Practice of Law Technical Clarification Act of 2017

Implementation of Title X, P.L. 111-203, Dodd-Frank Wall Street Reform and Consumer Protection Act. H.R. 1849 and H.R. 4550, Practice of Law Technical Clarification Act of 2017, entire bill.

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

Government targets: Consumer Financial Protection Bureau (CFPB), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, SENATE

Issues related to Fair Debt Collection Practices Act Rulemaking Issues related to Fair Debt Collection Practices Act Rule SBREFA Process Issues related to Bureau of Consumer Financial Protection Consumer Complaint Reporting Issues related to Bureau of Consumer Financial Protection H.R. 1849/H.R 4550- Practice of Law Technical Clarification Act-amends the Fair Debt Collection Practices Act to exclude law firms and licensed attorneys who are engaged in activities related to legal proceedings from the definition of debt collector and amends the Consumer Financial Protection Act from exercising supervisory or enforcement authority. S. 105 - Consumer Financial Protection Board Act - to amend the Consumer Financial Protection Act of 2010 to transition the BCFP to a 5 member board of directors. S. 387-Consumer Financial Protection Bureau Accountablity Act-To amend the Consumer Protection Act of 2010 to bring the BCFP under the congressional appropriation process. H.R. 10 - Financial CHOICE Act. Legislation to scale back regulations enacted by the 2010 Dodd-Frank Act. H.R. 2706-The Financial Institution Consumer Protection Act. A bill which prohibits federal regulators from directly or indirectly coercing banks to terminate relationship with legitimate business entities. H. R. 864 Stop Debt Collection Abuse Act - Amend the Fair Debt Collection Act to restrict debt collection practices. S 575 - Stop Debt Collection Abuse Act - Mandates all federal agencies debt collection be subject to Fair Debt Collection Practices Act. S. 2155 - Economic Growth, Regulatory Relief, and Consumer Protection Act - To promote economic growth, provide tailored regulatory relief, and enhance consumer protection. H.R. 2683 - The Protecting Veteran Credit Act - To amend the Fair Debt Collection Act to exclude certain medical debt incurred by a veteran from their credit report if the medical service predates the credit report by less than one year. H.R. 5266 - The Financial Product Safety Commission Act - To amend the Consumer Financial Protection Act to rename the BCFP the Financial Product Safety Commission and change the leadership structure from a single director to a 5 member bipartisan commission to lead the BCFP H.R. 5534 - The Give Useful Information to Define Effective Compliance Act ("GUIDE" Compliance Act") which would require the Bureau Director to issue guidance that is necessary or appropriate to enable the Bureau to carry out Federal consumer financial law, including facilitating compliance with such law.

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

Issues related to Fair Debt Collection Practices Act Rulemaking Issues related to Fair Debt Collection Practices Act Rule SBREFA Process Issues related to Bureau of Consumer Financial Protection Consumer Complaint Reporting Issues related to Bureau of Consumer Financial Protection H.R. 1849/H.R 4550- Practice of Law Technical Clarification Act-amends the Fair Debt Collection Practices Act to exclude law firms and licensed attorneys who are engaged in activities related to legal proceedings from the definition of debt collector and amends the Consumer Financial Protection Act from exercising supervisory or enforcement authority. S. 105 - Consumer Financial Protection Board Act - to amend the Consumer Financial Protection Act of 2010 to transition the BCFP to a 5 member board of directors. S. 387-Consumer Financial Protection Bureau Accountablity Act-To amend the Consumer Protection Act of 2010 to bring the BCFP under the congressional appropriation process. S. 365-Consumer Financial Protection Act to terminate BCFP's funding. H.R. 10 - Financial CHOICE Act. Legislation to scale back regulations enacted by the 2010 Dodd-Frank Act. H.R. 2706-The Financial Institution Consumer Protection Act. A bill which prohibits federal regulators from directly or indirectly coercing banks to terminate relationship with legitimate business entities. H. R. 864 Stop Debt Collection Abuse Act - Amend the Fair Debt Collection Act to restrict debt collection practices. S 575 - Stop Debt Collection Abuse Act - Mandates all federal agencies debt collection be subject to Fair Debt Collection Practices Act. S. 2155 - Economic Growth, Regulatory Relief, and Consumer Protection Act - To promote economic growth, provide tailored regulatory relief, and enhance consumer protection. H.R. 2683 - The Protecting Veteran Credit Act - To amend the Fair Debt Collection Act to exclude certain medical debt incurred by a veteran from their credit report if the medical service predates the credit report by less than one year. H.R. 5266 - The Financial Product Safety Commission Act - To amend the Consumer Financial Protection Act to rename the BCFP the Financial Product Safety Commission and change the leadership structure from a single director to a 5 member bipartisan commission to lead the BCFP H.R. 5534 - The Give Useful Information to Define Effective Compliance Act ("GUIDE" Compliance Act") which would require the Bureau Director to issue guidance that is necessary or appropriate to enable the Bureau to carry out Federal consumer financial law, including facilitating compliance with such law.

Implementation of Title X, P.L. 111-203, Dodd-Frank Wall Street Reform and Consumer Protection Act. H.R. 1849 and H.R. 4550, Practice of Law Technical Clarification Act of 2017, entire bill.

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

Government targets: Consumer Financial Protection Bureau (CFPB), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

Implementation of Title X, P.L. 111-203, Dodd-Frank Wall Street Reform and Consumer Protection Act. H.R. 1849 and H.R. 4550, Practice of Law Technical Clarification Act of 2017, entire bill.

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

Government targets: Consumer Financial Protection Bureau (CFPB), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

H.R. 10, Financial CHOICE Act of 2017 H.R. 21/S. 34, Midnight Rules Relief Act of 2017 H.R. 78, SEC Regulatory Accountability Act H.R. 79, Helping Angels Lead Our Startups (HALOS) Act H.R. 238, Commodity End-User Relief Act H.R. 477, Small Business Mergers, Acquisitions, Sales, and Brokerage Simplification Act of 2017 H.R. 910/S. 327, Fair Access to Investment Research Act of 2017 H.R. 1116, Taking Account of Institutions with Low Operation Risk (TAILOR) Act of 2017 H.R. 1153, Mortgage Choice Act of 2017 H.R. 1219/S. 444, Supporting America's Innovators Act of 2017 H.R. 1257, Securities and Exchange Commission Overpayment Credit Act H.R. 1312/S. 416, Small Business Capital Formation Enhancement Act H.R. 1343, Encouraging Employee Ownership Act of 2017 H.R. 1457, Making Online Banking Initiation Legal and Easy (MOBILE) Act of 2017 H.R. 1585, Fair Investment Opportunities for Professional Experts Act H.R. 1611, Gender Diversity in Corporate Leadership Act of 2017 H.R. 1645, Fostering Innovation Act of 2017 H.R. 1849, Practice of Law Technical Clarification Act of 2017 H.R. 2201, Micro Offering Safe Harbor Act H.R. 2226/S. 2013, Portfolio Lending and Mortgage Access Act H.R. 2319, Consumer Financial Choice and Capital Markets Protection Act of 2017 H.R. 2396, Privacy Notification Technical Clarification Act H.R. 2553, Taking Account of Bureaucrats Spending (TABS) Act of 2017 H.R. 2706, Financial Institution Customer Protection Act of 2017 H.R. 3089, Corporate Transparency Act of 2017 H.R. 3093, Investor Clarity and Bank Parity Act H.R. 3110, Financial Stability Oversight Council Insurance Member Continuity Act H.R. 3179, Transparency and Accountability for Business Standards Act H.R. 3299, Protecting Consumers' Access to Credit Act of 2017 H.R. 3312/S. 1893, Systemic Risk Designation Improvement Act of 2017 H.R. 3746, Business of Insurance Regulatory Reform Act of 2017 H.R. 3762, International Insurance Standards Act of 2017 H.R. 3857, Protecting Advice for Small Savers (PASS) Act of 2017 H.R. 3860, IRS Data Verification Modernization Act of 2017 H.R. 3861, Federal Insurance Office Reform Act of 2017 H.R. 3903, Encouraging Public Offerings Act of 2017 H.R. 3911, Risk-Based Credit Examination Act H.R. 3948, Protection of Source Code Act H.R. 3972, Family Office Technical Correction Act of 2017 H.R. 3973, Market Data Protection Act of 2017 H.R. 3978, TRID Improvement Act of 2017 H.R. 4015, Corporate Governance Reform and Transparency Act of 2017 H.R. 4028/S. 1982, Promoting Responsible Oversight of Transactions and Examinations of Credit Technology (PROTECT) Act of 2017 H.R. 4061, Financial Stability Oversight Council Improvement Act of 2017 H.R. 4248, To amend the Securities Exchange Act of 1934 to repeal certain disclosure requirements related to conflict minerals, and for other purposes H.R. 4263, Regulation A+ Improvement Act of 2017 H.R. 4267, Small Business Credit Availability Act H.R. 4279, Expanding Investment Opportunities Act H.R. 4281, Expanding Access to Capital for Rural Job Creators Act H.R. 4289, To amend the Dodd-Frank Wall Street Reform and Consumer Protection Act to repeal certain disclosure requirements related to coal and mine safety H.R. 4292, Financial Institution Living Will Improvement Act of 2017 H.R. 4293, Stress Test Improvement Act of 2017 H.R. 4294, Prevention of Private Information Dissemination Act of 2017 H.R. 4296, To place requirements on operational risk capital requirements for banking organizations established by an appropriate Federal banking agency H.R. 4311, Foreign Investment Risk Review Modernization Act of 2017 H.R. 4519, To amend the Securities Exchange Act of 1934 to repeal certain disclosure requirements related to resource extraction, and for other purposes H.R. 4529, Accelerating Access to Capital Act of 2017 H.R. 4537, International Insurance Standards Act of 2017 H.R. 4545, Financial Institutions Examination Fairness and Reform Act H.R. 4550, Practice of Law Technical Clarification Act of 2017 H.R. 4566, Alleviating Stress Test Burdens to Help Investors Act H.R. 4607, Comprehensive Regulatory Review Act H.R. 4659, To require the appropriate Federal banking agencies to recognize the exposure-reducing nature of client margin for cleared derivatives H.R. 4771, Small Bank Holding Company Relief Act of 2018 H.R. 4861, Ensuring Quality Unbiased Access to Loans (EQUAL) Act of 2018 H.R. 5051, Public Company Registration Threshold Act H.R. 5323, Derivatives Fairness Act S. 366, Taking Account of Institutions with Low Operation Risk (TAILOR) Act of 2017 S. 462, Securities and Exchange Commission Overpayment Credit Act S. 488, Encouraging Employee Ownership Act S. 536, Cybersecurity Disclosure Act of 2017 S. 1241, Combating Money Laundering, Terrorist Financing, and Counterfeiting Act of 2017 S. 1284, Community Bank Relief Act S. 1454, True Incorporation Transparency for Law Enforcement (TITLE) Act S. 1463, Financial Stability Oversight Council Insurance Member Continuity Act S. 1717, Corporate Transparency Act of 2017 S. 2098, Foreign Investment Risk Review Modernization Act of 2017 S. 2155, Economic Growth, Regulatory Relief, and Consumer Protection Act S. 2282, Bankruptcy Venue Reform Act of 2018 S. 2498, Protecting Children From Identity Theft Act Draft legislation titled Credit Services Protection Act of 2017 Draft legislation titled Counter Terrorism and Illicit Finance Act Draft legislation titled Data Acquisition and Technology Accountability and Security Act Potential legislation similar to H.R. 1090, Retail Investor Protection Act (114th Cong.) Potential legislation similar to H.R. 4294, Strengthening Access to Valuable Education and Retirement Support (SAVERS) Act of 2015 Final regulation on definition of the term "fiduciary"; conflict of interest rule--retirement investment advice (81 Fed. Reg. 20,946-21,002, April 8, 2016) Proposed regulations on universal proxy (81 Fed. Reg. 79,122-79,186, November 10, 2016) Joint advance notice of proposed rulemaking on enhanced cyber risk management standards (81 Fed. Reg. 74,315-74,326, October 26, 2016) Proposed rule on regulations Q and Y; risk-based capital and other regulatory requirements for activities of financial holding companies related to physical commodities and risk-based capital requirements for merchant banking investments (81 Fed. Reg. 67,220-67,239, September 30, 2016) Nomination of Governor Jerome Powell to serve as Chairman of the Board of Governors of the Federal Reserve System Nomination of Jelena McWilliams to be Chair of the Federal Deposit Insurance Corporation Various issues relating to the implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act (P.L. 111-203); implementation of the Jumpstart Our Business Startups Act (P.L. 112-106); Executive Order 13772, Core Principles for Regulating the United States Financial System; Presidential Memorandum for the Secretary of the Treasury regarding Orderly Liquidation Authority; Basel III capital standards, bank capital, and liquidity reform; Consumer Financial Protection Bureau (CFPB) transparency and accountability; CFPB consumer complaint database; CFPB reform; anti-money laundering and Bank Secrecy Act (P.L. 91-508) improvements; Notice of Stakeholder Consultations on Responsible Conflict Mineral Sourcing; Financial Industry Regulatory Authority (FINRA) engagement initiative; political spending disclosures; systemic risk regulation and Financial Stability Oversight Council (FSOC) designation of non-bank financial companies; Financial Stability Oversight Council (FSOC) reform; Department of Treasury review of FSOC determination and designation process; Federal Reserve: Enhanced Disclosure of the Models Used in the Federal Reserves Supervisory Stress Test, Docket No. OP-1586; Stress Testing Policy Statement, Docket No. OP-1587; Policy Statement on the Scenario Design Framework for Stress Testing, Docket No. OP-1588; Office of Financial Research transparency and accountability; reform of international standard setting bodies including Financial Stability Board, International Association of Insurance Supervisors and Basel Committee on Banking Supervision; Federal Reserve reform; Federal Reserve proposed guidance on supervisory expectation for boards of directors 2017-16735; proxy voting systems; Security Exchange Commission conflict mineral rule; Security Exchange Commission pay ratio rule; Security Exchange Commission Advisory Committee on Small and Emerging Companies; Security Exchange Commission request for information regarding standards of conduct for investment advisors and broker-dealers; Security Exchange Commission staff legal bulletin 141 (CF) shareholder proposals; Security Exchange Commission FAST Act (P.L. 114-94) modernization and simplification of regulations S-K file no. S7-08-17; disclosure requirements and materiality; JOBS Act 2.0; potential legislation to create legal framework for venture exchange; credit bureau issues; tailoring bank rules to reduce the burden on small, midsize, and regional banks; beneficial ownership; reforms to the Committee on Foreign Investment in the United States; modernization of the Community Reinvestment Act (P.L. 95-128); application of Customer Identification Program requirements under anti-money laundering rules to bank-affiliated premium finance companies; application of the May 2016 Customer Due Diligence Rule to routine cash refunds issued by bank-affiliated premium finance companies; proposals to audit the Board of Governors of the Federal Reserve System; small business lending

H.R. 1849/H.R 4550- Practice of Law Technical Clarification Act-amends the Fair Debt Collection Practices Act to exclude law firms and licensed attorneys who are engaged in activities related to legal proceedings from the definition of debt collector and amends the Consumer Financial Protection Act from exercising supervisory or enforcement authority. S. 105 - Consumer Financial Protection Board Act - to amend the Consumer Financial Protection Act of 2010 to transition the CFPB to a 5 member board of directors. S. 387-Consumer Financial Protection Bureau Accountablity Act-To amend the Consumer Protection Act of 2010 to bring the CFPB under the congressional appropriation process. S. 370 - Bureau of Consumer Financial Protection Repeal of Title X - repeal Title X. S. 365-Consumer Financial Protection Act to terminate CFPB's funding. H.R. 10 - Financial CHOICE Act. Legislation to scale back regulations enacted by the 2010 Dodd-Frank Act. H.R. 2706 The Financial Institution Consumer Protection Act. A bill which prohibits federal regulators from directly or indirectly coercing banks to terminate relationship with legitimate business entities. H. R. 864 Stop Debt Collection Abuse Act - To amend Fair Debt Collection Act to restrict debt collection practices. S 575. Stop Debt Collection Abuse Act - mandates all federal agencies debt collection be subject to Fair Debt Collection Practices Act. H.R. 2683, the Protecting Veteran Credit Act - To amend the Fair Debt Collection Act to exclude certain medical debt incurred by a veteran from their credit report if the medical service predates the credit report by less than one year. H.R. 5266, The Financial Product Safety Commission Act - To amend the Consumer Financial Protection Act to rename the CFPB the Financial Product Safety Commission and change the leadership structure from a single director to a 5 member bipartisan commission to lead the CFPB

Implementation of Title X, P.L. 111-203, Dodd-Frank Wall Street Reform and Consumer Protection Act. H.R. 1849 and H.R. 4550, Practice of Law Technical Clarification Act of 2017, entire bill.

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

Government targets: Consumer Financial Protection Bureau (CFPB), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

Implementation of Title X, P.L. 111-203, Dodd-Frank Wall Street Reform and Consumer Protection Act. H.R. 1849 and H.R. 4550, Practice of Law Technical Clarification Act of 2017, entire bill.

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

Government targets: Consumer Financial Protection Bureau (CFPB), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

Issues related to HR 1849

Client expense: Not reported · Firm income: $40,000

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

H.R. 10, Financial CHOICE Act of 2017 H.R. 21/S. 34, Midnight Rules Relief Act of 2017 H.R. 78, SEC Regulatory Accountability Act H.R. 79, Helping Angels Lead Our Startups (HALOS) Act H.R. 238, Commodity End-User Relief Act H.R. 477, Small Business Mergers, Acquisitions, Sales, and Brokerage Simplification Act of 2017 H.R. 910/S. 327, Fair Access to Investment Research Act of 2017 H.R. 1116, Taking Account of Institutions with Low Operation Risk (TAILOR) Act of 2017 H.R. 1153, Mortgage Choice Act of 2017 H.R. 1219/S. 444, Supporting America's Innovators Act of 2017 H.R. 1257, Securities and Exchange Commission Overpayment Credit Act H.R. 1312/S. 416, Small Business Capital Formation Enhancement Act H.R. 1343, Encouraging Employee Ownership Act of 2017 H.R. 1457, Making Online Banking Initiation Legal and Easy (MOBILE) Act of 2017 H.R. 1585, Fair Investment Opportunities for Professional Experts Act H.R. 1611, Gender Diversity in Corporate Leadership Act of 2017 H.R. 1645, Fostering Innovation Act of 2017 H.R. 1849, Practice of Law Technical Clarification Act of 2017 H.R. 2201, Micro Offering Safe Harbor Act H.R. 2226, Portfolio Lending and Mortgage Access Act H.R. 2319, Consumer Financial Choice and Capital Markets Protection Act of 2017 H.R. 2359, FCRA Liability Harmonization Act H.R. 2396, Privacy Notification Technical Clarification Act H.R. 2553, Taking Account of Bureaucrats Spending (TABS) Act of 2017 H.R. 2706, Financial Institution Customer Protection Act of 2017 H.R. 3089, Corporate Transparency Act of 2017 H.R. 3093, Investor Clarity and Bank Parity Act H.R. 3110, Financial Stability Oversight Council Insurance Member Continuity Act H.R. 3179, Transparency and Accountability for Business Standards Act H.R. 3299, Protecting Consumers' Access to Credit Act of 2017 H.R. 3312, Systemic Risk Designation Improvement Act of 2017 H.R. 3746, Business of Insurance Regulatory Reform Act of 2017 H.R. 3762, International Insurance Standards Act of 2017 H.R. 3857, Protecting Advice for Small Savers (PASS) Act of 2017 H.R. 3861, Federal Insurance Office Reform Act of 2017 H.R. 3903, Encouraging Public Offerings Act of 2017 H.R. 3911, Risk-Based Credit Examination Act H.R. 3948, Protection of Source Code Act H.R. 3971, Community Institution Mortgage Relief Act of 2017 H.R. 3972, Family Office Technical Correction Act of 2017 H.R. 3973, Market Data Protection Act of 2017 H.R. 3978, TRID Improvement Act of 2017 H.R. 4015, Corporate Governance Reform and Transparency Act of 2017 H.R. 4028/S. 1982, Promoting Responsible Oversight of Transactions and Examinations of Credit Technology (PROTECT) Act of 2017 H.R. 4061, Financial Stability Oversight Council Improvement Act of 2017 H.R. 4248, To amend the Securities Exchange Act of 1934 to repeal certain disclosure requirements related to conflict minerals, and for other purposes H.R. 4263, Regulation At Improvement Act of 2017 H.R. 4267, Small Business Credit Availability Act H.R. 4279, Expanding Investment Opportunities Act H.R. 4281, Expanding Access to Capital for Rural Job Creators Act H.R. 4289, To amend the Dodd-Frank Wall Street Reform and Consumer Protection Act to repeal certain disclosure requirements related to coal and mine safety H.R. 4292, Financial Institution Living Will Improvement Act of 2017 H.R. 4293, Stress Test Improvement Act of 2017 H.R. 4294, Prevention of Private Information Dissemination Act of 2017 H.R. 4296, To place requirements on operational risk capital requirements for banking organizations established by an appropriate Federal banking agency H.R. 4311, Foreign Investment Risk Review Modernization Act of 2017 H.R. 4519, To amend the Securities Exchange Act of 1934 to repeal certain disclosure requirements related to resource extraction, and for other purposes H.R. 4529, Accelerating Access to Capital Act of 2017 H.R. 4545, Financial Institutions Examination Fairness and Reform Act H.R. 4566, Alleviating Stress Test Burdens to Help Investors Act S. 366, Taking Account of Institutions with Low Operation Risk (TAILOR) Act of 2017 S. 462, Securities and Exchange Commission Overpayment Credit Act S. 488, Encouraging Employee Ownership Act S. 536, Cybersecurity Disclosure Act of 2017 S. 1241, Combating Money Laundering, Terrorist Financing, and Counterfeiting Act of 2017 S. 1284, Community Bank Relief Act S. 1454, True Incorporation Transparency for Law Enforcement (TITLE)Act S. 1463, Financial Stability Oversight Council Insurance Member Continuity Act S. 1717, Corporate Transparency Act of 2017 S. 1893, Systemic Risk Designation Improvement Act of 2017 S. 2098, Foreign Investment Risk Review Modernization Act of 2017 S. 2155, Economic Growth, Regulatory Relief, and Consumer Protection Act H.J. Res. 111/S.J. Res. 47, Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Arbitration Agreements" Draft legislation titled Credit Services Protection Act of 2017 Draft legislation titled Counter Terrorism and Illicit Finance Act Potential legislation similar to H.R 1090, Retail Investor Protection Act (114th Cong.) Potential legislation similar to H.R. 4294, Strengthening Access to Valuable Education and Retirement Support (SAVERS) Act of 2015 Potential legislation similar to H.R. 347, Facilitating Access to Credit Act of 2015 Final regulation on definition of the term "fiduciary"; conflict of interest rule--retirement investment advice (81 Fed. Reg. 20,946-21,002, April 8, 2016) Proposed regulations on universal proxy (81 Fed. Reg. 79,122-79,186, November 10, 2016) Joint advance notice of proposed rulemaking on enhanced cyber risk management standards (81 Fed. Reg. 74,315-74,326, October 26, 2016) Proposed rule on regulations Q and Y; risk-based capital and other regulatory requirements for activities of financial holding companies related to physical commodities and risk-based capital requirements for merchant banking investments (81 Fed. Reg. 67,220-67,239, September 30, 2016) Nomination of Governor Jerome Powell to serve as Chairman of the Board of Governors of the Federal Reserve System Various issues relating to the implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act (P.L. 111-203); implementation of the Jumpstart Our Business Startups Act (P.L. 112-106); Executive Order 13772, Core Principles for Regulating the United States Financial System; Presidential Memorandum for the Secretary of the Treasury regarding Orderly Liquidation Authority; Basel III capital standards, bank capital, and liquidity reform; Consumer Financial Protection Bureau (CFPB) transparency and accountability; CFPB consumer complaint database; CFPB reform; CFPB arbitration rulemaking; Community Reinvestment Act (P.L. 95-128) modernization; anti-money laundering and Bank Secrecy Act (P.L. 91-508) improvements; Notice of Stakeholder Consultations on Responsible Conflict Mineral Sourcing; Financial Industry Regulatory Authority (FINRA) engagement initiative; political spending disclosures; systemic risk regulation and Financial Stability Oversight Council (FSOC) designation of non-bank financial companies; Financial Stability Oversight Council (FSOC) reform; Department of Treasury review of FSOC determination and designation process; Office of Financial Research transparency and accountability; reform of international standard setting bodies including Financial Stability Board, International Association of Insurance Supervisors and Basel Committee on Banking Supervision; Federal Reserve reform; Federal Reserve proposed guidance on supervisory expectation for boards of directors 2017-16735; proxy voting systems; Security Exchange Commission conflict mineral rule; Security Exchange Commission pay ratio rule; Security Exchange Commission Advisory Committee on Small and Emerging Companies; Security Exchange Commission request for information regarding standards of conduct for investment advisors and broker-dealers; Security Exchange Commission staff legal bulletin 141 (CF) shareholder proposals; Security Exchange Commission FAST Act (P.L. 114-94) modernization and simplification of regulations S-K file no. S7-08-17; disclosure requirements and materiality; JOBS Act 2.0; Small Business Lending Market, Docket No. CFPB-2017-0011; Consumer Credit Market, Docket No. CFPB-2017-0006; potential legislation to create legal framework for venture exchange; credit bureau issues; tailoring bank rules to reduce the burden on small, midsize, and regional banks; beneficial ownership; reforms to the Committee on Foreign Investment in the United States; modernization of the Community Reinvestment Act (P.L. 95-128)

Implementation of Title X, P.L. 111-203, Dodd-Frank Wall Street Reform and Consumer Protection Act. H.R. 1849 and H.R. 4550, Practice of Law Technical Clarification Act of 2017, entire bill.

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

Government targets: Consumer Financial Protection Bureau (CFPB), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

Implementation of Title X, P.L. 111-203, Dodd-Frank Wall Street Reform and Consumer Protection Act. H.R. 1849 and H.R. 4550, Practice of Law Technical Clarification Act of 2017, entire bill.

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

Government targets: Consumer Financial Protection Bureau (CFPB), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

H.R. 1849/H.R 4550- Practice of Law Technical Clarification Act-amends the Fair Debt Collection Practices Act to exclude law firms and licensed attorneys who are engaged in activities related to legal proceedings from the definition of debt collector and amends the Consumer Financial Protection Act from exercising supervisory or enforcement authority. S. 105 - Consumer Financial Protection Board Act - to amend the Consumer Financial Protection Act of 2010 to transition the CFPB to a 5 member board of directors. S. 387-Consumer Financial Protection Bureau Accountablity Act-To amend the Consumer Protection Act of 2010 to bring the CFPB under the congressional appropriation process. S. 370 - Bureau of Consumer Financial Protection Repeal of Title X - repeal Title X. S. 365-Consumer Financial Protection Act to terminate CFPB's funding. H.R. 10 - Financial CHOICE Act. Legislation to scale back regulations enacted by the 2010 Dodd-Frank Act. H.R. 2706 The Financial Institution Consumer Protection Act. A bill which prohibits federal regulators from directly or indirectly coercing banks to terminate relationship with legitimate business entities. H. R. 864 Stop Debt Collection Abuse Act - To amend Fair Debt Collection Act to restrict debt collection practices. S 575. Stop Debt Collection Abuse Act - mandates all federal agencies debt collection be subject to Fair Debt Collection Practices Act. H.R. 2683, the Protecting Veteran Credit Act - To amend the Fair Debt Collection Act to exclude certain medical debt incurred by a veteran from their credit report if the medical service predates the credit report by less than one year.

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

Support Wall Street Reform; support the CFPB. Oppose attempts to weaken Dodd-Frank Oppose HR 5, the Regulatory Accountability Act; Oppose HR 78, the SEC Accountability Act; Oppose HR 238, the Commodity End User Relief Act Oppose proposed OCC white paper proposing the issuance of a special purpose national bank charter to financial technology (fintech) companies. Support restoration of language to the FHA form mortgage contract that promotes compliance with regulations addressing foreclosure alternatives Support expanded protections for borrowers with limited English proficiency in the CFPBs debt collection rule Support a single Director of the CFPB; oppose changing the leadership of the CFPB to a commission Support Section 1033 of the Dodd Frank Act regarding consumer access to data Oppose H. J. Res. 62; Support CFPB Prepaid Card rule Support Congresswoman Waters Comprehensive Consumer Credit Reporting Reform Act Oppose delay in fiduciary rule Support the Administration taking immediate steps to shore up the capital position of Fannie Mae and Freddie Mac Support S. 838, the Protecting Americans from Credit Entanglements Act of 2017 Oppose proposed 6-month extension of the effective date for complying with the CFPBs final prepaid accounts rule Support HR 970, the Improving Corporate Governance Through Diversity Act Oppose any proposals that weaken controls on harmful financial practices in the name of "economic growth". Support a review and amendment of the Bank Secrecy Act and Anti Money Laundering rules compliance Support the CFPB Oppose changes to the funding stream or management structure of the CFPB Oppose Financial CHOICE Act / Oppose HR 10 Oppose HR 1849, weakening the FDCPA by allowing attorneys who are acting as debt collectors to ignore current consumer protection laws around debt collection Support CFPBs efforts to reconcile the requirements of the Equal Credit Opportunity Act and the Home Mortgage Disclosure Act (HMDA) to facilitate accurate data reporting by lenders who may not be required to report HMDA data every year. Support expansion of data collection to include auto refinance loans, requiring adverse action notices even where counteroffers are accepted by the applicant, and expanding record retention requirements to brokers and dealers Oppose section 841 of the Financial CHOICE Act, which prohibits implementation of the Fiduciary Rule" Support insisting that Fannie Mae and Freddie Mac must rebuild their capital buffers in order to protect against the foreseeable risk to the housing market of any short-term operating losses requiring a draw from the US Treasury. Support strengthening the CFPBs proposed remittance rule by requiring the CFPB to focus on: I. The extent to which prices for remittances have been changed as the result of the new remittance rules; whether prices for remittances are uniform across different communities; and whether the price variations, if any, are the result of true competition, or the lack of competition, particularly in poor neighborhoods. II. Whether the exceptions allowed by the CFPB for the disclosure of the amounts to be received by the designated recipient (the Total to Recipient) a) continue to be necessary, b) have caused problems for remittance senders, and c) should be changed. III. Whether it is still appropriate and necessary to provide that the remittance provider has no duty to correct errors that are related to the deposit of funds in the wrong account because of the senders mistake. IV. Whether the required disclosures should be provided in more foreign languages and in more circumstances. Support more gender and racial and ethnic diversity at the federal reserve Support a national 36% interest rate cap on all loans Express concern that the Duty to Serve plans as proposed by Fannie Mae and Freddie Mac do not include enough specific, measurable loan purchase objectives and that the objectives in the plans comprise too few loan purchases in these underserved markets Oppose S. 1310 / HR 2954, the Home Mortgage Disclosure Adjustment Act which excludes many more financial institutions from complying with the Home Mortgage Disclosure Act (HMDA) Oppose HR 2133, the Community Lending Enhancement and Regulatory Relief (CLEARR) Act of 2017, which would rewrite the Fair Housing Act of 1968 and the Equal Credit Opportunity Act to make it significantly harder for victims of discrimination to obtain relief. Pose a number of hard questions during the confirmation hearing of Randy Quarles to the federal reserve Support the qualified mortgage rule ("QM"); the QM rule is important; the constrained lending environment is due to factors other than QM, and they should be addressed rather than weakening QM Oppose repeal or weakening of Section 1071 of Dodd Frank, which requires the CFPB to collect and disclose small business lending data. Oppose HR 3299 / S 1642, bills to reverse the 2nd Circuit Court of Appeals decision in Madden v. Midland and allow nonbank lenders to use bank partnerships to overrule state and local interest rate caps. Support efforts by Fannie Mae and Freddie Mac to establish clear Affordable Housing Goals for serving low / very low income communities; Support Fannie Mae and Freddie Mac meeting and enforcing benchmark and market metrics; support FHFA increasing it enforcement of the Affordable Housing Goals Support increasing single family purchase benchmark levels to at least 27% Support the expeditious and thorough implementation of Section 1071 of the Dodd-Frank Act, which requires modifies the Equal Credit Opportunity Act (ECOA) to require financial institutions to collect and report information about credit applications by women-owned, minority-owned, and small businesses. Support legislation introduced by Senator Durbin (IL), and Congressman Cartwright (PA), the Protecting Consumers from Unreasonable Credit Rates Act. This legislation establishes a national 36% rate cap on small dollar loans. Support the Equal Employment for All Act, introduced by Senator Warren Support the Ellison amendment to HR 3354 which eliminates the ills prohibition on allowing the CFPB to regulate small dollar loans. Support the Ellison amendment to HR 3354 which eliminates the bills provisions which would place the CFPB under the appropriations process. Oppose HJRes 111, disapproving the CFPB's prohibition on forced arbitration in the financial services area.

Support Wall Street Reform; support the CFPB. Oppose attempts to weaken Dodd-Frank Oppose HR 5, the Regulatory Accountability Act; Oppose HR 78, the SEC Accountability Act; Oppose HR 238, the Commodity End User Relief Act Oppose proposed OCC white paper proposing the issuance of a special purpose national bank charter to financial technology (fintech) companies Support restoration of language to the FFHA form mortgage contract that promotes compliance with regulations addressing foreclosure alternatives Support expanded protections for borrowers with limited English proficiency in the CFPBs debt collection rule Support a single Director of the CFPB; oppose changing the leadership of the CFPB to a commission Support Section 1033 of the Dodd Frank Act regarding consumer access to data Oppose H. J. Res. 62; Support CFPB Prepaid Card rule Oppose H. J. Res. 62; H.J. Res. 73; and S. J. Res. 19, bills using CRA to repeal CFPB transparency rules on prepaid cards. Support Congresswoman Waters Comprehensive Consumer Credit Reporting Reform Act Oppose delay in fiduciary rule / Support implementation of the rule. Support the Administration taking immediate steps to shore up the capital position of Fannie Mae and Freddie Mac Support the S. 838, the Protecting Americans from Credit Entanglements Act of 2017 Oppose proposed 6-month extension of the effective date for complying with the CFPBs final prepaid accounts rule Support HR 970, the Improving Corporate Governance Through Diversity Act Oppose any proposals that weaken controls on harmful financial practices in the name of "economic growth". Support a review and amendment of the Bank Secrecy Act and Anti Money Laundering rules compliance Oppose changes to the funding stream or management structure of the CFPB Oppose Financial CHOICE Act / Oppose HR 10 Oppose HR 1849, weakening the FDCPA by allowing attorneys who are acting as debt collectors to ignore current consumer protection laws around debt collection Support CFPBs efforts to reconcile the requirements of the Equal Credit Opportunity Act and the Home Mortgage Disclosure Act (HMDA) to facilitate accurate data reporting by lenders who may not be required to report HMDA data every year. Support expansion of data collection to include auto refinance loans, requiring adverse action notices even where counteroffers are accepted by the applicant, and expanding record retention requirements to brokers and dealers Oppose section 841 of the Financial CHOICE Act, which prohibits implementation of the Fiduciary Rule Support strengthening the CFPBs proposed remittance rule by requiring the CFPB to focus on: I. The extent to which prices for remittances have been changed as the result of the new remittance rules; whether prices for remittances are uniform across different communities; and whether the price variations, if any, are the result of true competition, or the lack of competition, particularly in poor neighborhoods. II. Whether the exceptions allowed by the CFPB for the disclosure of the amounts to be received by the designated recipient (the Total to Recipient) a) continue to be necessary, b) have caused problems for remittance senders, and c) should be changed. III. Whether it is still appropriate and necessary to provide that the remittance provider has no duty to correct errors that are related to the deposit of funds in the wrong account because of the senders mistake. IV. Whether the required disclosures should be provided in more foreign languages and in more circumstances. Support more gender and racial and ethnic diversity at the federal reserve Support a national 36% interest rate cap on all loans Express concern that the Duty to Serve plans as proposed by Fannie Mae and Freddie Mac do not include enough specific, measurable loan purchase objectives and that the objectives in the plans comprise too few loan purchases in these underserved markets Oppose S. 1310 / HR 2954, the Home Mortgage Disclosure Adjustment Act which excludes many more financial institutions from complying with the Home Mortgage Disclosure Act (HMDA) Oppose HR 2133, the Community Lending Enhancement and Regulatory Relief (CLEARR) Act of 2017, which would rewrite the Fair Housing Act of 1968 and the Equal Credit Opportunity Act to make it significantly harder for victims of discrimination to obtain relief. Pose a number of hard questions during the confirmation hearing of Randy Quarles to the federal reserve Support the qualified mortgage rule ("QM"); the QM rule is important; the constrained lending environment is due to factors other than QM, and they should be addressed rather than weakening QM Oppose repeal or weakening of Section 1071 of Dodd Frank, which requires the CFPB to collect and disclose small business lending data Oppose HR 3299 / S 1642, bills to reverse the 2nd Circuit Court of Appeals decision in Madden v. Midland and allow nonbank lenders to use bank partnerships to overrule state and local interest rate caps Support efforts by Fannie Mae and Freddie Mac to establish clear Affordable Housing Goals for serving low / very low income communities; Support Fannie Mae and Freddie Mac meeting and enforcing benchmark and market metrics; support FHFA increasing it enforcement of the Affordable Housing Goals Support increasing single family purchase benchmark levels to at least 27% Support the expeditious and thorough implementation of Section 1071 of the Dodd-Frank Act, which requires modifies the Equal Credit Opportunity Act (ECOA) to require financial institutions to collect and report information about credit applications by women-owned, minority-owned, and small businesses. Support legislation introduced by Senator Durbin (IL), and Congressman Cartwright (PA), the Protecting Consumers from Unreasonable Credit Rates Act. This legislation establishes a national 36% rate cap on small dollar loans. Support the Equal Employment for All Act, introduced by Senator Warren Support the Ellison amendment to HR 3354 which eliminates the ills prohibition on allowing the CFPB to regulate small dollar loans. Support the Ellison amendment to HR 3354 which eliminates the bills provisions which would place the CFPB under the appropriations process. Oppose HJRes 111, disapproving the CFPB's prohibition on forced arbitration in the financial services area.

H.R.1849, Practice of Law Technical Clarification Act S.851 and H.R.1932, Stop Tax Haven Abuse Act-provisions subjecting lawyers that act as formation agents to the anti-money laundering and suspicious activity reporting requirements of the Bank Secrecy Act S. 1454, TITLE Act-provisions requiring states, certain businesses, and company formation agents to obtain and disclose beneficial ownership information regarding new companies, and provisions subjecting lawyers that act as formation agents to the anti-money laundering and suspicious activity reporting requirements of the Bank Secrecy Act S. 1717 and H.R. 3089, Corporate Transparency Act-provisions requiring states or the Treasury Departments Financial Crimes Enforcement Network (FinCEN), certain businesses, and company formation agents to obtain and disclose beneficial ownership information regarding new companies, and provisions subjecting lawyers that act as formation agents to the anti-money laundering and suspicious activity reporting requirements of the Bank Secrecy Act Draft legislation requiring all United States entities to have an employer identification number issued by the Secretary of the Treasury and hence to file IRS Form SS-4 listing responsible party information for each entity in order to combat money laundering and terrorist financing

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

H.R. 10, Financial CHOICE Act of 2017 H.R. 21/S. 34, Midnight Rules Relief Act of 2017 H.R. 78, SEC Regulatory Accountability Act H.R. 79, Helping Angels Lead Our Startups (HALOS) Act H.R. 238, Commodity End-User Relief Act H.R. 910/S. 327, Fair Access to Investment Research Act of 2017 H.R. 1219/S. 444, Supporting America's Innovators Act of 2017 H.R. 1257, Securities and Exchange Commission Overpayment Credit Act H.R. 1312/S. 416, Small Business Capital Formation Enhancement Act H.R. 1343, Encouraging Employee Ownership Act of 2017 H.R. 1611, Gender Diversity in Corporate Leadership Act of 2017 H.R. 1849, Practice of Law Technical Clarification Act of 2017 H.R. 2226, Portfolio Lending and Mortgage Access Act H.R. 2359, FCRA Liability Harmonization Act H.R. 2553, Taking Account of Bureaucrats Spending (TABS) Act of 2017 H.R. 3089, Corporate Transparency Act of 2017 H.R. 3179, Transparency and Accountability for Business Standards Act H.R. 3312, Systemic Risk Designation Improvement Act of 2017 H.R. 3746, Business of Insurance Regulatory Reform Act of 2017 S. 462, Securities and Exchange Commission Overpayment Credit Act S. 488, Encouraging Employee Ownership Act S. 536, Cybersecurity Disclosure Act of 2017 S. 1284, Community Bank Relief Act S. 1454, True Incorporation Transparency for Law Enforcement (TITLE) Act S. 1463, Financial Stability Oversight Council Insurance Member Continuity Act S. 1717, Corporate Transparency Act of 2017 H.J. Res. 111/S.J. Res. 47, Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Arbitration Agreements" Draft legislation titled Facilitating Access to Credit Act Draft legislation titled Community Institution Mortgage Relief Act of 2017 Draft legislation titled TRID Improvement Act of 2017 Potential legislation similar to H.R 1090, Retail Investor Protection Act (114th Cong.) Potential legislation similar to H.R. 4294, Strengthening Access to Valuable Education and Retirement Support (SAVERS) Act of 2015 Potential legislation similar to H.R 6392, Systemic Risk Designation Improvement Act of 2016 Final regulation on definition of the term "fiduciary"; conflict of interest rule--retirement investment advice (81 Fed. Reg. 20,946-21,002, April 8, 2016) Proposed regulations on universal proxy (81 Fed. Reg. 79,122-79,186, November 10, 2016) Joint advance notice of proposed rulemaking on enhanced cyber risk management standards (81 Fed. Reg. 74,315-74,326, October 26, 2016) Proposed rule on regulations Q and Y; risk-based capital and other regulatory requirements for activities of financial holding companies related to physical commodities and risk-based capital requirements for merchant banking investments (81 Fed. Reg. 67,220-67,239, September 30, 2016) Proposed rule on bylaws; bank conversions and mergers; and voluntary mergers of federally insured credit unions (82 Fed. Reg. 26,605-26,615, June 8, 2017) Request for comments on proprietary trading and certain interests in and relationships with covered funds (Volcker Rule) (82 Fed. Reg. 36,692-36,697, August 7, 2017) Various issues relating to the implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act (P.L. 111-203); implementation of the Jumpstart Our Business Startups Act (P.L. 112-106); Executive Order 13772, Core Principles for Regulating the United States Financial System; Presidential Memorandum for the Secretary of the Treasury regarding Orderly Liquidation Authority; Basel III capital standards, bank capital, and liquidity reform; Consumer Financial Protection Bureau (CFPB) transparency and accountability; CFPB consumer complaint database; CFPB reform; CFPB arbitration rulemaking; Clarifying the Exemption of Business of Insurance from CFPB Regulation; Notice of Stakeholder Consultations on Responsible Conflict Mineral Sourcing; Financial Industry Regulatory Authority (FINRA) engagement initiative; political spending disclosures; systemic risk regulation and Financial Stability Oversight Council (FSOC) designation of non-bank financial companies; FSOC reform; Department of Treasury review of FSOC determination and designation process; Office of Financial Research transparency and accountability; reform of international standard setting bodies including Financial Stability Board, International Association of Insurance Supervisors and Basel Committee on Banking Supervision; Federal Reserve reform; proxy voting system; Security Exchange Commission conflict mineral rule; Security Exchange Commission pay ratio rule; Security Exchange Commission Advisory Committee on Small and Emerging Companies; disclosure requirements and materiality; JOBS Act 2.0; Small Business Lending Market, Docket No. CFPB-2017-0011; Consumer Credit Market, Docket No. CFPB-2017-0006; Use of Alternative Data and Modeling Techniques in the Credit Process, Docket No. CFPB-2017-0005; Remittance Rule Assessment, Docket No. CFPB-2017-0004; beneficial ownership

Issues related to HR 1849

Client expense: Not reported · Firm income: $40,000

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

H.R. 1849- Practice of Law Technical Clarification Act-amends the Fair Debt Collection Practices Act to exclude law firms and licensed attorneys who are engaged in activities related to legal proceedings from the definition of debt collector and amends the Consumer Financial Protection Act from exercising supervisory or enforcement authority. S. 105 - Consumer Financial Protection Board Act - to amend the Consumer Financial Protection Act of 2010 to transition the CFPB to a 5 member board of directors. S. 387-Consumer Financial Protection Bureau Accountablity Act-To amend the Consumer Protection Act of 2010 to bring the CFPB under the congressional appropriation process. S. 370 - Bureau of Consumer Financial Protection Repeal of Title X - repeal Title X. S. 365-Consumer Financial Protection Act to terminate CFPB's funding. H.R. 10 - Financial CHOICE Act. Legislation to scale back regulations enacted by the 2010 Dodd-Frank Act. H.R. 2706 The Financial Institution Consumer Protection Act. A bill which prohibits federal regulators from directly or indirectly coercing banks to terminate relationship with legitimate business entities. H. R. 864 Stop Debt Collection Abuse Act - To amend Fair Debt Collection Act to restrict debt collection practices. S 575. Stop Debt Collection Abuse Act - mandates all federal agencies debt collection be subject to Fair Debt Collection Practices Act.

Client expense: $130,000 · Firm income: Not reported

Implementation of Title X, P.L. 111-203, Dodd-Frank Wall Street Reform and Consumer Protection Act. H.R. 1849, Practice of Law Technical Clarification Act of 2017, entire bill.

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

Government targets: Consumer Financial Protection Bureau (CFPB), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Office of the Comptroller of the Currency (OCC), SENATE

Issues related to HR 1849

Client expense: Not reported · Firm income: $40,000

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

H.R.1849, Practice of Law Technical Clarification Act S.851 and H.R.1932, Stop Tax Haven Abuse Act-provisions subjecting lawyers that act as formation agents to the anti-money laundering and suspicious activity reporting requirements of the Bank Secrecy Act Department of the Treasury Financial Crimes Enforcement Network Final Rule-Customer Due Diligence Requirements for Financial Institutions; RIN 1506-AB25; Docket Number FINCEN-2014-0001; 81 Fed. Reg. 29398 (May 11, 2016)-provisions in original proposed rule requiring law firms that establish accounts at financial institutions on behalf of clients to disclose the identity and beneficial ownership information regarding those clients Federal Deposit Insurance Corporation Final Rule-Recordkeeping for Timely Deposit Insurance Determination; RIN 3064-AE33; 81 Fed. Reg. 87734 (December 5, 2016)-provisions in original proposed rule requiring lawyers or law firms that establish and maintain client trust accounts at covered financial institutions to disclose the identity of their clients with funds in those accounts and the amount of the funds owned by each client H.R. 3089, S.1454, the Corporate Transparency Act of 2017 - provisions requiring states, certain businesses, and company formation agents to obtain and disclose beneficial ownership information regarding new companies and subjecting lawyers that act as formation agents to the anti-money laundering and suspicious activity reporting requirements of the Bank Secrecy Act Draft legislation requiring all United States entities to have an employer identification number issued by the Secretary of the Treasury and hence to file IRS Form SS-4 listing responsible party information for each entity in order to combat money laundering and terrorist financing

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

Support Wall Street Reform; support the CFPB. Oppose attempts to weaken Dodd-Frank Oppose HR 5, the Regulatory Accountability Act; Oppose HR 78, the SEC Accountability Act; Oppose HR 238, the Commodity End User Relief Act Oppose proposed OCC white paper proposing the issuance of a special purpose national bank charter to financial technology (fintech) companies. Support restoration of language to the FHA form mortgage contract that promotes compliance with regulations addressing foreclosure alternatives Support expanded protections for borrowers with limited English proficiency in the CFPBs debt collection rule Support a single Director of the CFPB; oppose changing the leadership of the CFPB to a commission Support Section 1033 of the Dodd Frank Act regarding consumer access to data Oppose H. J. Res. 62; Support CFPB Prepaid Card rule Support Congresswoman Waters Comprehensive Consumer Credit Reporting Reform Act Oppose delay in fiduciary rule Support the Administration taking immediate steps to shore up the capital position of Fannie Mae and Freddie Mac Support S. 838, the Protecting Americans from Credit Entanglements Act of 2017 Oppose proposed 6-month extension of the effective date for complying with the CFPBs final prepaid accounts rule Support HR 970, the Improving Corporate Governance Through Diversity Act Oppose any proposals that weaken controls on harmful financial practices in the name of "economic growth". Support a review and amendment of the Bank Secrecy Act and Anti Money Laundering rules compliance Support the CFPB Oppose changes to the funding stream or management structure of the CFPB Oppose Financial CHOICE Act / Oppose HR 10 Oppose HR 1849, weakening the FDCPA by allowing attorneys who are acting as debt collectors to ignore current consumer protection laws around debt collection Support CFPBs efforts to reconcile the requirements of the Equal Credit Opportunity Act and the Home Mortgage Disclosure Act (HMDA) to facilitate accurate data reporting by lenders who may not be required to report HMDA data every year. Support expansion of data collection to include auto refinance loans, requiring adverse action notices even where counteroffers are accepted by the applicant, and expanding record retention requirements to brokers and dealers Oppose section 841 of the Financial CHOICE Act, which prohibits implementation of the Fiduciary Rule" Support insisting that Fannie Mae and Freddie Mac must rebuild their capital buffers in order to protect against the foreseeable risk to the housing market of any short-term operating losses requiring a draw from the US Treasury. Support strengthening the CFPBs proposed remittance rule by requiring the CFPB to focus on: I. The extent to which prices for remittances have been changed as the result of the new remittance rules; whether prices for remittances are uniform across different communities; and whether the price variations, if any, are the result of true competition, or the lack of competition, particularly in poor neighborhoods. II. Whether the exceptions allowed by the CFPB for the disclosure of the amounts to be received by the designated recipient (the Total to Recipient) a) continue to be necessary, b) have caused problems for remittance senders, and c) should be changed. III. Whether it is still appropriate and necessary to provide that the remittance provider has no duty to correct errors that are related to the deposit of funds in the wrong account because of the senders mistake. IV. Whether the required disclosures should be provided in more foreign languages and in more circumstances. Support more gender and racial and ethnic diversity at the federal reserve Support a national 36% interest rate cap on all loans

Support Wall Street Reform; support the CFPB. Oppose attempts to weaken Dodd-Frank Oppose HR 5, the Regulatory Accountability Act; Oppose HR 78, the SEC Accountability Act; Oppose HR 238, the Commodity End User Relief Act Oppose proposed OCC white paper proposing the issuance of a special purpose national bank charter to financial technology (fintech) companies Support restoration of language to the FFHA form mortgage contract that promotes compliance with regulations addressing foreclosure alternatives Support expanded protections for borrowers with limited English proficiency in the CFPBs debt collection rule Support a single Director of the CFPB; oppose changing the leadership of the CFPB to a commission Support Section 1033 of the Dodd Frank Act regarding consumer access to data Oppose H. J. Res. 62; Support CFPB Prepaid Card rule Oppose H. J. Res. 62; H.J. Res. 73; and S. J. Res. 19, bills using CRA to repeal CFPB transparency rules on prepaid cards. Support Congresswoman Waters Comprehensive Consumer Credit Reporting Reform Act Oppose delay in fiduciary rule / Support Support the Administration taking immediate steps to shore up the capital position of Fannie Mae and Freddie Mac Support the S. 838, the Protecting Americans from Credit Entanglements Act of 2017 Oppose proposed 6-month extension of the effective date for complying with the CFPBs final prepaid accounts rule Support HR 970, the Improving Corporate Governance Through Diversity Act Oppose any proposals that weaken controls on harmful financial practices in the name of "economic growth". Support a review and amendment of the Bank Secrecy Act and Anti Money Laundering rules compliance Support the CFPB Oppose changes to the funding stream or management structure of the CFPB Oppose Financial CHOICE Act / Oppose HR 10 Oppose HR 1849, weakening the FDCPA by allowing attorneys who are acting as debt collectors to ignore current consumer protection laws around debt collection Support CFPBs efforts to reconcile the requirements of the Equal Credit Opportunity Act and the Home Mortgage Disclosure Act (HMDA) to facilitate accurate data reporting by lenders who may not be required to report HMDA data every year. Support expansion of data collection to include auto refinance loans, requiring adverse action notices even where counteroffers are accepted by the applicant, and expanding record retention requirements to brokers and dealers Oppose section 841 of the Financial CHOICE Act, which prohibits implementation of the Fiduciary Rule Support insisting that Fannie Mae and Freddie Mac must rebuild their capital buffers in order to protect against the foreseeable risk to the housing market of any short-term operating losses requiring a draw from the U.S. Treasury Support strengthening the CFPBs proposed remittance rule by requiring the CFPB to focus on: I. The extent to which prices for remittances have been changed as the result of the new remittance rules; whether prices for remittances are uniform across different communities; and whether the price variations, if any, are the result of true competition, or the lack of competition, particularly in poor neighborhoods. II. Whether the exceptions allowed by the CFPB for the disclosure of the amounts to be received by the designated recipient (the Total to Recipient) a) continue to be necessary, b) have caused problems for remittance senders, and c) should be changed. III. Whether it is still appropriate and necessary to provide that the remittance provider has no duty to correct errors that are related to the deposit of funds in the wrong account because of the senders mistake. IV. Whether the required disclosures should be provided in more foreign languages and in more circumstances. Support more gender and racial and ethnic diversity at the federal reserve Support a national 36% interest rate cap on all loans

H.R. 1849- Practice of Law Technical Clarification Act-amends the Fair Debt Collection Practices Act to exclude law firms and licensed attorneys who are engaged in activities related to legal proceedings from the definition of debt collector and amends the Consumer Financial Protection Act from exercising supervisory or enforcement authority. S. 105 - Consumer Financial Protection Board Act - to amend the Consumer Financial Protection Act of 2010 to transition the CFPB to a 5 member board of directors. S. 387-Consumer Financial Protection Bureau Accountablity Act-To amend the Consumer Protection Act of 2010 to bring the CFPB under the congressional appropriation process. S. 370 - Bureau of Consumer Financial Protection Repeal of Title X - repeal Title X. S. 365-Consumer Financial Protection Act to terminate CFPB's funding. H.R. 10 - Financial CHOICE Act. Legislation to scale back regulations enacted by the 2010 Dodd-Frank Act. H.R. 2706 The Financial Institution Consumer Protection Act. A bill which prohibits federal regulators from directly or indirectly coercing banks to terminate relationship with legitimate business entities. H. R. 864 Stop Debt Collction Abuse Act - To amend Fair Debt Collection Act to restrict debt collection practices. S 575. Stop Debt Collection Abuse Act - mandates all federal agencies debt collection be subject to Fair Debt Collection Practices Act. H.R. 2706 - Financial Institution Consumer Protection Act. Legislative proposal to end Operation Choke Point.

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

H.R.1849, Practice of Law Technical Clarification Act S.851 and H.R.1932, Stop Tax Haven Abuse Act-provisions subjecting lawyers that act as formation agents to the anti-money laundering and suspicious activity reporting requirements of the Bank Secrecy Act Department of the Treasury Financial Crimes Enforcement Network Final Rule-Customer Due Diligence Requirements for Financial Institutions; RIN 1506-AB25; Docket Number FINCEN-2014-0001; 81 Fed. Reg. 29398 (May 11, 2016)-provisions in original proposed rule requiring law firms that establish accounts at financial institutions on behalf of clients to disclose the identity and beneficial ownership information regarding those clients Federal Deposit Insurance Corporation Final Rule-Recordkeeping for Timely Deposit Insurance Determination; RIN 3064-AE33; 81 Fed. Reg. 87734 (December 5, 2016)-provisions in original proposed rule requiring lawyers or law firms that establish and maintain client trust accounts at covered financial institutions to disclose the identity of their clients with funds in those accounts and the amount of the funds owned by each client Draft legislation requiring states, certain businesses, and company formation agents to obtain and disclose beneficial ownership information regarding new companies and subjecting lawyers that act as formation agents to the anti-money laundering and suspicious activity reporting requirements of the Bank Secrecy Act Draft legislation requiring all United States entities to have an employer identification number issued by the Secretary of the Treasury and hence to file IRS Form SS-4 listing responsible party information for each entity in order to combat money laundering and terrorist financing

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

Issues related to HR 1849

Client expense: Not reported · Firm income: $40,000

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

H.R. 1849- Practice of Law Technical Clarification Act-amends the Fair Debt Collection Practices Act to exclude law firms and licensed attorneys who are engaged in activities related to legal proceedings from the definition of debt collector and amends the Consumer Financial Protection Act from exercising supervisory or enforcement authority. S. 105 - Consumer Financial Protection Board Act - to amend the Consumer Financial Protection Act of 2010 to transition the CFPB to a 5 member board of directors. S. 387-Consumer Financial Protection Bureau Accountablity Act-To amend the Consumer Protection Act of 2010 to bring the CFPB under the congressional appropriation process. S. 370 - Bureau of Consumer Financial Protection Repeal of Title X - repeal Title X. S. 365-Consumer Financial Protection Act to terminate CFPB's funding.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE