To amend the Internal Revenue Code of 1986 to allow baby formula to be reimbursed under a health flexible spending arrangement if the mother has had a mastectomy and is medically unable to breastfeed.

MCUL stands opposed to efforts to change the existing credit card interchange system by expanding requirements under the so-called Durbin Amendment established under the Dodd-Frank wall Street Reform and Consumer Protection Act of 2010. We have been educating our delegation on the importance of the current credit card interchange system with regard to ensuring consumer data remains secure and private and are asking our delegation to oppose any legislation of this type, including the Credit Card Competition Act. We continue to educate our congressional delegation on voluntary overdraft protection services offered by credit unions and the value our members place on these services. MCUL is opposed to legislation that would severely limit a financial institution's ability to offer these voluntary, opt-in services to our members who want access. MCUL is urging Congress to fully fund the CDFI program in FY26 and call on the Administration to release FY25 that were appropriated so awardees can utilize those dollars to carry out programs and services that assist people in need. We are also calling on Congress to improves program transparency, accountability and oversight. MCUL is supporting H.R. 3445, the Bureau of Consumer Financial Protection Commission Act, that would restructure the CFBP from a one director led agency to a 5-member commission led agency. MCUL is opposed to the 10 Percent Credit Card Interest Rate Cap Act (H.R. 1944/S.381) and is educating members of Congress on the negative impact the legislation would have on a substantial number of Americans, especially those with poor credit.

Client expense: $40,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

While MCUL takes no position on the issue of cannabis legalization, it supports the introduction and passage of legislation that would provide a safe harbor for financial institutions to serve their members needs in states where cannabis use has become legal. MCUL stands opposed to efforts to change the existing credit card interchange system by expanding requirements under the so-called Durbin Amendment established under the Dodd-Frank wall Street Reform and Consumer Protection Act of 2010. We have been educating our delegation on the importance of the current credit card interchange system with regard to ensuring consumer data remains secure and private and are asking our delegation to oppose any legislation of this type, including the Credit Card Competition Act. We continue to educate our congressional delegation on voluntary overdraft protection services offered by credit unions and the value our members place on these services. MCUL is opposed to legislation that would severely limit a financial institution's ability to offer these voluntary, opt-in services to our members who want access. MCUL is urging Congress to fully fund the CDFI program in FY26 and call on the Administration to release FY25 that were appropriated so awardees can utilize those dollars to carry out programs and services that assist people in need. We are also calling on Congress to improves program transparency, accountability and oversight. MCUL is supporting H.R. 3445, the Bureau of Consumer Financial Protection Commission Act, that would restructure the CFBP from a one director led agency to a 5-member commission led agency.

Client expense: $60,000 · Firm income: Not reported

H.R.2890 - To amend the Consumer Financial Protection Act of 2010 to direct the Office of Community Affairs to identify causes leading to, and solutions for, under-banked, un-banked, and underserved consumers, and for other purposes. H.R.3445 - To amend the Consumer Financial Protection Act of 2010 to make the Bureau of Consumer Financial Protection an independent agency led by a commission, and for other purposes. H.R.3704 - To reduce the health risks of heat by establishing the National Integrated Heat Health Information System within the National Oceanic and Atmospheric Administration and the National Integrated Heat Health Information System Interagency Committee to improve extreme heat preparedness, planning, and response, and for other purposes. H.R.4844 - To establish an occupational safety and health standard to protect farmworkers from wildfire smoke and excessive heat, and for other purposes. S.2429 - A bill to amend the Consumer Financial Protection Act of 2010 to ensure the Bureau of Consumer Financial Protection retains adequate resources to ensure fair, transparent, and competitive markets for financial products and services for consumers and to provide for whistleblower incentives and protection. S.3061 - A bill to require the Inspector General of the Department of Housing and Urban Development to testify before the Congress annually, and for other purposes.

Client expense: $465,758 · Firm income: Not reported

H.R.2890 - To amend the Consumer Financial Protection Act of 2010 to direct the Office of Community Affairs to identify causes leading to, and solutions for, under-banked, un-banked, and underserved consumers, and for other purposes. H.R.3445 - To amend the Consumer Financial Protection Act of 2010 to make the Bureau of Consumer Financial Protection an independent agency led by a commission, and for other purposes. H.R.3704 - To reduce the health risks of heat by establishing the National Integrated Heat Health Information System within the National Oceanic and Atmospheric Administration and the National Integrated Heat Health Information System Interagency Committee to improve extreme heat preparedness, planning, and response, and for other purposes. H.R.4844 - To establish an occupational safety and health standard to protect farmworkers from wildfire smoke and excessive heat, and for other purposes. S.2429 - A bill to amend the Consumer Financial Protection Act of 2010 to ensure the Bureau of Consumer Financial Protection retains adequate resources to ensure fair, transparent, and competitive markets for financial products and services for consumers and to provide for whistleblower incentives and protection.

Client expense: $442,147 · Firm income: Not reported

Opposing the funding contingency plans for the CFPB and CFDI Fund CFPB authority and funtions, related to structure and supervision, research and enforcement priorities; Supervision and enforcement of unregulated "fintech" products and non-brank lenders; Ongoing concerns with other office closures and RIFs at CFPB, Treasury and CDFI Lending Fund; Ongoing concerns with administration efforts to eliminate or consolidate prudential regulators of banking services; H.R. 654, opposing the Taking Account of Bureaucrats Spending (TABS) Act of 2025; H.R. 2392, opposing the Stablecoin Transparency and Accountability for a Better Ledger Economy (STABLE) Act of 2025; H.R. 3633, opposing the Digital Asset Market Clarity Act (CLARITY Act) of 2025; H.R. 2702 / S. 875, opposing the Financial Integrity and Regulation Management Act (FIRM Act); H.R. 4544, supporting the American Access to Banking Act, a bill to promote the formation of de novo regulated institutions; S.1582, opposing the GENIUS Act - a bill establishing a regulatory framework for payment stablecoins; H.R. 2885, opposing the Bank Loan Privacy Act H.R. 1606, opposing the Making the CFPB Accountable to Small Business Act H.R. 2331, oppposing the Transparency in CFPB Cost-Benefit Analysis Act H.R. 2183, opposing the CFPB Dual Mandate and Economic Analysis Act H.R. 3445, opposing the Commission of the Bureau of Consumer Financial Protection Act H.R. ____, opposing a bill to amend the Consumer Financial Protection Act of 2010 to eliminate the market monitoring functions of the Bureau of Consumer Financial Protection, and for other purposes; H.R. ____, opposing the Earned Wage Access Consumer Protection Act H.R. ____, opposing the Small Dollar Loan Certainty Act S. 2429, supporting the Stop the Scammers Act

While MCUL takes no position on the issue of cannabis legalization, it supports the introduction and passage of legislation that would provide a safe harbor for financial institutions to serve their members needs in states where cannabis use has become legal. MCUL stands opposed to efforts to change the existing credit card interchange system by expanding requirements under the so-called Durbin Amendment established under the Dodd-Frank wall Street Reform and Consumer Protection Act of 2010. We have been educating our delegation on the importance of the current credit card interchange system with regard to ensuring consumer data remains secure and private and are asking our delegation to oppose any legislation of this type, including the Credit Card Competition Act, if reintroduced. We continue to educate our congressional delegation on voluntary overdraft protection services offered by credit unions and the value our members place on these services. MCUL is opposed to legislation that would severely limit a financial institution's ability to offer these voluntary, opt-in services to our members who want access. MCUL is urging Congress to fully fund the CDFI program in FY26 and call on the Administration to release FY25 that were appropriated so awardees can utilize those dollars to carry out programs and services that assist people in need. We are also calling on Congress to improves program transparency, accountability and oversight. MCUL is supporting H.R. 3445, the Bureau of Consumer Financial Protection Commission Act, that would restructure the CFBP from a one director led agency to a 5-member commission led agency.

Client expense: $40,000 · Firm income: Not reported

H.R.2890 - To amend the Consumer Financial Protection Act of 2010 to direct the Office of Community Affairs to identify causes leading to, and solutions for, under-banked, un-banked, and underserved consumers, and for other purposes. H.R.3445 - To amend the Consumer Financial Protection Act of 2010 to make the Bureau of Consumer Financial Protection an independent agency led by a commission, and for other purposes. H.R.3704 - To reduce the health risks of heat by establishing the National Integrated Heat Health Information System within the National Oceanic and Atmospheric Administration and the National Integrated Heat Health Information System Interagency Committee to improve extreme heat preparedness, planning, and response, and for other purposes.

Client expense: $435,663 · Firm income: Not reported