PAUL HATCH

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 Prevention Act; H.R. 5716, the Taxpayer Bill of Rights Act of 2008 and H.R 7188, the Tax Refund Anticipation Loan Consumer Protection Act) to protect Pacific's ability to offer, and consumers' ability to receive, with solid disclosures and protections, (see addendum page) these loan products; 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 Prevention Act; H.R. 5716, the Taxpayer Bill of Rights Act of 2008 and H.R 7188, the Tax Refund Anticipation Loan Consumer Protection Act) to protect Pacific's ability to offer, and consumers' ability to receive, with solid disclosures and protections, (see addendum page) these loan products; 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 Prevention Act; H.R. 5716, the Taxpayer Bill of Rights Act of 2008 and H.R 7188, the Tax Refund Anticipation Loan Consumer Protection Act) to protect Pacific's ability to offer, and consumers' ability to receive, with solid disclosures and protections, (see addendum page) these loan products; 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 Prevention Act; H.R. 5716, the Taxpayer Bill of Rights Act of 2008 and H.R 7188, the Tax Refund Anticipation Loan Consumer Protection Act) to protect Pacific's ability to offer, and consumers' ability to receive, with solid disclosures and protections, (see addendum page) these loan products; 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 Prevention Act; H.R. 5716, the Taxpayer Bill of Rights Act of 2008 and H.R 7188, the Tax Refund Anticipation Loan Consumer Protection Act) to protect Pacific's ability to offer, and consumers' ability to receive, with solid disclosures and protections, (see addendum page) these loan products; 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 Prevention Act; H.R. 5716, the Taxpayer Bill of Rights Act of 2008 and H.R 7188, the Tax Refund Anticipation Loan Consumer Protection Act) to protect Pacific's ability to offer, and consumers' ability to receive, with solid disclosures and protections, (see addendum page) these loan products; 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 Prevention Act; H.R. 5716, the Taxpayer Bill of Rights Act of 2008 and H.R 7188, the Tax Refund Anticipation Loan Consumer Protection Act ) to protect Pacific's ability to offer, and consumers' ability to receive, with solid disclosures and protections, (see addendum page) these loan products; 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 Prevention Act; H.R. 5716, the Taxpayer Bill of Rights Act of 2008 and H.R 7188, the Tax Refund Anticipation Loan Consumer Protection Act) to protect Pacific's ability to offer, and consumers' ability to receive, with solid disclosures and protections, (see addendum page) these loan products; 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 Prevention Act; H.R. 5716, the Taxpayer Bill of Rights Act of 2008 and H.R 7188, the Tax Refund Anticipation Loan Consumer Protection Act) to protect Pacific's ability to offer, and consumers' ability to receive, with solid disclosures and protections, (see addendum page) these loan products; 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 Prevention Act; H.R. 5716, the Taxpayer Bill of Rights Act of 2008 and H.R 7188, the Tax Refund Anticipation Loan Consumer Protection Act) to protect Pacific's ability to offer, and consumers' ability to receive, with solid disclosures and protections, (see addendum page) these loan products; 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 Prevention Act; H.R. 5716, the Taxpayer Bill of Rights Act of 2008 and H.R 7188, the Tax Refund Anticipation Loan Consumer Protection Act) to protect Pacific's ability to offer, and consumers' ability to receive, with solid disclosures and protections, (see addendum page) these loan products; 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 Prevention Act; H.R. 5716, the Taxpayer Bill of Rights Act of 2008 and H.R 7188, the Tax Refund Anticipation Loan Consumer Protection Act) to protect Pacific's ability to offer, and consumers' ability to receive, with solid disclosures and protections, (see addendum page) these loan products; 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 Prevention Act; H.R. 5716, the Taxpayer Bill of Rights Act of 2008 and H.R 7188, the Tax Refund Anticipation Loan Consumer Protection Act ) to protect Pacific's ability to offer, and consumers' ability to receive, with solid disclosures and protections, (see addendum page) these loan products; 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 Prevention Act; H.R. 5716, the Taxpayer Bill of Rights Act of 2008 and H.R 7188, the Tax Refund Anticipation Loan Consumer Protection Act) to protect Pacific's ability to offer, and consumers' ability to receive, with solid disclosures and protections, (see addendum page) these loan products; 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.

Lobby for appropriate treatment of timeshare consumer lending, including specifically with regard to TILA (Truth in Lending Act) provisions, and loan originator and other licensing and registration requirements, in any mortgage lending legislation, including in: H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; H.R. 1424 and all other versions of the Emergency Economic Stabilization Act of 2008; (see addendum page) S. 2452, the Home Ownership Preservation and Protection Act of 2007; H.R. 5857, the Homeownership Protection and Housing Market Stabilization Act of 2008; S. 2595, the Secure and Fair Enforcement for Mortgage Licensing Act of 2008; H.R. 5830, the FHA Housing Stabilization and Homeowner Retention Act of 2008; H.R. 5818, the Neighborhood Stabilization Act of 2008; H.R. 3221, the Foreclosure Prevention Act of 2008; and the May 20th Senate Banking Committee mark-up and passage of The Federal Housing Finance Regulatory Reform Act of 2008, now part of H.R. 3221. Monitor regulatory activity by appropriate agencies regarding same issues, for same purpose.

Lobby for appropriate treatment of timeshare consumer lending, including specifically with regard to TILA (Truth in Lending Act) provisions, and loan originator and other licensing and registration requirements, in any mortgage lending legislation, including in: H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; (see addendum page) S. 2452, the Home Ownership Preservation and Protection Act of 2007; H.R. 5857, the Homeownership Protection and Housing Market Stabilization Act of 2008; S. 2595, the Secure and Fair Enforcement for Mortgage Licensing Act of 2008; H.R. 5830, the FHA Housing Stabilization and Homeowner Retention Act of 2008; H.R. 5818, the Neighborhood Stabilization Act of 2008; H.R. 3221, the Foreclosure Prevention Act of 2008; and the May 20th Senate Banking Committee mark-up and passage of The Federal Housing Finance Regulatory Reform Act of 2008, now part of H.R. 3221. Monitor regulatory activity by appropriate agencies regarding same issues, for same purpose.

Lobby for appropriate treatment of timeshare consumer lending, including specifically with regard to TILA (Truth in Lending Act) provisions, and loan originator and other licensing and registration requirements, in any mortgage lending legislation, including in: H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; (see addendum page) S. 2452, the Home Ownership Preservation and Protection Act of 2007; H.R. 5857, the Homeownership Protection and Housing Market Stabilization Act of 2008; S. 2595, the Secure and Fair Enforcement for Mortgage Licensing Act of 2008; H.R. 5830, the FHA Housing Stabilization and Homeowner Retention Act of 2008; H.R. 5818, the Neighborhood Stabilization Act of 2008; H.R. 3221, the Foreclosure Prevention Act of 2008; and the May 20th Senate Banking Committee mark-up and passage of The Federal Housing Finance Regulatory Reform Act of 2008, now part of H.R. 3221. Monitor regulatory activity by appropriate agencies regarding same issues, for same purpose.

Lobby for appropriate treatment of timeshare consumer lending, including specifically with regard to TILA (Truth in Lending Act) provisions, and loan originator and other licensing and registration requirements, in any mortgage lending legislation, including in: H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; H.R. 1424 and all other versions of the Emergency Economic Stabilization Act of 2008; (see addendum page) S. 2452, the Home Ownership Preservation and Protection Act of 2007; H.R. 5857, the Homeownership Protection and Housing Market Stabilization Act of 2008; S. 2595, the Secure and Fair Enforcement for Mortgage Licensing Act of 2008; H.R. 5830, the FHA Housing Stabilization and Homeowner Retention Act of 2008; H.R. 5818, the Neighborhood Stabilization Act of 2008; H.R. 3221, the Foreclosure Prevention Act of 2008; and the May 20th Senate Banking Committee mark-up and passage of The Federal Housing Finance Regulatory Reform Act of 2008, now part of H.R. 3221. Monitor regulatory activity by appropriate agencies regarding same issues, for same purpose.

Lobby for appropriate treatment of timeshare consumer lending, including specifically with regard to TILA (Truth in Lending Act) provisions, and loan originator and other licensing and registration requirements, in any mortgage lending legislation, including in: H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; (see addendum page) S. 2452, the Home Ownership Preservation and Protection Act of 2007; H.R. 5857, the Homeownership Protection and Housing Market Stabilization Act of 2008; S. 2595, the Secure and Fair Enforcement for Mortgage Licensing Act of 2008; H.R. 5830, the FHA Housing Stabilization and Homeowner Retention Act of 2008; H.R. 5818, the Neighborhood Stabilization Act of 2008; H.R. 3221, the Foreclosure Prevention Act of 2008; and the May 20th Senate Banking Committee mark-up and passage of The Federal Housing Finance Regulatory Reform Act of 2008, now part of H.R. 3221. Monitor regulatory activity by appropriate agencies regarding same issues, for same purpose.

Lobby for appropriate treatment of timeshare consumer lending, including specifically with regard to TILA (Truth in Lending Act) provisions, and loan originator and other licensing and registration requirements, in any mortgage lending legislation, including in: H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; H.R. 1424 and all other versions of the Emergency Economic Stabilization Act of 2008; (see addendum page) S. 2452, the Home Ownership Preservation and Protection Act of 2007; H.R. 5857, the Homeownership Protection and Housing Market Stabilization Act of 2008; S. 2595, the Secure and Fair Enforcement for Mortgage Licensing Act of 2008; H.R. 5830, the FHA Housing Stabilization and Homeowner Retention Act of 2008; H.R. 5818, the Neighborhood Stabilization Act of 2008; H.R. 3221, the Foreclosure Prevention Act of 2008; and the May 20th Senate Banking Committee mark-up and passage of The Federal Housing Finance Regulatory Reform Act of 2008, now part of H.R. 3221. Monitor regulatory activity by appropriate agencies regarding same issues, for same purpose.

Lobby for appropriate treatment of timeshare consumer lending, including specifically with regard to TILA (Truth in Lending Act) provisions, and loan originator and other licensing and registration requirements, in any mortgage lending legislation, including in: H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; H.R. 1424 and all other versions of the Emergency Economic Stabilization Act of 2008; (see addendum page) S. 2452, the Home Ownership Preservation and Protection Act of 2007; H.R. 5857, the Homeownership Protection and Housing Market Stabilization Act of 2008; S. 2595, the Secure and Fair Enforcement for Mortgage Licensing Act of 2008; H.R. 5830, the FHA Housing Stabilization and Homeowner Retention Act of 2008; H.R. 5818, the Neighborhood Stabilization Act of 2008; H.R. 3221, the Foreclosure Prevention Act of 2008; and the May 20th Senate Banking Committee mark-up and passage of The Federal Housing Finance Regulatory Reform Act of 2008, now part of H.R. 3221. Monitor regulatory activity by appropriate agencies regarding same issues, for same purpose.

Lobby for appropriate treatment of timeshare consumer lending, including specifically with regard to TILA (Truth in Lending Act) provisions, and loan originator and other licensing and registration requirements, in any mortgage lending legislation, including in: H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; (see addendum page) S. 2452, the Home Ownership Preservation and Protection Act of 2007; H.R. 5857, the Homeownership Protection and Housing Market Stabilization Act of 2008; S. 2595, the Secure and Fair Enforcement for Mortgage Licensing Act of 2008; H.R. 5830, the FHA Housing Stabilization and Homeowner Retention Act of 2008; H.R. 5818, the Neighborhood Stabilization Act of 2008; H.R. 3221, the Foreclosure Prevention Act of 2008; and the May 20th Senate Banking Committee mark-up and passage of The Federal Housing Finance Regulatory Reform Act of 2008, now part of H.R. 3221. Monitor regulatory activity by appropriate agencies regarding same issues, for same purpose.

Lobby for appropriate treatment of timeshare consumer lending, including specifically with regard to TILA (Truth in Lending Act) provisions, and loan originator and other licensing and registration requirements, in any mortgage lending legislation, including in: H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; H.R. 1424 and all other versions of the Emergency Economic Stabilization Act of 2008; (see addendum page) S. 2452, the Home Ownership Preservation and Protection Act of 2007; H.R. 5857, the Homeownership Protection and Housing Market Stabilization Act of 2008; S. 2595, the Secure and Fair Enforcement for Mortgage Licensing Act of 2008; H.R. 5830, the FHA Housing Stabilization and Homeowner Retention Act of 2008; H.R. 5818, the Neighborhood Stabilization Act of 2008; H.R. 3221, the Foreclosure Prevention Act of 2008; and the May 20th Senate Banking Committee mark-up and passage of The Federal Housing Finance Regulatory Reform Act of 2008, now part of H.R. 3221. Monitor regulatory activity by appropriate agencies regarding same issues, for same purpose.

Lobby for appropriate treatment of timeshare consumer lending, including specifically with regard to TILA (Truth in Lending Act) provisions, and loan originator and other licensing and registration requirements, in any mortgage lending legislation, including in: H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; H.R. 1424 and all other versions of the Emergency Economic Stabilization Act of 2008; (see addendum page) S. 2452, the Home Ownership Preservation and Protection Act of 2007; H.R. 5857, the Homeownership Protection and Housing Market Stabilization Act of 2008; S. 2595, the Secure and Fair Enforcement for Mortgage Licensing Act of 2008; H.R. 5830, the FHA Housing Stabilization and Homeowner Retention Act of 2008; H.R. 5818, the Neighborhood Stabilization Act of 2008; H.R. 3221, the Foreclosure Prevention Act of 2008; and the May 20th Senate Banking Committee mark-up and passage of The Federal Housing Finance Regulatory Reform Act of 2008, now part of H.R. 3221. Monitor regulatory activity by appropriate agencies regarding same issues, for same purpose.

Lobby for appropriate treatment of timeshare consumer lending, including specifically with regard to TILA (Truth in Lending Act) provisions, and loan originator and other licensing and registration requirements, in any mortgage lending legislation, including in: H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; H.R. 1424 and all other versions of the Emergency Economic Stabilization Act of 2008; (see addendum page) S. 2452, the Home Ownership Preservation and Protection Act of 2007; H.R. 5857, the Homeownership Protection and Housing Market Stabilization Act of 2008; S. 2595, the Secure and Fair Enforcement for Mortgage Licensing Act of 2008; H.R. 5830, the FHA Housing Stabilization and Homeowner Retention Act of 2008; H.R. 5818, the Neighborhood Stabilization Act of 2008; H.R. 3221, the Foreclosure Prevention Act of 2008; and the May 20th Senate Banking Committee mark-up and passage of The Federal Housing Finance Regulatory Reform Act of 2008, now part of H.R. 3221. Monitor regulatory activity by appropriate agencies regarding same issues, for same purpose.

Lobby for appropriate treatment of timeshare consumer lending, including specifically with regard to TILA (Truth in Lending Act) provisions, and loan originator and other licensing and registration requirements, in any mortgage lending legislation, including in: H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; H.R. 1424 and all other versions of the Emergency Economic Stabilization Act of 2008; (see addendum page) S. 2452, the Home Ownership Preservation and Protection Act of 2007; H.R. 5857, the Homeownership Protection and Housing Market Stabilization Act of 2008; S. 2595, the Secure and Fair Enforcement for Mortgage Licensing Act of 2008; H.R. 5830, the FHA Housing Stabilization and Homeowner Retention Act of 2008; H.R. 5818, the Neighborhood Stabilization Act of 2008; H.R. 3221, the Foreclosure Prevention Act of 2008; and the May 20th Senate Banking Committee mark-up and passage of The Federal Housing Finance Regulatory Reform Act of 2008, now part of H.R. 3221. Monitor regulatory activity by appropriate agencies regarding same issues, for same purpose.

Lobby for appropriate treatment of timeshare consumer lending, including specifically with regard to TILA (Truth in Lending Act) provisions, and loan originator and other licensing and registration requirements, in any mortgage lending legislation, including in: H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; (see addendum page) S. 2452, the Home Ownership Preservation and Protection Act of 2007; H.R. 5857, the Homeownership Protection and Housing Market Stabilization Act of 2008; S. 2595, the Secure and Fair Enforcement for Mortgage Licensing Act of 2008; H.R. 5830, the FHA Housing Stabilization and Homeowner Retention Act of 2008; H.R. 5818, the Neighborhood Stabilization Act of 2008; H.R. 3221, the Foreclosure Prevention Act of 2008; and the May 20th Senate Banking Committee mark-up and passage of The Federal Housing Finance Regulatory Reform Act of 2008, now part of H.R. 3221. Monitor regulatory activity by appropriate agencies regarding same issues, for same purpose.

Lobby for appropriate treatment of timeshare consumer lending, including specifically with regard to TILA (Truth in Lending Act) provisions, and loan originator and other licensing and registration requirements, in any mortgage lending legislation, including in: H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; H.R. 1424 and all other versions of the Emergency Economic Stabilization Act of 2008; (see addendum page) S. 2452, the Home Ownership Preservation and Protection Act of 2007; H.R. 5857, the Homeownership Protection and Housing Market Stabilization Act of 2008; S. 2595, the Secure and Fair Enforcement for Mortgage Licensing Act of 2008; H.R. 5830, the FHA Housing Stabilization and Homeowner Retention Act of 2008; H.R. 5818, the Neighborhood Stabilization Act of 2008; H.R. 3221, the Foreclosure Prevention Act of 2008; and the May 20th Senate Banking Committee mark-up and passage of The Federal Housing Finance Regulatory Reform Act of 2008, now part of H.R. 3221. Monitor regulatory activity by appropriate agencies regarding same issues, for same purpose.

Lobby for appropriate treatment of timeshare consumer lending, including specifically with regard to TILA (Truth in Lending Act) provisions, and loan originator and other licensing and registration requirements, in any mortgage lending legislation, including in: H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; H.R. 1424 and all other versions of the Emergency Economic Stabilization Act of 2008; (see addendum page) S. 2452, the Home Ownership Preservation and Protection Act of 2007; H.R. 5857, the Homeownership Protection and Housing Market Stabilization Act of 2008; S. 2595, the Secure and Fair Enforcement for Mortgage Licensing Act of 2008; H.R. 5830, the FHA Housing Stabilization and Homeowner Retention Act of 2008; H.R. 5818, the Neighborhood Stabilization Act of 2008; H.R. 3221, the Foreclosure Prevention Act of 2008; and the May 20th Senate Banking Committee mark-up and passage of The Federal Housing Finance Regulatory Reform Act of 2008, now part of H.R. 3221. Monitor regulatory activity by appropriate agencies regarding same issues, for same purpose.

Lobby for appropriate treatment of timeshare consumer lending, including specifically with regard to TILA (Truth in Lending Act) provisions, and loan originator and other licensing and registration requirements, in any mortgage lending legislation, including in: H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; (see addendum page) S. 2452, the Home Ownership Preservation and Protection Act of 2007; H.R. 5857, the Homeownership Protection and Housing Market Stabilization Act of 2008; S. 2595, the Secure and Fair Enforcement for Mortgage Licensing Act of 2008; H.R. 5830, the FHA Housing Stabilization and Homeowner Retention Act of 2008; H.R. 5818, the Neighborhood Stabilization Act of 2008; H.R. 3221, the Foreclosure Prevention Act of 2008; and the May 20th Senate Banking Committee mark-up and passage of The Federal Housing Finance Regulatory Reform Act of 2008, now part of H.R. 3221. Monitor regulatory activity by appropriate agencies regarding same issues, for same purpose.

Lobby for appropriate treatment of timeshare consumer lending, including specifically with regard to TILA (Truth in Lending Act) provisions, and loan originator and other licensing and registration requirements, in any mortgage lending legislation, including in: H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; H.R. 1424 and all other versions of the Emergency Economic Stabilization Act of 2008; (see addendum page) S. 2452, the Home Ownership Preservation and Protection Act of 2007; H.R. 5857, the Homeownership Protection and Housing Market Stabilization Act of 2008; S. 2595, the Secure and Fair Enforcement for Mortgage Licensing Act of 2008; H.R. 5830, the FHA Housing Stabilization and Homeowner Retention Act of 2008; H.R. 5818, the Neighborhood Stabilization Act of 2008; H.R. 3221, the Foreclosure Prevention Act of 2008; and the May 20th Senate Banking Committee mark-up and passage of The Federal Housing Finance Regulatory Reform Act of 2008, now part of H.R. 3221. Monitor regulatory activity by appropriate agencies regarding same issues, for same purpose.

Lobby for appropriate treatment of timeshare consumer lending, including specifically with regard to TILA (Truth in Lending Act) provisions, and loan originator and other licensing and registration requirements, in any mortgage lending legislation, including in: H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; H.R. 1424 and all other versions of the Emergency Economic Stabilization Act of 2008; (see addendum page) S. 2452, the Home Ownership Preservation and Protection Act of 2007; H.R. 5857, the Homeownership Protection and Housing Market Stabilization Act of 2008; S. 2595, the Secure and Fair Enforcement for Mortgage Licensing Act of 2008; H.R. 5830, the FHA Housing Stabilization and Homeowner Retention Act of 2008; H.R. 5818, the Neighborhood Stabilization Act of 2008; H.R. 3221, the Foreclosure Prevention Act of 2008; and the May 20th Senate Banking Committee mark-up and passage of The Federal Housing Finance Regulatory Reform Act of 2008, now part of H.R. 3221. Monitor regulatory activity by appropriate agencies regarding same issues, for same purpose.

Lobby for appropriate treatment of timeshare consumer lending, including specifically with regard to TILA (Truth in Lending Act) provisions, and loan originator and other licensing and registration requirements, in any mortgage lending legislation, including in: H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; H.R. 1424 and all other versions of the Emergency Economic Stabilization Act of 2008; (see addendum page) S. 2452, the Home Ownership Preservation and Protection Act of 2007; H.R. 5857, the Homeownership Protection and Housing Market Stabilization Act of 2008; S. 2595, the Secure and Fair Enforcement for Mortgage Licensing Act of 2008; H.R. 5830, the FHA Housing Stabilization and Homeowner Retention Act of 2008; H.R. 5818, the Neighborhood Stabilization Act of 2008; H.R. 3221, the Foreclosure Prevention Act of 2008; and the May 20th Senate Banking Committee mark-up and passage of The Federal Housing Finance Regulatory Reform Act of 2008, now part of H.R. 3221. Monitor regulatory activity by appropriate agencies regarding same issues, for same purpose.

Lobby for appropriate treatment of timeshare consumer lending, including specifically with regard to TILA (Truth in Lending Act) provisions, and loan originator and other licensing and registration requirements, in any mortgage lending legislation, including in: H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; H.R. 1424 and all other versions of the Emergency Economic Stabilization Act of 2008; (see addendum page) S. 2452, the Home Ownership Preservation and Protection Act of 2007; H.R. 5857, the Homeownership Protection and Housing Market Stabilization Act of 2008; S. 2595, the Secure and Fair Enforcement for Mortgage Licensing Act of 2008; H.R. 5830, the FHA Housing Stabilization and Homeowner Retention Act of 2008; H.R. 5818, the Neighborhood Stabilization Act of 2008; H.R. 3221, the Foreclosure Prevention Act of 2008; and the May 20th Senate Banking Committee mark-up and passage of The Federal Housing Finance Regulatory Reform Act of 2008, now part of H.R. 3221. Monitor regulatory activity by appropriate agencies regarding same issues, for same purpose.

Lobby for appropriate treatment of timeshare consumer lending, including specifically with regard to TILA (Truth in Lending Act) provisions, and loan originator and other licensing and registration requirements, in any mortgage lending legislation, including in: H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; (see addendum page) S. 2452, the Home Ownership Preservation and Protection Act of 2007; H.R. 5857, the Homeownership Protection and Housing Market Stabilization Act of 2008; S. 2595, the Secure and Fair Enforcement for Mortgage Licensing Act of 2008; H.R. 5830, the FHA Housing Stabilization and Homeowner Retention Act of 2008; H.R. 5818, the Neighborhood Stabilization Act of 2008; H.R. 3221, the Foreclosure Prevention Act of 2008; and the May 20th Senate Banking Committee mark-up and passage of The Federal Housing Finance Regulatory Reform Act of 2008, now part of H.R. 3221. Monitor regulatory activity by appropriate agencies regarding same issues, for same purpose.

Lobby for appropriate treatment of timeshare consumer lending, including specifically with regard to TILA (Truth in Lending Act) provisions, and loan originator and other licensing and registration requirements, in any mortgage lending legislation, including in: H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; H.R. 1424 and all other versions of the Emergency Economic Stabilization Act of 2008; (see addendum page) S. 2452, the Home Ownership Preservation and Protection Act of 2007; H.R. 5857, the Homeownership Protection and Housing Market Stabilization Act of 2008; S. 2595, the Secure and Fair Enforcement for Mortgage Licensing Act of 2008; H.R. 5830, the FHA Housing Stabilization and Homeowner Retention Act of 2008; H.R. 5818, the Neighborhood Stabilization Act of 2008; H.R. 3221, the Foreclosure Prevention Act of 2008; and the May 20th Senate Banking Committee mark-up and passage of The Federal Housing Finance Regulatory Reform Act of 2008, now part of H.R. 3221. Monitor regulatory activity by appropriate agencies regarding same issues, for same purpose.

Lobby for appropriate treatment of timeshare consumer lending, including specifically with regard to TILA (Truth in Lending Act) provisions, and loan originator and other licensing and registration requirements, in any mortgage lending legislation, including in: H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; H.R. 1424 and all other versions of the Emergency Economic Stabilization Act of 2008; (see addendum page) S. 2452, the Home Ownership Preservation and Protection Act of 2007; H.R. 5857, the Homeownership Protection and Housing Market Stabilization Act of 2008; S. 2595, the Secure and Fair Enforcement for Mortgage Licensing Act of 2008; H.R. 5830, the FHA Housing Stabilization and Homeowner Retention Act of 2008; H.R. 5818, the Neighborhood Stabilization Act of 2008; H.R. 3221, the Foreclosure Prevention Act of 2008; and the May 20th Senate Banking Committee mark-up and passage of The Federal Housing Finance Regulatory Reform Act of 2008, now part of H.R. 3221. Monitor regulatory activity by appropriate agencies regarding same issues, for same purpose.

Lobby for appropriate treatment of timeshare consumer lending, including specifically with regard to TILA (Truth in Lending Act) provisions, and loan originator and other licensing and registration requirements, in any mortgage lending legislation, including in: H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; (see addendum page) S. 2452, the Home Ownership Preservation and Protection Act of 2007; H.R. 5857, the Homeownership Protection and Housing Market Stabilization Act of 2008; S. 2595, the Secure and Fair Enforcement for Mortgage Licensing Act of 2008; H.R. 5830, the FHA Housing Stabilization and Homeowner Retention Act of 2008; H.R. 5818, the Neighborhood Stabilization Act of 2008; H.R. 3221, the Foreclosure Prevention Act of 2008; and the May 20th Senate Banking Committee mark-up and passage of The Federal Housing Finance Regulatory Reform Act of 2008, now part of H.R. 3221. Monitor regulatory activity by appropriate agencies regarding same issues, for same purpose.

Lobby for appropriate treatment of timeshare consumer lending, including specifically with regard to TILA (Truth in Lending Act) provisions, and loan originator and other licensing and registration requirements, in any mortgage lending legislation, including in: H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; H.R. 1424 and all other versions of the Emergency Economic Stabilization Act of 2008; (see addendum page) S. 2452, the Home Ownership Preservation and Protection Act of 2007; H.R. 5857, the Homeownership Protection and Housing Market Stabilization Act of 2008; S. 2595, the Secure and Fair Enforcement for Mortgage Licensing Act of 2008; H.R. 5830, the FHA Housing Stabilization and Homeowner Retention Act of 2008; H.R. 5818, the Neighborhood Stabilization Act of 2008; H.R. 3221, the Foreclosure Prevention Act of 2008; and the May 20th Senate Banking Committee mark-up and passage of The Federal Housing Finance Regulatory Reform Act of 2008, now part of H.R. 3221. Monitor regulatory activity by appropriate agencies regarding same issues, for same purpose.

Lobby for appropriate treatment of timeshare consumer lending, including specifically with regard to TILA (Truth in Lending Act) provisions, and loan originator and other licensing and registration requirements, in any mortgage lending legislation, including in: H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; H.R. 1424 and all other versions of the Emergency Economic Stabilization Act of 2008; (see addendum page) S. 2452, the Home Ownership Preservation and Protection Act of 2007; H.R. 5857, the Homeownership Protection and Housing Market Stabilization Act of 2008; S. 2595, the Secure and Fair Enforcement for Mortgage Licensing Act of 2008; H.R. 5830, the FHA Housing Stabilization and Homeowner Retention Act of 2008; H.R. 5818, the Neighborhood Stabilization Act of 2008; H.R. 3221, the Foreclosure Prevention Act of 2008; and the May 20th Senate Banking Committee mark-up and passage of The Federal Housing Finance Regulatory Reform Act of 2008, now part of H.R. 3221. Monitor regulatory activity by appropriate agencies regarding same issues, for same purpose.

Lobby for appropriate treatment of timeshare consumer lending, including specifically with regard to TILA (Truth in Lending Act) provisions, and loan originator and other licensing and registration requirements, in any mortgage lending legislation, including in: H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; H.R. 1424 and all other versions of the Emergency Economic Stabilization Act of 2008; (see addendum page) S. 2452, the Home Ownership Preservation and Protection Act of 2007; H.R. 5857, the Homeownership Protection and Housing Market Stabilization Act of 2008; S. 2595, the Secure and Fair Enforcement for Mortgage Licensing Act of 2008; H.R. 5830, the FHA Housing Stabilization and Homeowner Retention Act of 2008; H.R. 5818, the Neighborhood Stabilization Act of 2008; H.R. 3221, the Foreclosure Prevention Act of 2008; and the May 20th Senate Banking Committee mark-up and passage of The Federal Housing Finance Regulatory Reform Act of 2008, now part of H.R. 3221. Monitor regulatory activity by appropriate agencies regarding same issues, for same purpose.

Lobby for appropriate treatment of timeshare consumer lending, including specifically with regard to TILA (Truth in Lending Act) provisions, and loan originator and other licensing and registration requirements, in any mortgage lending legislation, including in: H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; H.R. 1424 and all other versions of the Emergency Economic Stabilization Act of 2008; (see addendum page) S. 2452, the Home Ownership Preservation and Protection Act of 2007; H.R. 5857, the Homeownership Protection and Housing Market Stabilization Act of 2008; S. 2595, the Secure and Fair Enforcement for Mortgage Licensing Act of 2008; H.R. 5830, the FHA Housing Stabilization and Homeowner Retention Act of 2008; H.R. 5818, the Neighborhood Stabilization Act of 2008; H.R. 3221, the Foreclosure Prevention Act of 2008; and the May 20th Senate Banking Committee mark-up and passage of The Federal Housing Finance Regulatory Reform Act of 2008, now part of H.R. 3221. Monitor regulatory activity by appropriate agencies regarding same issues, for same purpose.

Lobby for appropriate treatment of timeshare consumer lending, including specifically with regard to TILA (Truth in Lending Act) provisions, and loan originator and other licensing and registration requirements, in any mortgage lending legislation, including in: H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; (see addendum page) S. 2452, the Home Ownership Preservation and Protection Act of 2007; H.R. 5857, the Homeownership Protection and Housing Market Stabilization Act of 2008; S. 2595, the Secure and Fair Enforcement for Mortgage Licensing Act of 2008; H.R. 5830, the FHA Housing Stabilization and Homeowner Retention Act of 2008; H.R. 5818, the Neighborhood Stabilization Act of 2008; H.R. 3221, the Foreclosure Prevention Act of 2008; and the May 20th Senate Banking Committee mark-up and passage of The Federal Housing Finance Regulatory Reform Act of 2008, now part of H.R. 3221. Monitor regulatory activity by appropriate agencies regarding same issues, for same purpose.

Lobby for appropriate treatment of timeshare consumer lending, including specifically with regard to TILA (Truth in Lending Act) provisions, and loan originator and other licensing and registration requirements, in any mortgage lending legislation, including in: H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; H.R. 1424 and all other versions of the Emergency Economic Stabilization Act of 2008; (see addendum page) S. 2452, the Home Ownership Preservation and Protection Act of 2007; H.R. 5857, the Homeownership Protection and Housing Market Stabilization Act of 2008; S. 2595, the Secure and Fair Enforcement for Mortgage Licensing Act of 2008; H.R. 5830, the FHA Housing Stabilization and Homeowner Retention Act of 2008; H.R. 5818, the Neighborhood Stabilization Act of 2008; H.R. 3221, the Foreclosure Prevention Act of 2008; and the May 20th Senate Banking Committee mark-up and passage of The Federal Housing Finance Regulatory Reform Act of 2008, now part of H.R. 3221. Monitor regulatory activity by appropriate agencies regarding same issues, for same purpose.

Lobby for appropriate treatment of timeshare consumer lending, including specifically with regard to TILA (Truth in Lending Act) provisions, and loan originator and other licensing and registration requirements, in any mortgage lending legislation, including in: H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; (see addendum page) S. 2452, the Home Ownership Preservation and Protection Act of 2007; H.R. 5857, the Homeownership Protection and Housing Market Stabilization Act of 2008; S. 2595, the Secure and Fair Enforcement for Mortgage Licensing Act of 2008; H.R. 5830, the FHA Housing Stabilization and Homeowner Retention Act of 2008; H.R. 5818, the Neighborhood Stabilization Act of 2008; H.R. 3221, the Foreclosure Prevention Act of 2008; and the May 20th Senate Banking Committee mark-up and passage of The Federal Housing Finance Regulatory Reform Act of 2008, now part of H.R. 3221. Monitor regulatory activity by appropriate agencies regarding same issues, for same purpose.

Lobby for appropriate treatment of timeshare consumer lending, including specifically with regard to TILA (Truth in Lending Act) provisions, and loan originator and other licensing and registration requirements, in any mortgage lending legislation, including in: H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; (see addendum page) S. 2452, the Home Ownership Preservation and Protection Act of 2007; H.R. 5857, the Homeownership Protection and Housing Market Stabilization Act of 2008; S. 2595, the Secure and Fair Enforcement for Mortgage Licensing Act of 2008; H.R. 5830, the FHA Housing Stabilization and Homeowner Retention Act of 2008; H.R. 5818, the Neighborhood Stabilization Act of 2008; H.R. 3221, the Foreclosure Prevention Act of 2008; and the May 20th Senate Banking Committee mark-up and passage of The Federal Housing Finance Regulatory Reform Act of 2008, now part of H.R. 3221. Monitor regulatory activity by appropriate agencies regarding same issues, for same purpose.

Lobby for appropriate treatment of timeshare consumer lending, including specifically with regard to TILA (Truth in Lending Act) provisions, and loan originator and other licensing and registration requirements, in any mortgage lending legislation, including in: H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; H.R. 1424 and all other versions of the Emergency Economic Stabilization Act of 2008; (see addendum page) S. 2452, the Home Ownership Preservation and Protection Act of 2007; H.R. 5857, the Homeownership Protection and Housing Market Stabilization Act of 2008; S. 2595, the Secure and Fair Enforcement for Mortgage Licensing Act of 2008; H.R. 5830, the FHA Housing Stabilization and Homeowner Retention Act of 2008; H.R. 5818, the Neighborhood Stabilization Act of 2008; H.R. 3221, the Foreclosure Prevention Act of 2008; and the May 20th Senate Banking Committee mark-up and passage of The Federal Housing Finance Regulatory Reform Act of 2008, now part of H.R. 3221. Monitor regulatory activity by appropriate agencies regarding same issues, for same purpose.

Lobby for appropriate treatment of timeshare consumer lending, including specifically with regard to TILA (Truth in Lending Act) provisions, and loan originator and other licensing and registration requirements, in any mortgage lending legislation, including in: H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; H.R. 1424 and all other versions of the Emergency Economic Stabilization Act of 2008; (see addendum page) S. 2452, the Home Ownership Preservation and Protection Act of 2007; H.R. 5857, the Homeownership Protection and Housing Market Stabilization Act of 2008; S. 2595, the Secure and Fair Enforcement for Mortgage Licensing Act of 2008; H.R. 5830, the FHA Housing Stabilization and Homeowner Retention Act of 2008; H.R. 5818, the Neighborhood Stabilization Act of 2008; H.R. 3221, the Foreclosure Prevention Act of 2008; and the May 20th Senate Banking Committee mark-up and passage of The Federal Housing Finance Regulatory Reform Act of 2008, now part of H.R. 3221. Monitor regulatory activity by appropriate agencies regarding same issues, for same purpose.

Lobby for appropriate treatment of timeshare consumer lending, including specifically with regard to TILA (Truth in Lending Act) provisions, and loan originator and other licensing and registration requirements, in any mortgage lending legislation, including in: H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; H.R. 1424 and all other versions of the Emergency Economic Stabilization Act of 2008; (see addendum page) S. 2452, the Home Ownership Preservation and Protection Act of 2007; H.R. 5857, the Homeownership Protection and Housing Market Stabilization Act of 2008; S. 2595, the Secure and Fair Enforcement for Mortgage Licensing Act of 2008; H.R. 5830, the FHA Housing Stabilization and Homeowner Retention Act of 2008; H.R. 5818, the Neighborhood Stabilization Act of 2008; H.R. 3221, the Foreclosure Prevention Act of 2008; and the May 20th Senate Banking Committee mark-up and passage of The Federal Housing Finance Regulatory Reform Act of 2008, now part of H.R. 3221. Monitor regulatory activity by appropriate agencies regarding same issues, for same purpose.

Lobby for appropriate treatment of timeshare consumer lending, including specifically with regard to TILA (Truth in Lending Act) provisions, and loan originator and other licensing and registration requirements, in any mortgage lending legislation, including in: H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; (see addendum page) S. 2452, the Home Ownership Preservation and Protection Act of 2007; H.R. 5857, the Homeownership Protection and Housing Market Stabilization Act of 2008; S. 2595, the Secure and Fair Enforcement for Mortgage Licensing Act of 2008; H.R. 5830, the FHA Housing Stabilization and Homeowner Retention Act of 2008; H.R. 5818, the Neighborhood Stabilization Act of 2008; H.R. 3221, the Foreclosure Prevention Act of 2008; and the May 20th Senate Banking Committee mark-up and passage of The Federal Housing Finance Regulatory Reform Act of 2008, now part of H.R. 3221. Monitor regulatory activity by appropriate agencies regarding same issues, for same purpose.

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 Prevention Act; H.R. 5716, the Taxpayer Bill of Rights Act of 2008 and H.R 7188, the Tax Refund Anticipation Loan Consumer Protection Act) to protect Pacific's ability to offer, and consumers' ability to receive, with solid disclosures and protections, (see addendum page) these loan products; 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 Prevention Act; H.R. 5716, the Taxpayer Bill of Rights Act of 2008 and H.R 7188, the Tax Refund Anticipation Loan Consumer Protection Act) to protect Pacific's ability to offer, and consumers' ability to receive, with solid disclosures and protections, (see addendum page) these loan products; 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 Prevention Act; H.R. 5716, the Taxpayer Bill of Rights Act of 2008 and H.R 7188, the Tax Refund Anticipation Loan Consumer Protection Act ) to protect Pacific's ability to offer, and consumers' ability to receive, with solid disclosures and protections, (see addendum page) these loan products; 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.