Resolution Reform Act of 2009

HR 4173 Wall Street Reform and Consumer Protection Act of 2009; Issue: all aspects impacting insurance regulation S. 3217 Restoring American Financial Stability Act of 2010; Issue: all aspects impacting insurance regulation HR 2554 National Association of Registered Agent and Brokers Reform Act; Issue:reducing costs and administrative difficulties associated with reciprocal licensing of multi-state insurance agents. We support this bill. HR 2609 Create a federal Office of Insurance Information; Issue: need for federal insurance expertise; scope of office HR 2571 and S 1363 Non-Admitted and Reinsurance Reform; Issue: need for reform for these insurance lines HR 2733/S 1389 - Fixed Indexed Annuities and Insurance Products Classification Act; Issue: clarify that certain annuity products are exempt from federal regulation Other Financial Services Regulatory Reform bills, including: HR 1880 - The National Insurance Consumer Protection Act; HR 3996 Financial Stability Improvement Act; S 2756 Financial Services Systemic Risk Oversight Council Act; HR 3310 Consumer Protection and Regulatory Enhancement Act; HR 2253/S 298 Financial Markets Commission Act, S 664 and HR 1754 The Financial System Stabilization and Reform Act of 2009; HR 4191 Let Wall Street Pay for the Restoration of Main Street, HR 885/S 1354 Improved Financial and Commodity Markets Oversight and Accountability Act, S 1540 Resolution Reform Act, S 2813 Investor Rights and Corporate Accountability Act, HR 3269 Corporate and Financial Institution Compensation Fairness Act, HR 4142/S 2746 Too Big to Fail, Too Big to Exist Act, HR 4516 Financial Services Industry Stability Act of 2010; and HR 2111 Congressional Commission on Financial Accoutability and Preparedness Act; Issues on all above regulatory reform bills: all aspects of financial services regulatory reform affecting the insurance industry, including scope of Federal Insurance Office, consumer protection, systemic risk regulation, resolution authority, and funding mechanisms. S 3546 Cheaper Car Insurance Act of 2010; Issue: federal efforts to crack down on insurance fraud S 3685 Insurance Competition and Transparency Act of 2010; Issue: Oppose greater FTC involvement in insurance regulation

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 200 (Helping Families Save Their Homes in Bankruptcy Act); H.R. 225 (Emergency Homeownership and Equity Protection Act); H.R. 230 (Housing Opportunity and Mortgage Equity Act of 2009) (foreclosure avoidance and loan modifications); H.R. 384 (TARP Reform and Accountability Act); H.R. 703 (Legislation to promote bank liquidity and lending through deposit insurance, the HOPE for Homeowners Program, and other enhancements); H.R. 786 (To make permanent the temporary increase in deposit insurance coverage, and for other purposes); H.R. 787 (to make improvements in the Hope for Homeowners Program) (foreclosure avoidance and loan modifications); H.R. 788 (To provide a safe harbor for mortgage servicers who engage in specified mortgage loan modifications, and for other purposes); H.R. 1020 (Arbitration Fairness Act of 2009); H.R. 1106 (Helping Families Save Their Homes Act) (foreclosure avoidance and loan modifications); H.R. 1728 (To amend the Truth in Lending Act to reform consumer mortgage practices and provide accountability for such practices, to provide certain minimum standards for consumer mortgage loans, and for other purposes) (mortgage reform); H.R. 1731 (Credit Risk Retention Act); H.R. 1758 (Mortgage Reform and Anti-predatory Lending Act of 2009); H.R. 3269 (Corporate and Financial Institution Compensation Fairness Act of 2009); H.R. 3451 (To require mortgagees for mortgages in default to engage in reasonable loss mitigation activities); H.R. 3606 (Consumer Financial Protection Agency Act); H.R. 3817 (Investor Protection Act)(Arbitration, Broker-Dealer Standard of Care, SRO Rulemaking); H.R. 3996 (The Financial Stability Improvement Act of 2009); H.R. 4173 (Restoring American Financial Stability Act of 2010); S. 61 (Helping Families Save Their Homes in Bankruptcy Act); S. 376 (Real Estate Mortgage Investment Conduit Improvement Act of 2009); S. 896 (Helping Families Save Their Homes Act); S. 931 (Arbitration Fairness Act of 2009); S. 1073 (Rating Accountability and Transparency Enhancement Act of 2009); S. 1540 (To provide for enhanced authority of the FDIC to act as receiver for certain affiliates of depository institutions); S. 1731 (To require certain mortgages to make loan modifications and establish grant programs for state and local government mediation programs); S. 2886 (Bank Integrity Retention Act); S. 3217 (Investor Protection Act)(Arbitration, Broker-Dealer Standard of Care, SRO Rulemaking); Dodd/Frank Wall Street Reform Act (Fiduciary Duty, Arbitration Clauses, Custody of Client Assets); Housing Affordability and Stability Plan; Student loans (special allowance payment rates); Credit Rating Agency Reform.

H.R. 83. Homeowners Insurance Protection Act (entire bill) H.R. 308/ S. 1364. Hurricane and Tornado Mitigation Investment Act (entire bills) H.R. 1583. To further competition in the insurance industry (Repeals McCarran-Furguson Act) (entire bills) H.R 327/ S. 1485. National Hurricane Research Initiative Act (entire bill) H.R. 988/ S. 1486. Policyholder Disaster Protection Act (entire bill) H.R. 1239. Property Mitigation Assistance Act (entire bill) H.R. 1264. Multi Peril Insurance Act (entire bill) S. 505. Homeowners Defense Act (entire bill) H.R. 1880. National Insurance Consumer Protection Act (entire bill) H.R. 1754/ S.664. Financial System Stabilization and Reform Act of 2009 (entire bill) S. 886. Catastrophe Obligation Guarantee Act (entire bill) H.R. 2555. Homeowners Defense Act of 2009 (entire bill) H.R. 2554. National Association of Registered Agents and Brokers Reform Act (entire bill) H.R. 2571/ S. 1363. Nonadmitted and Reinsurance Reform Act H.R. 2609. Insurance Information Act (entire bill) H.R. 3596/ S. 1681. Health Insurance Industry Antitrust Enforcement Act (entire bill) S.1484. Catastrophe Savings Account Act (entire bill) S. 1487. Commission on Catastrophic Disaster Risk and Insurance Act (entire bill) H.R. 3139. National Flood Insurance Program Extension Act (entire bill) H.R. 3126/ H.R. 3639. Consumer Financial Protection Agency Act S. 1540. Resolution Reform Act of 2009 H.R. 3590. Patient Protection and Affordable Care Act (proposed amendment #2795, Health Insurance Antitrust Enforcement Act) H.R. 3326. FY 2010 DOD Appropriations (Sec. 1005, Continuing Resolution of National Flood Insurance Program). H.R. 3962. Affordable Health Care for America Act (Sec 260-FTC Authority, Sec. 262, Antitrust Application to Health Sector Industries). H.R. 4173. Wall Street Reform and Consumer Protection Act of 2009. (entire bill) H.R. 3817. Investor Protections Act of 2009. (entire bill) H.R. 3818. Private Fund Investment Advisors Registration Act of 2009. (entire bill) H.R. 3996. Financial Stability Improvement Act. (entire bill) S. 3217. Restoring America's Financial Stability Act (entire bill) H.R. 4778. National Flood Insurance Program Extension Act (entire bill) H.R. 4802. Risk Retention Modernization Act (entire bill) H.R. 4626. Health Insurance Industry Fair Competition Act (entire bill) S. 3203. To extend the NFIP through May 31, 2010 (entire bill) H.R. 5114. Flood Insurance Reform Priorities Act (entire bill) H.R. 5255. Stable Flood Insurance Authorization Act (entire bill) S. 3347. To extend the NFIP though December 31, 2010 (entire bill)

HR 4173 Wall Street Reform and Consumer Protection Act of 2009; Issue: all aspects impacting insurance regulation S. 3217 Restoring American Financial Stability Act of 2010; Issue: all aspects impacting insurance regulation HR 2554 National Association of Registered Agent and Brokers Reform Act; Issue:reducing costs and administrative difficulties associated with reciprocal licensing of multi-state insurance agents. We support this bill. HR 2609 Create a federal Office of Insurance Information; Issue: need for federal insurance expertise; scope of office HR 2571 and S 1363 Non-Admitted and Reinsurance Reform; Issue: need for reform for these insurance lines HR 2733/S 1389 - Fixed Indexed Annuities and Insurance Products Classification Act; Issue: clarify that certain annuity products are exempt from federal regulation HR 3817 Investor Protection Act - all aspects pertaining to the sale of financial products and the licensing of agents Other Financial Services Regulatory Reform bills, including: HR 1880 - The National Insurance Consumer Protection Act; HR 3396 Financial Stability Improvement Act; S 2756 Financial Services Systemic Risk Oversight Council Act; HR 3310 Consumer Protection and Regulatory Enhancement Act; HR 2253/S 298 Financial Markets Commission Act, S 664 and HR 1754 The Financial System Stabilization and Reform Act of 2009; HR 4191 Let Wall Street Pay for the Restoration of Main Street, HR 885/S 1354 Improved Financial and Commodity Markets Oversight and Accountability Act, S 1540 Resolution Reform Act, S 2813 Investor Rights and Corporate Accountability Act, HR 3269 Corporate and Financial Institution Compensation Fairness Act, HR 4142/S 2746 Too Big to Fail, Too Big to Exist Act, and HR 2111 Congressional Commission on Financial Accoutability and Preparedness Act; Issues on all above bills: all aspects of financial services regulatory reform affecting the insurance industry, including scope of Federal Insurance Office, consumer protection, systemic risk regulation, resolution authority, and funding mechanisms.

H.R. 200 (Helping Families Save Their Homes in Bankruptcy Act); H.R. 225 (Emergency Homeownership and Equity Protection Act); H.R. 230 (Housing Opportunity and Mortgage Equity Act of 2009) (foreclosure avoidance and loan modifications); H.R. 384 (TARP Reform and Accountability Act); H.R. 703 (Legislation to promote bank liquidity and lending through deposit insurance, the HOPE for Homeowners Program, and other enhancements); H.R. 786 (To make permanent the temporary increase in deposit insurance coverage, and for other purposes); H.R. 787 (to make improvements in the Hope for Homeowners Program) (foreclosure avoidance and loan modifications); H.R. 788 (To provide a safe harbor for mortgage servicers who engage in specified mortgage loan modifications, and for other purposes); H.R. 1020 (Arbitration Fairness Act of 2009); H.R. 1106 (Helping Families Save Their Homes Act) (foreclosure avoidance and loan modifications); H.R. 1728 (To amend the Truth in Lending Act to reform consumer mortgage practices and provide accountability for such practices, to provide certain minimum standards for consumer mortgage loans, and for other purposes) (mortgage reform); H.R. 1731 (Credit Risk Retention Act); H.R. 1758 (Mortgage Reform and Anti-predatory Lending Act of 2009); H.R. 3269 (Corporate and Financial Institution Compensation Fairness Act of 2009); H.R. 3451 (To require mortgagees for mortgages in default to engage in reasonable loss mitigation activities); H.R. 3606 (Consumer Financial Protection Agency Act); H.R. 3817 (Investor Protection Act, Arbitration, Broker-Dealer Standard of Care, SRO Rulemaking); H.R. 3996 (The Financial Stability Improvement Act of 2009); S. 61 (Helping Families Save Their Homes in Bankruptcy Act); S. 376 (Real Estate Mortgage Investment Conduit Improvement Act of 2009); S. 896 (Helping Families Save Their Homes Act); S. 931 (Arbitration Fairness Act of 2009); S. 1073 (Rating Accountability and Transparency Enhancement Act of 2009); S. 1540 (To provide for enhanced authority of the FDIC to act as receiver for certain affiliates of depository institutions); S. 1731 (To require certain mortgages to make loan modifications and establish grant programs for state and local government mediation programs); S. 2886 (Bank Integrity Retention Act); Housing Affordability and Stability Plan; Student loans (special allowance payment rates); Credit Rating Agency Reform; Restoring American Financial Stability Act of 2010: Title X (H.R. 4173 Consumer Financial Protection Bureau); Title IX (Pre-Dispute Arbitration), (Bank Holding Company Act Amendments).

Obama Administration Consumer Financial Protection Agency Act of 2009 proposed legislation. H.R. 3126, The Consumer Financial Protection Agency Act of 2009. Legislation pertaining to resolution authority, specifically S. 1540, The Resolution Reform Act of 2009. S. 3217, Restoring American Financial Stability Act.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Obama Administration Consumer Financial Protection Agency Act of 2009 proposed legislation. H.R. 3126, The Consumer Financial Protection Agency Act of 2009. Legislation pertaining to resolution authority, specifically S. 1540, The Resolution Reform Act of 2009. S. 3217, Restoring American Financial Stability Act.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 83. Homeowners Insurance Protection Act (entire bill) H.R. 308/ S. 1364. Hurricane and Tornado Mitigation Investment Act (entire bills) H.R. 1583. To further competition in the insurance industry (Repeals McCarran-Furguson Act) (entire bills) H.R 327/ S. 1485. National Hurricane Research Initiative Act (entire bill) H.R. 988/ S. 1486. Policyholder Disaster Protection Act (entire bill) H.R. 1239. Property Mitigation Assistance Act (entire bill) H.R. 1264. Multi Peril Insurance Act (entire bill) S. 505. Homeowners Defense Act (entire bill) H.R. 1880. National Insurance Consumer Protection Act (entire bill) H.R. 1754/ S.664. Financial System Stabilization and Reform Act of 2009 (entire bill) S. 886. Catastrophe Obligation Guarantee Act (entire bill) H.R. 2555. Homeowners Defense Act of 2009 (entire bill) H.R. 2554. National Association of Registered Agents and Brokers Reform Act (entire bill) H.R. 2571/ S. 1363. Nonadmitted and Reinsurance Reform Act H.R. 2609. Insurance Information Act (entire bill) H.R. 3596/ S. 1681. Health Insurance Industry Antitrust Enforcement Act (entire bill) S.1484. Catastrophe Savings Account Act (entire bill) S. 1487. Commission on Catastrophic Disaster Risk and Insurance Act (entire bill) H.R. 3139. National Flood Insurance Program Extension Act (entire bill) H.R. 3126/ H.R. 3639. Consumer Financial Protection Agency Act S. 1540. Resolution Reform Act of 2009 H.R. 3590. Patient Protection and Affordable Care Act (proposed amendment #2795, Health Insurance Antitrust Enforcement Act) H.R. 3326. FY 2010 DOD Appropriations (Sec. 1005, Continuing Resolution of National Flood Insurance Program). H.R. 3962. Affordable Health Care for America Act (Sec 260-FTC Authority, Sec. 262, Antitrust Application to Health Sector Industries). H.R. 4173. Wall Street Reform and Consumer Protection Act of 2009. (entire bill) H.R. 3817. Investor Protections Act of 2009. (entire bill) H.R. 3818. Private Fund Investment Advisors Registration Act of 2009. (entire bill) H.R. 3996. Financial Stability Improvement Act. (entire bill) S. 3217. Restoring America's Financial Stability Act (entire bill) H.R. 4778. National Flood Insurance Program Extension Act (entire bill) H.R. 4802. Risk Retention Modernization Act (entire bill) H.R. 4626. Health Insurance Industry Fair Competition Act (entire bill) Administrations Financial Services Regulatory Reform Proposal (all titles Issues related to credit based insurance scoring

HR 1880 - The National Insurance Consumer Protection Act; Issue: concerns about federal regulation of insurance S 664 and HR 1754 The Financial System Stabilization and Reform Act of 2009; Issue: continued role for state regulators HR 2554 National Association of Registered Agent and Brokers Reform Act; Issue:reducing costs and administrative difficulties associated with reciprocal licensing of multi-state insurance agents. We support this bill. HR 3396 Financial Stability Improvement Act; S 2756 Financial Services Systemic Risk Oversight Council Act; Issues: how to define systemic risk?, what size and type of company should be regulated by the Council? S. 3217 Restoring American Financial Stability Act of 2010 (Sen. Dodd) Issue: concerns over creation of a pre-event resolution fund; scope of new Office of National Insurance HR 2609 Create a federal Office of Insurance Information; Issue: need for federal insurance expertise HR 2571 and S 1363 Non-Admitted and Reinsurance Reform; Issue: need for reform for these insurance lines Financial Services Regulatory Reform bills, including HR 4173 Wall Street Reform and Consumer Protection Act of 2009, HR 3310 Consumer Protection and Regulatory Enhancement Act; HR 2253/S 298 Financial Markets Commission Act, HR 4191 Let Wall Street Pay for the Restoration of Main Street, HR 885/S 1354 Improved Financial and Commodity Markets Oversight and Accountability Act, HR 977 Derivatives Market Transparency and Accountability Act, HR 3300 Derivative Trading Accountability and Disclosure Act, S 1540 Resolution Reform Act, S 1691 Comprehensive Derivatives Regulation Act, S 2813 Investor Rights and Corporate Accountability Act HR 3269 Corporate and Financial Institution Compensation Fairness Act, HR 4142/S 2746 Too Big to Fail, Too Big to Exist Act, and HR 2111 Congressional Commission on Financial Accoutability and Preparedness Act; Issue: all aspects of financial services regulatory reform affecting the insurance industry HR 3817 Investor Protection Act - all aspects pertaining to the sale of financial products and the licensing of agents HR 2733/S 1389 - Fixed Indexed Annuities and Insurance Products Classification Act; Issue: clarify that certain annuity products are exempt from federal regulation S. 1297 Retirement Security for Life Act. Issue: Tax Incentives for Annuities HR 2748 Retirement Security Needs Lifetime Pay Act of 2009. Issue: Tax incentives for Annuities. NOT YET INTRODUCED Restrictions on insurers use of credit scoring; Issue: ability to continue to use an accurate predictor of insurance claims

Legislation: Executive Compensation (H.R.1664, H.R.1575, H.R.1586); Credit Card Legislation (S.414, H.R.627); Interstate Taxation (H.R.1083); Systemic Risk Regulation; Appropriations, including real estate brokerage & FTC & State AG rules (H.R.1105); Credit Union Legislation; Fair Value Accounting; Bankruptcy Cramdown & FDIC Reform (H.R.1106, S.61, S.541, H.R.200); Mortgage Loan Modification; Economic Stimulus (H.R.598, H.R.1); Deposit Insurance Increase (S.896, H.R.786), cont'd. Hope for Homeowners (H.R.787); Mortgage Servicing (H.R.788); TARP (H.R.384, H.J.Res.3); Administration's Regulatory Reform Proposal; TARP Legislation (H.R.1610, H.R.1652, H.R.1656); Usury Ceilings (H.R.1608, H.R.1640, H.R.4300); Financial Literacy (H.R.1645); Pension Legislation (H.R. 1629); Universal Default (H.R. 1637); Interchange Legislation (H.R.2382, H.R.2695); "Bank Accountability and Risk Assessment Act" (H.R.2897); Data Protection (H.R.2221); Mortgage Legislation (H.R.1708); SBA Authorization (H.R.3614); Credit CARD Act effective date (H.R.3639); Student Loans (H.R. 3221), Overdraft Restrictions; Consumer Financial Protection Agency (H.R.3126); Corporate Compensation (H.R.3269); Mandatory Farm Loan Restructuring; FDIC Resolution Authority (S.1540); Credit Union Business Lending (H.R.3380, S.2919); Treasury regulatory restructuring bills (H.R.4173, H.R.3818, H.R. 3817, H.R. 3890, H.R.3126, H.R. 3795); Glass-Steagall Act (S.2886, H.R.475), Tax Extenders (H.R.4213); Estate Tax Extension (H.R.4154); Securities Transaction Tax (H.R.4191); NOL legislation; Credit Card legislation (S.1927, H.R. 3639); Investor Protection Act (H.R. 3817); Small Business Lending (H.R.3854, H.R.4938); Overdraft Protection Act (H.R.3904); Financial Crisis Responsibility Fee; The Volcker Rule (S.3098). Regulation: Overdraft Fees; FRB Regulation E; TARP Program, including CPP, PPIP, TALF, TLGP; TIP; MMIFF; AMLF; CAP; Loan Modification; FDIC Deposit Insurance Premiums; SEC Accounting Issues; Capital Adequacy Requirements; Reg Z (Truth in Lending); Deposit Insurance Assessments; Regulations on Loans to Affiliates; Remote Deposit Capture; Executive Pay Guidelines; Regulation DD (Truth in Savings); Unfair & Deceptive Acts & Practices Regulation; Reserve Requirement (Reg D); Deposit Insurance Regulations; CRA Regulations; Transaction Account Guarantee Program; SBA Regs; Identity Theft and Privacy Rules; MLO regulations; Legacy securities and Legacy Loans Program; Reserve Requirements (Reg D); State Law Preemption; SEC Short-Sales Rules; Privacy (Reg S); IRS Regs (F-BAR); RESPA Regs; Flood Insurance; Credit CARD Act Regulation; Basel Committees Capital & Liquidity Standards; SEC Proxy & Information disclosures; FDIC Accounting Rules; Fed Gift Card Rules; Unlawful Internet Gambling Act Regulations; Fed Overdraft Regs; CRE; Small Business Lending Fund; Guidance on Unbundling Trust Commissions; Payment Systems Reporting Regulations; Financial Literacy.

