Credit Score Competition Act of 2015

Issues related to credit scores, particularly consumer financial education and use of credit scores by GSEs. Issues related to the use of alternative data in credit scores. H.R. 347, Facilitating Access to Credit Act of 2015. H.R. 4211, Credit Score Competition Act of 2015.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to credit scores, particularly consumer financial education and use of credit scores by GSEs. Issues related to the use of alternative data in credit scores. H.R. 347, Facilitating Access to Credit Act of 2015. H.R. 4211, Credit Score Competition Act of 2015.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

*Supported H.R. 4211, the Credit Score Competition Act of 2015, that would require Government Sponsored Enterprises (GSEs) to adopt more than one credit scoring model for mortgage finance underwriting. *Supported S. 2355, the Credit Access and Inclusion Act, to amend to Fair Credit Reporting Act (FCRA)to remove impediments found in state or local laws which restrict full file reporting to consumer reporting agencies by such non-traditional information furnishers as energy and telecommunications utilities and other service providers. *Reviewed H.R. 2592, Medical Debt Relief Act, which would prohibit credit bureaus from using paid or settled medical debt with calculating a consumer's creditworthiness. *Reviewed H.R. 347, the Facilitating Access to Credit Act of 2015 to reform the Credit Repair Organizations Act (CROA) exempting nationwide consumer reporting agencies from certain provision in the law.

Client expense: $160,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Medical debt and credit scores. Medical Debt Relief Act - H.R. 2362, S 2592. Credit Repair Organizations Act - H.R. 347. Alternative scores for Fannie Mae and Freddie Mac - Credit Score Competition Act H.R. 4211. CFPB's Consumer complaint database - H.R. 5413, H.R. 5491. Data Security and Breach Notification - H.R.699, H.R. 4715, S 2659. Data Broker Accuracy of Collected Personal Information - H.R. 4516, H.R. 4517. Data Encryption. Military Lending Act and Department of Defense- Employment, Income and Status. Fraud Reduction and Data Analytics Act - S. 1233. CFPB - "Credit Invisibles" and the "unscoreable" - Consumers with a lack of credit history. CFPB - Use of arbitration agreements involving consumer financial products and services. CFPB - Short-term, small dollar lending. FIX Credit Reporting Errors Act - S. 1234. Stop Errors in Credit Use Reporting Act - S.1847. Alternative Credit Data - Telecom, utilities reporting consumer payment information to national credit bureaus. H.R. 4172. Credit Access and Inclusion. Equal Employment for All Act - Use of consumer credit for employment decisions. FCC Lifeline Program. Access to Credit Scores - H.R. 5010, H.R. 5058. Cybersecurity Threat Information Sharing - H.R. 1560. S. 2943 - National Defense Authorization Act. Removal of debt on a consumer credit report. FCRA and permissible purpose. S. 340 - Workforce Innovation and Opportunity Act (WIOA). Improper payments.

Client expense: $250,000 · Firm income: Not reported

Issues related to credit scoring, general credit scores and GSE use of credit scores; H.R. 347, Facilitating Access to Credit Act of 2015; H.R. 4211, Credit Score Competition Act of 2015

Client expense: $70,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Credit Availability S1484 - The Financial Regulatory Improvement Act of 2015 Fees and Points in the QM ATR Rules of Dodd-Frank HR685 - Mortgage Choice Act of 2015 Student Loan Debt HR970 - Supporting Academic Freedom through Regulatory Relief Act HR1131 - Fairness in Student Loan Lending Act HR1434 - Bank on Students Emergency Loan Refinancing Act HR3179 - Empowering Students Through Enhanced Financial Counseling Act HR3180 - Flexible Pell Grant for 21st Century Students Act HR4162 - Credit Access and Inclusion Act of 2015 HR4652 - CLEAR Act S85 - Repay Act of 2015 S108 - Financial Aid Simplification and Transparency Act of 2015 S729 - Fairness for Struggling Students Act of 2015 S793 - Bank on Students Emergency Loan Refinancing Act S840 - Student Loan Borrower Bill of Rights S1948 - AFFORD Act S2043 - Know Before You Owe Federal Student Loan Act of 2015 S2677 - In the Red Act of 2016 Credit Union Lending HR1188 - Credit Union Small Business Job Creations Act CFPB Reform HR1266 - Financial Product Safety Commission Act of 2015 S510 - CFPB-IG Act of 2015 Access to Manufactured Housing HR650 - Preserving Access to Manufactured Housing Act of 2015 S682 - Preserving Access to Manufactured Housing Act of 2015 GSE Reform HR22 - DRIVE Act HR1491 - Partnership to Strengthen Homeownership Act of 2015 HR2029 - Consolidated Appropriations Act, 2016 HR4913 - Housing Finance Restructuring Act of 2016 HR__ - Moving Housing Forward Act S2038 - Jumpstart GSE Reform Act Guarantee Fees S752 - A bill to establish a scorekeeping rule to ensure that increases in guarantee fees of Fannie Mae and Freddie Mac shall not be used to offset provisions that increase the deficit. HConRes125 - Establishing the congressional budget for the United States Government for fiscal year 2017 and setting forth the appropriate budgetary levels for fiscal years 2018 through 2026. RESPA/TILA Amendments/TRID HR1113 - Portfolio Lending and Mortgage Access Act HR1210 - Portfolio Lending and Mortgage Access Act HR3192 - Homebuyers Assistance Act S1711 - A bill to provide for a temporary safe harbor from the enforcement of integrated disclosure requirements for mortgage loan transactions under the Real Estate Settlement Procedures Act of 1974 and the Truth in Lending Act, and for other purposes. Short Sales HR4812 - Prompt Notification of Short Sales Act Mortgage Servicing Assets HR2029 - Consolidated Appropriations Act, 2016 Alternative Credit Scoring HR3035 - Credit Access and Inclusion Act of 2015 HR4211 - Credit Score Competition Act of 2015 HR4893 - Risk Management and Homeowner Stability Act of 2016 S2355 - Credit Access and Inclusion Act of 2015 Service Members Foreclosure Relief S2393 - Foreclosure Relief and Extension for Servicemembers Act of 2015 Commercial Risk Retention Rules HR4620 - Preserving Access to CRE Capital Act of 2016 FHFA HR3808 - To require the withdrawal and study of the Federal Housing Finance Agency's proposed rule on Federal Home Loan Bank membership, and for other purposes. Financial Regulatory Reform HR1090 - Retail Investor Protection Act HR1523 - Community Bank Access to Capital Act of 2015 HR2642 - Community Lender Regulatory Relief and Consumer Protection Act of 2015 HR5983 - The Financial Choice Act S1484 - Financial Regulatory Improvement Act of 2015 S1491 - Community Lender Regulatory Relief and Consumer Protection Act of 2015 S1816 - Community Bank Access to Capital Act of 2015 Credit Reporting HR347 - The Facilitating Access to Credit Act HR5282 - The Comprehensive Consumer Credit Reporting Act of 2016 Federal Home Loan Bank HR__ - To amend the Federal Home Loan Bank Act to clarify the definition of an insurance company and to provide Federal Home Loan Bank membership standards for certain captive insurance companies Alternative Lending Sources HR4854 - Supporting America's Innovators Act of 2016 HR4855 - Fix Crowdfunding Act Zombie Foreclosures S3146 - Preserving Abandoned Foreclosures and Preserving Communities Act of 2016 Conversations with the Consumer Finance Protection Bureau (CFPB) on TRID, RESPA, TILA, and student loan debt. Discussions with the Federal Housing Finance Agency (FHFA) on GSE reform, duty-to-serve. Discussions with the Treasury on anti-money laundering and GSE reform. Conversations with the Office of the Comptroller of the Currency (OCC) on bank charters. Discussions with the Securities and Exchange Commission (SEC) on crowdfunding, small business lending.

Legislative issues related to financial literacy tools and the Credit Repair Organizations Act, including H.R. 347 and other similar legislation. Potential legislative and regulatory issues pertaining to credit reporting and scoring, including S. 2943, H.R. 3035, H.R. 4211, H.R. 4172 and S.2355. Regulatory issues pertaining to continued commercial access to the Death Master File.

Client expense: $350,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Consumer Financial Protection Bureau (CFPB), Federal Housing Finance Agency (FHFA), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Natl Technical Information Service, Office of the Comptroller of the Currency (OCC), SENATE, Social Security Administration (SSA), Treasury, Dept of

"Credit Access and Inclusion Act of 2015" (H.R. 3035, H.R. 4172, and S. 2355). Credit Score Competition Act (H.R. 4211).

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

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Natl Credit Union Administration (NCUA), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of

Medical debt and credit scores. Medical Debt Relief Act - H.R. 2362, S 2592. Credit Repair Organizations Act - H.R. 347. Alternative scores for Fannie Mae and Freddie Mac - Credit Score Competition Act H.R. 4211. CFPB's Consumer complaint database - H.R. 5413, H.R. 5491. Data Security and Breach Notification - H.R.699, H.R. 4715, S 2659. Data Broker Accuracy of Collected Personal Information - H.R. 4516, H.R. 4517. Data Encryption. Military Lending Act and Department of Defense- Employment, Income and Status. Fraud Reduction and Data Analytics Act - S. 1233. CFPB - "Credit Invisibles" and the "unscoreable" - Consumers with a lack of credit history. CFPB - Use of arbitration agreements involving consumer financial products and services. CFPB - Short-term, small dollar lending. FIX Credit Reporting Errors Act - S. 1234. Stop Errors in Credit Use Reporting Act - S.1847. Alternative Credit Data - Telecom, utilities reporting consumer payment information to national credit bureaus. H.R. 4172. Credit Access and Inclusion. Equal Employment for All Act - Use of consumer credit for employment decisions. FCC Lifeline Program. Access to Credit Scores - H.R. 5010, H.R. 5058. Cybersecurity Threat Information Sharing - H.R. 1560.

Client expense: $280,000 · Firm income: Not reported

Credit Availability S1484 - The Financial Regulatory Improvement Act of 2015 Fees and Points in the QM ATR Rules of Dodd-Frank HR685 - Mortgage Choice Act of 2015 Student Loan Debt HR970 - Supporting Academic Freedom through Regulatory Relief Act HR1131 - Fairness in Student Loan Lending Act HR1434 - Bank on Students Emergency Loan Refinancing Act HR3179 - Empowering Students Through Enhanced Financial Counseling Act HR3180 - Flexible Pell Grant for 21st Century Students Act HR4162 - Credit Access and Inclusion Act of 2015 HR4652 - CLEAR Act S85 - Repay Act of 2015 S108 - Financial Aid Simplification and Transparency Act of 2015 S729 - Fairness for Struggling Students Act of 2015 S793 - Bank on Students Emergency Loan Refinancing Act S840 - Student Loan Borrower Bill of Rights S1948 - AFFORD Act S2043 - Know Before You Owe Federal Student Loan Act of 2015 S2677 - In the Red Act of 2016 Credit Union Lending HR1188 - Credit Union Small Business Job Creations Act CFPB Reform HR1266 - Financial Product Safety Commission Act of 2015 S510 - CFPB-IG Act of 2015 Access to Manufactured Housing HR650 - Preserving Access to Manufactured Housing Act of 2015 S682 - Preserving Access to Manufactured Housing Act of 2015 GSE Reform HR22 - DRIVE Act HR1491 - Partnership to Strengthen Homeownership Act of 2015 HR2029 - Consolidated Appropriations Act, 2016 HR4913 - Housing Finance Restructuring Act of 2016 HR__ - Moving Housing Forward Act S2038 - Jumpstart GSE Reform Act Guarantee Fees S752 - A bill to establish a scorekeeping rule to ensure that increases in guarantee fees of Fannie Mae and Freddie Mac shall not be used to offset provisions that increase the deficit. HConRes125 - Establishing the congressional budget for the United States Government for fiscal year 2017 and setting forth the appropriate budgetary levels for fiscal years 2018 through 2026. RESPA/TILA Amendments/TRID HR1113 - Portfolio Lending and Mortgage Access Act HR1210 - Portfolio Lending and Mortgage Access Act HR3192 - Homebuyers Assistance Act S1711 - A bill to provide for a temporary safe harbor from the enforcement of integrated disclosure requirements for mortgage loan transactions under the Real Estate Settlement Procedures Act of 1974 and the Truth in Lending Act, and for other purposes. Short Sales HR4812 - Prompt Notification of Short Sales Act Mortgage Servicing Assets HR2029 - Consolidated Appropriations Act, 2016 Alternative Credit Scoring HR3035 - Credit Access and Inclusion Act of 2015 HR4211 - Credit Score Competition Act of 2015 HR4893 - Risk Management and Homeowner Stability Act of 2016 S2355 - Credit Access and Inclusion Act of 2015 Service Members Foreclosure Relief S2393 - Foreclosure Relief and Extension for Servicemembers Act of 2015 Commercial Risk Retention Rules HR4620 - Preserving Access to CRE Capital Act of 2016 FHFA HR3808 - To require the withdrawal and study of the Federal Housing Finance Agency's proposed rule on Federal Home Loan Bank membership, and for other purposes. Financial Regulatory Reform HR1090 - Retail Investor Protection Act HR2642 - Community Lender Regulatory Relief and Consumer Protection Act of 2015 S1484 - Financial Regulatory Improvement Act of 2015 S1491 - Community Lender Regulatory Relief and Consumer Protection Act of 2015 HR__ - The Financial Choice Act Credit Reporting HR347 - The Facilitating Access to Credit Act HR5282 - The Comprehensive Consumer Credit Reporting Act of 2016 Federal Home Loan Bank HR__ - To amend the Federal Home Loan Bank Act to clarify the definition of an insurance company and to provide Federal Home Loan Bank membership standards for certain captive insurance companies Alternative Lending Sources HR4854 - Supporting America's Innovators Act of 2016 HR4855 - Fix Crowdfunding Act Zombie Foreclosures S3146 - Preserving Abandoned Foreclosures and Preserving Communities Act of 2016 Conversations with the Consumer Finance Protection Bureau (CFPB) on TRID/Know Before You Owe. Discussions with the Federal Housing Finance Agency (FHFA) on credit availability, appraisal issues, appraisal management companies (AMCs), GSE reform, and risk-sharing. Discussions with the Small Business Administration to discuss small business lending programs. Discussions with the Treasury on anti-money laundering and credit availability. Conversations with the Office of the Comptroller of the Currency (OCC) on appraisal issues, AMCs. Discussions with the Securities and Exchange Commission (SEC) on JOBS Act Rulemaking. Discussions with the Federal Reserve on appraisal issues, AMCs. Discussions with the Federal Deposit Insurance Corporation (FDIC) on appraisal issues, AMCs.

*Supported H.R. 4211, the Credit Score Competition Act of 2015, that would require Government Sponsored Enterprises (GSEs) to adopt more than one credit scoring model for mortgage finance underwriting. *Supported S. 2355, the Credit Access and Inclusion Act, to amend to Fair Credit Reporting Act (FCRA)to remove impediments found in state or local laws which restrict full file reporting to consumer reporting agencies by such non-traditional information furnishers as energy and telecommunications utilities and other service providers. *Reviewed H.R. 2592, Medical Debt Relief Act, which would prohibit credit bureaus from using paid or settled medical debt with calculating a consumer's creditworthiness. *Reviewed H.R. 347, the Facilitating Access to Credit Act of 2015 to reform the Credit Repair Organizations Act (CROA) exempting nationwide consumer reporting agencies from certain provision in the law.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to credit scores, particularly consumer financial education and use of credit scores by GSEs. Issues related to use of alternative data in credit scores. H.R. 347, Facilitating Access to Credit Act of 2015. H.R. 4211, Credit Score Competition Act of 2015.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to credit scores, particularly consumer financial education and use of credit scores by GSEs. Issues related to use of alternative data in credit scores. H.R. 347, Facilitating Access to Credit Act of 2015. H.R. 4211, Credit Score Competition Act of 2015.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to credit scores, particularly consumer financial education and use of credit scores by GSEs. Issues related to the use of alternative data in credit scores. H.R. 347, Facilitating Access to Credit Act of 2015. H.R. 4211, Credit Score Competition Act of 2015.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to credit scores, particularly consumer financial education and use of credit scores by GSEs. Issues related to the use of alternative data in credit scores. H.R. 347, Facilitating Access to Credit Act of 2015. H.R. 4211, Credit Score Competition Act of 2015.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

CFPB Arbitration Rule CFPB Complaint Portal CFPB/Department of Education/U.S. Treasury Department - Reporting standards regarding government-administered student loans CFPB Criminal Records Practices CFPB - Issues regarding reporting of data to nationwide consumer reporting agencies NTIS - Death Master File Access and Final Rule Implementation IRS - Access to the IVES income verification data for mortgage lending SSA - Processing of SSA-89 Forms for mortgage lending H.R. 4127 - Credit Access and Inclusion Act - Issues at it pertains to the Fair Credit Reporting Act Military Lending Act Implementation Amendments filed by Senators Menendez and Tester relative to reauthorization of the National Defense Authorization Act Amendments filed by Senators Menendez and Tester relative to the Transportation, Housing and Urban Development Appropriation Bill Amendment filed by Senator Tester relative to Financial Services and Government Appropriation Bill Questions to CDIA members by Senator McCaskill as Ranking Member on the Senate Special Committee on Aging HR 5593 - Protecting Veterans Credit Act of 2016 H.R. 347, the Facilitating Access to Credit Act of 2015 - as it relates to amending the Credit Repair Organizations Act. H.R. 3035, the Credit Access and Inclusion Act of 2015 - as it relates to amending the Fair Credit Reporting Act. H.R. 4211, the Credit Score Competition Act of 2015 - as it relates to credit scores.

Client expense: $310,000 · Firm income: Not reported

"Credit Access and Inclusion Act of 2015" (H.R. 3035, H.R. 4172, and S. 2355). Credit Score Competition Act (H.R. 4211).

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

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Natl Credit Union Administration (NCUA), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of

Legislative issues related to financial literacy tools and the Credit Repair Organizations Act, including H.R. 347 and other similar legislation. Potential legislative and regulatory issues pertaining to credit reporting and scoring, including H.R. 3035, H.R. 4211, H.R. 4172 and S.2355. Regulatory issues pertaining to continued commercial access to the Death Master File.

Client expense: $330,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Consumer Financial Protection Bureau (CFPB), Federal Housing Finance Agency (FHFA), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Natl Technical Information Service, Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of

Issues related to credit scoring; H.R. 347, Facilitating Access to Credit Act of 2015; H.R. 4211, Credit Score Competition Act of 2015

Client expense: $70,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Credit Availability S1484 - The Financial Regulatory Improvement Act of 2015 Fees and Points in the QM ATR Rules of Dodd-Frank HR685 - Mortgage Choice Act of 2015 Student Loan Debt HR970 - Supporting Academic Freedom through Regulatory Relief Act HR1131 - Fairness in Student Loan Lending Act HR1434 - Bank on Students Emergency Loan Refinancing Act HR3179 - Empowering Students Through Enhanced Financial Counseling Act HR3180 - Flexible Pell Grant for 21st Century Students Act HR4162 - Credit Access and Inclusion Act of 2015 HR4652 - CLEAR Act S85 - Repay Act of 2015 S108 - Financial Aid Simplification and Transparency Act of 2015 S729 - Fairness for Struggling Students Act of 2015 S793 - Bank on Students Emergency Loan Refinancing Act S840 - Student Loan Borrower Bill of Rights S1948 - AFFORD Act S2043 - Know Before You Owe Federal Student Loan Act of 2015 S2677 - In the Red Act of 2016 Credit Union Lending HR1188 - Credit Union Small Business Job Creations Act CFPB Reform HR1266 - Financial Product Safety Commission Act of 2015 S510 - CFPB-IG Act of 2015 Access to Manufactured Housing HR650 - Preserving Access to Manufactured Housing Act of 2015 S682 - Preserving Access to Manufactured Housing Act of 2015 GSE Reform HR22 - DRIVE Act HR1491 - Partnership to Strengthen Homeownership Act of 2015 HR2029 - Consolidated Appropriations Act, 2016 HR__ - Housing Finance Restructuring Act of 2016 HR__ - Moving Housing Forward Act S2038 - Jumpstart GSE Reform Act Guarantee Fees S752 - A bill to establish a scorekeeping rule to ensure that increases in guarantee fees of Fannie Mae and Freddie Mac shall not be used to offset provisions that increase the deficit. HConRes125 - Establishing the congressional budget for the United States Government for fiscal year 2017 and setting forth the appropriate budgetary levels for fiscal years 2018 through 2026. RESPA/TILA Amendments/TRID HR1113 - Portfolio Lending and Mortgage Access Act HR1210 - Portfolio Lending and Mortgage Access Act HR3192 - Homebuyers Assistance Act S1711 - A bill to provide for a temporary safe harbor from the enforcement of integrated disclosure requirements for mortgage loan transactions under the Real Estate Settlement Procedures Act of 1974 and the Truth in Lending Act, and for other purposes. Short Sales HR4812 - Prompt Notification of Short Sales Act Mortgage Servicing Assets HR2029 - Consolidated Appropriations Act, 2016 Alternative Credit Scoring HR3035 - Credit Access and Inclusion Act of 2015 HR4211 - Credit Score Competition Act of 2015 HR4893 - Risk Management and Homeowner Stability Act of 2016 S2355 - Credit Access and Inclusion Act of 2015 Service Members Foreclosure Relief S2393 - Foreclosure Relief and Extension for Servicemembers Act of 2015 Commercial Risk Retention Rules HR4620 - Preserving Access to CRE Capital Act of 2016 FHFA HR3808 - To require the withdrawal and study of the Federal Housing Finance Agency's proposed rule on Federal Home Loan Bank membership, and for other purposes. Financial Regulatory Reform HR1090 - Retail Investor Protection Act HR2642 - Community Lender Regulatory Relief and Consumer Protection Act of 2015 S1484 - Financial Regulatory Improvement Act of 2015 S1491 - Community Lender Regulatory Relief and Consumer Protection Act of 2015 HR__ - The Financial Choice Act Credit Reporting HR347 - The Facilitating Access to Credit Act HR5282 - The Comprehensive Consumer Credit Reporting Act of 2016 Federal Home Loan Bank HR__ - To amend the Federal Home Loan Bank Act to clarify the definition of an insurance company and to provide Federal Home Loan Bank membership standards for certain captive insurance companies Alternative Lending Sources HR4854 - Supporting America's Innovators Act of 2016 HR4855 - Fix Crowdfunding Act Zombie Foreclosures S__ - Preserving Abandoned Foreclosures and Preserving Communities Act of 2016 Conversations with the Consumer Finance Protection Bureau (CFPB) on TRID/Know Before You Owe and credit reporting. Discussions with the Federal Housing Finance Agency (FHFA) on "Duty to Serve" and g-fees. Discussions with the Small Business Administration to discuss small business lending programs. Discussions with the Treasury on anti-money laundering and appraisal management companies (AMCs). Conversations with the Office of the Comptroller of the Currency (OCC) on banking regulations.

Issues related to credit scores, particularly consumer financial education and use of credit scores by GSEs. Issues related to use of alternative data in credit scores. H.R. 347, Facilitating Access to Credit Act of 2015. H.R. 4211, Credit Score Competition Act of 2015.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to credit scores, particularly consumer financial education and use of credit scores by GSEs. Issues related to use of alternative data in credit scores. H.R. 347, Facilitating Access to Credit Act of 2015. H.R. 4211, Credit Score Competition Act of 2015.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to credit scores, particularly consumer financial education and use of credit scores by GSEs. Issues related to the use of alternative data in credit scores. H.R. 347, Facilitating Access to Credit Act of 2015. H.R. 4211, Credit Score Competition Act of 2015.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to credit scores, particularly consumer financial education and use of credit scores by GSEs. Issues related to the use of alternative data in credit scores. H.R. 347, Facilitating Access to Credit Act of 2015. H.R. 4211, Credit Score Competition Act of 2015.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Medical debt and credit scores. Medical Debt Relief Act - H.R. 2362, S 2592. Credit Repair Organizations Act - H.R. 347. Alternative scores for Fannie Mae and Freddie Mac - Credit Score Competition Act H.R. 4211. CFPB's Consumer complaint database - H.R. 5413, H.R. 5491. Data Security and Breach Notification - H.R.699, H.R. 4715, S 2659. Data Broker Accuracy of Collected Personal Information - H.R. 4516, H.R. 4517. Data Encryption. Military Lending Act and Department of Defense- Employment, Income and Status. Improper Payments Coordination Act of 2015 - Do Not Pay Initiative - S 1073. Fraud Reduction and Data Analytics Act - S. 1233. CFPB - "Credit Invisibles" and the "unscoreable" - Consumers with a lack of credit history. CFPB - Use of arbitration agreements involving consumer financial products and services. CFPB - Short-term, small dollar lending. FIX Credit Reporting Errors Act - S. 1234. Stop Errors in Credit Use Reporting Act - S.1847. Alternative Credit Data - Telecom, utilities reporting consumer payment information to national credit bureaus. H.R. 3035. Credit Access and Inclusion. Housing Opportunity Through Modernization Act - H.R. 3700. Equal Employment for All Act - Use of consumer credit for employment decisions. FCC Lifeline Program - H.R. 4884. Access to Credit Scores - H.R. 5010, H.R. 5058. Protecting Veterans Credit - H.R. 5593.

Client expense: $280,000 · Firm income: Not reported

"Credit Access and Inclusion Act of 2015" (H.R. 3035, H.R. 4172, and S. 2355). Credit Score Competition Act (H.R. 4211).

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

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Natl Credit Union Administration (NCUA), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of

*Supported H.R. 4211, the Credit Score Competition Act of 2015, that would require Government Sponsored Enterprises (GSEs) to adopt more than one credit scoring model for mortgage finance underwriting. *Supported S. 2355, the Credit Access and Inclusion Act, to amend to Fair Credit Reporting Act (FCRA)to remove impediments found in state or local laws which restrict full file reporting to consumer reporting agencies by such non-traditional information furnishers as energy and telecommunications utilities and other service providers. *Reviewed H.R. 2592, Medical Debt Relief Act, which would prohibit credit bureaus from using paid or settled medical debt with calculating a consumer's creditworthiness. *Reviewed H.R. 347, the Facilitating Access to Credit Act of 2015 to reform the Credit Repair Organizations Act (CROA) exempting nationwide consumer reporting agencies from certain provision in the law.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to credit scoring; H.R. 347, Facilitating Access to Credit Act of 2015; H.R. 4211, Credit Score Competition Act of 2015

Client expense: $70,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Natl Economic Council (NEC), SENATE

Legislative issues related to financial literacy tools and the Credit Repair Organizations Act, including H.R. 347 and other similar legislation. Potential legislative and regulatory issues pertaining to credit reporting and scoring, including H.R. 3035, H.R. 4211, H.R. 4172 and S.2355. Regulatory issues pertaining to continued commercial access to the Death Master File.

Client expense: $300,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Consumer Financial Protection Bureau (CFPB), Federal Housing Finance Agency (FHFA), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Natl Technical Information Service, Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of

Issues related to credit scores, particularly consumer financial education and use of credit scores by GSEs. Issues related to use of alternative data in credit scores. H.R. 347, Facilitating Access to Credit Act of 2015. H.R. 4211, Credit Score Competition Act of 2015.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to credit scores, particularly consumer financial education and use of credit scores by GSEs. Issues related to use of alternative data in credit scores. H.R. 347, Facilitating Access to Credit Act of 2015. H.R. 4211, Credit Score Competition Act of 2015.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to credit scores, particularly consumer financial education and use of credit scores by GSEs. Issues related to the use of alternative data in credit scores. H.R. 347, Facilitating Access to Credit Act of 2015. H.R. 4211, Credit Score Competition Act of 2015.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to credit scores, particularly consumer financial education and use of credit scores by GSEs. Issues related to the use of alternative data in credit scores. H.R. 347, Facilitating Access to Credit Act of 2015. H.R. 4211, Credit Score Competition Act of 2015.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Medical debt and credit scores. Medical Debt Relief Act - H.R. 2362, S 2592. Credit Repair Organizations Act - H.R. 347. Cybersecurity / Data security. Information sharing between public and private sectors - H.R. 4350. Alternative scores for Fannie Mae and Freddie Mac - Credit Score Competition Act H.R. 4211. CFPB's Consumer complaint database. Data Security and Breach Notification - H.R.699, H.R. 4715, H.R. 4516. Data Broker Accuracy of Collected Personal Information - H.R. 4516, H.R. 4517. Data Encryption. Military Lending Act and Department of Defense- Employment, Income and Status. Child Support Assistance Act - Child Support Enforcement Guidance - H.R. 22. Improper Payments Coordination Act of 2015 - Do Not Pay Initiative. Fraud Reduction and Data Analytics Act - S. 1233, H.R. 4180. CFPB - "Credit Invisibles" and the "unscoreable" - Consumers with a lack of credit history. CFPB - Use of arbitration agreements involving consumer financial products and services. CFPB - Short-term, small dollar lending. FIX Credit Reporting Errors Act - S. 1234. Stop Errors in Credit Use Reporting Act - S.1847. Alternative Credit Data - Telecom, utilities reporting consumer payment information to national credit bureaus. H.R. 3035. Credit Access and Inclusion. Housing Opportunity Through Modernization Act - H.R. 3700. Equal Employment for All Act - Use of consumer credit for employment decisions. Judicial Redress Act - EU Safe Harbor - H.R. 1428. FCC Lifeline Program - H.R. 4884.

Client expense: $290,000 · Firm income: Not reported

Credit Availability S1484 - The Financial Regulatory Improvement Act of 2015 Fees and Points in the QM ATR Rules of Dodd-Frank HR685 - Mortgage Choice Act of 2015 Student Loan Debt HR970 - Supporting Academic Freedom through Regulatory Relief Act HR1131 - Fairness in Student Loan Lending Act HR1434 - Bank on Students Emergency Loan Refinancing Act HR3179 - Empowering Students Through Enhanced Financial Counseling Act HR3180 - Flexible Pell Grant for 21st Century Students Act HR4652 - CLEAR Act S85 - Repay Act of 2015 S108 - Financial Aid Simplification and Transparency Act of 2015 S729 - Fairness for Struggling Students Act of 2015 S793 - Bank on Students Emergency Loan Refinancing Act S840 - Student Loan Borrower Bill of Rights S1948 - AFFORD Act S2043 - Know Before You Owe Federal Student Loan Act of 2015 S2677 - In the Red Act of 2016 Credit Union Lending HR1188 - Credit Union Small Business Job Creations Act CFPB Reform HR1266 - Financial Product Safety Commission Act of 2015 S510 - CFPB-IG Act of 2015 Access to Manufactured Housing HR650 - Preserving Access to Manufactured Housing Act of 2015 S682 - Preserving Access to Manufactured Housing Act of 2015 GSE Reform HR22 - DRIVE Act HR1491 - Partnership to Strengthen Homeownership Act of 2015 HR2029 - Consolidated Appropriations Act, 2016 HR__ - Housing Finance Restructuring Act of 2016 HR__ - Moving Housing Forward Act S2038 - Jumpstart GSE Reform Act Guarantee Fees S752 - A bill to establish a scorekeeping rule to ensure that increases in guarantee fees of Fannie Mae and Freddie Mac shall not be used to offset provisions that increase the deficit. HConRes125 - Establishing the congressional budget for the United States Government for fiscal year 2017 and setting forth the appropriate budgetary levels for fiscal years 2018 through 2026. RESPA/TILA Amendments/TRID HR1113 - Portfolio Lending and Mortgage Access Act HR1210 - Portfolio Lending and Mortgage Access Act HR3192 - Homebuyers Assistance Act S1711 - A bill to provide for a temporary safe harbor from the enforcement of integrated disclosure requirements for mortgage loan transactions under the Real Estate Settlement Procedures Act of 1974 and the Truth in Lending Act, and for other purposes. Short Sales HR4812 - Prompt Notification of Short Sales Act Mortgage Servicing Assets HR2029 - Consolidated Appropriations Act, 2016 Alternative Credit Scoring HR3035 - Credit Access and Inclusion Act of 2015 HR4211 - Credit Score Competition Act of 2015 HR4893 - Risk Management and Homeowner Stability Act of 2016 S2355 - Credit Access and Inclusion Act of 2015 Service Members Foreclosure Relief S2393 - Foreclosure Relief and Extension for Servicemembers Act of 2015 Commercial Risk Retention Rules HR4620 - Preserving Access to CRE Capital Act of 2016 FHFA HR3808 - To require the withdrawal and study of the Federal Housing Finance Agency's proposed rule on Federal Home Loan Bank membership, and for other purposes. Financial Regulatory Reform HR1090 - Retail Investor Protection Act HR2642 - Community Lender Regulatory Relief and Consumer Protection Act of 2015 S1484 - Financial Regulatory Improvement Act of 2015 S1491 - Community Lender Regulatory Relief and Consumer Protection Act of 2015 Conversations with the Consumer Finance Protection Bureau (CFPB) on TRID/Know Before You Owe. Discussions with the Federal Housing Finance Agency (FHFA) on TRID and "Duty to Serve." Discussions with the Small Business Administration to discuss small business lending programs. Discussions with the Treasury on anti-money laundering. Conversations with the Office of the Comptroller of the Currency (OCC) on Commercial lending practices. Conversations with the Securities and Exchange Commission (SEC) on crowdfunding rules.

Issues related to credit scoring; H.R. 347, Facilitating Access to Credit Act of 2015; H.R. 4211, Credit Score Competition Act of 2015

Client expense: $70,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

"Credit Access and Inclusion Act of 2015" (H.R. 3035, H.R. 4172, and S. 2355). Credit Score Competition Act (H.R. 4211).

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

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Natl Credit Union Administration (NCUA), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of

Legislative issues related to financial literacy tools and the Credit Repair Organizations Act, including H.R. 347 and other similar legislation. Potential legislative and regulatory issues pertaining to credit reporting and scoring, including H.R. 3035, H.R. 4211, H.R. 4172 and S.2355. Regulatory issues pertaining to continued commercial access to the Death Master File.

Client expense: $290,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Natl Technical Information Service, Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of

*Supported H.R. 4211, the Credit Score Competition Act of 2015, that would require Government Sponsored Enterprises (GSEs) to adopt more than one credit scoring model for mortgage finance underwriting. *Supported S. 2355, the Credit Access and Inclusion Act, to amend to Fair Credit Reporting Act (FCRA)to remove impediments found in state or local laws which restrict full file reporting to consumer reporting agencies by such non-traditional information furnishers as energy and telecommunications utilities and other service providers. *Reviewed H.R. 2592, Medical Debt Relief Act, which would prohibit credit bureaus from using paid or settled medical debt with calculating a consumer's creditworthiness. *Reviewed H.R. 347, the Facilitating Access to Credit Act of 2015 to reform the Credit Repair Organizations Act (CROA) exempting nationwide consumer reporting agencies from certain provision in the law.

Client expense: $70,000 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), HOUSE OF REPRESENTATIVES, SENATE

Medical debt and credit scores. Medical Debt Relief Act - H.R. 2362. Credit Repair Organizations Act - H.R. 347. Cybersecurity / Data security. Information sharing between public and private sectors - S 754, US 80 FR 59581. Alternative scores for Fannie Mae and Freddie Mac - Credit Score Competition Act H.R.4211. CFPB's Consumer complaint database proposed regulation US 80 FR 26233. Data Security and Breach Notification - H.R.2977, S.1828, H.R. 2205, H.R. 3869. Military Personnel - Lending and Credit - H.R. 1735, H.R. 2979, S.1565. Military Lending Act - Employment, Income, Status - H.R. 2977, S.1828. Consumer Privacy Bill of Rights Act - White House Draft. Child Support Assistance Act of 2015 - Child Support Enforcement - H.R. 2091. Improper Payments Coordination Act of 2015 - Do Not Pay Initiative - S.614, H.R.2320. CFPB - "Credit Invisibles" and the "unscoreable" - Consumers with a lack of credit history. CFPB - Use of arbitration agreements involving consumer financial products and services. FIX Credit Reporting Errors Act - S. 1234. Stop Errors in Credit Use Reporting Act - S.1847. Alternative Credit Data - Telecom, utilities reporting consumer payment information to national credit bureaus. H.R. 3035. Child Support Assistance Act - Use of consumer reports in child support enforcement. H.R. 2091, S 2077. Student Loan Servicing, Credit Access and Inclusion Act - H.R.3035. Consumer Reporting Fairness Act - S. 1773. Equal Employment for All Act - Use of consumer credit for employment decisions - H.R.3524, H.R. 3303, S 1981. Re-verification of Consumer's supplemental security income verification - H.R. 1314. Judicial Redress Act - EU Safe Harbor - H.R. 1428.

Client expense: $270,000 · Firm income: Not reported

Legislative issues related to financial literacy tools and the Credit Repair Organizations Act, including H.R. 347 and other similar legislation. Potential legislative and regulatory issues pertaining to credit reporting and scoring, including H.R. 3035, H.R. 4211, H.R. 4172 and S.2355. Regulatory issues pertaining to continued commercial access to the Death Master File.

Client expense: $280,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Natl Technical Information Service, Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of

Issues related to credit scores, particularly consumer financial education and use of credit scores by GSEs. Issues related to use of alternative data in credit scores. H.R. 347, Facilitating Access to Credit Act of 2015. H.R. 4211, Credit Score Competition Act of 2015.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to credit scores, particularly consumer financial education and use of credit scores by GSEs. Issues related to use of alternative data in credit scores. H.R. 347, Facilitating Access to Credit Act of 2015. H.R. 4211, Credit Score Competition Act of 2015.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to credit scores, particularly consumer financial education and use of credit scores by GSEs. Issues related to the use of alternative data in credit scores. H.R. 347, Facilitating Access to Credit Act of 2015. H.R. 4211, Credit Score Competition Act of 2015.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to credit scores, particularly consumer financial education and use of credit scores by GSEs. Issues related to the use of alternative data in credit scores. H.R. 347, Facilitating Access to Credit Act of 2015. H.R. 4211, Credit Score Competition Act of 2015.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

"Credit Access and Inclusion Act of 2015" (H.R. 3035, H.R. 4172, and S. 2355). Credit Score Competition Act (H.R. 4211).

Client expense: Not reported · Firm income: $70,000

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Natl Credit Union Administration (NCUA), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of