Global Learning Loss Assessment Act of 2021

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

HR 3009 Improving Language Access in Mortgage Servicing Act of 2021 American Rescue Plan - homeowner assistance fund Financial Technology ("Fintech") (Previously HR 1500 ) -- Consumers First Act Small Business Lending Discrimination HR 4277 Overdraft Protection Act of 2021 HR 2572 Stop Debt Collection Abuse Act (Previously S.3509) - A bill to provide borrowers the right to request forbearance on mortgage loan payments... HR 963 / S. 505 Forced Arbitration Injustice Repeal (FAIR) Act True Lender CRA CFPB Big Tech Inquiry HR 5376 Build Back Better Act Blumenthal arbitration amendment to the National Defense Authorization Act for fiscal year 2022 Accountability in Student Loan Data Act (Previously HR 4662) CFPB Student Loan Integrity and Transparency Act (previously S 720) HR 6466, Student Loan Rehabilitation and Credit Score Improvement Act Stop Unfair Home Lending Act S 3844 Economic Continuity and Stability Act H.R. 7231, the Electronic Currency and Secure Hardware (ECASH) Act Crypto Regulatory Legislation (CFTC) Crypto Regulatory Legislation (Stablecoins) Crypto Regulatory Legislation (President's EO) Big Tech Crypto/Blockchain investments Green Postal Service Fleet Act CARES Act - Paycheck Protection Program H.R.4445 - Ending Forced Arbitration of Sexual Assault and Sexual Harassment Act of 2021 S.3755 - Arbitration Fairness for Consumers Act

Client expense: $150,000 · Firm income: Not reported

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 Issues related to FDIC Director appointment 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 fair lending 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 Issues related to CFPB Small-dollar Rule CFPB Section 1071 rulemaking Issues related to Confirmation of new CFPB Director 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 Confirmation of new OCC Comptroller 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 credit card network interchange fees. Issues related to U.S. Postal Service banking services. Issues related to non-compete clauses 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 AML-BSA Reform Issues related to FinCEN CDD Rule Issues related to FDIC Director appointment. 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 2031 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 the OCC, Federal Reserve, and FDIC modernization of the Community Reinvestment Act Issues related to financial regulatory coordination Issues related to SBA 7(a) Loan Program and fees H.R. 3614 (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 Telephone Consumer Protection Act, 47 U.S.C. 227 Issues related to Electronic Fund Transfer Act, Regulation E, 15 U.S.C. 1693 Issues related to FDIC Deposit Insurance Issues related to the Paperwork Reduction Act Issues related to the Military Lending Act Community Reinvestment Act Regulations & Q&A issues Issues related to the Servicemembers Civil Relief Act Issues related to Small Business Act Issues related to the Bank Secrecy Act and Anti-Money Laundering rules Issues related to the Counter-Terrorism & Illicit Finance Act Issues related to the CFPB Request for Information Process Issues related to the FDIC Brokered deposits Rule and Interest Rule Restrictions Issues related to Section 1033 of Dodd-Frank Issues related to CFPB Electronic Disclosures on Mobile Devices Issues related to Overdraft and non-sufficient funds (NSF) fees Issues related to Overdraft Issues related to Fintech oversight Issues related to Buy Now Pay Later

7/29 Senate Banking Hearing - Extending the Military's 36% Interest Rate Cap to Everyone Draft Legislation - Access to No-Fee Accounts Act. 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 fair lending 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 (117th Cong.), 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 Issues related to CFPB Small-dollar Rule CFPB Section 1071 rulemaking Issues related to Confirmation of new CFPB Director 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 Confirmation of new OCC Comptroller Issues related to bank fees, including overdraft fees. Issues related to establishment of a bank tax. Issues related to financial institution charters, specifically ILC charters Issues related to 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 credit card network interchange fees. Issues related to U.S. Postal Service banking services. Issues related to non-compete clauses 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, Relief for Consumers During COVID-19 Act of 2020 H.R. 6361, the Relief for Small Businesses and Nonprofits Act H.R. 6370, the Disaster Protection for Workers' Credit Act H.R. 6316, the Emergency Relief for Student Borrowers Act of 2020 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 AML-BSA Reform Issues related to FinCEN CDD Rule Issues related to Appropriations H.R. 4345 (116th Cong.), Financial Services and General Government Appropriations Act, 2022 H.R. 4350/S. 2792 (117th Cong.), National Defense Authorization Act for Fiscal Year 2022 S. Con. Res. 14 (117th Cong.) A concurrent resolution setting forth the congressional budget for the United States Government for fiscal year 2022 and setting forth the appropriate budgetary levels for fiscal years 2023 through 2031 Issues related to guidance of Deposit Advance Products 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 the OCC, Federal Reserve, and FDIC modernization of the Community Reinvestment Act Issues related to the OCC True Lender regulation. 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 OCC Innovation Pilot Program Issues related to the Bank Secrecy Act and Anti-Money Laundering Issues related to the Counter Terrorism & Illicit Finance Act H.R. 2513 (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 H.R. 3375 (116th Cong.), The Stopping Bad Robocalls Act H.R. 1602/H.R. 2015/ S. 151 (116th Cong.), Telephone Robocall Abuse Criminal Enforcement and Deterrence Act or the TRACED Act Issues related to Parent Companies of Industrial Banks and Industrial Loan Companies Regulations: Equal Credit Opportunity issues, Regulation B, 12 CFR Part 1002 Home Mortgage Disclosure Act Issues, Regulation C, 12 CFR Part 1003 Fair Debt Collection Practices Issues, Regulation F, 12 CFR Part 1006 Privacy Issues, 12 CFR Parts 40, 216, 332, 1016 Fair Credit Reporting Issues, 12 CFR Parts 41, 171, 334, 1022 Real Estate Settlement Procedures Issues, Regulation X, 12 CFR Part 1024 Truth in Lending Issues, Regulation Z, 12 CFR Part 1026 Disclosure of Records and Information, 12 CFR Part 1070 Regulations related to the Dodd-Frank Act, Pub. L. No. 111-203 Issues related to the Higher Education Act Issues related to Telephone Consumer Protection Act, 47 U.S.C. 227 Issues related to Electronic Fund Transfer Act, regulation E, 15 U.S.C. 1693 Issues related to FDIC Deposit Insurance Issues related to the Paperwork Reduction Act Issues related to the Military Lending Act Community Reinvestment Act Regulations & Q&A issues Issues related to the Servicemembers Civil Relief Act Issues related to Small Business Act Issues related to FCC & FTC Do Not Call Registry Issues related to the Bank Secrecy Act and Anti-Money Laundering rules Issues related to the Counter Terrorism & Illicit Finance Act Issues related to the CFPB Request for Information Process Issues related to FinCEN Due Diligence Rule Truth in Saving - Regulation DD Issues related to the FDIC Brokered deposits Rule and Interest Rule Restrictions Reserve Requirements Of Depository Institutions Issues, Reg D, 12 CFR Part 204 Issues related to Section 1033 of Dodd-Frank Issues related to Qualified Mortgage Rule Issues related to Computer Incident Notifications Issues related to CFPB Electronic Disclosures on Mobile Devices

Issues related to Cyber Security, Data Security & Breach Notification Issues related to Consumer Data Privacy Issues related to Dodd-Frank including Section 1033 Issues related to the Consumer Financial Protection Bureau Legislation related to establishing a commission at the CFPB Issues related to the CFPBs rulemaking under the Home Mortgage Disclosure Act Issues related to anticipated rulemaking that would affect debt collection Issues related to Equal Credit Opportunity Act Issues related to Interest Rate Caps on Banks Issues related to the Electronic Funds Transfer Act Issues related to CFPB Consumer Response Portal Issues related to CFPB Taskforce on Consumer Financial Laws Issues related to CFPB Small-dollar Rule Issues related to Dodd-Frank Act, including Section 1071 Issues related to the Ability to Repay Rule, Qualified Mortgage Standards Issues related to Underbanked/Unbanked Consumers Issues related to CFPB agency guidance H.R. 3629 (116th Cong.), Clarity in Credit Score Formation Act of 2019 Issues related to the OCCs Electronic Operations of Federal Savings Associations 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. ____, National Credit Reporting Agency Act H.R. ____, Protecting Your Credit Score Act 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 credit card network interchange fees. Issues related to U.S. Postal Service banking services. Issues related to third-party vendor management Issues related to financial data reporting to the IRS. 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 Bipartisan Emergency COVID Relief Act of 2020 H.R. 133, Coronavirus Response and Relief Supplemental Appropriations Act H.R. ____, Relief for Consumers During COVID-19 Act H.R. ____, the Relief for Small Businesses and Nonprofits Act H.R. ____, the Disaster Protection for Workers' Credit Act H.R. ____, the Emergency Relief for Student Borrowers Act H.R. ____, Ending Debt Collection Harassment Act 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 Issues related to Student Loans Issues related to the reauthorization of the Higher Education Act Issues related to the CFPBs and Department of Educations actions on student lending Issues related to disclosures for federal student loans Legislation related to student loan refinancing programs Issues related to bankruptcy protections for student loans Issues related to federal student loan reform H.R. 1161 & S. 2015 (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. ____, Private Loan Disability Discharge Act Issues related to AML-BSA Reform Issues related to FinCEN CDD Rule Issues related to Appropriations H.R. 4345 (116th Cong.), Financial Services & General Government Appropriations Act, 2022 Issues related to guidance of Deposit Advance Products 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 Issues related to the Community Reinvestment Act Issues related to the OCC, Federal Reserve, and FDIC modernization of the Community Reinvestment Act Issues related to the OCC True Lender regulation. 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 OCC Innovation Pilot Program Issues related to the Bank Secrecy Act and Anti-Money Laundering Issues related to the Counter-Terrorism & Illicit Finance Act H.R. 2513 (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 H.R. 3375 (116th Cong.), The Stopping Bad Robocalls Act H.R. 1602/H.R. 2015/ S. 151 (116th Cong.), Telephone Robocall Abuse Criminal Enforcement and Deterrence Act or the TRACED Act Issues related to Parent Companies of Industrial Banks and Industrial Loan Companies Regulations: Equal Credit Opportunity issues, Regulation B, 12 CFR Part 1002 Home Mortgage Disclosure Act Issues, Regulation C, 12 CFR Part 1003 Fair Debt Collection Practices Issues, Regulation F, 12 CFR Part 1006 Privacy Issues, 12 CFR Parts 40, 216, 332, 1016 Fair Credit Reporting Issues, 12 CFR Parts 41, 171, 334, 1022 Real Estate Settlement Procedures Issues, Regulation X, 12 CFR Part 1024 Truth in Lending Issues, Regulation Z, 12 CFR Part 1026 Disclosure of Records and Information, 12 CFR Part 1070 Regulations related to the Dodd-Frank Act, Pub. L. No. 111-203 Issues related to the Higher Education Act Issues related to Telephone Consumer Protection Act, 47 U.S.C. 227 Issues related to Electronic Fund Transfer Act, Regulation E, 15 U.S.C. 1693 Issues related to FDIC Deposit Insurance Issues related to the Paperwork Reduction Act Issues related to the Military Lending Act Community Reinvestment Act Regulations & Q&A issues Issues related to the Servicemembers Civil Relief Act Issues related to Small Business Act Issues related to FCC & FTC Do Not Call Registry Issues related to the Bank Secrecy Act and Anti-Money Laundering rules Issues related to the Counter-Terrorism & Illicit Finance Act Issues related to the CFPB Request for Information Process Issues related to FinCEN Due Diligence Rule Truth in Saving - Regulation DD Issues related to the FDIC Brokered deposits Rule and Interest Rule Restrictions Reserve Requirements Of Depository Institutions Issues, Reg D, 12 CFE Part 204 Issues related to Section 1033 of Dodd-Frank Issues related to Qualified Mortgage Rule Issues related to Computer Incident Notifications

Issues related to Cyber Security, Data Security & Breach Notification Issues related to Consumer Data Privacy Issues related to Dodd-Frank including Section 1033 Issues related to the Consumer Financial Protection Bureau Legislation related to establishing a commission at the CFPB Issues related to the CFPBs rulemaking under the Home Mortgage Disclosure Act Issues related to anticipated rulemaking that would affect debt collection Issues related to Equal Credit Opportunity Act Issues related to the Electronic Funds Transfer Act Issues related to CFPB Consumer Response Portal Issues related to CFPB Advisory Opinion Program Issues related to CFPB Taskforce on Consumer Financial Laws Issues related to CFPB Small-dollar Rule Issues related to Dodd-Frank Act, including Section 1071 Issues related to the Ability to Repay Rule, Qualified Mortgage Standards Issues related to Underbanked/Unbanked Consumers Issues related to CFPB agency guidance H.R. 3629 (116th Cong.), Clarity in Credit Score Formation Act of 2019 Issues related to the OCCs Electronic Operations of Federal Savings Associations Issues related to bank fees, including overdraft fees. Issues related to establishment of a bank tax. Issues related to financial institution charters, specifically ILC charters Issues related to COVID-19 pandemic 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 Bipartisan Emergency COVID Relief Act of 2020 H.R. 133, Coronavirus Response and Relief Supplemental Appropriations Act H.R. ____, Relief for Consumers During COVID-19 Act H.R. ____, the Relief for Small Businesses and Nonprofits Act H.R. ____, the Disaster Protection for Workers' Credit Act H.R. ____, the Emergency Relief for Student Borrowers Act H.R. ____, Ending Debt Collection Harassment Act 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 Issues related to Student Loans Issues related to the reauthorization of the Higher Education Act Issues related to the CFPBs and Department of Educations actions on student lending Issues related to disclosures for federal student loans Legislation related to student loan refinancing programs Issues related to bankruptcy protections for student loans Issues related to federal student loan reform H.R. 1161 & S. 2015 (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. ____, Private Loan Disability Discharge Act Issues related to AML-BSA Reform Issues related to FinCEN CDD Rule Issues related to Appropriations H.R. 264 (116th Cong.), Financial Services & General Government Appropriations Act, 2020 Issues related to guidance of Deposit Advance Products Issues related to the Fair Credit Reporting Act H.R. 3642 (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 Issues related to the Community Reinvestment Act Issues related to the OCC, Federal Reserve, and FDIC modernization of the Community Reinvestment Act Issues related to the OCC True Lender regulation. 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 OCC Innovation Pilot Program Issues related to the Bank Secrecy Act and Anti-Money Laundering Issues related to the Counter Terrorism & Illicit Finance Act H.R. 2513 (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 H.R. 3375 (116th Cong.), The Stopping Bad Robocalls Act H.R. 1602/H.R. 2015/ S. 151 (116th Cong.), Telephone Robocall Abuse Criminal Enforcement and Deterrence Act or the TRACED Act Issues related to Parent Companies of Industrial Banks and Industrial Loan Companies Regulations: Equal Credit Opportunity issues, Regulation B, 12 CFR Part 1002 Home Mortgage Disclosure Act Issues, Regulation C, 12 CFR Part 1003 Fair Debt Collection Practices Issues, Regulation F, 12 CFR Part 1006 Privacy Issues, 12 CFR Parts 40, 216, 332, 1016 Fair Credit Reporting Issues, 12 CFR Parts 41, 171, 334, 1022 Real Estate Settlement Procedures Issues, Regulation X, 12 CFR Part 1024 Truth in Lending Issues, Regulation Z, 12 CFR Part 1026 Disclosure of Records and Information, 12 CFR Part 1070 Regulations related to the Dodd-Frank Act, Pub. L. No. 111-203 Issues related to the Higher Education Act Issues related to Telephone Consumer Protection Act, 47 U.S.C. 227 Issues related to Electronic Fund Transfer Act, regulation E, 15 U.S.C. 1693 Issues related to FDIC Deposit Insurance Issues related to the Paperwork Reduction Act Issues related to the Military Lending Act Community Reinvestment Act Regulations & Q&A issues Issues related to the Servicemembers Civil Relief Act Issues related to Small Business Act Issues related to FCC & FTC Do Not Call Registry Issues related to the Bank Secrecy Act and Anti-Money Laundering rules Issues related to the Counter Terrorism & Illicit Finance Act Issues related to the CFPB Request for Information Process Issues related to FinCEN Due Diligence Rule Truth in Saving - Regulation DD Issues related to the FDIC Brokered deposits Rule and Interest Rule Restrictions Reserve Requirements Of Depository Institutions Issues, Reg D, 12 CFE Part 204 Issues related to Section 1033 of Dodd-Frank Issues related to Qualified Mortgage Rule Issues related to Computer Incident Notifications