Issues related to tax-related financial products, especially Refund Anticipation Loans (RALs), which are offered by Pacific Capital. Lobby to protect Pacific's ability to offer, and consumers' ability to receive, with solid disclosures and protections of these loan products. 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 S. 585, Taxpayer Abuse Prevention Act; (see addendum)S. 500, Protecting Consumers from Unreasonable Credit Rates Act; and H.R. 1214, the Payday Loan Reform Act; H.R. 3126, the Consumer Financial Protection Agency Act; and H.R. 4173, the Wall Street Reform and Consumer Protection Act and predecessor bills in the House and Senate counterparts.
Issues related to tax-related financial products, especially Refund Anticipation Loans (RALs), which are offered by Pacific Capital. Lobby to protect Pacific's ability to offer, and consumers' ability to receive, with solid disclosures and protections of these loan products. 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 S. 585, Taxpayer Abuse Prevention Act; (see addendum).S. 500, Protecting Consumers from Unreasonable Credit Rates Act; and H.R. 1214, the Payday Loan Reform Act; H.R. 3126, the Consumer Financial Protection Agency Act; and H.R. 4173, the Wall Street Reform and Consumer Protection Act and predecessor bills in the House and Senate counterparts.
Duration: January 23, 2007
to
December 31, 2009
General Issues: Banking , Consumer Issues/Safety/Protection , Financial Institutions/Investments/Securities , Government Issues , Taxation/Internal Revenue Code
Spending: about $480,000 (But it's complicated. Here's why.)
It can be tricky to figure out how much an organization spent on a particular lobbying engagement. The law only requires lobbyists to report the amount they were paid for federal lobbying each quarter rounded to the nearest $10,000—and if it's less than $3,000 in a given quarter (or less than $13,000 for organizations with in-house lobbyists), they don't have to disclose it at all. Plus, some organizations include spending that doesn’t belong in the report—for instance, money spent lobbying state governments or other legal work.
Agencies lobbied since 2007: House of Representatives, U.S. Senate, Internal Revenue Service (IRS), Y
Y
Lobbyists
Lobbyists named here were listed on a filing related to this lobbying engagement. They may not be working on it now. Occasionally, a single lobbyist whose name is spelled two different ways on filings may be represented twice here.
Lobbyist
Covered positions?
James E. Datri Ex. Dir., Democratic Caucus, U.S. House of Representatives
David Ransom 2007-08: Sr Communications and Policy Advisor,
House Majority Leader Steny Hoyer; 2002-06:
Communications Director, House Democratic
Whip Steny Hoyer; 1999-2001: Communications
Director, House Committee on Administration
(Steny Hoyer, Ranking Member)
Paul D. Hatch n/a
Calvin P. Johnson n/a
Stephen M. Ryan n/a
Disclosures Filed
Once a lobbying engagement begins, the lobbyist or firm is required to file updates four times a year. Those updates sometimes change which lobbyists are involved or add new issues being discussed. When lobbyists stop working for a client, the firm is also supposed to file a report disclosing the end of the relationship.
4th Quarter, 2009
MCDERMOTT WILL & EMERY LLP terminated an engagement in which they represented Pacific Capital Bank, N.A. on Jan. 19, 2010.
Original Filing: 300238172.xml
Lobbying Issues
Issues related to tax-related financial products, especially Refund Anticipation Loans (RALs), which are offered by Pacific Capital. Lobby to protect Pacific's ability to offer, and consumers' ability to receive, with solid disclosures and protections of these loan products. 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 S. 585, Taxpayer Abuse Prevention Act; (see addendum)S. 500, Protecting Consumers from Unreasonable Credit Rates Act; and H.R. 1214, the Payday Loan Reform Act; H.R. 3126, the Consumer Financial Protection Agency Act; and H.R. 4173, the Wall Street Reform and Consumer Protection Act and predecessor bills in the House and Senate counterparts.
Agencies Lobbied
U.S. House of Representatives
Type of Issue
Banking/Safety/Protection/Internal Revenue Code
Lobbying Issues
Issues related to tax-related financial products, especially Refund Anticipation Loans (RALs), which are offered by Pacific Capital. Lobby to protect Pacific's ability to offer, and consumers' ability to receive, with solid disclosures and protections of these loan products. 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 S. 585, Taxpayer Abuse Prevention Act; (see addendum).S. 500, Protecting Consumers from Unreasonable Credit Rates Act; and H.R. 1214, the Payday Loan Reform Act; H.R. 3126, the Consumer Financial Protection Agency Act; and H.R. 4173, the Wall Street Reform and Consumer Protection Act and predecessor bills in the House and Senate counterparts.
Agencies Lobbied
U.S. House of Representatives
Type of Issue
Financial Institutions/Investments/Securities
3rd Quarter, 2009
In Q3, MCDERMOTT WILL & EMERY LLP lobbied for Pacific Capital Bank, N.A. , earning $60,000. The report was filed on Oct. 19, 2009.
Original Filing: 300212568.xml
Lobbying Issues
Issues related to tax-related financial products, especially Refund Anticipation Loans (RALs), which are offered by Pacific Capital. Lobby to protect Pacific's ability to offer, and consumers' ability to receive, with solid disclosures and protections of these loan products. 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 S. 585, Taxpayer Abuse Prevention Act; (see addendum)S. 500, Protecting Consumers from Unreasonable Credit Rates Act; and H.R. 1214, the Payday Loan Reform Act; and H.R. 3126, the Consumer Financial Protection Agency Act.
Agencies Lobbied
U.S. House of Representatives
Type of Issue
Banking/Safety/Protection/Internal Revenue Code
Lobbying Issues
Issues related to tax-related financial products, especially Refund Anticipation Loans (RALs), which are offered by Pacific Capital. Lobby to protect Pacific's ability to offer, and consumers' ability to receive, with solid disclosures and protections of these loan products. 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 S. 585, Taxpayer Abuse Prevention Act; (see addendum).S. 500, Protecting Consumers from Unreasonable Credit Rates Act; and H.R. 1214, the Payday Loan Reform Act; and H.R. 3126, the Consumer Financial Protection Agency Act.
Agencies Lobbied
U.S. House of Representatives
Type of Issue
Financial Institutions/Investments/Securities
2nd Quarter, 2009
In Q2, MCDERMOTT WILL & EMERY LLP lobbied for Pacific Capital Bank, N.A. , earning $60,000. The report was filed on July 18, 2009.
Original Filing: 300184925.xml
Lobbying Issues
Issues related to tax-related financial products, especially Refund Anticipation Loans (RALs), which are offered by Pacific Capital. Lobby to protect Pacific's ability to offer, and consumers' ability to receive, with solid disclosures and protections these loan products. 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 S. 585, Taxpayer Abuse Prevention Act; (see addendum)S. 500, Protecting Consumers from Unreasonable Credit Rates Act; and H.R. 1214, the Payday Loan Reform Act.
Agencies Lobbied
U.S. House of Representatives
Type of Issue
Banking/Safety/Protection/Internal Revenue Code
Lobbying Issues
Issues related to tax-related financial products, especially Refund Anticipation Loans (RALs), which are offered by Pacific Capital. Lobby to protect Pacific's ability to offer, and consumers' ability to receive, with solid disclosures and protections these loan products. 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 S. 585, Taxpayer Abuse Prevention Act; (see addendum).S. 500, Protecting Consumers from Unreasonable Credit Rates Act; and H.R. 1214, the Payday Loan Reform Act.
Agencies Lobbied
U.S. House of Representatives
Type of Issue
Financial Institutions/Investments/Securities
1st Quarter, 2009
In Q1, MCDERMOTT WILL & EMERY LLP lobbied for Pacific Capital Bank, N.A. , earning $60,000. The report was filed on April 20, 2009.
Original Filing: 300158397.xml
Lobbying Issues
Issues related to tax-related financial products, especially Refund Anticipation Loans (RALs), which are offered by Pacific Capital. Lobby to protect Pacific's ability to offer, and consumers' ability to receive, with solid disclosures and protections these loan products. 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.S. 566, Financial Product Safety Commission Act; S. 585, Taxpayer Abuse Prevention Act; S. 500 and H.R. 1608, Protecting Consumers from Unreasonable Credit Rates Act
Agencies Lobbied
U.S. House of Representatives
Type of Issue
Banking/Safety/Protection/Investments/Securities/Internal Revenue Code
4th Quarter, 2008
In Q4, MCDERMOTT WILL & EMERY LLP lobbied for Pacific Capital Bank, N.A. , earning $60,000. The report was filed on Jan. 16, 2009.
Original Filing: 300121249.xml
Lobbying Issues
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.
Agencies Lobbied
U.S. House of Representatives
Lobbying Issues
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.
Agencies Lobbied
U.S. House of Representatives
Type of Issue
Consumer Issues/Safety/Protection
Lobbying Issues
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.
Agencies Lobbied
U.S. House of Representatives
Type of Issue
Financial Institutions/Investments/Securities/Internal Revenue Code
3rd Quarter, 2008
In Q3, MCDERMOTT WILL & EMERY LLP lobbied for Pacific Capital Bank, N.A. , earning $60,000. The report was filed on Oct. 16, 2008.
Original Filing: 300094924.xml
Lobbying Issues
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.
Agencies Lobbied
U.S. House of Representatives
Type of Issue
Banking/Safety/Protection/Investments/Securities/Internal Revenue Code
2nd Quarter, 2008
In Q2, MCDERMOTT WILL & EMERY LLP lobbied for Pacific Capital Bank, N.A. , earning $60,000. The report was filed on July 18, 2008.
Original Filing: 300071092.xml
Lobbying Issues
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.
Agencies Lobbied
U.S. House of Representatives
Type of Issue
Banking/Safety/Protection/Investments/Securities/Internal Revenue Code
1st Quarter, 2008
In Q1, MCDERMOTT WILL & EMERY LLP lobbied for Pacific Capital Bank, N.A. , earning $60,000. The report was filed on April 16, 2008.
Original Filing: 300039634.xml
Lobbying Issues
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.
Agencies Lobbied
U.S. House of Representatives
Type of Issue
Banking/Safety/Protection/Investments/Securities/Internal Revenue Code
1st Quarter, 2007
McDermott Will & Emery LLP filed a lobbying registration on Feb. 13, 2007 to represent Pacific Capital Bank, N.A., effective Jan. 23, 2007.
Original Filing: 200031676.xml
Issue(s) they said they’d lobby about: Tax related financial products; issues related to Refund Anticipation Loans (RALs); Earned Income Tax Credit (EITC) issues; legislation including: predatory lending and taxpayer privacy. .
0th Quarter, 2007
In MM, MCDERMOTT WILL & EMERY LLP lobbied for Pacific Capital Bank, N.A. , earning $140,000. The report was filed on Aug. 3, 2007.
Original Filing: 200045442.xml
Lobbying Issues
Tax-related financial products; issues related to Refund Anticipation Loans (RALs); Earned Income Tax Credit (EITC) issues; I.R.S. Debt Indicator (D.I.); legislation including: predatory lending, taxpayer privacy and protection, H.R. 1677 (Taxpayer Protection Act of 2007).
Type of Issue
Banking/Safety/Protection/Investments/Securities/Internal Revenue Code
Source: Clerk of the U.S. House of Representatives and Secretary of the Senate
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