Credit Card Fair Fee Act of 2008

S. 1395, Stop Unfair Practices in Credit Cards Act; H.R. 2607, Internet Gambling; Data Security, including HR 1685/S.1260, S.495 and S.239; H.R. 946, Consumer Overdraft Protection Fair Practices Act; H.R. 5546, Credit Card Fair Fee Act; H.R. 5244, Credit Cardholders Bill of Rights; S. 3086, Credit Card Fair Fee Act; H.R. 6248, Credit Card Interchange Fees Act of 2008; H.R. 6620, Gas Pump Fair Payment Act of 2008; Card practices legislation in general.

Client expense: Not reported · Firm income: $70,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S. 1395, Stop Unfair Practices in Credit Cards Act; H.R. 2607, Internet Gambling; Data Security, including HR 1685/S.1260, S.495 and S.239; H.R. 946, Consumer Overdraft Protection Fair Practices Act; H.R. 5546, Credit Card Fair Fee Act; H.R. 5244, Credit Cardholders Bill of Rights; S. 3086, Credit Card Fair Fee Act; H.R. 6248, Credit Card Interchange Fees Act of 2008; H.R. 6620, Gas Pump Fair Payment Act of 2008; Card practices legislation in general.

Client expense: Not reported · Firm income: $70,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S. 1395, Stop Unfair Practices in Credit Cards Act; H.R. 2607, Internet Gambling; Data Security, including HR 1685/S.1260, S.495 and S.239; H.R. 946, Consumer Overdraft Protection Fair Practices Act; H.R. 5546, Credit Card Fair Fee Act; H.R. 5244, Credit Cardholders Bill of Rights; S. 3086, Credit Card Fair Fee Act; H.R. 6248, Credit Card Interchange Fees Act of 2008; H.R. 6620, Gas Pump Fair Payment Act of 2008; Card practices legislation in general.

Client expense: Not reported · Firm income: $70,000

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

Client expense: $2,340,000 · Firm income: Not reported

Government targets: Defense, Dept of (DOD), Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Justice, Dept of (DOJ), Labor, Dept of (DOL), Office of Management & Budget (OMB), SENATE, Social Security Administration (SSA), Treasury, Dept of, White House Office

H.R. 1424 (H.R. 3997) Emergency Economic Stabilization Act; HR 3221 Housing Package; HR 5720 Housing Assistance Tax Act; HR 5818, HR 3221 Neighborhood Stabilization; HR 5546 (S 3086) Interchange Fees; HR 5244 (S2753) Credit Cards; HR 5519 Regulatory Relief (Credit Unions)

Client expense: $33,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 1424 (H.R. 3997) Emergency Economic Stabilization Act; S 3086 (HR 5546) Interchange Fees; S 2753 (HR 5244) Credit Card Reform Act

Client expense: $33,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Interchange fees: H.R. 5546 & S. 3086, legislation to amend the antitrust laws to ensure competitive market-based rates and terms for merchants' access to electronic payment systems H.R. 3970, Tax Reduction and Reform Act of 2007 corporate tax issues H.R. 6491 Organized Retail Crime Act to combat, deter, and punish individuals and enterprises engaged in organized crime involving theft and fencing of retail merchandise S. 3434 to combat organized crime involving retail theft for the purpose of re-selling stolen merchandise H.R. 6713 E-Fencing Enforcement At of 2008 to provide for more effective enforcement of the Federal prohibition on the interstate shipment of stolen property

Client expense: $1,370,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Commerce, Dept of (DOC), Consumer Product Safety Commission (CPSC), Council on Environmental Quality (CEQ), Energy, Dept of, Federal Energy Regulatory Commission (FERC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Labor, Dept of (DOL), SENATE, State, Dept of (DOS), Treasury, Dept of, U.S. Customs & Border Protection, U.S. Trade Representative (USTR), White House Office

H.R. 2419 Food and Energy Security Act of 2007, provisions related to renewable energy tax offset incentives; H.R. 3221 Foreclosure Prevention Act of 2008, provisions related to renewable production tax incentives; H.R. 6049 Energy and Tax Extenders Act of 2008, provisions related to carbon capture; H.R. 6258 Carbon Capture and Storage Early Deployment Act, provisions related to carbon capture; S. 3086 Credit Card Fair Fee Act of 2008, renewable tax provisions; H.R. 7060 Renewable Energy and Job Creation Tax Act of 2008 - passed; H.R. 6899 Comprehensive American Energy Security and Consumer Protection Act, provisions related to climate change; 2009 stimulus package and related energy legislation and proposals, including tax, loan guarantee and other provisions realted to carbon sequestration and electric generation; Climate change/greenhouse gas/ cap-and-trade legislation, including S. 3036 Boxer substitute, S. 2191 Warner-Lieberman, S. 1766, S. 280, S. 309, S. 317, S. 485, HR. 620, HR. 1590, HR. 6186 and related legislation, provisions related to alternative fuels, renewable energy production and energy efficiency;

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

Government targets: Energy, Dept of, Environmental Protection Agency (EPA), HOUSE OF REPRESENTATIVES, SENATE

Issues regarding credit card interchange fees. HR 5546 / S 3086, "Credit Card Fair Fee Act of 2008," all provisions.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

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

Interchange Fee Legislation--HR 5546 and S. 3086

Client expense: Not reported · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Legislation: MMDA Sweep Account and legislation to repeal the prohibition on the payment of interest on deposits (H.R.41); Real estate brokerage and management (H.R.111, S.413); CTR reports for seasoned customers (H.R.323); College Student Relief Act of 2007 (H.R.5); Tax provisions of minimum wage bill (H.R.6,H.Res.261,H.Res.332,H.R.1591,H.R.2206,S.965); credit card fees and services legislation; Small Business Tax Relief Act (H.R.976); Credit Union Regulatory Improvement Act (H.R.1537,H.R.5519);.... Terrorism Risk Insurance Act extension (H.R.2761, H.R.4299, S.2285); CFIUS Reform (H.R.556); Community Development Investments (H.R.1066); Privacy (H.R.498, H.R.958, S.495, S.806, S.1178, S.1260); Executive Compensation (H.R.1257); PATRIOT Act (H.R.1314); SBA Disaster Loans (S.163, H.R.1361); GSE regulation (H.R.1427, S.1100); ILC holding company legislation (H.R.698, S.1356); Flood Insurance Reform (H.R.1682, H.R.3121, S.1890, H.R.3959); Catastrophe Savings Accounts (H.R.1787, S.927); Borrowers Protection Act (S.1299); Student Loan Legislation (S.486, S.511, S.1642, S.1762, H.R.890, H.R. 2669); SBA Reform (S.1256, H.R.1332); Treasury Department Appropriations (H.R.2829); Interstate Taxation (S.1726, H.R.5267); Sarbanes-Oxley Reform Legislation (H.R.1508); Regulatory Burden Relief (H.R.1869, H.R.6312, H.R.5841); FHA Reform (H.R.1852); The Farm Bill (H.R.2419, H.R.4193), FHA Reform bills (H.R.1852, S.2338); Mortgage Debt Tax Forgiveness (H.R.3648); AMT Reform (H.R.3996); "Do Not Call" List amendments (H.R.2601, H.R.3541); Bankruptcy Reform (H.R.3609, S.2136); Sub.Prime Loan Regulation (H.R.3915, S.2452); Unfair and Deceptive Acts or Practices Authority (H.R.3526); Identity Theft Legislation (S.2168); Appraisal and Escrow Legislation (H.R.3837); Rural Housing Bill (H.R.3873); Section 8 programs (H.R.3965); Dollar coin bill (H.R.3703); Tax Legislation (H.R.3970, H.R.3056, H.R.6275, H.R.6049, H.R.2886, H.R.5719, H.R.5720); SBA Lending (H.R.3866); Housing bills (H.R.2895); Overdraft Protection Bill (H.R.946); FHA Loan Size (H.R.1852); Lobbying Reform (S.1); Economic Stimulus (H.R.5140, S.2636, H.R.3221); Credit Card Practices (H.R.5244); Bankruptcy (S. 2636, H.R.3609, H.R.4044, S.2136); Foreclosure Legislation (H.R.3221, H.R.5830, H.R.5818, H.R.5579); Interchange Fee Controls (H.R.5546, S.3086); Student Loan Legislation (H.R. 5715, S. 2815); Internet Gambling Legislation (H.R.5767); Retirement Account Fee Disclosure (H.R.3185); Arbitration Clause Restrictions (H.R.3010; H.R.5312); Money Services Business Regulation (H.R.4049); Emergency Economic Stabilization Act (H.R.1424). Regulation: Community Reinvestment Act regulations; FDIC ILC Applications; OTS gift card guidance; Subprime Mortgage Lending; SEC and PCAOB Sarbanes-Oxley regulations and guidance; Regulatory Burden Relief Regulations; Payday Lending Regulations; Deposit Insurance Regulations; SBA Regulations; Federal Reserve Board's Regulation Z (Truth-in-Lending); Fed-SEC Regulation R; Garnishment of Exempt Funds regulation; FACT Act Regulations; FDIC Audit and reporting regulations; Capital Requirements (Basel II); IRS Trust Tax Regulations; Internet gambling regulations; Small bank examination rules; FTC Privacy Rules; OTS Unfair & Deceptive Rules; FinCen Rules on Foreign Banking Relationships; SEC Risk-based auditing standard; Money Laundering Regulations, FBI Subpoenas Addendum, Financial Institution Regulatory Restructuring, SEC Credit Rating Agency Reforms; Unfair and Deceptive Acts or Practices Regulations; Risk-Based Pricing Notices; Home Valuation Code of Conduct Appraisal Rules; Guidance on HELOC reductions; Best Practices for Residential Covered Bonds; FRB Reg. S (privacy); HUD RESPA Regulations; Money Market Fund Guaranties; Fannie Mae/Freddie Mac Conservatorship; SEC Short-Selling Rules; FASB Fair Value Accounting Regs; Auction-Rate Securities Rules; Timing of FASB/SEC Rules; FDIC Deposit Insurance Coverage Regulations. #17. (continued from previous page) Public Company Accounting Oversight Board Office of Federal Housing Enterprise Oversight

Client expense: $230,000 · Firm income: Not reported

Government targets: Defense, Dept of (DOD), Federal Bureau of Investigation (FBI), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), Financial Crimes Enforcement Network (FinCEN), HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

H.R. 5546/S. 3086, the Credit Card Fair Fee Act of 2008.

Client expense: $380,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 5546/S. 3086, the Credit Card Fair Fee Act of 2008.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 5546/S. 3086, the Credit Card Fair Fee Act of 2008.

Client expense: $730,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S. 1395, Stop Unfair Practices in Credit Cards Act, provisions relating to credit card practices H.R. 873, Credit Card Payment Fee Act of 2007, provisions relating to certain fees H.R. 1461, Credit Card Act, provisions relating to credit card practices H.R. 5244, Credit Cardholders' Bill of Rights Act of 2007, provisions relating to credit card practices HR. 2146, Universal Default Prohibition Act of 2007, provisions relating to risk based pricing S. 1309, Universal Default Prohibition Act of 2007, provisions relating to risk based pricing S. 1176, Credit Card Minimum Payment Warning Act of 2007, minimum payment disclosure requirements HR 1510, Credit Card Repayment Act of 2007, provisions relating to minimum payment disclosure requirements S. 1925, Student Credit Card Protection Act of 2007, underwriting standards for student cards H.R. 3347, Student Credit Card Protection Act of 2007, underwriting standards for student cards H.R. 3421, Credit Protection Act of 2007, disclosure provisions S. 2411, the Credit Card Safety Star Act of 2007, provisions to create a credit card rating system S. 1356, Industrial Bank Holding Company Act of 2007, provisions relating to the regulation and supervision of ILCs H.R. 698, Industrial Bank Holding Company Act of 2007, provisions relating to the regulation and supervision of ILCs H.R. 5546, Credit Card Fair Fee Act of 2008, issues relating to credit card interchange rates Proposed revisions to Regulation Z regarding open-end credit plan disclosures Proposed revisions to Regulation AA regarding unfair and deceptive acts and practices Proposed Senate Legislation regarding credit card practices Issues relating to the proposed "Industrial Bank Holding Company Act" S. 3086, Credit Card Fair Fee Act of 2008, issues relating to credit card interchange fees H.R. 6248, Credit Card Interchange Fee Act of 2008, issues relating to credit card interchange fees Proposed Credit Card Accountability Responsibility and Disclosure Act of 2008, issues relating to credit card terms and conditions Proposed amendments to Regulation AA regarding certain unfair and deceptive acts and practices, issues relating to credit card terms and conditions H.R. 5988, the Fair and Justifiable Credit Card Interchange Fee Act of 2008, provisions relating to credit card interchange fees S2978/H.R. 4008, the Credit and Debit Card Receipt Clarification Act of 2008, provisions relating to printing of information on credit card receipts

Client expense: $1,070,000 · Firm income: Not reported

Government targets: Executive Office of the President (EOP), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Social Security Administration (SSA), Treasury, Dept of, U.S. Postal Service (USPS)

Credit Card - H.R. 5244, 5546, 6248; S. 3086; Private Equity

Client expense: $353,531 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Credit Card - H.R. 5244, 5546, 6248; S. 3086

Client expense: $353,531 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 800; S. 1041- Employee Free Choice Act of 2007 Robinson-Patman Act Credit Card Fair Fee Act- H.R. 5546, S. 3086

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

Government targets: Agriculture, Dept of (USDA), HOUSE OF REPRESENTATIVES, SENATE

Credit Card - H.R. 5244, 5546, 6248; S. 3086

Client expense: $353,531 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Credit Card - H.R. 5244, 5546, 6248; S. 3086; Private Equity

Client expense: $353,531 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to deposit/checking/savings accounts, mortgage loans, home equity lines of credit, student loans (public and private), bankruptcy reform, arbitration provisions in consumer contracts, and other issues which includes the following legislation: S. 1299 Borrowers Protection Act of 2007; H.R. 3012 Fair Mortgage Practices Act of 2007; H.R. 3081 Fairness for Homeowners Act of 2007; H.R. 3296 Mortgage Broker Transparency and Accountability Act of 2007; H.R. 3609 Emergency Home Ownership and Mortgage Equity Protection Act of 2007; S. 2136 Helping Families Save Their Homes in Bankruptcy Act of 2007; S. 2133 Homeowners Mortgage and Equity Savings Act of 2007; H.R. 946 Consumer Overdraft Protection Fair Practices Act; H.R. 3221 American Housing Rescue and Foreclosure Prevention Act of 2008; H.R. 3915 Mortgage Reform and Anti-Predatory Lending Act of 2007; S. 2452 Home Ownership Preservation and Protection Act of 2007; S. 2636 Foreclosure Prevention Act of 2008; H.R. 4044 National Guard and Reservists Debt Relief Act of 2008; H.R. 3010 Arbitration Fairness Act; H.R. 5312 Automobile Arbitration Fairness Act of 2008; H.R. 6126 Fairness in Nursing Home Arbitration Act of 2008; S. 2838 Fairness in Nursing Home Arbitration Act; H.R. 890 Student Loan Sunshine Act of 2007; S. 486 Student Loan Sunshine Act; H.R. 4137 College Opportunity and Affordability Act of 2007; S. 1642 Higher Education Amendments of 2007; H.R. 2669 College Cost Reduction and Access Act; H.R. 5715 Ensuring Continued Access to Student Loans Act of 2008; S. 2815 Strengthening Student Aid for All Act; and H.R. 5767 (no title bill to prohibit regulatory agencies from issuing rules on UIGEA); H.R. 1424 - Emergency Economic Stabilization Act. Issues related to credit card use including interchange which includes the following legislation: S. 1395 Stop Unfair Practices in Credit Cards Act of 2007; S. 1925 Student Credit Card Protection Act of 2007; S. 3252 Credit Card Accountability, Responsibility and Disclosure (Credit CARD) Act; H.R. 3347 Student Credit Card Protection Act of 2007; H.R. 5244 Credit Cardholders Bill of Rights Act of 2008; H.R. 5546 Credit Card Fair Fee Act of 2008; H.R. 6248 Credit Card Interchange Fees Act of 2008; and S. 3086 Credit Card Fair Fee Act of 2008 Issues related to consumer information, privacy, data security, restrictions on the use of data and privacy including the following legislation: H.R. 948 Social Security Number Protection At of 2007; S. 238 Social Security Number Misuse Prevention Act; S. 495 Personal Data Privacy and Security Act of 2007; S. 1178 Identity Theft Prevention Act; S. 2915 Safeguarding Social Security Numbers Act of 2008; H.R. 958 Data Accountability and Trust Act; H.R. 1685 Data Security Act of 2007; H.R. 1525 Internet Spyware (I-SPY) Prevention Act of 2007; H.R. 1685 Data Security Act of 2007; H.R. 3046 Social Security Number Privacy and Identify Theft Prevention Act of 2007; H.R. 3316 Identity Theft Protection Act of 2007; H.R. 5324 Social Security Number Misuse Prevention Act; and S. 2661 Anti-Phishing Consumer Protection Act of 2008.

Client expense: $510,000 · Firm income: Not reported

Government targets: Defense, Dept of (DOD), Education, Dept of, Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

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.

Client expense: Not reported · Firm income: $40,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S. 1395, Stop Unfair Practices in Credit Cards Act; H.R. 2607, Internet Gambling; Data Security, including HR 1685/S.1260, S.495 and S.239; H.R. 946, Consumer Overdraft Protection Fair Practices Act; H.R. 5546, Credit Card Fair Fee Act; H.R. 5244, Credit Cardholders Bill of Rights; S. 3086, Credit Card Fair Fee Act; H.R. 6248, Credit Card Interchange Fees Act of 2008; H.R. 6620, Gas Pump Fair Payment Act of 2008; Card practices legislation in general. Gift card legislation in general.

Client expense: Not reported · Firm income: $70,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S. 1395, Stop Unfair Practices in Credit Cards Act; H.R. 2607, Internet Gambling; Data Security, including HR 1685/S.1260, S.495 and S.239; H.R. 946, Consumer Overdraft Protection Fair Practices Act; H.R. 5546, Credit Card Fair Fee Act; H.R. 5244, Credit Cardholders Bill of Rights; S. 3086, Credit Card Fair Fee Act; H.R. 6248, Credit Card Interchange Fees Act of 2008; H.R. 6620, Gas Pump Fair Payment Act of 2008; Card practices legislation in general. Gift card legislation in general.

Client expense: Not reported · Firm income: $70,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Interchange and electronic payments networks. H.R.5546/ S.3086, Credit Card Fair Fee Act of 2008.

Client expense: Not reported · Firm income: $75,000

Government targets: Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, SENATE

Interchange and electronic payments networks. H.R.5546/ S.3086, Credit Card Fair Fee Act of 2008.

Client expense: Not reported · Firm income: $75,000

Government targets: Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, SENATE

Interchange and electronic payments networks. H.R.5546/ S.3086, Credit Card Fair Fee Act of 2008.

Client expense: Not reported · Firm income: $75,000

Government targets: Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, SENATE

Interchange and electronic payments networks. H.R.5546/ S.3086, Credit Card Fair Fee Act of 2008.

Client expense: Not reported · Firm income: $75,000

Government targets: Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, SENATE

H.R. 5546, The Credit Card Fair Fee Act; H.R. 5244, Credit Cardholders Bill of Rights; S. 3086, Credit Card Fair Fee Act.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 5546, The Credit Card Fair Fee Act; H.R. 5244, Credit Cardholders Bill of Rights; S. 3086, Credit Card Fair Fee Act.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 5546/S. 3086, the Credit Card Fair Fee Act of 2008.

Client expense: $320,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 5244, Credit Card Holders' Bill of Rights Act of 2008. H.R. 5546 and S. 3086, Credit Card Fair Fee Act of 2008.

Client expense: Not reported · Firm income: $10,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues relating to banking and financial services reform legislation including: H.R. 5546; Credit Card Fair Fee Act of 2008 H.R. 6248; Credit Card Interchange Fees Act of 2008 S. 3086; Credit Card Fair Fee Act of 2008

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Genetic Information Nondiscrimination Act (H.R. 493; S. 358), all provisions; S. 910, Healthy Families Act, all provisions; H.R. 1542, Healthy Families Act, all provisions; H.R. 2831, Lilly Ledbetter Fair Pay Act, all provisions; S. 1843, Fair Pay Restoration Act, all provisions; H.R. 800, Employee Free Choice Act, all provisions/change of bargaining unit establishment procedures; S. 1041, Employee Free Choice Act, all provisions/ all provisions/change of bargaining unit establishment procedures; H.R. 1369, Family & Medical Leave Expansion Act, all provisions; S. 1681, Family Leave Insurance Act, all provisions; Notice of Proposed Rulemaking - FMLA RIN 1215-AB35, Comments in response to proposal to revise certain regulations implementing the Family & Medical Leave Act of 1993; H.R. 3010/S. 1782, Arbitration Fairness Act of 2007 , all provisions; H.R. 1644/S. 969, Re-Empowerment of Skilled and Professional Employees and Construction Tradesworkers (RESPECT) Act, all provisions; H.R. 5546, Credit Card Fair Fee Act, all provisions; S. 3086, Credit Card Fair Fee Act, all provisions; H.R. 3010, Arbitration Fairness Act of 2007, all provisions.

Client expense: $500,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Consumer Product Safety Commission (CPSC), Employment Standards Administration, Environmental Protection Agency (EPA), Federal Bureau of Investigation (FBI), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Internal Revenue Service (IRS), Intl Trade Administration (ITA), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), Natl Economic Council (NEC), Natl Labor Relations Board (NLRB), Natl Security Council (NSC), Occupational Safety & Health Administration (OSHA), Office of Management & Budget (OMB), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, State, Dept of (DOS), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Customs & Border Protection, U.S. International Trade Commission (ITC), U.S. Secret Service, U.S. Trade Representative (USTR), White House Office

H.R. 5244, The Credit Cardholders Bill of Rights Act of 2008; H.R. 5546, Credit Card Fair Fee Act; S. 3086, Credit Card Fair Fee Act; Provisions relating to revenue offsets in H.R. 3221, The Housing and Economic Recovery Act of 2008.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 5546, S. 3086, Credit Card Fair Fee Act regarding interchange fees and antitrust exemptions for negotiated rates and the regulation thereof. Oversight hearings on the antitrust implications of interchange pricing.

Client expense: Not reported · Firm income: $15,000

Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

General issues involving interchange fees, including: H.R. 5546 (the Credit Card Fair Fee Act), S. 3086 (the Credit Card Fair Fee Act), H.R. 6248 (the Credit Card Interchange Fees Act of 2008), and H.R. 6620 (the Gas Pump Fair Payment Act), S. 3629 (the Consumer Credit Safety Commission Act) and H.R. 7258 (companion legislation to S. 3629); Issues relating to payment card issuer practices, including: provisions in S. 1395 (the Stop Unfair Practices in Credit Cards Act), H.R. 873 (the Credit Card Payment Fee Act), H.R. 2911 (the Electronic Funds Transfer Equal Consumer Protection Act), H.R. 2146 (the Universal Default Prohibition Act), H.R. 946 (the Consumer Overdraft Protection Fair Practices Act), H.R. 5244 (the Credit Cardholders Bill of Rights Act), S. 2753 (the Credit Card Reform Act), S. 2411 (the Credit Card Safety Star Act), and S. 3252 (the Credit Card Accountability Responsibility and Disclosure Act); Issues pertaining to data security, customer notification of security breaches, and mitigation of harm resulting from security breaches, including: provisions in S. 1178 (the Identity Theft Prevention Act), S. 239 (the Notification of Risk to Personal Data Act), S. 495 (the Personal Data Privacy and Security Act), H.R. 958 (the Data Accountability and Trust Act), and H.R. 3046 (the Social Security Number Privacy and Identity Theft Prevention Act); Issues related to the use of payment cards in connection with the purchase of prescription medications over the Internet, including: provisions in S. 980 (the Ryan Haight Online Pharmacy Consumer Protection Act), H.R. 6353 (companion legislation to S. 980), and S. 1082 (the Food and Drug Administration Revitalization Act); Issues relating to the use of payment systems in connection with transactions infringing on intellectual property rights, including: S. 3325 (the Prioritizing Resources and Organization for Intellectual Property Act) and H.R. 4279 (companion legislation to S. 3325); Issues related to retail theft, including: H.R. 6491 (the Organized Retail Crime Act), and S. 3434 (companion legislation to H.R. 6491).

Client expense: $510,000 · Firm income: Not reported

Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

H.R.2419 Food and Energy Security Act of 2007, provisions related to renewable energy tax offset incentives; H.R.3221 Foreclosure Prevention Act of 2008, provisions related to renewable production tax incentives; H.R.6049 Energy and Tax Extenders Act of 2008, provisions related to carbon capture; H.R.6258 Carbon Capture and Storage Early Deployment Act, provisions related to carbon capture; S.3086 Credit Card Fair Fee Act of 2008, renewable tax provisions; H.R.7060 Renewable Energy and Job Creation Tax Act of 2008 - passed; H.R.6899 Comprehensive American Energy Security and Consumer Protection Act, provisions related to climate change; 2009 stimulus package and related energy legislation and proposals, including tax, loan guarantee and other provisions related to carbon sequestration and electric generation; Climate change/ greenhouse gas/ cap-and-trade legislation, including S. 3036 Boxer substitute, S. 2191 Warner-Lieberman, S. 1766, S. 280, S. 309, S. 317, S. 485, HR. 620, HR. 1590, HR. 6186 and related legislation, provisions related to alternative fuels, renewable energy production and energy efficiency.

Client expense: Not reported · Firm income: $60,000

Government targets: Energy, Dept of, Environmental Protection Agency (EPA), HOUSE OF REPRESENTATIVES, SENATE

H.R. 493, to prohibit discrimination on the basis of genetic information with respect to health insurance and employment. H.R. 1443, to treat arbitration clauses which are unilaterally imposed on consumers as an unfair and deceptive trade practice . H.R. 1685, to protect information relating to consumers, to require notice of security breaches, and for other purposes. H.R. 2099, to authorize the secretary of HHS to order a mandatory recall of any product that is regulated by the FDA. H.R. 2124, to strengthen requirements related to security breaches of data involving the disclosure of sensitive personal information. HR 2718, DSHEA Full Implementation and Enforcement Act of 2007. H.R. 3100, to amend the Federal Food, Drug, and Cosmetic Act and the Consumer Product Safety Act to increase the safety of food, toothpaste, and toys. H.R. 3588, to amend the Consumer Product Safety Act to provide the Consumer Product Safety Commission with greater authority to require recalls, mandatory routine product testing, and for other purposes. H.R. 3580, the Food and Drug Administration Amendments Act of 2007. HR 4030, To prohibit the manufacture, sale, or distribution in commerce of certain children's products and child care articles that contain phthalates. H.R. 4040, Consumer Product Safety Modernization Act. H.R. 5636, to establish a comprehensive process to inform American consumers about food and product recalls, and for other purposes; to Energy & Commerce. H.R. 5769, to direct the Federal Trade Commission to revise the Telemarketing Sales Rule to explicitly prohibit the sending of a text message containing an unsolicited advertisement to a cellular telephone number listed on the national do-not-call registry; to Energy & Commerce. S. 358, to prohibit discrimination on the basis of genetic information with respect to health insurance and employment. S. 1082, the Food and Drug Administration Revitalization Act. S. 1178, to strengthen data protection and safeguards, require data breach notification, and further prevent identity theft. S. 1260, to protect information relating to consumers, to require notice of security breaches, and for other purposes. S. 2256, to establish an office of international and domestic product safety and a product safety coordinating council to improve the management, coordination, promotion, and oversight of product safety responsibilities, develop a centralized public database for product recalls, advisories, and alerts, and for other purposes. S. 2275, to prohibit the manufacture, sale, or distribution in commerce of certain children's products and child care articles that contain phthalates, and for other purposes. S. 2663, to reform the Consumer Product Safety Commission to provide greater protection for children's products, to improve the screening of noncompliant consumer products, to improve the effectiveness of consumer product recall programs, and for other purposes; read the first time. S. 2794, to protect older Americans from misleading and fraudulent marketing practices, with the goal of increasing retirement security; to Judiciary. S. 3086, to amend the antitrust laws to ensure competitive market-based fees and terms for merchants' access to electronic payment systems. S. 3425, to make effective the proposed rule of the Food and Drug Administration relating to sunscreen drug products, and for other purposes. S. 3475, to amend the Federal Food, Drug, and Cosmetic Act to require manufacturers of bottled water to submit annual reports, and for other purposes. S. 3633, to amend the Federal Food, Drug, and Cosmetic Act to require country of origin labeling on prescription and over-the-counter drugs. S. 2914, to ensure the safety of seafood and seafood products being imported into the United States. S. 3108, to require the president to call a White House conference on food and nutrition. S. 3385, to amend the Federal Food, Drug, and Cosmetic Act with respect to the safety of the food supply. S. 3422, to amend the Federal Food, Drug, and Cosmetic Act to provide for the establishment of a traceability system for food, and for other purposes. S. 3575, to amend the Federal Food, Drug, and Cosmetic Act with respect to nutrition labeling of food offered for sale in food service establishments. H.R. 5827, to amend the Federal Food, Drug, and Cosmetic Act to improve food safety. H.R. 5839, to amend the Federal Food, Drug, and Cosmetic Act to improve the safety of drugs. H.R. 5904, to amend the Federal Food, Drug, and Cosmetic Act to establish new procedures and requirements to improve the safety of food, whether produced and distributed domestically or imported into the United States, by providing for improved information technology to identify high-risk imports and for enhanced capacity in the United States and in foreign governments to identify and address food safety issues on a scientific basis, and for other purposes. H.R. 6127, to require the president to call a White House conference on food and nutrition. H.R. 6270, to amend the Federal Food, Drug, and Cosmetic Act to create a new conditional approval system for drugs, biological products, and devices that is responsive to the needs of seriously ill patients, and for other purposes. H.R. 7120, to amend the Federal Food, Drug, and Cosmetic Act concerning the distribution and citation of scientific research in connection with foods and dietary supplements, and for other purposes. H.R. 7143, to establish the Food Safety Administration within the Department of Health and Human Services to protect the public health by preventing food-borne illness, ensuring the safety of food, improving research on contaminants leading to food-borne illness, and improving security of food from intentional contamination, and for other purposes.

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

Government targets: Commerce, Dept of (DOC), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), SENATE, State, Dept of (DOS), Treasury, Dept of, U.S. Trade Representative (USTR)

H.R. 493, to prohibit discrimination on the basis of genetic information with respect to health insurance and employment. H.R. 1443, to treat arbitration clauses which are unilaterally imposed on consumers as an unfair and deceptive trade practice . H.R. 1685, to protect information relating to consumers, to require notice of security breaches, and for other purposes. H.R. 2099, to authorize the secretary of HHS to order a mandatory recall of any product that is regulated by the FDA. H.R. 2124, to strengthen requirements related to security breaches of data involving the disclosure of sensitive personal information. HR 2718, DSHEA Full Implementation and Enforcement Act of 2007. H.R. 3100, to amend the Federal Food, Drug, and Cosmetic Act and the Consumer Product Safety Act to increase the safety of food, toothpaste, and toys. H.R. 3588, to amend the Consumer Product Safety Act to provide the Consumer Product Safety Commission with greater authority to require recalls, mandatory routine product testing, and for other purposes. H.R. 3580, the Food and Drug Administration Amendments Act of 2007. HR 4030, To prohibit the manufacture, sale, or distribution in commerce of certain children's products and child care articles that contain phthalates. H.R. 4040, Consumer Product Safety Modernization Act. H.R. 5636, to establish a comprehensive process to inform American consumers about food and product recalls, and for other purposes; to Energy & Commerce. H.R. 5769, to direct the Federal Trade Commission to revise the Telemarketing Sales Rule to explicitly prohibit the sending of a text message containing an unsolicited advertisement to a cellular telephone number listed on the national do-not-call registry; to Energy & Commerce. S. 358, to prohibit discrimination on the basis of genetic information with respect to health insurance and employment. S. 1082, the Food and Drug Administration Revitalization Act. S. 1178, to strengthen data protection and safeguards, require data breach notification, and further prevent identity theft. S. 1260, to protect information relating to consumers, to require notice of security breaches, and for other purposes. S. 2256, to establish an office of international and domestic product safety and a product safety coordinating council to improve the management, coordination, promotion, and oversight of product safety responsibilities, develop a centralized public database for product recalls, advisories, and alerts, and for other purposes. S. 2275, to prohibit the manufacture, sale, or distribution in commerce of certain children's products and child care articles that contain phthalates, and for other purposes. S. 2663, to reform the Consumer Product Safety Commission to provide greater protection for children's products, to improve the screening of noncompliant consumer products, to improve the effectiveness of consumer product recall programs, and for other purposes; read the first time. S. 2794, to protect older Americans from misleading and fraudulent marketing practices, with the goal of increasing retirement security; to Judiciary. S. 3086, to amend the antitrust laws to ensure competitive market-based fees and terms for merchants' access to electronic payment systems. S. 3425, to make effective the proposed rule of the Food and Drug Administration relating to sunscreen drug products, and for other purposes. S. 3475, to amend the Federal Food, Drug, and Cosmetic Act to require manufacturers of bottled water to submit annual reports, and for other purposes. S. 3633, to amend the Federal Food, Drug, and Cosmetic Act to require country of origin labeling on prescription and over-the-counter drugs. S. 2914, to ensure the safety of seafood and seafood products being imported into the United States. S. 3108, to require the president to call a White House conference on food and nutrition. S. 3385, to amend the Federal Food, Drug, and Cosmetic Act with respect to the safety of the food supply. S. 3422, to amend the Federal Food, Drug, and Cosmetic Act to provide for the establishment of a traceability system for food, and for other purposes. S. 3575, to amend the Federal Food, Drug, and Cosmetic Act with respect to nutrition labeling of food offered for sale in food service establishments. H.R. 5827, to amend the Federal Food, Drug, and Cosmetic Act to improve food safety. H.R. 5839, to amend the Federal Food, Drug, and Cosmetic Act to improve the safety of drugs. H.R. 5904, to amend the Federal Food, Drug, and Cosmetic Act to establish new procedures and requirements to improve the safety of food, whether produced and distributed domestically or imported into the United States, by providing for improved information technology to identify high-risk imports and for enhanced capacity in the United States and in foreign governments to identify and address food safety issues on a scientific basis, and for other purposes. H.R. 6127, to require the president to call a White House conference on food and nutrition. H.R. 6270, to amend the Federal Food, Drug, and Cosmetic Act to create a new conditional approval system for drugs, biological products, and devices that is responsive to the needs of seriously ill patients, and for other purposes. H.R. 7120, to amend the Federal Food, Drug, and Cosmetic Act concerning the distribution and citation of scientific research in connection with foods and dietary supplements, and for other purposes. H.R. 7143, to establish the Food Safety Administration within the Department of Health and Human Services to protect the public health by preventing food-borne illness, ensuring the safety of food, improving research on contaminants leading to food-borne illness, and improving security of food from intentional contamination, and for other purposes.

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

Government targets: Commerce, Dept of (DOC), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), SENATE, State, Dept of (DOS), Treasury, Dept of, U.S. Trade Representative (USTR)

H.R. 3915 Mortgage Reform and Anti-predatory Lending Act of 2007; provisions relating to registration & licensing for federally-chartered thrifts, mortgage lending standards, and securitization H.R. 3997 Emergency Economic Stabilization Act of 2008; entire bill H.R. 5244 - Credit Cardholders' Bill of Rights Act of 2008; entire bill H.R. 5546 Credit Card Fair Fee Act of 2008; provisions relating to interchange fees H.R. 6312 - Credit Union, Bank, and Thrift Regulatory Relief Act of 2008; provisions relating to thrifts S. 1299 Borrowers Protection Act of 2007; entire bill S. 2452 - Home Ownership Preservation & Protection Act of 2007; provisions relating to lending activities of federally-chartered thrifts S. 2753 - Credit Card Reform Act of 2008; entire bill S. 3086 - Credit Card Fair Fee Act of 2008; provisions relating to interchange fees P.L. 110-289 Housing and Economic Recovery Act of 2008; provisions relating to licensing and registration requirements for federally-chartered thrifts, taxes, reverse mortgages

Client expense: $160,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues regarding credit card interchange fees. HR 5546 / S 3086, "Credit Card Fair Fee Act of 2008," all provisions.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HR 5546, Credit Card Fair Fee Act: entire bill. S.3086, Credit Card Fair Fee Act: entire bill.

Client expense: Not reported · Firm income: $40,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE