Student Credit Card Protection Act of 2007

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

Client expense: $920,000 · 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 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.

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: $337,000 · Firm income: Not reported

The Foreclosure Prevention Act of 2008 (H.R. 3221) The Credit Card Bill of Rights Act of 2008 (H.R. 5244) Helping Families Save Their Homes in Bankruptcy Act of 2007 (S. 2136) Home Owners' Mortgage and Equity Savings Act (S. 2133) Mortgage Reform and Anti-Predatory Lending Act (H.R. 3915) Credit Card Safety Star Act of 2007 (S.2411) Student Credit Card Protection Act of 2007 (S.1925) Credit Card Minimum Payment Warning Act of 2007 (S.1176) Credit Card Fair Fee Act (H.R. 5546/ S.3086) The Emergency Economic Stabilization Act of 2008 (H.R. 3997)

Client expense: $1,420,179 · Firm income: Not reported

Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, Natl Economic Council (NEC), SENATE, Treasury, Dept of

The Foreclosure Prevention Act of 2008 (H.R. 3221) The Credit Card Bill of Rights Act of 2008 (H.R. 5244) Helping Families Save Their Homes in Bankruptcy Act of 2007 (S. 2136) Home Owners' Mortgage and Equity Savings Act (S. 2133) Mortgage Reform and Anti-Predatory Lending Act (H.R. 3915) Credit Card Safety Star Act of 2007 (S.2411) Student Credit Card Protection Act of 2007 (S.1925) Credit Card Minimum Payment Warning Act of 2007 (S.1176) Credit Card Fair Fee Act (H.R. 5546/ S.3086)

Client expense: $1,315,635 · Firm income: Not reported

Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, Natl Economic Council (NEC), SENATE, 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). 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.

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: $237,000 · Firm income: Not reported

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

S1925 and S1395 - general issue of credit card regulation HR5546 legislation to regulate interchange fee associated with debit/credit card HR946 Overdraft Fees HR3915 Mortgage Overhaul Act. HR5244 Legislation to regulate credit card practices and pricing.

Client expense: $640,000 · Firm income: Not reported

Government targets: Federal Communications Commission (FCC), HOUSE OF REPRESENTATIVES, SENATE

The Foreclosure Prevention Act of 2008 (H.R. 3221) The Credit Card Bill of Rights Act of 2008 (H.R. 5244) Helping Families Save Their Homes in Bankruptcy Act of 2007 (S. 2136) Home Owners' Mortgage and Equity Savings Act (S. 2133) Mortgage Reform and Anti-Predatory Lending Act (H.R. 3915) Credit Card Safety Star Act of 2007 (S.2411) Student Credit Card Protection Act of 2007 (S.1925) Credit Card Minimum Payment Warning Act of 2007 (S.1176)

Client expense: $2,717,838 · Firm income: Not reported

Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, Natl Economic Council (NEC), 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 Ptorection Act of 2007, underwriting standards for student cards H.R. 3347, Student Credit Card Ptorection 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 Issues relating to the proposed "Industrial Bank Holding Company Act"

Client expense: $770,000 · Firm income: Not reported

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 Ptorection Act of 2007, underwriting standards for student cards H.R. 3347, Student Credit Card Ptorection 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 Issues relating to the proposed "Industrial Bank Holding Company Act"

Client expense: $770,000 · Firm income: Not reported

H.R. 946, Consumer Overdraft Protection Fair Practices Act, overdraft loans should be subject to disclosure requirements under the Truth in Lending Act; consumer banking protections; direct debit cards; security freeze on bank accounts for exempt funds; deposit insurance; H.R. 2871, Payday Loan Reform Act of 2007, payday loan protections for consumers; predatory lending; H.R. 2885, Credit Repair Organizations Act, credit protections for consumers; S. 1925, Student Credit Card Protection Act of 2007, credit card regulation; H.R. 3316, Identity Theft Protection Act of 2007, credit report freeze; credit card interchange fees; credit reporting and scoring; S. 1395, Stop Unfair Practices in Credit Cards Act of 2007, credit card regulation

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

H.R. 946, Consumer Overdraft Protection Fair Practices Act, overdraft loans should be subject to disclosure requirements under the Truth in Lending Act; consumer banking protections; direct debit cards; security freeze on bank accounts for exempt funds; deposit insurance; H.R. 2871, Payday Loan Reform Act of 2007, payday loan protections for consumers; predatory lending; H.R. 2885, Credit Repair Organizations Act, credit protections for consumers; S. 1925, Student Credit Card Protection Act of 2007, credit card regulation; H.R. 3316, Identity Theft Protection Act of 2007, credit report freeze; credit card interchange fees; credit reporting and scoring; S. 1395, Stop Unfair Practices in Credit Cards Act of 2007, credit card regulation

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

S1925 and S1395 - general issue of credit card regulations Interchange fee associated with debit/credit cards HR946 - Overdraft Fees HR3915 - Mortgage Overhaul Act

Client expense: $962,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE