Non-Judicial Foreclosure Debt Collection Clarification Act

FDCPA Legislation * monitor H.R. 3948, H.R. 4403, H.R. 5021, H.R. 5003, H.R. 5001, H.R. 5013 COVID-19 Consumer Debt Collection Moratoria Legislation (H.R. 6800, H.R. 6423, H.R. 6379, S. 3565, House amendment to the Senate amendments to H.R. 925) * lobbying in opposition to consumer debt moratoria proposals that prevent collection of community association assessments that fund essential services * exempting community associations from the definition of creditor in above referenced legislation

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

Government targets: Consumer Financial Protection Bureau (CFPB), Federal Communications Commission (FCC), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE, Small Business Administration (SBA)

Issues related the Consumer Financial Protection Bureau Fair Debt Collection Practices Act rulemaking Issues related to the Consumer Financial Protection Bureau complaint database Issues related to the Consumer Financial Protection Bureau Request for Information process Issues related to medical debt Issues related to student lending S.187 CFPB-IG Act - To require Senate confirmation of the Inspector General of the Bureau of Consumer Financial Protection, and for other purposes. H.R.969 - Bring the Bureau of Consumer Financial Protection into the regular appropriation process, and for other purposes H.R.969 - TABS Act of 2019 - To amend the Consumer Financial Protection Act of 2010 to bring the Bureau of Consumer Financial Protection into the regular appropriations process, and for other purposes. S.453 - Consumer Financial Protection Bureau Accountability Act of 2019 - To amend the Consumer Financial Protection Act of 2010 to subject the Bureau of Consumer Financial Protection to the regular appropriations process, and for other purposes. H.R. 3198 - Comprehensive Regulatory Review Act - To amend the Economic Growth and Regulatory Paperwork Reduction Act of 1996 to ensure that Federal financial regulators perform a comprehensive review of regulations to identify outdated or otherwise unnecessary regulatory requirements imposed on covered persons, and for other purposes. H.R. 3490 - the Small Business Lending Fairness Act - To amend TILA to prohibit anyone from extending credit pursuant to a confession of judgement provision, warrant of attorney, or any other waiver of right to be heard in a lawsuit to collect the debt. H.R. 3948 - the Debt Collection Practices Harmonization Act - To amend the FDCPA to extend the provisions of that Act to cover a debt collector who is collecting debt owed to a State or local government, to index award amounts under such Act for inflation, to provide for civil injunctive relief for violations of such Act, and for other purposes. H.R. 4403 - the Stop Debt Collection Abuse Act - To amend the FDCPA to apply to debt buyers and to collectors of debt owed by a consumer to a federal agency that is 180 days or more past due; to limit fees a collector can collect for such debt to fees that are "reasonable in relation to the actual cost of collection;" that are authorized by the collector's contract wit the federal agency to collect that debt; and are not greater than 10% of the debt to be collected. H.R. 4664 - Monitoring and Curbing Abusive Debt Collection Practices Act - To amend the Consumer Financial Protection Act to prohibit the CFPB from issuing rules pursuant to the FDCPA that would allow a debt collector to send unlimited email and text messages to a consumer. H.R. 5001 - Non-Judicial Foreclosure Debt Collection Clarification Act - To amend the definition of debt collector under the FDCPA to include any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests. H.R. 5003 - Fair Debt Collection Practices for Servicemembers Act - To amend the FDCPA to prohibit debt collectors from communicating with the commanding officer or officer in charge of any servicemember regarding an outstanding debt or the location of the servicemember; and to prohibit debt collectors from stating to a servicemember that failure to cooperate will result in prosecution on the Uniform Code of Military Justice. H.R. 5013 - Small Business Fair Debt Collection Protection Act - To amend the FDCPA to apply to the collection of "small business debts" meaning non-equity obligations less than $5 million. H.R. 5021 - Ending Debt Collection Harassment Act of 2019 - To amend the FDCPA to prohibit the CFPB from issuing a final rule on debt collection that allows unlimited electronic communications, including email or texts, from debt collectors to consumers; to prohibit collectors from contacting consumers via email or text message after a consumer has withdrawn their consent from receiving communications through these mediums or contacting them via email or text more frequently than as agreed to by the consumer; and to require collectors to send a consumer a notice of debt within five days after the initial communication with the consumer in connection with collecting a debt, even if the statutorily-required information was included in the initial communication. To amend the Consumer Financial Protection Act to require rules issued by the CFPB pursuant to the FDCPA must require collectors to obtain a consumers prior consent to contact them in any method other than via postal mail or telephone; to prohibits rules issued by the CFPB pursuant to the FDCPA from waiving compliance with the ESIGN Act; and to require rules issued by the CFPB pursuant to the FDCPA must allow consumers to opt-out of any method of communication and to withdraw prior consent to modes of communication. H.R. 5034 - Fair Debt Collection Improvement Act - To amend the FDCPA to prohibit debt collectors from collecting, or attempting to collect, on a debt of a consumer with respect to which the statute of limitations has expired, and for other purposes. H.R. 5287 - Fair Student Loan Debt Collection Practice Act - To amend the FDCPA to prohibit debt collectors from attempt to collect a federal student loan debt (meaning a loan made, insured or guaranteed under Title IV) during the period when the borrower would not be required to make a payment under an income-drive repayment plan. H.R. 5330 - Consumer Protections for Medical Debt Collections Act - To amend the FDCPA and FCRA to require a debt collector and furnishers to CRAs to provide written notices to consumers about restrictions on reporting medical debt, to refrain from reporting medical debt for over 1 year and to never report certain medical debt, and imposing a 2-year waiting period to colloect certain medical debt. S.3508 - A bill to amend the Fair Credit Reporting Act - to provide for disaster protection for workers' credit. H.R. 6321- Financial Protections and Assistance for Americas Consumers, States, Businesses, and Vulnerable Populations Act during the COVID-19 emergency and to recover from the emergency S. 3565 - A bill to amend the Fair Debt Collection Practices Act (FDCPA) during a major disaster or emergency-such as the current COVID-19 pandemic HR 748 - CARES Act - To provide emergency assistance and health care response for individuals, families, and businesses affected by the 2020 coronavirus pandemic. S.3548 - CARES Act - To provide emergency assistance and health care response for individuals, families, and businesses affected by the 2020 coronavirus pandemic. H.R.6800 - The Heroes Act S. 1624 - HEALS Act S. 4186 - Driving for Opportunities Act of 2020

Issues related to credit union operations Issues related to credit union field of membership Issues related to credit union service organization Issues related to vacancies on the National Credit Union Administration (NCUA) Board Issues related to NCUA's low income designation regulations Issues related to NCUA examination procedures Issues related to NCUA's regulation regarding its regulatory emergency liquidity Issues related to NCUA's rulemaking process Issues related to NCUA's Advanced Notice of Proposed Rulemaking on Alternative Capital Issues related to NCUA's regulatory review process Issues related to Federal Credit Union Bylaws Issues related to credit union loan maturity restrictions Issues related to credit union investment authority Issues related to Regulation of Federal Credit Union By-laws Issues related to credit unions' incidental powers Issues related to credit unions ability to offer prepaid cards Issues related to credit union service to marijuana businesses Issues related to material loss reports of the NCUA Office of Inspector General Issues related to the regulation of corporate credit unions Issues related to the use of Eminent Domain to Seize Performing Mortgage Loans Issues related to fixed assets Issues related to credit union conversions Issues related to credit union call report modernization Issues related to NCUA's Corporate Credit Union Stabilization Plan Issues related to NCUA's budget and the overhead transfer rate Issues related to Credit Union Service Organizations (CUSO) Issues related to the authority of the CFPB to exempt credit unions from its rulemaking Issues related to the CFPB rule to remittances and international wire transfers Issues related to CFPB's Leadership Structure and Installing a Board rather than a Director Issues related to codifying the CFPB's Credit Union Advisory Council Issues related to requiring SBREFA Panels for CFPB Rulemakings Issues related to overdraft protection and check ordering practices Issues related to mortgage servicing Issues related to mortgage loan originator compensation and qualifications Issues related to the CFPB's rule regarding qualified mortgage / ability to repay Issues related to the CFPB's regulation on Home Mortgage Disclosure Act (Regulation C) Issues related to the CFPB's regulation on Truth-In-Lending Act / Real Estate Settlement Procedures Act Integrated Disclosures Issues related to the payday, vehicle title, and similar lending Issues related to short term lending products and advance deposit products Issues related to the CFPB's consumer complaint database Issues related to the Department of Justice's investigation entitled, "Operation Choke Point" Issues related to the Department of Defenese Poposal regarding Credit Extending to Service Members under MLA Issues related to indirect auto lending Issues related to credit union service to unbanked and underbanked consumers Issues related to the Financial Accounting Standards Board (FASB) Issues related to data and cyber security Issues related to mobile banking and mobile payments Issues related to identity theft and fraud reduction Issues related to secure payments Issues related to merchant data breaches Issues related to the payments system Issues related to Federal Reserve Regulation D Issues related to the Fed's implementation of same-day ACH Issues related to the Bank Secrecy Act and Currency Transaction Reporting Requirements Issues related to the oversight of the Federal Housing Administration Issues related to the USDA Rural Development Loan Program Issues related to the Federal Home Loan Bank System Issues related to Fannie Mae Capital Issues related to membership eligibility in the Federal Home Loan Bank System Issues related to financial literacy Issues related to Housing Finance Reform Issues related to student lending Issues related to the Economic Growth and Regulatory Paperwork Reduction Act process Issues related to retirement security Issues related to flood insurance Issues related to consumer's access to records Issues related to economic growth Issues related to Interchange Fees Issues related to the Equal Credit Opportunity Act Issues related to the Fair Housing act Issues related to the merger of credit unions Issues related to the Real Estate Settlement Procedures Act Issues related to Community Reinvestment Act Issues related to Regulation Z Issues related to Military Lending Act Issues related to Financial Technology Issues related to Small Business Lending Data Collection requirements Issues related to Involuntary liquidation of Federal Credit Unions and Claims procedures Issues related to Web-Based Quantitative Testing of Point of Sale / ATM Overdraft Disclosure Forms Issues related to residential appraisals Issues related to FHA appraisal certification Issues related to FHA and USDA Loan Modifications Issues related to payments innovation Issues related to Faster Payments Issues related to the Fair Credit Reporting Act Issues related to cooperative funding sources in federal appropriations legislation Issues related to debt collection requirements Issues related to capital reform for credit unions Issues related to procurement reform for private voluntary organizations Issues related to Federal Credit Union Charter Modernization Issues related to diversity and inclusion in Financial Services Issues related to Section 124 of the Federal Credit Union Act Issues related to NCUA's Fidelity Bonds Proposed Rule Issues related to the Consumer Financial Protection Bureau's No-Acton Letters and the BCFP Product Sandbox Issues related to the Consumer Financial Protection Bureau's proposal to extend the Payday Rule's compliance daedline Issues related to enterprise validation and approval of credit score models Issues related to the availability of Funds and Collection of Checks (Regulation CC) Issues related to arbitration clauses Issues related to SBA 79(a) loan program Issues related to financial institutions operating on military installations Issues related to postal banking Issues related to robocalls and the Stopping Bad Robocalls Act Issues related to financial technology (FINTECH) Issues related to the Consumer Financial Protection Bureau Payday Rule Issues related to appraisals Issues related to student lending Issues related to robocalls and the draft Declaratory Ruling (the ruling) and Third Further Notice of Proposed Rulemaking (FNPRM) CG Docket No 17-59, WC Docket No. 17-97 Issues related to FY 2020 Foreign Assistance Budget and Policy Priorities Issues related to payday and small dollar lending Issues related to leases of non-excess property on military bases Issues related to Opportunity Zones Issues related to minority homeownership Issues related to permit Federal Credit Unions to establish their own fiscal year Issues related to striking a requirement that Federal credit unions file certain information regarding loan officers Issues related to enhance flexibility of Federal Credit Unions to schedule board meetings Issues related to remove certain outdated responsibilities of Federal credit union board of directors Issues related to permit Federal credit unions to expel disruptive members for just cause without a vote Issues related to permit balloting for conversions from state to federal charter and from federal to state charter to be conducted electronically Issues related to the draft bill improving Laundering Laws and Increasing Comprehensive Information Issues related to tracking of Criminal Activity in Shell Holding (ILLICIT CASH Act) Issues related to PACE loans Issues related to Consumer Financial Protection Bureau's HMDA reporting thresholds Issues on NCUA Executive compensation rules Issues related to business access to financial services Issues related to Strengthening Cybersecurity for the Financial Sector Act of 2019 Issues related to minority depository institutions Issues related to the Federal Reserve's Faster Payments Proposal Issues related to AI and cloud computing Issues related to the Consumer Online Privacy Rights Act Issues related to Credit Union Board Meeting Frequency Issues related to COVID-19 crisis response legislation Issues related to the regulation of overtime Issues related to the Paycheck Protection Program Issues related to Taxi Medallion loans Issues related to essential services designation for financial services during COVID-19 Issues related to QRM Risk Retention review Issues related to NCUA's proposed rule on Combination transactions Issues related to the Freezing Assets of Suspected Terrorist and Enemy Recruits Act of 2020 Issues related to the regulation of credit unions as employers Issues related to liability protections for businesses Issues related to remote notary Issues related to Federal Home Loan Bank liquidity Issues related to digital identity legislation Issues related to Paid Leave Payroll Tax Credits Issues related to the Central Liquidity Facility (CLF) Issues related to Economic Impact Payments Issues related to Fed Accounts Issues related to the Federal Reserve's Main Street Lending Program Issues related to the legislation to temporarily halt the Federal financial regulators from carrying out rulemakings unrelated to the COVID-19 emergency until the end of such emergency Issues related to troubled debt restructuring Issues related to Prompt Corrective Action requirements Issues related to NCUA subordinated debt rulemaking Issues related to Uniform Residential Loan application Issues related to digitalization of money Issues related to electronic signatures on wire transfer documents Issues related to cybercriminal activity during COVID-19 Issues related to lender forbearance Issues related to Paycheck Protection Program forgiveness process Issues related to Agriculture Lending Issues related to Fair Debt Collection Practices Act Issues related to Diversity in Financial Regulatory Advisory Committees Act Issues related to Federal Home Loan Bank Board Diversity Act Issues related to Federal Reserve Bank Board Diversity Act Issues related to the FHFA market fee increase Issues related to OCC payment charters Issues related to the Student Empowerment and Financial Literacy Act Issues related to provision 4013 of the Coronavirus Aid, Relief and Economic Security Act Issues related to setting an American Framework to Ensure Data Access, Transparency and Accountability Issues related to Tax provisions in the CARES Act Issues related to the Federal Reserve on FedNOW Issues related to support of legislation to create CDFI National Crisis Fund Issues related to OCC National Bank and Savings Association Digital Activities Issues related to FHFA's proposed Adverse Market Refinance Fee Issues related to the treatment of certain COVID-19 Loss Mitigation options under RESPA (Reg X) Issues related to the NCUA 2020 Regulatory Review H.R. 266, Paycheck Protection Program and Healthcare Enhancement Act H.R. 388, the Financial Reporting Threshold Modernization Act H.R. 442, to amend the Consumer Financial Protection Act of 2010 to extend the supervisory authority of the Bureau of Consumer Financial Protection to include assessing compliance with the Military Lending Act H.R. 748, the Coronavirus Aid, Relief, and Economic Security Act, Title I and Secs. 4008, 4012, 4014 of Title IV H.R.1039, to streamline requirements for currency transaction reports and suspicious activity reports and for other purposes H.R. 1158, the FY2020 Consolidated Appropriations Act (funding for the CDFI Fund as well as the Community Development Revolving Loan Fund) H.R. 1500, the Consumers First Act H.R. 1595, the Secure and Fair Enforcement (SAFE) Banking act of 2019 H.R. 1661, to provide the National Credit Union Administration Board flexibility to increase Federal credit Union loan maturities, and for other purposes H.R. 1737, the American Housing and Economic Mobility Act of 2019 H.R. 1865, FY2020 Further Consolidated Appropriations Act (funding for the Cooperative Development Program, tax extenders, repeal of "parking tax") H.R. 1957, the Taxpayers First Act of 2019 H.R. 2093, to amend the Controlled Substances Act to provide for a new rule regarding the application of the Act of marijuana, and for other purposes H.R. 2157, Supplemental Appropriations Act of 2019 H.R. 2162, Housing Financial Literacy Act of 2019 H.R. 2290, Shutdown Guidance for Financial Institutions Act H.R. 2305, Veterans Members Business Loan Act H.R. 2445, Self-Employed Mortgage Access Act H.R. 2500, National Defense Authorization Act for Fiscal Year 2020 H.R. 2513, Corporate Transparency Act of 2019 H.R. 2514, Coordinating Oversight, Upgrading and Innovating Technology, and Examiner Reform Act of 2019 H.R. 2740, the State and Foreign Operations and Related Programs Appropriations Act H.R. 2852, Homebuyer Assistance Act of 2019 H.R. 3055, Further Continuing Appropriations Act, 2020, flood insurance provision H.R. 3111, National Flood Insurance Program Administration Reform Act of 2019 H.R. 3167, National Flood Insurance Program Re-authorization Act of 2019 H.R. 3182, Current Expected Credit Loss Consumer Impact and Study Bill of 2019 H.R. 3198, the Comprehensive Regulatory Review Act H.R. 3300, the Economic Mobility Act of 2019 H.R. 3301, the Taxpayer Certainty and Disaster Tax Relief Act of 2019 H.R. 3351, Financial Services and General Government Appropriations Act of 2020 H.R. 3375, the Stopping Bad Robocalls Act H.R. 4458, Cybersecurity and Financial System Resilience Act H.R. 4464, Monitoring and Curbing Abusive Debt Collection Clarification Act H.R. 4565, the Responsible Accounting Standards Act of 2019 H.R. 5001, Non-Judicial Foreclosure Debt Collection Clarification Act H.R. 5013, Small Business Fair Debt Collection Protection Act H.R. 5050, Veterans and Consumers Fair Credit Act H.R. 5132, Gun Violence Prevention through Financial Intelligence Act H.R. 5315, Expanding Opportunities for Minority Depository Institutions Act H.R. 5322, Ensuring Diversity in Community Banking Act of 2019 H.R. 5332, Protecting your Credit Score Act of 2019 H.R. 5332, Protection your Credit Score Act of 2019, Sec. 5 H.R. 5513, the Expanding Opportunities for Minority Depository Institutions Act H.R. 5981, Credit Union Board Modernization Act H.R. 6074, Coronavirus Preparedness and Response Supplemental Appropriations Act H.R. 6116, the Consumer Financial Protection Commission Act of 2020 H.R. 6201, the Families First Coronavirus Response Act, paid and sick leave provisions H.R. 6321, the Financial Protections and Assistance for America's Consumers, States, Businesses, and Vulnerable Populations Act H.R. 6395, National Defense Authorization Act for Fiscal Year 2021 H.R. 6423, to provide a temporary debt collection moratorium during the COVID-19 emergency period, and for other purposes H.R. 6550, Access to Credit for Small Businesses Impacted by the COVID-19 Crisis Act of 2020 H.R. 6551, the CARES Act Section 4014, Technical Corrections Act H.R. 6729, the COVID-19 Homeowner Assistance Fund Act H.R. 6735, the COVID-19 Fraud Prevention Act H.R. 6736, the Protect Rural Renters Act of 2020 H.R. 6741, the COVID-19 Mortgage Relief Act H.R. 6789, Access to Credit for Small Businesses Impacted by the COVID-19 Crisis Act of 2020 H.R. 6790, the Business Borrowers Protection Act H.R. 6800, Health and Economic Recovery Omnibus Emergency Solutions (HEROES) Act of 2020 H.R. 6820, the Emergency Rental Assistance and Rental Market Stabilization Act of 2020 H.R. 6861, Paycheck Protection Program Data and Diversity Accountability Act of 2020 H.R. 6873, the Emergency Housing Assistance for Older Adults Act of 2020 H.R. 6874, Paycheck Protection Program Transparency Act of 2020 H.R. 7084, the Emergency Housing Voucher Act of 2020 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 of 2021 H.R. 7777, Paycheck Protection Small Business Forgiveness Act H.R. 7963, Credit Union Governance Modernization Act of 2020 H.R. 8160, Promoting Diversity and Inclusion in Banking Act of 2020 H.Res 275, Supporting the goals and ideals of "Financial Literacy Month" H.Res 327, Encouraging greater public-private sector collaboration to promote financial literacy for students and young adults H.Res 328, Supporting the protection of elders through financial literacy H. Res 602, Support of resolution in support of cooperatives S. 151, Telephone Robocall Abuse Criminal Enforcement and Deterrence Act S. 787, the American Housing and Economic Mobility Act of 2019 S. 1028, Strengthening the Tenth Amendment through Entrusting States (STATES Act) S. 1200, Secure and Fair Enforcement Banking Act of 2019 (SAFE Act) S. 1564, Continued Encouragement for Consumer Lending Act S. 1624, HEALS Act S. 2524, the Financial Services and General Government Appropriations Act of Fiscal Year 2020 S. 2563, The Improving Laundering Laws and Increasing Comprehensive Information S. 2583, the State-Foreign Operations and Related Programs Appropriations Act for FY2020 S. 2833, Veterans and Consumers Fair Credit Act of 2019 S. 2834, Veterans member Business Loan Act S. 3003, the Financial Institution Customer Protection Act S. 3032, Strengthening the Tenth Amendment Through Entrusting States S. 3323, Credit Union Governance Modernization Act of 2020 S. 3326, Credit Union Modernization Act of 2019 S. 3389, Expanding Access to Lending Options Act S. 3533, the Securing and Enabling Commerce Using Remote and Electronic (SECURE) S. 3548, Coronavirus Aid, Relief, and Economic Security act, payroll tax provisions S. 3571, the Financial Protections and Assistance for America's Consumers, States, Businesses, and Vulnerable Populations Act S. 3620, A Bill to establish a Housing Assistance Fund at the Department of Treasury S. 3676, Access to Credit for Small Businesses Impacted by the COVID-19 Crisis Act of 2020 S. 4049, National Defense Authorization Act for Fiscal Year 2021 S. 4116, to extend the authority for commitments for the paycheck protection program and separate amounts authorized for other loans under section 7(a) of the Small Business Act, and for other purposes S. 4117, Paycheck Protection Small Business Forgiveness Act S. 4159 the E-SIGN Modernization Act of 2020 S. 4317, the SAFE to WORK Act S. 4430, CDFI Crisis Fund Act Sec. 2821 of S. 1790, the National Defense Authorization Act of FY 2020

Issues related the Consumer Financial Protection Bureau Fair Debt Collection Practices Act rulemaking Issues related to the Consumer Financial Protection Bureau complaint database Issues related to the Consumer Financial Protection Bureau Request for Information process Issues related to medical debt Issues related to student lending S.187 CFPB-IG Act - To require Senate confirmation of the Inspector General of the Bureau of Consumer Financial Protection, and for other purposes. H.R.969 - Bring the Bureau of Consumer Financial Protection into the regular appropriation process, and for other purposes H.R.969 - TABS Act of 2019 - To amend the Consumer Financial Protection Act of 2010 to bring the Bureau of Consumer Financial Protection into the regular appropriations process, and for other purposes. S.453 - Consumer Financial Protection Bureau Accountability Act of 2019 - To amend the Consumer Financial Protection Act of 2010 to subject the Bureau of Consumer Financial Protection to the regular appropriations process, and for other purposes. H.R. 3198 - Comprehensive Regulatory Review Act - To amend the Economic Growth and Regulatory Paperwork Reduction Act of 1996 to ensure that Federal financial regulators perform a comprehensive review of regulations to identify outdated or otherwise unnecessary regulatory requirements imposed on covered persons, and for other purposes. H.R. 3490 - the Small Business Lending Fairness Act - To amend TILA to prohibit anyone from extending credit pursuant to a confession of judgement provision, warrant of attorney, or any other waiver of right to be heard in a lawsuit to collect the debt. H.R. 3948 - the Debt Collection Practices Harmonization Act - To amend the FDCPA to extend the provisions of that Act to cover a debt collector who is collecting debt owed to a State or local government, to index award amounts under such Act for inflation, to provide for civil injunctive relief for violations of such Act, and for other purposes. H.R. 4403 - the Stop Debt Collection Abuse Act - To amend the FDCPA to apply to debt buyers and to collectors of debt owed by a consumer to a federal agency that is 180 days or more past due; to limit fees a collector can collect for such debt to fees that are "reasonable in relation to the actual cost of collection;" that are authorized by the collector's contract wit the federal agency to collect that debt; and are not greater than 10% of the debt to be collected. H.R. 4664 - Monitoring and Curbing Abusive Debt Collection Practices Act - To amend the Consumer Financial Protection Act to prohibit the CFPB from issuing rules pursuant to the FDCPA that would allow a debt collector to send unlimited email and text messages to a consumer. H.R. 5001 - Non-Judicial Foreclosure Debt Collection Clarification Act - To amend the definition of debt collector under the FDCPA to include any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests. H.R. 5003 - Fair Debt Collection Practices for Servicemembers Act - To amend the FDCPA to prohibit debt collectors from communicating with the commanding officer or officer in charge of any servicemember regarding an outstanding debt or the location of the servicemember; and to prohibit debt collectors from stating to a servicemember that failure to cooperate will result in prosecution on the Uniform Code of Military Justice. H.R. 5013 - Small Business Fair Debt Collection Protection Act - To amend the FDCPA to apply to the collection of "small business debts" meaning non-equity obligations less than $5 million. H.R. 5021 - Ending Debt Collection Harassment Act of 2019 - To amend the FDCPA to prohibit the CFPB from issuing a final rule on debt collection that allows unlimited electronic communications, including email or texts, from debt collectors to consumers; to prohibit collectors from contacting consumers via email or text message after a consumer has withdrawn their consent from receiving communications through these mediums or contacting them via email or text more frequently than as agreed to by the consumer; and to require collectors to send a consumer a notice of debt within five days after the initial communication with the consumer in connection with collecting a debt, even if the statutorily-required information was included in the initial communication. To amend the Consumer Financial Protection Act to require rules issued by the CFPB pursuant to the FDCPA must require collectors to obtain a consumers prior consent to contact them in any method other than via postal mail or telephone; to prohibits rules issued by the CFPB pursuant to the FDCPA from waiving compliance with the ESIGN Act; and to require rules issued by the CFPB pursuant to the FDCPA must allow consumers to opt-out of any method of communication and to withdraw prior consent to modes of communication. H.R. 5034 - Fair Debt Collection Improvement Act - To amend the FDCPA to prohibit debt collectors from collecting, or attempting to collect, on a debt of a consumer with respect to which the statute of limitations has expired, and for other purposes. H.R. 5287 - Fair Student Loan Debt Collection Practice Act - To amend the FDCPA to prohibit debt collectors from attempt to collect a federal student loan debt (meaning a loan made, insured or guaranteed under Title IV) during the period when the borrower would not be required to make a payment under an income-drive repayment plan. H.R. 5330 - Consumer Protections for Medical Debt Collections Act - To amend the FDCPA and FCRA to require a debt collector and furnishers to CRAs to provide written notices to consumers about restrictions on reporting medical debt, to refrain from reporting medical debt for over 1 year and to never report certain medical debt, and imposing a 2-year waiting period to colloect certain medical debt. S.3508 - A bill to amend the Fair Credit Reporting Act - to provide for disaster protection for workers' credit. H.R. 6321- Financial Protections and Assistance for Americas Consumers, States, Businesses, and Vulnerable Populations Act during the COVID-19 emergency and to recover from the emergency S. 3565 - A bill to amend the Fair Debt Collection Practices Act (FDCPA) during a major disaster or emergency-such as the current COVID-19 pandemic HR 748 - CARES Act - To provide emergency assistance and health care response for individuals, families, and businesses affected by the 2020 coronavirus pandemic. S.3548 - CARES Act - To provide emergency assistance and health care response for individuals, families, and businesses affected by the 2020 coronavirus pandemic. H.R.6800 - The Heroes Act S. 1624 - HEALS Act

FDCPA Legislation * monitor H.R. 3948, H.R. 4403, H.R. 5021, H.R. 5003, H.R. 5001, H.R. 5013 COVID-19 Consumer Debt Collection Moratoria Legislation (H.R. 6800, H.R. 6423, H.R. 6379, S. 3565, House amendment to the Senate amendments to H.R. 925) * lobbying in opposition to consumer debt moratoria proposals that prevent collection of community association assessments that fund essential services * exempting community associations from the definition of creditor in above referenced legislation

Client expense: $36,150 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), Federal Communications Commission (FCC), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE, Small Business Administration (SBA)

FDCPA Legislation * monitor H.R. 3948, H.R. 4403, H.R. 5021, H.R. 5003, H.R. 5001, H.R. 5013 COVID-19 Consumer Debt Collection Moratoria Legislation (H.R. 6800, H.R. 6423, H.R. 6379, S. 3565, House amendment to the Senate amendments to H.R. 925) * lobbying in opposition to consumer debt moratoria proposals that prevent collection of community association assessments that fund essential services * exempting community associations from the definition of creditor in above referenced legislation

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

Government targets: Consumer Financial Protection Bureau (CFPB), Federal Communications Commission (FCC), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE, Small Business Administration (SBA)

Issues related the Consumer Financial Protection Bureau Fair Debt Collection Practices Act rulemaking Issues related to the Consumer Financial Protection Bureau complaint database Issues related to the Consumer Financial Protection Bureau Request for Information process Issues related to medical debt Issues related to student lending S.187 CFPB-IG Act - To require Senate confirmation of the Inspector General of the Bureau of Consumer Financial Protection, and for other purposes. H.R.969 - Bring the Bureau of Consumer Financial Protection into the regular appropriation process, and for other purposes H.R.969 - TABS Act of 2019 - To amend the Consumer Financial Protection Act of 2010 to bring the Bureau of Consumer Financial Protection into the regular appropriations process, and for other purposes. S.453 - Consumer Financial Protection Bureau Accountability Act of 2019 - To amend the Consumer Financial Protection Act of 2010 to subject the Bureau of Consumer Financial Protection to the regular appropriations process, and for other purposes. H.R. 3198 - Comprehensive Regulatory Review Act - To amend the Economic Growth and Regulatory Paperwork Reduction Act of 1996 to ensure that Federal financial regulators perform a comprehensive review of regulations to identify outdated or otherwise unnecessary regulatory requirements imposed on covered persons, and for other purposes. H.R. 3490 - the Small Business Lending Fairness Act - To amend TILA to prohibit anyone from extending credit pursuant to a confession of judgement provision, warrant of attorney, or any other waiver of right to be heard in a lawsuit to collect the debt. H.R. 3948 - the Debt Collection Practices Harmonization Act - To amend the FDCPA to extend the provisions of that Act to cover a debt collector who is collecting debt owed to a State or local government, to index award amounts under such Act for inflation, to provide for civil injunctive relief for violations of such Act, and for other purposes. H.R. 4403 - the Stop Debt Collection Abuse Act - To amend the FDCPA to apply to debt buyers and to collectors of debt owed by a consumer to a federal agency that is 180 days or more past due; to limit fees a collector can collect for such debt to fees that are "reasonable in relation to the actual cost of collection;" that are authorized by the collector's contract wit the federal agency to collect that debt; and are not greater than 10% of the debt to be collected. H.R. 4664 - Monitoring and Curbing Abusive Debt Collection Practices Act - To amend the Consumer Financial Protection Act to prohibit the CFPB from issuing rules pursuant to the FDCPA that would allow a debt collector to send unlimited email and text messages to a consumer. H.R. 5001 - Non-Judicial Foreclosure Debt Collection Clarification Act - To amend the definition of debt collector under the FDCPA to include any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests. H.R. 5003 - Fair Debt Collection Practices for Servicemembers Act - To amend the FDCPA to prohibit debt collectors from communicating with the commanding officer or officer in charge of any servicemember regarding an outstanding debt or the location of the servicemember; and to prohibit debt collectors from stating to a servicemember that failure to cooperate will result in prosecution on the Uniform Code of Military Justice. H.R. 5013 - Small Business Fair Debt Collection Protection Act - To amend the FDCPA to apply to the collection of "small business debts" meaning non-equity obligations less than $5 million. H.R. 5021 - Ending Debt Collection Harassment Act of 2019 - To amend the FDCPA to prohibit the CFPB from issuing a final rule on debt collection that allows unlimited electronic communications, including email or texts, from debt collectors to consumers; to prohibit collectors from contacting consumers via email or text message after a consumer has withdrawn their consent from receiving communications through these mediums or contacting them via email or text more frequently than as agreed to by the consumer; and to require collectors to send a consumer a notice of debt within five days after the initial communication with the consumer in connection with collecting a debt, even if the statutorily-required information was included in the initial communication. To amend the Consumer Financial Protection Act to require rules issued by the CFPB pursuant to the FDCPA must require collectors to obtain a consumers prior consent to contact them in any method other than via postal mail or telephone; to prohibits rules issued by the CFPB pursuant to the FDCPA from waiving compliance with the ESIGN Act; and to require rules issued by the CFPB pursuant to the FDCPA must allow consumers to opt-out of any method of communication and to withdraw prior consent to modes of communication. H.R. 5034 - Fair Debt Collection Improvement Act - To amend the FDCPA to prohibit debt collectors from collecting, or attempting to collect, on a debt of a consumer with respect to which the statute of limitations has expired, and for other purposes. H.R. 5287 - Fair Student Loan Debt Collection Practice Act - To amend the FDCPA to prohibit debt collectors from attempt to collect a federal student loan debt (meaning a loan made, insured or guaranteed under Title IV) during the period when the borrower would not be required to make a payment under an income-drive repayment plan. H.R. 5330 - Consumer Protections for Medical Debt Collections Act - To amend the FDCPA and FCRA to require a debt collector and furnishers to CRAs to provide written notices to consumers about restrictions on reporting medical debt, to refrain from reporting medical debt for over 1 year and to never report certain medical debt, and imposing a 2-year waiting period to colloect certain medical debt. S.3508 - A bill to amend the Fair Credit Reporting Act - to provide for disaster protection for workers' credit. H.R. 6321- Financial Protections and Assistance for Americas Consumers, States, Businesses, and Vulnerable Populations Act during the COVID-19 emergency and to recover from the emergency S. 3565 - A bill to amend the Fair Debt Collection Practices Act (FDCPA) during a major disaster or emergency-such as the current COVID-19 pandemic HR 748 - CARES Act - To provide emergency assistance and health care response for individuals, families, and businesses affected by the 2020 coronavirus pandemic. S.3548 - CARES Act - To provide emergency assistance and health care response for individuals, families, and businesses affected by the 2020 coronavirus pandemic. H.R.6800 - The Heroes Act

Issues related to credit union operations Issues related to credit union field of membership Issues related to credit union service organization Issues related to vacancies on the National Credit Union Administration (NCUA) Board Issues related to NCUA's low income designation regulations Issues related to NCUA examination procedures Issues related to NCUA's regulation regarding its regulatory emergency liquidity Issues related to NCUA's rulemaking process Issues related to NCUA's Advanced Notice of Proposed Rulemaking on Alternative Capital Issues related to NCUA's regulatory review process Issues related to Federal Credit Union Bylaws Issues related to credit union loan maturity restrictions Issues related to credit union investment authority Issues related to Regulation of Federal Credit Union By-laws Issues related to credit unions' incidental powers Issues related to credit unions ability to offer prepaid cards Issues related to credit union service to marijuana businesses Issues related to material loss reports of the NCUA Office of Inspector General Issues related to the regulation of corporate credit unions Issues related to the use of Eminent Domain to Seize Performing Mortgage Loans Issues related to fixed assets Issues related to credit union conversions Issues related to credit union call report modernization Issues related to NCUA's Corporate Credit Union Stabilization Plan Issues related to NCUA's budget and the overhead transfer rate Issues related to Credit Union Service Organizations (CUSO) Issues related to the authority of the CFPB to exempt credit unions from its rulemaking Issues related to the CFPB rule to remittances and international wire transfers Issues related to CFPB's Leadership Structure and Installing a Board rather than a Director Issues related to codifying the CFPB's Credit Union Advisory Council Issues related to requiring SBREFA Panels for CFPB Rulemakings Issues related to overdraft protection and check ordering practices Issues related to mortgage servicing Issues related to mortgage loan originator compensation and qualifications Issues related to the CFPB's rule regarding qualified mortgage / ability to repay Issues related to the CFPB's regulation on Home Mortgage Disclosure Act (Regulation C) Issues related to the CFPB's regulation on Truth-In-Lending Act / Real Estate Settlement Procedures Act Integrated Disclosures Issues related to the payday, vehicle title, and similar lending Issues related to short term lending products and advance deposit products Issues related to the CFPB's consumer complaint database Issues related to the Department of Justice's investigation entitled, "Operation Choke Point" Issues related to the Department of Defenese Poposal regarding Credit Extending to Service Members under MLA Issues related to indirect auto lending Issues related to credit union service to unbanked and underbanked consumers Issues related to the Financial Accounting Standards Board (FASB) Issues related to data and cyber security Issues related to mobile banking and mobile payments Issues related to identity theft and fraud reduction Issues related to secure payments Issues related to merchant data breaches Issues related to the payments system Issues related to Federal Reserve Regulation D Issues related to the Fed's implementation of same-day ACH Issues related to the Bank Secrecy Act and Currency Transaction Reporting Requirements Issues related to the oversight of the Federal Housing Administration Issues related to the USDA Rural Development Loan Program Issues related to the Federal Home Loan Bank System Issues related to Fannie Mae Capital Issues related to membership eligibility in the Federal Home Loan Bank System Issues related to financial literacy Issues related to Housing Finance Reform Issues related to student lending Issues related to the Economic Growth and Regulatory Paperwork Reduction Act process Issues related to retirement security Issues related to flood insurance Issues related to consumer's access to records Issues related to economic growth Issues related to Interchange Fees Issues related to the Equal Credit Opportunity Act Issues related to the Fair Housing act Issues related to the merger of credit unions Issues related to the Real Estate Settlement Procedures Act Issues related to Community Reinvestment Act Issues related to Regulation Z Issues related to Military Lending Act Issues related to Financial Technology Issues related to Small Business Lending Data Collection requirements Issues related to Involuntary liquidation of Federal Credit Unions and Claims procedures Issues related to Web-Based Quantitative Testing of Point of Sale / ATM Overdraft Disclosure Forms Issues related to residential appraisals Issues related to FHA appraisal certification Issues related to FHA and USDA Loan Modifications Issues related to payments innovation Issues related to Faster Payments Issues related to the Fair Credit Reporting Act Issues related to cooperative funding sources in federal appropriations legislation Issues related to debt collection requirements Issues related to capital reform for credit unions Issues related to procurement reform for private voluntary organizations Issues related to Federal Credit Union Charter Modernization Issues related to diversity and inclusion in Financial Services Issues related to Section 124 of the Federal Credit Union Act Issues related to NCUA's Fidelity Bonds Proposed Rule Issues related to the Consumer Financial Protection Bureau's No-Acton Letters and the BCFP Product Sandbox Issues related to the Consumer Financial Protection Bureau's proposal to extend the Payday Rule's compliance daedline Issues related to enterprise validation and approval of credit score models Issues related to the availability of Funds and Collection of Checks (Regulation CC) Issues related to arbitration clauses Issues related to SBA 79(a) loan program Issues related to financial institutions operating on military installations Issues related to postal banking Issues related to robocalls and the Stopping Bad Robocalls Act Issues related to financial technology (FINTECH) Issues related to the Consumer Financial Protection Bureau Payday Rule Issues related to appraisals Issues related to student lending Issues related to robocalls and the draft Declaratory Ruling (the ruling) and Third Further Notice of Proposed Rulemaking (FNPRM) CG Docket No 17-59, WC Docket No. 17-97 Issues related to FY 2020 Foreign Assistance Budget and Policy Priorities Issues related to payday and small dollar lending Issues related to leases of non-excess property on military bases Issues related to Opportunity Zones Issues related to minority homeownership Issues related to permit Federal Credit Unions to establish their own fiscal year Issues related to striking a requirement that Federal credit unions file certain information regarding loan officers Issues related to enhance flexibility of Federal Credit Unions to schedule board meetings Issues related to remove certain outdated responsibilities of Federal credit union board of directors Issues related to permit Federal credit unions to expel disruptive members for just cause without a vote Issues related to permit balloting for conversions from state to federal charter and from federal to state charter to be conducted electronically Issues related to the draft bill improving Laundering Laws and Increasing Comprehensive Information Issues related to tracking of Criminal Activity in Shell Holding (ILLICIT CASH Act) Issues related to PACE loans Issues related to Consumer Financial Protection Bureau's HMDA reporting thresholds Issues on NCUA Executive compensation rules Issues related to business access to financial services Issues related to Strengthening Cybersecurity for the Financial Sector Act of 2019 Issues related to minority depository institutions Issues related to the Federal Reserve's Faster Payments Proposal Issues related to AI and cloud computing Issues related to the Consumer Online Privacy Rights Act Issues related to Credit Union Board Meeting Frequency Issues related to COVID-19 crisis response legislation Issues related to the regulation of overtime Issues related to the Paycheck Protection Program Issues related to Taxi Medallion loans Issues related to essential services designation for financial services during COVID-19 Issues related to QRM Risk Retention review Issues related to NCUA's proposed rule on Combination transactions Issues related to the Freezing Assets of Suspected Terrorist and Enemy Recruits Act of 2020 Issues related to the regulation of credit unions as employers Issues related to liability protections for businesses Issues related to remote notary Issues related to Federal Home Loan Bank liquidity Issues related to digital identity legislation Issues related to Paid Leave Payroll Tax Credits Issues related to the Central Liquidity Facility (CLF) Issues related to Economic Impact Payments Issues related to Fed Accounts Issues related to the Federal Reserve's Main Street Lending Program Issues related to the legislation to temporarily halt the Federal financial regulators from carrying out rulemakings unrelated to the COVID-19 emergency until the end of such emergency Issues related to troubled debt restructuring Issues related to Prompt Corrective Action requirements Issues related to NCUA subordinated debt rulemaking Issues related to Uniform Residential Loan application Issues related to digitalization of money Issues related to electronic signatures on wire transfer documents Issues related to cybercriminal activity during COVID-19 Issues related to lender forbearance Issues related to Paycheck Protection Program forgiveness process H.R. 266, Paycheck Protection Program and Healthcare Enhancement Act H.R. 388, the Financial Reporting Threshold Modernization Act H.R. 442, to amend the Consumer Financial Protection Act of 2010 to extend the supervisory authority of the Bureau of Consumer Financial Protection to include assessing compliance with the Military Lending Act H.R. 748, the Coronavirus Aid, Relief, and Economic Security Act, Title I and Secs. 4008, 4012, 4014 of Title IV H.R.1039, to streamline requirements for currency transaction reports and suspicious activity reports and for other purposes H.R. 1158, the FY2020 Consolidated Appropriations Act (funding for the CDFI Fund as well as the Community Development Revolving Loan Fund) H.R. 1500, the Consumers First Act H.R. 1595, the Secure and Fair Enforcement (SAFE) Banking act of 2019 H.R. 1661, to provide the National Credit Union Administration Board flexibility to increase Federal credit Union loan maturities, and for other purposes H.R. 1737, the American Housing and Economic Mobility Act of 2019 H.R. 1865, FY2020 Further Consolidated Appropriations Act (funding for the Cooperative Development Program, tax extenders, repeal of "parking tax") H.R. 1957, the Taxpayers First Act of 2019 H.R. 2093, to amend the Controlled Substances Act to provide for a new rule regarding the application of the Act of marijuana, and for other purposes H.R. 2157, Supplemental Appropriations Act of 2019 H.R. 2162, Housing Financial Literacy Act of 2019 H.R. 2290, Shutdown Guidance for Financial Institutions Act H.R. 2305, Veterans Members Business Loan Act H.R. 2445, Self-Employed Mortgage Access Act H.R. 2500, National Defense Authorization Act for Fiscal Year 2020 H.R. 2513, Corporate Transparency Act of 2019 H.R. 2514, Coordinating Oversight, Upgrading and Innovating Technology, and Examiner Reform Act of 2019 H.R. 2740, the State and Foreign Operations and Related Programs Appropriations Act H.R. 2852, Homebuyer Assistance Act of 2019 H.R. 3111, National Flood Insurance Program Administration Reform Act of 2019 H.R. 3167, National Flood Insurance Program Re-authorization Act of 2019 H.R. 3182, Current Expected Credit Loss Consumer Impact and Study Bill of 2019 H.R. 3198, the Comprehensive Regulatory Review Act H.R. 3300, the Economic Mobility Act of 2019 H.R. 3301, the Taxpayer Certainty and Disaster Tax Relief Act of 2019 H.R. 3351, Financial Services and General Government Appropriations Act of 2020 H.R. 3375, the Stopping Bad Robocalls Act H.R. 4458, Cybersecurity and Financial System Resilience Act H.R. 4464, Monitoring and Curbing Abusive Debt Collection Clarification Act H.R. 4565, the Responsible Accounting Standards Act of 2019 H.R. 5001, Non-Judicial Foreclosure Debt Collection Clarification Act H.R. 5013, Small Business Fair Debt Collection Protection Act H.R. 5050, Veterans and Consumers Fair Credit Act H.R. 5132, Gun Violence Prevention through Financial Intelligence Act H.R. 5315, Expanding Opportunities for Minority Depository Institutions Act H.R. 5322, Ensuring Diversity in Community Banking Act of 2019 H.R. 5332, Protecting your Credit Score Act of 2019 H.R. 5332, Protection your Credit Score Act of 2019, Sec. 5 H.R. 5513, the Expanding Opportunities for Minority Depository Institutions Act H.R. 5981, Credit Union Board Modernization Act H.R. 6074, Coronavirus Preparedness and Response Supplemental Appropriations Act H.R. 6116, the Consumer Financial Protection Commission Act of 2020 H.R. 6201, the Families First Coronavirus Response Act, paid and sick leave provisions H.R. 6321, the Financial Protections and Assistance for America's Consumers, States, Businesses, and Vulnerable Populations Act H.R. 6395, National Defense Authorization Act for Fiscal Year 2021 H.R. 6423, to provide a temporary debt collection moratorium during the COVID-19 emergency period, and for other purposes H.R. 6550, Access to Credit for Small Businesses Impacted by the COVID-19 Crisis Act of 2020 H.R. 6551, the CARES Act Section 4014, Technical Corrections Act H.R. 6736, the Protect Rural Renters Act of 2020 H.R. 6741, the COVID-19 Mortgage Relief Act H.R. 6789, Access to Credit for Small Businesses Impacted by the COVID-19 Crisis Act of 2020 H.R. 6790, the Business Borrowers Protection Act H.R. 6800, Health and Economic Recovery Omnibus Emergency Solutions (HEROES) Act of 2020 H.R. 6820, the Emergency Rental Assistance and Rental Market Stabilization Act of 2020 H.R. 6873, the Emergency Housing Assistance for Older Adults Act of 2020 H.R. 7084, the Emergency Housing Voucher Act of 2020 H.Res 275, Supporting the goals and ideals of "Financial Literacy Month" H.Res 327, Encouraging greater public-private sector collaboration to promote financial literacy for students and young adults H.Res 328, Supporting the protection of elders through financial literacy H. Res 602, Support of resolution in support of cooperatives S. 151, Telephone Robocall Abuse Criminal Enforcement and Deterrence Act S. 787, the American Housing and Economic Mobility Act of 2019 S. 1028, Strengthening the Tenth Amendment through Entrusting States (STATES Act) S. 1200, Secure and Fair Enforcement Banking Act of 2019 (SAFE Act) S. 1564, Continued Encouragement for Consumer Lending Act S. 2524, the Financial Services and General Government Appropriations Act of Fiscal Year 2020 S. 2563, The Improving Laundering Laws and Increasing Comprehensive Information S. 2583, the State-Foreign Operations and Related Programs Appropriations Act for FY2020 S. 2833, Veterans and Consumers Fair Credit Act of 2019 S. 2834, Veterans member Business Loan Act S. 3003, the Financial Institution Customer Protection Act S. 3032, Strengthening the Tenth Amendment Through Entrusting States S. 3323, Credit Union Governance Modernization Act of 2020 S. 3326, Credit Union Modernization Act of 2019 S. 3389, Expanding Access to Lending Options Act S. 3533, the Securing and Enabling Commerce Using Remote and Electronic (SECURE) S. 3548, Coronavirus Aid, Relief, and Economic Security act, payroll tax provisions S. 3571, the Financial Protections and Assistance for America's Consumers, States, Businesses, and Vulnerable Populations Act S. 3620, A Bill to establish a Housing Assistance Fund at the Department of Treasury S. 3676, Access to Credit for Small Businesses Impacted by the COVID-19 Crisis Act of 2020 S. 4049, National Defense Authorization Act for Fiscal Year 2021 Sec. 2821 of S. 1790, the National Defense Authorization Act of FY 2020

FDCPA Legislation * monitor H.R. 3948, H.R. 4403, H.R. 5021, H.R. 5003, H.R. 5001, H.R. 5013 COVID-19 Consumer Debt Collection Moratoria Legislation (H.R. 6800, H.R. 6423, H.R. 6379, S. 3565) * lobbying in opposition to consumer debt moratoria proposals that prevent collection of community association assessments that fund essential services * exempting community associations from the definition of creditor in above referenced legislation

Client expense: $36,150 · Firm income: Not reported

Government targets: Federal Communications Commission (FCC), HOUSE OF REPRESENTATIVES, SENATE, Small Business Administration (SBA)

FDCPA Legislation * monitor H.R. 3948, H.R. 4403, H.R. 5021, H.R. 5003, H.R. 5001, H.R. 5013 COVID-19 Consumer Debt Collection Moratoria Legislation (H.R. 6800, H.R. 6423, H.R. 6379, S. 3565) * lobbying in opposition to consumer debt moratoria proposals that prevent collection of community association assessments that fund essential services * exempting community associations from the definition of creditor in above referenced legislation

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

Government targets: Federal Communications Commission (FCC), HOUSE OF REPRESENTATIVES, SENATE, Small Business Administration (SBA)

HR 149, The Housing Fairness Act of 2019, To authorize funds to prevent housing discrimination through the use of nationwide testing, to increase funds for the Fair Housing Initiatives Program, and for other purposes H. R. 5934 - To amend the Fair Debt Collection Practices Act to safeguard access to information for consumers and to stop abusive debt litigation, and for other purposes. HR 5931 - Improving FHA Support for Small Dollar Mortgages Act of 2020 - This bill directs the Department of Housing and Urban Development (HUD) to report on barriers to making Federal Housing Administration (FHA) single-family mortgage insurance available for mortgages under $70,000. Specifically, HUD must report H.R.6379 - Take Responsibility for Workers and Families Act S.3566 - Stop Overdraft Profiteering during COVID-19 Emergency Act of 2020 - to prohibit depository institutions from assessing overdraft and non-sufficient fund fees during the novel coronavirus crisis and other disasters, and for other purposes. S.3565 - Small Business and Consumer Debt Collection Emergency Relief Act of 2020 - To amend the Fair Debt Collection Practices Act to provide additional protections for consumers and small business owners from debt collection during a major disaster or emergency. S.3560 - Small Business and Consumer Emergency Credit Act - To amend the Truth in Lending Act to extend the consumer credit protections provided to members of the Armed Forces and their dependents under title 10, United States Code, to all consumers. S 3548 - To provide emergency assistance and health care response for individuals, families, and businesses affected by the 2020 coronavirus pandemic. S.3509 - A bill to provide borrowers the right to request forbearance on mortgage loan payments due to a declared disaster, and for other purposes. H.R.6321 - To provide financial protections and assistance for America's consumers, States, businesses, and vulnerable populations during the COVID-19 emergency and to recover from the emergency. H.R.6363 - Student Debt Emergency Relief Act HR 3182 - To require the Securities and Exchange Commission and certain Federal agencies to carry out a study relating to accounting standards, and for other purposes. HR 748/Public Law No: 116-136 (03/27/2020) Coronavirus Aid, Relief, and Economic Security Act or the CARES Act - This bill responds to the COVID-19 (i.e., coronavirus disease 2019) outbreak and its impact on the economy, public health, state and local governments, individuals, and businesses Transportation, Housing and Urban Development, and Related Agencies Appropriations Act for FY2021 H.R. 3674 the College Affordability Act, a bill to lower the costs of college for students and improve the quality of education H.J.Res.76, Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Department of Education relating to "Borrower Defense Institutional Accountability" HR 5050 / s 2833, To amend the Truth in Lending Act to extend the consumer credit protections provided to members of the Armed Forces and their dependents under title 10, United States Code, to all consumers H.R. XXX, amends the Fair Credit Reporting Act to delay the inclusion in consumer credit reports and to establish requirements for debt collectors with respect to medical debt information of veterans due to inappropriate or delayed billing payments or reimbursements from the Department of Veterans Affairs, and for other purposes. H.R. 2750, Justice for Servicemembers Act, To amend title 9 of the United States Code to prohibit predispute arbitration agreements that force arbitration of certain disputes arising from claims of service members and veterans. H.R. XXXX, Protecting Consumers Access to Credit Act (This bill amends the Revised Statutes, the Home Owners' Loan Act, the Federal Credit Union Act, and the Federal Deposit Insurance Act to state that bank loans that are valid when made as to their maximum rate of interest in accordance with federal law shall remain valid with respect to that rate regardless of whether a bank has subsequently sold or assigned the loan to a third party.) H.R. XXXX, the Protecting Consumers from Unreasonable Credit Rates Act (This bill amends the Truth in Lending Act to prohibit a creditor from extending credit to a consumer under an open end consumer credit plan (credit card) for which the fee and interest rate exceeds 36%.) HR 5050 / s 2833, To amend the Truth in Lending Act to extend the consumer credit protections provided to members of the Armed Forces and their dependents under title 10, United States Code, to all consumers H. R. 166, To establish an Office of Fair Lending Testing to test for compliance with the Equal Credit Opportunity Act, to strengthen the Equal Credit Opportunity Act and to provide for criminal penalties for violating such Act, and for other purposes H.R. 5330, Consumer Protections for Medical Debt Collections Act, a bill which would provide relief to those struggling with health problems and medical debt by preventing collection of medical debt for two years from the date of the medical billing. H.R. 5021, The Ending Debt Collection Harassment Act of 2019, a bill to amend the Fair Debt Collection Practices Act (FDCPA) to prohibit a debt collector from contacting a consumer by email or text message without a consumers consent to be contacted electronically, and prohibits the Consumer Financial Protection Bureau (CFPB) from issuing any rules implementing the FDCPA that allow a debt collector to send unlimited email and text messages to a consumer. H.R. 5013, The Small Business Fair Debt Collection Protection Act, a bill that expands the FDCPAs protections to cover small business loans H.R. 5003, The Fair Debt Collection Practices for Servicemembers Act, a bill by that amends the FDCPA to prohibit debt collectors from threatening servicemembers or their families to have a servicemembers rank reduced, have their security clearance revoked, have them prosecuted under the Uniform Code of Military Justice, or communicating with a servicemembers chain of command to locate a servicemember. H.R. 5001, The Non-Judicial Foreclosure Debt Collection Clarification Act, a bill that reverses the recent Supreme Court decision in Obduskey versus McCarthy and Holthus LLP by amending the FDCPA to clarify that entities in non-judicial foreclosure proceedings are covered by the law H.R. 4403, The Stop Debt Collection Abuse Act, a bill that extends the FDCPAs protections as it relates to debt owed to a federal agency, limits the fees debt collectors can charge, and clarifies that debt buyers are subject to FDCPA H.R. 3948, The Debt Collection Practices Harmonization Act, a bill that clarifies that private debt collectors who pursue debts such as municipal utility bills, tolls, traffic tickets, and court debts are subject to the FDCPA H.R. 3490,The Small Business Lending Fairness Act, a bill that would amend the Truth in Lending Act (TILA) to restrict the use of predatory small business loan contract clauses called confessions of judgment.

Issues related the Consumer Financial Protection Bureau Fair Debt Collection Practices Act rulemaking Issues related to the Consumer Financial Protection Bureau complaint database Issues related to the Consumer Financial Protection Bureau Request for Information process Issues related to medical debt S.187 CFPB-IG Act - To require Senate confirmation of the Inspector General of the Bureau of Consumer Financial Protection, and for other purposes. H.R.969 - Bring the Bureau of Consumer Financial Protection into the regular appropriation process, and for other purposes H.R.969 - TABS Act of 2019 - To amend the Consumer Financial Protection Act of 2010 to bring the Bureau of Consumer Financial Protection into the regular appropriations process, and for other purposes. S.453 - Consumer Financial Protection Bureau Accountability Act of 2019 - To amend the Consumer Financial Protection Act of 2010 to subject the Bureau of Consumer Financial Protection to the regular appropriations process, and for other purposes. H.R. 3198 - Comprehensive Regulatory Review Act - To amend the Economic Growth and Regulatory Paperwork Reduction Act of 1996 to ensure that Federal financial regulators perform a comprehensive review of regulations to identify outdated or otherwise unnecessary regulatory requirements imposed on covered persons, and for other purposes. H.R. 3490 - the Small Business Lending Fairness Act - To amend TILA to prohibit anyone from extending credit pursuant to a confession of judgement provision, warrant of attorney, or any other waiver of right to be heard in a lawsuit to collect the debt. H.R. 3948 - the Debt Collection Practices Harmonization Act - To amend the FDCPA to extend the provisions of that Act to cover a debt collector who is collecting debt owed to a State or local government, to index award amounts under such Act for inflation, to provide for civil injunctive relief for violations of such Act, and for other purposes. H.R. 4403 - the Stop Debt Collection Abuse Act - To amend the FDCPA to apply to debt buyers and to collectors of debt owed by a consumer to a federal agency that is 180 days or more past due; to limit fees a collector can collect for such debt to fees that are "reasonable in relation to the actual cost of collection;" that are authorized by the collector's contract wit the federal agency to collect that debt; and are not greater than 10% of the debt to be collected. H.R. 4664 - Monitoring and Curbing Abusive Debt Collection Practices Act - To amend the Consumer Financial Protection Act to prohibit the CFPB from issuing rules pursuant to the FDCPA that would allow a debt collector to send unlimited email and text messages to a consumer. H.R. 5001 - Non-Judicial Foreclosure Debt Collection Clarification Act - To amend the definition of debt collector under the FDCPA to include any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests. H.R. 5003 - Fair Debt Collection Practices for Servicemembers Act - To amend the FDCPA to prohibit debt collectors from communicating with the commanding officer or officer in charge of any servicemember regarding an outstanding debt or the location of the servicemember; and to prohibit debt collectors from stating to a servicemember that failure to cooperate will result in prosecution on the Uniform Code of Military Justice. H.R. 5013 - Small Business Fair Debt Collection Protection Act - To amend the FDCPA to apply to the collection of "small business debts" meaning non-equity obligations less than $5 million. H.R. 5021 - Ending Debt Collection Harassment Act of 2019 - To amend the FDCPA to prohibit the CFPB from issuing a final rule on debt collection that allows unlimited electronic communications, including email or texts, from debt collectors to consumers; to prohibit collectors from contacting consumers via email or text message after a consumer has withdrawn their consent from receiving communications through these mediums or contacting them via email or text more frequently than as agreed to by the consumer; and to require collectors to send a consumer a notice of debt within five days after the initial communication with the consumer in connection with collecting a debt, even if the statutorily-required information was included in the initial communication. To amend the Consumer Financial Protection Act to require rules issued by the CFPB pursuant to the FDCPA must require collectors to obtain a consumers prior consent to contact them in any method other than via postal mail or telephone; to prohibits rules issued by the CFPB pursuant to the FDCPA from waiving compliance with the ESIGN Act; and to require rules issued by the CFPB pursuant to the FDCPA must allow consumers to opt-out of any method of communication and to withdraw prior consent to modes of communication. H.R. 5034 - Fair Debt Collection Improvement Act - To amend the FDCPA to prohibit debt collectors from collecting, or attempting to collect, on a debt of a consumer with respect to which the statute of limitations has expired, and for other purposes. H.R. 5287 - Fair Student Loan Debt Collection Practice Act - To amend the FDCPA to prohibit debt collectors from attempt to collect a federal student loan debt (meaning a loan made, insured or guaranteed under Title IV) during the period when the borrower would not be required to make a payment under an income-drive repayment plan. H.R. 5330 - Consumer Protections for Medical Debt Collections Act - To amend the FDCPA and FCRA to require a debt collector and furnishers to CRAs to provide written notices to consumers about restrictions on reporting medical debt, to refrain from reporting medical debt for over 1 year and to never report certain medical debt, and imposing a 2-year waiting period to colloect certain medical debt. S.3508 - A bill to amend the Fair Credit Reporting Act - to provide for disaster protection for workers' credit. H.R. 6321- Financial Protections and Assistance for Americas Consumers, States, Businesses, and Vulnerable Populations Act during the COVID-19 emergency and to recover from the emergency S. 3565 - A bill to amend the Fair Debt Collection Practices Act (FDCPA) during a major disaster or emergency-such as the current COVID-19 pandemic HR 748 - CARES Act - To provide emergency assistance and health care response for individuals, families, and businesses affected by the 2020 coronavirus pandemic. S.3548 - CARES Act - To provide emergency assistance and health care response for individuals, families, and businesses affected by the 2020 coronavirus pandemic.

FDCPA Legislation * monitor H.R. 3948, H.R. 4403, H.R. 5021, H.R. 5003, H.R. 5001, H.R. 5013 COVID-19 Consumer Debt Collection Moratoria Legislation (H.R. 6423, H.R. 6379, S. 3565) * lobbying in opposition to consumer debt moratoria proposals that prevent collection of community association assessments that fund essential services

Client expense: $36,150 · Firm income: Not reported

Government targets: Federal Communications Commission (FCC), Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE, Small Business Administration (SBA)

FDCPA Legislation * monitor H.R. 3948, H.R. 4403, H.R. 5021, H.R. 5003, H.R. 5001, H.R. 5013 COVID-19 Consumer Debt Collection Moratoria Legislation (H.R. 6423, H.R. 6379, S. 3565) * lobbying in opposition to consumer debt moratoria proposals that prevent collection of community association assessments that fund essential services

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

Government targets: Federal Communications Commission (FCC), Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE, Small Business Administration (SBA)

Issues related to credit union operations Issues related to credit union field of membership Issues related to credit union service organization Issues related to vacancies on the National Credit Union Administration (NCUA) Board Issues related to NCUA's low income designation regulations Issues related to NCUA examination procedures Issues related to NCUA's regulation regarding its regulatory emergency liquidity Issues related to NCUA's rulemaking process Issues related to NCUA's Advanced Notice of Proposed Rulemaking on Alternative Capital Issues related to NCUA's regulatory review process Issues related to Federal Credit Union Bylaws Issues related to credit union loan maturity restrictions Issues related to credit union investment authority Issues related to Regulation of Federal Credit Union By-laws Issues related to credit unions' incidental powers Issues related to credit unions ability to offer prepaid cards Issues related to credit union service to marijuana businesses Issues related to material loss reports of the NCUA Office of Inspector General Issues related to the regulation of corporate credit unions Issues related to the use of Eminent Domain to Seize Performing Mortgage Loans Issues related to fixed assets Issues related to credit union conversions Issues related to credit union call report modernization Issues related to NCUA's Corporate Credit Union Stabilization Plan Issues related to NCUA's budget and the overhead transfer rate Issues related to Credit Union Service Organizations (CUSO) Issues related to the authority of the CFPB to exempt credit unions from its rulemaking Issues related to the CFPB rule to remittances and international wire transfers Issues related to CFPB's Leadership Structure and Installing a Board rather than a Director Issues related to codifying the CFPB's Credit Union Advisory Council Issues related to requiring SBREFA Panels for CFPB Rulemakings Issues related to overdraft protection and check ordering practices Issues related to mortgage servicing Issues related to mortgage loan originator compensation and qualifications Issues related to the CFPB's rule regarding qualified mortgage / ability to repay Issues related to the CFPB's regulation on Home Mortgage Disclosure Act (Regulation C) Issues related to the CFPB's regulation on Truth-In-Lending Act / Real Estate Settlement Procedures Act Integrated Disclosures Issues related to the payday, vehicle title, and similar lending Issues related to short term lending products and advance deposit products Issues related to the CFPB's consumer complaint database Issues related to the Department of Justice's investigation entitled, "Operation Choke Point" Issues related to the Department of Defenese Poposal regarding Credit Extending to Service Members under MLA Issues related to indirect auto lending Issues related to credit union service to unbanked and underbanked consumers Issues related to the Financial Accounting Standards Board (FASB) Issues related to data and cyber security Issues related to mobile banking and mobile payments Issues related to identity theft and fraud reduction Issues related to secure payments Issues related to merchant data breaches Issues related to the payments system Issues related to Federal Reserve Regulation D Issues related to the Fed's implementation of same-day ACH Issues related to the Bank Secrecy Act and Currency Transaction Reporting Requirements Issues related to the oversight of the Federal Housing Administration Issues related to the USDA Rural Development Loan Program Issues related to the Federal Home Loan Bank System Issues related to Fannie Mae Capital Issues related to membership eligibility in the Federal Home Loan Bank System Issues related to financial literacy Issues related to Housing Finance Reform Issues related to student lending Issues related to the Economic Growth and Regulatory Paperwork Reduction Act process Issues related to retirement security Issues related to flood insurance Issues related to consumer's access to records Issues related to economic growth Issues related to Interchange Fees Issues related to the Equal Credit Opportunity Act Issues related to the Fair Housing act Issues related to the merger of credit unions Issues related to the Real Estate Settlement Procedures Act Issues related to Community Reinvestment Act Issues related to Regulation Z Issues related to Military Lending Act Issues related to Financial Technology Issues related to Small Business Lending Data Collection requirements Issues related to Involuntary liquidation of Federal Credit Unions and Claims procedures Issues related to Web-Based Quantitative Testing of Point of Sale / ATM Overdraft Disclosure Forms Issues related to residential appraisals Issues related to FHA appraisal certification Issues related to FHA and USDA Loan Modifications Issues related to payments innovation Issues related to Faster Payments Issues related to the Fair Credit Reporting Act Issues related to cooperative funding sources in federal appropriations legislation Issues related to debt collection requirements Issues related to capital reform for credit unions Issues related to procurement reform for private voluntary organizations Issues related to Federal Credit Union Charter Modernization Issues related to diversity and inclusion in Financial Services Issues related to Section 124 of the Federal Credit Union Act Issues related to NCUA's Fidelity Bonds Proposed Rule Issues related to the Consumer Financial Protection Bureau's No-Acton Letters and the BCFP Product Sandbox Issues related to the Consumer Financial Protection Bureau's proposal to extend the Payday Rule's compliance daedline Issues related to enterprise validation and approval of credit score models Issues related to the availability of Funds and Collection of Checks (Regulation CC) Issues related to arbitration clauses Issues related to SBA 79(a) loan program Issues related to financial institutions operating on military installations Issues related to postal banking Issues related to robocalls and the Stopping Bad Robocalls Act Issues related to financial technology (FINTECH) Issues related to the Consumer Financial Protection Bureau Payday Rule Issues related to appraisals Issues related to student lending Issues related to robocalls and the draft Declaratory Ruling (the ruling) and Third Further Notice of Proposed Rulemaking (FNPRM) CG Docket No 17-59, WC Docket No. 17-97 Issues related to FY 2020 Foreign Assistance Budget and Policy Priorities Issues related to payday and small dollar lending Issues related to leases of non-excess property on military bases Issues related to Opportunity Zones Issues related to minority homeownership Issues related to permit Federal Credit Unions to establish their own fiscal year Issues related to striking a requirement that Federal credit unions file certain information regarding loan officers Issues related to enhance flexibility of Federal Credit Unions to schedule board meetings Issues related to remove certain outdated responsibilities of Federal credit union board of directors Issues related to permit Federal credit unions to expel disruptive members for just cause without a vote Issues related to permit balloting for conversions from state to federal charter and from federal to state charter to be conducted electronically Issues related to the draft bill improving Laundering Laws and Increasing Comprehensive Information Issues related to tracking of Criminal Activity in Shell Holding (ILLICIT CASH Act) Issues related to PACE loans Issues related to Consumer Financial Protection Bureau's HMDA reporting thresholds Issues on NCUA Executive compensation rules Issues related to business access to financial services Issues related to Strengthening Cybersecurity for the Financial Sector Act of 2019 Issues related to minority depository institutions Issues related to the Federal Reserve's Faster Payments Proposal Issues related to AI and cloud computing Issues related to the Consumer Online Privacy Rights Act Issues related to Credit Union Board Meeting Frequency Issues related to COVID-19 crisis response legislation Issues related to the regulation of overtime Issues related to the Paycheck Protection Program Issues related to Taxi Medallion loans Issues related to essential services designation for financial services during COVID-19 Issues related to QRM Risk Retention review Issues related to NCUA's proposed rule on Combination transactions Issues related to the Freezing Assets of Suspected Terrorist and Enemy Recruits Act of 2020 H.R. 388, the Financial Reporting Threshold Modernization Act H.R. 442, to amend the Consumer Financial Protection Act of 2010 to extend the supervisory authority of the Bureau of Consumer Financial Protection to include assessing compliance with the Military Lending Act H.R. 748, the Coronavirus Aid, Relief, and Economic Security Act, Title I and Secs. 4008, 4012, 4014 of Title IV H.R.1039, to streamline requirements for currency transaction reports and suspicious activity reports and for other purposes H.R. 1158, the FY2020 Consolidated Appropriations Act (funding for the CDFI Fund as well as the Community Development Revolving Loan Fund) H.R. 1500, the Consumers First Act H.R. 1595, the Secure and Fair Enforcement (SAFE) Banking act of 2019 H.R. 1661, to provide the National Credit Union Administration Board flexibility to increase Federal credit Union loan maturities, and for other purposes H.R. 1737, the American Housing and Economic Mobility Act of 2019 H.R. 1865, FY2020 Further Consolidated Appropriations Act (funding for the Cooperative Development Program, tax extenders, repeal of "parking tax") H.R. 1957, the Taxpayers First Act of 2019 H.R. 2093, to amend the Controlled Substances Act to provide for a new rule regarding the application of the Act of marijuana, and for other purposes H.R. 2157, Supplemental Appropriations Act of 2019 H.R. 2162, Housing Financial Literacy Act of 2019 H.R. 2290, Shutdown Guidance for Financial Institutions Act H.R. 2305, Veterans Members Business Loan Act H.R. 2445, Self-Employed Mortgage Access Act H.R. 2500, National Defense Authorization Act for Fiscal Year 2020 H.R. 2513, Corporate Transparency Act of 2019 H.R. 2514, Coordinating Oversight, Upgrading and Innovating Technology, and Examiner Reform Act of 2019 H.R. 2740, the State and Foreign Operations and Related Programs Appropriations Act H.R. 2852, Homebuyer Assistance Act of 2019 H.R. 3111, National Flood Insurance Program Administration Reform Act of 2019 H.R. 3167, National Flood Insurance Program Re-authorization Act of 2019 H.R. 3182, Current Expected Credit Loss Consumer Impact and Study Bill of 2019 H.R. 3198, the Comprehensive Regulatory Review Act H.R. 3300, the Economic Mobility Act of 2019 H.R. 3301, the Taxpayer Certainty and Disaster Tax Relief Act of 2019 H.R. 3351, Financial Services and General Government Appropriations Act of 2020 H.R. 3375, the Stopping Bad Robocalls Act H.R. 4458, Cybersecurity and Financial System Resilience Act H.R. 4464, Monitoring and Curbing Abusive Debt Collection Clarification Act H.R. 4565, the Responsible Accounting Standards Act of 2019 H.R. 5001, Non-Judicial Foreclosure Debt Collection Clarification Act H.R. 5013, Small Business Fair Debt Collection Protection Act H.R. 5050, Veterans and Consumers Fair Credit Act H.R. 5132, Gun Violence Prevention through Financial Intelligence Act H.R. 5315, Expanding Opportunities for Minority Depository Institutions Act H.R. 5322, Ensuring Diversity in Community Banking Act of 2019 H.R. 5332, Protecting your Credit Score Act of 2019 H.R. 5513, the Expanding Opportunities for Minority Depository Institutions Act H.R. 5981, Credit Union Board Modernization Act H.R. 6201, the Families First Coronavirus Response Act, paid and sick leave provisions H.R. 6116, the Consumer Financial Protection Commission Act of 2020 H.Res 275, Supporting the goals and ideals of "Financial Literacy Month" H.Res 327, Encouraging greater public-private sector collaboration to promote financial literacy for students and young adults H.Res 328, Supporting the protection of elders through financial literacy H. Res 602, Support of resolution in support of cooperatives S. 151, Telephone Robocall Abuse Criminal Enforcement and Deterrence Act S. 787, the American Housing and Economic Mobility Act of 2019 S. 1028, Strengthening the Tenth Amendment through Entrusting States (STATES Act) S. 1200, Secure and Fair Enforcement Banking Act of 2019 (SAFE Act) S. 1564, Continued Encouragement for Consumer Lending Act S. 2524, the Financial Services and General Government Appropriations Act of Fiscal Year 2020 S. 2563, The Improving Laundering Laws and Increasing Comprehensive Information S. 2583, the State-Foreign Operations and Related Programs Appropriations Act for FY2020 S. 2833, Veterans and Consumers Fair Credit Act of 2019 S. 2834, Veterans member Business Loan Act S. 3003, the Financial Institution Customer Protection Act S. 3032, Strengthening the Tenth Amendment Through Entrusting States S. 3323, Credit Union Governance Modernization Act of 2020 S. 3326, Credit Union Modernization Act of 2019 S. 3389, Expanding Access to Lending Options Act S. 3548, Coronavirus Aid, Relief, and Economic Security act, payroll tax provisions Sec. 2821 of S. 1790, the National Defense Authorization Act of FY 2020

Support a comment letter drafted by Senator Brown urging the Consumer Financial Protection Bureau (CFPB) to continue to collect all Home Mortgage Disclosure Act (HMDA) data points added in the CFPBs 2015 final rule, including the data points that are enumerated in the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank) and those added through the CFPBs discretionary authority. Also, urge the Consumer Financial Protection Bureau (CFPB) to maintain the Home Mortgage Disclosure Act data elements that the CFPB added and enhanced pursuant to statutory directives and discretionary authority under the Dodd-Frank Wall Street Reform and Consumer Protection Act Support HR 5050 / S 2833, the Veterans and Consumers Fair Credit Act which would put a 36% interest rate cap on all small dollar loans. Support the following principles be included in any GSE reform: Establish capital levels consistent with what the GSEs are charging the market currently, consistent with statute and the unique risk characteristics of the GSEs. Maintain lines of business that enable the cross-subsidization of lending within all markets and communities, benefiting all borrowers. Retain FHFAs role as a strong independent regulator, with full oversight and approval of operations, capital requirements, fees, charges, and prudential standards. Ensure full and equal access for all lenders, regardless of size, including a prohibition on volume discounts with respect to guarantee fees, buy up and buy down fees, cash pricing, loan level price adjustments, and risk-sharing pricing. Serve all markets, including underserved, rural, and urban areas, equally. Expand access to all creditworthy borrowers and affordable housing through pooling of risk, more level pricing, and equitable distribution of the cost of catastrophic capital to protect against another market failure like the Great Recession; strengthening and ensuring compliance with affordable housing goals; enforcement of duty to serve obligations; compliance with fair housing and lending laws; and full funding of the Housing Trust Fund and Capital Magnet Fund. We believe that chartering additional guarantors would be overly disruptive and would not foster competition in the secondary market, instead creating a race-to-the-bottom environment for loan purchases and a potential competitive advantage that comes from vertical integration. Continue the credit risk transfer program by the GSEs to reduce their overall risk consistent with an economic benefit, with prohibitions on market structures/actions that create an unlevel playing field for loan origination. Charge a fair ongoing fee for maintenance of the existing Treasury line of credit or any explicit federal guarantee. Continue moving forward with administrative recapitalization plans to permit the GSEs to exit conservatorship into a utility-type system, including regulation of pricing and rates of return, to provide investors a fair return and to further the GSEs public mission. While we believe critical GSE reforms have already been accomplished through HERA and FHFA administrative actions, any additional reforms should achieve and conform to the above principles. HMDA data should still be disaggregated by race, gender, income and census tract category Support strong consumer protections (including no overdraft fees, the creation of a user lability, and equality directory, fraud prevention, and accessibility, availability and equality as the federal reserve builds out its FedNow real time payment system Support HR 3948, the Debt Collection Practices Harmonization Act; HR 4403, the Stop Debt Collection Abuse Act; HR 5021, the Ending Debt Collection Harassment Act; HR 5003, The Fair Debt Collection Protection for Servicemembers Act; and HR 5001, the Non-Judicial Foreclosure Debt Collection Clarification Act. Together, these bills extend debt collection protections to government debts, prohibit threatening servicemembers, clarify that non-judicial foreclosures are covered by FDCPA to fix Obduskey, adjust fees for inflation, require consent before text and email communications from debt collectors, and much more Support H.R. 5322 , the Ensuring Diversity in Community Banking Act of 2019 Oppose the FDIC proposed rulemaking which makes changes to, and weakens, the Community Reinvestment Act Support providing greater clarity to lenders on how FHA will address potential loan defects Support H.R. 1500, the Consumers First Act, which would restore the power to the Consumer Financial Protection Bureau (CFPB). The CFPB was first created in 2008 to protect all Americans from schemes designed to strip wealth from unsuspecting consumers and to protect people who may be targeted because of their race, ethnicity, gender, age, station in life, or other distinguishing characteristic. Many of the initiatives undertaken by the CFPB were good starts towards protecting our people as they worked to build wealth, or in too many cases, just make ends meet. H.R. 1500, the Consumer First Act, would restore crucial economic protections to help protect American consumers from predatory lenders.

Support a comment letter drafted by Senator Brown urging the Consumer Financial Protection Bureau (CFPB) to continue to collect all Home Mortgage Disclosure Act (HMDA) data points added in the CFPBs 2015 final rule, including the data points that are enumerated in the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank) and those added through the CFPBs discretionary authority. Also, urge the Consumer Financial Protection Bureau (CFPB) to maintain the Home Mortgage Disclosure Act data elements that the CFPB added and enhanced pursuant to statutory directives and discretionary authority under the Dodd-Frank Wall Street Reform and Consumer Protection Act Oppose FDIC and OCC filing an amicus brief supporting a predatory small business lender that used a rent-a-bank scheme to charge 120% on a $550,000 loan to a Colorado business. Colorado only permits 45% for these business loans. Support HR 5050 / S 2833, the Veterans and Consumers Fair Credit Act which would put a 36% interest rate cap on all small dollar loans. Support the following principles be included in any GSE reform: Establish capital levels consistent with what the GSEs are charging the market currently, consistent with statute and the unique risk characteristics of the GSEs. Maintain lines of business that enable the cross-subsidization of lending within all markets and communities, benefiting all borrowers. Retain FHFAs role as a strong independent regulator, with full oversight and approval of operations, capital requirements, fees, charges, and prudential standards. Ensure full and equal access for all lenders, regardless of size, including a prohibition on volume discounts with respect to guarantee fees, buy up and buy down fees, cash pricing, loan level price adjustments, and risk-sharing pricing. Serve all markets, including underserved, rural, and urban areas, equally. Expand access to all creditworthy borrowers and affordable housing through pooling of risk, more level pricing, and equitable distribution of the cost of catastrophic capital to protect against another market failure like the Great Recession; strengthening and ensuring compliance with affordable housing goals; enforcement of duty to serve obligations; compliance with fair housing and lending laws; and full funding of the Housing Trust Fund and Capital Magnet Fund. We believe that chartering additional guarantors would be overly disruptive and would not foster competition in the secondary market, instead creating a race-to-the-bottom environment for loan purchases and a potential competitive advantage that comes from vertical integration. Continue the credit risk transfer program by the GSEs to reduce their overall risk consistent with an economic benefit, with prohibitions on market structures/actions that create an unlevel playing field for loan origination. Charge a fair ongoing fee for maintenance of the existing Treasury line of credit or any explicit federal guarantee. Continue moving forward with administrative recapitalization plans to permit the GSEs to exit conservatorship into a utility-type system, including regulation of pricing and rates of return, to provide investors a fair return and to further the GSEs public mission. While we believe critical GSE reforms have already been accomplished through HERA and FHFA administrative actions, any additional reforms should achieve and conform to the above principles Support strong consumer protections (including no overdraft fees, the creation of a user lability, and equality directory, fraud prevention, and accessibility, availability and equality as the federal reserve builds out its FedNow real time payment system. Support HR 3948, the Debt Collection Practices Harmonization Act; HR 4403, the Stop Debt Collection Abuse Act; HR 5021, the Ending Debt Collection Harassment Act; HR 5003, The Fair Debt Collection Protection for Servicemembers Act; and HR 5001, the Non-Judicial Foreclosure Debt Collection Clarification Act. Together, these bills extend debt collection protections to government debts, prohibit threatening servicemembers, clarify that non-judicial foreclosures are covered by FDCPA to fix Obduskey, adjust fees for inflation, require consent before text and email communications from debt collectors, and much more Support H.R. 5322 , the Ensuring Diversity in Community Banking Act of 2019 Oppose the FDIC proposed rulemaking which makes changes to, and weakens, the Community Reinvestment Act Support providing greater clarity to lenders on how FHA will address potential loan defects Support H.R. 1500, the Consumers First Act, which would restore the power to the Consumer Financial Protection Bureau (CFPB). The CFPB was first created in 2008 to protect all Americans from schemes designed to strip wealth from unsuspecting consumers and to protect people who may be targeted because of their race, ethnicity, gender, age, station in life, or other distinguishing characteristic. Many of the initiatives undertaken by the CFPB were good starts towards protecting our people as they worked to build wealth, or in too many cases, just make ends meet. H.R. 1500, the Consumer First Act, would restore crucial economic protections to help protect American consumers from predatory lenders.

Support a comment letter drafted by Senator Brown urging the Consumer Financial Protection Bureau (CFPB) to continue to collect all Home Mortgage Disclosure Act (HMDA) data points added in the CFPBs 2015 final rule, including the data points that are enumerated in the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank) and those added through the CFPBs discretionary authority. Also, urge the Consumer Financial Protection Bureau (CFPB) to maintain the Home Mortgage Disclosure Act data elements that the CFPB added and enhanced pursuant to statutory directives and discretionary authority under the Dodd-Frank Wall Street Reform and Consumer Protection Act Support S. 2685, the Consumer Credit Control Act, which would require that credit reports be frozen by default with respect to credit and insurance. The bill also requires that consumers give consent before being included on prescreening lists (i.e. lists of consumers that lenders use to make "firm offers of credit" which are usually little better than junk mail). Support strong consumer protections (including no overdraft fees, the creation of a user lability, and equality directory, fraud prevention, and accessibility, availability and equality as the federal reserve builds out its FedNow real time payment system. Support HR 3490, the Small Business Lending Fairness Act. This bill bans confessions of judgment for small businesses and consumers. Support HR 3948, the Debt Collection Practices Harmonization Act; HR 4403, the Stop Debt Collection Abuse Act; HR 5021, the Ending Debt Collection Harassment Act; HR 5003, The Fair Debt Collection Protection for Servicemembers Act; and HR 5001, the Non-Judicial Foreclosure Debt Collection Clarification Act. Together, these bills extend debt collection protections to government debts, prohibit threatening servicemembers, clarify that non-judicial foreclosures are covered by FDCPA to fix Obduskey, adjust fees for inflation, require consent before text and email communications from debt collectors, and much more Oppose forced arbitration rule proposed by Amtrak for all its passengers Support H.R. 1500, the Consumers First Act, which would restore the power to the Consumer Financial Protection Bureau (CFPB). The CFPB was first created in 2008 to protect all Americans from schemes designed to strip wealth from unsuspecting consumers and to protect people who may be targeted because of their race, ethnicity, gender, age, station in life, or other distinguishing characteristic. Many of the initiatives undertaken by the CFPB were good starts towards protecting our people as they worked to build wealth, or in too many cases, just make ends meet. H.R. 1500, the Consumer First Act, would restore crucial economic protections to help protect American consumers from predatory lenders Support HR 1423,the Forced Arbitration Injustice Repeal or FAIR Act which would protect the legal rights of all Americans to access the courts when they have been harmed. HR 1423 would prevent companies from forcing harmed consumers, workers, and other individuals into private, rigged arbitration systems to resolve disputes. The FAIR Act would also prohibit class action lawsuit waivers, sometimes known as collective action waivers, which are commonly included in most forced arbitration contracts

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)

Bills in the Senate: S. XXXX Jumpstart GSE Reform Act (provides reforms in the GSEs and also requires congressional approval before specified administrative changes to GSEs can be implemented.) S.331: Home Loan Quality Transparency Act of 2019 (This bill amends the Home Mortgage Disclosure Act of 1975 to modify the exemptions from certain disclosure requirements.) S. 630: Arbitration Fairness for Consumers Act (This bill prohibits a predispute arbitration agreement from being valid or enforceable if it requires arbitration of an employment, consumer, antitrust, or civil rights dispute.) S. 635: Restoring Statutory Rights and Interests of the States Act (This bill amends the Federal Arbitration Act to invalidate arbitration agreements between parties in certain commercial contracts or transactions if they require arbitration of a claim for damages or injunctive relief brought by an individual or small business arising from the alleged violation of a federal or state statute, the U.S. Constitution, or a state constitution, unless the written agreement to arbitrate is entered into by both parties after the claim has arisen and pertains solely to an existing claim.) S. 608: Court Legal Access and Student Support (CLASS) Act (This bill makes procedures for the enforcement of arbitration agreements inapplicable to an enrollment agreement between a student and an institution of higher education (IHE).) S. 672: Debt Free College Act, This bill establishes State-Federal partnerships to provide students the opportunity to attain higher education at in-State public institutions of higher education without debt, to provide Federal Pell Grant eligibility to DREAMer students, to repeal suspension of eligibility under the Higher Education Act of 1965 for drug-related offenses, and for other purposes. S. 720: the CFPB Student Loan Integrity Act, This bill requires the student loan ombudsman of the Department of Education to provide student loan data to the Bureau of Consumer Financial Protection, and for other purposes. S.867: PROTECT Students Act of 2019 ; To protect students of institutions of higher education and the taxpayer investment in institutions of higher education by improving oversight and accountability of institutions of higher education, particularly for-profit colleges, improving protections for students and borrowers, and ensuring the integrity of postsecondary education programs, and for other purposes S. 1074: the REAL Act, this bill reinstates Federal Pell Grant eligibility for individuals incarcerated in Federal and State penal institutions, and for other purposes. S. 1230, the Protecting Consumers from Unreasonable Credit Rates Act (This bill amends the Truth in Lending Act to prohibit a creditor from extending credit to a consumer under an open end consumer credit plan (credit card) for which the fee and interest rate exceeds 36%.) S. 1354: the Student Loan Borrower Bill of Rights, this bill requires certain protections for student loan borrowers, and for other purposes. S. 1414: the Student Borrower Bankruptcy Relief Act, To provide bankruptcy relief for student borrowers. S. XXXX: the Know Before You Owe Private Student Loan Act, to prevent unnecessary private student loan debt and improve transparency S XXXX: Higher Education Act Reauthorization, a bill to reauthorize the higher education act S. XXXX: Unnamed bill to limit interest on consumer loans to 36% Bills in the House: H.R. 6, American Dream and Promise Act, To authorize the cancellation of removal and adjustment of status of certain aliens, and for other purposes. H.R. 963, amends the Home Mortgage Disclosure Act of 1975 to modify the exemptions from certain disclosure requirements H.R. 1500, the Consumers First Act, This bill revises provisions related to the administration of the Consumer Financial Protection Bureau (CFPB), including establishing requirements for staffing levels, political appointees, and the publication of consumer complaints regarding consumer financial products or services. H.R. 1571, the Debt Free College Act, To establish State-Federal partnerships to provide students the opportunity to attain higher education at in-State public institutions of higher education without debt, to provide Federal Pell Grant eligibility to DREAMer students, to repeal suspension of eligibility under the Higher Education Act of 1965 for drug-related offenses, and for other purposes. H.R.2648 - Student Borrower Bankruptcy Relief Act of 2019, To provide bankruptcy relief for student borrowers. H.R. XXX, amends the Fair Credit Reporting Act to delay the inclusion in consumer credit reports and to establish requirements for debt collectors with respect to medical debt information of veterans due to inappropriate or delayed billing payments or reimbursements from the Department of Veterans Affairs, and for other purposes. H.R. 2750, Justice for Servicemembers Act, To amend title 9 of the United States Code to prohibit predispute arbitration agreements that force arbitration of certain disputes arising from claims of service members and veterans. H.R. 3027, Student Loan Borrower Bill or Rights, To require certain protections for student loan borrowers, and for other purposes. H.R. 3163, Transportation, Housing and Urban Development, and Related Agencies Appropriations Act, 2020 H.R. 3351 Financial Services and General Government Appropriations Act, 2020 H.R. 3375, Stop Bad Robocalls Act, To amend the Communications Act of 1934 to clarify the prohibitions on making robocalls, and for other purposes. H.R. 3512, PROTECT Students Act of 2019, To protect students of institutions of higher education and the taxpayer investment in institutions of higher education by improving oversight and accountability of institutions of higher education, particularly for-profit colleges, improving H.R. 6543, the Aim Higher Act, to amend and strengthen the Higher Education Act of 1965 so that every student has a path to a quality, debt-free degree or credential that leads to a rewarding career. H.R. XXXX, Protecting Consumers Access to Credit Act (This bill amends the Revised Statutes, the Home Owners' Loan Act, the Federal Credit Union Act, and the Federal Deposit Insurance Act to state that bank loans that are valid when made as to their maximum rate of interest in accordance with federal law shall remain valid with respect to that rate regardless of whether a bank has subsequently sold or assigned the loan to a third party.) H.R. XXXX, the Protecting Consumers from Unreasonable Credit Rates Act (This bill amends the Truth in Lending Act to prohibit a creditor from extending credit to a consumer under an open end consumer credit plan (credit card) for which the fee and interest rate exceeds 36%.) H.R. 3674 the College Affordability Act, a bill to lower the costs of college for students and improve the quality of education H. R. 4724, To amend the definition of institution of higher education under the Higher Education Act of 1965 to exclude proprietary institutions of higher education, and for other purposes. H. R. 5294, To amend the Truth in Lending Act to establish a postsecondary education loan borrower bill of rights and to require certain creditors to obtain private loan certifications from institutions of higher education, to amend the Fair Credit Reporting Act to require the Bureau of Consumer Financial Protection to issue rules to establish standards for reporting information related to student loans to consumer reporting agencies, and for other purposes. H. R. 4545, To provide for the discharge of a private education loan in the case of death or total and permanent disability of a student obligor, and for other purposes. H.J.Res.76, Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Department of Education relating to "Borrower Defense Institutional Accountability" H. R. 5287 , To amend the Fair Debt Collection Practices Act to prohibit debt collectors from collecting on certain Federal student loan debt when the borrower would not be required to make payments under an income-driven repayment plan, and for other purposes. HR 5050 / s 2833, To amend the Truth in Lending Act to extend the consumer credit protections provided to members of the Armed Forces and their dependents under title 10, United States Code, to all consumers HR 5363/HR 2486/ HR 5368/ Public law No. 116-91, This bill permanently authorizes funding for minority-serving institutions of higher education and increases the authorization of appropriations for Pell Grants. H. R. 166, To establish an Office of Fair Lending Testing to test for compliance with the Equal Credit Opportunity Act, to strengthen the Equal Credit Opportunity Act and to provide for criminal penalties for violating such Act, and for other purposes H.R. 4674, To amend and strengthen the Higher Education Act to help students H.R. 5330, Consumer Protections for Medical Debt Collections Act, a bill which would provide relief to those struggling with health problems and medical debt by preventing collection of medical debt for two years from the date of the medical billing. H.R. 5287, Fair Student Loan Debt Collection Practices Act, a bill that would amend the Fair Debt Collection Practices Act to prohibit debt collectors from collecting on certain Federal student loan debt when the borrower would not be required to make payments under an income-driven repayment plan. H.R. 5021, The Ending Debt Collection Harassment Act of 2019, a bill to amend the Fair Debt Collection Practices Act (FDCPA) to prohibit a debt collector from contacting a consumer by email or text message without a consumers consent to be contacted electronically, and prohibits the Consumer Financial Protection Bureau (CFPB) from issuing any rules implementing the FDCPA that allow a debt collector to send unlimited email and text messages to a consumer. H.R. 5013, The Small Business Fair Debt Collection Protection Act, a bill that expands the FDCPAs protections to cover small business loans H.R. 5003, The Fair Debt Collection Practices for Servicemembers Act, a bill by that amends the FDCPA to prohibit debt collectors from threatening servicemembers or their families to have a servicemembers rank reduced, have their security clearance revoked, have them prosecuted under the Uniform Code of Military Justice, or communicating with a servicemembers chain of command to locate a servicemember. H.R. 5001, The Non-Judicial Foreclosure Debt Collection Clarification Act, a bill that reverses the recent Supreme Court decision in Obduskey versus McCarthy and Holthus LLP by amending the FDCPA to clarify that entities in non-judicial foreclosure proceedings are covered by the law H.R. 4403, The Stop Debt Collection Abuse Act, a bill that extends the FDCPAs protections as it relates to debt owed to a federal agency, limits the fees debt collectors can charge, and clarifies that debt buyers are subject to FDCPA H.R. 3948, The Debt Collection Practices Harmonization Act, a bill that clarifies that private debt collectors who pursue debts such as municipal utility bills, tolls, traffic tickets, and court debts are subject to the FDCPA H.R. 3490,The Small Business Lending Fairness Act, a bill that would amend the Truth in Lending Act (TILA) to restrict the use of predatory small business loan contract clauses called confessions of judgment.

CFPB Fair Debt Collection Practices Act Regulatory Update * Developed and submitted comments on behalf of CAI in response to CFPB rulemaking FDCPA Legislation * monitor H.R. 3948, H.R. 4403, H.R. 5021, H.R. 5003, H.R. 5001, H.R. 5013

Client expense: $36,150 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), Federal Communications Commission (FCC), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE

Issues related to credit union operations Issues related to credit union field of membership Issues related to credit union service organization Issues related to vacancies on the National Credit Union Administration (NCUA) Board Issues related to NCUA's low income designation regulations Issues related to NCUA examination procedures Issues related to NCUA's regulation regarding its regulatory emergency liquidity Issues related to NCUA's rulemaking process Issues related to NCUA's Advanced Notice of Proposed Rulemaking on Alternative Capital Issues related to NCUA's regulatory review process Issues related to Federal Credit Union Bylaws Issues related to credit union loan maturity restrictions Issues related to credit union investment authority Issues related to Regulation of Federal Credit Union By-laws Issues related to credit unions' incidental powers Issues related to credit unions ability to offer prepaid cards Issues related to credit union service to marijuana businesses Issues related to material loss reports of the NCUA Office of Inspector General Issues related to the regulation of corporate credit unions Issues related to the use of Eminent Domain to Seize Performing Mortgage Loans Issues related to fixed assets Issues related to credit union conversions Issues related to credit union call report modernization Issues related to NCUA's Corporate Credit Union Stabilization Plan Issues related to NCUA's budget and the overhead transfer rate Issues related to Credit Union Service Organizations (CUSO) Issues related to the authority of the CFPB to exempt credit unions from its rulemaking Issues related to the CFPB rule to remittances and international wire transfers Issues related to CFPB's Leadership Structure and Installing a Board rather than a Director Issues related to codifying the CFPB's Credit Union Advisory Council Issues related to requiring SBREFA Panels for CFPB Rulemakings Issues related to overdraft protection and check ordering practices Issues related to mortgage servicing Issues related to mortgage loan originator compensation and qualifications Issues related to the CFPB's rule regarding qualified mortgage / ability to repay Issues related to the CFPB's regulation on Home Mortgage Disclosure Act (Regulation C) Issues related to the CFPB's regulation on Truth-In-Lending Act / Real Estate Settlement Procedures Act Integrated Disclosures Issues related to the payday, vehicle title, and similar lending Issues related to short term lending products and advance deposit products Issues related to the CFPB's consumer complaint database Issues related to the Department of Justice's investigation entitled, "Operation Choke Point" Issues related to the Department of Defenese Poposal regarding Credit Extending to Service Members under MLA Issues related to indirect auto lending Issues related to credit union service to unbanked and underbanked consumers Issues related to the Financial Accounting Standards Board (FASB) Issues related to data and cyber security Issues related to mobile banking and mobile payments Issues related to identity theft and fraud reduction Issues related to secure payments Issues related to merchant data breaches Issues related to the payments system Issues related to Federal Reserve Regulatory D Issues related to the Fed's implementation of same-day ACH Issues related to the Bank Secrecy Act and Currency Transaction Reporting Requirements Issues related to the oversight of the Federal Housing Administration Issues related to the USDA Rural Development Loan Program Issues related to the Federal Home Loan Bank System Issues related to Fannie Mae Capital Issues related to membership eligibility in the Federal Home Loan Bank System Issues related to financial literacy Issues related to Housing Finance Reform Issues related to student lending Issues related to the Economic Growth and Regulatory Paperwork Reduction Act process Issues related to retirement security Issues related to flood insurance Issues related to consumer's access to records Issues related to economic growth Issues related to Interchange Fees Issues related to the Equal Credit Opportunity Act Issues related to the Fair Housing act Issues related to the merger of credit unions Issues related to the Real Estate Settlement Procedures Act Issues related to Community Reinvestment Act Issues related to Regulation Z Issues related to Military Lending Act Issues related to Financial Technology Issues related to Small Business Lending Data Collection requirements Issues related to Involuntary liquidation of Federal Credit Unions and Claims procedures Issues related to Web-Based Quantitative Testing of Point of Sale / ATM Overdraft Disclosure Forms Issues related to residential appraisals Issues related to FHA appraisal certification Issues related to FHA and USDA Loan Modifications Issues related to payments innovation Issues related to Faster Payments Issues related to the Fair Credit Reporting Act Issues related to cooperative funding sources in federal appropriations legislation Issues related to debt collection requirements Issues related to capital reform for credit unions Issues related to procurement reform for private voluntary organizations Issues related to Federal Credit Union Charter Modernization Issues related to diversity and inclusion in Financial Services Issues related to Section 124 of the Federal Credit Union Act Issues related to NCUA's Fidelity Bonds Proposed Rule Issues related to the Consumer Financial Protection Bureau's No-Acton Letters and the BCFP Product Sandbox Issues related to the Consumer Financial Protection Bureau's proposal to extend the Payday Rule's compliance daedline Issues related to enterprise validation and approval of credit score models Issues related to the availability of Funds and Collection of Checks (Regulation CC) Issues related to arbitration clauses Issues related to SBA 79(a) loan program Issues related to financial institutions operating on military installations Issues related to postal banking Issues related to robocalls and the Stopping Bad Robocalls Act Issues related to financial technology (FINTECH) Issues related to the Consumer Financial Protection Bureau Payday Rule Issues related to appraisals Issues related to student lending Issues related to robocalls and the draft Declaratory Ruling (the ruling) and Third Further Notice of Proposed Rulemaking (FNPRM) CG Docket No 17-59, WC Docket No. 17-97 Issues related to FY 2020 Foreign Assistance Budget and Policy Priorities Issues related to payday and small dollar lending Issues related to leases of non-excess property on military bases Issues related to Opportunity Zones Issues related to minority homeownership Issues related to permit Federal Credit Unions to establish their own fiscal year Issues related to striking a requirement that Federal credit unions file certain information regarding loan officers Issues related to enhance flexibility of Federal Credit Unions to schedule board meetings Issues related to remove certain outdated responsibilities of Federal credit union board of directors Issues related to permit Federal credit unions to expel disruptive members for just cause without a vote Issues related to permit balloting for conversions from state to federal charter and from federal to state charter to be conducted electronically Issues related to the draft bill improving Laundering Laws and Increasing Comprehensive Information Issues related to tracking of Criminal Activity in Shell Holding (ILLICIT CASH Act) Issues related to PACE loans Issues related to Consumer Financial Protection Bureau's HMDA reporting thresholds Issues on NCUA Executive compensation rules Issues related to small business cannabis Issues related to Strengthening Cybersecurity for the Financial Sector Act of 2019 Issues related to minority depository institutions Issues related to the Federal Reserve's Faster Payments Proposal Issues related to Credit Union acquisitions of banks Issues related to AI and cloud computing Issues related to the Consumer Online Privacy Rights Act H.R. 388, the Financial Reporting Threshold Modernization Act H.R. 442, to amend the Consumer Financial Protection Act of 2010 to extend the supervisory authority of the Bureau of Consumer Financial Protection to include assessing compliance with the Military Lending Act H.R.1039, to streamline requirements for currency transaction reports and suspicious activity reports and for other purposes H.R. 1158, the FY2020 Consolidated Appropriations Act (funding for the CDFI Fund as well as the Community Development Revolving Loan Fund) H.R. 1500, the Consumers First Act H.R. 1595, the Secure and Fair Enforcement (SAFE) Banking act of 2019 H.R. 1661, to provide the National Credit Union Administration Board flexibility to increase Federal credit Union loan maturities, and for other purposes H.R. 1737, the American Housing and Economic Mobility Act of 2019 H.R. 1865, FY2020 Further Consolidated Appropriations Act (funding for the Cooperative Development Program, tax extenders, repeal of "parking tax") H.R. 1957, the Taxpayers First Act of 2019 H.R. 2093, to amend the Controlled Substances Act to provide for a new rule regarding the application of the Act of marijuana, and for other purposes H.R. 2157, Supplemental Appropriations Act of 2019 H.R. 2162, Housing Financial Literacy Act of 2019 H.R. 2290, Shutdown Guidance for Financial Institutions Act H.R. 2305, Veterans Members Business Loan Act H.R. 2445, Self-Employed Mortgage Access Act H.R. 2500, National Defense Authorization Act for Fiscal Year 2020 H.R. 2513, Corporate Transparency Act of 2019 H.R. 2514, Coordinating Oversight, Upgrading and Innovating Technology, and Examiner Reform Act of 2019 H.R. 2740, the State and Foreign Operations and Related Programs Appropriations Act H.R. 2852, Homebuyer Assistance Act of 2019 H.R. 3111, National Flood Insurance Program Administration Reform Act of 2019 H.R. 3167, National Flood Insurance Program Re-authorization Act of 2019 H.R. 3182, CECL Consumer Impact and Study Bill of 2019 H.R. 3198, the Comprehensive Regulatory Review Act H.R. 3300, the Economic Mobility Act of 2019 H.R. 3301, the Taxpayer Certainty and Disaster Tax Relief Act of 2019 H.R. 3351, Financial Services and General Government Appropriations Act of 2020 H.R. 3375, the Stopping Bad Robocalls Act H.R. 4458, Cybersecurity and Financial System Resilience Act H.R. 4464, Monitoring and Curbing Abusive Debt Collection Clarification Act H.R. 4565, the Responsible Accounting Standards Act of 2019 H.R. 5001, Non-Judicial Foreclosure Debt Collection Clarification Act H.R. 5013, Small Business Fair Debt Collection Protection Act H.R. 5050, Veterans and Consumers Fair Credit Act H.R. 5315, Expanding Opportunities for Minority Depository Institutions Act H.R. 5322, Ensuring Diversity in Community Banking Act of 2019 H.R. 5332, Protecting your Credit Score Act of 2019 H.Res 275, Supporting the goals and ideals of "Financial Literacy Month" H.Res 327, Encouraging greater public-private sector collaboration to promote financial literacy for students and young adults H.Res 328, Supporting the protection of elders through financial literacy H. Res 602, Support of resolution in support of cooperatives S. 151, TRACED Act S. 787, the American Housing and Economic Mobility Act of 2019 S. 1028, Strengthening the Tenth Amendment through Entrusting States (STATES Act) S. 1200, Secure and Fair Enforcement Banking Act of 2019 (SAFE Act) S. 1564, Continued Encouragement for Consumer Lending Act S. 2524, the Financial Services and General Government Appropriations Act of Fiscal Year 2020 S. 2563, The Improving Laundering Laws and Increasing Comprehensive Information S. 2583, the State-Foreign Operations and Related Programs Appropriations Act for FY2020 S. 2834, Veterans member Business Loan Act S. 3003, the Financial Institution Customer Protection Act S. 3032, Strengthening the Tenth Amendment Through Entrusting States Sec. 2821 of S. 1790, the National Defense Authorization Act of FY 2020

CFPB Fair Debt Collection Practices Act Regulatory Update * Developed and submitted comments on behalf of CAI in response to CFPB rulemaking FDCPA Legislation * monitor H.R. 3948, H.R. 4403, H.R. 5021, H.R. 5003, H.R. 5001, H.R. 5013

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

Government targets: Consumer Financial Protection Bureau (CFPB), Federal Communications Commission (FCC), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE

Issues related the Consumer Financial Protection Bureau Fair Debt Collection Practices Act rulemaking Issues related to the Consumer Financial Protection Bureau complaint database Issues related to the Consumer Financial Protection Bureau Request for Information process Issues related to medical debt S.187 CFPB-IG Act - To require Senate confirmation of the Inspector General of the Bureau of Consumer Financial Protection, and for other purposes. H.R.969 - Bring the Bureau of Consumer Financial Protection into the regular appropriation process, and for other purposes H.R.969 - TABS Act of 2019 - To amend the Consumer Financial Protection Act of 2010 to bring the Bureau of Consumer Financial Protection into the regular appropriations process, and for other purposes. S.453 - Consumer Financial Protection Bureau Accountability Act of 2019 - To amend the Consumer Financial Protection Act of 2010 to subject the Bureau of Consumer Financial Protection to the regular appropriations process, and for other purposes. H.R. 3198 - Comprehensive Regulatory Review Act - To amend the Economic Growth and Regulatory Paperwork Reduction Act of 1996 to ensure that Federal financial regulators perform a comprehensive review of regulations to identify outdated or otherwise unnecessary regulatory requirements imposed on covered persons, and for other purposes. H.R. 3490 - the Small Business Lending Fairness Act - To amend TILA to prohibit anyone from extending credit pursuant to a confession of judgement provision, warrant of attorney, or any other waiver of right to be heard in a lawsuit to collect the debt. H.R. 3948 - the Debt Collection Practices Harmonization Act - To amend the FDCPA to extend the provisions of that Act to cover a debt collector who is collecting debt owed to a State or local government, to index award amounts under such Act for inflation, to provide for civil injunctive relief for violations of such Act, and for other purposes. H.R. 4403 - the Stop Debt Collection Abuse Act - To amend the FDCPA to apply to debt buyers and to collectors of debt owed by a consumer to a federal agency that is 180 days or more past due; to limit fees a collector can collect for such debt to fees that are "reasonable in relation to the actual cost of collection;" that are authorized by the collector's contract wit the federal agency to collect that debt; and are not greater than 10% of the debt to be collected. H.R. 4664 - Monitoring and Curbing Abusive Debt Collection Practices Act - To amend the Consumer Financial Protection Act to prohibit the CFPB from issuing rules pursuant to the FDCPA that would allow a debt collector to send unlimited email and text messages to a consumer. H.R. 5001 - Non-Judicial Foreclosure Debt Collection Clarification Act - To amend the definition of debt collector under the FDCPA to include any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests. H.R. 5003 - Fair Debt Collection Practices for Servicemembers Act - To amend the FDCPA to prohibit debt collectors from communicating with the commanding officer or officer in charge of any servicemember regarding an outstanding debt or the location of the servicemember; and to prohibit debt collectors from stating to a servicemember that failure to cooperate will result in prosecution on the Uniform Code of Military Justice. H.R. 5013 - Small Business Fair Debt Collection Protection Act - To amend the FDCPA to apply to the collection of "small business debts" meaning non-equity obligations less than $5 million. H.R. 5021 - Ending Debt Collection Harassment Act of 2019 - To amend the FDCPA to prohibit the CFPB from issuing a final rule on debt collection that allows unlimited electronic communications, including email or texts, from debt collectors to consumers; to prohibit collectors from contacting consumers via email or text message after a consumer has withdrawn their consent from receiving communications through these mediums or contacting them via email or text more frequently than as agreed to by the consumer; and to require collectors to send a consumer a notice of debt within five days after the initial communication with the consumer in connection with collecting a debt, even if the statutorily-required information was included in the initial communication. To amend the Consumer Financial Protection Act to require rules issued by the CFPB pursuant to the FDCPA must require collectors to obtain a consumers prior consent to contact them in any method other than via postal mail or telephone; to prohibits rules issued by the CFPB pursuant to the FDCPA from waiving compliance with the ESIGN Act; and to require rules issued by the CFPB pursuant to the FDCPA must allow consumers to opt-out of any method of communication and to withdraw prior consent to modes of communication. H.R. 5034 - Fair Debt Collection Improvement Act - To amend the FDCPA to prohibit debt collectors from collecting, or attempting to collect, on a debt of a consumer with respect to which the statute of limitations has expired, and for other purposes. H.R. 5287 - Fair Student Loan Debt Collection Practice Act - To amend the FDCPA to prohibit debt collectors from attempt to collect a federal student loan debt (meaning a loan made, insured or guaranteed under Title IV) during the period when the borrower would not be required to make a payment under an income-drive repayment plan. H.R. 5330 - Consumer Protections for Medical Debt Collections Act - To amend the FDCPA and FCRA to require a debt collector and furnishers to CRAs to provide written notices to consumers about restrictions on reporting medical debt, to refrain from reporting medical debt for over 1 year and to never report certain medical debt, and imposing a 2-year waiting period to colloect certain medical debt.