Credit Card Rate Freeze Act of 2009

Monitored and reviewed the implementation of the Credit Card legislation and related amendments including H.R. 3639 to expedite implementation of the new credit card regulations, as well as reviewed the new regulations, and S. 1927 limiting credit card interest rate increases.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Vice President of the U.S., White House Office

Credit card, interchanges fees and practices GSE Reform Govt Purchase Card S.Credit Card Fair Fee Act Regulatory Restructuring; FDIC Assessments; S. 73, a bill to establish a systematic mortgage modification program at the FDIC; S. 895, a bill which included a provision known as "cram-down" of primary mortgages; H.R. 37, a bill to establish a systematic mortgage modification program at the FDIC; H.R. 627, Credit Cardholders' Bill of Rights Act of 2009; H.R. 1106, prevent mortgage foreclosures and enhance mortgage credit availability; H.R. 2309, The Consumer Credit and Debt Protection Act of 2009; H.R. 2382, Credit Card Interchange Fees Act of 2009; H.R. 2897, Bank Accountability and Risk Assessment Act of 2009; H.R. 3126, Consumer Financial Protection Agency Act of 2009; H.R. 3269, Corporate and Financial Institution Compensation Fairness Act of 2009; S. 1074, Shareholder Bill of Rights Act of 2009; H.R. 4173, to provide for financial regulatory reform, to protect consumers and investors, to enhance Federal understanding of insurance issues, to regulate the over-the-counter derivatives markets, and for other purposes; H.R.5038, Fair Access to Credit and Job Creation Act of 2010; H.R.5159, Safe, Accountable, Fair, and Efficient Banking Act of 2010; H.R.5502, To amend the effective date of the gift card provisions of the Credit Card Accountability Responsibility and Disclosure Act of 2009; H.AMDT.697 to H.R.5297small banks to amortize losses on commercial real estate loans over a 10-year period, freeing up more capital for these small institutions to lend to small businesses; H.R. 3639 and S. 1833, the Expedited CARD Reform for Consumers Act; S. 1927, Credit Card Rate Freeze Act of 2009; S. 1799, The Fairness and Accountability in Receiving Overdraft Coverage Act; H.R. 2221, Data Accountability and Trust Act; H.R. 5297, Small Business Jobs and Credit Act H.R. 5680, Predatory Lending Sunset Act H.R. 6225, Permanent End to TARP Act

Client expense: $1,400,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Council of Economic Advisers (CEA), Environmental Protection Agency (EPA), Farm Credit Administration, Federal Accounting Standards Advisory Board (FASAB), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Justice, Dept of (DOJ), Natl Economic Council (NEC), Office of Management & Budget (OMB), Office of Personnel Management (OPM), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), Patent & Trademark Office (PTO), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Copyright Office, U.S. Trade Representative (USTR), White House Office

Issues related to credit cards: H.R. 3639 - Expedited CARD Reform for Consumer Act; S 1833 - Expedited CARD Reform for Consumer Act; S 1927 - Retroactive Rate Increase Moratorium Issues related to Small Business - S 2869 - Small Business Job Creation and Access to Capital Act of 2009 H.R. 3854 - Small Business Financing and Investing Act of 2009 H.R. 5297 - Small Business Lending Fund Act of 2010 H.R. 2919 - Small Business Lending Enhancement Act of 2009 S 3765 - Small Business Job Preservation Act of 2010 Issues related to Student Lending - S 1541 - Student Aid and Fiscal Responsibility Act of 2009 S 3219 - Fairness For Struggling Students Act of 2010 H.R. 5055 College Debt Swap Act of 2010 H.R. 4173 - Dodd-Frank Wall Street Reform and Consumer Protection Act H.R. 5043 - Private Student Loan Bankrupcy Fairness Act of 2010 H.R. 4677 - Protecting Employees and Retirees in Business Bankrupcies Act of 2010 Issues related to Regulatory Reform - H.R. 3126 - Consumer Financial Protection Agency of 2009 H.R. 4173 - Wall Street Reform & Consumer Protection Act of 2009 Issues related to Mortgage Lending - H.R. 4173 - Dodd-Frank Wall Street Reform and Consumer Protection Act H.R. 4600 - Secure and Fair Enforcement for Mortgage Licensing Act 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 H.R. 4173 - Dodd-Frank Wall Street Reform and Consumer Protection Act 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 H.R. 3904 - Overdraft Protection Act of 2009 Issues related to Data Security - H.R. 2221 - Data Accountabiliy and Trust Act S 1490 - Personal Data Privacy and Security Act of 2009 S 139 - Data Breach Notification Bill S 3579 - Data Security Act of 2010 S 3840 - Protecting Cyber Space as a National Asset Act of 2010 Issues related to Community Reinvestment - H.R. 6334 - American Community Investment Act of 2010 Issues related to Telecommunication - H.R. 1526 - Telephone Consumer Protection Act

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

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

Issues regarding antitrust legislation relating to interchange. Issues relating to the implementation of PL No: 111-24 "Credit Card Act of 2009," all provisions pertaining to interchange. Issues relating to proposals for financial industry regulatory restructuring. HR 3795 "Over-the-Counter Derivatives Markets Act of 2009," all provisions relating to interchange. HR 3126 "Consumer Financial Protection Agency Act of 2009," all provisions relating to interchange. HR 3639 / S 1833 "Expedited CARD Reform for Consumers Act of 2009," all provisions relating to interchange. HR 3959 / S 1927 "Credit Card Rate Freeze Act of 2009," all provisions relating to interchange. HR 3996 "Financial Stability Improvement Act of 2009," all provisions. HR 2695 "Credit Card Fair Fee Act of 2009," all provisions. HR 2382 "Credit Card Interchange Fees Act of 2009," all provisions. S 1212 "Credit Card Fair Fee Act of 2009," all provisions. HR 1105 "Omnibus Appropriations Act, 2009," all provisions relating to report language pertaining to fees paid by the federal government to accept payment cards contained in the Financial Services and General Government section of Senate Report 111-43. HR 2346 / S 1054 "Supplemental Appropriations Act, 2009," all provisions relating to report language pertaining to fees paid by the federal government to accept payment cards contained in the Financial Services and General Government section of Senate Report 111-43. HR 3170 / S 1432 "Financial Services and General Government Appropriations Act, 2010," all provisions relating to report language pertaining to fees paid by the federal government to accept payment cards contained in the Financial Services and General Government section of Senate Report 111-43. S 3217 / HR 4173 "Restoring American Financial Stability Act of 2010," Title XBureau of Consumer Financial Protection, all provisions relating to interchange.PL 111-203 Dodd-Frank Wall Street Reform and Consumer Protection Act, regarding implementation of the provisions in Title XBureau of Consumer Financial Protection relating to interchange. FY 2011 Appropriations Subcommittee on Financial Services and General Government Mark-Up Draft provisions pertaining to interchange. S 3677 Financial Services and General Government Appropriations Act, 2011, provisions pertaining to interchange. Senate Report 111-238-29-Jul10, provisions pertaining to interchange.

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

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of

Issues related to credit cards: H.R. 3639 - Expedited CARD Reform for Consumer Act; S 1833 - Expedited CARD Reform for Consumer Act; S 1927 - Retroactive Rate Increase Moratorium Issues related to Small Business - S 2869 - Small Business Job Creation and Access to Capital Act of 2009 H.R. 3854 - Small Business Financing and Investing Act of 2009 H.R. 5297 - Small Business Lending Fund Act of 2010 Issues related to Student Lending - H.R. 3221 - Student Aid and Fiscal Responsibility Act of 2009 S 1541 - Student Aid and Fiscal Responsibility Act of 2009 H.R. 4103 - Ensuring Continued Access to Student Loan Act S 2796 - Ensuring Continued Access to Student Loan Act H.R. 4173 - Dodd-Frank Wall Street Reform and Consumer Protection Act Issues related to Regulatory Reform - H.R. 3126 - Consumer Financial Protection Agency of 2009 H.R. 4173 - Wall Street Reform & Consumer Protection Act of 2009 Issues related to Mortgage Lending S 896 - Helping Families Save Their Homes Act of 2009 H.R. 4173 - Dodd-Frank Wall Street Reform and Consumer Protection Act 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 H.R. 4173 - Dodd-Frank Wall Street Reform and Consumer Protection Act 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 H.R. 3904 - Overdraft Protection Act of 2009 Other H.R. 2309 - Consumer Credit and Debt Collection Act H.R. 2221 - Data Accountabiliy and Trust Act S 1490 - Personal Data Privacy and Security Act of 2009 S 139 - Data Breach Notification Bill H.R. 1479 - Community Reinvestment Modernization Act of 2009 H.R. 3306 - DOD Appropriations Act of 2009 Regulatory Reform S 3217 - Restoring American Financial Stability Act of 2010

Client expense: $400,000 · Firm income: Not reported

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

Monitored and reviewed the Credit Card legislation and related amendments including H.R. 3639 to expedite implementation of the new credit card regulations, as well as reviewed the new regulations, and S. 1927 limiting credit card interest rate increases.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HR 2989/S. 401: 401(k) Fair Disclosure & Pension Security Act HR 3890: Accountability and Transparency in Rating Agencies Act HR 3126: Consumer Financial Protection Agency Act of 2009 HR 3269: Corporate and Financial Institution Compensation Fairness Act HR 627/S. 235: Credit Card Bill of Rights; PL 111-24 HR 3606/3639/3763: Consumer Financial Protection Agency HR 2221: Data Accountability and Trust Act S. 139: Data Breach Notification Act S. 1006: Excessive Pay Shareholder Approval Act S. 1007: Excessive Pay Capped Deduction Act of 2009 HR 3959/S. 1927: Credit Card Freeze Act HR 3933: Foreigh Account Tax Compliance Act of 2009 HR 3795: Over the Counter Derivatives Market HR 3818: Private Fund Investment Advisers Registration Act HR 4173/S. 3217: Restoring American Financial Stability Act of 2010 S. 1074: Shareholder Bill of Rights Acts of 2009 HR 2861: Shareholder Empowerment Act of 2009 S 773: Cybersecurity Act of 2009 S 3579: Data Security Act of 2010 S 3155: International Cybercrime Reporting and Cooperation Act HR 5548/S 3480: Protecting Cyberspace as a National Asset Act of 2010

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

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

Credit card, interchanges fees and practices GSE Reform Govt Purchase Card S.Credit Card Fair Fee Act Regulatory Restructuring; FDIC Assessments; S. 73, a bill to establish a systematic mortgage modification program at the FDIC; S. 895, a bill which included a provision known as "cram-down" of primary mortgages; H.R. 37, a bill to establish a systematic mortgage modification program at the FDIC; H.R. 627, Credit Cardholders' Bill of Rights Act of 2009; H.R. 1106, prevent mortgage foreclosures and enhance mortgage credit availability; H.R. 2309, The Consumer Credit and Debt Protection Act of 2009; H.R. 2382, Credit Card Interchange Fees Act of 2009; H.R. 2897, Bank Accountability and Risk Assessment Act of 2009; H.R. 3126, Consumer Financial Protection Agency Act of 2009; H.R. 3269, Conporate and Financial Institution Compensation Fairness Act of 2009; S. 1074, Shareholder Bill of Rights Act of 2009; H.R. 4173, to provide for financial regulatory reform, to protect consumers and investors, to enhance Federal understanding of insurance issues, to regulate the over-the-counter derivatives markets, and for other purposes; H.R.5038, Fair Access to Credit and Job Creation Act of 2010; H.R.5159, Safe, Accountable, Fair, and Efficient Banking Act of 2010; H.R.5502, To amend the effective date of the gift card provisions of the Credit Card Accountability Responsibility and Disclosure Act of 2009; H.AMDT.697 to H.R.5297small banks to amortize losses on commercial real estate loans over a 10-year period, freeing up more capital for these small institutions to lend to small businesses; H.R. 3639 and S. 1833, the Expedited CARD Reform for Consumers Act; S. 1927, Credit Card Rate Freeze Act of 2009; S. 1799, The Fairness and Accountability in Receiving Overdraft Coverage Act; H.R. 2221, Data Accountability and Trust Act;

Client expense: $1,620,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Council of Economic Advisers (CEA), Environmental Protection Agency (EPA), Farm Credit Administration, Federal Accounting Standards Advisory Board (FASAB), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Justice, Dept of (DOJ), Natl Economic Council (NEC), Office of Management & Budget (OMB), Office of Personnel Management (OPM), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), Patent & Trademark Office (PTO), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Copyright Office, U.S. Trade Representative (USTR), White House Office

Issues regarding antitrust legislation relating to interchange. Issues relating to the implementation of PL No: 111-24 "Credit Card Act of 2009," all provisions pertaining to interchange. Issues relating to proposals for financial industry regulatory restructuring. HR 3795 "Over-the-Counter Derivatives Markets Act of 2009," all provisions relating to interchange. HR 3126 "Consumer Financial Protection Agency Act of 2009," all provisions relating to interchange. HR 3639 / S 1833 "Expedited CARD Reform for Consumers Act of 2009," all provisions relating to interchange. HR 3959 / S 1927 "Credit Card Rate Freeze Act of 2009," all provisions relating to interchange. HR 3996 "Financial Stability Improvement Act of 2009," all provisions. HR 2695 "Credit Card Fair Fee Act of 2009," all provisions. HR 2382 "Credit Card Interchange Fees Act of 2009," all provisions. S 1212 "Credit Card Fair Fee Act of 2009," all provisions. HR 1105 "Omnibus Appropriations Act, 2009," all provisions relating to report language pertaining to fees paid by the federal government to accept payment cards contained in the Financial Services and General Government section of Senate Report 111-43. HR 2346 / S 1054 "Supplemental Appropriations Act, 2009," all provisions relating to report language pertaining to fees paid by the federal government to accept payment cards contained in the Financial Services and General Government section of Senate Report 111-43. HR 3170 / S 1432 "Financial Services and General Government Appropriations Act, 2010," all provisions relating to report language pertaining to fees paid by the federal government to accept payment cards contained in the Financial Services and General Government section of Senate Report 111-43. S 3217 / HR 4173 "Restoring American Financial Stability Act of 2010," Title XBureau of Consumer Financial Protection, all provisions relating to interchange.

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

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of

Issues relating to the implementation of PL No: 111-24 "Credit Card Act of 2009," all provisions. Issues relating to proposals for financial industry regulatory restructuring. HR 3170 / S 1432 "Financial Services and General Government Appropriations Act, 2010," all provisions. HR 3126 "Consumer Financial Protection Agency Act of 2009," all provisions. HR 3639 / S 1833 "Expedited CARD Reform for Consumers Act of 2009," all provisions. HR 2609 "Federal Insurance Office Act of 2009," all provisions. HR 3996 "Financial Stability Improvement Act of 2009," all provisions. HR 3959 / S 1927 "Credit Card Rate Freeze Act of 2009," all provisions. HR 3457 "The Small Business Credit Card Act of 2009," all provisions. S 3217 / HR 4173 "Restoring American Financial Stability Act of 2010," provisions pertaining to Title XBureau of Consumer Financial Protection.

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

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of

H.R. 3126, Consumer Financial Protection Agency Act of 2009; S. 1212, Credit Card Fair Fee Act of 2009; H.R. 4173, Wall Street Reform and Consumer Protection Act of 2009; S. 1927, Credit Card Rate Freeze Act of 2009; S. 3217, Restoring American Financial Stability Act of 2010.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Monitored and reviewed the Credit Card legislation and related amendments including H.R. 3639 to expedite implementation of the new credit card regulations, as well as reviewed the new regulations, and S. 1927 limiting credit card interest rate increases.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 3126, Consumer Financial Protection Agency Act of 2009; S. 1927, Credit Card Rate Freeze Act of 2009; H.R. 4173, Wall Street Reform and Consumer Protection Act of 2009; S. 1212, Credit Card Fair Fee Act of 2009.

Client expense: Not reported · Firm income: Not reported

Government targets: SENATE

H.R.2382 - Credit Card Interchange Fees Act of 2009 - All provisions H.R.2695 - Credit Card Fair Fee Act of 2009 - All provisions H.R.3126 - Consumer Finance Protection Agency Act of 2009 - Preemption sections H.R.1242 - To emend the Emergency Economic Stabilization Act of 2008 to provide for additional monitoring and accountability of the Troubled Asset Relief Program - All provisions H.R.2454 - American Clean Energy and Security Act of 2009 - Provisions related to the Commodity Exchange Act and derivatives trading only H.R.2221 - Data Accountability and Trust Act - All provisions H.R.3977 - Credit Card Fee Limitation and Accountability Act - All provisions H.R.3959 - Credit Card Rate Freeze Act of 2009 - All provisions H.R.3996 - Financial Stability Improvement Act - All provisions H.R.4173 - Wall Street Reform and Consumer Protection Act - All provisions H.R.4300 - Restoring America's Commitment to Consumers Act - All provisions H.R.977 - Derivatives Markets Transparency and Accountability Act of 2009 - All provisions S.139 - Data Breach Notification Act - All provisions S.272 - Derivatives Trading Integrity Act of 2009 - All provisions S.1212 - Credit Card Fair Fee Act of 2009 - All provisions S.1490 - Personal Data Privacy and Security Act of 2009 - All provisions S.1691 - Comprehensive Derivatives Regulation Act of 2009 - All provisions S.1927 - Credit Card Rate Freeze Act of 2009 - All provisions S.3217 - The Restoring American Financial Stability Act of 2010 - All provisions Met with House and Senate on credit card issues, including implementation of the Credit Card Act of 2009. Met with House and Senate on issues related to credit derivatives and credit default swaps.

Client expense: $1,310,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Council of Economic Advisers (CEA), Executive Office of the President (EOP), Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Natl Economic Council (NEC), Natl Security Council (NSC), Office of Thrift Supervision (OTS), SENATE, Treasury, Dept of, U.S. Trade Representative (USTR), White House Office

Issues related to credit cards: H.R. 3639 - Expedited CARD Reform for Consumer Act; S 1833 - Expedited CARD Reform for Consumer Act; S 1927 - Retroactive Rate Increase Moratorium Issues related to Small Business - S 2869 - Small Business Job Creation and Access to Capital Act of 2009 H.R. 3854 - Small Business Financing and Investing Act of 2009 Issues related to Student Lending - H.R. 3221 - Student Aid and Fiscal Responsibility Act of 2009 S 1541 - Student Aid and Fiscal Responsibility Act of 2009 H.R. 4103 - Ensuring Continued Access to Student Loan Act S 2796 - Ensuring Continued Access to Student Loan Act Issues related to Regulatory Reform - H.R. 3126 - Consumer Financial Protection Agency of 2009 H.R. 4173 - Wall Street Reform & Consumer Protection Act 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 H.R. 3904 - Overdraft Protection Act of 2009 Other H.R. 2309 - Consumer Credit and Debt Collection Act H.R. 2221 - Data Accountabiliy and Trust Act S 1490 - Personal Data Privacy and Security Act of 2009 S 139 - Data Breach Notification Bill H.R. 1479 - Community Reinvestment Modernization Act of 2009 H.R. 3306 - DOD Appropriations Act of 2009 Regulatory Reform S 3217 - Restoring American Financial Stability Act of 2010

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

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

HR 1664 Grayson Himes Pay for Performance Act, regarding issues on executive compensation; HR 977 Derivatives Markets Transparency & Accountability Act, regarding credit default swaps; S 272 Derivatives Trading Integrity Act, regarding credit default swaps; HR 2454 American Clean Energy and Security Act / S 961 Authorizing the Regulation of Swaps Act / S 1691 Comprehensive Derivatives Regulation Act / Administration Proposal, regarding over the counter derivatives; HR 627 Credit Cardholders' Bill of Rights Act / HR 3639 Expedited CARD Reform for Consumers Act of 2009 / S 1927 / HR 3959 Credit Card Rate Freeze Act / HR 2382 Credit Card Interchange fees Act of 2009 / Federal Reserve Implementation Rules, regarding legislative and regulatory prohibition of credit card practices, implementation timeframes, interchange fees, and restrictions on small business credit cards; S 773 Cybersecurity Act of 2009, regarding creation of the National Cyber Security Advisor; General issues regarding proposed Sen. Schumer legislation on examination of debt settlement practices; HR 2897 Bank Accountability and Risk Assessment Act, regarding deposit insurance; HR 2896 Equal Treatment of Covered Bonds Act, regarding issues of treatment on covered bonds; General issues regarding lending and credit market activities, Gramm-Leach-Bliley Repeal, examination of debt settlement practices, fiduciary standards of investment, and BAC postal strategies; S 3098 PROP Trading Act, regarding Volcker Rule on proprietary trading; HR 384 TARP Reform and Accountability Act, regarding general issues on TARP oversight; HR 1105 / S Amdt. 638 Omnibus Appropriations Act, regarding issues involving Truth in Lending Act; HR 786 / S Amdt. 688 to make permanent the temporary increase in deposit insurance coverage, regarding FDIC insurance; HR 2695 Credit Card Fair Fee Act, regarding all sections of full text; S 1799 FAIR Overdraft Coverage Act, regarding legislative limitations of overdraft practices; HR 1474 Servicemembers Access to Justice Act and Sen. Dodd Draft, regarding financial regulatory reform; HR 1624 Amdt 201 / BKO proposed rule 3001 / Proposed TCPA regulation amendments, regarding legislative effort to enact restrictions on credit cards and other loans; General issues on regulatory restructuring; HR 4300 Restoring America's Commitment to Consumers Act, regarding legislative limitation of interest rates and fees on credit cards.

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

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

Public Law 111-24, the Credit CARD Act of 2009, provisions relating to credit card practices HR 3126, the Consumer Financial Protection Agency Act of 2009, provisions relating to consumer protection regulation Issues relating to merchant interchange fees Issues relating to Payment Card Industry Data Security Standards HR 2382, Credit Card Interchange Fee Act, provisions related to merchant interchange fees HR 2695, Credit Card Fair Fee Act, provisions related to merchant interchange fees S 1212, Credit Card Fair fee Act, provisions related to merchant interchange fees HR 2221, Data Accountability and Trust Act of 2009, provisions related to data security and consumer privacy HR 3639, the Expedited CARD Reform for Consumers Act of 2009 HR 3601, Credit CARD Effective Date Change Act, provisions accelerating the effective date of the Credit CARD Act HR 3457, Small Business Credit Card Act of 2009, issues relating to small business credit card practices HR 4173, the Wall Street Reform and Consumer Protection Act of 2009, issues relating to financial regulatory reform Senate version of financial regulatory reform, issues relating to systemic risk regulation and broader reform measures S 1927, the Credit Card Rate Freeze Act of 2009, provisions accelerating the effective date of the Credit CARD Act HR 4300, the Restoring America's Commitment to Consumers Act of 2009, issues relating to interest rate caps

Client expense: $890,000 · Firm income: Not reported

Government targets: Executive Office of the President (EOP), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Office of Thrift Supervision (OTS), SENATE, Treasury, Dept of, U.S. Postal Service (USPS), White House Office

Issues regarding antitrust legislation relating to interchange. Issues relating to the implementation of PL No: 111-24 "Credit Card Act of 2009," all provisions pertaining to interchange. Issues relating to proposals for financial industry regulatory restructuring. HR 4173 "The Wall Street Reform and Consumer Protection Act of 2009," all provisions relating to interchange. HR 3795 "Over-the-Counter Derivatives Markets Act of 2009," all provisions relating to interchange. HR 3126 "Consumer Financial Protection Agency Act of 2009," all provisions relating to interchange. HR 3639 / S 1833 "Expedited CARD Reform for Consumers Act of 2009," all provisions relating to interchange. HR 3959 / S 1927 "Credit Card Rate Freeze Act of 2009," all provisions relating to interchange. HR 3996 "Financial Stability Improvement Act of 2009," all provisions. HR 2695 "Credit Card Fair Fee Act of 2009," all provisions. HR 2382 "Credit Card Interchange Fees Act of 2009," all provisions. S 1212 "Credit Card Fair Fee Act of 2009," all provisions. HR 1105 "Omnibus Appropriations Act, 2009," all provisions relating to report language pertaining to fees paid by the federal government to accept payment cards contained in the Financial Services and General Government section of Senate Report 111-43. HR 2346 / S 1054 "Supplemental Appropriations Act, 2009," all provisions relating to report language pertaining to fees paid by the federal government to accept payment cards contained in the Financial Services and General Government section of Senate Report 111-43. HR 3170 / S 1432 "Financial Services and General Government Appropriations Act, 2010," all provisions relating to report language pertaining to fees paid by the federal government to accept payment cards contained in the Financial Services and General Government section of Senate Report 111-43. Issues pertaining to the potential for interchange provisions to appear in the "Restoring American Financial Stability Act of 2010," as reported by the Senate Banking Committee (to become S 3217), Title XBureau of Consumer Financial Protection.

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

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of

Issues relating to the implementation of PL No: 111-24 "Credit Card Act of 2009," all provisions. Issues relating to proposals for financial industry regulatory restructuring. HR 3170 / S 1432 "Financial Services and General Government Appropriations Act, 2010," all provisions. HR 4173 "The Wall Street Reform and Consumer Protection Act of 2009," all provisions. HR 3126 "Consumer Financial Protection Agency Act of 2009," all provisions. HR 3639 / S 1833 "Expedited CARD Reform for Consumers Act of 2009," all provisions. HR 2609 "Federal Insurance Office Act of 2009," all provisions. HR 3996 "Financial Stability Improvement Act of 2009," all provisions. HR 3959 / S 1927 "Credit Card Rate Freeze Act of 2009," all provisions. HR 3457 "The Small Business Credit Card Act of 2009," all provisions. "Restoring American Financial Stability Act of 2010," as reported by the Senate Banking Committee (to become S 3217), provisions pertaining to Title XBureau of Consumer Financial Protection.

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

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of

H.R. 3126, Consumer Financial Protection Agency Act of 2009; S. 1212, Credit Card Fair Fee Act of 2009; H.R. 4173, Wall Street Reform and Consumer Protection Act of 2009; S. 1927, Credit Card Rate Freeze Act of 2009.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

financial reform; S.____, Restoring Americas Financial Stability Act of 2010; H.R.2382, Credit Card Interchange Fees Act of 2009; H.R.2695, Credit Card Fair Fee Act of 2009; S.500, Protection Consumers From Unreasonable Credit Rates Act of 2009; S.1212, Credit Card Fair Fee Act of 2009; S.1927, Credit Card Rate Freeze Act of 2009

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

Government targets: SENATE

financial reform; S.____, Restoring Americas Financial Stability Act of 2010; H.R.2382, Credit Card Interchange Fees Act of 2009; H.R.2695, Credit Card Fair Fee Act of 2009; S.500, Protection Consumers From Unreasonable Credit Rates Act of 2009; S.1212, Credit Card Fair Fee Act of 2009; S.1927, Credit Card Rate Freeze Act of 2009

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

Government targets: SENATE

Restoring America's Financial Stability Act: Chairman's Mark (Dodd draft passed by Senate Banking Committee) S 1691 - Comprehensive Derivatives Regulation Act HR 2382 - Credit Card Interchange Fees Act of 2009 S 1927 - Credit Card Rate Freeze Act of 2009 Unlawful Internet Gambling Enforcement Act (UIGEA) and Regulation of GG rules

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

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, 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.

Client expense: $140,000 · Firm income: Not reported

Government targets: Federal Bureau of Investigation (FBI), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, White House Office

Issues related to credit cards: H.R. 3639 - Expedited CARD Reform for Consumer Act; S 1833 - Expedited CARD Reform for Consumer Act; S 1927 - Retroactive Rate Increase MoratoriumIssues related to Small Business - S 2869 - Small Business Job Creation and Access to Capital Act of 2009 H.R. 3854 - Small Business Financing and Investing Act of 2009 Issues related to Student Lending - H.R. 3221 - Student Aid and Fiscal Responsibility Act of 2009 S 1541 - Student Aid and Fiscal Responsibility Act of 2009 H.R. 4103 - Ensuring Continued Access to Student Loan Act S 2796 - Ensuring Continued Access to Student Loan Act Issues related to Regulatory Reform - H.R. 3126 - Consumer Financial Protection Agency of 2009 H.R. 4173 - Wall Street Reform & Consumer Protection Act of 2009 Issues related to Mortgage Lending S 896 - Helping Families Save Their Homes Act of 2009 H.R. 1728 - Mortgage Reform and Anti-Predatory Lending Act 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 H.R. 3904 - Overdraft Protection Act of 2009 Other H.R. 2309 - Consumer Credit and Debt Collection Act H.R. 2221 - Data Accountabiliy and Trust Act S 1490 - Personal Data Privacy and Security Act of 2009 S 139 - Data Breach Notification Bill H.R. 1479 - Community Reinvestment Modernization Act of 2009 H.R. 3306 - DOD Appropriations Act of 2009

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

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

S. 257, the Consumer Credit Fairness Act (all provisions) S. 414, the Credit Card Accountability Responsibility and Disclosure Act of 2009 (all provisions) S. 896, the Helping Families Save Their Homes Act of 2009 (all provisions, proposed amendment on farm loan restructuring) S. 1212, the Credit Card Fair Fee Act of 2009 (all provisions) Administration Proposal to Restructure Financial Services Regulation (all provisions) S. 1799, the Fairness and Accountability in Receiving Overdraft Coverage Act of 2009 (all provisions) S. 1822, the Bank On Our Communities Act of 2009 (all provisions) S. 1927, the Credit Card Rate Freeze Act of 2009 (all provisions) S. 2919, to amend the Federal Credit Union Act to advance the ability of credit unions to promote small business growth and economic development opportunities, and for other purposes (all provisions) H.R. 627, the Credit Cardholders' Bill of Rights Act of 2009 (all provisions) H.R. 1020, the Arbitration Fairness Act (provisions restricting arbitration clauses in contracts) H.R. 1479, the Community Reinvestment Modernization Act of 2009 H.R. 1728, the Mortgage Reform and Anti-Predatory Lending Act (all provisions) H.R. 2309, the Consumer Credit and Debt Protection Act (provisions to grant the FTC expedited rulemaking authority and authority to obtain civil penalties in connection with unfair and deceptive acts or practices) H.R. 2382, the Credit Card Interchange Fees Act of 2009 (all provisions) H.R. 2695, the Credit Card Fair Fee Act of 2009 (all provisions) H.R. 2893, Money Services Business Act of 2009 H.R. 2897, the Bank Accountability & Risk Assessment Act of 2009 (all provisions) H.R. 3221, the Student Aid and Fiscal Responsibility Act of 2009 (all provisions) H.R. 3380, the Promoting Lending to America's Small Businesses Act of 2009 (all provisions on credit unions business lending restrictions) H.R. 3639, the Expedited CARD Reform for Consumers Act of 2009 (all provisions) H.R. 3763, to amend the Fair Credit Reporting Act to provide for an exclusion from Red Flag Guidelines for certain businesses (all provisions) H.R. 3817, the Investor Protection Act (all provisions) H.R. 3818, the Private Fund Investment Advisers Registration Act of 2009 (all provisions) H.R. 3904, the Overdraft Protection Act (all provisions) Consumer Financial Protection Agency Act of 2009 H.R. 4173, the Wall Street Reform and Consumer Protection Act of 2009 (all provisions) Treasury Department Draft Legislation on Credit Default Swaps and Other Over-The-Counter Derivatives (all provisions) The Over-the Counter Derivatives Markets Act of 2009, Draft Legislation

Client expense: $2,300,000 · Firm income: Not reported

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

Issues related to credit cards: H.R. 3639 - Expedited CARD Reform for Consumer Act; S 1833 - Expedited CARD Reform for Consumer Act; S 1927 - Retroactive Rate Increase Moratorium Issues related to Small Business - S 2869 - Small Business Job Creation and Access to Capital Act of 2009 H.R. 3854 - Small Business Financing and Investing Act of 2009 Issues related to Student Lending - H.R. 3221 - Student Aid and Fiscal Responsibility Act of 2009 S 1541 - Student Aid and Fiscal Responsibility Act of 2009 H.R. 4103 - Ensuring Continued Access to Student Loan Act S 2796 - Ensuring Continued Access to Student Loan Act Issues related to Regulatory Reform - H.R. 3126 - Consumer Financial Protection Agency of 2009 H.R. 4173 - Wall Street Reform & Consumer Protection Act of 2009 Issues related to Mortgage Lending S 896 - Helping Families Save Their Homes Act of 2009 H.R. 1728 - Mortgage Reform and Anti-Predatory Lending Act 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 H.R. 3904 - Overdraft Protection Act of 2009 Other H.R. 2309 - Consumer Credit and Debt Collection Act H.R. 2221 - Data Accountabiliy and Trust Act S 1490 - Personal Data Privacy and Security Act of 2009 S 139 - Data Breach Notification Bill H.R. 1479 - Community Reinvestment Modernization Act of 2009 H.R. 3306 - DOD Appropriations Act of 2009

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

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

Issues related to credit cards: H.R. 3639 - Expedited CARD Reform for Consumer Act; S 1833 - Expedited CARD Reform for Consumer Act; S 1927 - Retroactive Rate Increase Moratorium Issues related to Small Business - S 2869 - Small Business Job Creation and Access to Capital Act of 2009 H.R. 3854 - Small Business Financing and Investing Act of 2009 Issues related to Student Lending - H.R. 3221 - Student Aid and Fiscal Responsibility Act of 2009 S 1541 - Student Aid and Fiscal Responsibility Act of 2009 H.R. 4103 - Ensuring Continued Access to Student Loan Act S 2796 - Ensuring Continued Access to Student Loan Act Issues related to Regulatory Reform - H.R. 3126 - Consumer Financial Protection Agency of 2009 H.R. 4173 - Wall Street Reform & Consumer Protection Act of 2009 Issues related to Mortgage Lending S 896 - Helping Families Save Their Homes Act of 2009 H.R. 1728 - Mortgage Reform and Anti-Predatory Lending Act 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 H.R. 3904 - Overdraft Protection Act of 2009 Other H.R. 2309 - Consumer Credit and Debt Collection Act H.R. 2221 - Data Accountabiliy and Trust Act S 1490 - Personal Data Privacy and Security Act of 2009 S 139 - Data Breach Notification Bill H.R. 1479 - Community Reinvestment Modernization Act of 2009 H.R. 3306 - DOD Appropriations Act of 2009

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

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

H.R.2382 Credit Card Interchange Fees Act of 2009 - All provisions H.R.2695 Credit Card Fair Fee Act of 2009 - All provisions S.1212 Credit Card Fair Fee Act of 2009 - All provisions H.R.3126 Consumer Finance Protection Agency Act of 2009 - Preemption sections H.R.977 Derivatives Markets Transparency and Accountability Act of 2009 - All provisions H.R.2454 American Clean Energy and Security Act of 2009 - Provisions related to the Commodity Exchange Act and derivatives trading only H.R.3594 TARP Recipient Ownership Trust Act of 2009 - All provisions H.R.3639 Expedited Card Reform for Consumers Act of 2009 - All provisions H.R.2221 Data Accountability and Trust Act - All provisions S.272 Derivatives Trading Integrity Act of 2009 - All provisions S.1691 Comprehensive Derivatives Regulation Act of 2009 - All provisions General discussions with House and Senate regarding the Adminstration's proposed legislative text on Regulatory Reform regarding the proposal for a systemic risk regulator and a resolution authority for systemically significant institutions. Met with House and Senate on credit card issues, including implementation of the Credit Card Act of 2009. Met with House and Senate on issues related to credit derivatives and credit default swaps. H.R.4173 Wall Street Reform and Consumer Protection Act - All provisions H.R.1242 To emend the Emergency Economic Stabilization Act of 2008 to provide for additional monitoring and accountability of the Troubled Asset Relief Program - All provisions S.139 Data Breach Notification Act - All provisions S.1490 Personal Data Privacy and Security Act of 2009 - All provisions H.R.3959 Credit Card Rate Freeze Act of 2009 - All provisions H.R.3996 Financial Stability Improvement Act - All provisions H.R.4300 Restoring America's Commitment to Consumers Act - All provisions S.1927 Credit Card Rate Freeze Act of 2009 - All provisions H.R.3977 Credit Card Fee Limitation and Accountability Act - All provisions

Client expense: $1,250,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Council of Economic Advisers (CEA), Executive Office of the President (EOP), Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Natl Economic Council (NEC), Natl Security Council (NSC), Office of Thrift Supervision (OTS), SENATE, Treasury, Dept of, U.S. Trade Representative (USTR), White House Office

HR 627, HR 3639, S 1833, S 1927 - discuss implementation of Credit Card Holders' Bill of Rights Act of 2009; HR 1456, S 1799, HR 3904 - discuss legislation affecting overdraft protection programs; HR 1728 - discuss business implications of proposed legislation affecting the underwriting of residential mortgages; HR 2695, HR 2382, S1212 - discuss legislation to regulate the market for credit card transaction fees; HR 4173 - Discuss the impact of changes to the premium assessment base; Discuss industry's efforts to modify home loan mortgages.

Client expense: $1,860,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Federal Deposit Insurance Corporation (FDIC), HOUSE OF REPRESENTATIVES, SENATE, Securities & Exchange Commission (SEC), State, Dept of (DOS), Treasury, Dept of, U.S. Trade Representative (USTR)

Title IV of HR 4173, the "Wall Street Reform and Consumer Protection Act of 2009" and other proposal to revise the regulation of consumer credit, including proposals to create a Consumer Financial Protection Agency; Issues related to overdraft programs, including HR 1456 and S1799, all provisions; proposals to expedite the implementation of the CARD Act of 2009 or to freeze interest rates on credit cards, including S 1927 and HR 3639.

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

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Office of the Comptroller of the Currency (OCC), SENATE

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), H.R. 1456 (the Consumer Overdraft Protection Fair Practices Act), H.R. 1487 (the Overdraft Fee Notification Act), H.R. 3904 (the Overdraft Protection Act), S. 1799 (the Fairness and Accountability in Receiving Overdraft Coverage Act), H.R. 3639 (the Expedited CARD Reform for Consumers Act), H.R. 3457 (the Small Business Credit Card Act), H.R. 4300 (the Restoring America's Commitment to Consumers Act), S. 1833 (the Expedited CARD Reform for Consumers Act), and S. 1927 (the Credit Card Rate Freeze Act); issues related to the regulation of consumer financial products, including H.R. 3126 (the Consumer Financial Protection Agency Act), and provisions in H.R. 4173 (the Wall Street Reform and Consumer Protection 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), S. 1070 (a bill to establish the Small Business Information Security Task Force), and S. 1490 (the Personal Data Privacy and Security 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 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 the use of payment systems as enforcement mechanisms, including H.R. 4059 (the Online Age Verification and Child Safety Act); issues related to payment system supervision, including H.R. 3996 (the Payment, Clearing, and Settlement Supervision Act); and market access issues in global markets.

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

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

Monitored and reviewed the Credit Card legislation and related amendments including H.R. 3639 to expedite implementation of the new credit card regulations, and S. 1927 limiting credit card interest rate increases.

Client expense: Not reported · Firm income: $22,500

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HR 1728, Mortgage Reform and Anti-Predatory Lending Act. HR 3126, Consumer Financial Protection Act of 2009. HR 3639, Expedited CARD Reform for Consumers Act of 2009 - Issues related to earlier implementation of credit card rules. HR 3795, Over-the-Counter Derivatives Markets Act of 2009 - Issues related to the Consumer Financial Protection Agency. HR 3904, Overdraft Protection Act of 2009. HR 3996, Financial Stability Improvement Act of 2009 - Issues related to systemic risk. HR 4173, Wall Street Reform and Consumer Protection Act of 2009 - Issues related to financial regulatory reform. HR 1799, FAIR Overdraft Coverage Act. S 1927, Credit Card Rate Freeze Act of 2009. Issues related to student loans. Issues related to the Federal Reserve overdraft rules. Legislation related to payday loans. Issues related to security freeze. Issues related to prepaid cards. Issues related to check holds. Issues related to debt settlement. Issues related to financial reform. Issues related to auto loans. Issues related to bankruptcy and medical expenses.

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

Government targets: Agriculture, Dept of (USDA), Commerce, Dept of (DOC), Consumer Product Safety Commission (CPSC), Energy, Dept of, Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Energy Regulatory Commission (FERC), Federal Reserve System, Federal Trade Commission (FTC), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Natl Highway Traffic Safety Administration (NHTSA), SENATE, Transportation, Dept of (DOT), White House Office

H.R. 3126, Consumer Financial Protection Agency Act of 2009; S. 1927, Credit Card Rate Freeze Act of 2009; H.R. 4173, Wall Street Reform and Consumer Protection Act of 2009.

Client expense: Not reported · Firm income: Not reported

Government targets: SENATE

Title IV of HR 4173, the "Wall Street Reform and Consumer Protection Act of 2009" and other proposal to revise the regulation of consumer credit, including proposals to create a Consumer Financial Protection Agency; Issues related to overdraft programs, including HR 1456 and S1799, all provisions; proposals to expedite the implementation of the CARD Act of 2009 or to freeze interest rates on credit cards, including S 1927 and HR 3639.

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

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Office of the Comptroller of the Currency (OCC), 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.

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

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of

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), S. 1070 (a bill to establish the Small Business Information Security Task Force), and S. 1490 (the Personal Data Privacy and Security Act); 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), H.R. 1456 (the Consumer Overdraft Protection Fair Practices Act), H.R. 1487 (the Overdraft Fee Notification Act), H.R. 3904 (the Overdraft Protection Act), S. 1799 (the Fairness and Accountability in Receiving Overdraft Coverage Act), H.R. 3639 (the Expedited CARD Reform for Consumers Act), H.R. 3457 (the Small Business Credit Card Act), H.R. 4300 (the Restoring America's Commitment to Consumers Act), S. 1833 (the Expedited CARD Reform for Consumers Act), and S. 1927 (the Credit Card Rate Freeze Act); Issues related to the regulation of consumer financial products, including H.R. 3126 (the Consumer Financial Protection Agency Act), and provisions in H.R. 4173 (the Wall Street Reform and Consumer Protection 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 the use of payment systems as enforcement mechanisms, including H.R. 4059 (the Online Age Verification and Child Safety Act); Credit card and payment network 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 payment system supervision, including H.R. 3996 (the Payment, Clearing, and Settlement Supervision Act); Market access issues in global markets.

Client expense: $960,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HR 1664 Grayson Himes Pay for Performance Act, regarding issues on executive compensation; HR 3795 Over-the-Counter Derivatives Markets Act of 2009, regarding over-the-counter derivatives; HR 977 Derivatives Markets Transparency & Accountability Act, regarding over-the-counter derivatives; S 272 Derivatives Trading Integrity Act, regarding Credit Default Swaps; HR 2454 American Clean Energy and Security Act / S 1691 Comprehensive Derivatives Regulation Act / Administration Proposal / S 961 Authorizing the Regulation of Swaps Act, regarding over-the-counter derivatives; HR 627 Credit Cardholders' Bill of Rights Act / HR 3639 Expedited CARD Reform for Consumers Act of 2009 / S 1927 / HR 3959 / HR 2382 Credit Card Interchange Fees Act of 2009, regarding legislative and regulatory prohibition of credit card practices, implementation timeframes, interchange fees, and restrictions on small business credit cards; S 773 / S 778 Cybersecurity Act of 2009, regarding creation of an agency and advisor; Senate Banking, Housing, & Urban Affairs Committee Chairman Dodd's discussion draft regarding comprehensive financial institution regulatory reform; Discuss with House Oversight and Government Reform Committee regarding the Committee's inquiry into the acquisition of Merrill Lynch by Bank of America; HR 2897 Bank Accountability and Risk Assessment Act, regarding deposit insurance; HR 2896 Equal Treatment of Covered Bonds Act, regarding issues of treatment of covered bonds; General issues regarding lending and credit market activities, Gramm-Leach Bliley Repeal, examination of debt-settlement practices, fiduciary standards of investment, and Bank of America postal strategies; HR 384 TARP Reform and Accountability Act, regarding general issues on TARP oversight; HR 1105 / S Amdt 638 Omnibus Appropriations Act, regarding issues involving Truth in Lending Act; HR 786 / S Amdt 688 To make permanent the temporary increase in deposit insurance coverage regarding FDIC insurance; HR 2695 / S 1212 Credit Card Fair Free Act, regarding issues involving rates and electronic payment systems; S 1432 Financial Services and General Government Appropriations Act 2010, regarding interchange charges to government acceptance of card payments; S 1799 FAIR Overdraft Coverage Act, regarding legislative limitations of overdraft practices; HR 1474 Servicemembers Access to Justice Act of 2009, regarding financial regulatory reform; HR 1624 Amdt. 201 / BKO Proposed Rule 3001, regarding Legislative effort to enact restrictions on credit cards and other loans; HR 4300 Restoring America's Commitment to Consumers Act of 2009, regarding legislative limitation of interest rates and fees on credit cards.

Client expense: $1,180,000 · Firm income: Not reported

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

S. 257, the Consumer Credit Fairness Act (all provisions) S. 414, the Credit Card Accountability Responsibility and Disclosure Act of 2009 (all provisions) S. 896, the Helping Families Save Their Homes Act of 2009 (all provisions, proposed amendment on farm loan restructuring) S. 1212, the Credit Card Fair Fee Act of 2009 (all provisions) Administration Proposal to Restructure Financial Services Regulation (all provisions) S. 1799, the Fairness and Accountability in Receiving Overdraft Coverage Act of 2009 (all provisions) S. 1822, the Bank On Our Communities Act of 2009 (all provisions) S. 1927, the Credit Card Rate Freeze Act of 2009 (all provisions) S. 2919, to amend the Federal Credit Union Act to advance the ability of credit unions to promote small business growth and economic development opportunities, and for other purposes (all provisions) H.R. 627, the Credit Cardholders' Bill of Rights Act of 2009 (all provisions) H.R. 1020, the Arbitration Fairness Act (provisions restricting arbitration clauses in contracts) H.R. 1479, the Community Reinvestment Modernization Act of 2009 H.R. 1728, the Mortgage Reform and Anti-Predatory Lending Act (all provisions) H.R. 2309, the Consumer Credit and Debt Protection Act (provisions to grant the FTC expedited rulemaking authority and authority to obtain civil penalties in connection with unfair and deceptive acts or practices) H.R. 2382, the Credit Card Interchange Fees Act of 2009 (all provisions) H.R. 2695, the Credit Card Fair Fee Act of 2009 (all provisions) H.R. 2893, Money Services Business Act of 2009 H.R. 2897, the Bank Accountability & Risk Assessment Act of 2009 (all provisions) H.R. 3221, the Student Aid and Fiscal Responsibility Act of 2009 (all provisions) H.R. 3380, the Promoting Lending to America's Small Businesses Act of 2009 (all provisions on credit unions business lending restrictions) H.R. 3639, the Expedited CARD Reform for Consumers Act of 2009 (all provisions) H.R. 3763, to amend the Fair Credit Reporting Act to provide for an exclusion from Red Flag Guidelines for certain businesses (all provisions) H.R. 3817, the Investor Protection Act (all provisions) H.R. 3818, the Private Fund Investment Advisers Registration Act of 2009 (all provisions) H.R. 3904, the Overdraft Protection Act (all provisions) Consumer Financial Protection Agency Act of 2009 H.R. 4173, the Wall Street Reform and Consumer Protection Act of 2009 (all provisions) Treasury Department Draft Legislation on Credit Default Swaps and Other Over-The-Counter Derivatives (all provisions) The Over-the Counter Derivatives Markets Act of 2009, Draft Legislation

Client expense: $2,250,000 · Firm income: Not reported

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

HR 4173 - Wall Street Reform and Consumer Protection Act of 2009 (excluding exective compensation provisions), Restoring American Financial Stability Act: Chairman's Mark (Dodd draft, not formally introduced), S.1799 - Fairness and Accountability in Receiving (FAIR) Overdraft Coverage Act, HR 3126 - Consumer Financial Services Protection Act; S 1691- Comprehensive Derivatives Regulation Act; HR 3310 - Consumer Protection and Regulatory Enhancement Act HR 3126 - The Consumer Financial Protection Agency Act HR 2221 - Data Accountability and Trust Act - Application of the Act to GLBS covered entities HR 2382 - Credit Card Interchange Fees Act of 2009 HR 3639 - Expedited CARD Reform for Consumer Act of 2009 HR 1456 - Consumer Overdraft Protection Fair Practices Act HR 3904 - Overdraft Protection Act of 2009 S 1927 - Credit Card Rate Freeze Act of 2009 S 1833 - Expedited CARD Reform for Consumers Act of 2009 The Ability-to-Pay section of the CARD Act rules Unlawful Internet Gambling Enforcement Act (UIGEA) and Regulation GG rules

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

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

Public Law 111-24, the Credit CARD Act of 2009, provisions relating to credit card practices HR 3126, the Consumer Financial Protection Agency Act of 2009, provisions relating to consumer protection regulation Issues relating to merchant interchange fees Issues relating to Payment Card Industry Data Security Standards HR 2382, Credit Card Interchange Fee Act, provisions related to merchant interchange fees HR 2695, Credit Card Fair Fee Act, provisions related to merchant interchange fees S 1212, Credit Card Fair fee Act, provisions related to merchant interchange fees HR 2221, Data Accountability and Trust Act of 2009, provisions related to data security and consumer privacy HR 3639, the Expedited CARD Reform for Consumers Act of 2009 HR 3601, Credit CARD Effective Date Change Act, provisions accelerating the effective date of the Credit CARD Act HR 3457, Small Business Credit Card Act of 2009, issues relating to small business credit card practices HR 4173, the Wall Street Reform and Consumer Protection Act of 2009, issues relating to financial regulatory reform S 1927, the Credit Card Rate Freeze Act of 2009, provisions accelerating the effective date of the Credit CARD Act HR 4300, the Restoring America's Commitment to Consumers Act of 2009, issues relating to interest rate caps HR 3996, the Financial Stability Improvement Act, provisions relating to systemic risk regulation

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

Government targets: Executive Office of the President (EOP), Federal Reserve System, HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Office of Thrift Supervision (OTS), SENATE, Treasury, Dept of, U.S. Postal Service (USPS), White House Office

H.R.2382 Credit Card Interchange Fees Act of 2009 (All sections of full text) H.R.2695 Credit Card Fair Fee Act of 2009 (All sections of full text) H.R.3126 Consumer Financial Protection Agency Act of 2009 (All sections of full text - which later became incorporated in H.R.4173 Wall Street Reform and Consumer Protection Act of 2009) H.R.3639 Expedited Card Reform for Consumers Act of 2009 (All sections of full text) S.1432 Financial Services and General Government Appropriations Act, 2010 [Amendment regarding interchange charges to government acceptance of card payments which has since been removed from bill] S.1927 Credit Card Rate Freeze Act of 2009 (All sections of full text) *Chairman Dodds discussion draft regarding comprehensive financial institution regulatory reform.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R.977 Derivatives Markets Transparency and Accountability Act of 2009 (All sections of full text) H.R. 1456 Consumer Overdraft Protection Fair Practices Act (All sections of full text) H.R.2695 Credit Card Fair Fee Act of 2009 (All sections of full text) H.R.3126 Consumer Financial Protection Agency Act of 2009 (All sections of full text which later became incorporated in H.R.4173 Wall Street Reform and Consumer Protection Act of 2009) H.R.3639 Expedited Card Reform for Consumers Act of 2009 (All sections of full text) H.R.3795 Over-the-Counter Derivatives Markets Act of 2009 (All sections of full text - which later became incorporated in H.R.4173 Wall Street Reform and Consumer Protection Act of 2009) S.1432 Financial Services and General Government Appropriations Act, 2010 [Amendment regarding interchange charges to government acceptance of card payments which has since been removed from bill] S.1691 Comprehensive Derivatives Regulation Act of 2009 (All sections of full text) S.1927 Credit Card Rate Freeze Act of 2009 (All sections of full text) *Chairman Dodds discussion draft regarding comprehensive financial institution regulatory reform.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 3126, Consumer Financial Protection Agency Act of 2009. S. 1212, Credit Card Fair Fee Act of 2009. H.R. 4173, Wall Street Reform and Consumer Protection Act of 2009. S. 1927, Credit Card Rate Freeze Act of 2009.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE