Protecting Consumers' Access to Credit Act of 2016

H.R. 766 Financial Institution Customer Protection Act H.R. 1113 Portfolio Lending and Mortgage Access Act H.R. 1188 Credit Union Small Business Jobs Creation Act H.R. 1195 The Bureau of Consumer Financial Protection Small Business Advisory Board Act H.R. 1210 Portfolio Lending and Mortgage Access Act H.R. 1233 CLEAR Relief Act H.R. 1523 Community Bank Access to Capital Act H.R. 1529 The Community Institution Mortgage Relief Act H.R. 1553 Small Bank Exam Cycle Reform Act H.R. 1660 The Federal Savings Association Charter Flexibility Act H.R. 1661 Mutual Bank Capital Opportunity Act H.R. 1766 Right to Lend Act of 2015 H.R. 2205 Data Security Act of 2015 H.R. 3791 A bill to increase Small Bank Holding Policy Statement threshold from $1B to $5B in assets H.R. 4099 CFPB Exam and Reporting Threshold Act H.R. 4116 To amend the Federal Deposit Insurance Act to ensure that reciprocal deposits are not considered to be funds obtained by or through a deposit broker H.R. 4500 The Community Bank Reporting Relief Act H.R. 4909 National Defense Authorization Act of 2017 H.R. 4997 The Home Mortgage Disclosure Adjustment Act H.R. 5076 Main Street Parity Act H.R. 5485 Financial Services and General Government Appropriations Act of 2017 H.R. 5724 The Protecting Consumers Access to Credit Act of 2016 H.R. 5808 EGRPRA Review Frequency H.R. 5983 The Financial CHOICE Act H.R. 6244 To require the appropriate Federal banking agencies to treat certain non-significant investments in the capital of unconsolidated financial institutions as qualifying capital instruments, and for other purposes. S. 812 The CLEAR Relief Act S. 927 CLEAR Relief Plus Act S. 961 Data Security Act of 2015 S. 970 18-Month Exam Cycle S. 1484 Financial Regulatory Improvement Act S. 1491 Community Lender Regulatory Relief and Consumer Protection Act S. 1816 Community Bank Access to Capital Act S. 2471 401 (Kids) Education Savings Account Act of 2016 S. 2722 Federal Savings Association Charter Flexibility Act - all provisions S. 2992 Small Business Lending Oversight Act S. 3153 The Tailor Act. S. 3215 To amend the Home Mortgage Disclosure Act of 1975 to specify which depository institutions are subject to the maintenance of records and disclosure requirements of such Act, and for other purposes S. 3373 A bill to amend the Federal Deposit Insurance Act to ensure that the reciprocal deposits of an insured depository institution are not considered to be funds obtained by or through a deposit broker, and for other purposes S. 3404 A bill to amend the Federal Deposit Insurance Act to require the appropriate Federal banking agencies to treat certain municipal obligations as level 2B liquid assets, and for other purposes ADA Website Compliance Call Report Streamlining Capital Access for Community Banks Capital Rules--Basel III CFPB Data Aggregation CFPB Data Collection CFPB Overdraft CFPB Reforms/Governance CFPB Small Business Data Collection CFPB Small Dollar/Payday Lending Community Bank Examination Appeals Credit Union Business Lending Powers Credit Union Field of Membership Cybersecurity - Information Sharing Data Security and Breaches De Novo Bank Applications Department of Justice Operation Chokepoint Durbin Debit Interchange and Routing Amendment EMV Chip Migration Escrow Mortgage Requirements FASB Accounting Rules for Loan Loss Reserves Faster Payments Federal Reserve Reform Fintech Limited Bank Charter Flood Insurance Reform Home Mortgage Disclosure Act (HMDA) Regulations Housing Finance Reform Innovation Initiative (FinTech) Interchange Military Bank Leases Military Lending Act Rules Mortgage Lending Reform Mutual Banks Online/Marketplace Lending Qualified Mortgages, Ability to Repay Rules Regulatory Burden for Community Banks Regulatory and Tax Relief for Community Banks SBA 7(a) Lending Limit Small Bank Holding Company Policy Statement TILA/RESPA Integrated Disclosures Implementation Virtual Currency Wells Fargo Account Opening Fraud

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

Government targets: Agriculture, Dept of (USDA), Consumer Financial Protection Bureau (CFPB), Defense, Dept of (DOD), Farm Credit Administration, Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Justice, Dept of (DOJ), Natl Credit Union Administration (NCUA), Office of the Comptroller of the Currency (OCC), SENATE, Small Business Administration (SBA), Treasury, Dept of, Veterans Affairs, Dept of (VA), White House Office

H.R. 5724 - United States-Colombia Trade Promotion Agreement Implementation Act.

Client expense: Not reported · Firm income: $90,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 2209: A bill to require the appropriate Federal banking agencies to treat certain municipal obligations as level 2A liquid assets, and for other purposes; Provisions related bank regulation. H.R. 2947: A bill to amend title 11 of the United States Code in order to facilitate the resolution of an insolvent financial institution in bankruptcy; Provisions related bankruptcy reform. H.R. 4450: To amend title 31, United States Code, to ensure that persons who form corporations or limited liability companies in the United States disclose the beneficial owners of those corporations or limited liability companies, in order to prevent wrongdoers from exploiting United States corporations and limited liability companies for criminal gain, to assist law enforcement in detecting, preventing, and punishing terrorism, money laundering, and other misconduct involving United States corporations and limited liability companies, and for other purposes; Provisions related to AML / BSA. H.R. 5027: A bill to amend the Federal Reserve Act to adjust the circumstances under which Federal reserve bank stock is callable, and for other purposes; Provisions related to Federal Reserve Bank Stock. H.R. 5485: Financial Services and General Government Appropriations Act, 2017; Provisions related to bankruptcy. H.R. 5724: Protecting Consumers' Access to Credit Card Act of 2016. A bill to amend the Revised Statutes of the US and the Federal Deposit Insurance Act to require the rate of interest on certain loans remain unchanged after transfer of the loan, and for other purposes; Provisions related to Federal Deposit Insurance Act. S. 1840: A bill to amend title 11, United States Code to provide for the liquidation, reorganization, or recapitalization of a covered financial corporation, and for other purposes; Provisions related to bankruptcy reform. S. 1841: A bill to amend title 11, United States Code to provide for the liquidation, reorganization, or recapitalization of a covered financial corporation, and for other purposes; Provisions related bankruptcy reform. S. 2489: A bill to ensure that persons who form corporations in the United States disclose the beneficial owners of those corporations, in order to prevent the formation of corporations with hidden owners, stop the misuse of United States corporations by wrongdoers, and assist law enforcement in detecting, preventing, and punishing terrorism, money laundering, tax evasion, and other criminal and civil misconduct involving United States corporations, and for other purposes; Provisions related to AML / BSA. S. 3067: Financial Services and General Government Appropriations Act, 2017: A bill making appropriations for financial services and general government for the FY ending September 30, 2017, and for other purposes; Provisions related to bankruptcy. S. 3404: A bill to amend the Federal Deposit Insurance Act to require the appropriate Federal banking agencies to treat certain municipal obligations as level 2B liquid assets, and for other purposes; Provisions related to liquidity coverage ratio.

Policies regarding online marketplace lending. H.R. 6118, Financial Services Innovation Act of 2016. H.R. 5725, IRS Data Verification Modernization Act of 2016. H.R. 5724, Protecting Consumers' Access to Credit Act of 2016.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Mobile payments, fraud, data security, patent reform, data storage regulatory reform, tax reporting, payments systems, cyber-security, financial services, merchant cash advances, privacy, the Federal Reserve and big data, Cuba trade embargo, CFPB appropriating process, CFPB prepaid products proposed rule (Prepaid Accounts Under Direct Electronic Transfer Act {Regulation E} and the Truth in Lending Act), Federal Reserve Secure Payments Task Force,the FCC Proposed Rules to Protect Broadband Consumer Privacy, H.R.1265-Bureau Advisory Commission Transparency Act, S.510 CFPB-IG Act of 2015, H.R.957-CFPB-IG Act of 2015, H.R. 2205-Data Security Act of 2015, H.R. 1195-Bureau of Consumer Financial Protection Advisory Boards Act, H.R.1266-Financial Product Safety Commission Act of 2015, H.R. 766-Financial Institution Customer Protection Act of 2016, H.R. 1770-The Data Security and Breach Notification Act of 2015, Executive Order 13673- Fair Pay and Safe Working place, Marketplace lending, Robocalling, Trans Pacific Partnership,H.R. 719-CFPB proposed rule governing pre-dispute arbitration agreements for consumer financial products and services.HR 1486-Taking Account of Bureaucrats Spending Act of 2015, H.R. 5724-Protecting Consumer Access to Credit Act of 2016, H.R. 6162-Protect Prepaid Accounts Act of 2016, H.R. 6118-Financial Services Innovations Act of 2016, H.RES. 835-National FinTech Policy Day, H.R. 5725-IRS Data Verification Modernization Act.

Client expense: $220,000 · Firm income: Not reported

H.R. 2209: A bill to require the appropriate Federal banking agencies to treat certain municipal obligations as level 2A liquid assets, and for other purposes; Provisions related bank regulation. H.R. 2947: A bill to amend title 11 of the United States Code in order to facilitate the resolution of an insolvent financial institution in bankruptcy; Provisions related bankruptcy reform. S. 1840: A bill to amend title 11, United States Code to provide for the liquidation, reorganization, or recapitalization of a covered financial corporation, and for other purposes; Provisions related to bankruptcy reform. S. 1841: A bill to amend title 11, United States Code to provide for the liquidation, reorganization, or recapitalization of a covered financial corporation, and for other purposes; Provisions related bankruptcy reform. H.R. 2205: A bill to protect financial information relating to consumers, to require notice of security breaches, and for other purposes; Provisions related to data security. H.R. 4450: A bill to amend title 31, United States Code, to ensure that persons who form corporations or limited liability companies in the United States disclose the beneficial owners of those corporations or limited liability companies, in order to prevent wrongdoers from exploiting United States corporations and limited liability companies for criminal gain, to assist law enforcement in detecting, preventing, and punishing terrorism, money laundering, and other misconduct involving United States corporations and limited liability companies, and for other purposes; Provisions related to AML / BSA. H.R. 5027: A bill to amend the Federal Reserve Act to adjust the circumstances under which Federal reserve bank stock is callable, and for other purposes; Provisions related to Federal Reserve Bank Stock. H.R. 5465: A bill to repeal section 1075 of the Consumer Protection Financial Act of 2010 relating to rules for payment card transactions, and for other purposes; Provisions related to interchange. H.R. 5485: Financial Services and General Government Appropriations Act, 2017; Provisions related to bankruptcy. H.R. 5606: A bill to facilitate better information sharing to assist in the fight against the funding of terrorist activities, and for other purposes; Provisions related to AML / BSA. S. 2040: Justice Against Sponsors of Terrorism Act: A bill to deter terrorism, provide justice for victims, and for other purposes; Provisions related to liability. S. 2489: A bill to ensure that persons who form corporations in the United States disclose the beneficial owners of those corporations, in order to prevent the formation of corporations with hidden owners, stop the misuse of United States corporations by wrongdoers, and assist law enforcement in detecting, preventing, and punishing terrorism, money laundering, tax evasion, and other criminal and civil misconduct involving United States corporations, and for other purposes; Provisions related to AML / BSA. H.R. 5724: Protecting Consumers' Access to Credit Card Act of 2016. A bill to amend the Revised Statutes of the US and the Federal Deposit Insurance Act to require the rate of interset on certain loans remain unchanged after transfer of the loan, and for other purposes; Provisions related to Federal Deposit Insurance Act. H.R. 5983: Financial CHOICE Act of 2016: A bill to create hope and opportunity for consumers, investors and entrepreneurs by ending bailouts and TBTF, holding Washington and Wall Street accountable, eliminating red tape to increase access to capital and credit, and repealing provisions of the DFA that make America less prosperous, less stable, less free, and for other purposes; Provisions related to capital regulation; bankruptcy. S. 961: A bill to protect information relating to consumers, to require notice of security breaches, and for other purposes; Provisions related to payment card transactions. S. 3067: Financial Services and General Government Appropriations Act, 2017: A bill making appropriations for financial services and general government for the FY ending September 30, 2017, and for other purposes; Provisions related to bankruptcy. S. 3404: A bill to amend the Federal Deposit Insurance Act to require the appropriate Federal banking agencies to treat certain municipal obligations as level 2B liquid assets, and for other purposes; Provisions related to liquidity coverage ratio. Issues relating to the convention on the law applicable to certain rights in respect of securities held with an intermediary; Provisions related to securities. DFA Title I, Implementation of Title I of Dodd-Frank; Provisions related to financial stability. Orderly Liquidation, Implementation of Title II of Dodd-Frank; Provisions related to bank resolution.

Policies regarding online marketplace lending. H.R. 6118, Financial Services Innovation Act of 2016. H.R. 5725, IRS Data Verification Modernization Act of 2016. H.R. 5724, Protecting Consumers' Access to Credit Act of 2016.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 5724 - United States-Colombia Trade Promotion Agreement Implementation Act.

Client expense: Not reported · Firm income: $90,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 5983, CHOICE Act (issues related to Consumer Financial Protection Bureau structure, powers) H.R. 5724, Protecting Consumers' Access to Credit Act of 2016 (issues related to Madden decision) H.R. 2205/S. 961, Data Security Act of 2015 (entire bill) Issues related to general consumer finance matters, payments, and Consumer Financial Protection Bureau (CFPB) regulatory matters including arbitration, debt collection, rewards, and deferred interest.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Supplemental capital issues, regulatory issues for credit unions and tax exemption status: HR185; HR 766; HR 957; HR 1133; HR 1176; HR 1188; HR 1266; HR 1422; HR 1486; HR 1529; HR 1550; HR 1660; HR 1661; HR 1941; HR 2099; HR 2213; HR 2473; HR 2642; HR 2769;HR 2896; HR 3557; HR 3738; HR 3808; HR 3857; HR 4099; HR 4210; HR 4248; HR 4500; HR 4538; HR 4647; HR 4894; HR 4913; HR 4997; HR 5112; HR 5211; HR 5413; HR 5419; HR 5453; HR 5465; HR 5490; HR 5491; HR 5521; HR 5522; HR 5523; HR 5527; HR 5569; HR 5724; HR 5869; HR 5991; HR 6118; HR 6162; HR 6244; HR 6266; S. 423; S. 482; S. 726; S. 774; S. 924; S. 970; S. 1383; S. 1440; S. 1484; S. 1491; S. 2038; S. 2216; S. 2315; S. 2663; S. 2722; S. 2760; S. 2790; S. 2995; 2.3083; S. 3153; S. 3196; S. 3215; S. 3219; S. 3321; data security and cybersecurity; patent reform; FHLB membership rules; CFPB and FSOC reform; and GSE reform.

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

H.R. 766 Financial Institution Customer Protection Act H.R. 1113 Portfolio Lending and Mortgage Access Act H.R. 1188 Credit Union Small Business Jobs Creation Act H.R. 1195 The Bureau of Consumer Financial Protection Small Business Advisory Board Act H.R. 1210 Portfolio Lending and Mortgage Access Act H.R. 1233 CLEAR Relief Act H.R. 1334 Holding Company Registration Threshold Equalization Act of 2015 H.R. 1523 Community Bank Access to Capital Act H.R. 1529 The Community Institution Mortgage Relief Act H.R. 1553 Small Bank Exam Cycle Reform Act H.R. 1660 The Federal Savings Association Charter Flexibility Act H.R. 1661 Mutual Bank Capital Opportunity Act H.R. 1766 Right to Lend Act of 2015 H.R. 2205 Data Security Act of 2015 H.R. 2896 Tailor Act of 2015 H.R. 2987 Community Bank Capital Clarification Act H.R. 3791 A bill to increase Small Bank Holding Policy Statement threshold from $1B to $5B in assets H.R. 4099 CFPB Exam and Reporting Threshold Act H.R. 4116 To amend the Federal Deposit Insurance Act to ensure that reciprocal deposits are not considered to be funds obtained by or through a deposit broker H.R. 4500 The Community Bank Reporting Relief Act H.R. 4909 National Defense Authorization Act of 2017 H.R. 4997 The Home Mortgage Disclosure Adjustment Act H.R. 5076 Main Street Parity Act H.R. 5465 To repeal section 1075 of the Consumer Financial Protection Act of 2010 relating to rules for payment card transactions, and for other purposes. H.R. 5485 Financial Services and General Government Appropriations Act of 2017 H.R. 5724 The Protecting Consumers Access to Credit Act of 2016 H.R. 5808 EGRPRA Review Frequency H.R. 5983 The Financial CHOICE Act S. 812 The CLEAR Relief Act S. 927 CLEAR Relief Plus Act S. 961 Data Security Act of 2015 S. 970 18-Month Exam Cycle S. 1484 Financial Regulatory Improvement Act S. 1491 Community Lender Regulatory Relief and Consumer Protection Act S. 1816 Community Bank Access to Capital Act S. 2471 401 (Kids) Education Savings Account Act of 2016 S. 2722 Federal Savings Association Charter Flexibility Act - all provisions S. 2943 National Defense Authorization Act of 2017 S. 2992 Small Business Lending Oversight Act S. 3067 Financial Services and General Government Appropriations Act of 2017 S. 3153 The Tailor Act. S. 3215 To amend the Home Mortgage Disclosure Act of 1975 to specify which depository institutions are subject to the maintenance of records and disclosure requirements of such Act, and for other purposes S. 3373 A bill to amend the Federal Deposit Insurance Act to ensure that the reciprocal deposits of an insured depository institution are not considered to be funds obtained by or through a deposit broker, and for other purposes S. 3404 A bill to amend the Federal Deposit Insurance Act to require the appropriate Federal banking agencies to treat certain municipal obligations as level 2B liquid assets, and for other purposes Call Report Streamlining Capital Access for Community Banks Capital Rules--Basel III CFPB Data Collection CFPB Overdraft CFPB Reforms/Governance CFPB Small Business Data Collection CFPB Small Dollar/Payday Lending Credit Union Business Lending Powers Credit Union Field of Membership Cybersecurity - Information Sharing Data Security and Breaches De Novo Bank Applications Department of Justice Operation Chokepoint Durbin Debit Interchange and Routing Amendment EMV Chip Migration Escrow Mortgage Requirements FASB Accounting Rules for Loan Loss Reserves Faster Payments Federal Reserve Reform Fintech Limited Bank Charter Flood Insurance Reform Home Mortgage Disclosure Act (HMDA) Regulations Housing Finance Reform Innovation Initiative (FinTech) Interchange Military Bank Leases Military Lending Act Rules Mortgage Lending Reform Mutual Banks Nominations of Allan Landon and Kathryn Dominguez to the Board of Governors of the Federal Reserve System Online/Marketplace Lending Qualified Mortgages, Ability to Repay Rules Regulatory Burden for Community Banks Regulatory and Tax Relief for Community Banks SBA 7(a) Lending Limit Small Bank Holding Company Policy Statement TILA/RESPA Integrated Disclosures Implementation Too Big To Fail Virtual Currency Wells Fargo Account Opening Fraud

Mobile payments, fraud, data security, patent reform, data storage regulatory reform, tax reporting, payments systems, cyber-security, financial services, merchant cash advances, privacy, the Federal Reserve and big data, Cuba trade embargo, CFPB appropriating process, CFPB prepaid products proposed rule (Prepaid Accounts Under Direct Electronic Transfer Act {Regulation E} and the Truth in Lending Act), Federal Reserve Secure Payments Task Force,the FCC Proposed Rules to Protect Broadband Consumer Privacy, H.R.1265-Bureau Advisory Commission Transparency Act, S.510 CFPB-IG Act of 2015, H.R.957-CFPB-IG Act of 2015, H.R. 2205-Data Security Act of 2015, H.R. 1195-Bureau of Consumer Financial Protection Advisory Boards Act, H.R.1266-Financial Product Safety Commission Act of 2015, H.R. 766-Financial Institution Customer Protection Act of 2016, H.R. 1770-The Data Security and Breach Notification Act of 2015, Executive Order 13673- Fair Pay and Safe Working place, Marketplace lending, Robocalling, Trans Pacific Partnership,H.R. 719-CFPB proposed rule governing pre-dispute arbitration agreements for consumer financial products and services.HR 1486-Taking Account of Bureaucrats' Spending Act of 2015, H.R. 5724-Protecting Consumer Access to Credit Act of 2016, S.3067-Financial Services and General Government Appropriations Act, 2017, H.R.5485-2017 Financial Services and General Government Appropriation, H.R. 6162-Protect Prepaid Accounts Act of 2016, H.R. 6118-Financial Services Innovations Act of 2016, H.RES. 835-National FinTech Policy Day, H.R. 5725-IRS Data Verification Modernization Act.

Client expense: $220,000 · Firm income: Not reported

H.R. 5724 - United States-Colombia Trade Promotion Agreement Implementation Act.

Client expense: Not reported · Firm income: $90,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Mobile payments, fraud, data security, patent reform, data storage regulatory reform, tax reporting, payments systems, cyber-security, financial services, merchant cash advances, Privacy, the Federal Reserve and big data, Cuba trade embargo, CFPB Appropriating Process, CFPB prepaid products proposed rule (Prepaid Accounts Under Direct Electronic Transfer Act {Regulation E} and the Truth in Lending Act), Federal Reserve Secure Payments Task Force,the FCC Proposed Rules to Protect Broadband Consumer Privacy, H.R.1265-Bureau Advisory Commission Transparency Act, S.510 CFPB-IG Act of 2015, H.R.957-CFPB-IG Act of 2015, H.R. 1195-Data Security Act of 2015, Bureau of Consumer Financial Protection Advisory Boards Act, H.R.1266-Financial Product Safety Commission Act of 2015, H.R. 766-Financial Institution Customer Protection Act of 2016, H.R. 1770 The Data Security and Breach Notification Act of 2015, Executive Order 13673- Fair Pay and Safe Working place, Marketplace Lending, Robocalling, Trans Pacific Partnership,H.R. 719-CFPB proposed rule governing pre-dispute arbitration agreements for consumer financial products and services.HR 1486-Taking Account of Bureaucrats' Spending Act of 2015, H.R. 5724-Protecting Consumer Access to Credit Act of 2016, Financial Services and General Government Appropriations Act, 2017, H.R.5485-2017 Financial Services and General Government Appropriation

Client expense: $220,000 · Firm income: Not reported

H.R. 5724 - United States-Colombia Trade Promotion Agreement Implementation Act.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 5724 - United States-Colombia Trade Promotion Agreement Implementation Act.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 5724 - United States-Colombia Trade Promotion Agreement Implementation Act.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 5724 - United States-Colombia Trade Promotion Agreement Implementation Act.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 5724 - United States-Colombia Trade Promotion Agreement Implementation Act.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 5724 - United States-Colombia Trade Promotion Agreement Implementation Act.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE