AMERICAN BANKERS ASSOCIATION for AMERICAN BANKERS ASSOCIATION

Banking BAN

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

Contacted: HOUSE OF REPRESENTATIVES; Treasury, Dept of; Defense, Dept of (DOD); Office of Management & Budget (OMB); Labor, Dept of (DOL); White House Office; Housing & Urban Development, Dept of (HUD); Social Security Administration (SSA); Federal Reserve System; SENATE; Justice, Dept of (DOJ)

Bills named: S. 1176 (110th), S. 3252 (110th), H.R. 2911 (110th), S. 1395 (110th), H.R. 3221 (110th), S. 2169 (110th), H.R. 3838 (110th), S. 2036 (110th), S. 3086 (110th), H.R. 5244 (110th), H.Res. 526 (110th), S. 2957 (110th), H.R. 946 (110th), S. 2753 (110th), H.R. 1314 (110th), H.R. 3915 (110th), H.R. 1066 (110th), H.R. 5546 (110th), H.R. 1508 (110th), H.R. 1515 (110th), H.R. 1787 (110th), H.R. 3837 (110th), H.R. 2146 (110th), S. 869 (110th), H.R. 41 (110th), S. 927 (110th), H.R. 5633 (110th), S. 1299 (110th), S. 2452 (110th), S. 3287 (110th), H.R. 111 (110th), S. 1309 (110th), H.R. 1461 (110th), S. 413 (110th), H.R. 3526 (110th), H.R. 1510 (110th), S. 163 (110th), H.R. 873 (110th), H.R. 1849 (110th), H.R. 6871 (110th), H.R. 4049 (110th), H.R. 1361 (110th), H.R. 3012 (110th), S. 2636 (110th)

Taxation/Internal Revenue Code TAX

S. 601, the Simplification Through Additional Reporting Tax Act of 2007 S. 777, to repeal the imposition of withholding on certain payments made to vendors by government entities. S. 819, the Public Good IRA Rollover Act of 2007 - Amends the Internal Revenue Code to exclude from gross income distributions from individual retirement accounts for certain charitable purposes. S. 940, to amend the Internal Revenue Code of 1986 to permanently extend the subpart F exemption for active financing income (all provisions) S. 1624, A bill to amend the Internal Revenue Code of 1986 to provide that the exception from the treatment of publicly traded partnerships as corporations for partnerships with passive-type income shall not apply to partnerships directly or indirectly deriving income from providing investment adviser and related asset management services. (all provisions) S. 1726, the Business Activity Tax Simplification Act (all provisions) S. 2394, the Good Government Contractor Act of 2007 (provision to repeal withholding requirement) S. 3063, the S Corporation Modernization Act S. 3254, the Small Bank Tax Equity Act S. 3335, the Jobs, Energy, Families, and Disaster Relief Act of 2008 (provisions to extend business-related tax provisions) H.R. 6, the Renewable Fuels, Consumer Protection, and Energy Efficiency Act of 2007 (S.Amdt. 1704, tax title provisions) H.R. 976, the Small Business Tax Relief Act of 2007 (all provisions) H.R. 1419, the Public Good IRA Rollover Act or 2007 - Amends the Internal Revenue Code to exclude from gross income distributions from individual retirement accounts for certain charitable purposes. H.R. 1424, the Emergency Economic Stabilization Act H.R. 1509, to amend the Internal Revenue Code of 1986 to permanently extend the subpart F exemption for active financing income (all provisions) H.R. 1677, the Taxpayer Protection Act of 2007 (refund anticipation loan provisions) H.R. 1023, to repeal the impositions of withholding on certain payments made to vendors by government entities. H.R. 2370, to amend the Internal Revenue Code of 1986 to provide for the establishment of financial security accounts for the care of family members with disabilities. H.R. 2834, to amend the Internal Revenue Code of 1986 to treat income received by partners for performing investment management services as ordinary income received for the performance of services. H.R. 3056, the Tax Collection Responsibility Act of 2007 (all provisions) H.R. 3221, the American Housing Rescue and Foreclosure Prevention Act H.R. 3648, the Mortgage Forgiveness Debt Relief Act of 2007 (all provisions) H.R. 3678, the Internet Tax Freedom Act Amendments Act of 2007 (all provisions) H.R. 3970, the Tax Reduction and Reform Act of 2007 (revenue offset provisions, including economic substance doctrine, cost basis reporting, and deferred compensation taxation) H.R. 3996, the Tax Increase Prevention Act of 2007 (mortgage debt forgiveness, revenue offset tax provisions) H.R. 3997, the Emergency Economic Stabilization Act H.R. 4351, the AMT Relief Act of 2007 (revenue offsets provisions on the economic substance doctrine, deferred offshore compensation for hedge fund managers, and interest expense allocation rules for multinational firms) H.R. 4840, the S Corporation Modernization Act (all provisions) H.R. 5267, the Business Activity Tax Simplification Act of 2008 (all provisions) H.R. 5720, the Housing Assistance Tax Act of 2008 (all provisions, including bond authority, tax credits, cost-basis reporting requirements, and IRS withholding requirements) H.R. 6049, the Renewable Energy and Job Creation Act of 2008 (tax extension provisions, including research and development tax credit, Subpart F and Section 355 (controlled foreign corporation) rules, new markets tax credit; revenue offsets including effective date of new interest expense allocation, changes to deferred compensation rules for managers of offshore hedge funds) H.R. 6275, the Alternative Minimum Tax Relief Act of 2008 (revenue offset provisions) H.R. 6333, the Municipal Bonds Market Support Act (all provisions) H.R. 6601, the Small Business Tax Modernization Act of 2008 (all provisions) H.R. 7060, the Renewable Energy and Job Creation Tax Act of 2008 (business tax provisions, revenue offsets) Draft Legislation to require Cost-Basis Reporting for Securities Credit Card Information Reporting Codification of the Economic Substance Doctrine Proposals to apply unrelated business income tax (UBIT) to credit unions Proposals on Estate and Gift Tax Reform Proposed Middle Class Job Security Act (corporate tax rate, net operating loss carry-back provisions) Proposed amendment to Section 67(e) tax deductibility of trustee fees

Contacted: SENATE; Labor, Dept of (DOL); White House Office; Housing & Urban Development, Dept of (HUD); Treasury, Dept of; HOUSE OF REPRESENTATIVES; Justice, Dept of (DOJ); Office of Management & Budget (OMB); Defense, Dept of (DOD); Social Security Administration (SSA); Federal Reserve System

Bills named: H.R. 1419 (110th), H.R. 6049 (110th), H.R. 6 (110th), S. 940 (110th), S. 3063 (110th), H.R. 3970 (110th), S. 819 (110th), S. 1624 (110th), H.R. 6601 (110th), H.R. 1509 (110th), S. 3254 (110th), H.R. 3997 (110th), H.R. 6275 (110th), H.R. 3996 (110th), H.R. 5267 (110th), S. 1726 (110th), S. 3335 (110th), H.R. 976 (110th), H.R. 1677 (110th), H.R. 3221 (110th), H.R. 6333 (110th), H.R. 3678 (110th), H.R. 2370 (110th), S. 2394 (110th), S. 777 (110th), H.R. 5720 (110th), H.R. 4351 (110th), S. 601 (110th), H.R. 2834 (110th), H.R. 1023 (110th), H.R. 7060 (110th), H.R. 3056 (110th), H.R. 3648 (110th), H.R. 4840 (110th), H.R. 1424 (110th)

Retirement RET

S. 1141, the Automatic IRA Act of 2007(all provisions) H.R. 2167, the Automatic IRA Act of 2007(all provisions) H.R. 3185, the 401(k) Fair Disclosure for Retirement Security Act of 2007 (all provisions) S.2473, the Defined Contribution Fee Disclosure Act of 2007 S. 3268, the Commodity Markets Transparency and Accountability Act of 2008 (provisions to restrict commodity investments by pension funds) H.R. 3361, Pension Protection Technical Corrections Act of 2008 H.R. 6604, the Commodity Markets Transparency and Accountability Act of 2008 (provisions to restrict commodity investments by pension funds) Pension Protection Act Implementation (all provisions, including rules for Type III supporting organizations) 401(K) Fee Transparency

Contacted: Defense, Dept of (DOD); Office of Management & Budget (OMB); Labor, Dept of (DOL); SENATE; Federal Reserve System; Housing & Urban Development, Dept of (HUD); HOUSE OF REPRESENTATIVES; Justice, Dept of (DOJ); Social Security Administration (SSA); Treasury, Dept of; White House Office

Bills named: S. 1141 (110th), H.R. 2167 (110th), H.R. 3185 (110th), S. 3268 (110th), S. 2473 (110th), H.R. 6604 (110th), H.R. 3361 (110th)

Economics/Economic Development ECN

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

Contacted: HOUSE OF REPRESENTATIVES; SENATE; Defense, Dept of (DOD); Federal Reserve System; Justice, Dept of (DOJ); Office of Management & Budget (OMB); Housing & Urban Development, Dept of (HUD); White House Office; Treasury, Dept of; Labor, Dept of (DOL); Social Security Administration (SSA)

Bills named: H.R. 5140 (110th)

Bankruptcy BNK

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

Contacted: White House Office; Defense, Dept of (DOD); Justice, Dept of (DOJ); Office of Management & Budget (OMB); HOUSE OF REPRESENTATIVES; Treasury, Dept of; Social Security Administration (SSA); Housing & Urban Development, Dept of (HUD); Federal Reserve System; SENATE; Labor, Dept of (DOL)

Bills named: S. 2136 (110th), S. 2133 (110th), H.R. 3609 (110th), H.R. 4044 (110th), S. 3197 (110th)

Consumer Issues/Safety/Products CSP

S. 1782, the Arbitration Fairness Act of 2007 (all provisions) H.R. 3010, the Arbitration Fairness Act of 2007 (all provisions) H.R. 5312, the Automobile Arbitration Fairness Act (provisions relating to auto loans and leases)

Contacted: Office of Management & Budget (OMB); Treasury, Dept of; Defense, Dept of (DOD); Labor, Dept of (DOL); Federal Reserve System; Housing & Urban Development, Dept of (HUD); HOUSE OF REPRESENTATIVES; Justice, Dept of (DOJ); SENATE; White House Office; Social Security Administration (SSA)

Bills named: S. 1782 (110th), H.R. 3010 (110th), H.R. 5312 (110th)

Trade (domestic/foreign) TRD

H.R. 3920, the Trade and Globalization Assistance Act of 2007 (interest-allocation tax provision)

Contacted: HOUSE OF REPRESENTATIVES; White House Office; SENATE; Justice, Dept of (DOJ); Social Security Administration (SSA); Federal Reserve System; Defense, Dept of (DOD); Treasury, Dept of; Labor, Dept of (DOL); Office of Management & Budget (OMB); Housing & Urban Development, Dept of (HUD)

Bills named: H.R. 3920 (110th)

Accounting ACC

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

Contacted: Labor, Dept of (DOL); HOUSE OF REPRESENTATIVES; Social Security Administration (SSA); Federal Reserve System; White House Office; Housing & Urban Development, Dept of (HUD); Office of Management & Budget (OMB); Justice, Dept of (DOJ); SENATE; Treasury, Dept of; Defense, Dept of (DOD)

Financial Institutions/Investments/Securities FIN

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

Contacted: SENATE; Defense, Dept of (DOD); Federal Reserve System; Office of Management & Budget (OMB); Labor, Dept of (DOL); White House Office; Social Security Administration (SSA); HOUSE OF REPRESENTATIVES; Housing & Urban Development, Dept of (HUD); Treasury, Dept of; Justice, Dept of (DOJ)

Bills named: H.R. 1424 (110th), H.R. 3997 (110th), H.R. 1257 (110th), H.R. 323 (110th), H.R. 3013 (110th), H.R. 1171 (110th), H.R. 2727 (110th), H.Con.Res. 140 (110th), H.R. 6659 (110th), H.R. 755 (110th), H.R. 2547 (110th), S. 3254 (110th), H.R. 698 (110th), H.R. 4043 (110th), H.R. 1967 (110th), S. 2957 (110th), S. 1356 (110th), H.R. 1869 (110th), H.R. 1537 (110th), S. 869 (110th), H.R. 1508 (110th), H.R. 5519 (110th), H.R. 6312 (110th)

Agriculture AGR

S. 286, the Rural Economic Investment Act of 2007 (all provisions) S. 2745, to extend agricultural programs beyond March 15, 2008, to suspend permanent price support authorities beyond that date, and for other purposes. H.R. 833, the Rural Communities Investment Act of 2007 (all provisions) H.R. 2419, the Farm, Nutrition, and Bioenergy Act of 2007 (2007 Farm Bill) (Proposals to increase the Farm Credit Systems lending powers (Horizons Project), revenue offset tax provisions) H.R. 6124, the Food, Conservation, and Energy Act of 2008 (Proposals to increase the Farm Credit Systems lending powers (Horizons Project), revenue offset tax provisions)

Contacted: Defense, Dept of (DOD); Treasury, Dept of; Housing & Urban Development, Dept of (HUD); SENATE; Federal Reserve System; White House Office; Office of Management & Budget (OMB); HOUSE OF REPRESENTATIVES; Labor, Dept of (DOL); Social Security Administration (SSA); Justice, Dept of (DOJ)

Bills named: H.R. 833 (110th), S. 2745 (110th), H.R. 6124 (110th), S. 286 (110th), H.R. 2419 (110th)

Gaming/Gambling/Casino GAM

H.R. 2046, the Internet Gambling Regulation and Enforcement Act of 2007 (all provisions) H.R. 5767, to prohibit the Secretary of the Treasury and the Board of Governors of the Federal Reserve System from proposing, prescribing, or implementing any regulation under subchapter IV of chapter 53 of title 31, United States Code, and for other purposes. (Internet Gambling Act regulations). H.R. 6870, the Payments System Protection Act of 2008 (all provisions) Proposal to Amend Section 10b of Securities Exchange Act of 1934 with Respect to Aiding and Abetting Liability

Contacted: Office of Management & Budget (OMB); Housing & Urban Development, Dept of (HUD); SENATE; White House Office; Defense, Dept of (DOD); Treasury, Dept of; Federal Reserve System; Justice, Dept of (DOJ); Social Security Administration (SSA); HOUSE OF REPRESENTATIVES; Labor, Dept of (DOL)

Bills named: H.R. 6870 (110th), H.R. 2046 (110th), H.R. 5767 (110th)

Copyright/Patent/Trademark CPT

S. 1145, the Patent Reform Act of 2007 (all provisions) H.R. 1908, the Patent Reform Act of 2007 (all provisions) H.R. 2365, to amend title 35, United States Code, to limit damages and other remedies with respect to patents for tax planning methods (all provisions)

Contacted: White House Office; Labor, Dept of (DOL); HOUSE OF REPRESENTATIVES; Treasury, Dept of; Federal Reserve System; Housing & Urban Development, Dept of (HUD); Office of Management & Budget (OMB); Defense, Dept of (DOD); Justice, Dept of (DOJ); Social Security Administration (SSA); SENATE

Bills named: H.R. 1908 (110th), H.R. 2365 (110th), S. 1145 (110th)

Small Business SMB

S. 3063, the S Corporation Modernization Act of 2008 (all provisions) H.R. 1332, the Small Business Lending Improvements Act of 2007 (all provisions) H.R. 3866, the Small Business Programs Act of 2007 (provisions relating to SBAs 7(a) loan program) Small Business Administration (SBA) proposal to reduce the 7(a) loan programs annual fee

Contacted: SENATE; Defense, Dept of (DOD); Social Security Administration (SSA); Labor, Dept of (DOL); White House Office; Federal Reserve System; Housing & Urban Development, Dept of (HUD); Justice, Dept of (DOJ); Office of Management & Budget (OMB); Treasury, Dept of; HOUSE OF REPRESENTATIVES

Bills named: H.R. 1332 (110th), S. 3063 (110th), H.R. 3866 (110th)

Housing HOU

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

Contacted: Social Security Administration (SSA); Office of Management & Budget (OMB); Defense, Dept of (DOD); Treasury, Dept of; White House Office; HOUSE OF REPRESENTATIVES; SENATE; Justice, Dept of (DOJ); Labor, Dept of (DOL); Federal Reserve System; Housing & Urban Development, Dept of (HUD)

Bills named: H.R. 5818 (110th), H.R. 6694 (110th), H.R. 2895 (110th), H.R. 5830 (110th)

Budget/Appropriations BUD

S.Con. Res. 21, fiscal year 2008 budget resolution (credit card payments reporting proposal, tax gap provisions) H.J. Res. 20, omnibus appropriations and continuing resolution (all provisions, including proposed amendment concerning competitiveness of U.S. financial services industry) H.Con. Res. 99, fiscal year 2008 budget resolution (credit card payments reporting proposal, tax gap provisions) H.R. 1591, supplemental Defense appropriations legislation (tax provisions) H.R. 2206, supplemental Defense appropriations legislation (tax provisions) H.R. 2638, the Consolidated Security, Disaster Assistance, and Continuing Appropriations Act, 2009 H.R. 2764, the Consolidated Appropriations Act of 2008 (provision providing a two-year moratorium on the Treasury Dept.s proposed rule to allow national banks to offer real estate brokerage and property management services) H.R. 2829, fiscal year 2008 Financial Services appropriations bill (Treasury real estate proposal provisions, restrictions on SEC enforcement of Section 404 for non-accelerated filers, Treasury Dept. Community Development Financial Institutions Fund) H.R. 3074, fiscal year 2008 Transportation and Housing and Urban Development Appropriations (provisions funding home mortgage foreclosure prevention programs) H.R. 3093, fiscal year 2008 Commerce-Justice-Science appropriations (provision reducing funding for the Justice Dept.s Executive Office for U.S. Trustees) H.R. 3222, the Dept. of Defense Appropriations Act of 2008 (continuing appropriations provisions) Fiscal year 2009 budget proposal (proposal to require card companies to report payments to merchants)

Contacted: Justice, Dept of (DOJ); Labor, Dept of (DOL); Housing & Urban Development, Dept of (HUD); Office of Management & Budget (OMB); SENATE; White House Office; Federal Reserve System; HOUSE OF REPRESENTATIVES; Social Security Administration (SSA); Defense, Dept of (DOD); Treasury, Dept of

Bills named: H.Con.Res. 99 (110th), H.R. 2764 (110th), H.R. 3222 (110th), H.R. 3093 (110th), H.R. 2829 (110th), H.R. 2638 (110th), H.R. 3074 (110th), H.R. 1591 (110th), S.Con.Res. 21 (110th), H.R. 2206 (110th), H.J.Res. 20 (110th)

Insurance INS

S. 40, the National Insurance Act (all provisions) S. 926, the Policyholder Disaster Protection Act of 2007 (allowing insurance companies to make tax deductible contributions to a tax-exempt policyholder disaster protection fund) S. 928, the Homeowners Protection Act of 2007 (creating a federal backstop for state natural catastrophe insurance programs) S. 929, the Nonadmitted and Reinsurance Reform Act (all provisions) S. 930, the Hurricane and Tornado Mitigation Investment Act of 2007 (all provisions) S. 931, the National Hurricane Research Initiative Act of 2007 (all provisions) S. 2047, the Flood Insurance Disclosure Act of 2007 (all provisions) S. 2284, the Flood Insurance Reform and Modernization Act of 2007 (all provisions) S. 2327, the Homeowners Insurance Assistance Act of 2007 (all provisions) H.R. 1065, the Nonadmitted and Reinsurance Reform Act (all provisions) H.R. 1682, the Flood Insurance Reform and Modernization Act of 2007 (all provisions) H.R. 1787, the Catastrophe Savings Accounts Act of 2007 (all provisions) H.R. 2895, the National Affordable Housing Trust Fund Act of 2007 (all provisions) H.R. 3121, the Flood Insurance Reform and Modernization Act of 2007 (all provisions) H.R. 3162, Childrens Health and Medicare Protection Act of 2007 (revenue-offset tax provisions) H.R. 3200, the National Insurance Act of 2007 (all provisions to create an optional federal insurance charter) H.R. 3355, the Homeowners Defense Act of 2007 (all provisions) H.R. 3959, To amend the National Flood Insurance Act of 1968 to provide for the phase-in of actuarial rates for certain pre-FIRM properties (all provisions) H.R. 5611, the National Association of Registered Agents and Brokers Reform Act of 2008 (all provisions) H.R. 5792, the Increasing Insurance Coverage Options for Consumers Act of 2008 (all provisions) H.R. 5840, the Insurance Information Act of 2008 (all provisions)

Contacted: Office of Management & Budget (OMB); Social Security Administration (SSA); Defense, Dept of (DOD); Treasury, Dept of; SENATE; HOUSE OF REPRESENTATIVES; Labor, Dept of (DOL); White House Office; Federal Reserve System; Justice, Dept of (DOJ); Housing & Urban Development, Dept of (HUD)

Bills named: S. 2327 (110th), H.R. 1787 (110th), S. 2284 (110th), S. 930 (110th), H.R. 3162 (110th), S. 2047 (110th), H.R. 5611 (110th), H.R. 5792 (110th), H.R. 1065 (110th), S. 928 (110th), H.R. 3959 (110th), H.R. 3121 (110th), H.R. 2895 (110th), H.R. 5840 (110th), H.R. 3200 (110th), H.R. 1682 (110th), S. 929 (110th), S. 40 (110th), S. 931 (110th), H.R. 3355 (110th), S. 926 (110th)

Government Issues GOV

S. 1100, the Federal Housing Finance Reform Act of 2007 (all provisions) S. 2338, the FHA Modernization Act of 2007 (all provisions) H.R. 964, the Spy Act H.R. 1427, the Federal Housing Finance Reform Act of 2007 (all provisions) H.R. 1852, the Expanding American Homeownership Act of 2007 (all provisions) H.R. 2316, the Honest Leadership and Open Government Act of 2007 (all provisions) H.R. 2317, the Lobbying Transparency Act of 2007 (enhanced disclosure provisions)

Contacted: Federal Reserve System; Labor, Dept of (DOL); Housing & Urban Development, Dept of (HUD); HOUSE OF REPRESENTATIVES; SENATE; Office of Management & Budget (OMB); Justice, Dept of (DOJ); Treasury, Dept of; White House Office; Social Security Administration (SSA); Defense, Dept of (DOD)

Bills named: H.R. 964 (110th), S. 2338 (110th), H.R. 2317 (110th), H.R. 1427 (110th), H.R. 1852 (110th), H.R. 2316 (110th), S. 1100 (110th)

Energy/Nuclear ENG

H.R. 3221, the Renewable Energy and Energy Conservation Tax Act of 2007 (substitution of S. 2636, the Foreclosure Prevention Act of 2008, all provisions; interest rate cap amendment) Prevention Act of 2008, all provisions; interest rate cap amendment)

Contacted: Federal Reserve System; Housing & Urban Development, Dept of (HUD); Labor, Dept of (DOL); Social Security Administration (SSA); Treasury, Dept of; Office of Management & Budget (OMB); SENATE; White House Office; Justice, Dept of (DOJ); HOUSE OF REPRESENTATIVES; Defense, Dept of (DOD)

Bills named: S. 2636 (110th), H.R. 3221 (110th)

Education EDU

S. 359, the Student Debt Relief Act (interest rate, lender support, loan guarantee provisions) S. 1642, the Higher Education Amendments of 2007 (lender disclosure provisions) S. 2894, the Private Student Loan Transparency and Improvement Act (all provisions) H.R. 5, the College Student Relief Act of 2007 (interest rate, lender support, loan guarantee provisions) H.R. 890, the Student Loan Sunshine Act (all provisions) H.R. 2669, the College Cost Reduction Act of 2007 (interest rate, lender support, loan guarantee provisions) H.R. 3966, the Early Education Workforce Act H.R. 4137, the College Opportunity and Affordability Act of 2007 (lender disclosure provisions) H.R. 5715, the Ensuring Continued Access to Student Loans Act of 2008 (all provisions)

Contacted: SENATE; Defense, Dept of (DOD); Justice, Dept of (DOJ); Office of Management & Budget (OMB); Federal Reserve System; Social Security Administration (SSA); Housing & Urban Development, Dept of (HUD); White House Office; HOUSE OF REPRESENTATIVES; Treasury, Dept of; Labor, Dept of (DOL)

Bills named: S. 1642 (110th), H.R. 890 (110th), H.R. 4137 (110th), S. 2894 (110th), H.R. 5 (110th), S. 359 (110th), H.R. 3966 (110th), H.R. 2669 (110th), H.R. 5715 (110th)

Labor Issues/Antitrust/Workplace LBR

S. 1843, the Fair Pay Restoration Act H.R. 2831, the Lilly Ledbetter Fair Pay Act of 2007 H.R. 5749, the Emergency Extended Unemployment Compensation Act of 2008 (merchant card reporting provision revenue offset)

Contacted: Defense, Dept of (DOD); Federal Reserve System; White House Office; Social Security Administration (SSA); SENATE; Justice, Dept of (DOJ); Labor, Dept of (DOL); Housing & Urban Development, Dept of (HUD); Treasury, Dept of; Office of Management & Budget (OMB); HOUSE OF REPRESENTATIVES

Bills named: H.R. 2831 (110th), H.R. 5749 (110th), S. 1843 (110th)

Law Enforcement/Crime/Criminal Justice LAW

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

Contacted: SENATE; Federal Reserve System; HOUSE OF REPRESENTATIVES; Justice, Dept of (DOJ); Defense, Dept of (DOD); White House Office; Housing & Urban Development, Dept of (HUD); Social Security Administration (SSA); Treasury, Dept of; Office of Management & Budget (OMB); Labor, Dept of (DOL)

Bills named: S. 1202 (110th), H.R. 958 (110th), S. 495 (110th), H.R. 964 (110th), S. 239 (110th), S. 1260 (110th), H.R. 2568 (110th), H.R. 948 (110th), S. 1178 (110th), H.R. 1525 (110th), S. 618 (110th), H.R. 3046 (110th), H.R. 837 (110th)