Helping Families Save Their Homes in Bankruptcy Act of 2009

H.R. 200 - Helping Families Save their Homes in Bankruptcy Act of 2009 - Excludes from computation of debts the secured or unsecured portions of: (1) debts secured by the debtor's principal residence if the current value of that residence is less than the secured debt limit. H.R. 1106 - Helping Families Save Their Homes Act of 2009 - Amends federal bankruptcy law governing a Chapter 13 debtor (adjustment of debts of an individual with regular income) to exclude from the computation of debts the secured or unsecured portions of: (1) debts secured by the debtor's principal residence if the value of the residence is less than the applicable maximum amount of noncontingent, liquidated, secured debts; or (2) debts secured or formerly secured by the debtor's principal residence that was either sold in foreclosure or surrendered to the creditor if the property's value was less than the applicable maximum amount of noncontingent, liquidated, secured debts. S. 61 - Helping Families Save their Homes in Bankruptcy Act of 2009 - Amends federal bankruptcy law governing a Chapter 13 debtor (adjustment of debts of an individual with regular income). Excludes from computation of debts the secured or unsecured portions of: (1) debts secured by the debtor's principal residence if the current value of that residence is less than the secured debt limit; or (2) debts secured or formerly secured by debtor's principal residence that was either sold in foreclosure or surrendered to the creditor if the current value of such real property is less than the secured debt limit.

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

Government targets: Energy, Dept of, Environmental Protection Agency (EPA), Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), SENATE, Treasury, Dept of, Veterans Affairs, Dept of (VA)

H. R. 200 /S. 61 - Helping Families Save Their Homes in Bankruptcy Act-Addresses the treatment of primary mortgages in foreclosure by allowing bankruptcy judges to modify loan terms.

Client expense: $110,172 · Firm income: Not reported

Government targets: Energy, Dept of, Environmental Protection Agency (EPA), Federal Emergency Management Agency (FEMA), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE, Small Business Administration (SBA), Treasury, Dept of

S.61 - Helping Families Save Their Homes Act of 2010 - All provisions S.386 - Fraud Enforcement & Recovery Act of 2009 - All provisions Implementation of Secure and Fair Enforcement for Mortgage Licensing Act of 2008 Talked to Senate staff re: GSE reform (no bill yet)

Client expense: $1,260,000 · Firm income: Not reported

Government targets: Commodity Futures Trading Commission (CFTC), Council of Economic Advisers (CEA), Executive Office of the President (EOP), Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Natl Economic Council (NEC), Office of Thrift Supervision (OTS), SENATE, Treasury, Dept of, White House Office

H.R. 200 (Helping Families Save Their Homes in Bankruptcy Act); H.R. 225 (Emergency Homeownership and Equity Protection Act); H.R. 230 (Housing Opportunity and Mortgage Equity Act of 2009) (foreclosure avoidance and loan modifications); H.R. 384 (TARP Reform and Accountability Act); H.R. 703 (Legislation to promote bank liquidity and lending through deposit insurance, the HOPE for Homeowners Program, and other enhancements); H.R. 786 (To make permanent the temporary increase in deposit insurance coverage, and for other purposes); H.R. 787 (to make improvements in the Hope for Homeowners Program) (foreclosure avoidance and loan modifications); H.R. 788 (To provide a safe harbor for mortgage servicers who engage in specified mortgage loan modifications, and for other purposes); H.R. 1020 (Arbitration Fairness Act of 2009); H.R. 1106 (Helping Families Save Their Homes Act) (foreclosure avoidance and loan modifications); H.R. 1728 (To amend the Truth in Lending Act to reform consumer mortgage practices and provide accountability for such practices, to provide certain minimum standards for consumer mortgage loans, and for other purposes) (mortgage reform); H.R. 1731 (Credit Risk Retention Act); H.R. 1758 (Mortgage Reform and Anti-predatory Lending Act of 2009); H.R. 3269 (Corporate and Financial Institution Compensation Fairness Act of 2009); H.R. 3451 (To require mortgagees for mortgages in default to engage in reasonable loss mitigation activities); H.R. 3606 (Consumer Financial Protection Agency Act); H.R. 3817 (Investor Protection Act)(Arbitration, Broker-Dealer Standard of Care, SRO Rulemaking); H.R. 3996 (The Financial Stability Improvement Act of 2009); H.R. 4173 (Dodd-Frank Wall Street Reform and Consumer Protection Act)(Fiduciary Duty, Arbitration Clauses, Custody of Client Assets, Securities Litigation); S. 61 (Helping Families Save Their Homes in Bankruptcy Act); S. 376 (Real Estate Mortgage Investment Conduit Improvement Act of 2009); S. 896 (Helping Families Save Their Homes Act); S. 931 (Arbitration Fairness Act of 2009); S. 1073 (Rating Accountability and Transparency Enhancement Act of 2009); S. 1540 (To provide for enhanced authority of the FDIC to act as receiver for certain affiliates of depository institutions); S. 1731 (To require certain mortgages to make loan modifications and establish grant programs for state and local government mediation programs); S. 2886 (Bank Integrity Retention Act); S. 3217 (Investor Protection Act)(Arbitration, Broker-Dealer Standard of Care, SRO Rulemaking); Housing Affordability and Stability Plan; Student loans (special allowance payment rates); Credit Rating Agency Reform; Government Sponsored Enterprise Reform (GSE).

Client expense: $1,280,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Natl Economic Council (NEC), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of, U.S. Trade Representative (USTR)

H.R. 1106 - Helping Families Save Their Homes Act of 2009 H.R. 200 / S. 61 - Helping Families Save Their Homes Bankruptcy Act

Client expense: $1,202,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 4229, Borrowers' Right to Inspect Closing Documents Act of 2009. All Provisions. Amends the Real Estate Settlement Procedures Act of 1974 to ensure that borrowers under federally related mortgage loans have an opportunity to inspect closing documents. S. 61, Helping Families Save Their Homes in Bankruptcy Act of 2009. All provisions. Provides for cramdowns of mortgage principal balance. Amends title 11 of the United States Code with respect to modification of certain mortgages on principal residences, and for other purposes. 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. 225, Emergency Homeownership and Equity Protection Act. All Provisions. Provides for cramdowns of mortgage principal balance. Amends title 11 of the United States Code with respect to modification of certain mortgages on principal residences, and for other purposes. H.R. 230, Housing Opportunity and Mortgage Equity Act of 2009. All Provisions. Directs the Federal National Mortgage Association (Fannie Mae) and the Federal Home Loan Mortgage Corporation (Freddie Mac) (the enterprises) to implement a program to purchase and securitize qualified refinancing mortgages and qualified new mortgages on single-family housing in accordance with policies and procedures established by the Director of the Federal Housing Finance Agency (FHFA). H.R. 1728, Mortgage Reform and Anti-Predatory Lending Act. All Provisions. Amends TILA to reform consumer mortgage practices and provides accountability. H.R. 1731, Credit Risk Retention Act of 2009. All Provisions. Amends the Truth in Lending Act to require any creditor who transfers, sells, or conveys certain residential mortgage loans to third parties to retain an economic interest in a material portion of the credit risk for any such loan, and for other purposes. H.R. 2181, Mortgage Assistance Information and Scam Prevention Act of 2009. All Provisions. To require servicers of mortgages on single family homes to provide notice to mortgagors of possible eligibility for Federal mortgage assistance. H.R. 2666, Mortgage Foreclosure Rescue and Loan Modification Services Fraud Prevention Act of 2009. All Provisions. To require the Federal Trade Commission to conduct a rulemaking proceeding with respect to mortgage foreclosure rescue and loan modification services, and for other purposes. H.R. 3126, Consumer Financial Protection Agency Act of 2009. All Provisions. Establishes a Consumer Financial Protection Agency with the authority and accountability to supervise, examine, and enforce consumer financial protection laws. H.R. 3527, FHA Multifamily Loan Limit Adjustment Act of 2009. All Provisions. Increases the maximum mortgage amount limitations under the FHA mortgage insurance programs for multifamily housing projects with elevators and for extremely high cost areas. H.R. 3996, Financial Stability Improvement Act of 2009. All Provisions. Improves financial stability ; provisions regarding risk retention obligations. Provides for financial regulatory reform, to protect consumers and investors. H.R. 4173, Dodd-Frank Wall Street Reform and Consumer Protection Act. All Provisions. Provides for financial regulatory reform, to protect consumers and investors, to enhance Federal understanding of insurance issues, to regulate the over-the-counter derivatives markets, and for other purposes.(BILL IS NOW LAW) H.R.5072, FHA Reform Act of 2010. All Provisions. Improves the financial safety and soundness of the FHA mortgage insurance program. H.R. 5297, Small Business Jobs and Credit Act of 2010. All Provisions. Creates the Small Business Lending Fund Program to direct the Secretary of the Treasury to make capital investments in eligible institutions in order to increase the availability of credit for small businesses, and for other purposes. (BILL IS NOW LAW)

Client expense: $556,000 · Firm income: Not reported

Government targets: Energy, Dept of, Federal Bureau of Investigation (FBI), Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Justice, Dept of (DOJ), SENATE, Treasury, Dept of, White House Office

H.R. 200, Helping Families Save Their Homes in Bankruptcy Act of 2009. All Provisions. Amends title 11 of the United States Code with respect to modification of certain mortgages on principal residences, and for other purposes. H.R.3081, Continuing Appropriations Act of 2011. All Provisions. Continuing resolution to fund the government and other items. (this bill has become Law) S. 61, Helping Families Save Their Homes in Bankruptcy Act of 2009. All Provisions. Amends federal bankruptcy law governing a Chapter 13 debtor (adjustment of debts of an individual with regular income). H.R. 2452, Net Operating Loss (NOL) Carryback Act. To amend the Internal Revenue Code of 1986 a 5-year carryback of operating losses, and for other purposes.

Client expense: $556,000 · Firm income: Not reported

Government targets: Energy, Dept of, Federal Bureau of Investigation (FBI), Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Justice, Dept of (DOJ), SENATE, Treasury, Dept of, White House Office

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

Client expense: $102,000 · Firm income: Not reported

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Natl Credit Union Administration (NCUA), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of, White House Office

H.R. 200/S. 61: HELPING FAMILIES SAVE THEIR HOMES IN BANKRUPTCY ACT OF 2009; PROVISIONS RELATED TO BANKRUPTCY MORTGAGE MODIFICATION H.R. 225: EMERGENCY HOMEOWNERSHIP AND EQUALITY PROTECTION ACT; PROVISIONS RELATED TO BANKRUPTCY MORTGAGE MODIFICATION H.R. 703: TO PROMOTE BANK LIQUIDITY AND LENDING THROUGH DEPOSIT INSURANCE, THE HOPE FOR HOMEOWNERS PROGRAM AND OTHER ENHANCEMENTS; PROVISIONS RELATED TO BANKRUPTCY MORTGAGE MODIFICATION H.R. 788: TO PROVIDE SAFE HARBOR FOR MORTGAGE SERVICERS WHO ENGAGE IN SPECIFIED MORTGAGE LOAN MODIFICATIONS, AND FOR OTHER PURPOSES; PROVISIONS RELATED TO BANKRUPTCY MORTGAGE MODIFICATION H.R. 977: DERIVATIVES MARKETS TRANSPARENCY AND ACCOUNTABILITY ACT OF 2009; PROVISIONS RELATED TO REGULATORY REFORM H.R. 1039: PROMOTING HEALTH INFORMATION TECHNOLOGY ACT OF 2009; PROVISIONS RELATED TO PRIVACY H.R. 1705/S. 566: FINANCIAL PRODUCT SAFETY COMMISSION ACT OF 2009; PROVISIONS RELATED TO REGULATORY REFORM H.R. 2221: DATA ACCOUNTABILITY AND TRUST ACT; PROVISIONS RELATED TO DATA SECURITY BREACH H.R. 2571/S. 1363: NONADMITTED AND REINSURANCE REFORM ACT OF 2009; PROVISIONS RELATED TO STREAMLINING REINSURANCE REGULATION H.R. 2733/S. 1389: FIXED INDEXED ANNUITIES AND INSURANCE PRODUCTS CLASSIFICATION ACT OF 2009; PROVISIONS RELATED TO ANNUITIES REGULATION (SEC RULE 151A) H.R. 3399: TO AMEND THE INTERNAL REVENUE CODE OF 1986 TO PERMIT THE CONSOLIDATION OF LIFE INSURANCE COMPANIES WITH OTHER COMPANIES; PROVISIONS RELATED TO TAXATION OF LIFE INSURANCE COMPANIES H.R. 3506: ELIMINATE PRIVACY NOTICE CONFUSION ACT; ISSUES RELATED TO DATA SECURITY BREACH H.R. 3596/S. 1681: HEALTH INSURANCE INDUSTRY ANTITRUST ENFORCEMENT ACT OF 2009; PROVISIONS RELATED TO INSURANCE ANTI-TRUST REGULATIONS (MCCARRON-FERGUSON) AND PRIVACY H.R. 3669: EMPLOYER-OWNED LIFE INSURANCE LIMITATION ACT; PROVISIONS RELATED TO COMPANY OWNED LIFE INSURANCE H.R. 3763: TO AMEND THE FAIR CREDIT REPORTING ACT TO PROVIDE FOR AN EXCLUSION FROM RED FLAG GUIDELINES FOR CERTAIN BUSINESSES; PROVISIONS RELATED TO HEALTH CARE H.R. 4173: DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT (FKA: RESTORING AMERICAN FINANCIAL STABILITY ACT OF 2010); ALL PROVISIONS OF THE BILL H.R. 4596: HOLOCAUST INSURANCE ACCOUNTABILITY ACT OF 2010; PROVISIONS RELATED TO INSURANCE REGULATORY REFORM H.CON.RES. 89: SUPPORTING THE GOALS AND OBJECTIVES OF THE PRAGUE CONFERENCE ON HOLOCAUST ERA ASSETS; PROVISIONS RELATED TO HOLOCAUST CLAIMS PERTAINING TO POLICIES ISSUED BY PARENT COMPANY, AEGON NV S. 139: DATA BREACH NOTIFICATION ACT; PROVISIONS RELATED TO DATA SECURITY BREACH S. 179: HEALTH INFORMATION TECHNOLOGY ACT OF 2009; PROVISIONS RELATED TO PRIVACY S. 272: DERIVATIVES TRADING INTEGRITY ACT OF 2009; PROVISIONS RELATED TO DERIVATIVES S.344: HEDGE FUND TRANSPARENCY ACT; PROVISIONS RELATED TO REGULATORY REFORM S. 444: NATIONAL HEALTH INFORMATION TECHNOLOGY AND PRIVACY ADVANCEMENT ACT OF 2009; PROVISIONS RELATED TO PRIVACY S. 1490: PERSONAL DATA PRIVACY AND SECURITY ACT OF 2009; PROVISIONS RELATED TO PRIVACY S. 3098: PROTECT OUR RECOVERY THROUGH OVERSIGHT OF PROPRIETARY (PROP) TRADING ACT OF 2010; PROVISIONS RELATED TO REGULATORY REFORM S. 3217: RESTORING AMERICAN FINANCIAL STABILITY ACT OF 2010; PROVISIONS RELATED TO REGULATORY REFORM

Client expense: $380,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 200/S. 61: HELPING FAMILIES SAVE THEIR HOMES IN BANKRUPTCY ACT OF 2009; PROVISIONS RELATED TO BANKRUPTCY MORTGAGE MODIFICATION H.R. 225: EMERGENCY HOMEOWNERSHIP AND EQUALITY PROTECTION ACT; PROVISIONS RELATED TO BANKRUPTCY MORTGAGE MODIFICATION H.R. 703: TO PROMOTE BANK LIQUIDITY AND LENDING THROUGH DEPOSIT INSURANCE, THE HOPE FOR HOMEOWNERS PROGRAM AND OTHER ENHANCEMENTS; PROVISIONS RELATED TO BANKRUPTCY MORTGAGE MODIFICATION H.R. 788: TO PROVIDE SAFE HARBOR FOR MORTGAGE SERVICERS WHO ENGAGE IN SPECIFIED MORTGAGE LOAN MODIFICATIONS, AND FOR OTHER PURPOSES; PROVISIONS RELATED TO BANKRUPTCY MORTGAGE MODIFICATION H.R. 977: DERIVATIVES MARKETS TRANSPARENCY AND ACCOUNTABILITY ACT OF 2009; PROVISIONS RELATED TO REGULATORY REFORM H.R. 1039: PROMOTING HEALTH INFORMATION TECHNOLOGY ACT OF 2009; PROVISIONS RELATED TO PRIVACY H.R. 1705/S. 566: FINANCIAL PRODUCT SAFETY COMMISSION ACT OF 2009; PROVISIONS RELATED TO REGULATORY REFORM H.R. 2221: DATA ACCOUNTABILITY AND TRUST ACT; PROVISIONS RELATED TO DATA SECURITY BREACH H.R. 2571/S. 1363: NONADMITTED AND REINSURANCE REFORM ACT OF 2009; PROVISIONS RELATED TO STREAMLINING REINSURANCE REGULATION H.R. 2733/S. 1389: FIXED INDEXED ANNUITIES AND INSURANCE PRODUCTS CLASSIFICATION ACT OF 2009; PROVISIONS RELATED TO ANNUITIES REGULATION (SEC RULE 151A) H.R. 3399: TO AMEND THE INTERNAL REVENUE CODE OF 1986 TO PERMIT THE CONSOLIDATION OF LIFE INSURANCE COMPANIES WITH OTHER COMPANIES; PROVISIONS RELATED TO TAXATION OF LIFE INSURANCE COMPANIES H.R. 3506: ELIMINATE PRIVACY NOTICE CONFUSION ACT; ISSUES RELATED TO DATA SECURITY BREACH H.R. 3596/S. 1681: HEALTH INSURANCE INDUSTRY ANTITRUST ENFORCEMENT ACT OF 2009; PROVISIONS RELATED TO INSURANCE ANTI-TRUST REGULATIONS (MCCARRON-FERGUSON) AND PRIVACY H.R. 3669: EMPLOYER-OWNED LIFE INSURANCE LIMITATION ACT; PROVISIONS RELATED TO COMPANY OWNED LIFE INSURANCE H.R. 3763: TO AMEND THE FAIR CREDIT REPORTING ACT TO PROVIDE FOR AN EXCLUSION FROM RED FLAG GUIDELINES FOR CERTAIN BUSINESSES; PROVISIONS RELATED TO HEALTH CARE H.R. 4173: DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT (FKA: RESTORING AMERICAN FINANCIAL STABILITY ACT OF 2010); ALL PROVISIONS OF THE BILL H.R. 4596: HOLOCAUST INSURANCE ACCOUNTABILITY ACT OF 2010; PROVISIONS RELATED TO INSURANCE REGULATORY REFORM H.R. 5993: SECURING AMERICA'S VETERANS INSURANCE NEEDS AND GOALS (SAVINGS) ACT OF 2010; ALL PROVISIONS OF THE BILL H.CON.RES. 89: SUPPORTING THE GOALS AND OBJECTIVES OF THE PRAGUE CONFERENCE ON HOLOCAUST ERA ASSETS; PROVISIONS RELATED TO HOLOCAUST CLAIMS PERTAINING TO POLICIES ISSUED BY PARENT COMPANY, AEGON NV S. 139: DATA BREACH NOTIFICATION ACT; PROVISIONS RELATED TO DATA SECURITY BREACH S. 179: HEALTH INFORMATION TECHNOLOGY ACT OF 2009; PROVISIONS RELATED TO PRIVACY S. 272: DERIVATIVES TRADING INTEGRITY ACT OF 2009; PROVISIONS RELATED TO DERIVATIVES S.344: HEDGE FUND TRANSPARENCY ACT; PROVISIONS RELATED TO REGULATORY REFORM S. 444: NATIONAL HEALTH INFORMATION TECHNOLOGY AND PRIVACY ADVANCEMENT ACT OF 2009; PROVISIONS RELATED TO PRIVACY S. 1490: PERSONAL DATA PRIVACY AND SECURITY ACT OF 2009; PROVISIONS RELATED TO PRIVACY S. 3098: PROTECT OUR RECOVERY THROUGH OVERSIGHT OF PROPRIETARY (PROP) TRADING ACT OF 2010; PROVISIONS RELATED TO REGULATORY REFORM S. 3217: RESTORING AMERICAN FINANCIAL STABILITY ACT OF 2010; PROVISIONS RELATED TO REGULATORY REFORM

Client expense: $380,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 200/S. 61: HELPING FAMILIES SAVE THEIR HOMES IN BANKRUPTCY ACT OF 2009; PROVISIONS RELATED TO BANKRUPTCY MORTGAGE MODIFICATION H.R. 225: EMERGENCY HOMEOWNERSHIP AND EQUALITY PROTECTION ACT; PROVISIONS RELATED TO BANKRUPTCY MORTGAGE MODIFICATION H.R. 703: TO PROMOTE BANK LIQUIDITY AND LENDING THROUGH DEPOSIT INSURANCE, THE HOPE FOR HOMEOWNERS PROGRAM AND OTHER ENHANCEMENTS; PROVISIONS RELATED TO BANKRUPTCY MORTGAGE MODIFICATION H.R. 788: TO PROVIDE SAFE HARBOR FOR MORTGAGE SERVICERS WHO ENGAGE IN SPECIFIED MORTGAGE LOAN MODIFICATIONS, AND FOR OTHER PURPOSES; PROVISIONS RELATED TO BANKRUPTCY MORTGAGE MODIFICATION H.R. 977: DERIVATIVES MARKETS TRANSPARENCY AND ACCOUNTABILITY ACT OF 2009; PROVISIONS RELATED TO REGULATORY REFORM H.R. 1039: PROMOTING HEALTH INFORMATION TECHNOLOGY ACT OF 2009; PROVISIONS RELATED TO PRIVACY H.R. 1705/S. 566: FINANCIAL PRODUCT SAFETY COMMISSION ACT OF 2009; PROVISIONS RELATED TO REGULATORY REFORM H.R. 2221: DATA ACCOUNTABILITY AND TRUST ACT; PROVISIONS RELATED TO DATA SECURITY BREACH H.R. 2571/S. 1363: NONADMITTED AND REINSURANCE REFORM ACT OF 2009; PROVISIONS RELATED TO STREAMLINING REINSURANCE REGULATION H.R. 2733/S. 1389: FIXED INDEXED ANNUITIES AND INSURANCE PRODUCTS CLASSIFICATION ACT OF 2009; PROVISIONS RELATED TO ANNUITIES REGULATION (SEC RULE 151A) H.R. 3399: TO AMEND THE INTERNAL REVENUE CODE OF 1986 TO PERMIT THE CONSOLIDATION OF LIFE INSURANCE COMPANIES WITH OTHER COMPANIES; PROVISIONS RELATED TO TAXATION OF LIFE INSURANCE COMPANIES H.R. 3506: ELIMINATE PRIVACY NOTICE CONFUSION ACT; ISSUES RELATED TO DATA SECURITY BREACH H.R. 3596/S. 1681: HEALTH INSURANCE INDUSTRY ANTITRUST ENFORCEMENT ACT OF 2009; PROVISIONS RELATED TO INSURANCE ANTI-TRUST REGULATIONS (MCCARRON-FERGUSON) AND PRIVACY H.R. 3669: EMPLOYER-OWNED LIFE INSURANCE LIMITATION ACT; PROVISIONS RELATED TO COMPANY OWNED LIFE INSURANCE H.R. 3763: TO AMEND THE FAIR CREDIT REPORTING ACT TO PROVIDE FOR AN EXCLUSION FROM RED FLAG GUIDELINES FOR CERTAIN BUSINESSES; PROVISIONS RELATED TO HEALTH CARE H.R. 4173: DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT (FKA: RESTORING AMERICAN FINANCIAL STABILITY ACT OF 2010); ALL PROVISIONS OF THE BILL H.R. 4596: HOLOCAUST INSURANCE ACCOUNTABILITY ACT OF 2010; PROVISIONS RELATED TO INSURANCE REGULATORY REFORM H.CON.RES. 89: SUPPORTING THE GOALS AND OBJECTIVES OF THE PRAGUE CONFERENCE ON HOLOCAUST ERA ASSETS; PROVISIONS RELATED TO HOLOCAUST CLAIMS PERTAINING TO POLICIES ISSUED BY PARENT COMPANY, AEGON NV S. 139: DATA BREACH NOTIFICATION ACT; PROVISIONS RELATED TO DATA SECURITY BREACH S. 179: HEALTH INFORMATION TECHNOLOGY ACT OF 2009; PROVISIONS RELATED TO PRIVACY S. 272: DERIVATIVES TRADING INTEGRITY ACT OF 2009; PROVISIONS RELATED TO DERIVATIVES S.344: HEDGE FUND TRANSPARENCY ACT; PROVISIONS RELATED TO REGULATORY REFORM S. 444: NATIONAL HEALTH INFORMATION TECHNOLOGY AND PRIVACY ADVANCEMENT ACT OF 2009; PROVISIONS RELATED TO PRIVACY S. 1490: PERSONAL DATA PRIVACY AND SECURITY ACT OF 2009; PROVISIONS RELATED TO PRIVACY S. 3098: PROTECT OUR RECOVERY THROUGH OVERSIGHT OF PROPRIETARY (PROP) TRADING ACT OF 2010; PROVISIONS RELATED TO REGULATORY REFORM S. 3217: RESTORING AMERICAN FINANCIAL STABILITY ACT OF 2010; PROVISIONS RELATED TO REGULATORY REFORM

Client expense: $380,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Eliminate predatory lending; ensure equal access to financial services to all Americans. Eliminate disparities in credit reporting. Ease home mortgage foreclosure crisis. Eliminate pay day lending (concerns about H.R. 1214). Support capping all interest rates at 36% APR (support H.R. 1608 / S. 500). Support a foreclosure moratorium (H.R. 527 / S. 241). Oppose "vulture funds". Support debt relief for poor nations, a.k.a. the Jubilee Act. Reform the mortgage servicers industry so that more loans are modified and fewer homes are foreclosed upon. Try to ensure that homeowner facing foreclosure are not forgotten in the Wall Street bailout. Try to stop abusive credit card practices (support H.R. 627 / S. 414). Support H.R. 200 / H.R. 1106 / S. 61, which allows bankruptcy judges to require loan modifications on primary residence mortgages. Support reauthorization, modernization and expansion of the Community Reinvestment Act (CRA), support H.R. 1479. Support efforts to eliminate predatory loans; support 1728. Oppose payday loans; working to improve H.R. 1214. Support 36% interest rate cap; support H.R. 1608 / S. 500. Support legislation to toughen financial fraud investigations and sentences; support S. 386. Support legislation to make it easier for homeowners to modify their mortgages through federal programs; support S. 896. Support the creation of a Consumer Financial Protection Agency (CFPA) with strong civil rights mandates. Support financial literacy programs. Support an increase the demographic diversity of the financial services industry. Support H.R. 4173. Oppose exempting auto dealers from newly created CFPA. Oppose exempting college loans from CFPA. Oppose allowing CFPA, and all federal lending laws, to preempt stronger state laws. Support regulations to shut down yield spread premiums to mortgage brokers. Support financial counseling. oppose exempting Rent-to-Own operations from CFPA oversight. Support for the Benefit Card Fairness Act, H.R. 4552. Support creation of a strong CFPA, without exempting car dealers or student lenders, rent-to-own stores or payday lenders from its purview. Oppose federal preemption of state consumer financial protection laws. Ensure that rogue auto dealers are not exempted from the authority of the newly created Consumer Financial Protection Bureau, while at the same time ensuring that small, minority owned auto dealers who are fair to consumers are not run out of business. Support the creation of a strong, independent Consumer Financial Protection Bureau in H.R. 4173. Support S. 3245, the Payday Limitation Act of 2010. This legislation takes an aggressive approach to eliminating the worst of the payday debt trap problems. Support final passage of the conference report for H.R. 4173, the Restoring American Financial Stability Act. Support S. 3217, the Restoring American Financial Stability Act of 2010. Support H.R. 3149, the Equal Employment for All Act, which would outlaw the use of credit scores by potential employers when making hiring decisions. Support Creation of the Offices of Minority and Women Inclusion Under the Restoring American Financial Stability Act of 2010. Support FDIC guidence issued on limiting abusive overdract practices. Support Elizabeth Warren to be the first head of the Consumer Financial Protection Bureau. Support allowing consumers to close a bank account without incurring onerous fees. Support consumer-friendly, civil rights based changes to GSEs (Fannie Mae and Freddie Mac)

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

Government targets: Agriculture, Dept of (USDA), Centers For Disease Control & Prevention (CDC), Commerce, Dept of (DOC), Defense, Dept of (DOD), Education, Dept of, Environmental Protection Agency (EPA), Equal Employment Opportunity Commission (EEOC), Federal Bureau of Investigation (FBI), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Interior, Dept of (DOI), Justice, Dept of (DOJ), Labor, Dept of (DOL), Office of Personnel Management (OPM), SENATE, Small Business Administration (SBA), Social Security Administration (SSA), State, Dept of (DOS), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Commission on Civil Rights, U.S. Trade Representative (USTR), Veterans Affairs, Dept of (VA), Voice of America, White House Office

Support H.R. 200 / H.R. 1106 / S. 61 / amendment offered by Senator Durbin to S. 896, which allows bankruptcy judges to require loan modifications on primary residence mortgages. Support H.R. 3421, the The Medical Debt Relief Act of 2009

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

Government targets: Agriculture, Dept of (USDA), Centers For Disease Control & Prevention (CDC), Commerce, Dept of (DOC), Defense, Dept of (DOD), Education, Dept of, Environmental Protection Agency (EPA), Equal Employment Opportunity Commission (EEOC), Federal Bureau of Investigation (FBI), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Interior, Dept of (DOI), Justice, Dept of (DOJ), Labor, Dept of (DOL), Office of Personnel Management (OPM), SENATE, Small Business Administration (SBA), Social Security Administration (SSA), State, Dept of (DOS), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Commission on Civil Rights, U.S. Trade Representative (USTR), Veterans Affairs, Dept of (VA), Voice of America, White House Office

Eliminate predatory lending; ensure equal access to financial services to all Americans. Eliminate disparities in credit reporting. Ease home mortgage foreclosure crisis. Eliminate pay day lending (concerns about H.R. 1214). Support capping all interest rates at 36% APR (support H.R. 1608 / S. 500). Support a foreclosure moratorium (H.R. 527 / S. 241). Reform the mortgage servicers industry so that more loans are modified and fewer homes are foreclosed upon. Try to ensure that homeowners facing foreclosure are not forgotten in the Wall Street bailout. Try to stop abusive credit card practices (support H.R. 627 / S. 414). Support H.R. 200 / H.R. 1106 / S. 61, which allows bankruptcy judges to require loan modifications on primary residence mortgages. Oppose payday lending, working to help improve H.R. 1214. Support efforts to eliminate predatory lending. Support H.R. 1728. Support the establishment of a Consumer Financial Protection Agency (working to improve H.R. 3126). Support reauthorization, modernization and expansion of the Community Reinvestment Act (CRA), support H.R. 1479. Support 36% interest rate cap; support H.R. 1608 / S. 500. Work to eliminate the debt trap caused by payday lenders. Support financial literacy programs. Support H.R. 4173. Oppose exempting auto dealers from newly created CFPA. Oppose exempting college loans from CFPA. Oppose allowing CFPA, and all federal lending laws, to preempt stronger state laws. Support regulations to shut down yield spread premiums to mortgage brokers. Oppose the proposed Adverse Market Delivery Charge (AMDC) as well as the series of Loan Level Price Adjustments (LLPAs) under consideration by Fannie Mae and Freddie Mac. Ensure that rogue auto dealers are not exempted from the authority of the newly created Consumer Financial Protection Bureau, while at the same time ensuring that small, minority owned auto dealers who are fair to consumers are not run out of business. Support the creation of a strong, independent Consumer Financial Protection Bureau in H.R. 4173. Support S. 3245, the Payday Limitation Act of 2010. This legislation takes an aggressive approach to eliminating the worst of the payday debt trap problems. Support final passage of the conference report for H.R. 4173, the Restoring American financial Stability Act. Support S. 3217, the Restoring American Financial Stability Act of 2010. Support H.R. 3421, the The Medical Debt Relief Act of 2009. Support the creation of the Offices of Minority and Women Inclusion Under the Restoring American Financial Stability Act of 2010. Support a ban on the use of credit reports by potential employers. Support H.R. 3149. Support FDIC guidence issued on limiting abusive overdract practices. Support Elizabeth Warren to be the first head of the Consumer Financial Protection Bureau. Support allowing consumers to close a bank account without incurring onerous fees. Support pro-consumer changes to the GSEs (Fannie Mae and Freddie Mac). Support the President's veto of H. R. 3808, the Interstate Recognition of Notarizations Act of 2010 due to concerns that it would make it easier for large, interstate financial services companies to erroneously foreclose on homes.

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

Government targets: Agriculture, Dept of (USDA), Centers For Disease Control & Prevention (CDC), Commerce, Dept of (DOC), Defense, Dept of (DOD), Education, Dept of, Environmental Protection Agency (EPA), Equal Employment Opportunity Commission (EEOC), Federal Bureau of Investigation (FBI), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Interior, Dept of (DOI), Justice, Dept of (DOJ), Labor, Dept of (DOL), Office of Personnel Management (OPM), SENATE, Small Business Administration (SBA), Social Security Administration (SSA), State, Dept of (DOS), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Commission on Civil Rights, U.S. Trade Representative (USTR), Veterans Affairs, Dept of (VA), Voice of America, White House Office

Allowing Bankruptcy Judges to Cramdown Mortgage Principal for Troubled Borrowers HR 200- Helping Families Save Their Homes in Bankruptcy Act of 2009 S 61 - Helping Families Save Their Homes in Bankruptcy Act of 2009

Client expense: $4,760,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Army, Dept of (Corps of Engineers), Council on Environmental Quality (CEQ), Energy, Dept of, Environmental Protection Agency (EPA), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Interior, Dept of (DOI), Internal Revenue Service (IRS), Labor, Dept of (DOL), Office of Management & Budget (OMB), SENATE, Small Business Administration (SBA), Transportation, Dept of (DOT), Treasury, Dept of, Veterans Affairs, Dept of (VA), Vice President of the U.S., White House Office

HR 200/S 61 To amend title 11 of the United States Code with respect to modification of certain mortgages on principal residences, and for other purposes. HR 1106/S. 895 To prevent mortgage foreclosures and enhance mortgage credit availability.

Client expense: $425,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE, Treasury, Dept of, U.S. Trade Representative (USTR)

1) Restructure Mortgages in Bankruptcy and add foreclosure protections: Provided comments to hill, signed letters, lobbied on all aspects of legislation and proposed regulations pertaining to reform. Significant provisions added as Title 14 of Wall Street Reform and Consumer Protection Act. Supported efforts to enact strongest possible provisions to allow bankruptcy judges to restructure first mortgages. Bills included S 61, HR 200 and HR 1106. 2) Support efforts to repeal/amend 2005 bankruptcy law (PL 109-8) restrictions on consumer rights. Previous testimony in House (House Judiciary) on credit cards and bankruptcy.

Client expense: $88,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Commodity Futures Trading Commission (CFTC), Consumer Product Safety Commission (CPSC), Education, Dept of, Environmental Protection Agency (EPA), Executive Office of the President (EOP), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Justice, Dept of (DOJ), Natl Credit Union Administration (NCUA), Natl Economic Council (NEC), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), State, Dept of (DOS), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Trade Representative (USTR), White House Office

H.R.200/ S. 61 Helping Families Save Their Homes Bankruptcy Act (entire bill) H.R. 1106/ S. 895. Helping Families Save Their Homes Act, Title I, Subtitle A--Modification of Residential Mortgages

Client expense: $310,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Transportation, Dept of (DOT), Treasury, Dept of

Traditional banking, checking and savings accounts, lending products such as mortgages, auto loans, home equity lines of credit including the following legislation: H.R. 200 - Helping Families Save Their Homes in Bankruptcy Act of 2009; H.R. 225 - Emergency Homeownership and Equity Protection Act; H.R. 230 - Housing Opportunity and Mortgage Equity Act of 2009; H.R. 384 - TARP Reform and Accountability Act of 2009; H.R. 788 - Bill To provide a safe harbor for mortgage servicers who engage in specified mortgage loan modifications, and for other purposes; H.R. 1106 - Helping Families Save Their Homes Act of 2009; S.3 - Homeowner Protection and Wall Street Accountability Act of 2009; H.R.1456 - Consumer Overdraft Protection Fair Practices Act; S.3 - Homeowner Protection and Wall Street Accountability Act of 2009; S.61 - Helping Families Save Their Homes in Bankruptcy Act of 2009; and S.73 - Helping Families Save Their Homes in Bankruptcy Act of 2009; and H.R.1728 - Mortgage Reform and Anti-Predatory Lending Act.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HR 200/S 61 - "Helping Families Save their Homes in Bankruptcy Act of 2009" - Amends federal bankruptcy law governing a Chapter 13 debtor HR 225 - "Emergency Homeownership and Equity Protection Act of 2009" - Amends federal bankruptcy law governing a Chapter 13 debtor

Client expense: $860,000 · Firm income: Not reported

Government targets: Federal Emergency Management Agency (FEMA), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Labor, Dept of (DOL), SENATE, Transportation, Dept of (DOT), Treasury, Dept of, U.S. Copyright Office

HR 1106 Helping Families Save Their Homes Act of 2009 HR 200 S 61 Helping Families Save Their Home Bankruptcy Act

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S.61 - Helping Families Save Their Homes Act of 2010 - All provisions S.386 - Fraud Enforcement & Recovery Act of 2009 - All provisions Implementation of Secure and Fair Enforcement for Mortgage Licensing Act of 2008 Talked to Senate staff re: GSE reform (no bill yet)

Client expense: $1,340,000 · Firm income: Not reported

Government targets: Commodity Futures Trading Commission (CFTC), Council of Economic Advisers (CEA), Executive Office of the President (EOP), Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Natl Economic Council (NEC), Office of Thrift Supervision (OTS), SENATE, Treasury, Dept of, White House Office

H.R. 200 (Helping Families Save Their Homes in Bankruptcy Act); H.R. 225 (Emergency Homeownership and Equity Protection Act); H.R. 230 (Housing Opportunity and Mortgage Equity Act of 2009) (foreclosure avoidance and loan modifications); H.R. 384 (TARP Reform and Accountability Act); H.R. 703 (Legislation to promote bank liquidity and lending through deposit insurance, the HOPE for Homeowners Program, and other enhancements); H.R. 786 (To make permanent the temporary increase in deposit insurance coverage, and for other purposes); H.R. 787 (to make improvements in the Hope for Homeowners Program) (foreclosure avoidance and loan modifications); H.R. 788 (To provide a safe harbor for mortgage servicers who engage in specified mortgage loan modifications, and for other purposes); H.R. 1020 (Arbitration Fairness Act of 2009); H.R. 1106 (Helping Families Save Their Homes Act) (foreclosure avoidance and loan modifications); H.R. 1728 (To amend the Truth in Lending Act to reform consumer mortgage practices and provide accountability for such practices, to provide certain minimum standards for consumer mortgage loans, and for other purposes) (mortgage reform); H.R. 1731 (Credit Risk Retention Act); H.R. 1758 (Mortgage Reform and Anti-predatory Lending Act of 2009); H.R. 3269 (Corporate and Financial Institution Compensation Fairness Act of 2009); H.R. 3451 (To require mortgagees for mortgages in default to engage in reasonable loss mitigation activities); H.R. 3606 (Consumer Financial Protection Agency Act); H.R. 3817 (Investor Protection Act)(Arbitration, Broker-Dealer Standard of Care, SRO Rulemaking); H.R. 3996 (The Financial Stability Improvement Act of 2009); H.R. 4173 (Dodd-Frank Wall Street Reform and Consumer Protection Act)(Fiduciary Duty, Arbitration Clauses, Custody of Client Assets, Securities Litigation); S. 61 (Helping Families Save Their Homes in Bankruptcy Act); S. 376 (Real Estate Mortgage Investment Conduit Improvement Act of 2009); S. 896 (Helping Families Save Their Homes Act); S. 931 (Arbitration Fairness Act of 2009); S. 1073 (Rating Accountability and Transparency Enhancement Act of 2009); S. 1540 (To provide for enhanced authority of the FDIC to act as receiver for certain affiliates of depository institutions); S. 1731 (To require certain mortgages to make loan modifications and establish grant programs for state and local government mediation programs); S. 2886 (Bank Integrity Retention Act); S. 3217 (Investor Protection Act)(Arbitration, Broker-Dealer Standard of Care, SRO Rulemaking); Housing Affordability and Stability Plan; Student loans (special allowance payment rates); Credit Rating Agency Reform; Government Sponsored Enterprise Reform (GSE).

Client expense: $1,270,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Natl Economic Council (NEC), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of, U.S. Trade Representative (USTR)

H.R. 200/S. 61: HELPING FAMILIES SAVE THEIR HOMES IN BANKRUPTCY ACT OF 2009; PROVISIONS RELATED TO BANKRUPTCY MORTGAGE MODIFICATION H.R. 225: EMERGENCY HOMEOWNERSHIP AND EQUALITY PROTECTION ACT; PROVISIONS RELATED TO BANKRUPTCY MORTGAGE MODIFICATION H.R. 703: TO PROMOTE BANK LIQUIDITY AND LENDING THROUGH DEPOSIT INSURANCE, THE HOPE FOR HOMEOWNERS PROGRAM AND OTHER ENHANCEMENTS; PROVISIONS RELATED TO BANKRUPTCY MORTGAGE MODIFICATION H.R. 788: TO PROVIDE SAFE HARBOR FOR MORTGAGE SERVICERS WHO ENGAGE IN SPECIFIED MORTGAGE LOAN MODIFICATIONS, AND FOR OTHER PURPOSES; PROVISIONS RELATED TO BANKRUPTCY MORTGAGE MODIFICATION H.R. 977: DERIVATIVES MARKETS TRANSPARENCY AND ACCOUNTABILITY ACT OF 2009; PROVISIONS RELATED TO REGULATORY REFORM H.R. 1039: PROMOTING HEALTH INFORMATION TECHNOLOGY ACT OF 2009; PROVISIONS RELATED TO PRIVACY H.R. 1705/S. 566: FINANCIAL PRODUCT SAFETY COMMISSION ACT OF 2009; PROVISIONS RELATED TO REGULATORY REFORM H.R. 2221: DATA ACCOUNTABILITY AND TRUST ACT; PROVISIONS RELATED TO DATA SECURITY BREACH H.R. 2571/S. 1363: NONADMITTED AND REINSURANCE REFORM ACT OF 2009; PROVISIONS RELATED TO STREAMLINING REINSURANCE REGULATION H.R. 2733/S. 1389: FIXED INDEXED ANNUITIES AND INSURANCE PRODUCTS CLASSIFICATION ACT OF 2009; PROVISIONS RELATED TO ANNUITIES REGULATION (SEC RULE 151A) H.R. 3399: TO AMEND THE INTERNAL REVENUE CODE OF 1986 TO PERMIT THE CONSOLIDATION OF LIFE INSURANCE COMPANIES WITH OTHER COMPANIES; PROVISIONS RELATED TO TAXATION OF LIFE INSURANCE COMPANIES H.R. 3506: ELIMINATE PRIVACY NOTICE CONFUSION ACT; ISSUES RELATED TO DATA SECURITY BREACH H.R. 3596/S. 1681: HEALTH INSURANCE INDUSTRY ANTITRUST ENFORCEMENT ACT OF 2009; PROVISIONS RELATED TO INSURANCE ANTI-TRUST REGULATIONS (MCCARRON-FERGUSON) AND PRIVACY H.R. 3669: EMPLOYER-OWNED LIFE INSURANCE LIMITATION ACT; PROVISIONS RELATED TO COMPANY OWNED LIFE INSURANCE H.R. 3763: TO AMEND THE FAIR CREDIT REPORTING ACT TO PROVIDE FOR AN EXCLUSION FROM RED FLAG GUIDELINES FOR CERTAIN BUSINESSES; PROVISIONS RELATED TO HEALTH CARE H.R. 4173: DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT (FKA: RESTORING AMERICAN FINANCIAL STABILITY ACT OF 2010); ALL PROVISIONS OF THE BILL H.R. 4596: HOLOCAUST INSURANCE ACCOUNTABILITY ACT OF 2010; PROVISIONS RELATED TO INSURANCE REGULATORY REFORM H.CON.RES. 89: SUPPORTING THE GOALS AND OBJECTIVES OF THE PRAGUE CONFERENCE ON HOLOCAUST ERA ASSETS; PROVISIONS RELATED TO HOLOCAUST CLAIMS PERTAINING TO POLICIES ISSUED BY PARENT COMPANY, AEGON NV S. 139: DATA BREACH NOTIFICATION ACT; PROVISIONS RELATED TO DATA SECURITY BREACH S. 179: HEALTH INFORMATION TECHNOLOGY ACT OF 2009; PROVISIONS RELATED TO PRIVACY S. 272: DERIVATIVES TRADING INTEGRITY ACT OF 2009; PROVISIONS RELATED TO DERIVATIVES S.344: HEDGE FUND TRANSPARENCY ACT; PROVISIONS RELATED TO REGULATORY REFORM S. 444: NATIONAL HEALTH INFORMATION TECHNOLOGY AND PRIVACY ADVANCEMENT ACT OF 2009; PROVISIONS RELATED TO PRIVACY S. 1490: PERSONAL DATA PRIVACY AND SECURITY ACT OF 2009; PROVISIONS RELATED TO PRIVACY S. 3098: PROTECT OUR RECOVERY THROUGH OVERSIGHT OF PROPRIETARY (PROP) TRADING ACT OF 2010; PROVISIONS RELATED TO REGULATORY REFORM S. 3217: RESTORING AMERICAN FINANCIAL STABILITY ACT OF 2010; PROVISIONS RELATED TO REGULATORY REFORM

Client expense: $590,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 200/S. 61: HELPING FAMILIES SAVE THEIR HOMES IN BANKRUPTCY ACT OF 2009; PROVISIONS RELATED TO BANKRUPTCY MORTGAGE MODIFICATION H.R. 225: EMERGENCY HOMEOWNERSHIP AND EQUALITY PROTECTION ACT; PROVISIONS RELATED TO BANKRUPTCY MORTGAGE MODIFICATION H.R. 703: TO PROMOTE BANK LIQUIDITY AND LENDING THROUGH DEPOSIT INSURANCE, THE HOPE FOR HOMEOWNERS PROGRAM AND OTHER ENHANCEMENTS; PROVISIONS RELATED TO BANKRUPTCY MORTGAGE MODIFICATION H.R. 788: TO PROVIDE SAFE HARBOR FOR MORTGAGE SERVICERS WHO ENGAGE IN SPECIFIED MORTGAGE LOAN MODIFICATIONS, AND FOR OTHER PURPOSES; PROVISIONS RELATED TO BANKRUPTCY MORTGAGE MODIFICATION H.R. 977: DERIVATIVES MARKETS TRANSPARENCY AND ACCOUNTABILITY ACT OF 2009; PROVISIONS RELATED TO REGULATORY REFORM H.R. 1039: PROMOTING HEALTH INFORMATION TECHNOLOGY ACT OF 2009; PROVISIONS RELATED TO PRIVACY H.R. 1705/S. 566: FINANCIAL PRODUCT SAFETY COMMISSION ACT OF 2009; PROVISIONS RELATED TO REGULATORY REFORM H.R. 2221: DATA ACCOUNTABILITY AND TRUST ACT; PROVISIONS RELATED TO DATA SECURITY BREACH H.R. 2571/S. 1363: NONADMITTED AND REINSURANCE REFORM ACT OF 2009; PROVISIONS RELATED TO STREAMLINING REINSURANCE REGULATION H.R. 2733/S. 1389: FIXED INDEXED ANNUITIES AND INSURANCE PRODUCTS CLASSIFICATION ACT OF 2009; PROVISIONS RELATED TO ANNUITIES REGULATION (SEC RULE 151A) H.R. 3399: TO AMEND THE INTERNAL REVENUE CODE OF 1986 TO PERMIT THE CONSOLIDATION OF LIFE INSURANCE COMPANIES WITH OTHER COMPANIES; PROVISIONS RELATED TO TAXATION OF LIFE INSURANCE COMPANIES H.R. 3506: ELIMINATE PRIVACY NOTICE CONFUSION ACT; ISSUES RELATED TO DATA SECURITY BREACH H.R. 3596/S. 1681: HEALTH INSURANCE INDUSTRY ANTITRUST ENFORCEMENT ACT OF 2009; PROVISIONS RELATED TO INSURANCE ANTI-TRUST REGULATIONS (MCCARRON-FERGUSON) AND PRIVACY H.R. 3669: EMPLOYER-OWNED LIFE INSURANCE LIMITATION ACT; PROVISIONS RELATED TO COMPANY OWNED LIFE INSURANCE H.R. 3763: TO AMEND THE FAIR CREDIT REPORTING ACT TO PROVIDE FOR AN EXCLUSION FROM RED FLAG GUIDELINES FOR CERTAIN BUSINESSES; PROVISIONS RELATED TO HEALTH CARE H.R. 4173: DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT (FKA: RESTORING AMERICAN FINANCIAL STABILITY ACT OF 2010); ALL PROVISIONS OF THE BILL H.R. 4596: HOLOCAUST INSURANCE ACCOUNTABILITY ACT OF 2010; PROVISIONS RELATED TO INSURANCE REGULATORY REFORM H.CON.RES. 89: SUPPORTING THE GOALS AND OBJECTIVES OF THE PRAGUE CONFERENCE ON HOLOCAUST ERA ASSETS; PROVISIONS RELATED TO HOLOCAUST CLAIMS PERTAINING TO POLICIES ISSUED BY PARENT COMPANY, AEGON NV S. 139: DATA BREACH NOTIFICATION ACT; PROVISIONS RELATED TO DATA SECURITY BREACH S. 179: HEALTH INFORMATION TECHNOLOGY ACT OF 2009; PROVISIONS RELATED TO PRIVACY S. 272: DERIVATIVES TRADING INTEGRITY ACT OF 2009; PROVISIONS RELATED TO DERIVATIVES S.344: HEDGE FUND TRANSPARENCY ACT; PROVISIONS RELATED TO REGULATORY REFORM S. 444: NATIONAL HEALTH INFORMATION TECHNOLOGY AND PRIVACY ADVANCEMENT ACT OF 2009; PROVISIONS RELATED TO PRIVACY S. 1490: PERSONAL DATA PRIVACY AND SECURITY ACT OF 2009; PROVISIONS RELATED TO PRIVACY S. 3098: PROTECT OUR RECOVERY THROUGH OVERSIGHT OF PROPRIETARY (PROP) TRADING ACT OF 2010; PROVISIONS RELATED TO REGULATORY REFORM S. 3217: RESTORING AMERICAN FINANCIAL STABILITY ACT OF 2010; PROVISIONS RELATED TO REGULATORY REFORM

Client expense: $590,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 200/S. 61: HELPING FAMILIES SAVE THEIR HOMES IN BANKRUPTCY ACT OF 2009; PROVISIONS RELATED TO BANKRUPTCY MORTGAGE MODIFICATION H.R. 225: EMERGENCY HOMEOWNERSHIP AND EQUALITY PROTECTION ACT; PROVISIONS RELATED TO BANKRUPTCY MORTGAGE MODIFICATION H.R. 703: TO PROMOTE BANK LIQUIDITY AND LENDING THROUGH DEPOSIT INSURANCE, THE HOPE FOR HOMEOWNERS PROGRAM AND OTHER ENHANCEMENTS; PROVISIONS RELATED TO BANKRUPTCY MORTGAGE MODIFICATION H.R. 788: TO PROVIDE SAFE HARBOR FOR MORTGAGE SERVICERS WHO ENGAGE IN SPECIFIED MORTGAGE LOAN MODIFICATIONS, AND FOR OTHER PURPOSES; PROVISIONS RELATED TO BANKRUPTCY MORTGAGE MODIFICATION H.R. 977: DERIVATIVES MARKETS TRANSPARENCY AND ACCOUNTABILITY ACT OF 2009; PROVISIONS RELATED TO REGULATORY REFORM H.R. 1039: PROMOTING HEALTH INFORMATION TECHNOLOGY ACT OF 2009; PROVISIONS RELATED TO PRIVACY H.R. 1705/S. 566: FINANCIAL PRODUCT SAFETY COMMISSION ACT OF 2009; PROVISIONS RELATED TO REGULATORY REFORM H.R. 2221: DATA ACCOUNTABILITY AND TRUST ACT; PROVISIONS RELATED TO DATA SECURITY BREACH H.R. 2571/S. 1363: NONADMITTED AND REINSURANCE REFORM ACT OF 2009; PROVISIONS RELATED TO STREAMLINING REINSURANCE REGULATION H.R. 2733/S. 1389: FIXED INDEXED ANNUITIES AND INSURANCE PRODUCTS CLASSIFICATION ACT OF 2009; PROVISIONS RELATED TO ANNUITIES REGULATION (SEC RULE 151A) H.R. 3399: TO AMEND THE INTERNAL REVENUE CODE OF 1986 TO PERMIT THE CONSOLIDATION OF LIFE INSURANCE COMPANIES WITH OTHER COMPANIES; PROVISIONS RELATED TO TAXATION OF LIFE INSURANCE COMPANIES H.R. 3506: ELIMINATE PRIVACY NOTICE CONFUSION ACT; ISSUES RELATED TO DATA SECURITY BREACH H.R. 3596/S. 1681: HEALTH INSURANCE INDUSTRY ANTITRUST ENFORCEMENT ACT OF 2009; PROVISIONS RELATED TO INSURANCE ANTI-TRUST REGULATIONS (MCCARRON-FERGUSON) AND PRIVACY H.R. 3669: EMPLOYER-OWNED LIFE INSURANCE LIMITATION ACT; PROVISIONS RELATED TO COMPANY OWNED LIFE INSURANCE H.R. 3763: TO AMEND THE FAIR CREDIT REPORTING ACT TO PROVIDE FOR AN EXCLUSION FROM RED FLAG GUIDELINES FOR CERTAIN BUSINESSES; PROVISIONS RELATED TO HEALTH CARE H.R. 4173: DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT (FKA: RESTORING AMERICAN FINANCIAL STABILITY ACT OF 2010); ALL PROVISIONS OF THE BILL H.R. 4596: HOLOCAUST INSURANCE ACCOUNTABILITY ACT OF 2010; PROVISIONS RELATED TO INSURANCE REGULATORY REFORM H.R. 5993: SECURING AMERICA'S VETERANS INSURANCE NEEDS AND GOALS (SAVINGS) ACT OF 2010; ALL PROVISIONS OF THE BILL H.CON.RES. 89: SUPPORTING THE GOALS AND OBJECTIVES OF THE PRAGUE CONFERENCE ON HOLOCAUST ERA ASSETS; PROVISIONS RELATED TO HOLOCAUST CLAIMS PERTAINING TO POLICIES ISSUED BY PARENT COMPANY, AEGON NV S. 139: DATA BREACH NOTIFICATION ACT; PROVISIONS RELATED TO DATA SECURITY BREACH S. 179: HEALTH INFORMATION TECHNOLOGY ACT OF 2009; PROVISIONS RELATED TO PRIVACY S. 272: DERIVATIVES TRADING INTEGRITY ACT OF 2009; PROVISIONS RELATED TO DERIVATIVES S.344: HEDGE FUND TRANSPARENCY ACT; PROVISIONS RELATED TO REGULATORY REFORM S. 444: NATIONAL HEALTH INFORMATION TECHNOLOGY AND PRIVACY ADVANCEMENT ACT OF 2009; PROVISIONS RELATED TO PRIVACY S. 1490: PERSONAL DATA PRIVACY AND SECURITY ACT OF 2009; PROVISIONS RELATED TO PRIVACY S. 3098: PROTECT OUR RECOVERY THROUGH OVERSIGHT OF PROPRIETARY (PROP) TRADING ACT OF 2010; PROVISIONS RELATED TO REGULATORY REFORM S. 3217: RESTORING AMERICAN FINANCIAL STABILITY ACT OF 2010; PROVISIONS RELATED TO REGULATORY REFORM

Client expense: $590,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to traditional banking, checking and savings accounts, lending products such as mortgages, auto loans, home equity lines of credit including the following legislation: H.R. 200 - Helping Families Save Their Homes in Bankruptcy Act of 2009; H.R. 225 - Emergency Homeownership and Equity Protection Act; H.R. 230 - Housing Opportunity and Mortgage Equity Act of 2009; H.R. 384 - TARP Reform and Accountability Act of 2009; H.R. 788 - Bill To provide a safe harbor for mortgage servicers who engage in specified mortgage loan modifications, and for other purposes; H.R. 1106 - Helping Families Save Their Homes Act of 2009; S.3 - Homeowner Protection and Wall Street Accountability Act of 2009; H.R.1456 - Consumer Overdraft Protection Fair Practices Act; S.3 - Homeowner Protection and Wall Street Accountability Act of 2009; S.61 - Helping Families Save Their Homes in Bankruptcy Act of 2009; and S.73 - Helping Families Save Their Homes in Bankruptcy Act of 2009; and H.R.1728 - Mortgage Reform and Anti-Predatory Lending Act.

Client expense: $190,000 · 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 prohibit abusive products and practices); [continued on next page] [continued from previous page] mortgage lending (encouraging Congress to prohibit abusive products and practices); mortgage loan modifications (encouraging Congress to provide incentive for servicers to modify loans to prevent foreclosures) Specific legislation that was the subject of lobbying activity: S61: Helping Families Save their Homes in Bankruptcy Act of 2009 (to allow for judicial loan modification for primary residences through the bankruptcy code) S257: Consumer Credit Fairness Act (to require the bankruptcy court to disallow any claim arising from an abusive high cost consumer credit transaction) S500: Protecting Consumers from Unreasonable Credit Rates Act of 2009 (to create a federal 36% APR usury cap) S585: Taxpayer Abuse Prevention Act (to provide additional protections for recipients of the earned income tax credit) S786: Improving Access to Mainstream Financial Institutions Act of 2009 (to establishing alternative small-dollar lending program to payday loans) S2824: Amendment to Community Development Banking and Financial Institutions Act of 1994 (to establish a small dollar loan-loss guarantee fund that insures fair and affordable small dollar loans) S3217: Restoring American Financial Stability Act of 2010, and related amendments (to create a single agency to have strong rulewriting and enforcement authority in consumer financial transactions) S3245: The Payday Lending Limitation Act of 2010 (to limit abusive aspects of payday loans) S.AMDT.4311 to HR4213: Franken/Snowe Amendment (to create an Office of the Homeowner Advocate) HR200: Helping Families Save Their Homes in Bankruptcy Act of 2009 (to allow for judicial loan modifications for primary residences through the bankruptcy code) HR225: Emergency Homeownership and Equity Protection Act (to allow for judicial loan modification for primary residences through the bankruptcy code) HR1106: Helping Families Save their Homes Act of 2009 (to allow for judicial loan modification for primary residences through the bankruptcy code) HR1214: Payday Loan Reform Act of 2009 (to limit the most abusive aspects of payday loans) HR1456: Consumer Overdraft Protection Fair Practices Act (to create federal protections against abusive and unfair overdraft practices) HR1608: Protecting Consumers from Unreasonable Credit Rates Act of 2009 (to create a federal 36% APR usury cap) HR1637: Universal Default Prohibition Act of 2009 (to eliminate universal increases in interest rate on a credit card when cardholders default on accounts with other creditors) HR1782: Fairness for Homeowners Act of 2009 (to protect consumers against abusive, unfair, or deceptive practices in the mortgage marketplace) HR1846: Consumer Lending Education And Reform Act (opposed the mere disclosure of abusive terms in payday loans and favored substantive consumer protections) HR2309: Consumer Credit and Debt Protection Act (to grant the FTC expedited rule-making authority) HR2563: Payday Lending Reform Act of 2009 (opposed the mere disclosure of abusive terms in payday loans and favored substantive consumer protections) HR3904: Overdraft Protection Act of 2009 (to create federal protections against abusive and unfair overdraft practices) HR4173: The Wall Street Reform and Consumer Protection Act of 2009, and related amendments (to create a single agency to have strong rulewriting and enforcement authority in consumer financial transactions, and to protect consumers against abusive, unfair, or deceptive practices in the mortgage marketplace) HR4229: Borrowers' Right to Inspect Closing Documents Act of 2009 (to require more timely delivery of loan and closing documents to borrower) HR4300: Restoring America's Commitment to Consumers Act of 2009 (favoring a 36% inclusive interest rate cap) HR5689: Predatory Lending Sunset Act (to place a cap on the rate of interest allowed on small-dollar consumer loans) HR5942: FFSCC Act of 2010 (to protect existing state laws limiting abusive payday lending practices) House and Senate GSE Bills, not yet introduced (to ensure there is a secondary housing market to serve low- and moderate-income communities) Freedom of Mobility in Banking Act, not yet introduced (to facilitate consumers' ability to change banking accounts, including protection from unfair related fees) Executive branch agencies and issues: Dept. of Treasury -- Consumer Financial Protection Agency, HAMP, GSE reform, Bank On program Federal Trade Commission -- debt settlement, auto financing Banking agencies (Federal Reserve System, FDIC, OCC, OTS) -- testified at hearing on reforms to Community Reinvestment Act HUD -- GSE reform FDIC -- overdraft loans

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

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of

1) Restructure Mortgages in Bankruptcy and add foreclosure protections: Provided comments to hill, signed letters, lobbied on all aspects of legislation and proposed regulations pertaining to reform. Significant provisions added as Title 14 of HR 4173. Supported efforts to enact strongest possible provisions to allow bankruptcy judges to restructure first mortgages. Bills included S 61, HR 200 and HR 1106. 2) Support efforts to repeal/amend 2005 bankruptcy law (PL 109-8) restrictions on consumer rights. Previous testimony in House (House Judiciary) on credit cards and bankruptcy.

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

Government targets: Consumer Product Safety Commission (CPSC), Environmental Protection Agency (EPA), Executive Office of the President (EOP), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Justice, Dept of (DOJ), Natl Credit Union Administration (NCUA), Natl Economic Council (NEC), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), State, Dept of (DOS), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Trade Representative (USTR), White House Office

Allowing Bankruptcy Judges to Cramdown Mortgage Principal for Troubled Borrowers HR 200- Helping Families Save Their Homes in Bankruptcy Act of 2009 S 61 - Helping Families Save Their Homes in Bankruptcy Act of 2009

Client expense: $4,500,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Army, Dept of (Corps of Engineers), Council on Environmental Quality (CEQ), Energy, Dept of, Environmental Protection Agency (EPA), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Interior, Dept of (DOI), Internal Revenue Service (IRS), Labor, Dept of (DOL), Office of Management & Budget (OMB), SENATE, Small Business Administration (SBA), Transportation, Dept of (DOT), Treasury, Dept of, Veterans Affairs, Dept of (VA), Vice President of the U.S., White House Office

S. 61, Helping Families Save Their Homes in Bankruptcy Act of 2009. All provisions. Provides for cramdowns of mortgage principal balance. Amends title 11 of the United States Code with respect to modification of certain mortgages on principal residences, and for other purposes. H.R. 788, To provide a safe harbor for mortgage servicers who engage in specified mortgage loan modifications (continued) H.R. 788, (continued)and for other purposes. All Provisions. H.R. 225, Emergency Homeownership and Equity Protection Act. All Provisions. Provides for cramdowns of mortgage principal balance. Amends title 11 of the United States Code with respect to modification of certain mortgages on principal residences, and for other purposes. H.R. 230, Housing Opportunity and Mortgage Equity Act of 2009. All Provisions. Directs the Federal National Mortgage Association (Fannie Mae) and the Federal Home Loan Mortgage Corporation (Freddie Mac) (the enterprises) to implement a program to purchase and securitize qualified refinancing mortgages and qualified new mortgages on single-family housing in accordance with policies and procedures established by the Director of the Federal Housing Finance Agency (FHFA). H.R. 1728, Mortgage Reform and Anti-Predatory Lending Act. All Provisions. Amends TILA to reform consumer mortgage practices and provides accountability. H.R. 1731, Credit Risk Retention Act of 2009. All Provisions. Amends the Truth in Lending Act to require any creditor who transfers, sells, or conveys certain residential mortgage loans to third parties to retain an economic interest in a material portion of the credit risk for any such loan, and for other purposes. H.R. 2181, Mortgage Assistance Information and Scam Prevention Act of 2009. All Provisions. To require servicers of mortgages on single family homes to provide notice to mortgagors of possible eligibility for Federal mortgage assistance. H.R. 2666, Mortgage Foreclosure Rescue and Loan Modification Services Fraud Prevention Act of 2009. All Provisions. To require the Federal Trade Commission to conduct a rulemaking proceeding with respect to mortgage foreclosure rescue and loan modification services, and for other purposes. H.R. 3126, Consumer Financial Protection Agency Act of 2009. All Provisions. Establishes a Consumer Financial Protection Agency with the authority and accountability to supervise, examine, and enforce consumer financial protection laws. H.R. 3527, FHA Multifamily Loan Limit Adjustment Act of 2009. All Provisions. Increases the maximum mortgage amount limitations under the FHA mortgage insurance programs for multifamily housing projects with elevators and for extremely high cost areas. H.R. 3996, Financial Stability Improvement Act of 2009. All Provisions. Improves financial stability ; provisions regarding risk retention obligations. Provides for financial regulatory reform, to protect consumers and investors. H.R. 4173, Dodd-Frank Wall Street Reform and Consumer Protection Act. All Provisions. Provides for financial regulatory reform, to protect consumers and investors, to enhance Federal understanding of insurance issues, to regulate the over-the-counter derivatives markets, and for other purposes.(BILL IS NOW LAW) H.R. 4229, Borrowers' Right to Inspect Closing Documents Act of 2009. All Provisions. Amends the Real Estate Settlement Procedures Act of 1974 to ensure that borrowers under federally related mortgage loans have an opportunity to inspect closing documents. H.R.5072, FHA Reform Act of 2010. All Provisions. Improves the financial safety and soundness of the FHA mortgage insurance program. H.R. 5297, Small Business Jobs and Credit Act of 2010. All Provisions. Creates the Small Business Lending Fund Program to direct the Secretary of the Treasury to make capital investments in eligible institutions in order to increase the availability of credit for small businesses, and for other purposes. (BILL IS NOW LAW)

Client expense: $605,000 · Firm income: Not reported

Government targets: Energy, Dept of, Federal Bureau of Investigation (FBI), Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Justice, Dept of (DOJ), SENATE, Treasury, Dept of, White House Office

S. 61, Helping Families Save Their Homes in Bankruptcy Act of 2009. All Provisions. Amends federal bankruptcy law governing a Chapter 13 debtor (adjustment of debts of an individual with regular income). H.R. 200, Helping Families Save Their Homes in Bankruptcy Act of 2009. All Provisions. Amends title 11 of the United States Code with respect to modification of certain mortgages on principal residences, and for other purposes. H.R. 2452, Net Operating Loss (NOL) Carryback Act. To amend the Internal Revenue Code of 1986 a 5-year carryback of operating losses, and for other purposes.

Client expense: $605,000 · Firm income: Not reported

Government targets: Energy, Dept of, Federal Bureau of Investigation (FBI), Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Justice, Dept of (DOJ), SENATE, Treasury, Dept of, White House Office

H.R. 200 - Helping Families Save Their Homes in Bankruptcy Act of 2009 S. 61 - Helping Families Save Their Homes in Bankruptcy Act of 2009 S. 257 - Consumer Credit Fairness Act S. 3217 Restoring American Financial Stability Act of 2010 H.R. 4173 Dodd-Frank Wall Street Reform & Consumer Protection Act Financial Crisis Responsibility Fee H.R. 627 Credit Cardholders' Bill of Rights Act of 2009 (Implementing Rule) S. 3098 Protect Our Recovery Through Oversight of Proprietary Trading Act of 2010

Client expense: $404,212 · Firm income: Not reported

Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, Natl Economic Council (NEC), SENATE, Treasury, Dept of

H.R. 1106 - Helping Families Save Their Homes Act of 2009 H.R. 200 / S. 61 - Helping Families Save Their Homes Bankruptcy Act

Client expense: $697,169 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 200 - Helping Families Save their Homes in Bankruptcy Act of 2009 - Excludes from computation of debts the secured or unsecured portions of: (1) debts secured by the debtor's principal residence if the current value of that residence is less than the secured debt limit. H.R. 1106 - Helping Families Save Their Homes Act of 2009 - Amends federal bankruptcy law governing a Chapter 13 debtor (adjustment of debts of an individual with regular income) to exclude from the computation of debts the secured or unsecured portions of: (1) debts secured by the debtor's principal residence if the value of the residence is less than the applicable maximum amount of noncontingent, liquidated, secured debts; or (2) debts secured or formerly secured by the debtor's principal residence that was either sold in foreclosure or surrendered to the creditor if the property's value was less than the applicable maximum amount of noncontingent, liquidated, secured debts. S. 61 - Helping Families Save their Homes in Bankruptcy Act of 2009 - Amends federal bankruptcy law governing a Chapter 13 debtor (adjustment of debts of an individual with regular income). Excludes from computation of debts the secured or unsecured portions of: (1) debts secured by the debtor's principal residence if the current value of that residence is less than the secured debt limit; or (2) debts secured or formerly secured by debtor's principal residence that was either sold in foreclosure or surrendered to the creditor if the current value of such real property is less than the secured debt limit.

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

Government targets: Energy, Dept of, Environmental Protection Agency (EPA), Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), SENATE, Treasury, Dept of, Veterans Affairs, Dept of (VA)

Support H.R. 200 / H.R. 1106 / S. 61 / amendment offered by Senator Durbin to S. 896, which allows bankruptcy judges to require loan modifications on primary residence mortgages. Support H.R. 3421, the The Medical Debt Relief Act of 2009

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

Government targets: Agriculture, Dept of (USDA), Centers For Disease Control & Prevention (CDC), Commerce, Dept of (DOC), Defense, Dept of (DOD), Education, Dept of, Environmental Protection Agency (EPA), Equal Employment Opportunity Commission (EEOC), Federal Bureau of Investigation (FBI), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Interior, Dept of (DOI), Justice, Dept of (DOJ), Labor, Dept of (DOL), Office of Personnel Management (OPM), SENATE, Small Business Administration (SBA), Social Security Administration (SSA), State, Dept of (DOS), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Commission on Civil Rights, U.S. Trade Representative (USTR), Veterans Affairs, Dept of (VA), Voice of America, White House Office

Eliminate predatory lending; ensure equal access to financial services to all Americans. Eliminate disparities in credit reporting. Ease home mortgage foreclosure crisis. Eliminate pay day lending (concerns about H.R. 1214). Support capping all interest rates at 36% APR (support H.R. 1608 / S. 500). Support a foreclosure moratorium (H.R. 527 / S. 241). Oppose "vulture funds". Support debt relief for poor nations, a.k.a. the Jubilee Act. Reform the mortgage servicers industry so that more loans are modified and fewer homes are foreclosed upon. Try to ensure that homeowner facing foreclosure are not forgotten in the Wall Street bailout. Try to stop abusive credit card practices (support H.R. 627 / S. 414). Support H.R. 200 / H.R. 1106 / S. 61, which allows bankruptcy judges to require loan modifications on primary residence mortgages. Support reauthorization, modernization and expansion of the Community Reinvestment Act (CRA), support H.R. 1479. Support efforts to eliminate predatory loans; support 1728. Oppose payday loans; working to improve H.R. 1214. Support 36% interest rate cap; support H.R. 1608 / S. 500. Support legislation to toughen financial fraud investigations and sentences; support S. 386. Support legislation to make it easier for homeowners to modify their mortgages through federal programs; support S. 896. Support the creation of a Consumer Financial Protection Agency (CFPA) with strong civil rights mandates. Support financial literacy programs. Support an increase the demographic diversity of the financial services industry. Support H.R. 4173. Oppose exempting auto dealers from newly created CFPA. Oppose exempting college loans from CFPA. Oppose allowing CFPA, and all federal lending laws, to preempt stronger state laws. Support regulations to shut down yield spread premiums to mortgage brokers. Support financial counseling. oppose exempting Rent-to-Own operations from CFPA oversight. Support for the Benefit Card Fairness Act, H.R. 4552. Support creation of a strong CFPA, without exempting car dealers or student lenders, rent-to-own stores or payday lenders from its purview. Oppose federal preemption of state consumer financial protection laws. Ensure that rogue auto dealers are not exempted from the authority of the newly created Consumer Financial Protection Bureau, while at the same time ensuring that small, minority owned auto dealers who are fair to consumers are not run out of business. Support the creation of a strong, independent Consumer Financial Protection Bureau in H.R. 4173. Support S. 3245, the Payday Limitation Act of 2010. This legislation takes an aggressive approach to eliminating the worst of the payday debt trap problems. Support final passage of the conference report for H.R. 4173, the Restoring American Financial Stability Act. Support S. 3217, the Restoring American Financial Stability Act of 2010. Support H.R. 3149, the Equal Employment for All Act, which would outlaw the use of credit scores by potential employers when making hiring decisions. Support Creation of the Offices of Minority and Women Inclusion Under the Restoring American Financial Stability Act of 2010. Support FDIC guidence issued on limiting abusive overdract practices. Support Elizabeth Warren to be the first head of the Consumer Financial Protection Bureau. Support allowing consumers to close a bank account without incurring onerous fees.

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

Government targets: Agriculture, Dept of (USDA), Centers For Disease Control & Prevention (CDC), Commerce, Dept of (DOC), Defense, Dept of (DOD), Education, Dept of, Environmental Protection Agency (EPA), Equal Employment Opportunity Commission (EEOC), Federal Bureau of Investigation (FBI), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Interior, Dept of (DOI), Justice, Dept of (DOJ), Labor, Dept of (DOL), Office of Personnel Management (OPM), SENATE, Small Business Administration (SBA), Social Security Administration (SSA), State, Dept of (DOS), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Commission on Civil Rights, U.S. Trade Representative (USTR), Veterans Affairs, Dept of (VA), Voice of America, White House Office

Eliminate predatory lending; ensure equal access to financial services to all Americans. Eliminate disparities in credit reporting. Ease home mortgage foreclosure crisis. Eliminate pay day lending (concerns about H.R. 1214). Support capping all interest rates at 36% APR (support H.R. 1608 / S. 500). Support a foreclosure moratorium (H.R. 527 / S. 241). Reform the mortgage servicers industry so that more loans are modified and fewer homes are foreclosed upon. Try to ensure that homeowners facing foreclosure are not forgotten in the Wall Street bailout. Try to stop abusive credit card practices (support H.R. 627 / S. 414). Support H.R. 200 / H.R. 1106 / S. 61, which allows bankruptcy judges to require loan modifications on primary residence mortgages. Oppose payday lending, working to help improve H.R. 1214. Support efforts to eliminate predatory lending. Support H.R. 1728. Support the establishment of a Consumer Financial Protection Agency (working to improve H.R. 3126). Support reauthorization, modernization and expansion of the Community Reinvestment Act (CRA), support H.R. 1479. Support 36% interest rate cap; support H.R. 1608 / S. 500. Work to eliminate the debt trap caused by payday lenders. Support financial literacy programs. Support H.R. 4173. Oppose exempting auto dealers from newly created CFPA. Oppose exempting college loans from CFPA. Oppose allowing CFPA, and all federal lending laws, to preempt stronger state laws. Support regulations to shut down yield spread premiums to mortgage brokers. Oppose the proposed Adverse Market Delivery Charge (AMDC) as well as the series of Loan Level Price Adjustments (LLPAs) under consideration by Fannie Mae and Freddie Mac. Ensure that rogue auto dealers are not exempted from the authority of the newly created Consumer Financial Protection Bureau, while at the same time ensuring that small, minority owned auto dealers who are fair to consumers are not run out of business. Support the creation of a strong, independent Consumer Financial Protection Bureau in H.R. 4173. Support S. 3245, the Payday Limitation Act of 2010. This legislation takes an aggressive approach to eliminating the worst of the payday debt trap problems. Support final passage of the conference report for H.R. 4173, the Restoring American financial Stability Act. Support S. 3217, the Restoring American Financial Stability Act of 2010. Support H.R. 3421, the The Medical Debt Relief Act of 2009. Support the creation of the Offices of Minority and Women Inclusion Under the Restoring American Financial Stability Act of 2010. Support a ban on the use of credit reports by potential employers. Support H.R. 3149. Support FDIC guidence issued on limiting abusive overdract practices. Support Elizabeth Warren to be the first head of the Consumer Financial Protection Bureau. Support allowing consumers to close a bank account without incurring onerous fees.

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

Government targets: Agriculture, Dept of (USDA), Centers For Disease Control & Prevention (CDC), Commerce, Dept of (DOC), Defense, Dept of (DOD), Education, Dept of, Environmental Protection Agency (EPA), Equal Employment Opportunity Commission (EEOC), Federal Bureau of Investigation (FBI), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Interior, Dept of (DOI), Justice, Dept of (DOJ), Labor, Dept of (DOL), Office of Personnel Management (OPM), SENATE, Small Business Administration (SBA), Social Security Administration (SSA), State, Dept of (DOS), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Commission on Civil Rights, U.S. Trade Representative (USTR), Veterans Affairs, Dept of (VA), Voice of America, White House Office

HR 200/S 61 - "Helping Families Save their Homes in Bankruptcy Act of 2009" - Amends federal bankruptcy law governing a Chapter 13 debtor HR 225 - "Emergency Homeownership and Equity Protection Act of 2009" - Amends federal bankruptcy law governing a Chapter 13 debtor

Client expense: $760,000 · Firm income: Not reported

Government targets: Federal Emergency Management Agency (FEMA), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Labor, Dept of (DOL), SENATE, Transportation, Dept of (DOT), Treasury, Dept of, U.S. Copyright Office

HR 200/S 61 To amend title 11 of the United States Code with respect to modification of certain mortgages on principal residences, and for other purposes. HR 1106/S. 895 To prevent mortgage foreclosures and enhance mortgage credit availability.

Client expense: $315,000 · Firm income: Not reported

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

HR 200/S 61 To amend title 11 of the United States Code with respect to modification of certain mortgages on principal residences, and for other purposes. HR 1106/S. 895 To prevent mortgage foreclosures and enhance mortgage credit availability.

Client expense: $315,000 · Firm income: Not reported

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

H.R.200/ S. 61 Helping Families Save Their Homes Bankruptcy Act (entire bill) H.R. 1106/ S. 895. Helping Families Save Their Homes Act, Title I, Subtitle A--Modification of Residential Mortgages

Client expense: $330,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Transportation, Dept of (DOT), Treasury, Dept of

H. R. 200 /S. 61 - Helping Families Save Their Homes in Bankruptcy Act-Addresses the treatment of primary mortgages in foreclosure by allowing bankruptcy judges to modify loan terms.

Client expense: $95,626 · Firm income: Not reported

Government targets: Energy, Dept of, Environmental Protection Agency (EPA), Federal Emergency Management Agency (FEMA), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Occupational Safety & Health Administration (OSHA), SENATE, Small Business Administration (SBA), Treasury, Dept of

HR 1106 Helping Families Save Their Homes Act of 2009 HR 200 S 61 Helping Families Save Their Homes Bankruptcy Act

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Energy and Climate Legislation. Promote and protect the interests of natural gas utilities in any legislation considered by the House Energy & Commerce Committee and the Senate Energy and Natural Resources Committee, including efficiency mandates. S 3079 - Building Star Energy Efficiency Act of 2010 S 3177 Home Star Energy Retrofit Act of 2010 S 3059 - National Energy Efficiency Enhancement Act of 2010 S 1733, Clean Energy Jobs and American Power Act S 61, Restoring America's Manufacturing Leadership through Efficiency Act S 598, Appliance Standards Improvement Act S 1462, American Clean Energy Leadership Act H 3488, Clean Cities Program Reauthorization Act HR 2454, American Clean Energy and Security Act Oppose legislation to restrict or discourage natural gas production HR 2766 & S 1215, Fracking Responsibility and Awareness of Chemicals (FRAC) Act HR 4785, Rural Energy Savings Program Act S. 949, 21st Century Energy Technology Deployment Act S. 1175, authorizing DOE loans to electric utilities to carry our projects to comply with Federal RES; S. 1462, American Clean Energy leadership Act of 2009 S. 3021, Support Renewable Energy Act of 2010 Graham draft "clean energy standard" legislation S. 3464, Practical Energy and Climate Plan Act of 2010 H.R. 5019, Home Star Energy Retrofit Act of 2010 (energy efficiency); H.Res. 1329, providing for consideration of the bill (H.R. 5019) to provide for the establishment of the Home Star Retrofit Rebate Program, and for other purposes (sets froth the rule for consideration of the bill (H.R. 5019) to provide for the establishment of the Home Star Retrofit Rebate Program; to make funds available to states to support financial assistance provided by qualified financing entities for making, to existing homes, energy efficiency improvements.); S. 3434, Home Star Energy Retrofit Act of 2010; S. 3709, Building Star Energy Efficiency Act of 2010, (establishes in the Department of Energy (DOE) the Building Star Efficiency Rebate Program of 2010); H.R. 4554, Energy Assistance for American Families Act, (amends the Low-Income Home Energy Assistance Act of 1981 to authorize appropriations for FY 2011-FY 2014).

Client expense: $45,000 · Firm income: Not reported

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