Mortgage Enhancement and Modification Act of 2008

H.R. 3221, "American Housing Rescue and Foreclosure Prevention Act of 2008," all sections related to mortgage licensing, mortgage servicing, Federal Housing Administration mortgage insurance programs, Government Sponsored Enterprises regulation and loan limits, tax credits for first time home buyers H.R. 5679, "Foreclosure Prevention and Second Mortgage Servicing Act of 2008," all sections related to mortgage servicing H.R. 5830, "FHA Housing Stabilization and Homeownership Retention Act of 2008," all sections related to mortgage servicing, Federal Housing Administration mortgage insurance programs H.R. 5579, "Emergency Loan Modification Act of 2008," all sections related to mortgage servicing S. 2801, "Mortgage Enhancement and Modification Act of 2008," all sections, legal treatment of mortgage modifications S. 2901, "Encouraging Mortgage Modifications Act of 2008," all sections, legal treatment of mortgage modifications S. 2136, "Helping Families Save Their Homes In Bankruptcy Act of 2007," all sections, treatment of mortgage debt and modification of mortgage terms in bankruptcy S. 2133, "Home Owners Mortgage and Equity Savings Act," all sections, treatment of mortgage debt and modification of mortgage terms in bankruptcy Issues other than Legislation: Government Sponsored Enterprises Home Valuation Code of Conduct, met with House Financial Services Committee staff regarding possible Congressional disapproval Real Estate Settlement Procedures Act, Proposed Rule published by Department of Housing and Urban Development March 13, 2008, met with Rep. Jim Gerlach and House Financial Services Committee staff to express opposition to rule

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

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

H.R.1427 "Federal Housing Finance Reform Act of 2007" H.R.2895 "National Affordable Housing Trust Fund Act of 2007" S.1386 "Homeownership Protection and Enhancement Act of 2007" S.2452 "Home Ownership Preservation and Protection Act of 2007" S. 2338 FHA Modernization Act of 2007 H.R.1852 Expanding American Homeownership Act of 2007 S. 2114 Emergency Home Ownership and Mortgage Equity Protection Act of 2007 S. 2133 Home Owners Mortgage and Equity Savings (HOMES) Act H.R. 3915 The Mortgage Reform and Anti-Predatory Lending Act of 2007 H.R. 4178 Emergency Mortgage Loan Modification Act of 2007 H R 5679 The Forclosure Prevention and Sound Mortgage Servicing Act of 2008 H R 5579 The Emergency Mortgage Loan Modification Act of 2008 H R 3609 The Emergency Homeownership and Mortgage Equity Protection Act of 2008 H R 3221 Foreclosure Prevention Act of 2008 S 2801 Mortgage Enhancement and Modification Act of 2008 S 2636 Foreclosure Prevention Act S 2136 Helping Families Save Their Homes in Bankruptcy Act For the above mortgage related legislation, interest is in provisions having to do with mortgage securitization and servicing HR 1461, "Credit Card Act of 2007 S 1395, "Stop Unfair Practices in Credit Cards Act of 2007" H R 5244 The Credit Cardholders' Bill of Rights" H R 5546 The Credit Card Fair Fee Act of 2008 For the above credit card legislation interest is in provisions related to lending terms S.2191 Americas Climate Security Act of 2007 For the above climate change legislation interest is in emissions cap and trade

Client expense: $1,260,000 · 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