Credit Access and Inclusion Act

H.J.Res. 671 - Expressing the sense of the House of Representatives concerning the need for a comprehensive public alert and warning system for the United States, and for other purposes. Emergency Alerts H.R. 1695 - Broadband Conduit Deployment Act of 2011 H.R. 2281 - The Next Generation Wireless Disclosure Act / Issues related to consumer disclosures H.R. 2903 - The FEMA Reauthorization Act H.R. 3010 - The FCC Consolidated Reporting Act H.R. 3481 - Stop Taxpayer Funded Cell Phones Act of 2011 H.R. 3523 - Cyber Intelligence Sharing and Protection Act H.R. 3563 - Integrated Public Alert Warning System Modernization Act of 2012 H.R. 4247 - Cell Phone Theft Prevention Act of 2012 H.R. 4263 / S. 2151 / S. 3342 - SECURE IT H.R. 4817 - Efficient Use of Government Spectrum Act of 2012 H.R. 6363 The Credit Access and Inclusion Act S. 1223 - The Location Privacy Protection Act S. 2105 - Cybersecurity Act of 2012 S. 2319 - Integrated Public Alert and Warning System Modernization Act of 2012 S.3186 -- Mobile Device Theft Deterrence Act of 2012 S. 3291 - Fair Telephone Billing Act of 2012 S. 3414 - The Cybersecurity Act of 2012 (revised Lieberman-Collins cyber legislation - was previously S. 2105) S. 3524 - National Defense Authorization Act, amendments related to spectrum policy and IPAWS modernization Issues related to the implementation of the spectrum provisions of PL 112-96 (Middle Class Tax Relief & Job Creation Act) Issues related to lost and stolen wireless devices Issues related to oversight of the Federal Communications Commission Issues related to the deployment of FM radio chips in mobile devices Issues related to the delivery of emergency alerts over wireless networks Issues related to wireless usage alerts Issues related to the delivery of wireless emergency alerts and the deployment of FM chips in mobile phones Issues related to the deployment of E911/NG911 capabilities, including text to 911 solutions. Issues related to spectrum policy, including issues related to the reallocation of the 1780-1850 MHz band for commercial use Issues related to potential amendments of the Telephone Consumer Protection Act Issues related to the resiliency of wireless communications networks

Client expense: $3,400,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Data Breach / ID Theft / Spyware; Internet Spyware; Social Security Number Protection; Non-prime/Anti-Predatory Lending; Social Security Verification; Employee Free choice; Student Loans; College Student Debt Relief; Unfair Practices in Credit Cards Credit Card holders Bill of Rights; Fairness in Nursing Home Arbitration Act; Fair Mortgage Practices; Borrower protection; Optional Federal Charter; Financial Literacy; H.R. 557, Consumer Financial Protection Oversight Act of 2011; H.R. 653, Financial Information Privacy Act; H.R. 1618, Produce the Note Act of 2011; H.R. 3075, Mobil Information Call Act of 2011; H.R. 2086, Medical Debt Responsibility Act; H.R. 6363, Credit Access and Inclusion Act; H.R. 300, Young Adult Financial Literacy Act, and H.R. 626, Financial Literacy for Youth Act Line 17 Continued: Consumer Financial Protection Bureau (CFPB)

Client expense: $1,560,000 · Firm income: Not reported

1) Support efforts to protect consumer housing, mortgage renegotiation and foreclosure protections. Restructure Mortgages in Bankruptcy and add foreclosure protections: Provided comments to hill, signed letters, lobbied on all aspects of legislation and proposed regulations pertaining to reform. Significant provisions added as Title 14 of Wall Street Reform and Consumer Protection Act. Support strongest versions of HR 2086/S 2049, Medical Debt Relief Act. Oppose HR 6363 to weaken FCRA.

Client expense: $21,446 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Consumer Product Safety Commission (CPSC), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Election Commission (FEC), Federal Reserve System, Federal Trade Commission (FTC), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Justice, Dept of (DOJ), Natl Credit Union Administration (NCUA), Natl Economic Council (NEC), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), State, Dept of (DOS), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Trade Representative (USTR), White House Office

1) Support efforts to protect consumer housing, mortgage renegotiation and foreclosure protections. Restructure Mortgages in Bankruptcy and add foreclosure protections: Provided comments to hill, signed letters, lobbied on all aspects of legislation and proposed regulations pertaining to reform. Significant provisions added as Title 14 of Wall Street Reform and Consumer Protection Act. Support strongest versions of HR 2086/S 2049, Medical Debt Relief Act. Oppose HR 6363 to weaken FCRA.

Client expense: $292,521 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Consumer Product Safety Commission (CPSC), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Election Commission (FEC), Federal Reserve System, Federal Trade Commission (FTC), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Justice, Dept of (DOJ), Natl Credit Union Administration (NCUA), Natl Economic Council (NEC), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), State, Dept of (DOS), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Trade Representative (USTR), White House Office

S.881, Consumer Rental-Purchase Agreement Act of 2011 S.3468, Independent Agency Regulatory Analysis Act of 2012 S.1573, Financial Services and General Government Appropriations Act, 2012 S.3204, A bill to address fee disclosure requirements under the Electronic Fund Transfer Act, and for other purposes S.3394, A bill to address fee disclosure requirements under the Electronic Fund Transfer Act, to amend the Federal Deposit Insurance Act with respect to information provided to the Bureau of Consumer Financial Protection, and for other purposes H.R.4367, To amend the Electronic Fund Transfer Act to limit the fee disclosure requirement for an automatic teller machine to the screen of that machine H.R.2086, Medical Debt Responsibility Act of 2011 H.R. 6139, Consumer Credit Access, Innovation, and Modernization Act H.R.6363, Credit Access and Inclusion Act Issues related to free credit scores, fair lending, and the implementation of the Dodd-Frank Wall Street Reform (P.L. 111-203) Issues related to "Too Big to Fail" and the implementation of the Glass-Steagall Act Issues related to medical debt relief and usury caps Issues related to the issuance of the Consumer Financial Protection Bureau's overdraft, mortgage form, and privacy rules Issues related to financial privacy Issues related to student loan relief and costs of for-profit colleges Issues related to gift cards, ATM fees, and mobile payment systems Issues related to the direct deposit of social security

Client expense: $50,000 · Firm income: Not reported

Consumer Financial Protection Bureau issues: Larger participant rule, Consumer complaint system, Mortgage rule; Credit scores and free annual credit reports to Consumers. EEOC Credit Guidance. Fair Credit Reporting Act Issues: Credit scores, Alternative data information. Cybersecurity issues. Real Estate Settlement Procedures Act and the Truth-in-Lending Act; ability to repay standards; mortgage originator standards; appraisals; and mortgage servicing. H.R. 6050 - FCRA restrictions on tax lien information contained in consumer credit reports. H.R.2086 - Medical debt reporting H.R. 6363 - Reporting of utility information to consumer reporting agencies (alternative data.)

Client expense: $150,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), SENATE, Social Security Administration (SSA), Treasury, Dept of

Implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act (Pub.L. 111-203), specifically, Title IX, Section 941, Regulation of Credit Risk Retention; H.R. 6363, Credit Access and Inclusion Act, relating to alternative data; Issues related to credit scoring, including free scores and small business scores

Client expense: $80,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act (Pub.L. 111-203), specifically, Title IX, Section 941, Regulation of Credit Risk Retention; H.R. 6363, Credit Access and Inclusion Act, relating to alternative data; Issues related to credit scoring, including free scores and small business scores

Client expense: $80,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Support this legislation which would remove impediments to full-file credit reporting to the nationwide consumer reporting agencies by utility service providers such as energy, water, telecommunications, etc. (HR 6363)

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

Government targets: HOUSE OF REPRESENTATIVES