JAMES CHESSEN

Brokered Deposits H.R. 741, TAILOR Act H.R. 189, Financial Institution Customer Protection Act of 2019 H.R. 1595, the Secure and Fair Enforcement (SAFE) Banking Act of 2019 H.R. 3619, Appraisal Fee Transparency Act of 2019 H.R. 5194 / S. 2903 /, Climate Change Financial Risk Act of 2019 H.R. 5315, the Expanding Opportunities for Minority Depository Institutions (MDIs) Act H.R. 5322, the Ensuring Diversity in Community Banking Act of 2019 S. 1200, Secure and Fair Enforcement Banking (SAFE) Act of 2019 S. 1233, Community Bank Access to Capital Sec. 2821 of S. 1790, National Defense Authorization Act of 2020 S. 2839, Eliminating Corporate Shadow Banking Act of 2019 H.R. 748/ S.3548, CARES Act S___, Immediate Measures to Protect Against COVID-19 Threats (IMPACT) for Small Business Act of 2020 S. 3502, The Community Bank Regulatory Relief Act

Data Security and Privacy

Americans with Disabilities Act Tailored Regulation H.J.Res.111/S.J.Res.47 S.J.Res.57 H.R. 394/S.85, Restoring Access to Medication Act of 2017 H.R.35, Health Savings Act of 2017 H.R.1476, The Native American Health Savings Improvement Act H.R.1457, MOBILE Act of 2017 H.R. 1175/ S. 403, The Health Savings Act of 2017 H.R. 4028, PROTECT Act of 2017 H.R. 4978 / S. 2410, Chronic Disease Management Act of 2018 H.R. 6199, Restoring Access to Medication and Modernizing Health Savings Accounts Act of 2018 H.R. 6311, Increasing Access to Lower Premium Plans and Expanding Health Savings Accounts Act of 2018 H.R. 6743, Consumer Information Notification Requirement Act Arbitration Clauses in Financial Contracts Fair Lending Laws Small Dollar Lending Military Lending Act

Eliminating the Credit Unions Tax Exemption H.R. 1, Tax Cuts and Jobs Act H.R. 2339, the Capital Access for Small Business Banks Act of 2017

Cybersecurity

Eliminating the Credit Unions Tax Exemption H.R. 1, Tax Cuts and Jobs Act H.R. 2339, the Capital Access for Small Business Banks Act of 2017

Eliminating the Credit Unions Tax Exemption H.R. 1, Tax Cuts and Jobs Act H.R. 2339, the Capital Access for Small Business Banks Act of 2017

Tailored Regulation H.J.Res.111/S.J.Res.47 H.R. 394/S.85 , Restoring Access to Medication Act of 2017 H.R.35, Health Savings Act of 2017 H.R.1476, The Native American Health Savings Improvement Act H.R.1457, MOBILE Act of 2017 H.R. 1175/ S. 403, The Health Savings Act of 2017 H.R. 4028, PROTECT Act of 2017 H.R. 4978 / S. 2410, Chronic Disease Management Act of 2018 Arbitration Clauses in Financial Contracts Fair Lending Laws Small Dollar Lending Military Lending Act

H.R. 1480, the SAFE Act Confidentiality and Privilege Enhancement Act (protects the confidentiality of information shared with state regulators). S. 961, the Data Security Act of 2015 (ensures all entities that handle consumers sensitive financial data have in place a robust process to protect data. Tailored Regulation Patient Choice, Affordability, Responsibility, and Empowerment (CARE) Act H.R. 868/S. 448, Veterans TRICARE Choice Act H.R. 975, Health Freedom for Seniors Act H.R. 1270/S. 709, Restoring Access to Medication Act of 2015 H.R. 1196, Health Savings Act of 2015 H.R. 1547/S. 836, Family Health Care Flexibility Act H.R. 2205, the Data Security Act of 2015 H.R. 5445, The Health Care Security Act of 2016 H.R. 5452, The Native American Health Savings Improvement Act H.R. 5458, The Veterans TRICARE Choice Act H.R. 6287, MOBILE Act of 2016 Fair Lending Laws Small Dollar Lending Military Lending Act

Eliminating the Credit Unions Tax Exemption H.R. 879, Ax the Tax on Middle Class Americans Health Plans Act H.R. 1169, Health Savings Account Act H.R. 1494, Retirement Health Savings Act H.R. 2789, The Capital Access for Small Business Banks Act H.R. 3287, Community Bank Flexibility Act

H.R. 601, the Eliminate Privacy Notice Confusion Act (to provide an exemption from the Gramm-Leach-Bliley Acts annual notice requirement for institutions that have not changed their privacy policies and only share personal information within the statutory exceptions. S. 423, the Privacy Notice Modernization Act (counterpart to H.R. 601). H.R. 1113, the Portfolio Lending and Mortgage Access Act; H.R. 1210, the Portfolio Lending and Mortgage Access Act (would provide that loans originated and held in portfolio are treated as Qualified Mortgages). H.R. 1233, the CLEARR Act of 2015 (to provide an exemption from the Gramm-Leach-Bliley Acts annual notice requirement). S. 812, the CLEAR Relief Act of 2015 (a companion bill to H.R. 1233). H.R. 888, Subsidy Reserve Act of 2015, to require nonbank financial companies supervised by the Federal Reserve Board and bank holding companies over $500 billion of assets to establish and maintain Subsidy Reserves. H.R. 1389, the American Jobs and Community Revitalization Act (provides a QM Safe Harbor for loans held in portfolio and establishes an application process for treatment as a rural or underserved area for purposes of QM. H.R. 1408, The Mortgage Servicing Asset Capital Requirements Act (postpones Basel III rules on mortgage servicing assets until their impact can be studied). H.R. 1529, the Community Institution Mortgage Relief Act (provides a legal safe harbor from escrow requirements for smaller institutions that hold loans in portfolio for 3 years). H.R. 3468, Credit Union Share Insurance Fund Parity Act (amended the Federal Credit Union Act to extend insurance coverage to IOLTAs.) H.R. 3791, to raise the consolidated assets threshold under the small bank holding company policy statement. H.R. 1334, the Holding Company Registration Threshold Equalization Act H.R. 1259/ S. 871, the Helping Expand Lending Practices (HELP) in Rural Communities Act S. 1484, the Financial Regulatory Improvement Act of 2015 H.R. 2896/S.3153, the TAILOR Act H.R. 766/S. 2790, the Financial Institution Consumer Protection Act of 2015 H.R. 1553, the Small Bank Exam Cycle Reform Act of 2015 H.R. 4116, to ensure that the reciprocal deposits of an insured depository institution are not considered to be funds obtained by or through a deposit broker H.R. 5660, Retail Checking Account Protection Act of 2016 H.R. 4500, Community Bank Reporting Relief Act H.R 2209, to require the appropriate federal banking agencies to treat certain municipal obligations as level 2A liquid assets H.R. 5027, to amend the Federal Reserve Act to adjust the circumstances under which Federal Reserve bank stock is callable H.R. 5465, to repeal section 1075 of the Consumer Financial Protection Act of 2010 relating to rules for payment card transactions, and for other purposes H.R. 6162, to ensure that prepaid funds deposited in an insured depository institution satisfy the requirements of the primary purpose exclusion to the definition of deposit broker S. 3404, to require the appropriate Federal banking agencies to treat certain municipal obligations as level 2B liquid assets Basel Capital Rules Basel Liquidity Rules Accountability for Basel/FSB negotiations Volcker Rule Reform DoL Fiduciary Rule H.R. 5983, The Financial CHOICE Act De novo banks

Eliminating the Credit Unions Tax Exemption H.R. 879, Ax the Tax on Middle Class Americans Health Plans Act H.R. 1169, Health Savings Account Act H.R. 1494, Retirement Health Savings Act H.R. 2789, The Capital Access for Small Business Banks Act H.R. 3287, Community Bank Flexibility Act

H.R. 1480, the SAFE Act Confidentiality and Privilege Enhancement Act (protects the confidentiality of information shared with state regulators). S. 961, the Data Security Act of 2015 (ensures all entities that handle consumers sensitive financial data have in place a robust process to protect data. Tailored Regulation Patient Choice, Affordability, Responsibility, and Empowerment (CARE) Act H.R. 868/S. 448, Veterans TRICARE Choice Act H.R. 975, Health Freedom for Seniors Act H.R. 1270/S. 709, Restoring Access to Medication Act of 2015 H.R. 1196, Health Savings Act of 2015 H.R. 1547/S. 836, Family Health Care Flexibility Act H.R. 2205, the Data Security Act of 2015 H.R. 5445, The Health Care Security Act of 2016 H.R. 5452, The Native American Health Savings Improvement Act H.R. 5458, The Veterans TRICARE Choice Act Fair Lending Laws Small Dollar Lending Military Lending Act

Eliminating the Credit Unions Tax Exemption H.R. 879, Ax the Tax on Middle Class Americans Health Plans Act H.R. 1169, Health Savings Account Act H.R. 1494, Retirement Health Savings Act

H.R. 1480, the SAFE Act Confidentiality and Privilege Enhancement Act (protects the confidentiality of information shared with state regulators). S. 961, the Data Security Act of 2015 (ensures all entities that handle consumers sensitive financial data have in place a robust process to protect data). Tailored Regulation Patient Choice, Affordability, Responsibility, and Empowerment (CARE) Act H.R. 868/S. 448, Veterans TRICARE Choice Act H.R. 975, Health Freedom for Seniors Act H.R. 1270/S. 709, Restoring Access to Medication Act of 2015 H.R. 1196, Health Savings Act of 2015 H.R. 1547/S. 836, Family Health Care Flexibility Act H.R. 2205, the Data Security Act of 2015 Fair Lending Laws Small Dollar Lending Military Lending Act

H.R. 1480, the SAFE Act Confidentiality and Privilege Enhancement Act (protects the confidentiality of information shared with state regulators). S. 961, the Data Security Act of 2015 (ensures all entities that handle consumers sensitive financial data have in place a robust process to protect data. Tailored Regulation Patient Choice, Affordability, Responsibility, and Empowerment (CARE) Act H.R. 868/S. 448, Veterans TRICARE Choice Act H.R. 975, Health Freedom for Seniors Act H.R. 1270/S. 709, Restoring Access to Medication Act of 2015 H.R. 1196, Health Savings Act of 2015 H.R. 1547/S. 836, Family Health Care Flexibility Act H.R. 2205, the Data Security Act of 2015 Fair Lending Laws Small Dollar Lending Military Lending Act

H.R. 1480, the SAFE Act Confidentiality and Privilege Enhancement Act (protects the confidentiality of information shared with state regulators). S. 961, the Data Security Act of 2015 (ensures all entities that handle consumers sensitive financial data have in place a robust process to protect data. Tailored Regulation Patient Choice, Affordability, Responsibility, and Empowerment (CARE) Act H.R. 868/S. 448, Veterans TRICARE Choice Act H.R. 975, Health Freedom for Seniors Act H.R. 1270/S. 709, Restoring Access to Medication Act of 2015 H.R. 1196, Health Savings Act of 2015 H.R. 1547/S. 836, Family Health Care Flexibility Act H.R. 2205, the Data Security Act of 2015

H.R. 1480, the SAFE Act Confidentiality and Privilege Enhancement Act (protects the confidentiality of information shared with state regulators). Data Breach and Data Security Tailored Regulation Patient Choice, Affordability, Responsibility, and Empowerment (CARE) Act H.R. 868/S. 448, Veterans TRICARE Choice Act H.R. 975, Health Freedom for Seniors Act H.R. 1270/S. 709, Restoring Access to Medication Act of 2015 H.R. 1196, Health Savings Act of 2015 H.R. 1547/S. 836, Family Health Care Flexibility Act

S. 451, the Dodd-Frank Wall Street Reform and Consumer Protection Technical Corrections Act of 2013 (all provisions) S. 673, the Protecting Consumers from Unreasonable Credit Rates Act of 2013 (all provisions to set an interest rate and fee cap of 36 percent for consumer credit transactions) H.R. 688, the Credit Union Small Business Jobs Creation Act (all provisions) H.R. 1261, the Overdraft Protection Act of 2013 (all provisions) H.R. 3468, a bill to amend the Federal Credit Union Act to extend insurance coverage to amounts held in a member account on behalf of another person, and for other purposes H.R. 4252, Mutual Bank Choice and Continuity Act of 2014 S. 2102, a bill to clarify the application of certain leverage and risk-based requirements under the Dodd-Frank Wall Street Reform and Consumer Protection Act. H.R. 4060, Systemic Risk Designation Improvement Act of 2014 H.R. 4042, Community Bank Mortgage Servicing Asset Capital Requirements Study Act of 2014 S. 1916, HELP Rural Communities Act of 2014 S. 1903, Prepaid Card Disclosure Act of 2014 S. 2641, a bill to amend the Truth in Lending Act to provide that residential mortgage loans held in portfolio qualify as qualified mortgages for purposes of the presumption of the ability to repay requirements under such Act, and for other purposes. S. 2697, a bill to amend the Truth in Lending Act to clarify the application of the qualified mortgage rule to rural lenders, and for other purposes. H.R. 3211, The Mortgage Choice Act H.R. 5405, to make technical corrections to the Dodd-Frank Act; to enhance the ability of small companies to access capital through public and private markets; to reduce regulatory burdens, and more. H.R. 5461, The Barr-Miller bill - to clarify the application of certain leverage and risk-based requirements under DFA and Consumer Protection Act, and for other purposes.

Federal Reserve Monetary Policy H.R. 4387, FSOC Transparency and Accountability Act

Volcker Rule provision regarding investments in collateralized debt obligations backed by trust preferred securities (TruPS) S. 1912, a bill to clarify that certain banking entities are not required to divest from collateralized debt obligations backed by trust preferred securities under the Volcker Rule.

See addendum.Federal Reserve Monetary Policy H.R. 4387, FSOC Transparency and Accountability Act

See addendum.Volcker Rule provision regarding investments in collateralized debt obligations backed by trust preferred securities (TruPS) S. 1912, a bill to clarify that certain banking entities are not required to divest from collateralized debt obligations backed by trust preferred securities under the Volcker Rule

See addendum.S.474, the Swaps Regulatory Improvement Act (all provisions) S. 635, the Privacy Notice Modernization Act of 2013 (all provisions) S. 710, the Municipal Advisors Relief Act of 2013 (all provisions to exempt commercial banks and savings and loan associations from the Dodd-Frank Act provisions requiring regulation of municipal advisors) S. 731, the Basel III CASE Act (all provisions) S. 737, the Basel III Impact Study Act (all provisions) S. 798, the Terminating Bailouts for Taxpayer Fairness Act of 2013 (all provisions) S. 872, the Holding Company Registration Threshold Equalization Act of 2013 (provisions to extend to savings and loan holding companies the new SEC shareholder registration and deregistration thresholds under the JOBS Act) S. 968, the Small Business Lending Enhancement Act of 2013 (all provisions to increase credit union business lending limits) H.R. 613, the Systemic Risk Mitigation Act (all provisions) H.R. 634, Business Risk Mitigation and Price Stabilization Act of 2013 (provisions to clarify that end users would not be subject to margin requirements for un-cleared swaps) H.R. 677, the Inter-Affiliate Swap Clarification Act (all provisions H.R. 701, to amend a provision of the Securities Act of 1933 directing the Securities and Exchange Commission to add a particular class of securities to those exempted under such Act to provide a deadline for such action H.R. 742, the Swap Data Repository and Clearinghouse Indemnification Correction Act H.R. 749, the Eliminate Privacy Notice Confusion Act (all provisions) H.R.797 , the Municipal Advisor Oversight Improvement Act of 2013 H.R. 801, the Holding Company Registration Threshold Equalization Act of 2013 (all provisions) H.R. 992, the Swaps Regulatory Improvement Act (all provisions) H.R. 1003, to provide for a full assessment of the costs and benefits of Commodity Futures Trading Commission (CFTC) regulations H.R. 1062, the SEC Regulatory Accountability Act (all provisions to require the SEC to do a thorough cost-benefit analysis before proposing a new regulation) H.R. 1256, the Swap Jurisdiction Certainty Act H.R. 1341, the Financial Competitive Act of 2013 (all provisions)H.R. 1553, the Financial Institutions Examination Fairness and Reform Act (all provisions) H.R. 1750, the Community Lending Enhancement and Regulatory Relief Act H.R. 2672, the CFPB Rural Designation Petition and Correction Act H.R. 3584, to amend the Federal Home Loan Bank Act to authorize privately insured credit unions to become members of a Federal home loan bank, and for other purposes. H.R. 3329, to enhance the ability of community financial institutions to foster economic growth and serve their communities, boost small businesses, increase individual savings, and for other purposes. Draft Senate legislation to exempt commercial banks from municipal advisor regulation Discussion Draft of the Swap Jurisdiction Certainty Act (all provisions) Draft legislation that would require the Treasury Department to determine which commercial banks, investment banks, hedge funds, and insurance companies are too-big-to-fail, and to break up those institutions within one year. Clarity in Regulations Discussion Draft H.R. 496, Recognizing the importance of savings to financial security. S. 1927, Data Security Act of 2014 S. 2114, Bond Transparency Act of 2014 H.R. 4252, Mutual Bank Choice and Continuity Act of 2014 H.R. 4569, Disclosure Modernization and Simplification Act of 2014 H.R. 4466, Financial Regulatory Clarity Act of 2014 S. 2698, Regulatory Easement for Lending Institutions that Enable a Vibrant Economy Act of 2014

See addendum.S. 474, the Swaps Regulatory Improvement Act (all provisions) S. 635, the Privacy Notice Modernization Act of 2013 (all provisions) S. 710, the Municipal Advisors Relief Act of 2013 (all provisions to exempt commercial banks and savings and loan associations from the Dodd-Frank Act provisions requiring regulation of municipal advisors) S. 731, the Basel III CASE Act (all provisions) S. 737, the Basel III Impact Study Act (all provisions) S. 798, the Terminating Bailouts for Taxpayer Fairness Act of 2013 (all provisions) S. 872, the Holding Company Registration Threshold Equalization Act of 2013 (provisions to extend to savings and loan holding companies the new SEC shareholder registration and deregistration thresholds under the JOBS Act) S. 968, the Small Business Lending Enhancement Act of 2013 (all provisions to increase credit union business lending limits) H.R. 613, the Systemic Risk Mitigation Act (all provisions) H.R. 634, Business Risk Mitigation and Price Stabilization Act of 2013 (provisions to clarify that end users would not be subject to margin requirements for un-cleared swaps) H.R. 677, the Inter-Affiliate Swap Clarification Act (all provisions H.R. 701, to amend a provision of the Securities Act of 1933 directing the Securities and Exchange Commission to add a particular class of securities to those exempted under such Act to provide a deadline for such action H.R. 742, the Swap Data Repository and Clearinghouse Indemnification Correction Act H.R. 749, the Eliminate Privacy Notice Confusion Act (all provisions) H.R.797 , the Municipal Advisor Oversight Improvement Act of 2013 H.R. 801, the Holding Company Registration Threshold Equalization Act of 2013 (all provisions) H.R. 992, the Swaps Regulatory Improvement Act (all provisions) H.R. 1003, to provide for a full assessment of the costs and benefits of Commodity Futures Trading Commission (CFTC) regulations H.R. 1062, the SEC Regulatory Accountability Act (all provisions to require the SEC to do a thorough cost-benefit analysis before proposing a new regulation) H.R. 1256, the Swap Jurisdiction Certainty Act H.R. 1341, the Financial Competitive Act of 2013 (all provisions) H.R. 1553, the Financial Institutions Examination Fairness and Reform Act (all provisions)H.R. 1750, the Community Lending Enhancement and Regulatory Relief Act H.R. 2672, the CFPB Rural Designation Petition and Correction Act H.R. 3584, to amend the Federal Home Loan Bank Act to authorize privately insured credit unions to become members of a Federal home loan bank, and for other purposes H.R. 3329, to enhance the ability of community financial institutions to foster economic growth and serve their communities, boost small businesses, increase individual savings, and for other purposes. Draft Senate legislation to exempt commercial banks from municipal advisor regulation Discussion Draft of the Swap Jurisdiction Certainty Act (all provisions) Draft legislation that would require the Treasury Department to determine which commercial banks, investment banks, hedge funds, and insurance companies are too-big-to-fail, and to break up those institutions within one year. Clarity in Regulations Discussion Draft H.Res. 496, Recognizing the importance of savings to financial security. S. 1927, Data Security Act of 2014 S. 2114, Bond Transparency Act of 2014 H.R. 4252, Mutual Bank Choice and Continuity Act of 2014 H.R. 4569, Disclosure Modernization and Simplification Act of 2014 H.R. 4466, Financial Regulatory Clarity Act of 2014

See addendum.Volcker Rule provision regarding investments in collateralized debt obligations backed by trust preferred securities (TruPS) S. 1912, a bill to clarify that certain banking entities are not required to divest from collateralized debt obligations backed by trust preferred securities under the Volcker Rule

S. 509, the Small Business Lending Enhancement Act of 2011 (all provisions) S. 556, a bill to amend the securities laws to establish certain thresholds for shareholder registration, and for other purposes (all provisions)S. 1151, the Personal Data Privacy and Security Act of 2011 (all provisions, including those to exclude GLBA institutions from data security and consumer notice requirements) S. 1207, the Data Security and Breach Notification Act of 2011 (all provisions, including data security and consumer notice requirements) S. 1408, the Data Breach Notification Act of 2011 (all provisions, including data security and consumer notice requirements) S. 1418, Emergency Management Assistance Compact Act of 2011 S. 1434, the Data Security Act of 2011, (all provisions, including data security and consumer notice requirements) S. 1535, the Personal Data Protection and Breach Accountability Act of 2011 (all provisions, including data security and consumer notice requirements) S. 1615, the Financial Regulatory Responsibility Act of 2011 (all provisions) S. 1824, the Private Company Flexibility and Growth Act (all provisions) S. 1941, a bill to amend the securities laws to establish certain thresholds for shareholder registration, and for other purposes (all provisions) S. 2099, a bill to amend the Federal Deposit Insurance Act with respect to information provided to the Bureau of Consumer Financial Protection (all provisions) S. 2160, the Financial Institutions Examination Fairness and Reform Act (all provisions) S. 2223, a bill to address the implementation of certain prohibitions under the Bank Holding Company Act of 1956, and for other purposes (all provisions) S. 2231, the Small Business Lending Enhancement Act of 2012 (all provisions) H.R. 87, to repeal the Dodd-Frank Wall Street Reform and Consumer Protection Act (all provisions) H.R. 940, the United States Covered Bond Act of 2011 (all provisions) H.R. 1062, the Burdensome Data Collection Relief Act (all provisions) H.R. 1070, the Small Company Capital Formation Act of 2011 (all provisions) H.R. 1151, the Emergency Mortgage Relief and Neighborhood Stabilization Programs Cost Recoupment Act of 2011 (all provisions) H.R. 1418, the Small Business Lending Enhancement Act of 2011 (all provisions) H.R. 1539, the Asset-Backed Market Stabilization Act of 2011 (all provisions) H.R. 1573, a bill to facilitate implementation of title VII of the Dodd-Frank Wall Street Reform and Consumer Protection Act, promote regulatory coordination, and avoid market disruption (all provisions) H.R. 1965, a bill to amend the securities laws to establish certain thresholds for shareholder registration, and for other purposes (all provisions)H.R. 2056, a bill To instruct the Inspector General of the Federal Deposit Insurance Corporation to study the impact of insured depository institution failures, and for other purposes H.R. 2167, the Private Company Flexibility and Growth Act (all provisions) H.R. 2577, the SAFE Data Act (all provisions, including those to exclude GLBA institutions from data security and consumer notice requirements) H.R. 3283, the Swap Jurisdiction Certainty Act (all provisions) H.R. 3461, the Financial Institutions Examination Fairness and Reform Act (all provisions) H.R. 3606, the Jumpstart Our Business Startups (JOBS) Act (provisions regarding shareholder threshold for SEC registration) H.R. 3871, the Proprietary Information Protection Act of 2012 (all provisions) H.R. 3993, Capital Access for Small Businesses and Jobs Act H.R. 4014, to amend the Federal Deposit Insurance Act with respect to information provided to the Bureau of Consumer Financial Protection (all provisions) H.R. 4088, the Capital Expansion Act (all provisions) H.R. 4235, to amend the Securities Exchange Act of 1934 and the Commodity Exchange Act to repeal the indemnification requirements for regulatory authorities to obtain access to swap data required to be provided by swaps entities under such Acts (all provisions) Proposal to implement the Volcker Rule under the Dodd-Frank Act

S. 2343, the Stop the Student Loan Interest Rate Hike Act of 2012 (provision to increase payroll taxes on S corporations and partnerships). H.R. 1838, to repeal a provision of the Dodd-Frank Wall Street Reform and Consumer Protection Act prohibiting any Federal bailout of swap dealers or participants (all provisions). H.R. 2308, the SEC Regulatory Accountability Act (all provisions). H.R. 2586, the Swap Execution Facility Clarification Act (all provisions). H.R. 2682, the Business Risk Mitigation and Price Stabilization Act of 2011 (all provisions). H.R. 2779, to exempt inter-affiliate swaps from certain regulatory requirements put in place by the Dodd-Frank Wall Street Reform and Consumer Protection Act (all provisions). H.R. 3336, the Small Business Credit Availability Act (all provisions). H.R. 3527, the Protecting Main Street End-Users From Excessive Regulation (all provisions). Regulatory proposals to implement risk-retention provisions of the Dodd-Frank Act. Federal Housing Administration proposed rule to approve Farm Credit System institutions in FHA mortgage insurance programs. Banking 101 Primer outline and coordination. Background research and lobbying pieces on the TAG.

S. 509, the Small Business Lending Enhancement Act of 2011 (all provisions) S. 556, a bill to amend the securities laws to establish certain thresholds for shareholder registration, and for other purposes (all provisions) S. 1151, the Personal Data Privacy and Security Act of 2011 (all provisions, including those to exclude GLBA institutions from data security and consumer notice requirements) S. 1207, the Data Security and Breach Notification Act of 2011 (all provisions, including data security and consumer notice requirements) S. 1408, the Data Breach Notification Act of 2011 (all provisions, including data security and consumer notice requirements) S. 1418, Emergency Management Assistance Compact Act of 2011 S. 1434, the Data Security Act of 2011, (all provisions, including data security and consumer notice requirements) S. 1535, the Personal Data Protection and Breach Accountability Act of 2011 (all provisions, including data security and consumer notice requirements) S. 1615, the Financial Regulatory Responsibility Act of 2011 (all provisions) S. 1824, the Private Company Flexibility and Growth Act (all provisions) S. 1941, a bill to amend the securities laws to establish certain thresholds for shareholder registration, and for other purposes (all provisions) S. 2099, a bill to amend the Federal Deposit Insurance Act with respect to information provided to the Bureau of Consumer Financial Protection (all provisions) S. 2160, the Financial Institutions Examination Fairness and Reform Act (all provisions) S. 2223, a bill to address the implementation of certain prohibitions under the Bank Holding Company Act of 1956, and for other purposes (all provisions) S. 2231, the Small Business Lending Enhancement Act of 2012 (all provisions) H.R. 87, to repeal the Dodd-Frank Wall Street Reform and Consumer Protection Act (all provisions) H.R. 940, the United States Covered Bond Act of 2011 (all provisions) H.R. 1062, the Burdensome Data Collection Relief Act (all provisions) H.R. 1070, the Small Company Capital Formation Act of 2011 (all provisions) H.R. 1151, the Emergency Mortgage Relief and Neighborhood Stabilization Programs Cost Recoupment Act of 2011 (all provisions) H.R. 1418, the Small Business Lending Enhancement Act of 2011 (all provisions) H.R. 1539, the Asset-Backed Market Stabilization Act of 2011 (all provisions) H.R. 1573, a bill to facilitate implementation of title VII of the Dodd-Frank Wall Street Reform and Consumer Protection Act, promote regulatory coordination, and avoid market disruption (all provisions) H.R. 1965, a bill to amend the securities laws to establish certain thresholds for shareholder registration, and for other purposes (all provisions) H.R. 2056, a bill To instruct the Inspector General of the Federal Deposit Insurance Corporation to study the impact of insured depository institution failures, and for other purposes H.R. 2167, the Private Company Flexibility and Growth Act (all provisions) H.R. 2577, the SAFE Data Act (all provisions, including those to exclude GLBA institutions from data security and consumer notice requirements) H.R. 3283, the Swap Jurisdiction Certainty Act (all provisions) H.R. 3461, the Financial Institutions Examination Fairness and Reform Act (all provisions) H.R. 3606, the Jumpstart Our Business Startups (JOBS) Act (provisions regarding shareholder threshold for SEC registration) H.R. 3871, the Proprietary Information Protection Act of 2012 (all provisions) H.R. 3993, Capital Access for Small Businesses and Jobs Act H.R. 4014, to amend the Federal Deposit Insurance Act with respect to information provided to the Bureau of Consumer Financial Protection (all provisions) H.R. 4088, the Capital Expansion Act (all provisions) H.R. 4235, to amend the Securities Exchange Act of 1934 and the Commodity Exchange Act to repeal the indemnification requirements for regulatory authorities to obtain access to swap data required to be provided by swaps entities under such Acts (all provisions) Proposal to implement the Volcker Rule under the Dodd-Frank Act

S. 782, the Economic Development Revitalization Act of 2011 (Tester-Corker amendment on the Federal Reserves debit-card interchange rule, and foreclosure amendment that would require lenders to engage in certain loss-mitigation and modification actions) State of federal budget negotiations and impact on the economy.

S. 782, the Economic Development Revitalization Act of 2011 (Tester-Corker amendment on the Federal Reserves debit-card interchange rule, and foreclosure amendment that would require lenders to engage in certain loss-mitigation and modification actions). Discussions regarding the state of federal budget negotiations and impact on the economy.

S. 414, the Credit Card Accountability Responsibility and Disclosure Act of 2009 (proposals regarding the applicability of Truth in Lending Act provisions to small-business credit cards). S. 2919, the Small Business Lending Enhancement Act of 2009 (all provisions regarding credit union business lending limits). H.R. 2695, the Credit Card Fair Fee Act of 2009 (all provisions to regulate interchange rates) H.R. 3380, the Promoting Lending to Americas Small Businesses Act of 2009 (provisions to increase credit union business lending limits) H.R. 3808, the Interstate Recognition of Notarizations Act of 2010 (all provisions) H.R. 4173/S. 3217, the Wall Street Reform and Consumer Protection Act of 2009 (all provisions) H.R. 4884, the United States Covered Bond Act of 2010 (all provisions) H.R. 5623, the Homebuyer Assistance and Improvement Act of 2010 (all provisions) H.R. 5816, the Commercial Real Estate Stabilization Act of 2010 (all provisions) H.R. 5823, the United States Covered Bond Act of 2010 (all provisions) H.R. 5872, General and Special Risk Insurance Funds Availability Act of 2010 (all provisions) H.R. 5981, to increase the flexibility of the Secretary of Housing and Urban Development with respect to the amount of premiums charged for FHA single family housing mortgage insurance H.R. 6219, To amend the Small Business Jobs Act of 2010 to enhance the provisions of the Small Business Lending Fund Program, to amend the Small Business Investment Act of 1958 to create a Small Business Early-Stage Investment Program, and to create the Small Business Borrower Assistance Program Extension of Veterans Administration Loan Guaranty Program Proposals to Impose a Moratorium on Foreclosures

Financial Crisis Responsibility Fee (proposed bank tax) H.R. 1083, the Business Activity Tax Simplification Act of 2009 (all provisions). H.R. 4178, the Deposit Restricted Qualified Tuition Programs Act H.R. 4213, the Tax Extenders Act of 2009 (provisions on the research and development tax credit, the New Market tax credit, active financing, charitable donations to IRAs, carried interest, and assets held in offshore accounts) H.R. 2847, the Hiring Incentives to Restore Employment (HIRE) Act (all provisions) H.R. 5486, the Small Business Jobs Tax Relief Act (all provisions) Proposals on Estate Tax reform Administrations fiscal year 2011 revenue provisions Proposed securities transaction tax.

Financial Crisis Responsibility Fee (proposed bank tax) H.R. 1083, the Business Activity Tax Simplification Act of 2009 (all provisions) H.R. 4178, the Deposit Restricted Qualified Tuition Programs Act H.R. 4213, the Tax Extenders Act of 2009 (provisions on the research and development tax credit, the New Market tax credit, active financing, charitable donations to IRAs, carried interest, and assets held in offshore accounts) H.R. 2847, the Hiring Incentives to Restore Employment (HIRE) Act (all provisions) H.R. 5486, the Small Business Jobs Tax Relief Act (all provisions) Proposals on Estate Tax reform Administrations fiscal year 2011 revenue provisions Proposed securities transaction tax Amendments to Internal Revenue Code Section 67 (e)

Financial Crisis Responsibility Fee (proposed bank tax) S. 2994, the Taxpayer Fairness Act (provisions imposing a 50 percent excise tax on certain bonuses for executives at financial firms that received TARP funds). H.R. 1083, the Business Activity Tax Simplification Act of 2009 (all provisions) H.R. 4178, the Deposit Restricted Qualified Tuition Programs Act H.R. 4213, the Tax Extenders Act of 2009 (provisions on the research and development tax credit, the New Market tax credit, active financing, charitable donations to IRAs, carried interest, and assets held in offshore accounts) Proposals on Estate Tax reform Administrations fiscal year 2011 revenue provisions Proposed securities transaction tax

Financial Crisis Responsibility Fee (proposed bank tax) H.R. 1083, the Business Activity Tax Simplification Act of 2009 (all provisions) H.R. 4178, the Deposit Restricted Qualified Tuition Programs Act H.R. 4213, the Tax Extenders Act of 2009 (provisions on the research and development tax credit, the New Market tax credit, active financing, charitable donations to IRAs, carried interest, and assets held in offshore accounts) H.R. 2847, the Hiring Incentives to Restore Employment (HIRE) Act (all provisions) H.R. 5486, the Small Business Jobs Tax Relief Act (all provisions) Proposals on Estate Tax reform Administrations fiscal year 2011 revenue provisions Proposed securities transaction tax Amendments to Internal Revenue Code Section 67 (e)

S. 414, the Credit Card Accountability Responsibility and Disclosure Act of 2009 (all provisions) S. 2886, the Banking Integrity Act of 2009 S. 2919, the Small Business Lending Enhancement Act of 2009 (all provisions regarding credit union business lending limits) H.R. 1479, the Community Reinvestment Modernization Act (all provisions) H.R. 3380, the Promoting Lending to Americas Small Businesses Act of 2009 (provisions to increase credit union business lending limits) H.R. 4375, the Glass-Steagall Restoration Act H.R. 4377, the Return to Prudent Banking Act of 2009 H.R. 4461, the Banking Integrity Act of 2010 H.R. 4884, the United States Covered Bond Act of 2010 (all provisions) Treasury Department Draft Legislation on Credit Default Swaps and Other Over-The-Counter Derivatives (all provisions) The Over-the Counter Derivatives Markets Act of 2009, Draft Legislation Proposals regarding regulation of the commercial real estate (CRE) market

Financial Crisis Responsibility Fee (proposed bank tax) S. 2994, the Taxpayer Fairness Act (provisions imposing a 50 percent excise tax on certain bonuses for executives at financial firms that received TARP funds). H.R. 1083, the Business Activity Tax Simplification Act of 2009 (all provisions) H.R. 4178, the Deposit Restricted Qualified Tuition Programs Act H.R. 4213, the Tax Extenders Act of 2009 (provisions on the research and development tax credit, the New Market tax credit, active financing, charitable donations to IRAs, carried interest, and assets held in offshore accounts) Proposals on Estate Tax reform Administrations fiscal year 2011 revenue provisions Proposed securities transaction tax

FDIC Premium Assessment Issues FDIC Special Assessment

S.344 Hedge Fund Transparency Act S.360, the Cap Executive Officer Pay Act of 2009 (all provisions) S. 605, A bill to require the Securities and Exchange Commission to reinstate the uptick rule and effectively regulate abusive short selling activities S. 651, the Compensation Fairness Act of 2009 (all provisions) S. 1540, the Resolution Reform Act of 2009 (all provisions) S.1074 : A bill to provide shareholders with enhanced authority over the nomination, election, and compensation of public company executives. S. 2886, the Banking Integrity Act of 2009 (all provisions) Draft Senate legislation to restructure financial services regulation (all provisions) H.R. 302, To require the Securities and Exchange Commission to reinstate the uptick rule on short sales of securities H.R.711, Hedge Fund Adviser Registration Act of 2009 H.R. 977, the Derivatives Markets Transparency Accountability Act H.R. 1406, To direct the Securities and Exchange Commission to reinstate the "uptick rule" on short sales of securities and to suspend the application of mark-to-market accounting principles H.R. 1575, the End Government Reimbursement of Excessive Executive Disbursements (End GREED) Act (all provisions) H.R. 1664, To amend the executive compensation provisions of the Emergency Economic Stabilization Act of 2008 to prohibit unreasonable and excessive compensation and compensation not based on performance standards. H.R. 3068, the TARP for Main Street Act of 2009 (all provisions) H.R. 3126, the Consumer Financial Protection Agency Act (all provisions) H.R. 3269, the Corporate and Financial Institution Compensation Fairness Act (all provisions) H.R. 3594, the TARP Recipient Ownership Trust Act of 2009 (all provisions) H.R. 3795, the Over-the-Counter Derivatives Markets Act of 2009 (all provisions) H.R. 3890, the Accountability and Transparency in Rating Agencies Act (all provisions) H.R. 3996, the Financial Stability Improvement Act of 2009 (all provisions) H.R. 4173, the Wall Street Reform and Consumer Protection Act of 2009 (all provisions) H.R. 4375, the Glass-Steagall Restoration Act (all provisions) Letter to express support for ABA letter regarding recommendations to help well-managed, viable banks address their capital needs. Auction Announcement, New Small banks capital program, ABA recommendations.

S. 257, the Consumer Credit Fairness Act (all provisions) S. 414, the Credit Card Accountability Responsibility and Disclosure Act of 2009 (all provisions) S. 896, the Helping Families Save Their Homes Act of 2009 (all provisions, proposed amendment on farm loan restructuring) S. 1212, the Credit Card Fair Fee Act of 2009 (all provisions) H.R. 627, the Credit Cardholders' Bill of Rights Act of 2009 (all provisions) H.R. 1020, the Arbitration Fairness Act (provisions restricting arbitration clauses in contracts) H.R. 1479, the Community Reinvestment Modernization Act of 2009 H.R. 1728, the Mortgage Reform and Anti-Predatory Lending Act (all provisions) H.R. 2309, the Consumer Credit and Debt Protection Act (provisions to grant the FTC expedited rulemaking authority and authority to obtain civil penalties in connection with unfair and deceptive acts or practices) H.R. 2382, the Credit Card Interchange Fees Act of 2009 (all provisions) H.R. 2695, the Credit Card Fair Fee Act of 2009 (all provisions) H.R. 2893, Money Services Business Act of 2009 H.R. 3221, the Student Aid and Fiscal Responsibility Act of 2009 (all provisions) H.R. 3380, the Promoting Lending to America's Small Businesses Act of 2009 (all provisions on credit unions business lending restrictions) H.R. 3639, the Expedited CARD Reform for Consumers Act of 2009 (all provisions) Consumer Financial Protection Agency Act of 2009 Treasury Department Draft Legislation on Credit Default Swaps and Other Over-The-Counter Derivatives (all provisions) The Over-the Counter Derivatives Markets Act of 2009, Draft Legislation Administration Proposal to Restructure Financial Services Regulation (all provisions)

H.R. 200, the Helping Families Save Their Homes in Bankruptcy Act of 2009 (all provisions) H.R. 1106, the Helping Families Save Their Homes Act of 2009 (all provisions)

H.R. 2221, the Data Accountability and Trust Act (all data protection and notice requirement provisions) Consumer Financial Protection Agency Act of 2009

H.R. 200, the Helping Families Save Their Homes in Bankruptcy Act of 2009 (all provisions) H.R. 1106, the Helping Families Save Their Homes Act of 2009 (all provisions)

H.R. 1388, Generations Invigorating Volunteerism and Education (GIVE) Act (Crapo amendment to increase FDIC borrowing authority) FDIC Premium/Special Assessment Consumer Financial Protction Agency Act of 2009

S. 1, the American Recovery and Reinvestment Act of 2009 (executive compensation restrictions, SBA loan program provisions, municipal bonds cap increase, New Markets Tax Credit provision, Homebuyer tax credit provision, Net operating loss carryback provision) H.R. 1, the American Recovery and Reinvestment Act of 2009 (executive compensation restrictions, SBA loan program provisions, municipal bonds cap increase, New Markets Tax Credit provision, Homebuyer tax credit provision, Net operating loss carryback provision) H.R. 598, the American Recovery and Reinvestment Tax Act of 2009

H.R. 1388, Generations Invigorating Volunteerism and Education (GIVE) Act (Crapo amendment to increase FDIC borrowing authority) FDIC Premium Assessment Issues FDIC Special Assessment

S. 61, the Helping Families Save Their Homes in Bankruptcy Act of 2009 (all provisions) H.R. 200, the Helping Families Save Their Homes in Bankruptcy Act of 2009 (all provisions) H.R. 225, the Emergency Homeownership and Equity Protection Act (all provisions) H.R. 1106, the Helping Families Save Their Homes Act of 2009 (all provisions) Analysis of bankruptcy cram-down interest rate

S.J. Res. 5, joint resolution relating to the disapproval of obligations under the Emergency Economic Stabilization Act of 2008 S. 360, the Cap Executive Officer Pay Act of 2009 (all provisions) S. 356, the Community Choice in Real Estate Act (all provisions) S. 383, the Special Inspector General for the Troubled Asset Relief Program Act of 2009 S. 651, the Compensation Fairness Act of 2009 (all provisions) H.R. 384, the TARP Reform and Accountability Act of 2009 (all provisions) H.R. 1575, the End Government Reimbursement of Excessive Executive Disbursements (End GREED) Act (all provisions) H.R. 1664, To amend the executive compensation provisions of the Emergency Economic Stabilization Act of 2008 to prohibit unreasonable and excessive compensation and compensation not based on performance standards. Proposed Legislation to Lift Credit Union Business Lending Cap Treasury Proposal to Create a Systemic Risk Regulator Treasury Proposal to Purchase Toxic Assets Troubled Asset Relief Program (loss analysis, tax numbers)

S.344 Hedge Fund Transparency Act S.360, the Cap Executive Officer Pay Act of 2009 (all provisions) S. 605, A bill to require the Securities and Exchange Commission to reinstate the uptick rule and effectively regulate abusive short selling activities S. 651, the Compensation Fairness Act of 2009 (all provisions) S. 1540, the Resolution Reform Act of 2009 (all provisions) S.1074 : A bill to provide shareholders with enhanced authority over the nomination, election, and compensation of public company executives. S. 2886, the Banking Integrity Act of 2009 (all provisions) Draft Senate legislation to restructure financial services regulation (all provisions) H.R. 302, To require the Securities and Exchange Commission to reinstate the uptick rule on short sales of securities H.R.711, Hedge Fund Adviser Registration Act of 2009 H.R. 977, the Derivatives Markets Transparency Accountability Act H.R. 1406, To direct the Securities and Exchange Commission to reinstate the "uptick rule" on short sales of securities and to suspend the application of mark-to-market accounting principles H.R. 1575, the End Government Reimbursement of Excessive Executive Disbursements (End GREED) Act (all provisions) H.R. 1664, To amend the executive compensation provisions of the Emergency Economic Stabilization Act of 2008 to prohibit unreasonable and excessive compensation and compensation not based on performance standards. H.R. 3068, the TARP for Main Street Act of 2009 (all provisions) H.R. 3126, the Consumer Financial Protection Agency Act (all provisions) H.R. 3269, the Corporate and Financial Institution Compensation Fairness Act (all provisions) H.R. 3594, the TARP Recipient Ownership Trust Act of 2009 (all provisions) H.R. 3795, the Over-the-Counter Derivatives Markets Act of 2009 (all provisions) H.R. 3890, the Accountability and Transparency in Rating Agencies Act (all provisions) H.R. 3996, the Financial Stability Improvement Act of 2009 (all provisions) H.R. 4173, the Wall Street Reform and Consumer Protection Act of 2009 (all provisions) H.R. 4375, the Glass-Steagall Restoration Act (all provisions) Letter to express support for ABA letter regarding recommendations to help well-managed, viable banks address their capital needs. Auction Announcement, New Small banks capital program, ABA recommendations.

S. 257, the Consumer Credit Fairness Act (all provisions) S. 414, the Credit Card Accountability Responsibility and Disclosure Act of 2009 (all provisions) S. 896, the Helping Families Save Their Homes Act of 2009 (all provisions, proposed amendment on farm loan restructuring) S. 1212, the Credit Card Fair Fee Act of 2009 (all provisions) H.R. 627, the Credit Cardholders' Bill of Rights Act of 2009 (all provisions) H.R. 1020, the Arbitration Fairness Act (provisions restricting arbitration clauses in contracts) H.R. 1479, the Community Reinvestment Modernization Act of 2009 H.R. 1728, the Mortgage Reform and Anti-Predatory Lending Act (all provisions) H.R. 2309, the Consumer Credit and Debt Protection Act (provisions to grant the FTC expedited rulemaking authority and authority to obtain civil penalties in connection with unfair and deceptive acts or practices) H.R. 2382, the Credit Card Interchange Fees Act of 2009 (all provisions) H.R. 2695, the Credit Card Fair Fee Act of 2009 (all provisions) H.R. 2893, Money Services Business Act of 2009 H.R. 3221, the Student Aid and Fiscal Responsibility Act of 2009 (all provisions) H.R. 3380, the Promoting Lending to America's Small Businesses Act of 2009 (all provisions on credit unions business lending restrictions) H.R. 3639, the Expedited CARD Reform for Consumers Act of 2009 (all provisions) Consumer Financial Protection Agency Act of 2009 Treasury Department Draft Legislation on Credit Default Swaps and Other Over-The-Counter Derivatives (all provisions) The Over-the Counter Derivatives Markets Act of 2009, Draft Legislation Administration Proposal to Restructure Financial Services Regulation (all provisions)

H.R. 200, the Helping Families Save Their Homes in Bankruptcy Act of 2009 (all provisions) H.R. 1106, the Helping Families Save Their Homes Act of 2009 (all provisions)

S. 257, the Consumer Credit Fairness Act (all provisions) S. 386, the Fraud Enforcement and Recovery Act of 2009 (all provisions) S. 414, the Credit Card Accountability Responsibility and Disclosure Act of 2009 (all provisions) S. 895, the Helping Families Save Their Homes Act of 2009 (all provisions) S. 896, the Helping Families Save Their Homes Act of 2009 (all provisions, proposed amendment on farm loan restructuring) S. 1212, the Credit Card Fair Fee Act of 2009 (all provisions). Administration Proposal to Restructure Financial Services Regulation (all provisions) H.R. 627, the Credit Cardholders' Bill of Rights Act of 2009 (all provisions) H.R. 1020, the Arbitration Fairness Act (provisions restricting arbitration clauses in contracts) H.R. 1106, the Helping Families Save Their Homes Act of 2009 (all provisions) H.R. 1214, the Payday Loan Reform Act of 2009 (all provisions) H.R. 1456, the Consumer Overdraft Protection Fair Practices Act (all provisions) H.R. 1479, the Community Reinvestment Modernization Act of 2009 H.R. 1728, the Mortgage Reform and Anti-Predatory Lending Act (all provisions) H.R. 1748, the Fight Fraud Act of 2009 (all provisions) H.R. 2309, the Consumer Credit and Debt Protection Act (provisions to grant the FTC expedited rulemaking authority and authority to obtain civil penalties in connection with unfair and deceptive acts or practices) H.R. 2382, the Credit Card Interchange Fees Act of 2009 (all provisions) H.R. 2695, the Credit Card Fair Fee Act of 2009 (all provisions) H.R. 2893, Money Services Business Act of 2009 Consumer Financial Protection Agency Act of 2009 FDIC Special Assessment

H.R. 2221, the Data Accountability and Trust Act (all data protection and notice requirement provisions) Consumer Financial Protection Agency Act of 2009

H.R. 1388, Generations Invigorating Volunteerism and Education (GIVE) Act (Crapo amendment to increase FDIC borrowing authority) FDIC Premium Assessment Issues FDIC Special Assessment

S.J. Res. 5, joint resolution relating to the disapproval of obligations under the Emergency Economic Stabilization Act of 2008 S. 360, the Cap Executive Officer Pay Act of 2009 (all provisions) S. 356, the Community Choice in Real Estate Act (all provisions) S. 383, the Special Inspector General for the Troubled Asset Relief Program Act of 2009 S. 651, the Compensation Fairness Act of 2009 (all provisions) H.R. 384, the TARP Reform and Accountability Act of 2009 (all provisions) H.R. 1575, the End Government Reimbursement of Excessive Executive Disbursements (End GREED) Act (all provisions) H.R. 1664, To amend the executive compensation provisions of the Emergency Economic Stabilization Act of 2008 to prohibit unreasonable and excessive compensation and compensation not based on performance standards. Proposed Legislation to Lift Credit Union Business Lending Cap Treasury Proposal to Create a Systemic Risk Regulator Treasury Proposal to Purchase Toxic Assets Troubled Asset Relief Program (loss analysis, tax numbers)

S. 1, the American Recovery and Reinvestment Act of 2009 (executive compensation restrictions, SBA loan program provisions, municipal bonds cap increase, New Markets Tax Credit provision, Homebuyer tax credit provision, Net operating loss carryback provision) H.R. 1, the American Recovery and Reinvestment Act of 2009 (executive compensation restrictions, SBA loan program provisions, municipal bonds cap increase, New Markets Tax Credit provision, Homebuyer tax credit provision, Net operating loss carryback provision) H.R. 598, the American Recovery and Reinvestment Tax Act of 2009

S.J. Res. 5, joint resolution relating to the disapproval of obligations under the Emergency Economic Stabilization Act of 2008 S. 360, the Cap Executive Officer Pay Act of 2009 (all provisions) S. 356, the Community Choice in Real Estate Act (all provisions) S. 383, the Special Inspector General for the Troubled Asset Relief Program Act of 2009 S. 651, the Compensation Fairness Act of 2009 (all provisions) H.R. 384, the TARP Reform and Accountability Act of 2009 (all provisions) H.R. 1575, the End Government Reimbursement of Excessive Executive Disbursements (End GREED) Act (all provisions) H.R. 1664, To amend the executive compensation provisions of the Emergency Economic Stabilization Act of 2008 to prohibit unreasonable and excessive compensation and compensation not based on performance standards. Proposed Legislation to Lift Credit Union Business Lending Cap Treasury Proposal to Create a Systemic Risk Regulator Treasury Proposal to Purchase Toxic Assets Troubled Asset Relief Program (loss analysis, tax numbers)

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

H.R. 2895, the National Affordable Housing Trust Fund Act (all provisions) H.R. 5818, the Neighborhood Stabilization Act of 2008 (all provisions) H.R. 5830, the FHA Housing Stabilization and Homeownership Retention Act of 2008 (all provisions) H.R. 6694, the FHA Seller-Financed Downpayment Reform and Risk-Based Pricing Authorization Act of 2008 (all provisions) Housing and mortgage market policies Proposed Dept. of Housing and Urban Development rule to amend the Real Estate Settlement Procedures Act (RESPA)

S. 2133, the Home Owners Mortgage and Equity Savings (HOMES) Act (provisions regarding the treatment of primary mortgages during bankruptcy) S. 2136, the Helping Families Save Their Homes in Bankruptcy Act of 2007 (provisions regarding the treatment of primary mortgages during bankruptcy) S. 3197, the National Guard and Reservists Debt Relief Act of 2008 (bankruptcy means test provision) H.R. 3609, the Emergency Home Ownership and Mortgage Equity Protection Act of 2007 (all provisions) H.R. 4044, the National Guard and Reservists Debt Relief Act of 2008 (bankruptcy means test provision) Changes to bankruptcy treatment of primary mortgages, proposed for inclusion in the Emergency Economic Stabilization Act of 2008

H.R. 5140, the Economic Stimulus Act of 2008 (all provisions, including tax rebates, increased conforming loan limits, temporary bonus deduction on business equipment, Section 179 expensing provisions). ABA Economic Advisory Committee met with Fed Chairman Ben Bernanke & Fed Governors Testified before House subcommittee on the effects of credit availability on the commercial real estate market

S. 869, the Compete Act of 2007 (all provisions) S. 1356, the Industrial Bank Holding Company Act of 2007 (all provisions) S. 2957, the Credit Union Regulatory Improvements Act (all provisions) H.Con. Res. 140, the Financial Services Diversity Initiative (all provisions) S. 3254, To amend the Internal Revenue Code of 1986 to allow banks to be taxed as limited liability companies, and for other purposes (all provisions) HR. 323, the Seasoned Customer CTR Exemption Act of 2007 (all provisions) H.R. 698, the Industrial Bank Holding Company Act of 2007 (all provisions) H.R. 755, the Promoting Transparency in Financial Reporting Act of 2007 (all provisions) H.R. 1171, the Money Market Fund Parity Act of 2007 (all provisions) H.R. 1257, the Shareholder Vote on Executive Compensation Act (all provisions) H.R. 1424, the Emergency Economic Stabilization Act of 2008 (all provisions, including Treasury asset-purchase proposal, business tax provisions, FDIC coverage, SEC rules, accounting provisions, revenue offsets, GSE preferred stock tax accounting rules, proposed bankruptcy provisions) H.R.1508, the Compete Act of 2007 (all provisions) H.R. 1537, the Credit Union Regulatory Improvements Act (all provisions) H.R. 1869, the Communities First Act (all provisions) H.R. 1967, the Financial Privacy Notice Relief Act of 2007 (all provisions) H.R. 2547, the FDIC Enforcement Enhancement Act (all provisions) H.R. 2727, the Small Business SOX Compliance Extension Act (all provisions) H.R. 3013, the Affordable Financial Services Enhancement Act (all provisions) H.R. 3997, the Emergency Economic Stabilization Act of 2008 (all provisions, including Treasury asset-purchase proposal, SEC rules, accounting provisions, GSE preferred stock tax accounting rules, proposed bankruptcy provisions) H.R. 4043, the Preserving and Expanding Minority Depository Institutions Act (all provisions) H.R. 5519, the Credit Union Regulatory Relief Act of 2008 (all provisions) H.R. 6312, the Credit Union, Bank, and Thrift Regulatory Relief Act of 2008 (all provisions) H.R. 6659, the Equal Treatment of Covered Bonds Act of 2008 (all provisions) Proposals regarding 500-shareholder threshold for SEC registration under Sarbanes-Oxley Acts Section 404 Banking Committee draft legislation on industrial loan company (ILC) regulation Regulation Z proposal intended to curb subprime mortgage abuses

S. 163, Small Business Disaster Response and Loan Improvements Act of 2007 (all provisions) S. 413, Community Choice in Real Estate Act (all provisions) S. 869, The COMPETE Act of 2007 (all provisions) S. 927, Catastrophe Savings Accounts Act of 2007 (all provisions) S. 1176, the Credit Card Minimum Payment Warning Act (all provisions) S. 1299, Borrowers Protection Act of 2007 (all provisions) S. 1309, the Universal Default Prohibition Act of 2007 To amend the Truth in Lending Act to prohibit universal defaults on credit card accounts S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007 (all provisions) S. 2036, the Protecting Access to Safe Mortgages Act (all provisions) S. 2169, the Promoting Refinancing Opportunities for Mortgages Impacted by the Subprime Emergency Act of 2007 (all provisions) S. 2452, the Home Ownership Preservation and Protection Act of 2007 (all provisions) S. 2636, the Foreclosure Prevention Act of 2008 (all provisions, including mortgage-bankruptcy, credit counseling, adjustments to mortgage bonds, and net operating loss carry-back provisions) S. 2753, the Credit Card Reform Act of 2008 (all provisions) S. 2957, the Credit Union Regulatory Improvements Act of 2007 (all provisions) S. 3086, the Credit Card Fair Fee Act of 2008 (all provisions) S. 3252, the Credit CARD Act of 2008 (all provisions) S. 3287, the Protecting Consumers from Unreasonable Credit Rates Act of 2008 (all provisions) H.Res. 526, expressing the sense of the House that Government action should be taken that protects buyers from unscrupulous mortgage brokers and lenders H.R. 41, the Business Checking Fairness Act of 2007 (all provisions) H.R. 111, the Community Choice in Real Estate Act (all provisions) H.R. 873, the Credit Card Payment Fee Act of 2007 To amend the Truth in Lending Act to prohibit fees by creditors for payments on credit card accounts by electronic fund transfers Proposed Fair Credit for Families legislation to create a Financial Product Safety Commission, establish a 30 percent cap on annual credit card interest rates, require clearer disclosures on credit card terms and fees, and provide more funds to promote financial literacy. H.R. 946, the Consumer Overdraft Protection Fair Practices Act To extend the protections of the Truth in Lending Act to overdraft protection programs and services provided by depository institutions H.R. 1066, the Depository Institution Community Development Investments Enhancement Act (all provisions) H.R. 1314, the Photo Identification Security Act (all provisions) H.R. 1361, the Relief for Entrepreneurs: Coordination of Objectives and Values for Effective Recovery Act of 2007 (RECOVER Act) (all provisions) H.R. 1461, the Consumer Credit Protection Act (all provisions) H.R. 1508, the Compete Act of 2007 (all provisions) H.R. 1510, the Credit Card Repayment Act of 2007 (all provisions) H.R. 1515, the Housing and Community Development Act of 1974 to treat certain communities as metropolitan cities for purposes of the community development block grant program (all provisions) H.R. 1787, the Catastrophe Savings Accounts Act of 2007 (all provisions) H.R. 1849, the Credit Union Small Business Lending Act (all provisions) H.R. 2146, the Universal Default Prohibition Act of 2007 To amend the Truth in Lending Act to prohibit universal defaults on credit card accounts H.R. 2911, the Electronic Funds Transfer Equal Consumer Protection Act (all provisions) H.R. 3012, the Fair Mortgage Practices Act of 2007 (all provisions) H.R. 3221, the American Housing Rescue and Foreclosure Prevention Act of 2008 (all provisions) H.R. 3526, to include all banking agencies within the existing regulatory authority under the Federal Trade Commission Act with respect to depository institutions (all provisions) H.R. 3837, the Escrow, Appraisal, and Mortgage Servicing Improvements Act (all provisions H.R. 3838, to temporarily increase the portfolio caps applicable to Freddie Mac and Fannie Mae, to provide the necessary financing to curb foreclosures by facilitating the refinancing of at-risk subprime borrowers into safe, affordable loans (all provisions) H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007 (all provisions) H.R. 4049, the Money Service Business Act of 2007 (all provisions) H.R. 5244, the Credit Cardholders Bill of Rights Act of 2008 (all provisions) H.R. 5546, the Credit Card Fair Fee Act of 2008 (all provisions) H.R. 5633, the Nondiscriminatory Use of Consumer Reports and Consumer Information Act of 2008 (all provisions to modify the Fair Credit Reporting Act) Proposals to address anticipated mortgage foreclosures Proposals to address predatory lending practices in the subprime mortgage market Proposal to freeze interest rates on certain subprime mortgage loans Frank-Schumer GSE cap increase bill Dodd-Frank proposed foreclosure prevention legislation that would provide federal funds to state housing authorities for buying foreclosed properties and Federal Housing Administration guarantees for refinancing distressed mortgages. Frank proposal to create a financial services risk regulator. Discussions of reform of Anti-Money-Laundering programs. General proposals to restructure the financial services regulatory structure. Deposit insurance policies. Programs to bring people into the financial mainstream. Bank examination practices and policies. Proposal regarding garnishment of federal benefits payments. Prepared for meeting with Senate staff on the health of the industry, housing and FDIC. Fannie Mae and Freddie Mac preferred stock issues. H.R. 6871, the Expedited Funds Availability Dollar Limits Adjustment Act of 2008 H.R. 7326, the Systematic Foreclosure Prevention and Mortgage Modification Act (to establish a systematic mortgage modification program at the FDIC) (all provisions)

H.R. 5140, the Economic Stimulus Act of 2008 (all provisions, including tax rebates, increased conforming loan limits, temporary bonus deduction on business equipment, Section 179 expensing provisions) H.R. 7321, the Auto Industry Financing and Restructuring Act (amendment to require that reports filed on any lending assistance provided to an insured depository institution under the Troubled Assets Relief Program or the Emergency Economic Stabilization Act include the amount of any increase or decrease in new lending attributed to that assistance) ABA Economic Advisory Committee met with Fed Chairman Ben Bernanke & Fed Governors Proposed economic stimulus legislation (all business-related tax provisions)

S. 869, the Compete Act of 2007 (all provisions) S. 1356, the Industrial Bank Holding Company Act of 2007 (all provisions) S. 2957, the Credit Union Regulatory Improvements Act (all provisions) H.Con. Res. 140, the Financial Services Diversity Initiative (all provisions) S. 3254, To amend the Internal Revenue Code of 1986 to allow banks to be taxed as limited liability companies, and for other purposes (all provisions) HR. 323, the Seasoned Customer CTR Exemption Act of 2007 (all provisions) H.R. 698, the Industrial Bank Holding Company Act of 2007 (all provisions) H.R. 755, the Promoting Transparency in Financial Reporting Act of 2007 (all provisions) H.R. 1171, the Money Market Fund Parity Act of 2007 (all provisions) H.R. 1257, the Shareholder Vote on Executive Compensation Act (all provisions) H.R. 1424, the Emergency Economic Stabilization Act of 2008 (all provisions, including Treasury asset-purchase proposal, business tax provisions, FDIC coverage, SEC rules, accounting provisions, revenue offsets, GSE preferred stock tax accounting rules, proposed bankruptcy provisions) H.R.1508, The COMPETE Act of 2007 (all provisions) H.R. 1537, the Credit Union Regulatory Improvements Act (all provisions) H.R. 1869, the Communities First Act (all provisions) H.R. 1967, the Financial Privacy Notice Relief Act of 2007 (all provisions) H.R. 2547, the FDIC Enforcement Enhancement Act (all provisions) H.R. 2727, the Small Business SOX Compliance Extension Act (all provisions) H.R. 3013, the Affordable Financial Services Enhancement Act (all provisions) H.R. 3997, the Emergency Economic Stabilization Act of 2008 (all provisions, including Treasury asset-purchase proposal, SEC rules, accounting provisions, GSE preferred stock tax accounting rules, proposed bankruptcy provisions) H.R. 4043, the Preserving and Expanding Minority Depository Institutions Act (all provisions) H.R. 5519, the Credit Union Regulatory Relief Act of 2008 (all provisions) H.R. 6312, the Credit Union, Bank, and Thrift Regulatory Relief Act of 2008 (all provisions) H.R. 6659, the Equal Treatment of Covered Bonds Act of 2008 (all provisions) Proposals regarding 500-shareholder threshold for SEC registration under Sarbanes-Oxley Acts Section 404 Banking Committee draft legislation on industrial loan company (ILC) regulation Regulation Z proposal intended to curb subprime mortgage abuses

S. 2133, the Home Owners Mortgage and Equity Savings (HOMES) Act (provisions regarding the treatment of primary mortgages during bankruptcy) S. 2136, the Helping Families Save Their Homes in Bankruptcy Act of 2007 (provisions regarding the treatment of primary mortgages during bankruptcy) S. 3197, the National Guard and Reservists Debt Relief Act of 2008 (bankruptcy means test provision) H.R. 3609, the Emergency Home Ownership and Mortgage Equity Protection Act of 2007 (all provisions) H.R. 4044, the National Guard and Reservists Debt Relief Act of 2008 (bankruptcy means test provision) Changes to bankruptcy treatment of primary mortgages, proposed for inclusion in the Emergency Economic Stabilization Act of 2008

S. 869, the Compete Act of 2007 (all provisions) S. 1356, the Industrial Bank Holding Company Act of 2007 (all provisions) S. 2957, the Credit Union Regulatory Improvements Act (all provisions) H.Con. Res. 140, the Financial Services Diversity Initiative (all provisions) S. 3254, To amend the Internal Revenue Code of 1986 to allow banks to be taxed as limited liability companies, and for other purposes (all provisions) HR. 323, the Seasoned Customer CTR Exemption Act of 2007 (all provisions) H.R. 698, the Industrial Bank Holding Company Act of 2007 (all provisions) H.R. 755, the Promoting Transparency in Financial Reporting Act of 2007 (all provisions) H.R. 1171, the Money Market Fund Parity Act of 2007 (all provisions) H.R. 1257, the Shareholder Vote on Executive Compensation Act (all provisions) H.R. 1424, the Emergency Economic Stabilization Act of 2008 (all provisions, including Treasury asset-purchase proposal, business tax provisions, FDIC coverage, SEC rules, accounting provisions, revenue offsets, GSE preferred stock tax accounting rules, proposed bankruptcy provisions) H.R.1508, the Compete Act of 2007 (all provisions) H.R. 1537, the Credit Union Regulatory Improvements Act (all provisions) H.R. 1869, the Communities First Act (all provisions) H.R. 1967, the Financial Privacy Notice Relief Act of 2007 (all provisions) H.R. 2547, the FDIC Enforcement Enhancement Act (all provisions) H.R. 2727, the Small Business SOX Compliance Extension Act (all provisions) H.R. 3013, the Affordable Financial Services Enhancement Act (all provisions) H.R. 3997, the Emergency Economic Stabilization Act of 2008 (all provisions, including Treasury asset-purchase proposal, SEC rules, accounting provisions, GSE preferred stock tax accounting rules, proposed bankruptcy provisions) H.R. 4043, the Preserving and Expanding Minority Depository Institutions Act (all provisions) H.R. 5519, the Credit Union Regulatory Relief Act of 2008 (all provisions) H.R. 6312, the Credit Union, Bank, and Thrift Regulatory Relief Act of 2008 (all provisions) H.R. 6659, the Equal Treatment of Covered Bonds Act of 2008 (all provisions) Proposals regarding 500-shareholder threshold for SEC registration under Sarbanes-Oxley Acts Section 404 Banking Committee draft legislation on industrial loan company (ILC) regulation Regulation Z proposal intended to curb subprime mortgage abuses

S. 163, Small Business Disaster Response and Loan Improvements Act of 2007 (all provisions) S. 413, Community Choice in Real Estate Act (all provisions) S. 869, the Compete Act of 2007 (all provisions) S. 927, Catastrophe Savings Accounts Act of 2007 (all provisions) S. 1176, the Credit Card Minimum Payment Warning Act (all provisions) S. 1299, Borrowers Protection Act of 2007 (all provisions) S. 1309, the Universal Default Prohibition Act of 2007 To amend the Truth in Lending Act to prohibit universal defaults on credit card accounts S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007 (all provisions) S. 2036, the Protecting Access to Safe Mortgages Act (all provisions) S. 2169, the Promoting Refinancing Opportunities for Mortgages Impacted by the Subprime Emergency Act of 2007 (all provisions) S. 2452, the Home Ownership Preservation and Protection Act of 2007 (all provisions) S. 2636, the Foreclosure Prevention Act of 2008 (all provisions, including mortgage-bankruptcy, credit counseling, adjustments to mortgage bonds, and net operating loss carry-back provisions) S. 2753, the Credit Card Reform Act of 2008 (all provisions) H.Res. 526, expressing the sense of the House that Government action should be taken that protects buyers from unscrupulous mortgage brokers and lenders H.R. 41, the Business Checking Fairness Act of 2007 (all provisions) H.R. 111, the Community Choice in Real Estate Act (all provisions) H.R. 873, the Credit Card Payment Fee Act of 2007 To amend the Truth in Lending Act to prohibit fees by creditors for payments on credit card accounts by electronic fund transfers Proposed Fair Credit for Families legislation to create a Financial Product Safety Commission, establish a 30 percent cap on annual credit card interest rates, require clearer disclosures on credit card terms and fees, and provide more funds to promote financial literacy. H.R. 946, the Consumer Overdraft Protection Fair Practices Act To extend the protections of the Truth in Lending Act to overdraft protection programs and services provided by depository institutions H.R. 1066, the Depository Institution Community Development Investments Enhancement Act (all provisions) H.R. 1314, the Photo Identification Security Act (all provisions) H.R. 1361, the Relief for Entrepreneurs: Coordination of Objectives and Values for Effective Recovery Act of 2007 (RECOVER Act) (all provisions) H.R. 1461, the Consumer Credit Protection Act (all provisions) H.R. 1508, the Compete Act of 2007 (all provisions) H.R. 1510, the Credit Card Repayment Act of 2007 (all provisions) H.R. 1515, the Housing and Community Development Act of 1974 to treat certain communities as metropolitan cities for purposes of the community development block grant program (all provisions) H.R. 1787, the Catastrophe Savings Accounts Act of 2007 (all provisions) H.R. 1849, the Credit Union Small Business Lending Act (all provisions) H.R. 2146, the Universal Default Prohibition Act of 2007 To amend the Truth in Lending Act to prohibit universal defaults on credit card accounts H.R. 2911, the Electronic Funds Transfer Equal Consumer Protection Act (all provisions) H.R. 3012, the Fair Mortgage Practices Act of 2007 (all provisions) H.R. 3221, the American Housing Rescue and Foreclosure Prevention Act of 2008 (all provisions) H.R. 3526, to include all banking agencies within the existing regulatory authority under the Federal Trade Commission Act with respect to depository institutions (all provisions) H.R. 3837, the Escrow, Appraisal, and Mortgage Servicing Improvements Act (all provisions H.R. 3838, to temporarily increase the portfolio caps applicable to Freddie Mac and Fannie Mae, to provide the necessary financing to curb foreclosures by facilitating the refinancing of at-risk subprime borrowers into safe, affordable loans (all provisions) H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007 (all provisions) H.R. 4049, the Money Service Business Act of 2007 (all provisions) H.R. 5244, the Credit Cardholders Bill of Rights Act of 2008 (all provisions) H.R. 5546, the Credit Card Fair Fee Act of 2008 (all provisions) H.R. 5633, the Nondiscriminatory Use of Consumer Reports and Consumer Information Act of 2008 (all provisions to modify the Fair Credit Reporting Act) Proposals to address anticipated mortgage foreclosures Proposals to address predatory lending practices in the subprime mortgage market Proposal to freeze interest rates on certain subprime mortgage loans Frank-Schumer GSE cap increase bill Dodd-Frank proposed foreclosure prevention legislation that would provide federal funds to state housing authorities for buying foreclosed properties and Federal Housing Administration guarantees for refinancing distressed mortgages. Frank proposal to create a financial services risk regulator. Hearing testimony on credit card lending to students Discussions of reform of Anti-Money-Laundering programs. General proposals to restructure the financial services regulatory structure. Deposit insurance policies. Programs to bring people into the financial mainstream. Bank examination practices and policies. Proposal regarding garnishment of federal benefits payments. Financial Education Teaching Children to Save program

H.R. 2895, the National Affordable Housing Trust Fund Act (all provisions)

S. 2133, the Home Owners Mortgage and Equity Savings (HOMES) Act (provisions regarding the treatment of primary mortgages during bankruptcy) S. 2136, the Helping Families Save Their Homes in Bankruptcy Act of 2007 (provisions regarding the treatment of primary mortgages during bankruptcy) H.R. 3609, the Emergency Home Ownership and Mortgage Equity Protection Act of 2007 (all provisions)

H.R. 5140, the Economic Stimulus Act of 2008 (all provisions, including tax rebates, increased conforming loan limits, temporary bonus deduction on business equipment, Section 179 expensing provisions)

S. 2133, the Home Owners Mortgage and Equity Savings (HOMES) Act (provisions regarding the treatment of primary mortgages during bankruptcy) S. 2136, the Helping Families Save Their Homes in Bankruptcy Act of 2007 (provisions regarding the treatment of primary mortgages during bankruptcy) H.R. 3609, the Emergency Home Ownership and Mortgage Equity Protection Act of 2007 (all provisions)

H.R. 2895, the National Affordable Housing Trust Fund Act (all provisions)

H.R. 5140, the Economic Stimulus Act of 2008 (all provisions, including tax rebates, increased conforming loan limits, temporary bonus deduction on business equipment, Section 179 expensing provisions)

S. 1145, the Patent Reform Act of 2007 (all provisions) H.R. 1908, the Patent Reform Act of 2007 (all provisions)

H.R. 2985, the National Affordable Housing Trust Fund Act (all provisions)

S. 163, Small Business Disaster Response and Loan Improvements Act of 2007 (all provisions) S. 413, Community Choice in Real Estate Act (all provisions)

Pending regulatory proposals on Sarbanes-Oxley Act Section 404 accounting and auditing rules

S. 1141, the Automatic IRA Act of 2007 (all provisions) H.R. 2167, the Automatic IRA Act of 2007 (all provisions)

S. 1782, the Arbitration Fairness Act of 2007 (all provisions) H.R. 3010, the Arbitration Fairness Act of 2007 (all provisions)

S. 286, the Rural Economic Investment Act of 2007 (all provisions) H.R. 833, the Rural Communities Investment Act of 2007 (all provisions)

S. 1843, the Fair Pay Restoration Act H.R. 2831, the Lilly Ledbetter Fair Pay Act of 2007

S. 869, the Compete Act of 2007 (all provisions) S. 1356, the Industrial Bank Holding Company Act of 2007 (all provisions)

H.R. 1332, the Small Business Lending Improvements Act of 2007 (all provisions) H.R. 3866, the Small Business Programs Act of 2007 (provisions relating to SBA's 7(a) loan program)

H.R. 6, the Renewable Fuels, Consumer Protection, and Energy Efficiency Act of 2007 (S. Amdt. 1704, tax title provisions)

S. Con. Res. 21, fiscal year 2008 budget resolution (credit card payments reporting proposal, tax gap provisions) H.J. Res. 20, omnibus appropriations and continuing resolution (all provisions, including proposed amendment concerning competitiveness of U.S. financial services industry)

S. 239, the Notification of Risk to Personal Data Act of 2007 (all provisions) S. 495, the Personal Data Privacy and Security Act of 2007 (all provisions)

H.R. 3609, the Emergency Home Ownership and Mortgage Equity Protection Act of 2007 (all provisions)

S. 1, the Ethics Reform Bill (lobbying disclosure, grassroots advocacy provisions) S. 1100, the Federal Housing Finance Reform Act of 2007 (all provisions)

S. 359, the Student Debt Relief Act (interest rate, lender support, loan guarantee provisions) S. 1642, the Higher Education Amendments Act of 2007 (lender disclosure provisions)

S. 40, the National Insurance Act (all provisions) S. 926, the Policyholder Disaster Protection Act of 2007 (allowing insurance companies to make tax deductible contributions to a tax-exempt policyholder disaster protection fund)

P.L. No. 110-28, the U.S. Troop Readiness, Veterans' Care, Katrina Recovery, and Iraq Accountability Appropriations Act, 2007 (tax preparer standards provision, "kiddie" tax provision) S. 601, the Simplification Through Additional Reporting Tax Act of 2007

S. 1145, the Patent Reform Act of 2007. (all provisions) H.R. 2365, to amend title 35, United States Code, to limit damages and other remedies with respect to patents for tax planning methods. (all provisions)

H.R. 1332, the Small Business Lending Improvements Act of 2007. (all provisions) Small Business Administration (SBA) proposal to reduce the 7(a) loan program’s annual fee.

H.R. 6, the Renewable Fuels, Consumer Protection, and Energy Efficiency Act of 2007. (S.Amdt. 1704, tax title provisions)

H.Res. 6, the Ethics Reform Resolution. (lobbying disclosure, grassroots advocacy provisions) H.R. 964, the Securely Protect Yourself Against Cyber Trespass Act. (analysis) H.R. 1427, the Federal Housing Finance Reform Act of 2007. (all provisions) H.R. 1852, the Expanding American Homeownership Act of 2007. (all provisions) H.R. 2316, the Honest Leadership and Open Government Act of 2007. (all provisions) H.R. 2317, the Lobbying Transparency Act of 2007. (enhanced disclosure provisions) S. 1, the Ethics Reform Bill. (lobbying disclosure, grassroots advocacy provisions) S. 1100, the Federal Housing Finance Reform Act of 2007. (all provisions)

S. 1141, the Automatic IRA Act of 2007. (all provisions) H.R. 2167, the Automatic IRA Act of 2007. (all provisions) Pension Protection Act Implementation. 401(K) Fee Transparency.

S. 1843, the Fair Pay Restoration Act. H.R. 2831, the Lilly Ledbetter Fair Pay Act of 2007.

S. 2, the Fair Minimum Wage Act of 2007. (tax provisions) S. 601, the Simplification Through Additional Reporting Tax Act of 2007. S. 777, to repeal the imposition of withholding on certain payments made to vendors by government entities. S. 819, the Public Good IRA Rollover Act of 2007 - Amends the Internal Revenue Code to exclude from gross income distributions from individual retirement accounts for certain charitable purposes. S. 940, to amend the Internal Revenue Code of 1986 to permanently extend the subpart F exemption for active financing income. (all provisions) S. 1624, A bill to amend the Internal Revenue Code of 1986 to provide that the exception from the treatment of publicly traded partnerships as corporations for partnerships with passive-type income shall not apply to partnerships directly or indirectly deriving income from providing investment adviser and related asset management services. (all provisions) S. 1726, the Business Activity Tax Simplification Act. (all provisions) H.R. 6, the Renewable Fuels, Consumer Protection, and Energy Efficiency Act of 2007. (S.Amdt. 1704, tax title provisions) H.R. 976, the Small Business Tax Relief Act of 2007. (all provisions) H.R. 1419, the Public Good IRA Rollover Act or 2007 - Amends the Internal Revenue Code to exclude from gross income distributions from individual retirement accounts for certain charitable purposes. H.R. 1509, to amend the Internal Revenue Code of 1986 to permanently extend the subpart F exemption for active financing income. (all provisions) H.R. 1677, the Taxpayer Protection Act of 2007. (refund anticipation loan provisions) H.R. 1023, to repeal the impositions of withholding on certain payments made to vendors by government entities. H.R. 2370, to amend the Internal Revenue Code of 1986 to provide for the establishment of financial security accounts for the care of family members with disabilities. H.R. 2834, to amend the Internal Revenue Code of 1986 to treat income received by partners for performing investment management services as ordinary income received for the performance of services. Draft legislation on Basis Reporting. Credit Card Information Reporting. Codification of the Economic Substance Doctrine.

H.Con. Res. 140, the Financial Services Diversity Initiative. (all provisions) HR. 323, the Seasoned Customer CTR Exemption Act of 2007. (all provisions) H.R. 698, the Industrial Bank Holding Company Act of 2007. (all provisions) H.R. 755, the Promoting Transparency in Financial Reporting Act of 2007. (all provisions) H.R. 1171, the Money Market Fund Parity Act of 2007. (all provisions) H.R. 1257, the Shareholder Vote on Executive Compensation Act. (all provisions) H.R.1508, the Competitive and Open Markets that Protect and Enhance the Treatment of Entrepreneurs Act of 2007. (all provisions) H.R. 1537, the Credit Union Regulatory Improvements Act. (all provisions) H.R. 1869, the Communities First Act. (all provisions) H.R. 1967, the Financial Privacy Notice Relief Act of 2007. (all provisions) H.R. 2547, the FDIC Enforcement Enhancement Act. (all provisions) H.R. 2727, the Small Business SOX Compliance Extension Act. (all provisions) Proposals regarding 500-shareholder threshold for SEC registration under Sarbanes-Oxley Act’s Section 404. Proposals regarding Elimination of Soft Dollars. S. 869, the Competitive and Open Markets that Protect and Enhance the Treatment of Entrepreneurs Act of 2007. (all provisions) S. 1356, the Industrial Bank Holding Company Act of 2007. (all provisions)

Pending regulatory proposals on Sarbanes-Oxley Act Section 404 accounting rules.

S.Con. Res. 21, fiscal year 2008 budget resolution. (credit card payments reporting proposal, tax gap provisions) H.J. Res. 20, omnibus appropriations and continuing resolution. (all provisions, including proposed amendment concerning competitiveness of U.S. financial services industry) H.Con. Res. 99, fiscal year 2008 budget resolution. (credit card payments reporting proposal, tax gap provisions) H.R. 1591, supplemental Defense appropriations legislation. (tax provisions) H.R. 2206, supplemental Defense appropriations legislation. (tax provisions) H.R. 2829, fiscal year 2008 Financial Services appropriations bill. (Treasury real estate proposal provisions, restrictions on SEC enforcement of Section 404 for non-accelerated filers)

S. 1610, the Foreign Investment and National Security Act of 2007. (all provisions) H.R. 556, the Foreign Investment and National Security Act of 2007. (all provisions)

S. 163, Small Business Disaster Response and Loan Improvements Act of 2007. (all provisions) S. 413, Community Choice in Real Estate Act. (all provisions) S. 869, the Competitive and Open Markets that Protect and Enhance the Treatment of Entrepreneurs Act of 2007. (all provisions) S. 927, Catastrophe Savings Accounts Act of 2007. (all provisions) S. 1176, the Credit Card Minimum Payment Warning Act. (all provisions) S. 1299, Borrower’s Protection Act of 2007. (all provisions) S. 1309, the Universal Default Prohibition Act of 2007 – To amend the Truth in Lending Act to prohibit universal defaults on credit card accounts. S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007. (all provisions) H.R. 2, the Small Business and Work Opportunity Act of 2007. (Statement for the record) H.R. 41, the Business Checking Fairness Act of 2007. (all provisions) H.R. 111, the Community Choice in Real Estate Act. (all provisions) H.R. 873, the Credit Card Payment Fee Act of 2007 – To amend the Truth in Lending Act to prohibit fees by creditors for payments on credit card accounts by electronic fund transfers. (all provisions) H.R. 890, the Student Loan Sunshine Act. (all provisions) HR 946, the Consumer Overdraft Protection Fair Practices Act – To extend the protections of the Truth in Lending Act to overdraft protection programs and services provided by depository institutions. H.R. 1066, the Depository Institution Community Development Investments Enhancement Act. (all provisions) H.R. 1314, the Photo Identification Security Act. (all provisions) H.R. 1361, the Relief for Entrepreneurs: Coordination of Objectives and Values for Effective Recovery Act of 2007. (RECOVER Act) (all provisions) H.R. 1461, the Consumer Credit Protection Act. (all provisions) H.R. 1508, the Competitive and Open Markets that Protect and Enhance the Treatment of Entrepreneurs Act of 2007. (all provisions) H.R. 1510, the Credit Card Repayment Act of 2007. (all provisions) H.R. 1515, to amend the Housing and Community Development Act of 1974 to treat certain communities as metropolitan cities for purposes of the community development block grant program. (all provisions) H.R. 1787, the Catastrophe Savings Accounts Act of 2007. (all provisions) H.R. 1849, the Credit Union Small Business Lending Act. (all provisions) H.R. 2146, the Universal Default Prohibition Act of 2007 – To amend the Truth in Lending Act to prohibit universal defaults on credit card accounts. Proposals to address anticipated mortgage foreclosures. Proposals to address predatory lending practices in the subprime mortgage market. Private Student Loan Transparency and Improvement Act. (draft proposal) Statement for the record on credit cards, before the Senate Banking Committee. Statement for the record on credit cards and the payment card industry, before the House Financial Services Committee. Statement for the record on the effectiveness of disaster lending by the Small Business Administration in the aftermath of the Hurricanes Katrina, before the House Small Business Committee. Statement for the record on the Suspicious Activity Report process and Bank Secrecy Act compliance requirements, before the House Financial Services Committee.

S. 239, the Notification of Risk to Personal Data Act of 2007. (all provisions) S. 495, the Personal Data Privacy and Security Act of 2007. (all provisions) S. 618, the Insurance Industry Competition Act of 2007. (all provisions) S. 1178, the Identity Theft Prevention Act. S. 1202, the Personal Data Protection Act of 2007. (all provisions) S. 1260, the Data Security Act of 2007. (all provisions) H.R. 837, the Internet Stopping Adults Facilitating the Exploitation of Today’s Youth Act (SAFETY) of 2007. (provisions concerning use of the electronic payments system) H.R. 948, the Social Security Number Protection Act. (all provisions) H.R. 958, the Data Accountability and Trust Act. (all provisions) H.R. 964, the Securely Protect Yourself Against Cyber Trespass Act. (all provisions) H.R. 1525, the Internet Spyware (I-SPY) Prevention Act of 2007. (all provisions) H.R. 2568, the Credit Agencies Identity Theft Responsibilities Act. (all provisions) H.R. 3046, the Social Security Number Privacy and Identity Theft Protection Act of 2007.

S. 4, the Improving America’s Security Act of 2007. (critical infrastructure protection and private-sector preparedness provisions) H.R. 1, the Improving America’s Security Act of 2007. (critical infrastructure protection and private-sector preparedness provisions)

S. 40, the National Insurance Act. (all provisions) S. 926, the Policyholder Disaster Protection Act of 2007. (allowing insurance companies to make tax deductible contributions to a tax-exempt policyholder disaster protection fund) S. 928, the Homeowners Protection Act of 2007. (creating a federal backstop for state natural catastrophe insurance programs) S. 929, the Nonadmitted and Reinsurance Reform Act. (all provisions) S. 930, the Hurricane and Tornado Mitigation Investment Act of 2007. (all provisions) S. 931, the National Hurricane Research Initiative Act of 2007. (all provisions) H.R. 1065, the Nonadmitted and Reinsurance Reform Act. (all provisions) H.R. 1682, the Flood Insurance Reform and Modernization Act of 2007. (all provisions) H.R. 1787, the Catastrophe Savings Accounts Act of 2007. (all provisions) H.R. 2761, the Extension of the Terrorism Risk Insurance Act. (all provisions)

H.R. 5252, the Communications Opportunity, Promotion, and Enhancement Act of 2006. (net neutrality provisions) H.R. 5417, the Internet Freedom and Nondiscrimination Act of 2006. (all net neutrality provisions)

H.R. 2795, the Patent Reform Act of 2005 – To amend title 35, United States Code, relating to the procurement, enforcement, and validity of patents. (all provisions)

Financial Literacy Testimony (no bill) – The ABA presented their views on what the federal government’s role should be to facilitate organization of private sector financial literacy programs to better enhance its effectiveness and make the public aware of their availability. H.R. 609, College Access and Opportunity Act of 2005 - To reauthorize the Higher Education Act. (student loan consolidation provisions) H.R. 5603, the Second Higher Education Extension Act of 2006. (all provisions)

H.R. 4320, the National Flood Insurance Program Commitment to Policyholders and Reform Act of 2005 – To restore the financial solvency of the national flood insurance program, and for other purposes. (all provisions) H.R. 4973, the Flood Insurance Reform and Modernization Act of 2006 – To restore the financial solvency of the national flood insurance program, and for other purposes. (all provisions) H.R. 5637, the Non-admitted and Reinsurance Reform Act of 2006 – To streamline the regulation of nonadmitted insurance and reinsurance, and for other purposes. (all provisions) H.R. 6225, the National Insurance Act of 2006. (provisions creating an Optional Federal Charter) S. 2509, the National Insurance Act of 2006. (provisions creating an Optional Federal Charter) S. 3589, the Flood Insurance Reform and Modernization Act of 2006 – To restore the financial solvency of the flood insurance fund.

S. 3549, the Foreign Investment and National Security Act of 2006. (all provisions to reauthorize and reform the Committee on Foreign Investment in the United States) S. 3938, Export-Import Bank Reauthorization Act of 2006. H.R. 5337, Reform of National Security Reviews of Foreign Direct Investments Act.

H.R. 111, the Community Choice in Real Estate Act – To amend the Bank Holding Company Act of 1956 and the Revised Statutes of the U. S. to prohibit financial holding companies and national banks from engaging in real estate brokerage or real estate management activities, and for other purposes. S. 98, the Community Choice in Real Estate Act – To amend the Bank Holding Company Act of 1956, and the Revised Statutes of the United States, to prohibit financial holding companies and national banks from engaging, directly or indirectly, in real estate brokerage or real estate management activities, and for other purposes. (provisions restricting banking activities)

(H.R. 1295 cont) to improve housing counseling, to better mortgage servicing, to enhance appraisal standards and oversight, to establish licensing and minimum standards for mortgage brokers, and for other purposes. (all provisions) H.R. 2892, the Reverse Mortgages to Help America’s Seniors Act – To amend section 255 of the National Housing Act to remove the limitation on the number of reverse mortgages that may be insured under the FHA mortgage insurance program for such mortgages. (all provisions) H.R. 3043, the Zero Downpayment Pilot Program Act of 2006 – To authorize the Secretary of Housing and Urban Development to carry out a pilot program to insure zero-downpayment mortgages for one-unit residences. (all provisions) H.R. 4100, the Louisiana Recovery Corporation Act – To establish the Louisiana Recovery Corporation for purposes of economic stabilization and redevelopment of devastated areas in Louisiana, and for other purposes. (all provisions) H.R. 4939, Emergency Supplemental Appropriations Act for Defense, the Global War on Terror, and Hurricane Recovery Act, 2006. (hurricane recovery, housing provisions, Community Development Block Grants amendment) H.R. 5039, the Saving America’s Rural Housing Act – To establish a program to revitalize rural multifamily housing assisted under the Housing Act of 1949. (all provisions) H.R. 5117 – To exempt persons with disabilities from the prohibition against providing section 8 rental assistance to college students. H.R. 5121, the Expanding American Homeownership Act of 2006 – To modernize and update the National Housing Act and enable the Federal Housing Administration to use risk-based pricing to more effectively reach underserved borrowers, and for other purposes. (all provisions) H.R. 5347, the HOPE VI Reauthorization Act of 2006. (all provisions) H.R. 5503, FHA Multifamily Loan Limit Adjustment Act of 2006. H.R. 1295, the Responsible Lending Act – To protect consumers against unfair and deceptive practices in connection with higher cost mortgage transactions, to strengthen the civil remedies available to consumers under existing law, to provide for certain uniform lending standards,

H.R. 5352, the Small Business Reauthorization Act of 2006. (Small Business Administration Loan Guaranty Program provisions) H.R. 5672, the Science, State, Justice, Commerce, and Related Agencies Appropriations Act for FY 2007. (Small Business Administration Loan Guaranty Program provisions) S. 1603, Small Business Lending Improvement Act of 2005 – To establish a National Preferred Lender Program, facilitate the delivery of financial assistance to small businesses, and for other purposes. (preferred lending program provisions) Fiscal year 2007 budget proposal for the State, Justice, and Commerce Departments. (Small Business Administration Loan Guaranty Program provisions)

H.R. 2862, the Science, State, Justice, Commerce, and Related Agencies Appropriations Act of 2006 (Internet gambling amendment) H.R. 3426, Preservation of Federalism in Banking Act - To clarify the extent to which national banks must comply with state consumer protection laws. H.R. 4954, Security and Accountability For Every Port Act. (Internet gambling provisions)

H.R. 1461, the Federal Housing Finance Reform Act of 2005 – To reform the regulation of certain housing-related Government-sponsored enterprises, and for other purposes. (all provisions) S. 190, the Federal Housing Enterprise Regulatory Improvements Act – To address the regulation of secondary mortgage market enterprises, and for other purposes. (all provisions) S. 3421, to authorize major medical facility projects and major medical facility leases for the Department of Veterans Affairs for fiscal years 2006 and 2007, and for other purposes. (data breach provisions) Rudman Report on Fannie Mae Internal Controls.

H.R. 3893, the Gasoline for America’s Security Act of 2005 – To expedite the construction of new refining capacity in the United States, to provide reliable and affordable energy for the American people, and for other purposes. (credit card interchange fees amendment)

Fiscal year 2007 Agriculture budget proposal. (FSA guaranteed farm lending program fee increases) H.R. 4939, the Emergency Supplemental Appropriations Act for Defense, the Global War on Terror, and Hurricane Recovery, 2006. (hurricane relief provisions) H.R. 5631, conference report for Department of Defense Appropriations Act, 2007. (continuing resolution provisions)

H.R. 1077, Realtime Investor Protection Act – To improve the access of investors to regulatory records with respect to securities brokers, dealers, and investment advisers. (all provisions) H.R. 2061, the Communities First Act – To enhance the ability of community banks to foster economic growth and serve their communities, and for other purposes. (all provisions) H.R. 2317, the Credit Union Regulatory Improvements Act – To modernize credit union net worth standards, advance credit union efforts to promote economic growth, and modify and ease credit union regulatory standards and burdens, and for other purposes. (all provisions) H.R. 2660, the Fair Choice and Competition in Real Estate Act – To amend the Bank Holding Company Act of 1956 to clarify that real estate brokerage activities and real estate management activities are authorized financial activities for financial holding companies and financial subsidiaries of national banks, and for other purposes. (all provisions) H.R. 3206, the Credit Union Choice Act – To amend the Federal Credit Union Act provisions relating to any conversion of a credit union charter to a mutual savings bank or savings association charter, and for other purposes. (provisions on remittances by financial institutions) Pub. L. No. 109-351, the Financial Services Regulatory Relief Act of 2005 – To provide regulatory relief and improve productivity for insured depository institutions, and for other purposes. (all provisions) H.R. 5746, Industrial Bank Holding Company Act of 2006. H.R. 6345 – To make a conforming amendment to the Federal Deposit Insurance Act with respect to examinations of certain insured depository institutions, and for other purposes. Pub. L. No. 109-40, Military Personnel Financial Services Protection Act – To amend the federal securities laws to address abuses involving periodic payment plans sold to military personnel. (all provisions) S. 1502, Preservation of Federalism in Banking Act – To clarify the extent to which national banks must comply with state consumer protection laws. Application of Wal-Mart for industrial loan company charter. Proposals to encourage implementation of Regulation B under the Gramm-Leach-Bliley Act. Proposals regarding adjusted basis reporting for securities brokers.

S. 256, the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 – To amend title 11 of the United States Code, and for other purposes. (all provisions)

H.Con. Res. 257 – Expressing the sense of the Congress with regard to a moratorium on the payment of principal or interest on certain mortgage loans, small business loans, and consumer loans for residents. H.Con. Res. 257 – Expressing the sense of the Congress with regard to a moratorium on the payment of principal or interest on certain mortgage loans, small business loans, and consumer loans for residents. Pub. L. No. 109-40, Military Personnel Financial Services Protection Act – To amend the federal securities laws to address abuses involving periodic payment plans sold to military personnel. (all provisions) H.R. 799, Consumer Checking Account Fairness Act – To amend the Expedited Funds Availability Act to redress imbalances between the faster withdrawals permitted under the Check 21 and the slower rates for crediting deposits, and for other purposes. H.R. 815, Financial Customer Identification Verification Improvement Act – To amend section 5318 of title 31, United States Code, to prohibit financial institutions from accepting matricula consular issued in the United States as a valid form of identification. (all provisions) H.R. 858, Identity Theft Penalty Enhancement Act – To amend Title 18, United State Code to establish penalties for aggravated identity theft, and for other purposes. (all provisions) H.R. 913, Broad-based Stock Option Plan Transparency Act – To direct the SEC to require enhanced disclosures of employee stock options and to require a study on the economic impact of broad-based employee stock option plans. H.R. 1208, College Student Credit Card Protection Act – To amend the Consumer Credit Protection Act to prevent credit card issuers from taking unfair advantage of full-time, traditional-aged, college students, to protect parents of traditional college student credit card holders, and for other purposes. H.R. 1224, the Business Checking Freedom Act – To repeal the prohibition on the payment of interest on demand deposits, and for other purposes. (all provisions) H.R. 1226 U.S. Financial Policy Committee for Fair Capital Standards Act – To establish a mechanism for developing uniform United States positions on issues before the Basel Committee on Banking Supervision at the Bank for International Settlements, to require a review on the most recent recommendation of the Basel Committee for an accord on capital standards, and for other purposes. Pub. L. No. 109-291, Credit Rating Agency Duopoly Relief Act of 2005 – To amend the Securities Exchange Act of 1934 to revise the definition of statistical rating organization (SRO) to include an entity: (1) whose primary business, for at least the most recent three consecutive years, has been the issuance of publicly available ratings; and (2) that employs either a quantitative or qualitative model to determine its publicly available ratings. (all provisions) H.R. 3007, Combating Terrorism Financing Act of 2005 – To add certain new crimes to Title 18 section on money laundering. H.R. 3140, Consumer Data Security and Notification Act of 2005 – To expand the protections for sensitive personal information in Federal law to cover the information collection and sharing practices of unregulated information brokers, to enhance information security requirements for consumer reporting agencies and information brokers and to require consumer reporting agencies, financial institutions, and other entities to notify consumers of data security breaches involving sensitive consumer information for other purposes. H.R. 3206, the CU Charter Choice Act -- To amend the Federal Credit Union Act provisions relating to any conversion of a credit union charter to a mutual savings bank or savings association charter, and for other purposes. (all provisions) H.R. 3375, Financial Data Security Act of 2005 – To amend the Fair Credit Reporting Act to provide for secure financial data, and for other purposes. HR. 3449, the Consumer Overdraft Protection Fair Practices Act – To extend the protections of the Truth in Lending Act to overdraft protection programs and services provided by depository institutions, to require customer consent before a depository institution may initiate overdraft protection services and fees, to enhance the information made available to consumers relating to overdraft protection services and fees, to prohibit systematic manipulation in the posting of checks and other debits to a depository account for the purpose of generating overdraft protection fees, and for other purposes. (all provisions) H.R. 3492, the Consumer Credit Card Protection Act of 2005 – To amend the Truth in Lending Act to protect consumers from unfair practices of credit card issuers, and for other purposes. (all provisions) Pub. L. No. 109-351, Financial Services Regulatory Relief Act of 2005 – To provide regulatory relief and improve productivity for insured depository institutions, and for other purposes. H.R. 4636, the Federal Deposit Insurance Reform Conforming Amendments Act of 2005 – To enact the technical and conforming amendments necessary to implement the Federal Deposit Insurance Reform Act of 2005, and for other purposes. (all provisions) H.R. 5068, the Export-Import Bank Reauthorization Act of 2006 – To reauthorize the operations of the Export-Import Bank, and to reform certain operations of the Bank, and for other purposes. (all provisions) H.R. 5122, National Defense Authorization Act for Fiscal Year 2007. (provisions on payday lending interest rate limits) H.R. 5177, to amend the Internal Revenue Code of 1986 to allow bonds guaranteed by the Federal home loan banks to be treated as tax exempt bonds. (all provisions) H.R. 5341, the Seasoned Customer CTR Exemption Act of 2006 –To amend section 5313 of title 31, United States Code, to reform certain requirements for reporting cash transactions, and for other purposes. (all provisions) H.R. 5522, the Foreign Operations, Export Financing, and Related Programs Appropriations Act, 2007. (provisions to prevent Export-Import Bank from funding oil and gas exploration projects) H.R. 5576, the Transportation, Treasury, Housing and Urban Development, the Judiciary, the District of Columbia and Independent Agencies Appropriations Act, 2007. (bank real estate activity, matricula consular cards provisions) Pub. L. No. 109-390, Financial Netting Improvements Act of 2006 – To improve the netting process for financial contracts, and for other purposes. (all provisions) H.R. 6062, Community Development Investment Enhancements Act of 2006 – To enhance community development by financial institutions, and for other purposes. (all provisions) S. 12, Targeting Terrorists More Effectively Act of 2005 – Sets forth provisions to detect terrorist financing. (all provisions) S. 98, the Community Choice in Real Estate Act – To amend the Bank Holding Company Act of 1956 and the Revised Statutes of the United States to prohibit financial holding companies and national banks from engaging, directly or indirectly, in real estate brokerage or real estate management activities, and for other purposes. (all provisions) S. 393, Credit Card Minimum Payment Warning Act of 2005 – To require enhanced disclosure to consumers regarding the consequences of making only minimum required payments in the repayment of credit card debt, and for other purposes. (all provisions) S. 499, Credit Card Accountability Responsibility and Disclosure Act of 2005 – To amend the consumer Credit Protection Act to ban abusive credit practices, enhance consumer disclosures, protect underage consumers, and for other purposes. (all provisions) S. 1037, Mutual Fund Transparency Act of 2005 – To require disclosure of financial relationships between brokers and mutual fund companies and of certain brokerage commissions paid by mutual fund companies. (all provisions) S. 1040, Credit Card Minimum Payment Notification Act – To amend the Truth in Lending Act to provide for enhanced disclosure under an open end credit plan. (all provisions) S. 1461, Consumer Identity Protection and Security Act – To establish procedures for the protection of consumers from misuse of, and unauthorized access to, sensitive personal information contained in private information files maintained by commercial entities engaged in, or affecting, interstate commerce, provide for enforcement of those procedures by the Federal Trade Commission, and for other purposes. (all provisions) S. 1562, Safe and Fair Deposit Insurance Act of 2005 (all provisions) – To provide for the merger of the bank and savings association deposit insurance funds, to modernize and improve the safety and fairness of the federal deposit insurance system, and for other purposes. (all provisions) S. 1586, the Interest on Business Checking Act of 2005 – To allow all businesses to make up to 24 transfers each month from interest-bearing transaction accounts to other transaction accounts, to require the payment of interest on reserves held for depository institutions at Federal reserve banks, to repeal the prohibition of interest on business accounts, and for other purposes. (all provisions) S. 2654, the Protection of Young Consumers Act – To protect consumers, and especially young consumers, from skyrocketing consumer debt and the barrage of credit card solicitations, to establish a financial literacy and education program in elementary and secondary schools to help prepare young people to be financially responsible consumers, and for other purposes. (all provisions) S. 2766, National Defense Authorization Act for Fiscal Year 2007. (provisions on payday lending interest rate limits). Basel Testimony (No bill number) – The ongoing efforts to implement the Basel II risk-based capital requirements, and regarding the proposed guidance concerning commercial real estate concentrations. Basel II Testimony (No bill number) – The ongoing efforts to implement the Basel II risk-based capital requirements, and regarding the proposed guidance concerning commercial real estate concentrations. Avian Flu Testimony (No bill number) – Presented ABA’s view on the three letter rulings by the OCC. The OCC made it possible for national banks to continue serving as economic catalysts for communities across America and to meet the changing needs of bank customers within the existing legal framework. Developed Lobbying/Educational materials on: Credit Cards Farm Credit Systems Credit Unions Mutual Savings Banks President’s proposal to create health savings accounts. Proposals on Credit Card Interchange Fees. “Dear Colleague” Letter regarding Credit Card Industry Standards. OCC Letter Rulings on Bank-Owned Real Estate. Fiscal year 2007 budget proposal to require credit and debit card issuers to report to the IRS each year the aggregate reimbursement payments made to merchants. Implementation of Basel II Capital Accords.

H.R. 3574, the Lifetime Prosperity Act of 2005 – To amend the Internal Revenue Code of 1986 to expand incentives for saving. (provisions to expand ROTH IRAs) S. 219, the National Employee Savings and Trust Equity Guarantee Act of 2005 – To amend the Internal Revenue Code of 1986 and the Employee Retirement Income Security Act of 1974 to protect the retirement security of American workers by ensuring that pension assets are adequately diversified and by providing workers with adequate access to, and information about their pension plans, and for other purposes. (all provisions) S. 1783, the Pension Security and Transparency Act of 2005 – To amend the Employee Retirement Income Security Act of 1974 and the Internal Revenue Code of 1986 to reform the pension funding rules, and for other purposes. (all provisions) Pub. L. No. 109-280, the Pension Protection Act of 2005 – To amend the Employee Retirement Income Security Act of 1974 and the Internal Revenue Code of 1986 to reform the pension funding rules, and for other purposes. (all provisions)

H.R. 22, the Postal Accountability and Enhancement Act – To reform the postal laws of the United States. (all provisions) S. 662, the Postal Accountability and Enhancement Act – To reform the postal laws of the United States. (all provisions) H.R. 6407, the Postal Accountability and Enhancement Act.

H.R. 8, the Death Tax Repeal Permanency Act of 2005 – To make the repeal of the estate tax permanent. H.R. 1956, Business Activity Tax Simplification Act of 2005 – To regulate certain State taxation of interstate commerce; and for other purposes. H.R. 3376, Tax Technical Corrections Act – To amend the Internal Revenue Code of 1986 to make technical corrections, and for other purposes H.R. 4511, the Flex Health Savings Accounts Act of 2005. (all provisions) H.R. 5262, the Tax Free Health Savings Act of 2006. (all provisions) H.R. 5638, the Permanent Estate Tax Relief Act of 2006 – To amend the Internal Revenue Code of 1986 to increase the unified credit against the estate tax to an exclusion equivalent of $5,000,000 and to repeal the sunset provision for the estate and generation-skipping taxes, and for other purposes. (all provisions) H.R. 5970, Estate Tax and Extension of Tax Relief Act of 2006 – To amend the Internal Revenue Code of 1986 to increase the unified credit against the estate tax to an exclusion equivalent of $5,000,000, to repeal the sunset provision for the estate and generation-skipping taxes, and to extend expiring provisions, and for other purposes. (all estate tax provisions) H.R. 6048, Medicare Outpatient Therapy Value-Based Purchasing Act of 2006 – To amend title XVIII of the Social Security Act to provide incentives to Medicare participating suppliers and providers of services that are outpatient physical therapy services (including outpatient speach-language pathology services) and occupational therapy services to report quality and effeciency measures and to provide for a value-based purchasing program for payments for such services under the Medicare Program, and for other purposes. (tax provisions) H.R. 6111, Tax Relief and Health Care Act of 2006 Lobbied on extension of expiring tax provisions and for inclusion of HSA legislation in final bill. S. 420, Death Tax Repeal Permanency Act – To make the repeal of the estate tax permanent. (all provisions) S. 1447, the Tax Technical Corrections Act. (Subchapter S, definition of “descendent” provisions) S. 2721, the Business Activity Tax Simplification Act – To simplify the taxation of business activity, and for other purposes. (all provisions) S. 3488, the Tax-Free Healthcare Savings, Access, and Portability Act – To amend the Internal Revenue Code of 1986 to expand the permissible use of health savings accounts to include health insurance payments, to increase the dollar limitation for contributions to health savings accounts, to allow the rollover of unused funds from health reimbursement arrangements to health savings accounts, and for other purposes. (all provisions) Public Law No. 109-222, Tax Increase Prevention and Reconciliation Act of 2005. Public Law No. 109-432, Tax Relief and Healthcare Act of 2006. Proposals regarding tax-exempt organizations. (focusing on credit union taxation)

H.R. 4473, CFTC Reauthorization Act of 2005 – To reauthorize and amend the Commodity Exchange Act to promote legal certainty, enhance competition, and reduce systemic risk in markets for futures and over-the-counter derivatives, and for other purposes. H.R. 4854, the Rural Economic Incentives Act – To amend the Internal Revenue Code of 1986 to exclude from gross income interest received on loans secured by agricultural real property. H.R. 5384, the Agriculture, Rural Development, and related Agencies Appropriations Act for FY 2007. (Farm Service Agency fees) S. 4093, to amend the Farm Security and Rural Investment Act of 2002 to extend a suspension of limitation on the period for which certain borrowers are eligible for guaranteed assistance. (all provisions) Farm Credit System “Horizons Project” Proposal – Developed Lobbying/Educational materials. Fiscal year 2007 budget legislation. (Farm Service Agency fees) Wind Energy Loan Combination Rules. H.R. 399, Rural Economic Incentives Act – To amend the Internal Revenue Code of 1986 to exclude from gross income interest received on loans secured by agricultural real property.

H.R. 1461, the Federal Housing Finance Reform Act of 2005 – To reform the regulation of certain housing-related Government-sponsored enterprises, and for other purposes. (all provisions) S. 190, the Federal Housing Enterprise Regulatory Improvements Act – To address the regulation of secondary mortgage market enterprises, and for other purposes. (all provisions) S. 3421, to authorize major medical facility projects and major medical facility leases for the Department of Veterans Affairs for fiscal years 2006 and 2007, and for other purposes. (data breach provisions) Rudman Report on Fannie Mae Internal Controls.

H.R. 1078, the Social Security Number Protection Act of 2006 – To strengthen the authority of the Federal Government, protect individuals from certain acts and practices in the sale and purchase of Social Sercurity numbers and account numbers, and for other purposes. (all provisions) H.R. 3140, the Consumer Data Security and Notification Act of 2005 – To expand the protections for sensitive personal information in Federal law to cover the information collection and sharing practices of unregulated information brokers, to enhance information security requirements for consumer reporting agencies and information brokers, and to require consumer reporting agencies, financial institutions, and other entities to notify consumers of data security breaches involving sensitive consumer information, and for other purposes. (all provisions) H.R. 3997, the Financial Data Protection Act of 2005 – To amend the Fair Credit Reporting Act to provide for secure financial data, and for other purposes. (all provisions) H.R. 4127, the Data Accountability and Trust Act – To protect consumers by requiring reasonable security policies and procedures to protect computerized data containing personal information, and to provide for nationwide notice in the event of a security breach. (all provisions) H.R. 4411, the Internet Gambling Prohibition and Enforcement Act. (payment system provisions) H.R. 4777, the Internet Gambling Prohibition Act – To amend title 18, United States Code, to expand and modernize the prohibition against interstate gambling, and for other purposes. (payment system provisions) H.R. 5318, the Cyber-Security Enhancement and Consumer Data Protection Act of 2006. (all provisions) S. 751, the Notification of Risk to Personal Data Act – To require Federal agencies, and persons engaged in interstate commerce, in possession of data containing personal information, to disclose any unauthorized acquisition of such information. (all provisions) S. 1326, the Notification of Risk to Personal Data Act – To require agencies and persons in possession of computerized data containing sensitive personal information, to disclose security breaches where such breach poses a significant risk of identity theft. (all provisions) S. 1332, the Personal Data Privacy and Security Act of 2005 – To prevent and mitigate identity theft; to ensure privacy; and to enhance criminal penalties, law enforcement assistance, and other protections against security breaches, fraudulent access, and misuse of personally identifiable information. (all provisions) S. 1408, the Identity Theft Protection Act – To strengthen data protection and safeguards, require data breach notification, and further prevent identity theft. (all provisions) S. 1789, the Personal Data Privacy and Security Act of 2005 – To prevent and mitigate identity theft, to ensure privacy, to provide notice of security breaches, and to enhance criminal penalties, law enforcement assistance, and other protections against security breaches, fraudulent access, and misuse of personally identifiable information. (all provisions) S. 3568, the Data Security Act of 2006 – To protect information relating to consumers, to require notice of security breaches, and for other purposes. (all provisions)

H.Con. Res. 257 – Expressing the sense of the Congress with regard to a moratorium on the payment of principal or interest on certain mortgage loans, small business loans, and consumer loans for residents. H.Con. Res. 257 – Expressing the sense of the Congress with regard to a moratorium on the payment of principal or interest on certain mortgage loans, small business loans, and consumer loans for residents. Pub. L. No. 109-40, Military Personnel Financial Services Protection Act – To amend the federal securities laws to address abuses involving periodic payment plans sold to military personnel. (all provisions) H.R. 799, Consumer Checking Account Fairness Act – To amend the Expedited Funds Availability Act to redress imbalances between the faster withdrawals permitted under the Check 21 and the slower rates for crediting deposits, and for other purposes. H.R. 815, Financial Customer Identification Verification Improvement Act – To amend section 5318 of title 31, United States Code, to prohibit financial institutions from accepting matricula consular issued in the United States as a valid form of identification. (all provisions) H.R. 858, Identity Theft Penalty Enhancement Act – To amend Title 18, United State Code to establish penalties for aggravated identity theft, and for other purposes. (all provisions) H.R. 913, Broad-based Stock Option Plan Transparency Act – To direct the SEC to require enhanced disclosures of employee stock options and to require a study on the economic impact of broad-based employee stock option plans. H.R. 1208, College Student Credit Card Protection Act – To amend the Consumer Credit Protection Act to prevent credit card issuers from taking unfair advantage of full-time, traditional-aged, college students, to protect parents of traditional college student credit card holders, and for other purposes. H.R. 1224, the Business Checking Freedom Act – To repeal the prohibition on the payment of interest on demand deposits, and for other purposes. (all provisions) H.R. 1226 U.S. Financial Policy Committee for Fair Capital Standards Act – To establish a mechanism for developing uniform United States positions on issues before the Basel Committee on Banking Supervision at the Bank for International Settlements, to require a review on the most recent recommendation of the Basel Committee for an accord on capital standards, and for other purposes. Pub. L. No. 109-291, Credit Rating Agency Duopoly Relief Act of 2005 – To amend the Securities Exchange Act of 1934 to revise the definition of statistical rating organization (SRO) to include an entity: (1) whose primary business, for at least the most recent three consecutive years, has been the issuance of publicly available ratings; and (2) that employs either a quantitative or qualitative model to determine its publicly available ratings. (all provisions) H.R. 3007, Combating Terrorism Financing Act of 2005 – To add certain new crimes to Title 18 section on money laundering. H.R. 3140, Consumer Data Security and Notification Act of 2005 – To expand the protections for sensitive personal information in Federal law to cover the information collection and sharing practices of unregulated information brokers, to enhance information security requirements for consumer reporting agencies and information brokers and to require consumer reporting agencies, financial institutions, and other entities to notify consumers of data security breaches involving sensitive consumer information for other purposes. H.R. 3206, the CU Charter Choice Act -- To amend the Federal Credit Union Act provisions relating to any conversion of a credit union charter to a mutual savings bank or savings association charter, and for other purposes. (all provisions) H.R. 3375, Financial Data Security Act of 2005 – To amend the Fair Credit Reporting Act to provide for secure financial data, and for other purposes. HR. 3449, the Consumer Overdraft Protection Fair Practices Act – To extend the protections of the Truth in Lending Act to overdraft protection programs and services provided by depository institutions, to require customer consent before a depository institution may initiate overdraft protection services and fees, to enhance the information made available to consumers relating to overdraft protection services and fees, to prohibit systematic manipulation in the posting of checks and other debits to a depository account for the purpose of generating overdraft protection fees, and for other purposes. (all provisions) H.R. 3492, the Consumer Credit Card Protection Act of 2005 – To amend the Truth in Lending Act to protect consumers from unfair practices of credit card issuers, and for other purposes. (all provisions) Pub. L. No. 109-351, Financial Services Regulatory Relief Act of 2005 – To provide regulatory relief and improve productivity for insured depository institutions, and for other purposes. H.R. 4636, the Federal Deposit Insurance Reform Conforming Amendments Act of 2005 – To enact the technical and conforming amendments necessary to implement the Federal Deposit Insurance Reform Act of 2005, and for other purposes. (all provisions) H.R. 5068, the Export-Import Bank Reauthorization Act of 2006 – To reauthorize the operations of the Export-Import Bank, and to reform certain operations of the Bank, and for other purposes. (all provisions) H.R. 5122, National Defense Authorization Act for Fiscal Year 2007. (provisions on payday lending interest rate limits) H.R. 5177, to amend the Internal Revenue Code of 1986 to allow bonds guaranteed by the Federal home loan banks to be treated as tax exempt bonds. (all provisions) H.R. 5341, the Seasoned Customer CTR Exemption Act of 2006 –To amend section 5313 of title 31, United States Code, to reform certain requirements for reporting cash transactions, and for other purposes. (all provisions) H.R. 5522, the Foreign Operations, Export Financing, and Related Programs Appropriations Act, 2007. (provisions to prevent Export-Import Bank from funding oil and gas exploration projects) H.R. 5576, the Transportation, Treasury, Housing and Urban Development, the Judiciary, the District of Columbia and Independent Agencies Appropriations Act, 2007. (bank real estate activity, matricula consular cards provisions) Pub. L. No. 109-390, Financial Netting Improvements Act of 2006 – To improve the netting process for financial contracts, and for other purposes. (all provisions) H.R. 6062, Community Development Investment Enhancements Act of 2006 – To enhance community development by financial institutions, and for other purposes. (all provisions) S. 12, Targeting Terrorists More Effectively Act of 2005 – Sets forth provisions to detect terrorist financing. (all provisions) S. 98, the Community Choice in Real Estate Act – To amend the Bank Holding Company Act of 1956 and the Revised Statutes of the United States to prohibit financial holding companies and national banks from engaging, directly or indirectly, in real estate brokerage or real estate management activities, and for other purposes. (all provisions) S. 393, Credit Card Minimum Payment Warning Act of 2005 – To require enhanced disclosure to consumers regarding the consequences of making only minimum required payments in the repayment of credit card debt, and for other purposes. (all provisions) S. 499, Credit Card Accountability Responsibility and Disclosure Act of 2005 – To amend the consumer Credit Protection Act to ban abusive credit practices, enhance consumer disclosures, protect underage consumers, and for other purposes. (all provisions) S. 1037, Mutual Fund Transparency Act of 2005 – To require disclosure of financial relationships between brokers and mutual fund companies and of certain brokerage commissions paid by mutual fund companies. (all provisions) S. 1040, Credit Card Minimum Payment Notification Act – To amend the Truth in Lending Act to provide for enhanced disclosure under an open end credit plan. (all provisions) S. 1461, Consumer Identity Protection and Security Act – To establish procedures for the protection of consumers from misuse of, and unauthorized access to, sensitive personal information contained in private information files maintained by commercial entities engaged in, or affecting, interstate commerce, provide for enforcement of those procedures by the Federal Trade Commission, and for other purposes. (all provisions) S. 1562, Safe and Fair Deposit Insurance Act of 2005 (all provisions) – To provide for the merger of the bank and savings association deposit insurance funds, to modernize and improve the safety and fairness of the federal deposit insurance system, and for other purposes. (all provisions) S. 1586, the Interest on Business Checking Act of 2005 – To allow all businesses to make up to 24 transfers each month from interest-bearing transaction accounts to other transaction accounts, to require the payment of interest on reserves held for depository institutions at Federal reserve banks, to repeal the prohibition of interest on business accounts, and for other purposes. (all provisions) S. 2654, the Protection of Young Consumers Act – To protect consumers, and especially young consumers, from skyrocketing consumer debt and the barrage of credit card solicitations, to establish a financial literacy and education program in elementary and secondary schools to help prepare young people to be financially responsible consumers, and for other purposes. (all provisions) S. 2766, National Defense Authorization Act for Fiscal Year 2007. (provisions on payday lending interest rate limits). Basel Testimony (No bill number) – The ongoing efforts to implement the Basel II risk-based capital requirements, and regarding the proposed guidance concerning commercial real estate concentrations. Basel II Testimony (No bill number) – The ongoing efforts to implement the Basel II risk-based capital requirements, and regarding the proposed guidance concerning commercial real estate concentrations. Avian Flu Testimony (No bill number) – Presented ABA’s view on the three letter rulings by the OCC. The OCC made it possible for national banks to continue serving as economic catalysts for communities across America and to meet the changing needs of bank customers within the existing legal framework. Developed Lobbying/Educational materials on: Credit Cards Farm Credit Systems Credit Unions Mutual Savings Banks President’s proposal to create health savings accounts. Proposals on Credit Card Interchange Fees. “Dear Colleague” Letter regarding Credit Card Industry Standards. OCC Letter Rulings on Bank-Owned Real Estate. Fiscal year 2007 budget proposal to require credit and debit card issuers to report to the IRS each year the aggregate reimbursement payments made to merchants. Implementation of Basel II Capital Accords.

Fiscal year 2007 Agriculture budget proposal. (FSA guaranteed farm lending program fee increases) H.R. 4939, the Emergency Supplemental Appropriations Act for Defense, the Global War on Terror, and Hurricane Recovery, 2006. (hurricane relief provisions) H.R. 5631, conference report for Department of Defense Appropriations Act, 2007. (continuing resolution provisions)

S. 3549, the Foreign Investment and National Security Act of 2006. (all provisions to reauthorize and reform the Committee on Foreign Investment in the United States) S. 3938, Export-Import Bank Reauthorization Act of 2006. H.R. 5337, Reform of National Security Reviews of Foreign Direct Investments Act.

H.R. 4320, the National Flood Insurance Program Commitment to Policyholders and Reform Act of 2005 – To restore the financial solvency of the national flood insurance program, and for other purposes. (all provisions) H.R. 4973, the Flood Insurance Reform and Modernization Act of 2006 – To restore the financial solvency of the national flood insurance program, and for other purposes. (all provisions) H.R. 5637, the Non-admitted and Reinsurance Reform Act of 2006 – To streamline the regulation of nonadmitted insurance and reinsurance, and for other purposes. (all provisions) H.R. 6225, the National Insurance Act of 2006. (provisions creating an Optional Federal Charter) S. 2509, the National Insurance Act of 2006. (provisions creating an Optional Federal Charter) S. 3589, the Flood Insurance Reform and Modernization Act of 2006 – To restore the financial solvency of the flood insurance fund.

H.R. 2795, the Patent Reform Act of 2005 – To amend title 35, United States Code, relating to the procurement, enforcement, and validity of patents. (all provisions)

H.R. 5252, the Communications Opportunity, Promotion, and Enhancement Act of 2006. (net neutrality provisions) H.R. 5417, the Internet Freedom and Nondiscrimination Act of 2006. (all net neutrality provisions)

H.R. 1077, Realtime Investor Protection Act – To improve the access of investors to regulatory records with respect to securities brokers, dealers, and investment advisers. (all provisions) H.R. 2061, the Communities First Act – To enhance the ability of community banks to foster economic growth and serve their communities, and for other purposes. (all provisions) H.R. 2317, the Credit Union Regulatory Improvements Act – To modernize credit union net worth standards, advance credit union efforts to promote economic growth, and modify and ease credit union regulatory standards and burdens, and for other purposes. (all provisions) H.R. 2660, the Fair Choice and Competition in Real Estate Act – To amend the Bank Holding Company Act of 1956 to clarify that real estate brokerage activities and real estate management activities are authorized financial activities for financial holding companies and financial subsidiaries of national banks, and for other purposes. (all provisions) H.R. 3206, the Credit Union Choice Act – To amend the Federal Credit Union Act provisions relating to any conversion of a credit union charter to a mutual savings bank or savings association charter, and for other purposes. (provisions on remittances by financial institutions) Pub. L. No. 109-351, the Financial Services Regulatory Relief Act of 2005 – To provide regulatory relief and improve productivity for insured depository institutions, and for other purposes. (all provisions) H.R. 5746, Industrial Bank Holding Company Act of 2006. H.R. 6345 – To make a conforming amendment to the Federal Deposit Insurance Act with respect to examinations of certain insured depository institutions, and for other purposes. Pub. L. No. 109-40, Military Personnel Financial Services Protection Act – To amend the federal securities laws to address abuses involving periodic payment plans sold to military personnel. (all provisions) S. 1502, Preservation of Federalism in Banking Act – To clarify the extent to which national banks must comply with state consumer protection laws. Application of Wal-Mart for industrial loan company charter. Proposals to encourage implementation of Regulation B under the Gramm-Leach-Bliley Act. Proposals regarding adjusted basis reporting for securities brokers.

H.R. 4473, CFTC Reauthorization Act of 2005 – To reauthorize and amend the Commodity Exchange Act to promote legal certainty, enhance competition, and reduce systemic risk in markets for futures and over-the-counter derivatives, and for other purposes. H.R. 4854, the Rural Economic Incentives Act – To amend the Internal Revenue Code of 1986 to exclude from gross income interest received on loans secured by agricultural real property. H.R. 5384, the Agriculture, Rural Development, and related Agencies Appropriations Act for FY 2007. (Farm Service Agency fees) S. 4093, to amend the Farm Security and Rural Investment Act of 2002 to extend a suspension of limitation on the period for which certain borrowers are eligible for guaranteed assistance. (all provisions) Farm Credit System “Horizons Project” Proposal – Developed Lobbying/Educational materials. Fiscal year 2007 budget legislation. (Farm Service Agency fees) Wind Energy Loan Combination Rules. H.R. 399, Rural Economic Incentives Act – To amend the Internal Revenue Code of 1986 to exclude from gross income interest received on loans secured by agricultural real property.

H.R. 2862, the Science, State, Justice, Commerce, and Related Agencies Appropriations Act of 2006 (Internet gambling amendment) H.R. 3426, Preservation of Federalism in Banking Act - To clarify the extent to which national banks must comply with state consumer protection laws. H.R. 4954, Security and Accountability For Every Port Act. (Internet gambling provisions)

H.R. 111, the Community Choice in Real Estate Act – To amend the Bank Holding Company Act of 1956 and the Revised Statutes of the U. S. to prohibit financial holding companies and national banks from engaging in real estate brokerage or real estate management activities, and for other purposes. S. 98, the Community Choice in Real Estate Act – To amend the Bank Holding Company Act of 1956, and the Revised Statutes of the United States, to prohibit financial holding companies and national banks from engaging, directly or indirectly, in real estate brokerage or real estate management activities, and for other purposes. (provisions restricting banking activities)

Financial Literacy Testimony (no bill) – The ABA presented their views on what the federal government’s role should be to facilitate organization of private sector financial literacy programs to better enhance its effectiveness and make the public aware of their availability. H.R. 609, College Access and Opportunity Act of 2005 - To reauthorize the Higher Education Act. (student loan consolidation provisions) H.R. 5603, the Second Higher Education Extension Act of 2006. (all provisions)

H.R. 22, the Postal Accountability and Enhancement Act – To reform the postal laws of the United States. (all provisions) S. 662, the Postal Accountability and Enhancement Act – To reform the postal laws of the United States. (all provisions) H.R. 6407, the Postal Accountability and Enhancement Act.

H.R. 3574, the Lifetime Prosperity Act of 2005 – To amend the Internal Revenue Code of 1986 to expand incentives for saving. (provisions to expand ROTH IRAs) S. 219, the National Employee Savings and Trust Equity Guarantee Act of 2005 – To amend the Internal Revenue Code of 1986 and the Employee Retirement Income Security Act of 1974 to protect the retirement security of American workers by ensuring that pension assets are adequately diversified and by providing workers with adequate access to, and information about their pension plans, and for other purposes. (all provisions) S. 1783, the Pension Security and Transparency Act of 2005 – To amend the Employee Retirement Income Security Act of 1974 and the Internal Revenue Code of 1986 to reform the pension funding rules, and for other purposes. (all provisions) Pub. L. No. 109-280, the Pension Protection Act of 2005 – To amend the Employee Retirement Income Security Act of 1974 and the Internal Revenue Code of 1986 to reform the pension funding rules, and for other purposes. (all provisions)

H.R. 3893, the Gasoline for America’s Security Act of 2005 – To expedite the construction of new refining capacity in the United States, to provide reliable and affordable energy for the American people, and for other purposes. (credit card interchange fees amendment)

H.R. 5352, the Small Business Reauthorization Act of 2006. (Small Business Administration Loan Guaranty Program provisions) H.R. 5672, the Science, State, Justice, Commerce, and Related Agencies Appropriations Act for FY 2007. (Small Business Administration Loan Guaranty Program provisions) S. 1603, Small Business Lending Improvement Act of 2005 – To establish a National Preferred Lender Program, facilitate the delivery of financial assistance to small businesses, and for other purposes. (preferred lending program provisions) Fiscal year 2007 budget proposal for the State, Justice, and Commerce Departments. (Small Business Administration Loan Guaranty Program provisions)

H.R. 8, the Death Tax Repeal Permanency Act of 2005 – To make the repeal of the estate tax permanent. H.R. 1956, Business Activity Tax Simplification Act of 2005 – To regulate certain State taxation of interstate commerce; and for other purposes. H.R. 3376, Tax Technical Corrections Act – To amend the Internal Revenue Code of 1986 to make technical corrections, and for other purposes H.R. 4511, the Flex Health Savings Accounts Act of 2005. (all provisions) H.R. 5262, the Tax Free Health Savings Act of 2006. (all provisions) H.R. 5638, the Permanent Estate Tax Relief Act of 2006 – To amend the Internal Revenue Code of 1986 to increase the unified credit against the estate tax to an exclusion equivalent of $5,000,000 and to repeal the sunset provision for the estate and generation-skipping taxes, and for other purposes. (all provisions) H.R. 5970, Estate Tax and Extension of Tax Relief Act of 2006 – To amend the Internal Revenue Code of 1986 to increase the unified credit against the estate tax to an exclusion equivalent of $5,000,000, to repeal the sunset provision for the estate and generation-skipping taxes, and to extend expiring provisions, and for other purposes. (all estate tax provisions) H.R. 6048, Medicare Outpatient Therapy Value-Based Purchasing Act of 2006 – To amend title XVIII of the Social Security Act to provide incentives to Medicare participating suppliers and providers of services that are outpatient physical therapy services (including outpatient speach-language pathology services) and occupational therapy services to report quality and effeciency measures and to provide for a value-based purchasing program for payments for such services under the Medicare Program, and for other purposes. (tax provisions) H.R. 6111, Tax Relief and Health Care Act of 2006 Lobbied on extension of expiring tax provisions and for inclusion of HSA legislation in final bill. S. 420, Death Tax Repeal Permanency Act – To make the repeal of the estate tax permanent. (all provisions) S. 1447, the Tax Technical Corrections Act. (Subchapter S, definition of “descendent” provisions) S. 2721, the Business Activity Tax Simplification Act – To simplify the taxation of business activity, and for other purposes. (all provisions) S. 3488, the Tax-Free Healthcare Savings, Access, and Portability Act – To amend the Internal Revenue Code of 1986 to expand the permissible use of health savings accounts to include health insurance payments, to increase the dollar limitation for contributions to health savings accounts, to allow the rollover of unused funds from health reimbursement arrangements to health savings accounts, and for other purposes. (all provisions) Public Law No. 109-222, Tax Increase Prevention and Reconciliation Act of 2005. Public Law No. 109-432, Tax Relief and Healthcare Act of 2006. Proposals regarding tax-exempt organizations. (focusing on credit union taxation)