PROTECT Act of 2017

Legislative and regulatory issues relating to information services, privacy, and data security, including implementation of Dodd-Frank Wall Street Reform and Consumer Protection Act. Legislation includes: H.R. 10, Financial CHOICE Act of 2017. H.R. 4028 - PROTECT Act of 2017 S. 2155, Economic Growth, Regulatory Relief, and Consumer Protection Act As well as Issues relating to the Credit Repair Organization Act (CROA)

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

Government targets: Consumer Financial Protection Bureau (CFPB), HOUSE OF REPRESENTATIVES, Natl Economic Council (NEC), SENATE, Treasury, Dept of

Legislative and regulatory issues relating to information services, privacy, and data security, including implementation of Dodd-Frank Wall Street Reform and Consumer Protection Act. Legislation includes: H.R. 4028 - PROTECT Act of 2017 S. 2155, Economic Growth, Regulatory Relief, and Consumer Protection Act S. 2289, Data Breach Prevention and Compensation Act of 2018 As well as Issues relating to the Credit Repair Organization Act (CROA)

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

Government targets: Consumer Financial Protection Bureau (CFPB), HOUSE OF REPRESENTATIVES, Natl Economic Council (NEC), SENATE, Treasury, Dept of

HR 4028 Promoting Responsible Oversight of Transactions and Examination of Credit Technology Act of 2017; Regulation of Credit repositories and resellers. S1982 Promoting Responsible Oversight of Transactions and Examination of Credit Technology Act of 2017; Regulation of Credit repositories and resellers. HR 435 The Credit Access and Inclusion Act of 2017 S.3040 The Credit Access and Inclusion Act of 2018

Client expense: Not reported · Firm income: $15,000

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

Legislative and regulatory issues relating to information services, privacy, and data security, including implementation of Dodd-Frank Wall Street Reform and Consumer Protection Act. Legislation includes: H.R. 10, Financial CHOICE Act of 2017. H.R. 4028 - PROTECT Act of 2017 S. 2155, Economic Growth, Regulatory Relief, and Consumer Protection Act As well as Issues relating to the Credit Repair Organization Act (CROA)

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

Government targets: Consumer Financial Protection Bureau (CFPB), HOUSE OF REPRESENTATIVES, Natl Economic Council (NEC), SENATE, Treasury, Dept of

Legislative and regulatory issues relating to information services, privacy, and data security, including implementation of Dodd-Frank Wall Street Reform and Consumer Protection Act. Legislation includes: H.R. 10, Financial CHOICE Act of 2017. H.R. 4028 - PROTECT Act of 2017 S. 2155, Economic Growth, Regulatory Relief, and Consumer Protection Act As well as Issues relating to the Credit Repair Organization Act (CROA)

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

Government targets: Consumer Financial Protection Bureau (CFPB), HOUSE OF REPRESENTATIVES, Natl Economic Council (NEC), SENATE, Treasury, Dept of

H.R. 10 Financial CHOICE Act of 2017, all provisions related to payment card transactions. H.R. 3280 Financial Services and General Government Appropriations Act, 2018, all provisions related to electronic payments. H.R. 2 / S. 3042 Agriculture Improvement Act of 2018, all provisions in Title IV, Subtitle A, Section 4104 related to electronic benefits transfer of benefits. H.R. 5445 21st Century IRS Act, all provisions in Title IV, Section 403 related to payment of taxes by credit and debit cards. Issues pertaining to a letter to the Federal Trade Commission on standard-setting processes for payment and payment security. H.R. 6743 Consumer Information Notification Requirement Act, all provisions. Issues pertaining to a Data Acquisition and Technology Accountability and Security Act, all provisions. S. 2362 Control Your Personal Credit Information Act, all provisions. S. 2289 Data Breach Prevention and Compensation Act of 2018, all provisions. Issues pertaining to possible FFIEC regulations on multi-factor authentication. Issues pertaining to a Federal Reserve study on payments fraud. H.R. 4508 PROSPER Act, all provisions related to Disbursement of Credit Balances. S. 2155 Economic Growth, Regulatory Relief, and Consumer Protection Act, all provisions in Title II Regulatory Relief and Protecting Consumer Access to Credit. H.R. 4028 PROTECT Act of 2017, all provisions. S. 2124 Consumer Privacy Protection Act, all provisions. S. 1816 Freedom from Equifax Exploitation Act, all provisions. Issues pertaining to the EMVCo (Europay, Mastercard, Visa) and the EMV chip cards. Issues pertaining to the implementation of P.L. 111-24 Credit Card Accountability Responsibility and Disclosure Act of 2009, all provisions related to interchange. Issues pertaining to the implementation of P.L. 111-203 Dodd-Frank Wall Street Reform and Consumer Protection Act, all provisions in Title X-Bureau of Consumer Financial Protection related to interchange. Issues pertaining to antitrust legislation related to interchange. Issues pertaining to payment card interchange fee and merchant discount anti-trust litigation. Issues pertaining to The Economic Growth and Regulatory Paperwork Reduction Act, all provisions related to debit card interchange.

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

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

Issues relating to interchange fees on electronic payments Issues relating to prepaid card products Issues relating to financial literacy and financial inclusion Issues relating to innovation in the payments industry Issues relating to payment card security and data security standards Issues relating to financial regulatory reform Implementation of Public Law 115-174, Economic Growth, Regulatory Relief, and Consumer Protection Act, provisions related to regulatory reform and identity theft prevention H.R. 4028, PROTECT Act of 2017, provisions relating to oversight of credit reporting agencies Draft data security legislation, provisions relating to data security regulations S. 2498, Protecting Children From Identity Theft Act, provisions relating to verifying social security numbers H.R. 5192, Protecting Children from Identity Theft Act, provisions relating to verifying social security numbers H.R. 6743, the Consumer Information Notification Requirement Act

Client expense: $640,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Executive Office of the President (EOP), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, SENATE, State, Dept of (DOS), Treasury, Dept of, U.S. Trade Representative (USTR)

Issues Related to Cyber Security, Data Security & Breach Notification H.R. 6743, Consumer Information Notification Requirement Act Issues Related to Data Acquisition and Technology Accountability and Security Act Issues Related to the Consumer Financial Protection Bureau Legislation related to establishing a commission at the CFPB S. 105, Consumer Financial Protection Board Act of 2017, H.R. 5266 Financial Product Safety Commission Act of 2018 Issues related to the CFPBs rulemaking under the Home Mortgage Disclosure Act Issues related to Implementation of the TILA/RESPA Integrated Disclosures Issues related to anticipated rulemaking that would affect debt collection Issues related to Equal Credit Opportunity Act Issues related to CFPB Consumer Response Portal Issues related to Auto Guidance Issues related to CFPB Small-dollar Rule Issues related to H.R. 10, the Financial Choice Act of 2017 Issues related to Dodd-Frank Act, including Section 1071 S. 387, Consumer Financial Protection Bureau Accountability Act of 2017 H.R. 3601, Protecting Consumers from Frivolous Claims Act of 2017 H.R. 5534, GUIDE Compliance Act H.R. 3625, CFPB-IG Act of 2017 H.R. 2553, TABS Act of 2017 Nomination of Kathy Kraninger, Director BCFP Issues Related to Student Loans Issues related to the reauthorization of the Higher Education Act Issues related to the CFPBs and Department of Educations actions on student lending H.R. 1283/S. 749, Transparency in Student Lending H.R. 1635, Empowering Students Through Enhanced Financial Counseling Act Issues related to disclosures for federal student loans Legislation related to student loan refinancing programs Issues related to bankruptcy protections for student loans Issues related to federal student loan reform H.R. 4508, Promoting Real Opportunity, Success, and Prosperity through Education Reform Act H.R. 4119, The Student Loan Disclosure Modernization Act S. 1066, Federal Adjustment in Reporting Student Credit Act Issues Related to AML-BSA Reform Issues Related to FinCEN CDD Rule H.R. 6068 Counter Terrorism and Illicit Finance Act Issues Related to Appropriations H.R. 6258 & S. 3107 Financial Services & General Government Appropriations Act, 2019 H.R. 4439, Modernizing Credit Opportunities Act Issues Related to Deposit Advance Products H.R. 4861, EQUAL Act of 2018 Issues Related to the Fair Credit Reporting Act H.R. 2359 FCRA Liability Harmonization Act Issues Related to budget reconciliation Issues Related to FY18 budget Issues related to implementation of Public Law No: 115-97, Tax Cuts and Jobs Act. Issues related to S. 2237/H.R. 4545, Financial Institutions Examination Fairness and Reform Act Issues related to H.R. 2133, the Community Lending Enhancement and Regulatory Relief Act of 2017 Issues related to H.R. 924, the Financial Institutions Due Process Act of 2017 Issues related to H.R. 2396, the Privacy Notification Technical Clarification Act Issues related to H.R. 4607, Comprehensive Regulatory Review Act Issues related to H.R. 4648, Home Mortgage Reporting Relief Act Issues related to H.R. 6158, Brokered Deposit Affiliate-Subsidiary Modernization Act of 2018 Issues Related to the Community Reinvestment Act Issues Related to the Fair Credit Reporting Act H.R. 4028, Promoting Responsible Oversight of Transactions and Examinations of Credit Technology Act of 2017 Issues Related to Flood Insurance H.R. 2874, 21st Century Flood Reform Act S. 1571, National Flood Insurance Program Reauthorization Act of 2017 Issues Related to unfair, deceptive, or abusive acts or practices under Dodd-Frank Act Issues Related to systemic risk designations S. 1893/H.R. 3312, Systemic Risk Designation Improvement Act of 2017 Issues related to the Ensuring Quality Unbiased Access to Loans Act H.R. 2706, Financial Institution Customer Protection Act of 2017 Issues related to financial regulatory coordination Issues related to oversight of SBA 7(a) Loan Program H.R. 4743/S. 2283, Small Business 7(a) Lending Oversight Reform Act of 2018 Issues related to SBA Programs Commercial Real Estate Appraisal Threshold H.R. 6347, 7(a) Real Estate Appraisal Harmonization Act H.R. 6348, Small Business ACE Act Issues related to H.R. 4452, Right to Lend Act of 2017 Issues related to S. 1642/H.R. 3299, Protecting Consumers Access to Credit Act of 2017 Issues related to S. 2155 Economic Growth, Regulatory Relief, and Consumer Protection Act Issues Related to FinTech HR. 1457, the Making Online Banking Initiation Legal and Easy Act of 2017 Issues related to the E-SIGN Act S. 2854 MOBILE Act of 2018 H.R. 3299, Protecting Consumers Access to Credit Act of 2017 Issues related to H.R. 3857, Protecting Advice for Small Savers Act of 2017 Issues related to the Bank Secrecy Act and Anti-Money Laundering Issues related to the Counter Terrorism & Illicit Finance Act Regulations: Equal Credit Opportunity issues, Regulation B, 12 CFR Part 1002 Home Mortgage Disclosure Act Issues, Regulation C, 12 CFR Part 1003 Fair Debt Collection Practices Issues, Regulation F, 12 CFR Part 1006 Privacy Issues, 12 CFR Parts 40, 216, 332, 1016 Fair Credit Reporting Issues, 12 CFR Parts 41, 171, 334, 1022 Real Estate Settlement Procedures Issues, Regulation X, 12 CFR Part 1024 Truth in Lending Issues, Regulation Z, 12 CFR Part 1026 Disclosure of Records and Information, 12 CFR Part 1070 Regulations related to the Dodd-Frank Act, Pub. L. No. 111-203 Issues related to the Higher Education Act Issues related to Telephone Consumer Protection Act, 47 U.S.C. 227 Issues related to Electronic Fund Transfer Act, regulation E, 15 U.S.C. 1693 Issues related to FDIC Deposit Insurance Issues related to the Paperwork Reduction Act Issues related to the Military Lending Act Community Reinvestment Act Regulations & Q&A issues Issues related to the Servicemembers Civil Relief Act Issues related to Small Business Act Issues related to FCC & FTC Do Not Call Registry Issues related to the Bank Secrecy Act and Anti-Money Laundering rules Issues related to the Counter Terrorism & Illicit Finance Act Issues related to the CFPB Request for Information Process Issues related to FinCEN Due Diligence Rule S.A.F.E. Mortgage Licensing Act - Regulation G Privacy of Consumer Financial Information - Regulation P Truth in Saving - Regulation DD

Client expense: $720,000 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), Defense, Dept of (DOD), Education, Dept of, Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of

Americans with Disabilities Act Tailored Regulation H.J.Res.111/S.J.Res.47 S.J.Res.57 H.R. 394/S.85, Restoring Access to Medication Act of 2017 H.R.35, Health Savings Act of 2017 H.R.1476, The Native American Health Savings Improvement Act H.R.1457, MOBILE Act of 2017 H.R. 1175/ S. 403, The Health Savings Act of 2017 H.R. 4028, PROTECT Act of 2017 H.R. 4978 / S. 2410, Chronic Disease Management Act of 2018 H.R. 6199, Restoring Access to Medication and Modernizing Health Savings Accounts Act of 2018 H.R. 6311, Increasing Access to Lower Premium Plans and Expanding Health Savings Accounts Act of 2018 H.R. 6743, Consumer Information Notification Requirement Act Arbitration Clauses in Financial Contracts Fair Lending Laws Small Dollar Lending Military Lending Act

Client expense: $2,130,000 · Firm income: Not reported

Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), Office of Management & Budget (OMB), SENATE, Treasury, Dept of, White House Office

General issues related to credit reporting, technology, data security, and housing. Specific issues included: re-authorization of the National Flood Insurance Program, including in the context of Appropriations legislation (HR 1422, HR 1558, HR 2246, HR 2565, HR 2868, HR 2875, HR 2874, and draft Senate legislation), issues related to reconstruction cost; proposals on data security and breach response, including S.1816, the "Freedom from Equifax Exploitation Act" (Warren), S.2155, the "Economic Growth, Regulatory Relief and Consumer Protection Act" (Crapo), issues impacting resellers of consumer reports, H.R. 4028, the "Promoting Responsible Oversight of Transactions and Examinations of Credit Technology" Act of 2017, or the "PROTECT Act" (McHenry), issues impacting the use of social security numbers, S 2362 (Reed) "Control Your Personal Credit Information Act of 2018", S 2289 (Warren) "Data Breach Prevention and Compensation Act of 2018", and draft proposals by Cong. Luetkemeyer and the House E&C Committee; and proposals to modernize the IRS IVES system and their impact on the mortgage industry, including the "IRS Data Verification Modernization Act of 2017" (McHenry).

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of, Vice President of the U.S.

General issues related to the payments system and related issues impacting financial institutions. Specific issues included: the Financial CHOICE Act (H.R. 10)(Hensarling), issues related to repeal of the Durbin debit card interchange price controls; and proposals on data security, breach notice, and breach response, including S.1816, the "Freedom from Equifax Exploitation Act" (Warren), S.2155, the "Economic Growth, Regulatory Relief and Consumer Protection Act" (Crapo), H.R. 4028, the "Promoting Responsible Oversight of Transactions and Examinations of Credit Technology" Act of 2017, or the "PROTECT Act" (McHenry), issues impacting financial services industry data security and breach notice standards, S 2362 (Reed) "Control Your Personal Credit Information Act of 2018", S 2289 (Warren) "Data Breach Prevention and Compensation Act of 2018", and draft proposals by Cong. Luetkemeyer and the House E&C Committee, issues related to preemption and functional regulation.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

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

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HR 4028 Promoting Responsible Oversight of Transactions and Examination of Credit Technology Act of 2017; Regulation of Credit repositories and resellers. S1982 Promoting Responsible Oversight of Transactions and Examination of Credit Technology Act of 2017; Regulation of Credit repositories and resellers. HR 435 The Credit Access and Inclusion Act of 2017 S.3040 The Credit Access and Inclusion Act of 2018

Client expense: Not reported · Firm income: $15,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues Related to Cyber Security, Data Security & Breach Notification Issues Related to Data Acquisition and Technology Accountability and Security Act Issues Related to the Consumer Financial Protection Bureau Legislation related to establishing a commission at the CFPB S. 105, Consumer Financial Protection Board Act of 2017, H.R. 5266 Financial Product Safety Commission Act of 2018 Issues related to the CFPBs rulemaking for prepaid cards Issues related to the CFPBs rulemaking under the Home Mortgage Disclosure Act Issues related to Implementation of the TILA/RESPA Integrated Disclosures Issues related to anticipated rulemaking that would affect debt collection Issues related to Equal Credit Opportunity Act Issues related to CFPB Consumer Response Portal Issues related to Auto Guidance Issues related to CFPB Small-dollar Rule Issues related to H.R. 10, the Financial Choice Act of 2017 Issues related to Dodd-Frank Act, including Section 1071 S. 387, Consumer Financial Protection Bureau Accountability Act of 2017 H.R. 3601, Protecting Consumers from Frivolous Claims Act of 2017 H.R. 5534, GUIDE Compliance Act H.R. 3625, CFPB-IG Act of 2017 H.R. 2553, TABS Act of 2017 Nomination of Kathy Kraninger, Director BCFP Issues Related to Student Loans Issues related to the reauthorization of the Higher Education Act Issues related to the CFPBs and Department of Educations actions on student lending H.R. 1283/S. 749, Transparency in Student Lending H.R. 1635, Empowering Students Through Enhanced Financial Counseling Act Issues related to disclosures for federal student loans Legislation related to student loan refinancing programs Issues related to bankruptcy protections for student loans Issues related to federal student loan reform H.R. 4508, Promoting Real Opportunity, Success, and Prosperity through Education Reform Act H.R. 4119, The Student Loan Disclosure Modernization Act S. 1066, Federal Adjustment in Reporting Student Credit Act Issues Related to AML-BSA Reform Issues Related to FinCEN CDD Rule H.R. 6068 Counter Terrorism and Illicit Finance Act Issues Related to Appropriations Financial Services and General Government Appropriations Act, 2019 H.R. 6258 & S. 3107 Financial Services & General Government Appropriations Act, 2019 Issues Related to Postal Banking H.R. 4439, Modernizing Credit Opportunities Act Issues Related to Deposit Advance Products H.R. 4861, EQUAL Act of 2018 Issues Related to the Fair Credit Reporting Act H.R. 2359 FCRA Liability Harmonization Act Issues Related to budget reconciliation Issues Related to FY18 budget Issues related to implementation of Public Law No: 115-97, Tax Cuts and Jobs Act. Issues related to S. 2237/H.R. 4545, Financial Institutions Examination Fairness and Reform Act Issues related to H.R. 2133, the Community Lending Enhancement and Regulatory Relief Act of 2017 Issues related to H.R. 924, the Financial Institutions Due Process Act of 2017 Issues related to H.R. 2396, the Privacy Notification Technical Clarification Act Issues related to H.R. 4607, Comprehensive Regulatory Review Act Issues related to H.R. 4648, Home Mortgage Reporting Relief Act Issues Related to the Community Reinvestment Act Issues Related to the Fair Credit Reporting Act H.R. 4028, Promoting Responsible Oversight of Transactions and Examinations of Credit Technology Act of 2017 Issues Related to the Department of Labor Fiduciary Rule Issues Related to Flood Insurance H.R. 2874, 21st Century Flood Reform Act S. 1571, National Flood Insurance Program Reauthorization Act of 2017 Issues Related to unfair, deceptive, or abusive acts or practices under Dodd-Frank Act Issues Related to systemic risk designations S. 1893/H.R. 3312, Systemic Risk Designation Improvement Act of 2017 Issues related to the Ensuring Quality Unbiased Access to Loans Act H.R. 2706, Financial Institution Customer Protection Act of 2017 Issues related to financial regulatory coordination Issues related to oversight of SBA 7(a) Loan Program H.R. 4743/S. 2283, Small Business 7(a) Lending Oversight Reform Act of 2018 Issues related to H.R. 4452, Right to Lend Act of 2017 Issues related to S. 1642/H.R. 3299, Protecting Consumers Access to Credit Act of 2017 Issues related to S. 2155 Economic Growth, Regulatory Relief, and Consumer Protection Act Issues Related to FinTech HR. 1457, the Making Online Banking Initiation Legal and Easy Act of 2017 Issues related to the E-SIGN Act S. 2854 MOBILE Act of 2018 H.R. 3299, Protecting Consumers Access to Credit Act of 2017 Issues related to H.R. 3857, Protecting Advice for Small Savers Act of 2017 Issues related to the Bank Secrecy Act and Anti-Money Laundering Issues related to the Counter Terrorism & Illicit Finance Act Regulations: Equal Credit Opportunity issues, Regulation B, 12 CFR Part 1002 Home Mortgage Disclosure Act Issues, Regulation C, 12 CFR Part 1003 Fair Debt Collection Practices Issues, Regulation F, 12 CFR Part 1006 Privacy Issues, 12 CFR Parts 40, 216, 332, 1016 Fair Credit Reporting Issues, 12 CFR Parts 41, 171, 334, 1022 Real Estate Settlement Procedures Issues, Regulation X, 12 CFR Part 1024 Truth in Lending Issues, Regulation Z, 12 CFR Part 1026 Disclosure of Records and Information, 12 CFR Part 1070 Regulations related to the Dodd-Frank Act, Pub. L. No. 111-203 Issues related to the Higher Education Act Issues related to Telephone Consumer Protection Act, 47 U.S.C. 227 Issues related to Electronic Fund Transfer Act, regulation E, 15 U.S.C. 1693 Issues related to FDIC Deposit Insurance Issues related to the Paperwork Reduction Act Issues related to the Military Lending Act Community Reinvestment Act Regulations & Q&A issues Issues related to the Servicemembers Civil Relief Act Issues related to Small Business Act Issues related to FCC & FTC Do Not Call Registry Issues related to the Bank Secrecy Act and Anti-Money Laundering rules Issues related to the Counter Terrorism & Illicit Finance Act Issues related to the CFPB Request for Information Process Issues related to FinCEN Due Diligence Rule

Client expense: $670,000 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), Defense, Dept of (DOD), Education, Dept of, Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of

Americans with Disabilities Act Tailored Regulation H.J.Res.111/S.J.Res.47 S.J.Res.57 H.R. 394/S.85, Restoring Access to Medication Act of 2017 H.R.35, Health Savings Act of 2017 H.R.1476, The Native American Health Savings Improvement Act H.R.1457, MOBILE Act of 2017 H.R. 1175/ S. 403, The Health Savings Act of 2017 H.R. 4028, PROTECT Act of 2017 H.R. 4978 / S. 2410, Chronic Disease Management Act of 2018 Arbitration Clauses in Financial Contracts Fair Lending Laws Small Dollar Lending Military Lending Act

Client expense: $2,500,000 · Firm income: Not reported

Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), Office of Management & Budget (OMB), SENATE, Treasury, Dept of, White House Office

H.R. 10, Financial CHOICE Act of 2017 H.R. 21/S. 34, Midnight Rules Relief Act of 2017 H.R. 78, SEC Regulatory Accountability Act H.R. 79/S. 588, Helping Angels Lead Our Startups (HALOS) Act H.R. 238, Commodity End-User Relief Act H.R. 477, Small Business Mergers, Acquisitions, Sales, and Brokerage Simplification Act of 2017 H.R. 1116, Taking Account of Institutions with Low Operation Risk (TAILOR) Act of 2017 H.R. 1153, Mortgage Choice Act of 2017 H.R. 1219/S. 444, Supporting America's Innovators Act of 2017 H.R. 1257, Securities and Exchange Commission Overpayment Credit Act H.R. 1312/S. 416, Small Business Capital Formation Enhancement Act H.R. 1343, Encouraging Employee Ownership Act of 2017 H.R. 1457, Making Online Banking Initiation Legal and Easy (MOBILE) Act of 2017 H.R. 1585, Fair Investment Opportunities for Professional Experts Act H.R. 1611, Gender Diversity in Corporate Leadership Act of 2017 H.R. 1645/S. 2126, Fostering Innovation Act of 2017 H.R. 1702, Small Business Development Centers Improvement Act of 2018 H.R. 2201, Micro Offering Safe Harbor Act H.R. 2226/S. 2013, Portfolio Lending and Mortgage Access Act H.R. 2396, Privacy Notification Technical Clarification Act H.R. 2553, Taking Account of Bureaucrats Spending (TABS) Act of 2017 H.R. 2706, Financial Institution Customer Protection Act of 2017 H.R. 3089, Corporate Transparency Act of 2017 H.R. 3093, Investor Clarity and Bank Parity Act H.R. 3110, Financial Stability Oversight Council Insurance Member Continuity Act H.R. 3179, Transparency and Accountability for Business Standards Act H.R. 3299, Protecting Consumers' Access to Credit Act of 2017 H.R. 3312/S. 1893, Systemic Risk Designation Improvement Act of 2017 H.R. 3746/S. 2702, Business of Insurance Regulatory Reform Act of 2017 H.R. 3762, International Insurance Standards Act of 2017 H.R. 3857, Protecting Advice for Small Savers (PASS) Act of 2017 H.R. 3860, IRS Data Verification Modernization Act of 2017 H.R. 3903/S. 2347, Encouraging Public Offerings Act of 2017 H.R. 3911, Risk-Based Credit Examination Act H.R. 3948, Protection of Source Code Act H.R. 3972, Family Office Technical Correction Act of 2017 H.R. 3973, Market Data Protection Act of 2017 H.R. 3978, TRID Improvement Act of 2017 H.R. 4015, Corporate Governance Reform and Transparency Act of 2017 H.R. 4028/S. 1982, Promoting Responsible Oversight of Transactions and Examinations of Credit Technology (PROTECT) Act of 2017 H.R. 4061, Financial Stability Oversight Council Improvement Act of 2017 H.R. 4248, To amend the Securities Exchange Act of 1934 to repeal certain disclosure requirements related to conflict minerals, and for other purposes H.R. 4263, Regulation A+ Improvement Act of 2017 H.R. 4267, Small Business Credit Availability Act H.R. 4279, Expanding Investment Opportunities Act H.R. 4281/S. 2953, Expanding Access to Capital for Rural Job Creators Act H.R. 4289, To amend the Dodd-Frank Wall Street Reform and Consumer Protection Act to repeal certain disclosure requirements related to coal and mine safety H.R. 4292, Financial Institution Living Will Improvement Act of 2017 H.R. 4293, Stress Test Improvement Act of 2017 H.R. 4294, Prevention of Private Information Dissemination Act of 2017 H.R. 4296, To place requirements on operational risk capital requirements for banking organizations established by an appropriate Federal banking agency H.R. 4311, Foreign Investment Risk Review Modernization Act of 2017 H.R. 4519, To amend the Securities Exchange Act of 1934 to repeal certain disclosure requirements related to resource extraction, and for other purposes H.R. 4529, Accelerating Access to Capital Act of 2017 H.R. 4537, International Insurance Standards Act of 2017 H.R. 4545, Financial Institutions Examination Fairness and Reform Act H.R. 4550, Practice of Law Technical Clarification Act of 2017 H.R. 4566, Alleviating Stress Test Burdens to Help Investors Act H.R. 4607, Comprehensive Regulatory Review Act H.R. 4659, To require the appropriate Federal banking agencies to recognize the exposure-reducing nature of client margin for cleared derivatives H.R. 4771, Small Bank Holding Company Relief Act of 2018 H.R. 4790, Volcker Rule Regulatory Harmonization Act H.R. 4861, Ensuring Quality Unbiased Access to Loans (EQUAL) Act of 2018 H.R. 5051, Public Company Registration Threshold Act H.R. 5054, Small Company Disclosure Simplification Act of 2018 H.R. 5059, State Insurance Regulation Preservation Act H.R. 5105/S. 2436, Better Utilization of Investments Leading to Development (BUILD) Act of 2018 H.R. 5192/S. 2498, Protecting Children from Identity Theft Act H.R. 5266, Financial Product Safety Commission Act of 2018 H.R. 5323, Derivatives Fairness Act H.R. 5645, Standard Merger and Acquisition Reviews Through Equal Rules Act of 2018 H.R. 5749, Options Markets Stability Act H.R. 5756, To require the Securities and Exchange Commission to adjust certain resubmission thresholds for shareholder proposals H.R. 5783, Cooperate with Law Enforcement Agencies and Watch Act of 2018 H.R. 5877, Main Street Growth Act H.R. 5970, Simplifying Disclosures for Investors Act H.R. 5999, Streamlining Communications for Investors Act H.R. 6035, Streamlining Communications for Investors Act H.R. 6068, Counter Terrorism and Illicit Finance Act H.R. 6130, Helping Startups Continue to Grow Act H.R. 6139, Improving Investment Research for Small and Emerging Issuers Act S. 327, Fair Access to Investment Research Act of 2017 S. 366, Taking Account of Institutions with Low Operation Risk (TAILOR) Act of 2017 S. 462, Securities and Exchange Commission Overpayment Credit Act S. 488, Encouraging Employee Ownership Act S. 536, Cybersecurity Disclosure Act of 2017 S. 1117, Consumer Financial Choice and Capital Markets Protection Act of 2017 S. 1241, Combating Money Laundering, Terrorist Financing, and Counterfeiting Act of 2017 S. 1284, Community Bank Relief Act S. 1454, True Incorporation Transparency for Law Enforcement (TITLE) Act S. 1463, Financial Stability Oversight Council Insurance Member Continuity Act S. 1717, Corporate Transparency Act of 2017 S. 1744, Brokaw Act S. 2098, Foreign Investment Risk Review Modernization Act of 2017 S. 2155, Economic Growth, Regulatory Relief, and Consumer Protection Act S. 2282, Bankruptcy Venue Reform Act of 2018 S. 2499, A bill to require the Financial Industry Regulatory Authority to establish a relief fund to provide investors with the full value of unpaid arbitration awards issued against brokerage firms or brokers regulated by the Authority S. 2756, Fair Investment Opportunities for Professional Experts Act S. 2765, RBIC Advisers Relief Act of 2018 S. 3004, Small Business Audit Correction Act of 2018 S. J. Res. 57, A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Indirect Auto Lending and Compliance with the Equal Credit Opportunity Act" Draft legislation titled Credit Services Protection Act of 2017 Draft legislation titled Counter Terrorism and Illicit Finance Act Draft legislation titled Data Acquisition and Technology Accountability and Security Act Draft legislation directing the Securities and Exchange Commission to increase and align the smaller reporting company and nonaccelerated filer financial thresholds Draft legislation to remove the limitation on large accelerated filers qualifying as an emerging growth company Draft legislation to require the Securities and Exchange Commission to revise the definition of a qualifying portfolio company to include an emerging growth company, for purposes of the exemption from registration for venture capital fund advisers under the Investment Advisers Act of 1940 Draft legislation to amend the Investment Company Act of 1940 to increase the percentage of voting shares a diversified company may hold in a single issuer Potential legislation similar to H.R. 1090, Retail Investor Protection Act (114th Cong.) Potential legislation similar to H.R. 4294, Strengthening Access to Valuable Education and Retirement Support (SAVERS) Act of 2015 Final regulation on definition of the term "fiduciary"; conflict of interest rule--retirement investment advice (81 Fed. Reg. 20,945-21,002, April 8, 2016) Proposed regulations on universal proxy (81 Fed. Reg. 79,122-79,186, November 10, 2016) Joint advance notice of proposed rulemaking on enhanced cyber risk management standards (81 Fed. Reg. 74,315-74,326, October 26, 2016) Proposed rule on regulations Q and Y; risk-based capital and other regulatory requirements for activities of financial holding companies related to physical commodities and risk-based capital requirements for merchant banking investments (81 Fed. Reg. 67,220-67,239, September 30, 2016) Proposed regulation on Regulation Best Interest (83 Fed. Reg. 21,574-21,682, May 9, 2018) Proposed Commission interpretation regarding standard of conduct for investment advisers; request for comment on enhancing investment (83 Fed. Reg. 21,203-21,214, May 9, 2018) Proposed rule on form CRS relationship summary; amendments to form ADV; required disclosures in retail communications and restrictions on the use of certain names or titles (83 Fed. Reg. 21,416-21,575, May 9, 2018) Request for Information Regarding Bureau Civil Investigative Demands and Associated Processes (83 Fed. Reg. 3,686-3,687, January 26, 2018) Request for Information Regarding Bureau Rules and Practices for Adjudication Proceedings (83 Fed. Reg. 5,055-5,056, February 5, 2018) Request for Information Regarding Bureau Enforcement Processes (83 Fed. Reg. 5,999-6,000, February 12, 2018) Request for Information Regarding Bureau External Engagements (83 Fed. Reg. 8,247-8,249, February 26, 2018) Request for Information Regarding Bureau Public Reporting Practices of Consumer Complaint Information (83 Fed. Reg. 9,499-9,501, March 6, 2018) Request for Information Regarding Bureau Rulemaking Processes (83 Fed. Reg. 10,437-10,440, March 9, 2018) Request for Information Regarding the Bureaus Adopted Regulations and New Rulemaking Authorities (83 Fed. Reg. 12,286-12,289, March 21, 2018) Request for Information Regarding the Bureaus Inherited Regulations and Inherited Rulemaking Authorities (83 Fed. Reg. 12,881-12,883, March 26, 2018) Request for Information Regarding the Bureaus Supervision Program (83 Fed. Reg. 7,166-7,168, February 20, 2018) Federal Reserve and the Office of the Comptroller of the Currency; Joint Notice of Proposed Rulemaking: Regulatory Capital Rules: Regulatory Capital, Enhanced Supplementary Leverage Ratio Standards for U.S. Global Systemically Important Bank Holding Companies and Certain of Their Subsidiary Insured Depository Institutions; Total Loss-Absorbing Capacity Requirements for U.S. Global Systemically Important Bank Holding Companies; Federal Reserve System Docket No. R-1604 and OCC Docket ID OCC-2018-0002 Nomination of Governor Jerome Powell to serve as Chairman of the Board of Governors of the Federal Reserve System Nomination of Jelena McWilliams to be Chair of the Federal Deposit Insurance Corporation Various issues relating to the implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act (P.L. 111-203); implementation of the Jumpstart Our Business Startups Act (P.L. 112-106); Executive Order 13772, Core Principles for Regulating the United States Financial System; Presidential Memorandum for the Secretary of the Treasury regarding Orderly Liquidation Authority; Basel III capital standards, bank capital, and liquidity reform; Consumer Financial Protection Bureau (CFPB) transparency and accountability; CFPB consumer complaint database; CFPB reform; anti-money laundering and Bank Secrecy Act (P.L. 91-508) improvements; Notice of Stakeholder Consultations on Responsible Conflict Mineral Sourcing; Financial Industry Regulatory Authority (FINRA) engagement initiative; political spending disclosures; systemic risk regulation and Financial Stability Oversight Council (FSOC) designation of non-bank financial companies; Financial Stability Oversight Council (FSOC) reform; Department of Treasury review of FSOC determination and designation process; Federal Reserve: Enhanced Disclosure of the Models Used in the Federal Reserves Supervisory Stress Test, Docket No. OP-1586; Stress Testing Policy Statement, Docket No. OP-1587; Policy Statement on the Scenario Design Framework for Stress Testing, Docket No. OP-1588; Office of Financial Research transparency and accountability; reform of international standard setting bodies including Financial Stability Board, International Association of Insurance Supervisors and Basel Committee on Banking Supervision; Federal Reserve reform; Federal Reserve proposed guidance on supervisory expectation for boards of directors 2017-16735; proxy voting systems; Security Exchange Commission conflict mineral rule; Security Exchange Commission pay ratio rule; Security Exchange Commission Advisory Committee on Small and Emerging Companies; Security Exchange Commission request for information regarding standards of conduct for investment advisors and broker-dealers; Security Exchange Commission staff legal bulletin 141 (CF) shareholder proposals; Security Exchange Commission FAST Act (P.L. 114-94) modernization and simplification of regulations S-K file no. S7-08-17; disclosure requirements and materiality; JOBS Act 3.0; potential legislation to create legal framework for venture exchange; credit bureau issues; tailoring bank rules to reduce the burden on small, midsize, and regional banks; beneficial ownership; reforms to the Committee on Foreign Investment in the United States; modernization of the Community Reinvestment Act (P.L. 95-128); application of Customer Identification Program requirements under anti-money laundering rules to bank-affiliated premium finance companies; application of the May 2016 Customer Due Diligence Rule to routine cash refunds issued by bank-affiliated premium finance companies; proposals to audit the Board of Governors of the Federal Reserve System; small business lending; consolidated asset thresholds related to the Advanced Approaches capital framework, the net stable fund ratio rule, and the liquidity coverage ratio rule; impact of prudential regulations on lending to small businesses by depository institutions; testimony by the Vice Chairman for Supervision, Federal Reserve Board, to the House Committee on Financial Services and the Senate Committee on Banking, Housing, and Urban Affairs; blockchain and fintech

Client expense: $15,190,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Consumer Financial Protection Bureau (CFPB), Defense, Dept of (DOD), Education, Dept of, Energy, Dept of, Environmental Protection Agency (EPA), Equal Employment Opportunity Commission (EEOC), Executive Office of the President (EOP), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Energy Regulatory Commission (FERC), Federal Reserve System, Federal Trade Commission (FTC), General Services Administration (GSA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Economic Council (NEC), Natl Labor Relations Board (NLRB), Natl Security Council (NSC), Natl Telecommunications & Information Administration (NTIA), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), Patent & Trademark Office (PTO), Pension Benefit Guaranty Corporation (PBGC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), State, Dept of (DOS), Transportation Security Administration (TSA), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Copyright Office, U.S. Customs & Border Protection, U.S. Trade Representative (USTR), Vice President of the U.S., White House Office

Legislative and regulatory issues relating to information services, privacy, and data security, including implementation of Dodd-Frank Wall Street Reform and Consumer Protection Act. Legislation includes: H.R. 10, Financial CHOICE Act of 2017. H.R. 4028 - PROTECT Act of 2017 S. 2155, Economic Growth, Regulatory Relief, and Consumer Protection Act As well as Issues relating to the Credit Repair Organization Act (CROA)

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

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

Legislative and regulatory issues relating to information services, privacy, and data security, including implementation of Dodd-Frank Wall Street Reform and Consumer Protection Act. Legislation includes: H.R. 10, Financial CHOICE Act of 2017. H.R. 4028 - PROTECT Act of 2017 S. 2155, Economic Growth, Regulatory Relief, and Consumer Protection Act As well as Issues relating to the Credit Repair Organization Act (CROA)

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

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

Issues related to data breach notification, data security and consumer privacy. Cybersecurity issues. HR 2520, BROWSER Act, all provisions. S 2155, Economic Growth, Regulatory Relief, and Consumer Protection Act, all provisions related to consumer reporting. HR 4028, Promoting Responsible Oversight of Transactions and Examinations of Credit Technology Act (PROTECT Act), all provisions.

Client expense: $400,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Patent & Trademark Office (PTO), SENATE

Issues relating to interchange fees on electronic payments Issues relating to prepaid card products Issues relating to financial literacy and financial inclusion Issues relating to innovation in the payments industry Issues relating to payment card security and data security standards Issues relating to financial regulatory reform S. 2155, Economic Growth, Regulatory Relief, and Consumer Protection Act, provisions relating to financial regulatory reform H.R. 4028, PROTECT Act of 2017, provisions relating to oversight of credit reporting agencies Draft data security legislation, provisions relating to data security regulations S. 2498, Protecting Children From Identity Theft Act, provisions relating to verifying social security numbers H.R. 5192, Protecting Children from Identity Theft Act, provisions relating to verifying social security numbers

Client expense: $870,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Executive Office of the President (EOP), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), SENATE, State, Dept of (DOS), Treasury, Dept of, U.S. Trade Representative (USTR)

H.R. 10 Financial CHOICE Act of 2017, all provisions related to payment card transactions. H.R. 3280 "Financial Services and General Government Appropriations," all provisions related to electronic payments. H.R. 2 Agriculture Improvement Act of 2018, Title IV, Subtitle A, Section 4104 provisions on electronic benefits transfer. H.R. 5445 21st Century IRS Act," Title IV, Section 403 provisions on payment of taxes by credit and debit cards. Issues related to standard-setting processes for payment and payment security. Issues related to a Data Acquisition and Technology Accountability and Security Act, all provisions. S. 2362 Control Your Personal Credit Information Act, all provisions. S. 2289 Data Breach Prevention and Compensation Act of 2018, all provisions. Issues related to possible FFIEC regulations on multi-factor authentication. Issues related to Federal Reserve study on payments fraud. H.R. 4508 PROSPER Act, all provisions pertaining to Disbursement of Credit Balances. S. 2155 Economic Growth, Regulatory Relief, and Consumer Protection Act, all provision in Title II Regulatory Relief and Protecting Consumer Access to Credit. H.R. 4028 PROTECT Act of 2017, all provisions. S. 2124 Consumer Privacy Protection Act, all provisions. S. 1816 Freedom from Equifax Exploitation Act, all provisions. Issues related to the EMVCo (Europay, Mastercard, Visa) and the EMV chip cards. Issues related to the implementation of P.L. 111-24 Credit Card Accountability Responsibility and Disclosure Act of 2009, all provisions pertaining to interchange. Issues related to the implementation of P.L. 111-203 Dodd-Frank Wall Street Reform and Consumer Protection Act, all provisions pertaining to the provisions in Title X-Bureau of Consumer Financial Protection relating to interchange. Issues related to antitrust legislation pertaining to interchange. Issues related to payment card interchange fee and merchant discount anti-trust litigation. Issues related to The Economic Growth and Regulatory Paperwork Reduction Act, all provisions pertaining to debit card interchange.

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

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

Issues relating to interchange fees on electronic payments Issues relating to prepaid card products Issues relating to financial literacy and financial inclusion Issues relating to innovation in the payments industry Issues relating to payment card security and data security standards Issues relating to financial regulatory reform H.R. 10, the Financial Choice Act, provisions relating to financial regulatory reform S. 2155, Economic Growth, Regulatory Relief, and Consumer Protection Act, provisions relating to financial regulatory reform H.R. 4028, PROTECT Act of 2017, provisions relating to oversight of credit reporting agencies Draft data security legislation, provisions relating to data security regulations S. 2498, Protecting Children From Identity Theft Act, provisions relating to verifying social security numbers H.R. 5192, Protecting Children from Identity Theft Act, provisions relating to verifying social security numbers

Client expense: $1,200,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Executive Office of the President (EOP), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), SENATE, State, Dept of (DOS), Treasury, Dept of, U.S. Trade Representative (USTR)

HR 4028 Promoting Responsible Oversight of Transactions and Examination of Credit Technology Act of 2017; Regulation of Credit repositories and resellers. S1982 Promoting Responsible Oversight of Transactions and Examination of Credit Technology Act of 2017; Regulation of Credit repositories and resellers. HR 435 The Credit Access and Inclusion Act of 2017; Regulation of Credit repositories and resellers access to alternative data

Client expense: Not reported · Firm income: $15,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

General issues related to credit reporting, technology, data security, and housing. Specific issues included: re-authorization of the National Flood Insurance Program (HR 1422, HR 1558, HR 2246, HR 2565, HR 2868, HR 2875, HR 2874, and draft Senate legislation), issues related to reconstruction cost; proposals on data security and breach response, including S.1816, the "Freedom from Equifax Exploitation Act" (Warren), S.2155, the "Economic Growth, Regulatory Relief and Consumer Protection Act" (Crapo), issues impacting resellers of consumer reports, H.R. 4028, the "Promoting Responsible Oversight of Transactions and Examinations of Credit Technology" Act of 2017, or the "PROTECT Act" (McHenry), issues impacting the use of social security numbers, S 2362 (Reed) "Control Your Personal Credit Information Act of 2018", S 2289 (Warren) "Data Breach Prevention and Compensation Act of 2018", and draft proposals by Cong. Luetkemeyer and the House E&C Committee; and proposals to modernize the IRS IVES system and their impact on the mortgage industry, including the "IRS Data Verification Modernization Act of 2017" (McHenry).

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of, Vice President of the U.S.

General issues related to the payments system and related issues impacting financial institutions. Specific issues included: the Financial CHOICE Act (H.R. 10)(Hensarling), issues related to repeal of the Durbin debit card interchange price controls; and proposals on data security, breach notice, and breach response, including S.1816, the "Freedom from Equifax Exploitation Act" (Warren), S.2155, the "Economic Growth, Regulatory Relief and Consumer Protection Act" (Crapo), H.R. 4028, the "Promoting Responsible Oversight of Transactions and Examinations of Credit Technology" Act of 2017, or the "PROTECT Act" (McHenry), issues impacting financial services industry data security and breach notice standards, S 2362 (Reed) "Control Your Personal Credit Information Act of 2018", S 2289 (Warren) "Data Breach Prevention and Compensation Act of 2018", and draft proposals by Cong. Luetkemeyer and the House E&C Committee.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

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

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues Related to Cyber Security, Data Security & Breach Notification Issues Related to Data Acquisition and Technology Accountability and Security Act Issues Related to the Consumer Financial Protection Bureau Legislation related to establishing a commission at the CFPB S. 105, Consumer Financial Protection Board Act of 2017, H.R. 5266 Financial Product Safety Commission Act of 2018 Issues related to the CFPBs rulemaking for prepaid cards Issues related to the CFPBs rulemaking under the Home Mortgage Disclosure Act Issues related to Implementation of the TILA/RESPA Integrated Disclosures Issues related to anticipated rulemaking that would affect debt collection Issues related to Equal Credit Opportunity Act Issues related to CFPB Consumer Response Portal Issues related to Auto Guidance Issues related to CFPB Small-dollar Rule Issues related to H.R. 10, the Financial Choice Act of 2017 Issues related to Dodd-Frank Act, including Section 1071 S. 387, Consumer Financial Protection Bureau Accountability Act of 2017 Issues Related to Student Loans Issues related to the reauthorization of the Higher Education Act Issues related to the CFPBs and Department of Educations actions on student lending H.R. 1283/S. 749, Transparency in Student Lending H.R. 1635, Empowering Students Through Enhanced Financial Counseling Act Issues related to disclosures for federal student loans Legislation related to student loan refinancing programs Issues related to bankruptcy protections for student loans Issues related to federal student loan reform H.R. 4508, Promoting Real Opportunity, Success, and Prosperity through Education Reform Act H.R. 4119, The Student Loan Disclosure Modernization Act S. 1066, Federal Adjustment in Reporting Student Credit Act Issues Related to Appropriations H.R. 3280 Financial Services and General Government Appropriations Act, 2018 Financial Services and General Government Appropriations Act, 2019 Issues Related to budget reconciliation Issues Related to FY18 budget Issues related to H.R. 1, Tax Cuts and Jobs Act of 2017 Issues related to S. 2237/H.R. 4545, Financial Institutions Examination Fairness and Reform Act Issues related to H.R. 2133, the Community Lending Enhancement and Regulatory Relief Act of 2017 Issues related to H.R. 924, the Financial Institutions Due Process Act of 2017 Issues related to H.R. 2396, the Privacy Notification Technical Clarification Act Issues related to H.R. 4607, Comprehensive Regulatory Review Act Issues related to H.R. 4648, Home Mortgage Reporting Relief Act Issues Related to the Community Reinvestment Act Issues Related to the Fair Credit Reporting Act H.R. 4028, Promoting Responsible Oversight of Transactions and Examinations of Credit Technology Act of 2017 Issues Related to the Department of Labor Fiduciary Rule Issues Related to Flood Insurance H.R. 2874, 21st Century Flood Reform Act S. 1571, National Flood Insurance Program Reauthorization Act of 2017 Issues Related to unfair, deceptive, or abusive acts or practices under Dodd-Frank Act Issues Related to systemic risk designations S. 1893/H.R. 3312, Systemic Risk Designation Improvement Act of 2017 Issues related to the Ensuring Quality Unbiased Access to Loans Act H.R. 2706, Financial Institution Customer Protection Act of 2017 Issues related to financial regulatory coordination Issues related to oversight of SBA 7(a) Loan Program H.R. 4743/S. 2283, Small Business 7(a) Lending Oversight Reform Act of 2018 Issues related to H.R. 4452, Right to Lend Act of 2017 Issues related to S. 1642/H.R. 3299, Protecting Consumers Access to Credit Act of 2017 Issues related to S. 2155 Economic Growth, Regulatory Relief, and Consumer Protection Act Issues Related to FinTech HR. 1457, the Making Online Banking Initiation Legal and Easy Act of 2017 Issues related to the E-SIGN Act H.R. 3299, Protecting Consumers Access to Credit Act of 2017 Issues related to H.R. 3857, Protecting Advice for Small Savers Act of 2017 Issues related to the Bank Secrecy Act and Anti-Money Laundering Issues related to the Counter Terrorism & Illicit Finance Act Regulations: Equal Credit Opportunity issues, Regulation B, 12 CFR Part 1002 Home Mortgage Disclosure Act Issues, Regulation C, 12 CFR Part 1003 Fair Debt Collection Practices Issues, Regulation F, 12 CFR Part 1006 Privacy Issues, 12 CFR Parts 40, 216, 332, 1016 Fair Credit Reporting Issues, 12 CFR Parts 41, 171, 334, 1022 Real Estate Settlement Procedures Issues, Regulation X, 12 CFR Part 1024 Truth in Lending Issues, Regulation Z, 12 CFR Part 1026 Disclosure of Records and Information, 12 CFR Part 1070 Regulations related to the Dodd-Frank Act, Pub. L. No. 111-203 Issues related to the Higher Education Act Issues related to Telephone Consumer Protection Act, 47 U.S.C. 227 Issues related to Electronic Fund Transfer Act, regulation E, 15 U.S.C. 1693 Department of Education Cash Management Rules Issues related to FDIC Deposit Insurance Issues related to the Paperwork Reduction Act Issues related to the Military Lending Act Community Reinvestment Act Regulations & Q&A issues Issues related to the Servicemembers Civil Relief Act Issues related to Small Business Act Issues related to FCC & FTC Do Not Call Registry Issues related to the Bank Secrecy Act and Anti-Money Laundering rules Issues related to the Counter Terrorism & Illicit Finance Act Issues related to the CFPB Request for Information Process Issues related to FinCEN Due Diligence Rule

Client expense: $590,000 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), Defense, Dept of (DOD), Education, Dept of, Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of

Tailored Regulation H.J.Res.111/S.J.Res.47 H.R. 394/S.85 , Restoring Access to Medication Act of 2017 H.R.35, Health Savings Act of 2017 H.R.1476, The Native American Health Savings Improvement Act H.R.1457, MOBILE Act of 2017 H.R. 1175/ S. 403, The Health Savings Act of 2017 H.R. 4028, PROTECT Act of 2017 H.R. 4978 / S. 2410, Chronic Disease Management Act of 2018 Arbitration Clauses in Financial Contracts Fair Lending Laws Small Dollar Lending Military Lending Act

Client expense: $2,592,000 · Firm income: Not reported

Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), Office of Management & Budget (OMB), SENATE, Treasury, Dept of

Legislative and regulatory issues relating to information services, privacy, and data security, including implementation of Dodd-Frank Wall Street Reform and Consumer Protection Act. Legislation includes: H.R. 10, Financial CHOICE Act of 2017. H.R. 4028 - PROTECT Act of 2017 S. 2155, Economic Growth, Regulatory Relief, and Consumer Protection Act As well as Issues relating to the Credit Repair Organization Act (CROA)

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

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

Client expense: $15,390,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Army, Dept of (Corps of Engineers), Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Consumer Financial Protection Bureau (CFPB), Council on Environmental Quality (CEQ), Defense, Dept of (DOD), Education, Dept of, Energy, Dept of, Environmental Protection Agency (EPA), Equal Employment Opportunity Commission (EEOC), Executive Office of the President (EOP), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), General Services Administration (GSA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Interior, Dept of (DOI), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Economic Council (NEC), Natl Labor Relations Board (NLRB), Natl Security Council (NSC), Occupational Safety & Health Administration (OSHA), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), Office of the Vice President of the United States, Patent & Trademark Office (PTO), Pension Benefit Guaranty Corporation (PBGC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), State, Dept of (DOS), Transportation Security Administration (TSA), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Copyright Office, U.S. Customs & Border Protection, U.S. Fish & Wildlife Service (USFWS), U.S. Trade Representative (USTR), White House Office

H.R. 10 Financial CHOICE Act of 2017, all provisions related to payment card transactions. H.R. 1625 Consolidated Appropriations Act, 2018, all provisions pertaining to Division E, Financial Services and General Government Appropriations. Issues related to a Data Acquisition and Technology Accountability and Security Act, all provisions. S. 2362 Control Your Personal Credit Information Act, all provisions. S. 2289 Data Breach Prevention and Compensation Act of 2018, all provisions. Issues related to possible FFIEC regulations on multi-factor authentication. Issues related to Federal Reserve study on payments fraud. H.R. 4508 PROSPER Act, all provisions pertaining to Disbursement of Credit Balances. S. 2155 Economic Growth, Regulatory Relief, and Consumer Protection Act, all provisions in Title II Regulatory Relief and Protecting Consumer Access to Credit. H.R. 4028 PROTECT Act of 2017, all provisions. S. 2124 Consumer Privacy Protection Act, all provisions. S. 1816 Freedom from Equifax Exploitation Act, all provisions. Issues related to the EMVCo (Europay, Mastercard, Visa) and the EMV chip cards. Issues related to the implementation of P.L. 111-24 Credit Card Accountability Responsibility and Disclosure Act of 2009, all provisions pertaining to interchange. Issues related to the implementation of P.L. 111-203 Dodd-Frank Wall Street Reform and Consumer Protection Act, all provisions pertaining to the provisions in Title X-Bureau of Consumer Financial Protection relating to interchange. Issues related to antitrust legislation pertaining to interchange. Issues related to payment card interchange fee and merchant discount anti-trust litigation. Issues related to The Economic Growth and Regulatory Paperwork Reduction Act, all provisions pertaining to debit card interchange.

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

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

Issues related to data breach notification and data security. Cybersecurity issues. HR 10, Financial CHOICE Act, Titles 3 and 11, provisions related to Federal Trade Commission. HR 2520, BROWSER Act, all provisions. HR 2359, FCRA Liability Harmonization Act, all provisions. S 1693, Stop Enabling Sex Traffickers Act, all provisions. S 2155, Economic Growth, Regulatory Relief, and Consumer Protection Act, all provisions related to consumer reporting. HR 4028, Promoting Responsible Oversight of Transactions and Examinations of Credit Technology Act (PROTECT Act), all provisions.

Client expense: $410,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), HOUSE OF REPRESENTATIVES, SENATE, U.S. Copyright Office

Issues relating to interchange fees on electronic payments Issues relating to prepaid card products Issues relating to financial literacy and financial inclusion Issues relating to innovation in the payments industry Issues relating to payment card security and data security standards Issues relating to financial regulatory reform H.R. 10, the Financial Choice Act, provisions relating to financial regulatory reform S. 2155, Economic Growth, Regulatory Relief, and Consumer Protection Act, provisions relating to financial regulatory reform H.R. 4028, PROTECT Act of 2017, provisions relating to oversight of credit reporting agencies Draft data security legislation, provisions relating to data security regulations S. 2498, Protecting Children From Identity Theft Act, provisions relating to verifying social security numbers H.R. 5192, Protecting Children from Identity Theft Act, provisions relating to verifying social security numbers

Client expense: $1,300,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Executive Office of the President (EOP), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), SENATE, State, Dept of (DOS), Treasury, Dept of, U.S. Trade Representative (USTR)

Breach notification; S.2155 - Economic Growth, Regulatory Relief and Consumer Protection Act; H.R.4919 - SNAP Abuse and Fraud Prevention Act; Do Not Pay; Farm Bill - Supplemental Nutrition Assistance Program; H.R.4028 - Promoting Responsible Oversight of Transaction and Examinations of Credit Technology; Improper Payments/Program Integrity.

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

Government targets: Agriculture, Dept of (USDA), HOUSE OF REPRESENTATIVES, Office of Management & Budget (OMB), SENATE, Veterans Affairs, Dept of (VA)

H.R. 1345, Protect Children from Theft Act of 2017 - as it relates to protecting the credit of minors. H.R. 759, Ability to Repay Verification Enabling Act -as it relates to income and employment. H.R. 898, Credit Score Competition Act of 2017 - as it relates to credit scores and for other purposes. S. 744, Protecting Veterans Credit Act of 2017 - as it relates to credit reports. S. 314, FIX Credit Reporting Errors Act as it relates to FCRA. H.R. 402, the Fair Access to Credit Scores Act - as it relates it relates to credit scores. H.J Res. 111 - Providing for Congressional Disapproval under chapter 8, of title 5, United States code, of the rules submitted by Bureau of Consumer Financial Protection, relating to "Arbitration Agreements" Issues as it pertains to arbitration. S.J.Res.47-A joint resolution providing for Congressional Disapproval under chapter 8, of title 5, United States code, of the rules submitted by Bureau of Consumer Financial Protection, relating to "Arbitration Agreements". Issues as it pertains to arbitration. H.R.2359-FCRA Liability Harmonization Act-issues as it pertains to FCRA Liability Reform H.R.3755,Comprehensive Consumer Credit Reporting Reform Act of 2017, issues as it relates to the FCRA S.1819,Equal Employment for All Act of 2017, issues as it relates to employment screening H.R.3783,Equal Employment for All Act of 2017, issues as it relates to employment screening S.1815,Data Broker Accountability and Transparency Act of 2017, issues as it relates to data brokers S.1810,Free Credit Freeze Act, issues as it relates to credit freeze S.1758,Tenant Protection Act, issues as it relates to residential screening H.R.759, Ability to Repay Verification Enabling Act, issues as it relates to unemployment compensation S.1066,Federal Adjustment in Reporting Student Credit Act of 2017, issues as it relates to student lending S.1816, Freedom from Equifax Exploitation Act, issues as it relates to the FCRA H.R.435, The Credit Access and Inclusion Act of 2017, issues as it relates to alternative data H.R.2262, Free Credit Score of 2017, issues as it relates to credit scores H.R.3766,Credit Information Protection Act of 2017, issues as it relates to credit freeze H.R.3539, Mug Shots Elimination Act of 2017, issues as it relates to mug shots H.R.3878, Free Credit Freeze Act, issues as it relates to credit freeze H.R.4028, PROTECT Act of 2017, Issues as it relates to the FCRA H.R.1982,PROTECT Act of 2017, issues as it relates to the FCRA H.Con. Res.71,Budget Reconciliation, issues as it relates to privacy

Client expense: $170,000 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), SENATE

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'" (issues related to CFPB and Arbitration); Issues related to synthetic identity fraud (no bill); S. 2155, "Economic Growth, Regulatory Relief, and Consumer Protection Act" (issues related to banking regulatory relief, SIFI asset threshold oversight); Issues related to deferred interest financing (no bill); H.R. 3312, "Systemic Risk Designation Improvement Act of 2017" (issues related to banking regulatory relief, SIFI asset threshold oversight); H.R. 1457, "MOBILE Act of 2017" (entire bill); H.R. 3299, "Protecting Consumers' Access to Credit Act of 2017" (issues related to Madden decision/valid when made); H.R. 4028/S. 1982, "PROTECT Act of 2017" (issues related file freeze); Issues related to the CFPB (no bill); H.R. 1 "Tax Cuts and Jobs Act" (entire bill)

Client expense: $210,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to regulatory relief (no bill); S. 2155, "Economic Growth, Regulatory Relief, and Consumer Protection Act" (issues related to banking regulatory relief, SIFI asset threshold oversight); H.R. 3312, "Systemic Risk Designation Improvement Act of 2017" (issues related banking regulatory relief, SIFI asset threshold oversight); H.R. 1457, "MOBILE Act of 2017" (entire bill); H.R. 3299, "Protecting Consumers' Access to Credit Act of 2017" (issues related to Madden decision/valid when made); 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'"(issues related to arbitration); H.R. 4028/S. 1982, "PROTECT Act of 2017" (issues related file freeze); Issues related to the CFPB (no bill); H.R. 1 "Tax Cuts and Jobs Act" (entire bill)

Client expense: $210,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HR 4028 Promoting Responsible Oversight of Transactions and Examination of Credit Technology Act of 2017; Regulation of Credit repositories and resellers. S1982 Promoting Responsible Oversight of Transactions and Examination of Credit Technology Act of 2017; Regulation of Credit repositories and resellers. HR 435 The Credit Access and Inclusion Act of 2017; Regulation of Credit repositories and resellers access to alternative data

Client expense: Not reported · Firm income: $15,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

General issues related to the payments system and related issues impacting financial institutions. Specific issues included: the Financial CHOICE Act (H.R. 10)(Hensarling), issues related to repeal of the Durbin debit card interchange price controls; and proposals on data security, breach notice, and breach response, including S.1816, the "Freedom from Equifax Exploitation Act" (Warren), S.2155, the "Economic Growth, Regulatory Relief and Consumer Protection Act" (Crapo), and H.R. 4028, the "Promoting Responsible Oversight of Transactions and Examinations of Credit Technology" Act of 2017, or the "PROTECT Act", issues impacting financial services industry data security and breach notice standards.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of, Vice President of the U.S., White House Office

General issues related to credit reporting, technology, data security, and housing. Specific issues included: re-authorization of the National Flood Insurance Program (HR 1422, HR 1558, HR 2246, HR 2565, HR 2868, HR 2875, HR 2874, and draft Senate legislation), issues related to reconstruction cost; proposals on data security and breach response, including S.1816, the "Freedom from Equifax Exploitation Act" (Warren), S.2155, the "Economic Growth, Regulatory Relief and Consumer Protection Act" (Crapo), issues impacting resellers of consumer reports, and H.R. 4028, the "Promoting Responsible Oversight of Transactions and Examinations of Credit Technology" Act of 2017, or the "PROTECT Act" (McHenry), issues impacting the use of social security numbers; and proposals to modernize the IRS IVES system and their impact on the mortgage industry, including the "IRS Data Verification Modernization Act of 2017" (McHenry).

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of, Vice President of the U.S.

General issues related to privacy, cybersecurity, data security, credit reporting and background screening. Specific issues included: draft data security and breach notice proposals; the Protecting Veterans Credit Act (S.744) (Donnelly, Delaney), issues related to credit reporting; the Score Competition Act (S.1685, Scott); credit freeeze and breach response, including S.1816, "Freedom from Equifax Exploitation Act" (Warren), S.2155, the Economic Growth, Regulatory Relief and Consumer Protection Act (Crapo) issues related to credit reporting agencies, and H.R. 4028, the Promoting Responsible Oversight of Transactions and Examinations of Credit Technology Act of 2017, or the "PROTECT Act" (McHenry).

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE, White House Office

Issues Related to Cyber Security & Data Security Issues Related to the Consumer Financial Protection Bureau Legislation related to establishing a commission at the CFPB and S. 105, Consumer Financial Protection Board Act of 2017 Issues related to the CFPBs rulemaking for prepaid cards Issues related to the CFPBs rulemaking under the Home Mortgage Disclosure Act Issues related to Implementation of the TILA/RESPA Integrated Disclosures Issues related to anticipated rulemaking that would affect debt collection Issues related to Equal Credit Opportunity Act Issues related to CFPB Consumer Response Portal Issues related to Auto Guidance Issues related to CFPB Arbitration Rule Issues related to CFPB Small-dollar Rule Issues related to H.R. 10, the Financial Choice Act of 2017 Issues related to Dodd-Frank Act, including Section 1071 S. 387, Consumer Financial Protection Bureau Accountability Act of 2017 Issues related to S.J. Res.47/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". Issues Related to Student Loans Issues related to the reauthorization of the Higher Education Act Issues related to the CFPBs and Department of Educations actions on student lending H.R. 1283/S. 749, Transparency in Student Lending H.R. 1635, Empowering Students Through Enhanced Financial Counseling Act Issues related to disclosures for federal student loans Legislation related to student loan refinancing programs Issues related to bankruptcy protections for student loans Issues related to federal student loan reform H.R. 4508, Promoting Real Opportunity, Success, and Prosperity through Education Reform Act H.R. 4119, The Student Loan Disclosure Modernization Act S. 1066, Federal Adjustment in Reporting Student Credit Act of 2017 Issues Related to Appropriations Financial Services and General Government Appropriations Act, 2018 Issues Related to budget reconciliation Issues Related to FY18 budget Issues related to H.R. 1, Tax Cuts and Jobs Act Issues related to S. 2237/H.R. 4545, Financial Institutions Examination Fairness and Reform Act Issues related to H.R. 2133, the Community Lending Enhancement and Regulatory Relief Act of 2017 Issues related to H.R. 924, the Financial Institutions Due Process Act of 2017 Issues related to H.R. 2396, the Privacy Notification Technical Clarification Act Issues related to H.R. 4607, Comprehensive Regulatory Review Act Issues related to H.R. 4648, Home Mortgage Reporting Relief Act of 2017 Issues Related to the Community Reinvestment Act Issues Related to the Fair Credit Reporting Act H.R. 4028, Promoting Responsible Oversight of Transactions and Examinations of Credit Technology Act of 2017 Issues Related to the Department of Labor Fiduciary Rule Issues Related to Flood Insurance H.R. 2874, 21st Century Flood Reform Act S. 1571, National Flood Insurance Program Reauthorization Act of 2017 Issues Related to unfair, deceptive, or abusive acts or practices under Dodd-Frank Act Issues Related to systemic risk designations S. 1893/H.R. 3312, Systemic Risk Designation Improvement Act of 2017 Issues related to the Ensuring Quality Unbiased Access to Loans Act H.R. 2706, Financial Institution Customer Protection Act of 2017 Issues related to financial regulatory coordination Issues Related to Data Security & Breach Notification Issues related to oversight of SBA 7(a) Loan Program Issues related to H.R. 4452, Right to Lend Act of 2017 Issues related to S. 1642/H.R. 3299, Protecting Consumers Access to Credit Act of 2017 Issues related to S. 2155 Economic Growth, Regulatory Relief, and Consumer Protection Act Issues Related to FinTech HR. 1457, the Making Online Banking Initiation Legal and Easy Act of 2017 Issues related to the E-SIGN Act Issues related to H.R. 3857, Protecting Advice for Small Savers Act of 2017 Regulations: Equal Credit Opportunity issues, Regulation B, 12 CFR Part 1002 Home Mortgage Disclosure Act Issues, Regulation C, 12 CFR Part 1003 Fair Debt Collection Practices Issues, Regulation F, 12 CFR Part 1006 Privacy Issues, 12 CFR Parts 40, 216, 332, 1016 Fair Credit Reporting Issues, 12 CFR Parts 41, 171, 334, 1022 Real Estate Settlement Procedures Issues, Regulation X, 12 CFR Part 1024 Truth in Lending Issues, Regulation Z, 12 CFR Part 1026 Disclosure of Records and Information, 12 CFR Part 1070 Regulations related to the Dodd-Frank Act, Pub. L. No. 111-203 Issues related to the Higher Education Act Issues related to Telephone Consumer Protection Act, 47 U.S.C. 227 Issues related to Electronic Fund Transfer Act, 15 U.S.C. 1693 Department of Education Cash Management Rules Issues related to FDIC Deposit Insurance Issues related to the Paperwork Reduction Act Issues related to the Military Lending Act Community Reinvestment Act Regulations & Q&A issues Issues related to the Servicemembers Civil Relief Act Issues related to Small Business Act Issues related to FCC & FTC Do Not Call Registry Issues related to the Bank Secrecy Act and Anti-Money Laundering rules Issues related to the Counter Terrorism & Illicit Finance Act

Client expense: $1,190,000 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), Defense, Dept of (DOD), Education, Dept of, Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of

Tailored Regulation H.J.Res.111/S.J.Res.47 H.R. 394/S.85, Restoring Access to Medication Act of 2017 H.R.35, Health Savings Act of 2017 H.R.1476, The Native American Health Savings Improvement Act H.R.1457, MOBILE Act of 2017 H.R. 1175/ S. 403, The Health Savings Act of 2017 H.R. 4028, PROTECT Act of 2017 Arbitration Clauses in Financial Contracts Fair Lending Laws Small Dollar Lending Military Lending Act

Client expense: $3,200,000 · Firm income: Not reported

Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), Office of Management & Budget (OMB), SENATE, Treasury, Dept of

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

Client expense: $16,830,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Army, Dept of (Corps of Engineers), Bureau of Industry and Security (BIS), Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Consumer Financial Protection Bureau (CFPB), Council on Environmental Quality (CEQ), Defense, Dept of (DOD), Education, Dept of, Energy, Dept of, Environmental Protection Agency (EPA), Equal Employment Opportunity Commission (EEOC), Executive Office of the President (EOP), Federal Bureau of Investigation (FBI), Federal Communications Commission (FCC), Federal Reserve System, Federal Trade Commission (FTC), General Services Administration (GSA), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Interior, Dept of (DOI), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Economic Council (NEC), Natl Institute of Standards & Technology (NIST), Natl Labor Relations Board (NLRB), Natl Security Council (NSC), Occupational Safety & Health Administration (OSHA), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), Office of the Vice President of the United States, Patent & Trademark Office (PTO), Pension Benefit Guaranty Corporation (PBGC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), State, Dept of (DOS), Transportation Security Administration (TSA), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Copyright Office, U.S. Customs & Border Protection, U.S. Fish & Wildlife Service (USFWS), U.S. Trade Representative (USTR), White House Office

The Credit Access and Inclusive Act of 2017 - HR 435. Active duty credit services. Breach notification. Promoting Responsible Oversight of Transactions and Examinations of Credit Technology - HR 4028. Economic Growth, Regulatory Relief, and Consumer Protection Act - S 2155. Promoting Responsible Oversight of Transactions and Examinations of Credit Technology Act - S 1982.

Client expense: $290,000 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), HOUSE OF REPRESENTATIVES, SENATE, Social Security Administration (SSA), Treasury, Dept of