21st Century Housing Act

* HR5039 -- "Saving America's Rural Housing Act" HR798 -- "The Methamphetamine Remediation Research Act" HR3043 -- "Zero Downpayment Pilot Program Act" -- authorizes HUD to establish a zero down mortgage insurance product HR5121/S3535 -- "Expanding American Homeownership Act" -- reforms the FHA program. S3173 -- "21st Century Housing Act" -- reforms the FHA program. HR176 -- "FHA Single Family Loan Limit Adjustment Act" -- allows FHA mortgage limits to be adjusted to facilitate homeownership in high-cost areas. 7

Client expense: $6,280,000 · Firm income: Not reported

Government targets: Environmental Protection Agency (EPA), Federal Communications Commission (FCC), Federal Emergency Management Agency (FEMA), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Interior, Dept of (DOI), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Office of Management & Budget (OMB), SENATE, Small Business Administration (SBA), Treasury, Dept of, Veterans Affairs, Dept of (VA)

S. 190. "The Federal Housing Enterprise Regulatory Reform Act of 2005." - A bill to address the regulation of secondary mortgagemarket government-sponsored enterprises. (All provisions). H.R. 1295: "Responsible Lending Act." A bill to protect consumers against unfair and deceptive practices in connection with higher cost mortgage transactions. (Provisions relating to uniform lending standards, civil remedies available to consumers, licensing and minimum standards for mortgage brokers, and other provisions). H.R. 4100: "The Louisiana Recovery Corporation Act." A bill to establish the Louisiana Recovery Corporation to redevelop areas within Louisiana that were devastated or significantly distressed by Hurricane Katrina or Hurricane Rita. (Provisions affecting existing mortgages on damaged homes). H.R. 4471: "Fair and Responsible Lending Act." A bill to amend the Home Ownership and Equity Protection Act of 1994 and other sections of the Truth in Lending Act. (Provisions relating to prohibited practices, limitations, and penalties relating to high-cost home loans). H.R. 4973: "Flood Insurance Reform and Modernization Act of 2006." A bill reforming the federal flood insurance program. (Provisions affecting availability of flood insurance in hurricane-damaged areas). H.R. 5039: "Saving America's Rural Housing Act of 2006." A bill to establish a program to revitalize rural multifamily housing assistance under the Housing Act of 1949. (Provisions affecting the multifamily housing finance). H.R. 5121: "Expanding American Homeownership Act of 2006." A bill to modernize the Federal Housing Administration (FHA) and providing authority to FHA to use risk-based pricing to reach underserved borrowers, and for other purposes. (Provisions increasing FHA loan limits and making further changes to FHA). H.R. 5637: "Nonadmitted and Reinsurance Reform Act of 2006." To streamline the regulation of nonadmitted insurance and reinsurance and for other purposes. (All provisions). S. 2169: "Financial Data Protection Act of 2005." A bill to amend the Fair Credit Reporting Act to provide for secure financial data, and for other purposes. (Provisions relating to privacy and disclosure requirements for financial institutions). S. 3173: A bill to modernize the Federal Housing Administration (FHA) to meet the housing needs of the American people. (Provisions increasing FHA loan limits and making further changes to FHA). S. 3535: "Expanding American Homeownership Act of 2006." A bill to modernize the Federal Housing Administration (FHA) and providing authority to FHA to use risk-based pricing to reach underserved borrowers, and for other purposes. (Provisions increasing FHA loan limits and making further changes to FHA). H.R. 1461: "The Federal Housing Finance Reform Act of 2005" - A bill to reform the regulation of certain housing-related government-sponsored enterprises. (All provisions).

Client expense: $4,880,000 · Firm income: Not reported

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

H.R. 5121 - Expanding American Homeownership Act of 2006 S. 2597 - Federal Housing Fairness Act of 2006 H.R. 6111 - Tax Relief and Health Care Act of 2006 S 3173 - 21st Century Housing Act S. 3535 - Expanding American Homeownership Act of 2006 H. R. 5970 - Amend Internal Revenue Code of 1986 ("Tax Extender" or "Trifecta" package) H.R. 4 - Pension Protection Act of 2006 H.R. 4297 - Tax Increase Prevention and Reconciliation Act of 2005 S. 2020 - Tax Relief Act of 2005 S. 132 - Mortgage Insurance Fairness Act H.R. 3098 - Mortgage Insurance Fairness Act of 2005

Client expense: $3,080,000 · Firm income: Not reported

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