Homeownership Protection and Enhancement Act of 2007

Government Sponsored Enterprises-Regulatory Authority (H.R. 1427) Data Security (H.R. 1685; S. 1260) Regulatory Relief (H.R. 1550) Mortgage Reform and Anti-Predatory Lending (H.R. 3915) Federal Deposit Insurance Reform (H.R. 1427; S. 1100, S. 1386) Mortgage Refinancing (H.R. 5830) Foreclosures (H.R. 5818; S. 2734) Mortgage Restructuring (H.R. 5579) Housing and Economic Recovery Act of 2008 Emergency Economic Stabilization Act of 2008 (H.R. 1424)

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

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

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

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

H.R.3019, the Expand and Preserve Home Ownership Through Counseling Act; S. 1386, the Homeownership Protection and Enhancement Act of 2007; HR 1424, the Emergency Economic Stabilization Act of 2008

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

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

S. 2338, FHA Modernization Act of 2007. All Provisions. Modernizes the National Housing Act and enables the Federal Housing Administration to more effectively reach underserved borrowers. H.R. 44, Stabilizing Affordable Housing for the Future Act. All Provisions. Preserves affordable housing opportunities for low-income families. H.R. 127, FHA Multifamily Loan Limit Adjustment Act of 2007. All Provisions. Increases mortgage amount limits applicable to FHA mortgage insurance for multifamily housing in high-cost areas. S.131,Mark-to-Market Extension Act of 2007. All Provisions.Extends for 5 years the Mark-to-Market program of HUD. H.Res 526, Supporting home ownership and responsible lending. H.R.551, Homeownership for America's Veterans Act. All Provisions.Eligibility of veterans for mortgage bond financing. H.R. 568, Reverse Mortgages to Help America's Seniors Act. All Provisions. Removes the limitation on the number of reverse mortgages that may be insured under the FHA mortgage insurance program for such mortgages. S.947,21st Century Housing Act. All Provisions. Modernizes FHA.. S. 1078, Housing America's Workforce Act. All Provisions. Incentives for employer-provided employee housing assistance H.R.1227, Gulf Coast Hurricane Housing Recovery Act of 2007. All Provisions. Assists in the provision of affordable housing to low-income families affected by Katrina. S. 1315, Veterans' Benefits Enhancement Act of 2007. All Provisions. Enhances life insurance benefits for disabled veterans. S.1326, Comprehensive Veterans Benefits Improvements Act of 2007. All Provisions. Improves compensation, pension, health care, housing, burial, and other benefits. S.1386, Homeownership Protection and Enhancement Act of 2007. All Provisions. Reauthorizes and revises requirements for assistance with respect to housing for low- and moderate-income families. S.1668, Gulf Coast Housing Recovery Act of 2007. All Provisions. Assists in providing affordable housing to those affected by the 2005 hurricanes. H.R. 1723, Fair FHA Appraisals Act of 2007. All Provisions. Ensures fair appraisals in connection with mortgages insured under the FHA single family mortgage insurance program. S.1733, Housing Fairness Act of 2007. All Provisions. Funds for the Fair Housing Initiatives Program. S.1741, FHA Manufactured Housing Loan Modernization Act of 2007. Modernizes the manufactured housing loan insurance program under title I of the National Housing Act. H.R. 1750, Amends the Servicemembers Civil Relief Act. All Provisions. Extends from 90 days to one year the period after release of a member of the Armed Forces from active duty during which the member is protected from mortgage foreclosure under that Act. H.R. 1752, Expanding American Homeownership Act of 2007. All Provisions. Modernizes and update the National Housing Act; FHA to use risk-based pricing. S.1805, FHA Loan Limit Adjustment Act of 2007. All Provisions. Increases mortgage amount limits applicable to housing insured by FHA. H.R. 1850, Housing America's Workforce Act. All Provisions. Adds incentives for employer-provided employee housing assistance. H.R.1851, Section 8 Voucher Reform Act of 2007. All Provisions. Reforms the housing choice voucher program: section 8 of US Housing Act of 1937. H.R.1852, Expanding American Homeownership Act of 2007. All Provisions. Enables the FHA to use risk-based pricing (FHA Reform Bill). S. 2008, HOME Act. All Provisions. Reforms single family housing loan guarantee program under Housing Act of 1949. H.R. 2139, FHA Manufactured Housing Loan Modernization Act of 2007. All Provisions. Modernize the manufactured housing loan insurance program under title I of the National Housing Act. S. 2343, A bill to amend the Real Estate Settlement Procedures Act to require mortgage originators to make their fees more transparent. S.2386, Mortgage and Rental Disaster Relief Act of 2007. All Provisions. Amends the Robert T. Stafford Disaster Relief and Emergency Assistance Act, authorize temporary mortgage and rental payments. H.R. 2475, Veteran Home Equity Conversation Mortgage Act of 2007. All Provisions. Authorizes the Secretary of the VA to guarantee home equity conversion mortgages for elderly veteran homeowners. H.R. 2599, Inactive Reservists Foreclosure Prevention Act of 2007. All Provisions. HUD financial aid for mortgages to Reservists and Nat'l Guardsmen in active duty. H.R. 2697, Amends title 38, United States Code, to expand eligibility for veterans' mortgage life insurance to include members of the Armed Forces receiving specially adapted housing assistance from the Department of Veterans Affairs. H.R. 2926, Housing Fairness Act of 2007. All Provisions. Funds for the Fair Housing Initiatives Program. H.R. 3019, Expand and Preserve Home Ownership Through Counseling Act. All Provisions. Establishes Office of Housing Counseling. H.R. 3133, Financial Literacy for Homeowners Act. State grants for educational programs to inform of predatory lending. H.R. 3725, Mortgage Disclosure Simplification Act of 2007. All Provisions. Amends the Real Estate Settlement Procedures Act: requires submission to each borrower under a federally related mortgage loan of a one-page description of the essential terms of the loan. H.R. 3965, Mark-to-Market Extension and Enhancement Act of 2007. Extends for 5 years the Mark-to-Market program of HUD.

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

Basel Federal Deposit Insurance Reform (H.R. 3012, H.R. 1427; S. 1100, S. 1386) Financial Literacy (H.R. 2840, H.R. 3133, H.R. 2669, H.R. 531, H.R. 890, H.R. 3133, H.R. 1429; S. 556) GSEs - Regulatory Authority (H.R. 1427) Internet gambling (H.R. 2607, H.R. 2046) Data security (S. 1260; H.R. 1685) Pension reform (H.R. 2988; S. 1254) Phishing (H.R. 1525, H.R. 964; S. 2661) Privacy (S. 495, S. 1401, S. 717; H.R. 1967, H.R. 1117) Regulatory relief (H.R. 1550) Social security numbers protection (S. 1208, S. 479; H.R. 327, H.R. 2455, H.R. 3046, H.R. 2291) Terrorism Risk Insurance Act (H.R. 2761, H.R. 3346, H.R. 3369) Identity theft (S. 1178; S. 806) Mortgage refinancing (H.R. 5830) Foreclosures (H.R. 5818; S. 2734) Mortgage restructuring (H.R. 5579) Credit cards (H.R. 5244, H.R. 5280; S. 2542) Housing and Economic Recovery Act 2008 (H.R. 3221) Emergency Economic Stabilization Act of 2008 (H.R. 1424)

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Government Sponsored Enterprises-Regulatory Authority (H.R. 1427) Data Security (H.R. 1685-S. 1260) Regulatory Relief (H.R. 1550) Mortgage Reform and Anti-Predatory Lending (H.R. 3915) Federal Deposit Insurance Reform (H.R. 3012, H.R. 1427; S. 1100, S. 1386) Mortgage Refinancing (H.R. 5830) Foreclosures (H.R. 5818; S. 2734) Mortgage Restructuring (H.R. 5579) Housing and Economic Recovery Act of 2008 (H.R. 3221) Emergency Economic Stabilization Act of 2008 (H.R. 1424)

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

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

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)

S.1386 "Homeownership Protection and Enhancement Act of 2007" S.2452 "Home Ownership Preservation and Protection Act of 2007" HR 3221Housing and Economic Recovery Act of 2008 HR 5830 FHA Housing Stabilization and Homeownership Retention Act of 2008 For the above mortgage related legislation, interest is in provisions having to do with mortgage securitization and servicing HR 5546 Credit Card Fair Fee Act of 2008 HR 5244 The Credit Cardholders Bill of Rights For the above credit card legislation interest is in provisions related to lending terms or system charges S.2191 Americas Climate Security Act of 2007 For the above climate change legislation interest is in emissions cap and trade

Client expense: $564,145 · Firm income: Not reported

Government targets: Federal Deposit Insurance Corporation (FDIC), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Office of Thrift Supervision (OTS), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of, White House Office

Basel Federal Deposit Insurance Reform (H.R. 3012, H.R. 1427; S. 1100, S. 1386) Financial Literacy (H.R. 2840, H.R. 3133, H.R. 2669, H.R. 531, H.R. 890, H.R. 3133, H.R. 1429; S. 556) GSEs - Regulatory Authority (H.R. 1427) Internet gambling (H.R. 2607, H.R. 2046) Data security (S. 1260; H.R. 1685) Pension reform (H.R. 2988; S. 1254) Phishing (H.R. 1525, H.R. 964; S. 2661) Privacy (S. 495, S. 1401, S. 717; H.R. 1967, H.R. 1117) Regulatory relief (H.R. 1550) Social security numbers protection (S. 1208, S. 479; H.R. 327, H.R. 2455, H.R. 3046, H.R. 2291) Terrorism Risk Insurance Act (H.R. 2761, H.R. 3346, H.R. 3369) Identity theft (S. 1178; S. 806) Mortgage refinancing (H.R. 5830) Foreclosures (H.R. 5818; S. 2734) Mortgage restructuring (H.R. 5579) Credit cards (H.R. 5244, H.R. 5280; S. 2542) Housing and Economic Recovery Act 2008 (H.R. 3221)

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 1852, Expanding American Homeownership Act of 2007. All Provisions. Modernizes and updates the National Housing Act and enables the Federal Housing Administration to use risk-based pricing to more effectively reach underserved borrowers, and for other purposes (FHA Reform Bill). S.2338, FHA Modernization Act of 2007. All Provisions. Modernizes the National Housing Act and enable the Federal Housing Administration to more effectively reach underserved borrowers. H.R.3221, Foreclosure Prevention Act of 2008. All provisions. Provides for FHA Modernization, Modernization of the FHA Manufactured Housing Program, Mortgage Foreclosure Protections for Service Members, Emergency Assistance for the Redevelopment of Abandoned and Foreclosed Homes, and Matters. H.R. 1851, Section 8 Voucher Reform Act of 2007. All Provisions. Reforms the housing choice voucher program: section 8 of US Housing Act of 1937. S.2636, Foreclosure Prevention Act of 2008. All provisions. This is the original Democratic proposal for addressing the housing crisis. It's main provision would allow bankruptcy judges to renegotiate the terms of home mortgages. This bill would also increase the number of tax-exempt mortgage revenue bonds available for refinancing subprime mortgages, provide community development money for fixing up foreclosed homes, tax breaks for businesses, and more. A new, bipartisan version of this bill has been drafted and considered by the Senate as an amendment to H.R.3221 S.947,21st Century Housing Act. All Provisions. Modernizes FHA. H.R.1227, Gulf Coast Hurricane Housing Recovery Act of 2007. All Provisions. Assists in the provision of affordable housing to low-income families affected by Katrina. S.1265, A bill to amend title 38, United States Code, to expand eligibility for veterans' mortgage life insurance to include members. All provisions. Expands eligibility for veterans' mortgage life insurance to include members of the Armed Forces receiving specially adapted housing assistance from the VA Dept. S.1315, Veterans' Benefits Enhancement Act of 2007. All Provisions. Enhances life insurance benefits for disabled veterans. S.1326, Comprehensive Veterans Benefits Improvements Act of 2007. All Provisions. Improves compensation, pension, health care, housing, burial, and other benefits. S.1386, Homeownership Protection and Enhancement Act of 2007. All Provisions. Reauthorizes and revises requirements for assistance with respect to housing for low- and moderate-income families. S.1668, Gulf Coast Housing Recovery Act of 2007. All Provisions. Assists in providing affordable housing to those affected by the 2005 hurricanes. H.R. 1723, Fair FHA Appraisals Act of 2007. All Provisions. Ensures fair appraisals in connection with mortgages insured under the FHA single family mortgage insurance program. S.1733, Housing Fairness Act of 2007. All Provisions. Funds for the Fair Housing Initiatives Program. S.1741, FHA Manufactured Housing Loan Modernization Act of 2007. All Provisions. Modernizes the manufactured housing loan insurance program under title I of the National Housing Act. H.R.1750, To amend the Servicemembers Civil Relief Act to extend from 90 days to one year the period after release of a member of the Armed Forces from active duty. All Provisions. Extends from 90 days to one year the period after release of a member of the Armed Forces from active duty during which the member is protected from mortgage foreclosure. H.R. 1752, Expanding American Homeownership Act of 2007. All Provisions. Modernizes and updates the National Housing Act; FHA to use risk-based pricing. S.1805, FHA Loan Limit Adjustment Act of 2007. All Provisions. Increases mortgage amount limits applicable to housing insured by FHA. H.R.1850, Housing America's Workforce Act. All Provisions. Incentives for employer-provided employee housing assistance. S. 2008, HOME Act. All Provisions. Reforms single family housing loan guarantee program under Housing Act of 1949. H.R.2139, FHA Manufactured Housing Loan Modernization Act of 2007. All Provisions. Modernizes the manufactured housing loan insurance program under title I of the National Housing Act. S.2325, Expanding American Homeownership Act of 2007. All Provisions. Seeks to modernize and update the National Housing Act and enable the FHA to use risk-based pricing to more effectively reach underserved borrowers and for other purposes. S.2343, Real Estate Transparency Act of 2007. All Provisions. A bill to amend the Real Estate Settlement Procedures Act to require mortgage originators to make their fees more transparent. S.2386, Mortgage and Rental Disaster Relief Act of 2007. All Provisions. Amends the Robert T. Stafford Disaster Relief and Emergency Assistance Act, authorizes temporary mortgage and rental payments. S. 2455, Community Foreclosure Assistance Act of 2007. All Provisions. Seeks to provide $1,000,000,000 in emergency Community Development Block Grant funding for necessary expenses related to the impact of foreclosures on communities. H.R.2475, Veteran Home Equity Conversation Mortgage Act of 2007. All Provisions. Authorizes the Secretary of the VA to guarantee home equity conversion mortgages for elderly veteran homeowners. H.R. 2599, Inactive Reservists Foreclosure Prevention Act of 2007. All Provisions. HUD financial aid for mortgages to Reservists and Nat'l Guardsmen in active duty. H.R.3965, Mark-to-Market Extension and Enhancement Act of 2007. All Provisions. Extends for 5 years the Mark-to-Market program of HUD. H.R.5830, FHA Housing Stabilization and Homeownership Retention Act of 2008. All Provisions. Creates a voluntary FHA program that provides mortgage refinancing assistance to allow families to stay in their homes, protect neighborhoods, and help stabilize the housing market. H.R. 2697, To amend title 38, United States Code, to expand eligibility for veterans' mortgage life insurance to include members of the Armed Forces receiving specially adapted housing assistance from the Department of Veterans Affairs. Section 1. All Provisions. Makes eligible for veterans' mortgage life insurance members of the Armed Forces receiving specially adapted housing assistance through the Department of Veterans Affairs (VA). H.R. 2926, Housing Fairness Act of 2007. All Provisions. Funds for the Fair Housing Initiatives Programs H.R. 3019, Expand and Preserve Home Ownership Through Counseling Act. All Provisions.Establishes Office of Housing Counseling. H.R. 3133, Financial Literacy for Homeowners Act. All Provisions. State grants for educational programs to inform of predatory lending. H.R. 3725, Mortgage Disclosure Simplification Act of 2007. All Provisions. Amends the Real Estate Settlement Procedures Act: requires submission to each borrower under a federally related mortgage loan of a one-page description of the essential terms of the loan. H.R. 127, FHA Multifamily Loan Limit Adjustment Act of 2007. All Provisions. Increases mortgage amount limits applicable to FHA mortgage insurance for multifamily housing in high-cost areas. S.131,Mark-to-Market Extension Act of 2007. All Provisions.Extends for 5 years the Mark-to-Market program of HUD. H.R.551, Homeownership for America's Veterans Act. All Provisions.Eligibility of veterans for mortgage bond financing. H.R. 568, Reverse Mortgages to Help America's Seniors Act. All Provisions. Removes the limitation on the number of reverse mortgages that may be insured under the FHA mortgage insurance program for such mortgages.

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

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

H.R.1427 "Federal Housing Finance Reform Act of 2007" H.R.2895 "National Affordable Housing Trust Fund Act of 2007" S.1386 "Homeownership Protection and Enhancement Act of 2007" S.2452 "Home Ownership Preservation and Protection Act of 2007" S. 2338 FHA Modernization Act of 2007 H.R.1852 Expanding American Homeownership Act of 2007 S. 2114 Emergency Home Ownership and Mortgage Equity Protection Act of 2007 S. 2133 Home Owners Mortgage and Equity Savings (HOMES) Act H.R. 3915 The Mortgage Reform and Anti-Predatory Lending Act of 2007 H.R. 4178 Emergency Mortgage Loan Modification Act of 2007 H R 5679 The Forclosure Prevention and Sound Mortgage Servicing Act of 2008 H R 5579 The Emergency Mortgage Loan Modification Act of 2008 H R 3609 The Emergency Homeownership and Mortgage Equity Protection Act of 2008 H R 3221 Foreclosure Prevention Act of 2008 S 2801 Mortgage Enhancement and Modification Act of 2008 S 2636 Foreclosure Prevention Act S 2136 Helping Families Save Their Homes in Bankruptcy Act For the above mortgage related legislation, interest is in provisions having to do with mortgage securitization and servicing HR 1461, "Credit Card Act of 2007 S 1395, "Stop Unfair Practices in Credit Cards Act of 2007" H R 5244 The Credit Cardholders' Bill of Rights" H R 5546 The Credit Card Fair Fee Act of 2008 For the above credit card legislation interest is in provisions related to lending terms S.2191 Americas Climate Security Act of 2007 For the above climate change legislation interest is in emissions cap and trade

Client expense: $1,260,000 · Firm income: Not reported

Government targets: Federal Deposit Insurance Corporation (FDIC), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Office of Thrift Supervision (OTS), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of, White House Office

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)

Basel Federal Deposit Insurance Reform (H.R. 3012, H.R. 1427; S. 1100, S. 1386) Financial Literacy (H.R. 2840, H.R. 3133, H.R. 2669, H.R. 531, H.R. 890, H.R. 3133, H.R. 1429; S. 556) GSEs - Regulatory Authority (H.R. 1427) Internet gambling (H.R. 2607, H.R. 2046) Data security (S. 1260; H.R. 1685) Pension reform (H.R. 2988; S. 1254) Phishing (H.R. 1525, H.R. 964; S. 2661) Privacy (S. 495, S. 1401, S. 717; H.R. 1967, H.R. 1117) Regulatory relief (H.R. 1550) Social security numbers protection (S. 1208, S. 479; H.R. 327, H.R. 2455, H.R. 3046, H.R. 2291) Terrorism Risk Insurance Act (H.R. 2761, H.R. 3346, H.R. 3369) Identity theft (S. 1178, S. 806) Mortgage refinancing (H.R. 5830) Foreclosures (H.R. 5818; S. 2734) Mortgage restructuring (H.R. 5579) Credit cards (H.R. 5244, H.R. 5280; S. 2542)

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Government Sponsored Enterprises-Regulatory Authority (H.R. 1427) Data Security (H.R. 1685-S. 1260) Regulatory Relief (H.R. 1550) Mortgage Reform and Anti-Predatory Lending (H.R. 3915) Federal Deposit Insurance Reform (H.R. 3012, H.R. 1427; S. 1100, S. 1386) Mortgage Refinancing (H.R. 5830) Foreclosures (H.R. 5818; S. 2734) Mortgage Restructuring (H.R. 5579)

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S. 2399 the Financial Education and Counseling Assistance Act of 2007; HR 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; H.R.3019, the Expand and Preserve Home Ownership Through Counseling Act; S. 1386, the Homeownership Protection and Enhancement Act of 2007

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

H.R.3221, Foreclosure Prevention Act of 2008. All provisions. Provides for FHA Modernization, Modernization of the FHA Manufactured Housing Program, Mortgage Foreclosure Protections for Service Members, Emergency Assistance for the Redevelopment of Abandoned and Foreclosed Homes, and Matters. S.2636, Foreclosure Prevention Act of 2008. All provisions. This is the original Democratic proposal for addressing the housing crisis. It's main provision would allow bankruptcy judges to renegotiate the terms of home mortgages. This bill would also increase the number of tax-exempt mortgage revenue bonds available for refinancing subprime mortgages, provide community development money for fixing up foreclosed homes, tax breaks for businesses, and more. A new, bipartisan version of this bill has been drafted and considered by the Senate as an amendment to H.R.3221 S.947,21st Century Housing Act. All Provisions. Modernizes FHA. H.R.1227, Gulf Coast Hurricane Housing Recovery Act of 2007. All Provisions. Assists in the provision of affordable housing to low-income families affected by Katrina. S.1265, A bill to amend title 38, United States Code, to expand eligibility for veterans' mortgage life insurance to include members. All provisions. Expands eligibility for veterans' mortgage life insurance to include members of the Armed Forces receiving specially adapted housing assistance from the VA Dept. S.1315, Veterans' Benefits Enhancement Act of 2007. All Provisions. Enhances life insurance benefits for disabled veterans. S.1326, Comprehensive Veterans Benefits Improvements Act of 2007. All Provisions. Improves compensation, pension, health care, housing, burial, and other benefits. S.1386, Homeownership Protection and Enhancement Act of 2007. All Provisions. Reauthorizes and revises requirements for assistance with respect to housing for low- and moderate-income families. S.1668, Gulf Coast Housing Recovery Act of 2007. All Provisions. Assists in providing affordable housing to those affected by the 2005 hurricanes. H.R. 1723, Fair FHA Appraisals Act of 2007. All Provisions. Ensures fair appraisals in connection with mortgages insured under the FHA single family mortgage insurance program. S.1733, Housing Fairness Act of 2007. All Provisions. Funds for the Fair Housing Initiatives Program. S.1741, FHA Manufactured Housing Loan Modernization Act of 2007. All Provisions. Modernizes the manufactured housing loan insurance program under title I of the National Housing Act. H.R.1750, To amend the Servicemembers Civil Relief Act to extend from 90 days to one year the period after release of a member of the Armed Forces from active duty. All Provisions. Extends from 90 days to one year the period after release of a member of the Armed Forces from active duty during which the member is protected from mortgage foreclosure. H.R. 1752, Expanding American Homeownership Act of 2007. All Provisions. Modernizes and updates the National Housing Act; FHA to use risk-based pricing. S.1805, FHA Loan Limit Adjustment Act of 2007. All Provisions. Increases mortgage amount limits applicable to housing insured by FHA. H.R.1850, Housing America's Workforce Act. All Provisions. Incentives for employer-provided employee housing assistance. H.R. 1851, Section 8 Voucher Reform Act of 2007. All Provisions. Reforms the housing choice voucher program: section 8 of US Housing Act of 1937. H.R.1852, Expanding American Homeownership Act of 2007. All Provisions. Enables the FHA to use risk-based pricing (FHA Reform Bill) S. 2008, HOME Act. All Provisions. Reforms single family housing loan guarantee program under Housing Act of 1949. H.R.2139, FHA Manufactured Housing Loan Modernization Act of 2007. All Provisions. Modernizes the manufactured housing loan insurance program under title I of the National Housing Act. S.2325, Expanding American Homeownership Act of 2007. All Provisions. Seeks to modernize and update the National Housing Act and enable the FHA to use risk-based pricing to more effectively reach underserved borrowers and for other purposes. S.2338, FHA Modernization Act of 2007. All Provisions. Modernizes the National Housing Act and enable the Federal Housing Administration to more effectively reach underserved borrowers. S.2343, Real Estate Transparency Act of 2007. All Provisions. A bill to amend the Real Estate Settlement Procedures Act to require mortgage originators to make their fees more transparent. S.2386, Mortgage and Rental Disaster Relief Act of 2007. All Provisions. Amends the Robert T. Stafford Disaster Relief and Emergency Assistance Act, authorizes temporary mortgage and rental payments. S. 2455, Community Foreclosure Assistance Act of 2007. All Provisions. Seeks to provide $1,000,000,000 in emergency Community Development Block Grant funding for necessary expenses related to the impact of foreclosures on communities. H.R.2475, Veteran Home Equity Conversation Mortgage Act of 2007. All Provisions. Authorizes the Secretary of the VA to guarantee home equity conversion mortgages for elderly veteran homeowners. H.R. 2599, Inactive Reservists Foreclosure Prevention Act of 2007. All Provisions. HUD financial aid for mortgages to Reservists and Nat'l Guardsmen in active duty. H.R. 2697, To amend title 38, United States Code, to expand eligibility for veterans' mortgage life insurance to include members of the Armed Forces receiving specially adapted housing assistance from the Department of Veterans Affairs. Section 1. All Provisions. Makes eligible for veterans' mortgage life insurance members of the Armed Forces receiving specially adapted housing assistance through the Department of Veterans Affairs (VA). H.R. 2926, Housing Fairness Act of 2007. All Provisions. Funds for the Fair Housing Initiatives Programs H.R. 3019, Expand and Preserve Home Ownership Through Counseling Act. All Provisions.Establishes Office of Housing Counseling. H.R. 3133, Financial Literacy for Homeowners Act. All Provisions. State grants for educational programs to inform of predatory lending. H.R.3221, Foreclosure Prevention Act of 2008. All Provisions. Provides for FHA Modernization, Modernization of the FHA Manufactured Housing Program, Mortgage Foreclosure Protections for Service Members, Emergency Assistance for the Redevelopment of Abandoned and Foreclosed Homes, and Matters. H.R. 3725, Mortgage Disclosure Simplification Act of 2007. All Provisions. Amends the Real Estate Settlement Procedures Act: requires submission to each borrower under a federally related mortgage loan of a one-page description of the essential terms of the loan. H.R.3965, Mark-to-Market Extension and Enhancement Act of 2007. All Provisions. Extends for 5 years the Mark-to-Market program of HUD. H.R. 127, FHA Multifamily Loan Limit Adjustment Act of 2007. All Provisions. Increases mortgage amount limits applicable to FHA mortgage insurance for multifamily housing in high-cost areas. S.131,Mark-to-Market Extension Act of 2007. All Provisions.Extends for 5 years the Mark-to-Market program of HUD. H.R.551, Homeownership for America's Veterans Act. All Provisions.Eligibility of veterans for mortgage bond financing. H.R. 568, Reverse Mortgages to Help America's Seniors Act. All Provisions. Removes the limitation on the number of reverse mortgages that may be insured under the FHA mortgage insurance program for such mortgages.

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

Issues and legislative proposals relating to home retention and housing market stabilization, including S. 1386, HR 3915, and HR 5679 (draft version).

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Policies and legislative proposals relating to mortgage lending consumer protections, including S. 1299, S. 2452, S. 1386, HR 3915, HR 3837, and HR 5679 (draft version)

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Mortgage Lending Consumer Protections, including: S. 1299 -- Borrower's Protection Act of 2007 HR 3915 -- Mortgage Reform and Anti-Predatory Lending Act of 2007 S.2452 - Homeownership Preservation and Protection Act Mortgage Loan Servicing and Homeownership Preservation Issues, including: HR 3837 - Escrow, Appraisal and Mortgage Servicing Improvement Act S. 1386 - Homeownership Protection and Enhancement Act of 2007 H.R. 5679 - Foreclosure Prevention and Sound Mortgage Servicing Act (draft version)

Client expense: $249,000 · Firm income: Not reported

Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, Office of Thrift Supervision (OTS), SENATE, Treasury, Dept of

ILC's (S 1356) Prevention of commercial ownershp of industril loan companies; Subprime/Predatory Lending (S 2114, S 1386, S 1299) Deal with rising foreclosures in subprime mortgage market; Bankruptcy Reform (S 2136, S 2133); FHA Reform (S 2338); GSE's (S 1100), S 2036, S 2169)

Client expense: $17,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S. 1299 - The Borrower's Protection Act of 2007, supported S. 1386 - The Homeownership Protection and Enhancement Act of 2007, supported H.R. 3915 - The Mortgage Reform adn Anti-Predatory Lending Act of 2007 S. 2452 - The Homeownership Preservation and Protection Act of 2007 Nomination of Elizabeth a. Duke, Larry Allen Klane, and Randall S. Krozner to the Board of Governors of the Federal Reserve System

Client expense: $283,192 · Firm income: Not reported

Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE, UNDETERMINED

Federal Housing Finance Reform Act of 2007, H.R. 1427 Homeownership Protection and Enhancement Act of 2007 (HOPE Act), S. 1386 DREAM Act of 2007, S. 2205 Home Ownership Preservation and Protection Act of 2007, S. 2452 Mortgage Reform and Anti-Predatory Lending Act of 2007, H.R. 3915 Gulf Coast Housing Recovery Act of 2007, S. 1668

Client expense: $1,100,000 · Firm income: Not reported

Government targets: Agency for Healthcare Research & Quality (AHRQ), Centers For Medicare and Medicaid Services (CMS), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Labor, Dept of (DOL), Natl Labor Relations Board (NLRB), Occupational Safety & Health Administration (OSHA), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of, U.S. Trade Representative (USTR), UNDETERMINED

S. 1386, Homeownership Protection and Enhancement Act of 2007; H.R. 3915, Mortgage Reform and Anti-Predatory Lending Act of 2007, H.R. 3609, Emergency Home Ownership and Mortgage Equity Protection Act of 2007, H.R. 3837, Escrow, Appraisal, and Mortgage Servicing Improvements Act, S.2136, Helping Families Save Their Homes in Bankruptcy Act of 2007, S. 2452, Home Ownership Preservation and Protection Act of 2007 H.R. 3873, Section 515 Rural Housing Property Transfer Improvement Act of 2007; predatory mortgage lending; consumer protection in home foreclosure

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

Government targets: Consumer Product Safety Commission (CPSC), Federal Deposit Insurance Corporation (FDIC), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE, Treasury, Dept of, UNDETERMINED

S. 1386, Homeownership Protection and Enhancement Act of 2007; H.R. 3915, Mortgage Reform and Anti-Predatory Lending Act of 2007, H.R. 3609, Emergency Home Ownership and Mortgage Equity Protection Act of 2007, H.R. 3837, Escrow, Appraisal, and Mortgage Servicing Improvements Act, S.2136, Helping Families Save Their Homes in Bankruptcy Act of 2007, S. 2452, Home Ownership Preservation and Protection Act of 2007 H.R. 3873, Section 515 Rural Housing Property Transfer Improvement Act of 2007; predatory mortgage lending; consumer protection in home foreclosure

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

Government targets: Consumer Product Safety Commission (CPSC), Federal Deposit Insurance Corporation (FDIC), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE, Treasury, Dept of, UNDETERMINED

S. 1386, Homeownership Protection and Enhancement Act of 2007; H.R. 3915, Mortgage Reform and Anti-Predatory Lending Act of 2007, H.R. 3609, Emergency Home Ownership and Mortgage Equity Protection Act of 2007, H.R. 3837, Escrow, Appraisal, and Mortgage Servicing Improvements Act, S.2136, Helping Families Save Their Homes in Bankruptcy Act of 2007, S. 2452, Home Ownership Preservation and Protection Act of 2007

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

Government targets: Consumer Product Safety Commission (CPSC), Federal Deposit Insurance Corporation (FDIC), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE, Treasury, Dept of

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

S. 1299 - The Borrower's Protection Act of 2007, supported S. 1386 - The Homeownership Protection and Enhancement Act of 2007, supported H.R. 3915 - The Mortgage Reform adn Anti-Predatory Lending Act of 2007 S. 2452 - The Homeownership Preservation and Protection Act of 2007

Client expense: $283,192 · Firm income: Not reported

Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE, UNDETERMINED

Basel II Federal Deposit Insurance Reform (H.R. 3012, H.R. 1427; S. 1100, S. 1386) Financial Literacy (H.R. 2840, H.R. 3133, H.R. 2669, H.R. 531, , H.R. 890, H.R. 3133, H.R. 1429; S. 556) GSEs - Regulatory Authority (H.R. 1427)

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Federal Housing Finance Reform Act of 2007, H.R. 1427 Homeownership Protection and Enhancement Act of 2007 (HOPE Act), S. 1386 DREAM Act of 2007, S. 2205 Home Ownership Preservation and Protection Act of 2007, S. 2452

Client expense: $1,100,000 · Firm income: Not reported

Government targets: Agency for Healthcare Research & Quality (AHRQ), Centers For Medicare and Medicaid Services (CMS), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Labor, Dept of (DOL), Natl Labor Relations Board (NLRB), Occupational Safety & Health Administration (OSHA), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of, U.S. Trade Representative (USTR)

Mortgage Lending Consumer Protections, including: S. 1299 -- Borrower's Protection Act of 2007 S. 1386 -- Homeownership Protection and Enhancement Act of 2007 HR 3915 -- Mortgage Reform and Anti-Predatory Lending Act of 2007

Client expense: $613,000 · Firm income: Not reported

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

H.R.1427 "Federal Housing Finance Reform Act of 2007" H.R.2895 "National Affordable Housing Trust Fund Act of 2007" S.1386 "Homeownership Protection and Enhancement Act of 2007" S.2452 "Home Ownership Preservation and Protection Act of 2007"

Client expense: $490,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE

regulation of subprime mortgage lending, mortgage loan servicing, and mortgage lending consumer protections, including HOEPA, S.1299, S.1386

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

regulation of subprime mortgage lending, mortgage loan servicing, and mortgage lending consumer protections, including HOEPA, S.1299, S.1386

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

regulation of subprime mortgage lending, mortgage loan servicing, and mortgage lending consumer protections, including HOEPA, S.1299, S.1386

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

ILC's (S 1356) Prevention of commercial ownership of industrial loan companies; Subprime/Predatory Lending (S 2114, S 1386, S 1299) Deal with rising foreclosures in subprime mortgage market; Bankruptcy Reform (S 2136, S 2133); FHA Reform (S 2338); GSE's (S 1100, S 2036, S 2169)

Client expense: $87,500 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Mortgage Lending Consumer Protections, including: H. Res. 526-importance of homeownership S. 1299 - Borrower's Protection Act of 2007 S. 1386 - Homeownership Protection and Enhancement Act. of 2007 Mortgage Loan Servicing and Homeownership Preservation Reform/Improvement of the Federal Housing Administration, including: HR 1752/HR 1852 - Expanding Am. Homeownership Act of 2007 HR 391 - FHA Reverse Mortgages HR 1227 - Gulf Coast Housing Recovery Act. Regulation of government sponsored enterprises, including: HR 1427 - Federal Housing Finance Reform Act of 2007

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

Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Office of Thrift Supervision (OTS), SENATE

Mortgage Loan Servicing and Homeownership Preservation Privacy and Data Security Financial Literacy- including: H Res 273 Personal Fin. Literacy Private Student Loans (HR 890). Mortgage Lending Consumer Protections, including: S. 1299 - Borrower's Protection Act of 2007 S. 1386 - Homeownership Protection and Enhancement Act of 2007

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

Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Office of Thrift Supervision (OTS), SENATE

Mortgage Loan Servicing and Homeownership Preservation Privacy and Data Security Financial Literacy- including: H Res 273 Personal Fin. Literacy Private Student Loans (HR 890). Mortgage Lending Consumer Protections, including: S. 1299 - Borrower's Protection Act of 2007 S. 1386 - Homeownership Protection and Enhancement Act of 2007

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

Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Office of Thrift Supervision (OTS), SENATE

Mortgage Lending Consumer Protections, including: H. Res. 526-importance of homeownership S. 1299 - Borrower's Protection Act of 2007 S. 1386 - Homeownership Protection and Enhancement Act. of 2007 Mortgage Loan Servicing and Homeownership Preservation Reform/Improvement of the Federal Housing Administration, including: HR 1752/HR 1852 - Expanding Am. Homeownership Act of 2007 HR 391 - FHA Reverse Mortgages HR 1227 - Gulf Coast Housing Recovery Act. Regulation of government sponsored enterprises, including: HR 1427 - Federal Housing Finance Reform Act of 2007

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

Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Office of Thrift Supervision (OTS), SENATE

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

Issues related to the regulation of subprime mortgage lending, mortgage loan servicing, and mortgage lending consumer protections, including HOEPA, S. 1299, S. 1386 , S. 1299, HR 3081, HR 2061

Client expense: Not reported · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE