Consumer Protection and Choice Act

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

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

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

Oppose any efforts to dismantle, weaken, or change the structure or the funding stream of the Consumer Financial Protection Bureau (CFPB). Support a rule from the CFPB regarding payday lending which require the lender to determine the borrowers ability to repay the loan, including consideration of income and expenses; does not sanction any series of repeat loans or provide a safe harbor for poorly underwritten loans; establishes an outer limit on length of indebtedness that is at least as short as the FDICs 2005 guidelines - 90 days in a twelve-month period; and restricts lenders from requiring a post-dated check or electronic access to a borrowers checking account as a condition of extending credit. Support the Department of Labor's "Fiduciary Responsibility" rule. Support the CFPB's study on forced arbitration clauses; oppose efforts to disable the CFPB to act on its findings. Oppose H.R. 685. Oppose H.R. 1529 Oppose H.R. 650 Oppose H.R. 1408 Oppose H.R. 1265 Oppose H.R. 1259 Oppose H.R. 1195 Oppose H.R. 601 Support S. 838 / H.R. 1565 Oppose H.R. 50 Oppose HR 37 Support continued implementation of Dodd-Frank Wall Street Reform Act of 2010; oppose efforts to eliminate or weaken provisions of the law. Support S. 1133 / H.R.2087 Support HR 2362 Support a strong short term lending reform package by the CFPB that does not undermine state or local laws which may be stronger (offer more protection) Oppose HR 1210 Oppose HR 3192 Oppose HR 1737 Oppose HR 776 Oppose HR 1317 Oppose HR 1941 Oppose HR 3189 Support HR 3524 / S 1981 Support the Federal Insurance Office‟s effort to assess the affordability and accessibility of auto insurance in low-wealth communities, communities of color and underserved communities and the proposed definition of affordability and Affected Persons. Oppose HR 1266 Oppose S. 2038 Oppose H.R. 4018 Support principle reduction of mortgages by Fannie Mae and Freddie Mac Oppose H.R. 766. Support Operation Choke Point. Support full funding in FY 2017 for the 2020 Census and for the ACS Oppose any financial riders on FY17 spending bills Support a robust proposed survey of financing for auto buyers. Support CFPB moving forward on a rulemaking to address the widespread harm resulting from forced arbitration. Support Senators signing onto a letter to the CFPB in support of their auto lending efforts. Support extending the upcoming rule curbing short-term pay day and car title loans to long term payday and car title loans. Oppose granting certiorari in the case of Midland Funding LLC v. Madden. Support Director Cordray speaking to advocates from across the country about financial reform issues Oppose all budget riders to weaken the powers, structure, or funding of the CFPB --particularly opposing proposals that would limit, delay or remove their authority to take action on forced arbitration. Support reassessment of Treasurys plan to eliminate the GSEs capital buffers by the end of 2017. Oppose S. 2663 Oppose HR 5112 Support suspension of GSE dividend payments to Treasury, and require the GSEs to develop and implement capital restoration plans, so they have enough capital to safely manage their business and to support Americas housing finance system. Support the Comprehensive Consumer Credit Reporting Reform Act of 2016 Support HUD AFFH tools as designed to local PHAs and state and local governments with some strengthening suggestions. Support Rep. Meeks Congressional sign-on letter to the regulators urging better enforcement of the ComSupport the Consumer Financial Protection Bureau (CFPB) for releasing a strong proposed payday and car title lending rule and urge the Bureau to close some concerning loopholes that would allow some lenders to continue making harmful loans business as usual.munity Reinvestment Act Support the elimination / reduction of loan level price adjustments Support capturing the borrowers preferred language on mortgage application forms. Support HR 4893 Support principal reduction by HUD and FHFA. Support proposed CFPB rule to limit forced arbitration by financial services Support letter by Congressman Meeks (NY) to federal bank regulators that seeks reforms to CRA regulations and examinations practices. Support the proposed affordability standard set by Federal Insurance Office for future auto insurance research Oppose HR 5893 Support the inclusion of a company satisfaction survey to the CFPBs complaint process Oppose CFPB outline of proposed regulations of debt collection as they fail to sufficiently improve protect consumers victimized by predatory debt collection practices. Support proposed rule on short-term loans, including payday and car title loans, support strengthening rule to close loopholes. Oppose Congressional efforts to attach piecemeal GSE reform as amendments to must pass legislation. Oppose HR 5485 Oppose Guinta (NH)"auto lending" amendment to HR 5485 Support Sewell (AL)"payday lending" amendment to HR 5485 Support Moore (WI) "CFPB" amendment to HR 5485 Support Ellison "arbitration" amendment to HR 5485 Support proposed short-term loan rule, support strengthening to close loopholes Support providing credit reports in multiple languages for LEP individuals Support automatic debt relief for the defrauded former students of the for-profit Corinthian Colleges, Inc. Oppose all financial services riders to any and all appropriations bills Support FTC using its rulemaking authority to go after discriminatory auto lending Oppose rent-a-bank lending. Support increased FDIC oversight, as proposed by the FDIC, but call for additional measures including: A) The FDIC should not allow its member institutions to rent their charters; B) The FDICs definition of significant risk activity should mirror that of the Office of the Comptroller of the Currency (OCC) Third-Party Relationship Guidance; and C) The FDIC should propose guidance with stronger limits on third-party relationships and bring its regulation in line with the OCC. Oppose any riders to any appropriations bills that would weaken or undermine the CFPB, Dodd-Frank, Department of Labors conflict -of-interest rule (aka fiduciary rule) or other financial reform and accountability legislation or regulation. Support mortgage servicers to employ a phone hotline to efficiently address the most pressing of mortgage problems. Oppose HR 6392 Support S 3491 Support proposed CFPB Consumer Satisfaction Survey

