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Financial Protections and Assistance for America’s Consumers, States, Businesses, and Vulnerable Populations Act
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Financial Protections and Assistance for America's Consumers, States, Businesses, and Vulnerable Populations Act This bill responds to the COVID-19 (i.e., coronavirus disease 2019) emergency and generally provides for financial assistance and other aid to individuals, businesses, and state and local governments for the duration of the emergency period. Among other things, the bill provides direct payments to individuals of up to $2,000 a month, subject to limits based on adjusted gross income; establishes digital wallets for individuals without bank accounts to receive such payments; provides for the suspension of specified housing and consumer loan payments, evictions, and foreclosures; creates financial assistance programs regarding housing, student loans, and utilities; establishes credit programs for small businesses, nonprofit organizations, farms, independent contractors, minority depository institutions, and community development financial institutions; authorizes funds for housing assistance, elderly assistance, and emergency production of medical supplies; and provides for investigation, oversight, and other requirements regarding COVID-19 aid. The bill also modifies existing provisions, including those regarding deposit insurance for transaction accounts, Federal Reserve Board purchases of municipal bonds, stock buybacks, required disclosures by issuers of securities, international aid programs, and agency guidance concerning pandemics and major disasters.
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Referred to the Committee on Financial Services, and in addition to the Committees on Ways and Means, Education and Labor, Small Business, the Judiciary, and Agriculture, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.
Introduced in House
Congress.gov source codes: 1000, Intro-H
Bills with similar content found using semantic analysis.
Sources: Congress.gov
2021 · second_quarter · Banking
Bill numberDescription of bill (briefly describe only the part were working on) 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 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. H.R. 68 Housing Fairness Act. This bill authorizes funds for HUD to prevent housing discrimination through the use of nationwide testing, increases funds for the Fair Housing Initiative Program, and provides grants to private entities to study housing discrimination. S. 404Coronavirus Housing Counseling Improvement Act. This bill provides funding for the Neighborhood Reinvestment Corporation (NeighborWorks) to support housing counseling services for homeowners, renters, people experiencing/risk of homelessness navigate housing options and rights during the COVID-19 crisis. Bill also requires that no less than 40% of the $700 million fund is targeted to counseling organizations that serve minority and low-income homeowners and renters. H.R. 782Homeownership for DREAMers Act. This bill prohibits federal mortgage providers from limiting insurance eligibility on the basis of the mortgagor's participation in the Deferred Action for Childhood Arrivals Program. S. __Mapping Housing Discrimination Act. To authorize a grant program for educational institutions to analyze, digitize, and map historic records relating to housing discrimination. S. 787American Housing and Economic Mobility Act. This bill supports affordable housing and fair housing by investing in various housing programs (National Housing Trust Fund, CDBG, etc), providing down payment assistance, and expanding the Fair Housing Act's proteections. H.R. __Downpayment Toward Equity Act. This bill provides downpayment assistance to first-generation homebuyers to address multigeneration inequities in access to homeownership. H.R. __Making appropriations for the Departments of Transportation, and Housing and Urban Development, and related agencies for the fiscal year ending September 30, 2022, and for other purposes. HR 2547 Comprehensive Debt Collection Improvement Act. The Act is comprised of eight bills that would collectively enact critical debt collection reforms aimed at protecting vulnerable consumers It has passed the House, but hasn't been taken up in the Senate yet. We worked to craft the language of the omnibus bill alongside national partners S.J.Res 15 / H.J.Res 35A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Office of the Comptroller of Currency relating to "National Banks and Federal Savings Associations as Lenders". H.R. __Housing is Infrastructure Act, authorizes additional funding for various housing assistance programs. H.R. 816Restoring Communities Left Behind, makes $5 billion available to local communities through a grant program administered by the Department of Housing and Urban Development in order to fund neighborhood revitalization activities including homeowner rehabilitation assistance, weatherization, improved housing accessibility for seniors and people with disabilities, housing counseling, refinancing, property tax relief, and more H.R. ___Close the Industrial Loan Company Loophole Act H.R. 4277Overdraft Protection Act of 2021 H.R. ___ & S. _____Veterans and Consumer Fair Credit Act [likely to be reintroduced?] HR 2689/S 1255 - Minority Business Resiliency Act HR 2540/S. 1119 - Small Business Lending Fairness Act H.R.3968 -Municipal IDs Acceptance Act H.R. 1502 - The Microloan Improvement Act of 2021 H.R. 1487 - Microloan Transparency and Accountability Ac
Client expense: $110,000 · 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
2021 · first_quarter · Banking
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 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. H.R. 68 Housing Fairness Act. This bill authorizes funds for HUD to prevent housing discrimination through the use of nationwide testing, increases funds for the Fair Housing Initiative Program, and provides grants to private entities to study housing discrimination. S. 404Coronavirus Housing Counseling Improvement Act. This bill provides funding for the Neighborhood Reinvestment Corporation (NeighborWorks) to support housing counseling services for homeowners, renters, people experiencing/risk of homelessness navigate housing options and rights during the COVID-19 crisis. Bill also requires that no less than 40% of the $700 million fund is targeted to counseling organizations that serve minority and low-income homeowners and renters. H.R. 3154Homeownership for DREAMers Act. This bill prohibits federal mortgage providers from limiting insurance eligibility on the basis of the mortgagor's participation in the Deferred Action for Childhood Arrivals Program. S. __Mapping Housing Discrimination Act. To authorize a grant program for educational institutions to analyze, digitize, and map historic records relating to housing discrimination. S. 787American Housing and Economic Mobility Act. This bill supports affordable housing and fair housing by investing in various housing programs (National Housing Trust Fund, CDBG, etc), providing down payment assistance, and expanding the Fair Housing Act's proteections. H.R. __Downpayment Toward Equity Act. This bill provides downpayment assistance to first-generation homebuyers to address multigeneration inequities in access to homeownership. HR 1319 - American Rescue Plan Act of 2021 - This bill provides additional relief to address the continued impact of COVID-19 (i.e., coronavirus disease 2019) on the economy, public health, state and local governments, individuals, and businesses. H. Res. 100 - This resolution calls on the President to take executive action to cancel up to $50,000 in federal student loan debt for borrowers. Further, it encourages the President to (1) ensure that borrowers have no tax liability from the debt cancellation, (2) ensure that the debt cancellation helps close racial wealth gaps, and (3) pause student loan payments and interest accumulation on federal student loans for the duration of the COVID-19 (i.e., coronavirus disease 2019) pandemic. S. 355 - COVID-19 Medical Debt Collection Relief Act - This bill temporarily limits certain activities to collect medical debts by health care providers that apply for, or accept, COVID-19 (i.e., coronavirus 2019) financial relief. S. 210 - Protecting Job Opportunities for Borrowers Act - This bill prohibits a state from suspending, revoking, or denying a state-issued driver's license, teaching license, or professional license based solely on an individual's default or delinquency on a federal student loan or health education loan. Further, an aggrieved individual may bring a civil action against a state for violations. HR 166 - Fair Lending for All Act - This bill modifies provisions related to prohibited credit discrimination. S 3389 - Expanding Access to Lending Options Act - This bill allows the National Credit Union Administration Board to increase the federal credit union loan maturity cap from 15 to 20 years. HR__, the Small Business Fairness Lending Act HR 1491, the Fair Debt Collection Practices for Servicemembers Act - This bill prohibits a debt collector from representing to service members that failure to cooperate with a debt collector will result in a reduction of rank, a revocation of security clearance, or military prosecution. The Government Accountability Office must report on the impact of this prohibition on the timely delivery of information to service members, military readiness, and national security. HR 2498, the Private Loan Disability Discharge Act - A legislative analyst in the Congressional Research Service will begin analyzing this legislation after text becomes available. HR 2537, the Consumer Protection for Medical Debt Collections Act - To amend the Fair Debt Collection Practices Act to provide a timetable for the collection of medical debt by debt collectors, to amend the Fair Credit Reporting Act to prohibit consumer reporting agencies from issuing consumer reports containing information about debts related to medically necessary procedures, and for other purposes. HR 1657, the Ending Debt Collection Harassment Act - To amend the Consumer Financial Protection Act of 2010 and the Fair Debt Collection Practices Act to improve consumer protections relating to debt collection practices, and for other purposes HR 2572, the Stop Debt Collection Abuse Act - To amend the Fair Debt Collection Practices Act to restrict the debt collection practices of certain debt collectors. HR __, the Debt Collection Practices Harmonization Act - This bill applies certain consumer protections regarding debt collection to debt owed to a state. It also specifies that existing limits on civil damages awarded for abusive practices by a debt collector must be adjusted for inflation. HR 2458, the Non-Judicial Foreclosure Debt Collection Clarification Act - To amend the Fair Debt Collection Practices Act to clarify that the definition of a debt collector includes, in all cases, a person in a business the principal purpose of which is the enforcement of security interests.
Client expense: $90,000 · 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
2020 · fourth_quarter · Banking
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
2020 · fourth_quarter · Banking
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
2020 · fourth_quarter · Banking
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)
2020 · fourth_quarter · Banking
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 and credit reporting. 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 reporting. HR 6321 The Financial Protections and Assistance for Americas Consumers, States, Businesses, and Vulnerable Populations Act, all provisions relating to credit reporting. HR 5332 Protecting Your Credit Score Act of 2020,all provisions relating to credit reporting. 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 modification and credit reporting. HR 5050 Veterans and Consumers Fair Credit Act, all provisions relating to interest rate caps and credit card interchange. HR 2930/S 1389 Loan Shark Prevention Act, all provisions relating to credit rate caps. Issues pertaining to the implementation of PL 111-24 Credit Card Accountability Responsibility and Disclosure Act of 2009, all provisions.
Client expense: Not reported · Firm income: $30,000
2020 · fourth_quarter · Consumer Issues/Safety/Products
Issues related the Consumer Financial Protection Bureau Fair Debt Collection Practices Act rulemaking Issues related to the Consumer Financial Protection Bureau complaint database Issues related to the Consumer Financial Protection Bureau Request for Information process Issues related to medical debt Issues related to student lending S.187 CFPB-IG Act - To require Senate confirmation of the Inspector General of the Bureau of Consumer Financial Protection, and for other purposes. H.R.969 - Bring the Bureau of Consumer Financial Protection into the regular appropriation process, and for other purposes H.R.969 - TABS Act of 2019 - To amend the Consumer Financial Protection Act of 2010 to bring the Bureau of Consumer Financial Protection into the regular appropriations process, and for other purposes. S.453 - Consumer Financial Protection Bureau Accountability Act of 2019 - To amend the Consumer Financial Protection Act of 2010 to subject the Bureau of Consumer Financial Protection to the regular appropriations process, and for other purposes. H.R. 3198 - Comprehensive Regulatory Review Act - To amend the Economic Growth and Regulatory Paperwork Reduction Act of 1996 to ensure that Federal financial regulators perform a comprehensive review of regulations to identify outdated or otherwise unnecessary regulatory requirements imposed on covered persons, and for other purposes. H.R. 3490 - the Small Business Lending Fairness Act - To amend TILA to prohibit anyone from extending credit pursuant to a confession of judgement provision, warrant of attorney, or any other waiver of right to be heard in a lawsuit to collect the debt. H.R. 3948 - the Debt Collection Practices Harmonization Act - To amend the FDCPA to extend the provisions of that Act to cover a debt collector who is collecting debt owed to a State or local government, to index award amounts under such Act for inflation, to provide for civil injunctive relief for violations of such Act, and for other purposes. H.R. 4403 - the Stop Debt Collection Abuse Act - To amend the FDCPA to apply to debt buyers and to collectors of debt owed by a consumer to a federal agency that is 180 days or more past due; to limit fees a collector can collect for such debt to fees that are "reasonable in relation to the actual cost of collection;" that are authorized by the collector's contract wit the federal agency to collect that debt; and are not greater than 10% of the debt to be collected. H.R. 4664 - Monitoring and Curbing Abusive Debt Collection Practices Act - To amend the Consumer Financial Protection Act to prohibit the CFPB from issuing rules pursuant to the FDCPA that would allow a debt collector to send unlimited email and text messages to a consumer. H.R. 5001 - Non-Judicial Foreclosure Debt Collection Clarification Act - To amend the definition of debt collector under the FDCPA to include any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests. H.R. 5003 - Fair Debt Collection Practices for Servicemembers Act - To amend the FDCPA to prohibit debt collectors from communicating with the commanding officer or officer in charge of any servicemember regarding an outstanding debt or the location of the servicemember; and to prohibit debt collectors from stating to a servicemember that failure to cooperate will result in prosecution on the Uniform Code of Military Justice. H.R. 5013 - Small Business Fair Debt Collection Protection Act - To amend the FDCPA to apply to the collection of "small business debts" meaning non-equity obligations less than $5 million. H.R. 5021 - Ending Debt Collection Harassment Act of 2019 - To amend the FDCPA to prohibit the CFPB from issuing a final rule on debt collection that allows unlimited electronic communications, including email or texts, from debt collectors to consumers; to prohibit collectors from contacting consumers via email or text message after a consumer has withdrawn their consent from receiving communications through these mediums or contacting them via email or text more frequently than as agreed to by the consumer; and to require collectors to send a consumer a notice of debt within five days after the initial communication with the consumer in connection with collecting a debt, even if the statutorily-required information was included in the initial communication. To amend the Consumer Financial Protection Act to require rules issued by the CFPB pursuant to the FDCPA must require collectors to obtain a consumers prior consent to contact them in any method other than via postal mail or telephone; to prohibits rules issued by the CFPB pursuant to the FDCPA from waiving compliance with the ESIGN Act; and to require rules issued by the CFPB pursuant to the FDCPA must allow consumers to opt-out of any method of communication and to withdraw prior consent to modes of communication. H.R. 5034 - Fair Debt Collection Improvement Act - To amend the FDCPA to prohibit debt collectors from collecting, or attempting to collect, on a debt of a consumer with respect to which the statute of limitations has expired, and for other purposes. H.R. 5287 - Fair Student Loan Debt Collection Practice Act - To amend the FDCPA to prohibit debt collectors from attempt to collect a federal student loan debt (meaning a loan made, insured or guaranteed under Title IV) during the period when the borrower would not be required to make a payment under an income-drive repayment plan. H.R. 5330 - Consumer Protections for Medical Debt Collections Act - To amend the FDCPA and FCRA to require a debt collector and furnishers to CRAs to provide written notices to consumers about restrictions on reporting medical debt, to refrain from reporting medical debt for over 1 year and to never report certain medical debt, and imposing a 2-year waiting period to colloect certain medical debt. S.3508 - A bill to amend the Fair Credit Reporting Act - to provide for disaster protection for workers' credit. H.R. 6321- Financial Protections and Assistance for Americas Consumers, States, Businesses, and Vulnerable Populations Act during the COVID-19 emergency and to recover from the emergency S. 3565 - A bill to amend the Fair Debt Collection Practices Act (FDCPA) during a major disaster or emergency-such as the current COVID-19 pandemic HR 748 - CARES Act - To provide emergency assistance and health care response for individuals, families, and businesses affected by the 2020 coronavirus pandemic. S.3548 - CARES Act - To provide emergency assistance and health care response for individuals, families, and businesses affected by the 2020 coronavirus pandemic. H.R.6800 - The Heroes Act S. 1624 - HEALS Act S. 4186 - Driving for Opportunities Act of 2020
2020 · third_quarter · Banking
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.6363 Student 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.
2020 · third_quarter · Banking
Issues related to credit union operations Issues related to credit union field of membership Issues related to credit union service organization Issues related to vacancies on the National Credit Union Administration (NCUA) Board Issues related to NCUA's low income designation regulations Issues related to NCUA examination procedures Issues related to NCUA's regulation regarding its regulatory emergency liquidity Issues related to NCUA's rulemaking process Issues related to NCUA's Advanced Notice of Proposed Rulemaking on Alternative Capital Issues related to NCUA's regulatory review process Issues related to Federal Credit Union Bylaws Issues related to credit union loan maturity restrictions Issues related to credit union investment authority Issues related to Regulation of Federal Credit Union By-laws Issues related to credit unions' incidental powers Issues related to credit unions ability to offer prepaid cards Issues related to credit union service to marijuana businesses Issues related to material loss reports of the NCUA Office of Inspector General Issues related to the regulation of corporate credit unions Issues related to the use of Eminent Domain to Seize Performing Mortgage Loans Issues related to fixed assets Issues related to credit union conversions Issues related to credit union call report modernization Issues related to NCUA's Corporate Credit Union Stabilization Plan Issues related to NCUA's budget and the overhead transfer rate Issues related to Credit Union Service Organizations (CUSO) Issues related to the authority of the CFPB to exempt credit unions from its rulemaking Issues related to the CFPB rule to remittances and international wire transfers Issues related to CFPB's Leadership Structure and Installing a Board rather than a Director Issues related to codifying the CFPB's Credit Union Advisory Council Issues related to requiring SBREFA Panels for CFPB Rulemakings Issues related to overdraft protection and check ordering practices Issues related to mortgage servicing Issues related to mortgage loan originator compensation and qualifications Issues related to the CFPB's rule regarding qualified mortgage / ability to repay Issues related to the CFPB's regulation on Home Mortgage Disclosure Act (Regulation C) Issues related to the CFPB's regulation on Truth-In-Lending Act / Real Estate Settlement Procedures Act Integrated Disclosures Issues related to the payday, vehicle title, and similar lending Issues related to short term lending products and advance deposit products Issues related to the CFPB's consumer complaint database Issues related to the Department of Justice's investigation entitled, "Operation Choke Point" Issues related to the Department of Defenese Poposal regarding Credit Extending to Service Members under MLA Issues related to indirect auto lending Issues related to credit union service to unbanked and underbanked consumers Issues related to the Financial Accounting Standards Board (FASB) Issues related to data and cyber security Issues related to mobile banking and mobile payments Issues related to identity theft and fraud reduction Issues related to secure payments Issues related to merchant data breaches Issues related to the payments system Issues related to Federal Reserve Regulation D Issues related to the Fed's implementation of same-day ACH Issues related to the Bank Secrecy Act and Currency Transaction Reporting Requirements Issues related to the oversight of the Federal Housing Administration Issues related to the USDA Rural Development Loan Program Issues related to the Federal Home Loan Bank System Issues related to Fannie Mae Capital Issues related to membership eligibility in the Federal Home Loan Bank System Issues related to financial literacy Issues related to Housing Finance Reform Issues related to student lending Issues related to the Economic Growth and Regulatory Paperwork Reduction Act process Issues related to retirement security Issues related to flood insurance Issues related to consumer's access to records Issues related to economic growth Issues related to Interchange Fees Issues related to the Equal Credit Opportunity Act Issues related to the Fair Housing act Issues related to the merger of credit unions Issues related to the Real Estate Settlement Procedures Act Issues related to Community Reinvestment Act Issues related to Regulation Z Issues related to Military Lending Act Issues related to Financial Technology Issues related to Small Business Lending Data Collection requirements Issues related to Involuntary liquidation of Federal Credit Unions and Claims procedures Issues related to Web-Based Quantitative Testing of Point of Sale / ATM Overdraft Disclosure Forms Issues related to residential appraisals Issues related to FHA appraisal certification Issues related to FHA and USDA Loan Modifications Issues related to payments innovation Issues related to Faster Payments Issues related to the Fair Credit Reporting Act Issues related to cooperative funding sources in federal appropriations legislation Issues related to debt collection requirements Issues related to capital reform for credit unions Issues related to procurement reform for private voluntary organizations Issues related to Federal Credit Union Charter Modernization Issues related to diversity and inclusion in Financial Services Issues related to Section 124 of the Federal Credit Union Act Issues related to NCUA's Fidelity Bonds Proposed Rule Issues related to the Consumer Financial Protection Bureau's No-Acton Letters and the BCFP Product Sandbox Issues related to the Consumer Financial Protection Bureau's proposal to extend the Payday Rule's compliance daedline Issues related to enterprise validation and approval of credit score models Issues related to the availability of Funds and Collection of Checks (Regulation CC) Issues related to arbitration clauses Issues related to SBA 79(a) loan program Issues related to financial institutions operating on military installations Issues related to postal banking Issues related to robocalls and the Stopping Bad Robocalls Act Issues related to financial technology (FINTECH) Issues related to the Consumer Financial Protection Bureau Payday Rule Issues related to appraisals Issues related to student lending Issues related to robocalls and the draft Declaratory Ruling (the ruling) and Third Further Notice of Proposed Rulemaking (FNPRM) CG Docket No 17-59, WC Docket No. 17-97 Issues related to FY 2020 Foreign Assistance Budget and Policy Priorities Issues related to payday and small dollar lending Issues related to leases of non-excess property on military bases Issues related to Opportunity Zones Issues related to minority homeownership Issues related to permit Federal Credit Unions to establish their own fiscal year Issues related to striking a requirement that Federal credit unions file certain information regarding loan officers Issues related to enhance flexibility of Federal Credit Unions to schedule board meetings Issues related to remove certain outdated responsibilities of Federal credit union board of directors Issues related to permit Federal credit unions to expel disruptive members for just cause without a vote Issues related to permit balloting for conversions from state to federal charter and from federal to state charter to be conducted electronically Issues related to the draft bill improving Laundering Laws and Increasing Comprehensive Information Issues related to tracking of Criminal Activity in Shell Holding (ILLICIT CASH Act) Issues related to PACE loans Issues related to Consumer Financial Protection Bureau's HMDA reporting thresholds Issues on NCUA Executive compensation rules Issues related to business access to financial services Issues related to Strengthening Cybersecurity for the Financial Sector Act of 2019 Issues related to minority depository institutions Issues related to the Federal Reserve's Faster Payments Proposal Issues related to AI and cloud computing Issues related to the Consumer Online Privacy Rights Act Issues related to Credit Union Board Meeting Frequency Issues related to COVID-19 crisis response legislation Issues related to the regulation of overtime Issues related to the Paycheck Protection Program Issues related to Taxi Medallion loans Issues related to essential services designation for financial services during COVID-19 Issues related to QRM Risk Retention review Issues related to NCUA's proposed rule on Combination transactions Issues related to the Freezing Assets of Suspected Terrorist and Enemy Recruits Act of 2020 Issues related to the regulation of credit unions as employers Issues related to liability protections for businesses Issues related to remote notary Issues related to Federal Home Loan Bank liquidity Issues related to digital identity legislation Issues related to Paid Leave Payroll Tax Credits Issues related to the Central Liquidity Facility (CLF) Issues related to Economic Impact Payments Issues related to Fed Accounts Issues related to the Federal Reserve's Main Street Lending Program Issues related to the legislation to temporarily halt the Federal financial regulators from carrying out rulemakings unrelated to the COVID-19 emergency until the end of such emergency Issues related to troubled debt restructuring Issues related to Prompt Corrective Action requirements Issues related to NCUA subordinated debt rulemaking Issues related to Uniform Residential Loan application Issues related to digitalization of money Issues related to electronic signatures on wire transfer documents Issues related to cybercriminal activity during COVID-19 Issues related to lender forbearance Issues related to Paycheck Protection Program forgiveness process Issues related to Agriculture Lending Issues related to Fair Debt Collection Practices Act Issues related to Diversity in Financial Regulatory Advisory Committees Act Issues related to Federal Home Loan Bank Board Diversity Act Issues related to Federal Reserve Bank Board Diversity Act Issues related to the FHFA market fee increase Issues related to OCC payment charters Issues related to the Student Empowerment and Financial Literacy Act Issues related to provision 4013 of the Coronavirus Aid, Relief and Economic Security Act Issues related to setting an American Framework to Ensure Data Access, Transparency and Accountability Issues related to Tax provisions in the CARES Act Issues related to the Federal Reserve on FedNOW Issues related to support of legislation to create CDFI National Crisis Fund Issues related to OCC National Bank and Savings Association Digital Activities Issues related to FHFA's proposed Adverse Market Refinance Fee Issues related to the treatment of certain COVID-19 Loss Mitigation options under RESPA (Reg X) Issues related to the NCUA 2020 Regulatory Review H.R. 266, Paycheck Protection Program and Healthcare Enhancement Act H.R. 388, the Financial Reporting Threshold Modernization Act H.R. 442, to amend the Consumer Financial Protection Act of 2010 to extend the supervisory authority of the Bureau of Consumer Financial Protection to include assessing compliance with the Military Lending Act H.R. 748, the Coronavirus Aid, Relief, and Economic Security Act, Title I and Secs. 4008, 4012, 4014 of Title IV H.R.1039, to streamline requirements for currency transaction reports and suspicious activity reports and for other purposes H.R. 1158, the FY2020 Consolidated Appropriations Act (funding for the CDFI Fund as well as the Community Development Revolving Loan Fund) H.R. 1500, the Consumers First Act H.R. 1595, the Secure and Fair Enforcement (SAFE) Banking act of 2019 H.R. 1661, to provide the National Credit Union Administration Board flexibility to increase Federal credit Union loan maturities, and for other purposes H.R. 1737, the American Housing and Economic Mobility Act of 2019 H.R. 1865, FY2020 Further Consolidated Appropriations Act (funding for the Cooperative Development Program, tax extenders, repeal of "parking tax") H.R. 1957, the Taxpayers First Act of 2019 H.R. 2093, to amend the Controlled Substances Act to provide for a new rule regarding the application of the Act of marijuana, and for other purposes H.R. 2157, Supplemental Appropriations Act of 2019 H.R. 2162, Housing Financial Literacy Act of 2019 H.R. 2290, Shutdown Guidance for Financial Institutions Act H.R. 2305, Veterans Members Business Loan Act H.R. 2445, Self-Employed Mortgage Access Act H.R. 2500, National Defense Authorization Act for Fiscal Year 2020 H.R. 2513, Corporate Transparency Act of 2019 H.R. 2514, Coordinating Oversight, Upgrading and Innovating Technology, and Examiner Reform Act of 2019 H.R. 2740, the State and Foreign Operations and Related Programs Appropriations Act H.R. 2852, Homebuyer Assistance Act of 2019 H.R. 3055, Further Continuing Appropriations Act, 2020, flood insurance provision H.R. 3111, National Flood Insurance Program Administration Reform Act of 2019 H.R. 3167, National Flood Insurance Program Re-authorization Act of 2019 H.R. 3182, Current Expected Credit Loss Consumer Impact and Study Bill of 2019 H.R. 3198, the Comprehensive Regulatory Review Act H.R. 3300, the Economic Mobility Act of 2019 H.R. 3301, the Taxpayer Certainty and Disaster Tax Relief Act of 2019 H.R. 3351, Financial Services and General Government Appropriations Act of 2020 H.R. 3375, the Stopping Bad Robocalls Act H.R. 4458, Cybersecurity and Financial System Resilience Act H.R. 4464, Monitoring and Curbing Abusive Debt Collection Clarification Act H.R. 4565, the Responsible Accounting Standards Act of 2019 H.R. 5001, Non-Judicial Foreclosure Debt Collection Clarification Act H.R. 5013, Small Business Fair Debt Collection Protection Act H.R. 5050, Veterans and Consumers Fair Credit Act H.R. 5132, Gun Violence Prevention through Financial Intelligence Act H.R. 5315, Expanding Opportunities for Minority Depository Institutions Act H.R. 5322, Ensuring Diversity in Community Banking Act of 2019 H.R. 5332, Protecting your Credit Score Act of 2019 H.R. 5332, Protection your Credit Score Act of 2019, Sec. 5 H.R. 5513, the Expanding Opportunities for Minority Depository Institutions Act H.R. 5981, Credit Union Board Modernization Act H.R. 6074, Coronavirus Preparedness and Response Supplemental Appropriations Act H.R. 6116, the Consumer Financial Protection Commission Act of 2020 H.R. 6201, the Families First Coronavirus Response Act, paid and sick leave provisions H.R. 6321, the Financial Protections and Assistance for America's Consumers, States, Businesses, and Vulnerable Populations Act H.R. 6395, National Defense Authorization Act for Fiscal Year 2021 H.R. 6423, to provide a temporary debt collection moratorium during the COVID-19 emergency period, and for other purposes H.R. 6550, Access to Credit for Small Businesses Impacted by the COVID-19 Crisis Act of 2020 H.R. 6551, the CARES Act Section 4014, Technical Corrections Act H.R. 6729, the COVID-19 Homeowner Assistance Fund Act H.R. 6735, the COVID-19 Fraud Prevention Act H.R. 6736, the Protect Rural Renters Act of 2020 H.R. 6741, the COVID-19 Mortgage Relief Act H.R. 6789, Access to Credit for Small Businesses Impacted by the COVID-19 Crisis Act of 2020 H.R. 6790, the Business Borrowers Protection Act H.R. 6800, Health and Economic Recovery Omnibus Emergency Solutions (HEROES) Act of 2020 H.R. 6820, the Emergency Rental Assistance and Rental Market Stabilization Act of 2020 H.R. 6861, Paycheck Protection Program Data and Diversity Accountability Act of 2020 H.R. 6873, the Emergency Housing Assistance for Older Adults Act of 2020 H.R. 6874, Paycheck Protection Program Transparency Act of 2020 H.R. 7084, the Emergency Housing Voucher Act of 2020 H.R. 7617, Defense, Commerce, Justice, Science, Energy and Water Development, Financial Services and General Government, Labor, Health and Human Services, Education, Transportation, Housing and Urban Development Appropriations Act of 2021 H.R. 7777, Paycheck Protection Small Business Forgiveness Act H.R. 7963, Credit Union Governance Modernization Act of 2020 H.R. 8160, Promoting Diversity and Inclusion in Banking Act of 2020 H.Res 275, Supporting the goals and ideals of "Financial Literacy Month" H.Res 327, Encouraging greater public-private sector collaboration to promote financial literacy for students and young adults H.Res 328, Supporting the protection of elders through financial literacy H. Res 602, Support of resolution in support of cooperatives S. 151, Telephone Robocall Abuse Criminal Enforcement and Deterrence Act S. 787, the American Housing and Economic Mobility Act of 2019 S. 1028, Strengthening the Tenth Amendment through Entrusting States (STATES Act) S. 1200, Secure and Fair Enforcement Banking Act of 2019 (SAFE Act) S. 1564, Continued Encouragement for Consumer Lending Act S. 1624, HEALS Act S. 2524, the Financial Services and General Government Appropriations Act of Fiscal Year 2020 S. 2563, The Improving Laundering Laws and Increasing Comprehensive Information S. 2583, the State-Foreign Operations and Related Programs Appropriations Act for FY2020 S. 2833, Veterans and Consumers Fair Credit Act of 2019 S. 2834, Veterans member Business Loan Act S. 3003, the Financial Institution Customer Protection Act S. 3032, Strengthening the Tenth Amendment Through Entrusting States S. 3323, Credit Union Governance Modernization Act of 2020 S. 3326, Credit Union Modernization Act of 2019 S. 3389, Expanding Access to Lending Options Act S. 3533, the Securing and Enabling Commerce Using Remote and Electronic (SECURE) S. 3548, Coronavirus Aid, Relief, and Economic Security act, payroll tax provisions S. 3571, the Financial Protections and Assistance for America's Consumers, States, Businesses, and Vulnerable Populations Act S. 3620, A Bill to establish a Housing Assistance Fund at the Department of Treasury S. 3676, Access to Credit for Small Businesses Impacted by the COVID-19 Crisis Act of 2020 S. 4049, National Defense Authorization Act for Fiscal Year 2021 S. 4116, to extend the authority for commitments for the paycheck protection program and separate amounts authorized for other loans under section 7(a) of the Small Business Act, and for other purposes S. 4117, Paycheck Protection Small Business Forgiveness Act S. 4159 the E-SIGN Modernization Act of 2020 S. 4317, the SAFE to WORK Act S. 4430, CDFI Crisis Fund Act Sec. 2821 of S. 1790, the National Defense Authorization Act of FY 2020
2020 · third_quarter · Consumer Issues/Safety/Products
Issues related the Consumer Financial Protection Bureau Fair Debt Collection Practices Act rulemaking Issues related to the Consumer Financial Protection Bureau complaint database Issues related to the Consumer Financial Protection Bureau Request for Information process Issues related to medical debt Issues related to student lending S.187 CFPB-IG Act - To require Senate confirmation of the Inspector General of the Bureau of Consumer Financial Protection, and for other purposes. H.R.969 - Bring the Bureau of Consumer Financial Protection into the regular appropriation process, and for other purposes H.R.969 - TABS Act of 2019 - To amend the Consumer Financial Protection Act of 2010 to bring the Bureau of Consumer Financial Protection into the regular appropriations process, and for other purposes. S.453 - Consumer Financial Protection Bureau Accountability Act of 2019 - To amend the Consumer Financial Protection Act of 2010 to subject the Bureau of Consumer Financial Protection to the regular appropriations process, and for other purposes. H.R. 3198 - Comprehensive Regulatory Review Act - To amend the Economic Growth and Regulatory Paperwork Reduction Act of 1996 to ensure that Federal financial regulators perform a comprehensive review of regulations to identify outdated or otherwise unnecessary regulatory requirements imposed on covered persons, and for other purposes. H.R. 3490 - the Small Business Lending Fairness Act - To amend TILA to prohibit anyone from extending credit pursuant to a confession of judgement provision, warrant of attorney, or any other waiver of right to be heard in a lawsuit to collect the debt. H.R. 3948 - the Debt Collection Practices Harmonization Act - To amend the FDCPA to extend the provisions of that Act to cover a debt collector who is collecting debt owed to a State or local government, to index award amounts under such Act for inflation, to provide for civil injunctive relief for violations of such Act, and for other purposes. H.R. 4403 - the Stop Debt Collection Abuse Act - To amend the FDCPA to apply to debt buyers and to collectors of debt owed by a consumer to a federal agency that is 180 days or more past due; to limit fees a collector can collect for such debt to fees that are "reasonable in relation to the actual cost of collection;" that are authorized by the collector's contract wit the federal agency to collect that debt; and are not greater than 10% of the debt to be collected. H.R. 4664 - Monitoring and Curbing Abusive Debt Collection Practices Act - To amend the Consumer Financial Protection Act to prohibit the CFPB from issuing rules pursuant to the FDCPA that would allow a debt collector to send unlimited email and text messages to a consumer. H.R. 5001 - Non-Judicial Foreclosure Debt Collection Clarification Act - To amend the definition of debt collector under the FDCPA to include any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests. H.R. 5003 - Fair Debt Collection Practices for Servicemembers Act - To amend the FDCPA to prohibit debt collectors from communicating with the commanding officer or officer in charge of any servicemember regarding an outstanding debt or the location of the servicemember; and to prohibit debt collectors from stating to a servicemember that failure to cooperate will result in prosecution on the Uniform Code of Military Justice. H.R. 5013 - Small Business Fair Debt Collection Protection Act - To amend the FDCPA to apply to the collection of "small business debts" meaning non-equity obligations less than $5 million. H.R. 5021 - Ending Debt Collection Harassment Act of 2019 - To amend the FDCPA to prohibit the CFPB from issuing a final rule on debt collection that allows unlimited electronic communications, including email or texts, from debt collectors to consumers; to prohibit collectors from contacting consumers via email or text message after a consumer has withdrawn their consent from receiving communications through these mediums or contacting them via email or text more frequently than as agreed to by the consumer; and to require collectors to send a consumer a notice of debt within five days after the initial communication with the consumer in connection with collecting a debt, even if the statutorily-required information was included in the initial communication. To amend the Consumer Financial Protection Act to require rules issued by the CFPB pursuant to the FDCPA must require collectors to obtain a consumers prior consent to contact them in any method other than via postal mail or telephone; to prohibits rules issued by the CFPB pursuant to the FDCPA from waiving compliance with the ESIGN Act; and to require rules issued by the CFPB pursuant to the FDCPA must allow consumers to opt-out of any method of communication and to withdraw prior consent to modes of communication. H.R. 5034 - Fair Debt Collection Improvement Act - To amend the FDCPA to prohibit debt collectors from collecting, or attempting to collect, on a debt of a consumer with respect to which the statute of limitations has expired, and for other purposes. H.R. 5287 - Fair Student Loan Debt Collection Practice Act - To amend the FDCPA to prohibit debt collectors from attempt to collect a federal student loan debt (meaning a loan made, insured or guaranteed under Title IV) during the period when the borrower would not be required to make a payment under an income-drive repayment plan. H.R. 5330 - Consumer Protections for Medical Debt Collections Act - To amend the FDCPA and FCRA to require a debt collector and furnishers to CRAs to provide written notices to consumers about restrictions on reporting medical debt, to refrain from reporting medical debt for over 1 year and to never report certain medical debt, and imposing a 2-year waiting period to colloect certain medical debt. S.3508 - A bill to amend the Fair Credit Reporting Act - to provide for disaster protection for workers' credit. H.R. 6321- Financial Protections and Assistance for Americas Consumers, States, Businesses, and Vulnerable Populations Act during the COVID-19 emergency and to recover from the emergency S. 3565 - A bill to amend the Fair Debt Collection Practices Act (FDCPA) during a major disaster or emergency-such as the current COVID-19 pandemic HR 748 - CARES Act - To provide emergency assistance and health care response for individuals, families, and businesses affected by the 2020 coronavirus pandemic. S.3548 - CARES Act - To provide emergency assistance and health care response for individuals, families, and businesses affected by the 2020 coronavirus pandemic. H.R.6800 - The Heroes Act S. 1624 - HEALS Act
2020 · third_quarter · Banking
HR 7616 Consolidated Appropriations Act for FY2021, Division D: Financial Services and General Government Appropriations Act, all provisions relating to credit card interchange. HR 6395/S 4094 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 reporting. HR 6800 Health and Economic Recovery Omnibus Emergency Solutions Act, all provisions relating to credit reporting. HR 6321 The Financial Protections and Assistance for Americas Consumers, States, Businesses, and Vulnerable Populations Act, all provisions relating to credit reporting. HR 5332 Protecting Your Credit Score Act of 2020,all provisions relating to credit reporting. 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 modification and credit reporting. HR 5050 Veterans and Consumers Fair Credit Act, all provisions relating to interest rate caps and credit card interchange. HR 2930/S 1389 Loan Shark Prevention Act, all provisions relating to credit rate caps. Issues pertaining to the implementation of PL 111-24 Credit Card Accountability Responsibility and Disclosure Act of 2009, all provisions.
Client expense: Not reported · Firm income: $30,000
2020 · second_quarter · Banking
H.R.6379Take 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.3565Small Business and Consumer Debt Collection Emergency Relief Act of 2020 - To amend the Fair Debt Collection Practices Act to provide additional protections for consumers and small business owners from debt collection during a major disaster or emergency. S.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.6363 Student Debt Emergency Relief Act HR 3182To require the Securities and Exchange Commission and certain Federal agencies to carry out a study relating to accounting standards, and for other purposes. 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. 3674the College Affordability Act, a bill to lower the costs of college for students and improve the quality of education H.J.Res.76Providing 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 2833To 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. XXXamends the Fair Credit Reporting Act to delay the inclusion in consumer credit reports and to establish requirements for debt collectors with respect to medical debt information of veterans due to inappropriate or delayed billing payments or reimbursements from the Department of Veterans Affairs, and for other purposes H.R. XXXXProtecting 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%.) HR 5050 / s 2833To 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. 3841To protect 2020 recovery rebates for individuals from assignment or garnishment, and for other purposes. S. 3620To establish aHousingAssistanceFundat 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. 6741COVID-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. 6800Health 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 90A 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. 6794Promoting 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.
2020 · second_quarter · Consumer Issues/Safety/Products
Issues related the Consumer Financial Protection Bureau Fair Debt Collection Practices Act rulemaking Issues related to the Consumer Financial Protection Bureau complaint database Issues related to the Consumer Financial Protection Bureau Request for Information process Issues related to medical debt Issues related to student lending S.187 CFPB-IG Act - To require Senate confirmation of the Inspector General of the Bureau of Consumer Financial Protection, and for other purposes. H.R.969 - Bring the Bureau of Consumer Financial Protection into the regular appropriation process, and for other purposes H.R.969 - TABS Act of 2019 - To amend the Consumer Financial Protection Act of 2010 to bring the Bureau of Consumer Financial Protection into the regular appropriations process, and for other purposes. S.453 - Consumer Financial Protection Bureau Accountability Act of 2019 - To amend the Consumer Financial Protection Act of 2010 to subject the Bureau of Consumer Financial Protection to the regular appropriations process, and for other purposes. H.R. 3198 - Comprehensive Regulatory Review Act - To amend the Economic Growth and Regulatory Paperwork Reduction Act of 1996 to ensure that Federal financial regulators perform a comprehensive review of regulations to identify outdated or otherwise unnecessary regulatory requirements imposed on covered persons, and for other purposes. H.R. 3490 - the Small Business Lending Fairness Act - To amend TILA to prohibit anyone from extending credit pursuant to a confession of judgement provision, warrant of attorney, or any other waiver of right to be heard in a lawsuit to collect the debt. H.R. 3948 - the Debt Collection Practices Harmonization Act - To amend the FDCPA to extend the provisions of that Act to cover a debt collector who is collecting debt owed to a State or local government, to index award amounts under such Act for inflation, to provide for civil injunctive relief for violations of such Act, and for other purposes. H.R. 4403 - the Stop Debt Collection Abuse Act - To amend the FDCPA to apply to debt buyers and to collectors of debt owed by a consumer to a federal agency that is 180 days or more past due; to limit fees a collector can collect for such debt to fees that are "reasonable in relation to the actual cost of collection;" that are authorized by the collector's contract wit the federal agency to collect that debt; and are not greater than 10% of the debt to be collected. H.R. 4664 - Monitoring and Curbing Abusive Debt Collection Practices Act - To amend the Consumer Financial Protection Act to prohibit the CFPB from issuing rules pursuant to the FDCPA that would allow a debt collector to send unlimited email and text messages to a consumer. H.R. 5001 - Non-Judicial Foreclosure Debt Collection Clarification Act - To amend the definition of debt collector under the FDCPA to include any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests. H.R. 5003 - Fair Debt Collection Practices for Servicemembers Act - To amend the FDCPA to prohibit debt collectors from communicating with the commanding officer or officer in charge of any servicemember regarding an outstanding debt or the location of the servicemember; and to prohibit debt collectors from stating to a servicemember that failure to cooperate will result in prosecution on the Uniform Code of Military Justice. H.R. 5013 - Small Business Fair Debt Collection Protection Act - To amend the FDCPA to apply to the collection of "small business debts" meaning non-equity obligations less than $5 million. H.R. 5021 - Ending Debt Collection Harassment Act of 2019 - To amend the FDCPA to prohibit the CFPB from issuing a final rule on debt collection that allows unlimited electronic communications, including email or texts, from debt collectors to consumers; to prohibit collectors from contacting consumers via email or text message after a consumer has withdrawn their consent from receiving communications through these mediums or contacting them via email or text more frequently than as agreed to by the consumer; and to require collectors to send a consumer a notice of debt within five days after the initial communication with the consumer in connection with collecting a debt, even if the statutorily-required information was included in the initial communication. To amend the Consumer Financial Protection Act to require rules issued by the CFPB pursuant to the FDCPA must require collectors to obtain a consumers prior consent to contact them in any method other than via postal mail or telephone; to prohibits rules issued by the CFPB pursuant to the FDCPA from waiving compliance with the ESIGN Act; and to require rules issued by the CFPB pursuant to the FDCPA must allow consumers to opt-out of any method of communication and to withdraw prior consent to modes of communication. H.R. 5034 - Fair Debt Collection Improvement Act - To amend the FDCPA to prohibit debt collectors from collecting, or attempting to collect, on a debt of a consumer with respect to which the statute of limitations has expired, and for other purposes. H.R. 5287 - Fair Student Loan Debt Collection Practice Act - To amend the FDCPA to prohibit debt collectors from attempt to collect a federal student loan debt (meaning a loan made, insured or guaranteed under Title IV) during the period when the borrower would not be required to make a payment under an income-drive repayment plan. H.R. 5330 - Consumer Protections for Medical Debt Collections Act - To amend the FDCPA and FCRA to require a debt collector and furnishers to CRAs to provide written notices to consumers about restrictions on reporting medical debt, to refrain from reporting medical debt for over 1 year and to never report certain medical debt, and imposing a 2-year waiting period to colloect certain medical debt. S.3508 - A bill to amend the Fair Credit Reporting Act - to provide for disaster protection for workers' credit. H.R. 6321- Financial Protections and Assistance for Americas Consumers, States, Businesses, and Vulnerable Populations Act during the COVID-19 emergency and to recover from the emergency S. 3565 - A bill to amend the Fair Debt Collection Practices Act (FDCPA) during a major disaster or emergency-such as the current COVID-19 pandemic HR 748 - CARES Act - To provide emergency assistance and health care response for individuals, families, and businesses affected by the 2020 coronavirus pandemic. S.3548 - CARES Act - To provide emergency assistance and health care response for individuals, families, and businesses affected by the 2020 coronavirus pandemic. H.R.6800 - The Heroes Act
2020 · second_quarter · Banking
Issues related to credit union operations Issues related to credit union field of membership Issues related to credit union service organization Issues related to vacancies on the National Credit Union Administration (NCUA) Board Issues related to NCUA's low income designation regulations Issues related to NCUA examination procedures Issues related to NCUA's regulation regarding its regulatory emergency liquidity Issues related to NCUA's rulemaking process Issues related to NCUA's Advanced Notice of Proposed Rulemaking on Alternative Capital Issues related to NCUA's regulatory review process Issues related to Federal Credit Union Bylaws Issues related to credit union loan maturity restrictions Issues related to credit union investment authority Issues related to Regulation of Federal Credit Union By-laws Issues related to credit unions' incidental powers Issues related to credit unions ability to offer prepaid cards Issues related to credit union service to marijuana businesses Issues related to material loss reports of the NCUA Office of Inspector General Issues related to the regulation of corporate credit unions Issues related to the use of Eminent Domain to Seize Performing Mortgage Loans Issues related to fixed assets Issues related to credit union conversions Issues related to credit union call report modernization Issues related to NCUA's Corporate Credit Union Stabilization Plan Issues related to NCUA's budget and the overhead transfer rate Issues related to Credit Union Service Organizations (CUSO) Issues related to the authority of the CFPB to exempt credit unions from its rulemaking Issues related to the CFPB rule to remittances and international wire transfers Issues related to CFPB's Leadership Structure and Installing a Board rather than a Director Issues related to codifying the CFPB's Credit Union Advisory Council Issues related to requiring SBREFA Panels for CFPB Rulemakings Issues related to overdraft protection and check ordering practices Issues related to mortgage servicing Issues related to mortgage loan originator compensation and qualifications Issues related to the CFPB's rule regarding qualified mortgage / ability to repay Issues related to the CFPB's regulation on Home Mortgage Disclosure Act (Regulation C) Issues related to the CFPB's regulation on Truth-In-Lending Act / Real Estate Settlement Procedures Act Integrated Disclosures Issues related to the payday, vehicle title, and similar lending Issues related to short term lending products and advance deposit products Issues related to the CFPB's consumer complaint database Issues related to the Department of Justice's investigation entitled, "Operation Choke Point" Issues related to the Department of Defenese Poposal regarding Credit Extending to Service Members under MLA Issues related to indirect auto lending Issues related to credit union service to unbanked and underbanked consumers Issues related to the Financial Accounting Standards Board (FASB) Issues related to data and cyber security Issues related to mobile banking and mobile payments Issues related to identity theft and fraud reduction Issues related to secure payments Issues related to merchant data breaches Issues related to the payments system Issues related to Federal Reserve Regulation D Issues related to the Fed's implementation of same-day ACH Issues related to the Bank Secrecy Act and Currency Transaction Reporting Requirements Issues related to the oversight of the Federal Housing Administration Issues related to the USDA Rural Development Loan Program Issues related to the Federal Home Loan Bank System Issues related to Fannie Mae Capital Issues related to membership eligibility in the Federal Home Loan Bank System Issues related to financial literacy Issues related to Housing Finance Reform Issues related to student lending Issues related to the Economic Growth and Regulatory Paperwork Reduction Act process Issues related to retirement security Issues related to flood insurance Issues related to consumer's access to records Issues related to economic growth Issues related to Interchange Fees Issues related to the Equal Credit Opportunity Act Issues related to the Fair Housing act Issues related to the merger of credit unions Issues related to the Real Estate Settlement Procedures Act Issues related to Community Reinvestment Act Issues related to Regulation Z Issues related to Military Lending Act Issues related to Financial Technology Issues related to Small Business Lending Data Collection requirements Issues related to Involuntary liquidation of Federal Credit Unions and Claims procedures Issues related to Web-Based Quantitative Testing of Point of Sale / ATM Overdraft Disclosure Forms Issues related to residential appraisals Issues related to FHA appraisal certification Issues related to FHA and USDA Loan Modifications Issues related to payments innovation Issues related to Faster Payments Issues related to the Fair Credit Reporting Act Issues related to cooperative funding sources in federal appropriations legislation Issues related to debt collection requirements Issues related to capital reform for credit unions Issues related to procurement reform for private voluntary organizations Issues related to Federal Credit Union Charter Modernization Issues related to diversity and inclusion in Financial Services Issues related to Section 124 of the Federal Credit Union Act Issues related to NCUA's Fidelity Bonds Proposed Rule Issues related to the Consumer Financial Protection Bureau's No-Acton Letters and the BCFP Product Sandbox Issues related to the Consumer Financial Protection Bureau's proposal to extend the Payday Rule's compliance daedline Issues related to enterprise validation and approval of credit score models Issues related to the availability of Funds and Collection of Checks (Regulation CC) Issues related to arbitration clauses Issues related to SBA 79(a) loan program Issues related to financial institutions operating on military installations Issues related to postal banking Issues related to robocalls and the Stopping Bad Robocalls Act Issues related to financial technology (FINTECH) Issues related to the Consumer Financial Protection Bureau Payday Rule Issues related to appraisals Issues related to student lending Issues related to robocalls and the draft Declaratory Ruling (the ruling) and Third Further Notice of Proposed Rulemaking (FNPRM) CG Docket No 17-59, WC Docket No. 17-97 Issues related to FY 2020 Foreign Assistance Budget and Policy Priorities Issues related to payday and small dollar lending Issues related to leases of non-excess property on military bases Issues related to Opportunity Zones Issues related to minority homeownership Issues related to permit Federal Credit Unions to establish their own fiscal year Issues related to striking a requirement that Federal credit unions file certain information regarding loan officers Issues related to enhance flexibility of Federal Credit Unions to schedule board meetings Issues related to remove certain outdated responsibilities of Federal credit union board of directors Issues related to permit Federal credit unions to expel disruptive members for just cause without a vote Issues related to permit balloting for conversions from state to federal charter and from federal to state charter to be conducted electronically Issues related to the draft bill improving Laundering Laws and Increasing Comprehensive Information Issues related to tracking of Criminal Activity in Shell Holding (ILLICIT CASH Act) Issues related to PACE loans Issues related to Consumer Financial Protection Bureau's HMDA reporting thresholds Issues on NCUA Executive compensation rules Issues related to business access to financial services Issues related to Strengthening Cybersecurity for the Financial Sector Act of 2019 Issues related to minority depository institutions Issues related to the Federal Reserve's Faster Payments Proposal Issues related to AI and cloud computing Issues related to the Consumer Online Privacy Rights Act Issues related to Credit Union Board Meeting Frequency Issues related to COVID-19 crisis response legislation Issues related to the regulation of overtime Issues related to the Paycheck Protection Program Issues related to Taxi Medallion loans Issues related to essential services designation for financial services during COVID-19 Issues related to QRM Risk Retention review Issues related to NCUA's proposed rule on Combination transactions Issues related to the Freezing Assets of Suspected Terrorist and Enemy Recruits Act of 2020 Issues related to the regulation of credit unions as employers Issues related to liability protections for businesses Issues related to remote notary Issues related to Federal Home Loan Bank liquidity Issues related to digital identity legislation Issues related to Paid Leave Payroll Tax Credits Issues related to the Central Liquidity Facility (CLF) Issues related to Economic Impact Payments Issues related to Fed Accounts Issues related to the Federal Reserve's Main Street Lending Program Issues related to the legislation to temporarily halt the Federal financial regulators from carrying out rulemakings unrelated to the COVID-19 emergency until the end of such emergency Issues related to troubled debt restructuring Issues related to Prompt Corrective Action requirements Issues related to NCUA subordinated debt rulemaking Issues related to Uniform Residential Loan application Issues related to digitalization of money Issues related to electronic signatures on wire transfer documents Issues related to cybercriminal activity during COVID-19 Issues related to lender forbearance Issues related to Paycheck Protection Program forgiveness process H.R. 266, Paycheck Protection Program and Healthcare Enhancement Act H.R. 388, the Financial Reporting Threshold Modernization Act H.R. 442, to amend the Consumer Financial Protection Act of 2010 to extend the supervisory authority of the Bureau of Consumer Financial Protection to include assessing compliance with the Military Lending Act H.R. 748, the Coronavirus Aid, Relief, and Economic Security Act, Title I and Secs. 4008, 4012, 4014 of Title IV H.R.1039, to streamline requirements for currency transaction reports and suspicious activity reports and for other purposes H.R. 1158, the FY2020 Consolidated Appropriations Act (funding for the CDFI Fund as well as the Community Development Revolving Loan Fund) H.R. 1500, the Consumers First Act H.R. 1595, the Secure and Fair Enforcement (SAFE) Banking act of 2019 H.R. 1661, to provide the National Credit Union Administration Board flexibility to increase Federal credit Union loan maturities, and for other purposes H.R. 1737, the American Housing and Economic Mobility Act of 2019 H.R. 1865, FY2020 Further Consolidated Appropriations Act (funding for the Cooperative Development Program, tax extenders, repeal of "parking tax") H.R. 1957, the Taxpayers First Act of 2019 H.R. 2093, to amend the Controlled Substances Act to provide for a new rule regarding the application of the Act of marijuana, and for other purposes H.R. 2157, Supplemental Appropriations Act of 2019 H.R. 2162, Housing Financial Literacy Act of 2019 H.R. 2290, Shutdown Guidance for Financial Institutions Act H.R. 2305, Veterans Members Business Loan Act H.R. 2445, Self-Employed Mortgage Access Act H.R. 2500, National Defense Authorization Act for Fiscal Year 2020 H.R. 2513, Corporate Transparency Act of 2019 H.R. 2514, Coordinating Oversight, Upgrading and Innovating Technology, and Examiner Reform Act of 2019 H.R. 2740, the State and Foreign Operations and Related Programs Appropriations Act H.R. 2852, Homebuyer Assistance Act of 2019 H.R. 3111, National Flood Insurance Program Administration Reform Act of 2019 H.R. 3167, National Flood Insurance Program Re-authorization Act of 2019 H.R. 3182, Current Expected Credit Loss Consumer Impact and Study Bill of 2019 H.R. 3198, the Comprehensive Regulatory Review Act H.R. 3300, the Economic Mobility Act of 2019 H.R. 3301, the Taxpayer Certainty and Disaster Tax Relief Act of 2019 H.R. 3351, Financial Services and General Government Appropriations Act of 2020 H.R. 3375, the Stopping Bad Robocalls Act H.R. 4458, Cybersecurity and Financial System Resilience Act H.R. 4464, Monitoring and Curbing Abusive Debt Collection Clarification Act H.R. 4565, the Responsible Accounting Standards Act of 2019 H.R. 5001, Non-Judicial Foreclosure Debt Collection Clarification Act H.R. 5013, Small Business Fair Debt Collection Protection Act H.R. 5050, Veterans and Consumers Fair Credit Act H.R. 5132, Gun Violence Prevention through Financial Intelligence Act H.R. 5315, Expanding Opportunities for Minority Depository Institutions Act H.R. 5322, Ensuring Diversity in Community Banking Act of 2019 H.R. 5332, Protecting your Credit Score Act of 2019 H.R. 5332, Protection your Credit Score Act of 2019, Sec. 5 H.R. 5513, the Expanding Opportunities for Minority Depository Institutions Act H.R. 5981, Credit Union Board Modernization Act H.R. 6074, Coronavirus Preparedness and Response Supplemental Appropriations Act H.R. 6116, the Consumer Financial Protection Commission Act of 2020 H.R. 6201, the Families First Coronavirus Response Act, paid and sick leave provisions H.R. 6321, the Financial Protections and Assistance for America's Consumers, States, Businesses, and Vulnerable Populations Act H.R. 6395, National Defense Authorization Act for Fiscal Year 2021 H.R. 6423, to provide a temporary debt collection moratorium during the COVID-19 emergency period, and for other purposes H.R. 6550, Access to Credit for Small Businesses Impacted by the COVID-19 Crisis Act of 2020 H.R. 6551, the CARES Act Section 4014, Technical Corrections Act H.R. 6736, the Protect Rural Renters Act of 2020 H.R. 6741, the COVID-19 Mortgage Relief Act H.R. 6789, Access to Credit for Small Businesses Impacted by the COVID-19 Crisis Act of 2020 H.R. 6790, the Business Borrowers Protection Act H.R. 6800, Health and Economic Recovery Omnibus Emergency Solutions (HEROES) Act of 2020 H.R. 6820, the Emergency Rental Assistance and Rental Market Stabilization Act of 2020 H.R. 6873, the Emergency Housing Assistance for Older Adults Act of 2020 H.R. 7084, the Emergency Housing Voucher Act of 2020 H.Res 275, Supporting the goals and ideals of "Financial Literacy Month" H.Res 327, Encouraging greater public-private sector collaboration to promote financial literacy for students and young adults H.Res 328, Supporting the protection of elders through financial literacy H. Res 602, Support of resolution in support of cooperatives S. 151, Telephone Robocall Abuse Criminal Enforcement and Deterrence Act S. 787, the American Housing and Economic Mobility Act of 2019 S. 1028, Strengthening the Tenth Amendment through Entrusting States (STATES Act) S. 1200, Secure and Fair Enforcement Banking Act of 2019 (SAFE Act) S. 1564, Continued Encouragement for Consumer Lending Act S. 2524, the Financial Services and General Government Appropriations Act of Fiscal Year 2020 S. 2563, The Improving Laundering Laws and Increasing Comprehensive Information S. 2583, the State-Foreign Operations and Related Programs Appropriations Act for FY2020 S. 2833, Veterans and Consumers Fair Credit Act of 2019 S. 2834, Veterans member Business Loan Act S. 3003, the Financial Institution Customer Protection Act S. 3032, Strengthening the Tenth Amendment Through Entrusting States S. 3323, Credit Union Governance Modernization Act of 2020 S. 3326, Credit Union Modernization Act of 2019 S. 3389, Expanding Access to Lending Options Act S. 3533, the Securing and Enabling Commerce Using Remote and Electronic (SECURE) S. 3548, Coronavirus Aid, Relief, and Economic Security act, payroll tax provisions S. 3571, the Financial Protections and Assistance for America's Consumers, States, Businesses, and Vulnerable Populations Act S. 3620, A Bill to establish a Housing Assistance Fund at the Department of Treasury S. 3676, Access to Credit for Small Businesses Impacted by the COVID-19 Crisis Act of 2020 S. 4049, National Defense Authorization Act for Fiscal Year 2021 Sec. 2821 of S. 1790, the National Defense Authorization Act of FY 2020
2020 · second_quarter · Banking
H.R. 5332, Protecting Your Credit Score Act of 2020; all provisions related to banking H.R. 6800, Health and Economic Recovery Omnibus Emergency Solutions Act (HEROES Act); Sec. 110401 H.R. 748, Coronavirus Aid, Relief, and Economic Security Act (CARES Act); Secs. 4021-4024 S. 3508, Disaster Protection for Workers' Credit Act of 2020; all provisions H.R. 6321, Financial Protections and Assistance for Americas Consumers, States, Businesses, and Vulnerable Populations Act; Sec. 112 H.R. 6370, Disaster Protection for Workers' Credit Act; All Sections Data and Accountability Transparency Act of 2020; All Sections H.R. 6451, Fair Coronavirus Credit Reporting Act of 2020; All sections pertaining to medical debt
Client expense: $440,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE, White House Office
2020 · second_quarter · Financial Institutions/Investments/Securities
Legislative and regulatory issues pertaining to credit reporting and scoring, including H.R. 748, H.R. 3821, H.R. 4231, H.R. 5332, H.R. 6321, H.R. 6370, H.R. 6379, H.R. 6413, H.R. 6451, H.R. 6470, H.R. 6800, S. 1828, S. 3508, S. 3548, and S. 4037.
Client expense: $360,000 · Firm income: Not reported
Government targets: Consumer Financial Protection Bureau (CFPB), Federal Housing Finance Agency (FHFA), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Natl Economic Council (NEC), SENATE, Small Business Administration (SBA), Social Security Administration (SSA), Treasury, Dept of, White House Office
2020 · second_quarter · Banking
Issues pertaining to a Financial Services and General Government Appropriations Act for FY2021 (no number), all provisions relating to credit card interchange. S 3571 Banking for All Act, all provisions. S 3508 Disaster Protection for Workers Credit Act of 2020, all provisions relating to credit reporting. HR 6800 Health and Economic Recovery Omnibus Emergency Solutions Act, all provisions relating to credit reporting. HR 6321 The Financial Protections and Assistance for Americas Consumers, States, Businesses, and Vulnerable Populations Act, all provisions relating to credit reporting. HR 5332 Protecting Your Credit Score Act of 2020,all provisions relating to credit reporting. 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 modification and credit reporting. HR 5050 Veterans and Consumers Fair Credit Act, all provisions relating to interest rate caps and credit card interchange. HR 2930/S 1389 Loan Shark Prevention Act, all provisions relating to credit rate caps. Issues pertaining to the implementation of PL 111-24 Credit Card Accountability Responsibility and Disclosure Act of 2009, all provisions.
Client expense: Not reported · Firm income: $30,000
2020 · second_quarter · Taxation/Internal Revenue Code
- P.L. 115-97, formerly H.R. 1 Tax Cuts and Jobs Act (2017)- a bill to amend the US tax code through changes to the corporate and individual rate structure. Implementation and technical corrections. H.R.2163, Freedom for Families Act - To amend the Internal Revenue Code of 1986 to allow for tax-advantaged distributions from health savings accounts during family or medical leave, and for other purposes. H.R. 2923, S. 1587, Inclusive Prosperity Act - sets different tax rates on stocks, bonds, and derivatives based on the existing transaction costs in each market-0.5 percent for stocks, 0.1 percent for bonds, and 0.005 for derivatives Financial Transaction Tax Wealth Tax HR ___ -- DRAFT Phase 4 Coronavirus legislation. DRAFT HR/S. ___, corporate rate stabilization and financial security package H.R.6201, Families First Coronavirus Response Act (PL: 116-127) - COVID relief H.R. 748, Coronavirus Aid, Recovery, and Economic Stability (CARES) Act (PL: 116-136) - COVID relief H.R.266, Paycheck Protection Program and Health Care Enhancement Act (PL: 116-139) - Paycheck protection program expansion H.R.7010, Paycheck Protection Program Flexibility Act of 2020 - House PPP flexibility changes (PL: 116-142) - Paycheck protection program reform S.4116, A bill 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 - Paycheck Protection Program extension to August H.R. 6379, Take Responsibility for Workers and Families Act - COVID response package H.R. 6321, Financial Protections and Assistance for Americas Consumers, States, Businesses, and Vulnerable Populations Act - COVID response package H.R. 6800, Health and Economic Recovery Omnibus Emergency Solutions Act (HEROES) Act - COVID response package S. 3663, COVID-19 Consumer Data Protection Act of 2020 - consumer data privacy during the coronavirus public health crisis DRAFT, Public Health Emergency Privacy Act - Senate Democrat COVID related privacy bill. H.R. 7079, Clean Start Act -temporary tax credit for cleaning costs related to reopening businesses H.R. 6776, Jumpstarting Our Businesses Success (JOBS) Credit Act of 2020 - expanded CARES Act employee retention tax credit, similar provision in HEROES Issue: Diversity and Inclusion
2020 · first_quarter · Banking
HR 149, The Housing Fairness Act of 2019, To authorize funds to prevent housing discrimination through the use of nationwide testing, to increase funds for the Fair Housing Initiatives Program, and for other purposes H. R. 5934 - To amend the Fair Debt Collection Practices Act to safeguard access to information for consumers and to stop abusive debt litigation, and for other purposes. HR 5931 - Improving FHA Support for Small Dollar Mortgages Act of 2020 - This bill directs the Department of Housing and Urban Development (HUD) to report on barriers to making Federal Housing Administration (FHA) single-family mortgage insurance available for mortgages under $70,000. Specifically, HUD must report H.R.6379 - Take Responsibility for Workers and Families Act S.3566 - Stop Overdraft Profiteering during COVID-19 Emergency Act of 2020 - to prohibit depository institutions from assessing overdraft and non-sufficient fund fees during the novel coronavirus crisis and other disasters, and for other purposes. S.3565 - Small Business and Consumer Debt Collection Emergency Relief Act of 2020 - To amend the Fair Debt Collection Practices Act to provide additional protections for consumers and small business owners from debt collection during a major disaster or emergency. S.3560 - Small Business and Consumer Emergency Credit Act - To amend the Truth in Lending Act to extend the consumer credit protections provided to members of the Armed Forces and their dependents under title 10, United States Code, to all consumers. S 3548 - To provide emergency assistance and health care response for individuals, families, and businesses affected by the 2020 coronavirus pandemic. S.3509 - A bill to provide borrowers the right to request forbearance on mortgage loan payments due to a declared disaster, and for other purposes. H.R.6321 - To provide financial protections and assistance for America's consumers, States, businesses, and vulnerable populations during the COVID-19 emergency and to recover from the emergency. H.R.6363 - Student Debt Emergency Relief Act HR 3182 - To require the Securities and Exchange Commission and certain Federal agencies to carry out a study relating to accounting standards, and for other purposes. HR 748/Public Law No: 116-136 (03/27/2020) Coronavirus Aid, Relief, and Economic Security Act or the CARES Act - This bill responds to the COVID-19 (i.e., coronavirus disease 2019) outbreak and its impact on the economy, public health, state and local governments, individuals, and businesses Transportation, Housing and Urban Development, and Related Agencies Appropriations Act for FY2021 H.R. 3674 the College Affordability Act, a bill to lower the costs of college for students and improve the quality of education H.J.Res.76, Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Department of Education relating to "Borrower Defense Institutional Accountability" HR 5050 / s 2833, To amend the Truth in Lending Act to extend the consumer credit protections provided to members of the Armed Forces and their dependents under title 10, United States Code, to all consumers H.R. XXX, amends the Fair Credit Reporting Act to delay the inclusion in consumer credit reports and to establish requirements for debt collectors with respect to medical debt information of veterans due to inappropriate or delayed billing payments or reimbursements from the Department of Veterans Affairs, and for other purposes. H.R. 2750, Justice for Servicemembers Act, To amend title 9 of the United States Code to prohibit predispute arbitration agreements that force arbitration of certain disputes arising from claims of service members and veterans. H.R. XXXX, Protecting Consumers Access to Credit Act (This bill amends the Revised Statutes, the Home Owners' Loan Act, the Federal Credit Union Act, and the Federal Deposit Insurance Act to state that bank loans that are valid when made as to their maximum rate of interest in accordance with federal law shall remain valid with respect to that rate regardless of whether a bank has subsequently sold or assigned the loan to a third party.) H.R. XXXX, the Protecting Consumers from Unreasonable Credit Rates Act (This bill amends the Truth in Lending Act to prohibit a creditor from extending credit to a consumer under an open end consumer credit plan (credit card) for which the fee and interest rate exceeds 36%.) HR 5050 / s 2833, To amend the Truth in Lending Act to extend the consumer credit protections provided to members of the Armed Forces and their dependents under title 10, United States Code, to all consumers H. R. 166, To establish an Office of Fair Lending Testing to test for compliance with the Equal Credit Opportunity Act, to strengthen the Equal Credit Opportunity Act and to provide for criminal penalties for violating such Act, and for other purposes H.R. 5330, Consumer Protections for Medical Debt Collections Act, a bill which would provide relief to those struggling with health problems and medical debt by preventing collection of medical debt for two years from the date of the medical billing. H.R. 5021, The Ending Debt Collection Harassment Act of 2019, a bill to amend the Fair Debt Collection Practices Act (FDCPA) to prohibit a debt collector from contacting a consumer by email or text message without a consumers consent to be contacted electronically, and prohibits the Consumer Financial Protection Bureau (CFPB) from issuing any rules implementing the FDCPA that allow a debt collector to send unlimited email and text messages to a consumer. H.R. 5013, The Small Business Fair Debt Collection Protection Act, a bill that expands the FDCPAs protections to cover small business loans H.R. 5003, The Fair Debt Collection Practices for Servicemembers Act, a bill by that amends the FDCPA to prohibit debt collectors from threatening servicemembers or their families to have a servicemembers rank reduced, have their security clearance revoked, have them prosecuted under the Uniform Code of Military Justice, or communicating with a servicemembers chain of command to locate a servicemember. H.R. 5001, The Non-Judicial Foreclosure Debt Collection Clarification Act, a bill that reverses the recent Supreme Court decision in Obduskey versus McCarthy and Holthus LLP by amending the FDCPA to clarify that entities in non-judicial foreclosure proceedings are covered by the law H.R. 4403, The Stop Debt Collection Abuse Act, a bill that extends the FDCPAs protections as it relates to debt owed to a federal agency, limits the fees debt collectors can charge, and clarifies that debt buyers are subject to FDCPA H.R. 3948, The Debt Collection Practices Harmonization Act, a bill that clarifies that private debt collectors who pursue debts such as municipal utility bills, tolls, traffic tickets, and court debts are subject to the FDCPA H.R. 3490,The Small Business Lending Fairness Act, a bill that would amend the Truth in Lending Act (TILA) to restrict the use of predatory small business loan contract clauses called confessions of judgment.
2020 · first_quarter · Consumer Issues/Safety/Products
Issues related the Consumer Financial Protection Bureau Fair Debt Collection Practices Act rulemaking Issues related to the Consumer Financial Protection Bureau complaint database Issues related to the Consumer Financial Protection Bureau Request for Information process Issues related to medical debt S.187 CFPB-IG Act - To require Senate confirmation of the Inspector General of the Bureau of Consumer Financial Protection, and for other purposes. H.R.969 - Bring the Bureau of Consumer Financial Protection into the regular appropriation process, and for other purposes H.R.969 - TABS Act of 2019 - To amend the Consumer Financial Protection Act of 2010 to bring the Bureau of Consumer Financial Protection into the regular appropriations process, and for other purposes. S.453 - Consumer Financial Protection Bureau Accountability Act of 2019 - To amend the Consumer Financial Protection Act of 2010 to subject the Bureau of Consumer Financial Protection to the regular appropriations process, and for other purposes. H.R. 3198 - Comprehensive Regulatory Review Act - To amend the Economic Growth and Regulatory Paperwork Reduction Act of 1996 to ensure that Federal financial regulators perform a comprehensive review of regulations to identify outdated or otherwise unnecessary regulatory requirements imposed on covered persons, and for other purposes. H.R. 3490 - the Small Business Lending Fairness Act - To amend TILA to prohibit anyone from extending credit pursuant to a confession of judgement provision, warrant of attorney, or any other waiver of right to be heard in a lawsuit to collect the debt. H.R. 3948 - the Debt Collection Practices Harmonization Act - To amend the FDCPA to extend the provisions of that Act to cover a debt collector who is collecting debt owed to a State or local government, to index award amounts under such Act for inflation, to provide for civil injunctive relief for violations of such Act, and for other purposes. H.R. 4403 - the Stop Debt Collection Abuse Act - To amend the FDCPA to apply to debt buyers and to collectors of debt owed by a consumer to a federal agency that is 180 days or more past due; to limit fees a collector can collect for such debt to fees that are "reasonable in relation to the actual cost of collection;" that are authorized by the collector's contract wit the federal agency to collect that debt; and are not greater than 10% of the debt to be collected. H.R. 4664 - Monitoring and Curbing Abusive Debt Collection Practices Act - To amend the Consumer Financial Protection Act to prohibit the CFPB from issuing rules pursuant to the FDCPA that would allow a debt collector to send unlimited email and text messages to a consumer. H.R. 5001 - Non-Judicial Foreclosure Debt Collection Clarification Act - To amend the definition of debt collector under the FDCPA to include any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests. H.R. 5003 - Fair Debt Collection Practices for Servicemembers Act - To amend the FDCPA to prohibit debt collectors from communicating with the commanding officer or officer in charge of any servicemember regarding an outstanding debt or the location of the servicemember; and to prohibit debt collectors from stating to a servicemember that failure to cooperate will result in prosecution on the Uniform Code of Military Justice. H.R. 5013 - Small Business Fair Debt Collection Protection Act - To amend the FDCPA to apply to the collection of "small business debts" meaning non-equity obligations less than $5 million. H.R. 5021 - Ending Debt Collection Harassment Act of 2019 - To amend the FDCPA to prohibit the CFPB from issuing a final rule on debt collection that allows unlimited electronic communications, including email or texts, from debt collectors to consumers; to prohibit collectors from contacting consumers via email or text message after a consumer has withdrawn their consent from receiving communications through these mediums or contacting them via email or text more frequently than as agreed to by the consumer; and to require collectors to send a consumer a notice of debt within five days after the initial communication with the consumer in connection with collecting a debt, even if the statutorily-required information was included in the initial communication. To amend the Consumer Financial Protection Act to require rules issued by the CFPB pursuant to the FDCPA must require collectors to obtain a consumers prior consent to contact them in any method other than via postal mail or telephone; to prohibits rules issued by the CFPB pursuant to the FDCPA from waiving compliance with the ESIGN Act; and to require rules issued by the CFPB pursuant to the FDCPA must allow consumers to opt-out of any method of communication and to withdraw prior consent to modes of communication. H.R. 5034 - Fair Debt Collection Improvement Act - To amend the FDCPA to prohibit debt collectors from collecting, or attempting to collect, on a debt of a consumer with respect to which the statute of limitations has expired, and for other purposes. H.R. 5287 - Fair Student Loan Debt Collection Practice Act - To amend the FDCPA to prohibit debt collectors from attempt to collect a federal student loan debt (meaning a loan made, insured or guaranteed under Title IV) during the period when the borrower would not be required to make a payment under an income-drive repayment plan. H.R. 5330 - Consumer Protections for Medical Debt Collections Act - To amend the FDCPA and FCRA to require a debt collector and furnishers to CRAs to provide written notices to consumers about restrictions on reporting medical debt, to refrain from reporting medical debt for over 1 year and to never report certain medical debt, and imposing a 2-year waiting period to colloect certain medical debt. S.3508 - A bill to amend the Fair Credit Reporting Act - to provide for disaster protection for workers' credit. H.R. 6321- Financial Protections and Assistance for Americas Consumers, States, Businesses, and Vulnerable Populations Act during the COVID-19 emergency and to recover from the emergency S. 3565 - A bill to amend the Fair Debt Collection Practices Act (FDCPA) during a major disaster or emergency-such as the current COVID-19 pandemic HR 748 - CARES Act - To provide emergency assistance and health care response for individuals, families, and businesses affected by the 2020 coronavirus pandemic. S.3548 - CARES Act - To provide emergency assistance and health care response for individuals, families, and businesses affected by the 2020 coronavirus pandemic.
2020 · first_quarter · Banking
21 Jan 2020 Provided comments to Office of Comptroller of Currency on OCC Notice of Proposed Rulemaking, Permissible Interest on Loans That Are Sold, Assigned, or Otherwise Transferred, 12 CFR Part 7 and Part 160, Docket ID OCC-2019-0027, RIN 1557-AE73 March 2020 Supported development of and introduction of The Financial Protections and Assistance for Americas Consumers, States, Businesses, and Vulnerable Populations Act (H.R. 6321) by members of the House Financial Services Committee, including its provisions to cap payday loan and other interest rates at 36APR, expand protections against foreclosures and evictions to all consumers, restrict debt collections, utility shutoffs, vehicle repossessions and garnishments, Eliminate overdraft and other penalty fees, and take other actions necessary to protect consumers from unfair financial practices during the Covid19 Pandemic. This comprehensive legislation includes Rep. Brad Shermans Disaster Protection For Workers Credit Act under Section 112. March 2020 Similarly, we support Sens. Brian Schatz and Sherrod Brown to restrict negative consumer reporting, as the Disaster Protection for Workers Credit Act (S.3508). Feb 2020- Urged Senate to support The End Double Taxation of Successful Civil Claims Act (S. 2627) (Cortez-Masto).
Client expense: $10,000 · Firm income: Not reported
2020 · first_quarter · Taxation/Internal Revenue Code
Draft legislation related to combating offshore tax haven abuse and advancing tax transparency; H.R. 1711/S. 780, No Tax Breaks for Outsourcing Act; H.R. 1712/S. 779, Stop Tax Haven Abuse Act; S. 1610, Removing Incentives for Outsourcing Act; H.R. 5933/S. 1609, Disclosure of Tax Havens and Offshoring Act; S. 2140, Stop Corporate Inversions Act of 2019; H.R. ____, To require issuers required to file an annual or quarterly report under the Securities Exchange Act of 1934 to disclose the total amount of corporate tax such issuer paid in the period covered by the report, and for other purposes [DRAFT]; H.R. 4362, Overseas Americans Financial Access Act; H.R. 6321, Financial Protections and Assistance for Americas Consumers, States, Businesses, and Vulnerable Populations Act; H.R. 6379, Take Responsibility for Workers and Families Act; H.R. 748/S. 3548, CARES Act
Client expense: $10,000 · Firm income: Not reported
Government targets: Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of
2020 · first_quarter · Financial Institutions/Investments/Securities
Legislative and regulatory issues pertaining to credit reporting and scoring, including H.R. 748, H.R. 3614, H.R. 3618, H.R. 3621, H.R. 3622, H.R. 3629, H.R. 3642, H.R. 3821, H.R. 4231, H.R. 4328, H.R. 5332, H.R. 6321, H.R. 6370, H.R. 6379, S. 1828, S. 3508 and S. 3548.
Client expense: $360,000 · Firm income: Not reported
Government targets: Consumer Financial Protection Bureau (CFPB), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Natl Economic Council (NEC), SENATE, Social Security Administration (SSA)
| Referred to |
| March 23, 2020 |
| Ways and Means Committee | House | Referred to | March 23, 2020 |
| Financial Services Committee | House | Referred to | March 23, 2020 |
| HR 6778 |
116th |
| Related bill |
| HR 6760 | 116th | Related bill |
| HR 6724 | 116th | Related bill |
| HR 6423 | 116th | Related bill |
| HR 6387 | 116th | Related bill |
| HR 6382 | 116th | Related bill |
| HR 6381 | 116th | Related bill |
| HR 6380 | 116th | Related bill |
| HR 6379 | 116th | Related bill |
| HR 6378 | 116th | Related bill |
| HR 6375 | 116th | Related bill |
| HR 6374 | 116th | Related bill |
| HR 6373 | 116th | Related bill |
| HR 6371 | 116th | Related bill |
| HR 6370 | 116th | Related bill |
| HR 6369 | 116th | Related bill |
| HR 6368 | 116th | Related bill |
| HR 6366 | 116th | Related bill |
| HR 6361 | 116th | Related bill |
| HR 6360 | 116th | Related bill |
| HR 6358 | 116th | Related bill |
| HR 6350 | 116th | Related bill |
| HR 6348 | 116th | Related bill |
| HR 6347 | 116th | Related bill |
| HR 6340 | 116th | Related bill |
| HR 6339 | 116th | Related bill |
| HR 6333 | 116th | Related bill |
| HR 6332 | 116th | Related bill |
| HR 6331 | 116th | Related bill |
| HR 6330 | 116th | Related bill |
| HR 6328 | 116th | Related bill |
| HR 6326 | 116th | Related bill |
| HR 6321 | 116th | Related bill |
| HR 6319 | 116th | Related bill |
| HR 6316 | 116th | Related bill |
| HR 5322 | 116th | Related bill |
| HR 4029 | 116th | Related bill |
Government targets: Consumer Financial Protection Bureau (CFPB), HOUSE OF REPRESENTATIVES, SENATE
Client expense: $150,000 · Firm income: Not reported
Government targets: Consumer Financial Protection Bureau (CFPB), Federal Communications Commission (FCC), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), Office of the Comptroller of the Currency (OCC), SENATE, Small Business Administration (SBA), Treasury, Dept of
Client expense: $90,000 · 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, Federal Trade Commission (FTC), 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
Client expense: $1,030,510 · 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), SENATE, Small Business Administration (SBA), Treasury, Dept of, U.S. Agency for International Development (USAID), Veterans Affairs, Dept of (VA)
Client expense: $140,000 · Firm income: Not reported
Government targets: Consumer Financial Protection Bureau (CFPB), Federal Communications Commission (FCC), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE, Small Business Administration (SBA), Treasury, Dept of
Government targets: Consumer Financial Protection Bureau (CFPB), HOUSE OF REPRESENTATIVES, SENATE
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, Federal Trade Commission (FTC), 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
Client expense: $150,000 · Firm income: Not reported
Government targets: Consumer Financial Protection Bureau (CFPB), Federal Communications Commission (FCC), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE, Small Business Administration (SBA), Treasury, Dept of
Client expense: $1,050,000 · 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), SENATE, Small Business Administration (SBA), Treasury, Dept of, U.S. Agency for International Development (USAID), Veterans Affairs, Dept of (VA)
Government targets: Consumer Financial Protection Bureau (CFPB), HOUSE OF REPRESENTATIVES, SENATE
Client expense: $1,140,000 · Firm income: Not reported
Government targets: Agriculture, Dept of (USDA), Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Labor, Dept of (DOL), SENATE, Securities & Exchange Commission (SEC), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Copyright Office, U.S. Postal Service (USPS)
Client expense: $90,000 · 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, Federal Trade Commission (FTC), 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
Client expense: $180,000 · Firm income: Not reported
Government targets: Consumer Financial Protection Bureau (CFPB), Federal Communications Commission (FCC), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE, Small Business Administration (SBA), Treasury, Dept of
Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, SENATE, Transportation, Dept of (DOT), Treasury, Dept of