CFPB Pay Fairness Act of 2015

H.R. 601- Consumer Financial Products H.R. 888- Dodd-Frank amendment H.R. 1233- Regulatory Relief H.R. 1262- Consumer Financial Products H.R. 1264- Consumer Financial Products H.R. 1266- Financial Product Safety Commission H.R. 1550- Financial Stability Oversight Council (FSOC) H.R. 1965- Securities and Exchange Commission (SEC) H.R. 2029- Appropriations H.R. 2099- Consumer Financial Products H.R. 3340- FSOC H.R. 3189- Federal Reserve H.R. 3557- FSOC H.R. 3738- Data Security H.R. 3857- FSOC H.R. 4538- Senior Citizens; Finance H.R. 5983- Financial CHOICE Act of 2016 S. 2038- Finance Reform S. 2216- Senior Citizens; Finance

Client expense: Not reported · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), Consumer Financial Protection Bureau (CFPB), Executive Office of the President (EOP), Federal Aviation Administration (FAA), Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), Federal Highway Administration (FHA), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Interior, Dept of (DOI), Internal Revenue Service (IRS), Natl Geospatial Intelligence Agency, Natl Highway Traffic Safety Administration (NHTSA), Natl Transportation Safety Board (NTSB), Office of Management & Budget (OMB), SENATE, Securities & Exchange Commission (SEC), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Trade Representative (USTR), White House Office

CFPB (The Bureau of Consumer Financial Protection is an arm of Federal Reserve System) all its regulations, activities and practices including payday lending, forced arbitration, credit reporting, debt collection, consumer complaint handling, enforcement, consumer education; Legislation; H.R. 650, the Preserving Access to Manufactured Housing Act; HR 2896, Taking Account of Institutions with Low Operation Risk Act of 2015; H.R. 766, the Financial Institution Customer Protection Act of 2015; All legislation concerning budget views or appropriations, including concerning riders on independent funding, structure and authority of CFPB (Financial Services and General Government Appropriations (HR5485/S2663); riders on transportation safety and airline fee disclosure. All legislation concerning amendments to Dodd-Frank Wall Street Reform and Consumer Protection Act, including authority of agencies to enforce laws to protect consumers, taxpayers. Department of Education rules on student loan borrowers; H.R.4781 - FDIC Accountability Act of 2016; HR 1265, Bureau Advisory Commission Transparency Act; HR 1263, Consumer Financial Protection Safety and Soundness Improvement Act of 2015; HR 1262, Consumer Right to Financial Privacy Act of 2015; HR 1264, CFPB Pay Fairness Act of 2015; HR 1261, Bureau of Consumer Financial Protection Accountability Act of 2015; HR 1413/S477, Firearms Manufacturers and Dealers Protection Act of 2015 (FDIC Operation Choke Point); H.R. 766 and S2790, the Financial Institution Customer Protection Act of 2015. HR 5510, to weaken FTC; HR 4768 Separation of Powers Restoration Act; other riders and amendments to weaken independent agency authority to enact regulations. HR4172 Full file credit reporting; HR5282 Fair Credit Reporting Act amendments. Department of Education Gainful Employment rule. including HR4768, the Separation of Powers Restoration Act; HR4612 and sections of HR4361 concerning the Midnight Rules Relief Act; S2355, the Credit Access and Inclusion Act; HR5424, the Investment Advisors Modernization Act; HR5226, the Regulatory Integrity Act; HR3468, The Review Act; HR5063, the Stop Settlement Funds Act and any similar riders proposed to Appropriations Bills such as HR5485/SB3067, Financial Services and General Government Appropriations Acts for 2017. File comments to CFPB on Docket 2016-0020 on forced arbitration; file comment to CFPB on announcement of Debt Collection rulemaking SBREFA process; meet with CFPB on consumer complaint database, payday lending and other matters. File comment to financial and bank regulators on status of completion of rulemaking on Dodd-Frank Section 956, Executive Compensation.

H.R. 601- Consumer Financial Products H.R. 888- Dodd-Frank amendment H.R. 1233- Regulatory Relief H.R. 1262- Consumer Financial Products H.R. 1264- Consumer Financial Products H.R. 1266- Financial Product Safety Commission H.R. 1550- Financial Stability Oversight Council (FSOC) H.R. 1965- Securities and Exchange Commission (SEC) H.R. 2029- Appropriations H.R. 2099- Consumer Financial Products H.R. 3340- FSOC H.R. 3189- Federal Reserve H.R. 3557- FSOC H.R. 3738- Data Security H.R. 3857- FSOC H.R. 4538- Senior Citizens; Finance H.R. 5983- Financial CHOICE Act of 2016 S. 2038- Finance Reform S. 2216- Senior Citizens; Finance

Client expense: $1,010,000 · Firm income: Not reported

CFPB (arm of Federal Reserve System) all regulations and practices including payday lending, arbitration, credit reporting, debt collection, consumer complaint handling, enforcement, consumer education; Legislation; H.R. 650, the Preserving Access to Manufactured Housing Act; HR 2896, Taking Account of Institutions with Low Operation Risk Act of 2015; H.R. 766, the Financial Institution Customer Protection Act of 2015; All legislation regarding budget views and appropriations for the CFPB; riders on transportation safety and fee disclosure. All legislation concerning amendments to Dodd-Frank Wall Street Reform and Consumer Protection Act, including authority of agencies to enforce laws to protect consumers, taxpayers. Department of Education rules on student loan borrowers; H.R.4781 - FDIC Accountability Act of 2016; HR 1265, Bureau Advisory Commission Transparency Act; HR 1263, Consumer Financial Protection Safety and Soundness Improvement Act of 2015; HR 1262, Consumer Right to Financial Privacy Act of 2015; HR 1264, CFPB Pay Fairness Act of 2015; HR 1261, Bureau of Consumer Financial Protection Accountability Act of 2015; HR 1413/S477, Firearms Manufacturers and Dealers Protection Act of 2015 (FDIC Operation Choke Point); H.R. 766, the Financial Institution Customer Protection Act of 2015

