Protecting Consumers from Unreasonable Credit Rates Act of 2017

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

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

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

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

Support GSE reform that contains language to: Preserve and Enhance Fair Housing and Anti-Discrimination Protections; Provide Broad Access for Borrowers, Institutions and Regions; Preserve the Systems Affordable Housing Mission, and the Availability of Inclusive Loan Products and Services; and protect taxpayers Support a national cap on interest rates and fees at 36% to eliminate high-cost loans (support HR 3760 / S 1659) Support a Community Reinvestment Act (CRA) which retains a local geographical focus; avoids simplistic measures of performance; safeguards vibrant public participation; maintains the importance of bank branches; retains its focus on low- and moderate-individuals and neighborhoods; penalizes, on CRA exams, discrimination and violation of anti-discrimination and pro-consumer laws; takes bank activity to people and communities of color into consideration; does not allow bank mergers after one or both of the banks fail a CRA exam; takes into consideration affiliate activities; recognizes community benefit agreements; and refines CRA rating to be more reflective of a banks activities Oppose the CFPB revisiting or weakening any existing regulations Oppose the OCC's proposal to reform the Community Reinvestment Act (CRA) Support the CFPB not interpreting the law based on private, one-sided information from industry only Support NCUA making no changes to the payday alternative loan (PAL) program that would increase the likelihood that credit union members end up in cycles of high-cost, short-term loans that resemble payday loan debt. Most critically, we strongly oppose permitting more than six application fees in twelve months as proposed for PAL II. We also oppose permitting 28% interest on loans as large as $2,000, dropping the minimum loan size, and proposing a PAL III program that would permit even more expensive or larger loans or weaker underwriting. Finally, we urge NCUA to address abusive overdraft fee programs, which lessen the incentive for credit Oppose nomination of Kathleen Kraninger to be Director of the Consumer Financial Protection Bureau (CFPB) Oppose the SECs proposed rule in promulgating the establishment of a new best interest standard of conduct for broker-dealers when making a recommendation of any transaction or investment strategy involving securities to a retail customer Oppose the FDIC expanding predatory lending and undermining state usury limits-specifically (1) retain the FDICs critical guidance addressing 200-300% payday loans (deposit advances) made by banks; (2) ensure that small dollar installment loans are priced at 36% or less and based on the consumers ability to repay considering both income and expenses; and (3) prevent bank partnerships that evade state interest rate limits. Oppose any nominee for the CFPB Directorship who does not have an extensive background in consumer protection law and who does not support the Bureaus mission of protecting consumers Oppose CFPBs recent decision to abandon supervision on the Military Lending Act (MLA). Support the Department of Defense ensuring that the MLA is vigorously enforced. Oppose HR 6743, the Consumer Information Notification Requirement Act, which is not only unnecessary but also dangerous because of the broad scope of Section 3, which replaces a narrow preemption provision in the existing GLBA with a sweeping provision that could not only eliminate all state data breach notice, data security and other privacy laws as they apply to financial institutions, but forestall further state innovation to protect their citizens from all privacy, data security threats applying to any entity, and also deny state efforts to restrict inappropriate uses and sharing of information by health care providers, big tech firms, telephone companies and others Support H.R. 6972, The Consumers First Act:, which reestablishes the full duties of enumerated offices, like OFLEO; restores the supervisory and enforcement powers of the fair lending office; reestablishes a dedicated student loan office; reactivates prior MOUs promoting effective interagency efforts; requires adequate agency staffing, including for supervision and enforcement, to fully carry out the Consumer Bureaus statutory mandates; limits the number of political appointees that may be hired; and codifies the commonly used name of the Consumer Financial Protection Bureau Support the dismissal of Eric Blankenstein, the director of the CFPBs Office of Fair Lending, who dismissed racist comments and hate crimes laws Support The Consumer Protection Demographic Collection Bill, which would collect demographic information of an applicant applying for personal consumer credit, with the collection of the demographic information being collected by the creditor after they have been approved or denied for a type of credit. The purposes for collecting demographic information is to monitor, prevent, and punish discriminatory practices in personal consumer credit transactions. The types of consumer credit transactions include: 1) Small dollar loans such as payday lending and auto lending; 2) credit applications; 3) cash checking Support the Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB) to investigate a security flaw with Experians website Oppose the use of credit scores and credit reports when determining who to grant Lawful Permanent Resident Status to. Support increased activities by the CFPB to protect consumers from debt collection Support strong consumer protections for new electronic payment systems being developed and support the Fed playing a role as an operator to provide competition to the system that will be controlled by the big banks

Oppose any riders to Appropriations bill(s) which would place the Consumer Financial Protection Bureau under the appropriations process Oppose the leaked version of a housing finance proposal from U.S. Senators Bob Corker (TN) and Mark Warner (VA) that would severely harm Americas housing market. Our opposition is mainly rooted in the proposals negative impact on access, affordability, and market stability Support GSE reform that contains language to: Preserve and Enhance Fair Housing and Anti-Discrimination Protections; Provide Broad Access for Borrowers, Institutions and Regions; Preserve the Systems Affordable Housing Mission, and the Availability of Inclusive Loan Products and Services; and protect taxpayers Support a national cap on interest rates and fees at 36% to eliminate high-cost loans (support HR 3760 / S 1659) Support the retention of the CFPBs inclusive, transparent, evidence-based and comprehensive rulemaking process Oppose riders to the Financial Services / General Government Appropriations bill for 2019 which would deregulate everything from the nations largest banks to high-frequency Wall Street traders to consumer lenders supervised by the Consumer Financial Protection Bureau Support the long-established disparate impact jurisprudence under the Equal Credit Opportunity Act (ECOA). Support the importance of Regulation B and the use of the disparate-impact doctrine in enforcement actions, examinations, and complaint investigations that have ECOA implications Support the CFPB not interpreting the law based on private, one-sided information from industry only Support NCUA making no changes to the payday alternative loan (PAL) program that would increase the likelihood that credit union members end up in cycles of high-cost, short-term loans that resemble payday loan debt. Most critically, we strongly oppose permitting more than six application fees in twelve months as proposed for PAL II. We also oppose permitting 28% interest on loans as large as $2,000, dropping the minimum loan size, and proposing a PAL III program that would permit even more expensive or larger loans or weaker underwriting. Finally, we urge NCUA to address abusive overdraft fee programs, which lessen the incentive for credit Oppose nomination of Kathleen Kraninger to be Director of the Consumer Financial Protection Bureau (CFPB) Oppose the SECs proposed rule in promulgating the establishment of a new best interest standard of conduct for broker-dealers when making a recommendation of any transaction or investment strategy involving securities to a retail customer Oppose the FDIC expanding predatory lending and undermining state usury limits-specifically (1) retain the FDICs critical guidance addressing 200-300% payday loans (deposit advances) made by banks; (2) ensure that small dollar installment loans are priced at 36% or less and based on the consumers ability to repay considering both income and expenses; and (3) prevent bank partnerships that evade state interest rate limits. Oppose any nominee for the CFPB Directorship who does not have an extensive background in consumer protection law and who does not support the Bureaus mission of protecting consumers Oppose CFPBs recent decision to abandon supervision on the Military Lending Act (MLA). Support the Department of Defense ensuring that the MLA is vigorously enforced. Oppose HR 6743, the Consumer Information Notification Requirement Act, which is not only unnecessary but also dangerous because of the broad scope of Section 3, which replaces a narrow preemption provision in the existing GLBA with a sweeping provision that could not only eliminate all state data breach notice, data security and other privacy laws as they apply to financial institutions, but forestall further state innovation to protect their citizens from all privacy, data security threats applying to any entity, and also deny state efforts to restrict inappropriate uses and sharing of information by health care providers, big tech firms, telephone companies and others Support H.R. 6972, The Consumers First Act:, which reestablishes the full duties of enumerated offices, like OFLEO; restores the supervisory and enforcement powers of the fair lending office; reestablishes a dedicated student loan office; reactivates prior MOUs promoting effective interagency efforts; requires adequate agency staffing, including for supervision and enforcement, to fully carry out the Consumer Bureaus statutory mandates; limits the number of political appointees that may be hired; and codifies the commonly used name of the Consumer Financial Protection Bureau Support the dismissal of Eric Blankenstein, the director of the CFPBs Office of Fair Lending, who dismissed racist comments and hate crimes laws Support The Consumer Protection Demographic Collection Bill, which would collect demographic information of an applicant applying for personal consumer credit, with the collection of the demographic information being collected by the creditor after they have been approved or denied for a type of credit. The purposes for collecting demographic information is to monitor, prevent, and punish discriminatory practices in personal consumer credit transactions. The types of consumer credit transactions include: 1) Small dollar loans such as payday lending and auto lending; 2) credit applications; 3) cash checking Support a meeting between the Chairman of the FDIC and various civil rights & consumer organizations Support the Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB) to investigate a security flaw with Experians website Oppose the use of credit scores and credit reports when determining who to grant Lawful Permanent Resident Status to. Support increased activities by the CFPB to protect consumers from debt collection Support strong consumer protections for new electronic payment systems being developed and support the Fed playing a role as an operator to provide competition to the system that will be controlled by the big banks

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

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

Oppose any riders to Appropriations bill(s) which would place the Consumer Financial Protection Bureau under the appropriations process Oppose the leaked version of a housing finance proposal from U.S. Senators Bob Corker (TN) and Mark Warner (VA) that would severely harm Americas housing market. Our opposition is mainly rooted in the proposals negative impact on access, affordability, and market stability Support GSE reform that contains language to: Preserve and Enhance Fair Housing and Anti-Discrimination Protections; Provide Broad Access for Borrowers, Institutions and Regions; Preserve the Systems Affordable Housing Mission, and the Availability of Inclusive Loan Products and Services; and protect taxpayers Support a national cap on interest rates and fees at 36% to eliminate high-cost loans (support HR 3760 / S 1659) Oppose requiring the Consumer Financial Protection Bureau (CFPB) to re-evaluate the work of the CFPB Oppose changes to the CFPBs modus operendi that would make it more difficult for the agency to investigate potential violations of law and easier for lawbreakers to hamstring the bureau. Support the CFPBs current public complaint process Support the retention of the CFPBs inclusive, transparent, evidence-based and comprehensive rulemaking process Oppose riders to the Financial Services / General Government Appropriations bill for 2019 which would deregulate everything from the nations largest banks to high-frequency Wall Street traders to consumer lenders supervised by the Consumer Financial Protection Bureau Support a Community Reinvestment Act (CRA) which retains a local geographical focus; avoids simplistic measures of performance; safeguards vibrant public participation; maintains the importance of bank branches; retains its focus on low- and moderate-individuals and neighborhoods; penalizes, on CRA exams, discrimination and violation of anti-discrimination and pro-consumer laws; takes bank activity to people and communities of color into consideration; does not allow bank mergers after one or both of the banks fail a CRA exam; takes into consideration affiliate activities; recognizes community benefit agreements; and refines CRA rating to be more reflective of a banks activities Oppose the CFPB revisiting or weakening any existing regulations Support the CFPB not interpreting the law based on private, one-sided information from industry only Support NCUA making no changes to the payday alternative loan (PAL) program that would increase the likelihood that credit union members end up in cycles of high-cost, short-term loans that resemble payday loan debt. Most critically, we strongly oppose permitting more than six application fees in twelve months as proposed for PAL II. We also oppose permitting 28% interest on loans as large as $2,000, dropping the minimum loan size, and proposing a PAL III program that would permit even more expensive or larger loans or weaker underwriting. Finally, we urge NCUA to address abusive overdraft fee programs, which lessen the incentive for credit Oppose nomination of Kathleen Kraninger to be Director of the Consumer Financial Protection Bureau (CFPB) Oppose the SECs proposed rule in promulgating the establishment of a new best interest standard of conduct for broker-dealers when making a recommendation of any transaction or investment strategy involving securities to a retail customer Oppose the FDIC expanding predatory lending and undermining state usury limits-specifically (1) retain the FDICs critical guidance addressing 200-300% payday loans (deposit advances) made by banks; (2) ensure that small dollar installment loans are priced at 36% or less and based on the consumers ability to repay considering both income and expenses; and (3) prevent bank partnerships that evade state interest rate limits. Oppose any nominee for the CFPB Directorship who does not have an extensive background in consumer protection law and who does not support the Bureaus mission of protecting consumers Oppose CFPBs recent decision to abandon supervision on the Military Lending Act (MLA). Support the Department of Defense ensuring that the MLA is vigorously enforced. Oppose HR 6743, the Consumer Information Notification Requirement Act, which is not only unnecessary but also dangerous because of the broad scope of Section 3, which replaces a narrow preemption provision in the existing GLBA with a sweeping provision that could not only eliminate all state data breach notice, data security and other privacy laws as they apply to financial institutions, but forestall further state innovation to protect their citizens from all privacy, data security threats applying to any entity, and also deny state efforts to restrict inappropriate uses and sharing of information by health care providers, big tech firms, telephone companies and others Support H.R. 6972, The Consumers First Act:, which reestablishes the full duties of enumerated offices, like OFLEO; restores the supervisory and enforcement powers of the fair lending office; reestablishes a dedicated student loan office; reactivates prior MOUs promoting effective interagency efforts; requires adequate agency staffing, including for supervision and enforcement, to fully carry out the Consumer Bureaus statutory mandates; limits the number of political appointees that may be hired; and codifies the commonly used name of the Consumer Financial Protection Bureau

Oppose any riders to Appropriations bill(s) which would place the Consumer Financial Protection Bureau under the appropriations process Oppose the leaked version of a housing finance proposal from U.S. Senators Bob Corker (TN) and Mark Warner (VA) that would severely harm Americas housing market. Our opposition is mainly rooted in the proposals negative impact on access, affordability, and market stability Support GSE reform that contains language to: Preserve and Enhance Fair Housing and Anti-Discrimination Protections; Provide Broad Access for Borrowers, Institutions and Regions; Preserve the Systems Affordable Housing Mission, and the Availability of Inclusive Loan Products and Services; and protect taxpayers Support a national cap on interest rates and fees at 36% to eliminate high-cost loans (support HR 3760 / S 1659) Support the retention of the CFPBs inclusive, transparent, evidence-based and comprehensive rulemaking process Oppose riders to the Financial Services / General Government Appropriations bill for 2019 which would deregulate everything from the nations largest banks to high-frequency Wall Street traders to consumer lenders supervised by the Consumer Financial Protection Bureau Support the long-established disparate impact jurisprudence under the Equal Credit Opportunity Act (ECOA). Support the importance of Regulation B and the use of the disparate-impact doctrine in enforcement actions, examinations, and complaint investigations that have ECOA implications Support the CFPB not interpreting the law based on private, one-sided information from industry only Support NCUA making no changes to the payday alternative loan (PAL) program that would increase the likelihood that credit union members end up in cycles of high-cost, short-term loans that resemble payday loan debt. Most critically, we strongly oppose permitting more than six application fees in twelve months as proposed for PAL II. We also oppose permitting 28% interest on loans as large as $2,000, dropping the minimum loan size, and proposing a PAL III program that would permit even more expensive or larger loans or weaker underwriting. Finally, we urge NCUA to address abusive overdraft fee programs, which lessen the incentive for credit Oppose nomination of Kathleen Kraninger to be Director of the Consumer Financial Protection Bureau (CFPB) Oppose the SECs proposed rule in promulgating the establishment of a new best interest standard of conduct for broker-dealers when making a recommendation of any transaction or investment strategy involving securities to a retail customer Oppose the FDIC expanding predatory lending and undermining state usury limits-specifically (1) retain the FDICs critical guidance addressing 200-300% payday loans (deposit advances) made by banks; (2) ensure that small dollar installment loans are priced at 36% or less and based on the consumers ability to repay considering both income and expenses; and (3) prevent bank partnerships that evade state interest rate limits. Oppose any nominee for the CFPB Directorship who does not have an extensive background in consumer protection law and who does not support the Bureaus mission of protecting consumers Oppose CFPBs recent decision to abandon supervision on the Military Lending Act (MLA). Support the Department of Defense ensuring that the MLA is vigorously enforced. Oppose HR 6743, the Consumer Information Notification Requirement Act, which is not only unnecessary but also dangerous because of the broad scope of Section 3, which replaces a narrow preemption provision in the existing GLBA with a sweeping provision that could not only eliminate all state data breach notice, data security and other privacy laws as they apply to financial institutions, but forestall further state innovation to protect their citizens from all privacy, data security threats applying to any entity, and also deny state efforts to restrict inappropriate uses and sharing of information by health care providers, big tech firms, telephone companies and others Support H.R. 6972, The Consumers First Act:, which reestablishes the full duties of enumerated offices, like OFLEO; restores the supervisory and enforcement powers of the fair lending office; reestablishes a dedicated student loan office; reactivates prior MOUs promoting effective interagency efforts; requires adequate agency staffing, including for supervision and enforcement, to fully carry out the Consumer Bureaus statutory mandates; limits the number of political appointees that may be hired; and codifies the commonly used name of the Consumer Financial Protection Bureau

Oppose any riders to Appropriations bill(s) which would place the Consumer Financial Protection Bureau under the appropriations process Oppose the leaked version of a housing finance proposal from U.S. Senators Bob Corker (TN) and Mark Warner (VA) that would severely harm Americas housing market. Our opposition is mainly rooted in the proposals negative impact on access, affordability, and market stability Oppose H.R. 1153-the Mortgage Choice Act of 2018, which creates a loophole that would allow loans with higher costs to the borrower to improperly meet the Qualified Mortgage (QM) standard Oppose S. 2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act. The bill de-regulates the financial service industry by repealing several portions of the 2010 Dodd-Frank Wall Street Reform Act Oppose Section 104 of S. 2155, which requires tiered reporting of information under the Home Mortgage Disclosure Act (HMDA) and will result in the exemption of 85% of depositories from the updated reporting required by the Dodd-Frank Wall Street Reform and Consumer Protection Act Support GSE reform that contains language to: Preserve and Enhance Fair Housing and Anti-Discrimination Protections; Provide Broad Access for Borrowers, Institutions and Regions; Preserve the Systems Affordable Housing Mission, and the Availability of Inclusive Loan Products and Services; and protect taxpayers Oppose any bill or amendment which would cut the salaries of employees of the Consumer Financial Protection Bureau (CFPB) Oppose HR 1116, the TAILOR Act, which imposes hurdles on agencies adopting regulations, and requires them to revisit them, with burdensome requirements that regulations be tailored for different types of institutions, something agencies already take into account. The bill will make it harder to adopt, maintain or defend regulations Oppose HR 3072, the Bureau of Consumer Financial Protection Examination and Reporting Threshold Act of 2017, will eliminate the CFPB's authority to supervise banks from $10 billion to $50 billion, among the largest 2% of banks in the country Clarify and reiterate that we are opposed to S. 2155 and that we do not have a position on an amendment regarding credit scoring to be offered by Senator Scott (SC) to S. 2155 Oppose HR 5266 or any similar bill or amendment which would turn the leadership of the CFPB from a single director into a commission of 5. Oppose mandatory arbitration clauses for investors; support the SEC protecting investors rights to bring securities class action lawsuits Oppose S. J. Res. 57, which disapproves of a CFPB guidance aimed at restricting discrimination in auto lending Support a national cap on interest rates and fees at 36% to eliminate high-cost loans (support HR 3760 / S 1659) Support the amendment offered by Senator Cortez Masto (NV) to S. 2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act to strike section 104 of the legislation. Section 104 is the section which would exempt 85% of depository institutions from full reporting of loan data under the Home Mortgage Disclosure Act (HMDA) Oppose S. 2155, because it does irreparable damage to fair lending protections against racial discrimination; it harms homebuyers; and it contains over two deregulatory provisions of the financial services industry that were put into place after the 2008 global crises Oppose H.R. 5266, the Financial Product Safety Commission Act of 2018 which would change the leadership structure of the CFPB from a single Director to a 5-member commission Oppose requiring the Consumer Financial Protection Bureau (CFPB) to re-evaluate the work of the CFPB Oppose changes to the CFPBs modus operendi that would make it more difficult for the agency to investigate potential violations of law and easier for lawbreakers to hamstring the bureau. Support the regulators preventing high-cost, usurious loans by banks and credit unions-whether short-term, balloon-payment payday loans (which banks sometimes call deposit advance loans) or longer-term high-cost installment loans or lines of credit, and regardless of whether the loans are made by banks directly or through partnerships with non-bank lenders. Oppose banning public access to the CFPB consumer complaint data base Oppose the CFPB revising the rules by which the Bureau brings administrative enforcement actions before Administrative Law Judges. This changes in procedure and the greater application of rules for federal court litigation would likely make it easier for defendants to slow down proceedings and otherwise obstruct the Bureaus enforcement process. Oppose S. 2702, the Business of Insurance Regulatory Reform Act of 2018. The bill limits the Consumer Financial Protection Bureaus (CFPBs) authority to enforce federal consumer financial protection laws against entities that are regulated by a state insurance regulator to the extent such person is engaged in the business of insurance. The bill threatens to have wide-ranging impacts that infringe on the CFPBs core authority to address problems with consumer financial products and services. Support the SEC urging delaying closing the comment period on their Regulation Best Interest regulatory package. Their entire regulatory approach rests on the questionable assumption that their proposed disclosures will enable investors to make an informed choice among different types of providers. Fortunately, they are planning to conduct investor testing of the disclosures, but they are not expected to complete that round of testing until after the comment period is scheduled to close August 7. We therefore support them keeping the comment period open until 90 days after they have completed and published the findings of their disclosure testing. Support the CFPBs current public complaint process Support the retention of the CFPBs inclusive, transparent, evidence-based and comprehensive rulemaking process Oppose riders to the Financial Services / General Government Appropriations bill for 2019 which would deregulate everything from the nations largest banks to high-frequency Wall Street traders to consumer lenders supervised by the Consumer Financial Protection Bureau Support a Community Reinvestment Act (CRA) which retains a local geographical focus; avoids simplistic measures of performance; safeguards vibrant public participation; maintains the importance of bank branches; retains its focus on low- and moderate-individuals and neighborhoods; penalizes, on CRA exams, discrimination and violation of anti-discrimination and pro-consumer laws; takes bank activity to people and communities of color into consideration; does not allow bank mergers after one or both of the banks fail a CRA exam; takes into consideration affiliate activities; recognizes community benefit agreements; and refines CRA rating to be more reflective of a banks activities Oppose the CFPB revisiting or weakening any existing regulations In order to stop abusive debt collection, support the following regulations: limit calls to one a week (with up to three attempted calls); require collectors to obey the consumers oral request to stop calling; ensure that newer communication technologies respect privacy, do not abuse or harass, and comply with the FDCPA; and prohibit the collection of time-barred debt or adopt very strict limits that prohibit suits on revived debt and limit communications to writings that include clear disclosures that the consumer cannot be sued Support the CFPB decision to refrain from revisiting or delaying the prepaid accounts rule (Regulations E and Z) that is scheduled to go into effect in 2019 Support the Consumer Financial Protection Bureaus remittance rule and urge the bureau not to revisit or weaken it. Support the CFPB (1) rescinding the rule permitting high pre-account opening fees on fee harvester cards that evade the CARD Act, (2) rescinding the ability-to-repay rule that permits consumers who do not have income to rely on household income even if they are not legally entitled to access Support that the FHFA (1) direct Fannie and Freddie to develop capital restoration plans, consistent with the capital and leverage standards being developed, and (2) suspend the net worth sweep in order to increase the GSEs capital buffer. Support existing regulations on the Truth in Savings Act, the Expedited Funds Availability Act, and the Fair lending Act and urge the CFPB not to weaken them Support the long-established disparate impact jurisprudence under the Equal Credit Opportunity Act (ECOA). Support the importance of Regulation B and the use of the disparate-impact doctrine in enforcement actions, examinations, and complaint investigations that have ECOA implications The CFPB must not adopt changes to its processes for using civil investigative demands that would hinder or delay its important work addressing potential legal violations. support and vote in favor of amendment #2157 to be offered by Senator Cortez Masto (NV) to S. 2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act to strike section 104 of the legislation. Support HR 2219, the End Banking for Human Traffickers Act

Oppose any riders to Appropriations bill(s) which would place the Consumer Financial Protection Bureau under the appropriations process Oppose the leaked version of a housing finance proposal from U.S. Senators Bob Corker (TN) and Mark Warner (VA) that would severely harm Americas housing market. Our opposition is mainly rooted in the proposals negative impact on access, affordability, and market stability Oppose H.R. 1153-the Mortgage Choice Act of 2018, which creates a loophole that would allow loans with higher costs to the borrower to improperly meet the Qualified Mortgage (QM) standard Oppose S. 2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act. The bill de-regulates the financial service industry by repealing several portions of the 2010 Dodd-Frank Wall Street Reform Act Oppose Section 104 of S. 2155, which requires tiered reporting of information under the Home Mortgage Disclosure Act (HMDA) and will result in the exemption of 85% of depositories from the updated reporting required by the Dodd-Frank Wall Street Reform and Consumer Protection Act Support GSE reform that contains language to: Preserve and Enhance Fair Housing and Anti-Discrimination Protections; Provide Broad Access for Borrowers, Institutions and Regions; Preserve the Systems Affordable Housing Mission, and the Availability of Inclusive Loan Products and Services; and protect taxpayers Oppose any bill or amendment which would cut the salaries of employees of the Consumer Financial Protection Bureau (CFPB) Oppose HR 1116, the TAILOR Act, which imposes hurdles on agencies adopting regulations, and requires them to revisit them, with burdensome requirements that regulations be tailored for different types of institutions, something agencies already take into account. The bill will make it harder to adopt, maintain or defend regulations Oppose HR 3072, the Bureau of Consumer Financial Protection Examination and Reporting Threshold Act of 2017, will eliminate the CFPB's authority to supervise banks from $10 billion to $50 billion, among the largest 2% of banks in the country Clarify and reiterate that we are opposed to S. 2155 and that we do not have a position on an amendment regarding credit scoring to be offered by Senator Scott (SC) to S. 2155 Oppose HR 5266 or any similar bill or amendment which would turn the leadership of the CFPB from a single director into a commission of 5. Oppose S. J. Res. 57, which disapproves of a CFPB guidance aimed at restricting discrimination in auto lending. Support a national cap on interest rates and fees at 36% to eliminate high-cost loans (support HR 3760 / S 1659) Support the amendment offered by Senator Cortez Masto (NV) to S. 2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act to strike section 104 of the legislation. Section 104 is the section which would exempt 85% of depository institutions from full reporting of loan data under the Home Mortgage Disclosure Act (HMDA) Oppose S. 2155, because it does irreparable damage to fair lending protections against racial discrimination; it harms homebuyers; and it contains over two deregulatory provisions of the financial services industry that were put into place after the 2008 global crises Oppose H.R. 5266, the Financial Product Safety Commission Act of 2018 which would change the leadership structure of the CFPB from a single Director to a 5-member commission Oppose requiring the Consumer Financial Protection Bureau (CFPB) to re-evaluate the work of the CFPB Oppose changes to the CFPBs modus operendi that would make it more difficult for the agency to investigate potential violations of law and easier for lawbreakers to hamstring the bureau. Support the regulators preventing high-cost, usurious loans by banks and credit unions-whether short-term, balloon-payment payday loans (which banks sometimes call deposit advance loans) or longer-term high-cost installment loans or lines of credit, and regardless of whether the loans are made by banks directly or through partnerships with non-bank lenders. Oppose banning public access to the CFPB consumer complaint data base Oppose the CFPB revising the rules by which the Bureau brings administrative enforcement actions before Administrative Law Judges. This changes in procedure and the greater application of rules for federal court litigation would likely make it easier for defendants to slow down proceedings and otherwise obstruct the Bureaus enforcement process. Oppose S. 2702, the Business of Insurance Regulatory Reform Act of 2018. The bill limits the Consumer Financial Protection Bureaus (CFPBs) authority to enforce federal consumer financial protection laws against entities that are regulated by a state insurance regulator to the extent such person is engaged in the business of insurance. The bill threatens to have wide-ranging impacts that infringe on the CFPBs core authority to address problems with consumer financial products and services. Support the SEC urging delaying closing the comment period on their Regulation Best Interest regulatory package. Their entire regulatory approach rests on the questionable assumption that their proposed disclosures will enable investors to make an informed choice among different types of providers. Fortunately, they are planning to conduct investor testing of the disclosures, but they are not expected to complete that round of testing until after the comment period is scheduled to close August 7. We therefore support them keeping the comment period open until 90 days after they have completed and published the findings of their disclosure testing. Support the CFPBs current public complaint process Support the retention of the CFPBs inclusive, transparent, evidence-based and comprehensive rulemaking process Oppose riders to the Financial Services / General Government Appropriations bill for 2019 which would deregulate everything from the nations largest banks to high-frequency Wall Street traders to consumer lenders supervised by the Consumer Financial Protection Bureau Support a Community Reinvestment Act (CRA) which retains a local geographical focus; avoids simplistic measures of performance; safeguards vibrant public participation; maintains the importance of bank branches; retains its focus on low- and moderate-individuals and neighborhoods; penalizes, on CRA exams, discrimination and violation of anti-discrimination and pro-consumer laws; takes bank activity to people and communities of color into consideration; does not allow bank mergers after one or both of the banks fail a CRA exam; takes into consideration affiliate activities; recognizes community benefit agreements; and refines CRA rating to be more reflective of a banks activities. Oppose the CFPB revisiting or weakening any existing regulations In order to stop abusive debt collection, support the following regulations: limit calls to one a week (with up to three attempted calls); require collectors to obey the consumers oral request to stop calling; ensure that newer communication technologies respect privacy, do not abuse or harass, and comply with the FDCPA; and prohibit the collection of time-barred debt or adopt very strict limits that prohibit suits on revived debt and limit communications to writings that include clear disclosures that the consumer cannot be sued Support the CFPB decision to refrain from revisiting or delaying the prepaid accounts rule (Regulations E and Z) that is scheduled to go into effect in 2019 Support the Consumer Financial Protection Bureaus remittance rule and urge the bureau not to revisit or weaken it. Support the CFPB (1) rescinding the rule permitting high pre-account opening fees on fee harvester cards that evade the CARD Act, (2) rescinding the ability-to-repay rule that permits consumers who do not have income to rely on household income even if they are not legally entitled to access Support that the FHFA (1) direct Fannie and Freddie to develop capital restoration plans, consistent with the capital and leverage standards being developed, and (2) suspend the net worth sweep in order to increase the GSEs capital buffer. Support existing regulations on the Truth in Savings Act, the Expedited Funds Availability Act, and the Fair lending Acct and urge the CFPB not to weaken them Support the long-established disparate impact jurisprudence under the Equal Credit Opportunity Act (ECOA). Support the importance of Regulation B and the use of the disparate-impact doctrine in enforcement actions, examinations, and complaint investigations that have ECOA implications The CFPB must not adopt changes to its processes for using civil investigative demands that would hinder or delay its important work addressing potential legal violations. support and vote in favor of amendment #2157 to be offered by Senator Cortez Masto (NV) to S. 2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act to strike section 104 of the legislation. Support HR 2219, the End Banking for Human Traffickers Act

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

H.J.Res.132 - 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 "Indirect Auto Lending and Compliance with the Equal Credit Opportunity Act". S.J.Res.57 - A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Indirect Auto Lending and Compliance with the Equal Credit Opportunity Act". H.R.4439 - Modernizing Credit Opportunities Act S.2155 - Economic Growth, Regulatory Relief, and Consumer Protection Act H.R.1116 - TAILOR Act of 2017 H.R.3072 - Bureau of Consumer Financial Protection Examination and Reporting Threshold Act of 2017 H.R.4508 - PROSPER Act H.R.4550 - Practice of Law Technical Clarification Act of 2017 H.R.5082 - Practice of Law Technical Clarification Act of 2018 H.R.3299 - Protecting Consumers' Access to Credit Act of 2017 S.1642 - Protecting Consumers' Access to Credit Act of 2017 H.R.4861 - EQUAL Act of 2018 H.R.3760 - Protecting Consumers from Unreasonable Credit Rates Act of 2017 S.1659 - Protecting Consumers from Unreasonable Credit Rates Act of 2017

Client expense: $100,000 · Firm income: Not reported

Government targets: 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

Oppose HR 4550, which would exempt attorneys engaged in a lawsuits from the Fair Debt Collection Act Oppose any riders to Appropriations bill(s) which would place the Consumer Financial Protection Bureau under the appropriations process Oppose the leaked version of a housing finance proposal from U.S. Senators Bob Corker (TN) and Mark Warner (VA) that would severely harm Americas housing market. Our opposition is mainly rooted in the proposals negative impact on access, affordability, and market stability Oppose H.R. 1153-the Mortgage Choice Act of 2018, which creates a loophole that would allow loans with higher costs to the borrower to improperly meet the Qualified Mortgage (QM) standard Support Senator Merkleys Stopping Abuse and Fraud in Electronic Lending (SAFE) Act of 2018, which will help safeguard consumers and law-abiding lenders from abuses rampant today in consumer lending Oppose S. 2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act. The bill de-regulates the financial service industry by repealing several portions of the 2010 Dodd-Frank Wall Street Reform Act Oppose Section 104 of S. 2155, which requires tiered reporting of information under the Home Mortgage Disclosure Act (HMDA) and will result in the exemption of 85% of depositories from the updated reporting required by the Dodd-Frank Wall Street Reform and Consumer Protection Act Support the FDICs proposals to changes to its policies governing the circumstances under which FDIC-regulated banks may hire people with prior criminal histories, with suggestions to improve / strengthen the proposal Support GSE reform that contains language to: Preserve and Enhance Fair Housing and Anti-Discrimination Protections; Provide Broad Access for Borrowers, Institutions and Regions; Preserve the Systems Affordable Housing Mission, and the Availability of Inclusive Loan Products and Services; and protect taxpayers Oppose any bill or amendment which would cut the salaries of employees of the Consumer Financial Protection Bureau (CFPB) Oppose HR 5028, which would exempt attorneys engaged in a lawsuits from the Fair Debt Collection Act. Oppose HR 1116, the TAILOR Act, which imposes hurdles on agencies adopting regulations, and requires them to revisit them, with burdensome requirements that regulations be tailored for different types of institutions, something agencies already take into account. The bill will make it harder to adopt, maintain or defend regulations Oppose HR 3072, the Bureau of Consumer Financial Protection Examination and Reporting Threshold Act of 2017, will eliminate the CFPB's authority to supervise banks from $10 billion to $50 billion, among the largest 2% of banks in the country Support amendment by Senators Durbin, Reed, Warren, Brown, Duckworth, Baldwin, Hassan, VanHollen, Murry, and Blumenthal to S. 2155. The Durbin, et.al. amendment would improve consumer protections for federal and private student loans Clarify and reiterate that we are opposed to S. 2155 and that we do not have a position on an amendment regarding credit scoring to be offered by Senator Scott (SC) to S. 2155 Oppose HR 5266 or any similar bill or amendment which would turn the leadership of the CFPB from a single director into a commission of 5. Oppose mandatory arbitration clauses for investors; support the SEC protecting investors rights to bring securities class action lawsuits Oppose S. J. Res. 57, which disapproves of a CFPB guidance aimed at restricting discrimination in auto lending Support a national cap on interest rates and fees at 36% to eliminate high-cost loans (support HR 3760 / S 1659) Support the amendment offered by Senator Cortez Masto (NV) to S. 2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act to strike section 104 of the legislation. Section 104 is the section which would exempt 85% of depository institutions from full reporting of loan data under the Home Mortgage Disclosure Act (HMDA) Oppose S. 2155, because it does irreparable damage to fair lending protections against racial discrimination; it harms homebuyers; and it contains over two deregulatory provisions of the financial services industry that were put into place after the 2008 global crises

Oppose HR 4550, which would exempt attorneys engaged in a lawsuits from the Fair Debt Collection Act. Oppose any riders to Appropriations bill(s) which would place the Consumer Financial Protection Bureau under the appropriations process Oppose the leaked version of a housing finance proposal from U.S. Senators Bob Corker (TN) and Mark Warner (VA) that would severely harm Americas housing market. Our opposition is mainly rooted in the proposals negative impact on access, affordability, and market stability Oppose H.R. 1153-the Mortgage Choice Act of 2018, which creates a loophole that would allow loans with higher costs to the borrower to improperly meet the Qualified Mortgage (QM) standard Support Senator Merkleys Stopping Abuse and Fraud in Electronic Lending (SAFE) Act of 2018, which will help safeguard consumers and law-abiding lenders from abuses rampant today in consumer lending Oppose S. 2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act. The bill de-regulates the financial service industry by repealing several portions of the 2010 Dodd-Frank Wall Street Reform Act Oppose Section 104 of S. 2155, which requires tiered reporting of information under the Home Mortgage Disclosure Act (HMDA) and will result in the exemption of 85% of depositories from the updated reporting required by the Dodd-Frank Wall Street Reform and Consumer Protection Act Support the FDICs proposals to changes to its policies governing the circumstances under which FDIC-regulated banks may hire people with prior criminal histories, with suggestions to improve / strengthen the proposal Support GSE reform that contains language to: Preserve and Enhance Fair Housing and Anti-Discrimination Protections; Provide Broad Access for Borrowers, Institutions and Regions; Preserve the Systems Affordable Housing Mission, and the Availability of Inclusive Loan Products and Services; and protect taxpayers Oppose any bill or amendment which would cut the salaries of employees of the Consumer Financial Protection Bureau (CFPB) Oppose HR 5028, which would exempt attorneys engaged in a lawsuits from the Fair Debt Collection Act. Oppose HR 1116, the TAILOR Act, which imposes hurdles on agencies adopting regulations, and requires them to revisit them, with burdensome requirements that regulations be tailored for different types of institutions, something agencies already take into account. The bill will make it harder to adopt, maintain or defend regulations Oppose HR 3072, the Bureau of Consumer Financial Protection Examination and Reporting Threshold Act of 2017, will eliminate the CFPB's authority to supervise banks from $10 billion to $50 billion, among the largest 2% of banks in the country Support amendment by Senators Durbin, Reed, Warren, Brown, Duckworth, Baldwin, Hassan, VanHollen, Murry, and Blumenthal to S. 2155. The Durbin, et.al. amendment would improve consumer protections for federal and private student loans Clarify and reiterate that we are opposed to S. 2155 and that we do not have a position on an amendment regarding credit scoring to be offered by Senator Scott (SC) to S. 2155 Oppose HR 5266 or any similar bill or amendment which would turn the leadership of the CFPB from a single director into a commission of 5. Oppose mandatory arbitration clauses for investors; support the SEC protecting investors rights to bring securities class action lawsuits. Oppose S. J. Res. 57, which disapproves of a CFPB guidance aimed at restricting discrimination in auto lending. Support a national cap on interest rates and fees at 36% to eliminate high-cost loans (support HR 3760 / S 1659) Support the amendment offered by Senator Cortez Masto (NV) to S. 2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act to strike section 104 of the legislation. Section 104 is the section which would exempt 85% of depository institutions from full reporting of loan data under the Home Mortgage Disclosure Act (HMDA) Oppose S. 2155, because it does irreparable damage to fair lending protections against racial discrimination; it harms homebuyers; and it contains over two deregulatory provisions of the financial services industry that were put into place after the 2008 global crises

Bills in the Senate: S. 708 Regulatory Improvement Act S. 774 Financial Institutions Examination Fairness and Reform Act S. 1484 Financial Regulatory Improvement Act of 2015 S. 1491 Community Lender Regulatory Relief and Consumer Protection Act of 2015 S. 1607 the Independent Agency Regulatory Analysis Act of 2015 S. 1647 Developing a Reliable and Innovative Vision for the Economy Act S. 1773 Consumer Reporting Fairness Act of 2015 S. 1818 Principled Rulemaking Act S. 1820 Early Participation in Regulations Act S. 1817 Smarter Regulations Through Advance Planning and Review Act S. 1958 Christopher Bryski Student Loan Protection Act S. 2038 Jumpstart GSE reform Act S. 2050 Private Education Loan Refinancing Act S. 2387 Commerce, Justice, Science, and Related Agencies Appropriations Act, FY2017 Senate Appropriations on Financial Services and General Government appropriations bill FY2017 S. 2663 Reforming CFPB Indirect Auto Financing Guidance Act S.J. Res. 19 - A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act. (CRA) S. 552: Justice for Victims of Fraud Act S. 537: Arbitration Fairness Act S. 550: Restoring Statutory Rights and Interests of the States Act S. 553: Court Legal Access and Student Support (CLASS) Act S. 647: Mandatory Arbitration Transparency Act S. 646: Justice for Servicemembers Act S.951 - Regulatory Accountability Act of 2017 S. 1642, Protecting Consumers Access to Credit Act of 2017 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 S.2155, Economic Growth, Regulatory Relief, and Consumer Protection Act S.J.Res. 56 - 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 "Payday, Vehicle, Title, and Certain High-Cost Installment Loans (Payday CRA) 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 (Auto CRA) Bills in the House: H.R. 4 Jobs for America Act H.R. 37 Promoting Job Creation and Reducing Small Business Burdens Act H.R. 50 Unfunded Mandates Information and Transparency Act of 2015 H.R. 113 Federal Reserve Accountability and Transparency Act of 2015 H.R. 185 The Regulatory Accountability Act H.R. 347 Facilitating Access to Credit Act H.R. 367 Regulations from the Executive in Need of Scrutiny (REINS) Act H.R. 427 Regulations from the Executive in Need of Scrutiny Act of 2015 H.R. 527 Small Business Regulatory Flexibility Improvements Act of 2015 H.R. 650 Preserving Access to Manufactured Housing Act of 2015 H.R. 685 Mortgage Choice Act of 2015 H.R. 766 Financial Institution Customer Protection Act of 2015 H.R. 899 Unfunded Mandates Information and Transparency Act H.R. 957 CFPB IG act of 2015 H.R. 1090 Retail Investor Protection Act H.R. 1195 Bureau of Consumer Financial Protection Advisory Boards Act H.R. 1210 Portfolio Lending and Mortgage Access Act H.R. 1259 Helping Expand Lending Practices in Rural Communities Act H.R. 1261 Bureau of Consumer Financial Protection Accountability Act of 2015 H.R. 1264, Community Financial Institution Exemption Act H.R. 1265 Bureau Advisory Commission Transparency Act H.R. 1266 Financial Product Safety Commission Act of 2015 H.R. 1413 Firearms Manufacturers and Dealers Protection Act of 2015 H.R. 1493 Sunshine for Regulatory Decrees and Settlements Act H.R. 1529 the Community Institution Mortgage Relief Act H.R. 1553 Small Bank Exam Cycle Reform Act of 2015 H.R. 1660 Federal Saving Association Charter Flexibility Act of 2015 H.R. 1737 Reforming CFPB Indirect Auto Financing Guidance Act H.R. 1799 Ensure Fair Prices in Title Insurance Act H.R. 1941 Financial Institutions Examination Fairness and Reform Act H.R. 2213 To provide for a temporary safe harbor from the enforcement of integrated disclosure requirements for mortgage loan transactions under the Real Estate Settlement Procedures Act of 1974 and the Truth in Lending Act, and for other purposes. H.R. 2029 and related amendments Consolidated Appropriations Act of 2016 H.R. 2243 Equity in Government Compensation Act of 201 H.R. 2354 Streamlining Excessive and Costly Regulations Review Act H.R. 4294 -SAVERS Act of 2015 H.R. 2542 Regulatory Flexibility Improvements Act H.R. 2683, the Protecting Veterans Credit Act of 2017 H.R. 2577 Transportation, Housing and Urban Development, and Related Agencies Appropriations Act, 2016 H.R. 2804 Achieving Less Excess in Regulation and Requiring Transparency (ALERRT) Act (H.R. 2804). H.R. 3035 Credit Access and Inclusion Act H.R. 3189 FORM Act of 2015 H.R. 3192 Homebuyers Assistance Act H.R. 3438 REVIEW Act H.R. 3634 Student Loan Debt Protection Act H.R. 4018 Consumer Protection and Choice Act H.R. 4293 Affordable Retirement Advice Protection Act H.R. 4439 Modernizing Credit Opportunities Act H.R. 4550, the Practice of Law Technical Clarification Act H.R. 4648, the Home Mortgage Reporting Relief Act of 2017 H.R. 4725, the Community Bank Reporting Relief Act H.R. 4768 The Separation of Powers Restoration Act, 2016 H.R. 4986 End Operation Choke Point Act of 2014 H.R. 5143 The International Insurance Standards Act H.R. 5485 The "Financial Services and General Government Appropriations Act, 2017 H.R. 5982 Midnight Rules Relief Act of 2016 Fiscal Year 2016 spending bills for the Department of Justice (CJS) and the Department of Housing and Urban Development (THUD) Fiscal Year 2017 Commerce, Justice, Science Funding Bill H.R. 21 -Midnight Rules Relief Act of 2017 H.R. 26 -Executive Need of Scrutiny Act of 2017 (REINS Act) H.R. 5 -Regulatory Accountability Act of 2017 (RAA) 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: Justice for Victims of Fraud Act H.R. 1374: Arbitration Fairness Act H.R. 1396: Restoring Statutory Rights and Interests of the States Act H.R. 985: The Fairness in Class Action Litigation Act of 2017 H.R. 585: Investor Choice Act of 2017 H.R. 864, (Rep. Love), the Stop Debt Collection Abuse Act of 2017 H.R. 924, (Rep. Rothfus), the Financial Institutions Due Process Act of 2017 H.R. 1457, (Rep. Tipton), the Making Online Banking Initiation Legal and Easy Act of 2017 H.R. 2133, (Rep. Luetkemeyer), the Community Lending Enhancement and Regulatory Relief Act of 2017 (CLEARR act) H.R. 2148, (Rep. Pittenger), the Clarifying Commercial Real Estate Loans H.R. 2226, (Rep. Barr), the Portfolio Lending and Mortgage Access Act H.R. 2396, (Rep. Trott), the Privacy Notification Technical Correction Act H.R. 3221, (Rep. Kustoff), the Access to Affordable Mortgages Act of 2017 H.R. ____, (Rep. Hollingsworth), the Ensuring Quality Unbiased Access to Loans Act of 2017 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 H.R. 1699, Preserving Access to Manufactured Housing Act of 2017 H.R. 2954, Home Mortgage Disclosure Adjustment Act H.R. 3299, Protecting Consumers Access to Credit Act of 2017 H.R. 3791, Community Institution Mortgage Relief Act of 2017 H.J.Res.111, 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" H.R. 3760, the Protecting Consumers from Unreasonable Credit Rates Act H.R. 1153, the Mortgage Choice Act H.R. 3978, the TRID Improvement Act H.J.Res. 122 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 "Payday, Vehicle Title, and Certain High-Cost Installment Loans". Under Discussion: A bill to reform Government-Sponsored Enterprises (GSE Reform) A bill to provide consumer protections for overdraft fees A bill to provide consumer protections in auto lending Amendments and riders to appropriations bills House Bill re: Non-profit CDFI Depository Bank Expansion House Bill, Chairman Hensarling discussion draft, The Financial Choice Act House Bill, Rep. Pearce Seller Finance and Balloon Loans Senate and House - Updates to the Stopping Abuse and Fraud in Electronic (SAFE) Lending Act Senate and House -Updates to the Secure and Fair Enforcement for Mortgage Licensing Act (also SAFE act) Senate - Senator Durbins usury rate cap bill (unintroduced at this time)

Bills in the Senate: S. 708 Regulatory Improvement Act S. 774 Financial Institutions Examination Fairness and Reform Act S. 1484 Financial Regulatory Improvement Act of 2015 S. 1491 Community Lender Regulatory Relief and Consumer Protection Act of 2015 S. 1607 the Independent Agency Regulatory Analysis Act of 2015 S. 1647 Developing a Reliable and Innovative Vision for the Economy Act S. 1773 Consumer Reporting Fairness Act of 2015 S. 1818 Principled Rulemaking Act S. 1820 Early Participation in Regulations Act S. 1817 Smarter Regulations Through Advance Planning and Review Act S. 1958 Christopher Bryski Student Loan Protection Act S. 2038 Jumpstart GSE reform Act S. 2050 Private Education Loan Refinancing Act S. 2387 Commerce, Justice, Science, and Related Agencies Appropriations Act, FY2017 Senate Appropriations on Financial Services and General Government appropriations bill FY2017 S. 2663 Reforming CFPB Indirect Auto Financing Guidance Act S.J. Res. 19 - A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act. (CRA) S. 552: Justice for Victims of Fraud Act S. 537: Arbitration Fairness Act S. 550: Restoring Statutory Rights and Interests of the States Act S. 553: Court Legal Access and Student Support (CLASS) Act S. 647: Mandatory Arbitration Transparency Act S. 646: Justice for Servicemembers Act S.951 - Regulatory Accountability Act of 2017 S. 1642, Protecting Consumers Access to Credit Act of 2017 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 S.2155, Economic Growth, Regulatory Relief, and Consumer Protection Act Bills in the House: H.R. 4 Jobs for America Act H.R. 37 Promoting Job Creation and Reducing Small Business Burdens Act H.R. 50 Unfunded Mandates Information and Transparency Act of 2015 H.R. 113 Federal Reserve Accountability and Transparency Act of 2015 H.R. 185 The Regulatory Accountability Act H.R. 347 Facilitating Access to Credit Act H.R. 367 Regulations from the Executive in Need of Scrutiny (REINS) Act H.R. 427 Regulations from the Executive in Need of Scrutiny Act of 2015 H.R. 527 Small Business Regulatory Flexibility Improvements Act of 2015 H.R. 650 Preserving Access to Manufactured Housing Act of 2015 H.R. 685 Mortgage Choice Act of 2015 H.R. 766 Financial Institution Customer Protection Act of 2015 H.R. 899 Unfunded Mandates Information and Transparency Act H.R. 957 CFPB IG act of 2015 H.R. 1090 Retail Investor Protection Act H.R. 1195 Bureau of Consumer Financial Protection Advisory Boards Act H.R. 1210 Portfolio Lending and Mortgage Access Act H.R. 1259 Helping Expand Lending Practices in Rural Communities Act H.R. 1261 Bureau of Consumer Financial Protection Accountability Act of 2015 H.R. 1264, Community Financial Institution Exemption Act H.R. 1265 Bureau Advisory Commission Transparency Act H.R. 1266 Financial Product Safety Commission Act of 2015 H.R. 1413 Firearms Manufacturers and Dealers Protection Act of 2015 H.R. 1493 Sunshine for Regulatory Decrees and Settlements Act H.R. 1529 the Community Institution Mortgage Relief Act H.R. 1553 Small Bank Exam Cycle Reform Act of 2015 H.R. 1660 Federal Saving Association Charter Flexibility Act of 2015 H.R. 1737 Reforming CFPB Indirect Auto Financing Guidance Act H.R. 1799 Ensure Fair Prices in Title Insurance Act H.R. 1941 Financial Institutions Examination Fairness and Reform Act H.R. 2213 To provide for a temporary safe harbor from the enforcement of integrated disclosure requirements for mortgage loan transactions under the Real Estate Settlement Procedures Act of 1974 and the Truth in Lending Act, and for other purposes. H.R. 2029 and related amendments Consolidated Appropriations Act of 2016 H.R. 2243 Equity in Government Compensation Act of 201 H.R. 2354 Streamlining Excessive and Costly Regulations Review Act H.R. 4294 -SAVERS Act of 2015 H.R. 2542 Regulatory Flexibility Improvements Act H.R. 2683, the Protecting Veterans Credit Act of 2017 H.R. 2577 Transportation, Housing and Urban Development, and Related Agencies Appropriations Act, 2016 H.R. 2804 Achieving Less Excess in Regulation and Requiring Transparency (ALERRT) Act (H.R. 2804). H.R. 3035 Credit Access and Inclusion Act H.R. 3189 FORM Act of 2015 H.R. 3192 Homebuyers Assistance Act H.R. 3438 REVIEW Act H.R. 3634 Student Loan Debt Protection Act H.R. 4018 Consumer Protection and Choice Act H.R. 4293 Affordable Retirement Advice Protection Act H.R. 4550, the Practice of Law Technical Clarification Act H.R. 4648, the Home Mortgage Reporting Relief Act of 2017 H.R. 4725, the Community Bank Reporting Relief Act H.R. 4768 The Separation of Powers Restoration Act, 2016 H.R. 4986 End Operation Choke Point Act of 2014 H.R. 5143 The International Insurance Standards Act H.R. 5485 The "Financial Services and General Government Appropriations Act, 2017 H.R. 5982 Midnight Rules Relief Act of 2016 Fiscal Year 2016 spending bills for the Department of Justice (CJS) and the Department of Housing and Urban Development (THUD) Fiscal Year 2017 Commerce, Justice, Science Funding Bill H.R. 21 -Midnight Rules Relief Act of 2017 H.R. 26 -Executive Need of Scrutiny Act of 2017 (REINS Act) H.R. 5 -Regulatory Accountability Act of 2017 (RAA) 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: Justice for Victims of Fraud Act H.R. 1374: Arbitration Fairness Act H.R. 1396: Restoring Statutory Rights and Interests of the States Act H.R. 985: The Fairness in Class Action Litigation Act of 2017 H.R. 585: Investor Choice Act of 2017 H.R. 864, (Rep. Love), the Stop Debt Collection Abuse Act of 2017 H.R. 924, (Rep. Rothfus), the Financial Institutions Due Process Act of 2017 H.R. 1457, (Rep. Tipton), the Making Online Banking Initiation Legal and Easy Act of 2017 H.R. 2133, (Rep. Luetkemeyer), the Community Lending Enhancement and Regulatory Relief Act of 2017 (CLEARR act) H.R. 2148, (Rep. Pittenger), the Clarifying Commercial Real Estate Loans H.R. 2226, (Rep. Barr), the Portfolio Lending and Mortgage Access Act H.R. 2396, (Rep. Trott), the Privacy Notification Technical Correction Act H.R. 3221, (Rep. Kustoff), the Access to Affordable Mortgages Act of 2017 H.R. ____, (Rep. Hollingsworth), the Ensuring Quality Unbiased Access to Loans Act of 2017 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 H.R. 1699, Preserving Access to Manufactured Housing Act of 2017 H.R. 2954, Home Mortgage Disclosure Adjustment Act H.R. 3299, Protecting Consumers Access to Credit Act of 2017 H.R. 3791, Community Institution Mortgage Relief Act of 2017 H.J.Res.111, 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" H.R. 3760, the Protecting Consumers from Unreasonable Credit Rates Act H.R. 1153, the Mortgage Choice Act H.R. 3978, the TRID Improvement Act H.J.Res. 122 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 "Payday, Vehicle Title, and Certain High-Cost Installment Loans". Under Discussion: A bill to reform Government-Sponsored Enterprises (GSE Reform) A bill to provide consumer protections for overdraft fees A bill to provide consumer protections in auto lending Amendments and riders to appropriations bills House Bill re: Non-profit CDFI Depository Bank Expansion House Bill, Chairman Hensarling discussion draft, The Financial Choice Act House Bill, Rep. Pearce Seller Finance and Balloon Loans Senate and House - Updates to the Stopping Abuse and Fraud in Electronic (SAFE) Lending Act Senate and House -Updates to the Secure and Fair Enforcement for Mortgage Licensing Act (also SAFE act) Senate - Senator Durbins usury rate cap bill (unintroduced at this time)

Support the Consumer Financial Protection Bureau (CFPB); support the CFPBs rule prohibiting forced arbitration; support consumers being able to enact free credit freezes; oppose federal legislation to preempt state laws which may be stronger regarding breach laws (oppose HR 2359); support federal reform of credit bureaus ad credit reporting agencies (support HR 3755 and S1786) Oppose OCC rescission of its 2013 bank payday guidance Oppose HR 1116 (the TAILOR Act) , which would force consumer and financial regulators to prioritize costs to Wall Street over benefits to the public before taking any action to control financial abuses, and empower Wall Street to overturn current and future consumer protections in court; Oppose HR 3072, which would remove two-thirds of the large banks currently examined by the Consumer Financial Protection Bureau from CFPB supervision, removing over $1 trillion in assets from CFPB oversight; Oppose HR 3312, which would place unprecedented restraints on the capacity of the Federal Reserve to perform safety and soundness supervision of some of the largest banks in the country; Oppose HR 3857 would eliminate the Department of Labors new rules protecting ordinary investors from exploitation by conflicted investment advisors, which have been estimated to save working families tens of billions of dollars a year in savings. Oppose HR 3229 would make it easier for predatory high-cost lenders to use rent-a-bank arrangements to evade state usury laws that limit high interest rates. Oppose HR 3948 which would prevent the SEC from fully investigating high-frequency trading practices that could crash markets. Oppose HR 3911 which would significantly weaken oversight of the big rating agencies who prior to the financial crisis certified trillions of dollars of worthless mortgage-backed securities as safe for investors. Oppose HR 1699 which would remove key consumer protections for buyers of manufactured homes, rendering them more vulnerable to predatory lending. Oppose HR 2706 which would place major new barriers on the ability of banking regulators to advise financial institutions of warning signs that their customers are engaged in money laundering, illegal activity, or fraudulent practices that give scammers access to bank accounts. Oppose HR 2954 which would nearly quadruple the number of banks exempted from key mortgage disclosures designed to detect predatory and discriminatory lending, leading to 5,400 banks being exempted as well as an additional 487 non-banks. Oppose HR 2201 which would create a new class of microcap securities that could be traded without any oversight from the Securities and Exchange Commission or state regulators - securities that would almost certainly become a haven for fraud. Oppose HR 2121 and HR 2148 which micromanage regulators by forcing them to grant significant new exemptions from rules designed to prevent risky banking and lending practices. Support Janet Yellens re-appointment as Chair of the Federal Reserve. Oppose Federal Reserve Board of Governors nominees who have criticized the Feds full employment mandate and called for its elimination or deprioritization; seek to constrain job growth by advocating for the Fed to follow a strict, rules-based approach to monetary policy (e.g. the Taylor Rule, which economists estimate would have cost 2.5 million jobs had it been in effect in the Fed over the past five years); have a track record of advocating for reduced support for the economy even during the depths of the Great Recession; would unwind the financial protections enacted by Yellen and her peers. Support Leandra English to be the Acting Director of the CFPB; not Mick Mulvaney Oppose HR 1699, a bill which would remove key consumer protections for buyers of manufactured homes Support the FAIR RATES Act of 2017 (The Fair Auto Insurance Ratemaking Reporting to Allow a Transparent Evaluation of Statistics) Oppose H.R. 2570, the Mortgage Fairness Act of 2017, which removes yield spread premiums from points and fees Oppose H.R. 3971, the Community Institution Mortgage Relief Act which creates loopholes for abuse by rolling back essential consumer protections. Strengthen the Community Reinvestment Act (CRA) by: expanding CRA to non-banks; designate areas outside of branch networks with high volumes of loans as assessment areas; retain and do not in any way reduce the Intermediate Small Bank category; encourage large banks to be more efficient and devote more staff resources for CRA exams; standardize CRA exam methodology and format; execute merger application process; credit should be given for community development loans and investments outside assessment areas. Oppose H.J.Res. 122, which uses the Congressional Review Act to nullify the CFPBs proposed payday lending rule. Support Government Sponsored Enterprise (GSE) legislation which promotes homeownership among low and moderate income Americans and Americans of color Oppose H.R. 3299, the Protecting Consumers' Access to Credit Act of 2017, which allows smaller institutions to skirt usury limits enacted by states to protect consumers from egregious profit seekers by using federal charters, hoping to make money from those who can often least afford it. Support as S. 1659 / H.R. 3760, the Protecting Consumers from Unreasonable Credit Rates Act, which establishes a cap interest rates on consumer loans at 36% annually Oppose H Con Res 111, legislation which uses the CRA to repeal the CFPB's rule banning mandatory arbitration by financial servicers. Support the proposed rule issued by the Consumer Financial Protection Bureau to reign in the most abusive predatory short-term loan abuses.

Support the Consumer Financial Protection Bureau (CFPB); support the CFPBs rule prohibiting forced arbitration; support consumers being able to enact free credit freezes; oppose federal legislation to preempt state laws which may be stronger regarding breach laws (oppose HR 2359); support federal reform of credit bureaus ad credit reporting agencies (support HR 3755 and S1786) Oppose OCC rescission of its 2013 bank payday guidance Oppose HR 1116 (the TAILOR Act) , which would force consumer and financial regulators to prioritize costs to Wall Street over benefits to the public before taking any action to control financial abuses, and empower Wall Street to overturn current and future consumer protections in court; Oppose HR 3072, which would remove two-thirds of the large banks currently examined by the Consumer Financial Protection Bureau from CFPB supervision, removing over $1 trillion in assets from CFPB oversight; Oppose HR 3312, which would place unprecedented restraints on the capacity of the Federal Reserve to perform safety and soundness supervision of some of the largest banks in the country; Oppose HR 3857 would eliminate the Department of Labors new rules protecting ordinary investors from exploitation by conflicted investment advisors, which have been estimated to save working families tens of billions of dollars a year in savings. Oppose HR 3229 would make it easier for predatory high-cost lenders to use rent-a-bank arrangements to evade state usury laws that limit high interest rates. Oppose HR 3948 which would prevent the SEC from fully investigating high-frequency trading practices that could crash markets. Oppose HR 3911 which would significantly weaken oversight of the big rating agencies who prior to the financial crisis certified trillions of dollars of worthless mortgage-backed securities as safe for investors. Oppose HR 1699 which would remove key consumer protections for buyers of manufactured homes, rendering them more vulnerable to predatory lending. Oppose HR 2706 which would place major new barriers on the ability of banking regulators to advise financial institutions of warning signs that their customers are engaged in money laundering, illegal activity, or fraudulent practices that give scammers access to bank accounts. Oppose HR 2954 which would nearly quadruple the number of banks exempted from key mortgage disclosures designed to detect predatory and discriminatory lending, leading to 5,400 banks being exempted as well as an additional 487 non-banks. Oppose HR 2201 which would create a new class of microcap securities that could be traded without any oversight from the Securities and Exchange Commission or state regulators - securities that would almost certainly become a haven for fraud. Oppose HR 2121 and HR 2148 which micromanage regulators by forcing them to grant significant new exemptions from rules designed to prevent risky banking and lending practices. Support Janet Yellens re-appointment as Chair of the Federal Reserve. Oppose Federal Reserve Board of Governors nominees who have criticized the Feds full employment mandate and called for its elimination or deprioritization; seek to constrain job growth by advocating for the Fed to follow a strict, rules-based approach to monetary policy (e.g. the Taylor Rule, which economists estimate would have cost 2.5 million jobs had it been in effect in the Fed over the past five years); have a track record of advocating for reduced support for the economy even during the depths of the Great Recession; would unwind the financial protections enacted by Yellen and her peers. Oppose HR 1699, a bill which would remove key consumer protections for buyers of manufactured home Support Leandra English to be the Acting Director of the CFPB; not Mick Mulvaney Support the FAIR RATES Act of 2017 (The Fair Auto Insurance Ratemaking Reporting to Allow a Transparent Evaluation of Statistics) Oppose H.R. 2570, the Mortgage Fairness Act of 2017, which removes yield spread premiums from points and fees Oppose H.R. 3971, the Community Institution Mortgage Relief Act which creates loopholes for abuse by rolling back essential consumer protections. Strengthen the Community Reinvestment Act (CRA) by: expanding CRA to non-banks; designate areas outside of branch networks with high volumes of loans as assessment areas; retain and do not in any way reduce the Intermediate Small Bank category; encourage large banks to be more efficient and devote more staff resources for CRA exams; standardize CRA exam methodology and format; execute merger application process; credit should be given for community development loans and investments outside assessment areas. Oppose H.J.Res. 122, which uses the Congressional Review Act to nullify the CFPBs proposed payday lending rule. Support Government Sponsored Enterprise (GSE) legislation which promotes homeownership among low and moderate income Americans and Americans of color Oppose H.R. 3299, the Protecting Consumers' Access to Credit Act of 2017 which allows smaller institutions to skirt usury limits enacted by states to protect consumers from egregious profit seekers by using federal charters, hoping to make money from those who can often least afford it. Support as S. 1659 / H.R. 3760, the Protecting Consumers from Unreasonable Credit Rates Act, which establishes a cap interest rates on consumer loans at 36% annually Oppose H Con Res 111, legislation which uses the CRA to repeal the CFPB's rule banning mandatory arbitration by financial servicers. Support the proposed rule issued by the Consumer Financial Protection Bureau to reign in the most abusive predatory short-term loan abuses.

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 Issues related to Internal Revenue Service

Bills in the Senate: S. 708 Regulatory Improvement Act S. 774 Financial Institutions Examination Fairness and Reform Act S. 1484 Financial Regulatory Improvement Act of 2015 S. 1491 Community Lender Regulatory Relief and Consumer Protection Act of 2015 S. 1607 the Independent Agency Regulatory Analysis Act of 2015 S. 1647 Developing a Reliable and Innovative Vision for the Economy Act S. 1773 Consumer Reporting Fairness Act of 2015 S. 1818 Principled Rulemaking Act S. 1820 Early Participation in Regulations Act S. 1817 Smarter Regulations Through Advance Planning and Review Act S. 1958 Christopher Bryski Student Loan Protection Act S. 2038 Jumpstart GSE reform Act S. 2050 Private Education Loan Refinancing Act S. 2387 Commerce, Justice, Science, and Related Agencies Appropriations Act, FY2017 Senate Appropriations on Financial Services and General Government appropriations bill FY2017 S. 2663 Reforming CFPB Indirect Auto Financing Guidance Act S.J. Res. 19 - A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act. (CRA) S. 552: Justice for Victims of Fraud Act S. 537: Arbitration Fairness Act S. 550: Restoring Statutory Rights and Interests of the States Act S. 553: Court Legal Access and Student Support (CLASS) Act S. 647: Mandatory Arbitration Transparency Act S. 646: Justice for Servicemembers Act S.951 - Regulatory Accountability Act of 2017 S. 1642, Protecting Consumers Access to Credit Act of 2017 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 Bills in the House: H.R. 4 Jobs for America Act H.R. 37 Promoting Job Creation and Reducing Small Business Burdens Act H.R. 50 Unfunded Mandates Information and Transparency Act of 2015 H.R. 113 Federal Reserve Accountability and Transparency Act of 2015 H.R. 185 The Regulatory Accountability Act H.R. 347 Facilitating Access to Credit Act H.R. 367 Regulations from the Executive in Need of Scrutiny (REINS) Act H.R. 427 Regulations from the Executive in Need of Scrutiny Act of 2015 H.R. 527 Small Business Regulatory Flexibility Improvements Act of 2015 H.R. 650 Preserving Access to Manufactured Housing Act of 2015 H.R. 685 Mortgage Choice Act of 2015 H.R. 766 Financial Institution Customer Protection Act of 2015 H.R. 899 Unfunded Mandates Information and Transparency Act H.R. 957 CFPB IG act of 2015 H.R. 1090 Retail Investor Protection Act H.R. 1195 Bureau of Consumer Financial Protection Advisory Boards Act H.R. 1210 Portfolio Lending and Mortgage Access Act H.R. 1259 Helping Expand Lending Practices in Rural Communities Act H.R. 1261 Bureau of Consumer Financial Protection Accountability Act of 2015 H.R. 1265 Bureau Advisory Commission Transparency Act H.R. 1266 Financial Product Safety Commission Act of 2015 H.R. 1413 Firearms Manufacturers and Dealers Protection Act of 2015 H.R. 1493 Sunshine for Regulatory Decrees and Settlements Act H.R. 1529 the Community Institution Mortgage Relief Act H.R. 1553 Small Bank Exam Cycle Reform Act of 2015 H.R. 1660 Federal Saving Association Charter Flexibility Act of 2015 H.R. 1737 Reforming CFPB Indirect Auto Financing Guidance Act H.R. 1799 Ensure Fair Prices in Title Insurance Act H.R. 1941 Financial Institutions Examination Fairness and Reform Act H.R. 2213 To provide for a temporary safe harbor from the enforcement of integrated disclosure requirements for mortgage loan transactions under the Real Estate Settlement Procedures Act of 1974 and the Truth in Lending Act, and for other purposes. H.R. 2029 and related amendments Consolidated Appropriations Act of 2016 H.R. 2243 Equity in Government Compensation Act of 201 H.R. 2354 Streamlining Excessive and Costly Regulations Review Act H.R. 4294 -SAVERS Act of 2015 H.R. 2542 Regulatory Flexibility Improvements Act H.R. 2577 Transportation, Housing and Urban Development, and Related Agencies Appropriations Act, 2016 H.R. 2804 Achieving Less Excess in Regulation and Requiring Transparency (ALERRT) Act (H.R. 2804). H.R. 3035 Credit Access and Inclusion Act H.R. 3189 FORM Act of 2015 H.R. 3192 Homebuyers Assistance Act H.R. 3438 REVIEW Act H.R. 3634 Student Loan Debt Protection Act H.R. 4018 Consumer Protection and Choice Act H.R. 4293 Affordable Retirement Advice Protection Act H.R. 4768 The Separation of Powers Restoration Act, 2016 H.R. 4986 End Operation Choke Point Act of 2014 H.R. 5143 The International Insurance Standards Act H.R. 5485 The "Financial Services and General Government Appropriations Act, 2017 H.R. 5982 Midnight Rules Relief Act of 2016 Fiscal Year 2016 spending bills for the Department of Justice (CJS) and the Department of Housing and Urban Development (THUD) Fiscal Year 2017 Commerce, Justice, Science Funding Bill H.R. 21 -Midnight Rules Relief Act of 2017 H.R. 26 -Executive Need of Scrutiny Act of 2017 (REINS Act) H.R. 5 -Regulatory Accountability Act of 2017 (RAA) 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: Justice for Victims of Fraud Act H.R. 1374: Arbitration Fairness Act H.R. 1396: Restoring Statutory Rights and Interests of the States Act H.R. 985: The Fairness in Class Action Litigation Act of 2017 H.R. 585: Investor Choice Act of 2017 H.R. 864, (Rep. Love), the Stop Debt Collection Abuse Act of 2017 H.R. 924, (Rep. Rothfus), the Financial Institutions Due Process Act of 2017 H.R. 1457, (Rep. Tipton), the Making Online Banking Initiation Legal and Easy Act of 2017 H.R. 2133, (Rep. Luetkemeyer), the Community Lending Enhancement and Regulatory Relief Act of 2017 (CLEARR act) H.R. 2148, (Rep. Pittenger), the Clarifying Commercial Real Estate Loans H.R. 2396, (Rep. Trott), the Privacy Notification Technical Correction Act H.R. 3221, (Rep. Kustoff), the Access to Affordable Mortgages Act of 2017 H.R. ____, (Rep. Hollingsworth), the Ensuring Quality Unbiased Access to Loans Act of 2017 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 H.R. 1699, Preserving Access to Manufactured Housing Act of 2017 H.R. 2954, Home Mortgage Disclosure Adjustment Act H.R. 3299, Protecting Consumers Access to Credit Act of 2017 H.R. 3791, Community Institution Mortgage Relief Act of 2017 H.J.Res.111, 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" H.R. 3760, the Protecting Consumers from Unreasonable Credit Rates Act Under Discussion: A bill to provide consumer protections for overdraft fees A bill to provide consumer protections in auto lending Amendments and riders to appropriations bills House Bill re: Non-profit CDFI Depository Bank Expansion House Bill, Chairman Hensarling discussion draft, The Financial Choice Act Senate and House - Updates to the Stopping Abuse and Fraud in Electronic (SAFE) Lending Act Senate and House -Updates to the Secure and Fair Enforcement for Mortgage Licensing Act (also SAFE act)\ Senate - Senator Durbins usury rate cap bill (unintroduced at this time)

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 Issues related to Internal Revenue Service