Consumer Mortgage Choice Act

Public Law 111-203: Dodd-Frank Wall Street Reform and Consumer Protection Act (qualified mortgages and qualified residential mortgages) S. 1737 - Sensible Accounting to Value Energy Act of 2011; Issues: Housing market reform issues (foreclosure policy, GSE reform, interest rates, conforming loan limit, jumbo loans, home mortgage interest deduction tax credit)H.R. 4323, the Consumer Mortgage Choice Act (affiliated companies); S. 3522, The Responsible Homeowner Refinancing Act of 2012 (entire bill)

Client expense: $840,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Army, Dept of (Corps of Engineers), Commodity Futures Trading Commission (CFTC), Council on Environmental Quality (CEQ), Defense, Dept of (DOD), Energy, Dept of, Environmental Protection Agency (EPA), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, General Services Administration (GSA), HOUSE OF REPRESENTATIVES, Interior, Dept of (DOI), Labor, Dept of (DOL), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of, U.S. Fish & Wildlife Service (USFWS), U.S. Forest Service

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

Please see addendum. H.R. 31-Fannie Mae and Freddie Mac Accountability and Transparency for Taxpayers Act, all provisions H.R. 463, Fannie Mae and Freddie Mac Transparency Act, all provisions H.R. 1081, Consumer Payment System Payments Act, all provisions H.R. 1121-Responsible Consumer Financial Protection Regulations Act of 2011, all provisions H.R. 1174, Internet Gambling Regulation, Consumer Protection, and Enforcement Act. H.R. 1221-Equity in Government Compensation Act of 2011, all provisions H.R. 1222-GSE Subsidy Elimination Act of 2011, all provisions H.R. 1223, GSE Credit Rish Equitable Treatment Act, all provisions H.R. 1224-Portfolio Risk Reduction Act of 2011, all provisions H.R. 1225-GSE Debt Issuance Approval Act of 2011, all provisions H.R. 1226-GSE Mission Improvement Act of 2011, all provisions H.R. 1227-GSE Risk and Activities Limitation Act of 2011, all provisions H.R. 1309-Flood Insurance Reform Act, all provisions H.R. 1315-Consumer Financial Protection Safety and Soundness Improvement Act of 2011, all provisons H.R. 1418-Small Business Lending Enhancement Act, all provisions H.R. 1667, Bureau of Consumer Financial Protection Transfer Clarification Act, all provisions H.R. 1697, Communities First Act, all provisions H.R. 1723, the Common Sense Economic Recovery Act, all provisions H.R. 1754, Preserving Equal Access to Mortgage Finance Programs, all provisions H.R. 1859, Housing Finance Reform Act, all provisions H.R. 1965, to amend the securities laws to establish certain thresholds for shareholders, all provisions H.R. 2413, the Secondary Market Facility or Residential Mortgage Act, all provisions H.R. 2436, Fannie Mae and Freddie Mac Taxpayer Payback Act, all provisions H.R. 2439, Removing GSE Charters During Receivership Act, all provisions H.R. 2462, Cap the GSE Bailout Act, all provisions H.R. 2930, the Entrepreneur Access to Capital Act, all provisions H.R. 3461, the Financial Institution Examination Fairness and Reform Act, all provisions H.R. 3336, the Small Business Credit Availability Act, all provisions H.R. 3606, the Jumpstart Our Business Startups Act, Title VI, provisions related to shareholder threshold for registration H.R. 3630, the Middle Class Tax Relief and Job Creation Act, provisions related to the National Flood Insurance Program and provisions related to mortgage fees and premiums H.R. 3993, Capital Access for Small Business Jobs Act, all provisions H.R. 4014, a bill to amend the Federal Deposit Insurance Act with respect to information provided to the Bureau of Consumer Financial Protection, all provisions. H.R. 4217, Mutual Community Bank Competitive Equality Act, all provisions H.R. 4323, the Consumer Mortgage Choice Act, all provisions H.R. 4367, related to ATM fee disclosure requirements, all provisions H.R. 4348, MAP-21 Act, Title II, provisions related to the National Flood Insurance Program and issues related to interchange fee regulation and the study therof by various federal agencies H.R. 5740, National Flood Insurance Program Extension Act, all provisions H.R. 5817, Eliminate Privacy Notice Confusion Act, all provisions H.R. 6125, a bill to amend the Federal Deposit Insurance Act and the Federal Credit Union Act with respect to privilege of information provided to Federal and State agencies, and for other purposes, all provisions S. 170, the Helping Responsible Homeowners Act, all provisions S. 509, Small Business Lending Enhancement Act, all provisions S. 575, Debit Interchange Fee Study Act, all provisions S. 967, the Regulation of Mortgages Servicing Act, all provisions S. 1151, Personal Data Privacy and Security Act, provisions related to entities covered by the Gramm-Leach Bliley Act. S. 1207, the Data Security and Breach Notification Act, all provisions S. 1408, Data Breach Notification Act of 2011, all provisions S. 1434, Data Security Act of 2011, all provisions S. 1535, Personal Data Protection and Breach Accountability Act, all provisions S. 1600, Communities First Act, all provisions S. 1615, Financial Regulatory Responsibility Act, all provisions S. 556, to amend the securities laws to establish certain thresholds for shareholders, all provisions S. 1549, the American Jobs Act, amendments related to credit union member business lending S. 1660, the American Jobs Act, amendments related to credit union member business lending. S. 1824, the Private Company Flexibility and Growth Act, all provisions S. 1940, an original bill to amend the National Flood Insurance Act of 1968, to restore the financial solvency of the flood insurance fund, and for other purposes, all purposes. S. 1941, to amend the securities laws to establish certain thresholds for shareholders, all provisions S. 1958, a bill to extend the National Flood Insurance Program until May 31, 2012, all provisions S. 2105, Cybersecurity Act of 2012, all provisions S. 2111, the Cyber Crime Protection Security Act, all provisions S. 2160, the Financial Institution Examination Fairness and Reform Act, all provisions S. 2231, Small Business Lending Enhancement Act, all provisions S. 2344, a bill to extend the National Flood Insurance Program until December 31, 2012, all provisions S. 3085, the Responsible Homeowner Refinancing Act, all provisions S. 3204, related to ATM fee disclosure requirements, all provisions S. 3571, a bill to require the Bureau of Consumer Financial Protection to conduct a small business panel on the Qualified Mortgage rule before it can go forward with a rule, all provisions S. 3637, a bill to extend the Transaction Account Guarantee Program S. 3709, a bill to require a Government Accountability Office examination of transactions between large financial institutions and the Federal Government Lucas Amendment to H. R. 1309, related to force placed insurance S. Amdt 267 to S. 495, related to debit interchange fee study, all provisions S. Amdt 242 to S. 495, related to credit union business lending, all provisions S. Amdt 392 to S. 782, related to debit interchange fee regulation, all provisions Implementation of Title VII of the Dodd-Frank Wall Street Reform and Consumer Financial Protection Act related to the definition of "Swap Dealer" and the Swaps End User Exemption. Implementation of Section 1075 of the Dodd-Frank Wall Street Reform and Consumer Financial Protection Act related to debit interchange fee regulation Issues related to the NCUA's proposed rule related to credit union service organizations Issues related to mobile banking and mobile payments Issues related to the vacancy on the National Credit Union Administration Board Issues related to the NCUA Rule on Net Worth and Bargain Purchase Agreements Issues related to the proposed CFPB form on RESPA/TILA Issues related to the Regulation of Regulation Z/Multi-Feature Open-End Lending Issues related to Credit Union field of membership Issues related to Credit Union Service Organizations (CUSO) Issues related to credit union operations Issues related to National Credit Union Administration examination procedures Issues related to Financial Accounting Standards Board Issues related to the implementation of the Unlawful Internet Gambling Prohibition Act Issues related to Mark-to-Market accounting Issues related to NCUA's Statute of Limitations Proposal Issues related to credit union indemnification, golden parachutes and other benefits Issues related to data security and cyber security Issues related to NCUAs proposed rule regarding loan participations Issues related to private equity standards Issues related to NCUAs regulation regarding its Regulatory Flexibility Program Issues related to overdraft protection programs and check ordering practices House Financial Services Committee Draft bill entitled the Private Mortgage Market Investment Act, all provisions Issues related to the FDIC's Transaction Account Guarantee Program Issues related to the NCUSIF's Transaction Account Guarantee Program Issues related to mortgage servicing Issues related to mortgage loan originator compensation and qualifications Issues related to high-cost mortgage loans (HOEPA) Issues related to the Rural Utility Services proposed loan program for energy efficiency Issues related to the CFPBs proposed rule regarding qualified mortgage / ability to repay Issues related to NCUAs proposed rule regarding emergency liquidity Issues related to reverse mortgages Issues related to troubled debt restructuring Issues related to NCUA's low income credit union designation Issues related to the oversignt of the Federal Housing Administration Issues related to material loss reports of the National Credit Union Administration Office of Inspector General

Client expense: $1,407,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Commodity Futures Trading Commission (CFTC), Executive Office of the President (EOP), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Justice, Dept of (DOJ), Natl Credit Union Administration (NCUA), Office of Government Ethics (OGE), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of

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

Increase in Credit Union Lending Cap S2231 - Small Business Lending Enhancement Act of 2012 HR1418 - Small Business Lending Enhancement Act of 2011 Extension of Temporary SBA Programs HR366 - To provide for an additional temporary extension of programs under the Small Business Act and the Small Business Investment Act of 1958, and for other purposes HR2936 - Small Business Administration Express Loan Extension Act of 2011 Foreclosure Issues S170 - Helping Responsible Homeowners Act of 2011 S222 - Limiting Investor and Homeowner Loss in Foreclosure Act of 2010 HR430 - HAMP Repeal and Deficit Reduction Act of 2011 HR1131 - Preventing Homeowners from Foreclosure Act of 2011 HR1151 - Emergency Mortgage Relief and Neighborhood Stabilization Programs Cost Recoupment Act of 2011 HR839 - HAMP Termination Act of 2011 HR5940 - Preserving American Homeownership Act of 2012 S2080 - Keeping Families in their Home Act of 2012 GSE Modifications S693 - GSE Bailout Elimination and Taxpayer Protection Act S1834 - Residential Mortgage Market Privatization and Standardization Act S1963 - Mortgage Finance Act HR31 - Fannie Mae and Freddie Mac Accountability and Transparency for Taxpayers Act of 2011 HR463 - Fannie Mae and Freddie Mac Transparency Act of 2011 HR1182 - GSE Bailout Elimination and Taxpayer Protection Act HR1221 - Equity in Government Compensation Act of 2011 HR1222 - GSE Subsidy Elimination Act of 2011 HR1223 - GSE Credit Risk Equitable Treatment Act of 2011 HR1224 - GSE Portfolio Risk Reduction Act of 2011 HR1225 - GSE Debt Issuance Approval Act of 2011 HR1226 - GSE Mission Improvement Act of 2011 HR1227 - GSE Risk and Activities Limitation Act of 2011 HR1859 - Housing Finance Reform Act of 2011 HR 2413 - Secondary Market Facility for Residential Mortgages Act of 2011 HR2425 - Transparency and Security in Mortgage Registration Act of 2011 HR2428 - GSE Legal Fee Reduction Act of 2011 HR2436 - Fannie and Freddie Mac Taxpayer Payback Act of 2011 HR2439 - Removing GSEs Charters During Receivership Act HR2440 - Market Transparency and Taxpayer Protection Act HR2441- Housing Trust Fund Elimination Act HR2462 - Cap the GSE Bailout Act HR3644 - Private Mortgage Market Investment Act HR3733 - Affordable Mortgages for Homeowners Act of 2011 S3085 - Responsible Homeowners Refinancing Act S3520 - Rebuilding Equity Act of 2012 S3047 - Expanding Refinancing Opportunities Act of 2012 HR6429 - STEM Jobs Act of 2012 Changes to the Truth In Lending Act HR3849 - Preserving Access to Manufactured Housing Act Changes in Financial Market Regulations HR87 - A bill to repeal the Dodd-Frank Wall Street Reform and Consumer Protection Act HR1121 - Responsible Consumer Financial Protection Regulations Act of 2011 HR1723 - Common Sense Economic Recovery Act of 2011 HR2126 - Risk Retention Modernization Act of 2011 S967 - Regulation of Mortgage Servicing Act of 2011. S3589 - Mortgage Modification Outreach Act Changes to the Federal Reserve System S202 - Federal Reserve Transparency Act of 2011 HR459 - Federal Reserve Transparency Act of 2011 HR1094 - Federal Reserve Board Abolition Act Changes to GSE and FHA Loan Limits HR1754 - Preserving Equal Access to Mortgage Finance Programs Act 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. HR4323 - Consumer Mortgage Choice Act S3522 - The Responsible Homeowner Refinancing Act of 2012 Regulatory Oversight of Covered Bonds S1835 - United States Covered Bond Act of 2011 Improvement of Short Sale Process HR1498 - Prompt Decision for Qualification of Short Sale Act of 2011 S2120 - Prompt Notification of Short Sales Act HR6153 - Fast Help for Homeowners Act Changes to the Home Affordable Modification Program HR839 - to amend 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; HRes170 - A resolution providing for consideration of the bill (HR 839) to amend 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; and providing for consideration of the bill (HR 861) to rescind the third round of funding for the Neighborhood Stabilization Program and to terminate the program Oversight of Insured Depository Institutions HR2056 - A bill to instruct the Inspector General of the Federal Deposit Insurance Corporation to study the impact of insured depository institution failures, and for other purposes. Examinations of Depository Institutions HR3461 - Financial Institutions Examination Fairness and Reform Act Availability of Capital for Finance HR940 - United States Covered Bond Act of 2011 HJRes22 - Preserving Capitalism in America Amendment Discussions with the Securities and Exchange Commission (SEC) on lease accounting. Conversations with the Treasury Department on the Dodd-Frank Act, the Home Affordable Modification Program (HAMP), credit, and anti-money laundering guidelines. Discussions with the Federal Reserve on Dodd-Frank. Discussions with the FDIC on Basel III. Conversations with the Consumer Financial Protection Bureau (CFPB) on Dodd-Frank, Qualified Mortgage (QM) rules, RESPA/Truth in Lending Act (TILA), Loan Officer Compensation Rules, banking, and mortgage servicing. Conversations with the Federal Housing Finance Agency (FHFA) on Government Sponsored Enterprises (GSEs), short sales, housing programs lending, and bulk sales of foreclosed properties. Discussions with the Department of Housing and Urban Development (HUD) on the Federal Housing Administration and Qualified Residential Mortgages (QRMs). Discussions with the White House Economic Council regarding credit, Menendez-Boxer refinancing bill, refinancing programs, and "the fiscal cliff."

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

Public Law 111-203: Dodd-Frank Wall Street Reform and Consumer Protection Act (qualified mortgages and qualified residential mortgages) H.R. 4323: the Consumer Mortgage Choice Act (affiliated companies) S. 1737: Sensible Accounting to Value Energy Act of 2011(entire bill) S. 3522: The Responsible Homeowner Refinancing Act of 2012 (entire bill) Issues: Housing market reform issues (foreclosure policy, GSE reform, interest rates, conforming loan limit, jumbo loans, home mortgage interest deduction tax credit)

Client expense: $570,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Army, Dept of (Corps of Engineers), Commodity Futures Trading Commission (CFTC), Council on Environmental Quality (CEQ), Defense, Dept of (DOD), Energy, Dept of, Environmental Protection Agency (EPA), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, General Services Administration (GSA), HOUSE OF REPRESENTATIVES, Interior, Dept of (DOI), Labor, Dept of (DOL), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of, U.S. Fish & Wildlife Service (USFWS), U.S. Forest Service

Lobbying issues were: CFPB (encouraging Congress to keep in place an effective federal consumer-focused banking regulator); overdraft loans (encouraging Congress to implement restrictions on abusive overdraft practices); payday loans (encouraging Congress to prohibit abusive products and practices); the future of the GSEs and the federal housing finance system [continued on next page] [continued from previous page] mortgage lending (encouraging Congress to prohibit abusive products and practices); mortgage loan modifications (encouraging Congress to provide incentive for servicers to modify loans to prevent foreclosures) Specific legislation that was the subject of lobbying activity: S. 222 (to allow for voluntary loss mitigation program in bankruptcy) S. 299 (to oppose requirement that major rules of the executive branch would have no force or effect unless a joint resolution of approval is enacted into law). S. 489 (to require minimum mortgage servicing standards) S. 527 (to continue HAMP) S. 690 (to create an Office of the Homeowner Advocate) S. 737 (to keep current regulatory structure of CFPB) S. 824 (to require minimum mortgage servicing standards) S. 967 (to require minimum mortgage servicing standards) S. 1054 (to ensure that the bankruptcy process is fair for consumers) S. 1606 (to oppose reforms to the process by which federal agencies analyze and formulate new regulations and guidance documents) S. 1615 (to oppose enhanced economic analysis and justification of regulations proposed by certain federal financial regulators) S. Amdt. 1294 to S. 1867, the Defense Authorization Bill (to enhance consumer credit protections for service members and their families) S. 1963 (to oppose revoking the charters for the government-sponsored enterprises and creating a new Mortgage Finance Agency for the securitization of single family and multifamily mortgages, and for other purposes) S. 2072 (a bill to discourage disincentives to the housing missions of the government-sponsored enterprises and require consistent putback risks at the enterprises to assist homeowners) S. 3047 (a bill to encourage responsible homeowners to refinance mortgages, and for other purposes) S. 3085 (a bill to provide for the expansion of affordable refinancing of mortgages held by the Federal National Mortgage Assoc. and the Federal Home Loan Mortgage Corp.) S. 3254 (to provide for stronger credit protections for servicemembers and their dependent family members) S. 3426 (to amend the Truth in Lending Act to address certain issues related to the extension of consumer credit) S. 3452 (to amend the Truth in Lending Act to establish a national usury rate for consumer credit transactions). S. 3468 (to oppose affirming the authority of the president to require independent regulatory agencies to comply with regulatory analysis applicable to executive agencies) S. 3522 (to provide for the expansion of affordable refinancing of mortgages held by FNMA and FHLMC ) [continued from previous page] S. 3571 (to oppose requiring the Bureau of Consumer Financial Protection to conduct a small business review panel on the qualified mortgage rule before the Bureau can go forward with a final rule) S. 4041 (to amend the Electronic Fund Transfer Act to provide protection for consumers who have prepaid cards, and other purposes) H.R. 10 (to oppose requirement that major rules of the executive branch would have no force or effect unless a joint resolution of approval is enacted into law). H.R. 31 (to ensure that there is a secondary market to serve low- and moderate-income communities) H.R. 527 (to oppose a complete analysis of potential impacts on small entities of rules, and for other purposes). H.R. 830 (to continue to FHA short refinance program) H.R. 836 (to continue the Emergency Homeowner Relief Program) H.R. 839 (to continue HAMP) H.R. 861 (to continue NSP) H.R. 1121 (to keep current regulatory structure of CFPB) H.R. 1221 (to ensure that there is a secondary market to serve low- and moderate-income communities) H.R 1222 (to ensure that there is a secondary market to serve low- and moderate-income communities) H.R. 1223 (to ensure that there is a secondary market to serve low- and moderate-income communities) H.R. 1224 (to ensure that there is a secondary market to serve low- and moderate-income communities) H.R. 1225 (to ensure that there is a secondary market to serve low- and moderate-income communities) H.R. 1226 (to ensure that there is a secondary market to serve low- and moderate-income communities) H.R. 1227 (to ensure that there is a secondary market to serve low- and moderate-income communities) H.R. 1315 (to keep current FSOC veto authority structure in CFPB) H.R. 1355 (to maintain the current CFPB regulatory structure and funding system) H.R. 1477 (to require minimum mortgage servicing standards) H.R. 1567 (to require minimum mortgage servicing standards) H.R. 1677 (to keep the current CFPB transfer date in place) H.R. 1697 (to oppose amendments to the Consumer Financial Protection Act of 2010) H.R. 1783 (to require minimum mortgage servicing standards) H.R. 1909 (to oppose the federal chartering of Federal Financial Servicing and Credit Companies) H.R. 2081 (to keep the current CFPB regulatory structure) H.R. 3010 (to oppose reforms to the process by which federal agencies analyze and formulate new regulations and guidance documents) H.R. 3077 (to ensure customers have the right to close depository account without unreasonable cost or other barriers) H.R. 3461 (to oppose purported improvements to the examination of depository institutions, and for other purposes) H.R. 3644 (to oppose purported standardization and transparency in the mortgage backed security system) H.R. 3648 (to support amending the Internal Revenue Code of 1986 to exclude discharges of indebtness on principal residences from gross income, and for other purposes) H.R. 4101 (to oppose amending the Fair Debt Collection Practices Act to exempt a debt collector from liability when leaving certain voice messages for a consumer with respect to a debt as long as the debt collector follows regulations prescribed by the Bureau of Consumer Financial Protection on the appropriate manner in which to leave such a message, and for other purposes) H.R. 4310 (to support amending the Military Lending Act to provide additional enhancements of protections on consumer credit for members of the armed forces and their dependents) [continued from previous page] H.R. 4323 (to oppose amending the Truth in Lending Act to improve upon the definitions provided for points and fees in connection with a mortgage transaction) H.R. 5691 (to amend the Truth in Lending Act to establish fair and transparent practices related to the marketing and provision of overdraft coverage programs at depository institutions). H.R. 6139 (to oppose federal chartering of national consumer credit corporations) BILLS UNDER DISCUSSION/NOT YET INTRODUCED Senate legislation on government sponsored enterprises (to ensure that there is a secondary market to serve low- and moderate-income communities) Senate legislation on checking account overdraft practices (to require fair practices related to overdraft fees) Senate legislation to address abusive payday lending practices Senate legislation to provide for a safe harbor legal liability standard for qualified mortgages House legislation on debit cards (to ensure there are fair consumer protections for debit card users) Executive branch agencies and issues: Consumer Financial Protection Bureau overdraft fees, bank payday loans, payday loans, mortgage servicing, larger nonbank participants, credit cards, prepaid cards, auto lending, rules to be enforced, lending issues as related to military, interim legal authorities, Alternative Mortgage Transaction Parity Act (AMTPA), mortgage origination rules, depository supervision, qualified mortgage Dept of the Treasury--Office of the Comptroller of the Currency overdraft fees, bank payday loans, preemption, risk retention rules, servicing standards, servicing consent order/independent foreclosure review, mortgage origination rules, payday lendings impact on Community Reinvestment Act evaluations Dept of the Treasury HAMP, GSE reform, risk retention rules, mortgage origination rules Federal Reserve Board overdraft fees, bank payday loans, mortgage origination rules, risk retention rules, servicing standards, credit card rules, interchange revenue, Dodd-Frank implementation, servicing consent order/independent foreclosure review FDIC -- overdraft fees, risk retention rules, servicing standards, bank payday loans, prepaid cards National Credit Union Administration -- regulation of credit union service organizations, payday lending, payday alternative loans Federal Trade Commission -- auto financing HUD -- GSE reform, risk retention rules, mortgage origination rules White House -- foreclosure prevention, risk retention rules, mortgage refinance Federal Housing Finance Administration -- foreclosure prevention, servicing standards

Client expense: $105,000 · Firm income: Not reported

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

Supporting H.R. 4323, The Consumer Mortgage Choice Act, and addressing other issues that limit the discriminatory impact of the definition or implementation of "points and fees" under the Truth in Lending Act on affiliated business arrangements and the ability of consumers to choose their mortgage lender, title company, and settlement service providers when buying a home or refinancing a mortgage

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Implementation of Section 1032 of PL 111-203, Dodd-Frank Wall Street Reform and Consumer Protection Act, provisions related to combining mortgage disclosure provisions under Real Estate Settlement Procedures Act (RESPA) and Truth in Lending Act (TILA). Implementation of Section 941 of PL 111-203, Dodd-Frank Wall Street Reform and Consumer Protection Act, provisions related to Qualified Residential Mortgages (QRM). Contacted Consumer Financial Protection Bureau. Implementation of Sections 1411, 1412 and 1413 of PL 111-203, Dodd-Frank Wall Street Reform and Consumer Protection Act, provisions related to ability to repay standard and qualified mortgage safe harbor. H.R. 4323, Consumer Mortgage Choice Act, a bill to amend the Truth in Lending Act with respect to the definitions provided for points and fees in connection with a mortgage transaction. HR 940, United States Covered Bond Act, to establish standards for covered bond programs and a covered bond regulatory oversight program; entire bill. HR 1182, GSE Bailout Elimination and Taxpayer Protection Act, to establish a term certain for the conservatorships of Fannie Mae and Freddie Mac, to provide conditions for continued operation of such enterprises, and to provide for the wind down of such operations and the dissolution of such enterprises; entire bill. HR 1222, GSE Subsidy Elimination Act, a bill to increase the guarantee fees charged by Fannie Mae and Freddie Mac with respect to mortgage-backed securities guaranteed by such enterprises; entire bill. HR 1223, GSE Credit Risk Equitable Treatment Act, a bill to amend 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; entire bill. HR 1859, Housing Finance Reform Act, to ensure the availability of reasonably priced conventional mortgages to borrowers in all economic cycles by encouraging private sector capital support the secondary mortgage market, limiting the role of the Federal government and the exposure to taxpayers; entire bill. HR 2413, Secondary Market Facility for Residential Mortgages Act, to establish a sustainable Federal Secondary Market Facility for Residential Mortgages that is financed by private capital, to terminate the conservatorships of Fannie Mae and Freddie Mac and repeal the charter Acts of such enterprises, and for other purposes; entire bill. S.1963, Mortgage Finance Act of 2011, a bill to establish a Mortgage Finance Agency, which shall be an independent agency of the Federal Government; entire bill. S. 1834, Residential Mortgage Market Privatization and Standardization Act of 2011, a bill to restore and repair the United States mortgage markets by making them transparent, bringing in private capital, winding down the Government-sponsored enterprises, and for other purposes; entire bill. General education regarding Consumer Financial Protection Bureau's supervision of mortgage servicing. General education regarding the Federal Reserve's white paper entitled, "The U.S. Housing Market: Current Conditions and Policy Considerations." S. 3085, the Responsible Homeowner Refinancing Act, 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; entire bill. General education regarding the Consumer Financial Protection Bureau's Bulletin 2012-03, regarding service provider relationships with financial institutions under the Bureau's supervision. Proposed Rule RIN 3170-AA19 (Integrated Mortgage Disclosures Under the Real Estate Settlement Procedures Act (Regulation X) and the Truth In Lending Act (Regulation Z)). Proposed Rule RIN 3170-AA12 (High-Cost Mortgage and Homeownership Counseling Amenedments to the Truth in Lending Act (Regulation Z) and Homeownership Counseling Amendments to the Real Estate Settlement Procedures Act (Regulation X). Proposed Rule RIN 3170-AA14 (2012 Truth in Lending Act (Regulation Z) Mortgage Servicing. Proposed Rule RIN 3170-AA14 (2012 Real Estate Settlement Procedures Act (Regulation X) Mortgage Service Proposal.

Client expense: $160,000 · Firm income: Not reported

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Office of Management & Budget (OMB), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of

H.R. 2086 and S. 2149, the Medical Debt Responsibility Act H.R. 4323 - The Consumer Mortgage Choice Act (entire bill) No Bill: Congressional Oversight of the FDIC Structureed Transaction Plan No bill: Reform of Government Sponsored Enities including Fannie Mae and Freddie Mac

Client expense: Not reported · Firm income: $70,000

Government targets: Council of Economic Advisers (CEA), Energy, Dept of, Environmental Protection Agency (EPA), Executive Office of the President (EOP), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE, Treasury, Dept of

Supporting H.R. 4323, The Consumer Mortgage Choice Act, and addressing other issues that limit the discriminatory impact of the definition or implementation of "points and fees" under the Truth in Lending Act on affiliated business arrangements and the ability of consumers to choose their mortgage lender, title company, and settlement service providers when buying a home or refinancing a mortgage

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Supporting H.R. 4323, The Consumer Mortgage Choice Act, and addressing other issues that limit the discriminatory impact of the definition or implementation of "points and fees" under the Truth in Lending Act on affiliated business arrangements and the ability of consumers to choose their mortgage lender, title company, and settlement service providers when buying a home or refinancing a mortgage

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HR 4323, affiliated services under the 3% TILA cap, esp. title services; secondary market reform; the diversion of GSE g fees to non-housing uses.

Client expense: Not reported · Firm income: $24,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HR 4323, affiliated services under the 3% rule (TILA), as amended by Dodd-Frank.

Client expense: Not reported · Firm income: $24,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Lobbying issues were: CFPB (encouraging Congress to keep in place an effective federal consumer-focused banking regulator); overdraft loans (encouraging Congress to implement restrictions on abusive overdraft practices); payday loans (encouraging Congress to prohibit abusive products and practices); the future of the GSEs and the federal housing finance system [continued on next page] [continued from previous page] mortgage lending (encouraging Congress to prohibit abusive products and practices); mortgage loan modifications (encouraging Congress to provide incentive for servicers to modify loans to prevent foreclosures) Specific legislation that was the subject of lobbying activity: S. 222 (to allow for voluntary loss mitigation program in bankruptcy) S. 299 (to oppose requirement that major rules of the executive branch would have no force or effect unless a joint resolution of approval is enacted into law). S. 489 (to require minimum mortgage servicing standards) S. 527 (to continue HAMP) S. 690 (to create an Office of the Homeowner Advocate) S. 737 (to keep current regulatory structure of CFPB) S. 824 (to require minimum mortgage servicing standards) S. 967 (to require minimum mortgage servicing standards) S. 1054 (to ensure that the bankruptcy process is fair for consumers) S. 1606 (to oppose reforms to the process by which federal agencies analyze and formulate new regulations and guidance documents) S. 1615 (to oppose enhanced economic analysis and justification of regulations proposed by certain federal financial regulators) S. Amdt. 1294 to S. 1867, the Defense Authorization Bill (to enhance consumer credit protections for service members and their families) S. 1963 (to oppose revoking the charters for the government-sponsored enterprises and creating a new Mortgage Finance Agency for the securitization of single family and multifamily mortgages, and for other purposes) S. 2072 (a bill to discourage disincentives to the housing missions of the government-sponsored enterprises and require consistent putback risks at the enterprises to assist homeowners) S. 3047 (a bill to encourage responsible homeowners to refinance mortgages, and for other purposes) S. 3085 (a bill to provide for the expansion of affordable refinancing of mortgages held by the Federal National Mortgage Assoc. and the Federal Home Loan Mortgage Corp.) S. 3254 (to provide for stronger credit protections for servicemembers and their dependent family members) S. 3426 (to amend the Truth in Lending Act to address certain issues related to the extension of consumer credit) S. 3452 (to amend the Truth in Lending Act to establish a national usury rate for consumer credit transactions). S. 3468 (to oppose affirming the authority of the president to require independent regulatory agencies to comply with regulatory analysis applicable to executive agencies) S. 3522 (to provide for the expansion of affordable refinancing of mortgages held by FNMA and FHLMC ) [continued from previous page] S. 3571 (to oppose requiring the Bureau of Consumer Financial Protection to conduct a small business review panel on the qualified mortgage rule before the Bureau can go forward with a final rule) S. 4041 (to amend the Electronic Fund Transfer Act to provide protection for consumers who have prepaid cards, and other purposes) H.R. 10 (to oppose requirement that major rules of the executive branch would have no force or effect unless a joint resolution of approval is enacted into law). H.R. 31 (to ensure that there is a secondary market to serve low- and moderate-income communities) H.R. 527 (to oppose a complete analysis of potential impacts on small entities of rules, and for other purposes). H.R. 830 (to continue to FHA short refinance program) H.R. 836 (to continue the Emergency Homeowner Relief Program) H.R. 839 (to continue HAMP) H.R. 861 (to continue NSP) H.R. 1121 (to keep current regulatory structure of CFPB) H.R. 1221 (to ensure that there is a secondary market to serve low- and moderate-income communities) H.R 1222 (to ensure that there is a secondary market to serve low- and moderate-income communities) H.R. 1223 (to ensure that there is a secondary market to serve low- and moderate-income communities) H.R. 1224 (to ensure that there is a secondary market to serve low- and moderate-income communities) H.R. 1225 (to ensure that there is a secondary market to serve low- and moderate-income communities) H.R. 1226 (to ensure that there is a secondary market to serve low- and moderate-income communities) H.R. 1227 (to ensure that there is a secondary market to serve low- and moderate-income communities) H.R. 1315 (to keep current FSOC veto authority structure in CFPB) H.R. 1355 (to maintain the current CFPB regulatory structure and funding system) H.R. 1477 (to require minimum mortgage servicing standards) H.R. 1567 (to require minimum mortgage servicing standards) H.R. 1677 (to keep the current CFPB transfer date in place) H.R. 1697 (to oppose amendments to the Consumer Financial Protection Act of 2010) H.R. 1783 (to require minimum mortgage servicing standards) H.R. 1909 (to oppose the federal chartering of Federal Financial Servicing and Credit Companies) H.R. 2081 (to keep the current CFPB regulatory structure) H.R. 3010 (to oppose reforms to the process by which federal agencies analyze and formulate new regulations and guidance documents) H.R. 3077 (to ensure customers have the right to close depository account without unreasonable cost or other barriers) H.R. 3461 (to oppose purported improvements to the examination of depository institutions, and for other purposes) H.R. 3644 (to oppose purported standardization and transparency in the mortgage backed security system) H.R. 4101 (to oppose amending the Fair Debt Collection Practices Act to exempt a debt collector from liability when leaving certain voice messages for a consumer with respect to a debt as long as the debt collector follows regulations prescribed by the Bureau of Consumer Financial Protection on the appropriate manner in which to leave such a message, and for other purposes) H.R. 4323 (to oppose amending the Truth in Lending Act to improve upon the definitions provided for points and fees in connection with a mortgage transaction) H.R. 5691 (to amend the Truth in Lending Act to establish fair and transparent practices related to the marketing and provision of overdraft coverage programs at depository institutions). H.R. 6139 (to oppose federal chartering of national consumer credit corporations) [continued from previous page] BILLS UNDER DISCUSSION/NOT YET INTRODUCED Senate legislation on government sponsored enterprises (to ensure that there is a secondary market to serve low- and moderate-income communities) Senate legislation on checking account overdraft practices (to require fair practices related to overdraft fees) Senate legislation to address abusive payday lending practices House legislation on debit cards (to ensure there are fair consumer protections for debit card users) Executive branch agencies and issues: Consumer Financial Protection Bureau overdraft fees, bank payday loans, payday loans, mortgage servicing, larger nonbank participants, credit cards, prepaid cards, auto lending, rules to be enforced, lending issues as related to military, interim legal authorities, Alternative Mortgage Transaction Parity Act (AMTPA), mortgage origination rules, depository supervision, qualified mortgage Dept of the Treasury--Office of the Comptroller of the Currency overdraft fees, bank payday loans, preemption, risk retention rules, servicing standards, servicing consent order/independent foreclosure review, mortgage origination rules Dept of the Treasury HAMP, GSE reform, risk retention rules, mortgage origination rules Federal Reserve Board overdraft fees, bank payday loans, mortgage origination rules, risk retention rules, servicing standards, credit card rules, interchange revenue, Dodd-Frank implementation, servicing consent order/independent foreclosure review FDIC -- overdraft fees, risk retention rules, servicing standards, bank payday loans, prepaid cards National Credit Union Administration -- regulation of credit union service organizations, payday lending Federal Trade Commission -- auto financing HUD -- GSE reform, risk retention rules, mortgage origination rules White House -- foreclosure prevention, risk retention rules, mortgage refinance Federal Housing Finance Administration -- foreclosure prevention, servicing standards

