Clarity in Credit Score Formation Act of 2019

H.R. 56, Financial Technology Protection Act H.R. 87, Midnight Rules Relief Act of 2019 H.R. 189, Financial Institution Customer Protection Act of 2019 H.R. 758, Cooperate with Law Enforcement Agencies and Watch Act of 2019 H.R. 969, TABS Act of 2019 H.R. 1018, Improving Corporate Governance Through Diversity Act of 2019 H.R. 1731, Cybersecurity Disclosure Act of 2019 H.R. 1815, SEC Disclosure Effectiveness Testing Act H.R. 2144, Token Taxonomy Act of 2019 H.R. 2409, Expanding Access to Capital for Rural Job Creators Act H.R. 2515, Whistleblower Protection Reform Act of 2019 H.R. 2534, Insider Trading Prohibition Act H.R. 2919, Improving Investment Research for Small and Emerging Issuers Act H.R. 3050, Expanding Investment in Small Businesses Act of 2019 H.R. 3279, Diversity in Corporate Leadership Act of 2019 H.R. 3351, Financial Services and General Government Appropriations Act, 2020 H.R. 3614, Restricting Credit Checks for Employment Decisions Act H.R. 3618, Free Credit Scores for Consumers Act of 2019 H.R. 3621, Student Borrower Credit Improvement Act H.R. 3622, Restoring Unfairly Impaired Credit and Protecting Consumers Act H.R. 3623/ S. 2075, Climate Risk Disclosure Act of 2019 H.R. 3624/S. 1843 Outsourcing Accountability Act of 2019 H.R. 3625, PCAOB Whistleblower Protection Act of 2019 H.R. 3629, Clarity in Credit Score Formation Act of 2019 H.R. 3641/S. 1854, Stronger Enforcement of Civil Penalties Act of 2019 H.R. 3642, Improving Credit Reporting for All Consumers Act H.R. 3848/S. 2155, Stop Wall Street Looting Act H.R. 3987, Alleviating Stress Test Burdens to Help Investors Act H.R. 4242, Greater Accountability in Pay Act of 2019 H.R. 4320, Corporate Management Accountability Act of 2019 H.R. 4329, ESG Disclosure Simplification Act of 2019 H.R. 4335, 8-K Trading Gap Act of 2019 H.R. 4344, Investor Protection and Capital Markets Fairness Act H.R. 4492/S. 733, Consumer Financial Choice and Capital Markets Protection Act of 2019 H.R. 4726, Certainty for End-Users Act H.R. 4805, Access Business Credit Act of 2019 H.R. 4918, Helping Startups Continue to Grow Act H.R. 5013, Small Business Fair Debt Collection Protection Act H.R. 5084, Improving Corporate Governance Through Diversity Act of 2019 H.R. 5332, Protecting Your Credit Score Act of 2019 H.R. 5494, Catastrophe Loss Mitigation Incentive and Tax Parity Act of 2019 H.R. 5929, Shareholder Political Transparency Act of 2020 H.R. 5930, Workforce Investment Disclosure Act of 2020 H.R. 6116, Consumer Financial Protection Commission Act H.R. 6210, Uyghur Forced Labor Prevention Act H.R. 6270, Uyghur Forced Labor Disclosure Act of 2020 H.R. 6371, To amend the Securities Exchange Act of 1934 to require issuers to disclose risks related to global pandemics, and for other purposes H.R. 6375, To amend the Securities Exchange Act of 1934 to require issuers to make disclosures related to supply chain disruption risk, and for other purposes H.R. 6790, Business Borrowers Protection Act H.R. 6934, To amend the CARES Act to require the uniform treatment of nationally recognized statistical rating organizations under certain programs carried out in response to the COVID-19 emergency, and for other purposes H.R. 7000, Holding Foreign Companies Accountable Act H.R. 7617, Defense, Commerce, Justice, Science, Energy and Water Development, Financial Services and General Government, Labor, Health and Human Services, Education, Transportation, Housing, and Urban Development Appropriations Act, 2021 H.R. 7668, Financial Services and General Government Appropriations Act, 2021 S. 452, Fostering Innovation Act of 2019 S. 471, Litigation Funding Transparency Act of 2019 S. 566, Expanding Access to Capital for Rural Job Creators Act S. 603, Financial Stability Oversight Council Improvement Act of 2019 S. 1731, Ensuring Quality Information and Transparency for Abroad-Based Listings on our Exchanges (EQUITABLE) Act S. 2391, Stock Buyback Reform and Worker Dividend Act of 2019 S. 2563, Improving Laundering Laws and Increasing Comprehensive Information Tracking of Criminal Activity in Shell Holdings (ILLICIT CASH) Act S. 3441, Fair Hiring in Banking Act S. 3548, Coronavirus Aid, Relief, and Economic Security (CARES) Act S. 3990, Financial Product Safety Commission Act of 2020 S. 4129, Lifting Our Communities through Advance Liquidity (LOCAL) Infrastructure Act S. 4159, E-SIGN Modernization Act of 2020 Draft legislation titled U.S. Investors and National Security Transparency Act Draft legislation, the Bad Actor Disqualification Act Draft legislation to require the SEC to study stock buybacks under rule 10b-18 Draft legislation titled the Diverse Asset Managers Act Draft legislation titled the Corporate Human Rights Risk Assessment, Prevention and Mitigation Act Draft legislation to provide certain financial end-users with relief from clearing and margin requirements Draft legislation relating to the underwriting of automobile insurance Draft legislation COVID-19 Restitution Assistance Fund for Victims of Securities Violations Act Draft legislation to enhance civil penalties under the Federal securities laws for violations related to an attempt to exploit investors related to the COVID-19 crisis Draft legislation to temporarily prohibit federal financial regulators from adopting rules not directly related to responding to the coronavirus response through the length of the crisis Draft legislation to apply certain terms and conditions on making direct loans under the CARES Act to certain purchases of debt by the Federal Government, and for other purposes Draft legislation to support the transition from U.S. Dollar LIBOR Potential legislation to require the SEC to complete rulemaking required by section 10D of the Securities Exchange Act of 1934 Potential legislation to require the SEC to complete rulemaking required by section 14(i) of the Securities Exchange Act of 1934 Potential legislation dealing with third party litigation financing and lawsuit lending; Nomination of Mark Calabria to be Director of the Federal Housing Finance Agency SEC interpretation regarding standard of conduct for investment advisers (84 Fed. Reg. 33,669, July 12, 2019) SEC form CRS relationship summary; amendments to form ADV (84 Fed. Reg. 33,492, June 5, 2019) Proposed rule on auditor independence with respect to certain loans or debtor-creditor relationships (83 Fed. Reg. 20,753-20,773, May 8, 2018) Policy to Encourage Trial Disclosure Programs (83 Fed. Reg. 45,574-45,578, September 10, 2018) Proposed changes to applicability thresholds for regulatory capital and liquidity requirements (83 Fed. Reg. 66,024-66,059, December 12, 2018) Proposed rule on prudential standards for large bank holding companies and savings and loan holding companies (83 Fed. Reg. 61,408-61,460, November 29, 2018) Proposed rule on payday, vehicle title, and certain high-cost installment loans; delay of compliance date (84 Fed. Reg. 4,298-4,305, February 14, 2019) Proposed rule on self-regulatory organizations; Financial Industry Regulatory Authority, Inc.; notice of filing of a proposed rule change to establish a corporate bond new issue reference data service (84 Fed. Reg. 13,977-13,983, April 8, 2019) Proposed rule to exemptions from the proxy rules for proxy voting advice (84 Fed. Reg. 66,518-66,559, December 4, 2019) Proposed rule on procedural requirements and resubmission thresholds under Exchange Act Rule 14a-8 (84 Fed. Reg. 66,458-66,515, December 4, 2019) Proposed rule on modernization of Regulation S-K Items 101, 103, and 105 (84 Fed. Reg. 44,358-44,390, August 8, 2019) Proposed rule for amendments to Rule 2-01, qualifications of accountants (85 Fed. Reg. 2,332-2,354, January 15, 2020) Proposed rule amending the accredited investor definition (85 Fed. Reg. 2,574-2,613, January 15, 2020) Proposed rule on disclosure of payments by resource extraction issuers (85 Fed. Reg. 2,522-2,571, January 15, 2020) Electronic consent based Social Security number verification (84 Fed. Reg. 66,704-66,705, December 5, 2019) Proposed rule on permissible interest on loans that are sold, assigned, or otherwise transferred (84 Fed. Reg. 64,229-64,232, November 21, 2019) Proposed rule on remittance transfers under the Electronic Fund Transfer Act (Regulation E) (84 Fed. Reg. 67,132-67,167, December 6, 2019) Request for information regarding the integrated mortgage disclosures under the Real Estate Settlement Procedures Act (Regulation X) and the Truth in Lending Act (Regulation Z) rule assessment (84 Fed. Reg. 64,436-64,441, November 22, 2019) Proposed rule on premerger notification; reporting and waiting period requirements (85 Fed. Reg. 77,053-77,093, December 1, 2020) Proposed Rule on tailored shareholder reports, treatment of annual prospectus updates for existing investors, and improved fee and risk disclosure for mutual funds and exchange-traded funds; fee information in investment company advertisements (85 Fed. Reg. 70,716-70,896, Aug. 5, 2020) Various issues relating CFPB regulatory sandbox for disclosures; Securities Exchange Commission strategic plan; Securities Exchange Commission Rule 701 Form S-8 reforms; potential legislation related to the rulemaking and enforcement authority of Sec. 619 of the Dodd-Frank Act (P.L.111-203); beneficial ownership; reforms to the Committee on Foreign Investment in the United States; modernization of the Community Reinvestment Act (P.L. 95-128); implementation of the John S. McCain National Defense Authorization Act for Fiscal Year 2019, Title XVII, Foreign Investment Risk Review Modernization Act (P.L. 115-232), including provisions relating to sections 1654 and 1655; 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; Best Interest and Enhancing Investment Adviser Regulation relating to broker-dealers, registered investment advisers, conflicts of interest; potential federal preemption of state fiduciary standards; Public Company Accounting Oversight Board (PCAOB); CFTC Proposed rulemaking on the De Minimis Exception to the Swap Dealer Definition; CFPB policy on no-action letters and compliance assistance sandbox policy; Securities Exchange Commission amendments to the Commissioners whistleblower rules file no. S7-16-18; proxy process, proxy advisory firms, and other related aspects of corporate governance; corporate common ownership; adoption of the current expected credit loss (CECL) accounting standard; role of credit reporting agencies (CRAs) in the U.S. economy; comment on fund of fund arrangements interest rate restrictions; margin and capital requirements for covered swap entities; Office of the Comptroller of the Currency (OCC) Innovation Pilot Program; debt collection practices (regulation F) under the Fair Debt Collection Practices Act (P.L. 95-109); implementation of section 215 of the Economic Growth Regulatory Relief and Consumer Protection Act (P.L. 115-174); qualified mortgage definition under the Truth and Lending Act (P.L. 90-321) regulation Z; Financial Stability Oversight Council and the designation of nonbank financial firms as systemically important; Federal Reserve System and large institution supervision coordinating committee; updated disclosure requirements and summary prospectus for variable annuity and variable life insurance contracts; amendments to the accelerated filer and large accelerated filer definitions; potential housing finance reform legislation; enforcement of Securities Exchange Commission penalties; order instituting proceedings to determine whether to approve or disapprove a proposed rule change to establish a corporate bond new issue reference data service; comments on modernization of regulation S-K Items 101, 103 and 105 17 CFR Parts 229, 239 and 240; comments on bond reference data proposal; comment period extension request for regulatory capital rules: risk-based capital requirements for depository institution holding companies significantly engaged in insurance activities; comments on proposed rule change to introduce a liquidity provider protection on Cboe EDGA; EU sustainable finance action plan and incorporating ESG factors into financial services; EU review of alternative investment fund managers directive; EU review of prudential regime for investment firms; Brexit risks; SEC concept release on harmonization of securities offering exemptions; transition from London Interbank Offered Rate (LIBOR) to Secured Overnight Financing Rate (SOFR); Department of Labor Field Assistance Bulletin No. 2018-01 regarding compliance with Interpretive Bulletin 2016-01 and 2015-01; potential repeal of the State and Local Tax (SALT) cap; amending the accredited investor definition; amendments to exemptions from the proxy rules for proxy voting advice; PCAOB concept release on potential approach to revisions to PCAOB quality control standards; procedural requirements and resubmission thresholds under Exchange Act Rule 14a-8; proposed amendments to Rule 2-01, qualifications of accountants; proposed revisions to prohibitions and restrictions on proprietary trading and certain interests in, and relationships with, hedge funds and private equity funds; regulatory capital rules: risk-based capital requirements for depository institution holding companies significantly engaged in insurance activities; revised draft eCBSV user agreement and related materials; credit risk retention-notice of commencement of review; issues relating to federal interest rate authority; comments on margin requirements for non-centrally cleared swaps margin - impact of COVID-19 on initial margin phase-in; potential closing of the financial markets in response to the coronavirus pandemic; Main Street New Loan Facility and Main Street Expanded Loan Facility; Managements Discussion and Analysis, Selected Financial Data, and Supplementary Financial Information; Securities and Exchange Commission Fixed Income Market Structure Advisory Committee; Federal Deposit Insurance Corporation: Unsafe and Unsound Banking Practices: Brokered Deposits; Furthering Economic Stabilization by Encouraging Financial Institutions to Work Constructively with All Borrowers Affected by COVID-19; Liquidity Programs Coronavirus; PCAOB Request for Comment: Interim Analysis of Critical Audit Matter Requirements; Proposed Rule Change to Add a New Discretionary Limit Order Type Called D-Limit; Proposed Rule Change to Align Certain MSRB Rules to Securities and Exchange Act Rule 15l-1, Regulation Best Interest; Proposed Rule Change to FINRAs Suitability, Non-Cash Compensation, and Capital Acquisition Broker Rules in Response to Regulation Best Interest; Federal Reserve Board request for public feedback proposal to expand its Main Street Lending Program to provide access to credit for nonprofit organizations; Regulatory Capital Rule: Revised Transition of the Current Expected Credit Losses (CECL) Methodology for Allowances; Request for Further Clarifications and Modifications to Risk-Based Guidance; RFI to Assist the Taskforce on Federal Consumer Financial Law-CFPB; Sec. 171 DFA Collins Amendment; Use of Derivatives by Registered Investment Companies and Business Development Companies; Required Due Diligence by Broker-Dealers and Registered Investment Advisers Regarding Retail Customers Transactions in Certain Leveraged/Inverse Investment Vehicles; EU renewed sustainable finance strategy consultation; access to capital for minority owned businesses; CFPB comment on changes to Regulation Z to facilitate the upcoming LIBOR transition; debt collection practices (Regulation F): supplemental notice of proposed rulemaking; European Supervisory Authorities consultation paper on ESG Disclosures; FDIC request for information on standard setting and voluntary certification for models and third-party providers of technology and other services; opposing credit suppression; margin and capital requirements for covered swap entities interim final rule; margin requirements for uncleared swaps for swap dealers and major swap participants; national banks and federal savings associations as lenders; proposed rule on financial factors in selecting plan investments; qualified mortgage definition under the Truth In Lending Act (Regulation Z); response to OCC ANPR on National Bank and Federal Savings Association digital activities; AML/BSA reform; CARD Act Rules Review Pursuant to the Regulatory Flexibility Act; request for information regarding consumer credit card market; ICS monitoring period; anti-money laundering program effectiveness; role of supervisory guidance; comment letter on role of supervisory guidance; comment on the advanced notice of proposed rulemaking on Anti-Money Laundering Program Effectiveness; electronic consent-based SSN Verification Service (eCBSV); request for information on the Equal Credit Opportunity Act and Regulation B; Small Business Advisory Review Panel for Consumer Financial Protection Bureau Small Business Lending Data Collection Rulemaking: Outline of Proposals Under Consideration and Alternatives Considered; FDIC notice of proposed rulemaking on interest rate restrictions on institutions that are less than well capitalized; FDIC, incorporation of existing statement of policy regarding requests for participation in the affairs of an insured depository institution by convicted individuals; SEC: Proposed Rule Change on Form 13F Reporting Threshold for Institutional Investment Managers; development of an international insurance capital standard by the International Association of Insurance Supervisors; development of a new program to replace revenue due to business interruption or event cancelation; International Organization of Securities Commissions (IOSCO) consultation on leverage metrics; securities litigation; COVID related securities litigation

Client expense: $22,290,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Army, Dept of (Corps of Engineers), Bureau of Citizenship & Immigration Services (BCIS), Bureau of Industry and Security (BIS), 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 Aviation Administration (FAA), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), Federal Energy Regulatory Commission (FERC), Federal Reserve System, Federal Trade Commission (FTC), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), 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), Natl Telecommunications & Information Administration (NTIA), Office of Management & Budget (OMB), Office of Science & Technology Policy (OSTP), 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, Dept of (DOT), Treasury, Dept of, U.S. Copyright Office, U.S. Customs & Border Protection, U.S. Trade Representative (USTR), White House Office

Issues related to Cyber Security, Data Security & Breach Notification Issues related to Consumer Data Privacy Issues related to Dodd Frank including Section 1033 Issues related to the Consumer Financial Protection Bureau Legislation related to establishing a commission at the CFPB Issues related to the CFPBs rulemaking under the Home Mortgage Disclosure Act 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 CFPB Advisory Opinion Program Issues related to CFPB Taskforce on Consumer Financial Laws Issues related to CFPB Small-dollar Rule Issues related to Dodd-Frank Act, including Section 1071 Issues related to the Ability to Repay Rule, Qualified Mortgage Standards Issues related to Underbanked/Unbanked Consumers Issues related to CFPB No-Action Letter and Project Sandbox Proposal Issues related to CFPB agency guidance H.R. 3629, Clarity in Credit Score Formation Act of 2019 H.R. 1423, Forced Arbitration Injustice Repeal Act Issues related to the OCCs Electronic Operations of Federal Savings Associations Issues related to COVID-19 pandemic Issues related to Pub. Law 116-136, Coronavirus Aid, Relief, and Economic Security Act H.R. 6800, Health and Economic Recovery Omnibus Emergency Solutions H.R. 7010, Paycheck Protection Program Flexibility Act of 2020 S. 4117, Paycheck Protection Program Small Business Forgiveness Act H.R. 7777, Paycheck Protection Small Business Forgiveness Act H.R. 266, Paycheck Protection Program and Health Care Enhancement Act H.R. 8406, The Heroes Act H.R. 8265, To amend the Small Business Act and the CARES Act to establish a program for second draw loans and make other modifications to the paycheck protection program, and for other purposes. S. 4321, Continuing Small Business Recovery and Paycheck Protection Program Act COVID-19 relief related amendments to S. 178 Issues related to the Heal, Economic Assistance, Liability Protection and Schools Act Issues related to the Paycheck Protection Program Issues related to stimulus payments from Treasury to Americans Issues related to the Main Street Lending Program Issues related to OCC Fair Access Proposal Issues related to OCC Modeled Income Bipartisan Emergency COVID Relief Act of 2020 H.R. 133, Coronavirus Response and Relief Supplemental Appropriations Act 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 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. 1161 & S. 2015, The Student Loan Disclosure Modernization Act H.R. 811 & S. 234, Transparency in Student Lending Act H.R. 3621, Student Borrower Credit Improvement Act H.R. 3622, Restoring Unfairly Impaired Credit and Protecting Consumers Act H.R. 2674, the College Affordability Act H.R. 5294, Student Borrower Protection Act of 2019 H.R. 2648, Student Borrower Bankruptcy Relief Act of 2019 Issues related to AML-BSA Reform Issues related to FinCEN CDD Rule Issues related to Appropriations H.R. 264, Financial Services & General Government Appropriations Act, 2020 Issues related to guidance of Deposit Advance Products Issues related to the Fair Credit Reporting Act H.R. 3642, Improving Credit Reporting for All Consumers Act H.R. 953, To prohibit consumer reporting agencies from including adverse information in certain consumer reports, and from making adverse determinations relating to security clearances, with respect to certain individuals affected by the Government shutdown, and for other purposes. H.R. 1500, Consumers First Act Issues related to the Comprehensive Consumer Credit Reporting Reform Act of 2019 Issues related to the Community Reinvestment Act Issues related to the OCC, Federal Reserve, and FDIC modernization of the Community Reinvestment Act Issues related to financial regulatory coordination Issues related to SBA 7(a) Loan Program and fees H.R. 3614, Restricting Credit Checks for Employment Decisions Act H.R. 3618, Free Credit Scores for Consumer Act of 2019 H.R. 5050, the Veterans and Consumers Fair Credit Act Issues related to the Fair Housing Act Issues related to FinTech Issues related to the E-SIGN Act S. 4159, E-SIGN Modernization Act of 2020 Issues related to the OCC Innovation Pilot Program Issues related to the Bank Secrecy Act and Anti-Money Laundering Issues related to the Counter Terrorism & Illicit Finance Act H.R. 2513, the Corporate Transparency Act of 2019 H.R. 2514, the Coordinating Oversight, Upgrading and Innovating Technology, and Examiner Reform Act of 2019 S. 2563, the Improving Laundering Laws and Increasing Comprehensive Information Tracking of Criminal Activity in Shell Holdings Act H.R. 3375, The Stopping Bad Robocalls Act H.R. 1602/H.R. 2015/ S. 151, Telephone Robocall Abuse Criminal Enforcement and Deterrence Act or the TRACED Act Issues related to Parent Companies of Industrial Banks and Industrial Loan Companies 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 Truth in Saving - Regulation DD Issues related to the FDIC Brokered deposits Rule and Interest Rule Restrictions Reserve Requirements Of Depository Institutions Issues, Reg D, 12 CFE Part 204

Client expense: $1,170,000 · 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

S.1144: improve mapping under the NFIP HR 470: Repeal of Mandatory Flood Insurance Coverage for Commercial Properties H.R.2318: improve mapping under the NFIP, and for other purposes. HR472: Community Mapping Act HR 471: Taxpayer Exposure Mitigation Act/Reinsurance HR 469: To require the use of replacement cost value in determining the premium rates for flood insurance coverage under the NFIP H.R. 1756: Preventing Credit Score Discrimination in Auto Insurance S. 1298 Primary Regulators of Insurance Vote Act (PRIVA Act) of 2019 H.R. 3622: Restoring Unfairly Impaired Credit and Protecting Consumers Act Issues relating to the implementation off the National Association of Registered Agents and Brokers (NARAB) Issues relating to Diversity & Inclusion, Disparate Impact Issues relating to U.S. and international insurance capital standards Issues relating to the Federal Insurance Office Issues relating to the re-authorization and reform for the NFIP HR 3623 Climate Risk Disclosure Act of 2019 HR 3624 Outsourcing Accountability Act HR 3629 Clarify Credit Score Formation Act of 2019 HR 3693 Prohibit Auto Insurance Discrimination Act (Watson-Coleman) S 2201 Clarifying Law Around Insurance of Marijuana (Claim Act) HR 1595 Safe Banking Act HR 4592 International Insurance Standards Act of 2019 HR 3111 National Flood Insurance Program Administrative Reform Act of 2019 HR 3167 National Flood Insurance Program Re-authorization Act of 2019 S 2187 National Flood Insurance Program Re-authorization and Reform Act of 2019 HR 5776 Repeatedly Flooded Communities Preparation Act H.R.6494 - Business Interruption Insurance Coverage Act of 2020 H.R.7011 - Pandemic Risk Insurance Act of 2020 H.R.6497 Never Again Small Business Protection Act of 2020 H.R. 7412, the Business Interruption Relief Act of 2020

Client expense: $800,000 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), Commerce, Dept of (DOC), Consumer Financial Protection Bureau (CFPB), Federal Aviation Administration (FAA), Federal Communications Commission (FCC), Federal Emergency Management Agency (FEMA), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Highway Traffic Safety Administration (NHTSA), Office of Management & Budget (OMB), SENATE, Securities & Exchange Commission (SEC), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Trade Representative (USTR)

Issues impacting the Fair Credit Reporting Act, data breach notification and privacy. Legislation includes, H.R. 3618, the Free Credit Scores for Consumers Act of 2019, H.R. 3642, the Improving Credit Reporting for All Consumers Act and H.R. 3629, the Clarity in Credit Score Formation Act of 2019, the Accurate Access to Credit Information Act; and H.R. 5332, the Protecting Your Credit Score Act. Issues related to data suppression or deletion in credit reports.

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

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

H.R. 56, Financial Technology Protection Act H.R. 87, Midnight Rules Relief Act of 2019 H.R. 189, Financial Institution Customer Protection Act of 2019 H.R. 748/ S. 3548, Coronavirus Aid, Relief, and Economic Security (CARES) Act H.R. 758, Cooperate with Law Enforcement Agencies and Watch Act of 2019 H.R. 969, TABS Act of 2019 H.R. 1018, Improving Corporate Governance Through Diversity Act of 2019 H.R. 1731, Cybersecurity Disclosure Act of 2019 H.R. 1815, SEC Disclosure Effectiveness Testing Act H.R. 2144, Token Taxonomy Act of 2019 H.R. 2154, Digital Taxonomy Act of 2019 H.R. 2409, Expanding Access to Capital for Rural Job Creators Act H.R. 2515, Whistleblower Protection Reform Act of 2019 H.R. 2534, Insider Trading Prohibition Act H.R. 2919, Improving Investment Research for Small and Emerging Issuers Act H.R. 3050, Expanding Investment in Small Businesses Act of 2019 H.R. 3279, Diversity in Corporate Leadership Act of 2019 H.R. 3355, Reward Work Act H.R. 3614, Restricting Credit Checks for Employment Decisions Act H.R. 3618, Free Credit Scores for Consumers Act of 2019 H.R. 3621, Student Borrower Credit Improvement Act H.R. 3622, Restoring Unfairly Impaired Credit and Protecting Consumers Act H.R. 3624/S. 1843 Outsourcing Accountability Act of 2019 H.R. 3625, PCAOB Whistleblower Protection Act of 2019 H.R. 3629, Clarity in Credit Score Formation Act of 2019 H.R. 3641/S. 1854, Stronger Enforcement of Civil Penalties Act of 2019 H.R. 3642, Improving Credit Reporting for All Consumers Act H.R. 3848/S. 2155, Stop Wall Street Looting Act H.R. 3987, Alleviating Stress Test Burdens to Help Investors Act H.R. 4242, Greater Accountability in Pay Act of 2019 H.R. 4320, Corporate Management Accountability Act of 2019 H.R. 4329, ESG Disclosure Simplification Act of 2019 H.R. 4335, 8-K Trading Gap Act of 2019 H.R. 4344, Investor Protection and Capital Markets Fairness Act H.R. 4492/S. 733, Consumer Financial Choice and Capital Markets Protection Act of 2019 H.R. 4726, Certainty for End-Users Act H.R. 4805, Access Business Credit Act of 2019 H.R. 4918, Helping Startups Continue to Grow Act H.R. 5013, Small Business Fair Debt Collection Protection Act H.R. 5084, Improving Corporate Governance Through Diversity Act of 2019 H.R. 5332, Protecting Your Credit Score Act of 2019 H.R. 5494, Catastrophe Loss Mitigation Incentive and Tax Parity Act of 2019 H.R. 5929, Shareholder Political Transparency Act of 2020 H.R. 5930, Workforce Investment Disclosure Act of 2020 H.R. 6116, Consumer Financial Protection Commission Act H.R. 6210, Uyghur Forced Labor Prevention Act H.R. 6270, Uyghur Forced Labor Disclosure Act of 2020 H.R. 6371, To amend the Securities Exchange Act of 1934 to require issuers to disclose risks related to global pandemics, and for other purposes H.R. 6375, To amend the Securities Exchange Act of 1934 to require issuers to make disclosures related to supply chain disruption risk, and for other purposes H.R. 6790, Business Borrowers Protection Act H.R. 6934, To amend the CARES Act to require the uniform treatment of nationally recognized statistical rating organizations under certain programs carried out in response to the COVID-19 emergency, and for other purposes H.R. 7000, Holding Foreign Companies Accountable Act H.R. 7617, Defense, Commerce, Justice, Science, Energy and Water Development, Financial Services and General Government, Labor, Health and Human Services, Education, Transportation, Housing, and Urban Development Appropriations Act, 2021 H.R. 7668, Financial Services and General Government Appropriations Act, 2021 S. 452, Fostering Innovation Act of 2019 S. 471, Litigation Funding Transparency Act of 2019 S. 566, Expanding Access to Capital for Rural Job Creators Act S. 603, Financial Stability Oversight Council Improvement Act of 2019 S. 1256, PCAOB Enforcement Transparency Act of 2019 S. 1731, Ensuring Quality Information and Transparency for Abroad-Based Listings on our Exchanges (EQUITABLE) Act S. 2391, Stock Buyback Reform and Worker Dividend Act of 2019 S. 3441, Fair Hiring in Banking Act S. 3548, Coronavirus Aid, Relief, and Economic Security (CARES) Act S. 3990, Financial Product Safety Commission Act of 2020 S. 4129, Lifting Our Communities through Advance Liquidity (LOCAL) Infrastructure Act S. 4159, E-SIGN Modernization Act of 2020 Draft legislation titled U.S. Investors and National Security Transparency Act Draft legislation that would extend the statute of limitations for civil penalties by the SEC Draft legislation, the Bad Actor Disqualification Act Draft legislation to require the SEC to study stock buybacks under rule 10b-18 Draft legislation titled the Diverse Asset Managers Act Draft legislation titled the Corporate Human Rights Risk Assessment, Prevention and Mitigation Act Draft legislation to provide certain financial end-users with relief from clearing and margin requirements Draft legislation relating to supplementary leverage ratio treatment of client initial margin Draft legislation to amend the Investment Advisers Act to require the SEC to establish a process to follow when it obtains source code or other sensitive information from investment advisers Draft legislation relating to the underwriting of automobile insurance Draft legislation COVID-19 Restitution Assistance Fund for Victims of Securities Violations Act Draft legislation to enhance civil penalties under the Federal securities laws for violations related to an attempt to exploit investors related to the COVID-19 crisis Draft legislation to temporarily prohibit federal financial regulators from adopting rules not directly related to responding to the coronavirus response through the length of the crisis Draft legislation to apply certain terms and conditions on making direct loans under the CARES Act to certain purchases of debt by the Federal Government, and for other purposes Potential legislation to require the SEC to complete rulemaking required by section 10D of the Securities Exchange Act of 1934 Potential legislation to require the SEC to complete rulemaking required by section 14(i) of the Securities Exchange Act of 1934 Nomination of Mark Calabria to be Director of the Federal Housing Finance Agency Proposed rule on auditor independence with respect to certain loans or debtor-creditor relationships (83 Fed. Reg. 20,753-20,773, May 8, 2018) Proposed regulation on Regulation Best Interest (83 Fed. Reg. 21,574-21,682, May 9, 2018) Proposed Commission interpretation regarding standard of conduct for investment advisers; request for comment on enhancing investment advisor regulation (83 Fed. Reg. 21,203-21,214, May 9, 2018) Proposed rule on form CRS relationship summary; amendments to form ADV; required disclosures in retail communications and restrictions on the use of certain names or titles (83 Fed. Reg. 21,416-21,575, May 9, 2018) Policy to Encourage Trial Disclosure Programs (83 Fed. Reg. 45,574-45,578, September 10, 2018) Proposed changes to applicability thresholds for regulatory capital and liquidity requirements (83 Fed. Reg. 66,024-66,059, December 12, 2018) Proposed rule on prudential standards for large bank holding companies and savings and loan holding companies (83 Fed. Reg. 61,408-61,460, November 29, 2018) Proposed rule regarding standardized approach for calculating the exposure amount of derivative Contracts (84 Fed. Reg. 64,660-64,728, December 17, 2018) Proposed rule on payday, vehicle title, and certain high-cost installment loans; delay of compliance date (84 Fed. Reg. 4,298-4,305, February 14, 2019) Proposed rule on self-regulatory organizations; Financial Industry Regulatory Authority, Inc.; notice of filing of a proposed rule change to establish a corporate bond new issue reference data service (84 Fed. Reg. 13,977-13,983, April 8, 2019) Proposed rule to exemptions from the proxy rules for proxy voting advice (84 Fed. Reg. 66,518-66,559, December 4, 2019) Proposed rule on procedural requirements and resubmission thresholds under Exchange Act Rule 14a-8 (84 Fed. Reg. 66,458-66,515, December 4, 2019) Proposed rule on modernization of Regulation S-K Items 101, 103, and 105 (84 Fed. Reg. 44,358-44,390, August 8, 2019) Proposed rule on regarding margin and capital requirements for covered swap entities (84 Fed. Reg. 59,970-59,989, November 7, 2019) Proposed rule for amendments to Rule 2-01, qualifications of accountants (85 Fed. Reg. 2,332-2,354, January 15, 2020) Proposed rule amending the accredited investor definition (85 Fed. Reg. 2,574-2,613, January 15, 2020) Proposed rule on disclosure of payments by resource extraction issuers (85 Fed. Reg. 2,522-2,571, January 15, 2020) Electronic consent based Social Security number verification (84 Fed. Reg. 66,704-66,705, December 5, 2019) Proposed rule on permissible interest on loans that are sold, assigned, or otherwise transferred (84 Fed. Reg. 64,229-64,232, November 21, 2019) Proposed rule on remittance transfers under the Electronic Fund Transfer Act (Regulation E) (84 Fed. Reg. 67,132-67,167, December 6, 2019) Request for information regarding the integrated mortgage disclosures under the Real Estate Settlement Procedures Act (Regulation X) and the Truth in Lending Act (Regulation Z) rule assessment (84 Fed. Reg. 64,436-64,441, November 22, 2019) Various issues relating to CFPB regulatory sandbox for disclosures; Potential closing of the financial markets in response to the coronavirus pandemic Securities Exchange Commission strategic plan; Securities Exchange Commission Rule 701 Form S-8 reforms; potential legislation related to the rulemaking and enforcement authority of Sec. 619 of the Dodd-Frank Act (P.L.111-203); beneficial ownership; reforms to the Committee on Foreign Investment in the United States; modernization of the Community Reinvestment Act (P.L. 95-128); implementation of the John S. McCain National Defense Authorization Act for Fiscal Year 2019, Title XVII, Foreign Investment Risk Review Modernization Act (P.L. 115-232), including provisions relating to sections 1654 and 1655; 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; Best Interest and Enhancing Investment Adviser Regulation relating to broker-dealers, registered investment advisers, conflicts of interest; potential federal preemption of state fiduciary standards; Public Company Accounting Oversight Board (PCAOB); CFTC Proposed rulemaking on the De Minimis Exception to the Swap Dealer Definition; CFPB policy on no-action letters and compliance assistance sandbox policy; Securities Exchange Commission amendments to the Commissioners whistleblower rules file no. S7-16-18; proxy process, proxy advisory firms, and other related aspects of corporate governance; corporate common ownership; adoption of the current expected credit loss (CECL) accounting standard; role of credit reporting agencies (CRAs) in the U.S. economy; comment on fund of funds arrangements; interest rate restrictions; margin and capital requirements for covered swap entities; Office of the Comptroller of the Currency (OCC) Innovation Pilot Program; debt collection practices (regulation F) under the Fair Debt Collection Practices Act (P.L. 95-109); implementation of section 215 of the Economic Growth Regulatory Relief and Consumer Protection Act (P.L. 115-174); qualified mortgage definition under the Truth and Lending Act (P.L. 90-321) regulation Z; Financial Stability Oversight Council and the designation of nonbank financial firms as systemically important; Federal Reserve System and large institution supervision coordinating committee; updated disclosure requirements and summary prospectus for variable annuity and variable life insurance contracts; amendments to the accelerated filer and large accelerated filer definitions; potential housing finance reform legislation; enforcement of Securities Exchange Commission penalties; order instituting proceedings to determine whether to approve or disapprove a proposed rule change to establish a corporate bond new issue reference data service; comments on modernization of regulation S-K Items 101, 103 and 105 17 CFR Parts 229, 239 and 240; comments on bond reference data proposal; comment period extension request for regulatory capital rules: risk based capital requirements for depository institution holding companies significantly engaged in insurance activities; comments on proposed rule change to introduce a liquidity provider protection on Cboe EDGA; inter-affiliate initial margin relief; substituted compliance and equivalence between the U.S. derivatives regulatory regime and the European Unions European Market Infrastructure Regulation (EMIR); European Supervisory Authority review and provisions regarding portfolio delegation; EU third country equivalency process; EU sustainable finance action plan and incorporating ESG factors into financial services; EU solvency II review; EU review of prudential regime for investment firms; Brexit risks; SEC concept release on harmonization of securities offering exemptions; SEC digital assets; transition from London Interbank Offered Rate (LIBOR) to Secured Overnight Financing Rate (SOFR); Office of the Comptroller of the Currency (OCC), Federal Deposit Insurance Corporation (FDIC), valid when made doctrine; Department of Labor Field Assistance Bulletin No. 2018-01 regarding compliance with Interpretive Bulletin 2016-01 and 2015-01; Incentive based executive compensation regulation under Dodd-Frank Section 956; potential repeal of the State and Local Tax (SALT) cap; amending the accredited investor definition; amendments to exemptions from the proxy rules for proxy voting advice; disclosure of payments by resource extraction issuers; PCAOB concept release on potential approach to revisions to PCAOB quality control standards; procedural requirements and resubmission thresholds under Exchange Act Rule 14a-8; proposed amendments to Rule 2-01, qualifications of accountants; proposed revisions to prohibitions and restrictions on proprietary trading and certain interests in, and relationships with, hedge funds and private equity funds; regulatory capital rules: risk-based capital requirements for depository institution holding companies significantly engaged in insurance activities; revised draft eCBSV user agreement and related materials; credit risk retention-notice of commencement of review; issues relating to federal interest rate authority; comments on margin requirements for non-centrally cleared swaps margin - impact of COVID-19 on initial margin phase-in; Main Street New Loan Facility and Main Street Expanded Loan Facility; Managements Discussion and Analysis, Selected Financial Data, and Supplementary Financial Information; Securities and Exchange Commission Fixed Income Market Structure Advisory Committee; Federal Deposit Insurance Corporation: Unsafe and Unsound Banking Practices: Brokered Deposits; Furthering Economic Stabilization by Encouraging Financial Institutions to Work Constructively with All Borrowers Affected by COVID-19; Liquidity Programs Coronavirus; PCAOB Request for Comment: Interim Analysis of Critical Audit Matter Requirements; Proposed Rule Change to Add a New Discretionary Limit Order Type Called D-Limit; Proposed Rule Change to Align Certain MSRB Rules to Securities and Exchange Act Rule 15l-1, Regulation Best Interest; Proposed Rule Change to FINRAs Suitability, Non-Cash Compensation, and Capital Acquisition Broker Rules in Response to Regulation Best Interest; Federal Reserve Board request for public feedback proposal to expand its Main Street Lending Program to provide access to credit for nonprofit organizations; Regulatory Capital Rule: Revised Transition of the Current Expected Credit Losses (CECL) Methodology for Allowances; Request for Further Clarifications and Modifications to Risk-Based Guidance; RFI to Assist the Taskforce on Federal Consumer Financial Law-CFPB; Sec. 171 DFA Collins Amendment; Use of Derivatives by Registered Investment Companies and Business Development Companies; Required Due Diligence by Broker-Dealers and Registered Investment Advisers Regarding Retail Customers Transactions in Certain Leveraged/Inverse Investment Vehicles; EU renewed sustainable finance strategy consultation; access to capital for minority owned businesses; CFPB comment on changes to Regulation Z to facilitate the upcoming LIBOR transition; debt collection practices (Regulation F): supplemental notice of proposed rulemaking; European Supervisory Authorities consultation paper on ESG Disclosures; FDIC request for information on standard setting and voluntary certification for models and third-party providers of technology and other services; opposing credit suppression; margin and capital requirements for covered swap entities interim final rule; margin requirements for uncleared swaps for swap dealers and major swap participants; national banks and federal savings associations as lenders; proposed rule on financial factors in selecting plan investments; qualified mortgage definition under the Truth In Lending Act (Regulation Z); response to OCC ANPR on National Bank and Federal Savings Association digital activities; proposed rule reporting threshold for institutional investment managers; Housing and Urban Development implementation of the Fair Housing Acts disparate impact standard; FDIC notice of proposed rulemaking on interest rate restrictions on institutions that are less than well capitalized; federal regulatory capital rules: risk-based capital requirements for depository institution holding companies significantly engaged in insurance activities; proposed revisions to prohibitions and restrictions on proprietary trading and certain interests in, and relationships with, hedge funds and private equity funds; FDIC, incorporation of existing statement of policy regarding requests for participation in the affairs of an insured depository institution by convicted individuals; SEC: Proposed Rule Change to FINRAs Suitability, Non-Cash Compensation and Capital Acquisition Broker Rules in Response to Regulation Best Interest; SEC: Proposed Rule Change to Add a New Discretionary Limit Order Type Called D-Limit; SEC: Proposed Rule Change to Align Certain MSRB Rules to Securities and Exchange Act Rule 15l-1, Regulation Best Interest; SEC: Proposed Rule Change on Form 13F Reporting Threshold for Institutional Investment Managers; development of an international insurance capital standard by the International Association of Insurance Supervisors; development of a new program to replace revenue due to business interruption or event cancelation; International Organization of Securities Commissions (IOSCO) consultation on leverage metrics; potential legislation dealing with third party litigation financing and lawsuit lending

Client expense: $20,000,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Army, Dept of (Corps of Engineers), Bureau of Citizenship & Immigration Services (BCIS), Bureau of Industry and Security (BIS), Bureau of Reclamation, 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 Aviation Administration (FAA), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), Federal Energy Regulatory Commission (FERC), Federal Motor Carrier Safety Administration, 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), Housing & Urban Development, Dept of (HUD), 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), Natl Telecommunications & Information Administration (NTIA), Office of Management & Budget (OMB), Office of Science & Technology Policy (OSTP), 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), White House Office

H.R. 3614, Restricting Credit Checks for Employment Decisions Act H.R. 3618, Free Credit Scores for Consumers Act of 2019 H.R. 3621, Student Borrower Credit Improvement Act H.R. 3622, Restoring Unfairly Impaired Credit and Protecting Consumers Act H.R. 3629, Clarity in Credit Score Formation Act of 2019 H.R. 3987, Alleviating Stress Test Burdens to Help Investors Act H.R. 4805, Access Business Credit Act of 2019 H.R. 5194, Climate Change Financial Risk Act of 2019 H.R. 5332, Protecting Your Credit Score Act of 2019 H.R. 6116, Consumer Financial Protection Commission Act S. 3441, Fair Hiring in Banking Act S. 3548, Coronavirus Aid, Relief, and Economic Security (CARES) Act Various issues relating to the Volcker Rule; development of an international insurance capital standard; proposals to implement a tax on financial transactions; treatment of initial margin for inter-affiliate transactions; Sections 171 and 1071 of the Dodd-Frank Wall Street Reform and Consumer Protection Act (P.L. 111-203); Large Institution Supervision Coordination Committee of the Federal Reserve Board of Governors; request for information regarding the integrated mortgage disclosures under the Real Estate Settlement Procedures Act (P.L. 93-533) (Regulation X) and the Truth in Lending Act (P.L. 90-321) (Regulation Z) rule assessment, Consumer Financial Protection Bureau; remittance transfers under the Electronic Fund Transfer Act (P.L. 95-630) (Regulation E) Consumer Financial Protection Bureau; negative credit suppression; request for information regarding Taskforce on Federal Consumer Financial Law; section 29 of the Federal Deposit Insurance Act (P.L. 81-797) related to brokered deposits; instituting a capital offset in light of implementation of current expected credit losses (CECL); guidance on revised interagency statement on loan modifications by financial institutions working with customers affected by Coronavirus; comments regarding the use of exchange stabilization funds and creation of facilities under 13(3) of the Federal Reserve Act; comments regarding application of affiliation rules to the Paycheck Protection Program; comment letter to Consumer Financial Protection Bureau on facilitating the LIBOR transition (Regulation Z); letter requesting financial markets remain open

Client expense: $20,000,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Army, Dept of (Corps of Engineers), Bureau of Citizenship & Immigration Services (BCIS), Bureau of Industry and Security (BIS), Bureau of Reclamation, 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 Aviation Administration (FAA), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), Federal Energy Regulatory Commission (FERC), Federal Motor Carrier Safety Administration, 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), Housing & Urban Development, Dept of (HUD), 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), Natl Telecommunications & Information Administration (NTIA), Office of Management & Budget (OMB), Office of Science & Technology Policy (OSTP), 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), White House Office

H.R. 3614, Restricting Credit Checks for Employment Decisions Act H.R. 3618, Free Credit Scores for Consumers Act of 2019 H.R. 3621, Student Borrower Credit Improvement Act H.R. 3622, Restoring Unfairly Impaired Credit and Protecting Consumers Act H.R. 3629, Clarity in Credit Score Formation Act of 2019 H.R. 3987, Alleviating Stress Test Burdens to Help Investors Act H.R. 4805, Access Business Credit Act of 2019 H.R. 5194, Climate Change Financial Risk Act of 2019 H.R. 5332, Protecting Your Credit Score Act of 2019 H.R. 6116, Consumer Financial Protection Commission Act S. 3441, Fair Hiring in Banking Act S. 3548, Coronavirus Aid, Relief, and Economic Security (CARES) Act Various issues relating to the Volcker Rule; development of an international insurance capital standard; proposals to implement a tax on financial transactions; treatment of initial margin for inter-affiliate transactions; Sections 171 and 1071 of the Dodd-Frank Wall Street Reform and Consumer Protection Act (P.L. 111-203); Large Institution Supervision Coordination Committee of the Federal Reserve Board of Governors; request for information regarding the integrated mortgage disclosures under the Real Estate Settlement Procedures Act (P.L. 93-533) (Regulation X) and the Truth in Lending Act (P.L. 90-321) (Regulation Z) rule assessment, Consumer Financial Protection Bureau; remittance transfers under the Electronic Fund Transfer Act (P.L. 95-630) (Regulation E) Consumer Financial Protection Bureau; negative credit suppression; request for information regarding Taskforce on Federal Consumer Financial Law; section 29 of the Federal Deposit Insurance Act (P.L. 81-797) related to brokered deposits; instituting a capital offset in light of implementation of current expected credit losses (CECL); guidance on revised interagency statement on loan modifications by financial institutions working with customers affected by Coronavirus; comments regarding the use of exchange stabilization funds and creation of facilities under 13(3) of the Federal Reserve Act; comments regarding application of affiliation rules to the Paycheck Protection Program; comment letter to Consumer Financial Protection Bureau on facilitating the LIBOR transition (Regulation Z); letter requesting financial markets remain open

Client expense: $20,000,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Army, Dept of (Corps of Engineers), Bureau of Citizenship & Immigration Services (BCIS), Bureau of Industry and Security (BIS), Bureau of Reclamation, 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 Aviation Administration (FAA), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), Federal Energy Regulatory Commission (FERC), Federal Motor Carrier Safety Administration, 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), Housing & Urban Development, Dept of (HUD), 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), Natl Telecommunications & Information Administration (NTIA), Office of Management & Budget (OMB), Office of Science & Technology Policy (OSTP), 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), White House Office

H.R. 56, Financial Technology Protection Act H.R. 87, Midnight Rules Relief Act of 2019 H.R. 189, Financial Institution Customer Protection Act of 2019 H.R. 748/ S. 3548, Coronavirus Aid, Relief, and Economic Security (CARES) Act H.R. 758, Cooperate with Law Enforcement Agencies and Watch Act of 2019 H.R. 969, TABS Act of 2019 H.R. 1018, Improving Corporate Governance Through Diversity Act of 2019 H.R. 1731, Cybersecurity Disclosure Act of 2019 H.R. 1815, SEC Disclosure Effectiveness Testing Act H.R. 2144, Token Taxonomy Act of 2019 H.R. 2154, Digital Taxonomy Act of 2019 H.R. 2409, Expanding Access to Capital for Rural Job Creators Act H.R. 2515, Whistleblower Protection Reform Act of 2019 H.R. 2534, Insider Trading Prohibition Act H.R. 2919, Improving Investment Research for Small and Emerging Issuers Act H.R. 3050, Expanding Investment in Small Businesses Act of 2019 H.R. 3279, Diversity in Corporate Leadership Act of 2019 H.R. 3355, Reward Work Act H.R. 3614, Restricting Credit Checks for Employment Decisions Act H.R. 3618, Free Credit Scores for Consumers Act of 2019 H.R. 3621, Student Borrower Credit Improvement Act H.R. 3622, Restoring Unfairly Impaired Credit and Protecting Consumers Act H.R. 3624/S. 1843 Outsourcing Accountability Act of 2019 H.R. 3625, PCAOB Whistleblower Protection Act of 2019 H.R. 3629, Clarity in Credit Score Formation Act of 2019 H.R. 3641/S. 1854, Stronger Enforcement of Civil Penalties Act of 2019 H.R. 3642, Improving Credit Reporting for All Consumers Act H.R. 3848/S. 2155, Stop Wall Street Looting Act H.R. 3987, Alleviating Stress Test Burdens to Help Investors Act H.R. 4242, Greater Accountability in Pay Act of 2019 H.R. 4320, Corporate Management Accountability Act of 2019 H.R. 4329, ESG Disclosure Simplification Act of 2019 H.R. 4335, 8-K Trading Gap Act of 2019 H.R. 4344, Investor Protection and Capital Markets Fairness Act H.R. 4492/S. 733, Consumer Financial Choice and Capital Markets Protection Act of 2019 H.R. 4726, Certainty for End-Users Act H.R. 4805, Access Business Credit Act of 2019 H.R. 4918, Helping Startups Continue to Grow Act H.R. 5013, Small Business Fair Debt Collection Protection Act H.R. 5084, Improving Corporate Governance Through Diversity Act of 2019 H.R. 5332, Protecting Your Credit Score Act of 2019 H.R. 5494, Catastrophe Loss Mitigation Incentive and Tax Parity Act of 2019 H.R. 5929, Shareholder Political Transparency Act of 2020 H.R. 5930, Workforce Investment Disclosure Act of 2020 H.R. 6116, Consumer Financial Protection Commission Act H.R. 6210, Uyghur Forced Labor Prevention Act H.R. 6270, Uyghur Forced Labor Disclosure Act of 2020 H.R. 6371, To amend the Securities Exchange Act of 1934 to require issuers to disclose risks related to global pandemics, and for other purposes H.R. 6375, To amend the Securities Exchange Act of 1934 to require issuers to make disclosures related to supply chain disruption risk, and for other purposes H.R. 6790, Business Borrowers Protection Act H.R. 6934, To amend the CARES Act to require the uniform treatment of nationally recognized statistical rating organizations under certain programs carried out in response to the COVID-19 emergency, and for other purposes H.R. 7000, Holding Foreign Companies Accountable Act H.R. 7617, Defense, Commerce, Justice, Science, Energy and Water Development, Financial Services and General Government, Labor, Health and Human Services, Education, Transportation, Housing, and Urban Development Appropriations Act, 2021 H.R. 7668, Financial Services and General Government Appropriations Act, 2021 S. 452, Fostering Innovation Act of 2019 S. 471, Litigation Funding Transparency Act of 2019 S. 566, Expanding Access to Capital for Rural Job Creators Act S. 603, Financial Stability Oversight Council Improvement Act of 2019 S. 1256, PCAOB Enforcement Transparency Act of 2019 S. 1731, Ensuring Quality Information and Transparency for Abroad-Based Listings on our Exchanges (EQUITABLE) Act S. 2391, Stock Buyback Reform and Worker Dividend Act of 2019 S. 3441, Fair Hiring in Banking Act S. 3548, Coronavirus Aid, Relief, and Economic Security (CARES) Act S. 3990, Financial Product Safety Commission Act of 2020 S. 4129, Lifting Our Communities through Advance Liquidity (LOCAL) Infrastructure Act S. 4159, E-SIGN Modernization Act of 2020 Draft legislation titled U.S. Investors and National Security Transparency Act Draft legislation that would extend the statute of limitations for civil penalties by the SEC Draft legislation, the Bad Actor Disqualification Act Draft legislation to require the SEC to study stock buybacks under rule 10b-18 Draft legislation titled the Diverse Asset Managers Act Draft legislation titled the Corporate Human Rights Risk Assessment, Prevention and Mitigation Act Draft legislation to provide certain financial end-users with relief from clearing and margin requirements Draft legislation relating to supplementary leverage ratio treatment of client initial margin Draft legislation to amend the Investment Advisers Act to require the SEC to establish a process to follow when it obtains source code or other sensitive information from investment advisers Draft legislation relating to the underwriting of automobile insurance Draft legislation COVID-19 Restitution Assistance Fund for Victims of Securities Violations Act Draft legislation to enhance civil penalties under the Federal securities laws for violations related to an attempt to exploit investors related to the COVID-19 crisis Draft legislation to temporarily prohibit federal financial regulators from adopting rules not directly related to responding to the coronavirus response through the length of the crisis Draft legislation to apply certain terms and conditions on making direct loans under the CARES Act to certain purchases of debt by the Federal Government, and for other purposes Potential legislation to require the SEC to complete rulemaking required by section 10D of the Securities Exchange Act of 1934 Potential legislation to require the SEC to complete rulemaking required by section 14(i) of the Securities Exchange Act of 1934 Nomination of Mark Calabria to be Director of the Federal Housing Finance Agency Proposed rule on auditor independence with respect to certain loans or debtor-creditor relationships (83 Fed. Reg. 20,753-20,773, May 8, 2018) Proposed regulation on Regulation Best Interest (83 Fed. Reg. 21,574-21,682, May 9, 2018) Proposed Commission interpretation regarding standard of conduct for investment advisers; request for comment on enhancing investment advisor regulation (83 Fed. Reg. 21,203-21,214, May 9, 2018) Proposed rule on form CRS relationship summary; amendments to form ADV; required disclosures in retail communications and restrictions on the use of certain names or titles (83 Fed. Reg. 21,416-21,575, May 9, 2018) Policy to Encourage Trial Disclosure Programs (83 Fed. Reg. 45,574-45,578, September 10, 2018) Proposed changes to applicability thresholds for regulatory capital and liquidity requirements (83 Fed. Reg. 66,024-66,059, December 12, 2018) Proposed rule on prudential standards for large bank holding companies and savings and loan holding companies (83 Fed. Reg. 61,408-61,460, November 29, 2018) Proposed rule regarding standardized approach for calculating the exposure amount of derivative Contracts (84 Fed. Reg. 64,660-64,728, December 17, 2018) Proposed rule on payday, vehicle title, and certain high-cost installment loans; delay of compliance date (84 Fed. Reg. 4,298-4,305, February 14, 2019) Proposed rule on self-regulatory organizations; Financial Industry Regulatory Authority, Inc.; notice of filing of a proposed rule change to establish a corporate bond new issue reference data service (84 Fed. Reg. 13,977-13,983, April 8, 2019) Proposed rule to exemptions from the proxy rules for proxy voting advice (84 Fed. Reg. 66,518-66,559, December 4, 2019) Proposed rule on procedural requirements and resubmission thresholds under Exchange Act Rule 14a-8 (84 Fed. Reg. 66,458-66,515, December 4, 2019) Proposed rule on modernization of Regulation S-K Items 101, 103, and 105 (84 Fed. Reg. 44,358-44,390, August 8, 2019) Proposed rule on regarding margin and capital requirements for covered swap entities (84 Fed. Reg. 59,970-59,989, November 7, 2019) Proposed rule for amendments to Rule 2-01, qualifications of accountants (85 Fed. Reg. 2,332-2,354, January 15, 2020) Proposed rule amending the accredited investor definition (85 Fed. Reg. 2,574-2,613, January 15, 2020) Proposed rule on disclosure of payments by resource extraction issuers (85 Fed. Reg. 2,522-2,571, January 15, 2020) Electronic consent based Social Security number verification (84 Fed. Reg. 66,704-66,705, December 5, 2019) Proposed rule on permissible interest on loans that are sold, assigned, or otherwise transferred (84 Fed. Reg. 64,229-64,232, November 21, 2019) Proposed rule on remittance transfers under the Electronic Fund Transfer Act (Regulation E) (84 Fed. Reg. 67,132-67,167, December 6, 2019) Request for information regarding the integrated mortgage disclosures under the Real Estate Settlement Procedures Act (Regulation X) and the Truth in Lending Act (Regulation Z) rule assessment (84 Fed. Reg. 64,436-64,441, November 22, 2019) Various issues relating to CFPB regulatory sandbox for disclosures; Potential closing of the financial markets in response to the coronavirus pandemic Securities Exchange Commission strategic plan; Securities Exchange Commission Rule 701 Form S-8 reforms; potential legislation related to the rulemaking and enforcement authority of Sec. 619 of the Dodd-Frank Act (P.L.111-203); beneficial ownership; reforms to the Committee on Foreign Investment in the United States; modernization of the Community Reinvestment Act (P.L. 95-128); implementation of the John S. McCain National Defense Authorization Act for Fiscal Year 2019, Title XVII, Foreign Investment Risk Review Modernization Act (P.L. 115-232), including provisions relating to sections 1654 and 1655; 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; Best Interest and Enhancing Investment Adviser Regulation relating to broker-dealers, registered investment advisers, conflicts of interest; potential federal preemption of state fiduciary standards; Public Company Accounting Oversight Board (PCAOB); CFTC Proposed rulemaking on the De Minimis Exception to the Swap Dealer Definition; CFPB policy on no-action letters and compliance assistance sandbox policy; Securities Exchange Commission amendments to the Commissioners whistleblower rules file no. S7-16-18; proxy process, proxy advisory firms, and other related aspects of corporate governance; corporate common ownership; adoption of the current expected credit loss (CECL) accounting standard; role of credit reporting agencies (CRAs) in the U.S. economy; comment on fund of funds arrangements; interest rate restrictions; margin and capital requirements for covered swap entities; Office of the Comptroller of the Currency (OCC) Innovation Pilot Program; debt collection practices (regulation F) under the Fair Debt Collection Practices Act (P.L. 95-109); implementation of section 215 of the Economic Growth Regulatory Relief and Consumer Protection Act (P.L. 115-174); qualified mortgage definition under the Truth and Lending Act (P.L. 90-321) regulation Z; Financial Stability Oversight Council and the designation of nonbank financial firms as systemically important; Federal Reserve System and large institution supervision coordinating committee; updated disclosure requirements and summary prospectus for variable annuity and variable life insurance contracts; amendments to the accelerated filer and large accelerated filer definitions; potential housing finance reform legislation; enforcement of Securities Exchange Commission penalties; order instituting proceedings to determine whether to approve or disapprove a proposed rule change to establish a corporate bond new issue reference data service; comments on modernization of regulation S-K Items 101, 103 and 105 17 CFR Parts 229, 239 and 240; comments on bond reference data proposal; comment period extension request for regulatory capital rules: risk based capital requirements for depository institution holding companies significantly engaged in insurance activities; comments on proposed rule change to introduce a liquidity provider protection on Cboe EDGA; inter-affiliate initial margin relief; substituted compliance and equivalence between the U.S. derivatives regulatory regime and the European Unions European Market Infrastructure Regulation (EMIR); European Supervisory Authority review and provisions regarding portfolio delegation; EU third country equivalency process; EU sustainable finance action plan and incorporating ESG factors into financial services; EU solvency II review; EU review of prudential regime for investment firms; Brexit risks; SEC concept release on harmonization of securities offering exemptions; SEC digital assets; transition from London Interbank Offered Rate (LIBOR) to Secured Overnight Financing Rate (SOFR); Office of the Comptroller of the Currency (OCC), Federal Deposit Insurance Corporation (FDIC), valid when made doctrine; Department of Labor Field Assistance Bulletin No. 2018-01 regarding compliance with Interpretive Bulletin 2016-01 and 2015-01; Incentive based executive compensation regulation under Dodd-Frank Section 956; potential repeal of the State and Local Tax (SALT) cap; amending the accredited investor definition; amendments to exemptions from the proxy rules for proxy voting advice; disclosure of payments by resource extraction issuers; PCAOB concept release on potential approach to revisions to PCAOB quality control standards; procedural requirements and resubmission thresholds under Exchange Act Rule 14a-8; proposed amendments to Rule 2-01, qualifications of accountants; proposed revisions to prohibitions and restrictions on proprietary trading and certain interests in, and relationships with, hedge funds and private equity funds; regulatory capital rules: risk-based capital requirements for depository institution holding companies significantly engaged in insurance activities; revised draft eCBSV user agreement and related materials; credit risk retention-notice of commencement of review; issues relating to federal interest rate authority; comments on margin requirements for non-centrally cleared swaps margin - impact of COVID-19 on initial margin phase-in; Main Street New Loan Facility and Main Street Expanded Loan Facility; Managements Discussion and Analysis, Selected Financial Data, and Supplementary Financial Information; Securities and Exchange Commission Fixed Income Market Structure Advisory Committee; Federal Deposit Insurance Corporation: Unsafe and Unsound Banking Practices: Brokered Deposits; Furthering Economic Stabilization by Encouraging Financial Institutions to Work Constructively with All Borrowers Affected by COVID-19; Liquidity Programs Coronavirus; PCAOB Request for Comment: Interim Analysis of Critical Audit Matter Requirements; Proposed Rule Change to Add a New Discretionary Limit Order Type Called D-Limit; Proposed Rule Change to Align Certain MSRB Rules to Securities and Exchange Act Rule 15l-1, Regulation Best Interest; Proposed Rule Change to FINRAs Suitability, Non-Cash Compensation, and Capital Acquisition Broker Rules in Response to Regulation Best Interest; Federal Reserve Board request for public feedback proposal to expand its Main Street Lending Program to provide access to credit for nonprofit organizations; Regulatory Capital Rule: Revised Transition of the Current Expected Credit Losses (CECL) Methodology for Allowances; Request for Further Clarifications and Modifications to Risk-Based Guidance; RFI to Assist the Taskforce on Federal Consumer Financial Law-CFPB; Sec. 171 DFA Collins Amendment; Use of Derivatives by Registered Investment Companies and Business Development Companies; Required Due Diligence by Broker-Dealers and Registered Investment Advisers Regarding Retail Customers Transactions in Certain Leveraged/Inverse Investment Vehicles; EU renewed sustainable finance strategy consultation; access to capital for minority owned businesses; CFPB comment on changes to Regulation Z to facilitate the upcoming LIBOR transition; debt collection practices (Regulation F): supplemental notice of proposed rulemaking; European Supervisory Authorities consultation paper on ESG Disclosures; FDIC request for information on standard setting and voluntary certification for models and third-party providers of technology and other services; opposing credit suppression; margin and capital requirements for covered swap entities interim final rule; margin requirements for uncleared swaps for swap dealers and major swap participants; national banks and federal savings associations as lenders; proposed rule on financial factors in selecting plan investments; qualified mortgage definition under the Truth In Lending Act (Regulation Z); response to OCC ANPR on National Bank and Federal Savings Association digital activities; proposed rule reporting threshold for institutional investment managers; Housing and Urban Development implementation of the Fair Housing Acts disparate impact standard; FDIC notice of proposed rulemaking on interest rate restrictions on institutions that are less than well capitalized; federal regulatory capital rules: risk-based capital requirements for depository institution holding companies significantly engaged in insurance activities; proposed revisions to prohibitions and restrictions on proprietary trading and certain interests in, and relationships with, hedge funds and private equity funds; FDIC, incorporation of existing statement of policy regarding requests for participation in the affairs of an insured depository institution by convicted individuals; SEC: Proposed Rule Change to FINRAs Suitability, Non-Cash Compensation and Capital Acquisition Broker Rules in Response to Regulation Best Interest; SEC: Proposed Rule Change to Add a New Discretionary Limit Order Type Called D-Limit; SEC: Proposed Rule Change to Align Certain MSRB Rules to Securities and Exchange Act Rule 15l-1, Regulation Best Interest; SEC: Proposed Rule Change on Form 13F Reporting Threshold for Institutional Investment Managers; development of an international insurance capital standard by the International Association of Insurance Supervisors; development of a new program to replace revenue due to business interruption or event cancelation; International Organization of Securities Commissions (IOSCO) consultation on leverage metrics; potential legislation dealing with third party litigation financing and lawsuit lending

Client expense: $20,000,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Army, Dept of (Corps of Engineers), Bureau of Citizenship & Immigration Services (BCIS), Bureau of Industry and Security (BIS), Bureau of Reclamation, 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 Aviation Administration (FAA), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), Federal Energy Regulatory Commission (FERC), Federal Motor Carrier Safety Administration, 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), Housing & Urban Development, Dept of (HUD), 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), Natl Telecommunications & Information Administration (NTIA), Office of Management & Budget (OMB), Office of Science & Technology Policy (OSTP), 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), White House Office

H.R. 3948 Debt Collection Practices Harmonization Act H.R. 4403 Stop Debt Collection Abuse Act H.R. 5021 Ending Debt Collection Harassment Act of 2019 Authority of CFPB Financial Technology ("Fintech") Funding of CFPB HR 1500 -- Consumers First Act Reg BI SEC fiduciary rule Small Business Lending Discrimination Protecting Innocent Consumers Affected by Shutdown Act HR 3618 Free Credit Scores for Consumers Act HR 3621 Student Borrower Credit Improvement Act HR 3622 Restoring Unfairly Impaired Credit and Protecting Consumers Act HR 3642 Improving Credit Reporting for All Consumers Act HR 3629 Clarity in Credit Score Formation Act HR 1423 Forced Arbitration Injustice Repeal (FAIR) Act HR 4254 Overdraft Protection Act of 2019 HR 758 - the Coronavirus Aid, Relief, and Economic Security (CARES) Act S3565 - Small Business and Consumer Debt Collection Emergency Relief Act of 2020 S3560 - Small Business and Consumer Emergency Credit Act S.3509 - A bill to provide borrowers the right to request forbearance on mortgage loan payments... HR 3621, the Comprehensive Credit Reporting Enhancement, Disclosure, Innovation, and Transparency Act of 2020 HR 6470 bil on medical debt relief (K.Porter) HR 5934 SCAM Debt Act Heroes Act (COVID PACKAGE) HJ Res 90 - CRA of Congressional Review Act HR 5332 Protecting your Credit Score Act Senior Investor Pandemic and Fraud Protection Act HR 8252 adding veterans preference question to URLA HR6735 establishing consumer and investor fraud working group

