Credit Access and Inclusion Act of 2019
Legislative Progress
Introduced
September 6, 2019
Latest Action
September 6, 2019
Primary Sponsor
J. French HillRepublican(AR)
Momentum (last 30 days)
0
score
0 actions · 0 new cosponsors · 0 votes
Speed vs cohort
0pct
0d open
vs 9,062 other HR bills in the 116th — cohort avg 39d
Credit Access and Inclusion Act of 2019 This bill allows for the reporting of certain positive consumer-credit information to consumer reporting agencies. Specifically, a person or the Department of Housing and Urban Development may report information related to a consumer's performance in making payments either under a lease agreement for a dwelling or pursuant to a contract for a utility or telecommunications service. However, information about a consumer's usage of any utility or telecommunications service may be reported only to the extent that the information relates to payment by the consumer for such service or other terms of the provision of that service. Furthermore, an energy-utility firm may not report a consumer's outstanding balance as late if the firm and the consumer have entered into a payment plan and the consumer is meeting the obligations of that plan. Specified provisions that establish civil liability with respect to furnishers of information to consumer reporting agencies shall not apply to any violation of the bill. The Government Accountability Office must report on the consumer impact of such reporting.
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Filing registrants (8)
Referred to the House Committee on Financial Services.
Introduced in House
Congress.gov source codes: 1000, Intro-H
Bills with similar content found using semantic analysis.
Sources: Congress.gov
2020 · fourth_quarter · Banking
H.R.6395, H.R.6396 / S. 4049; National Defense Authorization Act for Fiscal Year 2021; Provisions relating to consumer finance H.R. 4231 / S. 1828; Credit Access and Inclusion Act; all provisions H.R. 133; Consolidated Appropriations Act, 2021; Provisions relating to credit reporting
Client expense: $240,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2020 · fourth_quarter · Financial Institutions/Investments/Securities
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
2020 · fourth_quarter · Banking
H.R.6395, H.R.6396 / S. 4049; National Defense Authorization Act for Fiscal Year 2021; Provisions relating to consumer finance H.R. 4231 / S. 1828; Credit Access and Inclusion Act; all provisions H.R. 133; Consolidated Appropriations Act, 2021; Provisions relating to credit reporting
Client expense: $290,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2020 · fourth_quarter · Labor Issues/Antitrust/Workplace
Workforce safety issues. H.R. 925, the HEROES Act. H.R. 4231, Preparing for the Next Pandemic Act.
Client expense: Not reported · Firm income: $50,000
Government targets: HOUSE OF REPRESENTATIVES, SENATE, White House Office
2020 · fourth_quarter · Financial Institutions/Investments/Securities
Consumer Reporting Credit Scoring Credit Monitoring Privacy Patient Credit Protection Act of 2020 H.R. 4231/S. 1828 Credit Access and Inclusion Act H.R. 6800 HEROES ACTt
Client expense: $350,000 · Firm income: Not reported
Government targets: Agriculture, Dept of (USDA), Centers For Medicare and Medicaid Services (CMS), Consumer Financial Protection Bureau (CFPB), Defense, Dept of (DOD), General Services Administration (GSA), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Labor, Dept of (DOL), Natl Economic Council (NEC), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of, White House Office
2020 · fourth_quarter · Financial Institutions/Investments/Securities
Issues related to credit scores, including implementation of S.2155, the "Economic Growth, Regulatory Relief and Consumer Protection Act," and of H.R.748, the "Coronavirus Aid, Relief, and Economic Security Act;" S.1828 and H.R.4231, the "Credit Access and Inclusion Act of 2019;" H.R. 8900, the "Further Continuing Appropriations Act, 2021;" and funding of credit counseling.
Client expense: Not reported · Firm income: $60,000
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2020 · fourth_quarter · Financial Institutions/Investments/Securities
Legislative and regulatory issues pertaining to credit reporting and scoring, including H.R. 748, H.R. 4231, H.R. 5332, H.R. 6395, H.R. 6370, H.R. 6800, H.R. 8406, S. 1828, and S. 3508.
Client expense: $360,000 · Firm income: Not reported
Government targets: Consumer Financial Protection Bureau (CFPB), Federal Housing Finance Agency (FHFA), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Office of the Comptroller of the Currency (OCC), SENATE, Small Business Administration (SBA), Social Security Administration (SSA)
2020 · fourth_quarter · Financial Institutions/Investments/Securities
Issues related to credit scoring; Implementation of PL 115-174, Economic Growth, Regulatory Relief and Consumer Protection Act (credit scores); H.R. 4231/S. 1828, Credit Access and Inclusion Act of 2019; H.R. 123, FHA Additional Credit Pilot Program Reauthorization Act; H.R. 748, Coronavirus Aid, Relief, and Economic Security (CARES) Act; H.R. 6800, Health and Economic Recovery Omnibus Emergency Solutions (HEROES) Act; OCC Project REACh
Client expense: $190,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2020 · third_quarter · Financial Institutions/Investments/Securities
Issues related to credit scores, including implementation of S.2155, the "Economic Growth, Regulatory Relief and Consumer Protection Act," and of H.R.748, the "Coronavirus Aid, Relief, and Economic Security Act;" S.1828 and H.R.4231, the "Credit Access and Inclusion Act of 2019;" and funding of credit counseling.
Client expense: Not reported · Firm income: $60,000
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2020 · third_quarter · Financial Institutions/Investments/Securities
Consumer Reporting Credit Scoring Credit Monitoring Privacy S. 4037 Patient Credit Protection Act of 2020 H.R. 4231/S. 1828 Credit Access and Inclusion Act H.R. 6800 HEROES ACTt
Client expense: $350,000 · Firm income: Not reported
Government targets: Agriculture, Dept of (USDA), Centers For Medicare and Medicaid Services (CMS), Consumer Financial Protection Bureau (CFPB), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Labor, Dept of (DOL), Natl Economic Council (NEC), Office of Management & Budget (OMB), SENATE, Treasury, Dept of, White House Office
2020 · third_quarter · Labor Issues/Antitrust/Workplace
Workforce safety issues. H.R. 6800, Health and Economic Recovery Omnibus Emergency Solutions Act or the HEROES Act. H.R. 4231, Preparing for the Next Pandemic Act.
Client expense: Not reported · Firm income: $50,000
Government targets: HOUSE OF REPRESENTATIVES, SENATE, White House Office
2020 · third_quarter · Financial Institutions/Investments/Securities
Issues related to credit scoring; Implementation of PL 115-174, Economic Growth, Regulatory Relief and Consumer Protection Act (credit scores); H.R. 4231/S. 1828, Credit Access and Inclusion Act of 2019; H.R. 123, FHA Additional Credit Pilot Program Reauthorization Act; H.R. 748, Coronavirus Aid, Relief, and Economic Security (CARES) Act; H.R. 6800, Health and Economic Recovery Omnibus Emergency Solutions (HEROES) Act
Client expense: $140,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2020 · third_quarter · Financial Institutions/Investments/Securities
Legislative and regulatory issues pertaining to credit reporting and scoring, including H.R. 748, H.R. 3821, H.R. 4231, H.R. 5332, H.R. 6370, H.R. 6800, H.R. 8406, S. 1828, and S. 3508.
Client expense: $360,000 · Firm income: Not reported
Government targets: Consumer Financial Protection Bureau (CFPB), Federal Housing Finance Agency (FHFA), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Office of the Comptroller of the Currency (OCC), SENATE, Small Business Administration (SBA), Social Security Administration (SSA)
2020 · third_quarter · Financial Institutions/Investments/Securities
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
2020 · second_quarter · Financial Institutions/Investments/Securities
Issues related to credit scores, including implementation of S.2155, the "Economic Growth, Regulatory Relief and Consumer Protection Act," and of H.R.748, the "Coronavirus Aid, Relief, and Economic Security Act;" S.1828 and H.R.4231, the "Credit Access and Inclusion Act of 2019;" and funding of credit counseling.
Client expense: Not reported · Firm income: $60,000
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2020 · second_quarter · Financial Institutions/Investments/Securities
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
2020 · second_quarter · Financial Institutions/Investments/Securities
Legislative and regulatory issues pertaining to credit reporting and scoring, including H.R. 748, H.R. 3821, H.R. 4231, H.R. 5332, H.R. 6321, H.R. 6370, H.R. 6379, H.R. 6413, H.R. 6451, H.R. 6470, H.R. 6800, S. 1828, S. 3508, S. 3548, and S. 4037.
Client expense: $360,000 · Firm income: Not reported
Government targets: Consumer Financial Protection Bureau (CFPB), Federal Housing Finance Agency (FHFA), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Natl Economic Council (NEC), SENATE, Small Business Administration (SBA), Social Security Administration (SSA), Treasury, Dept of, White House Office
2020 · second_quarter · Financial Institutions/Investments/Securities
Issues related to credit scoring; Implementation of PL 115-174, Economic Growth, Regulatory Relief and Consumer Protection Act (credit scores); H.R. 4231/S. 1828, Credit Access and Inclusion Act of 2019; H.R. 123, FHA Additional Credit Pilot Program Reauthorization Act; H.R. 748, Coronavirus Aid, Relief, and Economic Security (CARES) Act; H.R. 6800, Health and Economic Recovery Omnibus Emergency Solutions (HEROES) Act
Client expense: $150,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2020 · first_quarter · Financial Institutions/Investments/Securities
Amending the Fair Credit Reporting Act (FCRA) related to credit repair activity and state workforce. H.R. 3621, Comprehensive CREDIT Act of 2020; issues pertaining to credit reporting H.R. 748, CARES Act; issues pertaining to credit reporting S.3508, Disaster Protection for Workers' Credit Act of 2020; issues pertaining to credit reporting S. 1829/H.R. 4231, Credit Access and Inclusion Act; issues pertaining to alternative data
Client expense: $260,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, Natl Economic Council (NEC), SENATE
2020 · first_quarter · Financial Institutions/Investments/Securities
Issues related to credit scores, including implementation of S.2155, the "Economic Growth, Regulatory Relief and Consumer Protection Act;" S.1828 and H.R.4231, the "Credit Access and Inclusion Act of 2019;" and H.R.748, the "CARES Act."
Client expense: Not reported · Firm income: $60,000
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2020 · first_quarter · Financial Institutions/Investments/Securities
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
2020 · first_quarter · Financial Institutions/Investments/Securities
Issues related to credit scoring; Implementation of PL 115-174, Economic Growth, Regulatory Relief and Consumer Protection Act (credit scores); H.R. 4231/S. 1828, Credit Access and Inclusion Act of 2019; H.R. 123, FHA Additional Credit Pilot Program Reauthorization Act; H.R. 748, Coronavirus Aid, Relief, and Economic Security (CARES) Act; H.R. 3621, Comprehensive CREDIT Act of 2020
Client expense: $150,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2020 · first_quarter · Financial Institutions/Investments/Securities
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)
2019 · fourth_quarter · Financial Institutions/Investments/Securities
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
2019 · fourth_quarter · Financial Institutions/Investments/Securities
Issues related to credit scoring; Implementation of PL 115-174, Economic Growth, Regulatory Relief and Consumer Protection Act (credit scores); H.R. 4231/S. 1828, Credit Access and Inclusion Act of 2019; H.R. 123, FHA Additional Credit Pilot Program Reauthorization Act
Client expense: $120,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2019 · fourth_quarter · Financial Institutions/Investments/Securities
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
2019 · fourth_quarter · Financial Institutions/Investments/Securities
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).
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
2019 · third_quarter · Financial Institutions/Investments/Securities
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. 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. 3987, Alleviating Stress Test Burdens to Help Investors Act H.R. 4231/S. 1828, Credit Access and Inclusion Act of 2019 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 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 titled Accurate Access to Credit Information 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, 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 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) 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; Office of the Comptroller of the Currency (OCC) Innovation Pilot Program; amendments to the accelerated filer and large accelerated filer definition; 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); OMB 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; implementation of the Fair House Acts (P.L. 90-284) disparate impact standard; 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; 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; 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 amendments regarding thresholds for shareholder proposals under Rule 14a-8; SEC amendments to address proxy advisors reliance on the proxy solicitation exemptions in Rule 14a-2(b); SEC concept release on harmonization of securities offering exemptions; Office of the Comptroller of the Currency (OCC), valid when made doctrine; OCC national FinTech charter; 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; small business exports
2019 · third_quarter · Financial Institutions/Investments/Securities
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
Client expense: $12,260,000 · Firm income: Not reported
Government targets: Agriculture, Dept of (USDA), Army, Dept of (Corps of Engineers), 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