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

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Natl Credit Union Administration (NCUA), Office of the Comptroller of the Currency (OCC), 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: $614,000 · 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

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: $614,000 · 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

Please see addendum. H.R. 31-Fannie Mae and Freddie Mac Accountability and Transparency for Taxpayers Act, all provisions H.R. 463, Fannie Mae and Freddie Mac Transparency Act, all provisions H.R. 1081, Consumer Payment System Payments Act, all provisions H.R. 1121-Responsible Consumer Financial Protection Regulations Act of 2011, all provisions H.R. 1174, Internet Gambling Regulation, Consumer Protection, and Enforcement Act. H.R. 1221-Equity in Government Compensation Act of 2011, all provisions H.R. 1222-GSE Subsidy Elimination Act of 2011, all provisions H.R. 1223, GSE Credit Rish Equitable Treatment Act, all provisions H.R. 1224-Portfolio Risk Reduction Act of 2011, all provisions H.R. 1225-GSE Debt Issuance Approval Act of 2011, all provisions H.R. 1226-GSE Mission Improvement Act of 2011, all provisions H.R. 1227-GSE Risk and Activities Limitation Act of 2011, all provisions H.R. 1309-Flood Insurance Reform Act, all provisions H.R. 1315-Consumer Financial Protection Safety and Soundness Improvement Act of 2011, all provisons H.R. 1418-Small Business Lending Enhancement Act, all provisions H.R. 1667, Bureau of Consumer Financial Protection Transfer Clarification Act, all provisions H.R. 1697, Communities First Act, all provisions H.R. 1723, the Common Sense Economic Recovery Act, all provisions H.R. 1754, Preserving Equal Access to Mortgage Finance Programs, all provisions H.R. 1859, Housing Finance Reform Act, all provisions H.R. 1965, to amend the securities laws to establish certain thresholds for shareholders, all provisions H.R. 2413, the Secondary Market Facility or Residential Mortgage Act, all provisions H.R. 2436, Fannie Mae and Freddie Mac Taxpayer Payback Act, all provisions H.R. 2439, Removing GSE Charters During Receivership Act, all provisions H.R. 2462, Cap the GSE Bailout Act, all provisions H.R. 2930, the Entrepreneur Access to Capital Act, all provisions H.R. 3461, the Financial Institution Examination Fairness and Reform Act, all provisions H.R. 3336, the Small Business Credit Availability Act, all provisions H.R. 3606, the Jumpstart Our Business Startups Act, Title VI, provisions related to shareholder threshold for registration H.R. 3630, the Middle Class Tax Relief and Job Creation Act, provisions related to the National Flood Insurance Program and provisions related to mortgage fees and premiums H.R. 3993, Capital Access for Small Business Jobs Act, all provisions H.R. 4014, a bill to amend the Federal Deposit Insurance Act with respect to information provided to the Bureau of Consumer Financial Protection, all provisions. H.R. 4217, Mutual Community Bank Competitive Equality Act, all provisions H.R. 4323, the Consumer Mortgage Choice Act, all provisions H.R. 4367, related to ATM fee disclosure requirements, all provisions H.R. 4348, MAP-21 Act, Title II, provisions related to the National Flood Insurance Program and issues related to interchange fee regulation and the study therof by various federal agencies H.R. 5740, National Flood Insurance Program Extension Act, all provisions H.R. 5817, Eliminate Privacy Notice Confusion Act, all provisions H.R. 6125, a bill to amend the Federal Deposit Insurance Act and the Federal Credit Union Act with respect to privilege of information provided to Federal and State agencies, and for other purposes, all provisions S. 170, the Helping Responsible Homeowners Act, all provisions S. 509, Small Business Lending Enhancement Act, all provisions S. 575, Debit Interchange Fee Study Act, all provisions S. 967, the Regulation of Mortgages Servicing Act, all provisions S. 1151, Personal Data Privacy and Security Act, provisions related to entities covered by the Gamm-Leach Blaley Act. S. 1207, the Data Security and Breach Notification Act, all provisions S. 1408, Data Breach Notification Act of 2011, all provisions S. 1434, Data Security Act of 2011, all provisions S. 1535, Personal Data Protection and Breach Accountability Act, all provisions S. 1600, Communities First Act, all provisions S. 1615, Financial Regulatory Responsibility Act, all provisions S. 556, to amend the securities laws to establish certain thresholds for shareholders, all provisions S. 1549, the American Jobs Act, amendments related to credit union member business lending S. 1660, the American Jobs Act, amendments related to credit union member business lending. S. 1824, the Private Company Flexibility and Growth Act, all provisions S. 1940, an original bill to amend the National Flood Insurance Act of 1968, to restore the financial solvency of the flood insurance fund, and for other purposes, all purposes. S. 1941, to amend the securities laws to establish certain thresholds for shareholders, all provisions S. 1958, a bill to extend the National Flood Insurance Program until May 31, 2012, all provisions S. 2105, Cybersecurity Act of 2012, all provisions S. 2111, the Cyber Crime Protection Security Act, all provisions S. 2160, the Financial Institution Examination Fairness and Reform Act, all provisions S. 2231, Small Business Lending Enhancement Act, all provisions S. 2344, a bill to extend the National Flood Insurance Program until December 31, 2012, all provisions S. 3085, the Responsible Homeowner Refinancing Act, all provisions S. 3204, related to ATM fee disclosure requirements, all provisions S. 3571, a bill to require the Bureau of Consumer Financial Protection to conduct a small business panel on the Qualified Mortgage rule before it can go forward with a rule, all provisions Lucas Amendment to H. R. 1309, related to force placed insurance S. Amdt 267 to S. 495, related to debit interchange fee study, all provisions S. Amdt 242 to S. 495, related to credit union business lending, all provisions S. Amdt 392 to S. 782, related to debit interchange fee regulation, all provisions Implementation of Title VII of the Dodd-Frank Wall Street Reform and Consumer Financial Protection Act related to the definition of "Swap Dealer" and the Swaps End User Exemption. Implementation of Section 1075 of the Dodd-Frank Wall Street Reform and Consumer Financial Protection Act related to debit interchange fee regulation Issues related to the NCUA's proposed rule related to credit union service organizations Issues related to mobile banking and mobile payments Issues related to the vacancy on the National Credit Union Administration Board Issues related to the NCUA Rule on Net Worth and Bargain Purchase Agreements Issues related to the proposed CFPB form on RESPA/TILA Issues related to the Regulation of Regulation Z/Multi-Feature Open-End Lending Issues related to Credit Union field of membership Issues related to Credit Union Service Organizations (CUSO) Issues related to credit union operations Issues related to National Credit Union Administration examination procedures Issues related to Financial Accounting Standards Board Issues related to the implementation of the Unlawful Internet Gambling Prohibition Act Issues related to Mark-to-Market accounting Issues related to NCUA's Statute of Limitations Proposal Issues related to credit union indemnification, golden parachutes and other benefits Issues related to data security and cyber security Issues related to NCUAs proposed rule regarding loan participations Issues related to private equity standards Issues related to NCUAs regulation regarding its Regulatory Flexibility Program Issues related to overdraft protection programs and check ordering practices House Financial Services Committee Draft bill entitled the Private Mortgage Market Investment Act, all provisions Issues related to the FDIC's Transaction Account Guarantee Program Issues related to the NCUSIF's Transaction Account Guarantee Program Issues related to mortgage servicing Issues related to mortgage loan originator compensation and qualifications Issues related to high-cost mortgage loans (HOEPA) Issues related to the Rural Utility Services proposed loan program for energy efficiency Issues related to the CFPBs proposed rule regarding qualified mortgage / ability to repay Issues related to NCUAs proposed rule regarding emergency liquidity Issues related to reverse mortgages Issues related to troubled debt restructuring Issues related to NCUA's low income credit union designation

Client expense: $1,044,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Commodity Futures Trading Commission (CFTC), Executive Office of the President (EOP), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Justice, Dept of (DOJ), Natl Credit Union Administration (NCUA), Office of Government Ethics (OGE), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of

Increase in Credit Union Lending Cap S509 - Small Business Lending Enhancement Act of 2011 S2231 - Small Business Lending Enhancement Act of 2012 HR1418 - Small Business Lending Enhancement Act of 2011 Extension of Temporary SBA Programs HR366 - To provide for an additional temporary extension of programs under the Small Business Act and the Small Business Investment Act of 1958, and for other purposes HR2936 - Small Business Administration Express Loan Extension Act of 2011 Foreclosure Issues S170 - Helping Responsible Homeowners Act of 2011 S222 - Limiting Investor and Homeowner Loss in Foreclosure Act of 2010 HR430 - HAMP Repeal and Deficit Reduction Act of 2011 HR1131 - Preventing Homeowners from Foreclosure Act of 2011 HR1151 - Emergency Mortgage Relief and Neighborhood Stabilization Programs Cost Recoupment Act of 2011 HR839 - HAMP Termination Act of 2011 HR5940 - Preserving American Homeownership Act of 2012 S2080 - Keeping Families in their Home Act of 2012 GSE Modifications S693 - GSE Bailout Elimination and Taxpayer Protection Act S1834 - Residential Mortgage Market Privatization and Standardization Act S1963 - Mortgage Finance Act HR31 - Fannie Mae and Freddie Mac Accountability and Transparency for Taxpayers Act of 2011 HR463 - Fannie Mae and Freddie Mac Transparency Act of 2011 HR1182 - GSE Bailout Elimination and Taxpayer Protection Act HR1221 - Equity in Government Compensation Act of 2011 HR1222 - GSE Subsidy Elimination Act of 2011 HR1223 - GSE Credit Risk Equitable Treatment Act of 2011 HR1224 - GSE Portfolio Risk Reduction Act of 2011 HR1225 - GSE Debt Issuance Approval Act of 2011 HR1226 - GSE Mission Improvement Act of 2011 HR1227 - GSE Risk and Activities Limitation Act of 2011 HR1859 - Housing Finance Reform Act of 2011 HR 2413 - Secondary Market Facility for Residential Mortgages Act of 2011 HR2425 - Transparency and Security in Mortgage Registration Act of 2011 HR2428 - GSE Legal Fee Reduction Act of 2011 HR2436 - Fannie and Freddie Mac Taxpayer Payback Act of 2011 HR2439 - Removing GSEs Charters During Receivership Act HR2440 - Market Transparency and Taxpayer Protection Act HR2441- Housing Trust Fund Elimination Act HR2462 - Cap the GSE Bailout Act HR3644 - Private Mortgage Market Investment Act HR3733 - Affordable Mortgages for Homeowners Act of 2011 S3085 - Responsible Homeowners Refinancing Act S3520 - Rebuilding Equity Act of 2012 S3047 - Expanding Refinancing Opportunities Act of 2012 Changes in Financial Market Regulations HR87 - A bill to repeal the Dodd-Frank Wall Street Reform and Consumer Protection Act HR1121 - Responsible Consumer Financial Protection Regulations Act of 2011 HR1723 - Common Sense Economic Recovery Act of 2011 HR2126 - Risk Retention Modernization Act of 2011 S967 - Regulation of Mortgage Servicing Act of 2011. S3589 - Mortgage Modification Outreach Act Changes to the Federal Reserve System S202 - Federal Reserve Transparency Act of 2011 HR459 - Federal Reserve Transparency Act of 2011 HR1094 - Federal Reserve Board Abolition Act Changes to GSE and FHA Loan Limits HR1754 - Preserving Equal Access to Mortgage Finance Programs Act 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. HR4323 - Consumer Mortgage Choice Act Regulatory Oversight of Covered Bonds S1835 - United States Covered Bond Act of 2011 Improvement of Short Sale Process HR1498 - Prompt Decision for Qualification of Short Sale Act of 2011 S2120 - Prompt Notification of Short Sales Act HR6153 - Fast Help for Homeowners Act Changes to the Home Affordable Modification Program HR839 - to amend 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; HRes170 - A resolution providing for consideration of the bill (HR 839) to amend 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; and providing for consideration of the bill (HR 861) to rescind the third round of funding for the Neighborhood Stabilization Program and to terminate the program Oversight of Insured Depository Institutions HR2056 - A bill to instruct the Inspector General of the Federal Deposit Insurance Corporation to study the impact of insured depository institution failures, and for other purposes. Examinations of Depository Institutions HR3461 - Financial Institutions Examination Fairness and Reform Act Availability of Capital for Finance HR940 - United States Covered Bond Act of 2011 HJRes22 - Preserving Capitalism in America Amendment Changes to the Truth In Lending Act HR3849 - Preserving Access to Manufactured Housing Act Discussions with the Small Business Administration on the Commercial Refinance Program. Discussions with the Federal Housing Finance Agency (FHFA) on housing finance issues, condominium financing (mortgages), Real Estate Owner (REO) to rental pilot program, REO bulk sales, and using eminent domain to take mortgages. Conversations with the Treasury Department on Government-Sponsored Enterprises (GSE), the Dodd-Frank Act, and banking policy. Discussions with FDIC on QRM Rules, housing finance, covered bonds, short sales (HAMP/HAFA), QCRE, and the Dodd-Frank Act. Discussions with the Consumer Financial Protection Bureau (CFPB) on RESPA/Truth in Lending Act (TILA), Qualified Mortgage (QM) rules, the Dodd-Frank Act, mortgage lending services, and Loan Officer Compensation rules. Discussions with the National Economic Council (NEC) on mortgage refinance proposals. Discussions with the Securities and Exchange Commission (SEC) on lease accounting. Discussions with the Department of Housing and Urban Development (HUD) on the Federal Housing Administration, QRM rules, and the Dodd-Frank Act. Discussions with the Federal Reserve on Basel III. Conversations with the Appraisal Subcommittee on appraisals, valuation of real property and territory. Conversations with the Office of the Comptroller of the Currency (OCC) regarding Basel III.

Client expense: $9,820,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Army, Dept of (Corps of Engineers), Commerce, Dept of (DOC), Congressional Budget Office (CBO), 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), Government Accountability Office (GAO), 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

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 Federal Housing Administration (FHA) within the Department of Housing and Urban Development (HUD) on condominium issues. Discussions with the Department of Agriculture, Rural Development office on rural housing programs. Discussions with the Federal Housing Finance Agency on the Real Estate Owned (REO) to rental pilot program, GSE (short sales), Strategic Plan Government-Financed Construction Contracts (GFCC), and eminent domain. Discussions with the U.S. Department of Veterans Affairs on the loan guaranty program. Discussions withe the Department of Housing and Urban Development (HUD) on the Fair Housing Act (FHA) and assisted housing.

Client expense: $9,820,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Army, Dept of (Corps of Engineers), Commerce, Dept of (DOC), Congressional Budget Office (CBO), 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), Government Accountability Office (GAO), 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

Public Law 111-203: Dodd-Frank Wall Street Reform and Consumer Protection Act (qualified mortgages and qualified residential mortgages) S. 1737 - Sensible Accounting to Value Energy Act of 2011; Issues: Housing market reform issues (foreclosure policy, GSE reform, interest rates, conforming loan limit, jumbo loans, home mortgage interest deduction tax credit) H.R. 4323, the Consumer Mortgage Choice Act (affiliated companies); S. 3522, The Responsible Homeowner Refinancing Act of 2012 (entire bill)

Client expense: $710,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Army, Dept of (Corps of Engineers), Commodity Futures Trading Commission (CFTC), Council on Environmental Quality (CEQ), Defense, Dept of (DOD), Energy, Dept of, Environmental Protection Agency (EPA), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, General Services Administration (GSA), HOUSE OF REPRESENTATIVES, Interior, Dept of (DOI), Labor, Dept of (DOL), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of, U.S. Fish & Wildlife Service (USFWS), U.S. Forest Service

Implementation of Section 1032 of PL 111-203, Dodd-Frank Wall Street Reform and Consumer Protection Act, provisions related to combining mortgage disclosure provisions under Real Estate Settlement Procedures Act (RESPA) and Truth in Lending Act (TILA). Implementation of Section 941 of PL 111-203, Dodd-Frank Wall Street Reform and Consumer Protection Act, provisions related to Qualified Residential Mortgages (QRM). Contacted Consumer Financial Protection Bureau. Implementation of Sections 1411, 1412 and 1413 of PL 111-203, Dodd-Frank Wall Street Reform and Consumer Protection Act, provisions related to ability to repay standard and qualified mortgage safe harbor. H.R. 4323, Consumer Mortgage Choice Act, a bill to amend the Truth in Lending Act with respect to the definitions provided for points and fees in connection with a mortgage transaction. HR 940, United States Covered Bond Act, to establish standards for covered bond programs and a covered bond regulatory oversight program; entire bill. HR 1182, GSE Bailout Elimination and Taxpayer Protection Act, to establish a term certain for the conservatorships of Fannie Mae and Freddie Mac, to provide conditions for continued operation of such enterprises, and to provide for the wind down of such operations and the dissolution of such enterprises; entire bill. HR 1222, GSE Subsidy Elimination Act, a bill to increase the guarantee fees charged by Fannie Mae and Freddie Mac with respect to mortgage-backed securities guaranteed by such enterprises; entire bill. HR 1223, GSE Credit Risk Equitable Treatment Act, a bill to amend 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; entire bill. HR 1859, Housing Finance Reform Act, to ensure the availability of reasonably priced conventional mortgages to borrowers in all economic cycles by encouraging private sector capital support the secondary mortgage market, limiting the role of the Federal government and the exposure to taxpayers; entire bill. HR 2413, Secondary Market Facility for Residential Mortgages Act, to establish a sustainable Federal Secondary Market Facility for Residential Mortgages that is financed by private capital, to terminate the conservatorships of Fannie Mae and Freddie Mac and repeal the charter Acts of such enterprises, and for other purposes; entire bill. S.1963, Mortgage Finance Act of 2011, a bill to establish a Mortgage Finance Agency, which shall be an independent agency of the Federal Government; entire bill. S. 1834, Residential Mortgage Market Privatization and Standardization Act of 2011, a bill to restore and repair the United States mortgage markets by making them transparent, bringing in private capital, winding down the Government-sponsored enterprises, and for other purposes; entire bill. General education regarding Consumer Financial Protection Bureau's supervision of mortgage servicing. General education regarding the Federal Reserve's white paper entitled, "The U.S. Housing Market: Current Conditions and Policy Considerations." S. 3085, the Responsible Homeowner Refinancing Act, 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; entire bill. General education regarding the Consumer Financial Protection Bureau's Bulletin 2012-03, regarding service provider relationships with financial institutions under the Bureau's supervision. Proposed Rule RIN 3170-AA19 (Integrated Mortgage Disclosures Under the Real Estate Settlement Procedures Act (Regulation X) and the Truth In Lending Act (Regulation Z)). Proposed Rule RIN 3170-AA12 (High-Cost Mortgage and Homeownership Counseling Amenedments to the Truth in Lending Act (Regulation Z) and Homeownership Counseling Amendments to the Real Estate Settlement Procedures Act (Regulation X). Proposed Rule RIN 3170-AA14 (2012 Truth in Lending Act (Regulation Z) Mortgage Servicing. Proposed Rule RIN 3170-AA14 (2012 Real Estate Settlement Procedures Act (Regulation X) Mortgage Service Proposal.

Client expense: $140,000 · Firm income: Not reported

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Office of Management & Budget (OMB), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of

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 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 Federal Housing Administration (FHA) withtin the Department of Housing and Urban Development (HUD) on condominium issues, the 203(k) program, Section 8 housing, seller concessions, and real estate commissions. Discussions with the Department of Agriculture, Rural Development office on multifamily housing, rural housing programs and delays in contract closings. Discussions with the Federal Housing Finance Agency on the Real Estate Owned (REO) to rental pilot program and REO bulk sales. Discussions with the U.S. Department of Veterans Affairs on the loan guarantee program, condominiums, and appraisals. Discussions withe the Department of Housing and Urban Development (HUD) on the Fair Housing Act (FHA).

Client expense: $10,060,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Army, Dept of (Corps of Engineers), Commerce, Dept of (DOC), Congressional Budget Office (CBO), 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), Government Accountability Office (GAO), 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

Increase in Credit Union Lending Cap S509 - Small Business Lending Enhancement Act of 2011 S2231 - Small Business Lending Enhancement Act of 2012 HR1418 - Small Business Lending Enhancement Act of 2011 Extension of Temporary SBA Programs HR366 - To provide for an additional temporary extension of programs under the Small Business Act and the Small Business Investment Act of 1958, and for other purposes HR2936 - Small Business Administration Express Loan Extension Act of 2011 Foreclosure Issues S170 - Helping Responsible Homeowners Act of 2011 S222 - Limiting Investor and Homeowner Loss in Foreclosure Act of 2010 HR430 - HAMP Repeal and Deficit Reduction Act of 2011 HR1131 - Preventing Homeowners from Foreclosure Act of 2011 HR1151 - Emergency Mortgage Relief and Neighborhood Stabilization Programs Cost Recoupment Act of 2011 HR839 - HAMP Termination Act of 2011 HR5940 - Preserving American Homeownership Act of 2012 S2080 - Keeping Families in their Home Act of 2012 GSE Modifications S693 - GSE Bailout Elimination and Taxpayer Protection Act S1834 - Residential Mortgage Market Privatization and Standardization Act S1963 - Mortgage Finance Act HR31 - Fannie Mae and Freddie Mac Accountability and Transparency for Taxpayers Act of 2011 HR463 - Fannie Mae and Freddie Mac Transparency Act of 2011 HR1182 - GSE Bailout Elimination and Taxpayer Protection Act HR1221 - Equity in Government Compensation Act of 2011 HR1222 - GSE Subsidy Elimination Act of 2011 HR1223 - GSE Credit Risk Equitable Treatment Act of 2011 HR1224 - GSE Portfolio Risk Reduction Act of 2011 HR1225 - GSE Debt Issuance Approval Act of 2011 HR1226 - GSE Mission Improvement Act of 2011 HR1227 - GSE Risk and Activities Limitation Act of 2011 HR1859 - Housing Finance Reform Act of 2011 HR 2413 - Secondary Market Facility for Residential Mortgages Act of 2011 HR2425 - Transparency and Security in Mortgage Registration Act of 2011 HR2428 - GSE Legal Fee Reduction Act of 2011 HR2436 - Fannie and Freddie Mac Taxpayer Payback Act of 2011 HR2439 - Removing GSEs Charters During Receivership Act HR2440 - Market Transparency and Taxpayer Protection Act HR2441- Housing Trust Fund Elimination Act HR2462 - Cap the GSE Bailout Act HR3644 - Private Mortgage Market Investment Act HR3733 - Affordable Mortgages for Homeowners Act of 2011 S3085 - Responsible Homeowners Refinancing Act Changes in Financial Market Regulations HR87 - A bill to repeal the Dodd-Frank Wall Street Reform and Consumer Protection Act HR1121 - Responsible Consumer Financial Protection Regulations Act of 2011 HR1723 - Common Sense Economic Recovery Act of 2011 HR2126 - Risk Retention Modernization Act of 2011 S967 - Regulation of Mortgage Servicing Act of 2011. Changes to the Federal Reserve System S202 - Federal Reserve Transparency Act of 2011 HR459 - Federal Reserve Transparency Act of 2011 HR1094 - Federal Reserve Board Abolition Act Changes to GSE and FHA Loan Limits HR1754 - Preserving Equal Access to Mortgage Finance Programs Act 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. HR4323 - Consumer Mortgage Choice Act Regulatory Oversight of Covered Bonds S1835 - United States Covered Bond Act of 2011 Improvement of Short Sale Process HR1498 - Prompt Decision for Qualification of Short Sale Act of 2011 S2120 - Prompt Notification of Short Sales Act Changes to the Home Affordable Modification Program HR839 - to amend 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; HRes170 - A resolution providing for consideration of the bill (HR 839) to amend 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; and providing for consideration of the bill (HR 861) to rescind the third round of funding for the Neighborhood Stabilization Program and to terminate the program Oversight of Insured Depository Institutions HR2056 - A bill to instruct the Inspector General of the Federal Deposit Insurance Corporation to study the impact of insured depository institution failures, and for other purposes. Examinations of Depository Institutions HR3461 - Financial Institutions Examination Fairness and Reform Act Availability of Capital for Finance HR940 - United States Covered Bond Act of 2011 HJRes22 - Preserving Capitalism in America Amendment Discussions with the Small Business Administration on the Commercial Refinance Program, 504 Refinance Program. Discussions with the Federal Housing Finance Agency (FHFA) on housing finance issues and the Home Affordable Refinance Program (H.A.R.P.) Conversations with Treasury on Foreclosure Prevention, Government-Sponsored Enterprise (GSE), QRM rules, covered bonds, the Dodd-Frank Act, and banking policy. Discussions with FDIC on QRM Rules, housing finance, covered bonds, and the Dodd-Frank Act. Discussions with the Consumer Financial Protection Bureau (CFPB) on RESPA/Truth in Lending Act (TILA) harmonization, Qualified Mortgage (QM) rules, appraisal independence, housing finance, home warranties, QM/ORM, the Dodd-Frank Act, and mortgage lending services. Discussions with the National Economic Council (NEC) on mortgage cancellation relief and mortgage refinance proposals. Discussions with the White House Office of Public Engagement on mortgage cancellation relief. Discussions with the Securities and Exchange Commission (SEC) on QRM rules and lease accounting. Discussions with the Department of Housing and Urban Development (HUD) on the Federal Housing Administration, QRM rules, and the Dodd-Frank Act. Discussions with the Federal Reserve on the House White Paper, U.S. banking policy, and Basel II. Conversations with the Office of Management and Budget (OMB) on fair value accounting.

Client expense: $10,060,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Army, Dept of (Corps of Engineers), Commerce, Dept of (DOC), Congressional Budget Office (CBO), 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), Government Accountability Office (GAO), 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

Transportation, Housing and Urban Development, and Related Agencies Appropriations Act, 2012 (no bill number assigned) H.R. 4323, Consumer Mortgage Choice Act

Client expense: $76,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Centers For Medicare and Medicaid Services (CMS), Education, Dept of, Federal Reserve System, HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of, White House Office

Transportation, Housing and Urban Development, and Related Agencies Appropriations Act, 2012 (no bill number assigned) H.R. 4323, Consumer Mortgage Choice Act

Client expense: $76,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Centers For Medicare and Medicaid Services (CMS), Education, Dept of, Federal Reserve System, HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of, White House Office

Lobbying issues were: CFPB (encouraging Congress to keep in place an effective federal consumer-focused banking regulator); overdraft loans (encouraging Congress to implement restrictions on abusive overdraft practices); payday loans (encouraging Congress to prohibit abusive products and practices); the future of the GSEs and the federal housing finance system [continued on next page] [continued from previous page] mortgage lending (encouraging Congress to prohibit abusive products and practices); mortgage loan modifications (encouraging Congress to provide incentive for servicers to modify loans to prevent foreclosures) Specific legislation that was the subject of lobbying activity: S. 222 (to allow for voluntary loss mitigation program in bankruptcy) S. 299 (to oppose requirement that major rules of the executive branch would have no force or effect unless a joint resolution of approval is enacted into law) S. 489 (to require minimum mortgage servicing standards) S. 527 (to continue HAMP) S. 690 (to create an Office of the Homeowner Advocate) S. 737 (to keep current regulatory structure of CFPB) S. 824 (to require minimum mortgage servicing standards) S. 967 (to require minimum mortgage servicing standards) S. 1054 (to ensure that the bankruptcy process is fair for consumers) S. 1606 (to oppose reforms to process by which federal agencies analyze/formulate new regulations/guidance documents) S. 1615 (to oppose enhanced economic analysis and justification of regulations proposed by certain federal financial regulators) S. Amdt. 1294 to S. 1867, the Defense Authorization Bill (to enhance consumer credit protections for service members and their families) S. 1963 (to oppose revoking the charters for government-sponsored enterprises and creating a new Mortgage Finance Agency for the securitization of single family and multifamily mortgages, and for other purposes) S. 2072 (a bill to discourage disincentives to the housing missions of GSEs and require consistent putback risks at the enterprises to assist homeowners) S. 2909 (a bill to require closing costs to be paid by the enterprises with respect to certain refinanced mortgage loans, and for other purposes) S. 3047 (a bill to encourage responsible homeowners to refinance mortgages, and for other purposes) S. 3085 (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. 4041 (to amend Electronic Fund Transfer Act to provide protection for consumers with prepaid cards, and other purposes) H.R. 10 (to oppose requirement that major rules of the executive branch would have no force or effect unless a joint resolution of approval is enacted into law) H.R. 31 (to ensure that there is a secondary market to serve low- and moderate-income communities) H.R. 527 (to oppose a complete analysis of potential impacts on small entities of rules, and for other purposes) H.R. 830 (to continue FHA short refinance program) [continued from previous page] H.R. 836 (to continue the Emergency Homeowner Relief Program) H.R. 839 (to continue HAMP) H.R. 861 (to continue NSP) H.R. 1121 (to keep current regulatory structure of CFPB) H.R. 1221 -- HR 1227 (to ensure that there is a secondary market to serve low- and moderate-income communities) H.R. 1315 (to keep current FSOC veto authority structure in CFPB) H.R. 1355 (to maintain the current CFPB regulatory structure and funding system) H.R. 1477 & 1567 (to require minimum mortgage servicing standards) H.R. 1677 (to keep the current CFPB transfer date in place) H.R. 1697 (to oppose amendments to the Consumer Financial Protection Act of 2010) H.R. 1783 (to require minimum mortgage servicing standards) H.R. 1909 (to oppose the federal chartering of Federal Financial Servicing and Credit Companies) H.R. 2081 (to keep the current CFPB regulatory structure) H.R. 3010 (to oppose reforms to the process by which federal agencies analyze and formulate new regulations and guidance documents) H.R. 3077 (to ensure customers have the right to close depository accounts without unreasonable cost or other barriers) H.R. 3461 (to oppose purported improvements to the examination of depository institutions, and for other purposes) H.R. 3644 (to oppose purported standardization and transparency in the mortgage backed security system) H.R. 4101 (to oppose amending the Fair Debt Collection Practices Act to exempt a debt collector from liability when leaving certain voice messages for a consumer) H.R. 4323 (to oppose amending the Truth in Lending Act to change the definitions provided for points and fees in connection with a mortgage transaction) Bills under discussion/not yet introduced: Senate legislation to enhance protections on consumer credit for members of the armed forces and their dependents. Senate legislation to amend the Truth in Lending Act to address certain issues related to the extension of consumer credit, and for other purposes. Senate legislation to amend the Truth in Lending Act to establish a national usury rate for consumer credit transactions. Senate legislation on government sponsored enterprises (to ensure that there is a secondary market to serve low- and moderate-income communities) Senate legislation on checking account overdraft practices (to require fair practices related to overdraft fees) Senate legislation to protect consumers from abusive Internet payday lending practices Senate legislation to address abusive payday lending practices House legislation on debit cards (to ensure there are fair consumer protections for debit card users) House legislation on the federal Fair Debt Collection Practices Act (to ensure consumers' privacy rights regarding voice messages left by debt collectors) House legislation on checking account overdraft practices (to require fair practices related to overdraft fees) [continued from previous page] Executive branch agencies and issues: Consumer Financial Protection Bureau overdraft fees, bank payday loans, payday loans, mortgage servicing, larger nonbank participants, credit cards, prepaid cards, auto lending, rules to be enforced, lending issues as related to military, interim legal authorities, Alternative Mortgage Transaction Parity Act (AMTPA), mortgage origination rules, depository supervision, qualified mortgage Dept of the Treasury--Office of the Comptroller of the Currency overdraft fees, bank payday loans, preemption, risk retention rules, servicing standards, servicing consent order/independent foreclosure review, mortgage origination rules Dept of the Treasury HAMP, GSE reform, risk retention rules, mortgage origination rules Federal Reserve Board overdraft fees, bank payday loans, mortgage origination rules, risk retention rules, servicing standards, credit card rules, interchange revenue, Dodd-Frank implementation, servicing consent order/independent foreclosure review FDIC -- overdraft fees, risk retention rules, servicing standards, bank payday loans, prepaid cards National Credit Union Administration -- regulation of credit union service organizations, payday lending Federal Trade Commission -- auto financing HUD -- GSE reform, risk retention rules, mortgage origination rules White House -- foreclosure prevention, risk retention rules, mortgage refinance Federal Housing Finance Administration -- foreclosure prevention, servicing standards

Client expense: $280,000 · Firm income: Not reported

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

Client expense: $702,000 · 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. 3606, Reopening American Capital Markets to Emerging Growth Companies Act of 2012. All Provisions. Increases American job creation and economic growth by improving access to the public capital markets for emerging growth companies. 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: $702,000 · 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

