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Privacy Notification Technical Clarification Act
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228d open
vs 7,393 other HR bills in the 115th — cohort avg 50d
Privacy Notification Technical Clarification Act (Sec. 2) This bill amends the Gramm-Leach-Bliley Act to exempt a vehicle financial company, under specified circumstances, from the requirement to annually disclose its privacy policies to consumers. A vehicle financial company shall be exempt from such requirement if: (1) the company has not changed its privacy policies since its last disclosure, (2) the current policy is available on its website and via mail, (3) notice is provided to customers regarding availability of the company's privacy policies, and (4) the company gives customers the ability to opt out of having personal information disclosed to third parties.
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Filing registrants (23)
Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
The Clerk was authorized to correct section numbers, punctuation, and cross references, and to make other necessary technical and conforming corrections in the engrossment of H.R. 2396.
Motion to reconsider laid on the table Agreed to without objection.
On passage Passed by the Yeas and Nays: 275 - 146 (Roll no. 682).
HousePassed/agreed to in House: On passage Passed by the Yeas and Nays: 275 - 146 (Roll no. 682).
HouseOn motion to recommit with instructions Failed by the Yeas and Nays: 185 - 235 (Roll no. 681).
HouseThe previous question on the motion to recommit with instructions was ordered without objection.
DEBATE - The House proceeded with 10 minutes of debate on the motion to recommit with instructions. The instructions contained in the motion seek to require the bill to be reported back to the House with an amendment to prohibit the vehicle financial company term from including a financial institution that is engaging or has engaged in a pattern or practice of unsafe or unsound banking practices and other violations related to consumer harm.
Bills with similar content found using semantic analysis.
Sources: Congress.gov
2020 · first_quarter · Banking
H.R. 2396 The Privacy Notification Technical Clarification Act S. 3164 Privacy Notification Technical Clarification Act
Client expense: $1,230,000 · Firm income: Not reported
Government targets: Commerce, Dept of (DOC), HOUSE OF REPRESENTATIVES, Intl Trade Administration (ITA), SENATE, U.S. Trade Representative (USTR), White House Office
2020 · first_quarter · Banking
H.R. 2396 The Privacy Notification Technical Clarification Act S. 3164 Privacy Notification Technical Clarification Act
Client expense: $1,230,000 · Firm income: Not reported
Government targets: Commerce, Dept of (DOC), HOUSE OF REPRESENTATIVES, Intl Trade Administration (ITA), SENATE, U.S. Trade Representative (USTR), White House Office
2019 · fourth_quarter · Banking
H.R. 2396 The Privacy Notification Technical Clarification Act S. 3164 Privacy Notification Technical Clarification Act
Client expense: $1,760,000 · Firm income: Not reported
Government targets: Commerce, Dept of (DOC), HOUSE OF REPRESENTATIVES, Intl Trade Administration (ITA), SENATE, U.S. Trade Representative (USTR), White House Office
2019 · third_quarter · Banking
H.R. 2396 The Privacy Notification Technical Clarification Act S. 3164 Privacy Notification Technical Clarification Act H.R.2227 - Gold Star Spouses and Spouses of Injured Service members Leasing Relief Expansion Act of 2019 S.1118 - Gold Star Spouses and Spouses of Injured Service members Leasing Relief Expansion Act of 2019
Client expense: $1,620,000 · Firm income: Not reported
Government targets: Commerce, Dept of (DOC), HOUSE OF REPRESENTATIVES, SENATE, U.S. Trade Representative (USTR), White House Office
2019 · second_quarter · Banking
H.R. 2396 The Privacy Notification Technical Clarification Act S. 3164 Privacy Notification Technical Clarification Act H.R.2227 - Gold Star Spouses and Spouses of Injured Service members Leasing Relief Expansion Act of 2019 S.1118 - Gold Star Spouses and Spouses of Injured Service members Leasing Relief Expansion Act of 2019
Client expense: $2,210,000 · Firm income: Not reported
Government targets: Commerce, Dept of (DOC), HOUSE OF REPRESENTATIVES, SENATE, U.S. Trade Representative (USTR), White House Office
Ms. Waters, Maxine moved to recommit with instructions to the Committee on Financial Services. (text: CR H9914)
DEBATE - Pursuant to the provisions of H.Res. 657, the House proceeded with 10 minutes of debate on the Clay No. 1.
DEBATE - The House proceeded with one hour of debate on H.R. 2396.
Previous question shall be considered as ordered without intervening motions except motion to recommit with or without instructions. Rule provides for one hour of general debate for each bill. The amendment in the nature of a substitute printed in H.R. 2396 shall be considered as adopted. The rule also makes in order the amendment printed in the report. An amendment in the nature of a substitute to H.R. 4015 consisting of Rules Committee Print 115-46, shall be considered as adopted.
Considered under the provisions of rule H. Res. 657. (consideration: CR H9905-9916; text of amendment in the nature of a substitute: CR H9905)
Rules Committee Resolution H. Res. 657 Reported to House. Previous question shall be considered as ordered without intervening motions except motion to recommit with or without instructions. Rule provides for one hour of general debate for each bill. The amendment in the nature of a substitute printed in H.R. 2396 shall be considered as adopted. The rule also makes in order the amendment printed in the report. An amendment in the nature of a substitute to H.R. 4015 consisting of Rules Committee Print 115-46, shall be considered as adopted.
Placed on the Union Calendar, Calendar No. 321.
Reported (Amended) by the Committee on Financial Services. H. Rept. 115-434.
Congress.gov source codes: 5000, H12200
Ordered to be Reported (Amended) by the Yeas and Nays: 40 - 20.
Committee Consideration and Mark-up Session Held.
Committee Consideration and Mark-up Session Held.
Hearings Held by the Subcommittee on Financial Institutions and Consumer Credit Prior to Referral.
Referred to the House Committee on Financial Services.
Introduced in House
Congress.gov source codes: 1000, Intro-H
| House |
| Referred to |
| May 4, 2017 |
| May 4, 2017 |
| Republican |
| PA |
| Luke Messer | Republican | IN |
| Vicente Gonzalez | Democratic | TX |
| Wm. Lacy Clay | Democratic | MO |
2019 · first_quarter · Banking
H.R. 2396 The Privacy Notification Technical Clarification Act H.R. 6258 Financial Services and General Government Appropriations S. 3107 Financial Services and General Government Appropriations Act of 2019 S. 3164 Privacy Notification Technical Clarification Act
Client expense: $1,520,000 · Firm income: Not reported
Government targets: Commerce, Dept of (DOC), HOUSE OF REPRESENTATIVES, SENATE, U.S. Trade Representative (USTR), White House Office
2019 · fourth_quarter · Banking
H.R. 2396 The Privacy Notification Technical Clarification Act S. 3164 Privacy Notification Technical Clarification Act
Client expense: $1,760,000 · Firm income: Not reported
Government targets: Commerce, Dept of (DOC), HOUSE OF REPRESENTATIVES, Intl Trade Administration (ITA), SENATE, U.S. Trade Representative (USTR), White House Office
2019 · third_quarter · Banking
H.R. 2396 The Privacy Notification Technical Clarification Act S. 3164 Privacy Notification Technical Clarification Act H.R.2227 - Gold Star Spouses and Spouses of Injured Service members Leasing Relief Expansion Act of 2019 S.1118 - Gold Star Spouses and Spouses of Injured Service members Leasing Relief Expansion Act of 2019
Client expense: $1,620,000 · Firm income: Not reported
Government targets: Commerce, Dept of (DOC), HOUSE OF REPRESENTATIVES, SENATE, U.S. Trade Representative (USTR), White House Office
2019 · second_quarter · Banking
H.R. 2396 The Privacy Notification Technical Clarification Act S. 3164 Privacy Notification Technical Clarification Act H.R.2227 - Gold Star Spouses and Spouses of Injured Service members Leasing Relief Expansion Act of 2019 S.1118 - Gold Star Spouses and Spouses of Injured Service members Leasing Relief Expansion Act of 2019
Client expense: $2,210,000 · Firm income: Not reported
Government targets: Commerce, Dept of (DOC), HOUSE OF REPRESENTATIVES, SENATE, U.S. Trade Representative (USTR), White House Office
2019 · first_quarter · Banking
H.R. 2396 The Privacy Notification Technical Clarification Act H.R. 6258 Financial Services and General Government Appropriations S. 3107 Financial Services and General Government Appropriations Act of 2019 S. 3164 Privacy Notification Technical Clarification Act
Client expense: $1,520,000 · Firm income: Not reported
Government targets: Commerce, Dept of (DOC), HOUSE OF REPRESENTATIVES, SENATE, U.S. Trade Representative (USTR), White House Office
2018 · fourth_quarter · Banking
Issues related to credit union operations Issues related to credit union field of membership Issues related to credit union service organizations Issues related to vacancies on the National Credit Union Administration (NCUA) Board Issues related to NCUAs low income designation regulations Issues related to NCUA examination procedures Issues related to NCUAs regulation regarding its regulatory flexibility program Issues related to NCUAs proposed rule regarding emergency liquidity Issues related to NCUAs rulemaking process Issues related to NCUAs risk-based capital rule Issues related to NCUAs Advanced Notice of Proposed Rulemaking on Alternative Capital Issues related to NCUAs rule on securitization Issues related to NCUAs regulatory review process Issues related to NCUAs rule on Member Business Lending Issues related to Federal Credit Union bylaws Issues relating to home-based credit unions Issues related to credit union loan maturity restrictions Issues related to credit union investment authority Issues related to Regulation of Federal Credit Union by-laws Issues related to credit unions incidental powers Issues related to credit unions ability to offer prepaid cards Issues related to credit union service to marijuana businesses Issues related to material loss reports of the NCUA Office of Inspector General Issues related to the regulation of corporate credit unions Issues related to 1-4 Family Non-Owner Occupied Residential Loan Treatment as Residential Rather than Business Loans Issues related to the use of Eminent Domain to Seize Performing Mortgage Loans Issues related to fixed assets Issues related to credit union conversions Issues related to credit union call report modernization Issues related to premium assessments by the National Credit Union Share Insurance, NCUA Issues related to NCUAs Corporate Credit Union Stabilization Plan Issues related to NCUAs budget and the overhead transfer rate Issues related to Credit Union Service Organizations (CUSO) Issues related to the authority of the CFPB to exempt credit unions from its rulemaking Issues related to the CFPB rule to remittances and international wire transfers Issues related to CFPBs Leadership Structure and Installing a Board Rather than Director Issues related to funding the CFPB through the Appropriations Process Issues related to increasing the CFPB Supervisory Threshold Issues related to conducting a cost-benefit analysis of all CFPB Proposals Issues related to codifying the CFPBs Credit Union Advisory Council Issues related to requiring SBREFA Panels for CFPB Rulemakings Issues related to standardizing the definition of mortgage originator Issues related to overdraft protection and check ordering practices Issues related to mortgage servicing Issues related to mortgage loan originator compensation and qualifications Issues related to high-cost mortgage loans (HOEPA) Issues related to the CFPBs rule regarding qualified mortgage / ability to repay Issues related to reverse mortgages Issues related to the CFPBs regulation on Home Mortgage Disclosure Act (Regulation C) Issues related to the CFPBs regulation on Truth-in-Lending Act / Real Estate Settlement Procedures Act Integrated Disclosures Issues related to the payday, vehicle title, and similar lending Issues related to short term lending products and advance deposit products Issues related to the CFPBs consumer complaint database Issues related to the Department of Justices investigation entitled, Operation Choke Point Issues related to the Department of Defense proposal regarding Credit Extending to Service Members under MLA Issues related to indirect auto lending Issues related to credit union service to unbanked and underbanked consumers Issues related to the United States Postal Service Office of Inspector General report related to role of the postal service in financial services Issues related to the CFPB's proposal on arbitration Issues related to the Financial Accounting Standards Board (FASB) Issues related to mark-to-market accounting Issues related to private equity standards Issues related to data and cyber security Issues related to mobile banking and mobile payments Issues related to identity theft and fraud reduction Issues related to secure payments Issues related to merchant data breaches Issues related to the payments system Issues related to Federal Reserve Regulatory D Issues related to the Feds implementation of same-day ACH Issues related to the Bank Secrecy Act and Currency Transaction Reporting Requirements Issues related to the oversight of the Federal Housing Administration Issues related to USDA Rural Development Loan program Issues related to the Federal Home Loan Bank System Issues related to Fannie Mae capital Issues related to membership eligibility in the Federal Home Loan Bank System Issues related to financial literacy Issues related to Housing Finance Reform Issues related to student lending Issues related to the Economic Growth and Regulatory Paperwork Reduction Act process Issues related to retirement security Issues related to flood insurance Issues related to consumers access to records Issues related to economic growth Issues related to the National Credit Union Administration's Advance Notice of Proposed Rulemaking for Supplemental Capital Issues related to Interchange Fees Issues related to the funding of the National Credit Union Administration Issues related to the consumer notification of privacy standards Issues related to the Equal Credit Opportunity Act Issues related to the Fair Housing Act Issues related to the merger of credit unions Issues related to the Real Estate Settlement Procedures Act Issues related to the transfer of leadership at the Consumer Financial Protection Bureau Issues related to Community Reinvestment Act Issues related to Regulation Z Issues related to Military Lending Act Issues related to Financial Technology Issues related to Small Business Lending Data collection requirements Issues related to Involuntary liquidation of Federal Credit Unions and Claims procedures Issues related to Web-Based Quantitative Testing of Point of Sale / ATM Overdraft Disclosure Forms Issues related to residential appraisals Issues related to FHA appraisal certification Issues related to the nomination of Kathy Kraninger to the BCFP Issues related to GSE/Housing Finance Reform Issues related to FHA and USDA Loan Modifications Issues related to payments innovation Issues related to Faster payments Issues related to the Fair Credit Reporting Act Issues related to Treasure and IRS actions on the implementation of HR 1, the Tax Cuts and Job Act Issues related to cooperative funding sources in federal appropriations legislation Issues related to debt collection requirements Issues related to capital reform for credit unions Issues related to procurement reform for private voluntary organizations Issues related to Federal Credit Union Charter Modernization Issues related to expanded credit union powers / federal charter enhancement Issues related to the re-authorization of the National Flood Insurance Program Issues related to the Federal Credit Union Act H.J. Res 111, a resolution providing for congressional disapproval under chapter 8 title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to "Arbitration Agreements" H.Con.Res. XX, a concurrent budget resolution for FY 2019-general issues H.R. 10, the Financial CHOICE Act H.R. 26, the Regulations in Need of Scrutiny Act, all provisions H.R. 88, the Retirement, Savings, and Other Tax Relief Act of 2018 and Taxpayer First Act of 2018 H.R. 389, the Credit Union Residential Loan Parity Act, all provisions H.R. 924, the Financial Institutions Due Process Act H.R. 1116, the Taking Account of Institutions with Low Operation Risk Act (TAILOR), all provisions H.R. 1153, the Mortgage Choice Act of 2017, all provisions H.R. 1244, the Capital Access for Small Businesses and Jobs Act, all provisions H.R. 1264, the Community Financial Institution Exemption Act, all provisions H.R. 1457, the MOBILE Act, all provisions H.R. 1585, the Mutual Bank Capital Opportunity Act, all provisions H.R. 1958, the Protections Affordable Coverage for Employees (PACE) Act, all provisions H.R. 2054, Protecting Americans from Credit Entanglements Act of 2017 H.R. 2133, the Community Lending Enhancement and Regulatory Relief Act, all provisions H.R. 2204, the Homeowner Information Privacy Protection Act, all provisions H.R. 2215, the Secure and Fair Enforcement Banking Act of 2017 H.R. 2226, the Portfolio Lending and Mortgage Access Act, all provisions H.R. 2359, Fair Credit Reporting Act Liability Harmonization H.R. 2396, the Privacy Notification Technical Correction Act H.R. 2706, the Financial Institution Customer Protection Act, all provisions H.R. 2954, the Home Mortgage Disclosure Adjustment Act H.R. 3072, the Bureau of Consumer Financial Protection Examination and Reporting Threshold, all provisions H.R. 3089, the Corporate Transparency Act H.R. 3221, the Securing Access to Affordable Mortgages Act, all provisions H.R. 3299, the Protecting Consumers Access to Credit Act of 2017, all provisions H.R. 3746, the Business of Insurance Regulatory Reform Act of 2017 H.R. 3758, the Senior Safe Act of 2017 H.R. 3857, the PASS: Protecting Advice for Small Savers Act, all provisions H.R. 3866, to amend the Federal Credit Union Act to exclude extensions of credit made to veterans from the definition of a member business loan, all provisions H.R. 3911, the Risk-Based Credit Examination Act, all provisions H.R. 3971, the Community Institution Mortgage Relief Act of 2017 H.R. 3978, To amend the Real Estate Settlement Procedures Act of 1974 to modify requirements related to mortgage disclosures, and for other purposes H.R. 4464, the Common Sense Credit Union Capital Relief Act of 2017, all provisions H.R. 4545, the Financial Institutions Examination Fairness and Reform Act, all provisions H.R. 4607, the Comprehensive Regulatory Review Act, all provisions H.R. 4648, the Home Mortgage Reporting Relief Act of 2017, all provisions H.R. 5078, the TRID Improvement Act of 2018, all provisions H.R. 5266, the Financial Product Safety Commission Act of 2018, all provisions H.R. 5288, the Common Sense Credit Union Capital Relief Act of 2018, all provisions H.R. 5515, The John S. McCain National Defense Authorization Act, provisions related to financial service branches on military bases H.R. 5534, the Give Useful Information to Define Effective Compliance Act, all provisions H.R. 5952, Commerce, Justice, Science and Related Agencies Appropriations, Title II H.R. 6068, the Counter Terrorism and Illicit Finance Act, all provisions H.R. 6147, the Financial Services and General Government Appropriations Act for Fiscal Year 2019, all provisions H.R. 6385, Department of State, Foreign Operations, and Related Programs, Title I H.R. 6743, the Consumer Information Notification Requirement Act, all provisions H.R. 6850, the Financial Reporting Threshold Modernization Act , all provisions H.R. 7262, the American Housing and Economic Mobility Act of 2018 S.J. Res. 47, a resolution providing for congressional disapproval under Chapter 8 title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to "Arbitration Agreements" S. 21, the Regulations in Need of Scrutiny Act, all provisions S. 223, the Senior $afe Act, all provisions S. 366, the Taking Account of Institutions with Low Operation Risk (TAILOR) Act, all provisions S. 756, the First Step Act of 2018 S. 836, the Credit Union Residential Loan Parity Act, all provisions S. 838, the Protecting Affordable Coverage for Employees (PACE) Act, all provisions S. 869, Protecting Americans from Credit Entanglements Act of 2017 S. 1002, CLEAR Relief Act of 2017, all provisions S. 1310, Home Mortgage Disclosure Adjustment Act S. 1579, the Bureau of Consumer Financial Protection Advisory Board Enhancement Act S. 2155, Economic Growth, Regulatory Relief, and Consumer protection Act, all provisions S. 2237, the Financial Institution Examination Fairness Reform Act, all provisions S. 2463, Better Utilization of Investments Leading to Development (BUILD) Act S. 3032, the Strengthening the Tenth Amendment through Entrusting States (STATES) Act of 2018 S. 3503, the American Housing and Economic Mobility Act of 2018 S.J.Res. 19, A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act, all provisions Legislation contemplated by House Financial Services Committee Chairman Jeb Hensarling entitled the Financial Creating Hope and Opportunity for Investors, Consumer and Entrepreneurs (CHOICE) Act, provisions impacting credit unions, the National Credit Union Administration and the Consumer Financial Protection Bureau. Title XVII of the House Amendment to S. 488, the JOBS and Investor Confidence Act of 2018
Client expense: $920,000 · Firm income: Not reported
Government targets: Agriculture, Dept of (USDA), Consumer Financial Protection Bureau (CFPB), Executive Office of the President (EOP), Federal Communications Commission (FCC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), SENATE, Small Business Administration (SBA), Treasury, Dept of, Veterans Affairs, Dept of (VA)
2018 · fourth_quarter · Financial Institutions/Investments/Securities
Consumer Financial Protection Bureau regulatory actions, oversight and legislation to auto finance H.R. 2396, "Privacy Notification Technical Clarification Act" Modernizing Annual Privacy Notice Requirement Under the Gramm-Leach-Bliley Act
Client expense: $40,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2018 · fourth_quarter · Financial Institutions/Investments/Securities
Consumer Financial Protection Bureau regulatory actions, oversight and legislation to auto finance H.R. 2396, Privacy Notification Technical Clarification Act Modernizing Annual Privacy Notice Requirement Under the Gramm-Leach-Bliley Act
Client expense: Not reported · Firm income: $30,000
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2018 · fourth_quarter · Financial Institutions/Investments/Securities
H.R. 10 - Financial CHOICE Act of 2017; provisions relating to Rider 30e-3, SIFI designation, international capital standards, FIO restructuring, Senior$afe Act H.R. 585 - Investor Choice Act of 2017; entire bill H.R. 1585 - Fair Investment Opportunities for Professional Experts Act; entire bill H.R. 1669 - Partnership to Build America Act of 2017; entire bill H.R. 1670 - Infrastructure 2.0 Act; entire bill H.R. 2396 - Privacy Notification Technical Clarification Act; entire bill H.R. 3312 - Systemic Risk Designation Improvement Act of 2017; entire bill H.R. 3973 - Market Data Protection Act of 2017; entire bill H.R. 4061 - Financial Stability Oversight Council Improvement Act of 2017; entire bill H.R. 4279 - Expanding Investment Opportunities Act; entire bill H.R. 5749 - Options Markets Stability Act; entire bill H.R. 6068 - Counter Terrorism and Illicit Finance Act; entire bill H.R. 6743 - Consumer Information Notification Requirement Act; entire bill S. 647 - Mandatory Arbitration Transparency Act of 2017; entire bill S. 1744 - Brokaw Act; entire bill S. 2499 - A Bill to Require the Financial Industry Regulatory Authority to Establish a Relief Fund to Provide Investors with the Full Value of Unpaid Arbitration Awards Issued Against Brokerage Firms or Brokers Regulated by the Authority; entire bill Not Yet Introduced: Senator Wyden's Consumer Data Protection Act of 2018
Client expense: $460,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2018 · fourth_quarter · Banking
