Student Credit Card Protection Act of 2009

Issues regarding commercial credit providers, including: S. 585, S. 582, S. 566, S. 500, S. 414, S. 399, S. 392, S. 257, S. 255, S. 235, S. 165, S. 131, H.R. 1882, H.R. 1846, H.R. 1705, H.R. 1640, H.R. 1637, H.R. 1608, H.R. 1479, H.R. 1456, H.R. 1365, H.R. 1325, H.R. 1214, H.R. 627. Issues related to proposed Consumer Financial Protection Agency. Dodd-Frank Wall Street Reform and Consumer Protection Act

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to commercial credit providers, including: S. 585, S. 582, S. 566, S. 500, S. 414, S. 399, S. 392, S. 257, S. 255, S. 235, S. 165, S. 131, H.R. 1882, H.R. 1846, H.R. 1705, H.R. 1640, H.R. 1637, H.R. 1608, H.R. 1479, H.R. 1456, H.R. 1365, H.R. 1325, H.R. 1214, H.R. 627. Issues related to proposed new Consumer Financial Protection Agency. Dodd-Frank Wall Street Reform and Consumer Protection Act

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

Issues related to commercial credit providers, including: S. 585, S. 582, S. 566, S. 500, S. 414, S. 399, S. 392, S. 257, S. 255, S. 235, S. 165, S. 131, H.R. 1882, H.R. 1846, H.R. 1705, H.R. 1640, H.R. 1637, H.R. 1608, H.R. 1479, H.R. 1456, H.R. 1365, H.R. 1325, H.R. 1214, H.R. 627. Issues related to proposed new Consumer Financial Protection Agency.

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

Issues regarding commercial credit providers, including: S. 585, S. 582, S. 566, S. 500, S. 414, S. 399, S. 392, S. 257, S. 255, S. 235, S. 165, S. 131, H.R. 1882, H.R. 1846, H.R. 1705, H.R. 1640, H.R. 1637, H.R. 1608, H.R. 1479, H.R. 1456, H.R. 1365, H.R. 1325, H.R. 1214, H.R. 627. Issues related to proposed Consumer Financial Protection Agency.

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

Issues related to mortgage lending including bankruptcy issues which includes the following legislation: H.R. 1106 - Helping Families Save Their Homes Act of 2009; S. 61 - Helping Families Save Thier Homes in Bankruptcy Act of 2009; H.R. 200 - Helping Families Save Their Homes Act of 2009; H.R. 1728 - Mortgage Reform and Anti-Predatory Lending Act Issues related to consumer deposit accounts and credit cards including interchange which includues the following legislation: H.R. 627 - Credit Cardholder Bill of Rights of 2009; S. 414 - Credit Card Accountability, Responsibility and Disclosure Act of 2009; S. 392- Credit Card Reform Act of 2009; S. 235 - Credit Cardholder Bill of Rights of 2009; S. 500 - Protecting Consumers from Unreasonable Credit Rates Act; S. 257 - Consumer Credit Fairness Act; H.R. 1610 - Interest Rate Equity (RE) Act; H.R. 1365 - [No short title] - bill that requires businesses that offer credit cards to post signs with disclosures; H.R. 1637 - Universal Default Prohibition Act of 2009; S. 399 - Universal Default Prohibition Act of 2009; S. 165 - Student Credit Card Protection Act of 2009. Issues related to arbitration provisions in consumer contracts which includes the following legislation: H.R. 1020 - Arbitration Fairness Act; H.R. 1237 - Fairness in Nursing Home Arbitration Act; S. 512 - Fairness in Arbitration Act; H.R. 991 - Consumer Fairness Act; H.R. 1214 - Payday Loan Reform Act of 2009; S. 263 - Servicemembers Access to Justice Act of 2009 Issues related to Student Lending - H.R. 3221 - Student Aid and Fiscal Responsibility Act of 2009 Issues related to regulatory reform - H.R. 3126 - Consumer Financial Protection Agency of 2009 Issues related to mortgage lending S 896 - Helping Families Save Their Homes Act of 2009 Issues related to Interchange H.R. 2695 - Credit Card Fair Fee Act of 2009 S 1212 - Credit Card Fair Fee Act of 2009 H.R. 2382 - Credit Card Interchange Fees Act of 2009 Issues related to Overdraft Programs H.R. 1456 - Consumer Overdraft Protection Fair Practices Act S 1799 - Fairness and Accountability in Receiving Overdraft Coverage Act of 2009 H.R. 1487 - Overdraft Fee Notification Act Other H.R. 1105 - Fiscal 2009 Omnibus Appropriations H.R. 2309 - Consumer Credit and Debt Collection Act H.R. 2221 - Data Accountabiliy and Trust Act H.R. 1479 - Community Reinvestment Modernization Act of 2009 H.R. 1105 - Omnibus Appropriations Act of 2009 H.R. 1214- Payday Loan Reform Act lof 2009

Issues regarding commercial credit providers, including: S. 585, S. 582, S. 566, S. 500, S. 414, S. 399, S. 392, S. 257, S. 255, S. 235, S. 165, S. 131, H.R. 1882, H.R. 1846, H.R. 1705, H.R. 1640, H.R. 1637, H.R. 1608, H.R. 1479, H.R. 1456, H.R. 1365, H.R. 1325, H.R. 1214, H.R. 627. Issues related to proposed Consumer Financial Protection Agency.

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

Issues related to commercial credit providers, including: S. 585, S. 582, S. 566, S. 500, S. 414, S. 399, S. 392, S. 257, S. 255, S. 235, S. 165, S. 131, H.R. 1882, H.R. 1846, H.R. 1705, H.R. 1640, H.R. 1637, H.R. 1608, H.R. 1479, H.R. 1456, H.R. 1365, H.R. 1325, H.R. 1214, H.R. 627. Issues related to proposed new Consumer Financial Protection Agency.

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

Issues related to mortgage lending including bankruptcy issues which includes the following legislation: H.R. 1106 - Helping Families Save Their Homes Act of 2009; S. 61 - Helping Families Save Thier Homes in Bankruptcy Act of 2009; H.R. 200 - Helping Families Save Their Homes Act of 2009; H.R. 1728 - Mortgage Reform and Anti-Predatory Lending Act Issues related to consumer deposit accounts and credit cards including interchange which includues the following legislation: H.R. 627 - Credit Cardholder Bill of Rights of 2009; S. 414 - Credit Card Accountability, Responsibility and Disclosure Act of 2009; S. 392- Credit Card Reform Act of 2009; S. 235 - Credit Cardholder Bill of Rights of 2009; S. 500 - Protecting Consumers from Unreasonable Credit Rates Act; S. 257 - Consumer Credit Fairness Act; H.R. 1610 - Interest Rate Equity (RE) Act; H.R. 1365 - [No short title] - bill that requires businesses that offer credit cards to post signs with disclosures; H.R. 1637 - Universal Default Prohibition Act of 2009; S. 399 - Universal Default Prohibition Act of 2009; S. 165 - Student Credit Card Protection Act of 2009. Issues related to arbitration provisions in consumer contracts which includes the following legislation: H.R. 1020 - Arbitration Fairness Act; H.R. 1237 - Fairness in Nursing Home Arbitration Act; S. 512 - Fairness in Arbitration Act; H.R. 991 - Consumer Fairness Act; H.R. 1214 - Payday Loan Reform Act of 2009; S. 263 - Servicemembers Access to Justice Act of 2009 Issues related to Student Lending - H.R. 3221 - Student Aid and Fiscal Responsibility Act of 2009 Issues related to regulatory reform - H.R. 3126 - Consumer Financial Protection Agency of 2009 Issues related to mortgage lending S 896 - Helping Families Save Their Homes Act of 2009 Issues related to Interchange H.R. 2695 - Credit Card Fair Fee Act of 2009 S 1212 - Credit Card Fair Fee Act of 2009 H.R. 2382 - Credit Card Interchange Fees Act of 2009 Issues related to Overdraft Programs H.R. 1456 - Consumer Overdraft Protection Fair Practices Act S 1799 - Fairness and Accountability in Receiving Overdraft Coverage Act of 2009 H.R. 1487 - Overdraft Fee Notification Act Other H.R. 1105 - Fiscal 2009 Omnibus Appropriations H.R. 2309 - Consumer Credit and Debt Collection Act H.R. 2221 - Data Accountabiliy and Trust Act H.R. 1479 - Community Reinvestment Modernization Act of 2009 H.R. 1105 - Omnibus Appropriations Act of 2009 H.R. 1214- Payday Loan Reform Act lof 2009

Issues related to mortgage lending including bankruptcy issues which includes the following legislation: H.R. 1106 - Helping Families Save Their Homes Act of 2009; S. 61 - Helping Families Save Thier Homes in Bankruptcy Act of 2009; H.R. 200 - Helping Families Save Their Homes Act of 2009; H.R. 1728 - Mortgage Reform and Anti-Predatory Lending Act Issues related to consumer deposit accounts and credit cards including interchange which includues the following legislation: H.R. 627 - Credit Cardholder Bill of Rights of 2009; S. 414 - Credit Card Accountability, Responsibility and Disclosure Act of 2009; S. 392- Credit Card Reform Act of 2009; S. 235 - Credit Cardholder Bill of Rights of 2009; S. 500 - Protecting Consumers from Unreasonable Credit Rates Act; S. 257 - Consumer Credit Fairness Act; H.R. 1610 - Interest Rate Equity (RE) Act; H.R. 1365 - [No short title] - bill that requires businesses that offer credit cards to post signs with disclosures; H.R. 1637 - Universal Default Prohibition Act of 2009; S. 399 - Universal Default Prohibition Act of 2009; S. 165 - Student Credit Card Protection Act of 2009; H.R. 1487 - Overdraft Fee Notification Act; H.R. 1456 - Overdraft Protection Fair Practices Act of 2009 Issues related to arbitration provisions in consumer contracts which includes the following legislation: H.R. 1020 - Arbitration Fairness Act; H.R. 1237 - Fairness in Nursing Home Arbitration Act; S. 512 - Fairness in Arbitration Act; H.R. 991 - Consumer Fairness Act; H.R. 1214 - Payday Loan Reform Act of 2009; S. 263 - Servicemembers Access to Justice Act of 2009 Issues related to Student Lending - HR 3221 - Student Aid and Fiscal Responsibility Act of 2009 Issues related to regulatory reform - HR 3126 - Consumer Financial Protection Agency of 2009 Issues related to mortgage lending S 896 - Helping Families Save Their Homes Act of 2009 Issues related to Interchange HR 2695 - Credit Card Fair Fee Act of 2009 S 1212 - Credit Card Fair Fee Act of 2009 HR 2382 - Credit Card Interchange Fees Act of 2009 Other HR 1105 - Fiscal 2009 Omnibus Appropriations HR 2309 - Consumer Credit and Debt Collection Act HR 2221 - Data Accountabiliy and Trust Act H.R. 1479 - Community Reinvestment Modernization Act of 2009 H.R. 1105 - Omnibus Appropriations Act of 2009 H.R. 1214- Payday Loan Reform Act lof 2009

HR 977 Credit card Holders Bill of Rights Act of 2009 S 414, "Credit Card Accountability Responsibility and Disclosure Act of 2009" S 165, "Student Credit Card Protection Act of 2009 S 392, "Credit Card Reform Act of 2009 HR 200, "Helping People Save Their Homes in Bankruptcy Act of 2009" HR 1106, "Helping People Save Their Homes in Bankruptcy Act of 2009" HR 225, "Emergency Homeownership and Equity Protection Act" HR 977, "Derivatives Markets Transparency Act of 2009" S 272, "Derivatives Trading Integrity Act"

Client expense: $1,050,000 · Firm income: Not reported

Government targets: Federal Deposit Insurance Corporation (FDIC), HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

Issues regarding commercial credit providers, including: S. 585, S. 582, S. 566, S. 500, S. 414, S. 399, S. 392, S. 257, S. 255, S. 235, S. 165, S. 131, H.R. 1882, H.R. 1846, H.R. 1705, H.R. 1640, H.R. 1637, H.R. 1608, H.R. 1479, H.R. 1456, H.R. 1365, H.R. 1325, H.R. 1214, H.R. 627. Issues related to proposed Consumer Financial Protection Agency.

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

Issues related to commercial credit providers, including: S. 585, S. 582, S. 566, S. 500, S. 414, S. 399, S. 392, S. 257, S. 255, S. 235, S. 165, S. 131, H.R. 1882, H.R. 1846, H.R. 1705, H.R. 1640, H.R. 1637, H.R. 1608, H.R. 1479, H.R. 1456, H.R. 1365, H.R. 1325, H.R. 1214, H.R. 627. Issues related to proposed new Consumer Financial Protection Agency.

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

Issues related to mortgage lending including bankruptcy issues which includes the following legislation: H.R. 1106 - Helping Families Save Their Homes Act of 2009; S. 61 - Helping Families Save Thier Homes in Bankruptcy Act of 2009; H.R. 200 - Helping Families Save Their Homes Act of 2009; H.R. 1728 - Mortgage Reform and Anti-Predatory Lending Act Issues related to consumer deposit accounts and credit cards including interchange which includues the following legislation: H.R. 627 - Credit Cardholder Bill of Rights of 2009; S. 414 - Credit Card Accountability, Responsibility and Disclosure Act of 2009; S. 392- Credit Card Reform Act of 2009; S. 235 - Credit Cardholder Bill of Rights of 2009; S. 500 - Protecting Consumers from Unreasonable Credit Rates Act; S. 257 - Consumer Credit Fairness Act; H.R. 1610 - Interest Rate Equity (RE) Act; H.R. 1365 - [No short title] - bill that requires businesses that offer credit cards to post signs with disclosures; H.R. 1637 - Universal Default Prohibition Act of 2009; S. 399 - Universal Default Prohibition Act of 2009; S. 165 - Student Credit Card Protection Act of 2009. Issues related to arbitration provisions in consumer contracts which includes the following legislation: H.R. 1020 - Arbitration Fairness Act; H.R. 1237 - Fairness in Nursing Home Arbitration Act; S. 512 - Fairness in Arbitration Act; H.R. 991 - Consumer Fairness Act; H.R. 1214 - Payday Loan Reform Act of 2009; S. 263 - Servicemembers Access to Justice Act of 2009 Issues related to Student Lending - H.R. 3221 - Student Aid and Fiscal Responsibility Act of 2009 Issues related to regulatory reform - H.R. 3126 - Consumer Financial Protection Agency of 2009 Issues related to mortgage lending S 896 - Helping Families Save Their Homes Act of 2009 Issues related to Interchange H.R. 2695 - Credit Card Fair Fee Act of 2009 S 1212 - Credit Card Fair Fee Act of 2009 H.R. 2382 - Credit Card Interchange Fees Act of 2009 Issues related to Overdraft Programs H.R. 1456 - Consumer Overdraft Protection Fair Practices Act S 1799 - Fairness and Accountability in Receiving Overdraft Coverage Act of 2009 H.R. 1487 - Overdraft Fee Notification Act Other H.R. 1105 - Fiscal 2009 Omnibus Appropriations H.R. 2309 - Consumer Credit and Debt Collection Act H.R. 2221 - Data Accountabiliy and Trust Act H.R. 1479 - Community Reinvestment Modernization Act of 2009 H.R. 1105 - Omnibus Appropriations Act of 2009 H.R. 1214- Payday Loan Reform Act lof 2009

PL 111-24, "Credit Cardholders Bill of Rights" S 414, "Credit Card Accountability Responsibility and Disclosure Act of 2009" S 165, "Student Credit Card Protection Act of 2009" S 392, "Credit Card Reform Act of 2009" HR 200, "Helping People Save Their Homes in Bankruptcy Act of 2009" HR 1106, "Helping People Save Their Homes in Bankruptcy Act of 2009" HR 225, "Emergency Homeownership and Equity Protection Act" HR 977, "Derivatives Markets Transparency Act of 2009" S 272, "Derivatives Trading Integrity Act"

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

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

Issues regarding commercial credit providers, including: S. 585, S. 582, S. 566, S. 500, S. 414, S. 399, S. 392, S. 257, S. 255, S. 235, S. 165, S. 131, H.R. 1882, H.R. 1846, H.R. 1705, H.R. 1640, H.R. 1637, H.R. 1608, H.R. 1479, H.R. 1456, H.R. 1365, H.R. 1325, H.R. 1214, H.R. 627. Issues related to proposed Consumer Financial Protection Agency.

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

Issues related to commercial credit providers, including: S. 585, S. 582, S. 566, S. 500, S. 414, S. 399, S. 392, S. 257, S. 255, S. 235, S. 165, S. 131, H.R. 1882, H.R. 1846, H.R. 1705, H.R. 1640, H.R. 1637, H.R. 1608, H.R. 1479, H.R. 1456, H.R. 1365, H.R. 1325, H.R. 1214, H.R. 627. Issues related to proposed new Consumer Financial Protection Agency.

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

All legislation that relates to credit cards and student marketing, including: Credit Cardholders Bill of Rights Act of 2009 (HR 627/ S 235) Student Credit Card Protection Act of 2009 (S 165) Empowering States' Rights to Protect Consumers Act of 2009 (S 255) Consumer Credit Fairness Act (S 257) Credit Card Reform Act

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

All legislation that relates to credit cards and student lending, including: Credit Cardholders Bill of Rights Act of 2009 (HR 627/ S 235) Student Credit Card protection Act of 2009 (S 165) Empowering States' Right to Protect Consumers Act of 2009 (S 255) Consumer Credit Fairness Act (S 257) Credit Card Reform Act of 2009 (S 392) Emergency Homeownership and Equity Protection Act (HR 225) Helping Families Save Their Homes in Bankruptcy Act of 2009 (S 61)

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to the regulation of consumer financial products, including S. 566 (the Financial Product Safety Commission Act) and H.R. 1705 (companion legislation to S. 566); Issues involving payment cards, interchange fees, and card issuer practices, including H.R. 2382 (the Credit Card Interchange Fees Act), H.R. 2695 (the Credit Card Fair Fee Act), S. 1212 (the Credit Card Fair Fee Act), S. 414 (the Credit Card Accountability Responsibility and Disclosure Act), H.R. 627 (the Credit Cardholders Bill of Rights Act), S. 325 (the Credit Cardholders Bill of Rights Act), S. 392 (the Credit Card Reform Act), S. 399 (the Universal Default Prohibition Act), H.R. 1456 (the Consumer Overdraft Protection Fair Practices Act), H.R. 1608 (the Protecting Consumers from Unreasonable Credit Rates Act) and S. 500 (companion legislation to H.R. 1608), H.R. 1610 (the Interest Rate Equity Act), H.R. 2007 (the American Credit Card Reform Act), S. 710 (the Fair Gift Card Act), S. 165 (the Student Credit Card Protection Act), S. 900 (the Credit Card Safety Star Act), and provisions in H.R. 3170 (the Financial Services and General Government Appropriations Act); Issues pertaining to data security, security breach notification, and mitigation of harm resulting from security breaches, including H.R. 2221 (the Data Accountability and Trust Act), S. 139 (the Data Breach Notification Act), and S. 1070 (a bill to establish the Small Business Information Security Task Force); Issues involving the bankruptcy code, including S. 257 (the Consumer Credit Fairness Act); Issues related to federal agency enforcement authority, including H.R. 2309 (the Consumer Credit and Debt Protection Act); and market access issues in global markets. Issues related to the use of payment cards in connection with the purchase of prescription medications over the Internet, including provisions in S. 525 (the Pharmaceutical Market Access and Drug Safety Act) and H.R. 1298 (companion legislation to S. 525); Issues related to the regulation of Internet gambling, including H.R. 2266 (the Reasonable Prudence in Regulation Act), H.R. 2267 (the Internet Gambling Regulation, Consumer Protection, and Enforcement Act), and H.R. 2268 (the Internet Gambling Regulation and Tax Enforcement Act);

H.R. 627/ P.L. 111-24 Credit Card Accountability Responsibility and Disclosure Act of 2009 - All provisions H.R. 238 Credit Card Interchange Fees Act of 2009 - All provisions H.R. 2695 Credit Card Fair Fee Act of 2009 - All provisions S. 165 Student Credit Card Protection Act of 2009 - All provisions S. 235 Credit Cardholders' Bill of Rights Act of 2009 - All provisions S. 392 Credit Card Reform Act - All provisions S. 414 Credit Card Accountability Responsibility and Disclosure Act - All provisions S. 1212 Credit Card Fair Fee Act of 2009 - All provisions General discussions with House and Senate regarding the expected Administration White Paper on Regulatory Reform re: the proposal for a systemic risk regulator and a resolution authority for systemically significant institutions. Met with House and Senate on credit card issues.

Client expense: $1,670,000 · Firm income: Not reported

PL 111-24, "Credit Cardholders Bill of Rights" S 414, "Credit Card Accountability Responsibility and Disclosure Act of 2009" S 165, "Student Credit Card Protection Act of 2009" S 392, "Credit Card Reform Act of 2009" HR 200, "Helping People Save Their Homes in Bankruptcy Act of 2009" HR 1106, "Helping People Save Their Homes in Bankruptcy Act of 2009" HR 225, "Emergency Homeownership and Equity Protection Act" HR 977, "Derivatives Markets Transparency Act of 2009" S 272, "Derivatives Trading Integrity Act"

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

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

HR 977 Credit card Holders Bill of Rights Act of 2009 S 414, "Credit Card Accountability Responsibility and Disclosure Act of 2009" S 165, "Student Credit Card Protection Act of 2009 S 392, "Credit Card Reform Act of 2009 HR 200, "Helping People Save Their Homes in Bankruptcy Act of 2009" HR 1106, "Helping People Save Their Homes in Bankruptcy Act of 2009" HR 225, "Emergency Homeownership and Equity Protection Act" HR 977, "Derivatives Markets Transparency Act of 2009" S 272, "Derivatives Trading Integrity Act"

Client expense: $1,040,791 · Firm income: Not reported

Government targets: Federal Deposit Insurance Corporation (FDIC), HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

Issues related to mortgage lending including bankruptcy issues which includes the following legislation: H.R. 1106 - Helping Families Save Their Homes Act of 2009; S. 61 - Helping Families Save Thier Homes in Bankruptcy Act of 2009; H.R. 200 - Helping Families Save Their Homes Act of 2009; H.R. 1728 - Mortgage Reform and Anti-Predatory Lending Act Issues related to consumer deposit accounts and credit cards including interchange which includues the following legislation: H.R. 627 - Credit Cardholder Bill of Rights of 2009; S. 414 - Credit Card Accountability, Responsibility and Disclosure Act of 2009; S. 392- Credit Card Reform Act of 2009; S. 235 - Credit Cardholder Bill of Rights of 2009; S. 500 - Protecting Consumers from Unreasonable Credit Rates Act; S. 257 - Consumer Credit Fairness Act; H.R. 1610 - Interest Rate Equity (RE) Act; H.R. 1365 - [No short title] - bill that requires businesses that offer credit cards to post signs with disclosures; H.R. 1637 - Universal Default Prohibition Act of 2009; S. 399 - Universal Default Prohibition Act of 2009; S. 165 - Student Credit Card Protection Act of 2009; H.R. 1487 - Overdraft Fee Notification Act; H.R. 1456 - Overdraft Protection Fair Practices Act of 2009 Issues related to arbitration provisions in consumer contracts which includes the following legislation: H.R. 1020 - Arbitration Fairness Act; H.R. 1237 - Fairness in Nursing Home Arbitration Act; S. 512 - Fairness in Arbitration Act; H.R. 991 - Consumer Fairness Act; H.R. 1214 - Payday Loan Reform Act of 2009; S. 263 - Servicemembers Access to Justice Act of 2009 Issues related to Student Lending - HR 3221 - Student Aid and Fiscal Responsibility Act of 2009 Issues related to regulatory reform - HR 3126 - Consumer Financial Protection Agency of 2009 Issues related to mortgage lending S 896 - Helping Families Save Their Homes Act of 2009 Issues related to Interchange HR 2695 - Credit Card Fair Fee Act of 2009 S 1212 - Credit Card Fair Fee Act of 2009 HR 2382 - Credit Card Interchange Fees Act of 2009 Other HR 1105 - Fiscal 2009 Omnibus Appropriations HR 2309 - Consumer Credit and Debt Collection Act HR 2221 - Data Accountabiliy and Trust Act H.R. 1479 - Community Reinvestment Modernization Act of 2009 H.R. 1105 - Omnibus Appropriations Act of 2009 H.R. 1214- Payday Loan Reform Act lof 2009

Issues involving payment cards, interchange fees, and card issuer practices, including H.R. 2382 (the Credit Card Interchange Fees Act), H.R. 2695 (the Credit Card Fair Fee Act), S. 1212 (the Credit Card Fair Fee Act), S. 414 (the Credit Card Accountability Responsibility and Disclosure Act), H.R. 627 (the Credit Cardholders Bill of Rights Act), S. 325 (the Credit Cardholders Bill of Rights Act), S. 392 (the Credit Card Reform Act), S. 399 (the Universal Default Prohibition Act), H.R. 1456 (the Consumer Overdraft Protection Fair Practices Act), H.R. 1608 (the Protecting Consumers from Unreasonable Credit Rates Act) and S. 500 (companion legislation to H.R. 1608), H.R. 1610 (the Interest Rate Equity Act), H.R. 2007 (the American Credit Card Reform Act), S. 710 (the Fair Gift Card Act), S. 165 (the Student Credit Card Protection Act), S. 900 (the Credit Card Safety Star Act), and provisions in H.R. 3170 (the Financial Services and General Government Appropriations Act); issues involving the bankruptcy code, including S. 257 (the Consumer Credit Fairness Act); issues related to the regulation of consumer financial products, including S. 566 (the Financial Product Safety Commission Act) and H.R. 1705 (companion legislation to S. 566); issues pertaining to data security, security breach notification, and mitigation of harm resulting from security breaches, including H.R. 2221 (the Data Accountability and Trust Act), S. 139 (the Data Breach Notification Act), and S. 1070 (a bill to establish the Small Business Information Security Task Force); issues related to the use of payment cards in connection with the purchase of prescription medications over the Internet, including provisions in S. 525 (the Pharmaceutical Market Access and Drug Safety Act) and H.R. 1298 (companion legislation to S. 525); issues related to the regulation of Internet gambling, including H.R. 2266 (the Reasonable Prudence in Regulation Act), H.R. 2267 (the Internet Gambling Regulation, Consumer Protection, and Enforcement Act), and H.R. 2268 (the Internet Gambling Regulation and Tax Enforcement Act); issues related to federal agency enforcement authority, including H.R. 2309 (the Consumer Credit and Debt Protection Act); and market access issues in global markets.

Credit Cardholders Bill of Rights Act of 2009 (HR 627/ S 235) Student Credit Card Protection Act of 2009 (S 165) Empowering States' Rights to Protect Consumers Act of 2009 (S255) Consumer Credit Fairness Act (S257) Credit Card Reform Act of 2009 (S392) Emergency Homeownership and Equity Protection Act (HR225) Helping Families Save Their Homes in Bankruptcy Act of 2009 (S61)

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to passage of the American Recovery and Reinvestment Act (H.R.1). Issues related to commercial credit providers, including: S. 585, S. 582, S. 566, S. 500, S. 414, S. 399, S. 392, S. 257, S. 255, S. 235, S. 165, S. 131, H.R. 1882, H.R. 1846, H.R. 1705, H.R. 1640, H.R. 1637, H.R. 1608, H.R. 1479, H.R. 1456, H.R. 1365, H.R. 1325, H.R. 1214, H.R. 627. Issues related to proposed new Consumer Financial Protection Agency.

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

Issues related to passage of the American Recovery and Reinvestment Act (H.R.1). Issues regarding commercial credit providers, including: S. 585, S. 582, S. 566, S. 500, S. 414, S. 399, S. 392, S. 257, S. 255, S. 235, S. 165, S. 131, H.R. 1882, H.R. 1846, H.R. 1705, H.R. 1640, H.R. 1637, H.R. 1608, H.R. 1479, H.R. 1456, H.R. 1365, H.R. 1325, H.R. 1214, H.R. 627. Issues related to proposed Consumer Financial Protection Agency and credit cardholders bill of rights.

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

Issues involving interchange fees and card issuer practices, including provisions in S. 414 (the Credit Card Accountability Responsibility and Disclosure Act), H.R. 627 (the Credit Cardholders Bill of Rights Act), S. 325 (the Credit Cardholders Bill of Rights Act), S. 392 (the Credit Card Reform Act), S. 399 (the Universal Default Prohibition Act), H.R. 1456 (the Consumer Overdraft Protection Fair Practices Act), S. 710 (the Fair Gift Card Act), and S. 165 (the Student Credit Card Protection Act). Issues pertaining to regulations issued pursuant to section 626 of H.R. 1105 (the Omnibus Appropriations Act) regarding enforcement authority; issues related to the regulation of consumer financial products, including S. 566 (the Financial Product Safety Commission Act), and H.R. 1705 (companion legislation to S. 566). Issues pertaining to data security, security breach notification, and mitigation of harm resulting from security breaches, including provisions in S. 139 (the Data Breach Notification Act). Issues related to implementation of the withholding requirements under section 3402(t) of the Internal Revenue Code (Code), including H.R. 275 (a bill to repeal section 3402(t) of the Code) and section 1511 of H.R. 1 (the American Recovery and Reinvestment Act). Issues related to the use of payment cards in connection with the purchase of prescription medications over the Internet, including provisions in S. 525 (the Pharmaceutical Market Access and Drug Safety Act) and H.R. 1298 (companion legislation to S. 525). Issues related to market access in global markets.

Client expense: $620,000 · Firm income: Not reported

HR 977 Credit card Holders Bill of Rights Act of 2009 S 414, "Credit Card Accountability Responsibility and Disclosure Act of 2009" S 165, "Student Credit Card Protection Act of 2009 S 392, "Credit Card Reform Act of 2009 HR 200, "Helping People Save Their Homes in Bankruptcy Act of 2009" HR 1106, "Helping People Save Their Homes in Bankruptcy Act of 2009" HR 225, "Emergency Homeownership and Equity Protection Act" HR 977, "Derivatives Markets Transparency Act of 2009" S 272, "Derivatives Trading Integrity Act"

Client expense: $1,130,916 · Firm income: Not reported

Government targets: Federal Deposit Insurance Corporation (FDIC), HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

HR 1 The American Recovery and Reinvestment Act of 2009 HR 384 TARP Reform and Accountability Act of 2009 (sections 101, 102, & 105) HR 387 TARP Accountability Act of 2009 HR 627 Credit Cardholders' Bill of Rights Act of 2009 HR 703 Bank Liquidity/Deposit Insurance Legislation HR 786 Permanent Increase in Deposit Insurance HR 1106 Helping Families Save Their Homes Act of 2009 HR 1455 Financial Consumer Hotline Act of 2009 HR 1456 Consumer Overdraft Protection Fair Practices Act HR 1586 To Impose an Additional Tax on Bonuses Received from Certain TARP Recipients HR 1664 To Amend Executive Compensation Provision of EESA of 2008 HR 1728 Mortgage Reform and Anti-Predatory Lending Act HR 1754 Financial System Stabilization and Reform Act of 2009 S. 131 Credit Card Minimum Payment Notification Act of 2009 S. 165 Student Credit Card Protection Act of 2009 S. 235 Credit Cardholders' Bill of Rights Act of 2009 S. 383 Special Inspector General for the TARP Act S. 392 Credit Card Reform Act of 2009 S. 414 Credit Card Accountability Responsibility and Disclosure Act S. 541 Depositor Protection Act of 2009 S. 664 Financial System Stabilization and Reform Act of 2009 Bank Capital Rules Bank Examinations Community Bank Involvement with the TARP (access and terms of participation) Credit Availability for Farmers Credit Card/Debit Card Interchange Fees Credit Card Protections and Disclosures Credit Union Business Lending Powers Deposit Concentration Cap Deposit Insurance Assessment Base Deposit Insurance Coverage Limits Deposit Insurance Premiums and Special FDIC Assessment FHA Housing Flood Insurance Foreclosure Mitigation Implementation of Secure and Fair Enforcement for Mortgage Licensing Act of 2008 Legacy Loans Program Mutual Term Sheet for Community Banks under TARP Capital Purchase Program Overdraft Protection Programs Real Estate Settlement Procedures Act Regulation Regulatory Relief for Community Banks Regulatory Restructuring Systemic Risk and Too-Big-To-Fail Regulation TARP Funding, Oversight and Implementation

Issues related to mortgage lending including bankruptcy issues which includes the following legislation: H.R. 1106 - Helping Families Save Their Homes Act of 2009; S. 61 - Helping Families Save Thier Homes in Bankruptcy Act of 2009; H.R. 200 - Helping Families Save Their Homes Act of 2009; H.R. 1728 - Mortgage Reform and Anti-Predatory Lending Act Issues related to consumer deposit accounts and credit cards including interchange which includues the following legislation: H.R. 627 - Credit Cardholder Bill of Rights of 2009; S. 414 - Credit Card Accountability, Responsibility and Disclosure Act of 2009; S. 392- Credit Card Reform Act of 2009; S. 235 - Credit Cardholder Bill of Rights of 2009; S. 500 - Protecting Consumers from Unreasonable Credit Rates Act; S. 257 - Consumer Credit Fairness Act; H.R. 1610 - Interest Rate Equity (RE) Act; H.R. 1365 - [No short title] - bill that requires businesses that offer credit cards to post signs with disclosures; H.R. 1637 - Universal Default Prohibition Act of 2009; S. 399 - Universal Default Prohibition Act of 2009; S. 165 - Student Credit Card Protection Act of 2009; H.R. 1487 - Overdraft Fee Notification Act; H.R. 1456 - Overdraft Protection Fair Practices Act of 2009 Issues related to arbitration provisions in consumer contracts which includes the following legislation: H.R. 1020 - Arbitration Fairness Act; H.R. 1237 - Fairness in Nursing Home Arbitration Act; S. 512 - Fairness in Arbitration Act; H.R. 991 - Consumer Fairness Act; H.R. 1214 - Payday Loan Reform Act of 2009; S. 263 - Servicemembers Access to Justice Act of 2009 All other legislation which includes the following: H.R. 1479 - Community Reinvestment Modernization Act of 2009; H.R. 1105 - Omnibus Appropriations Act of 2009; H.R. 1214- Payday Loan Reform Act lof 2009

Client expense: $310,000 · Firm income: Not reported

Credit Cardholders Bill of Rights Act of 2009 (HR 627) Student Credit Card Protection Act of 2009 (S 165) Credit Cardholders' Bill of Rights Act of 2009 (S 235) Empowering States' Right To Protect Consumers Act of 2009 (S 255) Consumer Credit Fairness Act (S 257) Credit Card Reform Act of 2009 (S 392) Helping Families Save Their Homes in Bankruptcy Act of 2009 (HR 200) Emergency Homeownership and Equity Protection Act (HR 225) Helping Families Save Their Homes in Bankruptcy Act of 2009 (S 61)

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues involving interchange fees and card issuer practices, including provisions in S. 414 (the Credit Card Accountability Responsibility and Disclosure Act), H.R. 627 (the Credit Cardholders Bill of Rights Act), S. 325 (the Credit Cardholders Bill of Rights Act), S. 392 (the Credit Card Reform Act), S. 399 (the Universal Default Prohibition Act), H.R. 1456 (the Consumer Overdraft Protection Fair Practices Act), S. 710 (the Fair Gift Card Act); S. 165 (the Student Credit Card Protection Act); issues pertaining to regulations issued pursuant to section 626 of H.R. 1105 (the Omnibus Appropriations Act) regarding enforcement authority; issues related to the regulation of consumer financial products, including S. 566 (the Financial Product Safety Commission Act) and H.R. 1705 (companion legislation to S. 566); issues pertaining to data security, security breach notification, and mitigation of harm resulting from security breaches, including provisions in S. 139 (the Data Breach Notification Act); issues related to implementation of the withholding requirements under section 3402(t) of the Internal Revenue Code (Code), including H.R. 275 (a bill to repeal section 3402(t) of the Code) and section 1511 of H.R. 1 (the American Recovery and Reinvestment Act); issues related to the use of payment cards in connection with the purchase of prescription medications over the Internet, including provisions in S. 525 (the Pharmaceutical Market Access and Drug Safety Act) and H.R. 1298 (companion legislation to S. 525); and market access issues in global markets.

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

Monitor creditor issues related to passage of the American Recovery and Reinvestment Act (H.R.1). Advocate on issues and legislation regarding commercial credit providers, including: S. 585, S. 582, S. 566, S. 500, S. 414, S. 399, S. 392, S. 257, S. 255, S. 235, S. 165, S. 131, H.R. 1882, H.R. 1846, H.R. 1705, H.R. 1640, H.R. 1637, H.R. 1608, H.R. 1479, H.R. 1456, H.R. 1365, H.R. 1325, H.R. 1214, H.R. 627.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to passage of the American Recovery and Reinvestment Act (H.R.1). Issues regarding commercial credit providers, including: S. 585, S. 582, S. 566, S. 500, S. 414, S. 399, S. 392, S. 257, S. 255, S. 235, S. 165, S. 131, H.R. 1882, H.R. 1846, H.R. 1705, H.R. 1640, H.R. 1637, H.R. 1608, H.R. 1479, H.R. 1456, H.R. 1365, H.R. 1325, H.R. 1214, H.R. 627.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE