FHA Modernization Act of 2007

Legislation and oversight issues affecting housing, Government Sponsored Enterprises and, in particular, structure, operations and supervision of Federal Home Loan Banks. GSE legislation is H.R. 1427 and S. 1100; FHA reform is H.R. 1852 and S. 2338; foreclosure prevention is S. 2636; FHA mortgage refinancing is H.R. 5830; mortgage bankruptcy is H.R. 3609 and S. 2136; and subprime mortgage regulation is H.R. 3915 and S. 2452.

Client expense: Not reported · Firm income: $110,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Legislation and oversight issues affecting housing, Government Sponsored Enterprises and, in particular, structure, operations and supervision of Federal Home Loan Banks. GSE legislation is H.R. 1427, S. 1100, and H.R. 3221; FHA reform is H.R. 1852 and S. 2338; foreclosure prevention is S. 2636; FHA mortgage refinancing is H.R. 5830; mortgage bankruptcy is H.R. 3609 and S. 2136; and subprime mortgage regulation is H.R. 3915 and S. 2452.

Client expense: Not reported · Firm income: $110,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Oversight of SEC concerning regulation of broker dealers and hedge funds, and legislation affecting secondary mortgage market including FHA reform (H.R. 1852 and S. 2338); FHA mortgage refinancing (H.R. 5830); mortgage bankruptcy (S. 2136 and H.R. 3609); GSE reform (S. 1100 and H.R. 1427); and mortgage regulatory reform (H.R. 3915 and S. 2452).

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S. 2338, FHA Modernization Act of 2007. All Provisions. Modernizes the National Housing Act and enables the Federal Housing Administration to more effectively reach underserved borrowers. H.R. 3915, Mortgage Reform and Anti-Predatory Lending Act of 2007. All Provisions. Amends TILA to reform consumer mortgage practices and provide accountability for such practices H.R. 3609, Emergency Home Ownership and Mortgage Equity Protection Act of 2007. All Provisions. Amends title 11 of the United States Code with respect to modification of certain mortgages on principal residences, and for other purposes. H.R. 1427, Federal Housing Finance Reform Act of 2007. All Provisions. Reforms the regulation of certain housing-related Government-sponsored enterprises, and for other purposes. H.R. 5830, Expand and Preserve Home Ownership Through Counseling Act. All Provisions. Creates a voluntary FHA program that provides mortgage refinancing assistance to allow families to stay in their homes, protect neighborhoods, and help stabilize the housing market. S. 2888, Foreclosure Rescue Fraud Act of 2008. All Provisions. Protects the property and security of homeowners who are subject to foreclosure proceedings, and for other purposes.

Client expense: $649,000 · Firm income: Not reported

Government targets: Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE, Treasury, Dept of, Veterans Affairs, Dept of (VA), White House Office

S. 2338 FHA Modernization Act of 2007 H.R. 1852 Expanding American Homeownership Act of 2007 H.R.1424 Emergency Economic Stabilization Act of 2008 S. 2490 Reverse Mortgage Proceeds Protection Act H.R. 5758 Reverse Mortgage Proceeds Protection Act

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 3221/S. 2636, Foreclosure Prevention Act of 2008; S. 2338, FHA Modernization Act of 2007- legislation affecting the financial services industry H.R. 3185, The 401(k) Fair Disclosure for Retirement Security Act - 401(k) fee disclosures. H.R. 1424, Emergency Economic Stabilization Act of 2008

Client expense: Not reported · Firm income: $50,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 698/S. 2338, Industrial Bank Holding Company Act of 2007, ownership of Industrial Loan Companies by commercial entities.

Client expense: Not reported · Firm income: $50,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 1427, Federal Housing Reform Act of 2007 H.R. 3221, Foreclosure Prevention Act of 2008 S. 2338, FHA Modernization Act of 2007 S. 2391, GSE Mission Improvement Act

Client expense: Not reported · Firm income: $50,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 1427, Federal Housing Reform Act of 2007 H.R. 3221, Foreclosure Prevention Act of 2008 S. 2338, FHA Modernization Act of 2007 S. 2391 GSE Mission Improvement Act

Client expense: Not reported · Firm income: $50,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Funding for affordable housing for low income families; appropriations for affordable housing programs and disaster relief for housing in the Gulf Coast, Foreclosure Prevention and Neighborhood Stabilization Legislation (HR1852, HR3221, HR5720, S2133, S2136, S2338, S2636), For Ops Approp.(HR 2764); Millenium Challenge Corporation supplemental appropriations and legislation on slums and secure tenure

Client expense: $50,000 · Firm income: Not reported

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

HR 2347/S 1430 - To authorize state and local governments to direct divestments from, and prevent investments in, companies with investments of $20,000,000 or more in Iran's energy sector; Argentina debt default; S 970 - To impose sanctions on Iran and on Russia for assisting Iran in developing a nuclear program; HR 1427 - Federal Housing Finance Reform Act HR 2586 - Securities & Exchange Commission Authority Restoration Act of 2007 HR 1400 - To enhance United States diplomatic efforts with respect to Iran by imposing additional economic sanctions against Iran HR 3185 - The "401(k) Fair Disclosure for Retirement Security Act of 2007" HR 3765 - Defined Contribution Plan Fee Transparency Act of 2007 S 2473 - Defined Contribution Fee Disclosure Act of 2007 HR 3915 - Mortgage Reform & Anti-Predatory Lending Act HR 5579 - The Emergency Mortgage Loan Modification S 2133 - Homeowners' Mortgage and Equity Savings Act of 2007 S 2136 - Helping Families Save Their Homes in Bankruptcy Act of 2007 S 2338 - FHA Modernization Act of 2007 HR 1852 - Expanding American Homeownership Act of 2007 HR 6049/S 3125 - Renewable Energy and Job Creation Act S 3227 - Iran Sanctions Act of 2008 HR 6604 - Commodity Markets Transparency and Accountability Act HR 1424 - Emergency Economic Stability Act (EESA) Covered bonds Money market guarantee program Proxy access issues Securities regulation issues International reciprocity issues Executive compensation issues

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

Government targets: Commerce, Dept of (DOC), Education, Dept of, Federal Reserve System, Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), Office of Management & Budget (OMB), SENATE, Securities & Exchange Commission (SEC), State, Dept of (DOS), Treasury, Dept of, White House Office

S. 2338, FHA Modernization Act, support passage

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S. 2338, FHA Modernization Act of 2007, All provisions H.R. 1427, Federal Housing Finance Reform Act of 2007, All provisions S. 947, 21st Century Housing Act, All provisions H.R. 3221, Foreclosure Prevention Act of 2008, All provisions

Client expense: $1,710,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Executive Office of the President (EOP), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), Natl Security Council (NSC), SENATE, State, Dept of (DOS), Treasury, Dept of, U.S. Trade Representative (USTR)

S. 1100, the Federal Housing Finance Reform Act of 2007 (all provisions) S. 2338, the FHA Modernization Act of 2007 (all provisions) H.R. 964, the Spy Act (analysis) H.R. 1427, the Federal Housing Finance Reform Act of 2007 (all provisions) H.R. 1852, the Expanding American Homeownership Act of 2007 (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

S2338 Federal Housing Administration Reform S2338 HR1842 issue related to subprime mortgage market HR391 bill to increase cap on FHA home equity conversion mortgages. Legislation to expand FHA to assist consumers unable to continue their mortgage payments HR5830 legislation to require servicers to engage in certain loss mitigation efforts no bill #S2636 Foreclosure Prevention Act HR3221 legislation aimed at helping foreclosures HR5720 HR5579 loan modification/services Safe Harbor HR3221 - mortgage rescue legislation

Client expense: $580,000 · Firm income: Not reported

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

H.R. 1685 (Data Security Act of 2007) (Protect Information Relating to Consumers to Require Notice of Security Breaches); S. 1260 (Data Security Act); H.R. 958 (Data Accountability and Trust Act); S. 1202 (Personal Data Act of 2007); S. 239 (Notification of Risk to Personal Data Act of 2007); S. 495 (Personal Privacy Data and Security Act); S. 1178 (Identity Theft Prevention Act); H.R. 948 (Social Security Number Protection Act); H.R. 3915 (Mortgage Reform and Anti-Predatory Lending Act); S. 2452 (Homeownership Preservation Act); S. 1299 (Borrower's Protection Act of 2007) (Subprime Lending); S. 1208 (Social Security Account Number Protection Act); H.R. 3837 (Escrow, Appraisal and Mortgage Servicing Improvements Act); H.R. 3012 (Fair Mortgage Practices Act); S. 1926 (National Infrastructure Bank Act); H.R. 4178 (Emergency Mortgage Loan Modification Act); H.R. 5579 (Emergency Loan Modification Act of 2008); Servicer safe harbor for debt restructuring of residential mortgages; S. 2338 (FHA Modernization Act)/ H.R. 1852 (Expanding American Homeownership Act) : (FHA Reform); H.R. 1427 (Federal Housing Finance Reform)/ S. 1100 (Federal Housing Enterprise Regulatory Reform Act): (GSE Reform); H.R. 3648 (Mortgage Forgiveness Debt Relief Act of 2007 with Senate Amendment); S. 2517 (To amend the Internal Revenue Code of 1986 to provide that the proceeds of qualified mortgage bonds may be used to provide refinancing for subprime loans) (Mortgage revenue bonds); S. 1356 (Industiral Bank Holding Company Act); H.R. 698 (Industrial Bank Holding Company Act); S. 238 (Social Security Number Misuse Prevention Act); H.R. 5140 (Economic Stimulus Act of 2008, with Senate Amendment) (Economic Stimulus/MRBs/FHA & GSE Loan Limits); S. 2737 (Security Against Foreclosures and Education Act - "Safe Act"); S. 1691 (Social Security Number Online Protection Act); S. 2168 (Identity Theft Enforcement and Restitution Bill); H.R. 3046 (Social Security Number and Identity Theft Prevention Act); Federal Family Education Loan Program/Private Student Lending Secondary Market Issues; H.R. 2091(To amend the Internal Revenue Code of 1986 to allow bonds guaranteed by the Federal home loan banks to be treated as tax exempt bonds) (Federal Home Loan Bank bonds to tax exempt); S. 1963 (To amend the Internal Revenue Code of 1986 to allow bonds guaranteed by the Federal home loan banks to be treated as tax exempt bonds); Expanded FHA lending; H.R. 5679 (Foreclosure Prevention and Sound Mortgage Security Act); H.R. 3221 (Foreclosure Prevention Act) (GSE loan limits/FHA modernization and expansion/servicer safe harbor); H.R. 5723 (Emergency Student Loan Market Liquidity Act); S. 2847 (Emergency Student Loan Market Liquidity Act); H.R. 5715:PL 110-227 (To ensure continued availability of access to the Federal student loan program for students and families); S. 2815 (Strengthening Student Aid for All Act); H.R. 6659 (The Equal Treatment of Covered Bonds Act); EU Capital Requirements Directive; Federal Reserve Board Proposed Rule Reg AA (credit card practices).

Client expense: $1,320,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Education, Dept of, Executive Office of the President (EOP), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Internal Revenue Service (IRS), Labor, Dept of (DOL), Natl Economic Council (NEC), Natl Security Council (NSC), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of, U.S. Trade Representative (USTR), White House Office

Legislation: MMDA Sweep Account and legislation to repeal the prohibition on the payment of interest on deposits (H.R.41); Real estate brokerage and management (H.R.111, S.413); CTR reports for seasoned customers (H.R.323); College Student Relief Act of 2007 (H.R.5); Tax provisions of minimum wage bill (H.R.6,H.Res.261,H.Res.332,H.R.1591,H.R.2206,S.965); credit card fees and services legislation; Small Business Tax Relief Act (H.R.976); Credit Union Regulatory Improvement Act (H.R.1537,H.R.5519);.... Terrorism Risk Insurance Act extension (H.R.2761, H.R.4299, S.2285); CFIUS Reform (H.R.556); Community Development Investments (H.R.1066); Privacy (H.R.498, H.R.958, S.495, S.806, S.1178, S.1260); Executive Compensation (H.R.1257); PATRIOT Act (H.R.1314); SBA Disaster Loans (S.163, H.R.1361); GSE regulation (H.R.1427, S.1100); ILC holding company legislation (H.R.698, S.1356); Flood Insurance Reform (H.R.1682, H.R.3121, S.1890, H.R.3959); Catastrophe Savings Accounts (H.R.1787, S.927); Borrowers Protection Act (S.1299); Student Loan Legislation (S.486, S.511, S.1642, S.1762, H.R.890, H.R. 2669); SBA Reform (S.1256, H.R.1332); Treasury Department Appropriations (H.R.2829); Interstate Taxation (S.1726, H.R.5267); Sarbanes-Oxley Reform Legislation (H.R.1508); Regulatory Burden Relief (H.R.1869, H.R.6312, H.R.5841); FHA Reform (H.R.1852); The Farm Bill (H.R.2419, H.R.4193), FHA Reform bills (H.R.1852, S.2338); Mortgage Debt Tax Forgiveness (H.R.3648); AMT Reform (H.R.3996); "Do Not Call" List amendments (H.R.2601, H.R.3541); Bankruptcy Reform (H.R.3609, S.2136); Sub.Prime Loan Regulation (H.R.3915, S.2452); Unfair and Deceptive Acts or Practices Authority (H.R.3526); Identity Theft Legislation (S.2168); Appraisal and Escrow Legislation (H.R.3837); Rural Housing Bill (H.R.3873); Section 8 programs (H.R.3965); Dollar coin bill (H.R.3703); Tax Legislation (H.R.3970, H.R.3056, H.R.6275, H.R.6049, H.R.2886, H.R.5719, H.R.5720); SBA Lending (H.R.3866); Housing bills (H.R.2895); Overdraft Protection Bill (H.R.946); FHA Loan Size (H.R.1852); Lobbying Reform (S.1); Economic Stimulus (H.R.5140, S.2636, H.R.3221); Credit Card Practices (H.R.5244); Bankruptcy (S. 2636, H.R.3609, H.R.4044, S.2136); Foreclosure Legislation (H.R.3221, H.R.5830, H.R.5818, H.R.5579); Interchange Fee Controls (H.R.5546, S.3086); Student Loan Legislation (H.R. 5715, S. 2815); Internet Gambling Legislation (H.R.5767); Retirement Account Fee Disclosure (H.R.3185); Arbitration Clause Restrictions (H.R.3010; H.R.5312); Money Services Business Regulation (H.R.4049); Emergency Economic Stabilization Act (H.R.1424); Military Bankruptcy (S.3197); Pension Fund Reform (H.R.7327). Regulation: Community Reinvestment Act regulations; Subprime Mortgage Lending; SEC and PCAOB Sarbanes-Oxley regulations and guidance; Regulatory Burden Relief Regulations; Deposit Insurance Regulations; SBA Regulations; Federal Reserve Board's Regulation Z (Truth-in-Lending); Fed-SEC Regulation R; Garnishment of Exempt Funds regulation; FACT Act Regulations; FDIC Audit and reporting regulations; Capital Requirements (Basel II); IRS Trust Tax Regulations; Internet gambling regulations; Small bank examination rules; FinCen Rules on Foreign Banking Relationships; SEC Risk-based auditing standard; Money Laundering Regulations, Financial Institution Regulatory Restructuring; SEC Credit Rating Agency Reforms; Unfair and Deceptive Acts or Practices Regulations; Risk-Based Pricing Notices; Home Valuation Code of Conduct Appraisal Rules; Guidance on HELOC reductions; Best Practices for Residential Covered Bonds; FRB Reg. S (privacy); HUD RESPA Regulations; Money Market Fund Guaranties; Fannie Mae/Freddie Mac Conservatorship; SEC Short-Selling Rules; FASB Fair Value Accounting Regs; Auction-Rate Securities Rules; Timing of FASB/SEC Rules; FDIC Deposit Insurance Coverage Regulations; Truth-in-Savings Regulations; Risk Weighting of capital standards; Interest on Reserve Requirements; FDIC Restoration Plan; Deposit and Debt Guarantee Program; Guaranty Program for Troubled Assets; Capital Purchase Program; Hope for Homeowners Program; Overdraft Regulations; Currency Transaction Report Exemptions. #17. (continued from previous page) Public Company Accounting Oversight Board

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

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Financial Crimes Enforcement Network (FinCEN), 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. 2338, FHA Modernization Act of 2007. All Provisions. Modernizes the National Housing Act and enables the Federal Housing Administration to more effectively reach underserved borrowers. H.R. 3915, Mortgage Reform and Anti-Predatory Lending Act of 2007. All Provisions. Amends TILA to reform consumer mortgage practices and provide accountability for such practices H.R. 3609, Emergency Home Ownership and Mortgage Equity Protection Act of 2007. All Provisions. Amends title 11 of the United States Code with respect to modification of certain mortgages on principal residences, and for other purposes. H.R. 1427, Federal Housing Finance Reform Act of 2007. All Provisions. Reforms the regulation of certain housing-related Government-sponsored enterprises, and for other purposes. H.R. 5830, Expand and Preserve Home Ownership Through Counseling Act. All Provisions. Creates a voluntary FHA program that provides mortgage refinancing assistance to allow families to stay in their homes, protect neighborhoods, and help stabilize the housing market. S. 2888, Foreclosure Rescue Fraud Act of 2008. All Provisions. Protects the property and security of homeowners who are subject to foreclosure proceedings, and for other purposes.

Client expense: $649,000 · Firm income: Not reported

Government targets: Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE, Treasury, Dept of, Veterans Affairs, Dept of (VA), White House Office

See Addendum S. 238, "Social Security Number Misuse Prevention Act". S. 239, Notification of Risk to Personal Data Act of 2007. S. 495, Personal Data Privacy and Security Act of 2007. S. 1178, The Identity Theft Prevention Act of 2007. S. 1202, "Personal Data Protection Act of 2007". S. 1260, "Data Security Act of 2007". S. 2338, "FHA Modernization Act of 2007". S. 2452, "Home Ownership Preservation and Protection Act of 2007" (provision relating to assignee liability). S. 2794, "Senior Investor Protection Act of 2008". S. 3268, "Stop Excessive Energy Speculation Act of 2008". H.R. 948, "Social Security Number Misuse Prevention Act". H.R. 1424, Division A - "Emergency Economic Stabilization Act", became Public Law No. 110-343. H.R. 1685, "Data Security Act of 2007". H.R. 3046, "Social Security, Number Privacy and Identity Theft Prevention Act of 2007". H.R. 3221, "Housing and Economic Recovery Act of 2008", Became P.L. 110-289. H.R. 3225, "Mutual Fund Fee Reform Act". H.R. 3915, "Mortgage Reform and Anti-Predetory Lending Act of 2007", Section 204 (provision related to assignee liability). H.R. 6604, "Commodity Markets Transparency and Accountability Act of 2008". SEC Review of Rule 12b-1. SEC Review of soft dollar arrangements under Sections 28(e) of the Exchange Act. SEC Proposed Rule, "Enhanced Disclosure and New Prospectus Delivery Options for Registered Open-End Management Investment Companies", Release No. 33-8861 (11/21/07). SEC Proposed Rule 151A, "Indexed Annuities and Certain Other Insurance Contracts", Release No. 33-8933 (6/25/08). Department of Treasury, "Blueprint for a Modernized Financial Regulatory Structure" (3/3/08) Recommendation to the Secretary of Treasury that the Treasury Department establish an "Office of Insurance Information", no bill number. Treasury Capitol Purchase Program under the Emergency Economic Stablization Act.

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

Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of, White House Office

H.R. 3915 Mortgage Reform and Anti-Predatory Lending Act of 2007; S. 2338 FHA Modernization Act of 2007

Client expense: $370,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), Office of Management & Budget (OMB), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of, White House Office

S 2636 - Foreclosure Prevention Act of 2008 HR 1852 - Expanding American Homeownership Act of 2007 S 2338 - FHA Modernization Act of 2007 S 1100 - Federal Housing Enterprise Regulatory Reform Act of 2007 HR 3221 - American Housing Rescue and Foreclosure Prevention Act of 2008

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S 2636 - Foreclosure Prevention Act of 2008 HR 1852 - Expanding American Homeownership Act of 2007 S 2338 - FHA Modernization Act of 2007 HR 3221 - American Housing Rescue and Foreclosure Prevention Act of 2008 HR 1424 - Emergency Economic Stabilization Act of 2008

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S 2636 - Foreclosure Prevention Act of 2008 FHA Expansion HR 1852 - Expanding American Homeownership Act of 2007 S 2338 - FHA Modernization Act of 2007 S 1100 - Federal Housing Enterprise Regulatory Reform Act of 2007

Client expense: Not reported · Firm income: $45,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

FHA reauthorization, S. 2338 and related House and Senate legislation

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Banks in Real Estate; RESPA HR 111/S 413 Community Choice in Real Estate Act; S 2338 FHA Modernization Act of 2007 S 3260 Financial Services and General Government Appropriations Act, 2009

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

Government targets: Centers For Medicare and Medicaid Services (CMS), Executive Office of the President (EOP), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE

RESPA; Banks in Real Estate HR 111/S 413 Community Choice in Real Estate Act S 2338 FHA Modernization Act of 2007 S 3260 Financial Services and General Government Appropriations Act, 2009

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

Government targets: Centers For Medicare and Medicaid Services (CMS), Executive Office of the President (EOP), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE

S 1356, Industrial Bank Holding Company Act of 2007 S 1405, Communities First Act HR 3012, Fair Mortgage Practices of 2007 HR 1852, Expanding American Homewonership Act of 2007 HR 1869, Communities First Act HR 1537, Credit Union Regulatory Improvement Act of 2007 HR 5519 Credit Union Regulatory Relief Act HR 1849, Credit Union Small Business Lending Act HR 2727, Small Business SOX Compliance Extension Act HR 1332, Small Business Lending Improvements Act of 2007 HR 873, Credit Card Payment Fee Act of 2007 HR 946, The Consumer Overdraft Protection Fair Practices Act of 2007 HR 323, Seasoned Customer CTR Exemption Act of 2007 HR 3915, Mortgage Reform and Anti-Predatory Lending Act of 2007 HR 3778 Home Owners Mortgage and Equity Savings Act HR 1550, Regulatory Relief and Fairness Act HR 2895, National Affordable Housing Trust Fund Act of 2007 HR 1967, Financial Privacy Notice Relief Act of 2007 HR 3609, Emergency Home Ownership and Mortgage Equity Protection Act HR 3506 Foreclosure Tax Relief Act S 1100, Federal Housing Enterprise Regulatory Reform Act of 2007 S 947, 21st Century Housing Act S 1299, Borrowers Protection Act of 2007 S 2452, Homeownership Preservation and Protection Act of 2007 S 2338, FHA Modernization Act of 2007 S. 2136, Helping Families Save Their Homes in Bankruptcy Act S. 2133, Home Owners Mortgage and Equity Savings Act S 2636 Foreclosure Prevention Act of 2008 S 413, Community Choice in Real Estate Act HR 5244, Credit Cardholder's Bill of Rights Act of 2008 HR 5546, Credit Card Fair Fee Act of 2008 HR 3221, American Housing and Foreclosure Prevention Act of 2008 HR 5841, Bank and Thrift Regulatory Relief Act of 2008 HR 6312, Credit Union, Bank and Thrift Regulatory Relief Act of 2008 S 1145, Patent Reform Act of 2007 S 3086, Credit Card Fair Fee Act of 2008 S Credit Card Accountability, Responsibility, and Disclosure Act S 2753 Credit Card Reform Act of 2008 HR 6248, Credit Card Interchange Fees Act of 2008 Credit Card Protections and Disclosures Credit Card/Debit Card Interchange Fees Deposit Concentration Cap Federal Home Loan Bank System Issues ILC Applications by Commercial Companies Overdraft Protection Programs Predatory Lending Issues Regulation of Industrial Loan Corporation Holding companies Regulatory Relief Relief from Securities Law Requirements for Small Companies Sarbanes-Oxley Act Relief for Community Banks Separation of Banking and Commerce Subprime Lending Housing GSEs HR 6871, Expedited Funds Availability Dollar Limits Adjustment Act of 2008 Payments Systems Expedited Funds Availability Act Amendments Real Estate Settlement Procedures Act (RESPA) regulations Fair Value Accounting (Mark to Market Accounting) SFAS 157, Fair Value Measurements HR 1424, Emergency Economic Stabilization Act HR 2638, Consolidated Security, Disaster Assistance, and Continuing Appropriations Act, 2009 Flood Insurance Housing Assistance Tax Act of 2008 Deposit Insurance Premiums Bank Examinations Financial Services Regulatory Structure Implementation of Housing and Economic Recovery Act of 2008 (Hope for Homeowners Program) Conservatorship of Fannie Mae/Freddie Mac Bank Capital Rules Money Market Mutual Fund Temporary Guaranty Program Community bank access to Troubled Asset Relief Program

Client expense: $1,230,000 · Firm income: Not reported

Government targets: Export-Import Bank of the United States (EXIM Bank), Farm Credit Administration, Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), President of the U.S., SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, White House Office

Please see addendum H.R. 1537, Credit Union Regulatory Improvements Act, all provisions H.R. 890, Student Loan Sunshine Act, all provisions H.R. 41, The Business Checking Fairness Act of 2007, all provisions H.R. 1869 and S. 1405, Communities First Act, all provisions H.R. 958, Data Accountability and Trust Act, all provisions S. 1178, Identity Theft Protection Act, all provisions S. 1260, Data Security Act, all provisions H.R. 111 and S. 4131, The Community Choice in Real Estate Act, all provisions H.R. 946, Consumer Overdraft Protection Practices Act, all provisions H.R. 3915, Mortgage Reform and Anti-Predatory Lending Act of 2007, all provisions H.R. 1427, Federal Housing Finance Reform Act, all provisions S. 1100, Federal Housing Enterprise Regulatory Reform Act, all provisions H.R. 1852, Expanding American Homeownership Act, all provisions S. 2338, Federal Housing Administration Modernization Act, all provisions Financial Services Regulatory Relief Issues H.R. 1289, Community Reinvestment Modernization Act, all provisions H.R. 323, Seasoned Customer CTR Exemption Act, all provisions H.R. 2046, Internet Gambling Regulation and Enforcement Act of 2007, all provisions H.R. 5244, Credit Cardholders' Bill of Rights Act of 2008, all provisions H.R. 5519, Credit Union Regulatory Relief Act, all provisions H.R. 5546, Credit Card Fair Fee Act of 2008, all provisions H.R. 5767, Payment Systems Protection Act, all provisions Nomination of Steven Preston to be Secretary of Housing and Urban Development H.R. 5841, Bank and Thrift Regulatory Relief Act, Title I, Title II (Sections 202,204) Title III, Title IV (section 405) H.R. 5140, Economic Stimulus Act of 2008, Title II H.R. 946, Consumer Overdraft Protection Act, all provisions H.R. 3221, Housing Rescue and Foreclosure Prevention Act, all provisions H.R. 5830, FHA Housing Stabilization and Homeownership Retention Act, all provisions H.R. 6312, Credit Union, Bank and Thrift Regulatory Relief Act, Title I, Title II (sections 202, 204), Title III, Title IV (section 405), all provisions S. 2957, Credit Union Regulatory Improvements Act, all provisions S. 3086, Credit Card Fair Fee Act, all provisions Nomination of Michael Fryzel to be a member of the NCUA Board H.R. 6870, The Payment System Protection Act, all provisions H.R. 3997, Emergency Economic Stablization Act, House Amendment to the Senate Amendment to the House Amendment to the Senate Amendment, Title I, Sections 101-135, related to the Troubled Asset Recovery Program. H.R. 1424, Emergency Economic Stabilization Act, Senate Amendment 5685, Title I, Sections 101-135, related to the Troubled Asset Recovery Program and Section 136, related to the National Credit Union Share Insurance Fund. S. 2284, Flood Insurance Reform and Modernization Act of 2007, all provisions S. 3787, Protecting Consumers from Unreasonable Credit Rates Act of 2008, all provisions S. 3632, Fostering American Independence from Regressive and Abusive Credit Transactions Act of 2008, section 2

Client expense: $746,324 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Natl Credit Union Administration (NCUA), SENATE, Small Business Administration (SBA), White House Office

Rural Housing Preservation; H.R. 5140: Economic Stimulus Act of 2008; H.R. 2895/S. 2523: National Affordable Housing Trust Fund Act of 2007; H.R. 1851: Section 8 Voucher Reform Act of 2007; Low-Income Housing Tax Credit Legislation; VA Loan Guarantee Program; Affordable Housing Investment Act; H. R. 1852/S. 2338: Expanding American Homeownership Act of 2007; H.R. 3915/S. 2452: Mortgage Reform and Anti-Predatory Lending Act of 2007; H.R. 3609: Emergency Home Ownership and Mortgage Equity Protection Act of 2007; S. 2136: Helping Families Save Their Homes in Bankruptcy Act of 2007; H.R. 3221: American Housing Rescue and Foreclosure Prevention Act of 2008; Renewable Energy and Energy Conservation Act; HR 6078 GREEN Act; H.R. 1424 Economic Stabilization Act of 2008; H.R. 6694 FHA Seller-Financed Downpayment Reform and Risk-Based Pricing Authorization Act of 2008

Client expense: $740,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Army, Dept of (Corps of Engineers), Commerce, Dept of (DOC), Council on Environmental Quality (CEQ), Education, Dept of, Energy, Dept of, Environmental Protection Agency (EPA), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Interior, Dept of (DOI), Justice, Dept of (DOJ), Labor, Dept of (DOL), Occupational Safety & Health Administration (OSHA), SENATE, Transportation, Dept of (DOT), Treasury, Dept of, U.S. Trade Representative (USTR), White House Office

HR 3548 Plain Language in Government Communications Act - Provisions related to detering predatory lending practices and helping to protect older homeowners from foreclosure. HR 5818 Neighborhood Stablization Act - Lobbied to help prevent older homeowners from losing their homes to foreclosure. . S 2636 Foreclosure Prevention Act of 2008 - All provisions in Title IV related to allowing bankruptcy judges to restructure subprime mortgage debt for primary residences; lobbied the bill to help prevent older homeowners from losing their homes to foreclosure HR 3609 Emergency Home Ownership and Mortgage Equity Protection Act of 2007- Provisions related to allowing judges to modify the terms of mortages in bankruptcy to reduce foreclosures. S. 2684 Section 8 Voucher Reform Act of 2008 - Provisions related to stabilizing the funding formula for Section 8 Vouchers to provide more affordable housing options for our members and their families. HR 5758/S. 2490 Reverse Mortgage Proceeds Protection Act - Supported passage of this bill and House companion bill to better prevent reverse mortgage borrowers from fraud and abuse. HR 1852/S 2338 Expanding American Homeownership - Lobbied to expand the FHA-insured reverse mortgage program while limiting origination fees charged by lenders. HR 3221 Housing and Economic Recovery Act - discussed the implementation of the bill. HR 6076 Home Retention and Economic Stabilization Act of 2008 - Lobbied for a foreclosure deferral to help members workout loans in default or refinance into new loans. S 3261 Transportation and HUD Appropriations - Lobbied for affordable housing assistance spending including section 202-housing for the elderly program. HR 6033 Home-Based Health Services Job Training and Caregiving Act of 2008 - Lobbied to expand the bill to cover more types of housing and to ensure the competitive nature of the grants program, as well as other changes to the bill. S 2490 Reverse Mortgage Proceeds Protections Act - Lobbied to increase protections for Home Equity Conversion Mortgage loan recipients. HR 3997/HR 1424 - Emergency Economic Stabilization Act - Lobbied to include provisions to assist troubled homeowners, including the ability for bankruptcy judges to modify primary mortgage debt.

Client expense: $6,870,000 · Firm income: Not reported

Government targets: Administration on Aging, Commerce, Dept of (DOC), Equal Employment Opportunity Commission (EEOC), Federal Communications Commission (FCC), Federal Reserve System, Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Internal Revenue Service (IRS), SENATE, Social Security Administration (SSA), Treasury, Dept of, White House Office

HR 1752 (Financial Statements Audits for FHA Lenders/Mortgage Brokers), HR 1852 (Financial Statements Audits for FHA Lenders/Mortgage Brokers), S 2338 (FHA Modernization Act), Audit issues of interest to the AICPA's Governmental Audit Quality Center, S. 2325 (Financial Statement Audits for FHA Lenders/Mortgage Brokers), H.R. 6254 (Temporary Participation of FHA Mortgage Brokers/Lenders), HUD Proposal to Establish an Independent Public Accountant Roster HR 1452 (Financial Statement Audits for FHA Lenders/Mortgage Brokers), HR 6790 (Financial Statement Audits for FHA Lenders/Mortgage Brokers), HR 3221 (Financial Statement Audits for FHA Lenders/Mortgage Brokers), HR 6790 (Financial Statement Audits for FHA Lenders/Mortgage Brokers)

Client expense: $1,105,858 · Firm income: Not reported

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

Social Security Number protection and misuse - HR5234, HR3046, S1208, S2915 FHA Reorganization Act, Alternative data issues - HR1852, S2338, HR3221 Identity theft prevention, Consumer security freeze, Security breach - HR3316, S806, S1178, S1260, HR4791, S239 Credit Repair Organization Act. Consumer protection for users of credit monitoring servcies - HR 2885 Military Services Deployment Act. Notation into active duty servicemen's credit file that they are on duty - HR513 E-Verify - HR 4088 Nondiscriminatory Use of Consumer Reports and Consumer Information Act, Use if consumr reports in connection with personal lines of insurance - HR 5633 Mortgage Credit Repair Act, Credit scores effected by subprime and ARM loans - HR 7267

Client expense: $130,000 · Firm income: Not reported

Government targets: Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, SENATE

Regulation of government-sponsored housing enterprises, including HR 1427, the "Federal Housing Finance Reform Act of 2007;" and S 1100, the "Federal Housing Enterprise Regulatory Reform Act of 2007." Regulation of predatory lending, including HR 3915, the "Mortgage Reform and Anti-Predatory Lending Act of 2007," S 2452, the "Home Ownership Preservation and Protection Act of 2007," and HR 3221, the "American Housing Rescue and Foreclosure Prevention Act of 2008." Modernization of Federal Housing Administration programs, including HR 1852, the "Expanding American Homeownership Act of 2007," S 2338, the "FHA Modernization Act of 2007," and HR 3221, the "American Housing Rescue and Foreclosure Prevention Act of 2008." Modification of residential mortgages.

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

Government targets: Federal Deposit Insurance Corporation (FDIC), HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

S. 2338, FHA Modernization Act of 2007. All Provisions. Modernizes the National Housing Act and enables the Federal Housing Administration to more effectively reach underserved borrowers. H.R. 3915, Mortgage Reform and Anti-Predatory Lending Act of 2007. All Provisions. Amends TILA to reform consumer mortgage practices and provide accountability for such practices H.R. 3609, Emergency Home Ownership and Mortgage Equity Protection Act of 2007. All Provisions. Amends title 11 of the United States Code with respect to modification of certain mortgages on principal residences, and for other purposes. H.R. 1427, Federal Housing Finance Reform Act of 2007. All Provisions. Reforms the regulation of certain housing-related Government-sponsored enterprises, and for other purposes. H.R. 5830, Expand and Preserve Home Ownership Through Counseling Act. All Provisions. Creates a voluntary FHA program that provides mortgage refinancing assistance to allow families to stay in their homes, protect neighborhoods, and help stabilize the housing market. S. 2888, Foreclosure Rescue Fraud Act of 2008. All Provisions. Protects the property and security of homeowners who are subject to foreclosure proceedings, and for other purposes.

Client expense: $649,000 · Firm income: Not reported

Government targets: Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE, Treasury, Dept of, Veterans Affairs, Dept of (VA), White House Office

H.R. 3915 - Mortgage Reform and Anti-Predatory Lending Act of 2007 - Title I: Residential Mortgage Loan Origination - Subtitle A: Licensing System for Residential Mortgage Loan Originators - Encourages the states, through the Conference of State Bank Supervisors and the American Association of Residential Mortgage Regulators, to establish a Nationwide Mortgage Licensing System and Registry (NMLSR) for the residential mortgage industry. H.R. 2895 - National Affordable Housing Trust Fund Act of 2007 - Amends the Cranston-Gonzalez National Affordable Housing Act to establish in the Treasury the National Affordable Housing Trust Fund (Fund). Declares that: (1) the Fund shall consist of certain amounts of the Federal National Mortgage Association and the Federal Home Loan Mortgage Corporation transferred to the Fund under specified law, including Federal Housing Administration (FHA) savings; and (2) all assistance provided from the Fund shall be considered to be federal financial assistance. H.R. 5818 - Neighborhood Stabilization Act of 2008 - Directs the Secretary of Housing and Urban Development (HUD) to make grants and loans to qualified states, metropolitan cities, and urban counties, in accordance with HUD-approved plans, to carry out eligible housing stimulus activities. H.R. 6521 - The Federal Housing Finance Regulatory Reform Act (FHA Housing Stabilization & Homeownership Retention Act) would permit FHA to provide [up to $300 billion] in new guarantees that would help to refinance at-risk borrowers into viable mortgages. When the borrower sells the home or refinances the loan, the borrower will pay from any profits the higher of (1) an ongoing exit fee equal to 3 percent of the original FHA loan balance; or (2) a declining percentage of any profits (e.g., from 100 percent in year one to 20 percent in year five and 0 thereafter). After year five only the 3 percent exit fee will apply. H.R. 6694 - The FHA Seller-Financed Downpayment Reform and Risk-Based Pricing Authorization Act of 2008 would revise the requirements for seller-financed downpayments for mortgages for single-family housing insured by the Secretary of Housing and Urban Development under title II of the National Housing Act and to authorize risk-based insurance premiums for certain mortgagors under such mortgages. S. 1299 - Borrower's Protection Act of 2007 - Amends the Truth in Lending Act to deem a mortgage broker, in the case of a home mortgage loan, to have a fiduciary relationship with the consumer. Subjects each such mortgage broker to all federal and state requirements for fiduciaries. S. 2338 - FHA Modernization Act of 2007 (Building American Homeownership Act of 2007) - Amends the National Housing Act to: (1) modify requirements for the maximum principal loan obligation, changing one element in the formula from 95% to 100% of the median one-family house price in the area; and (2) limit the principal loan obligation to 100% of the appraised value of the property. Amends the National Housing Act to revise eligibility criteria for cash down payment for Federal Housing Administration (FHA) mortgage insurance. Reduces such payment from the current 3% to 1.5% of the appraised value of the property. S. 2595 - The Secure and Fair Enforcement for Mortgage Licensing Act of 2008 would require licensing for loan originators on a national level as well as state level. HUD RESPA Proposal - C.A.R. is opposing this specific RESPA Reform proposal because of concerns that it goes beyond the original scope of the proposal, the timing of the provisions, and targeted comments that seem to be directed at specific at volume discounts, average cost pricing, price tolerances, a new definition of "required use", and a new "closing script" which must be read aloud at closing. C.A.R. sent a comment letter to the California Congressional delegates concerning the need for an economic stimulus package that included: An extension of the GSE and FHA loan limits at their current 2008 levels, removing the payback requirement for the $7,500 first-time homebuyer tax credit and allowing buyers to utilize these funds at the time of home purchase at no additional cost, preserving the ability for creditworthy homebuyers to receive seller-funded downpayment assistance, and preventing unscrupulous foreclosure consultants from preying upon uninformed and vulnerable homeowners. Additionally, lenders participating in the Troubled Assets Relief Program (TARP) should be required to extend credit down to Main Street (making credit more available to consumers and small businesses), expedite the process for short sales, and expedite the resolution of banks real estate owned (REO) properties.

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

Government targets: Federal Communications Commission (FCC), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), SENATE, Treasury, Dept of

S. 1078, Housing America's Workforce Act. Home ownership incentives. H.R. 1850, Housing America's Workforce Act. Home ownership incentives.Monitor public housing legislation, exit tax legislation; H.R. 1424, Emergency Economic Stabilization Act; housing provisions and funding. H.R. 2893, Homeownership Affordability Act of 2007. Home ownership incentives. H.R. 1752, Expanding American Homeownership Act of 2007. Home ownership incentives. H.R. 1852, Expanding American Homeownership Act of 2007. Home ownership incentives. S. 829, HOPE VI Improvement and Reauthorization Act of 2007. Home ownership incentives. H.R. 1851, Section 8 Voucher Reform Act of 2007. Home ownership incentives. S. 788, Moving to Work Charter Program Act of 2007. Home ownership incentives. Monitor BRAC process for facility in Portland - no specific legislation at this time. H. R. 3221, Building American Homeownership Act of 2008, S. 2338, FHA Modernization Act of 2007, S. 2636, Foreclosure Prevention Act of 2008.

Client expense: Not reported · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Monitor affordable housing legislation. H.R. 2895, National Housing Trust Act, H.R. 3915, The Mortgage Reform and Anti-Predatory Lending Act. H. R. 3221, Building American Homeownership Act of 2008, S. 2338, FHA Modernization Act of 2007, S. 2636, Foreclosure Prevention Act of 2008, H.R. 1852, Expanding American Home Ownership Act.

Client expense: Not reported · Firm income: $50,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Monitor Federal Housing Finance Reform, Affordable Housing, Section 8 vouchers, GSA and homeless funding, development , exit tax legislation, H.R. 3915, The Mortgage Reform and Anti-Predatory Lending Act, veterans housing and workforce housing; Residual receipts legislation, Monitor housing legislation (CDBG) for impact on municipalities. H. R. 3221, Building American Homeownership Act of 2008, S. 2338, FHA Modernization Act of 2007, S. 2636, Foreclosure Prevention Act of 2008, H.R. 1852, Expanding American Home Ownership Act, H.R. 2895, National Affordable Housing Trust Fund Act of 2007, S. 2523, National Affordable Housing Trust Fund Act of 2007; monitor for impact on cities.

Client expense: Not reported · Firm income: $50,000

Government targets: Federal Transit Administration (FTA), HOUSE OF REPRESENTATIVES, SENATE

H.R.1852, Expanding American Homeownership Act of 2007, Homebuyer mortgage assistance related issues. S.2338, FHA Modernization Act of 2007, Homebuyer mortgage assistance related issues. H.R.5140, Economic Stimulus Act of 2008, FHA issues. H.R.3221/S.2636, Foreclosure Prevention Act of 2008, FHA issues. S.3261, Transportation, Housing and Urban Development, and Related Agencies Appropriations Act, FY2009, Housing issues. H.R. 6694, FHA Seller-Financed Downpayment Reform and Risk-Based Pricing Authorization Act of 2008, Housing reform issues.

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

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

H.R.1852, Expanding American Homeownership Act of 2007, Homebuyer mortgage assistance related issues. S.2338, FHA Modernization Act of 2007, Homebuyer mortgage assistance related issues. H.R.5140, Economic Stimulus Act of 2008, FHA issues. H.R.3221/S.2636, Foreclosure Prevention Act of 2008, FHA issues. S.3261, Transportation, Housing and Urban Development, and Related Agencies Appropriations Act, FY2009, Housing issues. H.R. 6694, FHA Seller-Financed Downpayment Reform and Risk-Based Pricing Authorization Act of 2008, Housing reform issues.

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

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

H.R.1852, Expanding American Homeownership Act of 2007, Homebuyer mortgage assistance related issues. S.2338, FHA Modernization Act of 2007, Homebuyer mortgage assistance related issues. H.R.5140, Economic Stimulus Act of 2008, FHA issues. H.R.3221/S.2636, Foreclosure Prevention Act of 2008, FHA issues. S.3261, Transportation, Housing and Urban Development, and Related Agencies Appropriations Act, FY2009, Housing issues. H.R. 6694, FHA Seller-Financed Downpayment Reform and Risk-Based Pricing Authorization Act of 2008, Housing reform issues.

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

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

S.3261, Transportation, Housing and Urban Development, and Independent Agencies Appropriations Act, FY2009, HUD initiatives. S.1299, Borrower's Protection Act of 2007, mortgage issues. GSE Reform related issues. H.R.3221/S.3221, Foreclosure Prevention Act of 2008, Mortgage and housing issues. H.R.1852, Expanding American Homeownership Act of 2007, Mortgage and housing issues. S.2338, FHA Modernization Act of 2007, Mortgage and housing issues. S.1100, Federal Housing Enterprise Regulatory Reform Act of 2007, Mortgage and housing issues. S.2452, Home Ownership Preservation and Protection Act of 2007, Mortgage and housing issues.

Client expense: Not reported · Firm income: $50,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Matters involving fair lending, credit scores, credit availability, financial education, affordable housing, and subprime lending. S 2338 - FHA Modernization Act of 2007 HR 1424 - Emergency Economic Stabilization Act of 2008 S 2391 - GSE Mission Improvement Act of 2007 S 2452 - Home Ownership Preservation and Protection Act of 2007 S 2539 - Recovery Rebates and Economic Stimulus for the American People Act of 2008 HR 1852 - Expanding American Homeownership Act of 2007 HR 3609 - Emergency Home Ownership and Mortgage Equity Protection Act HR 3915 - Mortgage Reform and Anti-Predatory Lending Act HR 5140 Recovery Rebates and Economic Stimulus for the American People Act of 2008 HR 3996 - Temporary Tax Relief Act of 2007 HR 4178 - Emergency Mortgage Loan Modification Act HR 3648 - Mortgage Forgiveness Debt Relief Act of 2007 HR 3221 - American Housing Rescue and Foreclosure Prevention Act of 2008

Client expense: Not reported · Firm income: $50,000

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE

S. 40/ H.R. 3200, National Insurance Act (Entire bill) S. 929/ H.R. 1065, Nonadmitted and Reinsurance Reform Act of 2007 (Entire bill) S. 618/ H.R. 1081, Insurnace Industry Competition Act of 2007 (Entire bill) S. 742. H.R. 2385, Ban Asbestos in America Act of 2007 (Entire bill) H.R. 91, The Homeowners Insurance Protection Act of 2007 (Entire bill) H.R. 164/ S. 926, the Policyholder Disaster Protection act of 2007 (Entire bill) H.R. 330, The Homeowners Insurance Availability Act of 2007 (Entire bill) H.R. 537/ S. 292, The commission on Catastrophic Disaster Risk (Entire bill) H.R. 913, The Hurricane and Tornado Mitigation Investment Act of 2007 (Entire bill) H.R. 920, The Multiple Peril Insurance Act of 2007 (Entire bill) H.R. 1682, Flood Insurance Reform and Modernization Act of 2007 (Entire bill) H.R. 1852, Expanding American Homeownership Act of 2007 (Entire bill) H.R. 1787/ S. 927, Catastrophe Savings Account Act (Entire bill) H.R. 3121, Flood Insurance reform and Modernization Act (Entire bill) H.R. 3355/ S. 2310, Homeowners Defense Act (Entire bill) S. 1061, Homeowners Insurance Noncoverage Disclosure Act (Entire bill) S. 1890, Flood Insurance Choice act (Entire bill) S. 2047, Flood Insurance Disclosure act (Entire bill) S. 2286/ H.R. 3644, Commission on Natural Catastrophic Risk Management and Insurance Act (Entire bill) S. 2284, Flood Insurance Reform and Modernization Act (Entire bill) S. 2327, Homeowners Assistance Act (Entire bill) S. 2338/ H.R. 6424, Property Mitigation Assistance Act (Entire bill) S. 2458/ H.R. 4461, Community Building Code Administration Grant Act (Entire bill) H.R. 1746, Holocaust Insurance Accountability Act (Entire bill) H.R. 5633, Non-discriminatory Use of Consumer Reports and Consumer Information Act (Entire bill) H.R. 5611, National Association of Registered agents and Brokers Reform Act of 2008 (Entire bill) H.R. 5840, Insurance Information Act (Entire bill) H.r. 5792, Increasing Insurance Coverage Options for Consumers Act (Entire bill) H.R. 6062, Personal lines of Insurance Fairness Act (Entire bill) H.R. 6213, Reinsurance International Solvency Standards Evaluation Board Act (Entire bill) H.R. 1424, The Emergency Economic Stabilization Act (Sec. 3, Sec. 303) H.R. 3339/ H.R. 6903, Bruce Vento Ban asbestos and Prevent Mesothelioma act (Entire bill) H.R. 2638, Consolidated Security, Disaster Assistance and Continuing Appropriations act of 2009 (Sec. 145)

Client expense: $390,000 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), Commerce, Dept of (DOC), HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of, U.S. Trade Representative (USTR), White House Office