Overdraft Protection Act of 2019

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

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 1423 Forced Arbitration Injustice Repeal (FAIR) Act HR 4254 Overdraft Protection Act of 2019 Facebook' Libra cryptocurrency 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. 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 S1581/HR 6470 the Medical Debt Relief Act

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

Government targets: Commodity Futures Trading Commission (CFTC), Consumer Financial Protection Bureau (CFPB), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC)

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 3614 Restricting Use of Credit Checks for Employment Decisions Act HR 3618 Free Credit Scores for Consumers Act HR 3621 Student Borrower Credit Improvement Act HR 1423 Forced Arbitration Injustice Repeal (FAIR) Act HR 4254 Overdraft Protection Act of 2019 Facebook' Libra cryptocurrency 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 (Porter) HR 5934 SCAM Debt Act HR 758 - the Coronavirus Aid, Relief, and Economic Security (CARES) Act

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

HR 4783 LEP Data Acquisition in Mortgage Lending Act 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 HR 5003 Fair Debt Collection Practices for Servicemembers Act H.R. 5001 Non-Judicial Foreclosure Debt Collection Clarification Act Authority of CFPB Financial Technology ("Fintech") Funding of CFPB HR 1 - For the People Act Reg BI SEC fiduciary rule Small Business Lending Discrimination HR 3618 Free Credit Scores for Consumers Act HR 4254 Overdraft Protection Act of 2019 Facebook' Libra cryptocurrency S.2685 Consumer Credit Control Act

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

Government targets: Commodity Futures Trading Commission (CFTC), Consumer Financial Protection Bureau (CFPB), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC)

Support HR5050(JGarcia)/S2833 (Merkley), Veterans and Consumers Fair Credit Act to extend Military Lending Act's 36% APR rate cap to all consumers. Urge FDIC, OCC, Federal Reserve not to expand opportunities for predatory lenders to use "rent-a-bank" schemes to evade state laws. Oppose efforts in Congress to weaken the independent funding or single-director structure of the Consumer Financial Protection Bureau (including in FSGG Appropriations-HR3351 and related House or Senate bills and so-called mini-bus packages). Support Data Breach Prevention and Compensation Act (S1336/HR2545) to hold large credit reporting agencies (CRAs)-including Equifax-accountable for data breaches involving consumer data. Support (draft House) Consumer Credit Reporting Reform Act (Waters). Support other credit reporting reforms including HR 3614, Restricting Use of Credit Checks for Employment Decisions 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; and HR 3629, Clarity in Credit Score Formation Act. Urge Consumer Financial Protection Bureau to prevent fraud in Property Assessed Clean Energy (PACE) loans. Urge Consumer Financial Protection Bureau not to reverse/weaken the Payday Lending and Auto Title Loan Regulation (CFPB-2019-0006). Urge CFPB not to weaken debt collection rights (Docket No. CFPB-2019-0022 RIN 3170-AA41). Urge CFPB not to weaken the 2009 Overdraft Rule. Support Overdraft Protection Act of 2019 (HR 4254). Support Better Oversight of Secondary Sales and Accountability in Concert Ticketing Act of 2019 (HR3248 and S1850). Urge CFPB to fully supervise the Military Lending Act. Urge CFPB not to weaken the Public Consumer Complaint Database. Urge CFPB to use full enforcement authorities and to hold more wrongdoers accountable with larger civil penalties and more consumer restitution orders. Oppose numerous not-yet-introduced draft proposals in Senate Commerce and House Energy and Commerce Committees to establish federal privacy or data breach/data security laws that would preempt stronger state privacy laws and prevent consumers from enforcing private rights of action when harmed. Urge members of House and Senate to back federal privacy proposals that protect stronger state laws, establish a Data Protection Authority, grant consumer private rights of action against privacy harms and protect civil rights. Urge Federal Trade Commission to enforce the Facebook consent order and impose penalties as well as hold executives accountable. Urge the FTC to impose more penalties and restitution generally in its orders against wrongdoers.

Financial Technology ("Fintech") Funding of CFPB H.R. XXXX -- the Inclusive Prosperity Act H.R. XXXX -- the Carried Interest Fairness Act of 2017 H.R. XXXX -- the Putting Main Street FIRST: Finishing Irresponsible Reckless Speculative Trading Act H.R. XXXX -- the "Home Mortgage Disclosure Adjustment Act" HR 1500 -- Consumers First Act Nominations for SEC, CFTC, FDIC Reg BI SEC fiduciary rule Small Business Lending Discrimination Volcker Rule HR 1 - For the People Act H.R. 1516 - Wall Street Tax Act of 2019 H.R. 1735 - Carried Interest Fairness Act of 2019 S. 781 - Carried Interest Fairness Act of 2019 Protecting Innocent Consumers Affected by Shutdown Act S.1063 - Helping Angels Lead Our Startups Act of 2019 S.733 - Consumer Financial Choice and Capital Markets Protection Act of 2019 S.452 - Fostering Innovation Act of 2019 H.R.609 - Small Business Mergers, Acquisitions, Sales, and Brokerage Simplification Act of 2019 Standardized Approach for Calculating the Exposure Amount of Derivatives Contracts S. 2155 - Stop Wall Street Looting Act HR 3614 Restricting Use of Credit Checks for Employment Decisions 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 Facebook' Libra cryptocurrency

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

Support S. 331 / HR 963 which restores comprehensive HMDA reporting requirements to 25 for mortgages and 100 for HELOCs with the exclusion for banks and credit unions with fewer than $30 million in assets Support the H.R. 1500, the Consumer First Act, which reestablishes the vitality of the CFPB Oppose proposal by Senator Crapo to privatize Fannie Mae and Freddie Mac Oppose the CFPB proposal to delay its 2017 payday lending ability-to-repay rule Support H.R. 1018, which instructs companies to disclose the race, ethnicity, gender, Veterans status and disability status of members of their Boards of Directors and C-Suite level executives. Support hr 2684, the FAIR RATES Act, which directs the Federal Insurance Office (FIO) to collect specific loss data from large auto insurance providers, publicly disclose the data, and submit an analysis Support the ATR-QM rule coinciding with the expiration of the GSE Patch; support the elimination Eliminate the debt-to-income (DTI) ratio threshold and the associated Appendix Q; Support maintaining and enhancing the existing ATR regulatory language; and maintaining the existing QM statutory safe product restrictions that prohibit certain risky loan features (e.g., no terms over 30 years, no negative amortization, no interest-only payments, no balloon payments, documented and verified income, etc.).to Congress on disparate impact along racial lines in automobile insurance Support HR 4254, the Overdraft Protection Act of 2019. This legislation will address the most abusive provisions of todays typical overdraft coverage Oppose the debt collection rule as proposed by the CFPB as it does far more to protect abusive debt collectors than consumers. The proposal opens consumers up to harassment, abuse and violations of their privacy by telephone, email, text and other means; obscures information about consumers rights; and protects debt collectors and collection attorneys who pursue debts after the legal deadline or with false, deceptive or misleading representations. CFPB must strengthen the rule to fulfill the Bureaus obligation to faithfully implement the Fair Debt Collection Practices Acts (FDCPA) Support the development of any proposed changes to the Community Reinvestment Act (CRA) are developed carefully and refrain from enacting reforms that would undercut CRAs effectiveness Support the letter drafted by Senator Brown to the CFPB regarding its Notice of Proposed Rulemaking regarding Ability to Repay (ATR) and Qualified Mortgages (QM). The letter urged the CFPB to consider the letter and intent of the ATR and QM statutory requirements to ensure that: (1) borrowers maintain at least the same level of access to responsible, affordable mortgage credit that they have today; and (2) all mortgage loans are made based on a demonstrated ability to repay analysis that relies on documented and verified income and is itself documented and subject to examination by the Bureau and other regulators Oppose the CFPBs Notice of Proposed Rulemaking regarding Ability to Repay (ATR) and Qualified Mortgages (QM). Urge the CFPB to consider the letter and intent of the ATR and QM statutory requirements to ensure that: (1) borrowers maintain at least the same level of access to responsible, affordable mortgage credit that they have today; and (2) all mortgage loans are made based on a demonstrated ability to repay analysis that relies on documented and verified income and is itself documented and subject to examination by the Bureau and other regulators Support a letter by Congressman Meeks and Senator Brown to OCC Comptroller Otting, Federal Reserve Chairman Powell, and FDIC Chair McWilliams which says that any updates to the Community Reinvestment Act must be consistent with its original purpose of bringing financial services and credit access to low-income and underserved communities that continue to bear the legacy of redlining and blatant discrimination Support real-time payments; support efforts by the Federal Reserve to develop a real-time payment plan; support the inclusion of civil right protections in any and all real-time payment plans

Support S. 331 / HR 963, which restores comprehensive HMDA reporting requirements to 25 for mortgages and 100 for HELOCs with the exclusion for banks and credit unions with fewer than $30 million in assetts Support the H.R. 1500, the Consumer First Act, which reestablishes the vitality of the CFPB Oppose proposal by Senator Crapo to privatize Fannie Mae and Freddie Mac Support H.R. 1018, which instructs companies to disclose the race, ethnicity, gender, Veterans status and disability status of members of their Boards of Directors and C-Suite level executives. Support hr 2684, the FAIR RATES Act, which directs the Federal Insurance Office (FIO) to collect specific loss data from large auto insurance providers, publicly disclose the data, and submit an analysis to Congress on disparate impact along racial lines in automobile insurance Support HR 4254, the Overdraft Protection Act of 2019. This legislation will address the most abusive provisions of todays typical overdraft coverage Support the development of any proposed changes to the Community Reinvestment Act (CRA) are developed carefully and refrain from enacting reforms that would undercut CRAs effectiveness Support the letter drafted by Senator Brown to the CFPB regarding its Notice of Proposed Rulemaking regarding Ability to Repay (ATR) and Qualified Mortgages (QM). Urge the CFPB to consider the letter and intent of the ATR and QM statutory requirements to ensure that: (1) borrowers maintain at least the same level of access to responsible, affordable mortgage credit that they have today; and (2) all mortgage loans are made based on a demonstrated ability to repay analysis that relies on documented and verified income and is itself documented and subject to examination by the Bureau and other regulators Support real-time payments; support efforts by the Federal Reserve to develop a real-time payment plan; support the inclusion of civil right protections in any and all real-time payment plans

- H.R. 4254, the Overdraft Protection Act of 2019 - SAFE Banking Act, H.R. 1595/S. 1200 - Senate Bill 1790, FY 2020 NDAA - Housing Finance Reform - access to secondary mortgage market.

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

Government targets: HOUSE OF REPRESENTATIVES

Oppose efforts in Congress to weaken the independent funding or single-director structure of the Consumer Financial Protection Bureau (including in FSGG Appropriations-HR3351 and related House or Senate bills and so-called mini-bus packages). Support Data Breach Prevention and Compensation Act (S1336/HR2545) to hold large credit reporting agencies (CRAs)-including Equifax-accountable for data breaches involving consumer data. Support (draft House) Consumer Credit Reporting Reform Act (Waters). Support other credit reporting reforms including HR 3614, Restricting Use of Credit Checks for Employment Decisions 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; and HR 3629, Clarity in Credit Score Formation Act. Urge Consumer Financial Protection Bureau to prevent fraud in Property Assessed Clean Energy (PACE) loans. Urge Consumer Financial Protection Bureau not to reverse/weaken the Payday Lending and Auto Title Loan Regulation (CFPB-2019-0006). Urge CFPB not to weaken debt collection rights (Docket No. CFPB-2019-0022 RIN 3170-AA41). Urge CFPB not to weaken the 2009 Overdraft Rule. Support Overdraft Protection Act of 2019 (HR 4254). Support Better Oversight of Secondary Sales and Accountability in Concert Ticketing Act of 2019 (HR3248 and S1850). Urge CFPB to fully supervise the Military Lending Act. Urge CFPB not to weaken the Public Consumer Complaint Database. Urge CFPB to use full enforcement authorities and to hold more wrongdoers accountable with larger civil penalties and more consumer restitution orders. Support efforts by Federal Housing Finance Authority to broaden access to homeownership for creditworthy borrowers with limited English proficiency. Oppose numerous not-yet-introduced draft proposals in Senate Commerce and House Energy and Commerce Committees to establish federal privacy or data breach/data security laws that would preempt stronger state privacy laws and prevent consumers from enforcing private rights of action when harmed. Urge members of House and Senate to back federal privacy proposals that protect stronger state laws, establish a Data Protection Authority, grant consumer private rights of action against privacy harms and protect civil rights. Urge Federal Trade Commission to enforce the Facebook consent order and impose penalties as well as hold executives accountable. Urge the FTC to impose more penalties and restitution generally in its orders against wrongdoers. Urge FTC to strengthen Safeguards Rule on Data Security (16 C.F.R. part 314, Project No. P145407).