Paycheck Protection Small Business Forgiveness Act

3/8 Senate Banking Hearing: Examining Mandatory Arbitration in Financial Service Products H.R. 963 Forced Arbitration Injustice Repeal (FAIR) Act of 2022 3/31 House Financial Services Subcommittee on Consumer Protection and Financial Institutions Hearing- The End of Overdraft Fees? Examining the Movement to Eliminate the Fees Costing Consumers Billions H.R. 7352 PPP and Bank Fraud Enforcement Harmonization Act of 2022 7/29 Senate Banking Hearing - Extending the Military's 36% Interest Rate Cap to Everyone Draft Legislation - Access to No-Fee Accounts Act. H.R. 5376 Build Back Better Act - IRS Reporting Bank Account information H.R.4277 - Overdraft Protection Act of 2021 Issues related to By Now/Pay Later Financial Products Issues related to SBA Direct 7(a) lending program H.R. 6037, To prohibit the Administrator of the Small Business Administration from directly making loans under the 7(a) loan program, and for other purposes. S. 3382, To prohibit the Administrator of the Small Business Administration from directly making loans under the 7(a) loan program. Issues related to the transition from LIBOR Rate S. 3056, the Prohibiting IRS Financial Surveillance Act House/Senate Semi-annual Hearing with the Director of the CFPB Issues related to Cyber Security, Data Security & Breach Notification Issues related to Consumer Data Privacy Issues related to the Community Reinvestment Act Issues related to HUD disparate-impact rule Issues related to Government National Mortgage Association requirements for mortgage-backed securities issuers Issues related to third-party risk management Issues related to the use of artificial intelligence Issues related to CFPB supervisory authority under Section 1024 Issues related to Dodd-Frank including Section 1033 Issues related to the Consumer Financial Protection Bureau H.R. 4773, the Consumer Financial Protection Commission Act Legislation related to establishing a commission at the CFPB Issues related to Interest Rate Caps on Banks Issues related to CFPB Consumer Response Portal Issues related to CFPB Taskforce on Consumer Financial Laws CFPB Section 1071 rulemaking Issues related to the Ability to Repay Rule, Qualified Mortgage Standards Issues related to Underbanked/Unbanked Consumers Issues related to CFPB agency guidance Issues related to bank fees, including overdraft fees. Issues related to the establishment of a bank tax. Issues related to financial institution charters, specifically ILC charters Issues related to the COVID-19 pandemic H.R. 4120, To amend the Fair Credit Reporting Act to provide comprehensive reforms to the consumer credit reporting laws, and for other purposes H.R. 4277, To amend the Truth in Lending Act to establish fair and transparent practices related to the marketing and provision of overdraft coverage programs at financial institutions, and for other purposes Issues related to U.S. Postal Service banking services. Issues related to financial data reporting to the IRS. Issues related to IRS Customer Reporting Requirements for Financial Institutions Issues related to the Federal Reserve Central Digital Bank Currency Issues related to the Federal Reserve Consumer checking accounts Issues related to the SBAs paycheck protection program Issues related to Pub. Law 116-136, Coronavirus Aid, Relief, and Economic Security Act H.R. 6800 (116th Cong.), Health and Economic Recovery Omnibus Emergency Solutions H.R. 7010 (116th Cong.), Paycheck Protection Program Flexibility Act of 2020 S. 4117 (116th Cong.), Paycheck Protection Program Small Business Forgiveness Act H.R. 7777 (116th Cong.), Paycheck Protection Small Business Forgiveness Act H.R. 266 (116th Cong.), Paycheck Protection Program and Health Care Enhancement Act H.R. 8406 (116th Cong.), The Heroes Act H.R. 8265 (116th Cong.), To amend the Small Business Act and the CARES Act to establish a program for second draw loans and make other modifications to the paycheck protection program, and for other purposes. S. 4321 (116th Cong.), Continuing Small Business Recovery and Paycheck Protection Program Act H.R. 1799, PPP Extension Act of 2021 H.R. 1319, American Rescue Plan Act of 2021 COVID-19 relief-related amendments to S. 178 (116th Cong.) Issues related to the Heal, Economic Assistance, Liability Protection, and Schools Act Issues related to the Paycheck Protection Program Issues related to OCC Fair Access Proposal Issues related to OCC Modeled Income H.R. 133, Coronavirus Response and Relief Supplemental Appropriations Act H.R. 6332 (116th Cong.), Relief for Consumers During COVID-19 Act of 2020 H.R. 6361, the Relief for Small Businesses and Nonprofits Act (116th Congress) H.R. 6370, the Disaster Protection for Workers' Credit Act (116th Congress) H.R. 6316, the Emergency Relief for Student Borrowers Act of 2020 (116th Congress) H.R. 1657, Ending Debt Collection Harassment Act of 2021 H.J. Res. _____, Resolution of Disapproval on the OCCs National Banks and Federal Savings Associations as Lenders Final Rule. Issues related to economic impact payments distributed and subsequent garnishments pursuant to the Coronavirus Aid, Relief, and Economic Security Act or CARES Act Issues related to the transition away from LIBOR H.R. 4616, the Adjustable Interest Rate (LIBOR) Act of 2021 Issues related to the reauthorization of the Higher Education Act Issues related to the CFPBs and Department of Educations actions on student lending Issues related to disclosures for federal student loans Legislation related to student loan refinancing programs Issues related to bankruptcy protections for student loans Issues related to federal student loan reform H.R. 1161 & S. 2015 (116th Cong.), The Student Loan Disclosure Modernization Act H.R. 811 & S. 234 (116th Cong.), Transparency in Student Lending Act H.R. 3621 (116th Cong.), Student Borrower Credit Improvement Act H.R. 3622 (116th Cong.), Restoring Unfairly Impaired Credit and Protecting Consumers Act H.R. 2674 (116th Cong.), the College Affordability Act H.R. 5294 (116th Cong.), Student Borrower Protection Act of 2019 H.R. 2648 (116th Cong.), Student Borrower Bankruptcy Relief Act of 2019 H.R. 2498, Private Loan Disability Discharge Act of 2021 Issues related to Appropriations H.R. 4345, Financial Services and General Government Appropriations Act, 2022 H.R. 4350/S. 2792, National Defense Authorization Act for Fiscal Year 2022 S. Con. Res. 144616, A concurrent resolution setting forth the congressional budget for the United States Government for the fiscal year 2022 and setting forth the appropriate budgetary levels for fiscal years 2023 through Issues related to the Fair Credit Reporting Act H.R. 3642 (116th Cong.), Improving Credit Reporting for All Consumers Act H.R. 953 (116th Cong.), To prohibit consumer reporting agencies from including adverse information in certain consumer reports, and from making adverse determinations relating to security clearances, with respect to certain individuals affected by the Government shutdown, and for other purposes. H.R. 1500 (116th Cong.), Consumers First Act Issues related to the Comprehensive Consumer Credit Reporting Reform Act of 2019 H.R. 4120, Comprehensive Credit Reporting Enhancement, Disclosure, Innovation, and Transparency Act of 2021 Draft Legislation - Protecting Your Credit Score Act of 2021 Issues related to the Community Reinvestment Act Issues related to financial regulatory coordination Issues related to SBA 7(a) Loan Program and fees H.R. 3614 (116th Cong.), Restricting Credit Checks for Employment Decisions Act H.R. 3618 (116th Cong.), Free Credit Scores for Consumer Act of 2019 H.R. 5050 (116th Cong.), the Veterans and Consumers Fair Credit Act Issues related to the Fair Housing Act Issues related to FinTech Issues related to the E-SIGN Act S. 4159 (116th Cong.), E-SIGN Modernization Act of 2020 Issues related to the Bank Secrecy Act and Anti-Money Laundering Issues related to the Counter-Terrorism & Illicit Finance Act H.R. 2513 (116th Cong.), the Corporate Transparency Act of 2019 H.R. 2514 (116th Cong.), the Coordinating Oversight, Upgrading and Innovating Technology, and Examiner Reform Act of 2019 S. 2563 (116th Cong.), the Improving Laundering Laws and Increasing Comprehensive Information Tracking of Criminal Activity in Shell Holdings Act Issues related to Parent Companies of Industrial Banks and Industrial Loan Companies Regulations: Equal Credit Opportunity issues, Regulation B, 12 CFR Part 1002 Home Mortgage Disclosure Act Issues, Regulation C, 12 CFR Part 1003 Fair Debt Collection Practices Issues, Regulation F, 12 CFR Part 1006 Privacy Issues, 12 CFR Parts 40, 216, 332, 1016 Fair Credit Reporting Issues, 12 CFR Parts 41, 171, 334, 1022 Truth in Lending Issues, Regulation Z, 12 CFR Part 1026 Regulations related to the Dodd-Frank Act, Pub. L. No. 111-203 Issues related to the Higher Education Act Issues related to Electronic Fund Transfer Act, Regulation E, 15 U.S.C. 1693 Issues related to FDIC Deposit Insurance Issues related to the Paperwork Reduction Act Issues related to the Military Lending Act Community Reinvestment Act Regulations & Q&A issues Issues related to the Servicemembers Civil Relief Act Issues related to Small Business Act Issues related to the Bank Secrecy Act and Anti-Money Laundering rules Issues related to the Counter-Terrorism & Illicit Finance Act Issues related to Section 1033 of Dodd-Frank Issues related to CFPB Electronic Disclosures on Mobile Devices Issues related to Fintech oversight

Client expense: $790,000 · Firm income: Not reported

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

Cryptocurrency, mobile payments, fraud, data security, data storage, open banking, regulatory reform, tax reporting, payments systems, cyber-security, financial services, merchant cash advances, privacy, the Federal Reserve and big data, CFPB prepaid products rule (Prepaid Accounts Under Direct Electronic Transfer Act {Regulation E} and the Truth in Lending Act), Federal Reserve Secure Payments Task Force, Marketplace lending, H.R. 10-Financial Choice Act of 2017, H.J. Res. 62/72-Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act, S.J.Res.19 - A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act, H. R. 1801-To delay the effective date of the final rule of the Bureau of Consumer Financial Protection titled Prepaid Accounts under the Electronic Fund Transfer Act (Regulation E) and the Truth In Lending Act (Regulation Z)", S. 387-Consumer Financial Protection Bureau Accountability Act of 2017, S. 626-CFPB-IG Act of 2017. CFPB Governance Structure. H.J.Res. 111, Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Arbitration Agreements." S.J.Res. 47, A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Arbitration Agreements". H.R. 4439, Modernizing Credit Opportunities Act of 2017. H.R. 3299, Protecting Consumers' Access to Credit Act of 2017. S. 1642, Protecting Consumers' Access to Credit Act of 2017. H.R. 3354, Make America Secure & Prosperous Appropriations Act. H.R. 6743, Consumer Information Notification Requirement Act. H.R. 6850, Financial Reporting Threshold Modernization Act. "Potential Federal Reserve Actions To Support Interbank Settlement of Faster Payments, Request for Comments" (Docket # OP-1625). OCC ANPR "Reforming the Community Reinvestment Act Regulatory Framework" (Docket # OCC-2018- 0008). H.R. 1595, "SAFE Banking Act of 2019". FDIC Request for Information on Small-Dollar Lending (Docket No. RIN 3064-ZA04). S. 1200, Secure And Fair Enforcement Banking Act of 2019. H.R. 4813, Keep Big Tech Out of Finance Act. S. 2839, Eliminating Corporate Shadow Banking Act of 2019. S. 1951, Designing Accounting Safeguards To Help Broaden Oversight and Regulations on Data. H.R. 5574, "Preserving Small Business Lending Act of 2020." H.R. 6116, "Consumer Financial Protection Commission Act." S. 3548, "CARES Act." H.R. 6379, "Take Responsibility for Workers and Families Act." H.R. 748, "CARES Act." S. 3990, "Financial Product Safety Commission Act of 2020." H.R. 6886, "Paycheck Protection Program Flexibility Act of 2020." H.R. 710, "Paycheck Protection Program Flexibility Act of 2020." S.4116, "Bill to extend Paycheck Protection Program..." H.R. 8087, "Bill to extend Paycheck Protection Program..." H.R. 7777, "Paycheck Protection Small Business Forgiveness Act." H.R. 8265, "To amend the Small Business Act and the CARES Act to establish a program for second draw loans and make other modifications to the paycheck protection program and for other purposes..." S. 4614, "Postal Banking Act." H.R. 8406, "HEROS Act." H.R. 7889, "Small Business Lending Disclosure and Broker Regulation Act of 2020." OCC "True Lender." OCC "National Bank and Federal Savings Association Digital Activities." H.R. 8215, "Improving Digital Identity Act of 2020." U.S. House Committee on Financial Services' Task Force on Financial Technology and Task Force on Artificial Intelligence. S. 4999, "Emergency Direct Payments for Families and Workers Act of 2020." H.R. 8893, "Coronavirus Assistance for Americans Families Act." S. 4927, EIDL Forgiveness Act." H.R. 8827, "Stablecoin Classification and Regulation Act of 2020." S. 4800, "The Heroes Act." H.R. 8721, "Public Banking Act of 2020." S.J. Res 15, "True Lender." H.J. Res 35, "True Lender." H.R. 296, "Financial Technology Protection Act." H.R. 1602, "Eliminate Barriers to Innovation Act of 2021." H.R. 1996, "SAFE Banking Act of 2021." H.R. 2561, "Promoting Access to Capital in Underbanked Communities Act of 2021." H.R. 5045, "Blockchain Certainty Act." H.R. 4741, "Digital Asset Market Structure and Investor Protection Act," S. 3906, "Small Business Broadband and Emerging Information Technology Enhancement Act of 2022," S. 3970, "Stablecoin Transparency Act," H.R. 7231, "ECASH Act."

Client expense: $410,000 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), Council of Economic Advisers (CEA), Federal Communications Commission (FCC), Federal Reserve System, Federal Trade Commission (FTC), Financial Crimes Enforcement Network (FinCEN), HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Economic Council (NEC), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of, U.S. Trade Representative (USTR)

H.R. 748/S.3548, Coronavirus Aid, Relief, and Economic Security (CARES) Act H.R. 6886, Paycheck Protection Program Flexibility Act of 2020 H.R. 7777/S. 4117, Paycheck Protection Small Business Forgiveness Act H.R. 7894, Paycheck Protection Program Small Business Enhancement Act S. 3612, Small Business Expense Protection Act of 2020 Potential legislation providing targeted and temporary relief for small businesses in need of federal assistance to survive the COVID-19 pandemic

Client expense: $680,000 · Firm income: Not reported

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

H.R. 748/S.3548, Coronavirus Aid, Relief, and Economic Security (CARES) Act H.R. 6886, Paycheck Protection Program Flexibility Act of 2020 H.R. 7777/S. 4117, Paycheck Protection Small Business Forgiveness Act H.R. 7894, Paycheck Protection Program Small Business Enhancement Act S. 3612, Small Business Expense Protection Act of 2020 Potential legislation providing targeted and temporary relief for small businesses in need of federal assistance to survive the COVID-19 pandemic

Client expense: $680,000 · Firm income: Not reported

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

H.R. 748/S.3548, Coronavirus Aid, Relief, and Economic Security (CARES) Act H.R. 6886, Paycheck Protection Program Flexibility Act of 2020 H.R. 7777/S. 4117, Paycheck Protection Small Business Forgiveness Act H.R. 7894, Paycheck Protection Program Small Business Enhancement Act S. 3612, Small Business Expense Protection Act of 2020 Potential legislation providing targeted and temporary relief for small businesses in need of federal assistance to survive the COVID-19 pandemic

Client expense: $680,000 · Firm income: Not reported

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

H.R. 748/S.3548, Coronavirus Aid, Relief, and Economic Security (CARES) Act H.R. 6886, Paycheck Protection Program Flexibility Act of 2020 H.R. 7777/S. 4117, Paycheck Protection Small Business Forgiveness Act H.R. 7894, Paycheck Protection Program Small Business Enhancement Act S. 3612, Small Business Expense Protection Act of 2020 Potential legislation providing targeted and temporary relief for small businesses in need of federal assistance to survive the COVID-19 pandemic

Client expense: $680,000 · Firm income: Not reported

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

H.R. 748/S.3548, Coronavirus Aid, Relief, and Economic Security (CARES) Act H.R. 6886, Paycheck Protection Program Flexibility Act of 2020 H.R. 7777/S. 4117, Paycheck Protection Small Business Forgiveness Act H.R. 7894, Paycheck Protection Program Small Business Enhancement Act S. 3612, Small Business Expense Protection Act of 2020 Potential legislation providing targeted and temporary relief for small businesses in need of federal assistance to survive the COVID-19 pandemic

Client expense: $680,000 · Firm income: Not reported

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

H.R. 748/S.3548, Coronavirus Aid, Relief, and Economic Security (CARES) Act H.R. 6886, Paycheck Protection Program Flexibility Act of 2020 H.R. 7777/S. 4117, Paycheck Protection Small Business Forgiveness Act H.R. 7894, Paycheck Protection Program Small Business Enhancement Act S. 3612, Small Business Expense Protection Act of 2020 Potential legislation providing targeted and temporary relief for small businesses in need of federal assistance to survive the COVID-19 pandemic

Client expense: $680,000 · Firm income: Not reported

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

H.R. 748/S.3548, Coronavirus Aid, Relief, and Economic Security (CARES) Act H.R. 6886, Paycheck Protection Program Flexibility Act of 2020 H.R. 7777/S. 4117, Paycheck Protection Small Business Forgiveness Act H.R. 7894, Paycheck Protection Program Small Business Enhancement Act S. 3612, Small Business Expense Protection Act of 2020 Potential legislation providing targeted and temporary relief for small businesses in need of federal assistance to survive the COVID-19 pandemic

Client expense: Not reported · Firm income: $683,325

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

H.R. 748/S.3548, Coronavirus Aid, Relief, and Economic Security (CARES) Act H.R. 6886, Paycheck Protection Program Flexibility Act of 2020 H.R. 7777/S. 4117, Paycheck Protection Small Business Forgiveness Act H.R. 7894, Paycheck Protection Program Small Business Enhancement Act S. 3612, Small Business Expense Protection Act of 2020 Potential legislation providing targeted and temporary relief for small businesses in need of federal assistance to survive the COVID-19 pandemic

Client expense: Not reported · Firm income: $683,325

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

H.R. 748/S.3548, Coronavirus Aid, Relief, and Economic Security (CARES) Act H.R. 6886, Paycheck Protection Program Flexibility Act of 2020 H.R. 7777/S. 4117, Paycheck Protection Small Business Forgiveness Act H.R. 7894, Paycheck Protection Program Small Business Enhancement Act S. 3612, Small Business Expense Protection Act of 2020 Potential legislation providing targeted and temporary relief for small businesses in need of federal assistance to survive the COVID-19 pandemic

Client expense: $683,325 · Firm income: Not reported

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

H.R. 748/S.3548, Coronavirus Aid, Relief, and Economic Security (CARES) Act H.R. 6886, Paycheck Protection Program Flexibility Act of 2020 H.R. 7777/S. 4117, Paycheck Protection Small Business Forgiveness Act H.R. 7894, Paycheck Protection Program Small Business Enhancement Act S. 3612, Small Business Expense Protection Act of 2020 Potential legislation providing targeted and temporary relief for small businesses in need of federal assistance to survive the COVID-19 pandemic

Client expense: Not reported · Firm income: $683,325

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

H.R. 748/S.3548, Coronavirus Aid, Relief, and Economic Security (CARES) Act H.R. 6886, Paycheck Protection Program Flexibility Act of 2020 H.R. 7777/S. 4117, Paycheck Protection Small Business Forgiveness Act H.R. 7894, Paycheck Protection Program Small Business Enhancement Act S. 3612, Small Business Expense Protection Act of 2020 Potential legislation providing targeted and temporary relief for small businesses in need of federal assistance to survive the COVID-19 pandemic

Client expense: Not reported · Firm income: $683,325

Government targets: Agriculture, Dept of (USDA), Commerce, Dept of (DOC), Environmental Protection Agency (EPA), Federal Communications Commission (FCC), HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), Mine Safety & Health Administration (MSHA), SENATE, Small Business Administration (SBA), Transportation, Dept of (DOT), U.S. Trade Representative (USTR), White House Office

Cryptocurrency, mobile payments, fraud, data security, data storage, open banking, regulatory reform, tax reporting, payments systems, cyber-security, financial services, merchant cash advances, privacy, the Federal Reserve and big data, CFPB prepaid products rule (Prepaid Accounts Under Direct Electronic Transfer Act {Regulation E} and the Truth in Lending Act), Federal Reserve Secure Payments Task Force, Marketplace lending, H.R. 10-Financial Choice Act of 2017, H.J. Res. 62/72-Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act, S.J.Res.19 - A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act, H. R. 1801-To delay the effective date of the final rule of the Bureau of Consumer Financial Protection titled Prepaid Accounts under the Electronic Fund Transfer Act (Regulation E) and the Truth In Lending Act (Regulation Z)", S. 387-Consumer Financial Protection Bureau Accountability Act of 2017, S. 626-CFPB-IG Act of 2017. CFPB Governance Structure. H.J.Res. 111, Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Arbitration Agreements." S.J.Res. 47, A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Arbitration Agreements". H.R. 4439, Modernizing Credit Opportunities Act of 2017. H.R. 3299, Protecting Consumers' Access to Credit Act of 2017. S. 1642, Protecting Consumers' Access to Credit Act of 2017. H.R. 3354, Make America Secure & Prosperous Appropriations Act. H.R. 6743, Consumer Information Notification Requirement Act. H.R. 6850, Financial Reporting Threshold Modernization Act. "Potential Federal Reserve Actions To Support Interbank Settlement of Faster Payments, Request for Comments" (Docket # OP-1625). OCC ANPR "Reforming the Community Reinvestment Act Regulatory Framework" (Docket # OCC-2018- 0008). H.R. 1595, "SAFE Banking Act of 2019". FDIC Request for Information on Small-Dollar Lending (Docket No. RIN 3064-ZA04). S. 1200, Secure And Fair Enforcement Banking Act of 2019. H.R. 4813, Keep Big Tech Out of Finance Act. S. 2839, Eliminating Corporate Shadow Banking Act of 2019. S. 1951, Designing Accounting Safeguards To Help Broaden Oversight and Regulations on Data. H.R. 5574, "Preserving Small Business Lending Act of 2020." H.R. 6116, "Consumer Financial Protection Commission Act." S. 3548, "CARES Act." H.R. 6379, "Take Responsibility for Workers and Families Act." H.R. 748, "CARES Act." S. 3990, "Financial Product Safety Commission Act of 2020." H.R. 6886, "Paycheck Protection Program Flexibility Act of 2020." H.R. 710, "Paycheck Protection Program Flexibility Act of 2020." S.4116, "Bill to extend Paycheck Protection Program..." H.R. 8087, "Bill to extend Paycheck Protection Program..." H.R. 7777, "Paycheck Protection Small Business Forgiveness Act." H.R. 8265, "To amend the Small Business Act and the CARES Act to establish a program for second draw loans and make other modifications to the paycheck protection program and for other purposes..." S. 4614, "Postal Banking Act." H.R. 8406, "HEROS Act." H.R. 7889, "Small Business Lending Disclosure and Broker Regulation Act of 2020." OCC "True Lender." OCC "National Bank and Federal Savings Association Digital Activities." H.R. 8215, "Improving Digital Identity Act of 2020." U.S. House Committee on Financial Services' Task Force on Financial Technology and Task Force on Artificial Intelligence. S. 4999, "Emergency Direct Payments for Families and Workers Act of 2020." H.R. 8893, "Coronavirus Assistance for Americans Families Act." S. 4927, EIDL Forgiveness Act." H.R. 8827, "Stablecoin Classification and Regulation Act of 2020." S. 4800, "The Heroes Act." H.R. 8721, "Public Banking Act of 2020." S.J. Res 15, "True Lender." H.J. Res 35, "True Lender." H.R. 296, "Financial Technology Protection Act." H.R. 1602, "Eliminate Barriers to Innovation Act of 2021." H.R. 1996, "SAFE Banking Act of 2021." H.R. 2561, "Promoting Access to Capital in Underbanked Communities Act of 2021." H.R. 5045, "Blockchain Certainty Act." H.R. 4741, "Digital Asset Market Structure and Investor Protection Act."

Client expense: $410,000 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), Council of Economic Advisers (CEA), Federal Communications Commission (FCC), Federal Reserve System, Federal Trade Commission (FTC), Financial Crimes Enforcement Network (FinCEN), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Economic Council (NEC), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of, U.S. Trade Representative (USTR)

Paycheck Protection Program Small Business Forgiveness Act; H.R. 7777 and S. 4117 Take action for PPP loan forgiveness today by letting your representatives in Congress know that you support H.R. 7777 and S. 4117, the Paycheck Protection Program Small Business Forgiveness Act. If enacted, this bipartisan legislation would forgive all PPP loans of less than $150,000 upon the borrowers completion of a simple, one-page forgiveness document. Protecting the Right to Organize (PRO) Act; H.R. 842 Last month the Protecting the Right to Organize (PRO) Act, HR 842 was introduced in the House of Representatives. This bill seeks to radically rewrite our nations labor laws in favor of unions and at the expense of workers and employers. There are several troubling provisions in the law, but some of the most concerning include the following: Gives unions the power to demand employers not do business with other non-union companies Gives unions the sole determination over the manner elections are conducted-effectively eliminating secret balloting Eliminates workers rights to remove unions that have failed to adequately represent their interests Limits the ability of businesses and individuals to utilize independent contractors Bans all state right-to-work laws Eliminates the right of employers to withdraw recognition from a union, even upon evidence that all employees want the union out Mandates civil fines up to $50,000 for any unfair labor practice (double for repeat offenders), and $10,000 daily fines for non-compliance with any National Labor Relations Board order This legislation will kill jobs, strain supply chains, and significantly reduce opportunities for entrepreneurs and small businesses, and harm contractors across the country. Congress is currently considering increasing in taxes in a number of ways for small and independently owned businesses. Some of the proposed policies include the following: raising the tax rate on pass-through corporations, capping the Section 199A deduction, increasing the capital gains tax, and imposing a double tax on estate transfers after death. Obviously, these policies would increase operating expenses as contractors are already contending with issues like inflation as well as supply and labor shortages. Congress is also considering a bank account reporting requirement that would require financial institutions to send information to the IRS on accounts with over $10,000 in gross inflows/outflows. This policy would affect the majority of taxpayers and would also carry massive privacy and security implications. It would also increase tax preparation costs and create operational challenges for financial institutions

Client expense: Not reported · Firm income: Not reported

Government targets: Council on Environmental Quality (CEQ), Energy, Dept of, Environmental Protection Agency (EPA), HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), Natl Labor Relations Board (NLRB), SENATE, Small Business Administration (SBA)

Paycheck Protection Program Small Business Forgiveness Act; H.R. 7777 and S. 4117 Take action for PPP loan forgiveness today by letting your representatives in Congress know that you support H.R. 7777 and S. 4117, the Paycheck Protection Program Small Business Forgiveness Act. If enacted, this bipartisan legislation would forgive all PPP loans of less than $150,000 upon the borrowers completion of a simple, one-page forgiveness document. Protecting the Right to Organize (PRO) Act; H.R. 842 Last month the Protecting the Right to Organize (PRO) Act, HR 842 was introduced in the House of Representatives. This bill seeks to radically rewrite our nations labor laws in favor of unions and at the expense of workers and employers. There are several troubling provisions in the law, but some of the most concerning include the following: Gives unions the power to demand employers not do business with other non-union companies Gives unions the sole determination over the manner elections are conducted-effectively eliminating secret balloting Eliminates workers rights to remove unions that have failed to adequately represent their interests Limits the ability of businesses and individuals to utilize independent contractors Bans all state right-to-work laws Eliminates the right of employers to withdraw recognition from a union, even upon evidence that all employees want the union out Mandates civil fines up to $50,000 for any unfair labor practice (double for repeat offenders), and $10,000 daily fines for non-compliance with any National Labor Relations Board order This legislation will kill jobs, strain supply chains, and significantly reduce opportunities for entrepreneurs and small businesses, and harm contractors across the country.

Client expense: Not reported · Firm income: Not reported

Government targets: Council on Environmental Quality (CEQ), Energy, Dept of, Environmental Protection Agency (EPA), HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), Natl Labor Relations Board (NLRB), SENATE, Small Business Administration (SBA)

H.R. 748/S.3548, Coronavirus Aid, Relief, and Economic Security (CARES) Act H.R. 6886, Paycheck Protection Program Flexibility Act of 2020 H.R. 7777/S. 4117, Paycheck Protection Small Business Forgiveness Act H.R. 7894, Paycheck Protection Program Small Business Enhancement Act S. 3612, Small Business Expense Protection Act of 2020 Potential legislation providing targeted and temporary relief for small businesses in need of federal assistance to survive the COVID-19 pandemic

Client expense: Not reported · Firm income: $683,325

Government targets: Agriculture, Dept of (USDA), Commerce, Dept of (DOC), Environmental Protection Agency (EPA), HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), Mine Safety & Health Administration (MSHA), SENATE, Small Business Administration (SBA), Transportation, Dept of (DOT), U.S. Trade Representative (USTR), White House Office

H.R. 748/S.3548, Coronavirus Aid, Relief, and Economic Security (CARES) Act H.R. 6886, Paycheck Protection Program Flexibility Act of 2020 H.R. 7777/S. 4117, Paycheck Protection Small Business Forgiveness Act H.R. 7894, Paycheck Protection Program Small Business Enhancement Act S. 3612, Small Business Expense Protection Act of 2020 Potential legislation providing targeted and temporary relief for small businesses in need of federal assistance to survive the COVID-19 pandemic

Client expense: Not reported · Firm income: $683,325

Government targets: Agriculture, Dept of (USDA), Commerce, Dept of (DOC), Environmental Protection Agency (EPA), HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), Mine Safety & Health Administration (MSHA), SENATE, Small Business Administration (SBA), Transportation, Dept of (DOT), U.S. Trade Representative (USTR), White House Office

Mobile payments, fraud, data security, data storage, open banking, regulatory reform, tax reporting, payments systems, cyber-security, financial services, merchant cash advances, privacy, the Federal Reserve and big data, CFPB prepaid products rule (Prepaid Accounts Under Direct Electronic Transfer Act {Regulation E} and the Truth in Lending Act), Federal Reserve Secure Payments Task Force, Marketplace lending, H.R. 10-Financial Choice Act of 2017, H.J. Res. 62/72-Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act, S.J.Res.19 - A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act, H. R. 1801-To delay the effective date of the final rule of the Bureau of Consumer Financial Protection titled Prepaid Accounts under the Electronic Fund Transfer Act (Regulation E) and the Truth In Lending Act (Regulation Z)", S. 387-Consumer Financial Protection Bureau Accountability Act of 2017, S. 626-CFPB-IG Act of 2017. CFPB Governance Structure. H.J.Res. 111, Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Arbitration Agreements." S.J.Res. 47, A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Arbitration Agreements". H.R. 4439, Modernizing Credit Opportunities Act of 2017. H.R. 3299, Protecting Consumers' Access to Credit Act of 2017. S. 1642, Protecting Consumers' Access to Credit Act of 2017. H.R. 3354, Make America Secure & Prosperous Appropriations Act. H.R. 6743, Consumer Information Notification Requirement Act. H.R. 6850, Financial Reporting Threshold Modernization Act. "Potential Federal Reserve Actions To Support Interbank Settlement of Faster Payments, Request for Comments" (Docket # OP-1625). OCC ANPR "Reforming the Community Reinvestment Act Regulatory Framework" (Docket # OCC-2018- 0008). H.R. 1595, "SAFE Banking Act of 2019". FDIC Request for Information on Small-Dollar Lending (Docket No. RIN 3064-ZA04). S. 1200, Secure And Fair Enforcement Banking Act of 2019. H.R. 4813, Keep Big Tech Out of Finance Act. S. 2839, Eliminating Corporate Shadow Banking Act of 2019. S. 1951, Designing Accounting Safeguards To Help Broaden Oversight and Regulations on Data. H.R. 5574, "Preserving Small Business Lending Act of 2020." H.R. 6116, "Consumer Financial Protection Commission Act." S. 3548, "CARES Act." H.R. 6379, "Take Responsibility for Workers and Families Act." H.R. 748, "CARES Act." S. 3990, "Financial Product Safety Commission Act of 2020." H.R. 6886, "Paycheck Protection Program Flexibility Act of 2020." H.R. 710, "Paycheck Protection Program Flexibility Act of 2020." S.4116, "Bill to extend Paycheck Protection Program..." H.R. 8087, "Bill to extend Paycheck Protection Program..." H.R. 7777, "Paycheck Protection Small Business Forgiveness Act." H.R. 8265, "To amend the Small Business Act and the CARES Act to establish a program for second draw loans and make other modifications to the paycheck protection program and for other purposes..." S. 4614, "Postal Banking Act." H.R. 8406, "HEROS Act." H.R. 7889, "Small Business Lending Disclosure and Broker Regulation Act of 2020." OCC "True Lender." OCC "National Bank and Federal Savings Association Digital Activities." H.R. 8215, "Improving Digital Identity Act of 2020." U.S. House Committee on Financial Services' Task Force on Financial Technology and Task Force on Artificial Intelligence. S. 4999, "Emergency Direct Payments for Families and Workers Act of 2020." H.R. 8893, "Coronavirus Assistance for Americans Families Act." S. 4927, EIDL Forgiveness Act." H.R. 8827, "Stablecoin Classification and Regulation Act of 2020." S. 4800, "The Heroes Act." H.R. 8721, "Public Banking Act of 2020." S.J. Res 15, "True Lender." H.J. Res 35, "True Lender." H.R. 296, "Financial Technology Protection Act." H.R. 1602, "Eliminate Barriers to Innovation Act of 2021." H.R. 1996, "SAFE Banking Act of 2021." H.R. 2561, "Promoting Access to Capital in Underbanked Communities Act of 2021." H.R. 5045, "Blockchain Certainty Act."

Client expense: $230,000 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), Council of Economic Advisers (CEA), Federal Communications Commission (FCC), Federal Reserve System, Federal Trade Commission (FTC), Financial Crimes Enforcement Network (FinCEN), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Economic Council (NEC), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of, U.S. Trade Representative (USTR)

H.R. 748/S.3548, Coronavirus Aid, Relief, and Economic Security (CARES) Act H.R. 6886, Paycheck Protection Program Flexibility Act of 2020 H.R. 7777/S. 4117, Paycheck Protection Small Business Forgiveness Act H.R. 7894, Paycheck Protection Program Small Business Enhancement Act S. 3612, Small Business Expense Protection Act of 2020 Potential legislation providing targeted and temporary relief for small businesses in need of federal assistance to survive the COVID-19 pandemic

Client expense: Not reported · Firm income: $683,325

Government targets: Agriculture, Dept of (USDA), Commerce, Dept of (DOC), Environmental Protection Agency (EPA), HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), Mine Safety & Health Administration (MSHA), SENATE, Small Business Administration (SBA), Transportation, Dept of (DOT), U.S. Trade Representative (USTR), White House Office

H.R. 748/S.3548, Coronavirus Aid, Relief, and Economic Security (CARES) Act H.R. 6886, Paycheck Protection Program Flexibility Act of 2020 H.R. 7777/S. 4117, Paycheck Protection Small Business Forgiveness Act H.R. 7894, Paycheck Protection Program Small Business Enhancement Act S. 3612, Small Business Expense Protection Act of 2020 Potential legislation providing targeted and temporary relief for small businesses in need of federal assistance to survive the COVID-19 pandemic

Client expense: Not reported · Firm income: $683,325

Government targets: Agriculture, Dept of (USDA), Commerce, Dept of (DOC), Environmental Protection Agency (EPA), HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), Mine Safety & Health Administration (MSHA), SENATE, Small Business Administration (SBA), Transportation, Dept of (DOT), U.S. Trade Representative (USTR), White House Office

Mobile payments, fraud, data security, data storage, open banking, regulatory reform, tax reporting, payments systems, cyber-security, financial services, merchant cash advances, privacy, the Federal Reserve and big data, CFPB prepaid products rule (Prepaid Accounts Under Direct Electronic Transfer Act {Regulation E} and the Truth in Lending Act), Federal Reserve Secure Payments Task Force, Marketplace lending, H.R. 10-Financial Choice Act of 2017, H.J. Res. 62/72-Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act, S.J.Res.19 - A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act, H. R. 1801-To delay the effective date of the final rule of the Bureau of Consumer Financial Protection titled Prepaid Accounts under the Electronic Fund Transfer Act (Regulation E) and the Truth In Lending Act (Regulation Z)", S. 387-Consumer Financial Protection Bureau Accountability Act of 2017, S. 626-CFPB-IG Act of 2017. CFPB Governance Structure. H.J.Res. 111, Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Arbitration Agreements." S.J.Res. 47, A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Arbitration Agreements". H.R. 4439, Modernizing Credit Opportunities Act of 2017. H.R. 3299, Protecting Consumers' Access to Credit Act of 2017. S. 1642, Protecting Consumers' Access to Credit Act of 2017. H.R. 3354, Make America Secure & Prosperous Appropriations Act. H.R. 6743, Consumer Information Notification Requirement Act. H.R. 6850, Financial Reporting Threshold Modernization Act. "Potential Federal Reserve Actions To Support Interbank Settlement of Faster Payments, Request for Comments" (Docket # OP-1625). OCC ANPR "Reforming the Community Reinvestment Act Regulatory Framework" (Docket # OCC-2018- 0008). H.R. 1595, "SAFE Banking Act of 2019". FDIC Request for Information on Small-Dollar Lending (Docket No. RIN 3064-ZA04). S. 1200, Secure And Fair Enforcement Banking Act of 2019. H.R. 4813, Keep Big Tech Out of Finance Act. S. 2839, Eliminating Corporate Shadow Banking Act of 2019. S. 1951, Designing Accounting Safeguards To Help Broaden Oversight and Regulations on Data. H.R. 5574, "Preserving Small Business Lending Act of 2020." H.R. 6116, "Consumer Financial Protection Commission Act." S. 3548, "CARES Act." H.R. 6379, "Take Responsibility for Workers and Families Act." H.R. 748, "CARES Act." S. 3990, "Financial Product Safety Commission Act of 2020." H.R. 6886, "Paycheck Protection Program Flexibility Act of 2020." H.R. 710, "Paycheck Protection Program Flexibility Act of 2020." S.4116, "Bill to extend Paycheck Protection Program..." H.R. 8087, "Bill to extend Paycheck Protection Program..." H.R. 7777, "Paycheck Protection Small Business Forgiveness Act." H.R. 8265, "To amend the Small Business Act and the CARES Act to establish a program for second draw loans and make other modifications to the paycheck protection program and for other purposes..." S. 4614, "Postal Banking Act." H.R. 8406, "HEROS Act." H.R. 7889, "Small Business Lending Disclosure and Broker Regulation Act of 2020." OCC "True Lender." OCC "National Bank and Federal Savings Association Digital Activities." H.R. 8215, "Improving Digital Identity Act of 2020." U.S. House Committee on Financial Services' Task Force on Financial Technology and Task Force on Artificial Intelligence. S. 4999, "Emergency Direct Payments for Families and Workers Act of 2020." H.R. 8893, "Coronavirus Assistance for Americans Families Act." S. 4927, EIDL Forgiveness Act." H.R. 8827, "Stablecoin Classification and Regulation Act of 2020." S. 4800, "The Heroes Act." H.R. 8721, "Public Banking Act of 2020." S.J. Res 15, "True Lender." H.J. Res 35, "True Lender." H.R. 296, "Financial Technology Protection Act." H.R. 1602, "Eliminate Barriers to Innovation Act of 2021." H.R. 1996, "SAFE Banking Act of 2021." H.R. 2561, "Promoting Access to Capital in Underbanked Communities Act of 2021."

Client expense: $230,000 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), Council of Economic Advisers (CEA), Federal Communications Commission (FCC), Federal Reserve System, Federal Trade Commission (FTC), Financial Crimes Enforcement Network (FinCEN), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Economic Council (NEC), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of, U.S. Trade Representative (USTR)

Paycheck Protection Program Small Business Forgiveness Act; H.R. 7777 and S. 4117 Take action for PPP loan forgiveness today by letting your representatives in Congress know that you support H.R. 7777 and S. 4117, the Paycheck Protection Program Small Business Forgiveness Act. If enacted, this bipartisan legislation would forgive all PPP loans of less than $150,000 upon the borrowers completion of a simple, one-page forgiveness document. Protecting the Right to Organize (PRO) Act; H.R. 842 Last month the Protecting the Right to Organize (PRO) Act, HR 842 was introduced in the House of Representatives. This bill seeks to radically rewrite our nations labor laws in favor of unions and at the expense of workers and employers. There are several troubling provisions in the law, but some of the most concerning include the following: Gives unions the power to demand employers not do business with other non-union companies Gives unions the sole determination over the manner elections are conducted-effectively eliminating secret balloting Eliminates workers rights to remove unions that have failed to adequately represent their interests Limits the ability of businesses and individuals to utilize independent contractors Bans all state right-to-work laws Eliminates the right of employers to withdraw recognition from a union, even upon evidence that all employees want the union out Mandates civil fines up to $50,000 for any unfair labor practice (double for repeat offenders), and $10,000 daily fines for non-compliance with any National Labor Relations Board order This legislation will kill jobs, strain supply chains, and significantly reduce opportunities for entrepreneurs and small businesses, and harm contractors across the country.

Client expense: Not reported · Firm income: Not reported

Government targets: Council on Environmental Quality (CEQ), Energy, Dept of, Environmental Protection Agency (EPA), HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), Natl Labor Relations Board (NLRB), SENATE, Small Business Administration (SBA)

Paycheck Protection Program Small Business Forgiveness Act; H.R. 7777 and S. 4117 Take action for PPP loan forgiveness today by letting your representatives in Congress know that you support H.R. 7777 and S. 4117, the Paycheck Protection Program Small Business Forgiveness Act. If enacted, this bipartisan legislation would forgive all PPP loans of less than $150,000 upon the borrowers completion of a simple, one-page forgiveness document. Protecting the Right to Organize (PRO) Act; H.R. 842 Last month the Protecting the Right to Organize (PRO) Act, HR 842 was introduced in the House of Representatives. This bill seeks to radically rewrite our nations labor laws in favor of unions and at the expense of workers and employers. There are several troubling provisions in the law, but some of the most concerning include the following: Gives unions the power to demand employers not do business with other non-union companies Gives unions the sole determination over the manner elections are conducted-effectively eliminating secret balloting Eliminates workers rights to remove unions that have failed to adequately represent their interests Limits the ability of businesses and individuals to utilize independent contractors Bans all state right-to-work laws Eliminates the right of employers to withdraw recognition from a union, even upon evidence that all employees want the union out Mandates civil fines up to $50,000 for any unfair labor practice (double for repeat offenders), and $10,000 daily fines for non-compliance with any National Labor Relations Board order This legislation will kill jobs, strain supply chains, and significantly reduce opportunities for entrepreneurs and small businesses, and harm contractors across the country.

Client expense: Not reported · Firm income: Not reported

Government targets: Council on Environmental Quality (CEQ), Energy, Dept of, Environmental Protection Agency (EPA), HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), Natl Labor Relations Board (NLRB), SENATE, Small Business Administration (SBA)

Mobile payments, fraud, data security, data storage, open banking, regulatory reform, tax reporting, payments systems, cyber-security, financial services, merchant cash advances, privacy, the Federal Reserve and big data, CFPB prepaid products rule (Prepaid Accounts Under Direct Electronic Transfer Act {Regulation E} and the Truth in Lending Act), Federal Reserve Secure Payments Task Force, Marketplace lending, H.R. 10-Financial Choice Act of 2017, H.J. Res. 62/72-Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act, S.J.Res.19 - A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act, H. R. 1801-To delay the effective date of the final rule of the Bureau of Consumer Financial Protection titled Prepaid Accounts under the Electronic Fund Transfer Act (Regulation E) and the Truth In Lending Act (Regulation Z)", S. 387-Consumer Financial Protection Bureau Accountability Act of 2017, S. 626-CFPB-IG Act of 2017. CFPB Governance Structure. H.J.Res. 111, Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Arbitration Agreements." S.J.Res. 47, A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Arbitration Agreements". H.R. 4439, Modernizing Credit Opportunities Act of 2017. H.R. 3299, Protecting Consumers' Access to Credit Act of 2017. S. 1642, Protecting Consumers' Access to Credit Act of 2017. H.R. 3354, Make America Secure & Prosperous Appropriations Act. H.R. 6743, Consumer Information Notification Requirement Act. H.R. 6850, Financial Reporting Threshold Modernization Act. "Potential Federal Reserve Actions To Support Interbank Settlement of Faster Payments, Request for Comments" (Docket # OP-1625). OCC ANPR "Reforming the Community Reinvestment Act Regulatory Framework" (Docket # OCC-2018- 0008). H.R. 1595, "SAFE Banking Act of 2019". FDIC Request for Information on Small-Dollar Lending (Docket No. RIN 3064-ZA04). S. 1200, Secure And Fair Enforcement Banking Act of 2019. H.R. 4813, Keep Big Tech Out of Finance Act. S. 2839, Eliminating Corporate Shadow Banking Act of 2019. S. 1951, Designing Accounting Safeguards To Help Broaden Oversight and Regulations on Data. H.R. 5574, "Preserving Small Business Lending Act of 2020." H.R. 6116, "Consumer Financial Protection Commission Act." S. 3548, "CARES Act." H.R. 6379, "Take Responsibility for Workers and Families Act." H.R. 748, "CARES Act." S. 3990, "Financial Product Safety Commission Act of 2020." H.R. 6886, "Paycheck Protection Program Flexibility Act of 2020." H.R. 710, "Paycheck Protection Program Flexibility Act of 2020." S.4116, "Bill to extend Paycheck Protection Program..." H.R. 8087, "Bill to extend Paycheck Protection Program..." H.R. 7777, "Paycheck Protection Small Business Forgiveness Act." H.R. 8265, "To amend the Small Business Act and the CARES Act to establish a program for second draw loans and make other modifications to the paycheck protection program and for other purposes..." S. 4614, "Postal Banking Act." H.R. 8406, "HEROS Act." H.R. 7889, "Small Business Lending Disclosure and Broker Regulation Act of 2020." OCC "True Lender." OCC "National Bank and Federal Savings Association Digital Activities." H.R. 8215, "Improving Digital Identity Act of 2020." U.S. House Committee on Financial Services' Task Force on Financial Technology and Task Force on Artificial Intelligence. S. 4999, "Emergency Direct Payments for Families and Workers Act of 2020." H.R. 8893, "Coronavirus Assistance for Americans Families Act." S. 4927, EIDL Forgiveness Act." H.R. 8827, "Stablecoin Classification and Regulation Act of 2020." S. 4800, "The Heroes Act." H.R. 8721, "Public Banking Act of 2020." S.J. Res 15, "True Lender." H.J. Res 35, "True Lender." H.R. 296, "Financial Technology Protection Act." H.R. 1602, "Eliminate Barriers to Innovation Act of 2021." H.R. 1996, "SAFE Banking Act of 2021."

Client expense: $230,000 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), Council of Economic Advisers (CEA), Federal Communications Commission (FCC), Federal Reserve System, Federal Trade Commission (FTC), Financial Crimes Enforcement Network (FinCEN), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Economic Council (NEC), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of, U.S. Trade Representative (USTR)

Issues related to the implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 (Public Law 111-203), capital and liquidity standards; and Section 171 (Leverage and Risk-Based Capital Requirements) Issues related to the enhanced supplementary leverage ratio Issues related to the capital surcharge for global systemically important banks Issues related to the Stress Capital Buffer framework Prudential regulatory matters with the U.S. agencies and international standard-setting bodies, including Basel III capital and liquidity framework Issues related to the OCCs NPRM regarding fair access to financial services Public Law 117-6 - PPP Extension Act of 2021 S.__ - To provide that all persons shall be entitled to the full and equal enjoyment of the goods, services, facilities, privileges, and accommodations of financial institutions S. 2903 / H.R. 5194 - Climate Change Financial Risk Act of 2019 H.R. 4966 - Greater Supervision In Banking Act of 2019 or GSIB Act of 2019 H.R. __ - To deem certain references to the London Interbank Offered Rate (LIBOR) as referring to a replacement benchmark rate if LIBOR is no longer available, and for other purposes S. 4117 / H.R. 7777 - Paycheck Protection Small Business Forgiveness Act H.R. 5084 - Improving Corporate Governance through Diversity Act of 2019 S.4775 - Delivering Immediate Relief to Americas Families, Schools, and Small Business Act

Client expense: $560,000 · Firm income: Not reported

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

H.R. 748/S.3548, Coronavirus Aid, Relief, and Economic Security (CARES) Act H.R. 6886, Paycheck Protection Program Flexibility Act of 2020 H.R. 7777/S. 4117, Paycheck Protection Small Business Forgiveness Act H.R. 7894, Paycheck Protection Program Small Business Enhancement Act S. 3612, Small Business Expense Protection Act of 2020 Potential legislation providing targeted and temporary relief for small businesses in need of federal assistance to survive the COVID-19 pandemic

Client expense: Not reported · Firm income: $683,325

Government targets: Agriculture, Dept of (USDA), Commerce, Dept of (DOC), Environmental Protection Agency (EPA), HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), Mine Safety & Health Administration (MSHA), SENATE, Small Business Administration (SBA), Transportation, Dept of (DOT), U.S. Trade Representative (USTR), White House Office

H.R. 748/S.3548, Coronavirus Aid, Relief, and Economic Security (CARES) Act H.R. 6886, Paycheck Protection Program Flexibility Act of 2020 H.R. 7777/S. 4117, Paycheck Protection Small Business Forgiveness Act H.R. 7894, Paycheck Protection Program Small Business Enhancement Act S. 3612, Small Business Expense Protection Act of 2020 Potential legislation providing targeted and temporary relief for small businesses in need of federal assistance to survive the COVID-19 pandemic

Client expense: $680,000 · Firm income: Not reported

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

Promote small business development and growth Support small business regulatory modernization Support small business and sharing economy financial literacy H.R. 6800, HEROES Act Implementation of the CARES Act (Public Law No: 116-136) Implementation of Public Law No. 116-147 (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.4177/H.R. 7777, Paycheck Protection Small Business Forgiveness Act S.4317 - S.4324, The HEALS Act

Client expense: $740,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Small Business Administration (SBA), Treasury, Dept of

Advocate for S. 4117 and H.R. 7777, the Paycheck Protection Program Small Business Forgiveness Act, which would forgive PPP loans of less than $150,000 upon the borrowers completion of a simple, one-page forgiveness document. Simplifying the loan forgiveness process would alleviate hours of paperwork for borrowers. A variation of this act has been included in the Senate and House proposed COVID bills.

Client expense: $15,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Environmental Protection Agency (EPA), Federal Motor Carrier Safety Administration, HOUSE OF REPRESENTATIVES, SENATE, Transportation, Dept of (DOT)

Engaged with both legislative chambers and CMS in order to prevent CMS proposed steep cuts to Medicare in 2021 (projected 9% cut for physical therapy) by providing a one-time exemption from the currently mandated Medicare Physician Fee Schedule budget neutrality rules triggered by the re-weighting of the office/outpatient Evaluation & Management (E/M) Codes or other policy options to drastically reduce the cut to Medicare reimbursement. This was achieved by writing letters to Congress as well as supporting client's efforts to endorse and advocate for The Outpatient Therapy Modernization and Stabilization Act (H.R. 7154) would allow PT, OT, and SLP professionals, and facilities that provide outpatient therapy to bill Medicare for outpatient therapy services furnished via telehealth, modify the plan of care certification requirement in order to reduce administrative burden and delays in care; and prevent CMS proposed steep cuts to Medicare in 2021 by providing a one-time exemption from the currently mandated Medicare Physician Fee Schedule budget neutrality rules triggered by the re-weighting of the office/outpatient Evaluation & Management (E/M) Codes. Summarized impact of CMS 2021 Medicare Physician Fee Schedule final rule upon PPS members. Engaged with lawmakers and their staff as well as CMS in order to achieve Medicare coverage of PT provided via telehealth. Advised clients on the impacts of COVID-19 related legislation such as FFCRA, CARES (the PPP and other features), PPPFA, Consolidated Appropriations Act, etc. Successfully lobbied Congressional to clarify that forgiven PPP expenses also be tax deductible. Sent letter to Congressional leadership asking that Provider Relief Fund payments be tax free. Successfully advocated for the inclusion of language from S.4117/H.R.7777 in order to facilitate a one-page form EZ PPP loan forgiveness process for PPP loans of $150,000 or less in the Consolidated Appropriations Act. Advocated successfully for the delay of the reinstatement of the 2% Medicare sequester cut (a derivative of H.R.8840 which called for a delay for the duration of the public health emergency)

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

Government targets: Centers For Medicare and Medicaid Services (CMS), HOUSE OF REPRESENTATIVES, SENATE

HR 2513 / S. 1978 - Beneficial Ownership S. 2563 - Illicit Cash Act S. 3111 - Brokered Deposit reform S. 3108 - Brokered Deposit reform HR 4501 - Brokered Deposit reform COVID-19-related legislation including PPP and EIP (ongoing) S. 3962 - Brokered Deposit Reform S. 3833 - Paycheck Protection Program Extension Act S. 4117 / H.R. 7777 - PPP Forgiveness HR 7753 - Global Investment in American Jobs Act Covered Business Method Review Extension Legislation Lobbying Disclosure Issues Related to FARA and LDA Reference Rate Transition Legislation

Client expense: $190,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Small Business Administration (SBA), Treasury, Dept of

Payroll Protection Plan Loans: NAPEO lobbied Congress on the following legislation - H.R. 7777/S. 4117: to forgive all PPP loans of $150,000 or less; H.R. 6800 (HEROs ACT)/H.R. 6697, The Local Chamber, Tourism, and 501(c)(6) Protection Act of 2020 - provision in HEROs Act that would allow 501(c)(6) organizations to be eligible for PPP loans/H.R. 6697 would do the same; H.R. 8265 which would amend the Small Business Act and the CARES Act to establish a program for second draw loans and make other modifications to the paycheck protection program; and Asked the Small Business Administration to reinforce its regulations and guidance stating that a 941 was not necessary for a small business to apply for and obtain PPP Loan forgiveness and that a statement from a 3rd party payroll provider was sufficient.

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

Government targets: HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), SENATE, Small Business Administration (SBA)

Modifications and extensions related to Paycheck Protection Program: S. 3612/H.R. 6821, Small Business Expense Protection Act (would allow businesses to deduct expenses paid for with forgiven PPP loans) S. 4321, Continuing Small Business Recovery and Paycheck Protection Program Act (expands forgivable expenses, includes additional funding for second draw PPP loans, and provides a simplified forgiveness application and process for loans under $150,000 and between $150,000 and $2 million) S. 4117/H.R. 7777, Paycheck Protection Small Business Forgiveness Act (provides automatic forgiveness for PPP loans not exceeding $150,000 if the recipient submits a one-page form certifying program compliance) H.R. 8807, a bill to authorize second draw PPP loans COVID-19 recovery

Client expense: Not reported · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 3157, Working Families Tax Relief Act of 2019, in support of expanding the earned income and child tax credits; S. 3814/H.R. 7481, RESTART Act, in opposition to limiting the amount of loan forgiveness to nonprofits; S. 3742/H.R. 6901, RELIEF for Main Street Act, in support of relief for large and mid-size nonprofits during the COVID-19 pandemic; S. 4117/H.R. 7777, Paycheck Protection Small Business Forgiveness Act, in support of full loan forgiveness for nonprofits; In support of a second PPP for all nonprofits with full loan forgiveness; In opposition to the definition of gross receipts; In opposition to SBA Form 3510, the PPP Loan Necessity Questionnaire (Non-Profit Borrowers).

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Small Business Administration (SBA), White House Office

General issues related to small business Repeal of the Estate Tax (also TAX issue) Issues related to the White House Conference on Small Business Issues related to small business federal procurement Coronavirus Aid, Relief, and Economic Security (CARES) Act (H.R.748) (also TAX issue) Families First Coronavirus Response Act (H.R.6201) (also LBR issue) Improving Laundering Laws and Increasing Comprehensive Information Tracking of Criminal Activity in Shell Holdings Act (ILLICIT CASH Act, S.2563) Issues related to Beneficial Ownership in the FY20 National Defense Authorization Act Paycheck Protection Program Small Business Forgiveness Act (S.4117) Every Worker Protection Act of 2020 (H.R.6559/H.R.7777) Continuing Small Business Recovery and Paycheck Protection Program Act (S.4321) SAFE TO WORK Act (S.4317) To amend the Small Business Act and the CARES Act to establish a program for second draw loans and make other modifications to the paycheck protection program, and for other purposes (H.R.8265) Consolidated Appropriations Act, 2021 (H.R.133) (also BUD, TAX, LBR issue)

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

Government targets: Bureau of Labor Statistics (BLS), Education, Dept of, General Services Administration (GSA), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Internal Revenue Service (IRS), Labor, Dept of (DOL), Natl Labor Relations Board (NLRB), Occupational Safety & Health Administration (OSHA), SENATE, Small Business Administration (SBA), Treasury, Dept of, White House Office

H.R. 7777/S. 4117, Paycheck Protection Small Business Forgiveness Act, all provisions; Issues pertaining to SBA 7(a) and 504 programs and small business lending in general.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Small Business Administration (SBA), Treasury, Dept of

Small Business Administration 7(a) loan program - program policy, appropriations and authorization level; Paycheck Protection Program - program policy, implementation; CARES Act [PL 116-136]; PPP Flexibility Act of 2020 [PL 116-142]; 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 [PL 116-147]; H.R. 6886, Paycheck Protection Program Flexibility Act of 2020; S. 3833, Paycheck Protection Program Extension Act; S. 3782, Small Business Lending Continuity Act of 2020; S. 4014/H.R. 7241, Prioritized Paycheck Protection Program (P4) Act; S. 3604, Transparency and Oversight of COVID-19 Small Business Assistance Act; H.R. 6800, The Heroes Act; H.R. 8406, The Heroes Act; H.R. 925, The Heroes Act; H.R. 6782, Small Business Transparency and Reporting for the Underbanked and Taxpayers at Home (TRUTH) Act; S. ____, The Immediate Measures to Protect Against COVID-19 Threats for Small Businesses Act of 2020 [DRAFT]; Health, Economic Assistance, Liability Protection, and Schools Act (HEALS Act); S.4321 - Continuing Small Business Recovery and Paycheck Protection Program Act; S.4117 - Paycheck Protection Small Business Forgiveness Act/H.R.7777 - Paycheck Protection Small Business Forgiveness Act; S. 4775, Delivering Immediate Relief to Americas Families, Schools and Small Businesses Act; S.3814 - RESTART Act; H.R.7481 - RESTART Act; S.4676 - A bill to improve the debt relief program under the CARES Act, and for other purposes; H.R.8376 - To improve the debt relief program under the CARES Act, and for other purposes; H.R.8265 - To amend the Small Business Act and the CARES Act to establish a program for second draw loans and make other modifications to the paycheck protection program, and for other purposes; H.R.8087 - To amend the Small Business Act and the CARES Act to establish a program for second draw loans and make other modifications to the paycheck protection program, and for other purposes; Economic Aid to Hard-Hit Small Businesses, Nonprofits, and Venues Act (Economic Aid Act)/ Consolidated Appropriations Act, 2021 [P.L. 116-260]

Client expense: $420,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Office of Management & Budget (OMB), SENATE, Small Business Administration (SBA), Treasury, Dept of

Small Business Administration 7(a) loan program - program policy, appropriations and authorization level; Paycheck Protection Program - program policy, implementation; CARES Act [PL 116-136]; PPP Flexibility Act of 2020 [PL 116-142]; 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 [PL 116-147]; H.R. 6886, Paycheck Protection Program Flexibility Act of 2020; S. 3833, Paycheck Protection Program Extension Act; S. 3782, Small Business Lending Continuity Act of 2020; S. 4014/H.R. 7241, Prioritized Paycheck Protection Program (P4) Act; S. 3604, Transparency and Oversight of COVID-19 Small Business Assistance Act; H.R. 6800, The Heroes Act; H.R. 8406, The Heroes Act; H.R. 925, The Heroes Act; H.R. 6782, Small Business Transparency and Reporting for the Underbanked and Taxpayers at Home (TRUTH) Act; S. ____, The Immediate Measures to Protect Against COVID-19 Threats for Small Businesses Act of 2020 [DRAFT]; Health, Economic Assistance, Liability Protection, and Schools Act (HEALS Act); S.4321 - Continuing Small Business Recovery and Paycheck Protection Program Act; S.4117 - Paycheck Protection Small Business Forgiveness Act/H.R.7777 - Paycheck Protection Small Business Forgiveness Act; S. 4775, Delivering Immediate Relief to Americas Families, Schools and Small Businesses Act; S.3814 - RESTART Act; H.R.7481 - RESTART Act; S.4676 - A bill to improve the debt relief program under the CARES Act, and for other purposes; H.R.8376 - To improve the debt relief program under the CARES Act, and for other purposes; H.R.8265 - To amend the Small Business Act and the CARES Act to establish a program for second draw loans and make other modifications to the paycheck protection program, and for other purposes; H.R.8087 - To amend the Small Business Act and the CARES Act to establish a program for second draw loans and make other modifications to the paycheck protection program, and for other purposes; Economic Aid to Hard-Hit Small Businesses, Nonprofits, and Venues Act (Economic Aid Act)/ Consolidated Appropriations Act, 2021 [P.L. 116-260]

Client expense: $420,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Office of Management & Budget (OMB), SENATE, Small Business Administration (SBA), Treasury, Dept of

Small Business Administration 7(a) loan program - program policy, appropriations and authorization level; Paycheck Protection Program - program policy, implementation; CARES Act [PL 116-136]; PPP Flexibility Act of 2020 [PL 116-142]; 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 [PL 116-147]; H.R. 6886, Paycheck Protection Program Flexibility Act of 2020; S. 3833, Paycheck Protection Program Extension Act; S. 3782, Small Business Lending Continuity Act of 2020; S. 4014/H.R. 7241, Prioritized Paycheck Protection Program (P4) Act; S. 3604, Transparency and Oversight of COVID-19 Small Business Assistance Act; H.R. 6800, The Heroes Act; H.R. 8406, The Heroes Act; H.R. 925, The Heroes Act; H.R. 6782, Small Business Transparency and Reporting for the Underbanked and Taxpayers at Home (TRUTH) Act; S. ____, The Immediate Measures to Protect Against COVID-19 Threats for Small Businesses Act of 2020 [DRAFT]; Health, Economic Assistance, Liability Protection, and Schools Act (HEALS Act); S.4321 - Continuing Small Business Recovery and Paycheck Protection Program Act; S.4117 - Paycheck Protection Small Business Forgiveness Act/H.R.7777 - Paycheck Protection Small Business Forgiveness Act; S. 4775, Delivering Immediate Relief to Americas Families, Schools and Small Businesses Act; S.3814 - RESTART Act; H.R.7481 - RESTART Act; S.4676 - A bill to improve the debt relief program under the CARES Act, and for other purposes; H.R.8376 - To improve the debt relief program under the CARES Act, and for other purposes; H.R.8265 - To amend the Small Business Act and the CARES Act to establish a program for second draw loans and make other modifications to the paycheck protection program, and for other purposes; H.R.8087 - To amend the Small Business Act and the CARES Act to establish a program for second draw loans and make other modifications to the paycheck protection program, and for other purposes; Economic Aid to Hard-Hit Small Businesses, Nonprofits, and Venues Act (Economic Aid Act)/ Consolidated Appropriations Act, 2021 [P.L. 116-260]

Client expense: $420,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Office of Management & Budget (OMB), SENATE, Small Business Administration (SBA), Treasury, Dept of

The Families First Coronavirus Response Act; H.R. 748 (H.R. 6201/Public Law No: 116-127); The Coronavirus Aid, Relief, and Economic Security (CARES) Act (H.R. 748/ Public Law No: 116-136); issues related to business interruption insurance and COVID-19; Small Business Comeback Act (H.R. 7671); Paycheck Protection Program and Health Care Enhancement Act (H.R. 266); the Paycheck Protection Program Flexibility Act (H.R. 7010); the Health and Economic Recovery Omnibus Emergency Solutions (HEROES) Act (H.R.6800); regulatory and legislative reforms to the Paycheck Protection Program, including comments on the IFR on Additional Revisions to Loan Forgiveness and Loan Review Procedures (SBA-2020-0052); 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 (S. 4116/Public Law No. 116-147); The Paycheck Protection Program Small Business Forgiveness Act (S. 4117/H.R. 7777); COVID-related business liability protections; the SAFE TO WORK (Safeguarding Americas Frontline Employees To Offer Work Opportunities to Kickstart the Economy) Act (S. 4317)

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

Government targets: Centers For Medicare and Medicaid Services (CMS), Federal Emergency Management Agency (FEMA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Internal Revenue Service (IRS), Labor, Dept of (DOL), Risk Management Agency, SENATE, Small Business Administration (SBA), Treasury, Dept of

H.R. 133, the Consolidated Appropriations Act, 2021, to make consolidated appropriations for the fiscal year ending September 30, 2021, providing coronavirus emergency response and relief, and for other purposes; Division N, Title III reauthorizing the Paycheck Protection Program and providing other assistance to small businesses impacted by the COVID-19 public health emergency. H.R.7777, the Paycheck Protection Small Business Forgiveness Act, to provide automatic forgiveness for paycheck protection program loans under $150,000, and for other purposes; entire bill. S.4117, the Paycheck Protection Small Business Forgiveness Act, to provide automatic forgiveness for Paycheck Protection Program loans under $150,000, and for other purposes; entire bill.

Client expense: $180,000 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), Federal Housing Finance Agency (FHFA), Financial Crimes Enforcement Network (FinCEN), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE, Treasury, Dept of

Mobile payments, fraud, data security, data storage, open banking, regulatory reform, tax reporting, payments systems, cyber-security, financial services, merchant cash advances, privacy, the Federal Reserve and big data, CFPB prepaid products rule (Prepaid Accounts Under Direct Electronic Transfer Act {Regulation E} and the Truth in Lending Act), Federal Reserve Secure Payments Task Force, Marketplace lending, H.R. 10-Financial Choice Act of 2017, H.J. Res. 62/72-Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act, S.J.Res.19 - A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act, H. R. 1801-To delay the effective date of the final rule of the Bureau of Consumer Financial Protection titled Prepaid Accounts under the Electronic Fund Transfer Act (Regulation E) and the Truth In Lending Act (Regulation Z)", S. 387-Consumer Financial Protection Bureau Accountability Act of 2017, S. 626-CFPB-IG Act of 2017. CFPB Governance Structure. H.J.Res. 111, Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Arbitration Agreements." S.J.Res. 47, A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Arbitration Agreements". H.R. 4439, Modernizing Credit Opportunities Act of 2017. H.R. 3299, Protecting Consumers' Access to Credit Act of 2017. S. 1642, Protecting Consumers' Access to Credit Act of 2017. H.R. 3354, Make America Secure & Prosperous Appropriations Act. H.R. 6743, Consumer Information Notification Requirement Act. H.R. 6850, Financial Reporting Threshold Modernization Act. "Potential Federal Reserve Actions To Support Interbank Settlement of Faster Payments, Request for Comments" (Docket # OP-1625). OCC ANPR "Reforming the Community Reinvestment Act Regulatory Framework" (Docket # OCC-2018-0008). H.R. 1595, "SAFE Banking Act of 2019". FDIC Request for Information on Small-Dollar Lending (Docket No. RIN 3064-ZA04). S. 1200, Secure And Fair Enforcement Banking Act of 2019. H.R. 4813, Keep Big Tech Out of Finance Act. S. 2839, Eliminating Corporate Shadow Banking Act of 2019. S. 1951, Designing Accounting Safeguards To Help Broaden Oversight and Regulations on Data. H.R. 5574, "Preserving Small Business Lending Act of 2020." H.R. 6116, "Consumer Financial Protection Commission Act." S. 3548, "CARES Act." H.R. 6379, "Take Responsibility for Workers and Families Act." H.R. 748, "CARES Act." S. 3990, "Financial Product Safety Commission Act of 2020." H.R. 6886, "Paycheck Protection Program Flexibility Act of 2020." H.R. 710, "Paycheck Protection Program Flexibility Act of 2020." S.4116, "Bill to extend Paycheck Protection Program..." H.R. 8087, "Bill to extend Paycheck Protection Program..." H.R. 7777, "Paycheck Protection Small Business Forgiveness Act." H.R. 8265, "To amend the Small Business Act and the CARES Act to establish a program for second draw loans and make other modifications to the paycheck protection program and for other purposes..." S. 4614, "Postal Banking Act." H.R. 8406, "HEROS Act." H.R. 7889, "Small Business Lending Disclosure and Broker Regulation Act of 2020." OCC "True Lender." OCC "National Bank and Federal Savings Association Digital Activities." H.R. 8215, "Improving Digital Identity Act of 2020." U.S. House Committee on Financial Services' Task Force on Financial Technology and Task Force on Artificial Intelligence. S. 4999, "Emergency Direct Payments for Families and Workers Act of 2020." H.R. 8893, "Coronavirus Assistance for Americans Families Act." S. 4927, EIDL Forgiveness Act." H.R. 8827, "Stablecoin Classification and Regulation Act of 2020." S. 4800, "The Heroes Act." H.R. 8721, "Public Banking Act of 2020."

Client expense: $230,000 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), Council of Economic Advisers (CEA), Federal Communications Commission (FCC), Federal Reserve System, Federal Trade Commission (FTC), Financial Crimes Enforcement Network (FinCEN), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Economic Council (NEC), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of, U.S. Trade Representative (USTR)

H.R. 133, Consolidated Appropriations Act, 2021, including provisions relating to COVID relief stimulus H.R. 116, Investing in Main Street Act of 2019 H.R. 128, Small Business Advocacy Improvements Act of 2019 H.R. 190, Expanding Contracting Opportunities for Small Businesses Act of 2019 H.R. 206, Encouraging Small Business Innovation Act H.R. 216/S. 1149, Main Street Tax Certainty Act H.R. 226, Clarity on Small Business Participation in Category Management Act of 2019 H.R. 227, Incentivizing Fairness in Subcontracting Act H.R. 246, Stimulating Innovation through Procurement Act of 2019 H.R. 748/S.3548, Coronavirus Aid, Relief, and Economic Security (CARES) Act H.R. 2603, Northern Mariana Islands Small Business Act H.R. 6074, Coronavirus Preparedness and Response Supplemental Appropriations Act, 2020 H.R. 6201, Families First Coronavirus Response Act H.R. 6821/S. 3162, Small Business Expense Protection Act of 2020 H.R. 6886, Paycheck Protection Program Flexibility Act of 2020 H.R. 7777/S. 4117, Paycheck Protection Small Business Forgiveness Act H.R. 7894, Paycheck Protection Program Small Business Enhancement Act S. 178, UIGHUR Act of 2019, including provisions relating to substitute amendment regarding COVID-19 relief package S. 2535, Enhancing Entrepreneurship for the 21st Century Act S. 3612, Small Business Expense Protection Act of 2020 S. 3742, Recharge and Empower Local Innovation and Entrepreneurs Fund for Main Street (RELIEF) for Main Street Act S. 4321, Continuing Small Business Recovery and Paycheck Protection Program Act S. 4873, Reaching America's Rural Minority Businesses Act of 2020 Potential legislation providing targeted and temporary relief for small businesses in need of federal assistance to survive the COVID-19 pandemic Nomination of Jovita Carranza to be Administrator of the Small Business Administration Proposed rule on small business size standards: calculation of annual average receipts (84 Fed. Reg. 29,399-29,413, June 24, 2019) Various issues relating separation of the Small Business Administration 7(a) loan program and PPP commitments; administrative and legislative corrections to the Paycheck Protection Program (PPP); potential Paycheck Protection Program (PPP) loan necessity questionnaire; Paycheck Protection Program (PPP) loan forgiveness; weekly $600 Unemployment Insurance benefit, and expiration thereof

Client expense: $22,290,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Army, Dept of (Corps of Engineers), Bureau of Citizenship & Immigration Services (BCIS), Bureau of Industry and Security (BIS), Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Consumer Financial Protection Bureau (CFPB), Defense, Dept of (DOD), Education, Dept of, Energy, Dept of, Environmental Protection Agency (EPA), Equal Employment Opportunity Commission (EEOC), Executive Office of the President (EOP), Federal Aviation Administration (FAA), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), Federal Energy Regulatory Commission (FERC), Federal Reserve System, Federal Trade Commission (FTC), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Interior, Dept of (DOI), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Economic Council (NEC), Natl Institute of Standards & Technology (NIST), Natl Labor Relations Board (NLRB), Natl Security Council (NSC), Natl Telecommunications & Information Administration (NTIA), Office of Management & Budget (OMB), Office of Science & Technology Policy (OSTP), Office of the Comptroller of the Currency (OCC), Patent & Trademark Office (PTO), Pension Benefit Guaranty Corporation (PBGC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), State, Dept of (DOS), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Copyright Office, U.S. Customs & Border Protection, U.S. Trade Representative (USTR), White House Office

Protect the credit union tax exemption; supports a transparent, fair and efficient mechanism for funding agency operations; Overhead Transfer Rate (OTR) methodology and operating fee schedule; support of the FCC's efforts to establish and implement exemptions to the TCPAs consent requirement for important information about fraudulent activity, data breaches and available protections, and money transfers; supportive of the FCCs proposal to not limit the number of calls made under the exemption; Comment on Annual Certification and Data Collection Report Form (ACR) and the Certification Transaction Level Report (CTLR), concerned about the reporting burden and cybersecurity risks associated with the proposed ACR and CTRL; support the certainty and regulatory flexibility afforded by many of the new and updated Interagency Questions and Answers regarding flood insurance; express concern the proposed Community Development Financial Institutions Program application creates many such barriers, which ultimately will make it more difficult and unlikely that credit unions will obtain and maintain CDFI-designation; urge the Federal Housing Finance Agency (FHFA) to evaluate top credit union regulatory priorities, Reverse the Adverse Market Refinance Fees Policy, Relief for Originating and Servicing Mortgages During the Ongoing Pandemic, Adopt a Strong but Reasonable Regulatory Capital Framework Preserve Access to the Secondary Market for Smaller Lenders; urge the National Credit Union Administration (NCUA) to evaluate the priority issues and enact the requested policy modifications re: Reverse the Adverse Market Refinance Fees Policy, Relief for Originating and Servicing Mortgages During the Ongoing Pandemic, Adopt a Strong but Reasonable Regulatory Capital Framework Preserve Access to the Secondary Market for Smaller Lenders; urge the U.S. Department of the Treasury (Treasury) along with the Financial Crimes Enforcement Network (FinCEN) and the Internal Revenue Service (IRS) to evaluate the top credit union priorities; express concern with Section 2885 of S.4049, which would expand access to nominal leases on military installations for banks; support for Division F, the Corporate Transparency Act of 2019 and Division G, the COUNTER Act of 2019, of H.R.6395, which would make critical improvements to our Bank Secrecy Act (BSA)/anti-money laundering (AML)/beneficial ownership regime; support of a simplified loan forgiveness process for PPP loans under a $150,000 threshold, such as proposed in H.R.7777/S.4117, the Paycheck Protection Small Business Forgiveness Act; support a second round of PPP loans to the hardest hit small businesses; extend the changes to the National Credit Union Administrations (NCUA) Central Liquidity Facility (CLF) that were enacted in section 4016 of the CARES Act and to extend the provisions from section 4013 of the CARES Act dealing with Troubled Debt Restructuring (TDR); support H.R.6789/S.3676, the Access to Credit for Small Businesses Impacted by the COVID-19 Crisis Act of 2020; support excluding EIDL advances from the PPP forgiveness calculation, as proposed by bipartisan legislation in the House, HR.8361, the EIDL Forgiveness Act; supports legislation, H.R.6789/S.3676, the Access to Credit for Small Businesses Impacted by the COVID-19 Crisis Act of 2020, which would provide temporary relief from the credit union member business lending (MBL) cap; support increase funding for the CDFI and CDRLF programs. Providing $1 billion in emergency funding for the CDFI Fund would allow more credit unions to access monies for specific programs; support the Health and Economic Recovery Omnibus Emergency Solutions Act (HEROES Act); support the inclusion of S.4159, the E-SIGN Modernization Act of 2020, in the relief package; credit unions, as not-for-profit cooperative institutions, should not be subject to the CECL standard; support a reduction in the level at which credit unions are considered well capitalized from a net-worth ratio of seven percent to six percent and adequately capitalized from six percent to five percent during the pandemic; reject any idea, even if well-meaning, that could place new hardships on credit unions; urges the Bureau of Consumer Financial Protection (Bureau or CFPB) to evaluate top credit union priorities, Delay Section 1071 Rulemaking, Electronic Disclosure Relief and Credit Card Accountability Responsibility and Disclosure Act of 2009 Act (CARD Act) Improvements, Temporarily Halt the Qualified Mortgage (QM) Rulemaking, Revise Home Mortgage Disclosure Act (HMDA) Rule and Reporting, Facilitate the London Interbank Offered Rate (LIBOR) Transition, Unfair, Deceptive, or Abusive Acts and Practices (UDAAP) Guidance and Rulemaking; urge NCUA provide relief to credit unions as they serve their members during the pandemic: Expanding Virtual Meetings, Managing Unexpected Share Growth, Additional Investment Opportunities, Capitalizing Interest on Loan Modifications, Adopting Broader Capital Reform, Finalizing an Efficient and Measured Budget; supports FinCEN defining an overall effective and reasonably designed AML program, including the explicit requirement for a risk-assessment; support automatic loan forgiveness for PPP loans under $150,000 and support any legislative efforts; support legislative efforts to amend the CARES Act to exclude Economic Injury Disaster Loans (EIDL) advance amounts from the calculation of loan forgiveness under the PPP; support initial 3508EZ form and the newly created 3508S form for loans under $50,000; support H.R. 8361, the EIDL Forgiveness Act; recommend a comment period of 90 days for all novel charter applications including the recent filings by Figure Bank for a national charter and Anchorage for a trust charter; TRACED Act; urged the Commission (FCC) not to impose additional restrictions on the existing exemption for informational calls placed to residential telephone numbers (Informational Calls Exemption); urges FinCEN to retain the current Recordkeeping and Travel Rule thresholds; supports the definition of money as proposed, which will resolve ambiguities surrounding applicability to convertible virtual currencies (CVCs); Thresholds for the Requirement to Collect, Retain, and Transmit Information Under the Recordkeeping and Travel Rules (Docket No.: FINCEN-2020-0002; RIN No.: 1506-AB41); Ex Parte Meeting, Advanced Methods to Target and Eliminate Unlawful Robocalls, CG Docket No. 17-59; support increase in size standards for North American Industry Classification System (NAICS) sectors related to finance and insurance, specifically NAICS code 522130 for credit unions; inclusion of S.4117, the Paycheck Protection Small Business Forgiveness Act; support the extensions of the changes to the National Credit Union Administrations (NCUA) Central Liquidity Facility (CLF) and Troubled Debt Restructuring (TDR) provisions from the CARES Act; support focused clarification of regulatory expectations re: ECOA and Reg B; support HUDs codifying court rulings for disparate impact; support extension of CARES Act provisions: Section 1102: Paycheck Protection Program, Section 4012: Community Bank Leverage Ratio, Section 4014: Current Expected Credit Loss (CECL), Section 4008: Deposit Insurance, Section 4013: Troubled Debt Restructuring (TDR), Section 4016: NCUAs Central Liquidity Facility (CLF), Section 1110: Economic Injury Disaster Loan (EIDL) Program; Conference Report for H.R. 6395, the William M. (Mac) Thornberry National Defense Authorization Act for Fiscal Year 2021; express concern re: The Senates version of the FY 2021 NDAA, S.4049; supports efforts to provide additional emergency funding for CDFIs; outlines several recommendations to improve the efficiency of NCUA budget; bipartisan beneficial ownership and BSA/AML reform legislation - the Corporate Transparency Act and the COUNTER Act; Notice of Ex Parte Presentations, Rules & Regulations Implementing the Tel. Consumer Prot. Act of 1991, CG Docket No. 02-278; Notice of Ex Parte Meeting, Advanced Methods to Target and Eliminate Unlawful Robocalls, CG Docket No. 17-59; Notice of Ex Parte Meeting, Advanced Methods to Target and Eliminate Unlawful Robocalls, CG Docket No. 17-59; support the ultimate objectives of section 1071, express concern that the complexity of section 1071 data collection and the accompanying burden of adopting new compliance systems; support $25 billion in rental assistance to the Treasury Department to allocate to state and local governments, as well as extends the eviction moratorium; support NCUA modernizing the agencys derivatives rule, changing from a prescriptive approach to a more flexible, principles-based approach; support appreciates the CFPB clarifying ambiguities in the 2018 Statement Clarifying the Role of Supervisory Guidance ; H.R. 133, the Consolidated Appropriations Act of 2021

Client expense: $810,000 · Firm income: Not reported

Government targets: Commodity Futures Trading Commission (CFTC), Consumer Financial Protection Bureau (CFPB), Defense, Dept of (DOD), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Financial Crimes Enforcement Network (FinCEN), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), Natl Institute of Standards & Technology (NIST), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, Veterans Affairs, Dept of (VA), White House Office