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Home Ownership Preservation and Protection Act of 2007
Legislative Progress
Introduced
December 12, 2007
Latest Action
December 12, 2007
Primary Sponsor
Christopher DoddDemocratic(CT)
Momentum (last 30 days)
0
score
0 actions · 0 new cosponsors · 0 votes
Speed vs cohort
0pct
0d open
vs 3,722 other S bills in the 110th — cohort avg 42d
No CRS summary is available for this bill yet. The source title, actions, sponsors, and text versions below come from Congress.gov.
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Filing registrants (62)
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Sources: Congress.gov
2008 · fourth_quarter · Financial Institutions/Investments/Securities
Proposals on Estate and Gift Tax Reform; Proposal to require cost-basis reporting; Elimination of Soft Dollars; HR 3915 of the Mortgage Reform and Anti-Predatory Legacy Act of 2007 (all provisions); S2452, the Home Ownership Preservation and Protection Act of 2007 (all provisions); List continues on page 3. S.761, America Competes Act (Section 5007) HR 1171, Money Makert Fund Parity Act of 2007 (all provisions) HR 3225, Mutual Fund Sec Reform Act (all provisions) S. 1624, A bill to amend the Internal Revenue Code of 1986 to provide that the exception from treatment of publicly traded partnerships as corporations for partnerships with passive-type income shall not apply to partnerships directly or indirectly deriving income from providing investment adviser and related asset management services (all provisions) HR 2834, to amend the Internal Revenue Code of 1986 to treat income received by partners for performing investment management services as ordinary income received for the performance of services (all provisions) HR 2761, Terrorism Risk Insurance Revision and Extension Act of 2007 HR 5720, Housing Assistance Tax Act of 2008 (all provisions) Municipal Securities Markets Mutual Recognition Regulatory Restructuring (Securities and Commodities Issues) HR 5715, Ensuring Continued Access to Student Loans Act of 2008 (all provisions) HR 1424, the Emergency Economic Stabilization Act of 2008 (all procisions including Treasury asset-purchase proposal, business tax provisons, FDIC coverage, SEC Rules, accounting provisions, revenue offsets, GSE preferred stock tax accounting rules, proposed bankruptcy provisions) S. 2169 the Promoting Refinancing Opportunities for Mortgages Impacted by the Subprime Emergency Act of 2007 (all provisions) S. 2636 The Foreclosure Prevention Act of 2008 Proposals to address anticipated mortgage foreclosures Proposals to address anticipated mortgage foreclosures Proposals to address predatory lending practices int eh subprime mortgage market H.R. 6659 The Equal Treatment of Covered Bonds Act of 2008 S. 3268, The Commodity Markets Transparency and Accountability Act of 2008 HR 6604, The Commodity Markets Transparency and Accountability Act of 2008 HR 3691, A bill to Amend the Commodity Exchange Act to require reporting and record keeping for positions involving credit default swaps, to grow the Federal Reserve Board authority over investment-bank holding companies, and for other purposes.
Client expense: $16,950 · Firm income: Not reported
Government targets: 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
2008 · third_quarter · Banking
S. 163, Small Business Disaster Response and Loan Improvements Act of 2007 (all provisions) S. 413, Community Choice in Real Estate Act (all provisions) S. 869, the Compete Act of 2007 (all provisions) S. 927, Catastrophe Savings Accounts Act of 2007 (all provisions) S. 1176, the Credit Card Minimum Payment Warning Act (all provisions) S. 1299, Borrowers Protection Act of 2007 (all provisions) S. 1309, the Universal Default Prohibition Act of 2007 To amend the Truth in Lending Act to prohibit universal defaults on credit card accounts S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007 (all provisions) S. 2036, the Protecting Access to Safe Mortgages Act (all provisions) S. 2169, the Promoting Refinancing Opportunities for Mortgages Impacted by the Subprime Emergency Act of 2007 (all provisions) S. 2452, the Home Ownership Preservation and Protection Act of 2007 (all provisions) S. 2636, the Foreclosure Prevention Act of 2008 (all provisions, including mortgage-bankruptcy, credit counseling, adjustments to mortgage bonds, and net operating loss carry-back provisions) S. 2753, the Credit Card Reform Act of 2008 (all provisions) S. 2957, the Credit Union Regulatory Improvements Act of 2007 (all provisions) S. 3086, the Credit Card Fair Fee Act of 2008 (all provisions) S. 3252, the Credit CARD Act of 2008 (all provisions) S. 3287, the Protecting Consumers from Unreasonable Credit Rates Act of 2008 (all provisions) H.Res. 526, expressing the sense of the House that Government action should be taken that protects buyers from unscrupulous mortgage brokers and lenders H.R. 41, the Business Checking Fairness Act of 2007 (all provisions) H.R. 111, the Community Choice in Real Estate Act (all provisions) H.R. 873, the Credit Card Payment Fee Act of 2007 To amend the Truth in Lending Act to prohibit fees by creditors for payments on credit card accounts by electronic fund transfers H.R. 946, the Consumer Overdraft Protection Fair Practices Act To extend the protections of the Truth in Lending Act to overdraft protection programs and services provided by depository institutions. H.R. 1066, the Depository Institution Community Development Investments Enhancement Act (all provisions) H.R. 1314, the Photo Identification Security Act (all provisions) H.R. 1361, the Relief for Entrepreneurs: Coordination of Objectives and Values for Effective Recovery Act of 2007 (RECOVER Act) (all provisions) H.R. 1461, the Consumer Credit Protection Act (all provisions) H.R. 1508, the Compete Act of 2007 (all provisions) H.R. 1510, the Credit Card Repayment Act of 2007 (all provisions) H.R. 1515, the Housing and Community Development Act of 1974 to treat certain communities as metropolitan cities for purposes of the community development block grant program (all provisions) H.R. 1787, the Catastrophe Savings Accounts Act of 2007 (all provisions) H.R. 1849, the Credit Union Small Business Lending Act (all provisions) H.R. 2146, the Universal Default Prohibition Act of 2007 To amend the Truth in Lending Act to prohibit universal defaults on credit card accounts H.R. 2911, the Electronic Funds Transfer Equal Consumer Protection Act (all provisions) H.R. 3012, the Fair Mortgage Practices Act of 2007 (all provisions) H.R. 3221, the American Housing Rescue and Foreclosure Prevention Act of 2008 (all provisions) H.R. 3526, to include all banking agencies within the existing regulatory authority under the Federal Trade Commission Act with respect to depository institutions (all provisions) H.R. 3837, the Escrow, Appraisal, and Mortgage Servicing Improvements Act (all provisions H.R. 3838, to temporarily increase the portfolio caps applicable to Freddie Mac and Fannie Mae, to provide the necessary financing to curb foreclosures by facilitating the refinancing of at-risk subprime borrowers into safe, affordable loans (all provisions) H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007 (all provisions) H.R. 4049, the Money Service Business Act of 2007 (all provisions) H.R. 5244, the Credit Cardholders Bill of Rights Act of 2008 (all provisions) H.R. 5546, the Credit Card Fair Fee Act of 2008 (all provisions) H.R. 5633, the Nondiscriminatory Use of Consumer Reports and Consumer Information Act of 2008 (all provisions to modify the Fair Credit Reporting Act) Proposals to address anticipated mortgage foreclosures. Proposals to address predatory lending practices in the subprime mortgage market Proposal to freeze interest rates on certain subprime mortgage loans Frank-Schumer GSE cap increase bill Proposed Fair Credit for Families legislation to create a Financial Product Safety Commission, establish a 30 percent cap on annual credit card interest rates, require clearer disclosures on credit card terms and fees, and provide more funds to promote financial literacy. Dodd-Frank proposed foreclosure prevention legislation that would provide federal funds to state housing authorities for buying foreclosed properties and Federal Housing Administration guarantees for refinancing distressed mortgages. Frank proposal to create a financial services risk regulator. Anti-Money-Laundering programs/proposals. General proposals to restructure the financial services regulatory structure. Deposit insurance policies. Programs to bring people into the financial mainstream. Bank examination practices and policies. Proposal regarding garnishment of federal benefits payments. Examined Treasury plans to protect financial markets; Fannie and Freddie preferred stock. H.R. 6871, the Expedited Funds Availability Dollar Limits Adjustment Act of 2008
2008 · fourth_quarter · Housing
Continued and strengthened enforcement of Fair Housing Laws; equal access to adequate and affordable housing for all Americans. End homelessness. Support an Affordable Housing Trust Fund (H.R. 2895 / in Senate version of H.R. 3221). Ensure adequate housing for low-income people displaced by Hurricane Katrina. End the mortgage foreclosure crisis. Support H.R. 1427, H.R. 1227, H.R. 840, H.Res. 526, H.R. 1851, H.R. 2895, S. 2452, H.R. 3915 with strengthening amendments. Support H.R. 5830. Support H.R. 3221 in the Senate, H.R. 5818. Support the Affordable Housing Trust Fund in H.R. 3221; support funding for the Affordable Housing Trust Fund in HR 1424.
Client expense: $50,000 · Firm income: Not reported
Government targets: Agriculture, Dept of (USDA), Centers For Disease Control & Prevention (CDC), Commerce, Dept of (DOC), Defense, Dept of (DOD), Education, Dept of, Environmental Protection Agency (EPA), Equal Employment Opportunity Commission (EEOC), Federal Bureau of Investigation (FBI), Federal Communications Commission (FCC), Federal Emergency Management Agency (FEMA), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Interior, Dept of (DOI), Justice, Dept of (DOJ), Labor, Dept of (DOL), Office of Personnel Management (OPM), SENATE, Small Business Administration (SBA), Social Security Administration (SSA), State, Dept of (DOS), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Commission on Civil Rights, U.S. Trade Representative (USTR), Voice of America, White House Office
2008 · fourth_quarter · Banking
Eliminate predatory lending; ensure equal access to financial services to all Americans. Eliminate disparities in credit reporting. Ease home mortgage foreclosure crisis, H.R. 5830 and H.R. 5818, and H.R. 3221. Eliminate pay day lending (concerns about H.R. 6312). Support S. 2452; support strengthening amendments to H.R. 3915. Support a foreclosure moratorium (H.R. 6076). Reform the mortgage servicers industry so that more loans are modified and fewer homes are foreclosed upon. Support H.R. 5679. Try to ensure that homeowner facing foreclosure are not forgotten in the Wall Street bailout (H.R. 1424). Try to stop abusive credit card practices (support H.R. 5244).
Client expense: $50,000 · Firm income: Not reported
Government targets: Agriculture, Dept of (USDA), Centers For Disease Control & Prevention (CDC), Commerce, Dept of (DOC), Defense, Dept of (DOD), Education, Dept of, Environmental Protection Agency (EPA), Equal Employment Opportunity Commission (EEOC), Federal Bureau of Investigation (FBI), Federal Communications Commission (FCC), Federal Emergency Management Agency (FEMA), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Interior, Dept of (DOI), Justice, Dept of (DOJ), Labor, Dept of (DOL), Office of Personnel Management (OPM), SENATE, Small Business Administration (SBA), Social Security Administration (SSA), State, Dept of (DOS), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Commission on Civil Rights, U.S. Trade Representative (USTR), Voice of America, White House Office
2008 · fourth_quarter · Financial Institutions/Investments/Securities
End predatory lending, including pay-day lending, and ensure equal access to fair credit and main-stream financial insitutions by all Americans. Ease the home forclosure crisis. Support H.R. 1427; support H.Con.Res. 140 Support S. 2452; support strengthening amendments to H.R. 3915. Support a moratorium on foreclosures, support H.R. 6076; support H.R. 5830. Oppose "vulture funds". Support debt relief for poor nations, a.k.a. the Jubilee Act, H.R. 2634 / S. 2166. Support expansion of FHA loans to ease the foreclosure crisis, H.R. 3221 / H.R. 5830, support increasing funds for states and local communities to deal with foreclosed homes, support H.R. 5818. Reform the mortgage servicers industry so that more loans are modified and fewer homes are foreclosed upon. Support H.R. 5679. Try to ensure that homeowner facing foreclosure are not forgotten in the Wall Street bailout (H.R. 1424). Try to stop abusive credit card practices (support H.R. 5244).
Client expense: $50,000 · Firm income: Not reported
| Democratic |
| CA |
| Charles E. Schumer | Democratic | NY |
| Claire McCaskill | Democratic | MO |
| Daniel K. Akaka | Democratic | HI |
| Dianne Feinstein | Democratic | CA |
| Edward Kennedy | Democratic | MA |
| Frank R. Lautenberg | Democratic | NJ |
| Hillary Clinton | Democratic | NY |
| Jack Reed | Democratic | RI |
| John F. Kerry | Democratic | MA |
| Richard J. Durbin | Democratic | IL |
| Robert Menendez | Democratic | NJ |
| Robert P. Casey, Jr. | Democratic | PA |
| Sheldon Whitehouse | Democratic | RI |
| Sherrod Brown | Democratic | OH |
| Tom Harkin | Democratic | IA |
Client expense: $2,340,000 · Firm income: Not reported
Government targets: Defense, Dept of (DOD), Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Justice, Dept of (DOJ), Labor, Dept of (DOL), Office of Management & Budget (OMB), SENATE, Social Security Administration (SSA), Treasury, Dept of, White House Office
Government targets: Agriculture, Dept of (USDA), Centers For Disease Control & Prevention (CDC), Commerce, Dept of (DOC), Defense, Dept of (DOD), Education, Dept of, Environmental Protection Agency (EPA), Equal Employment Opportunity Commission (EEOC), Federal Bureau of Investigation (FBI), Federal Communications Commission (FCC), Federal Emergency Management Agency (FEMA), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Interior, Dept of (DOI), Justice, Dept of (DOJ), Labor, Dept of (DOL), Office of Personnel Management (OPM), SENATE, Small Business Administration (SBA), Social Security Administration (SSA), State, Dept of (DOS), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Commission on Civil Rights, U.S. Trade Representative (USTR), Voice of America, White House Office
2008 · third_quarter · Banking
Eliminate predatory lending; ensure equal access to financial services to all Americans. Eliminate disparities in credit reporting. Ease home mortgage foreclosure crisis, H.R. 5830 and H.R. 5818, and H.R. 3221. Eliminate pay day lending (concerns about H.R. 6312). Support S. 2452; support strengthening amendments to H.R. 3915. Support a foreclosure moratorium (H.R. 6076). Reform the mortgage servicers industry so that more loans are modified and fewer homes are foreclosed upon. Support H.R. 5679. Try to ensure that homeowner facing foreclosure are not forgotten in the Wall Street bailout (H.R. 1424). Try to stop abusive credit card practices (support H.R. 5244).
Client expense: $50,000 · Firm income: Not reported
Government targets: Agriculture, Dept of (USDA), Centers For Disease Control & Prevention (CDC), Commerce, Dept of (DOC), Defense, Dept of (DOD), Education, Dept of, Environmental Protection Agency (EPA), Equal Employment Opportunity Commission (EEOC), Federal Bureau of Investigation (FBI), Federal Communications Commission (FCC), Federal Emergency Management Agency (FEMA), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Interior, Dept of (DOI), Justice, Dept of (DOJ), Labor, Dept of (DOL), Office of Personnel Management (OPM), SENATE, Small Business Administration (SBA), Social Security Administration (SSA), State, Dept of (DOS), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Commission on Civil Rights, U.S. Trade Representative (USTR), Voice of America, White House Office
2008 · third_quarter · Housing
Continued and strengthened enforcement of Fair Housing Laws; equal access to adequate and affordable housing for all Americans. End homelessness. Support an Affordable Housing Trust Fund (H.R. 2895 / in Senate version of H.R. 3221). Ensure adequate housing for low-income people displaced by Hurricane Katrina. End the mortgage foreclosure crisis. Support H.R. 1427, H.R. 1227, H.R. 840, H.Res. 526, H.R. 1851, H.R. 2895, S. 2452, H.R. 3915 with strengthening amendments. Support H.R. 5830. Support H.R. 3221 in the Senate, H.R. 5818. Support the Affordable Housing Trust Fund in H.R. 3221; support funding for the Affordable Housing Trust Fund in HR 1424.
Client expense: $50,000 · Firm income: Not reported
Government targets: Agriculture, Dept of (USDA), Centers For Disease Control & Prevention (CDC), Commerce, Dept of (DOC), Defense, Dept of (DOD), Education, Dept of, Environmental Protection Agency (EPA), Equal Employment Opportunity Commission (EEOC), Federal Bureau of Investigation (FBI), Federal Communications Commission (FCC), Federal Emergency Management Agency (FEMA), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Interior, Dept of (DOI), Justice, Dept of (DOJ), Labor, Dept of (DOL), Office of Personnel Management (OPM), SENATE, Small Business Administration (SBA), Social Security Administration (SSA), State, Dept of (DOS), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Commission on Civil Rights, U.S. Trade Representative (USTR), Voice of America, White House Office
2008 · third_quarter · Financial Institutions/Investments/Securities
End predatory lending, including pay-day lending, and ensure equal access to fair credit and main-stream financial insitutions by all Americans. Ease the home forclosure crisis. Support H.R. 1427; support H.Con.Res. 140 Support S. 2452; support strengthening amendments to H.R. 3915. Support a moratorium on foreclosures, support H.R. 6076; support H.R. 5830. Oppose "vulture funds". Support debt relief for poor nations, a.k.a. the Jubilee Act, H.R. 2634 / S. 2166. Support expansion of FHA loans to ease the foreclosure crisis, H.R. 3221 / H.R. 5830, support increasing funds for states and local communities to deal with foreclosed homes, support H.R. 5818. Reform the mortgage servicers industry so that more loans are modified and fewer homes are foreclosed upon. Support H.R. 5679. Try to ensure that homeowner facing foreclosure are not forgotten in the Wall Street bailout (H.R. 1424). Try to stop abusive credit card practices (support H.R. 5244).
Client expense: $50,000 · Firm income: Not reported
Government targets: Agriculture, Dept of (USDA), Centers For Disease Control & Prevention (CDC), Commerce, Dept of (DOC), Defense, Dept of (DOD), Education, Dept of, Environmental Protection Agency (EPA), Equal Employment Opportunity Commission (EEOC), Federal Bureau of Investigation (FBI), Federal Communications Commission (FCC), Federal Emergency Management Agency (FEMA), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Interior, Dept of (DOI), Justice, Dept of (DOJ), Labor, Dept of (DOL), Office of Personnel Management (OPM), SENATE, Small Business Administration (SBA), Social Security Administration (SSA), State, Dept of (DOS), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Commission on Civil Rights, U.S. Trade Representative (USTR), Voice of America, White House Office
2008 · third_quarter · Banking
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). Regulation: Community Reinvestment Act regulations; FDIC ILC Applications; OTS gift card guidance; Subprime Mortgage Lending; SEC and PCAOB Sarbanes-Oxley regulations and guidance; Regulatory Burden Relief Regulations; Payday Lending 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; FTC Privacy Rules; OTS Unfair & Deceptive Rules; FinCen Rules on Foreign Banking Relationships; SEC Risk-based auditing standard; Money Laundering Regulations, FBI Subpoenas Addendum, 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. #17. (continued from previous page) Public Company Accounting Oversight Board Office of Federal Housing Enterprise Oversight
Client expense: $230,000 · Firm income: Not reported
Government targets: Defense, Dept of (DOD), Federal Bureau of Investigation (FBI), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), Financial Crimes Enforcement Network (FinCEN), HOUSE OF REPRESENTATIVES, 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
2008 · first_quarter · Financial Institutions/Investments/Securities
HR 5244, Credit Cardholders' Bill of Rights Act of 2008. S 2452, Home Ownership Preservation and Protection Act of 2007. S 2753, Credit Card Reform Act of 2008. HR 946, Consumer Overdraft Protection Fair Practices Act. Issues related to banking and financial privacy. Issues related to credit card reforms. Issues related to data privacy. Issues related to ID theft. Issues related to the credit card industry practices. Issues related to predatory lending. Issues related to security freeze. Issues related to overdraft loans. Issues related to lending reform. Issues related to student financial aid.
Client expense: $140,000 · Firm income: Not reported
Government targets: Agency for Healthcare Research & Quality (AHRQ), Agriculture, Dept of (USDA), Centers For Medicare and Medicaid Services (CMS), Consumer Product Safety Commission (CPSC), Federal Communications Commission (FCC), Federal Trade Commission (FTC), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), SENATE
2008 · first_quarter · Banking
HR 5244, Credit Cardholders' Bill of Rights Act of 2008. S 2452, Home Ownership Preservation and Protection Act of 2007. HR 946, Consumer Overdraft Protection Fair Practices Act. S 2753, Credit Card Reform Act of 2008. Issues related to banking and financial privacy. Issues related to payday loans. Issues related to credit card reform. Issues related to security freeze. Issues related to overdraft loans. Issues related to student financial aid.
Client expense: $140,000 · Firm income: Not reported
Government targets: Agency for Healthcare Research & Quality (AHRQ), Agriculture, Dept of (USDA), Centers For Medicare and Medicaid Services (CMS), Consumer Product Safety Commission (CPSC), Federal Communications Commission (FCC), Federal Trade Commission (FTC), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), SENATE
2008 · third_quarter · Financial Institutions/Investments/Securities
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. 3221, 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; subprime mortgage regulation is H.R. 3915 and S. 2452; and economic stabilization is H.R. 1424.
Client expense: Not reported · Firm income: $80,000
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2008 · third_quarter · Banking
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. 3221, 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; subprime mortgage regulation is H.R. 3915 and S. 2452; and economic stabilization is H.R. 1424.
Client expense: Not reported · Firm income: $80,000
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2008 · second_quarter · Financial Institutions/Investments/Securities
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
2008 · second_quarter · Banking
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
2008 · second_quarter · Financial Institutions/Investments/Securities
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
2008 · second_quarter · Banking
H.R. 3915 - Mortgage Reform and Anti-Predatory-Amends the Truth in Lending Act to reform consumer mortgage practices and provide accountablity for such practices S. 2452 - Home Ownership Preservation and Protection Act-Amends the Truth in Lending Act to provide protection to consumers with respect to certain high-cost loans.
Client expense: $90,345 · Firm income: Not reported
Government targets: Commerce, Dept of (DOC), Energy, Dept of, Environmental Protection Agency (EPA), Federal Emergency Management Agency (FEMA), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Intl Trade Administration (ITA), Occupational Safety & Health Administration (OSHA), SENATE, Transportation, Dept of (DOT), Treasury, Dept of
2008 · fourth_quarter · Banking
HR 946: Overdraft Protection Fair Practices Act HR 3012: Fair Mortgage Practices Act of 2007 HRes 526: Whereas Homeownership is an important part of realizing the America Dream HR 3081: Fairness for Homeowners Act HR 1996: Preservation of Federalism in Banking HR 3296: Mortgage Broker Transparency and Accountability Act of 2007 HR 2871: Payday Loan Reform Act of 2007 HR 3017: Stop Fraud Act HR 2061: Predatory Mortgage Lending Practices Reduction Act HR 3133: Financial Literacy for Homeowners Act HR 1289: Community Reinvestment Modernization Act of 2007 HR 2146: Universal Default Prohibition Act of 2007 HR 1852: Expanding American Homeownership Act of 2007 HR 1752: Expanding American Homeownership Act of 2007 HR 1723: Fair FHA Appraisals Act of 2007 HR 3915: Mortgage Reform and Anti-Predatory Lending Act of 2007 HR 3837: Escrow, Appraisal, and Mortgage Servicing Improvements Act HR 3609: Emergency Home Ownership and Mortgage Equity Protection Act S 1386: Homeownership Protection and Enhancement Act of 2007 S 1299: Borrower's Protection Act of 2007 S 1309: Universal Default Prohibition Act of 2007 S 1222: Stop Fraud Act S 1395: Stop Unfair Practices in Credit Cards Act of 2007 S 947: 21st Century Housing Act S 1805: FHA Loan Limit Adjustment Act of 2007 S 2452: Home Ownership Preservation and Protection Act of 2007 S 2136: Helping Families Save Their Homes in Bankruptcy Act HR 3221: Foreclosure Prevention Act of 2008 HR 5830: FHA Housing Stabilization and Homeownership Retention Act HR 5776: Homeowner Empowerment Act HR 5679: Foreclosure Prevention and Sound Mortgage Servicing Act HR 5678: Neighborhood Rescue and Stabilization Act HR 5649: Home Owners' Loan Corporation for the 21st Century Act HR 5579: Emergency Mortgage Loan Modification Act HR 5572: Helping Communities Act HR 5500: Foreclosure Credit Forgiveness Act HR 3648: Mortgage Forgiveness Debt Relief Act S 2753: Credit Card Reform Act S 2595: S.A.F.E. Mortgage Licensing Act S 2542: Credit Card Minimum Payment Notification Act S 2455: Community Foreclosure Assistance Act S 2411: Credit Card Safety Star Act S 2153: Mortgage Disclosure Improvement Act S 2036: Protecting Access to Safe Mortgages Act HR 5244: Credit Cardholders' Bill of Rights Act HR 4135: Family Foreclosure Rescue Corporation Act HR 6076: Home Retention and Economic Stabilization Act of 2008 HR 6254: Temporary FHA Direct Endorsement Lender Participation Act of 2008 HR 1424: Emergency Economic Stabilization Act of 2008 HConRes 391: Recognizing the disparities that are associated with predatory lending abuses in minority communities and expressing the sense of the Congress that as new abuses continue to emerge, such laws should ensure that all those responsible for representing and protecting families have the authority to act to address these new problems HR 6312: Credit Union, Bank, and Thrift Regulatory Relief Act of 2008 S.3738: Home Retention and Economic Stabilization Act of 2008
Client expense: $300,000 · Firm income: Not reported
Government targets: Defense, Dept of (DOD), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Natl Credit Union Administration (NCUA), Office of Management & Budget (OMB), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of
2008 · fourth_quarter · Banking
Issues related to deposit/checking/savings accounts, mortgage loans, home equity lines of credit, student loans (public and private), bankruptcy reform, arbitration provisions in consumer contracts, and other issues which includes the following legislation: S. 1299 Borrowers Protection Act of 2007; H.R. 3012 Fair Mortgage Practices Act of 2007; H.R. 3081 Fairness for Homeowners Act of 2007; H.R. 3296 Mortgage Broker Transparency and Accountability Act of 2007; H.R. 3609 Emergency Home Ownership and Mortgage Equity Protection Act of 2007; S. 2136 Helping Families Save Their Homes in Bankruptcy Act of 2007; S. 2133 Homeowners Mortgage and Equity Savings Act of 2007; H.R. 946 Consumer Overdraft Protection Fair Practices Act; H.R. 3221 American Housing Rescue and Foreclosure Prevention Act of 2008; H.R. 3915 Mortgage Reform and Anti-Predatory Lending Act of 2007; S. 2452 Home Ownership Preservation and Protection Act of 2007; S. 2636 Foreclosure Prevention Act of 2008; H.R. 4044 National Guard and Reservists Debt Relief Act of 2008; H.R. 3010 Arbitration Fairness Act; H.R. 5312 Automobile Arbitration Fairness Act of 2008; H.R. 6126 Fairness in Nursing Home Arbitration Act of 2008; S. 2838 Fairness in Nursing Home Arbitration Act; H.R. 890 Student Loan Sunshine Act of 2007; S. 486 Student Loan Sunshine Act; H.R. 4137 College Opportunity and Affordability Act of 2007; S. 1642 Higher Education Amendments of 2007; H.R. 2669 College Cost Reduction and Access Act; H.R. 5715 Ensuring Continued Access to Student Loans Act of 2008; S. 2815 Strengthening Student Aid for All Act; and H.R. 5767 (no title bill to prohibit regulatory agencies from issuing rules on UIGEA); H.R. 1424 - Emergency Economic Stabilization Act. Issues related to credit card use including interchange which includes the following legislation: S. 1395 Stop Unfair Practices in Credit Cards Act of 2007; S. 1925 Student Credit Card Protection Act of 2007; S. 3252 Credit Card Accountability, Responsibility and Disclosure (Credit CARD) Act; H.R. 3347 Student Credit Card Protection Act of 2007; H.R. 5244 Credit Cardholders Bill of Rights Act of 2008; H.R. 5546 Credit Card Fair Fee Act of 2008; H.R. 6248 Credit Card Interchange Fees Act of 2008; and S. 3086 Credit Card Fair Fee Act of 2008 Issues related to consumer information, privacy, data security, restrictions on the use of data and privacy including the following legislation: H.R. 948 Social Security Number Protection At of 2007; S. 238 Social Security Number Misuse Prevention Act; S. 495 Personal Data Privacy and Security Act of 2007; S. 1178 Identity Theft Prevention Act; S. 2915 Safeguarding Social Security Numbers Act of 2008; H.R. 958 Data Accountability and Trust Act; H.R. 1685 Data Security Act of 2007; H.R. 1525 Internet Spyware (I-SPY) Prevention Act of 2007; H.R. 1685 Data Security Act of 2007; H.R. 3046 Social Security Number Privacy and Identify Theft Prevention Act of 2007; H.R. 3316 Identity Theft Protection Act of 2007; H.R. 5324 Social Security Number Misuse Prevention Act; and S. 2661 Anti-Phishing Consumer Protection Act of 2008.
Client expense: $510,000 · Firm income: Not reported
Government targets: Defense, Dept of (DOD), Education, Dept of, Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of
2008 · second_quarter · Banking
S.1386 "Homeownership Protection and Enhancement Act of 2007" S.2452 "Home Ownership Preservation and Protection Act of 2007" HR 3221Housing and Economic Recovery Act of 2008 HR 5830 FHA Housing Stabilization and Homeownership Retention Act of 2008 For the above mortgage related legislation, interest is in provisions having to do with mortgage securitization and servicing HR 5546 Credit Card Fair Fee Act of 2008 HR 5244 The Credit Cardholders Bill of Rights For the above credit card legislation interest is in provisions related to lending terms or system charges S.2191 Americas Climate Security Act of 2007 For the above climate change legislation interest is in emissions cap and trade
Client expense: $570,000 · Firm income: Not reported
Government targets: Federal Deposit Insurance Corporation (FDIC), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Office of Thrift Supervision (OTS), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of, White House Office
2008 · fourth_quarter · Financial Institutions/Investments/Securities
Regulation of U.S. securities markets, including market structure and exchange-traded funds. Securitization of mortgages, including H.R.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." Financial system stability and liquidity, including HR 1424, the "Emergency Economic Stabilization Act of 2008."
Client expense: Not reported · Firm income: $30,000
Government targets: HOUSE OF REPRESENTATIVES, SENATE, Securities & Exchange Commission (SEC)
2008 · fourth_quarter · Housing
H.R.3221 Foreclosure Prevention Act of 2008 / American Housing Rescue and Foreclosure Prevention Act of 2008 S.2452 - Home Ownership Preservation and Protection Act of 2007 H.R.3915 - Mortgage Reform and Anti-Predatory Lending Act of 2007
Client expense: $690,000 · Firm income: Not reported
Government targets: Executive Office of the President (EOP), HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of
2008 · fourth_quarter · Banking
H.R. 3915 Mortgage Reform and Anti-predatory Lending Act of 2007; provisions relating to registration & licensing for federally-chartered thrifts, mortgage lending standards, and securitization H.R. 3997 Emergency Economic Stabilization Act of 2008; entire bill H.R. 5244 - Credit Cardholders' Bill of Rights Act of 2008; entire bill H.R. 5546 Credit Card Fair Fee Act of 2008; provisions relating to interchange fees H.R. 6312 - Credit Union, Bank, and Thrift Regulatory Relief Act of 2008; provisions relating to thrifts S. 1299 Borrowers Protection Act of 2007; entire bill S. 2452 - Home Ownership Preservation & Protection Act of 2007; provisions relating to lending activities of federally-chartered thrifts S. 2753 - Credit Card Reform Act of 2008; entire bill S. 3086 - Credit Card Fair Fee Act of 2008; provisions relating to interchange fees P.L. 110-289 Housing and Economic Recovery Act of 2008; provisions relating to licensing and registration requirements for federally-chartered thrifts, taxes, reverse mortgages
Client expense: $160,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2008 · fourth_quarter · Banking
S. 163, Small Business Disaster Response and Loan Improvements Act of 2007 (all provisions) S. 413, Community Choice in Real Estate Act (all provisions) S. 869, The COMPETE Act of 2007 (all provisions) S. 927, Catastrophe Savings Accounts Act of 2007 (all provisions) S. 1176, the Credit Card Minimum Payment Warning Act (all provisions) S. 1299, Borrowers Protection Act of 2007 (all provisions) S. 1309, the Universal Default Prohibition Act of 2007 To amend the Truth in Lending Act to prohibit universal defaults on credit card accounts S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007 (all provisions) S. 2036, the Protecting Access to Safe Mortgages Act (all provisions) S. 2169, the Promoting Refinancing Opportunities for Mortgages Impacted by the Subprime Emergency Act of 2007 (all provisions) S. 2452, the Home Ownership Preservation and Protection Act of 2007 (all provisions) S. 2636, the Foreclosure Prevention Act of 2008 (all provisions, including mortgage-bankruptcy, credit counseling, adjustments to mortgage bonds, and net operating loss carry-back provisions) S. 2753, the Credit Card Reform Act of 2008 (all provisions) S. 2957, the Credit Union Regulatory Improvements Act of 2007 (all provisions) S. 3086, the Credit Card Fair Fee Act of 2008 (all provisions) S. 3252, the Credit CARD Act of 2008 (all provisions) S. 3287, the Protecting Consumers from Unreasonable Credit Rates Act of 2008 (all provisions) H.Res. 526, expressing the sense of the House that Government action should be taken that protects buyers from unscrupulous mortgage brokers and lenders H.R. 41, the Business Checking Fairness Act of 2007 (all provisions) H.R. 111, the Community Choice in Real Estate Act (all provisions) H.R. 873, the Credit Card Payment Fee Act of 2007 To amend the Truth in Lending Act to prohibit fees by creditors for payments on credit card accounts by electronic fund transfers Proposed Fair Credit for Families legislation to create a Financial Product Safety Commission, establish a 30 percent cap on annual credit card interest rates, require clearer disclosures on credit card terms and fees, and provide more funds to promote financial literacy. H.R. 946, the Consumer Overdraft Protection Fair Practices Act To extend the protections of the Truth in Lending Act to overdraft protection programs and services provided by depository institutions H.R. 1066, the Depository Institution Community Development Investments Enhancement Act (all provisions) H.R. 1314, the Photo Identification Security Act (all provisions) H.R. 1361, the Relief for Entrepreneurs: Coordination of Objectives and Values for Effective Recovery Act of 2007 (RECOVER Act) (all provisions) H.R. 1461, the Consumer Credit Protection Act (all provisions) H.R. 1508, the Compete Act of 2007 (all provisions) H.R. 1510, the Credit Card Repayment Act of 2007 (all provisions) H.R. 1515, the Housing and Community Development Act of 1974 to treat certain communities as metropolitan cities for purposes of the community development block grant program (all provisions) H.R. 1787, the Catastrophe Savings Accounts Act of 2007 (all provisions) H.R. 1849, the Credit Union Small Business Lending Act (all provisions) H.R. 2146, the Universal Default Prohibition Act of 2007 To amend the Truth in Lending Act to prohibit universal defaults on credit card accounts H.R. 2911, the Electronic Funds Transfer Equal Consumer Protection Act (all provisions) H.R. 3012, the Fair Mortgage Practices Act of 2007 (all provisions) H.R. 3221, the American Housing Rescue and Foreclosure Prevention Act of 2008 (all provisions) H.R. 3526, to include all banking agencies within the existing regulatory authority under the Federal Trade Commission Act with respect to depository institutions (all provisions) H.R. 3837, the Escrow, Appraisal, and Mortgage Servicing Improvements Act (all provisions H.R. 3838, to temporarily increase the portfolio caps applicable to Freddie Mac and Fannie Mae, to provide the necessary financing to curb foreclosures by facilitating the refinancing of at-risk subprime borrowers into safe, affordable loans (all provisions) H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007 (all provisions) H.R. 4049, the Money Service Business Act of 2007 (all provisions) H.R. 5244, the Credit Cardholders Bill of Rights Act of 2008 (all provisions) H.R. 5546, the Credit Card Fair Fee Act of 2008 (all provisions) H.R. 5633, the Nondiscriminatory Use of Consumer Reports and Consumer Information Act of 2008 (all provisions to modify the Fair Credit Reporting Act) Proposals to address anticipated mortgage foreclosures Proposals to address predatory lending practices in the subprime mortgage market Proposal to freeze interest rates on certain subprime mortgage loans Frank-Schumer GSE cap increase bill Dodd-Frank proposed foreclosure prevention legislation that would provide federal funds to state housing authorities for buying foreclosed properties and Federal Housing Administration guarantees for refinancing distressed mortgages. Frank proposal to create a financial services risk regulator. Discussions of reform of Anti-Money-Laundering programs. General proposals to restructure the financial services regulatory structure. Deposit insurance policies. Programs to bring people into the financial mainstream. Bank examination practices and policies. Proposal regarding garnishment of federal benefits payments. Prepared for meeting with Senate staff on the health of the industry, housing and FDIC. Fannie Mae and Freddie Mac preferred stock issues. H.R. 6871, the Expedited Funds Availability Dollar Limits Adjustment Act of 2008 H.R. 7326, the Systematic Foreclosure Prevention and Mortgage Modification Act (to establish a systematic mortgage modification program at the FDIC) (all provisions)
Client expense: $1,930,000 · Firm income: Not reported
Government targets: Defense, Dept of (DOD), Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Justice, Dept of (DOJ), Labor, Dept of (DOL), Office of Management & Budget (OMB), SENATE, Social Security Administration (SSA), Treasury, Dept of, White House Office
2008 · fourth_quarter · Banking
1) Reform Credit Card Practices. Provided comments to hill, signed letters, lobbied on all aspects of legislation and proposed regulations pertaining to reform of unfair practices of credit card industry. testified in previous quarters. Bills include S 1395, Stop Unfair Practices in Credit Cards Act, S 2753, Credit Card Reform Act, HR 5244, Credit Cardhholders Bill of Rights Act, HR 2146 Universal Default Prohibition Act and HR 5546, Credit Card Fair Fee Act. 2) Reform Mortgage Practices and Reform Financial Services Regulation. Provided comments to hill, signed letters, lobbied on all aspects of legislation and proposed regulations pertaining to reform of mortgage and predatory lending. Bills included HR 1424, Emergency Economic Stabilization Act of 2008 (and related bills); S 2452, Home Ownership Preservation and Protection Act and HR 3915. Mortgage Reform and Anti-Predatory Lending Act.
Client expense: $70,000 · Firm income: Not reported
Government targets: Consumer Product Safety Commission (CPSC), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Natl Credit Union Administration (NCUA), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Transportation, Dept of (DOT)
2008 · fourth_quarter · Banking
H.R.3609, Emergency Home Ownership and Mortgage Equity Protection Act of 2007, Subprime lending, mortgage and foreclosure related issues. S.2136, Helping Families Save Their Homes in Bankruptcy Act of 2007, Subprime lending, mortgage and foreclosure related issues. H.R.3221/S.2636, Foreclosure Prevention Act of 2008, Subprime lending, mortgage and foreclosure related issues. H.R.3778/S.2133, HOMES Act, Subprime lending, mortgage and foreclosure related issues. H.R.5579, Emergency Mortgage Loan Modification Act of 2008, Subprime lending, mortgage and foreclosure related issues. S. 2452, Home Ownership Preservation and Protection Act of 2007, Subprime lending, mortgage and foreclosure related issues. H.R.3997, Emergency Economic Stabilization Act, Subprime lending mortgage and foreclosure related issues.
Client expense: Not reported · Firm income: $30,000
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2008 · fourth_quarter · Bankruptcy
H.R.3609, Emergency Home Ownership and Mortgage Equity Protection Act of 2007, Subprime lending, mortgage and foreclosure related issues. S.2136, Helping Families Save Their Homes in Bankruptcy Act of 2007, Subprime lending, mortgage and foreclosure related issues. H.R.3221/S.2636, Foreclosure Prevention Act of 2008, Subprime lending, mortgage and foreclosure related issues. H.R.3778/S.2133, HOMES Act, Subprime lending, mortgage and foreclosure related issues. H.R.5579, Emergency Mortgage Loan Modification Act of 2008, Subprime lending, mortgage and foreclosure related issues. S. 2452, Home Ownership Preservation and Protection Act of 2007, Subprime lending, mortgage and foreclosure related issues. H.R.3997, Emergency Economic Stabilization Act, Subprime lending mortgage and foreclosure related issues.
Client expense: Not reported · Firm income: $30,000
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2008 · fourth_quarter · Housing
H.R.3609, Emergency Home Ownership and Mortgage Equity Protection Act of 2007, Subprime lending, mortgage and foreclosure related issues. S.2136, Helping Families Save Their Homes in Bankruptcy Act of 2007, Subprime lending, mortgage and foreclosure related issues. H.R.3221/S.2636, Foreclosure Prevention Act of 2008, Subprime lending, mortgage and foreclosure related issues. H.R.3778/S.2133, HOMES Act, Subprime lending, mortgage and foreclosure related issues. H.R.5579, Emergency Mortgage Loan Modification Act of 2008, Subprime lending, mortgage and foreclosure related issues. S. 2452, Home Ownership Preservation and Protection Act of 2007, Subprime lending, mortgage and foreclosure related issues. H.R.3997, Emergency Economic Stabilization Act, Subprime lending mortgage and foreclosure related issues.
Client expense: Not reported · Firm income: $30,000
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2008 · fourth_quarter · Banking
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
2008 · fourth_quarter · Banking
Appraisal: H.R. 2061 - Predatory Mortgage Lending Practices Act Responsible Lending: H.R. 3915 - The Mortgage Reform and Anti-Predatory Lending Act of 2007 H.R. 3725 - The Mortgage Disclosure Simplification Act of 2007 S. 2153 - The Mortgage Disclosure Simplification Act of 2007 H.R. 3705 - Fair Disclosure for Homeowners Act of 2007 S. 2114 - American Home Ownership Preservation Act of 2007 H.R. 3705 - Fair Disclosure for Home Owners Act of 2007 H.R. 3296 - Mortgage Broker Transparency & Accountability Act of 2007 H.R. 2061 - Predatory Mortgage Lending Practices Reduction Act S. 1299 - Borrower's Protection Act of 2007 S. 2452 - Home Ownership Preservation and Protection Act of 2007 Separation of Banking & Commerce: H.R. 111 - Community Choice in Real Estate Act S. 413 - Community Choice in Real Estate Act Identity Verification: H.R. 480 - To amend the Truth in Lending Act to prohibit issuance of residential mortgages to any individual who lacks a Social Security account number. RESPA Reform: H.R. 3915 - Mortgage Reform and Anti-Predatory Lending Act of 2007 (Sections Pertaining to Real Estate Settlement) Consulation with HUD, OMB, and House of Representatives Regarding GFEs and HUD-1 Standards Money Laundering: Disscusion with Treasury Regarding Potential Regulation of Financial Action Task Force (FATF) Guideliness Government Purchase of Troubled Mortgage Assets: H.R. 3997 - Emergency Economic Stabilization Act of 2008 H.R. 1424 - Emergency Economic Stabilization Act of 2008
Client expense: $6,520,000 · Firm income: Not reported
Government targets: Agriculture, Dept of (USDA), Army, Dept of (Corps of Engineers), Bureau of Land Management (BLM), Environmental Protection Agency (EPA), Farm Credit Administration, Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Interior, Dept of (DOI), Internal Revenue Service (IRS), Labor, Dept of (DOL), Office of Management & Budget (OMB), SENATE, Small Business Administration (SBA), Treasury, Dept of, U.S. Agency for International Development (USAID), Veterans Affairs, Dept of (VA), White House Office
2008 · second_quarter · Housing
Continued and strengthened enforcement of Fair Housing Laws; equal access to adequate and affordable housing for all Americans. End homelessness. Support an Affordable Housing Trust Fund (H.R. 2895 / in Senate version of H.R. 3221). Ensure adequate housing for low-income people displaced by Hurricane Katrina. End the mortgage foreclosure crisis. Support H.R. 1427, H.R. 1227, H.R. 840, H.Res. 526, H.R. 1851, H.R. 2895, S. 2452, H.R. 3915 with strengthening amendments. Support H.R. 5830. Support H.R. 3221 in the Senate, H.R. 5818. Support the Affordable Housing Trust Fund in H.R. 3221; support funding for the Affordable Housing Trust Fund in HR 1424.
Client expense: $50,000 · Firm income: Not reported
Government targets: Agriculture, Dept of (USDA), Centers For Disease Control & Prevention (CDC), Commerce, Dept of (DOC), Defense, Dept of (DOD), Education, Dept of, Environmental Protection Agency (EPA), Equal Employment Opportunity Commission (EEOC), Federal Bureau of Investigation (FBI), Federal Communications Commission (FCC), Federal Emergency Management Agency (FEMA), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Interior, Dept of (DOI), Justice, Dept of (DOJ), Labor, Dept of (DOL), Office of Personnel Management (OPM), SENATE, Small Business Administration (SBA), Social Security Administration (SSA), State, Dept of (DOS), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Commission on Civil Rights, U.S. Trade Representative (USTR), Voice of America, White House Office
2008 · second_quarter · Financial Institutions/Investments/Securities
End predatory lending, including pay-day lending, and ensure equal access to fair credit and main-stream financial insitutions by all Americans. Ease the home forclosure crisis. Support H.R. 1427; support H.Con.Res. 140 Support S. 2452; support strengthening amendments to H.R. 3915. Support a moratorium on foreclosures, support H.R. 6076; support H.R. 5830. Oppose "vulture funds". Support debt relief for poor nations, a.k.a. the Jubilee Act, H.R. 2634 / S. 2166. Support expansion of FHA loans to ease the foreclosure crisis, H.R. 3221 / H.R. 5830, support increasing funds for states and local communities to deal with foreclosed homes, support H.R. 5818. Reform the mortgage servicers industry so that more loans are modified and fewer homes are foreclosed upon. Support H.R. 5679. Try to ensure that homeowner facing foreclosure are not forgotten in the Wall Street bailout (H.R. 1424). Try to stop abusive credit card practices (support H.R. 5244).
Client expense: $50,000 · Firm income: Not reported
Government targets: Agriculture, Dept of (USDA), Centers For Disease Control & Prevention (CDC), Commerce, Dept of (DOC), Defense, Dept of (DOD), Education, Dept of, Environmental Protection Agency (EPA), Equal Employment Opportunity Commission (EEOC), Federal Bureau of Investigation (FBI), Federal Communications Commission (FCC), Federal Emergency Management Agency (FEMA), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Interior, Dept of (DOI), Justice, Dept of (DOJ), Labor, Dept of (DOL), Office of Personnel Management (OPM), SENATE, Small Business Administration (SBA), Social Security Administration (SSA), State, Dept of (DOS), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Commission on Civil Rights, U.S. Trade Representative (USTR), Voice of America, White House Office
2008 · second_quarter · Banking
Eliminate predatory lending; ensure equal access to financial services to all Americans. Eliminate disparities in credit reporting. Ease home mortgage foreclosure crisis, H.R. 5830 and H.R. 5818, and H.R. 3221. Eliminate pay day lending (concerns about H.R. 6312). Support S. 2452; support strengthening amendments to H.R. 3915. Support a foreclosure moratorium (H.R. 6076). Reform the mortgage servicers industry so that more loans are modified and fewer homes are foreclosed upon. Support H.R. 5679. Try to ensure that homeowner facing foreclosure are not forgotten in the Wall Street bailout (H.R. 1424). Try to stop abusive credit card practices (support H.R. 5244).
Client expense: $50,000 · Firm income: Not reported
Government targets: Agriculture, Dept of (USDA), Centers For Disease Control & Prevention (CDC), Commerce, Dept of (DOC), Defense, Dept of (DOD), Education, Dept of, Environmental Protection Agency (EPA), Equal Employment Opportunity Commission (EEOC), Federal Bureau of Investigation (FBI), Federal Communications Commission (FCC), Federal Emergency Management Agency (FEMA), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Interior, Dept of (DOI), Justice, Dept of (DOJ), Labor, Dept of (DOL), Office of Personnel Management (OPM), SENATE, Small Business Administration (SBA), Social Security Administration (SSA), State, Dept of (DOS), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Commission on Civil Rights, U.S. Trade Representative (USTR), Voice of America, White House Office
2008 · fourth_quarter · Banking
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
2008 · fourth_quarter · Financial Institutions/Investments/Securities
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
2008 · fourth_quarter · Banking
FHA and GSE reform and modernization, FHA and GSE loan limits, mortgage broker participation in FHA. Mortgage reform: Combating Predatory Lending, Preserving Yield Spread Premium, regulating mortgage originators (H.R. 3915/S. 2452/S. 2595); HR 1424 Emergency Economic Stabilization Act of 2008. Foreclosure Prevention, TARP Oversight.
Client expense: Not reported · Firm income: $20,000
Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE
2008 · fourth_quarter · Housing
FHA and GSE reform and modernization, FHA and GSE loan limits, mortgage broker participation in FHA. Mortgage reform; Combating Predatory Lending, Preserving Yield Spread Premium, regulating mortgage originators (H.R. 3915/S. 2452/S. 2595); HR 1424 Emergency Economic Stabilization Act of 2008. Foreclosure Prevention, TARP Oversight.
Client expense: Not reported · Firm income: $20,000
Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE
2008 · fourth_quarter · Financial Institutions/Investments/Securities
Regulation of predatory lending, including securitization of mortgages, 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." Mortgage servicing and modifications of mortgages. Financial system stability and liquidity, including HR 1424, the "Emergency Economic Stabilization Act of 2008."
Client expense: Not reported · Firm income: $45,000
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2008 · fourth_quarter · Housing
Regulation of predatory lending, including securitization of mortgages, 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." Mortgage servicing and modifications of mortgages.
Client expense: Not reported · Firm income: $45,000
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2008 · third_quarter · Housing
Regulation of predatory lending, including securitization of mortgages, 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." Mortgage servicing and modifications of mortgages.
Client expense: Not reported · Firm income: $45,000
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2008 · third_quarter · Financial Institutions/Investments/Securities
Regulation of predatory lending, including securitization of mortgages, 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." Mortgage servicing and modifications of mortgages. Financial system stability and liquidity, including HR 1424, the "Emergency Economic Stabilization Act of 2008."
Client expense: Not reported · Firm income: $45,000
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2008 · fourth_quarter · Banking
Regulation of predatory lending, including securitization of mortgages, 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." Financial system stability and liquidity, including HR 1424, the "Emergency Economic Stabilization Act of 2008."
Client expense: Not reported · Firm income: $20,000
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2008 · fourth_quarter · Financial Institutions/Investments/Securities
Regulation of predatory lending, including securitization of mortgages, 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." Mortgage servicing and modifications of mortgages. Financial system stability and liquidity, including HR 1424, the "Emergency Economic Stabilization Act of 2008."
Client expense: Not reported · Firm income: $20,000
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2008 · fourth_quarter · Housing
Regulation of predatory lending, including securitization of mortgages, 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." Mortgage servicing and modifications of mortgages.
Client expense: Not reported · Firm income: $20,000
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2008 · fourth_quarter · Banking
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
2008 · fourth_quarter · Financial Institutions/Investments/Securities
Proposals on Estate and Gift Tax Reform; Proposal to require cost-basis reporting; Elimination of Soft Dollars; HR 3915 the Mortgage Reform and Anti-Predatory Legacy Act of 2007 (all provisions); S2452, the Home Ownership Preservation and Protection Act of 2007(all provisions); List continues on Page 3. S.761, America Competes Act (Section 5007) H.R. 1171, Money Market Fund Parity Act of 2007 (all provisions) H.R. 3225, Mutual Fund Sec Reform Act (all provisions) S.1624, A bill to amend the Internal Revenue Code of 1986 to provide that the exception from treatment of publicly traded partnerships as corporations for partnerships with passive-type income shall not apply to partnerships directly or indirectly deriving income from providing investment adviser and related asset management services (all provisions) H.R. 2834, To amend the Internal Revenue Code of 1986 to treat income received by partners for performing investment management services as ordinary income received for the performance of services (all provisions) H.R. 2761, Terrorism Risk Insurance Revision and Extension Act of 2007 H.R. 5720, Housing Assistance Tax Act of 2008 (all provisions) Municipal Securities Markets Mutual Recognition Regulatory Restructuring (Securities and Commodities Issues) H.R. 5715, Ensuring Continued Access to Student Loans Act of 2008 (all provisions) H.R. 1424, the Emergency Economic Stabilization Act of 2008 (all provisions including Treasury asset-purchase proposal, business tax provisions, FDIC coverage, SEC Rules, accounting provisions, revenue offsets, GSE preferred stock tax accounting rules, proposed bankruptcy provisions) H.R. 3997, the Emergency Economic Stabilization Act of 2008 (all provisions including Treasury asset-purchase proposal, business tax provisions, FDIC coverage, SEC Rules, accounting provisions, revenue offsets, GSE preferred stock tax accounting rules, proposed bankruptcy provisions) S. 2169 the Promoting Refinancing Opportunities for Mortgages Impacted by the Subprime Emergency Act of 2007 (all provisions) S. 2636 The Foreclosure Prevention Act of 2008 Proposals to address anticipated mortgage foreclosures Proposals to address predatory lending practices in the subprime mortgage market H.R. 6659 The Equal Treatment of Covered Bonds Act of 2008 S. 3268, The Commodity Markets Transparency and Accountability Act of 2008 H.R. 6604. the Commodity Markets Transparency and Accountability Act of 2008 H.R. 3691 A bill to Amend the Commodity Exchange Act to require reporting and record keeping for positions involving credit default swaps, to grow the Federal Reserve Board authority over investment-bank holding companies, and for other purposes.
Client expense: $16,950 · Firm income: Not reported
Government targets: 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
2008 · fourth_quarter · Housing
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
2008 · fourth_quarter · Banking
Issues related to traditional banking, checking and savings accounts, mortgage loans, home equity lines of credit and other issues including the following legislation: S.1299 - Borrower's 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; H.R.946 - Consumer Overdraft Protection Fair Practices Act; S.2133 - HOMES Act; H.R.3221 - American Housing Rescue and Foreclosure Prevention Act of 2008; H.R.3778 - HOMES Act; H.R.3915 - Mortgage Reform and Anti-Predatory Lending Act of 2007; S.1222 - STOP FRAUD Act; S.2452 - Home Ownership Preservation and Protection Act of 2007; S.2636 - Foreclosure Prevention Act of 2008; H.R.3997 - Heroes Earnings Assistance and Relief Tax Act of 2007; and H.R.1424 - To provide authority for the Federal Government to purchase and insure certain types of troubled assets for the purposes of providing stability to and preventing disruption in the economy and financial system and protecting taxpayers, to amend the Internal Revenue Code of 1986 to provide incentives for energy production and conservation, to extend certain expiring provisions, to provide individual income tax relief, and for other purposes.
Client expense: $340,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2008 · fourth_quarter · Financial Institutions/Investments/Securities
H.R 1424, "The Emergency Economic Stabilization Act of 2008," issues related to the financial services industry. H.R. 3221, "American Housing Rescue and Foreclosure Prevention Act of 2008," issues related to the financial services industry. S. 2452, "Homeownership Preservation and Protection Act of 2007," issues related to mortgage lending. H.R. 4019, "Mortgage Disclosure Improvement Act of 2007," issues related to mortgage disclosures. S. 2153, "Mortgage Disclosure Improvement Act of 2007," issues related to mortgage disclosures. S. 2595, "Secure and Fair Enforcement for Mortgage Licensing Act of 2008, or S.A.F.E. Mortgage Licensing Act of 2008," issues related to the licensing of loan originators. H.R. 5140, "Economic Stimulus Act of 2008;" issues related to mortgage lending. H.R. 5818, "Neighborhood Stablization Act of 2008," issues related to mortgage lending. H.R. 5579, "Emergency Mortgage Loan Modification Act of 2008," issues related to mortgage lending. H.R. 5830, "FHA Housing Stabilization and Homeowner Retention Act of 2008," issues related to mortgage lending. H.R. 5679, "The Foreclosure Prevention and Sound Mortgage Servicing Act of 2008," issues related to mortgage lending. H.R. 634, "The Federal Housing Finance Regulatory Reform Act of 2008," issues related to mortgage lending. H.R. 3121, "Flood Insurance Reform and Modernization Act of 2007," issues related to flood insurance. H.R. 3355, "Homeowners' Defense Act of 2007," issues related to flood insurance. S. 1222, "Stopping Mortgage Transactions which Operate to Promote Fraud, Risk, Abuse and Underdevelopment Act, or the STOP FRAUD Act," issues related to mortgage lending," issues related to mortgage lending S. 1299, "Borrower's Protection Act of 2007," issues related to mortgage lending H Con Res 127, "Supporting home ownership and responsible lending," issues related to mortgage lending H.R. 2061, "Predatory Mortgage Lending Practices Reduction Act," issues related to mortgage lending H.R. 698, "Industrial Bank Holding Company Act of 2007," issues related to Industrial Loan Companies S. 1356, "Industrial Bank Holding Company Act of 2007," issues related to Industrial Loan Companies H.R. 3081, Fairness for Homeowners Act of 2007," issues related to the Truth in Lending Act (TILA). H.R. 3012, "Fair Mortgage Practices Act of 2007," issues related to mortgage fraud. Issues related to the current financial crisis, TARP, the Federal Reserve's proposed changes to the HOEPA and Reg C regulations, RESPA, the HOPE NOW Alliance, FHASecrure, HOPE for Homeowners, mortgage-backed securities, Truth in Lending Act, mortgage, reform, mortgage broker compensation, subprime lending, privacy, issues related to mortgage broker licensing, secondary mortgage market, issues related to the Home Mortgage Disclosure Act ("HMDA"), provisions relating to notices and disclosures to be given to mortgage borrowers, issues relating to the preemptive authority of the Office of the Comptroller of the Currency, issues related to the NY Attorney General's Agreement with the GSEs on appraisals, issues related to credit rating agencies, issues related to Mark to Market accounting.
Client expense: Not reported · Firm income: $240,000
Government targets: Executive Office of the President (EOP), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Natl Credit Union Administration (NCUA), Office of Management & Budget (OMB), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of
2008 · fourth_quarter · Housing
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