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Stopping Mortgage Transactions which Operate to Promote Fraud, Risk, Abuse, and Underdevelopment Act
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vs 3,722 other S bills in the 110th — cohort avg 42d
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2008 · fourth_quarter · Banking
HR 946: Overdraft Protection Fair Practices Act HR 3012: Fair Mortgage Practices Act of 2007 HRes 526: Whereas Homeownership is an important part of realizing the America Dream HR 3081: Fairness for Homeowners Act HR 1996: Preservation of Federalism in Banking HR 3296: Mortgage Broker Transparency and Accountability Act of 2007 HR 2871: Payday Loan Reform Act of 2007 HR 3017: Stop Fraud Act HR 2061: Predatory Mortgage Lending Practices Reduction Act HR 3133: Financial Literacy for Homeowners Act HR 1289: Community Reinvestment Modernization Act of 2007 HR 2146: Universal Default Prohibition Act of 2007 HR 1852: Expanding American Homeownership Act of 2007 HR 1752: Expanding American Homeownership Act of 2007 HR 1723: Fair FHA Appraisals Act of 2007 HR 3915: Mortgage Reform and Anti-Predatory Lending Act of 2007 HR 3837: Escrow, Appraisal, and Mortgage Servicing Improvements Act HR 3609: Emergency Home Ownership and Mortgage Equity Protection Act S 1386: Homeownership Protection and Enhancement Act of 2007 S 1299: Borrower's Protection Act of 2007 S 1309: Universal Default Prohibition Act of 2007 S 1222: Stop Fraud Act S 1395: Stop Unfair Practices in Credit Cards Act of 2007 S 947: 21st Century Housing Act S 1805: FHA Loan Limit Adjustment Act of 2007 S 2452: Home Ownership Preservation and Protection Act of 2007 S 2136: Helping Families Save Their Homes in Bankruptcy Act HR 3221: Foreclosure Prevention Act of 2008 HR 5830: FHA Housing Stabilization and Homeownership Retention Act HR 5776: Homeowner Empowerment Act HR 5679: Foreclosure Prevention and Sound Mortgage Servicing Act HR 5678: Neighborhood Rescue and Stabilization Act HR 5649: Home Owners' Loan Corporation for the 21st Century Act HR 5579: Emergency Mortgage Loan Modification Act HR 5572: Helping Communities Act HR 5500: Foreclosure Credit Forgiveness Act HR 3648: Mortgage Forgiveness Debt Relief Act S 2753: Credit Card Reform Act S 2595: S.A.F.E. Mortgage Licensing Act S 2542: Credit Card Minimum Payment Notification Act S 2455: Community Foreclosure Assistance Act S 2411: Credit Card Safety Star Act S 2153: Mortgage Disclosure Improvement Act S 2036: Protecting Access to Safe Mortgages Act HR 5244: Credit Cardholders' Bill of Rights Act HR 4135: Family Foreclosure Rescue Corporation Act HR 6076: Home Retention and Economic Stabilization Act of 2008 HR 6254: Temporary FHA Direct Endorsement Lender Participation Act of 2008 HR 1424: Emergency Economic Stabilization Act of 2008 HConRes 391: Recognizing the disparities that are associated with predatory lending abuses in minority communities and expressing the sense of the Congress that as new abuses continue to emerge, such laws should ensure that all those responsible for representing and protecting families have the authority to act to address these new problems HR 6312: Credit Union, Bank, and Thrift Regulatory Relief Act of 2008 S.3738: Home Retention and Economic Stabilization Act of 2008
Client expense: $300,000 · Firm income: Not reported
Government targets: Defense, Dept of (DOD), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Natl Credit Union Administration (NCUA), Office of Management & Budget (OMB), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of
2008 · fourth_quarter · Housing
Section 8 Housing Reform: H.R. 1851/S. 2684 - The Section 8 Voucher Reform Act of 2007 H.R. 3965 - The Mark-to-Market Extension & Enhancement Act of 2007 FHA Reform: H.R. 5830 - FHA Housing Stabilization and Homeownership Retention Act of 2008 (Voluntary FHA-insured assistance for distressed homeowners) Development of Affordable Housing Trust Fund: H.R. 2895 -National Affordable Housing Trust Fund Act of 2007 S. 2523 - National Affordable Housing Trust Fund Act of 2007 Rural Housing: H.R. 1982 - The Rural Housing & Economic Development Act H.R. 3878 - The Section 515 Rural Housing Property Transfer Improvement Act of 2007 Veterans Housing: H.R. 6832 - Veterans' Programs Extension and Construction Authorization Act of 2008 H.R. 2385 - The 21st Century GI Bill of Rights Act of 2007 S. 1409 - The 21st Century GI Bill of Rights Act of 2007 H.R. 4884 - Helping Our Veterans to Keep Their Homes Act of 2008 H.R. 4539 - Department of Veterans Affairs Loan Guaranty Cost Reduction Act of 2007 H.R. 5566/5561; S. 2768 - Veterans Mortgage Stimulus Clarification Act of 2008 (To raise VA Loan Limits) S. 3023 - Veterans' Benefits Improvement Act of 2008 Appraisal Reform: H.R. 1723 - Fair FHA Appraisal Act S. 1222 - STOP FRAUD Act Other Issues: Fair Housing: H.R. 2926 / S. 1733 -- Housing Fairness Act of 2007. Provision pertaining to expanding eligibilty for Farm Credit Home Loans: H.R. 2419 - Food & Energy Security Act of 2007 FHA Prohibition on Seller-Funded Downpayment Assistance Programs: H.R. 6994: FHA Seller-Financed Downpayment Reform and Risk-Based Pricing Authorization Act of 2008 Provisions pertaining to the International Real Property Foundation: State Foreign Operations Appropriations Bill. Elderly Housing: H.R. 2930 - The Section 202 Supportive Housing for the Elderly Act of 2007 Funding for Housing in the Gulf: H.R. 1227 - Gulf Coast Hurricane Housing Recovery Act of 2007 Low-income Housing Assistance: S. 1386 - Homeownership Protection and Enhancement Act of 2007 Expansion of the HOPE VI Program: H.R. 3524 - HOPE VI Improvement and Reauthorization Act of 2007
2008 · fourth_quarter · Banking
Issues related to traditional banking, checking and savings accounts, mortgage loans, home equity lines of credit and other issues including the following legislation: S.1299 - Borrower's Protection Act of 2007; H.R.3012 - Fair Mortgage Practices Act of 2007; H.R.3081- Fairness for Homeowners Act of 2007; H.R.3296 - Mortgage Broker Transparency and Accountability Act of 2007; H.R.3609 - Emergency Home Ownership and Mortgage Equity Protection Act of 2007; S.2136 - Helping Families Save Their Homes in Bankruptcy Act of 2007; H.R.946 - Consumer Overdraft Protection Fair Practices Act; S.2133 - HOMES Act; H.R.3221 - American Housing Rescue and Foreclosure Prevention Act of 2008; H.R.3778 - HOMES Act; H.R.3915 - Mortgage Reform and Anti-Predatory Lending Act of 2007; S.1222 - STOP FRAUD Act; S.2452 - Home Ownership Preservation and Protection Act of 2007; S.2636 - Foreclosure Prevention Act of 2008; H.R.3997 - Heroes Earnings Assistance and Relief Tax Act of 2007; and H.R.1424 - To provide authority for the Federal Government to purchase and insure certain types of troubled assets for the purposes of providing stability to and preventing disruption in the economy and financial system and protecting taxpayers, to amend the Internal Revenue Code of 1986 to provide incentives for energy production and conservation, to extend certain expiring provisions, to provide individual income tax relief, and for other purposes.
Client expense: $340,000 · Firm income: Not reported
2008 · fourth_quarter · Financial Institutions/Investments/Securities
H.R 1424, "The Emergency Economic Stabilization Act of 2008," issues related to the financial services industry. H.R. 3221, "American Housing Rescue and Foreclosure Prevention Act of 2008," issues related to the financial services industry. S. 2452, "Homeownership Preservation and Protection Act of 2007," issues related to mortgage lending. H.R. 4019, "Mortgage Disclosure Improvement Act of 2007," issues related to mortgage disclosures. S. 2153, "Mortgage Disclosure Improvement Act of 2007," issues related to mortgage disclosures. S. 2595, "Secure and Fair Enforcement for Mortgage Licensing Act of 2008, or S.A.F.E. Mortgage Licensing Act of 2008," issues related to the licensing of loan originators. H.R. 5140, "Economic Stimulus Act of 2008;" issues related to mortgage lending. H.R. 5818, "Neighborhood Stablization Act of 2008," issues related to mortgage lending. H.R. 5579, "Emergency Mortgage Loan Modification Act of 2008," issues related to mortgage lending. H.R. 5830, "FHA Housing Stabilization and Homeowner Retention Act of 2008," issues related to mortgage lending. H.R. 5679, "The Foreclosure Prevention and Sound Mortgage Servicing Act of 2008," issues related to mortgage lending. H.R. 634, "The Federal Housing Finance Regulatory Reform Act of 2008," issues related to mortgage lending. H.R. 3121, "Flood Insurance Reform and Modernization Act of 2007," issues related to flood insurance. H.R. 3355, "Homeowners' Defense Act of 2007," issues related to flood insurance. S. 1222, "Stopping Mortgage Transactions which Operate to Promote Fraud, Risk, Abuse and Underdevelopment Act, or the STOP FRAUD Act," issues related to mortgage lending," issues related to mortgage lending S. 1299, "Borrower's Protection Act of 2007," issues related to mortgage lending H Con Res 127, "Supporting home ownership and responsible lending," issues related to mortgage lending H.R. 2061, "Predatory Mortgage Lending Practices Reduction Act," issues related to mortgage lending H.R. 698, "Industrial Bank Holding Company Act of 2007," issues related to Industrial Loan Companies S. 1356, "Industrial Bank Holding Company Act of 2007," issues related to Industrial Loan Companies H.R. 3081, Fairness for Homeowners Act of 2007," issues related to the Truth in Lending Act (TILA). H.R. 3012, "Fair Mortgage Practices Act of 2007," issues related to mortgage fraud. Issues related to the current financial crisis, TARP, the Federal Reserve's proposed changes to the HOEPA and Reg C regulations, RESPA, the HOPE NOW Alliance, FHASecrure, HOPE for Homeowners, mortgage-backed securities, Truth in Lending Act, mortgage, reform, mortgage broker compensation, subprime lending, privacy, issues related to mortgage broker licensing, secondary mortgage market, issues related to the Home Mortgage Disclosure Act ("HMDA"), provisions relating to notices and disclosures to be given to mortgage borrowers, issues relating to the preemptive authority of the Office of the Comptroller of the Currency, issues related to the NY Attorney General's Agreement with the GSEs on appraisals, issues related to credit rating agencies, issues related to Mark to Market accounting.
2008 · fourth_quarter · Banking
H.R.1427, Federal Housing Finance Reform Act of 2007, GSE reform issues. S.1299, Borrowers Protection Act 2007, subprime issues. H.R.2061, Predatory Mortgage Lending Practices Reduction Act, subprime issues. H.R. 3012, Fair Mortgage Practices Act of 2007, subprime issues. H.R. 3133, Financial Literacy for Homeowners's Act, subprime issues. S. 1222, Stop Fraud Act, subprime issues. S.3260/H.R.7323, Financial Services and General Government Appropriations Bill, FY2009, financial services issues. H.R.1427, Federal Housing Finance Reform Act of 2007, Bank regulation reform issues. S.2133, Home Owners' Mortgage and Equity Savings Act, Housing issues. H.R.3221/S.2636, Foreclosure Prevention Act of 2008, Housing issues and bankruptcy issues. H.R.2091/S.1963, To amend the Internal Revenue Code of 1986 to allow bonds guaranteed by the Federal home loan banks to be treated as tax exempt bonds, Housing issues. H.R.1424, Emergency Economic Stabilization Act, Subprime issues.
Client expense: Not reported · Firm income: $50,000
Client expense: $6,520,000 · Firm income: Not reported
Government targets: Agriculture, Dept of (USDA), Army, Dept of (Corps of Engineers), Bureau of Land Management (BLM), Environmental Protection Agency (EPA), Farm Credit Administration, 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, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Interior, Dept of (DOI), Internal Revenue Service (IRS), Labor, Dept of (DOL), Office of Management & Budget (OMB), SENATE, Small Business Administration (SBA), Treasury, Dept of, U.S. Agency for International Development (USAID), Veterans Affairs, Dept of (VA), White House Office
Government targets: HOUSE OF REPRESENTATIVES, SENATE
Client expense: Not reported · Firm income: $240,000
Government targets: Executive Office of the President (EOP), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Natl Credit Union Administration (NCUA), Office of Management & Budget (OMB), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2008 · fourth_quarter · Financial Institutions/Investments/Securities
S.1299, Borrower's Protection Act of 2007, subprime issues. H.R. 2061, Predatory Mortgage Lending Practices Reduction Act, subprime issues. H.R. 3012, Fair Mortgages Practices Act of 2007, subprime issues. H.R.3133, Financial Literacy for Homeowners Act, subprime issues. S.1222, Stop Fraud Act, subprime issues. S.3260/H.R.7323, Financial Services and General Government Appropriations Bill, FY2009, financial services issues. H.R.1427, Federal Housing Finance Reform Act of 2007, Bank regulation reform issues. H.R.3221/S.3221, Foreclosure Prevention Act of 2008, Housing issues and bankruptcy issues.
Client expense: Not reported · Firm income: $50,000
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2008 · fourth_quarter · Banking
Issues related to traditional banking, checking and savings accounts, mortgage loans, home equity lines of credit and other issues including the following legislation: S. 1299; H.R. 3012; H.R. 3081; H.R. 3296 ; H.R. 3609; S 2136; H.R. 946; S 2133; H.R. 3221; H.R. 3778; H.R. 3915; S.1222; S.2452; S 2636; H.R. 3997; H.R. 1424
Client expense: Not reported · Firm income: $45,037
Government targets: HOUSE OF REPRESENTATIVES
2008 · third_quarter · Banking
HR 946: Overdraft Protection Fair Practices Act HR 3012: Fair Mortgage Practices Act of 2007 HRes 526: Whereas Homeownership is an important part of realizing the America Dream HR 3081: Fairness for Homeowners Act HR 1996: Preservation of Federalism in Banking HR 3296: Mortgage Broker Transparency and Accountability Act of 2007 HR 2871: Payday Loan Reform Act of 2007 HR 3017: Stop Fraud Act HR 2061: Predatory Mortgage Lending Practices Reduction Act HR 3133: Financial Literacy for Homeowners Act HR 1289: Community Reinvestment Modernization Act of 2007 HR 2146: Universal Default Prohibition Act of 2007 HR 1852: Expanding American Homeownership Act of 2007 HR 1752: Expanding American Homeownership Act of 2007 HR 1723: Fair FHA Appraisals Act of 2007 HR 3915: Mortgage Reform and Anti-Predatory Lending Act of 2007 HR 3837: Escrow, Appraisal, and Mortgage Servicing Improvements Act HR 3609: Emergency Home Ownership and Mortgage Equity Protection Act S 1386: Homeownership Protection and Enhancement Act of 2007 S 1299: Borrower's Protection Act of 2007 S 1309: Universal Default Prohibition Act of 2007 S 1222: Stop Fraud Act S 1395: Stop Unfair Practices in Credit Cards Act of 2007 S 947: 21st Century Housing Act S 1805: FHA Loan Limit Adjustment Act of 2007 S 2452: Home Ownership Preservation and Protection Act of 2007 S 2136: Helping Families Save Their Homes in Bankruptcy Act HR 3221: Foreclosure Prevention Act of 2008 HR 5830: FHA Housing Stabilization and Homeownership Retention Act HR 5776: Homeowner Empowerment Act HR 5679: Foreclosure Prevention and Sound Mortgage Servicing Act HR 5678: Neighborhood Rescue and Stabilization Act HR 5649: Home Owners' Loan Corporation for the 21st Century Act HR 5579: Emergency Mortgage Loan Modification Act HR 5572: Helping Communities Act HR 5500: Foreclosure Credit Forgiveness Act HR 3648: Mortgage Forgiveness Debt Relief Act S 2753: Credit Card Reform Act S 2595: S.A.F.E. Mortgage Licensing Act S 2542: Credit Card Minimum Payment Notification Act S 2455: Community Foreclosure Assistance Act S 2411: Credit Card Safety Star Act S 2153: Mortgage Disclosure Improvement Act S 2036: Protecting Access to Safe Mortgages Act HR 5244: Credit Cardholders' Bill of Rights Act HR 4135: Family Foreclosure Rescue Corporation Act HR 6076: Home Retention and Economic Stabilization Act of 2008 HR 6254: Temporary FHA Direct Endorsement Lender Participation Act of 2008 HR 1424: Emergency Economic Stabilization Act of 2008 HConRes 391: Recognizing the disparities that are associated with predatory lending abuses in minority communities and expressing the sense of the Congress that as new abuses continue to emerge, such laws should ensure that all those responsible for representing and protecting families have the authority to act to address these new problems HR 6312: Credit Union, Bank, and Thrift Regulatory Relief Act of 2008
Client expense: $280,000 · Firm income: Not reported
Government targets: Defense, Dept of (DOD), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Natl Credit Union Administration (NCUA), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of
2008 · third_quarter · Banking
Issues related to traditional banking, checking and savings accounts, mortgage loans, home equity lines of credit and other issues including the following legislation: S. 1299; H.R. 3012; H.R. 3081; H.R. 3296 ; H.R. 3609; S 2136; H.R. 946; S 2133; H.R. 3221; H.R. 3778; H.R. 3915; S.1222; S.2452; S 2636; H.R. 3997; H.R. 1424
Client expense: Not reported · Firm income: $42,000
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2008 · third_quarter · Banking
S 1356, Industrial Bank Holding Company Act of 2007 S 1405, Communities First Act HR 3012, Fair Mortgage Practices Act of 2007 HR 1852, Expanding American Homeownership Act of 2007 HR 3221, Housing and Economic Recovery Act of 2008 HR 1869, Communities First Act HR 1537, Credit Union Regulatory Improvement Act of 2007 HR 5519 Credit Union Regulatory Relief Act HR 1849, Credit Union Small Business Lending Act HR 2727, Small Business SOX Compliance Extension Act HR 1332, Small Business Lending Improvements Act of 2007 HR 873, Credit Card Payment Fee Act of 2007 HR 946, The Consumer Overdraft Protection Fair Practices Act of 2007 HR 323, Seasoned Customer CTR Exemption Act of 2007 HR 3915, Mortgage Reform and Anti-Predatory Lending Act of 2007 HR 3778 Home Owners Mortgage and Equity Savings Act HR 1550, Regulatory Relief and Fairness Act HR 2895, National Affordable Housing Trust Fund Act of 2007 HR 1967, Financial Privacy Notice Relief Act of 2007 HR 3609, Emergency Home Ownership and Mortgage Equity Protection Act HR 3506 Foreclosure Tax Relief Act S 1222, Stopping Mortgage Transactions which Operate to Promote Fraud, Risk, Abuse And Underdevelopment Act S 1100, Federal Housing Enterprise Regulatory Reform Act of 2007 S 947, 21st Century Housing Act S 1299, Borrowers Protection Act of 2007 S 2452, Homeownership Preservation and Protection Act of 2007 S 2338, FHA Modernization Act of 2007 S. 2136, Helping Families Save Their Homes in Bankruptcy Act S. 2133, Home Owners Mortgage and Equity Savings Act S 2636 Foreclosure Prevention Act of 2008 S 413, Community Choice in Real Estate Act HR 5244, Credit Cardholder's Bill of Rights Act of 2008 HR 5546, Credit Card Fair Fee Act of 2008 HR 3221, American Housing and Foreclosure Prevention Act of 2008 HR 5841, Bank and Thrift Regulatory Relief Act of 2008 HR 6312, Credit Union, Bank and Thrift Regulatory Relief Act of 2008 S 1145, Patent Reform Act of 2007 S 3086, Credit Card Fair Fee Act of 2008 HR 5767, Payments System Protection Act of 2008 (Internet Gambling) S Credit Card Accountability, Responsibility, and Disclosure Act S 2753 Credit Card Reform Act of 2008 HR 6248, Credit Card Interchange Fees Act of 2008 Credit Card Protections and Disclosures Credit Card/Debit Card Interchange Fees Appraisal Policy for Housing GSEs Deposit Concentration Cap Federal Home Loan Bank System Issues ILC Applications by Commercial Companies Overdraft Protection Programs Predatory Lending Issues Regulation of Industrial Loan Corporation Holding companies Regulatory Relief Relief from Securities Law Requirements for Small Companies Sarbanes-Oxley Act Relief for Community Banks Separation of Banking and Commerce Subprime Lending Housing GSEs HR 6871, Expedited Funds Availability Dollar Limits Adjustment Act of 2008 Homeland Security and Critical Infrastructure Protection Payments Systems Expedited Funds Availability Act Amendments Real Estate Settlement Procedures Act (RESPA) regulations Fair Value Accounting (Mark to Market Accounting) SFAS 157, Fair Value Measurements HR 1424, Emergency Economic Stabilization Act HR 2638, Consolidated Security, Disaster Assistance, and Continuing Appropriations Act, 2009 Flood Insurance Housing Assistance Tax Act of 2008 Deposit Insurance Premiums Bank Examinations Financial Services Regulatory Structure Implementation of Housing and Economic Recovery Act of 2008 (Hope for Homeowners Program) Conservatorship of Fannie Mae/Freddie Mac Bank Capital rules Money market mutual fund Temporary Guaranty Program
Client expense: $920,000 · Firm income: Not reported
Government targets: Agriculture, Dept of (USDA), Export-Import Bank of the United States (EXIM Bank), Farm Credit Administration, 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), 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, White House Office
2008 · third_quarter · Banking
Issues related to traditional banking, checking and savings accounts, mortgage loans, home equity lines of credit and other issues including the following legislation: S.1299 - Borrower's Protection Act of 2007; H.R.3012 - Fair Mortgage Practices Act of 2007; H.R.3081- Fairness for Homeowners Act of 2007; H.R.3296 - Mortgage Broker Transparency and Accountability Act of 2007; H.R.3609 - Emergency Home Ownership and Mortgage Equity Protection Act of 2007; S.2136 - Helping Families Save Their Homes in Bankruptcy Act of 2007; H.R.946 - Consumer Overdraft Protection Fair Practices Act; S.2133 - HOMES Act; H.R.3221 - American Housing Rescue and Foreclosure Prevention Act of 2008; H.R.3778 - HOMES Act; H.R.3915 - Mortgage Reform and Anti-Predatory Lending Act of 2007; S.1222 - STOP FRAUD Act; S.2452 - Home Ownership Preservation and Protection Act of 2007; S.2636 - Foreclosure Prevention Act of 2008; H.R.3997 - Heroes Earnings Assistance and Relief Tax Act of 2007; and H.R.1424 - To provide authority for the Federal Government to purchase and insure certain types of troubled assets for the purposes of providing stability to and preventing disruption in the economy and financial system and protecting taxpayers, to amend the Internal Revenue Code of 1986 to provide incentives for energy production and conservation, to extend certain expiring provisions, to provide individual income tax relief, and for other purposes.
Client expense: $337,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2008 · third_quarter · Financial Institutions/Investments/Securities
H.R. 3221, "American Housing Rescue and Foreclosure Prevention Act of 2008," issues related to the financial services industry. H.R 1424, "The Emergency Economic Stabilization Act of 2008," issues related to the financial services industry. H.R. 1427, "Federal Housing Finance Reform Act of 2007," issues related to the secondary market. S. 1100, "Federal Housing Enterprise Regulatory Reform Act of 2007," issues related to the secondary market. H.R. 3915, "The Mortgage Reform and Anti-Predatory Lending Act of 2007," issues related to the housing market and predatory lending. H.R.1852, "Expanding American Homeownership Act of 2007," issues related to FHA reform. S. 2338, "FHA Modernization Act of 2007," issues related to FHA modernization. H.R. 2895, "National Affordable Housing Trust Fund Act of 2007," issues related to FHA and GSE conforming loan limits. S. 2391, "GSE Mission Improvement Act," issues related to government sponsored enterprises. S. 2036, "Protecting Access to Safe Mortgages Act ," issues related to GSE conforming loan limits. H.R. 3777, "Protecting Access to Safe Mortgages Act," issues related to GSE conforming loan limits. H.R. 3081, Fairness for Homeowners Act of 2007," issues related to the Truth in Lending Act (TILA). H.R. 3012, "Fair Mortgage Practices Act of 2007," issues related to mortgage fraud. H.R. 2139, "FHA Manufacturing Housing Loan Modernization Act of 2007," issues related to FHA loans S. 947, "A bill to modernize the Federal Housing Administration to meet the housing needs of the American people," issues related to FHA loans. S. 1222, "Stopping Mortgage Transactions which Operate to Promote Fraud, Risk, Abuse and Underdevelopment Act, or the STOP FRAUD Act," issues related to mortgage lending," issues related to mortgage lending S. 1299, "Borrower's Protection Act of 2007," issues related to mortgage lending H Con Res 127, "Supporting home ownership and responsible lending," issues related to mortgage lending H.R. 2061, "Predatory Mortgage Lending Practices Reduction Act," issues related to mortgage lending H.R. 698, "Industrial Bank Holding Company Act of 2007," issues related to Industrial Loan Companies S. 1356, "Industrial Bank Holding Company Act of 2007," issues related to Industrial Loan Companies H.R. 1682, "Flood Insurance Reform and Modernization Act of 2007," issues related to the National Flood Insurance Program H.R. 1227, "Gulf Coast Hurricane Housing Recovery Act of 2007," issues related to Katrina Recovery S. 1668, "Gulf Coast Housing Recovery Act of 2007," issues related to Katrina Recovery S. 825, "To provide additional funds for the Road Home program," issues related to Katrina Recovery H.R. 3121, "Flood Insurance Reform and Modernization Act of 2007," issues related to flood insurance. H.R. 3355, "Homeowners' Defense Act of 2007," issues related to flood insurance. H.R. 1066, "Depository Institution Community Development Investments Enhancement Act," issues related to public welfare investments by banks. S. 2487, "Depository Institution Community Development Investments Enhancement Act," issues related to public welfare investments by banks. S. 2452, "Homeownership Preservation and Protection Act of 2007," issues related to mortgage lending. H.R. 4019, "Mortgage Disclosure Improvement Act of 2007," issues related to mortgage disclosures. S. 2153, "Mortgage Disclosure Improvement Act of 2007," issues related to mortgage disclosures. S. 2595, "Secure and Fair Enforcement for Mortgage Licensing Act of 2008, or S.A.F.E. Mortgage Licensing Act of 2008," issues related to the licensing of loan originators. H.R. 5140, "Economic Stimulus Act of 2008;" issues related to mortgage lending. H.R. 5818, "Neighborhood Stablization Act of 2008," issues related to mortgage lending. H.R. 5579, "Emergency Mortgage Loan Modification Act of 2008," issues related to mortgage lending. H.R. 5830, "FHA Housing Stabilization and Homeowner Retention Act of 2008," issues related to mortgage lending. H.R. 5679, "The Foreclosure Prevention and Sound Mortgage Servicing Act of 2008," issues related to mortgage lending. H.R. 634, "The Federal Housing Finance Regulatory Reform Act of 2008," issues related to mortgage lending. H.R. Issues related to the current financial crisis, the Federal Reserve's proposed changes to the HOEPA and Reg C regulations, RESPA, the HOPE NOW Alliance, FHASecrure, HOPE for Homeowners, mortgage-backed securities, Truth in Lending Act, mortgage, reform, mortgage broker compensation, subprime lending, privacy, issues related to mortgage broker licensing, secondary mortgage market, issues related to the Home Mortgage Disclosure Act ("HMDA"), provisions relating to notices and disclosures to be given to mortgage borrowers,issues relating to the preemptive authority of the Office of the Comptroller of the Currency, issues related to the NY Attorney General's Agreement with the GSEs on appraisals, issues related to credit rating agencies, issues related to Mark to Market accounting
Client expense: Not reported · Firm income: $380,000
Government targets: Executive Office of the President (EOP), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Natl Credit Union Administration (NCUA), Office of Management & Budget (OMB), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of
2008 · third_quarter · Housing
FHA Reform: H.R. 3221 - A bill to provide needed housing reform and other purposes (Provisions related to FHA Loan Limits and FHA Modernization) FHA Reform, Continued: H.R. 5958 - the Homeowner Opportunity Act of 2008. Some provisions were ultimately added to H.R. 3221 above. (To extend FHA loan limits increases beyond the Dec. 31 2008 deadline imposed in the First Economic Stimulus Act -- H.R. 5140) H.R. 5830 - FHA Housing Stabilization and Homeownership Retention Act of 2008 (Voluntary FHA-insured assistance for distressed homeowners) Section 8 Housing Reform: H.R. 1851/S. 2684 - The Section 8 Voucher Reform Act of 2007 H.R. 3965 - The Mark-to-Market Extension & Enhancement Act of 2007 Development of Affordable Housing Trust Fund: H.R. 2895 -National Affordable Housing Trust Fund Act of 2007 S. 2523 - National Affordable Housing Trust Fund Act of 2007 Rural Housing: H.R. 1982 - The Rural Housing & Economic Development Act H.R. 3878 - The Section 515 Rural Housing Property Transfer Improvement Act of 2007 Veterans Housing: H.R. 6832 - Veterans' Programs Extension and Construction Authorization Act of 2008 H.R. 2385 - The 21st Century GI Bill of Rights Act of 2007 S. 1409 - The 21st Century GI Bill of Rights Act of 2007 H.R. 4884 - Helping Our Veterans to Keep Their Homes Act of 2008 H.R. 4539 - Department of Veterans Affairs Loan Guaranty Cost Reduction Act of 2007 H.R. 5566/5561; S. 2768 - Veterans Mortgage Stimulus Clarification Act of 2008 (To raise VA Loan Limits) Appraisal Reform: H.R. 1723 - Fair FHA Appraisal Act S. 1222 - STOP FRAUD Act Other Issues: Grants to States to purchase foreclosed properties: H.R. 5818 - Neighborhood Stabilization Act of 2008. Fair Housing: H.R. 2926 / S. 1733 -- Housing Fairness Act of 2007. Provision pertaining to expanding eligibilty for Farm Credit Home Loans: H.R. 2419 - Food & Energy Security Act of 2007 FHA Prohibition on Seller-Funded Downpayment Assistance Programs: H.R. 6994: FHA Seller-Financed Downpayment Reform and Risk-Based Pricing Authorization Act of 2008 Provisions pertaining to the International Real Property Foundation: State Foreign Operations Appropriations Bill. Elderly Housing: H.R. 2930 - The Section 202 Supportive Housing for the Elderly Act of 2007 Funding for Housing in the Gulf: H.R. 1227 - Gulf Coast Hurricane Housing Recovery Act of 2007 Low-income Housing Assistance: S. 1386 - Homeownership Protection and Enhancement Act of 2007 Expansion of the HOPE VI Program: H.R. 3524 - HOPE VI Improvement and Reauthorization Act of 2007
Client expense: $3,820,000 · Firm income: Not reported
Government targets: Agriculture, Dept of (USDA), Army, Dept of (Corps of Engineers), Bureau of Land Management (BLM), Environmental Protection Agency (EPA), Farm Credit Administration, Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), 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), Internal Revenue Service (IRS), Natl Park Service (NPS), Office of Management & Budget (OMB), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Small Business Administration (SBA), Treasury, Dept of, U.S. Agency for International Development (USAID), Veterans Affairs, Dept of (VA), White House Office
2008 · third_quarter · Financial Institutions/Investments/Securities
S.1299, Borrower's Protection Act of 2007, subprime issues. H.R. 2061, Predatory Mortgage Lending Practices Reduction Act, subprime issues. H.R. 3012, Fair Mortgages Practices Act of 2007, subprime issues. H.R.3133, Financial Literacy for Homeowners Act, subprime issues. S.1222, Stop Fraud Act, subprime issues. S.3260/H.R. TBD, Financial Services and General Government Appropriations Bill, FY2009, financial services issues. H.R.1427, Federal Housing Finance Reform Act of 2007, Bank regulation reform issues. H.R.3221/S.3221, Foreclosure Prevention Act of 2008, Housing issues and bankruptcy issues.
Client expense: Not reported · Firm income: $80,000
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2008 · third_quarter · Banking
H.R.1427, Federal Housing Finance Reform Act of 2007, GSE reform issues. S.1299, Borrowers Protection Act 2007, subprime issues. H.R.2061, Predatory Mortgage Lending Practices Reduction Act, subprime issues. H.R. 3012, Fair Mortgage Practices Act of 2007, subprime issues. H.R. 3133, Financial Literacy for Homeowners's Act, subprime issues. S. 1222, Stop Fraud Act, subprime issues. Financial Services and General Government Appropriations Bill, FY2009, financial services issues. H.R.1427, Federal Housing Finance Reform Act of 2007, Bank regulation reform issues. S.2133, Home Owners' Mortgage and Equity Savings Act, Housing issues. H.R.3221/S.2636, Foreclosure Prevention Act of 2008, Housing issues and bankruptcy issues. H.R.2091/S.1963, To amend the Internal Revenue Code of 1986 to allow bonds guaranteed by the Federal home loan banks to be treated as tax exempt bonds, Housing issues.
Client expense: Not reported · Firm income: $80,000
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2008 · third_quarter · Banking
H.R. 1427 Federal Housing Reform Act of 2007. All Provisions. GSE Reform H.R. 3609 Emergency Home Ownership and Mortgage Equity Protection Act. All Provisions. Modifies certain mortgages on principal residences. H.R. 3915 Mortgage Reform and Anti-Predatory Lending Act of 2007. All Provisions. Reforms consumer mortgage practices. S.1100, Federal Housing Enterprise Regulatory Reform Act of 2007. All provisions. Addresses the regulation of secondary mortgage market enterprises. S. 1222, Stop Fraud Act. All provisions. Stops mortgage transactions which operate to promote fraud, risk, abuse, and under-development. S.1299, Borrower's Protection Act of 2007. All provisions. Establishes fiduciary duty for mortgage brokers and originators; establishes standards to assess a consumer's ability to repay. S.1985, Capital Access for Senior Homeowners Act of 2007. All Provisions. Improves access of senior homeowners to capital. H.R. 1996, Preservation of Federalism in Banking Act. All Provisions. Clarifies applicability of State law to national banks and Federal savings associations. S.2036, Protecting Access to Safe Mortgages Act. All Provisions. Raises conforming loan limits, portfolio caps for Freddie Mac & Fannie Mae. H.R.2061, Predatory Mortgage Lending Practices Reduction Act (Consumer Fairness Act). All Provisions. Protects home buyers from predatory lending practices. S.2114, American Home Ownership Preservation Act of 2007. All Provisions. Enhances disclosures and regulation ofloan originations; state grants. S.2153, Mortgage Disclosure Improvement Act of 2007. All Provisions. Enhances disclosure of the terms of home mortgage loans. S.2169, PROMISE Act. All Provisions. Temporarily increases the portfolio caps applicable to Freddie Mac and Fannie Mae, to provide the necessary financing to curb foreclosures by facilitating the refinancing of at-risk subprime borrowers into safe, affordable loans. S.2201, Home Ownership Mortgage Emergency Act. All Provisions. Penalty-free use of retirement funds for mortgage delinquency relief. S.2296, Mortgage Disclosure Enhancement Act of 2007. All Provisions. Provides for improved disclosures by all mortgage lenders at the loan approval and settlement stages of all mortgage loans. S.2346, PROMISE Act. All Provisions. Temporarily increases the portfolio caps applicable to Freddie Mac and Fannie Mae, to provide the necessary financing to curb foreclosures by facilitating the refinancing of at-risk subprime borrowers into safe, affordable loans. S.2391, Government Sponsored Enterprise Mission Improvement Act. All Provisions. Provides for affordable housing relief. S.2452, The Homeownership Preservation and Protection Act of 2007. All Provisions. Protection to consumers with respect to celiain high-cost loans. H.R. 2895, National Affordable Housing Trust Fund Act of 2007. All Provisions. Establishes National Affordable Housing Trust Fund in the Treasury. H.R.3012, Fair Mortgage Practices Act of 2007. All Provisions. Provides for the establishment of fair mortgage practices; subprime mortgages: provides a national system for licensing or registering residential mortgage loan originators. H.R.3081, Fairness for Homeowners Act of 2007. All Provisions. Protects consumers from certain practices in connection with the origination of consumer credit transactions secured by the consumer's principal dwelling. H.R. 3296, Mortgage Broker Transparency and Accountability Act of 2007. All Provisions. Amends the Truth in Lending Act: establishes transparency and accountability requirements for mortgage brokers. H.R.3526, To include all banking agencies within the existing regulatory framework- Section I. Amends the Internal Revenue Code to make permanent tax deductions for mortgage insurance premiums. H.R. 3535, Homebuyer's Protection Act of 2007. All Provisions. Requires escrow accounts for the payment of property taxes and insurance for all subprime loans, and to expand the coverage of the appraisal requirements. H.R. 3557, Restore American Dream Act of 2007. All Provisions. Establishment of, and the deduction of contributions to, homeownership plans. H.R. 3587, Homeowners' Emergency Mortgage Assistance Act. All Provisions. Establishes a program to assist homeowners experiencing unavoidable, temporary difficulty making payments on mortgages insured under the National Housing Act H.R. 3666, Foreclosure Prevention and Homeownership Protection Act. All Provisions. Bipartisan commission to perform a comprehensive examination of the current foreclosure and mortgage lending crisis. H.R. 3705, Fair Disclosure for Homeowners Act of 2007. All Provisions. Requires notice to consumers of an upcoming adjustment or reset date with respect to hybrid ARMs. H.R.4178, Emergency Mortgage Loan Modification Act of 2007. All Provisions. Removes an impediment to troubled debt restructuring on the patt of holders of residential mortgage loans. H.R. 3777, Protecting Access to Safe Mortgages Act. All Provisions. Temporarily raises conforming loan limits in high cost areas and portfolio caps applicable to Freddie Mac and Fannie Mae, provides the necessary financing to curb foreclosures by facilitating the refinancing of at-risk subprime borrowers into safe, prime loans, to preserve liquidity in the mortgage lending markets. H.R.3813, Mortgage Kickback Prevention Act of 2007. All provisions. Prohibits mortgage originators from receiving incentive compensation that variesfrom terms of a res. mortgage loan, and from steering consumers to residential mortgage loans not in the consumers' best interest. H.R.3837, Escrow, Appraisal, and Mortgage Servicing Improvements Act. All provisions. Requires escrows for certain mortgages,loans, improves mortgage servicing, promotes sustainable homeownership opportunities, enhances appraisal quality and standards, provides better appraisal oversight, mitigates appraiser pressure. H.R.3894, Negative Amortization Mortgage Loan Transparency Act. All Provisions. Establishes requirements for providing negatively amortizing mortgage loans to first-time borrowers. H.R.4019, Mortgage Disclosure Improvement Act of 2007. All provisions. Enhances disclosure of the terms of home mortgage loans. H.R.4135, Family Foreclosure Rescue Corporation Act. All Provisions. Establishes the Family Foreclosure Rescue Corporation to provide emergency relief to refinance home mortgages of homeowners in foreclosure or default.
Client expense: $1,340,000 · Firm income: Not reported
Government targets: Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE, Treasury, Dept of, Veterans Affairs, Dept of (VA), White House Office
2008 · second_quarter · Banking
HR 946: Overdraft Protection Fair Practices Act HR 3012: Fair Mortgage Practices Act of 2007 HRes 526: Whereas Homeownership is an important part of realizing the America Dream HR 3081: Fairness for Homeowners Act HR 1996: Preservation of Federalism in Banking HR 3296: Mortgage Broker Transparancy and Accountability Act of 2007 HR 2871: Payday Loan Reform Act of 2007 HR 3017: Stop Fraud Act HR 2061: Predatory Mortgage Lending Practices Reduction Act HR 3133: Financial Literacy for Homeowners Act HR 1289: Community Reinvestment Modernization Act of 2007 HR 2146: Universal Default Prohibition Act of 2007 HR 1852: Expanding American Homeownership Act of 2007 HR 1752: Expanding American Homeownership Act of 2007 HR 1723: Fair FHA Appraisals Act of 2007 HR 3915: Mortgage Reform and Anti-Predatory Lending Act of 2007 HR 3837: Escrow, Appraisal, and Mortgage Servicing Improvements Act HR 3609: Emergency Home Ownership and Mortgage Equity Protection Act S 1386: Homeownership Protection and Enhancement Act of 2007 S 1299: Borrower's Protection Act of 2007 S 1309: Universal Default Prohibition Act of 2007 S 1222: Stop Fraud Act S 1395: Stop Unfair Practices in Credit Cards Act of 2007 S 947: 21st Century Housing Act S 1805: FHA Loan Limit Adjustment Act of 2007 S 2452: Home Ownership Preservation and Protection Act of 2007 S 2136: Helping Families Save Their Homes in Bankruptcy Act HR 3221: Foreclosure Prevention Act of 2008 HR 5830: FHA Housing Stabilization and Homeownership Retention Act HR 5776: Homeowner Empowerment Act HR 5679: Foreclosure Prevention and Sound Mortgage Servicing Act HR 5678: Neighborhood Rescue and Stabilization Act HR 5649: Home Owners' Loan Corporation for the 21st Century Act HR 5579: Emergency Mortgage Loan Modification Act HR 5572: Helping Communities Act HR 5500: Foreclosure Credit Forgiveness Act HR 3648: Mortgage Forgiveness Debt Relief Act S 2753: Credit Card Reform Act S 2595: S.A.F.E. Mortgage Licensing Act S 2542: Credit Card Minimum Payment Notification Act S 2455: Community Foreclosure Assistance Act S 2411: Credit Card Safety Star Act S 2153: Mortgage Disclosure Improvement Act S 2036: Protecting Access to Safe Mortgages Act HR 5244: Credit Cardholders' Bill of Rights Act HR 4135: Family Foreclosure Rescue Corporation Act H.R.6076-Home Retention and Economic Stabilization Act of 2008 HR 6254 -Temporary FHA Direct Endorsement Lender Participation Act of 2008
Client expense: $120,000 · Firm income: Not reported
Government targets: Defense, Dept of (DOD), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Natl Credit Union Administration (NCUA), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of
2008 · second_quarter · Housing
FHA Reform: H.R. 3221 - A bill to provide needed housing reform and other purposes (Provisions related to FHA Loan Limits) FHA Reform, Continued: H.R. 5958 - the Homeowner Opportunity Act of 2008. Some provisions were ultimately added to H.R. 3221 above. (To extend FHA loan limits increases beyond the Dec. 31 2008 deadline imposed in the First Economic Stimulus Act -- H.R. 5140) H.R. 5830 - FHA Housing Stabilization and Homeownership Retention Act of 2008 (Voluntary FHA-insured assistance for distressed homeowners) Section 8 Housing Reform: H.R. 1851/S. 2684 - The Section 8 Voucher Reform Act of 2007 H.R. 3965 - The Mark-to-Market Extension & Enhancement Act of 2007 Development of Affordable Housing Trust Fund: H.R. 2895 -National Affordable Housing Trust Fund Act of 2007 S. 2523 - National Affordable Housing Trust Fund Act of 2007 Expanding Home Loan Opportunities for Native Americans: H.R. 3002 - Native American Economic Development and Infrastructure for Housing Act of 2007 H.R. 1676 - Native American Home Ownership Opportunity Act of 2007 Rural Housing: H.R. 1982 - The Rural Housing & Economic Development Act H.R. 3878 - The Section 515 Rural Housing Property Transfer Improvement Act of 2007 Veterans Housing: H.R. 2385 - The 21st Century GI Bill of Rights Act of 2007 S. 1409 - The 21st Century GI Bill of Rights Act of 2007 H.R. 4884 - Helping Our Veterans to Keep Their Homes Act of 2008 H.R. 4539 - Department of Veterans Affairs Loan Guaranty Cost Reduction Act of 2007 H.R. 5566/5561; S. 2768 - Veterans Mortgage Stimulus Clarification Act of 2008 (To raise VA Loan Limits) Appraisal Reform: H.R. 1723 - Fair FHA Appraisal Act S. 1222 - STOP FRAUD Act Other Issues: Grants to States to purchase foreclosed properties: H.R. 5818 - Neighborhood Stabilization Act of 2008. Fair Housing: H.R. 2926 / S. 1733 -- Housing Fairness Act of 2007. Provisison pertaining to expanding eligibilty for Farm Credit Home Loans: H.R. 2419 - Food & Energy Security Act of 2007 Provisions pertaining to the International Real Property Foundation: State Foreign Operations Appropriations Bill. Elderly Housing: H.R. 2930 - The Section 202 Supportive Housing for the Elderly Act of 2007 Funding for Housing in the Gulf: H.R. 1227 - Gulf Coast Hurricane Housing Recovery Act of 2007 Low-income Housing Assistance: S. 1386 - Homeownership Protection and Enhancement Act of 2007 Expansion of the HOPE VI Program: H.R. 3524 - HOPE VI Improvement and Reauthorization Act of 2007
Client expense: $3,740,000 · Firm income: Not reported
Government targets: Agriculture, Dept of (USDA), Army, Dept of (Corps of Engineers), Bureau of Land Management (BLM), Environmental Protection Agency (EPA), Farm Credit Administration, Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), Federal Reserve System, Federal Trade Commission (FTC), Financial Crimes Enforcement Network (FinCEN), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Interior, Dept of (DOI), Office of Management & Budget (OMB), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of, U.S. Agency for International Development (USAID), Veterans Affairs, Dept of (VA)
2008 · second_quarter · Banking
H.R.1427 Federal Housing Reform Act of 2007. All Provisions. GSE Reform. H.R.44 Stabilizing Affordable Housing for the Future Act. All Provisions. Preserves affordable housing opportunities for low-income families. H.R.526 Supporting home ownership and responsible lending. All Provisions. Supports home ownership and responsible lending. S. 2736 Section 202 Supportive Housing for the Elderly Act of 2008. All Provisions. Amends section 202 of the Housing Act of 1959 to improve the program under such section for supportive housing for the elderly, and for other purposes. H.R.4735. Tenant Protection in Foreclosure Act of 2007. All Provisions. Amends the Truth in Lending Act to protect tenants' interests in foreclosure proceedings. S.2595 S.A.F.E. Mortgage Licensing Act of 2008. All Provisions. Creates a national licensing system for residential mortgage loan originators, to develop minimum standards of conduct to be enforced by State regulators, and for other purposes. S.1100, Federal Housing Enterprise Regulatory Reform Act of 2007. All provisions. Addresses the regulation of secondary mortgage market enterprises. S. 1222, Stop Fraud Act. All provisions. Stops mortgage transactions which operate to promote fraud, risk, abuse, and under-development. H.R.1289, Community Reinvestment Modernization Act of 2007. All provisions. Enhances the availability of capital and credit for all citizens and communities. S.1299, Borrower's Protection Act of 2007. All provisions. Establishes fiduciary duty for mortgage brokers and originators; establishes standards to assess a consumer's ability to repay. S.1985, Capital Access for Senior Homeowners Act of 2007. All Provisions. Improves access of senior homeowners to capital. S.2036, Protecting Access to Safe Mortgages Act. All Provisions. Raises conforming loan limits, portfolio caps for Freddie Mac & Fannie Mae. H.R.2061, Predatory Mortgage Lending Practices Reduction Act (Consumer Fairness Act). All Provisions. Protects home buyers from predatory lending practices. S.2114, American Home Ownership Preservation Act of 2007. All Provisions. Enhances disclosures and regulation ofloan originations; state grants. S.2153, Mortgage Disclosure Improvement Act of 2007. All Provisions. Enhances disclosure of the terms of home mortgage loans. S.2169, PROMISE Act. All Provisions. Temporarily increases the portfolio caps applicable to Freddie Mac and Fannie Mae, to provide the necessary financing to curb foreclosures by facilitating the refinancing of at-risk subprime borrowers into safe, affordable loans. S.2201, Home Ownership Mortgage Emergency Act. All Provisions. Penalty-free use of retirement funds for mortgage delinquency relief. S.2296, Mortgage Disclosure Enhancement Act of 2007. All Provisions. Provides for improved disclosures by all mortgage lenders at the loan approval and settlement stages of all mortgage loans. S.2346, PROMISE Act. All Provisions. Temporarily increases the portfolio caps applicable to Freddie Mac and Fannie Mae, to provide the necessary financing to curb foreclosures by facilitating the refinancing of at-risk subprime borrowers into safe, affordable loans. S.2391, Government Sponsored Enterprise Mission Improvement Act. All Provisions. Provides for affordable housing relief. S.2452, The Homeownership Preservation and Protection Act of 2007. All Provisions. Protection to consumers with respect to celiain high-cost loans. H.R. 2895, National Affordable Housing Trust Fund Act of 2007. All Provisions. Establishes National Affordable Housing Trust Fund in the Treasury. H.R.3012, Fair Mortgage Practices Act of 2007. All Provisions. Provides for the establishment of fair mortgage practices; subprime mortgages: provides a national system for licensing or registering residential mortgage loan originators. H.R.3081, Fairness for Homeowners Act of 2007. All Provisions. Protects consumers from certain practices in connection with the origination of consumer credit transactions secured by the consumer's principal dwelling. H.R. 3296, Mortgage Broker Transparency and Accountability Act of 2007. All Provisions. Amends the Truth in Lending Act: establishes transparency and accountability requirements for mortgage brokers. H.R.3526, To include all banking agencies within the existing regulatory framework- Section I. Amends the Internal Revenue Code to make permanent tax deductions for mortgage insurance premiums. H.R.5153 Conforming Loan Limit Temporary Adjustment Act of 2008. All Provisions. To increase temporarily the conforming loan limits of Fannie Mae & Freddie Mac in certain areas, enhance mortgage market liquidity. H.R.5500. Foreclosure Credit Forgiveness Act of 2008. All Provisions. Amends the Fair Credit Reporting Act to provide forbearance from foreclosures of subprime mortgages in the determination of a consumer credit score. S.2523, National Affordable Housing Trust Fund Act of 2007. All Provisions. Seeks to establish the National Affordable Housing Trust Fund in the Treasury of the United States to provide for the construction, rehabilitation, and preservation of decent, safe and affordable housing for low-income families. H.R. 3535, Homebuyer's Protection Act of 2007. All Provisions. Requires escrow accounts for the payment of property taxes and insurance for all subprime loans, and expands the coverage of the appraisal requirements. H.R.3557, Restore American Dream Act of 2007. All Provisions. The establishment of, and the deduction of contributions to, homeownership plans. H.R.3587, Homeowners' Emergency Mortgage Assistance Act. All Provisions. Establishes a program to assist homeowners experiencing unavoidable, temporary difficulty making payments on mortgages insured under the National Housing Act. H.R.3609, Emergency Home Ownership and Mortgage Equity Protection Act. All provisions. Modifies certain mortgages on principal residences. H.R.3666, Foreclosure Prevention and Homeownership Protection Act. All Provisions. Seeks partisan commission to perform a comprehensive examination of the current foreclosure and mortgage lending crisis. H.R.3705, Fair Disclosure for Homeowners Act of 2007 . All Provisions. Requires notice to consumers of an upcoming adjustment or reset date with respect to hybrid ARMs. H.R.3740, ASPIRE Act. All Provisions. Provides every newborn with a $500 Savings Account for education/retirement purposes. H.R.3777, Protecting Access to Safe Mortgages Act. All provisions. Temporarily raisees confOlming loan limits in high cost areas and portfolio caps applicable to Freddie Mac and Fannie Mae, provides the necessary financing to curb foreclosures by facilitating the refinancing of at-risk subprime borrowers into safe, prime loans, to preserve liquidity in the mortgage lending markets. H.R.3813, Mortgage Kickback Prevention Act of 2007. All provisions. Prohibits mortgage originators from receiving incentive compensation that variesfrom terms of a res. mortgage loan, and from steering consumers to residential mortgage loans not in the consumers' best interest. H.R.3837, Escrow, Appraisal, and Mortgage Servicing Improvements Act. All provisions. Requires escrows for certain mortgages,loans, improves mortgage servicing, promotes sustainable homeownership opportunities, enhances appraisal quality and standards, provides better appraisal oversight, mitigates appraiser pressure. H.R.3894, Negative Amortization Mortgage Loan Transparency Act. All Provisions. Establishes requirements for providing negatively amortizing mortgage loans to first-time borrowers. H.R.3915, Mortgage Reform and Anti-Predatory Lending Act of 2007. All provisions. Reforms consumer mortgage practices and provides accountability for such practices, establishes licensing and registration requirements for residential mortgage originators, provides certain minimum standards for consumer mortgage loans. H.R.4019, Mortgage Disclosure Improvement Act of 2007. All provisions. Enhances disclosure of the terms of home mortgage loans. H.R.4135, Family Foreclosure Rescue Corporation Act. All Provisions. Establishes the Family Foreclosure Rescue Corporation to provide emergency relief to refinance home mortgages of homeowners in foreclosure or default. H.R.4178, Emergency Mortgage Loan Modification Act of 2007. All Provisions. Removes an impediment to troubled debt restructuring on the patt of holders of residential mortgage loans. S.2399, Financial Education and Counseling Assistance Act of 2007. All provisions.Seeks to expancd and improve housing counseling services by increasing financial education and counseling services available to homeowners and prospective homebuyers in financial turmoil or who seek credit or other personal financial assistance, and for other purposes. S.2490, Reverse Mortgage Proceeds Protection Act. All Provisions. Seeks to prohibit authorized lenders of home equity conversion mortgages from requiring seniors to purchase an annuity with the proceeds of a reverse mortgage, and to provide other consumer protections to reverse mortgage borrowers.
Client expense: $1,204,000 · Firm income: Not reported
Government targets: Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE, Treasury, Dept of, Veterans Affairs, Dept of (VA), White House Office
2008 · second_quarter · Banking
Issues related to traditional banking, checking and savings accounts, mortgage loans, home equity lines of credit and other issues including the following legislation: S.1299 - Borrower's Protection Act of 2007; H.R.3012 - Fair Mortgage Practices Act of 2007; H.R.3081- Fairness for Homeowners Act of 2007; H.R.3296 - Mortgage Broker Transparency and Accountability Act of 2007; H.R.3609 - Emergency Home Ownership and Mortgage Equity Protection Act of 2007; S.2136 - Helping Families Save Their Homes in Bankruptcy Act of 2007; H.R. 946 - Consumer Overdraft Protection Fair Practices Act; S.2133 - HOMES Act; H.R.3221 - American Housing Rescue and Foreclosure Prevention Act of 2008; H.R.3778 - HOMES Act; H.R.3915 - Mortgage Reform and Anti-Predatory Lending Act of 2007; S.1222 - STOP FRAUD Act; S.2452 - Home Ownership Preservation and Protection Act of 2007; and S.2636 - Foreclosure Prevention Act of 2008.
Client expense: $237,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2008 · second_quarter · Banking
S 1356, Industrial Bank Holding Company Act of 2007 S 1405, Communities First Act HR 3012, Fair Mortgage Practices Act of 2007 HR 1852, Expanding American Homeownership Act of 2007 HR 1869, Communities First Act HR 1537, Credit Union Regulatory Improvement Act of 2007 HR 5519 Credit Union Regulatory Relief Act HR 1849, Credit Union Small Business Lending Act HR 2727, Small Business SOX Compliance Extension Act HR 1332, Small Business Lending Improvements Act of 2007 HR 111, Community Choice in Real Estate Act HR 873, Credit Card Payment Fee Act of 2007 HR 946, The Consumer Overdraft Protection Fair Practices Act of 2007 HR 890, Student Loan Sunshine Act HR 323, Seasoned Customer CTR Exemption Act of 2007 HR 3915, Mortgage Reform and Anti-Predatory Lending Act of 2007 HR 3778 Home Owners Mortgage and Equity Savings Act HR 1550, Regulatory Relief and Fairness Act HR 2895, National Affordable Housing Trust Fund Act of 2007 HR 1967, Financial Privacy Notice Relief Act of 2007 HR 3609, Emergency Home Ownership and Mortgage Equity Protection Act HR 3506 Foreclosure Tax Relief Act S 1256, Small Business Lending Reauthorization and Improvement Act S 1260, The Data Security Act of 2007 S 486, Student Loan Sunshine Act S 1222, Stopping Mortgage Transactions which Operate to Promote Fraud, Risk, Abuse And Underdevelopment Act S 1100, Federal Housing Enterprise Regulatory Reform Act of 2007 S 947, 21st Century Housing Act S 1299, Borrowers Protection Act of 2007 S 2452, Homeownership Preservation and Protection Act of 2007 S 2338, FHA Modernization Act of 2007 S. 2136, Helping Families Save Their Homes in Bankruptcy Act S. 2133, Home Owners Mortgage and Equity Savings Act S 2636 Foreclosure Prevention Act of 2008 S 413, Community Choice in Real Estate Act HR 5244, Credit Cardholder's Bill of Rights Act of 2008 HR 5546, Credit Card Fair Fee Act of 2008 HR 3221, American Housing and Foreclosure Prevention Act of 2008 HR 5841, Bank and Thrift Regulatory Relief Act of 2008 HR 6312, Credit Union, Bank and Thrift Regulatory Relief Act of 2008 S 1145, Patent Reform Act of 2007 S 3086, Credit Card Fair Fee Act of 2008 HR 5767, Payments System Protection Act of 2008 (Internet Gambling) S Credit Card Accountability, Responsibility, and Disclosure Act S 2753 Credit Card Reform Act of 2008 HR 6248, Credit Card Interchange Fees Act of 2008 Credit Card Protections and Disclosures Credit Card/Debit Card Interchange Fees Appraisal Policy for Housing GSEs Deposit Concentration Cap Federal Home Loan Bank System Issues ILC Applications by Commercial Companies Overdraft Protection Programs Payments System Issues Predatory Lending Issues Regulation of Industrial Loan Corporation holding companies Regulatory Relief Relief from Securities Law Requirements for Small Companies Sarbanes-Oxley Act Relief for Community Banks Separation of Banking and Commerce Subprime Lending Housing GSEs Expedited Funds Availability Dollar Limits Adjustment Act of 2008 Homeland Security and Critical Infrastructure Protection Payments Systems Internet Gambling Prohibition
Client expense: $1,240,000 · Firm income: Not reported
Government targets: Agriculture, Dept of (USDA), Export-Import Bank of the United States (EXIM Bank), Farm Credit Administration, Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Small Business Administration (SBA), Treasury, Dept of
2008 · second_quarter · Financial Institutions/Investments/Securities
S.1299, Borrower's Protection Act of 2007, subprime issues. H.R. 2061, Predatory Mortgage Lending Practices Reduction Act, subprime issues. H.R. 3012, Fair Mortgages Practices Act of 2007, subprime issues. H.R.3133, Financial Literacy for Homeowners Act, subprime issues. S.1222, Stop Fraud Act, subprime issues. Financial Services and General Government Appropriations Bill, FY2009, financial services issues. H.R.1427, Federal Housing Finance Reform Act of 2007, Bank regulation reform issues. H.R.3221/S.3221, Foreclosure Prevention Act of 2008, Housing issues and bankruptcy issues.
Client expense: Not reported · Firm income: $100,000
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2008 · second_quarter · Banking
H.R.1427, Federal Housing Finance Reform Act of 2007, GSE reform issues. S.1299, Borrowers Protection Act 2007, subprime issues. H.R.2061, Predatory Mortgage Lending Practices Reduction Act, subprime issues. H.R. 3012, Fair Mortgage Practices Act of 2007, subprime issues. H.R. 3133, Financial Literacy for Homeowners's Act, subprime issues. S. 1222, Stop Fraud Act, subprime issues. Financial Services and General Government Appropriations Bill, FY2009, financial services issues. H.R.1427, Federal Housing Finance Reform Act of 2007, Bank regulation reform issues. S.2133, Home Owners' Mortgage and Equity Savings Act, Housing issues. H.R.3221/S.2636, Foreclosure Prevention Act of 2008, Housing issues and bankruptcy issues. H.R.2091/S.1963, To amend the Internal Revenue Code of 1986 to allow bonds guaranteed by the Federal home loan banks to be treated as tax exempt bonds, Housing issues.
Client expense: Not reported · Firm income: $100,000
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2008 · second_quarter · Financial Institutions/Investments/Securities
H.R. 1427, "Federal Housing Finance Reform Act of 2007," issues related to the secondary market. S. 1100, "Federal Housing Enterprise Regulatory Reform Act of 2007," issues related to the secondary market. H.R. 3915, "The Mortgage Reform and Anti-Predatory Lending Act of 2007," issues related to the housing market and predatory lending. H.R.1852, "Expanding American Homeownership Act of 2007," issues related to FHA reform. S. 2338, "FHA Modernization Act of 2007," issues related to FHA modernization. H.R. 2895, "National Affordable Housing Trust Fund Act of 2007," issues related to FHA and GSE conforming loan limits. S. 2391, "GSE Mission Improvement Act," issues related to government sponsored enterprises. S. 2036, "Protecting Access to Safe Mortgages Act ," issues related to GSE conforming loan limits. H.R. 3777, "Protecting Access to Safe Mortgages Act," issues related to GSE conforming loan limits. H.R. 3081, Fairness for Homeowners Act of 2007," issues related to the Truth in Lending Act (TILA). H.R. 3012, "Fair Mortgage Practices Act of 2007," issues related to mortgage fraud. H.R. 2139, "FHA Manufacturing Housing Loan Modernization Act of 2007," issues related to FHA loans S. 947, "A bill to modernize the Federal Housing Administration to meet the housing needs of the American people," issues related to FHA loans. S. 1222, "Stopping Mortgage Transactions which Operate to Promote Fraud, Risk, Abuse and Underdevelopment Act, or the STOP FRAUD Act," issues related to mortgage lending," issues related to mortgage lending S. 1299, "Borrower's Protection Act of 2007," issues related to mortgage lending H Con Res 127, "Supporting home ownership and responsible lending," issues related to mortgage lending H.R. 2061, "Predatory Mortgage Lending Practices Reduction Act," issues related to mortgage lending H.R. 698, "Industrial Bank Holding Company Act of 2007," issues related to Industrial Loan Companies S. 1356, "Industrial Bank Holding Company Act of 2007," issues related to Industrial Loan Companies H.R. 1682, "Flood Insurance Reform and Modernization Act of 2007," issues related to the National Flood Insurance Program H.R. 1227, "Gulf Coast Hurricane Housing Recovery Act of 2007," issues related to Katrina Recovery S. 1668, "Gulf Coast Housing Recovery Act of 2007," issues related to Katrina Recovery S. 825, "To provide additional funds for the Road Home program," issues related to Katrina Recovery H.R. 3121, "Flood Insurance Reform and Modernization Act of 2007," issues related to flood insurance. H.R. 3355, "Homeowners' Defense Act of 2007," issues related to flood insurance. H.R. 1066, "Depository Institution Community Development Investments Enhancement Act," issues related to public welfare investments by banks. S. 2487, "Depository Institution Community Development Investments Enhancement Act," issues related to public welfare investments by banks. S. 2452, "Homeownership Preservation and Protection Act of 2007," issues related to mortgage lending. H.R. 4019, "Mortgage Disclosure Improvement Act of 2007," issues related to mortgage disclosures. S. 2153, "Mortgage Disclosure Improvement Act of 2007," issues related to mortgage disclosures. H.R. 3211, "Foreclosure Prevention Act of 2008," issues related to mortgage lending. S. 2595, "Secure and Fair Enforcement for Mortgage Licensing Act of 2008, or S.A.F.E. Mortgage Licensing Act of 2008," issues related to the licensing of loan originators. H.R. 5140, "Economic Stimulus Act of 2008;" issues related to mortgage lending. H.R. 5818, "Neighborhood Stablization Act of 2008," issues related to mortgage lending. H.R. 5579, "Emergency Mortgage Loan Modification Act of 2008," issues related to mortgage lending. H.R. 5830, "FHA Housing Stabilization and Homeowner Retention Act of 2008," issues related to mortgage lending. H.R. 5679, "The Foreclosure Prevention and Sound Mortgage Servicing Act of 2008," issues related to mortgage lending. H.R. 634, "The Federal Housing Finance Regulatory Reform Act of 2008," issues related to mortgage lending. Issues related to the subprime mortgage situation, the Joint Federal Financial Regulatory Agencies' Subprime Statement, issues related to the Joint Federal Financial Regulatory Agencies' Nontraditional Mortgage Guidance, the Federal Reserve's proposed changes to the HOEPA regulations, RESPA, the HOPE NOW Alliance, mortgage-backed securities, Truth in Lending Act, mortgage, reform, mortgage broker compensation, subprime lending, privacy, secondary mortgage market, issues related to the Home Mortgage Disclosure Act ("HMDA"), provisions relating to notices and disclosures to be given to mortgage borrowers, pending legislation to create a new regulator for housing GSEs, issues relating to the preemptive authority of the Office of the Comptroller of the Currency, issues related to the NY Attorney General's Agreement with the GSEs on appraisals.
Client expense: Not reported · Firm income: $380,000
Government targets: Executive Office of the President (EOP), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Natl Credit Union Administration (NCUA), Office of Management & Budget (OMB), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of
2008 · first_quarter · Banking
HR 946: Overdraft Protection Fair Practices Act HR 3012: Fair Mortgage Practices Act of 2007 HRes 526: Whereas Homeownership is an important part of realizing the America Dream HR 3081: Fairness for Homeowners Act HR 1996: Preservation of Federalism in Banking HR 3296: Mortgage Broker Transparancy and Accountability Act of 2007 HR 2871: Payday Loan Reform Act of 2007 HR 3017: Stop Fraud Act HR 2061: Predatory Mortgage Lending Practices Reduction Act HR 3133: Financial Literacy for Homeowners Act HR 1289: Community Reinvestment Modernization Act of 2007 HR 2146: Universal Default Prohibition Act of 2007 HR 1852: Expanding American Homeownership Act of 2007 HR 1752: Expanding American Homeownership Act of 2007 HR 1723: Fair FHA Appraisals Act of 2007 HR 3915: Mortgage Reform and Anti-Predatory Lending Act of 2007 HR 3837: Escrow, Appraisal, and Mortgage Servicing Improvements Act HR 3609: Emergency Home Ownership and Mortgage Equity Protection Act S 1386: Homeownership Protection and Enhancement Act of 2007 S 1299: Borrower's Protection Act of 2007 S 1309: Universal Default Prohibition Act of 2007 S 1222: Stop Fraud Act S 1395: Stop Unfair Practices in Credit Cards Act of 2007 S 947: 21st Century Housing Act S 1805: FHA Loan Limit Adjustment Act of 2007 S 2452: Home Ownership Preservation and Protection Act of 2007 S 2136: Helping Families Save Their Homes in Bankruptcy Act HR 3221: Foreclosure Prevention Act of 2008 HR 5830: FHA Housing Stabilization and Homeownership Retention Act HR 5776: Homeowner Empowerment Act HR 5679: Foreclosure Prevention and Sound Mortgage Servicing Act HR 5678: Neighborhood Rescue and Stabilization Act HR 5649: Home Owners' Loan Corporation for the 21st Century Act HR 5579: Emergency Mortgage Loan Modification Act HR 5572: Helping Communities Act HR 5500: Foreclosure Credit Forgiveness Act HR 3648: Mortgage Forgiveness Debt Relief Act S 2753: Credit Card Reform Act S 2595: S.A.F.E. Mortgage Licensing Act S 2542: Credit Card Minimum Payment Notification Act S 2455: Community Foreclosure Assistance Act S 2411: Credit Card Safety Star Act S 2153: Mortgage Disclosure Improvement Act S 2036: Protecting Access to Safe Mortgages Act HR 5244: Credit Cardholders' Bill of Rights Act HR 4135: Family Foreclosure Rescue Corporation Act
Client expense: $180,000 · Firm income: Not reported
2008 · first_quarter · Housing
FHA Reform: H.R. 1752 - Expanding American Homeownership Act S. 947 - 21st Centurty Housing Act FHA Reform, continued: H.R. 1852 - Expanding American Homeownership Act S. 2338 - FHA Modernization Act of 2007 H.R. 2139 - FHA Manufactured Housing Loan Modernization Act of 2007 H.R. 5140 - Economic Stimulus Act of 2008 (Provisions related to FHA Loan Limits) H.R. 3221 - A bill to provide needed housing reform and other purposes (Provisions related to FHA Loan Limits) Section 8 Housing Reform: H.R. 1851/S. 2684 - The Section 8 Voucher Reform Act of 2007 H.R. 3965 - The Mark-to-Market Extension & Enhancement Act of 2007 Development of Affordable Housing Trust Fund: H.R. 2895 -National Affordable Housing Trust Fund Act of 2007 S. 2523 - National Affordable Housing Trust Fund Act of 2007 Expanding Home Loan Opportunities for Native Americans: H.R. 3002 - Native American Economic Development and Infrastructure for Housing Act of 2007 H.R. 1676 - Native American Home Ownership Opportunity Act of 2007 Rural Housing: H.R. 1982 - The Rural Housing & Economic Development Act H.R. 3878 - The Section 515 Rural Housing Property Transfer Improvement Act of 2007 Veterans Housing: H.R. 2385 - The 21st Century GI Bill of Rights Act of 2007 S. 1409 - The 21st Century GI Bill of Rights Act of 2007 H.R. 4884 - Helping Our Veterans to Keep Their Homes Act of 2008 H.R. 4539 - Department of Veterans Affairs Loan Guaranty Cost Reduction Act of 2007 H.R. 5566/5561; S. 2768 - Veterans Mortgage Stimulus Clarification Act of 2008 (To raise VA Loan Limits) Appraisal Reform: H.R. 1723 - Fair FHA Appraisal Act S. 1222 - STOP FRAUD Act Other Issues: Farm Credit Home Loans: H.R. 2419 - Food & Energy Security Act of 2007 Elderly Housing: H.R. 2930 - The Section 202 Supportive Housing for the Elderly Act of 2007 Housing in the Gulf: H.R. 1227 - Gulf Coast Hurricane Housing Recovery Act of 2007 Monies for International Housing Efforts: H.R. 2764 - Department of State, Foreign Operations & Related Programs Appropriations Act, 2008 Low-income Housing Assistance: S. 1386 - Homeownership Protection and Enhancement Act of 2007 Expansion of the HOPE VI Program: H.R. 3524 - HOPE VI Improvement and Reauthorization Act of 2007
Client expense: $3,140,000 · Firm income: Not reported
Government targets: Agriculture, Dept of (USDA), Army, Dept of (Corps of Engineers), Environmental Protection Agency (EPA), Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Interior, Dept of (DOI), Office of Management & Budget (OMB), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of, U.S. Agency for International Development (USAID), Veterans Affairs, Dept of (VA)
2008 · first_quarter · Financial Institutions/Investments/Securities
H.R. 1427, "Federal Housing Finance Reform Act of 2007," issues related to the secondary market. S. 1100, "Federal Housing Enterprise Regulatory Reform Act of 2007," issues related to the secondary market. H.R. 3915, "The Mortgage Reform and Anti-Predatory Lending Act of 2007," issues related to the housing market and predatory lending. H.R.1852, "Expanding American Homeownership Act of 2007," issues related to FHA reform. S. 2338, "FHA Modernization Act of 2007," issues related to FHA modernization. H.R. 2895, "National Affordable Housing Trust Fund Act of 2007," issues related to FHA and GSE conforming loan limits. S. 2391, "GSE Mission Improvement Act," issues related to government sponsored enterprises. S. 2036, "Protecting Access to Safe Mortgages Act ," issues related to GSE conforming loan limits. H.R. 3777, "Protecting Access to Safe Mortgages Act," issues related to GSE conforming loan limits. H.R. 3081, Fairness for Homeowners Act of 2007," issues related to the Truth in Lending Act (TILA). H.R. 3012, "Fair Mortgage Practices Act of 2007," issues related to mortgage fraud. H.R. 2139, "FHA Manufacturing Housing Loan Modernization Act of 2007," issues related to FHA loans S. 947, "A bill to modernize the Federal Housing Administration to meet the housing needs of the American people," issues related to FHA loans. S. 1222, "Stopping Mortgage Transactions which Operate to Promote Fraud, Risk, Abuse and Underdevelopment Act, or the STOP FRAUD Act," issues related to mortgage lending," issues related to mortgage lending S. 1299, "Borrower's Protection Act of 2007," issues related to mortgage lending H Con Res 127, "Supporting home ownership and responsible lending," issues related to mortgage lending H.R. 2061, "Predatory Mortgage Lending Practices Reduction Act," issues related to mortgage lending H.R. 698, "Industrial Bank Holding Company Act of 2007," issues related to Industrial Loan Companies S. 1356, "Industrial Bank Holding Company Act of 2007," issues related to Industrial Loan Companies H.R. 1682, "Flood Insurance Reform and Modernization Act of 2007," issues related to the National Flood Insurance Program H.R. 1227, "Gulf Coast Hurricane Housing Recovery Act of 2007," issues related to Katrina Recovery S. 1668, "Gulf Coast Housing Recovery Act of 2007," issues related to Katrina Recovery S. 825, "To provide additional funds for the Road Home program," issues related to Katrina Recovery H.R. 3121, "Flood Insurance Reform and Modernization Act of 2007," issues related to flood insurance. H.R. 3355, "Homeowners' Defense Act of 2007," issues related to flood insurance. H.R. 1066, "Depository Institution Community Development Investments Enhancement Act," issues related to public welfare investments by banks. S. 2487, "Depository Institution Community Development Investments Enhancement Act," issues related to public welfare investments by banks. S. 2452, "Homeownership Preservation and Protection Act of 2007," issues related to mortgage lending. H.R. 4019, "Mortgage Disclosure Improvement Act of 2007," issues related to mortgage disclosures. S. 2153, "Mortgage Disclosure Improvement Act of 2007," issues related to mortgage disclosures. H.R. 3211, "Foreclosure Prevention Act of 2008," issues related to mortgage lending. S. 2595, "Secure and Fair Enforcement for Mortgage Licensing Act of 2008, or S.A.F.E. Mortgage Licensing Act of 2008," issues related to the licensing of loan originators. H.R. 5140, "Economic Stimulus Act of 2008;" issues related to mortgage lending Issues related to the subprime mortgage situation, the Joint Federal Financial Regulatory Agencies' Subprime Statement, issues related to the Joint Federal Financial Regulatory Agencies' Nontraditional Mortgage Guidance, the Federal Reserve's proposed changes to the HOEPA regulations, RESPA, the HOPE NOW Alliance, mortgage-backed securities, Truth in Lending Act, mortgage, reform, mortgage broker compensation, subprime lending, privacy, secondary mortgage market, issues related to the Home Mortgage Disclosure Act ("HMDA"), provisions relating to notices and disclosures to be given to mortgage borrowers, pending legislation to create a new regulator for housing GSEs, issues relating to the preemptive authority of the Office of the Comptroller of the Currency.
Client expense: Not reported · Firm income: $500,000
Government targets: Executive Office of the President (EOP), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), Government Accountability Office (GAO), 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, Treasury, Dept of
2008 · first_quarter · Banking
S 1356, Industrial Bank Holding Company Act of 2007 S 1405, Communities First Act HR 3012, Fair Mortgage Practices Act of 2007 HR 3316, Identity Theft Protection Act of 2007 HR 1852, Expanding American Homeownership Act of 2007 HR 2527, FDIC Enforcement Enhancement Act HR 3121, Flood Insurance Reform and Modernization Act of 2007 HR 2761, Terrorism Risk Insurance Revision and Extension Act of 2007 HR 1869, Communities First Act HR 1537, Credit Union Regulatory Improvement Act of 2007 HR 5519 Credit Union Regulatory Relief Act HR 1849, Credit Union Small Business Lending Act HR 2727, Small Business SOX Compliance Extension Act HR 1332, Small Business Lending Improvements Act of 2007 HR 111, Community Choice in Real Estate Act HR 1685, The Data Security Act of 2007 HR 958, The Data Accountability and Trust Act of 2007 HR 873, Credit Card Payment Fee Act of 2007 HR 1461, Credit Card Accountability Responsibility and Disclosure Act of 2007 HR 1510, Credit Card Repayment Act of 2007 HR 2146, Universal Default Prohibition Act of 2007 HR 946, The Consumer Overdraft Protection Fair Practices Act of 2007 HR 890, Student Loan Sunshine Act HR 323, Seasoned Customer CTR Exemption Act of 2007 HR 3915, Mortgage Reform and Anti-Predatory Lending Act of 2007 HR 3778 Home Owners Mortgage and Equity Savings Act HR 1550, Regulatory Relief and Fairness Act HR 2895, National Affordable Housing Trust Fund Act of 2007 HR 1967, Financial Privacy Notice Relief Act of 2007 HR 3609, Emergency Home Ownership and Mortgage Equity Protection Act HR 3506 Foreclosure Tax Relief Act S 1256, Small Business Lending Reauthorization and Improvement Act S 1260, The Data Security Act of 2007 S 495, The Personal Data Privacy and Security Act of 2007 S1178, The Identity Theft Prevention Act of 2007 S 1176, Credit Card Minimum Payment Warning Act of 2007 S 1309, Universal Default Prohibition Act of 2007 S 1395, Stop Unfair Practices in Credit Cards Act of 2007 S 486, Student Loan Sunshine Act S 1222, Stopping Mortgage Transactions which Operate to Promote Fraud, Risk, Abuse And Underdevelopment Act S 1100, Federal Housing Enterprise Regulatory Reform Act of 2007 S 947, 21st Century Housing Act S 1762, Higher Education Access S 1299, Borrowers Protection Act of 2007 S 2452, Homeownership Preservation and Protection Act of 2007 S 2338, FHA Modernization Act of 2007 S. 2136, Helping Families Save Their Homes in Bankruptcy Act S. 2133, Home Owners Mortgage and Equity Savings Act S 2636 Foreclosure Prevention Act of 2008 S 413, Community Choice in Real Estate Act Bank Secrecy Act and Anti-Money Laundering Issues Consumer Data Security Credit Card Protections and Disclosures Credit Card/Debit Card Interchange Fees Critical Infrastructure Protection and Homeland Security Deposit Concentration Cap Federal Home Loan Bank System Issues ILC Applications by Commercial Companies Military Consumer Lending Rules Overdraft Protection Programs Payments System Issues Predatory Lending Issues Regulation of Industrial Loan Corporation holding companies Regulatory Relief Relief from Securities Law Requirements for Small Companies Sarbanes-Oxley Act Relief for Community Banks Separation of Banking and Commerce Subprime Lending Housing GSEs
Client expense: $820,000 · Firm income: Not reported
Government targets: Agriculture, Dept of (USDA), Export-Import Bank of the United States (EXIM Bank), Farm Credit Administration, Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Small Business Administration (SBA), Treasury, Dept of
2008 · first_quarter · Banking
H.R.1427, Federal Housing Finance Reform Act of 2007, GSE reform issues. S.1299, Borrowers Protection Act 2007, subprime issues. H.R.2061, Predatory Mortgage Lending Practices Reduction Act, subprime issues. H.R. 3012, Fair Mortgage Practices Act of 2007, subprime issues. H.R. 3133, Financial Literacy for Homeowners's Act, subprime issues. S. 1222, Stop Fraud Act, subprime issues. Financial Services and General Government Appropriations Bill, FY2009, financial services issues. H.R.1427, Federal Housing Finance Reform Act of 2007, Bank regulation reform issues. S.2133, Home Owners' Mortgage and Equity Savings Act, Housing issues. S.2636, Foreclosure Prevention Act of 2008, Housing issues and bankruptcy issues. H.R.2091/S.1963, To amend the Internal Revenue Code of 1986 to allow bonds guaranteed by the Federal home loan banks to be treated as tax exempt bonds, Housing issues.
Client expense: Not reported · Firm income: $50,000
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2008 · first_quarter · Financial Institutions/Investments/Securities
S.1299, Borrower's Protection Act of 2007, subprime issues. H.R. 2061, Predatory Mortgage Lending Practices Reduction Act, subprime issues. H.R. 3012, Fair Mortgages Practices Act of 2007, subprime issues. H.R.3133, Financial Literacy for Homeowners Act, subprime issues. S.1222, Stop Fraud Act, subprime issues. Financial Services and General Government Appropriations Bill, FY2009, financial services issues. H.R.1427, Federal Housing Finance Reform Act of 2007, Bank regulation reform issues.
Client expense: Not reported · Firm income: $50,000
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2008 · first_quarter · Banking
H.R. 5153 Conforming Loan Limit Temporary Adjustment Act of 2008. All Provisions. To increase temporarily the conforming loan limits of Fannie Mae & Freddie Mac in certain areas, enhance mortgage market liquidity. H.R. 5500. Foreclosure Credit Forgiveness Act of 2008. All Provisions. Amends the Fair Credit Reporting Act to provide forbearance from foreclosures of subprime mortgages in the determination of a consumer credit score H.R. 4735. Tenant Protection in Foreclosure Act of 2007. All Provisions. Amends the Truth in Lending Act to protect tenants interests in foreclosure proceedings. S. 2736 Section 202 Supportive Housing for the Elderly Act of 2008. All Provisions. Amends section 202 of the Housing Act of 1959 to improve the program under such section for supportive housing for the elderly, and for other purposes. S. 2595 S.A.F.E. Mortgage Licensing Act of 2008. All Provisions. Creates a national licensing system for residential mortgage loan originators, to develop minimum standards of conduct to be enforced by State regulators, and for other purposes. H.R. 44, Stabilizing Affordable Housing for the Future Act. All Provisions. Preserves affordable housing opportunities for low-income families. H.R. 526, Full Funding for IDEA Now Act. All provisions. Supports home ownership and responsible lending. S.1100, Federal Housing Enterprise Regulatory Reform Act of 2007. All provisions. Addresses the regulation of secondary mortgage market enterprises. S. 1222, Stop Fraud Act. All provisions. Stops mortgage transactions which operate to promote fraud, risk, abuse, and under-development. H.R.1289, Community Reinvestment Modernization Act of 2007. All provisions. Enhances the availability of capital and credit for all citizens and communities. S.1299, Borrower's Protection Act of 2007. All provisions. Establishes fiduciary duty for mortgage brokers and originators; establishes standards to assess a consumer's ability to repay. H.R. 1427, Federal Housing Finance Reform Act of 2007. All Provisions. GSE Regulation Reform. S.1985, Capital Access for Senior Homeowners Act of 2007. All Provisions. Improves access of senior homeowners to capital. H.R. 1996, Preservation of Federalism in Banking Act. All Provisions. Clarifies applicability of State law to national banks and Federal savings associations. S.2036, Protecting Access to Safe Mortgages Act . All Provisions. Raises conforming loan limits, portfolio caps for Freddie Mac & Fannie Mae. H.R.2061, Predatory Mortgage Lending Practices Reduction Act. All Provisions. Protects home buyers from predatory lending practices. S.2114, American Home Ownership Preservation Act of 2007. All Provisions. Enhances disclosures and regulation of loan originations; state grants. S.2153, Mortgage Disclosure Improvement Act of 2007. All Provisions. Enhances disclosure of the terms of home mortgage loans. S.2169, PROMISE Act. All Provisions. Temporarily increases the portfolio caps applicable to Freddie Mac and Fannie Mae, to provide the necessary financing to curb foreclosures by facilitating the refinancing of at-risk subprime borrowers into safe, affordable loans. S.2201, Home Ownership Mortgage Emergency Act . All Provisions. Penalty-free use of retirement funds for mortgage delinquency relief. S.2296, Mortgage Disclosure Enhancement Act of 2007. All Provisions. Provides for improved disclosures by all mortgage lenders at the loan approval and settlement stages of all mortgage loans. S.2346, PROMISE Act. All Provisions. Temporarily increases the portfolio caps applicable to Freddie Mac and Fannie Mae, to provide the necessary financing to curb foreclosures by facilitating the refinancing of at-risk subprime borrowers into safe, affordable loans. S.2391, Government Sponsored Enterprise Mission Improvement Act. All Provisions. Provides for affordable housing relief. S.2452, The Homeownership Preservation and Protection Act of 2007. All Provisions. Protection to consumers with respect to certain high-cost loans. H.R. 2895, National Affordable Housing Trust Fund Act of 2007. All Provisions. Establishes National Affordable Housing Trust Fund in the Treasury. H.R.3012, Fair Mortgage Practices Act of 2007. All Provisions. Provides for the establishment of fair mortgage practices; subprime mortgages: provides a national system for licensing or registering residential mortgage loan originators. H.R.3081, Fairness for Homeowners Act of 2007. All Provisions. Protects consumers from certain practices in connection with the origination of consumer credit transactions secured by the consumer's principal dwelling. H.R. 3296, Mortgage Broker Transparency and Accountability Act of 2007. All Provisions. Amends the Truth in Lending Act: establishes transparency and accountability requirements for mortgage brokers. H.R.3526, To include all banking agencies within the existing regulatory framework- Section 1. Amends the Internal Revenue Code to make permanent tax deductions for mortgage insurance premiums. H.R. 3535, Homebuyer's Protection Act of 2007. All Provisions. Requires escrow accounts for the payment of property taxes and insurance for all subprime loans, and expands the coverage of the appraisal requirements. H.R.3557, Restore American Dream Act of 2007. All Provisions. The establishment of, and the deduction of contributions to, homeownership plans. H.R.3587, Homeowners' Emergency Mortgage Assistance Act. All Provisions. Establishes a program to assist homeowners experiencing unavoidable, temporary difficulty making payments on mortgages insured under the National Housing Act. H.R.3609, Emergency Home Ownership and Mortgage Equity Protection Act. All provisions. Modifies certain mortgages on principal residences. H.R.3666, Foreclosure Prevention and Homeownership Protection Act. All Provisions. Seeks partisan commission to perform a comprehensive examination of the current foreclosure and mortgage lending crisis. H.R.3705, Fair Disclosure for Homeowners Act of 2007 . All Provisions. Requires notice to consumers of an upcoming adjustment or reset date with respect to hybrid ARMs. H.R.3740, ASPIRE Act. All Provisions. Provides every newborn with a $500 Savings Account for education/retirement purposes. H.R.3777, Protecting Access to Safe Mortgages Act. All provisions. Temporarily raisees conforming loan limits in high cost areas and portfolio caps applicable to Freddie Mac and Fannie Mae, provides the necessary financing to curb foreclosures by facilitating the refinancing of at-risk subprime borrowers into safe, prime loans, to preserve liquidity in the mortgage lending markets. H.R.3813, Mortgage Kickback Prevention Act of 2007. All provisions. Prohibits mortgage originators from receiving incentive compensation that varies from terms of a res. mortgage loan, and from steering consumers to residential mortgage loans not in the consumers' best interest. H.R.3837, Escrow, Appraisal, and Mortgage Servicing Improvements Act. All provisions. Requires escrows for certain mortgage loans, improves mortgage servicing, promotes sustainable homeownership opportunities, enhances appraisal quality and standards, provides better appraisal oversight, mitigates appraiser pressure. H.R.3894, Negative Amortization Mortgage Loan Transparency Act. All Provisions. Establishes requirements for providing negatively amortizing mortgage loans to first-time borrowers. H.R.3915, Mortgage Reform and Anti-Predatory Lending Act of 2007. All provisions. Reforms consumer mortgage practices and provides accountability for such practices, establishes licensing and registration requirements for residential mortgage originators, provides certain minimum standards for consumer mortgage loans. H.R.4019, Mortgage Disclosure Improvement Act of 2007. All provisions. Enhances disclosure of the terms of home mortgage loans. H.R.4135, Family Foreclosure Rescue Corporation Act. All Provisions. Establishes the Family Foreclosure Rescue Corporation to provide emergency relief to refinance home mortgages of homeowners in foreclosure or default. H.R.4178, Emergency Mortgage Loan Modification Act of 2007. All Provisions. Removes an impediment to troubled debt restructuring on the part of holders of residential mortgage loans. S.2399, Financial Education and Counseling Assistance Act of 2007. All provisions.Seeks to expancd and improve housing counseling services by increasing financial education and counseling services available to homeowners and prospective homebuyers in financial turmoil or who seek credit or other personal financial assistance, and for other purposes. S.2490, Reverse Mortgage Proceeds Protection Act. All Provisions. Seeks to prohibit authorized lenders of home equity conversion mortgages from requiring seniors to purchase an annuity with the proceeds of a reverse mortgage, and to provide other consumer protections to reverse mortgage borrowers. S.2523, National Affordable Housing Trust Fund Act of 2007. All Provisions. Seeks to establish the National Affordable Housing Trust Fund in the Treasury of the United States to provide for the construction, rehabilitation, and preservation of decent, safe and affordable housing for low-income families.
Client expense: $1,020,000 · Firm income: Not reported
Government targets: Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), SENATE, Treasury, Dept of, Veterans Affairs, Dept of (VA), White House Office
2007 · year_end · Banking
HR 1996: Preservation of Federalism in Banking HR 3296: Mortgage Broker Transparancy and Accountability Act of 2007 HR 2871: Payday Loan Reform Act of 2007 HR 3017: Stop Fraud Act HR 2061: Predatory Mortgage Lending Practices Reduction Act HR 3133: Financial Literacy for Homeowners Act HR 1289: Community Reinvestment Modernization Act of 2007 HR 2146: Universal Default Prohibition Act of 2007 HR 1852: Expanding American Homeownership Act of 2007 HR 1752: Expanding American Homeownership Act of 2007 HR 1723: Fair FHA Appraisals Act of 2007 HR 3915: Mortgage Reform and Anti-Predatory Lending Act of 2007 HR 3837: Escrow, Appraisal, and Mortgage Servicing Improvements Act HR 3609: Emergency Home Ownership and Mortgage Equity Protection Act S 1386: Homeownership Protection and Enhancement Act of 2007 S 1299: Borrower's Protection Act of 2007 S 1309: Universal Default Prohibition Act of 2007 S 1222: Stop Fraud Act S 1395: Stop Unfair Practices in Credit Cards Act of 2007 S 947: 21st Century Housing Act S 1805: FHA Loan Limit Adjustment Act of 2007 S 2452: Home Ownership Preservation and Protection Act of 2007 S 2136: Helping Families Save Their Homes in Bankruptcy Act HR 946: Overdraft Protection Fair Practices Act HR 3012: Fair Mortgage Practices Act of 2007 HRes 526: Whereas Homeownership is an important part of realizing the America Dream HR 3081: Fairness for Homeowners Act
Client expense: $400,000 · Firm income: Not reported
Government targets: Defense, Dept of (DOD), Federal Housing Finance Agency (FHFA), Federal Reserve System, Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Natl Credit Union Administration (NCUA), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of
2007 · year_end · Banking
Bank Secrecy Act and Anti-Money Laundering Issues Consumer Data Security Corporate Governance Requirements Credit Card Protections and Disclosures Credit Card/Debit Card Interchange Fees Critical Infrastructure Protection and Homeland Security Deposit Concentration Cap Federal Home Loan Bank System Issues ILC Applications by Commercial Companies Military Consumer Lending Rules Overdraft Protection Programs Payments System Issues Predatory Lending Issues Regulation of Industrial Loan Corporation holding companies Regulatory Relief Relief from Securities Law Requirements for Small Companies Sarbanes-Oxley Act Relief for Community Banks Separation of Banking and Commerce Subprime Lending HR 1852, Expanding American Homeownership Act of 2007 HR 2527, FDIC Enforcement Enhancement Act HR 3121, Flood Insurance Reform and Modernization Act of 2007 HR 2761, Terrorism Risk Insurance Revision and Extension Act of 2007 HR 1869, Communities First Act HR 1537, Credit Union Regulatory Improvement Act of 2007 HR 1849, Credit Union Small Business Lending Act HR 2727, Small Business SOX Compliance Extension Act HR 1332, Small Business Lending Improvements Act of 2007 HR 111, Community Choice in Real Estate Act HR 1508, Compete Act HR 1685, The Data Security Act of 2007 HR 958, The Data Accountability and Trust Act of 2007 HR 3316, Identity Theft Protection Act of 2007 HR 873, Credit Card Payment Fee Act of 2007 HR 1461, Credit Card Accountability Responsibility and Disclosure Act of 2007 HR 1510, Credit Card Repayment Act of 2007 HR 2146, Universal Default Prohibition Act of 2007 HR 2146, Universal Default Prohibition Act of 2007 HR 946, The Consumer Overdraft Protection Fair Practices Act of 2007 HR 890, Student Loan Sunshine Act HR 323, Seasoned Customer CTR Exemption Act of 2007 HR 3915, Mortgage Reform and Anti-Predatory Lending Act of 2007 HR 2046, Internet Gambling Regulation and enforcement Act HR 23610, Skill Game Protection Act HR 1550, Regulatory Relief and Fairness Act HR 2895, National Affordable Housing Trust Fund Act of 2007 HR 1967, Financial Privacy Notice Relief Act of 2007 HR 3609, Emergency Home Ownership and Mortgage Equity Protection Act S 1256, Small Business Lending Reauthorization and Improvement Act S 869, Compete Act S 1260, The Data Security Act of 2007 S 495, The Personal Data Privacy and Security Act of 2007 S1178, The Identity Theft Prevention Act of 2007 S 1176, Credit Card Minimum Payment Warning Act of 2007 S 1309, Universal Default Prohibition Act of 2007 S 1395, Stop Unfair Practices in Credit Cards Act of 2007 S 486, Student Loan Sunshine Act S 1222, Stopping Mortgage Transactions which Operate to Promote Fraud, Risk, Abuse And Underdevelopment Act S 1100, Federal Housing Enterprise Regulatory Reform Act of 2007 S 947, 21st Century Housing Act S 1762, Higher Education Access S 1299, Borrower’s Protection Act of 2007 S 2452, Homeownership Preservation and Protection Act of 2007 S 2338, FHA Modernization Act of 2007 S. 2136, Helping Families Save Their Homes in Bankruptcy Act S. 2133, Homes Act S 413, Community Choice in Real Estate Act S 1356, Industrial Bank Holding Company Act of 2007 S 1405, Communities First Act HR 3012, Fair Mortgage Practices Act of 2007 HR 3316, Identity Theft Protection Act of 2007
Client expense: $2,460,000 · Firm income: Not reported
Government targets: Agriculture, Dept of (USDA), Farm Credit Administration, 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 Economic Council (NEC), 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, White House Office
2007 · mid_year · Banking
S. 1386 - Homeownership Protection and Enhancement Act of 2007 – NP S. 1299 - Borrower's Protection Act of 2007 – NP S. 1222 - Stopping Mortgage Transactions which Operate to Promote Fraud, Risk, Abuse, and Underdevelopment Act – NP H.R. 3012 -Fair Mortgage Practices Act of 2007 – NP H.R.3355 Homeowners' Defense Act of 2007 (Introduced in House) NP Consumer Data Security-NP Regulatory Relief- FOR Risk-based capital requirements for banks- NP Sarbane-Oxley Act relief for community banks - FOR Corporate governance requirements- NP Relief from securities law requirements for small companies- FOR Federal Home Loan Bank advances and collateral- NP Federal Home Loan Bank System issues - NP Separation of Banking and Commerce - FOR Payments System Issues - FOR Bank Secrecy Act and anti-money laundering issues - NP Credit Card/Debit Card Interchange Fees- NP ILC Applications by Commercial Companies - Against Regulation of Industrial Loan Corporation Holding Companies- FOR Subprime Lending -NP Overdraft Protection Programs- NP FDIC Small Dollar loan pilot program -NP Predatory Lending Issues - NP Deposit Concentration Cap- FOR Military Consumer Lending Rules -NP HR 3316 Identity Theft Protection Act of 2007 - NP HR 1852, Expanding American Homeownership Act of 2007 For HR 2547, FDIC Enforcement Enhancement Act For HR 1980, Housing Assistance Council Authorization Act of 2007 HR 1982, Rural Housing and Economic Development Act of 2007 HR 2139, FHA Manufactured Housing Loan Modernization Act of 2007 HR 1851, Section 8 Voucher Reform Act of 2007 HR 3121, Flood Insurance Reform and Modernization Act of 200 HR 2895, National Affordable Housing Trust Fund Act of 2007 HR 2761, Terrorism Risk Insurance Revision and Extension Act of 2007 For HR 920, Multiple Peril Insurance Act of 2007 HR 2419, Farm Bill Extension Act of 2007 Against HR 1969, Communities First Act For HR 1537, Credit Union Regulatory Improvement Act of 2007 Against HR 1332, Small Business Lending Improvements Act of 2007 For HR 1849, Credit Union Small Business Lending Act NP HR 111, Community Choice in Real Estate Act Against HR 1508, Compete Act For HR 323, Seasoned Customer CTR Exemption Act of 2007 For S 1256, Small Business Lending Reauthorization and Improvement Act For S 1405, Communities First Act For S 1356, Industrial Bank Holding Company Act of 2007 For S. 1100, Federal Housing Enterprise Regulatory Reform Act of 2007 Against S 413, Community Choice in Real Estate Act Against S 869, Compete Act For H.R. 2149 To provide for a study by the National Academy of Sciences to identify the proper response of the United States to the growth of Internet gambling. NP H.R. 2607 Internet Gambling Regulation and Tax Enforcement Act of 2007 NP H.R. 2646 Internet Gambling Regulation and Enforcement Act of 2007 NP H.R. 2206 U.S. Troop Readiness, Veterans' Care, Katrina Recovery, and Iraq Accountability Appropriations Act, 2007 (Enrolled as Agreed to or Passed by Both House and Senate) FOR H.R. 1967 Financial Privacy Notice Relief Act of 2007 FOR H.R. 1049 Amend Misinterpreted Excessive Regulation In Corporate America Act NP H.R. 1550 Regulatory Relief and Fairness Act FOR S. 1153 Small Business Regulatory Review Act of 2007 FOR H.R. 2727 Small Business SOX Compliance Extension Act FOR H.R. 1780 Small Business Securities Protection Act NP HR 1685, The Data Security Act of 2007 – NP HR 958, The Data Accountability and Trust Act of 2007– Against S 1260, The Data Security Act of 2007 – FOR S 495, The Personal Data Privacy and Security Act of 2007 -- Against S 1178, The Identity Theft Prevention Act of 2007 -- Against HR 873, Credit Card Payment Fee Act of 2007 -- NP HR 1461, Credit Card Accountability Responsibility and Disclosure Act of 2007 -- NP HR 1510, Credit Card Repayment Act of 2007 -- NP HR 2146, Universal Default Prohibition Act of 2007 -- NP S 1176, Credit Card Minimum Payment Warning Act of 2007 -- NP S 1309, Universal Default Prohibition Act of 2007 -- NP S 1395, Stop Unfair Practices in Credit Cards Act of 2007 - NP HR 946, The Consumer Overdraft Protection Fair Practices Act of 2007 – Against HR 890, Student Loan Sunshine Act -- NP S 486, Student Loan Sunshine Act -- NP S 1762, Higher Education Access Act of 2007 -- NP S. 947 - 21st Century Housing Act – NP HR 1227, Gulf Coast hurricane Housing Recovery Act of 2007 For HR 1257, Shareholder Vote on Executive Compensation Act NP HR 1427, Federal Housing Finance Reform Act of 2007 For HR 698, Industrial Bank Holding Company Act of 2007 For
Client expense: $968,985 · Firm income: Not reported
Government targets: Agriculture, Dept of (USDA), Farm Credit Administration, Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Natl Economic Council (NEC), 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, White House Office
2007 · mid_year · Banking
H.R. Con.Res. 140 Financial Services Diversity Initiative S. 1222 Stop Mortgage Fraud Transactions Act S. 1299 Borrower Protection Act H.R. 946 Overdraft Protection Act H.R. 1852 Federal Housing Administration Modernization Act H.R. 2046 Internet Gambling
Client expense: Not reported · Firm income: $120,000
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2007 · mid_year · Financial Institutions/Investments/Securities
S. 74 High Risk Protection Act H. R. 108 National Small Business Regulatory Assistance Act of 2007 H. R. 836 Cyber-Security Enhancement and Consumer Data Protection Act of 2007 H.R. 837 - Internet Stopping Adults Facilitating the Exploitation of Today's Youth Act (SAFETY) of 2007 S. 780 Protecting Consumer Phone Records Act S. 789 Government Credit Card Abuse Prevention Act of 2007 S. 796 Fair Currency Act of 2007 S. 806 Consumer ID Protection and Security Act H.R. 1461 - Credit Card Accountability, Responsibility and Disclosure Act of 2007 or Credit CARD Act of 2007 S. 834 Promoting Transparency in Financial Reporting Act of 2007 H. R. 1443 Consumer Fairness Act of 2007 H. R. 1510 Credit Card Repayment Act of 2007 H. R. 1537 Credit Union Regulatory Improvements Act of 2007 H. R. 1550 Regulatory Relief and Fairness Act H. R. 1967 Financial Privacy Notice Relief Act of 2007 S. 1176 Credit Card Minimum Payment Warning Act of 2007 S. 1222 - Stopping Mortgage Transactions which Operate to Promote Fraud, Risk, Abuse and Underdevelopment Act or the STOP FRAUD Act S. 1178 Identity Theft Prevention Act H. R. 472 College Affordability and Transparency Act of 2007 H. R. 324 Working Families Wage and Access to Health Care Act S. 1356 Industrial Bank Holding Company Act of 2007 H. R. 890 Student Loan Sunshine Act (referred to Senate committee after being received from House) S. 1399 College Affordability and Creating Chances for Educational Success for Students Act of 2007 S. 239 Notification of Risk to Personal Data Act of 2007 H. R. 2140 To provide for a study by the National Academy of Sciences to identify the proper response of the United States to the growth of Internet gambling. H. R. 1996 Preservation of Federalism in Banking Act H. R. 2607 Internet Gambling Regulation and Tax Enforcement Act of 2007 H. R. 2756 Honest Money Act S. 1691 Social Security Number Online Protection Act of 2007 See Addendum
Client expense: $2,660,000 · Firm income: Not reported
Government targets: Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of
2007 · mid_year · Financial Institutions/Investments/Securities
H.R. 108 - National Small Business Regulatory Assistance Act of 2007 H.R. 324 - Working Families Wage and Access to Health Care Act H.R. 472 - College Affordability and Transparency Act of 2007 H.R. 836 - Cyber-Security Enhancement and Consumer Data Protection Act of 2007 H.R. 837 - Internet Stopping Adults Facilitating the Exploitation of Today's Youth Act (SAFETY) of 2007 H.R. 890 - Student Loan Sunshine Act H.R. 1443- Consumer Fairness Act of 2007 H.R. 1461 - Credit Card Accountability, Responsibility and Disclosure Act of 2007 or Credit CARD Act of 2007 H.R. 1510 - Credit Card Repayment Act of 2007 H.R. 1537 - Credit Union Regulatory Improvements Act of 2007 H.R. 1550 - Regulatory Relief and Fairness Act H.R. 1967 - Financial Privacy Notice Relief Act of 2007 H.R. 1996 - Preservation of Federalism in Banking Act H.R. 2140 - To provide for a study by the National Academy of Sciences to identify the proper response of the United States to the growth of Internet gambling. H.R. 2607 - Internet Gambling Regulation and Tax Enforcement Act of 2007 H.R. 2756 - Honest Money Act S. 74 - High Risk Protection Act S. 239 - Notification of Risk to Personal Data Act of 2007 S. 780 - Protecting Consumer Phone Records Act S. 789 - Government Credit Card Abuse Prevention Act of 2007 S. 796 - Fair Currency Act of 2007 S. 806 - Consumer ID Protection and Security Act S. 834 - Promoting Transparency in Financial Reporting Act of 2007 S. 1176 - Credit Card Minimum Payment Warning Act of 2007 S. 1178 - Identity Theft Prevention Act S. 1222 - Stopping Mortgage Transactions which Operate to Promote Fraud, Risk, Abuse and Underdevelopment Act or the STOP FRAUD Act S. 1356 - Industrial Bank Holding Company Act of 2007 S. 1399 - College Affordability and Creating Chances for Educational Success for Students Act of 2007 S. 1691 - Social Security Number Online Protection Act of 2007 See Addendum.
Client expense: Not reported · Firm income: $140,000
Government targets: Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of
2007 · mid_year · Housing
17a.Office of Federal Housing Enterprise Oversight 17a.Office of the Comptroller of the Currency 17a. Office of Thrift Supervision 17a. Federal Deposit Insurance Corporation 17a. Federal Reserve System 17a. Federal Trade Commission 17a. General Accountability Office 17a. Securities and Exchange Commission H.R. 2139, "FHA Manufacturing Housing Loan Modernization Act of 2007," issues related to FHA loans S. 947, "A bill to modernize the Federal Housing Administration to meet the housing needs of the American people," issues related to FHA loans. H.R. 2895, "National Affordable Housing Trust Fund Act of 2007," issues related to mortgage lending S. 1222, "Stopping Mortgage Transactions which Operate to Promote Fraud, Risk, Abuse and Underdevelopment Act, or the STOP FRAUD Act," issues related to mortgage lending," issues related to mortgage lending S. 1299, "Borrower's Protection Act of 2007," issues related to mortgage lending H Con Res 127, "Supporting home ownership and responsible lending," issues related to mortgage lending H.R. 2061, "Predatory Mortgage Lending Practices Reduction Act," issues related to mortgage lending H.R. 698, "Industrial Bank Holding Company Act of 2007," issues related to Industrial Loan Companies S. 1356, "Industrial Bank Holding Company Act of 2007," issues related to Industrial Loan Companies H.R. 1682, "Flood Insurance Reform and Modernization Act of 2007," issues related to the National Flood Insurance Program H.R. 1227, "Gulf Coast Hurricane Housing Recovery Act of 2007," issues related to Katrina Recovery S. 1668, "Gulf Coast Housing Recovery Act of 2007," issues related to Katrina Recovery S. 825, "To provide additional funds for the Road Home program," issues related to Katrina Recovery H.R. 1066, "Depository Institution Community Development Investments Enhancement Act," issues related to public welfare investments. H.R. 958, "Data Accountability and Trust Act," issues related to data security S. 495, "Personal Data Privacy and Security Act of 2007," issues related to data security S. 1178, "Identity Theft Prevention Act," issues related to data security Issues related to the Joint Federal Financial Regulatory Agencies' Subprime Statement, issues related to the Joint Federal Financial Regulatory Agencies' Nontraditional Mortgage Guidance, RESPA, mortgage-backed securities, Truth in Lending Act, mortgage, reform, mortgage broker compensation, subprime lending, privacy, secondary mortgage market, issues related to the Home Mortgage Disclosure Act ("HMDA"), provisions relating to notices and disclosures to be given to mortgage borrowers, pending legislation to create a new regulator for housing GSEs, OFHEO's Strategic Plan, issues relating to the preemptive authority of the Office of the Comptroller of the Currency. H.R. 1427, "Federal Housing Finance Reform Act of 2007," issues related to the secondary market. S. 1100, "Federal Housing Enterprise Regulatory Reform Act of 2007," issues related to the secondary market. H.R.1852, "Expanding American Homeownership Act of 2007," issues related to FHA reform.
Client expense: Not reported · Firm income: $620,000
Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), President of the U.S., SENATE, Treasury, Dept of
2007 · mid_year · Banking
H.R. 946 Overdraft Protection Act H.R. 1852 Federal Housing Administration Modernization Act H.R. 2046 Internet Gambling Met with House/Senate staff re: non-prime lending practices H.R. Con.Res. 140 Financial Services Diversity Initiative S. 1222 Stop Mortgage Fraud Transactions Act S. 1299 Borrower Protection Act Met with House and Senate Banking Committee staff regarding development of Basel II Rulemaking.
Client expense: Not reported · Firm income: $4,380,000
Government targets: Agriculture, Dept of (USDA), Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Education, Dept of, Executive Office of the President (EOP), Export-Import Bank of the United States (EXIM Bank), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, General Services Administration (GSA), HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Justice, Dept of (DOJ), Natl Economic Council (NEC), Office of Management & Budget (OMB), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), Overseas Private Investment Corp (OPIC), SENATE, Social Security Administration (SSA), State, Dept of (DOS), Treasury, Dept of, U.S. Agency for International Development (USAID), U.S. Trade Representative (USTR)
2007 · mid_year · Housing
HR 1752 Expanding American Home Ownership Act of 2007 S 1386 Home ownership Protection and Enhancement Act of 2007 S 1222 STOP FRAUD Act HR 526 Supporting Home Ownership and Responsible Lending HR 3081 Fairness for Homeowners Act of 2007 HR 1427 Federal Housing and Reform Act of 2007 S 1100 GSE Reform S 1299 Borrower's Protection Act HR 1852 Expanding American Home Ownership Act of 2007
Client expense: $1,320,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2007 · mid_year · Banking
H.R. Con.Res. 140 Financial Services Diversity Initiative S. 1222 Stop Mortgage Fraud Transactions Act S. 1299 Borrower Protection Act H.R. 946 Overdraft Protection Act H.R. 1852 Federal Housing Administration Modernization Act H.R. 2046 Internet Gambling
Client expense: Not reported · Firm income: $120,000
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2007 · mid_year · Financial Institutions/Investments/Securities
HR 3081, "Fairness for Homeowners Act of 2007" S. 1222, "Stop Fraud Act" S 1386, "Homeownership Protection and Enhancement Act of 2007" S. 1299, "Borrower's Protection Act of 2007" HR 3012, "Fair Mortgage Practices Act of 2007"
Client expense: $620,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of
2007 · mid_year · Financial Institutions/Investments/Securities
H.R. 1427 - “Federal Housing Finance Reform Act of 2007” (GSE Reform) - Overhauls the regulatory oversight of the housing government-sponsored enterprises (GSEs) – Fannie Mae, Freddie Mac, and the Federal Home Loan Banks system (FHLBanks). H.R. 2061 - “Predatory Mortgage Lending Practices Act” - Makes it unlawful to intimidate or coerce a person conducting an appraisal for the purpose of causing the appraised value to be based on any other factors than the appraisers’ independent judgment. S. 1222 - “STOP FRAUD Act” - Develops a grant program within HUD targeted to state appraisal agencies to improve monitoring and enforcement of housing appraisal regulations. S. 1299 - “Borrowers Protection Act” - Requires appraisers to be bonded. Prohibits mortgage originators from influencing the appraisal process to meet a targeted value. H.R. 111/S. 413 - “Community Choice in Real Estate” - Prohibits financial holding companies and national banks from engaging, directly or indirectly, in real estate brokerage or real estate management activities. H.R. 836 - “Cyber Security Enhancement and Consumer Data Protection Act of 2007” - A bill to better assure cyber-security and for other purposes. H.R. 958 - “The Data Accountability and Trust Act” - Any business that houses personal information must implement specific security practices, including methods for dealing with disposal of "obsolete" information. Like many of past proposals, it would also mandate notification requirements in the event of a breach of personal data. S. 1178 - “Identity Theft Prevention Act” - A bill to strengthen data protection and safeguards, require data breach notification, and further prevent identity theft. S. 238 - “Social Security Number Misuse Prevention Act” - A bill to limit the misuse of Social Security numbers, to establish criminal penalties for such misuse, and for other purposes. S. 495 - “Personal Data Privacy and Security Act of 2007” - Prevent and mitigate identity theft, to ensure privacy, to provide notice of security breaches, and to enhance criminal penalties, law enforcement assistance, and other protections against security breaches, fraudulent access, and misuse of personally identifiable information; to the Committee on the Judiciary. H.R. 1537 - “Credit Union Regulatory Improvements Act of 2007” - Modernizes credit union net worth standards, advance credit union efforts to promote economic growth, and modify credit union regulatory standards and reduce burdens, and for other purposes. H.R. 480 - Amends the Truth in Lending Act (TILA) to prohibit a lender from making a mortgage loan to a borrower for the purchase of a principal residence if a borrower does not have a valid social security number. H.R. 698 - “Industrial Bank Holding Company Act of 2007” - Amends the Federal Deposit Insurance Act to close the ILC loophole. H.R. 2061 - “Predatory Mortgage Lending Practices Reduction Act” - Establishes federal certification of mortgage brokers and agents and stiffer penalties for violation of federal law. Sets up minimum standards as they relate to providing information to consumers as well as best practices for dispute/complaint resolution. Creates civil penalties for violations of federal law pertaining to predatory lending. S. 1299 - “Borrower’s Protection Act of 2007” - Establishes a fiduciary duty for mortgage brokers and other non-bank mortgage originators. Creates a faith and fair dealing standard for all originators. Requires originators to underwrite loans at the fully indexed rate. Requires originators to create escrow accounts to pay taxes and hazard insurance on subprime loans. Prohibits steering (i.e. brokers may not direct or counsel a consumer to rates, charges and principal amount or prepayment terms that are not appropriate or suitable for them). Holds lenders responsible for policing their associated appraisers and brokers. Prohibits originators from influencing appraisal process.
Client expense: $6,300,000 · Firm income: Not reported
Government targets: Army, Dept of (Corps of Engineers), Commerce, Dept of (DOC), Education, Dept of, Environmental Protection Agency (EPA), 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), Internal Revenue Service (IRS), Office of Natl Drug Control Policy (NDCP), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Small Business Administration (SBA)
2007 · mid_year · Financial Institutions/Investments/Securities
S.1222, Stop Fraud Act, subprime issues. H.R. 2829, Financial Services and General Government Approprations Bill, FY 2008, financial services issues. S.1299, Borrower's Protection Act of 2007, subprime issues. H.R. 2061, Predatory Mortgage Lending Practices Reduction Act, subprime issues. H.R. 3012, Fair Mortgages Practices Act of 2007, subprime issues. H.R.3133, Financial Literacy for Homeowners Act, subprime issues.
Client expense: Not reported · Firm income: $140,000
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2007 · mid_year · Banking
H.R. 3012, Fair Mortgage Practices Act of 2007, subprime issues. H.R. 3133, Financial Literacy for Homeowners's Act, subprime issues. S. 1222, Stop Fraud Act, subprime issues. H.R. 2829, Financial Services and General Government Appropriations Bill, FY2008, financial servcies issues. H.R.1427, Federal Housing Finance Reform Act of 2007, GSE reform issues. S.1299, Borrowers Protection Act 2007, subprime issues. H.R.2061, Predatory Mortgage Lending Practices Reduction Act, subprime issues.
Client expense: Not reported · Firm income: $140,000
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2007 · mid_year · Financial Institutions/Investments/Securities
H.R. 111 - Community Choice in Real Estate Act - Amends the Bank Holding Company Act of 1956 to prohibit the Federal Reserve System and the Secretary of the Treasury from determining that real estate brokerage activity or real estate management activity is financial in nature. H.R. 698 - Industrial Bank Holding Company Act of 2007 - Amends the Federal Deposit Insurance Act (FDIA) to apply the bank share or asset acquisition requirements of the Bank Holding Company Act of 1956 to any company that is or would become an industrial bank holding company. H.R. 1996 - Preservation of Federalism in Banking Act - Amends the Revised Statutes of the United States and the Home Owners' Loan Act to declare applicable to either a national bank or federal savings association any consumer protection in state consumer law of general application (including unfair or deceptive acts or practices, consumer fraud law and repossession, foreclosure, and collection). H.R. 2061 - Predatory Mortgage Lending Practices Reduction Act - Amends the Real Estate Settlement Procedures Act of 1974 to prohibit any person, in connection with a subprime federally related mortgage loan, from providing mortgage lending services or mortgage brokerage services unless such person is certified by the Secretary of Housing and Urban Development as having been adequately trained with regard to subprime lending. S. 413 - Community Choice in Real Estate Act - Amends the Bank Holding Company Act of 1956 to prohibit the Federal Reserve System and the Secretary of the Treasury from determining that real estate brokerage activity or real estate management activity is financial in nature. S. 1100 - Federal Housing Enterprise Regulatory Reform Act of 2007 - Amends the Federal Housing Enterprises Financial Safety and Soundness Act of 1992 to establish in lieu of the Office of Federal Housing Enterprise Oversight of the Department of Housing and Urban Development (HUD), an independent Federal Housing Enterprise Regulatory Agency, headed by a Director, which shall have authority over: the Federal Home Loan Banks, the Finance Facility, the Federal National Mortgage Association (Fannie Mae), and the Federal Home Loan Mortgage Corporation (Freddie Mac). S. 1222 - Stopping Mortgage Transactions which Operate to Promote Fraud, Risk, Abuse and Underdevelopment Act, or the STOP FRAUD Act - Amends federal criminal law to make it unlawful for any mortgage professional to: (1) defraud any natural person or financial institution regarding an offer of consumer credit secured by an interest either in real property or in personal property used as a principal dwelling; or (2) falsely obtain money or property from a natural person in connection with an extension of consumer credit secured by an interest in such property. S. 1299 - Borrower's Protection Act of 2007 - Amends the Truth in Lending Act to deem a mortgage broker, in the case of a home mortgage loan, to have a fiduciary relationship with the consumer. Subjects each such mortgage broker to all federal and state requirements for fiduciaries. S. 1356 - Industrial Bank Holding Company Act of 2007 - Amends the Federal Deposit Insurance Act (FDIA) to apply the bank share or asset acquisition requirements of the Bank Holding Company Act of 1956 to any company that is or would become an industrial bank holding company.
Client expense: $60,000 · Firm income: Not reported
Government targets: Environmental Protection Agency (EPA), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Interior, Dept of (DOI), Internal Revenue Service (IRS), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of, Veterans Affairs, Dept of (VA)