Taxpayer Abuse Prevention Act

S. 437 / H.R. 2519, a bill to amend the Internal Revenue Code of 1986 to allow the deduction of attorney-advanced expenses and court costs in contingency fee cases, provisions dealing with deductibility of contingency fee agreements S. 585, Taxpayer Abuse Prevention Act, provisions dealing with arbitration S. 3675 Small Business Jobs Preservation Act of 2010, provisions dealing with a draft asbestos amendment H.R. 4213, Unemployment Compensation Extension Act of 2010, including S. Amend. 4344 / 4324 and all provisions dealing with denying the deductibility of punitive damages (previously known as the American Jobs and Closing Tax Loopholes Act of 2010) H.R. 3817, Investor Protection Act of 2009 Various issues relating to the FDIC Insurance on Lawyers Trust Accounts, and a possible Department of Treasury ruling regarding deductibility of contingency fee agreements

Client expense: $14,490,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Securities & Exchange Commission (SEC)

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

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

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

Issues related to commercial credit providers, including: S. 585, S. 582, S. 566, S. 500, S. 414, S. 399, S. 392, S. 257, S. 255, S. 235, S. 165, S. 131, H.R. 1882, H.R. 1846, H.R. 1705, H.R. 1640, H.R. 1637, H.R. 1608, H.R. 1479, H.R. 1456, H.R. 1365, H.R. 1325, H.R. 1214, H.R. 627. Issues related to proposed new Consumer Financial Protection Agency. Dodd-Frank Wall Street Reform and Consumer Protection Act. Start-up operations of the Consumer Financial Protection Bureau. NEED TO ADD CFPB TO LIST OF AGENCIES BELOW TO SELECT FROM

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

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

Lobbying issues were: CFPA (encouraging Congress to create an effective federal consumer-focused banking regulator); credit cards (encouraging Congress to speed up the implementation of the Federal Reserve's new regulations and to add additional consumer protections); overdraft loans (encouraging Congress to implement restrictions on abusive overdraft practices); payday loans (encouraging Congress to prohibit abusive products and practices); [continued on next page] [continued from previous page] mortgage lending (encouraging Congress to prohibit abusive products and practices); mortgage loan modifications (encouraging Congress to provide incentive for servicers to modify loans to prevent foreclosures) Specific legislation that was the subject of lobbying activity: S61: Helping Families Save their Homes in Bankruptcy Act of 2009 (to allow for judicial loan modification for primary residences through the bankruptcy code) S257: Consumer Credit Fairness Act (to require the bankruptcy court to disallow any claim arising from an abusive high cost consumer credit transaction) S500: Protecting Consumers from Unreasonable Credit Rates Act of 2009 (to create a federal 36% APR usury cap) S585: Taxpayer Abuse Prevention Act (to provide additional protections for recipients of the earned income tax credit) S786: Improving Access to Mainstream Financial Institutions Act of 2009 (to establishing alternative small-dollar lending program to payday loans) S2824: Amendment to Community Development Banking and Financial Institutions Act of 1994 (to establish a small dollar loan-loss guarantee fund that insures fair and affordable small dollar loans) S3217: Restoring American Financial Stability Act of 2010, and related amendments (to create a single agency to have strong rulewriting and enforcement authority in consumer financial transactions) S3245: The Payday Lending Limitation Act of 2010 (to limit abusive aspects of payday loans) S.AMDT.4311 to HR4213: Franken/Snowe Amendment (to create an Office of the Homeowner Advocate) HR200: Helping Families Save Their Homes in Bankruptcy Act of 2009 (to allow for judicial loan modifications for primary residences through the bankruptcy code) HR225: Emergency Homeownership and Equity Protection Act (to allow for judicial loan modification for primary residences through the bankruptcy code) HR1106: Helping Families Save their Homes Act of 2009 (to allow for judicial loan modification for primary residences through the bankruptcy code) HR1214: Payday Loan Reform Act of 2009 (to limit the most abusive aspects of payday loans) HR1456: Consumer Overdraft Protection Fair Practices Act (to create federal protections against abusive and unfair overdraft practices) HR1608: Protecting Consumers from Unreasonable Credit Rates Act of 2009 (to create a federal 36% APR usury cap) HR1637: Universal Default Prohibition Act of 2009 (to eliminate universal increases in interest rate on a credit card when cardholders default on accounts with other creditors) HR1782: Fairness for Homeowners Act of 2009 (to protect consumers against abusive, unfair, or deceptive practices in the mortgage marketplace) HR1846: Consumer Lending Education And Reform Act (opposed the mere disclosure of abusive terms in payday loans and favored substantive consumer protections) HR2309: Consumer Credit and Debt Protection Act (to grant the FTC expedited rule-making authority) HR2563: Payday Lending Reform Act of 2009 (opposed the mere disclosure of abusive terms in payday loans and favored substantive consumer protections) HR3904: Overdraft Protection Act of 2009 (to create federal protections against abusive and unfair overdraft practices) HR4173: The Wall Street Reform and Consumer Protection Act of 2009, and related amendments (to create a single agency to have strong rulewriting and enforcement authority in consumer financial transactions, and to protect consumers against abusive, unfair, or deceptive practices in the mortgage marketplace) HR4229: Borrowers' Right to Inspect Closing Documents Act of 2009 (to require more timely delivery of loan and closing documents to borrower) HR4300: Restoring America's Commitment to Consumers Act of 2009 (favoring a 36% inclusive interest rate cap) HR5689: Predatory Lending Sunset Act (to place a cap on the rate of interest allowed on small-dollar consumer loans) HR5942: FFSCC Act of 2010 (to protect existing state laws limiting abusive payday lending practices) House and Senate GSE Bills, not yet introduced (to ensure there is a secondary housing market to serve low- and moderate-income communities) Freedom of Mobility in Banking Act, not yet introduced (to facilitate consumers' ability to change banking accounts, including protection from unfair related fees) Executive branch agencies and issues: Dept. of Treasury -- Consumer Financial Protection Agency, HAMP, GSE reform, Bank On program Federal Trade Commission -- debt settlement, auto financing Banking agencies (Federal Reserve System, FDIC, OCC, OTS) -- testified at hearing on reforms to Community Reinvestment Act HUD -- GSE reform FDIC -- overdraft loans

H.R. 1020 / S. 931 - Arbitration Fairness Act H.R. 1237 - S. 512 - Fairness in Nursing Home Arbitration Act H.R. 991 - Consumer Fairness Act S. 458 - False Claims Clarification Act H.R. 1178 - False Claims Corrections Act S. 386 - Fraud Enforcement and Recovery Act H.R. 1346 / S. 540 - Medical Device Safety Act H.R. 759 - Food and Drug Administration Globalization Act H.R. 609 - Right to Clean Vehicles Act S. 537 / H.R. 1508 - Sunshine in Litigation Act H.R. 1105 - Omnibus Appropriations Act H.R. 1214 - Payday Loan Reform Act of 2009 S. 263 - Servicemembers Access to Justice Act of 2009 H.R. 1748 - Fight Fraud Act S. 448 / H.R. 985 - Free Flow of Information Act S. 1504 - Notice Pleading Restoration Act of 2009 H.R. 4115 - Open Access to Courts Act S. 1606 - Foreign Manufacturers Legal Accountability Act of 2009 S. 1551 - Liability for Aiding and Abetting Securities Violations Act of 2009 H.R. 3871 - Investor Protection Act H.R. 3200 - Medial Malpractice issues n the "America's Affordable Health Choices Act" H.R. 3200 - Medicare Secondary Payer provisions in the "America's Affordable Health Choices Act" H.R. 3451 - Arbitration related provisions in the "America's Affordable Health Choices Act" S. 560 / H.R. 1409 - All provisions of the Employee Free Choice Act H.R. 1788 - All provisions of the False Claims Act Correction Act S. 2831 (110th congress bill) - All provisions of the 110th Congress' Federal Trade Commission Reauthorization Act P.L. 110-314 - All provisions of the Consumer Product Safety Improvement Act H.R. 1 / Senate Amendment 570 to the same, P.L. 111-5 - the State AG HIPPA enforcement provisions of the American Recovery and Reinvestment Act H.R. 1106 / Senate Amendment 673 to the same, P.S. 111-8 - the State AG HIPPA enforcement provisions of the American Recovery and Reinvestment Act No bill number - General background on U.S. capitol markets competitiveness and regulation No bill number - Potential legislation dealing with the Medicare Secondary Payer provisions of the Medicare Statute No bill number - General background on drug and device labeling rules ad the doctrine of Federal preemption S. 437 / H.R. 2519 - All aspects of untitled legislation to amend the Internal Revenue Code of 1986 to allow the deduction of attorney-advanced expenses and court costs in contingency fee cases No bill number - General background on U.S. capitol markets competitiveness and regulation No bill number - General background on securities litigation and P.L. 104-67, the Private Securities Litigation Reform Act No bill number - Potential legislation dealing with attorney pay-to-play issues in securities litigation No bill number - General background on arbitration and other alternative dispute resolution mechanisms No bill number - General background on State AGs and their enforcement authority / activities H.R. 2309 - State AG enforcement provisions of Consumer Credit Protection Improvement Act H.R. 609 - All provisions of the Right to Clean Vehicles Act S. 585 - Arbitration provisions of the Taxpayer Abuse Prevention Act No bill number - All provisions of the Non-Deductibility of Punitive Damages Proposal in the President's Budget Submission

Sections Relating to ADR in the following bills: S585, HR2410, HR2475, HR4405, HR4173

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

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. 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

Lobbying issues were: CFPA (encouraging Congress to create an effective federal consumer-focused banking regulator); credit cards (encouraging Congress to speed up the implementation of the Federal Reserve's new regulations and to add additional consumer protections); overdraft loans (encouraging Congress to implement restrictions on abusive overdraft practices); payday loans (encouraging Congress to pass a 36% rate cap on consumer loans); [continued on next page] [continued from previous page] mortgage lending (encouraging Congress to prohibit abusive products and practices); mortgage loan modifications (encouraging Congress to provide incentives for servicers to modify loans to prevent foreclosures) Specific legislation that was subject of lobbying activity: S61: Helping Families Save their Homes in Bankruptcy Act of 2009 (to allow for judicial loan modification for primary residences through the bankruptcy code) S257: Consumer Credit Fairness Act (to require the bankruptcy court to disallow any claim arising from an abusive high cost consumer credit transaction) S500: Protecting Consumers from Unreasonable Credit Rates Act of 2009 (to create a federal 36% APR usury cap) S585: Taxpayer Abuse Prevention Act (to provide additional protections for recipients of the earned income tax credit) S1799: FAIR Overdraft Coverage Act of 2009 (to create federal protections against abusive and unfair overdraft practices) S2824: Amendment to Community Development Banking and Financial Institutions Act of 1994 to establish a small dollar loan-loss guarantee fund, and for other purposes (to establish a small dollar loan-loss guarantee fund that insures fair and affordable small dollar loans) S3217: Restoring American Financial Stability Act of 2010, and related amendments (to create a single agency to have strong rulewriting and enforcement authority in consumer financial transactions) S3245: The Payday Loan Limitation Act (to place a cap on the rate of interest allowed on payday loans) HR200: Helping Families Save Their Homes in Bankruptcy Act of 2009 (to allow for judicial loan modification for primary residences through the bankruptcy code) HR225: Emergency Homeownership and Equity Protection Act (to allow for judicial loan modification for primary residences through the bankruptcy code) HR1106: Helping Families Save their Homes Act of 2009 (to allow for judicial loan modification for primary residences through the bankruptcy code) HR1214: Payday Loan Reform Act of 2009 (to limit the most abusive aspects of payday loans) HR1456: Consumer Overdraft Protection Fair Practices Act (to create federal protections against abusive and unfair overdraft practices) HR1608: Protecting Consumers from Unreasonable Credit Rates Act of 2009 (to create a federal 36% APR usury cap) HR1637: Universal Default Prohibition Act of 2009 (to eliminate universal increases in interest rate on a credit card when cardholders default on accounts with other creditors) HR1728: Mortgage Reform and Anti-Predatory Lending Act (to protect consumers against abusive, unfair, or deceptive practices in the mortgage marketplace) HR1782: Fairness for Homeowners Act of 2009 (to protect consumers against abusive, unfair, or deceptive practices in the mortgage marketplace) HR1846: Consumer Lending Education And Reform Act (opposed the mere disclosure of abusive terms in payday loans and favored substantive consumer protections) HR2309: Consumer Credit and Debt Protection Act (to grant the FTC expedited rule-making authority) HR2563: Payday Lending Reform Act of 2009 (opposed the mere disclosure of abusive terms in payday loans and favored substantive consumer protections) HR3126: Consumer Financial Protection Agency Act of 2009 (to create a single agency to have strong rulewriting and enforcement authority in consumer financial transactions) HR3639: Expedited CARD Reform for Consumers Act of 2009 (to move up the effective date of the Credit CARD Act to December 1, 2009) HR3904: Overdraft Protection Act of 2009 (to create federal protections against abusive and unfair overdraft practices) HR4173: The Wall Street Reform and Consumer Protection Act of 2009, and related amendments (to create a single agency to have strong rulewriting and enforcement authority in consumer financial transactions) HR4229: Borrowers' Right to Inspect Closing Documents Act of 2009 (to require more timely delivery of loan and closing documents to borrower) HR5689: Predatory Lending Sunset Act (to place a cap on the rate of interest allowed on small-dollar consumer loans) Senate regulatory reform draft bill (not yet introduced) (to create a single agency to have strong rulewriting and enforcement authority in consumer financial transactions) Senate payday alternatives amendment (not yet introduced) (to create an alterative for abusive small-dollar loans) Senate FDIC payday standard (not yet introduced) (to create consumer protections for payday loan borrowers) Executive branch agencies and issues: Federal Reserve - Truth In Lending rescission rules Dept. of Treasury - Consumer Financial Protection Agency, HAMP Federal Trade Commission - debt settlement

H.R. 1020 / S. 931 - Arbitration Fairness Act H.R. 1237 / S. 512 - Fairness in Nursing Home Arbitration Act H.R. 991 - Consumer Fairness Act S. 458 - False Claims Clarification Act H.R. 1178 - False Claims Corrections Act S. 386 - Fraud Enforcement and Recovery Act H.R. 1346 / S. 540 - Medical Device Safety Act H.R. 759 - Food and Drug Administration Globalization Act H.R. 609 - Right to Clean Vehicles Act S. 537 / H.R. 1508 - Sunshine in Litigation Act H.R. 1105 - Omnibus Appropriations Act H.R. 1214 - Payday Loan Reform Act of 2009 S. 263 - Servicemembers Access to Justice Act of 2009 H.R. 1748 - Fight Fraud Act S. 448 / H.R. 985 - Free Flow of Information Act S. 1504 - Notice Pleading Restoration Act of 2009 H.R. 4115 - Open Access to Courts Act S. 1606 - Foreign Manufacturers legal Accountability Act of 2009 S. 1551 - Liability for Aiding and Abetting Securities Violations Act of 2009 H.R. 3871 - Investor Protection Act H.R. 3200 - Medical Malpractice issues in the "America's Affordable Health Choices Act" H.R. 3200 - Medicare Secondary Payer provisions in the "America's Affordable Health Choices Act" H.R. 3451 - Arbitration related provisions in the "America's Affordable Health Choices Act" S. 560 / H.R. 1409 - All provisions of the Employee Free Choice Act H.R. 1788 - All provisions of the False Claims Act Correction Act S. 2831 - (110th Congress bill) - All provisions of the 110th Congress' Federal Trade Commission Reauthorization Act P.L. 110-314 - All provisions of the Consumer Product Safety Improvement Act H.R. 1 / Senate Amendment 570 to the same, P.L. 111-5 - The State AG HIPPA enforcement provisions of the American Recovery and Reinvestment Act H.R. 1106 / Senate Amendment 673 to the same, P.L. 111-8 - The State AG HIPPA enforcement provisions of the American Recovery and Reinvestment Act No bill number - General background and information on the doctrine of Federal preemption No bill number - Potential legislation dealing with the Medicare Secondary Payer provisions of the Medicare Statute No bill number - General background on drug and device labeling rules and the doctrine of Federal preemption S. 437 / H.R. 2519 - All aspects of untitled legislation to amend the Internal Revenue Code of 1986 to allow the deduction of attorney-advanced expenses and court costs in contingency fee cases No bill number - General background on U.S. capitol markets competitiveness and regulation No bill number - General background on securities litigation and P.L. 104-67, the Private Securities Litigation Reform Act No bill number - Potential legislation dealing with attorney pay-to-play issues in securities litigation No bill number - General background on arbitration and other alternative dispute resolution mechanisms No bill number - General background on State AGs and their enforcement authority / activities H.R. 2309 - State AG enforcement provisions of Consumer Credit Protection Improvement Act H.R. 609 - All provisions of the Right to Clean Vehicles Act S. 585 - Arbitration provisions of the Taxpayer Abuse Prevention Act No bill number - All provisions of the Non-Deductibility of Punitive Damages Proposal in the President's Budget Submission

H.R. 3451, Foreclosure and Sound Mortgage Servicing Act of 2009, provisions on arbitration S. 512/H.R. 1237, Fairness in Nursing Home Arbitration Act H.R. 991, Consumer Fairness Act of 2009 H.R. 1214, Payday Loan Reform Act of 2009 S. 537/H.R. 1508/H.R. 5419, Sunshine in Litigation Act of 2009 H.R. 3200, Affordable Health Choices Act, provisions on medical mal-practice S. 445, Attorney-Client Privilege Protection Act of 2009 S. 1504, Notice Pleading Restoration Act of 2009 S. 2915, Rape Victims' Act of 2009 H.R. 4115, Open Access to Courts Act H.R. 5503, Securing Protections for the Injured from Limitations on Liability Act H.R. 4326, Attorney-Client Privilege Protection Act of 2009 H.R. 1020/S. 931, Arbitration Fairness Act of 2009 H.R. 4678/S. 1606, Foreign Manufacturers Legal Accountability Act S. 3302/HR 5381, Motor Vehicle Safety Act, provisions on liability H.R. 2454, American Clean Energy and Security Act of 2009, provisions on litigation H.R. 2868, Chemical Facility Anti-Terrorism Act of 2009, provisions on litigation S. 585, Taxpayer Abuse Prevention Act, provisions on arbitration S. 263, Service Members Access to Justice Act of 2009, provisions on arbitration H.R. 1728, Mortgage Reform and Anti-Predatory Lending Act, provisions on arbitration Amendment 154 offered for potential consideration on H.R. 5136, provisions of an arbitration related amendment offered in the House Rules Committee for potential consideration on the National Defense Authorization Act of 2011 General background on: legal reform issues, discovery reform, medical liability reform, arbitration and other alternative dispute resolution mechanisms, attorney-client privilege and asbestos (no specific legislation introduced)

Client expense: $3,750,000 · Firm income: Not reported

S. 437/H.R. 2519, a bill to amend the Internal Revenue Code of 1986 to allow the deduction of attorney-advanced expenses and court costs in contingency fee cases S. 585, Taxpayer Abuse Prevention Act

Client expense: $3,750,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Justice, Dept of (DOJ), SENATE, Securities & Exchange Commission (SEC)

Sections Relating to ADR in the following bills: S585, HR2410, HR2475, HR4405, HR4173

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

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. Dodd-Frank Wall Street Reform and Consumer Protection Act

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

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

Lobbying issues were: CFPA (encouraging Congress to create an effective federal consumer-focused banking regulator); credit cards (encouraging Congress to speed up the implementation of the Federal Reserve's new regulations and to add additional consumer protections); overdraft loans (encouraging Congress to implement restrictions on abusive overdraft practices); payday loans (encouraging Congress to pass a 36% rate cap on consumer loans); [continued on next page] [continued from previous page] mortgage lending (encouraging Congress to prohibit abusive products and practices); mortgage loan modifications (encouraging Congress to provide incentives for servicers to modify loans to prevent foreclosures) Specific legislation that was subject of lobbying activity: S61: Helping Families Save their Homes in Bankruptcy Act of 2009 (to allow for judicial loan modification for primary residences through the bankruptcy code) S257: Consumer Credit Fairness Act (to require the bankruptcy court to disallow any claim arising from an abusive high cost consumer credit transaction) S414: Credit Card Accountability Responsibility and Disclosure Act of 2009 (to create consumer protections against credit card abusive practices) S500: Protecting Consumers from Unreasonable Credit Rates Act of 2009 (to create a federal 36% APR usury cap) S566: Financial Product Safety Commission Act of 2009 (to create a single agency to have strong rulewriting and enforcement authority in consumer financial transactions) S585: Taxpayer Abuse Prevention Act (to provide additional protections for recipients of the earned income tax credit) S1799: FAIR Overdraft Coverage Act of 2009 (to create federal protections against abusive and unfair overdraft practices) S2824: Amendment to Community Development Banking and Financial Institutions Act of 1994 to establish a small dollar loan-loss guarantee fund, and for other purposes (to establish a small dollar loan-loss guarantee fund that insures fair and affordable small dollar loans) HR200: Helping Families Save Their Homes in Bankruptcy Act of 2009 (to allow for judicial loan modification for primary residences through the bankruptcy code) HR225: Emergency Homeownership and Equity Protection Act (to allow for judicial loan modification for primary residences through the bankruptcy code) HR627: Credit Cardholders' Bill of Rights Act of 2009 (to create consumer protections against credit card abusive practices) HR1106: Helping Families Save their Homes Act of 2009 (to allow for judicial loan modification for primary residences through the bankruptcy code) HR1214: Payday Loan Reform Act of 2009 (to limit the most abusive aspects of payday loans) HR1456: Consumer Overdraft Protection Fair Practices Act (to create federal protections against abusive and unfair overdraft practices) HR1608: Protecting Consumers from Unreasonable Credit Rates Act of 2009 (to create a federal 36% APR usury cap) HR1637: Universal Default Prohibition Act of 2009 (to eliminate universal increases in interest rate on a credit card when cardholders default on accounts with other creditors) HR1705: Financial Product Safety Commission Act of 2009 (to create a single agency to have strong rulewriting and enforcement authority in consumer financial transactions) HR1728: Mortgage Reform and Anti-Predatory Lending Act (to protect consumers against abusive, unfair, or deceptive practices in the mortgage marketplace) HR1782: Fairness for Homeowners Act of 2009 (to protect consumers against abusive, unfair, or deceptive practices in the mortgage marketplace) HR1846: Consumer Lending Education And Reform Act (opposed the mere disclosure of abusive terms in payday loans and favored substantive consumer protections) HR2309: Consumer Credit and Debt Protection Act (to grant the FTC expedited rule-making authority) HR2563: Payday Lending Reform Act of 2009 (opposed the mere disclosure of abusive terms in payday loans and favored substantive consumer protections) HR3126: Consumer Financial Protection Agency Act of 2009 (to create a single agency to have strong rulewriting and enforcement authority in consumer financial transactions) HR3639: Expedited CARD Reform for Consumers Act of 2009 (to move up the effective date of the Credit CARD Act to December 1, 2009) HR3904: Overdraft Protection Act of 2009 (to create federal protections against abusive and unfair overdraft practices) HR4173: The Wall Street Reform and Consumer Protection Act of 2009 (to create a single agency to have strong rulewriting and enforcement authority in consumer financial transactions) HR4229: Borrowers' Right to Inspect Closing Documents Act of 2009 (to require more timely delivery of loan and closing documents to borrower) Senate regulatory reform draft bill (not yet introduced) (to create a single agency to have strong rulewriting and enforcement authority in consumer financial transactions) Senate payday alternatives amendment (not yet introduced) (to create an alterative for abusive small-dollar loans) Senate FDIC payday standard (not yet introduced) (to create consumer protections for payday loan borrowers) Executive branch agencies and issues: Federal Reserve - Truth In Lending rescission rules Dept. of Treasury - Consumer Financial Protection Agency FDIC GAO

H.R. 1020 / S. 931 - Arbitration Fairness Act H.R. 1237 / S. 512 - Fairness in Nursing Home Arbitration Act H.R. 991 - Consumer Fairness Act S. 458 - False Claims Clarification Act H.R. 1178 - False Claims Corrections Act S. 386 - Fraud Enforcement and Recovery Act H.R. 1346 / S. 540 - Medical Device Safety Act H.R. 759 - Food and Drug Administration Globalization Act H.R. 609 - Right to Clean Vehicles Act S. 537 / H.R. 1508 - Sunshine in Litigation Act H.R. 1105 - Omnibus Appropriations Act H.R. 1214 - Payday Loan Reform Act of 2009 S. 263 - Servicemembers Access to Justice Act of 2009 H.R. 1728 - Mortgage Reform and Anti-Predatory Lending Act S. 445 - Attorney-Client Privilege Protection Act of 2009 S. 437 - Contingency Fee Tax Breaks H.R. 1748 - Fight Fraud Act S. 448 / H.R. 985 - Free Flow of Information Act S. 1504 - Notice Pleading Restoration Act of 2009 H.R. 4115 - Open Access to Courts Act S. 1606 - Foreign Manufacturers Legal Accountability Act of 209 S. 1551 - Liability for Aiding and Abetting Securities Violations Act of 2009 H.R. 3871 - Investor Protection Act H.R. 3200 - Medical Malpractice issues in the "America's Affordable Health Choices Act" H.R. 3200 - Medicare Secondary Payer provisions in the "America's Affordable Health Choices Act" H.R. 3451 - Arbitration related provisions of the "Foreclosure and Sound Mortgage Servicing Act of 2009" S. 560 / H.R. 1409 - All provisions of the Employee Free Choice Act H.R. 1788 - All provisions of the False Claims Act Correction Act S. 2831 - (110th Congress bill) - All provisions of the 110th Congress' Federal Trade Commission Reauthorization Act P.L. 110-314 - All provisions of the Consumer Product Safety Improvement Act H.R. 1 / Senate Amendment 570 to the same, P.L. 111-5 - The State AG HIPPA enforcement provisions of the American Recovery and Reinvestment Act H.R. 1106 / Senate Amendment 673 to the same, P.O. 111-8 - The State AG Truth in Lending Enforcement Provisions in the Omnibus Appropriations Act of 2009 No bill number - General background and information on the doctrine of Federal preemption No bill number - Potential legislation dealing with the Medicare Secondary Payer provisions of the Medicare Statute No bill number - General background on drug and device labeling rules and the doctrine of Federal preemption S. 437 / H.R. 2519 - All aspects of untitled legislation to amend the Internal Revenue Code of 1986 to allow the deduction of attorney-advanced expenses and court costs in contingency fee cases No bill number - General background on U.S. capital markets competitiveness and regulation No bill number - General background on securities litigation and P.L. 104-67, the Private Securities Litigation Reform Act No bill number - Potential legislation dealing with attorney pay-to-play issues in securities litigation No bill number - General background on arbitration and other alternative dispute resolution mechanisms No bill number - General background on State AGs and their enforcement authority / activities H.R. 2309 - State AG enforcement provision of Consumer Credit Protection Improvement Act H.R. 609 - All provisions of the Right to Clean Vehicles Act S. 585 - Arbitration provisions of the Taxpayer Abuse Prevention Act No bill number - All provisions of the Non-Deductibility of Punitive Damages Proposal in the President's Budget Submission

Sections Relating to ADR in the following bills: S585, HR2410, HR2475, HR4405

Client expense: $60,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S. 437/H.R. 2519, a bill to amend the Internal Revenue Code of 1986 to allow the deduction of attorney-advanced expenses and court costs in contingency fee cases S. 585, Taxpayer Abuse Prevention Act, provisions on arbitration

Client expense: $5,640,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Securities & Exchange Commission (SEC)

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

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

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

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

Lobbying issues were: CFPA (encouraging Congress to create an effective federal consumer-focused banking regulator); credit cards (encouraging Congress to speed up the implementation of the Federal Reserve's new regulations and to add additional consumer protections); overdraft loans (encouraging Congress to implement restrictions on abusive overdraft practices); payday loans (encouraging Congress to pass a 36% rate cap on consumer loans); [continued on next page] [continued from previous page] mortgage lending (encouraging Congress to prohibit abusive products and practices); mortgage loan modifications (encouraging Congress to provide incentives for servicers to modify loans to prevent foreclosures) Specific legislation that was subject of lobbying activity: S61: Helping Families Save their Homes in Bankruptcy Act of 2009 (to allow for judicial loan modification for primary residences through the bankruptcy code) S257: Consumer Credit Fairness Act (to require the bankruptcy court to disallow any claim arising from a high cost consumer credit transaction) S414: Credit Card Accountability Responsibility and Disclosure Act of 2009 (to create consumer protections against credit card abusive practices) S500: Protecting Consumers from Unreasonable Credit Rates Act of 2009 (to create a federal 36% APR usury cap) S566: Financial Product Safety Commission Act of 2009 (to create a single agency to have strong rulewriting and enforcement authority in consumer financial transactions) S585: Taxpayer Abuse Prevention Act (to provide additional protections for recipients of the earned income tax credit) S1799: FAIR Overdraft Coverage Act of 2009 (to create federal protections against abusive and unfair overdraft practices) S2824: Amendment to Community Development Banking and Financial Institutions Act of 1994 to establish a small dollar loan-loss guarantee fund, and for other purposes (to establish a small dollar loan-loss guarantee fund) HR200: Helping Families Save Their Homes in Bankruptcy Act of 2009 (to allow for judicial loan modification for primary residences through the bankruptcy code) HR225: Emergency Homeownership and Equity Protection Act (to allow for judicial loan modification for primary residences through the bankruptcy code) HR627: Credit Cardholders' Bill of Rights Act of 2009 (to create consumer protections against credit card abusive practices) HR1106: Helping Families Save their Homes Act of 2009 (to allow for judicial loan modification for primary residences through the bankruptcy code) HR1214: Payday Loan Reform Act of 2009 (to limit the most abusive aspects of payday loans) HR1456: Consumer Overdraft Protection Fair Practices Act (to create federal protections against abusive and unfair overdraft practices) HR1608: Protecting Consumers from Unreasonable Credit Rates Act of 2009 (to create a federal 36% APR usury cap) HR1637: Universal Default Prohibition Act of 2009 (to eliminate universal default) HR1705: Financial Product Safety Commission Act of 2009 (to create a single agency to have strong rulewriting and enforcement authority in consumer financial transactions) HR1728: Mortgage Reform and Anti-Predatory Lending Act (to protect consumers against abusive, unfair, or deceptive practices in the mortgage marketplace) HR1782: Fairness for Homeowners Act of 2009 (to protect consumers against abusive, unfair, or deceptive practices in the mortgage marketplace) HR1846: Consumer Lending Education And Reform Act (opposed the mere disclosure of abusive terms in payday loans and favored substantive consumer protections) HR2309: Consumer Credit and Debt Protection Act (to grant the FTC expedited rule-making authority) HR2563: Payday Lending Reform Act of 2009 (opposed the mere disclosure of abusive terms in payday loans and favored substantive consumer protections) HR3126: Consumer Financial Protection Agency Act of 2009 (to create a single agency to have strong rulewriting and enforcement authority in consumer financial transactions) HR3639: Expedited CARD Reform for Consumers Act of 2009 (to move up the effective date of the Credit CARD Act to December 1, 2009) HR3904: Overdraft Protection Act of 2009 (to create federal protections against abusive and unfair overdraft practices) HR4173: The Wall Street Reform and Consumer Protection Act of 2009 (to create a single agency to have strong rulewriting and enforcement authority in consumer financial transactions) Senate regulatory reform draft bill (not yet introduced) (to create a single agency to have strong rulewriting and enforcement authority in consumer financial transactions) Executive branch agencies and issues: Federal Reserve - Truth In Lending rescission rules Dept. of Treasury - Consumer Financial Protection Agency

H.R. 1020 / S. 931 - Arbitration Fairness Act H.R. 1237 / S. 512 - Fairness in Nursing Home Arbitration Act H.R. 991 - Consumer Fairness Act S. 458 - False Claims Clarification Act H.R. 1178 - False Claims Corrections Act S. 386 - Fraud Enforcement and Recovery Act H.R. 1346 / S. 540 - Medical Device Safety Act H.R. 759 - Food and Drug Administration Globalization Act H.R. 609 - Right to Clean Vehicles Act S. 537 / H.R. 1508 - Sunshine in Litigation Act H.R. 1105 - Omnibus Appropriations Act H.R. 1214 - Payday Loan Reform Act of 2009 S. 263 - Servicemembers Access to Justice Act of 2009 H.R. 1728 - Mortgage Reform and Anti-Predatory Lending Act S. 445 - Attorney-Client Privilege Protection Act of 2009 S. 437 - Contingency Fee Tax Breaks H.R. 1748 - Fight Fraud Act S.448 / H.R. 985 - Free Flow of Information Act S. 1504 - Notice Pleading Restoration Act of 2009 H.R. 4115 - Open Access to Courts Act S. 1606 - Foreign Manufacturers Legal Accountability Act of 2009 S. 1551 - Liability for Aiding and Abetting Securities Violations Act of 2009 H.R. 3871 - Investor Protection Act H.R. 3200 - Medical Malpractice issues in the "America's Affordable Health Choices Act" H.R. 3200 - Medicare Secondary Payer provisions i nthe "America's Affordable Health Choices Act" H.R. 3451 - Arbitration related provisions of the "Foreclosure and Sound Mortgage Servicing Act of 2009" S. 560 / H.R. 1409 - All provisions of the Employee Ffree Choice Act H.R. 1788 - All provisions of the False Claims Act Correction Act S. 2831 (110th Congress bill) - All provisions of he 110th Congress' Federal Trade Commission Reauthorization Act P.L. 110-314 - All provisions of the Consumer Product Safety Improvement Act H.R. 1 / Senate Amendment 570 to the same, P.L. 111-5 - The State AG HIPPA enforcement provisions of the American Recovery and Reinvestment Act H.R. 1105 / Senate Amendment 673 to the same, P.L. 111-8 - The State AG Truth in Lending Enforceent Provisions in the Omnibus Appropriations Act of 2009 No bill number - General background and information on the doctrine of Federal preemption No bill number - Potential legislaiton dealing with the Medicare Secondary Payer provisions of the Medicare Statute No bill number - General background on drug and device labelig rules and the doctrine of Federal preemption S. 437 / H.R. 2519 - All aspects of untitled legislation to amend the Internal Revenue Code of 1986 to allow the deduction of attorney-advanced expenses and court costs in contingency fee cases No bill number - General background on U.S. capital markets competitiveness and regulation No bill number - General background on securities litigaiton and P.L. 104-67, the Private Securities Litigation Reform Act No bill number - Potential legislation dealing with attorney pay-to-play isues in securities litigation No bill number - General background on legal reform issues No bill number - General background on discovery reform No bill number - General background on medical liability reform No bill number - Potential medical malpractice provisions / amendments to the draft "America's Healthy Future Act" No bill number - General background on arbitration and other alternative dispute resolution mechanisms No bill number - General background on State AGs and their enforcement authority/activities H.R. 2309 - State AG enforcement provision of Consumer Credit Protection Improvement Act H.R. 609 - All provisions of the Right to Clean Vehicles Act S. 585 - Arbitration provisions of the Taxpayer Abuse Prevention Act No bill number - All provisions of the Non-Deductibility of Punitive Damages Proposal in the President's Budget Submission

H.R. 1020/S. 931, Arbitration Fairness Act of 2009 S. 512/H.R. 1237, Fairness in Nursing Home Arbitration Act H.R. 991, Consumer Fairness Act of 2009 H.R. 1728, Mortgage Reform and Anti-Predatory Lending Act, provisions on arbitration H.R. 3451, Foreclosure and Sound Mortgage Servicing Act of 2009, provisions on arbitration H.R. 1214, Payday Loan Reform Act of 2009 S. 537/H.R. 1508, Sunshine in Litigation Act of 2009 S. 263, Servicemembers Access to Justice Act of 2009 H.R. 3200, Affordable Health Choices Act, provisions on medical malpractice reform S. 445, Attorney-Client Privilege Protection Act of 2009 H.R. 4115, Open Access to Courts Act S. 1504, Notice Pleading Restoration Act of 2009 S. 585, Taxpayer Abuse Prevention Act, provisions on arbitration General background on legal reform issues, discovery reform, medical liability reform, arbitration and other alternative dispute resolution mechanisms Defense Contractor Mandatory Arbitration Amendment offered by Senator Franken Non-Deductibility of punitive damages proposal in the President's Budget Submission (no specific legislation) Draft Legislation, Sexual Assault Victims Act and the Rape Victims' Act of 2009 (not yet introduced)

Client expense: $7,960,000 · Firm income: Not reported

Sections Relating to ADR in the following bills: S585, HR2410, HR2475, HR4405

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to tax-related financial products, especially Refund Anticipation Loans (RALs), which are offered by Pacific Capital. Lobby to protect Pacific's ability to offer, and consumers' ability to receive, with solid disclosures and protections of these loan products. Inform covered officials about facts and benefits of the RAL product. Monitor legislative and regulatory activity that could possibly affect RALs, or unfairly draw in RALs, including S. 585, Taxpayer Abuse Prevention Act; (see addendum). S. 500, Protecting Consumers from Unreasonable Credit Rates Act; and H.R. 1214, the Payday Loan Reform Act; H.R. 3126, the Consumer Financial Protection Agency Act; and H.R. 4173, the Wall Street Reform and Consumer Protection Act and predecessor bills in the House and Senate counterparts.

Client expense: Not reported · Firm income: $60,000

Government targets: HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), SENATE

Issues related to tax-related financial products, especially Refund Anticipation Loans (RALs), which are offered by Pacific Capital. Lobby to protect Pacific's ability to offer, and consumers' ability to receive, with solid disclosures and protections of these loan products. Inform covered officials about facts and benefits of the RAL product. Monitor legislative and regulatory activity that could possibly affect RALs, or unfairly draw in RALs, including S. 585, Taxpayer Abuse Prevention Act; (see addendum) S. 500, Protecting Consumers from Unreasonable Credit Rates Act; and H.R. 1214, the Payday Loan Reform Act; H.R. 3126, the Consumer Financial Protection Agency Act; and H.R. 4173, the Wall Street Reform and Consumer Protection Act and predecessor bills in the House and Senate counterparts.

Client expense: Not reported · Firm income: $60,000

Government targets: HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), SENATE

Issues related to tax-related financial products, especially Refund Anticipation Loans (RALs), which are offered by Pacific Capital. Lobby to protect Pacific's ability to offer, and consumers' ability to receive, with solid disclosures and protections of these loan products. Inform covered officials about facts and benefits of the RAL product. Monitor legislative and regulatory activity that could possibly affect RALs, or unfairly draw in RALs, including S. 585, Taxpayer Abuse Prevention Act; (see addendum) S. 500, Protecting Consumers from Unreasonable Credit Rates Act; and H.R. 1214, the Payday Loan Reform Act; H.R. 3126, the Consumer Financial Protection Agency Act; and H.R. 4173, the Wall Street Reform and Consumer Protection Act and predecessor bills in the House and Senate counterparts.

Client expense: Not reported · Firm income: $60,000

Government targets: HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), SENATE

Issues related to tax-related financial products, especially Refund Anticipation Loans (RALs), which are offered by Pacific Capital. Lobby to protect Pacific's ability to offer, and consumers' ability to receive, with solid disclosures and protections of these loan products. Inform covered officials about facts and benefits of the RAL product. Monitor legislative and regulatory activity that could possibly affect RALs, or unfairly draw in RALs, including S. 585, Taxpayer Abuse Prevention Act; (see addendum) S. 500, Protecting Consumers from Unreasonable Credit Rates Act; and H.R. 1214, the Payday Loan Reform Act; H.R. 3126, the Consumer Financial Protection Agency Act; and H.R. 4173, the Wall Street Reform and Consumer Protection Act and predecessor bills in the House and Senate counterparts.

Client expense: Not reported · Firm income: $60,000

Government targets: HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), SENATE

Issues related to tax-related financial products, especially Refund Anticipation Loans (RALs), which are offered by Pacific Capital. Lobby to protect Pacific's ability to offer, and consumers' ability to receive, with solid disclosures and protections of these loan products. Inform covered officials about facts and benefits of the RAL product. Monitor legislative and regulatory activity that could possibly affect RALs, or unfairly draw in RALs, including S. 585, Taxpayer Abuse Prevention Act; (see addendum) S. 500, Protecting Consumers from Unreasonable Credit Rates Act; and H.R. 1214, the Payday Loan Reform Act; H.R. 3126, the Consumer Financial Protection Agency Act; and H.R. 4173, the Wall Street Reform and Consumer Protection Act and predecessor bills in the House and Senate counterparts.

Client expense: Not reported · Firm income: $60,000

Government targets: HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), 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

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

Sections Relating to ADR in the following bills: S585, HR2410, HR2475

Client expense: $60,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Lobbying issues were: CFPA (encouraging Congress to create an effective federal consumer-focused banking regulator); credit cards (encouraging Congress to speed up the implementation of the Federal Reserve's new regulations and to add additional consumer protections); overdraft loans (encouraging Congress to implement restrictions on abusive overdraft practices); payday loans (encouraging Congress to pass a 36% rate cap on consumer loans) Specific legislation that was subject of lobbying activity: S61: Helping Families Save their Homes in Bankruptcy Act of 2009 S257: Consumer Credit Fairness Act S414: Credit Card Accountability Responsibility and Disclosure Act of 2009 S500: Protecting Consumers from Unreasonable Credit Rates Act of 2009 S566: Financial Product Safety Commission Act of 2009 S585: Taxpayer Abuse Prevention Act HR200: Helping Families Save Their Homes in Bankruptcy Act of 2009 HR225: Emergency Homeownership and Equity Protection Act HR627: Credit Cardholders' Bill of Rights Act of 2009 HR1106: Helping Families Save their Homes Act of 2009 HR1214: Payday Loan Reform Act of 2009 HR1456: Consumer Overdraft Protection Fair Practices Act HR1608: Protecting Consumers from Unreasonable Credit Rates Act of 2009 HR1637: Universal Default Prohibition Act of 2009 HR 1705: Financial Product Safety Commission Act of 2009 HR1728: Mortgage Reform and Anti-Predatory Lending Act HR1782: Fairness for Homeowners Act of 2009 HR 1846: Consumer Lending Education And Reform Act HR 2309: Consumer Credit and Debt Protection Act HR 2563: Payday Lending Reform Act of 2009 H.R. 3126: Consumer Financial Protection Agency Act of 2009 H.R. 3639: Expedited CARD Reform for Consumers Act of 2009 Senate overdraft bill (not yet introduced) Senate Consumer Financial Protection Agency bill (not yet introduced)

Lobbying issues were: CFPA (encouraging Congress to create an effective federal consumer-focused banking regulator); credit cards (encouraging Congress to speed up the implementation of the Federal Reserve's new regulations and to add additional consumer protections); overdraft loans (encouraging Congress to implement restrictions on abusive overdraft practices); payday loans (encouraging Congress to pass a 36% rate cap on consumer loans) Specific legislation that was subject of lobbying activity: S61: Helping Families Save their Homes in Bankruptcy Act of 2009 S257: Consumer Credit Fairness Act S414: Credit Card Accountability Responsibility and Disclosure Act of 2009 S500: Protecting Consumers from Unreasonable Credit Rates Act of 2009 S566: Financial Product Safety Commission Act of 2009 S585: Taxpayer Abuse Prevention Act HR200: Helping Families Save Their Homes in Bankruptcy Act of 2009 HR225: Emergency Homeownership and Equity Protection Act HR627: Credit Cardholders' Bill of Rights Act of 2009 HR1106: Helping Families Save their Homes Act of 2009 HR1214: Payday Loan Reform Act of 2009 HR1456: Consumer Overdraft Protection Fair Practices Act HR1608: Protecting Consumers from Unreasonable Credit Rates Act of 2009 HR1637: Universal Default Prohibition Act of 2009 HR 1705: Financial Product Safety Commission Act of 2009 HR1728: Mortgage Reform and Anti-Predatory Lending Act HR1782: Fairness for Homeowners Act of 2009 HR 1846: Consumer Lending Education And Reform Act HR 2309: Consumer Credit and Debt Protection Act HR 2563: Payday Lending Reform Act of 2009 H.R. 3126: Consumer Financial Protection Agency Act of 2009 H.R. 3639: Expedited CARD Reform for Consumers Act of 2009 Senate overdraft bill (not yet introduced) Senate Consumer Financial Protection Agency bill (not yet introduced)

Issues related to tax-related financial products, especially Refund Anticipation Loans (RALs), which are offered by Pacific Capital. Lobby to protect Pacific's ability to offer, and consumers' ability to receive, with solid disclosures and protections of these loan products. Inform covered officials about facts and benefits of the RAL product. Monitor legislative and regulatory activity that could possibly affect RALs, or unfairly draw in RALs, including S. 585, Taxpayer Abuse Prevention Act; (see addendum) S. 500, Protecting Consumers from Unreasonable Credit Rates Act; and H.R. 1214, the Payday Loan Reform Act; and H.R. 3126, the Consumer Financial Protection Agency Act.

Client expense: Not reported · Firm income: $60,000

Government targets: HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), SENATE

Issues related to tax-related financial products, especially Refund Anticipation Loans (RALs), which are offered by Pacific Capital. Lobby to protect Pacific's ability to offer, and consumers' ability to receive, with solid disclosures and protections of these loan products. Inform covered officials about facts and benefits of the RAL product. Monitor legislative and regulatory activity that could possibly affect RALs, or unfairly draw in RALs, including S. 585, Taxpayer Abuse Prevention Act; (see addendum). S. 500, Protecting Consumers from Unreasonable Credit Rates Act; and H.R. 1214, the Payday Loan Reform Act; and H.R. 3126, the Consumer Financial Protection Agency Act.

Client expense: Not reported · Firm income: $60,000

Government targets: HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), SENATE

Issues related to tax-related financial products, especially Refund Anticipation Loans (RALs), which are offered by Pacific Capital. Lobby to protect Pacific's ability to offer, and consumers' ability to receive, with solid disclosures and protections of these loan products. Inform covered officials about facts and benefits of the RAL product. Monitor legislative and regulatory activity that could possibly affect RALs, or unfairly draw in RALs, including S. 585, Taxpayer Abuse Prevention Act; (see addendum) S. 500, Protecting Consumers from Unreasonable Credit Rates Act; and H.R. 1214, the Payday Loan Reform Act; and H.R. 3126, the Consumer Financial Protection Agency Act.

Client expense: Not reported · Firm income: $60,000

Government targets: HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), SENATE

Issues related to tax-related financial products, especially Refund Anticipation Loans (RALs), which are offered by Pacific Capital. Lobby to protect Pacific's ability to offer, and consumers' ability to receive, with solid disclosures and protections of these loan products. Inform covered officials about facts and benefits of the RAL product. Monitor legislative and regulatory activity that could possibly affect RALs, or unfairly draw in RALs, including S. 585, Taxpayer Abuse Prevention Act; (see addendum) S. 500, Protecting Consumers from Unreasonable Credit Rates Act; and H.R. 1214, the Payday Loan Reform Act; and H.R. 3126, the Consumer Financial Protection Agency Act.

Client expense: Not reported · Firm income: $60,000

Government targets: HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), SENATE

Issues related to tax-related financial products, especially Refund Anticipation Loans (RALs), which are offered by Pacific Capital. Lobby to protect Pacific's ability to offer, and consumers' ability to receive, with solid disclosures and protections of these loan products. Inform covered officials about facts and benefits of the RAL product. Monitor legislative and regulatory activity that could possibly affect RALs, or unfairly draw in RALs, including S. 585, Taxpayer Abuse Prevention Act; (see addendum) S. 500, Protecting Consumers from Unreasonable Credit Rates Act; and H.R. 1214, the Payday Loan Reform Act; and H.R. 3126, the Consumer Financial Protection Agency Act.

Client expense: Not reported · Firm income: $60,000

Government targets: HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), SENATE

H.R. 1020/S. 931, Arbitration Fairness Act of 2009 H.R. 1214, Payday Loan Reform Act of 2009 S. 537/H.R. 1508, Sunshine in Litigation Act of 2009 S. 263, Servicemembers Access to Justice Act of 2009 S. 512/H.R. 1237, Fairness in Nursing Home Arbitration Act H.R. 991, Consumer Fairness Act of 2009 H.R. 1728, Mortgage Reform and Anti-Predatory Lending Act, arbitration provisions H.R. 3451, Foreclosure and Sound Mortgage Servicing Act of 2009, arbitration provisions H.R. 3200, Affordable Health Choices Act, provisions on medical malpractice S. 445, Attorney-Client Privilege Protection Act of 2009 S. 1504, Notice Pleading Restoration Act of 2009 S. 585, Taxpayer Abuse Prevention Act, arbitration provisions General background on legal reform issues, discovery reform, medical liability reform, medical malpractice and arbitration and other alternative dispute resolution mechanisms (no specific legislation introduced)

Client expense: $4,240,000 · Firm income: Not reported

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

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

S61: Helping Families Save their Homes in Bankruptcy Act of 2009 S257: Consumer Credit Fairness Act S414: Credit Card Accountability Responsibility and Disclosure Act of 2009 S500: Protecting Consumers from Unreasonable Credit Rates Act of 2009 S566: Financial Product Safety Commission Act of 2009 S585: Taxpayer Abuse Prevention Act HR200: Helping Families Save Their Homes in Bankruptcy Act of 2009 HR225: Emergency Homeownership and Equity Protection Act HR627: Credit Cardholders' Bill of Rights Act of 2009 HR1106: Helping Families Save their Homes Act of 2009 HR1214: Payday Loan Reform Act of 2009 HR1456: Consumer Overdraft Protection Fair Practices Act HR1608: Protecting Consumers from Unreasonable Credit Rates Act of 2009 HR1637: Universal Default Prohibition Act of 2009 HR 1705: Financial Product Safety Commission Act of 2009 HR1728: Mortgage Reform and Anti-Predatory Lending Act HR1782: Fairness for Homeowners Act of 2009 HR 1846: Consumer Lending Education And Reform Act HR 2309: Consumer Credit and Debt Protection Act HR 2563: Payday Lending Reform Act of 2009

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