Veterans and Consumers Fair Credit Act

Banking issues in the Appropriations Act Community Reinvestment Act Bank Secrecy Act Anti-Money Laundering Cannabis Banking SAFE Banking Act S.2833 Veterans and Consumers Fair Credit Act H.R.5050 - Veterans and Consumers Fair Credit Act S. 2808 - Emergency Assistance in Response to the Covid-19 Pandemic H.R. 6074: Coronavirus Preparedness and Response Supplemental Appropriations Act, 2020 H.R. 6201: Families First Coronavirus Response Act H.R. 748: Coronavirus Aid, Relief, and Economic Security Act H.R. 266: Paycheck Protection Program and Health Care Enhancement Act

Client expense: Not reported · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Closing the "rent-a-bank" loophole to bypass state regulations on usury caps, risk management of third-party relationships Increased supervision and enforcement of unregulated "fintech" products like BNPL and faux EWA providers Bureau examination of "fintech" products and fee models Restore the 2017 payday loan rule and supervise the larger installment, line of credit and vehicle title lenders, especially high-cost lenders. Overdraft fees, addressing the regressive impact of excessive OD fees Sect. 1033 of Dodd-Frank rules on consumer access to their data from financial institutions Data-driven technologies, including algorithmic decision making, artificial intelligence, and machine learning Proposed Interagency Guidance on Third-Party Relationships Equitable access to the CFPB's online complaint system for consumers with Limited English Proficiency Bank charters, particularly for stablecoin issuers Implementation of the new debt collection rules. H.R.___ - draft legislation on the treatment of Industrial Loan Corporation charters H.R.5050 (116th) / S.2508 - Veterans and Consumers Fair Credit Act, a bill 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. Nominations for CFPB, OCC

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

Government targets: Consumer Financial Protection Bureau (CFPB), Education, Dept of, Federal Deposit Insurance Corporation (FDIC), Federal Highway Administration (FHA), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Natl Credit Union Administration (NCUA), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of

CFPB Small Dollar Lending Rule Operation Chokepoint Fintech Charter True Lender Legislation Valid When Made Legislation HR 1509/S. 656 - Stopping Abuse & Fraud in Electronic Lending Act of 2019 (SAFE Lending Act of 2019) HR 56 - Financial Technology Protection Act HR 189 - Financial Institution Customer Protection Act of 2019 HR 741 - Taking Account of Institutions with Low Operation Risk Act of 2019 (TAILOR Act of 2019) HR 1282 - Data Accountability & Trust Act HR 1491 - Facilitating Innovation & New Technology so Entrepreneurs Create and Hire Act of 2019 (FINTECH Act of 2019) HR 5050 - Veterans and Consumers Fair Credit Act S. 142 - American Data Dissemination Act of 2019 S. 583 - Digital Accountability and Transparency to Advance Privacy Act S. 610/HR 1423 - Forced Arbitration Injustice Repeal Act S. 630 - Arbitration Fairness for Consumers Act S. 635 - Restoring Statutory Rights and Interests of the States Act of 2019 (arbitration) S. 2833 - Veterans and Consumers Fair Credit Act S. 2808 - Emergency Assistance in Response to the Covid-19 Pandemic H.R. 6074: Coronavirus Preparedness and Response Supplemental Appropriations Act, 2020 H.R. 6201: Families First Coronavirus Response Act H.R. 748: Coronavirus Aid, Relief, and Economic Security Act H.R. 266: Paycheck Protection Program and Health Care Enhancement Act SJ Res 15/HJ Res 35 Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Office of the Comptroller of the Currency relating to "National Banks and Federal Savings Associations as Lenders".

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Banking issues in the Appropriations Act Community Reinvestment Act Bank Secrecy Act Anti-Money Laundering Cannabis Banking SAFE Banking Act S.2833 Veterans and Consumers Fair Credit Act H.R.5050 - Veterans and Consumers Fair Credit Act S. 2808 - Emergency Assistance in Response to the Covid-19 Pandemic H.R. 6074: Coronavirus Preparedness and Response Supplemental Appropriations Act, 2020 H.R. 6201: Families First Coronavirus Response Act H.R. 748: Coronavirus Aid, Relief, and Economic Security Act H.R. 266: Paycheck Protection Program and Health Care Enhancement Act

Client expense: Not reported · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Restore the 2017 payday loan rule and supervise the larger installment, line of credit and vehicle title lenders, especially high-cost lenders. Credit Union Service Organizations (CUSOs), extending NCUA examination authority over CUSOs for consumer protection Overdraft fees, addressing the regressive impact of excessive OD fees OCC consideration of pending applications from companies under CFPB investigation Sect. 1033 of Dodd-Frank rules on consumer access to their data from financial institutions Community Reinvestment Act rulemaking, revision of the previous Administration's rule Fed accounts, across multiple proposals such as USPS, Federal Reserve, and S.3571 - the Banking for All Act. H.R.___ - draft legislation on the treatment of Industrial Loan Corporation charters H.R.5050 (116th) / S.2508 - Veterans and Consumers Fair Credit Act, a bill 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. Nominations for CFPB, OCC Closing the "rent-a-bank" loophole to bypass state regulations on usury caps.

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

Government targets: Consumer Financial Protection Bureau (CFPB), Education, Dept of, Federal Deposit Insurance Corporation (FDIC), Federal Highway Administration (FHA), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Natl Credit Union Administration (NCUA), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of

Veterans and Consumers Fair Credit Act- (H.R. 5050/S.2833) Financial Services and General Government Appropriations Bill (H.R.4345) End Double Taxation of Successful Consumer Claims Act (H.R. 4457/S. 766) CFPB Nomination- CFPB Director Rohit Chopra

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

CFPB Small Dollar Lending Rule Operation Chokepoint Fintech Charter True Lender Legislation Valid When Made Legislation HR 1509/S. 656 - Stopping Abuse & Fraud in Electronic Lending Act of 2019 (SAFE Lending Act of 2019) HR 56 - Financial Technology Protection Act HR 189 - Financial Institution Customer Protection Act of 2019 HR 741 - Taking Account of Institutions with Low Operation Risk Act of 2019 (TAILOR Act of 2019) HR 1282 - Data Accountability & Trust Act HR 1491 - Facilitating Innovation & New Technology so Entrepreneurs Create and Hire Act of 2019 (FINTECH Act of 2019) HR 5050 - Veterans and Consumers Fair Credit Act S. 142 - American Data Dissemination Act of 2019 S. 583 - Digital Accountability and Transparency to Advance Privacy Act S. 610/HR 1423 - Forced Arbitration Injustice Repeal Act S. 630 - Arbitration Fairness for Consumers Act S. 635 - Restoring Statutory Rights and Interests of the States Act of 2019 (arbitration) S. 2833 - Veterans and Consumers Fair Credit Act S. 2808 - Emergency Assistance in Response to the Covid-19 Pandemic H.R. 6074: Coronavirus Preparedness and Response Supplemental Appropriations Act, 2020 H.R. 6201: Families First Coronavirus Response Act H.R. 748: Coronavirus Aid, Relief, and Economic Security Act H.R. 266: Paycheck Protection Program and Health Care Enhancement Act SJ Res 15/HJ Res 35 Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Office of the Comptroller of the Currency relating to "National Banks and Federal Savings Associations as Lenders".

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Banking issues in the Appropriations Act Community Reinvestment Act Bank Secrecy Act Anti-Money Laundering Cannabis Banking SAFE Banking Act S.2833 Veterans and Consumers Fair Credit Act H.R.5050 - Veterans and Consumers Fair Credit Act S. 2808 - Emergency Assistance in Response to the Covid-19 Pandemic H.R. 6074: Coronavirus Preparedness and Response Supplemental Appropriations Act, 2020 H.R. 6201: Families First Coronavirus Response Act H.R. 748: Coronavirus Aid, Relief, and Economic Security Act H.R. 266: Paycheck Protection Program and Health Care Enhancement Act

Client expense: Not reported · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Veterans and Consumers Fair Credit Act- (H.R. 5050/S.2833) Financial Services and General Government Appropriations Bill (H.R.4345) FTC Enforcement (H.R.2668) CRA for OCC True Lender Rule (S.J. Res.15) Garnishment

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

CFPB Small Dollar Lending Rule Operation Chokepoint Fintech Charter True Lender Legislation Valid When Made Legislation HR 1509/S. 656 - Stopping Abuse & Fraud in Electronic Lending Act of 2019 (SAFE Lending Act of 2019) HR 56 - Financial Technology Protection Act HR 189 - Financial Institution Customer Protection Act of 2019 HR 741 - Taking Account of Institutions with Low Operation Risk Act of 2019 (TAILOR Act of 2019) HR 1282 - Data Accountability & Trust Act HR 1491 - Facilitating Innovation & New Technology so Entrepreneurs Create and Hire Act of 2019 (FINTECH Act of 2019) HR 5050 - Veterans and Consumers Fair Credit Act S. 142 - American Data Dissemination Act of 2019 S. 583 - Digital Accountability and Transparency to Advance Privacy Act S. 610/HR 1423 - Forced Arbitration Injustice Repeal Act S. 630 - Arbitration Fairness for Consumers Act S. 635 - Restoring Statutory Rights and Interests of the States Act of 2019 (arbitration) S. 2833 - Veterans and Consumers Fair Credit Act S. 2808 - Emergency Assistance in Response to the Covid-19 Pandemic H.R. 6074: Coronavirus Preparedness and Response Supplemental Appropriations Act, 2020 H.R. 6201: Families First Coronavirus Response Act H.R. 748: Coronavirus Aid, Relief, and Economic Security Act H.R. 266: Paycheck Protection Program and Health Care Enhancement Act SJ Res 15/HJ Res 35 Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Office of the Comptroller of the Currency relating to "National Banks and Federal Savings Associations as Lenders".

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Banking issues in the Appropriations Act Community Reinvestment Act Bank Secrecy Act Anti-Money Laundering Cannabis Banking SAFE Banking Act S.2833 Veterans and Consumers Fair Credit Act H.R.5050 - Veterans and Consumers Fair Credit Act S. 2808 - Emergency Assistance in Response to the Covid-19 Pandemic H.R. 6074: Coronavirus Preparedness and Response Supplemental Appropriations Act, 2020 H.R. 6201: Families First Coronavirus Response Act H.R. 748: Coronavirus Aid, Relief, and Economic Security Act H.R. 266: Paycheck Protection Program and Health Care Enhancement Act

Client expense: Not reported · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Veterans and Consumers Fair Credit Act- (H.R. 5050/S.2833) American Rescue Plan Act of 2021- Consumer Product Safety Commission Appropriations H.R.1319 Nomination of Rohit Chopra

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

CFPB Small Dollar Lending Rule Operation Chokepoint Fintech Charter True Lender Legislation Valid When Made Legislation HR 1509/S. 656 - Stopping Abuse & Fraud in Electronic Lending Act of 2019 (SAFE Lending Act of 2019) HR 56 - Financial Technology Protection Act HR 189 - Financial Institution Customer Protection Act of 2019 HR 741 - Taking Account of Institutions with Low Operation Risk Act of 2019 (TAILOR Act of 2019) HR 1282 - Data Accountability & Trust Act HR 1491 - Facilitating Innovation & New Technology so Entrepreneurs Create and Hire Act of 2019 (FINTECH Act of 2019) HR 5050 - Veterans and Consumers Fair Credit Act S. 142 - American Data Dissemination Act of 2019 S. 583 - Digital Accountability and Transparency to Advance Privacy Act S. 610/HR 1423 - Forced Arbitration Injustice Repeal Act S. 630 - Arbitration Fairness for Consumers Act S. 635 - Restoring Statutory Rights and Interests of the States Act of 2019 (arbitration) S. 2833 - Veterans and Consumers Fair Credit Act S. 2808 - Emergency Assistance in Response to the Covid-19 Pandemic H.R. 6074: Coronavirus Preparedness and Response Supplemental Appropriations Act, 2020 H.R. 6201: Families First Coronavirus Response Act H.R. 748: Coronavirus Aid, Relief, and Economic Security Act H.R. 266: Paycheck Protection Program and Health Care Enhancement Act

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Banking issues in the Appropriations Act Community Reinvestment Act Bank Secrecy Act Anti-Money Laundering Cannabis Banking SAFE Banking Act S.2833 Veterans and Consumers Fair Credit Act H.R.5050 - Veterans and Consumers Fair Credit Act S. 2808 - Emergency Assistance in Response to the Covid-19 Pandemic H.R. 6074: Coronavirus Preparedness and Response Supplemental Appropriations Act, 2020 H.R. 6201: Families First Coronavirus Response Act H.R. 748: Coronavirus Aid, Relief, and Economic Security Act H.R. 266: Paycheck Protection Program and Health Care Enhancement Act

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 6, Promise Act; H.R. 303, Retired Pay Restoration Act; H.R. 333, Disabled Veterans Tax Termination Act; H.R. 463, Military Retiree Survivor Comfort Act; H.R. 553, Military Surviving Spouses Equity Act; H.R. 847, Protecting Gold Star Spouses Act of 2019; H.R. 2406, National Oceanic and Atmospheric Administration Commissioned Officer Corps Amendments Act of 2019; H.R. 2500, National Defense Authorization Act for Fiscal Year 2020; H.R. 2953, Aviation Incentive Pay Parity Act; H.R. 3409, Coast Guard Authorization Act of 2019; H.R. 4870, United States Public Health Service Modernization Act of 2019; H.R. 5050, Veterans and Consumers Fair Credit Act; H.R. 5887, Guard and Reserve Hazard Duty Pay Equity Act; H.R. 5995, Major Richard Star Act; H.R. 6148, TRICARE ECHO Improvement Act; H.R. 6395, National Defense Authorization Act for Fiscal Year 2021; S. 21, Pay Our Coast Guard Act; S. 208, Retired Pay Restoration Act; S. 622, Military Widow's Tax Elimination Act of 2019; S. 1047, Dependency and Indemnity Compensation Improvement Act of 2019; S. 1790, National Defense Authorization Act for Fiscal Year 2020; S. 2629, United States Public Health Service Modernization Act of 2019; S. 2833, Veterans and Consumers Fair Credit Act; S. 2943, National Defense Authorization Act for Fiscal Year 2017; S. 2981, National Oceanic and Atmospheric Administration Commissioned Officer Corps Amendments Act of 2019; S. 3272, A bill to provide for a safe to report policy relating to alleged instances of sexual assault involving members of the Armed Forces; S. 3273, ACCESS to Careers Act of 2020; S. 3308, Guard and Reserve Hazard Duty Pay Equity Act; S. 3393, A bill to amend title 10, United States Code, to provide for concurrent receipt of veterans' disability compensation and retired pay for disability retirees with fewer than 20 years of service and a combat-related disability, and for other purposes; S. 3432, Securing America's Medicine Cabinet Act of 2020.

Client expense: $590,911 · Firm income: Not reported

Government targets: Air Force, Dept of, Army, Dept of (Corps of Engineers), Army, Dept of (Other), Commerce, Dept of (DOC), Congressional Budget Office (CBO), Defense Commissary Agency, Defense Finance & Accounting Service (DFAS), Defense, Dept of (DOD), Federal Trade Commission (FTC), Government Accountability Office (GAO), Government Printing Office (GPO), HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Natl Guard, Natl Oceanic & Atmospheric Administration (NOAA), Navy, Dept of, Office of Management & Budget (OMB), Office of Personnel Management (OPM), Office of the Secretary of Defense, President of the U.S., SENATE, U.S. Coast Guard (USCG), U.S. Marines, Veterans Affairs, Dept of (VA), Veterans Employment & Training Service

H.R. 617 - Department of Energy Veterans' Health Initiative Act; H.R. 748 - CARES Act; H.R. 886 - Veteran Treatment Court Coordination Action of 2019; H.R. 1271 - Vet HP Act; H.R. 1812 - Vet Center Eligibility Expansion Act; H.R. 2359 - Whole Veteran Act; H.R. 2372 - Veterans Care Quality Transparency Act; H.R. 2385 - Veterans Legacy Program; H.R. 2629 - CARE for Reservists Act of 2019; H.R. 3221 - Dependency and Indemnity Compensation Improvement Act of 2019; H.R. 3224 - Deborah Sampson Act; H.R. 3504 - Ryan Kules and Paul Benne Specialty Adaptive Housing Improvement Act of 2019; H.R. 3587 - VA Website Accessibility Act of 2019; H.R. 4477 - Reducing High Risk to Veterans and Veterans Services Act; H.R. 4511 - Veteran Benefits Enhancement & Expansion Act; H.R. 4625 - Protect the GI Bill; H.R. 5050 - Veterans and Consumers Fair Credit Act; H.R. 6168 - Veterans' Compensation Cost-of-Living Adjustment Act; H.R. 6589 - VA Chief Financial Officer Authority and Collaboration Act of 2020; H.R. 6933 - Caring for Survivors Act of 2020; H.R. 7105 - DELIVER Act; H.R. 7469 - Modernizing Veterans Healthcare Eligibility Act; H.R. 7608 - State, Foreign Operations, Agriculture, Rural Development, Interior, Environment, Military Construction, and Veterans Affairs Appropriations Act; H.R. 8207 - Justice for Servicemembers Act of 2020; H.R. 8247 - Veterans COMPACT Act of 2020; H.R. 8319 - FY 2021 Continuing Appropriations & Other Extensions Act; H.R. 8354 - Servicemembers and Veterans Initiative Act of 2020; H.R. 8412 - Community Care Wait Time Transparency Act; H.R. 8483 - Pandemic Assistance for Student Veterans Act; H.R. 8484 - Ensuring Survivors Benefits during COVID-19 Act of 2020; H.R. 8506 - Veterans Exposed to Toxic Substances; H.R. 8559 - Surviving Families Benefit Expansion Act; H.R. 8900 - Further Continuing Appropriations Act 2021; S. 332 - Agent Orange Exposure Fairness Act; S. 450 - Veterans Improved Access and Care Act; S. 514 - Deborah Sampson Act; S. 524 - Tribal Advisory Committee Act; S. 629 - Accountability in Department of Veterans Affairs Scheduling and Consult Management Act; S. 711 - CARE for Reservists Act of 2019; S. 743 - Merrill's Marauders Congressional Gold Medal Act; S. 785 - Commander John Scott Hannon Veterans Mental Health Care Improvement Act; S. 1047 - A bill to amend title 38, United States Code, to create a dependency and indemnity compensation allowance for surviving spouses receiving dependency and indemnity compensation from the Department of Veterans Affairs, and for other purposes.; S. 2096 - NCA Grants for Training; S. 2216 - A bill to require the Secretary of Veterans Affairs to formally recognize caregivers of veterans, notify veterans and caregivers of clinical determinations relating to eligibility for caregiver programs, and temporarily extend benefits for veterans who are determined ineligible for the family caregiver program, and for other purposes.; S. 2558 - Nursing Home Care for Native American Veterans Act; S. 2661 - National Suicide Hotline Designation Act of 2020; S. 2833 - Veterans and Consumers Fair Credit Act; S. 3182 - HEALTH Act; S. 3753 - VA DROP Act; S. 4166 - Ensuring Survivors Benefits during COVID-19 Act of 2021; S. 4287 - COVID-19 Benefits for Active Duty Servicemembers, the Reserve Components, and their Survivors; S. 4384 - K2 Advocacy Act; S. 4393 - TEAM Act of 2020; S. 4460 - State Veterans Homes Domiciliary Care Flexibility Act; S. 4594 - Caring for the Survivors and Families of Veterans Act of 2020; S. 4883 - Brian Tally Act; S. 4909 - Native American Veteran PACT Act; S. 4910 - GRACE Act.

Client expense: $416,877 · Firm income: Not reported

Government targets: Air Force, Dept of, Army, Dept of (Corps of Engineers), Army, Dept of (Other), Commerce, Dept of (DOC), Congressional Budget Office (CBO), Defense Commissary Agency, Defense Department Field Activities, Defense Finance & Accounting Service (DFAS), Defense, Dept of (DOD), Government Accountability Office (GAO), Government Printing Office (GPO), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Internal Revenue Service (IRS), Natl Guard, Natl Oceanic & Atmospheric Administration (NOAA), Navy, Dept of, Office of Management & Budget (OMB), Office of Personnel Management (OPM), Office of the Secretary of Defense, President of the U.S., SENATE, Treasury, Dept of, U.S. Coast Guard (USCG), U.S. Marines, Veterans Affairs, Dept of (VA), Veterans Employment & Training Service, Vice President of the U.S.

H.R. 617 - Department of Energy Veterans' Health Initiative Act; H.R. 748 - CARES Act; H.R. 886 - Veteran Treatment Court Coordination Action of 2019; H.R. 1271 - Vet HP Act; H.R. 1812 - Vet Center Eligibility Expansion Act; H.R. 2359 - Whole Veteran Act; H.R. 2372 - Veterans Care Quality Transparency Act; H.R. 2385 - Veterans Legacy Program; H.R. 2629 - CARE for Reservists Act of 2019; H.R. 3221 - Dependency and Indemnity Compensation Improvement Act of 2019; H.R. 3224 - Deborah Sampson Act; H.R. 3504 - Ryan Kules and Paul Benne Specialty Adaptive Housing Improvement Act of 2019; H.R. 3587 - VA Website Accessibility Act of 2019; H.R. 4477 - Reducing High Risk to Veterans and Veterans Services Act; H.R. 4511 - Veteran Benefits Enhancement & Expansion Act; H.R. 4625 - Protect the GI Bill; H.R. 5050 - Veterans and Consumers Fair Credit Act; H.R. 6168 - Veterans' Compensation Cost-of-Living Adjustment Act; H.R. 6589 - VA Chief Financial Officer Authority and Collaboration Act of 2020; H.R. 6933 - Caring for Survivors Act of 2020; H.R. 7105 - DELIVER Act; H.R. 7469 - Modernizing Veterans Healthcare Eligibility Act; H.R. 7608 - State, Foreign Operations, Agriculture, Rural Development, Interior, Environment, Military Construction, and Veterans Affairs Appropriations Act; H.R. 8207 - Justice for Servicemembers Act of 2020; H.R. 8247 - Veterans COMPACT Act of 2020; H.R. 8319 - FY 2021 Continuing Appropriations & Other Extensions Act; H.R. 8354 - Servicemembers and Veterans Initiative Act of 2020; H.R. 8412 - Community Care Wait Time Transparency Act; H.R. 8483 - Pandemic Assistance for Student Veterans Act; H.R. 8484 - Ensuring Survivors Benefits during COVID-19 Act of 2020; H.R. 8506 - Veterans Exposed to Toxic Substances; H.R. 8559 - Surviving Families Benefit Expansion Act; H.R. 8900 - Further Continuing Appropriations Act 2021; S. 332 - Agent Orange Exposure Fairness Act; S. 450 - Veterans Improved Access and Care Act; S. 514 - Deborah Sampson Act; S. 524 - Tribal Advisory Committee Act; S. 629 - Accountability in Department of Veterans Affairs Scheduling and Consult Management Act; S. 711 - CARE for Reservists Act of 2019; S. 743 - Merrill's Marauders Congressional Gold Medal Act; S. 785 - Commander John Scott Hannon Veterans Mental Health Care Improvement Act; S. 1047 - A bill to amend title 38, United States Code, to create a dependency and indemnity compensation allowance for surviving spouses receiving dependency and indemnity compensation from the Department of Veterans Affairs, and for other purposes.; S. 2096 - NCA Grants for Training; S. 2216 - A bill to require the Secretary of Veterans Affairs to formally recognize caregivers of veterans, notify veterans and caregivers of clinical determinations relating to eligibility for caregiver programs, and temporarily extend benefits for veterans who are determined ineligible for the family caregiver program, and for other purposes.; S. 2558 - Nursing Home Care for Native American Veterans Act; S. 2661 - National Suicide Hotline Designation Act of 2020; S. 2833 - Veterans and Consumers Fair Credit Act; S. 3182 - HEALTH Act; S. 3753 - VA DROP Act; S. 4166 - Ensuring Survivors Benefits during COVID-19 Act of 2021; S. 4287 - COVID-19 Benefits for Active Duty Servicemembers, the Reserve Components, and their Survivors; S. 4384 - K2 Advocacy Act; S. 4393 - TEAM Act of 2020; S. 4460 - State Veterans Homes Domiciliary Care Flexibility Act; S. 4594 - Caring for the Survivors and Families of Veterans Act of 2020; S. 4883 - Brian Tally Act; S. 4909 - Native American Veteran PACT Act; S. 4910 - GRACE Act.

Client expense: $416,877 · Firm income: Not reported

Government targets: Air Force, Dept of, Army, Dept of (Corps of Engineers), Army, Dept of (Other), Commerce, Dept of (DOC), Congressional Budget Office (CBO), Defense Commissary Agency, Defense Department Field Activities, Defense Finance & Accounting Service (DFAS), Defense, Dept of (DOD), Government Accountability Office (GAO), Government Printing Office (GPO), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Internal Revenue Service (IRS), Natl Guard, Natl Oceanic & Atmospheric Administration (NOAA), Navy, Dept of, Office of Management & Budget (OMB), Office of Personnel Management (OPM), Office of the Secretary of Defense, President of the U.S., SENATE, Treasury, Dept of, U.S. Coast Guard (USCG), U.S. Marines, Veterans Affairs, Dept of (VA), Veterans Employment & Training Service, Vice President of the U.S.

Implementation of Public Law 115-174 (S. 2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act: entire bill, including Social Security Administration to modernize verification system); Tax reform (Tax Cuts and Jobs Act of the 115th Congress): issues related to net operating loss (NOL) carryback provision; Issues relating to the Consumer Financial Protection Bureau, including ESIGN (S. 4159, E-SIGN Modernization Act of 2020); Issues relating to the Financial Stability Oversight Council and the Federal Accounting Standards Boards Current Expected Credit Loss (CECL) standards (S. 1564 - Continued Encouragement for Consumer Lending Act and H.R. 3182 - CECL Consumer Impact and Study Bill of 2019), S.3502 - Community Bank Regulatory Relief Act, H. R. 748 - CARES Act; Issues relating to consumer credit, including H. R. 5050 - Veterans and Consumers Fair Credit Act; Issues relating to privacy (no bill); Issues relating to data security (no bill); Issues relating to cybersecurity of the financial services industry (no bill); Issues relating to FCC interpretations of the Telephone Consumer Protection Act (TCPA) (no bill) Issues related to data aggregation (no bill) Issues related to diversity and inclusion (no bill) Financial Services Industry use of the Covered Business Method program at the U.S. Patent Office (no bill) Industrial Loan Company Issues (no bill)

Client expense: $240,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Implementation of Public Law 115-174 (S. 2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act: entire bill, including Social Security Administration to modernize verification system); Tax reform (Tax Cuts and Jobs Act of the 115th Congress): issues related to net operating loss (NOL) carryback provision; Issues relating to the Consumer Financial Protection Bureau, including ESIGN (S. 4159 E-SIGN Modernization Act of 2020); Issues relating to the Financial Stability Oversight Council and the Federal Accounting Standards Boards Current Expected Credit Loss (CECL) standards (S. 1564 - Continued Encouragement for Consumer Lending Act and H.R. 3182 - CECL Consumer Impact and Study Bill of 2019); S.3502 - Community Bank Regulatory Relief Act, H. R. 748 - CARES Act; Issues relating to consumer credit, including H. R. 5050 - Veterans and Consumers Fair Credit Act; Issues relating to privacy (no bill); Issues relating to data security (no bill); Issues relating to cybersecurity of the financial services industry (no bill); Issues relating to FCC interpretations of the Telephone Consumer Protection Act (TCPA) (no bill) Issues related to diversity and inclusion (no bill) Financial Services Industry use of the Covered Business Method program at the U.S. Patent Office (no bill) Industrial Loan Company Issues (no bill)

Client expense: $240,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Financial Services Access to Credit HR 5050

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

Government targets: HOUSE OF REPRESENTATIVES

Financial Services Access to Credit HR 5050

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

Government targets: HOUSE OF REPRESENTATIVES

Financial Services Access to Credit HR 5050

Client expense: $120,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES

Financial Services Access to Credit HR 5050

Client expense: $120,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES

HR 5050

Client expense: Not reported · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R.6379 Take Responsibility for Workers and Families Act S.3566Stop 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.3560Small 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 3548To provide emergency assistance and health care response for individuals, families, and businesses affected by the 2020 coronavirus pandemic. S.3509A 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.6363Student Debt Emergency Relief Act HR 748Coronavirus 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 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. 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. XXXXthe 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. 3841To protect 2020 recovery rebates for individuals from assignment or garnishment, and for other purposes. S. 3620To establish a Housing Assistance Fund at the Department of the Treasury. This bill provides funds for assistance to homeowners to prevent mortgage defaults, foreclosures, and displacements of individuals and families experiencing financial hardship after January 21, 2020. H.R. 6741 COVID-19 Mortgage Relief Act, to amend the CARES Act to provide forbearance and foreclosure moratoriums for all mortgage loans, and for other purposes. H.R. 6800 Health and Economic Recovery Omnibus Emergency Solutions Act (HEROES Act). Among other things, the bill modifies and expands the Paycheck Protection Program, which provides loans and grants to small businesses and nonprofit organizations; extends and expands the moratorium on certain evictions and foreclosures S. 3685Emergency Rental Assistance and Rental Market Stabilization Act of 2020, a bill to provide emergency rental assistance under the Emergency Solutions Grants program of HUD in response to the public health emergency resulting from the coronavirus, and for other purposes. H.J. Res 90 A Congressional Review Act resolution of disapproval to nullify the OCCs Community Reinvestment Act rule S. 4098Coronavirus Housing Counseling Improvement Act, to provide funding for the Neighborhood Reinvestment Corporation Act, and for other purposes. H.R. 679 Promoting Access to Credit for Homebuyers Act of 2020, to promote access to mortgage credit during the COVID-19 pandemic by preventing restrictions on providing Federal backing for single-family mortgage loans in forbearance, and for other purposes. S. 4519Rent Emergencies Leave Impacts on Evicted Families Act (RELIEF Act), A bill to provide mortgage relief and to provide eviction relief for renters related to the COVID-19 pandemic S.4260 - Promoting Access to Credit for Homebuyers Act of 2020 S 4073 - the Neighborhood Homes Investment Act HR 6735, COVID-19 Fraud Prevention Act - This bill establishes the Consumer and Investor Fraud Working Group to prevent fraud during the COVID-19 (i.e., coronavirus disease 2019) pandemic. The working group must report monthly regarding resources available to consumers, public enforcement actions, and related consumer complaints. H.R.7889 - Small Business Lending Disclosure and Broker Regulation Act of 2020 H.R.8039 - Examining Educational Redlining in Lending Act S.4117 - Paycheck Protection Small Business Forgiveness Act. This bill modifies loan forgiveness under the Paycheck Protection Program established to support small businesses in response to COVID-19 (i.e., coronavirus disease 2019). S.4459 - CARES Congressional Oversight Commission Diversity Act of 2020. The bill would amend the CARES Act to modify the membership requirements of the Congressional Oversight Commission to ensure that groups disproportionately impacted by COVID-19 and the resulting economic recession are represented on the Commission. S.Res.711 - A resolution calling on the President of the United States to take executive action to broadly cancel Federal student loan debt. S.4321 - Continuing Small Business Recovery and Paycheck Protection Program Act. This bill establishes funding for, expands, and provides additional economic assistance to small businesses in response to COVID-19 (i.e., coronavirus disease 2019) S.4255 - Jobs and Neighborhood Investment Act. The legislation would provide eligible community development financial institutions (CDFIs) and Minority Depository Institutions (MDIs) with capital, liquidity, and operational capacity, to expand the flow of credit into underserved, minority, and historically disadvantaged communities, helping small businesses stay afloat and expand operations, while providing affordable access to credit for lower income borrowers. S.3742 - RELIEF for Main Street Act. This bill establishes for one year the Small Business Local Relief Program, which shall allocate resources to states, local governments, and Native American tribes for providing assistance to certain small businesses and nonprofits that have lost revenue due to COVID-19 (i.e., coronavirus disease 2019). S.4614 - Postal Banking Act. The Postal Banking Act would re-establish postal banking to provide financial security to millions of Americans in low-income and rural communities and create approximately $9 billion in annual revenue and strengthen USPS. H.R.6395 - William M. (Mac) Thornberry National Defense Authorization Act for Fiscal Year 2021. This bill authorizes FY2021 appropriations and sets forth policies for Department of Defense (DOD) programs and activities, including military personnel strengths. It does not provide budget authority, which is provided in subsequent appropriations legislation. H.Amdt.843 to H.R.6395. An amendment numbered 17 printed in House Report 116-457 to extend CARES student loan protections for private student loan borrowers who were left out of the CARES Act. It also amendment extends the private student loan protections to September 30, 2021. H.Amdt.840 to H.R.6395. Amendment provides up to $10,000 in immediate assistance to pay down the balance of private student loans, and requires the servicer to modify the loan when borrower payments resume. S.4237 - Student Loan Fairness Act. The Student Loan Fairness Act (S. 4237) will extend the CARES Act student loan relief to recipients of Perkins loans and commercially-held FFEL loans by covering the cost of interest and suspending monthly payments for the period of March 13 through September 30, 2020, and suspending all involuntary collection, such as administrative wage garnishment or offsets from tax refunds, for this period. S. 2231/H.R.3922 - American Opportunity Accounts Act -This bill requires federally funded and managed savings accounts (American Opportunity Accounts) to be established for American children who are under the age of 18. The bill also increases and modifies (1) estate and gift taxes, and (2) capital gains taxes. S.5065 - A bill to provide more than $435,000,000,000 in immediate and long-term investments in communities to promote economic justice, and for other purposes. H.Res.1269 - Calling on the President of the United States to take Executive action to broadly cancel Federal student loan debt. H.R. 149/S. 4969 - the Housing Fairness Act: 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. 8946 - To provide emergency relief assistance under a modified Community Development Block Grant program for communities facing economic damage from civil and social crises, and for other purposes. S. 4991/HR 8902 -To amend title 11, United States Code, to add a bankruptcy chapter relating to the debt of individuals, and for other purposes. Xx - FEDERAL HOME LOAN BANKS MISSION IMPLEMENTATION ACT H. R. 8820 - To extend the temporary relief for Federal student loan borrowers provided under the CARES Act. H.R. 4403, Stop Debt Collection Abuse Act of 2019 (Cleaver-D-MO) H. R. 8721 - To provide for the Federal charter of certain public banks, and for other purposes. H.R. 8667/S. 4801 Fair Access to Financial Services Act of 2020 - This bill prohibits financial institutions from discriminating on the basis of race, color, religion, national origin, or sex, including sexual orientation and gender identity. The bill also provides an aggrieved person with a private right of action for preventive relief. S. 4818 Heroes Small Business Lifeline Act - This bill provides economic support to small business affected by COVID-19 (i.e., coronavirus disease 2019) by extending and expanding existing initiatives such as the Paycheck Protection Program, establishing a new lifeline grant program, and providing dedicated assistance for industries such as restaurants and live entertainment. S. 4800 - The HEROES act H.R.133 -Consolidated Appropriations Act, 2021 S.1153 -Stop Student Debt Relief Scams Act of 2019 HR 7616- Transportation, Housing and Urban Development, and Related Agencies Appropriations Act, 2021; This bill provides FY2021 appropriations to the Department of Transportation (DOT), the Department of Housing and Urban Development (HUD), and several related agencies.

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

Government targets: Consumer Financial Protection Bureau (CFPB), Education, Dept of, Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), Natl Economic Council (NEC), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of, White House Office

H.R.6379 Take Responsibility for Workers and Families Act S.3566Stop 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.3560Small 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 3548To provide emergency assistance and health care response for individuals, families, and businesses affected by the 2020 coronavirus pandemic. S.3509A 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.6363Student Debt Emergency Relief Act HR 748Coronavirus 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 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. 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. XXXXthe 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. 3841To protect 2020 recovery rebates for individuals from assignment or garnishment, and for other purposes. S. 3620To establish a Housing Assistance Fund at the Department of the Treasury. This bill provides funds for assistance to homeowners to prevent mortgage defaults, foreclosures, and displacements of individuals and families experiencing financial hardship after January 21, 2020. H.R. 6741 COVID-19 Mortgage Relief Act, to amend the CARES Act to provide forbearance and foreclosure moratoriums for all mortgage loans, and for other purposes. H.R. 6800 Health and Economic Recovery Omnibus Emergency Solutions Act (HEROES Act). Among other things, the bill modifies and expands the Paycheck Protection Program, which provides loans and grants to small businesses and nonprofit organizations; extends and expands the moratorium on certain evictions and foreclosures S. 3685Emergency Rental Assistance and Rental Market Stabilization Act of 2020, a bill to provide emergency rental assistance under the Emergency Solutions Grants program of HUD in response to the public health emergency resulting from the coronavirus, and for other purposes. H.J. Res 90 A Congressional Review Act resolution of disapproval to nullify the OCCs Community Reinvestment Act rule S. 4098Coronavirus Housing Counseling Improvement Act, to provide funding for the Neighborhood Reinvestment Corporation Act, and for other purposes. H.R. 679 Promoting Access to Credit for Homebuyers Act of 2020, to promote access to mortgage credit during the COVID-19 pandemic by preventing restrictions on providing Federal backing for single-family mortgage loans in forbearance, and for other purposes. S. 4519Rent Emergencies Leave Impacts on Evicted Families Act (RELIEF Act), A bill to provide mortgage relief and to provide eviction relief for renters related to the COVID-19 pandemic S.4260 - Promoting Access to Credit for Homebuyers Act of 2020 S 4073 - the Neighborhood Homes Investment Act HR 6735, COVID-19 Fraud Prevention Act - This bill establishes the Consumer and Investor Fraud Working Group to prevent fraud during the COVID-19 (i.e., coronavirus disease 2019) pandemic. The working group must report monthly regarding resources available to consumers, public enforcement actions, and related consumer complaints. H.R.7889 - Small Business Lending Disclosure and Broker Regulation Act of 2020 H.R.8039 - Examining Educational Redlining in Lending Act S.4117 - Paycheck Protection Small Business Forgiveness Act. This bill modifies loan forgiveness under the Paycheck Protection Program established to support small businesses in response to COVID-19 (i.e., coronavirus disease 2019). S.4459 - CARES Congressional Oversight Commission Diversity Act of 2020. The bill would amend the CARES Act to modify the membership requirements of the Congressional Oversight Commission to ensure that groups disproportionately impacted by COVID-19 and the resulting economic recession are represented on the Commission. S.Res.711 - A resolution calling on the President of the United States to take executive action to broadly cancel Federal student loan debt. S.4321 - Continuing Small Business Recovery and Paycheck Protection Program Act. This bill establishes funding for, expands, and provides additional economic assistance to small businesses in response to COVID-19 (i.e., coronavirus disease 2019) S.4255 - Jobs and Neighborhood Investment Act. The legislation would provide eligible community development financial institutions (CDFIs) and Minority Depository Institutions (MDIs) with capital, liquidity, and operational capacity, to expand the flow of credit into underserved, minority, and historically disadvantaged communities, helping small businesses stay afloat and expand operations, while providing affordable access to credit for lower income borrowers. S.3742 - RELIEF for Main Street Act. This bill establishes for one year the Small Business Local Relief Program, which shall allocate resources to states, local governments, and Native American tribes for providing assistance to certain small businesses and nonprofits that have lost revenue due to COVID-19 (i.e., coronavirus disease 2019). S.4614 - Postal Banking Act. The Postal Banking Act would re-establish postal banking to provide financial security to millions of Americans in low-income and rural communities and create approximately $9 billion in annual revenue and strengthen USPS. H.R.6395 - William M. (Mac) Thornberry National Defense Authorization Act for Fiscal Year 2021. This bill authorizes FY2021 appropriations and sets forth policies for Department of Defense (DOD) programs and activities, including military personnel strengths. It does not provide budget authority, which is provided in subsequent appropriations legislation. H.Amdt.843 to H.R.6395. An amendment numbered 17 printed in House Report 116-457 to extend CARES student loan protections for private student loan borrowers who were left out of the CARES Act. It also amendment extends the private student loan protections to September 30, 2021. H.Amdt.840 to H.R.6395. Amendment provides up to $10,000 in immediate assistance to pay down the balance of private student loans, and requires the servicer to modify the loan when borrower payments resume. S.4237 - Student Loan Fairness Act. The Student Loan Fairness Act (S. 4237) will extend the CARES Act student loan relief to recipients of Perkins loans and commercially-held FFEL loans by covering the cost of interest and suspending monthly payments for the period of March 13 through September 30, 2020, and suspending all involuntary collection, such as administrative wage garnishment or offsets from tax refunds, for this period.

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

Government targets: Consumer Financial Protection Bureau (CFPB), Education, Dept of, Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), Natl Economic Council (NEC), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of, White House Office

Issues related to the reauthorization of the Higher Education Act, specifically student loans (no bill); HR 5050, Veterans and Consumers Fair Credit Act; HJ Res. 76, Providing for Congressional Disapproval under Chapter 8, Title V, of United States Code, of the Rule Submitted by the Department of Education relating to "Borrower Defense Institutional Accountability;" issues related to regulations under the Community Reinvestment Act; general issues related to student loan forgiveness.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Proposals affecting automotive finance H.R. 5050, S. 2833, "Veterans and Consumers Fair Credit Act" H.R. 6395, "The National Defense Authorization Act for Fiscal Year 2021"

Client expense: $1,149,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Environmental Protection Agency (EPA), Executive Office of the President (EOP), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Labor, Dept of (DOL), Natl Highway Traffic Safety Administration (NHTSA), Natl Labor Relations Board (NLRB), Natl Telecommunications & Information Administration (NTIA), Occupational Safety & Health Administration (OSHA), President of the U.S., SENATE, Small Business Administration (SBA), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Trade Representative (USTR), White House Office

Legislative and regulatory issues affecting the banking sector, including interchange fees. FDIC proposed rule on broker deposits. H.R. 1595/S. 1200, Secure and Fair Enforcement Banking Act of 2019. H.R. 5050, Veterans and Consumers Fair Credit Act. Proposals to amend the Community Reinvestment Act. Implementation of the Coronavirus Aid, Relief, and Economic Security (CARES) Act, Pub. L. No. 116-136. H.R. 5184/S. 1624, Help End Abusive Living Situations Act (HEALS Act). H.R. 133, Consolidated Appropriations Act, 2021.

Client expense: $140,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Legislation and regulation relating to short-term lending and payday lending. Issues regarding payment processing for payday loans. Issues relating to Operation Choke Point. Issues relating to Consumer Financial Protection Bureau proposed rulemaking on payday and other short-term loans. Issues relating to the implementation for the Coronavirus Aid, Relief, and Economic Security Act of 2020, Public Law 116-139. . H.R.1595, Secure And Fair Enforcement Banking Act of 2019, provisions relating to requirements for deposit account termination requests and orders. HR 5050, Veterans and Consumers Fair Credit Act, all provisions. HR 266 Paycheck Protection Act, access to loan programs for all small businesses. HR 7010 Paycheck Protection Act Flexibility Act of 2020, access to loan programs for all small businesses. S 4049 The National Defense Authorization Act for 2021, provisions regarding short term loans and interest rates. HR 6395 The National Defense Authorization Act for 2021, provisions regarding short term loans and interest rates. HR 6800, Health and Economic Recovery Omnibus Emergency Solutions Act or the HEROES Act, provisions related to consumer short term lending. Health, Economic Assistance, Liability Protection and Schools Act (HEALS Act) provisions affecting short term and payday lending. H.R. 6395, William M. (Mac) Thornberry National Defense Authorization Act for Fiscal Year 2021, provisions affecting short-term and payday lending. H.R. 133, Consolidated Appropriations Act, 2021, provisions relating to coronavirus stimulus and recovery.

Client expense: Not reported · Firm income: $60,000

Government targets: Federal Deposit Insurance Corporation (FDIC), HOUSE OF REPRESENTATIVES, SENATE

PL 116-260 FY2021 Omnibus Appropriations and COVID Relief and Response Act, Division E: Financial Services and General Government Appropriations Act, all provisions relating to credit card interchange. PL 116-283 National Defense Authorization Act for 2021, all provisions relating to interest rates and interchange caps. S 3571 Banking for All Act, all provisions. S 3508 Disaster Protection for Workers Credit Act of 2020, all provisions relating to credit card interchange. Issues pertaining to the creation of a Central Bank for Digital Currency. Issues pertaining to the implementation of PL 116-136 Coronavirus Aid, Relief, and Economic Security Act, Title IV - Economic Stabilization and Assistance to Severely Distressed Sectors of U.S. Economy, all provisions relating to deferral or loan modifications. HR 5050 Veterans and Consumers Fair Credit Act, all provisions relating to interest rate caps and credit card interchange. Issues pertaining to an Administration memorandum on Congressional Review Act/Cost-Benefit Analysis by individual agencies. HR 2930/S 1389 Loan Shark Prevention Act, all provisions relating to credit rate caps. Issues pertaining to a Consumer Payments Security Act (no number), all provisions. Issues pertaining to the Payment Card Industrys standards-setting. Issues pertaining to possible FFIEC (Federal Financial Institutions Examination Council) regulations on multi-factor authentication. Issues pertaining to possible legislation relating to electronic payment of federal taxes. Issues pertaining to the US regulatory response to the EU General Data Regulatory Protection. Issues pertaining to possible legislation relating to data security. Issues pertaining to Federal Reserve study on payments fraud. Issues pertaining to the EMVCo (Europay, Mastercard, Visa) and the EMV chip cards. Issues pertaining to the implementation of PL 111-24 Credit Card Accountability Responsibility and Disclosure Act of 2009, all provisions relating to interchange. Issues pertaining to the implementation of PL 111-203 Dodd-Frank Wall Street Reform and Consumer Protection Act, all provisions relating to the provisions in Title X-Bureau of Consumer Financial Protection relating to interchange. Issues pertaining to antitrust legislation relating to interchange. Issues pertaining to payment card interchange fee and merchant discount anti-trust litigation. Issues pertaining to The Economic Growth and Regulatory Paperwork Reduction Act, all provisions relating to debit card interchange. Issues pertaining to Real Time Payments.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Legislative proposals impacting banking services for financial services providers. Federal policy relating to anticipated Consumer Financial Protection Bureau regulation of consumer financial services including payday and auto title lending, and regulatory process. Payday, Vehicle Title, and Certain High-Cost Installment Loans. H.R.5050, Veterans and Consumers Fair Credit Act. H.R.748, CARES Act (P.L.116-136); H.R.2650, Payment Choice Act of 2019; S.4145, Payment Choice Act of 2020; H.R.133, Making consolidated appropriations for the fiscal year ending September 30, 2021, providing coronavirus emergency response and relief, and for other purposes (P.L.116-260).

Client expense: Not reported · Firm income: $60,000

Government targets: Consumer Financial Protection Bureau (CFPB), HOUSE OF REPRESENTATIVES, SENATE

Issues pertaining to financial services and FinTech. H.R. 5050 - Veterans and Consumers Fair Credit Act

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Promoting consumer savings; issues and legislation impacting consumer credit, H.R. 5050, S. 2833, H.R. 2930, S. 1389; Disclosure modernization, S. 4159; Discussed impact of pandemic on delivery of consumer products (no specific bills).

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

Government targets: Commodity Futures Trading Commission (CFTC), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Natl Economic Council (NEC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

General issues related to consumer lending; H.R. 3182, the CECL Consumer Impact and Study Bill of 2019; H. R. 5050, Veterans and Consumers Fair Credit Act.

Client expense: Not reported · Firm income: $60,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

General issues related to installment lending. Issues related to auto finance. H. R. 5050, Veterans and Consumers Fair Credit Act. H.R. 133, Consolidated Appropriations Act, 2021. H.R. 6767 / S. 3657, a bill to amend the Servicemembers Civil Relief Act to provide for an extension of lease protections for servicemembers under stop movement orders in response to a local, national, or global emergency. S. 4566, Modernizing Notice of Lease Terminations for Servicemembers Act of 2020.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE, White House Office

Implementation of Public Law 115-174 (S. 2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act: entire bill, including Social Security Administration to modernize verification system); Tax reform (Tax Cuts and Jobs Act of the 115th Congress): issues related to net operating loss (NOL) carryback provision; Issues relating to the Consumer Financial Protection Bureau, including ESIGN (S. 4159 E-SIGN Modernization Act of 2020); Issues relating to the Financial Stability Oversight Council and the Federal Accounting Standards Boards Current Expected Credit Loss (CECL) standards (S. 1564 - Continued Encouragement for Consumer Lending Act and H.R. 3182 - CECL Consumer Impact and Study Bill of 2019); S.3502 - Community Bank Regulatory Relief Act, H. R. 748 - CARES Act; Issues relating to consumer credit, including H. R. 5050 - Veterans and Consumers Fair Credit Act; Issues relating to privacy (no bill); Issues relating to data security (no bill); Issues relating to cybersecurity of the financial services industry (no bill); Issues relating to FCC interpretations of the Telephone Consumer Protection Act (TCPA) (no bill) Issues related to diversity and inclusion (no bill) Financial Services Industry use of the Covered Business Method program at the U.S. Patent Office (no bill) Industrial Loan Company Issues (no bill)

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Implementation of Public Law 115-174 (S. 2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act: entire bill, including Social Security Administration to modernize verification system); Tax reform (Tax Cuts and Jobs Act of the 115th Congress): issues related to net operating loss (NOL) carryback provision; Issues relating to the Consumer Financial Protection Bureau, including ESIGN (S. 4159, E-SIGN Modernization Act of 2020); Issues relating to the Financial Stability Oversight Council and the Federal Accounting Standards Boards Current Expected Credit Loss (CECL) standards (S. 1564 - Continued Encouragement for Consumer Lending Act and H.R. 3182 - CECL Consumer Impact and Study Bill of 2019), S.3502 - Community Bank Regulatory Relief Act, H. R. 748 - CARES Act; Issues relating to consumer credit, including H. R. 5050 - Veterans and Consumers Fair Credit Act; Issues relating to H.R. 8235, the Open Courts Act Issues relating to privacy (no bill); Issues relating to data security (no bill); Issues relating to cybersecurity of the financial services industry (no bill); Issues relating to FCC interpretations of the Telephone Consumer Protection Act (TCPA) (no bill) Issues related to diversity and inclusion (no bill) Financial Services Industry use of the Covered Business Method program at the U.S. Patent Office (no bill) Industrial Loan Company Issues (no bill)

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 5294, The Student Borrower Protection Act (Rep. Alma Adams) Heroes Act (COVID PACKAGE) HEALS act (opposed) H.R. 6395, the FY21 National Defense Authorization Act - Rep. Adams amendment H.R. 6395, the FY21 National Defense Authorization Act - Rep. Dean's amendment HR5050/SB2388 VCFCA - preparation of materials for lobbying

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

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Office of Management & Budget (OMB), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

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 Issues related to premium assessments by the National Credit Union Share Insurance Issues related to the proposed exclusion of PPP Loans from financial institution asset calculations Issues related to Provision 4013 of the CARES Act Issues related to Provision 4016 of the CARES Act Issues related to the oversight of prudential regulators Issues related to Section 1071 Small Business data collection rulemaking Issues related to PAL 1 Program Issues related to credit union asset size thresholds for regulatory compliance Issues related to NCUA 2020-2021 Budget Issues related to NCUA MERIT examination system Issues related to NCUA Derivatives rulemaking Issues related to mortgage servicer assistance Issues related to Section 4022 of the CARES Act Issues related to the ability of NCUA to offer forbearance from Prompt Corrective Action Requirements Issues related to Temporarily Excluding Certain Low-Risk Assets from the Credit Union Net Worth Ratio Issues related to London Inter-Bank Offered Rate (LIBOR) Issues related to the regulation of Federal Employment Laws Issues related to the Office of Comptroller Charter Issues related to the Crypto Charter Issues related to the Solar Winds Data Breach Issues related to PPP Loan Necessity Questionnaires Issues related to SBA Economic Injury Disaster Loan Advances Issues related to Seasoned QM Loan Definition Issues related to FHFA Strategic Plan for 2021-2024 Issues related to GSE Housing Goals H.R. 133, the Consolidated Appropriations Act for FY 2021 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.R. 8484, Student Empowerment and Financial Literacy Act H.R. 8675, Preventing Regulatory Penalties for PPP Lenders Act H.R. 8740, the Strengthening Cybersecurity for the Financial Sector Act of 2020 H.R. ____, the Protecting Consumers and Small Businesses through Forbearance Act H.R. ____, the Diversity in Financial Regulatory Advisory Committees Act 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 S. 4470, Rural Equal Aid Act of 2020 Sec. 2821 of S. 1790, the National Defense Authorization Act of FY 2020

Client expense: $1,010,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Consumer Financial Protection Bureau (CFPB), Executive Office of the President (EOP), Federal Communications Commission (FCC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), Office of the Comptroller of the Currency (OCC), SENATE, Small Business Administration (SBA), Treasury, Dept of, U.S. Agency for International Development (USAID), Veterans Affairs, Dept of (VA)

Issues related to banking regulatory reform: -Implementation of S. 2155 (from 115th Congress) -HR 1500 - Consumers First Act -Issues related to Current Expected Credit Loss -HR 3182 - CECL Consumer Impact and Study Bill of 2019 -HR 6800 - The Heroes Act -Issues related to BSA/AML -S.2563 ILLICIT CASH Act -HR 1018 - Improving Corporate Governance Through Diversity Act -HR 3278 - Diversity in Corporate Leadership Act -Issues related to arbitration -HR 327 - Ending Forced Arbitration for Victims of Data Breaches Act of 2019 -Issues related to interest rate caps -HR 5050 Veterans and Consumers Fair Credit Act -S 3548 - CARES Act -HR 6216 - Emergency Assistance for Student Borrowers Act -S. 3502 - The Community Bank Regulatory Relief Act -HR 6395 - National Defense Authorization Act for Fiscal Year 2021(issues related to banking) -HR 5332 - Protecting Your Credit Score Act of 2020 -S. 375 - Payment Integrity Information Act of 2019 -HR 3621 - Comprehensive CREDIT Act of 2020 -S. 2961 - Data Care Act of 2019 -HR 3948 - Debt Collection Practices Harmonization Act -HR 4813 - Keep Big Tech Out Of Finance Act -S 2685 - Consumer Credit Control Act of 2019 -Issues related to unfair, deceptive, and abusive acts and practices -Issues related to financial innovation -Issues related to financial literacy -Issues related to the Community Reinvestment Act -Issues related to brokered deposits -Issues related to debt collection -Issues related to artificial intelligence -Issues related to interest rate exportation -Issues related to small business data collection -Issues related to modernized disclosures -Issues related to privacy -Issues related to Covid-19 Relief

Client expense: $550,000 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Natl Economic Council (NEC), SENATE, Treasury, Dept of

Veterans and Consumers Fair Credit Act-H.R.5050/S.2833

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to Cyber Security, Data Security & Breach Notification Issues related to Consumer Data Privacy Issues related to Dodd Frank including Section 1033 Issues related to the Consumer Financial Protection Bureau Legislation related to establishing a commission at the CFPB Issues related to the CFPBs rulemaking under the Home Mortgage Disclosure Act Issues related to anticipated rulemaking that would affect debt collection Issues related to Equal Credit Opportunity Act Issues related to CFPB Consumer Response Portal Issues related to CFPB Advisory Opinion Program Issues related to CFPB Taskforce on Consumer Financial Laws Issues related to CFPB Small-dollar Rule Issues related to Dodd-Frank Act, including Section 1071 Issues related to the Ability to Repay Rule, Qualified Mortgage Standards Issues related to Underbanked/Unbanked Consumers Issues related to CFPB No-Action Letter and Project Sandbox Proposal Issues related to CFPB agency guidance H.R. 3629, Clarity in Credit Score Formation Act of 2019 H.R. 1423, Forced Arbitration Injustice Repeal Act Issues related to the OCCs Electronic Operations of Federal Savings Associations Issues related to COVID-19 pandemic Issues related to Pub. Law 116-136, Coronavirus Aid, Relief, and Economic Security Act H.R. 6800, Health and Economic Recovery Omnibus Emergency Solutions H.R. 7010, Paycheck Protection Program Flexibility Act of 2020 S. 4117, Paycheck Protection Program Small Business Forgiveness Act H.R. 7777, Paycheck Protection Small Business Forgiveness Act H.R. 266, Paycheck Protection Program and Health Care Enhancement Act H.R. 8406, The Heroes Act H.R. 8265, To amend the Small Business Act and the CARES Act to establish a program for second draw loans and make other modifications to the paycheck protection program, and for other purposes. S. 4321, Continuing Small Business Recovery and Paycheck Protection Program Act COVID-19 relief related amendments to S. 178 Issues related to the Heal, Economic Assistance, Liability Protection and Schools Act Issues related to the Paycheck Protection Program Issues related to stimulus payments from Treasury to Americans Issues related to the Main Street Lending Program Issues related to OCC Fair Access Proposal Issues related to OCC Modeled Income Bipartisan Emergency COVID Relief Act of 2020 H.R. 133, Coronavirus Response and Relief Supplemental Appropriations Act Issues related to Student Loans Issues related to the reauthorization of the Higher Education Act Issues related to the CFPBs and Department of Educations actions on student lending Issues related to disclosures for federal student loans Legislation related to student loan refinancing programs Issues related to bankruptcy protections for student loans Issues related to federal student loan reform H.R. 1161 & S. 2015, The Student Loan Disclosure Modernization Act H.R. 811 & S. 234, Transparency in Student Lending Act H.R. 3621, Student Borrower Credit Improvement Act H.R. 3622, Restoring Unfairly Impaired Credit and Protecting Consumers Act H.R. 2674, the College Affordability Act H.R. 5294, Student Borrower Protection Act of 2019 H.R. 2648, Student Borrower Bankruptcy Relief Act of 2019 Issues related to AML-BSA Reform Issues related to FinCEN CDD Rule Issues related to Appropriations H.R. 264, Financial Services & General Government Appropriations Act, 2020 Issues related to guidance of Deposit Advance Products Issues related to the Fair Credit Reporting Act H.R. 3642, Improving Credit Reporting for All Consumers Act H.R. 953, To prohibit consumer reporting agencies from including adverse information in certain consumer reports, and from making adverse determinations relating to security clearances, with respect to certain individuals affected by the Government shutdown, and for other purposes. H.R. 1500, Consumers First Act Issues related to the Comprehensive Consumer Credit Reporting Reform Act of 2019 Issues related to the Community Reinvestment Act Issues related to the OCC, Federal Reserve, and FDIC modernization of the Community Reinvestment Act Issues related to financial regulatory coordination Issues related to SBA 7(a) Loan Program and fees H.R. 3614, Restricting Credit Checks for Employment Decisions Act H.R. 3618, Free Credit Scores for Consumer Act of 2019 H.R. 5050, the Veterans and Consumers Fair Credit Act Issues related to the Fair Housing Act Issues related to FinTech Issues related to the E-SIGN Act S. 4159, E-SIGN Modernization Act of 2020 Issues related to the OCC Innovation Pilot Program Issues related to the Bank Secrecy Act and Anti-Money Laundering Issues related to the Counter Terrorism & Illicit Finance Act H.R. 2513, the Corporate Transparency Act of 2019 H.R. 2514, the Coordinating Oversight, Upgrading and Innovating Technology, and Examiner Reform Act of 2019 S. 2563, the Improving Laundering Laws and Increasing Comprehensive Information Tracking of Criminal Activity in Shell Holdings Act H.R. 3375, The Stopping Bad Robocalls Act H.R. 1602/H.R. 2015/ S. 151, Telephone Robocall Abuse Criminal Enforcement and Deterrence Act or the TRACED Act Issues related to Parent Companies of Industrial Banks and Industrial Loan Companies Regulations: Equal Credit Opportunity issues, Regulation B, 12 CFR Part 1002 Home Mortgage Disclosure Act Issues, Regulation C, 12 CFR Part 1003 Fair Debt Collection Practices Issues, Regulation F, 12 CFR Part 1006 Privacy Issues, 12 CFR Parts 40, 216, 332, 1016 Fair Credit Reporting Issues, 12 CFR Parts 41, 171, 334, 1022 Real Estate Settlement Procedures Issues, Regulation X, 12 CFR Part 1024 Truth in Lending Issues, Regulation Z, 12 CFR Part 1026 Disclosure of Records and Information, 12 CFR Part 1070 Regulations related to the Dodd-Frank Act, Pub. L. No. 111-203 Issues related to the Higher Education Act Issues related to Telephone Consumer Protection Act, 47 U.S.C. 227 Issues related to Electronic Fund Transfer Act, regulation E, 15 U.S.C. 1693 Issues related to FDIC Deposit Insurance Issues related to the Paperwork Reduction Act Issues related to the Military Lending Act Community Reinvestment Act Regulations & Q&A issues Issues related to the Servicemembers Civil Relief Act Issues related to Small Business Act Issues related to FCC & FTC Do Not Call Registry Issues related to the Bank Secrecy Act and Anti-Money Laundering rules Issues related to the Counter Terrorism & Illicit Finance Act Issues related to the CFPB Request for Information Process Issues related to FinCEN Due Diligence Rule Truth in Saving - Regulation DD Issues related to the FDIC Brokered deposits Rule and Interest Rule Restrictions Reserve Requirements Of Depository Institutions Issues, Reg D, 12 CFE Part 204

Client expense: $1,170,000 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), Defense, Dept of (DOD), Education, Dept of, Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of

H.R. 457, Health Savings Account Act H.R. 603, Heath Savings Account Expansion Act H.R. 748, Middle Class Health Benefits Tax Repeal Act of 2019 H.R. 908, Stop Penalizing Work Seniors Act Green Amendment to H.R. 1500, Consumers First Act H.R. 1679, PHIT Act of 2019 H.R. 1922, Restoring Access to Medication Act of 2019 S. 1948 / H.R. 3709, Chronic Disease Management Act of 2019 H.R. 2108, Retirement Freedom Act H.R. 2163, Freedom for Families Act H.R. 2177, Faith in Health Savings Act of 2019 H.R. 3708, Primary Care Enhancement Act of 2019 H.R. 3796, Health Savings for Senior Act H.R. 3594, Healthcare Freedom Act H.R. 4130, Keeping HSAs Accessible Act of 2019 H.R. 4530, Native American Health Savings Improvement Act H.R. 5050, Veterans and Consumers Fair Credit Act H.R. 5332, the Protecting Your Credit Score Act of 2019 S. 12, Health Savings Act of 2019 S. 680, PHIT Act of 2019 S. 684, Middle Class Health Benefits Tax Repeal Act of 2019 S. 1030, Retirement Freedom Act S. 1089, Restoring Access to Medication Act S. 2440, Qualified Health Savings Account Distribution Act of 2019 S. 2441, Health Savings Account Expansion Act of 2019 S. 3112, Personalized Care Act of 2019 S. 3439, Lower Health Insurance Deductibles Act S. 3546/ H.R. 6338, Pandemic Healthcare Access Act S. 4039, To amend the Internal Revenue Code of 1986 to make permanent the permissible first-dollar coverage of telehealth services for purposes of health savings accounts. H.R. 5566, Patient Fairness Act of 2020 Sections 1776 and 1812 of H.R. 6395, William M. (Mac) Thornberry National Defense Authorization Act for Fiscal Year 2021 H.R. 8478, Online Accessibility Act

Client expense: $2,940,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of