Reverse Mortgage Proceeds Protection Act

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

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

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

H.R. 1525 - Internet Spyware (I-SPY) Prevention Act of 2007. Issue: Privacy Financial Information. H.R. 948 - The Social Security Number Protection Act of 2007. Issue: Privacy Financial Information. H.R. 1065 - The Non - Admitted and Reinsurance Reform Act of 2007. Issue: Reinsurance; Regulatory Reform. S. 239 - Notification of Risk to Personal Data Act of 2007. Issue: Privacy Financial Information. S. 495 - The Personal Data Privacy and Security Act of 2007. Issue: Privacy Financial Information. S. 1202 - The Personal Data Protection Act of 2007. Issue: Privacy Financial Information. S. 1865 - Life Insurance Fairness for Travelers Act of 2007. Issue: Travel Underwriting. S. 1178 - The Identity Theft Prevention Act of 2007. Issue: Privacy Financial Information. S. 1260 - Data Security Act of 2007. Issue: Privacy Financial Information. S. 40 - The National Insurance Act of 2007. Issues: Optional Federal Charter; Regulatory Reform. H.R. 964 - Securely Protect Yourself Against Cyber Trespass Act. Issue: Privacy Financial Information. H.R 1081/S 618 - Insurance Industry Competition Act of 2007. Issue: Regulatory Reform. H.R. 3200 - The National Insurance Act of 2007. Issues: OFC; Reg. Reform. H.R. 3046 - The Social Security Number Privacy and ID Theft Prevention Act of 2007 S. 1814 - Health Information Privacy and Security Act. Issue: Privacy Medical Information. S. 1693 - Wired for Health Care Quality Act. Issue: Privacy Medical Information. H.R. 5611 National Association of Registered Agents and Brokers Reform Act of 2008. Issue: Regulatory Reform. S. RES. 603 - Expressing the sense of the Senate on the restitution of or compensation for property seized during the Nazi and Communist eras. Issue: Holocaust claims. H.R. 3221 Foreclosure Prevention Act of 2008. Issue: Reverse Mortgage. S. 2490 Reverse Mortgage Proceeds Protection Act. Issue: Reverse Mortgage. H.R. 5792 Increasing Insurance Coverage Options for Consumers Act of 2008. Issue: Regulatory Reform. H.R. 6357 Protecting Records, Optimizing Treatments, and Easing Communications Through Healthcare Technology Act of 2008 (ProTECHt Act). Issue: Privacy; Medical Records. H.R. 5840 Insurance Information Act of 2008. Issue: Regulatory Reform. H.R. 1424 Emergency Economic Stabilization Act of 2008. Issue: Regulatory Reform; mark to market accounts, congressional oversight board.

H.R. 1525 - Internet Spyware (I-SPY) Prevention Act of 2007. Issue: Privacy Financial Information. H.R. 948 - The Social Security Number Protection Act of 2007. Issue: Privacy Financial Information. H.R. 1065 - The Non - Admitted and Reinsurance Reform Act of 2007. Issue: Reinsurance; Regulatory Reform. S. 239 - Notification of Risk to Personal Data Act of 2007. Issue: Privacy Financial Information. S. 495 - The Personal Data Privacy and Security Act of 2007. Issue: Privacy Financial Information. S. 1202 - The Personal Data Protection Act of 2007. Issue: Privacy Financial Information. S. 1865 - Life Insurance Fairness for Travelers Act of 2007. Issue: Travel Underwriting. S. 1178 - The Identity Theft Prevention Act of 2007. Issue: Privacy Financial Information. S. 1260 - Data Security Act of 2007. Issue: Privacy Financial Information. S. 40 - The National Insurance Act of 2007. Issues: Optional Federal Charter; Regulatory Reform. H.R. 964 - Securely Protect Yourself Against Cyber Trespass Act. Issue: Privacy Financial Information. H.R 1081/S 618 - Insurance Industry Competition Act of 2007. Issue: Regulatory Reform. H.R. 3200 - The National Insurance Act of 2007. Issues: OFC; Reg. Reform. H.R. 3046 - The Social Security Number Privacy and ID Theft Prevention Act of 2007 S. 1814 - Health Information Privacy and Security Act. Issue: Privacy Medical Information. S. 1693 - Wired for Health Care Quality Act. Issue: Privacy Medical Information. H.R. 5611 National Association of Registered Agents and Brokers Reform Act of 2008. Issue: Regulatory Reform. S. RES. 603 - Expressing the sense of the Senate on the restitution of or compensation for property seized during the Nazi and Communist eras. Issue: Holocaust claims. H.R. 3221 Foreclosure Prevention Act of 2008. Issue: Reverse Mortgage. S. 2490 Reverse Mortgage Proceeds Protection Act. Issue: Reverse Mortgage. H.R. 5792 Increasing Insurance Coverage Options for Consumers Act of 2008. Issue: Regulatory Reform. H.R. 6357 Protecting Records, Optimizing Treatments, and Easing Communications Through Healthcare Technology Act of 2008 (ProTECHt Act). Issue: Privacy; Medical Records. H.R. 5840 Insurance Information Act of 2008. Issue: Regulatory Reform. H.R. 1424 Emergency Economic Stabilization Act of 2008. Issue: Regulatory Reform; mark to market accounts, congressional oversight board.

Privacy, Security Breach: HR 493; HR 948; HR 3046; HR 3541; HR 6357; S 495; S 1260; S 1178; S 1693; S 2096; S 2168. Senior Protection Act: S 2490; S 2794. Building Codes: HR 4461; S 2458. Outsourcing: HR 4241.

Client expense: $1,420,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of, U.S. Trade Representative (USTR)

Privacy, Security Breach: HR 493; HR 948; HR 3046; HR 3541; S 495; S 1260; S 1178; S 1693; S 2096; S 2168. Senior Protection Act: S 2794; S 2490. Building Codes: HR 4461; S 2458. Outsourcing: HR 4241.

Client expense: $1,280,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of, U.S. Trade Representative (USTR)

Privacy, Security Breach (S. 1693, H.R. 6357); Senior Protection Act (S. 2794, S. 2490)

Client expense: $1,090,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S. 2490 Reverse Mortgage Proceeds Protection Act H.R. 5758 Reverse Mortgage Proceeds Protection Act HR 5796 Foreclosure Prevention Act of 2008 H.R.2638 Consolidated Security, Disaster Assistance, and Continuing Appropriations Act, 2009

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S. 2338 FHA Modernization Act of 2007 H.R. 1852 Expanding American Homeownership Act of 2007 S. 2636 Foreclosure Prevention Act of 2008/ H.R.3221 American Housing Rescue and Foreclosure Prevention Act of 2008 (Public Law 110-289) H.R.1424 Emergency Economic Stabilization Act of 2008 S. 2490 Reverse Mortgage Proceeds Protection Act H.R. 5758 Reverse Mortgage Proceeds Protection Act

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HR 3548 Plain Language in Government Communications Act - Provisions related to detering predatory lending practices and helping to protect older homeowners from foreclosure. HR 5818 Neighborhood Stablization Act - Lobbied to help prevent older homeowners from losing their homes to foreclosure. . S 2636 Foreclosure Prevention Act of 2008 - All provisions in Title IV related to allowing bankruptcy judges to restructure subprime mortgage debt for primary residences; lobbied the bill to help prevent older homeowners from losing their homes to foreclosure HR 3609 Emergency Home Ownership and Mortgage Equity Protection Act of 2007- Provisions related to allowing judges to modify the terms of mortages in bankruptcy to reduce foreclosures. S. 2684 Section 8 Voucher Reform Act of 2008 - Provisions related to stabilizing the funding formula for Section 8 Vouchers to provide more affordable housing options for our members and their families. HR 5758/S. 2490 Reverse Mortgage Proceeds Protection Act - Supported passage of this bill and House companion bill to better prevent reverse mortgage borrowers from fraud and abuse. HR 1852/S 2338 Expanding American Homeownership - Lobbied to expand the FHA-insured reverse mortgage program while limiting origination fees charged by lenders. HR 3221 Housing and Economic Recovery Act - Lobbied (1) to include mandatory loan modification mechansm for borrowers facing foreclosure, (2) to expand the FHA Home Equity Conversion Mortgage (HECM) program, cap HECM origination fees, and provide HECM consumer protections, and (3) to create and fund a federal affordable housing trust fund. HR 6076 Home Retention and Economic Stabilization Act of 2008 - Lobbied for a foreclosure deferral to help members workout loans in default or refinance into new loans. S 3261 Transportation and HUD Appropriations - Lobbied for affordable housing assistance spending. HR 6033 Home-Based Health Services Job Training and Caregiving Act of 2008 - Lobbied to expand the bill to cover more types of housing and to ensure the competitive nature of the grants program. S 2490 Reverse Mortgage Proceeds Protections Act - Lobbied to increase protections for Home Equity Conversion Mortgage loan recipients. S 3261 Transportation/HUD Appropriations, FY 2009 - Lobbied for Section 202, Housing for the Elderly program funding. HR 3997/HR 1424 - Emergency Economic Stabilization Act - Lobbied to include provisions to assist troubled homeowners, including the ability for bankruptcy judges to modify primary mortgage debt.

See Addendum S. 40, The National Insurance Act of 2007. S. 618, Act to Further Competition in the Insurance Industry. S. 1693, "Wired for Health Care Quality Act". S. 1814, "Health Information Privacy and Security Act". S. 1865, "Life Insurance Fairness for Travelers Act of 2007". S. 2268, "Long Term Care Insurance Integrity Act of 2007". S. 2337, "Long Term Care Affordability and Security Act of 2007" S. 2490, "Reverse Mortgage Proceeds Protection Act". S.2794, "Senior Invetor Protection Act of 2008" H.R. 150, "Life Insurance Employee Notification Act". H.R. 493, Genetic Information Nondiscrimination Act of 2007 (becoame Public Law No. 110-233).. H.R. 1065, "The Non-Admitted and Reinsurance Reform Act of 2007". H.R. 1081, Act to Further Competition in the Insurance Industry A bill to further competition in the insurance industry. H.R. 1424, "Emergency Economic Stabilization Act of 2008", Became P.L. 110-343. H.R. 3200, The National Insurance Act of 2007. H.R. 3363, "Long-Term Care Affordability and Security Act of 2007". H.R. 3997, "Emergency Economic Stabililzation Act of 2008". H.R. 4150, "Lifetime Pension Annuity for You Act of 2007". H.R. 4299, "Terrorism Risk Insurance Reauthorization Act of 2007". H.R. 5611, "The National Association of Agents and Brokers Return Act of 2008". H.R. 5840, "Insurance Information Act of 2008". The Department of Treasury, "Blueprint for a Modernized Financial Regulatory Structure" (3/31/08). The Department of Treasury, creation of an "Office of Insurance Information" within the Department of Treasury.

Client expense: $780,000 · Firm income: Not reported

H.R. 1525 - Internet Spyware (I-SPY) Prevention Act of 2007. Issue: Privacy Financial Information. H.R. 493 - Genetic Information Nondiscrimination Act of 2007. Issue: Genetic Testing; Risk Classification H.R. 948 - The Social Security Number Protection Act of 2007. Issue: Privacy - Financial Information. H.R. 1065 - The Non - Admitted and Reinsurance Reform Act of 2007. Issue: Reinsurance; Regulatory Reform. S. 239 - Notification of Risk to Personal Data Act of 2007. Issue: Privacy - Financial Information. S. 495 - The Personal Data Privacy and Security Act of 2007. Issue: Privacy - Financial Information. S. 358 - Genetic Information Nondiscrimination Act of 2007. Issue: Genetic Testing; Risk Classification. S. 1202 - The Personal Data Protection Act of 2007. Issue: Privacy - Financial Information. S. 1865 - Life Insurance Fairness for Travelers Act of 2007. Issue: Travel Underwriting. S. 1178 - The Identity Theft Prevention Act of 2007. Issue: Privacy - Financial Information. S. 1260 - Data Security Act of 2007. Issue: Privacy - Financial Information. S. 40 - The National Insurance Act of 2007. Issues: Optional Federal Charter; Regulatory Reform. H.R. 964 - Securely Protect Yourself Against Cyber Trespass Act. Issue: Privacy - Financial Information. H.R 1081/S 618 - Insurance Industry Competition Act of 2007. Issue: Regulatory Reform. H.R. 3200 - The National Insurance Act of 2007. Issues: OFC; Reg. Reform. H.R. 3046 - The Social Security Number Privacy and ID Theft Prevention Act of 2007 S. 1814 - Health Information Privacy and Security Act. Issue: Privacy - Medical Information. S. 1693 - Wired for Health Care Quality Act. Issue: Privacy - Medical Information. H.R. 5611 - National Association of Registered Agents and Brokers Reform Act of 2008. Issue: Regulatory Reform. S. RES. 603 - Expressing the sense of the Senate on the restitution of or compensation for property seized during the Nazi and Communist eras. Issue: Holocaust claims. H.R. 3221 - Foreclosure Prevention Act of 2008. Issue: Reverse Mortgage. S. 2490 - Reverse Mortgage Proceeds Protection Act. Issue: Reverse Mortgage. H.R. 5792 - Increasing Insurance Coverage Options for Consumers Act of 2008. Issue: Regulatory Reform. H.R. 6357 - Protecting Records, Optimizing Treatments, and Easing Communications Through Healthcare Technology Act of 2008 (ProTECHt Act). Issue: Privacy; Medical Records. H.R. 5840 - Insurance Information Act of 2008. Issue: Regulatory Reform. H.R. 1424 - Emergency Economic Stabilization Act of 2008. Issue: Regulatory Reform; mark to market accounts, congressional oversight board.

H.R. 1525 - Internet Spyware (I-SPY) Prevention Act of 2007. Issue: Privacy Financial Information. H.R. 493 - Genetic Information Nondiscrimination Act of 2007. Issue: Genetic Testing; Risk Classification H.R. 948 - The Social Security Number Protection Act of 2007. Issue: Privacy - Financial Information. H.R. 1065 - The Non - Admitted and Reinsurance Reform Act of 2007. Issue: Reinsurance; Regulatory Reform. S. 239 - Notification of Risk to Personal Data Act of 2007. Issue: Privacy - Financial Information. S. 495 - The Personal Data Privacy and Security Act of 2007. Issue: Privacy - Financial Information. S. 358 - Genetic Information Nondiscrimination Act of 2007. Issue: Genetic Testing; Risk Classification. S. 1202 - The Personal Data Protection Act of 2007. Issue: Privacy - Financial Information. S. 1865 - Life Insurance Fairness for Travelers Act of 2007. Issue: Travel Underwriting. S. 1178 - The Identity Theft Prevention Act of 2007. Issue: Privacy - Financial Information. S. 1260 - Data Security Act of 2007. Issue: Privacy - Financial Information. S. 40 - The National Insurance Act of 2007. Issues: Optional Federal Charter; Regulatory Reform. H.R. 964 - Securely Protect Yourself Against Cyber Trespass Act. Issue: Privacy - Financial Information. H.R 1081/S 618 - Insurance Industry Competition Act of 2007. Issue: Regulatory Reform. H.R. 3200 - The National Insurance Act of 2007. Issues: OFC; Reg. Reform. H.R. 3046 - The Social Security Number Privacy and ID Theft Prevention Act of 2007 S. 1814 - Health Information Privacy and Security Act. Issue: Privacy - Medical Information. S. 1693 - Wired for Health Care Quality Act. Issue: Privacy - Medical Information. H.R. 5611 - National Association of Registered Agents and Brokers Reform Act of 2008. Issue: Regulatory Reform. S. RES. 603 - Expressing the sense of the Senate on the restitution of or compensation for property seized during the Nazi and Communist eras. Issue: Holocaust claims. H.R. 3221 - Foreclosure Prevention Act of 2008. Issue: Reverse Mortgage. S. 2490 - Reverse Mortgage Proceeds Protection Act. Issue: Reverse Mortgage. H.R. 5792 - Increasing Insurance Coverage Options for Consumers Act of 2008. Issue: Regulatory Reform. H.R. 6357 - Protecting Records, Optimizing Treatments, and Easing Communications Through Healthcare Technology Act of 2008 (ProTECHt Act). Issue: Privacy; Medical Records. H.R. 5840 - Insurance Information Act of 2008. Issue: Regulatory Reform. H.R. 1424 - Emergency Economic Stabilization Act of 2008. Issue: Regulatory Reform; mark to market accounts, congressional oversight board.

HR 3548 - Provisions related to detering predatory lending practices and helping to protect older homeowners from foreclosure. HR 5818 - Lobbied to help prevent older homeowners from losing their homes to foreclosure. S 2636 - All provisions in Title IV related to allowing bankruptcy judges to restructure subprime mortgage debt for primary residences; lobbied the bill to help prevent older homeowners from losing their homes to foreclosure. HR 3609 Emergency Home Ownership and Mortgage Equity Protection Act of 2007- Provisions related to allowing judges to modify the terms of mortages in bankruptcy to reduce foreclosures. S. 2684 Section 8 Voucher Reform Act of 2008 - Provisions related to stabilizing the funding formula for Section 8 Vouchers to provide more affordable housing options for our members and their families. HR 5758/S. 2490 Reverse Mortgage Proceeds Protection Act - Supported passage of this bill and House companion bill to better prevent reverse mortgage borrowers from fraud and abuse. HR 1852/S 2338 FHA Modernization Act of 2007- Lobbied to expand the FHA-insured reverse mortgage program while limiting origination fees charged by lenders. HR 3221 Foreclosure Prevention Act of 2008 - Lobbied to help prevent older homeowners from losing their homes to foreclosure and to expand FHA reverse mortgage programs. HR 6076 Home Retention and Economic Stabilization Act of 2008 - Lobbied for a foreclosure deferral to help members workout loans in default or refinance into new loans. Lobbied for affordable housing assistance spending.

Client expense: $6,480,000 · Firm income: Not reported

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. 1525 - Internet Spyware (I-SPY) Prevention Act of 2007 H.R. 493 - Genetic Information Nondiscrimination Act of 2007 H.R. 948 - The Social Security Number Protection Act of 2007 H.R. 1065 - The Non - Admitted and Reinsurance Reform Act of 2007 S. 239 - Notification of Risk to Personal Data Act of 2007 S. 495 - The Personal Data Privacy and Security Act of 2007 S. 358 - Genetic Information Nondiscrimination Act of 2007 S. 1202 - The Personal Data Protection Act of 2007 S. 1865 - Life Insurance Fairness for Travelers Act of 2007 S. 1178 - The Identity Theft Prevention Act of 2007 S. 1260 - Data Security Act of 2007 S. 40 - The National Insurance Act of 2007 H.R. 964 - Securely Protect Yourself Against Cyber Trespass Act H.R 1081/S 618 - Insurance Industry Competition Act of 2007 H.R. 3200 - The National Insurance Act of 2007 H.R. 3046 - The Social Security Number Privacy and ID Theft Prevention Act of 2007 S. 1814 - Health Information Privacy and Security Act S. 1693 - Wired for Health Care Quality Act S. 2794 Senior Investor Protection Act of 2008 H.R. 5611 National Association of Registered Agents and Brokers Reform Act of 2008 S. RES. 603 - Expressing the sense of the Senate on the restitution of or compensation for property seized during the Nazi and Communist eras H.R. 3221 Foreclosure Prevention Act of 2008 S. 2490 Reverse Mortgage Proceeds Protection Act H.R. 5792 Increasing Insurance Coverage Options for Consumers Act of 2008 H.R. 6357 Protecting Records, Optimizing Treatments, and Easing Communications Through Healthcare Technology Act of 2008 (ProTECHt Act) H.R. 5840 Insurance Information Act of 2008

Client expense: $920,600 · Firm income: Not reported

H.R. 1525 - Internet Spyware (I-SPY) Prevention Act of 2007 H.R. 493 - Genetic Information Nondiscrimination Act of 2007 H.R. 948 - The Social Security Number Protection Act of 2007 H.R. 1065 - The Non - Admitted and Reinsurance Reform Act of 2007 S. 239 - Notification of Risk to Personal Data Act of 2007 S. 495 - The Personal Data Privacy and Security Act of 2007 S. 358 - Genetic Information Nondiscrimination Act of 2007 S. 1202 - The Personal Data Protection Act of 2007 S. 1865 - Life Insurance Fairness for Travelers Act of 2007 S. 1178 - The Identity Theft Prevention Act of 2007 S. 1260 - Data Security Act of 2007 S. 40 - The National Insurance Act of 2007 H.R. 964 - Securely Protect Yourself Against Cyber Trespass Act S. RES. 603 - Expressing the sense of the Senate on the restitution of or compensation for property seized during the Nazi and Communist eras H.R 1081/S 618 - Insurance Industry Competition Act of 2007 H.R. 3200 - The National Insurance Act of 2007 H.R. 3046 - The Social Security Number Privacy and ID Theft Prevention Act of 2007 S. 1814 - Health Information Privacy and Security Act S. 1693 - Wired for Health Care Quality Act H.R. 5611 National Association of Registered Agents and Brokers Act of 2008 H.R. 3221 Foreclosure Prevention Act of 2008 S. 2490 Reverse Mortgage Proceeds Protection Act H.R. 5792 Increasing Insurance Coverage Options for Consumers Act of 2008 H.R. 6357 Protecting Records, Optimizing Treatments, and Easing Communications Through Healthcare Technology Act of 2008 (ProTECHt Act) H.R. 5840 Insurance Information Act of 2008

Client expense: $920,600 · Firm income: Not reported

H.R. 1525 - Internet Spyware (I-SPY) Prevention Act of 2007 H.R. 948 - The Social Security Number Protection Act of 2007 H.R. 1065 - The Non - Admitted and Reinsurance Reform Act of 2007 S. 239 - Notification of Risk to Personal Data Act of 2007 S. 495 - The Personal Data Privacy and Security Act of 2007 S. 1202 - The Personal Data Protection Act of 2007 S. 1865 - Life Insurance Fairness for Travelers Act of 2007 S. 1178 - The Identity Theft Prevention Act of 2007 S. 1260 - Data Security Act of 2007 S. 40 - The National Insurance Act of 2007 H.R. 964 - Securely Protect Yourself Against Cyber Trespass Act H.R 1081/S 618 - Insurance Industry Competition Act of 2007 H.R. 3200 - The National Insurance Act of 2007 H.R. 3046 - The Social Security Number Privacy and ID Theft Prevention Act of 2007 S. 929 Non - admitted and Reinsurance Reform Act of 2007 S. 1693 Wired for Health Care Quality Act S. 495 Personal Data Privacy and Security Act of 2007 S. 1814 - Health Information Privacy and Security Act H.R. 3221 Foreclosure Prevention Act of 2008 S. 2490 Reverse Mortgage Proceeds Protection Act H.R. 5792 Increasing Insurance Coverage Options for Consumers Act of 2008 H.R. 6357 Protecting Records, Optimizing Treatments, and Easing Communications Through Healthcare Technology Act of 2008 (ProTECHt Act) H.R. 5840 Insurance Information Act of 2008 S. RES. 603 - Expressing the sense of the Senate on the restitution of or compensation for property seized during the Nazi and Communist eras

Client expense: $920,600 · Firm income: Not reported

HR 3221 - American Housing Rescue and Foreclosure Prevention Act of 2008; provisions in Sec. 2122 related to origination of reverse mortgages S 2490/HR 5758 - Reverse Mortgage Proceeds Protection Act; all provisions

Client expense: $1,200,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE, U.S. Trade Representative (USTR)

S. 2338 FHA Modernization Act of 2007 H.R. 1852 Expanding the Homeownership Act of 2007 S. 2636 Foreclosure Prevention Act H.R.3221 American Housing Rescue and Foreclosure Prevention Act of 2008 S.2490 Reverse Mortgage Proceeds Protection Act H.R. 5758 Reverse Mortgage Proceeds Protection Act

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S.2490 Reverse Mortgage Proceeds Protection Act H.R. 5758 Reverse Mortgage Proceeds Protection Act

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

See Addendum S. 40, The National Insurance Act of 2007. S. 618, Act to Further Competition in the Insurance Industry. S. 1693, "Wired for Health Care Quality Act". S. 1814, "Health Information Privacy and Security Act". S. 1865, "Life Insurance Fairness for Travelers Act of 2007". S. 2268, "Long Term Care Insurance Integrity Act of 2007". S. 2337, "Long Term Care Affordability and Security Act of 2007" S. 2490, "Reverse Mortgage Proceeds Protection Act". S.2794, "Senior Invetor Protection Act of 2008" H.R. 150, "Life Insurance Employee Notification Act". H.R. 493, Genetic Information Nondiscrimination Act of 2007 (becoame Public Law No. 110-233).. H.R. 1065, "The Non-Admitted and Reinsurance Reform Act of 2007". H.R. 1081, Act to Further Competition in the Insurance Industry A bill to further competition in the insurance industry. H.R. 3200, The National Insurance Act of 2007. H.R. 3363, "Long-Term Care Affordability and Security Act of 2007". H.R. 4150, "Lifetime Pension Annuity for You Act of 2007". H.R. 4299, "Terrorism Risk Insurance Reauthorization Act of 2007". H.R. 5611, "The National Association of Agents and Brokers Return Act of 2008". H.R. 5840, "Insurance Information Act of 2008". The Department of Treasury, "Blueprint for a Modernized Financial Regulatory Structure" (3/31/08).

Client expense: $620,000 · Firm income: Not reported

Privacy, Security Breach: HR 493; HR 948; HR 3046; HR 3541; HR 6357; S 495; S 1260; S 1178; S 1693; S 2096; S 2168. Senior Protection Act: S 2490; S 2794. Building Codes: HR 4461; S 2458. Outsourcing: HR 4241.

Client expense: $1,260,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of, U.S. Trade Representative (USTR)

HR 3548 - Provisions related to detering predatory lending practices and helping to protect older homeowners from foreclosure. HR 5818 - Lobbied to help prevent older homeowners from losing their homes to foreclosure. S 2636 - All provisions in Title IV related to allowing bankruptcy judges to restructure subprime mortgage debt for primary residences; lobbied the bill to help prevent older homeowners from losing their homes to foreclosure. HR 3609 - Provisions related to allowing judges to modify the terms of mortages in bankruptcy to reduce foreclosures. S. 2684 - Provisions related to stabilizing the funding formula for Section 8 Vouchers to provide more affordable housing options for our members and their families. S. 2490 - Supported passage of this bill to better prevent reverse mortgage borrowers from fraud and abuse. HR 1852/S 2338 - Lobbied to expand the FHA-insured reverse mortgage program while limiting origination fees charged by lenders.

Client expense: $7,220,000 · Firm income: Not reported

HR 3548 - To deter predatory lending practices and help prevent older homeowners from foreclosure. HR 5818 - Lobbied to help prevent older homeowners from losing their homes to foreclosure. S 2636 - Working on Title IV of the bill to allow bankruptcy judges to restructure subprime mortgage debt for primary residences; lobbied the bill to help prevent older homeowners from losing their homes to foreclosure. HR 3609 - Promote legislation which would allow judges to modify the terms of mortages in bankruptcy to reduce foreclosures. S. 2684 - Lobbied the bill to stabilize the funding formula for Section 8 Vouchers to provide more affordable housing options for our members and their families. S. 2490 - Working in support of this bill to better prevent reverse mortgage borrowers from fraud and abuse. HR 1852/S 2338 - Lobbied to expand the FHA-insured reverse mortgage program while limiting origination fees charged by lenders.

Client expense: $7,220,000 · Firm income: Not reported

HOUSING (SENATE) - To deter predatory lending practices and help prevent older homeowners from foreclosure HOUSING HR 3548 - To deter predatory lending practices and help prevent older homeowners from foreclosure HOUSING HR 5818 - Lobbied to help prevent older homeowners from losing their homes to foreclosure. HOUSING S 2636 - Working on title IV of the bill to allow bankruptcy judges to restructure subprime mortgage debt for primary residences; lobbied the bill to help prevent older homeowners from losing their homes to foreclosure. HOUSING (SENATE) - To deter predatory lending practices and help prevent older homeowners from foreclosure HOUSING HR 3548 - To deter predatory lending practices and help prevent older homeowners from foreclosure HOUSING HR 5818 - Lobbied to help prevent older homeowners from losing their homes to foreclosure. HOUSING S 2636 - Working on title IV of the bill to allow bankruptcy judges to restructure subprime mortgage debt for primary residences; lobbied the bill to help prevent older homeowners from losing their homes to foreclosure. HOUSING S 2636 (HOUSE) - Working on title IV of the bill to allow bankruptcy judges to restructure subprime mortgage debt for primary residences; lobbied the bill to help prevent older homeowners from losing their homes to foreclosure. HOUSING (SENATE) - To deter predatory lending practices and help prevent older homeowners from foreclosure HOUSING HR 3548 - To deter predatory lending practices and help prevent older homeowners from foreclosure HOUSING HR 3609 - Emergency Home Ownership and Mortgage Equity Protection Act- Promote legislation which would allow judges to modify the terms of mortgages in bankruptcy to reduce foreclosures. HOUSING S 2636 - Working on title IV of the bill to allow bankruptcy judges to restructure subprime mortgage debt for primary residences; lobbied the bill to help prevent older homeowners from losing their homes to foreclosure. HOUSING S 2636 - Working on title IV of the bill to allow bankruptcy judges to restructure subprime mortgage debt for primary residences; lobbied the bill to help prevent older homeowners from losing their homes to foreclosure. HOUSING HR 5818 - Lobbied to help prevent older homeowners from losing their homes to foreclosure. HOUSING S 2636 - Working on title IV of the bill to allow bankruptcy judges to restructure subprime mortgage debt for primary residences; lobbied the bill to help prevent older homeowners from losing their homes to foreclosure. HOUSING-PUBLIC S 2684 - Lobbied the bill to stabilize the funding formula for Section 8 Vouchers to provide more affordable housing options for our members and their families. HOUSING-PUBLIC S 2684 - Lobbied the bill to stabilize the funding formula for Section 8 Vouchers to provide more affordable housing options for our members and their families. HOUSING-PUBLIC S 2684 - Lobbied the bill to stabilize the funding formula for Section 8 Vouchers to provide more affordable housing options for our members and their families. REVERSE MORTGAGES HR 1852/S 2338 (HOUSE) - Lobbied to expand the FHA-insured reverse mortgage program while limiting origination fees charged by lenders. REVERSE MORTGAGES S 2490 - Working in support of this bill to better prevent reverse mortgage borrowers from fraud and abuse. REVERSE MORTGAGES HR 1852/S 2338 (HOUSE) - Lobbied to expand the FHA-insured reverse mortgage program while limiting origination fees charged by lenders. REVERSE MORTGAGES S 2490 - Working in support of this bill to better prevent reverse mortgage borrowers from fraud and abuse. REVERSE MORTGAGES HR 1852/S 2338 (HOUSE) - Lobbied to expand the FHA-insured reverse mortgage program while limiting origination fees charged by lenders. REVERSE MORTGAGES S 2490 - Working in support of this bill to better prevent reverse mortgage borrowers from fraud and abuse. REVERSE MORTGAGES S 2490 (HOUSE) - Working in support of this bill to better prevent reverse mortgage borrowers from fraud and abuse.

See Addendum S. 40, The National Insurance Act of 2007 - A bill to authorize the issuance of Federal charters and licenses for carrying on the sale, solicitation, negotiation, and underwriting of insurance or any other insurance operations, to provide a comprehensive system for the Federal regulation and supervision of national insurers and national agencies, to provide for policyholder protections in the event of an insolvency or the impairment of a national insurer, and for other purposes. S. 358, Genetic Information Nondiscrimination Act of 2007 A bill to prohibit discrimination on the basis of genetic information with respect to health insurance and employment. S. 618, Act to Further Competition in the Insurance Industry A bill to further competition in the insurance industry. S. 1865, "Life Insurance Fairness for Travelers Act of 2007". S. 2268, "Long Term Care Insurance Integrity Act of 2007". S. 2337, "Long Term Care Affordability and Security Act of 2007" S. 2490, "Reverse Mortgage Proceeds Protection Act". S.2794, "Senior Invetor Protection Act of 2008" H.R. 150, "Life Insurance Employee Notification Act". H.R. 493, Genetic Information Nondiscrimination Act of 2007 A bill to prohibit discrimination on the basis of genetic information with respect to health insurance and employment. H.R. 1065, "The Non-Admitted and Reinsurance Reform Act of 2007". H.R. 1081, Act to Further Competition in the Insurance Industry A bill to further competition in the insurance industry. H.R. 2761, "Terrorism Risk Insurance Program Reauthorization Act of 2007" (Became Public Law No. 110-160) H.R. 3200, The National Insurance Act of 2007 - A bill to authorize the issuance of Federal charters and licenses for carrying on the sale, solicitation, negotiation, and underwriting of insurance or any other insurance operations, to provide a comprehensive system for the Federal regulation and supervision of national insurers and national agencies, to provide for policyholder protections in the event of an insolvency or the impairment of a national insurer, and for other purposes. H.R. 3363, "Long-Term Care Affordability and Security Act of 2007". H.R. 4150, "Lifetime Pension Annuity for You Act of 2007". H.R. 4299, "Terrorism Risk Insurance Reauthorization Act of 2007". H.R. 5611, "The National Association of Agents and Brokers Return Act of 2008".

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.

Privacy, Security Breach: HR 493; HR 948; HR 3046; HR 3541; S 495; S 1260; S 1178; S 1693; S 2096; S 2168. Senior Protection Act: S 2794; S 2490. Building Codes: HR 4461; S 2458. Outsourcing: HR 4241.

Client expense: $1,170,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of, U.S. Trade Representative (USTR)

See Addendum S. 40, The National Insurance Act of 2007 - A bill to authorize the issuance of Federal charters and licenses for carrying on the sale, solicitation, negotiation, and underwriting of insurance or any other insurance operations, to provide a comprehensive system for the Federal regulation and supervision of national insurers and national agencies, to provide for policyholder protections in the event of an insolvency or the impairment of a national insurer, and for other purposes. S. 358, Genetic Information Nondiscrimination Act of 2007 A bill to prohibit discrimination on the basis of genetic information with respect to health insurance and employment. S. 618, Act to Further Competition in the Insurance Industry A bill to further competition in the insurance industry. S. 1865, "Life Insurance Fairness for Travelers Act of 2007". S. 2268, "Long Term Care Insurance Integrity Act of 2007". S. 2337, "Long Term Care Affordability and Security Act of 2007" S. 2490, "Reverse Mortgage Proceeds Protection Act". S.____, "Senior Protection Act of 2007" H.R. 150, "Life Insurance Employee Notification Act". H.R. 493, Genetic Information Nondiscrimination Act of 2007 A bill to prohibit discrimination on the basis of genetic information with respect to health insurance and employment. H.R. 1065, "The Non-Admitted and Reinsurance Reform Act of 2007". H.R. 1081, Act to Further Competition in the Insurance Industry A bill to further competition in the insurance industry. H.R. 2761, "Terrorism Risk Insurance Revision and Extension Act of 2007" An act to extend the Terrorism Insurance Program of the Department of the Treasury, and for other purposes. H.R. 3200, The National Insurance Act of 2007 - A bill to authorize the issuance of Federal charters and licenses for carrying on the sale, solicitation, negotiation, and underwriting of insurance or any other insurance operations, to provide a comprehensive system for the Federal regulation and supervision of national insurers and national agencies, to provide for policyholder protections in the event of an insolvency or the impairment of a national insurer, and for other purposes. H.R. 3363, "Long-Term Care Affordability and Security Act of 2007". H.R. 4150, "Lifetime Pension Annuity for You Act of 2007". H.R. 4299, "Terrorism Risk Insurance Reauthorization Act of 2007".

Privacy, Security Breach Issue: HR 493; HR 948; HR 3046; HR 3541; S 495; S 1260; S 1178; S 1693; S 2096; S 2168 Senior Protection Bill: S 2490 Building Codes: S 4461; S 2458

Client expense: Not reported · Firm income: $2,620,000

Government targets: Commerce, Dept of (DOC), HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE, Treasury, Dept of