Credit Card Reform Act of 2009

H.R. 4173 - Dodd-Frank Wall Street Reform and Consumer Protection Act.- all provisions relating to consumer protection and restructuring of the financial services industry . S. 139 - A bill to require Federal agencies, and persons engaged in interstate commerce, in possession of data containing sensitive personally identifiable information, to disclose any breach of such information - provisions relating to credit reporting. S. 141 - A bill to amend title 18, United States Code, to limit the misuse of Social Security numbers, to establish criminal penalties for such misuse, and for other purposes - provisions relating to credit reporting. S. 414 - A bill to amend the Consumer Credit Protection Act, to ban abusive credit practices, enhance consumer disclosures, protect underage consumers, and for other purposes - provisions relating to credit reporting S. 392 - A bill to protect consumers, and especially young consumers, from skyrocketing credit card debt, unfair credit card practices, and deceptive credit offers - provisions related to young consumers. S. 235 - A bill to amend the Truth in Lending Act to establish fair and transparent practices relating to the extension of credit under an open end consumer credit plan - provisions related to young consumers. H.R. 1469 - To amend the National Child Protection Act of 1993 to establish a permanent background check system - provisions relating to credit reporting. H.R. 1728 - the Mortgage Reform and Anti-Predatory Lending act of 2009 - provisions relating to credit reporting. H..R. 1748 - the "Fight Fraud Act 2009" - provisions relating to mortgage fraud. H.R. 2221 - Data Accountability & Trust Act - provisions relating to protecting computerized data containing personal information and other provisions relating to credit reporting. H.R. 3126- Consumer Financial Protection Agency Act of 2009 - all sections particularly as they relate to consumer reporting agencies. H.R. 3149 - Equal Employment for All Act - all provisions relating to the use of consusmer credit checks against prospective and current employees for the purposes of making adverse employment decisions. S. 1490 - Personal Data Privacy and Security Act of 2009 - A bill to prevent and mitigate identity theft, to ensure privacy, to provide notice of security breaches, and to enhance criminal penalties, law enforcement, assistance, and other protections against security breaches, fraudulent access, and misuse of personally idenftifiable information. - all provisions relating to data brokers H.R. 3421 - The Medical Debt Relief Act - Amends the Fair Credit Reporting Act to prohibit a consumer reporting agency from making any report containing information related to a fully paid or settled medical debt that had been characterized as debt in collection for credit reporting purposes, which, for the date of payment or settlement, antedates the report by more than 30 calendar days.- all provisions relating to credit reporting. S. 1261 - A bill to repeal title II of the REAL ID Act of 2005 and amend title II of the Homeland Security Act of 2002 to better protect the security, confidentiality, and integrity of personally identifiable information collected by States when issuing driver's licenses and identification documents, and for other purposes.- provisions relating to driver's licenses. H.R. 4538 - To amend the Fair Credit Reporting Act to require the inclusion of credit scores with free annual credit reports provided to consumers - provisions relating to credit scores. S. 3217- "Restoring American Financial Stability Act of 2010" - A bill to promote the financial stability of the US by improving accountability and transparency in the financial system to end "too big to fail", to protect the American taxpayer by ending bailouts, to protect cosumers from abusive financial services practices, and for other purposes - provisions relating to consumer financial protection. H.R. 5743 - To amend the Fair Credit Reporting Act to prohibit the furnishing of certain negative loan modification information to a consumer reporting agency and to prohibit such information from being used in computing a consumer's credit score. All provisions as they relate to consumer reporting agencies. S. 3742 - Data Security and Breach Notification Act of 2010 - all provisions relating to consumer protection.

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

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

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

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

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

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HR 4213/S 1934/S 3191/S 3333: American Jobs and Closing Tax Loopholes Act of 2010 (expiring tax provisions) HR 989/S. 829: Eagle Employers Act HR 1083: Simplification Act; PL 111-166 HR 2897: Bank Accountability and Risk Assessment Act of 2009; PL 111-166 HR 3933/S. 1934: Foreign Account Tax Compliance Act HR 3042/S. 1374: Worker Adjustment & Retraining Act HR 1987/1508/S. 803: Wellness Programs HR 5328: International Tax Cmpetitiveness Act of 2010 HR 1068: Let Wall Street Pay for Wall Street's Bailout Act of 2009 HR 5297: Small Business Jobs and Credit Act of 2010; P.L. 111-499 HR 2098: Corporations Bank Accountability and Risk Assessment Act of 2009; PL 111-166 HR 422: Extend R&D tax credit to through 2010, increase & make permanent alternative simplified credit (R&D Tax credit) HR 1542: TARP Bonus Tax; PL 111-166 HR 1944/HR 2089: Subpart F Extension; PL 111-166 HR 2158/HR 3530/S. 929: Nonroad Alternative Powered Equipment Tax Credits HR 3135: To amend the Internal Revenue Code of 1986 to provide additional incentives for facilities producing electricity from wind HR 3136: To extend the program to provide grants for specified energy property in lieu of tax credits HR 275/S. 392: Repeal of 3% witholding on certain payments to vendors by government entities S. 2927: A bill to amend the Internal Revenue Code of 1986 to impose a tax on certain securities transactions to fund job creation and deficit reduction, and for other purposes. HR 3548: Extending & expanding home buyer tax credits and net operating loss carryback rules into 2010; PL 111-5

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

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

H.R. 4173 - To provide for financial regulatory reform, to protect consumers and investors, to enhance Federal understanding of insurance issues, to regulate the over-the-counter derivatves markets, and for other purposes - provisions relating to consumer reporting agencies S. 139 - A bill to require Federal agencies, and persons engaged in interstate commerce, in possession of data containing sensitive personally identifiable information, to disclose any breach of such information - provisions relating to credit reporting. S. 141 - A bill to amend title 18, United States Code, to limit the misuse of Social Security numbers, to establish criminal penalties for such misuse, and for other purposes - provisions relating to credit reporting. S. 414 - A bill to amend the Consumer Credit Protection Act, to ban abusive credit practices, enhance consumer disclosures, protect underage consumers, and for other purposes - provisions relating to credit reporting S. 392 - A bill to protect consumers, and especially young consumers, from skyrocketing credit card debt, unfair credit card practices, and deceptive credit offers - provisions related to young consumers. S. 235 - A bill to amend the Truth in Lending Act to establish fair and transparent practices relating to the extension of credit under an open end consumer credit plan - provisions related to young consumers. H.R. 1469 - To amend the National Child Protection Act of 1993 to establish a permanent background check system - provisions relating to credit reporting. H.R. 1728 - the Mortgage Reform and Anti-Predatory Lending act of 2009 - provisions relating to credit reporting. H..R. 1748 - the "Fight Fraud Act 2009" - provisions relating to mortgage fraud. H.R. 2221 - Data Accountability & Trust Act - provisions relating to protecting computerized data containing personal information and other provisions relating to credit reporting. H.R. 3126- Consumer Financial Protection Agency Act of 2009 - all sections particularly as they relate to consumer reporting agencies. H.R. 3149 - Equal Employment for All Act - all provisions relating to the use of consusmer credit checks against prospective and current employees for the purposes of making adverse employment decisions. S. 1490 - A bill to prevent and mitigate identity theft, to ensure privacy, to provide notice of security breaches, and to enhance criminal penalties, law enforcement, assistance, and other protections against security breaches, fraudulent access, and misuse of personally idenftifiable information. - all provisions relating to data brokers H.R. 3421 - Amends the Fair Credit Reporting Act to prohibit a consumer reporting agency from making any report containing information related to a fully paid or settled medical debt that had been characterized as debt in collection for credit reporting purposes, which, for the date of payment or settlement, antedates the report by more than 30 calendar days.- all provisions relating to credit reporting. S. 1261 - A bill to repeal title II of the REAL ID Act of 2005 and amend title II of the Homeland Security Act of 2002 to better protect the security, confidentiality, and integrity of personally identifiable information collected by States when issuing driver's licenses and identification documents, and for other purposes.- provisions relating to driver's licenses. H.R. 4538 - To amend the Fair Credit Reporting Act to require the inclusion of credit scores with free annual credit reports provided to consumers - provisions relating to credit scores. H.R. 3149 - To amend the Fair Credit Rporting Act to prohibit the use of consumer credit checks against prospective and current employees for the purposes of making adverse employment decisions. S. 3217- "Restoring American Financial Stability Act of 2010" - A bill to promote the financial stability of the US by improving accountability and transparency in the financial system to end "too big to fail", to protect the American taxpayer by ending bailouts, to protect cosumers from abusive financial services practices, and for other purposes - provisions relating to consumer financial protection. H.R. 5743 - To amend the Fair Credit Reporting Act to prohibit the furnishing of certain negative loan modification information to a consumer reporting agency and to prohibit such information from being used in computing a consumer's credit score. Provisions as they relate to consumer reporting agencies.

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

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

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

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

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

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HR 275/S. 392: Repeal of 3% witholding on certain payments to vendors by government entities HR 422: Extend R&D tax credit to through 2010, increase & make permanent alternative simplified credit (R&D Tax credit) HR 1083: Business Activity Tax Simplification Act of 2009 HR 1542: TARP Bonus Tax; PL 111-166 HR 1944/HR 2089: Subpart F Extension; PL 111-166 HR 1987/1508/S. 803: Wellness Programs HR 2897: Bank Accountability and Risk Assessment Act of 2009; PL 111-166 HR 989/S. 829: Provide a Federal income tax credit for Patriot employers HR 2158/S. 929: Nonroad Alternative Powered Equipment Tax Credits HR 2460/S. 1152: Healthy Families Act HR 3042/S. 1374: Worker Adjustment & Retraining Act HR 651: Deferred Compensation HR 1083: Simplification Act; PL 111-166 HR 2098: Corporations Bank Accountability and Risk Assessment Act of 2009; PL 111-166 HR 3135: To amend the Internal Revenue Code of 1986 to provide additional incentives for facilities producing electricity from wind HR 3136: To extend the program to provide grants for specified energy property in lieu of tax credits HR 3548: Extending & expanding home buyer tax credits and net operating loss carryback rules into 2010; PL 111-5 HR 1984/S. 401: 401 (k) Fair Disclosure for Retirement Security Act of 2009 S. 2927: A bill to amend the Internal Revenue Code of 1986 to impose a tax on certain securities transactions to fund job creation and deficit reduction, and for other purposes. HR 3933/S. 1934: Foreign Account Tax Compliance Act HR 2158/S. 929: Nonroad Alternative Powered Equipment Tax Credits HR 3052: Ending Taxpayer Bailouts by Making Wall Street Pay Act of 2010

Client expense: $720,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Defense, Dept of (DOD), Energy, Dept of, Environmental Protection Agency (EPA), HOUSE OF REPRESENTATIVES, Natl Guard, SENATE, State, Dept of (DOS), U.S. Trade Representative (USTR)

H.R. 4173 - To provide for financial regulatory reform, to protect consumers and investors, to enhance Federal understanding of insurance issues, to regulate the over-the-counter derivatves markets, and for other purposes - provisions relating to consumer reporting agencies S. 139 - A bill to require Federal agencies, and persons engaged in interstate commerce, in possession of data containing sensitive personally identifiable information, to disclose any breach of such information - provisions relating to credit reporting. S. 141 - A bill to amend title 18, United States Code, to limit the misuse of Social Security numbers, to establish criminal penalties for such misuse, and for other purposes - provisions relating to credit reporting. S. 414 - A bill to amend the Consumer Credit Protection Act, to ban abusive credit practices, enhance consumer disclosures, protect underage consumers, and for other purposes - provisions relating to credit reporting S. 392 - A bill to protect consumers, and especially young consumers, from skyrocketing credit card debt, unfair credit card practices, and deceptive credit offers - provisions related to young consumers. S. 235 - A bill to amend the Truth in Lending Act to establish fair and transparent practices relating to the extension of credit under an open end consumer credit plan - provisions related to young consumers. H.R. 1469 - To amend the National Child Protection Act of 1993 to establish a permanent background check system - provisions relating to credit reporting. H.R. 1728 - the Mortgage Reform and Anti-Predatory Lending act of 2009 - provisions relating to credit reporting. H..R. 1748 - the "Fight Fraud Act 2009" - provisions relating to mortgage fraud. H.R. 2221 - Data Accountability & Trust Act - provisions relating to protecting computerized data containing personal information and other provisions relating to credit reporting. H.R. 3126 Consumer Financial Protection Agency - all sections particularly as they relate to consumer reporting agencies. H.R. 3149 - Equal Employment for All Act - all provisions relating to the use of consusmer credit checks against prospective and current employees for the purposes of making adverse employment decisions. S. 1490 - A bill to prevent and mitigate identity theft, to ensure privacy, to provide notice of security breaches, and to enhance criminal penalties, law enforcement, assistance, and other protections against security breaches, fraudulent access, and misuse of personally idenftifiable information. - all provisions relating to data brokers H.R. 3421 - Amends the Fair Credit Reporting Act to prohibit a consumer reporting agency from making any report containing information related to a fully paid or settled medical debt that had been characterized as debt in collection for credit reporting purposes, which, for the date of payment or settlement, antedates the report by more than 30 calendar days.- all provisions relating to credit reporting. S. 1261 - A bill to repeal title II of the REAL ID Act of 2005 and amend title II of the Homeland Security Act of 2002 to better protect the security, confidentiality, and integrity of personally identifiable information collected by States when issuing driver's licenses and identification documents, and for other purposes.- provisions relating to driver's licenses. H.R. 4538 - To amend the Fair Credit Reporting Act to require the inclusion of credit scores with free annual credit reports provided to consumers - provisions relating to credit scores. H.R. 3149 - To amend the Fair Credit Rporting Act to prohibit the use of consumer credit checks against prospective and current employees for the purposes of making adverse employment decisions. S. "Restoring American Financial Stability Act of 2010" - A bill to promote the financial stability of the US by improving accountability and transparency in the financial system to end "too big to fail", to protect the American taxpayer by ending bailouts, to protect cosumers from abusive financial services practices, and for other purposes - provisions relating to consumer financial protection.

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

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

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

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

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

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

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

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

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S. 257, the Consumer Credit Fairness Act (all provisions) S. 392, the Credit Card Reform Act of 2009 (all provisions) S. 414, the Credit Card Accountability Responsibility and Disclosure Act of 2009 (all provisions) S. 541, the Depositor Protection Act (all provisions) H.R. 627, the Credit Cardholders' Bill of Rights Act of 2009 (all provisions) H.R. 703, To promote bank liquidity and lending through deposit insurance, the HOPE for Homeowners Program, and other enhancements. (all provisions) H.R. 786, To make permanent the temporary increase in deposit insurance coverage, and for other purposes (all provisions) H.R. 787, To make improvements in the Hope for Homeowners Program, and for other purposes (all provisions) H.R. 788, To provide a safe harbor for mortgage servicers who engage in specified mortgage loan modifications, and for other purposes (all provisions) H.R. 1106, the Helping Families Save Their Homes Act of 2009 (all provisions) H.R. 1214, the Payday Loan Reform Act of 2009 (all provisions) H.R. 1456, the Consumer Overdraft Protection Fair Practices Act (all provisions) H.R. 1479, the Community Reinvestment Modernization Act of 2009 H.R. 1728, the Mortgage Reform and Anti-Predatory Lending Act (all provisions) H.R. 1748, the Fight Fraud Act of 2009 (all provisions) Credit Card Fair Fee Act (Proposed legislation, all provisions) Schumer Credit Union Bill (Proposal) Becoming A Mutual Bill (Proposal) Treasury Homeowner Affordability and Stability Plan (Foreclosure Mitigation Proposal) S. ___ Financial Product Safety Commission Act (Disc. Draft) Corporate Credit Union Capital Data Federal Advisory Committee and Thrift Anti-Money Laundering/BSA Reform Credit card Interchange Real Estate Lending Survey

Client expense: $1,930,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of, White House Office

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

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

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

H.R. 275/S. 392: Repeal of 3% witholding on certain payments to vedors by governemetn entitites H.R. 422: Exend R&D tax credit to through 2010, increase & make permanment alternative simplified credit (R&D Tax credit) H.R. 1083: Business Activity Tax Simplification Act of 2009 H.R. 1542: TARP Bonus Tax H.R. 1944/H.R. 2089: Subpart F Extension H.R. 1987/S. 803: Wellness Programs H.R. 2897: Bank Accountability and Risk Assessment Act of 2009 H.R. 3170: FY '10 Financial Services Appropriations (Comprehensive carbon audit) H.R. 989/S. 829: Provide a Federal income tax credit for Partiot employers H.R. 2158/S. 929: Nonroad Alternative Powered Equipment Tax Credits H.R. 2460/S. 1152: Healthy Families Act H.R. 3042/S. 1374: Worker Adjustment & Retraining Act H.R. 651: Deferred Compensation H.R. 1083: Simplification Act H.R. 2098: Corporations Bank Accountability and Risk Assessment Act of 2009 H.R. 3136: To amend the Internal Revenue Code of 1986 to provide additional incentives for facilities producing electricity from wind

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

Government targets: Commerce, Dept of (DOC), Defense, Dept of (DOD), Energy, Dept of, Environmental Protection Agency (EPA), HOUSE OF REPRESENTATIVES, Natl Guard, SENATE, State, Dept of (DOS), U.S. Trade Representative (USTR)

H.R. 275/S. 392: Repeal of 3% witholding on certain payments to vedors by governemetn entitites H.R. 422: Exend R&D tax credit to through 2010, increase & make permanment alternative simplified credit (R&D Tax credit) H.R. 1083: Business Activity Tax Simplification Act of 2009 H.R. 1542: TARP Bonus Tax H.R. 1944/H.R. 2089: Subpart F Extension H.R. 1987/S. 803: Wellness Programs H.R. 2897: Bank Accountability and Risk Assessment Act of 2009 H.R. 3170: FY '10 Financial Services Appropriations (Comprehensive carbon audit) H.R. 989/S. 829: Provide a Federal income tax credit for Partiot employers H.R. 2158/S. 929: Nonroad Alternative Powered Equipment Tax Credits H.R. 2460/S. 1152: Healthy Families Act H.R. 3042/S. 1374: Worker Adjustment & Retraining Act H.R. 651: Deferred Compensation H.R. 1083: Simplification Act H.R. 2098: Corporations Bank Accountability and Risk Assessment Act of 2009 H.R. 3135: To amend the Internal Revenue Code of 1986 to provide additional incentives for facilities producing electricity from wind H.R. 3136: To extend the program to provide grants for specified energy property in lieu of tax credits H.R. 3548: Extending & expanding home buyer tax credits and net operating loss carryback rules into 2010; P.L. 111-92 H.R. 1984/S. 401: 401 (k) Fair Disclosure for Retirement Security Act of 2009 S. 2927: A bill to amend the Internal Revenue Code of 1986 to impose a tax on certain securities transactions to fund job creation and deficit reduction, and for other purposes. H.R. 3933/S. 1934: Foreign Account Tax Compliance Act H.R. 1508/S. 803: Wellness Programs

Client expense: $560,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Defense, Dept of (DOD), Energy, Dept of, Environmental Protection Agency (EPA), HOUSE OF REPRESENTATIVES, Natl Guard, SENATE, State, Dept of (DOS), U.S. Trade Representative (USTR)

H.R. 275/S. 392: Repeal of 3% witholding on certain payments to vedors by governemetn entitites H.R. 422: Exend R&D tax credit to through 2010, increase & make permanment alternative simplified credit (R&D Tax credit) H.R. 1083: Business Activity Tax Simplification Act of 2009 H.R. 1542: TARP Bonus Tax H.R. 1944/H.R. 2089: Subpart F Extension H.R. 1987/S. 803: Wellness Programs H.R. 2897: Bank Accountability and Risk Assessment Act of 2009 H.R. 3170: FY '10 Financial Services Appropriations (Comprehensive carbon audit) H.R. 989/S. 829: Provide a Federal income tax credit for Partiot employers H.R. 2158/S. 929: Nonroad Alternative Powered Equipment Tax Credits H.R. 2460/S. 1152: Healthy Families Act H.R. 3042/S. 1374: Worker Adjustment & Retraining Act H.R. 651: Deferred Compensation H.R. 1083: Simplification Act H.R. 2098: Corporations Bank Accountability and Risk Assessment Act of 2009 H.R. 3136: To amend the Internal Revenue Code of 1986 to provide additional incentives for facilities producing electricity from wind

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

Government targets: Commerce, Dept of (DOC), Defense, Dept of (DOD), Energy, Dept of, Environmental Protection Agency (EPA), HOUSE OF REPRESENTATIVES, Natl Guard, SENATE, State, Dept of (DOS), U.S. Trade Representative (USTR)

HR 627 Credit Cardholder' Bill of Rights Act of 2009 HR 703 Bank Liquidity/Deposit Insurance Legislation HR 786 Permanent Increase in Deposit Insurance HR 1106 Helping Families Save Their Homes Act of 2009 HR 1456 Consumer Overdraft Protection Fair Practices Act HR 1487 Overdraft Fee Notification Act HR 1728 Mortgage Reform and Anti-Predatory Lending Act H.R. 2221, the Data Accountability and Trust Act HR 2266 Reasonable Prudence in Regulations Act (Internet Gambling) HR 2267 Internet Gambling Regulation, Consumer Protection and Enforcement Act HR 2382 Credit Card Interchange Fees Act of 2009 HR 2676 The Administrative Support and Oversight of Financial Institutions Act of 2009 HR 2897 Bank Accountability and Risk Assessment Act of 2009 HR 3126 Consumer Financial Protection Agency Act of 2009 HR 3380 Promoting Lending to America's Small Businesses Act of 2009 HR 3639 Expedited CARD Reform for Consumers Act of 2009 HR 3904 Overdraft Protection Act of 2009 HR 3996 Financial Stability Improvement Act HR 4173 Wall Street Reform and Consumer Protection Act S. 235 Credit Cardholders' Bill of Rights Act of 2009 S. 392 Credit Card Reform Act of 2009 S. 414 Credit Card Accountability Responsibility and Disclosure Act S. 541 Depositor Protection Act of 2009 S. 664 Financial System Stabilization and Reform Act of 2009 S. 896 Helping Families Save Their Homes Act of 2009 S 1799 Fairness and Accountability in Receiving Overdraft Coverage Act of 2009/Fair Overdraft Coverage Act S1833 Expedited CARD Reform for Consumers Act of 2009 Bank Capital Rules Bank Examinations Community Bank Involvement with the TARP (access and terms of participation) Consumer Protection for Financial Products and Services Credit Card/Debit Card Interchange Fees Credit Card Protections and Disclosures Credit Union Business Lending Powers Deposit Concentration Cap Deposit Insurance Assessment Base Deposit Insurance Coverage Limits Deposit Insurance Premiums and FDIC Premium Prepayment FDIC Temporary Liquidity Guarantee Program Foreclosure Mitigation Housing Government Sponsored Enterprises Interest Rate Restrictions on Deposits Internet Gambling Regulations Legacy Loans Program Mark to Market Accounting Overdraft Protection Programs Regulatory Relief for Community Banks Regulatory Restructuring Regulation Z, HOEPA Rules, Higher Priced Loans Sarbanes-Oxley relief for community banks Senate Draft of Regulatory Reform Bill Systemic Risk and Too-Big-To-Fail Regulation TARP Funding, Oversight and Implementation

Client expense: $1,360,000 · 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

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

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

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

H.R. 275/S. 392: Repeal of 3% witholding on certain payments to vedors by governemetn entitites H.R. 422: Exend R&D tax credit to through 2010, increase & make permanment alternative simplified credit (R&D Tax credit) H.R. 1083: Business Activity Tax Simplification Act of 2009 H.R. 1542: TARP Bonus Tax H.R. 1944/H.R. 2089: Subpart F Extension H.R. 1987/S. 803: Wellness Programs H.R. 2897: Bank Accountability and Risk Assessment Act of 2009 H.R. 3170: FY '10 Financial Services Appropriations (Comprehensive carbon audit) H.R. 989/S. 829: Provide a Federal income tax credit for Partiot employers H.R. 2158/S. 929: Nonroad Alternative Powered Equipment Tax Credits H.R. 2460/S. 1152: Healthy Families Act H.R. 3042/S. 1374: Worker Adjustment & Retraining Act H.R. 651: Deferred Compensation H.R. 1083: Simplification Act H.R. 2098: Corporations Bank Accountability and Risk Assessment Act of 2009 H.R. 3135: To amend the Internal Revenue Code of 1986 to provide additional incentives for facilities producing electricity from wind H.R. 3136: To extend the program to provide grants for specified energy property in lieu of tax credits H.R. 3548: Extending & expanding home buyer tax credits and net operating loss carryback rules into 2010; P.L. 111-92 H.R. 1984/S. 401: 401 (k) Fair Disclosure for Retirement Security Act of 2009 S. 2927: A bill to amend the Internal Revenue Code of 1986 to impose a tax on certain securities transactions to fund job creation and deficit reduction, and for other purposes. H.R. 3933/S. 1934: Foreign Account Tax Compliance Act H.R. 1508/S. 803: Wellness Programs

Client expense: $560,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Defense, Dept of (DOD), Energy, Dept of, Environmental Protection Agency (EPA), HOUSE OF REPRESENTATIVES, Natl Guard, SENATE, State, Dept of (DOS), U.S. Trade Representative (USTR)

H.R. 275/S. 392: Repeal of 3% witholding on certain payments to vedors by governemetn entitites H.R. 422: Exend R&D tax credit to through 2010, increase & make permanment alternative simplified credit (R&D Tax credit) H.R. 1083: Business Activity Tax Simplification Act of 2009 H.R. 1542: TARP Bonus Tax H.R. 1944/H.R. 2089: Subpart F Extension H.R. 1987/S. 803: Wellness Programs H.R. 2897: Bank Accountability and Risk Assessment Act of 2009 H.R. 3170: FY '10 Financial Services Appropriations (Comprehensive carbon audit) H.R. 989/S. 829: Provide a Federal income tax credit for Partiot employers H.R. 2158/S. 929: Nonroad Alternative Powered Equipment Tax Credits H.R. 2460/S. 1152: Healthy Families Act H.R. 3042/S. 1374: Worker Adjustment & Retraining Act H.R. 651: Deferred Compensation H.R. 1083: Simplification Act H.R. 2098: Corporations Bank Accountability and Risk Assessment Act of 2009 H.R. 3136: To amend the Internal Revenue Code of 1986 to provide additional incentives for facilities producing electricity from wind

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

Government targets: Commerce, Dept of (DOC), Defense, Dept of (DOD), Energy, Dept of, Environmental Protection Agency (EPA), HOUSE OF REPRESENTATIVES, Natl Guard, SENATE, State, Dept of (DOS), U.S. Trade Representative (USTR)

H.R. 4173 - To provide for financial regulatory reform, to protect consumers and investors, to enhance Federal understanding of insurance issues, to regulate the over-the-counter derivatves markets, and for other purposes - provisions relating to consumer reporting agencies S. 139 - A bill to require Federal agencies, and persons engaged in interstate commerce, in possession of data containing sensitive personally identifiable information, to disclose any breach of such information - provisions relating to credit reporting. S. 141 - A bill to amend title 18, United States Code, to limit the misuse of Social Security numbers, to establish criminal penalties for such misuse, and for other purposes - provisions relating to credit reporting. H.R. 1705/S. 566 - To create a Financial Product Safety Commission, to provide consumers with stronger protections and better information in connection with consumer financial products and to give providers of consumer financial products more regulatory certainty - provisions relating to credit reporting S. 414 - A bill to amend the Consumer Credit Protection Act, to ban abusive credit practices, enhance consumer disclosures, protect underage consumers, and for other purposes - provisions relating to credit reporting S. 392 - A bill to protect consumers, and especially young consumers, from skyrocketing credit card debt, unfair credit card practices, and deceptive credit offers - provisions related to young consumers. S. 235 - A bill to amend the Truth in Lending Act to establish fair and transparent practices relating to the extension of credit under an open end consumer credit plan - provisions related to young consumers. H.R. 1469 - To amend the National Child Protection Act of 1993 to establish a permanent background check system - provisions relating to credit reporting. H.R. 1728 - the Mortgage Reform and Anti-Predatory Lending act of 2009 - provisions relating to credit reporting. H..R. 1748 - the "Fight Fraud Act 2009" - provisions relating to mortgage fraud. H.R. 2221 - Data Accountability & Trust Act - provisions relating to protecting computerized data containing personal information and other provisions relating to credit reporting. H.R. 3126 Consumer Financial Protection Agency - all sections particularly as they relate to consumer reporting agencies. H.R. 3149 - Equal Employment for All Act - all provisions relating to the use of consusmer credit checks against prospective and current employees for the purposes of making adverse employment decisions. S. 1490 - A bill to prevent and mitigate identity theft, to ensure privacy, to provide notice of security breaches, and to enhance criminal penalties, law enforcement, assistance, and other protections against security breaches, fraudulent access, and misuse of personally idenftifiable information. - all provisions relating to data brokers H.R. 3421 - Amends the Fair Credit Reporting Act to prohibit a consumer reporting agency from making any report containing information related to a fully paid or settled medical debt that had been characterized as debt in collection for credit reporting purposes, which, for the date of payment or settlement, antedates the report by more than 30 calendar days.- all provisions relating to credit reporting. H.R. 3149 - To amend the Fair Credit Reporting Act to prohibit the use of consumer credit checks against prospective and current employees for the purposes of making adverse employment decisions. - provisions relating to employment S. 1261 - A bill to repeal title II of the REAL ID Act of 2005 and amend title II of the Homeland Security Act of 2002 to better protect the security, confidentiality, and integrity of personally identifiable information collected by States when issuing driver's licenses and identification documents, and for other purposes.- provisions relating to driver's licenses

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

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

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

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

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

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Regulatory reform of the capital markets (S 664), financial stability plan, and ongoing disbursement of TARP funds. Consumer Financial Protection (HR 3126) particularly revisions related to tax preparation, tax planning and financial advisory services. Credit Card Reform Act of 2009 (S 392). Financial regulation (HR 4173) and Dodd Financial Regulation Discussion draft.

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

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Patent & Trademark Office (PTO), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

H.R. 275/S. 392: Repeal of 3% witholding on certain payments to vedors by governemetn entitites H.R. 422: Exend R&D tax credit to through 2010, increase & make permanment alternative simplified credit (R&D Tax credit) H.R. 1083: Business Activity Tax Simplification Act of 2009 H.R. 1542: TARP Bonus Tax H.R. 1944/H.R. 2089: Subpart F Extension H.R. 1987/S. 803: Wellness Programs H.R. 2897: Bank Accountability and Risk Assessment Act of 2009 H.R. 3170: FY '10 Financial Services Appropriations (Comprehensive carbon audit) H.R. 989/S. 829: Provide a Federal income tax credit for Partiot employers H.R. 2158/S. 929: Nonroad Alternative Powered Equipment Tax Credits H.R. 2450/S. 1152: Healthy Families Act H.R. 3042/S. 1374: Worker Adjustment & Retraining Act H.R. 651: Deferred Compensation H.R. 1083: Simplification Act H.R. 2098: Corporations Bank Accountability and Risk Assessment Act of 2009 H.R. 3135: To amend the Internal Revenue Code of 1986 to provide additional incentives for facilities producing electricity from wind

Client expense: $360,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Defense, Dept of (DOD), Energy, Dept of, Environmental Protection Agency (EPA), HOUSE OF REPRESENTATIVES, Natl Guard, SENATE, State, Dept of (DOS), U.S. Trade Representative (USTR)

H.R. 275/S. 392: Repeal of 3% witholding on certain payments to vedors by governemetn entitites H.R. 422: Exend R&D tax credit to through 2010, increase & make permanment alternative simplified credit (R&D Tax credit) H.R. 1083: Business Activity Tax Simplification Act of 2009 H.R. 1542: TARP Bonus Tax H.R. 1944/H.R. 2089: Subpart F Extension H.R. 1987/S. 803: Wellness Programs H.R. 2897: Bank Accountability and Risk Assessment Act of 2009 H.R. 3170: FY '10 Financial Services Appropriations (Comprehensive carbon audit) H.R. 989/S. 829: Provide a Federal income tax credit for Partiot employers H.R. 2158/S. 929: Nonroad Alternative Powered Equipment Tax Credits H.R. 2450/S. 1152: Healthy Families Act H.R. 3042/S. 1374: Worker Adjustment & Retraining Act H.R. 651: Deferred Compensation H.R. 1083: Simplification Act H.R. 2098: Corporations Bank Accountability and Risk Assessment Act of 2009 H.R. 3135: To amend the Internal Revenue Code of 1986 to provide additional incentives for facilities producing electricity from wind H.R. 2460/S. 1152: Healthy Families Act H.R. 3042/S. 1374: Worker Adjustment & Retraining Act

Client expense: $360,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Defense, Dept of (DOD), Energy, Dept of, Environmental Protection Agency (EPA), HOUSE OF REPRESENTATIVES, Natl Guard, SENATE, State, Dept of (DOS), U.S. Trade Representative (USTR)

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

H.R. 1777 - to make technical corrections to the Higher Education Act of 1965, and for other purposes - provisions relating to the imposition of new duties on consumer reporting agencies to which student loans are reported. H.R. 627 - to Amend the Truth in Lending Act to establish fair and transparent practices relating to the extension of credit under an open end consumer credit plan and for other purposes - provisions relating to credit reporting. S. 139 - A bill to require Federal agencies, and persons engaged in interstate commerce, in possession of data containing sensitive personally identifiable information, to disclose any breach of such information - provisions relating to credit reporting. S. 141 - A bill to amend title 18, United States Code, to limit the misuse of Social Security numbers, to establish criminal penalties for such misuse, and for other purposes - provisions relating to credit reporting. H.R. 1705/S. 566 - To create a Financial Product Safety Commission, to provide consumers with stronger protections and better information in connection with consumer financial products and to give providers of consumer financial products more regulatory certainty - provisions relating to credit reporting S. 414 - A bill to amend the Consumer Credit Protection Act, to ban abusive credit practices, enhance consumer disclosures, protect underage consumers, and for other purposes - provisions relating to credit reporting S. 392 - A bill to protect consumers, and especially young consumers, from skyrocketing credit card debt, unfair credit card practices, and deceptive credit offers - provisions related to young consumers. S. 235 - A bill to amend the Truth in Lending Act to establish fair and transparent practices relating to the extension of credit under an open end consumer credit plan - provisions related to young consumers. H.R. 1469 - To amend the National Child Protection Act of 1993 to establish a permanent background check system - provisions relating to credit reporting. H.R. 1728 - the Mortgage Reform and Anti-Predatory Lending act of 2009 - provisions relating to credit reporting. H..R. 1748 - the "Fight Fraud Act 2009" - provisions relating to mortgage fraud. S. 386 - A bill to improve enforcement of mortgage fraud, securities, financial institution fraud, and other fraud related to federal assistance and relief programs, for recovery of these funds lost to these frauds and for other purposes - provisions relating to mortgage fraud. H.R. 1 - Making supplemental appropriations for job preservation and creation, infrastructure investment, energy efficiency and science, assistance to the unemployed, and State and local fiscal year ending September 30, 2009 and for other purposes - provisions relating to credit reporting. H.R. 2221 - Data Accountability & Trust Act - provisions relating to protecting computerized data containing personal information and other provisions relating to credit reporting. Issue - Consumer protections and restructuring of the financial services industry. H.R. 3126 Consumer Financial Protection Agency - all sections particularly as they relate to consumer reporting agencies. H.R. 3149 - Equal Employment for All Act - all provisions relating to the use of consusmer credit checks against prospective and current employees for the purposes of making adverse employment decisions.

Client expense: $290,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Justice, Dept of (DOJ), SENATE, Treasury, Dept of, White House Office

Regulatory reform of the capital markets (S 664), financial stability plan, and ongoing disbursement of TARP funds. Consumer Financial Protection (HR 3126) particularly revisions related to tax preparation, tax planning and financial advisory services. Credit Card Reform Act of 2009 (S 392).

Client expense: $440,000 · Firm income: Not reported

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Patent & Trademark Office (PTO), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

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

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

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

HR 627 Credit Cardholder' Bill of Rights Act of 2009 HR 703 Bank Liquidity/Deposit Insurance Legislation HR 786 Permanent Increase in Deposit Insurance HR 1106 Helping Families Save Their Homes Act of 2009 HR 1349 Federal Accounting Oversight Board Act of 2009 HR 1456 Consumer Overdraft Protection Fair Practices Act HR 1487 Overdraft Fee Notification Act HR 1664 To Amend Executive Compensation Provision of EESA of 2008 HR 1728 Mortgage Reform and Anti-Predatory Lending Act HR 1754 Financial System Stabilization and Reform Act of 2009 HR 2382 Credit Card Interchange Fees Act of 2009 HR 2676 The Administrative Support and Oversight of Financial Institutions Act of 2009 HR 2897 Bank Accountability and Risk Assessment Act of 2009 HR 3126 Consumer Financial Protection Agency Act of 2009 HR 3639 Expedited CARD Reform for Consumers Act of 2009 S. 235 Credit Cardholders' Bill of Rights Act of 2009 S. 392 Credit Card Reform Act of 2009 S. 414 Credit Card Accountability Responsibility and Disclosure Act S. 541 Depositor Protection Act of 2009 S. 664 Financial System Stabilization and Reform Act of 2009 S. 896 Helping Families Save Their Homes Act of 2009 Bank Capital Rules Bank Examinations Community Bank Involvement with the TARP (access and terms of participation) Consumer Protection for Financial Products and Services Credit Card/Debit Card Interchange Fees Credit Card Protections and Disclosures Credit Union Business Lending Powers Deposit Concentration Cap Deposit Insurance Assessment Base Deposit Insurance Coverage Limits Deposit Insurance Premiums and Special FDIC Assessment FDIC Temporary Liquidity Guarantee Program Foreclosure Mitigation House Ag Committee Majority Staff - Potential Amendments to CFPA Housing Government Sponsored Enterprises Implementation of Secure and Fair Enforcement for Mortgage Licensing Act of 2008 Legacy Loans Program Mark to Market Accounting Mutual Term Sheet for Community Banks under TARP Capital Purchase Program Overdraft Protection Programs Real Estate Settlement Procedures Act Regulation Regulatory Relief for Community Banks Regulatory Restructuring Systemic Risk and Too-Big-To-Fail Regulation TARP Funding, Oversight and Implementation

Client expense: $850,000 · 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

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

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

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

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

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

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

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

Client expense: $840,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

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

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

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

HR 627, Credit Cardholders' Bill of Rights Act of 2009. HR 1106, Helping Families Save Their Homes in Bankruptcy Act of 2009 - Issues related to judicial loan modifications and bankruptcy. HR 1608, Protecting Consumers from Unreasonable Credit Rates Act of 2009 - Issues related to payday lending. HR 1728, Mortgage Reform and Anti-Predatory Lending Act - Issues related to predatory lending. S 235, Credit Cardholders' Bill of Rights Act of 2009. S 392, Credit Card Reform Act of 2009. S 414, Credit Card Accountability Responsibility and Disclosure Act of 2009. S 500, Protecting Consumers from Unreasonable Credit Rates Act of 2009. S 566, Financial Product Safety Commission Act of 2009. S 710, Fair Gift Card Act of 2009 - Issues related to gift cards and credit cards and credit card reform. Issues related to credit cards. Issues related to gift cards. Issues related to regulatory reform. Issues related to loan modification. Issues related to payday lending and predatory lending. Issues related to mortgage restructuring and refinancing and reform. Issues related to financial regulatory reform. Issues related to the GM/Chrysler restructuring. Issues related to ATM security. Issues related to credit rating agencies. Issues related to credit scoring. Issues related to Social Security numbers on Medicare cards.

Client expense: $120,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Consumer Product Safety Commission (CPSC), Federal Communications Commission (FCC), Federal Trade Commission (FTC), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of, White House Office

HR 384 TARP Reform and Accountability Act of 2009 (sections 101, 102, & 105) HR 387 TARP Accountability Act of 2009 HR 627 Credit Cardholders' Bill of Rights Act of 2009 HR 703 Bank Liquidity/Deposit Insurance Legislation HR 786 Permanent Increase in Deposit Insurance HR 1106 Helping Families Save Their Homes Act of 2009 HR 1349 Federal Accounting Oversight Board Act of 2009 HR 1456 Consumer Overdraft Protection Fair Practices Act HR 1586 To Impose an Additional Tax on Bonuses Received from Certain TARP Recipients HR 1664 To Amend Executive Compensation Provision of EESA of 2008 HR 1728 Mortgage Reform and Anti-Predatory Lending Act HR 1754 Financial System Stabilization and Reform Act of 2009 HR 2221 Data Accountability and Trust Act HR 2676 The Administrative Support and Oversight of Financial Institutions Act of 2009 HR 2897 Bank Accountability and Risk Assessment Act of 2009 S. 235 Credit Cardholders' Bill of Rights Act of 2009 S. 383 Special Inspector General for the TARP Act S. 392 Credit Card Reform Act of 2009 S. 414 Credit Card Accountability Responsibility and Disclosure Act S. 541 Depositor Protection Act of 2009 S. 664 Financial System Stabilization and Reform Act of 2009 S. 896 Helping Families Save Their Homes Act of 2009 Bank Capital Rules Bank Examinations Community Bank Involvement with the TARP (access and terms of participation) Consumer Protection for Financial Products and Services Credit Card/Debit Card Interchange Fees Credit Card Protections and Disclosures Credit Union Business Lending Powers Deposit Concentration Cap Deposit Insurance Assessment Base Deposit Insurance Coverage Limits Deposit Insurance Premiums and Special FDIC Assessment Farm Restructing Report and Community Bank Views FDIC Temporary Liquidity Guarantee Program Foreclosure Mitigation Housing Government Sponsored Enterprises Implementation of Secure and Fair Enforcement for Mortgage Licensing Act of 2008 Legacy Loans Program Mark to Market Accounting Mutual Term Sheet for Community Banks under TARP Capital Purchase Program Overdraft Protection Programs Real Estate Settlement Procedures Act Regulation Regulatory Relief for Community Banks Regulatory Restructuring Systemic Risk and Too-Big-To-Fail Regulation TARP Funding, Oversight and Implementation

Client expense: $1,620,000 · 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

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

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

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

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

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

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

H.R. 1777 - to make technical corrections to the Higher Education Act of 1965, and for other purposes - provisions relating to the imposition of new duties on consumer reporting agencies to which student loans are reported. H.R. 627 - to Amend the Truth in Lending Act to establish fair and transparent practices relating to the extension of credit under an open end consumer credit plan and for other purposes - provisions relating to credit reporting. S. 139 - A bill to require Federal agencies, and persons engaged in interstate commerce, in possession of data containing sensitive personally identifiable information, to disclose any breach of such information - provisions relating to credit reporting. S. 141 - A bill to amend title 18, United States Code, to limit the misuse of Social Security numbers, to establish criminal penalties for such misuse, and for other purposes - provisions relating to credit reporting. H.R. 1705/S. 566 - To create a Financial Product Safety Commission, to provide consumers with stronger protections and better information in connection with consumer financial products and to give providers of consumer financial products more regulatory certainty - provisions relating to credit reporting S. 414 - A bill to amend the Consumer Credit Protection Act, to ban abusive credit practices, enhance consumer disclosures, protect underage consumers, and for other purposes - provisions relating to credit reporting S. 392 - A bill to protect consumers, and especially young consumers, from skyrocketing credit card debt, unfair credit card practices, and deceptive credit offers - provisions related to young consumers. S. 235 - A bill to amend the Truth in Lending Act to establish fair and transparent practices relating to the extension of credit under an open end consumer credit plan - provisions related to young consumers. H.R. 1469 - To amend the National Child Protection Act of 1993 to establish a permanent background check system - provisions relating to credit reporting. H.R. 1728 - the Mortgage Reform and Anti-Predatory Lending act of 2009 - provisions relating to credit reporting. H..R. 1748 - the "Fight Fraud Act 2009" - provisions relating to mortgage fraud. S. 386 - A bill to improve enforcement of mortgage fraud, securities, financial institution fraud, and other fraud related to federal assistance and relief programs, for recovery of these funds lost to these frauds and for other purposes - provisions relating to mortgage fraud. H.R. 1 - Making supplemental appropriations for job preservation and creation, infrastructure investment, energy efficiency and science, assistance to the unemployed, and State and local fiscal year ending September 30, 2009 and for other purposes - provisions relating to credit reporting. H.R. 2221 - Data Accountability & Trust Act - provisions relating to protecting computerized data containing personal information and other provisions relating to credit reporting. Issue - Consumer protections and restructuring of the financial services industry.

Client expense: $230,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Justice, Dept of (DOJ), SENATE, Treasury, Dept of, White House Office