S.344 Hedge Fund Transparency Act S.360, the Cap Executive Officer Pay Act of 2009 (all provisions) S. 605, A bill to require the Securities and Exchange Commission to reinstate the uptick rule and effectively regulate abusive short selling activities S. 651, the Compensation Fairness Act of 2009 (all provisions) S. 1540, the Resolution Reform Act of 2009 (all provisions) S.1074 : A bill to provide shareholders with enhanced authority over the nomination, election, and compensation of public company executives. S. 2886, the Banking Integrity Act of 2009 (all provisions) Draft Senate legislation to restructure financial services regulation (all provisions) H.R. 302, To require the Securities and Exchange Commission to reinstate the uptick rule on short sales of securities H.R.711, Hedge Fund Adviser Registration Act of 2009 H.R. 977, the Derivatives Markets Transparency Accountability Act H.R. 1406, To direct the Securities and Exchange Commission to reinstate the "uptick rule" on short sales of securities and to suspend the application of mark-to-market accounting principles H.R. 1575, the End Government Reimbursement of Excessive Executive Disbursements (End GREED) Act (all provisions) H.R. 1664, To amend the executive compensation provisions of the Emergency Economic Stabilization Act of 2008 to prohibit unreasonable and excessive compensation and compensation not based on performance standards. H.R. 3068, the TARP for Main Street Act of 2009 (all provisions) H.R. 3126, the Consumer Financial Protection Agency Act (all provisions) H.R. 3269, the Corporate and Financial Institution Compensation Fairness Act (all provisions) H.R. 3594, the TARP Recipient Ownership Trust Act of 2009 (all provisions) H.R. 3795, the Over-the-Counter Derivatives Markets Act of 2009 (all provisions) H.R. 3890, the Accountability and Transparency in Rating Agencies Act (all provisions) H.R. 3996, the Financial Stability Improvement Act of 2009 (all provisions) H.R. 4173, the Wall Street Reform and Consumer Protection Act of 2009 (all provisions) H.R. 4375, the Glass-Steagall Restoration Act (all provisions) Letter to express support for ABA letter regarding recommendations to help well-managed, viable banks address their capital needs. Auction Announcement, New Small banks capital program, ABA recommendations.

S.344 Hedge Fund Transparency Act S. 360, the Cap Executive Officer Pay Act of 2009 (all provisions) S. 605, A bill to require the Securities and Exchange Commission to reinstate the uptick rule and effectively regulate abusive short selling activities S. 651, the Compensation Fairness Act of 2009 (all provisions) S. 1540, the Resolution Reform Act of 2009 (all provisions) S.1074 : A bill to provide shareholders with enhanced authority over the nomination, election, and compensation of public company executives. H.R. 302, To require the Securities and Exchange Commission to reinstate the uptick rule on short sales of securities H.R.711, Hedge Fund Adviser Registration Act of 2009 H.R. 977, the Derivatives Markets Transparency Accountability Act H.R. 1406, To direct the Securities and Exchange Commission to reinstate the "uptick rule" on short sales of securities and to suspend the application of mark-to-market accounting principles H.R. 1575, the End Government Reimbursement of Excessive Executive Disbursements (End GREED) Act (all provisions) H.R. 1664, To amend the executive compensation provisions of the Emergency Economic Stabilization Act of 2008 to prohibit unreasonable and excessive compensation and compensation not based on performance standards. H.R. 3068, the TARP for Main Street Act of 2009 (all provisions) H.R. 3126, the Consumer Financial Protection Agency Act (all provisions) H.R. 3269, the Corporate and Financial Institution Compensation Fairness Act (all provisions) H.R. 3594, the TARP Recipient Ownership Trust Act of 2009 (all provisions) Administration Proposal to Restructure Financial Services Regulation (all provisions) Administration Proposal on Systemic Risk Regulation (all provisions) The Over-the Counter Derivatives Markets Act of 2009, Draft Legislation

H.R. 1 (The American Recovery and Reinvestment Act of 2009) (foreclosure avoidance and loan modifications); H.R. 200 (Helping Families Save Their Homes in Bankruptcy Act); H.R. 225 (Emergency Homeownership and Equity Protection Act); H.R. 230 (Housing Opportunity and Mortgage Equity Act of 2009) (foreclosure avoidance and loan modifications); H.R. 384 (TARP Reform and Accountability Act) (foreclosure avoidance and loan modifications); H.R. 703 (Legislation to promote bank liquidity and lending through deposit insurance, the HOPE for Homeowners Program, and other enhancements); H.R. 786 (To make permanent the temporary increase in deposit insurance coverage, and for other purposes); H.R. 787 (to make improvements in the Hope for Homeowners Program) (foreclosure avoidance and loan modifications); H.R. 788 (To provide a safe harbor for mortgage servicers who engage in specified mortgage loan modifications, and for other purposes); H.R. 1020 (Arbitration Fairness Act of 2009); H.R. 1106 (Helping Families Save Their Homes Act) (foreclosure avoidance and loan modifications); H.R. 1728 (To amend the Truth in Lending Act to reform consumer mortgage practices and provide accountability for such practices, to provide certain minimum standards for consumer mortgage loans, and for other purposes) (mortgage reform); H.R. 1758 (Mortgage Reform and Anti-predatory Lending Act of 2009); H.R. 3269 (Corporate and Financial Institution Compensation Fairness Act of 2009); H.R. 3451 (To require mortgagees for mortgages in default to engage in reasonable loss mitigation activities); H.R. 3606 (Consumer Financial Protection Agency Act); H.R. 3996 (The Financial Stability Improvement Act of 2009); S. 61 (Helping Families Save Their Homes in Bankruptcy Act); S. 376 (Real Estate Mortgage Investment Conduit Improvement Act of 2009); S. 896 (Helping Families Save Their Homes Act); S. 931 (Arbitration Fairness Act of 2009); S. 1073 (Rating Accountability and Transparency Enhancement Act of 2009); S. 1540 (To provide for enhanced authority of the FDIC to act as receiver for certain affiliates of depository institutions); S. 1731 (To require certain mortgages to make loan modifications and establish grant programs for state and local government mediation programs); Housing Affordability and Stability Plan; Student loans (special allowance payment rates); Credit Rating Agency Reform.

Obama Administration Consumer Financial Protection Agency Act of 2009 proposed legislation. H.R. 3126, The Consumer Financial Protection Agency Act of 2009. Legislation pertaining to resolution authority, specifically S. 1540, The Resolution Reform Act of 2009. Discussion draft, "Restoring American Financial Stability Act," introduced by Senator Dodd.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Obama Administration Consumer Financial Protection Agency Act of 2009 proposed legislation. H.R. 3126, The Consumer Financial Protection Agency Act of 2009. Legislation pertaining to resolution authority, specifically S. 1540, The Resolution Reform Act of 2009. Discussion draft, "Restoring American Financial Stability Act," introduced by Senator Dodd.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Legislation: Executive Compensation (H.R.1664, H.R.1575, H.R.1586); Credit Card Legislation (S.414, H.R.627); Interstate Taxation (H.R.1083); Systemic Risk Regulation; Appropriations, including real estate brokerage & FTC & State AG rules (H.R.1105); Credit Union Legislation; Fair Value Accounting; Bankruptcy Cramdown & FDIC Reform (H.R.1106, S.61, S.541, H.R.200); Mortgage Loan Modification; Economic Stimulus (H.R.598, H.R.1); Deposit Insurance Increase (S.896, H.R.786), cont'd. Hope for Homeowners (H.R.787); Mortgage Servicing (H.R.788); TARP (H.R.384, H.J.Res.3); Administration's Regulatory Reform Proposal; TARP Legislation (H.R.1610, H.R.1652, H.R.1656); Usury Ceilings (H.R.1608, H.R.1640); Financial Literacy (H.R.1645); Pension Legislation (H.R. 1629); Universal Default (H.R. 1637); Interchange Legislation (H.R.2382, H.R.2695); "Bank Accountability and Risk Assessment Act" (H.R.2897); Data Protection (H.R.2221); Mortgage Legislation (H.R.1708); SBA Authorization (H.R.3614); Credit CARD Act effective date (H.R.3639); Student Loans (H.R. 3221), Overdraft Restrictions; Consumer Financial Protection Agency (H.R.3126); Corporate Compensation (H.R.3269); Mandatory Farm Loan Restructuring; FDIC Resolution Authority (S.1540); Credit Union Business Lending (H.R.3380, S.2919); Treasury regulatory restructuring bills (H.R.4173, H.R.3818, H.R. 3817, H.R. 3890, H.R.3126, H.R. 3795). Legislation: Glass-Steagall Act (S.2886, H.R.475), Tax Extenders (H.R.4213); Estate Tax Extension (H.R.4154); Securities Transaction Tax (H.R.4191); NOL legislation; Credit Card legislation (S.1927, H.R. 3639); Investor Protection Act (H.R. 3817); Small Business Lending (H.R.3854); Overdraft Protection Act (H.R.3904). Regulation: Overdraft Fees; FRB Regulation E; TARP Program, including CPP, PPIP, TALF, TLGP; TIP; MMIFF; AMLF; CAP; Loan Modification; FDIC Deposit Insurance Premiums; SEC Accounting Issues; Capital Adequacy Requirements; Reg Z (Truth in Lending); Deposit Insurance Assessments; Regulations on Loans to Affiliates; Remote Deposit Capture; Executive Pay Guidelines; Regulation DD (Truth in Savings); Unfair & Deceptive Acts & Practices Regulation; Reserve Requirement (Reg D); Deposit Insurance Regulations; CRA Regulations; Transaction Account Guarantee Program; SBA Regs; Identity Theft and Privacy Rules; MLO regulations; Legacy securities and Legacy Loans Program; Reserve Requirements (Reg D); State Law Preemption; SEC Short-Sales Rules; Privacy (Reg S); IRS Regs (F-BAR); RESPA Regs; Flood Insurance; Credit CARD Act Regulation; Basel Committees Capital & Liquidity Standards; SEC Proxy & Information disclosures; FDIC Accounting Rules; Fed Gift Card Rules; Unlawful Internet Gambling Act Regulations; Fed Overdraft Regs; CRE.

H.R. 1 (The American Recovery and Reinvestment Act of 2009) (foreclosure avoidance and loan modifications); H.R. 200 (Helping Families Save Their Homes in Bankruptcy Act); H.R. 225 (Emergency Homeownership and Equity Protection Act); H.R. 230 (Housing Opportunity and Mortgage Equity Act of 2009) (foreclosure avoidance and loan modifications); H.R. 384 (TARP Reform and Accountability Act) (foreclosure avoidance and loan modifications); H.R. 703 (Legislation to promote bank liquidity and lending through deposit insurance, the HOPE for Homeowners Program, and other enhancements); H.R. 786 (To make permanent the temporary increase in deposit insurance coverage, and for other purposes); H.R. 787 (to make improvements in the Hope for Homeowners Program) (foreclosure avoidance and loan modifications); H.R. 788 (To provide a safe harbor for mortgage servicers who engage in specified mortgage loan modifications, and for other purposes); H.R. 1020 (Arbitration Fairness Act of 2009); H.R. 1106 (Helping Families Save Their Homes Act) (foreclosure avoidance and loan modifications); H.R. 1728 (To amend the Truth in Lending Act to reform consumer mortgage practices and provide accountability for such practices, to provide certain minimum standards for consumer mortgage loans, and for other purposes) (mortgage reform); H.R. 1758 (Mortgage Reform and Anti-predatory Lending Act of 2009); H.R. 3269 (Corporate and Financial Institution Compensation Fairness Act of 2009); H.R. 3451 (To require mortgagees for mortgages in default to engage in reasonable loss mitigation activities); H.R. 3606 (Consumer Financial Protection Agency Act); H.R. 3996 (The Financial Stability Improvement Act of 2009); S. 61 (Helping Families Save Their Homes in Bankruptcy Act); S. 376 (Real Estate Mortgage Investment Conduit Improvement Act of 2009); S. 896 (Helping Families Save Their Homes Act); S. 931 (Arbitration Fairness Act of 2009); S. 1073 (Rating Accountability and Transparency Enhancement Act of 2009); S. 1540 (To provide for enhanced authority of the FDIC to act as receiver for certain affiliates of depository institutions); S. 1731 (To require certain mortgages to make loan modifications and establish grant programs for state and local government mediation programs); Housing Affordability and Stability Plan; Student loans (special allowance payment rates); Credit Rating Agency Reform.

S.344 Hedge Fund Transparency Act S.360, the Cap Executive Officer Pay Act of 2009 (all provisions) S. 605, A bill to require the Securities and Exchange Commission to reinstate the uptick rule and effectively regulate abusive short selling activities S. 651, the Compensation Fairness Act of 2009 (all provisions) S. 1540, the Resolution Reform Act of 2009 (all provisions) S.1074 : A bill to provide shareholders with enhanced authority over the nomination, election, and compensation of public company executives. S. 2886, the Banking Integrity Act of 2009 (all provisions) Draft Senate legislation to restructure financial services regulation (all provisions) H.R. 302, To require the Securities and Exchange Commission to reinstate the uptick rule on short sales of securities H.R.711, Hedge Fund Adviser Registration Act of 2009 H.R. 977, the Derivatives Markets Transparency Accountability Act H.R. 1406, To direct the Securities and Exchange Commission to reinstate the "uptick rule" on short sales of securities and to suspend the application of mark-to-market accounting principles H.R. 1575, the End Government Reimbursement of Excessive Executive Disbursements (End GREED) Act (all provisions) H.R. 1664, To amend the executive compensation provisions of the Emergency Economic Stabilization Act of 2008 to prohibit unreasonable and excessive compensation and compensation not based on performance standards. H.R. 3068, the TARP for Main Street Act of 2009 (all provisions) H.R. 3126, the Consumer Financial Protection Agency Act (all provisions) H.R. 3269, the Corporate and Financial Institution Compensation Fairness Act (all provisions) H.R. 3594, the TARP Recipient Ownership Trust Act of 2009 (all provisions) H.R. 3795, the Over-the-Counter Derivatives Markets Act of 2009 (all provisions) H.R. 3890, the Accountability and Transparency in Rating Agencies Act (all provisions) H.R. 3996, the Financial Stability Improvement Act of 2009 (all provisions) H.R. 4173, the Wall Street Reform and Consumer Protection Act of 2009 (all provisions) H.R. 4375, the Glass-Steagall Restoration Act (all provisions) Letter to express support for ABA letter regarding recommendations to help well-managed, viable banks address their capital needs. Auction Announcement, New Small banks capital program, ABA recommendations.

H.R. 83. Homeowners Insurance Protection Act (entire bill) H.R. 308/ S. 1364. Hurricane and Tornado Mitigation Investment Act (entire bills) H.R. 1583. To further competition in the insurance industry (Repeals McCarran-Furguson Act) (entire bills) H.R 327/ S. 1485. National Hurricane Research Initiative Act (entire bill) H.R. 988/ S. 1486. Policyholder Disaster Protection Act (entire bill) H.R. 1239. Property Mitigation Assistance Act (entire bill) H.R. 1264. Multi Peril Insurance Act (entire bill) S. 505. Homeowners Defense Act (entire bill) H.R. 1880. National Insurance Consumer Protection Act (entire bill) H.R. 1754/ S.664. Financial System Stabilization and Reform Act of 2009 (entire bill) S. 886. Catastrophe Obligation Guarantee Act (entire bill) H.R. 2555. Homeowners Defense Act of 2009 (entire bill) H.R. 2554. National Association of Registered Agents and Brokers Reform Act (entire bill) H.R. 2571/ S. 1363. Nonadmitted and Reinsurance Reform Act H.R. 2609. Insurance Information Act (entire bill) H.R. 3596/ S. 1681. Health Insurance Industry Antitrust Enforcement Act (entire bill) S.1484. Catastrophe Savings Account Act (entire bill) S. 1487. Commission on Catastrophic Disaster Risk and Insurance Act (entire bill) H.R. 3139. National Flood Insurance Program Extension Act (entire bill) H.R. 3126/ H.R. 3639. Consumer Financial Protection Agency Act S. 1540. Resolution Reform Act of 2009 H.R. 3590. Patient Protection and Affordable Care Act (proposed amendment #2795, Health Insurance Antitrust Enforcement Act) H.R. 3326. FY 2010 DOD Appropriations (Sec. 1005, Continuing Resolution of National Flood Insurance Program). H.R. 3962. Affordable Health Care for America Act (Sec 260-FTC Authority, Sec. 262, Antitrust Application to Health Sector Industries). H.R. 4173. Wall Street Reform and Consumer Protection Act of 2009. (entire bill) H.R. 3817. Investor Protections Act of 2009. (entire bill) H.R. 3818. Private Fund Investment Advisors Registration Act of 2009. (entire bill) H.R. 3996. Financial Stability Improvement Act. (entire bill) Senate Banking Committee Chairman's Mark. Restoring America's Financial Stability Act of 2009. Administrations Financial Services Regulatory Reform Proposal: Title I - Financial Services Oversight Council Title II - Tier 1 Financial Holding Companies Title III Improvements to Supervision and Regulation of Federal Depository Institutions Title IV Registration of Advisers to Private Funds Title V Office of National Insurance Title VI - Bank Holding Company Act amendments and other banking law amendments Title VII - Improvements to Regulation of Over-the-Counter Derivatives Markets Title VIII Settlement Supervision Title IX Additional Improvements to Financial Markets Regulation Subtitle A and B Title IX Additional Improvements to Financial Markets Regulation Subtitle C Title IX Additional Improvements to Financial Markets Regulation Subtitle D Title IX - Additional Improvements to Financial Markets Regulation Subtitle E Title X Consumer Financial Protection Title XI Improvements to the Federal Trade Commission Act Title XII Enhanced Resolution Authority Title XIII - Amendment to Federal Reserve Act section 13(3) Issues related to credit based insurance scoring

S.344 Hedge Fund Transparency Act S. 360, the Cap Executive Officer Pay Act of 2009 (all provisions) S. 605, A bill to require the Securities and Exchange Commission to reinstate the uptick rule and effectively regulate abusive short selling activities S. 651, the Compensation Fairness Act of 2009 (all provisions) S. 1540, the Resolution Reform Act of 2009 (all provisions) S.1074 : A bill to provide shareholders with enhanced authority over the nomination, election, and compensation of public company executives. S. 2886, the Banking Integrity Act of 2009 (all provisions) Draft Senate legislation to restructure financial services regulation (all provisions) H.R. 302, To require the Securities and Exchange Commission to reinstate the uptick rule on short sales of securities H.R.711, Hedge Fund Adviser Registration Act of 2009 H.R. 977, the Derivatives Markets Transparency Accountability Act H.R. 1406, To direct the Securities and Exchange Commission to reinstate the "uptick rule" on short sales of securities and to suspend the application of mark-to-market accounting principles H.R. 1575, the End Government Reimbursement of Excessive Executive Disbursements (End GREED) Act (all provisions) H.R. 1664, To amend the executive compensation provisions of the Emergency Economic Stabilization Act of 2008 to prohibit unreasonable and excessive compensation and compensation not based on performance standards. H.R. 3068, the TARP for Main Street Act of 2009 (all provisions) H.R. 3126, the Consumer Financial Protection Agency Act (all provisions) H.R. 3269, the Corporate and Financial Institution Compensation Fairness Act (all provisions) H.R. 3594, the TARP Recipient Ownership Trust Act of 2009 (all provisions) H.R. 3795, the Over-the-Counter Derivatives Markets Act of 2009 (all provisions) H.R. 3890, the Accountability and Transparency in Rating Agencies Act (all provisions) H.R. 3996, the Financial Stability Improvement Act of 2009 (all provisions) H.R. 4173, the Wall Street Reform and Consumer Protection Act of 2009 (all provisions) H.R. 4375, the Glass-Steagall Restoration Act (all provisions)

HR 1880 - The National Insurance Consumer Protection Act; Issue: concerns about federal regulation of insurance S 664 and HR 1754 The Financial System Stabilization and Reform Act of 2009; Issue: continued role for state regulators HR 2554 National Association of Registered Agent and Brokers Reform Act; Issue:reducing costs and administrative difficulties associated with reciprocal licensing of multi-state insurance agents. We support this bill. HR 635 Establish National Commission on State Workers' Compensation Laws; Issue: Is there a need for this Commission? HR 3396 Financial Stability Improvement Act; S 2756 Financial Services Systemic Risk Oversight Council Act; Issue: how to define systemic risk?, what size and type of company should be regulated by the Council? concerns over creation of a pre-event resolution fund HR 2609 Create a federal Office of Insurance Information; Issue: need for federal insurance expertise HR 2571 and S 1363 Non-Admitted and Reinsurance Reform; Issue: need for reform for these insurance lines Financial Services Regulatory Reform bills, including HR 4173 Wall Street Reform and Consumer Protection Act of 2009, HR 3310 Consumer Protection and Regulatory Enhancement Act; HR 2253/S 298 Financial Markets Commission Act, HR 4191 Let Wall Street Pay for the Restoration of Main Street, HR 885/S 1354 Improved Financial and Commodity Markets Oversight and Accountability Act, HR 977 Derivatives Market Transparency and Accountability Act, HR 3300 Derivative Trading Accountability and Disclosure Act, S 1540 Resolution Reform Act, S 1691 Comprehensive Derivatives Regulation Act, S 2813 Investor Rights and Corporate Accountability Act HR 3269 Corporate and Financial Institution Compensation Fairness Act, HR 4142/S 2746 Too Big to Fail, Too Big to Exist Act, and HR 2111 Congressional Commission on Financial Accoutability and Preparedness Act; Issue: all aspects of financial services regulatory reform affecting the insurance industry HR 3817 Investor Protection Act - all aspects pertaining to the sale of financial products and the licensing of agents HR 2733/S 1389 - Fixed Indexed Annuities and Insurance Products Classification Act; Issue: clarify that certain annuity products are exempt from federal regulation NOT YET INTRODUCED Restrictions on insurers use of credit scoring; Issue: ability to continue to use an accurate predictor of insurance claims

H.R. 1 (The American Recovery and Reinvestment Act of 2009) (foreclosure avoidance and loan modifications); H.R. 200 (Helping Families Save Their Homes in Bankruptcy Act); H.R. 225 (Emergency Homeownership and Equity Protection Act); H.R. 230 (Housing Opportunity and Mortgage Equity Act of 2009) (foreclosure avoidance and loan modifications); H.R. 384 (TARP Reform and Accountability Act) (foreclosure avoidance and loan modifications); H.R. 703 (Legislation to promote bank liquidity and lending through deposit insurance, the HOPE for Homeowners Program, and other enhancements); H.R. 786 (To make permanent the temporary increase in deposit insurance coverage, and for other purposes); H.R. 787 (to make improvements in the Hope for Homeowners Program) (foreclosure avoidance and loan modifications); H.R. 788 (To provide a safe harbor for mortgage servicers who engage in specified mortgage loan modifications, and for other purposes); H.R. 1106 (Helping Families Save Their Homes Act) (foreclosure avoidance and loan modifications); H.R. 1728 (To amend the Truth in Lending Act to reform consumer mortgage practices and provide accountability for such practices, to provide certain minimum standards for consumer mortgage loans, and for other purposes) (mortgage reform); H.R. 1758 (Mortgage Reform and Anti-predatory Lending Act of 2009); S. 61 (Helping Families Save Their Homes in Bankruptcy Act); S. 376 (Real Estate Mortgage Investment Conduit Improvement Act of 2009); Housing Affordability and Stability Plan; Credit Rating Agency Reform; H.R. 1020 (Arbitration Fairness Act of 2009); S. 931 (Arbitration Fairness Act of 2009); S. 896 (Helping Families Save Their Homes Act); Student loans (special allowance payment rates); S. 1731 (To require certain mortgages to make loan modifications and establish grant programs for state and local government mediation programs); S. 1540 (To provide for enhanced authority of the FDIC to act as receiver for certain affiliates of depository institutions); H.R. 3451 (To require mortgagees for mortgages in default to engage in reasonable loss mitigation activities); S. 1073 (Rating Accountability and Transparency Enhancement Act of 2009).

Derivative (H.R. 977, H.R. 1754, S. 664, H.R. 2448, H.R. 2454, S. 272, S. 447, S. 807, S. 961). Administration proposal to establish systemic risk regime; improve regulation of bank holding companies and depository institutions; regulate hedge funds, derivatives, credit rating agencies and securization; improve investor protection; and establish enhanced resolution authority (no bill number). Resolution Reform Act of 2009 (S. 1540). Fixed Indexed Annuities (S. 1389, H.R. 2733).

Client expense: $1,480,000 · Firm income: Not reported

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

Obama Administration Consumer Financial Protection Agency Act of 2009 proposed legislation. H.R. 3126, The Consumer Financial Protection Agency Act of 2009. Legislation pertaining to resolution authority, specifically S. 1540, The Resolution Reform Act of 2009.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Obama Administration Consumer Financial Protection Agency Act of 2009 proposed legislation. H.R. 3126, The Consumer Financial Protection Agency Act of 2009. Legislation pertaining to resolution authority, specifically S. 1540, The Resolution Reform Act of 2009.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S.344 Hedge Fund Transparency Act S. 360, the Cap Executive Officer Pay Act of 2009 (all provisions) S. 605, A bill to require the Securities and Exchange Commission to reinstate the uptick rule and effectively regulate abusive short selling activities S. 651, the Compensation Fairness Act of 2009 (all provisions) S. 1540, the Resolution Reform Act of 2009 (all provisions) S.1074 : A bill to provide shareholders with enhanced authority over the nomination, election, and compensation of public company executives. H.R. 302, To require the Securities and Exchange Commission to reinstate the uptick rule on short sales of securities H.R.711, Hedge Fund Adviser Registration Act of 2009 H.R. 977, the Derivatives Markets Transparency Accountability Act H.R. 1406, To direct the Securities and Exchange Commission to reinstate the "uptick rule" on short sales of securities and to suspend the application of mark-to-market accounting principles H.R. 1575, the End Government Reimbursement of Excessive Executive Disbursements (End GREED) Act (all provisions) H.R. 1664, To amend the executive compensation provisions of the Emergency Economic Stabilization Act of 2008 to prohibit unreasonable and excessive compensation and compensation not based on performance standards. H.R. 3068, the TARP for Main Street Act of 2009 (all provisions) H.R. 3126, the Consumer Financial Protection Agency Act (all provisions) H.R. 3269, the Corporate and Financial Institution Compensation Fairness Act (all provisions) H.R. 3594, the TARP Recipient Ownership Trust Act of 2009 (all provisions) Administration Proposal to Restructure Financial Services Regulation (all provisions) Administration Proposal on Systemic Risk Regulation (all provisions) The Over-the Counter Derivatives Markets Act of 2009, Draft Legislation

S.344 Hedge Fund Transparency Act S. 360, the Cap Executive Officer Pay Act of 2009 (all provisions) S. 605, A bill to require the Securities and Exchange Commission to reinstate the uptick rule and effectively regulate abusive short selling activities S. 651, the Compensation Fairness Act of 2009 (all provisions) S. 1540, the Resolution Reform Act of 2009 (all provisions) S.1074 : A bill to provide shareholders with enhanced authority over the nomination, election, and compensation of public company executives. H.R. 302, To require the Securities and Exchange Commission to reinstate the uptick rule on short sales of securities H.R.711, Hedge Fund Adviser Registration Act of 2009 H.R. 977, the Derivatives Markets Transparency Accountability Act H.R. 1406, To direct the Securities and Exchange Commission to reinstate the "uptick rule" on short sales of securities and to suspend the application of mark-to-market accounting principles H.R. 1575, the End Government Reimbursement of Excessive Executive Disbursements (End GREED) Act (all provisions) H.R. 1664, To amend the executive compensation provisions of the Emergency Economic Stabilization Act of 2008 to prohibit unreasonable and excessive compensation and compensation not based on performance standards. H.R. 3068, the TARP for Main Street Act of 2009 (all provisions) H.R. 3126, the Consumer Financial Protection Agency Act (all provisions) H.R. 3269, the Corporate and Financial Institution Compensation Fairness Act (all provisions) H.R. 3594, the TARP Recipient Ownership Trust Act of 2009 (all provisions) Administration Proposal to Restructure Financial Services Regulation (all provisions) Administration Proposal on Systemic Risk Regulation (all provisions) H.R. 3795, The Over-the Counter Derivatives Markets Act of 2009

H.R. 83. Homeowners Insurance Protection Act (entire bill) H.R. 308/ S. 1364. Hurricane and Tornado Mitigation Investment Act (entire bills) H.R. 1583. To further competition in the insurance industry (Repeals McCarran-Furguson Act) (entire bills) H.R 327/ S. 1485. National Hurricane Research Initiative Act (entire bill) H.R. 988/ S. 1486. Policyholder Disaster Protection Act (entire bill) H.R. 1239. Property Mitigation Assistance Act (entire bill) H.R. 1264. Multi Peril Insurance Act (entire bill) S. 505. Homeowners Defense Act (entire bill) H.R. 1880. National Insurance Consumer Protection Act (entire bill) H.R. 1754/ S.664. Financial System Stabilization and Reform Act of 2009 (entire bill) S. 886. Catastrophe Obligation Guarantee Act (entire bill) H.R. 2555. Homeowners Defense Act of 2009 (entire bill) H.R. 2554. National Association of Registered Agents and Brokers Reform Act (entire bill) H.R. 2571/ S. 1363. Nonadmitted and Reinsurance Reform Act H.R. 2609. Insurance Information Act (entire bill) H.R. 3596/ S. 1681. Health Insurance Industry Antitrust Enforcement Act (entire bill) S.1484. Catastrophe Savings Account Act (entire bill) S. 1487. Commission on Catastrophic Disaster Risk and Insurance Act (entire bill) H.R. 3139. National Flood Insurance Program Extension Act (entire bill) H.R. 2918. FY 2010 Legislative Appropriations and Continuing Resolution (Division 8, Sec. 129, Continuing Resolution for National Flood Insurance Program) H.R. 3126/ H.R. 3639. Consumer Financial Protection Agency Act S. 1540. Resolution Reform Act of 2009 Issues related to credit based insurance scoring Administrations Financial Services Regulatory Reform Proposal: Title I - Financial Services Oversight Council Title II - Tier 1 Financial Holding Companies Title III Improvements to Supervision and Regulation of Federal Depository Institutions Title IV Registration of Advisers to Private Funds Title V Office of National Insurance Title VI - Bank Holding Company Act amendments and other banking law amendments Title VII - Improvements to Regulation of Over-the-Counter Derivatives Markets Title VIII Settlement Supervision Title IX Additional Improvements to Financial Markets Regulation Subtitle A and B Title IX Additional Improvements to Financial Markets Regulation Subtitle C Title IX Additional Improvements to Financial Markets Regulation Subtitle D Title IX - Additional Improvements to Financial Markets Regulation Subtitle E Title X Consumer Financial Protection Title XI Improvements to the Federal Trade Commission Act Title XII Enhanced Resolution Authority Title XIII - Amendment to Federal Reserve Act section 13(3) H.R. 3200. America's Affordable Health Choices Act (possible amendments affecting property-casualty insurers) Senate Finance Committee Modified Chairman's Mark of America's Health Future Act (possible amendments affecting property-casualty insurers)

Legislation: Executive Compensation (H.R.1664, H.R.1575, H.R.1586); Credit Card Legislation (S.414, H.R.627); Interstate Taxation (H.R.1083); Systemic Risk Regulation; Appropriations, including real estate brokerage & FTC & State AG rules (H.R.1105); Credit Union Legislation; Fair Value Accounting; Bankruptcy Cramdown & FDIC Reform (H.R.1106, S.61, S.541, H.R.200); Mortgage Loan Modification; Economic Stimulus (H.R.598, H.R.1); Deposit Insurance Increase (S.896, H.R.786), cont'd. Hope for Homeowners (H.R.787); Mortgage Servicing (H.R.788); TARP (H.R.384, H.J.Res.3); Administration's Regulatory Reform Proposal; TARP Legislation (H.R.1610, H.R.1652, H.R.1656); Usury Ceilings (H.R.1608, H.R.1640); Financial Literacy (H.R.1645); Pension Legislation (H.R. 1629); Universal Default (H.R. 1637); Interchange Legislation (H.R.2382, H.R.2695); "Bank Accountability and Risk Assessment Act" (H.R.2897); Data Protection (H.R.2221); Mortgage Legislation (H.R.1708); SBA Authorization (H.R.3614); Credit CARD Act effective date (H.R.3639); Student Loans (H.R. 3221), Overdraft Restrictions; Consumer Financial Protection Agency (H.R.3126); Corporate Compensation (H.R.3269); Mandatory Farm Loan Restructuring; FDIC Resolution Authority (S.1540); Credit Union Business Lending (H.R.3380); Treasury regulatory restructuring bills.. Regulation: Overdraft Fees; FRB Regulation E; TARP Program, including CPP, PPIP, TALF, TLGP; TIP; MMIFF; AMLF; CAP; Loan Modification; FDIC Deposit Insurance Premiums; SEC Accounting Issues; Capital Adequacy Requirements; Reg Z (Truth in Lending); Deposit Insurance Assessments; Regulations on Loans to Affiliates; Remote Deposit Capture; Executive Pay Guidelines; Regulation DD (Truth in Savings); Unfair & Deceptive Acts & Practices Regulation; Reserve Requirement (Reg D); Deposit Insurance Regulations; CRA Regulations; Transaction Account Guarantee Program; SBA Regs; Identity Theft and Privacy Rules; MLO regulations; Legacy securities and Legacy Loans Program; Reserve Requirements (Reg D); State Law Preemption; SEC Short-Sales Rules; Privacy (Reg S); IRS Regs (F-BAR); RESPA Regs; Flood Insurance; Credit CARD Act Regulation.