Insurance Competition and Transparency Act of 2010

Implementation of healthcare reform laws - Executive Branch actions re PL 111-148 and PL 111-152. Repeal Patient Protection and Affordable Health Care Acts (PL 111-148/PL 111-152) - HR 4901, To repeal the Patient Protection and Affordable Care Act; HR 4903, To repeal the Patient Protection and Affordable Care Act; HR 4910, To repeal the Patient Protection and Affordable Care Act and enact the Empowering Patients First Act in order to provide incentives to encourage health insurance coverage; HR 4919, To repeal the Patient Protection and Affordable Care Act; HR 4972, To repeal the Patient Protection and Affordable Care Act; HR 5005, To repeal the Patient Protection and Affordable Care Act; HR 5073, To repeal the Patient Protection and Affordable Care Act and the Health Care and Education Reconciliation Act of 2010 and enact the OPTION Act of 2009; HR 5216, To repeal the Patient Protection and Affordable Care Act; HR 5421, To repeal the Patient Protection and Affordable Care Act and the Health Care and Education Reconciliation Act of 2010, repeal the 7.5 percent threshold on the deduction for medical expenses, provide for increased funding for high-risk pools, allow acquiring health insurance across State lines, and allow for the creation of association health plans; HR 5424, Reform Americans Can Afford Act of 2010 ; HR 5444, Private Option Health Care Act; HR 6355, STAT Act of 2010; S 3147, Patient Choice Restoration Act; S 3152, A bill to repeal the Patient Protection and Affordable Care Act. *High risk pools - HR 5664, High-Risk Pool Fairness Act. *Effective date for prohibitionon rescissions - HR 5761, To amend the Patient Protection and Affordable Care Act to expedite the application of the provision prohibiting rescissions of health insurance coverage. *Government-run plan - HR 5808, To amend the Patient Protection and Affordable Care Act to establish a public health insurance option. *Guarantee-issue and open enrollment for Medigap policies - HR 5844, Fairness in Medigap Options Act of 2010. *Regulations of LTC insurance - HR 5890, Long-Term Care Insurance Reform Act of 2010. *Third-party review of LTC insurance disputed claims - S 1626, A bill to require issuers of long term care insurance to establish third party review processes for disputed claims. *Model disclosure forms for LTC insurance - S 1636, A bill to develop a model disclosure form to assist consumers in purchasing long-term care insurance. *Model Disclosure form for long-term care insurance - HR 4078, To require the Secretary of Health and Human Services to develop a national model disclosure form to assist consumers in purchasing long-term care insurance. *Federal rate review process - HR 4757, Health Insurance Rate Authority Act of 2010; S 3078, Health Insurance Rate Authority Act of 2010. *Changes to individual coverage requirement, grandfathered plans, immediate insurance reforms, premium assistance, CLASS Act, coverage issues, quality improvements, delivery system reforms - HR 4872, Health Care and Education Reconciliation Act of 2010. *Requirements for dental coverage - HR 5000, Dental Coverage Value and Transparency Act of 2010. *Requirements for private disability insurers - HR 6066, Preventing Social Security Fraud Act of 2010. *Supplemental disability insurance for Federal employees - HR 6368, Federal Employee Disability Insurance Act of 2010. *FTC authority - S 3685, Insurance Competition and Transparency Act of 2010. *Health coverage tax credit - S 3793, Job Creation and Tax Cuts Act of 2010. *State innovation waivers - S 3958, Empowering States to Innovate Act. *Disclosure of coverage exclusions - HR 1253, To require that limitations and restrictions on coverage under group health plans be timely disclosed to group health plan sponsors and timely communicated to participants and beneficiaries under such plans in a form that is easily understandable. *McCarran Ferguson reforms - HR 1583, To further competition in the insurance industry; S 1681, Health Insurance Industry Antitrust Enforcement Act of 2009. *Recissions, hospital stays for breast cancer patients - HR 1691, To require that health plans provide coverage for a minimum hospital stay for mastectomies, lumpectomies, and lymph node dissection for the treatment of breast cancer and coverage for secondary consultations; S 688, A bill to require that health plans provide coverage for a minimum hospital stay for mastectomies, lumpectomies, and lymph node dissection for the treatment of breast cancer and coverage for secondary consultations. *Coverage requirement for cancer screening - HR 4563, Cancer Screening Coverage Act of 2009. *MCCarran-Ferguson antitrust exemption - HR 4626, Health Insurance Industry Fair Competition Act. *LTC consumer protections - S 1177, A bill to improve consumer protections for purchasers of long-term care insurance, and for other purposes. *National marketplace - HR 3217, Health Care Choice Act of 2009; S 1459, A bill to amend the Public Health Service Act to provide for cooperative governing of individual health insurance coverage offered in interstate commerce. *Reinstatement of coverage upon payment of overdue premiums - HR 3584, To amend the Public Health Service Act to require reinstatement upon payment of all premiums due of group or individual health insurance coverage terminated by reason of nonpayment of premiums. *Changes to McCarran-Ferguson Act - HR 3596, To ensure that health insurance issuers and medical malpractice insurance issuers cannot engage in price fixing, bid rigging, or market allocations to the detriment of competition and consumers; S 1681, A bill to ensure that health insurance issuers and medical malpractice insurance issuers cannot engage in price fixing, bid rigging, or market allocations to the detriment of competition and consumers.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HR 1583, HR 3200, HR 3596, HR 3962, HR 635, S 1681, S 560, S 3685

Client expense: $810,000 · Firm income: Not reported

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), HOUSE OF REPRESENTATIVES, SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

HR 1583, HR 1880, HR 2555, HR 2571, HR 2609, HR 3139, HR 3415, HR 4164, HR 4213, HR 4596, HR 4691, HR 4778, HR 4796, HR 4802, HR 4851, HR 5114, HR 5255, HR 5553, HR 5559, HR 6207, HR 6254, S 1363, S 3051, S 3109, S 3153, S 3203, S 3546, S 3672, S 3685, S 3815, S 3994

Client expense: $810,000 · Firm income: Not reported

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), HOUSE OF REPRESENTATIVES, SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

Financial services reform legislation (H.R. 4173), as related to amendments to the Federal Trade Commission Act Advertising to children (H.R. 5504); behavioral advertising; Privacy legislation (H.R. 5777) Legislation amending the Federal Trade Commission Act (S. 3685)

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Financial services reform legislation (H.R. 4173), as related to amendments to the Federal Trade Commission Act Advertising to children (H.R. 5504); behavioral advertising; Privacy legislation (H.R. 5777) Legislation amending the Federal Trade Commission Act (S. 3685)

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 1583 Insurance Industry Competition Act of 2009 (all provisions) H.R. 83 Homeowners Insurance Protection Act of 2009 (all provisions) H.R. 1525 Flood Insurance Technical Amendments (all provisions) Flood Insurance Reform and Modernization (generally) H.R. 1264 Multiple Peril Insurance Act of 2009 (all provisions) H.R. 1880 National Insurance Consumer Protection Act of 2009 (all provisions) Insurance Regulatory Reform (generally) H.R. 2554 NARAB Reform Act of 2009 (all provisions) S. 505 Commission on Catastrophic Disaster Risk and Insurance Act of 2009 (all provisions) Municipal Bond Regulation (generally) H.R. 2609 Insurance Information Act of 2009 (all provisions) Office of Insurance Information (generally) Systemic Risk Regulator/Overseer (generally) Financial Services Regulatory Restructuring (generally) Troubled Assets Relief Program (generally) H.R. 1105 FY 2009 Omnibus (flood insurance provisions) H.R. 1239 Property Mitigation Assistance Act of 2009 (all provisions) H.R. 635 National Commission on State Worker's Compensation Laws Act of 2009 (all provisions) Federal Resolution Authority (generally) Use of Credit Scores in Insurance Underwriting (generally) H.R. 2555 Homeowners Defense Act (all provisions) H.R. 2733 Fixed Indexed Annuities and Insurance Products Classification Act of 2009 (all provisions) H.R. 2571; S. 1363 Nonadmitted and Reinsurance Reform Act (all provisions) H.R. 2918 Legislative Branch Appropriations of 2009 (Continuing Resolution) IMF Financial Sector Assesment Program (generally) H.R. 3326- Defense Appropriations Bill of 2009 (flood insurance provisions) H.R. 3139 Flood Insurance Reform & Modernization Act (all provisions) H.R. 4778 National FLood Insurance Program Extension Act of 2010 (all provisions) H.R. 4851 Continuing Extension Act of 2010 (flood insurance provisions) H.R. 5114 Flood Insurance Reform Priorities Act of 2010 (all provisions) H.R. 5553 National Flood Insurance Program Extension Act of 2010 (all provisions) H.R. 5569 National Flood Insurance Program Extension Act of 2010 (all provisions) S. 3814 National Flood Insurance Program Reextension Act of 2010 (all provisions) S. 3672 Coordination of Wind and Flood Perils Act of 2010 (all provisions) H.R. 5993 Securing America's Veterans Insurance Needs & Goals Act (all provisions) S. 3685 Insurance Competition And Transparency Act (all provisions) Broker-Dealer Fiduciary Standard (generally) S. 3994 Flood Insurance Affordability & Risk Notification Act (all provisions)

HR 2554 National Association of Registered Agent and Brokers Reform Act; Issue: reducing costs and administrative difficulties associated with reciprocal licensing of multi-state insurance agents. We support this bill. S 3685 Insurance Competition and Transparency Act of 2010; Issue: Oppose greater FTC involvement in insurance regulation. HR 6529 Federal License for Reinsurers Act of 2010; Issue: should reinsurance be regulated by the federal government? S 3546 Cheaper Car Insurance Act of 2010; Issue: federal efforts to crack down on insurance fraud

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S.3307, Healthy, Hunger-Free Kids Act of 2010 H.R.5209, Healthy Communities through Helping to Offer Incentives and Choices to Everyone in Society Act of 2010 H.R.5777, To foster transparency about the commercial use of personal information, provide consumers with meaningful choice about the collection, use, and disclosure of such information, and for other purposes. S.3685, Insurance Competition and Transparency Act of 2010 H.R.5808, To amend the Patient Protection and Affordable Care Act to establish public health insurance option H.R.6303, Medicare Beneficiary Choice Preservation Act of 2010

Client expense: $281,000 · Firm income: Not reported

H.R. 1253, Health Insurance Restrictions and Limitations Clarification Act (Burgess) disclosure of coverage exclusions; H.R. 1583, Insurance Industry Competition Act (DeFazio) McCarran-Ferguson reforms (cont.) H.R. 1691, Breast Cancer Patient Protection Act (DeLauro) hospital stays for breast cancer patients; H.R. 1880, National Insurance Consumer Protection Act (Bean) regulatory reform; H.R. 2609, Insurance Information Act (Kanjorski) Federal Office of Insurance Information; H.R. 3217, Health Care Choice Act (Shadegg) national marketplace; H.R. 3584, Health Care Consumer Protection Act (Forbes) reinstatement of coverage upon payment of overdue premiums; H.R. 3596, Health Insurance Industry Antitrust Enforcement Act (Conyers) McCarran-Ferguson reforms; H.R. 4078, Long-Term Care Insurance Disclosure Act (Perriello) model disclosure form for long-term care insurance; H.R. 4563, Cancer Screening Coverage Act (Maloney) coverage requirement for cancer screening; H.R. 4626, Health Insurance Industry Fair Competition Act (Perriello) McCarran-Ferguson reforms; H.R. 4757, Health Insurance Rate Authority Act (Schakowsky) federal rate review process; H.R. 5000, Dental Coverage Value and Transparency Act (Andrews) requirements for dental coverage; H.R. 5297, Small Business Jobs Act (Frank) amendments on employer reporting requirement and individual coverage requirement; H.R. 5664, High Risk Pool Fairness Act (Ellsworth ) high risk pools; H.R. 5761 (Melancon) effective date for prohibition on rescissions; H.R. 5808 (Woolsey) government-run plan; H.R. 5844, Fairness in Medigap Options Act (Rothman) guarantee issue and open enrollment for Medigap policies; H.R. 5853, Fiscal Responsibility and Retirement Security Act (Boustany) delaying implementation of the CLASS program; H.R. 5890, Long-Term Care Insurance Reform Act (Doggett) regulation of LTC insurance; H.R. 5982, Small Business Tax Relief Act (Levin) employer reporting requirements; H.R. 6066, Preventing Social Security Fraud Act (Sanchez) requirements for private disability insurers; H.R. 6368, Federal Employee Disability Insurance Act (Holmes-Norton) supplemental disability insurance for federal employees; S. 688, Breast Cancer Patient Protection Act (Snowe) hospital stays for breast cancer patients; S. 1177, Confidence in Long-Term Care Insurance Act (Kohl) LTC consumer protections; S. 1459, Health Care Choice Act (DeMint) national marketplace; S. 1626, Long Term Care Insurance Integrity Act (Klobuchar) third party review of LTCI disputed claims; S. 1636, Long-Term Care Insurance Consumer Right-to-Know Act (Klobuchar) model disclosure forms for LTC insurance; S. 1681, Health Insurance Industry Antitrust Enforcement Act (Leahy) McCarran-Ferguson reforms; S. 3078, Health Insurance Rate Authority Act (Feinstein) federal rate review process; S. 3685 Insurance Competition and Transparency Act (Pryor) FTC authority; and S. 3793, Job Creation and Tax Cuts Act (Baucus) health coverage tax credit. INS (Regulatory) Insurance regulatory reform; issues related to the coordination of private and public disability income benefits; disability risk management; issues relating to the coordination of benefits between private health insurance plans and Medicaid; Medigap claims processing and crossover fees; implementation of Medigap standardized plan offerings; Medigap carrier recoveries related to CMS fraud and abuse enforcement activities, and issues related to Medigap educational materials; implementation of the Mental Health Parity Act requirements; issues related to COBRA subsidy requirements, issues related to genetic nondiscrimination; medical loss ratios; review of rates for reasonableness; health insurance exchanges; pre-existing condition insurance plans; accountable care organizations; internal claims and appeals and external review processes; coverage of preventive services; pre-existing condition exclusions; lifetime and annual dollar limits on benefits rescissions; patient protections; grandfathered health plan provisions; health insurance web portal requirements; dependent coverage; and other issues relating to health care reform implementation.

HR 1583, HR 3200, HR 3596, HR 3962, HR 635, S 1681, S 560, S 3685

Client expense: $1,170,000 · Firm income: Not reported

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), HOUSE OF REPRESENTATIVES, SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

Implementation of healthcare reform legislation, health insurance cooperatives, multi-State plans, insurance market reforms, health insurance exchanges, benefit packages, medical loss ratios, CLASS Act, regulatory reform, individual coverage requirement, premium assistance, Federal rate review process restrictions on recissions, healthcare choice compacts, appeals procedures, disclosure requirements, high risk pool program - Executive Branch actions re PL 111-148 and PL 111-152. *Disclosure of coverage exclusions - HR 1253, To require that limitations and restrictions on coverage under group health plans be timely disclosed to group health plan sponsors and timely communicated to participants and beneficiaries under such plans in a form that is easily understandable. *McCarran Ferguson reforms - HR 1583, To further competition in the insurance industry; S 1681, Health Insurance Industry Antitrust Enforcement Act of 2009. *Recissions, hospital stays for breast cancer patients - HR 1691, To require that health plans provide coverage for a minimum hospital stay for mastectomies, lumpectomies, and lymph node dissection for the treatment of breast cancer and coverage for secondary consultations; S 688, A bill to require that health plans provide coverage for a minimum hospital stay for mastectomies, lumpectomies, and lymph node dissection for the treatment of breast cancer and coverage for secondary consultations. *Coverage requirement for cancer screening - HR 4563, Cancer Screening Coverage Act of 2009. *MCCarran-Ferguson antitrust exemption - HR 4626, Health Insurance Industry Fair Competition Act. *Regulatory reform - HR 1880, To establish a system of regulation and supervision for insurers, insurance agencies, and insurance producers chartered or licensed under Federal law that ensures the stability and financial integrity of those insurers, agencies, and producers and that protects policyholders and other consumers served by such insurers, agencies, or producers. *LTC consumer protections - S 1177, A bill to improve consumer protections for purchasers of long-term care insurance, and for other purposes. *Federal office of insurance information - HR 2609, To establish an Office of Insurance Information in the Department of the Treasury. *National marketplace - HR 3217, Health Care Choice Act of 2009; S 1459, A bill to amend the Public Health Service Act to provide for cooperative governing of individual health insurance coverage offered in interstate commerce. *Reinstatement of coverage upon payment of overdue premiums - HR 3584, To amend the Public Health Service Act to require reinstatement upon payment of all premiums due of group or individual health insurance coverage terminated by reason of nonpayment of premiums. *Changes to McCarran-Ferguson Act - HR 3596, To ensure that health insurance issuers and medical malpractice insurance issuers cannot engage in price fixing, bid rigging, or market allocations to the detriment of competition and consumers; S 1681, A bill to ensure that health insurance issuers and medical malpractice insurance issuers cannot engage in price fixing, bid rigging, or market allocations to the detriment of competition and consumers. *High risk pools - HR 5664, High-Risk Pool Fairness Act. *Effective date for prohibitionon rescissions - HR 5761, To amend the Patient Protection and Affordable Care Act to expedite the application of the provision prohibiting rescissions of health insurance coverage. *Government-run plan - HR 5808, To amend the Patient Protection and Affordable Care Act to establish a public health insurance option. *Guarantee-issue and open enrollment for Medigap policies - HR 5844, Fairness in Medigap Options Act of 2010. *Delaying implementation of the CLASS program - HR 5853, Fiscal Responsibility and Retirement Security Act. *Regulations of LTC insurance - HR 5890, Long-Term Care Insurance Reform Act of 2010. *Third-party review of LTC insurance disputed claims - S 1626, A bill to require issuers of long term care insurance to establish third party review processes for disputed claims. *Model disclosure forms for LTC insurance - S 1636, A bill to develop a model disclosure form to assist consumers in purchasing long-term care insurance. *Model Disclosure form for long-term care insurance - HR 4078, To require the Secretary of Health and Human Services to develop a national model disclosure form to assist consumers in purchasing long-term care insurance. *Federal rate review process - HR 4757, Health Insurance Rate Authority Act of 2010; S 3078, Health Insurance Rate Authority Act of 2010. *Changes to individual coverage requirement, grandfathered plans, immediate insurance reforms, premium assistance, CLASS Act, coverage issues, quality improvements, delivery system reforms - HR 4872, Health Care and Education Reconciliation Act of 2010. *Requirements for dental coverage - HR 5000, Dental Coverage Value and Transparency Act of 2010. *Employer reporting requirements - HR 5982, Small Business Tax Relief Act of 2010. *Requirements for private disability insurers - HR 6066, Preventing Social Security Fraud Act of 2010. *Supplemental disability insurance for Federal employees - HR 6368, Federal Employee Disability Insurance Act of 2010. *FTC authority - S 3685, Insurance Competition and Transparency Act of 2010. *Health coverage tax credit - S 3793, Job Creation and Tax Cuts Act of 2010.

Financial services reform legislation (H.R. 4173), as related to amendments to the Federal Trade Commission Act Advertising to children (H.R. 5504); advertising tax bill (H.R. 4310) Privacy legislation (H.R. 5777); legislation relating to on-line sales (S. 3386); data security issues Legislation amending the Federal Trade Commission Act (S. 3685)

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Financial services reform legislation (H.R. 4173), as related to amendments to the Federal Trade Commission Act Advertising to children (H.R. 5504); advertising tax bill (H.R. 4310) Privacy legislation (H.R. 5777); legislation relating to on-line sales (S. 3386); data security issues Legislation amending the Federal Trade Commission Act (S. 3685)

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 1583 Insurance Industry Competition Act of 2009 (all provisions) H.R. 83 Homeowners Insurance Protection Act of 2009 (all provisions) H.R. 1525 Flood Insurance Technical Amendments (all provisions) Flood Insurance Reform and Modernization (generally) H.R. 1264 Multiple Peril Insurance Act of 2009 (all provisions) H.R. 1880 National Insurance Consumer Protection Act of 2009 (all provisions) Insurance Regulatory Reform (generally) H.R. 2554 NARAB Reform Act of 2009 (all provisions) S. 505 Commission on Catastrophic Disaster Risk and Insurance Act of 2009 (all provisions) Municipal Bond Regulation (generally) H.R. 2609 Insurance Information Act of 2009 (all provisions) Office of Insurance Information (generally) Systemic Risk Regulator/Overseer (generally) Financial Services Regulatory Restructuring (generally) Troubled Assets Relief Program (generally) H.R. 1105 FY 2009 Omnibus (flood insurance provisions) H.R. 1239 Property Mitigation Assistance Act of 2009 (all provisions) H.R. 635 National Commission on State Worker's Compensation Laws Act of 2009 (all provisions) Federal Resolution Authority (generally) Use of Credit Scores in Insurance Underwriting (generally) H.R. 2555 Homeowners Defense Act (all provisions) H.R. 2733 Fixed Indexed Annuities and Insurance Products Classification Act of 2009 (all provisions) H.R. 2571; S. 1363 Nonadmitted and Reinsurance Reform Act (all provisions) H.R. 2918 Legislative Branch Appropriations of 2009 (Continuing Resolution) IMF Financial Sector Assesment Program (generally) H.R. 3326- Defense Appropriations Bill of 2009 (flood insurance provisions) H.R. 3139 Flood Insurance Reform & Modernization Act (all provisions) H.R. 4778 National FLood Insurance Program Extension Act of 2010 (all provisions) H.R. 4851 Continuing Extension Act of 2010 (flood insurance provisions) H.R. 5114 Flood Insurance Reform Priorities Act of 2010 (all provisions) H.R. 5553 National Flood Insurance Program Extension Act of 2010 (all provisions) H.R. 5569 National Flood Insurance Program Extension Act of 2010 (all provisions) S. 3814 National Flood Insurance Program Reextension Act of 2010 (all provisions) S. 3672 Coordination of Wind and Flood Perils Act of 2010 (all provisions) H.R. 5993 Securing America's Veterans Insurance Needs & Goals Act (all provisions) S. 3685 Insurance Competition And Transparency Act (all provisions) Broker-Dealer Fiduciary Standard (generally)

H.R. 83. Homeowners Insurance Protection Act (entire bill) H.R. 308/ S. 1364. Hurricane and Tornado Mitigation Investment Act (entire bills) H.R. 1583. To further competition in the insurance industry (Repeals McCarran-Furguson Act) (entire bills) H.R 327/ S. 1485. National Hurricane Research Initiative Act (entire bill) H.R. 988/ S. 1486. Policyholder Disaster Protection Act (entire bill) H.R. 1239. Property Mitigation Assistance Act (entire bill) H.R. 1264. Multi Peril Insurance Act (entire bill) S. 505. Homeowners Defense Act (entire bill) H.R. 1880. National Insurance Consumer Protection Act (entire bill) H.R. 1754/ S.664. Financial System Stabilization and Reform Act of 2009 (entire bill) S. 886. Catastrophe Obligation Guarantee Act (entire bill) H.R. 2555. Homeowners Defense Act of 2009 (entire bill) H.R. 2554. National Association of Registered Agents and Brokers Reform Act (entire bill) H.R. 2571/ S. 1363. Non-admitted and Reinsurance Reform Act H.R. 2609. Insurance Information Act (entire bill) H.R. 3596/ S. 1681. Health Insurance Industry Antitrust Enforcement Act (entire bill) S.1484. Catastrophe Savings Account Act (entire bill) S. 1487. Commission on Catastrophic Disaster Risk and Insurance Act (entire bill) H.R. 3139. National Flood Insurance Program Extension Act (entire bill) H.R. 3126/ H.R. 3639. Consumer Financial Protection Agency Act S. 1540. Resolution Reform Act of 2009 H.R. 4173. Wall Street Reform and Consumer Protection Act of 2009. (entire bill) H.R. 3817. Investor Protections Act of 2009. (entire bill) H.R. 3818. Private Fund Investment Advisors Registration Act of 2009. (entire bill) H.R. 3996. Financial Stability Improvement Act. (entire bill) S. 3217. Restoring America's Financial Stability Act (entire bill) H.R. 4778. National Flood Insurance Program Extension Act (entire bill) H.R. 4802. Risk Retention Modernization Act (entire bill) H.R. 4626. Health Insurance Industry Fair Competition Act (entire bill) H.R. 5114. Flood Insurance Reform Priorities Act (entire bill) H.R. 5255. Stable Flood Insurance Authorization Act (entire bill) S. 3347. To extend the NFIP though December 31, 2010 (entire bill) S. 3814. National Flood Insurance Program Re-extension Act (entire bill) S. 3685. Insurance Competition and Transparency Act (entire bill) S. 3546. Cheaper Car Insurance Act (entire bill)

Financial System Regulatory Overhaul: Dodd-Frank Wall Street Reform and Consumer Protection Act (HR 4173 and S 3217) Issues related to the federal crop insurance program Short-term extensions of National Flood Insurance Program: HR 5569, S. 3814 Issues related to the use of credit scores in personal lines of insurance National Commission on State Workers' Compensation Laws Act of 2009 - HR 635 Medicare Secondary Payer Enhancement Act of 2010 - HR 4796 Insurance Competition and Transparency Act of 2010 - S. 3685

Client expense: $260,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of, U.S. Trade Representative (USTR)

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

H.R. 1586 Educations, Jobs and Medicaid Assistance Act S. 3685 Insurance Competition And Transparency Act H.R. 5808 To amend the Patient Protection and Affordable Care Act to establish a public health insurance option S. 3653 Health care Bureaucrats Elimination Act H.R. 5712 Veterans', Seniors and Children's Health Technical Corrections Act of 2010 H.R. 5297 Small business Jobs Act of 2010 H.R. 1745 Family Health Care Accessibility Act S. 3605 America COMPETES Reauthorizations Act H.R. 5116 America COMPETES Reauthorizations Act H.R. 6072 Electronic Health record Incentives for Multi-Campus Hospitals Act of 2010 S. 3708 Electronic Health record Incentives for Multi-Campus Hospitals Act of 2010 S. 3742 Data Security and Breach Notification Act of 2010 H.R. 5777 BEST PRACTICES Act of 2010 H.R. 5297 Small Business Jobs and Credit Act S. 3307 Healthy Hunger-Free Kids Act H.R. 5504 Improving Nutrition for America's Children Act

Client expense: $240,000 · Firm income: Not reported