Commission on Catastrophic Disaster Risk and Insurance Act of 2007

3% Withholding Tax Repeal S292/HR 1023 HR 275 Construction Bidding Reform HR 3854

Client expense: Not reported · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Green Builders Tax Incentive HR 2198 3% Withholding Tax Repeal S292/HR 1023 and HR275

Client expense: Not reported · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HR 164, S 926 Policyholder Disaster Protection Act of 2007; HR 330 Homeowners Insurance Availability Act; HR 1787 and S 927 Catastrophic Savings Accounts; HR 91, S 928 Homeowners Protection Act of 2007; HR 537, HR 3644, S 292, S 2286 bills to create a Commission of Catastrophic Risk and Insurance; HR 3355, S 2310 Homeowners Defense Act of 2007, S 2327 Homeowners Insurance Assistance Act; S 2328 Property Mitigation Assistance Act; On all these bills our interest is for Congress to determine the most appropriate method and level of involvement for the federal government in response to insurance protection issues for natural disasters. Specifically, we support the creation of a federal Commission to further study the issue, and efforts that encourage greater mitigation of disaster risks. We have concerns about too much federal interference with the private marketplace.

Client expense: $80,000 · Firm income: Not reported

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

Monitor legislation and advise client as to how if affects them, including generally HR 3121, HR 3644, HR 3959, HR 4050, S 292, S 2284, S 2286.

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

Government targets: Federal Emergency Management Agency (FEMA), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), SENATE, Transportation, Dept of (DOT)

S. 292/H.R. 537 - Commission on Catastrophic Disaster Risk and Insurance Act of 2007 H.R. 920 - Multiple Peril Insurance Act of 2007 H.R. 921 - Flood Insurance Community Outreach Grant Program Act of 207 H.R. 164 - Policyholder Disaster Protection Act of 2007 H.R. 922 - National Flood Insurance Program Participation Evaluation Act of 2007 H.R. 91 / S. 928 - Homeowners Insurance Protection Act of 2007 H.R. 330 - Homeowners Insurance Availability Act of 2007 S. 926 - Policyholder Disaster Protection Act of 2007 H.R. 1692 - The Flood Insurance Reform and Modernization Act of 2007 H.R. 3121 / S. 2284 - Flood Insurance Reform and Modernization Act of 2007 S. 2310 Homeowners Defense Act of 2007 H.R. 3926 - Safe Building Code Incentives Act of 2007 H.R. 3355 - Homeowners Defense Act of 2007 S. 2327 - Homeowners Insurance Assistance Act of 2007 S. 2328 - Property Mitigaiton Assistance Act of 2007

Client expense: $612,133 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Insurance Regulation issues including: S.40 National Insurance Act of 2007 H.R.3200 National Insurance Act of 2007 S.929 Non-admitted and Reinsurance Reform Act of 2007 Insurance Regulation issues continued: H.R.1065 - Non-admitted and Reinsurance Reform Act of 2007 H.R.5611 National Association of Registered Agents and Brokers Reform Act of 2008 H.R.5840 Insurance Information Act of 2008 H.R.5792 Increasing Insurance Coverage Options for Consumers Act of 2008 Natural Catastrophe/Flood Insurance issues including: S.292 Commission on Catastrophic Disaster Risk and Insurance Act of 2007 H.R.537 Commission on Catastrophic Disaster Risk and Insurance Act of 2007 S.2286 Commission on Natural Catastrophe Risk Management and Insurance Act of 2007 H.R.3644 - Commission on Natural Catastrophe Risk Management and Insurance Act of 2007 H.R.330 Homeowners Insurance Availability Act of 2007 S.927 Catastrophe Savings Accounts Act of 2007 H.R.1787 Catastrophe Savings Accounts Act of 2007 H.R.91 Homeowners Insurance Protection Act of 2007 S.928 Homeowners Protection Act of 2007 H.R.920 Multiple Peril Insurance Act of 2007 H.R.164 - Policyholder Disaster Protection Act of 2007 S.926 - Policyholder Disaster Protection Act of 2007 S.2328 - Property Mitigation Assistance Act of 2007 H.R.3355 Homeowners Defense Act of 2007 S.2310 - Homeowners' Defense Act of 2007 S.2327 - Homeowners Insurance Assistance Act of 2007 H.R.3121 Flood Insurance Reform and Modernization Act of 2007 S.2284 - Flood Insurance Reform and Modernization Act of 2007 H.R.922-National Flood Insurance Program Participation Evaluation Act of 2007 S.1890 Flood Insurance Choice Act of 2007 H.R.1682 Flood Insurance Reform and Modernization Act of 2007 S.1890 - Flood Insurance Choice Act of 2007 H.R.3959 - To amend the National Flood Insurance Act of 1968 to provide for the phase-in of actuarial rates for certain pre-FIRM properties. S.1061 - Homeowners' Insurance Noncoverage Disclosure Act H.R.2638 Consolidated Security, Disaster Assistance and Continuing Appropriations Act of 2009 (NFIP extension) Auto issues including: S.545 - Passenger Vehicle Loss Disclosure Act H.R.2811 - Passenger Vehicle Loss Disclosure Act Workers Compensation issues including: H.R.2549 Medicare Secondary Payer and Workers Compensation Settlement Agreements Act of 2007 H.R.3963 - Children's Health Insurance Program Reauthorization Act of 2007 Health Insurance issues including: S.558 Mental Health Parity Act of 2007 H.R.1424 To amend section 712 of the Employee Retirement Income Security Act of 1974, section 2705 of the Public Health Service Act, section 9812 of the Internal Revenue Code of 1986 TRICARE issues Underwriting issues including: H.R.5633 - Nondiscriminatory Use of Consumer Reports and Consumer Information Act of 2008 H.R.6062 Personal Lines of Insurance Fairness Act H.R.3056 The Social Security Number Privacy and Identity Theft Prevention Act S.3001 Duncan Hunter National Defense Authorization Act for FY09 S.AMDT.5466 Prohibition on Discrimination in Life Insurance

Client expense: $690,000 · Firm income: Not reported

Government targets: Executive Office of the President (EOP), HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

Improving the efficiency of the current regulatory system, whether by modifying the existing state system, creating an optional federal charter for insurance companies or through the creation of a Federal Office of Insurance Information. National Insurance Act of 2007, S. 40/H.R. 3200 Insurance Information Act of 2008, H.R. 5840 Flood Insurance Reform and Modernization Act of 2007, H.R. 1682, and the Flood Insurance Reform Modernization Act of 2007, S. 2284, which would reauthorize the flood program for 5 years and modernize the program (e.g., require that more insureds pay an actuarial price for coverage). Temporary extension of flood program enacted as part of the Continuing Resolution, P.L. 110-329. We have also addressed the related issue of whether companies offering property insurance and related coverage in coastal areas and participating as "Write Your Own" carriers for the National Flood Insurance Program (NFIP) have properly processed claims arising out of the 2005 hurricanes. H.R. 902, the "Multiple Peril Insurance Act of 2007," which would expand the NFIP to provide wind coverage to coastal residents. Federal Backstop for Natural Catastrophe - H.R. 3355, "Homeowners' Defense Act of 2007," which would create a 3-pronged federal backstop for natural catastrophes. Also, the "Homeowners Insurance Protection Act of 2007," H.R. 91/S. 928, would authorize the Treasury Department to sell catastrophic reinsurance to state catastrophe funds. Study Commissions on Natural Catastrophe Insurance (H.R. 5371/S. 292) under these proposals Congress would authorize a commission to study the various disaster insurance ideas to determine which of them represent the best public policy choices. S. 618/H.R. 1081, the "Insurance Industry Competition Act," which would repeal the McCarran-Ferguson Act's antitrust exemption and subject the insurance industry to Federal Trade Commission regulation.

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

Government targets: Bureau of Justice Assistance, Centers For Medicare and Medicaid Services (CMS), Federal Emergency Management Agency (FEMA), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Justice, Dept of (DOJ), Office of Thrift Supervision (OTS), SENATE

H.R. 1212, H.R. 164, H.R. 1787, H.R. 1832, H.R. 2407, H.R. 3355, H.R. 3644, H.R. 537, H.R. 846, H.R. 913, S. 2286, S. 2310, S. 2327, S. 2328, S. 292, S. 538, S. 690, S. 926, S. 927, S. 928, S. 930, S. 931

Client expense: $454,203 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), Congressional Budget Office (CBO), Federal Emergency Management Agency (FEMA), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Patent & Trademark Office (PTO), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

H.R.150: To prevent the nondisclosure of employer-owned life insurance coverage of employees as an unfair trade practice under the Federal Trade Commission Act, and for other purposes. H.R.377: To amend the Internal Revenue Code of 1986 to increase the dollar limitation on employer-provided group term life insurance that can be excluded from the gross income of the employee. H.R.385: To amend title II of the Social Security Act to eliminate reconsideration as an intervening step between initial benefit entitlement decisions and subsequent hearings on the record on such decisions. H.R.537: To establish a bipartisan commission on insurance reform. H.R.1065: To streamline the regulation of nonadmitted insurance and reinsurance, and for other purposes. H.R.1081: To further competition in the insurance industry. H.R. 2622: To amend title I of the Employee Retirement Income Security Act of 1974 to require de novo review of claims determinations made by employee benefit plans. H.R.2713: To amend title II of the Social Security Act to authorize waivers by the Commissioner of Social Security of the 5-month waiting period for entitlement to benefits based on disability in cases in which the Commissioner determines that such waiting period would cause undue hardship to terminally ill beneficiaries, and to provide for a study by the Commissioner regarding possible improvements in disability claims processing. H.R.2933: To amend title II of the Social Security Act to provide that the reductions in Social Security benefits which are required in the case of spouses and surviving spouses who are also receiving certain government pensions shall be equal to the amount by which two-thirds of the total amount of the combined monthly benefit (before reduction) and monthly pension exceeds $1,200, adjusted for inflation. H.R.2944: to amend title II of the Social Security Act to provide that the eligibility requirement for disability insurance benefits under which an individual must have 20 quarters of Social Security coverage in the 40 quarters preceding a disability shall not be applicable in the case of a disabled individual suffering from a covered terminal disease. H.R.3046: To amend the Social Security Act to enhance Social Security account number privacy protections, to prevent fraudulent misuse of the Social Security account number, and to otherwise enhance protection against identity theft, and for other purposes. H.R.3200: 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.3271: To prohibit the solicitation and display of Social Security account numbers, and for other purposes. H.R.3363: To amend the Internal Revenue Code of 1986 to allow long-term care insurance to be offered under cafeteria plans and flexible spending arrangements and to provide additional consumer protections for long-term care insurance. H.R.4181: To reform Social Security retirement and Medicare by establishing a Personal Social Security Savings Program to create a safer, healthier, more secure, and more prosperous retirement for all Americans and to reduce the burden on young Americans. H.R.5611: To reform the National Association of Registered Agents and Brokers, and for other purposes. H.R.5792: To amend the Liability Risk Retention Act of 1986 to increase insurance competition and available coverage for consumers. H.R.5840: To establish an Office of Insurance Information in the Department of the Treasury. H.R.6071: to amend the Public Health Service Act to require reinstatement upon payment of all premiums due of group or individual health insurance coverage terminated by reason of nonpayment of premiums. H.R.6210: to amend the Public Health Service Act to establish a nationwide health insurance purchasing pool for small businesses and the self-employed that would offer a choice of private health plans and make health coverage more affordable, predictable, and accessible S. 40: 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.292: A bill to establish a bipartisan commission on insurance reform. S.618: A bill to further competition in the insurance industry. S.1736: to amend title II of the Social Security Act to provide that the eligibility requirement for disability insurance benefits under which an individual must have 20 quarters of Social Security coverage in the 40 quarters preceding a disability shall not be applicable in the case of a disabled individual suffering from a covered terminal disease. S.1865: to provide for mandatory availability of life insurance that does not preclude future lawful travel, and for other purposes. S.2795:to amend the Public Health Service Act to establish a nationwide health insurance purchasing pool for small businesses and the self-employed that would offer a choice of private health plans and make health coverage more affordable, predictable, and accessible. S.2818: to amend the Employee Retirement Income Security Act of 1974 and the Public Health Service Act to provide for enhanced health insurance marketplace pooling and relating market rating. S.3068: to require equitable coverage of prescription contraceptive drugs and devices, and contraceptive services under health plans. S.3115: to amend title I of the Employee Retirement Income Security Act of 1974, title XXVII of the Public Health Service Act, and the Internal Revenue Code of 1986 to prohibit preexisting condition exclusions for children in group health plans and health insurance coverage in the group and individual markets.

Client expense: $515,000 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), Commerce, Dept of (DOC), HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE, State, Dept of (DOS), Treasury, Dept of, U.S. Trade & Development Agency (USTDA), U.S. Trade Representative (USTR)

Insurance Industry Competitiveness: S. 618 - Insurance Industry Competition Act of 2007 H.R 1081 - Insurance Industry Compeition Act of 2007 Insurance Regulation: H.R. 1065 - Nonadmitted & Reinsurance Reform Act of 2007 (Surplus Lines) S. 40 - National Insurance Act of 2007 (Optional Federal Charter) H.R. 3200 - National Insurance Act of 2007 (Optional Federal Charter) H.R. 5840 - Insurance Information Act of 2008 (Creation of an Insuranc Information Office in Treasury to pre-empt state laws that contravene established international agreement) H.R. 5611 - National Association of Registered Agents and Brokers Reform Act of 2008 (Registration of insurance brokers across state lines) H.R. 5792 - Increasing Insurance Coverage Options for Consumers Act of 2008 (Allows commercial real estate owners to form risk retention groups for real property) National Flood Insurance Program Extension & Modifications: National Flood Insurance Program Extended until March, 2009 as part of Continuing Resolution in Sept. 2008. Ongoing lobbying activity related to modifications to the NFIP and issues contained in below bills in anticipation of program expiration in March: H.R. 1682 - The Flood Insurance Reform & Modernization Act of 2007 S. 920 - Multiple Peril Insurance Act of 2007 H.R. 91 - Homeowners Protection Act of 2007 H.R. 3121 - The Flood Insurance Reform & Modernization Act of 2007 S. 2284 - The Flood Insurance Reform & Modernization Act of 2007 S. 1938 - The National Flood Mapping Act of 2007 H.R. 3959 - To amend the National Flood Insurance Act of 1968 to provide for the phase-in of actuarial rates for certain pre-FIRM properties. H.R. 2638 - Department of Homeland Security Appropriations Act, 2008 (Continuing Resolution that authorized extension of the National Flood Insurance Program beyond 9/30/08 expiration date) Homeowners' Insurance Affordability & Availability: S. 926 - Policyholder Disaster Protection Act of 2007 S. 928 - Homewoners Protection Act of 2007 H.R. 164 - Policyholder Disaster Protection Act of 2007 H.R. 330 - Homeowners Insurance Availability Act of 2007 S. 2327 - Homeowners Insurance Assistance Act of 2007 Establishment of a National Catastrophe Commission: S. 2286 - Commission on Natural Catastrophe Risk Management and Insurance Act of 2007 S. 292 - Commission on Catastrophic Disaster Risk & Insurance Act of 2007 H.R. 537 - Commission on Catastrophic Disaster Risk & Insurance Act of 2007 H.R. 3355 - Homeowners' Defense Act of 2007 S. 2310 - Homeowners' Defense Act of 2007

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

HR 164, S 926 Policyholder Disaster Protection Act of 2007; HR 330 Homeowners Insurance Availability Act; HR 1787 and S 927 Catastrophic Savings Accounts; HR 91, S 928 Homeowners Protection Act of 2007; HR 537, HR 3644, S 292, S 2286 bills to create a Commission of Catastrophic Risk and Insurance; HR 3355, S 2310 Homeowners Defense Act of 2007, S 2327 Homeowners Insurance Assistance Act; S 2328 Property Mitigation Assistance Act; On all these bills our interest is for Congress to determine the most appropriate method and level of involvement for the federal government in response to insurance protection issues for natural disasters. Specifically, we support the creation of a federal Commission to further study the issue, and efforts that encourage greater mitigation of disaster risks. We have concerns about too much federal interference with the private marketplace.

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

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

Matters relating to U.S.-China bilateral trade negotiations; natural disaster legislation, including S. 292 and Homeowners Act of 2007; matters relating to U.S.-Colombia Free Trade Agreement

Client expense: Not reported · Firm income: $80,000

Government targets: Commerce, Dept of (DOC), Executive Office of the President (EOP), HOUSE OF REPRESENTATIVES, SENATE, State, Dept of (DOS), Treasury, Dept of

Commission on Catastrophic Disaster Risk and Insurance Act of 2007 - S. 292, all provisions; Commission on Catastrophic Disaster Risk and Insurance Act of 2007 - H.R. 537, all provisions; Passenger Vehicle Loss Disclosure Act - S. 545, all provisions; Insurance Industry Competition Act of 2007 - H.R. 1081, all provisions; Insurance Industry Competition Act of 2007 - S. 618, all provisions; Homeowners' Insurance Noncoverage Disclosure Act - S. 1061, all provisions; National Insurance Act of 2007 - S. 40, all provisions Community Reinvestment Modernization Act of 2007 - H.R. 1289, all provisions National Insurance Act of 2007 - H.R. 3200, all provisions Terrorism Risk Insurance Improvement Act of 2008 - S. 2621, all provisions Office of Insurance Information Act H.R. 5840, all provisions National Association of Registered Agents and Brokers Reform Act H.R. 5611, all provisions Personal Lines Insurance Fairness Act H.R. 6062, all provisions Risk Retention Act H.R. 5792, all provisions Flood Insurance Reform and Modernization Act of 2007 - H.R. 3121, all provisions Flood Insurance Reform and Modernization Act of 2007 - H.R. 1682, all provisions Hurricane and Tornado Mitigation Investment Act of 2007 - S. 930, all provisions Nonadmitted and Reinsurance Reform Act of 2007 - S. 929, all provisions Homeowners Protection Act - S. 928, all provisions Catastrophe Savings Accounts Act of 2007 - S. 927, all provisions Policyholder Disaster Protection Act of 2007 - S. 926, all provisions Homeowners' Insurance Availability Act of 2007 - H. R. 330, all provisions Homeowners' Defense Act - H.R. 3355, all provisions Homeowners' Defense Act - S. 2310, all provisions To extend the authorization of the NFIP H.R.6965, all provisions

Client expense: $190,000 · Firm income: Not reported

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

Optional Federal Charter for insurers: National Insurance Act of 2007 - S. 40, HR 3200 Office of Insurance Information in the US Department of Treasury: Insurance Information Act of 2008 - HR 5840 Surplus lines: Nonadmitted and Reinsurance Reform Act - HR 1065, S. 929 McCarran-Ferguson repeal: Insurance Industry Competition Act of 2007 - S. 618, HR 1081 Reinsurance International Solvency Standards Evaluation Board Act of 2008 - HR 6213 National Association of Registered Agents and Brokers Reform Act of 2008 - HR 5611 Issues related to using credit in personal lines of insurance - HR 5633, HR 6062 Federal Crop Insurance Program National Flood Insurance Program: Flood Insurance Reform and Modernization Act of 2007 - HR 1682, HR 3121, S. 2284; Multiple Peril Insurance Act of 2007 - HR 920; Flood Insurance Choice Act of 2007 - S. 1890 Medicare Secondary Payer and Workers' Compensation Reform - HR 2549 Issues related to insurance and natural catastrophes - Commission on Catastrophic Disaster Risk and Insurance Act of 2007 - HR 537, S. 292; Homeowners' Protection Act of 2007 - S. 928; Homeowners' Insurance Protection Act of 2007 - HR 91; Homeowners' Insurance Availability Act of 2007 - HR 330; Policyholder Disaster Protection Act of 2007 (tax-deferred catastrophic reserves) - S. 926, HR 164 False Claims Act Correction Act of 2007 - S. 2041, HR 4854 Increasing Insurance Coverage Options for Consumers Act of 2008 - HR 5792 Taxation of Reinsurance Transactions: HR 6969

Client expense: $350,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of, U.S. Trade Representative (USTR), White House Office

CRE Lending Guidance FASB EESA, FIN46, FAS 157 Terrorism Risk Insurance H.R. 384 TARP Reform and Accountability Act Natural Catastrophe Risk Insurance - S. 292, H.R. 537, H.R. 3355 FAS 140 - Servicer Discretion Credit Crunch Federal Reserve Act H.R. 3122, Housing Bill

Client expense: $700,000 · Firm income: Not reported

Government targets: Army, Dept of (Corps of Engineers), Commerce, Dept of (DOC), Energy, Dept of, Environmental Protection Agency (EPA), Federal Communications Commission (FCC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Interior, Dept of (DOI), Justice, Dept of (DOJ), Labor, Dept of (DOL), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of, White House Office

CRE Lending Guidance EESA, TARP, Credit Crunch Terrorism Risk Insurance National Catastrophe Risk Insurance - S. 292, H.R. 537 Commission on Catastrophic Disaster Risk and Insurance Act - H.R. 3355, Homeowners Defense Act of 2007 Federal Reserve Act Revision - H.R. 3122, Housing Bills

Client expense: $700,000 · Firm income: Not reported

Government targets: Army, Dept of (Corps of Engineers), Commerce, Dept of (DOC), Energy, Dept of, Environmental Protection Agency (EPA), Federal Communications Commission (FCC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Interior, Dept of (DOI), Justice, Dept of (DOJ), Labor, Dept of (DOL), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of, White House Office

The Non-Discriminatory Use of Consumer Reports and Consumer Information Act of 2008 (H.R. 5633) The National Association of Registered Agents & Brokers Reform Act (H.R. 5611) National Insurance Act of 2007 (S.40/H.R. 3200) Flood Insurance Modernization Act (H.R. 3121) Commission on Catastrophic Disaster Risk and Insurance Act of 2007 (S.292) Flood Insurance Reform and Modernization Act of 2007 (S.2284) Homeowners' Defense Act of 2007 (H.R. 3355) Homeowners' Defense Act of 2007 (S. 2310)

Client expense: $1,920,190 · Firm income: Not reported

Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, Natl Economic Council (NEC), SENATE, Treasury, Dept of

HR 3200/S 40 - "National Insurance Act of 2007" - Creates a federal insurance regulator HR 1065/S929 - "Nonadmitted and Reinsurance Reform Act of 2007" - Changes to the regulation of surplus lines and reinsurance markets HR 5611 - "National Association of Registered Agents and Brokers Reform Act of 2008" - Multi-state licensing of insurance agents HR 1081/S 618 - "Insurance Industry Competition Act of 2007" - Amends McCarran-Ferguson Act of 1945 and expands Federal Trade Commission (FTC)/Department of Justice (DOJ) oversight of insurers S 2621 - "Terrorism Risk Insurance Improvement Act of 2008" - Provides for a reset mechanism of the Terrorism Risk Insurance Act of 2002 HR 3355/S 2310 - "Homeowners Defense Act of 2007" - Establishes a state bond selling consortium, Treasury loan program, and reinsurance sale HR 537/S 292 - "Commission on Catastrophic Disaster Risk and Insurance Act of 2007" - Creates a bipartisan commission to study natural disaster proposals HR 3121/S 2284 - "Flood Insurance Reform and Modernization Act of 2007" - Reauthorizes and reforms the National Flood Insurance Program S 1693/HR 6357 - "Wired for Health Care Quality Act of 2007" - Proposed amendment to inhibit life insurers use of data HR 5633 - "Nondiscriminatory Use of Consumer Reports and Consumer Information Act of 2008" - Prohibits use of credit scores with personal lines of insurance HR 3926 - "Safe Building Code Incentive Act of 2007" - Provides incentives for states to adopt and enforce building codes through grants HR 4461/S2458 - "Community Building Code Administration Grant Act of 2007" - Provides grants for increased staffing of building codes administrations HR 5840 - "Insurance Information Act of 2008" - creates a federal oversight office to provide advice and expertise on insurance regulation to the Administration and Congress HR 6062 - "Personal Lines of Insurance Fairness Act of 2008" - Prohibits use of credit scores with personal lines of insurance Enhanced Homeowners Insurance Policy (EHIP), proposal would add flood coverage to a standard homeowner's insurance policy HR 2638 - "Consolidated Security, Disaster Assistance, and Continuing Appropriations Act of 2009" - Continuing Resolution which includes an extension of the National Flood Insurance Program

Client expense: $630,000 · Firm income: Not reported

Government targets: Federal Emergency Management Agency (FEMA), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Office of Thrift Supervision (OTS), SENATE, Treasury, Dept of, U.S. Copyright Office

H.R. 1212 - Catastrophic Disaster Recovery Improvements Act of 2007 - All provisions H.R. 164 - Policyholder Disaster Protection Act of 2007 - All provisions H.R. 1787 - Catastrophe Savings Accounts Act of 2007 - All provisions H.R. 1832 - National Hurricane Research Initiative Act of 2007 - All provisions H.R. 2407 - National Hurricane Research Initiative Act of 2007 - All provisions H.R. 537 - Commission on Catastrophic Disaster Risk and Insurance Act of 2007 - All provisions H.R. 846 - Emergency and Disaster Assistance Fraud Penalty Enhancement Act of 2007 - All provisions H.R. 913 - Hurricane and Tornado Mitigation Investment Act of 2007 - All provisions H.R. 3355 - Homeowners' Defense Act of 2007 - All provisions H.R. 3644 - A bill to establish a nonpartisan Commission on Natural Catastrophe Risk Management and Insurance, and for other purposes - All provisions S. 292 - Commission on Catastrophic Disaster Risk and Insurance Act of 2007 - All provisions S. 538 - Work, Hope and Opportunity for the Disaster Area Today Act - All provisions S. 690 - Catastrophic Disaster Recovery Improvements Act of 2007 - All provisions S. 926 - Policyholder Disaster Protection Act of 2007 - All provisions S. 927 - Catastrophe Savings Accounts Act of 2007 - All provisions S. 928 - Homeowners Protection Act of 2007 - All provisions S. 930 - Hurricane and Tornado Mitigation Investment Act of 2007 - All provisions S. 931 - National Hurricane Research Initiative Act of 2007 - All provisions S. 2286 - Commission on Natural Catastrophe Risk Management and Insurance Act of 2007 - All provisions S. 2310 - A bill to establish a national catastrophic risks consortium and a national homeowners' insurance stabilization program - All provisions S. 2327 - A bill to amend the Internal Revenue Code of 1986 to provide a credit against tax for increased homeowners insurance premiums suffered by certain coastal homeowners or resulting from hurricane events - All provisions S. 2328 - A bill to establish a homeowner mitigation loan program within the Federal Emergency Management Agency to promote pre-disaster mitigation measures - All provisions H.R. 1525 - Internet Spyware (I-Spy) Prevention Act of 2007 - All provisions H.R. 6308 - Municipal Bond Fairness Act - All provisions H.R. 964 - SPY Act - All provisions S. 1260 - Data Security Act of 2007 - All provisions S. 1265 - Counter Spy Act - All provisions

Client expense: $630,000 · Firm income: Not reported

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

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

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

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

Insurance regulation issues including: Emergency Economic Stabilization Act H.R.3200, National Insurance Act of 2007; S.40, National Insurance Act of 2007 S.929 and H.R.1065, Non-admitted and Reinsurance Reform Act of 2007 Insurance regulation issues (continued); H.R.5611, National Association of Registered Agents and Brokers Reform Act of 2008 H.R.5840, Insurance Information Act of 2008 H.R.5792, Increasing Insurance Coverage Options for Consumers Act of 2008 Natural Catastrophe/flood issues including: S.292, Commission on Catastrophic Disaster Risk and Insurance Act of 2007 H.R.537, Commission on Catastrophic Disaster risk and Insurance Act of 2007 S.2286, Commission on Natural Catastrophe Risk management and Insurance Act of 2007 H.R.3644, Commission on Natural Catastrophe Risk Management and Insurance Act of 2007 H.R.330, Homeowners Insurance Availability Act of 2007 S.927, Catastrophe Savings Account Act of 2007 H.R.1787, Catastrophe Savings Account Act of 2007 H.R.91, Homeowners Insurance Protection Act of 2007 S.928, Homeowners Protection Act of 2007 H.R.920, Multiple Peril Insurance Act of 2007 H.R.164 and S.926, Policyholder Disaster Protection Act of 2007 S.2328, Property Mitigation Assistance Act of 2007 H.R.2327, Homeowners Insurance Assistance Act of 2007 H.R.3355 and S.2310, Homeowners Defense Act of 2007 H.R.3121 and S.2284, Flood Insurance Reform and Modernization Act of 2007 H.R.922, National Flood Insurance Program Participation Evaluation Act of 2007 S.1890, Flood Insurance Choice Act of 2007 H.R.1682, Flood Insurance Reform and Modernization Act of 2007 H.R.3959, To amend the National Flood Insurance Act of 1968 to provide for the phase-in of actuarial rates for certain pre-FIRM properties. S.1061, Homeowners' Insurance Noncoverage Disclosure Act Auto issues including: S.545 and H.R.2811, Passenger Vehicle Loss Disclosure Act Workers Compensation issues including: H.R.2549, Medicare Secondary Payer and Workers Compensation Settlement Agreements Act of 2007 H.R.3963, Children's Health Insurance Program Reauthorization Act of 2007 Health Insurance issues including: S.558, Mental Health Parity Act of 2007 H.R.1424, To amend section 712 of the Employee Retirement Income Security Act of 1974, section 2705 of the Public Health Service Act, section 9812 of the Internal Revenue Code of 1986 Underwriting issues including: H.R.5633, Nondiscriminatory Use of Consumer Reports and Consumer Information Act of 2008 H.R.6062, Personal Lines of Insurance Fairness Act H.R.3056, The Social Security Number Privacy and Identify Theft Prevention Act

Client expense: Not reported · Firm income: $80,000

Government targets: Executive Office of the President (EOP), HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

H.R. 1081; S. 618 Insurance Industry Competition Act of 2007 (all provisions) H.R. 330 Homeowners Insurance Availability Act of 2007 (all provisions) H.R. 1065; S. 929 Nonadmitted and Reinsurance Reform Act of 2007 (all provisions) H.R. 3121; S. 2284 Flood Insurance Reform and Modernization Act (all provisions) H.R. 920 Multiple Peril Insurance Act of 2007 (all provisions) H.R. 3200; S. 40 National Insurance Act of 2007 (all provisions) H.R. 3355; S. 2310 Homeowners Defense Act of 2007 (all provisions) H.R. 4461 Community Building Code Administration Grant Act of 2007 (all provisions) H.R. 3926 Safe Building Code Incentive Act of 2007 (all provisions) Insurance Regulatory Reform H.R. 5611 National Association of Registered Agents and Brokers Reform Act of 2008 (all provisions) H.R. 5633 Nondiscriminatory Use of Consumer Reports and Consumer Information Act of 2008 (all provisions) H.R. 91; S. 928 Homeowners Insurance Protection Act of 2007 (all provisions) H.R. 537; S. 292 Commission on Catastrophic Disaster Risk and Insurance Act of 2007 (all provisions) S. 1061 Homeowners Insurance Noncoverage Disclosure Act (all provisions) H.R. 5792 Increasing Insurance Coverage Options for Consumers Act of 2008 (all provisions) H.R. 6213 Reinsurance International Solvency Standards Evaluation Board Act of 2008 (all provisions) H.R. 6308 Municipal Bond Fairness Act (all provisions) H.R. 5840 Insurance Information Act (all provisions) H.R. 6062 Personal Lines of Insurance Fairness Act of 2008 (all provisions) S. 2458 Community Building Code Administration Grant Act (all provisions) H.R. 3959 to amend National Flood Insurance Act to provide phase-in of actuarial rates (all provisions) H.R. 2638 Continuing Appropriations Resolution (flood insurance provisions) Equity Indexed Annuity 401(k) Rule - SEC Proposed Rule 151A Systemic Risk Regulator (generally) Financial Services Regulatory Restructuring (generally) Troubled Assets Relief Program Financial Literacy

Client expense: $250,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

Monitor legislation and advise client as to how if affects them, including generally HR 3121, HR 3644, HR 3959, HR 4050, S 292, S 2284, S 2286.

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

Government targets: Federal Emergency Management Agency (FEMA), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), SENATE, Transportation, Dept of (DOT)

Monitor legislation and advise client as to how if affects them, including generally HR 3121, HR 3644, HR 3959, HR 4050, S 292, S 2284, S 2286.

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

Government targets: Federal Emergency Management Agency (FEMA), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), SENATE, Transportation, Dept of (DOT)

Regulation of Insurance: HR 3200; HR 5611; HR 5840; S 40. National Flood Insurance Program: HR 3121; S 1890; S 2047; S 2284. Natural Catastrophe: HR 3355; HR 3644; S 292; S 2286; S 2310. Credit Scoring: HR 5633; HR 6062.

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

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

Regulation of Insurance: HR 3200; S 40; HR 5611. National Flood Insurance Program: HR 3121; S 1890; S 2047; S 2284 (Senator Landrieu's proposal to create ombudsman for the NFIP). Natural Catastrophe: Hr 3355; HR 3644; S 292; S 2286; S 2310. Community Reinvestment: HR 1289. Credit Scoring: HR 5633.

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

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

Insurance Regulation issues including: S.40 National Insurance Act of 2007 H.R.3200 National Insurance Act of 2007 S.929 Non-admitted and Reinsurance Reform Act of 2007 Insurance Regulation issues continued: H.R.1065 - Non-admitted and Reinsurance Reform Act of 2007 H.R.5611 National Association of Registered Agents and Brokers Reform Act of 2008 H.R.5840 Insurance Information Act of 2008 H.R.5792 Increasing Insurance Coverage Options for Consumers Act of 2008 Natural Catastrophe/Flood Insurance issues including: S.292 Commission on Catastrophic Disaster Risk and Insurance Act of 2007 H.R.537 Commission on Catastrophic Disaster Risk and Insurance Act of 2007 S.2286 Commission on Natural Catastrophe Risk Management and Insurance Act of 2007 H.R.3644 - Commission on Natural Catastrophe Risk Management and Insurance Act of 2007 H.R.330 Homeowners Insurance Availability Act of 2007 S.927 Catastrophe Savings Accounts Act of 2007 H.R.1787 Catastrophe Savings Accounts Act of 2007 H.R.91 Homeowners Insurance Protection Act of 2007 S.928 Homeowners Protection Act of 2007 H.R.920 Multiple Peril Insurance Act of 2007 H.R.164 - Policyholder Disaster Protection Act of 2007 S.926 - Policyholder Disaster Protection Act of 2007 S.2328 - Property Mitigation Assistance Act of 2007 H.R.3355 Homeowners Defense Act of 2007 S.2310 - Homeowners' Defense Act of 2007 S.2327 - Homeowners Insurance Assistance Act of 2007 H.R.3121 Flood Insurance Reform and Modernization Act of 2007 S.2284 - Flood Insurance Reform and Modernization Act of 2007 H.R.922-National Flood Insurance Program Participation Evaluation Act of 2007 S.1890 Flood Insurance Choice Act of 2007 H.R.1682 Flood Insurance Reform and Modernization Act of 2007 S.1890 - Flood Insurance Choice Act of 2007 H.R.3959 - To amend the National Flood Insurance Act of 1968 to provide for the phase-in of actuarial rates for certain pre-FIRM properties. S.1061 - Homeowners' Insurance Noncoverage Disclosure Act H.R.2638 Consolidated Security, Disaster Assistance and Continuing Appropriations Act of 2009 (NFIP extension) Auto issues including: S.545 - Passenger Vehicle Loss Disclosure Act H.R.2811 - Passenger Vehicle Loss Disclosure Act Workers Compensation issues including: H.R.2549 Medicare Secondary Payer and Workers Compensation Settlement Agreements Act of 2007 H.R.3963 - Children's Health Insurance Program Reauthorization Act of 2007 Health Insurance issues including: S.558 Mental Health Parity Act of 2007 H.R.1424 To amend section 712 of the Employee Retirement Income Security Act of 1974, section 2705 of the Public Health Service Act, section 9812 of the Internal Revenue Code of 1986 TRICARE issues Underwriting issues including: H.R.5633 - Nondiscriminatory Use of Consumer Reports and Consumer Information Act of 2008 H.R.6062 Personal Lines of Insurance Fairness Act H.R.3056 The Social Security Number Privacy and Identity Theft Prevention Act S.3001 Duncan Hunter National Defense Authorization Act for FY09 S.AMDT.5466 Prohibition on Discrimination in Life Insurance

Client expense: $980,000 · Firm income: Not reported

Government targets: Executive Office of the President (EOP), HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

CRE Lending Guidance FASB EESA, FIN46, FAS 157 Terrorism Risk Insurance Natural Catastrophe Risk Insurance - S. 292, H.R. 537, H.R. 3355 FAS 140 - Servicer Discretion Credit Crunch Federal Reserve Act H.R. 3122, Housing Bill

Client expense: $920,000 · Firm income: Not reported

Government targets: Army, Dept of (Corps of Engineers), Commerce, Dept of (DOC), Energy, Dept of, Environmental Protection Agency (EPA), Federal Communications Commission (FCC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Interior, Dept of (DOI), Justice, Dept of (DOJ), Labor, Dept of (DOL), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of, White House Office

CRE Lending Guidance EESA, TARP, Credit Crunch Terrorism Risk Insurance Natural Catastrophe Risk Insurance - S. 292, H.R. 537 Commission on Catastrophic Disaster Risk and Insurance Act - H.R. 3355, Homeowners Defense Act of 2007 Federal Reserve Act Revisions HR 3122, Housing Bills

Client expense: $920,000 · Firm income: Not reported

Government targets: Army, Dept of (Corps of Engineers), Commerce, Dept of (DOC), Energy, Dept of, Environmental Protection Agency (EPA), Federal Communications Commission (FCC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Interior, Dept of (DOI), Justice, Dept of (DOJ), Labor, Dept of (DOL), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of, White House Office

Implementation of the Terrorism Risk Insurance Program Reathorizaton Act (HR 2761) - extends the current terrorism insurance program at the Dept. of Treasury; National Insurance Act (HR 3200, S 40) - a bill to establish an Office of National Insurance within the Dept. of Treasury (create an optional federal insurance charter); Flood Insurance Choice Act of 2007 (S 1890) - allows individuals the opporturnity to opt out of flood insurance coverage contingent on certain certifications; Flood Insurance Reform and Modernization Act (HR 3121, S 2284) - Amends the Flood Insurance Act of 1968 to restore its financial solvency; Multiple Peril Insurance Act of 2007 (HR 920) - Amends the National Flood Insurance Act of 1968 to provide for the national flood insurance program to make available multiperil coverage for damage resulting from windstorms or floods; Commission on Catastrophic Disaster Risk and Insurance Act of 2007 (S 292/HR 537) - Establishes the bipartisan Commission on Catastrophic Disaster Risk and Insurance to assess post-event insurance markets and exposures; Policyholder Disaster Protection Act of 2007 (HR 164 / S 926) - amends the Internal Revenue Code of 1986 to provide for the creation of disaster protection funds by property and casualty insurance companies for the payment of policyholders' claims arising from future catastrophic events; Homeowners Insurance Protection Act of 2007 (HR 91/ S 1061) - establishes a program to provide reinsurance for State natural catastrophe insurance programs; encourages and promotes mitigation and prevention for, and recovery and rebuilding from such catastrophes, and assists in the financial recovery from catastrophes; Homeowners' Insurance Availability Act of 2007 (HR 330) - establishes a Federal program to provide reinsurance to improve the availability of homeowners' insurance; Homeowners' Defense Act of 2007 (HR 3355) - provides federal support for state-sponsored insurance programs by facilitating a National Catastrophe Risk Consortium and creating a National Homeowners' Insurance Stabilization Program; Catastrophe Savings Accounts Act of 2007 (HR 927) - amends the Internal Revenue Code of 1986 to create tax-exempt Catastrophe Savings Accounts; Nonadmitted and Reinsurance Reform Act of 2007 (S 929/ HR 1065) - streamlines the regulation of nonadmitted insurance and reinsurance markets; Proposals to expand the Liabilty Risk Retention Act to include property coverage (no specific legislation introduced); Passanger Vehicle Loss Disclosure Act (S 545/ HR 2811) - requires insurers and self-insurers of passenger motor vehicles to disclose to the public passenger vehicle loss data;

Client expense: $270,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), SENATE, Treasury, Dept of

S. 40/ H.R. 3200, National Insurance Act (Entire bill) S. 929/ H.R. 1065, Nonadmitted and Reinsurance Reform Act of 2007 (Entire bill) S. 618/ H.R. 1081, Insurance Industry Competition Act of 2007 (Entire bill) S. 742/ H.R. 2385, Ban Asbestos in America Act of 2007 (Entire bill) H.R. 91, The Homeowners Insurance Protection Act of 2007 (Entire bill) H.R. 164/ S. 926, The Poicyholder Disaster Protection Act of 2007 (Entire bill) H.R. 330, The Homeowners Insurance Availability Act of 2007 (Entire bill) H.R. 537/ S. 292, The Commission on Catastrophic Disaster Risk (Entire bill) H.R. 913, The Hurricane and Tornado Mitigation Investment Act of 2007 (Entire bill) H.R. 920, The Multiple Peril insurance Act of 2007 (Entire bill) H.R. 1682, Flood Insurance Reform and Modernization Act of 2007 (Entire bill) H.R. 1852, Expanding American Homeownership Act of 2007 (Entire bill) H.R. 1787/ S. 927, Catastrophe Savings Account Act (Entire bill) H.R. 3121, Flood Insurance Reform and Modernization Act (Entire bill) H.R. 3355/ S. 2310, Homeowners Defense Act (Entire bill) S. 1061, Homeowners Insurance Noncoverage Disclosure Act (Entire bill) S. 1890, Flood Insurance Choice Act (Entire bill) S. 2047, Flood Insurance Disclosure Act (Entire bill) S. 2286/ H.R. 3644, Commission on Natural Catastrophic Risk Management and Insurance Act (Entire bill) S. 2284, Flood Insurance Reform and Modernization Act (Entire bill) S. 2327, Homeowners Assistance Act (Entire bill) S. 2338/ H.R. 6424, Property Mitigation Assistance Act (Entire bill) S. 2458/ H.r. 4461, Community Building Code Administration Grant Act (Entire bill) H.R. 4721, Terrorism Risk Insurance Improvement Act (Entire bill) H.R. 1746, Holocaust Insurance Accountability Act (Entire bill) H.R. 5633, Non-discriminatory Use of Consumer Reports and Consumer Information Act (Entire bill) H.R. 5611, National Association of Registered Agents and Brokers Reform Act of 2008 (Entire bill) H.R. 5840, Insurance Information Act (Entire bill) H.R. 5792, Increasing Insurance Coverage Options for Consumers Act (Entire bill) H.R. 6062, Personal Lines of Insurance Fairness Act (Entire bill) H.R. 6213, Reinsurance International Solvency Standareds Evaluation Board Act (Entire bill) H.R. 1424, The Emergency Economic Stabilization Act (Entire bill) H.R. 3339/ H.R. 6903, Bruce Vento Ban Asbestos and Prevent Mesothelioma Act (Entire bill) H.R. 2638, Consolidated Security, Disaster Assistance and Continuing Appropriations Act of 2009 (Sec. 145)

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

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

Optional Federal Charter for insurers: National Insurance Act of 2007 - S. 40, HR 3200 Office of Insurance Information in the US Department of Treasury: Insurance Information Act of 2008 - HR 5840 Surplus lines: Nonadmitted and Reinsurance Reform Act - HR 1065, S. 929 McCarran-Ferguson repeal: Insurance Industry Competition Act of 2007 - S. 618, HR 1081 Reinsurance International Solvency Standards Evaluation Board Act of 2008 - HR 6213 National Association of Registered Agents and Brokers Reform Act of 2008 - HR 5611 Issues related to using credit in personal lines of insurance - HR 5633, HR 6062 Federal Crop Insurance Program: Farm Bill Extension Act of 2007 - HR 2419, S. 2302 National Flood Insurance Program: Flood Insurance Reform and Modernization Act of 2007 - HR 1682, HR 3121, S. 2284; Multiple Peril Insurance Act of 2007 - HR 920; Flood Insurance Choice Act of 2007 - S. 1890 Medicare Secondary Payer and Workers' Compensation Reform - HR 2549 Issues related to insurance and natural catastrophes - Commission on Catastrophic Disaster Risk and Insurance Act of 2007 - HR 537, S. 292; Homeowners' Protection Act of 2007 - S. 928; Homeowners' Insurance Protection Act of 2007 - HR 91; Homeowners' Insurance Availability Act of 2007 - HR 330; Policyholder Disaster Protection Act of 2007 (tax-deferred catastrophic reserves) - S. 926, HR 164 False Claims Act Correction Act of 2007 - S. 2041, HR 4854 Increasing Insurance Coverage Options for Consumers Act of 2008 - HR 5792 Taxation of Reinsurance Transactions: HR 6969

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

Government targets: Commerce, Dept of (DOC), HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of, U.S. Trade Representative (USTR), White House Office

Insurance regulation issues including: S.40, National Insurance Act of 2007 H.R.3200, National Insurance Act of 2007 S.929 and H.R.1065, Non-admitted and Reinsurance Reform Act of 2007 Insurance regulation issues (continued); H.R.5611, National Association of Registered Agents and Brokers Reform Act of 2008 H.R.5840, Insurance Information Act of 2008 H.R.5792, Increasing Insurance Coverage Options for Consumers Act of 2008 Natural Catastrophe/flood issues including: S.292, Commission on Catastrophic Disaster Risk and Insurance Act of 2007 H.R.537, Commission on Catastrophic Disaster risk and Insurance Act of 2007 S.2286, Commission on Natural Catastrophe Risk management and Insurance Act of 2007 H.R.3644, Commission on Natural Catastrophe Risk Management and Insurance Act of 2007 H.R.330, Homeowners Insurance Availability Act of 2007 S.927, Catastrophe Savings Account Act of 2007 H.R.1787, Catastrophe Savings Account Act of 2007 H.R.91, Homeowners Insurance Protection Act of 2007 S.928, Homeowners Protection Act of 2007 H.R.920, Multiple Peril Insurance Act of 2007 H.R.164 and S.926, Policyholder Disaster Protection Act of 2007 S.2328, Property Mitigation Assistance Act of 2007 H.R.2327, Homeowners Insurance Assistance Act of 2007 H.R.3355 and S.2310, Homeowners Defense Act of 2007 H.R.3121 and S.2284, Flood Insurance Reform and Modernization Act of 2007 H.R.922, National Flood Insurance Program Participation Evaluation Act of 2007 S.1890, Flood Insurance Choice Act of 2007 H.R.1682, Flood Insurance Reform and Modernization Act of 2007 H.R.3959, To amend the National Flood Insurance Act of 1968 to provide for the phase-in of actuarial rates for certain pre-FIRM properties. S.1061, Homeowners' Insurance Noncoverage Disclosure Act Auto issues including: S.545 and H.R.2811, Passenger Vehicle Loss Disclosure Act Workers Compensation issues including: H.R.2549, Medicare Secondary Payer and Workers Compensation Settlement Agreements Act of 2007 H.R.3963, Children's Health Insurance Program Reauthorization Act of 2007 Health Insurance issues including: S.558, Mental Health Parity Act of 2007 H.R.1424, To amend section 712 of the Employee Retirement Income Security Act of 1974, section 2705 of the Public Health Service Act, section 9812 of the Internal Revenue Code of 1986 Underwriting issues including: H.R.5633, Nondiscriminatory Use of Consumer Reports and Consumer Information Act of 2008 H.R.6062, Personal Lines of Insurance Fairness Act H.R.3056, The Social Security Number Privacy and Identify Theft Prevention Act

Client expense: Not reported · Firm income: $80,000

Government targets: Executive Office of the President (EOP), HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

S. 292 / H.R. 537 - Commission on Catastrophic Disaster Risk and Insurance Act of 2007 H.R. 920 - Multiple Peril Insurance Act of 2007 H.R. 921 - Flood Insurance Community Outreach Grant Program Act of 2007 H.R. 164 - Policyholder Disaster Protection Act of 2007 H.R. 922 - National Flood Insurance Program Participation Evaluation Act of 2007 H.R. 91 / S. 928 - Homeowners Insurance Protection Act of 2007 H.R. 330 - Homeowners Insurance Availability Act of 2007 S. 926 - Policyholder Disaster Protection Act of 2007 H.R. 1692 - The Flood Insurance Reform and Modernization Act of 2007 H.R. 3121 / S. 2284 - Flood Insurance Reform and Modernization Act of 2007 S. 2310 - Homeowners Defense Ac of 2007 H.R. 3926 - Safe Building Code Incentives Act of 2007 H.R. 3355 - Homeowners Defense Act of 2007 S. 2327 - Homeowners Insurance Assistance Act of 2007 S. 2328 - Property Mitigation Assistance Act of 2007

Client expense: $944,634 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HR164, HR537, HR846, HR913, HR1787, HR1832, HR2407, HR3355, HR3644, S292, S538, S690, S926, S927, S928, S929, S930, S931, S2286, S2310, S2327, S2328

Client expense: $433,208 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), Federal Trade Commission (FTC), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Patent & Trademark Office (PTO), SENATE, Treasury, Dept of

The Non-Discriminatory Use of Consumer Reports and Consumer Information Act of 2008 (H.R. 5633) The National Association of Registered Agents & Brokers Reform Act (H.R. 5611) National Insurance Act of 2007 (S.40/H.R. 3200) Terrorism Risk Insurance Act (H.R. 2761/H.R. 4299) Flood Insurance Modernization Act (H.R. 3121) Commission on Catastrophic Disaster Risk and Insurance Act of 2007 (S.292) Flood Insurance Reform and Modernization Act of 2007 (S.2284) Homeowners' Defense Act of 2007 (H.R. 3355) Homeowners' Defense Act of 2007 (S. 2310)

Client expense: $1,420,179 · Firm income: Not reported

Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, Natl Economic Council (NEC), SENATE, Treasury, Dept of

H.R. 1212 - Catastrophic Disaster Recovery Improvements Act of 2007 - All provisions H.R. 164 - Policyholder Disaster Protection Act of 2007 - All provisions H.R. 1787 - Catastrophe Savings Accounts Act of 2007 - All provisions H.R. 1832 - National Hurricane Research Initiative Act of 2007 - All provisions H.R. 2407 - National Hurricane Research Initiative Act of 2007 - All provisions H.R. 537 - Commission on Catastrophic Disaster Risk and Insurance Act of 2007 - All provisions H.R. 846 - Emergency and Disaster Assistance Fraud Penalty Enhancement Act of 2007 - All provisions H.R. 913 - Hurricane and Tornado Mitigation Investment Act of 2007 - All provisions H.R. 3355 - Homeowners' Defense Act of 2007 - All provisions H.R. 3644 - A bill to establish a nonpartisan Commission on Natural Catastrophe Risk Management and Insurance, and for other purposes - All provisions H.R. 6285 - To amend the National Flood Insurance Act of 1968 to provide for adequate progress on the construction of a flood protection system to include the appropriation of at least 60 percent of the sytem cost from Federal, State or local funds - All provisions S. 292 - Commission on Catastrophic Disaster Risk and Insurance Act of 2007 - All provisions S. 538 - Work, Hope and Opportunity for the Disaster Area Today Act - All provisions S. 690 - Catastrophic Disaster Recovery Improvements Act of 2007 - All provisions S. 926 - Policyholder Disaster Protection Act of 2007 - All provisions S. 927 - Catastrophe Savings Accounts Act of 2007 - All provisions S. 928 - Homeowners Protection Act of 2007 - All provisions S. 930 - Hurricane and Tornado Mitigation Investment Act of 2007 - All provisions S. 931 - National Hurricane Research Initiative Act of 2007 - All provisions S. 929 - Non-admitted and Reinsurance Reform Act of 2007 - All provisions S. 2286 - Commission on Natural Catastrophe Risk Management and Insurance Act of 2007 - All provisions S. 2310 - A bill to establish a national catastrophic risks consortium and a national homeowners' insurance stabilization program - All provisions S. 2327 - A bill to amend the Internal Revenue Code of 1986 to provide a credit against tax for increased homeowners insurance premiums suffered by certain coastal homeowners or resulting from hurricane events - All provisions S. 2328 - A bill to establish a homeowner mitigation loan program within the Federal Emergency Management Agency to promote pre-disaster mitigation measures - All provisions

Client expense: $940,000 · Firm income: Not reported

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

Matters relating to U.S.-China bilateral trade negotiations; natural disaster legislation, including S. 292 and Homeowners Act of 2007; matters relating to U.S.-Colombia Free Trade Agreement

Client expense: Not reported · Firm income: $80,000

Government targets: Commerce, Dept of (DOC), Executive Office of the President (EOP), HOUSE OF REPRESENTATIVES, SENATE, State, Dept of (DOS), Treasury, Dept of

Insurance Industry Competitiveness: S. 618 - Insurance Industry Competition Act of 2007 H.R 1081 - Insurance Industry Compeition Act of 2007 Insurance Regulation: H.R. 1065 - Nonadmitted & Reinsurance Reform Act of 2007 (Surplus Lines) S. 40 - National Insurance Act of 2007 (Optional Federal Charter) H.R. 3200 - National Insurance Act of 2007 (Optional Federal Charter) H.R. 5840 - Insurance Information Act of 2008 (Creation of an Insuranc Information Office in Treasury to pre-empt state laws that contravene established international agreement) H.R. 5611 - National Association of Registered Agents and Brokers Reform Act of 2008 (Registration of insurance brokers across state lines) H.R. 5792 - Increasing Insurance Coverage Options for Consumers Act of 2008 (Allows commercial real estate owners to form risk retention groups for real property) National Flood Insurance Program Extension & Modifications: H.R. 1682 - The Flood Insurance Reform & Modernization Act of 2007 S. 920 - Multiple Peril Insurance Act of 2007 H.R. 91 - Homeowners Protection Act of 2007 H.R. 3121 - The Flood Insurance Reform & Modernization Act of 2007 S. 2284 - The Flood Insurance Reform & Modernization Act of 2007 S. 1938 - The National Flood Mapping Act of 2007 H.R. 3959 - To amend the National Flood Insurance Act of 1968 to provide for the phase-in of actuarial rates for certain pre-FIRM properties. H.R. 2638 - Department of Homeland Security Appropriations Act, 2008 (Continuing Resolution that authorized extension of the National Flood Insurance Program beyond 9/30/08 expiration date) H.R. 6965 - (No Title Given) Provided for extension of NFIP beyond FY'08. Incorporated into CR above. Homeowners' Insurance Affordability & Availability: S. 926 - Policyholder Disaster Protection Act of 2007 S. 928 - Homewoners Protection Act of 2007 H.R. 164 - Policyholder Disaster Protection Act of 2007 H.R. 330 - Homeowners Insurance Availability Act of 2007 S. 2327 - Homeowners Insurance Assistance Act of 2007 Establishment of a National Catastrophe Commission: S. 2286 - Commission on Natural Catastrophe Risk Management and Insurance Act of 2007 S. 292 - Commission on Catastrophic Disaster Risk & Insurance Act of 2007 H.R. 537 - Commission on Catastrophic Disaster Risk & Insurance Act of 2007 H.R. 3355 - Homeowners' Defense Act of 2007 S. 2310 - Homeowners' Defense Act of 2007

Client expense: $3,820,000 · Firm income: Not reported

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

H.R.150: To prevent the nondisclosure of employer-owned life insurance coverage of employees as an unfair trade practice under the Federal Trade Commission Act, and for other purposes. H.R.377: To amend the Internal Revenue Code of 1986 to increase the dollar limitation on employer-provided group term life insurance that can be excluded from the gross income of the employee. H.R.385: To amend title II of the Social Security Act to eliminate reconsideration as an intervening step between initial benefit entitlement decisions and subsequent hearings on the record on such decisions. H.R.537: To establish a bipartisan commission on insurance reform. H.R.1065: To streamline the regulation of nonadmitted insurance and reinsurance, and for other purposes. H.R.1081: To further competition in the insurance industry. H.R. 2622: To amend title I of the Employee Retirement Income Security Act of 1974 to require de novo review of claims determinations made by employee benefit plans. H.R.2713: To amend title II of the Social Security Act to authorize waivers by the Commissioner of Social Security of the 5-month waiting period for entitlement to benefits based on disability in cases in which the Commissioner determines that such waiting period would cause undue hardship to terminally ill beneficiaries, and to provide for a study by the Commissioner regarding possible improvements in disability claims processing. H.R.2933: To amend title II of the Social Security Act to provide that the reductions in Social Security benefits which are required in the case of spouses and surviving spouses who are also receiving certain government pensions shall be equal to the amount by which two-thirds of the total amount of the combined monthly benefit (before reduction) and monthly pension exceeds $1,200, adjusted for inflation. H.R.2944: to amend title II of the Social Security Act to provide that the eligibility requirement for disability insurance benefits under which an individual must have 20 quarters of Social Security coverage in the 40 quarters preceding a disability shall not be applicable in the case of a disabled individual suffering from a covered terminal disease. H.R.3046: To amend the Social Security Act to enhance Social Security account number privacy protections, to prevent fraudulent misuse of the Social Security account number, and to otherwise enhance protection against identity theft, and for other purposes. H.R.3200: 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.3271: To prohibit the solicitation and display of Social Security account numbers, and for other purposes. H.R.3363: To amend the Internal Revenue Code of 1986 to allow long-term care insurance to be offered under cafeteria plans and flexible spending arrangements and to provide additional consumer protections for long-term care insurance. H.R.4181: To reform Social Security retirement and Medicare by establishing a Personal Social Security Savings Program to create a safer, healthier, more secure, and more prosperous retirement for all Americans and to reduce the burden on young Americans. H.R.5611: To reform the National Association of Registered Agents and Brokers, and for other purposes. H.R.5792: To amend the Liability Risk Retention Act of 1986 to increase insurance competition and available coverage for consumers. H.R.5840: To establish an Office of Insurance Information in the Department of the Treasury. H.R.6071: to amend the Public Health Service Act to require reinstatement upon payment of all premiums due of group or individual health insurance coverage terminated by reason of nonpayment of premiums. H.R.6210: to amend the Public Health Service Act to establish a nationwide health insurance purchasing pool for small businesses and the self-employed that would offer a choice of private health plans and make health coverage more affordable, predictable, and accessible S. 40: 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.292: A bill to establish a bipartisan commission on insurance reform. S.618: A bill to further competition in the insurance industry. S.1736: to amend title II of the Social Security Act to provide that the eligibility requirement for disability insurance benefits under which an individual must have 20 quarters of Social Security coverage in the 40 quarters preceding a disability shall not be applicable in the case of a disabled individual suffering from a covered terminal disease. S.1865: to provide for mandatory availability of life insurance that does not preclude future lawful travel, and for other purposes. S.2795:to amend the Public Health Service Act to establish a nationwide health insurance purchasing pool for small businesses and the self-employed that would offer a choice of private health plans and make health coverage more affordable, predictable, and accessible. S.2818: to amend the Employee Retirement Income Security Act of 1974 and the Public Health Service Act to provide for enhanced health insurance marketplace pooling and relating market rating. S.3068: to require equitable coverage of prescription contraceptive drugs and devices, and contraceptive services under health plans. S.3115: to amend title I of the Employee Retirement Income Security Act of 1974, title XXVII of the Public Health Service Act, and the Internal Revenue Code of 1986 to prohibit preexisting condition exclusions for children in group health plans and health insurance coverage in the group and individual markets.

Client expense: $470,000 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), Commerce, Dept of (DOC), HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE, State, Dept of (DOS), Treasury, Dept of, U.S. Trade & Development Agency (USTDA), U.S. Trade Representative (USTR)

Issues related to asbestos compensation, medical malpractice insurance, terrorism insurance, worker's compensation, and risk retention groups H.R. 1682 Flood Insurance Reform and Modernization Act of 2007 H.R. 3121 Flood Insurance Reform and Modernization Act of 2007 H.R. 537 Commission on Catastrophic Disaster Risk and Insurance Act of 2007 S. 292 Commission on Catastrophic Disaster Risk and Insurance Act of 2007 S. 928 Homeowners' Protection Act of 2007 H.R. 91 Homeowners Insurance Protection Act of 2007 H.R. 330 Homeowners' Insurance Availability Act of 2007 S. 618 Insurance Industry Competition Act of 2007 H.R. 1081 Insurance Industry Competition Act of 2007 S. 40 National Insurance Act of 2007 H.R. 3200 National Insurance Act of 2007 S. 929 Nonadmitted and Reinsurance Reform Act of 2007 H.R. 1065 Nonadmitted and Reinsurance Reform Act of 2007 H.R. 1638 James Zadroga 9/11 Health and Compensation Act H.R. 3543 James Zadroga 9/11 Health and Compensation Act of 2007 H.R. 2497 Fair and Reliable Medical Justice Act S. 1481 Fair and Reliable Medical Justice Act S. 2284 Flood Insurance Reform and Modernization Act of 2007 H.R. 3355 Homeowner's Defense Act of 2007 H.R. 3644 Commission of Natural Catastrophe Risk Management and Insurance Act of 2007 S. 2286 Commission of Natural Catastrophe Risk Management and Insurance Act of 2007 H.R. 3959 To Amend the National Flood Insurance Act of 1968 H.R. 920 Multiple Peril Insurance Act of 2007 H.R. 5840 Insurance Information Act of 2008 H.R. 5792 Increasing Insurance Coverage Options for Consumers Act H.R. 2638 Consolidated Security, Disaster Assistance and Continuing Appropriations Act, 2009

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to asbestos compensation, medical malpractice insurance, terrorism insurance, worker's compensation, and risk retention groups H.R. 1682 Flood Insurance Reform and Modernization Act of 2007 H.R. 3121 Flood Insurance Reform and Modernization Act of 2007 H.R. 537 Commission on Catastrophic Disaster Risk and Insurance Act of 2007 S. 292 Commission on Catastrophic Disaster Risk and Insurance Act of 2007 S. 928 Homeowners' Protection Act of 2007 H.R. 91 Homeowners Insurance Protection Act of 2007 H.R. 330 Homeowners' Insurance Availability Act of 2007 S. 618 Insurance Industry Competition Act of 2007 H.R. 1081 Insurance Industry Competition Act of 2007 S. 40 National Insurance Act of 2007 H.R. 3200 National Insurance Act of 2007 S. 929 Nonadmitted and Reinsurance Reform Act of 2007 H.R. 1065 Nonadmitted and Reinsurance Reform Act of 2007 H.R. 1638 James Zadroga 9/11 Health and Compensation Act H.R. 3543 James Zadroga 9/11 Health and Compensation Act of 2007 H.R. 2497 Fair and Reliable Medical Justice Act S. 1481 Fair and Reliable Medical Justice Act S. 2284 Flood Insurance Reform and Modernization Act of 2007 H.R. 3355 Homeowner's Defense Act of 2007 H.R. 3644 Commission of Natural Catastrophe Risk Management and Insurance Act of 2007 S. 2286 Commission of Natural Catastrophe Risk Management and Insurance Act of 2007 H.R. 3959 To Amend the National Flood Insurance Act of 1968 H.R. 920 Multiple Peril Insurance Act of 2007 H.R. 5840 Insurance Information Act of 2008 H.R. 5792 Increasing Insurance Coverage Options for Consumers Act H.R. 2638 Consolidated Security, Disaster Assistance and Continuing Appropriations Act, 2009

Client expense: $102,422 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HR 3200/S 40 - "National Insurance Act of 2007" - Creates a federal insurance regulator HR 1065/S 929 - "Nonadmitted and Reinsurance Reform Act of 2007" - Changes to the regulation of surplus lines and reinsurance markets HR 5611 - "National Association of Registered Agents and Brokers Reform Act of 2008" - Multi-state licensing of insurance agents HR 1081/S 618 - "Insurance Industry Competition Act of 2007" - Amends McCarran-Ferguson Act of 1945 and expands Federal Trade Commission (FTC)/Department of Justice (DOJ) oversight of insurers S 2621 - "Terrorism Risk Insurance Improvement Act of 2008" - Provides for a reset mechanism of the Terrorism Risk Insurance Act of 2002 HR 3355/S 2310 - "Homeowners Defense Act of 2007" - Establishes a state bond selling consortium, Treasury loan program, and reinsurance sale HR 537/S 292 - "Commission on Catastrophic Disaster Risk and Insurance Act of 2007" - Creates a bipartisAn commission to study natural disaster proposals HR 3121/S 2284 - "Flood Insurance Reform and Modernization Act of 2007" - Reauthorizes and reforms the National Flood Insurance Program S 1693/HR 6357 - "Wired for Health Care Quality Act of 2007" - Proposed amendment to inhibit life insurers use of data HR 5633 - "Nondiscriminatory Use of Consumer Reports and Consumer Information Act of 2008" - Prohibits use of credit scores with personal lines of insurance HR 3926 - "Safe Building Code Incentive Act of 2007" - Provides incentives for states to adopt and enforce building codes through grants HR 4461/S 2458 - "Community Building Code Administration Grant Act of 2007" - Provides grants for increased staffing of building codes administrations HR 5840 - "Insurance Information Act of 2008" - creates a federal oversight office to provide advice and expertise on insurance regulation to the Administration and Congress HR 6062 - "Personal Lines fo Insurance Fairness Act of 2008" - Prohibits use of credit scores with personal lines of insurance Enhanced Homeowners Insurance Policy (EHIP), proposal would add flood coverage to a standard homeowner's insurance policy HR 2638 - "Consolidated Security, Disaster Assistance, and Continuing Appropriations Act of 2009" - Continuing Resolution which includes an extension of the National Flood Insurance Program

Client expense: $610,000 · Firm income: Not reported

Government targets: Federal Emergency Management Agency (FEMA), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Office of Thrift Supervision (OTS), SENATE, Treasury, Dept of, U.S. Copyright Office

S 292--Commission on Catastrophic Disaster Risk and Insurance Act of 2007, all provisions; HR 537--Commission on Catastrophic Disaster Risk and Insurance Act of 2007, all provisions; S 545--Passenger Vehicle Loss Disclosure Act, all provisions; HR 1081--Insurance Industry Competition Act of 2007, all provisions; S 618--Insurance Industry Competition Act of 2007, all provisions; S 1061--Homeowners' Insurance Noncoverage Disclosure Act, all provisions; S 40--National Insurance Act of 2007, all provisions; HR 1289--Community Reinvestment Modernization Act of 2007, all provisions; HR 3200--National Insurance Act of 2007, all provisions; S 2621--Terrorism Risk Insurance Improvement Act of 2008, all provisions; HR 5840--Insurance Information Act of 2008, all provisions; HR 5611--National Association of Registered Agents and Brokers Reform Act of 2008, all provisions; HR 6062--Personal Lines of Insurance Fairness Act of 2008, all provisions; HR 5792--Increasing Insurance Coverage Options for Consumers Act of 2008, all provisions related to amendments of the Risk Retention Act.

Client expense: $240,000 · Firm income: Not reported

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

HR 164, S 926 Policyholder Disaster Protection Act of 2007; HR 330 Homeowners Insurance Availability Act; HR 1787 and S 927 Catastrophic Savings Accounts; HR 91, S 928 Homeowners Protection Act of 2007; HR 537, HR 3644, S 292, S 2286 bills to create a Commission of Catastrophic Risk and Insurance; HR 3355, S 2310 Homeowners Defense Act of 2007, S 2327 Homeowners Insurance Assistance Act; S 2328 Property Mitigation Assistance Act; On all these bills our interest is for Congress to determine the most appropriate method and level of involvement for the federal government in response to insurance protection issues for natural disasters. Specifically, we support the creation of a federal Commission to further study the issue, and efforts that encourage greater mitigation of disaster risks. We have concerns about too much federal interference with the private marketplace.

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

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