Oppose any efforts to dismantle, weaken, or change the structure or the funding stream of the Consumer Financial Protection Bureau (CFPB). Support a rule from the CFPB regarding payday lending which require the lender to determine the borrowers ability to repay the loan, including consideration of income and expenses; does not sanction any series of repeat loans or provide a safe harbor for poorly underwritten loans; establishes an outer limit on length of indebtedness that is at least as short as the FDICs 2005 guidelines - 90 days in a twelve-month period; and restricts lenders from requiring a post-dated check or electronic access to a borrowers checking account as a condition of extending credit. Support the Department of Labor's proposed "Conflicted Advice Rule" (also known as the "Fiduciary Responsibility" rule) regarding retirement savings. Support the CFPB's study on forced arbitration clauses; oppose efforts to disable the CFPB to act on its findings. Oppose H.R. 685 Oppose H.R. 1529 Oppose H.R. 650 Oppose H.R. 1408 Oppose H.R. 1265 Oppose H.R. 1259 Oppose H.R. 1195 Oppose H.R. 601 Support S. 838 / H.R. 1565 oppose H.R. 50 Oppose HR 37 Support continued implementation of Dodd-Frank Wall Street Reform Act of 2010; oppose efforts to eliminate or weaken provisions of the law Support S. 1133 / H.R.2087 Support HR 2362 Oppose S 1484 Oppose HR 1737 Support a strong short term lending reform package by the CFPB that does not undermine state or local laws which may be stronger (offer more protection) Urge FHA to improve its current proposal to change the certification requirements that lenders must make in order to secure Federal Housing Administration insurance on a mortgage loan and adopt an enhanced certification requirement that requires lenders to certify that they meet all three of the following: Exercise of due diligence and good faith in underwriting the mortgage and submitting the application for insurance, which is proposed; Establish, operate and monitor a Quality Control program that complies with all FHA requirements; and For any defects that occur notwithstanding compliance with the first two lender duties, timely remediate or indemnify FHA for any defects that affect the insurability of the loan. Oppose HR 1210 Oppose HR 3192 Oppose HR 1737 Oppose HR 776 Oppose HR 1317 Oppose HR 1941 Oppose HR 3189 Support HR 3524 / S 1981 Oppose HR 1266 Oppose H.R. 4018 Support principle reduction of mortgages Oppose H.R. 766. Support Operation Choke Point. Support a strong implementation of the Holder Rule, which says that when a seller of a good or service originates or helps arrange credit, the consumer is allowed to raise the sellers misconduct as a basis for bringing claims or defenses against the entity holding the debt. Oppose any financial riders on FY17 spending bills. Support a robust proposed survey of financing for auto buyers. Support CFPB moving forward on a rulemaking to address the widespread harm resulting from forced arbitration. Support Senators signing onto a letter to the CFPB in support of their auto lending efforts.Support extending the upcoming rule curbing short-term pay day and car title loans to long term payday and car title loans. Oppose granting certiorari in the case of Midland Funding LLC v. Madden Support Director Cordray speaking to advocates from across the country about financial reform issues Oppose all budget riders to weaken the powers, structure, or funding of the CFPB --particularly opposing proposals that would limit, delay or remove their authority to take action on forced arbitration. Support reassessment of Treasurys plan to eliminate the GSEs capital buffers by the end of 2017. Oppose S. 2663 Support making the AFFH Assessment tool more effective and closing gaps Oppose HR 5112 Support suspension of GSE dividend payments to Treasury, and require the GSEs to develop and implement capital restoration plans, so they have enough capital to safely manage their business and to support Americas housing finance system. Support the Comprehensive Consumer Credit Reporting Reform Act of 2016 Support HUD AFFH tools as designed to local PHAs and state and local governments with some strengthening suggestions. Support Rep. Meeks Congressional sign-on letter to the regulators urging better enforcement of the Community Reinvestment Act Support the Consumer Financial Protection Bureau (CFPB) for releasing a strong proposed payday and car title lending rule and urge the Bureau to close some concerning loopholes that would allow some lenders to continue making harmful loans business as usual. Support the elimination / reduction of loan level price adjustments Support capturing the borrowers preferred language on mortgage application forms. Support HR 4893 Support principal reduction by HUD and FHFA. Support proposed CFPB rule to limit forced arbitration by financial services Support letter by Congressman Meeks (NY) to federal bank regulators that seeks reforms to CRA regulations and examinations practices. Support the proposed affordability standard set by Federal Insurance Office for future auto insurance research Oppose HR 5893 Support the inclusion of a company satisfaction survey to the CFPBs complaint process. Oppose CFPB outline of proposed regulations of debt collection as they fail to sufficiently improve protect consumers victimized by predatory debt collection practices. Support proposed rule on short-term loans, including payday and car title loans, support strengthening rule to close loopholes, Oppose Congressional efforts to attach piecemeal GSE reform as amendments to must pass legislation. Oppose HR 5485 Oppose Guinta (NH)"auto lending" amendment to HR 5485 Support Sewell (AL)"payday lending" amendment to HR 5485 Support Moore (WI) "CFPB" amendment to HR 5485 Support Ellison "arbitration" amendment to HR 5485 Support proposed short-term loan rule, support strengthening to close loopholes Support providing credit reports in multiple languages for LEP individuals Support automatic debt relief for the defrauded former students of the for-profit Corinthian Colleges, Inc. Oppose all financial services riders to any and all appropriations bills Support FTC using its rulemaking authority to go after discriminatory auto lending Oppose rent-a-bank lending. Support increased FDIC oversight, as proposed by the FDIC, but call for additional measures including: A) The FDIC should not allow its member institutions to rent their charters; B) The FDICs definition of significant risk activity should mirror that of the Office of the Comptroller of the Currency (OCC) Third-Party Relationship Guidance; and C) The FDIC should propose guidance with stronger limits on third-party relationships and bring its regulation in line with the OCC. Oppose any riders to any appropriations bills that would weaken or undermine the CFPB, Dodd-Frank, Department of Labors conflict -of-interest rule (aka fiduciary rule) or other financial reform and accountability legislation or regulation. Support mortgage servicers to employ a phone hotline to efficiently address the most pressing of mortgage problems. Oppose HR 6392 Support S 3491 Support proposed CFPB Consumer Satisfaction Survey

H.R. 4737, State and Tribal Government Sovereignty Protection Act of 2016: all provisions. H.R. 4018, Consumer Protection and Choice Act: Consideration of existing Florida state law and a moratorium. H.R. 766/S 2790, Financial Institution Customer Protection Act of 2016: all provisions. General discussions related to Operation Chokepoint.

Client expense: $110,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES

General financial issues pertaining to the company,including Consumer Financial Protection Bureau and Operation Choke Point H.R. 4737 - State and Tribal Government Sovereignty Protection Act of 2016 H.R. 4018 - Consumer Protection and Choice Act H.R. 766 - Financial Institution Customer Protection Act of 2016 S. 2790 - Financial Institution Customer Protection Act of 2016

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

General financial issues pertaining to the company. Consumer Financial Protection Bureau, Operation Choke Point H.R. 4737 - State and Tribal Government Sovereignty Protection Act of 2016 H.R. 4018 - Consumer Protection and Choice Act H.R. 766 - Financial Institution Customer Protection Act of 2016 S. 2790 - Financial Institution Customer Protection Act of 2016

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HR 1261, Bureau of Consumer Financial Protection Accountability Act of 2015 Commodity End User Relief Act HR 3340 HR 2289, The Commodity End User Relief Act S. 2790, the Financial Institution Customer Protection Act of 2016 S. 2663, the so-called Reforming CFPB Indirect Auto Financing Guidance Act. Investment Advisors Modernization Act of 2016 the SEC Regulatory Accountability Act. HR 5112, Unfair or Deceptive Acts or Practices Uniformity Act HR 4139, the Fostering Innovation Act H.R. 4850, the Micro Offering Improvement Act H.R. 4852, the Private Placement Improvement Act H.R. 4854, the Supporting Americas Innovators Act H.R. 4855, the Fix Crowdfunding Act H.R. 5311, the Corporate Governance Reform and Transparency Act H.R. 5421, the National Securities Exchange Regulatory Parity Act H.R. 5424, the Investment Advisers Modernization Act H.R. 5429, the SEC Regulatory Accountability Act HJ Res 88 HR 5485, The Financial Services and General Government Appropriations Act of 2017 The Financial CHOICE Act H.R. 5211 - CFPB Dual Mandate and Economic Analysis Act HR 2889 Carried Interest Fairness Act HR 2103 -Stop Subsidizing Multimillion Dollar Corporate Bonuses Act HR 4018 - Consumer Protection and Choice Act HR 4737 - State and Tribal Government Sovereignty Protection Act of 2016 S. 1686 Carried Interest Fairness Act Non-profit depository institutions HR 5745 Putting Main Street FIRST Act CEO Bonus Loophole Bank worker issues Postal Banking The Poverty, Opportunity, and Upward Mobility plan Financial Policy Riders Payday Lending Reform CFPB Arbitration Rule/Forced Arbitration Private Equity tax loophole CFPB Defense DoL Fiduciary Rule Title II of the Dodd-Frank Act OCC Chartering of Fintechs H.R. 6392 H.R. 5491 and H.R. 5413 (the CFPB Data Accountability Act) H.R. 5424 H.R. 5063 CFPB status as independent agency Removal protections for CFPB director H.R. 4172 - Credit Access and Inclusion Act PACE Loans Wells Fargo arbitration HR 5982 - Midnight Rules Relief Act

H.R. 766-Financial Institution Consumer Protection Act of 2015, provisions relating to access to banking services for financial service providers; Federal policy relating to anticipated Consumer Financial Protection Bureau regulation of consumer financial services including payday and auto title lending, and regulatory process. H.R. 4018-Consumer Protection and Choice Act, provisions relating to anticipated Consumer Financial Protection Bureau regulation of consumer financial services including payday loans, and regulatory process; H.R. 4737-State and Tribal Government Sovereignty Protection Act of 2016, provisions relating to anticipated Consumer Financial Protection Bureau regulation of consumer financial services including payday loans, and regulatory process.

Client expense: Not reported · Firm income: $10,000

Government targets: HOUSE OF REPRESENTATIVES

H.R. 4737, State and Tribal Government Sovereignty Protection Act of 2016: all provisions. H.R. 4018, Consumer Protection and Choice Act: Consideration of existing Florida state law and a moratorium. H.R. 766/S 2790, Financial Institution Customer Protection Act of 2016: all provisions. H.R. 5485, Financial Services and General Government Appropriations Act, 2017: Appropriations related to the financial services sector.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

General financial issues pertaining to the company. H.R. 4737 - State and Tribal Government Sovereignty Protection Act of 2016 H.R. 4018 - Consumer Protection and Choice Act H.R. 766 - Financial Institution Customer Protection Act of 2016 S. 2790 - Financial Institution Customer Protection Act of 2016

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

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

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

General financial issues pertaining to the company. H.R. 4737 - State and Tribal Government Sovereignty Protection Act of 2016 H.R. 4018 - Consumer Protection and Choice Act H.R. 766 - Financial Institution Customer Protection Act of 2016 S. 2790 - Financial Institution Customer Protection Act of 2016

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Oppose any efforts to dismantle, weaken, or change the structure or the funding stream of the Consumer Financial Protection Bureau (CFPB). Support a rule from the CFPB regarding payday lending which require the lender to determine the borrowers ability to repay the loan, including consideration of income and expenses; does not sanction any series of repeat loans or provide a safe harbor for poorly underwritten loans; establishes an outer limit on length of indebtedness that is at least as short as the FDICs 2005 guidelines - 90 days in a twelve-month period; and restricts lenders from requiring a post-dated check or electronic access to a borrowers checking account as a condition of extending credit. Support the Department of Labor's proposed "Conflicted Advice Rule" (also known as the "Fiduciary Responsibility" rule) regarding retirement savings. Support the CFPB's study on forced arbitration clauses; oppose efforts to disable the CFPB to act on its findings. Oppose H.R. 685 Oppose H.R. 1529 Oppose H.R. 650 Oppose H.R. 1408 Oppose H.R. 1265 Oppose H.R. 1259 Oppose H.R. 1195 Oppose H.R. 601 Support S. 838 / H.R. 1565 oppose H.R. 50 Oppose HR 37 Support continued implementation of Dodd-Frank Wall Street Reform Act of 2010; oppose efforts to eliminate or weaken provisions of the law Support S. 1133 / H.R.2087 Support HR 2362 Oppose S 1484 Oppose HR 1737 Support a strong short term lending reform package by the CFPB that does not undermine state or local laws which may be stronger (offer more protection) Urge FHA to improve its current proposal to change the certification requirements that lenders must make in order to secure Federal Housing Administration insurance on a mortgage loan and adopt an enhanced certification requirement that requires lenders to certify that they meet all three of the following: Exercise of due diligence and good faith in underwriting the mortgage and submitting the application for insurance, which is proposed; Establish, operate and monitor a Quality Control program that complies with all FHA requirements; and For any defects that occur notwithstanding compliance with the first two lender duties, timely remediate or indemnify FHA for any defects that affect the insurability of the loan. Oppose HR 1210 Oppose HR 3192 Oppose HR 1737 Oppose HR 776 Oppose HR 1317 Oppose HR 1941 Oppose HR 3189 Support HR 3524 / S 1981 Oppose HR 1266 Oppose H.R. 4018 Support principle reduction of mortgages Oppose H.R. 766. Support Operation Choke Point. Support a strong implementation of the Holder Rule, which says that when a seller of a good or service originates or helps arrange credit, the consumer is allowed to raise the sellers misconduct as a basis for bringing claims or defenses against the entity holding the debt. Oppose any financial riders on FY17 spending bills. Support a robust proposed survey of financing for auto buyers. Support CFPB moving forward on a rulemaking to address the widespread harm resulting from forced arbitration. Support Senators signing onto a letter to the CFPB in support of their auto lending efforts.Support extending the upcoming rule curbing short-term pay day and car title loans to long term payday and car title loans. Oppose granting certiorari in the case of Midland Funding LLC v. Madden Support Director Cordray speaking to advocates from across the country about financial reform issues Oppose all budget riders to weaken the powers, structure, or funding of the CFPB --particularly opposing proposals that would limit, delay or remove their authority to take action on forced arbitration. Support reassessment of Treasurys plan to eliminate the GSEs capital buffers by the end of 2017. Oppose S. 2663 Support making the AFFH Assessment tool more effective and closing gaps Oppose HR 5112 Support suspension of GSE dividend payments to Treasury, and require the GSEs to develop and implement capital restoration plans, so they have enough capital to safely manage their business and to support Americas housing finance system. Support the Comprehensive Consumer Credit Reporting Reform Act of 2016 Support HUD AFFH tools as designed to local PHAs and state and local governments with some strengthening suggestions. Support Rep. Meeks Congressional sign-on letter to the regulators urging better enforcement of the Community Reinvestment Act Support the Consumer Financial Protection Bureau (CFPB) for releasing a strong proposed payday and car title lending rule and urge the Bureau to close some concerning loopholes that would allow some lenders to continue making harmful loans business as usual. Support the elimination / reduction of loan level price adjustments Support capturing the borrowers preferred language on mortgage application forms. Support HR 4893 Support principal reduction by HUD and FHFA. Support proposed CFPB rule to limit forced arbitration by financial services Support letter by Congressman Meeks (NY) to federal bank regulators that seeks reforms to CRA regulations and examinations practices. Support the proposed affordability standard set by Federal Insurance Office for future auto insurance research Oppose HR 5893 Support the inclusion of a company satisfaction survey to the CFPBs complaint process. Oppose CFPB outline of proposed regulations of debt collection as they fail to sufficiently improve protect consumers victimized by predatory debt collection practices. Support proposed rule on short-term loans, including payday and car title loans, support strengthening rule to close loopholes, Oppose Congressional efforts to attach piecemeal GSE reform as amendments to must pass legislation. Oppose HR 5485 Oppose Guinta (NH)"auto lending" amendment to HR 5485 Support Sewell (AL)"payday lending" amendment to HR 5485 Support Moore (WI) "CFPB" amendment to HR 5485 Support Ellison "arbitration" amendment to HR 5485

Oppose any efforts to dismantle, weaken, or change the structure or the funding stream of the Consumer Financial Protection Bureau (CFPB). Support a rule from the CFPB regarding payday lending which require the lender to determine the borrowers ability to repay the loan, including consideration of income and expenses; does not sanction any series of repeat loans or provide a safe harbor for poorly underwritten loans; establishes an outer limit on length of indebtedness that is at least as short as the FDICs 2005 guidelines - 90 days in a twelve-month period; and restricts lenders from requiring a post-dated check or electronic access to a borrowers checking account as a condition of extending credit. Support the Department of Labor's "Fiduciary Responsibility" rule. Support the CFPB's study on forced arbitration clauses; oppose efforts to disable the CFPB to act on its findings. Oppose H.R. 685. Oppose H.R. 1529 Oppose H.R. 650 Oppose H.R. 1408 Oppose H.R. 1265 Oppose H.R. 1259 Oppose H.R. 1195 Oppose H.R. 601 Support S. 838 / H.R. 1565 Oppose H.R. 50 Oppose HR 37 Support continued implementation of Dodd-Frank Wall Street Reform Act of 2010; oppose efforts to eliminate or weaken provisions of the law. Support S. 1133 / H.R.2087 Support HR 2362 Support a strong short term lending reform package by the CFPB that does not undermine state or local laws which may be stronger (offer more protection) Oppose HR 1210 Oppose HR 3192 Oppose HR 1737 Oppose HR 776 Oppose HR 1317 Oppose HR 1941 Oppose HR 3189 Support HR 3524 / S 1981 Support the Federal Insurance Office‟s effort to assess the affordability and accessibility of auto insurance in low-wealth communities, communities of color and underserved communities and the proposed definition of affordability and Affected Persons. Oppose HR 1266 Oppose S. 2038 Oppose H.R. 4018 Support principle reduction of mortgages by Fannie Mae and Freddie Mac Oppose H.R. 766. Support Operation Choke Point. Support full funding in FY 2017 for the 2020 Census and for the ACS Oppose any financial riders on FY17 spending bills Support a robust proposed survey of financing for auto buyers. Support CFPB moving forward on a rulemaking to address the widespread harm resulting from forced arbitration. Support Senators signing onto a letter to the CFPB in support of their auto lending efforts. Support extending the upcoming rule curbing short-term pay day and car title loans to long term payday and car title loans. Oppose granting certiorari in the case of Midland Funding LLC v. Madden. Support Director Cordray speaking to advocates from across the country about financial reform issues Oppose all budget riders to weaken the powers, structure, or funding of the CFPB --particularly opposing proposals that would limit, delay or remove their authority to take action on forced arbitration. Support reassessment of Treasurys plan to eliminate the GSEs capital buffers by the end of 2017. Oppose S. 2663 Oppose HR 5112 Support suspension of GSE dividend payments to Treasury, and require the GSEs to develop and implement capital restoration plans, so they have enough capital to safely manage their business and to support Americas housing finance system. Support the Comprehensive Consumer Credit Reporting Reform Act of 2016 Support HUD AFFH tools as designed to local PHAs and state and local governments with some strengthening suggestions. Support Rep. Meeks Congressional sign-on letter to the regulators urging better enforcement of the ComSupport the Consumer Financial Protection Bureau (CFPB) for releasing a strong proposed payday and car title lending rule and urge the Bureau to close some concerning loopholes that would allow some lenders to continue making harmful loans business as usual.munity Reinvestment Act Support the elimination / reduction of loan level price adjustments Support capturing the borrowers preferred language on mortgage application forms. Support HR 4893 Support principal reduction by HUD and FHFA. Support proposed CFPB rule to limit forced arbitration by financial services Support letter by Congressman Meeks (NY) to federal bank regulators that seeks reforms to CRA regulations and examinations practices. Support the proposed affordability standard set by Federal Insurance Office for future auto insurance research Oppose HR 5893 Support the inclusion of a company satisfaction survey to the CFPBs complaint process Oppose CFPB outline of proposed regulations of debt collection as they fail to sufficiently improve protect consumers victimized by predatory debt collection practices. Support proposed rule on short-term loans, including payday and car title loans, support strengthening rule to close loopholes. Oppose Congressional efforts to attach piecemeal GSE reform as amendments to must pass legislation. Oppose HR 5485 Oppose Guinta (NH)"auto lending" amendment to HR 5485 Support Sewell (AL)"payday lending" amendment to HR 5485 Support Moore (WI) "CFPB" amendment to HR 5485 Support Ellison "arbitration" amendment to HR 5485

H.R. 766-Financial Institution Consumer Protection Act of 2015, provisions relating to access to banking services for financial service providers; Federal policy relating to anticipated Consumer Financial Protection Bureau regulation of consumer financial services including payday and auto title lending, and regulatory process. H.R. 4018-Consumer Protection and Choice Act, provisions relating to anticipated Consumer Financial Protection Bureau regulation of consumer financial services including payday loans, and regulatory process.

Client expense: Not reported · Firm income: $10,000

Government targets: HOUSE OF REPRESENTATIVES

Oppose any efforts to dismantle, weaken, or change the structure or the funding stream of the Consumer Financial Protection Bureau (CFPB). Support a rule from the CFPB regarding payday lending which require the lender to determine the borrowers ability to repay the loan, including consideration of income and expenses; does not sanction any series of repeat loans or provide a safe harbor for poorly underwritten loans; establishes an outer limit on length of indebtedness that is at least as short as the FDICs 2005 guidelines - 90 days in a twelve-month period; and restricts lenders from requiring a post-dated check or electronic access to a borrowers checking account as a condition of extending credit. Support the Department of Labor's proposed "Conflicted Advice Rule" (also known as the "Fiduciary Responsibility" rule) regarding retirement savings. Support the CFPB's study on forced arbitration clauses; oppose efforts to disable the CFPB to act on its findings. Oppose H.R. 685 Oppose H.R. 1529 Oppose H.R. 650 Oppose H.R. 1408 Oppose H.R. 1265 Oppose H.R. 1259 Oppose H.R. 1195 Oppose H.R. 601 Support S. 838 / H.R. 1565 oppose H.R. 50 Oppose HR 37 Support continued implementation of Dodd-Frank Wall Street Reform Act of 2010; oppose efforts to eliminate or weaken provisions of the law Support S. 1133 / H.R.2087 Support HR 2362 Oppose S 1484 Oppose HR 1737 Support a strong short term lending reform package by the CFPB that does not undermine state or local laws which may be stronger (offer more protection) Urge FHA to improve its current proposal to change the certification requirements that lenders must make in order to secure Federal Housing Administration insurance on a mortgage loan and adopt an enhanced certification requirement that requires lenders to certify that they meet all three of the following: Exercise of due diligence and good faith in underwriting the mortgage and submitting the application for insurance, which is proposed; Establish, operate and monitor a Quality Control program that complies with all FHA requirements; and For any defects that occur notwithstanding compliance with the first two lender duties, timely remediate or indemnify FHA for any defects that affect the insurability of the loan. Oppose HR 1210 Oppose HR 3192 Oppose HR 1737 Oppose HR 776 Oppose HR 1317 Oppose HR 1941 Oppose HR 3189 Support HR 3524 / S 1981 Oppose HR 1266 Oppose H.R. 4018 Support principle reduction of mortgages Oppose H.R. 766. Support Operation Choke Point. Support a strong implementation of the Holder Rule, which says that when a seller of a good or service originates or helps arrange credit, the consumer is allowed to raise the sellers misconduct as a basis for bringing claims or defenses against the entity holding the debt. Oppose any financial riders on FY17 spending bills. Support a robust proposed survey of financing for auto buyers. Support CFPB moving forward on a rulemaking to address the widespread harm resulting from forced arbitration. Support Senators signing onto a letter to the CFPB in support of their auto lending efforts.Support extending the upcoming rule curbing short-term pay day and car title loans to long term payday and car title loans. Oppose granting certiorari in the case of Midland Funding LLC v. Madden Support Director Cordray speaking to advocates from across the country about financial reform issues Oppose all budget riders to weaken the powers, structure, or funding of the CFPB --particularly opposing proposals that would limit, delay or remove their authority to take action on forced arbitration. Support reassessment of Treasurys plan to eliminate the GSEs capital buffers by the end of 2017. Oppose S. 2663 Support making the AFFH Assessment tool more effective and closing gaps Oppose HR 5112 Support suspension of GSE dividend payments to Treasury, and require the GSEs to develop and implement capital restoration plans, so they have enough capital to safely manage their business and to support Americas housing finance system. Support the Comprehensive Consumer Credit Reporting Reform Act of 2016 Support HUD AFFH tools as designed to local PHAs and state and local governments with some strengthening suggestions. Support Rep. Meeks Congressional sign-on letter to the regulators urging better enforcement of the Community Reinvestment Act Support the Consumer Financial Protection Bureau (CFPB) for releasing a strong proposed payday and car title lending rule and urge the Bureau to close some concerning loopholes that would allow some lenders to continue making harmful loans business as usual. Support the elimination / reduction of loan level price adjustments Support capturing the borrowers preferred language on mortgage application forms. Support HR 4893 Support principal reduction by HUD and FHFA. Support proposed CFPB rule to limit forced arbitration by financial services Support letter by Congressman Meeks (NY) to federal bank regulators that seeks reforms to CRA regulations and examinations practices. Support the proposed affordability standard set by Federal Insurance Office for future auto insurance research Oppose HR 5893 Support the inclusion of a company satisfaction survey to the CFPBs complaint process. Oppose CFPB outline of proposed regulations of debt collection as they fail to sufficiently improve protect consumers victimized by predatory debt collection practices. Support proposed rule on short-term loans, including payday and car title loans, support strengthening rule to close loopholes, Oppose Congressional efforts to attach piecemeal GSE reform as amendments to must pass legislation.

Oppose any efforts to dismantle, weaken, or change the structure or the funding stream of the Consumer Financial Protection Bureau (CFPB). Support a rule from the CFPB regarding payday lending which require the lender to determine the borrowers ability to repay the loan, including consideration of income and expenses; does not sanction any series of repeat loans or provide a safe harbor for poorly underwritten loans; establishes an outer limit on length of indebtedness that is at least as short as the FDICs 2005 guidelines - 90 days in a twelve-month period; and restricts lenders from requiring a post-dated check or electronic access to a borrowers checking account as a condition of extending credit. Support the Department of Labor's "Fiduciary Responsibility" rule. Support the CFPB's study on forced arbitration clauses; oppose efforts to disable the CFPB to act on its findings. Oppose H.R. 685. Oppose H.R. 1529 Oppose H.R. 650 Oppose H.R. 1408 Oppose H.R. 1265 Oppose H.R. 1259 Oppose H.R. 1195 Oppose H.R. 601 Support S. 838 / H.R. 1565 Oppose H.R. 50 Oppose HR 37 Support continued implementation of Dodd-Frank Wall Street Reform Act of 2010; oppose efforts to eliminate or weaken provisions of the law. Support S. 1133 / H.R.2087 Support HR 2362 Support a strong short term lending reform package by the CFPB that does not undermine state or local laws which may be stronger (offer more protection) Oppose HR 1210 Oppose HR 3192 Oppose HR 1737 Oppose HR 776 Oppose HR 1317 Oppose HR 1941 Oppose HR 3189 Support HR 3524 / S 1981 Support the Federal Insurance Office‟s effort to assess the affordability and accessibility of auto insurance in low-wealth communities, communities of color and underserved communities and the proposed definition of affordability and Affected Persons. Oppose HR 1266 Oppose S. 2038 Oppose H.R. 4018 Support principle reduction of mortgages by Fannie Mae and Freddie Mac Oppose H.R. 766. Support Operation Choke Point. Support full funding in FY 2017 for the 2020 Census and for the ACS Oppose any financial riders on FY17 spending bills Support a robust proposed survey of financing for auto buyers. Support CFPB moving forward on a rulemaking to address the widespread harm resulting from forced arbitration. Support Senators signing onto a letter to the CFPB in support of their auto lending efforts. Support extending the upcoming rule curbing short-term pay day and car title loans to long term payday and car title loans. Oppose granting certiorari in the case of Midland Funding LLC v. Madden. Support Director Cordray speaking to advocates from across the country about financial reform issues Oppose all budget riders to weaken the powers, structure, or funding of the CFPB --particularly opposing proposals that would limit, delay or remove their authority to take action on forced arbitration. Support reassessment of Treasurys plan to eliminate the GSEs capital buffers by the end of 2017. Oppose S. 2663 Oppose HR 5112 Support suspension of GSE dividend payments to Treasury, and require the GSEs to develop and implement capital restoration plans, so they have enough capital to safely manage their business and to support Americas housing finance system. Support the Comprehensive Consumer Credit Reporting Reform Act of 2016 Support HUD AFFH tools as designed to local PHAs and state and local governments with some strengthening suggestions. Support Rep. Meeks Congressional sign-on letter to the regulators urging better enforcement of the ComSupport the Consumer Financial Protection Bureau (CFPB) for releasing a strong proposed payday and car title lending rule and urge the Bureau to close some concerning loopholes that would allow some lenders to continue making harmful loans business as usual.munity Reinvestment Act Support the elimination / reduction of loan level price adjustments Support capturing the borrowers preferred language on mortgage application forms. Support HR 4893 Support principal reduction by HUD and FHFA. Support proposed CFPB rule to limit forced arbitration by financial services Support letter by Congressman Meeks (NY) to federal bank regulators that seeks reforms to CRA regulations and examinations practices. Support the proposed affordability standard set by Federal Insurance Office for future auto insurance research Oppose HR 5893 Support the inclusion of a company satisfaction survey to the CFPBs complaint process Oppose CFPB outline of proposed regulations of debt collection as they fail to sufficiently improve protect consumers victimized by predatory debt collection practices. Support proposed rule on short-term loans, including payday and car title loans, support strengthening rule to close loopholes. Oppose Congressional efforts to attach piecemeal GSE reform as amendments to must pass legislation.

Oppose any efforts to dismantle, weaken, or change the structure or the funding stream of the Consumer Financial Protection Bureau (CFPB). Support a rule from the CFPB regarding payday lending which require the lender to determine the borrowers ability to repay the loan, including consideration of income and expenses; does not sanction any series of repeat loans or provide a safe harbor for poorly underwritten loans; establishes an outer limit on length of indebtedness that is at least as short as the FDICs 2005 guidelines - 90 days in a twelve-month period; and restricts lenders from requiring a post-dated check or electronic access to a borrowers checking account as a condition of extending credit. Support the Department of Labor's "Fiduciary Responsibility" rule. Support the CFPB's study on forced arbitration clauses; oppose efforts to disable the CFPB to act on its findings. Oppose H.R. 685. Oppose H.R. 1529 Oppose H.R. 650 Oppose H.R. 1408 Oppose H.R. 1265 Oppose H.R. 1259 Oppose H.R. 1195 Oppose H.R. 601 Support S. 838 / H.R. 1565 Oppose H.R. 50 Oppose HR 37 Support continued implementation of Dodd-Frank Wall Street Reform Act of 2010; oppose efforts to eliminate or weaken provisions of the law. Support S. 1133 / H.R.2087 Support HR 2362 Support a strong short term lending reform package by the CFPB that does not undermine state or local laws which may be stronger (offer more protection) Oppose HR 1210 Oppose HR 3192 Oppose HR 1737 Oppose HR 776 Oppose HR 1317 Oppose HR 1941 Oppose HR 3189 Support HR 3524 / S 1981 Support the Federal Insurance Office‟s effort to assess the affordability and accessibility of auto insurance in low-wealth communities, communities of color and underserved communities and the proposed definition of affordability and Affected Persons. Oppose HR 1266 Oppose S. 2038 Oppose H.R. 4018 Support principle reduction of mortgages by Fannie Mae and Freddie Mac Oppose H.R. 766. Support Operation Choke Point. Support full funding in FY 2017 for the 2020 Census and for the ACS Oppose any financial riders on FY17 spending bills Support a robust proposed survey of financing for auto buyers. Support CFPB moving forward on a rulemaking to address the widespread harm resulting from forced arbitration. Support Senators signing onto a letter to the CFPB in support of their auto lending efforts. Support extending the upcoming rule curbing short-term pay day and car title loans to long term payday and car title loans. Oppose granting certiorari in the case of Midland Funding LLC v. Madden. Support Director Cordray speaking to advocates from across the country about financial reform issues Oppose all budget riders to weaken the powers, structure, or funding of the CFPB --particularly opposing proposals that would limit, delay or remove their authority to take action on forced arbitration. Support reassessment of Treasurys plan to eliminate the GSEs capital buffers by the end of 2017. Oppose S. 2663 Oppose HR 5112 Support suspension of GSE dividend payments to Treasury, and require the GSEs to develop and implement capital restoration plans, so they have enough capital to safely manage their business and to support Americas housing finance system. Support the Comprehensive Consumer Credit Reporting Reform Act of 2016 Support HUD AFFH tools as designed to local PHAs and state and local governments with some strengthening suggestions. Support Rep. Meeks Congressional sign-on letter to the regulators urging better enforcement of the ComSupport the Consumer Financial Protection Bureau (CFPB) for releasing a strong proposed payday and car title lending rule and urge the Bureau to close some concerning loopholes that would allow some lenders to continue making harmful loans business as usual.munity Reinvestment Act Support the elimination / reduction of loan level price adjustments Support capturing the borrowers preferred language on mortgage application forms. Support HR 4893 Support principal reduction by HUD and FHFA.

Oppose any efforts to dismantle, weaken, or change the structure or the funding stream of the Consumer Financial Protection Bureau (CFPB). Support a rule from the CFPB regarding payday lending which require the lender to determine the borrowers ability to repay the loan, including consideration of income and expenses; does not sanction any series of repeat loans or provide a safe harbor for poorly underwritten loans; establishes an outer limit on length of indebtedness that is at least as short as the FDICs 2005 guidelines - 90 days in a twelve-month period; and restricts lenders from requiring a post-dated check or electronic access to a borrowers checking account as a condition of extending credit. Support the Department of Labor's proposed "Conflicted Advice Rule" (also known as the "Fiduciary Responsibility" rule) regarding retirement savings. Support the CFPB's study on forced arbitration clauses; oppose efforts to disable the CFPB to act on its findings. Oppose H.R. 685 Oppose H.R. 1529 Oppose H.R. 650 Oppose H.R. 1408 Oppose H.R. 1265 Oppose H.R. 1259 Oppose H.R. 1195 Oppose H.R. 601 Support S. 838 / H.R. 1565 oppose H.R. 50 Oppose HR 37 Support continued implementation of Dodd-Frank Wall Street Reform Act of 2010; oppose efforts to eliminate or weaken provisions of the law Support S. 1133 / H.R.2087 Support HR 2362 Oppose S 1484 Oppose HR 1737 Support a strong short term lending reform package by the CFPB that does not undermine state or local laws which may be stronger (offer more protection) Urge FHA to improve its current proposal to change the certification requirements that lenders must make in order to secure Federal Housing Administration insurance on a mortgage loan and adopt an enhanced certification requirement that requires lenders to certify that they meet all three of the following: Exercise of due diligence and good faith in underwriting the mortgage and submitting the application for insurance, which is proposed; Establish, operate and monitor a Quality Control program that complies with all FHA requirements; and For any defects that occur notwithstanding compliance with the first two lender duties, timely remediate or indemnify FHA for any defects that affect the insurability of the loan. Oppose HR 1210 Oppose HR 3192 Oppose HR 1737 Oppose HR 776 Oppose HR 1317 Oppose HR 1941 Oppose HR 3189 Support HR 3524 / S 1981 Oppose HR 1266 Oppose H.R. 4018 Support principle reduction of mortgages Oppose H.R. 766. Support Operation Choke Point. Support a strong implementation of the Holder Rule, which says that when a seller of a good or service originates or helps arrange credit, the consumer is allowed to raise the sellers misconduct as a basis for bringing claims or defenses against the entity holding the debt. Oppose any financial riders on FY17 spending bills. Support a robust proposed survey of financing for auto buyers. Support CFPB moving forward on a rulemaking to address the widespread harm resulting from forced arbitration. Support Senators signing onto a letter to the CFPB in support of their auto lending efforts.Support extending the upcoming rule curbing short-term pay day and car title loans to long term payday and car title loans. Oppose granting certiorari in the case of Midland Funding LLC v. Madden Support Director Cordray speaking to advocates from across the country about financial reform issues Oppose all budget riders to weaken the powers, structure, or funding of the CFPB --particularly opposing proposals that would limit, delay or remove their authority to take action on forced arbitration. Support reassessment of Treasurys plan to eliminate the GSEs capital buffers by the end of 2017. Oppose S. 2663 Support making the AFFH Assessment tool more effective and closing gaps Oppose HR 5112 Support suspension of GSE dividend payments to Treasury, and require the GSEs to develop and implement capital restoration plans, so they have enough capital to safely manage their business and to support Americas housing finance system. Support the Comprehensive Consumer Credit Reporting Reform Act of 2016 Support HUD AFFH tools as designed to local PHAs and state and local governments with some strengthening suggestions. Support Rep. Meeks Congressional sign-on letter to the regulators urging better enforcement of the Community Reinvestment Act Support the Consumer Financial Protection Bureau (CFPB) for releasing a strong proposed payday and car title lending rule and urge the Bureau to close some concerning loopholes that would allow some lenders to continue making harmful loans business as usual. Support the elimination / reduction of loan level price adjustments Support capturing the borrowers preferred language on mortgage application forms. Support HR 4893 Support principal reduction by HUD and FHFA.

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

General financial issues pertaining to the company. H.R. 4737 - State and Tribal Government Sovereignty Protection Act of 2016 H.R. 4018 - Consumer Protection and Choice Act H.R. 766 - Financial Institution Customer Protection Act of 2016 S. 2790 - Financial Institution Customer Protection Act of 2016

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

General financial issues pertaining to the company. H.R. 4737 - State and Tribal Government Sovereignty Protection Act of 2016 H.R. 4018 - Consumer Protection and Choice Act H.R. 766 - Financial Institution Customer Protection Act of 2016 S. 2790 - Financial Institution Customer Protection Act of 2016

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

General financial issues pertaining to the company, HR 4018, HR 4737, HR 766 and S.2790

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

General financial issues pertaining to the company, HR 4018, HR 4737, HR 766 and S.2790

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 766-Financial Institution Consumer Protection Act of 2015, provisions relating to access to banking services for financial service providers; Federal policy relating to anticipated Consumer Financial Protection Bureau regulation of consumer financial services including payday and auto title lending, and regulatory process. H.R. 4018-Consumer Protection and Choice Act, provisions relating to anticipated Consumer Financial Protection Bureau regulation of consumer financial services including payday loans, and regulatory process.

Client expense: Not reported · Firm income: $10,000

Government targets: HOUSE OF REPRESENTATIVES

H.R. 4737, State and Tribal Government Sovereignty Protection Act of 2016: all provisions. H.R. 4018, Consumer Protection and Choice Act: Consideration of existing Florida state law and a moratorium. H.R. 766/S 2790, Financial Institution Customer Protection Act of 2016: all provisions. H.R. 5485, Financial Services and General Government Appropriations Act, 2017: all provisions.

Client expense: $180,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HR 1261, Bureau of Consumer Financial Protection Accountability Act of 2015 Commodity End User Relief Act HR 3340 HR 2289, The Commodity End User Relief Act S. 2790, the Financial Institution Customer Protection Act of 2016 S. 2663, the so-called Reforming CFPB Indirect Auto Financing Guidance Act. Investment Advisors Modernization Act of 2016 the SEC Regulatory Accountability Act. HR 5112, Unfair or Deceptive Acts or Practices Uniformity Act HR 4139, the Fostering Innovation Act H.R. 4850, the Micro Offering Improvement Act H.R. 4852, the Private Placement Improvement Act H.R. 4854, the Supporting Americas Innovators Act H.R. 4855, the Fix Crowdfunding Act H.R. 5311, the Corporate Governance Reform and Transparency Act H.R. 5421, the National Securities Exchange Regulatory Parity Act H.R. 5424, the Investment Advisers Modernization Act H.R. 5429, the SEC Regulatory Accountability Act HJ Res 88 HR 5485, The Financial Services and General Government Appropriations Act of 2017 The Financial CHOICE Act H.R. 5211 - CFPB Dual Mandate and Economic Analysis Act HR 2889 Carried Interest Fairness Act HR 2103 -Stop Subsidizing Multimillion Dollar Corporate Bonuses Act HR 4018 - Consumer Protection and Choice Act HR 4737 - State and Tribal Government Sovereignty Protection Act of 2016 S. 1686 Carried Interest Fairness Act Non-profit depository institutions Financial Transaction Tax CEO Bonus Loophole Bank worker issues Wage garnishment Postal Banking The Poverty, Opportunity, and Upward Mobility plan Financial Policy Riders Payday Lending Reform CFPB Arbitration Rule/Forced Arbitration Private Equity tax loophole CFPB Defense DoL Fiduciary Rule Title II of the Dodd-Frank Act

Client expense: $310,376 · Firm income: Not reported

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

H.R. 766, the Financial Institution Customer Protection Act of 2015 H.R. 1675, the Encouraging Employee Ownership Act of 2015 S. 1841, "Taxpayer Protection and Responsible Resolution Act" Whistleblower Augmented Reward and Nonretaliation (WARN) Act of 2016 H.R. 2896, Taking Account of Institutions with Low Operation Risk Act of 2015 H.R. 3798, the Due Process Restoration Act of 2015 H.R. 4166, the Expanding Proven Financing for American Employers Act H.R. 4139, the Fostering Innovation Act H.R. 4498 , the HALOS Act H.R. 4620, the Preserving Access to CRE Capital Act H.R. 4638, the Main Street Growth Act H.R. 4096, the Investor Clarity and Bank Parity Act The Brokaw Act H.R. 4018, "Consumer Protection and Choice Act" Department of Education Complaint System Corinthian College Student Loan Relief CFTC Funding CFPB Auto Lending Reform Wage Garnishment Payday Lending Reform DoL Fiduciary Rule CFPB Oversight

Client expense: $304,446 · Firm income: Not reported

Oppose any efforts to dismantle, weaken, or change the structure or the funding stream of the Consumer Financial Protection Bureau (CFPB). Support a rule from the CFPB regarding payday lending which require the lender to determine the borrowers ability to repay the loan, including consideration of income and expenses; does not sanction any series of repeat loans or provide a safe harbor for poorly underwritten loans; establishes an outer limit on length of indebtedness that is at least as short as the FDICs 2005 guidelines - 90 days in a twelve-month period; and restricts lenders from requiring a post-dated check or electronic access to a borrowers checking account as a condition of extending credit. Support the Department of Labor's proposed "Conflicted Advice Rule" (also known as the "Fiduciary Responsibility" rule) regarding retirement savings. Support the CFPB's study on forced arbitration clauses; oppose efforts to disable the CFPB to act on its findings. Oppose H.R. 685 Oppose H.R. 1529 Oppose H.R. 650 Oppose H.R. 1408 Oppose H.R. 1265 Oppose H.R. 1259 Oppose H.R. 1195 Oppose H.R. 601 Support S. 838 / H.R. 1565 oppose H.R. 50 Oppose HR 37 Support continued implementation of Dodd-Frank Wall Street Reform Act of 2010; oppose efforts to eliminate or weaken provisions of the law Support S. 1133 / H.R.2087 Support HR 2362 Oppose S 1484 Oppose HR 1737 Support a strong short term lending reform package by the CFPB that does not undermine state or local laws which may be stronger (offer more protection) Urge FHA to improve its current proposal to change the certification requirements that lenders must make in order to secure Federal Housing Administration insurance on a mortgage loan and adopt an enhanced certification requirement that requires lenders to certify that they meet all three of the following: Exercise of due diligence and good faith in underwriting the mortgage and submitting the application for insurance, which is proposed; Establish, operate and monitor a Quality Control program that complies with all FHA requirements; and For any defects that occur notwithstanding compliance with the first two lender duties, timely remediate or indemnify FHA for any defects that affect the insurability of the loan. Oppose HR 1210 Oppose HR 3192 Oppose HR 1737 Oppose HR 776 Oppose HR 1317 Oppose HR 1941 Oppose HR 3189 Support HR 3524 / S 1981 Oppose HR 1266 Oppose H.R. 4018 Support principle reduction of mortgages Oppose H.R. 766. Support Operation Choke Point. Support a strong implementation of the Holder Rule, which says that when a seller of a good or service originates or helps arrange credit, the consumer is allowed to raise the sellers misconduct as a basis for bringing claims or defenses against the entity holding the debt. Oppose any financial riders on FY17 spending bills. Support a robust proposed survey of financing for auto buyers. Support CFPB moving forward on a rulemaking to address the widespread harm resulting from forced arbitration. Support Senators signing onto a letter to the CFPB in support of their auto lending efforts.Support extending the upcoming rule curbing short-term pay day and car title loans to long term payday and car title loans. Oppose granting certiorari in the case of Midland Funding LLC v. Madden

Oppose any efforts to dismantle, weaken, or change the structure or the funding stream of the Consumer Financial Protection Bureau (CFPB). Support a rule from the CFPB regarding payday lending which require the lender to determine the borrowers ability to repay the loan, including consideration of income and expenses; does not sanction any series of repeat loans or provide a safe harbor for poorly underwritten loans; establishes an outer limit on length of indebtedness that is at least as short as the FDICs 2005 guidelines - 90 days in a twelve-month period; and restricts lenders from requiring a post-dated check or electronic access to a borrowers checking account as a condition of extending credit. Support the Department of Labor's "Fiduciary Responsibility" rule. Support the CFPB's study on forced arbitration clauses; oppose efforts to disable the CFPB to act on its findings. Oppose H.R. 685. Oppose H.R. 1529 Oppose H.R. 650 Oppose H.R. 1408 Oppose H.R. 1265 Oppose H.R. 1259 Oppose H.R. 1195 Oppose H.R. 601 Support S. 838 / H.R. 1565 Oppose H.R. 50 Oppose HR 37 Support continued implementation of Dodd-Frank Wall Street Reform Act of 2010; oppose efforts to eliminate or weaken provisions of the law. Support S. 1133 / H.R.2087 Support HR 2362 Support a strong short term lending reform package by the CFPB that does not undermine state or local laws which may be stronger (offer more protection) Oppose HR 1210 Oppose HR 3192 Oppose HR 1737 Oppose HR 776 Oppose HR 1317 Oppose HR 1941 Oppose HR 3189 Support HR 3524 / S 1981 Support the Federal Insurance Office‟s effort to assess the affordability and accessibility of auto insurance in low-wealth communities, communities of color and underserved communities and the proposed definition of affordability and Affected Persons. Oppose HR 1266 Oppose S. 2038 Oppose H.R. 4018 Support principle reduction of mortgages by Fannie Mae and Freddie Mac Oppose H.R. 766. Support Operation Choke Point. Support full funding in FY 2017 for the 2020 Census and for the ACS Oppose any financial riders on FY17 spending bills Support a robust proposed survey of financing for auto buyers. Support CFPB moving forward on a rulemaking to address the widespread harm resulting from forced arbitration. Support Senators signing onto a letter to the CFPB in support of their auto lending efforts. Support extending the upcoming rule curbing short-term pay day and car title loans to long term payday and car title loans. Oppose granting certiorari in the case of Midland Funding LLC v. Madden

H.R. 4018, Consumer Protection and Choice Act: Consideration of existing Florida state law and a moratorium. Issues related to short-term/small dollar lending, and the Consumer Financial Protection Bureau's proposed regulations of credit products.

Client expense: $190,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 766-Financial Institution Consumer Protection Act of 2015, provisions relating to access to banking services for financial service providers; Federal policy relating to anticipated Consumer Financial Protection Bureau regulation of consumer financial services including payday and auto title lending, and regulatory process. H.R. 4018-Consumer Protection and Choice Act, provisions relating to anticipated Consumer Financial Protection Bureau regulation of consumer financial services including payday loans, and regulatory process.

Client expense: Not reported · Firm income: $8,400

Government targets: HOUSE OF REPRESENTATIVES

General financial issues pertaining to the association, HR 4018

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

General financial issues pertaining to the association, HR 4018

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

General financial issues pertaining to the company, HR 4018

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

General financial issues pertaining to the company,HR 4018. Appropriations related to the financial services sector.

Client expense: Not reported · Firm income: Not reported

General financial issues pertaining to the company,HR 4018. Appropriations related to the financial services sector.

Client expense: Not reported · Firm income: Not reported

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

H.R. 4018, Consumer Protection and Choice Act: Consideration of existing Florida state law and a moratorium.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

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

HR 414, the Burdensome Data Collection Relief Act HR 1090 Retail Investor Protection Act, HR 1266 Financial Product Safety Commission Act of 2015. HR 3192, the Homebuyers Assistance Act, HR 2287 (NCUA Budget Transparency Act) HR 2896 (the TAILOR Act) HR 3340 (the Financial Stability Oversight Council Reform Act) HR 1309, the Systemic Risk Designation Improvement Act of 2015. "Golden Parachute Compensation Packages" S. Con. Res. 11 DoL Fiduciary Rule HR 1550 Financial Stability Oversight Council Improvement Act of 2015. HR 3340 Financial Stability Oversight Council Reform Act. HR 3557 FSOC Transparency and Accountability Act. HR 3738 Office of Financial Research Accountability Act of 2015.HR 3868, the Small Business Credit Availability Act HR 2209 HR 3857 Hensarling Amendment to Highway Trust Fund bill HR 1737, the Reforming CFPB Indirect Auto Financing Guidance Act, HR 1210, Portfolio Lending and Mortgage Access Act, HR 3189, The Federal Reserve Reform Act of 2015, HR 2187, the Fair Investment Opportunities for Professional Experts Act HR 3784, the SEC Small Business Advocate Act HR 4018, the Consumer Protection and Choice Act. HR 2029, Consolidated Appropriations Act, 2016 S 1484, Financial Regulatory Improvement Act of 2015

Client expense: $364,725 · Firm income: Not reported

general financial issues pertaining to the company, HR 4018

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE