Stop Unfair Practices in Credit Cards Act of 2007

S. 1395, Stop Unfair Practices in Credit Cards Act; H.R. 2607, Internet Gambling; Data Security, including HR 1685/S.1260, S.495 and S.239; H.R. 946, Consumer Overdraft Protection Fair Practices Act; H.R. 5546, Credit Card Fair Fee Act; H.R. 5244, Credit Cardholders Bill of Rights; S. 3086, Credit Card Fair Fee Act; H.R. 6248, Credit Card Interchange Fees Act of 2008; H.R. 6620, Gas Pump Fair Payment Act of 2008; Card practices legislation in general.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S. 1395 Stop unfair practices in Credit Card Accounts; H.R. 698, Industrial Holding Company Act: 495, Personal Data Privacy and Security Act; S. 1356 Industrial Bank Holding Company Act: H.R. 5244, The Credit Cardholders' Bill of Rights; S. 1178 - Identity Theft Prevention Act

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S. 1395 Stop unfair practices in Credit Card Accounts; H.R. 698, Industrial Holding Company Act: S. 495, Personal Data Privacy and Seucrity ACt; S. 1356 Industrial Bank Holding Company Act: H.R. 5244, The credit Cardholders' Bill of Rights; S. 1178 - Identity Theft Prevention ACT

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.Con.Res. 312 - Budget resolution FY2009 Bill establishes the congressional budget for the Federal Government for fiscal year 2009, and sets forth appropriate budgetary levels for fiscal years 2010 through 2013. NSBA supported certain sections and amendments of the resolution. H.R. 25 - Fair Tax Act or 2007 Legislation to abolish the Internal Revenue Service and enacting a national sales tax. NSBA supported. H. R. 731 - National Small Business Regulatory Assistance Act of 2007 Bill would require the SBA to establish a program providing regulatory-compliance assistance to small businesses. NSBA supported. H.R. 1023 - Withholding Tax Relief Act of 2007 A bill to repeal a provision designed to increase federal tax revenue by $7 billion over ten years. Repeal the new mandatory 3 percent withholding requirement on all payments for goods and services made to federal, state and local contractors. NSBA supports. H.R. 1112 - Stealth Tax Relief Extension Act of 2007 The legislation increases the exemption from the alternative minimum tax for individual taxpayers in 2007 and extends through 2007 the allowance of certain nonrefundable tax credits against alternative minimum tax liability. NSBA supported. H.R. 1332 Small Business Lending Improvements Act of 2007 Bill would improve the access to capital programs of the SBA. NSBA supported. H.R. 1424 - Emergency Economic Stabilization Act of 2008 Bill addressed the expiration of popular tax provisions such as the AMT patch, research and development tax credits and various other credits and deductions designed to encourage renewable energies. NSBA supported. H.R. 1506 Fuel Economy Reform Act Measure would increase fuel economy standards for automobiles. NSBA supported. H.R. 1542 Healthy Families Act Bill to expand the Family Medical Leave Act (FMLA) to require that employers with 15 or more employees provide up to 7 paid sick-leave days to their employees. NSBA opposed. H.R. 1677 Taxpayer Protection Act of 2007 Bill gives IRS the right to deny information to tax preparers and lenders who might be contemplating predatory refund anticipation loans (RALs). It also includes provisions on the earned income tax credit and individual retirement accounts. NSBA supported. H.R. 1873 Small Business Fairness in Contracting Act of 2007 Bill would improve federal procurement opportunities for small businesses. NSBA supported. H.R. 2205/S. 1010 Retirement Security for Life Act To amend the Internal Revenue Code of 1986 to encourage guaranteed lifetime income payments from annuities and similar payments of life insurance proceeds at dates later than death by excluding from income a portion of such payments. NSBA supports retirement options for its employees, but NSBA has remained largely neutral on this proposal. H.R. 2380 - Death Tax Repeal Permanency Act of 2007 To make permanent the repeal of the estate tax after 2010. NSBA supported H.R. 2419 - Farm, Nutrition, and Bioenergy Act of 2007 Bill includes tax incentives for farms, energy and conservation initiatives. NSBA opposed certain revenue-offsets in the bill. H.R. 2727 Small Business SOX Compliance Extension Act It would extend the current exemption by at least one year for small businesses to comply with the Sarbanes-Oxley internal controls reporting requirements. NSBA supported. H.R. 3163 - The Healthy Americans Act Broad health care reform that includes an individual mandate, creation of state Health Help Agencies, subsidies for low-income individuals and changes tax-treatment of health care and health insurance expenditures. NSBA supported sections of the bill. H.R. 3170 Capital Gains and Estate Tax Relief Act of 2007 The bill permanently reduces the capital gains tax to 15 percent and the estate tax exemption will be $3.5 million in 2009 and will increase $250,000 per year until it reaches $5 million 2015. NSBA supported. H.R. 3221 - New Direction for Energy Independence, National Security, and Consumer Protection Act The bill provides economic aid to the housing industry and amend the Internal Revenue Code of 1986 to provide tax incentives for the production of renewable energy and energy conservation. NSBA opposed certain revenue-offsets in the bill. H.R. 3548 - Plain Language in Government Communications Act of 2007 Bill would establish plain language as the standard style for Government documents issued to the public, and for other purposes. NSBA supported. H.R. 3567 - the Small Business Investment Expansion Act of 2007 Bill would expand the ability of venture capital-owned businesses to participate in small-business programs. NSBA opposed. H.R. 3660 - Equity for Our Nations Self-Employed Act of 2007 Would allow self-employed individuals to fully-deduct the cost of their health insurance, thus eliminating the self-employed tax on health care. NSBA supported. H.R. 4008 - Credit and Debit Card Receipt Clarification Act of 2007 Bill provides technical corrections to the definition of willful noncompliance in regard to unintentional violations of the Fair Credit Reporting Act. NSBA supported. H.R. 4458 - the Small Business Regulatory Improvement Act Bill seeks to improve the Regulatory Flexibility Act and reduce the regulatory burden borne by Americas small businesses. NSBA supported. H.R. 5140 - Economic Stimulus Act of 2008 Bill provides economic stimulus through recovery rebates to individuals, incentives for business investment, and an increase in conforming and FHA loan limits. NSBA supported. H.R. 5244 - The Credit Cardholders Bill of Rights Bill would prohibit or reform various credit-card practices. NSBA supported. H.R. 5351 - Renewable Energy and Energy Conservation Tax Act Bill would extend a range of renewable energy tax incentives NSBA supported. H.R. 5402 - Climate Change Center and Clearinghouse Act of 2007 Bill would charge the SBA and EPA to co-chair an interagency working group across federal agencies and establish a clearinghouse of climate-change related information for small businesses. NSBA supported. H.R. 5719 - Taxpayer Assistance and Simplification Act of 2008 Bill amends the Internal Revenue Code of 1986 to conform return preparer penalty standards, delay implementation of withholding taxes on government contractors, enhance taxpayer protections, and assist low-income taxpayers. NSBA supported certain provisions of the measure. H.R. 5819 SBIR STTR Reauthorization Act Bill would reauthorize the Small Business Innovation Research (SBIR) program. NSBA supported. H.R. 6049 - Renewable Energy and Job Creation Act of 2008 Bill amends the Internal Revenue Code of 1986 to provide incentives for energy production and conservation, extend certain expiring tax provisions, and provide individual income tax relief. NSBA supported. H.R. 6210 Small Business Health Options Program Act of 2008 Amends the Public Health Service Act to establish a nationwide health insurance purchasing pool for small businesses and the self-employed that would offer a choice of private health plans and make coverage more affordable, predictable, and accessible. NSBA supported certain sections of the bill. H.R. 6214 Home Office Deduction Standardization Act of 2008 It amends the Internal Revenue Code to allow a taxpayer who uses a residence to conduct a trade or business a standard tax deduction equal to the lesser of $1,500 or the taxpayer's gross trade or business income derived from the business use of such residence. NSBA supported. H.R. 6275 - Alternative Minimum Tax Relief Act of 2008 Bill provides individuals temporary relief from the alternative minimum tax. NSBA supported bill, but opposed offsets. H.R. 6499 Sensible Tax Act of 2008 Beginning in 2009, the legislation would permanently exclude the first $2 million ($4 million for a couple) of an estates value from being subject to any tax and subsequently be adjusted for inflation. The measure would ensure that the surviving spouse is entitled to the $2 million to which the deceased spouse was entitled. NSBA supported. H.R. 6582 - Small Business CHOICE Act of 2008 To encourage the development of small business cooperatives for healthcare options to improve coverage for employees (CHOICE) including through a small business CHOICE tax credit. NSBA supports elements of this legislation to the extent it addresses rising health care cost and insurance availability for small business owners. However, NSBA maintains reservations about the use of cooperatives to achieve this. H.R. 6601 Small Business Tax Modernization Act of 2008 Bill creates a standard home office deduction, removes cell phones from listed property, allows nonresident aliens to be S corporation shareholders, increases the deduction for business meals and entertainment for qualified small businesses, and reduces the recovery period for depreciation of heating, ventilation, air conditioning, and refrigeration (HVACR) equipment. NSBA supported. H.R. 6633 - Employee Verification Amendment Act of 2008 To evaluate and extend the basic pilot program for employment eligibility confirmation and to ensure the protection of Social Security beneficiaries. NSBA supports the employment of legal employees, but remains cautious of mandating a system such as E-verify on small businesses owners due to burdensome administrative task, unwarranted penalties and historical technical errors with the E-verify system. H.R. 6983 - Paul Wellstone Mental Health and Addiction Equity Act of 2008 Would require health plans that offer mental health benefits to cover the same mental health and addiction disorders that are included in the Federal Employee Health Benefits Program (FEHBP). NSBA opposed. H.R. 7060 - Renewable Energy and Job Creation Tax Act of 2008 Bill includes an extension of individual and business tax provisions and energy tax incentives. NSBA supported. H.R. 7074 Home Office Tax Deduction Simplification Act Bill brings clarity to the process of claiming the tax deduction for a home office and directs the Secretary of Treasury to establish an optional standard deduction. NSBA supported. S.Con.Res. 70 - Bill establishes the congressional budget for the Federal Government for fiscal year 2009, and sets forth appropriate budgetary levels for fiscal years 2010 through 2013. NSBA supported certain sections and amendments of the resolution. S. 55 - Individual Alternative Minimum Tax Repeal Act of 2007 The measure repeals the alternative minimum tax on individuals. NSBA supported. S. 102 A bill to extend and expand relief from the alternative minimum tax and to repeal the extension of the lower rates for capital gains and dividends for 2009 and 2010. The legislation increases the exemption from the alternative minimum tax for individual taxpayers in 2007 and extends through 2007 the allowance of certain nonrefundable tax credits against alternative minimum tax liability. NSBA supported. S. 334 The Healthy Americans Act Broad health care reform that includes an individual mandate, creation of state Health Help Agencies, subsidies for low-income individuals and changes tax-treatment of health care and health insurance expenditures. NSBA supported sections of the bill S.558 Mental Health Parity Act of 2007 Legislation would require insurance companies to offer the same level of financial coverage for mental health care as they do for other medical care. NSBA opposed S. 777 Withholding Tax Relief Act of 2007 A bill to repeal a provision designed to increase federal tax revenue by $7 billion over ten years. Repeal the new mandatory 3 percent withholding requirement on all payments for goods and services made to federal, state and local contractors. NSBA supports. S. 910 Healthy Families Act Bill to expand the Family Medical Leave Act (FMLA) to require that employers with 15 or more employees provide up to 7 paid sick-leave days to their employees. NSBA opposed S. 1145 - The Patent Reform Act of 2007 Bill would provide comprehensive reform the U.S. patent system. NSBA opposed. S. 1395 - Stop Unfair Practices in Credit Cards Act Bill would prohibit or reform various credit-card practices. NSBA supported. S. 1617- Fuel Reduction using Electrons to End Dependence On the Mid-East (FREEDOM) Act Bill would provide incentives for the purchase of plug-in electric drive motor vehicles. NSBA supported. S. 1681 Family Medical Leave Insurance Act Legislation to create a fund that would provide up to eight weeks of paid family leave. Mandates employees and employers to fund the plan through payroll taxes. NSBA opposed. S. 1783 - Ten Steps to Transform Health Care in America Act A bill to provide 10 steps to transform health care in America. NSBA supports this legislation to the extent it offers a comprehensive perspective to reforming the health care system to make insurance more affordable for small business owners. However, NSBA opposes the across state line pooling which is included in this proposal. S. 1932 Bill would increase the expenditures for the Small Business Innovation Research and Small Business Technology Transfer programs. NSBA supported. S. 2291- Plain Language in Government Communications Act of 2007 Bill would establish plain language as the standard style for Government documents issued to the public, and for other purposes. NSBA supported. S. 2239 Equity for Our Nations Self-Employed Act of 2007 Would allow self-employed individuals to fully-deduct the cost of their health insurance, thus eliminating the self-employed tax on health care. NSBA supports. S. 2394 - Good Government Contractor Act of 2007 Bill would amend the Internal Revenue Code of 1986 to simplify, modernize, and improve public notice of and access to tax lien information by providing for a national, Internet accessible, filing system for Federal tax liens, and would also repeal the three percent withholding requirement. NSBA supports sections of this bill. S. 2612 - The Small Business Lending Stimulus Act of 2008, Bill would authorize additional funding for SBA lending program and cut borrowing and lending fees. NSBA supported. S. 2636 - Foreclosure Prevention Act of 2008 Bill provides housing reform and includes and extension of the net operating loss carryback rules to allow some money-losing businesses to get refunds of taxes paid during profitable years. NSBA supported. S. 2795 Small Business Health Options Program Act of 2008 Amends the Public Health Service Act to establish a nationwide health insurance purchasing pool for small businesses and the self-employed that would offer a choice of private health plans and make coverage more affordable, predictable, and accessible. NSBA supported certain sections of the bill. S. 2886 - Alternative Minimum Tax and Extenders Tax Relief Act of 2008 Bill amends the Internal Revenue Code to extend expiring provisions relating to the alternative minimum tax, individual and business taxpayers, energy conservation, and tax administration. NSBA supported. S. 2902 SBA Reauthorization and Improvements Act of 2008 Bill would reauthorize various parts of the Small Business Administration. NSBA supported. S. 3371 Home Office Deduction Simplification and Improvement Act of 2008 Bill brings clarity to the process of claiming the tax deduction for a home office and directs the Secretary of Treasury to establish an optional standard deduction. NSBA supported. S. 3406 ADA Amendments Act A bill to restore the intent and protections of the Americans with Disabilities Act of 1990. NSBA supports the intent of the ADA, but raised concerns over the potential for additional burdensome regulations being put on small businesses. S. 3408 Comparative Effectiveness Research Act of 2008 A bill to amend title XI of the Social Security Act to provide for the conduct of comparative effectiveness research and to amend the Internal Revenue Code of 1986 to establish a Comparative Effectiveness Research Trust Fund, and for other purposes. NSBA supports this legislation as a cornerstone to the framework of value-based purchasing and price transparency to consumer of health care services. S. 3554 - Affordable Coverage for Small Employers Act of 2008 A bill to provide employees of small employers with access to quality, affordable health insurance coverage. NSBA supports this legislation to the extent it offers a comprehensive low-income subsidies and tax incentive available to make insurance more affordable for small business owners.

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

Government targets: Centers For Medicare and Medicaid Services (CMS), Energy, Dept of, Environmental Protection Agency (EPA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Internal Revenue Service (IRS), Labor, Dept of (DOL), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of

S 1395

Client expense: $471,984 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Natl Aeronautics & Space Administration (NASA), Nuclear Regulatory Commission (NRC), SENATE

HR 5244; H.R. 946; S 1395

Client expense: $471,984 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Natl Aeronautics & Space Administration (NASA), Nuclear Regulatory Commission (NRC), SENATE

S. 163, Small Business Disaster Response and Loan Improvements Act of 2007 (all provisions) S. 413, Community Choice in Real Estate Act (all provisions) S. 869, the Compete Act of 2007 (all provisions) S. 927, Catastrophe Savings Accounts Act of 2007 (all provisions) S. 1176, the Credit Card Minimum Payment Warning Act (all provisions) S. 1299, Borrowers Protection Act of 2007 (all provisions) S. 1309, the Universal Default Prohibition Act of 2007 To amend the Truth in Lending Act to prohibit universal defaults on credit card accounts S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007 (all provisions) S. 2036, the Protecting Access to Safe Mortgages Act (all provisions) S. 2169, the Promoting Refinancing Opportunities for Mortgages Impacted by the Subprime Emergency Act of 2007 (all provisions) S. 2452, the Home Ownership Preservation and Protection Act of 2007 (all provisions) S. 2636, the Foreclosure Prevention Act of 2008 (all provisions, including mortgage-bankruptcy, credit counseling, adjustments to mortgage bonds, and net operating loss carry-back provisions) S. 2753, the Credit Card Reform Act of 2008 (all provisions) S. 2957, the Credit Union Regulatory Improvements Act of 2007 (all provisions) S. 3086, the Credit Card Fair Fee Act of 2008 (all provisions) S. 3252, the Credit CARD Act of 2008 (all provisions) S. 3287, the Protecting Consumers from Unreasonable Credit Rates Act of 2008 (all provisions) H.Res. 526, expressing the sense of the House that Government action should be taken that protects buyers from unscrupulous mortgage brokers and lenders H.R. 41, the Business Checking Fairness Act of 2007 (all provisions) H.R. 111, the Community Choice in Real Estate Act (all provisions) H.R. 873, the Credit Card Payment Fee Act of 2007 To amend the Truth in Lending Act to prohibit fees by creditors for payments on credit card accounts by electronic fund transfers H.R. 946, the Consumer Overdraft Protection Fair Practices Act To extend the protections of the Truth in Lending Act to overdraft protection programs and services provided by depository institutions. H.R. 1066, the Depository Institution Community Development Investments Enhancement Act (all provisions) H.R. 1314, the Photo Identification Security Act (all provisions) H.R. 1361, the Relief for Entrepreneurs: Coordination of Objectives and Values for Effective Recovery Act of 2007 (RECOVER Act) (all provisions) H.R. 1461, the Consumer Credit Protection Act (all provisions) H.R. 1508, the Compete Act of 2007 (all provisions) H.R. 1510, the Credit Card Repayment Act of 2007 (all provisions) H.R. 1515, the Housing and Community Development Act of 1974 to treat certain communities as metropolitan cities for purposes of the community development block grant program (all provisions) H.R. 1787, the Catastrophe Savings Accounts Act of 2007 (all provisions) H.R. 1849, the Credit Union Small Business Lending Act (all provisions) H.R. 2146, the Universal Default Prohibition Act of 2007 To amend the Truth in Lending Act to prohibit universal defaults on credit card accounts H.R. 2911, the Electronic Funds Transfer Equal Consumer Protection Act (all provisions) H.R. 3012, the Fair Mortgage Practices Act of 2007 (all provisions) H.R. 3221, the American Housing Rescue and Foreclosure Prevention Act of 2008 (all provisions) H.R. 3526, to include all banking agencies within the existing regulatory authority under the Federal Trade Commission Act with respect to depository institutions (all provisions) H.R. 3837, the Escrow, Appraisal, and Mortgage Servicing Improvements Act (all provisions H.R. 3838, to temporarily increase 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 (all provisions) H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007 (all provisions) H.R. 4049, the Money Service Business Act of 2007 (all provisions) H.R. 5244, the Credit Cardholders Bill of Rights Act of 2008 (all provisions) H.R. 5546, the Credit Card Fair Fee Act of 2008 (all provisions) H.R. 5633, the Nondiscriminatory Use of Consumer Reports and Consumer Information Act of 2008 (all provisions to modify the Fair Credit Reporting Act) Proposals to address anticipated mortgage foreclosures. Proposals to address predatory lending practices in the subprime mortgage market Proposal to freeze interest rates on certain subprime mortgage loans Frank-Schumer GSE cap increase bill Proposed Fair Credit for Families legislation to create a Financial Product Safety Commission, establish a 30 percent cap on annual credit card interest rates, require clearer disclosures on credit card terms and fees, and provide more funds to promote financial literacy. Dodd-Frank proposed foreclosure prevention legislation that would provide federal funds to state housing authorities for buying foreclosed properties and Federal Housing Administration guarantees for refinancing distressed mortgages. Frank proposal to create a financial services risk regulator. Anti-Money-Laundering programs/proposals. General proposals to restructure the financial services regulatory structure. Deposit insurance policies. Programs to bring people into the financial mainstream. Bank examination practices and policies. Proposal regarding garnishment of federal benefits payments. Examined Treasury plans to protect financial markets; Fannie and Freddie preferred stock. H.R. 6871, the Expedited Funds Availability Dollar Limits Adjustment Act of 2008

Client expense: $2,340,000 · Firm income: Not reported

Government targets: Defense, Dept of (DOD), Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Justice, Dept of (DOJ), Labor, Dept of (DOL), Office of Management & Budget (OMB), SENATE, Social Security Administration (SSA), Treasury, Dept of, White House Office

S 1395, Stop Unfair Practices in Credit Cards Act of 2007: entire bill. HR 5546, Credit Card Interchange Fees: banking. No specific bill number: Bear Sterns merger.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S 1395, Stop Unfair Practices in Credit Cards Act of 2007, provisions relating to credit card issuer practices. HR 946, Consumer Overdraft Protection Fair Practices Act, provisions relating to debit card issuer practices. Disclosure and protection issues. HR 2829, Financial Services and General Government Appropriations Act of 2008, provisions relating to interchange rates. Regulatory issuers in connection with pre-paid cards.

Client expense: $860,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, SENATE, State, Dept of (DOS), Treasury, Dept of, U.S. Trade Representative (USTR)

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

S. 1395, Stop Unfair Practices in Credit Cards Act, provisions relating to credit card practices H.R. 873, Credit Card Payment Fee Act of 2007, provisions relating to certain fees H.R. 1461, Credit Card Act, provisions relating to credit card practices H.R. 5244, Credit Cardholders' Bill of Rights Act of 2007, provisions relating to credit card practices HR. 2146, Universal Default Prohibition Act of 2007, provisions relating to risk based pricing S. 1309, Universal Default Prohibition Act of 2007, provisions relating to risk based pricing S. 1176, Credit Card Minimum Payment Warning Act of 2007, minimum payment disclosure requirements HR 1510, Credit Card Repayment Act of 2007, provisions relating to minimum payment disclosure requirements S. 1925, Student Credit Card Protection Act of 2007, underwriting standards for student cards H.R. 3347, Student Credit Card Protection Act of 2007, underwriting standards for student cards H.R. 3421, Credit Protection Act of 2007, disclosure provisions S. 2411, the Credit Card Safety Star Act of 2007, provisions to create a credit card rating system S. 1356, Industrial Bank Holding Company Act of 2007, provisions relating to the regulation and supervision of ILCs H.R. 698, Industrial Bank Holding Company Act of 2007, provisions relating to the regulation and supervision of ILCs H.R. 5546, Credit Card Fair Fee Act of 2008, issues relating to credit card interchange rates Proposed revisions to Regulation Z regarding open-end credit plan disclosures Proposed revisions to Regulation AA regarding unfair and deceptive acts and practices Proposed Senate Legislation regarding credit card practices Issues relating to the proposed "Industrial Bank Holding Company Act" S. 3086, Credit Card Fair Fee Act of 2008, issues relating to credit card interchange fees H.R. 6248, Credit Card Interchange Fee Act of 2008, issues relating to credit card interchange fees Proposed Credit Card Accountability Responsibility and Disclosure Act of 2008, issues relating to credit card terms and conditions Proposed amendments to Regulation AA regarding certain unfair and deceptive acts and practices, issues relating to credit card terms and conditions H.R. 5988, the Fair and Justifiable Credit Card Interchange Fee Act of 2008, provisions relating to credit card interchange fees S2978/H.R. 4008, the Credit and Debit Card Receipt Clarification Act of 2008, provisions relating to printing of information on credit card receipts

Client expense: $1,070,000 · Firm income: Not reported

Government targets: Executive Office of the President (EOP), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Social Security Administration (SSA), Treasury, Dept of, U.S. Postal Service (USPS)

S 1395 "Stop Unfair Credit Card Practices" and HR 2146 "Universal Default Prohibition Act" - address concerns and educate Members and staff on credit card pricing and marketing practices; HR 5546 "Credit Card Fair Fee Act" - educate Members and staff on the role of interchange in the electronic payments network; HR 3915 "Mortgage Reform and Anti-Predatory Lending Act" and HR 2452 "Home Ownership Preservation and Protection Act" - protect homebuyers from predatory lending practices and support legislation providing for federal preemption of state laws; HR 1066 "Depository Institution Community Development Investments Enhancement Act" and S 2487 "Public Welfare Investments" - relate to the Community Reinvestment Act; HR 948 "Social Security Number Protection Act" and HR 3046 "Social Security Number Privacy and Identity Theft Protection Act" - legislation to restrict the commercial use of Social Security numbers; S 473 "Combatting Money Laundering and Terrorist Financing Act" - improve the prohibitions on money laundering, and for other purposes; HR 946 "Conumer Overdraft Protection Fair Practices Act" - educate Members and staff on legislation to increase regulation of overdraft protection programs; Educate administration and Members on industry response to crisis in mortgage lending including loan modification; Discuss mortgage and housing rescue proposal to allow FHA to guarantee "underwater" mortgages that have been discounted by the original lender.

Client expense: $1,430,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Commerce, Dept of (DOC), Federal Highway Administration (FHA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Justice, Dept of (DOJ), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of

H.R. 25 - Fair Tax Act or 2007 Legislation to abolish the Internal Revenue Service and enacting a national sales tax. NSBA supported. H. R. 731 - National Small Business Regulatory Assistance Act of 2007 Bill would require the SBA to establish a program providing regulatory-compliance assistance to small businesses. NSBA supported. H.R. 1023 - Withholding Tax Relief Act of 2007 A bill to repeal a provision designed to increase federal tax revenue by $7 billion over ten years. Repeal the new mandatory three percent withholding requirement on all payments for goods and services made to federal, state and local contractors. NSBA supports. H.R. 1112 - Stealth Tax Relief Extension Act of 2007 The legislation increases the exemption from the alternative minimum tax for individual taxpayers in 2007 and extends through 2007 the allowance of certain nonrefundable tax credits against alternative minimum tax liability. NSBA supported. H.R. 1424 - Emergency Economic Stabilization Act of 2008 Bill addressed the expiration of popular tax provisions such as the AMT patch, research and development tax credits and various other credits and deductions designed to encourage renewable energies. NSBA supported. H.R. 1677 Taxpayer Protection Act of 2007 Bill gives IRS the right to deny information to tax preparers and lenders who might be contemplating predatory refund anticipation loans (RALs). It also includes provisions on the earned income tax credit and individual retirement accounts. NSBA supported. H.R. 1873 Small Business Fairness in Contracting Act of 2007 Bill would improve federal procurement opportunities for small businesses. NSBA supported. H.R. 2205 Retirement Security for Life Act To amend the Internal Revenue Code of 1986 to encourage guaranteed lifetime income payments from annuities and similar payments of life insurance proceeds at dates later than death by excluding from income a portion of such payments. NSBA supports retirement options for its employees, but NSBA has remained largely neutral on this proposal. H.R. 2380 - Death Tax Repeal Permanency Act of 2007 To make permanent the repeal of the estate tax after 2010. NSBA supported. H.R. 2419 - Farm, Nutrition, and Bioenergy Act of 2007 Bill includes tax incentives for farms, energy and conservation initiatives. NSBA opposed certain revenue-offsets in the bill. H.R. 2727 Small Business SOX Compliance Extension Act It would extend the current exemption by at least one year for small businesses to comply with the Sarbanes-Oxley internal controls reporting requirements. NSBA supported. H.R. 3163 - The Healthy Americans Act Broad health care reform that includes an individual mandate, creation of state Health Help Agencies, subsidies for low-income individuals and changes tax-treatment of health care and health insurance expenditures. NSBA supported sections of the bill. H.R. 3170 Capital Gains and Estate Tax Relief Act of 2007 The bill permanently reduces the capital gains tax to 15 percent and the estate tax exemption will be $3.5 million in 2009 and will increase $250,000 per year until it reaches $5 million 2015. NSBA supported. H.R. 3221 - New Direction for Energy Independence, National Security, and Consumer Protection Act The bill provides economic aid to the housing industry and amend the Internal Revenue Code of 1986 to provide tax incentives for the production of renewable energy and energy conservation. NSBA opposed certain revenue-offsets in the bill. H.R. 3548 - Plain Language in Government Communications Act of 2007 Bill would establish plain language as the standard style for Government documents issued to the public, and for other purposes. NSBA supported. H.R. 3567 - The Small Business Investment Expansion Act of 2007 Bill would expand the ability of venture capital-owned businesses to participate in small-business programs. NSBA opposed. H.R. 3660 - Equity for Our Nations Self-Employed Act of 2007 Would allow self-employed individuals to fully-deduct the cost of their health insurance, thus eliminating the self-employed tax on health care. NSBA supported. H.R. 4008 - Credit and Debit Card Receipt Clarification Act of 2007 Bill provides technical corrections to the definition of willful noncompliance in regard to unintentional violations of the Fair Credit Reporting Act. NSBA supported. H.R. 4458 - The Small Business Regulatory Improvement Act Bill seeks to improve the Regulatory Flexibility Act and reduce the regulatory burden borne by Americas small businesses. NSBA supported. H.R. 5140 - Economic Stimulus Act of 2008 Bill provides economic stimulus through recovery rebates to individuals, incentives for business investment, and an increase in conforming and FHA loan limits. NSBA supported. H.R. 5244 - The Credit Cardholders Bill of Rights Bill would prohibit or reform various credit-card practices. NSBA supported. H.R. 5351 - Renewable Energy and Energy Conservation Tax Act Bill would extend a range of renewable energy tax incentives NSBA supported. H.R. 5719 - Taxpayer Assistance and Simplification Act of 2008 Bill amends the Internal Revenue Code of 1986 to conform return preparer penalty standards, delay implementation of withholding taxes on government contractors, enhance taxpayer protections, and assist low-income taxpayers. NSBA supported certain provisions of the measure. H.R. 5819 SBIR STTR Reauthorization Act Bill would reauthorize the Small Business Innovation Research (SBIR) program. NSBA supported. H.R. 6049 - Renewable Energy and Job Creation Act of 2008 Bill amends the Internal Revenue Code of 1986 to provide incentives for energy production and conservation, extend certain expiring tax provisions, and provide individual income tax relief. NSBA supported. H.R. 6210 - Small Business Health Options Program Act of 2008 Amends the Public Health Service Act to establish a nationwide health insurance purchasing pool for small businesses and the self-employed that would offer a choice of private health plans and make coverage more affordable, predictable, and accessible. NSBA supported certain sections of the bill. H.R. 6214 - Home Office Deduction Standardization Act of 2008 It amends the Internal Revenue Code to allow a taxpayer who uses a residence to conduct a trade or business a standard tax deduction equal to the lesser of $1,500 or the taxpayer's gross trade or business income derived from the business use of such residence. NSBA supported. H.R. 6275 - Alternative Minimum Tax Relief Act of 2008 Bill provides individuals temporary relief from the alternative minimum tax. NSBA supported bill, but opposed offsets. H.R. 6499 Sensible Tax Act of 2008 Beginning in 2009, the legislation would permanently exclude the first $2 million ($4 million for a couple) of an estates value from being subject to any tax and subsequently be adjusted for inflation. The measure would ensure that the surviving spouse is entitled to the $2 million to which the deceased spouse was entitled. NSBA supported. H.R. 6582 - Small Business CHOICE Act of 2008 To encourage the development of small business cooperatives for healthcare options to improve coverage for employees (CHOICE) including through a small business CHOICE tax credit. NSBA supports elements of this legislation to the extent it addresses rising health care cost and insurance availability for small business owners. However, NSBA maintains reservations about the use of cooperatives to achieve this. H.R. 6601 Small Business Tax Modernization Act of 2008 Bill creates a standard home office deduction, removes cell phones from listed property, allows nonresident aliens to be S corporation shareholders, increases the deduction for business meals and entertainment for qualified small businesses, and reduces the recovery period for depreciation of heating, ventilation, air conditioning, and refrigeration (HVACR) equipment. NSBA supported. H.R. 6633 - Employee Verification Amendment Act of 2008 To evaluate and extend the basic pilot program for employment eligibility confirmation and to ensure the protection of Social Security beneficiaries. NSBA supports the employment of legal employees, but remains cautious of mandating a system such as E-verify on small businesses owners due to burdensome administrative task, unwarranted penalties and historical technical errors with the E-verify system. H.R. 6983 - Paul Wellstone Mental Health and Addiction Equity Act of 2008 Would require health plans that offer mental health benefits to cover the same mental health and addiction disorders that are included in the Federal Employee Health Benefits Program (FEHBP). NSBA opposed. H.R. 7005 Alternative Minimum Tax Relief Act of 2008 Bill would amend the Internal Revenue Code of 1986 to provide alternative minimum tax relief for individuals for 2008. NSBA supported. H.R. 7006 Disaster Tax Relief Act of 2008 Provides relief to taxpayers affected by Federally-declared disasters nationwide. NSBA supported the tax relief provisions. H.R. 7060 - Renewable Energy and Job Creation Tax Act of 2008 Bill includes an extension of individual and business tax provisions and energy tax incentives. NSBA supported. H.R. 7074 Home Office Tax Deduction Simplification Act Bill brings clarity to the process of claiming the tax deduction for a home office and directs the Secretary of Treasury to establish an optional standard deduction. NSBA supported. S. 55 - Individual Alternative Minimum Tax Repeal Act of 2007 The measure repeals the alternative minimum tax on individuals. NSBA supported. S. 102 A bill to extend and expand relief from the alternative minimum tax and to repeal the extension of the lower rates for capital gains and dividends for 2009 and 2010. The legislation increases the exemption from the alternative minimum tax for individual taxpayers in 2007 and extends through 2007 the allowance of certain nonrefundable tax credits against alternative minimum tax liability. NSBA supported. S. 334 The Healthy Americans Act Broad health care reform that includes an individual mandate, creation of state Health Help Agencies, subsidies for low-income individuals and changes tax-treatment of health care and health insurance expenditures. NSBA supported sections of the bill S.558 Mental Health Parity Act of 2007 Legislation would require insurance companies to offer the same level of financial coverage for mental health care as they do for other medical care. NSBA opposed S. 777 Withholding Tax Relief Act of 2007 A bill to repeal a provision designed to increase federal tax revenue by $7 billion over ten years. Repeal the new mandatory 3 percent withholding requirement on all payments for goods and services made to federal, state and local contractors. NSBA supports. S. 1010 Retirement Security for Life Act To amend the Internal Revenue Code of 1986 to encourage guaranteed lifetime income payments from annuities and similar payments of life insurance proceeds at dates later than death by excluding from income a portion of such payments. NSBA supports retirement options for its employees, but NSBA has remained largely neutral on this proposal. S. 1395 - Stop Unfair Practices in Credit Cards Act Bill would prohibit or reform various credit-card practices. NSBA supported. S. 1681 Family Medical Leave Insurance Act Legislation to create a fund that would provide up to eight weeks of paid family leave. Mandates employees and employers to fund the plan through payroll taxes. NSBA opposed. S. 1783 - Ten Steps to Transform Health Care in America Act A bill to provide 10 steps to transform health care in America. NSBA supports this legislation to the extent it offers a comprehensive perspective to reforming the health care system to make insurance more affordable for small business owners. However, NSBA opposes the across state line pooling which is included in this proposal. S. 1932 Bill would increase the expenditures for the Small Business Innovation Research and Small Business Technology Transfer programs. NSBA supported. S. 2291- Plain Language in Government Communications Act of 2007 Bill would establish plain language as the standard style for Government documents issued to the public, and for other purposes. NSBA supported. S. 2239 - Equity for Our Nation's Self-Employed Act of 2007 Would allow self-employed individuals to fully-deduct the cost of their health insurance, thus eliminating the self-employed tax on health care. NSBA supports. S. 2394 - Good Government Contractor Act of 2007 Bill would amend the Internal Revenue Code of 1986 to simplify, modernize, and improve public notice of and access to tax lien information by providing for a national, Internet accessible, filing system for Federal tax liens, and would also repeal the three percent withholding requirement. NSBA supports sections of this bill. S. 2612 - The Small Business Lending Stimulus Act of 2008, Bill would authorize additional funding for SBA lending program and cut borrowing and lending fees. NSBA supported. S. 2636 - Foreclosure Prevention Act of 2008 Bill provides housing reform and includes and extension of the net operating loss carryback rules to allow some money-losing businesses to get refunds of taxes paid during profitable years. NSBA supported. S. 2795 Small Business Health Options Program Act of 2008 Amends the Public Health Service Act to establish a nationwide health insurance purchasing pool for small businesses and the self-employed that would offer a choice of private health plans and make coverage more affordable, predictable, and accessible. NSBA supported certain sections of the bill. S. 2886 - Alternative Minimum Tax and Extenders Tax Relief Act of 2008 Bill amends the Internal Revenue Code to extend expiring provisions relating to the alternative minimum tax, individual and business taxpayers, energy conservation, and tax administration. NSBA supported. S. 2902 SBA Reauthorization and Improvements Act of 2008 Bill would reauthorize various parts of the Small Business Administration. NSBA supported. S. 3371 Home Office Deduction Simplification and Improvement Act of 2008 Bill brings clarity to the process of claiming the tax deduction for a home office and directs the Secretary of Treasury to establish an optional standard deduction. NSBA supported. S. 3406 ADA Amendments Act A bill to restore the intent and protections of the Americans with Disabilities Act of 1990. NSBA supports the intent of the ADA, but raised concerns over the potential for additional burdensome regulations being put on small businesses. S. 3408 Comparative Effectiveness Research Act of 2008 A bill to amend title XI of the Social Security Act to provide for the conduct of comparative effectiveness research and to amend the Internal Revenue Code of 1986 to establish a Comparative Effectiveness Research Trust Fund, and for other purposes. NSBA supports this legislation as a cornerstone to the framework of value-based purchasing and price transparency to consumer of health care services. S. 3554 - Affordable Coverage for Small Employers Act of 2008 A bill to provide employees of small employers with access to quality, affordable health insurance coverage. NSBA supports this legislation to the extent it offers a comprehensive low-income subsidies and tax incentive available to make insurance more affordable for small business owners. S. 3406 ADA Amendments Act A bill to restore the intent and protections of the Americans with Disabilities Act of 1990. NSBA supports the intent of the ADA, but raised concerns over the potential for additional burdensome regulations being put on small businesses. S. 3682 - Small Business Energy Innovation Act Bill would authorize grants and loan guarantees to small businesses developing and manufacturing energy-efficient technologies. NSBA supported.

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

Government targets: Centers For Medicare and Medicaid Services (CMS), Energy, Dept of, Environmental Protection Agency (EPA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Internal Revenue Service (IRS), Labor, Dept of (DOL), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of

Issues related to deposit/checking/savings accounts, mortgage loans, home equity lines of credit, student loans (public and private), bankruptcy reform, arbitration provisions in consumer contracts, and other issues which includes the following legislation: S. 1299 Borrowers 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; S. 2133 Homeowners Mortgage and Equity Savings Act of 2007; H.R. 946 Consumer Overdraft Protection Fair Practices Act; H.R. 3221 American Housing Rescue and Foreclosure Prevention Act of 2008; H.R. 3915 Mortgage Reform and Anti-Predatory Lending Act of 2007; S. 2452 Home Ownership Preservation and Protection Act of 2007; S. 2636 Foreclosure Prevention Act of 2008; H.R. 4044 National Guard and Reservists Debt Relief Act of 2008; H.R. 3010 Arbitration Fairness Act; H.R. 5312 Automobile Arbitration Fairness Act of 2008; H.R. 6126 Fairness in Nursing Home Arbitration Act of 2008; S. 2838 Fairness in Nursing Home Arbitration Act; H.R. 890 Student Loan Sunshine Act of 2007; S. 486 Student Loan Sunshine Act; H.R. 4137 College Opportunity and Affordability Act of 2007; S. 1642 Higher Education Amendments of 2007; H.R. 2669 College Cost Reduction and Access Act; H.R. 5715 Ensuring Continued Access to Student Loans Act of 2008; S. 2815 Strengthening Student Aid for All Act; and H.R. 5767 (no title bill to prohibit regulatory agencies from issuing rules on UIGEA); H.R. 1424 - Emergency Economic Stabilization Act. Issues related to credit card use including interchange which includes the following legislation: S. 1395 Stop Unfair Practices in Credit Cards Act of 2007; S. 1925 Student Credit Card Protection Act of 2007; S. 3252 Credit Card Accountability, Responsibility and Disclosure (Credit CARD) Act; H.R. 3347 Student Credit Card Protection Act of 2007; H.R. 5244 Credit Cardholders Bill of Rights Act of 2008; H.R. 5546 Credit Card Fair Fee Act of 2008; H.R. 6248 Credit Card Interchange Fees Act of 2008; and S. 3086 Credit Card Fair Fee Act of 2008 Issues related to consumer information, privacy, data security, restrictions on the use of data and privacy including the following legislation: H.R. 948 Social Security Number Protection At of 2007; S. 238 Social Security Number Misuse Prevention Act; S. 495 Personal Data Privacy and Security Act of 2007; S. 1178 Identity Theft Prevention Act; S. 2915 Safeguarding Social Security Numbers Act of 2008; H.R. 958 Data Accountability and Trust Act; H.R. 1685 Data Security Act of 2007; H.R. 1525 Internet Spyware (I-SPY) Prevention Act of 2007; H.R. 1685 Data Security Act of 2007; H.R. 3046 Social Security Number Privacy and Identify Theft Prevention Act of 2007; H.R. 3316 Identity Theft Protection Act of 2007; H.R. 5324 Social Security Number Misuse Prevention Act; and S. 2661 Anti-Phishing Consumer Protection Act of 2008.

Client expense: $510,000 · Firm income: Not reported

Government targets: Defense, Dept of (DOD), Education, Dept of, Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

S.1395, Stop Unfair Practices in Credit Cards Act; HR.3200, National Insurance Act of 2007; HR. 5244, Credit Card Holders' Bill of Rights; HR. 5546 Credit Card Fair Fee Act of 2008; Legislation relating to credit card practices; S. 40, National Insurance Act of 2007; HR. 5840, Insurance Information Act of 2008; H.R. 5633, Nondiscriminatory Use of Consumer Reports and Consumer Information Act of 2008.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S.1395, Stop Unfair Practices in Credit Cards Act; HR.3200, National Insurance Act of 2007; HR. 5244, Credit Card Holders' Bill of Rights; HR. 5546 Credit Card Fair Fee Act of 2008; Legislation relating to credit card practices; S. 40, National Insurance Act of 2007; HR. 5840, Insurance Information Act of 2008; H.R. 5633, Nondiscriminatory Use of Consumer Reports and Consumer Information Act of 2008.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S. 1395, Stop Unfair Practices in Credit Cards Act; H.R. 2607, Internet Gambling; Data Security, including HR 1685/S.1260, S.495 and S.239; H.R. 946, Consumer Overdraft Protection Fair Practices Act; H.R. 5546, Credit Card Fair Fee Act; H.R. 5244, Credit Cardholders Bill of Rights; S. 3086, Credit Card Fair Fee Act; H.R. 6248, Credit Card Interchange Fees Act of 2008; H.R. 6620, Gas Pump Fair Payment Act of 2008; Card practices legislation in general. Gift card legislation in general.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S. 1395, Stop Unfair Practices in Credit Cards Act; H.R. 2607, Internet Gambling; Data Security, including HR 1685/S.1260, S.495 and S.239; H.R. 946, Consumer Overdraft Protection Fair Practices Act; H.R. 5546, Credit Card Fair Fee Act; H.R. 5244, Credit Cardholders Bill of Rights; S. 3086, Credit Card Fair Fee Act; H.R. 6248, Credit Card Interchange Fees Act of 2008; H.R. 6620, Gas Pump Fair Payment Act of 2008; Card practices legislation in general. Gift card legislation in general.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

GSA evaluation of security programs in awarding contracts; HR 946, Consumer Overdraft Protection Act; re: disclosure of overdraft fee to consumers; HR 5244, Credit Card Holders Bill of Rights Act of 2008, re open end credit lending practices; S. 1395, Stop Unfair Practices in Credit Cards Act of 2007, re open end credit lending practices; billing practices and finance charges; H.R. 4008, the Credit and Debit Receipt Clarification Act, All provisions; Comments RE: Fair Credit Reporting Act - Section 312, Concerning Procedures to Enhance the Accuracy and Integrity of Information Furnished to Consumer Reporting Agencies; H.R. 6248, Credit Card Interchange Fees Act of 2008, all provisions; H.R. 1424, Emergency Economic Stabilization Act of 2008, all provisions.

Client expense: $500,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Consumer Product Safety Commission (CPSC), Employment Standards Administration, Environmental Protection Agency (EPA), Federal Bureau of Investigation (FBI), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Internal Revenue Service (IRS), Intl Trade Administration (ITA), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), Natl Economic Council (NEC), Natl Labor Relations Board (NLRB), Natl Security Council (NSC), Occupational Safety & Health Administration (OSHA), Office of Management & Budget (OMB), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, State, Dept of (DOS), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Customs & Border Protection, U.S. International Trade Commission (ITC), U.S. Secret Service, U.S. Trade Representative (USTR), White House Office

S. 1395 Stop Unfair Practices in Credit Cards Act of 2007 H.R. 5244 Stop Unfair Practices in Credit Cards Act of 2007

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 698, S. 1356, Industrial Bank Holding Company Act regarding commercial ownership of banks; H.R. 873, Credit Card Payment Fees Act; H.R. 1461, Credit CARD Act; H.R. 5244 Credit Cardholders' Bill of Rights; S. 1395 Stop Unfair Practices Cards Act; S. 2753 Financial Consumer Protection Act; S. 3252, Credit CARD Act - all regarding credit card practices and disclosures. H.R. 6248, Credit Card Interchange Fee Act regarding interchange fee disclosures.

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

Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

General issues involving interchange fees, including: H.R. 5546 (the Credit Card Fair Fee Act), S. 3086 (the Credit Card Fair Fee Act), H.R. 6248 (the Credit Card Interchange Fees Act of 2008), and H.R. 6620 (the Gas Pump Fair Payment Act), S. 3629 (the Consumer Credit Safety Commission Act) and H.R. 7258 (companion legislation to S. 3629); Issues relating to payment card issuer practices, including: provisions in S. 1395 (the Stop Unfair Practices in Credit Cards Act), H.R. 873 (the Credit Card Payment Fee Act), H.R. 2911 (the Electronic Funds Transfer Equal Consumer Protection Act), H.R. 2146 (the Universal Default Prohibition Act), H.R. 946 (the Consumer Overdraft Protection Fair Practices Act), H.R. 5244 (the Credit Cardholders Bill of Rights Act), S. 2753 (the Credit Card Reform Act), S. 2411 (the Credit Card Safety Star Act), and S. 3252 (the Credit Card Accountability Responsibility and Disclosure Act); Issues pertaining to data security, customer notification of security breaches, and mitigation of harm resulting from security breaches, including: provisions in S. 1178 (the Identity Theft Prevention Act), S. 239 (the Notification of Risk to Personal Data Act), S. 495 (the Personal Data Privacy and Security Act), H.R. 958 (the Data Accountability and Trust Act), and H.R. 3046 (the Social Security Number Privacy and Identity Theft Prevention Act); Issues related to the use of payment cards in connection with the purchase of prescription medications over the Internet, including: provisions in S. 980 (the Ryan Haight Online Pharmacy Consumer Protection Act), H.R. 6353 (companion legislation to S. 980), and S. 1082 (the Food and Drug Administration Revitalization Act); Issues relating to the use of payment systems in connection with transactions infringing on intellectual property rights, including: S. 3325 (the Prioritizing Resources and Organization for Intellectual Property Act) and H.R. 4279 (companion legislation to S. 3325); Issues related to retail theft, including: H.R. 6491 (the Organized Retail Crime Act), and S. 3434 (companion legislation to H.R. 6491).

Client expense: $510,000 · Firm income: Not reported

Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

Credit card, interchanges fees and practices S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007 GSE Reform H.R. 1427, Federal Housing Finance Reform Act of 2007 Govt Purchase Card, S.680, Accountability in Government Contracting Act of 2007 H.R. 946, Consumer Overdraft Protection Fair Practices Act H.R. 5244, The Credit Cardholders Bill of Rights H.R.5546, Credit Card Fair Fee Act of 2008 H.R. 323 the Seasoned Customer Exemption Act S.Credit Card Fair Fee Act H.R 5767, Payment System Protection Act of 2008 S. 3252, Credit Card Accountability Responsibility and Disclosure Act of 2008 S. 1100, Federal Housing Enterprise Regulatory Reform Act of 2007 S. 1561, with respect to exceptions to discharge in bankruptcy for certain qualified educational loans S. 1642, the Higher Education Amendments of 2007 H.R. 5280, Stop Unfair Practices in Credit Cards Act of 2008 H.R. 7334, TARP Accountability Act of 2008 S. 3683, A bill to amend the Emergency Economic Stablization Act (EESA) S. 3731, Special Inspector General for the TARP Act 0f 2008;

Client expense: $1,600,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Council of Economic Advisers (CEA), Environmental Protection Agency (EPA), Farm Credit Administration, Federal Accounting Standards Advisory Board (FASAB), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Justice, Dept of (DOJ), Natl Economic Council (NEC), Office of Management & Budget (OMB), Office of Personnel Management (OPM), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), Patent & Trademark Office (PTO), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Copyright Office, U.S. Trade Representative (USTR), White House Office

Data Breach / ID Theft / Spyware; H.R. 1525, the Internet Spyware (I-SPY) Prevention Act of 2007; H.R. 948, the Social Security Number Protection Act of 2007; H.R. 984, Non-prime/Anti-Predatory Lending; H.R. 2365, tax practitioners for infringement of a patent for tax bill; S. 1145, the Patent Reform Act of 2007; Social Security Verification; H.R. 948, the Social Security Number Protection Act of 2007; H.R. 800, the Employee Free choice Act of 2007; H.R. 1752, Expanding American Homeownership Act of 2007; H.R. 1852, the Expanding American Homeownership Act of 2007; H.R. 3046, the Social Security Number Privacy and Identify Theft Prevention Act of 2007; Student Loans Continued; H.R. 5, the College Student Relief Act of 2007, S. 359, Student Debt Relief Act of 2007; Higher Education Access Act of 2007; H.R. 5280, Stop Unfair Practices in Credit Cards Act of 2008; H.R. 5244, Credit Cardholders Bill of Rights; H.R. 6126 Fairness in Nursing Home Arbitration Act; H.R. 3012, the Fair Mortgage Practices Act; H.Con. Res 28; S. 1299, Borrower Protection Act; Credit Card; S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007, Optional Federal Charter, H.R. 3200 the National Insurance Act of 2007;

Client expense: $1,600,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Council of Economic Advisers (CEA), Environmental Protection Agency (EPA), Farm Credit Administration, Federal Accounting Standards Advisory Board (FASAB), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Justice, Dept of (DOJ), Natl Economic Council (NEC), Office of Management & Budget (OMB), Office of Personnel Management (OPM), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), Patent & Trademark Office (PTO), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Copyright Office, U.S. Trade Representative (USTR), White House Office

AML/Regulator Relief; H.R. 2829, Financial Services and General Government Appropriations Act of 2008; Credit Card/Interchange Fees; S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007; S. 186, the Attorney-Client Privilege Protection Act of 2007; H.R. 323, the Seasoned Customer Exemption Act; H.R. 755, the Promoting Transparency in Financial Report Act of 2007; H.R. 5312, Automobile, Arbitration Fairness Act; H.R. 6126, Fairness in Nursing Home Arbitration Act of 2008; H.R. 3010 / S. 1782, the Arbitration Fairness Act; Retirement Security /Annuities; S.1725, the Restoring Pension Promises to Workers Act; S.1782 Arbitration Fairness Act of 2007; H.R. 3185; the 401(k) Fair Disclosure for Retirement Security Act of 2007; H.R. 2834, Carried Interest Income Bill; GSE Reform; H.R. 1427 Federal Housing Finance Reform Act of 2007; H.R. 7334, TARP Accountability Act of 2008 S. 3683, A bill to amend the Emergency Economic Stablization Act (EESA) S. 3731, Special Inspector General for the TARP Act 0f 2008 H.R. 732, the Worker, Retiree and Employer Recovery Act

Client expense: $1,600,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Council of Economic Advisers (CEA), Environmental Protection Agency (EPA), Farm Credit Administration, Federal Accounting Standards Advisory Board (FASAB), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Justice, Dept of (DOJ), Natl Economic Council (NEC), Office of Management & Budget (OMB), Office of Personnel Management (OPM), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), Patent & Trademark Office (PTO), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Copyright Office, U.S. Trade Representative (USTR), White House Office

S. 163, Small Business Disaster Response and Loan Improvements Act of 2007 (all provisions) S. 413, Community Choice in Real Estate Act (all provisions) S. 869, The COMPETE Act of 2007 (all provisions) S. 927, Catastrophe Savings Accounts Act of 2007 (all provisions) S. 1176, the Credit Card Minimum Payment Warning Act (all provisions) S. 1299, Borrowers Protection Act of 2007 (all provisions) S. 1309, the Universal Default Prohibition Act of 2007 To amend the Truth in Lending Act to prohibit universal defaults on credit card accounts S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007 (all provisions) S. 2036, the Protecting Access to Safe Mortgages Act (all provisions) S. 2169, the Promoting Refinancing Opportunities for Mortgages Impacted by the Subprime Emergency Act of 2007 (all provisions) S. 2452, the Home Ownership Preservation and Protection Act of 2007 (all provisions) S. 2636, the Foreclosure Prevention Act of 2008 (all provisions, including mortgage-bankruptcy, credit counseling, adjustments to mortgage bonds, and net operating loss carry-back provisions) S. 2753, the Credit Card Reform Act of 2008 (all provisions) S. 2957, the Credit Union Regulatory Improvements Act of 2007 (all provisions) S. 3086, the Credit Card Fair Fee Act of 2008 (all provisions) S. 3252, the Credit CARD Act of 2008 (all provisions) S. 3287, the Protecting Consumers from Unreasonable Credit Rates Act of 2008 (all provisions) H.Res. 526, expressing the sense of the House that Government action should be taken that protects buyers from unscrupulous mortgage brokers and lenders H.R. 41, the Business Checking Fairness Act of 2007 (all provisions) H.R. 111, the Community Choice in Real Estate Act (all provisions) H.R. 873, the Credit Card Payment Fee Act of 2007 To amend the Truth in Lending Act to prohibit fees by creditors for payments on credit card accounts by electronic fund transfers Proposed Fair Credit for Families legislation to create a Financial Product Safety Commission, establish a 30 percent cap on annual credit card interest rates, require clearer disclosures on credit card terms and fees, and provide more funds to promote financial literacy. H.R. 946, the Consumer Overdraft Protection Fair Practices Act To extend the protections of the Truth in Lending Act to overdraft protection programs and services provided by depository institutions H.R. 1066, the Depository Institution Community Development Investments Enhancement Act (all provisions) H.R. 1314, the Photo Identification Security Act (all provisions) H.R. 1361, the Relief for Entrepreneurs: Coordination of Objectives and Values for Effective Recovery Act of 2007 (RECOVER Act) (all provisions) H.R. 1461, the Consumer Credit Protection Act (all provisions) H.R. 1508, the Compete Act of 2007 (all provisions) H.R. 1510, the Credit Card Repayment Act of 2007 (all provisions) H.R. 1515, the Housing and Community Development Act of 1974 to treat certain communities as metropolitan cities for purposes of the community development block grant program (all provisions) H.R. 1787, the Catastrophe Savings Accounts Act of 2007 (all provisions) H.R. 1849, the Credit Union Small Business Lending Act (all provisions) H.R. 2146, the Universal Default Prohibition Act of 2007 To amend the Truth in Lending Act to prohibit universal defaults on credit card accounts H.R. 2911, the Electronic Funds Transfer Equal Consumer Protection Act (all provisions) H.R. 3012, the Fair Mortgage Practices Act of 2007 (all provisions) H.R. 3221, the American Housing Rescue and Foreclosure Prevention Act of 2008 (all provisions) H.R. 3526, to include all banking agencies within the existing regulatory authority under the Federal Trade Commission Act with respect to depository institutions (all provisions) H.R. 3837, the Escrow, Appraisal, and Mortgage Servicing Improvements Act (all provisions H.R. 3838, to temporarily increase 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 (all provisions) H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007 (all provisions) H.R. 4049, the Money Service Business Act of 2007 (all provisions) H.R. 5244, the Credit Cardholders Bill of Rights Act of 2008 (all provisions) H.R. 5546, the Credit Card Fair Fee Act of 2008 (all provisions) H.R. 5633, the Nondiscriminatory Use of Consumer Reports and Consumer Information Act of 2008 (all provisions to modify the Fair Credit Reporting Act) Proposals to address anticipated mortgage foreclosures Proposals to address predatory lending practices in the subprime mortgage market Proposal to freeze interest rates on certain subprime mortgage loans Frank-Schumer GSE cap increase bill Dodd-Frank proposed foreclosure prevention legislation that would provide federal funds to state housing authorities for buying foreclosed properties and Federal Housing Administration guarantees for refinancing distressed mortgages. Frank proposal to create a financial services risk regulator. Discussions of reform of Anti-Money-Laundering programs. General proposals to restructure the financial services regulatory structure. Deposit insurance policies. Programs to bring people into the financial mainstream. Bank examination practices and policies. Proposal regarding garnishment of federal benefits payments. Prepared for meeting with Senate staff on the health of the industry, housing and FDIC. Fannie Mae and Freddie Mac preferred stock issues. H.R. 6871, the Expedited Funds Availability Dollar Limits Adjustment Act of 2008 H.R. 7326, the Systematic Foreclosure Prevention and Mortgage Modification Act (to establish a systematic mortgage modification program at the FDIC) (all provisions)

Client expense: $1,930,000 · Firm income: Not reported

Government targets: Defense, Dept of (DOD), Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Justice, Dept of (DOJ), Labor, Dept of (DOL), Office of Management & Budget (OMB), SENATE, Social Security Administration (SSA), Treasury, Dept of, White House Office

Basel Federal Deposit Insurance Reform (H.R. 1427; S. 1100, S. 1386) Financial Literacy (H.R. 2840, H.R. 3133, H.R. 531; 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, H.R. 2455, H.R. 3046, H.R. 2291) Terrorism Risk Insurance Act 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 (S. 1395) Emergency Economic Stabilization Act of 2008 (H.R. 1424)

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R.1289: To enhance the availability of capital and credit for all citizens and communities, to ensure that community reinvestment keeps pace as banks, securities firms, and other financial service providers become affiliates as a result of the enactment of the Gramm-Leach-Bliley Act, and for other purposes. H.R.41: To repeal the prohibition on the payment of interest on demand deposits, and for other purposes. H.R.323: To amend section 5313 of title 31, United States Code, to reform certain requirements for reporting cash transactions, and for other purposes. H.R.873: To amend the Truth in Lending Act to prohibit fees by creditors for payments on credit card accounts by electronic fund transfers, and for other purposes. H.R.1443: To treat arbitration clauses which are unilaterally imposed on consumers as an unfair and deceptive trade practice and prohibit their use in consumer transactions, and for other purposes. H.R.1461: To amend the Consumer Credit Protection Act to ban abusive credit practices, enhance consumer disclosures, protect underage consumers, and for other purposes. H.R. 1869: to enhance the ability of community banks to foster economic growth and serve their communities, boost small businesses, increase individual savings, and for other purposes. H.R.2146: To amend the Truth in Lending Act to prohibit universal defaults on credit card accounts, and for other purposes. H.R.2669: Higher Education Access Act of 2007 S.1176: A bill to require enhanced disclosure to consumers regarding the consequences of making only minimum required payments in the repayment of credit card debt, and for other purposes. S.1309: A bill to amend the Truth in Lending Act to prohibit universal defaults on credit card accounts, and for other purposes. S.1395: A bill to prevent unfair practices in credit card accounts, and for other purposes. S.1642: A bill to extend the authorization of programs under the Higher Education Act of 1965, and for other purposes. S.1831: A bill to amend the Truth in Lending Act, to improve disclosures for private student loans, and for other purposes. S.2542: To amend the Truth in Lending Act to provide for enhanced disclosure under an open end credit plan

Client expense: $515,000 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), Commerce, Dept of (DOC), HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE, State, Dept of (DOS), Treasury, Dept of, U.S. Trade & Development Agency (USTDA), U.S. Trade Representative (USTR)

HR.5244, Credit Cardholders' Bill of Rights Act of 2008 S.1395, Stop Unfair Practices in Credit Cards Act of 2007 Issues related to credit card billing reform

Client expense: Not reported · Firm income: $150,000

Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, Natl Credit Union Administration (NCUA), Office of Thrift Supervision (OTS), SENATE

1) Reform Credit Card Practices. Provided comments to hill, signed letters, lobbied on all aspects of legislation and proposed regulations pertaining to reform of unfair practices of credit card industry. testified in previous quarters. Bills include S 1395, Stop Unfair Practices in Credit Cards Act, S 2753, Credit Card Reform Act, HR 5244, Credit Cardhholders Bill of Rights Act, HR 2146 Universal Default Prohibition Act and HR 5546, Credit Card Fair Fee Act. 2) Reform Mortgage Practices and Reform Financial Services Regulation. Provided comments to hill, signed letters, lobbied on all aspects of legislation and proposed regulations pertaining to reform of mortgage and predatory lending. Bills included HR 1424, Emergency Economic Stabilization Act of 2008 (and related bills); S 2452, Home Ownership Preservation and Protection Act and HR 3915. Mortgage Reform and Anti-Predatory Lending Act.

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

Government targets: Consumer Product Safety Commission (CPSC), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Natl Credit Union Administration (NCUA), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Transportation, Dept of (DOT)

HR 964- The Securely Protect Yourself Against Cyber Trespass Act; HR 948 - the Social Security Number Protection Act of 2007; HR 958 - The Data Accountability and Trust Act; HR 1525 - The Internet Spyware (I-SPY) Prevention Act of 2007; HR 936 - To prohibit fraudulent access to telephone records; S.495 - The Personal Data Privacy and Security Act of 2007; S.239 - The Notification of Risk to Personal Data Act of 2007; S.1202 - The Personal Data Protection Act of 2007; S.1178 The Identity Theft Prevention Act; S.1395 The Stop Unfair Practices in Credit Cards Act of 2007; H.R.4175 - Privacy and Cybercrime Enforcement Act of 2007; H.R.946 - Consumer Overdraft Protection Fair Practices Act; H.R.5244 - Credit Cardholders' Bill of Rights Act of 2008; and H.R.5546 - Credit Card Fair Fee Act of 2008.

Client expense: Not reported · Firm income: $25,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HR 964- The Securely Protect Yourself Against Cyber Trespass Act; HR 948 - the Social Security Number Protection Act of 2007; HR 958 - The Data Accountability and Trust Act; HR 1525 - The Internet Spyware (I-SPY) Prevention Act of 2007; HR 936 - To prohibit fraudulent access to telephone records; S.495 - The Personal Data Privacy and Security Act of 2007; S.239 - The Notification of Risk to Personal Data Act of 2007; S.1202 - The Personal Data Protection Act of 2007; S.1178 The Identity Theft Prevention Act; S.1395 The Stop Unfair Practices in Credit Cards Act of 2007; H.R.4175 - Privacy and Cybercrime Enforcement Act of 2007; H.R.946 - Consumer Overdraft Protection Fair Practices Act; and H.R.5244 - Credit Cardholders' Bill of Rights Act of 2008.

Client expense: Not reported · Firm income: $25,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S 1395 "Stop Unfair Credit Card Practices" and HR 2146 "Universal Default Prohibition Act" - address concerns and educate on credit card pricing and marketing practices; HR 5546 and S 3086 "Credit Card Fair Fee Act" - educate on the role of interchange in the electronic payments network; HR 3221 "American Housing Rescue and Foreclosure Prevention Act" - legislation allowing FHA to guarantee "underwater" mortgages that have been discounted by the original lender; HR 1424 "Emergency Economic Stablilization Act" "Energy Improvement and Extension Act" and "Tax Extenders and Alternative Minimum Relief Tax Act" - legislation which, among other things, creates a new Treasury Dept. program for the purchase of illiquid assets; Hope Now - educate Administration and Congress on industry's response to crisis in mortgage lending including loan modification; Washington Mutual - provide information to Members of Congress regarding the acquisition of former Washington Mutual assets.

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

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

S 1395, Stop Unfair Practices in Credit Cards Act of 2007: entire bill. HR 5546, Credit Card Interchange Fees: banking. No specific bill number: Bear Sterns merger.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S. 1395, Stop Unfair Practices in Credit Cards Act, provisions relating to credit card practices H.R. 873, Credit Card Payment Fee Act of 2007, provisions relating to certain fees H.R. 1461, Credit Card Act, provisions relating to credit card practices H.R. 5244, Credit Cardholders' Bill of Rights Act of 2007, provisions relating to credit card practices HR. 2146, Universal Default Prohibition Act of 2007, provisions relating to risk based pricing S. 1309, Universal Default Prohibition Act of 2007, provisions relating to risk based pricing S. 1176, Credit Card Minimum Payment Warning Act of 2007, minimum payment disclosure requirements HR 1510, Credit Card Repayment Act of 2007, provisions relating to minimum payment disclosure requirements S. 1925, Student Credit Card Protection Act of 2007, underwriting standards for student cards H.R. 3347, Student Credit Card Protection Act of 2007, underwriting standards for student cards H.R. 3421, Credit Protection Act of 2007, disclosure provisions S. 2411, the Credit Card Safety Star Act of 2007, provisions to create a credit card rating system H.R. 5546, Credit Card Fair Fee Act of 2008, issues relating to credit card interchange rates Proposed revisions to Regulation Z regarding open-end credit plan disclosures S. 3086, Credit Card Fair Fee Act of 2008, issues relating to credit card interchange fees H.R. 6248, Credit Card Interchange Fee Act of 2008, issues relating to credit card interchange fees Proposed amendments to Regulation AA regarding certain unfair and deceptive acts and practices, issues relating to credit card terms and conditions H.R. 5988, the Fair and Justifiable Credit Card Interchange Fee Act of 2008, provisions relating to credit card interchange fees S2978/H.R. 4008, the Credit and Debit Card Receipt Clarification Act of 2008, provisions relating to printing of information on credit card receipts S. 3252, Credit Card Accountability Responsibility and Disclosure Act of 2008, issues relating to credit card terms and conditions S. 2753, the Credit Card Reform Act, issues relating to credit card terms and conditions Emergency Economic Stabilization Act, provisions to provide liquidity and stability to the financial markets H.R. 6620, Gas Pump Fair Payment Act of 2008, issues relating to credit card interchange fees H.R. 6618, Stop Deceptive Advertising of Gas Prices Act, issues relating to credit card fees

Client expense: $1,030,000 · Firm income: Not reported

Government targets: Executive Office of the President (EOP), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of, U.S. Postal Service (USPS)

Issues related to credit card use, interchange and their transactions including the following legislation: 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.1925 - Student Credit Card Protection Act of 2007; S.2411 - Credit Card Safety Star Act of 2007; S.2542 - Credit Card Minimum Payment Notification Act of 2008; S.2753 - Credit Card Reform Act of 2008; S.3086 - Credit Card Fair Fee Act of 2008 ; S.3252 - Credit Card Act of 2008; H.R.873 - Credit Card Payment Fee Act of 2007; H.R.1461 - Credit Card Act of 2007; H.R. 1510 - Credit Card Repayment Act of 2007; H.R. 2146 - Universal Default Prohibition Act of 2007; H.R.3347 - Student Credit Card Protection Act of 2007; H.R.3421 - Credit Protection Act of 2007; H.R.5244 - Credit Cardholders' Bill of Rights Act of 2008; H.R.5280 - Stop Unfair Practices in Credit Cards Act of 2007; H.R.5546 - Credit Card Fair Fee Act of 2008; H.R.5988 - Fair and Justifiable Credit Card Interest Rate Act of 2008; and H.R.6248 - Credit Card Interchange Fees Act of 2008.

Client expense: $340,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

General issues involving interchange fees, including H.R. 5546 (the Credit Card Fair Fee Act), S. 3086 (the Credit Card Fair Fee Act), H.R. 6248 (the Credit Card Interchange Fees Act of 2008), and H.R. 6620 (the Gas Pump Fair Payment Act), S. 3629 (the Consumer Credit Safety Commission Act) and H.R. 7258 (companion legislation to S. 3629); issues relating to payment card issuer practices, including provisions in S. 1395 (the Stop Unfair Practices in Credit Cards Act), H.R. 873 (the Credit Card Payment Fee Act), H.R. 2911 (the Electronic Funds Transfer Equal Consumer Protection Act), H.R. 2146 (the Universal Default Prohibition Act), H.R. 946 (the Consumer Overdraft Protection Fair Practices Act), H.R. 5244 (the Credit Cardholders Bill of Rights Act), S. 2753 (the Credit Card Reform Act), S. 2411 (the Credit Card Safety Star Act), and S. 3252 (the Credit Card Accountability Responsibility and Disclosure Act); issues pertaining to data security, customer notification of security breaches, and mitigation of harm resulting from security breaches, including provisions in S. 1178 (the Identity Theft Prevention Act), S. 239 (the Notification of Risk to Personal Data Act), S. 495 (the Personal Data Privacy and Security Act), H.R. 958 (the Data Accountability and Trust Act), and H.R. 3046 (the Social Security Number Privacy and Identity Theft Prevention Act); issues involving the use of payment cards in connection with Internet gambling, including H.R. 5767 (the Payment Systems Protection Act) and H.R. 6870 (the Payments System Protection Act); issues related to the use of payment cards in connection with the purchase of prescription medications over the Internet, including provisions in S. 980 (the Ryan Haight Online Pharmacy Consumer Protection Act), H.R. 6353 (companion legislation to S. 980), and S. 1082 (the Food and Drug Administration Revitalization Act); issues relating to the use of payment systems in connection with transactions infringing on intellectual property rights, including S. 3325 (the Prioritizing Resources and Organization for Intellectual Property Act) and H.R. 4279 (companion legislation to S. 3325); and issues related to retail theft, including H.R. 6491 (the Organized Retail Crime Act), and S. 3434 (companion legislation to H.R. 6491).

Client expense: Not reported · Firm income: $120,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 1257/S. 1181: Shareholder Vote on Executive Compensation Act H.R. 3185: 401K Fair Disclosure for Retirement Security Act S. 1395: Stop Unfair Practices on Credit Cards Act of 2007 H.R. 5244: Credit Cardholders Bill of Rights

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

Government targets: Agriculture, Dept of (USDA), Environmental Protection Agency (EPA), HOUSE OF REPRESENTATIVES, SENATE

Credit and Debit Card Receipt Clarification Act (HR 4008) Credit CARD Act of 2007 (S 3252/HR 1461) Credit Card Minimum Payment Warning Act of 2007 (HR 1176) Credit Card Payment Fee Act of 2007 (HR 873) Credit Cardholders Bill of Rights Act of 2008 (HR 5244) Credit Card Repayment Act of 2007 (HR 1510) Credit Protection Act of 2007 (HR 3421) Stop Unfair Practices in Credit Cards Act of 2007 (S 1395/HR 5280) Universal Default Prohibition Act of 2007 (S1309/HR 2146) Arbitration Fairness Act of 2007 (S 1782/HR 3010) Credit Card Reform Act of 2008 (S 2753)

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

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

S 1395, Stop Unfair Practices in Credit Cards Act of 2007, provisions relating to credit card issuer practices. HR 946, Consumer Overdraft Protection Fair Practices Act, provisions relating to debit card issuer practices. Disclosure and protection issues. HR 2829, Financial Services and General Government Appropriations Act of 2008, provisions relating to interchange rates. HR 5546 The Credit Card Fair Fee Act of 2008 - Provisions relating to Interchange S3086 The Credit Card Fair Fee Act of 2008 - Provisions relating to Interchange HR 6248 The Credit Card Interchange Fees Act - Provisions relating to Interchange HR 5244 The Cardholder's Bill of Rights - Provisions relating to card practices Regulatory issues in connection with pre-paid cards.

Client expense: $970,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, SENATE, State, Dept of (DOS), U.S. Trade Representative (USTR)

HR 698, S. 1356, Industrial Bank Holding Company Act--which deal with commercial ownership of banks. HR 873, Credit Card Payment Fees Act, HR 1461, Credit CARD Act, HR 5244, Credit Cardholder's Bill of Rights Act, S. 1395, Stop Unfair Practices Cards Act, S. 2753, Financial Consumer Protection Act, S. 3252 Credit CARD Act--which deal with credit practices and disclosures. HR 6248, Credit Card Interchange Fee Act, HR 6620, Gas Pump Fairness Act--which deal with interchange fees.

Client expense: $210,000 · Firm income: Not reported

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

S. 1395 - To prevent unfair practices in credit card accounts, and for other purposes. H.R. 1461 - To amend the Consumer Credit Protection Act to ban abusive credit practices, enhance consumer disclosures, protect underage consumers, and for other purposes. H.R. 3421 - Credit Protection Act S. 2411 - Credit Card Safety Star Act of 2007 H.R. 873 - To amend the Truth in Lending Act to prohibit fees by creditors for payments on credit card accounts by electronic fund transfers, and for other purposes. H.R. 5244 - Credit Cardholders' Bill of Rights Act of 2008 H.R. 5280 - Stop Unfair Practices in Credit Cards Act of 2007 - To prevent unfair practices in credit card accounts, and for other purposes. H.R. 5546 - Credit Card Fair Fee Act of 2008 S. 2753 - Credit Card Reform Act of 2008 - To protect consumers, and especially young consumers, from skyrocketing credit card debt, unfair credit card practices, and deceptive credit offers. S. 3086 - Credit Card Fair Fee Act. S. 3252 - Credit CARD Act of 2008

Client expense: Not reported · Firm income: $200,000

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 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.Con.Res. 312 - Budget resolution FY2009 Bill establishes the congressional budget for the Federal Government for fiscal year 2009, and sets forth appropriate budgetary levels for fiscal years 2010 through 2013. NSBA supported certain sections and amendments of the resolution. H.R. 25 - Fair Tax Act or 2007 Legislation to abolish the Internal Revenue Service and enacting a national sales tax. NSBA supported. H. R. 731 - National Small Business Regulatory Assistance Act of 2007 Bill would require the SBA to establish a program providing regulatory-compliance assistance to small businesses. NSBA supported. H.R. 1023 - Withholding Tax Relief Act of 2007 A bill to repeal a provision designed to increase federal tax revenue by $7 billion over ten years. Repeal the new mandatory 3 percent withholding requirement on all payments for goods and services made to federal, state and local contractors. NSBA supports. H.R. 1112 - Stealth Tax Relief Extension Act of 2007 The legislation increases the exemption from the alternative minimum tax for individual taxpayers in 2007 and extends through 2007 the allowance of certain nonrefundable tax credits against alternative minimum tax liability. NSBA supported. H.R. 1332 Small Business Lending Improvements Act of 2007 Bill would improve the access to capital programs of the SBA. NSBA supported. H.R. 1424 - Emergency Economic Stabilization Act of 2008 Bill addressed the expiration of popular tax provisions such as the AMT patch, research and development tax credits and various other credits and deductions designed to encourage renewable energies. NSBA supported. H.R. 1506 Fuel Economy Reform Act Measure would increase fuel economy standards for automobiles. NSBA supported. H.R. 1542 Healthy Families Act Bill to expand the Family Medical Leave Act (FMLA) to require that employers with 15 or more employees provide up to 7 paid sick-leave days to their employees. NSBA opposed. H.R. 1677 Taxpayer Protection Act of 2007 Bill gives IRS the right to deny information to tax preparers and lenders who might be contemplating predatory refund anticipation loans (RALs). It also includes provisions on the earned income tax credit and individual retirement accounts. NSBA supported. H.R. 1873 Small Business Fairness in Contracting Act of 2007 Bill would improve federal procurement opportunities for small businesses. NSBA supported. H.R. 2205/S. 1010 Retirement Security for Life Act To amend the Internal Revenue Code of 1986 to encourage guaranteed lifetime income payments from annuities and similar payments of life insurance proceeds at dates later than death by excluding from income a portion of such payments. NSBA supports retirement options for its employees, but NSBA has remained largely neutral on this proposal. H.R. 2380 - Death Tax Repeal Permanency Act of 2007 To make permanent the repeal of the estate tax after 2010. NSBA supported H.R. 2419 - Farm, Nutrition, and Bioenergy Act of 2007 Bill includes tax incentives for farms, energy and conservation initiatives. NSBA opposed certain revenue-offsets in the bill. H.R. 2727 Small Business SOX Compliance Extension Act It would extend the current exemption by at least one year for small businesses to comply with the Sarbanes-Oxley internal controls reporting requirements. NSBA supported. H.R. 3163 - The Healthy Americans Act Broad health care reform that includes an individual mandate, creation of state Health Help Agencies, subsidies for low-income individuals and changes tax-treatment of health care and health insurance expenditures. NSBA supported sections of the bill. H.R. 3170 Capital Gains and Estate Tax Relief Act of 2007 The bill permanently reduces the capital gains tax to 15 percent and the estate tax exemption will be $3.5 million in 2009 and will increase $250,000 per year until it reaches $5 million 2015. NSBA supported. H.R. 3221 - New Direction for Energy Independence, National Security, and Consumer Protection Act The bill provides economic aid to the housing industry and amend the Internal Revenue Code of 1986 to provide tax incentives for the production of renewable energy and energy conservation. NSBA opposed certain revenue-offsets in the bill. H.R. 3548 - Plain Language in Government Communications Act of 2007 Bill would establish plain language as the standard style for Government documents issued to the public, and for other purposes. NSBA supported. H.R. 3567 - the Small Business Investment Expansion Act of 2007 Bill would expand the ability of venture capital-owned businesses to participate in small-business programs. NSBA opposed. H.R. 3660 - Equity for Our Nations Self-Employed Act of 2007 Would allow self-employed individuals to fully-deduct the cost of their health insurance, thus eliminating the self-employed tax on health care. NSBA supported. H.R. 4008 - Credit and Debit Card Receipt Clarification Act of 2007 Bill provides technical corrections to the definition of willful noncompliance in regard to unintentional violations of the Fair Credit Reporting Act. NSBA supported. H.R. 4458 - the Small Business Regulatory Improvement Act Bill seeks to improve the Regulatory Flexibility Act and reduce the regulatory burden borne by Americas small businesses. NSBA supported. H.R. 5140 - Economic Stimulus Act of 2008 Bill provides economic stimulus through recovery rebates to individuals, incentives for business investment, and an increase in conforming and FHA loan limits. NSBA supported. H.R. 5244 - The Credit Cardholders Bill of Rights Bill would prohibit or reform various credit-card practices. NSBA supported. H.R. 5351 - Renewable Energy and Energy Conservation Tax Act Bill would extend a range of renewable energy tax incentives NSBA supported. H.R. 5402 - Climate Change Center and Clearinghouse Act of 2007 Bill would charge the SBA and EPA to co-chair an interagency working group across federal agencies and establish a clearinghouse of climate-change related information for small businesses. NSBA supported. H.R. 5719 - Taxpayer Assistance and Simplification Act of 2008 Bill amends the Internal Revenue Code of 1986 to conform return preparer penalty standards, delay implementation of withholding taxes on government contractors, enhance taxpayer protections, and assist low-income taxpayers. NSBA supported certain provisions of the measure. H.R. 5819 SBIR STTR Reauthorization Act Bill would reauthorize the Small Business Innovation Research (SBIR) program. NSBA supported. H.R. 6049 - Renewable Energy and Job Creation Act of 2008 Bill amends the Internal Revenue Code of 1986 to provide incentives for energy production and conservation, extend certain expiring tax provisions, and provide individual income tax relief. NSBA supported. H.R. 6210 Small Business Health Options Program Act of 2008 Amends the Public Health Service Act to establish a nationwide health insurance purchasing pool for small businesses and the self-employed that would offer a choice of private health plans and make coverage more affordable, predictable, and accessible. NSBA supported certain sections of the bill. H.R. 6214 Home Office Deduction Standardization Act of 2008 It amends the Internal Revenue Code to allow a taxpayer who uses a residence to conduct a trade or business a standard tax deduction equal to the lesser of $1,500 or the taxpayer's gross trade or business income derived from the business use of such residence. NSBA supported. H.R. 6275 - Alternative Minimum Tax Relief Act of 2008 Bill provides individuals temporary relief from the alternative minimum tax. NSBA supported bill, but opposed offsets. H.R. 6499 Sensible Tax Act of 2008 Beginning in 2009, the legislation would permanently exclude the first $2 million ($4 million for a couple) of an estates value from being subject to any tax and subsequently be adjusted for inflation. The measure would ensure that the surviving spouse is entitled to the $2 million to which the deceased spouse was entitled. NSBA supported. H.R. 6582 - Small Business CHOICE Act of 2008 To encourage the development of small business cooperatives for healthcare options to improve coverage for employees (CHOICE) including through a small business CHOICE tax credit. NSBA supports elements of this legislation to the extent it addresses rising health care cost and insurance availability for small business owners. However, NSBA maintains reservations about the use of cooperatives to achieve this. H.R. 6601 Small Business Tax Modernization Act of 2008 Bill creates a standard home office deduction, removes cell phones from listed property, allows nonresident aliens to be S corporation shareholders, increases the deduction for business meals and entertainment for qualified small businesses, and reduces the recovery period for depreciation of heating, ventilation, air conditioning, and refrigeration (HVACR) equipment. NSBA supported. H.R. 6633 - Employee Verification Amendment Act of 2008 To evaluate and extend the basic pilot program for employment eligibility confirmation and to ensure the protection of Social Security beneficiaries. NSBA supports the employment of legal employees, but remains cautious of mandating a system such as E-verify on small businesses owners due to burdensome administrative task, unwarranted penalties and historical technical errors with the E-verify system. H.R. 6983 - Paul Wellstone Mental Health and Addiction Equity Act of 2008 Would require health plans that offer mental health benefits to cover the same mental health and addiction disorders that are included in the Federal Employee Health Benefits Program (FEHBP). NSBA opposed. H.R. 7060 - Renewable Energy and Job Creation Tax Act of 2008 Bill includes an extension of individual and business tax provisions and energy tax incentives. NSBA supported. H.R. 7074 Home Office Tax Deduction Simplification Act Bill brings clarity to the process of claiming the tax deduction for a home office and directs the Secretary of Treasury to establish an optional standard deduction. NSBA supported. S.Con.Res. 70 - Bill establishes the congressional budget for the Federal Government for fiscal year 2009, and sets forth appropriate budgetary levels for fiscal years 2010 through 2013. NSBA supported certain sections and amendments of the resolution. S. 55 - Individual Alternative Minimum Tax Repeal Act of 2007 The measure repeals the alternative minimum tax on individuals. NSBA supported. S. 102 A bill to extend and expand relief from the alternative minimum tax and to repeal the extension of the lower rates for capital gains and dividends for 2009 and 2010. The legislation increases the exemption from the alternative minimum tax for individual taxpayers in 2007 and extends through 2007 the allowance of certain nonrefundable tax credits against alternative minimum tax liability. NSBA supported. S. 334 The Healthy Americans Act Broad health care reform that includes an individual mandate, creation of state Health Help Agencies, subsidies for low-income individuals and changes tax-treatment of health care and health insurance expenditures. NSBA supported sections of the bill S.558 Mental Health Parity Act of 2007 Legislation would require insurance companies to offer the same level of financial coverage for mental health care as they do for other medical care. NSBA opposed S. 777 Withholding Tax Relief Act of 2007 A bill to repeal a provision designed to increase federal tax revenue by $7 billion over ten years. Repeal the new mandatory 3 percent withholding requirement on all payments for goods and services made to federal, state and local contractors. NSBA supports. S. 910 Healthy Families Act Bill to expand the Family Medical Leave Act (FMLA) to require that employers with 15 or more employees provide up to 7 paid sick-leave days to their employees. NSBA opposed S. 1145 - The Patent Reform Act of 2007 Bill would provide comprehensive reform the U.S. patent system. NSBA opposed. S. 1395 - Stop Unfair Practices in Credit Cards Act Bill would prohibit or reform various credit-card practices. NSBA supported. S. 1617- Fuel Reduction using Electrons to End Dependence On the Mid-East (FREEDOM) Act Bill would provide incentives for the purchase of plug-in electric drive motor vehicles. NSBA supported. S. 1681 Family Medical Leave Insurance Act Legislation to create a fund that would provide up to eight weeks of paid family leave. Mandates employees and employers to fund the plan through payroll taxes. NSBA opposed. S. 1783 - Ten Steps to Transform Health Care in America Act A bill to provide 10 steps to transform health care in America. NSBA supports this legislation to the extent it offers a comprehensive perspective to reforming the health care system to make insurance more affordable for small business owners. However, NSBA opposes the across state line pooling which is included in this proposal. S. 1932 Bill would increase the expenditures for the Small Business Innovation Research and Small Business Technology Transfer programs. NSBA supported. S. 2291- Plain Language in Government Communications Act of 2007 Bill would establish plain language as the standard style for Government documents issued to the public, and for other purposes. NSBA supported. S. 2239 Equity for Our Nations Self-Employed Act of 2007 Would allow self-employed individuals to fully-deduct the cost of their health insurance, thus eliminating the self-employed tax on health care. NSBA supports. S. 2394 - Good Government Contractor Act of 2007 Bill would amend the Internal Revenue Code of 1986 to simplify, modernize, and improve public notice of and access to tax lien information by providing for a national, Internet accessible, filing system for Federal tax liens, and would also repeal the three percent withholding requirement. NSBA supports sections of this bill. S. 2612 - The Small Business Lending Stimulus Act of 2008, Bill would authorize additional funding for SBA lending program and cut borrowing and lending fees. NSBA supported. S. 2636 - Foreclosure Prevention Act of 2008 Bill provides housing reform and includes and extension of the net operating loss carryback rules to allow some money-losing businesses to get refunds of taxes paid during profitable years. NSBA supported. S. 2795 Small Business Health Options Program Act of 2008 Amends the Public Health Service Act to establish a nationwide health insurance purchasing pool for small businesses and the self-employed that would offer a choice of private health plans and make coverage more affordable, predictable, and accessible. NSBA supported certain sections of the bill. S. 2886 - Alternative Minimum Tax and Extenders Tax Relief Act of 2008 Bill amends the Internal Revenue Code to extend expiring provisions relating to the alternative minimum tax, individual and business taxpayers, energy conservation, and tax administration. NSBA supported. S. 2902 SBA Reauthorization and Improvements Act of 2008 Bill would reauthorize various parts of the Small Business Administration. NSBA supported. S. 3371 Home Office Deduction Simplification and Improvement Act of 2008 Bill brings clarity to the process of claiming the tax deduction for a home office and directs the Secretary of Treasury to establish an optional standard deduction. NSBA supported. S. 3406 ADA Amendments Act A bill to restore the intent and protections of the Americans with Disabilities Act of 1990. NSBA supports the intent of the ADA, but raised concerns over the potential for additional burdensome regulations being put on small businesses. S. 3408 Comparative Effectiveness Research Act of 2008 A bill to amend title XI of the Social Security Act to provide for the conduct of comparative effectiveness research and to amend the Internal Revenue Code of 1986 to establish a Comparative Effectiveness Research Trust Fund, and for other purposes. NSBA supports this legislation as a cornerstone to the framework of value-based purchasing and price transparency to consumer of health care services. S. 3554 - Affordable Coverage for Small Employers Act of 2008 A bill to provide employees of small employers with access to quality, affordable health insurance coverage. NSBA supports this legislation to the extent it offers a comprehensive low-income subsidies and tax incentive available to make insurance more affordable for small business owners.

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

Government targets: Centers For Medicare and Medicaid Services (CMS), Energy, Dept of, Environmental Protection Agency (EPA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Internal Revenue Service (IRS), Labor, Dept of (DOL), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of