PROMISE Act

FDIC ILC Moratorium: H.R. 698/S. 1356 -Industrial Bank Holding Company Act of 2007 Credit Union Reform: H.R. 1537- Credit Union Regulatory Improvements Act of 2007 GSE Reform: S. 2169 - Promoting Refinancing Opportunities for Mortgages Impacted by the Subprime Emergency (PROMISE) Act of 2007 S. 2346 - Promoting Refinancing Opportunities for Mortgages Impacted by the Subprime Emergency (PROMISE) Act of 2007 S. 1100 - Federal Housing Enterprise Regulatory Reform Act of 2007 H.R. 5958 -- Homeowner Opportunity Act of 2008 (Provisions Relating to Extension of increased GSE Loan Limits) H.R. 3221 -- Foreclosure Prevention Act of 2008 (Provisions pertaining to GSE Conforming Loan Limits)

Client expense: $3,740,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Army, Dept of (Corps of Engineers), Bureau of Land Management (BLM), Environmental Protection Agency (EPA), Farm Credit Administration, Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), Federal Reserve System, Federal Trade Commission (FTC), Financial Crimes Enforcement Network (FinCEN), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Interior, Dept of (DOI), Office of Management & Budget (OMB), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of, U.S. Agency for International Development (USAID), Veterans Affairs, Dept of (VA)

H.R.1427 Federal Housing Reform Act of 2007. All Provisions. GSE Reform. H.R.44 Stabilizing Affordable Housing for the Future Act. All Provisions. Preserves affordable housing opportunities for low-income families. H.R.526 Supporting home ownership and responsible lending. All Provisions. Supports home ownership and responsible lending. S. 2736 Section 202 Supportive Housing for the Elderly Act of 2008. All Provisions. Amends section 202 of the Housing Act of 1959 to improve the program under such section for supportive housing for the elderly, and for other purposes. H.R.4735. Tenant Protection in Foreclosure Act of 2007. All Provisions. Amends the Truth in Lending Act to protect tenants' interests in foreclosure proceedings. S.2595 S.A.F.E. Mortgage Licensing Act of 2008. All Provisions. Creates a national licensing system for residential mortgage loan originators, to develop minimum standards of conduct to be enforced by State regulators, and for other purposes. S.1100, Federal Housing Enterprise Regulatory Reform Act of 2007. All provisions. Addresses the regulation of secondary mortgage market enterprises. S. 1222, Stop Fraud Act. All provisions. Stops mortgage transactions which operate to promote fraud, risk, abuse, and under-development. H.R.1289, Community Reinvestment Modernization Act of 2007. All provisions. Enhances the availability of capital and credit for all citizens and communities. S.1299, Borrower's Protection Act of 2007. All provisions. Establishes fiduciary duty for mortgage brokers and originators; establishes standards to assess a consumer's ability to repay. S.1985, Capital Access for Senior Homeowners Act of 2007. All Provisions. Improves access of senior homeowners to capital. S.2036, Protecting Access to Safe Mortgages Act. All Provisions. Raises conforming loan limits, portfolio caps for Freddie Mac & Fannie Mae. H.R.2061, Predatory Mortgage Lending Practices Reduction Act (Consumer Fairness Act). All Provisions. Protects home buyers from predatory lending practices. S.2114, American Home Ownership Preservation Act of 2007. All Provisions. Enhances disclosures and regulation ofloan originations; state grants. S.2153, Mortgage Disclosure Improvement Act of 2007. All Provisions. Enhances disclosure of the terms of home mortgage loans. S.2169, PROMISE Act. All Provisions. Temporarily increases the portfolio caps applicable to Freddie Mac and Fannie Mae, to provide the necessary financing to curb foreclosures by facilitating the refinancing of at-risk subprime borrowers into safe, affordable loans. S.2201, Home Ownership Mortgage Emergency Act. All Provisions. Penalty-free use of retirement funds for mortgage delinquency relief. S.2296, Mortgage Disclosure Enhancement Act of 2007. All Provisions. Provides for improved disclosures by all mortgage lenders at the loan approval and settlement stages of all mortgage loans. S.2346, PROMISE Act. All Provisions. Temporarily increases the portfolio caps applicable to Freddie Mac and Fannie Mae, to provide the necessary financing to curb foreclosures by facilitating the refinancing of at-risk subprime borrowers into safe, affordable loans. S.2391, Government Sponsored Enterprise Mission Improvement Act. All Provisions. Provides for affordable housing relief. S.2452, The Homeownership Preservation and Protection Act of 2007. All Provisions. Protection to consumers with respect to celiain high-cost loans. H.R. 2895, National Affordable Housing Trust Fund Act of 2007. All Provisions. Establishes National Affordable Housing Trust Fund in the Treasury. H.R.3012, Fair Mortgage Practices Act of 2007. All Provisions. Provides for the establishment of fair mortgage practices; subprime mortgages: provides a national system for licensing or registering residential mortgage loan originators. H.R.3081, Fairness for Homeowners Act of 2007. All Provisions. Protects consumers from certain practices in connection with the origination of consumer credit transactions secured by the consumer's principal dwelling. H.R. 3296, Mortgage Broker Transparency and Accountability Act of 2007. All Provisions. Amends the Truth in Lending Act: establishes transparency and accountability requirements for mortgage brokers. H.R.3526, To include all banking agencies within the existing regulatory framework- Section I. Amends the Internal Revenue Code to make permanent tax deductions for mortgage insurance premiums. H.R.5153 Conforming Loan Limit Temporary Adjustment Act of 2008. All Provisions. To increase temporarily the conforming loan limits of Fannie Mae & Freddie Mac in certain areas, enhance mortgage market liquidity. H.R.5500. Foreclosure Credit Forgiveness Act of 2008. All Provisions. Amends the Fair Credit Reporting Act to provide forbearance from foreclosures of subprime mortgages in the determination of a consumer credit score. S.2523, National Affordable Housing Trust Fund Act of 2007. All Provisions. Seeks to establish the National Affordable Housing Trust Fund in the Treasury of the United States to provide for the construction, rehabilitation, and preservation of decent, safe and affordable housing for low-income families. H.R. 3535, Homebuyer's Protection Act of 2007. All Provisions. Requires escrow accounts for the payment of property taxes and insurance for all subprime loans, and expands the coverage of the appraisal requirements. H.R.3557, Restore American Dream Act of 2007. All Provisions. The establishment of, and the deduction of contributions to, homeownership plans. H.R.3587, Homeowners' Emergency Mortgage Assistance Act. All Provisions. Establishes a program to assist homeowners experiencing unavoidable, temporary difficulty making payments on mortgages insured under the National Housing Act. H.R.3609, Emergency Home Ownership and Mortgage Equity Protection Act. All provisions. Modifies certain mortgages on principal residences. H.R.3666, Foreclosure Prevention and Homeownership Protection Act. All Provisions. Seeks partisan commission to perform a comprehensive examination of the current foreclosure and mortgage lending crisis. H.R.3705, Fair Disclosure for Homeowners Act of 2007 . All Provisions. Requires notice to consumers of an upcoming adjustment or reset date with respect to hybrid ARMs. H.R.3740, ASPIRE Act. All Provisions. Provides every newborn with a $500 Savings Account for education/retirement purposes. H.R.3777, Protecting Access to Safe Mortgages Act. All provisions. Temporarily raisees confOlming loan limits in high cost areas and portfolio caps applicable to Freddie Mac and Fannie Mae, provides the necessary financing to curb foreclosures by facilitating the refinancing of at-risk subprime borrowers into safe, prime loans, to preserve liquidity in the mortgage lending markets. H.R.3813, Mortgage Kickback Prevention Act of 2007. All provisions. Prohibits mortgage originators from receiving incentive compensation that variesfrom terms of a res. mortgage loan, and from steering consumers to residential mortgage loans not in the consumers' best interest. H.R.3837, Escrow, Appraisal, and Mortgage Servicing Improvements Act. All provisions. Requires escrows for certain mortgages,loans, improves mortgage servicing, promotes sustainable homeownership opportunities, enhances appraisal quality and standards, provides better appraisal oversight, mitigates appraiser pressure. H.R.3894, Negative Amortization Mortgage Loan Transparency Act. All Provisions. Establishes requirements for providing negatively amortizing mortgage loans to first-time borrowers. H.R.3915, Mortgage Reform and Anti-Predatory Lending Act of 2007. All provisions. Reforms consumer mortgage practices and provides accountability for such practices, establishes licensing and registration requirements for residential mortgage originators, provides certain minimum standards for consumer mortgage loans. H.R.4019, Mortgage Disclosure Improvement Act of 2007. All provisions. Enhances disclosure of the terms of home mortgage loans. H.R.4135, Family Foreclosure Rescue Corporation Act. All Provisions. Establishes the Family Foreclosure Rescue Corporation to provide emergency relief to refinance home mortgages of homeowners in foreclosure or default. H.R.4178, Emergency Mortgage Loan Modification Act of 2007. All Provisions. Removes an impediment to troubled debt restructuring on the patt of holders of residential mortgage loans. S.2399, Financial Education and Counseling Assistance Act of 2007. All provisions.Seeks to expancd and improve housing counseling services by increasing financial education and counseling services available to homeowners and prospective homebuyers in financial turmoil or who seek credit or other personal financial assistance, and for other purposes. S.2490, Reverse Mortgage Proceeds Protection Act. All Provisions. Seeks to prohibit authorized lenders of home equity conversion mortgages from requiring seniors to purchase an annuity with the proceeds of a reverse mortgage, and to provide other consumer protections to reverse mortgage borrowers.

H.R. 1427 - Federal Housing Finance Reform Acct of 2007 H.R. 2895 - National Affordable Housing Trust Fund Act S. 2391 - GSE Mission Improvement Act S. 2346 - Promoting Refinancing Opportunitites for Mortgages H.R. 3777 - Promoting Access to Safe Mortgages Act H.R. 3221 - American Housing Rescue and Foreclosure Prevention Act.

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

S. 1100, Federal Housing Enterprise Regulatory Reform Act of 2007; H.R. 1427, Federal Housing Finance Reform Act of 2007; S. 2169 and S. 2346, the PROMISE Act; S. 2036 and H.R. 3777, Protecting Access to Safe Mortgages Act; H.R. 3838, to temporarily increase the portfolio caps applicable to Freddie Mac...; S. 2114, the American Home Ownership Preservation Act of 2007; S. 2391, the GSE Mission Improvement Act; (continued on Addendum) H.R. 6164, Federal Housing Enterprises Transparency and Accountability Act of 2008; H.R. 5857, Homeownership Protection and Housing Market Stabilization Act of 2008; H.R. 5153, Conforming Loan Limit Temporary Adjustment Act of 2008; H.R. 5958, Homeowner Opportunity Act of 2008; S. 2791, Protecting America's Homeowners Act of 2008; and H.R. 3221, The Foreclosure Prevention Act of 2008 -- provisions relating to Freddie Mac.

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

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

S. 2136: "Helping Families Save Their Homes in Bankruptcy Act" - A bill to address the treatment of primary mortgages in bankruptcy. (All provisions) S. 2133: "Homeowners Mortgage and Equity Savings Act" - To authorize bankruptcy courts to take certain actions with respect to mortgage loans in bankruptcy. (All provisions). S. 2036: "Protecting Access to Safe Mortgages Act" - A bill to temporarily raise conforming loan limits in high cost areas and 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 loans, to preserve liquidity in the mortgage lending markets. (All provisions) S. 2346: "Promoting Refinancing Opportunities for Mortgages Impacted by the Subprime Emergency Act of 2007" - A bill 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) S. 2169: "Promoting Refinancing Opportunities for Mortgages Impacted by the Subprime Emergency Act of 2007" - A bill to temporarily increase the portfolio caps applicable to Freddie Mac and Fannie Mae. (All provisions) S. 1100: "The Federal Housing Enterprise Regulatory Reform Act of 2007" - A bill to address the regulation of secondary mortgage market enterprises. (All provisions) S. 2391: "GSE Mission Improvement Act" - A bill to provide for affordable housing relief. (All provisions) H.R. 2895: "National Affordable Housing Trust Fund Act of 2007" - A bill to establish the National Affordable Housing Trust Fund in the Treasury of the United States to provide for the construction, rehabilitation, and preservation of decent, safe, and affordable housing for low income families. (All provisions) H.R. 3778: "Homeowners Mortgage and Equity Savings Act" - A bill to authorize bankruptcy courts to take certain actions with respect to mortgage loans in bankruptcy. (All provisions) H.R. 3609: "Emergency Homeownership and Mortgage Equity Protection Act" - A bill to amend title 11 of the United States Code with respect to modification of certain mortgages on principal residences restricting the holder of a claim in bankruptcy which is secured by debtor's principal residence. (All provisions) H.R. 3915: "The Mortgage Reform and Anti-Predatory Lending Act of 2007" - A bill to amend the Truth in Lending Act to reform consumer mortgage practices and provide accountability for such practices, to establish licensing and registration requirements for residential mortgage originators, to provide certain minimum standards for consumer mortgage loans. (All provisions) H.R. 3838: "Temporarily Increase the Portfolio Caps of 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. 3777: "Protecting Access to Safe Mortgages Act" - A bill to temporarily increase the Portfolio Caps of Freddie Mac and Fannie Mae. (All provisions) H.R. 1427: "Federal Housing Reform Act of 2007" - A bill to reform the regulation of certain housing related government sponsored enterprises. (All provisions) H.R. 5140: "Economic Stimulus Act of 2008" - To provide economic stimulus through recovery rebates to individuals, incentives for business investment, and an increase in conforming and FHA loan limits. (All provisions related to housing and home mortgages) Matters related to the creation of 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. Matters related to mortgages on home loans that meet certain energy efficiency standards and mortgages that meet certain location efficiency standards.

FDIC ILC Moratorium: H.R. 698/S. 1356 -Industrial Bank Holding Company Act of 2007 Credit Union Reform: H.R. 1537- Credit Union Regulatory Improvements Act of 2007 GSE Reform: H.R. 1427- Federal Housing Finance Reform Act of 2007 S. 2391 - GSE Mission Improvement Act of 2007 S. 2169 - Promoting Refinancing Opportunities for Mortgages Impacted by the Subprime Emergency (PROMISE) Act of 2007 S. 2346 - Promoting Refinancing Opportunities for Mortgages Impacted by the Subprime Emergency (PROMISE) Act of 2007 S. 1100 - Federal Housing Enterprise Regulatory Reform Act of 2007 H.R. 5140 - Economic Stimulus Act of 2008 (Provisions pertaining to GSE Conforming Loan Limits) H.R. 3221 -- Foreclosure Prevention Act of 2009 (Provisions pertaining to GSE Conforming Loan Limits)

Client expense: $3,140,000 · Firm income: Not reported

S. 2136: "Helping Families Save Their Homes in Bankruptcy Act" - A bill to address the treatment of primary mortgages in bankruptcy. (All provisions) S. 2133: "Homeowners Mortgage and Equity Savings Act" - To authorize bankruptcy courts to take certain actions with respect to mortgage loans in bankruptcy. (All provisions). S. 2036: "Protecting Access to Safe Mortgages Act" - A bill to temporarily raise conforming loan limits in high cost areas and 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 loans, to preserve liquidity in the mortgage lending markets. (All provisions) S. 2346: "Promoting Refinancing Opportunities for Mortgages Impacted by the Subprime Emergency Act of 2007" - A bill 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) S. 2169: "Promoting Refinancing Opportunities for Mortgages Impacted by the Subprime Emergency Act of 2007" - A bill to temporarily increase the portfolio caps applicable to Freddie Mac and Fannie Mae. (All provisions) S. 1100: "The Federal Housing Enterprise Regulatory Reform Act of 2007" - A bill to address the regulation of secondary mortgage market enterprises. (All provisions) S. 2391: "GSE Mission Improvement Act" - A bill to provide for affordable housing relief. (All provisions) H.R. 2895: "National Affordable Housing Trust Fund Act of 2007" - A bill to establish the National Affordable Housing Trust Fund in the Treasury of the United States to provide for the construction, rehabilitation, and preservation of decent, safe, and affordable housing for low income families. (All provisions) H.R. 3778: "Homeowners Mortgage and Equity Savings Act" - A bill to authorize bankruptcy courts to take certain actions with respect to mortgage loans in bankruptcy. (All provisions) H.R. 3609: "Emergency Homeownership and Mortgage Equity Protection Act" - A bill to amend title 11 of the United States Code with respect to modification of certain mortgages on principal residences restricting the holder of a claim in bankruptcy which is secured by debtor's principal residence. (All provisions) H.R. 3915: "The Mortgage Reform and Anti-Predatory Lending Act of 2007" - A bill to amend the Truth in Lending Act to reform consumer mortgage practices and provide accountability for such practices, to establish licensing and registration requirements for residential mortgage originators, to provide certain minimum standards for consumer mortgage loans. (All provisions) H.R. 3838: "Temporarily Increase the Portfolio Caps of 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. 3777: "Protecting Access to Safe Mortgages Act" - A bill to temporarily increase the Portfolio Caps of Freddie Mac and Fannie Mae. (All provisions) H.R. 1427: "Federal Housing Reform Act of 2007" - A bill to reform the regulation of certain housing related government sponsored enterprises. (All provisions) Matters related to amending the Real Estate Procedures Act of 1974 to require mortgages for mortgagees in default to engage in reasonable loss mitigation activities. Matters related to establishing the HOPE for Homeowners Program to assist homeowners at risk of foreclosure. Matters related to the creation of 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. Matters related to mortgages on home loans that meet certain energy efficiency standards and mortgages that meet certain location efficiency standards.

H.R. 5153 Conforming Loan Limit Temporary Adjustment Act of 2008. All Provisions. To increase temporarily the conforming loan limits of Fannie Mae & Freddie Mac in certain areas, enhance mortgage market liquidity. H.R. 5500. Foreclosure Credit Forgiveness Act of 2008. All Provisions. Amends the Fair Credit Reporting Act to provide forbearance from foreclosures of subprime mortgages in the determination of a consumer credit score H.R. 4735. Tenant Protection in Foreclosure Act of 2007. All Provisions. Amends the Truth in Lending Act to protect tenants interests in foreclosure proceedings. S. 2736 Section 202 Supportive Housing for the Elderly Act of 2008. All Provisions. Amends section 202 of the Housing Act of 1959 to improve the program under such section for supportive housing for the elderly, and for other purposes. S. 2595 S.A.F.E. Mortgage Licensing Act of 2008. All Provisions. Creates a national licensing system for residential mortgage loan originators, to develop minimum standards of conduct to be enforced by State regulators, and for other purposes. H.R. 44, Stabilizing Affordable Housing for the Future Act. All Provisions. Preserves affordable housing opportunities for low-income families. H.R. 526, Full Funding for IDEA Now Act. All provisions. Supports home ownership and responsible lending. S.1100, Federal Housing Enterprise Regulatory Reform Act of 2007. All provisions. Addresses the regulation of secondary mortgage market enterprises. S. 1222, Stop Fraud Act. All provisions. Stops mortgage transactions which operate to promote fraud, risk, abuse, and under-development. H.R.1289, Community Reinvestment Modernization Act of 2007. All provisions. Enhances the availability of capital and credit for all citizens and communities. S.1299, Borrower's Protection Act of 2007. All provisions. Establishes fiduciary duty for mortgage brokers and originators; establishes standards to assess a consumer's ability to repay. H.R. 1427, Federal Housing Finance Reform Act of 2007. All Provisions. GSE Regulation Reform. S.1985, Capital Access for Senior Homeowners Act of 2007. All Provisions. Improves access of senior homeowners to capital. H.R. 1996, Preservation of Federalism in Banking Act. All Provisions. Clarifies applicability of State law to national banks and Federal savings associations. S.2036, Protecting Access to Safe Mortgages Act . All Provisions. Raises conforming loan limits, portfolio caps for Freddie Mac & Fannie Mae. H.R.2061, Predatory Mortgage Lending Practices Reduction Act. All Provisions. Protects home buyers from predatory lending practices. S.2114, American Home Ownership Preservation Act of 2007. All Provisions. Enhances disclosures and regulation of loan originations; state grants. S.2153, Mortgage Disclosure Improvement Act of 2007. All Provisions. Enhances disclosure of the terms of home mortgage loans. S.2169, PROMISE Act. All Provisions. Temporarily increases the portfolio caps applicable to Freddie Mac and Fannie Mae, to provide the necessary financing to curb foreclosures by facilitating the refinancing of at-risk subprime borrowers into safe, affordable loans. S.2201, Home Ownership Mortgage Emergency Act . All Provisions. Penalty-free use of retirement funds for mortgage delinquency relief. S.2296, Mortgage Disclosure Enhancement Act of 2007. All Provisions. Provides for improved disclosures by all mortgage lenders at the loan approval and settlement stages of all mortgage loans. S.2346, PROMISE Act. All Provisions. Temporarily increases the portfolio caps applicable to Freddie Mac and Fannie Mae, to provide the necessary financing to curb foreclosures by facilitating the refinancing of at-risk subprime borrowers into safe, affordable loans. S.2391, Government Sponsored Enterprise Mission Improvement Act. All Provisions. Provides for affordable housing relief. S.2452, The Homeownership Preservation and Protection Act of 2007. All Provisions. Protection to consumers with respect to certain high-cost loans. H.R. 2895, National Affordable Housing Trust Fund Act of 2007. All Provisions. Establishes National Affordable Housing Trust Fund in the Treasury. H.R.3012, Fair Mortgage Practices Act of 2007. All Provisions. Provides for the establishment of fair mortgage practices; subprime mortgages: provides a national system for licensing or registering residential mortgage loan originators. H.R.3081, Fairness for Homeowners Act of 2007. All Provisions. Protects consumers from certain practices in connection with the origination of consumer credit transactions secured by the consumer's principal dwelling. H.R. 3296, Mortgage Broker Transparency and Accountability Act of 2007. All Provisions. Amends the Truth in Lending Act: establishes transparency and accountability requirements for mortgage brokers. H.R.3526, To include all banking agencies within the existing regulatory framework- Section 1. Amends the Internal Revenue Code to make permanent tax deductions for mortgage insurance premiums. H.R. 3535, Homebuyer's Protection Act of 2007. All Provisions. Requires escrow accounts for the payment of property taxes and insurance for all subprime loans, and expands the coverage of the appraisal requirements. H.R.3557, Restore American Dream Act of 2007. All Provisions. The establishment of, and the deduction of contributions to, homeownership plans. H.R.3587, Homeowners' Emergency Mortgage Assistance Act. All Provisions. Establishes a program to assist homeowners experiencing unavoidable, temporary difficulty making payments on mortgages insured under the National Housing Act. H.R.3609, Emergency Home Ownership and Mortgage Equity Protection Act. All provisions. Modifies certain mortgages on principal residences. H.R.3666, Foreclosure Prevention and Homeownership Protection Act. All Provisions. Seeks partisan commission to perform a comprehensive examination of the current foreclosure and mortgage lending crisis. H.R.3705, Fair Disclosure for Homeowners Act of 2007 . All Provisions. Requires notice to consumers of an upcoming adjustment or reset date with respect to hybrid ARMs. H.R.3740, ASPIRE Act. All Provisions. Provides every newborn with a $500 Savings Account for education/retirement purposes. H.R.3777, Protecting Access to Safe Mortgages Act. All provisions. Temporarily raisees conforming loan limits in high cost areas and portfolio caps applicable to Freddie Mac and Fannie Mae, provides the necessary financing to curb foreclosures by facilitating the refinancing of at-risk subprime borrowers into safe, prime loans, to preserve liquidity in the mortgage lending markets. H.R.3813, Mortgage Kickback Prevention Act of 2007. All provisions. Prohibits mortgage originators from receiving incentive compensation that varies from terms of a res. mortgage loan, and from steering consumers to residential mortgage loans not in the consumers' best interest. H.R.3837, Escrow, Appraisal, and Mortgage Servicing Improvements Act. All provisions. Requires escrows for certain mortgage loans, improves mortgage servicing, promotes sustainable homeownership opportunities, enhances appraisal quality and standards, provides better appraisal oversight, mitigates appraiser pressure. H.R.3894, Negative Amortization Mortgage Loan Transparency Act. All Provisions. Establishes requirements for providing negatively amortizing mortgage loans to first-time borrowers. H.R.3915, Mortgage Reform and Anti-Predatory Lending Act of 2007. All provisions. Reforms consumer mortgage practices and provides accountability for such practices, establishes licensing and registration requirements for residential mortgage originators, provides certain minimum standards for consumer mortgage loans. H.R.4019, Mortgage Disclosure Improvement Act of 2007. All provisions. Enhances disclosure of the terms of home mortgage loans. H.R.4135, Family Foreclosure Rescue Corporation Act. All Provisions. Establishes the Family Foreclosure Rescue Corporation to provide emergency relief to refinance home mortgages of homeowners in foreclosure or default. H.R.4178, Emergency Mortgage Loan Modification Act of 2007. All Provisions. Removes an impediment to troubled debt restructuring on the part of holders of residential mortgage loans. S.2399, Financial Education and Counseling Assistance Act of 2007. All provisions.Seeks to expancd and improve housing counseling services by increasing financial education and counseling services available to homeowners and prospective homebuyers in financial turmoil or who seek credit or other personal financial assistance, and for other purposes. S.2490, Reverse Mortgage Proceeds Protection Act. All Provisions. Seeks to prohibit authorized lenders of home equity conversion mortgages from requiring seniors to purchase an annuity with the proceeds of a reverse mortgage, and to provide other consumer protections to reverse mortgage borrowers. S.2523, National Affordable Housing Trust Fund Act of 2007. All Provisions. Seeks to establish the National Affordable Housing Trust Fund in the Treasury of the United States to provide for the construction, rehabilitation, and preservation of decent, safe and affordable housing for low-income families.

S. 1100, Federal Housing Enterprise Regulatory Reform Act of 2007; H.R. 1427, Federal Housing Finance Reform Act of 2007; S. 2169 and S. 2346, the PROMISE Act; S. 2036 and H.R. 3777, Protecting Access to Safe Mortgages Act; H.R. 3838, to temporarily increase the portfolio caps applicable to Freddie Mac...; S. 2114, the American Home Ownership Preservation Act of 2007; and S. 2391, the GSE Mission Improvement Act -- all provisions as they relate to Freddie Mac.

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

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

H.R. 1427 - Federal Housing Finance Reform Acct of 2007 H.R. 2895 - National Affordable Housing Trust Fund Act S. 2391 - GSE Mission Improvement Act S. 2346 - Promoting Refinancing Opportunitites for Mortgages H.R. 3777 - Promoting Access to Safe Mortgages Act

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Various appropriation bills; H.R. 2262 - Mining Act; H.R. 1495 - Water Resources Development Act; S. 2191 - Climate Change legislation; S. 742 - Ban Act; H.R. 1650 RR Enforcement Act of 2007; H.R. 800 - Employee Free Choice Act; H.R. 1852 - FHA Loan Limits; S. 2346 - GSE Portfolio Limits.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE, UNDETERMINED, White House Office

Various appropriation bills; H.R. 2262 - Mining Act; H.R. 1495 - Water Resources Development Act; S. 2191 - Climate Change legislation; S. 742 - Ban Act; H.R. 1650 RR Enforcement Act of 2007; H.R. 800 - Employee Free Choice Act; H.R. 1852 - FHA Loan Limits; S. 2346 - GSE Portfolio Limits.

Client expense: Not reported · Firm income: $220,000

Various appropriation bills; H.R. 2262 - Mining Act; H.R. 1495 - Water Resources Development Act; S. 2191 - Climate Change legislation; S. 742 - Ban Act; H.R. 1650 RR Enforcement Act of 2007; H.R. 800 - Employee Free Choice Act; H.R. 1852 - FHA Loan Limits; S. 2346 - GSE Portfolio Limits.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE, White House Office

H.R. 2262, Mining Act; H.R. 1495, Water Resources Development Act; H.R. 3074 and S. 1789, Transportation Appropriations; S. 742, Ban Act; H. R. 800, Employee Free Choice Act; H.R. 1852, FHA Loan Limits; S. 2346, GSE Portfolio limits

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 1427 - Federal Housing Finance Reform Act of 2007 H.R. 2895 - National Affordable Housing Trust Fund Act S. 2391 - GSE Mission Improvement Act S. 2346 - Promoting Refinancing Opportunities for Mortgages

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S. 1100, Federal Housing Enterprise Regulatory Reform Act of 2007; H.R. 1427, Federal Housing Finance Reform Act of 2007; S. 2169 and S. 2346, the PROMISE Act; S. 2036 and H.R. 3777, Protecting Access to Safe Mortgages Act; H.R. 3838 to temporarily increase the portfolio caps applicable to Freddie Mac...; S. 2114, the American Home Ownership Preservation Act of 2007; and S. 2391, the GSE Mission Improvement Act -- all provisions as they relate to Freddie Mac.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE