Credit Union Regulatory Improvements Act of 2008

H. R. 1537/S. 2957 - Credit Union Regulatory Improvements Act - To advance credit union efforts to promote economic growth, modify credit union regulatory standards and reduce burdens, and for other purposes. HR 556 Amendments to Federal Credit Union Act. HR 627 / S235 Credit Cardholder's Bill of Rights Act of 2009 - aimed at leveling the playing field between credit card companies and consumers and abolishes industry abuses that have been described by regulators as unfair, deceptive and anti-competitive. HR 1479 Community Reinvestment Modernization Act of 2009 - would extend the Community Reinvestment Act (CRA) beyond banks to other financial institutions: mortgage banks, financial holding companies, insurance companies, securities companies, and mainstream credit unions. HR 2351 To amend the Federal Credit Union Act to increase the borrowing authority of the National Credit Union Administration, and for other purposes. HR 3126 Financial Servcies Regulatory Reform proposed legislation. H.R. 3639 Expedited CARD Reform for Consumers Act of 2009. S. 414/S 3252 Credit CARD Act - A bill to amend the Consumer Credit Protection Act, to ban abusive credit practices, enhance consumer disclosures, protect underage consumers, and for other purposes.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

H. R. 1537/S. 2957 - Credit Union Regulatory Improvements Act - To advance credit union efforts to promote economic growth, modify credit union regulatory standards and reduce burdens, and for other purposes. H. R. 1537/S. 2957 - Credit Union Regulatory Improvements Act - To advance credit union efforts to promote economic growth, modify credit union regulatory standards and reduce burdens, and for other purposes. HR 556 Amendments to Federal Credit Union Act HR 627 / S235 Credit Cardholder's Bill of Rights Act of 2009 - aimed at leveling the playing field between credit card companies and consumers and abolishes industry abuses that have been described by regulators as unfair, deceptive and anti-competitive. HR 703 To promote bank liquidity and lending through deposit insurance, the HOPE for Homeowners Program and other enhancements HR 786 To make permanent the temporary increase in deposit insurance coverage and for other purposes. HR 1106 Helping Families Save Their Homes Act of 2009 - To prevent mortgage foreclosures and enhance mortgage credit availability HR 1214 - Payday Loan reform Act of 2009 - would amend the Truth in Lending Act to establish additional payday loan disclosure requirements and other protections for consumers. HR 1479 Community Reinvestment Modernization Act of 2009 - would extend the Community Reinvestment Act (CRA) beyond banks to other financial institutions: mortgage banks, financial holding companies, insurance companies, securities companies, and mainstream credit unions. HR 2351 To amend the Federal Credit Union Act to increase the borrowing authority of the National Credit Union Administration, and for other purposes. HR 3126 Financial Servcies Regulatory Reform proposed legislation H.R. 3639 Expedited CARD Reform for Consumers Act of 2009 S 61 Helping Families Save Their Homes in Bankruptcy Act of 2009 - will allow Bankruptcy Judges to modify the mortgages on residential real estate, a practice which the current Bankruptcy Code prohibits. S. 896 A bill to prevent mortgage foreclosures and enhance mortgage credit availability. S. 414/S 3252 Credit CARD Act - A bill to amend the Consumer Credit Protection Act, to ban abusive credit practices, enhance consumer disclosures, protect underage consumers, and for other purposes. S.1212 Credit Card Fair Fee Act of 2009 A bill to amend the antitrust laws to ensure competitive market-based fees and terms for merchants' access to electronic payment systems.

HR 1 American Recovery and Reinvestment Act (stimulus bill) - Making supplemental appropriations for job preservation and creation, infrastructure investment, energy efficiency and science, assistance to the unemployed, and State and local fiscal stabilization, for the fiscal year ending September 30, 2009, and for other purposes. H. R. 1537/S. 2957 - Credit Union Regulatory Improvements Act - To advance credit union efforts to promote economic growth, modify credit union regulatory standards and reduce burdens, and for other purposes. HR 556 Amendments to Federal Credit Union Act HR 627 / S235 Credit Cardholder's Bill of Rights Act of 2009 - aimed at leveling the playing field between credit card companies and consumers and abolishes industry abuses that have been described by regulators as unfair, deceptive and anti-competitive. HR 703 To promote bank liquidity and lending through deposit insurance, the HOPE for Homeowners Program and other enhancements HR 786 To make permanent the temporary increase in deposit insurance coverage and for other purposes. HR 1105 Omnibus Appropriations Act of 2009 - The Fiscal Year 2009 omnibus totals $410 billion spending bill and includes nine appropriation bills that were not passed by Congress last year (Agriculture, Commerce/State/Justice, Energy and Water, Financial Services, Department of Interior, Labor/HHS, Legislative Branch, Department of State/Foreign Ops, Transportation/HUD). Funding for these government agencies and programs would increase by $32 billion, or 8.3%, over Fiscal Year 2008 (not including the funds appropriated by the recent "stimulus"). These agencies are currently funded at Fiscal Year 2008 levels through March 6, 2009, by a continuing resolution. HR 1106 Helping Families Save Their Homes Act of 2009 - To prevent mortgage foreclosures and enhance mortgage credit availability HR 1214 - Payday Loan reform Act of 2009 - would amend the Truth in Lending Act to establish additional payday loan disclosure requirements and other protections for consumers. HR 1479 Community Reinvestment Modernization Act of 2009 - would extend the Community Reinvestment Act (CRA) beyond banks to other financial institutions: mortgage banks, financial holding companies, insurance companies, securities companies, and mainstream credit unions. HR 3126 Financial Servcies Regulatory Reform proposed legislation S 61 Helping Families Save Their Homes in Bankruptcy Act of 2009 - will allow Bankruptcy Judges to modify the mortgages on residential real estate, a practice which the current Bankruptcy Code prohibits

HR 1 American Recovery and Reinvestment Act (stimulus bill) - Making supplemental appropriations for job preservation and creation, infrastructure investment, energy efficiency and science, assistance to the unemployed, and State and local fiscal stabilization, for the fiscal year ending September 30, 2009, and for other purposes. H. R. 1537/S. 2957 - Credit Union Regulatory Improvements Act - To advance credit union efforts to promote economic growth, modify credit union regulatory standards and reduce burdens, and for other purposes. HR 556 Amendments to Federal Credit Union Act HR 627 / S235 Credit Cardholder's Bill of Rights Act of 2009 - aimed at leveling the playing field between credit card companies and consumers and abolishes industry abuses that have been described by regulators as unfair, deceptive and anti-competitive. HR 703 To promote bank liquidity and lending through deposit insurance, the HOPE for Homeowners Program and other enhancements HR 786 To make permanent the temporary increase in deposit insurance coverage and for other purposes. HR 1105 Omnibus Appropriations Act of 2009 - The Fiscal Year 2009 omnibus totals $410 billion spending bill and includes nine appropriation bills that were not passed by Congress last year (Agriculture, Commerce/State/Justice, Energy and Water, Financial Services, Department of Interior, Labor/HHS, Legislative Branch, Department of State/Foreign Ops, Transportation/HUD). Funding for these government agencies and programs would increase by $32 billion, or 8.3%, over Fiscal Year 2008 (not including the funds appropriated by the recent "stimulus"). These agencies are currently funded at Fiscal Year 2008 levels through March 6, 2009, by a continuing resolution. HR 1106 Helping Families Save Their Homes Act of 2009 - To prevent mortgage foreclosures and enhance mortgage credit availability HR 1214 - Payday Loan reform Act of 2009 - would amend the Truth in Lending Act to establish additional payday loan disclosure requirements and other protections for consumers. HR 1479 Community Reinvestment Modernization Act of 2009 - would extend the Community Reinvestment Act (CRA) beyond banks to other financial institutions: mortgage banks, financial holding companies, insurance companies, securities companies, and mainstream credit unions. HR 3126 Financial Servcies Regulatory Reform proposed legislation S 61 Helping Families Save Their Homes in Bankruptcy Act of 2009 - will allow Bankruptcy Judges to modify the mortgages on residential real estate, a practice which the current Bankruptcy Code prohibits

HR 1 American Recovery and Reinvestment Act (stimulus bill) - Making supplemental appropriations for job preservation and creation, infrastructure investment, energy efficiency and science, assistance to the unemployed, and State and local fiscal stabilization, for the fiscal year ending September 30, 2009, and for other purposes. H. R. 1537/S. 2957 - Credit Union Regulatory Improvements Act - To advance credit union efforts to promote economic growth, modify credit union regulatory standards and reduce burdens, and for other purposes. HR 556 Amendments to Federal Credit Union Act HR 627 / S235 Credit Cardholder's Bill of Rights Act of 2009 - aimed at leveling the playing field between credit card companies and consumers and abolishes industry abuses that have been described by regulators as unfair, deceptive and anti-competitive. HR 703 To promote bank liquidity and lending through deposit insurance, the HOPE for Homeowners Program and other enhancements HR 786 To make permanent the temporary increase in deposit insurance coverage and for other purposes. HR 1105 Omnibus Appropriations Act of 2009 - The Fiscal Year 2009 omnibus totals $410 billion spending bill and includes nine appropriation bills that were not passed by Congress last year (Agriculture, Commerce/State/Justice, Energy and Water, Financial Services, Department of Interior, Labor/HHS, Legislative Branch, Department of State/Foreign Ops, Transportation/HUD). Funding for these government agencies and programs would increase by $32 billion, or 8.3%, over Fiscal Year 2008 (not including the funds appropriated by the recent "stimulus"). These agencies are currently funded at Fiscal Year 2008 levels through March 6, 2009, by a continuing resolution. HR 1106 Helping Families Save Their Homes Act of 2009 - To prevent mortgage foreclosures and enhance mortgage credit availability HR 1214 - Payday Loan reform Act of 2009 - would amend the Truth in Lending Act to establish additional payday loan disclosure requirements and other protections for consumers. HR 1479 Community Reinvestment Modernization Act of 2009 - would extend the Community Reinvestment Act (CRA) beyond banks to other financial institutions: mortgage banks, financial holding companies, insurance companies, securities companies, and mainstream credit unions. HR 3126 Financial Servcies Regulatory Reform proposed legislation S 61 Helping Families Save Their Homes in Bankruptcy Act of 2009 - will allow Bankruptcy Judges to modify the mortgages on residential real estate, a practice which the current Bankruptcy Code prohibits

HR 1 American Recovery and Reinvestment Act (stimulus bill) - Making supplemental appropriations for job preservation and creation, infrastructure investment, energy efficiency and science, assistance to the unemployed, and State and local fiscal stabilization, for the fiscal year ending September 30, 2009, and for other purposes. H. R. 1537/S. 2957 - Credit Union Regulatory Improvements Act - To advance credit union efforts to promote economic growth, modify credit union regulatory standards and reduce burdens, and for other purposes. HR 627 / S235 Credit Cardholder's Bill of Rights Act of 2009 - aimed at leveling the playing field between credit card companies and consumers and abolishes industry abuses that have been described by regulators as unfair, deceptive and anti-competitive. HR 703 To promote bank liquidity and lending through deposit insurance, the HOPE for Homeowners Program and other enhancements HR 786 To make permanent the temporary increase in deposit insurance coverage and for other purposes. HR 1105 Omnibus Appropriations Act of 2009 - The Fiscal Year 2009 omnibus totals $410 billion spending bill and includes nine appropriation bills that were not passed by Congress last year (Agriculture, Commerce/State/Justice, Energy and Water, Financial Services, Department of Interior, Labor/HHS, Legislative Branch, Department of State/Foreign Ops, Transportation/HUD). Funding for these government agencies and programs would increase by $32 billion, or 8.3%, over Fiscal Year 2008 (not including the funds appropriated by the recent "stimulus"). These agencies are currently funded at Fiscal Year 2008 levels through March 6, 2009, by a continuing resolution. HR 1106 Helping Families Save Their Homes Act of 2009 - To prevent mortgage foreclosures and enhance mortgage credit availability HR 1214 - Payday Loan reform Act of 2009 - would amend the Truth in Lending Act to establish additional payday loan disclosure requirements and other protections for consumers. HR 1479 Community Reinvestment Modernization Act of 2009 - would extend the Community Reinvestment Act (CRA) beyond banks to other financial institutions: mortgage banks, financial holding companies, insurance companies, securities companies, and mainstream credit unions. S 61 Helping Families Save Their Homes in Bankruptcy Act of 2009 - will allow Bankruptcy Judges to modify the mortgages on residential real estate, a practice which the current Bankruptcy Code prohibits

S. 163, Small Business Disaster Response and Loan Improvements Act of 2007 (all provisions) S. 413, Community Choice in Real Estate Act (all provisions) S. 869, the Compete Act of 2007 (all provisions) S. 927, Catastrophe Savings Accounts Act of 2007 (all provisions) S. 1176, the Credit Card Minimum Payment Warning Act (all provisions) S. 1299, Borrowers Protection Act of 2007 (all provisions) S. 1309, the Universal Default Prohibition Act of 2007 To amend the Truth in Lending Act to prohibit universal defaults on credit card accounts S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007 (all provisions) S. 2036, the Protecting Access to Safe Mortgages Act (all provisions) S. 2169, the Promoting Refinancing Opportunities for Mortgages Impacted by the Subprime Emergency Act of 2007 (all provisions) S. 2452, the Home Ownership Preservation and Protection Act of 2007 (all provisions) S. 2636, the Foreclosure Prevention Act of 2008 (all provisions, including mortgage-bankruptcy, credit counseling, adjustments to mortgage bonds, and net operating loss carry-back provisions) S. 2753, the Credit Card Reform Act of 2008 (all provisions) S. 2957, the Credit Union Regulatory Improvements Act of 2007 (all provisions) S. 3086, the Credit Card Fair Fee Act of 2008 (all provisions) S. 3252, the Credit CARD Act of 2008 (all provisions) S. 3287, the Protecting Consumers from Unreasonable Credit Rates Act of 2008 (all provisions) H.Res. 526, expressing the sense of the House that Government action should be taken that protects buyers from unscrupulous mortgage brokers and lenders H.R. 41, the Business Checking Fairness Act of 2007 (all provisions) H.R. 111, the Community Choice in Real Estate Act (all provisions) H.R. 873, the Credit Card Payment Fee Act of 2007 To amend the Truth in Lending Act to prohibit fees by creditors for payments on credit card accounts by electronic fund transfers H.R. 946, the Consumer Overdraft Protection Fair Practices Act To extend the protections of the Truth in Lending Act to overdraft protection programs and services provided by depository institutions. H.R. 1066, the Depository Institution Community Development Investments Enhancement Act (all provisions) H.R. 1314, the Photo Identification Security Act (all provisions) H.R. 1361, the Relief for Entrepreneurs: Coordination of Objectives and Values for Effective Recovery Act of 2007 (RECOVER Act) (all provisions) H.R. 1461, the Consumer Credit Protection Act (all provisions) H.R. 1508, the Compete Act of 2007 (all provisions) H.R. 1510, the Credit Card Repayment Act of 2007 (all provisions) H.R. 1515, the Housing and Community Development Act of 1974 to treat certain communities as metropolitan cities for purposes of the community development block grant program (all provisions) H.R. 1787, the Catastrophe Savings Accounts Act of 2007 (all provisions) H.R. 1849, the Credit Union Small Business Lending Act (all provisions) H.R. 2146, the Universal Default Prohibition Act of 2007 To amend the Truth in Lending Act to prohibit universal defaults on credit card accounts H.R. 2911, the Electronic Funds Transfer Equal Consumer Protection Act (all provisions) H.R. 3012, the Fair Mortgage Practices Act of 2007 (all provisions) H.R. 3221, the American Housing Rescue and Foreclosure Prevention Act of 2008 (all provisions) H.R. 3526, to include all banking agencies within the existing regulatory authority under the Federal Trade Commission Act with respect to depository institutions (all provisions) H.R. 3837, the Escrow, Appraisal, and Mortgage Servicing Improvements Act (all provisions H.R. 3838, to temporarily increase the portfolio caps applicable to Freddie Mac and Fannie Mae, to provide the necessary financing to curb foreclosures by facilitating the refinancing of at-risk subprime borrowers into safe, affordable loans (all provisions) H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007 (all provisions) H.R. 4049, the Money Service Business Act of 2007 (all provisions) H.R. 5244, the Credit Cardholders Bill of Rights Act of 2008 (all provisions) H.R. 5546, the Credit Card Fair Fee Act of 2008 (all provisions) H.R. 5633, the Nondiscriminatory Use of Consumer Reports and Consumer Information Act of 2008 (all provisions to modify the Fair Credit Reporting Act) Proposals to address anticipated mortgage foreclosures. Proposals to address predatory lending practices in the subprime mortgage market Proposal to freeze interest rates on certain subprime mortgage loans Frank-Schumer GSE cap increase bill Proposed Fair Credit for Families legislation to create a Financial Product Safety Commission, establish a 30 percent cap on annual credit card interest rates, require clearer disclosures on credit card terms and fees, and provide more funds to promote financial literacy. Dodd-Frank proposed foreclosure prevention legislation that would provide federal funds to state housing authorities for buying foreclosed properties and Federal Housing Administration guarantees for refinancing distressed mortgages. Frank proposal to create a financial services risk regulator. Anti-Money-Laundering programs/proposals. General proposals to restructure the financial services regulatory structure. Deposit insurance policies. Programs to bring people into the financial mainstream. Bank examination practices and policies. Proposal regarding garnishment of federal benefits payments. Examined Treasury plans to protect financial markets; Fannie and Freddie preferred stock. H.R. 6871, the Expedited Funds Availability Dollar Limits Adjustment Act of 2008

S. 869, the Compete Act of 2007 (all provisions) S. 1356, the Industrial Bank Holding Company Act of 2007 (all provisions) S. 2957, the Credit Union Regulatory Improvements Act (all provisions) H.Con. Res. 140, the Financial Services Diversity Initiative (all provisions) S. 3254, To amend the Internal Revenue Code of 1986 to allow banks to be taxed as limited liability companies, and for other purposes (all provisions) HR. 323, the Seasoned Customer CTR Exemption Act of 2007 (all provisions) H.R. 698, the Industrial Bank Holding Company Act of 2007 (all provisions) H.R. 755, the Promoting Transparency in Financial Reporting Act of 2007 (all provisions) H.R. 1171, the Money Market Fund Parity Act of 2007 (all provisions) H.R. 1257, the Shareholder Vote on Executive Compensation Act (all provisions) H.R. 1424, the Emergency Economic Stabilization Act of 2008 (all provisions, including Treasury asset-purchase proposal, business tax provisions, FDIC coverage, SEC rules, accounting provisions, revenue offsets, GSE preferred stock tax accounting rules, proposed bankruptcy provisions) H.R.1508, the Compete Act of 2007 (all provisions) H.R. 1537, the Credit Union Regulatory Improvements Act (all provisions) H.R. 1869, the Communities First Act (all provisions) H.R. 1967, the Financial Privacy Notice Relief Act of 2007 (all provisions) H.R. 2547, the FDIC Enforcement Enhancement Act (all provisions) H.R. 2727, the Small Business SOX Compliance Extension Act (all provisions) H.R. 3013, the Affordable Financial Services Enhancement Act (all provisions) H.R. 3997, the Emergency Economic Stabilization Act of 2008 (all provisions, including Treasury asset-purchase proposal, SEC rules, accounting provisions, GSE preferred stock tax accounting rules, proposed bankruptcy provisions) H.R. 4043, the Preserving and Expanding Minority Depository Institutions Act (all provisions) H.R. 5519, the Credit Union Regulatory Relief Act of 2008 (all provisions) H.R. 6312, the Credit Union, Bank, and Thrift Regulatory Relief Act of 2008 (all provisions) H.R. 6659, the Equal Treatment of Covered Bonds Act of 2008 (all provisions) Proposals regarding 500-shareholder threshold for SEC registration under Sarbanes-Oxley Acts Section 404 Banking Committee draft legislation on industrial loan company (ILC) regulation Regulation Z proposal intended to curb subprime mortgage abuses

Credit Union Regulatory Relief Act, H.R. 1537/S. 2957, all provisions; Credit Union, Bank, Thrift Regulatory Relief Act, H.R. 6312, Title I, Title II, (sections 202, 204), Title III, Title IV (section 405); Credit Card Fair Fee Act, H.R. 5546/S.3086, all provisions; Emergency Economic Stabilization Act, H.R. 3997/1424.

Client expense: $120,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Natl Credit Union Administration (NCUA), SENATE

Credit Union Regulatory Improvement Act (HR. 1537); Credit Unions Small Business Lending Act (HR. 1849); Flood Insurance Reform and Modernization Act of 2007 (HR. 3121); National Affordable Housing Trust Fund Act of 2007 (HR. 2895); Terrorism Risk Insurance Revision and Extension Act of 2007 (HR. 2761);Industrial Bank Holding Company Act of 2007 (HR. 698); Expanding Homeownership Act of 2007 (HR. 1852);Federal Housing Finance Reform Act of 2007 (HR. 1427); The Housing Assistance Authorization Act of 2007 (HR. 1923); The Private Student Loan Transparency Act of 2007; The Small Business and Work Opportunity Act of 2007 (S. 349); The Small Business Lending and Reauthorization and Improvement Act of 2007 (S. 1256); The Entrepreneurial Development Act of 2007 (S. 1671); Small Business Venture Capital Act of 2007 (S. 1662); The Small Business Tax Relief Act of 2007 (HR. 976); Social Security Number Privacy and Identity Theft Protection Act of 2007 (HR. 3046); FY 2008 Financial Services Appropriations Bill (HR. 2829); Financial Consumer Hotline Act of 2007 (HR. 4332); Mortgage Reform and Anti-Predatory Lending Act of 2007 (HR. 3915); Escrow, Appraisal and Mortgage Servicing Improvements Act fo 2007 (HR. 3837); Homeowners Defense Act of 2007 (HR. 3355); HOPE VI Improvement and Re-Authorization Act of 2007 (HR. 3524); National Affordable Housing Trust Fund Act of 2007(HR. 2895); Consumer Overdraft Protection Act of 2007 (HR. 946); Identity Theft Protection Act of 2007 (HR. 3316);Credit Card Interchange Fees(HR. 5546; The Credit Unions Regulatory Relief Act (HR. 5519); The Foreclosure Prevention and Sound Mortgage Servicing Act of 2008 (HR. 5679); The Emergency Loan Modification Act of 2008 (HR. 5579); The Jubilee Act for Responsible Lending and Expanded Debt Cancellation Act of 07 (HR. 2634);The Credit Cardholders Bill of Rights Act of 2008 (HR. 5244); The Internet Tax Freedom Act Amendments of 2007 (HR. 3678); The College Student Relief Act of 2007 (S. 282); The Helping Families Save Their Homes in Bankruptcy Act of 2007 (S. 2136); The Economic Stimulus and Recovery Act of 2008; Department of Defense Reauthorization; CDFI Appropriations; CLF Appropriations; Regulatory Relief for financial institutions; Financial literacy; Financial modernization; The Foreclosure Prevention Act of 2008 (HR. 3221); The Credit Union, Bank, Thrift Regulatory Relief Act of 2008 (H.R. 6312); The Credit Union Regulatory Relief Act of 2008 (S. 2957); The Credit Card Interchange Fee Act of 2008 (HR. 6248); The Credit Card Fair Fee Act of 2008 (HR. 5546); The Internet Gambling Regulation and Tax Enforcement Act of 2008 (HR. 5523); The FHA Housing Stabilization and Homeowner Retention Act of 2008 (HR. 5830); The Payment System Protection Act of 2008 (HR. 5767);The Payment Systems Protection Act of 2008, (HR. 6870); Emergency Economic Stabilization Act of 2008;Central Liquidity Fund Cap (CLF); Real Estate Settlement Practices Act of 1974 (RESPA).

Credit Union Regulatory Improvement Act (HR. 1537); Credit Unions Small Business Lending Act (HR. 1849); Flood Insurance Reform and Modernization Act of 2007 (HR. 3121); National Affordable Housing Trust Fund Act of 2007 (HR. 2895); Terrorism Risk Insurance Revision and Extension Act of 2007 (HR. 2761);Industrial Bank Holding Company Act of 2007 (HR. 698); Expanding Homeownership Act of 2007 (HR. 1852);Federal Housing Finance Reform Act of 2007 (HR. 1427); The Housing Assistance Authorization Act of 2007 (HR. 1923); The Private Student Loan Transparency Act of 2007; The Small Business and Work Opportunity Act of 2007 (S. 349); The Small Business Lending and Reauthorization and Improvement Act of 2007 (S. 1256); The Entrepreneurial Development Act of 2007 (S. 1671); Small Business Venture Capital Act of 2007 (S. 1662); The Small Business Tax Relief Act of 2007 (HR. 976); Social Security Number Privacy and Identity Theft Protection Act of 2007 (HR. 3046); FY 2008 Financial Services Appropriations Bill (HR. 2829); Financial Consumer Hotline Act of 2007 (HR. 4332); Mortgage Reform and Anti-Predatory Lending Act of 2007 (HR. 3915); Escrow, Appraisal and Mortgage Servicing Improvements Act fo 2007 (HR. 3837); Homeowners Defense Act of 2007 (HR. 3355); HOPE VI Improvement and Re-Authorization Act of 2007 (HR. 3524); National Affordable Housing Trust Fund Act of 2007(HR. 2895); Consumer Overdraft Protection Act of 2007 (HR. 946); Identity Theft Protection Act of 2007 (HR. 3316);Credit Card Interchange Fees;The Credit Unions Regulatory Relief Act (HR. 5519); The Foreclosure Prevention and Sound Mortgage Servicing Act of 2008 (HR. 5679); The Emergency Loan Modification Act of 2008 (HR. 5579); The Jubilee Act for Responsible Lending and Expanded Debt Cancellation Act of 07 (HR. 2634);The Credit Cardholders Bill of Rights Act of 2008 (HR. 5244); The Internet Tax Freedom Act Amendments of 2007 (HR. 3678); The College Student Relief Act of 2007 (S. 282); The Helping Families Save Their Homes in Bankruptcy Act of 2007 (S. 2136); The Economic Stimulus and Recovery Act of 2008; Department of Defense Reauthorization;Appropriations; Regulatory Relief for financial institutions; Financial literacy; Financial modernization; The Foreclosure Prevention Act of 2008 (HR. 3221); The Credit Union, Bank, Thrift Regulatory Relief Act of 2008 (H.R. 6312); The Credit Union Regulatory Relief Act of 2008 (S. 2957); The Credit Card Interchange Fee Act of 2008 (HR. 6248); The Credit Card Fair Fee Act of 2008 (HR. 5546); The Internet Gambling Regulation and Tax Enforcement Act of 2008 (HR. 5523); The FHA Housing Stabilization and Homeowner Retention Act of 2008 (HR. 5830); The Payment System Protection Act of 2008 (HR. 5767); The Payment Systems Protection Act of 2008, (HR. 6870); Emergency Economic Stabilization Act of 2008; Central Liquidity Fund Cap (CLF); Real Estate Settlement Practices Act of 1974 (RESPA).

S.2136, Helping Families Save Their Homes in Bankruptcy Act of 2007 (Sen. Durbin) - To address the treatment of primary mortgages in bankruptcy, and for other purposes. H. R. 1537/S. 2957 - Credit Union Regulatory Improvements Act - To advance credit union efforts to promote economic growth, modify credit union regulatory standards and reduce burdens, and for other purposes. Community Reinvestment Act, opposing efforts to include credit unions under CRA. H.R. 5519 Credit Union Regulatory Relief Act of 2008 To advance credit union efforts to promote economic growth, modify credit union regulatory standards and reduce burdens, to provide regulatory relief and improve productivity for insured depository institutions, and for other purposes. Permits a credit union to invest in securities for its own account, subject to certain percentage limitations; and increases the investment and lending limit to credit union service organizations from 1% to 3% of a credit unions total paid and unimpaired capital and surplus. H.R. 5546/S. 3086 Credit Card Fair fee Act of 2008 (Rep. Conyers/Sen. Durbin); To amend the antitrust laws to ensure competitive market-based rates and terms for merchants' access to electronic payment systems H.R. 2638 Consolidated Security, Disaster Assistance, and Continuing Appropriations Act, 2009. Continuing Resolution to fund the federal government through March 6, 2009. Lobbied for full funding authorization for the Central Liquidity Facility. HR 1424, Emergency Economic Stabilization Act of 2008. A bill to provide authority for the Federal Government to purchase and insure certain types of troubled assets for the purposes of providing stability to and preventing disruption in the economy and financial system and protecting taxpayers. NAFCU lobbied to ensure that credit unions were fully included in the TARP program.

S. 163, Small Business Disaster Response and Loan Improvements Act of 2007 (all provisions) S. 413, Community Choice in Real Estate Act (all provisions) S. 869, The COMPETE Act of 2007 (all provisions) S. 927, Catastrophe Savings Accounts Act of 2007 (all provisions) S. 1176, the Credit Card Minimum Payment Warning Act (all provisions) S. 1299, Borrowers Protection Act of 2007 (all provisions) S. 1309, the Universal Default Prohibition Act of 2007 To amend the Truth in Lending Act to prohibit universal defaults on credit card accounts S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007 (all provisions) S. 2036, the Protecting Access to Safe Mortgages Act (all provisions) S. 2169, the Promoting Refinancing Opportunities for Mortgages Impacted by the Subprime Emergency Act of 2007 (all provisions) S. 2452, the Home Ownership Preservation and Protection Act of 2007 (all provisions) S. 2636, the Foreclosure Prevention Act of 2008 (all provisions, including mortgage-bankruptcy, credit counseling, adjustments to mortgage bonds, and net operating loss carry-back provisions) S. 2753, the Credit Card Reform Act of 2008 (all provisions) S. 2957, the Credit Union Regulatory Improvements Act of 2007 (all provisions) S. 3086, the Credit Card Fair Fee Act of 2008 (all provisions) S. 3252, the Credit CARD Act of 2008 (all provisions) S. 3287, the Protecting Consumers from Unreasonable Credit Rates Act of 2008 (all provisions) H.Res. 526, expressing the sense of the House that Government action should be taken that protects buyers from unscrupulous mortgage brokers and lenders H.R. 41, the Business Checking Fairness Act of 2007 (all provisions) H.R. 111, the Community Choice in Real Estate Act (all provisions) H.R. 873, the Credit Card Payment Fee Act of 2007 To amend the Truth in Lending Act to prohibit fees by creditors for payments on credit card accounts by electronic fund transfers Proposed Fair Credit for Families legislation to create a Financial Product Safety Commission, establish a 30 percent cap on annual credit card interest rates, require clearer disclosures on credit card terms and fees, and provide more funds to promote financial literacy. H.R. 946, the Consumer Overdraft Protection Fair Practices Act To extend the protections of the Truth in Lending Act to overdraft protection programs and services provided by depository institutions H.R. 1066, the Depository Institution Community Development Investments Enhancement Act (all provisions) H.R. 1314, the Photo Identification Security Act (all provisions) H.R. 1361, the Relief for Entrepreneurs: Coordination of Objectives and Values for Effective Recovery Act of 2007 (RECOVER Act) (all provisions) H.R. 1461, the Consumer Credit Protection Act (all provisions) H.R. 1508, the Compete Act of 2007 (all provisions) H.R. 1510, the Credit Card Repayment Act of 2007 (all provisions) H.R. 1515, the Housing and Community Development Act of 1974 to treat certain communities as metropolitan cities for purposes of the community development block grant program (all provisions) H.R. 1787, the Catastrophe Savings Accounts Act of 2007 (all provisions) H.R. 1849, the Credit Union Small Business Lending Act (all provisions) H.R. 2146, the Universal Default Prohibition Act of 2007 To amend the Truth in Lending Act to prohibit universal defaults on credit card accounts H.R. 2911, the Electronic Funds Transfer Equal Consumer Protection Act (all provisions) H.R. 3012, the Fair Mortgage Practices Act of 2007 (all provisions) H.R. 3221, the American Housing Rescue and Foreclosure Prevention Act of 2008 (all provisions) H.R. 3526, to include all banking agencies within the existing regulatory authority under the Federal Trade Commission Act with respect to depository institutions (all provisions) H.R. 3837, the Escrow, Appraisal, and Mortgage Servicing Improvements Act (all provisions H.R. 3838, to temporarily increase the portfolio caps applicable to Freddie Mac and Fannie Mae, to provide the necessary financing to curb foreclosures by facilitating the refinancing of at-risk subprime borrowers into safe, affordable loans (all provisions) H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007 (all provisions) H.R. 4049, the Money Service Business Act of 2007 (all provisions) H.R. 5244, the Credit Cardholders Bill of Rights Act of 2008 (all provisions) H.R. 5546, the Credit Card Fair Fee Act of 2008 (all provisions) H.R. 5633, the Nondiscriminatory Use of Consumer Reports and Consumer Information Act of 2008 (all provisions to modify the Fair Credit Reporting Act) Proposals to address anticipated mortgage foreclosures Proposals to address predatory lending practices in the subprime mortgage market Proposal to freeze interest rates on certain subprime mortgage loans Frank-Schumer GSE cap increase bill Dodd-Frank proposed foreclosure prevention legislation that would provide federal funds to state housing authorities for buying foreclosed properties and Federal Housing Administration guarantees for refinancing distressed mortgages. Frank proposal to create a financial services risk regulator. Discussions of reform of Anti-Money-Laundering programs. General proposals to restructure the financial services regulatory structure. Deposit insurance policies. Programs to bring people into the financial mainstream. Bank examination practices and policies. Proposal regarding garnishment of federal benefits payments. Prepared for meeting with Senate staff on the health of the industry, housing and FDIC. Fannie Mae and Freddie Mac preferred stock issues. H.R. 6871, the Expedited Funds Availability Dollar Limits Adjustment Act of 2008 H.R. 7326, the Systematic Foreclosure Prevention and Mortgage Modification Act (to establish a systematic mortgage modification program at the FDIC) (all provisions)

S. 869, the Compete Act of 2007 (all provisions) S. 1356, the Industrial Bank Holding Company Act of 2007 (all provisions) S. 2957, the Credit Union Regulatory Improvements Act (all provisions) H.Con. Res. 140, the Financial Services Diversity Initiative (all provisions) S. 3254, To amend the Internal Revenue Code of 1986 to allow banks to be taxed as limited liability companies, and for other purposes (all provisions) HR. 323, the Seasoned Customer CTR Exemption Act of 2007 (all provisions) H.R. 698, the Industrial Bank Holding Company Act of 2007 (all provisions) H.R. 755, the Promoting Transparency in Financial Reporting Act of 2007 (all provisions) H.R. 1171, the Money Market Fund Parity Act of 2007 (all provisions) H.R. 1257, the Shareholder Vote on Executive Compensation Act (all provisions) H.R. 1424, the Emergency Economic Stabilization Act of 2008 (all provisions, including Treasury asset-purchase proposal, business tax provisions, FDIC coverage, SEC rules, accounting provisions, revenue offsets, GSE preferred stock tax accounting rules, proposed bankruptcy provisions) H.R.1508, The COMPETE Act of 2007 (all provisions) H.R. 1537, the Credit Union Regulatory Improvements Act (all provisions) H.R. 1869, the Communities First Act (all provisions) H.R. 1967, the Financial Privacy Notice Relief Act of 2007 (all provisions) H.R. 2547, the FDIC Enforcement Enhancement Act (all provisions) H.R. 2727, the Small Business SOX Compliance Extension Act (all provisions) H.R. 3013, the Affordable Financial Services Enhancement Act (all provisions) H.R. 3997, the Emergency Economic Stabilization Act of 2008 (all provisions, including Treasury asset-purchase proposal, SEC rules, accounting provisions, GSE preferred stock tax accounting rules, proposed bankruptcy provisions) H.R. 4043, the Preserving and Expanding Minority Depository Institutions Act (all provisions) H.R. 5519, the Credit Union Regulatory Relief Act of 2008 (all provisions) H.R. 6312, the Credit Union, Bank, and Thrift Regulatory Relief Act of 2008 (all provisions) H.R. 6659, the Equal Treatment of Covered Bonds Act of 2008 (all provisions) Proposals regarding 500-shareholder threshold for SEC registration under Sarbanes-Oxley Acts Section 404 Banking Committee draft legislation on industrial loan company (ILC) regulation Regulation Z proposal intended to curb subprime mortgage abuses

Please see addendum H.R. 1537, Credit Union Regulatory Improvements Act, all provisions H.R. 890, Student Loan Sunshine Act, all provisions H.R. 41, The Business Checking Fairness Act of 2007, all provisions H.R. 1869 and S. 1405, Communities First Act, all provisions H.R. 958, Data Accountability and Trust Act, all provisions S. 1178, Identity Theft Protection Act, all provisions S. 1260, Data Security Act, all provisions H.R. 111 and S. 4131, The Community Choice in Real Estate Act, all provisions H.R. 946, Consumer Overdraft Protection Practices Act, all provisions H.R. 3915, Mortgage Reform and Anti-Predatory Lending Act of 2007, all provisions H.R. 1427, Federal Housing Finance Reform Act, all provisions S. 1100, Federal Housing Enterprise Regulatory Reform Act, all provisions H.R. 1852, Expanding American Homeownership Act, all provisions S. 2338, Federal Housing Administration Modernization Act, all provisions Financial Services Regulatory Relief Issues H.R. 1289, Community Reinvestment Modernization Act, all provisions H.R. 323, Seasoned Customer CTR Exemption Act, all provisions H.R. 2046, Internet Gambling Regulation and Enforcement Act of 2007, all provisions H.R. 5244, Credit Cardholders' Bill of Rights Act of 2008, all provisions H.R. 5519, Credit Union Regulatory Relief Act, all provisions H.R. 5546, Credit Card Fair Fee Act of 2008, all provisions H.R. 5767, Payment Systems Protection Act, all provisions Nomination of Steven Preston to be Secretary of Housing and Urban Development H.R. 5841, Bank and Thrift Regulatory Relief Act, Title I, Title II (Sections 202,204) Title III, Title IV (section 405) H.R. 5140, Economic Stimulus Act of 2008, Title II H.R. 946, Consumer Overdraft Protection Act, all provisions H.R. 3221, Housing Rescue and Foreclosure Prevention Act, all provisions H.R. 5830, FHA Housing Stabilization and Homeownership Retention Act, all provisions H.R. 6312, Credit Union, Bank and Thrift Regulatory Relief Act, Title I, Title II (sections 202, 204), Title III, Title IV (section 405), all provisions S. 2957, Credit Union Regulatory Improvements Act, all provisions S. 3086, Credit Card Fair Fee Act, all provisions Nomination of Michael Fryzel to be a member of the NCUA Board H.R. 6870, The Payment System Protection Act, all provisions H.R. 3997, Emergency Economic Stablization Act, House Amendment to the Senate Amendment to the House Amendment to the Senate Amendment, Title I, Sections 101-135, related to the Troubled Asset Recovery Program. H.R. 1424, Emergency Economic Stabilization Act, Senate Amendment 5685, Title I, Sections 101-135, related to the Troubled Asset Recovery Program and Section 136, related to the National Credit Union Share Insurance Fund. S. 2284, Flood Insurance Reform and Modernization Act of 2007, all provisions S. 3787, Protecting Consumers from Unreasonable Credit Rates Act of 2008, all provisions S. 3632, Fostering American Independence from Regressive and Abusive Credit Transactions Act of 2008, section 2

Credit Union Regulatory Relief Act, H.R. 1537/S.2957, all provisions; Credit Union, Bank, Thrift Regulatory Relief Act, H.R. 6312, Title I, Title II (sections 202, 204), Title III, Title IV (section 405); Credit Card Fair Fee Act, H.R. 5546/3086, all provisions; Emergency Economic Stabilization Act, H.R.3997/1424.

Client expense: $110,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Natl Credit Union Administration (NCUA), SENATE

H.R.1537: Credit Union Regulatory Improvements Act of 2007 H.R.5519: Credit Union Regulatory Relief Act S.2957: Credit Union Regulatory Improvements Act of 2008 H.R.6312: Credit Union, Bank and Thrift Regulatory Relief Act of 2008 Credit union field of membership; Deposit Insurance H.R.1424: Emergency Economic Stabilization Act of 2008

Client expense: Not reported · Firm income: $30,000

S.2136, Helping Families Save Their Homes in Bankruptcy Act of 2007 (Sen. Durbin) - To address the treatment of primary mortgages in bankruptcy, and for other purposes. H. R. 1537/S. 2957 - Credit Union Regulatory Improvements Act - To advance credit union efforts to promote economic growth, modify credit union regulatory standards and reduce burdens, and for other purposes. Community Reinvestment Act, opposing efforts to include credit unions under CRA. H.R. 5519 Credit Union Regulatory Relief Act of 2008 To advance credit union efforts to promote economic growth, modify credit union regulatory standards and reduce burdens, to provide regulatory relief and improve productivity for insured depository institutions, and for other purposes. Permits a credit union to invest in securities for its own account, subject to certain percentage limitations; and increases the investment and lending limit to credit union service organizations from 1% to 3% of a credit unions total paid and unimpaired capital and surplus. H.R. 6312 Credit Union, Bank and Thrift, Regulatory Relief Act of 2008 (Bill combines H.R. 5519 with H.R. 5841) To advance credit union efforts to promote economic growth, modify credit union regulatory standards and reduce burdens, to provide regulatory relief and improve productivity for insured depository institutions, and for other purposes. Permits a credit union to invest in securities for its own account, subject to certain percentage limitations; and increases the investment and lending limit to credit union service organizations from 1% to 3% of a credit unions total paid and unimpaired capital and surplus. H. Res. 1145 - Recognizing the 100 year anniversary of the establishment of St. Mary's Cooperative Credit Association, the `Bank of the People', and the birth of the American credit union. Nomination of Michael Fryzel for the Board of the National Credit Union Administration didnt support or oppose nomination, just tracked the process and timing H.R. 5546/S. 3086 Credit Card Fair fee Act of 2008 (Rep. Conyers/Sen. Durbin); To amend the antitrust laws to ensure competitive market-based rates and terms for merchants' access to electronic payment systems

H.R.1537: Credit Union Regulatory Improvements Act of 2007 H.R.5519: Credit Union Regulatory Relief Act S.2957: Credit Union Regulatory Improvements Act of 2008 H.R.6312: Credit Union, Bank and Thrift Regulatory Relief Act of 2008 Credit union field of membership; Deposit Insurance H.R.1424: Emergency Economic Stabilization Act of 2008

Client expense: Not reported · Firm income: $30,000

Advocating in support of Industrial Loan Company regualtory reform including passage of the Industrial Bank Holding Company Act of 2007 -- HR 698 and S1356; opposition to legislation for credit union regulatory relief and credit union powers expansion -- HR 6312 and S2957; opposition to HR 5546 and S3086 the Credit Card Fair Fee Act; support of HR 1424 Emergency Economic Stabilization Act of 2008

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S. 163, Small Business Disaster Response and Loan Improvements Act of 2007 (all provisions) S. 413, Community Choice in Real Estate Act (all provisions) S. 869, the Compete Act of 2007 (all provisions) S. 927, Catastrophe Savings Accounts Act of 2007 (all provisions) S. 1176, the Credit Card Minimum Payment Warning Act (all provisions) S. 1299, Borrowers Protection Act of 2007 (all provisions) S. 1309, the Universal Default Prohibition Act of 2007 To amend the Truth in Lending Act to prohibit universal defaults on credit card accounts S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007 (all provisions) S. 2036, the Protecting Access to Safe Mortgages Act (all provisions) S. 2169, the Promoting Refinancing Opportunities for Mortgages Impacted by the Subprime Emergency Act of 2007 (all provisions) S. 2452, the Home Ownership Preservation and Protection Act of 2007 (all provisions) S. 2636, the Foreclosure Prevention Act of 2008 (all provisions, including mortgage-bankruptcy, credit counseling, adjustments to mortgage bonds, and net operating loss carry-back provisions) S. 2753, the Credit Card Reform Act of 2008 (all provisions) S. 2957, the Credit Union Regulatory Improvements Act of 2007 (all provisions) S. 3086, the Credit Card Fair Fee Act of 2008 (all provisions) S. 3252, the Credit CARD Act of 2008 (all provisions) S. 3287, the Protecting Consumers from Unreasonable Credit Rates Act of 2008 (all provisions) H.Res. 526, expressing the sense of the House that Government action should be taken that protects buyers from unscrupulous mortgage brokers and lenders H.R. 41, the Business Checking Fairness Act of 2007 (all provisions) H.R. 111, the Community Choice in Real Estate Act (all provisions) H.R. 873, the Credit Card Payment Fee Act of 2007 To amend the Truth in Lending Act to prohibit fees by creditors for payments on credit card accounts by electronic fund transfers H.R. 946, the Consumer Overdraft Protection Fair Practices Act To extend the protections of the Truth in Lending Act to overdraft protection programs and services provided by depository institutions. H.R. 1066, the Depository Institution Community Development Investments Enhancement Act (all provisions) H.R. 1314, the Photo Identification Security Act (all provisions) H.R. 1361, the Relief for Entrepreneurs: Coordination of Objectives and Values for Effective Recovery Act of 2007 (RECOVER Act) (all provisions) H.R. 1461, the Consumer Credit Protection Act (all provisions) H.R. 1508, the Compete Act of 2007 (all provisions) H.R. 1510, the Credit Card Repayment Act of 2007 (all provisions) H.R. 1515, the Housing and Community Development Act of 1974 to treat certain communities as metropolitan cities for purposes of the community development block grant program (all provisions) H.R. 1787, the Catastrophe Savings Accounts Act of 2007 (all provisions) H.R. 1849, the Credit Union Small Business Lending Act (all provisions) H.R. 2146, the Universal Default Prohibition Act of 2007 To amend the Truth in Lending Act to prohibit universal defaults on credit card accounts H.R. 2911, the Electronic Funds Transfer Equal Consumer Protection Act (all provisions) H.R. 3012, the Fair Mortgage Practices Act of 2007 (all provisions) H.R. 3221, the American Housing Rescue and Foreclosure Prevention Act of 2008 (all provisions) H.R. 3526, to include all banking agencies within the existing regulatory authority under the Federal Trade Commission Act with respect to depository institutions (all provisions) H.R. 3837, the Escrow, Appraisal, and Mortgage Servicing Improvements Act (all provisions H.R. 3838, to temporarily increase the portfolio caps applicable to Freddie Mac and Fannie Mae, to provide the necessary financing to curb foreclosures by facilitating the refinancing of at-risk subprime borrowers into safe, affordable loans (all provisions) H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007 (all provisions) H.R. 4049, the Money Service Business Act of 2007 (all provisions) H.R. 5244, the Credit Cardholders Bill of Rights Act of 2008 (all provisions) H.R. 5546, the Credit Card Fair Fee Act of 2008 (all provisions) H.R. 5633, the Nondiscriminatory Use of Consumer Reports and Consumer Information Act of 2008 (all provisions to modify the Fair Credit Reporting Act) Proposals to address anticipated mortgage foreclosures. Proposals to address predatory lending practices in the subprime mortgage market Proposal to freeze interest rates on certain subprime mortgage loans Frank-Schumer GSE cap increase bill Proposed Fair Credit for Families legislation to create a Financial Product Safety Commission, establish a 30 percent cap on annual credit card interest rates, require clearer disclosures on credit card terms and fees, and provide more funds to promote financial literacy. Dodd-Frank proposed foreclosure prevention legislation that would provide federal funds to state housing authorities for buying foreclosed properties and Federal Housing Administration guarantees for refinancing distressed mortgages. Frank proposal to create a financial services risk regulator. Anti-Money-Laundering programs/proposals. General proposals to restructure the financial services regulatory structure. Deposit insurance policies. Programs to bring people into the financial mainstream. Bank examination practices and policies. Proposal regarding garnishment of federal benefits payments. Examined Treasury plans to protect financial markets; Fannie and Freddie preferred stock. H.R. 6871, the Expedited Funds Availability Dollar Limits Adjustment Act of 2008

S. 869, the Compete Act of 2007 (all provisions) S. 1356, the Industrial Bank Holding Company Act of 2007 (all provisions) S. 2957, the Credit Union Regulatory Improvements Act (all provisions) H.Con. Res. 140, the Financial Services Diversity Initiative (all provisions) S. 3254, To amend the Internal Revenue Code of 1986 to allow banks to be taxed as limited liability companies, and for other purposes (all provisions) HR. 323, the Seasoned Customer CTR Exemption Act of 2007 (all provisions) H.R. 698, the Industrial Bank Holding Company Act of 2007 (all provisions) H.R. 755, the Promoting Transparency in Financial Reporting Act of 2007 (all provisions) H.R. 1171, the Money Market Fund Parity Act of 2007 (all provisions) H.R. 1257, the Shareholder Vote on Executive Compensation Act (all provisions) H.R. 1424, the Emergency Economic Stabilization Act of 2008 (all provisions, including Treasury asset-purchase proposal, business tax provisions, FDIC coverage, SEC rules, accounting provisions, revenue offsets, GSE preferred stock tax accounting rules, proposed bankruptcy provisions) H.R.1508, the Compete Act of 2007 (all provisions) H.R. 1537, the Credit Union Regulatory Improvements Act (all provisions) H.R. 1869, the Communities First Act (all provisions) H.R. 1967, the Financial Privacy Notice Relief Act of 2007 (all provisions) H.R. 2547, the FDIC Enforcement Enhancement Act (all provisions) H.R. 2727, the Small Business SOX Compliance Extension Act (all provisions) H.R. 3013, the Affordable Financial Services Enhancement Act (all provisions) H.R. 3997, the Emergency Economic Stabilization Act of 2008 (all provisions, including Treasury asset-purchase proposal, SEC rules, accounting provisions, GSE preferred stock tax accounting rules, proposed bankruptcy provisions) H.R. 4043, the Preserving and Expanding Minority Depository Institutions Act (all provisions) H.R. 5519, the Credit Union Regulatory Relief Act of 2008 (all provisions) H.R. 6312, the Credit Union, Bank, and Thrift Regulatory Relief Act of 2008 (all provisions) H.R. 6659, the Equal Treatment of Covered Bonds Act of 2008 (all provisions) Proposals regarding 500-shareholder threshold for SEC registration under Sarbanes-Oxley Acts Section 404 Banking Committee draft legislation on industrial loan company (ILC) regulation Regulation Z proposal intended to curb subprime mortgage abuses

Credit Union Regulatory Improvement Act (HR. 1537); Credit Unions Small Business Lending Act (HR. 1849); Flood Insurance Reform and Modernization Act of 2007 (HR. 3121); National Affordable Housing Trust Fund Act of 2007 (HR. 2895); Terrorism Risk Insurance Revision and Extension Act of 2007 (HR. 2761);Industrial Bank Holding Company Act of 2007 (HR. 698); Expanding Homeownership Act of 2007 (HR. 1852);Federal Housing Finance Reform Act of 2007 (HR. 1427); The Housing Assistance Authorization Act of 2007 (HR. 1923); The Private Student Loan Transparency Act of 2007; The Small Business and Work Opportunity Act of 2007 (S. 349); The Small Business Lending and Reauthorization and Improvement Act of 2007 (S. 1256); The Entrepreneurial Development Act of 2007 (S. 1671); Small Business Venture Capital Act of 2007 (S. 1662); The Small Business Tax Relief Act of 2007 (HR. 976); Social Security Number Privacy and Identity Theft Protection Act of 2007 (HR. 3046); FY 2008 Financial Services Appropriations Bill (HR. 2829); Financial Consumer Hotline Act of 2007 (HR. 4332); Mortgage Reform and Anti-Predatory Lending Act of 2007 (HR. 3915); Escrow, Appraisal and Mortgage Servicing Improvements Act fo 2007 (HR. 3837); Homeowners Defense Act of 2007 (HR. 3355); HOPE VI Improvement and Re-Authorization Act of 2007 (HR. 3524); National Affordable Housing Trust Fund Act of 2007(HR. 2895); Consumer Overdraft Protection Act of 2007 (HR. 946); Identity Theft Protection Act of 2007 (HR. 3316);Credit Card Interchange Fees;The Credit Unions Regulatory Relief Act (HR. 5519); The Foreclosure Prevention and Sound Mortgage Servicing Act of 2008 (HR. 5679); The Emergency Loan Modification Act of 2008 (HR. 5579); The Jubilee Act for Responsible Lending and Expanded Debt Cancellation Act of 07 (HR. 2634);The Credit Cardholders Bill of Rights Act of 2008 (HR. 5244); The Internet Tax Freedom Act Amendments of 2007 (HR. 3678); The College Student Relief Act of 2007 (S. 282); The Helping Families Save Their Homes in Bankruptcy Act of 2007 (S. 2136); The Economic Stimulus and Recovery Act of 2008; Department of Defense Reauthorization;Appropriations; Regulatory Relief for financial institutions; Financial literacy; Financial modernization; The Foreclosure Prevention Act of 2008 (HR. 3221); The Credit Union, Bank, Thrift Regulatory Relief Act of 2008 (H.R. 6312); The Credit Union Regulatory Relief Act of 2008 (S. 2957); The Credit Card Interchange Fee Act of 2008 (HR. 6248); The Credit Card Fair Fee Act of 2008 (HR. 5546); The Internet Gambling Regulation and Tax Enforcement Act of 2008 (HR. 5523); The FHA Housing Stabilization and Homeowner Retention Act of 2008 (HR. 5830); The Payment System Protection Act of 2008 (HR. 5767); The Payment Systems Protection Act of 2008, (HR. 6870); Emergency Economic Stabilization Act of 2008; Central Liquidity Fund Cap (CLF); Real Estate Settlement Practices Act of 1974 (RESPA).

Credit Union Regulatory Improvement Act (HR. 1537); Credit Unions Small Business Lending Act (HR. 1849); Flood Insurance Reform and Modernization Act of 2007 (HR. 3121); National Affordable Housing Trust Fund Act of 2007 (HR. 2895); Terrorism Risk Insurance Revision and Extension Act of 2007 (HR. 2761);Industrial Bank Holding Company Act of 2007 (HR. 698); Expanding Homeownership Act of 2007 (HR. 1852);Federal Housing Finance Reform Act of 2007 (HR. 1427); The Housing Assistance Authorization Act of 2007 (HR. 1923); The Private Student Loan Transparency Act of 2007; The Small Business and Work Opportunity Act of 2007 (S. 349); The Small Business Lending and Reauthorization and Improvement Act of 2007 (S. 1256); The Entrepreneurial Development Act of 2007 (S. 1671); Small Business Venture Capital Act of 2007 (S. 1662); The Small Business Tax Relief Act of 2007 (HR. 976); Social Security Number Privacy and Identity Theft Protection Act of 2007 (HR. 3046); FY 2008 Financial Services Appropriations Bill (HR. 2829); Financial Consumer Hotline Act of 2007 (HR. 4332); Mortgage Reform and Anti-Predatory Lending Act of 2007 (HR. 3915); Escrow, Appraisal and Mortgage Servicing Improvements Act fo 2007 (HR. 3837); Homeowners Defense Act of 2007 (HR. 3355); HOPE VI Improvement and Re-Authorization Act of 2007 (HR. 3524); National Affordable Housing Trust Fund Act of 2007(HR. 2895); Consumer Overdraft Protection Act of 2007 (HR. 946); Identity Theft Protection Act of 2007 (HR. 3316);Credit Card Interchange Fees(HR. 5546; The Credit Unions Regulatory Relief Act (HR. 5519); The Foreclosure Prevention and Sound Mortgage Servicing Act of 2008 (HR. 5679); The Emergency Loan Modification Act of 2008 (HR. 5579); The Jubilee Act for Responsible Lending and Expanded Debt Cancellation Act of 07 (HR. 2634);The Credit Cardholders Bill of Rights Act of 2008 (HR. 5244); The Internet Tax Freedom Act Amendments of 2007 (HR. 3678); The College Student Relief Act of 2007 (S. 282); The Helping Families Save Their Homes in Bankruptcy Act of 2007 (S. 2136); The Economic Stimulus and Recovery Act of 2008; Department of Defense Reauthorization; CDFI Appropriations; CLF Appropriations; Regulatory Relief for financial institutions; Financial literacy; Financial modernization; The Foreclosure Prevention Act of 2008 (HR. 3221); The Credit Union, Bank, Thrift Regulatory Relief Act of 2008 (H.R. 6312); The Credit Union Regulatory Relief Act of 2008 (S. 2957); The Credit Card Interchange Fee Act of 2008 (HR. 6248); The Credit Card Fair Fee Act of 2008 (HR. 5546); The Internet Gambling Regulation and Tax Enforcement Act of 2008 (HR. 5523); The FHA Housing Stabilization and Homeowner Retention Act of 2008 (HR. 5830); The Payment System Protection Act of 2008 (HR. 5767);The Payment Systems Protection Act of 2008, (HR. 6870); Emergency Economic Stabilization Act of 2008;Central Liquidity Fund Cap (CLF); Real Estate Settlement Practices Act of 1974 (RESPA).

Please see addendum H.R. 1537, Credit Union Regulatory Improvements Act, all provisions H.R. 890, Student Loan Sunshine Act, all provisions H.R. 41, The Business Checking Fairness Act of 2007, all provisions H.R. 1869 and S. 1405, Communities First Act, all provisions H.R. 958, Data Accountability and Trust Act, all provisions S. 1178, Identity Theft Protection Act, all provisions S. 1260, Data Security Act, all provisions H.R. 111 and S. 4131, The Community Choice in Real Estate Act, all provisions H.R. 946, Consumer Overdraft Protection Practices Act, all provisions H.R. 3915, Mortgage Reform and Anti-Predatory Lending Act of 2007, all provisions H.R. 1427, Federal Housing Finance Reform Act, all provisions S. 1100, Federal Housing Enterprise Regulatory Reform Act, all provisions H.R. 1852, Expanding American Homeownership Act, all provisions S. 2338, Federal Housing Administration Modernization Act, all provisions Financial Services Regulatory Relief Issues H.R. 1289, Community Reinvestment Modernization Act, all provisions H.R. 323, Seasoned Customer CTR Exemption Act, all provisions H.R. 2046, Internet Gambling Regulation and Enforcement Act of 2007, all provisions H.R. 5244, Credit Cardholders' Bill of Rights Act of 2008, all provisions H.R. 5519, Credit Union Regulatory Relief Act, all provisions H.R. 5546, Credit Card Fair Fee Act of 2008, all provisions H.R. 5767, Payment Systems Protection Act, all provisions Nomination of Steven Preston to be Secretary of Housing and Urban Development H.R. 5841, Bank and Thrift Regulatory Relief Act, Title I, Title II (Sections 202,204) Title III, Title IV (section 405) H.R. 5140, Economic Stimulus Act of 2008, Title II H.R. 946, Consumer Overdraft Protection Act, all provisions H.R. 3221, Housing Rescue and Foreclosure Prevention Act, all provisions H.R. 5830, FHA Housing Stabilization and Homeownership Retention Act, all provisions H.R. 6312, Credit Union, Bank and Thrift Regulatory Relief Act, Title I, Title II (sections 202, 204), Title III, Title IV (section 405) S. 2957, Credit Union Regulatory Improvements Act, all provisions S. 3086, Credit Card Fair Fee Act, all provisions Nomination of Michael Fryzel to be a member of the NCUA Board H.R. 6870, The Payment System Protection Act, all provisions H.R. 3997, Emergency Economic Stablization Act, House Amendment to the Senate Amendment to the House Amendment to the Senate Amendment, Title I, Sections 101-135, related to the Troubled Asset Recovery Program. H.R. 1424, Emergency Economic Stabilization Act, Senate Amendment 5685, Title I, Sections 101-135, related to the Troubled Asset Recovery Program and Section 136, related to the National Credit Union Share Insurance Fund. S. 2284, Flood Insurance Reform and Modernization Act of 2007, all provisions

Credit Union Regulatory Improvement Act (HR. 1537); Credit Unions Small Business Lending Act (HR. 1849); Flood Insurance Reform and Modernization Act of 2007 (HR. 3121); National Affordable Housing Trust Fund Act of 2007 (HR. 2895); Terrorism Risk Insurance Revision and Extension Act of 2007 (HR. 2761);Industrial Bank Holding Company Act of 2007 (HR. 698); Expanding Homeownership Act of 2007 (HR. 1852);Federal Housing Finance Reform Act of 2007 (HR. 1427); Gulf Coast Hurricane Housing Recovery Act of 2007 (HR. 1227); The Housing Assistance Authorization Act of 2007 (HR. 1923); The Private Student Loan Transparency Act of 2007; The Small Business and Work Opportunity Act of 2007 (S. 349); The Small Business Lending and Reauthorization and Improvement Act of 2007 (S. 1256); The Entrepreneurial Development Act of 2007 (S. 1671); Small Business Venture Capital Act of 2007 (S. 1662); The Small Business Tax Relief Act of 2007 (HR. 976); Social Security Number Privacy and Identity Theft Protection Act of 2007 (HR. 3046); FY 2008 Financial Services Appropriations Bill (HR. 2829); Financial Consumer Hotline Act of 2007 (HR. 4332); Mortgage Reform and Anti-Predatory Lending Act of 2007 (HR. 3915); Escrow, Appraisal and Mortgage Servicing Improvements Act fo 2007 (HR. 3837); Homeowners Defense Act of 2007 (HR. 3355); HOPE VI Improvement and Re-Authorization Act of 2007 (HR. 3524); National Affordable Housing Trust Fund Act of 2007(HR. 2895); Consumer Overdraft Protection Act of 2007 (HR. 946); Identity Theft Protection Act of 2007 (HR. 3316);Credit Card Interchange Fees;The Credit Unions Regulatory Relief Act (HR. 5519); The Foreclosure Prevention and Sound Mortgage Servicing Act of 2008 (HR. 5679); The Emergency Loan Modification Act of 2008 (HR. 5579); The Jubilee Act for Responsible Lending and Expanded Debt Cancellation Act of 07 (HR. 2634);The Credit Cardholders Bill of Rights Act of 2008 (HR. 5244); The Internet Tax Freedom Act Amendments of 2007 (HR. 3678); The College Student Relief Act of 2007 (S. 282); The Helping Families Save Their Homes in Bankruptcy Act of 2007 (S. 2136); The Economic Stimulus and Recovery Act of 2008; Department of Defense Reauthorization; Appropriations; Regulatory Relief for financial institutions; Financial literacy; Financial modernization, The Foreclosure Prevention Act of 2008 (HR. 3221); The Credit Union, Bank, Thrift Regulatory Relief Act of 2008 (H.R. 6312); The Credit Union Regulatory Relief Act of 2008 (S. 2957); The Credit Card Interchange Fee Act of 2008 (HR. 6248); The Credit Card Fair Fee Act of 2008 (HR. 5546); The Internet Gambling Regulation and Tax Enforcement Act of 2008 (HR. 5523); The FHA Housing Stabilization and Homeowner Retention Act of 2008 (HR. 5830); The Payment System Protection Act of 2008 (HR. 5767).

Credit Union Regulatory Improvement Act (HR. 1537); Credit Unions Small Business Lending Act (HR. 1849); Flood Insurance Reform and Modernization Act of 2007 (HR. 3121); National Affordable Housing Trust Fund Act of 2007 (HR. 2895); Terrorism Risk Insurance Revision and Extension Act of 2007 (HR. 2761);Industrial Bank Holding Company Act of 2007 (HR. 698); Expanding Homeownership Act of 2007 (HR. 1852);Federal Housing Finance Reform Act of 2007 (HR. 1427); Gulf Coast Hurricane Housing Recovery Act of 2007 (HR. 1227); The Housing Assistance Authorization Act of 2007 (HR. 1923); The Private Student Loan Transparency Act of 2007; The Small Business and Work Opportunity Act of 2007 (S. 349); The Small Business Lending and Reauthorization and Improvement Act of 2007 (S. 1256); The Entrepreneurial Development Act of 2007 (S. 1671); Small Business Venture Capital Act of 2007 (S. 1662); The Small Business Tax Relief Act of 2007 (HR. 976); Social Security Number Privacy and Identity Theft Protection Act of 2007 (HR. 3046); FY 2008 Financial Services Appropriations Bill (HR. 2829); Financial Consumer Hotline Act of 2007 (HR. 4332); Mortgage Reform and Anti-Predatory Lending Act of 2007 (HR. 3915); Escrow, Appraisal and Mortgage Servicing Improvements Act fo 2007 (HR. 3837); Homeowners Defense Act of 2007 (HR. 3355); HOPE VI Improvement and Re-Authorization Act of 2007 (HR. 3524); National Affordable Housing Trust Fund Act of 2007(HR. 2895); Consumer Overdraft Protection Act of 2007 (HR. 946); Identity Theft Protection Act of 2007 (HR. 3316);Credit Card Interchange Fees(HR. 5546; The Credit Unions Regulatory Relief Act (HR. 5519); The Foreclosure Prevention and Sound Mortgage Servicing Act of 2008 (HR. 5679); The Emergency Loan Modification Act of 2008 (HR. 5579); The Jubilee Act for Responsible Lending and Expanded Debt Cancellation Act of 07 (HR. 2634);The Credit Cardholders Bill of Rights Act of 2008 (HR. 5244); The Internet Tax Freedom Act Amendments of 2007 (HR. 3678); The College Student Relief Act of 2007 (S. 282); The Helping Families Save Their Homes in Bankruptcy Act of 2007 (S. 2136); The Economic Stimulus and Recovery Act of 2008; Department of Defense Reauthorization;Appropriations; Regulatory Relief for financial institutions; Financial literacy; Financial modernization, The Foreclosure Prevention Act of 2008 (HR. 3221); The Credit Union, Bank, Thrift Regulatory Relief Act of 2008 (H.R. 6312); The Credit Union Regulatory Improvements Act of 2008 (S. 2957); The Credit Card Interchange Fee Act of 2008 (HR. 6248); The Credit Card Fair Fee Act of 2008 (HR. 5546, S. 3056); The Internet Gambling Regulation and Tax Enforcement Act of 2008 (HR. 5523); The FHA Housing Stabilization and Homeowner Retention Act of 2008 (HR. 5830); The Payment System Protection Act of 2008 (HR. 5767).

S.2136, Helping Families Save Their Homes in Bankruptcy Act of 2007 (Sen. Durbin) - To address the treatment of primary mortgages in bankruptcy, and for other purposes. H. R. 1537/S. 2957 - Credit Union Regulatory Improvements Act - To advance credit union efforts to promote economic growth, modify credit union regulatory standards and reduce burdens, and for other purposes. Community Reinvestment Act, opposing efforts to include credit unions under CRA. H.R. 5519 Credit Union Regulatory Relief Act of 2008 To advance credit union efforts to promote economic growth, modify credit union regulatory standards and reduce burdens, to provide regulatory relief and improve productivity for insured depository institutions, and for other purposes. Permits a credit union to invest in securities for its own account, subject to certain percentage limitations; and increases the investment and lending limit to credit union service organizations from 1% to 3% of a credit unions total paid and unimpaired capital and surplus. H.R. 6312 Credit Union, Bank and Thrift, Regulatory Relief Act of 2008 (Bill combines H.R. 5519 with H.R. 5841) To advance credit union efforts to promote economic growth, modify credit union regulatory standards and reduce burdens, to provide regulatory relief and improve productivity for insured depository institutions, and for other purposes. Permits a credit union to invest in securities for its own account, subject to certain percentage limitations; and increases the investment and lending limit to credit union service organizations from 1% to 3% of a credit unions total paid and unimpaired capital and surplus. H. Res. 1145 - Recognizing the 100 year anniversary of the establishment of St. Mary's Cooperative Credit Association, the `Bank of the People', and the birth of the American credit union. Nomination of Michael Fryzel for the Board of the National Credit Union Administration didnt support or oppose nomination, just tracked the process and timing

Credit Union Regulatory Improvement Act (HR. 1537); Credit Unions Small Business Lending Act (HR. 1849); Flood Insurance Reform and Modernization Act of 2007 (HR. 3121); National Affordable Housing Trust Fund Act of 2007 (HR. 2895); Terrorism Risk Insurance Revision and Extension Act of 2007 (HR. 2761);Industrial Bank Holding Company Act of 2007 (HR. 698); Expanding Homeownership Act of 2007 (HR. 1852);Federal Housing Finance Reform Act of 2007 (HR. 1427); Gulf Coast Hurricane Housing Recovery Act of 2007 (HR. 1227); The Housing Assistance Authorization Act of 2007 (HR. 1923); The Private Student Loan Transparency Act of 2007; The Small Business and Work Opportunity Act of 2007 (S. 349); The Small Business Lending and Reauthorization and Improvement Act of 2007 (S. 1256); The Entrepreneurial Development Act of 2007 (S. 1671); Small Business Venture Capital Act of 2007 (S. 1662); The Small Business Tax Relief Act of 2007 (HR. 976); Social Security Number Privacy and Identity Theft Protection Act of 2007 (HR. 3046); FY 2008 Financial Services Appropriations Bill (HR. 2829); Financial Consumer Hotline Act of 2007 (HR. 4332); Mortgage Reform and Anti-Predatory Lending Act of 2007 (HR. 3915); Escrow, Appraisal and Mortgage Servicing Improvements Act fo 2007 (HR. 3837); Homeowners Defense Act of 2007 (HR. 3355); HOPE VI Improvement and Re-Authorization Act of 2007 (HR. 3524); National Affordable Housing Trust Fund Act of 2007(HR. 2895); Consumer Overdraft Protection Act of 2007 (HR. 946); Identity Theft Protection Act of 2007 (HR. 3316);Credit Card Interchange Fees;The Credit Unions Regulatory Relief Act (HR. 5519); The Foreclosure Prevention and Sound Mortgage Servicing Act of 2008 (HR. 5679); The Emergency Loan Modification Act of 2008 (HR. 5579); The Jubilee Act for Responsible Lending and Expanded Debt Cancellation Act of 07 (HR. 2634);The Credit Cardholders Bill of Rights Act of 2008 (HR. 5244); The Internet Tax Freedom Act Amendments of 2007 (HR. 3678); The College Student Relief Act of 2007 (S. 282); The Helping Families Save Their Homes in Bankruptcy Act of 2007 (S. 2136); The Economic Stimulus and Recovery Act of 2008; Department of Defense Reauthorization; Appropriations; Regulatory Relief for financial institutions; Financial literacy; Financial modernization, The Foreclosure Prevention Act of 2008 (HR. 3221); The Credit Union, Bank, Thrift Regulatory Relief Act of 2008 (H.R. 6312); The Credit Union Regulatory Relief Act of 2008 (S. 2957); The Credit Card Interchange Fee Act of 2008 (HR. 6248); The Credit Card Fair Fee Act of 2008 (HR. 5546); The Internet Gambling Regulation and Tax Enforcement Act of 2008 (HR. 5523); The FHA Housing Stabilization and Homeowner Retention Act of 2008 (HR. 5830); The Payment System Protection Act of 2008 (HR. 5767).

Credit Union Regulatory Improvement Act (HR. 1537); Credit Unions Small Business Lending Act (HR. 1849); Flood Insurance Reform and Modernization Act of 2007 (HR. 3121); National Affordable Housing Trust Fund Act of 2007 (HR. 2895); Terrorism Risk Insurance Revision and Extension Act of 2007 (HR. 2761);Industrial Bank Holding Company Act of 2007 (HR. 698); Expanding Homeownership Act of 2007 (HR. 1852);Federal Housing Finance Reform Act of 2007 (HR. 1427); Gulf Coast Hurricane Housing Recovery Act of 2007 (HR. 1227); The Housing Assistance Authorization Act of 2007 (HR. 1923); The Private Student Loan Transparency Act of 2007; The Small Business and Work Opportunity Act of 2007 (S. 349); The Small Business Lending and Reauthorization and Improvement Act of 2007 (S. 1256); The Entrepreneurial Development Act of 2007 (S. 1671); Small Business Venture Capital Act of 2007 (S. 1662); The Small Business Tax Relief Act of 2007 (HR. 976); Social Security Number Privacy and Identity Theft Protection Act of 2007 (HR. 3046); FY 2008 Financial Services Appropriations Bill (HR. 2829); Financial Consumer Hotline Act of 2007 (HR. 4332); Mortgage Reform and Anti-Predatory Lending Act of 2007 (HR. 3915); Escrow, Appraisal and Mortgage Servicing Improvements Act fo 2007 (HR. 3837); Homeowners Defense Act of 2007 (HR. 3355); HOPE VI Improvement and Re-Authorization Act of 2007 (HR. 3524); National Affordable Housing Trust Fund Act of 2007(HR. 2895); Consumer Overdraft Protection Act of 2007 (HR. 946); Identity Theft Protection Act of 2007 (HR. 3316);Credit Card Interchange Fees(HR. 5546; The Credit Unions Regulatory Relief Act (HR. 5519); The Foreclosure Prevention and Sound Mortgage Servicing Act of 2008 (HR. 5679); The Emergency Loan Modification Act of 2008 (HR. 5579); The Jubilee Act for Responsible Lending and Expanded Debt Cancellation Act of 07 (HR. 2634);The Credit Cardholders Bill of Rights Act of 2008 (HR. 5244); The Internet Tax Freedom Act Amendments of 2007 (HR. 3678); The College Student Relief Act of 2007 (S. 282); The Helping Families Save Their Homes in Bankruptcy Act of 2007 (S. 2136); The Economic Stimulus and Recovery Act of 2008; Department of Defense Reauthorization;Appropriations; Regulatory Relief for financial institutions; Financial literacy; Financial modernization, The Foreclosure Prevention Act of 2008 (HR. 3221); The Credit Union, Bank, Thrift Regulatory Relief Act of 2008 (H.R. 6312); The Credit Union Regulatory Relief Act of 2008 (S. 2957); The Credit Card Interchange Fee Act of 2008 (HR. 6248); The Credit Card Fair Fee Act of 2008 (HR. 5546); The Internet Gambling Regulation and Tax Enforcement Act of 2008 (HR. 5523); The FHA Housing Stabilization and Homeowner Retention Act of 2008 (HR. 5830); The Payment System Protection Act of 2008 (HR. 5767).

Please see addendum H.R. 1537, Credit Union Regulatory Improvements Act, all provisions H.R. 890, Student Loan Sunshine Act, all provisions H.R. 41, The Business Checking Fairness Act of 2007, all provisions H.R. 1869 and S. 1405, Communities First Act, all provisions H.R. 958, Data Accountability and Trust Act, all provisions S. 1178, Identity Theft Protection Act, all provisions S. 1260, Data Security Act, all provisions H.R. 111 and S. 4131, The Community Choice in Real Estate Act, all provisions H.R. 946, Consumer Overdraft Protection Practices Act, all provisions H.R. 3915, Mortgage Reform and Anti-Predatory Lending Act of 2007, all provisions H.R. 1427, Federal Housing Finance Reform Act, all provisions S. 1100, Federal Housing Enterprise Regulatory Reform Act, all provisions H.R. 1852, Expanding American Homeownership Act, all provisions S. 2338, Federal Housing Administration Modernization Act, all provisions Financial Services Regulatory Relief Issues H.R. 1289, Community Reinvestment Modernization Act, all provisions H.R. 323, Seasoned Customer CTR Exemption Act, all provisions H.R. 2046, Internet Gambling Regulation and Enforcement Act of 2007, all provisions H.R. 5244, Credit Cardholders' Bill of Rights Act of 2008, all provisions H.R. 5519, Credit Union Regulatory Relief Act, all provisions H.R. 5546, Credit Card Fair Fee Act of 2008, all provisions H.R. 5767, Payment Systems Protection Act, all provisions Nomination of Steven Preston to be Secretary of Housing and Urban Development H.R. 5841, Bank and Thrift Regulatory Relief Act, Title I, Title II (Sections 202,204) Title III, Title IV (section 405) H.R. 5140, Economic Stimulus Act of 2008, Title II H.R. 946, Consumer Overdraft Protection Act, all provisions H.R. 3221, Housing Rescue and Foreclosure Prevention Act, all provisions H.R. 5830, FHA Housing Stabilization and Homeownership Retention Act, all provisions H.R. 6312, Credit Union, Bank and Thrift Regulatory Relief Act, Title I, Title II (sections 202, 204), Title III, Title IV (section 405) S. 2957, Credit Union Regulatory Improvements Act, all provisions S. 3086, Credit Card Fair Fee Act, all provisions Nomination of Michael Fryzel to be a member of the NCUA Board

ILC reform legislation including Industrial Bank Holding Company Act (H.R. 698 and S. 1356). Farm credit provisions in Farm Bill conference agreement for H.R. 2419 and Food and Energy Security Act, S. 2302. Community banking relief provisions in credit union regulatory reform legislation including H.R. 6312 and S. 2957 and community banking issues in the GSE Reform legislation, H.R. 3221 and S. 2636, the Foreclosure Prevention Act.

Client expense: Not reported · Firm income: $90,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 1537, Credit Union Regulatory Improvements Act, all provisions; H.R. 41, Business Checking Fairness Act of 2007, all provisions; H.R. 946, Consumer Overdraft Protection Practices Act; H.R. 3915, Mortgage Reform and Anti-Predatory Lending Act of 2007, all provisions; H.R. 1427, Federal Housing Finance Reform Act, all provisions; S. 1100, Federal Housing Enterprise Regulatory Reform Act, all provisions; H.R. 1852, Expanding Homeownership Act, all provisions; S. 2338, FHA Modernization Act; H.R. 1289, Community Reinvestment Modernization Act, all provisions; H.R. 323, Seasoned Customer CTR Exemption Act, all provisions; H.R. 2046, Internet Gambling Regulation and Enforcement Act of 2007, all provisions; H.R. 5244, Credit Cardholders' Bill of Rights Act of 2008, all provisions; H.R. 5519, Credit Union Regulatory Relief Act, all provisions; H.R. 5546, Credit Card Fair Fee Act of 2008, all provisions; H.R. 5140, Economic Stimulus Act of 2008, Title II; H.R. 3221, Housing Rescue and Foreclosure Prevention Act, all provisions; H.R. 6312 CUBTRRA, Title I, Title II (sections 202, 204), Title III, Title IV (section 405); S. 2957 CURIA, all provisions; S. 3086, Credit Card Fair Fee Act, all provisions.

Client expense: $110,000 · Firm income: Not reported

H.R.1537: Credit Union Regulatory Improvements Act of 2007 H.R.5519: Credit Union Regulatory Relief Act S.2957: Credit Union Regulatory Improvements Act of 2008 h.R.6312: Credit Union, Bank and Thrift Regulatory Relief Act of 2008 Credit union field of membership Issues related to the Department of Treasury's blueprint for a modernized financial regulatory structure

Client expense: Not reported · Firm income: $30,000

Advocating in support of Industrial Loan Company regulatory reform including passage of the Industrial Bank Holding Company Act of 2007 -- HR 698 and S1356; opposition to credit union regulatory relief and credit union powers expansion legislation -- HR 6312 and S2957

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE