Open Banking Study Act of 2019

Issues related to open banking and consumer permissioned data use; H.R. 4047 - Open Banking Study Act of 2019 (116th Congress).

Client expense: Not reported · Firm income: $10,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Implementation of an open banking regime in the U.S.; application of existing regulatory structure, including Regulation E, on consumer-permissioned aggregation; application of the FCRA on consumer-permissioned financial transaction data; H.R. 4047 - Open Banking Study Act of 2019 (116th Congress); H.R. 6800 - The Health and Economic Recovery Omnibus Emergency Solutions (HEROES) Act; Section 1033 of the Dodd-Frank Wall Street Reform and C0nsumer Protection Act (PL 111-203)

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

Government targets: Commerce, Dept of (DOC), Consumer Financial Protection Bureau (CFPB), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Office of the Comptroller of the Currency (OCC), SENATE, Small Business Administration (SBA), Treasury, Dept of

Financial data aggregation; Section 1033 of the Dodd-Frank Wall Street Reform and Consumer Protection Act (PL 111-203); H.R. 4047 - Open Banking Study Act of 2019 (116th Congress); OCC third-party vendor risk management FAQs

Client expense: Not reported · Firm income: $70,000

Government targets: Consumer Financial Protection Bureau (CFPB), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

Issues related to open banking and consumer permissioned data use; H.R. 4047 - Open Banking Study Act of 2019 (116th Congress).

Client expense: Not reported · Firm income: $10,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Financial data aggregation; Section 1033 of the Dodd-Frank Wall Street Reform and Consumer Protection Act (PL 111-203); H.R. 4047 - Open Banking Study Act of 2019 (116th Congress); OCC third-party vendor risk management FAQs

Client expense: Not reported · Firm income: $70,000

Government targets: Consumer Financial Protection Bureau (CFPB), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

Implementation of an open banking regime in the U.S.; application of existing regulatory structure, including Regulation E, on consumer-permissioned aggregation; application of the FCRA on consumer-permissioned financial transaction data; H.R. 4047 - Open Banking Study Act of 2019 (116th Congress); H.R. 6800 - The Health and Economic Recovery Omnibus Emergency Solutions (HEROES) Act; Section 1033 of the Dodd-Frank Wall Street Reform and C0nsumer Protection Act (PL 111-203)

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

Government targets: Commerce, Dept of (DOC), Consumer Financial Protection Bureau (CFPB), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Office of the Comptroller of the Currency (OCC), SENATE, Small Business Administration (SBA), Treasury, Dept of

Educate Members of Congress and the Administration on non-bank lending; monitor H.R. 1509 / S. 656, the SAFE Lending Act of 2019; monitor the House Financial Services FinTech and Artificial Intelligence Task Forces; monitor H.R. 4047, the Open Banking Study Act of 2019; educate Members on FinTech provisions in COVID legislation, including H.R. 748, the CARES Act; educate policymakers on true lender regulation.

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

Government targets: Federal Deposit Insurance Corporation (FDIC), HOUSE OF REPRESENTATIVES, SENATE, Small Business Administration (SBA), Treasury, Dept of, White House Office

-Monitor HR 4047, the Open Banking Study Act of 2019; -Educate members on True Lender and Valid When Made regulation; -Educate Members on the FinTech provisions in the COVID legislation, including HR 754, the CARES Act; -Provide updates and data to the SBA, Treasury, and Members of Congress on Kabbage's progress in the SBA's Paycheck Protection Program (PPP); -Educate the SBA, Treasury, and Members on legislative proposals to amend the SBA's Paycheck Protection Program Flexibility Act of 2020, and HR 266, The Paycheck Protection and Healthcare Enhancement Act;

Client expense: $45,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Small Business Administration (SBA), Treasury, Dept of, White House Office

-Educate Members of Congress and the Administration on non-bank lending; -Monitor HR 1509/ S 656, The SAFE Lending Act of 2019; -Monitor the House Financial Services & Artificial Intelligence Task Forces; -Monitor HR 4047, the Open Banking Study Act of 2019; -Educate members on True Lender and Valid When Made regulation; -Educate Members on the FinTech provisions in the COVID legislation, including HR 754, the CARES Act; -Provide updates and data to the SBA, Treasury, and Members of Congress on Kabbage's progress in the SBA's Paycheck Protection Program (PPP); -Educate the SBA, Treasury, and Members on legislative proposals to amend the SBA's Paycheck Protection Program Flexibility Act of 2020, and HR 266, The Paycheck Protection and Healthcare Enhancement Act; -Provide Members input on the Federal Reserve's Main Street Lending Program's ability to assist small businesses.

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

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE, Small Business Administration (SBA), Treasury, Dept of, White House Office

S. 2304, Protecting Veterans from Predatory Lending Act of 2018 and other issues related to VA churn; H.R. 1988 and S. 1749, Protect Affordable Mortgages for Veterans Act of 2019; issues under the jurisdiction of the US House Appropriations Subcommittee on Financial Services and General Government; issues under the jurisdiction of the US House Appropriations Subcommittee on Transportation and Housing and Urban Development; general FHA, FHFA, VA, USDA issues; oversight of federal housing policy; HR 2890 and S. 2361, Housing Opportunity Mortgage Expansion Act; general diversity and inclusion issues; general digital mortgage issues; qualified mortgage rule, including the GSE patch, appendix Q, ATR underwriting and points and fees; Community Reinvestment Act; tax foreclosure prevention; FHA technology funding; GSE pilot programs; FHA origination and servicing, loss mitigation alignment; IRS Modernization; HR 4047, Open Banking Study Act of 2019; Community Reinvestment Act; HR 2445, Self-Employed Access Act of 2019; FY2021 Financial Services and General Government Appropriations Bill; FY2021 Transportation and Housing and Urban Development Appropriation Bill; CARES Act; National Housing Act; issues around forbearance and loss mitigation; Ginne Mae pass-through assistance; Section 13(30) of the Federal Reserve Act; HEROES Act; HR 7301, Emergency Housing Protection and Relief Act of 2020; General Police Reform

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

S. 2304, Protecting Veterans from Predatory Lending Act of 2018 and other issues related to VA churn; H.R. 1988 and S. 1749, Protect Affordable Mortgages for Veterans Act of 2019; issues under the jurisdiction of the US House Appropriations Subcommittee on Financial Services and General Government; issues under the jurisdiction of the US House Appropriations Subcommittee on Transportation and Housing and Urban Development; general FHA, FHFA, VA, USDA issues; oversight of federal housing policy; HR 2890 and S. 2361, Housing Opportunity Mortgage Expansion Act; general diversity and inclusion issues; general digital mortgage issues; qualified mortgage rule, including the GSE patch, appendix Q, ATR underwriting and points and fees; Community Reinvestment Act; tax foreclosure prevention; FHA technology funding; GSE pilot programs; FHA origination and servicing, loss mitigation alignment; IRS Modernization; HR 4047, Open Banking Study Act of 2019; Community Reinvestment Act; HR 2445, Self-Employed Access Act of 2019; FY2021 Financial Services and General Government Appropriations Bill; FY2021 Transportation and Housing and Urban Development Appropriation Bill; CARES Act; National Housing Act; issues around forbearance and loss mitigation; Ginne Mae pass-through assistance; Section 13(30) of the Federal Reserve Act; HEROES Act; HR 7301, Emergency Housing Protection and Relief Act of 2020; General Police Reform

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

Educate Members of Congress and the Administration on non-bank lending; monitor H.R. 1509 / S. 656, the SAFE Lending Act of 2019; monitor the House Financial Services FinTech and Artificial Intelligence Task Forces; monitor H.R. 4047, the Open Banking Study Act of 2019; educate Members on FinTech provisions in COVID legislation, including H.R. 748, the CARES Act.

Client expense: Not reported · Firm income: $90,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Small Business Administration (SBA), Treasury, Dept of, White House Office

Implementation of an open banking regime in the U.S.; application of existing regulatory structure, including Regulation E, on consumer-permissioned aggregation; application of the FCRA on consumer-permissioned financial transaction data; H.R. 4047 - Open Banking Study Act of 2019 (116th Congress); H.R. 266 - Paycheck Protection Program and Health Care Enhancement Act (PL 116-139)

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

Government targets: Commerce, Dept of (DOC), Consumer Financial Protection Bureau (CFPB), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Office of the Comptroller of the Currency (OCC), SENATE, Small Business Administration (SBA), Treasury, Dept of

Financial data aggregation; Section 1033 of the Dodd-Frank Wall Street Reform and Consumer Protection Act (PL 111-203); H.R. 4047 - Open Banking Study Act of 2019 (116th Congress); OCC third-party vendor risk management FAQs

Client expense: Not reported · Firm income: $70,000

Government targets: Consumer Financial Protection Bureau (CFPB), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of

-Educate Members of Congress and the Administration on non-bank lending; -Monitor HR 1509/ S 656, The SAFE Lending Act of 2019; -Monitor the House Financial Services & Artificial Intelligence Task Forces; -Monitor HR 4047, the Open Banking Study Act of 2019; -Educate Members on the FinTech provisions in the COVID legislation, including HR 754, the CARES Act; -Provide updates and data to the SBA, Treasury, and Members of Congress on Kabbage's progress in the SBA's Paycheck Protection Program (PPP); -Educate the SBA, Treasury, and Members on legislative proposals to amend the SBA's Paycheck Protection Program Flexibility Act of 2020, and HR 266, The Paycheck Protection and Healthcare Enhancement Act; -Provide Members input on the Federal Reserve's Main Street Lending Program's ability to assist small businesses.

Client expense: $95,000 · Firm income: Not reported

Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE, Small Business Administration (SBA), Treasury, Dept of, White House Office

Payments Card Standards, Security and Fraud Open Banking and Realtime Gross Settlement Standards Durbin Amendment / Debit Reform HR 4047 Open Banking Study Act of 2019 HR 3951 / S 2243 Payments Modernization Act of 2019 FedNow Real Time Gross Settlement proposal H.R. 3928, Fed Reserve Accountability & Justification Act H.R. 3951/ S. 2243, Payments Modernization Act of 2019

Client expense: $90,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Centers For Medicare and Medicaid Services (CMS), Executive Office of the President (EOP), Federal Reserve System, Federal Trade Commission (FTC), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Justice, Dept of (DOJ), Labor, Dept of (DOL), SENATE, Treasury, Dept of

Educate Members of Congress and the Administration on non-bank lending; monitor H.R. 1509 / S. 656, the SAFE Lending Act of 2019; monitor the House Financial Services FinTech and Artificial Intelligence Task Forces; monitor H.R. 4047, the Open Banking Study Act of 2019; educate Members on FinTech provisions in COVID legislation, including H.R. 748, the CARES Act.

Client expense: Not reported · Firm income: $90,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Small Business Administration (SBA), Treasury, Dept of, White House Office

H.R. 3151 and S. 928, The Taxpayer First Act of 2019; S. 2304, Protecting Veterans from Predatory Lending Act of 2018 and other issues related to VA churn; H.R. 1988 and S. 1749, Protect Affordable Mortgages for Veterans Act of 2019; issues under the jurisdiction of the US House Appropriations Subcommittee on Financial Services and General Government; issues under the jurisdiction of the US House Appropriations Subcommittee on Transportation and Housing and Urban Development;general FHA, FHFA, VA, USDA issues; oversight of federal housing policy; HR 2890, Housing Opportunity Mortgage Expansion Act and S. 2361, Housing Opportunity Mortgage Expansion Act; general diversity and inclusion issues; general digital mortgage issues; qualified mortgage rule, including the GSE patch, appendix Q, ATR underwriting and points and fees; Community Reinvestment Act; issuer stress testing; tax foreclosure prevention; FHA technology funding; GSE pilot programs; FHA origination and servicing, loss mitigation alignment; IRS Modernization; HMDA; False Claims Act; HR 4047, Open Banking Study Act of 2019; HR 2445, Self-Employed Access Act of 2019; FY2021 Financial Services and General Government Appropriations Bill; FY2021 Transportation and Housing and Urban Development Appropriation Bill; CARES Act; appraisal waivers; National Housing Act; issues around forbearance; Ginne Mae pass-through assistance; Section 13(30) of the Federal Reserve Act

Client expense: $330,000 · Firm income: Not reported

1. Educate members of Congress and agencies on Financial Technology solutions (FinTech) in the online small business lending space. 2. Educate the OCC, and CFPB on an "Open Banking Environment" (Dodd-Frank Sec. 1033 compared to international systems like the U.K.) so small business customers may share their financial data through permission-based APIs with third-party FinTech platforms. 3. Discuss federal "FinTech Sandboxes". 4. Discuss legislative and regulatory ramifications stemming from the Madden v. Midland Funding, LLC case (Second Circuit) with respect to the "Valid When Made" doctrine, FDIC (12 CFR Part 331 RIN 3064-AF21) and OCC (RIN 1557-AE73) 5. Monitor HR 1509/ S 656, the SAFE Lending Act of 2019 6. Monitor HR 4047, the Open Banking Study Act of 2019 and educate agencies (OCC, Fed, CFPB, and FDIC) on Open Banking/ Open Data in the non-bank credit industry. 7. Monitor the HFSC AI and FinTech Task Forces 8. Educate Members on FinTech (non-bank/ other lender) provisions in COVID-19 Legislation, including HR 748, the CARES Act

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

Government targets: Consumer Financial Protection Bureau (CFPB), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Office of the Comptroller of the Currency (OCC), SENATE, Small Business Administration (SBA), Treasury, Dept of

1. Educate members of Congress and agencies on Financial Technology solutions (FinTech) and non-bank lending in the online small business financial services space 2. Monitor HR 1509/ S 656, the SAFE Lending Act of 2019 3. Monitor HR 4047, the Open Banking Study Act of 2019 and educate agencies (OCC, Fed, CFPB, and FDIC) on Open Banking/ Open Data in the non-bank credit industry 4. Monitor the HFSC AI and FinTech Task Forces 5. Discuss Valid When Made regulatory proposal fix with the FDIC (12 CFR Part 331 RIN 3064-AF21) and OCC (RIN 1557-AE73) 6. Educate Members on FinTech (non-bank/ other lender) provisions in COVID-19 Legislation, including HR 748, the CARES Act

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

Government targets: Consumer Financial Protection Bureau (CFPB), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Office of the Comptroller of the Currency (OCC), SENATE, Small Business Administration (SBA), Treasury, Dept of

Financial data aggregation; Section 1033 of the Dodd-Frank Wall Street Reform and Consumer Protection Act; H.R. 4047 in the 116th Congress; OCC third-party vendor risk management FAQs.

Client expense: Not reported · Firm income: $70,000

Government targets: Consumer Financial Protection Bureau (CFPB), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of

Implementation of an open banking regime in the United States; application of existing regulatory structure, including Regulation E, on consumer-permissioned aggregation; application of the Fair Credit Reporting Act on consumer-permissioned financial transaction data; H.R. 4047 in the 116th Congress.

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

Government targets: Commerce, Dept of (DOC), Consumer Financial Protection Bureau (CFPB), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Office of the Comptroller of the Currency (OCC), SENATE, Small Business Administration (SBA), Treasury, Dept of

Educate Members of Congress and the Administration on non-bank lending; monitor H.R. 1509 / S. 656, the SAFE Lending Act of 2019; monitor the House Financial Services FinTech and Artificial Intelligence Task Forces; monitor H.R. 4047, the Open Banking Study Act of 2019.

Client expense: Not reported · Firm income: $90,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 3151 and S. 928, The Taxpayer First Act of 2019; S. 2304, Protecting Veterans from Predatory Lending Act of 2018 and other issues related to VA churn; H.R. 1988 and S. 1749, Protect Affordable Mortgages for Veterans Act of 2019; issues under the jurisdiction of the US House Appropriations Subcommittee on Financial Services and General Government; FY2020 Financial Services and General Government Appropriations Bill; issues under the jurisdiction of the US House Appropriations Subcommittee on Transportation and Housing and Urban Development;general FHA, FHFA, VA, USDA issues; oversight of federal housing policy; HR 2890, Housing Opportunity Mortgage Expansion Act and S. 2361, Housing Opportunity Mortgage Expansion Act; general diversity and inclusion issues; general digital mortgage issues; qualified mortgage rule, including the GSE patch, appendix Q, ATR underwriting and points and fees; Community Reinvestment Act; issuer stress testing; tax foreclosure prevention; FHA technology funding; GSE pilot programs; FHA servicing and origination, including conveyance condition, foreclosure alignment, and loss mitigation; IRS Modernization; HMDA; False Claims Act; HR 4047, Open Banking Study Act of 2019; HR 2445, Self-Employed Access Act of 2019

Client expense: $280,000 · Firm income: Not reported

Payments Card Standards, Security and Fraud Open Banking and Realtime Gross Settlement Standards Durbin Amendment / Debit Reform HR 4047 Open Banking Study Act of 2019 HR 3951 / S 2243 Payments Modernization Act of 2019 FedNow Real Time Gross Settlement proposal H.R. 3928, Fed Reserve Accountability & Justification Act H.R. 3951/ S. 2243, Payments Modernization Act of 2019

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

Government targets: Agriculture, Dept of (USDA), Centers For Medicare and Medicaid Services (CMS), Executive Office of the President (EOP), Federal Reserve System, Federal Trade Commission (FTC), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, SENATE

Implementation of an open banking regime in the United States; application of existing regulatory structure, including Regulation E, on consumer-permissioned aggregation; application of the Fair Credit Reporting Act on consumer-permissioned financial transaction data; H.R. 4047 in the 116th Congress.

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

Government targets: Commerce, Dept of (DOC), Consumer Financial Protection Bureau (CFPB), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of

Financial data aggregation; Section 1033 of the Dodd-Frank Wall Street Reform and Consumer Protection Act; H.R. 4047 in the 116th Congress; OCC third-party vendor risk management FAQs.

Client expense: Not reported · Firm income: $70,000

Government targets: Consumer Financial Protection Bureau (CFPB), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

1. Educate members of Congress and agencies on Financial Technology solutions (FinTech) in the online small business lending space. 2. Monitor HR 1509/ S 656, the SAFE Lending Act of 2019 3. Monitor HR 4047, the Open Banking Study Act of 2019 and educate agencies (OCC, Fed, CFPB, and FDIC) on Open Banking/ Open Data in the non-bank credit industry. 4. Monitor the HFSC AI and FinTech Task Forces 5. Discuss Valid When Made regulatory proposal fix with the FDIC (12 CFR Part 331 RIN 3064-AF21) and OCC (RIN 1557-AE73)

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

Government targets: Consumer Financial Protection Bureau (CFPB), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Office of the Comptroller of the Currency (OCC), SENATE

1. Educate members of Congress and agencies on Financial Technology solutions (FinTech) in the online small business lending space. 2. Educate the OCC, and CFPB on an "Open Banking Environment" (Dodd-Frank Sec. 1033 compared to international systems like the U.K.) so small business customers may share their financial data through permission-based APIs with third-party FinTech platforms. 3. Discuss federal "FinTech Sandboxes". 4. Discuss legislative and regulatory ramifications stemming from the Madden v. Midland Funding, LLC case (Second Circuit) with respect to the "Valid When Made" doctrine, FDIC (12 CFR Part 331 RIN 3064-AF21) and OCC (RIN 1557-AE73) 5. Monitor HR 1509/ S 656, the SAFE Lending Act of 2019 6. Monitor HR 4047, the Open Banking Study Act of 2019 and educate agencies (OCC, Fed, CFPB, and FDIC) on Open Banking/ Open Data in the non-bank credit industry. 7. Monitor the HFSC AI and FinTech Task Forces

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

Government targets: Consumer Financial Protection Bureau (CFPB), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Office of the Comptroller of the Currency (OCC), SENATE

Payments Card Standards, Security and Fraud Open Banking and Realtime Gross Settlement Standards Durbin Amendment / Debit Reform HR 4047 Open Banking Study Act of 2019 HR 3951 / S 2243 Payments Modernization Act of 2019 HR 3928 Federal Reserve Accountability and Justification Act

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

Government targets: Agriculture, Dept of (USDA), Centers For Medicare and Medicaid Services (CMS), Executive Office of the President (EOP), Federal Reserve System, Federal Trade Commission (FTC), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE, Social Security Administration (SSA)

H.R. 1153, The Mortgage Choice Act; H.R. 3151 and S. 928, The Taxpayer First Act of 2019; S. 2304, Protecting Veterans from Predatory Lending Act of 2018; H.R. 1988 and S. 1749, Protect Affordable Mortgages for Veterans Act of 2019; issues under the jurisdiction of the US House Appropriations Subcommittee on Financial Services and General Government; FY2020 Financial Services and General Government Appropriations Bill; issues under the jurisdiction of the US House Appropriations Subcommittee on Transportation and Housing and Urban Development;general FHA, FHFA, VA, USDA issues; oversight of federal housing policy; HR 2890, Housing Opportunity Mortgage Expansion Act and S. 2361, Housing Opportunity Mortgage Expansion Act; general diversity and inclusion issues; general digital mortgage issues; qualified mortgage reform, including the GSE patch and points and fees; Community Reinvestment Act; non-depository stress testing; tax foreclosure prevention; FHA technology funding; GSE pilot programs; FHA servicing and origination; IRS Modernization; HMDA; False Claims Act; HR 4047, Open Banking Study Act of 2019

Client expense: $320,000 · Firm income: Not reported

Educate Members of Congress and the Administration on non-bank lending; monitor H.R. 1509 / S. 656, the SAFE Lending Act of 2019; monitor the House Financial Services FinTech and Artificial Intelligence Task Forces; monitor H.R. 4047, the Open Banking Study Act of 2019.

Client expense: Not reported · Firm income: $90,000

Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

1. Educate members of Congress and agencies on Financial Technology solutions (FinTech) in the online small business lending space. 2. Monitor HR 1509/ S 656, the SAFE Lending Act of 2019 3. Monitor HR 4047, the Open Banking Study Act of 2019 and educate agencies (OCC, Fed, CFPB, and FDIC) on Open Banking/ Open Data in the non-bank credit industry. 4. Monitor the HFSC AI and FinTech Task Forces

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

Government targets: Consumer Financial Protection Bureau (CFPB), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Office of the Comptroller of the Currency (OCC), SENATE

1. Educate members of Congress and agencies on Financial Technology solutions (FinTech) in the online small business lending space. 2. Educate the OCC, and CFPB on an "Open Banking Environment" (Dodd-Frank Sec. 1033 compared to international systems like the U.K.) so small business customers may share their financial data through permission-based APIs with third-party FinTech platforms. 3. Discuss federal "FinTech Sandboxes". 4. Discuss legislative and regulatory ramifications stemming from the Madden v. Midland Funding, LLC case (Second Circuit) with respect to the "Valid When Made" doctrine 5. Monitor HR 1509/ S 656, the SAFE Lending Act of 2019 6. Monitor HR 4047, the Open Banking Study Act of 2019 and educate agencies (OCC, Fed, CFPB, and FDIC) on Open Banking/ Open Data in the non-bank credit industry. 7. Monitor the HFSC AI and FinTech Task Forces

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

Government targets: Consumer Financial Protection Bureau (CFPB), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Office of the Comptroller of the Currency (OCC), SENATE