FHA Emergency Fiscal Solvency Act of 2012

H.R. 4264 FHA Fiscal Solvency Act of 2012 - FHA PremiumsS.3085 and S.3522 The Responsible Homeowner Refinancing Act of 2012 - MI PortabilityH.R. 6428 Responsible Homeowner Refinancing Act of 2012

Client expense: Not reported · Firm income: $100,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Administration and congressional proposals to restructure the GSEs and the Federal Housing Administration (FHA), including the following proposed legislation from the 112th Congress: H.R. 4264 and S. 3678, FHA Emergency Fiscal Solvency Act of 2012 - FHA premiums; and S. 3085 and S. 3522, Responsible Homeowners Refinancing Act of 2012 - MI portability.

Client expense: $410,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Administration and congressional proposals to restructure the GSEs and the Federal Housing Administration (FHA), including the following proposed legislation from the 112th Congress: H.R. 4264 and S. 3678, FHA Emergency Fiscal Solvency Act of 2012 - FHA premiums; and S. 3085 and S. 3522, Responsible Homeowners Refinancing Act of 2012 - MI portability.

Client expense: $410,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Administration and congressional proposals to restructure the GSEs and the Federal Housing Administration (FHA), including the following proposed legislation from the 112th Congress: H.R. 4264 and S. 3678, FHA Emergency Fiscal Solvency Act of 2012 - FHA premiums; and S. 3085 and S. 3522, Responsible Homeowners Refinancing Act of 2012 - MI portability

Client expense: Not reported · Firm income: $110,000

Government targets: HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE, Treasury, Dept of

Administration and congressional proposals to restructure the GSEs and the Federal Housing Administration (FHA), including the following proposed legislation from the 112th Congress: H.R. 4264 and S. 3678, FHA Emergency Fiscal Solvency Act of 2012 - FHA premiums; and S. 3085 and S. 3522, Responsible Homeowners Refinancing Act of 2012 - MI portability

Client expense: Not reported · Firm income: $110,000

Government targets: HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE, Treasury, Dept of

S. 782, Economic Development Revitalization Act of 2011. All Provisions. Amends the Public Works and Economic Development Act of 1965 to reauthorize that Act, and for other purposes. H.R. 1498, Prompt Decision for Qualification of Short Sale Act of 2011. All Provisions. Requires the lender or servicer of a home mortgage, upon a request by the homeowner for a short sale, to make a prompt decision whether to allow the sale.S. 170, The Helping Responsible Homeowners Act. All Provisions. Provides for the affordable refinancing of mortgages held by Fannie Mae and Freddie Mac. S. 489, Preserving Home and Communities Act of 2011. All Provisions. Requires certain mortgagees to evaluate loans for modifications, establishes a grant program for State and local government mediation programs, and other purposes. H.R. 1754, Preserving Equal Access to Mortgage Finance Programs Act. All Provisions. Permanently increases the conforming loan limits for the Federal Home Loan Mortgage Corporation and the Federal National Mortgage Association and the FHA maximum mortgage amount limitations. H.R. 1783, Foreclosure Fraud and Homeowner Abuse Prevention Act of 2011. All Provisions. Provides for enhanced mortgage-backed and asset-backed security investor protections, to prevent foreclosure fraud, and for other purposes. H.R. 2126, Risk Retention Modernization Act of 2011. All Provisions. Modernizes the Liability Risk Retention Act of 1986 and expand coverage to include commercial property insurance, and other purposes. H.R. 1223, GSE Credit Risk Equitable Treatment Act of 2011. All Provisions. Amends the Securities Exchange Act of 1934 to ensure mortgages held or securitized by Fannie Mae and Freddie Mac and asset-backed securities issued by such enterprises are treated similarly as other mortgages and asset-backed securities for purposes of the credit risk retention requirements under such Act. H.R. 839, HAMP Termination Act of 2011. All Provisions. Amends the Emergency Economic Stabilization Act of 2008 to terminate the authority of the Secretary of the Treasury to provide new assistance under the Home Affordable Modification Program, while preserving assistance to homeowners who were already extended an offer to participate in the Program, either on a trial or permanent basis. H.R. 830, FHA Refinance Program Termination Act. All Provisions. Rescinds the unobligated funding for the FHA Refinance Program and terminates the program. H.R. 1224, GSE Portfolio Risk Reduction Act of 2011. All Provisions. Increases the rate of the required annual reductions of the reatined portfolios of Fannie Mae & Freddie Mac. H.R. 1221, Equity in Government Compensation Act of 2011. All Provisions. Suspends the current compensation packages for the senior executives of Fannie Mae & Freddie Mac and establishes compensation for such positions in accordance with rates of pay for senior employees in the Executive Branch of the Federal Government, and for other purposes. H.R. 1222, GSE Subsidy Elimination Act of 2011. All Provisions. Increases the guarantee fees charged by Fannie Mae and Freddie Mac with respect to mortgage-backed securities guaranteed by such enterprises. H.R. 1226, GSE Improvement Act of 2011. All Provisions. Repeals the affordable housing goals for Fannie Mae and Freddie Mac. H.R. 31, Fannie Mae and Freddie Mac Accountability and Transparency for Taxpayers Act of 2011. All Provisions. Requires the Inspector General of the Federal Housing Finance Agency to submit quarterly reports to the Congress during the conservatorship of the Federal National Mortgage Association and the Federal Home Loan Mortgage Corporation. H.R. 1227, GSE Risk and Activities Limitation Act of 2011. All Provisions. Prohibits Fannie Mae and Freddie Mac from offering any new products during the term of any conservatorship or receivership of such enterprises H.R. 1225, GSE Debt Issuance Approval Act of 2011. Prohibits Fannie Mae and Freddie Mac from issuing any new debt without approval in advance by the Secretary of the Treasury. H.R. 1309, Flood Insurance Reform Act. All Provisions. Extends the authorization of the national flood insurance program, to achieve reforms to improve the financial integrity and stability of the program, and to increase the role of private markets in the management of flood insurance risk, and for other purposes. S. 489, Preserving Home and Communities Act of 2011. All Provisions. Requires certain mortgagees to evaluate loans for modifications, to establish a grant program for State and local government mediation programs, and for other purposes S. 170, The Helping Responsible Homeowners Act. All Provisions. Provides for the affordable refinancing of mortgages held by Fannie Mae and Freddie Mac. S. 222, Limiting Investor and Homeowner Loss in Foreclosure Act of 2010. All Provisions. Limits investor and homeowner losses in foreclosures, and for other purposes. S. 527, HAMP Termination Act of 2011. All Provisions. Amends the Emergency Economic Stabilization Act of 2008 to terminate the authority of the Secretary of the Treasury to provide new assistance under the Home Affordable Modification Program, while preserving assistance to homeowners who were already extended an offer to participate in the Program, either on a trial or permanent basis. HR 861, Neighborhood Stabilization Program Termination Act. Rescinds the third round of funding for the Neighborhood Stabilization Program and to terminate the program.S. 967, Regulation of Mortgage Servicing Act of 2011. All Provisions. Establishes clear regulatory standards for mortgage servicers, and for other purposes. H.R. 4323, Consumer Mortgage Choice Act. A bill to amend the Truth in Lending Act to improve upon the definitions provided for points and fees in connection with a mortgage transaction. H.R. 5972, Department of Housing and Urban Development Appropriations Act, 2013. A bill making appropriations for the Departments of Transportation, and Housing and Urban Development, and related agencies for the fiscal year ending September 30, 2013, and for other purposes. S.3085, Responsible Homeowners Refinancing Act of 2012. A bill to provide for the expansion of affordable refinancing of mortgages held by the Federal National Mortgage Association and the Federal Home Loan Mortgage Corporation. S. 3047, Expanding Refinancing Opportunities Act of 2012. A bill to encourage responsible homeowners to refinance mortgages, and for other purposes. H.R. 5973, Agriculture, Rural Development, Food and Drug Administration, and RElated Agencies Appropriations Act, 2013. A bill making appropriations for Agriculture, Rural Development, Food and Drug Administration, and Related Agencies programs for the fiscal year ending September 30, 2013, and for other purposes. H.R. 6397, Defending American Taxpayers from Abusive Government Takings Act of 2012. A bill to prohibit Fannie Mae and Freddie Mac from purchasing, the FHA from insuring, and the Department of Veterans Affairs from guaranteeing, making, or insuring, a mortgage that is secured by a residence or residential structure located in a county in which the State has used the power of eminent domain to take a residential mortgage. H.R. 4264, FHA Emergency Fiscal Solvency Act of 2012. A bill to help ensure the fiscal solvency of the FHA mortgage insurance programs of the Secretary of Housing and Urban Development, and for other purposes. H.R. 1077, Consumer Mortgage Choice Act: To amend the Truth in Lending Act to improve upon the definitions provided for points and fees in connection with a mortgage transaction.

Client expense: $730,000 · Firm income: Not reported

Government targets: Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE, Treasury, Dept of, White House Office

H.R.1223, GSE Credit Risk Equitable Treatment Act of 2011. All Provisions.Amends the Securities Exchange Act of 1934 to ensure mortgages held or securitized by Fannie Mae and Freddie Mac and asset-backed securities issued by such enterprises are treated similarly as other mortgages and asset-backed securities for purposes of the credit risk retention requirements under such Act.S. 222, Limiting Investor and Homeowner Loss in Foreclosure Act of 2010. All Provisions. Limits investor and homeowner losses in foreclosures, and other purposes. H.R.836, Emergency Mortgage Relief Program Termination Act. All Provisions. Rescinds the unobligated funding for the Emergency Mortgage Relief Program and terminates the program. H.R. 839, HAMP Termination Act of 2011. All Provisions. Amends the Emergency Economic Stabilization Act of 2008 to terminate the authority of the Secretary of the Treasury to provide new assistance under the Home Affordable Modification Program, while preserving assistance to homeowners who were already extended an offer to participate in the Program, either on a trial or permanent basis. H.R. 1225, GSE Debt Issuance Approval Act of 2011. All Provisions. Prohibits Fannie Mae and Freddie Mac from issuing any new debt without approval in advance by the Secretary of the Treasury. H.R. 1783, Foreclosure Fraud and Homeowner Abuse Prevention Act of 2011. All Provisions. Provides for enhanced mortgage-backed and asset-backed security investor protections, prevents foreclosure fraud, and for other purposes S. 967, Regulation of Mortgage Servicing Act of 2011. All Provisions. Establishes clear regulatory standards for mortgage servicers, and for other purposes. H.R. 1498, Prompt Decision for Qualification of Short Sale Act of 2011. All Provisions. Requires the lender or servicer of a home mortgage, upon a request by the homeowner for a short sale, to make a prompt decision whether to allow the sale. H.R. 1977, FHA Reform Act of 2011. All Provisions. Improves the financial safety and soundness of the FHA mortgage insurance program. H.R.1754, Preserving Equal Access to Mortgage Finance Programs Acts. All Provisions. Permanently increase the conforming loan limits for the Federal Home Loan Mortgage Corporation and the Federal National Mortgage Association and the FHA maximum mortgage amount limitations. H.R. 1223, GSE Credit Risk Equitable Treatment Act of 2011. All Provisions. Amends the Securities Exchange Act of 1934 to ensure mortgages held or securitized by Fannie Mae and Freddie Mac and asset-backed securities issued by such enterprises are treated similarly as other mortgages and asset-backed securities for purposes of the credit risk retention requirements under such Act. H.R. 2126, Risk and Retention Modernization Act of 2011. All Provisions. Modernizes the Liability Risk Retention Act of 1986 and expands coverage to include commercial property insurance, and for other purposes. S. 170, The Helping Responsible Homeowners Act. All Provisions. Provides for the affordable refinancing of mortgages held by Fannie Mae and Freddie Mac. H.R. 1309, Flood Insurance Reform Act of 2011. All Provisions. Extends the authorization of the national flood insurance program, achieve reforms to improve the financial integrity and stability of the program, and increase the role of private markets in the management of flood insurance risk, and for other purposes. S. 1284, All Provisions. Amends the National Floor Insurance Act of 1968 to require the Administrator of the Federal Emergency Management Agency to consider reconstruction and improvement of flood protection systems when establishing flood insurance rates. S. 967, Merkley Regulation of Mortgages Servicing Act of 2011. All Provisions. Establishes clear regulatory standards for mortgage servicers, and for other purposes. H.R. 1783, Foreclosure Fraud and Homeowner Abuse Prevention Act of 2011. All Provisions. Provides for enhanced mortgage-backed and asset-backed security investor protections, to prevent foreclosure fraud, and for other purposes. S.489, Preserving Homes and Communities Act of 2011. All Provisions. Requires certain mortgagees to evaluate loans for modifications, establishes a grant program for State and local government mediation programs, and for other purposes. H.R. 1498, Prompt Decision for Qualification of Short Sale Act of 2011. All Provisions. Requires the lender of a home mortgage, upon a request by the homeowner for a short sale, to make a prompt decision whether to allow the sale. H.R. 3849, Preserving Access to Manufactured Housing Act. All Provisions. Amends S.A.F.E. Mortgage Licensing Act of 2008 to provide an exception from the definition of loan originator for certain loans made with respect to manufactured homes, amends the Truth in Lending Act to modify the definition of a high-cost mortgage, and for other purposes. S.2072, Helping Homeowners Refinance Act. All Provisions. Discourages disincentives to the housing missions of government sponsored enterprises and requires consistent putback risks at the enterprises to assist homeowners.H.R. 4264, FHA Emergency Fiscal Solvency Act of 2012. All Provisions. Helps ensure the fiscal solvency of the FHA mortgage insurance programs of the Secretary of Housing and Urban Development, and for other purposes. S. 2120, Prompt Notifications of Short Sales Act. All Provisions. Requires the lender or servicer of a home mortgage upon a request by the homeowner for a short sale, to make a prompt decision whether to allow the sale. S. 2099, All Provisions. Amends the Federal Deposit Insurance Act with respect to information provided to the Bureau of Consumer Financial Protection. H.R. 4323, Consumer Mortgage Choice Act (Qualified Mortgage Bill). All Provisions. Amends the Truth in Lending Act to improve upon the definitions provided for points and fees in connection with a mortgage transaction. S. 1813, Transportation Research and Innovative Technology Act of 2012. All Provisions. Reauthorizes Federal-aid highway and highway safety construction programs, and for other purposes.

Client expense: $730,000 · Firm income: Not reported

Government targets: Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE, Treasury, Dept of, White House Office

H.R. 4264, the FHA Emergency Fiscal Solvency Act of 2012 H.R. 5817, the Eliminate Privacy Notice Confusion Act (all provisions)H.R. 6397, the Defending American Taxpayers From Abusive Government Takings Act of 2012 Administrations Mortgage Refinance Proposal (all provisions, including large-bank tax proposal)

Client expense: $2,110,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 463, the Fannie Mae and Freddie Mac Transparency Act of 2011 H.R. 830, the FHA Refinance Program Termination ActH.R. 836, the Emergency Mortgage Relief Program Termination Act H.R. 839, the HAMP Termination Act of 2011 H.R. 861, the NSP Termination Act H.R. 1182, the GSE Bailout Elimination and Taxpayer Protection Act H.R. 1221, the Equity in Government Compensation Act of 2011 (all provisions) H.R. 1222, the GSE Subsidy Elimination Act of 2011 (all provisions) H.R. 1224, the GSE Portfolio Risk Reduction Act of 2011 (all provisions) H.R. 1225, the GSE Debt Issuance Approval Act of 2011 (all provisions) H.R. 2436, the Fannie Mae and Freddie Mac Taxpayer Payback Act of 2011 H.R. 2439, the Removing GSEs Charters During Receivership Act of 2011 H.R. 2440, the Market Transparency and Taxpayer Protection Act of 2011 H.R. 2441, the Housing Trust Fund Elimination Act of 2011 H.R. 2446, the RESPA Home Warranty Clarification Act of 2011 H.R. 2462, the Cap the GSE Bailout Act of 2011 H.R. 4264, the FHA Emergency Fiscal Solvency Act of 2012 Administrations Mortgage Refinance Proposal (all provisions, including large-bank tax proposal)

Client expense: $2,500,000 · Firm income: Not reported

Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of, White House Office

Issues regarding Making Home Affordable Program; general issues regarding Mortgage lending and servicing; general GSE issues; HR 1859, Housing Finance Reform Act of 2011, all provisions; HR 3644, Private Mortgage Market Investment Act, all provisions; issues relating to OCC consent order and the Independent Foreclosure review process; CFPB proposed rule defining a Qualified Mortgage; S 2909, Rebuilding Equity Act of 2012, all provisions; S 3047, Expanding Refinancing Opportunities Act of 2012, all provisions; S 3085, Responsible Homeowner Refinancing Act of 2012, all provisions; HR 4264 FHA Emergency Fiscal Solvency Act of 2012, all provisions; S. 1997, FHA Bailout Protection Act, all provisions; S.Amdt.3216 to S.3254, National Defense Authorization Act for Fiscal Year 2013, relating to expansion of SCRA housing protections.

Client expense: $1,500,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Commodity Futures Trading Commission (CFTC), HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

HR 4264 & S3678 - FHA Emergency Fiscal Solvency Act QRM Rule Implementation BASEL III Inplementation

Client expense: Not reported · Firm income: $30,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Policy issues pertaining to mortgage insurance, government-sponsored entities, the housing finance market, foreclosure mitigation, FHA reform, including H.R. 4264 and S. 3678: refinancing proposals, including S. 3085, S. 3520, and S. 3047, and private mortgage insurance tax deduction, including P.L. 112-240, S. 3470, H.R. 1018 and H.R. 4290.

Client expense: Not reported · Firm income: $210,000

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

Policy issues pertaining to mortgage insurance, government-sponsored entities, the housing finance market, foreclosure mitigation, FHA reform, including H.R. 4264 and S. 3678: refinancing proposals, including S. 3085, S. 3520, and S. 3047, and private mortgage insurance tax deduction, including P.L. 112-240, S. 3470, H.R. 1018 and H.R. 4290.

Client expense: Not reported · Firm income: $210,000

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

Policy issues pertaining to mortgage insurance, government-sponsored entities, the housing finance market, foreclosure mitigation, FHA reform, including H.R. 4264 and S. 3678: refinancing proposals, including S. 3085, S. 3520, and S. 3047, and private mortgage insurance tax deduction, including P.L. 112-240, S. 3470, H.R. 1018 and H.R. 4290.

Client expense: Not reported · Firm income: $210,000

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

H.R. 4264 FHA Fiscal Solvency Act of 2012 - FHA PremiumsS.3085 and S.3522 The Responsible Homeowner Refinancing Act of 2012 - MI PortabilityH.R. 6428 Responsible Homeowner Refinancing Act of 2012

Client expense: Not reported · Firm income: $90,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 4264 FHA Emergency Fiscal Solvency Act of 2012 - FHA premiumsS.3678 FHA Emergency Fiscal Solvency Act of 2012S.3085 and S.3522 The Responsible Homeowner Refinancing Act of 2012 - MI portabilityH.R. 6428 Responsible Homeowner Refinancing Act of 2012

Client expense: Not reported · Firm income: $90,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R.1223, GSE Credit Risk Equitable Treatment Act of 2011. All Provisions.Amends the Securities Exchange Act of 1934 to ensure mortgages held or securitized by Fannie Mae and Freddie Mac and asset-backed securities issued by such enterprises are treated similarly as other mortgages and asset-backed securities for purposes of the credit risk retention requirements under such Act. S. 222, Limiting Investor and Homeowner Loss in Foreclosure Act of 2010. All Provisions. Limits investor and homeowner losses in foreclosures, and other purposes. H.R.836, Emergency Mortgage Relief Program Termination Act. All Provisions. Rescinds the unobligated funding for the Emergency Mortgage Relief Program and terminates the program. H.R. 839, HAMP Termination Act of 2011. All Provisions. Amends the Emergency Economic Stabilization Act of 2008 to terminate the authority of the Secretary of the Treasury to provide new assistance under the Home Affordable Modification Program, while preserving assistance to homeowners who were already extended an offer to participate in the Program, either on a trial or permanent basis. H.R. 1225, GSE Debt Issuance Approval Act of 2011. All Provisions. Prohibits Fannie Mae and Freddie Mac from issuing any new debt without approval in advance by the Secretary of the Treasury. H.R. 1783, Foreclosure Fraud and Homeowner Abuse Prevention Act of 2011. All Provisions. Provides for enhanced mortgage-backed and asset-backed security investor protections, prevents foreclosure fraud, and for other purposes S. 967, Regulation of Mortgage Servicing Act of 2011. All Provisions. Establishes clear regulatory standards for mortgage servicers, and for other purposes. H.R. 1498, Prompt Decision for Qualification of Short Sale Act of 2011. All Provisions. Requires the lender or servicer of a home mortgage, upon a request by the homeowner for a short sale, to make a prompt decision whether to allow the sale. H.R. 1977, FHA Reform Act of 2011. All Provisions. Improves the financial safety and soundness of the FHA mortgage insurance program. H.R.1754, Preserving Equal Access to Mortgage Finance Programs Acts. All Provisions. Permanently increase the conforming loan limits for the Federal Home Loan Mortgage Corporation and the Federal National Mortgage Association and the FHA maximum mortgage amount limitations. H.R. 1223, GSE Credit Risk Equitable Treatment Act of 2011. All Provisions. Amends the Securities Exchange Act of 1934 to ensure mortgages held or securitized by Fannie Mae and Freddie Mac and asset-backed securities issued by such enterprises are treated similarly as other mortgages and asset-backed securities for purposes of the credit risk retention requirements under such Act. H.R. 2126, Risk and Retention Modernization Act of 2011. All Provisions. Modernizes the Liability Risk Retention Act of 1986 and expands coverage to include commercial property insurance, and for other purposes. S. 170, The Helping Responsible Homeowners Act. All Provisions. Provides for the affordable refinancing of mortgages held by Fannie Mae and Freddie Mac. H.R. 1309, Flood Insurance Reform Act of 2011. All Provisions. Extends the authorization of the national flood insurance program, achieve reforms to improve the financial integrity and stability of the program, and increase the role of private markets in the management of flood insurance risk, and for other purposes. S. 1284, All Provisions. Amends the National Floor Insurance Act of 1968 to require the Administrator of the Federal Emergency Management Agency to consider reconstruction and improvement of flood protection systems when establishing flood insurance rates. S. 967, Merkley Regulation of Mortgages Servicing Act of 2011. All Provisions. Establishes clear regulatory standards for mortgage servicers, and for other purposes. H.R. 1783, Foreclosure Fraud and Homeowner Abuse Prevention Act of 2011. All Provisions. Provides for enhanced mortgage-backed and asset-backed security investor protections, to prevent foreclosure fraud, and for other purposes. S.489, Preserving Homes and Communities Act of 2011. All Provisions. Requires certain mortgagees to evaluate loans for modifications, establishes a grant program for State and local government mediation programs, and for other purposes. H.R. 1498, Prompt Decision for Qualification of Short Sale Act of 2011. All Provisions. Requires the lender of a home mortgage, upon a request by the homeowner for a short sale, to make a prompt decision whether to allow the sale. H.R. 3849, Preserving Access to Manufactured Housing Act. All Provisions. Amends S.A.F.E. Mortgage Licensing Act of 2008 to provide an exception from the definition of loan originator for certain loans made with respect to manufactured homes, amends the Truth in Lending Act to modify the definition of a high-cost mortgage, and for other purposes. S.2072, Helping Homeowners Refinance Act. All Provisions. Discourages disincentives to the housing missions of government sponsored enterprises and requires consistent putback risks at the enterprises to assist homeowners. H.R. 4264, FHA Emergency Fiscal Solvency Act of 2012. All Provisions. Helps ensure the fiscal solvency of the FHA mortgage insurance programs of the Secretary of Housing and Urban Development, and for other purposes. S. 2120, Prompt Notifications of Short Sales Act. All Provisions. Requires the lender or servicer of a home mortgage upon a request by the homeowner for a short sale, to make a prompt decision whether to allow the sale. S. 2099, All Provisions. Amends the Federal Deposit Insurance Act with respect to information provided to the Bureau of Consumer Financial Protection. H.R. 4323, Consumer Mortgage Choice Act (Qualified Mortgage Bill). All Provisions. Amends the Truth in Lending Act to improve upon the definitions provided for points and fees in connection with a mortgage transaction. S. 1813, Transportation Research and Innovative Technology Act of 2012. All Provisions. Reauthorizes Federal-aid highway and highway safety construction programs, and for other purposes.

Client expense: $665,400 · Firm income: Not reported

Government targets: Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE, Treasury, Dept of, White House Office

S. 782, Economic Development Revitalization Act of 2011. All Provisions. Amends the Public Works and Economic Development Act of 1965 to reauthorize that Act, and for other purposes. H.R. 1498, Prompt Decision for Qualification of Short Sale Act of 2011. All Provisions. Requires the lender or servicer of a home mortgage, upon a request by the homeowner for a short sale, to make a prompt decision whether to allow the sale. S. 170, The Helping Responsible Homeowners Act. All Provisions. Provides for the affordable refinancing of mortgages held by Fannie Mae and Freddie Mac. S. 489, Preserving Home and Communities Act of 2011. All Provisions. Requires certain mortgagees to evaluate loans for modifications, establishes a grant program for State and local government mediation programs, and other purposes. H.R. 1754, Preserving Equal Access to Mortgage Finance Programs Act. All Provisions. Permanently increases the conforming loan limits for the Federal Home Loan Mortgage Corporation and the Federal National Mortgage Association and the FHA maximum mortgage amount limitations. H.R. 1783, Foreclosure Fraud and Homeowner Abuse Prevention Act of 2011. All Provisions. Provides for enhanced mortgage-backed and asset-backed security investor protections, to prevent foreclosure fraud, and for other purposes. H.R. 2126, Risk Retention Modernization Act of 2011. All Provisions. Modernizes the Liability Risk Retention Act of 1986 and expand coverage to include commercial property insurance, and other purposes. H.R. 1223, GSE Credit Risk Equitable Treatment Act of 2011. All Provisions. Amends the Securities Exchange Act of 1934 to ensure mortgages held or securitized by Fannie Mae and Freddie Mac and asset-backed securities issued by such enterprises are treated similarly as other mortgages and asset-backed securities for purposes of the credit risk retention requirements under such Act. H.R. 839, HAMP Termination Act of 2011. All Provisions. Amends the Emergency Economic Stabilization Act of 2008 to terminate the authority of the Secretary of the Treasury to provide new assistance under the Home Affordable Modification Program, while preserving assistance to homeowners who were already extended an offer to participate in the Program, either on a trial or permanent basis. H.R. 830, FHA Refinance Program Termination Act. All Provisions. Rescinds the unobligated funding for the FHA Refinance Program and terminates the program. H.R. 1224, GSE Portfolio Risk Reduction Act of 2011. All Provisions. Increases the rate of the required annual reductions of the reatined portfolios of Fannie Mae & Freddie Mac. H.R. 1221, Equity in Government Compensation Act of 2011. All Provisions. Suspends the current compensation packages for the senior executives of Fannie Mae & Freddie Mac and establishes compensation for such positions in accordance with rates of pay for senior employees in the Executive Branch of the Federal Government, and for other purposes. H.R. 1222, GSE Subsidy Elimination Act of 2011. All Provisions. Increases the guarantee fees charged by Fannie Mae and Freddie Mac with respect to mortgage-backed securities guaranteed by such enterprises. H.R. 1226, GSE Improvement Act of 2011. All Provisions. Repeals the affordable housing goals for Fannie Mae and Freddie Mac. H.R. 31, Fannie Mae and Freddie Mac Accountability and Transparency for Taxpayers Act of 2011. All Provisions. Requires the Inspector General of the Federal Housing Finance Agency to submit quarterly reports to the Congress during the conservatorship of the Federal National Mortgage Association and the Federal Home Loan Mortgage Corporation. H.R. 1227, GSE Risk and Activities Limitation Act of 2011. All Provisions. Prohibits Fannie Mae and Freddie Mac from offering any new products during the term of any conservatorship or receivership of such enterprises H.R. 1225, GSE Debt Issuance Approval Act of 2011. Prohibits Fannie Mae and Freddie Mac from issuing any new debt without approval in advance by the Secretary of the Treasury. H.R. 1309, Flood Insurance Reform Act. All Provisions. Extends the authorization of the national flood insurance program, to achieve reforms to improve the financial integrity and stability of the program, and to increase the role of private markets in the management of flood insurance risk, and for other purposes. S. 489, Preserving Home and Communities Act of 2011. All Provisions. Requires certain mortgagees to evaluate loans for modifications, to establish a grant program for State and local government mediation programs, and for other purposes S. 170, The Helping Responsible Homeowners Act. All Provisions. Provides for the affordable refinancing of mortgages held by Fannie Mae and Freddie Mac. S. 222, Limiting Investor and Homeowner Loss in Foreclosure Act of 2010. All Provisions. Limits investor and homeowner losses in foreclosures, and for other purposes. S. 527, HAMP Termination Act of 2011. All Provisions. Amends the Emergency Economic Stabilization Act of 2008 to terminate the authority of the Secretary of the Treasury to provide new assistance under the Home Affordable Modification Program, while preserving assistance to homeowners who were already extended an offer to participate in the Program, either on a trial or permanent basis. HR 861, Neighborhood Stabilization Program Termination Act. Rescinds the third round of funding for the Neighborhood Stabilization Program and to terminate the program. S. 967, Regulation of Mortgage Servicing Act of 2011. All Provisions. Establishes clear regulatory standards for mortgage servicers, and for other purposes. H.R. 4323, Consumer Mortgage Choice Act. A bill to amend the Truth in Lending Act to improve upon the definitions provided for points and fees in connection with a mortgage transaction. H.R. 5972, Department of Housing and Urban Development Appropriations Act, 2013. A bill making appropriations for the Departments of Transportation, and Housing and Urban Development, and related agencies for the fiscal year ending September 30, 2013, and for other purposes. S.3085, Responsible Homeowners Refinancing Act of 2012. A bill to provide for the expansion of affordable refinancing of mortgages held by the Federal National Mortgage Association and the Federal Home Loan Mortgage Corporation. S. 3047, Expanding Refinancing Opportunities Act of 2012. A bill to encourage responsible homeowners to refinance mortgages, and for other purposes. H.R. 5973, Agriculture, Rural Development, Food and Drug Administration, and RElated Agencies Appropriations Act, 2013. A bill making appropriations for Agriculture, Rural Development, Food and Drug Administration, and Related Agencies programs for the fiscal year ending September 30, 2013, and for other purposes. H.R. 6397, Defending American Taxpayers from Abusive Government Takings Act of 2012. A bill to prohibit Fannie Mae and Freddie Mac from purchasing, the FHA from insuring, and the Department of Veterans Affairs from guaranteeing, making, or insuring, a mortgage that is secured by a residence or residential structure located in a county in which the State has used the power of eminent domain to take a residential mortgage. H.R. 4264, FHA Emergency Fiscal Solvency Act of 2012. A bill to help ensure the fiscal solvency of the FHA mortgage insurance programs of the Secretary of Housing and Urban Development, and for other purposes.

Client expense: $665,400 · Firm income: Not reported

Government targets: Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE, Treasury, Dept of, White House Office

H.R. 4264, FHA Emergency Fiscal Solvency Act of 2012, H.R. 2440, Market Transparency and Taxpayer Protection Act of 2011: policy issues relating to housing finance and real estate investment trusts.

Client expense: Not reported · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 4264, FHA Emergency Fiscal Solvency Act of 2012: implementation of Title VII of the Dodd-Frank Wall Street Reform and Consumer Protection Act, issues involving OTC derivatives.

Client expense: Not reported · Firm income: $80,000

Government targets: Commodity Futures Trading Commission (CFTC), HOUSE OF REPRESENTATIVES, SENATE, Securities & Exchange Commission (SEC)

Issues regarding Making Home Affordable Program; general issues regarding Mortgage lending and servicing; general GSE issues; HR 1859, Housing Finance Reform Act of 2011, all provisions; HR 3644, Private Mortgage Market Investment Act, all provisions; issues relating to OCC consent order and the Independent Foreclosure review process; CFPB proposed rule defining a Qualified Mortgage; S 2909, Rebuilding Equity Act of 2012, all provisions; S 3047, Expanding Refinancing Opportunities Act of 2012, all provisions; S 3085, Responsible Homeowner Refinancing Act of 2012, all provisions; HR 4264 FHA Emergency Fiscal Solvency Act of 2012, all provisions; S. 1997, FHA Bailout Protection Act, all provisions; S.Amdt.3216 to S.3254, National Defense Authorization Act for Fiscal Year 2013, relating to expansion of SCRA housing protections.

Client expense: $1,500,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Commodity Futures Trading Commission (CFTC), HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

H.R. 4264 FHA Fiscal Solvency Act of 2012 - FHA Premiums S. 3085 and S 3522 The Responsible Homeowner Refinancing Act of 2012 - MI Portability H.R. 6428 Responsible Homeowner Refinancing Act of 2012

Client expense: $340,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 4264 FHA Emergency Fiscal Solvency Act of 2012 - FHA premiums S.3678 FHA Emergency Fiscal Solvency Act of 2012 S. 3085 and S. 3522 The Responsible Homeowner Refinancing Act of 2012 - MI portability H.R. 6428 - Responsible Homeowner Refinancing Act of 2012

Client expense: $340,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Treatment of Prepaid FHA Loans S488 - Reduce Excessive Interest Payments (REIP) Act S782 - Economic Development Revitalization Act of 2011 FHA & GSE Loan Limits HR1754 - Preserving Equal Access to Mortgage Finance Programs Act Changes to FHA & GSE Loan Limits S1508 - Homeownership Affordability Act of 2011 HR2508 - A bill to extend through fiscal year 2013 the increase in the maximum original principal obligation of a mortgage that may be purchased by the Federal National Mortgage Association or the Federal Home Loan Mortgage Corporation, and for other purposes. HR2441 - Housing Trust Fund Elimination Act Enhancement, Enforcement and Oversight of FHA, Changes to Loan Limits HR1977 - FHA Reform Act of 2011 FHA HR4264 - FHA Emergency Fiscal Solvency Act of 2012 HR881 - The Americans with Disabilities Act Notification Act of 2011 HR4172 - Second Chance at Home Ownership Act of 2012 Rural Housing Programs S878 - Rural Housing Preservation Act of 2011 HR273 - Rural Housing Preservation Act of 2011 HR2761 - A bill to amend section 520 of the Housing Act of 1949 to provide flexibility to the definition of rural areas HR5973 - Agriculture, Rural Development, Food and Drug Administration, and Related Agencies Appropriations Act, 2013 S3240 - Agriculture Reform, Food, and Jobs Act of 2012 S3541 - A bill to amend section 520 of the Housing Act of 1949 to revise the census data and population requirements for areas to be considered as rural areas for purposes of such act. Changes to the Truth in Lending Act HR4323 - Consumer Mortgage Choice Act Veterans Housing Programs HR4482 - To amend title 38, United States Code, to make permanent home loan guaranty programs for veterans regarding adjustable rate mortgages and hybrid adjustable rate mortgages. Housing Counseling and Education HR5884 - Homeownership Preservation Education Act of 2012 American Community Survey (Census) HR5326 - FY 2013 Commerce, Justice, Science Appropriations bill Discussions with the Department of Agriculture on rural housing loans. Discussions with the U.S. Department of Veterans Affairs (VA) on VA home loans. Discussions withe the Department of Housing and Urban Development (HUD) on the Fair Housing Act (FHA). Discussions with the Environmental Protection Agency regarding lead paint. Conversations with the Federal Trade Commission (FTC) on mortgage assistance relief services.

Client expense: $15,440,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Army, Dept of (Corps of Engineers), Commerce, Dept of (DOC), Energy, Dept of, Environmental Protection Agency (EPA), Federal Accounting Standards Advisory Board (FASAB), 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), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Interior, Dept of (DOI), Natl Economic Council (NEC), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, Veterans Affairs, Dept of (VA), White House Office

H.R. 4264, FHA Emergency Fiscal Solvency Act of 2012 - FHA premiums; S. 3085, S. 3522 and H.R. 6428, The Responsible Homeowner Refinancing Act of 2012 - MI portability; S. 3678, FHA Fiscal Solvency Act of 2012

Client expense: Not reported · Firm income: $120,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 4264, FHA Emergency Fiscal Solvency Act of 2012 - FHA premiums; S. 3085, S. 3522 and H.R. 6428, The Responsible Homeowner Refinancing Act of 2012 - MI portability

Client expense: Not reported · Firm income: $120,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

AD&C draft legislation, GSE reform, H.R. 1755, FHA reform, Affordable housing reform, H.R.4271 and S.1925: The Violence Against Women Act, S. 2078, S. 2160, H.R. 3461, H.R. 273, Senate Farm Bill, H.R. 6416, S. 3541, S. 3678 and H.R. 4264: the FHA Emergency Fiscal Solvency Act.

Client expense: $540,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Commerce, Dept of (DOC), Consumer Product Safety Commission (CPSC), Defense, Dept of (DOD), Energy, Dept of, Environmental Protection Agency (EPA), Federal Emergency Management Agency (FEMA), General Services Administration (GSA), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Interior, Dept of (DOI), Labor, Dept of (DOL), Occupational Safety & Health Administration (OSHA), SENATE, Small Business Administration (SBA), Treasury, Dept of, U.S. Trade Representative (USTR), White House Office

AD&C lending, flood insurance, HR 1182: GSE Bailout Elimination and Taxpayer Protection Act, HR 4271 and S. 1925: Violence Against Women Act, Affordable housing reform, FHA reform, H.R.1755/H.R. 2078: Home Construction Lending Regulatory Improvement Act of 2011, H.R. 3461: Financial Institutions Examination Fairness and Reform Act, FHA loan limits, GSE reform, S.2091, H.R. 1309, S. 1940, S. 3240: Farm Bill, H.R. 273, H.R. 6416, S. 3541, HR 4264, S. 3678

Client expense: $540,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Commerce, Dept of (DOC), Consumer Product Safety Commission (CPSC), Defense, Dept of (DOD), Energy, Dept of, Environmental Protection Agency (EPA), Federal Emergency Management Agency (FEMA), General Services Administration (GSA), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Interior, Dept of (DOI), Labor, Dept of (DOL), Occupational Safety & Health Administration (OSHA), SENATE, Small Business Administration (SBA), Treasury, Dept of, U.S. Trade Representative (USTR), White House Office

PL111-203 Dodd Frank Wall Street Reform and Consumer Protection Act; specifically credit risk retention, systemic risk regulation, the Federal Insurance Office and derivatives regulation Administration Report to Congress: Reforming America's Housing Finance Market HR1222 GSE Subsidy Elimination Act HR1223 GSE Credit Risk and Equitable Treatment Act HR1224 GSE Portfolio Reduction Act HR1227 GSE Risk and Activities Limitation Act S693 GSE Bailout Elimination and Taxpayer Protection Act S712 Financial Takeover Repeal Act of 2011 HR 2441 Housing Trust Fund Elimination Act HR 463 Fannie Mae and Freddie Mac Transparency Act of 2011 HR 2436 Fannie Mae and Freddie Mac Taxpayer Payback Act of 2011 HR 2439 Removing GSEs Charter During Receivership Act of 2011 HR 2462 Cap the GSE Bailout Act of 2011 HR 2440 Market Transparency and Taxpayer Protection Act of 2011 FHA Reform FHA Loan Limits Fair Credit Reporting Act HR1963 Mortgage Finance Act of 2011 S1834 Residential Mortgage Privatization and Standardization Act of 2011 HR772 Extended Tax Relief for All Act of 2011 HR3630 Temporary Payroll Tax Cut Continuation Act of 2011 HR3743 Temporary Payroll Tax Cut Continuation Act of 2011 HR1018 To amend the Internal Revenue Code of 1986, to make permanant the deduction for mortgage insurance premiums HR4264 FHA Emergency Fiscal Solvency Act of 2012 S3085 Responsible Homeowner Refinancing Act of 2012

Client expense: $1,020,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), SENATE, Treasury, Dept of

H.R. 4264, the FHA Emergency Fiscal Solvency Act of 2012 H.R. 5817, the Eliminate Privacy Notice Confusion Act (all provisions) H.R. 6397, the Defending American Taxpayers From Abusive Government Takings Act of 2012 Administrations Mortgage Refinance Proposal (all provisions, including large-bank tax proposal)

Client expense: $2,110,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Legislation: Regulatory environment affecting banks, including community banks; Debit Card Interchange Fee legislation (S.575, H.R.1081, H.R.3156); GSE legislation (H.R.1182, H.R.31, H.R.1221, H.R.1222,H.R.1223, H.R.1224, H.R.1225, H.R.1226, H.R.1227, H.R.2436, H.R.2441, H.R.2440, H.R.2462, H.R.463, H.R.2439); Mortgage Foreclosure Relief legislation (H.R.830, H.R.836, H.R.839, H.R.861) ; (Continued on next page) Legislation (cont'd.): Credit Union business lending (S.509, H.R.1418, S.2231); Internet Gambling Regulation (H.R.1174); Consumer Financial Protection Bureau Governance (H.R.1121, H.R.1315). Small Business Lending (S.493), Bankruptcy Legislation (S.222), National Flood Insurance Reform (H.R.1309, H.R.5740), Business Activity Tax Simplification Act (H.R. 1439), Executive Compensation (H.R. 1062), Covered Bonds (H.R.940), Patent Reform (H.R.1249), CFPB Appropriations Legislation. Information Security/Privacy (H.R.2577, H.R.3035, S.1151, S.1408, S.1434, S.1535), Deficit Reduction, American Jobs Act, Regulatory Freeze for Jobs Act (H.R.4078), Appropriation Legislation, Patent Office Reform (H.R.1249). Fannie Mae/Freddie Mac/FHA Fees (H.R. 3765); Flood Insurance Reform & Extension (H.R.2608, HJ Res. 94, HJ Res. 95, H.R.2055, H.R.3671, S.1958); Bank & Corporate Governance (H.R. 1965, S.556, S.1941,H.R.2940, H.R.2930); SEC Registration Threshold (H.R.2167, HR.1070); Sarbanes-Oxley Auditor Requirements (H.R.3213); Restoration of Fannie Mae/Freddie Mac/FHA Higher Loan Limits (Amendment to Ag Appropriations bill); Bank Examination Fairness (H.R.3461,S.2160); Bank Failure Study Legislation (H.R.2056); Federal Tax on Larger Financial Institutions; Credit Union Capital (H.R.3993); Amendment on non-resident alien interest reporting; The JOBS Act - H.R.3606; Municipal Advisor Exemption - H.R.2827; CFPB Confidential Information Protection - H.R.4014; ATM Signage (H.R.4367, S.3204); Transportation; Treasury; Student Loan Appropriations (H.R.4348); Heightened Regulatory Capital Requirements, including the Collins amendment (H.R.3128); protection of privileged information provided to CFPB (S.3204); Mutual mortgage insurance fund (H.R.4264); definition of municipal advisor (H.R.2827); loan guarantees & eminent domain (H.R.6397); TAG extension bill (S.3637); Annual Privacy Notice requirement limits (H.R.5817); CFPB privileged information (H.R. 4014); ATM placard requirements (H.R. 4367). Regulation: Fed. Reg. B (Equal Credit Opportunity) Rules, Fed and FDIC Orderly Resolution Regulations for Systemically Significant Companies, Fin CEN Bank Secrecy Act reporting requirements, General Obligation Bonds, Thrift institution regulation and reporting transfer to OCC and Fed, FASB Auditor Independence Rules, OCC Guidance on Deposit-Related Consumer Credit Products, Fed, FDIC and OCC Retail Foreign Exchange Rules, Regulation Q, Fed and FTC Credit Score Disclosure Rules, OCC Foreclosure Guidance. FDIC Assessment, Base & Rate Regulation; Registration of Mortgage Loan Originators; Federal Reserve Regulation II - debit card interchange fee regulation; SEC registration of municipal advisor regulation; FDIC Interest on Lawyer Account deposit insurance coverage regulation; FASB Mark to Market Accounting; shareholder executive compensation rules; FASB lease accounting rules; FASB impairment of financial asset rules; mortgage disclosure regulation; regulatory burden relief; federal garnishment rules; Federal Home Loan Bank system membership; Credit Card Act implementation; Regulation Z (Truth-in-Lending) amendments; Payment Settlement Entity Reporting; Interest on Non-Resident Alien Account Reporting; Credit Risk Retention Regulation. FDIC and OCC Overdraft and Bank Product Guidance, Repeal of Reg. Q, FHFA Rules on purchase of housing cooperative loans, IRS Guidance on Trust Commissions, Fed Savings and Loan Holding Company Regulation, Fed Remittance Transfer Proposal, National bank preemption, Risk-based capital requirements, CFPB Regulations. Home Mortgage Disclosure Act Reporting of Assignments in lieu of Mortgage Discharge (Reg C); Restrictions on Bank Proprietary Trading (Volcker Rule); Acquisitions of non-systemically significant financial institutions; Flood Insurance Guidance; Treasury Home Affordable Refinance Program; Examiner Treatment of New York State and Local Government Securities; CFPB Credit Card Disclosures; CFPB Deposit Account Disclosures; CFPB Mortgage Disclosures; Enhanced Regulation of large bank holding companies and non-bank firms. Patent and Trademark Reform Regulatory Implementation; Regulations Implementing the Dodd-Frank Act; Stress Test Regulations; Allowance for Loan and Lease Losses (ALLL); Servicing and Foreclosure Guidance and Regulations; Home Loan Bank Member Supervision; CFPB Streamlined Regulations Project; CFPB Regulations on Privileged Information; Qualified Mortgage Safe Harbor; Extension of the TAG Program; Regulations implementing higher capital standards including the market risk capital final rule and 3 proposed rules under Basel III; CFPB proposed regulations on "high cost" mortgage definition; CFPB final and proposed rules on swaps; Federal Reserve rule on fraud prevention adjustments for debit card issuers; CFPB mortgage servicing rules and appraisal requirement rules; CFPB mortgage loan option rule; CFPB proposal on telephone surveys for short-form credit card agreements; OCC rule on the short-term investment fund (STIF); Financial Crimes Enforcement Network advisory on Suspicious Activity Reports; federal regulators guidance on natural disasters; FSOC proposals on Money Market Mutual Funds; CFPB procedures for examiners regarding student lending.

Client expense: $40,000 · Firm income: Not reported

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Natl Credit Union Administration (NCUA), Office of the Comptroller of the Currency (OCC), Patent & Trademark Office (PTO), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of

Long term health care, tax reform, mortgage insurance, housing and extension of mortgage insureance deductibility. Implementation of Dodd-Frank as it pertains to mortgage service providers. Implementation of the Budget Control Act. H.R. 3630, Temporary Payroll Tax Cut Continuation Act of 2011. H.R. 4264, The FHA Emergency Fiscal Solvency Act of 2012, S. 3085 Responsible Homeowner Refinancing Act.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Long term health care, tax reform, mortgage insurance, housing and extension of mortgage insureance deductibility. Implementation of Dodd-Frank as it pertains to mortgage service providers. Implementation of the Budget Control Act. H.R. 3630, Temporary Payroll Tax Cut Continuation Act of 2011. H.R. 4264, The FHA Emergency Fiscal Solvency Act of 2012, S. 3085 Responsible Homeowner Refinancing Act.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Long term health care, tax reform, mortgage insurance, housing and extension of mortgage insureance deductibility. Implementation of Dodd-Frank as it pertains to mortgage service providers. Implementation of the Budget Control Act. H.R. 3630, Temporary Payroll Tax Cut Continuation Act of 2011. H.R. 4264, The FHA Emergency Fiscal Solvency Act of 2012, S. 3085 Responsible Homeowner Refinancing Act.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Long term health care, tax reform, mortgage insurance, housing and extension of mortgage insureance deductibility. Implementation of Dodd-Frank as it pertains to mortgage service providers. Implementation of the Budget Control Act. H.R. 3630, Temporary Payroll Tax Cut Continuation Act of 2011. H.R. 4264, The FHA Emergency Fiscal Solvency Act of 2012, S. 3085 Responsible Homeowner Refinancing Act.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Long term health care, tax reform, mortgage insurance, housing and extension of mortgage insureance deductibility. Implementation of Dodd-Frank as it pertains to mortgage service providers. Implementation of the Budget Control Act. H.R. 3630, Temporary Payroll Tax Cut Continuation Act of 2011. H.R. 4264, The FHA Emergency Fiscal Solvency Act of 2012, S. 3085 Responsible Homeowner Refinancing Act.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Long term health care, tax reform, mortgage insurance, housing and extension of mortgage insureance deductibility. Implementation of Dodd-Frank as it pertains to mortgage service providers. Implementation of the Budget Control Act. H.R. 3630, Temporary Payroll Tax Cut Continuation Act of 2011. H.R. 4264, The FHA Emergency Fiscal Solvency Act of 2012, S. 3085 Responsible Homeowner Refinancing Act.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Long term health care, tax reform, mortgage insurance, housing and extension of mortgage insureance deductibility. Implementation of Dodd-Frank as it pertains to mortgage service providers. Implementation of the Budget Control Act. H.R. 3630, Temporary Payroll Tax Cut Continuation Act of 2011. H.R. 4264, The FHA Emergency Fiscal Solvency Act of 2012, S. 3085 Responsible Homeowner Refinancing Act.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Long term health care, tax reform, mortgage insurance, housing and extension of mortgage insureance deductibility. Implementation of Dodd-Frank as it pertains to mortgage service providers. Implementation of the Budget Control Act. H.R. 3630, Temporary Payroll Tax Cut Continuation Act of 2011. H.R. 4264, The FHA Emergency Fiscal Solvency Act of 2012, S. 3085 Responsible Homeowner Refinancing Act.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Implementation of the "Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010," including the securitization risk retention provisions. Modification of mortgages, including S 3085, the "Responsible Homeowners Refinancing Act of 2012." Operation of Federal Housing Administration, including HR 4264, the "FHA Emergency Fiscal Solvency Act of 2012," and S 3678, the "FHA Emergency Fiscal Solvency Act of 2012."

Client expense: Not reported · Firm income: $30,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Implementation of the "Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010," including the securitization risk retention provisions. Modification of mortgages, including S 3085, the "Responsible Homeowners Refinancing Act of 2012." Operation of Federal Housing Administration, including HR 4264, the "FHA Emergency Fiscal Solvency Act of 2012," and S 3678, the "FHA Emergency Fiscal Solvency Act of 2012."

Client expense: Not reported · Firm income: $30,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Legislation: Regulatory environment affecting banks, including community banks; Debit Card Interchange Fee legislation (S.575, H.R.1081, H.R.3156); GSE legislation (H.R.1182, H.R.31, H.R.1221, H.R.1222,H.R.1223, H.R.1224, H.R.1225, H.R.1226, H.R.1227, H.R.2436, H.R.2441, H.R.2440, H.R.2462, H.R.463, H.R.2439); Mortgage Foreclosure Relief legislation (H.R.830, H.R.836, H.R.839, H.R.861) ; (Continued on next page) Legislation (cont'd.): Credit Union business lending (S.509, H.R.1418, S.2231); Internet Gambling Regulation (H.R.1174); Consumer Financial Protection Bureau Governance (H.R.1121, H.R.1315). Small Business Lending (S.493), Bankruptcy Legislation (S.222), National Flood Insurance Reform (H.R.1309, H.R.5740), Business Activity Tax Simplification Act (H.R. 1439), Executive Compensation (H.R. 1062), Covered Bonds (H.R.940), Patent Reform (H.R.1249), CFPB Appropriations Legislation. Information Security/Privacy (H.R.2577, H.R.3035, S.1151, S.1408, S.1434, S.1535), Deficit Reduction, American Jobs Act, Regulatory Freeze for Jobs Act (H.R.4078), Appropriation Legislation, Patent Office Reform (H.R.1249). Fannie Mae/Freddie Mac/FHA Fees (H.R. 3765); Flood Insurance Reform & Extension (H.R.2608, HJ Res. 94, HJ Res. 95, H.R.2055, H.R.3671, S.1958); Bank & Corporate Governance (H.R. 1965, S.556, S.1941,H.R.2940, H.R.2930); SEC Registration Threshold (H.R.2167, HR.1070); Sarbanes-Oxley Auditor Requirements (H.R.3213); Restoration of Fannie Mae/Freddie Mac/FHA Higher Loan Limits (Amendment to Ag Appropriations bill); Bank Examination Fairness (H.R.3461,S.2160); Bank Failure Study Legislation (H.R.2056); Federal Tax on Larger Financial Institutions; Credit Union Capital (H.R.3993); Amendment on non-resident alien interest reporting; The JOBS Act - H.R.3606; Municipal Advisor Exemption - H.R.2827; CFPB Confidential Information Protection - H.R.4014; ATM Signage (H.R.4367, S.3204); Transportation; Treasury; Student Loan Appropriations (H.R.4348); Heightened Regulatory Capital Requirements, including the Collins amendment (H.R.3128); protection of privileged information provided to CFPB (S.3204); Mutual mortgage insurance fund (H.R.4264); definition of municipal advisor (H.R.2827); loan guarantees & eminent domain (H.R.6397). Regulation: Fed. Reg. B (Equal Credit Opportunity) Rules, Fed and FDIC Orderly Resolution Regulations for Systemically Significant Companies, Fin CEN Bank Secrecy Act reporting requirements, General Obligation Bonds, Thrift institution regulation and reporting transfer to OCC and Fed, FASB Auditor Independence Rules, OCC Guidance on Deposit-Related Consumer Credit Products, Fed, FDIC and OCC Retail Foreign Exchange Rules, Regulation Q, Fed and FTC Credit Score Disclosure Rules, OCC Foreclosure Guidance. FDIC Assessment, Base & Rate Regulation; Registration of Mortgage Loan Originators; Federal Reserve Regulation II - debit card interchange fee regulation; SEC registration of municipal advisor regulation; FDIC Interest on Lawyer Account deposit insurance coverage regulation; FASB Mark to Market Accounting; shareholder executive compensation rules; FASB lease accounting rules; FASB impairment of financial asset rules; mortgage disclosure regulation; regulatory burden relief; federal garnishment rules; Federal Home Loan Bank system membership; Credit Card Act implementation; Regulation Z (Truth-in-Lending) amendments; Payment Settlement Entity Reporting; Interest on Non-Resident Alien Account Reporting; Credit Risk Retention Regulation. FDIC and OCC Overdraft and Bank Product Guidance, Repeal of Reg. Q, FHFA Rules on purchase of housing cooperative loans, IRS Guidance on Trust Commissions, Fed Savings and Loan Holding Company Regulation, Fed Remittance Transfer Proposal, National bank preemption, Risk-based capital requirements, CFPB Regulations. Home Mortgage Disclosure Act Reporting of Assignments in lieu of Mortgage Discharge (Reg C); Restrictions on Bank Proprietary Trading (Volcker Rule); Acquisitions of non-systemically significant financial institutions; Flood Insurance Guidance; Treasury Home Affordable Refinance Program; Examiner Treatment of New York State and Local Government Securities; CFPB Credit Card Disclosures; CFPB Deposit Account Disclosures; CFPB Mortgage Disclosures; Enhanced Regulation of large bank holding companies and non-bank firms. Patent and Trademark Reform Regulatory Implementation; Regulations Implementing the Dodd-Frank Act; Stress Test Regulations; Allowance for Loan and Lease Losses (ALLL); Servicing and Foreclosure Guidance and Regulations; Home Loan Bank Member Supervision; CFPB Streamlined Regulations Project; CFPB Regulations on Privileged Information; Qualified Mortgage Safe Harbor; Extension of the TAG Program; Regulations implementing higher capital standards including the market risk capital final rule and 3 proposed rules under Basel III; CFPB proposed regulations on "high cost" mortgage definition; CFPB final and proposed rules on swaps; Federal Reserve rule on fraud prevention adjustments for debit card issuers; CFPB mortgage servicing rules and appraisal requirement rules; CFPB mortgage loan option rule; CFPB proposal on telephone surveys for short-form credit card agreements.

Client expense: $40,000 · Firm income: Not reported

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Natl Credit Union Administration (NCUA), Office of the Comptroller of the Currency (OCC), Patent & Trademark Office (PTO), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of

H.R. 463, the Fannie Mae and Freddie Mac Transparency Act of 2011 H.R. 1182, the GSE Bailout Elimination and Taxpayer Protection ActH.R. 1221, the Equity in Government Compensation Act of 2011 (all provisions) H.R. 4264, the FHA Emergency Fiscal Solvency Act of 2012 H.R. 5817, the Eliminate Privacy Notice Confusion Act (all provisions) H.R. 6397, the Defending American Taxpayers From Abusive Government Takings Act of 2012 Administrations Mortgage Refinance Proposal (all provisions, including large-bank tax proposal)

Client expense: $1,650,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S. 1834, Residential Mortgage Market Privatization Standardization Act of 2011, all provions; issues regarding Making Home Affordable Program; general issues regarding Mortgage lending and servicing; general GSE issues; HR 1859, Housing Finance Reform Act of 2011, all provisions; HR 3644, Private Mortgage Market Investment Act, all provisions; issues relating to OCC consent order and the Independent Foreclosure review process; issues pertaining to lender placed insurance; CFPB proposed rule defining a Qualified Mortgage; S 2909, Rebuilding Equity Act of 2012, all provisions; S 3047, Expanding Refinancing Opportunities Act of 2012, all provisions; S 3085, Responsible Homeowner Refinancing Act of 2012, all provisions; HR 4264 FHA Emergency Fiscal Solvency Act of 2012, all provisions.

Client expense: $1,500,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Commodity Futures Trading Commission (CFTC), HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of