National Flood Insurance Program Extension Act

Monitoring issues re to the extension & reform of Nat'l Flood Ins. Prog. as well as Multi-peril ins, particularly HR1309/HR5740 Issues related to supporting the National Assoc of Registered Agents and Brokers Reform Act, particularly HR1112 and S. 2342. Monitor issues re to implementation of health ins reform, specifically retaining a private sector role for ins brokers in health care reform & employee benefits. Support for excluding broker commisions from the medical loss ratio calculation related to health care reform implementation, particularly HR1206 and S2068, Access to Independent Health Ins. Advisors Act.. Monitor efforts to make changes in the Dodd-Frank Act, as they may relate to insurance. Issues related to implementing the law modernizing the regulation of surplus lines insurance. Issues related to supporting an Optional Federal Charter for Insurers. Monitor the activities of the Federal Insurance Office and the development of insurance modernization proposals. Monitor and/or provide information regarding cybersecurity issues, particularly regarding H.R. 3674, Enhancing Cybersecurity and Information Sharing Effectiveness Act; S.2105, Cybersecurity Act of 2012; and H.R. 3523, Cyber Inteligence Protection and Sharing Act. Monitor issues related to Iran Sanctions and insurance coverages. Monitor issues related to possible tax proposals affecting insurance. Discuss issues related to the need for a possible extension of the Terrorism Risk Insurance Act, which expires during the 113th Congress.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to providing for a long-term reauthorization and meaningful reform of the National Flood Insurance Program (NFIP). Monitor progress to establish a system of regulation and supervision for insurers, insurance agencies, and insurance producers chartered or licensed under federal law that ensures the stability and financial integrity of those insurers, agencies and producers and that protects policyholders and other consumers served by such insurers, agencies or producers. Monitor issues related to HR 1424, Emergency Economic Stabilization Act of 2008. Issues relating to the Implementation of Dodd-Frank Wall Street Reform and Consumer Protection Act (Pub. L. 111-203), specifically as it applies to insurance regulation. International tax and Financial Crisis Responsibility Fee proposals. Federal Regulation of Insurance - McCarran/Ferguson Act. Issues related to the systemic risk designation process. Issues related to the creation of the Federal Insurance Office. HR 5740/S.1864, a bill to extend the National Flood Insurance Program, and other purposes. S.1940, a bill to amend the National Flood Insurance Act of 1968, to restore the financial solvency of the flood insurance fund, and for other purposes. S. 1813, MAP-21 (Moving Ahead for Progress in the 21st Century). HR 4348, Surface Transportation Extension Act of 2012.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

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 S. 3677, A bill to make a technical correction to the Flood Disaster Protection Act of 1973 H.R. 1309, the Flood Insurance Reform Act of 2011 H.R. 5740, A bill to extend the National Flood Insurance Program (NFIP) for 60 days and phase out premium-rate subsidies for people buying second homes and vacation homes in flood-prone areas

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

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

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

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

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

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

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

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 H.R. 1206, the Access to Professional Health Insurance Advisors Act of 2011H.R. 1309, the Flood Insurance Reform Act of 2011 H.R. 5740, that will extend the National Flood Insurance Program (NFIP) for 60 days and phase out premium-rate subsidies for people buying second homes and vacation homes in flood-prone areas

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HR 6423, HR 2107, HR 2608, HR 1018, HR 1026, HR 1112, HR 1309, HR 1430, HR 1453, HR 2055, HR 2078, HR 2126, HR 2582, HR 2958, HR 3559, HR 3628, HR 3630, HR 4020, HR 4348, HR 435, HR 5468, HR 5740, HR 6129, HR 890, S 1091, S 1349,. S 1548, S 1940, S 2025, S 637

Client expense: $720,000 · Firm income: Not reported

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

H. AMDT 990 TO H.R. 5: PROTECTING ACCESS TO HEALTHCARE ACT; ALL PROVISIONS OF THE AMENDMENT H.R. 1309: FLOOD INSURANCE REFORM ACT OF 2011; ALL PROVISIONS OF THE BILL H.R. 3157/S. 1693: A BILL TO AMEND THE INTERNAL REVENUE CODE OF 1986 TO PREVENT THE AVOIDANCE OF TAX BY INSURANCE COMPANIES THROUGH REINSURANCE WITH NON-TAXED AFFILIATES; ALL PROVISIONS OF THE BILL H.R. 3628/S. 1958: A BILL TO EXTEND THE NATIONAL FLOOD INSURANCE PROGRAM UNTIL MAY 31, 2012; ALL PROVISIONS OF THE BILL H.R. 4348: MOVING AHEAD FOR PROGRESS IN THE 21ST CENTURY (MAP-21); PROVISIONS RELATED TO DIVISION F IN CONFERENCE REPORT, PROVISIONS RELATED TO FLOOD INSURANCE H.R. 5284: MEDICARE SECONDARY PAYER AND WORKERS' COMPENSATION SETTLEMENT AGREEMENTS ACT OF 2012; ALL PROVISIONS OF THE BILL H.R. 5740: NATIONAL FLOOD INSURANCE PROGRAM EXTENSION ACT; ALL PROVISIONS OF THE BILL H.R. 5972: TRANSPORTATION, HOUSING AND URBAN DEVELOPMENT, AND RELATED AGENCIES APPROPRIATIONS ACT, 2013; HOUSING AND URBAN DEVELOPMENT FUNDING PROVISIONS RELATED TO THE FUNDING OF NEW REGULATIONS S. 1864: A BILL TO EXTEND THE NATIONAL FLOOD INSURANCE PROGRAM UNTIL SEPTEMBER 30, 2012; ALL PROVISIONS OF THE BILL 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 PROVISIONS OF THE BILL P.L. 111-203 (111TH CONGRESS H.R. 4173): DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT; THE IMPLEMENTATION OF REGULATORY PROVISIONS RELATING TO TITLE I & II OF THE ACT DISCUSSIONS REGARDING DEPARTMENT OF TRANSPORTATION'S ODOMETER DISCLOSURE REQUIREMENTS (TITLE 49, PART 580)

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Transportation, Dept of (DOT), Treasury, Dept of

H.R. 5/S. 1099, Help Efficient, Accessible, Low-cost, Timely Healthcare (HEALTH) Act (entire bill) HR 1309, Flood Insurance Reform Act of 2011(entire bill) S.1864, A bill to extend the National Flood Insurance Program until September 30, 2012 (entire bill) H.R.3139, District of Columbia National Disaster Insurance Protection Act (entire bill) S. 669, Longshore and Harbor Workers' Compensation Act Amendments (entire bill) H.R. 890, Holocaust Insurance Accountability Act (entire bill) S. 466, Restoration of Legal Rights for Claimants Under Holocaust-Era Insurance Policies Act (entire bill) H.R. 1150, Competitive Health Insurance Reform Act (entire bill) H.R. 1063/ S. 1718, Strengthening Medicare and Repaying Tax Payers Act (entire bill) H.R. 2099, Natural Disaster Mitigation Act of 2011 (entire bill) H.R. 2100, Catastrophe Savings Accounts Act of 2011 (entire bill) H.R. 2101, Policyholder Disaster Protection Act of 2011 (entire bill) S. 1091, COASTAL Act of 2011 (entire bill) H.R. 2126, Risk Retention Modernization Act of 2011 (entire bill) S. 1383, Save Child Support Act (Sec 5, Requiring States to Compare Information Maintained by insurers; Sec 6, Data Matching and Registry of Payments made on property and casualty insurance) H.R. 3125, Earthquake Insurance Affordability Act (entire bill) S. 1630, Disaster Recovery Act of 2011 (entire bill) H.R.3534, Security in Bonding Act of 2011 (entire bill) S.1940, Flood Insurance Reform and Modernization Act of 2011 (entire bill) H.R. 5284, Medicare Secondary Payer and Workers Compensation Settlement Agreements Act of 2012 (entire bill) H.R. 5740, National Flood Insurance Program Extension Act (entire bill) H.R. 4348, MAP-21 (Division F; Title II) H.R. 3559, Insurance Data Protection Act (entire bill) Terrorism Risk Insurance Program Reauthorization

Client expense: $310,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of, U.S. Trade Representative (USTR)

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 H.R. 1206, the Access to Professional Health Insurance Advisors Act of 2011 H.R. 1309, the Flood Insurance Reform Act of 2011 H.R. 5740, that will extend the National Flood Insurance Program (NFIP) for 60 days and phase out premium-rate subsidies for people buying second homes and vacation homes in flood-prone areas

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Insurance issues including terrorism risk insurance reauthorization and reauthorization of the National Flood Insurance Program. "Preventing Social Security Fraud Act of 2011" draft bill - disability insurance provisions H.R. 1309 - Flood Insurance Reform Act of 2011 - National Flood Insurance Program reauthorization - all provisions S. 1091 Consumer Option for an Alternative System to Allocate Losses (COASTAL) 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 provisions H.R. 2017 Continuing Appropriations Act, 2012 provisions to reauthorize the National Flood Insurance Program H.R. 2608 Continuing Appropriations Act, 2012 provisions to reauthorize the National Flood Insurance Program H.R. 2112 Consolidated and Further Continuing Appropriations Act, 2012 provisions to reauthorize the National Flood Insurance Program H.R. 4348 - Moving Ahead for Progress in the 21st Century Act (MAP21) Provisions to reauthorize the National Flood Insurance Program H.R. 5740 - National Flood Insurance Program Extension Act all provisions Health care reform issues including Medicare Secondary Payer Act reporting and workers compensation H.R. 1063 Strengthening Medicare and Repaying Taxpayers Act of 2011 all provisions S. 1718 Strengthening Medicare and Repaying Taxpayers Act of 2011 all provisions H.R. 5 Protecting Access to Healthcare Act antitrust provisions H.R. 5284 - Medicare Secondary Payer and Workers' Compensation Settlement Agreements Act of 2012 all provisions

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

Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

H.R. 5740, National Flood Insurance Program Extension Act H.R. 6017 / S. 3320, To authorize the Administrator of the Federal Emergency Management Agency to waive the 30-day waiting period for flood insurance policies purchased for private properties affected by wildfire on Federal lands S. 2344, A bill to extend the National Flood Insurance Program until December 31, 2012 Various issues relating to the Terrorism Risk Insurance Program

Client expense: $31,650,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Defense, Dept of (DOD), Education, Dept of, Energy, Dept of, Equal Employment Opportunity Commission (EEOC), Executive Office of the President (EOP), Federal Highway Administration (FHA), Federal Reserve System, Federal Trade Commission (FTC), Federal Transit Administration (FTA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Interior, Dept of (DOI), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Maritime Administration (MARAD), Natl Economic Council (NEC), Natl Institute of Standards & Technology (NIST), Natl Labor Relations Board (NLRB), Natl Security Council (NSC), Office of Management & Budget (OMB), Office of the Vice President of the United States, Patent & Trademark Office (PTO), Pension Benefit Guaranty Corporation (PBGC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), State, Dept of (DOS), Transportation Security Administration (TSA), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Copyright Office, U.S. Customs & Border Protection, U.S. Trade Representative (USTR), White House Office

Issues related to providing for a long-term reauthorization and meaningful reform of the National Flood Insurance Program (NFIP). Monitor progress to establish a system of regulation and supervision for insurers, insurance agencies, and insurance producers chartered or licensed under federal law that ensures the stability and financial integrity of those insurers, agencies and producers and that protects policyholders and other consumers served by such insurers, agencies or producers. Monitor issues related to HR 1424, Emergency Economic Stabilization Act of 2008. Issues relating to the Implementation of Dodd-Frank Wall Street Reform and Consumer Protection Act (Pub. L. 111-203), specifically as it applies to insurance regulation. International tax and Financial Crisis Responsibility Fee proposals. Federal Regulation of Insurance - McCarran/Ferguson Act. Issues related to the systemic risk designation process. Issues related to the creation of the Federal Insurance Office. HR 5740/S.1864, a bill to extend the National Flood Insurance Program, and other purposes. S.1940, a bill to amend the National Flood Insurance Act of 1968, to restore the financial solvency of the flood insurance fund, and for other purposes. S. 1813, MAP-21 (Moving Ahead for Progress in the 21st Century). HR 4348, Surface Transportation Extension Act of 2012.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HR 5740- National Flood Insurance Program Extension Act, general issues regarding National Flood Insurance; S 3085- Responsible Homeowners Refinancing Act of 2012, general issues relating to mortgage refinancing programs; S 3522- Responsible Homeowners Refinancing Act of 2012, general issues regarding housing and foreclosure; S 3589- Mortgage Modification Outreach Act, general issues regarding housing and foreclosure; General issues regarding FHA Emergency Fiscal Solvency Act.

Client expense: $520,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

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

Regulation of Insurance - General Flood Insurance - General HR 435, Natioanl Flood Insurance Program Termination Act of 2011 HR 1026, Flood Insurance Priorities Act of 2011 HR 1112, National Association of Registered Agents and Brokerss Reform Act of 2011 HR 1309, Flood Insurance Reform Act of 2011 HR 1430, Flood Insurance Choice Act of 2011 HR 2055, Consolidated Appropriations Act HR 2069, Safe Building Codes Incentives Act of 2011 HR 2099, The National Disaster Mitigation Act of 2011 HR 2126, Risk Retention Modernization Act of 2011 HR 3559, Insurance Data Protection Act HR 3630, Middle Class Tax Relief and Jobs Creation Act HR 5740, National Flood Insurance Insurance Program Extension Act S 1091, COASTAL Act S 1548, National Flood Insurance Program Extension Act S 1940, Flood Insurance Reform and Modernization Act S 2342, National Association of Registered Agents and Brokers Reform Act

Client expense: $172,614 · Firm income: Not reported

Government targets: Federal Emergency Management Agency (FEMA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Risk Management Agency, SENATE, Treasury, Dept of

Optional Federal Charter (Generally) H.R. 1112- National Association of Registered Agents and Brokers Reform Act of 2011 (all provisions) H.R. 435- National Flood Insurance Program Termination Act of 2011 (all provisions) H.R. 1026- Flood Insurance Reform Priorities Act of 2011 (all provisions) H.R. 1309- Flood Insurance Reform Act of 2011 (all provisions) H.R. 1430- Flood Insurance Choice Act of 2011 (all provisions) H.R. 48- Federal Life Insurance Transparency Act of 2011 (all provisions) S. 267- Life Insurance Disclosure Act of 2011 (all provisions) H.R. 623- National Worker's Compensation Commission Act of 2011(all provisions) H.R. 677- Lifetime Income Disclosure Act (all provisions) H.R. 2126- Risk Retention Modernization Act of 2011 (all provisions) H.R. 2099- The National Disaster Mitigation Act of 2011 (all provisions) H.R. 2069- Safe Building Codes Incentives Act of 2011 (insurance provisions) S. 1091- Coastal Act (all provisions) H.R. 2055- Consolidated Appropriations Act (flood provisions) H.R. 3630- Temporary Payroll Tax Extension (flood provisions) S. 1548 - National Flood Insurance Program Extension Act (all provisions) S. 1864- Extension of National Flood Insurance Program (all provisions) H.R. 3559 Insurance Data Protection Act S. 1940- Flood Insurance Reform and Modernization Act H.R. 3042- Disaster Loan Fairness Act FEMA Regulation Banning Rebating in NFIP H.R. 3630- Middle Class Tax Relief and Jobs Creation Act (flood provisions) H.R. 2101- Policyholders Disaster Protection Act H.R. 5740- Temporary NFIP Extension H.R. 4348- Surface Transportation Conference Report (flood insurance provisions) S. 2342 - National Association of Registered Agents and Brokers Reform Act (all provisions) H.R. 6415- CLAIM Act Terrorism Risk Insurance Program Reauthorization Flood Insurance Reform Act Implementation H.R. 6186- Voluntary Community-Based Flood Options

Client expense: $330,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Federal Emergency Management Agency (FEMA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Housing & Urban Development, Dept of (HUD), Natl Economic Council (NEC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

Monitoring issues re to the extension & reform of Nat'l Flood Ins. Prog. as well as Multi-peril ins, particularly HR1309/HR5740 Issues related to supporting the National Assoc of Registered Agents and Brokers Reform Act, particularly HR1112 and S. 2342. Monitor issues re to implementation of health ins reform, specifically retaining a private sector role for ins brokers in health care reform & employee benefits. Support for excluding broker commisions from the medical loss ratio calculation related to health care reform implementation, particularly HR1206 and S2068, Access to Independent Health Ins. Advisors Act.. Monitor efforts to make changes in the Dodd-Frank Act, as they may relate to insurance. Issues related to implementing the law modernizing the regulation of surplus lines insurance. Issues related to supporting an Optional Federal Charter for Insurers. Monitor the activities of the Federal Insurance Office and the development of insurance modernization proposals. Monitor and/or provide information regarding cybersecurity issues, particularly regarding H.R. 3674, Enhancing Cybersecurity and Information Sharing Effectiveness Act; S.2105, Cybersecurity Act of 2012; and H.R. 3523, Cyber Inteligence Protection and Sharing Act. Monitor issues related to Iran Sanctions and insurance coverages. Monitor issues related to possible tax proposals affecting insurance. Discuss issues related to the need for a possible extension of the Terrorism Risk Insurance Act, which expires during the 113th Congress.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to considering insurance carriers as a systemic risk stemming from the Dodd-Frank legislation. Monitor issues related to the extension and reform of the National Flood Ins. Program, particularly H.R. 1309, H.R. 5740 and its inclusion in the Transportation bill. Support of an Optional Federal Charter for insurers. Monitor activities of the Federal insurance Office in developing of insurance modernization proposals. Issues related to the Consumer Financial Protection Agency, which was included in the Dodd-Frank Act. Issues related to insurance generally. Monitor efforts to possibly initiate changes to the Dodd-Frank Act as they might relate to insurance. Issues related to supporting the National Association of Registered Agents and Brokers Reform Act, particularly H.R. 1112 and S. 2342. Monitor and/or provide information regarding cybersecurity issues, particularly regarding H.R. 3674, Enhancing Cybersecurity and Information Sharing Effectiveness Act; S.2105, Cybersecurity Act of 2012; and H.R. 3523, Cyber Inteligence Protection and Sharing Act. Discuss issues related to the need for a possible extension of the Terrorism Risk Insurance Act, which expires during the 113th Congress.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

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. H.R. 1206, the Access to Professional Health Insurance Advisors Act of 2011. H.R. 1309, the Flood Insurance Reform Act of 2011. H.R. 5740, that will extend the National Flood Insurance Program (NFIP) for 60 days and phase out premium-rate subsidies for people buying second homes and vacation homes in flood-prone areas.

Client expense: $2,100,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 5740 - National Flood Insurance Program Extension Act; 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; H.R. 1309 - Flood Insurance Reform Act of 2011; H.R. 662 - Surface Transportation Extension Act of 2011, which included S. 1940.

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

Government targets: SENATE

Monitoring issues re to the extension & reform of Nat'l Flood Ins. Prog. as well as Multi-peril ins, particularly HR1309/HR5740 Issues related to supporting the National Assoc of Registered Agents and Brokers Reform Act, particularly HR1112 and S. 2342. Monitor issues re to implementation of health ins reform, specifically retaining a private sector role for ins brokers in health care reform & employee benefits. Support for excluding broker commisions from the medical loss ratio calculation related to health care reform implementation, particularly HR1206 and S2068, Access to Independent Health Ins. Advisors Act.. Monitor efforts to make changes in the Dodd-Frank Act, as they may relate to insurance. Issues related to implementing the law modernizing the regulation of surplus lines insurance. Issues related to supporting an Optional Federal Charter for Insurers. Monitor the activities of the Federal Insurance Office and the development of insurance modernization proposals. Monitor and/or provide information regarding cybersecurity issues, particularly regarding H.R. 3674, Enhancing Cybersecurity and Information Sharing Effectiveness Act; S.2105, Cybersecurity Act of 2012; and H.R. 3523, Cyber Inteligence Protection and Sharing Act. Discuss issues related to the need for a possible extension of the Terrorism Risk Insurance Act, which expires during the 113th Congress.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Bay Area Shoreline Study funding. National Flood Insurance Program (H.R. 5740, H.R. 4348).

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

Government targets: Economic Development Administration, Federal Communications Commission (FCC), HOUSE OF REPRESENTATIVES, Natl Telecommunications & Information Administration (NTIA), Patent & Trademark Office (PTO), SENATE, Treasury, Dept of, Veterans Affairs, Dept of (VA)

HR 2107, HR 2608, HR 1026, HR 1112, HR 1309, HR 1430, HR 1453, HR 2055, HR 2078, HR 2126, HR 2582, HR 2958, HR 3559, HR 3628, HR 3628, HR 3630, HR 4020, HR 4348, HR 435, HR 5648, HR 5740, HR 890, S 1091, S 1349, S 1548, S 1940, S 1958, S 2025, S 637

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

Government targets: Centers For Medicare and Medicaid Services (CMS), Federal Emergency Management Agency (FEMA), HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

H.R. 5/S. 1099, Help Efficient, Accessible, Low-cost, Timely Healthcare (HEALTH) Act (entire bill) HR 1309, Flood Insurance Reform Act of 2011(entire bill) S.1864, A bill to extend the National Flood Insurance Program until September 30, 2012 (entire bill) H.R.3139, District of Columbia National Disaster Insurance Protection Act (entire bill) S. 669, Longshore and Harbor Workers' Compensation Act Amendments (entire bill) H.R. 890, Holocaust Insurance Accountability Act (entire bill) S. 466, Restoration of Legal Rights for Claimants Under Holocaust-Era Insurance Policies Act (entire bill) H.R. 1150, Competitive Health Insurance Reform Act (entire bill) H.R. 1063/ S. 1718, Strengthening Medicare and Repaying Tax Payers Act (entire bill) H.R. 2099, Natural Disaster Mitigation Act of 2011 (entire bill) H.R. 2100, Catastrophe Savings Accounts Act of 2011 (entire bill) H.R. 2101, Policyholder Disaster Protection Act of 2011 (entire bill) S. 1091, COASTAL Act of 2011 (entire bill) H.R. 2126, Risk Retention Modernization Act of 2011 (entire bill) S. 1383, Save Child Support Act (Sec 5, Requiring States to Compare Information Maintained by insurers; Sec 6, Data Matching and Registry of Payments made on property and casualty insurance) H.R. 3125, Earthquake Insurance Affordability Act (entire bill) S. 1630, Disaster Recovery Act of 2011 (entire bill) H.R.3534, Security in Bonding Act of 2011 (entire bill) S.1940, Flood Insurance Reform and Modernization Act of 2011 (entire bill) H.R. 5284, Medicare Secondary Payer and Workers Compensation Settlement Agreements Act of 2012 (entire bill) H.R. 5740, National Flood Insurance Program Extension Act (entire bill) H.R. 4348, MAP-21 (Division F; Title II) H.R. 3559, Insurance Data Protection Act (entire bill)

Client expense: $320,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of, U.S. Trade Representative (USTR)

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. H.R. 1206, the Access to Professional Health Insurance Advisors Act of 2011. H.R. 1309, the Flood Insurance Reform Act of 2011. H.R. 5740, that will extend the National Flood Insurance Program (NFIP) for 60 days and phase out premium-rate subsidies for people buying second homes and vacation homes in flood-prone areas.

Client expense: $2,100,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

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. H.R. 1206, the Access to Professional Health Insurance Advisors Act of 2011. H.R. 1309, the Flood Insurance Reform Act of 2011. H.R. 5740, that will extend the National Flood Insurance Program (NFIP) for 60 days and phase out premium-rate subsidies for people buying second homes and vacation homes in flood-prone areas.

Client expense: $2,100,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Regulation of Insurance - General Flood Insurance - General HR 435, National Flood Insurance Program Termination Act of 2011 HR 1026, Flood Insurance Priorities Act of 2011 HR 1112, National Association of Registered Agents and Brokers Reform Act of 2011 HR 1309, Flood Insurance Reform Act of 2011 HR 1430, Flood Insurance Choice Act of 2011 HR 2055, Consolidated Appropriations Act HR 2069, Saf Building Codes Incentives Act of 2011 HR 2099, The National Disaster Mitigation Act of 2011 HR 2126, Risk Retention Modernization Act of 2011 HR 3559, Insurance Data Protection Act HR 3630, Middle Class Tax Relief and Jobs Creation Act HR 5740, National Flood Insurance Program Extension Act S 1091, COASTAL Act S 1548, National Flood Insurance Program Extension Act S 1940, Flood Insurance Reform and Modernization Act S 2342, National Association of Registered Agents and Brokers Reform Act

Client expense: $193,517 · Firm income: Not reported

Government targets: Federal Emergency Management Agency (FEMA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Risk Management Agency, SENATE, Treasury, Dept of

Insurance issues including terrorism risk insurance reauthorization and reauthorization of the National Flood Insurance Program. "Preventing Social Security Fraud Act of 2011" draft bill - disability insurance provisions H.R. 1309 - Flood Insurance Reform Act of 2011 - National Flood Insurance Program reauthorization - all provisions S. 1091 Consumer Option for an Alternative System to Allocate Losses (COASTAL) 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 provisions H.R. 2017 Continuing Appropriations Act, 2012 provisions to reauthorize the National Flood Insurance Program H.R. 2608 Continuing Appropriations Act, 2012 provisions to reauthorize the National Flood Insurance Program H.R. 2112 Consolidated and Further Continuing Appropriations Act, 2012 provisions to reauthorize the National Flood Insurance Program H.R. 4348 - Moving Ahead for Progress in the 21st Century Act (MAP21) Provisions to reauthorize the National Flood Insurance Program H.R. 5740 - National Flood Insurance Program Extension Act all provisions Health care reform issues including Medicare Secondary Payer Act reporting and workers compensation H.R. 1063 Strengthening Medicare and Repaying Taxpayers Act of 2011 all provisions S. 1718 Strengthening Medicare and Repaying Taxpayers Act of 2011 all provisions H.R. 5 Protecting Access to Healthcare Act antitrust provisions H.R. 5284 - Medicare Secondary Payer and Workers' Compensation Settlement Agreements Act of 2012

Client expense: $610,000 · Firm income: Not reported

Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

H. AMDT 990 TO H.R. 5: PROTECTING ACCESS TO HEALTHCARE ACT; ALL PROVISIONS OF THE AMENDMENT H.R. 1309: FLOOD INSURANCE REFORM ACT OF 2011; ALL PROVISIONS OF THE BILL H.R. 3157/S. 1693: A BILL TO AMEND THE INTERNAL REVENUE CODE OF 1986 TO PREVENT THE AVOIDANCE OF TAX BY INSURANCE COMPANIES THROUGH REINSURANCE WITH NON-TAXED AFFILIATES; ALL PROVISIONS OF THE BILL H.R. 3628/S. 1958: A BILL TO EXTEND THE NATIONAL FLOOD INSURANCE PROGRAM UNTIL MAY 31, 2012; ALL PROVISIONS OF THE BILL H.R. 4348: MOVING AHEAD FOR PROGRESS IN THE 21ST CENTURY (MAP-21); PROVISIONS RELATED TO DIVISION F IN CONFERENCE REPORT, PROVISIONS RELATED TO FLOOD INSURANCE H.R. 5284: MEDICARE SECONDARY PAYER AND WORKERS' COMPENSATION SETTLEMENT AGREEMENTS ACT OF 2012; ALL PROVISIONS OF THE BILL H.R. 5740: NATIONAL FLOOD INSURANCE PROGRAM EXTENSION ACT; ALL PROVISIONS OF THE BILL H.R. 5972: TRANSPORTATION, HOUSING AND URBAN DEVELOPMENT, AND RELATED AGENCIES APPROPRIATIONS ACT, 2013; HOUSING AND URBAN DEVELOPMENT FUNDING PROVISIONS RELATED TO THE FUNDING OF NEW REGULATIONS S. 1864: A BILL TO EXTEND THE NATIONAL FLOOD INSURANCE PROGRAM UNTIL SEPTEMBER 30, 2012; ALL PROVISIONS OF THE BILL 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 PROVISIONS OF THE BILL P.L. 111-57 (111TH CONGRESS H.R. 4173): DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT; THE IMPLEMENTATION OF REGULATORY PROVISIONS RELATING TO TITLE I & II OF THE ACT DISCUSSIONS REGARDING DEPARTMENT OF TRANSPORTATION'S ODOMETER DISCLOSURE REQUIREMENTS (TITLE 49, PART 580)

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Transportation, Dept of (DOT), Treasury, Dept of

HR 5740- National Flood Insurance Program Extension Act, general issues regarding National Flood Insurance; S 3085- Responsible Homeowners Refinancing Act, general issues relating to mortgage refinancing programs; General issues regarding FHA Emergency Fiscal Solvency Act; General issues regarding housing and foreclosure.

Client expense: $450,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

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

Issues related to providing for a long-term reauthorization and meaningful reform of the National Flood Insurance Program (NFIP). Monitor progress to establish a system of regulation and supervision for insurers, insurance agencies, and insurance producers chartered or licensed under federal law that ensures the stability and financial integrity of those insurers, agencies and producers and that protects policyholders and other consumers served by such insurers, agencies or producers. Monitor issues related to HR 1424, Emergency Economic Stabilization Act of 2008. Issues relating to the Implementation of Dodd-Frank Wall Street Reform and Consumer Protection Act (Pub. L. 111-203), specifically as it applies to insurance regulation. International tax and Financial Crisis Responsibility Fee proposals. Federal Regulation of Insurance - McCarran/Ferguson Act. Issues related to the systemic risk designation process. Issues related to the creation of the Federal Insurance Office. HR 5740/S.1864, a bill to extend the National Flood Insurance Program, and other purposes. S.1940, a bill to amend the National Flood Insurance Act of 1968, to restore the financial solvency of the flood insurance fund, and for other purposes. S. 1813, MAP-21 (Moving Ahead for Progress in the 21st Century). HR 4348, Surface Transportation Extension Act of 2012.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Optional Federal Charter (Generally) H.R. 1112- National Association of Registered Agents and Brokers Reform Act of 2011 (all provisions) H.R. 435- National Flood Insurance Program Termination Act of 2011 (all provisions) H.R. 1026- Flood Insurance Reform Priorities Act of 2011 (all provisions) H.R. 1309- Flood Insurance Reform Act of 2011 (all provisions) H.R. 1430- Flood Insurance Choice Act of 2011 (all provisions) H.R. 48- Federal Life Insurance Transparency Act of 2011 (all provisions) S. 267- Life Insurance Disclosure Act of 2011 (all provisions) H.R. 623- National Worker's Compensation Commission Act of 2011(all provisions) H.R. 677- Lifetime Income Disclosure Act (all provisions) H.R. 2126- Risk Retention Modernization Act of 2011 (all provisions) H.R. 2099- The National Disaster Mitigation Act of 2011 (all provisions) H.R. 2069- Safe Building Codes Incentives Act of 2011 (insurance provisions) S. 1091- Coastal Act (all provisions) H.R. 2055- Consolidated Appropriations Act (flood provisions) H.R. 3630- Temporary Payroll Tax Extension (flood provisions) S. 1548 - National Flood Insurance Program Extension Act (all provisions) S. 1864- Extension of National Flood Insurance Program (all provisions) H.R. 3559 Insurance Data Protection Act S. 1940- Flood Insurance Reform and Modernization Act H.R. 3042- Disaster Loan Fairness Act FEMA Regulation Banning Rebating in NFIP H.R. 3630- Middle Class Tax Relief and Jobs Creation Act (flood provisions) H.R. 2101- Policyholders Disaster Protection Act H.R. 5740- Temporary NFIP Extension H.R. 4348- Surface Transportation Conference Report (flood insurance provisions) S. 2342 - National Association of Registered Agents and Brokers Reform Act (all provisions)

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

Government targets: Agriculture, Dept of (USDA), Federal Emergency Management Agency (FEMA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Natl Economic Council (NEC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

HR 5740 - To extend the National Flood Insurance Program, and for other purposes

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

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

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

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

Issues related to considering insurance carriers as a systemic risk stemming from the Dodd-Frank legislation. Monitor issues related to the extension and reform of the National Flood Ins. Program, particularly H.R. 1309, H.R. 5740 and its inclusion in the Transportation bill. Support of an Optional Federal Charter for insurers. Monitor activities of the Federal insurance Office in developing of insurance modernization proposals. Issues related to the Consumer Financial Protection Agency, which was included in the Dodd-Frank Act. Issues related to insurance generally. Monitor efforts to possibly initiate changes to the Dodd-Frank Act as they might relate to insurance. Issues related to supporting the National Association of Registered Agents and Brokers Reform Act, particularly H.R. 1112 and S. 2342. Monitor and/or provide information regarding cybersecurity issues, particularly regarding H.R. 3674, Enhancing Cybersecurity and Information Sharing Effectiveness Act; S.2105, Cybersecurity Act of 2012; and H.R. 3523, Cyber Inteligence Protection and Sharing Act. Discuss issues related to the need for a possible extension of the Terrorism Risk Insurance Act, which expires during the 113th Congress.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of