Please see addendum H.R. 31-Fannie Mae and Freddie Mac Accountability and Transparency for Taxpayers Act, all provisions H.R. 463, Fannie Mae and Freddie Mac Transparency Act, all provisions H.R. 1081, Consumer Payment System Payments Act, all provisions H.R. 1121-Responsible Consumer Financial Protection Regulations Act of 2011, all provisions H.R. 1174, Internet Gambling Regulation, Consumer Protection, and Enforcement Act. H.R. 1221-Equity in Government Compensation Act of 2011, all provisions H.R. 1222-GSE Subsidy Elimination Act of 2011, all provisions H.R. 1223, GSE Credit Rish Equitable Treatment Act, all provisions H.R. 1224-Portfolio Risk Reduction Act of 2011, all provisions H.R. 1225-GSE Debt Issuance Approval Act of 2011, all provisions H.R. 1226-GSE Mission Improvement Act of 2011, all provisions H.R. 1227-GSE Risk and Activities Limitation Act of 2011, all provisions H.R. 1309-Flood Insurance Reform Act, all provisions H.R. 1315-Consumer Financial Protection Safety and Soundness Improvement Act of 2011, all provisons H.R. 1418-Small Business Lending Enhancement Act, all provisions H.R. 1667, Bureau of Consumer Financial Protection Transfer Clarification Act, all provisions H.R. 1697, Communities First Act, all provisions H.R. 1723, the Common Sense Economic Recovery Act, all provisions H.R. 1754, Preserving Equal Access to Mortgage Finance Programs, all provisions H.R. 1859, Housing Finance Reform Act, all provisions H.R. 1965, to amend the securities laws to establish certain thresholds for shareholders, all provisions H.R. 2413, the Secondary Market Facility or Residential Mortgage Act, all provisions H.R. 2436, Fannie Mae and Freddie Mac Taxpayer Payback Act, all provisions H.R. 2439, Removing GSE Charters During Receivership Act, all provisions H.R. 2462, Cap the GSE Bailout Act, all provisions H.R. 2930, the Entrepreneur Access to Capital Act, all provisions H.R. 3461, the Financial Institution Examination Fairness and Reform Act, all provisions H.R. 3606, the Jumpstart Our Business Startups Act, Title VI, provisions related to shareholder threshold for registration H.R. 3630, the Middle Class Tax Relief and Job Creation Act, provisions related to the National Flood Insurance Program and provisions related to mortgage fees and premiums H.R. 3993, Capital Access for Small Business Jobs Act, all provisions H.R. 4217, Mutual Community Bank Competitive Equality Act, all provisions S. 170, the Helping Responsible Homeowners Act, all provisions S. 509, Small Business Lending Enhancement Act, all provisions S. 575, Debit Interchange Fee Study Act, all provisions S. 967, the Regulation of Mortgages Servicing Act, all provisions S. 1151, Personal Data Privacy and Security Act, provisions related to entities covered by the Gamm-Leach Blaley Act. S. 1207, the Data Security and Breach Notification Act, all provisions S. 1408, Data Breach Notification Act of 2011, all provisions S. 1434, Data Security Act of 2011, all provisions S. 1535, Personal Data Protection and Breach Accountability Act, all provisions S. 1600, Communities First Act, all provisions S. 1615, Financial Regulatory Responsibility Act, all provisions S. 556, to amend the securities laws to establish certain thresholds for shareholders, all provisions S. 1549, the American Jobs Act, amendments related to credit union member business lending S. 1660, the American Jobs Act, amendments related to credit union member business lending. S. 1824, the Private Company Flexibility and Growth Act, all provisions S. 1941, to amend the securities laws to establish certain thresholds for shareholders, all provisions S. 1958, a bill to extend the National Flood Insurance Program until May 31, 2012, all provisions S. 2111, the Cyber Crime Protection Security Act, all provisions S. 2160, the Financial Institution Examination Fairness and Reform Act, all provisions S. 2231, Small Business Lending Enhancement Act, all provisions Lucas Amendment to H. R. 1309, related to force placed insurance S. Amdt 267 to S. 495, related to debit interchange fee study, all provisions S. Amdt 242 to S. 495, related to credit union business lending, all provisions S. Amdt 392 to S. 782, related to debit interchange fee regulation, all provisions Implementation of Title VII of the Dodd-Frank Wall Street Reform and Consumer Financial Protection Act related to the definition of "Swap Dealer" and the Swaps End User Exemption. Implementation of Section 1075 of the Dodd-Frank Wall Street Reform and Consumer Financial Protection Act related to debit interchange fee regulation Issues related to the NCUA's proposed rule related to credit union service organizations Issues related to mobile banking and mobile payments Issues related to the vacancy on the National Credit Union Administration Board Issues related to the NCUA Rule on Net Worth and Bargain Purchase Agreements Issues related to the proposed CFPB form on RESPA/TILA Issues related to the Regulation of Regulation Z/Multi-Feature Open-End Lending Issues related to Credit Union field of membership Issues related to Credit Union Service Organizations (CUSO) Issues related to credit union operations Issues related to National Credit Union Administration examination procedures Issues related to Financial Accounting Standards Board Issues related to the implementation of the Unlawful Internet Gambling Prohibition Act Issues related to Mark-to-Market accounting Issues related to NCUA's Statute of Limitations Proposal Issues related to credit union indemnification, golden parachutes and other benefits Issues related to data security and cyber security Issues related to NCUAs proposed rule regarding loan participations Issues related to private equity standards Issues related to NCUAs regulation regarding its Regulatory Flexibility Program Issues related to overdraft protection programs and check ordering practices House Financial Services Committee Draft bill entitled the Private Mortgage Market Investment Act, all provisions H.R. 1207, Data Security and Breach Notification Act, all provisions H.R. 3336, the Small Business Credit Availability Act, all provisions H.R. 4323, the Consumer Mortgage Choice Act, all provisions H.R. 4367, related to ATM fee disclosure requirements, all provisions H.R. 4348, MAP-21 Act, Title II, provisions related to the National Flood Insurance Program and issues related to interchange fee regulation and the study therof by various federal agencies H.R. 5740, National Flood Insurance Program Extension Act, all provisions H.R. 5817, Eliminate Privacy Notice Confusion Act, all provisions S. 2105, Cybersecurity Act of 2012, all provisions S. 3085, the Responsible Homeowner Refinancing Act, all provisions S. 3204, related to ATM fee disclosure requirements, all provisions Issues related to the FDIC's Transaction Account Guarantee Program Issues related to the NCUSIF's Transaction Account Guarantee Program

Client expense: $1,171,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Commodity Futures Trading Commission (CFTC), Executive Office of the President (EOP), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Justice, Dept of (DOJ), Natl Credit Union Administration (NCUA), Office of Government Ethics (OGE), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of

Implementation of Section 1032 of PL 111-203, Dodd-Frank Wall Street Reform and Consumer Protection Act, provisions related to combining mortgage disclosure provisions under Real Estate Settlement Procedures Act (RESPA) and Truth in Lending Act (TILA). Implementation of Section 941 of PL 111-203, Dodd-Frank Wall Street Reform and Consumer Protection Act, provisions related to Qualified Residential Mortgages (QRM). Contacted Consumer Financial Protection Bureau. Implementation of Sections 1411, 1412 and 1413 of PL 111-203, Dodd-Frank Wall Street Reform and Consumer Protection Act, provisions related to ability to repay standard and qualified mortgage safe harbor. H.R. 4323, Consumer Mortgage Choice Act, a bill to amend the Truth in Lending Act with respect to the definitions provided for points and fees in connection with a mortgage transaction. HR 940, United States Covered Bond Act, to establish standards for covered bond programs and a covered bond regulatory oversight program; entire bill. HR 1182, GSE Bailout Elimination and Taxpayer Protection Act, to establish a term certain for the conservatorships of Fannie Mae and Freddie Mac, to provide conditions for continued operation of such enterprises, and to provide for the wind down of such operations and the dissolution of such enterprises; entire bill. HR 1222, GSE Subsidy Elimination Act, a bill to increase the guarantee fees charged by Fannie Mae and Freddie Mac with respect to mortgage-backed securities guaranteed by such enterprises; entire bill. HR 1223, GSE Credit Risk Equitable Treatment Act, a bill to amend 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; entire bill. HR 1859, Housing Finance Reform Act, to ensure the availability of reasonably priced conventional mortgages to borrowers in all economic cycles by encouraging private sector capital support the secondary mortgage market, limiting the role of the Federal government and the exposure to taxpayers; entire bill. HR 2413, Secondary Market Facility for Residential Mortgages Act, to establish a sustainable Federal Secondary Market Facility for Residential Mortgages that is financed by private capital, to terminate the conservatorships of Fannie Mae and Freddie Mac and repeal the charter Acts of such enterprises, and for other purposes; entire bill. S.1963, Mortgage Finance Act of 2011, a bill to establish a Mortgage Finance Agency, which shall be an independent agency of the Federal Government; entire bill. S. 1834, Residential Mortgage Market Privatization and Standardization Act of 2011, a bill to restore and repair the United States mortgage markets by making them transparent, bringing in private capital, winding down the Government-sponsored enterprises, and for other purposes; entire bill. General education regarding Consumer Financial Protection Bureau's supervision of mortgage servicing. General education regarding the Federal Reserve's white paper entitled, "The U.S. Housing Market: Current Conditions and Policy Considerations." S. 3085, the Responsible Homeowner Refinancing Act, 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; entire bill.

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

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Office of Management & Budget (OMB), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of

H.R. 2086 and S. 2149, the Medical Debt Responsibility Act H.R. 4323 - The Consumer Mortgage Choice Act (entire bill) No Bill: Congressional Oversight of the FDIC Structureed Transaction Plan

Client expense: Not reported · Firm income: $70,000

Government targets: Army, Dept of (Corps of Engineers), Energy, Dept of, Environmental Protection Agency (EPA), Federal Deposit Insurance Corporation (FDIC), Federal Highway Administration (FHA), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE, Treasury, Dept of

Over-regulation of small lenders, including the Qualified Mortgage rule; GSE/secondary market reform. Also HR 4323, making sure affiliated servicer providers not being unfairly disadvantaged under the RESPA/TILA 3% rule.

Client expense: Not reported · Firm income: $24,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

G fee diversion in federal budget from mortgage secondary markets and FHA; 3% RESPA/TILA policy for affiliated entities (HR 4323--Consumer Mortgage Choice Act)

Client expense: Not reported · Firm income: $24,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Dodd-Frank (Qualified Mortgage Exemption, Qualified Residential Mortgage Exemption, HR 4323) GSE reform, Consumer Financial Protection Bureau, FHA guidelines and policy

Client expense: $116,000 · Firm income: Not reported

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

Supporting H.R. 4323, The Consumer Mortgage Choice Act, and addressing other issues that limit the discriminatory impact of the definition or implementation of "points and fees" under the Truth in Lending Act on affiliated business arrangements and the ability of consumers to choose their mortgage lender, title company, and settlement service providers when buying a home or refinancing a mortgage

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Supporting H.R. 4323, The Consumer Mortgage Choice Act, and addressing other issues that limit the discriminatory impact of the definition or implementation of "points and fees" under the Truth in Lending Act on affiliated business arrangements and the ability of consumers to choose their mortgage lender, title company, and settlement service providers when buying a home or refinancing a mortgage

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Supporting H.R. 4323, The Consumer Mortgage Choice Act, and addressing other issues that limit the discriminatory impact of the definition or implementation of "points and fees" under the Truth in Lending Act on affiliated business arrangements and the ability of consumers to choose their mortgage lender, title company, and settlement service providers when buying a home or refinancing a mortgage

Client expense: Not reported · Firm income: Not reported

Increase in Credit Union Lending Cap S509 - Small Business Lending Enhancement Act of 2011 S2231 - Small Business Lending Enhancement Act of 2012 HR1418 - Small Business Lending Enhancement Act of 2011 Extension of Temporary SBA Programs HR366 - To provide for an additional temporary extension of programs under the Small Business Act and the Small Business Investment Act of 1958, and for other purposes HR2936 - Small Business Administration Express Loan Extension Act of 2011 Changes in Financial Market Regulations HR87 - A bill to repeal the Dodd-Frank Wall Street Reform and Consumer Protection Act HR1121 - Responsible Consumer Financial Protection Regulations Act of 2011 HR1723 - Common Sense Economic Recovery Act of 2011 HR2126 - Risk Retention Modernization Act of 2011 Changes to the Federal Reserve System S202 - Federal Reserve Transparency Act of 2011 HR459 - Federal Reserve Transparency Act of 2011 HR1094 - Federal Reserve Board Abolition Act Foreclosure Issues S170 - Helping Responsible Homeowners Act of 2011 S222 - Limiting Investor and Homeowner Loss in Foreclosure Act of 2010 HR430 - HAMP Repeal and Deficit Reduction Act of 2011 HR1131 - Preventing Homeowners from Foreclosure Act of 2011 HR1151 - Emergency Mortgage Relief and Neighborhood Stabilization Programs Cost Recoupment Act of 2011 HR839 - HAMP Termination Act of 2011 GSE Modifications S693 - GSE Bailout Elimination and Taxpayer Protection Act S1834 - Residential Mortgage Market Privatization and Standardization Act S1963 - Mortgage Finance Act HR31 - Fannie Mae and Freddie Mac Accountability and Transparency for Taxpayers Act of 2011 HR463 - Fannie Mae and Freddie Mac Transparency Act of 2011 HR1182 - GSE Bailout Elimination and Taxpayer Protection Act HR1221 - Equity in Government Compensation Act of 2011 HR1222 - GSE Subsidy Elimination Act of 2011 HR1223 - GSE Credit Risk Equitable Treatment Act of 2011 HR1224 - GSE Portfolio Risk Reduction Act of 2011 HR1225 - GSE Debt Issuance Approval Act of 2011 HR1226 - GSE Mission Improvement Act of 2011 HR1227 - GSE Risk and Activities Limitation Act of 2011 HR1859 - Housing Finance Reform Act of 2011 HR 2413 - Secondary Market Facility for Residential Mortgages Act of 2011 HR2425 - Transparency and Security in Mortgage Registration Act of 2011 HR2428 - GSE Legal Fee Reduction Act of 2011 HR2436 - Fannie and Freddie Mac Taxpayer Payback Act of 2011 HR2439 - Removing GSEs Charters During Receivership Act HR2440 - Market Transparency and Taxpayer Protection Act HR2441- Housing Trust Fund Elimination Act HR2462 - Cap the GSE Bailout Act HR3644 - Private Mortgage Market Investment Act Changes to GSE and FHA Loan Limits HR1754 - Preserving Equal Access to Mortgage Finance Programs Act 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. HR4323 - Consumer Mortgage Choice Act Regulatory Oversight of Covered Bonds S1835 - United States Covered Bond Act of 2011 Improvement of Short Sale Process HR1498 - Prompt Decision for Qualification of Short Sale Act of 2011 S2120 - Prompt Notification of Short Sales Act Changes to the Home Affordable Modification Program HR839 - to amend 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; HRes170 - A resolution providing for consideration of the bill (HR 839) to amend 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; and providing for consideration of the bill (HR 861) to rescind the third round of funding for the Neighborhood Stabilization Program and to terminate the program Oversight of Insured Depository Institutions HR2056 - A bill to instruct the Inspector General of the Federal Deposit Insurance Corporation to study the impact of insured depository institution failures, and for other purposes. Examinations of Depository Institutions HR3461 - Financial Institutions Examination Fairness and Reform Act Availability of Capital for Finance HR940 - United States Covered Bond Act of 2011 HJRes22 - Preserving Capitalism in America Amendment Discussions with the Small Business Administration on the Commercial Refinance Program. Discussions with the Federal Housing Finance Agency (FHFA) on housing finance issues. Conversations with Treasury on Foreclosure Prevention, Government-Sponsored Enterprise (GSE), and QRM rules. Discussions with FDIC on QRM Rules, housing finance, and covered bonds. Discussions with the Consumer Financial Protection Bureau (CFPB) on RESPA/Truth in Lending Act (TILA) harmonization, Qualified Mortgage (QM) rules, appraisal independence, housing finance, home warranties, and QM/ORM. Discussions with the National Economic Council (NEC) on mortgage cancellation relief. Discussions with the White House Office of Public Engagement on mortgage cancellation relief. Discussions with the Securities and Exchange Commission (SEC) on QRM rules. Discussions with the Department of Housing and Urban Development (HUD) on the Federal Housing Administration and QRM rules. Discussions with the Federal Reserve on the House White Paper and U.S. banking policy. Conversations with the Office of Management and Budget (OMB) on fair value accounting.

Client expense: $6,060,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Army, Dept of (Corps of Engineers), Commerce, Dept of (DOC), Congressional Budget Office (CBO), 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), Government Accountability Office (GAO), 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

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 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 Changes to the Truth in Lending Act HR4323 - Consumer Mortgage Choice Act Discussions with the Federal Housing Administration (FHA) withtin the Department of Housing and Urban Development (HUD) on condominium issues, the 203(k) program, Section 8 housing, and seller concessions. Discussions with the Department of Agriculture, Rural Development office on multifamily housing. Discussions with the Federal Housing Finance Agency on the Real Estate Owned (REO) to rental pilot program and REO bulk sales.

Client expense: $6,060,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Army, Dept of (Corps of Engineers), Commerce, Dept of (DOC), Congressional Budget Office (CBO), 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), Government Accountability Office (GAO), 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

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 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 Changes to the Truth in Lending Act HR4323 - Consumer Mortgage Choice Act Discussions with the Federal Housing Administration (FHA) withtin the Department of Housing and Urban Development (HUD) on condominium issues, the 203(k) program, Section 8 housing, and seller concessions. Discussions with the Department of Agriculture, Rural Development office on multifamily housing. Discussions with the Federal Housing Finance Agency on the Real Estate Owned (REO) to rental pilot program and REO bulk sales.

Client expense: $6,060,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Army, Dept of (Corps of Engineers), Commerce, Dept of (DOC), Congressional Budget Office (CBO), 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), Government Accountability Office (GAO), 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

Increase in Credit Union Lending Cap S509 - Small Business Lending Enhancement Act of 2011 S2231 - Small Business Lending Enhancement Act of 2012 HR1418 - Small Business Lending Enhancement Act of 2011 Extension of Temporary SBA Programs HR366 - To provide for an additional temporary extension of programs under the Small Business Act and the Small Business Investment Act of 1958, and for other purposes HR2936 - Small Business Administration Express Loan Extension Act of 2011 Changes in Financial Market Regulations HR87 - A bill to repeal the Dodd-Frank Wall Street Reform and Consumer Protection Act HR1121 - Responsible Consumer Financial Protection Regulations Act of 2011 HR1723 - Common Sense Economic Recovery Act of 2011 HR2126 - Risk Retention Modernization Act of 2011 Changes to the Federal Reserve System S202 - Federal Reserve Transparency Act of 2011 HR459 - Federal Reserve Transparency Act of 2011 HR1094 - Federal Reserve Board Abolition Act Foreclosure Issues S170 - Helping Responsible Homeowners Act of 2011 S222 - Limiting Investor and Homeowner Loss in Foreclosure Act of 2010 HR430 - HAMP Repeal and Deficit Reduction Act of 2011 HR1131 - Preventing Homeowners from Foreclosure Act of 2011 HR1151 - Emergency Mortgage Relief and Neighborhood Stabilization Programs Cost Recoupment Act of 2011 HR839 - HAMP Termination Act of 2011 GSE Modifications S693 - GSE Bailout Elimination and Taxpayer Protection Act S1834 - Residential Mortgage Market Privatization and Standardization Act S1963 - Mortgage Finance Act HR31 - Fannie Mae and Freddie Mac Accountability and Transparency for Taxpayers Act of 2011 HR463 - Fannie Mae and Freddie Mac Transparency Act of 2011 HR1182 - GSE Bailout Elimination and Taxpayer Protection Act HR1221 - Equity in Government Compensation Act of 2011 HR1222 - GSE Subsidy Elimination Act of 2011 HR1223 - GSE Credit Risk Equitable Treatment Act of 2011 HR1224 - GSE Portfolio Risk Reduction Act of 2011 HR1225 - GSE Debt Issuance Approval Act of 2011 HR1226 - GSE Mission Improvement Act of 2011 HR1227 - GSE Risk and Activities Limitation Act of 2011 HR1859 - Housing Finance Reform Act of 2011 HR 2413 - Secondary Market Facility for Residential Mortgages Act of 2011 HR2425 - Transparency and Security in Mortgage Registration Act of 2011 HR2428 - GSE Legal Fee Reduction Act of 2011 HR2436 - Fannie and Freddie Mac Taxpayer Payback Act of 2011 HR2439 - Removing GSEs Charters During Receivership Act HR2440 - Market Transparency and Taxpayer Protection Act HR2441- Housing Trust Fund Elimination Act HR2462 - Cap the GSE Bailout Act HR3644 - Private Mortgage Market Investment Act Changes to GSE and FHA Loan Limits HR1754 - Preserving Equal Access to Mortgage Finance Programs Act 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. HR4323 - Consumer Mortgage Choice Act Regulatory Oversight of Covered Bonds S1835 - United States Covered Bond Act of 2011 Improvement of Short Sale Process HR1498 - Prompt Decision for Qualification of Short Sale Act of 2011 S2120 - Prompt Notification of Short Sales Act Changes to the Home Affordable Modification Program HR839 - to amend 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; HRes170 - A resolution providing for consideration of the bill (HR 839) to amend 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; and providing for consideration of the bill (HR 861) to rescind the third round of funding for the Neighborhood Stabilization Program and to terminate the program Oversight of Insured Depository Institutions HR2056 - A bill to instruct the Inspector General of the Federal Deposit Insurance Corporation to study the impact of insured depository institution failures, and for other purposes. Examinations of Depository Institutions HR3461 - Financial Institutions Examination Fairness and Reform Act Availability of Capital for Finance HR940 - United States Covered Bond Act of 2011 HJRes22 - Preserving Capitalism in America Amendment Discussions with the Small Business Administration on the Commercial Refinance Program. Discussions with the Federal Housing Finance Agency (FHFA) on housing finance issues. Conversations with Treasury on Foreclosure Prevention, Government-Sponsored Enterprise (GSE), and QRM rules. Discussions with FDIC on QRM Rules, housing finance, and covered bonds. Discussions with the Consumer Financial Protection Bureau (CFPB) on RESPA/Truth in Lending Act (TILA) harmonization, Qualified Mortgage (QM) rules, appraisal independence, housing finance, home warranties, and QM/ORM. Discussions with the National Economic Council (NEC) on mortgage cancellation relief. Discussions with the White House Office of Public Engagement on mortgage cancellation relief. Discussions with the Securities and Exchange Commission (SEC) on QRM rules. Discussions with the Department of Housing and Urban Development (HUD) on the Federal Housing Administration and QRM rules. Discussions with the Federal Reserve on the House White Paper and U.S. banking policy. Conversations with the Office of Management and Budget (OMB) on fair value accounting.

Client expense: $6,060,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Army, Dept of (Corps of Engineers), Commerce, Dept of (DOC), Congressional Budget Office (CBO), 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), Government Accountability Office (GAO), 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.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. 3606, Reopening American Capital Markets to Emerging Growth Companies Act of 2012. All Provisions. Increases American job creation and economic growth by improving access to the public capital markets for emerging growth companies. 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: $684,000 · 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

Implementation of Section 1032 of PL 111-203, Dodd-Frank Wall Street Reform and Consumer Protection Act, provisions related to combining mortgage disclosure provisions under Real Estate Settlement Procedures Act (RESPA) and Truth in Lending Act (TILA). Implementation of Section 941 of PL 111-203, Dodd-Frank Wall Street Reform and Consumer Protection Act, provisions related to Qualified Residential Mortgages (QRM). Contacted Consumer Financial Protection Bureau. Implementation of Sections 1411, 1412 and 1413 of PL 111-203, Dodd-Frank Wall Street Reform and Consumer Protection Act, provisions related to ability to repay standard and qualified mortgage safe harbor. H.R. 4323, Consumer Mortgage Choice Act, a bill to amend the Truth in Lending Act with respect to the definitions provided for points and fees in connection with a mortgage transaction. HR 940, United States Covered Bond Act, to establish standards for covered bond programs and a covered bond regulatory oversight program; entire bill. HR 1182, GSE Bailout Elimination and Taxpayer Protection Act, to establish a term certain for the conservatorships of Fannie Mae and Freddie Mac, to provide conditions for continued operation of such enterprises, and to provide for the wind down of such operations and the dissolution of such enterprises; entire bill. HR 1222, GSE Subsidy Elimination Act, a bill to increase the guarantee fees charged by Fannie Mae and Freddie Mac with respect to mortgage-backed securities guaranteed by such enterprises; entire bill. HR 1223, GSE Credit Risk Equitable Treatment Act, a bill to amend 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; entire bill. HR 1859, Housing Finance Reform Act, to ensure the availability of reasonably priced conventional mortgages to borrowers in all economic cycles by encouraging private sector capital support the secondary mortgage market, limiting the role of the Federal government and the exposure to taxpayers; entire bill. HR 2413, Secondary Market Facility for Residential Mortgages Act, to establish a sustainable Federal Secondary Market Facility for Residential Mortgages that is financed by private capital, to terminate the conservatorships of Fannie Mae and Freddie Mac and repeal the charter Acts of such enterprises, and for other purposes; entire bill. S.1963, Mortgage Finance Act of 2011, a bill to establish a Mortgage Finance Agency, which shall be an independent agency of the Federal Government; entire bill. S. 1834, Residential Mortgage Market Privatization and Standardization Act of 2011, a bill to restore and repair the United States mortgage markets by making them transparent, bringing in private capital, winding down the Government-sponsored enterprises, and for other purposes; entire bill. General education regarding Consumer Financial Protection Bureau's supervision of mortgage servicing. General education regarding the Federal Reserve's white paper entitled, "The U.S. Housing Market: Current Conditions and Policy Considerations."

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

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Office of Management & Budget (OMB), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of