Protecting Veterans Credit Act of 2018

Hospital and physician payments under Medicare and Medicaid, general. Medicare/ Medicaid Reform- (Bundling of Medicare acute and post-acute hospital payments, payments for readmissions, value-based purchasing, physician self-referral)- Implementation of the Health Care and Education Reconciliation Act of 2012 (Pub. Law 111-143). Medicare site neutral payments Federal exchange subsidies under The Affordable Care Act Medicare and Medicaid Disproportionate Share Hospital funding 2017 Medicare Outpatient Payment Rule Mission Act Accountable Care Organization (ACO) programs Repeal of Affordable Care Act Stark Law Reform HR 1017: Removing Barriers to Colorectal Cancer Screening HR 3806: The Personal Data Notification and Protection Act HR 2683: The Protecting Veterans Credit Act CMS ALOS hospital definition rule Opioids Drug Pricing Drug Shortages Surprise Billing Medicare for All Ambulatory Surgical Center Quality and Access Act ACE Kids Act CHGME ACA Stabilization Tax Reform Nurse Loan Repayment Robocalls Integrated Care - INKC

Client expense: $340,000 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), Consumer Financial Protection Bureau (CFPB), Federal Communications Commission (FCC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), SENATE, White House Office

Hospital and physician payments under Medicare and Medicaid, general. Medicare/ Medicaid Reform- (Bundling of Medicare acute and post-acute hospital payments, payments for readmissions, value-based purchasing, physician self-referral)- Implementation of the Health Care and Education Reconciliation Act of 2012 (Pub. Law 111-143). Medicare site neutral payments Federal exchange subsidies under The Affordable Care Act Medicare and Medicaid Disproportionate Share Hospital funding 2017 Medicare Outpatient Payment Rule Mission Act Accountable Care Organization (ACO) programs Repeal of Affordable Care Act Stark Law Reform HR 1017: Removing Barriers to Colorectal Cancer Screening HR 3806: The Personal Data Notification and Protection Act HR 2683: The Protecting Veterans Credit Act CMS ALOS hospital definition rule Opioids Drug Pricing Drug Shortages Surprise Billing Medicare for All Ambulatory Surgical Center Quality and Access Act ACE Kids Act CHGME ACA Stabilization Tax Reform Nurse Loan Repayment Robocalls Integrated Care - INKC

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

Government targets: Centers For Medicare and Medicaid Services (CMS), Consumer Financial Protection Bureau (CFPB), Federal Communications Commission (FCC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), SENATE, White House Office

Hospital and physician payments under Medicare and Medicaid, general. Medicare/ Medicaid Reform- (Bundling of Medicare acute and post-acute hospital payments, payments for readmissions, value-based purchasing, physician self-referral)- Implementation of the Health Care and Education Reconciliation Act of 2012 (Pub. Law 111-143). Medicare site neutral payments Federal exchange subsidies under The Affordable Care Act Medicare and Medicaid Disproportionate Share Hospital funding 2017 Medicare Outpatient Payment Rule Mission Act Accountable Care Organization (ACO) programs Repeal of Affordable Care Act Stark Law Reform HR 1017: Removing Barriers to Colorectal Cancer Screening HR 3806: The Personal Data Notification and Protection Act HR 2683: The Protecting Veterans Credit Act CMS ALOS hospital definition rule Opioids Drug Pricing Drug Shortages Surprise Billing Medicare for All Ambulatory Surgical Center Quality and Access Act ACE Kids Act CHGME ACA Stabilization Tax Reform Nurse Loan Repayment Robocalls Integrated Care - INKC

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

Government targets: Centers For Medicare and Medicaid Services (CMS), Consumer Financial Protection Bureau (CFPB), Federal Communications Commission (FCC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), SENATE, White House Office

Hospital and physician payments under Medicare and Medicaid, general. Medicare/ Medicaid Reform- (Bundling of Medicare acute and post-acute hospital payments, payments for readmissions, value-based purchasing, physician self-referral)- Implementation of the Health Care and Education Reconciliation Act of 2012 (Pub. Law 111-143). Medicare site neutral payments Federal exchange subsidies under The Affordable Care Act Medicare and Medicaid Disproportionate Share Hospital funding 2017 Medicare Outpatient Payment Rule Mission Act Accountable Care Organization (ACO) programs Repeal of Affordable Care Act Stark Law Reform HR 1017: Removing Barriers to Colorectal Cancer Screening HR 3806: The Personal Data Notification and Protection Act HR 2683: The Protecting Veterans Credit Act CMS ALOS hospital definition rule Opioids Drug Pricing Drug Shortages Surprise Billing Medicare for All Ambulatory Surgical Center Quality and Access Act ACE Kids Act CHGME ACA Stabilization Tax Reform

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

Government targets: Centers For Medicare and Medicaid Services (CMS), Consumer Financial Protection Bureau (CFPB), Federal Communications Commission (FCC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), SENATE, White House Office

Hospital and physician payments under Medicare and Medicaid, general. Medicare/ Medicaid Reform- (Bundling of Medicare acute and post-acute hospital payments, payments for readmissions, value-based purchasing, physician self-referral)- Implementation of the Health Care and Education Reconciliation Act of 2012 (Pub. Law 111-143). Medicare site neutral payments Federal exchange subsidies under The Affordable Care Act Medicare and Medicaid Disproportionate Share Hospital funding 2017 Medicare Outpatient Payment Rule Mission Act Accountable Care Organization (ACO) programs Repeal of Affordable Care Act Stark Law Reform HR 1017: Removing Barriers to Colorectal Cancer Screening HR 3806: The Personal Data Notification and Protection Act HR 2683: The Protecting Veterans Credit Act CMS ALOS hospital definition rule Opioids Drug Pricing Drug Shortages Surprise Billing Medicare for All Ambulatory Surgical Center Quality and Access Act ACE Kids Act CHGME ACA Stabilization Tax Reform

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

Government targets: Centers For Medicare and Medicaid Services (CMS), Consumer Financial Protection Bureau (CFPB), Federal Communications Commission (FCC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), SENATE, White House Office

Internet, marketing, and data protection issues Issues pertaining to facilitating access to credit Potential privacy, data security, and breach notification legislation in House of Representatives and Senate Issues related to Internal Revenue Service Credit Repair Organizations Act (Title IV of Consumer Credit Protection Act) reform Alternative data and consumer lending credit review issues H.R. 402 - Fair Access to Credit Scores Act of 2017 H.R. 435 - The Credit Access and Inclusion Act of 2017 H.R. 387 - Email Privacy Act S. 395 - Geolocational Privacy and Surveillance Act H.R. 1062 - Geolocational Privacy and Surveillance Act H.R. 1061 - Cell Location Privacy Act of 2017 S. 88 - Developing Innovation and Growing the Internet of Things Act H.R. 686 - Developing Innovation and Growing the Internet of Things Act H.R. 135 - Cyber Privacy Fortification Act of 2017 H.R. 600 - Digital GAP Act S. 278 - Support for Rapid Innovation Act H.R. 1224 - NIST Cybersecurity Framework, Assessment and Auditing Act of 2017 H.R. 1335 - Cybersecurity Responsibility Act of 2017 S. 536 - Cybersecurity Disclosure Act of 2017 H.R. 704 - Small Business and Community Investments Expansion Act of 2017 H.R. 2520 - BROWSER Act of 2017 S. 1786 - Stopping Errors in Consumer Use and Reporting [SECURE] Act H.R. 3755 - Comprehensive Consumer Credit Reporting Reform Act of 2017 H.R. 3760 - Protecting Consumers from Unreasonable Credit Rates Act of 2017 H.R. 3766 - Credit Information Protection Act of 2017 H.R. 3783 - Equal Employment for All Act of 2017 S. 1810 - Free Credit Freeze Act S. 1816 - Freedom from Equifax Exploitation Act S. 1819 - Equal Employment for All Act of 2017 S. 1858 - Empowering States Rights to Protect Consumers Act of 2017 H.R. 3878 - Free Credit Freeze Act H.R. 3806 - Personal Data Notification and Protection Act of 2017 H.R. 3816 - To require notification followin ga breach of security of a system containing personal information, and for other purposes S. 1900 - Data Breach Accountability and Enforcement Act of 2017 S. 2155 - Economic Growth, Regulatory Relief, and Consumer Protection Act H.R. 2683 - Protecting Veterans Credit Act of 2017 S. 744 - Protecting Veterans Credit Act of 2017 H.R. 2359 - FCRA Liability Harmonization Act S. 1989 - Honest Ads Act H.R. 4077 - Honest Ads Act S. 2728 - Social Media Privacy Protection and Consumer Rights Act of 2018

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

Government targets: Commerce, Dept of (DOC), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, SENATE

Internet, marketing, and data protection issues Issues pertaining to facilitating access to credit Potential privacy, data security, and breach notification legislation in House of Representatives and Senate Issues related to Internal Revenue Service Credit Repair Organizations Act (Title IV of Consumer Credit Protection Act) reform Alternative data and consumer lending credit review issues H.R. 402 - Fair Access to Credit Scores Act of 2017 H.R. 435 - The Credit Access and Inclusion Act of 2017 H.R. 387 - Email Privacy Act S. 395 - Geolocational Privacy and Surveillance Act H.R. 1062 - Geolocational Privacy and Surveillance Act H.R. 1061 - Cell Location Privacy Act of 2017 S. 88 - Developing Innovation and Growing the Internet of Things Act H.R. 686 - Developing Innovation and Growing the Internet of Things Act H.R. 135 - Cyber Privacy Fortification Act of 2017 H.R. 600 - Digital GAP Act S. 278 - Support for Rapid Innovation Act H.R. 1224 - NIST Cybersecurity Framework, Assessment and Auditing Act of 2017 H.R. 1335 - Cybersecurity Responsibility Act of 2017 S. 536 - Cybersecurity Disclosure Act of 2017 H.R. 704 - Small Business and Community Investments Expansion Act of 2017 H.R. 2520 - BROWSER Act of 2017 S. 1786 - Stopping Errors in Consumer Use and Reporting [SECURE] Act H.R. 3755 - Comprehensive Consumer Credit Reporting Reform Act of 2017 H.R. 3760 - Protecting Consumers from Unreasonable Credit Rates Act of 2017 H.R. 3766 - Credit Information Protection Act of 2017 H.R. 3783 - Equal Employment for All Act of 2017 S. 1810 - Free Credit Freeze Act S. 1816 - Freedom from Equifax Exploitation Act S. 1819 - Equal Employment for All Act of 2017 S. 1858 - Empowering States Rights to Protect Consumers Act of 2017 H.R. 3878 - Free Credit Freeze Act H.R. 3806 - Personal Data Notification and Protection Act of 2017 H.R. 3816 - To require notification followin ga breach of security of a system containing personal information, and for other purposes S. 1900 - Data Breach Accountability and Enforcement Act of 2017 S. 2155 - Economic Growth, Regulatory Relief, and Consumer Protection Act H.R. 2683 - Protecting Veterans Credit Act of 2017 S. 744 - Protecting Veterans Credit Act of 2017 H.R. 2359 - FCRA Liability Harmonization Act S. 1989 - Honest Ads Act H.R. 4077 - Honest Ads Act S. 2728 - Social Media Privacy Protection and Consumer Rights Act of 2018

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

Government targets: Commerce, Dept of (DOC), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, SENATE

Internet, marketing, and data protection issues Issues pertaining to facilitating access to credit Potential privacy, data security, and breach notification legislation in House of Representatives and Senate Issues related to Internal Revenue Service Credit Repair Organizations Act (Title IV of Consumer Credit Protection Act) reform Alternative data and consumer lending credit review issues H.R. 402 - Fair Access to Credit Scores Act of 2017 H.R. 435 - The Credit Access and Inclusion Act of 2017 H.R. 387 - Email Privacy Act S. 395 - Geolocational Privacy and Surveillance Act H.R. 1062 - Geolocational Privacy and Surveillance Act H.R. 1061 - Cell Location Privacy Act of 2017 S. 88 - Developing Innovation and Growing the Internet of Things Act H.R. 686 - Developing Innovation and Growing the Internet of Things Act H.R. 135 - Cyber Privacy Fortification Act of 2017 H.R. 600 - Digital GAP Act S. 278 - Support for Rapid Innovation Act H.R. 1224 - NIST Cybersecurity Framework, Assessment and Auditing Act of 2017 H.R. 1335 - Cybersecurity Responsibility Act of 2017 S. 536 - Cybersecurity Disclosure Act of 2017 H.R. 704 - Small Business and Community Investments Expansion Act of 2017 H.R. 2520 - BROWSER Act of 2017 S. 1786 - Stopping Errors in Consumer Use and Reporting [SECURE] Act H.R. 3755 - Comprehensive Consumer Credit Reporting Reform Act of 2017 H.R. 3760 - Protecting Consumers from Unreasonable Credit Rates Act of 2017 H.R. 3766 - Credit Information Protection Act of 2017 H.R. 3783 - Equal Employment for All Act of 2017 S. 1810 - Free Credit Freeze Act S. 1816 - Freedom from Equifax Exploitation Act S. 1819 - Equal Employment for All Act of 2017 S. 1858 - Empowering States Rights to Protect Consumers Act of 2017 H.R. 3878 - Free Credit Freeze Act H.R. 3806 - Personal Data Notification and Protection Act of 2017 H.R. 3816 - To require notification followin ga breach of security of a system containing personal information, and for other purposes S. 1900 - Data Breach Accountability and Enforcement Act of 2017 S. 2155 - Economic Growth, Regulatory Relief, and Consumer Protection Act H.R. 2683 - Protecting Veterans Credit Act of 2017 S. 744 - Protecting Veterans Credit Act of 2017 H.R. 2359 - FCRA Liability Harmonization Act S. 1989 - Honest Ads Act H.R. 4077 - Honest Ads Act S. 2728 - Social Media Privacy Protection and Consumer Rights Act of 2018

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

Government targets: Commerce, Dept of (DOC), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, SENATE

Internet, marketing, and data protection issues Issues pertaining to facilitating access to credit Potential privacy, data security, and breach notification legislation in House of Representatives and Senate Issues related to Internal Revenue Service Credit Repair Organizations Act (Title IV of Consumer Credit Protection Act) reform Alternative data and consumer lending credit review issues H.R. 402 - Fair Access to Credit Scores Act of 2017 H.R. 435 - The Credit Access and Inclusion Act of 2017 H.R. 387 - Email Privacy Act S. 395 - Geolocational Privacy and Surveillance Act H.R. 1062 - Geolocational Privacy and Surveillance Act H.R. 1061 - Cell Location Privacy Act of 2017 S. 88 - Developing Innovation and Growing the Internet of Things Act H.R. 686 - Developing Innovation and Growing the Internet of Things Act H.R. 135 - Cyber Privacy Fortification Act of 2017 H.R. 600 - Digital GAP Act S. 278 - Support for Rapid Innovation Act H.R. 1224 - NIST Cybersecurity Framework, Assessment and Auditing Act of 2017 H.R. 1335 - Cybersecurity Responsibility Act of 2017 S. 536 - Cybersecurity Disclosure Act of 2017 H.R. 704 - Small Business and Community Investments Expansion Act of 2017 H.R. 2520 - BROWSER Act of 2017 S. 1786 - Stopping Errors in Consumer Use and Reporting [SECURE] Act H.R. 3755 - Comprehensive Consumer Credit Reporting Reform Act of 2017 H.R. 3760 - Protecting Consumers from Unreasonable Credit Rates Act of 2017 H.R. 3766 - Credit Information Protection Act of 2017 H.R. 3783 - Equal Employment for All Act of 2017 S. 1810 - Free Credit Freeze Act S. 1816 - Freedom from Equifax Exploitation Act S. 1819 - Equal Employment for All Act of 2017 S. 1858 - Empowering States Rights to Protect Consumers Act of 2017 H.R. 3878 - Free Credit Freeze Act H.R. 3806 - Personal Data Notification and Protection Act of 2017 H.R. 3816 - To require notification followin ga breach of security of a system containing personal information, and for other purposes S. 1900 - Data Breach Accountability and Enforcement Act of 2017 S. 2155 - Economic Growth, Regulatory Relief, and Consumer Protection Act H.R. 2683 - Protecting Veterans Credit Act of 2017 S. 744 - Protecting Veterans Credit Act of 2017 H.R. 2359 - FCRA Liability Harmonization Act S. 1989 - Honest Ads Act H.R. 4077 - Honest Ads Act S. 2728 - Social Media Privacy Protection and Consumer Rights Act of 2018

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

Government targets: Commerce, Dept of (DOC), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, SENATE

Internet, marketing, and data protection issues Issues pertaining to facilitating access to credit Potential privacy, data security, and breach notification legislation in House of Representatives and Senate Issues related to Internal Revenue Service Credit Repair Organizations Act (Title IV of Consumer Credit Protection Act) reform Alternative data and consumer lending credit review issues H.R. 402 - Fair Access to Credit Scores Act of 2017 H.R. 435 - The Credit Access and Inclusion Act of 2017 H.R. 387 - Email Privacy Act S. 395 - Geolocational Privacy and Surveillance Act H.R. 1062 - Geolocational Privacy and Surveillance Act H.R. 1061 - Cell Location Privacy Act of 2017 S. 88 - Developing Innovation and Growing the Internet of Things Act H.R. 686 - Developing Innovation and Growing the Internet of Things Act H.R. 135 - Cyber Privacy Fortification Act of 2017 H.R. 600 - Digital GAP Act S. 278 - Support for Rapid Innovation Act H.R. 1224 - NIST Cybersecurity Framework, Assessment and Auditing Act of 2017 H.R. 1335 - Cybersecurity Responsibility Act of 2017 S. 536 - Cybersecurity Disclosure Act of 2017 H.R. 704 - Small Business and Community Investments Expansion Act of 2017 H.R. 2520 - BROWSER Act of 2017 S. 1786 - Stopping Errors in Consumer Use and Reporting [SECURE] Act H.R. 3755 - Comprehensive Consumer Credit Reporting Reform Act of 2017 H.R. 3760 - Protecting Consumers from Unreasonable Credit Rates Act of 2017 H.R. 3766 - Credit Information Protection Act of 2017 H.R. 3783 - Equal Employment for All Act of 2017 S. 1810 - Free Credit Freeze Act S. 1816 - Freedom from Equifax Exploitation Act S. 1819 - Equal Employment for All Act of 2017 S. 1858 - Empowering States Rights to Protect Consumers Act of 2017 H.R. 3878 - Free Credit Freeze Act H.R. 3806 - Personal Data Notification and Protection Act of 2017 H.R. 3816 - To require notification following a breach of security of a system containing personal information, and for other purposes S. 1900 - Data Breach Accountability and Enforcement Act of 2017 S. 2155 - Economic Growth, Regulatory Relief, and Consumer Protection Act H.R. 2683 - Protecting Veterans Credit Act of 2017 S. 744 - Protecting Veterans Credit Act of 2017 H.R. 2359 - FCRA Liability Harmonization Act S. 1989 - Honest Ads Act H.R. 4077 - Honest Ads Act S. 2728 - Social Media Privacy Protection and Consumer Rights Act of 2018

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

Government targets: Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, SENATE

Internet, marketing, and data protection issues Issues pertaining to facilitating access to credit Potential privacy, data security, and breach notification legislation in House of Representatives and Senate Issues related to Internal Revenue Service Credit Repair Organizations Act (Title IV of Consumer Credit Protection Act) reform Alternative data and consumer lending credit review issues H.R. 402 - Fair Access to Credit Scores Act of 2017 H.R. 435 - The Credit Access and Inclusion Act of 2017 H.R. 387 - Email Privacy Act S. 395 - Geolocational Privacy and Surveillance Act H.R. 1062 - Geolocational Privacy and Surveillance Act H.R. 1061 - Cell Location Privacy Act of 2017 S. 88 - Developing Innovation and Growing the Internet of Things Act H.R. 686 - Developing Innovation and Growing the Internet of Things Act H.R. 135 - Cyber Privacy Fortification Act of 2017 H.R. 600 - Digital GAP Act S. 278 - Support for Rapid Innovation Act H.R. 1224 - NIST Cybersecurity Framework, Assessment and Auditing Act of 2017 H.R. 1335 - Cybersecurity Responsibility Act of 2017 S. 536 - Cybersecurity Disclosure Act of 2017 H.R. 704 - Small Business and Community Investments Expansion Act of 2017 H.R. 2520 - BROWSER Act of 2017 S. 1786 - Stopping Errors in Consumer Use and Reporting [SECURE] Act H.R. 3755 - Comprehensive Consumer Credit Reporting Reform Act of 2017 H.R. 3760 - Protecting Consumers from Unreasonable Credit Rates Act of 2017 H.R. 3766 - Credit Information Protection Act of 2017 H.R. 3783 - Equal Employment for All Act of 2017 S. 1810 - Free Credit Freeze Act S. 1816 - Freedom from Equifax Exploitation Act S. 1819 - Equal Employment for All Act of 2017 S. 1858 - Empowering States Rights to Protect Consumers Act of 2017 H.R. 3878 - Free Credit Freeze Act H.R. 3806 - Personal Data Notification and Protection Act of 2017 H.R. 3816 - To require notification following a breach of security of a system containing personal information, and for other purposes S. 1900 - Data Breach Accountability and Enforcement Act of 2017 S. 2155 - Economic Growth, Regulatory Relief, and Consumer Protection Act H.R. 2683 - Protecting Veterans Credit Act of 2017 S. 744 - Protecting Veterans Credit Act of 2017 H.R. 2359 - FCRA Liability Harmonization Act S. 1989 - Honest Ads Act H.R. 4077 - Honest Ads Act S. 2728 - Social Media Privacy Protection and Consumer Rights Act of 2018

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

Government targets: Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, SENATE

Internet, marketing, and data protection issues Issues pertaining to facilitating access to credit Potential privacy, data security, and breach notification legislation in House of Representatives and Senate Credit Repair Organizations Act (Title IV of Consumer Credit Protection Act) reform Alternative data and consumer lending credit review issues H.R. 402 - Fair Access to Credit Scores Act of 2017 H.R. 435 - The Credit Access and Inclusion Act of 2017 H.R. 387 - Email Privacy Act S. 395 - Geolocational Privacy and Surveillance Act H.R. 1062 - Geolocational Privacy and Surveillance Act H.R. 1061 - Cell Location Privacy Act of 2017 S. 88 - Developing Innovation and Growing the Internet of Things Act H.R. 686 - Developing Innovation and Growing the Internet of Things Act H.R. 135 - Cyber Privacy Fortification Act of 2017 H.R. 600 - Digital GAP Act S. 278 - Support for Rapid Innovation Act H.R. 1224 - NIST Cybersecurity Framework, Assessment and Auditing Act of 2017 H.R. 1335 - Cybersecurity Responsibility Act of 2017 S. 536 - Cybersecurity Disclosure Act of 2017 H.R. 704 - Small Business and Community Investments Expansion Act of 2017 H.R. 2520 - BROWSER Act of 2017 S. 1786 - Stopping Errors in Consumer Use and Reporting [SECURE] Act H.R. 3755 - Comprehensive Consumer Credit Reporting Reform Act of 2017 H.R. 3760 - Protecting Consumers from Unreasonable Credit Rates Act of 2017 H.R. 3766 - Credit Information Protection Act of 2017 H.R. 3783 - Equal Employment for All Act of 2017 S. 1810 - Free Credit Freeze Act S. 1816 - Freedom from Equifax Exploitation Act S. 1819 - Equal Employment for All Act of 2017 S. 1858 - Empowering States Rights to Protect Consumers Act of 2017 H.R. 3878 - Free Credit Freeze Act H.R. 3806 - Personal Data Notification and Protection Act of 2017 H.R. 3816 S. 1900 - Data Breach Accountability and Enforcement Act of 2017 S. 2155 - Economic Growth, Regulatory Relief, and Consumer Protection Act H.R. 2683 - Protecting Veterans Credit Act of 2017 S. 744 - Protecting Veterans Credit Act of 2017 H.R. 2359 - FCRA Liability Harmonization Act

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

Government targets: Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, SENATE

Internet, marketing, and data protection issues Issues pertaining to facilitating access to credit Potential privacy, data security, and breach notification legislation in House of Representatives and Senate Credit Repair Organizations Act (Title IV of Consumer Credit Protection Act) reform Alternative data and consumer lending credit review issues H.R. 402 - Fair Access to Credit Scores Act of 2017 H.R. 435 - The Credit Access and Inclusion Act of 2017 H.R. 387 - Email Privacy Act S. 395 - Geolocational Privacy and Surveillance Act H.R. 1062 - Geolocational Privacy and Surveillance Act H.R. 1061 - Cell Location Privacy Act of 2017 S. 88 - Developing Innovation and Growing the Internet of Things Act H.R. 686 - Developing Innovation and Growing the Internet of Things Act H.R. 135 - Cyber Privacy Fortification Act of 2017 H.R. 600 - Digital GAP Act S. 278 - Support for Rapid Innovation Act H.R. 1224 - NIST Cybersecurity Framework, Assessment and Auditing Act of 2017 H.R. 1335 - Cybersecurity Responsibility Act of 2017 S. 536 - Cybersecurity Disclosure Act of 2017 H.R. 704 - Small Business and Community Investments Expansion Act of 2017 H.R. 2520 - BROWSER Act of 2017 S. 1786 - Stopping Errors in Consumer Use and Reporting [SECURE] Act H.R. 3755 - Comprehensive Consumer Credit Reporting Reform Act of 2017 H.R. 3760 - Protecting Consumers from Unreasonable Credit Rates Act of 2017 H.R. 3766 - Credit Information Protection Act of 2017 H.R. 3783 - Equal Employment for All Act of 2017 S. 1810 - Free Credit Freeze Act S. 1816 - Freedom from Equifax Exploitation Act S. 1819 - Equal Employment for All Act of 2017 S. 1858 - Empowering States Rights to Protect Consumers Act of 2017 H.R. 3878 - Free Credit Freeze Act H.R. 3806 - Personal Data Notification and Protection Act of 2017 H.R. 3816 S. 1900 - Data Breach Accountability and Enforcement Act of 2017 S. 2155 - Economic Growth, Regulatory Relief, and Consumer Protection Act H.R. 2683 - Protecting Veterans Credit Act of 2017 S. 744 - Protecting Veterans Credit Act of 2017 H.R. 2359 - FCRA Liability Harmonization Act

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

Government targets: Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, SENATE

Hospital and physician payments under Medicare and Medicaid, general. Medicare/ Medicaid Reform- (Bundling of Medicare acute and post-acute hospital payments, payments for readmissions, value-based purchasing, physician self-referral)- Implementation of the Health Care and Education Reconciliation Act of 2012 (Pub. Law 111-143). Medicare site neutral payments Federal exchange subsidies under The Affordable Care Act Medicare and Medicaid Disproportionate Share Hospital funding 2017 Medicare Outpatient Payment Rule American Health Care Act of 2017 (H.R. 1628) Better Care Reconciliation Act Repeal of Affordable Care Act Stark law reform HR 1017: Removing Barriers to Colorectal Cancer Screening HR 3806: The Personal Data Notification and Protection Act HR 2683: The Protecting Veterans Credit Act CMS ALOS hospital definition rule Opioids Drug Pricing Drug Shortages Site neutral payments S.3592 - No More Surprise Medical Bills Act of 2018 HR 676: The Expanded and Improved Medicare For All Act

Client expense: $360,000 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), Consumer Financial Protection Bureau (CFPB), Federal Communications Commission (FCC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), SENATE, White House Office

Hospital and physician payments under Medicare and Medicaid, general. Medicare/ Medicaid Reform- (Bundling of Medicare acute and post-acute hospital payments, payments for readmissions, value-based purchasing, physician self-referral)- Implementation of the Health Care and Education Reconciliation Act of 2012 (Pub. Law 111-143). Medicare site neutral payments Federal exchange subsidies under The Affordable Care Act Medicare and Medicaid Disproportionate Share Hospital funding 2017 Medicare Outpatient Payment Rule American Health Care Act of 2017 (H.R. 1628) Mission Act Accountable Care Organization (ACO) programs American Health Care Act Better Care Reconciliation Act Repeal of Affordable Care Act Stark Law Reform HR 1017: Removing Barriers to Colorectal Cancer Screening HR 3806: The Personal Data Notification and Protection Act HR 2683: The Protecting Veterans Credit Act CMS ALOS hospital definition rule Opioids Drug Pricing Drug Shortages Site neutral payments S.3592 - No More Surprise Medical Bills Act of 2018 HR 676: The Expanded and Improved Medicare For All Act

Client expense: $360,000 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), Consumer Financial Protection Bureau (CFPB), Federal Communications Commission (FCC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), SENATE, White House Office

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

HR 4571, FAIR Heroes Act, Waive Medicare late enrollment penalties for disabled veterans eligible for TRICARE-Entire Bill; HR 1683, National Purple Heart Hall of Honor Commemorative Coin Act, Authorizes the minting of a commemorative coin for the National Purple Heart Hall of Honor - Entire Bill; HR 2198, Veterans Crisis Line Improvemement Act, Directs the Secretary to ensure all calls are answered timely - Entire Bill; HR 2222, HOMES Act, Incentivize grantees for to rehouse homeless veterans - Entire Bill; HR 2225, Veterans Dog Training Therapy Act, Teach veterans to train service dogs - Entire Bill; HR 2631, Justice for Servicemembers Act, Eliminates forced arbitration in USERRA claims - Entire Bill; HR 2850, Military Patron Protection Act, Include stakeholder engagement in military commissary reform - Entire Bill; HR 299, To amend title 38, United States Code, to clarify presumptions relating to the exposure of certain veterans who served in the vicinity of the Republic of Vietnam, and for other purposes., Extends Agent Orange benefits to Blue Water Navy veterans - Entire Bill; HR 303, To amend title 10, United States Code, to permit additional retired members of the Armed Forces who have a service-connected disability to receive both disability compensation from the Department of Veterans Affairs for their disability and either retired pay by reason of their years of military service or combat-related special compensation., Authorizes concurrent receipt of VA disability benefits and DOD retired pay - Entire Bill; HR 333, Disabled Veterans Tax Termination Act, Authorizes concurrent receipt of VA disability benefits and DOD retired pay - Entire Bill; HR 506, Preventing Crimes Against Veterans Act, Increases penalty for those who engage in schemes to defraud veterans of federal benefits; HR 544, Private Corrado Piccoli Purple Heart Preservation Act, Prohibits the sale of military-issued Purple Heart medals - Entire Bill; HR 846, To amend title 10, United States Code, to repeal the requirement for reduction of survivor annuities under the Survivor Benefit Plan for military surviving spouses to offset the receipt of veterans dependency and indemnity compensation, and for other purposes., Eliminates the Survivor Benfit Plan/Dependency and Indemnity Compensation offset for veterans' widows and survivors - Entire Bill; HR 907, Newborn Care Improvement Act, Increases the amount of time VA may provide maternity care to women veterans - Entire Bill; HR 92, CHAMPVA Children's Protection Act of 2017, Allows veterans' children to remain on CHAMPVA until age 26 - Entire Bill; HR 4345, Veterans Treatment Court Coordination Act, Gives grants to states with veterans treatment courts - Entire Bill; HR 1384, Reserve Component Benefits Parity Act, Gives full active duty benefits to Guard and Reserves deployed under 12304a and 12304b orders - Entire Bill; HR 2683, Protecting Veterans Credit Act, Require credit rating agencies to strike debts from veterans credit reports if they were incurred from care authorized by the Dept. of Veterans Affairs - Entire Bill; HR 3642, Military SAVE Act, Pilot program to allow victims of military sexual trauma to elect to receive private health care - Entire Bill; HR 4016, Restore Veterans Compensation Act, Eliminate the recoupment of separation pay from veterans who are subsequently awarded disability compensation - Entire Bill; HR 4099, To amend title 38, USC, to ensure that children of homeless veterans are included in the calculation of the amounts of certain per diem grants, Ensure children of homeless veterans are included when calculating per diem grants - Entire Bill; HR 4328, Honoring World War I Memorials Act, Gives grants to repair World War I Memorials - Entire Bill; HR 4369, Protecting Benefits for Disabled Veterans Act, Codifies the veterans individual unemployability benefit - Entire Bill; HR 4345, Veteran Treatment Court Coordination Act, Establish grants and training for veterans treatment courts; HR 4508, PROSPER Act, Oppose provisions that would roll back consumer protections for student veterans and servicemembers; HR 5199, The Education Savings Accounts for Military Families Act, Oppose diversion of funding from Impact Aid in order to provide a voucher for military families living in selected school districts; HR 6734, Full Military Honors Act, Provide full military honors to all Medal of Honor recipients and former POWs, regardless of rank - Entire bill; S 765 , Private Corrado Piccoli Purple Heart Preservation Act, Prohibits the sale of military-issued Purple Heart medals - Entire Bill; HR 5747, SOF Tax Cut Act, Extend the Combat Zone Tax Exclusion to servicemembers who are deployed on counter terrorism missions - Entire bill; HR 6161, To amend title 38, United States Code, to waive fees for Purple Heart recipients serving on active duty for loans guaranteed under the home loan program of Department of Veterans Affairs, Waive VA Home Loan funding fee for active duty Purple Heart recipients-Entire bill; Letter to Committee Chairmen, , Investigate fraudulent websites posing as military websites; Letter to Agency Heads, , Fully fund the MISSION Act; HR 27 , Ensuring VA Employee Accountability Act, Retain a copy of all reprimands of VA employees; S 1550, Department of Veterans Affairs Quality Employment Act, Improves VA authority to hire and retain Doctors; S 339, Military Widow's Tax Elimination Act of 2017, Eliminates the Survivor Benfit Plan/Dependency and Indemnity Compensation offset for veterans' widows and survivors - Entire Bill; S 369, Boosting Rates of American Veteran Employment Act, Gives preference to federal contractors who employ veterans - Entire Bill; S 422, Blue Water Navy Vietnam Veterans Act of 2017, Extends Agent Orange benefits to Blue Water Navy veterans - Entire Bill; S 423, CHAMPVA Children's Care Protection Act of 2017, Allows veterans' children to remain on CHAMPVA until age 26 - Entire Bill; S 514, No Hero Left Untreated Act, Provide veterans with magnetic EEG therapy - Entire Bill; S 646, Justice for Servicemembers Act, Eliminates forced arbitration in USERRA claims - Entir Bill; S 66, Retired Pay Restoration Act, Authorizes concurrent receipt of VA disability benefits and DOD retired pay - Entire Bill; S 667, Reserve Component Benefits Parity Act, Gives full active duty benefits to Guard and Reserves deployed under 12304a and 12304b orders - Entire Bill; S 1990, Dependency and Indemnity Compensation Improvemement Act, Improves compensation to veterans survivors-Entire Bill; S 2117, FAIR Heroes Act, Waive Medicare late enrollment penalties for disabled veterans eligible for TRICARE-Entire Bill; S 2386, Veterans' Second Amendment Rights Restoration Act, Prevents veterans assigned a fiduciary from being placed on the do not sell list-Entire Bill; S 2379, Military Spouse Employment Act , Provide child care for working military spouses-Entire Bill; S 3334, Military Lending Improvement Act, Improves consumer financial protections for servicemembers - Entire bill; S 3298, Vietnam Veterans Memorial Visitor Center Extension Act, Allow Vietnam Veterans Memorial Fund to continue collecting donations for an additional four years - Entire bill; S 1461, The HEARTS Act, Waive Medicare late enrollment penalties for disabled veterans eligible for TRICARE-Entire bill; S 3620, ChiropracticHealthParityfor Military Beneficiaries Act, Allow TRICARE to cover chiropractic care for military retirees - Entire bill; Letter to Commissioners, , Purple Heart recipients must remain eligible for burial at Arlington National Cemetery; VA National eligibility standards for the veterans caregiver program; Fraudulent websites posing as military websites.

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

Government targets: Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Natl Park Service (NPS), Office of Management & Budget (OMB), SENATE, Veterans Affairs, Dept of (VA)

Internet, marketing, and data protection issues Issues pertaining to facilitating access to credit Potential privacy, data security, and breach notification legislation in House of Representatives and Senate Issues related to Internal Revenue Service Credit Repair Organizations Act (Title IV of Consumer Credit Protection Act) reform Alternative data and consumer lending credit review issues H.R. 402 - Fair Access to Credit Scores Act of 2017 H.R. 435 - The Credit Access and Inclusion Act of 2017 H.R. 387 - Email Privacy Act S. 395 - Geolocational Privacy and Surveillance Act H.R. 1062 - Geolocational Privacy and Surveillance Act H.R. 1061 - Cell Location Privacy Act of 2017 S. 88 - Developing Innovation and Growing the Internet of Things Act H.R. 686 - Developing Innovation and Growing the Internet of Things Act H.R. 135 - Cyber Privacy Fortification Act of 2017 H.R. 600 - Digital GAP Act S. 278 - Support for Rapid Innovation Act H.R. 1224 - NIST Cybersecurity Framework, Assessment and Auditing Act of 2017 H.R. 1335 - Cybersecurity Responsibility Act of 2017 S. 536 - Cybersecurity Disclosure Act of 2017 H.R. 704 - Small Business and Community Investments Expansion Act of 2017 H.R. 2520 - BROWSER Act of 2017 S. 1786 - Stopping Errors in Consumer Use and Reporting [SECURE] Act H.R. 3755 - Comprehensive Consumer Credit Reporting Reform Act of 2017 H.R. 3760 - Protecting Consumers from Unreasonable Credit Rates Act of 2017 H.R. 3766 - Credit Information Protection Act of 2017 H.R. 3783 - Equal Employment for All Act of 2017 S. 1810 - Free Credit Freeze Act S. 1816 - Freedom from Equifax Exploitation Act S. 1819 - Equal Employment for All Act of 2017 S. 1858 - Empowering States Rights to Protect Consumers Act of 2017 H.R. 3878 - Free Credit Freeze Act H.R. 3806 - Personal Data Notification and Protection Act of 2017 H.R. 3816 - To require notification followin ga breach of security of a system containing personal information, and for other purposes S. 1900 - Data Breach Accountability and Enforcement Act of 2017 S. 2155 - Economic Growth, Regulatory Relief, and Consumer Protection Act H.R. 2683 - Protecting Veterans Credit Act of 2017 S. 744 - Protecting Veterans Credit Act of 2017 H.R. 2359 - FCRA Liability Harmonization Act S. 1989 - Honest Ads Act H.R. 4077 - Honest Ads Act S. 2728 - Social Media Privacy Protection and Consumer Rights Act of 2018

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

Government targets: Commerce, Dept of (DOC), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, SENATE

Hospital and physician payments under Medicare and Medicaid, general. Medicare/ Medicaid Reform- (Bundling of Medicare acute and post-acute hospital payments, payments for readmissions, value-based purchasing, physician self-referral)- Implementation of the Health Care and Education Reconciliation Act of 2012 (Pub. Law 111-143). Medicare site neutral payments Federal exchange subsidies under The Affordable Care Act Medicare and Medicaid Disproportionate Share Hospital funding 2017 Medicare Outpatient Payment Rule American Health Care Act of 2017 (H.R. 1628) Mission Act Accountable Care Organization (ACO) programs American Health Care Act Better Care Reconciliation Act Repeal of Affordable Care Act Stark Law Reform HR 1017: Removing Barriers to Colorectal Cancer Screening HR 3806: The Personal Data Notification and Protection Act HR 2683: The Protecting Veterans Credit Act CMS ALOS hospital definition rule Opioids Drug Pricing Drug Shortages Site neutral payments S.3592 - No More Surprise Medical Bills Act of 2018 HR 676: The Expanded and Improved Medicare For All Act

Client expense: $360,000 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), Consumer Financial Protection Bureau (CFPB), Federal Communications Commission (FCC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), SENATE, White House Office

Hospital and physician payments under Medicare and Medicaid, general. Medicare/ Medicaid Reform- (Bundling of Medicare acute and post-acute hospital payments, payments for readmissions, value-based purchasing, physician self-referral)- Implementation of the Health Care and Education Reconciliation Act of 2012 (Pub. Law 111-143). Medicare site neutral payments Federal exchange subsidies under The Affordable Care Act Medicare and Medicaid Disproportionate Share Hospital funding 2017 Medicare Outpatient Payment Rule American Health Care Act of 2017 (H.R. 1628) Better Care Reconciliation Act Repeal of Affordable Care Act Stark law reform HR 1017: Removing Barriers to Colorectal Cancer Screening HR 3806: The Personal Data Notification and Protection Act HR 2683: The Protecting Veterans Credit Act CMS ALOS hospital definition rule Opioids Drug Pricing Drug Shortages Site neutral payments S.3592 - No More Surprise Medical Bills Act of 2018 HR 676: The Expanded and Improved Medicare For All Act

Client expense: $360,000 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), Consumer Financial Protection Bureau (CFPB), Federal Communications Commission (FCC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), SENATE, White House Office

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

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

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

H.R. 91, the Building Supportive Networks for Women Veterans Act H.R. 93 H.R. 95, the Veterans Access to Child Care Act H.R. 105, the Protect Veterans from Financial Fraud Act of 2017 H.R. 282, the Military Residency Choice Act H.R. 299, the Blue Water Navy Vietnam Veterans Act of 2017 H.R. 369 H.R. 457 H.R. 467, the VA Scheduling Accountability Act of 2017 H.R. 501, the VA Transparency Enhancement Act of 2017 H.R. 611/ S. 152, the VA Accountability First and Appeals Modernization Act H.R. 907, the Newborn Improvement Act H.R. 918, the Veterans Urgent Access to Mental Health Care Act H.R. 927 H.R. 1005 H.R. 1058, VA Provider Equity Act H.R. 1063, the Veteran Prescription Continuity Act H.R. 1066, the VA Management Alignment Act of 2017 H.R. 1133, the Veterans Transplant Coverage Act of 2017 H.R. 1162, the No Hero Left Untreated Act H.R. 1206, the Reducing Barriers for Veterans Education Act H.R. 1259/ S. 493, the VA Accountability First Act H.R. 1328, the American Heroes COLA Act of 2017 H.R. 1329 H.R. 1390 H.R. 1472, the Military and Veteran Caregiver Services Improvement Act of 2017 H.R. 1506, the VA Health Care Provider Education Debt Relief Act of 2017 H.R. 1545, the VA Prescription Data Accountability Act of 2017 H.R. 1564 H.R. 1662 H.R. 1690, the Department of Veterans Affairs Bonus Transparency Act H.R. 1712, the Protection and Advocacy for Veterans Act H.R. 1721 H.R. 1725, the Quicker Veterans Benefits Delivery Act of 2017 H.R. 1802, the Military and Veteran Caregiver Services Improvement Act of 2017 H.R. 1848, the Veterans Affairs Medical Scribe Pilot Act of 2017 H.R. 1900, the National Veterans Memorial and Museum Act H.R. 1943, the Restoring Maximum Mobility to Our Nations Veterans Act of 2017 H.R. 1972, the VA Billing Accountability Act H.R. 2123, the Veterans E-Health and Telemedicine Support (VETS) Act of 2017 H.R. 2147/ S. 946, the Veterans Treatment Court Improvement Act of 2017 H.R. 2225, the Veterans Dog Training Therapy Act H.R. 2322, Injured and Amputee Veterans Bill of Rights H.R. 2327, the Puppies Assisting Wounded Servicemembers (PAWS) Act of 2017 H.R. 2409 H.R. 2601, the Veterans Increased Choice for Transplanted Organs and Recovery (VICTOR) Act of 2017 H.R. 2631, the Justice for Service Members Act of 2017 H.R. 2683, the Protecting Veterans Credit Act H.R. 2772, the SEA Act H.R. 2787, the VET MD Act H.R. 3023 H.R. 3122, the Veterans Care Financial Protection Act of 2017 H.R. 3197, the PUPPERS Act of 2017 H.R. 3642, the Military Sexual Assault Victims Empowerment (SAVE) Act H.R. 3656 H.R. 3657 H.R. 3696, the Wounded Warrior Workforce Enhancement Act H.R. 3705, the Veterans Fair Debt Notice Act of 2017 H.R. 3832, the Veterans Opioid Abuse Prevention Act H.R. 3940, the Veterans Education Disabled Assistance Act H.R. 4099 H.R. 4242, the VA Care in the Community Act H.R. 4243 H.R. 4334, the Improving Oversight of Women Veterans' Care Act of 2017 H.R. 4369, the, Protecting Benefits for Disabled Veterans of America H.R. 4451, the Homeless Veterans Reintegration Programs Reauthorization Act of 2017 H.R. 4635, the Peer-2-Peer Act H.R. 4830, the SIT-REP Act H.R. 4835, the Job TOOLS for Veterans Act H.R. 5044, the Service-Disabled Veterans Small Business Continuation Act H.R. 5177, the Encouraging Veterans Employment Act H.R. 5413, the Improving Veterans Access to Congressional Services Act of 2018 H.R. 5418, the Veterans Affairs Medical-Surgical Purchasing Stabilization Act H.R. 5467, the Purple Heart and Disabled Veterans Equal Access Act of 2018 H.R. 5452, the Reduce Unemployment for Veterans of All Ages Act of 2018 H.R. 5520, the VA Medicinal Cannabis Research Act of 2018 H.R. 5521, the VA Hiring Enhancement Act H.R. 5538 H.R. 5644, the VET OPP Act H.R. 5649, the Navy SEAL Chief Petty Officer William Bill Mulder (Ret.) Transition Improvement Act of 2018 H.R. 5671/S. 3181, the Burn Pits Accountability Act H.R. 5674, the VA MISSION Act of 2018 H.R. 5693, the Long-Term Care Veterans Choice Act H.R. 5864, the VA Hospitals Establishing Leadership Performance Act H.R. 5938, the Veterans Serving Veterans Act of 2018 H.R. 5974, the VA COST SAVINGS Enhancements Act H.R. 6066 H.R. 6419, the Justice for ALS Veterans Act of 2018 H.R. 6734, the Full Military Honors Act of 2018 H.R. 6869, the Violence Against Women Veterans Act H.R. 6993 H.R. 7138, the Accelerating Veterans Recovery Outdoors Act The Veteran Coordinated Access & Rewarding Experiences (CARE) Act House Draft Bill, the VA Energy Procurement and Environmental Assets House Draft Bill Regarding State Homes and Other Purposes House Draft Legislation Regarding the Veterans Crisis Line House Draft Bill Regarding Caregiver Expansion House Draft Bill Regarding HUD/VASH eligibility to include veterans with other than honorable discharges. House Draft Bill Regarding Access to Same Day Mental Health Services House Draft Bill, the Wounded Warrior Assistance Act House Draft Bill on improving access to housing adaptations through VA for veterans with ALS. The Honoring Yesterdays Heroes Act S. 75 the Arla Harrell Act S. 86 S. 111, the Filipino Veterans Promise Act S. 115, the Veterans Transplant Coverage Act S. 116 S. 152 S. 410, the Shawna Hill Post-9/11 Education Transferability Act S. 426, the Grow Our Own Directive: Physician Assistance Employment and Education Act of 2017 S. 473 S. 514, the No Hero Left Untreated Act S. 591, the Military and Veteran Caregiver Services Improvement Act of 2017 S. 681, the Deborah Sampson Act S. 683, the Keeping Our Commitment to Disabled Veterans Act of 2017 S. 712 S. 758, the Janey Ensminger Act of 2017 S. 764, the Veterans Education Priority Enrollment Act of 2017 S. 784, the Veterans Compensation Cost-of-Living Adjustment Act of 2017 S. 798, the Yellow Ribbon Improvement Act S. 833, the Servicemembers and Veterans Empowerment and Support Act of 2017 S. 882 S. 899, the Department of Veterans Affairs Veteran Transition Improvement Act S. 1024, the Veterans Appeals Improvement and Modernization Act of 2017 S. 1094, the Department of Veterans Affairs Accountability and Whistleblower Protection Act of 2017 S. 1111, the Violence Against Women Veterans Act S. 1153, the Veterans Acquiring Community Care Expect Safe Services Act of 2017 S. 1209 S. 1261, the Veterans Emergency Room Relief Act of 2017 S. 1266, the Enhancing Veteran Care Act S. 1279, the Veterans Health Administration Reform Act S. 1325, the Better Workforce for Veterans Act of 2017 S. 1550, the Department of Veterans Affairs Quality Employment Act of 2017 S. 1596, the BRAVE Act of 2017 S. 1952, the VA Financial Accountability Act of 2017 S. 1990, the Dependency and Indemnity Compensation Improvement Act of 2017 S. 2107, the VA Provider Accountability Act S. 2131, the VA Newborn Emergency Treatment Act S. 2193, the Caring for our Veterans Act of 2017 S. 2210, the Veteran PEER Act S. 2372, the VA MISSION Act of 2018 S. 2402 S. 2485, the Medal of Honor Surviving Spouses Recognition Act of 2018 S. 2679, the Veterans Small Business Enhancement Act of 2018 S. 2748, the BATTLE for Servicemembers Act S. 3184 S. 3269, the Department of Veterans Affairs Tribal Advisory Committee Act of 2018 S. 3302, the VA Hiring Enhancement Act S. 3313, the Veterans Dental Care Eligibility Expansion and Enhancement Act of 2018 S. 3355, the Agent Orange Exposure Fairness Act of 2018 S. 3507 S. 3528, the Care for Veterans Act of 2018 S. 3529, the VET PFAS Act S. 3620, the Chiropractic Health Parity for Military Beneficiaries Act S. 3683, the Department of Veterans Affairs Website Accessibility Act of 2018 Senate Draft, to provide child care assistance to veterans receiving certain training or vocational rehabilitation, and for other purposes. Senate Draft Bill, the PUPPERS Act of 2017 Senate protection and advocacy system draft legislation Senate Draft Bill, to require the Secretary of Veterans Affairs to establish a program to award grants to persons to provide and coordinate the provision of suicide prevention services for veterans transitioning from service in the Armed Forces who are at risk of suicide and for their families, and for other purposes. Senate Draft Bill, the Modernization of Medical Records Access for Veterans Act Senate Draft Bill on improving the Transition Assistance Program The Veterans Choice Act The Improving Veterans Access to Community Care Act Implementation of P.L. 113-146, the Veterans Access, Choice, and Accountability Act Implementation of P.L. 115-55, the Veterans Appeals Improvement and Modernization Act of 2017 Implementation of P.L. 115-48, the Harry W. Colmery Veterans Educational Assistance Act of 2017

Client expense: $65,208 · Firm income: Not reported

Government targets: AMTRAK - Natl Railroad Passenger Corporation, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Institute of Mental Health (NIMH), SENATE, Transportation, Dept of (DOT), Veterans Affairs, Dept of (VA)

Legislative and regulatory issues pertaining to credit reporting and scoring, including S. 2155, S. 744, S. 3040, H.R. 2683, H.R. 435, H.R. 2359, H.R. 5078, S. 488, H.R. 3280, H.R. 6147, H.R. 6258, and S. 3107. Legislative issues related to financial literacy tools and the Credit Repair Organizations Act, including H.R. 6192.

Client expense: $360,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Consumer Financial Protection Bureau (CFPB), Federal Housing Finance Agency (FHFA), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), SENATE

Issues related to Credit Reporting and Credit Monitoring generally HR 2683, Protecting Veterans Credit Act

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S. 2362 - Control Your Personal Credit Information Act of 2018 - Issues as they relate to consumer information. S. 2289 - Data Breach Prevention and Compensation Act of 2018 - Issues as they relate to consumer information. H.R. 2683/S.744 - Protecting Veterans Credit Act - Issues as they relate to consumer information. S. 1519 - National Defense Authorization Act - Issues as they relate to financial services provisions. S. 3107 - Financial Services and General Government Appropriations Act, 2019 - Issues as they relate to financial services and consumer reporting issues. H.R. 6258 - Financial Services and General Government Appropriations Act, 2019 Issues as they relate to financial services and consumer reporting issues. H.R. 3860 - IRS Data Verification Modernization Act - Issues as they relate to IRS' Income Verification Systems. S.488 - Jobs and Investor Confidence Act 2018 - Issues as they relate to consumer reporting. Data Security Issues Consumer Reporting Issues

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

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

Hospital and physician payments under Medicare and Medicaid, general. Medicare/ Medicaid Reform- (Bundling of Medicare acute and post-acute hospital payments, payments for readmissions, value-based purchasing, physician self-referral)- Implementation of the Health Care and Education Reconciliation Act of 2012 (Pub. Law 111-143). Medicare site neutral payments Federal exchange subsidies under The Affordable Care Act Medicare and Medicaid Disproportionate Share Hospital funding 2017 Medicare Outpatient Payment Rule American Health Care Act of 2017 (H.R. 1628) Better Care Reconciliation Act Repeal of Affordable Care Act Stark law reform HR 1838: ASC Quality and Access Act HR 1017: Removing Barriers to Colorectal Cancer Screening CHGME Reauthorization and Appropriations HR 3806: The Personal Data Notification and Protection Act HR 2683: The Protecting Veterans Credit Act CMS ALOS hospital definition rule Opioids Drug Pricing Drug Shortages Site neutral payments S.3592 - No More Surprise Medical Bills Act of 2018

Client expense: $370,000 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), Consumer Financial Protection Bureau (CFPB), Federal Communications Commission (FCC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), SENATE, White House Office

Hospital and physician payments under Medicare and Medicaid, general. Medicare/ Medicaid Reform- (Bundling of Medicare acute and post-acute hospital payments, payments for readmissions, value-based purchasing, physician self-referral)- Implementation of the Health Care and Education Reconciliation Act of 2012 (Pub. Law 111-143). Medicare site neutral payments Federal exchange subsidies under The Affordable Care Act Medicare and Medicaid Disproportionate Share Hospital funding 2017 Medicare Outpatient Payment Rule American Health Care Act of 2017 (H.R. 1628) VA Choice Act Accountable Care Organization (ACO) programs American Health Care Act Better Care Reconciliation Act Repeal of Affordable Care Act Stark Law Reform HR 1838: ASC Quality and Access Act HR 1017: Removing Barriers to Colorectal Cancer Screening CHGME Reauthorization and Appropriations HR 3806: The Personal Data Notification and Protection Act HR 2683: The Protecting Veterans Credit Act CMS ALOS hospital definition rule Opioids Drug Pricing Drug Shortages Site neutral payments S.3592 - No More Surprise Medical Bills Act of 2018

Client expense: $370,000 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), Consumer Financial Protection Bureau (CFPB), Federal Communications Commission (FCC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), SENATE, White House Office

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

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

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

Internet, marketing, and data protection issues Issues pertaining to facilitating access to credit Potential privacy, data security, and breach notification legislation in House of Representatives and Senate Issues related to Internal Revenue Service Credit Repair Organizations Act (Title IV of Consumer Credit Protection Act) reform Alternative data and consumer lending credit review issues H.R. 402 - Fair Access to Credit Scores Act of 2017 H.R. 435 - The Credit Access and Inclusion Act of 2017 H.R. 387 - Email Privacy Act S. 395 - Geolocational Privacy and Surveillance Act H.R. 1062 - Geolocational Privacy and Surveillance Act H.R. 1061 - Cell Location Privacy Act of 2017 S. 88 - Developing Innovation and Growing the Internet of Things Act H.R. 686 - Developing Innovation and Growing the Internet of Things Act H.R. 135 - Cyber Privacy Fortification Act of 2017 H.R. 600 - Digital GAP Act S. 278 - Support for Rapid Innovation Act H.R. 1224 - NIST Cybersecurity Framework, Assessment and Auditing Act of 2017 H.R. 1335 - Cybersecurity Responsibility Act of 2017 S. 536 - Cybersecurity Disclosure Act of 2017 H.R. 704 - Small Business and Community Investments Expansion Act of 2017 H.R. 2520 - BROWSER Act of 2017 S. 1786 - Stopping Errors in Consumer Use and Reporting [SECURE] Act H.R. 3755 - Comprehensive Consumer Credit Reporting Reform Act of 2017 H.R. 3760 - Protecting Consumers from Unreasonable Credit Rates Act of 2017 H.R. 3766 - Credit Information Protection Act of 2017 H.R. 3783 - Equal Employment for All Act of 2017 S. 1810 - Free Credit Freeze Act S. 1816 - Freedom from Equifax Exploitation Act S. 1819 - Equal Employment for All Act of 2017 S. 1858 - Empowering States Rights to Protect Consumers Act of 2017 H.R. 3878 - Free Credit Freeze Act H.R. 3806 - Personal Data Notification and Protection Act of 2017 H.R. 3816 - To require notification followin ga breach of security of a system containing personal information, and for other purposes S. 1900 - Data Breach Accountability and Enforcement Act of 2017 S. 2155 - Economic Growth, Regulatory Relief, and Consumer Protection Act H.R. 2683 - Protecting Veterans Credit Act of 2017 S. 744 - Protecting Veterans Credit Act of 2017 H.R. 2359 - FCRA Liability Harmonization Act S. 1989 - Honest Ads Act H.R. 4077 - Honest Ads Act S. 2728 - Social Media Privacy Protection and Consumer Rights Act of 2018

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

Government targets: Commerce, Dept of (DOC), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, SENATE

Legislative and regulatory issues pertaining to credit reporting and scoring, including S. 2155, S. 744, S. 3040, H.R. 2683, H.R. 435, H.R. 2359, H.R. 5078, S. 488, H.R. 3280, H.R. 6258, and S. 3107. Legislative issues related to financial literacy tools and the Credit Repair Organizations Act, including H.R. 6192.

Client expense: $360,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Consumer Financial Protection Bureau (CFPB), Federal Housing Finance Agency (FHFA), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), SENATE

Issues related to Credit Reporting and Credit Monitoring generally HR 2683, Protecting Veterans Credit Act

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 91, the Building Supportive Networks for Women Veterans Act H.R. 93 H.R. 95, the Veterans Access to Child Care Act H.R. 105, the Protect Veterans from Financial Fraud Act of 2017 H.R. 282, the Military Residency Choice Act H.R. 299, the Blue Water Navy Vietnam Veterans Act of 2017 H.R. 369 H.R. 457 H.R. 467, the VA Scheduling Accountability Act of 2017 H.R. 501, the VA Transparency Enhancement Act of 2017 H.R. 611/ S. 152, the VA Accountability First and Appeals Modernization Act H.R. 907, the Newborn Improvement Act H.R. 918, the Veterans Urgent Access to Mental Health Care Act H.R. 927 H.R. 1005 H.R. 1058, VA Provider Equity Act H.R. 1063, the Veteran Prescription Continuity Act H.R. 1066, the VA Management Alignment Act of 2017 H.R. 1133, the Veterans Transplant Coverage Act of 2017 H.R. 1162, the No Hero Left Untreated Act H.R. 1206, the Reducing Barriers for Veterans Education Act H.R. 1259/ S. 493, the VA Accountability First Act H.R. 1328, the American Heroes COLA Act of 2017 H.R. 1329 H.R. 1390 H.R. 1472, the Military and Veteran Caregiver Services Improvement Act of 2017 H.R. 1506, the VA Health Care Provider Education Debt Relief Act of 2017 H.R. 1545, the VA Prescription Data Accountability Act of 2017 H.R. 1564 H.R. 1662 H.R. 1690, the Department of Veterans Affairs Bonus Transparency Act H.R. 1712, the Protection and Advocacy for Veterans Act H.R. 1721 H.R. 1725, the Quicker Veterans Benefits Delivery Act of 2017 H.R. 1802, the Military and Veteran Caregiver Services Improvement Act of 2017 H.R. 1848, the Veterans Affairs Medical Scribe Pilot Act of 2017 H.R. 1900, the National Veterans Memorial and Museum Act H.R. 1943, the Restoring Maximum Mobility to Our Nations Veterans Act of 2017 H.R. 1972, the VA Billing Accountability Act H.R. 2123, the Veterans E-Health and Telemedicine Support (VETS) Act of 2017 H.R. 2147/ S. 946, the Veterans Treatment Court Improvement Act of 2017 H.R. 2225, the Veterans Dog Training Therapy Act H.R. 2322, Injured and Amputee Veterans Bill of Rights H.R. 2327, the Puppies Assisting Wounded Servicemembers (PAWS) Act of 2017 H.R. 2409 H.R. 2601, the Veterans Increased Choice for Transplanted Organs and Recovery (VICTOR) Act of 2017 H.R. 2631, the Justice for Service Members Act of 2017 H.R. 2683, the Protecting Veterans Credit Act H.R. 2772, the SEA Act H.R. 2787, the VET MD Act H.R. 3023 H.R. 3122, the Veterans Care Financial Protection Act of 2017 H.R. 3197, the PUPPERS Act of 2017 H.R. 3642, the Military Sexual Assault Victims Empowerment (SAVE) Act H.R. 3656 H.R. 3657 H.R. 3696, the Wounded Warrior Workforce Enhancement Act H.R. 3705, the Veterans Fair Debt Notice Act of 2017 H.R. 3832, the Veterans Opioid Abuse Prevention Act H.R. 3940, the Veterans Education Disabled Assistance Act H.R. 4099 H.R. 4242, the VA Care in the Community Act H.R. 4243 H.R. 4334, the Improving Oversight of Women Veterans' Care Act of 2017 H.R. 4369, the, Protecting Benefits for Disabled Veterans of America H.R. 4451, the Homeless Veterans Reintegration Programs Reauthorization Act of 2017 H.R. 4635, the Peer-2-Peer Act H.R. 4830, the SIT-REP Act H.R. 4835, the Job TOOLS for Veterans Act H.R. 5044, the Service-Disabled Veterans Small Business Continuation Act H.R. 5177, the Encouraging Veterans Employment Act H.R. 5413, the Improving Veterans Access to Congressional Services Act of 2018 H.R. 5418, the Veterans Affairs Medical-Surgical Purchasing Stabilization Act H.R. 5467, the Purple Heart and Disabled Veterans Equal Access Act of 2018 H.R. 5452, the Reduce Unemployment for Veterans of All Ages Act of 2018 H.R. 5520, the VA Medicinal Cannabis Research Act of 2018 H.R. 5521, the VA Hiring Enhancement Act H.R. 5538 H.R. 5644, the VET OPP Act H.R. 5649, the Navy SEAL Chief Petty Officer William Bill Mulder (Ret.) Transition Improvement Act of 2018 H.R. 5671/S. 3181, the Burn Pits Accountability Act H.R. 5674, the VA MISSION Act of 2018 H.R. 5693, the Long-Term Care Veterans Choice Act H.R. 5864, the VA Hospitals Establishing Leadership Performance Act H.R. 5938, the Veterans Serving Veterans Act of 2018 H.R. 5974, the VA COST SAVINGS Enhancements Act H.R. 6066 H.R. 6419, the Justice for ALS Veterans Act of 2018 H.R. 6764, the Full Military Honors Act of 2018 H.R. 6869, the Violence Against Women Veterans Act H.R. 6993 The Veteran Coordinated Access & Rewarding Experiences (CARE) Act House Draft Bill, the VA Energy Procurement and Environmental Assets House Draft Bill Regarding State Homes and Other Purposes House Draft Legislation Regarding the Veterans Crisis Line House Draft Bill Regarding Caregiver Expansion House Draft Bill Regarding HUD/VASH eligibility to include veterans with other than honorable discharges. House Draft Bill Regarding Access to Same Day Mental Health Services House Draft Bill, the Wounded Warrior Assistance Act House Draft Bill on improving access to housing adaptations through VA for veterans with ALS. The Honoring Yesterdays Heroes Act S. 75 the Arla Harrell Act S. 86 S. 111, the Filipino Veterans Promise Act S. 115, the Veterans Transplant Coverage Act S. 116 S. 152 S. 410, the Shawna Hill Post-9/11 Education Transferability Act S. 426, the Grow Our Own Directive: Physician Assistance Employment and Education Act of 2017 S. 473 S. 514, the No Hero Left Untreated Act S. 591, the Military and Veteran Caregiver Services Improvement Act of 2017 S. 681, the Deborah Sampson Act S. 683, the Keeping Our Commitment to Disabled Veterans Act of 2017 S. 712 S. 758, the Janey Ensminger Act of 2017 S. 764, the Veterans Education Priority Enrollment Act of 2017 S. 784, the Veterans Compensation Cost-of-Living Adjustment Act of 2017 S. 798, the Yellow Ribbon Improvement Act S. 833, the Servicemembers and Veterans Empowerment and Support Act of 2017 S. 882 S. 899, the Department of Veterans Affairs Veteran Transition Improvement Act S. 1024, the Veterans Appeals Improvement and Modernization Act of 2017 S. 1094, the Department of Veterans Affairs Accountability and Whistleblower Protection Act of 2017 S. 1111, the Violence Against Women Veterans Act S. 1153, the Veterans Acquiring Community Care Expect Safe Services Act of 2017 S. 1209 S. 1261, the Veterans Emergency Room Relief Act of 2017 S. 1266, the Enhancing Veteran Care Act S. 1279, the Veterans Health Administration Reform Act S. 1325, the Better Workforce for Veterans Act of 2017 S. 1550, the Department of Veterans Affairs Quality Employment Act of 2017 S. 1596, the BRAVE Act of 2017 S. 1952, the VA Financial Accountability Act of 2017 S. 1990, the Dependency and Indemnity Compensation Improvement Act of 2017 S. 2107, the VA Provider Accountability Act S. 2131, the VA Newborn Emergency Treatment Act S. 2193, the Caring for our Veterans Act of 2017 S. 2210, the Veteran PEER Act S. 2372, the VA MISSION Act of 2018 S. 2402 S. 2485, the Medal of Honor Surviving Spouses Recognition Act of 2018 S. 2679, the Veterans Small Business Enhancement Act of 2018 S. 2748, the BATTLE for Servicemembers Act S. 3184 S. 3302, the VA Hiring Enhancement Act S. 3313, the Veterans Dental Care Eligibility Expansion and Enhancement Act of 2018 S. 3507 S. 3528, the Care for Veterans Act of 2018 S. 3529, the VET PFAS Act Senate Draft, to provide child care assistance to veterans receiving certain training or vocational rehabilitation, and for other purposes. Senate Draft Bill, the PUPPERS Act of 2017 Senate protection and advocacy system draft legislation Senate Draft Bill, to require the Secretary of Veterans Affairs to establish a program to award grants to persons to provide and coordinate the provision of suicide prevention services for veterans transitioning from service in the Armed Forces who are at risk of suicide and for their families, and for other purposes. Senate Draft Bill, the Modernization of Medical Records Access for Veterans Act Senate Draft Bill on improving the Transition Assistance Program The Veterans Choice Act The Improving Veterans Access to Community Care Act Implementation of P.L. 113-146, the Veterans Access, Choice, and Accountability Act Implementation of P.L. 115-55, the Veterans Appeals Improvement and Modernization Act of 2017 Implementation of P.L. 115-48, the Harry W. Colmery Veterans Educational Assistance Act of 2017

Client expense: $46,327 · Firm income: Not reported

Government targets: AMTRAK - Natl Railroad Passenger Corporation, HOUSE OF REPRESENTATIVES, Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Institutes of Health (NIH), SENATE, Transportation, Dept of (DOT), Veterans Affairs, Dept of (VA)

General issues related to privacy, cybersecurity, data security, credit reporting and background screening. Specific issues included: draft data security and breach notice proposals (Luetkemeyer)(House E&C Committee); the Protecting Veterans Credit Act (S.744)(HR 2683) (Donnelly, Delaney), issues related to credit reporting; the Score Competition Act (S.1685, Scott); credit freeeze and breach response, including S.1816, "Freedom from Equifax Exploitation Act" (Warren), S 2362 (Reed) "Control Your Personal Credit Information Act of 2018", S 2289 (Warren) "Data Breach Prevention and Compensation Act of 2018", S 2155, the "Economic Growth, Regulatory Relief, and Consumer Protection Act" (Crapo) issues related to credit reporting agencies, and H.R. 4028, the "Promoting Responsible Oversight of Transactions and Examinations of Credit Technology Act of 2017", or the "PROTECT Act" (McHenry), issues related to credit reporting and social security numbers; Draft proposals on FCRA and credit reporting regulation (Kennedy-Schatz).

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S. 2155 - Economic Growth, Regulatory Relief, and Consumer Protection Act - issues as they relate to the credit reporting industry including veterans, credit freezes, credit monitoring S. 2362 - Control Your Personal Credit Information Act of 2018 - issues as they relate to consumer information. S. 2289 - Data Breach Prevention and Compensation Act of 2018 - Issues as they relate to consumer information H.R. 2683/S.744 - Protecting Veterans Credit Act - issues as they relate to consumer information. Data Security Issues S. 1519 - National Defense Authorization Act - as it relates to financial services provisions. S. 3107 - Financial Services and General Government Appropriations Act, 2019 - as it pertains to financial services provisions

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

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

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

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

Internet, marketing, and data protection issues Issues pertaining to facilitating access to credit Potential privacy, data security, and breach notification legislation in House of Representatives and Senate Issues related to Internal Revenue Service Credit Repair Organizations Act (Title IV of Consumer Credit Protection Act) reform Alternative data and consumer lending credit review issues H.R. 402 - Fair Access to Credit Scores Act of 2017 H.R. 435 - The Credit Access and Inclusion Act of 2017 H.R. 387 - Email Privacy Act S. 395 - Geolocational Privacy and Surveillance Act H.R. 1062 - Geolocational Privacy and Surveillance Act H.R. 1061 - Cell Location Privacy Act of 2017 S. 88 - Developing Innovation and Growing the Internet of Things Act H.R. 686 - Developing Innovation and Growing the Internet of Things Act H.R. 135 - Cyber Privacy Fortification Act of 2017 H.R. 600 - Digital GAP Act S. 278 - Support for Rapid Innovation Act H.R. 1224 - NIST Cybersecurity Framework, Assessment and Auditing Act of 2017 H.R. 1335 - Cybersecurity Responsibility Act of 2017 S. 536 - Cybersecurity Disclosure Act of 2017 H.R. 704 - Small Business and Community Investments Expansion Act of 2017 H.R. 2520 - BROWSER Act of 2017 S. 1786 - Stopping Errors in Consumer Use and Reporting [SECURE] Act H.R. 3755 - Comprehensive Consumer Credit Reporting Reform Act of 2017 H.R. 3760 - Protecting Consumers from Unreasonable Credit Rates Act of 2017 H.R. 3766 - Credit Information Protection Act of 2017 H.R. 3783 - Equal Employment for All Act of 2017 S. 1810 - Free Credit Freeze Act S. 1816 - Freedom from Equifax Exploitation Act S. 1819 - Equal Employment for All Act of 2017 S. 1858 - Empowering States Rights to Protect Consumers Act of 2017 H.R. 3878 - Free Credit Freeze Act H.R. 3806 - Personal Data Notification and Protection Act of 2017 H.R. 3816 - To require notification following a breach of security of a system containing personal information, and for other purposes S. 1900 - Data Breach Accountability and Enforcement Act of 2017 S. 2155 - Economic Growth, Regulatory Relief, and Consumer Protection Act H.R. 2683 - Protecting Veterans Credit Act of 2017 S. 744 - Protecting Veterans Credit Act of 2017 H.R. 2359 - FCRA Liability Harmonization Act S. 1989 - Honest Ads Act H.R. 4077 - Honest Ads Act S. 2728 - Social Media Privacy Protection and Consumer Rights Act of 2018

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

Government targets: Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, SENATE

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

Hospital and physician payments under Medicare and Medicaid, general. Medicare/ Medicaid Reform- (Bundling of Medicare acute and post-acute hospital payments, payments for readmissions, value-based purchasing, physician self-referral)- Implementation of the Health Care and Education Reconciliation Act of 2012 (Pub. Law 111-143). Medicare site neutral payments State of Texas Medicaid Transformation Waiver, Section 1115 of Social Security Act Federal exchange subsidies under The Affordable Care Act Florida's Medicaid Low Income Pool Medicare and Medicaid Disproportionate Share Hospital funding 2017 Medicare Outpatient Payment Rule American Health Care Act of 2017 (H.R. 1628) Better Care Reconciliation Act Repeal of Affordable Care Act Stark law reform HR 1838: ASC Quality and Access Act HR 1017: Removing Barriers to Colorectal Cancer Screening CHGME Reauthorization and Appropriations HR 3806: The Personal Data Notification and Protection Act HR 2683: The Protecting Veterans Credit Act CMS ALOS hospital definition rule Opioids Drug Pricing Drug Shortages Site neutral payments

Client expense: $380,000 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), Consumer Financial Protection Bureau (CFPB), Federal Communications Commission (FCC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), SENATE, White House Office

Hospital and physician payments under Medicare and Medicaid, general. Medicare/ Medicaid Reform- (Bundling of Medicare acute and post-acute hospital payments, payments for readmissions, value-based purchasing, physician self-referral)- Implementation of the Health Care and Education Reconciliation Act of 2012 (Pub. Law 111-143). Medicare site neutral payments State of Texas Medicaid Transformation Waiver, Section 1115 of Social Security Act Federal exchange subsidies under The Affordable Care Act Florida's Medicaid Low Income Pool Medicare and Medicaid Disproportionate Share Hospital funding 2017 Medicare Outpatient Payment Rule American Health Care Act of 2017 (H.R. 1628) VA Choice Act Accountable Care Organization (ACO) programs American Health Care Act Better Care Reconciliation Act Repeal of Affordable Care Act Stark Law Reform HR 1838: ASC Quality and Access Act HR 1017: Removing Barriers to Colorectal Cancer Screening CHGME Reauthorization and Appropriations HR 3806: The Personal Data Notification and Protection Act HR 2683: The Protecting Veterans Credit Act CMS ALOS hospital definition rule Opioids Drug Pricing Drug Shortages Site neutral payments

Client expense: $380,000 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), Consumer Financial Protection Bureau (CFPB), Federal Communications Commission (FCC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), SENATE, White House Office

HR 4571, FAIR Heroes Act: Waive Medicare late enrollment penalties for disabled veterans eligible for TRICARE-Entire Bill HR 1472, Military and Veteran Caregiver Services Improvement Act: Expand veterans and military caregiver benefits - Entire Bill HR 1683, National Purple Heart Hall of Honor Commemorative Coin Act: Authorizes the minting of a commemorative coin for the National Purple Heart Hall of Honor - Entire Bill HR 2198, Veterans Crisis Line Improvemement Act: Directs the Secretary to ensure all calls are answered timely - Entire Bill HR 2222, HOMES Act: Incentivize grantees for to rehouse homeless veterans - Entire Bill HR 2225, Veterans Dog Training Therapy Act: Teach veterans to train service dogs - Entire Bill HR 2631, Justice for Servicemembers Act: Eliminates forced arbitration in USERRA claims - Entire Bill HR 27 , Ensuring VA Employee Accountability Act: Retain a copy of all reprimands of VA employees HR 5467, Purple Heart and Disabled Veterans Equal Access Act: Gives commissary privleges to all disabled veterans - Entire Bill HR 2850, Military Patron Protection Act: Include stakeholder engagement in military commissary reform - Entire Bill HR 299, To amend title 38, United States Code, to clarify presumptions relating to the exposure of certain veterans who served in the vicinity of the Republic of Vietnam, and for other purposes.: Extends Agent Orange benefits to Blue Water Navy veterans - Entire Bill HR 303, To amend title 10, United States Code, to permit additional retired members of the Armed Forces who have a service-connected disability to receive both disability compensation from the Department of Veterans Affairs for their disability and either retired pay by reason of their years of military service or combat-related special compensation.: Authorizes concurrent receipt of VA disability benefits and DOD retired pay - Entire Bill HR 333, Disabled Veterans Tax Termination Act: Authorizes concurrent receipt of VA disability benefits and DOD retired pay - Entire Bill HR 506, Preventing Crimes Against Veterans Act: Increases penalty for those who engage in schemes to defraud veterans of federal benefits HR 544, Private Corrado Piccoli Purple Heart Preservation Act: Prohibits the sale of military-issued Purple Heart medals - Entire Bill HR 846, To amend title 10, United States Code, to repeal the requirement for reduction of survivor annuities under the Survivor Benefit Plan for military surviving spouses to offset the receipt of veterans dependency and indemnity compensation, and for other purposes.: Eliminates the Survivor Benfit Plan/Dependency and Indemnity Compensation offset for veterans' widows and survivors - Entire Bill HR 907, Newborn Care Improvement Act: Increases the amount of time VA may provide maternity care to women veterans - Entire Bill HR 92, CHAMPVA Children's Protection Act of 2017: Allows veterans' children to remain on CHAMPVA until age 26 - Entire Bill Presidential Proclamation, : Recognition of August 7, 2018 as National Purple Heart Day S 1550, Department of Veterans Affairs Quality Employment Act: Improves VA authority to hire and retain Doctors S 339, Military Widow's Tax Elimination Act of 2017: Eliminates the Survivor Benfit Plan/Dependency and Indemnity Compensation offset for veterans' widows and survivors - Entire Bill S 369, Boosting Rates of American Veteran Employment Act: Gives preference to federal contractors who employ veterans - Entire Bill S 422, Blue Water Navy Vietnam Veterans Act of 2017: Extends Agent Orange benefits to Blue Water Navy veterans - Entire Bill S 423, CHAMPVA Children's Care Protection Act of 2017: Allows veterans' children to remain on CHAMPVA until age 26 - Entire Bill S 514, No Hero Left Untreated Act: Provide veterans with magnetic EEG therapy - Entire Bill S 591, Military and Veteran Caregiver Services Improvement Act: Expand veterans and military caregiver benefits - Entire Bill S 646, Justice for Servicemembers Act: Eliminates forced arbitration in USERRA claims - Entir Bill S 66, Retired Pay Restoration Act: Authorizes concurrent receipt of VA disability benefits and DOD retired pay - Entire Bill S 667, Reserve Component Benefits Parity Act: Gives full active duty benefits to Guard and Reserves deployed under 12304a and 12304b orders - Entire Bill S 765 , Private Corrado Piccoli Purple Heart Preservation Act: Prohibits the sale of military-issued Purple Heart medals - Entire Bill S 946, Veterans Court Improvement Act of 2017: Increase VA funding for Veterans Justice Outreach specialists - Entire Bill S 2193, Caring for Our Veterans Act: Makes improvements the the Veterans Choice Program - Entire Bill HR 4345, Veterans Treatment Court Coordination Act: Gives grants to states with veterans treatment courts - Entire Bill HR 1384, Reserve Component Benefits Parity Act: Gives full active duty benefits to Guard and Reserves deployed under 12304a and 12304b orders - Entire Bill HR 2683, Protecting Veterans Credit Act: Require credit rating agencies to strike debts from veterans credit reports if they were incurred from care authorized by the Dept. of Veterans Affairs - Entire Bill HR 3642, Military SAVE Act: Pilot program to allow victims of military sexual trauma to elect to receive private health care - Entire Bill HR 4016, Restore Veterans Compensation Act: Eliminate the recoupment of separation pay from veterans who are subsequently awarded disability compensation - Entire Bill HR 4099, To amend title 38, USC, to ensure that children of homeless veterans are included in the calculation of the amounts of certain per diem grants: Ensure children of homeless veterans are included when calculating per diem grants - Entire Bill HR 4328, Honoring World War I Memorials Act: Gives grants to repair World War I Memorials - Entire Bill HR 4369, Protecting Benefits for Disabled Veterans Act: Codifies the veterans individual unemployability benefit - Entire Bill S 1990, Dependency and Indemnity Compensation Improvemement Act: Improves compensation to veterans survivors-Entire Bill S 2117, FAIR Heroes Act: Waive Medicare late enrollment penalties for disabled veterans eligible for TRICARE-Entire Bill HR 4345, Veteran Treatment Court Coordination Act: Establish grants and training for veterans treatment courts HR 1928, Families of Fallen Servicemembers First Act: Pay timely death gratuity in the case of a government shutdown-Entire Bill S 2386, Veterans' Second Amendment Rights Restoration Act: Prevents veterans assigned a fiduciary from being placed on the do not sell list-Entire Bill HR 695, Department ofDefenseAppropriationsAct, 2018: Pass the bill, not a continuing resolution S 2184, Veterans Community Care and Access Act : Title 1 only - creates access standards for veterans community care S 2379, Military Spouse Employment Act : Provide child care for working military spouses-Entire Bill HR 4508, PROSPER Act: Oppose provisions that would roll back consumer protections for student veterans and servicemembers S 2372, VA MISSION Act: Makes improvements the the Veterans Choice Program - Entire Bill HR 5199, The Education Savings Accounts for Military Families Act: Oppose diversion of funding from Impact Aid in order to provide a voucher for military families living in selected school districts HR 5747, SOF Tax Cut Act: Extend the Combat Zone Tax Exclusion to servicemembers who are deployed on counter terrorism missions - Entire bill HR 6161, To amend title 38, United States Code, to waive fees for Purple Heart recipients serving on active duty for loans guaranteed under the home loan program of Department of Veterans Affairs: Waive VA Home Loan funding fee for active duty Purple Heart recipients-Entire bill HR 5515, John S. McCain National Defense Authorization Act for Fiscal Year 2019: Various provisions related to military pay, health care, and personnel issues S Amdt 2411, : Repeal the law requiring a dollar-for-dollar deduction of VA benefits for service-connected deaths from the Department of Defense Survivor Benefit Plan (SBP) annuities S Amdt 2622, : Gives commissary privleges to all disabled veterans S Amdt 2910, Complete the MISSION Amdt: Provide sufficient new resources required to implement the provisions of the VA MISSION Act, without triggering sequestration or requiring cuts to other VA programs Letter to Agency Ethics Official, : Do not eliminate regulations prohibiting VA employees from accepting gifts or compensation from for-profit schools Letter to Committee Chairmen, : Eliminate discrepanciesbetween the active duty and reserve components regarding the Joint Travel Regulations and their implementation CFP: Do not curtail access to information regarding public reporting and database of consumer complaints received by the US Consumer Financial Protection Bureau

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

Government targets: Consumer Financial Protection Bureau (CFPB), HOUSE OF REPRESENTATIVES, SENATE, Veterans Affairs, Dept of (VA), White House Office

H.R. 91, the Building Supportive Networks for Women Veterans Act H.R. 93 H.R. 95, the Veterans Access to Child Care Act H.R. 105, the Protect Veterans from Financial Fraud Act of 2017 H.R. 282, the Military Residency Choice Act H.R. 299, the Blue Water Navy Vietnam Veterans Act of 2017 H.R. 369 H.R. 457 H.R. 467, the VA Scheduling Accountability Act of 2017 H.R. 501, the VA Transparency Enhancement Act of 2017 H.R. 611/ S. 152, the VA Accountability First and Appeals Modernization Act H.R. 907, the Newborn Improvement Act H.R. 918, the Veterans Urgent Access to Mental Health Care Act H.R. 927 H.R. 1005 H.R. 1058, VA Provider Equity Act H.R. 1063, the Veteran Prescription Continuity Act H.R. 1066, the VA Management Alignment Act of 2017 H.R. 1133, the Veterans Transplant Coverage Act of 2017 H.R. 1162, the No Hero Left Untreated Act H.R. 1206, the Reducing Barriers for Veterans Education Act H.R. 1259/ S. 493, the VA Accountability First Act H.R. 1328, the American Heroes COLA Act of 2017 H.R. 1329 H.R. 1390 H.R. 1472, the Military and Veteran Caregiver Services Improvement Act of 2017 H.R. 1506, the VA Health Care Provider Education Debt Relief Act of 2017 H.R. 1545, the VA Prescription Data Accountability Act of 2017 H.R. 1564 H.R. 1662 H.R. 1690, the Department of Veterans Affairs Bonus Transparency Act H.R. 1712, the Protection and Advocacy for Veterans Act H.R. 1721 H.R. 1725, the Quicker Veterans Benefits Delivery Act of 2017 H.R. 1802, the Military and Veteran Caregiver Services Improvement Act of 2017 H.R. 1848, the Veterans Affairs Medical Scribe Pilot Act of 2017 H.R. 1900, the National Veterans Memorial and Museum Act H.R. 1943, the Restoring Maximum Mobility to Our Nations Veterans Act of 2017 H.R. 1972, the VA Billing Accountability Act H.R. 2123, the Veterans E-Health and Telemedicine Support (VETS) Act of 2017 H.R. 2147/ S. 946, the Veterans Treatment Court Improvement Act of 2017 H.R. 2225, the Veterans Dog Training Therapy Act H.R. 2322, Injured and Amputee Veterans Bill of Rights H.R. 2327, the Puppies Assisting Wounded Servicemembers (PAWS) Act of 2017 H.R. 2409 H.R. 2601, the Veterans Increased Choice for Transplanted Organs and Recovery (VICTOR) Act of 2017 H.R. 2631, the Justice for Service Members Act of 2017 H.R. 2683, the Protecting Veterans Credit Act H.R. 2772, the SEA Act H.R. 2787, the VET MD Act H.R. 3023 H.R. 3122, the Veterans Care Financial Protection Act of 2017 H.R. 3197, the PUPPERS Act of 2017 H.R. 3642, the Military Sexual Assault Victims Empowerment (SAVE) Act H.R. 3656 H.R. 3657 H.R. 3696, the Wounded Warrior Workforce Enhancement Act H.R. 3705, the Veterans Fair Debt Notice Act of 2017 H.R. 3832, the Veterans Opioid Abuse Prevention Act H.R. 3940, the Veterans Education Disabled Assistance Act H.R. 4099 H.R. 4242, the VA Care in the Community Act H.R. 4243 H.R. 4334, the Improving Oversight of Women Veterans' Care Act of 2017 H.R. 4369, the, Protecting Benefits for Disabled Veterans of America H.R. 4451, the Homeless Veterans Reintegration Programs Reauthorization Act of 2017 H.R. 4635, the Peer-2-Peer Act H.R. 4830, the SIT-REP Act H.R. 4835, the Job TOOLS for Veterans Act H.R. 5044, the Service-Disabled Veterans Small Business Continuation Act H.R. 5177, the Encouraging Veterans Employment Act H.R. 5413, the Improving Veterans Access to Congressional Services Act of 2018 H.R. 5467, the Purple Heart and Disabled Veterans Equal Access Act of 2018 H.R. 5452, the Reduce Unemployment for Veterans of All Ages Act of 2018 H.R. 5520, the VA Medicinal Cannabis Research Act of 2018 H.R. 5521, the VA Hiring Enhancement Act H.R. 5538 H.R. 5644, the VET OPP Act H.R. 5649, the Navy SEAL Chief Petty Officer William Bill Mulder (Ret.) Transition Improvement Act of 2018 H.R. 5671/S. 3181, the Burn Pits Accountability Act H.R. 5674, the VA MISSION Act of 2018 H.R. 5693, the Long-Term Care Veterans Choice Act H.R. 5864, the VA Hospitals Establishing Leadership Performance Act H.R. 5938, the Veterans Serving Veterans Act of 2018 H.R. 5974, the VA COST SAVINGS Enhancements Act H.R. 6066 The Veteran Coordinated Access & Rewarding Experiences (CARE) Act House Draft Bill Regarding State Homes and Other Purposes House Draft Legislation Regarding the Veterans Crisis Line House Draft Bill Regarding Caregiver Expansion Discussion of hospital care and medical services for veterans and dependents stationed at military installations who were exposed to per- and polyfluoroalkyl substances. House Draft Bill Regarding Access to Same Day Mental Health Services House Draft Bill Regarding the Provision of a Supplemental Benefit to Widows of Veterans Who Die Due to ALS House Draft Bill, the Wounded Warrior Assistance Act House Draft Bill, the Violence Against Women Veterans Act The Honoring Yesterdays Heroes Act S. 75 the Arla Harrell Act S. 86 S. 111, the Filipino Veterans Promise Act S. 115, the Veterans Transplant Coverage Act S. 116 S. 152 S. 410, the Shawna Hill Post-9/11 Education Transferability Act S. 426, the Grow Our Own Directive: Physician Assistance Employment and Education Act of 2017 S. 473 S. 591, the Military and Veteran Caregiver Services Improvement Act of 2017 S. 681, the Deborah Sampson Act S. 683, the Keeping Our Commitment to Disabled Veterans Act of 2017 S. 712 S. 758, the Janey Ensminger Act of 2017 S. 764, the Veterans Education Priority Enrollment Act of 2017 S. 784, the Veterans Compensation Cost-of-Living Adjustment Act of 2017 S. 798, the Yellow Ribbon Improvement Act S. 833, the Servicemembers and Veterans Empowerment and Support Act of 2017 S. 882 S. 899, the Department of Veterans Affairs Veteran Transition Improvement Act S. 1024, the Veterans Appeals Improvement and Modernization Act of 2017 S. 1094, the Department of Veterans Affairs Accountability and Whistleblower Protection Act of 2017 S. 1111, the Violence Against Women Veterans Act S. 1153, the Veterans Acquiring Community Care Expect Safe Services Act of 2017 S. 1209 S. 1261, the Veterans Emergency Room Relief Act of 2017 S. 1266, the Enhancing Veteran Care Act S. 1279, the Veterans Health Administration Reform Act S. 1325, the Better Workforce for Veterans Act of 2017 S. 1519, the National Defense Authorization Act for Fiscal Year 2018 S. 1550, the Department of Veterans Affairs Quality Employment Act of 2017 S. 2107, the VA Provider Accountability Act S. 2131, the VA Newborn Emergency Treatment Act S. 2193, the Caring for our Veterans Act of 2017 S. 2210, the Veteran PEER Act S. 2372, the VA MISSION Act of 2018 S. 2402 S. 2679, the Veterans Small Business Enhancement Act of 2018 Senate Draft, to provide child care assistance to veterans receiving certain training or vocational rehabilitation, and for other purposes. Senate Draft Bill, the PUPPERS Act of 2017 Senate protection and advocacy system draft legislation The Veterans Choice Act The Improving Veterans Access to Community Care Act Implementation of P.L. 113-146, the Veterans Access, Choice, and Accountability Act Implementation of P.L. 115-55, the Veterans Appeals Improvement and Modernization Act of 2017

Client expense: $53,114 · Firm income: Not reported

Government targets: AMTRAK - Natl Railroad Passenger Corporation, HOUSE OF REPRESENTATIVES, Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Institutes of Health (NIH), SENATE, Transportation, Dept of (DOT), Veterans Affairs, Dept of (VA)

Legislative and regulatory issues pertaining to credit reporting and scoring, including S. 2155, S. 744, S. 3040, H.R. 2683, H.R. 435, H.R. 2359 and H.R. 5078. Legislative issues related to financial literacy tools and the Credit Repair Organizations Act.

Client expense: $360,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Consumer Financial Protection Bureau (CFPB), Federal Housing Finance Agency (FHFA), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), SENATE

General issues related to privacy, cybersecurity, data security, credit reporting and background screening. Specific issues included: draft data security and breach notice proposals (Luetkemeyer)(House E&C Committee); the Protecting Veterans Credit Act (S.744)(HR 2683) (Donnelly, Delaney), issues related to credit reporting; the Score Competition Act (S.1685, Scott); credit freeeze and breach response, including S.1816, "Freedom from Equifax Exploitation Act" (Warren), S 2362 (Reed) "Control Your Personal Credit Information Act of 2018", S 2289 (Warren) "Data Breach Prevention and Compensation Act of 2018", S 2155, the "Economic Growth, Regulatory Relief, and Consumer Protection Act" (Crapo) issues related to credit reporting agencies, and H.R. 4028, the "Promoting Responsible Oversight of Transactions and Examinations of Credit Technology Act of 2017", or the "PROTECT Act" (McHenry), issues related to credit reporting and social security numbers; Draft FCRA and credit reporting regulation (Kennedy-Schatz).

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S. 2155 - Economic Growth, Regulatory Relief, and Consumer Protection Act - issues as they relate to the credit reporting industry including veterans, credit freezes, credit monitoring S. 2362 - Control Your Personal Credit Information Act of 2018 - issues as they relate to consumer information. S. 2289 - Data Breach Prevention and Compensation Act of 2018 - Issues as they relate to consumer information H.R. 2683/S.744 - Protecting Veterans Credit Act - issues as they relate to consumer information. Data Security Issues

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE