To amend the Fair Credit Reporting Act to make improvements to the regulation of consumer reporting agencies and protect consumers, and for other purposes.

H.R. 799 - Federal Worker Credit Protection Act of 2019 - Issues as it relates to amending the Fair Credit Reporting Act. S. 535 - Protect Federal Workers Act - Issues as it relates to amending the Fair Credit Reporting Act. H.R. 1286 - Federal Employee Credit Score Protection Act of 2019 - Issues as it relates to amending the Fair Credit Reporting Act. H.R. 1500 - Consumers First Act, Amdt 8, regarding credit score disclosure Issues effecting reform of the Fair Credit Reporting Act generally. 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. 4321 Credit Access and Inclusion Act of 2019 - Issues as it relates to amending the Fair Credit Reporting Act. 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. 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. 3821 - To amend the Fair Credit Reporting Act to make improvements to the regulation of consumer reporting agencies and protect consumers, and for other purposes. Issues as it relates to amending the Fair Credit Reporting Act. H.R. 2753 - Free Credit Score Act of 2019 - 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. 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.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Legislative and regulatory issues pertaining to credit reporting and scoring, including H.R. 1500, H.R. 1756, H.R. 2290, H.R. 2753, H.R. 2824, H.R. 3614, H.R. 3618, H.R. 3621, H.R. 3622, H.R. 3629, H.R. 3642, H.R. 3693, H.R. 3821, H.R. 3862, H.R. 4231, H.R. 4328, S. 1581, S. 1729, and S. 1828.

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

**Supported S. 1848, Credit Access & Inclusion Act, to facilitate more reporting of data to consumer reporting agencies under the Fair Credit Reporting Act. **Opposed H.R. 3629, Clarity in Credit Score Formation Act, granting CFPB authority over credit score models. **Opposed H.R. 3621, Student Borrower Credit Improvement Act, enabling private loan adverse information removal from credit reports. **Opposed H.R. 3614, Restricting Use of Credit Checks for Employment Decisions Act, banning the use of credit information for employment decisions in most cases. **Opposed H.R. 3618, Free Credit Scores for Consumers Act, requiring consumer reporting agencies to give free credit scores. **Opposed H.R. 3622, Restoring Unfairly Impaired Credit and Protecting Consumers Act, shortening the amount of time negative information stays on a credit file (among other things). **Opposed H.R. 3642, Improving Credit Reporting for All Consumers Act, rewriting consumer dispute resolution process under the FCRA. **Reviewed legislative discussion drafts amending the FCRA. **Reviewed H.R. 3821 amending the FCRA.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 799 - Federal Worker Credit Protection Act of 2019 - Issues as it relates to amending the Fair Credit Reporting Act. S. 535 - Protect Federal Workers Act - Issues as it relates to amending the Fair Credit Reporting Act. H.R. 1286 - Federal Employee Credit Score Protection Act of 2019 - Issues as it relates to amending the Fair Credit Reporting Act. H.R. 1500 - Consumers First Act, Amdt 8, regarding credit score disclosure Issues effecting reform of the Fair Credit Reporting Act generally. 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. 4321 Credit Access and Inclusion Act of 2019 - Issues as it relates to amending the Fair Credit Reporting Act. 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. 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. 3821 - To amend the Fair Credit Reporting Act to make improvements to the regulation of consumer reporting agencies and protect consumers, and for other purposes. Issues as it relates to amending the Fair Credit Reporting Act. H.R. 2753 - Free Credit Score Act of 2019 - 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. 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.