Issues related to credit union operations Issues related to credit union field of membership Issues related to credit union service organizations Issues related to vacancies on the National Credit Union Administration (NCUA) Board Issues related to NCUAs low income designation regulations Issues related to NCUA examination procedures Issues related to NCUAs regulation regarding its regulatory flexibility program Issues related to NCUAs proposed rule regarding emergency liquidity Issues related to NCUAs rulemaking process Issues related to NCUAs risk-based capital rule Issues related to NCUAs Advanced Notice of Proposed Rulemaking on Alternative Capital Issues related to NCUAs rule on securitization Issues related to NCUAs regulatory review process Issues related to NCUAs rule on Member Business Lending Issues related to Federal Credit Union bylaws Issues relating to home-based credit unions Issues related to credit union loan maturity restrictions Issues related to credit union investment authority Issues related to Regulation of Federal Credit Union by-laws Issues related to credit unions incidental powers Issues related to credit unions ability to offer prepaid cards Issues related to credit union service to marijuana businesses Issues related to material loss reports of the NCUA Office of Inspector General Issues related to the regulation of corporate credit unions Issues related to 1-4 Family Non-Owner Occupied Residential Loan Treatment as Residential Rather than Business Loans Issues related to the use of Eminent Domain to Seize Performing Mortgage Loans Issues related to fixed assets Issues related to credit union conversions Issues related to credit union call report modernization Issues related to premium assessments by the National Credit Union Share Insurance, NCUA Issues related to NCUAs Corporate Credit Union Stabilization Plan Issues related to NCUAs budget and the overhead transfer rate Issues related to Credit Union Service Organizations (CUSO) Issues related to the authority of the CFPB to exempt credit unions from its rulemaking Issues related to the CFPB rule to remittances and international wire transfers Issues related to CFPBs Leadership Structure and Installing a Board Rather than Director Issues related to funding the CFPB through the Appropriations Process Issues related to increasing the CFPB Supervisory Threshold Issues related to conducting a cost-benefit analysis of all CFPB Proposals Issues related to codifying the CFPBs Credit Union Advisory Council Issues related to requiring SBREFA Panels for CFPB Rulemakings Issues related to standardizing the definition of mortgage originator Issues related to overdraft protection and check ordering practices Issues related to mortgage servicing Issues related to mortgage loan originator compensation and qualifications Issues related to high-cost mortgage loans (HOEPA) Issues related to the CFPBs rule regarding qualified mortgage / ability to repay Issues related to reverse mortgages Issues related to the CFPBs regulation on Home Mortgage Disclosure Act (Regulation C) Issues related to the CFPBs regulation on Truth-in-Lending Act / Real Estate Settlement Procedures Act Integrated Disclosures Issues related to the payday, vehicle title, and similar lending Issues related to short term lending products and advance deposit products Issues related to the CFPBs consumer complaint database Issues related to the Department of Justices investigation entitled, Operation Choke Point Issues related to the Department of Defense proposal regarding Credit Extending to Service Members under MLA Issues related to indirect auto lending Issues related to credit union service to unbanked and underbanked consumers Issues related to the United States Postal Service Office of Inspector General report related to role of the postal service in financial services Issues related to the CFPB's proposal on arbitration Issues related to the Financial Accounting Standards Board (FASB) Issues related to mark-to-market accounting Issues related to private equity standards Issues related to data and cyber security Issues related to mobile banking and mobile payments Issues related to identity theft and fraud reduction Issues related to secure payments Issues related to merchant data breaches Issues related to the payments system Issues related to Federal Reserve Regulatory D Issues related to the Feds implementation of same-day ACH Issues related to the Bank Secrecy Act and Currency Transaction Reporting Requirements Issues related to the oversight of the Federal Housing Administration Issues related to USDA Rural Development Loan program Issues related to the Federal Home Loan Bank System Issues related to Fannie Mae capital Issues related to membership eligibility in the Federal Home Loan Bank System Issues related to financial literacy Issues related to Housing Finance Reform Issues related to student lending Issues related to the Economic Growth and Regulatory Paperwork Reduction Act process Issues related to retirement security Issues related to flood insurance Issues related to consumers access to records Issues related to economic growth Issues related to the National Credit Union Administration's Advance Notice of Proposed Rulemaking for Supplemental Capital Issues related to Interchange Fees Issues related to the funding of the National Credit Union Administration Issues related to the consumer notification of privacy standards Issues related to the Equal Credit Opportunity Act Issues related to the Fair Housing Act Issues related to the merger of credit unions Issues related to the Real Estate Settlement Procedures Act Issues related to the transfer of leadership at the Consumer Financial Protection Bureau Issues related to Community Reinvestment Act Issues related to Regulation Z Issues related to Military Lending Act Issues related to Financial Technology Issues related to Small Business Lending Data collection requirements Issues related to Involuntary liquidation of Federal Credit Unions and Claims procedures Issues related to Web-Based Quantitative Testing of Point of Sale / ATM Overdraft Disclosure Forms Issues related to residential appraisals Issues related to FHA appraisal certification Issues related to the nomination of Kathy Kraninger to the BCFP Issues related to GSE/Housing Finance Reform Issues related to FHA and USDA Loan Modifications Issues related to payments innovation Issues related to Faster payments Issues related to the Fair Credit Reporting Act Issues related to Treasure and IRS actions on the implementation of HR 1, the Tax Cuts and Job Act Issues related to cooperative funding sources in federal appropriations legislation Issues related to debt collection requirements Issues related to capital reform for credit unions Issues related to procurement reform for private voluntary organizations Issues related to Federal Credit Union Charter Modernization Issues related to expanded credit union powers / federal charter enhancement Issues related to the re-authorization of the National Flood Insurance Program Issues related to the Federal Credit Union Act H.J. Res 111, a resolution providing for congressional disapproval under chapter 8 title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to "Arbitration Agreements" H.Con.Res. XX, a concurrent budget resolution for FY 2019-general issues H.R. 10, the Financial CHOICE Act H.R. 26, the Regulations in Need of Scrutiny Act, all provisions H.R. 88, the Retirement, Savings, and Other Tax Relief Act of 2018 and Taxpayer First Act of 2018 H.R. 389, the Credit Union Residential Loan Parity Act, all provisions H.R. 924, the Financial Institutions Due Process Act H.R. 1116, the Taking Account of Institutions with Low Operation Risk Act (TAILOR), all provisions H.R. 1153, the Mortgage Choice Act of 2017, all provisions H.R. 1244, the Capital Access for Small Businesses and Jobs Act, all provisions H.R. 1264, the Community Financial Institution Exemption Act, all provisions H.R. 1457, the MOBILE Act, all provisions H.R. 1585, the Mutual Bank Capital Opportunity Act, all provisions H.R. 1958, the Protections Affordable Coverage for Employees (PACE) Act, all provisions H.R. 2054, Protecting Americans from Credit Entanglements Act of 2017 H.R. 2133, the Community Lending Enhancement and Regulatory Relief Act, all provisions H.R. 2204, the Homeowner Information Privacy Protection Act, all provisions H.R. 2215, the Secure and Fair Enforcement Banking Act of 2017 H.R. 2226, the Portfolio Lending and Mortgage Access Act, all provisions H.R. 2359, Fair Credit Reporting Act Liability Harmonization H.R. 2396, the Privacy Notification Technical Correction Act H.R. 2706, the Financial Institution Customer Protection Act, all provisions H.R. 2954, the Home Mortgage Disclosure Adjustment Act H.R. 3072, the Bureau of Consumer Financial Protection Examination and Reporting Threshold, all provisions H.R. 3089, the Corporate Transparency Act H.R. 3221, the Securing Access to Affordable Mortgages Act, all provisions H.R. 3299, the Protecting Consumers Access to Credit Act of 2017, all provisions H.R. 3746, the Business of Insurance Regulatory Reform Act of 2017 H.R. 3758, the Senior Safe Act of 2017 H.R. 3857, the PASS: Protecting Advice for Small Savers Act, all provisions H.R. 3866, to amend the Federal Credit Union Act to exclude extensions of credit made to veterans from the definition of a member business loan, all provisions H.R. 3911, the Risk-Based Credit Examination Act, all provisions H.R. 3971, the Community Institution Mortgage Relief Act of 2017 H.R. 3978, To amend the Real Estate Settlement Procedures Act of 1974 to modify requirements related to mortgage disclosures, and for other purposes H.R. 4464, the Common Sense Credit Union Capital Relief Act of 2017, all provisions H.R. 4545, the Financial Institutions Examination Fairness and Reform Act, all provisions H.R. 4607, the Comprehensive Regulatory Review Act, all provisions H.R. 4648, the Home Mortgage Reporting Relief Act of 2017, all provisions H.R. 5078, the TRID Improvement Act of 2018, all provisions H.R. 5266, the Financial Product Safety Commission Act of 2018, all provisions H.R. 5288, the Common Sense Credit Union Capital Relief Act of 2018, all provisions H.R. 5515, The John S. McCain National Defense Authorization Act, provisions related to financial service branches on military bases H.R. 5534, the Give Useful Information to Define Effective Compliance Act, all provisions H.R. 5952, Commerce, Justice, Science and Related Agencies Appropriations, Title II H.R. 6068, the Counter Terrorism and Illicit Finance Act, all provisions H.R. 6147, the Financial Services and General Government Appropriations Act for Fiscal Year 2019, all provisions H.R. 6385, Department of State, Foreign Operations, and Related Programs, Title I H.R. 6743, the Consumer Information Notification Requirement Act, all provisions H.R. 6850, the Financial Reporting Threshold Modernization Act , all provisions H.R. 7262, the American Housing and Economic Mobility Act of 2018 S.J. Res. 47, a resolution providing for congressional disapproval under Chapter 8 title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to "Arbitration Agreements" S. 21, the Regulations in Need of Scrutiny Act, all provisions S. 223, the Senior $afe Act, all provisions S. 366, the Taking Account of Institutions with Low Operation Risk (TAILOR) Act, all provisions S. 756, the First Step Act of 2018 S. 836, the Credit Union Residential Loan Parity Act, all provisions S. 838, the Protecting Affordable Coverage for Employees (PACE) Act, all provisions S. 869, Protecting Americans from Credit Entanglements Act of 2017 S. 1002, CLEAR Relief Act of 2017, all provisions S. 1310, Home Mortgage Disclosure Adjustment Act S. 1579, the Bureau of Consumer Financial Protection Advisory Board Enhancement Act S. 2155, Economic Growth, Regulatory Relief, and Consumer protection Act, all provisions S. 2237, the Financial Institution Examination Fairness Reform Act, all provisions S. 2463, Better Utilization of Investments Leading to Development (BUILD) Act S. 3032, the Strengthening the Tenth Amendment through Entrusting States (STATES) Act of 2018 S. 3503, the American Housing and Economic Mobility Act of 2018 S.J.Res. 19, A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act, all provisions Legislation contemplated by House Financial Services Committee Chairman Jeb Hensarling entitled the Financial Creating Hope and Opportunity for Investors, Consumer and Entrepreneurs (CHOICE) Act, provisions impacting credit unions, the National Credit Union Administration and the Consumer Financial Protection Bureau. Title XVII of the House Amendment to S. 488, the JOBS and Investor Confidence Act of 2018
Client expense: $860,210 · Firm income: Not reported
Government targets: Agriculture, Dept of (USDA), Consumer Financial Protection Bureau (CFPB), Executive Office of the President (EOP), Federal Communications Commission (FCC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), SENATE, Small Business Administration (SBA), Treasury, Dept of, Veterans Affairs, Dept of (VA)
2018 · fourth_quarter · Banking
S.708 Regulatory Improvement Act (Establishes the legislative branch the Regulatory Improvement Commission.) S.774 Financial Institutions Examination Fairness and Reform Act (Amends the Federal Financial Institutions Examination Council Act of 1978 to require a federal financial institutions regulatory agency to make a final examination report to a financial institution within 60 days of the later of: (1) the exit interview for an examination of the institution, or (2) the provision of additional information by the institution relating to the examination.) S.1484 Financial Regulatory Improvement Act of 2015 (amends the Gramm-Leach-Bliley Act to exempt from the requirement to provide consumers with an annual written disclosure of their privacy policy certain financial institutions that provide nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution.) S.1491 Community Lender Regulatory Relief and Consumer Protection Act of 2015 (amends the Truth in Lending Act, Gramm0Leach Bliley Act, FDI Act, FHLB Act, and the Securities Exchange Act) S.1607 the Independent Agency Regulatory Analysis Act of 2015 (A bill to affirm the authority of the President to require independent regulatory agencies to comply with regulatory analysis requirements applicable to executive agencies, and for other purposes.) S. 1647 Developing a Reliable and Innovative Vision for the Economy Act (amend title 23, United States Code, to authorize funds for Federal-aid highways and highway safety construction programs, and for other purposes.) S.1773 Consumer Reporting Fairness Act of 2015 (amend title 11, United States Code, to require creditors to inform consumer reporting agencies that certain debts have been discharged in bankruptcy cases.) S.1818 Principled Rulemaking Act (revises the federal agency rulemaking process to require a agencies to promulgate only rules (defined to exclude agency actions involving a military or foreign affairs function of the United States or a matter relating to agency management or personnel or to public property, loans, grants, benefits, or contracts) that are required by law, necessary to interpret a law, or made necessary by public need, to protect or improve the health and safety of the public, the environment, or the wellbeing of the people of the United States.) S.1820 Early Participation in Regulations Act (bill directs an agency, not later than 90 days before publishing a notice of proposed rule making for a major rule in the Federal Register, to publish advance notice of proposed rule making for such rule,) S.1817 Smarter Regulations Through Advance Planning and Review Act (requires a federal agency, when publishing a proposed major rule and when publishing a final major rule, to include a framework for assessing the rule) S.1958 Christopher Bryski Student Loan Protection Act (establish additional protections and disclosures for students and co-signers with respect to student loans, and for other purposes.) S.2038 Jumpstart GSE reform Act (prohibits the use of an increase in the guarantee fee required to be charged by the Federal National Mortgage Association (Fannie Mae), the Federal Home Loan Mortgage Corporation (Freddie Mac), or any affiliate of such organizations (enterprises) to offset an increase in outlays or a reduction in revenues for any purposes other than those related to the enterprises' business functions) S.2663 Reforming CFPB Indirect Auto Financing Guidance Act (declares without force or effect Consumer Financial Protection Bureau (CFPB) Bulletin 2013-02 (Indirect Auto Lending and Compliance with the Equal Credit Opportunity Act), published March 21, 2013.) S.J. Res. 19 - A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act. (CRA) S.552: Justice for Victims of Fraud Act (This bill amends the Truth in Lending Act and the Electronic Fund Transfer Act to prohibit predispute arbitration agreements with consumers (i.e., agreements to arbitrate any future disputes between parties instead of pursuing the claims in court) from being valid or enforceable in disputes related to credit card accounts or personal bank accounts that are not subject to a final judgment by a court if the credit card or bank account was not issued in response to a request or application for that account.) S. 537: Arbitration Fairness Act (prohibits a predispute arbitration agreement from being valid or enforceable if it requires arbitration of an employment, consumer, antitrust, or civil rights dispute.) S.550: Restoring Statutory Rights and Interests of the States Act (amends the Federal Arbitration Act to invalidate arbitration agreements between parties in certain commercial contracts or transactions if they require arbitration of a claim for damages or injunctive relief brought by an individual or small business arising from the alleged violation of a federal or state statute, the U.S. Constitution, or a state constitution, unless the written agreement to arbitrate is entered into by both parties after the claim has arisen and pertains solely to an existing claim.) S.553: Court Legal Access and Student Support (CLASS) Act (makes procedures for the enforcement of arbitration agreements inapplicable to an enrollment agreement between a student and an institution of higher education (IHE).) S.647: Mandatory Arbitration Transparency Act (prohibits predispute arbitration agreements from containing a confidentiality clause regarding an employment, consumer, or civil rights dispute that could be interpreted to prohibit a party from: (1) making a communication in a manner such that the prohibition would violate a whistle-blower statute; or (2) reporting or making a communication about tortious conduct, unlawful conduct, or issues of public policy or public concern. ) S.646: Justice for Servicemembers Act (authorizes the Department of Justice (DOJ) to initiate an action for relief in a service member's employment or reemployment rights action with respect to: (1) a private or state employer, or (2) a state or private employer that is engaged in a pattern or practice to infringe upon such rights.) S.951 - Regulatory Accountability Act of 2017 (codifies and revises notice-and-comment rulemaking procedures to require federal agencies to consider: (1) whether a rulemaking is required by statute or is within the discretion of the agency, (2) whether existing federal laws or rules could be amended or rescinded to address the problem, and (3) reasonable alternatives for a new rule.) S.1642, Protecting Consumers Access to Credit Act of 2017 (amends the Revised Statutes, the Home Owners' Loan Act, the Federal Credit Union Act, and the Federal Deposit Insurance Act to state that bank loans that are valid when made as to their maximum rate of interest in accordance with federal law shall remain valid with respect to that rate regardless of whether a bank has subsequently sold or assigned the loan to a third party.0 S.J.Res.47 - A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Arbitration Agreements" S. 1659, the Protecting Consumers from Unreasonable Credit Rates Act (amends the Truth in Lending Act to prohibit a creditor from extending credit to a consumer under an open end consumer credit plan (credit card) for which the fee and interest rate exceeds 36%.) S.2155, Economic Growth, Regulatory Relief, and Consumer Protection Act (bill aimed at rolling back financial regulations concerning banks and other financial institutions) S.J. Res. 57 A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Indirect Auto Lending and Compliance with the Equal Credit Opportunity Act" H.R. 4, makes revisions to Federal law to improve the conditions necessary for economic growth and job creation, and other purposes. H.R. 37, makes technical corrections to the Dodd-Frank Wall Street Reform and Consumer Protection Act, to enhance the ability of small and emerging growth companies to access capital through public and private markets, to reduce regulatory burdens, and other purposes. H.R. 50, provides for additional safeguards with respect to imposing Federal mandates, & other purposes. H.R. 113, improves the accountability and transparency of the Board of Governors of the Federal Reserve System, and for other purposes. H.R. 185, reforms the process by which Federal agencies analyze and formulate new regulations and guidance documents. H.R. 347, amends the Credit Repair Organizations Act to exempt certain consumer reporting agencies, and for other purposes. H.R. 367, amends chapter 8 of title 5, United States Code, to provide that major rules of the executive branch shall have no force or effect unless a joint resolution of approval is enacted into law. H.R. 427, amends chapter 8 of title 5, United States Code, to provide that major rules of the executive branch shall have no force or effect unless a joint resolution of approval is enacted into law. H.R. 527, amends chapter 6 of title 5, United States Code (commonly known as the Regulatory Flexibility Act), to ensure complete analysis of potential impacts on small entities of rules, and for other purposes. H.R. 650, amends the Truth in Lending Act to modify definitions of a mortgage originator & high-cost mortgage. H.R. 685, amends the Truth in Lending Act to improve upon the definitions provided for points and fees in connection with a mortgage transaction. H.R. 766, provides requirements for the appropriate Federal banking agencies when requesting or ordering a depository institution to terminate a specific customer account, to provide for additional requirements related to subpoenas issued under the Financial Institutions Reform, Recovery, and Enforcement Act of 1989, and for other purposes. H.R. 899, provides for additional safeguards with respect to imposing Federal mandates, and for other purposes. H.R. 957, requires Senate confirmation of Inspector General of the Bureau of Consumer Financial Protection, and other purposes. H.R. 1090, amends the Securities Exchange Act of 1934 to provide protections for retail customers, and for other purposes. H.R. 1195, amends the Consumer Financial Protection Act of 2010 to establish advisory boards, other purposes H.R. 1210, amends the Truth in Lending Act to provide a safe harbor from certain requirements related to qualified mortgages for residential mortgage loans held on an originating depository institution's portfolio, and for other purposes. H.R. 1259, provides for an application process for interested parties to apply for an area to be designated as a rural area, and for other purposes. H.R. 1261, amends the Consumer Financial Protection Act of 2010 to bring the Bureau of Consumer Financial Protection into the regular appropriations process, and for other purposes. H.R. 1264, provides an exemption from rules and regulations of the Bureau of Consumer Financial protection for community financial institutions, and for other purposes. H.R. 1265, applies the requirements of the Federal Advisory Committee Act to the Bureau of Consumer Financial Protection. H.R. 1266, amends the Consumer Financial Protection Act of 2010 to make the Bureau of Consumer Financial Protection an independent Financial Product Safety Commission, and for other purposes. H.R. 1413, terminates Operation Choke Point. H.R. 1493, imposes certain limitations on consent decrees and settlement agreements by agencies that require the agencies to take regulatory action in accordance with the terms thereof, and for other purposes. H.R. 1529, amends the Truth in Lending Act and the Real Estate Settlement Procedures Act of 1974 to modify the requirements for community financial institutions with respect to certain rules relating to mortgage loans, and for other purposes. H.R. 1553 amends the Federal Deposit Insurance Act to specify which smaller institutions may qualify for an 18-month examination cycle. H.R. 1660, amends the Home Owners' Loan Act to allow Federal savings associations to elect to operate as national banks, and for other purposes. H.R. 1737, nullifies certain guidance of the Bureau of Consumer Financial Protection and to provide requirements for guidance issued by the Bureau with respect to indirect auto lending. H.R. 1799, amends the Real Estate Settlement Procedures Act of 1974 to prohibit certain financial benefits for referrals of business and to improve the judicial relief for certain violations, & other purposes. H.R. 1941, improves the examination of depository institutions, and for other purposes. H.R. 2213, provides for a temporary safe harbor from the enforcement of integrated disclosure requirements for mortgage loan transactions under the Real Estate Settlement Procedures Act of 1974 and the Truth in Lending Act, and for other purposes. H.R. 2029, makes appropriations for military construction, the Department of Veterans Affairs, and related agencies for the fiscal year ending September 30, 2016, and for other purposes. H.R. 2243, suspends the current compensation packages for the senior executives of Fannie Mae and Freddie Mac and establish compensation for such positions in accordance with rates of pay for senior employees in the Executive Branch of the Federal Government, and for other purposes. H.R. 2354, directs the Securities and Exchange Commission to review all its significant regulations to determine whether such regulations are necessary in the public interest or whether such regulations should be amended or rescinded. H.R. 4294, amends the Internal Revenue Code of 1986 to ensure that retirement investors receive advice in their best interests, and for other purposes. H.R. 2542 amends chapter 6 of title 5, United States Code (commonly known as the Regulatory Flexibility Act), to ensure complete analysis of potential impacts on small entities of rules, and for other purposes. H.R. 2683, amends the Fair Credit Reporting Act to delay the inclusion in consumer credit reports and to establish requirements for debt collectors with respect to medical debt information of veterans due to inappropriate or delayed billing payments or reimbursements from the Department of Veterans Affairs, and for other purposes. H.R. 2577, makes appropriations for the Departments of Transportation, and Housing and Urban Development, and related agencies for the fiscal year ending September 30, 2016, and for other purposes. H.R. 2804, amends title 5, United States Code, to require the Administrator of the Office of Information and Regulatory Affairs to publish information about rules on the Internet, and for other purposes. H.R. 3035, amends the Fair Credit Reporting Act to clarify Federal law with respect to reporting certain positive consumer credit information to consumer reporting agencies, and for other purposes. H.R. 3189. amends the Federal Reserve Act to establish requirements for policy rules and blackout periods of the Federal Open Market Committee, to establish requirements for certain activities of the Board of Governors of the Federal Reserve System, and to amend title 31, United States Code, to reform the manner in which the Board of Governors of the Federal Reserve System is audited, & other purposes. H.R. 3192, provides for a temporary safe harbor from the enforcement of integrated disclosure requirements for mortgage loan transactions under the Real Estate Settlement Procedures Act of 1974 and the Truth in Lending Act, and for other purposes. H.R. 3438, amends title 5, United States Code, to postpone the effective date of high-impact rules pending judicial review. H.R. 3634, establishes student loan borrowers' rights to basic consumer protections, reasonable and flexible repayment options, access to earned credentials, and effective loan cancellation in exchange for public service, and for other purposes. H.R. 4018, amends the Truth in Lending Act to establish deferred presentment transaction requirements, and other purposes. H.R. 4293, amends the Employee Retirement Income Security Act of 1974 to ensure that retirement investors receive advice in their best interests, and for other purposes. H.R. 4439, amends the Revised Statutes, the Bank Service Company Act, the Federal Deposit Insurance Act, and the Home Owners' Loan Act to clarify that the role of the insured depository institution as lender and the location of an insured depository institution under applicable law are not affected by any contract between the institution and a third-party service provider, and to clarify that Federal preemption of State usury laws applies to any loan to which an insured depository institution is the party to which the debt is initially owed according to its terms, and other purposes. H.R. 4550, 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 a debt collector, to amend the Consumer Financial Protection Act of 2010 to prevent the Bureau of Consumer Financial Protection from exercising supervisory or enforcement authority with respect to attorneys when undertaking certain actions related to legal proceedings, and other purposes. H.R. 4648, delays the effective date of certain regulations relating to home mortgage disclosures, to suspend certain data sharing requirements, and other purposes. H.R. 4725, amends the Federal Deposit Insurance Act to require short form call reports for certain depository institutions. H.R. 4768, amends title 5, United States Code, to clarify the nature of judicial review of agency interpretations of statutory and regulatory provisions. H.R. 4986, amends certain banking statutes in response to Operation Choke Point. H.R. 5143, provides greater transparency and congressional oversight of international insurance standards setting processes, and for other purposes. H.R. 5485, makes appropriations for financial services and general government for the fiscal year ending September 30, 2017, and for other purposes. H.R. 5982, amends chapter 8 of title 5, United States Code, to provide for en bloc consideration in resolutions of disapproval for "midnight rules", and for other purposes. Fiscal Year 2016 spending bills for the Department of Justice (CJS) Makes appropriations for the Departments of Commerce and Justice, Science, and Related Agencies for the fiscal year ending September 30, 2016, and for other purposes. Fiscal Year 2016 spending bills for the Department of Housing and Urban Development (THUD), Bill will fund critical infrastructure and safety programs, provide responsible levels of funding for low-income housing Fiscal Year 2017 Commerce, Justice, Science Funding Bill, Bill targets funding to law enforcement and national security efforts, economic development, and fundamental research activities H.R. 21 -Midnight Rules Relief Act of 2017, amends chapter 8 of title 5, United States Code, to provide for en bloc consideration in resolutions of disapproval for "midnight rules", and for other purposes. H.R. 26 -Executive Need of Scrutiny Act of 2017 (REINS Act), amends chapter 8 of title 5, United States Code, to provide that major rules of the executive branch shall have no force or effect unless a joint resolution of approval is enacted into law. H.R. 5 -Regulatory Accountability Act of 2017 (RAA), reforms the process by which Federal agencies analyze and formulate new regulations and guidance documents, to clarify the nature of judicial review of agency interpretations, to ensure complete analysis of potential impacts on small entities of rules, and for other purposes. H.J. Res. 73 - Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act. (CRA) H.R. 1424, amends the Truth in Lending Act and the Electronic Fund Transfer Act to provide justice to victims of fraud. H.R. 1374, amends title 9 of the United States Code with respect to arbitration. H.R. 1396, restores statutory rights to the people of the United States from forced arbitration. H.R. 985, amends the procedures used in Federal court class actions and multidistrict litigation proceedings to assure fairer, more efficient outcomes for claimants and defendants, and for other purposes. H.R. 585, amends the Securities Exchange Act of 1934 to prohibit mandatory pre-dispute arbitration agreements, & other purposes. H.R. 864, (Rep. Love), amends the Fair Debt Collection Practices Act to restrict the debt collection practices of certain debt collectors H.R. 924, (Rep. Rothfus), amends the Federal Financial Institutions Examination Council Act of 1978 to establish a three-judge independent examination review panel. H.R. 1457, (Rep. Tipton), the Making Online Banking Initiation Legal and Easy Act of 2017 (To establish requirements for use of a driver's license or personal identification card by certain financial institutions for opening an account or obtaining a financial product or service, and for other purposes.) H.R. 2133, (Rep. Luetkemeyer), the Community Lending Enhancement and Regulatory Relief Act of 2017 (CLEARR act) (To provide regulatory relief to community financial institutions, and for other purposes.) H.R. 2226, (Rep. Barr), the Portfolio Lending and Mortgage Access Act (amends the Truth in Lending Act to allow a depository institution or credit union with assets below a specified threshold to forgo certain ability-to-pay requirements regarding residential mortgage loans) H.R. 2396, (Rep. Trott), the Privacy Notification Technical Correction Act (amends section 503 of the Gramm-Leach Bliley Act. H.R. 3221, (Rep. Kustoff), the Access to Affordable Mortgages Act of 2017 (Sec. 2) amends the Truth in Lending Act and the Financial Institutions Reform, Recovery, and Enforcement Act of 1989 to exempt from property appraisal requirements a mortgage loan of $250,000 or less if it appears on the loan creditor's balance sheet for at least three years.) H.R. 6792 -Consumers First Act -Draft bill H.R. ___ To amend the Economic Growth, Regulatory Relief, and Consumer Protection Act to clarify seasoning requirements for certain refinanced mortgage loans, and for other purposes -H.R. 134 - To amend title 11 of the United States Code with respect to modification of certain mortgages on principal residences, and for other purposes H.R. __, (Rep. Hollingsworth), the Ensuring Quality Unbiased Access to Loans Act of 2017 (To nullify certain guidance on deposit advance products and to amend the Federal Deposit Insurance Act to provide the appropriate Federal banking agencies with additional requirements when issuing such guidance, and for other purposes.) H.R. __, (Rep. Tenney), to simplify the process for national banks to obtain deposit insurance, & other purposes. House Appropriations Financial Services and General Government Financial Services Bill H.R. 1116, Taking Account of Institutions with Low Operation Risk (TAILOR) Act of 2017 (This bill requires federal financial regulatory agencies to: (1) tailor any regulatory actions so as to limit burdens on the institutions involved, with consideration of the risk profiles and business models of those institutions; and (2) report to Congress on specific actions taken to do so, as well as on other related issues. The bill's tailoring requirement applies not only to future regulatory actions but also to regulations adopted within the last seven years.) H.R. 1699, Preserving Access to Manufactured Housing Act of 2017 (amends the Truth in Lending Act (TILA) to specify that a retailer of manufactured housing is generally not a "mortgage originator" subject to requirements under that Act. Similarly, the bill amends the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 to specify that such a retailer is generally not a "loan originator" subject to requirements under that Act.) H.R. 2954, Home Mortgage Disclosure Adjustment Act (amends the Home Mortgage Disclosure Act of 1975 to exempt a depository institution from certain records and disclosure requirements related to the itemization of loan data: (1) with respect to closed-end mortgage loans, if the depository institution originated fewer than 500 such loans in each of the two preceding years; and (2) with respect to open-end lines of credit, if the depository institution originated fewer than 500 such lines of credit i
Client expense: $70,000 · Firm income: Not reported
Government targets: Consumer Financial Protection Bureau (CFPB), Education, Dept of, Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Housing & Urban Development, Dept of (HUD), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), Natl Economic Council (NEC), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), Treasury, Dept of, White House Office
2018 · fourth_quarter · Banking
HR 2396, The Privacy Notification Technical Clarification Act H.R. 6258 Financial Services and General Government Appropriations S. 3107 Financial Services and General Government Appropriations Act of 2019 S. 3164 Privacy Notification Technical Clarification Act
Client expense: $1,600,000 · Firm income: Not reported
Government targets: Commerce, Dept of (DOC), HOUSE OF REPRESENTATIVES, SENATE, U.S. Trade Representative (USTR), White House Office
2018 · fourth_quarter · Financial Institutions/Investments/Securities
Implementation of P.L. 111-203 Dodd Frank Wall Street Reform Consumer Protection Act as it relates to auto financing and hedging activities of end-users [including the Consumer Financial Protection Bureau (CFPB) and the Commodities Future Trading Commission (CFTC)]; Modernization of the Telephone Consumer Protection Act (TCPA); Streamlining annual privacy notification requirements (Privacy Notification Technical Clarification Act, H.R. 2396); Financial literacy; General issues affecting captive finance companies, including increasing brand awareness of GM's captive; Military Lending Act Interpretive Guidance; Privacy Notification Technical Clarification Act (S. 3164).
Client expense: $1,630,000 · Firm income: Not reported
Government targets: Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Consumer Financial Protection Bureau (CFPB), Defense, Dept of (DOD), Energy, Dept of, Environmental Protection Agency (EPA), Executive Office of the President (EOP), Federal Communications Commission (FCC), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Natl Economic Council (NEC), Natl Highway Traffic Safety Administration (NHTSA), Natl Security Council (NSC), Office of Management & Budget (OMB), Office of the Vice President of the United States, SENATE, Securities & Exchange Commission (SEC), State, Dept of (DOS), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Trade Representative (USTR), White House Office
2018 · fourth_quarter · Financial Institutions/Investments/Securities
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/S. 588, 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. 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/S. 2126, Fostering Innovation Act of 2017 H.R. 1702, Small Business Development Centers Improvement Act of 2018 H.R. 2128, Due Process Restoration 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 2018 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. 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/S. 2702, 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. 3903/S. 2347, 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. 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/S. 2953, 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. 4753, Federal Reserve Supervision Testimony Clarification Act H.R. 4771, Small Bank Holding Company Relief Act of 2018 H.R. 4790, Volcker Rule Regulatory Harmonization Act H.R. 4861, Ensuring Quality Unbiased Access to Loans (EQUAL) Act of 2018 H.R. 5036, Financial Technology Protection Act H.R. 5051, Public Company Registration Threshold Act H.R. 5054, Small Company Disclosure Simplification Act of 2018 H.R. 5059, State Insurance Regulation Preservation Act H.R. 5105/S. 2436, Better Utilization of Investments Leading to Development (BUILD) Act of 2018 H.R. 5266, Financial Product Safety Commission Act of 2018 H.R. 5323, Derivatives Fairness Act H.R. 5534, Give Useful Information to Define Effective (GUIDE) Compliance Act H.R. 5645, Standard Merger and Acquisition Reviews Through Equal Rules Act of 2018 H.R. 5749, Options Markets Stability Act H.R. 5756, To require the Securities and Exchange Commission to adjust certain resubmission thresholds for shareholder proposals H.R. 5783, Cooperate with Law Enforcement Agencies and Watch Act of 2018 H.R. 5877, Main Street Growth Act H.R. 5970, Modernizing Disclosures for Investors Act H.R. 5999, Streamlining Communications for Investors Act H.R. 6021, Small Business Audit Correction Act of 2018 H.R. 6035, Streamlining Communications for Investors Act H.R. 6068, Counter Terrorism and Illicit Finance Act H.R. 6130, Helping Startups Continue to Grow Act H.R. 6139, Improving Investment Research for Small and Emerging Issuers Act H.R. 6158, Brokered Deposit Affiliate-Subsidiary Modernization Act of 2018 H.R. 6177, Developing and Empowering our Aspiring Leaders Act of 2018 H.R. 6319, Expanding Investment in Small Businesses Act H.R. 6320, Promoting Transparent Standards for Corporate Insiders Act H.R. 6321, Investment Adviser Regulatory Flexibility Improvement Act H.R. 6322, Enhancing Multi-Class Stock Disclosures Act H.R. 6324, Middle Market IPO Underwriting Cost 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. 488, JOBS and Investor Confidence Act of 2018 (House Amendment) S. 536, Cybersecurity Disclosure Act of 2017 S. 1117, Consumer Financial Choice and Capital Markets Protection Act of 2017 S. 1241, Combating Money Laundering, Terrorist Financing, and Counterfeiting Act of 2017 S. 1454, True Incorporation Transparency for Law Enforcement (TITLE) Act S. 1717, Corporate Transparency Act of 2017 S. 1744, Brokaw Act S. 2098, Foreign Investment Risk Review Modernization Act of 2017 S. 2155, Economic Growth, Regulatory Relief, and Consumer Protection Act S. 2499, A bill to require the Financial Industry Regulatory Authority to establish a relief fund to provide investors with the full value of unpaid arbitration awards issued against brokerage firms or brokers regulated by the Authority S. 2756, Fair Investment Opportunities for Professional Experts Act S. 2765, RBIC Advisers Relief Act of 2018 S. 3004, Small Business Audit Correction Act of 2018 S. 3421, Blue Sky Harmonization Act S. 3577, Financial Stability Oversight Council Improvement Act of 2018 S. 3614, Corporate Governance Fairness Act S. J. Res. 57, A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Indirect Auto Lending and Compliance with the Equal Credit Opportunity Act" 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 Draft legislation directing the Securities and Exchange Commission to increase and align the smaller reporting company and nonaccelerated filer financial thresholds Draft legislation to remove the limitation on large accelerated filers qualifying as an emerging growth company Draft legislation to require the Securities and Exchange Commission to revise the definition of a qualifying portfolio company to include an emerging growth company, for purposes of the exemption from registration for venture capital fund advisers under the Investment Advisers Act of 1940 Draft legislation to amend the Investment Company Act of 1940 to increase the percentage of voting shares a diversified company may hold in a single issuer Draft legislation on cryptocurrencies 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 Proposed regulations on universal proxy (81 Fed. Reg. 79,122-79,186, November 10, 2016) Proposed rule on auditor independence with respect to certain loans or debtor-creditor relationships (83 Fed. Reg. 20,753-20,773, May 8, 2018) Proposed regulation on Regulation Best Interest (83 Fed. Reg. 21,574-21,682, May 9, 2018) Proposed Commission interpretation regarding standard of conduct for investment advisers; request for comment on enhancing investment (83 Fed. Reg. 21,203-21,214, May 9, 2018) Proposed rule on form CRS relationship summary; amendments to form ADV; required disclosures in retail communications and restrictions on the use of certain names or titles (83 Fed. Reg. 21,416-21,575, May 9, 2018) Policy to Encourage Trial Disclosure Programs (83 Fed. Reg. 45,574-45,578, September, 10, 2018) Federal Reserve, Office of the Comptroller of the Currency, Federal Deposit Insurance Corporation, Security Exchange Commission, Commodity Futures Trading Commission: Proposed Revisions to Prohibitions and Restrictions on Proprietary Trading and Certain Interests in, and Relationships with, Hedge Funds and Private Equity Funds - Docket No. OCC-2018-0010 (OCC); Docket No. R-1608 (Federal Reserve); RIN 3064-AE67 (FDIC); File Number S7- 14-18 (SEC); RIN 3038-AE72 (CFTC) Proposed changes to applicability thresholds for regulatory capital and liquidity requirements. Docket IDs: OCC-2018--0037 RIN 1557-AE56; Docket No. R-1628 RIN 7100-AF21 Nomination of Kathleen Kraninger to serve as Director of the Bureau of Consumer Financial Protection Nomination of Elad Roisman to serve as a Commissioner of the Securities and Exchange Commission Nomination of Dr. Dino Falaschetti to serve as Director of the Office of Financial Research Nomination of Jelena McWilliams to be Chair of the Federal Deposit Insurance Corporation Nomination of Kimberly Reed to serve as President of the Export-Import Bank of the United States (Ex-Im) 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); implementation of the Economic Growth, Regulatory Relief, and Consumer Protection Act (P.L. 115-174); 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 regulatory sandbox for disclosures; CFPB reform; anti-money laundering and Bank Secrecy Act (P.L. 91-508) improvements; 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 strategic plan; Security Exchange Commission Rule 701 Form S-8 reforms; 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; Security Exchange Commission amendments to the Commissioners whistleblower rules file no. S7-16-18; Security Exchange Commission auditor independence with respect to certain loans or debtor-creditor relationships file no. S7-10-18; Security Exchange Commission Staff Legal Bulletin 20 Proxy Voting: Proxy Voting Responsibilities of Investment Advisers and Availability of Exemptions from the Proxy Rules for Proxy Advisory Firms; Security Exchange Commission proposal on the use of derivatives by registered investment companies and business development companies; Security Exchange Commission capital, margin, and segregation requirements for security-based swap dealers and major security-based swap participants and capital requirements for broker-dealers (File No. S7-08-12); Consumer Financial Protection Bureau trial disclosures and no action letter process; Public Company Accounting Oversight Board (PCAOB) draft strategic plan for 2018-2022; Federal Trade Commission competition and consumer protection in the 21st century hearings regarding common ownership; disclosure requirements and materiality; JOBS Act 3.0; Accounting standards developed by the Financial Accounting Standards Board, including the current expected credit loss (CECL) standard; potential legislation to create legal framework for venture exchange; potential legislation on anti-money laundering and Bank Secrecy Act reporting improvements; credit bureau issues; financial technology issues; 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; impact of prudential regulations on lending to small businesses by depository institutions; CFTC Proposed rulemaking on the De Minimis Exception to the Swap Dealer Definition; HUD proposed rulemaking regarding implementation of the Fair Housing Acts Disparate Impact Standard; Federal Trade Commission concerning Common Ownership; SEC proposed amendments to the Commissions Whistleblower Program rules; blockchain and fintech; adoption of the current expected credit loss accounting standard; proxy process, proxy advisory firms, and other related aspects of corporate governance
Client expense: $15,950,000 · Firm income: Not reported
Government targets: Agriculture, Dept of (USDA), Army, Dept of (Corps of Engineers), Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Consumer Financial Protection Bureau (CFPB), Council on Environmental Quality (CEQ), Defense, Dept of (DOD), Education, Dept of, Energy, Dept of, Environmental Protection Agency (EPA), Equal Employment Opportunity Commission (EEOC), Executive Office of the President (EOP), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Energy Regulatory Commission (FERC), Federal Reserve System, Federal Trade Commission (FTC), General Services Administration (GSA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Interior, Dept of (DOI), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Economic Council (NEC), Natl Labor Relations Board (NLRB), Natl Security Council (NSC), Natl Telecommunications & Information Administration (NTIA), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), Office of the Vice President of the United States, Patent & Trademark Office (PTO), Pension Benefit Guaranty Corporation (PBGC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Social Security Administration (SSA), State, Dept of (DOS), Transportation Security Administration (TSA), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Copyright Office, U.S. Customs & Border Protection, U.S. Trade Representative (USTR), White House Office
2018 · fourth_quarter · Financial Institutions/Investments/Securities
Issues related to installment lending. Issues related to auto finance. H.R.2396/S.3164, Privacy Notification Technical Clarification Act. S.3734, Unsolicited Loan Act of 2018.
Client expense: Not reported · Firm income: $20,000
Government targets: HOUSE OF REPRESENTATIVES, SENATE, White House Office
2018 · fourth_quarter · Banking
H.R.493, Subsidy Reserve Act of 2017, to require nonbank financial companies supervised by the Federal Reserve Board and bank holding companies over $500 billion of assets to establish and maintain Subsidy Reserves. H.R. 1116/S.366, the TAILOR Act H.R. 1264, Community Financial Institution Exemption Act H.R. 1624, Municipal Finance Support Act H.R. 1948, Small Bank Holding Company Relief Act H.R. 2121, Pension, Endowment, and Mutual Fund Access to Banking Act H.R. 2133, CLEARR Act of 017 H.R. 2396, the Privacy Notification Technical Clarification Act H.R. 2226, Portfolio Lending and Mortgage Access Act H.R. 2403, Keeping Capital Local for Underserved Communities Act of 2017 H.R. 2706, Financial Institution Customer Protection Act of 2017 H.R. 2793, Consumer Transaction Account Protection Act of 2017 H.R. 2954, Home Mortgage Disclosure Adjustment Act H.R. 3072, Bureau of Consumer Financial Protection Examination and Reporting Threshold Act of 2017 H.R. 3093, Investor Clarity and Bank Parity Act H.R. 3179, Transparency and Accountability for Business Standards Act H.R. 3221, the Securing Access to Affordable Mortgages Act H.R. 3312, The Systemic Risk Designation Improvement Act H.R. 3741, to codify the Minority Bank Deposit Program, and for other purposes. H.R. 3971, the Community Institution Mortgage Relief Act H.R. 3978, TRID Improvement Act of 2017 H.R. 4292, Financial Institution Living Will Improvement Act of 2017 H.R. 4293, Stress Test Improvement 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. 4439, the Modernizing Borrower Credit Opportunities Act H.R. 4545 / S. 2237, Financial Institutions Examination Fairness and Reform Act H.R. 4607, Comprehensive Regulatory Review Act H.R. 4648, Home Mortgage Relief Act of 2017 H.R. 4725, Community Bank Reporting Relief Act H.R. 4771, Small Bank Holding Company Relief Act H.R. 4790, Volcker Rule Regulatory Harmonization Act H.R. 4861, the Ensuring Quality Unbiased Access to Loans (EQUAL) Act H.R. 5076, Small Bank Exam Cycle Improvement Act of 2018 H.R. 5783, Cooperate with Law Enforcement Agencies and Watch Act of 2018 H.R. 6158, The Brokered Deposit-Affiliate Subsidiary Modernization Act of 2018 S. 828, to amend the Federal Deposit Insurance Act to require the appropriate Federal banking agencies to treat certain municipal obligations as level 2B liquid assets. S. 1002, CLEAR Relief Act S. 1139, Main Street Regulatory Fairness Act S. 1284, Community Bank Relief Act S. 1310, Home Mortgage Disclosure Adjustment Act S. 1500, 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. S. 1642 / H.R. 3299, Protecting Consumers' Access to Credit Act of 2017 S. 1893, to amend the Dodd-Frank Wall Street Reform and Consumer Protection Act to specify when bank holding companies may be subject to certain enhanced supervision. S. 1962, Community Bank Access to Capital Act of 2017 S. 2155, Economic Growth, Regulatory Relief, and Consumer Protection Act Russell Amendment to H.R. 5515, the National Defense Authorization Act for Fiscal Year 2019 Section 701 of H.R. 5841, the Foreign Investment Risk Review Modernization Act of 2018 Capital Rules Liquidity Rules LIBOR Stress Testing Accountability for Basel/FSB negotiations Volcker Rule Reform DoL Fiduciary Rule The Financial CHOICE Act Durbin Interchange Amendment De novo banks
Client expense: $2,130,000 · Firm income: Not reported
Government targets: Consumer Financial Protection Bureau (CFPB), Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Labor, Dept of (DOL), Natl Economic Council (NEC), Office of Management & Budget (OMB), SENATE, Treasury, Dept of
2018 · fourth_quarter · Financial Institutions/Investments/Securities
Privacy Notification Technical Clarification Act, H.R. 2396
Client expense: Not reported · Firm income: $15,000
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2018 · fourth_quarter · Economics/Economic Development
Privacy Notification Technical Clarification Act, H.R. 2396
Client expense: Not reported · Firm income: $15,000
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2018 · fourth_quarter · Financial Institutions/Investments/Securities
Dodd Frank Wall Street Reform and Consumer Protection Act and proposed reform bills (S. 2155), Auto Lending (CFPB regulations), Consumer Privacy (HR 2396 and S 3164), Industrial Loan Banks, Installment Lending, Military Lending (DoD regulations), Mortgage Lending, Payment Cards, Small Business Lending, Tax Reform, Telephone Consumer Protection Act, HJ Res 122 and SJ Res 56 on CRA for payday lending, SJ Res 57 on CFPB auto lending, S. 3734 on unsolicited loans
Client expense: $150,000 · Firm income: Not reported
Government targets: Consumer Financial Protection Bureau (CFPB), Defense, Dept of (DOD), Federal Communications Commission (FCC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), SENATE, Small Business Administration (SBA), Treasury, Dept of, Vice President of the U.S., White House Office
2018 · fourth_quarter · Budget/Appropriations
FY19 Financial Services and General Government Appropriations bills (elements dealing with CFPB and incorporation of HR 2396/S 3164) and omnibus spending bill
Client expense: $150,000 · Firm income: Not reported
Government targets: Consumer Financial Protection Bureau (CFPB), Defense, Dept of (DOD), Federal Communications Commission (FCC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), SENATE, Small Business Administration (SBA), Treasury, Dept of, Vice President of the U.S., White House Office
2018 · fourth_quarter · Banking
Dodd Frank Wall Street Reform and Consumer Protection Act and proposed reform bills (S. 2155, HR 5266), Auto Lending (CFPB regulations), Consumer Privacy (HR 2396 and S 3164), Industrial Loan Banks, Installment Lending, Military Lending (DoD regulations), Mortgage Lending, Payment Cards, Small Business Lending, Tax Reform, Telephone Consumer Protection Act, HJ Res 122 and SJ Res 56 on CRA for payday lending, SJ Res 57 on CFPB auto lending, S. 3734 on unsolicited loans
Client expense: $150,000 · Firm income: Not reported
Government targets: Consumer Financial Protection Bureau (CFPB), Defense, Dept of (DOD), Federal Communications Commission (FCC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), SENATE, Small Business Administration (SBA), Treasury, Dept of, Vice President of the U.S., White House Office
2018 · third_quarter · Banking
S.708 Regulatory Improvement Act (Establishes the legislative branch the Regulatory Improvement Commission.) S.774 Financial Institutions Examination Fairness and Reform Act (Amends the Federal Financial Institutions Examination Council Act of 1978 to require a federal financial institutions regulatory agency to make a final examination report to a financial institution within 60 days of the later of: (1) the exit interview for an examination of the institution, or (2) the provision of additional information by the institution relating to the examination.) S.1484 Financial Regulatory Improvement Act of 2015 (amends the Gramm-Leach-Bliley Act to exempt from the requirement to provide consumers with an annual written disclosure of their privacy policy certain financial institutions that provide nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution.) S.1491 Community Lender Regulatory Relief and Consumer Protection Act of 2015 (amends the Truth in Lending Act, Gramm0Leach Bliley Act, FDI Act, FHLB Act, and the Securities Exchange Act) S.1607 the Independent Agency Regulatory Analysis Act of 2015 (A bill to affirm the authority of the President to require independent regulatory agencies to comply with regulatory analysis requirements applicable to executive agencies, and for other purposes.) S. 1647 Developing a Reliable and Innovative Vision for the Economy Act (amend title 23, United States Code, to authorize funds for Federal-aid highways and highway safety construction programs, and for other purposes.) S.1773 Consumer Reporting Fairness Act of 2015 (amend title 11, United States Code, to require creditors to inform consumer reporting agencies that certain debts have been discharged in bankruptcy cases.) S.1818 Principled Rulemaking Act (revises the federal agency rulemaking process to require a agencies to promulgate only rules (defined to exclude agency actions involving a military or foreign affairs function of the United States or a matter relating to agency management or personnel or to public property, loans, grants, benefits, or contracts) that are required by law, necessary to interpret a law, or made necessary by public need, to protect or improve the health and safety of the public, the environment, or the wellbeing of the people of the United States.) S.1820 Early Participation in Regulations Act (bill directs an agency, not later than 90 days before publishing a notice of proposed rule making for a major rule in the Federal Register, to publish advance notice of proposed rule making for such rule,) S.1817 Smarter Regulations Through Advance Planning and Review Act (requires a federal agency, when publishing a proposed major rule and when publishing a final major rule, to include a framework for assessing the rule) S.1958 Christopher Bryski Student Loan Protection Act (establish additional protections and disclosures for students and co-signers with respect to student loans, and for other purposes.) S.2038 Jumpstart GSE reform Act (prohibits the use of an increase in the guarantee fee required to be charged by the Federal National Mortgage Association (Fannie Mae), the Federal Home Loan Mortgage Corporation (Freddie Mac), or any affiliate of such organizations (enterprises) to offset an increase in outlays or a reduction in revenues for any purposes other than those related to the enterprises' business functions) S.2663 Reforming CFPB Indirect Auto Financing Guidance Act (declares without force or effect Consumer Financial Protection Bureau (CFPB) Bulletin 2013-02 (Indirect Auto Lending and Compliance with the Equal Credit Opportunity Act), published March 21, 2013.) S.J. Res. 19 - A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act. (CRA) S.552: Justice for Victims of Fraud Act (This bill amends the Truth in Lending Act and the Electronic Fund Transfer Act to prohibit predispute arbitration agreements with consumers (i.e., agreements to arbitrate any future disputes between parties instead of pursuing the claims in court) from being valid or enforceable in disputes related to credit card accounts or personal bank accounts that are not subject to a final judgment by a court if the credit card or bank account was not issued in response to a request or application for that account.) S. 537: Arbitration Fairness Act (prohibits a predispute arbitration agreement from being valid or enforceable if it requires arbitration of an employment, consumer, antitrust, or civil rights dispute.) S.550: Restoring Statutory Rights and Interests of the States Act (amends the Federal Arbitration Act to invalidate arbitration agreements between parties in certain commercial contracts or transactions if they require arbitration of a claim for damages or injunctive relief brought by an individual or small business arising from the alleged violation of a federal or state statute, the U.S. Constitution, or a state constitution, unless the written agreement to arbitrate is entered into by both parties after the claim has arisen and pertains solely to an existing claim.) S.553: Court Legal Access and Student Support (CLASS) Act (makes procedures for the enforcement of arbitration agreements inapplicable to an enrollment agreement between a student and an institution of higher education (IHE).) S.647: Mandatory Arbitration Transparency Act (prohibits predispute arbitration agreements from containing a confidentiality clause regarding an employment, consumer, or civil rights dispute that could be interpreted to prohibit a party from: (1) making a communication in a manner such that the prohibition would violate a whistle-blower statute; or (2) reporting or making a communication about tortious conduct, unlawful conduct, or issues of public policy or public concern. ) S.646: Justice for Servicemembers Act (authorizes the Department of Justice (DOJ) to initiate an action for relief in a service member's employment or reemployment rights action with respect to: (1) a private or state employer, or (2) a state or private employer that is engaged in a pattern or practice to infringe upon such rights.) S.951 - Regulatory Accountability Act of 2017 (codifies and revises notice-and-comment rulemaking procedures to require federal agencies to consider: (1) whether a rulemaking is required by statute or is within the discretion of the agency, (2) whether existing federal laws or rules could be amended or rescinded to address the problem, and (3) reasonable alternatives for a new rule.) S.1642, Protecting Consumers Access to Credit Act of 2017 (amends the Revised Statutes, the Home Owners' Loan Act, the Federal Credit Union Act, and the Federal Deposit Insurance Act to state that bank loans that are valid when made as to their maximum rate of interest in accordance with federal law shall remain valid with respect to that rate regardless of whether a bank has subsequently sold or assigned the loan to a third party.0 S.J.Res.47 - A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Arbitration Agreements" S. 1659, the Protecting Consumers from Unreasonable Credit Rates Act (amends the Truth in Lending Act to prohibit a creditor from extending credit to a consumer under an open end consumer credit plan (credit card) for which the fee and interest rate exceeds 36%.) S.2155, Economic Growth, Regulatory Relief, and Consumer Protection Act (bill aimed at rolling back financial regulations concerning banks and other financial institutions) S.J. Res. 57 A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Indirect Auto Lending and Compliance with the Equal Credit Opportunity Act" H.R. 4, makes revisions to Federal law to improve the conditions necessary for economic growth and job creation, and other purposes. H.R. 37, makes technical corrections to the Dodd-Frank Wall Street Reform and Consumer Protection Act, to enhance the ability of small and emerging growth companies to access capital through public and private markets, to reduce regulatory burdens, and other purposes. H.R. 50, provides for additional safeguards with respect to imposing Federal mandates, & other purposes. H.R. 113, improves the accountability and transparency of the Board of Governors of the Federal Reserve System, and for other purposes. H.R. 185, reforms the process by which Federal agencies analyze and formulate new regulations and guidance documents. H.R. 347, amends the Credit Repair Organizations Act to exempt certain consumer reporting agencies, and for other purposes. H.R. 367, amends chapter 8 of title 5, United States Code, to provide that major rules of the executive branch shall have no force or effect unless a joint resolution of approval is enacted into law. H.R. 427, amends chapter 8 of title 5, United States Code, to provide that major rules of the executive branch shall have no force or effect unless a joint resolution of approval is enacted into law. H.R. 527, amends chapter 6 of title 5, United States Code (commonly known as the Regulatory Flexibility Act), to ensure complete analysis of potential impacts on small entities of rules, and for other purposes. H.R. 650, amends the Truth in Lending Act to modify definitions of a mortgage originator & high-cost mortgage. H.R. 685, amends the Truth in Lending Act to improve upon the definitions provided for points and fees in connection with a mortgage transaction. H.R. 766, provides requirements for the appropriate Federal banking agencies when requesting or ordering a depository institution to terminate a specific customer account, to provide for additional requirements related to subpoenas issued under the Financial Institutions Reform, Recovery, and Enforcement Act of 1989, and for other purposes. H.R. 899, provides for additional safeguards with respect to imposing Federal mandates, and for other purposes. H.R. 957, requires Senate confirmation of Inspector General of the Bureau of Consumer Financial Protection, and other purposes. H.R. 1090, amends the Securities Exchange Act of 1934 to provide protections for retail customers, and for other purposes. H.R. 1195, amends the Consumer Financial Protection Act of 2010 to establish advisory boards, other purposes H.R. 1210, amends the Truth in Lending Act to provide a safe harbor from certain requirements related to qualified mortgages for residential mortgage loans held on an originating depository institution's portfolio, and for other purposes. H.R. 1259, provides for an application process for interested parties to apply for an area to be designated as a rural area, and for other purposes. H.R. 1261, amends the Consumer Financial Protection Act of 2010 to bring the Bureau of Consumer Financial Protection into the regular appropriations process, and for other purposes. H.R. 1264, provides an exemption from rules and regulations of the Bureau of Consumer Financial protection for community financial institutions, and for other purposes. H.R. 1265, applies the requirements of the Federal Advisory Committee Act to the Bureau of Consumer Financial Protection. H.R. 1266, amends the Consumer Financial Protection Act of 2010 to make the Bureau of Consumer Financial Protection an independent Financial Product Safety Commission, and for other purposes. H.R. 1413, terminates Operation Choke Point. H.R. 1493, imposes certain limitations on consent decrees and settlement agreements by agencies that require the agencies to take regulatory action in accordance with the terms thereof, and for other purposes. H.R. 1529, amends the Truth in Lending Act and the Real Estate Settlement Procedures Act of 1974 to modify the requirements for community financial institutions with respect to certain rules relating to mortgage loans, and for other purposes. H.R. 1553 amends the Federal Deposit Insurance Act to specify which smaller institutions may qualify for an 18-month examination cycle. H.R. 1660, amends the Home Owners' Loan Act to allow Federal savings associations to elect to operate as national banks, and for other purposes. H.R. 1737, nullifies certain guidance of the Bureau of Consumer Financial Protection and to provide requirements for guidance issued by the Bureau with respect to indirect auto lending. H.R. 1799, amends the Real Estate Settlement Procedures Act of 1974 to prohibit certain financial benefits for referrals of business and to improve the judicial relief for certain violations, & other purposes. H.R. 1941, improves the examination of depository institutions, and for other purposes. H.R. 2213, provides for a temporary safe harbor from the enforcement of integrated disclosure requirements for mortgage loan transactions under the Real Estate Settlement Procedures Act of 1974 and the Truth in Lending Act, and for other purposes. H.R. 2029, makes appropriations for military construction, the Department of Veterans Affairs, and related agencies for the fiscal year ending September 30, 2016, and for other purposes. H.R. 2243, suspends the current compensation packages for the senior executives of Fannie Mae and Freddie Mac and establish compensation for such positions in accordance with rates of pay for senior employees in the Executive Branch of the Federal Government, and for other purposes. H.R. 2354, directs the Securities and Exchange Commission to review all its significant regulations to determine whether such regulations are necessary in the public interest or whether such regulations should be amended or rescinded. H.R. 4294, amends the Internal Revenue Code of 1986 to ensure that retirement investors receive advice in their best interests, and for other purposes. H.R. 2542 amends chapter 6 of title 5, United States Code (commonly known as the Regulatory Flexibility Act), to ensure complete analysis of potential impacts on small entities of rules, and for other purposes. H.R. 2683, amends the Fair Credit Reporting Act to delay the inclusion in consumer credit reports and to establish requirements for debt collectors with respect to medical debt information of veterans due to inappropriate or delayed billing payments or reimbursements from the Department of Veterans Affairs, and for other purposes. H.R. 2577, makes appropriations for the Departments of Transportation, and Housing and Urban Development, and related agencies for the fiscal year ending September 30, 2016, and for other purposes. H.R. 2804, amends title 5, United States Code, to require the Administrator of the Office of Information and Regulatory Affairs to publish information about rules on the Internet, and for other purposes. H.R. 3035, amends the Fair Credit Reporting Act to clarify Federal law with respect to reporting certain positive consumer credit information to consumer reporting agencies, and for other purposes. H.R. 3189. amends the Federal Reserve Act to establish requirements for policy rules and blackout periods of the Federal Open Market Committee, to establish requirements for certain activities of the Board of Governors of the Federal Reserve System, and to amend title 31, United States Code, to reform the manner in which the Board of Governors of the Federal Reserve System is audited, & other purposes. H.R. 3192, provides for a temporary safe harbor from the enforcement of integrated disclosure requirements for mortgage loan transactions under the Real Estate Settlement Procedures Act of 1974 and the Truth in Lending Act, and for other purposes. H.R. 3438, amends title 5, United States Code, to postpone the effective date of high-impact rules pending judicial review. H.R. 3634, establishes student loan borrowers' rights to basic consumer protections, reasonable and flexible repayment options, access to earned credentials, and effective loan cancellation in exchange for public service, and for other purposes. H.R. 4018, amends the Truth in Lending Act to establish deferred presentment transaction requirements, and other purposes. H.R. 4293, amends the Employee Retirement Income Security Act of 1974 to ensure that retirement investors receive advice in their best interests, and for other purposes. H.R. 4439, amends the Revised Statutes, the Bank Service Company Act, the Federal Deposit Insurance Act, and the Home Owners' Loan Act to clarify that the role of the insured depository institution as lender and the location of an insured depository institution under applicable law are not affected by any contract between the institution and a third-party service provider, and to clarify that Federal preemption of State usury laws applies to any loan to which an insured depository institution is the party to which the debt is initially owed according to its terms, and other purposes. H.R. 4550, 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 a debt collector, to amend the Consumer Financial Protection Act of 2010 to prevent the Bureau of Consumer Financial Protection from exercising supervisory or enforcement authority with respect to attorneys when undertaking certain actions related to legal proceedings, and other purposes. H.R. 4648, delays the effective date of certain regulations relating to home mortgage disclosures, to suspend certain data sharing requirements, and other purposes. H.R. 4725, amends the Federal Deposit Insurance Act to require short form call reports for certain depository institutions. H.R. 4768, amends title 5, United States Code, to clarify the nature of judicial review of agency interpretations of statutory and regulatory provisions. H.R. 4986, amends certain banking statutes in response to Operation Choke Point. H.R. 5143, provides greater transparency and congressional oversight of international insurance standards setting processes, and for other purposes. H.R. 5485, makes appropriations for financial services and general government for the fiscal year ending September 30, 2017, and for other purposes. H.R. 5982, amends chapter 8 of title 5, United States Code, to provide for en bloc consideration in resolutions of disapproval for "midnight rules", and for other purposes. Fiscal Year 2016 spending bills for the Department of Justice (CJS) Makes appropriations for the Departments of Commerce and Justice, Science, and Related Agencies for the fiscal year ending September 30, 2016, and for other purposes. Fiscal Year 2016 spending bills for the Department of Housing and Urban Development (THUD), Bill will fund critical infrastructure and safety programs, provide responsible levels of funding for low-income housing Fiscal Year 2017 Commerce, Justice, Science Funding Bill, Bill targets funding to law enforcement and national security efforts, economic development, and fundamental research activities H.R. 21 -Midnight Rules Relief Act of 2017, amends chapter 8 of title 5, United States Code, to provide for en bloc consideration in resolutions of disapproval for "midnight rules", and for other purposes. H.R. 26 -Executive Need of Scrutiny Act of 2017 (REINS Act), amends chapter 8 of title 5, United States Code, to provide that major rules of the executive branch shall have no force or effect unless a joint resolution of approval is enacted into law. H.R. 5 -Regulatory Accountability Act of 2017 (RAA), reforms the process by which Federal agencies analyze and formulate new regulations and guidance documents, to clarify the nature of judicial review of agency interpretations, to ensure complete analysis of potential impacts on small entities of rules, and for other purposes. H.J. Res. 73 - Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act. (CRA) H.R. 1424, amends the Truth in Lending Act and the Electronic Fund Transfer Act to provide justice to victims of fraud. H.R. 1374, amends title 9 of the United States Code with respect to arbitration. H.R. 1396, restores statutory rights to the people of the United States from forced arbitration. H.R. 985, amends the procedures used in Federal court class actions and multidistrict litigation proceedings to assure fairer, more efficient outcomes for claimants and defendants, and for other purposes. H.R. 585, amends the Securities Exchange Act of 1934 to prohibit mandatory pre-dispute arbitration agreements, & other purposes. H.R. 864, (Rep. Love), amends the Fair Debt Collection Practices Act to restrict the debt collection practices of certain debt collectors H.R. 924, (Rep. Rothfus), amends the Federal Financial Institutions Examination Council Act of 1978 to establish a three-judge independent examination review panel. H.R. 1457, (Rep. Tipton), the Making Online Banking Initiation Legal and Easy Act of 2017 (To establish requirements for use of a driver's license or personal identification card by certain financial institutions for opening an account or obtaining a financial product or service, and for other purposes.) H.R. 2133, (Rep. Luetkemeyer), the Community Lending Enhancement and Regulatory Relief Act of 2017 (CLEARR act) (To provide regulatory relief to community financial institutions, and for other purposes.) H.R. 2226, (Rep. Barr), the Portfolio Lending and Mortgage Access Act (amends the Truth in Lending Act to allow a depository institution or credit union with assets below a specified threshold to forgo certain ability-to-pay requirements regarding residential mortgage loans) H.R. 2396, (Rep. Trott), the Privacy Notification Technical Correction Act (amends section 503 of the Gramm-Leach Bliley Act. H.R. 3221, (Rep. Kustoff), the Access to Affordable Mortgages Act of 2017 (Sec. 2) amends the Truth in Lending Act and the Financial Institutions Reform, Recovery, and Enforcement Act of 1989 to exempt from property appraisal requirements a mortgage loan of $250,000 or less if it appears on the loan creditor's balance sheet for at least three years.) H.R. 6792 -Consumers First Act -Draft bill H.R. ___ To amend the Economic Growth, Regulatory Relief, and Consumer Protection Act to clarify seasoning requirements for certain refinanced mortgage loans, and for other purposes -H.R. 134 - To amend title 11 of the United States Code with respect to modification of certain mortgages on principal residences, and for other purposes H.R. __, (Rep. Hollingsworth), the Ensuring Quality Unbiased Access to Loans Act of 2017 (To nullify certain guidance on deposit advance products and to amend the Federal Deposit Insurance Act to provide the appropriate Federal banking agencies with additional requirements when issuing such guidance, and for other purposes.) H.R. __, (Rep. Tenney), to simplify the process for national banks to obtain deposit insurance, & other purposes. House Appropriations Financial Services and General Government Financial Services Bill H.R. 1116, Taking Account of Institutions with Low Operation Risk (TAILOR) Act of 2017 (This bill requires federal financial regulatory agencies to: (1) tailor any regulatory actions so as to limit burdens on the institutions involved, with consideration of the risk profiles and business models of those institutions; and (2) report to Congress on specific actions taken to do so, as well as on other related issues. The bill's tailoring requirement applies not only to future regulatory actions but also to regulations adopted within the last seven years.) H.R. 1699, Preserving Access to Manufactured Housing Act of 2017 (amends the Truth in Lending Act (TILA) to specify that a retailer of manufactured housing is generally not a "mortgage originator" subject to requirements under that Act. Similarly, the bill amends the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 to specify that such a retailer is generally not a "loan originator" subject to requirements under that Act.) H.R. 2954, Home Mortgage Disclosure Adjustment Act (amends the Home Mortgage Disclosure Act of 1975 to exempt a depository institution from certain records and disclosure requirements related to the itemization of loan data: (1) with respect to closed-end mortgage loans, if the depository institution originated fewer than 500 such loans in each of the two preceding years; and (2) with respect to open-end lines of credit, if the depository institution originated fewer than 500 such lines of credit i
Client expense: $70,000 · Firm income: Not reported
Government targets: Consumer Financial Protection Bureau (CFPB), Education, Dept of, Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Housing & Urban Development, Dept of (HUD), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), Natl Economic Council (NEC), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), Treasury, Dept of, White House Office
2018 · third_quarter · Financial Institutions/Investments/Securities
H.R. 10 - Financial CHOICE Act of 2017; provisions relating to Rider 30e-3, SIFI designation, international capital standards, FIO restructuring, Senior$afe Act H.R. 135 - Cyber Privacy Fortification Act of 2017; entire bill H.R. 585 - Investor Choice Act of 2017; entire bill H.R. 1585 - Fair Investment Opportunities for Professional Experts Act; entire bill H.R. 1624 - Municipal Finance Support Act of 2017; entire bill H.R. 1669 - Partnership to Build America Act of 2017; entire bill H.R. 1670 - Infrastructure 2.0 Act; entire bill H.R. 2396 - Privacy Notification Technical Clarification Act; entire bill H.R. 3312 - Systemic Risk Designation Improvement Act of 2017; entire bill H.R. 3973 - Market Data Protection Act of 2017; entire bill H.R. 4061 - Financial Stability Oversight Council Improvement Act of 2017; entire bill H.R. 4279 - Expanding Investment Opportunities Act; entire bill H.R. 4790 - Volcker Rule Regulatory Harmonization Act; entire bill H.R. 5749 - Options Markets Stability Act; entire bill H.R. 6068 - Counter Terrorism and Illicit Finance Act; entire bill H.R. 6743 - Consumer Information Notification Requirement Act; entire bill S. 647 - Mandatory Arbitration Transparency Act of 2017; entire bill S. 1744 - Brokaw Act; entire bill S. 1893 - Systemic Risk Designation Improvement Act of 2017; entire bill S. 2499 - A Bill to Require the Financial Industry Regulatory Authority to Establish a Relief Fund to Provide Investors with the Full Value of Unpaid Arbitration Awards Issued Against Brokerage Firms or Brokers Regulated by the Authority; entire bill
Client expense: $130,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2018 · third_quarter · Banking
Issues related to credit union operations Issues related to credit union field of membership Issues related to credit union service organizations Issues related to vacancies on the National Credit Union Administration (NCUA) Board Issues related to NCUAs low income designation regulations Issues related to NCUA examination procedures Issues related to NCUAs regulation regarding its regulatory flexibility program Issues related to NCUAs proposed rule regarding emergency liquidity Issues related to NCUAs rulemaking process Issues related to NCUAs risk-based capital rule Issues related to NCUAs Advanced Notice of Proposed Rulemaking on Alternative Capital Issues related to NCUAs rule on securitization Issues related to NCUAs regulatory review process Issues related to NCUAs rule on Member Business Lending Issues related to Federal Credit Union bylaws Issues relating to home-based credit unions Issues related to credit union loan maturity restrictions Issues related to credit union investment authority Issues related to Regulation of Federal Credit Union by-laws Issues related to credit unions incidental powers Issues related to credit unions ability to offer prepaid cards Issues related to credit union service to marijuana businesses Issues related to material loss reports of the NCUA Office of Inspector General Issues related to the regulation of corporate credit unions Issues related to 1-4 Family Non-Owner Occupied Residential Loan Treatment as Residential Rather than Business Loans Issues related to the use of Eminent Domain to Seize Performing Mortgage Loans Issues related to fixed assets Issues related to credit union conversions Issues related to credit union call report modernization Issues related to premium assessments by the National Credit Union Share Insurance, NCUA Issues related to NCUAs Corporate Credit Union Stabilization Plan Issues related to NCUAs budget and the overhead transfer rate Issues related to Credit Union Service Organizations (CUSO) Issues related to the authority of the CFPB to exempt credit unions from its rulemaking Issues related to the CFPB rule to remittances and international wire transfers Issues related to CFPBs Leadership Structure and Installing a Board Rather than Director Issues related to funding the CFPB through the Appropriations Process Issues related to increasing the CFPB Supervisory Threshold Issues related to conducting a cost-benefit analysis of all CFPB Proposals Issues related to codifying the CFPBs Credit Union Advisory Council Issues related to requiring SBREFA Panels for CFPB Rulemakings Issues related to standardizing the definition of mortgage originator Issues related to overdraft protection and check ordering practices Issues related to mortgage servicing Issues related to mortgage loan originator compensation and qualifications Issues related to high-cost mortgage loans (HOEPA) Issues related to the CFPBs rule regarding qualified mortgage / ability to repay Issues related to reverse mortgages Issues related to the CFPBs regulation on Home Mortgage Disclosure Act (Regulation C) Issues related to the CFPBs regulation on Truth-in-Lending Act / Real Estate Settlement Procedures Act Integrated Disclosures Issues related to the payday, vehicle title, and similar lending Issues related to short term lending products and advance deposit products Issues related to the CFPBs consumer complaint database Issues related to the Department of Justices investigation entitled, Operation Choke Point Issues related to the Department of Defense proposal regarding Credit Extending to Service Members under MLA Issues related to indirect auto lending Issues related to credit union service to unbanked and underbanked consumers Issues related to the United States Postal Service Office of Inspector General report related to role of the postal service in financial services Issues related to the CFPB's proposal on arbitration Issues related to the Financial Accounting Standards Board (FASB) Issues related to mark-to-market accounting Issues related to private equity standards Issues related to data and cyber security Issues related to mobile banking and mobile payments Issues related to identity theft and fraud reduction Issues related to secure payments Issues related to merchant data breaches Issues related to the payments system Issues related to Federal Reserve Regulatory D Issues related to the Feds implementation of same-day ACH Issues related to the Bank Secrecy Act and Currency Transaction Reporting Requirements Issues related to the oversight of the Federal Housing Administration Issues related to USDA Rural Development Loan program Issues related to the Federal Home Loan Bank System Issues related to Fannie Mae capital Issues related to membership eligibility in the Federal Home Loan Bank System Issues related to financial literacy Issues related to Housing Finance Reform Issues related to student lending Issues related to the Economic Growth and Regulatory Paperwork Reduction Act process Issues related to retirement security Issues related to flood insurance Issues related to consumers access to records Issues related to economic growth Issues related to the National Credit Union Administration's Advance Notice of Proposed Rulemaking for Supplemental Capital Issues related to Interchange Fees Issues related to the funding of the National Credit Union Administration Issues related to the consumer notification of privacy standards Issues related to the Equal Credit Opportunity Act Issues related to the Fair Housing Act Issues related to the merger of credit unions Issues related to the Real Estate Settlement Procedures Act Issues related to the transfer of leadership at the Consumer Financial Protection Bureau Issues related to Community Reinvestment Act Issues related to Regulation Z Issues related to Military Lending Act Issues related to Financial Technology Issues related to Small Business Lending Data collection requirements Issues related to Involuntary liquidation of Federal Credit Unions and Claims procedures Issues related to Web-Based Quantitative Testing of Point of Sale / ATM Overdraft Disclosure Forms Issues related to residential appraisals Issues related to FHA appraisal certification Issues related to the nomination of Kathy Kraninger to the BCFP Issues related to GSE/Housing Finance Reform Issues related to FHA and USDA Loan Modifications Issues related to payments innovation Issues related to Faster payments Issues related to the Department of Treasury's Bluespring for a Modernized Financial Issues related to the Fair Credit Reporting Act Issues related to Treasure and IRS actions on the implementation of HR 1, the Tax Cuts and Job Act H.J. Res 111, a resolution providing for congressional disapproval under chapter 8 title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to "Arbitration Agreements" H.Con.Res. XX, a concurrent budget resolution for FY 2019-general issues H.R. 10, the Financial CHOICE Act H.R. 26, the Regulations in Need of Scrutiny Act, all provisions H.R. 389, the Credit Union Residential Loan Parity Act, all provisions H.R. 924, the Financial Institutions Due Process Act H.R. 1116, the Taking Account of Institutions with Low Operation Risk Act (TAILOR), all provisions H.R. 1153, the Mortgage Choice Act of 2017, all provisions H.R. 1244, the Capital Access for Small Businesses and Jobs Act, all provisions H.R. 1264, the Community Financial Institution Exemption Act, all provisions H.R. 1457, the MOBILE Act, all provisions H.R. 1585, the Mutual Bank Capital Opportunity Act, all provisions H.R. 1958, the Protections Affordable Coverage for Employees (PACE) Act, all provisions H.R. 2054, Protecting Americans from Credit Entanglements Act of 2017 H.R. 2133, the Community Lending Enhancement and Regulatory Relief Act, all provisions H.R. 2204, the Homeowner Information Privacy Protection Act, all provisions H.R. 2226, the Portfolio Lending and Mortgage Access Act, all provisions H.R. 2359, Fair Credit Reporting Act Liability Harmonization H.R. 2396, the Privacy Notification Technical Correction Act H.R. 2706, the Financial Institution Customer Protection Act, all provisions H.R. 2954, the Home Mortgage Disclosure Adjustment Act H.R. 3072, the Bureau of Consumer Financial Protection Examination and Reporting Threshold, all provisions H.R. 3089, the Corporate Transparency Act H.R. 3221, the Securing Access to Affordable Mortgages Act, all provisions H.R. 3299, the Protecting Consumers Access to Credit Act of 2017, all provisions H.R. 3746, the Business of Insurance Regulatory Reform Act of 2017 H.R. 3758, the Senior Safe Act of 2017 H.R. 3857, the PASS: Protecting Advice for Small Savers Act, all provisions H.R. 3866, to amend the Federal Credit Union Act to exclude extensions of credit made to veterans from the definition of a member business loan, all provisions H.R. 3911, the Risk-Based Credit Examination Act, all provisions H.R. 3971, the Community Institution Mortgage Relief Act of 2017 H.R. 3978, To amend the Real Estate Settlement Procedures Act of 1974 to modify requirements related to mortgage disclosures, and for other purposes H.R. 4464, the Common Sense Credit Union Capital Relief Act of 2017, all provisions H.R. 4545, the Financial Institutions Examination Fairness and Reform Act, all provisions H.R. 4607, the Comprehensive Regulatory Review Act, all provisions H.R. 4648, the Home Mortgage Reporting Relief Act of 2017, all provisions H.R. 5078, the TRID Improvement Act of 2018, all provisions H.R. 5266, the Financial Product Safety Commission Act of 2018, all provisions H.R. 5288, the Common Sense Credit Union Capital Relief Act of 2018, all provisions H.R. 5515, The John S. McCain National Defense Authorization Act, provisions related to financial service branches on military bases H.R. 5534, the Give Useful Information to Define Effective Compliance Act, all provisions H.R. 5952, Commerce, Justice, Science and Related Agencies Appropriations, Title II H.R. 6068, the Counter Terrorism and Illicit Finance Act, all provisions H.R. 6147, the Financial Services and General Government Appropriations Act for Fiscal Year 2019, all provisions H.R. 6385, Department of State, Foreign Operations, and Related Programs, Title I H.R. 6743, the Consumer Information Notification Requirement Act, all provisions H.R. 6850, the Financial Reporting Threshold Modernization Act , all provisions S.J. Res. 47, a resolution providing for congressional disapproval under Chapter 8 title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to "Arbitration Agreements" S. 21, the Regulations in Need of Scrutiny Act, all provisions S. 223, the Senior $afe Act, all provisions S. 366, the Taking Account of Institutions with Low Operation Risk (TAILOR) Act, all provisions S. 836, the Credit Union Residential Loan Parity Act, all provisions S. 838, the Protecting Affordable Coverage for Employees (PACE) Act, all provisions S. 869, Protecting Americans from Credit Entanglements Act of 2017 S. 1002, CLEAR Relief Act of 2017, all provisions S. 1310, Home Mortgage Disclosure Adjustment Act S. 1579, the Bureau of Consumer Financial Protection Advisory Board Enhancement Act S. 2155, Economic Growth, Regulatory Relief, and Consumer protection Act, all provisions S. 2237, the Financial Institution Examination Fairness Reform Act, all provisions S. 2463, Better Utilization of Investments Leading to Development (BUILD) Act S.J.Res. 19, A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act, all provisions Legislation contemplated by House Financial Services Committee Chairman Jeb Hensarling entitled the Financial Creating Hope and Opportunity for Investors, Consumer and Entrepreneurs (CHOICE) Act, provisions impacting credit unions, the National Credit Union Administration and the Consumer Financial Protection Bureau. Title XVII of the House Amendment to S. 488, the JOBS and Investor Confidence Act of 2018
Client expense: $1,020,000 · Firm income: Not reported
Government targets: Agriculture, Dept of (USDA), Consumer Financial Protection Bureau (CFPB), Executive Office of the President (EOP), Federal Communications Commission (FCC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), SENATE, Small Business Administration (SBA), Treasury, Dept of, Veterans Affairs, Dept of (VA)
2018 · third_quarter · Banking
HR 2396, The Privacy Notification Technical Clarification Act H.R. 6258 Financial Services and General Government Appropriations S. 3107 Financial Services and General Government Appropriations Act of 2019 S. 3164 Privacy Notification Technical Clarification Act
Client expense: $1,630,000 · Firm income: Not reported
Government targets: Commerce, Dept of (DOC), HOUSE OF REPRESENTATIVES, SENATE, U.S. Trade Representative (USTR)
2018 · third_quarter · Financial Institutions/Investments/Securities
Implementation of P.L. 111-203 Dodd Frank Wall Street Reform Consumer Protection Act as it relates to auto financing and hedging activities of end-users [including the Consumer Financial Protection Bureau (CFPB) and the Commodities Future Trading Commission (CFTC)]; Modernization of the Telephone Consumer Protection Act (TCPA); Streamlining annual privacy notification requirements (Privacy Notification Technical Clarification Act, H.R. 2396); Financial literacy; General issues affecting captive finance companies, including increasing brand awareness of GM's captive; Military Lending Act Interpretive Guidance; Privacy Notification Technical Clarification Act (S. 3164).
Client expense: $1,570,000 · Firm income: Not reported
Government targets: Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Consumer Financial Protection Bureau (CFPB), Defense, Dept of (DOD), Energy, Dept of, Environmental Protection Agency (EPA), Executive Office of the President (EOP), Federal Communications Commission (FCC), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Natl Economic Council (NEC), Natl Highway Traffic Safety Administration (NHTSA), Natl Security Council (NSC), Office of Management & Budget (OMB), Office of the Vice President of the United States, SENATE, Securities & Exchange Commission (SEC), State, Dept of (DOS), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Trade Representative (USTR), White House Office
2018 · third_quarter · Financial Institutions/Investments/Securities
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/S. 588, 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. 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/S. 2126, Fostering Innovation Act of 2017 H.R. 1702, Small Business Development Centers Improvement Act of 2018 H.R. 2128, Due Process Restoration Act of 2017 H.R. 2201, Micro Offering Safe Harbor Act H.R. 2226/S. 2013, Portfolio Lending and Mortgage Access 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/S. 1893, Systemic Risk Designation Improvement Act of 2017 H.R. 3746/S. 2702, 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. 3903/S. 2347, 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. 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/S. 2953, 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. 4753, Federal Reserve Supervision Testimony Clarification Act H.R. 4771, Small Bank Holding Company Relief Act of 2018 H.R. 4790, Volcker Rule Regulatory Harmonization Act H.R. 4861, Ensuring Quality Unbiased Access to Loans (EQUAL) Act of 2018 H.R. 5036, Financial Technology Protection Act H.R. 5051, Public Company Registration Threshold Act H.R. 5054, Small Company Disclosure Simplification Act of 2018 H.R. 5059, State Insurance Regulation Preservation Act H.R. 5105/S. 2436, Better Utilization of Investments Leading to Development (BUILD) Act of 2018 H.R. 5192/S. 2498, Protecting Children from Identity Theft Act H.R. 5266, Financial Product Safety Commission Act of 2018 H.R. 5323, Derivatives Fairness Act H.R. 5534, Give Useful Information to Define Effective (GUIDE) Compliance Act H.R. 5645, Standard Merger and Acquisition Reviews Through Equal Rules Act of 2018 H.R. 5749, Options Markets Stability Act H.R. 5756, To require the Securities and Exchange Commission to adjust certain resubmission thresholds for shareholder proposals H.R. 5783, Cooperate with Law Enforcement Agencies and Watch Act of 2018 H.R. 5877, Main Street Growth Act H.R. 5970, Simplifying Disclosures for Investors Act H.R. 5999, Streamlining Communications for Investors Act H.R. 6021, Small Business Audit Correction Act of 2018 H.R. 6035, Streamlining Communications for Investors Act H.R. 6068, Counter Terrorism and Illicit Finance Act H.R. 6130, Helping Startups Continue to Grow Act H.R. 6139, Improving Investment Research for Small and Emerging Issuers Act H.R. 6158, Brokered Deposit Affiliate-Subsidiary Modernization Act of 2018 H.R. 6177, Developing and Empowering our Aspiring Leaders Act of 2018 H.R. 6319, Expanding Investment in Small Businesses Act H.R. 6320, Promoting Transparent Standards for Corporate Insiders Act H.R. 6321, Investment Adviser Regulatory Flexibility Improvement Act H.R. 6322, Enhancing Multi-Class Stock Disclosures Act H.R. 6324, Middle Market IPO Underwriting Cost 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, JOBS and Investor Confidence Act of 2018 S. 536, Cybersecurity Disclosure Act of 2017 S. 1117, Consumer Financial Choice and Capital Markets Protection Act of 2017 S. 1241, Combating Money Laundering, Terrorist Financing, and Counterfeiting Act of 2017 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. 1744, Brokaw Act S. 2098, Foreign Investment Risk Review Modernization Act of 2017 S. 2155, Economic Growth, Regulatory Relief, and Consumer Protection Act S. 2499, A bill to require the Financial Industry Regulatory Authority to establish a relief fund to provide investors with the full value of unpaid arbitration awards issued against brokerage firms or brokers regulated by the Authority S. 2756, Fair Investment Opportunities for Professional Experts Act S. 2765, RBIC Advisers Relief Act of 2018 S. 3004, Small Business Audit Correction Act of 2018 S. 3421, Blue Sky Harmonization Act S. J. Res. 57, A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Indirect Auto Lending and Compliance with the Equal Credit Opportunity Act" 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 Draft legislation directing the Securities and Exchange Commission to increase and align the smaller reporting company and nonaccelerated filer financial thresholds Draft legislation to remove the limitation on large accelerated filers qualifying as an emerging growth company Draft legislation to require the Securities and Exchange Commission to revise the definition of a qualifying portfolio company to include an emerging growth company, for purposes of the exemption from registration for venture capital fund advisers under the Investment Advisers Act of 1940 Draft legislation to amend the Investment Company Act of 1940 to increase the percentage of voting shares a diversified company may hold in a single issuer 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 Proposed regulations on universal proxy (81 Fed. Reg. 79,122-79,186, November 10, 2016) Proposed rule on auditor independence with respect to certain loans or debtor-creditor relationships (83 Fed. Reg. 20,753-20,773, May 8, 2018) Proposed regulation on Regulation Best Interest (83 Fed. Reg. 21,574-21,682, May 9, 2018) Proposed Commission interpretation regarding standard of conduct for investment advisers; request for comment on enhancing investment (83 Fed. Reg. 21,203-21,214, May 9, 2018) Proposed rule on form CRS relationship summary; amendments to form ADV; required disclosures in retail communications and restrictions on the use of certain names or titles (83 Fed. Reg. 21,416-21,575, May 9, 2018) Federal Reserve and the Office of the Comptroller of the Currency; Joint Notice of Proposed Rulemaking: Regulatory Capital Rules: Regulatory Capital, Enhanced Supplementary Leverage Ratio Standards for U.S. Global Systemically Important Bank Holding Companies and Certain of Their Subsidiary Insured Depository Institutions; Total Loss-Absorbing Capacity Requirements for U.S. Global Systemically Important Bank Holding Companies; Federal Reserve System Docket No. R-1604 and OCC Docket ID OCC-2018-0002 Nomination of Kathleen Kraninger to serve as Director of the Bureau of Consumer Financial Protection Nomination of Elad Roisman to serve as a Commissioner of the Securities and Exchange Commission Nomination of Dr. Dino Falaschetti to serve as Director of the Office of Financial Research Nomination of Jelena McWilliams to be Chair of the Federal Deposit Insurance Corporation Nomination of Kimberly Reed to serve as President of the Export-Import Bank of the United States (Ex-Im) 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); implementation of the Economic Growth, Regulatory Relief, and Consumer Protection Act (P.L. 115-174, section 215); 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 regulatory sandbox for disclosures; CFPB consumer complaint database; CFPB reform; anti-money laundering and Bank Secrecy Act (P.L. 91-508) improvements; 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 strategic plan; Security Exchange Commission Rule 701 Form S-8 reforms; 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; Security Exchange Commission amendments to the Commissioners whistleblower rules file no. S7-16-18; Security Exchange Commission auditor independence with respect to certain loans or debtor-creditor relationships file no. S7-10-18; Security Exchange Commission Staff Legal Bulletin 20 Proxy Voting: Proxy Voting Responsibilities of Investment Advisers and Availability of Exemptions from the Proxy Rules for Proxy Advisory Firms; Security Exchange Commission proposal on the use of derivatives by registered investment companies and business development companies; Security Exchange Commission standards of conduct for investment advisers and broker-dealers; Public Company Accounting Oversight Board (PCAOB), including draft strategic plan for 2018-2022; Federal Trade Commission competition and consumer protection in the 21st century hearings regarding common ownership; disclosure requirements and materiality; JOBS Act 3.0; 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; consolidated asset thresholds related to the Advanced Approaches capital framework, the net stable fund ratio rule, and the liquidity coverage ratio rule; impact of prudential regulations on lending to small businesses by depository institutions; testimony by the Vice Chairman for Supervision, Federal Reserve Board, to the House Committee on Financial Services and the Senate Committee on Banking, Housing, and Urban Affairs; CFTC Proposed rulemaking on the De Minimis Exception to the Swap Dealer Definition; HUD proposed rulemaking regarding implementation of the Fair Housing Acts Disparate Impact Standard; Federal Trade Commission concerning Common Ownership; SEC proposed amendments to the Commissions Whistleblower Program rules; blockchain and fintech
Client expense: $17,560,000 · Firm income: Not reported
Government targets: Agency for Toxic Substances & Disease Registry, Agriculture, Dept of (USDA), Army, Dept of (Corps of Engineers), Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Consumer Financial Protection Bureau (CFPB), Council on Environmental Quality (CEQ), Defense, Dept of (DOD), Education, Dept of, Energy, Dept of, Environmental Protection Agency (EPA), Equal Employment Opportunity Commission (EEOC), Executive Office of the President (EOP), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Energy Regulatory Commission (FERC), Federal Reserve System, Federal Trade Commission (FTC), General Services Administration (GSA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Interior, Dept of (DOI), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Economic Council (NEC), Natl Labor Relations Board (NLRB), Natl Security Council (NSC), Natl Telecommunications & Information Administration (NTIA), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), Office of the Vice President of the United States, Patent & Trademark Office (PTO), Pension Benefit Guaranty Corporation (PBGC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Social Security Administration (SSA), State, Dept of (DOS), Transportation Security Administration (TSA), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Copyright Office, U.S. Customs & Border Protection, U.S. Fish & Wildlife Service (USFWS), U.S. Trade Representative (USTR), White House Office
2018 · third_quarter · Financial Institutions/Investments/Securities
Consumer Financial Protection Bureau regulatory actions, oversight and legislation to auto finance H.R. 2396, Privacy Notification Technical Clarification Act H.R. 10, "Financial Choice Act" - provisions related to CFPB reform
Client expense: Not reported · Firm income: $30,000
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2018 · third_quarter · Financial Institutions/Investments/Securities
Issues related to installment lending. Issues related to auto finance. H.R.2396/S.3164, Privacy Notification Technical Clarification Act. S.2155, Economic Growth, Regulatory Relief, and Consumer Protection Act (P.L.115-174).
Client expense: Not reported · Firm income: $20,000
Government targets: HOUSE OF REPRESENTATIVES, SENATE, White House Office
2018 · third_quarter · Banking
Issues Related to Cyber Security, Data Security & Breach Notification H.R. 6743, Consumer Information Notification Requirement Act Issues Related to Data Acquisition and Technology Accountability and Security Act Issues Related to the Consumer Financial Protection Bureau Legislation related to establishing a commission at the CFPB S. 105, Consumer Financial Protection Board Act of 2017, H.R. 5266 Financial Product Safety Commission Act of 2018 Issues related to the CFPBs rulemaking under the Home Mortgage Disclosure Act Issues related to Implementation of the TILA/RESPA Integrated Disclosures Issues related to anticipated rulemaking that would affect debt collection Issues related to Equal Credit Opportunity Act Issues related to CFPB Consumer Response Portal Issues related to Auto Guidance Issues related to CFPB Small-dollar Rule Issues related to H.R. 10, the Financial Choice Act of 2017 Issues related to Dodd-Frank Act, including Section 1071 S. 387, Consumer Financial Protection Bureau Accountability Act of 2017 H.R. 3601, Protecting Consumers from Frivolous Claims Act of 2017 H.R. 5534, GUIDE Compliance Act H.R. 3625, CFPB-IG Act of 2017 H.R. 2553, TABS Act of 2017 Nomination of Kathy Kraninger, Director BCFP Issues Related to Student Loans Issues related to the reauthorization of the Higher Education Act Issues related to the CFPBs and Department of Educations actions on student lending H.R. 1283/S. 749, Transparency in Student Lending H.R. 1635, Empowering Students Through Enhanced Financial Counseling Act Issues related to disclosures for federal student loans Legislation related to student loan refinancing programs Issues related to bankruptcy protections for student loans Issues related to federal student loan reform H.R. 4508, Promoting Real Opportunity, Success, and Prosperity through Education Reform Act H.R. 4119, The Student Loan Disclosure Modernization Act S. 1066, Federal Adjustment in Reporting Student Credit Act Issues Related to AML-BSA Reform Issues Related to FinCEN CDD Rule H.R. 6068 Counter Terrorism and Illicit Finance Act Issues Related to Appropriations H.R. 6258 & S. 3107 Financial Services & General Government Appropriations Act, 2019 H.R. 4439, Modernizing Credit Opportunities Act Issues Related to Deposit Advance Products H.R. 4861, EQUAL Act of 2018 Issues Related to the Fair Credit Reporting Act H.R. 2359 FCRA Liability Harmonization Act Issues Related to budget reconciliation Issues Related to FY18 budget Issues related to implementation of Public Law No: 115-97, Tax Cuts and Jobs Act. Issues related to S. 2237/H.R. 4545, Financial Institutions Examination Fairness and Reform Act Issues related to H.R. 2133, the Community Lending Enhancement and Regulatory Relief Act of 2017 Issues related to H.R. 924, the Financial Institutions Due Process Act of 2017 Issues related to H.R. 2396, the Privacy Notification Technical Clarification Act Issues related to H.R. 4607, Comprehensive Regulatory Review Act Issues related to H.R. 4648, Home Mortgage Reporting Relief Act Issues related to H.R. 6158, Brokered Deposit Affiliate-Subsidiary Modernization Act of 2018 Issues Related to the Community Reinvestment Act Issues Related to the Fair Credit Reporting Act H.R. 4028, Promoting Responsible Oversight of Transactions and Examinations of Credit Technology Act of 2017 Issues Related to Flood Insurance H.R. 2874, 21st Century Flood Reform Act S. 1571, National Flood Insurance Program Reauthorization Act of 2017 Issues Related to unfair, deceptive, or abusive acts or practices under Dodd-Frank Act Issues Related to systemic risk designations S. 1893/H.R. 3312, Systemic Risk Designation Improvement Act of 2017 Issues related to the Ensuring Quality Unbiased Access to Loans Act H.R. 2706, Financial Institution Customer Protection Act of 2017 Issues related to financial regulatory coordination Issues related to oversight of SBA 7(a) Loan Program H.R. 4743/S. 2283, Small Business 7(a) Lending Oversight Reform Act of 2018 Issues related to SBA Programs Commercial Real Estate Appraisal Threshold H.R. 6347, 7(a) Real Estate Appraisal Harmonization Act H.R. 6348, Small Business ACE Act Issues related to H.R. 4452, Right to Lend Act of 2017 Issues related to S. 1642/H.R. 3299, Protecting Consumers Access to Credit Act of 2017 Issues related to S. 2155 Economic Growth, Regulatory Relief, and Consumer Protection Act Issues Related to FinTech HR. 1457, the Making Online Banking Initiation Legal and Easy Act of 2017 Issues related to the E-SIGN Act S. 2854 MOBILE Act of 2018 H.R. 3299, Protecting Consumers Access to Credit Act of 2017 Issues related to H.R. 3857, Protecting Advice for Small Savers Act of 2017 Issues related to the Bank Secrecy Act and Anti-Money Laundering Issues related to the Counter Terrorism & Illicit Finance Act Regulations: Equal Credit Opportunity issues, Regulation B, 12 CFR Part 1002 Home Mortgage Disclosure Act Issues, Regulation C, 12 CFR Part 1003 Fair Debt Collection Practices Issues, Regulation F, 12 CFR Part 1006 Privacy Issues, 12 CFR Parts 40, 216, 332, 1016 Fair Credit Reporting Issues, 12 CFR Parts 41, 171, 334, 1022 Real Estate Settlement Procedures Issues, Regulation X, 12 CFR Part 1024 Truth in Lending Issues, Regulation Z, 12 CFR Part 1026 Disclosure of Records and Information, 12 CFR Part 1070 Regulations related to the Dodd-Frank Act, Pub. L. No. 111-203 Issues related to the Higher Education Act Issues related to Telephone Consumer Protection Act, 47 U.S.C. 227 Issues related to Electronic Fund Transfer Act, regulation E, 15 U.S.C. 1693 Issues related to FDIC Deposit Insurance Issues related to the Paperwork Reduction Act Issues related to the Military Lending Act Community Reinvestment Act Regulations & Q&A issues Issues related to the Servicemembers Civil Relief Act Issues related to Small Business Act Issues related to FCC & FTC Do Not Call Registry Issues related to the Bank Secrecy Act and Anti-Money Laundering rules Issues related to the Counter Terrorism & Illicit Finance Act Issues related to the CFPB Request for Information Process Issues related to FinCEN Due Diligence Rule S.A.F.E. Mortgage Licensing Act - Regulation G Privacy of Consumer Financial Information - Regulation P Truth in Saving - Regulation DD
Client expense: $720,000 · Firm income: Not reported
Government targets: Consumer Financial Protection Bureau (CFPB), Defense, Dept of (DOD), Education, Dept of, Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of
2018 · third_quarter · Banking
H.R.493, Subsidy Reserve Act of 2017, to require nonbank financial companies supervised by the Federal Reserve Board and bank holding companies over $500 billion of assets to establish and maintain Subsidy Reserves. H.R. 1116/S.366, the TAILOR Act H.R. 1264, Community Financial Institution Exemption Act H.R. 1624, Municipal Finance Support Act H.R. 1948, Small Bank Holding Company Relief Act H.R. 2121, Pension, Endowment, and Mutual Fund Access to Banking Act H.R. 2133, CLEARR Act of 017 H.R. 2396, the Privacy Notification Technical Clarification Act H.R. 2226, Portfolio Lending and Mortgage Access Act H.R. 2403, Keeping Capital Local for Underserved Communities Act of 2017 H.R. 2706, Financial Institution Customer Protection Act of 2017 H.R. 2793, Consumer Transaction Account Protection Act of 2017 H.R. 2954, Home Mortgage Disclosure Adjustment Act H.R. 3072, Bureau of Consumer Financial Protection Examination and Reporting Threshold Act of 2017 H.R. 3093, Investor Clarity and Bank Parity Act H.R. 3179, Transparency and Accountability for Business Standards Act H.R. 3221, the Securing Access to Affordable Mortgages Act H.R. 3312, The Systemic Risk Designation Improvement Act H.R. 3741, to codify the Minority Bank Deposit Program, and for other purposes. H.R. 3971, the Community Institution Mortgage Relief Act H.R. 3978, TRID Improvement Act of 2017 H.R. 4292, Financial Institution Living Will Improvement Act of 2017 H.R. 4293, Stress Test Improvement 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. 4439, the Modernizing Borrower Credit Opportunities Act H.R. 4545 / S. 2237, Financial Institutions Examination Fairness and Reform Act H.R. 4607, Comprehensive Regulatory Review Act H.R. 4648, Home Mortgage Relief Act of 2017 H.R. 4725, Community Bank Reporting Relief Act H.R. 4771, Small Bank Holding Company Relief Act H.R. 4790, Volcker Rule Regulatory Harmonization Act H.R. 4861, the Ensuring Quality Unbiased Access to Loans (EQUAL) Act H.R. 5076, Small Bank Exam Cycle Improvement Act of 2018 H.R. 5783, Cooperate with Law Enforcement Agencies and Watch Act of 2018 H.R. 6158, The Brokered Deposit-Affiliate Subsidiary Modernization Act of 2018 S. 828, to amend the Federal Deposit Insurance Act to require the appropriate Federal banking agencies to treat certain municipal obligations as level 2B liquid assets. S. 1002, CLEAR Relief Act S. 1139, Main Street Regulatory Fairness Act S. 1284, Community Bank Relief Act S. 1310, Home Mortgage Disclosure Adjustment Act S. 1500, 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. S. 1642 / H.R. 3299, Protecting Consumers' Access to Credit Act of 2017 S. 1893, to amend the Dodd-Frank Wall Street Reform and Consumer Protection Act to specify when bank holding companies may be subject to certain enhanced supervision. S. 1962, Community Bank Access to Capital Act of 2017 S. 2155, Economic Growth, Regulatory Relief, and Consumer Protection Act Russell Amendment to H.R. 5515, the National Defense Authorization Act for Fiscal Year 2019 Section 701 of H.R. 5841, the Foreign Investment Risk Review Modernization Act of 2018 Capital Rules Liquidity Rules LIBOR Stress Testing Accountability for Basel/FSB negotiations Volcker Rule Reform DoL Fiduciary Rule The Financial CHOICE Act Durbin Interchange Amendment De novo banks
Client expense: $2,130,000 · Firm income: Not reported
Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), Office of Management & Budget (OMB), SENATE, Treasury, Dept of, White House Office
2018 · third_quarter · Financial Institutions/Investments/Securities
Consumer Financial Protection Bureau regulatory actions, oversight and legislation to auto finance H.R. 2396, "Privacy Notification Technical Clarification Act" H.R. 10, "Financial Choice Act" - provisions related to CFPB reform.
Client expense: $40,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2018 · third_quarter · Financial Institutions/Investments/Securities
Privacy Notification Technical Clarification Act, H.R. 2396
Client expense: Not reported · Firm income: $15,000
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2018 · third_quarter · Economics/Economic Development
Privacy Notification Technical Clarification Act, H.R. 2396
Client expense: Not reported · Firm income: $15,000
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2018 · third_quarter · Financial Institutions/Investments/Securities
Dodd Frank Wall Street Reform and Consumer Protection Act and proposed reform bills (S. 2155), Auto Lending (CFPB regulations), Consumer Privacy (HR 2396 and S 3164), Industrial Loan Banks, Installment Lending, Military Lending (DoD regulations), Mortgage Lending, Payment Cards, Small Business Lending, Tax Reform, Telephone Consumer Protection Act, HJ Res 122 and SJ Res 56 on CRA for payday lending, SJ Res 57 on CFPB auto lending
Client expense: $150,000 · Firm income: Not reported
Government targets: Consumer Financial Protection Bureau (CFPB), Defense, Dept of (DOD), Federal Communications Commission (FCC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), SENATE, Small Business Administration (SBA), Treasury, Dept of, Vice President of the U.S., White House Office
2018 · third_quarter · Banking
Dodd Frank Wall Street Reform and Consumer Protection Act and proposed reform bills (S. 2155, HR 5266), Auto Lending (CFPB regulations), Consumer Privacy (HR 2396 and S 3164), Industrial Loan Banks, Installment Lending, Military Lending (DoD regulations), Mortgage Lending, Payment Cards, Small Business Lending, Tax Reform, Telephone Consumer Protection Act, HJ Res 122 and SJ Res 56 on CRA for payday lending, SJ Res 57 on CFPB auto lending
Client expense: $150,000 · Firm income: Not reported
Government targets: Consumer Financial Protection Bureau (CFPB), Defense, Dept of (DOD), Federal Communications Commission (FCC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), SENATE, Small Business Administration (SBA), Treasury, Dept of, Vice President of the U.S., White House Office
2018 · second_quarter · Financial Institutions/Investments/Securities
Privacy Notification Technical Clarification Act (HR 2396)
Client expense: $1,200,000 · Firm income: Not reported
Government targets: Commerce, Dept of (DOC), Environmental Protection Agency (EPA), HOUSE OF REPRESENTATIVES, Natl Highway Traffic Safety Administration (NHTSA), SENATE, U.S. Trade Representative (USTR), White House Office
2018 · second_quarter · Financial Institutions/Investments/Securities
Consumer Financial Protection Bureau regulatory actions, oversight and legislation to auto finance H.R. 2396, Privacy Notification Technical Clarification Act H.R. 10, "Financial Choice Act" - provisions related to CFPB reform
Client expense: Not reported · Firm income: $30,000
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2018 · second_quarter · Financial Institutions/Investments/Securities
H.R. 10 - Financial CHOICE Act of 2017; provisions relating to Rider 30e-3, SIFI designation, international capital standards, FIO restructuring, Senior$afe Act H.R. 135 - Cyber Privacy Fortification Act of 2017; entire bill H.R. 585 - Investor Choice Act of 2017; entire bill H.R. 1585 - Fair Investment Opportunities for Professional Experts Act; entire bill H.R. 1624 - Municipal Finance Support Act of 2017; entire bill H.R. 1669 - Partnership to Build America Act of 2017; entire bill H.R. 1670 - Infrastructure 2.0 Act; entire bill H.R. 2396 - Privacy Notification Technical Clarification Act; entire bill H.R. 3312 - Systemic Risk Designation Improvement Act of 2017; entire bill H.R. 3973 - Market Data Protection Act of 2017; entire bill H.R. 4061 - Financial Stability Oversight Council Improvement Act of 2017; entire bill H.R. 4279 - Expanding Investment Opportunities Act; entire bill H.R. 4790 - Volcker Rule Regulatory Harmonization Act; entire bill H.R. 6068 - Counter Terrorism and Illicit Finance Act; entire bill S. 647 - Mandatory Arbitration Transparency Act of 2017; entire bill S. 1744 - Brokaw Act; entire bill S. 1893 - Systemic Risk Designation Improvement Act of 2017; entire bill S. 2499 - A Bill to Require the Financial Industry Regulatory Authority to Establish a Relief Fund to Provide Investors with the Full Value of Unpaid Arbitration Awards Issued Against Brokerage Firms or Brokers Regulated by the Authority; entire bill Not Yet Introduced: Congressman Luetkemeyers data breach legislation
Client expense: $60,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2018 · second_quarter · Financial Institutions/Investments/Securities
Implementation of P.L. 111-203 Dodd Frank Wall Street Reform Consumer Protection Act as it relates to auto financing and hedging activities of end-users [including the Consumer Financial Protection Bureau (CFPB) and the Commodities Future Trading Commission (CFTC)]; Modernization of the Telephone Consumer Protection Act (TCPA); Streamlining annual privacy notification requirements (Privacy Notification Technical Clarification Act, H.R. 2396); Financial literacy; General issues affecting captive finance companies, including increasing brand awareness of GM's captive; Military Lending Act Interpretive Guidance; Privacy Notification Technical Clarification Act (S. 3164).
Client expense: $1,430,000 · Firm income: Not reported
Government targets: Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Consumer Financial Protection Bureau (CFPB), Defense, Dept of (DOD), Energy, Dept of, Environmental Protection Agency (EPA), Executive Office of the President (EOP), Federal Communications Commission (FCC), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Natl Economic Council (NEC), Natl Highway Traffic Safety Administration (NHTSA), Natl Security Council (NSC), Office of Management & Budget (OMB), Office of the Vice President of the United States, SENATE, Securities & Exchange Commission (SEC), State, Dept of (DOS), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Trade Representative (USTR), White House Office
2018 · second_quarter · Banking
Issues Related to Cyber Security, Data Security & Breach Notification Issues Related to Data Acquisition and Technology Accountability and Security Act Issues Related to the Consumer Financial Protection Bureau Legislation related to establishing a commission at the CFPB S. 105, Consumer Financial Protection Board Act of 2017, H.R. 5266 Financial Product Safety Commission Act of 2018 Issues related to the CFPBs rulemaking for prepaid cards Issues related to the CFPBs rulemaking under the Home Mortgage Disclosure Act Issues related to Implementation of the TILA/RESPA Integrated Disclosures Issues related to anticipated rulemaking that would affect debt collection Issues related to Equal Credit Opportunity Act Issues related to CFPB Consumer Response Portal Issues related to Auto Guidance Issues related to CFPB Small-dollar Rule Issues related to H.R. 10, the Financial Choice Act of 2017 Issues related to Dodd-Frank Act, including Section 1071 S. 387, Consumer Financial Protection Bureau Accountability Act of 2017 H.R. 3601, Protecting Consumers from Frivolous Claims Act of 2017 H.R. 5534, GUIDE Compliance Act H.R. 3625, CFPB-IG Act of 2017 H.R. 2553, TABS Act of 2017 Nomination of Kathy Kraninger, Director BCFP Issues Related to Student Loans Issues related to the reauthorization of the Higher Education Act Issues related to the CFPBs and Department of Educations actions on student lending H.R. 1283/S. 749, Transparency in Student Lending H.R. 1635, Empowering Students Through Enhanced Financial Counseling Act Issues related to disclosures for federal student loans Legislation related to student loan refinancing programs Issues related to bankruptcy protections for student loans Issues related to federal student loan reform H.R. 4508, Promoting Real Opportunity, Success, and Prosperity through Education Reform Act H.R. 4119, The Student Loan Disclosure Modernization Act S. 1066, Federal Adjustment in Reporting Student Credit Act Issues Related to AML-BSA Reform Issues Related to FinCEN CDD Rule H.R. 6068 Counter Terrorism and Illicit Finance Act Issues Related to Appropriations Financial Services and General Government Appropriations Act, 2019 H.R. 6258 & S. 3107 Financial Services & General Government Appropriations Act, 2019 Issues Related to Postal Banking H.R. 4439, Modernizing Credit Opportunities Act Issues Related to Deposit Advance Products H.R. 4861, EQUAL Act of 2018 Issues Related to the Fair Credit Reporting Act H.R. 2359 FCRA Liability Harmonization Act Issues Related to budget reconciliation Issues Related to FY18 budget Issues related to implementation of Public Law No: 115-97, Tax Cuts and Jobs Act. Issues related to S. 2237/H.R. 4545, Financial Institutions Examination Fairness and Reform Act Issues related to H.R. 2133, the Community Lending Enhancement and Regulatory Relief Act of 2017 Issues related to H.R. 924, the Financial Institutions Due Process Act of 2017 Issues related to H.R. 2396, the Privacy Notification Technical Clarification Act Issues related to H.R. 4607, Comprehensive Regulatory Review Act Issues related to H.R. 4648, Home Mortgage Reporting Relief Act Issues Related to the Community Reinvestment Act Issues Related to the Fair Credit Reporting Act H.R. 4028, Promoting Responsible Oversight of Transactions and Examinations of Credit Technology Act of 2017 Issues Related to the Department of Labor Fiduciary Rule Issues Related to Flood Insurance H.R. 2874, 21st Century Flood Reform Act S. 1571, National Flood Insurance Program Reauthorization Act of 2017 Issues Related to unfair, deceptive, or abusive acts or practices under Dodd-Frank Act Issues Related to systemic risk designations S. 1893/H.R. 3312, Systemic Risk Designation Improvement Act of 2017 Issues related to the Ensuring Quality Unbiased Access to Loans Act H.R. 2706, Financial Institution Customer Protection Act of 2017 Issues related to financial regulatory coordination Issues related to oversight of SBA 7(a) Loan Program H.R. 4743/S. 2283, Small Business 7(a) Lending Oversight Reform Act of 2018 Issues related to H.R. 4452, Right to Lend Act of 2017 Issues related to S. 1642/H.R. 3299, Protecting Consumers Access to Credit Act of 2017 Issues related to S. 2155 Economic Growth, Regulatory Relief, and Consumer Protection Act Issues Related to FinTech HR. 1457, the Making Online Banking Initiation Legal and Easy Act of 2017 Issues related to the E-SIGN Act S. 2854 MOBILE Act of 2018 H.R. 3299, Protecting Consumers Access to Credit Act of 2017 Issues related to H.R. 3857, Protecting Advice for Small Savers Act of 2017 Issues related to the Bank Secrecy Act and Anti-Money Laundering Issues related to the Counter Terrorism & Illicit Finance Act Regulations: Equal Credit Opportunity issues, Regulation B, 12 CFR Part 1002 Home Mortgage Disclosure Act Issues, Regulation C, 12 CFR Part 1003 Fair Debt Collection Practices Issues, Regulation F, 12 CFR Part 1006 Privacy Issues, 12 CFR Parts 40, 216, 332, 1016 Fair Credit Reporting Issues, 12 CFR Parts 41, 171, 334, 1022 Real Estate Settlement Procedures Issues, Regulation X, 12 CFR Part 1024 Truth in Lending Issues, Regulation Z, 12 CFR Part 1026 Disclosure of Records and Information, 12 CFR Part 1070 Regulations related to the Dodd-Frank Act, Pub. L. No. 111-203 Issues related to the Higher Education Act Issues related to Telephone Consumer Protection Act, 47 U.S.C. 227 Issues related to Electronic Fund Transfer Act, regulation E, 15 U.S.C. 1693 Issues related to FDIC Deposit Insurance Issues related to the Paperwork Reduction Act Issues related to the Military Lending Act Community Reinvestment Act Regulations & Q&A issues Issues related to the Servicemembers Civil Relief Act Issues related to Small Business Act Issues related to FCC & FTC Do Not Call Registry Issues related to the Bank Secrecy Act and Anti-Money Laundering rules Issues related to the Counter Terrorism & Illicit Finance Act Issues related to the CFPB Request for Information Process Issues related to FinCEN Due Diligence Rule
Client expense: $670,000 · Firm income: Not reported
Government targets: Consumer Financial Protection Bureau (CFPB), Defense, Dept of (DOD), Education, Dept of, Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of
2018 · second_quarter · Banking
H.R.493, Subsidy Reserve Act of 2017, to require nonbank financial companies supervised by the Federal Reserve Board and bank holding companies over $500 billion of assets to establish and maintain Subsidy Reserves. H.R. 1116/S.366, the TAILOR Act H.R. 1264, Community Financial Institution Exemption Act H.R. 1624, Municipal Finance Support Act H.R. 1948, Small Bank Holding Company Relief Act H.R. 2121, Pension, Endowment, and Mutual Fund Access to Banking Act H.R. 2133, CLEARR Act of 017 H.R. 2396, the Privacy Notification Technical Clarification Act H.R. 2226, Portfolio Lending and Mortgage Access Act H.R. 2403, Keeping Capital Local for Underserved Communities Act of 2017 H.R. 2706, Financial Institution Customer Protection Act of 2017 H.R. 2793, Consumer Transaction Account Protection Act of 2017 H.R. 2954, Home Mortgage Disclosure Adjustment Act H.R. 3072, Bureau of Consumer Financial Protection Examination and Reporting Threshold Act of 2017 H.R. 3093, Investor Clarity and Bank Parity Act H.R. 3179, Transparency and Accountability for Business Standards Act H.R. 3221, the Securing Access to Affordable Mortgages Act H.R. 3312, The Systemic Risk Designation Improvement Act H.R. 3741, to codify the Minority Bank Deposit Program, and for other purposes. H.R. 3971, the Community Institution Mortgage Relief Act H.R. 3978, TRID Improvement Act of 2017 H.R. 4292, Financial Institution Living Will Improvement Act of 2017 H.R. 4293, Stress Test Improvement 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. 4439, the Modernizing Borrower Credit Opportunities Act H.R. 4545 / S. 2237, Financial Institutions Examination Fairness and Reform Act H.R. 4607, Comprehensive Regulatory Review Act H.R. 4648, Home Mortgage Relief Act of 2017 H.R. 4725, Community Bank Reporting Relief Act H.R. 4771, Small Bank Holding Company Relief Act H.R. 4790, Volcker Rule Regulatory Harmonization Act H.R. 4861, the Ensuring Quality Unbiased Access to Loans (EQUAL) Act H.R. 5076, Small Bank Exam Cycle Improvement Act of 2018 H.R. 5783, Cooperate with Law Enforcement Agencies and Watch Act of 2018 S. 828, to amend the Federal Deposit Insurance Act to require the appropriate Federal banking agencies to treat certain municipal obligations as level 2B liquid assets. S. 1002, CLEAR Relief Act S. 1139, Main Street Regulatory Fairness Act S. 1284, Community Bank Relief Act S. 1310, Home Mortgage Disclosure Adjustment Act S. 1500, 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. S. 1642 / H.R. 3299, Protecting Consumers' Access to Credit Act of 2017 S. 1893, to amend the Dodd-Frank Wall Street Reform and Consumer Protection Act to specify when bank holding companies may be subject to certain enhanced supervision. S. 1962, Community Bank Access to Capital Act of 2017 S. 2155, Economic Growth, Regulatory Relief, and Consumer Protection Act Russell Amendment to H.R. 5515, the National Defense Authorization Act for Fiscal Year 2019 Section 701 of H.R. 5841, the Foreign Investment Risk Review Modernization Act of 2018 Capital Rules Liquidity Rules LIBOR Stress Testing Accountability for Basel/FSB negotiations Volcker Rule Reform DoL Fiduciary Rule The Financial CHOICE Act Durbin Interchange Amendment De novo banks
Client expense: $2,500,000 · Firm income: Not reported
Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), Office of Management & Budget (OMB), SENATE, Treasury, Dept of, White House Office
2018 · second_quarter · Banking
Issues related to credit union operations Issues related to credit union field of membership Issues related to credit union service organizations Issues related to vacancies on the National Credit Union Administration (NCUA) Board Issues related to NCUAs low income designation regulations Issues related to NCUA examination procedures Issues related to NCUAs regulation regarding its regulatory flexibility program Issues related to NCUAs proposed rule regarding emergency liquidity Issues related to NCUAs rulemaking process Issues related to NCUAs risk-based capital rule Issues related to NCUAs Advanced Notice of Proposed Rulemaking on Alternative Capital Issues related to NCUAs rule on securitization Issues related to NCUAs regulatory review process Issues related to NCUAs rule on Member Business Lending Issues related to Federal Credit Union bylaws Issues relating to home-based credit unions Issues related to credit union loan maturity restrictions Issues related to credit union investment authority Issues related to Regulation of Federal Credit Union by-laws Issues related to credit unions incidental powers Issues related to credit unions ability to offer prepaid cards Issues related to credit union service to marijuana businesses Issues related to material loss reports of the NCUA Office of Inspector General Issues related to the regulation of corporate credit unions Issues related to 1-4 Family Non-Owner Occupied Residential Loan Treatment as Residential Rather than Business Loans Issues related to the use of Eminent Domain to Seize Performing Mortgage Loans Issues related to fixed assets Issues related to credit union conversions Issues related to credit union call report modernization Issues related to premium assessments by the National Credit Union Share Insurance, NCUA Issues related to NCUAs Corporate Credit Union Stabilization Plan Issues related to NCUAs budget and the overhead transfer rate Issues related to Credit Union Service Organizations (CUSO) Issues related to the authority of the CFPB to exempt credit unions from its rulemaking Issues related to the CFPB rule to remittances and international wire transfers Issues related to CFPBs Leadership Structure and Installing a Board Rather than Director Issues related to funding the CFPB through the Appropriations Process Issues related to increasing the CFPB Supervisory Threshold Issues related to conducting a cost-benefit analysis of all CFPB Proposals Issues related to codifying the CFPBs Credit Union Advisory Council Issues related to requiring SBREFA Panels for CFPB Rulemakings Issues related to standardizing the definition of mortgage originator Issues related to overdraft protection and check ordering practices Issues related to mortgage servicing Issues related to mortgage loan originator compensation and qualifications Issues related to high-cost mortgage loans (HOEPA) Issues related to the CFPBs rule regarding qualified mortgage / ability to repay Issues related to reverse mortgages Issues related to the CFPBs regulation on Home Mortgage Disclosure Act (Regulation C) Issues related to the CFPBs regulation on Truth-in-Lending Act / Real Estate Settlement Procedures Act Integrated Disclosures Issues related to the payday, vehicle title, and similar lending Issues related to short term lending products and advance deposit products Issues related to the CFPBs consumer complaint database Issues related to the Department of Justices investigation entitled, Operation Choke Point Issues related to the Department of Defense proposal regarding Credit Extending to Service Members under MLA Issues related to indirect auto lending Issues related to credit union service to unbanked and underbanked consumers Issues related to the United States Postal Service Office of Inspector General report related to role of the postal service in financial services Issues related to the CFPB's proposal on arbitration Issues related to the Financial Accounting Standards Board (FASB) Issues related to mark-to-market accounting Issues related to private equity standards Issues related to data and cyber security Issues related to mobile banking and mobile payments Issues related to identity theft and fraud reduction Issues related to secure payments Issues related to merchant data breaches Issues related to the payments system Issues related to Federal Reserve Regulatory D Issues related to the Feds implementation of same-day ACH Issues related to the Bank Secrecy Act and Currency Transaction Reporting Requirements Issues related to the oversight of the Federal Housing Administration Issues related to USDA Rural Development Loan program Issues related to the Federal Home Loan Bank System Issues related to Fannie Mae capital Issues related to membership eligibility in the Federal Home Loan Bank System Issues related to financial literacy Issues related to Housing Finance Reform Issues related to student lending Issues related to the Economic Growth and Regulatory Paperwork Reduction Act process Issues related to retirement security Issues related to flood insurance Issues related to consumers access to records Issues related to economic growth Issues related to the National Credit Union Administration's Advance Notice of Proposed Rulemaking for Supplemental Capital Issues related to Interchange Fees Issues related to the funding of the National Credit Union Administration Issues related to the consumer notification of privacy standards Issues related to the Equal Credit Opportunity Act Issues related to the Fair Housing Act Issues related to the merger of credit unions Issues related to the Real Estate Settlement Procedures Act Issues related to the transfer of leadership at the Consumer Financial Protection Bureau Issues related to Community Reinvestment Act Issues related to Regulation Z Issues related to Military Lending Act Issues related to Financial Technology Issues related to Small Business Lending Data collection requirements Issues related to Involuntary liquidation of Federal Credit Unions and Claims procedures Issues related to Web-Based Quantitative Testing of Point of Sale / ATM Overdraft Disclosure Forms H.J. Res 111, a resolution providing for congressional disapproval under chapter 8 title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to "Arbitration Agreements" H.R. 10, the Financial CHOICE Act H.R. 26, the Regulations in Need of Scrutiny Act, all provisions H.R. 389, the Credit Union Residential Loan Parity Act, all provisions H.R. 924, the Financial Institutions Due Process Act H.R. 1116, the Taking Account of Institutions with Low Operation Risk Act (TAILOR), all provisions H.R. 1153, the Mortgage Choice Act of 2017, all provisions H.R. 1244, the Capital Access for Small Businesses and Jobs Act, all provisions H.R. 1264, the Community Financial Institution Exemption Act, all provisions H.R. 1457, the MOBILE Act, all provisions H.R. 1585, the Mutual Bank Capital Opportunity Act, all provisions H.R. 1958, the Protections Affordable Coverage for Employees (PACE) Act, all provisions H.R. 2054, Protecting Americans from Credit Entanglements Act of 2017 H.R. 2133, the Community Lending Enhancement and Regulatory Relief Act, all provisions H.R. 2204, the Homeowner Information Privacy Protection Act, all provisions H.R. 2226, the Portfolio Lending and Mortgage Access Act, all provisions H.R. 2359, Fair Credit Reporting Act Liability Harmonization H.R. 2396, the Privacy Notification Technical Correction Act H.R. 2706, the Financial Institution Customer Protection Act, all provisions H.R. 2954, the Home Mortgage Disclosure Adjustment Act H.R. 3072, the Bureau of Consumer Financial Protection Examination and Reporting Threshold, all provisions H.R. 3089, the Corporate Transparency Act H.R. 3221, the Securing Access to Affordable Mortgages Act, all provisions H.R. 3299, the Protecting Consumers Access to Credit Act of 2017, all provisions H.R. 3746, the Business of Insurance Regulatory Reform Act of 2017 H.R. 3758, the Senior Safe Act of 2017 H.R. 3857, the PASS: Protecting Advice for Small Savers Act, all provisions H.R. 3866, to amend the Federal Credit Union Act to exclude extensions of credit made to veterans from the definition of a member business loan, all provisions H.R. 3911, the Risk-Based Credit Examination Act, all provisions H.R. 3971, the Community Institution Mortgage Relief Act of 2017 H.R. 3978, To amend the Real Estate Settlement Procedures Act of 1974 to modify requirements related to mortgage disclosures, and for other purposes H.R. 4464, the Common Sense Credit Union Capital Relief Act of 2017, all provisions H.R. 4545, the Financial Institutions Examination Fairness and Reform Act, all provisions H.R. 4607, the Comprehensive Regulatory Review Act, all provisions H.R. 4648, the Home Mortgage Reporting Relief Act of 2017, all provisions H.R. 5078, the TRID Improvement Act of 2018, all provisions H.R. 5266, the Financial Product Safety Commission Act of 2018, all provisions H.R. 5288, the Common Sense Credit Union Capital Relief Act of 2018, all provisions S.J. Res. 47, a resolution providing for congressional disapproval under Chapter 8 title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to "Arbitration Agreements" S. 21, the Regulations in Need of Scrutiny Act, all provisions S. 223, the Senior $afe Act, all provisions S. 366, the Taking Account of Institutions with Low Operation Risk (TAILOR) Act, all provisions S. 836, the Credit Union Residential Loan Parity Act, all provisions S. 838, the Protecting Affordable Coverage for Employees (PACE) Act, all provisions S. 869, Protecting Americans from Credit Entanglements Act of 2017 S. 1002, CLEAR Relief Act of 2017, all provisions S. 1310, Home Mortgage Disclosure Adjustment Act S. 1579, the Bureau of Consumer Financial Protection Advisory Board Enhancement Act S. 2155, Economic Growth, Regulatory Relief, and Consumer protection Act, all provisions S. 2237, the Financial Institution Examination Fairness Reform Act, all provisions S.J.Res. 19, A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act, all provisions Legislation contemplated by House Financial Services Committee Chairman Jeb Hensarling entitled the Financial Creating Hope and Opportunity for Investors, Consumer and Entrepreneurs (CHOICE) Act, provisions impacting credit unions, the National Credit Union Administration and the Consumer Financial Protection Bureau.
Client expense: $1,070,000 · Firm income: Not reported
Government targets: Agriculture, Dept of (USDA), Consumer Financial Protection Bureau (CFPB), Executive Office of the President (EOP), Federal Communications Commission (FCC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), SENATE, Small Business Administration (SBA), Treasury, Dept of, Veterans Affairs, Dept of (VA)
2018 · second_quarter · Banking
Bills in the Senate: S. 708 Regulatory Improvement Act (Establishes in the legislative branch the Regulatory Improvement Commission.) S. 774 Financial Institutions Examination Fairness and Reform Act (Amends the Federal Financial Institutions Examination Council Act of 1978 to require a federal financial institutions regulatory agency to make a final examination report to a financial institution within 60 days of the later of: (1) the exit interview for an examination of the institution, or (2) the provision of additional information by the institution relating to the examination.) S. 1484 Financial Regulatory Improvement Act of 2015 (This bill amends the Gramm-Leach-Bliley Act to exempt from the requirement to provide consumers with an annual written disclosure of their privacy policy certain financial institutions that provide nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution.) S. 1491 Community Lender Regulatory Relief and Consumer Protection Act of 2015 (Bill amends the Truth in Lending Act, Gramm0Leach Bliley Act, FDI Act, FHLB Act, and the Securities Exchange Act) S. 1607 the Independent Agency Regulatory Analysis Act of 2015 (A bill to affirm the authority of the President to require independent regulatory agencies to comply with regulatory analysis requirements applicable to executive agencies, and for other purposes.) S. 1647 Developing a Reliable and Innovative Vision for the Economy Act (To amend title 23, United States Code, to authorize funds for Federal-aid highways and highway safety construction programs, and for other purposes.) S. 1773 Consumer Reporting Fairness Act of 2015 (To amend title 11, United States Code, to require creditors to inform consumer reporting agencies that certain debts have been discharged in bankruptcy cases.) S. 1818 Principled Rulemaking Act (This bill revises the federal agency rulemaking process to require a agencies to promulgate only rules (defined to exclude agency actions involving a military or foreign affairs function of the United States or a matter relating to agency management or personnel or to public property, loans, grants, benefits, or contracts) that are required by law, necessary to interpret a law, or made necessary by public need, to protect or improve the health and safety of the public, the environment, or the wellbeing of the people of the United States.) S. 1820 Early Participation in Regulations Act (he bill directs an agency, not later than 90 days before publishing a notice of proposed rule making for a major rule in the Federal Register, to publish advance notice of proposed rule making for such rule,) S. 1817 Smarter Regulations Through Advance Planning and Review Act ( This bill requires a federal agency, when publishing a proposed major rule and when publishing a final major rule, to include a framework for assessing the rule) S. 1958 Christopher Bryski Student Loan Protection Act (To establish additional protections and disclosures for students and co-signers with respect to student loans, and for other purposes.) S. 2038 Jumpstart GSE reform Act (prohibits the use of an increase in the guarantee fee required to be charged by the Federal National Mortgage Association (Fannie Mae), the Federal Home Loan Mortgage Corporation (Freddie Mac), or any affiliate of such organizations (enterprises) to offset an increase in outlays or a reduction in revenues for any purposes other than those related to the enterprises' business functions) S. 2663 Reforming CFPB Indirect Auto Financing Guidance Act (This bill declares without force or effect Consumer Financial Protection Bureau (CFPB) Bulletin 2013-02 (Indirect Auto Lending and Compliance with the Equal Credit Opportunity Act), published March 21, 2013.) S.J. Res. 19 - A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act. (CRA) S. 552: Justice for Victims of Fraud Act (This bill amends the Truth in Lending Act and the Electronic Fund Transfer Act to prohibit predispute arbitration agreements with consumers (i.e., agreements to arbitrate any future disputes between parties instead of pursuing the claims in court) from being valid or enforceable in disputes related to credit card accounts or personal bank accounts that are not subject to a final judgment by a court if the credit card or bank account was not issued in response to a request or application for that account.) S. 537: Arbitration Fairness Act (This bill prohibits a predispute arbitration agreement from being valid or enforceable if it requires arbitration of an employment, consumer, antitrust, or civil rights dispute.) S. 550: Restoring Statutory Rights and Interests of the States Act (This bill amends the Federal Arbitration Act to invalidate arbitration agreements between parties in certain commercial contracts or transactions if they require arbitration of a claim for damages or injunctive relief brought by an individual or small business arising from the alleged violation of a federal or state statute, the U.S. Constitution, or a state constitution, unless the written agreement to arbitrate is entered into by both parties after the claim has arisen and pertains solely to an existing claim.) S. 553: Court Legal Access and Student Support (CLASS) Act (This bill makes procedures for the enforcement of arbitration agreements inapplicable to an enrollment agreement between a student and an institution of higher education (IHE).) S. 647: Mandatory Arbitration Transparency Act (This bill prohibits predispute arbitration agreements from containing a confidentiality clause regarding an employment, consumer, or civil rights dispute that could be interpreted to prohibit a party from: (1) making a communication in a manner such that the prohibition would violate a whistle-blower statute; or (2) reporting or making a communication about tortious conduct, unlawful conduct, or issues of public policy or public concern. ) S. 646: Justice for Servicemembers Act (This bill authorizes the Department of Justice (DOJ) to initiate an action for relief in a service member's employment or reemployment rights action with respect to: (1) a private or state employer, or (2) a state or private employer that is engaged in a pattern or practice to infringe upon such rights.) S.951 - Regulatory Accountability Act of 2017 (This bill codifies and revises notice-and-comment rulemaking procedures to require federal agencies to consider: (1) whether a rulemaking is required by statute or is within the discretion of the agency, (2) whether existing federal laws or rules could be amended or rescinded to address the problem, and (3) reasonable alternatives for a new rule.) S. 1642, Protecting Consumers Access to Credit Act of 2017 (This bill amends the Revised Statutes, the Home Owners' Loan Act, the Federal Credit Union Act, and the Federal Deposit Insurance Act to state that bank loans that are valid when made as to their maximum rate of interest in accordance with federal law shall remain valid with respect to that rate regardless of whether a bank has subsequently sold or assigned the loan to a third party.0 S.J.Res.47 - A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Arbitration Agreements" S. 1659, the Protecting Consumers from Unreasonable Credit Rates Act (This bill amends the Truth in Lending Act to prohibit a creditor from extending credit to a consumer under an open end consumer credit plan (credit card) for which the fee and interest rate exceeds 36%.) S.2155, Economic Growth, Regulatory Relief, and Consumer Protection Act (bill aimed at rolling back financial regulations concerning banks and other financial institutions) S.J. Res. 57 A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Indirect Auto Lending and Compliance with the Equal Credit Opportunity Act" Bills in the House: H.R. 4, makes revisions to Federal law to improve the conditions necessary for economic growth and job creation, and for other purposes. H.R. 37, makes technical corrections to the Dodd-Frank Wall Street Reform and Consumer Protection Act, to enhance the ability of small and emerging growth companies to access capital through public and private markets, to reduce regulatory burdens, and for other purposes. H.R. 50, provides for additional safeguards with respect to imposing Federal mandates, and for other purposes. H.R. 113, improves the accountability and transparency of the Board of Governors of the Federal Reserve System, and for other purposes. H.R. 185, reforms the process by which Federal agencies analyze and formulate new regulations and guidance documents. H.R. 347, amends the Credit Repair Organizations Act to exempt certain consumer reporting agencies, and for other purposes. H.R. 367, amends chapter 8 of title 5, United States Code, to provide that major rules of the executive branch shall have no force or effect unless a joint resolution of approval is enacted into law. H.R. 427, amends chapter 8 of title 5, United States Code, to provide that major rules of the executive branch shall have no force or effect unless a joint resolution of approval is enacted into law. H.R. 527, amends chapter 6 of title 5, United States Code (commonly known as the Regulatory Flexibility Act), to ensure complete analysis of potential impacts on small entities of rules, and for other purposes. H.R. 650, amends the Truth in Lending Act to modify the definitions of a mortgage originator and a high-cost mortgage. H.R. 685, amends the Truth in Lending Act to improve upon the definitions provided for points and fees in connection with a mortgage transaction. H.R. 766, provides requirements for the appropriate Federal banking agencies when requesting or ordering a depository institution to terminate a specific customer account, to provide for additional requirements related to subpoenas issued under the Financial Institutions Reform, Recovery, and Enforcement Act of 1989, and for other purposes. H.R. 899, provides for additional safeguards with respect to imposing Federal mandates, and for other purposes. H.R. 957, requires Senate confirmation of Inspector General of the Bureau of Consumer Financial Protection, and for other purposes. H.R. 1090, amends the Securities Exchange Act of 1934 to provide protections for retail customers, and for other purposes. H.R. 1195, amends the Consumer Financial Protection Act of 2010 to establish advisory boards, and for other purposes H.R. 1210, amends the Truth in Lending Act to provide a safe harbor from certain requirements related to qualified mortgages for residential mortgage loans held on an originating depository institution's portfolio, and for other purposes. H.R. 1259, provides for an application process for interested parties to apply for an area to be designated as a rural area, and for other purposes. H.R. 1261, amends the Consumer Financial Protection Act of 2010 to bring the Bureau of Consumer Financial Protection into the regular appropriations process, and for other purposes. H.R. 1264, provides an exemption from rules and regulations of the Bureau of Consumer Financial protection for community financial institutions, and for other purposes. H.R. 1265, applies the requirements of the Federal Advisory Committee Act to the Bureau of Consumer Financial Protection. H.R. 1266, amends the Consumer Financial Protection Act of 2010 to make the Bureau of Consumer Financial Protection an independent Financial Product Safety Commission, and for other purposes. H.R. 1413, terminates Operation Choke Point. H.R. 1493, imposes certain limitations on consent decrees and settlement agreements by agencies that require the agencies to take regulatory action in accordance with the terms thereof, and for other purposes. H.R. 1529, amends the Truth in Lending Act and the Real Estate Settlement Procedures Act of 1974 to modify the requirements for community financial institutions with respect to certain rules relating to mortgage loans, and for other purposes. H.R. 1553 amends the Federal Deposit Insurance Act to specify which smaller institutions may qualify for an 18-month examination cycle. H.R. 1660, amends the Home Owners' Loan Act to allow Federal savings associations to elect to operate as national banks, and for other purposes. H.R. 1737, nullifies certain guidance of the Bureau of Consumer Financial Protection and to provide requirements for guidance issued by the Bureau with respect to indirect auto lending. H.R. 1799, amends the Real Estate Settlement Procedures Act of 1974 to prohibit certain financial benefits for referrals of business and to improve the judicial relief for certain violations, and for other purposes. H.R. 1941, improves the examination of depository institutions, and for other purposes. H.R. 2213, provides for a temporary safe harbor from the enforcement of integrated disclosure requirements for mortgage loan transactions under the Real Estate Settlement Procedures Act of 1974 and the Truth in Lending Act, and for other purposes. H.R. 2029, makes appropriations for military construction, the Department of Veterans Affairs, and related agencies for the fiscal year ending September 30, 2016, and for other purposes. H.R. 2243, suspends the current compensation packages for the senior executives of Fannie Mae and Freddie Mac and establish compensation for such positions in accordance with rates of pay for senior employees in the Executive Branch of the Federal Government, and for other purposes. H.R. 2354, directs the Securities and Exchange Commission to review all its significant regulations to determine whether such regulations are necessary in the public interest or whether such regulations should be amended or rescinded. H.R. 4294, amends the Internal Revenue Code of 1986 to ensure that retirement investors receive advice in their best interests, and for other purposes. H.R. 2542 amends chapter 6 of title 5, United States Code (commonly known as the Regulatory Flexibility Act), to ensure complete analysis of potential impacts on small entities of rules, and for other purposes. H.R. 2683, amends the Fair Credit Reporting Act to delay the inclusion in consumer credit reports and to establish requirements for debt collectors with respect to medical debt information of veterans due to inappropriate or delayed billing payments or reimbursements from the Department of Veterans Affairs, and for other purposes. H.R. 2577, makes appropriations for the Departments of Transportation, and Housing and Urban Development, and related agencies for the fiscal year ending September 30, 2016, and for other purposes. H.R. 2804, amends title 5, United States Code, to require the Administrator of the Office of Information and Regulatory Affairs to publish information about rules on the Internet, and for other purposes. H.R. 3035, amends the Fair Credit Reporting Act to clarify Federal law with respect to reporting certain positive consumer credit information to consumer reporting agencies, and for other purposes. H.R. 3189. amends the Federal Reserve Act to establish requirements for policy rules and blackout periods of the Federal Open Market Committee, to establish requirements for certain activities of the Board of Governors of the Federal Reserve System, and to amend title 31, United States Code, to reform the manner in which the Board of Governors of the Federal Reserve System is audited, and for other purposes. H.R. 3192, provides for a temporary safe harbor from the enforcement of integrated disclosure requirements for mortgage loan transactions under the Real Estate Settlement Procedures Act of 1974 and the Truth in Lending Act, and for other purposes. H.R. 3438, amends title 5, United States Code, to postpone the effective date of high-impact rules pending judicial review. H.R. 3634, establishes student loan borrowers' rights to basic consumer protections, reasonable and flexible repayment options, access to earned credentials, and effective loan cancellation in exchange for public service, and for other purposes. H.R. 4018, amends the Truth in Lending Act to establish deferred presentment transaction requirements, and for other purposes. H.R. 4293, amends the Employee Retirement Income Security Act of 1974 to ensure that retirement investors receive advice in their best interests, and for other purposes. H.R. 4439, amends the Revised Statutes, the Bank Service Company Act, the Federal Deposit Insurance Act, and the Home Owners' Loan Act to clarify that the role of the insured depository institution as lender and the location of an insured depository institution under applicable law are not affected by any contract between the institution and a third-party service provider, and to clarify that Federal preemption of State usury laws applies to any loan to which an insured depository institution is the party to which the debt is initially owed according to its terms, and for other purposes. H.R. 4550, 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 a debt collector, to amend the Consumer Financial Protection Act of 2010 to prevent the Bureau of Consumer Financial Protection from exercising supervisory or enforcement authority with respect to attorneys when undertaking certain actions related to legal proceedings, and for other purposes. H.R. 4648, delays the effective date of certain regulations relating to home mortgage disclosures, to suspend certain data sharing requirements, and for other purposes. H.R. 4725, amends the Federal Deposit Insurance Act to require short form call reports for certain depository institutions. H.R. 4768, amends title 5, United States Code, to clarify the nature of judicial review of agency interpretations of statutory and regulatory provisions. H.R. 4986, amends certain banking statutes in response to Operation Choke Point. H.R. 5143, provides greater transparency and congressional oversight of international insurance standards setting processes, and for other purposes. H.R. 5485, makes appropriations for financial services and general government for the fiscal year ending September 30, 2017, and for other purposes. H.R. 5982, amends chapter 8 of title 5, United States Code, to provide for en bloc consideration in resolutions of disapproval for "midnight rules", and for other purposes. Fiscal Year 2016 spending bills for the Department of Justice (CJS) Makes appropriations for the Departments of Commerce and Justice, Science, and Related Agencies for the fiscal year ending September 30, 2016, and for other purposes. Fiscal Year 2016 spending bills for the Department of Housing and Urban Development (THUD), Bill will fund critical infrastructure and safety programs, provide responsible levels of funding for low-income housing Fiscal Year 2017 Commerce, Justice, Science Funding Bill, Bill targets funding to law enforcement and national security efforts, economic development, and fundamental research activities H.R. 21 -Midnight Rules Relief Act of 2017, amends chapter 8 of title 5, United States Code, to provide for en bloc consideration in resolutions of disapproval for "midnight rules", and for other purposes. H.R. 26 -Executive Need of Scrutiny Act of 2017 (REINS Act), amends chapter 8 of title 5, United States Code, to provide that major rules of the executive branch shall have no force or effect unless a joint resolution of approval is enacted into law. H.R. 5 -Regulatory Accountability Act of 2017 (RAA), reforms the process by which Federal agencies analyze and formulate new regulations and guidance documents, to clarify the nature of judicial review of agency interpretations, to ensure complete analysis of potential impacts on small entities of rules, and for other purposes. H.J. Res. 73 - Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act. (CRA) H.R. 1424, amends the Truth in Lending Act and the Electronic Fund Transfer Act to provide justice to victims of fraud. H.R. 1374, amends title 9 of the United States Code with respect to arbitration. H.R. 1396, restores statutory rights to the people of the United States from forced arbitration. H.R. 985, amends the procedures used in Federal court class actions and multidistrict litigation proceedings to assure fairer, more efficient outcomes for claimants and defendants, and for other purposes. H.R. 585, amends the Securities Exchange Act of 1934 to prohibit mandatory pre-dispute arbitration agreements, and for other purposes. H.R. 864, (Rep. Love), amends the Fair Debt Collection Practices Act to restrict the debt collection practices of certain debt collectors H.R. 924, (Rep. Rothfus), amends the Federal Financial Institutions Examination Council Act of 1978 to establish a three-judge independent examination review panel. H.R. 1457, (Rep. Tipton), the Making Online Banking Initiation Legal and Easy Act of 2017 (To establish requirements for use of a driver's license or personal identification card by certain financial institutions for opening an account or obtaining a financial product or service, and for other purposes.) H.R. 2133, (Rep. Luetkemeyer), the Community Lending Enhancement and Regulatory Relief Act of 2017 (CLEARR act) (To provide regulatory relief to community financial institutions, and for other purposes.) H.R. 2226, (Rep. Barr), the Portfolio Lending and Mortgage Access Act ( This bill amends the Truth in Lending Act to allow a depository institution or credit union with assets below a specified threshold to forgo certain ability-to-pay requirements regarding residential mortgage loans) H.R. 2396, (Rep. Trott), the Privacy Notification Technical Correction Act (Bill amends section 503 of the Gramm-Leach Bliley Act. H.R. 3221, (Rep. Kustoff), the Access to Affordable Mortgages Act of 2017 (Sec. 2) This bill amends the Truth in Lending Act and the Financial Institutions Reform, Recovery, and Enforcement Act of 1989 to exempt from property appraisal requirements a mortgage loan of $250,000 or less if it appears on the loan creditor's balance sheet for at least three years.) H.R. ____, (Rep. Hollingsworth), the Ensuring Quality Unbiased Access to Loans Act of 2017 (To nullify certain guidance on deposit advance products and to amend the Federal Deposit Insurance Act to provide the appropriate Federal banking agencies with additional requirements when issuing such guidance, and for other purposes.) H.R. ____, (Rep. Tenney), to simplify the process for national banks to obtain deposit insurance, and for other purposes. House Appropriations Financial Services and General Government Financial Services Bill H.R. 1116, Taking Account of Institutions with Low Operation Risk (TAILOR) Act of 2017 (This bill requires federal financial regulatory agencies to: (1) tailor any regulatory actions so as to limit burdens on the institutions involved, with consideration of the risk profiles and business models of those institutions; and (2) report to Congress on specific actions taken to do so, as well as on other related issues. The bill's tailoring requirement applies not only to future regulatory actions but also to regulations adopted within the last seven years.) H.R. 1699, Preserving Access to Manufactured Housing Act of 2017 (This bill amends the Truth in Lending Act (TILA) to specify that a retailer of manufactured housing is generally not a "mortgage originator" subject to requirements under that Act. Similarly, the bill amends the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 to specify that such a retailer is generally not a "loan originator" subject to requirements under that Act.) H.R. 2954, Home Mortgage Disclosure Adjustment Act (This bill amends the Home Mortgage Disclosure Act of 1975 to exempt a depository institution from certain records and disclosure requirements related to the itemization of loan data: (1) with respect to closed-end mortgage loans, if the depository institution originated fewer than 500 such loans in each of the two preceding years; and (2) with respect to open-end lines of credit, if the depository institu
Client expense: $110,000 · Firm income: Not reported
Government targets: Consumer Financial Protection Bureau (CFPB), Education, Dept of, Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Housing & Urban Development, Dept of (HUD), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), Natl Economic Council (NEC), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), Treasury, Dept of, White House Office
2018 · second_quarter · Financial Institutions/Investments/Securities
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/S. 588, 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. 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/S. 2126, Fostering Innovation Act of 2017 H.R. 1702, Small Business Development Centers Improvement Act of 2018 H.R. 2201, Micro Offering Safe Harbor Act H.R. 2226/S. 2013, Portfolio Lending and Mortgage Access 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/S. 1893, Systemic Risk Designation Improvement Act of 2017 H.R. 3746/S. 2702, 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. 3903/S. 2347, 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/S. 2953, 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. 4790, Volcker Rule Regulatory Harmonization Act H.R. 4861, Ensuring Quality Unbiased Access to Loans (EQUAL) Act of 2018 H.R. 5051, Public Company Registration Threshold Act H.R. 5054, Small Company Disclosure Simplification Act of 2018 H.R. 5059, State Insurance Regulation Preservation Act H.R. 5105/S. 2436, Better Utilization of Investments Leading to Development (BUILD) Act of 2018 H.R. 5192/S. 2498, Protecting Children from Identity Theft Act H.R. 5266, Financial Product Safety Commission Act of 2018 H.R. 5323, Derivatives Fairness Act H.R. 5645, Standard Merger and Acquisition Reviews Through Equal Rules Act of 2018 H.R. 5749, Options Markets Stability Act H.R. 5756, To require the Securities and Exchange Commission to adjust certain resubmission thresholds for shareholder proposals H.R. 5783, Cooperate with Law Enforcement Agencies and Watch Act of 2018 H.R. 5877, Main Street Growth Act H.R. 5970, Simplifying Disclosures for Investors Act H.R. 5999, Streamlining Communications for Investors Act H.R. 6035, Streamlining Communications for Investors Act H.R. 6068, Counter Terrorism and Illicit Finance Act H.R. 6130, Helping Startups Continue to Grow Act H.R. 6139, Improving Investment Research for Small and Emerging Issuers Act S. 327, Fair Access to Investment Research Act of 2017 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. 1117, Consumer Financial Choice and Capital Markets Protection 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. 1744, Brokaw Act 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. 2499, A bill to require the Financial Industry Regulatory Authority to establish a relief fund to provide investors with the full value of unpaid arbitration awards issued against brokerage firms or brokers regulated by the Authority S. 2756, Fair Investment Opportunities for Professional Experts Act S. 2765, RBIC Advisers Relief Act of 2018 S. 3004, Small Business Audit Correction Act of 2018 S. J. Res. 57, A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Indirect Auto Lending and Compliance with the Equal Credit Opportunity Act" 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 Draft legislation directing the Securities and Exchange Commission to increase and align the smaller reporting company and nonaccelerated filer financial thresholds Draft legislation to remove the limitation on large accelerated filers qualifying as an emerging growth company Draft legislation to require the Securities and Exchange Commission to revise the definition of a qualifying portfolio company to include an emerging growth company, for purposes of the exemption from registration for venture capital fund advisers under the Investment Advisers Act of 1940 Draft legislation to amend the Investment Company Act of 1940 to increase the percentage of voting shares a diversified company may hold in a single issuer 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. 20,945-21,002, 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 regulation on Regulation Best Interest (83 Fed. Reg. 21,574-21,682, May 9, 2018) Proposed Commission interpretation regarding standard of conduct for investment advisers; request for comment on enhancing investment (83 Fed. Reg. 21,203-21,214, May 9, 2018) Proposed rule on form CRS relationship summary; amendments to form ADV; required disclosures in retail communications and restrictions on the use of certain names or titles (83 Fed. Reg. 21,416-21,575, May 9, 2018) Request for Information Regarding Bureau Civil Investigative Demands and Associated Processes (83 Fed. Reg. 3,686-3,687, January 26, 2018) Request for Information Regarding Bureau Rules and Practices for Adjudication Proceedings (83 Fed. Reg. 5,055-5,056, February 5, 2018) Request for Information Regarding Bureau Enforcement Processes (83 Fed. Reg. 5,999-6,000, February 12, 2018) Request for Information Regarding Bureau External Engagements (83 Fed. Reg. 8,247-8,249, February 26, 2018) Request for Information Regarding Bureau Public Reporting Practices of Consumer Complaint Information (83 Fed. Reg. 9,499-9,501, March 6, 2018) Request for Information Regarding Bureau Rulemaking Processes (83 Fed. Reg. 10,437-10,440, March 9, 2018) Request for Information Regarding the Bureaus Adopted Regulations and New Rulemaking Authorities (83 Fed. Reg. 12,286-12,289, March 21, 2018) Request for Information Regarding the Bureaus Inherited Regulations and Inherited Rulemaking Authorities (83 Fed. Reg. 12,881-12,883, March 26, 2018) Request for Information Regarding the Bureaus Supervision Program (83 Fed. Reg. 7,166-7,168, February 20, 2018) Federal Reserve and the Office of the Comptroller of the Currency; Joint Notice of Proposed Rulemaking: Regulatory Capital Rules: Regulatory Capital, Enhanced Supplementary Leverage Ratio Standards for U.S. Global Systemically Important Bank Holding Companies and Certain of Their Subsidiary Insured Depository Institutions; Total Loss-Absorbing Capacity Requirements for U.S. Global Systemically Important Bank Holding Companies; Federal Reserve System Docket No. R-1604 and OCC Docket ID OCC-2018-0002 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 3.0; 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; consolidated asset thresholds related to the Advanced Approaches capital framework, the net stable fund ratio rule, and the liquidity coverage ratio rule; impact of prudential regulations on lending to small businesses by depository institutions; testimony by the Vice Chairman for Supervision, Federal Reserve Board, to the House Committee on Financial Services and the Senate Committee on Banking, Housing, and Urban Affairs; blockchain and fintech
Client expense: $15,190,000 · Firm income: Not reported
Government targets: Agriculture, Dept of (USDA), Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Consumer Financial Protection Bureau (CFPB), Defense, Dept of (DOD), Education, Dept of, Energy, Dept of, Environmental Protection Agency (EPA), Equal Employment Opportunity Commission (EEOC), Executive Office of the President (EOP), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Energy Regulatory Commission (FERC), Federal Reserve System, Federal Trade Commission (FTC), General Services Administration (GSA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Economic Council (NEC), Natl Labor Relations Board (NLRB), Natl Security Council (NSC), Natl Telecommunications & Information Administration (NTIA), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), Patent & Trademark Office (PTO), Pension Benefit Guaranty Corporation (PBGC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), State, Dept of (DOS), Transportation Security Administration (TSA), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Copyright Office, U.S. Customs & Border Protection, U.S. Trade Representative (USTR), Vice President of the U.S., White House Office