JAMES DATRI

Issues related to tax-related financial products, especially Refund Anticipation Loans (RALs), which are offered by Pacific Capital; lobby (including on S. 1219, the Taxpayer Protection and Assistance Act of 2007; S. 1133, the Taxpayer Abuse Preventaion Act; and H.R. 5716, the Taxpayer Bill of Rights Act of 2008) to protect Pacific's ability to offer, and consumers' ability to receive, with solid disclosures and protections, these loan products; (see addendum page) and to protect the I.R.S. Debt Indicator (D.I.), including in H.R. 1677 (Taxpayer Protection Act of 2007) and in bill's subsequent referral to Senate Finance Committee, and in H.R. 5719 (the Taxpayer Assistance and Simplification Act of 2008). Inform covered officials about facts and benefits of the RAL product. Monitor legislative and regulatory activity that could possibly affect RALs, or unfairly draw in RALs, including in areas of predatory lending, and taxpayer privacy and protection.

Issues related to tax-related financial products, especially Refund Anticipation Loans (RALs), which are offered by Pacific Capital; lobby (including on S. 1219, the Taxpayer Protection and Assistance Act of 2007; S. 1133, the Taxpayer Abuse Preventaion Act; and H.R. 5716, the Taxpayer Bill of Rights Act of 2008) to protect Pacific's ability to offer, and consumers' ability to receive, with solid disclosures and protections, these loan products; (see addendum page) and to protect the I.R.S. Debt Indicator (D.I.), including in H.R. 1677 (Taxpayer Protection Act of 2007) and in bill's subsequent referral to Senate Finance Committee, and in H.R. 5719 (the Taxpayer Assistance and Simplification Act of 2008). Inform covered officials about facts and benefits of the RAL product. Monitor legislative and regulatory activity that could possibly affect RALs, or unfairly draw in RALs, including in areas of predatory lending, and taxpayer privacy and protection.

Issues related to tax-related financial products, especially Refund Anticipation Loans (RALs), which are offered by Pacific Capital; lobby (including on S. 1219, the Taxpayer Protection and Assistance Act of 2007; S. 1133, the Taxpayer Abuse Preventaion Act; and H.R. 5716, the Taxpayer Bill of Rights Act of 2008) to protect Pacific's ability to offer, and consumers' ability to receive, with solid disclosures and protections, these loan products; (see addendum page) and to protect the I.R.S. Debt Indicator (D.I.), including in H.R. 1677 (Taxpayer Protection Act of 2007) and in bill's subsequent referral to Senate Finance Committee, and in H.R. 5719 (the Taxpayer Assistance and Simplification Act of 2008). Inform covered officials about facts and benefits of the RAL product. Monitor legislative and regulatory activity that could possibly affect RALs, or unfairly draw in RALs, including in areas of predatory lending, and taxpayer privacy and protection.

Issues related to tax-related financial products, especially Refund Anticipation Loans (RALs), which are offered by Pacific Capital; lobby (including on S. 1219, the Taxpayer Protection and Assistance Act of 2007; S. 1133, the Taxpayer Abuse Preventaion Act; and H.R. 5716, the Taxpayer Bill of Rights Act of 2008) to protect Pacific's ability to offer, and consumers' ability to receive, with solid disclosures and protections, these loan products; (see addendum page) and to protect the I.R.S. Debt Indicator (D.I.), including in H.R. 1677 (Taxpayer Protection Act of 2007) and in bill's subsequent referral to Senate Finance Committee, and in H.R. 5719 (the Taxpayer Assistance and Simplification Act of 2008). Inform covered officials about facts and benefits of the RAL product. Monitor legislative and regulatory activity that could possibly affect RALs, or unfairly draw in RALs, including in areas of predatory lending, and taxpayer privacy and protection.

Issues related to tax-related financial products, especially Refund Anticipation Loans (RALs), which are offered by Pacific Capital; lobby (including on S. 1219, the Taxpayer Protection and Assistance Act of 2007; S. 1133, the Taxpayer Abuse Preventaion Act; and H.R. 5716, the Taxpayer Bill of Rights Act of 2008) to protect Pacific's ability to offer, and consumers' ability to receive, with solid disclosures and protections, these loan products; (see addendum page) and to protect the I.R.S. Debt Indicator (D.I.), including in H.R. 1677 (Taxpayer Protection Act of 2007) and in bill's subsequent referral to Senate Finance Committee, and in H.R. 5719 (the Taxpayer Assistance and Simplification Act of 2008). Inform covered officials about facts and benefits of the RAL product. Monitor legislative and regulatory activity that could possibly affect RALs, or unfairly draw in RALs, including in areas of predatory lending, and taxpayer privacy and protection.

Issues related to tax-related financial products, especially Refund Anticipation Loans (RALs), which are offered by Pacific Capital; lobby (including on S. 1219, the Taxpayer Protection and Assistance Act of 2007; S. 1133, the Taxpayer Abuse Preventaion Act; and H.R. 5716, the Taxpayer Bill of Rights Act of 2008) to protect Pacific's ability to offer, and consumers' ability to receive, with solid disclosures and protections, these loan products; (see addendum page) and to protect the I.R.S. Debt Indicator (D.I.), including in H.R. 1677 (Taxpayer Protection Act of 2007) and in bill's subsequent referral to Senate Finance Committee, and in H.R. 5719 (the Taxpayer Assistance and Simplification Act of 2008). Inform covered officials about facts and benefits of the RAL product. Monitor legislative and regulatory activity that could possibly affect RALs, or unfairly draw in RALs, including in areas of predatory lending, and taxpayer privacy and protection.

Issues related to tax-related financial products, especially Refund Anticipation Loans (RALs), which are offered by Pacific Capital; lobby (including on S. 1219, the Taxpayer Protection and Assistance Act of 2007; S. 1133, the Taxpayer Abuse Preventaion Act; and H.R. 5716, the Taxpayer Bill of Rights Act of 2008) to protect Pacific's ability to offer, and consumers' ability to receive, with solid disclosures and protections, these loan products; (see addendum page) and to protect the I.R.S. Debt Indicator (D.I.), including in H.R. 1677 (Taxpayer Protection Act of 2007) and in bill's subsequent referral to Senate Finance Committee, and in H.R. 5719 (the Taxpayer Assistance and Simplification Act of 2008). Inform covered officials about facts and benefits of the RAL product. Monitor legislative and regulatory activity that could possibly affect RALs, or unfairly draw in RALs, including in areas of predatory lending, and taxpayer privacy and protection.

Issues related to tax-related financial products, especially Refund Anticipation Loans (RALs), which are offered by Pacific Capital; lobby (including on S. 1219, the Taxpayer Protection and Assistance Act of 2007; S. 1133, the Taxpayer Abuse Preventaion Act; and H.R. 5716, the Taxpayer Bill of Rights Act of 2008) to protect Pacific's ability to offer, and consumers' ability to receive, with solid disclosures and protections, these loan products; (see addendum page) and to protect the I.R.S. Debt Indicator (D.I.), including in H.R. 1677 (Taxpayer Protection Act of 2007) and in bill's subsequent referral to Senate Finance Committee, and in H.R. 5719 (the Taxpayer Assistance and Simplification Act of 2008). Inform covered officials about facts and benefits of the RAL product. Monitor legislative and regulatory activity that could possibly affect RALs, or unfairly draw in RALs, including in areas of predatory lending, and taxpayer privacy and protection.

Issues related to tax-related financial products, especially Refund Anticipation Loans (RALs), which are offered by Pacific Capital; lobby (including on S. 1219, the Taxpayer Protection and Assistance Act of 2007; S. 1133, the Taxpayer Abuse Preventaion Act; and H.R. 5716, the Taxpayer Bill of Rights Act of 2008) to protect Pacific's ability to offer, and consumers' ability to receive, with solid disclosures and protections, these loan products; (see addendum page) and to protect the I.R.S. Debt Indicator (D.I.), including in H.R. 1677 (Taxpayer Protection Act of 2007) and in bill's subsequent referral to Senate Finance Committee, and in H.R. 5719 (the Taxpayer Assistance and Simplification Act of 2008). Inform covered officials about facts and benefits of the RAL product. Monitor legislative and regulatory activity that could possibly affect RALs, or unfairly draw in RALs, including in areas of predatory lending, and taxpayer privacy and protection.

Issues related to tax-related financial products, especially Refund Anticipation Loans (RALs), which are offered by Pacific Capital; lobby (including on S. 1219, the Taxpayer Protection and Assistance Act of 2007; S. 1133, the Taxpayer Abuse Preventaion Act; and H.R. 5716, the Taxpayer Bill of Rights Act of 2008) to protect Pacific's ability to offer, and consumers' ability to receive, with solid disclosures and protections, these loan products; (see addendum page) and to protect the I.R.S. Debt Indicator (D.I.), including in H.R. 1677 (Taxpayer Protection Act of 2007) and in bill's subsequent referral to Senate Finance Committee, and in H.R. 5719 (the Taxpayer Assistance and Simplification Act of 2008). Inform covered officials about facts and benefits of the RAL product. Monitor legislative and regulatory activity that could possibly affect RALs, or unfairly draw in RALs, including in areas of predatory lending, and taxpayer privacy and protection.

Issues related to tax-related financial products, especially Refund Anticipation Loans (RALs), which are offered by Pacific Capital; lobby (including on S. 1219, the Taxpayer Protection and Assistance Act of 2007; S. 1133, the Taxpayer Abuse Preventaion Act; and H.R. 5716, the Taxpayer Bill of Rights Act of 2008) to protect Pacific's ability to offer, and consumers' ability to receive, with solid disclosures and protections, these loan products; (see addendum page) and to protect the I.R.S. Debt Indicator (D.I.), including in H.R. 1677 (Taxpayer Protection Act of 2007) and in bill's subsequent referral to Senate Finance Committee, and in H.R. 5719 (the Taxpayer Assistance and Simplification Act of 2008). Inform covered officials about facts and benefits of the RAL product. Monitor legislative and regulatory activity that could possibly affect RALs, or unfairly draw in RALs, including in areas of predatory lending, and taxpayer privacy and protection.

Lobbied for banking industry positions on issues including credit card practices & support of the principles of risk-based pricing, notice to and choice for customers (including S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007; and H.R. 5244, the Credit Cardholders Bill of Rights Act of 2008), (see addendum page) mortgage bankruptcy & opposition to giving bankruptcy judges unilateral ability to alter mortgage terms (including S. 2136, the Helping Families Save Their Homes in Bankruptcy Act of 2007; S. 2133, the HOMES Act; H.R. 3609, the Emergency Home Ownership and Mortgage Equity Protection Act of 2007; Title IV of S. 2636, the Foreclosure Prevention Act of 2008; Title IV of the Senate substitute version of H.R. 3221, known as the Foreclosure Prevention Act of 2008), mortgage reform/subprime lending/anti-predatory lending (including H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; and S. 2452, the Home Ownership Preservation and Protection Act of 2007), overdraft protection (including H.R. 946, the Consumer Overdraft Protection Fair Practices Act), ability to discharge student loans during bankruptcy & support of the current-law undue hardship standard (in opposition to House Floor Amendment, on ability to discharge private student loan debt in bankruptcy, to H.R. 4137, the College Opportunity and Affordability Act of 2007), bankruptcy reform for qualifying reserve-component active duty members (H.R. 4044), and regulatory relief; general monitoring of legislative and regulatory activity impacting the banking industry and informing Members of Congress and their staff about the practices, contributions to the American economy and society, and policy positions of the banking industry.

Lobbied for banking industry positions on issues including credit card practices & support of the principles of risk-based pricing, notice to and choice for customers (including S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007; H.R. 5244, the Credit Cardholders Bill of Rights Act of 2008; (see addendum page) and the 2008 Federal Reserve proposal on credit card and overdraft practices), bankruptcy reform, mortgage bankruptcy & opposition to giving bankruptcy judges unilateral ability to alter mortgage terms (including S. 2136, the Helping Families Save Their Homes in Bankruptcy Act of 2007; S. 2133, the HOMES Act; H.R. 3609, the Emergency Home Ownership and Mortgage Equity Protection Act of 2007; Title IV of S. 2636, the Foreclosure Prevention Act of 2008; Title IV of the Senate substitute version of H.R. 3221, the Foreclosure Prevention Act of 2008), mortgage reform/subprime lending/anti-predatory lending (including H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; and S. 2452, the Home Ownership Preservation and Protection Act of 2007), opposition to requirement to report credit/payment card merchant sales financial data to the Internal Revenue Service as a revenue raiser for the Housing Bill (H.R. 3221, the Foreclosure Prevention Act of 2008), overdraft protection & opposition to requiring opt-ins from customers, calculation of an APR (Annual Percentage Rate) for this fee-based product, and disclosure of a potential overdraft at each point of sale and ATM (including H.R. 946, the Consumer Overdraft Protection Fair Practices Act), ability to discharge student loans during bankruptcy & support of the current-law undue hardship standard (in opposition to House Floor Amendment, on ability to discharge private student loan debt in bankruptcy, to H.R. 4137, the College Opportunity and Affordability Act of 2007), interchange rates & opposition to price controls (including H.R. 5546 and S. 3086, both called the Credit Card Fair Fee Act of 2008), bankruptcy reform for qualifying reserve-component active duty members (H.R. 4044, the National Guard and Reservist Debt Relief Act of 2008), and regulatory relief; general monitoring of legislative and regulatory activity impacting the banking industry and informing Members of Congress and their staff about the practices, contributions to the American economy and society, and policy positions of the banking industry.

Lobbied for banking industry positions on issues including credit card practices & support of the principles of risk-based pricing, notice to and choice for customers (including S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007; H.R. 5244, the Credit Cardholders Bill of Rights Act of 2008; (see addendum page) and the 2008 Federal Reserve proposal on credit card and overdraft practices), bankruptcy reform, mortgage bankruptcy & opposition to giving bankruptcy judges unilateral ability to alter mortgage terms (including S. 2136, the Helping Families Save Their Homes in Bankruptcy Act of 2007; S. 2133, the HOMES Act; H.R. 3609, the Emergency Home Ownership and Mortgage Equity Protection Act of 2007; Title IV of S. 2636, the Foreclosure Prevention Act of 2008; Title IV of the Senate substitute version of H.R. 3221, the Foreclosure Prevention Act of 2008), mortgage reform/subprime lending/anti-predatory lending (including H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; and S. 2452, the Home Ownership Preservation and Protection Act of 2007), opposition to requirement to report credit/payment card merchant sales financial data to the Internal Revenue Service as a revenue raiser for the Housing Bill (H.R. 3221, the Foreclosure Prevention Act of 2008), overdraft protection & opposition to requiring opt-ins from customers, calculation of an APR (Annual Percentage Rate) for this fee-based product, and disclosure of a potential overdraft at each point of sale and ATM (including H.R. 946, the Consumer Overdraft Protection Fair Practices Act), ability to discharge student loans during bankruptcy & support of the current-law undue hardship standard (in opposition to House Floor Amendment, on ability to discharge private student loan debt in bankruptcy, to H.R. 4137, the College Opportunity and Affordability Act of 2007), interchange rates & opposition to price controls (including H.R. 5546 and S. 3086, both called the Credit Card Fair Fee Act of 2008), bankruptcy reform for qualifying reserve-component active duty members (H.R. 4044, the National Guard and Reservist Debt Relief Act of 2008), and regulatory relief; general monitoring of legislative and regulatory activity impacting the banking industry and informing Members of Congress and their staff about the practices, contributions to the American economy and society, and policy positions of the banking industry.

Lobbied for banking industry positions on issues including credit card practices & support of the principles of risk-based pricing, notice to and choice for customers (including S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007; H.R. 5244, the Credit Cardholders Bill of Rights Act of 2008; S. 3252, the Credit Card Accountability Responsibility and Disclosure Act of 2008; (see addendum page) and the 2008 Federal Reserve proposal on credit card and overdraft practices), bankruptcy reform, mortgage bankruptcy & opposition to giving bankruptcy judges unilateral ability to alter mortgage terms (including S. 2136, the Helping Families Save Their Homes in Bankruptcy Act of 2007; S. 2133, the HOMES Act; H.R. 3609, the Emergency Home Ownership and Mortgage Equity Protection Act of 2007; Title IV of S. 2636, the Foreclosure Prevention Act of 2008; Title IV of the Senate substitute version of H.R. 3221, the Foreclosure Prevention Act of 2008), mortgage reform/subprime lending/anti-predatory lending (including H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; and S. 2452, the Home Ownership Preservation and Protection Act of 2007), opposition to requirement to report credit/payment card merchant sales financial data to the Internal Revenue Service as a revenue raiser for the Housing Bill (H.R. 3221, the Foreclosure Prevention Act of 2008), overdraft protection & opposition to requiring opt-ins from customers, calculation of an APR (Annual Percentage Rate) for this fee-based product, and disclosure of a potential overdraft at each point of sale and ATM (including H.R. 946, the Consumer Overdraft Protection Fair Practices Act), ability to discharge student loans during bankruptcy & support of the current-law undue hardship standard (in opposition to House Floor Amendment, on ability to discharge private student loan debt in bankruptcy, to H.R. 4137, the College Opportunity and Affordability Act of 2007), interchange rates & opposition to price controls (including H.R. 5546 and S. 3086, both called the Credit Card Fair Fee Act of 2008), bankruptcy reform for qualifying reserve-component active duty members (H.R. 4044, the National Guard and Reservist Debt Relief Act of 2008), and regulatory relief; general monitoring of legislative and regulatory activity impacting the banking industry and informing Members of Congress and their staff about the practices, contributions to the American economy and society, and policy positions of the banking industry.

Lobbied for banking industry positions on issues including credit card practices & support of the principles of risk-based pricing, notice to and choice for customers (including S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007; and H.R. 5244, the Credit Cardholders Bill of Rights Act of 2008), (see addendum page) mortgage bankruptcy & opposition to giving bankruptcy judges unilateral ability to alter mortgage terms (including S. 2136, the Helping Families Save Their Homes in Bankruptcy Act of 2007; S. 2133, the HOMES Act; H.R. 3609, the Emergency Home Ownership and Mortgage Equity Protection Act of 2007; Title IV of S. 2636, the Foreclosure Prevention Act of 2008; Title IV of the Senate substitute version of H.R. 3221, known as the Foreclosure Prevention Act of 2008), mortgage reform/subprime lending/anti-predatory lending (including H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; and S. 2452, the Home Ownership Preservation and Protection Act of 2007), overdraft protection (including H.R. 946, the Consumer Overdraft Protection Fair Practices Act), ability to discharge student loans during bankruptcy & support of the current-law undue hardship standard (in opposition to House Floor Amendment, on ability to discharge private student loan debt in bankruptcy, to H.R. 4137, the College Opportunity and Affordability Act of 2007), bankruptcy reform for qualifying reserve-component active duty members (H.R. 4044), and regulatory relief; general monitoring of legislative and regulatory activity impacting the banking industry and informing Members of Congress and their staff about the practices, contributions to the American economy and society, and policy positions of the banking industry.

Lobbied for banking industry positions on issues including credit card practices & support of the principles of risk-based pricing, notice to and choice for customers (including S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007; H.R. 5244, the Credit Cardholders Bill of Rights Act of 2008; S. 3252, the Credit Card Accountability Responsibility and Disclosure Act of 2008; (see addendum page) and the 2008 Federal Reserve proposal on credit card and overdraft practices), bankruptcy reform, mortgage bankruptcy & opposition to giving bankruptcy judges unilateral ability to alter mortgage terms (including S. 2136, the Helping Families Save Their Homes in Bankruptcy Act of 2007; S. 2133, the HOMES Act; H.R. 3609, the Emergency Home Ownership and Mortgage Equity Protection Act of 2007; Title IV of S. 2636, the Foreclosure Prevention Act of 2008; Title IV of the Senate substitute version of H.R. 3221, the Foreclosure Prevention Act of 2008), mortgage reform/subprime lending/anti-predatory lending (including H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; and S. 2452, the Home Ownership Preservation and Protection Act of 2007), opposition to requirement to report credit/payment card merchant sales financial data to the Internal Revenue Service as a revenue raiser for the Housing Bill (H.R. 3221, the Foreclosure Prevention Act of 2008), overdraft protection & opposition to requiring opt-ins from customers, calculation of an APR (Annual Percentage Rate) for this fee-based product, and disclosure of a potential overdraft at each point of sale and ATM (including H.R. 946, the Consumer Overdraft Protection Fair Practices Act), ability to discharge student loans during bankruptcy & support of the current-law undue hardship standard (in opposition to House Floor Amendment, on ability to discharge private student loan debt in bankruptcy, to H.R. 4137, the College Opportunity and Affordability Act of 2007), interchange rates & opposition to price controls (including H.R. 5546 and S. 3086, both called the Credit Card Fair Fee Act of 2008), bankruptcy reform for qualifying reserve-component active duty members (H.R. 4044, the National Guard and Reservist Debt Relief Act of 2008), and regulatory relief; general monitoring of legislative and regulatory activity impacting the banking industry and informing Members of Congress and their staff about the practices, contributions to the American economy and society, and policy positions of the banking industry.

Lobbied for banking industry positions on issues including credit card practices & support of the principles of risk-based pricing, notice to and choice for customers (including S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007; H.R. 5244, the Credit Cardholders Bill of Rights Act of 2008; (see addendum page) and the 2008 Federal Reserve proposal on credit card and overdraft practices), bankruptcy reform, mortgage bankruptcy & opposition to giving bankruptcy judges unilateral ability to alter mortgage terms (including S. 2136, the Helping Families Save Their Homes in Bankruptcy Act of 2007; S. 2133, the HOMES Act; H.R. 3609, the Emergency Home Ownership and Mortgage Equity Protection Act of 2007; Title IV of S. 2636, the Foreclosure Prevention Act of 2008; Title IV of the Senate substitute version of H.R. 3221, the Foreclosure Prevention Act of 2008), mortgage reform/subprime lending/anti-predatory lending (including H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; and S. 2452, the Home Ownership Preservation and Protection Act of 2007), opposition to requirement to report credit/payment card merchant sales financial data to the Internal Revenue Service as a revenue raiser for the Housing Bill (H.R. 3221, the Foreclosure Prevention Act of 2008), overdraft protection & opposition to requiring opt-ins from customers, calculation of an APR (Annual Percentage Rate) for this fee-based product, and disclosure of a potential overdraft at each point of sale and ATM (including H.R. 946, the Consumer Overdraft Protection Fair Practices Act), ability to discharge student loans during bankruptcy & support of the current-law undue hardship standard (in opposition to House Floor Amendment, on ability to discharge private student loan debt in bankruptcy, to H.R. 4137, the College Opportunity and Affordability Act of 2007), interchange rates & opposition to price controls (including H.R. 5546 and S. 3086, both called the Credit Card Fair Fee Act of 2008), bankruptcy reform for qualifying reserve-component active duty members (H.R. 4044, the National Guard and Reservist Debt Relief Act of 2008), and regulatory relief; general monitoring of legislative and regulatory activity impacting the banking industry and informing Members of Congress and their staff about the practices, contributions to the American economy and society, and policy positions of the banking industry.

Lobbied for banking industry positions on issues including credit card practices & support of the principles of risk-based pricing, notice to and choice for customers (including S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007; H.R. 5244, the Credit Cardholders Bill of Rights Act of 2008; (see addendum page) and the 2008 Federal Reserve proposal on credit card and overdraft practices), bankruptcy reform, mortgage bankruptcy & opposition to giving bankruptcy judges unilateral ability to alter mortgage terms (including S. 2136, the Helping Families Save Their Homes in Bankruptcy Act of 2007; S. 2133, the HOMES Act; H.R. 3609, the Emergency Home Ownership and Mortgage Equity Protection Act of 2007; Title IV of S. 2636, the Foreclosure Prevention Act of 2008; Title IV of the Senate substitute version of H.R. 3221, the Foreclosure Prevention Act of 2008), mortgage reform/subprime lending/anti-predatory lending (including H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; and S. 2452, the Home Ownership Preservation and Protection Act of 2007), opposition to requirement to report credit/payment card merchant sales financial data to the Internal Revenue Service as a revenue raiser for the Housing Bill (H.R. 3221, the Foreclosure Prevention Act of 2008), overdraft protection & opposition to requiring opt-ins from customers, calculation of an APR (Annual Percentage Rate) for this fee-based product, and disclosure of a potential overdraft at each point of sale and ATM (including H.R. 946, the Consumer Overdraft Protection Fair Practices Act), ability to discharge student loans during bankruptcy & support of the current-law undue hardship standard (in opposition to House Floor Amendment, on ability to discharge private student loan debt in bankruptcy, to H.R. 4137, the College Opportunity and Affordability Act of 2007), interchange rates & opposition to price controls (including H.R. 5546 and S. 3086, both called the Credit Card Fair Fee Act of 2008), bankruptcy reform for qualifying reserve-component active duty members (H.R. 4044, the National Guard and Reservist Debt Relief Act of 2008), and regulatory relief; general monitoring of legislative and regulatory activity impacting the banking industry and informing Members of Congress and their staff about the practices, contributions to the American economy and society, and policy positions of the banking industry.

Lobbied for banking industry positions on issues including credit card practices & support of the principles of risk-based pricing, notice to and choice for customers (including S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007; H.R. 5244, the Credit Cardholders Bill of Rights Act of 2008; S. 3252, the Credit Card Accountability Responsibility and Disclosure Act of 2008; (see addendum page) and the 2008 Federal Reserve proposal on credit card and overdraft practices), bankruptcy reform, mortgage bankruptcy & opposition to giving bankruptcy judges unilateral ability to alter mortgage terms (including S. 2136, the Helping Families Save Their Homes in Bankruptcy Act of 2007; S. 2133, the HOMES Act; H.R. 3609, the Emergency Home Ownership and Mortgage Equity Protection Act of 2007; Title IV of S. 2636, the Foreclosure Prevention Act of 2008; Title IV of the Senate substitute version of H.R. 3221, the Foreclosure Prevention Act of 2008), mortgage reform/subprime lending/anti-predatory lending (including H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; and S. 2452, the Home Ownership Preservation and Protection Act of 2007), opposition to requirement to report credit/payment card merchant sales financial data to the Internal Revenue Service as a revenue raiser for the Housing Bill (H.R. 3221, the Foreclosure Prevention Act of 2008), overdraft protection & opposition to requiring opt-ins from customers, calculation of an APR (Annual Percentage Rate) for this fee-based product, and disclosure of a potential overdraft at each point of sale and ATM (including H.R. 946, the Consumer Overdraft Protection Fair Practices Act), ability to discharge student loans during bankruptcy & support of the current-law undue hardship standard (in opposition to House Floor Amendment, on ability to discharge private student loan debt in bankruptcy, to H.R. 4137, the College Opportunity and Affordability Act of 2007), interchange rates & opposition to price controls (including H.R. 5546 and S. 3086, both called the Credit Card Fair Fee Act of 2008), bankruptcy reform for qualifying reserve-component active duty members (H.R. 4044, the National Guard and Reservist Debt Relief Act of 2008), and regulatory relief; general monitoring of legislative and regulatory activity impacting the banking industry and informing Members of Congress and their staff about the practices, contributions to the American economy and society, and policy positions of the banking industry.

Lobbied for banking industry positions on issues including credit card practices & support of the principles of risk-based pricing, notice to and choice for customers (including S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007; and H.R. 5244, the Credit Cardholders Bill of Rights Act of 2008), (see addendum page) mortgage bankruptcy & opposition to giving bankruptcy judges unilateral ability to alter mortgage terms (including S. 2136, the Helping Families Save Their Homes in Bankruptcy Act of 2007; S. 2133, the HOMES Act; H.R. 3609, the Emergency Home Ownership and Mortgage Equity Protection Act of 2007; Title IV of S. 2636, the Foreclosure Prevention Act of 2008; Title IV of the Senate substitute version of H.R. 3221, known as the Foreclosure Prevention Act of 2008), mortgage reform/subprime lending/anti-predatory lending (including H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; and S. 2452, the Home Ownership Preservation and Protection Act of 2007), overdraft protection (including H.R. 946, the Consumer Overdraft Protection Fair Practices Act), ability to discharge student loans during bankruptcy & support of the current-law undue hardship standard (in opposition to House Floor Amendment, on ability to discharge private student loan debt in bankruptcy, to H.R. 4137, the College Opportunity and Affordability Act of 2007), bankruptcy reform for qualifying reserve-component active duty members (H.R. 4044), and regulatory relief; general monitoring of legislative and regulatory activity impacting the banking industry and informing Members of Congress and their staff about the practices, contributions to the American economy and society, and policy positions of the banking industry.

Lobbied for banking industry positions on issues including credit card practices & support of the principles of risk-based pricing, notice to and choice for customers (including S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007; H.R. 5244, the Credit Cardholders Bill of Rights Act of 2008; S. 3252, the Credit Card Accountability Responsibility and Disclosure Act of 2008; (see addendum page) and the 2008 Federal Reserve proposal on credit card and overdraft practices), bankruptcy reform, mortgage bankruptcy & opposition to giving bankruptcy judges unilateral ability to alter mortgage terms (including S. 2136, the Helping Families Save Their Homes in Bankruptcy Act of 2007; S. 2133, the HOMES Act; H.R. 3609, the Emergency Home Ownership and Mortgage Equity Protection Act of 2007; Title IV of S. 2636, the Foreclosure Prevention Act of 2008; Title IV of the Senate substitute version of H.R. 3221, the Foreclosure Prevention Act of 2008), mortgage reform/subprime lending/anti-predatory lending (including H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; and S. 2452, the Home Ownership Preservation and Protection Act of 2007), opposition to requirement to report credit/payment card merchant sales financial data to the Internal Revenue Service as a revenue raiser for the Housing Bill (H.R. 3221, the Foreclosure Prevention Act of 2008), overdraft protection & opposition to requiring opt-ins from customers, calculation of an APR (Annual Percentage Rate) for this fee-based product, and disclosure of a potential overdraft at each point of sale and ATM (including H.R. 946, the Consumer Overdraft Protection Fair Practices Act), ability to discharge student loans during bankruptcy & support of the current-law undue hardship standard (in opposition to House Floor Amendment, on ability to discharge private student loan debt in bankruptcy, to H.R. 4137, the College Opportunity and Affordability Act of 2007), interchange rates & opposition to price controls (including H.R. 5546 and S. 3086, both called the Credit Card Fair Fee Act of 2008), bankruptcy reform for qualifying reserve-component active duty members (H.R. 4044, the National Guard and Reservist Debt Relief Act of 2008), and regulatory relief; general monitoring of legislative and regulatory activity impacting the banking industry and informing Members of Congress and their staff about the practices, contributions to the American economy and society, and policy positions of the banking industry.

Lobbied for banking industry positions on issues including credit card practices & support of the principles of risk-based pricing, notice to and choice for customers (including S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007; and H.R. 5244, the Credit Cardholders Bill of Rights Act of 2008), (see addendum page) mortgage bankruptcy & opposition to giving bankruptcy judges unilateral ability to alter mortgage terms (including S. 2136, the Helping Families Save Their Homes in Bankruptcy Act of 2007; S. 2133, the HOMES Act; H.R. 3609, the Emergency Home Ownership and Mortgage Equity Protection Act of 2007; Title IV of S. 2636, the Foreclosure Prevention Act of 2008; Title IV of the Senate substitute version of H.R. 3221, known as the Foreclosure Prevention Act of 2008), mortgage reform/subprime lending/anti-predatory lending (including H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; and S. 2452, the Home Ownership Preservation and Protection Act of 2007), overdraft protection (including H.R. 946, the Consumer Overdraft Protection Fair Practices Act), ability to discharge student loans during bankruptcy & support of the current-law undue hardship standard (in opposition to House Floor Amendment, on ability to discharge private student loan debt in bankruptcy, to H.R. 4137, the College Opportunity and Affordability Act of 2007), bankruptcy reform for qualifying reserve-component active duty members (H.R. 4044), and regulatory relief; general monitoring of legislative and regulatory activity impacting the banking industry and informing Members of Congress and their staff about the practices, contributions to the American economy and society, and policy positions of the banking industry.

Lobbied for banking industry positions on issues including credit card practices & support of the principles of risk-based pricing, notice to and choice for customers (including S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007; H.R. 5244, the Credit Cardholders Bill of Rights Act of 2008; S. 3252, the Credit Card Accountability Responsibility and Disclosure Act of 2008; (see addendum page) and the 2008 Federal Reserve proposal on credit card and overdraft practices), bankruptcy reform, mortgage bankruptcy & opposition to giving bankruptcy judges unilateral ability to alter mortgage terms (including S. 2136, the Helping Families Save Their Homes in Bankruptcy Act of 2007; S. 2133, the HOMES Act; H.R. 3609, the Emergency Home Ownership and Mortgage Equity Protection Act of 2007; Title IV of S. 2636, the Foreclosure Prevention Act of 2008; Title IV of the Senate substitute version of H.R. 3221, the Foreclosure Prevention Act of 2008), mortgage reform/subprime lending/anti-predatory lending (including H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; and S. 2452, the Home Ownership Preservation and Protection Act of 2007), opposition to requirement to report credit/payment card merchant sales financial data to the Internal Revenue Service as a revenue raiser for the Housing Bill (H.R. 3221, the Foreclosure Prevention Act of 2008), overdraft protection & opposition to requiring opt-ins from customers, calculation of an APR (Annual Percentage Rate) for this fee-based product, and disclosure of a potential overdraft at each point of sale and ATM (including H.R. 946, the Consumer Overdraft Protection Fair Practices Act), ability to discharge student loans during bankruptcy & support of the current-law undue hardship standard (in opposition to House Floor Amendment, on ability to discharge private student loan debt in bankruptcy, to H.R. 4137, the College Opportunity and Affordability Act of 2007), interchange rates & opposition to price controls (including H.R. 5546 and S. 3086, both called the Credit Card Fair Fee Act of 2008), bankruptcy reform for qualifying reserve-component active duty members (H.R. 4044, the National Guard and Reservist Debt Relief Act of 2008), and regulatory relief; general monitoring of legislative and regulatory activity impacting the banking industry and informing Members of Congress and their staff about the practices, contributions to the American economy and society, and policy positions of the banking industry.

Lobbied for banking industry positions on issues including credit card practices & support of the principles of risk-based pricing, notice to and choice for customers (including S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007; and H.R. 5244, the Credit Cardholders Bill of Rights Act of 2008), (see addendum page) mortgage bankruptcy & opposition to giving bankruptcy judges unilateral ability to alter mortgage terms (including S. 2136, the Helping Families Save Their Homes in Bankruptcy Act of 2007; S. 2133, the HOMES Act; H.R. 3609, the Emergency Home Ownership and Mortgage Equity Protection Act of 2007; Title IV of S. 2636, the Foreclosure Prevention Act of 2008; Title IV of the Senate substitute version of H.R. 3221, known as the Foreclosure Prevention Act of 2008), mortgage reform/subprime lending/anti-predatory lending (including H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; and S. 2452, the Home Ownership Preservation and Protection Act of 2007), overdraft protection (including H.R. 946, the Consumer Overdraft Protection Fair Practices Act), ability to discharge student loans during bankruptcy & support of the current-law undue hardship standard (in opposition to House Floor Amendment, on ability to discharge private student loan debt in bankruptcy, to H.R. 4137, the College Opportunity and Affordability Act of 2007), bankruptcy reform for qualifying reserve-component active duty members (H.R. 4044), and regulatory relief; general monitoring of legislative and regulatory activity impacting the banking industry and informing Members of Congress and their staff about the practices, contributions to the American economy and society, and policy positions of the banking industry.

Lobbied for banking industry positions on issues including credit card practices & support of the principles of risk-based pricing, notice to and choice for customers (including S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007; H.R. 5244, the Credit Cardholders Bill of Rights Act of 2008; (see addendum page) and the 2008 Federal Reserve proposal on credit card and overdraft practices), bankruptcy reform, mortgage bankruptcy & opposition to giving bankruptcy judges unilateral ability to alter mortgage terms (including S. 2136, the Helping Families Save Their Homes in Bankruptcy Act of 2007; S. 2133, the HOMES Act; H.R. 3609, the Emergency Home Ownership and Mortgage Equity Protection Act of 2007; Title IV of S. 2636, the Foreclosure Prevention Act of 2008; Title IV of the Senate substitute version of H.R. 3221, the Foreclosure Prevention Act of 2008), mortgage reform/subprime lending/anti-predatory lending (including H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; and S. 2452, the Home Ownership Preservation and Protection Act of 2007), opposition to requirement to report credit/payment card merchant sales financial data to the Internal Revenue Service as a revenue raiser for the Housing Bill (H.R. 3221, the Foreclosure Prevention Act of 2008), overdraft protection & opposition to requiring opt-ins from customers, calculation of an APR (Annual Percentage Rate) for this fee-based product, and disclosure of a potential overdraft at each point of sale and ATM (including H.R. 946, the Consumer Overdraft Protection Fair Practices Act), ability to discharge student loans during bankruptcy & support of the current-law undue hardship standard (in opposition to House Floor Amendment, on ability to discharge private student loan debt in bankruptcy, to H.R. 4137, the College Opportunity and Affordability Act of 2007), interchange rates & opposition to price controls (including H.R. 5546 and S. 3086, both called the Credit Card Fair Fee Act of 2008), bankruptcy reform for qualifying reserve-component active duty members (H.R. 4044, the National Guard and Reservist Debt Relief Act of 2008), and regulatory relief; general monitoring of legislative and regulatory activity impacting the banking industry and informing Members of Congress and their staff about the practices, contributions to the American economy and society, and policy positions of the banking industry.

Lobbied for banking industry positions on issues including credit card practices & support of the principles of risk-based pricing, notice to and choice for customers (including S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007; H.R. 5244, the Credit Cardholders Bill of Rights Act of 2008; (see addendum page) and the 2008 Federal Reserve proposal on credit card and overdraft practices), bankruptcy reform, mortgage bankruptcy & opposition to giving bankruptcy judges unilateral ability to alter mortgage terms (including S. 2136, the Helping Families Save Their Homes in Bankruptcy Act of 2007; S. 2133, the HOMES Act; H.R. 3609, the Emergency Home Ownership and Mortgage Equity Protection Act of 2007; Title IV of S. 2636, the Foreclosure Prevention Act of 2008; Title IV of the Senate substitute version of H.R. 3221, the Foreclosure Prevention Act of 2008), mortgage reform/subprime lending/anti-predatory lending (including H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; and S. 2452, the Home Ownership Preservation and Protection Act of 2007), opposition to requirement to report credit/payment card merchant sales financial data to the Internal Revenue Service as a revenue raiser for the Housing Bill (H.R. 3221, the Foreclosure Prevention Act of 2008), overdraft protection & opposition to requiring opt-ins from customers, calculation of an APR (Annual Percentage Rate) for this fee-based product, and disclosure of a potential overdraft at each point of sale and ATM (including H.R. 946, the Consumer Overdraft Protection Fair Practices Act), ability to discharge student loans during bankruptcy & support of the current-law undue hardship standard (in opposition to House Floor Amendment, on ability to discharge private student loan debt in bankruptcy, to H.R. 4137, the College Opportunity and Affordability Act of 2007), interchange rates & opposition to price controls (including H.R. 5546 and S. 3086, both called the Credit Card Fair Fee Act of 2008), bankruptcy reform for qualifying reserve-component active duty members (H.R. 4044, the National Guard and Reservist Debt Relief Act of 2008), and regulatory relief; general monitoring of legislative and regulatory activity impacting the banking industry and informing Members of Congress and their staff about the practices, contributions to the American economy and society, and policy positions of the banking industry.

Lobbied for banking industry positions on issues including credit card practices & support of the principles of risk-based pricing, notice to and choice for customers (including S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007; H.R. 5244, the Credit Cardholders Bill of Rights Act of 2008; S. 3252, the Credit Card Accountability Responsibility and Disclosure Act of 2008; (see addendum page) and the 2008 Federal Reserve proposal on credit card and overdraft practices), bankruptcy reform, mortgage bankruptcy & opposition to giving bankruptcy judges unilateral ability to alter mortgage terms (including S. 2136, the Helping Families Save Their Homes in Bankruptcy Act of 2007; S. 2133, the HOMES Act; H.R. 3609, the Emergency Home Ownership and Mortgage Equity Protection Act of 2007; Title IV of S. 2636, the Foreclosure Prevention Act of 2008; Title IV of the Senate substitute version of H.R. 3221, the Foreclosure Prevention Act of 2008), mortgage reform/subprime lending/anti-predatory lending (including H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; and S. 2452, the Home Ownership Preservation and Protection Act of 2007), opposition to requirement to report credit/payment card merchant sales financial data to the Internal Revenue Service as a revenue raiser for the Housing Bill (H.R. 3221, the Foreclosure Prevention Act of 2008), overdraft protection & opposition to requiring opt-ins from customers, calculation of an APR (Annual Percentage Rate) for this fee-based product, and disclosure of a potential overdraft at each point of sale and ATM (including H.R. 946, the Consumer Overdraft Protection Fair Practices Act), ability to discharge student loans during bankruptcy & support of the current-law undue hardship standard (in opposition to House Floor Amendment, on ability to discharge private student loan debt in bankruptcy, to H.R. 4137, the College Opportunity and Affordability Act of 2007), interchange rates & opposition to price controls (including H.R. 5546 and S. 3086, both called the Credit Card Fair Fee Act of 2008), bankruptcy reform for qualifying reserve-component active duty members (H.R. 4044, the National Guard and Reservist Debt Relief Act of 2008), and regulatory relief; general monitoring of legislative and regulatory activity impacting the banking industry and informing Members of Congress and their staff about the practices, contributions to the American economy and society, and policy positions of the banking industry.

Lobbied for banking industry positions on issues including credit card practices & support of the principles of risk-based pricing, notice to and choice for customers (including S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007; H.R. 5244, the Credit Cardholders Bill of Rights Act of 2008; S. 3252, the Credit Card Accountability Responsibility and Disclosure Act of 2008; (see addendum page) and the 2008 Federal Reserve proposal on credit card and overdraft practices), bankruptcy reform, mortgage bankruptcy & opposition to giving bankruptcy judges unilateral ability to alter mortgage terms (including S. 2136, the Helping Families Save Their Homes in Bankruptcy Act of 2007; S. 2133, the HOMES Act; H.R. 3609, the Emergency Home Ownership and Mortgage Equity Protection Act of 2007; Title IV of S. 2636, the Foreclosure Prevention Act of 2008; Title IV of the Senate substitute version of H.R. 3221, the Foreclosure Prevention Act of 2008), mortgage reform/subprime lending/anti-predatory lending (including H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; and S. 2452, the Home Ownership Preservation and Protection Act of 2007), opposition to requirement to report credit/payment card merchant sales financial data to the Internal Revenue Service as a revenue raiser for the Housing Bill (H.R. 3221, the Foreclosure Prevention Act of 2008), overdraft protection & opposition to requiring opt-ins from customers, calculation of an APR (Annual Percentage Rate) for this fee-based product, and disclosure of a potential overdraft at each point of sale and ATM (including H.R. 946, the Consumer Overdraft Protection Fair Practices Act), ability to discharge student loans during bankruptcy & support of the current-law undue hardship standard (in opposition to House Floor Amendment, on ability to discharge private student loan debt in bankruptcy, to H.R. 4137, the College Opportunity and Affordability Act of 2007), interchange rates & opposition to price controls (including H.R. 5546 and S. 3086, both called the Credit Card Fair Fee Act of 2008), bankruptcy reform for qualifying reserve-component active duty members (H.R. 4044, the National Guard and Reservist Debt Relief Act of 2008), and regulatory relief; general monitoring of legislative and regulatory activity impacting the banking industry and informing Members of Congress and their staff about the practices, contributions to the American economy and society, and policy positions of the banking industry.

Lobbied for banking industry positions on issues including credit card practices & support of the principles of risk-based pricing, notice to and choice for customers (including S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007; H.R. 5244, the Credit Cardholders Bill of Rights Act of 2008; (see addendum page) and the 2008 Federal Reserve proposal on credit card and overdraft practices), bankruptcy reform, mortgage bankruptcy & opposition to giving bankruptcy judges unilateral ability to alter mortgage terms (including S. 2136, the Helping Families Save Their Homes in Bankruptcy Act of 2007; S. 2133, the HOMES Act; H.R. 3609, the Emergency Home Ownership and Mortgage Equity Protection Act of 2007; Title IV of S. 2636, the Foreclosure Prevention Act of 2008; Title IV of the Senate substitute version of H.R. 3221, the Foreclosure Prevention Act of 2008), mortgage reform/subprime lending/anti-predatory lending (including H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; and S. 2452, the Home Ownership Preservation and Protection Act of 2007), opposition to requirement to report credit/payment card merchant sales financial data to the Internal Revenue Service as a revenue raiser for the Housing Bill (H.R. 3221, the Foreclosure Prevention Act of 2008), overdraft protection & opposition to requiring opt-ins from customers, calculation of an APR (Annual Percentage Rate) for this fee-based product, and disclosure of a potential overdraft at each point of sale and ATM (including H.R. 946, the Consumer Overdraft Protection Fair Practices Act), ability to discharge student loans during bankruptcy & support of the current-law undue hardship standard (in opposition to House Floor Amendment, on ability to discharge private student loan debt in bankruptcy, to H.R. 4137, the College Opportunity and Affordability Act of 2007), interchange rates & opposition to price controls (including H.R. 5546 and S. 3086, both called the Credit Card Fair Fee Act of 2008), bankruptcy reform for qualifying reserve-component active duty members (H.R. 4044, the National Guard and Reservist Debt Relief Act of 2008), and regulatory relief; general monitoring of legislative and regulatory activity impacting the banking industry and informing Members of Congress and their staff about the practices, contributions to the American economy and society, and policy positions of the banking industry.

Lobbied for banking industry positions on issues including credit card practices & support of the principles of risk-based pricing, notice to and choice for customers (including S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007; and H.R. 5244, the Credit Cardholders Bill of Rights Act of 2008), (see addendum page) mortgage bankruptcy & opposition to giving bankruptcy judges unilateral ability to alter mortgage terms (including S. 2136, the Helping Families Save Their Homes in Bankruptcy Act of 2007; S. 2133, the HOMES Act; H.R. 3609, the Emergency Home Ownership and Mortgage Equity Protection Act of 2007; Title IV of S. 2636, the Foreclosure Prevention Act of 2008; Title IV of the Senate substitute version of H.R. 3221, known as the Foreclosure Prevention Act of 2008), mortgage reform/subprime lending/anti-predatory lending (including H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; and S. 2452, the Home Ownership Preservation and Protection Act of 2007), overdraft protection (including H.R. 946, the Consumer Overdraft Protection Fair Practices Act), ability to discharge student loans during bankruptcy & support of the current-law undue hardship standard (in opposition to House Floor Amendment, on ability to discharge private student loan debt in bankruptcy, to H.R. 4137, the College Opportunity and Affordability Act of 2007), bankruptcy reform for qualifying reserve-component active duty members (H.R. 4044), and regulatory relief; general monitoring of legislative and regulatory activity impacting the banking industry and informing Members of Congress and their staff about the practices, contributions to the American economy and society, and policy positions of the banking industry.

Lobbied for banking industry positions on issues including credit card practices & support of the principles of risk-based pricing, notice to and choice for customers (including S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007; and H.R. 5244, the Credit Cardholders Bill of Rights Act of 2008), (see addendum page) mortgage bankruptcy & opposition to giving bankruptcy judges unilateral ability to alter mortgage terms (including S. 2136, the Helping Families Save Their Homes in Bankruptcy Act of 2007; S. 2133, the HOMES Act; H.R. 3609, the Emergency Home Ownership and Mortgage Equity Protection Act of 2007; Title IV of S. 2636, the Foreclosure Prevention Act of 2008; Title IV of the Senate substitute version of H.R. 3221, known as the Foreclosure Prevention Act of 2008), mortgage reform/subprime lending/anti-predatory lending (including H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; and S. 2452, the Home Ownership Preservation and Protection Act of 2007), overdraft protection (including H.R. 946, the Consumer Overdraft Protection Fair Practices Act), ability to discharge student loans during bankruptcy & support of the current-law undue hardship standard (in opposition to House Floor Amendment, on ability to discharge private student loan debt in bankruptcy, to H.R. 4137, the College Opportunity and Affordability Act of 2007), bankruptcy reform for qualifying reserve-component active duty members (H.R. 4044), and regulatory relief; general monitoring of legislative and regulatory activity impacting the banking industry and informing Members of Congress and their staff about the practices, contributions to the American economy and society, and policy positions of the banking industry.

Lobbied for banking industry positions on issues including credit card practices & support of the principles of risk-based pricing, notice to and choice for customers (including S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007; H.R. 5244, the Credit Cardholders Bill of Rights Act of 2008; (see addendum page) and the 2008 Federal Reserve proposal on credit card and overdraft practices), bankruptcy reform, mortgage bankruptcy & opposition to giving bankruptcy judges unilateral ability to alter mortgage terms (including S. 2136, the Helping Families Save Their Homes in Bankruptcy Act of 2007; S. 2133, the HOMES Act; H.R. 3609, the Emergency Home Ownership and Mortgage Equity Protection Act of 2007; Title IV of S. 2636, the Foreclosure Prevention Act of 2008; Title IV of the Senate substitute version of H.R. 3221, the Foreclosure Prevention Act of 2008), mortgage reform/subprime lending/anti-predatory lending (including H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; and S. 2452, the Home Ownership Preservation and Protection Act of 2007), opposition to requirement to report credit/payment card merchant sales financial data to the Internal Revenue Service as a revenue raiser for the Housing Bill (H.R. 3221, the Foreclosure Prevention Act of 2008), overdraft protection & opposition to requiring opt-ins from customers, calculation of an APR (Annual Percentage Rate) for this fee-based product, and disclosure of a potential overdraft at each point of sale and ATM (including H.R. 946, the Consumer Overdraft Protection Fair Practices Act), ability to discharge student loans during bankruptcy & support of the current-law undue hardship standard (in opposition to House Floor Amendment, on ability to discharge private student loan debt in bankruptcy, to H.R. 4137, the College Opportunity and Affordability Act of 2007), interchange rates & opposition to price controls (including H.R. 5546 and S. 3086, both called the Credit Card Fair Fee Act of 2008), bankruptcy reform for qualifying reserve-component active duty members (H.R. 4044, the National Guard and Reservist Debt Relief Act of 2008), and regulatory relief; general monitoring of legislative and regulatory activity impacting the banking industry and informing Members of Congress and their staff about the practices, contributions to the American economy and society, and policy positions of the banking industry.

Lobbied for banking industry positions on issues including credit card practices & support of the principles of risk-based pricing, notice to and choice for customers (including S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007; and H.R. 5244, the Credit Cardholders Bill of Rights Act of 2008), (see addendum page) mortgage bankruptcy & opposition to giving bankruptcy judges unilateral ability to alter mortgage terms (including S. 2136, the Helping Families Save Their Homes in Bankruptcy Act of 2007; S. 2133, the HOMES Act; H.R. 3609, the Emergency Home Ownership and Mortgage Equity Protection Act of 2007; Title IV of S. 2636, the Foreclosure Prevention Act of 2008; Title IV of the Senate substitute version of H.R. 3221, known as the Foreclosure Prevention Act of 2008), mortgage reform/subprime lending/anti-predatory lending (including H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; and S. 2452, the Home Ownership Preservation and Protection Act of 2007), overdraft protection (including H.R. 946, the Consumer Overdraft Protection Fair Practices Act), ability to discharge student loans during bankruptcy & support of the current-law undue hardship standard (in opposition to House Floor Amendment, on ability to discharge private student loan debt in bankruptcy, to H.R. 4137, the College Opportunity and Affordability Act of 2007), bankruptcy reform for qualifying reserve-component active duty members (H.R. 4044), and regulatory relief; general monitoring of legislative and regulatory activity impacting the banking industry and informing Members of Congress and their staff about the practices, contributions to the American economy and society, and policy positions of the banking industry.

Lobbied for banking industry positions on issues including credit card practices & support of the principles of risk-based pricing, notice to and choice for customers (including S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007; H.R. 5244, the Credit Cardholders Bill of Rights Act of 2008; (see addendum page) and the 2008 Federal Reserve proposal on credit card and overdraft practices), bankruptcy reform, mortgage bankruptcy & opposition to giving bankruptcy judges unilateral ability to alter mortgage terms (including S. 2136, the Helping Families Save Their Homes in Bankruptcy Act of 2007; S. 2133, the HOMES Act; H.R. 3609, the Emergency Home Ownership and Mortgage Equity Protection Act of 2007; Title IV of S. 2636, the Foreclosure Prevention Act of 2008; Title IV of the Senate substitute version of H.R. 3221, the Foreclosure Prevention Act of 2008), mortgage reform/subprime lending/anti-predatory lending (including H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; and S. 2452, the Home Ownership Preservation and Protection Act of 2007), opposition to requirement to report credit/payment card merchant sales financial data to the Internal Revenue Service as a revenue raiser for the Housing Bill (H.R. 3221, the Foreclosure Prevention Act of 2008), overdraft protection & opposition to requiring opt-ins from customers, calculation of an APR (Annual Percentage Rate) for this fee-based product, and disclosure of a potential overdraft at each point of sale and ATM (including H.R. 946, the Consumer Overdraft Protection Fair Practices Act), ability to discharge student loans during bankruptcy & support of the current-law undue hardship standard (in opposition to House Floor Amendment, on ability to discharge private student loan debt in bankruptcy, to H.R. 4137, the College Opportunity and Affordability Act of 2007), interchange rates & opposition to price controls (including H.R. 5546 and S. 3086, both called the Credit Card Fair Fee Act of 2008), bankruptcy reform for qualifying reserve-component active duty members (H.R. 4044, the National Guard and Reservist Debt Relief Act of 2008), and regulatory relief; general monitoring of legislative and regulatory activity impacting the banking industry and informing Members of Congress and their staff about the practices, contributions to the American economy and society, and policy positions of the banking industry.

Lobbied for banking industry positions on issues including credit card practices & support of the principles of risk-based pricing, notice to and choice for customers (including S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007; H.R. 5244, the Credit Cardholders Bill of Rights Act of 2008; (see addendum page) and the 2008 Federal Reserve proposal on credit card and overdraft practices), bankruptcy reform, mortgage bankruptcy & opposition to giving bankruptcy judges unilateral ability to alter mortgage terms (including S. 2136, the Helping Families Save Their Homes in Bankruptcy Act of 2007; S. 2133, the HOMES Act; H.R. 3609, the Emergency Home Ownership and Mortgage Equity Protection Act of 2007; Title IV of S. 2636, the Foreclosure Prevention Act of 2008; Title IV of the Senate substitute version of H.R. 3221, the Foreclosure Prevention Act of 2008), mortgage reform/subprime lending/anti-predatory lending (including H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; and S. 2452, the Home Ownership Preservation and Protection Act of 2007), opposition to requirement to report credit/payment card merchant sales financial data to the Internal Revenue Service as a revenue raiser for the Housing Bill (H.R. 3221, the Foreclosure Prevention Act of 2008), overdraft protection & opposition to requiring opt-ins from customers, calculation of an APR (Annual Percentage Rate) for this fee-based product, and disclosure of a potential overdraft at each point of sale and ATM (including H.R. 946, the Consumer Overdraft Protection Fair Practices Act), ability to discharge student loans during bankruptcy & support of the current-law undue hardship standard (in opposition to House Floor Amendment, on ability to discharge private student loan debt in bankruptcy, to H.R. 4137, the College Opportunity and Affordability Act of 2007), interchange rates & opposition to price controls (including H.R. 5546 and S. 3086, both called the Credit Card Fair Fee Act of 2008), bankruptcy reform for qualifying reserve-component active duty members (H.R. 4044, the National Guard and Reservist Debt Relief Act of 2008), and regulatory relief; general monitoring of legislative and regulatory activity impacting the banking industry and informing Members of Congress and their staff about the practices, contributions to the American economy and society, and policy positions of the banking industry.

Lobbied for banking industry positions on issues including credit card practices & support of the principles of risk-based pricing, notice to and choice for customers (including S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007; and H.R. 5244, the Credit Cardholders Bill of Rights Act of 2008), (see addendum page) mortgage bankruptcy & opposition to giving bankruptcy judges unilateral ability to alter mortgage terms (including S. 2136, the Helping Families Save Their Homes in Bankruptcy Act of 2007; S. 2133, the HOMES Act; H.R. 3609, the Emergency Home Ownership and Mortgage Equity Protection Act of 2007; Title IV of S. 2636, the Foreclosure Prevention Act of 2008; Title IV of the Senate substitute version of H.R. 3221, known as the Foreclosure Prevention Act of 2008), mortgage reform/subprime lending/anti-predatory lending (including H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; and S. 2452, the Home Ownership Preservation and Protection Act of 2007), overdraft protection (including H.R. 946, the Consumer Overdraft Protection Fair Practices Act), ability to discharge student loans during bankruptcy & support of the current-law undue hardship standard (in opposition to House Floor Amendment, on ability to discharge private student loan debt in bankruptcy, to H.R. 4137, the College Opportunity and Affordability Act of 2007), bankruptcy reform for qualifying reserve-component active duty members (H.R. 4044), and regulatory relief; general monitoring of legislative and regulatory activity impacting the banking industry and informing Members of Congress and their staff about the practices, contributions to the American economy and society, and policy positions of the banking industry.

Lobbied for banking industry positions on issues including credit card practices & support of the principles of risk-based pricing, notice to and choice for customers (including S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007; H.R. 5244, the Credit Cardholders Bill of Rights Act of 2008; S. 3252, the Credit Card Accountability Responsibility and Disclosure Act of 2008; (see addendum page) and the 2008 Federal Reserve proposal on credit card and overdraft practices), bankruptcy reform, mortgage bankruptcy & opposition to giving bankruptcy judges unilateral ability to alter mortgage terms (including S. 2136, the Helping Families Save Their Homes in Bankruptcy Act of 2007; S. 2133, the HOMES Act; H.R. 3609, the Emergency Home Ownership and Mortgage Equity Protection Act of 2007; Title IV of S. 2636, the Foreclosure Prevention Act of 2008; Title IV of the Senate substitute version of H.R. 3221, the Foreclosure Prevention Act of 2008), mortgage reform/subprime lending/anti-predatory lending (including H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; and S. 2452, the Home Ownership Preservation and Protection Act of 2007), opposition to requirement to report credit/payment card merchant sales financial data to the Internal Revenue Service as a revenue raiser for the Housing Bill (H.R. 3221, the Foreclosure Prevention Act of 2008), overdraft protection & opposition to requiring opt-ins from customers, calculation of an APR (Annual Percentage Rate) for this fee-based product, and disclosure of a potential overdraft at each point of sale and ATM (including H.R. 946, the Consumer Overdraft Protection Fair Practices Act), ability to discharge student loans during bankruptcy & support of the current-law undue hardship standard (in opposition to House Floor Amendment, on ability to discharge private student loan debt in bankruptcy, to H.R. 4137, the College Opportunity and Affordability Act of 2007), interchange rates & opposition to price controls (including H.R. 5546 and S. 3086, both called the Credit Card Fair Fee Act of 2008), bankruptcy reform for qualifying reserve-component active duty members (H.R. 4044, the National Guard and Reservist Debt Relief Act of 2008), and regulatory relief; general monitoring of legislative and regulatory activity impacting the banking industry and informing Members of Congress and their staff about the practices, contributions to the American economy and society, and policy positions of the banking industry.

Lobbied for banking industry positions on issues including credit card practices & support of the principles of risk-based pricing, notice to and choice for customers (including S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007; and H.R. 5244, the Credit Cardholders Bill of Rights Act of 2008), (see addendum page) mortgage bankruptcy & opposition to giving bankruptcy judges unilateral ability to alter mortgage terms (including S. 2136, the Helping Families Save Their Homes in Bankruptcy Act of 2007; S. 2133, the HOMES Act; H.R. 3609, the Emergency Home Ownership and Mortgage Equity Protection Act of 2007; Title IV of S. 2636, the Foreclosure Prevention Act of 2008; Title IV of the Senate substitute version of H.R. 3221, known as the Foreclosure Prevention Act of 2008), mortgage reform/subprime lending/anti-predatory lending (including H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; and S. 2452, the Home Ownership Preservation and Protection Act of 2007), overdraft protection (including H.R. 946, the Consumer Overdraft Protection Fair Practices Act), ability to discharge student loans during bankruptcy & support of the current-law undue hardship standard (in opposition to House Floor Amendment, on ability to discharge private student loan debt in bankruptcy, to H.R. 4137, the College Opportunity and Affordability Act of 2007), bankruptcy reform for qualifying reserve-component active duty members (H.R. 4044), and regulatory relief; general monitoring of legislative and regulatory activity impacting the banking industry and informing Members of Congress and their staff about the practices, contributions to the American economy and society, and policy positions of the banking industry.

Lobbied for banking industry positions on issues including credit card practices & support of the principles of risk-based pricing, notice to and choice for customers (including S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007; H.R. 5244, the Credit Cardholders Bill of Rights Act of 2008; S. 3252, the Credit Card Accountability Responsibility and Disclosure Act of 2008; (see addendum page) and the 2008 Federal Reserve proposal on credit card and overdraft practices), bankruptcy reform, mortgage bankruptcy & opposition to giving bankruptcy judges unilateral ability to alter mortgage terms (including S. 2136, the Helping Families Save Their Homes in Bankruptcy Act of 2007; S. 2133, the HOMES Act; H.R. 3609, the Emergency Home Ownership and Mortgage Equity Protection Act of 2007; Title IV of S. 2636, the Foreclosure Prevention Act of 2008; Title IV of the Senate substitute version of H.R. 3221, the Foreclosure Prevention Act of 2008), mortgage reform/subprime lending/anti-predatory lending (including H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; and S. 2452, the Home Ownership Preservation and Protection Act of 2007), opposition to requirement to report credit/payment card merchant sales financial data to the Internal Revenue Service as a revenue raiser for the Housing Bill (H.R. 3221, the Foreclosure Prevention Act of 2008), overdraft protection & opposition to requiring opt-ins from customers, calculation of an APR (Annual Percentage Rate) for this fee-based product, and disclosure of a potential overdraft at each point of sale and ATM (including H.R. 946, the Consumer Overdraft Protection Fair Practices Act), ability to discharge student loans during bankruptcy & support of the current-law undue hardship standard (in opposition to House Floor Amendment, on ability to discharge private student loan debt in bankruptcy, to H.R. 4137, the College Opportunity and Affordability Act of 2007), interchange rates & opposition to price controls (including H.R. 5546 and S. 3086, both called the Credit Card Fair Fee Act of 2008), bankruptcy reform for qualifying reserve-component active duty members (H.R. 4044, the National Guard and Reservist Debt Relief Act of 2008), and regulatory relief; general monitoring of legislative and regulatory activity impacting the banking industry and informing Members of Congress and their staff about the practices, contributions to the American economy and society, and policy positions of the banking industry.

Lobbied for banking industry positions on issues including credit card practices & support of the principles of risk-based pricing, notice to and choice for customers (including S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007; H.R. 5244, the Credit Cardholders Bill of Rights Act of 2008; S. 3252, the Credit Card Accountability Responsibility and Disclosure Act of 2008; (see addendum page) and the 2008 Federal Reserve proposal on credit card and overdraft practices), bankruptcy reform, mortgage bankruptcy & opposition to giving bankruptcy judges unilateral ability to alter mortgage terms (including S. 2136, the Helping Families Save Their Homes in Bankruptcy Act of 2007; S. 2133, the HOMES Act; H.R. 3609, the Emergency Home Ownership and Mortgage Equity Protection Act of 2007; Title IV of S. 2636, the Foreclosure Prevention Act of 2008; Title IV of the Senate substitute version of H.R. 3221, the Foreclosure Prevention Act of 2008), mortgage reform/subprime lending/anti-predatory lending (including H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; and S. 2452, the Home Ownership Preservation and Protection Act of 2007), opposition to requirement to report credit/payment card merchant sales financial data to the Internal Revenue Service as a revenue raiser for the Housing Bill (H.R. 3221, the Foreclosure Prevention Act of 2008), overdraft protection & opposition to requiring opt-ins from customers, calculation of an APR (Annual Percentage Rate) for this fee-based product, and disclosure of a potential overdraft at each point of sale and ATM (including H.R. 946, the Consumer Overdraft Protection Fair Practices Act), ability to discharge student loans during bankruptcy & support of the current-law undue hardship standard (in opposition to House Floor Amendment, on ability to discharge private student loan debt in bankruptcy, to H.R. 4137, the College Opportunity and Affordability Act of 2007), interchange rates & opposition to price controls (including H.R. 5546 and S. 3086, both called the Credit Card Fair Fee Act of 2008), bankruptcy reform for qualifying reserve-component active duty members (H.R. 4044, the National Guard and Reservist Debt Relief Act of 2008), and regulatory relief; general monitoring of legislative and regulatory activity impacting the banking industry and informing Members of Congress and their staff about the practices, contributions to the American economy and society, and policy positions of the banking industry.

Lobbied for banking industry positions on issues including credit card practices & support of the principles of risk-based pricing, notice to and choice for customers (including S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007; and H.R. 5244, the Credit Cardholders Bill of Rights Act of 2008), (see addendum page) mortgage bankruptcy & opposition to giving bankruptcy judges unilateral ability to alter mortgage terms (including S. 2136, the Helping Families Save Their Homes in Bankruptcy Act of 2007; S. 2133, the HOMES Act; H.R. 3609, the Emergency Home Ownership and Mortgage Equity Protection Act of 2007; Title IV of S. 2636, the Foreclosure Prevention Act of 2008; Title IV of the Senate substitute version of H.R. 3221, known as the Foreclosure Prevention Act of 2008), mortgage reform/subprime lending/anti-predatory lending (including H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; and S. 2452, the Home Ownership Preservation and Protection Act of 2007), overdraft protection (including H.R. 946, the Consumer Overdraft Protection Fair Practices Act), ability to discharge student loans during bankruptcy & support of the current-law undue hardship standard (in opposition to House Floor Amendment, on ability to discharge private student loan debt in bankruptcy, to H.R. 4137, the College Opportunity and Affordability Act of 2007), bankruptcy reform for qualifying reserve-component active duty members (H.R. 4044), and regulatory relief; general monitoring of legislative and regulatory activity impacting the banking industry and informing Members of Congress and their staff about the practices, contributions to the American economy and society, and policy positions of the banking industry.

Lobbied for banking industry positions on issues including credit card practices & support of the principles of risk-based pricing, notice to and choice for customers (including S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007; H.R. 5244, the Credit Cardholders Bill of Rights Act of 2008; (see addendum page) and the 2008 Federal Reserve proposal on credit card and overdraft practices), bankruptcy reform, mortgage bankruptcy & opposition to giving bankruptcy judges unilateral ability to alter mortgage terms (including S. 2136, the Helping Families Save Their Homes in Bankruptcy Act of 2007; S. 2133, the HOMES Act; H.R. 3609, the Emergency Home Ownership and Mortgage Equity Protection Act of 2007; Title IV of S. 2636, the Foreclosure Prevention Act of 2008; Title IV of the Senate substitute version of H.R. 3221, the Foreclosure Prevention Act of 2008), mortgage reform/subprime lending/anti-predatory lending (including H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; and S. 2452, the Home Ownership Preservation and Protection Act of 2007), opposition to requirement to report credit/payment card merchant sales financial data to the Internal Revenue Service as a revenue raiser for the Housing Bill (H.R. 3221, the Foreclosure Prevention Act of 2008), overdraft protection & opposition to requiring opt-ins from customers, calculation of an APR (Annual Percentage Rate) for this fee-based product, and disclosure of a potential overdraft at each point of sale and ATM (including H.R. 946, the Consumer Overdraft Protection Fair Practices Act), ability to discharge student loans during bankruptcy & support of the current-law undue hardship standard (in opposition to House Floor Amendment, on ability to discharge private student loan debt in bankruptcy, to H.R. 4137, the College Opportunity and Affordability Act of 2007), interchange rates & opposition to price controls (including H.R. 5546 and S. 3086, both called the Credit Card Fair Fee Act of 2008), bankruptcy reform for qualifying reserve-component active duty members (H.R. 4044, the National Guard and Reservist Debt Relief Act of 2008), and regulatory relief; general monitoring of legislative and regulatory activity impacting the banking industry and informing Members of Congress and their staff about the practices, contributions to the American economy and society, and policy positions of the banking industry.

Lobbied for banking industry positions on issues including credit card practices & support of the principles of risk-based pricing, notice to and choice for customers (including S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007; and H.R. 5244, the Credit Cardholders Bill of Rights Act of 2008), (see addendum page) mortgage bankruptcy & opposition to giving bankruptcy judges unilateral ability to alter mortgage terms (including S. 2136, the Helping Families Save Their Homes in Bankruptcy Act of 2007; S. 2133, the HOMES Act; H.R. 3609, the Emergency Home Ownership and Mortgage Equity Protection Act of 2007; Title IV of S. 2636, the Foreclosure Prevention Act of 2008; Title IV of the Senate substitute version of H.R. 3221, known as the Foreclosure Prevention Act of 2008), mortgage reform/subprime lending/anti-predatory lending (including H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; and S. 2452, the Home Ownership Preservation and Protection Act of 2007), overdraft protection (including H.R. 946, the Consumer Overdraft Protection Fair Practices Act), ability to discharge student loans during bankruptcy & support of the current-law undue hardship standard (in opposition to House Floor Amendment, on ability to discharge private student loan debt in bankruptcy, to H.R. 4137, the College Opportunity and Affordability Act of 2007), bankruptcy reform for qualifying reserve-component active duty members (H.R. 4044), and regulatory relief; general monitoring of legislative and regulatory activity impacting the banking industry and informing Members of Congress and their staff about the practices, contributions to the American economy and society, and policy positions of the banking industry.

Lobbied for banking industry positions on issues including credit card practices & support of the principles of risk-based pricing, notice to and choice for customers (including S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007; H.R. 5244, the Credit Cardholders Bill of Rights Act of 2008; (see addendum page) and the 2008 Federal Reserve proposal on credit card and overdraft practices), bankruptcy reform, mortgage bankruptcy & opposition to giving bankruptcy judges unilateral ability to alter mortgage terms (including S. 2136, the Helping Families Save Their Homes in Bankruptcy Act of 2007; S. 2133, the HOMES Act; H.R. 3609, the Emergency Home Ownership and Mortgage Equity Protection Act of 2007; Title IV of S. 2636, the Foreclosure Prevention Act of 2008; Title IV of the Senate substitute version of H.R. 3221, the Foreclosure Prevention Act of 2008), mortgage reform/subprime lending/anti-predatory lending (including H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; and S. 2452, the Home Ownership Preservation and Protection Act of 2007), opposition to requirement to report credit/payment card merchant sales financial data to the Internal Revenue Service as a revenue raiser for the Housing Bill (H.R. 3221, the Foreclosure Prevention Act of 2008), overdraft protection & opposition to requiring opt-ins from customers, calculation of an APR (Annual Percentage Rate) for this fee-based product, and disclosure of a potential overdraft at each point of sale and ATM (including H.R. 946, the Consumer Overdraft Protection Fair Practices Act), ability to discharge student loans during bankruptcy & support of the current-law undue hardship standard (in opposition to House Floor Amendment, on ability to discharge private student loan debt in bankruptcy, to H.R. 4137, the College Opportunity and Affordability Act of 2007), interchange rates & opposition to price controls (including H.R. 5546 and S. 3086, both called the Credit Card Fair Fee Act of 2008), bankruptcy reform for qualifying reserve-component active duty members (H.R. 4044, the National Guard and Reservist Debt Relief Act of 2008), and regulatory relief; general monitoring of legislative and regulatory activity impacting the banking industry and informing Members of Congress and their staff about the practices, contributions to the American economy and society, and policy positions of the banking industry.

Lobbied for banking industry positions on issues including credit card practices & support of the principles of risk-based pricing, notice to and choice for customers (including S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007; H.R. 5244, the Credit Cardholders Bill of Rights Act of 2008; S. 3252, the Credit Card Accountability Responsibility and Disclosure Act of 2008; (see addendum page) and the 2008 Federal Reserve proposal on credit card and overdraft practices), bankruptcy reform, mortgage bankruptcy & opposition to giving bankruptcy judges unilateral ability to alter mortgage terms (including S. 2136, the Helping Families Save Their Homes in Bankruptcy Act of 2007; S. 2133, the HOMES Act; H.R. 3609, the Emergency Home Ownership and Mortgage Equity Protection Act of 2007; Title IV of S. 2636, the Foreclosure Prevention Act of 2008; Title IV of the Senate substitute version of H.R. 3221, the Foreclosure Prevention Act of 2008), mortgage reform/subprime lending/anti-predatory lending (including H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; and S. 2452, the Home Ownership Preservation and Protection Act of 2007), opposition to requirement to report credit/payment card merchant sales financial data to the Internal Revenue Service as a revenue raiser for the Housing Bill (H.R. 3221, the Foreclosure Prevention Act of 2008), overdraft protection & opposition to requiring opt-ins from customers, calculation of an APR (Annual Percentage Rate) for this fee-based product, and disclosure of a potential overdraft at each point of sale and ATM (including H.R. 946, the Consumer Overdraft Protection Fair Practices Act), ability to discharge student loans during bankruptcy & support of the current-law undue hardship standard (in opposition to House Floor Amendment, on ability to discharge private student loan debt in bankruptcy, to H.R. 4137, the College Opportunity and Affordability Act of 2007), interchange rates & opposition to price controls (including H.R. 5546 and S. 3086, both called the Credit Card Fair Fee Act of 2008), bankruptcy reform for qualifying reserve-component active duty members (H.R. 4044, the National Guard and Reservist Debt Relief Act of 2008), and regulatory relief; general monitoring of legislative and regulatory activity impacting the banking industry and informing Members of Congress and their staff about the practices, contributions to the American economy and society, and policy positions of the banking industry.

Lobbied for banking industry positions on issues including credit card practices & support of the principles of risk-based pricing, notice to and choice for customers (including S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007; and H.R. 5244, the Credit Cardholders Bill of Rights Act of 2008), (see addendum page) mortgage bankruptcy & opposition to giving bankruptcy judges unilateral ability to alter mortgage terms (including S. 2136, the Helping Families Save Their Homes in Bankruptcy Act of 2007; S. 2133, the HOMES Act; H.R. 3609, the Emergency Home Ownership and Mortgage Equity Protection Act of 2007; Title IV of S. 2636, the Foreclosure Prevention Act of 2008; Title IV of the Senate substitute version of H.R. 3221, known as the Foreclosure Prevention Act of 2008), mortgage reform/subprime lending/anti-predatory lending (including H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; and S. 2452, the Home Ownership Preservation and Protection Act of 2007), overdraft protection (including H.R. 946, the Consumer Overdraft Protection Fair Practices Act), ability to discharge student loans during bankruptcy & support of the current-law undue hardship standard (in opposition to House Floor Amendment, on ability to discharge private student loan debt in bankruptcy, to H.R. 4137, the College Opportunity and Affordability Act of 2007), bankruptcy reform for qualifying reserve-component active duty members (H.R. 4044), and regulatory relief; general monitoring of legislative and regulatory activity impacting the banking industry and informing Members of Congress and their staff about the practices, contributions to the American economy and society, and policy positions of the banking industry.

Lobbied for banking industry positions on issues including credit card practices & support of the principles of risk-based pricing, notice to and choice for customers (including S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007; H.R. 5244, the Credit Cardholders Bill of Rights Act of 2008; S. 3252, the Credit Card Accountability Responsibility and Disclosure Act of 2008; (see addendum page) and the 2008 Federal Reserve proposal on credit card and overdraft practices), bankruptcy reform, mortgage bankruptcy & opposition to giving bankruptcy judges unilateral ability to alter mortgage terms (including S. 2136, the Helping Families Save Their Homes in Bankruptcy Act of 2007; S. 2133, the HOMES Act; H.R. 3609, the Emergency Home Ownership and Mortgage Equity Protection Act of 2007; Title IV of S. 2636, the Foreclosure Prevention Act of 2008; Title IV of the Senate substitute version of H.R. 3221, the Foreclosure Prevention Act of 2008), mortgage reform/subprime lending/anti-predatory lending (including H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; and S. 2452, the Home Ownership Preservation and Protection Act of 2007), opposition to requirement to report credit/payment card merchant sales financial data to the Internal Revenue Service as a revenue raiser for the Housing Bill (H.R. 3221, the Foreclosure Prevention Act of 2008), overdraft protection & opposition to requiring opt-ins from customers, calculation of an APR (Annual Percentage Rate) for this fee-based product, and disclosure of a potential overdraft at each point of sale and ATM (including H.R. 946, the Consumer Overdraft Protection Fair Practices Act), ability to discharge student loans during bankruptcy & support of the current-law undue hardship standard (in opposition to House Floor Amendment, on ability to discharge private student loan debt in bankruptcy, to H.R. 4137, the College Opportunity and Affordability Act of 2007), interchange rates & opposition to price controls (including H.R. 5546 and S. 3086, both called the Credit Card Fair Fee Act of 2008), bankruptcy reform for qualifying reserve-component active duty members (H.R. 4044, the National Guard and Reservist Debt Relief Act of 2008), and regulatory relief; general monitoring of legislative and regulatory activity impacting the banking industry and informing Members of Congress and their staff about the practices, contributions to the American economy and society, and policy positions of the banking industry.

Lobbied for banking industry positions on issues including credit card practices & support of the principles of risk-based pricing, notice to and choice for customers (including S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007; H.R. 5244, the Credit Cardholders Bill of Rights Act of 2008; S. 3252, the Credit Card Accountability Responsibility and Disclosure Act of 2008; (see addendum page) and the 2008 Federal Reserve proposal on credit card and overdraft practices), bankruptcy reform, mortgage bankruptcy & opposition to giving bankruptcy judges unilateral ability to alter mortgage terms (including S. 2136, the Helping Families Save Their Homes in Bankruptcy Act of 2007; S. 2133, the HOMES Act; H.R. 3609, the Emergency Home Ownership and Mortgage Equity Protection Act of 2007; Title IV of S. 2636, the Foreclosure Prevention Act of 2008; Title IV of the Senate substitute version of H.R. 3221, the Foreclosure Prevention Act of 2008), mortgage reform/subprime lending/anti-predatory lending (including H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; and S. 2452, the Home Ownership Preservation and Protection Act of 2007), opposition to requirement to report credit/payment card merchant sales financial data to the Internal Revenue Service as a revenue raiser for the Housing Bill (H.R. 3221, the Foreclosure Prevention Act of 2008), overdraft protection & opposition to requiring opt-ins from customers, calculation of an APR (Annual Percentage Rate) for this fee-based product, and disclosure of a potential overdraft at each point of sale and ATM (including H.R. 946, the Consumer Overdraft Protection Fair Practices Act), ability to discharge student loans during bankruptcy & support of the current-law undue hardship standard (in opposition to House Floor Amendment, on ability to discharge private student loan debt in bankruptcy, to H.R. 4137, the College Opportunity and Affordability Act of 2007), interchange rates & opposition to price controls (including H.R. 5546 and S. 3086, both called the Credit Card Fair Fee Act of 2008), bankruptcy reform for qualifying reserve-component active duty members (H.R. 4044, the National Guard and Reservist Debt Relief Act of 2008), and regulatory relief; general monitoring of legislative and regulatory activity impacting the banking industry and informing Members of Congress and their staff about the practices, contributions to the American economy and society, and policy positions of the banking industry.

Lobbied for banking industry positions on issues including credit card practices & support of the principles of risk-based pricing, notice to and choice for customers (including S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007; and H.R. 5244, the Credit Cardholders Bill of Rights Act of 2008), (see addendum page) mortgage bankruptcy & opposition to giving bankruptcy judges unilateral ability to alter mortgage terms (including S. 2136, the Helping Families Save Their Homes in Bankruptcy Act of 2007; S. 2133, the HOMES Act; H.R. 3609, the Emergency Home Ownership and Mortgage Equity Protection Act of 2007; Title IV of S. 2636, the Foreclosure Prevention Act of 2008; Title IV of the Senate substitute version of H.R. 3221, known as the Foreclosure Prevention Act of 2008), mortgage reform/subprime lending/anti-predatory lending (including H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; and S. 2452, the Home Ownership Preservation and Protection Act of 2007), overdraft protection (including H.R. 946, the Consumer Overdraft Protection Fair Practices Act), ability to discharge student loans during bankruptcy & support of the current-law undue hardship standard (in opposition to House Floor Amendment, on ability to discharge private student loan debt in bankruptcy, to H.R. 4137, the College Opportunity and Affordability Act of 2007), bankruptcy reform for qualifying reserve-component active duty members (H.R. 4044), and regulatory relief; general monitoring of legislative and regulatory activity impacting the banking industry and informing Members of Congress and their staff about the practices, contributions to the American economy and society, and policy positions of the banking industry.

Lobbied for banking industry positions on issues including credit card practices & support of the principles of risk-based pricing, notice to and choice for customers (including S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007; H.R. 5244, the Credit Cardholders Bill of Rights Act of 2008; (see addendum page) and the 2008 Federal Reserve proposal on credit card and overdraft practices), bankruptcy reform, mortgage bankruptcy & opposition to giving bankruptcy judges unilateral ability to alter mortgage terms (including S. 2136, the Helping Families Save Their Homes in Bankruptcy Act of 2007; S. 2133, the HOMES Act; H.R. 3609, the Emergency Home Ownership and Mortgage Equity Protection Act of 2007; Title IV of S. 2636, the Foreclosure Prevention Act of 2008; Title IV of the Senate substitute version of H.R. 3221, the Foreclosure Prevention Act of 2008), mortgage reform/subprime lending/anti-predatory lending (including H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; and S. 2452, the Home Ownership Preservation and Protection Act of 2007), opposition to requirement to report credit/payment card merchant sales financial data to the Internal Revenue Service as a revenue raiser for the Housing Bill (H.R. 3221, the Foreclosure Prevention Act of 2008), overdraft protection & opposition to requiring opt-ins from customers, calculation of an APR (Annual Percentage Rate) for this fee-based product, and disclosure of a potential overdraft at each point of sale and ATM (including H.R. 946, the Consumer Overdraft Protection Fair Practices Act), ability to discharge student loans during bankruptcy & support of the current-law undue hardship standard (in opposition to House Floor Amendment, on ability to discharge private student loan debt in bankruptcy, to H.R. 4137, the College Opportunity and Affordability Act of 2007), interchange rates & opposition to price controls (including H.R. 5546 and S. 3086, both called the Credit Card Fair Fee Act of 2008), bankruptcy reform for qualifying reserve-component active duty members (H.R. 4044, the National Guard and Reservist Debt Relief Act of 2008), and regulatory relief; general monitoring of legislative and regulatory activity impacting the banking industry and informing Members of Congress and their staff about the practices, contributions to the American economy and society, and policy positions of the banking industry.

Lobbied for banking industry positions on issues including credit card practices & support of the principles of risk-based pricing, notice to and choice for customers (including S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007; H.R. 5244, the Credit Cardholders Bill of Rights Act of 2008; (see addendum page) and the 2008 Federal Reserve proposal on credit card and overdraft practices), bankruptcy reform, mortgage bankruptcy & opposition to giving bankruptcy judges unilateral ability to alter mortgage terms (including S. 2136, the Helping Families Save Their Homes in Bankruptcy Act of 2007; S. 2133, the HOMES Act; H.R. 3609, the Emergency Home Ownership and Mortgage Equity Protection Act of 2007; Title IV of S. 2636, the Foreclosure Prevention Act of 2008; Title IV of the Senate substitute version of H.R. 3221, the Foreclosure Prevention Act of 2008), mortgage reform/subprime lending/anti-predatory lending (including H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; and S. 2452, the Home Ownership Preservation and Protection Act of 2007), opposition to requirement to report credit/payment card merchant sales financial data to the Internal Revenue Service as a revenue raiser for the Housing Bill (H.R. 3221, the Foreclosure Prevention Act of 2008), overdraft protection & opposition to requiring opt-ins from customers, calculation of an APR (Annual Percentage Rate) for this fee-based product, and disclosure of a potential overdraft at each point of sale and ATM (including H.R. 946, the Consumer Overdraft Protection Fair Practices Act), ability to discharge student loans during bankruptcy & support of the current-law undue hardship standard (in opposition to House Floor Amendment, on ability to discharge private student loan debt in bankruptcy, to H.R. 4137, the College Opportunity and Affordability Act of 2007), interchange rates & opposition to price controls (including H.R. 5546 and S. 3086, both called the Credit Card Fair Fee Act of 2008), bankruptcy reform for qualifying reserve-component active duty members (H.R. 4044, the National Guard and Reservist Debt Relief Act of 2008), and regulatory relief; general monitoring of legislative and regulatory activity impacting the banking industry and informing Members of Congress and their staff about the practices, contributions to the American economy and society, and policy positions of the banking industry.

Lobbied for banking industry positions on issues including credit card practices & support of the principles of risk-based pricing, notice to and choice for customers (including S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007; H.R. 5244, the Credit Cardholders Bill of Rights Act of 2008; S. 3252, the Credit Card Accountability Responsibility and Disclosure Act of 2008; (see addendum page) and the 2008 Federal Reserve proposal on credit card and overdraft practices), bankruptcy reform, mortgage bankruptcy & opposition to giving bankruptcy judges unilateral ability to alter mortgage terms (including S. 2136, the Helping Families Save Their Homes in Bankruptcy Act of 2007; S. 2133, the HOMES Act; H.R. 3609, the Emergency Home Ownership and Mortgage Equity Protection Act of 2007; Title IV of S. 2636, the Foreclosure Prevention Act of 2008; Title IV of the Senate substitute version of H.R. 3221, the Foreclosure Prevention Act of 2008), mortgage reform/subprime lending/anti-predatory lending (including H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; and S. 2452, the Home Ownership Preservation and Protection Act of 2007), opposition to requirement to report credit/payment card merchant sales financial data to the Internal Revenue Service as a revenue raiser for the Housing Bill (H.R. 3221, the Foreclosure Prevention Act of 2008), overdraft protection & opposition to requiring opt-ins from customers, calculation of an APR (Annual Percentage Rate) for this fee-based product, and disclosure of a potential overdraft at each point of sale and ATM (including H.R. 946, the Consumer Overdraft Protection Fair Practices Act), ability to discharge student loans during bankruptcy & support of the current-law undue hardship standard (in opposition to House Floor Amendment, on ability to discharge private student loan debt in bankruptcy, to H.R. 4137, the College Opportunity and Affordability Act of 2007), interchange rates & opposition to price controls (including H.R. 5546 and S. 3086, both called the Credit Card Fair Fee Act of 2008), bankruptcy reform for qualifying reserve-component active duty members (H.R. 4044, the National Guard and Reservist Debt Relief Act of 2008), and regulatory relief; general monitoring of legislative and regulatory activity impacting the banking industry and informing Members of Congress and their staff about the practices, contributions to the American economy and society, and policy positions of the banking industry.

Lobbied for banking industry positions on issues including credit card practices & support of the principles of risk-based pricing, notice to and choice for customers (including S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007; H.R. 5244, the Credit Cardholders Bill of Rights Act of 2008; (see addendum page) and the 2008 Federal Reserve proposal on credit card and overdraft practices), bankruptcy reform, mortgage bankruptcy & opposition to giving bankruptcy judges unilateral ability to alter mortgage terms (including S. 2136, the Helping Families Save Their Homes in Bankruptcy Act of 2007; S. 2133, the HOMES Act; H.R. 3609, the Emergency Home Ownership and Mortgage Equity Protection Act of 2007; Title IV of S. 2636, the Foreclosure Prevention Act of 2008; Title IV of the Senate substitute version of H.R. 3221, the Foreclosure Prevention Act of 2008), mortgage reform/subprime lending/anti-predatory lending (including H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; and S. 2452, the Home Ownership Preservation and Protection Act of 2007), opposition to requirement to report credit/payment card merchant sales financial data to the Internal Revenue Service as a revenue raiser for the Housing Bill (H.R. 3221, the Foreclosure Prevention Act of 2008), overdraft protection & opposition to requiring opt-ins from customers, calculation of an APR (Annual Percentage Rate) for this fee-based product, and disclosure of a potential overdraft at each point of sale and ATM (including H.R. 946, the Consumer Overdraft Protection Fair Practices Act), ability to discharge student loans during bankruptcy & support of the current-law undue hardship standard (in opposition to House Floor Amendment, on ability to discharge private student loan debt in bankruptcy, to H.R. 4137, the College Opportunity and Affordability Act of 2007), interchange rates & opposition to price controls (including H.R. 5546 and S. 3086, both called the Credit Card Fair Fee Act of 2008), bankruptcy reform for qualifying reserve-component active duty members (H.R. 4044, the National Guard and Reservist Debt Relief Act of 2008), and regulatory relief; general monitoring of legislative and regulatory activity impacting the banking industry and informing Members of Congress and their staff about the practices, contributions to the American economy and society, and policy positions of the banking industry.

Lobbied for banking industry positions on issues including credit card practices & support of the principles of risk-based pricing, notice to and choice for customers (including S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007; H.R. 5244, the Credit Cardholders Bill of Rights Act of 2008; S. 3252, the Credit Card Accountability Responsibility and Disclosure Act of 2008; (see addendum page) and the 2008 Federal Reserve proposal on credit card and overdraft practices), bankruptcy reform, mortgage bankruptcy & opposition to giving bankruptcy judges unilateral ability to alter mortgage terms (including S. 2136, the Helping Families Save Their Homes in Bankruptcy Act of 2007; S. 2133, the HOMES Act; H.R. 3609, the Emergency Home Ownership and Mortgage Equity Protection Act of 2007; Title IV of S. 2636, the Foreclosure Prevention Act of 2008; Title IV of the Senate substitute version of H.R. 3221, the Foreclosure Prevention Act of 2008), mortgage reform/subprime lending/anti-predatory lending (including H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; and S. 2452, the Home Ownership Preservation and Protection Act of 2007), opposition to requirement to report credit/payment card merchant sales financial data to the Internal Revenue Service as a revenue raiser for the Housing Bill (H.R. 3221, the Foreclosure Prevention Act of 2008), overdraft protection & opposition to requiring opt-ins from customers, calculation of an APR (Annual Percentage Rate) for this fee-based product, and disclosure of a potential overdraft at each point of sale and ATM (including H.R. 946, the Consumer Overdraft Protection Fair Practices Act), ability to discharge student loans during bankruptcy & support of the current-law undue hardship standard (in opposition to House Floor Amendment, on ability to discharge private student loan debt in bankruptcy, to H.R. 4137, the College Opportunity and Affordability Act of 2007), interchange rates & opposition to price controls (including H.R. 5546 and S. 3086, both called the Credit Card Fair Fee Act of 2008), bankruptcy reform for qualifying reserve-component active duty members (H.R. 4044, the National Guard and Reservist Debt Relief Act of 2008), and regulatory relief; general monitoring of legislative and regulatory activity impacting the banking industry and informing Members of Congress and their staff about the practices, contributions to the American economy and society, and policy positions of the banking industry.

Lobbied for banking industry positions on issues including credit card practices & support of the principles of risk-based pricing, notice to and choice for customers (including S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007; H.R. 5244, the Credit Cardholders Bill of Rights Act of 2008; (see addendum page) and the 2008 Federal Reserve proposal on credit card and overdraft practices), bankruptcy reform, mortgage bankruptcy & opposition to giving bankruptcy judges unilateral ability to alter mortgage terms (including S. 2136, the Helping Families Save Their Homes in Bankruptcy Act of 2007; S. 2133, the HOMES Act; H.R. 3609, the Emergency Home Ownership and Mortgage Equity Protection Act of 2007; Title IV of S. 2636, the Foreclosure Prevention Act of 2008; Title IV of the Senate substitute version of H.R. 3221, the Foreclosure Prevention Act of 2008), mortgage reform/subprime lending/anti-predatory lending (including H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; and S. 2452, the Home Ownership Preservation and Protection Act of 2007), opposition to requirement to report credit/payment card merchant sales financial data to the Internal Revenue Service as a revenue raiser for the Housing Bill (H.R. 3221, the Foreclosure Prevention Act of 2008), overdraft protection & opposition to requiring opt-ins from customers, calculation of an APR (Annual Percentage Rate) for this fee-based product, and disclosure of a potential overdraft at each point of sale and ATM (including H.R. 946, the Consumer Overdraft Protection Fair Practices Act), ability to discharge student loans during bankruptcy & support of the current-law undue hardship standard (in opposition to House Floor Amendment, on ability to discharge private student loan debt in bankruptcy, to H.R. 4137, the College Opportunity and Affordability Act of 2007), interchange rates & opposition to price controls (including H.R. 5546 and S. 3086, both called the Credit Card Fair Fee Act of 2008), bankruptcy reform for qualifying reserve-component active duty members (H.R. 4044, the National Guard and Reservist Debt Relief Act of 2008), and regulatory relief; general monitoring of legislative and regulatory activity impacting the banking industry and informing Members of Congress and their staff about the practices, contributions to the American economy and society, and policy positions of the banking industry.

Lobbied for banking industry positions on issues including credit card practices & support of the principles of risk-based pricing, notice to and choice for customers (including S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007; H.R. 5244, the Credit Cardholders Bill of Rights Act of 2008; (see addendum page) and the 2008 Federal Reserve proposal on credit card and overdraft practices), bankruptcy reform, mortgage bankruptcy & opposition to giving bankruptcy judges unilateral ability to alter mortgage terms (including S. 2136, the Helping Families Save Their Homes in Bankruptcy Act of 2007; S. 2133, the HOMES Act; H.R. 3609, the Emergency Home Ownership and Mortgage Equity Protection Act of 2007; Title IV of S. 2636, the Foreclosure Prevention Act of 2008; Title IV of the Senate substitute version of H.R. 3221, the Foreclosure Prevention Act of 2008), mortgage reform/subprime lending/anti-predatory lending (including H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; and S. 2452, the Home Ownership Preservation and Protection Act of 2007), opposition to requirement to report credit/payment card merchant sales financial data to the Internal Revenue Service as a revenue raiser for the Housing Bill (H.R. 3221, the Foreclosure Prevention Act of 2008), overdraft protection & opposition to requiring opt-ins from customers, calculation of an APR (Annual Percentage Rate) for this fee-based product, and disclosure of a potential overdraft at each point of sale and ATM (including H.R. 946, the Consumer Overdraft Protection Fair Practices Act), ability to discharge student loans during bankruptcy & support of the current-law undue hardship standard (in opposition to House Floor Amendment, on ability to discharge private student loan debt in bankruptcy, to H.R. 4137, the College Opportunity and Affordability Act of 2007), interchange rates & opposition to price controls (including H.R. 5546 and S. 3086, both called the Credit Card Fair Fee Act of 2008), bankruptcy reform for qualifying reserve-component active duty members (H.R. 4044, the National Guard and Reservist Debt Relief Act of 2008), and regulatory relief; general monitoring of legislative and regulatory activity impacting the banking industry and informing Members of Congress and their staff about the practices, contributions to the American economy and society, and policy positions of the banking industry.

Lobbied for banking industry positions on issues including credit card practices & support of the principles of risk-based pricing, notice to and choice for customers (including S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007; and H.R. 5244, the Credit Cardholders Bill of Rights Act of 2008), (see addendum page) mortgage bankruptcy & opposition to giving bankruptcy judges unilateral ability to alter mortgage terms (including S. 2136, the Helping Families Save Their Homes in Bankruptcy Act of 2007; S. 2133, the HOMES Act; H.R. 3609, the Emergency Home Ownership and Mortgage Equity Protection Act of 2007; Title IV of S. 2636, the Foreclosure Prevention Act of 2008; Title IV of the Senate substitute version of H.R. 3221, known as the Foreclosure Prevention Act of 2008), mortgage reform/subprime lending/anti-predatory lending (including H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; and S. 2452, the Home Ownership Preservation and Protection Act of 2007), overdraft protection (including H.R. 946, the Consumer Overdraft Protection Fair Practices Act), ability to discharge student loans during bankruptcy & support of the current-law undue hardship standard (in opposition to House Floor Amendment, on ability to discharge private student loan debt in bankruptcy, to H.R. 4137, the College Opportunity and Affordability Act of 2007), bankruptcy reform for qualifying reserve-component active duty members (H.R. 4044), and regulatory relief; general monitoring of legislative and regulatory activity impacting the banking industry and informing Members of Congress and their staff about the practices, contributions to the American economy and society, and policy positions of the banking industry.

Lobbied for banking industry positions on issues including credit card practices & support of the principles of risk-based pricing, notice to and choice for customers (including S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007; and H.R. 5244, the Credit Cardholders Bill of Rights Act of 2008), (see addendum page) mortgage bankruptcy & opposition to giving bankruptcy judges unilateral ability to alter mortgage terms (including S. 2136, the Helping Families Save Their Homes in Bankruptcy Act of 2007; S. 2133, the HOMES Act; H.R. 3609, the Emergency Home Ownership and Mortgage Equity Protection Act of 2007; Title IV of S. 2636, the Foreclosure Prevention Act of 2008; Title IV of the Senate substitute version of H.R. 3221, known as the Foreclosure Prevention Act of 2008), mortgage reform/subprime lending/anti-predatory lending (including H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; and S. 2452, the Home Ownership Preservation and Protection Act of 2007), overdraft protection (including H.R. 946, the Consumer Overdraft Protection Fair Practices Act), ability to discharge student loans during bankruptcy & support of the current-law undue hardship standard (in opposition to House Floor Amendment, on ability to discharge private student loan debt in bankruptcy, to H.R. 4137, the College Opportunity and Affordability Act of 2007), bankruptcy reform for qualifying reserve-component active duty members (H.R. 4044), and regulatory relief; general monitoring of legislative and regulatory activity impacting the banking industry and informing Members of Congress and their staff about the practices, contributions to the American economy and society, and policy positions of the banking industry.

Lobbied for banking industry positions on issues including credit card practices & support of the principles of risk-based pricing, notice to and choice for customers (including S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007; H.R. 5244, the Credit Cardholders Bill of Rights Act of 2008; (see addendum page) and the 2008 Federal Reserve proposal on credit card and overdraft practices), bankruptcy reform, mortgage bankruptcy & opposition to giving bankruptcy judges unilateral ability to alter mortgage terms (including S. 2136, the Helping Families Save Their Homes in Bankruptcy Act of 2007; S. 2133, the HOMES Act; H.R. 3609, the Emergency Home Ownership and Mortgage Equity Protection Act of 2007; Title IV of S. 2636, the Foreclosure Prevention Act of 2008; Title IV of the Senate substitute version of H.R. 3221, the Foreclosure Prevention Act of 2008), mortgage reform/subprime lending/anti-predatory lending (including H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; and S. 2452, the Home Ownership Preservation and Protection Act of 2007), opposition to requirement to report credit/payment card merchant sales financial data to the Internal Revenue Service as a revenue raiser for the Housing Bill (H.R. 3221, the Foreclosure Prevention Act of 2008), overdraft protection & opposition to requiring opt-ins from customers, calculation of an APR (Annual Percentage Rate) for this fee-based product, and disclosure of a potential overdraft at each point of sale and ATM (including H.R. 946, the Consumer Overdraft Protection Fair Practices Act), ability to discharge student loans during bankruptcy & support of the current-law undue hardship standard (in opposition to House Floor Amendment, on ability to discharge private student loan debt in bankruptcy, to H.R. 4137, the College Opportunity and Affordability Act of 2007), interchange rates & opposition to price controls (including H.R. 5546 and S. 3086, both called the Credit Card Fair Fee Act of 2008), bankruptcy reform for qualifying reserve-component active duty members (H.R. 4044, the National Guard and Reservist Debt Relief Act of 2008), and regulatory relief; general monitoring of legislative and regulatory activity impacting the banking industry and informing Members of Congress and their staff about the practices, contributions to the American economy and society, and policy positions of the banking industry.

Lobbied for banking industry positions on issues including credit card practices & support of the principles of risk-based pricing, notice to and choice for customers (including S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007; and H.R. 5244, the Credit Cardholders Bill of Rights Act of 2008), (see addendum page) mortgage bankruptcy & opposition to giving bankruptcy judges unilateral ability to alter mortgage terms (including S. 2136, the Helping Families Save Their Homes in Bankruptcy Act of 2007; S. 2133, the HOMES Act; H.R. 3609, the Emergency Home Ownership and Mortgage Equity Protection Act of 2007; Title IV of S. 2636, the Foreclosure Prevention Act of 2008; Title IV of the Senate substitute version of H.R. 3221, known as the Foreclosure Prevention Act of 2008), mortgage reform/subprime lending/anti-predatory lending (including H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; and S. 2452, the Home Ownership Preservation and Protection Act of 2007), overdraft protection (including H.R. 946, the Consumer Overdraft Protection Fair Practices Act), ability to discharge student loans during bankruptcy & support of the current-law undue hardship standard (in opposition to House Floor Amendment, on ability to discharge private student loan debt in bankruptcy, to H.R. 4137, the College Opportunity and Affordability Act of 2007), bankruptcy reform for qualifying reserve-component active duty members (H.R. 4044), and regulatory relief; general monitoring of legislative and regulatory activity impacting the banking industry and informing Members of Congress and their staff about the practices, contributions to the American economy and society, and policy positions of the banking industry.

Lobbied for banking industry positions on issues including credit card practices & support of the principles of risk-based pricing, notice to and choice for customers (including S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007; H.R. 5244, the Credit Cardholders Bill of Rights Act of 2008; S. 3252, the Credit Card Accountability Responsibility and Disclosure Act of 2008; (see addendum page) and the 2008 Federal Reserve proposal on credit card and overdraft practices), bankruptcy reform, mortgage bankruptcy & opposition to giving bankruptcy judges unilateral ability to alter mortgage terms (including S. 2136, the Helping Families Save Their Homes in Bankruptcy Act of 2007; S. 2133, the HOMES Act; H.R. 3609, the Emergency Home Ownership and Mortgage Equity Protection Act of 2007; Title IV of S. 2636, the Foreclosure Prevention Act of 2008; Title IV of the Senate substitute version of H.R. 3221, the Foreclosure Prevention Act of 2008), mortgage reform/subprime lending/anti-predatory lending (including H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; and S. 2452, the Home Ownership Preservation and Protection Act of 2007), opposition to requirement to report credit/payment card merchant sales financial data to the Internal Revenue Service as a revenue raiser for the Housing Bill (H.R. 3221, the Foreclosure Prevention Act of 2008), overdraft protection & opposition to requiring opt-ins from customers, calculation of an APR (Annual Percentage Rate) for this fee-based product, and disclosure of a potential overdraft at each point of sale and ATM (including H.R. 946, the Consumer Overdraft Protection Fair Practices Act), ability to discharge student loans during bankruptcy & support of the current-law undue hardship standard (in opposition to House Floor Amendment, on ability to discharge private student loan debt in bankruptcy, to H.R. 4137, the College Opportunity and Affordability Act of 2007), interchange rates & opposition to price controls (including H.R. 5546 and S. 3086, both called the Credit Card Fair Fee Act of 2008), bankruptcy reform for qualifying reserve-component active duty members (H.R. 4044, the National Guard and Reservist Debt Relief Act of 2008), and regulatory relief; general monitoring of legislative and regulatory activity impacting the banking industry and informing Members of Congress and their staff about the practices, contributions to the American economy and society, and policy positions of the banking industry.

Lobbied for banking industry positions on issues including credit card practices & support of the principles of risk-based pricing, notice to and choice for customers (including S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007; and H.R. 5244, the Credit Cardholders Bill of Rights Act of 2008), (see addendum page) mortgage bankruptcy & opposition to giving bankruptcy judges unilateral ability to alter mortgage terms (including S. 2136, the Helping Families Save Their Homes in Bankruptcy Act of 2007; S. 2133, the HOMES Act; H.R. 3609, the Emergency Home Ownership and Mortgage Equity Protection Act of 2007; Title IV of S. 2636, the Foreclosure Prevention Act of 2008; Title IV of the Senate substitute version of H.R. 3221, known as the Foreclosure Prevention Act of 2008), mortgage reform/subprime lending/anti-predatory lending (including H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; and S. 2452, the Home Ownership Preservation and Protection Act of 2007), overdraft protection (including H.R. 946, the Consumer Overdraft Protection Fair Practices Act), ability to discharge student loans during bankruptcy & support of the current-law undue hardship standard (in opposition to House Floor Amendment, on ability to discharge private student loan debt in bankruptcy, to H.R. 4137, the College Opportunity and Affordability Act of 2007), bankruptcy reform for qualifying reserve-component active duty members (H.R. 4044), and regulatory relief; general monitoring of legislative and regulatory activity impacting the banking industry and informing Members of Congress and their staff about the practices, contributions to the American economy and society, and policy positions of the banking industry.

Lobbied for banking industry positions on issues including credit card practices & support of the principles of risk-based pricing, notice to and choice for customers (including S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007; H.R. 5244, the Credit Cardholders Bill of Rights Act of 2008; (see addendum page) and the 2008 Federal Reserve proposal on credit card and overdraft practices), bankruptcy reform, mortgage bankruptcy & opposition to giving bankruptcy judges unilateral ability to alter mortgage terms (including S. 2136, the Helping Families Save Their Homes in Bankruptcy Act of 2007; S. 2133, the HOMES Act; H.R. 3609, the Emergency Home Ownership and Mortgage Equity Protection Act of 2007; Title IV of S. 2636, the Foreclosure Prevention Act of 2008; Title IV of the Senate substitute version of H.R. 3221, the Foreclosure Prevention Act of 2008), mortgage reform/subprime lending/anti-predatory lending (including H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; and S. 2452, the Home Ownership Preservation and Protection Act of 2007), opposition to requirement to report credit/payment card merchant sales financial data to the Internal Revenue Service as a revenue raiser for the Housing Bill (H.R. 3221, the Foreclosure Prevention Act of 2008), overdraft protection & opposition to requiring opt-ins from customers, calculation of an APR (Annual Percentage Rate) for this fee-based product, and disclosure of a potential overdraft at each point of sale and ATM (including H.R. 946, the Consumer Overdraft Protection Fair Practices Act), ability to discharge student loans during bankruptcy & support of the current-law undue hardship standard (in opposition to House Floor Amendment, on ability to discharge private student loan debt in bankruptcy, to H.R. 4137, the College Opportunity and Affordability Act of 2007), interchange rates & opposition to price controls (including H.R. 5546 and S. 3086, both called the Credit Card Fair Fee Act of 2008), bankruptcy reform for qualifying reserve-component active duty members (H.R. 4044, the National Guard and Reservist Debt Relief Act of 2008), and regulatory relief; general monitoring of legislative and regulatory activity impacting the banking industry and informing Members of Congress and their staff about the practices, contributions to the American economy and society, and policy positions of the banking industry.

Lobbied for banking industry positions on issues including credit card practices & support of the principles of risk-based pricing, notice to and choice for customers (including S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007; H.R. 5244, the Credit Cardholders Bill of Rights Act of 2008; S. 3252, the Credit Card Accountability Responsibility and Disclosure Act of 2008; (see addendum page) and the 2008 Federal Reserve proposal on credit card and overdraft practices), bankruptcy reform, mortgage bankruptcy & opposition to giving bankruptcy judges unilateral ability to alter mortgage terms (including S. 2136, the Helping Families Save Their Homes in Bankruptcy Act of 2007; S. 2133, the HOMES Act; H.R. 3609, the Emergency Home Ownership and Mortgage Equity Protection Act of 2007; Title IV of S. 2636, the Foreclosure Prevention Act of 2008; Title IV of the Senate substitute version of H.R. 3221, the Foreclosure Prevention Act of 2008), mortgage reform/subprime lending/anti-predatory lending (including H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; and S. 2452, the Home Ownership Preservation and Protection Act of 2007), opposition to requirement to report credit/payment card merchant sales financial data to the Internal Revenue Service as a revenue raiser for the Housing Bill (H.R. 3221, the Foreclosure Prevention Act of 2008), overdraft protection & opposition to requiring opt-ins from customers, calculation of an APR (Annual Percentage Rate) for this fee-based product, and disclosure of a potential overdraft at each point of sale and ATM (including H.R. 946, the Consumer Overdraft Protection Fair Practices Act), ability to discharge student loans during bankruptcy & support of the current-law undue hardship standard (in opposition to House Floor Amendment, on ability to discharge private student loan debt in bankruptcy, to H.R. 4137, the College Opportunity and Affordability Act of 2007), interchange rates & opposition to price controls (including H.R. 5546 and S. 3086, both called the Credit Card Fair Fee Act of 2008), bankruptcy reform for qualifying reserve-component active duty members (H.R. 4044, the National Guard and Reservist Debt Relief Act of 2008), and regulatory relief; general monitoring of legislative and regulatory activity impacting the banking industry and informing Members of Congress and their staff about the practices, contributions to the American economy and society, and policy positions of the banking industry.

Lobbied for banking industry positions on issues including credit card practices & support of the principles of risk-based pricing, notice to and choice for customers (including S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007; H.R. 5244, the Credit Cardholders Bill of Rights Act of 2008; S. 3252, the Credit Card Accountability Responsibility and Disclosure Act of 2008; (see addendum page) and the 2008 Federal Reserve proposal on credit card and overdraft practices), bankruptcy reform, mortgage bankruptcy & opposition to giving bankruptcy judges unilateral ability to alter mortgage terms (including S. 2136, the Helping Families Save Their Homes in Bankruptcy Act of 2007; S. 2133, the HOMES Act; H.R. 3609, the Emergency Home Ownership and Mortgage Equity Protection Act of 2007; Title IV of S. 2636, the Foreclosure Prevention Act of 2008; Title IV of the Senate substitute version of H.R. 3221, the Foreclosure Prevention Act of 2008), mortgage reform/subprime lending/anti-predatory lending (including H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; and S. 2452, the Home Ownership Preservation and Protection Act of 2007), opposition to requirement to report credit/payment card merchant sales financial data to the Internal Revenue Service as a revenue raiser for the Housing Bill (H.R. 3221, the Foreclosure Prevention Act of 2008), overdraft protection & opposition to requiring opt-ins from customers, calculation of an APR (Annual Percentage Rate) for this fee-based product, and disclosure of a potential overdraft at each point of sale and ATM (including H.R. 946, the Consumer Overdraft Protection Fair Practices Act), ability to discharge student loans during bankruptcy & support of the current-law undue hardship standard (in opposition to House Floor Amendment, on ability to discharge private student loan debt in bankruptcy, to H.R. 4137, the College Opportunity and Affordability Act of 2007), interchange rates & opposition to price controls (including H.R. 5546 and S. 3086, both called the Credit Card Fair Fee Act of 2008), bankruptcy reform for qualifying reserve-component active duty members (H.R. 4044, the National Guard and Reservist Debt Relief Act of 2008), and regulatory relief; general monitoring of legislative and regulatory activity impacting the banking industry and informing Members of Congress and their staff about the practices, contributions to the American economy and society, and policy positions of the banking industry.

Lobbied for banking industry positions on issues including credit card practices & support of the principles of risk-based pricing, notice to and choice for customers (including S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007; and H.R. 5244, the Credit Cardholders Bill of Rights Act of 2008), (see addendum page) mortgage bankruptcy & opposition to giving bankruptcy judges unilateral ability to alter mortgage terms (including S. 2136, the Helping Families Save Their Homes in Bankruptcy Act of 2007; S. 2133, the HOMES Act; H.R. 3609, the Emergency Home Ownership and Mortgage Equity Protection Act of 2007; Title IV of S. 2636, the Foreclosure Prevention Act of 2008; Title IV of the Senate substitute version of H.R. 3221, known as the Foreclosure Prevention Act of 2008), mortgage reform/subprime lending/anti-predatory lending (including H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; and S. 2452, the Home Ownership Preservation and Protection Act of 2007), overdraft protection (including H.R. 946, the Consumer Overdraft Protection Fair Practices Act), ability to discharge student loans during bankruptcy & support of the current-law undue hardship standard (in opposition to House Floor Amendment, on ability to discharge private student loan debt in bankruptcy, to H.R. 4137, the College Opportunity and Affordability Act of 2007), bankruptcy reform for qualifying reserve-component active duty members (H.R. 4044), and regulatory relief; general monitoring of legislative and regulatory activity impacting the banking industry and informing Members of Congress and their staff about the practices, contributions to the American economy and society, and policy positions of the banking industry.

Lobbied for banking industry positions on issues including credit card practices & support of the principles of risk-based pricing, notice to and choice for customers (including S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007; and H.R. 5244, the Credit Cardholders Bill of Rights Act of 2008), (see addendum page) mortgage bankruptcy & opposition to giving bankruptcy judges unilateral ability to alter mortgage terms (including S. 2136, the Helping Families Save Their Homes in Bankruptcy Act of 2007; S. 2133, the HOMES Act; H.R. 3609, the Emergency Home Ownership and Mortgage Equity Protection Act of 2007; Title IV of S. 2636, the Foreclosure Prevention Act of 2008; Title IV of the Senate substitute version of H.R. 3221, known as the Foreclosure Prevention Act of 2008), mortgage reform/subprime lending/anti-predatory lending (including H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; and S. 2452, the Home Ownership Preservation and Protection Act of 2007), overdraft protection (including H.R. 946, the Consumer Overdraft Protection Fair Practices Act), ability to discharge student loans during bankruptcy & support of the current-law undue hardship standard (in opposition to House Floor Amendment, on ability to discharge private student loan debt in bankruptcy, to H.R. 4137, the College Opportunity and Affordability Act of 2007), bankruptcy reform for qualifying reserve-component active duty members (H.R. 4044), and regulatory relief; general monitoring of legislative and regulatory activity impacting the banking industry and informing Members of Congress and their staff about the practices, contributions to the American economy and society, and policy positions of the banking industry.

Lobbied for banking industry positions on issues including credit card practices & support of the principles of risk-based pricing, notice to and choice for customers (including S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007; H.R. 5244, the Credit Cardholders Bill of Rights Act of 2008; (see addendum page) and the 2008 Federal Reserve proposal on credit card and overdraft practices), bankruptcy reform, mortgage bankruptcy & opposition to giving bankruptcy judges unilateral ability to alter mortgage terms (including S. 2136, the Helping Families Save Their Homes in Bankruptcy Act of 2007; S. 2133, the HOMES Act; H.R. 3609, the Emergency Home Ownership and Mortgage Equity Protection Act of 2007; Title IV of S. 2636, the Foreclosure Prevention Act of 2008; Title IV of the Senate substitute version of H.R. 3221, the Foreclosure Prevention Act of 2008), mortgage reform/subprime lending/anti-predatory lending (including H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; and S. 2452, the Home Ownership Preservation and Protection Act of 2007), opposition to requirement to report credit/payment card merchant sales financial data to the Internal Revenue Service as a revenue raiser for the Housing Bill (H.R. 3221, the Foreclosure Prevention Act of 2008), overdraft protection & opposition to requiring opt-ins from customers, calculation of an APR (Annual Percentage Rate) for this fee-based product, and disclosure of a potential overdraft at each point of sale and ATM (including H.R. 946, the Consumer Overdraft Protection Fair Practices Act), ability to discharge student loans during bankruptcy & support of the current-law undue hardship standard (in opposition to House Floor Amendment, on ability to discharge private student loan debt in bankruptcy, to H.R. 4137, the College Opportunity and Affordability Act of 2007), interchange rates & opposition to price controls (including H.R. 5546 and S. 3086, both called the Credit Card Fair Fee Act of 2008), bankruptcy reform for qualifying reserve-component active duty members (H.R. 4044, the National Guard and Reservist Debt Relief Act of 2008), and regulatory relief; general monitoring of legislative and regulatory activity impacting the banking industry and informing Members of Congress and their staff about the practices, contributions to the American economy and society, and policy positions of the banking industry.

Lobbied for banking industry positions on issues including credit card practices & support of the principles of risk-based pricing, notice to and choice for customers (including S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007; H.R. 5244, the Credit Cardholders Bill of Rights Act of 2008; S. 3252, the Credit Card Accountability Responsibility and Disclosure Act of 2008; (see addendum page) and the 2008 Federal Reserve proposal on credit card and overdraft practices), bankruptcy reform, mortgage bankruptcy & opposition to giving bankruptcy judges unilateral ability to alter mortgage terms (including S. 2136, the Helping Families Save Their Homes in Bankruptcy Act of 2007; S. 2133, the HOMES Act; H.R. 3609, the Emergency Home Ownership and Mortgage Equity Protection Act of 2007; Title IV of S. 2636, the Foreclosure Prevention Act of 2008; Title IV of the Senate substitute version of H.R. 3221, the Foreclosure Prevention Act of 2008), mortgage reform/subprime lending/anti-predatory lending (including H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; and S. 2452, the Home Ownership Preservation and Protection Act of 2007), opposition to requirement to report credit/payment card merchant sales financial data to the Internal Revenue Service as a revenue raiser for the Housing Bill (H.R. 3221, the Foreclosure Prevention Act of 2008), overdraft protection & opposition to requiring opt-ins from customers, calculation of an APR (Annual Percentage Rate) for this fee-based product, and disclosure of a potential overdraft at each point of sale and ATM (including H.R. 946, the Consumer Overdraft Protection Fair Practices Act), ability to discharge student loans during bankruptcy & support of the current-law undue hardship standard (in opposition to House Floor Amendment, on ability to discharge private student loan debt in bankruptcy, to H.R. 4137, the College Opportunity and Affordability Act of 2007), interchange rates & opposition to price controls (including H.R. 5546 and S. 3086, both called the Credit Card Fair Fee Act of 2008), bankruptcy reform for qualifying reserve-component active duty members (H.R. 4044, the National Guard and Reservist Debt Relief Act of 2008), and regulatory relief; general monitoring of legislative and regulatory activity impacting the banking industry and informing Members of Congress and their staff about the practices, contributions to the American economy and society, and policy positions of the banking industry.

Lobbied for banking industry positions on issues including credit card practices & support of the principles of risk-based pricing, notice to and choice for customers (including S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007; H.R. 5244, the Credit Cardholders Bill of Rights Act of 2008; S. 3252, the Credit Card Accountability Responsibility and Disclosure Act of 2008; (see addendum page) and the 2008 Federal Reserve proposal on credit card and overdraft practices), bankruptcy reform, mortgage bankruptcy & opposition to giving bankruptcy judges unilateral ability to alter mortgage terms (including S. 2136, the Helping Families Save Their Homes in Bankruptcy Act of 2007; S. 2133, the HOMES Act; H.R. 3609, the Emergency Home Ownership and Mortgage Equity Protection Act of 2007; Title IV of S. 2636, the Foreclosure Prevention Act of 2008; Title IV of the Senate substitute version of H.R. 3221, the Foreclosure Prevention Act of 2008), mortgage reform/subprime lending/anti-predatory lending (including H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; and S. 2452, the Home Ownership Preservation and Protection Act of 2007), opposition to requirement to report credit/payment card merchant sales financial data to the Internal Revenue Service as a revenue raiser for the Housing Bill (H.R. 3221, the Foreclosure Prevention Act of 2008), overdraft protection & opposition to requiring opt-ins from customers, calculation of an APR (Annual Percentage Rate) for this fee-based product, and disclosure of a potential overdraft at each point of sale and ATM (including H.R. 946, the Consumer Overdraft Protection Fair Practices Act), ability to discharge student loans during bankruptcy & support of the current-law undue hardship standard (in opposition to House Floor Amendment, on ability to discharge private student loan debt in bankruptcy, to H.R. 4137, the College Opportunity and Affordability Act of 2007), interchange rates & opposition to price controls (including H.R. 5546 and S. 3086, both called the Credit Card Fair Fee Act of 2008), bankruptcy reform for qualifying reserve-component active duty members (H.R. 4044, the National Guard and Reservist Debt Relief Act of 2008), and regulatory relief; general monitoring of legislative and regulatory activity impacting the banking industry and informing Members of Congress and their staff about the practices, contributions to the American economy and society, and policy positions of the banking industry.

Lobbied for banking industry positions on issues including credit card practices & support of the principles of risk-based pricing, notice to and choice for customers (including S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007; and H.R. 5244, the Credit Cardholders Bill of Rights Act of 2008), (see addendum page) mortgage bankruptcy & opposition to giving bankruptcy judges unilateral ability to alter mortgage terms (including S. 2136, the Helping Families Save Their Homes in Bankruptcy Act of 2007; S. 2133, the HOMES Act; H.R. 3609, the Emergency Home Ownership and Mortgage Equity Protection Act of 2007; Title IV of S. 2636, the Foreclosure Prevention Act of 2008; Title IV of the Senate substitute version of H.R. 3221, known as the Foreclosure Prevention Act of 2008), mortgage reform/subprime lending/anti-predatory lending (including H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; and S. 2452, the Home Ownership Preservation and Protection Act of 2007), overdraft protection (including H.R. 946, the Consumer Overdraft Protection Fair Practices Act), ability to discharge student loans during bankruptcy & support of the current-law undue hardship standard (in opposition to House Floor Amendment, on ability to discharge private student loan debt in bankruptcy, to H.R. 4137, the College Opportunity and Affordability Act of 2007), bankruptcy reform for qualifying reserve-component active duty members (H.R. 4044), and regulatory relief; general monitoring of legislative and regulatory activity impacting the banking industry and informing Members of Congress and their staff about the practices, contributions to the American economy and society, and policy positions of the banking industry.

Lobbied for banking industry positions on issues including credit card practices & support of the principles of risk-based pricing, notice to and choice for customers (including S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007; H.R. 5244, the Credit Cardholders Bill of Rights Act of 2008; (see addendum page) and the 2008 Federal Reserve proposal on credit card and overdraft practices), bankruptcy reform, mortgage bankruptcy & opposition to giving bankruptcy judges unilateral ability to alter mortgage terms (including S. 2136, the Helping Families Save Their Homes in Bankruptcy Act of 2007; S. 2133, the HOMES Act; H.R. 3609, the Emergency Home Ownership and Mortgage Equity Protection Act of 2007; Title IV of S. 2636, the Foreclosure Prevention Act of 2008; Title IV of the Senate substitute version of H.R. 3221, the Foreclosure Prevention Act of 2008), mortgage reform/subprime lending/anti-predatory lending (including H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; and S. 2452, the Home Ownership Preservation and Protection Act of 2007), opposition to requirement to report credit/payment card merchant sales financial data to the Internal Revenue Service as a revenue raiser for the Housing Bill (H.R. 3221, the Foreclosure Prevention Act of 2008), overdraft protection & opposition to requiring opt-ins from customers, calculation of an APR (Annual Percentage Rate) for this fee-based product, and disclosure of a potential overdraft at each point of sale and ATM (including H.R. 946, the Consumer Overdraft Protection Fair Practices Act), ability to discharge student loans during bankruptcy & support of the current-law undue hardship standard (in opposition to House Floor Amendment, on ability to discharge private student loan debt in bankruptcy, to H.R. 4137, the College Opportunity and Affordability Act of 2007), interchange rates & opposition to price controls (including H.R. 5546 and S. 3086, both called the Credit Card Fair Fee Act of 2008), bankruptcy reform for qualifying reserve-component active duty members (H.R. 4044, the National Guard and Reservist Debt Relief Act of 2008), and regulatory relief; general monitoring of legislative and regulatory activity impacting the banking industry and informing Members of Congress and their staff about the practices, contributions to the American economy and society, and policy positions of the banking industry.

Lobbied for banking industry positions on issues including credit card practices & support of the principles of risk-based pricing, notice to and choice for customers (including S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007; H.R. 5244, the Credit Cardholders Bill of Rights Act of 2008; S. 3252, the Credit Card Accountability Responsibility and Disclosure Act of 2008; (see addendum page) and the 2008 Federal Reserve proposal on credit card and overdraft practices), bankruptcy reform, mortgage bankruptcy & opposition to giving bankruptcy judges unilateral ability to alter mortgage terms (including S. 2136, the Helping Families Save Their Homes in Bankruptcy Act of 2007; S. 2133, the HOMES Act; H.R. 3609, the Emergency Home Ownership and Mortgage Equity Protection Act of 2007; Title IV of S. 2636, the Foreclosure Prevention Act of 2008; Title IV of the Senate substitute version of H.R. 3221, the Foreclosure Prevention Act of 2008), mortgage reform/subprime lending/anti-predatory lending (including H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; and S. 2452, the Home Ownership Preservation and Protection Act of 2007), opposition to requirement to report credit/payment card merchant sales financial data to the Internal Revenue Service as a revenue raiser for the Housing Bill (H.R. 3221, the Foreclosure Prevention Act of 2008), overdraft protection & opposition to requiring opt-ins from customers, calculation of an APR (Annual Percentage Rate) for this fee-based product, and disclosure of a potential overdraft at each point of sale and ATM (including H.R. 946, the Consumer Overdraft Protection Fair Practices Act), ability to discharge student loans during bankruptcy & support of the current-law undue hardship standard (in opposition to House Floor Amendment, on ability to discharge private student loan debt in bankruptcy, to H.R. 4137, the College Opportunity and Affordability Act of 2007), interchange rates & opposition to price controls (including H.R. 5546 and S. 3086, both called the Credit Card Fair Fee Act of 2008), bankruptcy reform for qualifying reserve-component active duty members (H.R. 4044, the National Guard and Reservist Debt Relief Act of 2008), and regulatory relief; general monitoring of legislative and regulatory activity impacting the banking industry and informing Members of Congress and their staff about the practices, contributions to the American economy and society, and policy positions of the banking industry.

Lobbied for banking industry positions on issues including credit card practices & support of the principles of risk-based pricing, notice to and choice for customers (including S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007; H.R. 5244, the Credit Cardholders Bill of Rights Act of 2008; (see addendum page) and the 2008 Federal Reserve proposal on credit card and overdraft practices), bankruptcy reform, mortgage bankruptcy & opposition to giving bankruptcy judges unilateral ability to alter mortgage terms (including S. 2136, the Helping Families Save Their Homes in Bankruptcy Act of 2007; S. 2133, the HOMES Act; H.R. 3609, the Emergency Home Ownership and Mortgage Equity Protection Act of 2007; Title IV of S. 2636, the Foreclosure Prevention Act of 2008; Title IV of the Senate substitute version of H.R. 3221, the Foreclosure Prevention Act of 2008), mortgage reform/subprime lending/anti-predatory lending (including H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; and S. 2452, the Home Ownership Preservation and Protection Act of 2007), opposition to requirement to report credit/payment card merchant sales financial data to the Internal Revenue Service as a revenue raiser for the Housing Bill (H.R. 3221, the Foreclosure Prevention Act of 2008), overdraft protection & opposition to requiring opt-ins from customers, calculation of an APR (Annual Percentage Rate) for this fee-based product, and disclosure of a potential overdraft at each point of sale and ATM (including H.R. 946, the Consumer Overdraft Protection Fair Practices Act), ability to discharge student loans during bankruptcy & support of the current-law undue hardship standard (in opposition to House Floor Amendment, on ability to discharge private student loan debt in bankruptcy, to H.R. 4137, the College Opportunity and Affordability Act of 2007), interchange rates & opposition to price controls (including H.R. 5546 and S. 3086, both called the Credit Card Fair Fee Act of 2008), bankruptcy reform for qualifying reserve-component active duty members (H.R. 4044, the National Guard and Reservist Debt Relief Act of 2008), and regulatory relief; general monitoring of legislative and regulatory activity impacting the banking industry and informing Members of Congress and their staff about the practices, contributions to the American economy and society, and policy positions of the banking industry.

Lobbied for banking industry positions on issues including credit card practices & support of the principles of risk-based pricing, notice to and choice for customers (including S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007; H.R. 5244, the Credit Cardholders Bill of Rights Act of 2008; (see addendum page) and the 2008 Federal Reserve proposal on credit card and overdraft practices), bankruptcy reform, mortgage bankruptcy & opposition to giving bankruptcy judges unilateral ability to alter mortgage terms (including S. 2136, the Helping Families Save Their Homes in Bankruptcy Act of 2007; S. 2133, the HOMES Act; H.R. 3609, the Emergency Home Ownership and Mortgage Equity Protection Act of 2007; Title IV of S. 2636, the Foreclosure Prevention Act of 2008; Title IV of the Senate substitute version of H.R. 3221, the Foreclosure Prevention Act of 2008), mortgage reform/subprime lending/anti-predatory lending (including H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; and S. 2452, the Home Ownership Preservation and Protection Act of 2007), opposition to requirement to report credit/payment card merchant sales financial data to the Internal Revenue Service as a revenue raiser for the Housing Bill (H.R. 3221, the Foreclosure Prevention Act of 2008), overdraft protection & opposition to requiring opt-ins from customers, calculation of an APR (Annual Percentage Rate) for this fee-based product, and disclosure of a potential overdraft at each point of sale and ATM (including H.R. 946, the Consumer Overdraft Protection Fair Practices Act), ability to discharge student loans during bankruptcy & support of the current-law undue hardship standard (in opposition to House Floor Amendment, on ability to discharge private student loan debt in bankruptcy, to H.R. 4137, the College Opportunity and Affordability Act of 2007), interchange rates & opposition to price controls (including H.R. 5546 and S. 3086, both called the Credit Card Fair Fee Act of 2008), bankruptcy reform for qualifying reserve-component active duty members (H.R. 4044, the National Guard and Reservist Debt Relief Act of 2008), and regulatory relief; general monitoring of legislative and regulatory activity impacting the banking industry and informing Members of Congress and their staff about the practices, contributions to the American economy and society, and policy positions of the banking industry.

Lobbied for banking industry positions on issues including credit card practices & support of the principles of risk-based pricing, notice to and choice for customers (including S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007; H.R. 5244, the Credit Cardholders Bill of Rights Act of 2008; S. 3252, the Credit Card Accountability Responsibility and Disclosure Act of 2008; (see addendum page) and the 2008 Federal Reserve proposal on credit card and overdraft practices), bankruptcy reform, mortgage bankruptcy & opposition to giving bankruptcy judges unilateral ability to alter mortgage terms (including S. 2136, the Helping Families Save Their Homes in Bankruptcy Act of 2007; S. 2133, the HOMES Act; H.R. 3609, the Emergency Home Ownership and Mortgage Equity Protection Act of 2007; Title IV of S. 2636, the Foreclosure Prevention Act of 2008; Title IV of the Senate substitute version of H.R. 3221, the Foreclosure Prevention Act of 2008), mortgage reform/subprime lending/anti-predatory lending (including H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; and S. 2452, the Home Ownership Preservation and Protection Act of 2007), opposition to requirement to report credit/payment card merchant sales financial data to the Internal Revenue Service as a revenue raiser for the Housing Bill (H.R. 3221, the Foreclosure Prevention Act of 2008), overdraft protection & opposition to requiring opt-ins from customers, calculation of an APR (Annual Percentage Rate) for this fee-based product, and disclosure of a potential overdraft at each point of sale and ATM (including H.R. 946, the Consumer Overdraft Protection Fair Practices Act), ability to discharge student loans during bankruptcy & support of the current-law undue hardship standard (in opposition to House Floor Amendment, on ability to discharge private student loan debt in bankruptcy, to H.R. 4137, the College Opportunity and Affordability Act of 2007), interchange rates & opposition to price controls (including H.R. 5546 and S. 3086, both called the Credit Card Fair Fee Act of 2008), bankruptcy reform for qualifying reserve-component active duty members (H.R. 4044, the National Guard and Reservist Debt Relief Act of 2008), and regulatory relief; general monitoring of legislative and regulatory activity impacting the banking industry and informing Members of Congress and their staff about the practices, contributions to the American economy and society, and policy positions of the banking industry.

Lobbied for banking industry positions on issues including credit card practices & support of the principles of risk-based pricing, notice to and choice for customers (including S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007; H.R. 5244, the Credit Cardholders Bill of Rights Act of 2008; (see addendum page) and the 2008 Federal Reserve proposal on credit card and overdraft practices), bankruptcy reform, mortgage bankruptcy & opposition to giving bankruptcy judges unilateral ability to alter mortgage terms (including S. 2136, the Helping Families Save Their Homes in Bankruptcy Act of 2007; S. 2133, the HOMES Act; H.R. 3609, the Emergency Home Ownership and Mortgage Equity Protection Act of 2007; Title IV of S. 2636, the Foreclosure Prevention Act of 2008; Title IV of the Senate substitute version of H.R. 3221, the Foreclosure Prevention Act of 2008), mortgage reform/subprime lending/anti-predatory lending (including H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; and S. 2452, the Home Ownership Preservation and Protection Act of 2007), opposition to requirement to report credit/payment card merchant sales financial data to the Internal Revenue Service as a revenue raiser for the Housing Bill (H.R. 3221, the Foreclosure Prevention Act of 2008), overdraft protection & opposition to requiring opt-ins from customers, calculation of an APR (Annual Percentage Rate) for this fee-based product, and disclosure of a potential overdraft at each point of sale and ATM (including H.R. 946, the Consumer Overdraft Protection Fair Practices Act), ability to discharge student loans during bankruptcy & support of the current-law undue hardship standard (in opposition to House Floor Amendment, on ability to discharge private student loan debt in bankruptcy, to H.R. 4137, the College Opportunity and Affordability Act of 2007), interchange rates & opposition to price controls (including H.R. 5546 and S. 3086, both called the Credit Card Fair Fee Act of 2008), bankruptcy reform for qualifying reserve-component active duty members (H.R. 4044, the National Guard and Reservist Debt Relief Act of 2008), and regulatory relief; general monitoring of legislative and regulatory activity impacting the banking industry and informing Members of Congress and their staff about the practices, contributions to the American economy and society, and policy positions of the banking industry.

Lobbied for banking industry positions on issues including credit card practices & support of the principles of risk-based pricing, notice to and choice for customers (including S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007; H.R. 5244, the Credit Cardholders Bill of Rights Act of 2008; S. 3252, the Credit Card Accountability Responsibility and Disclosure Act of 2008; (see addendum page) and the 2008 Federal Reserve proposal on credit card and overdraft practices), bankruptcy reform, mortgage bankruptcy & opposition to giving bankruptcy judges unilateral ability to alter mortgage terms (including S. 2136, the Helping Families Save Their Homes in Bankruptcy Act of 2007; S. 2133, the HOMES Act; H.R. 3609, the Emergency Home Ownership and Mortgage Equity Protection Act of 2007; Title IV of S. 2636, the Foreclosure Prevention Act of 2008; Title IV of the Senate substitute version of H.R. 3221, the Foreclosure Prevention Act of 2008), mortgage reform/subprime lending/anti-predatory lending (including H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; and S. 2452, the Home Ownership Preservation and Protection Act of 2007), opposition to requirement to report credit/payment card merchant sales financial data to the Internal Revenue Service as a revenue raiser for the Housing Bill (H.R. 3221, the Foreclosure Prevention Act of 2008), overdraft protection & opposition to requiring opt-ins from customers, calculation of an APR (Annual Percentage Rate) for this fee-based product, and disclosure of a potential overdraft at each point of sale and ATM (including H.R. 946, the Consumer Overdraft Protection Fair Practices Act), ability to discharge student loans during bankruptcy & support of the current-law undue hardship standard (in opposition to House Floor Amendment, on ability to discharge private student loan debt in bankruptcy, to H.R. 4137, the College Opportunity and Affordability Act of 2007), interchange rates & opposition to price controls (including H.R. 5546 and S. 3086, both called the Credit Card Fair Fee Act of 2008), bankruptcy reform for qualifying reserve-component active duty members (H.R. 4044, the National Guard and Reservist Debt Relief Act of 2008), and regulatory relief; general monitoring of legislative and regulatory activity impacting the banking industry and informing Members of Congress and their staff about the practices, contributions to the American economy and society, and policy positions of the banking industry.

Lobbied for banking industry positions on issues including credit card practices & support of the principles of risk-based pricing, notice to and choice for customers (including S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007; H.R. 5244, the Credit Cardholders Bill of Rights Act of 2008; S. 3252, the Credit Card Accountability Responsibility and Disclosure Act of 2008; (see addendum page) and the 2008 Federal Reserve proposal on credit card and overdraft practices), bankruptcy reform, mortgage bankruptcy & opposition to giving bankruptcy judges unilateral ability to alter mortgage terms (including S. 2136, the Helping Families Save Their Homes in Bankruptcy Act of 2007; S. 2133, the HOMES Act; H.R. 3609, the Emergency Home Ownership and Mortgage Equity Protection Act of 2007; Title IV of S. 2636, the Foreclosure Prevention Act of 2008; Title IV of the Senate substitute version of H.R. 3221, the Foreclosure Prevention Act of 2008), mortgage reform/subprime lending/anti-predatory lending (including H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; and S. 2452, the Home Ownership Preservation and Protection Act of 2007), opposition to requirement to report credit/payment card merchant sales financial data to the Internal Revenue Service as a revenue raiser for the Housing Bill (H.R. 3221, the Foreclosure Prevention Act of 2008), overdraft protection & opposition to requiring opt-ins from customers, calculation of an APR (Annual Percentage Rate) for this fee-based product, and disclosure of a potential overdraft at each point of sale and ATM (including H.R. 946, the Consumer Overdraft Protection Fair Practices Act), ability to discharge student loans during bankruptcy & support of the current-law undue hardship standard (in opposition to House Floor Amendment, on ability to discharge private student loan debt in bankruptcy, to H.R. 4137, the College Opportunity and Affordability Act of 2007), interchange rates & opposition to price controls (including H.R. 5546 and S. 3086, both called the Credit Card Fair Fee Act of 2008), bankruptcy reform for qualifying reserve-component active duty members (H.R. 4044, the National Guard and Reservist Debt Relief Act of 2008), and regulatory relief; general monitoring of legislative and regulatory activity impacting the banking industry and informing Members of Congress and their staff about the practices, contributions to the American economy and society, and policy positions of the banking industry.

Lobbied for banking industry positions on issues including credit card practices & support of the principles of risk-based pricing, notice to and choice for customers (including S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007; H.R. 5244, the Credit Cardholders Bill of Rights Act of 2008; S. 3252, the Credit Card Accountability Responsibility and Disclosure Act of 2008; (see addendum page) and the 2008 Federal Reserve proposal on credit card and overdraft practices), bankruptcy reform, mortgage bankruptcy & opposition to giving bankruptcy judges unilateral ability to alter mortgage terms (including S. 2136, the Helping Families Save Their Homes in Bankruptcy Act of 2007; S. 2133, the HOMES Act; H.R. 3609, the Emergency Home Ownership and Mortgage Equity Protection Act of 2007; Title IV of S. 2636, the Foreclosure Prevention Act of 2008; Title IV of the Senate substitute version of H.R. 3221, the Foreclosure Prevention Act of 2008), mortgage reform/subprime lending/anti-predatory lending (including H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; and S. 2452, the Home Ownership Preservation and Protection Act of 2007), opposition to requirement to report credit/payment card merchant sales financial data to the Internal Revenue Service as a revenue raiser for the Housing Bill (H.R. 3221, the Foreclosure Prevention Act of 2008), overdraft protection & opposition to requiring opt-ins from customers, calculation of an APR (Annual Percentage Rate) for this fee-based product, and disclosure of a potential overdraft at each point of sale and ATM (including H.R. 946, the Consumer Overdraft Protection Fair Practices Act), ability to discharge student loans during bankruptcy & support of the current-law undue hardship standard (in opposition to House Floor Amendment, on ability to discharge private student loan debt in bankruptcy, to H.R. 4137, the College Opportunity and Affordability Act of 2007), interchange rates & opposition to price controls (including H.R. 5546 and S. 3086, both called the Credit Card Fair Fee Act of 2008), bankruptcy reform for qualifying reserve-component active duty members (H.R. 4044, the National Guard and Reservist Debt Relief Act of 2008), and regulatory relief; general monitoring of legislative and regulatory activity impacting the banking industry and informing Members of Congress and their staff about the practices, contributions to the American economy and society, and policy positions of the banking industry.

Lobbied for banking industry positions on issues including credit card practices & support of the principles of risk-based pricing, notice to and choice for customers (including S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007; H.R. 5244, the Credit Cardholders Bill of Rights Act of 2008; S. 3252, the Credit Card Accountability Responsibility and Disclosure Act of 2008; (see addendum page) and the 2008 Federal Reserve proposal on credit card and overdraft practices), bankruptcy reform, mortgage bankruptcy & opposition to giving bankruptcy judges unilateral ability to alter mortgage terms (including S. 2136, the Helping Families Save Their Homes in Bankruptcy Act of 2007; S. 2133, the HOMES Act; H.R. 3609, the Emergency Home Ownership and Mortgage Equity Protection Act of 2007; Title IV of S. 2636, the Foreclosure Prevention Act of 2008; Title IV of the Senate substitute version of H.R. 3221, the Foreclosure Prevention Act of 2008), mortgage reform/subprime lending/anti-predatory lending (including H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; and S. 2452, the Home Ownership Preservation and Protection Act of 2007), opposition to requirement to report credit/payment card merchant sales financial data to the Internal Revenue Service as a revenue raiser for the Housing Bill (H.R. 3221, the Foreclosure Prevention Act of 2008), overdraft protection & opposition to requiring opt-ins from customers, calculation of an APR (Annual Percentage Rate) for this fee-based product, and disclosure of a potential overdraft at each point of sale and ATM (including H.R. 946, the Consumer Overdraft Protection Fair Practices Act), ability to discharge student loans during bankruptcy & support of the current-law undue hardship standard (in opposition to House Floor Amendment, on ability to discharge private student loan debt in bankruptcy, to H.R. 4137, the College Opportunity and Affordability Act of 2007), interchange rates & opposition to price controls (including H.R. 5546 and S. 3086, both called the Credit Card Fair Fee Act of 2008), bankruptcy reform for qualifying reserve-component active duty members (H.R. 4044, the National Guard and Reservist Debt Relief Act of 2008), and regulatory relief; general monitoring of legislative and regulatory activity impacting the banking industry and informing Members of Congress and their staff about the practices, contributions to the American economy and society, and policy positions of the banking industry.

Lobbied for banking industry positions on issues including credit card practices & support of the principles of risk-based pricing, notice to and choice for customers (including S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007; H.R. 5244, the Credit Cardholders Bill of Rights Act of 2008; (see addendum page) and the 2008 Federal Reserve proposal on credit card and overdraft practices), bankruptcy reform, mortgage bankruptcy & opposition to giving bankruptcy judges unilateral ability to alter mortgage terms (including S. 2136, the Helping Families Save Their Homes in Bankruptcy Act of 2007; S. 2133, the HOMES Act; H.R. 3609, the Emergency Home Ownership and Mortgage Equity Protection Act of 2007; Title IV of S. 2636, the Foreclosure Prevention Act of 2008; Title IV of the Senate substitute version of H.R. 3221, the Foreclosure Prevention Act of 2008), mortgage reform/subprime lending/anti-predatory lending (including H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; and S. 2452, the Home Ownership Preservation and Protection Act of 2007), opposition to requirement to report credit/payment card merchant sales financial data to the Internal Revenue Service as a revenue raiser for the Housing Bill (H.R. 3221, the Foreclosure Prevention Act of 2008), overdraft protection & opposition to requiring opt-ins from customers, calculation of an APR (Annual Percentage Rate) for this fee-based product, and disclosure of a potential overdraft at each point of sale and ATM (including H.R. 946, the Consumer Overdraft Protection Fair Practices Act), ability to discharge student loans during bankruptcy & support of the current-law undue hardship standard (in opposition to House Floor Amendment, on ability to discharge private student loan debt in bankruptcy, to H.R. 4137, the College Opportunity and Affordability Act of 2007), interchange rates & opposition to price controls (including H.R. 5546 and S. 3086, both called the Credit Card Fair Fee Act of 2008), bankruptcy reform for qualifying reserve-component active duty members (H.R. 4044, the National Guard and Reservist Debt Relief Act of 2008), and regulatory relief; general monitoring of legislative and regulatory activity impacting the banking industry and informing Members of Congress and their staff about the practices, contributions to the American economy and society, and policy positions of the banking industry.

Lobbied for banking industry positions on issues including credit card practices & support of the principles of risk-based pricing, notice to and choice for customers (including S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007; H.R. 5244, the Credit Cardholders Bill of Rights Act of 2008; (see addendum page) and the 2008 Federal Reserve proposal on credit card and overdraft practices), bankruptcy reform, mortgage bankruptcy & opposition to giving bankruptcy judges unilateral ability to alter mortgage terms (including S. 2136, the Helping Families Save Their Homes in Bankruptcy Act of 2007; S. 2133, the HOMES Act; H.R. 3609, the Emergency Home Ownership and Mortgage Equity Protection Act of 2007; Title IV of S. 2636, the Foreclosure Prevention Act of 2008; Title IV of the Senate substitute version of H.R. 3221, the Foreclosure Prevention Act of 2008), mortgage reform/subprime lending/anti-predatory lending (including H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; and S. 2452, the Home Ownership Preservation and Protection Act of 2007), opposition to requirement to report credit/payment card merchant sales financial data to the Internal Revenue Service as a revenue raiser for the Housing Bill (H.R. 3221, the Foreclosure Prevention Act of 2008), overdraft protection & opposition to requiring opt-ins from customers, calculation of an APR (Annual Percentage Rate) for this fee-based product, and disclosure of a potential overdraft at each point of sale and ATM (including H.R. 946, the Consumer Overdraft Protection Fair Practices Act), ability to discharge student loans during bankruptcy & support of the current-law undue hardship standard (in opposition to House Floor Amendment, on ability to discharge private student loan debt in bankruptcy, to H.R. 4137, the College Opportunity and Affordability Act of 2007), interchange rates & opposition to price controls (including H.R. 5546 and S. 3086, both called the Credit Card Fair Fee Act of 2008), bankruptcy reform for qualifying reserve-component active duty members (H.R. 4044, the National Guard and Reservist Debt Relief Act of 2008), and regulatory relief; general monitoring of legislative and regulatory activity impacting the banking industry and informing Members of Congress and their staff about the practices, contributions to the American economy and society, and policy positions of the banking industry.

Lobbied for banking industry positions on issues including credit card practices & support of the principles of risk-based pricing, notice to and choice for customers (including S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007; H.R. 5244, the Credit Cardholders Bill of Rights Act of 2008; (see addendum page) and the 2008 Federal Reserve proposal on credit card and overdraft practices), bankruptcy reform, mortgage bankruptcy & opposition to giving bankruptcy judges unilateral ability to alter mortgage terms (including S. 2136, the Helping Families Save Their Homes in Bankruptcy Act of 2007; S. 2133, the HOMES Act; H.R. 3609, the Emergency Home Ownership and Mortgage Equity Protection Act of 2007; Title IV of S. 2636, the Foreclosure Prevention Act of 2008; Title IV of the Senate substitute version of H.R. 3221, the Foreclosure Prevention Act of 2008), mortgage reform/subprime lending/anti-predatory lending (including H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; and S. 2452, the Home Ownership Preservation and Protection Act of 2007), opposition to requirement to report credit/payment card merchant sales financial data to the Internal Revenue Service as a revenue raiser for the Housing Bill (H.R. 3221, the Foreclosure Prevention Act of 2008), overdraft protection & opposition to requiring opt-ins from customers, calculation of an APR (Annual Percentage Rate) for this fee-based product, and disclosure of a potential overdraft at each point of sale and ATM (including H.R. 946, the Consumer Overdraft Protection Fair Practices Act), ability to discharge student loans during bankruptcy & support of the current-law undue hardship standard (in opposition to House Floor Amendment, on ability to discharge private student loan debt in bankruptcy, to H.R. 4137, the College Opportunity and Affordability Act of 2007), interchange rates & opposition to price controls (including H.R. 5546 and S. 3086, both called the Credit Card Fair Fee Act of 2008), bankruptcy reform for qualifying reserve-component active duty members (H.R. 4044, the National Guard and Reservist Debt Relief Act of 2008), and regulatory relief; general monitoring of legislative and regulatory activity impacting the banking industry and informing Members of Congress and their staff about the practices, contributions to the American economy and society, and policy positions of the banking industry.

Lobbied for banking industry positions on issues including credit card practices & support of the principles of risk-based pricing, notice to and choice for customers (including S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007; H.R. 5244, the Credit Cardholders Bill of Rights Act of 2008; S. 3252, the Credit Card Accountability Responsibility and Disclosure Act of 2008; (see addendum page) and the 2008 Federal Reserve proposal on credit card and overdraft practices), bankruptcy reform, mortgage bankruptcy & opposition to giving bankruptcy judges unilateral ability to alter mortgage terms (including S. 2136, the Helping Families Save Their Homes in Bankruptcy Act of 2007; S. 2133, the HOMES Act; H.R. 3609, the Emergency Home Ownership and Mortgage Equity Protection Act of 2007; Title IV of S. 2636, the Foreclosure Prevention Act of 2008; Title IV of the Senate substitute version of H.R. 3221, the Foreclosure Prevention Act of 2008), mortgage reform/subprime lending/anti-predatory lending (including H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; and S. 2452, the Home Ownership Preservation and Protection Act of 2007), opposition to requirement to report credit/payment card merchant sales financial data to the Internal Revenue Service as a revenue raiser for the Housing Bill (H.R. 3221, the Foreclosure Prevention Act of 2008), overdraft protection & opposition to requiring opt-ins from customers, calculation of an APR (Annual Percentage Rate) for this fee-based product, and disclosure of a potential overdraft at each point of sale and ATM (including H.R. 946, the Consumer Overdraft Protection Fair Practices Act), ability to discharge student loans during bankruptcy & support of the current-law undue hardship standard (in opposition to House Floor Amendment, on ability to discharge private student loan debt in bankruptcy, to H.R. 4137, the College Opportunity and Affordability Act of 2007), interchange rates & opposition to price controls (including H.R. 5546 and S. 3086, both called the Credit Card Fair Fee Act of 2008), bankruptcy reform for qualifying reserve-component active duty members (H.R. 4044, the National Guard and Reservist Debt Relief Act of 2008), and regulatory relief; general monitoring of legislative and regulatory activity impacting the banking industry and informing Members of Congress and their staff about the practices, contributions to the American economy and society, and policy positions of the banking industry.

Lobbied for banking industry positions on issues including credit card practices & support of the principles of risk-based pricing, notice to and choice for customers (including S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007; H.R. 5244, the Credit Cardholders Bill of Rights Act of 2008; S. 3252, the Credit Card Accountability Responsibility and Disclosure Act of 2008; (see addendum page) and the 2008 Federal Reserve proposal on credit card and overdraft practices), bankruptcy reform, mortgage bankruptcy & opposition to giving bankruptcy judges unilateral ability to alter mortgage terms (including S. 2136, the Helping Families Save Their Homes in Bankruptcy Act of 2007; S. 2133, the HOMES Act; H.R. 3609, the Emergency Home Ownership and Mortgage Equity Protection Act of 2007; Title IV of S. 2636, the Foreclosure Prevention Act of 2008; Title IV of the Senate substitute version of H.R. 3221, the Foreclosure Prevention Act of 2008), mortgage reform/subprime lending/anti-predatory lending (including H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; and S. 2452, the Home Ownership Preservation and Protection Act of 2007), opposition to requirement to report credit/payment card merchant sales financial data to the Internal Revenue Service as a revenue raiser for the Housing Bill (H.R. 3221, the Foreclosure Prevention Act of 2008), overdraft protection & opposition to requiring opt-ins from customers, calculation of an APR (Annual Percentage Rate) for this fee-based product, and disclosure of a potential overdraft at each point of sale and ATM (including H.R. 946, the Consumer Overdraft Protection Fair Practices Act), ability to discharge student loans during bankruptcy & support of the current-law undue hardship standard (in opposition to House Floor Amendment, on ability to discharge private student loan debt in bankruptcy, to H.R. 4137, the College Opportunity and Affordability Act of 2007), interchange rates & opposition to price controls (including H.R. 5546 and S. 3086, both called the Credit Card Fair Fee Act of 2008), bankruptcy reform for qualifying reserve-component active duty members (H.R. 4044, the National Guard and Reservist Debt Relief Act of 2008), and regulatory relief; general monitoring of legislative and regulatory activity impacting the banking industry and informing Members of Congress and their staff about the practices, contributions to the American economy and society, and policy positions of the banking industry.

Lobbied for banking industry positions on issues including credit card practices & support of the principles of risk-based pricing, notice to and choice for customers (including S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007; H.R. 5244, the Credit Cardholders Bill of Rights Act of 2008; (see addendum page) and the 2008 Federal Reserve proposal on credit card and overdraft practices), bankruptcy reform, mortgage bankruptcy & opposition to giving bankruptcy judges unilateral ability to alter mortgage terms (including S. 2136, the Helping Families Save Their Homes in Bankruptcy Act of 2007; S. 2133, the HOMES Act; H.R. 3609, the Emergency Home Ownership and Mortgage Equity Protection Act of 2007; Title IV of S. 2636, the Foreclosure Prevention Act of 2008; Title IV of the Senate substitute version of H.R. 3221, the Foreclosure Prevention Act of 2008), mortgage reform/subprime lending/anti-predatory lending (including H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; and S. 2452, the Home Ownership Preservation and Protection Act of 2007), opposition to requirement to report credit/payment card merchant sales financial data to the Internal Revenue Service as a revenue raiser for the Housing Bill (H.R. 3221, the Foreclosure Prevention Act of 2008), overdraft protection & opposition to requiring opt-ins from customers, calculation of an APR (Annual Percentage Rate) for this fee-based product, and disclosure of a potential overdraft at each point of sale and ATM (including H.R. 946, the Consumer Overdraft Protection Fair Practices Act), ability to discharge student loans during bankruptcy & support of the current-law undue hardship standard (in opposition to House Floor Amendment, on ability to discharge private student loan debt in bankruptcy, to H.R. 4137, the College Opportunity and Affordability Act of 2007), interchange rates & opposition to price controls (including H.R. 5546 and S. 3086, both called the Credit Card Fair Fee Act of 2008), bankruptcy reform for qualifying reserve-component active duty members (H.R. 4044, the National Guard and Reservist Debt Relief Act of 2008), and regulatory relief; general monitoring of legislative and regulatory activity impacting the banking industry and informing Members of Congress and their staff about the practices, contributions to the American economy and society, and policy positions of the banking industry.

Issues related to tax-related financial products, especially Refund Anticipation Loans (RALs), which are offered by Pacific Capital; lobby (including on S. 1219, the Taxpayer Protection and Assistance Act of 2007; S. 1133, the Taxpayer Abuse Preventaion Act; and H.R. 5716, the Taxpayer Bill of Rights Act of 2008) to protect Pacific's ability to offer, and consumers' ability to receive, with solid disclosures and protections, these loan products; (see addendum page) and to protect the I.R.S. Debt Indicator (D.I.), including in H.R. 1677 (Taxpayer Protection Act of 2007) and in bill's subsequent referral to Senate Finance Committee, and in H.R. 5719 (the Taxpayer Assistance and Simplification Act of 2008). Inform covered officials about facts and benefits of the RAL product. Monitor legislative and regulatory activity that could possibly affect RALs, or unfairly draw in RALs, including in areas of predatory lending, and taxpayer privacy and protection.

Issues related to tax-related financial products, especially Refund Anticipation Loans (RALs), which are offered by Pacific Capital; lobby (including on S. 1219, the Taxpayer Protection and Assistance Act of 2007; S. 1133, the Taxpayer Abuse Preventaion Act; and H.R. 5716, the Taxpayer Bill of Rights Act of 2008) to protect Pacific's ability to offer, and consumers' ability to receive, with solid disclosures and protections, these loan products; (see addendum page) and to protect the I.R.S. Debt Indicator (D.I.), including in H.R. 1677 (Taxpayer Protection Act of 2007) and in bill's subsequent referral to Senate Finance Committee, and in H.R. 5719 (the Taxpayer Assistance and Simplification Act of 2008). Inform covered officials about facts and benefits of the RAL product. Monitor legislative and regulatory activity that could possibly affect RALs, or unfairly draw in RALs, including in areas of predatory lending, and taxpayer privacy and protection.

Issues related to tax-related financial products, especially Refund Anticipation Loans (RALs), which are offered by Pacific Capital; lobby (including on S. 1219, the Taxpayer Protection and Assistance Act of 2007; S. 1133, the Taxpayer Abuse Preventaion Act; and H.R. 5716, the Taxpayer Bill of Rights Act of 2008) to protect Pacific's ability to offer, and consumers' ability to receive, with solid disclosures and protections, these loan products; (see addendum page) and to protect the I.R.S. Debt Indicator (D.I.), including in H.R. 1677 (Taxpayer Protection Act of 2007) and in bill's subsequent referral to Senate Finance Committee, and in H.R. 5719 (the Taxpayer Assistance and Simplification Act of 2008). Inform covered officials about facts and benefits of the RAL product. Monitor legislative and regulatory activity that could possibly affect RALs, or unfairly draw in RALs, including in areas of predatory lending, and taxpayer privacy and protection.

Issues related to tax-related financial products, especially Refund Anticipation Loans (RALs), which are offered by Pacific Capital; lobby (including on S. 1219, the Taxpayer Protection and Assistance Act of 2007; S. 1133, the Taxpayer Abuse Preventaion Act; and H.R. 5716, the Taxpayer Bill of Rights Act of 2008) to protect Pacific's ability to offer, and consumers' ability to receive, with solid disclosures and protections, these loan products; (see addendum page) and to protect the I.R.S. Debt Indicator (D.I.), including in H.R. 1677 (Taxpayer Protection Act of 2007) and in bill's subsequent referral to Senate Finance Committee, and in H.R. 5719 (the Taxpayer Assistance and Simplification Act of 2008). Inform covered officials about facts and benefits of the RAL product. Monitor legislative and regulatory activity that could possibly affect RALs, or unfairly draw in RALs, including in areas of predatory lending, and taxpayer privacy and protection.

Issues related to tax-related financial products, especially Refund Anticipation Loans (RALs), which are offered by Pacific Capital; lobby (including on S. 1219, the Taxpayer Protection and Assistance Act of 2007; S. 1133, the Taxpayer Abuse Preventaion Act; and H.R. 5716, the Taxpayer Bill of Rights Act of 2008) to protect Pacific's ability to offer, and consumers' ability to receive, with solid disclosures and protections, these loan products; (see addendum page) and to protect the I.R.S. Debt Indicator (D.I.), including in H.R. 1677 (Taxpayer Protection Act of 2007) and in bill's subsequent referral to Senate Finance Committee, and in H.R. 5719 (the Taxpayer Assistance and Simplification Act of 2008). Inform covered officials about facts and benefits of the RAL product. Monitor legislative and regulatory activity that could possibly affect RALs, or unfairly draw in RALs, including in areas of predatory lending, and taxpayer privacy and protection.

Issues related to tax-related financial products, especially Refund Anticipation Loans (RALs), which are offered by Pacific Capital; lobby (including on S. 1219, the Taxpayer Protection and Assistance Act of 2007; S. 1133, the Taxpayer Abuse Preventaion Act; and H.R. 5716, the Taxpayer Bill of Rights Act of 2008) to protect Pacific's ability to offer, and consumers' ability to receive, with solid disclosures and protections, these loan products; (see addendum page) and to protect the I.R.S. Debt Indicator (D.I.), including in H.R. 1677 (Taxpayer Protection Act of 2007) and in bill's subsequent referral to Senate Finance Committee, and in H.R. 5719 (the Taxpayer Assistance and Simplification Act of 2008). Inform covered officials about facts and benefits of the RAL product. Monitor legislative and regulatory activity that could possibly affect RALs, or unfairly draw in RALs, including in areas of predatory lending, and taxpayer privacy and protection.

Issues related to tax-related financial products, especially Refund Anticipation Loans (RALs), which are offered by Pacific Capital; lobby (including on S. 1219, the Taxpayer Protection and Assistance Act of 2007; S. 1133, the Taxpayer Abuse Preventaion Act; and H.R. 5716, the Taxpayer Bill of Rights Act of 2008) to protect Pacific's ability to offer, and consumers' ability to receive, with solid disclosures and protections, these loan products; (see addendum page) and to protect the I.R.S. Debt Indicator (D.I.), including in H.R. 1677 (Taxpayer Protection Act of 2007) and in bill's subsequent referral to Senate Finance Committee, and in H.R. 5719 (the Taxpayer Assistance and Simplification Act of 2008). Inform covered officials about facts and benefits of the RAL product. Monitor legislative and regulatory activity that could possibly affect RALs, or unfairly draw in RALs, including in areas of predatory lending, and taxpayer privacy and protection.

Issues related to tax-related financial products, especially Refund Anticipation Loans (RALs), which are offered by Pacific Capital; lobby (including on S. 1219, the Taxpayer Protection and Assistance Act of 2007; S. 1133, the Taxpayer Abuse Preventaion Act; and H.R. 5716, the Taxpayer Bill of Rights Act of 2008) to protect Pacific's ability to offer, and consumers' ability to receive, with solid disclosures and protections, these loan products; (see addendum page) and to protect the I.R.S. Debt Indicator (D.I.), including in H.R. 1677 (Taxpayer Protection Act of 2007) and in bill's subsequent referral to Senate Finance Committee, and in H.R. 5719 (the Taxpayer Assistance and Simplification Act of 2008). Inform covered officials about facts and benefits of the RAL product. Monitor legislative and regulatory activity that could possibly affect RALs, or unfairly draw in RALs, including in areas of predatory lending, and taxpayer privacy and protection.