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Consumer Credit Fairness Act
Legislative Progress
Introduced
January 15, 2009
Latest Action
January 15, 2009
Primary Sponsor
Sheldon WhitehouseDemocratic(RI)
Momentum (last 30 days)
0
score
0 actions · 0 new cosponsors · 0 votes
Speed vs cohort
0pct
0d open
vs 4,048 other S bills in the 111th — cohort avg 29d
No CRS summary is available for this bill yet. The source title, actions, sponsors, and text versions below come from Congress.gov.
These links require the bill number to appear in the filing's source-reported specific issue text. Client expenses and lobbying-firm income are separate disclosure fields.
Bills with similar content found using semantic analysis.
Sources: Congress.gov
2010 · second_quarter · Bankruptcy
Modifications to the bankruptcy code, including the following legislation: S.257 - Consumer Credit Fairness Act and S.896 - Helping Families Save Their Homes Act of 2009.
Client expense: $475,000 · Firm income: Not reported
Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of, White House Office
2010 · first_quarter · Bankruptcy
Modifications to the bankruptcy code, including the following legislation: S.257 - Consumer Credit Fairness Act and S.896 - Helping Families Save Their Homes Act of 2009
Client expense: $260,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2010 · second_quarter · Bankruptcy
Modifications to the bankruptcy code, including the following legislation: S.257 - Consumer Credit Fairness Act and S.896 - Helping Families Save Their Homes Act of 2009.
Client expense: $380,000 · Firm income: Not reported
Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of, White House Office
2010 · fourth_quarter · Banking
Lobbying issues were: CFPA (encouraging Congress to create an effective federal consumer-focused banking regulator); credit cards (encouraging Congress to speed up the implementation of the Federal Reserve's new regulations and to add additional consumer protections); overdraft loans (encouraging Congress to implement restrictions on abusive overdraft practices); payday loans (encouraging Congress to prohibit abusive products and practices); [continued on next page] [continued from previous page] mortgage lending (encouraging Congress to prohibit abusive products and practices); mortgage loan modifications (encouraging Congress to provide incentive for servicers to modify loans to prevent foreclosures) Specific legislation that was the subject of lobbying activity: S61: Helping Families Save their Homes in Bankruptcy Act of 2009 (to allow for judicial loan modification for primary residences through the bankruptcy code) S257: Consumer Credit Fairness Act (to require the bankruptcy court to disallow any claim arising from an abusive high cost consumer credit transaction) S500: Protecting Consumers from Unreasonable Credit Rates Act of 2009 (to create a federal 36% APR usury cap) S585: Taxpayer Abuse Prevention Act (to provide additional protections for recipients of the earned income tax credit) S786: Improving Access to Mainstream Financial Institutions Act of 2009 (to establishing alternative small-dollar lending program to payday loans) S2824: Amendment to Community Development Banking and Financial Institutions Act of 1994 (to establish a small dollar loan-loss guarantee fund that insures fair and affordable small dollar loans) S3217: Restoring American Financial Stability Act of 2010, and related amendments (to create a single agency to have strong rulewriting and enforcement authority in consumer financial transactions) S3245: The Payday Lending Limitation Act of 2010 (to limit abusive aspects of payday loans) S.AMDT.4311 to HR4213: Franken/Snowe Amendment (to create an Office of the Homeowner Advocate) HR200: Helping Families Save Their Homes in Bankruptcy Act of 2009 (to allow for judicial loan modifications for primary residences through the bankruptcy code) HR225: Emergency Homeownership and Equity Protection Act (to allow for judicial loan modification for primary residences through the bankruptcy code) HR1106: Helping Families Save their Homes Act of 2009 (to allow for judicial loan modification for primary residences through the bankruptcy code) HR1214: Payday Loan Reform Act of 2009 (to limit the most abusive aspects of payday loans) HR1456: Consumer Overdraft Protection Fair Practices Act (to create federal protections against abusive and unfair overdraft practices) HR1608: Protecting Consumers from Unreasonable Credit Rates Act of 2009 (to create a federal 36% APR usury cap) HR1637: Universal Default Prohibition Act of 2009 (to eliminate universal increases in interest rate on a credit card when cardholders default on accounts with other creditors) HR1782: Fairness for Homeowners Act of 2009 (to protect consumers against abusive, unfair, or deceptive practices in the mortgage marketplace) HR1846: Consumer Lending Education And Reform Act (opposed the mere disclosure of abusive terms in payday loans and favored substantive consumer protections) HR2309: Consumer Credit and Debt Protection Act (to grant the FTC expedited rule-making authority) HR2563: Payday Lending Reform Act of 2009 (opposed the mere disclosure of abusive terms in payday loans and favored substantive consumer protections) HR3904: Overdraft Protection Act of 2009 (to create federal protections against abusive and unfair overdraft practices) HR4173: The Wall Street Reform and Consumer Protection Act of 2009, and related amendments (to create a single agency to have strong rulewriting and enforcement authority in consumer financial transactions, and to protect consumers against abusive, unfair, or deceptive practices in the mortgage marketplace) HR4229: Borrowers' Right to Inspect Closing Documents Act of 2009 (to require more timely delivery of loan and closing documents to borrower) HR4300: Restoring America's Commitment to Consumers Act of 2009 (favoring a 36% inclusive interest rate cap) HR5689: Predatory Lending Sunset Act (to place a cap on the rate of interest allowed on small-dollar consumer loans) HR5942: FFSCC Act of 2010 (to protect existing state laws limiting abusive payday lending practices) House and Senate GSE Bills, not yet introduced (to ensure there is a secondary housing market to serve low- and moderate-income communities) Freedom of Mobility in Banking Act, not yet introduced (to facilitate consumers' ability to change banking accounts, including protection from unfair related fees) Executive branch agencies and issues: Dept. of Treasury -- Consumer Financial Protection Agency, HAMP, GSE reform, Bank On program Federal Trade Commission -- debt settlement, auto financing Banking agencies (Federal Reserve System, FDIC, OCC, OTS) -- testified at hearing on reforms to Community Reinvestment Act HUD -- GSE reform FDIC -- overdraft loans Federal Reserve -- overdraft loans, bank payday loans, mortgage rules, credit card rules, Dodd-Frank implementation NCUA -- overdraft loans and small dollar loans White House Office -- foreclosure prevention
2010 · fourth_quarter · Bankruptcy
Modifications to the bankruptcy code, including the following legislation: S.257 - Consumer Credit Fairness Act and S.896 - Helping Families Save Their Homes Act of 2009.
Client expense: $750,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE
Client expense: $102,000 · Firm income: Not reported
Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Natl Credit Union Administration (NCUA), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of, White House Office
2010 · fourth_quarter · Banking
HR 2563, Payday Lending Reform Act of 2009, all provisions; S. 500/HR 1608 - Protecting Consumers from Unreasonable Credit Rates Act of 2009, all provisions; H.R. 4173/S. 3217, the "Wall Street Reform and Consumer Protection Act." HR 1214 Payday Loan Reform Act of 2009, all provisions, to establish additional payday loan disclosure requirements and other protections for consumers, and for other purposes. S. 2824 Title: A bill to establish a small dollar loan-loss guarantee fund, and for other purposes. S. 257 - Consumer Credit Fairness Act, all provisions; H.R. 3126 Consumer Financial Protection Agency Act of 2009, all provisions. Sen. Dodd Mark-up/Reg Reform, no bill number H.R. 1846. CLEAR Act, To amend the Truth in Lending Act to establish additional payday loan disclosure requirements and preempt certain State laws, and for other purposes; Implementation of H.R. 4173, Wall Street Reform and Consumer Protection Act; Monitor data security and online privacy legislation.
Client expense: Not reported · Firm income: $90,000
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2010 · fourth_quarter · Banking
REGULATORY REFORM, GENERALLY; HR 2563, Payday Lending Reform Act of 2009, all provisions; S. 500/HR 1608 - Protecting Consumers from Unreasonable Credit Rates Act of 2009, all provisions; HR 1846, Consumer Lending Education and Reform Act, all provisions; HR 1214 Payday Loan Reform Act of 2009, all provisions, to establish additional payday loan disclosure requirements and other protections for consumers, and for other purposes. S. 2824 Title: A bill to establish a small dollar loan-loss guarantee fund, and for other purposes. S. 257 - Consumer Credit Fairness Act, all provisions; H.R. 3126 Consumer Financial Protection Agency Act of 2009, all provisions. H.R.2563 Title: To amend the Truth in Lending Act to establish additional protections for consumers with regard to payday loans, and for other purposes. H.R. 1846. CLEAR Act, To amend the Truth in Lending Act to establish additional payday loan disclosure requirements and preempt certain State laws, and for other purposes; H.R. 4173/S. 3217, Wall Street Reform and Consumer Protection Act, 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.
Client expense: Not reported · Firm income: $50,000
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2010 · fourth_quarter · Banking
HR 1214, HR 1608, HR 1640, HR 1846, HR 2309, Hr 2563, HR 5942 S 257, S 500
Client expense: Not reported · Firm income: $20,000
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2010 · fourth_quarter · Consumer Issues/Safety/Products
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. Start up of Consumer Financial Protection Bureau.
Client expense: Not reported · Firm income: $90,000
Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of
2010 · fourth_quarter · Financial Institutions/Investments/Securities
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. Start-up operations of the Consumer Financial Protection Bureau. NEED TO ADD CFPB TO LIST OF AGENCIES BELOW TO SELECT FROM
Client expense: Not reported · Firm income: $90,000
Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of
2010 · third_quarter · Banking
HR 1214, Hr 1608, HR 1640, HR 1846, HR 2309, HR 2563, HR 4173 S 257, S 500, S 3217
Client expense: Not reported · Firm income: $20,000
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2010 · third_quarter · Bankruptcy
Modifications to the bankruptcy code, including the following legislation: S.257 - Consumer Credit Fairness Act and S.896 - Helping Families Save Their Homes Act of 2009.
Client expense: $190,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2010 · third_quarter · Banking
Lobbying issues were: CFPA (encouraging Congress to create an effective federal consumer-focused banking regulator); credit cards (encouraging Congress to speed up the implementation of the Federal Reserve's new regulations and to add additional consumer protections); overdraft loans (encouraging Congress to implement restrictions on abusive overdraft practices); payday loans (encouraging Congress to prohibit abusive products and practices); [continued on next page] [continued from previous page] mortgage lending (encouraging Congress to prohibit abusive products and practices); mortgage loan modifications (encouraging Congress to provide incentive for servicers to modify loans to prevent foreclosures) Specific legislation that was the subject of lobbying activity: S61: Helping Families Save their Homes in Bankruptcy Act of 2009 (to allow for judicial loan modification for primary residences through the bankruptcy code) S257: Consumer Credit Fairness Act (to require the bankruptcy court to disallow any claim arising from an abusive high cost consumer credit transaction) S500: Protecting Consumers from Unreasonable Credit Rates Act of 2009 (to create a federal 36% APR usury cap) S585: Taxpayer Abuse Prevention Act (to provide additional protections for recipients of the earned income tax credit) S786: Improving Access to Mainstream Financial Institutions Act of 2009 (to establishing alternative small-dollar lending program to payday loans) S2824: Amendment to Community Development Banking and Financial Institutions Act of 1994 (to establish a small dollar loan-loss guarantee fund that insures fair and affordable small dollar loans) S3217: Restoring American Financial Stability Act of 2010, and related amendments (to create a single agency to have strong rulewriting and enforcement authority in consumer financial transactions) S3245: The Payday Lending Limitation Act of 2010 (to limit abusive aspects of payday loans) S.AMDT.4311 to HR4213: Franken/Snowe Amendment (to create an Office of the Homeowner Advocate) HR200: Helping Families Save Their Homes in Bankruptcy Act of 2009 (to allow for judicial loan modifications for primary residences through the bankruptcy code) HR225: Emergency Homeownership and Equity Protection Act (to allow for judicial loan modification for primary residences through the bankruptcy code) HR1106: Helping Families Save their Homes Act of 2009 (to allow for judicial loan modification for primary residences through the bankruptcy code) HR1214: Payday Loan Reform Act of 2009 (to limit the most abusive aspects of payday loans) HR1456: Consumer Overdraft Protection Fair Practices Act (to create federal protections against abusive and unfair overdraft practices) HR1608: Protecting Consumers from Unreasonable Credit Rates Act of 2009 (to create a federal 36% APR usury cap) HR1637: Universal Default Prohibition Act of 2009 (to eliminate universal increases in interest rate on a credit card when cardholders default on accounts with other creditors) HR1782: Fairness for Homeowners Act of 2009 (to protect consumers against abusive, unfair, or deceptive practices in the mortgage marketplace) HR1846: Consumer Lending Education And Reform Act (opposed the mere disclosure of abusive terms in payday loans and favored substantive consumer protections) HR2309: Consumer Credit and Debt Protection Act (to grant the FTC expedited rule-making authority) HR2563: Payday Lending Reform Act of 2009 (opposed the mere disclosure of abusive terms in payday loans and favored substantive consumer protections) HR3904: Overdraft Protection Act of 2009 (to create federal protections against abusive and unfair overdraft practices) HR4173: The Wall Street Reform and Consumer Protection Act of 2009, and related amendments (to create a single agency to have strong rulewriting and enforcement authority in consumer financial transactions, and to protect consumers against abusive, unfair, or deceptive practices in the mortgage marketplace) HR4229: Borrowers' Right to Inspect Closing Documents Act of 2009 (to require more timely delivery of loan and closing documents to borrower) HR4300: Restoring America's Commitment to Consumers Act of 2009 (favoring a 36% inclusive interest rate cap) HR5689: Predatory Lending Sunset Act (to place a cap on the rate of interest allowed on small-dollar consumer loans) HR5942: FFSCC Act of 2010 (to protect existing state laws limiting abusive payday lending practices) House and Senate GSE Bills, not yet introduced (to ensure there is a secondary housing market to serve low- and moderate-income communities) Freedom of Mobility in Banking Act, not yet introduced (to facilitate consumers' ability to change banking accounts, including protection from unfair related fees) Executive branch agencies and issues: Dept. of Treasury -- Consumer Financial Protection Agency, HAMP, GSE reform, Bank On program Federal Trade Commission -- debt settlement, auto financing Banking agencies (Federal Reserve System, FDIC, OCC, OTS) -- testified at hearing on reforms to Community Reinvestment Act HUD -- GSE reform FDIC -- overdraft loans
Client expense: $140,000 · Firm income: Not reported
Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of
2010 · third_quarter · Financial Institutions/Investments/Securities
H.R. 200 - Helping Families Save Their Homes in Bankruptcy Act of 2009 S. 61 - Helping Families Save Their Homes in Bankruptcy Act of 2009 S. 257 - Consumer Credit Fairness Act S. 3217 Restoring American Financial Stability Act of 2010 H.R. 4173 Dodd-Frank Wall Street Reform & Consumer Protection Act Financial Crisis Responsibility Fee H.R. 627 Credit Cardholders' Bill of Rights Act of 2009 (Implementing Rule) S. 3098 Protect Our Recovery Through Oversight of Proprietary Trading Act of 2010
Client expense: $404,212 · Firm income: Not reported
Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, Natl Economic Council (NEC), SENATE, Treasury, Dept of
2010 · third_quarter · Bankruptcy
H.R. 200 - Helping Families Save Their Homes in Bankruptcy Act of 2009 S. 257 - Consumer Credit Fairness Act S. 3217 Restoring American Financial Stability Act of 2010 H.R. 4173 Dodd-Frank Wall Street Reform & Consumer Protection Act
Client expense: $404,212 · Firm income: Not reported
Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, Natl Economic Council (NEC), SENATE, Treasury, Dept of
2010 · third_quarter · Banking
H.R. 200 - Helping Families Save Their Homes in Bankruptcy Act of 2009 H.R. 627 Credit Cardholders' Bill of Rights Act of 2009 (Implementing Rule) S. 257 Consumer credit Fairness Act S. 3217 Restoring American Financial Stability Act of 2010 H.R. 4173 Dodd-Frank Wall Street Reform & Consumer Protection Act Financial Crisis Responsibility Fee S. 3098 Protect Our Recovery Through Oversight of Proprietary Trading Act of 2010
Client expense: $404,212 · Firm income: Not reported
Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, Natl Economic Council (NEC), SENATE, Treasury, Dept of
2010 · third_quarter · Banking
REGULATORY REFORM, GENERALLY; HR 2563, Payday Lending Reform Act of 2009, all provisions; S. 500/HR 1608 - Protecting Consumers from Unreasonable Credit Rates Act of 2009, all provisions; HR 1846, Consumer Lending Education and Reform Act, all provisions; HR 1214 Payday Loan Reform Act of 2009, all provisions, to establish additional payday loan disclosure requirements and other protections for consumers, and for other purposes. S. 2824 Title: A bill to establish a small dollar loan-loss guarantee fund, and for other purposes. S. 257 - Consumer Credit Fairness Act, all provisions; H.R. 3126 Consumer Financial Protection Agency Act of 2009, all provisions. H.R.2563 Title: To amend the Truth in Lending Act to establish additional protections for consumers with regard to payday loans, and for other purposes. H.R. 1846. CLEAR Act, To amend the Truth in Lending Act to establish additional payday loan disclosure requirements and preempt certain State laws, and for other purposes; H.R. 4173/S. 3217, Wall Street Reform and Consumer Protection Act, 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.
Client expense: Not reported · Firm income: $50,000
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2010 · third_quarter · Banking
HR 2563, Payday Lending Reform Act of 2009, all provisions; S. 500/HR 1608 - Protecting Consumers from Unreasonable Credit Rates Act of 2009, all provisions; H.R. 4173/S. 3217, the "Wall Street Reform and Consumer Protection Act." HR 1214 Payday Loan Reform Act of 2009, all provisions, to establish additional payday loan disclosure requirements and other protections for consumers, and for other purposes. S. 2824 Title: A bill to establish a small dollar loan-loss guarantee fund, and for other purposes. S. 257 - Consumer Credit Fairness Act, all provisions; H.R. 3126 Consumer Financial Protection Agency Act of 2009, all provisions. Sen. Dodd Mark-up/Reg Reform, no bill number H.R. 1846. CLEAR Act, To amend the Truth in Lending Act to establish additional payday loan disclosure requirements and preempt certain State laws, and for other purposes; Implementation of H.R. 4173, Wall Street Reform and Consumer Protection Act; Monitor data security and online privacy legislation.
Client expense: Not reported · Firm income: $90,000
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2010 · third_quarter · Consumer Issues/Safety/Products
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
2010 · third_quarter · Financial Institutions/Investments/Securities
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
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2010 · third_quarter · Financial Institutions/Investments/Securities
Payday Loan Reform Act of 2009, H.R. 1214 Financial Product Safety Commission Act of 2009, S. 566 Protecting Consumers from Unreasonable Credit Rates Act of 2009, H.R. 1608, S. 500 Universal Default Prohibition Act of 2009, H.R. 1637 Consumer Financial Protection Agency Act of 2009, H.R. 3126 The Consumer Credit Fairness Act, S. 257
Client expense: Not reported · Firm income: $20,000
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2010 · second_quarter · Banking
HR 1214, HR 1608, HR 1640, HR 1846, HR 2309, HR 2563, HR 3126, HR 4173 S 257, S 500, S 3217
Client expense: Not reported · Firm income: $20,000
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2010 · second_quarter · Banking
Lobbying issues were: CFPA (encouraging Congress to create an effective federal consumer-focused banking regulator); credit cards (encouraging Congress to speed up the implementation of the Federal Reserve's new regulations and to add additional consumer protections); overdraft loans (encouraging Congress to implement restrictions on abusive overdraft practices); payday loans (encouraging Congress to pass a 36% rate cap on consumer loans); [continued on next page] [continued from previous page] mortgage lending (encouraging Congress to prohibit abusive products and practices); mortgage loan modifications (encouraging Congress to provide incentives for servicers to modify loans to prevent foreclosures) Specific legislation that was subject of lobbying activity: S61: Helping Families Save their Homes in Bankruptcy Act of 2009 (to allow for judicial loan modification for primary residences through the bankruptcy code) S257: Consumer Credit Fairness Act (to require the bankruptcy court to disallow any claim arising from an abusive high cost consumer credit transaction) S500: Protecting Consumers from Unreasonable Credit Rates Act of 2009 (to create a federal 36% APR usury cap) S585: Taxpayer Abuse Prevention Act (to provide additional protections for recipients of the earned income tax credit) S1799: FAIR Overdraft Coverage Act of 2009 (to create federal protections against abusive and unfair overdraft practices) S2824: Amendment to Community Development Banking and Financial Institutions Act of 1994 to establish a small dollar loan-loss guarantee fund, and for other purposes (to establish a small dollar loan-loss guarantee fund that insures fair and affordable small dollar loans) S3217: Restoring American Financial Stability Act of 2010, and related amendments (to create a single agency to have strong rulewriting and enforcement authority in consumer financial transactions) S3245: The Payday Loan Limitation Act (to place a cap on the rate of interest allowed on payday loans) HR200: Helping Families Save Their Homes in Bankruptcy Act of 2009 (to allow for judicial loan modification for primary residences through the bankruptcy code) HR225: Emergency Homeownership and Equity Protection Act (to allow for judicial loan modification for primary residences through the bankruptcy code) HR1106: Helping Families Save their Homes Act of 2009 (to allow for judicial loan modification for primary residences through the bankruptcy code) HR1214: Payday Loan Reform Act of 2009 (to limit the most abusive aspects of payday loans) HR1456: Consumer Overdraft Protection Fair Practices Act (to create federal protections against abusive and unfair overdraft practices) HR1608: Protecting Consumers from Unreasonable Credit Rates Act of 2009 (to create a federal 36% APR usury cap) HR1637: Universal Default Prohibition Act of 2009 (to eliminate universal increases in interest rate on a credit card when cardholders default on accounts with other creditors) HR1728: Mortgage Reform and Anti-Predatory Lending Act (to protect consumers against abusive, unfair, or deceptive practices in the mortgage marketplace) HR1782: Fairness for Homeowners Act of 2009 (to protect consumers against abusive, unfair, or deceptive practices in the mortgage marketplace) HR1846: Consumer Lending Education And Reform Act (opposed the mere disclosure of abusive terms in payday loans and favored substantive consumer protections) HR2309: Consumer Credit and Debt Protection Act (to grant the FTC expedited rule-making authority) HR2563: Payday Lending Reform Act of 2009 (opposed the mere disclosure of abusive terms in payday loans and favored substantive consumer protections) HR3126: Consumer Financial Protection Agency Act of 2009 (to create a single agency to have strong rulewriting and enforcement authority in consumer financial transactions) HR3639: Expedited CARD Reform for Consumers Act of 2009 (to move up the effective date of the Credit CARD Act to December 1, 2009) HR3904: Overdraft Protection Act of 2009 (to create federal protections against abusive and unfair overdraft practices) HR4173: The Wall Street Reform and Consumer Protection Act of 2009, and related amendments (to create a single agency to have strong rulewriting and enforcement authority in consumer financial transactions) HR4229: Borrowers' Right to Inspect Closing Documents Act of 2009 (to require more timely delivery of loan and closing documents to borrower) HR5689: Predatory Lending Sunset Act (to place a cap on the rate of interest allowed on small-dollar consumer loans) Senate regulatory reform draft bill (not yet introduced) (to create a single agency to have strong rulewriting and enforcement authority in consumer financial transactions) Senate payday alternatives amendment (not yet introduced) (to create an alterative for abusive small-dollar loans) Senate FDIC payday standard (not yet introduced) (to create consumer protections for payday loan borrowers) Executive branch agencies and issues: Federal Reserve - Truth In Lending rescission rules Dept. of Treasury - Consumer Financial Protection Agency, HAMP Federal Trade Commission - debt settlement
Client expense: $205,000 · Firm income: Not reported
Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of
2010 · second_quarter · Financial Institutions/Investments/Securities
H.R. 200 - Helping Families Save Their Homes in Bankruptcy Act of 2009 S. 61 - Helping Families Save Their Homes in Bankruptcy Act of 2009 S. 257 - Consumer Credit Fairness Act S. 3217 - Restoring American Financial Stability Act of 2010 H.R. 4173 Dodd-Frank Wall Street Reform & Consumer Protection Act Financial Crisis Responsibility Fee H.R. 627 Credit Cardholders' Bill of Rights Act of 2009 (Implementing Rule) S. 3098 Protect Our Recovery Through Oversight of Proprietary Trading Act of 2010
Client expense: $390,170 · Firm income: Not reported
Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Natl Economic Council (NEC), SENATE, Treasury, Dept of
2010 · second_quarter · Bankruptcy
H.R. 200 - Helping Families Save Their Homes in Bankruptcy Act of 2009 S. 257 - Consumer Credit Fairness Act S. 3217 - Restoring American Financial Stability Act of 2010 H.R. 4173 - Dodd-Frank Wall Street Reform & Consumer Protection Act
Client expense: $390,170 · Firm income: Not reported
Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Natl Economic Council (NEC), SENATE, Treasury, Dept of
2010 · second_quarter · Banking
H.R. 200 - Helping Families Save Their Homes in Bankruptcy Act of 2009 H.R. 627 - Credit Cardholders' Bill of Rights Act of 2009 (Implementing Rule) H.R. 2382 - Credit Card Interchange Fees Act of 2009 (Welch Bill) S. 257 - Consumer credit Fairness Act H.R. 2695 Credit Card Fair Fee Act of 2009 S. 1212 Credit Card Fair Fee Act of 2009 S. 3217 Restoring American Financial Stability Act of 2010 H.R. 4173 Dodd-Frank Wall Street Reform & Consumer Protection Act Financial Crisis Responsibility Fee S. 3098 Protect Our Recovery Through Oversight of Proprietary Trading Act of 2010
Client expense: $390,170 · Firm income: Not reported
Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Natl Economic Council (NEC), SENATE, Treasury, Dept of
2010 · second_quarter · Bankruptcy
HR 200 Helping Families Save Their Homes in Bankruptcy Act of 2009 Bankruptcy Cram-Down Proposals S. 257 Consumer Credit Fairness Act S. 896 Helping Families Save Their Homes Act of 2009 S. 1731 Perserving Homes and Communities Act of 2009
Client expense: $1,650,000 · Firm income: Not reported
Government targets: Agriculture, Dept of (USDA), Farm Credit Administration, Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, 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), President of the U.S., SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, White House Office
2010 · second_quarter · Bankruptcy
Modifications to the bankruptcy code, including the following legislation: S.257 - Consumer Credit Fairness Act and S.896 - Helping Families Save Their Homes Act of 2009.
Client expense: $365,000 · Firm income: Not reported
Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of, White House Office
2010 · second_quarter · Banking
HR 2563, Payday Lending Reform Act of 2009, all provisions; S. 500/HR 1608 - Protecting Consumers from Unreasonable Credit Rates Act of 2009, all provisions; H.R. 4173/S. 3217, the "Wall Street Reform and Consumer Protection Act." HR 1214 Payday Loan Reform Act of 2009, all provisions, to establish additional payday loan disclosure requirements and other protections for consumers, and for other purposes. S. 2824 Title: A bill to establish a small dollar loan-loss guarantee fund, and for other purposes. S. 257 - Consumer Credit Fairness Act, all provisions; H.R. 3126 Consumer Financial Protection Agency Act of 2009, all provisions. Sen. Dodd Mark-up/Reg Reform, no bill number H.R. 1846. CLEAR Act, To amend the Truth in Lending Act to establish additional payday loan disclosure requirements and preempt certain State laws, and for other purposes; H.R. 4173, Wall Street Reform and Consumer Protection Act.
Client expense: Not reported · Firm income: $90,000
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2010 · second_quarter · Banking
REGULATORY REFORM, GENERALLY; HR 2563, Payday Lending Reform Act of 2009, all provisions; S. 500/HR 1608 - Protecting Consumers from Unreasonable Credit Rates Act of 2009, all provisions; HR 1846, Consumer Lending Education and Reform Act, all provisions; HR 1214 Payday Loan Reform Act of 2009, all provisions, to establish additional payday loan disclosure requirements and other protections for consumers, and for other purposes. S. 2824 Title: A bill to establish a small dollar loan-loss guarantee fund, and for other purposes. S. 257 - Consumer Credit Fairness Act, all provisions; H.R. 3126 Consumer Financial Protection Agency Act of 2009, all provisions. H.R.2563 Title: To amend the Truth in Lending Act to establish additional protections for consumers with regard to payday loans, and for other purposes. H.R. 1846. CLEAR Act, To amend the Truth in Lending Act to establish additional payday loan disclosure requirements and preempt certain State laws, and for other purposes; H.R. 4173/S. 3217, Wall Street Reform and Consumer Protection Act, 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. Sen. Dodd draft version of the financial regulatory reform legislation
Client expense: Not reported · Firm income: $50,000
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2010 · second_quarter · Consumer Issues/Safety/Products
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
2010 · second_quarter · Financial Institutions/Investments/Securities
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
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2010 · second_quarter · Financial Institutions/Investments/Securities
Payday Loan Reform Act of 2009, H.R. 1214 Financial Product Safety Commission Act of 2009, S. 566 Protecting Consumers from Unreasonable Credit Rates Act of 2009, H.R. 1608, S. 500 Universal Default Prohibition Act of 2009, H.R. 1637 Consumer Financial Protection Agency Act of 2009, H.R. 3126 The Consumer Credit Fairness Act, S. 257
Client expense: Not reported · Firm income: $30,000
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2010 · first_quarter · Banking
HR 1214, HR 1608, HR 1640, HR 1846, HR 2309, HR 2563, HR 3126, HR 4173, S 257, S 500
Client expense: Not reported · Firm income: $20,000
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2010 · first_quarter · Banking
Lobbying issues were: CFPA (encouraging Congress to create an effective federal consumer-focused banking regulator); credit cards (encouraging Congress to speed up the implementation of the Federal Reserve's new regulations and to add additional consumer protections); overdraft loans (encouraging Congress to implement restrictions on abusive overdraft practices); payday loans (encouraging Congress to pass a 36% rate cap on consumer loans); [continued on next page] [continued from previous page] mortgage lending (encouraging Congress to prohibit abusive products and practices); mortgage loan modifications (encouraging Congress to provide incentives for servicers to modify loans to prevent foreclosures) Specific legislation that was subject of lobbying activity: S61: Helping Families Save their Homes in Bankruptcy Act of 2009 (to allow for judicial loan modification for primary residences through the bankruptcy code) S257: Consumer Credit Fairness Act (to require the bankruptcy court to disallow any claim arising from an abusive high cost consumer credit transaction) S414: Credit Card Accountability Responsibility and Disclosure Act of 2009 (to create consumer protections against credit card abusive practices) S500: Protecting Consumers from Unreasonable Credit Rates Act of 2009 (to create a federal 36% APR usury cap) S566: Financial Product Safety Commission Act of 2009 (to create a single agency to have strong rulewriting and enforcement authority in consumer financial transactions) S585: Taxpayer Abuse Prevention Act (to provide additional protections for recipients of the earned income tax credit) S1799: FAIR Overdraft Coverage Act of 2009 (to create federal protections against abusive and unfair overdraft practices) S2824: Amendment to Community Development Banking and Financial Institutions Act of 1994 to establish a small dollar loan-loss guarantee fund, and for other purposes (to establish a small dollar loan-loss guarantee fund that insures fair and affordable small dollar loans) HR200: Helping Families Save Their Homes in Bankruptcy Act of 2009 (to allow for judicial loan modification for primary residences through the bankruptcy code) HR225: Emergency Homeownership and Equity Protection Act (to allow for judicial loan modification for primary residences through the bankruptcy code) HR627: Credit Cardholders' Bill of Rights Act of 2009 (to create consumer protections against credit card abusive practices) HR1106: Helping Families Save their Homes Act of 2009 (to allow for judicial loan modification for primary residences through the bankruptcy code) HR1214: Payday Loan Reform Act of 2009 (to limit the most abusive aspects of payday loans) HR1456: Consumer Overdraft Protection Fair Practices Act (to create federal protections against abusive and unfair overdraft practices) HR1608: Protecting Consumers from Unreasonable Credit Rates Act of 2009 (to create a federal 36% APR usury cap) HR1637: Universal Default Prohibition Act of 2009 (to eliminate universal increases in interest rate on a credit card when cardholders default on accounts with other creditors) HR1705: Financial Product Safety Commission Act of 2009 (to create a single agency to have strong rulewriting and enforcement authority in consumer financial transactions) HR1728: Mortgage Reform and Anti-Predatory Lending Act (to protect consumers against abusive, unfair, or deceptive practices in the mortgage marketplace) HR1782: Fairness for Homeowners Act of 2009 (to protect consumers against abusive, unfair, or deceptive practices in the mortgage marketplace) HR1846: Consumer Lending Education And Reform Act (opposed the mere disclosure of abusive terms in payday loans and favored substantive consumer protections) HR2309: Consumer Credit and Debt Protection Act (to grant the FTC expedited rule-making authority) HR2563: Payday Lending Reform Act of 2009 (opposed the mere disclosure of abusive terms in payday loans and favored substantive consumer protections) HR3126: Consumer Financial Protection Agency Act of 2009 (to create a single agency to have strong rulewriting and enforcement authority in consumer financial transactions) HR3639: Expedited CARD Reform for Consumers Act of 2009 (to move up the effective date of the Credit CARD Act to December 1, 2009) HR3904: Overdraft Protection Act of 2009 (to create federal protections against abusive and unfair overdraft practices) HR4173: The Wall Street Reform and Consumer Protection Act of 2009 (to create a single agency to have strong rulewriting and enforcement authority in consumer financial transactions) HR4229: Borrowers' Right to Inspect Closing Documents Act of 2009 (to require more timely delivery of loan and closing documents to borrower) Senate regulatory reform draft bill (not yet introduced) (to create a single agency to have strong rulewriting and enforcement authority in consumer financial transactions) Senate payday alternatives amendment (not yet introduced) (to create an alterative for abusive small-dollar loans) Senate FDIC payday standard (not yet introduced) (to create consumer protections for payday loan borrowers) Executive branch agencies and issues: Federal Reserve - Truth In Lending rescission rules Dept. of Treasury - Consumer Financial Protection Agency FDIC GAO
Client expense: $130,000 · Firm income: Not reported
Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of
2010 · first_quarter · Bankruptcy
H.R. 200 - Helping Families Save Their Homes in Bankruptcy Act of 2009 S. 257 - Consumer Credit Fairness Act
Client expense: $1,355,308 · Firm income: Not reported
Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, Natl Economic Council (NEC), SENATE, Treasury, Dept of
2010 · first_quarter · Financial Institutions/Investments/Securities
H.R. 200 - Helping Families Save Their Homes in Bankruptcy Act of 2009 S. 61 - Helping Families Save Their Homes in Bankruptcy Act of 2009 S. 257 - Consumer Credit Fairness Act S. 3217 - Restoring American Financial Stability Act of 2010 Financial Crisis Responsibility Fee H.R. 627 Credit Cardholders' Bill of Rights Act of 2009 (Implementing Rule) S. 3098 Protect Our Recovery Through Oversight of Proprietary Trading Act of 2010
Client expense: $1,355,308 · Firm income: Not reported
Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, Natl Economic Council (NEC), SENATE, Treasury, Dept of
2010 · first_quarter · Banking
H.R. 200 - Helping Families Save Their Homes in Bankruptcy Act of 2009 H.R. 627 - Credit Cardholders' Bill of Rights Act of 2009 (Implementing Rule) H.R. 2382 - Credit Card Interchange Fees Act of 2009 (Welch Bill) S. 257 - Consumer credit Fairness Act H.R. 2695 Credit Card Fair Fee Act of 2009 S. 1212 Credit Card Fair Fee Act of 2009 S. 3217 Restoring American Financial Stability Act of 2010 Financial Crisis Responsibility Fee S. 3098 Protect Our Recovery Through Oversight of Proprietary Trading Act of 2010
Client expense: $1,355,308 · Firm income: Not reported
Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, Natl Economic Council (NEC), SENATE, Treasury, Dept of
2010 · first_quarter · Bankruptcy
Modifications to the bankruptcy code, including the following legislation: S.257 - Consumer Credit Fairness Act and S.896 - Helping Families Save Their Homes Act of 2009
Client expense: $380,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2010 · first_quarter · Banking
HR 2563, Payday Lending Reform Act of 2009, all provisions; S. 500/HR 1608 - Protecting Consumers from Unreasonable Credit Rates Act of 2009, all provisions; HR 1214 Payday Loan Reform Act of 2009, all provisions, to establish additional payday loan disclosure requirements and other protections for consumers, and for other purposes. S. 2824 Title: A bill to establish a small dollar loan-loss guarantee fund, and for other purposes. S. 257 - Consumer Credit Fairness Act, all provisions; H.R. 3126 Consumer Financial Protection Agency Act of 2009, all provisions. Sen. Dodd Mark-up/Reg Reform, no bill number H.R. 1846. CLEAR Act, To amend the Truth in Lending Act to establish additional payday loan disclosure requirements and preempt certain State laws, and for other purposes; H.R. 4173, Wall Street Reform and Consumer Protection Act.
Client expense: Not reported · Firm income: $90,000
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2010 · first_quarter · Bankruptcy
HR 200 Helping Families Save Their Homes in Bankruptcy Act of 2009 Bankruptcy Cram-Down Proposals S. 257 Consumer Credit Fairness Act S. 896 Helping Families Save Their Homes Act of 2009 S. 1731 Perserving Homes and Communities Act of 2009
Client expense: $1,060,000 · Firm income: Not reported
Government targets: Agriculture, Dept of (USDA), Farm Credit Administration, Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, 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), President of the U.S., SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, White House Office
2010 · first_quarter · Banking
REGULATORY REFORM, GENERALLY; HR 2563, Payday Lending Reform Act of 2009, all provisions; S. 500/HR 1608 - Protecting Consumers from Unreasonable Credit Rates Act of 2009, all provisions; HR 1846, Consumer Lending Education and Reform Act, all provisions; HR 1214 Payday Loan Reform Act of 2009, all provisions, to establish additional payday loan disclosure requirements and other protections for consumers, and for other purposes. S. 2824 Title: A bill to establish a small dollar loan-loss guarantee fund, and for other purposes. S. 257 - Consumer Credit Fairness Act, all provisions; H.R. 3126 Consumer Financial Protection Agency Act of 2009, all provisions. H.R.2563 Title: To amend the Truth in Lending Act to establish additional protections for consumers with regard to payday loans, and for other purposes. H.R. 1846. CLEAR Act, To amend the Truth in Lending Act to establish additional payday loan disclosure requirements and preempt certain State laws, and for other purposes; H.R. 4173, Wall Street Reform and Consumer Protection Act, 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. Sen. Dodd draft version of the financial regulatory reform legislation
Client expense: Not reported · Firm income: $50,000
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2010 · first_quarter · Financial Institutions/Investments/Securities
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
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2010 · first_quarter · Consumer Issues/Safety/Products
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
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2010 · first_quarter · Financial Institutions/Investments/Securities
Payday Loan Reform Act of 2009, H.R. 1214 Financial Product Safety Commission Act of 2009, S. 566 Protecting Consumers from Unreasonable Credit Rates Act of 2009, H.R. 1608, S. 500 Universal Default Prohibition Act of 2009, H.R. 1637 Interest Rate Reduction Act, H.R. 1640 The Consumer Credit Fairness Act, S. 257
Client expense: Not reported · Firm income: $30,000
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2010 · first_quarter · Automotive Industry
H.R.4213, Extension of Unrelated Business Income Tax Relief and Consumer Financial Protection Agency Act of 2009; S.202, Passenger Vehicle Loss Disclosure Act; H.R.1257, Damaged Vehicle Information Act; H.R.2743/S.1304, to restore the economic rights of automobile dealers; S.1733, Clean Energy Jobs and American Power Act; H.R.3170, Financial Services Appropriation; S.257, Consumer Credit Fainess Act; H.R.3126, Consumer Financial Protection Agency Act of 2009; and H.R.4173
Client expense: Not reported · Firm income: Not reported
2010 · first_quarter · Taxation/Internal Revenue Code
H.R.4213, Extension of Unrelated Business Income Tax Relief and Consumer Financial Protection Agency Act of 2009; S.202, Passenger Vehicle Loss Disclosure Act; H.R.1257, Damaged Vehicle Information Act; H.R.2743/S.1304, to restore the economic rights of automobile dealers; S.1733, Clean Energy Jobs and American Power Act; H.R.3170, Financial Services Appropriation; S.257, Consumer Credit Fainess Act; H.R.3126, Consumer Financial Protection Agency Act of 2009; and H.R.4173
Client expense: Not reported · Firm income: Not reported
2009 · third_quarter · Banking
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
Client expense: $360,000 · Firm income: Not reported
Government targets: Defense, Dept of (DOD), Education, Dept of, Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of
2009 · fourth_quarter · Bankruptcy
Please see addendum. S. 257, Consumer Credit Fairness Act, all provisions Issues related to the Bankruptcy Reform Act of 2005 H.R. 1106, Helping Families Save Their Homes Act, Title 1, all provisions
Client expense: $1,060,000 · 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), Justice, Dept of (DOJ), Natl Credit Union Administration (NCUA), Office of the Vice President of the United States, SENATE, Small Business Administration (SBA), Treasury, Dept of
2009 · third_quarter · Bankruptcy
S. 257, Consumer Credit Fairness Act, all provisions Issues related to the Bankruptcy Reform Act of 2005.
Client expense: $860,000 · 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), Justice, Dept of (DOJ), Natl Credit Union Administration (NCUA), Office of the Vice President of the United States, SENATE, Small Business Administration (SBA), Treasury, Dept of