Loading…
Credit Access and Inclusion Act of 2015
Legislative Progress
Momentum (last 30 days)
0
score
0 actions · 0 new cosponsors · 0 votes
Speed vs cohort
0pct
0d open
vs 6,526 other HR bills in the 114th — cohort avg 56d
Credit Access and Inclusion Act of 2015 This bill amends the Fair Credit Reporting Act to authorize a person or the Department of Housing and Urban Development (HUD) to furnish to a consumer reporting agency information relating to the performance of a consumer in making payments: (1) under a lease agreement for a dwelling, including a lease in which HUD provides subsidized payments; or (2) pursuant to a contract for a utility or telecommunications service. Information about a consumer's usage of any utility or telecommunications services may be furnished to a consumer reporting agency only to the extent that such information relates to payment by the consumer for such services or other terms of the provision of such services, including any deposit, discount, or conditions for interruption or termination of service. An energy utility firm may not report payment information to a consumer reporting agency with respect to an outstanding balance of a consumer as late if the firm and the consumer have entered into a payment plan and the consumer is meeting the obligations of such plan.
These links require the bill number to appear in the filing's source-reported specific issue text. Client expenses and lobbying-firm income are separate disclosure fields.
Filing registrants (8)
Referred to the House Committee on Financial Services.
Introduced in House
Congress.gov source codes: 1000, Intro-H
Bills with similar content found using semantic analysis.
Sources: Congress.gov
2018 · first_quarter · Banking
Bills in the Senate: S. 708 Regulatory Improvement Act S. 774 Financial Institutions Examination Fairness and Reform Act S. 1484 Financial Regulatory Improvement Act of 2015 S. 1491 Community Lender Regulatory Relief and Consumer Protection Act of 2015 S. 1607 the Independent Agency Regulatory Analysis Act of 2015 S. 1647 Developing a Reliable and Innovative Vision for the Economy Act S. 1773 Consumer Reporting Fairness Act of 2015 S. 1818 Principled Rulemaking Act S. 1820 Early Participation in Regulations Act S. 1817 Smarter Regulations Through Advance Planning and Review Act S. 1958 Christopher Bryski Student Loan Protection Act S. 2038 Jumpstart GSE reform Act S. 2050 Private Education Loan Refinancing Act S. 2387 Commerce, Justice, Science, and Related Agencies Appropriations Act, FY2017 Senate Appropriations on Financial Services and General Government appropriations bill FY2017 S. 2663 Reforming CFPB Indirect Auto Financing Guidance Act S.J. Res. 19 - A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act. (CRA) S. 552: Justice for Victims of Fraud Act S. 537: Arbitration Fairness Act S. 550: Restoring Statutory Rights and Interests of the States Act S. 553: Court Legal Access and Student Support (CLASS) Act S. 647: Mandatory Arbitration Transparency Act S. 646: Justice for Servicemembers Act S.951 - Regulatory Accountability Act of 2017 S. 1642, Protecting Consumers Access to Credit Act of 2017 S.J.Res.47 - A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Arbitration Agreements" S. 1659, the Protecting Consumers from Unreasonable Credit Rates Act S.2155, Economic Growth, Regulatory Relief, and Consumer Protection Act S.J.Res. 56 - A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Payday, Vehicle, Title, and Certain High-Cost Installment Loans (Payday CRA) S.J.Res. 57 - A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Indirect Auto Lending and Compliance with the Equal Credit Opportunity Act (Auto CRA) Bills in the House: H.R. 4 Jobs for America Act H.R. 37 Promoting Job Creation and Reducing Small Business Burdens Act H.R. 50 Unfunded Mandates Information and Transparency Act of 2015 H.R. 113 Federal Reserve Accountability and Transparency Act of 2015 H.R. 185 The Regulatory Accountability Act H.R. 347 Facilitating Access to Credit Act H.R. 367 Regulations from the Executive in Need of Scrutiny (REINS) Act H.R. 427 Regulations from the Executive in Need of Scrutiny Act of 2015 H.R. 527 Small Business Regulatory Flexibility Improvements Act of 2015 H.R. 650 Preserving Access to Manufactured Housing Act of 2015 H.R. 685 Mortgage Choice Act of 2015 H.R. 766 Financial Institution Customer Protection Act of 2015 H.R. 899 Unfunded Mandates Information and Transparency Act H.R. 957 CFPB IG act of 2015 H.R. 1090 Retail Investor Protection Act H.R. 1195 Bureau of Consumer Financial Protection Advisory Boards Act H.R. 1210 Portfolio Lending and Mortgage Access Act H.R. 1259 Helping Expand Lending Practices in Rural Communities Act H.R. 1261 Bureau of Consumer Financial Protection Accountability Act of 2015 H.R. 1264, Community Financial Institution Exemption Act H.R. 1265 Bureau Advisory Commission Transparency Act H.R. 1266 Financial Product Safety Commission Act of 2015 H.R. 1413 Firearms Manufacturers and Dealers Protection Act of 2015 H.R. 1493 Sunshine for Regulatory Decrees and Settlements Act H.R. 1529 the Community Institution Mortgage Relief Act H.R. 1553 Small Bank Exam Cycle Reform Act of 2015 H.R. 1660 Federal Saving Association Charter Flexibility Act of 2015 H.R. 1737 Reforming CFPB Indirect Auto Financing Guidance Act H.R. 1799 Ensure Fair Prices in Title Insurance Act H.R. 1941 Financial Institutions Examination Fairness and Reform Act H.R. 2213 To provide for a temporary safe harbor from the enforcement of integrated disclosure requirements for mortgage loan transactions under the Real Estate Settlement Procedures Act of 1974 and the Truth in Lending Act, and for other purposes. H.R. 2029 and related amendments Consolidated Appropriations Act of 2016 H.R. 2243 Equity in Government Compensation Act of 201 H.R. 2354 Streamlining Excessive and Costly Regulations Review Act H.R. 4294 -SAVERS Act of 2015 H.R. 2542 Regulatory Flexibility Improvements Act H.R. 2683, the Protecting Veterans Credit Act of 2017 H.R. 2577 Transportation, Housing and Urban Development, and Related Agencies Appropriations Act, 2016 H.R. 2804 Achieving Less Excess in Regulation and Requiring Transparency (ALERRT) Act (H.R. 2804). H.R. 3035 Credit Access and Inclusion Act H.R. 3189 FORM Act of 2015 H.R. 3192 Homebuyers Assistance Act H.R. 3438 REVIEW Act H.R. 3634 Student Loan Debt Protection Act H.R. 4018 Consumer Protection and Choice Act H.R. 4293 Affordable Retirement Advice Protection Act H.R. 4439 Modernizing Credit Opportunities Act H.R. 4550, the Practice of Law Technical Clarification Act H.R. 4648, the Home Mortgage Reporting Relief Act of 2017 H.R. 4725, the Community Bank Reporting Relief Act H.R. 4768 The Separation of Powers Restoration Act, 2016 H.R. 4986 End Operation Choke Point Act of 2014 H.R. 5143 The International Insurance Standards Act H.R. 5485 The "Financial Services and General Government Appropriations Act, 2017 H.R. 5982 Midnight Rules Relief Act of 2016 Fiscal Year 2016 spending bills for the Department of Justice (CJS) and the Department of Housing and Urban Development (THUD) Fiscal Year 2017 Commerce, Justice, Science Funding Bill H.R. 21 -Midnight Rules Relief Act of 2017 H.R. 26 -Executive Need of Scrutiny Act of 2017 (REINS Act) H.R. 5 -Regulatory Accountability Act of 2017 (RAA) H.J. Res. 73 - Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act. (CRA) H.R. 1424: Justice for Victims of Fraud Act H.R. 1374: Arbitration Fairness Act H.R. 1396: Restoring Statutory Rights and Interests of the States Act H.R. 985: The Fairness in Class Action Litigation Act of 2017 H.R. 585: Investor Choice Act of 2017 H.R. 864, (Rep. Love), the Stop Debt Collection Abuse Act of 2017 H.R. 924, (Rep. Rothfus), the Financial Institutions Due Process Act of 2017 H.R. 1457, (Rep. Tipton), the Making Online Banking Initiation Legal and Easy Act of 2017 H.R. 2133, (Rep. Luetkemeyer), the Community Lending Enhancement and Regulatory Relief Act of 2017 (CLEARR act) H.R. 2148, (Rep. Pittenger), the Clarifying Commercial Real Estate Loans H.R. 2226, (Rep. Barr), the Portfolio Lending and Mortgage Access Act H.R. 2396, (Rep. Trott), the Privacy Notification Technical Correction Act H.R. 3221, (Rep. Kustoff), the Access to Affordable Mortgages Act of 2017 H.R. ____, (Rep. Hollingsworth), the Ensuring Quality Unbiased Access to Loans Act of 2017 H.R. ____, (Rep. Tenney), to simplify the process for national banks to obtain deposit insurance, and for other purposes. House Appropriations Financial Services and General Government Financial Services Bill H.R. 1116, Taking Account of Institutions with Low Operation Risk (TAILOR) Act of 2017 H.R. 1699, Preserving Access to Manufactured Housing Act of 2017 H.R. 2954, Home Mortgage Disclosure Adjustment Act H.R. 3299, Protecting Consumers Access to Credit Act of 2017 H.R. 3791, Community Institution Mortgage Relief Act of 2017 H.J.Res.111, Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Arbitration Agreements" H.R. 3760, the Protecting Consumers from Unreasonable Credit Rates Act H.R. 1153, the Mortgage Choice Act H.R. 3978, the TRID Improvement Act H.J.Res. 122 Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to "Payday, Vehicle Title, and Certain High-Cost Installment Loans". Under Discussion: A bill to reform Government-Sponsored Enterprises (GSE Reform) A bill to provide consumer protections for overdraft fees A bill to provide consumer protections in auto lending Amendments and riders to appropriations bills House Bill re: Non-profit CDFI Depository Bank Expansion House Bill, Chairman Hensarling discussion draft, The Financial Choice Act House Bill, Rep. Pearce Seller Finance and Balloon Loans Senate and House - Updates to the Stopping Abuse and Fraud in Electronic (SAFE) Lending Act Senate and House -Updates to the Secure and Fair Enforcement for Mortgage Licensing Act (also SAFE act) Senate - Senator Durbins usury rate cap bill (unintroduced at this time)
Client expense: $70,000 · Firm income: Not reported
Government targets: Consumer Financial Protection Bureau (CFPB), Education, Dept of, Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Housing & Urban Development, Dept of (HUD), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), Natl Economic Council (NEC), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), Treasury, Dept of, White House Office
2017 · fourth_quarter · Banking
Bills in the Senate: S. 708 Regulatory Improvement Act S. 774 Financial Institutions Examination Fairness and Reform Act S. 1484 Financial Regulatory Improvement Act of 2015 S. 1491 Community Lender Regulatory Relief and Consumer Protection Act of 2015 S. 1607 the Independent Agency Regulatory Analysis Act of 2015 S. 1647 Developing a Reliable and Innovative Vision for the Economy Act S. 1773 Consumer Reporting Fairness Act of 2015 S. 1818 Principled Rulemaking Act S. 1820 Early Participation in Regulations Act S. 1817 Smarter Regulations Through Advance Planning and Review Act S. 1958 Christopher Bryski Student Loan Protection Act S. 2038 Jumpstart GSE reform Act S. 2050 Private Education Loan Refinancing Act S. 2387 Commerce, Justice, Science, and Related Agencies Appropriations Act, FY2017 Senate Appropriations on Financial Services and General Government appropriations bill FY2017 S. 2663 Reforming CFPB Indirect Auto Financing Guidance Act S.J. Res. 19 - A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act. (CRA) S. 552: Justice for Victims of Fraud Act S. 537: Arbitration Fairness Act S. 550: Restoring Statutory Rights and Interests of the States Act S. 553: Court Legal Access and Student Support (CLASS) Act S. 647: Mandatory Arbitration Transparency Act S. 646: Justice for Servicemembers Act S.951 - Regulatory Accountability Act of 2017 S. 1642, Protecting Consumers Access to Credit Act of 2017 S.J.Res.47 - A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Arbitration Agreements" S. 1659, the Protecting Consumers from Unreasonable Credit Rates Act S.2155, Economic Growth, Regulatory Relief, and Consumer Protection Act Bills in the House: H.R. 4 Jobs for America Act H.R. 37 Promoting Job Creation and Reducing Small Business Burdens Act H.R. 50 Unfunded Mandates Information and Transparency Act of 2015 H.R. 113 Federal Reserve Accountability and Transparency Act of 2015 H.R. 185 The Regulatory Accountability Act H.R. 347 Facilitating Access to Credit Act H.R. 367 Regulations from the Executive in Need of Scrutiny (REINS) Act H.R. 427 Regulations from the Executive in Need of Scrutiny Act of 2015 H.R. 527 Small Business Regulatory Flexibility Improvements Act of 2015 H.R. 650 Preserving Access to Manufactured Housing Act of 2015 H.R. 685 Mortgage Choice Act of 2015 H.R. 766 Financial Institution Customer Protection Act of 2015 H.R. 899 Unfunded Mandates Information and Transparency Act H.R. 957 CFPB IG act of 2015 H.R. 1090 Retail Investor Protection Act H.R. 1195 Bureau of Consumer Financial Protection Advisory Boards Act H.R. 1210 Portfolio Lending and Mortgage Access Act H.R. 1259 Helping Expand Lending Practices in Rural Communities Act H.R. 1261 Bureau of Consumer Financial Protection Accountability Act of 2015 H.R. 1264, Community Financial Institution Exemption Act H.R. 1265 Bureau Advisory Commission Transparency Act H.R. 1266 Financial Product Safety Commission Act of 2015 H.R. 1413 Firearms Manufacturers and Dealers Protection Act of 2015 H.R. 1493 Sunshine for Regulatory Decrees and Settlements Act H.R. 1529 the Community Institution Mortgage Relief Act H.R. 1553 Small Bank Exam Cycle Reform Act of 2015 H.R. 1660 Federal Saving Association Charter Flexibility Act of 2015 H.R. 1737 Reforming CFPB Indirect Auto Financing Guidance Act H.R. 1799 Ensure Fair Prices in Title Insurance Act H.R. 1941 Financial Institutions Examination Fairness and Reform Act H.R. 2213 To provide for a temporary safe harbor from the enforcement of integrated disclosure requirements for mortgage loan transactions under the Real Estate Settlement Procedures Act of 1974 and the Truth in Lending Act, and for other purposes. H.R. 2029 and related amendments Consolidated Appropriations Act of 2016 H.R. 2243 Equity in Government Compensation Act of 201 H.R. 2354 Streamlining Excessive and Costly Regulations Review Act H.R. 4294 -SAVERS Act of 2015 H.R. 2542 Regulatory Flexibility Improvements Act H.R. 2683, the Protecting Veterans Credit Act of 2017 H.R. 2577 Transportation, Housing and Urban Development, and Related Agencies Appropriations Act, 2016 H.R. 2804 Achieving Less Excess in Regulation and Requiring Transparency (ALERRT) Act (H.R. 2804). H.R. 3035 Credit Access and Inclusion Act H.R. 3189 FORM Act of 2015 H.R. 3192 Homebuyers Assistance Act H.R. 3438 REVIEW Act H.R. 3634 Student Loan Debt Protection Act H.R. 4018 Consumer Protection and Choice Act H.R. 4293 Affordable Retirement Advice Protection Act H.R. 4550, the Practice of Law Technical Clarification Act H.R. 4648, the Home Mortgage Reporting Relief Act of 2017 H.R. 4725, the Community Bank Reporting Relief Act H.R. 4768 The Separation of Powers Restoration Act, 2016 H.R. 4986 End Operation Choke Point Act of 2014 H.R. 5143 The International Insurance Standards Act H.R. 5485 The "Financial Services and General Government Appropriations Act, 2017 H.R. 5982 Midnight Rules Relief Act of 2016 Fiscal Year 2016 spending bills for the Department of Justice (CJS) and the Department of Housing and Urban Development (THUD) Fiscal Year 2017 Commerce, Justice, Science Funding Bill H.R. 21 -Midnight Rules Relief Act of 2017 H.R. 26 -Executive Need of Scrutiny Act of 2017 (REINS Act) H.R. 5 -Regulatory Accountability Act of 2017 (RAA) H.J. Res. 73 - Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act. (CRA) H.R. 1424: Justice for Victims of Fraud Act H.R. 1374: Arbitration Fairness Act H.R. 1396: Restoring Statutory Rights and Interests of the States Act H.R. 985: The Fairness in Class Action Litigation Act of 2017 H.R. 585: Investor Choice Act of 2017 H.R. 864, (Rep. Love), the Stop Debt Collection Abuse Act of 2017 H.R. 924, (Rep. Rothfus), the Financial Institutions Due Process Act of 2017 H.R. 1457, (Rep. Tipton), the Making Online Banking Initiation Legal and Easy Act of 2017 H.R. 2133, (Rep. Luetkemeyer), the Community Lending Enhancement and Regulatory Relief Act of 2017 (CLEARR act) H.R. 2148, (Rep. Pittenger), the Clarifying Commercial Real Estate Loans H.R. 2226, (Rep. Barr), the Portfolio Lending and Mortgage Access Act H.R. 2396, (Rep. Trott), the Privacy Notification Technical Correction Act H.R. 3221, (Rep. Kustoff), the Access to Affordable Mortgages Act of 2017 H.R. ____, (Rep. Hollingsworth), the Ensuring Quality Unbiased Access to Loans Act of 2017 H.R. ____, (Rep. Tenney), to simplify the process for national banks to obtain deposit insurance, and for other purposes. House Appropriations Financial Services and General Government Financial Services Bill H.R. 1116, Taking Account of Institutions with Low Operation Risk (TAILOR) Act of 2017 H.R. 1699, Preserving Access to Manufactured Housing Act of 2017 H.R. 2954, Home Mortgage Disclosure Adjustment Act H.R. 3299, Protecting Consumers Access to Credit Act of 2017 H.R. 3791, Community Institution Mortgage Relief Act of 2017 H.J.Res.111, Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Arbitration Agreements" H.R. 3760, the Protecting Consumers from Unreasonable Credit Rates Act H.R. 1153, the Mortgage Choice Act H.R. 3978, the TRID Improvement Act H.J.Res. 122 Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to "Payday, Vehicle Title, and Certain High-Cost Installment Loans". Under Discussion: A bill to reform Government-Sponsored Enterprises (GSE Reform) A bill to provide consumer protections for overdraft fees A bill to provide consumer protections in auto lending Amendments and riders to appropriations bills House Bill re: Non-profit CDFI Depository Bank Expansion House Bill, Chairman Hensarling discussion draft, The Financial Choice Act House Bill, Rep. Pearce Seller Finance and Balloon Loans Senate and House - Updates to the Stopping Abuse and Fraud in Electronic (SAFE) Lending Act Senate and House -Updates to the Secure and Fair Enforcement for Mortgage Licensing Act (also SAFE act) Senate - Senator Durbins usury rate cap bill (unintroduced at this time)
Client expense: $70,000 · Firm income: Not reported
Government targets: Consumer Financial Protection Bureau (CFPB), Education, Dept of, Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Housing & Urban Development, Dept of (HUD), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), Natl Economic Council (NEC), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), Treasury, Dept of, White House Office
2017 · third_quarter · Banking
Bills in the Senate: S. 708 Regulatory Improvement Act S. 774 Financial Institutions Examination Fairness and Reform Act S. 1484 Financial Regulatory Improvement Act of 2015 S. 1491 Community Lender Regulatory Relief and Consumer Protection Act of 2015 S. 1607 the Independent Agency Regulatory Analysis Act of 2015 S. 1647 Developing a Reliable and Innovative Vision for the Economy Act S. 1773 Consumer Reporting Fairness Act of 2015 S. 1818 Principled Rulemaking Act S. 1820 Early Participation in Regulations Act S. 1817 Smarter Regulations Through Advance Planning and Review Act S. 1958 Christopher Bryski Student Loan Protection Act S. 2038 Jumpstart GSE reform Act S. 2050 Private Education Loan Refinancing Act S. 2387 Commerce, Justice, Science, and Related Agencies Appropriations Act, FY2017 Senate Appropriations on Financial Services and General Government appropriations bill FY2017 S. 2663 Reforming CFPB Indirect Auto Financing Guidance Act S.J. Res. 19 - A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act. (CRA) S. 552: Justice for Victims of Fraud Act S. 537: Arbitration Fairness Act S. 550: Restoring Statutory Rights and Interests of the States Act S. 553: Court Legal Access and Student Support (CLASS) Act S. 647: Mandatory Arbitration Transparency Act S. 646: Justice for Servicemembers Act S.951 - Regulatory Accountability Act of 2017 S. 1642, Protecting Consumers Access to Credit Act of 2017 S.J.Res.47 - A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Arbitration Agreements" S. 1659, the Protecting Consumers from Unreasonable Credit Rates Act Bills in the House: H.R. 4 Jobs for America Act H.R. 37 Promoting Job Creation and Reducing Small Business Burdens Act H.R. 50 Unfunded Mandates Information and Transparency Act of 2015 H.R. 113 Federal Reserve Accountability and Transparency Act of 2015 H.R. 185 The Regulatory Accountability Act H.R. 347 Facilitating Access to Credit Act H.R. 367 Regulations from the Executive in Need of Scrutiny (REINS) Act H.R. 427 Regulations from the Executive in Need of Scrutiny Act of 2015 H.R. 527 Small Business Regulatory Flexibility Improvements Act of 2015 H.R. 650 Preserving Access to Manufactured Housing Act of 2015 H.R. 685 Mortgage Choice Act of 2015 H.R. 766 Financial Institution Customer Protection Act of 2015 H.R. 899 Unfunded Mandates Information and Transparency Act H.R. 957 CFPB IG act of 2015 H.R. 1090 Retail Investor Protection Act H.R. 1195 Bureau of Consumer Financial Protection Advisory Boards Act H.R. 1210 Portfolio Lending and Mortgage Access Act H.R. 1259 Helping Expand Lending Practices in Rural Communities Act H.R. 1261 Bureau of Consumer Financial Protection Accountability Act of 2015 H.R. 1265 Bureau Advisory Commission Transparency Act H.R. 1266 Financial Product Safety Commission Act of 2015 H.R. 1413 Firearms Manufacturers and Dealers Protection Act of 2015 H.R. 1493 Sunshine for Regulatory Decrees and Settlements Act H.R. 1529 the Community Institution Mortgage Relief Act H.R. 1553 Small Bank Exam Cycle Reform Act of 2015 H.R. 1660 Federal Saving Association Charter Flexibility Act of 2015 H.R. 1737 Reforming CFPB Indirect Auto Financing Guidance Act H.R. 1799 Ensure Fair Prices in Title Insurance Act H.R. 1941 Financial Institutions Examination Fairness and Reform Act H.R. 2213 To provide for a temporary safe harbor from the enforcement of integrated disclosure requirements for mortgage loan transactions under the Real Estate Settlement Procedures Act of 1974 and the Truth in Lending Act, and for other purposes. H.R. 2029 and related amendments Consolidated Appropriations Act of 2016 H.R. 2243 Equity in Government Compensation Act of 201 H.R. 2354 Streamlining Excessive and Costly Regulations Review Act H.R. 4294 -SAVERS Act of 2015 H.R. 2542 Regulatory Flexibility Improvements Act H.R. 2577 Transportation, Housing and Urban Development, and Related Agencies Appropriations Act, 2016 H.R. 2804 Achieving Less Excess in Regulation and Requiring Transparency (ALERRT) Act (H.R. 2804). H.R. 3035 Credit Access and Inclusion Act H.R. 3189 FORM Act of 2015 H.R. 3192 Homebuyers Assistance Act H.R. 3438 REVIEW Act H.R. 3634 Student Loan Debt Protection Act H.R. 4018 Consumer Protection and Choice Act H.R. 4293 Affordable Retirement Advice Protection Act H.R. 4768 The Separation of Powers Restoration Act, 2016 H.R. 4986 End Operation Choke Point Act of 2014 H.R. 5143 The International Insurance Standards Act H.R. 5485 The "Financial Services and General Government Appropriations Act, 2017 H.R. 5982 Midnight Rules Relief Act of 2016 Fiscal Year 2016 spending bills for the Department of Justice (CJS) and the Department of Housing and Urban Development (THUD) Fiscal Year 2017 Commerce, Justice, Science Funding Bill H.R. 21 -Midnight Rules Relief Act of 2017 H.R. 26 -Executive Need of Scrutiny Act of 2017 (REINS Act) H.R. 5 -Regulatory Accountability Act of 2017 (RAA) H.J. Res. 73 - Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act. (CRA) H.R. 1424: Justice for Victims of Fraud Act H.R. 1374: Arbitration Fairness Act H.R. 1396: Restoring Statutory Rights and Interests of the States Act H.R. 985: The Fairness in Class Action Litigation Act of 2017 H.R. 585: Investor Choice Act of 2017 H.R. 864, (Rep. Love), the Stop Debt Collection Abuse Act of 2017 H.R. 924, (Rep. Rothfus), the Financial Institutions Due Process Act of 2017 H.R. 1457, (Rep. Tipton), the Making Online Banking Initiation Legal and Easy Act of 2017 H.R. 2133, (Rep. Luetkemeyer), the Community Lending Enhancement and Regulatory Relief Act of 2017 (CLEARR act) H.R. 2148, (Rep. Pittenger), the Clarifying Commercial Real Estate Loans H.R. 2396, (Rep. Trott), the Privacy Notification Technical Correction Act H.R. 3221, (Rep. Kustoff), the Access to Affordable Mortgages Act of 2017 H.R. ____, (Rep. Hollingsworth), the Ensuring Quality Unbiased Access to Loans Act of 2017 H.R. ____, (Rep. Tenney), to simplify the process for national banks to obtain deposit insurance, and for other purposes. House Appropriations Financial Services and General Government Financial Services Bill H.R. 1116, Taking Account of Institutions with Low Operation Risk (TAILOR) Act of 2017 H.R. 1699, Preserving Access to Manufactured Housing Act of 2017 H.R. 2954, Home Mortgage Disclosure Adjustment Act H.R. 3299, Protecting Consumers Access to Credit Act of 2017 H.R. 3791, Community Institution Mortgage Relief Act of 2017 H.J.Res.111, Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Arbitration Agreements" H.R. 3760, the Protecting Consumers from Unreasonable Credit Rates Act Under Discussion: A bill to provide consumer protections for overdraft fees A bill to provide consumer protections in auto lending Amendments and riders to appropriations bills House Bill re: Non-profit CDFI Depository Bank Expansion House Bill, Chairman Hensarling discussion draft, The Financial Choice Act Senate and House - Updates to the Stopping Abuse and Fraud in Electronic (SAFE) Lending Act Senate and House -Updates to the Secure and Fair Enforcement for Mortgage Licensing Act (also SAFE act)\ Senate - Senator Durbins usury rate cap bill (unintroduced at this time)
Client expense: $80,000 · Firm income: Not reported
Government targets: Consumer Financial Protection Bureau (CFPB), Education, Dept of, Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Housing & Urban Development, Dept of (HUD), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), Natl Economic Council (NEC), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), Treasury, Dept of, White House Office
2017 · second_quarter · Banking
2017 Q2 Legislation, Regulatory Issues and Agencies Lobbied Bills in the Senate: S. 708 Regulatory Improvement Act S. 774 Financial Institutions Examination Fairness and Reform Act S. 1484 Financial Regulatory Improvement Act of 2015 S. 1491 Community Lender Regulatory Relief and Consumer Protection Act of 2015 S. 1607 the Independent Agency Regulatory Analysis Act of 2015 S. 1647 Developing a Reliable and Innovative Vision for the Economy Act S. 1773 Consumer Reporting Fairness Act of 2015 S. 1818 Principled Rulemaking Act S. 1820 Early Participation in Regulations Act S. 1817 Smarter Regulations Through Advance Planning and Review Act S. 1958 Christopher Bryski Student Loan Protection Act S. 2038 Jumpstart GSE reform Act S. 2050 Private Education Loan Refinancing Act S. 2387 Commerce, Justice, Science, and Related Agencies Appropriations Act, FY2017 Senate Appropriations on Financial Services and General Government appropriations bill FY2017 S. 2663 Reforming CFPB Indirect Auto Financing Guidance Act S.J. Res. 19 - A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act. (CRA) S. 552: Justice for Victims of Fraud Act S. 537: Arbitration Fairness Act S. 550: Restoring Statutory Rights and Interests of the States Act S. 553: Court Legal Access and Student Support (CLASS) Act S. 647: Mandatory Arbitration Transparency Act S. 646: Justice for Servicemembers Act S.951 - Regulatory Accountability Act of 2017 Bills in the House: H.R. 4 Jobs for America Act H.R. 37 Promoting Job Creation and Reducing Small Business Burdens Act H.R. 50 Unfunded Mandates Information and Transparency Act of 2015 H.R. 113 Federal Reserve Accountability and Transparency Act of 2015 H.R. 185 The Regulatory Accountability Act H.R. 347 Facilitating Access to Credit Act H.R. 367 Regulations from the Executive in Need of Scrutiny (REINS) Act H.R. 427 Regulations from the Executive in Need of Scrutiny Act of 2015 H.R. 527 Small Business Regulatory Flexibility Improvements Act of 2015 H.R. 650 Preserving Access to Manufactured Housing Act of 2015 H.R. 685 Mortgage Choice Act of 2015 H.R. 766 Financial Institution Customer Protection Act of 2015 H.R. 899 Unfunded Mandates Information and Transparency Act H.R. 957 CFPB IG act of 2015 H.R. 1090 Retail Investor Protection Act H.R. 1195 Bureau of Consumer Financial Protection Advisory Boards Act H.R. 1210 Portfolio Lending and Mortgage Access Act H.R. 1259 Helping Expand Lending Practices in Rural Communities Act H.R. 1261 Bureau of Consumer Financial Protection Accountability Act of 2015 H.R. 1265 Bureau Advisory Commission Transparency Act H.R. 1266 Financial Product Safety Commission Act of 2015 H.R. 1413 Firearms Manufacturers and Dealers Protection Act of 2015 H.R. 1493 Sunshine for Regulatory Decrees and Settlements Act H.R. 1529 the Community Institution Mortgage Relief Act H.R. 1553 Small Bank Exam Cycle Reform Act of 2015 H.R. 1660 Federal Saving Association Charter Flexibility Act of 2015 H.R. 1737 Reforming CFPB Indirect Auto Financing Guidance Act H.R. 1799 Ensure Fair Prices in Title Insurance Act H.R. 1941 Financial Institutions Examination Fairness and Reform Act H.R. 2213 To provide for a temporary safe harbor from the enforcement of integrated disclosure requirements for mortgage loan transactions under the Real Estate Settlement Procedures Act of 1974 and the Truth in Lending Act, and for other purposes. H.R. 2029 and related amendments Consolidated Appropriations Act of 2016 H.R. 2243 Equity in Government Compensation Act of 201 H.R. 2354 Streamlining Excessive and Costly Regulations Review Act H.R. 4294 -SAVERS Act of 2015 H.R. 2542 Regulatory Flexibility Improvements Act H.R. 2577 Transportation, Housing and Urban Development, and Related Agencies Appropriations Act, 2016 H.R. 2804 Achieving Less Excess in Regulation and Requiring Transparency (ALERRT) Act (H.R. 2804). H.R. 3035 Credit Access and Inclusion Act H.R. 3189 FORM Act of 2015 H.R. 3192 Homebuyers Assistance Act H.R. 3438 REVIEW Act H.R. 3634 Student Loan Debt Protection Act H.R. 4018 Consumer Protection and Choice Act H.R. 4293 Affordable Retirement Advice Protection Act H.R. 4768 The Separation of Powers Restoration Act, 2016 H.R. 4986 End Operation Choke Point Act of 2014 H.R. 5143 The International Insurance Standards Act H.R. 5485 The "Financial Services and General Government Appropriations Act, 2017 H.R. 5982 Midnight Rules Relief Act of 2016 Fiscal Year 2016 spending bills for the Department of Justice (CJS) and the Department of Housing and Urban Development (THUD) Fiscal Year 2017 Commerce, Justice, Science Funding Bill H.R. 21 -Midnight Rules Relief Act of 2017 H.R. 26 -Executive Need of Scrutiny Act of 2017 (REINS Act) H.R. 5 -Regulatory Accountability Act of 2017 (RAA) H.J. Res. 73 - Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act. (CRA) H.R. 1424: Justice for Victims of Fraud Act H.R. 1374: Arbitration Fairness Act H.R. 1396: Restoring Statutory Rights and Interests of the States Act H.R. 985: The Fairness in Class Action Litigation Act of 2017 H.R. 585: Investor Choice Act of 2017 H.R. 864, (Rep. Love), the Stop Debt Collection Abuse Act of 2017 H.R. 924, (Rep. Rothfus), the Financial Institutions Due Process Act of 2017 H.R. 1457, (Rep. Tipton), the Making Online Banking Initiation Legal and Easy Act of 2017 H.R. 2133, (Rep. Luetkemeyer), the Community Lending Enhancement and Regulatory Relief Act of 2017 (CLEARR act) H.R. 2148, (Rep. Pittenger), the Clarifying Commercial Real Estate Loans H.R. 2396, (Rep. Trott), the Privacy Notification Technical Correction Act H.R. 3221, (Rep. Kustoff), the Access to Affordable Mortgages Act of 2017 H.R. ____, (Rep. Hollingsworth), the Ensuring Quality Unbiased Access to Loans Act of 2017 H.R. ____, (Rep. Tenney), to simplify the process for national banks to obtain deposit insurance, and for other purposes. House Appropriations Financial Services and General Government Financial Services Bill Under Discussion: A bill to provide consumer protections for overdraft fees A bill to provide consumer protections in auto lending Amendments and riders to appropriations bills House Bill re: Non-profit CDFI Depository Bank Expansion House Bill, Chairman Hensarling discussion draft, The Financial Choice Act Senate and House - Updates to the Stopping Abuse and Fraud in Electronic (SAFE) Lending Act Senate and House -Updates to the Secure and Fair Enforcement for Mortgage Licensing Act (also SAFE act)\ Senate - Senator Durbins usury rate cap bill (unintroduced at this time)
Client expense: $130,000 · Firm income: Not reported
Government targets: Consumer Financial Protection Bureau (CFPB), Education, Dept of, Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Housing & Urban Development, Dept of (HUD), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), Natl Economic Council (NEC), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), Treasury, Dept of, White House Office
2017 · first_quarter · Banking
Bills in the Senate: S. 708 Regulatory Improvement Act S. 774 Financial Institutions Examination Fairness and Reform Act S. 1484 Financial Regulatory Improvement Act of 2015 S. 1491 Community Lender Regulatory Relief and Consumer Protection Act of 2015 S. 1607 the Independent Agency Regulatory Analysis Act of 2015 S. 1647 Developing a Reliable and Innovative Vision for the Economy Act S. 1773 Consumer Reporting Fairness Act of 2015 S. 1818 Principled Rulemaking Act S. 1820 Early Participation in Regulations Act S. 1817 Smarter Regulations Through Advance Planning and Review Act S. 1958 Christopher Bryski Student Loan Protection Act S. 2038 Jumpstart GSE reform Act S. 2050 Private Education Loan Refinancing Act S. 2387 Commerce, Justice, Science, and Related Agencies Appropriations Act, FY2017 Senate Appropriations on Financial Services and General Government appropriations bill FY2017 S. 2663 Reforming CFPB Indirect Auto Financing Guidance Act S.J. Res. 19 - A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act. (CRA) S. 552: Justice for Victims of Fraud Act S. 537: Arbitration Fairness Act S. 550: Restoring Statutory Rights and Interests of the States Act S. 553: Court Legal Access and Student Support (CLASS) Act S. 647: Mandatory Arbitration Transparency Act S. 646: Justice for Servicemembers Act Bills in the House: H.R. 4 Jobs for America Act H.R. 37 Promoting Job Creation and Reducing Small Business Burdens Act H.R. 50 Unfunded Mandates Information and Transparency Act of 2015 H.R. 113 Federal Reserve Accountability and Transparency Act of 2015 H.R. 185 The Regulatory Accountability Act H.R. 347 Facilitating Access to Credit Act H.R. 367 Regulations from the Executive in Need of Scrutiny (REINS) Act H.R. 427 Regulations from the Executive in Need of Scrutiny Act of 2015 H.R. 527 Small Business Regulatory Flexibility Improvements Act of 2015 H.R. 650 Preserving Access to Manufactured Housing Act of 2015 H.R. 685 Mortgage Choice Act of 2015 H.R. 766 Financial Institution Customer Protection Act of 2015 H.R. 899 Unfunded Mandates Information and Transparency Act H.R. 957 CFPB IG act of 2015 H.R. 1090 Retail Investor Protection Act H.R. 1195 Bureau of Consumer Financial Protection Advisory Boards Act H.R. 1210 Portfolio Lending and Mortgage Access Act H.R. 1259 Helping Expand Lending Practices in Rural Communities Act H.R. 1261 Bureau of Consumer Financial Protection Accountability Act of 2015 H.R. 1265 Bureau Advisory Commission Transparency Act H.R. 1266 Financial Product Safety Commission Act of 2015 H.R. 1413 Firearms Manufacturers and Dealers Protection Act of 2015 H.R. 1493 Sunshine for Regulatory Decrees and Settlements Act H.R. 1529 the Community Institution Mortgage Relief Act H.R. 1553 Small Bank Exam Cycle Reform Act of 2015 H.R. 1660 Federal Saving Association Charter Flexibility Act of 2015 H.R. 1737 Reforming CFPB Indirect Auto Financing Guidance Act H.R. 1799 Ensure Fair Prices in Title Insurance Act H.R. 1941 Financial Institutions Examination Fairness and Reform Act H.R. 2213 To provide for a temporary safe harbor from the enforcement of integrated disclosure requirements for mortgage loan transactions under the Real Estate Settlement Procedures Act of 1974 and the Truth in Lending Act, and for other purposes. H.R. 2029 and related amendments Consolidated Appropriations Act of 2016 H.R. 2243 Equity in Government Compensation Act of 201 H.R. 2354 Streamlining Excessive and Costly Regulations Review Act H.R. 4294 -SAVERS Act of 2015 H.R. 2542 Regulatory Flexibility Improvements Act H.R. 2577 Transportation, Housing and Urban Development, and Related Agencies Appropriations Act, 2016 H.R. 2804 Achieving Less Excess in Regulation and Requiring Transparency (ALERRT) Act (H.R. 2804). H.R. 3035 Credit Access and Inclusion Act H.R. 3189 FORM Act of 2015 H.R. 3192 Homebuyers Assistance Act H.R. 3438 REVIEW Act H.R. 3634 Student Loan Debt Protection Act H.R. 4018 Consumer Protection and Choice Act H.R. 4293 Affordable Retirement Advice Protection Act H.R. 4768 The Separation of Powers Restoration Act, 2016 H.R. 4986 End Operation Choke Point Act of 2014 H.R. 5143 The International Insurance Standards Act H.R. 5485 The "Financial Services and General Government Appropriations Act, 2017 H.R. 5982 Midnight Rules Relief Act of 2016 Fiscal Year 2016 spending bills for the Department of Justice (CJS) and the Department of Housing and Urban Development (THUD) Fiscal Year 2017 Commerce, Justice, Science Funding Bill H.R. 21 -Midnight Rules Relief Act of 2017 H.R. 26 -Executive Need of Scrutiny Act of 2017 (REINS Act) H.R. 5 -Regulatory Accountability Act of 2017 (RAA) H.J. Res. 73 - Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act. (CRA) H.R. 1424: Justice for Victims of Fraud Act H.R. 1374: Arbitration Fairness Act H.R. 1396: Restoring Statutory Rights and Interests of the States Act H.R. 985: The Fairness in Class Action Litigation Act of 2017 H.R. 585: Investor Choice Act of 2017 Under Discussion: A bill to provide consumer protections for overdraft fees A bill to provide consumer protections in auto lending Amendments and riders to appropriations bills House Bill re: Non-profit CDFI Depository Bank Expansion House Bill, Chairman Hensarling discussion draft, The Financial Choice Act Updates to the Stopping Abuse and Fraud in Electronic (SAFE) Lending Act Updates to the Secure and Fair Enforcement for Mortgage Licensing Act (also SAFE act)
Client expense: $60,000 · Firm income: Not reported
Government targets: Consumer Financial Protection Bureau (CFPB), Education, Dept of, Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Housing & Urban Development, Dept of (HUD), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), Natl Economic Council (NEC), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), Treasury, Dept of, White House Office
2016 · third_quarter · Banking
Bills in the Senate: S. 708 Regulatory Improvement Act S. 774 Financial Institutions Examination Fairness and Reform Act S. 1484 Financial Regulatory Improvement Act of 2015 S. 1491 Community Lender Regulatory Relief and Consumer Protection Act of 2015 S. 1607 the Independent Agency Regulatory Analysis Act of 2015 S. 1647 Developing a Reliable and Innovative Vision for the Economy Act S. 1773 Consumer Reporting Fairness Act of 2015 S. 1818 Principled Rulemaking Act S. 1820 Early Participation in Regulations Act S. 1817 Smarter Regulations Through Advance Planning and Review Act S. 1958 Christopher Bryski Student Loan Protection Act S. 2038 Jumpstart GSE reform Act S. 2050 Private Education Loan Refinancing Act S. 2387 Commerce, Justice, Science, and Related Agencies Appropriations Act, FY2017 Senate Appropriations on Financial Services and General Government appropriations bill FY2017 S. 2663 Reforming CFPB Indirect Auto Financing Guidance Act Bills in the House: H.R. 4 Jobs for America Act H.R. 37 Promoting Job Creation and Reducing Small Business Burdens Act H.R. 50 Unfunded Mandates Information and Transparency Act of 2015 H.R. 113 Federal Reserve Accountability and Transparency Act of 2015 H.R. 185 The Regulatory Accountability Act H.R. 347 Facilitating Access to Credit Act H.R. 367 Regulations from the Executive in Need of Scrutiny (REINS) Act H.R. 427 Regulations from the Executive in Need of Scrutiny Act of 2015 H.R. 527 Small Business Regulatory Flexibility Improvements Act of 2015 H.R. 650 Preserving Access to Manufactured Housing Act of 2015 H.R. 685 Mortgage Choice Act of 2015 H.R. 766 Financial Institution Customer Protection Act of 2015 H.R. 899 Unfunded Mandates Information and Transparency Act H.R. 957 CFPB IG act of 2015 H.R. 1090 Retail Investor Protection Act H.R. 1195 Bureau of Consumer Financial Protection Advisory Boards Act H.R. 1210 Portfolio Lending and Mortgage Access Act H.R. 1259 Helping Expand Lending Practices in Rural Communities Act H.R. 1261 Bureau of Consumer Financial Protection Accountability Act of 2015 H.R. 1265 Bureau Advisory Commission Transparency Act H.R. 1266 Financial Product Safety Commission Act of 2015 H.R. 1413 Firearms Manufacturers and Dealers Protection Act of 2015 H.R. 1493 Sunshine for Regulatory Decrees and Settlements Act H.R. 1529 the Community Institution Mortgage Relief Act H.R. 1553 Small Bank Exam Cycle Reform Act of 2015 H.R. 1660 Federal Saving Association Charter Flexibility Act of 2015 H.R. 1737 Reforming CFPB Indirect Auto Financing Guidance Act H.R. 1799 Ensure Fair Prices in Title Insurance Act H.R. 1941 Financial Institutions Examination Fairness and Reform Act H.R. 2213 To provide for a temporary safe harbor from the enforcement of integrated disclosure requirements for mortgage loan transactions under the Real Estate Settlement Procedures Act of 1974 and the Truth in Lending Act, and for other purposes. H.R. 2029 and related amendments Consolidated Appropriations Act of 2016 H.R. 2243 Equity in Government Compensation Act of 201 H.R. 2354 Streamlining Excessive and Costly Regulations Review Act H.R. 4294 -SAVERS Act of 2015 H.R. 2542 Regulatory Flexibility Improvements Act H.R. 2577 Transportation, Housing and Urban Development, and Related Agencies Appropriations Act, 2016 H.R. 2804 Achieving Less Excess in Regulation and Requiring Transparency (ALERRT) Act (H.R. 2804). H.R. 3035 Credit Access and Inclusion Act H.R. 3189 FORM Act of 2015 H.R. 3192 Homebuyers Assistance Act H.R. 3634 Student Loan Debt Protection Act H.R. 4018 Consumer Protection and Choice Act H.R. 4293 Affordable Retirement Advice Protection Act H.R. 4768 The Separation of Powers Restoration Act, 2016 H.R. 4986 End Operation Choke Point Act of 2014 H.R. 5485 The "Financial Services and General Government Appropriations Act, 2017 H.R. 5982 Midnight Rules Relief Act of 2016 Fiscal Year 2016 spending bills for the Department of Justice (CJS) and the Department of Housing and Urban Development (THUD) Fiscal Year 2017 Commerce, Justice, Science Funding Bill Under Discussion: A bill to provide consumer protections for overdraft fees A bill to provide consumer protections in auto lending Amendments and riders to appropriations bills House Bill re: Non-profit CDFI Depository Bank Expansion House Bill, Chairman Hensarling discussion draft, The Financial Choice Act
2016 · fourth_quarter · Consumer Issues/Safety/Products
CFPB Arbitration Rule CFPB Complaint Portal CFPB/Department of Education/U.S. Treasury Department - Reporting standards regarding government-administered student loans CFPB Criminal Records Practices CFPB - Issues regarding reporting of data to nationwide consumer reporting agencies NTIS - Death Master File Access and Final Rule Implementation IRS - Access to the IVES income verification data for mortgage lending SSA - Processing of SSA-89 Forms for mortgage lending H.R. 4127 - Credit Access and Inclusion Act - Issues at it pertains to the Fair Credit Reporting Act Military Lending Act Implementation Amendments filed by Senators Menendez and Tester relative to reauthorization of the National Defense Authorization Act Amendments filed by Senators Menendez and Tester relative to the Transportation, Housing and Urban Development Appropriation Bill Amendment filed by Senator Tester relative to Financial Services and Government Appropriation Bill Questions to CDIA members by Senator McCaskill as Ranking Member on the Senate Special Committee on Aging HR 5593 - Protecting Veterans Credit Act of 2016 H.R. 347, the Facilitating Access to Credit Act of 2015 - as it relates to amending the Credit Repair Organizations Act. H.R. 3035, the Credit Access and Inclusion Act of 2015 - as it relates to amending the Fair Credit Reporting Act. H.R. 4211, the Credit Score Competition Act of 2015 - as it relates to credit scores.
Client expense: $210,000 · Firm income: Not reported
2016 · fourth_quarter · Consumer Issues/Safety/Products
CFPB Arbitration Rule CFPB Complaint Portal CFPB/Department of Education/U.S. Treasury Department - Reporting standards regarding government-administered student loans CFPB Criminal Records Practices CFPB - Issues regarding reporting of data to nationwide consumer reporting agencies NTIS - Death Master File Access and Final Rule Implementation IRS - Access to the IVES income verification data for mortgage lending SSA - Processing of SSA-89 Forms for mortgage lending H.R. 4127 - Credit Access and Inclusion Act - Issues at it pertains to the Fair Credit Reporting Act Military Lending Act Implementation Amendments filed by Senators Menendez and Tester relative to reauthorization of the National Defense Authorization Act Amendments filed by Senators Menendez and Tester relative to the Transportation, Housing and Urban Development Appropriation Bill Amendment filed by Senator Tester relative to Financial Services and Government Appropriation Bill Questions to CDIA members by Senator McCaskill as Ranking Member on the Senate Special Committee on Aging HR 5593 - Protecting Veterans Credit Act of 2016 H.R. 347, the Facilitating Access to Credit Act of 2015 - as it relates to amending the Credit Repair Organizations Act. H.R. 3035, the Credit Access and Inclusion Act of 2015 - as it relates to amending the Fair Credit Reporting Act. H.R. 4211, the Credit Score Competition Act of 2015 - as it relates to credit scores.
Client expense: $210,000 · Firm income: Not reported
2016 · fourth_quarter · Banking
Bills in the Senate: S. 708 Regulatory Improvement Act S. 774 Financial Institutions Examination Fairness and Reform Act S. 1484 Financial Regulatory Improvement Act of 2015 S. 1491 Community Lender Regulatory Relief and Consumer Protection Act of 2015 S. 1607 the Independent Agency Regulatory Analysis Act of 2015 S. 1647 Developing a Reliable and Innovative Vision for the Economy Act S. 1773 Consumer Reporting Fairness Act of 2015 S. 1818 Principled Rulemaking Act S. 1820 Early Participation in Regulations Act S. 1817 Smarter Regulations Through Advance Planning and Review Act S. 1958 Christopher Bryski Student Loan Protection Act S. 2038 Jumpstart GSE reform Act S. 2050 Private Education Loan Refinancing Act S. 2387 Commerce, Justice, Science, and Related Agencies Appropriations Act, FY2017 Senate Appropriations on Financial Services and General Government appropriations bill FY2017 S. 2663 Reforming CFPB Indirect Auto Financing Guidance Act Bills in the House: H.R. 4 Jobs for America Act H.R. 37 Promoting Job Creation and Reducing Small Business Burdens Act H.R. 50 Unfunded Mandates Information and Transparency Act of 2015 H.R. 113 Federal Reserve Accountability and Transparency Act of 2015 H.R. 185 The Regulatory Accountability Act H.R. 347 Facilitating Access to Credit Act H.R. 367 Regulations from the Executive in Need of Scrutiny (REINS) Act H.R. 427 Regulations from the Executive in Need of Scrutiny Act of 2015 H.R. 527 Small Business Regulatory Flexibility Improvements Act of 2015 H.R. 650 Preserving Access to Manufactured Housing Act of 2015 H.R. 685 Mortgage Choice Act of 2015 H.R. 766 Financial Institution Customer Protection Act of 2015 H.R. 899 Unfunded Mandates Information and Transparency Act H.R. 957 CFPB IG act of 2015 H.R. 1090 Retail Investor Protection Act H.R. 1195 Bureau of Consumer Financial Protection Advisory Boards Act H.R. 1210 Portfolio Lending and Mortgage Access Act H.R. 1259 Helping Expand Lending Practices in Rural Communities Act H.R. 1261 Bureau of Consumer Financial Protection Accountability Act of 2015 H.R. 1265 Bureau Advisory Commission Transparency Act H.R. 1266 Financial Product Safety Commission Act of 2015 H.R. 1413 Firearms Manufacturers and Dealers Protection Act of 2015 H.R. 1493 Sunshine for Regulatory Decrees and Settlements Act H.R. 1529 the Community Institution Mortgage Relief Act H.R. 1553 Small Bank Exam Cycle Reform Act of 2015 H.R. 1660 Federal Saving Association Charter Flexibility Act of 2015 H.R. 1737 Reforming CFPB Indirect Auto Financing Guidance Act H.R. 1799 Ensure Fair Prices in Title Insurance Act H.R. 1941 Financial Institutions Examination Fairness and Reform Act H.R. 2213 To provide for a temporary safe harbor from the enforcement of integrated disclosure requirements for mortgage loan transactions under the Real Estate Settlement Procedures Act of 1974 and the Truth in Lending Act, and for other purposes. H.R. 2029 and related amendments Consolidated Appropriations Act of 2016 H.R. 2243 Equity in Government Compensation Act of 201 H.R. 2354 Streamlining Excessive and Costly Regulations Review Act H.R. 4294 -SAVERS Act of 2015 H.R. 2542 Regulatory Flexibility Improvements Act H.R. 2577 Transportation, Housing and Urban Development, and Related Agencies Appropriations Act, 2016 H.R. 2804 Achieving Less Excess in Regulation and Requiring Transparency (ALERRT) Act (H.R. 2804). H.R. 3035 Credit Access and Inclusion Act H.R. 3189 FORM Act of 2015 H.R. 3192 Homebuyers Assistance Act H.R. 3438 REVIEW Act H.R. 3634 Student Loan Debt Protection Act H.R. 4018 Consumer Protection and Choice Act H.R. 4293 Affordable Retirement Advice Protection Act H.R. 4768 The Separation of Powers Restoration Act, 2016 H.R. 4986 End Operation Choke Point Act of 2014 H.R. 5143 The International Insurance Standards Act H.R. 5485 The "Financial Services and General Government Appropriations Act, 2017 H.R. 5982 Midnight Rules Relief Act of 2016 Fiscal Year 2016 spending bills for the Department of Justice (CJS) and the Department of Housing and Urban Development (THUD) Fiscal Year 2017 Commerce, Justice, Science Funding Bill Under Discussion: A bill to provide consumer protections for overdraft fees A bill to provide consumer protections in auto lending Amendments and riders to appropriations bills House Bill re: Non-profit CDFI Depository Bank Expansion House Bill, Chairman Hensarling discussion draft, The Financial Choice Act
2016 · fourth_quarter · Financial Institutions/Investments/Securities
Credit Availability S1484 - The Financial Regulatory Improvement Act of 2015 Fees and Points in the QM ATR Rules of Dodd-Frank HR685 - Mortgage Choice Act of 2015 Student Loan Debt HR970 - Supporting Academic Freedom through Regulatory Relief Act HR1131 - Fairness in Student Loan Lending Act HR1434 - Bank on Students Emergency Loan Refinancing Act HR3179 - Empowering Students Through Enhanced Financial Counseling Act HR3180 - Flexible Pell Grant for 21st Century Students Act HR4162 - Credit Access and Inclusion Act of 2015 HR4652 - CLEAR Act S85 - Repay Act of 2015 S108 - Financial Aid Simplification and Transparency Act of 2015 S729 - Fairness for Struggling Students Act of 2015 S793 - Bank on Students Emergency Loan Refinancing Act S840 - Student Loan Borrower Bill of Rights S1948 - AFFORD Act S2043 - Know Before You Owe Federal Student Loan Act of 2015 S2677 - In the Red Act of 2016 Credit Union Lending HR1188 - Credit Union Small Business Job Creations Act CFPB Reform HR1266 - Financial Product Safety Commission Act of 2015 S510 - CFPB-IG Act of 2015 Access to Manufactured Housing HR650 - Preserving Access to Manufactured Housing Act of 2015 S682 - Preserving Access to Manufactured Housing Act of 2015 GSE Reform HR22 - DRIVE Act HR1491 - Partnership to Strengthen Homeownership Act of 2015 HR2029 - Consolidated Appropriations Act, 2016 HR4913 - Housing Finance Restructuring Act of 2016 HR__ - Moving Housing Forward Act S2038 - Jumpstart GSE Reform Act Guarantee Fees S752 - A bill to establish a scorekeeping rule to ensure that increases in guarantee fees of Fannie Mae and Freddie Mac shall not be used to offset provisions that increase the deficit. HConRes125 - Establishing the congressional budget for the United States Government for fiscal year 2017 and setting forth the appropriate budgetary levels for fiscal years 2018 through 2026. RESPA/TILA Amendments/TRID HR1113 - Portfolio Lending and Mortgage Access Act HR1210 - Portfolio Lending and Mortgage Access Act HR3192 - Homebuyers Assistance Act S1711 - A bill to provide for a temporary safe harbor from the enforcement of integrated disclosure requirements for mortgage loan transactions under the Real Estate Settlement Procedures Act of 1974 and the Truth in Lending Act, and for other purposes. Short Sales HR4812 - Prompt Notification of Short Sales Act Mortgage Servicing Assets HR2029 - Consolidated Appropriations Act, 2016 Alternative Credit Scoring HR3035 - Credit Access and Inclusion Act of 2015 HR4211 - Credit Score Competition Act of 2015 HR4893 - Risk Management and Homeowner Stability Act of 2016 S2355 - Credit Access and Inclusion Act of 2015 Service Members Foreclosure Relief S2393 - Foreclosure Relief and Extension for Servicemembers Act of 2015 Commercial Risk Retention Rules HR4620 - Preserving Access to CRE Capital Act of 2016 FHFA HR3808 - To require the withdrawal and study of the Federal Housing Finance Agency's proposed rule on Federal Home Loan Bank membership, and for other purposes. Financial Regulatory Reform HR1090 - Retail Investor Protection Act HR1523 - Community Bank Access to Capital Act of 2015 HR2642 - Community Lender Regulatory Relief and Consumer Protection Act of 2015 HR5983 - The Financial Choice Act S1484 - Financial Regulatory Improvement Act of 2015 S1491 - Community Lender Regulatory Relief and Consumer Protection Act of 2015 S1816 - Community Bank Access to Capital Act of 2015 Credit Reporting HR347 - The Facilitating Access to Credit Act HR5282 - The Comprehensive Consumer Credit Reporting Act of 2016 Federal Home Loan Bank HR__ - To amend the Federal Home Loan Bank Act to clarify the definition of an insurance company and to provide Federal Home Loan Bank membership standards for certain captive insurance companies Alternative Lending Sources HR4854 - Supporting America's Innovators Act of 2016 HR4855 - Fix Crowdfunding Act Zombie Foreclosures S3146 - Preserving Abandoned Foreclosures and Preserving Communities Act of 2016 Conversations with the Consumer Finance Protection Bureau (CFPB) on TRID, RESPA, TILA, and student loan debt. Discussions with the Federal Housing Finance Agency (FHFA) on GSE reform, duty-to-serve. Discussions with the Treasury on anti-money laundering and GSE reform. Conversations with the Office of the Comptroller of the Currency (OCC) on bank charters. Discussions with the Securities and Exchange Commission (SEC) on crowdfunding, small business lending.
2016 · fourth_quarter · Financial Institutions/Investments/Securities
Legislative issues related to financial literacy tools and the Credit Repair Organizations Act, including H.R. 347 and other similar legislation. Potential legislative and regulatory issues pertaining to credit reporting and scoring, including S. 2943, H.R. 3035, H.R. 4211, H.R. 4172 and S.2355. Regulatory issues pertaining to continued commercial access to the Death Master File.
Client expense: $350,000 · Firm income: Not reported
Government targets: Commerce, Dept of (DOC), Consumer Financial Protection Bureau (CFPB), Federal Housing Finance Agency (FHFA), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Natl Technical Information Service, Office of the Comptroller of the Currency (OCC), SENATE, Social Security Administration (SSA), Treasury, Dept of
Issues related to data breach notification and data security. Cybersecurity issues. HR 1770, Data Security and Breach Notification Act, all provisions. HR 2205, Data Security Act, all provisions. HR 3035, HR 4172, Credit Access and Inclusion Act, all provisions. Issues related to next-generation credit score products. HR 2477, Financial Transparency Act, all provisions.
Client expense: $410,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2016 · fourth_quarter · Financial Institutions/Investments/Securities
"Credit Access and Inclusion Act of 2015" (H.R. 3035, H.R. 4172, and S. 2355). Credit Score Competition Act (H.R. 4211).
Client expense: Not reported · Firm income: $60,000
Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Natl Credit Union Administration (NCUA), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of
2016 · fourth_quarter · Consumer Issues/Safety/Products
Internet, marketing, and data protection issues Issues pertaining to facilitating access to credit Potential privacy, data security, and breach notification legislation in House of Representatives and Senate S. 668 - Data Broker Accountability and Transparency Act of 2015 H.R. 4516 - Data Broker Accountability and Transparency Act H.R. 1770 - Data Security and Breach Notification Act of 2015 S. 177 - Data Security and Breach Notification Act H.R. 580 - Data Accountability and Trust Act S. 961 - Data Security Act of 2015 S. 1027 - Data Breach Notification and Punishing Cyber Criminals Act H.R. 1704 - Personal Data Notification and Protection Act S. 1158 - Consumer Privacy Protection Act H.R. 2977 - Consumer Privacy Protection Act H.R. 2205 - Data Security Act H.R. 4187 - Secure and Protect Americans Data Act H.R. 2092 - Student Digital Privacy and Parental Rights Act of 2015 S. 1322 - Protecting Student Privacy Act of 2015 S. 1341 - Student Privacy Protection Act H.R. 3157 - Student Privacy Protection Act S. 1563 - Do Not Track Kids Act of 2015 H.R. 2734 - Do Not Track Kids Act of 2015 S. 2404 - Do Not Track Act S. 423 - Privacy Notice Modernization Act H.R. 601 - Eliminate Privacy Notice Confusion Act H.R. 699 - Email Privacy Act of 2015 H.R. 283 - Electronic Communications Privacy Amendments Act of 2015 S. 356 - Electronic Communications Privacy Amendments Act of 2015 S. 547 - Commercial Privacy Bill of Rights H.R. 1053 - Commercial Privacy Bill of Rights S. 237 - Geolocation Privacy and Surveillance Act H.R. 491 - Geolocation Privacy and Surveillance Act H.R. 656 - Online Communications and Geolocation Protection Act S. 2270 - Location Privacy Protection Act of 2015 H.R. 4517 - Application Privacy, Protection, and Security (APPS) Act S. 754 - Cybersecurity Information Sharing Act (CISA) H.R. 2029 - Consolidated Appropriations Act (Cybersecurity Act of 2015) H.R. 347 - Facilitating Access to Credit Act of 2015 H.R. 3035 - The Credit Access and Inclusion Act S.2607 - DIGIT Act H.R. 5117 - DIGIT Act H.R. 5093 - TIME Act H.R. 5097 - STALL Act H.R. 5109 - CLEAR Act H.R. 5111 - Consumer Review Fairness Act of 2016 H.R. 5115 - SURE Act H.R. 5118 - SHIELD Act H.R. 5136 - RECS Act H.R. 5510 - FTC Process and Transparency Reform Act of 2016 H.R. 5058 - Free Credit Score Act of 2016 H.R. 5593 - Protecting Veterans Credit Act of 2016
2016 · third_quarter · Banking
Bills in the Senate: S. 708 Regulatory Improvement Act S. 774 Financial Institutions Examination Fairness and Reform Act S. 1484 Financial Regulatory Improvement Act of 2015 S. 1491 Community Lender Regulatory Relief and Consumer Protection Act of 2015 S. 1607 the Independent Agency Regulatory Analysis Act of 2015 S. 1647 Developing a Reliable and Innovative Vision for the Economy Act S. 1773 Consumer Reporting Fairness Act of 2015 S. 1818 Principled Rulemaking Act S. 1820 Early Participation in Regulations Act S. 1817 Smarter Regulations Through Advance Planning and Review Act S. 1958 Christopher Bryski Student Loan Protection Act S. 2038 Jumpstart GSE reform Act S. 2050 Private Education Loan Refinancing Act S. 2387 Commerce, Justice, Science, and Related Agencies Appropriations Act, FY2017 Senate Appropriations on Financial Services and General Government appropriations bill FY2017 S. 2663 Reforming CFPB Indirect Auto Financing Guidance Act Bills in the House: H.R. 4 Jobs for America Act H.R. 37 Promoting Job Creation and Reducing Small Business Burdens Act H.R. 50 Unfunded Mandates Information and Transparency Act of 2015 H.R. 113 Federal Reserve Accountability and Transparency Act of 2015 H.R. 185 The Regulatory Accountability Act H.R. 347 Facilitating Access to Credit Act H.R. 367 Regulations from the Executive in Need of Scrutiny (REINS) Act H.R. 427 Regulations from the Executive in Need of Scrutiny Act of 2015 H.R. 527 Small Business Regulatory Flexibility Improvements Act of 2015 H.R. 650 Preserving Access to Manufactured Housing Act of 2015 H.R. 685 Mortgage Choice Act of 2015 H.R. 766 Financial Institution Customer Protection Act of 2015 H.R. 899 Unfunded Mandates Information and Transparency Act H.R. 957 CFPB IG act of 2015 H.R. 1090 Retail Investor Protection Act H.R. 1195 Bureau of Consumer Financial Protection Advisory Boards Act H.R. 1210 Portfolio Lending and Mortgage Access Act H.R. 1259 Helping Expand Lending Practices in Rural Communities Act H.R. 1261 Bureau of Consumer Financial Protection Accountability Act of 2015 H.R. 1265 Bureau Advisory Commission Transparency Act H.R. 1266 Financial Product Safety Commission Act of 2015 H.R. 1413 Firearms Manufacturers and Dealers Protection Act of 2015 H.R. 1493 Sunshine for Regulatory Decrees and Settlements Act H.R. 1529 the Community Institution Mortgage Relief Act H.R. 1553 Small Bank Exam Cycle Reform Act of 2015 H.R. 1660 Federal Saving Association Charter Flexibility Act of 2015 H.R. 1737 Reforming CFPB Indirect Auto Financing Guidance Act H.R. 1799 Ensure Fair Prices in Title Insurance Act H.R. 1941 Financial Institutions Examination Fairness and Reform Act H.R. 2213 To provide for a temporary safe harbor from the enforcement of integrated disclosure requirements for mortgage loan transactions under the Real Estate Settlement Procedures Act of 1974 and the Truth in Lending Act, and for other purposes. H.R. 2029 and related amendments Consolidated Appropriations Act of 2016 H.R. 2243 Equity in Government Compensation Act of 201 H.R. 2354 Streamlining Excessive and Costly Regulations Review Act H.R. 4294 -SAVERS Act of 2015 H.R. 2542 Regulatory Flexibility Improvements Act H.R. 2577 Transportation, Housing and Urban Development, and Related Agencies Appropriations Act, 2016 H.R. 2804 Achieving Less Excess in Regulation and Requiring Transparency (ALERRT) Act (H.R. 2804). H.R. 3035 Credit Access and Inclusion Act H.R. 3189 FORM Act of 2015 H.R. 3192 Homebuyers Assistance Act H.R. 3634 Student Loan Debt Protection Act H.R. 4018 Consumer Protection and Choice Act H.R. 4293 Affordable Retirement Advice Protection Act H.R. 4768 The Separation of Powers Restoration Act, 2016 H.R. 4986 End Operation Choke Point Act of 2014 H.R. 5485 The "Financial Services and General Government Appropriations Act, 2017 H.R. 5982 Midnight Rules Relief Act of 2016 Fiscal Year 2016 spending bills for the Department of Justice (CJS) and the Department of Housing and Urban Development (THUD) Fiscal Year 2017 Commerce, Justice, Science Funding Bill Under Discussion: A bill to provide consumer protections for overdraft fees A bill to provide consumer protections in auto lending Amendments and riders to appropriations bills House Bill re: Non-profit CDFI Depository Bank Expansion House Bill, Chairman Hensarling discussion draft, The Financial Choice Act
2016 · third_quarter · Banking
Bills in the Senate: S. 708 Regulatory Improvement Act S. 774 Financial Institutions Examination Fairness and Reform Act S. 1484 Financial Regulatory Improvement Act of 2015 S. 1491 Community Lender Regulatory Relief and Consumer Protection Act of 2015 S. 1607 the Independent Agency Regulatory Analysis Act of 2015 S. 1647 Developing a Reliable and Innovative Vision for the Economy Act S. 1773 Consumer Reporting Fairness Act of 2015 S. 1818 Principled Rulemaking Act S. 1820 Early Participation in Regulations Act S. 1817 Smarter Regulations Through Advance Planning and Review Act S. 1958 Christopher Bryski Student Loan Protection Act S. 2038 Jumpstart GSE reform Act S. 2050 Private Education Loan Refinancing Act S. 2387 Commerce, Justice, Science, and Related Agencies Appropriations Act, FY2017 Senate Appropriations on Financial Services and General Government appropriations bill FY2017 S. 2663 Reforming CFPB Indirect Auto Financing Guidance Act Bills in the House: H.R. 4 Jobs for America Act H.R. 37 Promoting Job Creation and Reducing Small Business Burdens Act H.R. 50 Unfunded Mandates Information and Transparency Act of 2015 H.R. 113 Federal Reserve Accountability and Transparency Act of 2015 H.R. 185 The Regulatory Accountability Act H.R. 347 Facilitating Access to Credit Act H.R. 367 Regulations from the Executive in Need of Scrutiny (REINS) Act H.R. 427 Regulations from the Executive in Need of Scrutiny Act of 2015 H.R. 527 Small Business Regulatory Flexibility Improvements Act of 2015 H.R. 650 Preserving Access to Manufactured Housing Act of 2015 H.R. 685 Mortgage Choice Act of 2015 H.R. 766 Financial Institution Customer Protection Act of 2015 H.R. 899 Unfunded Mandates Information and Transparency Act H.R. 957 CFPB IG act of 2015 H.R. 1090 Retail Investor Protection Act H.R. 1195 Bureau of Consumer Financial Protection Advisory Boards Act H.R. 1210 Portfolio Lending and Mortgage Access Act H.R. 1259 Helping Expand Lending Practices in Rural Communities Act H.R. 1261 Bureau of Consumer Financial Protection Accountability Act of 2015 H.R. 1265 Bureau Advisory Commission Transparency Act H.R. 1266 Financial Product Safety Commission Act of 2015 H.R. 1413 Firearms Manufacturers and Dealers Protection Act of 2015 H.R. 1493 Sunshine for Regulatory Decrees and Settlements Act H.R. 1529 the Community Institution Mortgage Relief Act H.R. 1553 Small Bank Exam Cycle Reform Act of 2015 H.R. 1660 Federal Saving Association Charter Flexibility Act of 2015 H.R. 1737 Reforming CFPB Indirect Auto Financing Guidance Act H.R. 1799 Ensure Fair Prices in Title Insurance Act H.R. 1941 Financial Institutions Examination Fairness and Reform Act H.R. 2213 To provide for a temporary safe harbor from the enforcement of integrated disclosure requirements for mortgage loan transactions under the Real Estate Settlement Procedures Act of 1974 and the Truth in Lending Act, and for other purposes. H.R. 2029 and related amendments Consolidated Appropriations Act of 2016 H.R. 2243 Equity in Government Compensation Act of 201 H.R. 2354 Streamlining Excessive and Costly Regulations Review Act H.R. 4294 -SAVERS Act of 2015 H.R. 2542 Regulatory Flexibility Improvements Act H.R. 2577 Transportation, Housing and Urban Development, and Related Agencies Appropriations Act, 2016 H.R. 2804 Achieving Less Excess in Regulation and Requiring Transparency (ALERRT) Act (H.R. 2804). H.R. 3035 Credit Access and Inclusion Act H.R. 3189 FORM Act of 2015 H.R. 3192 Homebuyers Assistance Act H.R. 3634 Student Loan Debt Protection Act H.R. 4018 Consumer Protection and Choice Act H.R. 4293 Affordable Retirement Advice Protection Act H.R. 4768 The Separation of Powers Restoration Act, 2016 H.R. 4986 End Operation Choke Point Act of 2014 H.R. 5485 The "Financial Services and General Government Appropriations Act, 2017 H.R. 5982 Midnight Rules Relief Act of 2016 Fiscal Year 2016 spending bills for the Department of Justice (CJS) and the Department of Housing and Urban Development (THUD) Fiscal Year 2017 Commerce, Justice, Science Funding Bill Under Discussion: A bill to provide consumer protections for overdraft fees A bill to provide consumer protections in auto lending Amendments and riders to appropriations bills House Bill re: Non-profit CDFI Depository Bank Expansion House Bill, Chairman Hensarling discussion draft, The Financial Choice Act
2016 · third_quarter · Financial Institutions/Investments/Securities
Credit Availability S1484 - The Financial Regulatory Improvement Act of 2015 Fees and Points in the QM ATR Rules of Dodd-Frank HR685 - Mortgage Choice Act of 2015 Student Loan Debt HR970 - Supporting Academic Freedom through Regulatory Relief Act HR1131 - Fairness in Student Loan Lending Act HR1434 - Bank on Students Emergency Loan Refinancing Act HR3179 - Empowering Students Through Enhanced Financial Counseling Act HR3180 - Flexible Pell Grant for 21st Century Students Act HR4162 - Credit Access and Inclusion Act of 2015 HR4652 - CLEAR Act S85 - Repay Act of 2015 S108 - Financial Aid Simplification and Transparency Act of 2015 S729 - Fairness for Struggling Students Act of 2015 S793 - Bank on Students Emergency Loan Refinancing Act S840 - Student Loan Borrower Bill of Rights S1948 - AFFORD Act S2043 - Know Before You Owe Federal Student Loan Act of 2015 S2677 - In the Red Act of 2016 Credit Union Lending HR1188 - Credit Union Small Business Job Creations Act CFPB Reform HR1266 - Financial Product Safety Commission Act of 2015 S510 - CFPB-IG Act of 2015 Access to Manufactured Housing HR650 - Preserving Access to Manufactured Housing Act of 2015 S682 - Preserving Access to Manufactured Housing Act of 2015 GSE Reform HR22 - DRIVE Act HR1491 - Partnership to Strengthen Homeownership Act of 2015 HR2029 - Consolidated Appropriations Act, 2016 HR4913 - Housing Finance Restructuring Act of 2016 HR__ - Moving Housing Forward Act S2038 - Jumpstart GSE Reform Act Guarantee Fees S752 - A bill to establish a scorekeeping rule to ensure that increases in guarantee fees of Fannie Mae and Freddie Mac shall not be used to offset provisions that increase the deficit. HConRes125 - Establishing the congressional budget for the United States Government for fiscal year 2017 and setting forth the appropriate budgetary levels for fiscal years 2018 through 2026. RESPA/TILA Amendments/TRID HR1113 - Portfolio Lending and Mortgage Access Act HR1210 - Portfolio Lending and Mortgage Access Act HR3192 - Homebuyers Assistance Act S1711 - A bill to provide for a temporary safe harbor from the enforcement of integrated disclosure requirements for mortgage loan transactions under the Real Estate Settlement Procedures Act of 1974 and the Truth in Lending Act, and for other purposes. Short Sales HR4812 - Prompt Notification of Short Sales Act Mortgage Servicing Assets HR2029 - Consolidated Appropriations Act, 2016 Alternative Credit Scoring HR3035 - Credit Access and Inclusion Act of 2015 HR4211 - Credit Score Competition Act of 2015 HR4893 - Risk Management and Homeowner Stability Act of 2016 S2355 - Credit Access and Inclusion Act of 2015 Service Members Foreclosure Relief S2393 - Foreclosure Relief and Extension for Servicemembers Act of 2015 Commercial Risk Retention Rules HR4620 - Preserving Access to CRE Capital Act of 2016 FHFA HR3808 - To require the withdrawal and study of the Federal Housing Finance Agency's proposed rule on Federal Home Loan Bank membership, and for other purposes. Financial Regulatory Reform HR1090 - Retail Investor Protection Act HR2642 - Community Lender Regulatory Relief and Consumer Protection Act of 2015 S1484 - Financial Regulatory Improvement Act of 2015 S1491 - Community Lender Regulatory Relief and Consumer Protection Act of 2015 HR__ - The Financial Choice Act Credit Reporting HR347 - The Facilitating Access to Credit Act HR5282 - The Comprehensive Consumer Credit Reporting Act of 2016 Federal Home Loan Bank HR__ - To amend the Federal Home Loan Bank Act to clarify the definition of an insurance company and to provide Federal Home Loan Bank membership standards for certain captive insurance companies Alternative Lending Sources HR4854 - Supporting America's Innovators Act of 2016 HR4855 - Fix Crowdfunding Act Zombie Foreclosures S3146 - Preserving Abandoned Foreclosures and Preserving Communities Act of 2016 Conversations with the Consumer Finance Protection Bureau (CFPB) on TRID/Know Before You Owe. Discussions with the Federal Housing Finance Agency (FHFA) on credit availability, appraisal issues, appraisal management companies (AMCs), GSE reform, and risk-sharing. Discussions with the Small Business Administration to discuss small business lending programs. Discussions with the Treasury on anti-money laundering and credit availability. Conversations with the Office of the Comptroller of the Currency (OCC) on appraisal issues, AMCs. Discussions with the Securities and Exchange Commission (SEC) on JOBS Act Rulemaking. Discussions with the Federal Reserve on appraisal issues, AMCs. Discussions with the Federal Deposit Insurance Corporation (FDIC) on appraisal issues, AMCs.
Issues related to data breach notification and data security. Cybersecurity issues. S 177 / HR 1770, Data Security and Breach Notification Act, all provisions. S 961, Data Security Act, all provisions. HR 2205, Data Security Act, all provisions. HR 3035, HR 4172, S 2355, Credit Access and Inclusion Act, all provisions. Issues related to next-generation credit score products. HR 2477, Financial Transparency Act, all provisions. Issues related to implementation of the Military Lending Act, PL 109-364, provisions relating to access to identification of service members and dependents.
Client expense: $380,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2016 · third_quarter · Consumer Issues/Safety/Products
CFPB Arbitration Rule CFPB Complaint Portal CFPB/Department of Education/U.S. Treasury Department - Reporting standards regarding government-administered student loans CFPB Criminal Records Practices CFPB - Issues regarding reporting of data to nationwide consumer reporting agencies NTIS - Death Master File Access and Final Rule Implementation IRS - Access to the IVES income verification data for mortgage lending SSA - Processing of SSA-89 Forms for mortgage lending H.R. 4127 - Credit Access and Inclusion Act - Issues at it pertains to the Fair Credit Reporting Act Military Lending Act Implementation Amendments filed by Senators Menendez and Tester relative to reauthorization of the National Defense Authorization Act Amendments filed by Senators Menendez and Tester relative to the Transportation, Housing and Urban Development Appropriation Bill Amendment filed by Senator Tester relative to Financial Services and Government Appropriation Bill Questions to CDIA members by Senator McCaskill as Ranking Member on the Senate Special Committee on Aging HR 5593 - Protecting Veterans Credit Act of 2016 H.R. 347, the Facilitating Access to Credit Act of 2015 - as it relates to amending the Credit Repair Organizations Act. H.R. 3035, the Credit Access and Inclusion Act of 2015 - as it relates to amending the Fair Credit Reporting Act. H.R. 4211, the Credit Score Competition Act of 2015 - as it relates to credit scores.
Client expense: $310,000 · Firm income: Not reported
2016 · third_quarter · Consumer Issues/Safety/Products
Internet, marketing, and data protection issues Issues pertaining to facilitating access to credit Potential privacy, data security, and breach notification legislation in House of Representatives and Senate S. 668 - Data Broker Accountability and Transparency Act of 2015 H.R. 4516 - Data Broker Accountability and Transparency Act H.R. 1770 - Data Security and Breach Notification Act of 2015 S. 177 - Data Security and Breach Notification Act H.R. 580 - Data Accountability and Trust Act S. 961 - Data Security Act of 2015 S. 1027 - Data Breach Notification and Punishing Cyber Criminals Act H.R. 1704 - Personal Data Notification and Protection Act S. 1158 - Consumer Privacy Protection Act H.R. 2977 - Consumer Privacy Protection Act H.R. 2205 - Data Security Act H.R. 4187 - Secure and Protect Americans Data Act H.R. 2092 - Student Digital Privacy and Parental Rights Act of 2015 S. 1322 - Protecting Student Privacy Act of 2015 S. 1341 - Student Privacy Protection Act H.R. 3157 - Student Privacy Protection Act S. 1563 - Do Not Track Kids Act of 2015 H.R. 2734 - Do Not Track Kids Act of 2015 S. 2404 - Do Not Track Act S. 423 - Privacy Notice Modernization Act H.R. 601 - Eliminate Privacy Notice Confusion Act H.R. 699 - Email Privacy Act of 2015 H.R. 283 - Electronic Communications Privacy Amendments Act of 2015 S. 356 - Electronic Communications Privacy Amendments Act of 2015 S. 547 - Commercial Privacy Bill of Rights H.R. 1053 - Commercial Privacy Bill of Rights S. 237 - Geolocation Privacy and Surveillance Act H.R. 491 - Geolocation Privacy and Surveillance Act H.R. 656 - Online Communications and Geolocation Protection Act S. 2270 - Location Privacy Protection Act of 2015 H.R. 4517 - Application Privacy, Protection, and Security (APPS) Act S. 754 - Cybersecurity Information Sharing Act (CISA) H.R. 2029 - Consolidated Appropriations Act (Cybersecurity Act of 2015) H.R. 347 - Facilitating Access to Credit Act of 2015 H.R. 3035 - The Credit Access and Inclusion Act S.2607 - DIGIT Act H.R. 5117 - DIGIT Act H.R. 5093 - TIME Act H.R. 5097 - STALL Act H.R. 5109 - CLEAR Act H.R. 5111 - Consumer Review Fairness Act of 2016 H.R. 5115 - SURE Act H.R. 5118 - SHIELD Act H.R. 5136 - RECS Act H.R. 5510 - FTC Process and Transparency Reform Act of 2016 H.R. 5058 - Free Credit Score Act of 2016 H.R. 5593 - Protecting Veterans Credit Act of 2016
2016 · third_quarter · Financial Institutions/Investments/Securities
"Credit Access and Inclusion Act of 2015" (H.R. 3035, H.R. 4172, and S. 2355). Credit Score Competition Act (H.R. 4211).
Client expense: Not reported · Firm income: $60,000
Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Natl Credit Union Administration (NCUA), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of
2016 · third_quarter · Financial Institutions/Investments/Securities
Legislative issues related to financial literacy tools and the Credit Repair Organizations Act, including H.R. 347 and other similar legislation. Potential legislative and regulatory issues pertaining to credit reporting and scoring, including H.R. 3035, H.R. 4211, H.R. 4172 and S.2355. Regulatory issues pertaining to continued commercial access to the Death Master File.
Client expense: $330,000 · Firm income: Not reported
Government targets: Commerce, Dept of (DOC), Consumer Financial Protection Bureau (CFPB), Federal Housing Finance Agency (FHFA), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Natl Technical Information Service, Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of
2016 · second_quarter · Banking
Bills in the Senate: S. 708 Regulatory Improvement Act S. 774 Financial Institutions Examination Fairness and Reform Act S. 1484 Financial Regulatory Improvement Act of 2015 S. 1491 Community Lender Regulatory Relief and Consumer Protection Act of 2015 S. 1607 the Independent Agency Regulatory Analysis Act of 2015 S. 1647 Developing a Reliable and Innovative Vision for the Economy Act S. 1773 Consumer Reporting Fairness Act of 2015 S. 1818 Principled Rulemaking Act S. 1820 Early Participation in Regulations Act S. 1817 Smarter Regulations Through Advance Planning and Review Act S. 1958 Christopher Bryski Student Loan Protection Act S. 2038 Jumpstart GSE reform Act S. 2050 Private Education Loan Refinancing Act S. 2387 Commerce, Justice, Science, and Related Agencies Appropriations Act, FY2017 Senate Appropriations on Financial Services and General Government appropriations bill FY2017 S. 2663 Reforming CFPB Indirect Auto Financing Guidance Act Bills in the House: H.R. 4 Jobs for America Act H.R. 37 Promoting Job Creation and Reducing Small Business Burdens Act H.R. 50 Unfunded Mandates Information and Transparency Act of 2015 H.R. 113 Federal Reserve Accountability and Transparency Act of 2015 H.R. 185 The Regulatory Accountability Act H.R. 347 Facilitating Access to Credit Act H.R. 367 Regulations from the Executive in Need of Scrutiny (REINS) Act H.R. 427 Regulations from the Executive in Need of Scrutiny Act of 2015 H.R. 527 Small Business Regulatory Flexibility Improvements Act of 2015 H.R. 650 Preserving Access to Manufactured Housing Act of 2015 H.R. 685 Mortgage Choice Act of 2015 H.R. 766 Financial Institution Customer Protection Act of 2015 H.R. 899 Unfunded Mandates Information and Transparency Act H.R. 957 CFPB IG act of 2015 H.R. 1090 Retail Investor Protection Act H.R. 1195 Bureau of Consumer Financial Protection Advisory Boards Act H.R. 1210 Portfolio Lending and Mortgage Access Act H.R. 1259 Helping Expand Lending Practices in Rural Communities Act H.R. 1261 Bureau of Consumer Financial Protection Accountability Act of 2015 H.R. 1265 Bureau Advisory Commission Transparency Act H.R. 1266 Financial Product Safety Commission Act of 2015 H.R. 1413 Firearms Manufacturers and Dealers Protection Act of 2015 H.R. 1493 Sunshine for Regulatory Decrees and Settlements Act H.R. 1529 the Community Institution Mortgage Relief Act H.R. 1553 Small Bank Exam Cycle Reform Act of 2015 H.R. 1660 Federal Saving Association Charter Flexibility Act of 2015 H.R. 1737 Reforming CFPB Indirect Auto Financing Guidance Act H.R. 1799 Ensure Fair Prices in Title Insurance Act H.R. 1941 Financial Institutions Examination Fairness and Reform Act H.R. 2213 To provide for a temporary safe harbor from the enforcement of integrated disclosure requirements for mortgage loan transactions under the Real Estate Settlement Procedures Act of 1974 and the Truth in Lending Act, and for other purposes. H.R. 2029 and related amendments Consolidated Appropriations Act of 2016 H.R. 2243 Equity in Government Compensation Act of 201 H.R. 2354 Streamlining Excessive and Costly Regulations Review Act H.R. 4294 -SAVERS Act of 2015 H.R. 2542 Regulatory Flexibility Improvements Act H.R. 2577 Transportation, Housing and Urban Development, and Related Agencies Appropriations Act, 2016 H.R. 2804 Achieving Less Excess in Regulation and Requiring Transparency (ALERRT) Act (H.R. 2804). H.R. 3035 Credit Access and Inclusion Act H.R. 3189 FORM Act of 2015 H.R. 3192 Homebuyers Assistance Act H.R. 3634 Student Loan Debt Protection Act H.R. 4018 Consumer Protection and Choice Act H.R. 4293 Affordable Retirement Advice Protection Act H.R. 4768 The Separation of Powers Restoration Act, 2016 H.R. 4986 End Operation Choke Point Act of 2014 H.R. 5485 The "Financial Services and General Government Appropriations Act, 2017 Fiscal Year 2016 spending bills for the Department of Justice (CJS) and the Department of Housing and Urban Development (THUD) Fiscal Year 2017 Commerce, Justice, Science Funding Bill Under Discussion: A bill to provide consumer protections for overdraft fees A bill to provide consumer protections in auto lending Amendments and riders to appropriations bills House Bill re: Non-profit CDFI Depository Bank Expansion House Bill, Chairman Hensarling discussion draft, The Financial Choice Act
2016 · second_quarter · Financial Institutions/Investments/Securities
Credit Availability S1484 - The Financial Regulatory Improvement Act of 2015 Fees and Points in the QM ATR Rules of Dodd-Frank HR685 - Mortgage Choice Act of 2015 Student Loan Debt HR970 - Supporting Academic Freedom through Regulatory Relief Act HR1131 - Fairness in Student Loan Lending Act HR1434 - Bank on Students Emergency Loan Refinancing Act HR3179 - Empowering Students Through Enhanced Financial Counseling Act HR3180 - Flexible Pell Grant for 21st Century Students Act HR4162 - Credit Access and Inclusion Act of 2015 HR4652 - CLEAR Act S85 - Repay Act of 2015 S108 - Financial Aid Simplification and Transparency Act of 2015 S729 - Fairness for Struggling Students Act of 2015 S793 - Bank on Students Emergency Loan Refinancing Act S840 - Student Loan Borrower Bill of Rights S1948 - AFFORD Act S2043 - Know Before You Owe Federal Student Loan Act of 2015 S2677 - In the Red Act of 2016 Credit Union Lending HR1188 - Credit Union Small Business Job Creations Act CFPB Reform HR1266 - Financial Product Safety Commission Act of 2015 S510 - CFPB-IG Act of 2015 Access to Manufactured Housing HR650 - Preserving Access to Manufactured Housing Act of 2015 S682 - Preserving Access to Manufactured Housing Act of 2015 GSE Reform HR22 - DRIVE Act HR1491 - Partnership to Strengthen Homeownership Act of 2015 HR2029 - Consolidated Appropriations Act, 2016 HR__ - Housing Finance Restructuring Act of 2016 HR__ - Moving Housing Forward Act S2038 - Jumpstart GSE Reform Act Guarantee Fees S752 - A bill to establish a scorekeeping rule to ensure that increases in guarantee fees of Fannie Mae and Freddie Mac shall not be used to offset provisions that increase the deficit. HConRes125 - Establishing the congressional budget for the United States Government for fiscal year 2017 and setting forth the appropriate budgetary levels for fiscal years 2018 through 2026. RESPA/TILA Amendments/TRID HR1113 - Portfolio Lending and Mortgage Access Act HR1210 - Portfolio Lending and Mortgage Access Act HR3192 - Homebuyers Assistance Act S1711 - A bill to provide for a temporary safe harbor from the enforcement of integrated disclosure requirements for mortgage loan transactions under the Real Estate Settlement Procedures Act of 1974 and the Truth in Lending Act, and for other purposes. Short Sales HR4812 - Prompt Notification of Short Sales Act Mortgage Servicing Assets HR2029 - Consolidated Appropriations Act, 2016 Alternative Credit Scoring HR3035 - Credit Access and Inclusion Act of 2015 HR4211 - Credit Score Competition Act of 2015 HR4893 - Risk Management and Homeowner Stability Act of 2016 S2355 - Credit Access and Inclusion Act of 2015 Service Members Foreclosure Relief S2393 - Foreclosure Relief and Extension for Servicemembers Act of 2015 Commercial Risk Retention Rules HR4620 - Preserving Access to CRE Capital Act of 2016 FHFA HR3808 - To require the withdrawal and study of the Federal Housing Finance Agency's proposed rule on Federal Home Loan Bank membership, and for other purposes. Financial Regulatory Reform HR1090 - Retail Investor Protection Act HR2642 - Community Lender Regulatory Relief and Consumer Protection Act of 2015 S1484 - Financial Regulatory Improvement Act of 2015 S1491 - Community Lender Regulatory Relief and Consumer Protection Act of 2015 HR__ - The Financial Choice Act Credit Reporting HR347 - The Facilitating Access to Credit Act HR5282 - The Comprehensive Consumer Credit Reporting Act of 2016 Federal Home Loan Bank HR__ - To amend the Federal Home Loan Bank Act to clarify the definition of an insurance company and to provide Federal Home Loan Bank membership standards for certain captive insurance companies Alternative Lending Sources HR4854 - Supporting America's Innovators Act of 2016 HR4855 - Fix Crowdfunding Act Zombie Foreclosures S__ - Preserving Abandoned Foreclosures and Preserving Communities Act of 2016 Conversations with the Consumer Finance Protection Bureau (CFPB) on TRID/Know Before You Owe and credit reporting. Discussions with the Federal Housing Finance Agency (FHFA) on "Duty to Serve" and g-fees. Discussions with the Small Business Administration to discuss small business lending programs. Discussions with the Treasury on anti-money laundering and appraisal management companies (AMCs). Conversations with the Office of the Comptroller of the Currency (OCC) on banking regulations.
2016 · second_quarter · Government Issues
Medical debt and credit scores. Medical Debt Relief Act - H.R. 2362, S 2592. Credit Repair Organizations Act - H.R. 347. Alternative scores for Fannie Mae and Freddie Mac - Credit Score Competition Act H.R. 4211. CFPB's Consumer complaint database - H.R. 5413, H.R. 5491. Data Security and Breach Notification - H.R.699, H.R. 4715, S 2659. Data Broker Accuracy of Collected Personal Information - H.R. 4516, H.R. 4517. Data Encryption. Military Lending Act and Department of Defense- Employment, Income and Status. Improper Payments Coordination Act of 2015 - Do Not Pay Initiative - S 1073. Fraud Reduction and Data Analytics Act - S. 1233. CFPB - "Credit Invisibles" and the "unscoreable" - Consumers with a lack of credit history. CFPB - Use of arbitration agreements involving consumer financial products and services. CFPB - Short-term, small dollar lending. FIX Credit Reporting Errors Act - S. 1234. Stop Errors in Credit Use Reporting Act - S.1847. Alternative Credit Data - Telecom, utilities reporting consumer payment information to national credit bureaus. H.R. 3035. Credit Access and Inclusion. Housing Opportunity Through Modernization Act - H.R. 3700. Equal Employment for All Act - Use of consumer credit for employment decisions. FCC Lifeline Program - H.R. 4884. Access to Credit Scores - H.R. 5010, H.R. 5058. Protecting Veterans Credit - H.R. 5593.
Client expense: $280,000 · Firm income: Not reported
2016 · second_quarter · Consumer Issues/Safety/Products
Internet, marketing, and data protection issues Issues pertaining to facilitating access to credit Potential privacy, data security, and breach notification legislation in House of Representatives and Senate S. 668 - Data Broker Accountability and Transparency Act of 2015 H.R. 4516 - Data Broker Accountability and Transparency Act H.R. 1770 - Data Security and Breach Notification Act of 2015 S. 177 - Data Security and Breach Notification Act H.R. 580 - Data Accountability and Trust Act S. 961 - Data Security Act of 2015 S. 1027 - Data Breach Notification and Punishing Cyber Criminals Act H.R. 1704 - Personal Data Notification and Protection Act S. 1158 - Consumer Privacy Protection Act H.R. 2977 - Consumer Privacy Protection Act H.R. 2205 - Data Security Act H.R. 4187 - Secure and Protect Americans Data Act H.R. 2092 - Student Digital Privacy and Parental Rights Act of 2015 S. 1322 - Protecting Student Privacy Act of 2015 S. 1341 - Student Privacy Protection Act H.R. 3157 - Student Privacy Protection Act S. 1563 - Do Not Track Kids Act of 2015 H.R. 2734 - Do Not Track Kids Act of 2015 S. 2404 - Do Not Track Act S. 423 - Privacy Notice Modernization Act H.R. 601 - Eliminate Privacy Notice Confusion Act H.R. 699 - Email Privacy Act of 2015 H.R. 283 - Electronic Communications Privacy Amendments Act of 2015 S. 356 - Electronic Communications Privacy Amendments Act of 2015 S. 547 - Commercial Privacy Bill of Rights H.R. 1053 - Commercial Privacy Bill of Rights S. 237 - Geolocation Privacy and Surveillance Act H.R. 491 - Geolocation Privacy and Surveillance Act H.R. 656 - Online Communications and Geolocation Protection Act S. 2270 - Location Privacy Protection Act of 2015 H.R. 4517 - Application Privacy, Protection, and Security (APPS) Act S. 754 - Cybersecurity Information Sharing Act (CISA) H.R. 2029 - Consolidated Appropriations Act (Cybersecurity Act of 2015) H.R. 347 - Facilitating Access to Credit Act of 2015 H.R. 3035 - The Credit Access and Inclusion Act S.2607 - DIGIT Act H.R. 5117 - DIGIT Act H.R. 5093 - TIME Act H.R. 5097 - STALL Act H.R. 5109 - CLEAR Act H.R. 5111 - Consumer Review Fairness Act of 2016 H.R. 5115 - SURE Act H.R. 5118 - SHIELD Act H.R. 5136 - RECS Act H.R. 5510 - FTC Process and Transparency Reform Act of 2016 H.R. 5058 - Free Credit Score Act of 2016 H.R. 5593 - Protecting Veterans Credit Act of 2016
2016 · second_quarter · Financial Institutions/Investments/Securities
"Credit Access and Inclusion Act of 2015" (H.R. 3035, H.R. 4172, and S. 2355). Credit Score Competition Act (H.R. 4211).
Client expense: Not reported · Firm income: $60,000
Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Natl Credit Union Administration (NCUA), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of
Issues related to data breach notification and data security. Cybersecurity issues. S 177 / HR 1770, Data Security and Breach Notification Act, all provisions. S 961, Data Security Act, all provisions. HR 2205, Data Security Act, all provisions. HR 3035, HR 4172, S 2355, Credit Access and Inclusion Act, all provisions. Issues related to next-generation credit score products. HR 5282, Comprehensive Consumer Credit Reporting Reform Act, all provisions. HR 2477, Financial Transparency Act, all provisions. Issues related to implementation of the Military Lending Act, PL 109-364, provisions relating to access to identification of service members and dependents.
Client expense: $400,000 · Firm income: Not reported
Government targets: Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, SENATE
2016 · second_quarter · Financial Institutions/Investments/Securities
Legislative issues related to financial literacy tools and the Credit Repair Organizations Act, including H.R. 347 and other similar legislation. Potential legislative and regulatory issues pertaining to credit reporting and scoring, including H.R. 3035, H.R. 4211, H.R. 4172 and S.2355. Regulatory issues pertaining to continued commercial access to the Death Master File.
Client expense: $300,000 · Firm income: Not reported
Government targets: Commerce, Dept of (DOC), Consumer Financial Protection Bureau (CFPB), Federal Housing Finance Agency (FHFA), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Natl Technical Information Service, Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of
2016 · first_quarter · Banking
Bills in the Senate: S. 708 Regulatory Improvement Act S. 774 Financial Institutions Examination Fairness and Reform Act S. 1484 Financial Regulatory Improvement Act of 2015 S. 1491 Community Lender Regulatory Relief and Consumer Protection Act of 2015 S. 1607 the Independent Agency Regulatory Analysis Act of 2015 S. 1647 Developing a Reliable and Innovative Vision for the Economy Act S. 1773 Consumer Reporting Fairness Act of 2015 S. 1818 Principled Rulemaking Act S. 1820 Early Participation in Regulations Act S. 1817 Smarter Regulations Through Advance Planning and Review Act S. 1958 Christopher Bryski Student Loan Protection Act S. 2038 Jumpstart GSE reform Act S. 2050 Private Education Loan Refinancing Act S. 2663 Reforming CFPB Indirect Auto Financing Guidance Act Bills in the House: H.R. 4 Jobs for America Act H.R. 37 Promoting Job Creation and Reducing Small Business Burdens Act H.R. 50 Unfunded Mandates Information and Transparency Act of 2015 H.R. 113 Federal Reserve Accountability and Transparency Act of 2015 H.R. 185 The Regulatory Accountability Act H.R. 347 Facilitating Access to Credit Act H.R. 367 Regulations from the Executive in Need of Scrutiny (REINS) Act H.R. 427 Regulations from the Executive in Need of Scrutiny Act of 2015 H.R. 527 Small Business Regulatory Flexibility Improvements Act of 2015 H.R. 650 Preserving Access to Manufactured Housing Act of 2015 H.R. 685 Mortgage Choice Act of 2015 H.R. 766 Financial Institution Customer Protection Act of 2015 H.R. 899 Unfunded Mandates Information and Transparency Act H.R. 957 CFPB IG act of 2015 H.R. 1090 Retail Investor Protection Act H.R. 1195 Bureau of Consumer Financial Protection Advisory Boards Act H.R. 1210 Portfolio Lending and Mortgage Access Act H.R. 1259 Helping Expand Lending Practices in Rural Communities Act H.R. 1261 Bureau of Consumer Financial Protection Accountability Act of 2015 H.R. 1265 Bureau Advisory Commission Transparency Act H.R. 1266 Financial Product Safety Commission Act of 2015 H.R. 1413 Firearms Manufacturers and Dealers Protection Act of 2015 H.R. 1493 Sunshine for Regulatory Decrees and Settlements Act H.R. 1529 the Community Institution Mortgage Relief Act H.R. 1553 Small Bank Exam Cycle Reform Act of 2015 H.R. 1660 Federal Saving Association Charter Flexibility Act of 2015 H.R. 1737 Reforming CFPB Indirect Auto Financing Guidance Act H.R. 1799 Ensure Fair Prices in Title Insurance Act H.R. 1941 Financial Institutions Examination Fairness and Reform Act H.R. 2213 To provide for a temporary safe harbor from the enforcement of integrated disclosure requirements for mortgage loan transactions under the Real Estate Settlement Procedures Act of 1974 and the Truth in Lending Act, and for other purposes. H.R. 2029 and related amendments Consolidated Appropriations Act of 2016 H.R. 2243 Equity in Government Compensation Act of 201 H.R. 2354 Streamlining Excessive and Costly Regulations Review Act H.R. 4294 -SAVERS Act of 2015 H.R. 2542 Regulatory Flexibility Improvements Act H.R. 2577 Transportation, Housing and Urban Development, and Related Agencies Appropriations Act, 2016 H.R. 2804 Achieving Less Excess in Regulation and Requiring Transparency (ALERRT) Act (H.R. 2804). H.R. 3035 Credit Access and Inclusion Act H.R. 3189 FORM Act of 2015 H.R. 3192 Homebuyers Assistance Act H.R. 3634 Student Loan Debt Protection Act H.R. 4018 Consumer Protection and Choice Act H.R. 4293 Affordable Retirement Advice Protection Act H.R. 4986 End Operation Choke Point Act of 2014 Fiscal Year 2016 spending bills for the Department of Justice (CJS) and the Department of Housing and Urban Development (THUD) Under Discussion: A bill to provide consumer protections for overdraft fees A bill to provide consumer protections in auto lending Amendments and riders to appropriations bills
2016 · first_quarter · Government Issues
Medical debt and credit scores. Medical Debt Relief Act - H.R. 2362, S 2592. Credit Repair Organizations Act - H.R. 347. Cybersecurity / Data security. Information sharing between public and private sectors - H.R. 4350. Alternative scores for Fannie Mae and Freddie Mac - Credit Score Competition Act H.R. 4211. CFPB's Consumer complaint database. Data Security and Breach Notification - H.R.699, H.R. 4715, H.R. 4516. Data Broker Accuracy of Collected Personal Information - H.R. 4516, H.R. 4517. Data Encryption. Military Lending Act and Department of Defense- Employment, Income and Status. Child Support Assistance Act - Child Support Enforcement Guidance - H.R. 22. Improper Payments Coordination Act of 2015 - Do Not Pay Initiative. Fraud Reduction and Data Analytics Act - S. 1233, H.R. 4180. CFPB - "Credit Invisibles" and the "unscoreable" - Consumers with a lack of credit history. CFPB - Use of arbitration agreements involving consumer financial products and services. CFPB - Short-term, small dollar lending. FIX Credit Reporting Errors Act - S. 1234. Stop Errors in Credit Use Reporting Act - S.1847. Alternative Credit Data - Telecom, utilities reporting consumer payment information to national credit bureaus. H.R. 3035. Credit Access and Inclusion. Housing Opportunity Through Modernization Act - H.R. 3700. Equal Employment for All Act - Use of consumer credit for employment decisions. Judicial Redress Act - EU Safe Harbor - H.R. 1428. FCC Lifeline Program - H.R. 4884.
Client expense: $290,000 · Firm income: Not reported
2016 · first_quarter · Financial Institutions/Investments/Securities
Credit Availability S1484 - The Financial Regulatory Improvement Act of 2015 Fees and Points in the QM ATR Rules of Dodd-Frank HR685 - Mortgage Choice Act of 2015 Student Loan Debt HR970 - Supporting Academic Freedom through Regulatory Relief Act HR1131 - Fairness in Student Loan Lending Act HR1434 - Bank on Students Emergency Loan Refinancing Act HR3179 - Empowering Students Through Enhanced Financial Counseling Act HR3180 - Flexible Pell Grant for 21st Century Students Act HR4652 - CLEAR Act S85 - Repay Act of 2015 S108 - Financial Aid Simplification and Transparency Act of 2015 S729 - Fairness for Struggling Students Act of 2015 S793 - Bank on Students Emergency Loan Refinancing Act S840 - Student Loan Borrower Bill of Rights S1948 - AFFORD Act S2043 - Know Before You Owe Federal Student Loan Act of 2015 S2677 - In the Red Act of 2016 Credit Union Lending HR1188 - Credit Union Small Business Job Creations Act CFPB Reform HR1266 - Financial Product Safety Commission Act of 2015 S510 - CFPB-IG Act of 2015 Access to Manufactured Housing HR650 - Preserving Access to Manufactured Housing Act of 2015 S682 - Preserving Access to Manufactured Housing Act of 2015 GSE Reform HR22 - DRIVE Act HR1491 - Partnership to Strengthen Homeownership Act of 2015 HR2029 - Consolidated Appropriations Act, 2016 HR__ - Housing Finance Restructuring Act of 2016 HR__ - Moving Housing Forward Act S2038 - Jumpstart GSE Reform Act Guarantee Fees S752 - A bill to establish a scorekeeping rule to ensure that increases in guarantee fees of Fannie Mae and Freddie Mac shall not be used to offset provisions that increase the deficit. HConRes125 - Establishing the congressional budget for the United States Government for fiscal year 2017 and setting forth the appropriate budgetary levels for fiscal years 2018 through 2026. RESPA/TILA Amendments/TRID HR1113 - Portfolio Lending and Mortgage Access Act HR1210 - Portfolio Lending and Mortgage Access Act HR3192 - Homebuyers Assistance Act S1711 - A bill to provide for a temporary safe harbor from the enforcement of integrated disclosure requirements for mortgage loan transactions under the Real Estate Settlement Procedures Act of 1974 and the Truth in Lending Act, and for other purposes. Short Sales HR4812 - Prompt Notification of Short Sales Act Mortgage Servicing Assets HR2029 - Consolidated Appropriations Act, 2016 Alternative Credit Scoring HR3035 - Credit Access and Inclusion Act of 2015 HR4211 - Credit Score Competition Act of 2015 HR4893 - Risk Management and Homeowner Stability Act of 2016 S2355 - Credit Access and Inclusion Act of 2015 Service Members Foreclosure Relief S2393 - Foreclosure Relief and Extension for Servicemembers Act of 2015 Commercial Risk Retention Rules HR4620 - Preserving Access to CRE Capital Act of 2016 FHFA HR3808 - To require the withdrawal and study of the Federal Housing Finance Agency's proposed rule on Federal Home Loan Bank membership, and for other purposes. Financial Regulatory Reform HR1090 - Retail Investor Protection Act HR2642 - Community Lender Regulatory Relief and Consumer Protection Act of 2015 S1484 - Financial Regulatory Improvement Act of 2015 S1491 - Community Lender Regulatory Relief and Consumer Protection Act of 2015 Conversations with the Consumer Finance Protection Bureau (CFPB) on TRID/Know Before You Owe. Discussions with the Federal Housing Finance Agency (FHFA) on TRID and "Duty to Serve." Discussions with the Small Business Administration to discuss small business lending programs. Discussions with the Treasury on anti-money laundering. Conversations with the Office of the Comptroller of the Currency (OCC) on Commercial lending practices. Conversations with the Securities and Exchange Commission (SEC) on crowdfunding rules.
Issues related to data breach notification and data security. Cybersecurity issues. S 177 / HR 1770, Data Security and Breach Notification Act, all provisions. S 961, Data Security Act, all provisions. S 1158, Consumer Privacy Protection Act, all provisions. HR 2205, Data Security Act, all provisions. HR 1428 / S 1600, Judicial Redress Act, all provisions. HR 3035, HR 4172, S 2355, Credit Access and Inclusion Act, all provisions. Issues related to next-generation credit score products.
Client expense: $460,000 · Firm income: Not reported
Government targets: Commerce, Dept of (DOC), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, SENATE
2016 · first_quarter · Financial Institutions/Investments/Securities
"Credit Access and Inclusion Act of 2015" (H.R. 3035, H.R. 4172, and S. 2355). Credit Score Competition Act (H.R. 4211).
Client expense: Not reported · Firm income: $60,000
Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Natl Credit Union Administration (NCUA), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of
2016 · first_quarter · Consumer Issues/Safety/Products
Internet, marketing, and data protection issues Issues pertaining to facilitating access to credit Potential privacy, data security, and breach notification legislation in House of Representatives and Senate S. 668 - Data Broker Accountability and Transparency Act of 2015 H.R. 4516 - Data Broker Accountability and Transparency Act H.R. 1770 - Data Security and Breach Notification Act of 2015 S. 177 - Data Security and Breach Notification Act H.R. 580 - Data Accountability and Trust Act S. 961 - Data Security Act of 2015 S. 1027 - Data Breach Notification and Punishing Cyber Criminals Act H.R. 1704 - Personal Data Notification and Protection Act S. 1158 - Consumer Privacy Protection Act H.R. 2977 - Consumer Privacy Protection Act H.R. 2205 - Data Security Act H.R. 4187 - Secure and Protect Americans Data Act H.R. 2092 - Student Digital Privacy and Parental Rights Act of 2015 S. 1322 - Protecting Student Privacy Act of 2015 S. 1341 - Student Privacy Protection Act H.R. 3157 - Student Privacy Protection Act S. 1563 - Do Not Track Kids Act of 2015 H.R. 2734 - Do Not Track Kids Act of 2015 S. 2404 - Do Not Track Act S. 423 - Privacy Notice Modernization Act H.R. 601 - Eliminate Privacy Notice Confusion Act H.R. 699 - Email Privacy Act of 2015 H.R. 283 - Electronic Communications Privacy Amendments Act of 2015 S. 356 - Electronic Communications Privacy Amendments Act of 2015 S. 547 - Commercial Privacy Bill of Rights H.R. 1053 - Commercial Privacy Bill of Rights S. 237 - Geolocation Privacy and Surveillance Act H.R. 491 - Geolocation Privacy and Surveillance Act H.R. 656 - Online Communications and Geolocation Protection Act S. 2270 - Location Privacy Protection Act of 2015 H.R. 4517 - Application Privacy, Protection, and Security (APPS) Act S. 754 - Cybersecurity Information Sharing Act (CISA) H.R. 2029 - Consolidated Appropriations Act (Cybersecurity Act of 2015) H.R. 347 - Facilitating Access to Credit Act of 2015 H.R. 3035 - The Credit Access and Inclusion Act
2016 · first_quarter · Financial Institutions/Investments/Securities
Legislative issues related to financial literacy tools and the Credit Repair Organizations Act, including H.R. 347 and other similar legislation. Potential legislative and regulatory issues pertaining to credit reporting and scoring, including H.R. 3035, H.R. 4211, H.R. 4172 and S.2355. Regulatory issues pertaining to continued commercial access to the Death Master File.
Client expense: $290,000 · Firm income: Not reported
Government targets: Commerce, Dept of (DOC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Natl Technical Information Service, Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of
2015 · fourth_quarter · Consumer Issues/Safety/Products
Internet, marketing, and data protection issues Issues pertaining to facilitating access to credit Potential privacy, data security, and breach notification legislation in House of Representatives and Senate S. 668 - Data Broker Accountability and Transparency Act of 2015 H.R. 1770 - Data Security and Breach Notification Act of 2015 S. 177 - Data Security and Breach Notification Act H.R. 580 - Data Accountability and Trust Act S. 961 - Data Security Act of 2015 S. 1027 - Data Breach Notification and Punishing Cyber Criminals Act H.R. 1704 - Personal Data Notification and Protection Act S. 1158 - Consumer Privacy Protection Act H.R. 2977 - Consumer Privacy Protection Act H.R. 2205 - Data Security Act H.R. 4187 - Secure and Protect Americans Data Act H.R. 2092 - Student Digital Privacy and Parental Rights Act of 2015 S. 1322 - Protecting Student Privacy Act of 2015 S. 1341 - Student Privacy Protection Act H.R. 3157 - Student Privacy Protection Act S. 1563 - Do Not Track Kids Act of 2015 H.R. 2734 - Do Not Track Kids Act of 2015 S. 2404 - Do Not Track Act S. 423 - Privacy Notice Modernization Act H.R. 601 - Eliminate Privacy Notice Confusion Act H.R. 699 - Email Privacy Act of 2015 H.R. 283 - Electronic Communications Privacy Amendments Act of 2015 S. 356 - Electronic Communications Privacy Amendments Act of 2015 S. 547 - Commercial Privacy Bill of Rights H.R. 1053 - Commercial Privacy Bill of Rights S. 237 - Geolocation Privacy and Surveillance Act H.R. 491 - Geolocation Privacy and Surveillance Act H.R. 656 - Online Communications and Geolocation Protection Act S. 2270 - Location Privacy Protection Act of 2015 S. 754 - Cybersecurity Information Sharing Act (CISA) H.R. 2029 - Consolidated Appropriations Act (Cybersecurity Act of 2015) H.R. 347 - Facilitating Access to Credit Act of 2015 H.R. 3035 - The Credit Access and Inclusion Act
2015 · fourth_quarter · Banking
(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.
2015 · third_quarter · Banking
(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
2015 · fourth_quarter · Banking
Bills in the Senate: S. 708 Regulatory Improvement Act S. 774 Financial Institutions Examination Fairness and Reform Act S. 1484 Financial Regulatory Improvement Act of 2015 S. 1491 Community Lender Regulatory Relief and Consumer Protection Act of 2015 S. 1607 the Independent Agency Regulatory Analysis Act of 2015 S. 1647 Developing a Reliable and Innovative Vision for the Economy Act S. 1773 Consumer Reporting Fairness Act of 2015 S. 1818 Principled Rulemaking Act S. 1820 Early Participation in Regulations Act S. 1817 Smarter Regulations Through Advance Planning and Review Act S. 1958 Christopher Bryski Student Loan Protection Act S. 2038 Jumpstart GSE reform Act S. 2050 Private Education Loan Refinancing Act Bills in the House: H.R. 4 Jobs for America Act H.R. 37 Promoting Job Creation and Reducing Small Business Burdens Act H.R. 50 Unfunded Mandates Information and Transparency Act of 2015 H.R. 113 Federal Reserve Accountability and Transparency Act of 2015 H.R. 185 The Regulatory Accountability Act H.R. 347 Facilitating Access to Credit Act H.R. 367 Regulations from the Executive in Need of Scrutiny (REINS) Act H.R. 427 Regulations from the Executive in Need of Scrutiny Act of 2015 H.R. 527 Small Business Regulatory Flexibility Improvements Act of 2015 H.R. 650 Preserving Access to Manufactured Housing Act of 2015 H.R. 685 Mortgage Choice Act of 2015 H.R. 766 Financial Institution Customer Protection Act of 2015 H.R. 899 Unfunded Mandates Information and Transparency Act H.R. 957 CFPB IG act of 2015 H.R. 1090 Retail Investor Protection Act H.R. 1195 Bureau of Consumer Financial Protection Advisory Boards Act H.R. 1210 Portfolio Lending and Mortgage Access Act H.R. 1259 Helping Expand Lending Practices in Rural Communities Act H.R. 1265 Bureau Advisory Commission Transparency Act H.R. 1266 Financial Product Safety Commission Act of 2015 H.R. 1413 Firearms Manufacturers and Dealers Protection Act of 2015 H.R. 1493 Sunshine for Regulatory Decrees and Settlements Act H.R. 1529 the Community Institution Mortgage Relief Act H.R. 1553 Small Bank Exam Cycle Reform Act of 2015 H.R. 1660 Federal Saving Association Charter Flexibility Act of 2015 H.R. 1737 Reforming CFPB Indirect Auto Financing Guidance Act H.R. 1799 Ensure Fair Prices in Title Insurance Act H.R. 1941 Financial Institutions Examination Fairness and Reform Act H.R. 2213 To provide for a temporary safe harbor from the enforcement of integrated disclosure requirements for mortgage loan transactions under the Real Estate Settlement Procedures Act of 1974 and the Truth in Lending Act, and for other purposes. H.R. 2029 and related amendments Consolidated Appropriations Act of 2016 H.R. 2243 Equity in Government Compensation Act of 201 H.R. 2354 Streamlining Excessive and Costly Regulations Review Act H.R. 4294 -SAVERS Act of 2015 H.R. 2542 Regulatory Flexibility Improvements Act H.R. 2577 Transportation, Housing and Urban Development, and Related Agencies Appropriations Act, 2016 H.R. 2804 Achieving Less Excess in Regulation and Requiring Transparency (ALERRT) Act (H.R. 2804). H.R. 3035 Credit Access and Inclusion Act H.R. 3189 FORM Act of 2015 H.R. 3192 Homebuyers Assistance Act H.R. 3634 Student Loan Debt Protection Act H.R. 4018 Consumer Protection and Choice Act H.R. 4293 Affordable Retirement Advice Protection Act H.R. 4986 End Operation Choke Point Act of 2014 Fiscal Year 2016 spending bills for the Department of Justice (CJS) and the Department of Housing and Urban Development (THUD) Under Discussion: A bill to provide consumer protections for overdraft fees A bill to provide consumer protections in auto lending Amendments and riders to appropriations bills
2015 · fourth_quarter · Banking
(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.
2015 · fourth_quarter · Banking
Bills in the Senate: S. 708 Regulatory Improvement Act S. 774 Financial Institutions Examination Fairness and Reform Act S. 1484 Financial Regulatory Improvement Act of 2015 S. 1491 Community Lender Regulatory Relief and Consumer Protection Act of 2015 S. 1607 the Independent Agency Regulatory Analysis Act of 2015 S. 1647 Developing a Reliable and Innovative Vision for the Economy Act S. 1773 Consumer Reporting Fairness Act of 2015 S. 1818 Principled Rulemaking Act S. 1820 Early Participation in Regulations Act S. 1817 Smarter Regulations Through Advance Planning and Review Act S. 1958 Christopher Bryski Student Loan Protection Act S. 2038 Jumpstart GSE reform Act S. 2050 Private Education Loan Refinancing Act Bills in the House: H.R. 4 Jobs for America Act H.R. 37 Promoting Job Creation and Reducing Small Business Burdens Act H.R. 50 Unfunded Mandates Information and Transparency Act of 2015 H.R. 113 Federal Reserve Accountability and Transparency Act of 2015 H.R. 185 The Regulatory Accountability Act H.R. 347 Facilitating Access to Credit Act H.R. 367 Regulations from the Executive in Need of Scrutiny (REINS) Act H.R. 427 Regulations from the Executive in Need of Scrutiny Act of 2015 H.R. 527 Small Business Regulatory Flexibility Improvements Act of 2015 H.R. 650 Preserving Access to Manufactured Housing Act of 2015 H.R. 685 Mortgage Choice Act of 2015 H.R. 766 Financial Institution Customer Protection Act of 2015 H.R. 899 Unfunded Mandates Information and Transparency Act H.R. 957 CFPB IG act of 2015 H.R. 1090 Retail Investor Protection Act H.R. 1195 Bureau of Consumer Financial Protection Advisory Boards Act H.R. 1210 Portfolio Lending and Mortgage Access Act H.R. 1259 Helping Expand Lending Practices in Rural Communities Act H.R. 1265 Bureau Advisory Commission Transparency Act H.R. 1266 Financial Product Safety Commission Act of 2015 H.R. 1413 Firearms Manufacturers and Dealers Protection Act of 2015 H.R. 1493 Sunshine for Regulatory Decrees and Settlements Act H.R. 1529 the Community Institution Mortgage Relief Act H.R. 1553 Small Bank Exam Cycle Reform Act of 2015 H.R. 1660 Federal Saving Association Charter Flexibility Act of 2015 H.R. 1737 Reforming CFPB Indirect Auto Financing Guidance Act H.R. 1799 Ensure Fair Prices in Title Insurance Act H.R. 1941 Financial Institutions Examination Fairness and Reform Act H.R. 2213 To provide for a temporary safe harbor from the enforcement of integrated disclosure requirements for mortgage loan transactions under the Real Estate Settlement Procedures Act of 1974 and the Truth in Lending Act, and for other purposes. H.R. 2029 and related amendments Consolidated Appropriations Act of 2016 H.R. 2243 Equity in Government Compensation Act of 201 H.R. 2354 Streamlining Excessive and Costly Regulations Review Act H.R. 4294 -SAVERS Act of 2015 H.R. 2542 Regulatory Flexibility Improvements Act H.R. 2577 Transportation, Housing and Urban Development, and Related Agencies Appropriations Act, 2016 H.R. 2804 Achieving Less Excess in Regulation and Requiring Transparency (ALERRT) Act (H.R. 2804). H.R. 3035 Credit Access and Inclusion Act H.R. 3189 FORM Act of 2015 H.R. 3192 Homebuyers Assistance Act H.R. 3634 Student Loan Debt Protection Act H.R. 4018 Consumer Protection and Choice Act H.R. 4293 Affordable Retirement Advice Protection Act H.R. 4986 End Operation Choke Point Act of 2014 Fiscal Year 2016 spending bills for the Department of Justice (CJS) and the Department of Housing and Urban Development (THUD) Under Discussion: A bill to provide consumer protections for overdraft fees A bill to provide consumer protections in auto lending Amendments and riders to appropriations bills
2015 · fourth_quarter · Government Issues
Medical debt and credit scores. Medical Debt Relief Act - H.R. 2362. Credit Repair Organizations Act - H.R. 347. Cybersecurity / Data security. Information sharing between public and private sectors - S 754, US 80 FR 59581. Alternative scores for Fannie Mae and Freddie Mac - Credit Score Competition Act H.R.4211. CFPB's Consumer complaint database proposed regulation US 80 FR 26233. Data Security and Breach Notification - H.R.2977, S.1828, H.R. 2205, H.R. 3869. Military Personnel - Lending and Credit - H.R. 1735, H.R. 2979, S.1565. Military Lending Act - Employment, Income, Status - H.R. 2977, S.1828. Consumer Privacy Bill of Rights Act - White House Draft. Child Support Assistance Act of 2015 - Child Support Enforcement - H.R. 2091. Improper Payments Coordination Act of 2015 - Do Not Pay Initiative - S.614, H.R.2320. CFPB - "Credit Invisibles" and the "unscoreable" - Consumers with a lack of credit history. CFPB - Use of arbitration agreements involving consumer financial products and services. FIX Credit Reporting Errors Act - S. 1234. Stop Errors in Credit Use Reporting Act - S.1847. Alternative Credit Data - Telecom, utilities reporting consumer payment information to national credit bureaus. H.R. 3035. Child Support Assistance Act - Use of consumer reports in child support enforcement. H.R. 2091, S 2077. Student Loan Servicing, Credit Access and Inclusion Act - H.R.3035. Consumer Reporting Fairness Act - S. 1773. Equal Employment for All Act - Use of consumer credit for employment decisions - H.R.3524, H.R. 3303, S 1981. Re-verification of Consumer's supplemental security income verification - H.R. 1314. Judicial Redress Act - EU Safe Harbor - H.R. 1428.
Client expense: $270,000 · Firm income: Not reported
2015 · fourth_quarter · Financial Institutions/Investments/Securities
Legislative issues related to financial literacy tools and the Credit Repair Organizations Act, including H.R. 347 and other similar legislation. Potential legislative and regulatory issues pertaining to credit reporting and scoring, including H.R. 3035, H.R. 4211, H.R. 4172 and S.2355. Regulatory issues pertaining to continued commercial access to the Death Master File.
Client expense: $280,000 · Firm income: Not reported
Government targets: Commerce, Dept of (DOC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Natl Technical Information Service, Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of
2015 · fourth_quarter · Financial Institutions/Investments/Securities
"Credit Access and Inclusion Act of 2015" (H.R. 3035, H.R. 4172, and S. 2355). Credit Score Competition Act (H.R. 4211).
Client expense: Not reported · Firm income: $70,000
Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Natl Credit Union Administration (NCUA), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of
2015 · fourth_quarter · Consumer Issues/Safety/Products
Internet, marketing, and data protection issues Issues pertaining to facilitating access to credit Potential privacy, data security, and breach notification legislation in House of Representatives and Senate S. 668 - Data Broker Accountability and Transparency Act of 2015 H.R. 1770 - Data Security and Breach Notification Act of 2015 S. 177 - Data Security and Breach Notification Act H.R. 580 - Data Accountability and Trust Act S. 961 - Data Security Act of 2015 S. 1027 - Data Breach Notification and Punishing Cyber Criminals Act H.R. 1704 - Personal Data Notification and Protection Act S. 1158 - Consumer Privacy Protection Act H.R. 2977 - Consumer Privacy Protection Act H.R. 2205 - Data Security Act H.R. 4187 - Secure and Protect Americans Data Act H.R. 2092 - Student Digital Privacy and Parental Rights Act of 2015 S. 1322 - Protecting Student Privacy Act of 2015 S. 1341 - Student Privacy Protection Act H.R. 3157 - Student Privacy Protection Act S. 1563 - Do Not Track Kids Act of 2015 H.R. 2734 - Do Not Track Kids Act of 2015 S. 2404 - Do Not Track Act S. 423 - Privacy Notice Modernization Act H.R. 601 - Eliminate Privacy Notice Confusion Act H.R. 699 - Email Privacy Act of 2015 H.R. 283 - Electronic Communications Privacy Amendments Act of 2015 S. 356 - Electronic Communications Privacy Amendments Act of 2015 S. 547 - Commercial Privacy Bill of Rights H.R. 1053 - Commercial Privacy Bill of Rights S. 237 - Geolocation Privacy and Surveillance Act H.R. 491 - Geolocation Privacy and Surveillance Act H.R. 656 - Online Communications and Geolocation Protection Act S. 2270 - Location Privacy Protection Act of 2015 S. 754 - Cybersecurity Information Sharing Act (CISA) H.R. 2029 - Consolidated Appropriations Act (Cybersecurity Act of 2015) H.R. 347 - Facilitating Access to Credit Act of 2015 H.R. 3035 - The Credit Access and Inclusion Act
2015 · third_quarter · Banking
Bills in the Senate: S. 708, Regulatory Improvement Act S. 774 Financial Institutions Examination Fairness and Reform Act S. 1484 Financial Regulatory Improvement Act of 2015 S. 1491 Community Lender Regulatory Relief and Consumer Protection Act of 2015 S. 1607, the Independent Agency Regulatory Analysis Act of 2015 S. 1647 Developing a Reliable and Innovative Vision for the Economy Act S. 1773 Consumer Reporting Fairness Act of 2015 S. 1818 Principled Rulemaking Act S. 1820 Early Participation in Regulations Act S. 1817 Smarter Regulations Through Advance Planning and Review Act S. 1958 Christopher Bryski Student Loan Protection Act S. 2050 Private Education Loan Refinancing Act Bills in the House: H.R. 4 Jobs for America Act H.R. 37 Promoting Job Creation and Reducing Small Business Burdens Act H.R. 50 Unfunded Mandates Information and Transparency Act of 2015 H.R. 113 Federal Reserve Accountability and Transparency Act of 2015 H.R. 185 The Regulatory Accountability Act H.R. 347 Facilitating Access to Credit Act H.R. 367 Regulations from the Executive in Need of Scrutiny (REINS) Act H.R. 427 Regulations from the Executive in Need of Scrutiny Act of 2015 H.R. 527 Small Business Regulatory Flexibility Improvements Act of 2015 H.R. 650 Preserving Access to Manufactured Housing Act of 2015 H.R. 685 Mortgage Choice Act of 2015 H.R.766 Financial Institution Customer Protection Act of 2015 H.R. 899 Unfunded Mandates Information and Transparency Act H.R. 1090 Retail Investor Protection Act H.R. 1195 Bureau of Consumer Financial Protection Advisory Boards Act H.R. 1210 Portfolio Lending and Mortgage Access Act H.R. 1259 Helping Expand Lending Practices in Rural Communities Act H.R. 1265 Bureau Advisory Commission Transparency Act H.R. 1266 Financial Product Safety Commission Act of 2015 H.R. 1413 Firearms Manufacturers and Dealers Protection Act of 2015 H.R. 1493 Sunshine for Regulatory Decrees and Settlements Act H.R. 1529 the Community Institution Mortgage Relief Act H.R. 1553 Small Bank Exam Cycle Reform Act of 2015 H.R. 1660 Federal Saving Association Charter Flexibility Act of 2015 H.R. 1737 Reforming CFPB Indirect Auto Financing Guidance Act H.R. 1799 Ensure Fair Prices in Title Insurance Act H.R. 1941 Financial Institutions Examination Fairness and Reform Act H.R. 2213 To provide for a temporary safe harbor from the enforcement of integrated disclosure requirements for mortgage loan transactions under the Real Estate Settlement Procedures Act of 1974 and the Truth in Lending Act, and for other purposes. H.R. 2243 Equity in Government Compensation Act of 201 H.R. 2354, Streamlining Excessive and Costly Regulations Review Act H.R. 2542 Regulatory Flexibility Improvements Act H.R. 2577 Transportation, Housing and Urban Development, and Related Agencies Appropriations Act, 2016 H.R. 2804 Achieving Less Excess in Regulation and Requiring Transparency (ALERRT) Act (H.R. 2804). H.R. 2804 All Economic Regulations are Transparent (ALERT) Act H.R. 3035 Credit Access and Inclusion Act H.R. 3192 Homebuyers Assistance Act H.R. 3634 Student Loan Debt Protection Act H.R. 4986 End Operation Choke Point Act of 2014 Fiscal Year 2016 spending bills for the Department of Justice (CJS) and the Department of Housing and Urban Development (THUD) Under Discussion: A bill to provide consumer protections for overdraft fees A bill to provide consumer protections in auto lending Amendments and riders to appropriations bills
2015 · third_quarter · Banking
(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
2015 · third_quarter · Government Issues
Medical debt and credit scores. Medical Debt Relief Act - H.R. 2362. Credit Repair Organizations Act - H.R. 347. Cybersecurity and data security. Information sharing between public and private sectors - H.R.3039. Alternative scores for Fannie Mae and Freddie Mac. CFPB's Consumer complaint database proposed regulation US 80 FR 26233. Data Security and Breach Notification - H.R.2977, S.1828. Military Personnel - Lending and Credit - H.R. 1735, H.R. 2979, S.1565. Military Lending Act - Employment, Income, Status - H.R. 2977, S.1828. Consumer Privacy Bill of Rights Act - White House Draft. Child Support Assistance Act of 2015 - Child Support Enforcement - H.R. 2091. Improper Payments Coordination Act of 2015 - Do Not Pay Initiative - S.614, H.R.2320. CFPB - "Credit Invisibles" and the "unscoreable" - Consumers with a lack of credit history. CFPB - Use of arbitration agreements involving consumer financial products and services. FIX Credit Reporting Errors Act - S. 1234. Stop Errors in Credit Use Reporting Act - S.1847. Equal Employment for All Act - S. 1981, H.R.3303. Alternative Credit Data - Telecom, utilities reporting consumer payment information to national credit bureaus. H.R. 3035. Child Support Assistance Act - Use of consumer reports in child support enforcement. H.R. 2091, S 2077. Student Loan Servicing, Credit Access and Inclusion Act - H.R.3035. Consumer Reporting Fairness Act - S. 1773. Equal Employment for All Act - Use of consumer credit for employment decisions - H.R.3524, S 1981.
Client expense: $270,000 · Firm income: Not reported
2015 · third_quarter · Financial Institutions/Investments/Securities
Legislative issues related to financial literacy tools and the Credit Repair Organizations Act, including H.R. 347 and other similar legislation. Potential legislative and regulatory issues pertaining to credit reporting and scoring, including H.R. 3035 and the Financial Regulatory Improvement Act of 2015. Regulatory issues pertaining to continued commercial access to the Death Master File.
Client expense: $290,000 · Firm income: Not reported
Government targets: Commerce, Dept of (DOC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Natl Technical Information Service, Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of
| Democratic |
| OR |
| Gwen Moore | Democratic | WI |
| James A. Himes | Democratic | CT |
| James B. Renacci | Republican | OH |
| Jerry McNerney | Democratic | CA |
| John C. Carney Jr. | Democratic | DE |
| Michael G. Fitzpatrick | Republican | PA |
| Mick Mulvaney | Republican | SC |
| Raúl M. Grijalva | Democratic | AZ |
| Robert Pittenger | Republican | NC |
| Rubén Hinojosa | Democratic | TX |
| Sean P. Duffy | Republican | WI |
| Walter B. Jones | Republican | NC |
Client expense: $50,000 · Firm income: Not reported
Government targets: Consumer Financial Protection Bureau (CFPB), Education, Dept of, Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Housing & Urban Development, Dept of (HUD), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), Natl Economic Council (NEC), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), Treasury, Dept of, White House Office
Government targets: Consumer Financial Protection Bureau (CFPB), Education, Dept of, HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Natl Technical Information Service, Social Security Administration (SSA), Treasury, Dept of
Government targets: Consumer Financial Protection Bureau (CFPB), Education, Dept of, HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Natl Technical Information Service, Social Security Administration (SSA), Treasury, Dept of
Client expense: $110,000 · Firm income: Not reported
Government targets: Consumer Financial Protection Bureau (CFPB), Education, Dept of, Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Housing & Urban Development, Dept of (HUD), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), Natl Economic Council (NEC), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), Treasury, Dept of, White House Office
Client expense: $19,540,000 · Firm income: Not reported
Government targets: Agriculture, Dept of (USDA), Army, Dept of (Corps of Engineers), Consumer Financial Protection Bureau (CFPB), Environmental Protection Agency (EPA), Federal Aviation Administration (FAA), Federal Emergency Management Agency (FEMA), Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Interior, Dept of (DOI), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Telecommunications & Information Administration (NTIA), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of, U.S. Geological Survey (USGS), Veterans Affairs, Dept of (VA)
Client expense: Not reported · Firm income: $30,000
Government targets: Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, SENATE
Client expense: $10,000 · Firm income: Not reported
Government targets: Consumer Financial Protection Bureau (CFPB), Education, Dept of, Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Housing & Urban Development, Dept of (HUD), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), Natl Economic Council (NEC), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), Treasury, Dept of, White House Office
Client expense: Not reported · Firm income: Not reported
Government targets: Consumer Financial Protection Bureau (CFPB), Education, Dept of, Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Housing & Urban Development, Dept of (HUD), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), Natl Economic Council (NEC), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), Treasury, Dept of, White House Office
Client expense: $23,800,000 · Firm income: Not reported
Government targets: Agriculture, Dept of (USDA), Consumer Financial Protection Bureau (CFPB), Energy, Dept of, Environmental Protection Agency (EPA), Federal Aviation Administration (FAA), Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Telecommunications & Information Administration (NTIA), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, U.S. Forest Service, Veterans Affairs, Dept of (VA), White House Office
Government targets: Consumer Financial Protection Bureau (CFPB), Education, Dept of, HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Natl Technical Information Service, Social Security Administration (SSA), Treasury, Dept of
Client expense: Not reported · Firm income: $30,000
Government targets: Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, SENATE
Client expense: $70,000 · Firm income: Not reported
Government targets: Consumer Financial Protection Bureau (CFPB), Education, Dept of, Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Housing & Urban Development, Dept of (HUD), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), Natl Economic Council (NEC), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), Treasury, Dept of, White House Office
Client expense: $9,380,000 · Firm income: Not reported
Government targets: Agriculture, Dept of (USDA), Commerce, Dept of (DOC), Consumer Financial Protection Bureau (CFPB), Energy, Dept of, Environmental Protection Agency (EPA), Federal Aviation Administration (FAA), Federal Emergency Management Agency (FEMA), Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Telecommunications & Information Administration (NTIA), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), SENATE, Small Business Administration (SBA), Treasury, Dept of, Veterans Affairs, Dept of (VA)
Government targets: Bureau of Citizenship & Immigration Services (BCIS), Centers For Medicare and Medicaid Services (CMS), Consumer Financial Protection Bureau (CFPB), Defense, Dept of (DOD), Education, Dept of, Equal Employment Opportunity Commission (EEOC), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Office of Management & Budget (OMB), SENATE, Social Security Administration (SSA), Treasury, Dept of, U.S. Postal Service (USPS), Veterans Affairs, Dept of (VA)
Client expense: Not reported · Firm income: $30,000
Government targets: Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, SENATE
Client expense: $15,000 · Firm income: Not reported
Government targets: Consumer Financial Protection Bureau (CFPB), Education, Dept of, Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Housing & Urban Development, Dept of (HUD), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), Natl Economic Council (NEC), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), Treasury, Dept of, White House Office
Government targets: Bureau of Citizenship & Immigration Services (BCIS), Bureau of Labor Statistics (BLS), Centers For Medicare and Medicaid Services (CMS), Consumer Financial Protection Bureau (CFPB), Defense, Dept of (DOD), Education, Dept of, Equal Employment Opportunity Commission (EEOC), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Office of Management & Budget (OMB), SENATE, Social Security Administration (SSA), Treasury, Dept of, U.S. Postal Service (USPS), Veterans Affairs, Dept of (VA)
Client expense: $11,970,000 · Firm income: Not reported
Government targets: Agriculture, Dept of (USDA), Consumer Financial Protection Bureau (CFPB), Environmental Protection Agency (EPA), Federal Aviation Administration (FAA), Federal Emergency Management Agency (FEMA), Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Transportation, Dept of (DOT), Treasury, Dept of, Veterans Affairs, Dept of (VA)
Client expense: Not reported · Firm income: $50,000
Government targets: Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, SENATE
Client expense: Not reported · Firm income: $70,000
Government targets: Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, SENATE
Client expense: $50,000 · Firm income: Not reported
Government targets: Centers For Medicare and Medicaid Services (CMS), Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Consumer Financial Protection Bureau (CFPB), Consumer Product Safety Commission (CPSC), Defense, Dept of (DOD), Education, Dept of, Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), Natl Economic Council (NEC), Natl Telecommunications & Information Administration (NTIA), Office of Management & Budget (OMB), 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
Client expense: $60,000 · Firm income: Not reported
Government targets: Agriculture, Dept of (USDA), Centers For Medicare and Medicaid Services (CMS), Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Consumer Financial Protection Bureau (CFPB), Consumer Product Safety Commission (CPSC), Defense, Dept of (DOD), Education, Dept of, Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), Natl Economic Council (NEC), Natl Telecommunications & Information Administration (NTIA), Office of Management & Budget (OMB), 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
Client expense: $90,000 · Firm income: Not reported
Government targets: Consumer Financial Protection Bureau (CFPB), Education, Dept of, Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Housing & Urban Development, Dept of (HUD), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), Natl Economic Council (NEC), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), Treasury, Dept of, White House Office
Client expense: $20,411 · Firm income: Not reported
Government targets: Centers For Medicare and Medicaid Services (CMS), Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Consumer Financial Protection Bureau (CFPB), Consumer Product Safety Commission (CPSC), Defense, Dept of (DOD), Education, Dept of, Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), Natl Economic Council (NEC), Natl Telecommunications & Information Administration (NTIA), Office of Management & Budget (OMB), 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
Client expense: $50,000 · Firm income: Not reported
Government targets: Consumer Financial Protection Bureau (CFPB), Education, Dept of, Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Housing & Urban Development, Dept of (HUD), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), Natl Economic Council (NEC), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), Treasury, Dept of, White House Office
Government targets: Bureau of Citizenship & Immigration Services (BCIS), Centers For Medicare and Medicaid Services (CMS), Consumer Financial Protection Bureau (CFPB), Defense, Dept of (DOD), Education, Dept of, Equal Employment Opportunity Commission (EEOC), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Justice, Dept of (DOJ), SENATE, Social Security Administration (SSA), Treasury, Dept of, U.S. Postal Service (USPS)
Client expense: Not reported · Firm income: $70,000
Government targets: Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, SENATE
Client expense: $50,000 · Firm income: Not reported
Government targets: Consumer Financial Protection Bureau (CFPB), Education, Dept of, Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Housing & Urban Development, Dept of (HUD), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), Natl Economic Council (NEC), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), Treasury, Dept of, White House Office
Client expense: $33,009 · Firm income: Not reported
Government targets: Agriculture, Dept of (USDA), Centers For Medicare and Medicaid Services (CMS), Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Consumer Financial Protection Bureau (CFPB), Consumer Product Safety Commission (CPSC), Defense, Dept of (DOD), Education, Dept of, Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), Natl Economic Council (NEC), Natl Telecommunications & Information Administration (NTIA), Office of Management & Budget (OMB), 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
Government targets: Bureau of Citizenship & Immigration Services (BCIS), Centers For Medicare and Medicaid Services (CMS), Consumer Financial Protection Bureau (CFPB), Defense, Dept of (DOD), Equal Employment Opportunity Commission (EEOC), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Justice, Dept of (DOJ), SENATE, Social Security Administration (SSA), U.S. Postal Service (USPS)