Nationwide Mortgage Fraud Task Force Act of 2009

H.R. 12 American Jobs Act of 2011 H.R. 1540 National Defense Authorization Act for Fiscal Year 2012 H.R. 1585 State Highway Flexibility Act H.R. 2219 Department of Defense Appropriations Act for Fiscal Year 2012 H.R. 2354 Energy and Water Development and Related Agencies Appropriations Act H.R. 2560 Cut, Cap and Balance Act of 2011 H.R. 2608 Continuing Appropriations Act of 2012 H.R. 2693 Budget Control Act of 2011 H.R. 44 Guam World War II Loyalty Recognition Act S. 1253 National Defense Authorization Act for Fiscal Year 2012 S. 1651 Honest Budget Act S. 365 Budget Control Act S. 627 Budget Control Act of 2011

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

Government targets: Energy, Dept of, Environmental Protection Agency (EPA), Executive Office of the President (EOP), Federal Communications Commission (FCC), HOUSE OF REPRESENTATIVES, SENATE, State, Dept of (DOS), U.S. Trade Representative (USTR)

H.R. 1728 - To amend the Truth in Lending Act to reform consumer mortgage practices and provide accountability for such practices, to provide certain minimum standards for consumer mortgage loans, and for other purposes. H.R. 1479 - To enhance the availability of capital, credit, and other banking and financial services for all citizens and communities, to ensure that community reinvestment requirements are updated to account for changes in the financial industry and that reinvestment requirements keep pace as banks, securities firms, and other financial service providers become affiliates as a result of the enactment of the Gramm-Leach-Bliley Act, and for other purposes. H.R. 2483 - Increasing Homeownership Opportunities Act - Amends the Federal Home Loan Mortgage Corporation Act and the Federal National Mortgage Association Charter Act to increase limitations on the maximum original principal obligation of mortgages that may purchased by the Federal National Mortgage Association (Fannie Mae) and the Federal Home Loan Mortgage Corporation Association (Freddie Mac). H.R. 3126 - Consumer Financial Protection Agency Act of 2009 - Establishes the Consumer Financial Protection Agency as an independent executive agency to regulate the provision of consumer financial products or services (products or services). H.R. 3288 - Transportation, Housing and Urban Development, and Related Agencies Appropriations Act, 2010 - Includes language to expand current GSE & FHA Loan Limits through Fiscal Year 2010. H.R. 3380 - Promoting Lending to America's Small Businesses Act of 2009 - 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. H.R. 4173 - Wall Street Reform and Consumer Protection Act - Creates a Consumer Financial Protection Agency (CFPA) to monitor any consumer financial products, creates the Federal Insurance Office (FIO) to advise Treasury on major domestic and international insurance policy issues, requires new appraisal rules no later than 60 days after the bill is enacted and would sunset the HVCC, creates a council of federal regulators to oversee the financial system for companies that pose a systemic risk, attempts to make some regulatory simplification, but does not eliminate all the different regulatory bodies. H.R. 5072 - FHA Reform Act of 2010 - To improve the financial safety and soundness of the FHA mortgage insurance program. H.R. 6256 - Strengthening FHA through Shared Equity Homeownership Act - Would crete a shared equity homeownership program under FHA. H.R. 6260 - Homeowners Equity Protection Act - Would prohibit private transfer fees on real properties, except for certain exclusions. S. 365 - Nationwide Mortgage Fraud Task Force Act of 2009 - Establishes in the Department of Justice (DOJ) a Nationwide Mortgage Fraud Task Force to: (1) establish branches in the 10 states with the highest concentration of mortgage fraud; (2) establish coordinating entities, and solicit the voluntary participation of federal, state, and local law enforcement and prosecutorial agencies, to organize initiatives to address mortgage fraud; (3) train such agencies; (4) collect and disseminate mortgage fraud data; and (5) perform other related functions. C.A.R. lobbied concerning the future of the GSE's (Fannie Mae and Freddie Mac) and their future regulatory structure. C.A.R. monitored and discussed with members of Congress the potential impact on the availability of capital in the housing market when the Federal Reserve ended its $1.25 trillion purchase of mortgage-backed-securities at the end of the 1stQ 2010. C.A.R. submitted a comment letter to HUD on their proposed rule implementing the SAFE Act and its application to real estate transactions that involve seller financing. C.A.R. commented to the Treasury, Fannie Mae and Freddie Mac regarding their implementation of the Home Affordable Foreclosure Alternatives Program and how language in their proposed form will impact real estate agents involved in a HAFA short sale and how to improve the HAFA process. C.A.R. commented to Fannie Mae, Freddie Mac and FHFA regarding "Private Transfer Fees." C.A.R. asked them to issue guidelines opposing these fees and refuse to purchase, guarantee or insure mortgages taht have these fees on title. C.A.R. commented to the Federal Housing Finance Agency on their proposed guidelines regarding Private Transfer Fee Covenants. C.A.R. commented to the U.S. Treasury Department on their Request for Public Input on Reform of the Housing Finance System.

H.R. 4173, the Wall Street Reform and consumer Protection Act of 2009 - Discussed implementation of legislation. Discussed legislation to be introduced to enhance current protections for borrowers and prospective borrowers of FHA-insured Home Equity Conversion Mortgages (HECM) and provide for new disclosure, marketing and underwriting standards for non-HECM reverse mortgages. (no bill) S. 118 Supportive Housing for the Elderly Act - Discussed legislation to provide for rehabilitation of existing rental housing units constructed under the HUD Section 202 housing program and to allow greater flexibility in combining HUD rehabilitation funding with other sources of funding, and to modify The Assisted Living Conversion Program. H.R. 1408 Inclusive Home Design Act of 2009 - Discussed legislation to require all newly constructed and federally-assisted single-family house to meet minimum standards of accessibility and visitability by persons with disabilities. Home Equity Conversion Mortgage Program Amendments - Discussed draft amendments to upcoming housing legislation to change calculation of premium costs relating to reverse mortgages for manufactured housing units on fixed foundations under HUD's Home Equity Conversion Mortgage program (no bill). H.R. 5850/S. 3644, Transportation, HUD and related agencies appropriations bill for FY 2011 - Lobbied for HECM credit subsidy, senior housing construction and rental assistance, and senior transit programs. (no bill) H.R. 529/S.365, Nationwide Mortgage Fraud Taskforce Act of 2009 - Discussed establishing taskforce in Department of Justice. Discussed proposed legislation to update program requirements and enhance consumer protections for borrowers of Home Equity Conversion Mortgages. (no bill) H.R. 3081, Continuing Resolution, FY 2011 - Lobbied for funding for HECM reverse mortgage subsidy and public housing and Section 202, Housing for the Elderly programs. H.R. 4868, The Housing Preservation and Tenant Protection Act of 2010- Discussed provisions regarding Sec. 202, Housing for the Elderly, and its assisted living conversion grant program, that prevents the loss of affordable housing dwelling units in the United States. H.R. 5814, Public Housing Reinvestment and Tenant Protection Act of 2010- Discussed creating a new assisted living/service enriched housing conversion grant program and pilot program for training public housing residents to be home health care providers. Fair Housing Act - Discussed potential introduction of an update to the Fair Housing Act. (no bill)

H.R. 1728 - To amend the Truth in Lending Act to reform consumer mortgage practices and provide accountability for such practices, to provide certain minimum standards for consumer mortgage loans, and for other purposes. H.R. 1479 - To enhance the availability of capital, credit, and other banking and financial services for all citizens and communities, to ensure that community reinvestment requirements are updated to account for changes in the financial industry and that reinvestment requirements keep pace as banks, securities firms, and other financial service providers become affiliates as a result of the enactment of the Gramm-Leach-Bliley Act, and for other purposes. H.R. 2483 - Increasing Homeownership Opportunities Act - Amends the Federal Home Loan Mortgage Corporation Act and the Federal National Mortgage Association Charter Act to increase limitations on the maximum original principal obligation of mortgages that may purchased by the Federal National Mortgage Association (Fannie Mae) and the Federal Home Loan Mortgage Corporation Association (Freddie Mac). H.R. 3126 - Consumer Financial Protection Agency Act of 2009 - Establishes the Consumer Financial Protection Agency as an independent executive agency to regulate the provision of consumer financial products or services (products or services). H.R. 3288 - Transportation, Housing and Urban Development, and Related Agencies Appropriations Act, 2010 - Includes language to expand current GSE & FHA Loan Limits through Fiscal Year 2010. H.R. 3380 - Promoting Lending to America's Small Businesses Act of 2009 - 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. H.R. 4173 - Wall Street Reform and Consumer Protection Act - Creates a Consumer Financial Protection Agency (CFPA) to monitor any consumer financial products, creates the Federal Insurance Office (FIO) to advise Treasury on major domestic and international insurance policy issues, requires new appraisal rules no later than 60 days after the bill is enacted and would sunset the HVCC, creates a council of federal regulators to oversee the financial system for companies that pose a systemic risk, attempts to make some regulatory simplification, but does not eliminate all the different regulatory bodies. H.R. 5072 - FHA Reform Act of 2010 - To improve the financial safety and soundness of the FHA mortgage insurance program. H.R. 6256 - Strengthening FHA through Shared Equity Homeownership Act - Would crete a shared equity homeownership program under FHA. H.R. 6260 - Homeowners Equity Protection Act - Would prohibit private transfer fees on real properties, except for certain exclusions. S. 365 - Nationwide Mortgage Fraud Task Force Act of 2009 - Establishes in the Department of Justice (DOJ) a Nationwide Mortgage Fraud Task Force to: (1) establish branches in the 10 states with the highest concentration of mortgage fraud; (2) establish coordinating entities, and solicit the voluntary participation of federal, state, and local law enforcement and prosecutorial agencies, to organize initiatives to address mortgage fraud; (3) train such agencies; (4) collect and disseminate mortgage fraud data; and (5) perform other related functions. C.A.R. lobbied concerning the future of the GSE's (Fannie Mae and Freddie Mac) and their future regulatory structure. C.A.R. monitored and discussed with members of Congress the potential impact on the availability of capital in the housing market when the Federal Reserve ended its $1.25 trillion purchase of mortgage-backed-securities at the end of the 1stQ 2010. C.A.R. submitted a comment letter to HUD on their proposed rule implementing the SAFE Act and its application to real estate transactions that involve seller financing. C.A.R. commented to the Treasury, Fannie Mae and Freddie Mac regarding their implementation of the Home Affordable Foreclosure Alternatives Program and how language in their proposed form will impact real estate agents involved in a HAFA short sale. C.A.R. commented to Fannie Mae, Freddie Mac and FHFA regarding "Private Transfer Fees." C.A.R. asked them to issue guidelines opposing these fees and refuse to purchase, guarantee or insure mortgages taht have these fees on title. C.A.R. commented to the Federal Housing Finance Agency on their proposed guidelines regarding Private Transfer Fee Covenants. C.A.R. commented to the U.S. Treasury Department on their Request for Public Input on Reform of the Housing Finance System.

H.R. 4173, the Wall Street Reform and Consumer Protection Act of 2009 - Lobbied in favor of financial regulatory reforms, including consumer and investor protections, a potential systemic risk regulator, and consolidation of agencies. Discussed legislation to be introduced to enhance current protections for borrowers and prospective borrowers of FHA-insured Home Equity Conversion Mortgages (HECM) and provide for new disclosure, marketing and underwriting standards for non-HECM reverse mortgages. (no bill) S. 118 Supportive Housing for the Elderly Act - Discussed legislation to provide for rehabilitation of existing rental housing units constructed under the HUD Section 202 housing program and to allow greater flexibility in combining HUD rehabilitation funding with other sources of funding, and to modify The Assisted Living Conversion Program. H.R. 1408 Inclusive Home Design Act of 2009 - Discussed legislation to require all newly constructed and federally-assisted single-family house to meet minimum standards of accessibility and visitability by persons with disabilities. Home Equity Conversion Mortgage Program Amendments - Discussed draft amendments to upcoming housing legislation to change calculation of premium costs relating to reverse mortgages for manufactured housing units on fixed foundations under HUD's Home Equity Conversion Mortgage program (no bill). Transportation, HUD and related agencies appropriations bill for FY 2011 - Lobbied for HECM credit subsidy, senior housing construction and rental assistance, and senior transit programs. (no bill) H.R. 529/S.365, Nationwide Mortgage Fraud Taskforce Act of 2009 - Discussed establishing taskforce in Department of Justice. Discussed proposed legislation to update program requirements and enhance consumer protections for borrowers of Home Equity Conversion Mortgages. (no bill)

Client expense: $4,250,000 · Firm income: Not reported

H.R. 4173, the Wall Street Reform and consumer Protection Act of 2009 - Lobbied in favor of financial regulatory reforms, including consumer and investor protections, a potential systemic risk regular, and consolidation of agencies. Discussed legislation to be introduced to enhance current protections for borrowers and prospective borrowers of FHA-insured Home Equity Conversion Mortgages (HECM) and provide for new disclosure, marketing and underwriting standards for non-HECM reverse mortgages. (no bill) S. 118 Supportive Housing for the Elderly Act - Discussed legislation to provide for rehabilitation of existing rental housing units constructed under the HUD Section 202 housing program and to allow greater flexibility in combining HUD rehabilitation funding with other sources of funding, and to modify The Assisted Living Conversion Program. H.R. 1408 Inclusive Home Design Act of 2009 - Discussed legislation to require all newly constructed and federally-assisted single-family house to meet minimum standards of accessibility and visitability by persons with disabilities. Home Equity Conversion Mortgage Program Amendments - Discussed draft amendments to upcoming housing legislation to change calculation of premium costs relating to reverse mortgages for manufactured housing units on fixed foundations under HUD's Home Equity Conversion Mortgage program (no bill). Transportation, HUD and related agencies appropriations bill for FY 2011 - Lobbied for HECM credit subsidy, senior housing construction and rental assistance, and senior transit programs. (no bill) H.R. 529/S.365, Nationwide Mortgage Fraud Taskforce Act of 2009 - Discussed establishing taskforce in Department of Justice. Discussed proposed legislation to update program requirements and enhance consumer protections for borrowers of Home Equity Conversion Mortgages. (no bill)

Client expense: $4,250,000 · Firm income: Not reported

H.R. 1728 - To amend the Truth in Lending Act to reform consumer mortgage practices and provide accountability for such practices, to provide certain minimum standards for consumer mortgage loans, and for other purposes. H.R. 1479 - To enhance the availability of capital, credit, and other banking and financial services for all citizens and communities, to ensure that community reinvestment requirements are updated to account for changes in the financial industry and that reinvestment requirements keep pace as banks, securities firms, and other financial service providers become affiliates as a result of the enactment of the Gramm-Leach-Bliley Act, and for other purposes. H.R. 2483 - Increasing Homeownership Opportunities Act - Amends the Federal Home Loan Mortgage Corporation Act and the Federal National Mortgage Association Charter Act to increase limitations on the maximum original principal obligation of mortgages that may purchased by the Federal National Mortgage Association (Fannie Mae) and the Federal Home Loan Mortgage Corporation Association (Freddie Mac). H.R. 3126 - Consumer Financial Protection Agency Act of 2009 - Establishes the Consumer Financial Protection Agency as an independent executive agency to regulate the provision of consumer financial products or services (products or services). H.R. 3288 - Transportation, Housing and Urban Development, and Related Agencies Appropriations Act, 2010 - Includes language to expand current GSE & FHA Loan Limits through Fiscal Year 2010. H.R. 3380 - Promoting Lending to America's Small Businesses Act of 2009 - 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. H.R. 4173 - Wall Street Reform and Consumer Protection Act - Creates a Consumer Financial Protection Agency (CFPA) to monitor any consumer financial products, creates the Federal Insurance Office (FIO) to advise Treasury on major domestic and international insurance policy issues, requires new appraisal rules no later than 60 days after the bill is enacted and would sunset the HVCC, creates a council of federal regulators to oversee the financial system for companies that pose a systemic risk, attempts to make some regulatory simplification, but does not eliminate all the different regulatory bodies. H.R. 5072 - FHA Reform Act of 2010 - To improve the financial safety and soundness of the FHA mortgage insurance program. S. 365 - Nationwide Mortgage Fraud Task Force Act of 2009 - Establishes in the Department of Justice (DOJ) a Nationwide Mortgage Fraud Task Force to: (1) establish branches in the 10 states with the highest concentration of mortgage fraud; (2) establish coordinating entities, and solicit the voluntary participation of federal, state, and local law enforcement and prosecutorial agencies, to organize initiatives to address mortgage fraud; (3) train such agencies; (4) collect and disseminate mortgage fraud data; and (5) perform other related functions. C.A.R. lobbied concerning the future of the GSE's (Fannie Mae and Freddie Mac) and their future regulatory structure. C.A.R. monitored and discussed with members of Congress the potential impact on the availability of capital in the housing market when the Federal Reserve ended its $1.25 trillion purchase of mortgage-backed-securities at the end of the 1stQ 2010. C.A.R. submitted a comment letter to HUD on their proposed rule implementing the SAFE Act and its application to real estate transactions that involve seller financing. C.A.R. commented to the Treasury, Fannie Mae and Freddie Mac regarding their implementation of the Home Affordable Foreclosure Alternatives Program and how language in their proposed form will impact real estate agents involved in a HAFA short sale. C.A.R. commented to Fannie Mae, Freddie Mac and FHA regarding "Private Transfer Fees." C.A.R. asked them to issue guidelines opposing these fees and refuse to purchase, guarantee or insure mortgages that have these fees on title.

H. R. 1728, Mortgage Reform and Anti-Predatory Lending Act - Discussed proposed Duty of Care Standards for mortgage originators, the adequacy of proposed enforcement and the need for, and applicability of such standards for reverse mortgages. Discussed legislation to be introduced to enhance current protections for borrowers and prospective borrowers of FHA-insured Home Equity Conversion Mortgages (HECM) and provide for new disclosure, marketing and underwriting standards for non-HECM reverse mortgages. (no bill) S. 118 Supportive Housing for the Elderly Act - Discussed legislation to provide for rehabilitation of existing rental housing units constructed under the HUD Section 202 housing program and to allow greater flexibility in combining HUD rehabilitation funding with other sources of funding. H.R. 1408 Inclusive Home Design Act of 2009 - Discussed legislation to require all newly constructed and federally-assisted single-family house to meet minimum standards of accessibility and visitability by persons with disabilities. Home Equity Conversion Mortgage Program Amendments - Discussed draft amendments to upcoming housing legislation to change calculation of premium costs relating to reverse mortgages for manufactured housing units on fixed foundations under HUD's Home Equity Conversion Mortgage program (no bill). Transportation, HUD and related agencies appropriations bill for FY 2011 - Lobbied for HECM credit subsidy, senior housing construction and rental assistance, and senior transit programs. (no bill) H.R. 529/S.365, Nationwide Mortgage Fraud Taskforce Act of 2009 - Discussed establishing taskforce in Department of Justice. Disucssed proposed legislation to update program requirements and enhance consumer protections fore borrowers of Home Equity conversion Mortgages (no bill).

Client expense: $3,970,000 · Firm income: Not reported

H. R. 1728, Mortgage Reform and Anti-Predatory Lending Act - Discussed proposed Duty of Care Standards for mortgage originators, the adequacy of proposed enforcement and the need for, and applicability of such standards for reverse mortgages. Discussed legislation to be introduced to enhance current protections for borrowers and prospective borrowers of FHA-insured Home Equity Conversion Mortgages (HECM) and provide for new disclosure, marketing and underwriting standards for non-HECM reverse mortgages. (no bill) S. 118 Supportive Housing for the Elderly Act - Discussed legislation to provide for rehabilitation of existing rental housing units constructed under the HUD Section 202 housing program and to allow greater flexibility in combining HUD rehabilitation funding with other sources of funding. H.R. 1408 Inclusive Home Design Act of 2009 - Discussed legislation to require all newly constructed and federally-assisted single-family house to meet minimum standards of accessibility and visitability by persons with disabilities. Home Equity Conversion Mortgage Program Amendments - Discussed draft amendments to upcoming housing legislation to change calculation of premium costs relating to reverse mortgages for manufactured housing units on fixed foundations under HUD's Home Equity Conversion Mortgage program (no bill). Transportation, HUD and related agencies appropriations bill for FY 2011 - Lobbied for HECM credit subsidy, senior housing construction and rental assistance, and senior transit programs. (no bill) H.R. 529/S.365, Nationwide Mortgage Fraud Taskforce Act of 2009 - Discussed establishing taskforce in Department of Justice. Disucssed proposed legislation to update program requirements and enhance consumer protections fore borrowers of Home Equity conversion Mortgages (no bill).

Client expense: $3,970,000 · Firm income: Not reported

H.R. 1728 - To amend the Truth in Lending Act to reform consumer mortgage practices and provide accountability for such practices, to provide certain minimum standards for consumer mortgage loans, and for other purposes. H.R. 1479 - To enhance the availability of capital, credit, and other banking and financial services for all citizens and communities, to ensure that community reinvestment requirements are updated to account for changes in the financial industry and that reinvestment requirements keep pace as banks, securities firms, and other financial service providers become affiliates as a result of the enactment of the Gramm-Leach-Bliley Act, and for other purposes. H.R. 2483 - Increasing Homeownership Opportunities Act - Amends the Federal Home Loan Mortgage Corporation Act and the Federal National Mortgage Association Charter Act to increase limitations on the maximum original principal obligation of mortgages that may purchased by the Federal National Mortgage Association (Fannie Mae) and the Federal Home Loan Mortgage Corporation Association (Freddie Mac). H.R. 3126 - Consumer Financial Protection Agency Act of 2009 - Establishes the Consumer Financial Protection Agency as an independent executive agency to regulate the provision of consumer financial products or services (products or services). H.R. 3288 - Transportation, Housing and Urban Development, and Related Agencies Appropriations Act, 2010 - Includes language to expand current GSE & FHA Loan Limits through Fiscal Year 2010. H.R. 4173 - Wall Street Reform and Consumer Protection Act - Creates a Consumer Financial Protection Agency (CFPA) to monitor any consumer financial products, creates the Federal Insurance Office (FIO) to advise Treasury on major domestic and international insurance policy issues, requires new appraisal rules no later than 60 days after the bill is enacted and would sunset the HVCC, creates a council of federal regulators to oversee the financial system for companies that pose a systemic risk, attempts to make some regulatory simplification, but does not eliminate all the different regulatory bodies. S. 365 - Nationwide Mortgage Fraud Task Force Act of 2009 - Establishes in the Department of Justice (DOJ) a Nationwide Mortgage Fraud Task Force to: (1) establish branches in the 10 states with the highest concentration of mortgage fraud; (2) establish coordinating entities, and solicit the voluntary participation of federal, state, and local law enforcement and prosecutorial agencies, to organize initiatives to address mortgage fraud; (3) train such agencies; (4) collect and disseminate mortgage fraud data; and (5) perform other related functions. C.A.R. lobbied concerning the future of the GSE's (Fannie Mae and Freddie Mac) and their future regulatory structure. C.A.R. monitored and discussed with members of Congress the potential impact on the availability of capital in the housing market when the Federal Reserve ended its $1.25 trillion purchase of mortgage-backed-securities at the end of the 1stQ 2010. C.A.R. submitted a comment letter to HUD on their proposed rule implementing the SAFE Act and its application to real estate transactions that involve seller financing. C.A.R. commented to the Treasury regarding its implementation of the Home Affordable Foreclosure Alternatives Program and how language in their proposed form will impact real estate agents involved in a HAFA short sale.

S.61, Helping Families Save Their Homes in Bankruptcy Act of 2009, S.896, Helping Families Save Their Homes Act of 2009 - Discussed legislation to amend the Bankruptcy Code to permit changes in the terms of mortgages for a debtor's primary residence in Chapter 13 proceedings. H.R. 1728 Mortgage Reform and Anti-Predatory Lending Act - Discussed proposed Duty of Care standards for mortgage originators, the adequacy of proposed enforcement and the need for, and applicability of such standards for reverse mortgages. Discussed legislation to be introduced to enhance current protections for borrowers and prospective borrowers of FHA-insured Home Equity Conversion Mortgages (HECM) and provide for new disclosure, marketing and underwriting standards for non-HECM reverse mortgages. (no bill) S. 118 Supportive Housing for the Elderly Act - Discussed legislation to provide for rehabilitation of existing rental housing units constructed under the HUD Section 202 housing program and to allow greater flexibility in combining HUD rehabilitation funding with other sources of funding. S. 117 Forclosure Rescue Fraud Act of 2009 - Discussed legislation to protect homeowners facing foreclosure from foreclosure consultant frauds that result in excessive fees, shifting of ownership or liens in a home, or other loss to the homeowner. H.R. 1408 Inclusive Home Design Act of 2009 - Discussed legislation to require all newly constructed and federally-assisted single-family house to meet minimum standards of accessibility and visitability by persons with disabilities. Home Equity Conversion Mortgage Program Amendments - Discussed draft amendments to upcoming housing legislation to change calculation of premium costs relating to reverse mortgages for manufactured housing units on fixed foundations under HUD's Home Equity Conversion Mortgage program (no bill). H.R. 3288, Transportation, HUD and related agencies appropriations bill for FY 2010 - Lobbied for HECM credit subsidy, senior housing construction and rental assistance, and senior transit programs. H.R.529/S.365, Nationwide Mortgage Fraud Taskforce Act of 2009 - Discussed establishing taskforce in Deaprtment of Justice. Discussed proposed legislation to update program requirements and enhance consumer protections for borrowers of Home Equity conversion Mortgages (no bill).

S.61, Helping Families Save Their Homes in Bankruptcy Act of 2009, S.896, Helping Families Save Their Homes Act of 2009 - Discussed legislation to amend the Bankruptcy Code to permit changes in the terms of mortgages for a debtor's primary residence in Chapter 13 proceedings. H.R. 1728 Mortgage Reform and Anti-Predatory Lending Act - Discussed proposed Duty of Care standards for mortgage originators, the adequacy of proposed enforcement and the need for, and applicability of such standards for reverse mortgages. Discussed legislation to be introduced to enhance current protections for borrowers and prospective borrowers of FHA-insured Home Equity Conversion Mortgages (HECM) and provide for new disclosure, marketing and underwriting standards for non-HECM reverse mortgages. (no bill) S. 118 Supportive Housing for the Elderly Act - Discussed legislation to provide for rehabilitation of existing rental housing units constructed under the HUD Section 202 housing program and to allow greater flexibility in combining HUD rehabilitation funding with other sources of funding. S. 117 Forclosure Rescue Fraud Act of 2009 - Discussed legislation to protect homeowners facing foreclosure from foreclosure consultant frauds that result in excessive fees, shifting of ownership or liens in a home, or other loss to the homeowner. H.R. 1408 Inclusive Home Design Act of 2009 - Discussed legislation to require all newly constructed and federally-assisted single-family house to meet minimum standards of accessibility and visitability by persons with disabilities. Home Equity Conversion Mortgage Program Amendments - Discussed draft amendments to upcoming housing legislation to change calculation of premium costs relating to reverse mortgages for manufactured housing units on fixed foundations under HUD's Home Equity Conversion Mortgage program (no bill). H.R. 3288, Transportation, HUD and related agencies appropriations bill for FY 2010 - Lobbied for HECM credit subsidy, senior housing construction and rental assistance, and senior transit programs. H.R.529/S.365, Nationwide Mortgage Fraud Taskforce Act of 2009 - Discussed establishing taskforce in Deaprtment of Justice. Discussed proposed legislation to update program requirements and enhance consumer protections for borrowers of Home Equity conversion Mortgages (no bill).

H.R. 1728 - To amend the Truth in Lending Act to reform consumer mortgage practices and provide accountability for such practices, to provide certain minimum standards for consumer mortgage loans, and for other purposes. H.R. 1479 - To enhance the availability of capital, credit, and other banking and financial services for all citizens and communities, to ensure that community reinvestment requirements are updated to account for changes in the financial industry and that reinvestment requirements keep pace as banks, securities firms, and other financial service providers become affiliates as a result of the enactment of the Gramm-Leach-Bliley Act, and for other purposes. H.R. 2483 - Increasing Homeownership Opportunities Act - Amends the Federal Home Loan Mortgage Corporation Act and the Federal National Mortgage Association Charter Act to increase limitations on the maximum original principal obligation of mortgages that may purchased by the Federal National Mortgage Association (Fannie Mae) and the Federal Home Loan Mortgage Corporation Association (Freddie Mac). H.R. 3126 - Consumer Financial Protection Agency Act of 2009 - Establishes the Consumer Financial Protection Agency as an independent executive agency to regulate the provision of consumer financial products or services (products or services). H.R. 3288 - Transportation, Housing and Urban Development, and Related Agencies Appropriations Act, 2010 - Includes language to expand current GSE & FHA Loan Limits through Fiscal Year 2010. H.R. 4173 - Wall Street Reform and Consumer Protection Act - Creates a Consumer Financial Protection Agency (CFPA) to monitor any consumer financial products, creates the Federal Insurance Office (FIO) to advise Treasury on major domestic and international insurance policy issues, requires new appraisal rules no later than 60 days after the bill is enacted and would sunset the HVCC, creates a council of federal regulators to oversee the financial system for companies that pose a systemic risk, attempts to make some regulatory simplification, but does not eliminate all the different regulatory bodies. S. 365 - Nationwide Mortgage Fraud Task Force Act of 2009 - Establishes in the Department of Justice (DOJ) a Nationwide Mortgage Fraud Task Force to: (1) establish branches in the 10 states with the highest concentration of mortgage fraud; (2) establish coordinating entities, and solicit the voluntary participation of federal, state, and local law enforcement and prosecutorial agencies, to organize initiatives to address mortgage fraud; (3) train such agencies; (4) collect and disseminate mortgage fraud data; and (5) perform other related functions. C.A.R. lobbied concerning the future of the GSE's (Fannie Mae and Freddie Mac) and their future regulatory structure.

S.61, Helping Families Save Their Homes in Bankruptcy Act of 2009, S.896, Helping Families Save Their Homes Act of 2009 - Discussed legislation to amend the Bankruptcy Code to permit changes in the terms of mortgages for a debtor's primary residence in Chapter 13 proceedings. H.R. 1728 Mortgage Reform and Anti-Predatory Lending Act - Discussed proposed Duty of Care standards for mortgage originators, the adequacy of proposed enforcement and the need for, and applicability of such standards for reverse mortgages. Discussed legislation to be introduced to enhance current protections for borrowers and prospective borrowers of FHA-insured Home Equity Conversion Mortgages (HECM) and provide for new disclosure, marketing and underwriting standards for non-HECM reverse mortgages. (no bill) S. 118 Supportive Housing for the Elderly Act - Discussed legislation to provide for rehabilitation of existing rental housing units constructed under the HUD Section 202 housing program and to allow greater flexibility in combining HUD rehabilitation funding with other sources of funding. S. 117 Forclosure Rescue Fraud Act of 2009 - Discussed legislation to protect homeowners facing foreclosure from foreclosure consultant frauds that result in excessive fees, shifting of ownership or liens in a home, or other loss to the homeowner. H.R. 1408 Inclusive Home Design Act of 2009 - Discussed legislation to require all newly constructed and federally-assisted single-family house to meet minimum standards of accessibility and visitability by persons with disabilities. Home Equity Conversion Mortgage Program Amendments - Discussed draft amendments to upcoming housing legislation to change calculation of premium costs relating to reverse mortgages for manufactured housing units on fixed foundations under HUD's Home Equity Conversion Mortgage program (no bill). H.R. 3288, Transportation, HUD and related agencies appropriations bill for FY 2010 - Lobbied for HECM credit subsidy, senior housing construction and rental assistance, and senior transit programs. H.R.529/S.365, Nationwide Mortgage Fraud Taskforce Act of 2009 - Discussed establishing taskforce in Deaprtment of Justice. Discussed proposed legislation by Sen. McCaskill to update program requirements and enhance consumer protections for borrowers of Home Equity conversion Mortgages (no bill).

S.61, Helping Families Save Their Homes in Bankruptcy Act of 2009, S.896, Helping Families Save Their Homes Act of 2009 - Discussed legislation to amend the Bankruptcy Code to permit changes in the terms of mortgages for a debtor's primary residence in Chapter 13 proceedings. H.R. 1728 Mortgage Reform and Anti-Predatory Lending Act - Discussed proposed Duty of Care standards for mortgage originators, the adequacy of proposed enforcement and the need for, and applicability of such standards for reverse mortgages. Discussed legislation to be introduced to enhance current protections for borrowers and prospective borrowers of FHA-insured Home Equity Conversion Mortgages (HECM) and provide for new disclosure, marketing and underwriting standards for non-HECM reverse mortgages. (no bill) S. 118 Supportive Housing for the Elderly Act - Discussed legislation to provide for rehabilitation of existing rental housing units constructed under the HUD Section 202 housing program and to allow greater flexibility in combining HUD rehabilitation funding with other sources of funding. S. 117 Forclosure Rescue Fraud Act of 2009 - Discussed legislation to protect homeowners facing foreclosure from foreclosure consultant frauds that result in excessive fees, shifting of ownership or liens in a home, or other loss to the homeowner. H.R. 1408 Inclusive Home Design Act of 2009 - Discussed legislation to require all newly constructed and federally-assisted single-family house to meet minimum standards of accessibility and visitability by persons with disabilities. Home Equity Conversion Mortgage Program Amendments - Discussed draft amendments to upcoming housing legislation to change calculation of premium costs relating to reverse mortgages for manufactured housing units on fixed foundations under HUD's Home Equity Conversion Mortgage program (no bill). H.R. 3288, Transportation, HUD and related agencies appropriations bill for FY 2010 - Lobbied for HECM credit subsidy, senior housing construction and rental assistance, and senior transit programs. H.R.529/S.365, Nationwide Mortgage Fraud Taskforce Act of 2009 - Discussed establishing taskforce in Deaprtment of Justice. Discussed proposed legislation by Sen. McCaskill to update program requirements and enhance consumer protections for borrowers of Home Equity conversion Mortgages (no bill).

H.R. 703 - Amends the Federal Deposit Insurance Act and the Emergency Economic Stabilization Act of 2008 (EESA) to make permanent the increase in the standard maximum deposit insurance amount from $100,000 to $250,000. H.R 476 - Housing Fairness Act of 2009 - Instructs the Secretary of Housing and Urban Development to conduct, and report to Congress on, a nationwide testing program to: (1) detect and document differences in the treatment of persons seeking to rent or purchase housing or obtain or refinance a home mortgage loan; (2) measure patterns of adverse treatment because of the race, color, religion, sex, familial status, disability status, or national origin of a renter, home buyer, or borrower; and (3) measure the prevalence of such discriminatory practices across housing and mortgage lending markets. H.R. 786 - Amends the Federal Deposit Insurance Act (FDIA) and the Federal Credit Union Act (FCUA) to redefine the standard maximum deposit insurance amount and the standard maximum share insurance amount as being $250,000, respectively (thus making such increase permanent). H.R. 1116 -To improve the process through which loan originators participate in FHA mortgage programs,and for other purposes. H.R. 1479 - To enhance the availability of capital, credit, and other banking and financial services for all citizens and communities, to ensure that community reinvestment requirements are updated to account for changes in the financial industry and that reinvestment requirements keep pace as banks, securities firms, and other financial service providers become affiliates as a result of the enactment of the Gramm-Leach-Bliley Act, and for other purposes. H.R. 1728 - To amend the Truth in Lending Act to reform consumer mortgage practices and provide accountability for such practices, to provide certain minimum standards for consumer mortgage loans, and for other purposes. H.R. 1754 - To create a systemic risk monitor for the financial system of the United States, to oversee financial regulatory activities of the Federal Government, and for other purposes. H.R. 2483 - Increasing Homeownership Opportunities Act - Amends the Federal Home Loan Mortgage Corporation Act and the Federal National Mortgage Association Charter Act to increase limitations on the maximum original principal obligation of mortgages that may purchased by the Federal National Mortgage Association (Fannie Mae) and the Federal Home Loan Mortgage Corporation Association (Freddie Mac). H.R. 3126 - Consumer Financial Protection Agency Act of 2009 - Establishes the Consumer Financial Protection Agency as an independent executive agency to regulate the provision of consumer financial products or services (products or services). H.R. 3288 - Transportation, Housing and Urban Development, and Related Agencies Appropriations Act, 2010 - Includes language to expand current GSE & FHA Loan Limits through Fiscal Year 2010. S. 241 - Home Retention and Economic Stabilization Act of 2009 - Amends the Truth in Lending Act to establish the right of an eligible deferred-foreclosure consumer, defendable in court, to defer initiation of a foreclosure or related action, including a foreclosure sale, brought by any creditor, servicer, or holder of an eligible deferred-foreclosure mortgage, during a specified deferment period. S. 298 - A bill to establish a Financial Markets Commission, and for other purposes. S. 365 - Nationwide Mortgage Fraud Task Force Act of 2009 - Establishes in the Department of Justice (DOJ) a Nationwide Mortgage Fraud Task Force to: (1) establish branches in the 10 states with the highest concentration of mortgage fraud; (2) establish coordinating entities, and solicit the voluntary participation of federal, state, and local law enforcement and prosecutorial agencies, to organize initiatives to address mortgage fraud; (3) train such agencies; (4) collect and disseminate mortgage fraud data; and (5) perform other related functions. S. 376 - Real Estate Mortgage Investment Conduit Improvement Act of 2009 - Establishes special rules for modification or disposition of a troubled asset (qualified mortgages or foreclosure property) under the Troubled Asset Relief Program (TARP) by real estate mortgage investment conduits (REMICs). S. 541 - A bill to increase the borrowing authority of the Federal Deposit Insurance Corporation, and for other purposes. S. 566 - Financial Products Safety Commission Act of 2009 - Establishes the Financial Products Safety Commission to: (1) promulgate consumer financial product safety rules; (2) establish a best practices guide for all providers of consumer financial products; (3) conduct continuing studies and investigations of consumer financial products industry practices; (4) award grants or enter into contracts for the conduct of such studies and investigations; (5) assist public and private organizations or groups of consumer financial product providers, administratively and technically, in the development of safety standards or guidelines that would assist them in complying with any Commission rule; (6) comment on selected agency rulemakings affecting consumer financial products; and (7) establish a consumer financial product customer hotline. S. 664 - A bill to create a systemic risk monitor for the financial system of the United States, to oversee financial regulatory activities of the Federal Government, and for other purposes. C.A.R. lobbied concerning the future of the GSE's (Fannie Mae and Freddie Mac) and their future regulatory structure. C.A.R. lobbied for Term Asset-backed Securities Loan Facilitator (TALF) funds to be used to help purchase Jumbo Mortgage Backed Securities (MBS) in order to bring liquidity to the market since most administration and Congressional actions so far have not targeted Jumbo loans.

H.R. 111 - Community Choice in Real Estate Act - Amends the Bank Holding Company Act of 1956 to prohibit the Federal Reserve System and the Secretary of the Treasury from determining that real estate brokerage activity or real estate management activity is financial in nature. H.R 476 - Housing Fairness Act of 2009 - Instructs the Secretary of Housing and Urban Development to conduct, and report to Congress on, a nationwide testing program to: (1) detect and document differences in the treatment of persons seeking to rent or purchase housing or obtain or refinance a home mortgage loan; (2) measure patterns of adverse treatment because of the race, color, religion, sex, familial status, disability status, or national origin of a renter, home buyer, or borrower; and (3) measure the prevalence of such discriminatory practices across housing and mortgage lending markets. H.R. 703 - Amends the Federal Deposit Insurance Act and the Emergency Economic Stabilization Act of 2008 (EESA) to make permanent the increase in the standard maximum deposit insurance amount from $100,000 to $250,000. H.R. 786 - Amends the Federal Deposit Insurance Act (FDIA) and the Federal Credit Union Act (FCUA) to redefine the standard maximum deposit insurance amount and the standard maximum share insurance amount as being $250,000, respectively (thus making such increase permanent). H.R. 1105 - Including provision that would amend the Bank Holding Company Act of 1956 to prohibit the Federal Reserve System and the Secretary of the Treasury from determining that real estate brokerage activity or real estate management activity is financial in nature. H.R. 1116 -To improve the process through which loan originators participate in FHA mortgage programs,and for other purposes. H.R. 1479 - To enhance the availability of capital, credit, and other banking and financial services for all citizens and communities, to ensure that community reinvestment requirements are updated to account for changes in the financial industry and that reinvestment requirements keep pace as banks, securities firms, and other financial service providers become affiliates as a result of the enactment of the Gramm-Leach-Bliley Act, and for other purposes. H.R. 1728 - To amend the Truth in Lending Act to reform consumer mortgage practices and provide accountability for such practices, to provide certain minimum standards for consumer mortgage loans, and for other purposes. H.R. 1754 - To create a systemic risk monitor for the financial system of the United States, to oversee financial regulatory activities of the Federal Government, and for other purposes. S. 241 - Home Retention and Economic Stabilization Act of 2009 - Amends the Truth in Lending Act to establish the right of an eligible deferred-foreclosure consumer, defendable in court, to defer initiation of a foreclosure or related action, including a foreclosure sale, brought by any creditor, servicer, or holder of an eligible deferred-foreclosure mortgage, during a specified deferment period. S. 298 - A bill to establish a Financial Markets Commission, and for other purposes. S. 356 - Community Choice in Real Estate Act - Amends the Bank Holding Company Act of 1956 to prohibit the Federal Reserve System and the Secretary of the Treasury from determining that real estate brokerage activity or real estate management activity is financial in nature. S. 365 - Nationwide Mortgage Fraud Task Force Act of 2009 - Establishes in the Department of Justice (DOJ) a Nationwide Mortgage Fraud Task Force to: (1) establish branches in the 10 states with the highest concentration of mortgage fraud; (2) establish coordinating entities, and solicit the voluntary participation of federal, state, and local law enforcement and prosecutorial agencies, to organize initiatives to address mortgage fraud; (3) train such agencies; (4) collect and disseminate mortgage fraud data; and (5) perform other related functions. S. 376 - Real Estate Mortgage Investment Conduit Improvement Act of 2009 - Establishes special rules for modification or disposition of a troubled asset (qualified mortgages or foreclosure property) under the Troubled Asset Relief Program (TARP) by real estate mortgage investment conduits (REMICs). S. 541 - A bill to increase the borrowing authority of the Federal Deposit Insurance Corporation, and for other purposes. S. 566 - Financial Products Safety Commission Act of 2009 - Establishes the Financial Products Safety Commission to: (1) promulgate consumer financial product safety rules; (2) establish a best practices guide for all providers of consumer financial products; (3) conduct continuing studies and investigations of consumer financial products industry practices; (4) award grants or enter into contracts for the conduct of such studies and investigations; (5) assist public and private organizations or groups of consumer financial product providers, administratively and technically, in the development of safety standards or guidelines that would assist them in complying with any Commission rule; (6) comment on selected agency rulemakings affecting consumer financial products; and (7) establish a consumer financial product customer hotline. S. 664 - A bill to create a systemic risk monitor for the financial system of the United States, to oversee financial regulatory activities of the Federal Government, and for other purposes. C.A.R. lobbied concerning the future of the GSE's (Fannie Mae and Freddie Mac) and their future regulatory structure. C.A.R. lobbied on the issues of the loan limits for GSE's and FHA in both their size, scope, and duration. C.A.R. lobbied for Term Asset-backed Securities Loan Facilitator (TALF) funds to be used to help purchase Jumbo Mortgage Backed Securities (MBS) in order to bring liquidity to the market since most administration and Congressional actions so far have not targeted Jumbo loans. C.A.R. lobbied to have the Making Homes Affordable program allow a 125% Loan-to-Value (LTV) ratio under the provisions of the program directly realted to Fannie Mae and Freddie Mac.

H.R. 111 - Community Choice in Real Estate Act - Amends the Bank Holding Company Act of 1956 to prohibit the Federal Reserve System and the Secretary of the Treasury from determining that real estate brokerage activity or real estate management activity is financial in nature. H.R 476 - Housing Fairness Act of 2009 - Instructs the Secretary of Housing and Urban Development to conduct, and report to Congress on, a nationwide testing program to: (1) detect and document differences in the treatment of persons seeking to rent or purchase housing or obtain or refinance a home mortgage loan; (2) measure patterns of adverse treatment because of the race, color, religion, sex, familial status, disability status, or national origin of a renter, home buyer, or borrower; and (3) measure the prevalence of such discriminatory practices across housing and mortgage lending markets. H.R. 703 - Amends the Federal Deposit Insurance Act and the Emergency Economic Stabilization Act of 2008 (EESA) to make permanent the increase in the standard maximum deposit insurance amount from $100,000 to $250,000. H.R. 786 - Amends the Federal Deposit Insurance Act (FDIA) and the Federal Credit Union Act (FCUA) to redefine the standard maximum deposit insurance amount and the standard maximum share insurance amount as being $250,000, respectively (thus making such increase permanent). H.R. 1105 - Including provision that would amend the Bank Holding Company Act of 1956 to prohibit the Federal Reserve System and the Secretary of the Treasury from determining that real estate brokerage activity or real estate management activity is financial in nature. H.R. 1116 -To improve the process through which loan originators participate in FHA mortgage programs,and for other purposes. H.R. 1479 - To enhance the availability of capital, credit, and other banking and financial services for all citizens and communities, to ensure that community reinvestment requirements are updated to account for changes in the financial industry and that reinvestment requirements keep pace as banks, securities firms, and other financial service providers become affiliates as a result of the enactment of the Gramm-Leach-Bliley Act, and for other purposes. H.R. 1728 - To amend the Truth in Lending Act to reform consumer mortgage practices and provide accountability for such practices, to provide certain minimum standards for consumer mortgage loans, and for other purposes. H.R. 1754 - To create a systemic risk monitor for the financial system of the United States, to oversee financial regulatory activities of the Federal Government, and for other purposes. S. 241 - Home Retention and Economic Stabilization Act of 2009 - Amends the Truth in Lending Act to establish the right of an eligible deferred-foreclosure consumer, defendable in court, to defer initiation of a foreclosure or related action, including a foreclosure sale, brought by any creditor, servicer, or holder of an eligible deferred-foreclosure mortgage, during a specified deferment period. S. 298 - A bill to establish a Financial Markets Commission, and for other purposes. S. 356 - Community Choice in Real Estate Act - Amends the Bank Holding Company Act of 1956 to prohibit the Federal Reserve System and the Secretary of the Treasury from determining that real estate brokerage activity or real estate management activity is financial in nature. S. 365 - Nationwide Mortgage Fraud Task Force Act of 2009 - Establishes in the Department of Justice (DOJ) a Nationwide Mortgage Fraud Task Force to: (1) establish branches in the 10 states with the highest concentration of mortgage fraud; (2) establish coordinating entities, and solicit the voluntary participation of federal, state, and local law enforcement and prosecutorial agencies, to organize initiatives to address mortgage fraud; (3) train such agencies; (4) collect and disseminate mortgage fraud data; and (5) perform other related functions. S. 376 - Real Estate Mortgage Investment Conduit Improvement Act of 2009 - Establishes special rules for modification or disposition of a troubled asset (qualified mortgages or foreclosure property) under the Troubled Asset Relief Program (TARP) by real estate mortgage investment conduits (REMICs). S. 541 - A bill to increase the borrowing authority of the Federal Deposit Insurance Corporation, and for other purposes. S. 566 - Financial Products Safety Commission Act of 2009 - Establishes the Financial Products Safety Commission to: (1) promulgate consumer financial product safety rules; (2) establish a best practices guide for all providers of consumer financial products; (3) conduct continuing studies and investigations of consumer financial products industry practices; (4) award grants or enter into contracts for the conduct of such studies and investigations; (5) assist public and private organizations or groups of consumer financial product providers, administratively and technically, in the development of safety standards or guidelines that would assist them in complying with any Commission rule; (6) comment on selected agency rulemakings affecting consumer financial products; and (7) establish a consumer financial product customer hotline. S. 664 - A bill to create a systemic risk monitor for the financial system of the United States, to oversee financial regulatory activities of the Federal Government, and for other purposes. C.A.R. is also lobbying on the idea of having either Congress or the Treasury Department instiute a plan where they would create a federal mortgage interest buy-down program to bring down interest rate spreads to historical averages and reduce mortgage interest rates since the spread between mortgage rates and Treasury rates are abnormally high. C.A.R. lobbied concerning the future of the GSE's (Fannie Mae and Freddie Mac) and their future regulatory structure. C.A.R. lobbied on the issues of the loan limits for GSE's and FHA in both their size, scope, and duration.