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

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Office of Management & Budget (OMB), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

Issues related to Cyber Security, Data Security & Breach Notification Issues related to Consumer Data Privacy Issues related to data aggregators Issues related to the Consumer Financial Protection Bureau Legislation related to establishing a commission at the CFPB Issues related to the CFPBs rulemaking under the Home Mortgage Disclosure Act 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 CFPB Advisory Opinion Program Issues related to CFPB Taskforce on Consumer Financial Laws Issues related to CFPB Small-dollar Rule Issues related to Dodd-Frank Act, including Section 1071 Issues related to the Ability to Repay Rule, Qualified Mortgage Standards Issues related to Underbanked/Unbanked Consumers Issues related to CFPB No-Action Letter and Project Sandbox Proposal Issues related to CFPB agency guidance Issues related to Seila Law LLC v. Consumer Financial Protection Bureau H.R. 3629, Clarity in Credit Score Formation Act of 2019 H.R. 1423, Forced Arbitration Injustice Repeal Act Issues related to the Federal Reserves Regulation D Issues related to the OCCs Electronic Operations of Federal Savings Associations Issues related to COVID-19 pandemic Issues related to Pub. Law 116-136, Coronavirus Aid, Relief, and Economic Security Act H.R. 6800, Health and Economic Recovery Omnibus Emergency Solutions H.R. 7010, Paycheck Protection Program Flexibility Act of 2020 S. 4117, Paycheck Protection Program Small Business Forgiveness Act H.R. 7777, Paycheck Protection Program Small Business Forgiveness Act H.R. 266, Paycheck Protection Program and Health Care Enhancement Act H.R. 8406, The Heroes Act H.R. 8265, To amend the Small Business Act and the CARES Act to establish a program for second draw loans and make other modifications to the paycheck protection program, and for other purposes. S. 4321, Continuing Small Business Recovery and Paycheck Protection Program Act COVID-19 relief related amendments to S. 178 Issues related to the Heal, Economic Assistance, Liability Protection and Schools Act Issues related to the Paycheck Protection Program Issues related to stimulus payments from Treasury to Americans Issues related to the Main Street Lending Program 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 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. 1161 & S. 2015, The Student Loan Disclosure Modernization Act H.R. 811 & S. 234, Transparency in Student Lending Act H.R. 3621, Student Borrower Credit Improvement Act H.R. 3622, Restoring Unfairly Impaired Credit and Protecting Consumers Act H.R. 2674, the College Affordability Act H.R. 5294, Student Borrower Protection Act of 2019 H.R. 2648, Student Borrower Bankruptcy Relief Act of 2019 Issues related to AML-BSA Reform Issues related to FinCEN CDD Rule Issues related to Appropriations H.R. 264, Financial Services & General Government Appropriations Act, 2020 Issues related to guidance of Deposit Advance Products Issues related to the Fair Credit Reporting Act H.R. 3642, Improving Credit Reporting for All Consumers Act H.R. 953, To prohibit consumer reporting agencies from including adverse information in certain consumer reports, and from making adverse determinations relating to security clearances, with respect to certain individuals affected by the Government shutdown, and for other purposes. H.R. 1500, Consumers First Act Issues related to the Comprehensive Consumer Credit Reporting Reform Act of 2019 Issues related to the Community Reinvestment Act Issues related to the OCC, Federal Reserve, and FDIC modernization of the Community Reinvestment Act Issues related to financial regulatory coordination Issues related to SBA 7(a) Loan Program and fees Issues related to residential real estate appraisal thresholds H.R. 3614, Restricting Credit Checks for Employment Decisions Act H.R. 3618, Free Credit Scores for Consumer Act of 2019 H.R. 5050, the Veterans and Consumers Fair Credit Act Issues related to the Fair Housing Act Issues related to FinTech Issues related to the E-SIGN Act S. 4159, E-SIGN Modernization Act of 2020 Issues related to the OCC Innovation Pilot Program Issues related to the Bank Secrecy Act and Anti-Money Laundering Issues related to the Counter Terrorism & Illicit Finance Act H.R. 2513, the Corporate Transparency Act of 2019 H.R. 2514, the Coordinating Oversight, Upgrading and Innovating Technology, and Examiner Reform Act of 2019 S. 2563, the Improving Laundering Laws and Increasing Comprehensive Information Tracking of Criminal Activity in Shell Holdings Act H.R. 3375, The Stopping Bad Robocalls Act H.R. 1602/H.R. 2015/ S. 151, Telephone Robocall Abuse Criminal Enforcement and Deterrence Act or the TRACED Act Issues related to Parent Companies of Industrial Banks and Industrial Loan Companies 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 Issues related to the FDIC Brokered deposits Rule and Interest Rule Restrictions Issues related to the National Bank Act Reserve Requirements Of Depository Institutions Issues, Reg D, 12 CFE Part 204

Client expense: $600,000 · 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

H.R. 3614, Restricting Credit Checks for Employment Decisions Act H.R. 3618, Free Credit Scores for Consumers Act of 2019 H.R. 3621, Student Borrower Credit Improvement Act H.R. 3622, Restoring Unfairly Impaired Credit and Protecting Consumers Act H.R. 3629, Clarity in Credit Score Formation Act of 2019 H.R. 3987, Alleviating Stress Test Burdens to Help Investors Act H.R. 4805, Access Business Credit Act of 2019 H.R. 5194, Climate Change Financial Risk Act of 2019 H.R. 5332, Protecting Your Credit Score Act of 2019 H.R. 6116, Consumer Financial Protection Commission Act S. 3441, Fair Hiring in Banking Act S. 3548, Coronavirus Aid, Relief, and Economic Security (CARES) Act Various issues relating to the Volcker Rule; development of an international insurance capital standard; proposals to implement a tax on financial transactions; treatment of initial margin for inter-affiliate transactions; Sections 171 and 1071 of the Dodd-Frank Wall Street Reform and Consumer Protection Act (P.L. 111-203); Large Institution Supervision Coordination Committee of the Federal Reserve Board of Governors; request for information regarding the integrated mortgage disclosures under the Real Estate Settlement Procedures Act (P.L. 93-533) (Regulation X) and the Truth in Lending Act (P.L. 90-321) (Regulation Z) rule assessment, Consumer Financial Protection Bureau; remittance transfers under the Electronic Fund Transfer Act (P.L. 95-630) (Regulation E) Consumer Financial Protection Bureau; negative credit suppression; request for information regarding Taskforce on Federal Consumer Financial Law; section 29 of the Federal Deposit Insurance Act (P.L. 81-797) related to brokered deposits; instituting a capital offset in light of implementation of current expected credit losses (CECL); guidance on revised interagency statement on loan modifications by financial institutions working with customers affected by Coronavirus; comments regarding the use of exchange stabilization funds and creation of facilities under 13(3) of the Federal Reserve Act; comments regarding application of affiliation rules to the Paycheck Protection Program; comment letter to Consumer Financial Protection Bureau on facilitating the LIBOR transition (Regulation Z); letter requesting financial markets remain open

Client expense: $20,000,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Army, Dept of (Corps of Engineers), Bureau of Citizenship & Immigration Services (BCIS), Bureau of Industry and Security (BIS), Bureau of Reclamation, 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 Aviation Administration (FAA), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), Federal Energy Regulatory Commission (FERC), Federal Motor Carrier Safety Administration, 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), Housing & Urban Development, Dept of (HUD), 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), Natl Telecommunications & Information Administration (NTIA), Office of Management & Budget (OMB), Office of Science & Technology Policy (OSTP), 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), White House Office

H.R. 56, Financial Technology Protection Act H.R. 87, Midnight Rules Relief Act of 2019 H.R. 189, Financial Institution Customer Protection Act of 2019 H.R. 748/ S. 3548, Coronavirus Aid, Relief, and Economic Security (CARES) Act H.R. 758, Cooperate with Law Enforcement Agencies and Watch Act of 2019 H.R. 969, TABS Act of 2019 H.R. 1018, Improving Corporate Governance Through Diversity Act of 2019 H.R. 1731, Cybersecurity Disclosure Act of 2019 H.R. 1815, SEC Disclosure Effectiveness Testing Act H.R. 2144, Token Taxonomy Act of 2019 H.R. 2154, Digital Taxonomy Act of 2019 H.R. 2409, Expanding Access to Capital for Rural Job Creators Act H.R. 2515, Whistleblower Protection Reform Act of 2019 H.R. 2534, Insider Trading Prohibition Act H.R. 2919, Improving Investment Research for Small and Emerging Issuers Act H.R. 3050, Expanding Investment in Small Businesses Act of 2019 H.R. 3279, Diversity in Corporate Leadership Act of 2019 H.R. 3355, Reward Work Act H.R. 3614, Restricting Credit Checks for Employment Decisions Act H.R. 3618, Free Credit Scores for Consumers Act of 2019 H.R. 3621, Student Borrower Credit Improvement Act H.R. 3622, Restoring Unfairly Impaired Credit and Protecting Consumers Act H.R. 3624/S. 1843 Outsourcing Accountability Act of 2019 H.R. 3625, PCAOB Whistleblower Protection Act of 2019 H.R. 3629, Clarity in Credit Score Formation Act of 2019 H.R. 3641/S. 1854, Stronger Enforcement of Civil Penalties Act of 2019 H.R. 3642, Improving Credit Reporting for All Consumers Act H.R. 3848/S. 2155, Stop Wall Street Looting Act H.R. 3987, Alleviating Stress Test Burdens to Help Investors Act H.R. 4242, Greater Accountability in Pay Act of 2019 H.R. 4320, Corporate Management Accountability Act of 2019 H.R. 4329, ESG Disclosure Simplification Act of 2019 H.R. 4335, 8-K Trading Gap Act of 2019 H.R. 4344, Investor Protection and Capital Markets Fairness Act H.R. 4492/S. 733, Consumer Financial Choice and Capital Markets Protection Act of 2019 H.R. 4726, Certainty for End-Users Act H.R. 4805, Access Business Credit Act of 2019 H.R. 4918, Helping Startups Continue to Grow Act H.R. 5013, Small Business Fair Debt Collection Protection Act H.R. 5084, Improving Corporate Governance Through Diversity Act of 2019 H.R. 5332, Protecting Your Credit Score Act of 2019 H.R. 5494, Catastrophe Loss Mitigation Incentive and Tax Parity Act of 2019 H.R. 5929, Shareholder Political Transparency Act of 2020 H.R. 5930, Workforce Investment Disclosure Act of 2020 H.R. 6116, Consumer Financial Protection Commission Act H.R. 6210, Uyghur Forced Labor Prevention Act H.R. 6270, Uyghur Forced Labor Disclosure Act of 2020 H.R. 6371, To amend the Securities Exchange Act of 1934 to require issuers to disclose risks related to global pandemics, and for other purposes H.R. 6375, To amend the Securities Exchange Act of 1934 to require issuers to make disclosures related to supply chain disruption risk, and for other purposes H.R. 6790, Business Borrowers Protection Act H.R. 6934, To amend the CARES Act to require the uniform treatment of nationally recognized statistical rating organizations under certain programs carried out in response to the COVID-19 emergency, and for other purposes H.R. 7000, Holding Foreign Companies Accountable Act H.R. 7617, Defense, Commerce, Justice, Science, Energy and Water Development, Financial Services and General Government, Labor, Health and Human Services, Education, Transportation, Housing, and Urban Development Appropriations Act, 2021 H.R. 7668, Financial Services and General Government Appropriations Act, 2021 S. 452, Fostering Innovation Act of 2019 S. 471, Litigation Funding Transparency Act of 2019 S. 566, Expanding Access to Capital for Rural Job Creators Act S. 603, Financial Stability Oversight Council Improvement Act of 2019 S. 1256, PCAOB Enforcement Transparency Act of 2019 S. 1731, Ensuring Quality Information and Transparency for Abroad-Based Listings on our Exchanges (EQUITABLE) Act S. 2391, Stock Buyback Reform and Worker Dividend Act of 2019 S. 3441, Fair Hiring in Banking Act S. 3548, Coronavirus Aid, Relief, and Economic Security (CARES) Act S. 3990, Financial Product Safety Commission Act of 2020 S. 4129, Lifting Our Communities through Advance Liquidity (LOCAL) Infrastructure Act S. 4159, E-SIGN Modernization Act of 2020 Draft legislation titled U.S. Investors and National Security Transparency Act Draft legislation that would extend the statute of limitations for civil penalties by the SEC Draft legislation, the Bad Actor Disqualification Act Draft legislation to require the SEC to study stock buybacks under rule 10b-18 Draft legislation titled the Diverse Asset Managers Act Draft legislation titled the Corporate Human Rights Risk Assessment, Prevention and Mitigation Act Draft legislation to provide certain financial end-users with relief from clearing and margin requirements Draft legislation relating to supplementary leverage ratio treatment of client initial margin Draft legislation to amend the Investment Advisers Act to require the SEC to establish a process to follow when it obtains source code or other sensitive information from investment advisers Draft legislation relating to the underwriting of automobile insurance Draft legislation COVID-19 Restitution Assistance Fund for Victims of Securities Violations Act Draft legislation to enhance civil penalties under the Federal securities laws for violations related to an attempt to exploit investors related to the COVID-19 crisis Draft legislation to temporarily prohibit federal financial regulators from adopting rules not directly related to responding to the coronavirus response through the length of the crisis Draft legislation to apply certain terms and conditions on making direct loans under the CARES Act to certain purchases of debt by the Federal Government, and for other purposes Potential legislation to require the SEC to complete rulemaking required by section 10D of the Securities Exchange Act of 1934 Potential legislation to require the SEC to complete rulemaking required by section 14(i) of the Securities Exchange Act of 1934 Nomination of Mark Calabria to be Director of the Federal Housing Finance Agency Proposed rule on auditor independence with respect to certain loans or debtor-creditor relationships (83 Fed. Reg. 20,753-20,773, May 8, 2018) Proposed regulation on Regulation Best Interest (83 Fed. Reg. 21,574-21,682, May 9, 2018) Proposed Commission interpretation regarding standard of conduct for investment advisers; request for comment on enhancing investment advisor regulation (83 Fed. Reg. 21,203-21,214, May 9, 2018) Proposed rule on form CRS relationship summary; amendments to form ADV; required disclosures in retail communications and restrictions on the use of certain names or titles (83 Fed. Reg. 21,416-21,575, May 9, 2018) Policy to Encourage Trial Disclosure Programs (83 Fed. Reg. 45,574-45,578, September 10, 2018) Proposed changes to applicability thresholds for regulatory capital and liquidity requirements (83 Fed. Reg. 66,024-66,059, December 12, 2018) Proposed rule on prudential standards for large bank holding companies and savings and loan holding companies (83 Fed. Reg. 61,408-61,460, November 29, 2018) Proposed rule regarding standardized approach for calculating the exposure amount of derivative Contracts (84 Fed. Reg. 64,660-64,728, December 17, 2018) Proposed rule on payday, vehicle title, and certain high-cost installment loans; delay of compliance date (84 Fed. Reg. 4,298-4,305, February 14, 2019) Proposed rule on self-regulatory organizations; Financial Industry Regulatory Authority, Inc.; notice of filing of a proposed rule change to establish a corporate bond new issue reference data service (84 Fed. Reg. 13,977-13,983, April 8, 2019) Proposed rule to exemptions from the proxy rules for proxy voting advice (84 Fed. Reg. 66,518-66,559, December 4, 2019) Proposed rule on procedural requirements and resubmission thresholds under Exchange Act Rule 14a-8 (84 Fed. Reg. 66,458-66,515, December 4, 2019) Proposed rule on modernization of Regulation S-K Items 101, 103, and 105 (84 Fed. Reg. 44,358-44,390, August 8, 2019) Proposed rule on regarding margin and capital requirements for covered swap entities (84 Fed. Reg. 59,970-59,989, November 7, 2019) Proposed rule for amendments to Rule 2-01, qualifications of accountants (85 Fed. Reg. 2,332-2,354, January 15, 2020) Proposed rule amending the accredited investor definition (85 Fed. Reg. 2,574-2,613, January 15, 2020) Proposed rule on disclosure of payments by resource extraction issuers (85 Fed. Reg. 2,522-2,571, January 15, 2020) Electronic consent based Social Security number verification (84 Fed. Reg. 66,704-66,705, December 5, 2019) Proposed rule on permissible interest on loans that are sold, assigned, or otherwise transferred (84 Fed. Reg. 64,229-64,232, November 21, 2019) Proposed rule on remittance transfers under the Electronic Fund Transfer Act (Regulation E) (84 Fed. Reg. 67,132-67,167, December 6, 2019) Request for information regarding the integrated mortgage disclosures under the Real Estate Settlement Procedures Act (Regulation X) and the Truth in Lending Act (Regulation Z) rule assessment (84 Fed. Reg. 64,436-64,441, November 22, 2019) Various issues relating to CFPB regulatory sandbox for disclosures; Potential closing of the financial markets in response to the coronavirus pandemic Securities Exchange Commission strategic plan; Securities Exchange Commission Rule 701 Form S-8 reforms; potential legislation related to the rulemaking and enforcement authority of Sec. 619 of the Dodd-Frank Act (P.L.111-203); beneficial ownership; reforms to the Committee on Foreign Investment in the United States; modernization of the Community Reinvestment Act (P.L. 95-128); implementation of the John S. McCain National Defense Authorization Act for Fiscal Year 2019, Title XVII, Foreign Investment Risk Review Modernization Act (P.L. 115-232), including provisions relating to sections 1654 and 1655; 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; Best Interest and Enhancing Investment Adviser Regulation relating to broker-dealers, registered investment advisers, conflicts of interest; potential federal preemption of state fiduciary standards; Public Company Accounting Oversight Board (PCAOB); CFTC Proposed rulemaking on the De Minimis Exception to the Swap Dealer Definition; CFPB policy on no-action letters and compliance assistance sandbox policy; Securities Exchange Commission amendments to the Commissioners whistleblower rules file no. S7-16-18; proxy process, proxy advisory firms, and other related aspects of corporate governance; corporate common ownership; adoption of the current expected credit loss (CECL) accounting standard; role of credit reporting agencies (CRAs) in the U.S. economy; comment on fund of funds arrangements; interest rate restrictions; margin and capital requirements for covered swap entities; Office of the Comptroller of the Currency (OCC) Innovation Pilot Program; debt collection practices (regulation F) under the Fair Debt Collection Practices Act (P.L. 95-109); implementation of section 215 of the Economic Growth Regulatory Relief and Consumer Protection Act (P.L. 115-174); qualified mortgage definition under the Truth and Lending Act (P.L. 90-321) regulation Z; Financial Stability Oversight Council and the designation of nonbank financial firms as systemically important; Federal Reserve System and large institution supervision coordinating committee; updated disclosure requirements and summary prospectus for variable annuity and variable life insurance contracts; amendments to the accelerated filer and large accelerated filer definitions; potential housing finance reform legislation; enforcement of Securities Exchange Commission penalties; order instituting proceedings to determine whether to approve or disapprove a proposed rule change to establish a corporate bond new issue reference data service; comments on modernization of regulation S-K Items 101, 103 and 105 17 CFR Parts 229, 239 and 240; comments on bond reference data proposal; comment period extension request for regulatory capital rules: risk based capital requirements for depository institution holding companies significantly engaged in insurance activities; comments on proposed rule change to introduce a liquidity provider protection on Cboe EDGA; inter-affiliate initial margin relief; substituted compliance and equivalence between the U.S. derivatives regulatory regime and the European Unions European Market Infrastructure Regulation (EMIR); European Supervisory Authority review and provisions regarding portfolio delegation; EU third country equivalency process; EU sustainable finance action plan and incorporating ESG factors into financial services; EU solvency II review; EU review of prudential regime for investment firms; Brexit risks; SEC concept release on harmonization of securities offering exemptions; SEC digital assets; transition from London Interbank Offered Rate (LIBOR) to Secured Overnight Financing Rate (SOFR); Office of the Comptroller of the Currency (OCC), Federal Deposit Insurance Corporation (FDIC), valid when made doctrine; Department of Labor Field Assistance Bulletin No. 2018-01 regarding compliance with Interpretive Bulletin 2016-01 and 2015-01; Incentive based executive compensation regulation under Dodd-Frank Section 956; potential repeal of the State and Local Tax (SALT) cap; amending the accredited investor definition; amendments to exemptions from the proxy rules for proxy voting advice; disclosure of payments by resource extraction issuers; PCAOB concept release on potential approach to revisions to PCAOB quality control standards; procedural requirements and resubmission thresholds under Exchange Act Rule 14a-8; proposed amendments to Rule 2-01, qualifications of accountants; proposed revisions to prohibitions and restrictions on proprietary trading and certain interests in, and relationships with, hedge funds and private equity funds; regulatory capital rules: risk-based capital requirements for depository institution holding companies significantly engaged in insurance activities; revised draft eCBSV user agreement and related materials; credit risk retention-notice of commencement of review; issues relating to federal interest rate authority; comments on margin requirements for non-centrally cleared swaps margin - impact of COVID-19 on initial margin phase-in; Main Street New Loan Facility and Main Street Expanded Loan Facility; Managements Discussion and Analysis, Selected Financial Data, and Supplementary Financial Information; Securities and Exchange Commission Fixed Income Market Structure Advisory Committee; Federal Deposit Insurance Corporation: Unsafe and Unsound Banking Practices: Brokered Deposits; Furthering Economic Stabilization by Encouraging Financial Institutions to Work Constructively with All Borrowers Affected by COVID-19; Liquidity Programs Coronavirus; PCAOB Request for Comment: Interim Analysis of Critical Audit Matter Requirements; Proposed Rule Change to Add a New Discretionary Limit Order Type Called D-Limit; Proposed Rule Change to Align Certain MSRB Rules to Securities and Exchange Act Rule 15l-1, Regulation Best Interest; Proposed Rule Change to FINRAs Suitability, Non-Cash Compensation, and Capital Acquisition Broker Rules in Response to Regulation Best Interest; Federal Reserve Board request for public feedback proposal to expand its Main Street Lending Program to provide access to credit for nonprofit organizations; Regulatory Capital Rule: Revised Transition of the Current Expected Credit Losses (CECL) Methodology for Allowances; Request for Further Clarifications and Modifications to Risk-Based Guidance; RFI to Assist the Taskforce on Federal Consumer Financial Law-CFPB; Sec. 171 DFA Collins Amendment; Use of Derivatives by Registered Investment Companies and Business Development Companies; Required Due Diligence by Broker-Dealers and Registered Investment Advisers Regarding Retail Customers Transactions in Certain Leveraged/Inverse Investment Vehicles; EU renewed sustainable finance strategy consultation; access to capital for minority owned businesses; CFPB comment on changes to Regulation Z to facilitate the upcoming LIBOR transition; debt collection practices (Regulation F): supplemental notice of proposed rulemaking; European Supervisory Authorities consultation paper on ESG Disclosures; FDIC request for information on standard setting and voluntary certification for models and third-party providers of technology and other services; opposing credit suppression; margin and capital requirements for covered swap entities interim final rule; margin requirements for uncleared swaps for swap dealers and major swap participants; national banks and federal savings associations as lenders; proposed rule on financial factors in selecting plan investments; qualified mortgage definition under the Truth In Lending Act (Regulation Z); response to OCC ANPR on National Bank and Federal Savings Association digital activities; proposed rule reporting threshold for institutional investment managers; Housing and Urban Development implementation of the Fair Housing Acts disparate impact standard; FDIC notice of proposed rulemaking on interest rate restrictions on institutions that are less than well capitalized; federal regulatory capital rules: risk-based capital requirements for depository institution holding companies significantly engaged in insurance activities; proposed revisions to prohibitions and restrictions on proprietary trading and certain interests in, and relationships with, hedge funds and private equity funds; FDIC, incorporation of existing statement of policy regarding requests for participation in the affairs of an insured depository institution by convicted individuals; SEC: Proposed Rule Change to FINRAs Suitability, Non-Cash Compensation and Capital Acquisition Broker Rules in Response to Regulation Best Interest; SEC: Proposed Rule Change to Add a New Discretionary Limit Order Type Called D-Limit; SEC: Proposed Rule Change to Align Certain MSRB Rules to Securities and Exchange Act Rule 15l-1, Regulation Best Interest; SEC: Proposed Rule Change on Form 13F Reporting Threshold for Institutional Investment Managers; development of an international insurance capital standard by the International Association of Insurance Supervisors; development of a new program to replace revenue due to business interruption or event cancelation; International Organization of Securities Commissions (IOSCO) consultation on leverage metrics; potential legislation dealing with third party litigation financing and lawsuit lending

Client expense: $20,000,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Army, Dept of (Corps of Engineers), Bureau of Citizenship & Immigration Services (BCIS), Bureau of Industry and Security (BIS), Bureau of Reclamation, 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 Aviation Administration (FAA), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), Federal Energy Regulatory Commission (FERC), Federal Motor Carrier Safety Administration, 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), Housing & Urban Development, Dept of (HUD), 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), Natl Telecommunications & Information Administration (NTIA), Office of Management & Budget (OMB), Office of Science & Technology Policy (OSTP), 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), White House Office

Issues impacting the Fair Credit Reporting Act, data breach notification and privacy. Legislation includes, H.R. 3618, the Free Credit Scores for Consumers Act of 2019, H.R. 3642, the Improving Credit Reporting for All Consumers Act and H.R. 3629, the Clarity in Credit Score Formation Act of 2019, the Accurate Access to Credit Information Act; and H.R. 5332, the Protecting Your Credit Score Act. Issues related to data suppression or deletion in credit reports.

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

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

S.1144: improve mapping under the NFIP HR 470: Repeal of Mandatory Flood Insurance Coverage for Commercial Properties H.R.2318: improve mapping under the NFIP, and for other purposes. HR472: Community Mapping Act HR 471: Taxpayer Exposure Mitigation Act/Reinsurance HR 469: To require the use of replacement cost value in determining the premium rates for flood insurance coverage under the NFIP H.R. 1756: Preventing Credit Score Discrimination in Auto Insurance S. 1298 Primary Regulators of Insurance Vote Act (PRIVA Act) of 2019 H.R. 3622: Restoring Unfairly Impaired Credit and Protecting Consumers Act Issues relating to the implementation off the National Association of Registered Agents and Brokers (NARAB) Issues relating to Diversity & Inclusion, Disparate Impact Issues relating to U.S. and international insurance capital standards Issues relating to the Federal Insurance Office Issues relating to the re-authorization and reform for the NFIP HR 3623 Climate Risk Disclosure Act of 2019 HR 3624 Outsourcing Accountability Act HR 3629 Clarify Credit Score Formation Act of 2019 HR 3693 Prohibit Auto Insurance Discrimination Act (Watson-Coleman) S 2201 Clarifying Law Around Insurance of Marijuana (Claim Act) HR 1595 Safe Banking Act HR 4592 International Insurance Standards Act of 2019 HR 3111 National Flood Insurance Program Administrative Reform Act of 2019 HR 3167 National Flood Insurance Program Re-authorization Act of 2019 S 2187 National Flood Insurance Program Re-authorization and Reform Act of 2019 HR 5776 Repeatedly Flooded Communities Preparation Act H.R.6494 - Business Interruption Insurance Coverage Act of 2020 H.R.7011 - Pandemic Risk Insurance Act of 2020 H.R.6497 Never Again Small Business Protection Act of 2020 H.R. 7412, the Business Interruption Relief Act of 2020

Client expense: $900,000 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), Commerce, Dept of (DOC), Consumer Financial Protection Bureau (CFPB), Federal Aviation Administration (FAA), Federal Communications Commission (FCC), Federal Emergency Management Agency (FEMA), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Highway Traffic Safety Administration (NHTSA), Office of Management & Budget (OMB), SENATE, Securities & Exchange Commission (SEC), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Trade Representative (USTR)

Consumers First Act (H.R. 1500); Free Credit Score Act of 2019 (H.R. 2753); Free Credit Scores for Consumers Act of 2019 (H.R. 3618); Clarity in Credit Score Formation Act of 2019 (H.R. 3629); FHA Additional Credit Pilot Program Reauthorization Act (H.R. 123); Fair Access to Credit Scores Act (H.R. 2824); Free Credit Scores for Consumers Act (H.R. 3618); Restoring Unfairly Impaired Credit & Protecting Consumers Act (H.R. 3622); Improving Credit reporting for All Consumers Act (H.R. 3642); Credit Access & Inclusion Act (S. 1826; H.R. 4231); Protecting Your Credit Score Act (H.R. 5332); CARES Act (H.R. 748)[issues related to credit scoring]

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

Government targets: Consumer Financial Protection Bureau (CFPB), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Office of the Comptroller of the Currency (OCC), SENATE

Providing greater access to protection under the Soldiers and Sailors Civil Relief Act to active duty service members. Exempting nationwide consumer reporting agencies from certain provisions of the Credit Repair Organizations Act. Reintroduction of the Credit Access and Inclusion Act. Issues related to draft Fair Credit Reporting Act reform legislation in the House Financial Services Committee. H.R. 2500, National Defense Authorization Act for Fiscal Year 2020, provisions relating to credit monitoring for active duty military. HR 3614, Restricting Credit Checks for Employment Decisions Act, all provisions. HR 3618, Free Credit Scores for Consumers Act of 2019, all provisions. HR 3629, Clarity in Credit Score Formation Act of 2019, all provisions. HR 3642, Improving Credit Reporting for All Consumers Act, all provisions. HR 5332, Protecting Your Credit Score Act of 2019, all provisions. S 3548, Coronavirus Aid, Relief, and Economic Security Act or the CARES Act, provisions affecting credit reporting and credit reporting companies. HR 748, Coronavirus Aid, Relief, and Economic Security Act or the CARES Act, provisions affecting credit reporting and credit reporting companies.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 56, Financial Technology Protection Act H.R. 87, Midnight Rules Relief Act of 2019 H.R. 189, Financial Institution Customer Protection Act of 2019 H.R. 758, Cooperate with Law Enforcement Agencies and Watch Act of 2019 H.R. 969, TABS Act of 2019 H.R. 1018, Improving Corporate Governance Through Diversity Act of 2019 H.R. 1731, Cybersecurity Disclosure Act of 2019 H.R. 1815, SEC Disclosure Effectiveness Testing Act H.R. 2144, Token Taxonomy Act of 2019 H.R. 2154, Digital Taxonomy Act of 2019 H.R. 2409, Expanding Access to Capital for Rural Job Creators Act H.R. 2515, Whistleblower Protection Reform Act of 2019 H.R. 2534, Insider Trading Prohibition Act H.R. 2919, Improving Investment Research for Small and Emerging Issuers Act H.R. 3050, Expanding Investment in Small Businesses Act of 2019 H.R. 3279, Diversity in Corporate Leadership Act of 2019 H.R. 3351, Financial Services and General Government Appropriations Act, 2020 H.R. 3355, Reward Work Act H.R. 3614, Restricting Credit Checks for Employment Decisions Act H.R. 3618, Free Credit Scores for Consumers Act of 2019 H.R. 3621, Student Borrower Credit Improvement Act H.R. 3622, Restoring Unfairly Impaired Credit and Protecting Consumers Act H.R. 3623/ S. 2075, Climate Risk Disclosure Act of 2019 H.R. 3624 Outsourcing Accountability Act of 2019 H.R. 3625, PCAOB Whistleblower Protection Act of 2019 H.R. 3629, Clarity in Credit Score Formation Act of 2019 H.R. 3641/S. 1854, Stronger Enforcement of Civil Penalties Act of 2019 H.R. 3642, Improving Credit Reporting for All Consumers Act H.R. 3848/S. 2155, Stop Wall Street Looting Act H.R. 3987, Alleviating Stress Test Burdens to Help Investors Act H.R. 4242, Greater Accountability in Pay Act of 2019 H.R. 4320, Corporate Management Accountability Act of 2019 H.R. 4329, ESG Disclosure Simplification Act of 2019 H.R. 4335, 8-K Trading Gap Act of 2019 H.R. 4344, To amend the Securities Exchange Act of 1934 to allow the Securities and Exchange Commission to seek and Federal courts to grant disgorgement of unjust enrichment, and for other purposes H.R. 4492/S733, Consumer Financial Choice and Capital Markets Protection Act of 2019 H.R. 4726, Certainty for End-Users Act H.R. 4805, Access Business Credit Act of 2019 H.R. 4918, Helping Startups Continue to Grow Act H.R. 5013, Small Business Fair Debt Collection Protection Act H.R. 5084, Improving Corporate Governance Through Diversity Act of 2019 H.R. 5332, Protecting Your Credit Score Act of 2019 H.R. 5494, Catastrophe Loss Mitigation Incentive and Tax Parity Act of 2019 H.R. 5929, Shareholder Political Transparency Act of 2020 H.R. 5930, Workforce Investment Disclosure Act of 2020 H.R. 6116, Consumer Financial Protection Commission Act H.R. 6371, To amend the Securities Exchange Act of 1934 to require issuers to disclose risks related to global pandemics, and for other purposes H.R. 6375, To amend the Securities Exchange Act of 1934 to require issuers to make disclosures related to supply chain disruption risk, and for other purposes H.R. 6551, CARES Act Section 4014 Technical Corrections Act H.R. 6790, Business Borrowers Protection Act H.R. 6934, To amend the CARES Act to require the uniform treatment of nationally recognized statistical rating organizations under certain programs carried out in response to the COVID-19 emergency, and for other purposes H.R. 7000, Holding Foreign Companies Accountable Act S. 452, Fostering Innovation Act of 2019 S. 566, Expanding Access to Capital for Rural Job Creators Act S. 603, Financial Stability Oversight Council Improvement Act of 2019 S. 1256, PCAOB Enforcement Transparency Act of 2019 S. 1731, Ensuring Quality Information and Transparency for Abroad-Based Listings on our Exchanges (EQUITABLE) Act S. 2391, Stock Buyback Reform and Worker Dividend Act of 2019 S. 2563, Improving Laundering Laws and Increasing Comprehensive Information Tracking of Criminal Activity in Shell Holdings (ILLICIT CASH) Act S. 3548, Coronavirus Aid, Relief, and Economic Security (CARES) Act S. 3990, A bill to amend the Consumer Financial Protection Act of 2010 to make the Bureau of Consumer Financial Protection an independent Financial Product Safety Commission, and for other purposes Draft legislation titled Primary Market Corporate Credit Facility Draft legislation titled Rulemaking Suspension Draft legislation titled Increase Penalties for COVID-related Securities Law Violations Draft legislation titled COVID-19 Restitution Assistance Fund for Victims of Securities Violations Act Draft legislation that would extend the statute of limitations for civil penalties by the SEC Draft legislation, the Bad Actor Disqualification Act Draft legislation to require the SEC to study stock buybacks under rule 10b-18 Draft legislation titled the Diverse Asset Managers Act Draft legislation titled the Corporate Human Rights Risk Assessment, Prevention and Mitigation Act Draft legislation to provide certain financial end-users with relief from clearing and margin requirements Draft legislation relating to supplementary leverage ratio treatment of client initial margin Draft legislation to amend the Investment Advisers Act to require the SEC to establish a process to follow when it obtains source code or other sensitive information from investment advisers Draft legislation relating to the underwriting of automobile insurance Draft legislation COVID-19 Restitution Assistance Fund for Victims of Securities Violations Act Draft legislation to enhance civil penalties under the Federal securities laws for violations related to an attempt to exploit investors related to the COVID-19 crisis Draft legislation to temporarily prohibit federal financial regulators from adopting rules not directly related to responding to the coronavirus response through the length of the crisis Draft legislation to apply certain terms and conditions on making direct loans under the CARES Act to certain purchases of debt by the Federal Government, and for other purposes Potential legislation to require the SEC to complete rulemaking required by section 10D of the Securities Exchange Act of 1934 Potential legislation to require the SEC to complete rulemaking required by section 14(i) of the Securities Exchange Act of 1934 Proposed rule on auditor independence with respect to certain loans or debtor-creditor relationships (83 Fed. Reg. 20,753-20,773, May 8, 2018) Proposed regulation on Regulation Best Interest (83 Fed. Reg. 21,574-21,682, May 9, 2018) Proposed Commission interpretation regarding standard of conduct for investment advisers; request for comment on enhancing investment (83 Fed. Reg. 21,203-21,214, May 9, 2018) Proposed rule on form CRS relationship summary; amendments to form ADV; required disclosures in retail communications and restrictions on the use of certain names or titles (83 Fed. Reg. 21,416-21,575, May 9, 2018) Policy to Encourage Trial Disclosure Programs (83 Fed. Reg. 45,574-45,578, September 10, 2018) Proposed changes to applicability thresholds for regulatory capital and liquidity requirements (83 Fed. Reg. 66,024-66,059, December 21, 2018) Proposed rule on prudential standards for large bank holding companies and savings and loan holding companies (83 Fed. Reg. 61,408-61,460, November 29, 2018) Proposed rule regarding standardized approach for calculating the exposure amount of derivative Contracts (83 Fed. Reg. 64,660-64,728, December 17, 2018) Proposed rule on payday, vehicle title, and certain high-cost installment loans; delay of compliance date (84 Fed. Reg. 4,298-4,305, February 14, 2019) Proposed rule on self-regulatory organizations; Financial Industry Regulatory Authority, Inc.; notice of filing of a proposed rule change to establish a corporate bond new issue reference data service (84 Fed. Reg. 13,977-13,983, April 8, 2019) Proposed rule to exemptions from the proxy rules for proxy voting advice (84 Fed. Reg. 66,518-66,559, December 4, 2019) Proposed rule on procedural requirements and resubmission thresholds under Exchange Act Rule 14a-8 (84 Fed. Reg. 66,458-66,515, December 4, 2019) Proposed rule on modernization of Regulation S-K Items 101, 103, and 105 (84 Fed. Reg. 44,358-44,390, August 23, 2019) Proposed rule on regarding margin and capital requirements for covered swap entities (84 Fed. Reg. 59,970-59,989, November 7, 2019) Proposed rule for amendments to Rule 2-01, qualifications of accountants (85 Fed. Reg. 2,332-2,354, January 15, 2020) Proposed rule amending the accredited investor definition (85 Fed. Reg. 2,574-2,613, January 15, 2020) Proposed rule on disclosure of payments by resource extraction issuers (85 Fed. Reg. 2,522-2,571, January 15, 2020) Electronic consent based Social Security number verification (84 Fed. Reg. 66,704-66,705, December 5, 2019) Proposed rule on permissible interest on loans that are sold, assigned, or otherwise transferred (84 Fed. Reg. 64,229-64,232, November 21, 2019) Proposed rule on remittance transfers under the Electronic Fund Transfer Act (Regulation E) (84 Fed. Reg. 67,132-67,167, December 6, 2019) Request for information regarding the integrated mortgage disclosures under the Real Estate Settlement Procedures Act (Regulation X) and the Truth in Lending Act (Regulation Z) rule assessment (84 Fed. Reg. 64,436-64,441, November 22, 2019) Various issues relating CFPB regulatory sandbox for disclosures; Securities Exchange Commission strategic plan; Securities Exchange Commission Rule 701 Form S-8 reforms; Securities Exchange Commission amendments to the Commissioners whistleblower rules file no. S7-16-18; Public Company Accounting Oversight Board (PCAOB); potential legislation related to the rulemaking and enforcement authority of Sec. 619 of the Dodd-Frank Act (P.L.111-203); beneficial ownership; reforms to the Committee on Foreign Investment in the United States; modernization of the Community Reinvestment Act (P.L. 95-128); implementation of the John S. McCain National Defense Authorization Act for Fiscal Year 2019, Title XVII, Foreign Investment Risk Review Modernization Act (P.L. 115-232), including provisions relating to sections 1654 and 1655; 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; Best Interest and Enhancing Investment Adviser Regulation relating to broker-dealers, registered investment advisers, conflicts of interest; potential federal preemption of state fiduciary standards; CFTC Proposed rulemaking on the De Minimis Exception to the Swap Dealer Definition; proxy process, proxy advisory firms, and other related aspects of corporate governance; corporate common ownership; adoption of the current expected credit loss (CECL) accounting standard; role of credit reporting agencies (CRAs) in the U.S. economy; comment on fund of funds arrangements; interest rate restrictions; margin and capital requirements for covered swap entities; Office of the Comptroller of the Currency (OCC) Innovation Pilot Program; debt collection practices (regulation F) under the Fair Debt Collection Act (P.L. 95-109); implementation of section 215 of the Economic Growth Regulatory Relief and Consumer Protection Act (P.L. 115-174); CFPB policy on no-action letters and compliance assistance sandbox policy; qualified mortgage definition under the Truth and Lending Act (P.L. 90-321) regulation Z; Financial Stability Oversight Council and the designation of nonbank financial firms as systemically important; Federal Reserve System and large institution supervision coordinating committee; updated disclosure requirements and summary prospectus for variable annuity and variable life insurance contracts; amendments to the accelerated filer and large accelerated filer definitions; potential housing finance reform legislation; enforcement of Securities Exchange Commission penalties; order instituting proceedings to determine whether to approve or disapprove a proposed rule change to establish a corporate bond new issue reference data service; comments on modernization of regulation S-K Items 101, 103 and 105 17 CFR Parts 229, 239 and 240; comments on bond reference data proposal; comment period extension request for regulatory capital rules: risk based capital requirements for depository institution holding companies significantly engaged in insurance activities; comments on proposed rule change to introduce a liquidity provider protection on Cboe EDGA; inter-affiliate initial margin relief; substituted compliance and equivalence between the U.S. derivatives regulatory regime and the European Unions European Market Infrastructure Regulation (EMIR); European Supervisory Authority review and provisions regarding portfolio delegation; EU third country equivalency process; EU sustainable finance and incorporating ESG factors into financial services; EU solvency II review; EU review of prudential regime for investment firms; Brexit risks; SEC concept release on harmonization of securities offering exemptions; SEC digital assets; transition from London Interbank Offered Rate (LIBOR) to Secured Overnight Financing Rate (SOFR); Office of the Comptroller of the Currency (OCC), Federal Deposit Insurance Corporation (FDIC), valid when made doctrine; Department of Labor Field Assistance Bulletin No. 2018-01 regarding compliance with Interpretive Bulletin 2016-01 and 2015-01; Incentive based executive compensation regulation under Dodd-Frank Section 956; potential repeal of the State and Local Tax (SALT) cap; amending the accredited investor definition; amendments to exemptions from the proxy rules for proxy voting advice; disclosure of payments by resource extraction issuers; PCAOB concept release on potential approach to revisions to PCAOB quality control standards; procedural requirements and resubmission thresholds under Exchange Act Rule 14a-8; proposed amendments to Rule 2-01, qualifications of accountants; proposed revisions to prohibitions and restrictions on proprietary trading and certain interests in, and relationships with, hedge funds and private equity funds; regulatory capital rules: risk-based capital requirements for depository institution holding companies significantly engaged in insurance activities; revised draft eCBSV user agreement and related materials; credit risk retention-notice of commencement of review; issues relating to federal interest rate authority; comments on margin requirements for non-centrally cleared swaps margin - impact of COVID-19 on initial margin phase-in; issues relating to potential closing of the financial markets in response to the coronavirus pandemic; Main Street New Loan Facility and Main Street Expanded Loan Facility; Managements Discussion and Analysis, Selected Financial Data, and Supplementary Financial Information; Securities and Exchange Commission Fixed Income Market Structure Advisory Committee; Federal Deposit Insurance Corporation: Unsafe and Unsound Banking Practices: Brokered Deposits; Furthering Economic Stabilization by Encouraging Financial Institutions to Work Constructively with All Borrowers Affected by COVID-19; Liquidity Programs Coronavirus; PCAOB Request for Comment: Interim Analysis of Critical Audit Matter Requirements; Proposed Rule Change to Add a New Discretionary Limit Order Type Called D-Limit; Proposed Rule Change to Align Certain MSRB Rules to Securities and Exchange Act Rule 15l-1, Regulation Best Interest; Proposed Rule Change to FINRAs Suitability, Non-Cash Compensation, and Capital Acquisition Broker Rules in Response to Regulation Best Interest; Federal Reserve Board request for public feedback proposal to expand its Main Street Lending Program to provide access to credit for nonprofit organizations; Regulatory Capital Rule: Revised Transition of the Current Expected Credit Losses (CECL) Methodology for Allowances; Request for Further Clarifications and Modifications to Risk-Based Guidance; RFI to Assist the Taskforce on Federal Consumer Financial Law-CFPB; Sec. 171 DFA Collins Amendment; Use of Derivatives by Registered Investment Companies and Business Development Companies; Required Due Diligence by Broker-Dealers and Registered Investment Advisers Regarding Retail Customers Transactions in Certain Leveraged/Inverse Investment Vehicles; Federal Reserve and Treasury to Establish a Short Term Receivable Facility (Fed 13(3) Facility Accounts Receivable); Housing and Urban Development implementation of the Fair Housing Acts disparate impact standard; FDIC notice of proposed rulemaking on interest rate restrictions on institutions that are less than well capitalized; federal regulatory capital rules: risk-based capital requirements for depository institution holding companies significantly engaged in insurance activities; proposed revisions to prohibitions and restrictions on proprietary trading and certain interests in, and relationships with, hedge funds and private equity funds; FDIC, incorporation of existing statement of policy regarding requests for participation in the affairs of an insured depository institution by convicted individuals; SEC: Proposed Rule Change to FINRAs Suitability, Non-Cash Compensation and Capital Acquisition Broker Rules in Response to Regulation Best Interest; SEC: Proposed Rule Change to Add a New Discretionary Limit Order Type Called D-Limit; SEC: Proposed Rule Change to Align Certain MSRB Rules to Securities and Exchange Act Rule 15l-1, Regulation Best Interest; development of an insurance capital standard by the International Association of Insurance Supervisors; International Organization of Securities Commissions (IOSCO) consultation on leverage metrics; utility liquidity issues resulting from the pandemic

Client expense: $12,300,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Army, Dept of (Corps of Engineers), Bureau of Citizenship & Immigration Services (BCIS), Bureau of Industry and Security (BIS), Bureau of Labor Statistics (BLS), Bureau of Reclamation, 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 Aviation Administration (FAA), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), Federal Energy Regulatory Commission (FERC), Federal Motor Carrier Safety Administration, 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), Housing & Urban Development, Dept of (HUD), 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), Natl Telecommunications & Information Administration (NTIA), Office of Management & Budget (OMB), Office of Science & Technology Policy (OSTP), 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), White House Office

H.R. 3614, Restricting Credit Checks for Employment Decisions Act H.R. 3618, Free Credit Scores for Consumers Act of 2019 H.R. 3621, Student Borrower Credit Improvement Act H.R. 3622, Restoring Unfairly Impaired Credit and Protecting Consumers Act H.R. 3629, Clarity in Credit Score Formation Act of 2019 H.R. 3987, Alleviating Stress Test Burdens to Help Investors Act H.R. 4805, Access Business Credit Act of 2019 H.R. 5194, Climate Change Financial Risk Act of 2019 H.R. 5332, Protecting Your Credit Score Act of 2019 H.R. 6116, Consumer Financial Protection Commission Act S. 3548, Coronavirus Aid, Relief, and Economic Security (CARES) Act Various issues relating to the Volcker Rule; development of an international insurance capital standard; proposals to implement a tax on financial transactions; treatment of initial margin for inter-affiliate transactions; the valid when made doctrine; Sections 171 and 1071 of the Dodd-Frank Wall Street Reform and Consumer Protection Act (P.L. 111-203); Large Institution Supervision Coordination Committee of the Federal Reserve Board of Governors; request for information regarding the integrated mortgage disclosures under the Real Estate Settlement Procedures Act (P.L. 93-533) (Regulation X) and the Truth in Lending Act (P.L. 90-321) (Regulation Z) rule assessment, Consumer Financial Protection Bureau; remittance transfers under the Electronic Fund Transfer Act (P.L. 95-630) (Regulation E) Consumer Financial Protection Bureau; negative credit suppression; request for information regarding Taskforce on Federal Consumer Financial Law; section 29 of the Federal Deposit Insurance Act (P.L. 81-797) related to brokered deposits; instituting a capital offset in light of implementation of current expected credit losses (CECL); guidance on revised interagency statement on loan modifications by financial institutions working with customers affected by Coronavirus; comments regarding the use of exchange stabilization funds and creations of facilities under 13(3) of the Federal Reserve Act; comments regarding application of affiliation rules to the Paycheck Protection Program; letter requesting financial markets remain open; banking legislation

Client expense: $12,300,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Army, Dept of (Corps of Engineers), Bureau of Citizenship & Immigration Services (BCIS), Bureau of Industry and Security (BIS), Bureau of Labor Statistics (BLS), Bureau of Reclamation, 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 Aviation Administration (FAA), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), Federal Energy Regulatory Commission (FERC), Federal Motor Carrier Safety Administration, 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), Housing & Urban Development, Dept of (HUD), 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), Natl Telecommunications & Information Administration (NTIA), Office of Management & Budget (OMB), Office of Science & Technology Policy (OSTP), 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), White House Office

S.1144: improve mapping under the NFIP HR 470: Repeal of Mandatory Flood Insurance Coverage for Commercial Properties H.R.2318: improve mapping under the NFIP, and for other purposes. HR472: Community Mapping Act HR 471: Taxpayer Exposure Mitigation Act/Reinsurance HR 469: To require the use of replacement cost value in determining the premium rates for flood insurance coverage under the NFIP H.R. 1756: Preventing Credit Score Discrimination in Auto Insurance S. 1298 Primary Regulators of Insurance Vote Act (PRIVA Act) of 2019 H.R. 3622: Restoring Unfairly Impaired Credit and Protecting Consumers Act Issues relating to the implementation off the National Association of Registered Agents and Brokers (NARAB) Issues relating to Diversity & Inclusion, Disparate Impact Issues relating to U.S. and international insurance capital standards Issues relating to the Federal Insurance Office Issues relating to the re-authorization and reform for the NFIP HR 3623 Climate Risk Disclosure Act of 2019 HR 3624 Outsourcing Accountability Act HR 3629 Clarify Credit Score Formation Act of 2019 HR 3693 Prohibit Auto Insurance Discrimination Act (Watson-Coleman) S 2201 Clarifying Law Around Insurance of Marijuana (Claim Act) HR 1595 Safe Banking Act HR 4592 International Insurance Standards Act of 2019 HR 3111 National Flood Insurance Program Administrative Reform Act of 2019 HR 3167 National Flood Insurance Program Re-authorization Act of 2019 S 2187 National Flood Insurance Program Re-authorization and Reform Act of 2019 HR 5776 Repeatedly Flooded Communities Preparation Act H.R.6494 - Business Interruption Insurance Coverage Act of 2020 H.R.7011 - Pandemic Risk Insurance Act of 2020 H.R.6497 Never Again Small Business Protection Act of 2020 H.R. 7412, the Business Interruption Relief Act of 2020

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

Government targets: Centers For Medicare and Medicaid Services (CMS), Commerce, Dept of (DOC), Consumer Financial Protection Bureau (CFPB), Federal Aviation Administration (FAA), Federal Communications Commission (FCC), Federal Emergency Management Agency (FEMA), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Highway Traffic Safety Administration (NHTSA), Office of Management & Budget (OMB), SENATE, Securities & Exchange Commission (SEC), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Trade Representative (USTR)

Issues impacting the Fair Credit Reporting Act, data breach notification and privacy. Legislation includes, H.R. 3618, the Free Credit Scores for Consumers Act of 2019, H.R. 3642, the Improving Credit Reporting for All Consumers Act and H.R. 3629, the Clarity in Credit Score Formation Act of 2019, the Accurate Access to Credit Information Act; and H.R. 5332, the Protecting Your Credit Score Act..

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

Consumers First Act (H.R. 1500); Free Credit Score Act of 2019 (H.R. 2753); Free Credit Scores for Consumers Act of 2019 (H.R. 3618); Clarity in Credit Score Formation Act of 2019 (H.R. 3629); FHA Additional Credit Pilot Program Reauthorization Act (H.R. 123); Fair Access to Credit Scores Act (H.R. 2824); Free Credit Scores for Consumers Act (H.R. 3618); Restoring Unfairly Impaired Credit & Protecting Consumers Act (H.R. 3622); Improving Credit reporting for All Consumers Act (H.R. 3642); Credit Access & Inclusion Act (S. 1826; H.R. 4231); Protecting Your Credit Score Act (H.R. 5332); CARES Act (H.R. 748)[issues related to credit scoring]

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

Government targets: Consumer Financial Protection Bureau (CFPB), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Office of the Comptroller of the Currency (OCC), SENATE

Issues related to Cyber Security, Data Security & Breach Notification Issues related to Consumer Data Privacy Issues related to data aggregators Issues related to the Consumer Financial Protection Bureau Legislation related to establishing a commission at the CFPB Issues related to the CFPBs rulemaking under the Home Mortgage Disclosure Act 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 CFPB Small-dollar Rule Issues related to Dodd-Frank Act, including Section 1071 Issues related to the Ability to Repay Rule, Qualified Mortgage Standards Issues related to Underbanked/Unbanked Consumers Issues related to CFPB No-Action Letter and Project Sandbox Proposal Issues related to CFPB agency guidance Issues related to Seila Law LLC v. Consumer Financial Protection Bureau H.R. 3629, Clarity in Credit Score Formation Act of 2019 H.R. 1423, Forced Arbitration Injustice Repeal Act Issues related to COVID-19 pandemic H.R. 748, Coronavirus Aid, Relief, and Economic Security Act H.R. 6800, Health and Economic Recovery Omnibus Emergency Solutions Act H.R. 7010, Paycheck Protection Program Flexibility Act of 2020 S. 4117, Paycheck Protection Program Small Business Forgiveness Act H.R. 266, Paycheck Protection Program and Health Care Enhancement Act Issues related to the Paycheck Protection Program Issues related to stimulus payments from Treasury to Americans Issues related to the Main Street Lending Program 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 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. 1161 & S. 2015, The Student Loan Disclosure Modernization Act H.R. 811 & S. 234, Transparency in Student Lending Act H.R. 3621, Student Borrower Credit Improvement Act H.R. 3622, Restoring Unfairly Impaired Credit and Protecting Consumers Act H.R. 2674, the College Affordability Act H.R. 5294, Student Borrower Protection Act of 2019 Issues related to AML-BSA Reform Issues related to FinCEN CDD Rule Issues related to Appropriations H.R. 264, Financial Services & General Government Appropriations Act, 2020 Issues related to guidance of Deposit Advance Products Issues related to the Fair Credit Reporting Act H.R. 3642, Improving Credit Reporting for All Consumers Act H.R. 953, To prohibit consumer reporting agencies from including adverse information in certain consumer reports, and from making adverse determinations relating to security clearances, with respect to certain individuals affected by the Government shutdown, and for other purposes. H.R. 1500, Consumers First Act Issues related to the Comprehensive Consumer Credit Reporting Reform Act of 2019 Issues related to the Community Reinvestment Act Issues related to financial regulatory coordination Issues related to SBA 7(a) Loan Program and fees Issues related to residential real estate appraisal thresholds H.R. 3614, Restricting Credit Checks for Employment Decisions Act H.R. 3618, Free Credit Scores for Consumer Act of 2019 H.R. 5050, the Veterans and Consumers Fair Credit Act Issues related to the Fair Housing Act Issues related to FinTech Issues related to the E-SIGN Act Issues related to the OCC Innovation Pilot Program Issues related to the Bank Secrecy Act and Anti-Money Laundering Issues related to the Counter Terrorism & Illicit Finance Act H.R. 2513, the Corporate Transparency Act of 2019 H.R. 2514, the Coordinating Oversight, Upgrading and Innovating Technology, and Examiner Reform Act of 2019 S. 2563, the Improving Laundering Laws and Increasing Comprehensive Information Tracking of Criminal Activity in Shell Holdings Act H.R. 3375, The Stopping Bad Robocalls Act H.R. 1602/H.R. 2015/ S. 151, Telephone Robocall Abuse Criminal Enforcement and Deterrence Act or the TRACED Act Issues related to Parent Companies of Industrial Banks and Industrial Loan Companies 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 Issues related to the FDIC Brokered deposits Rule and Interest Rule Restrictions Issues related to FDIC Rule 370 Issues related to the National Bank Act Reserve Requirements Of Depository Institutions Issues, Reg D, 12 CFR Part 204

Client expense: $580,000 · 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

S. 3398(EARN IT Act), HR 3629(Internet Child Safety),HR 6935(FY 2021 NDAA), HR 4127(Broadband Infrastructure),HR 486(Dig Once), HR 2760(Next Generation 911) HR 2692(Broadband Conuit)

Client expense: Not reported · Firm income: $52,500

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to the CARES Act H.R. 799, Federal Worker Credit Protection Act of 2019, issues as it relates to the Fair Credit Reporting Act S 535, Protect Federal Workers Act, issues as it relates to the Fair Credit Reporting Act HR 1286,Federal Employee Credit Score Protection Act, issues as it relates to the Fair Credit Reporting Act. HR 3614, Restricting Use of Credit Checks for Employment Decisions Act HR 3618, Free Credit Scores for Consumers Act of 2019 HR 3621, Student Borrower Credit Improvement Act HR 3622, Restoring Unfairly Impaired Credit and Protecting Consumers Act HR 3642, Improving Credit Reporting for All Consumers Act HR 3629, Clarity in Credit Score Formation Act of 2019 HR 1500, the Consumers First Act, Amdt 8, regarding credit score disclosure. HR 2013, The Information Transparency & Personal Data Control Act HR 5332, Protecting Your Credit Score Act of 2019 National Defense Authorization Act for Fiscal Year 2020 Consumer Reporting issues generally Data Protection issues generally Bills amending the Fair Credit Reporting Act, generally.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S.1144: improve mapping under the NFIP HR 470: Repeal of Mandatory Flood Insurance Coverage for Commercial Properties H.R.2318: improve mapping under the NFIP, and for other purposes. HR472: Community Mapping Act HR 471: Taxpayer Exposure Mitigation Act/Reinsurance HR 469: To require the use of replacement cost value in determining the premium rates for flood insurance coverage under the NFIP H.R. 1756: Preventing Credit Score Discrimination in Auto Insurance S. 1298 Primary Regulators of Insurance Vote Act (PRIVA Act) of 2019 H.R. 3622: Restoring Unfairly Impaired Credit and Protecting Consumers Act Issues relating to the implementation off the National Association of Registered Agents and Brokers (NARAB) Issues relating to Diversity & Inclusion, Disparate Impact Issues relating to U.S. and international insurance capital standards Issues relating to the Federal Insurance Office Issues relating to the re-authorization and reform for the NFIP HR 3623 Climate Risk Disclosure Act of 2019 HR 3624 Outsourcing Accountability Act HR 3629 Clarify Credit Score Formation Act of 2019 HR 3693 Prohibit Auto Insurance Discrimination Act (Watson-Coleman) S 2201 Clarifying Law Around Insurance of Marijuana (Claim Act) HR 1595 Safe Banking Act HR 4592 International Insurance Standards Act of 2019 HR 3111 National Flood Insurance Program Administrative Reform Act of 2019 HR 3167 National Flood Insurance Program Re-authorization Act of 2019 S 2187 National Flood Insurance Program Re-authorization and Reform Act of 2019 HR 5776 Repeatedly Flooded Communities Preparation Act

Client expense: $1,390,000 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), Commerce, Dept of (DOC), Consumer Financial Protection Bureau (CFPB), Federal Aviation Administration (FAA), Federal Communications Commission (FCC), Federal Emergency Management Agency (FEMA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Highway Traffic Safety Administration (NHTSA), Office of Management & Budget (OMB), SENATE, Securities & Exchange Commission (SEC), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Trade Representative (USTR)

Issues impacting the Fair Credit Reporting Act, data breach notification and privacy. Legislation includes, H.R. 3618, the Free Credit Scores for Consumers Act of 2019, H.R. 3642, the Improving Credit Reporting for All Consumers Act and H.R. 3629, the Clarity in Credit Score Formation Act of 2019 and the Accurate Access to Credit Information Act.

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. 3614, Restricting Credit Checks for Employment Decisions Act H.R. 3618, Free Credit Scores for Consumers Act of 2019 H.R. 3621, Student Borrower Credit Improvement Act H.R. 3622, Restoring Unfairly Impaired Credit and Protecting Consumers Act H.R. 3629, Clarity in Credit Score Formation Act of 2019 H.R. 3987, Alleviating Stress Test Burdens to Help Investors Act H.R. 4805, Access Business Credit Act of 2019 H.R. 5194, Climate Change Financial Risk Act of 2019 H.R. 5332, Protecting Your Credit Score Act of 2019 H.R. 6116, Consumer Financial Protection Commission Act S. 3548, Coronavirus Aid, Relief, and Economic Security (CARES) Act Various issues relating to the Volcker Rule; implementation of an activities-based approach for systemic risk; development of an international insurance capital standard; proposals to implement a tax on financial transactions; treatment of initial margin for inter-affiliate transactions; the valid when made doctrine; Section 1071 of the Dodd-Frank Wall Street Reform and Consumer Protection Act (P.L. 111-203); Large Institution Supervision Coordination Committee of the Federal Reserve Board of Governors; request for information regarding the integrated mortgage disclosures under the Real Estate Settlement Procedures Act (P.L. 93-533) (Regulation X) and the Truth in Lending Act (P.L. 90-321) (Regulation Z) rule assessment, Consumer Financial Protection Bureau; remittance transfers under the Electronic Fund Transfer Act (P.L. 95-630) (Regulation E) Consumer Financial Protection Bureau; negative credit suppression

Client expense: $15,770,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Army, Dept of (Corps of Engineers), Bureau of Citizenship & Immigration Services (BCIS), Bureau of Industry and Security (BIS), Bureau of Labor Statistics (BLS), Bureau of Reclamation, Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Consumer Financial Protection Bureau (CFPB), Council of Economic Advisers (CEA), 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 Aviation Administration (FAA), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), Federal Energy Regulatory Commission (FERC), Federal Motor Carrier Safety Administration, 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), Housing & Urban Development, Dept of (HUD), 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), Natl Telecommunications & Information Administration (NTIA), Office of Management & Budget (OMB), Office of Science & Technology Policy (OSTP), Office of the Comptroller of the Currency (OCC), Patent & Trademark Office (PTO), 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), White House Office

H.R. 56, Financial Technology Protection Act H.R. 87, Midnight Rules Relief Act of 2019 H.R. 189, Financial Institution Customer Protection Act of 2019 H.R. 758, Cooperate with Law Enforcement Agencies and Watch Act of 2019 H.R. 969, TABS Act of 2019 H.R. 1018, Improving Corporate Governance Through Diversity Act of 2019 H.R. 1731, Cybersecurity Disclosure Act of 2019 H.R. 1815, SEC Disclosure Effectiveness Testing Act H.R. 2144, Token Taxonomy Act of 2019 H.R. 2154, Digital Taxonomy Act of 2019 H.R. 2409, Expanding Access to Capital for Rural Job Creators Act H.R. 2515, Whistleblower Protection Reform Act of 2019 H.R. 2534, Insider Trading Prohibition Act H.R. 2919, Improving Investment Research for Small and Emerging Issuers Act H.R. 3050, Expanding Investment in Small Businesses Act of 2019 H.R. 3279, Diversity in Corporate Leadership Act of 2019 H.R. 3351, Financial Services and General Government Appropriations Act, 2020 H.R. 3355, Reward Work Act H.R. 3614, Restricting Credit Checks for Employment Decisions Act H.R. 3618, Free Credit Scores for Consumers Act of 2019 H.R. 3621, Student Borrower Credit Improvement Act H.R. 3622, Restoring Unfairly Impaired Credit and Protecting Consumers Act H.R. 3623/ S. 2075, Climate Risk Disclosure Act of 2019 H.R. 3624/S. 1843, Outsourcing Accountability Act of 2019 H.R. 3625, PCAOB Whistleblower Protection Act of 2019 H.R. 3629, Clarity in Credit Score Formation Act of 2019 H.R. 3641/S. 1854, Stronger Enforcement of Civil Penalties Act of 2019 H.R. 3642, Improving Credit Reporting for All Consumers Act H.R. 3848/S. 2155, Stop Wall Street Looting Act H.R. 3987, Alleviating Stress Test Burdens to Help Investors Act H.R. 4242, Greater Accountability in Pay Act of 2019 H.R. 4320, Corporate Management Accountability Act of 2019 H.R. 4329, ESG Disclosure Simplification Act of 2019 H.R. 4335, 8-K Trading Gap Act of 2019 H.R. 4344, To amend the Securities Exchange Act of 1934 to allow the Securities and Exchange Commission to seek and Federal courts to grant disgorgement of unjust enrichment, and for other purposes H.R. 4492/S733, Consumer Financial Choice and Capital Markets Protection Act of 2019 H.R. 4726, Certainty for End-Users Act H.R. 4805, Access Business Credit Act of 2019 H.R. 4918, Helping Startups Continue to Grow Act H.R. 5013, Small Business Fair Debt Collection Protection Act H.R. 5084, Improving Corporate Governance Through Diversity Act of 2019 H.R. 5332, Protecting Your Credit Score Act of 2019 H.R. 5494, Catastrophe Loss Mitigation Incentive and Tax Parity Act of 2019 H.R. 5929, Shareholder Political Transparency Act of 2020 H.R. 5930, Workforce Investment Disclosure Act of 2020 H.R. 6116, Consumer Financial Protection Commission Act S. 452, Fostering Innovation Act of 2019 S. 566, Expanding Access to Capital for Rural Job Creators Act S. 603, Financial Stability Oversight Council Improvement Act of 2019 S. 945, Holding Foreign Companies Accountable Act S. 1256, PCAOB Enforcement Transparency Act of 2019 S. 1731, Ensuring Quality Information and Transparency for Abroad-Based Listings on our Exchanges (EQUITABLE) Act S. 2391, Stock Buyback Reform and Worker Dividend Act of 2019 S. 3548, Coronavirus Aid, Relief, and Economic Security (CARES) Act Draft legislation that would extend the statute of limitations for civil penalties by the SEC Draft legislation, the Bad Actor Disqualification Act Draft legislation to require the SEC to study stock buybacks under rule 10b-18 Draft legislation titled the Diverse Asset Managers Act Draft legislation titled the Corporate Human Rights Risk Assessment, Prevention and Mitigation Act Draft legislation to provide certain financial end-users with relief from clearing and margin requirements Draft legislation to amend the Investment Advisers Act to require the SEC to establish a process to follow when it obtains source code or other sensitive information from investment advisers Draft legislation relating to the underwriting of automobile insurance Proposed rule on auditor independence with respect to certain loans or debtor-creditor relationships (83 Fed. Reg. 20,753-20,773, May 8, 2018) Proposed regulation on Regulation Best Interest (83 Fed. Reg. 21,574-21,682, May 9, 2018) Proposed Commission interpretation regarding standard of conduct for investment advisers; request for comment on enhancing investment (83 Fed. Reg. 21,203-21,214, May 9, 2018) Proposed rule on form CRS relationship summary; amendments to form ADV; required disclosures in retail communications and restrictions on the use of certain names or titles (83 Fed. Reg. 21,416-21,575, May 9, 2018) Policy to Encourage Trial Disclosure Programs (83 Fed. Reg. 45,574-45,578, September 10, 2018) Proposed changes to applicability thresholds for regulatory capital and liquidity requirements (83 Fed. Reg. 66,024-66,059, December 21, 2018) Proposed rule on prudential standards for large bank holding companies and savings and loan holding companies (83 Fed. Reg. 61,408-61,460, November 29, 2018) Proposed rule regarding standardized approach for calculating the exposure amount of derivative Contracts (83 Fed. Reg. 64,660-64,728, December 17, 2018) Proposed rule on payday, vehicle title, and certain high-cost installment loans; delay of compliance date (84 Fed. Reg. 4,298-4,305, February 14, 2019) Proposed rule on self-regulatory organizations; Financial Industry Regulatory Authority, Inc.; notice of filing of a proposed rule change to establish a corporate bond new issue reference data service (84 Fed. Reg. 13,977-13,983, April 8, 2019) Proposed rule to exemptions from the proxy rules for proxy voting advice (84 Fed. Reg. 66,518-66,559, December 4, 2019) Proposed rule on procedural requirements and resubmission thresholds under Exchange Act Rule 14a-8 (84 Fed. Reg. 66,458-66,515, December 4, 2019) Proposed rule on modernization of Regulation S-K Items 101, 103, and 105 (84 Fed. Reg. 44,358-44,390, August 23, 2019) Proposed rule on regarding margin and capital requirements for covered swap entities (84 Fed. Reg. 59,970-59,989, November 7, 2019) Proposed rule for amendments to Rule 2-01, qualifications of accountants (85 Fed. Reg. 2,332-2,354, January 15, 2020) Proposed rule amending the accredited investor definition (85 Fed. Reg. 2,574-2,613, January 15, 2020) Proposed rule on disclosure of payments by resource extraction issuers (85 Fed. Reg. 2,522-2,571, January 15, 2020) Electronic consent based Social Security number verification (84 Fed. Reg. 66,704-66,705, December 5, 2019) Proposed rule on permissible interest on loans that are sold, assigned, or otherwise transferred (84 Fed. Reg. 64,229-64,232, November 21, 2019) Proposed rule on remittance transfers under the Electronic Fund Transfer Act (Regulation E) (84 Fed. Reg. 67,132-67,167, December 6, 2019) Request for information regarding the integrated mortgage disclosures under the Real Estate Settlement Procedures Act (Regulation X) and the Truth in Lending Act (Regulation Z) rule assessment (84 Fed. Reg. 64,436-64,441, November 22, 2019) Nomination of Mark Calabria to lead the Federal Housing Finance Agency (FHFA) Various issues relating CFPB regulatory sandbox for disclosures; Securities Exchange Commission strategic plan; Securities Exchange Commission Rule 701 Form S-8 reforms; Securities Exchange Commission amendments to the Commissioners whistleblower rules file no. S7-16-18; Public Company Accounting Oversight Board (PCAOB); supplementary leverage ratios treatment of client initial margin; potential legislation related to the rulemaking and enforcement authority of Sec. 619 of the Dodd-Frank Act (P.L.111-203); potential legislation to require the SEC to complete rulemaking required by section 10D of the Securities Exchange Act of 1934; Potential legislation to require the SEC to complete rulemaking required by section 14(i) of the Securities Exchange Act of 1934; beneficial ownership; reforms to the Committee on Foreign Investment in the United States; modernization of the Community Reinvestment Act (P.L. 95-128); implementation of the John S. McCain National Defense Authorization Act for Fiscal Year 2019, Title XVII, Foreign Investment Risk Review Modernization Act (P.L. 115-232), including provisions relating to sections 1654 and 1655; 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; Best Interest and Enhancing Investment Adviser Regulation relating to broker-dealers, registered investment advisers, conflicts of interest; CFTC Proposed rulemaking on the De Minimis Exception to the Swap Dealer Definition; proxy process, proxy advisory firms, and other related aspects of corporate governance; corporate common ownership; adoption of the current expected credit loss (CECL) accounting standard; role of credit reporting agencies (CRAs) in the U.S. economy; comment on fund of funds arrangements; interest rate restrictions; margin and capital requirements for covered swap entities; Office of the Comptroller of the Currency (OCC) Innovation Pilot Program; debt collection practices (regulation F) under the Fair Debt Collection Act (P.L. 95-109); implementation of section 215 of the Economic Growth Regulatory Relief and Consumer Protection Act (P.L. 115-174); CFPB policy on no-action letters and compliance assistance sandbox policy; qualified mortgage definition under the Truth and Lending Act (P.L. 90-321) regulation Z; Financial Stability Oversight Council and the designation of nonbank financial firms as systemically important; Federal Reserve System and large institution supervision coordinating committee; updated disclosure requirements and summary prospectus for variable annuity and variable life insurance contracts; amendments to the accelerated filer and large accelerated filer definitions; potential housing finance reform legislation; enforcement of Securities Exchange Commission penalties; order instituting proceedings to determine whether to approve or disapprove a proposed rule change to establish a corporate bond new issue reference data service; comments on modernization of regulation S-K Items 101, 103 and 105 17 CFR Parts 229, 239 and 240; comments on bond reference data proposal; comment period extension request for regulatory capital rules: risk based capital requirements for depository institution holding companies significantly engaged in insurance activities; comments on proposed rule change to introduce a liquidity provider protection on Cboe EDGA; inter-affiliate initial margin relief; substituted compliance and equivalence between the U.S. derivatives regulatory regime and the European Unions European Market Infrastructure Regulation (EMIR); European Supervisory Authority review and provisions regarding portfolio delegation; EU third country equivalency process; EU sustainable finance and incorporating ESG factors into financial services; EU solvency II review; EU review of prudential regime for investment firms; Brexit risks; SEC concept release on harmonization of securities offering exemptions; SEC digital assets; transition from London Interbank Offered Rate (LIBOR) to Secured Overnight Financing Rate (SOFR); Office of the Comptroller of the Currency (OCC), Federal Deposit Insurance Corporation (FDIC), valid when made doctrine; Department of Labor Field Assistance Bulletin No. 2018-01 regarding compliance with Interpretive Bulletin 2016-01 and 2015-01; Incentive based executive compensation regulation under Dodd-Frank Section 956; potential repeal of the State and Local Tax (SALT) cap; amending the accredited investor definition; amendments to exemptions from the proxy rules for proxy voting advice; disclosure of payments by resource extraction issuers; PCAOB concept release on potential approach to revisions to PCAOB quality control standards; procedural requirements and resubmission thresholds under Exchange Act Rule 14a-8; proposed amendments to Rule 2-01, qualifications of accountants; proposed revisions to prohibitions and restrictions on proprietary trading and certain interests in, and relationships with, hedge funds and private equity funds; regulatory capital rules: risk-based capital requirements for depository institution holding companies significantly engaged in insurance activities; revised draft eCBSV user agreement and related materials; credit risk retention-notice of commencement of review; issues relating to federal interest rate authority; comments on margin requirements for non-centrally cleared swaps margin - impact of COVID-19 on initial margin phase-in; issues relating to potential closing of the financial markets in response to the coronavirus pandemic; Housing and Urban Development implementation of the Fair Housing Acts disparate impact standard; FDIC notice of proposed rulemaking on interest rate restrictions on institutions that are less than well capitalized; federal regulatory capital rules: risk-based capital requirements for depository institution holding companies significantly engaged in insurance activities; proposed revisions to prohibitions and restrictions on proprietary trading and certain interests in, and relationships with, hedge funds and private equity funds; FDIC, incorporation of existing statement of policy regarding requests for participation in the affairs of an insured depository institution by convicted individuals; development of an insurance capital standard by the International Association of Insurance Supervisors; International Organization of Securities Commissions (IOSCO) consultation on leverage metrics

Client expense: $15,770,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Army, Dept of (Corps of Engineers), Bureau of Citizenship & Immigration Services (BCIS), Bureau of Industry and Security (BIS), Bureau of Labor Statistics (BLS), Bureau of Reclamation, Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Consumer Financial Protection Bureau (CFPB), Council of Economic Advisers (CEA), 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 Aviation Administration (FAA), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), Federal Energy Regulatory Commission (FERC), Federal Motor Carrier Safety Administration, 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), Housing & Urban Development, Dept of (HUD), 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), Natl Telecommunications & Information Administration (NTIA), Office of Management & Budget (OMB), Office of Science & Technology Policy (OSTP), Office of the Comptroller of the Currency (OCC), Patent & Trademark Office (PTO), 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), White House Office

Issues related to Cyber Security, Data Security & Breach Notification Issues related to Consumer Data Privacy Issues related to the California Consumer Privacy Act Issues related to data aggregators Issues related to the Consumer Financial Protection Bureau Legislation related to establishing a commission at the CFPB Issues related to the CFPBs rulemaking under the Home Mortgage Disclosure Act 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 CFPB Small-dollar Rule Issues related to Dodd-Frank Act, including Section 1071 Issues related to the Ability to Repay Rule, Qualified Mortgage Standards Issues related to Underbanked/Unbanked Consumers Issues related to CFPB No-Action Letter and Project Sandbox Proposal Issues related to CFPB agency guidance Issues related to Seila Law LLC v. Consumer Financial Protection Bureau H.R. 3629, Clarity in Credit Score Formation Act of 2019 H.R. 1423, Forced Arbitration Injustice Repeal Act Issues related to COVID-19 pandemic H.R. 748, Coronavirus Aid, Relief, and Economic Security Act Issues related to the Paycheck Protection Program Issues related to stimulus payments from Treasury to Americans 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 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. 1161 & S. 2015, The Student Loan Disclosure Modernization Act H.R. 811 & S. 234, Transparency in Student Lending Act H.R. 3621, Student Borrower Credit Improvement Act H.R. 3622, Restoring Unfairly Impaired Credit and Protecting Consumers Act H.R. 2674, the College Affordability Act H.R. 5294, Student Borrower Protection Act of 2019 Issues related to AML-BSA Reform Issues related to FinCEN CDD Rule Issues related to Appropriations H.R. 264, Financial Services & General Government Appropriations Act, 2020 Issues related to guidance of Deposit Advance Products Issues related to the Fair Credit Reporting Act H.R. 3642, Improving Credit Reporting for All Consumers Act H.R. 953, To prohibit consumer reporting agencies from including adverse information in certain consumer reports, and from making adverse determinations relating to security clearances, with respect to certain individuals affected by the Government shutdown, and for other purposes. H.R. 1500, Consumers First Act Issues related to the Comprehensive Consumer Credit Reporting Reform Act of 2019 Issues related to the Community Reinvestment Act Issues related to financial regulatory coordination Issues related to SBA 7(a) Loan Program and fees Issues related to residential real estate appraisal thresholds H.R. 3614, Restricting Credit Checks for Employment Decisions Act H.R. 3618, Free Credit Scores for Consumer Act of 2019 Issues related to the Fair Housing Act Issues related to FinTech Issues related to the E-SIGN Act Issues related to the OCC Innovation Pilot Program Issues related to the Bank Secrecy Act and Anti-Money Laundering Issues related to the Counter Terrorism & Illicit Finance Act H.R. 2513, the Corporate Transparency Act of 2019 H.R. 2514, the Coordinating Oversight, Upgrading and Innovating Technology, and Examiner Reform Act of 2019 S. 2563, the Improving Laundering Laws and Increasing Comprehensive Information Tracking of Criminal Activity in Shell Holdings Act H.R. 3375, The Stopping Bad Robocalls Act H.R. 1602/H.R. 2015/ S. 151, Telephone Robocall Abuse Criminal Enforcement and Deterrence Act or the TRACED 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 Issues related to the FDIC Brokered deposits Rule and Interest Rule Restrictions Issues related to FDIC Rule 370 Issues related to the National Bank Act

Client expense: $630,000 · 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

Providing greater access to protection under the Soldiers and Sailors Civil Relief Act to active duty service members. Exempting nationwide consumer reporting agencies from certain provisions of the Credit Repair Organizations Act. Reintroduction of the Credit Access and Inclusion Act. Issues related to draft Fair Credit Reporting Act reform legislation in the House Financial Services Committee. H.R. 2500, National Defense Authorization Act for Fiscal Year 2020, provisions relating to credit monitoring for active duty military. HR 3614, Restricting Credit Checks for Employment Decisions Act, all provisions. HR 3618, Free Credit Scores for Consumers Act of 2019, all provisions. HR 3629, Clarity in Credit Score Formation Act of 2019, all provisions. HR 3642, Improving Credit Reporting for All Consumers Act, all provisions. HR 5332, Protecting Your Credit Score Act of 2019, all provisions. S 3548, Coronavirus Aid, Relief, and Economic Security Act or the CARES Act, provisions affecting credit reporting and credit reporting companies. HR 748, Coronavirus Aid, Relief, and Economic Security Act or the CARES Act, provisions affecting credit reporting and credit reporting companies.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Implementation of Section 310 of the Economic Growth, Regulatory Relief, and Consumer Protection Act (P.L. 115-174); FHFAs Rule for Validation and Approval of Credit Score Models (RIN 2590-AA98); Consumers First Act (H.R. 1500); Free Credit Score Act of 2019 (H.R. 2753); Free Credit Scores for Consumers Act of 2019 (H.R. 3618); Clarity in Credit Score Formation Act of 2019 (H.R. 3629); Accurate Access to Credit Information Act (H.R. ____); FHA Additional Credit Pilot Program Reauthorization Act (H.R. 123); Fair Access to Credit Scores Act (H.R. 2824); Free Credit Scores for Consumers Act (H.R. 3618); Restoring Unfairly Impaired Credit & Protecting Consumers Act (H.R. 3622); Improving Credit reporting for All Consumers Act (H.R. 3642); Credit Access & Inclusion Act (S. 1826; H.R. 4231); Protecting Your Credit Score Act (H.R. 5332); CARES Act (H.R. 748)[issues related to credit scoring]

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

Government targets: Consumer Financial Protection Bureau (CFPB), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Office of the Comptroller of the Currency (OCC), SENATE

Legislative and regulatory issues pertaining to credit reporting and scoring, including H.R. 748, H.R. 3614, H.R. 3618, H.R. 3621, H.R. 3622, H.R. 3629, H.R. 3642, H.R. 3821, H.R. 4231, H.R. 4328, H.R. 5332, H.R. 6321, H.R. 6370, H.R. 6379, S. 1828, S. 3508 and S. 3548.

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

Government targets: Consumer Financial Protection Bureau (CFPB), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Natl Economic Council (NEC), SENATE, Social Security Administration (SSA)

Issues related to the CARES Act H.R. 799, Federal Worker Credit Protection Act of 2019, issues as it relates to the Fair Credit Reporting Act S 535, Protect Federal Workers Act, issues as it relates to the Fair Credit Reporting Act HR 1286,Federal Employee Credit Score Protection Act, issues as it relates to the Fair Credit Reporting Act. HR 3614, Restricting Use of Credit Checks for Employment Decisions Act HR 3618, Free Credit Scores for Consumers Act of 2019 HR 3621, Student Borrower Credit Improvement Act HR 3622, Restoring Unfairly Impaired Credit and Protecting Consumers Act HR 3642, Improving Credit Reporting for All Consumers Act HR 3629, Clarity in Credit Score Formation Act of 2019 HR 1500, the Consumers First Act, Amdt 8, regarding credit score disclosure. HR 2013, The Information Transparency & Personal Data Control Act HR 5332, Protecting Your Credit Score Act of 2019 National Defense Authorization Act for Fiscal Year 2020 Consumer Reporting issues generally Data Protection issues generally Bills amending the Fair Credit Reporting Act, generally.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to data privacy. Draft legislation pertaining to the Comprehensive Consumer Credit Reporting Act; H.R. 3614, the Restricting Credit Checks for Employment Decisions Act; H.R. 3618, Free Credit Scores for Consumers Act of 2019; H.R. 3622, Restoring Unfairly Impaired Credit and Protecting Consumers Act; H.R. 3629, Clarity in Credit Score Formation Act of 2019; H.R. 3642, Improving Credit Reporting for all Consumers Act; H.R. 5332, Protecting You Credit Score Act of 2019; H.R. 4231, Credit Access and Inclusion Act of 2019;

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S.1144: improve mapping under the NFIP HR 470: Repeal of Mandatory Flood Insurance Coverage for Commercial Properties H.R.2318: improve mapping under the NFIP, and for other purposes. HR472: Community Mapping Act HR 471: Taxpayer Exposure Mitigation Act/Reinsurance HR 469: To require the use of replacement cost value in determining the premium rates for flood insurance coverage under the NFIP H.R. 1756: Preventing Credit Score Discrimination in Auto Insurance S. 1298 Primary Regulators of Insurance Vote Act (PRIVA Act) of 2019 H.R. 3622: Restoring Unfairly Impaired Credit and Protecting Consumers Act Issues relating to the implementation off the National Association of Registered Agents and Brokers (NARAB) Issues relating to Diversity & Inclusion, Disparate Impact Issues relating to U.S. and international insurance capital standards Issues relating to the Federal Insurance Office Issues relating to the re-authorization and reform for the NFIP HR 3623 Climate Risk Disclosure Act of 2019 HR 3624 Outsourcing Accountability Act HR 3629 Clarify Credit Score Formation Act of 2019 HR 3693 Prohibit Auto Insurance Discrimination Act (Watson-Coleman) S 2201 Clarifying Law Around Insurance of Marijuana (Claim Act) HR 1595 Safe Banking Act HR 4592 International Insurance Standards Act of 2019 HR 3111 National Flood Insurance Program Administrative Reform Act of 2019 HR 3167 National Flood Insurance Program Re-authorization Act of 2019 S 2187 National Flood Insurance Program Re-authorization and Reform Act of 2019

Client expense: $490,000 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), Commerce, Dept of (DOC), Consumer Financial Protection Bureau (CFPB), Federal Aviation Administration (FAA), Federal Communications Commission (FCC), Federal Emergency Management Agency (FEMA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Highway Traffic Safety Administration (NHTSA), Office of Management & Budget (OMB), SENATE, Securities & Exchange Commission (SEC), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Trade Representative (USTR)

Issues related to Cyber Security, Data Security & Breach Notification Issues related to Consumer Data Privacy Issues related to the California Consumer Privacy Act Issues related to data aggregators Issues related to the Consumer Financial Protection Bureau Legislation related to establishing a commission at the CFPB Issues related to the CFPBs rulemaking under the Home Mortgage Disclosure Act 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 CFPB Small-dollar Rule Issues related to Dodd-Frank Act, including Section 1071 Issues related to the Ability to Repay Rule, Qualified Mortgage Standards Issues related to Underbanked/Unbanked Consumers Issues related to CFPB No-Action Letter and Project Sandbox Proposal Issues related to CFPB agency guidance Issues related to Seila Law LLC v. Consumer Financial Protection Bureau H.R. 3629, Clarity in Credit Score Formation Act of 2019 H.R. 1423, Forced Arbitration Injustice Repeal Act 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 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. 1161 & S. 2015, The Student Loan Disclosure Modernization Act H.R. 811 & S. 234, Transparency in Student Lending Act H.R. 3621, Student Borrower Credit Improvement Act H.R. 3622, Restoring Unfairly Impaired Credit and Protecting Consumers Act H.R. 4674, the College Affordability Act H.R. 5294, Student Borrower Protections Act of 2019 H.R. 5332, Protecting Your Credit Score Act of 2019 H.R. 4545, Private Loan Disability Discharge Act of 2019 Issues related to AML-BSA Reform Issues related to FinCEN CDD Rule Issues related to Appropriations H.R. 264, Financial Services & General Government Appropriations Act, 2020 Issues related to guidance of Deposit Advance Products Issues related to the Fair Credit Reporting Act H.R. 3642, Improving Credit Reporting for All Consumers Act H.R. 953, To prohibit consumer reporting agencies from including adverse information in certain consumer reports, and from making adverse determinations relating to security clearances, with respect to certain individuals affected by the Government shutdown, and for other purposes. H.R. 1500, Consumers First Act Issues related to the Comprehensive Consumer Credit Reporting Reform Act of 2019 Issues related to the Community Reinvestment Act Issues related to financial regulatory coordination Issues related to SBA 7(a) Loan Program and fees Issues related to residential real estate appraisal thresholds H.R. 3614, Restricting Credit Checks for Employment Decisions Act H.R. 3618, Free Credit Scores for Consumer Act of 2019 Issues related to the Fair Housing Act Issues related to FinTech Issues related to the E-SIGN Act Issues related to the OCC Innovation Pilot Program Issues related to the Bank Secrecy Act and Anti-Money Laundering Issues related to the Counter Terrorism & Illicit Finance Act H.R. 2513, the Corporate Transparency Act of 2019 H.R. 2514, the Coordinating Oversight, Upgrading and Innovating Technology, and Examiner Reform Act of 2019 S. 2563, the Improving Laundering Laws and Increasing Comprehensive Information Tracking of Criminal Activity in Shell Holdings Act H.R. 3375, The Stopping Bad Robocalls Act H.R. 1602/H.R. 2015/ S. 151, Telephone Robocall Abuse Criminal Enforcement and Deterrence Act or the TRACED 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 Issues related to the FDIC Brokered deposits Rule and Interest Rule Restrictions Issues related to FDIC Rule 370 Issues related to the National Bank Act

Client expense: $1,090,000 · 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

H.R. 3614, Restricting Credit Checks for Employment Decisions Act H.R. 3618, Free Credit Scores for Consumers Act of 2019 H.R. 3621, Student Borrower Credit Improvement Act H.R. 3622, Restoring Unfairly Impaired Credit and Protecting Consumers Act H.R. 3629, Clarity in Credit Score Formation Act of 2019 H.R. 3987, Alleviating Stress Test Burdens to Help Investors Act H.R. 4805, Access Business Credit Act of 2019 H.R. 5194, Climate Change Financial Risk Act of 2019 H.R. 5332, Protecting Your Credit Score Act of 2019 Various issues relating to the Volcker Rule; implementation of an activities-based approach for systemic risk; development of an international insurance capital standard; proposals to implement a tax on financial transactions; treatment of initial margin for inter-affiliate transactions; the valid when made doctrine; Section 1071 of the Dodd-Frank Wall Street Reform and Consumer Protection Act (P.L. 111-203); Large Institution Supervision Coordination Committee of the Federal Reserve Board of Governors

Client expense: $16,900,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Army, Dept of (Corps of Engineers), Bureau of Labor Statistics (BLS), Bureau of Reclamation, 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 Aviation Administration (FAA), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), Federal Energy Regulatory Commission (FERC), Federal Motor Carrier Safety Administration, Federal Reserve System, Federal Trade Commission (FTC), General Services Administration (GSA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Interior, Dept of (DOI), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Economic Council (NEC), Natl Labor Relations Board (NLRB), Natl Security Council (NSC), Natl Telecommunications & Information Administration (NTIA), Office of Management & Budget (OMB), Office of Science & Technology Policy (OSTP), Office of the Comptroller of the Currency (OCC), Patent & Trademark Office (PTO), 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), White House Office

H.R. 56, Financial Technology Protection Act H.R. 87, Midnight Rules Relief Act of 2019 H.R. 189, Financial Institution Customer Protection Act of 2019 H.R. 758, Cooperate with Law Enforcement Agencies and Watch Act of 2019 H.R. 969, TABS Act of 2019 H.R. 1018, Improving Corporate Governance Through Diversity Act of 2019 H.R. 1731, Cybersecurity Disclosure Act of 2019 H.R. 1815, SEC Disclosure Effectiveness Testing Act H.R. 2144, Token Taxonomy Act of 2019 H.R. 2154, Digital Taxonomy Act of 2019 H.R. 2409, Expanding Access to Capital for Rural Job Creators Act H.R. 2515, Whistleblower Protection Reform Act of 2019 H.R. 2534, Insider Trading Prohibition Act H.R. 2919, Improving Investment Research for Small and Emerging Issuers Act H.R. 3050, Expanding Investment in Small Businesses Act of 2019 H.R. 3088/S. 1630, Shareholder Protection Act of 2019 H.R. 3164/S. 2522, Agriculture, Rural Development, Food and Drug Administration, and Related Agencies Appropriations Act, 2020, including potential provisions relating to relief for inter-affiliate derivatives transactions H.R. 3279, Diversity in Corporate Leadership Act of 2019 H.R. 3351, Financial Services and General Government Appropriations Act, 2020 H.R. 3355, Reward Work Act H.R. 3614, Restricting Credit Checks for Employment Decisions Act H.R. 3618, Free Credit Scores for Consumers Act of 2019 H.R. 3621, Student Borrower Credit Improvement Act H.R. 3622, Restoring Unfairly Impaired Credit and Protecting Consumers Act H.R. 3623/ S. 2075, Climate Risk Disclosure Act of 2019 H.R. 3624/S. 1843, Outsourcing Accountability Act of 2019 H.R. 3625, PCAOB Whistleblower Protection Act of 2019 H.R. 3629, Clarity in Credit Score Formation Act of 2019 H.R. 3641/S. 1854, Stronger Enforcement of Civil Penalties Act of 2019 H.R. 3642, Improving Credit Reporting for All Consumers Act H.R. 3848/S. 2155, Stop Wall Street Looting Act H.R. 3987, Alleviating Stress Test Burdens to Help Investors Act H.R. 4242, Greater Accountability in Pay Act of 2019 H.R. 4320, Corporate Management Accountability Act of 2019 H.R. 4329, ESG Disclosure Simplification Act of 2019 H.R. 4335, 8-K Trading Gap Act of 2019 H.R. 4344, To amend the Securities Exchange Act of 1934 to allow the Securities and Exchange Commission to seek and Federal courts to grant disgorgement of unjust enrichment, and for other purposes H.R. 4726, Certainty for End-Users Act H.R. 4805, Access Business Credit Act of 2019 H.R. 4918, Helping Startups Continue to Grow Act H.R. 5013, Small Business Fair Debt Collection Protection Act H.R. 5084, Improving Corporate Governance Through Diversity Act of 2019 H.R. 5332, Protecting Your Credit Score Act of 2019 S. 452, Fostering Innovation Act of 2019 S. 566, Expanding Access to Capital for Rural Job Creators Act S. 603, Financial Stability Oversight Council Improvement Act of 2019 S. 945, Holding Foreign Companies Accountable Act S. 1256, PCAOB Enforcement Transparency Act of 2019 S. 1731, Ensuring Quality Information and Transparency for Abroad-Based Listings on our Exchanges (EQUITABLE) Act S. 2391, Stock Buyback Reform and Worker Dividend Act of 2019 Draft legislation that would extend the statute of limitations for civil penalties by the SEC Draft legislation, the Bad Actor Disqualification Act Draft legislation, a bill to amend the Securities Exchange Act of 1934 to require issuers to disclose information about human capital management in annual reports Draft legislation to require the SEC to study stock buybacks under rule 10b-18 Draft legislation titled the Diverse Asset Managers Act Draft legislation titled the Corporate Human Rights Risk Assessment, Prevention and Mitigation Act Draft legislation to provide certain financial end-users with relief from clearing and margin requirements Proposed rule on auditor independence with respect to certain loans or debtor-creditor relationships (83 Fed. Reg. 20,753-20,773, May 8, 2018) Proposed regulation on Regulation Best Interest (83 Fed. Reg. 21,574-21,682, May 9, 2018) Proposed Commission interpretation regarding standard of conduct for investment advisers; request for comment on enhancing investment (83 Fed. Reg. 21,203-21,214, May 9, 2018) Proposed rule on form CRS relationship summary; amendments to form ADV; required disclosures in retail communications and restrictions on the use of certain names or titles (83 Fed. Reg. 21,416-21,575, May 9, 2018) Policy to Encourage Trial Disclosure Programs (83 Fed. Reg. 45,574-45,578, September 10, 2018) Proposed changes to applicability thresholds for regulatory capital and liquidity requirements (83 Fed. Reg. 66,024-66,059, December 21, 2018) Proposed rule on prudential standards for large bank holding companies and savings and loan holding companies (83 Fed. Reg. 61,408-61,460, November 29, 2018) Proposed rule regarding standardized approach for calculating the exposure amount of derivative Contracts (83 Fed. Reg. 64,660-64,728, December 17, 2018) Proposed rule on payday, vehicle title, and certain high-cost installment loans; delay of compliance date (84 Fed. Reg. 4,298-4,305, February 14, 2019) Proposed rule on self-regulatory organizations; Financial Industry Regulatory Authority, Inc.; notice of filing of a proposed rule change to establish a corporate bond new issue reference data service (84 Fed. Reg. 13,977-13,983, April 8, 2019) Proposed rule to exemptions from the proxy rules for proxy voting advice (84 Fed. Reg. 66,518-66,559, December 4, 2019) Proposed rule on procedural requirements and resubmission thresholds under Exchange Act Rule 14a-8 (84 Fed. Reg. 66,458-66,515, December 4, 2019) Proposed rule on modernization of Regulation S-K Items 101, 103, and 105 (84 Fed. Reg. 44,358-44,390, August 23, 2019) Proposed rule on regarding margin and capital requirements for covered swap entities (84 Fed. Reg. 59,970-59,989, November 7, 2019) Nomination of Mark Calabria to lead the Federal Housing Finance Agency (FHFA) Various issues relating CFPB regulatory sandbox for disclosures; Securities Exchange Commission strategic plan; Securities Exchange Commission Rule 701 Form S-8 reforms; Securities Exchange Commission amendments to the Commissioners whistleblower rules file no. S7-16-18; Public Company Accounting Oversight Board (PCAOB); supplementary leverage ratios treatment of client initial margin; potential legislation related to the rulemaking and enforcement authority of Sec. 619 of the Dodd-Frank Act (P.L.111-203); potential legislation to require the SEC to complete rulemaking required by section 10D of the Securities Exchange Act of 1934; Potential legislation to require the SEC to complete rulemaking required by section 14(i) of the Securities Exchange Act of 1934; beneficial ownership; reforms to the Committee on Foreign Investment in the United States; modernization of the Community Reinvestment Act (P.L. 95-128); implementation of the John S. McCain National Defense Authorization Act for Fiscal Year 2019, Title XVII, Foreign Investment Risk Review Modernization Act (P.L. 115-232), including provisions relating to sections 1654 and 1655; 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; Best Interest and Enhancing Investment Adviser Regulation relating to broker-dealers, registered investment advisers, conflicts of interest; CFTC Proposed rulemaking on the De Minimis Exception to the Swap Dealer Definition; proxy process, proxy advisory firms, and other related aspects of corporate governance; corporate common ownership; adoption of the current expected credit loss (CECL) accounting standard; role of credit reporting agencies (CRAs) in the U.S. economy; comment on fund of funds arrangements; interest rate restrictions; margin and capital requirements for covered swap entities; Office of the Comptroller of the Currency (OCC) Innovation Pilot Program; debt collection practices (regulation F) under the Fair Debt Collection Act (P.L. 95-109); implementation of section 215 of the Economic Growth Regulatory Relief and Consumer Protection Act (P.L. 115-174); CFPB policy on no-action letters and compliance assistance sandbox policy; qualified mortgage definition under the Truth and Lending Act (P.L. 90-321) regulation Z; Financial Stability Oversight Council and the designation of nonbank financial firms as systemically important; Federal Reserve System and large institution supervision coordinating committee; updated disclosure requirements and summary prospectus for variable annuity and variable life insurance contracts; amendments to the accelerated filer and large accelerated filer definitions; potential housing finance reform legislation; enforcement of Securities Exchange Commission penalties; order instituting proceedings to determine whether to approve or disapprove a proposed rule change to establish a corporate bond new issue reference data service; comments on modernization of regulation S-K Items 101, 103 and 105 17 CFR Parts 229, 239 and 240; comments on bond reference data proposal; comment period extension request for regulatory capital rules: risk based capital requirements for depository institution holding companies significantly engaged in insurance activities; comments on proposed rule change to introduce a liquidity provider protection on Cboe EDGA; inter-affiliate initial margin relief; substituted compliance and equivalence between the U.S. derivatives regulatory regime and the European Unions European Market Infrastructure Regulation (EMIR); European Supervisory Authority review and provisions regarding portfolio delegation; EU third country equivalency process; EU sustainable finance and incorporating ESG factors into financial services; upcoming IOSCO proposal on funds use of leverage; EU review of prudential regime for investment firms; Brexit risks; SEC concept release on harmonization of securities offering exemptions; SEC digital assets; transition from London Interbank Offered Rate (LIBOR) to Secured Overnight Financing Rate (SOFR); Office of the Comptroller of the Currency (OCC), Federal Deposit Insurance Corporation (FDIC), valid when made doctrine; Department of Labor Field Assistance Bulletin No. 2018-01 regarding compliance with Interpretive Bulletin 2016-01 and 2015-01; Incentive based executive compensation regulation under Dodd-Frank Section 956; potential repeal of the State and Local Tax (SALT) cap

Client expense: $16,900,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Army, Dept of (Corps of Engineers), Bureau of Labor Statistics (BLS), Bureau of Reclamation, 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 Aviation Administration (FAA), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), Federal Energy Regulatory Commission (FERC), Federal Motor Carrier Safety Administration, Federal Reserve System, Federal Trade Commission (FTC), General Services Administration (GSA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Interior, Dept of (DOI), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Economic Council (NEC), Natl Labor Relations Board (NLRB), Natl Security Council (NSC), Natl Telecommunications & Information Administration (NTIA), Office of Management & Budget (OMB), Office of Science & Technology Policy (OSTP), Office of the Comptroller of the Currency (OCC), Patent & Trademark Office (PTO), 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), White House Office

Issues impacting the Fair Credit Reporting Act, data breach notification and privacy. Legislation includes, H.R. 3618, the Free Credit Scores for Consumers Act of 2019, H.R. 3642, the Improving Credit Reporting for All Consumers Act and H.R. 3629, the Clarity in Credit Score Formation Act of 2019 and the Accurate Access to Credit Information Act.

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. 2290 Shutdown Guidance for Financial Institutions Act - Issues as it relates to government shutdowns. H.R. 4328 Protecting Innocent Consumer Affected by a Shutdown Act - Issues as it relates to government shutdowns. H.R. 3629 Clarity in Credit Score Formation Act of 2019 - Issues as it relates to amending the Fair Credit Reporting Act. H.R. 3621 Student Borrower Credit Improvement Act - Issues as it relates to amending the Fair Credit Reporting Act. H.R. 3614 Restricting Use of Credit Checks for Employment Decisions Act - Issues as it relates to amending the Fair Credit Reporting Act. H.R. 3618 Free Credit Score for Consumers Act for 2019 - Issues as it relates to credit scores. H.R. 3622 Restoring Unfairly Impaired Credit and Protecting Consumers Act - - Issues as it relates to amending the Fair Credit Reporting Act. H.R. 3642 Improving Credit Reporting for All Consumers Act - Issues as it relates to amending the Fair Credit Reporting Act. H.R. 123 FHA Additional Credit Pilot Program Reauthorization Act - Issues as it relates to consumer credit. H.R. 5330 Consumer Protections for Medical Debt Collections Act - Issues as it relates to consumer reports. H.R. 5332 Protecting Your Credit Score Act of 2019 - Issues as it relates to amending the Fair Credit Reporting Act. H.R. 4395 Clean Slate through Consolidation Act - Issues as it relates to student loans. H.R. 4396 Clean Slate through Repayment Act of 2019 - Issues as it relates to student loans. Other draft legislation amending the Fair Credit Reporting Act. H.R. 2500 National Defense Authorization Act - Issues as it relates to credit reporting. H.R. 4686 SAMI'S Law - Issues as it relates to require illuminated signs and other measures on ride-hailing vehicles, to prohibit the sale of such signs, to require ride-hailing companies to implement an electronic access system on ride-hailing vehicles. H.R. 4360 VA Overpayment Accountability Act - Issues as it relates to consumer reporting agencies. H.R. 3262 SAMI's Law - Issues as it relates to require illuminated signs and other measures on ride-hailing vehicles, to prohibit the sale of such signs, to require ride-hailing companies to implement an electronic access system on ride-hailing vehicles. H.R. 3012 The bipartisan Veteran's Credit Protection Act - Issues as it relates to credit reports. S 2631 Identity Theft Victims Protections Act - Issues as it relates to amending the Fair Credit Reporting Act. H.R. 2013 The Information Transparency & Personal Data Control Act - Issues as it relates to Federal Trade Commission to promulgate regulations related to sensitive personal information, and for other purposes.

Client expense: $240,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to Cyber Security, Data Security & Breach Notification Issues related to Consumer Data Privacy Issues related to the California Consumer Privacy Act Issues related to data aggregators Issues related to the Consumer Financial Protection Bureau Legislation related to establishing a commission at the CFPB Issues related to the CFPBs rulemaking under the Home Mortgage Disclosure Act 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 CFPB Small-dollar Rule Issues related to Dodd-Frank Act, including Section 1071 Issues related to the Ability to Repay Rule, Qualified Mortgage Standards Issues related to Underbanked/Unbanked Consumers Issues related to CFPB No-Action Letter and Project Sandbox Proposal Issues related to CFPB agency guidance Issues related to Seila Law LLC v. Consumer Financial Protection Bureau H.R. 3629, Clarity in Credit Score Formation Act of 2019 H.R. 1423, Forced Arbitration Injustice Repeal Act 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 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. 1161 & S. 2015, The Student Loan Disclosure Modernization Act H.R. 811 & S. 234, Transparency in Student Lending Act H.R. 3621, Student Borrower Credit Improvement Act H.R. 3622, Restoring Unfairly Impaired Credit and Protecting Consumers Act H.R. 2674, the College Affordability Act H.R. 5294, Student Borrower Protection Act of 2019 Issues related to AML-BSA Reform Issues related to FinCEN CDD Rule Issues related to Appropriations H.R. 264, Financial Services & General Government Appropriations Act, 2020 Issues related to guidance of Deposit Advance Products Issues related to the Fair Credit Reporting Act H.R. 3642, Improving Credit Reporting for All Consumers Act H.R. 953, To prohibit consumer reporting agencies from including adverse information in certain consumer reports, and from making adverse determinations relating to security clearances, with respect to certain individuals affected by the Government shutdown, and for other purposes. H.R. 1500, Consumers First Act Issues related to the Comprehensive Consumer Credit Reporting Reform Act of 2019 Issues related to the Community Reinvestment Act Issues related to financial regulatory coordination Issues related to SBA 7(a) Loan Program and fees Issues related to residential real estate appraisal thresholds H.R. 3614, Restricting Credit Checks for Employment Decisions Act H.R. 3618, Free Credit Scores for Consumer Act of 2019 Issues related to the Fair Housing Act Issues related to FinTech Issues related to the E-SIGN Act Issues related to the OCC Innovation Pilot Program Issues related to the Bank Secrecy Act and Anti-Money Laundering Issues related to the Counter Terrorism & Illicit Finance Act H.R. 2513, the Corporate Transparency Act of 2019 H.R. 2514, the Coordinating Oversight, Upgrading and Innovating Technology, and Examiner Reform Act of 2019 S. 2563, the Improving Laundering Laws and Increasing Comprehensive Information Tracking of Criminal Activity in Shell Holdings Act H.R. 3375, The Stopping Bad Robocalls Act H.R. 1602/H.R. 2015/ S. 151, Telephone Robocall Abuse Criminal Enforcement and Deterrence Act or the TRACED 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 Issues related to the FDIC Brokered deposits Rule and Interest Rule Restrictions Issues related to FDIC Rule 370 Issues related to the National Bank Act

Client expense: $1,090,000 · 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

Providing greater access to protection under the Soldiers and Sailors Civil Relief Act to active duty service members. Exempting nationwide consumer reporting agencies from certain provisions of the Credit Repair Organizations Act. Reintroduction of the Credit Access and Inclusion Act. Issues related to draft Fair Credit Reporting Act reform legislation in the House Financial Services Committee. H.R. 2500, National Defense Authorization Act for Fiscal Year 2020, provisions relating to credit monitoring for active duty military. HR 3614, Restricting Credit Checks for Employment Decisions Act, all provisions. HR 3618, Free Credit Scores for Consumers Act of 2019, all provisions. HR 3629, Clarity in Credit Score Formation Act of 2019, all provisions. HR 3642, Improving Credit Reporting for All Consumers Act, all provisions. HR 5332, Protecting Your Credit Score Act of 2019, all provisions.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Legislative and regulatory issues pertaining to credit reporting and scoring, including H.R. 3614, H.R. 3618, H.R. 3621, H.R. 3622, H.R. 3629, H.R. 3642, H.R. 3821, H.R. 4231, H.R. 4328, S. 1828, H.R. 2500, S. 1790, S. 2631, S. 2685, H.R. 5330 and H.R. 5332.

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

Government targets: Consumer Financial Protection Bureau (CFPB), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), SENATE, Social Security Administration (SSA), Treasury, Dept of

H.R. 799, Federal Worker Credit Protection Act of 2019, issues as it relates to the Fair Credit Reporting Act S 535, Protect Federal Workers Act, issues as it relates to the Fair Credit Reporting Act HR 1286,Federal Employee Credit Score Protection Act, issues as it relates to the Fair Credit Reporting Act. HR 3614, Restricting Use of Credit Checks for Employment Decisions Act HR 3618, Free Credit Scores for Consumers Act of 2019 HR 3621, Student Borrower Credit Improvement Act HR 3622, Restoring Unfairly Impaired Credit and Protecting Consumers Act HR 3642, Improving Credit Reporting for All Consumers Act HR 3629, Clarity in Credit Score Formation Act of 2019 HR 1500, the Consumers First Act, Amdt 8, regarding credit score disclosure. HR 2013, The Information Transparency & Personal Data Control Act HR 5332, Protecting Your Credit Score Act of 2019 National Defense Authorization Act for Fiscal Year 2020 Consumer Reporting issues generally Data Protection issues generally Bills amending the Fair Credit Reporting Act, generally.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Legislation related to credit reporting, scoring and data security including H.R. 5332, H.R. 5330, S. 1828, H.R. 3629, H.R. 3621, H.R. 3614, H.R. 3618, H.R. 3622, and H.R. 3642.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE