Equal Employment for All Act

Eliminate predatory lending; ensure equal access to financial services to all Americans. Eliminate disparities in credit reporting. Ease home mortgage foreclosure crisis. Eliminate pay day lending. Support capping all interest rates at 36% APR. Support a strong, responsive Consumer Financial Protection Bureau. Reform the mortgage servicers industry so that more loans are modified and fewer homes are foreclosed upon. Try to stop abusive credit card practices. Support allowing bankruptcy judges to require loan modifications on primary residence mortgages. Oppose exploitative payday lending. Support efforts to eliminate predatory lending. Support reauthorization, modernization and expansion of the Community Reinvestment Act (CRA). oppose the elimination of funding for HUD's housing counseling programs. Support financial literacy programs. Support a ban on the use of credit reports by potential employers. Support Dr. Elizabeth Warren to be the first Director of the Consumer Financial Protection Bureau. Oppose H.R. 839, terminating the HAMP program; oppose H.R. 861, terminating HUD's Neighborhood Stabilization Program; oppose H.R. 836, terminating HUD's emergency Mortgage Relief program; oppose H.R. 830, terminating the FHA Refinance Program. Support a strong Consumer Financial Protection Bureau, which begins its activities as soon as possible. Oppose H.R. 1121; oppose H.R. 1315; oppose legislation intended to delay regulatory authority of the CFPB until a Director is confirmed; oppose legislation removing the prudential regulators ability to allow the CFPB to participate in examinations of large financial institutions before the designated transfer date. Support pro-consumer changes to the GSEs (Fannie Mae and Freddie Mac). Oppose a piecemeal approach to reforming Fannie Mae and Freddie Mac ("the GSEs"). Support a comprehensive approach to housing finance reform that will further the federal governments housing policy objectives of promoting residential integration, eliminating housing discrimination, and providing safe, decent, and affordable housing for all. Oppose delaying regulations limiting fees charged to merchants by issuers of debit cards. Support a flexible and inclusive definition of "larger participants" by the Consumer Financial Protection Bureau (participated in a CFPB roundtable discussion on the issue). Express grave concerns about the promulgation of the Dodd-Frank Credit Score disclosure requirement. Oppose potential employers reviewing a potential employee's credit report or credit score prior to making a hiring decision. Support HR 321 Support strong action by the Consumer Financial Protection Bureau in protecting consumers from abusive checking account policies. Support allowing consumers to transfer banking accounts to a different institution with little or no monetary repercussion. Support HR 3077. Support Richard Cordray as Director of the Consumer Financial Protection Bureau (CFPB). Support significantly strengthening the Office of the Comptroller of the Currencys (OCC) proposed guidance on overdraft programs and deposit advance products in such a way that all customers receive the lowest cost credit for which they qualify, and national banks are encouraged to offer responsible overdraft and credit products. Support a study of the regulation of interchange fees but oppose a delay in the implementation of the Durbin amendment to Dodd-Frank. Support H.R. 2086 / S. 2149, the Medical Debt Responsibility Act, which requires that credit agencies to remove FULLY paid or settled medical debt from credit reports within 45 days. Support a strong settlement to the legal actions under discussion, and one that leaves open the path for further needed actions to hold lawbreakers accountable in the matter of the states Attorneys General and the Federal Government versus various financial institutions for breaking the law in terms of mortgages. Supported the Consumer Financial Protection Bureau (CFPB) take strong steps to stop checking account abuses. Specifically, we asked that the CFPB: Require information on important checking account terms to be disclosed in a one-page Consumer Choice Box; Require complete disclosure of all overdraft options; Require reasonable and proportional overdraft fees; Require the posting of deposits and withdrawals in a neutral manner; and Examine the prevalence of dispute resolution clauses in checking account agreements and the existence of fee shifting provisions that require the account holder to pay at least a portion of the banks costs when a dispute occurs. Support a two-month extension of the comment period to allow the Federal Reserve Board to hold a formal hearing and public meetings in at least five cities about Capital Ones proposed acquisition of Bank Nevada, N.A. Oppose H.R. 3035, the Mobile Informational Call Act of 2011, Support the CFPB adopting a definition of the Qualified Mortgage that covers the vast majority of the marketplace, so that most mortgage borrowers have the benefit of the strongest protections. Oppose any narrowing of the definitions of consumer or credit that are subject to Equal Credit Opportunity Act to match the narrower definitions in the Truth in Lending Act (TILA) or other statutes. (We also oppose narrowing the coverage of TILA or the Real Estate Settlement Procedures Act.) Oppose expanding exemptions to the data reporting requirements of Regulation C under the Home Mortgage Disclosure Act (HMDA). The CFPB should not weaken the rule that credit card issuers must consider the consumers independent ability to pay and cannot, as a general matter, rely solely on household income. Support Helping Homeowners Refinance Act of 2012, S. 2072 Support federal regulators of our nations banks to take immediate action to stop banks from making unaffordable, high-cost payday loans. Support inclusion of consumer narratives be in the CFPB's credit card complaint database. Support the settlement between the States' Attorneys Generals and several financial institutions regarding robosigning and foreclosures. Support the settlement between U.S. Department of Justice and Bank of America over Countrywide's discriminatory mortgage lending practices. Support Leon Russell to serve on the CFPB Advisory Panel. Supported access to individual complaints, as well as data collection as to who is making the complaints, to the CFPB (while putting key protections in place to ensure individual privacy). Oppose the Red Tape Reduction and Small Business Job Creation Act" (H.R. 4078), which includes the Regulatory Freeze For Jobs Act, the Midnight Rule Relief Act of 2012" (H.R. 4607), and the Sunshine for Regulatory Decrees and Settlements Act of 2012 (H.R. 3862), among other harmful bills. Support the prohibition of overdraft fees and credit on Prepaid Cards (letter to the CFPB). Oppose H.R. 6139, the National Consumer Credit Corporation Charter and Consumer Access Innovation Act of 2012, and any similar legislation that may be introduced. Oppose all proposals to weaken the structure, powers or funding of the Consumer Financial Protection Bureau, including the proposal which would eliminate the Consumer Financial Protection Bureaus (CFPB) independence by making it the only bank regulatory agency placed under the appropriations process. Oppose Urban Trust Bank from partnering with the payday lender CheckSmart (formerly known as Buckeye Check Cashing) and Insight Card Services, LLC to help CheckSmart evade state usury and payday loan laws by making payday loans on prepaid cards. Support that the Consumer Financial Protection Bureau develop and promulgate adequate mortgage servicing rules that will cover the range of market participants, make the needed changes, last beyond individual time-limited programs, and be effectively enforceable (urge the CFPB to amend current proposed rules). Support that the Consumer Financial Protection Bureau develop and promulgate adequate mortgage servicing rules that will cover the range of market participants, make the needed changes, last beyond individual time-limited programs, and be effectively enforceable (urge the CFPB to amend current proposed rules). Support the Stopping Abuse and Fraud in Electronic (SAFE) Lending Act of 2012 (S. 3426 / H.R. 6483), Support S 3452, Protecting Consumers from Unreasonable Credit Rates Act of 2012" Oppose the inclusion of any down payment requirement as part of the Qualified Residential Mortgage (QRM) standard. Oppose H.R. 1909, Federal Financial Services and Credit Companies Charter Act of 2011. Advocated that the United States use its stature and position to have the NAACP policy agenda included in any and all relevant United Nations' treaties and other compliance documents. Support S. 3085, The Responsible Homeowner Refinancing Act of 2012, oppose an amendment to that bill that would provide a so-called safe harbor under the Qualified Mortgage (QM) rules currently being drafted by the Consumer Financial Protection Bureau.

Client expense: $62,500 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Bureau of Indian Affairs (BIA), Centers For Disease Control & Prevention (CDC), Commerce, Dept of (DOC), Defense, Dept of (DOD), Education, Dept of, Energy, Dept of, Environmental Protection Agency (EPA), Equal Employment Opportunity Commission (EEOC), Federal Aviation Administration (FAA), Federal Bureau of Investigation (FBI), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Interior, Dept of (DOI), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Park Service (NPS), Office of Personnel Management (OPM), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Social Security Administration (SSA), State, Dept of (DOS), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Commission on Civil Rights, U.S. Trade Representative (USTR), Veterans Affairs, Dept of (VA), Voice of America, White House Office

H.R. 321 - Equal Employment For All Act H.R. 769 - Fair Access to Credit Scores Act of 2011

Client expense: Not reported · Firm income: $60,000

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Natl Credit Union Administration (NCUA), Office of the Comptroller of the Currency (OCC), SENATE

H.R. 321 Equal Employment for All Act

Client expense: Not reported · Firm income: Not reported

Government targets: Education, Dept of, HOUSE OF REPRESENTATIVES, Justice, Dept of (DOJ), Labor, Dept of (DOL), SENATE, White House Office

H.R. 1873/S. 987 - Arbitration Fairness Act, supported H.R. 1519/S. 3220 - Paycheck Fairness Act S2189 "Protecting Older Workers Against Discrimination Act" H.R. 321, Equal Employment for All Act, supported H.R. 572, S. 2011 "Clean Ports Act of 2011" H.R. 1540, National Defense Authorization Act for FY 2012 S. 2371, Rewarding Achievement and Incentivizing Successful Employees Act

Client expense: $174,866 · Firm income: Not reported

Government targets: Education, Dept of, Executive Office of the President (EOP), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Justice, Dept of (DOJ), SENATE, Transportation, Dept of (DOT), Treasury, Dept of, Vice President of the U.S., White House Office

Amending the Fair Credit Reporting Act to restrict the use of credit checks in employment decisions, H.R. 321, all provisions

Client expense: $20,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Eliminate predatory lending; ensure equal access to financial services to all Americans. Eliminate disparities in credit reporting. Ease home mortgage foreclosure crisis. Eliminate pay day lending. Support capping all interest rates at 36% APR. Support a strong, responsive Consumer Financial Protection Bureau. Reform the mortgage servicers industry so that more loans are modified and fewer homes are foreclosed upon. Try to stop abusive credit card practices. Support allowing bankruptcy judges to require loan modifications on primary residence mortgages. Oppose exploitative payday lending. Support efforts to eliminate predatory lending. Support reauthorization, modernization and expansion of the Community Reinvestment Act (CRA). oppose the elimination of funding for HUD's housing counseling programs. Support financial literacy programs. Support a ban on the use of credit reports by potential employers. Support Dr. Elizabeth Warren to be the first Director of the Consumer Financial Protection Bureau. Oppose H.R. 839, terminating the HAMP program; oppose H.R. 861, terminating HUD's Neighborhood Stabilization Program; oppose H.R. 836, terminating HUD's emergency Mortgage Relief program; oppose H.R. 830, terminating the FHA Refinance Program. Support a strong Consumer Financial Protection Bureau, which begins its activities as soon as possible. Oppose H.R. 1121; oppose H.R. 1315; oppose legislation intended to delay regulatory authority of the CFPB until a Director is confirmed; oppose legislation removing the prudential regulators ability to allow the CFPB to participate in examinations of large financial institutions before the designated transfer date. Support pro-consumer changes to the GSEs (Fannie Mae and Freddie Mac). Oppose a piecemeal approach to reforming Fannie Mae and Freddie Mac ("the GSEs"). Support a comprehensive approach to housing finance reform that will further the federal governments housing policy objectives of promoting residential integration, eliminating housing discrimination, and providing safe, decent, and affordable housing for all. Oppose delaying regulations limiting fees charged to merchants by issuers of debit cards. Support a flexible and inclusive definition of "larger participants" by the Consumer Financial Protection Bureau (participated in a CFPB roundtable discussion on the issue). Express grave concerns about the promulgation of the Dodd-Frank Credit Score disclosure requirement. Oppose potential employers reviewing a potential employee's credit report or credit score prior to making a hiring decision. Support HR 321 Support strong action by the Consumer Financial Protection Bureau in protecting consumers from abusive checking account policies. Support allowing consumers to transfer banking accounts to a different institution with little or no monetary repercussion. Support HR 3077. Support Richard Cordray as Director of the Consumer Financial Protection Bureau (CFPB). Support significantly strengthening the Office of the Comptroller of the Currencys (OCC) proposed guidance on overdraft programs and deposit advance products in such a way that all customers receive the lowest cost credit for which they qualify, and national banks are encouraged to offer responsible overdraft and credit products. Support a study of the regulation of interchange fees but oppose a delay in the implementation of the Durbin amendment to Dodd-Frank. Support H.R. 2086 / S. 2149, the Medical Debt Responsibility Act, which requirees that credit agencies to remove FULLY paid or settled medical debt from credit reports within 45 days. Support a strong settlement to the legal actions under discussion, and one that leaves open the path for further needed actions to hold lawbreakers accountable in the matter of the states Attorneys General and the Federal Government versus various financial institutions for breaking the law in terms of mortgages. Supported the Consumer Financial Protection Bureau (CFPB) take strong steps to stop checking account abuses. Specifically, we asked that the CFPB: Require information on important checking account terms to be disclosed in a one-page Consumer Choice Box; Require complete disclosure of all overdraft options; Require reasonable and proportional overdraft fees; Require the posting of deposits and withdrawals in a neutral manner; and Examine the prevalence of dispute resolution clauses in checking account agreements and the existence of fee shifting provisions that require the account holder to pay at least a portion of the banks costs when a dispute occurs. Support a two-month extension of the comment period to allow the Federal Reserve Board to hold a formal hearing and public meetings in at least five cities about Capital Ones proposed acquisition of Bank Nevada, N.A. Oppose H.R. 3035, the Mobile Informational Call Act of 2011, Support the CFPB adopting a definition of the Qualified Mortgage that covers the vast majority of the marketplace, so that most mortgage borrowers have the benefit of the strongest protections. Oppose any narrowing of the definitions of consumer or credit that are subject to Equal Credit Opportunity Act to match the narrower definitions in the Truth in Lending Act (TILA) or other statutes. (We also oppose narrowing the coverage of TILA or the Real Estate Settlement Procedures Act.) Oppose expanding exemptions to the data reporting requirements of Regulation C under the Home Mortgage Disclosure Act (HMDA). The CFPB should not weaken the rule that credit card issuers must consider the consumers independent ability to pay and cannot, as a general matter, rely solely on household income. Support Helping Homeowners Refinance Act of 2012, S. 2072 Support federal regulators of our nations banks to take immediate action to stop banks from making unaffordable, high-cost payday loans. Support inclusion of consumer narratives be in the CFPB's credit card complaint database. Support the settlement betwqeen the States' Attorneys Generals and several financial institutions regarding robosigning and foreclosures. Support the settlement between U.S. Department of Justice and Bank of America over Countrywide's discriminatory mortgage lending practices. Support Leon Russell to serve on the CFPB Advisory Panel. Supported access to idividual complaints, as well as data collection as to who is making the complaints, to the CFPB (while puting key protections in place to ensure individual privacy). Oppose the Red Tape Reduction and Small Business Job Creation Act" (H.R. 4078), which includes the Regulatory Freeze For Jobs Act, the Midnight Rule Relief Act of 2012" (H.R. 4607), and the Sunshine for Regulatory Decrees and Settlements Act of 2012 (H.R. 3862), among other harmful bills. Support the prohibition of overdraft fees and credit on Prepaid Cards (letter to the CFPB). Oppose H.R. 6139, the National Consumer Credit Corporation Charter and Consumer Access Innovation Act of 2012, and any similar legislation that may be introduced. Oppose all proposals to weaken the structure, powers or funding of the Consumer Financial Protection Bureau, including the proposal which would eliminate the Consumer Financial Protection Bureaus (CFPB) independence by making it the only bank regulatory agency placed under the appropriations process. Oppose Urban Trust Bank from partnering with the payday lender CheckSmart (formerly known as Buckeye Check Cashing) and Insight Card Services, LLC to help CheckSmart evade state usury and payday loan laws by making payday loans on prepaid cards. Support that the Consumer Financial Protection Bureau develop and promulgate adequate mortgage servicing rules that will cover the range of market participants, make the needed changes, last beyond individual time-limited programs, and be effectively enforceable (urge the CFPB to amend current proposed rules). Support that the Consumer Financial Protection Bureau develop and promulgate adequate mortgage servicing rules that will cover the range of market participants, make the needed changes, last beyond individual time-limited programs, and be effectively enforceable (urge the CFPB to amend current proposed rules). Support the Stopping Abuse and Fraud in Electronic (SAFE) Lending Act of 2012 (S. 3426 / H.R. 6483), which requires all on-line small-dollar lenders (such as payday lenders) to comply with state law if it provides better consumer protections than federal law; prevents national banks and federal savings and loans from making payday loans in violation of the state law where the consumer resides; provides new federal enforcement measures to protect consumers from online payday lenders that seek to evade state consumer protection laws, such as by locating their businesses off-shore, or affiliating with a Native American Tribe and claiming the right to assert the tribes sovereign immunity; empowers Tribes to enlist the help of the CFPB where needed to protect their members from abusive payday lending on the reservation, and respecting tribal laws that provide stronger consumer protections than are available under state law; closes the single payment loophole in the Electronic Fund Transfer Act and extending consumer control over electronic payment of credit to all loans; safeguards consumer data by banning lead generators who traffic in payday loan application information via marketing websites, and prohibiting them from anonymously collecting sensitive consumer data; and stops lenders from using borrowers bank account details to create unsigned checks used to withdraw funds, even when consumers have exercised their federal rights against compulsory electronic payment of credit under the Electronic Fund Transfer Act. Support S. 3452 to impose a federal usury cap on credit while permitting states to set lower rates. Oppose the inclusion of any down payment requirement as part of the Qualified Residential Mortgage (QRM) standard. Oppose H.R. 1909, Federal Financial Services and Credit Companies Charter Act of 2011. Advocated that the United States use its stature and position to have the NAACP policy agenda included in any and all relevant United Nations' treaties and other compliance documents.

Ensure fair and non-discriminatory labor practices in the federal workplace as well as in private industry. Protect job training programs. Support union rights to organize and the rights of employees to collective bargaining. Oppose HR 122. Support the Employment Non-Discrimination Act (H.R. 1397/ S. 811). Support pay equity / The Paycheck Fairness Act (Support S. 797 / H.R. 1519). Support a "living wage" across the U.S. Oppose the use of credit reports in hiring, promotion and firing decisions. Support legislation allowing workers to form a union, the Employee Free Choice Act. Support job creation programs through public works and infrastructure development. Support for comprehensive jobs legislation to address not only the unemployment crisis facing our nation, but also the challenges being faced by states and local municipalities in meeting the basic education, public safety, health care, child care, and public transportation needs of our communities. Ensure that funding under the American Reinvestment and Recovery Act is spent in full compliance with Title VI of the Civil Rights Act. Support legislation to outlaw the use of credit scores by potential employers when making hiring decisions. Support legislation making FBI background checks done for employment purposes more accurate; Support allowing the employees of Delta Airlines to unionize. Support allowing the employees of the Transportation Safety Agency (TSA) to unionize. Support a National Mediation Board ruling making it easier for airline and railroad employees to form a union. Ensure the continuation of Davis-Bacon prevailing wage requirements. Support Project Labor Agreements.. Support S. 922, the Urban Jobs Act. Support expanding and employing best practices for language access to federally funded programs. Support a Humphrey / Hawkins approach to full employment. Support H.R. 870. Support eliminating employment discrimination. Support the Employment Non Discrimination Act, H.R. 1397 / S. 811 Support Department of Justice Civil Rights' Division activities in Dayton, Ohio, as it relates to admittance to training facilities for police officers and firefighters. Support merger between AT & T and T-Mobile. Support the Department of Labor revisions to the H-2B Visa program. Support the American Jobs Act HR 12 / S 1549 / S. 1660. Support the smaller versions, S. 1723, the Teachers and First Responders Back to Work Act (S. 1723) and the Rebuild America Act (S. 1769) and the Fix America's Schools Today Act (S. 1597 / H.R. 2948). Support provisions banning discrimination against people who have been unemployed for 6 months or longer. Support the National Labor Relations Board. Oppose HR 2587. Oppose potential employers using credit records or credit scores when evaluating potential employees for hiring purposes. Support HR 321. Support tax credits for companies which hire people who have been unemployed for at least 6 months. Support a prohibition on potential employers from asking about an applicants criminal background in the initial employment application. Support Davis-Bacon. Commend the Department of Labor for reviewing the companionship exemption which currently denies direct and home care workers basic federal wage and hour protections. This largely female workforce deserves the protections guaranteed to all workers by the Fair Labor Standards Act. Support the Healthy Families Act (H.R. 1876/S. 984) which would allow workers to earn up to seven paid sick days annually to use to recover from short-term illness, to care for a sick family member, to seek routine medical care or to obtain assistance related to domestic violence, sexual assault or stalking. Support Department of Labor advertising all available federal jobs at jobs center. Support inclusion of the National Housing Trust Fund in the American Jobs Act. Support the inclusion of Construction Careers Demonstration Program for surface construction programs. Support the Gillibrand Amendment to S. 1813. Support a new optional form that employees can use to request Family and Medical Leave Act leave which does not include irrelevant and invasive medical questions. Support requiring that employers be required to properly explain their reasons for denying a request for leave; and support updates to the military leave forms to reflect recent changes in the law that expanded service members rights to leave. Oppose H.R. 2587, the Protecting Jobs from Government Interference Act. Oppose H.R. 3094, the Workforce Democracy and Fairness Act. Support Project Labor Agreements. Support the rights of Transportation Safety Administration (TSA) employees to form a union and engage in collective bargaining. Support an increase in the federal investment in our hometowns transportation, affordable housing, community development, and job creation efforts by increasing the 302(b) allocation to the Subcommittee on Transportation, Housing and Urban Development, and Related Agencies (THUD) to the highest possible level in fiscal year (FY) 2013. Support updates to the Agricultural Hazardous Occupations Orders as Proposed by the U.S. Department of Labor and urge their immediate implementation. Support a long term transportation bill which will: 1.Preserve and expand existing programs that fund essential transportation options bicycling, walking, and public transportation. 2.Expand access to quality transportation jobs for the chronically-unemployed, low-income people, individuals with disabilities, women, and communities of color. 3.Strengthen enforcement of existing civil rights provisions. 4.Improve transportation outcomes through strategic planning with measures that promote economic and social equity. 5.Reform transportation funding to lower household expenses and foster community development. Support the inclusion of the Construction Careers Demonstration Program for surface transportation construction projects in the surface transportation reauthorization. Support the Department of Labor providing a new model form that combines a fact sheet about the FMLA with an optional form that could be completed by employees to request FMLA leave. Irrelevant and invasive questions should be removed from the medical certification forms. The medical certification form and designation notice should be combined into a single form that requires employers to describe the perceived deficiency when a medical certification is deemed to be insufficient or incomplete. The medical certification forms also should include an introduction that informs health care providers about the implications of their failure to properly complete the certification form. The medical certification language should be changed to reflect the fact that medical diagnoses cannot be made with complete certitude and should use proper medical terminology. The form used by service members and their families should be updated to reflect the 2010 National Defense Authorization Acts (NDAA) expansion of their FMLA rights. Support summer jobs programs for low-income and socailly disadvataged youth through the U.S. Department of Education and th e U.S. Department of Labor. Oppose the Red Tape Reduction and Small Business Job Creation Act" (H.R. 4078), which includes the Regulatory Freeze For Jobs Act, the Midnight Rule Relief Act of 2012" (H.R. 4607), and the Sunshine for Regulatory Decrees and Settlements Act of 2012 (H.R. 3862), among other harmful bills. Support S. 3317 / H.R. 5978, the Equal Employment Opportunity Restoration Act (EEORA) to remove the obstacles the Supreme Court placed in the way of American workers seeking to have their day in court to challenge discrimination in the workplace. Oppose employers using credit reports before making hiring or promotion decisions. Support The Equal Employment for All Act (H.R. 321). Support the guidence recently issued by the EEOC. Support the State Paid Leave Fund. Support maintaining the critical transportation equity provisions from MAP-21; Support a comprehensive analysis of civil rights compliance by including an Equal Opportunity Assessment; Ensure recruitment and training in the construction industry by including a Construction Careers Demonstration Project; and Preserve community involvement in local transportation planning and decision making. Support amendment to the Commerce, Justice, Science (CJS) appropriations bill by Congressman Hank Johnson (GA) to increase funding for the Equal Employment Opportunity Commission. Support ensuring that pregnant workers are not forced out of their jobs unnecessarily or denied reasonable job modifications that would allow them to continue working and supporting their families. Support the Department of Labors Notice of Proposed Rulemaking relating to legislative expansions of the Family and Medical Leave Act (FMLA). The proposed rules would implement changes to the military leave provisions of the FMLA, as well as the Airline Flight Crew Technical Corrections Act. The rule appropriately extends the amount of time a family member may take for qualifying exigency leave when the reason for leave is a service members rest and recuperation. Veterans must be able to establish that they suffer from a qualifying serious injury or illness without having to rely on the Veterans Affairs Schedule for Rating Disabilities (VASRD) or on their ability to fulfill occupational requirements. The documentation that employers may require of family members of active duty service members who are seeking qualified exigency leave should explicitly allow family members to supply a letter from the service members command. Support the Departments decision to allow any FMLA health care provider to certify a serious injury or illness for military caregiver leave. Support the Departmentof Labor's interpretation of the five-year coverage limit under FMLA for veterans. Encouraged the Department of Labor to provide a straightforward explanation of what is meant by the phrase qualifying exigency. For qualifying exigency leave related to childcare, we urge the Department to explicitly include additional categories of childcare and school activities that would qualify a military family member to take leave. The Department should ensure that gay and lesbian service members have equal access to family care by amending the definition of next of kin. The Department should explicitly note that all FMLA regulations are interpreted to include the children of parents standing in loco parentis and should ensure consistent and uniform administration of these new FMLA provisions. Veterans whose family members would have qualified for caregiver leave but for the fact that regulations had not yet been promulgated should be given a special dispensation so that they can take leave to care for veterans who still need such assistance. The Department should insert language identifying the discharge date provided on form DD-214 as the date when the veteran officially transitioned from being an active duty service member. Support S.3220, the Paycheck Fairness Act. Support collective bargaining. Oppose Rand (KY) amendment to S. 1789. Support project labor agreements. Support Grimm (NY) amendment to HR 5854 Oppose policy "riders" on the Commerce Justice Science Appropriations bill for FY 13 which would prohibit the US DoJ from supporting legal efforts toimplement the EEOC criminal background check guidence. Support the Equal Employment Opportunity Comission's (EEOC) draft of the Strategic Enforcement Plan (SEP) to guide its enforcement efforts over the period 20122016. Advocated that the United States use its stature and position to have the NAACP policy agenda included in any and all relevant United Nations' treaties and other compliance documents. Support equal pay for elder care workers. Raise concerns around the current manner in which H2B visas are distributed. Support efforts to end work place bullying

Eliminate predatory lending; ensure equal access to financial services to all Americans. Eliminate disparities in credit reporting. Ease home mortgage foreclosure crisis. Eliminate pay day lending. Support capping all interest rates at 36% APR. Support a strong, responsive Consumer Financial Protection Bureau. Oppose "vulture funds". Support debt relief for poor nations, a.k.a. the Jubilee Act. Reform the mortgage servicers industry so that more loans are modified and fewer homes are foreclosed upon. Support reauthorization, modernization and expansion of the Community Reinvestment Act (CRA),. Support efforts to eliminate predatory loans. Oppose exploitative payday loans; Support 36% interest rate cap; . Oppose federal preemption of state consumer financial protection laws. Reform the mortgage servicers industry so that more loans are modified and fewer homes are foreclosed upon. Try to stop abusive credit card practices. Support allowing bankruptcy judges to require loan modifications on primary residence mortgages. Oppose exploitative payday lending. Support efforts to eliminate predatory lending. Support reauthorization, modernization and expansion of the Community Reinvestment Act (CRA). oppose the elimination of funding for HUD's housing counseling programs. Support financial literacy programs. Support a ban on the use of credit reports by potential employers. Support Dr. Elizabeth Warren to be the first Director of the Consumer Financial Protection Bureau. Oppose H.R. 839, terminating the HAMP program; oppose H.R. 861, terminating HUD's Neighborhood Stabilization Program; oppose H.R. 836, terminating HUD's emergency Mortgage Relief program; oppose H.R. 830, terminating the FHA Refinance Program. Support a strong Consumer Financial Protection Bureau, which begins its activities as soon as possible. Oppose H.R. 1121; oppose H.R. 1315; oppose legislation intended to delay regulatory authority of the CFPB until a Director is confirmed; oppose legislation removing the prudential regulators ability to allow the CFPB to participate in examinations of large financial institutions before the designated transfer date. Support pro-consumer changes to the GSEs (Fannie Mae and Freddie Mac). Oppose a piecemeal approach to reforming Fannie Mae and Freddie Mac ("the GSEs"). Support a comprehensive approach to housing finance reform that will further the federal governments housing policy objectives of promoting residential integration, eliminating housing discrimination, and providing safe, decent, and affordable housing for all. Express grave concerns about proposed rules for risk-based pricing rule. Strengthening the proposed rule for holding servicers accountable for illegal deeds. Oppose delaying regulations limiting fees charged to merchants by issuers of debit cards. Support a flexible and inclusive definition of "larger participants" by the Consumer Financial Protection Bureau (participated in a CFPB roundtable discussion on the issue). Express grave concerns about the promulgation of the Dodd-Frank Credit Score disclosure requirement. Support keeping responsible and affordable mortgage credit flowing to all neighborhoods and to all qualified borrowers, stopping wrongful foreclosures, and support the development of affordable rental homes close to good schools and quality jobs Support a more thorough investigation into the Capital One /ING merger. Support extending the public comment period on the merger as well as five public hearings around the country. Oppose potential employers reviewing a potential employees credit report / credit score prior to making any hiring decision. Support HR 321. Support sensible, non-exploitative mortgage lending. Adopt a qualified mortgage standard that will not shut out prospective minority homeowners. Support Richard Cordray to be Director of the Consumer Financial Protection Bureau. Contact the Federal Housing Finance Agency (and others) in support of risk retention as defined in the Dodd-Frank bill but opposed to a high downpayment to qualify for a Qualified Residential Mortgage (QRM). Contact the FHFA in support of a more robust federal response to the foreclosure crisis, including banning the two track system whereby homeowners facing foreclosure who are trying to modify their loan also find their foreclosure proceeding moving ahead. Outlaw Robosigning and remedy homeowners adversely affected by the practice, in which many servicers did not even read the foreclosure documents they were signing. Principal reductions should be provided in both the federal governments home loan modification programs and each financial institutions private loan modification programs. They should include heightened loss-mitigation standards. Finally, they should also include a forbearance program to help unemployed homeowners. Support strong action by the Consumer Financial Protection Bureau in protecting consumers from abusive checking account policies. Support allowing consumers to transfer banking accounts to a different institution with little or no monetary repercussion. Support HR 3077. Support Richard Cordray as Director of the Consumer Financial Protection Bureau (CFPB). Support significantly strengthening the Office of the Comptroller of the Currencys (OCC) proposed guidance on overdraft programs and deposit advance products in such a way that all customers receive the lowest cost credit for which they qualify, and national banks are encouraged to offer responsible overdraft and credit products. Support the Reed (RI) amendment to S. 1867 which closed a loophole allowing payday lenders to charge members of the military more than 36% for short-term loans. Supported the Consumer Financial Protection Bureau (CFPB) take strong steps to stop checking account abuses. Specifically, we asked that the CFPB: Require information on important checking account terms to be disclosed in a one-page Consumer Choice Box; Require complete disclosure of all overdraft options; Require reasonable and proportional overdraft fees; Require the posting of deposits and withdrawals in a neutral manner; and Examine the prevalence of dispute resolution clauses in checking account agreements and the existence of fee shifting provisions that require the accountholder to pay at least a portion of the banks costs when a dispute occurs. Support a two-month extension of the comment period to allow the Federal Reserve Board to hold a formal hearing and public meetings in at least five cities about Capital Ones proposed acquisition of Bank Nevada, N.A. Oppose H.R. 3035, the Mobile Informational Call Act of 2011. Support a study of the regulation of interchange fees but oppose a delay in the implementation of the Durbin amendment to Dodd-Frank. Urge the Consumver Financial Protection Bureau (CFPB) to define "larger participants" among dect collecters and consumer reporting agencies broadly, yet in a manner that does not allow companies to evade review. Also encouraged the CFPB to examine all of an entities' consumer financial products and services. Support H.R. 2086 / S. 2149, the Medical Debt Responsibility Act, which requirees that credit agencies to remove FULLY paid or settled medical debt from credit reports within 45 days. Support the CFPB adopting a definition of the Qualified Mortgage that covers the vast majority of the marketplace, so that most mortgage borrowers have the benefit of the strongest protections. Oppose any narrowing of the definitions of consumer or credit that are subject to Equal Credit Opportunity Act to match the narrower definitions in the Truth in Lending Act (TILA) or other statutes. (We also oppose narrowing the coverage of TILA or the Real Estate Settlement Procedures Act.). Oppose expanding exemptions to the data reporting requirements of Regulation C under the Home Mortgage Disclosure Act (HMDA). The CFPB should not weaken the rule that credit card issuers must consider the consumers independent ability to pay and cannot, as a general matter, rely solely on household income. Support Helping Homeowners Refinance Act of 2012, S. 2072 Support federal regulators of our nations banks to take immediate action to stop banks from making unaffordable, high-cost payday loans. Support inclusion of consumer narratives be in the CFPB's credit card complaint database. Support the settlement betwqeen the States' Attorneys Generals and several financial institutions regarding robosigning and foreclosures. Support the settlement between U.S. Department of Justice and Bank of America over Countrywide's discriminatory mortgage lending practices. Support Leon Russell to serve on the CFPB Advisory Panel. Oppose the Red Tape Reduction and Small Business Job Creation Act" (H.R. 4078), which includes the Regulatory Freeze For Jobs Act, the Midnight Rule Relief Act of 2012" (H.R. 4607), and the Sunshine for Regulatory Decrees and Settlements Act of 2012 (H.R. 3862), among other harmful bills. Support the prohibition of overdraft fees and credit on Prepaid Cards (letter to the CFPB). Oppose H.R. 6139, the National Consumer Credit Corporation Charter and Consumer Access Innovation Act of 2012, and any similar legislation that may be introduced. Oppose all proposals to weaken the structure, powers or funding of the Consumer Financial Protection Bureau, including the proposal which would eliminate the Consumer Financial Protection Bureaus (CFPB) independence by making it the only bank regulatory agency placed under the appropriations process. Oppose Urban Trust Bank from partnering with the payday lender CheckSmart (formerly known as Buckeye Check Cashing) and Insight Card Services, LLC to help CheckSmart evade state usury and payday loan laws by making payday loans on prepaid cards. As the CFPB defines the entities that will be subject to examination in this and future rulemakings, it should define larger broadly, prevent evasions by including counting the revenues of affiliated companies and also firms that act as agents or are under contract to another firm, and examine all of an entitys consumer financial products and services even if it is a larger participant in just one market. Strongly support H.R. 2086 and S. 2149, the Medical Debt Responsibility Act Support extending mortgage protections under the Servicemember Civil Reflieef Act. Support the Cummings (MD) amendment to HR 4310. Support that the Consumer Financial Protection Bureau develop and promulgate adequate mortgage servicing rules that will cover the range of market participants, make the needed changes, last beyond individual time-limited programs, and be effectively enforceable (urge the CFPB to amend current proposed rules). Support the Stopping Abuse and Fraud in Electronic (SAFE) Lending Act of 2012 (S. 3426 / H.R. 6483), which requires all on-line small-dollar lenders (such as payday lenders) to comply with state law if it provides better consumer protections than federal law; prevents national banks and federal savings and loans from making payday loans in violation of the state law where the consumer resides; provides new federal enforcement measures to protect consumers from online payday lenders that seek to evade state consumer protection laws, such as by locating their businesses off-shore, or affiliating with a Native American Tribe and claiming the right to assert the tribes sovereign immunity; empowers Tribes to enlist the help of the CFPB where needed to protect their members from abusive payday lending on the reservation, and respecting tribal laws that provide stronger consumer protections than are available under state law; closes the single payment loophole in the Electronic Fund Transfer Act and extending consumer control over electronic payment of credit to all loans; safeguards consumer data by banning lead generators who traffic in payday loan application information via marketing websites, and prohibiting them from anonymously collecting sensitive consumer data; and stops lenders from using borrowers bank account details to create unsigned checks used to withdraw funds, even when consumers have exercised their federal rights against compulsory electronic payment of credit under the Electronic Fund Transfer Act. Support S. 3452 to impose a federal usury cap on credit while permitting states to set lower rates. Oppose the inclusion of any down payment requirement as part of the Qualified Residential Mortgage (QRM) standard. Oppose H.R. 1909, Federal Financial Services and Credit Companies Charter Act of 2011. Support a prohibition on overdraft fees and any form of credit on pre-paid credit cards. Advocated that the United States use its stature and position to have the NAACP policy agenda included in any and all relevant United Nations' treaties and other compliance documents. Support the inclusion of a public database as an integral part of the CFPB complaint process

H.R. 321 - Equal Employment For All Act H.R. 769 - Fair Access to Credit Scores Act of 2011

Client expense: Not reported · Firm income: $60,000

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE

Ensure fair and non-discriminatory labor practices in the federal workplace as well as in private industry. Protect job training programs. Support union rights to organize and the rights of employees to collective bargaining. Oppose HR 122. Support the Employment Non-Discrimination Act (H.R. 1397/ S. 811). Support pay equity / The Paycheck Fairness Act (Support S. 797 / H.R. 1519). Support a "living wage" across the U.S. Oppose the use of credit reports in hiring, promotion and firing decisions. Support legislation allowing workers to form a union, the Employee Free Choice Act. Support job creation programs through public works and infrastructure development. Support for comprehensive jobs legislation to address not only the unemployment crisis facing our nation, but also the challenges being faced by states and local municipalities in meeting the basic education, public safety, health care, child care, and public transportation needs of our communities. Ensure that funding under the American Reinvestment and Recovery Act is spent in full compliance with Title VI of the Civil Rights Act. Support legislation to outlaw the use of credit scores by potential employers when making hiring decisions. Support legislation making FBI background checks done for employment purposes more accurate; Support allowing the employees of Delta Airlines to unionize. Support allowing the employees of the Transportation Safety Agency (TSA) to unionize. Support a National Mediation Board ruling making it easier for airline and railroad employees to form a union. Ensure the continuation of Davis-Bacon prevailing wage requirements. Support Project Labor Agreements.. Support S. 922, the Urban Jobs Act. Support expanding and employing best practices for language access to federally funded programs. Support a Humphrey / Hawkins approach to full employment. Support H.R. 870. Support eliminating employment discrimination. Support the Employment Non Discrimination Act, H.R. 1397 / S. 811 Support Department of Justice Civil Rights' Division activities in Dayton, Ohio, as it relates to admittance to training facilities for police officers and firefighters. Support merger between AT & T and T-Mobile. Support the Department of Labor revisions to the H-2B Visa program. Support the American Jobs Act HR 12 / S 1549 / S. 1660. Support the smaller versions, S. 1723, the Teachers and First Responders Back to Work Act (S. 1723) and the Rebuild America Act (S. 1769) and the Fix America's Schools Today Act (S. 1597 / H.R. 2948). Support provisions banning discrimination against people who have been unemployed for 6 months or longer. Support the National Labor Relations Board. Oppose HR 2587. Oppose potential employers using credit records or credit scores when evaluating potential employees for hiring purposes. Support HR 321. Support tax credits for companies which hire people who have been unemployed for at least 6 months. Support a prohibition on potential employers from asking about an applicants criminal background in the initial employment application. Support Davis-Bacon. Commend the Department of Labor for reviewing the companionship exemption which currently denies direct and home care workers basic federal wage and hour protections. This largely female workforce deserves the protections guaranteed to all workers by the Fair Labor Standards Act. Support the Healthy Families Act (H.R. 1876/S. 984) which would allow workers to earn up to seven paid sick days annually to use to recover from short-term illness, to care for a sick family member, to seek routine medical care or to obtain assistance related to domestic violence, sexual assault or stalking. Support Department of Labor advertising all available federal jobs at jobs center. Support inclusion of the National Housing Trust Fund in the American Jobs Act. Support the inclusion of Construction Careers Demonstration Program for surface construction programs. Support the Gillibrand Amendment to S. 1813. Support a new optional form that employees can use to request Family and Medical Leave Act leave which does not include irrelevant and invasive medical questions. Support requiring that employers be required to properly explain their reasons for denying a request for leave; and support updates to the military leave forms to reflect recent changes in the law that expanded service members rights to leave. Oppose H.R. 2587, the Protecting Jobs from Government Interference Act. Oppose H.R. 3094, the Workforce Democracy and Fairness Act. Support Project Labor Agreements. Support the rights of Transportation Safety Administration (TSA) employees to form a union and engage in collective bargaining. Support an increase in the federal investment in our hometowns transportation, affordable housing, community development, and job creation efforts by increasing the 302(b) allocation to the Subcommittee on Transportation, Housing and Urban Development, and Related Agencies (THUD) to the highest possible level in fiscal year (FY) 2013. Support updates to the Agricultural Hazardous Occupations Orders as Proposed by the U.S. Department of Labor and urge their immediate implementation. Support a long term transportation bill which will: 1.Preserve and expand existing programs that fund essential transportation options bicycling, walking, and public transportation. 2.Expand access to quality transportation jobs for the chronically-unemployed, low-income people, individuals with disabilities, women, and communities of color. 3.Strengthen enforcement of existing civil rights provisions. 4.Improve transportation outcomes through strategic planning with measures that promote economic and social equity. 5.Reform transportation funding to lower household expenses and foster community development. Support the inclusion of the Construction Careers Demonstration Program for surface transportation construction projects in the surface transportation reauthorization. Support the Department of Labor providing a new model form that combines a fact sheet about the FMLA with an optional form that could be completed by employees to request FMLA leave. Irrelevant and invasive questions should be removed from the medical certification forms. The medical certification form and designation notice should be combined into a single form that requires employers to describe the perceived deficiency when a medical certification is deemed to be insufficient or incomplete. The medical certification forms also should include an introduction that informs health care providers about the implications of their failure to properly complete the certification form. The medical certification language should be changed to reflect the fact that medical diagnoses cannot be made with complete certitude and should use proper medical terminology. The form used by service members and their families should be updated to reflect the 2010 National Defense Authorization Acts (NDAA) expansion of their FMLA rights. Support summer jobs programs for low-income and socailly disadvataged youth through the U.S. Department of Education and th e U.S. Department of Labor. Oppose the Red Tape Reduction and Small Business Job Creation Act" (H.R. 4078), which includes the Regulatory Freeze For Jobs Act, the Midnight Rule Relief Act of 2012" (H.R. 4607), and the Sunshine for Regulatory Decrees and Settlements Act of 2012 (H.R. 3862), among other harmful bills. Support S. 3317 / H.R. 5978, the Equal Employment Opportunity Restoration Act (EEORA) to remove the obstacles the Supreme Court placed in the way of American workers seeking to have their day in court to challenge discrimination in the workplace. Oppose employers using credit reports before making hiring or promotion decisions. Support The Equal Employment for All Act (H.R. 321). Support the guidence recently issued by the EEOC. Support the State Paid Leave Fund. Support maintaining the critical transportation equity provisions from MAP-21; Support a comprehensive analysis of civil rights compliance by including an Equal Opportunity Assessment; Ensure recruitment and training in the construction industry by including a Construction Careers Demonstration Project; and Preserve community involvement in local transportation planning and decision making. Support amendment to the Commerce, Justice, Science (CJS) appropriations bill by Congressman Hank Johnson (GA) to increase funding for the Equal Employment Opportunity Commission. Support ensuring that pregnant workers are not forced out of their jobs unnecessarily or denied reasonable job modifications that would allow them to continue working and supporting their families. Support the Department of Labors Notice of Proposed Rulemaking relating to legislative expansions of the Family and Medical Leave Act (FMLA). The proposed rules would implement changes to the military leave provisions of the FMLA, as well as the Airline Flight Crew Technical Corrections Act. The rule appropriately extends the amount of time a family member may take for qualifying exigency leave when the reason for leave is a service members rest and recuperation. Veterans must be able to establish that they suffer from a qualifying serious injury or illness without having to rely on the Veterans Affairs Schedule for Rating Disabilities (VASRD) or on their ability to fulfill occupational requirements. The documentation that employers may require of family members of active duty service members who are seeking qualified exigency leave should explicitly allow family members to supply a letter from the service members command. Support the Departments decision to allow any FMLA health care provider to certify a serious injury or illness for military caregiver leave. Support the Departmentof Labor's interpretation of the five-year coverage limit under FMLA for veterans. Encouraged the Department of Labor to provide a straightforward explanation of what is meant by the phrase qualifying exigency. For qualifying exigency leave related to childcare, we urge the Department to explicitly include additional categories of childcare and school activities that would qualify a military family member to take leave. The Department should ensure that gay and lesbian service members have equal access to family care by amending the definition of next of kin. The Department should explicitly note that all FMLA regulations are interpreted to include the children of parents standing in loco parentis and should ensure consistent and uniform administration of these new FMLA provisions. Veterans whose family members would have qualified for caregiver leave but for the fact that regulations had not yet been promulgated should be given a special dispensation so that they can take leave to care for veterans who still need such assistance. The Department should insert language identifying the discharge date provided on form DD-214 as the date when the veteran officially transitioned from being an active duty service member. Support S.3220, the Paycheck Fairness Act. Support collective bargaining. Oppose Rand (KY) amendment to S. 1789. Support project labor agreements. Support Grimm (NY) amendment to HR 5854 Oppose policy "riders" on the Commerce Justice Science Appropriations bill for FY 13 which would prohibit the US DoJ from supporting legal efforts toimplement the EEOC criminal background check guidence.

Eliminate predatory lending; ensure equal access to financial services to all Americans. Eliminate disparities in credit reporting. Ease home mortgage foreclosure crisis. Eliminate pay day lending. Support capping all interest rates at 36% APR. Support a strong, responsive Consumer Financial Protection Bureau. Oppose "vulture funds". Support debt relief for poor nations, a.k.a. the Jubilee Act. Reform the mortgage servicers industry so that more loans are modified and fewer homes are foreclosed upon. Support reauthorization, modernization and expansion of the Community Reinvestment Act (CRA),. Support efforts to eliminate predatory loans. Oppose exploitative payday loans; Support 36% interest rate cap; . Oppose federal preemption of state consumer financial protection laws. Reform the mortgage servicers industry so that more loans are modified and fewer homes are foreclosed upon. Try to stop abusive credit card practices. Support allowing bankruptcy judges to require loan modifications on primary residence mortgages. Oppose exploitative payday lending. Support efforts to eliminate predatory lending. Support reauthorization, modernization and expansion of the Community Reinvestment Act (CRA). oppose the elimination of funding for HUD's housing counseling programs. Support financial literacy programs. Support a ban on the use of credit reports by potential employers. Support Dr. Elizabeth Warren to be the first Director of the Consumer Financial Protection Bureau. Oppose H.R. 839, terminating the HAMP program; oppose H.R. 861, terminating HUD's Neighborhood Stabilization Program; oppose H.R. 836, terminating HUD's emergency Mortgage Relief program; oppose H.R. 830, terminating the FHA Refinance Program. Support a strong Consumer Financial Protection Bureau, which begins its activities as soon as possible. Oppose H.R. 1121; oppose H.R. 1315; oppose legislation intended to delay regulatory authority of the CFPB until a Director is confirmed; oppose legislation removing the prudential regulators ability to allow the CFPB to participate in examinations of large financial institutions before the designated transfer date. Support pro-consumer changes to the GSEs (Fannie Mae and Freddie Mac). Oppose a piecemeal approach to reforming Fannie Mae and Freddie Mac ("the GSEs"). Support a comprehensive approach to housing finance reform that will further the federal governments housing policy objectives of promoting residential integration, eliminating housing discrimination, and providing safe, decent, and affordable housing for all. Express grave concerns about proposed rules for risk-based pricing rule. Strengthening the proposed rule for holding servicers accountable for illegal deeds. Oppose delaying regulations limiting fees charged to merchants by issuers of debit cards. Support a flexible and inclusive definition of "larger participants" by the Consumer Financial Protection Bureau (participated in a CFPB roundtable discussion on the issue). Express grave concerns about the promulgation of the Dodd-Frank Credit Score disclosure requirement. Support keeping responsible and affordable mortgage credit flowing to all neighborhoods and to all qualified borrowers, stopping wrongful foreclosures, and support the development of affordable rental homes close to good schools and quality jobs Support a more thorough investigation into the Capital One /ING merger. Support extending the public comment period on the merger as well as five public hearings around the country. Oppose potential employers reviewing a potential employees credit report / credit score prior to making any hiring decision. Support HR 321. Support sensible, non-exploitative mortgage lending. Adopt a qualified mortgage standard that will not shut out prospective minority homeowners. Support Richard Cordray to be Director of the Consumer Financial Protection Bureau. Contact the Federal Housing Finance Agency (and others) in support of risk retention as defined in the Dodd-Frank bill but opposed to a high downpayment to qualify for a Qualified Residential Mortgage (QRM). Contact the FHFA in support of a more robust federal response to the foreclosure crisis, including banning the two track system whereby homeowners facing foreclosure who are trying to modify their loan also find their foreclosure proceeding moving ahead. Outlaw Robosigning and remedy homeowners adversely affected by the practice, in which many servicers did not even read the foreclosure documents they were signing. Principal reductions should be provided in both the federal governments home loan modification programs and each financial institutions private loan modification programs. They should include heightened loss-mitigation standards. Finally, they should also include a forbearance program to help unemployed homeowners. Support strong action by the Consumer Financial Protection Bureau in protecting consumers from abusive checking account policies. Support allowing consumers to transfer banking accounts to a different institution with little or no monetary repercussion. Support HR 3077. Support Richard Cordray as Director of the Consumer Financial Protection Bureau (CFPB). Support significantly strengthening the Office of the Comptroller of the Currencys (OCC) proposed guidance on overdraft programs and deposit advance products in such a way that all customers receive the lowest cost credit for which they qualify, and national banks are encouraged to offer responsible overdraft and credit products. Support the Reed (RI) amendment to S. 1867 which closed a loophole allowing payday lenders to charge members of the military more than 36% for short-term loans. Supported the Consumer Financial Protection Bureau (CFPB) take strong steps to stop checking account abuses. Specifically, we asked that the CFPB: Require information on important checking account terms to be disclosed in a one-page Consumer Choice Box; Require complete disclosure of all overdraft options; Require reasonable and proportional overdraft fees; Require the posting of deposits and withdrawals in a neutral manner; and Examine the prevalence of dispute resolution clauses in checking account agreements and the existence of fee shifting provisions that require the accountholder to pay at least a portion of the banks costs when a dispute occurs. Support a two-month extension of the comment period to allow the Federal Reserve Board to hold a formal hearing and public meetings in at least five cities about Capital Ones proposed acquisition of Bank Nevada, N.A. Oppose H.R. 3035, the Mobile Informational Call Act of 2011. Support a study of the regulation of interchange fees but oppose a delay in the implementation of the Durbin amendment to Dodd-Frank. Urge the Consumver Financial Protection Bureau (CFPB) to define "larger participants" among dect collecters and consumer reporting agencies broadly, yet in a manner that does not allow companies to evade review. Also encouraged the CFPB to examine all of an entities' consumer financial products and services. Support H.R. 2086 / S. 2149, the Medical Debt Responsibility Act, which requirees that credit agencies to remove FULLY paid or settled medical debt from credit reports within 45 days. Support the CFPB adopting a definition of the Qualified Mortgage that covers the vast majority of the marketplace, so that most mortgage borrowers have the benefit of the strongest protections. Oppose any narrowing of the definitions of consumer or credit that are subject to Equal Credit Opportunity Act to match the narrower definitions in the Truth in Lending Act (TILA) or other statutes. (We also oppose narrowing the coverage of TILA or the Real Estate Settlement Procedures Act.). Oppose expanding exemptions to the data reporting requirements of Regulation C under the Home Mortgage Disclosure Act (HMDA). The CFPB should not weaken the rule that credit card issuers must consider the consumers independent ability to pay and cannot, as a general matter, rely solely on household income. Support Helping Homeowners Refinance Act of 2012, S. 2072 Support federal regulators of our nations banks to take immediate action to stop banks from making unaffordable, high-cost payday loans. Support inclusion of consumer narratives be in the CFPB's credit card complaint database. Support the settlement betwqeen the States' Attorneys Generals and several financial institutions regarding robosigning and foreclosures. Support the settlement between U.S. Department of Justice and Bank of America over Countrywide's discriminatory mortgage lending practices. Support Leon Russell to serve on the CFPB Advisory Panel. Oppose the Red Tape Reduction and Small Business Job Creation Act" (H.R. 4078), which includes the Regulatory Freeze For Jobs Act, the Midnight Rule Relief Act of 2012" (H.R. 4607), and the Sunshine for Regulatory Decrees and Settlements Act of 2012 (H.R. 3862), among other harmful bills. Support the prohibition of overdraft fees and credit on Prepaid Cards (letter to the CFPB). Oppose H.R. 6139, the National Consumer Credit Corporation Charter and Consumer Access Innovation Act of 2012, and any similar legislation that may be introduced. Oppose all proposals to weaken the structure, powers or funding of the Consumer Financial Protection Bureau, including the proposal which would eliminate the Consumer Financial Protection Bureaus (CFPB) independence by making it the only bank regulatory agency placed under the appropriations process. Oppose Urban Trust Bank from partnering with the payday lender CheckSmart (formerly known as Buckeye Check Cashing) and Insight Card Services, LLC to help CheckSmart evade state usury and payday loan laws by making payday loans on prepaid cards. As the CFPB defines the entities that will be subject to examination in this and future rulemakings, it should define larger broadly, prevent evasions by including counting the revenues of affiliated companies and also firms that act as agents or are under contract to another firm, and examine all of an entitys consumer financial products and services even if it is a larger participant in just one market. Strongly support H.R. 2086 and S. 2149, the Medical Debt Responsibility Act Support extending mortgage protections under the Servicemember Civil Reflieef Act. Support the Cummings (MD) amendment to HR 4310

Eliminate predatory lending; ensure equal access to financial services to all Americans. Eliminate disparities in credit reporting. Ease home mortgage foreclosure crisis. Eliminate pay day lending. Support capping all interest rates at 36% APR. Support a strong, responsive Consumer Financial Protection Bureau. Reform the mortgage servicers industry so that more loans are modified and fewer homes are foreclosed upon. Try to stop abusive credit card practices. Support allowing bankruptcy judges to require loan modifications on primary residence mortgages. Oppose exploitative payday lending. Support efforts to eliminate predatory lending. Support reauthorization, modernization and expansion of the Community Reinvestment Act (CRA). oppose the elimination of funding for HUD's housing counseling programs. Support financial literacy programs. Support a ban on the use of credit reports by potential employers. Support Dr. Elizabeth Warren to be the first Director of the Consumer Financial Protection Bureau. Oppose H.R. 839, terminating the HAMP program; oppose H.R. 861, terminating HUD's Neighborhood Stabilization Program; oppose H.R. 836, terminating HUD's emergency Mortgage Relief program; oppose H.R. 830, terminating the FHA Refinance Program. Support a strong Consumer Financial Protection Bureau, which begins its activities as soon as possible. Oppose H.R. 1121; oppose H.R. 1315; oppose legislation intended to delay regulatory authority of the CFPB until a Director is confirmed; oppose legislation removing the prudential regulators ability to allow the CFPB to participate in examinations of large financial institutions before the designated transfer date. Support pro-consumer changes to the GSEs (Fannie Mae and Freddie Mac). Oppose a piecemeal approach to reforming Fannie Mae and Freddie Mac ("the GSEs"). Support a comprehensive approach to housing finance reform that will further the federal governments housing policy objectives of promoting residential integration, eliminating housing discrimination, and providing safe, decent, and affordable housing for all. Oppose delaying regulations limiting fees charged to merchants by issuers of debit cards. Support a flexible and inclusive definition of "larger participants" by the Consumer Financial Protection Bureau (participated in a CFPB roundtable discussion on the issue). Express grave concerns about the promulgation of the Dodd-Frank Credit Score disclosure requirement. Oppose potential employers reviewing a potential employee's credit report or credit score prior to making a hiring decision. Support HR 321 Support strong action by the Consumer Financial Protection Bureau in protecting consumers from abusive checking account policies. Support allowing consumers to transfer banking accounts to a different institution with little or no monetary repercussion. Support HR 3077. Support Richard Cordray as Director of the Consumer Financial Protection Bureau (CFPB). Support significantly strengthening the Office of the Comptroller of the Currencys (OCC) proposed guidance on overdraft programs and deposit advance products in such a way that all customers receive the lowest cost credit for which they qualify, and national banks are encouraged to offer responsible overdraft and credit products. Support a study of the regulation of interchange fees but oppose a delay in the implementation of the Durbin amendment to Dodd-Frank. Support H.R. 2086 / S. 2149, the Medical Debt Responsibility Act, which requirees that credit agencies to remove FULLY paid or settled medical debt from credit reports within 45 days. Support a strong settlement to the legal actions under discussion, and one that leaves open the path for further needed actions to hold lawbreakers accountable in the matter of the states Attorneys General and the Federal Government versus various financial institutions for breaking the law in terms of mortgages. Supported the Consumer Financial Protection Bureau (CFPB) take strong steps to stop checking account abuses. Specifically, we asked that the CFPB: Require information on important checking account terms to be disclosed in a one-page Consumer Choice Box; Require complete disclosure of all overdraft options; Require reasonable and proportional overdraft fees; Require the posting of deposits and withdrawals in a neutral manner; and Examine the prevalence of dispute resolution clauses in checking account agreements and the existence of fee shifting provisions that require the account holder to pay at least a portion of the banks costs when a dispute occurs. Support a two-month extension of the comment period to allow the Federal Reserve Board to hold a formal hearing and public meetings in at least five cities about Capital Ones proposed acquisition of Bank Nevada, N.A. Oppose H.R. 3035, the Mobile Informational Call Act of 2011, Support the CFPB adopting a definition of the Qualified Mortgage that covers the vast majority of the marketplace, so that most mortgage borrowers have the benefit of the strongest protections. Oppose any narrowing of the definitions of consumer or credit that are subject to Equal Credit Opportunity Act to match the narrower definitions in the Truth in Lending Act (TILA) or other statutes. (We also oppose narrowing the coverage of TILA or the Real Estate Settlement Procedures Act.) Oppose expanding exemptions to the data reporting requirements of Regulation C under the Home Mortgage Disclosure Act (HMDA). The CFPB should not weaken the rule that credit card issuers must consider the consumers independent ability to pay and cannot, as a general matter, rely solely on household income. Support Helping Homeowners Refinance Act of 2012, S. 2072 Support federal regulators of our nations banks to take immediate action to stop banks from making unaffordable, high-cost payday loans. Support inclusion of consumer narratives be in the CFPB's credit card complaint database. Support the settlement betwqeen the States' Attorneys Generals and several financial institutions regarding robosigning and foreclosures. Support the settlement between U.S. Department of Justice and Bank of America over Countrywide's discriminatory mortgage lending practices. Support Leon Russell to serve on the CFPB Advisory Panel. Supported access to idividual complaints, as well as data collection as to who is making the complaints, to the CFPB (while puting key protections in place to ensure individual privacy). Oppose the Red Tape Reduction and Small Business Job Creation Act" (H.R. 4078), which includes the Regulatory Freeze For Jobs Act, the Midnight Rule Relief Act of 2012" (H.R. 4607), and the Sunshine for Regulatory Decrees and Settlements Act of 2012 (H.R. 3862), among other harmful bills. Support the prohibition of overdraft fees and credit on Prepaid Cards (letter to the CFPB). Oppose H.R. 6139, the National Consumer Credit Corporation Charter and Consumer Access Innovation Act of 2012, and any similar legislation that may be introduced. Oppose all proposals to weaken the structure, powers or funding of the Consumer Financial Protection Bureau, including the proposal which would eliminate the Consumer Financial Protection Bureaus (CFPB) independence by making it the only bank regulatory agency placed under the appropriations process. Oppose Urban Trust Bank from partnering with the payday lender CheckSmart (formerly known as Buckeye Check Cashing) and Insight Card Services, LLC to help CheckSmart evade state usury and payday loan laws by making payday loans on prepaid cards.

Eliminate predatory lending; ensure equal access to financial services to all Americans. Eliminate disparities in credit reporting. Ease home mortgage foreclosure crisis. Eliminate pay day lending. Support capping all interest rates at 36% APR. Support a strong, responsive Consumer Financial Protection Bureau. Reform the mortgage servicers industry so that more loans are modified and fewer homes are foreclosed upon. Try to stop abusive credit card practices. Support allowing bankruptcy judges to require loan modifications on primary residence mortgages. Oppose exploitative payday lending. Support efforts to eliminate predatory lending. Support reauthorization, modernization and expansion of the Community Reinvestment Act (CRA). oppose the elimination of funding for HUD's housing counseling programs. Support financial literacy programs. Support a ban on the use of credit reports by potential employers. Support Dr. Elizabeth Warren to be the first Director of the Consumer Financial Protection Bureau. Oppose H.R. 839, terminating the HAMP program; oppose H.R. 861, terminating HUD's Neighborhood Stabilization Program; oppose H.R. 836, terminating HUD's emergency Mortgage Relief program; oppose H.R. 830, terminating the FHA Refinance Program. Support a strong Consumer Financial Protection Bureau, which begins its activities as soon as possible. Oppose H.R. 1121; oppose H.R. 1315; oppose legislation intended to delay regulatory authority of the CFPB until a Director is confirmed; oppose legislation removing the prudential regulators ability to allow the CFPB to participate in examinations of large financial institutions before the designated transfer date. Support pro-consumer changes to the GSEs (Fannie Mae and Freddie Mac). Oppose a piecemeal approach to reforming Fannie Mae and Freddie Mac ("the GSEs"). Support a comprehensive approach to housing finance reform that will further the federal governments housing policy objectives of promoting residential integration, eliminating housing discrimination, and providing safe, decent, and affordable housing for all. Oppose delaying regulations limiting fees charged to merchants by issuers of debit cards. Support a flexible and inclusive definition of "larger participants" by the Consumer Financial Protection Bureau (participated in a CFPB roundtable discussion on the issue). Express grave concerns about the promulgation of the Dodd-Frank Credit Score disclosure requirement. Oppose potential employers reviewing a potential employee's credit report or credit score prior to making a hiring decision. Support HR 321 Support strong action by the Consumer Financial Protection Bureau in protecting consumers from abusive checking account policies. Support allowing consumers to transfer banking accounts to a different institution with little or no monetary repercussion. Support HR 3077. Support Richard Cordray as Director of the Consumer Financial Protection Bureau (CFPB). Support significantly strengthening the Office of the Comptroller of the Currencys (OCC) proposed guidance on overdraft programs and deposit advance products in such a way that all customers receive the lowest cost credit for which they qualify, and national banks are encouraged to offer responsible overdraft and credit products. Support a study of the regulation of interchange fees but oppose a delay in the implementation of the Durbin amendment to Dodd-Frank. Support H.R. 2086 / S. 2149, the Medical Debt Responsibility Act, which requirees that credit agencies to remove FULLY paid or settled medical debt from credit reports within 45 days. Support a strong settlement to the legal actions under discussion, and one that leaves open the path for further needed actions to hold lawbreakers accountable in the matter of the states Attorneys General and the Federal Government versus various financial institutions for breaking the law in terms of mortgages. Supported the Consumer Financial Protection Bureau (CFPB) take strong steps to stop checking account abuses. Specifically, we asked that the CFPB: Require information on important checking account terms to be disclosed in a one-page Consumer Choice Box; Require complete disclosure of all overdraft options; Require reasonable and proportional overdraft fees; Require the posting of deposits and withdrawals in a neutral manner; and Examine the prevalence of dispute resolution clauses in checking account agreements and the existence of fee shifting provisions that require the account holder to pay at least a portion of the banks costs when a dispute occurs. Support a two-month extension of the comment period to allow the Federal Reserve Board to hold a formal hearing and public meetings in at least five cities about Capital Ones proposed acquisition of Bank Nevada, N.A. Oppose H.R. 3035, the Mobile Informational Call Act of 2011, Support the CFPB adopting a definition of the Qualified Mortgage that covers the vast majority of the marketplace, so that most mortgage borrowers have the benefit of the strongest protections. Oppose any narrowing of the definitions of consumer or credit that are subject to Equal Credit Opportunity Act to match the narrower definitions in the Truth in Lending Act (TILA) or other statutes. (We also oppose narrowing the coverage of TILA or the Real Estate Settlement Procedures Act.) Oppose expanding exemptions to the data reporting requirements of Regulation C under the Home Mortgage Disclosure Act (HMDA). The CFPB should not weaken the rule that credit card issuers must consider the consumers independent ability to pay and cannot, as a general matter, rely solely on household income. Support Helping Homeowners Refinance Act of 2012, S. 2072 Support federal regulators of our nations banks to take immediate action to stop banks from making unaffordable, high-cost payday loans. Support inclusion of consumer narratives be in the CFPB's credit card complaint database. Support the settlement betwqeen the States' Attorneys Generals and several financial institutions regarding robosigning and foreclosures. Support the settlement between U.S. Department of Justice and Bank of America over Countrywide's discriminatory mortgage lending practices. Support Leon Russell to serve on the CFPB Advisory Panel. Supported access to idividual complaints, as well as data collection as to who is making the complaints, to the CFPB (while puting key protections in place to ensure individual privacy). Oppose the Red Tape Reduction and Small Business Job Creation Act" (H.R. 4078), which includes the Regulatory Freeze For Jobs Act, the Midnight Rule Relief Act of 2012" (H.R. 4607), and the Sunshine for Regulatory Decrees and Settlements Act of 2012 (H.R. 3862), among other harmful bills. Support the prohibition of overdraft fees and credit on Prepaid Cards (letter to the CFPB). Oppose H.R. 6139, the National Consumer Credit Corporation Charter and Consumer Access Innovation Act of 2012, and any similar legislation that may be introduced. Oppose all proposals to weaken the structure, powers or funding of the Consumer Financial Protection Bureau, including the proposal which would eliminate the Consumer Financial Protection Bureaus (CFPB) independence by making it the only bank regulatory agency placed under the appropriations process. Oppose Urban Trust Bank from partnering with the payday lender CheckSmart (formerly known as Buckeye Check Cashing) and Insight Card Services, LLC to help CheckSmart evade state usury and payday loan laws by making payday loans on prepaid cards.

Ensure fair and non-discriminatory labor practices in the federal workplace as well as in private industry. Protect job training programs. Support union rights to organize and the rights of employees to collective bargaining. Oppose HR 122. Support the Employment Non-Discrimination Act (H.R. 1397/ S. 811). Support pay equity / The Paycheck Fairness Act (Support S. 797 / H.R. 1519). Support a "living wage" across the U.S. Oppose the use of credit reports in hiring, promotion and firing decisions. Support legislation allowing workers to form a union, the Employee Free Choice Act. Support job creation programs through public works and infrastructure development. Support for comprehensive jobs legislation to address not only the unemployment crisis facing our nation, but also the challenges being faced by states and local municipalities in meeting the basic education, public safety, health care, child care, and public transportation needs of our communities. Ensure that funding under the American Reinvestment and Recovery Act is spent in full compliance with Title VI of the Civil Rights Act. Support legislation to outlaw the use of credit scores by potential employers when making hiring decisions. Support legislation making FBI background checks done for employment purposes more accurate; Support allowing the employees of Delta Airlines to unionize. Support allowing the employees of the Transportation Safety Agency (TSA) to unionize. Support a National Mediation Board ruling making it easier for airline and railroad employees to form a union. Ensure the continuation of Davis-Bacon prevailing wage requirements. Support Project Labor Agreements.. Support S. 922, the Urban Jobs Act. Support expanding and employing best practices for language access to federally funded programs. Support a Humphrey / Hawkins approach to full employment. Support H.R. 870. Support eliminating employment discrimination. Support the Employment Non Discrimination Act, H.R. 1397 / S. 811 Support Department of Justice Civil Rights' Division activities in Dayton, Ohio, as it relates to admittance to training facilities for police officers and firefighters. Support merger between AT & T and T-Mobile. Support the Department of Labor revisions to the H-2B Visa program. Support the American Jobs Act HR 12 / S 1549 / S. 1660. Support the smaller versions, S. 1723, the Teachers and First Responders Back to Work Act (S. 1723) and the Rebuild America Act (S. 1769) and the Fix America's Schools Today Act (S. 1597 / H.R. 2948). Support provisions banning discrimination against people who have been unemployed for 6 months or longer. Support the National Labor Relations Board. Oppose HR 2587. Oppose potential employers using credit records or credit scores when evaluating potential employees for hiring purposes. Support HR 321. Support tax credits for companies which hire people who have been unemployed for at least 6 months. Support a prohibition on potential employers from asking about an applicants criminal background in the initial employment application. Support Davis-Bacon. Commend the Department of Labor for reviewing the companionship exemption which currently denies direct and home care workers basic federal wage and hour protections. This largely female workforce deserves the protections guaranteed to all workers by the Fair Labor Standards Act. Support the Healthy Families Act (H.R. 1876/S. 984) which would allow workers to earn up to seven paid sick days annually to use to recover from short-term illness, to care for a sick family member, to seek routine medical care or to obtain assistance related to domestic violence, sexual assault or stalking. Support Department of Labor advertising all available federal jobs at jobs center. Support inclusion of the National Housing Trust Fund in the American Jobs Act. Support the inclusion of Construction Careers Demonstration Program for surface construction programs. Support the Gillibrand Amendment to S. 1813. Support a new optional form that employees can use to request Family and Medical Leave Act leave which does not include irrelevant and invasive medical questions. Support requiring that employers be required to properly explain their reasons for denying a request for leave; and support updates to the military leave forms to reflect recent changes in the law that expanded service members rights to leave. Oppose H.R. 2587, the Protecting Jobs from Government Interference Act. Oppose H.R. 3094, the Workforce Democracy and Fairness Act. Support Project Labor Agreements. Support the rights of Transportation Safety Administration (TSA) employees to form a union and engage in collective bargaining. Support an increase in the federal investment in our hometowns transportation, affordable housing, community development, and job creation efforts by increasing the 302(b) allocation to the Subcommittee on Transportation, Housing and Urban Development, and Related Agencies (THUD) to the highest possible level in fiscal year (FY) 2013. Support updates to the Agricultural Hazardous Occupations Orders as Proposed by the U.S. Department of Labor and urge their immediate implementation. Support a long term transportation bill which will: 1.Preserve and expand existing programs that fund essential transportation options bicycling, walking, and public transportation. 2.Expand access to quality transportation jobs for the chronically-unemployed, low-income people, individuals with disabilities, women, and communities of color. 3.Strengthen enforcement of existing civil rights provisions. 4.Improve transportation outcomes through strategic planning with measures that promote economic and social equity. 5.Reform transportation funding to lower household expenses and foster community development. Support the inclusion of the Construction Careers Demonstration Program for surface transportation construction projects in the surface transportation reauthorization. Support the Department of Labor providing a new model form that combines a fact sheet about the FMLA with an optional form that could be completed by employees to request FMLA leave. Irrelevant and invasive questions should be removed from the medical certification forms. The medical certification form and designation notice should be combined into a single form that requires employers to describe the perceived deficiency when a medical certification is deemed to be insufficient or incomplete. The medical certification forms also should include an introduction that informs health care providers about the implications of their failure to properly complete the certification form. The medical certification language should be changed to reflect the fact that medical diagnoses cannot be made with complete certitude and should use proper medical terminology. The form used by service members and their families should be updated to reflect the 2010 National Defense Authorization Acts (NDAA) expansion of their FMLA rights. Support summer jobs programs for low-income and socailly disadvataged youth through the U.S. Department of Education and th e U.S. Department of Labor. Oppose the Red Tape Reduction and Small Business Job Creation Act" (H.R. 4078), which includes the Regulatory Freeze For Jobs Act, the Midnight Rule Relief Act of 2012" (H.R. 4607), and the Sunshine for Regulatory Decrees and Settlements Act of 2012 (H.R. 3862), among other harmful bills. Support S. 3317 / H.R. 5978, the Equal Employment Opportunity Restoration Act (EEORA) to remove the obstacles the Supreme Court placed in the way of American workers seeking to have their day in court to challenge discrimination in the workplace. Oppose employers using credit reports before making hiring or promotion decisions. Support The Equal Employment for All Act (H.R. 321). Support the guidence recently issued by the EEOC. Support the State Paid Leave Fund. Support maintaining the critical transportation equity provisions from MAP-21; Support a comprehensive analysis of civil rights compliance by including an Equal Opportunity Assessment; Ensure recruitment and training in the construction industry by including a Construction Careers Demonstration Project; and Preserve community involvement in local transportation planning and decision making. Support amendment to the Commerce, Justice, Science (CJS) appropriations bill by Congressman Hank Johnson (GA) to increase funding for the Equal Employment Opportunity Commission. Support ensuring that pregnant workers are not forced out of their jobs unnecessarily or denied reasonable job modifications that would allow them to continue working and supporting their families. Support the Department of Labors Notice of Proposed Rulemaking relating to legislative expansions of the Family and Medical Leave Act (FMLA). The proposed rules would implement changes to the military leave provisions of the FMLA, as well as the Airline Flight Crew Technical Corrections Act. The rule appropriately extends the amount of time a family member may take for qualifying exigency leave when the reason for leave is a service members rest and recuperation. Veterans must be able to establish that they suffer from a qualifying serious injury or illness without having to rely on the Veterans Affairs Schedule for Rating Disabilities (VASRD) or on their ability to fulfill occupational requirements. The documentation that employers may require of family members of active duty service members who are seeking qualified exigency leave should explicitly allow family members to supply a letter from the service members command. Support the Departments decision to allow any FMLA health care provider to certify a serious injury or illness for military caregiver leave. Support the Departmentof Labor's interpretation of the five-year coverage limit under FMLA for veterans. Encouraged the Department of Labor to provide a straightforward explanation of what is meant by the phrase qualifying exigency. For qualifying exigency leave related to childcare, we urge the Department to explicitly include additional categories of childcare and school activities that would qualify a military family member to take leave. The Department should ensure that gay and lesbian service members have equal access to family care by amending the definition of next of kin. The Department should explicitly note that all FMLA regulations are interpreted to include the children of parents standing in loco parentis and should ensure consistent and uniform administration of these new FMLA provisions. Veterans whose family members would have qualified for caregiver leave but for the fact that regulations had not yet been promulgated should be given a special dispensation so that they can take leave to care for veterans who still need such assistance. The Department should insert language identifying the discharge date provided on form DD-214 as the date when the veteran officially transitioned from being an active duty service member. Support S.3220, the Paycheck Fairness Act. Support collective bargaining. Oppose Rand (KY) amendment to S. 1789. Support project labor agreements. Support Grimm (NY) amendment to HR 5854 Oppose policy "riders" on the Commerce Justice Science Appropriations bill for FY 13 which would prohibit the US DoJ from supporting legal efforts toimplement the EEOC criminal background check guidence.

Eliminate predatory lending; ensure equal access to financial services to all Americans. Eliminate disparities in credit reporting. Ease home mortgage foreclosure crisis. Eliminate pay day lending. Support capping all interest rates at 36% APR. Support a strong, responsive Consumer Financial Protection Bureau. Oppose "vulture funds". Support debt relief for poor nations, a.k.a. the Jubilee Act. Reform the mortgage servicers industry so that more loans are modified and fewer homes are foreclosed upon. Support reauthorization, modernization and expansion of the Community Reinvestment Act (CRA),. Support efforts to eliminate predatory loans. Oppose exploitative payday loans; Support 36% interest rate cap; . Oppose federal preemption of state consumer financial protection laws. Reform the mortgage servicers industry so that more loans are modified and fewer homes are foreclosed upon. Try to stop abusive credit card practices. Support allowing bankruptcy judges to require loan modifications on primary residence mortgages. Oppose exploitative payday lending. Support efforts to eliminate predatory lending. Support reauthorization, modernization and expansion of the Community Reinvestment Act (CRA). oppose the elimination of funding for HUD's housing counseling programs. Support financial literacy programs. Support a ban on the use of credit reports by potential employers. Support Dr. Elizabeth Warren to be the first Director of the Consumer Financial Protection Bureau. Oppose H.R. 839, terminating the HAMP program; oppose H.R. 861, terminating HUD's Neighborhood Stabilization Program; oppose H.R. 836, terminating HUD's emergency Mortgage Relief program; oppose H.R. 830, terminating the FHA Refinance Program. Support a strong Consumer Financial Protection Bureau, which begins its activities as soon as possible. Oppose H.R. 1121; oppose H.R. 1315; oppose legislation intended to delay regulatory authority of the CFPB until a Director is confirmed; oppose legislation removing the prudential regulators ability to allow the CFPB to participate in examinations of large financial institutions before the designated transfer date. Support pro-consumer changes to the GSEs (Fannie Mae and Freddie Mac). Oppose a piecemeal approach to reforming Fannie Mae and Freddie Mac ("the GSEs"). Support a comprehensive approach to housing finance reform that will further the federal governments housing policy objectives of promoting residential integration, eliminating housing discrimination, and providing safe, decent, and affordable housing for all. Express grave concerns about proposed rules for risk-based pricing rule. Strengthening the proposed rule for holding servicers accountable for illegal deeds. Oppose delaying regulations limiting fees charged to merchants by issuers of debit cards. Support a flexible and inclusive definition of "larger participants" by the Consumer Financial Protection Bureau (participated in a CFPB roundtable discussion on the issue). Express grave concerns about the promulgation of the Dodd-Frank Credit Score disclosure requirement. Support keeping responsible and affordable mortgage credit flowing to all neighborhoods and to all qualified borrowers, stopping wrongful foreclosures, and support the development of affordable rental homes close to good schools and quality jobs Support a more thorough investigation into the Capital One /ING merger. Support extending the public comment period on the merger as well as five public hearings around the country. Oppose potential employers reviewing a potential employees credit report / credit score prior to making any hiring decision. Support HR 321. Support sensible, non-exploitative mortgage lending. Adopt a qualified mortgage standard that will not shut out prospective minority homeowners. Support Richard Cordray to be Director of the Consumer Financial Protection Bureau. Contact the Federal Housing Finance Agency (and others) in support of risk retention as defined in the Dodd-Frank bill but opposed to a high downpayment to qualify for a Qualified Residential Mortgage (QRM). Contact the FHFA in support of a more robust federal response to the foreclosure crisis, including banning the two track system whereby homeowners facing foreclosure who are trying to modify their loan also find their foreclosure proceeding moving ahead. Outlaw Robosigning and remedy homeowners adversely affected by the practice, in which many servicers did not even read the foreclosure documents they were signing. Principal reductions should be provided in both the federal governments home loan modification programs and each financial institutions private loan modification programs. They should include heightened loss-mitigation standards. Finally, they should also include a forbearance program to help unemployed homeowners. Support strong action by the Consumer Financial Protection Bureau in protecting consumers from abusive checking account policies. Support allowing consumers to transfer banking accounts to a different institution with little or no monetary repercussion. Support HR 3077. Support Richard Cordray as Director of the Consumer Financial Protection Bureau (CFPB). Support significantly strengthening the Office of the Comptroller of the Currencys (OCC) proposed guidance on overdraft programs and deposit advance products in such a way that all customers receive the lowest cost credit for which they qualify, and national banks are encouraged to offer responsible overdraft and credit products. Support the Reed (RI) amendment to S. 1867 which closed a loophole allowing payday lenders to charge members of the military more than 36% for short-term loans. Supported the Consumer Financial Protection Bureau (CFPB) take strong steps to stop checking account abuses. Specifically, we asked that the CFPB: Require information on important checking account terms to be disclosed in a one-page Consumer Choice Box; Require complete disclosure of all overdraft options; Require reasonable and proportional overdraft fees; Require the posting of deposits and withdrawals in a neutral manner; and Examine the prevalence of dispute resolution clauses in checking account agreements and the existence of fee shifting provisions that require the accountholder to pay at least a portion of the banks costs when a dispute occurs. Support a two-month extension of the comment period to allow the Federal Reserve Board to hold a formal hearing and public meetings in at least five cities about Capital Ones proposed acquisition of Bank Nevada, N.A. Oppose H.R. 3035, the Mobile Informational Call Act of 2011. Support a study of the regulation of interchange fees but oppose a delay in the implementation of the Durbin amendment to Dodd-Frank. Urge the Consumver Financial Protection Bureau (CFPB) to define "larger participants" among dect collecters and consumer reporting agencies broadly, yet in a manner that does not allow companies to evade review. Also encouraged the CFPB to examine all of an entities' consumer financial products and services. Support H.R. 2086 / S. 2149, the Medical Debt Responsibility Act, which requirees that credit agencies to remove FULLY paid or settled medical debt from credit reports within 45 days. Support the CFPB adopting a definition of the Qualified Mortgage that covers the vast majority of the marketplace, so that most mortgage borrowers have the benefit of the strongest protections. Oppose any narrowing of the definitions of consumer or credit that are subject to Equal Credit Opportunity Act to match the narrower definitions in the Truth in Lending Act (TILA) or other statutes. (We also oppose narrowing the coverage of TILA or the Real Estate Settlement Procedures Act.). Oppose expanding exemptions to the data reporting requirements of Regulation C under the Home Mortgage Disclosure Act (HMDA). The CFPB should not weaken the rule that credit card issuers must consider the consumers independent ability to pay and cannot, as a general matter, rely solely on household income. Support Helping Homeowners Refinance Act of 2012, S. 2072 Support federal regulators of our nations banks to take immediate action to stop banks from making unaffordable, high-cost payday loans. Support inclusion of consumer narratives be in the CFPB's credit card complaint database. Support the settlement betwqeen the States' Attorneys Generals and several financial institutions regarding robosigning and foreclosures. Support the settlement between U.S. Department of Justice and Bank of America over Countrywide's discriminatory mortgage lending practices. Support Leon Russell to serve on the CFPB Advisory Panel. Oppose the Red Tape Reduction and Small Business Job Creation Act" (H.R. 4078), which includes the Regulatory Freeze For Jobs Act, the Midnight Rule Relief Act of 2012" (H.R. 4607), and the Sunshine for Regulatory Decrees and Settlements Act of 2012 (H.R. 3862), among other harmful bills. Support the prohibition of overdraft fees and credit on Prepaid Cards (letter to the CFPB). Oppose H.R. 6139, the National Consumer Credit Corporation Charter and Consumer Access Innovation Act of 2012, and any similar legislation that may be introduced. Oppose all proposals to weaken the structure, powers or funding of the Consumer Financial Protection Bureau, including the proposal which would eliminate the Consumer Financial Protection Bureaus (CFPB) independence by making it the only bank regulatory agency placed under the appropriations process. Oppose Urban Trust Bank from partnering with the payday lender CheckSmart (formerly known as Buckeye Check Cashing) and Insight Card Services, LLC to help CheckSmart evade state usury and payday loan laws by making payday loans on prepaid cards. As the CFPB defines the entities that will be subject to examination in this and future rulemakings, it should define larger broadly, prevent evasions by including counting the revenues of affiliated companies and also firms that act as agents or are under contract to another firm, and examine all of an entitys consumer financial products and services even if it is a larger participant in just one market. Strongly support H.R. 2086 and S. 2149, the Medical Debt Responsibility Act Support extending mortgage protections under the Servicemember Civil Reflieef Act. Support the Cummings (MD) amendment to HR 4310

H.R. 1873/S. 987 - Arbitration Fairness Act, supported H.R. 1519/S. 797 - Paycheck Fairness Act S2189 "Protecting Older Workers Against Discrimination Act" H.R. 321, Equal Employment for All Act, supported H.R. 572, S. 2011 "Clean Ports Act of 2011" H.R. 1540, National Defense Authorization Act for FY 2012 H.R. 658 - FAA Air Transportation Modernization and Safety Improvement Act H.R. 2587 - Protecting Jobs From Government Interference Act

Client expense: $269,357 · Firm income: Not reported

Government targets: Education, Dept of, Executive Office of the President (EOP), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Justice, Dept of (DOJ), SENATE, Transportation, Dept of (DOT), Treasury, Dept of, Vice President of the U.S., White House Office

H.R. 321 - Equal Employment For All Act H.R. 769 - Fair Access to Credit Scores Act of 2011

Client expense: Not reported · Firm income: $60,000

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE

Amending the Fair Credit Reporting Act to restrict the use of credit checks in employment decisions, H.R. 321, all provisions.

Client expense: $20,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Amending the Fair Credit Reporting Act to restrict the use of credit checks in employment decisions, H.R. 321, all provisions.

Client expense: $20,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Eliminate predatory lending; ensure equal access to financial services to all Americans. Eliminate disparities in credit reporting. Ease home mortgage foreclosure crisis. Eliminate pay day lending. Support capping all interest rates at 36% APR. Support a strong, responsive Consumer Financial Protection Bureau. Reform the mortgage servicers industry so that more loans are modified and fewer homes are foreclosed upon. Try to stop abusive credit card practices. Support allowing bankruptcy judges to require loan modifications on primary residence mortgages. Oppose exploitative payday lending. Support efforts to eliminate predatory lending. Support reauthorization, modernization and expansion of the Community Reinvestment Act (CRA). oppose the elimination of funding for HUD's housing counseling programs. Support financial literacy programs. Support a ban on the use of credit reports by potential employers. Support Dr. Elizabeth Warren to be the first Director of the Consumer Financial Protection Bureau. Oppose H.R. 839, terminating the HAMP program; oppose H.R. 861, terminating HUD's Neighborhood Stabilization Program; oppose H.R. 836, terminating HUD's emergency Mortgage Relief program; oppose H.R. 830, terminating the FHA Refinance Program. Support a strong Consumer Financial Protection Bureau, which begins its activities as soon as possible. Oppose H.R. 1121; oppose H.R. 1315; oppose legislation intended to delay regulatory authority of the CFPB until a Director is confirmed; oppose legislation removing the prudential regulators ability to allow the CFPB to participate in examinations of large financial institutions before the designated transfer date. Support pro-consumer changes to the GSEs (Fannie Mae and Freddie Mac). Oppose a piecemeal approach to reforming Fannie Mae and Freddie Mac ("the GSEs"). Support a comprehensive approach to housing finance reform that will further the federal governments housing policy objectives of promoting residential integration, eliminating housing discrimination, and providing safe, decent, and affordable housing for all. Oppose delaying regulations limiting fees charged to merchants by issuers of debit cards. Support a flexible and inclusive definition of "larger participants" by the Consumer Financial Protection Bureau (participated in a CFPB roundtable discussion on the issue). Express grave concerns about the promulgation of the Dodd-Frank Credit Score disclosure requirement. Oppose potential employers reviewing a potential employee's credit report or credit score prior to making a hiring decision. Support HR 321 Support strong action by the Consumer Financial Protection Bureau in protecting consumers from abusive checking account policies. Support allowing consumers to transfer banking accounts to a different institution with little or no monetary repercussion. Support HR 3077. Support Richard Cordray as Director of the Consumer Financial Protection Bureau (CFPB). Support significantly strengthening the Office of the Comptroller of the Currencys (OCC) proposed guidance on overdraft programs and deposit advance products in such a way that all customers receive the lowest cost credit for which they qualify, and national banks are encouraged to offer responsible overdraft and credit products. Support a study of the regulation of interchange fees but oppose a delay in the implementation of the Durbin amendment to Dodd-Frank. Support H.R. 2086 / S. 2149, the Medical Debt Responsibility Act, which requirees that credit agencies to remove FULLY paid or settled medical debt from credit reports within 45 days. Support a strong settlement to the legal actions under discussion, and one that leaves open the path for further needed actions to hold lawbreakers accountable in the matter of the states Attorneys General and the Federal Government versus various financial institutions for breaking the law in terms of mortgages. Supported the Consumer Financial Protection Bureau (CFPB) take strong steps to stop checking account abuses. Specifically, we asked that the CFPB: Require information on important checking account terms to be disclosed in a one-page Consumer Choice Box; Require complete disclosure of all overdraft options; Require reasonable and proportional overdraft fees; Require the posting of deposits and withdrawals in a neutral manner; and Examine the prevalence of dispute resolution clauses in checking account agreements and the existence of fee shifting provisions that require the account holder to pay at least a portion of the banks costs when a dispute occurs. Support a two-month extension of the comment period to allow the Federal Reserve Board to hold a formal hearing and public meetings in at least five cities about Capital Ones proposed acquisition of Bank Nevada, N.A. Oppose H.R. 3035, the Mobile Informational Call Act of 2011, Support the CFPB adopting a definition of the Qualified Mortgage that covers the vast majority of the marketplace, so that most mortgage borrowers have the benefit of the strongest protections. Oppose any narrowing of the definitions of consumer or credit that are subject to Equal Credit Opportunity Act to match the narrower definitions in the Truth in Lending Act (TILA) or other statutes. (We also oppose narrowing the coverage of TILA or the Real Estate Settlement Procedures Act.) Oppose expanding exemptions to the data reporting requirements of Regulation C under the Home Mortgage Disclosure Act (HMDA). The CFPB should not weaken the rule that credit card issuers must consider the consumers independent ability to pay and cannot, as a general matter, rely solely on household income. Support Helping Homeowners Refinance Act of 2012, S. 2072 Support federal regulators of our nations banks to take immediate action to stop banks from making unaffordable, high-cost payday loans. Support inclusion of consumer narratives be in the CFPB's credit card complaint database. Support the settlement betwqeen the States' Attorneys Generals and several financial institutions regarding robosigning and foreclosures. Support the settlement between U.S. Department of Justice and Bank of America over Countrywide's discriminatory mortgage lending practices. Support Leon Russell to serve on the CFPB Advisory Panel.

Eliminate predatory lending; ensure equal access to financial services to all Americans. Eliminate disparities in credit reporting. Ease home mortgage foreclosure crisis. Eliminate pay day lending. Support capping all interest rates at 36% APR. Support a strong, responsive Consumer Financial Protection Bureau. Oppose "vulture funds". Support debt relief for poor nations, a.k.a. the Jubilee Act. Reform the mortgage servicers industry so that more loans are modified and fewer homes are foreclosed upon. Support reauthorization, modernization and expansion of the Community Reinvestment Act (CRA),. Support efforts to eliminate predatory loans. Oppose exploitative payday loans; Support 36% interest rate cap; . Oppose federal preemption of state consumer financial protection laws. Reform the mortgage servicers industry so that more loans are modified and fewer homes are foreclosed upon. Try to stop abusive credit card practices. Support allowing bankruptcy judges to require loan modifications on primary residence mortgages. Oppose exploitative payday lending. Support efforts to eliminate predatory lending. Support reauthorization, modernization and expansion of the Community Reinvestment Act (CRA). oppose the elimination of funding for HUD's housing counseling programs. Support financial literacy programs. Support a ban on the use of credit reports by potential employers. Support Dr. Elizabeth Warren to be the first Director of the Consumer Financial Protection Bureau. Oppose H.R. 839, terminating the HAMP program; oppose H.R. 861, terminating HUD's Neighborhood Stabilization Program; oppose H.R. 836, terminating HUD's emergency Mortgage Relief program; oppose H.R. 830, terminating the FHA Refinance Program. Support a strong Consumer Financial Protection Bureau, which begins its activities as soon as possible. Oppose H.R. 1121; oppose H.R. 1315; oppose legislation intended to delay regulatory authority of the CFPB until a Director is confirmed; oppose legislation removing the prudential regulators ability to allow the CFPB to participate in examinations of large financial institutions before the designated transfer date. Support pro-consumer changes to the GSEs (Fannie Mae and Freddie Mac). Oppose a piecemeal approach to reforming Fannie Mae and Freddie Mac ("the GSEs"). Support a comprehensive approach to housing finance reform that will further the federal governments housing policy objectives of promoting residential integration, eliminating housing discrimination, and providing safe, decent, and affordable housing for all. Express grave concerns about proposed rules for risk-based pricing rule. Strengthening the proposed rule for holding servicers accountable for illegal deeds. Oppose delaying regulations limiting fees charged to merchants by issuers of debit cards. Support a flexible and inclusive definition of "larger participants" by the Consumer Financial Protection Bureau (participated in a CFPB roundtable discussion on the issue). Express grave concerns about the promulgation of the Dodd-Frank Credit Score disclosure requirement. Support keeping responsible and affordable mortgage credit flowing to all neighborhoods and to all qualified borrowers, stopping wrongful foreclosures, and support the development of affordable rental homes close to good schools and quality jobs Support a more thorough investigation into the Capital One /ING merger. Support extending the public comment period on the merger as well as five public hearings around the country. Oppose potential employers reviewing a potential employees credit report / credit score prior to making any hiring decision. Support HR 321. Support sensible, non-exploitative mortgage lending. Adopt a qualified mortgage standard that will not shut out prospective minority homeowners. Support Richard Cordray to be Director of the Consumer Financial Protection Bureau. Contact the Federal Housing Finance Agency (and others) in support of risk retention as defined in the Dodd-Frank bill but opposed to a high downpayment to qualify for a Qualified Residential Mortgage (QRM). Contact the FHFA in support of a more robust federal response to the foreclosure crisis, including banning the two track system whereby homeowners facing foreclosure who are trying to modify their loan also find their foreclosure proceeding moving ahead. Outlaw Robosigning and remedy homeowners adversely affected by the practice, in which many servicers did not even read the foreclosure documents they were signing. Principal reductions should be provided in both the federal governments home loan modification programs and each financial institutions private loan modification programs. They should include heightened loss-mitigation standards. Finally, they should also include a forbearance program to help unemployed homeowners. Support strong action by the Consumer Financial Protection Bureau in protecting consumers from abusive checking account policies. Support allowing consumers to transfer banking accounts to a different institution with little or no monetary repercussion. Support HR 3077. Support Richard Cordray as Director of the Consumer Financial Protection Bureau (CFPB). Support significantly strengthening the Office of the Comptroller of the Currencys (OCC) proposed guidance on overdraft programs and deposit advance products in such a way that all customers receive the lowest cost credit for which they qualify, and national banks are encouraged to offer responsible overdraft and credit products. Support the Reed (RI) amendment to S. 1867 which closed a loophole allowing payday lenders to charge members of the military more than 36% for short-term loans. Supported the Consumer Financial Protection Bureau (CFPB) take strong steps to stop checking account abuses. Specifically, we asked that the CFPB: Require information on important checking account terms to be disclosed in a one-page Consumer Choice Box; Require complete disclosure of all overdraft options; Require reasonable and proportional overdraft fees; Require the posting of deposits and withdrawals in a neutral manner; and Examine the prevalence of dispute resolution clauses in checking account agreements and the existence of fee shifting provisions that require the accountholder to pay at least a portion of the banks costs when a dispute occurs. Support a two-month extension of the comment period to allow the Federal Reserve Board to hold a formal hearing and public meetings in at least five cities about Capital Ones proposed acquisition of Bank Nevada, N.A. Oppose H.R. 3035, the Mobile Informational Call Act of 2011. Support a study of the regulation of interchange fees but oppose a delay in the implementation of the Durbin amendment to Dodd-Frank. Urge the Consumver Financial Protection Bureau (CFPB) to define "larger participants" among dect collecters and consumer reporting agencies broadly, yet in a manner that does not allow companies to evade review. Also encouraged the CFPB to examine all of an entities' consumer financial products and services. Support H.R. 2086 / S. 2149, the Medical Debt Responsibility Act, which requirees that credit agencies to remove FULLY paid or settled medical debt from credit reports within 45 days. Support the CFPB adopting a definition of the Qualified Mortgage that covers the vast majority of the marketplace, so that most mortgage borrowers have the benefit of the strongest protections. Oppose any narrowing of the definitions of consumer or credit that are subject to Equal Credit Opportunity Act to match the narrower definitions in the Truth in Lending Act (TILA) or other statutes. (We also oppose narrowing the coverage of TILA or the Real Estate Settlement Procedures Act.). Oppose expanding exemptions to the data reporting requirements of Regulation C under the Home Mortgage Disclosure Act (HMDA). The CFPB should not weaken the rule that credit card issuers must consider the consumers independent ability to pay and cannot, as a general matter, rely solely on household income. Support Helping Homeowners Refinance Act of 2012, S. 2072 Support federal regulators of our nations banks to take immediate action to stop banks from making unaffordable, high-cost payday loans. Support inclusion of consumer narratives be in the CFPB's credit card complaint database. Support the settlement betwqeen the States' Attorneys Generals and several financial institutions regarding robosigning and foreclosures. Support the settlement between U.S. Department of Justice and Bank of America over Countrywide's discriminatory mortgage lending practices. Support Leon Russell to serve on the CFPB Advisory Panel.

Ensure fair and non-discriminatory labor practices in the federal workplace as well as in private industry. Protect job training programs. Support union rights to organize and the rights of employees to collective bargaining. Oppose HR 122. Support the Employment Non-Discrimination Act (H.R. 1397/ S. 811). Support pay equity / The Paycheck Fairness Act (Support S. 797 / H.R. 1519). Support a "living wage" across the U.S. Oppose the use of credit reports in hiring, promotion and firing decisions. Support legislation allowing workers to form a union, the Employee Free Choice Act. Support job creation programs through public works and infrastructure development. Support for comprehensive jobs legislation to address not only the unemployment crisis facing our nation, but also the challenges being faced by states and local municipalities in meeting the basic education, public safety, health care, child care, and public transportation needs of our communities. Ensure that funding under the American Reinvestment and Recovery Act is spent in full compliance with Title VI of the Civil Rights Act. Support legislation to outlaw the use of credit scores by potential employers when making hiring decisions. Support legislation making FBI background checks done for employment purposes more accurate; Support allowing the employees of Delta Airlines to unionize. Support allowing the employees of the Transportation Safety Agency (TSA) to unionize. Support a National Mediation Board ruling making it easier for airline and railroad employees to form a union. Ensure the continuation of Davis-Bacon prevailing wage requirements. Support Project Labor Agreements.. Support S. 922, the Urban Jobs Act. Support expanding and employing best practices for language access to federally funded programs. Support a Humphrey / Hawkins approach to full employment. Support H.R. 870. Support eliminating employment discrimination. Support the Employment Non Discrimination Act, H.R. 1397 / S. 811 Support Department of Justice Civil Rights' Division activities in Dayton, Ohio, as it relates to admittance to training facilities for police officers and firefighters. Support merger between AT & T and T-Mobile. Support the Department of Labor revisions to the H-2B Visa program. Support the American Jobs Act HR 12 / S 1549 / S. 1660. Support the smaller versions, S. 1723, the Teachers and First Responders Back to Work Act (S. 1723) and the Rebuild America Act (S. 1769) and the Fix America's Schools Today Act (S. 1597 / H.R. 2948). Support provisions banning discrimination against people who have been unemployed for 6 months or longer. Support the National Labor Relations Board. Oppose HR 2587. Oppose potential employers using credit records or credit scores when evaluating potential employees for hiring purposes. Support HR 321. Support tax credits for companies which hire people who have been unemployed for at least 6 months. Support a prohibition on potential employers from asking about an applicants criminal background in the initial employment application. Support Davis-Bacon. Commend the Department of Labor for reviewing the companionship exemption which currently denies direct and home care workers basic federal wage and hour protections. This largely female workforce deserves the protections guaranteed to all workers by the Fair Labor Standards Act. Support the Healthy Families Act (H.R. 1876/S. 984) which would allow workers to earn up to seven paid sick days annually to use to recover from short-term illness, to care for a sick family member, to seek routine medical care or to obtain assistance related to domestic violence, sexual assault or stalking. Support Department of Labor advertising all available federal jobs at jobs center. Support inclusion of the National Housing Trust Fund in the American Jobs Act. Support the inclusion of Construction Careers Demonstration Program for surface construction programs. Support the Gillibrand Amendment to S. 1813. Support a new optional form that employees can use to request Family and Medical Leave Act leave which does not include irrelevant and invasive medical questions. Support requiring that employers be required to properly explain their reasons for denying a request for leave; and support updates to the military leave forms to reflect recent changes in the law that expanded service members rights to leave. Oppose H.R. 2587, the Protecting Jobs from Government Interference Act. Oppose H.R. 3094, the Workforce Democracy and Fairness Act. Support Project Labor Agreements. Support the rights of Transportation Safety Administration (TSA) employees to form a union and engage in collective bargaining. Support an increase in the federal investment in our hometowns transportation, affordable housing, community development, and job creation efforts by increasing the 302(b) allocation to the Subcommittee on Transportation, Housing and Urban Development, and Related Agencies (THUD) to the highest possible level in fiscal year (FY) 2013. Support updates to the Agricultural Hazardous Occupations Orders as Proposed by the U.S. Department of Labor and urge their immediate implementation. Support a long term transportation bill which will: 1.Preserve and expand existing programs that fund essential transportation options bicycling, walking, and public transportation. 2.Expand access to quality transportation jobs for the chronically-unemployed, low-income people, individuals with disabilities, women, and communities of color. 3.Strengthen enforcement of existing civil rights provisions. 4.Improve transportation outcomes through strategic planning with measures that promote economic and social equity. 5.Reform transportation funding to lower household expenses and foster community development. Support the inclusion of the Construction Careers Demonstration Program for surface transportation construction projects in the surface transportation reauthorization. Support the Department of Labor providing a new model form that combines a fact sheet about the FMLA with an optional form that could be completed by employees to request FMLA leave. Irrelevant and invasive questions should be removed from the medical certification forms. The medical certification form and designation notice should be combined into a single form that requires employers to describe the perceived deficiency when a medical certification is deemed to be insufficient or incomplete. The medical certification forms also should include an introduction that informs health care providers about the implications of their failure to properly complete the certification form. The medical certification language should be changed to reflect the fact that medical diagnoses cannot be made with complete certitude and should use proper medical terminology. The form used by service members and their families should be updated to reflect the 2010 National Defense Authorization Acts (NDAA) expansion of their FMLA rights. Support summer jobs programs for low-income and socailly disadvataged youth through the U.S. Department of Education and th e U.S. Department of Labor

H.R. 1873/S. 987 - Arbitration Fairness Act, supported H.R. 1519/S. 797 - Paycheck Fairness Act S2189 "Protecting Older Workers Against Discrimination Act" H.R. 321, Equal Employment for All Act, supported Opportunity Restoration Act of 2011 H.R. 572, S. 2011 "Clean Ports Act of 2011" H.R. 1540, National Defense Authorization Act for FY 2012 H.R. 658 - FAA Air Transportation Modernization and Safety Improvement Act H.R. 2587 - Protecting Jobs From Government Interference Act

Client expense: $268,293 · Firm income: Not reported

Government targets: Education, Dept of, Executive Office of the President (EOP), HOUSE OF REPRESENTATIVES, Justice, Dept of (DOJ), SENATE, Transportation, Dept of (DOT), Treasury, Dept of, Vice President of the U.S., White House Office

H.R. 321 - Equal Employment for All Act (all provisions) H.R. 972 - Secret Ballot Protection Act (all provisions) S. 217 - Secret Ballot Protection Act (all provisions) S. 1843 Representation Fairness Act (all provisions) H.J. Res. 103 - Providing for congressional disapproval under Chapter 8 of Title 5, United States code of the rule submitted by the National Labor Relations Board relating to representation election procedures. S. 770 Payroll Fraud Prevention Act (all provisions) Amends the Fair Labor Standards Act to require employee and non-employee classification for all workers, and notification of classification status to workers. Amends employer penalties for non-compliance and authorizes the US Department of Labor to report noncompliance to the Internal Revenue Service. Contacted the House of Representatives, US Department of Labor and the National Labor Relations Board regarding provisions of the National Labor Relations Act covering representation elections, collective bargaining, bargaining units, and reporting and notice requirements including proposed and finalized regulatory changes (NLRB 76 Fed. Register 36812, and DOL 76 Fed. Register 36178, and NLRB 76 Fed. Register 54006 and NLRB 76 Fed. Register 80138) H.R. 3487 Job Creation Act of 2011 - Title VII Secret Ballot Protection Act (all provisions) H.R. 3178 Employee Misclassification Prevention Act (all provisions) amends the Fair Labbor Standards Act to require recordkeeping for non-employee workers and to notify new employees and non-employee workers of their classification and legal rights. Sets employer penalties and federal agency requirments for communication and intra-governmental information sharing. S.J. Res. 36 - A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the National Labor Relations Board relating to representation election procedures. S. 1507 - "Employee Rights Act" (all provisions)

H.R. 321 - Equal Employment For All Act H.R. 769 - Fair Access to Credit Scores Act of 2011

Client expense: Not reported · Firm income: $60,000

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE

H.R. 321, Equal Employment for All Act (all provisions) H.R. 128 To direct the Secretary of Labor to revise regulations concerning the recording and reporting of occupational injuries and illnesses under the OSHA of 1970 (official)(all provisions) H.R. 1473, DOD and Full-Year Continuing Appropriations Act, 2011 (Title VI, Sec. 1639; Title VIII)

Client expense: $484,000 · Firm income: Not reported

Government targets: Energy, Dept of, Environmental Protection Agency (EPA), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Natl Economic Council (NEC), Natl Labor Relations Board (NLRB), Office of the Comptroller of the Currency (OCC), SENATE, Small Business Administration (SBA), Treasury, Dept of, White House Office

S.299 REINS Act, all provisions; H.R. 672, all provisions; Columbia Free Trade Agreement, all provisions; HR 4078 Regulatory Freeze for Jobs Act; HR 321 Equal Employment For All Act, All provisions.

Client expense: Not reported · Firm income: Not reported

S.299 REINS Act, all provisions; H.R. 672, all provisions; Columbia Free Trade Agreement, all provisions; HR 4078 Regulatory Freeze for Jobs Act; HR 321 Equal Employment For All Act, All provisions.

Client expense: Not reported · Firm income: Not reported

S.299 REINS Act, all provisions; H.R. 672, all provisions; Columbia Free Trade Agreement, all provisions; HR 4078 Regulatory Freeze for Jobs Act; HR 321 Equal Employment For All Act, All provisions.

Client expense: Not reported · Firm income: Not reported

S.299 REINS Act, all provisions; H.R. 672, all provisions; Columbia Free Trade Agreement, all provisions; HR 4078 Regulatory Freeze for Jobs Act; HR 321 Equal Employment For All Act, All provisions.

Client expense: Not reported · Firm income: Not reported

HR 321, a bill to limit employer access to credit reports EEOC possible guidance on employer use of background checks Support Congressional efforts to oversee the activities of the National Labor Relations Board

Client expense: Not reported · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

EEOC consideration of amending guidance on employer use of criminal and credit background checks. HR 321--Limitation of employer use of credit reports

Client expense: Not reported · Firm income: $10,000

Government targets: Equal Employment Opportunity Commission (EEOC), HOUSE OF REPRESENTATIVES, SENATE

Ensure fair and non-discriminatory labor practices in the federal workplace as well as in private industry. Protect job training programs. Support union rights to organize and the rights of employees to collective bargaining. Oppose HR 122. Support the Employment Non-Discrimination Act (H.R. 1397/ S. 811). Support pay equity / The Paycheck Fairness Act (Support S. 797 / H.R. 1519). Support a "living wage" across the U.S. Oppose the use of credit reports in hiring, promotion and firing decisions. Support legislation allowing workers to form a union, the Employee Free Choice Act. Support job creation programs through public works and infrastructure development. Support for comprehensive jobs legislation to address not only the unemployment crisis facing our nation, but also the challenges being faced by states and local municipalities in meeting the basic education, public safety, health care, child care, and public transportation needs of our communities. Ensure that funding under the American Reinvestment and Recovery Act is spent in full compliance with Title VI of the Civil Rights Act. Support legislation to outlaw the use of credit scores by potential employers when making hiring decisions. Support legislation making FBI background checks done for employment purposes more accurate; Support allowing the employees of Delta Airlines to unionize. Support allowing the employees of the Transportation Safety Agency (TSA) to unionize. Support a National Mediation Board ruling making it easier for airline and railroad employees to form a union. Ensure the continuation of Davis-Bacon prevailing wage requirements. Support Project Labor Agreements.. Support S. 922, the Urban Jobs Act. Support expanding and employing best practices for language access to federally funded programs. Support a Humphrey / Hawkins approach to full employment. Support H.R. 870. Support eliminating employment discrimination. Support the Employment Non Discrimination Act, H.R. 1397 / S. 811 Support Department of Justice Civil Rights' Division activities in Dayton, Ohio, as it relates to admittance to training facilities for police officers and firefighters. Support merger between AT & T and T-Mobile. Support the Department of Labor revisions to the H-2B Visa program. Support the American Jobs Act HR 12 / S 1549 / S. 1660. Support the smaller versions, S. 1723, the Teachers and First Responders Back to Work Act (S. 1723) and the Rebuild America Act (S. 1769) and the Fix America's Schools Today Act (S. 1597 / H.R. 2948). Support provisions banning discrimination against people who have been unemployed for 6 months or longer. Support the National Labor Relations Board. Oppose HR 2587. Oppose potential employers using credit records or credit scores when evaluating potential employees for hiring purposes. Support HR 321. Support tax credits for companies which hire people who have been unemployed for at least 6 months. Support a prohibition on potential employers from asking about an applicants criminal background in the initial employment application. Support Davis-Bacon. Commend the Department of Labor for reviewing the companionship exemption which currently denies direct and home care workers basic federal wage and hour protections. This largely female workforce deserves the protections guaranteed to all workers by the Fair Labor Standards Act. Support the Healthy Families Act (H.R. 1876/S. 984) which would allow workers to earn up to seven paid sick days annually to use to recover from short-term illness, to care for a sick family member, to seek routine medical care or to obtain assistance related to domestic violence, sexual assault or stalking. Support Department of Labor advertising all available federal jobs at jobs center. Support inclusion of the National Housing Trust Fund in the American Jobs Act. Support the inclusion of Construction Careers Demonstration Program for surface construction programs. Support the Gillibrand Amendment to S. 1813. Support a new optional form that employees can use to request Family and Medical Leave Act leave which does not include irrelevant and invasive medical questions. Support requiring that employers be required to properly explain their reasons for denying a request for leave; and support updates to the military leave forms to reflect recent changes in the law that expanded service members rights to leave. Oppose H.R. 2587, the Protecting Jobs from Government Interference Act. Oppose H.R. 3094, the Workforce Democracy and Fairness Act. Support Project Labor Agreements. Support the rights of Transportation Safety Administration (TSA) employees to form a union and engage in collective bargaining.

Eliminate predatory lending; ensure equal access to financial services to all Americans. Eliminate disparities in credit reporting. Ease home mortgage foreclosure crisis. Eliminate pay day lending. Support capping all interest rates at 36% APR. Support a strong, responsive Consumer Financial Protection Bureau. Oppose "vulture funds". Support debt relief for poor nations, a.k.a. the Jubilee Act. Reform the mortgage servicers industry so that more loans are modified and fewer homes are foreclosed upon. Support reauthorization, modernization and expansion of the Community Reinvestment Act (CRA),. Support efforts to eliminate predatory loans. Oppose exploitative payday loans; Support 36% interest rate cap; . Oppose federal preemption of state consumer financial protection laws. Reform the mortgage servicers industry so that more loans are modified and fewer homes are foreclosed upon. Try to stop abusive credit card practices. Support allowing bankruptcy judges to require loan modifications on primary residence mortgages. Oppose exploitative payday lending. Support efforts to eliminate predatory lending. Support reauthorization, modernization and expansion of the Community Reinvestment Act (CRA). oppose the elimination of funding for HUD's housing counseling programs. Support financial literacy programs. Support a ban on the use of credit reports by potential employers. Support Dr. Elizabeth Warren to be the first Director of the Consumer Financial Protection Bureau. Oppose H.R. 839, terminating the HAMP program; oppose H.R. 861, terminating HUD's Neighborhood Stabilization Program; oppose H.R. 836, terminating HUD's emergency Mortgage Relief program; oppose H.R. 830, terminating the FHA Refinance Program. Support a strong Consumer Financial Protection Bureau, which begins its activities as soon as possible. Oppose H.R. 1121; oppose H.R. 1315; oppose legislation intended to delay regulatory authority of the CFPB until a Director is confirmed; oppose legislation removing the prudential regulators ability to allow the CFPB to participate in examinations of large financial institutions before the designated transfer date. Support pro-consumer changes to the GSEs (Fannie Mae and Freddie Mac). Oppose a piecemeal approach to reforming Fannie Mae and Freddie Mac ("the GSEs"). Support a comprehensive approach to housing finance reform that will further the federal governments housing policy objectives of promoting residential integration, eliminating housing discrimination, and providing safe, decent, and affordable housing for all. Express grave concerns about proposed rules for risk-based pricing rule. Strengthening the proposed rule for holding servicers accountable for illegal deeds. Oppose delaying regulations limiting fees charged to merchants by issuers of debit cards. Support a flexible and inclusive definition of "larger participants" by the Consumer Financial Protection Bureau (participated in a CFPB roundtable discussion on the issue). Express grave concerns about the promulgation of the Dodd-Frank Credit Score disclosure requirement. Support keeping responsible and affordable mortgage credit flowing to all neighborhoods and to all qualified borrowers, stopping wrongful foreclosures, and support the development of affordable rental homes close to good schools and quality jobs Support a more thorough investigation into the Capital One /ING merger. Support extending the public comment period on the merger as well as five public hearings around the country. Oppose potential employers reviewing a potential employees credit report / credit score prior to making any hiring decision. Support HR 321. Support sensible, non-exploitative mortgage lending. Adopt a qualified mortgage standard that will not shut out prospective minority homeowners. Support Richard Cordray to be Director of the Consumer Financial Protection Bureau. Contact the Federal Housing Finance Agency (and others) in support of risk retention as defined in the Dodd-Frank bill but opposed to a high downpayment to qualify for a Qualified Residential Mortgage (QRM). Contact the FHFA in support of a more robust federal response to the foreclosure crisis, including banning the two track system whereby homeowners facing foreclosure who are trying to modify their loan also find their foreclosure proceeding moving ahead. Outlaw Robosigning and remedy homeowners adversely affected by the practice, in which many servicers did not even read the foreclosure documents they were signing. Principal reductions should be provided in both the federal governments home loan modification programs and each financial institutions private loan modification programs. They should include heightened loss-mitigation standards. Finally, they should also include a forbearance program to help unemployed homeowners. Support strong action by the Consumer Financial Protection Bureau in protecting consumers from abusive checking account policies. Support allowing consumers to transfer banking accounts to a different institution with little or no monetary repercussion. Support HR 3077. Support Richard Cordray as Director of the Consumer Financial Protection Bureau (CFPB). Support significantly strengthening the Office of the Comptroller of the Currencys (OCC) proposed guidance on overdraft programs and deposit advance products in such a way that all customers receive the lowest cost credit for which they qualify, and national banks are encouraged to offer responsible overdraft and credit products. Support the Reed (RI) amendment to S. 1867 which closed a loophole allowing payday lenders to charge members of the military more than 36% for short-term loans. Supported the Consumer Financial Protection Bureau (CFPB) take strong steps to stop checking account abuses. Specifically, we asked that the CFPB: Require information on important checking account terms to be disclosed in a one-page Consumer Choice Box; Require complete disclosure of all overdraft options; Require reasonable and proportional overdraft fees; Require the posting of deposits and withdrawals in a neutral manner; and Examine the prevalence of dispute resolution clauses in checking account agreements and the existence of fee shifting provisions that require the accountholder to pay at least a portion of the banks costs when a dispute occurs. Support a two-month extension of the comment period to allow the Federal Reserve Board to hold a formal hearing and public meetings in at least five cities about Capital Ones proposed acquisition of Bank Nevada, N.A. Oppose H.R. 3035, the Mobile Informational Call Act of 2011. Support a study of the regulation of interchange fees but oppose a delay in the implementation of the Durbin amendment to Dodd-Frank.

Eliminate predatory lending; ensure equal access to financial services to all Americans. Eliminate disparities in credit reporting. Ease home mortgage foreclosure crisis. Eliminate pay day lending. Support capping all interest rates at 36% APR. Support a strong, responsive Consumer Financial Protection Bureau. Reform the mortgage servicers industry so that more loans are modified and fewer homes are foreclosed upon. Try to stop abusive credit card practices. Support allowing bankruptcy judges to require loan modifications on primary residence mortgages. Oppose exploitative payday lending. Support efforts to eliminate predatory lending. Support reauthorization, modernization and expansion of the Community Reinvestment Act (CRA). oppose the elimination of funding for HUD's housing counseling programs. Support financial literacy programs. Support a ban on the use of credit reports by potential employers. Support Dr. Elizabeth Warren to be the first Director of the Consumer Financial Protection Bureau. Oppose H.R. 839, terminating the HAMP program; oppose H.R. 861, terminating HUD's Neighborhood Stabilization Program; oppose H.R. 836, terminating HUD's emergency Mortgage Relief program; oppose H.R. 830, terminating the FHA Refinance Program. Support a strong Consumer Financial Protection Bureau, which begins its activities as soon as possible. Oppose H.R. 1121; oppose H.R. 1315; oppose legislation intended to delay regulatory authority of the CFPB until a Director is confirmed; oppose legislation removing the prudential regulators ability to allow the CFPB to participate in examinations of large financial institutions before the designated transfer date. Support pro-consumer changes to the GSEs (Fannie Mae and Freddie Mac). Oppose a piecemeal approach to reforming Fannie Mae and Freddie Mac ("the GSEs"). Support a comprehensive approach to housing finance reform that will further the federal governments housing policy objectives of promoting residential integration, eliminating housing discrimination, and providing safe, decent, and affordable housing for all. Oppose delaying regulations limiting fees charged to merchants by issuers of debit cards. Support a flexible and inclusive definition of "larger participants" by the Consumer Financial Protection Bureau (participated in a CFPB roundtable discussion on the issue). Express grave concerns about the promulgation of the Dodd-Frank Credit Score disclosure requirement. Oppose potential employers reviewing a potential employee's credit report or credit score prior to making a hiring decision. Support HR 321 Support strong action by the Consumer Financial Protection Bureau in protecting consumers from abusive checking account policies. Support allowing consumers to transfer banking accounts to a different institution with little or no monetary repercussion. Support HR 3077. Support Richard Cordray as Director of the Consumer Financial Protection Bureau (CFPB). Support significantly strengthening the Office of the Comptroller of the Currencys (OCC) proposed guidance on overdraft programs and deposit advance products in such a way that all customers receive the lowest cost credit for which they qualify, and national banks are encouraged to offer responsible overdraft and credit products. Support a study of the regulation of interchange fees but oppose a delay in the implementation of the Durbin amendment to Dodd-Frank. Support a strong settlement to the legal actions under discussion, and one that leaves open the path for further needed actions to hold lawbreakers accountable in the matter of the states Attorneys General and the Federal Government versus various financial institutions for breaking the law in terms of mortgages. Supported the Consumer Financial Protection Bureau (CFPB) take strong steps to stop checking account abuses. Specifically, we asked that the CFPB: Require information on important checking account terms to be disclosed in a one-page Consumer Choice Box; Require complete disclosure of all overdraft options; Require reasonable and proportional overdraft fees; Require the posting of deposits and withdrawals in a neutral manner; and Examine the prevalence of dispute resolution clauses in checking account agreements and the existence of fee shifting provisions that require the account holder to pay at least a portion of the banks costs when a dispute occurs. Support a two-month extension of the comment period to allow the Federal Reserve Board to hold a formal hearing and public meetings in at least five cities about Capital Ones proposed acquisition of Bank Nevada, N.A. Oppose H.R. 3035, the Mobile Informational Call Act of 2011

H.R. 1873/S. 987 - Arbitration Fairness Act, supported H.R. 1519/S. 797 - Paycheck Fairness Act "Protecting Older Workers Against Discrimination Act" H.R. 321, Equal Employment for All Act, supported H.R. 572, S. 2011 "Clean Ports Act of 2011" H.R. 1540, National Defense Authorization Act for FY 2012 H.R. 658 - FAA Air Transportation Modernization and Safety Improvement Act H.R. 2587 - Protecting Jobs From Government Interference Act S. 223, the FAA Air Transportation Modernization and Safety Improvement Act

Client expense: $268,293 · Firm income: Not reported

Government targets: Education, Dept of, Executive Office of the President (EOP), HOUSE OF REPRESENTATIVES, Justice, Dept of (DOJ), SENATE, Transportation, Dept of (DOT), Treasury, Dept of, Vice President of the U.S., White House Office

H.R. 321 All provisions

Client expense: Not reported · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HR 10 and S 299 all provisions; HR 321 all provisions; S. 1102 all provisions; Appropriations for the Election Assistance Commission.

Client expense: Not reported · Firm income: Not reported

HR 10 and S 299 all provisions; HR 321 all provisions; S. 1102 all provisions; Appropriations for the Election Assistance Commission.

Client expense: Not reported · Firm income: Not reported

HR 10 and S 299 all provisions; HR 321 all provisions; S. 1102 all provisions; Appropriations for the Election Assistance Commission.

Client expense: Not reported · Firm income: Not reported

HR 10 and S 299 all provisions; HR 321 all provisions; S. 1102 all provisions; Appropriations for the Election Assistance Commission.

Client expense: Not reported · Firm income: Not reported

H.R. 321 - Equal Employment for All Act (all provisions) H.R. 972 Secret Ballot Protection Act (all provisions) S. 217 Secret Ballot Protection Act (all provisions) S. 770 Payroll Fraud Prevention Act (all provisions) Amends the Fair Labor Standards Act to require employee and non-employee classification for all workers, and notification of classification status to workers. Amends employer penalties for non-compliance and authorizes the US Department of Labor to report noncompliance to the Internal Revenue Service. Contacted the House of Representatives, US department of Labor and the National Labor Relations Board regarding provisions of the National Labor Relations Act covering representation elections, collective bargaining, bargaining units, and reporting and notice requirements including proposed regulatory changes (NLRB 76 Fed. Register 36812, and DOL 76 Fed. Register 36178, and NLRB 76 Fed. Register 54006) H.R. 3487 Job Creation Act of 2011 - Title VII Secret Ballot Protection Act (all provisions) H.R. 3178 Employee Misclassification Prevention Act (all provisions) amends the Fair Labbor Standards Act to require recordkeeping for non-employee workers and to notify new employees and non-employee workers of their classification and legal rights. Sets employer penalties and federal agency requirments for communication and intra-governmental information sharing.

Client expense: $514,000 · Firm income: Not reported

H.R. 321 - Equal Employment For All Act H.R. 769 - Fair Access to Credit Scores Act of 2011

Client expense: Not reported · Firm income: $50,000

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE

Equal Employment for All Act H.R. 321

Client expense: $9,712 · Firm income: Not reported

Government targets: Education, Dept of, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Justice, Dept of (DOJ), SENATE, White House Office

Eliminate predatory lending; ensure equal access to financial services to all Americans. Eliminate disparities in credit reporting. Ease home mortgage foreclosure crisis. Eliminate pay day lending. Support capping all interest rates at 36% APR. Support a strong, responsive Consumer Financial Protection Bureau. Support a study of the regulation of interchange fees but oppose a delay in the implementation of the Durbin amendment to Dodd-Frank. Oppose "vulture funds". Support debt relief for poor nations, a.k.a. the Jubilee Act. Reform the mortgage servicers industry so that more loans are modified and fewer homes are foreclosed upon. Support reauthorization, modernization and expansion of the Community Reinvestment Act (CRA),. Support efforts to eliminate predatory loans. Oppose exploitative payday loans; Support 36% interest rate cap; . Oppose federal preemption of state consumer financial protection laws. Reform the mortgage servicers industry so that more loans are modified and fewer homes are foreclosed upon. Try to stop abusive credit card practices. Support allowing bankruptcy judges to require loan modifications on primary residence mortgages. Oppose exploitative payday lending. Support efforts to eliminate predatory lending. Support reauthorization, modernization and expansion of the Community Reinvestment Act (CRA). oppose the elimination of funding for HUD's housing counseling programs. Support financial literacy programs. Support a ban on the use of credit reports by potential employers. Support Dr. Elizabeth Warren to be the first Director of the Consumer Financial Protection Bureau. Oppose H.R. 839, terminating the HAMP program; oppose H.R. 861, terminating HUD's Neighborhood Stabilization Program; oppose H.R. 836, terminating HUD's emergency Mortgage Relief program; oppose H.R. 830, terminating the FHA Refinance Program. Support a strong Consumer Financial Protection Bureau, which begins its activities as soon as possible. Oppose H.R. 1121; oppose H.R. 1315; oppose legislation intended to delay regulatory authority of the CFPB until a Director is confirmed; oppose legislation removing the prudential regulators ability to allow the CFPB to participate in examinations of large financial institutions before the designated transfer date. Support pro-consumer changes to the GSEs (Fannie Mae and Freddie Mac). Oppose a piecemeal approach to reforming Fannie Mae and Freddie Mac ("the GSEs"). Support a comprehensive approach to housing finance reform that will further the federal governments housing policy objectives of promoting residential integration, eliminating housing discrimination, and providing safe, decent, and affordable housing for all. Express grave concerns about proposed rules for risk-based pricing rule. Strenghtneing the proposed rule for holding servicers accountable for illegal deeds. Oppose delaying regulations limiting fees charged to merchants by issuers of debit cards. Support a flexible and includive definition of "larger participants" by the Consumer Financial Protection Bureau (participated in a CFPB roudtable discussion on the issue). Express grave concerns about the promulgation of the Dodd-Frank Credit Score disclosure requirement. Support keeping responsible and affordable mortgage credit flowing to all neighborhoods and to all qualified borrowers, stopping wrongful foreclosures, and support the development of affordable rental homes close to good schools and quality jobs Support a more thorough investigation into the Capial One /ING merger. Support etxtending the public comment period on the merger as well as five public hearings around the country. Oppose potential employers reviewing a potential employees credit report / credit score prior to making any hiring decision. Support HR 321. Support sensible, non-exploitative mortgage lending. Adopt a qualified mortgage standard that wil not shut out prospective minority homeowners. Contact the Federal Housing Finance Agency (and others) in support of risk retention as defined in the Dodd-Frank bill but opposed to a high downpayment to qualify for a Qualified Residential Mortgage (QRM). Contact the FHFA in support of a more robust federal response to the foreclosure crisis, including banning the two track system whereby homeowners facing foreclsoure who are trying to modify their loan also find their foreclosure proceding moving ahead. Outlaw Robosigning and remedy homeowners adversely affected by the practice, in which many servicers did not even read the foreclosure documents they were signing. Principal reductions should be provided in both the federal governments home loan modification programs and each financial institutions private loan modification programs. They should include heightened loss-mitigation standards. Finally, they should also include a forbearance program to help unemployed homeowners. Support strong action by the Consumer Financial Protection Bureau in protecting consumers from abusive checking account policies. Support allowing consumers to transfer banking accounts to a different institution with little or no monetary repercussion. Suppport HR 3077. Support Richard Cordray as Diretor of the Consumer Financial Protection Bureau (CFPB). Support significantly strengthening the Office of the Comptroller of the Currencys (OCC) proposed guidance on overdraft programs and deposit advance products in such a way that all customers receive the lowest cost credit for which they qualify, and national banks are encouraged to offer responsible overdraft and credit products.

Eliminate predatory lending; ensure equal access to financial services to all Americans. Eliminate disparities in credit reporting. Ease home mortgage foreclosure crisis. Eliminate pay day lending. Support capping all interest rates at 36% APR. Support a strong, responsive Consumer Financial Protection Bureau. Support a study of the regulation of interchange fees but oppose a delay in the implementation of the Durbin amendment to Dodd-Frank. Reform the mortgage servicers industry so that more loans are modified and fewer homes are foreclosed upon. Try to stop abusive credit card practices. Support allowing bankruptcy judges to require loan modifications on primary residence mortgages. Oppose exploitative payday lending. Support efforts to eliminate predatory lending. Support reauthorization, modernization and expansion of the Community Reinvestment Act (CRA). oppose the elimination of funding for HUD's housing counseling programs. Support financial literacy programs. Support a ban on the use of credit reports by potential employers. Support Dr. Elizabeth Warren to be the first Director of the Consumer Financial Protection Bureau. Oppose H.R. 839, terminating the HAMP program; oppose H.R. 861, terminating HUD's Neighborhood Stabilization Program; oppose H.R. 836, terminating HUD's emergency Mortgage Relief program; oppose H.R. 830, terminating the FHA Refinance Program. Support a strong Consumer Financial Protection Bureau, which begins its activities as soon as possible. Oppose H.R. 1121; oppose H.R. 1315; oppose legislation intended to delay regulatory authority of the CFPB until a Director is confirmed; oppose legislation removing the prudential regulators ability to allow the CFPB to participate in examinations of large financial institutions before the designated transfer date. Support pro-consumer changes to the GSEs (Fannie Mae and Freddie Mac). Oppose a piecemeal approach to reforming Fannie Mae and Freddie Mac ("the GSEs"). Support a comprehensive approach to housing finance reform that will further the federal governments housing policy objectives of promoting residential integration, eliminating housing discrimination, and providing safe, decent, and affordable housing for all. Oppose delaying regulations limiting fees charged to merchants by issuers of debit cards. Support a flexible and includive definition of "larger participants" by the Consumer Financial Protection Bureau (participated in a CFPB roudtable discussion on the issue). Express grave concerns about the promulgation of the Dodd-Frank Credit Score disclosure requirement. Oppose potential employers reviewing a potential employee's credit report or credit score prior to making a hiring decision. Support HR 321 Support strong action by the Consumer Financail Protection Bureau in protecting consumers from abusive checking account policies. Support allowing consumers to transfer banking accounts to a different institution with little or no monetary repercussion. Suppport HR 3077. Support Richard Cordray as Diretor of the Consumer Financial Protection Bureau (CFPB). Support significantly strengthening the Office of the Comptroller of the Currencys (OCC) proposed guidance on overdraft programs and deposit advance products in such a way that all customers receive the lowest cost credit for which they qualify, and national banks are encouraged to offer responsible overdraft and credit products. Support a strong settlement to the legal actions under discussion, and one that leaves open the path for further needed actions to hold lawbreakers accountable in the matter of the states Attorneys General and the Federal Government versus various financial institutions for breaking the law in termsss of mortgages.