Client expense: $30,000 · Firm income: Not reported

CFPB (arm of Federal Reserve System) all regulations and practices including payday lending, arbitration, credit reporting, debt collection, consumer complaint handling, enforcement, consumer education; H.R. 650, the Preserving Access to Manufactured Housing Act; HR 2896, Taking Account of Institutions with Low Operation Risk Act of 2015; H.R. 766, the Financial Institution Customer Protection Act of 2015; All legislation regarding budget views and appropriations for the CFPB; appropriation amendments on transportation safety and fee disclosure; All legislation concerning amendments to Dodd-Frank Wall Street Reform and Consumer Protection Act, including authority of agencies to enforce laws to protect consumers, taxpayers; Department of Education rules on student loan borrowers; H.R.4781 - FDIC Accountability Act of 2016; HR 1265, Bureau Advisory Commission Transparency Act; HR 1263, Consumer Financial Protection Safety and Soundness Improvement Act of 2015; HR 1262, Consumer Right to Financial Privacy Act of 2015; HR 1264, CFPB Pay Fairness Act of 2015; HR 1261, Bureau of Consumer Financial Protection Accountability Act of 2015; HR 1413/S477, Firearms Manufacturers and Dealers Protection Act of 2015 (FDIC Operation Choke Point); H.R. 766, the Financial Institution Customer Protection Act of 2015

Client expense: $20,000 · Firm income: Not reported

Legislative advocacy in support of reform of the Consumer Financial Protection Bureau HR 1261, Bureau of Consumer Financial Protection Accountability Act of 2015 HR 1262, Consumer Right to Financial Privacy Act of 2015 HR 1263, Consumer Financial Protection Safety and Soundness Improvement Act of 2015 HR 1264, CFPB Pay Fairness Act of 2015 HR 1195, Bureau of Consumer Financial Protection Advisory Boards Act HR 957, S 510; CFPB-IG Act of 2015 HR 766, Financial Institution Customer Protection Act of 2015 HR 1266, Financial Product Safety Commission Act of 2015 S 96, A bill to amend the Consumer Financial Protection Act of 2010 S 1383, Consumer Financial Protection Bureau Accountability Act of 2015 HR 1737, Reforming CFPB Indirect Auto Financing Guidance Act of 2015

Client expense: Not reported · Firm income: $20,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Legislative advocacy in support of reform of the Consumer Financial Protection Bureau HR 1261, Bureau of Consumer Financial Protection Accountability Act of 2015 HR 1262, Consumer Right to Financial Privacy Act of 2015 HR 1263, Consumer Financial Protection Safety and Soundness Improvement Act of 2015 HR 1264, CFPB Pay Fairness Act of 2015 HR 1195, Bureau of Consumer Financial Protection Advisory Boards Act HR 957, S 510; CFPB-IG Act of 2015 HR 766, Financial Institution Customer Protection Act of 2015 HR 1266, Financial Product Safety Commission Act of 2015 S 96, A bill to amend the Consumer Financial Protection Act of 2010 S 1383, Consumer Financial Protection Bureau Accountability Act of 2015 HR 1737, Reforming CFPB Indirect Auto Financing Guidance Act of 2015

Client expense: Not reported · Firm income: $20,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 601- Consumer Financial Products H.R. 888- Dodd-Frank amendment H.R. 1233- Regulatory Relief H.R. 1262- Consumer Financial Products H.R. 1264- Consumer Financial Products H.R. 1266- Financial Product Safety Commission H.R. 1550- Financial Stability Oversight Council (FSOC) H.R. 1965- Securities and Exchange Commission (SEC) H.R. 2029- Appropriations H.R. 2099- Consumer Financial Products H.R. 3340- FSOC H.R. 3189- Federal Reserve H.R. 3557- FSOC H.R. 3738- Data Security H.R. 3857- FSOC No#- Financial CHOICE Act of 2016 S. 2038- Finance Reform

Client expense: $1,420,000 · Firm income: Not reported

CFPB (arm of Federal Reserve System) all regulations and practices including payday lending, arbitration, credit reporting, debt collection, consumer complaint handling, enforcement, consumer education; Legislation; H.R. 650, the Preserving Access to Manufactured Housing Act; HR 2896, Taking Account of Institutions with Low Operation Risk Act of 2015; H.R. 766, the Financial Institution Customer Protection Act of 2015; All legislation regarding budget views and appropriations for the CFPB; riders on transportation safety and fee disclosure. All legislation concerning amendments to Dodd-Frank Wall Street Reform and Consumer Protection Act, including authority of agencies to enforce laws to protect consumers, taxpayers. Department of Education rules on student loan borrowers; H.R.4781 - FDIC Accountability Act of 2016; HR 1265, Bureau Advisory Commission Transparency Act; HR 1263, Consumer Financial Protection Safety and Soundness Improvement Act of 2015; HR 1262, Consumer Right to Financial Privacy Act of 2015; HR 1264, CFPB Pay Fairness Act of 2015; HR 1261, Bureau of Consumer Financial Protection Accountability Act of 2015; HR 1413/S477, Firearms Manufacturers and Dealers Protection Act of 2015 (FDIC Operation Choke Point); H.R. 766, the Financial Institution Customer Protection Act of 2015

Client expense: $14,580 · Firm income: Not reported

H.R. 601- Consumer Financial Products H.R. 888- Dodd-Frank amendment H.R. 1233- Regulatory Relief H.R. 1262- Consumer Financial Products H.R. 1264- Consumer Financial Products H.R. 1266- Financial Product Safety Commission H.R. 1550- Financial Stability Oversight Council (FSOC) H.R. 1965- Securities and Exchange Commission (SEC) H.R. 2029- Appropriations H.R. 2099- Consumer Financial Products H.R. 3340- FSOC H.R. 3189- Federal Reserve H.R. 3557- FSOC H.R. 3738- Data Security H.R. 3857- FSOC S. 2038- Finance Reform

Client expense: $960,000 · Firm income: Not reported

Legislative advocacy in support of reform of the Consumer Financial Protection Bureau HR 1261, Bureau of Consumer Financial Protection Accountability Act of 2015 HR 1262, Consumer Right to Financial Privacy Act of 2015 HR 1263, Consumer Financial Protection Safety and Soundness Improvement Act of 2015 HR 1264, CFPB Pay Fairness Act of 2015 HR 1195, Bureau of Consumer Financial Protection Advisory Boards Act HR 957, S 510; CFPB-IG Act of 2015 HR 766, Financial Institution Customer Protection Act of 2015 HR 1266, Financial Product Safety Commission Act of 2015 S 96, A bill to amend the Consumer Financial Protection Act of 2010 S 1383, Consumer Financial Protection Bureau Accountability Act of 2015 HR 1737, Reforming CFPB Indirect Auto Financing Guidance Act of 2015

Client expense: Not reported · Firm income: $20,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Legislative advocacy in support of reform of the Consumer Financial Protection Bureau HR 1261, Bureau of Consumer Financial Protection Accountability Act of 2015 HR 1262, Consumer Right to Financial Privacy Act of 2015 HR 1263, Consumer Financial Protection Safety and Soundness Improvement Act of 2015 HR 1264, CFPB Pay Fairness Act of 2015 HR 1195, Bureau of Consumer Financial Protection Advisory Boards Act HR 957, S 510; CFPB-IG Act of 2015 HR 766, Financial Institution Customer Protection Act of 2015 HR 1266, Financial Product Safety Commission Act of 2015 S 96, A bill to amend the Consumer Financial Protection Act of 2010 S 1383, Consumer Financial Protection Bureau Accountability Act of 2015 HR 1737, Reforming CFPB Indirect Auto Financing Guidance Act of 2015

Client expense: Not reported · Firm income: $20,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

(1) Urge CFPB to enact strong prepaid card rules, strengthen complaint database, regulate forced arbitration, regulate payday and other high-cost loans and take other steps to protect consumers. (2) Support independent funding, authority and structure of CFPB. Oppose all bills to weaken CFPB including HR 1262, Consumer Right to Financial Privacy Act of 2015; HR 1263, Consumer Financial Protection Safety and Soundness Improvement Act; HR 1264, CFPB Pay Fairness Act of 2015; HR 1265, the Bureau Advisory Commission Transparency Act; HR 1266, Financial Product Safety Commission Act of 2015; and any similar bills or budget or Appropriations riders to weaken the CFPB. (3) Oppose all bills to weaken Wall Street reform including HR 414, the Burdensome Data Collection Relief Act; and any similar bills or budgetary line items or appropriations riders designed tow eaken, consumer, investor or taxpayer protections. (4) Support legislation to rein in payday lending and similar predatory loan practices. Oppose any bills to provide special status or create non-bank federal charters for payday or similar lenders. Urge CFPB, and other regulators to prevent banks from offering similar predatory payday advance products. (5) Support legislation to hold credit bureaus accountable including proposals to provide free credit scores. (6) Work to protect consumer privacy notices from repeal. (6) Oppose efforts to add layers of unnecessary cost-benefit analysis or other so-called accountability constraints onto any federal financial agency or independent agency, including HR 185, the Regulatory Accountability Act; H.R. 527, the Small Business Regulatory Flexibility Improvements Act; H.R. 50, the Unfunded Mandates Information and Transparency Act;the REINS Act, HR 427, which harms consumer health, safety and pocketbooks and any similar bills or budget riders, including bills and riders to impose additional (often redundant) OMB cost-benefit rules on independent agencies including the CFPB and others. (7) Support full funding and authority for all other financial regulators, including CFTC and SEC. (8) Urge CFPB and other regulators to enact strongest possible rules to protect homeowners and consumers from financial, foreclosure, mortgage servicing and other weakenings. (9) Oppose efforts in Congress to weaken any other consumer laws (10) Support efforts to eliminate forced arbitration in consumer and investor contracts, such as support for Arbitration Fairness Act and the Investor Choice Act. (11) Support efforts to make large, interconnected financial institutions more accountable to taxpayers, depositors and investors, including support for Volcker rule, other too-big-to-fail and capital reforms, such as the 21st Century Glass-Steagall Act. (12) Oppose efforts (testimony/letters/lobbying) to impose uniform federal data breach notice legislation or any privacy bill of rights or other purportered cybersecurity legislation that would preempt state data security, privacy, or consumer protection rights and authorities. (13) Support efforts by Department of Labor to enact strong fidicuary standard for retirement advisors and, similarly, by SEC for other investment advisors. (14) Support efforts by Dept of Education and CFPB to protect students from prepaid card, loan disbursement and other campus card fees and other account fees derived from unfair financial relationships between colleges and banks or other financial firms. (15) Urged FDIC in group letter to express concern about Sallie Mae Bank's CRA performance. (16) Urged House in group lette to reject 2016 Labor-HHS Appropriations bill which includes rider restricting DoLabor completion of retirement savings rule and in separate letter urged House to oppose HR 1090 (Wagner) to eliminate DoLabor authority to issue the retirement rule. (17) Urged House to oppose FSGG Approps. bill for numerous unfair riders, specifically to eliminate CFPB independent funding. (18) In group letters, urge president to nominate commissioners/governors of SEC and FRB that reflect consumer/community values, eg, not Wall Street revolving door. (19) Supported in letters, Do Not Track Kids Act (Markey, S 1563). (20) Urged Education Dept. to take strong action to protect Corinthian and other for-profit college students facing high student loans and no hope of jobs. (20) Opposed S. 1484 (Shelby) sweeping financial reform rollback proposal and expressed general support for alternate proposals. (21) In comments to CFPB, urge strong CFPB rules on arbitration, mortgage complaint handling, payday lending, and student banking as well as improved complaint narratives. (22) Support (meetings/letters) Duckworth amendment to HR 1735, National Defense Authorization Act to strike language eliminating servicemember financial protections. (23) Urge House, in letters and meetings, not to weaken Department of Justice anti-criminal project know as Operation Choke Point, including HR 1413/S142 and any amendments to appropriations and other bills. (24) Urge CMS/HHS to protect elders from unfair forced arbitration clauses in long-term care facility contracts. (25) Urge Congress to support "Equal Employment for All Act" to restrict use of credit reports for employment purposes. (26) urge House to oppose H.R. 3035, Credit Access and Inclusion Act, which undercuts Fair Credit Reporting Act protections. (27) Urge Federal Housing Finance Agency to enforce FCRA protections in mortgage payment and other disputes. (28) Urge HUD to retain longstanding form language that explicitly limits a lenders right to foreclose. (29) Oppose H.R. 1737, the Reforming CFPB Indirect Auto Financing Guidance Act" to weaken CFPB authority to protect car buyers. (30) Urge House to oppose HR 1266, to eliminate the CFPB's single director structure and replace it with a 5-member commission. (31) Urge Congress to oppose H.R. 3192, which insulates lenders from accountability when they make misleading disclosures to homeowners. (32) Support strong Departnment of Education amendments to the Cash Management Rule. (33) Urge HUD to maintain strong certification rules to obtain Federal Housing Administration insurance on a mortgage loan. (34) Urge Department of Labor to enact a strong "consumer first" fiduciary rule re retirement spending. (35) Join 22 October 2015 group letters urging the President and Vice President to require new executive branch officials from Wall Street/financial sector to " forego compensation offered by their former employers in exchange for their decisions to enter into public service." (36) Join 18 Nov 2016 group letter from Americans for Financial Reform to President and Treasury Secretary urging that "nominees to open seats as Commissioners at the Commodity Futures Trading Commission (CFTC) have the publicly demonstrated commitment to financial reform and expertise. (37) Join 4 November Americans for Financial Reform letter to Congress opposing Hensarling (TX) amendment to Highway Trust Fund bill. Amendment unrelated to underlying bill, contains a variety of amendments exempting various business from full SEC supervision and authority. (38) Join 26 Oct 2015 letter led by National Consumer Law Center urging Chair Yellen (FRB), Director Cordray (CFPB) and Comptroller Curry (OCC) to fully investigate RushCard prepaid card debacle, hold firm accountable and make customers whole. (39) Join 19 October group letter led by Americans for Financial Reform urging financial regulators (Chairs Yellen (FRB), Gruenberg (FDIC) and White (SEC), Comptroller Curry (OCC) and Secretary Lew (Treasury) to fully implement Section 956(b) of the Dodd-Frank Act prohibiting large financial institutions from using execeutive compensation schemes that promote risky practices. (40) Join 5 October 2015 group letter to all members of Congress urging opposition to HR 3192, the so-called Homebuyers Assistance Act, but which would "undermine compliance with the new CFPB mortgage disclosure rules by letting lenders off the hook even where homeowners have been harmed." (41) Upon invitation of House Small Business Committee, testify at 21 October 2015 hearing on the "EMV Transition" by banks and merchants to "CHIP" enabled credit cards to reduce fraud. Testimony reiterated longstanding positions against any data breach/privacy legislation that would preempt stronger state consumer laws.

(1) Urge CFPB to enact strong prepaid card rules, strengthen complaint database, regulate forced arbitration, regulate payday and other high-cost loans and take other steps to protect consumers. (2) Support independent funding, authority and structure of CFPB. Oppose all bills to weaken CFPB including HR 1262, Consumer Right to Financial Privacy Act of 2015; HR 1263, Consumer Financial Protection Safety and Soundness Improvement Act; HR 1264, CFPB Pay Fairness Act of 2015; HR 1265, the Bureau Advisory Commission Transparency Act; HR 1266, Financial Product Safety Commission Act of 2015; and any similar bills or budget or Appropriations riders to weaken the CFPB. (3) Oppose all bills to weaken Wall Street reform including HR 414, the Burdensome Data Collection Relief Act; and any similar bills or budgetary line items or appropriations riders designed tow eaken, consumer, investor or taxpayer protections. (4) Support legislation to rein in payday lending and similar predatory loan practices. Oppose any bills to provide special status or create non-bank federal charters for payday or similar lenders. Urge CFPB, and other regulators to prevent banks from offering similar predatory payday advance products. (5) Support legislation to hold credit bureaus accountable including proposals to provide free credit scores. (6) Work to protect consumer privacy notices from repeal. (6) Oppose efforts to add layers of unnecessary cost-benefit analysis or other so-called accountability constraints onto any federal financial agency or independent agency, including HR 185, the Regulatory Accountability Act; H.R. 527, the Small Business Regulatory Flexibility Improvements Act; H.R. 50, the Unfunded Mandates Information and Transparency Act;the REINS Act, HR 427, which harms consumer health, safety and pocketbooks and any similar bills or budget riders, including bills and riders to impose additional (often redundant) OMB cost-benefit rules on independent agencies including the CFPB and others. (7) Support full funding and authority for all other financial regulators, including CFTC and SEC. (8) Urge CFPB and other regulators to enact strongest possible rules to protect homeowners and consumers from financial, foreclosure, mortgage servicing and other weakenings. (9) Oppose efforts in Congress to weaken any other consumer laws (10) Support efforts to eliminate forced arbitration in consumer and investor contracts, such as support for Arbitration Fairness Act and the Investor Choice Act. (11) Support efforts to make large, interconnected financial institutions more accountable to taxpayers, depositors and investors, including support for Volcker rule, other too-big-to-fail and capital reforms, such as the 21st Century Glass-Steagall Act. (12) Oppose efforts (testimony/letters/lobbying) to impose uniform federal data breach notice legislation or any privacy bill of rights or other purportered cybersecurity legislation that would preempt state data security, privacy, or consumer protection rights and authorities. (13) Support efforts by Department of Labor to enact strong fidicuary standard for retirement advisors and, similarly, by SEC for other investment advisors. (14) Support efforts by Dept of Education and CFPB to protect students from prepaid card, loan disbursement and other campus card fees and other account fees derived from unfair financial relationships between colleges and banks or other financial firms. (15) Urged FDIC in group letter to express concern about Sallie Mae Bank's CRA performance. (16) Urged House in group lette to reject 2016 Labor-HHS Appropriations bill which includes rider restricting DoLabor completion of retirement savings rule and in separate letter urged House to oppose HR 1090 (Wagner) to eliminate DoLabor authority to issue the retirement rule. (17) Urged House to oppose FSGG Approps. bill for numerous unfair riders, specifically to eliminate CFPB independent funding. (18) In group letters, urge president to nominate commissioners/governors of SEC and FRB that reflect consumer/community values, eg, not Wall Street revolving door. (19) Supported in letters, Do Not Track Kids Act (Markey, S 1563). (20) Urged Education Dept. to take strong action to protect Corinthian and other for-profit college students facing high student loans and no hope of jobs. (20) Opposed S. 1484 (Shelby) sweeping financial reform rollback proposal and expressed general support for alternate proposals. (21) In comments to CFPB, urge strong CFPB rules on arbitration, mortgage complaint handling, payday lending, and student banking as well as improved complaint narratives. (22) Support (meetings/letters) Duckworth amendment to HR 1735, National Defense Authorization Act to strike language eliminating servicemember financial protections. (23) Urge House, in letters and meetings, not to weaken Department of Justice anti-criminal project know as Operation Choke Point, including HR 1413/S142 and any amendments to appropriations and other bills. (24) Urge CMS/HHS to protect elders from unfair forced arbitration clauses in long-term care facility contracts. (25) Urge Congress to support "Equal Employment for All Act" to restrict use of credit reports for employment purposes. (26) urge House to oppose H.R. 3035, Credit Access and Inclusion Act, which undercuts Fair Credit Reporting Act protections. (27) Urge Federal Housing Finance Agency to enforce FCRA protections in mortgage payment and other disputes. (28) Urge HUD to retain longstanding form language that explicitly limits a lenders right to foreclose. (29) Oppose H.R. 1737, the Reforming CFPB Indirect Auto Financing Guidance Act" to weaken CFPB authority to protect car buyers. (30) Urge House to oppose HR 1266, to eliminate the CFPB's single director structure and replace it with a 5-member commission. (31) Urge Congress to oppose H.R. 3192, which insulates lenders from accountability when they make misleading disclosures to homeowners. (32) Support strong Departnment of Education amendments to the Cash Management Rule. (33) Urge HUD to maintain strong certification rules to obtain Federal Housing Administration insurance on a mortgage loan. (34) Urge Department of Labor to enact a strong "consumer first" fiduciary rule re retirement spending

(1) Urge CFPB to enact strong prepaid card rules, strengthen complaint database, regulate forced arbitration, regulate payday and other high-cost loans and take other steps to protect consumers. (2) Support independent funding, authority and structure of CFPB. Oppose all bills to weaken CFPB including HR 1262, Consumer Right to Financial Privacy Act of 2015; HR 1263, Consumer Financial Protection Safety and Soundness Improvement Act; HR 1264, CFPB Pay Fairness Act of 2015; HR 1265, the Bureau Advisory Commission Transparency Act; HR 1266, Financial Product Safety Commission Act of 2015; and any similar bills or budget or Appropriations riders to weaken the CFPB. (3) Oppose all bills to weaken Wall Street reform including HR 414, the Burdensome Data Collection Relief Act; and any similar bills or budgetary line items or appropriations riders designed tow eaken, consumer, investor or taxpayer protections. (4) Support legislation to rein in payday lending and similar predatory loan practices. Oppose any bills to provide special status or create non-bank federal charters for payday or similar lenders. Urge CFPB, and other regulators to prevent banks from offering similar predatory payday advance products. (5) Support legislation to hold credit bureaus accountable including proposals to provide free credit scores. (6) Work to protect consumer privacy notices from repeal. (6) Oppose efforts to add layers of unnecessary cost-benefit analysis or other so-called accountability constraints onto any federal financial agency or independent agency, including HR 185, the Regulatory Accountability Act; H.R. 527, the Small Business Regulatory Flexibility Improvements Act; H.R. 50, the Unfunded Mandates Information and Transparency Act;the REINS Act, HR 427, which harms consumer health, safety and pocketbooks and any similar bills or budget riders, including bills and riders to impose additional (often redundant) OMB cost-benefit rules on independent agencies including the CFPB and others. (7) Support full funding and authority for all other financial regulators, including CFTC and SEC. (8) Urge CFPB and other regulators to enact strongest possible rules to protect homeowners and consumers from financial, foreclosure, mortgage servicing and other weakenings. (9) Oppose efforts in Congress to weaken any other consumer laws (10) Support efforts to eliminate forced arbitration in consumer and investor contracts, such as support for Arbitration Fairness Act and the Investor Choice Act. (11) Support efforts to make large, interconnected financial institutions more accountable to taxpayers, depositors and investors, including support for Volcker rule, other too-big-to-fail and capital reforms, such as the 21st Century Glass-Steagall Act. (12) Oppose efforts (testimony/letters/lobbying) to impose uniform federal data breach notice legislation or any privacy bill of rights or other purportered cybersecurity legislation that would preempt state data security, privacy, or consumer protection rights and authorities. (13) Support efforts by Department of Labor to enact strong fidicuary standard for retirement advisors and, similarly, by SEC for other investment advisors. (14) Support efforts by Dept of Education and CFPB to protect students from prepaid card, loan disbursement and other campus card fees and other account fees derived from unfair financial relationships between colleges and banks or other financial firms. (15) Urged FDIC in group letter to express concern about Sallie Mae Bank's CRA performance. (16) Urged House in group lette to reject 2016 Labor-HHS Appropriations bill which includes rider restricting DoLabor completion of retirement savings rule and in separate letter urged House to oppose HR 1090 (Wagner) to eliminate DoLabor authority to issue the retirement rule. (17) Urged House to oppose FSGG Approps. bill for numerous unfair riders, specifically to eliminate CFPB independent funding. (18) In group letters, urge president to nominate commissioners/governors of SEC and FRB that reflect consumer/community values, eg, not Wall Street revolving door. (19) Supported in letters, Do Not Track Kids Act (Markey, S 1563). (20) Urged Education Dept. to take strong action to protect Corinthian and other for-profit college students facing high student loans and no hope of jobs. (20) Opposed S. 1484 (Shelby) sweeping financial reform rollback proposal and expressed general support for alternate proposals. (21) In comments to CFPB, urge strong CFPB rules on arbitration, mortgage complaint handling, payday lending, and student banking as well as improved complaint narratives. (22) Support (meetings/letters) Duckworth amendment to HR 1735, National Defense Authorization Act to strike language eliminating servicemember financial protections. (23) Urge House, in letters and meetings, not to weaken Department of Justice anti-criminal project know as Operation Choke Point, including HR 1413/S142 and any amendments to appropriations and other bills. (24) Urge CMS/HHS to protect elders from unfair forced arbitration clauses in long-term care facility contracts. (25) Urge Congress to support "Equal Employment for All Act" to restrict use of credit reports for employment purposes. (26) urge House to oppose H.R. 3035, Credit Access and Inclusion Act, which undercuts Fair Credit Reporting Act protections. (27) Urge Federal Housing Finance Agency to enforce FCRA protections in mortgage payment and other disputes. (28) Urge HUD to retain longstanding form language that explicitly limits a lenders right to foreclose. (29) Oppose H.R. 1737, the Reforming CFPB Indirect Auto Financing Guidance Act" to weaken CFPB authority to protect car buyers. (30) Urge House to oppose HR 1266, to eliminate the CFPB's single director structure and replace it with a 5-member commission. (31) Urge Congress to oppose H.R. 3192, which insulates lenders from accountability when they make misleading disclosures to homeowners. (32) Support strong Departnment of Education amendments to the Cash Management Rule. (33) Urge HUD to maintain strong certification rules to obtain Federal Housing Administration insurance on a mortgage loan. (34) Urge Department of Labor to enact a strong "consumer first" fiduciary rule re retirement spending. (35) Join 22 October 2015 group letters urging the President and Vice President to require new executive branch officials from Wall Street/financial sector to " forego compensation offered by their former employers in exchange for their decisions to enter into public service." (36) Join 18 Nov 2016 group letter from Americans for Financial Reform to President and Treasury Secretary urging that "nominees to open seats as Commissioners at the Commodity Futures Trading Commission (CFTC) have the publicly demonstrated commitment to financial reform and expertise. (37) Join 4 November Americans for Financial Reform letter to Congress opposing Hensarling (TX) amendment to Highway Trust Fund bill. Amendment unrelated to underlying bill, contains a variety of amendments exempting various business from full SEC supervision and authority. (38) Join 26 Oct 2015 letter led by National Consumer Law Center urging Chair Yellen (FRB), Director Cordray (CFPB) and Comptroller Curry (OCC) to fully investigate RushCard prepaid card debacle, hold firm accountable and make customers whole. (39) Join 19 October group letter led by Americans for Financial Reform urging financial regulators (Chairs Yellen (FRB), Gruenberg (FDIC) and White (SEC), Comptroller Curry (OCC) and Secretary Lew (Treasury) to fully implement Section 956(b) of the Dodd-Frank Act prohibiting large financial institutions from using execeutive compensation schemes that promote risky practices. (40) Join 5 October 2015 group letter to all members of Congress urging opposition to HR 3192, the so-called Homebuyers Assistance Act, but which would "undermine compliance with the new CFPB mortgage disclosure rules by letting lenders off the hook even where homeowners have been harmed." (41) Upon invitation of House Small Business Committee, testify at 21 October 2015 hearing on the "EMV Transition" by banks and merchants to "CHIP" enabled credit cards to reduce fraud. Testimony reiterated longstanding positions against any data breach/privacy legislation that would preempt stronger state consumer laws.

H.R. 601- Consumer Financial Products H.R. 1233- Regulatory Relief H.R. 1262- Consumer Financial Products H.R. 1264- Consumer Financial Products H.R. 1266- Financial Product Safety Commission H.R. 1550- Financial Stability Oversight Council (FSOC) H.R. 1965- Securities and Exchange Commission (SEC) H.R. 2099- Consumer Financial Products H.R. 3340- FSOC H.R. 3189- Federal Reserve H.R. 3557- FSOC H.R. 3738- Data Security H.R. 3857- FSOC S. 2038- Finance Reform

Client expense: $1,030,000 · Firm income: Not reported

Legislative advocacy in support of reform of the Consumer Financial Protection Bureau HR 1261, Bureau of Consumer Financial Protection Accountability Act of 2015 HR 1262, Consumer Right to Financial Privacy Act of 2015 HR 1263, Consumer Financial Protection Safety and Soundness Improvement Act of 2015 HR 1264, CFPB Pay Fairness Act of 2015 HR 1195, Bureau of Consumer Financial Protection Advisory Boards Act HR 957, S 510; CFPB-IG Act of 2015 HR 766, Financial Institution Customer Protection Act of 2015 HR 1266, Financial Product Safety Commission Act of 2015 S 96, A bill to amend the Consumer Financial Protection Act of 2010 S 1383, Consumer Financial Protection Bureau Accountability Act of 2015 HR 1737, Reforming CFPB Indirect Auto Financing Guidance Act of 2015

Client expense: Not reported · Firm income: $20,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Legislative advocacy in support of reform of the Consumer Financial Protection Bureau HR 1261, Bureau of Consumer Financial Protection Accountability Act of 2015 HR 1262, Consumer Right to Financial Privacy Act of 2015 HR 1263, Consumer Financial Protection Safety and Soundness Improvement Act of 2015 HR 1264, CFPB Pay Fairness Act of 2015 HR 1195, Bureau of Consumer Financial Protection Advisory Boards Act HR 957, S 510; CFPB-IG Act of 2015 HR 766, Financial Institution Customer Protection Act of 2015 HR 1266, Financial Product Safety Commission Act of 2015 S 96, A bill to amend the Consumer Financial Protection Act of 2010 S 1383, Consumer Financial Protection Bureau Accountability Act of 2015 HR 1737, Reforming CFPB Indirect Auto Financing Guidance Act of 2015

Client expense: Not reported · Firm income: $20,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

(1) Urge CFPB to enact strong prepaid card rules, strengthen complaint database, regulate forced arbitration, regulate payday and other high-cost loans and take other steps to protect consumers. (2) Support independent funding, authority and structure of CFPB. Oppose all bills to weaken CFPB including HR 1262, Consumer Right to Financial Privacy Act of 2015; HR 1263, Consumer Financial Protection Safety and Soundness Improvement Act; HR 1264, CFPB Pay Fairness Act of 2015; HR 1265, the Bureau Advisory Commission Transparency Act; HR 1266, Financial Product Safety Commission Act of 2015; and any similar bills or budget or Appropriations riders to weaken the CFPB. (3) Oppose all bills to weaken Wall Street reform including HR 414, the Burdensome Data Collection Relief Act; and any similar bills or budgetary line items or appropriations riders designed tow eaken, consumer, investor or taxpayer protections. (4) Support legislation to rein in payday lending and similar predatory loan practices. Oppose any bills to provide special status or create non-bank federal charters for payday or similar lenders. Urge CFPB, and other regulators to prevent banks from offering similar predatory payday advance products. (5) Support legislation to hold credit bureaus accountable including proposals to provide free credit scores. (6) Work to protect consumer privacy notices from repeal. (6) Oppose efforts to add layers of unnecessary cost-benefit analysis or other so-called accountability constraints onto any federal financial agency or independent agency, including HR 185, the Regulatory Accountability Act; H.R. 527, the Small Business Regulatory Flexibility Improvements Act; H.R. 50, the Unfunded Mandates Information and Transparency Act;the REINS Act, HR 427, which harms consumer health, safety and pocketbooks and any similar bills or budget riders, including bills and riders to impose additional (often redundant) OMB cost-benefit rules on independent agencies including the CFPB and others. (7) Support full funding and authority for all other financial regulators, including CFTC and SEC. (8) Urge CFPB and other regulators to enact strongest possible rules to protect homeowners and consumers from financial, foreclosure, mortgage servicing and other weakenings. (9) Oppose efforts in Congress to weaken any other consumer laws (10) Support efforts to eliminate forced arbitration in consumer and investor contracts, such as support for Arbitration Fairness Act and the Investor Choice Act. (11) Support efforts to make large, interconnected financial institutions more accountable to taxpayers, depositors and investors, including support for Volcker rule, other too-big-to-fail and capital reforms, such as the 21st Century Glass-Steagall Act. (12) Oppose efforts (testimony/letters/lobbying) to impose uniform federal data breach notice legislation or any privacy bill of rights or other purportered cybersecurity legislation that would preempt state data security, privacy, or consumer protection rights and authorities. (13) Support efforts by Department of Labor to enact strong fidicuary standard for retirement advisors and, similarly, by SEC for other investment advisors. (14) Support efforts by Dept of Education and CFPB to protect students from prepaid card, loan disbursement and other campus card fees and other account fees derived from unfair financial relationships between colleges and banks or other financial firms. (15) Urged FDIC in group letter to express concern about Sallie Mae Bank's CRA performance. (16) Urged House in group lette to reject 2016 Labor-HHS Appropriations bill which includes rider restricting DoLabor completion of retirement savings rule and in separate letter urged House to oppose HR 1090 (Wagner) to eliminate DoLabor authority to issue the retirement rule. (17) Urged House to oppose FSGG Approps. bill for numerous unfair riders, specifically to eliminate CFPB independent funding. (18) In group letters, urge president to nominate commissioners/governors of SEC and FRB that reflect consumer/community values, eg, not Wall Street revolving door. (19) Supported in letters, Do Not Track Kids Act (Markey, S 1563). (20) Urged Education Dept. to take strong action to protect Corinthian and other for-profit college students facing high student loans and no hope of jobs. (20) Opposed S. 1484 (Shelby) sweeping financial reform rollback proposal and expressed general support for alternate proposals. (21) In comments to CFPB, urge strong CFPB rules on arbitration, mortgage complaint handling, payday lending, and student banking as well as improved complaint narratives. (22) Support (meetings/letters) Duckworth amendment to HR 1735, National Defense Authorization Act to strike language eliminating servicemember financial protections. (23) Urge House, in letters and meetings, not to weaken Department of Justice anti-criminal project know as Operation Choke Point, including HR 1413/S142 and any amendments to appropriations and other bills. (24) Urge CMS/HHS to protect elders from unfair forced arbitration clauses in long-term care facility contracts. (25) Urge Congress to support "Equal Employment for All Act" to restrict use of credit reports for employment purposes. (26) urge House to oppose H.R. 3035, Credit Access and Inclusion Act, which undercuts Fair Credit Reporting Act protections. (27) Urge Federal Housing Finance Agency to enforce FCRA protections in mortgage payment and other disputes. (28) Urge HUD to retain longstanding form language that explicitly limits a lenders right to foreclose. (29) Oppose H.R. 1737, the Reforming CFPB Indirect Auto Financing Guidance Act" to weaken CFPB authority to protect car buyers. (30) Urge House to oppose HR 1266, to eliminate the CFPB's single director structure and replace it with a 5-member commission. (31) Urge Congress to oppose H.R. 3192, which insulates lenders from accountability when they make misleading disclosures to homeowners. (32) Support strong Departnment of Education amendments to the Cash Management Rule. (33) Urge HUD to maintain strong certification rules to obtain Federal Housing Administration insurance on a mortgage loan. (34) Urge Department of Labor to enact a strong "consumer first" fiduciary rule re retirement spending

H.R. 601- Consumer Financial Products H.R. 1233- Regulatory Relief H.R. 1262- Consumer Financial Products H.R. 1264- Consumer Financial Products H.R. 1266- Financial Product Safety Commission H.R. 1550- Financial Stability Oversight Council (FSOC) H.R. 1965- Securities and Exchange Commission (SEC) H.R. 2099- Consumer Financial Products H.R. 3189- Federal Reserve H.R. 3557- FSOC S. 2038- Finance Reform

Client expense: $1,050,000 · Firm income: Not reported

Legislative advocacy in support of reform of the Consumer Financial Protection Bureau HR 1261, Bureau of Consumer Financial Protection Accountability Act of 2015 HR 1262, Consumer Right to Financial Privacy Act of 2015 HR 1263, Consumer Financial Protection Safety and Soundness Improvement Act of 2015 HR 1264, CFPB Pay Fairness Act of 2015 HR 1195, Bureau of Consumer Financial Protection Advisory Boards Act HR 957, S 510; CFPB-IG Act of 2015 HR 766, Financial Institution Customer Protection Act of 2015 HR 1266, Financial Product Safety Commission Act of 2015 S 96, A bill to amend the Consumer Financial Protection Act of 2010 S 1383, Consumer Financial Protection Bureau Accountability Act of 2015

Client expense: Not reported · Firm income: $20,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Legislative advocacy in support of reform of the Consumer Financial Protection Bureau HR 1261, Bureau of Consumer Financial Protection Accountability Act of 2015 HR 1262, Consumer Right to Financial Privacy Act of 2015 HR 1263, Consumer Financial Protection Safety and Soundness Improvement Act of 2015 HR 1264, CFPB Pay Fairness Act of 2015 HR 1195, Bureau of Consumer Financial Protection Advisory Boards Act HR 957, S 510; CFPB-IG Act of 2015 HR 766, Financial Institution Customer Protection Act of 2015 HR 1266, Financial Product Safety Commission Act of 2015 S 96, A bill to amend the Consumer Financial Protection Act of 2010 S 1383, Consumer Financial Protection Bureau Accountability Act of 2015

Client expense: Not reported · Firm income: $20,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

(1) Urge CFPB to enact strong prepaid card rules, strengthen complaint database, regulate forced arbitration, regulate payday and other high-cost loans and take other steps to protect consumers. (2) Support independent funding, authority and structure of CFPB. Oppose all bills to weaken CFPB including HR 1262, Consumer Right to Financial Privacy Act of 2015; HR 1263, Consumer Financial Protection Safety and Soundness Improvement Act; HR 1264, CFPB Pay Fairness Act of 2015; HR 1265, the Bureau Advisory Commission Transparency Act; HR 1266, Financial Product Safety Commission Act of 2015; and any similar bills or budget or Appropriations riders to weaken the CFPB. (3) Oppose all bills to weaken Wall Street reform including HR 414, the Burdensome Data Collection Relief Act; and any similar bills or budgetary line items or appropriations riders designed tow eaken, consumer, investor or taxpayer protections. (4) Support legislation to rein in payday lending and similar predatory loan practices. Oppose any bills to provide special status or create non-bank federal charters for payday or similar lenders. Urge CFPB, and other regulators to prevent banks from offering similar predatory payday advance products. (5) Support legislation to hold credit bureaus accountable including proposals to provide free credit scores. (6) Work to protect consumer privacy notices from repeal. (6) Oppose efforts to add layers of unnecessary cost-benefit analysis or other so-called accountability constraints onto any federal financial agency or independent agency, including HR 185, the Regulatory Accountability Act; H.R. 527, the Small Business Regulatory Flexibility Improvements Act; H.R. 50, the Unfunded Mandates Information and Transparency Act; the REINS ACT and any similar bills, including bills to impose additional (often redundant) OMB cost-benefit rules on independent agencies including the CFPB and others. (7) Support full funding and authority for all other financial regulators, including CFTC and SEC. (8) Urge CFPB and other regulators to enact strongest possible rules to protect homeowners and consumers from financial, foreclosure, mortgage servicing and other weakenings. (9) Oppose efforts in Congress to weaken any other consumer laws (10) Support efforts to eliminate forced arbitration in consumer and investor contracts, such as support for Arbitration Fairness Act and the Investor Choice Act. (11) Support efforts to make large, interconnected financial institutions more accountable to taxpayers, depositors and investors, including support for Volcker rule, other too-big-to-fail and capital reforms, such as the 21st Century Glass-Steagall Act. (12) Oppose efforts (testimony/letters/lobbying) to impose uniform federal data breach notice legislation or any privacy bill of rights or other purportered cybersecurity legislation that would preempt state data security, privacy, or consumer protection rights and authorities. (13) Support efforts by Department of Labor to enact strong fidicuary standard for retirement advisors and, similarly, by SEC for other investment advisors. (14) Support efforts by Dept of Education and CFPB to protect students from prepaid card, loan disbursement and other campus card fees and other account fees derived from unfair financial relationships between colleges and banks or other financial firms. (15) Urged FDIC in group letter to express concern about Sallie Mae Bank's CRA performance. (16) Urged House in group lette to reject 2016 Labor-HHS Appropriations bill which includes rider restricting DoLabor completion of retirement savings rule and in separate letter urged House to oppose HR 1090 (Wagner) to eliminate DoLabor authority to issue the retirement rule. (17) Urged House to oppose FSGG Approps. bill for numerous unfair riders, specifically to eliminate CFPB independent funding. (18) In group letters, urge president to nominate commissioners/governors of SEC and FRB that reflect consumer/community values, eg, not Wall Street revolving door. (19) Supported in letters, Do Not Track Kids Act (Markey, S 1563). (20) Urged Education Dept. to take strong action to protect Corinthian and other for-profit college students facing high student loans and no hope of jobs. (20) Opposed S. 1484 (Shelby) sweeping financial reform rollback proposal and expressed general support for alternate proposals. (21) In comments to CFPB, urge strong CFPB rules on arbitration, mortgage complaint handling, payday lending, and student banking. (22) Support (meetings/letters) Duckworth amendment to HR 1735, National Defense Authorization Act to strike language eliminating servicemember financial protections. (23) Urge House, in letters and meetings, not to weaken Department of Justice anti-criminal project know as Operation Choke Point, including HR 1413/S142 and any amendments to appropriations and other bills.

H.R. 601- Consumer Financial Products, H.R. 1233- Regulatory Relief, H.R. 1262- Consumer Financial Products, H.R. 1264- Consumer Financial Products, H.R. 1266- Financial Product Safety Commission, H.R. 1550- Financial Stability Oversight Council (FSOC), H.R. 1965- Securities and Exchange Commission (SEC), H.R. 2099- Consumer Financial Products, "The Federal Reserve and Reform Act of 2015" (not numbered), S. 512- Data Breach

Client expense: $1,200,000 · Firm income: Not reported

(1) Urge CFPB to enact strong prepaid card rules, strengthen complaint database, regulate forced arbitration, regulate payday and other high-cost loans and take other steps to protect consumers. (2) Support independent funding, authority and structure of CFPB. Oppose all bills to weaken CFPB including HR 1262, Consumer Right to Financial Privacy Act of 2015; HR 1263, Consumer Financial Protection Safety and Soundness Improvement Act; HR 1264, CFPB Pay Fairness Act of 2015; HR 1265, the Bureau Advisory Commission Transparency Act; HR 1266, Financial Product Safety Commission Act of 2015; and any similar bills or budget or Appropriations riders to weaken the CFPB. (3) Oppose all bills to weaken Wall Street reform including HR 414, the Burdensome Data Collection Relief Act; and any similar bills or budgetary line items or appropriations riders designed to weaken, consumer, investor or taxpayer protections. (4) Support legislation to rein in payday lending and similar predatory loan practices. Oppose any bills to provide special status or create non-bank federal charters for payday or similar lenders. Urge CFPB, and other regulators to prevent banks from offering similar predatory payday advance products. (5) Support legislation to hold credit bureaus accountable including proposals to provide free credit scores. (6) Work to protect consumer privacy notices from repeal. (6) Oppose efforts to add layers of unnecessary cost-benefit analysis or other so-called accountability constraints onto any federal financial agency or independent agency, including HR 185, the Regulatory Accountability Act; H.R. 527, the Small Business Regulatory Flexibility Improvements Act; H.R. 50, the Unfunded Mandates Information and Transparency Act; the REINS ACT and any similar bills, including bills to impose additional (often redundant) OMB cost-benefit rules on independent agencies including the CFPB and others. (7) Support full funding and authority for all other financial regulators, including CFTC and SEC. (8) Urge CFPB and other regulators to enact strongest possible rules to protect homeowners and consumers from financial, foreclosure, mortgage servicing and other weakenings. (9) Oppose efforts in Congress to weaken any other consumer laws (10) Support efforts to eliminate forced arbitration in consumer and investor contracts, such as support for Arbitration Fairness Act and the Investor Choice Act. (11) Support efforts to make large, interconnected financial institutions more accountable to taxpayers, depositors and investors, including support for Volcker rule, other too-big-to-fail and capital reforms, such as the 21st Century Glass-Steagall Act. (12) Oppose efforts to impose uniform federal data breach notice legislation or any privacy bill of rights or other purported cyber-security legislation that would preempt state data security, privacy, or consumer protection rights and authorities. (13) Support efforts by Department of Labor to enact strong fiduciary standard for retirement advisers and, similarly, by SEC for other investment advisers. (14) Support efforts by Dept of Education and CFPB to protect students from prepaid card, loan disbursement and other campus card fees and other account fees derived from unfair financial relationships between colleges and banks or other financial firms.