Fair Lending for All Act

GSE Reform SRes5 - Fiscal Year 2021 Budget Resolution HR3684 - Infrastructure Investment and Jobs Act Discussions with the U.S. House of Representatives and the U.S. Senate regarding GSE reform. Communications with the House and Senate regarding raising the statutory debt limit and GSEs. PSPAs Discussions with the Senate Banking Committee regarding PSPAs. QM/QRM Discussions with the Senate Banking Committee regarding QM/QRM. TILA - Language Access HR3009 - Improving Language Access in Mortgage Servicing Act of 2021 Forbearance Programs Discussions with the Senate Banking Committee regarding mortgage forbearance programs. Credit Discrimination HR166 - Fair Lending for All Act HR8985 - Credit Access and Inclusion Act of 2022 Discussions with the House Financial Services Committee in support of Community Reinvestment Act (CRA) modernization efforts. Student Loan Debt Communications with the House and Senate regarding student loan debt. Commercial Real Estate HR4759 - Revitalizing Downtowns Act HR5041 - GREATER Revitalization of Shopping Centers Act of 2021 S2591 - Revitalizing Downtowns Act Rental Housing HR9062 - Respect State Housing Laws Act Anti-Money Laundering HR5525 - ENABLERS Act Downpayment Assistance Communications with the House and Senate regarding downpayment assistance policy proposals. Private equity in housing Communications with the House and Senate regarding the role of private equity in housing finance. Mortgage reform Communications with the House and Senate regarding mortgage reform policy proposals. FHFA Leadership Communications with the Senate supporting the confirmation of Sandra Thompson as FHFA Director. FHA Leadership Communications with the Senate supporting the confirmation of Julia Gordon as FHA Commissioner. Communications with the Federal Housing Finance Agency (FHFA) regarding PAVE and condominium guidelines. Discussions with the Financial Crimes Enforcement Network (FinCEN) within the Department of the Treasury regarding anti-money laundering regulations for real estate. Discussions with the Appraisal Subcommittee regarding PAVE, the AQB for fair housing training. Discussions with the White House regarding real estate and housing policy, including inventory and supply issues, affordability, fair housing programs and enforcement, bias in appraisals, and rental housing. Communications with the National Economic Council (NEC) regarding mortgage insurance premium reductions. Communications with the Federal Reserve Board regarding Community Reinvestment Act (CRA) modernization. Communications with the Federal Deposit Insurance Corporation regarding Community Reinvestment Act (CRA) modernization. Communications with the Office of the Comptroller of the Currency within the Treasury Department regarding Community Reinvestment Act (CRA) modernization.

Client expense: $29,260,000 · Firm income: Not reported

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Financial Crimes Enforcement Network (FinCEN), HOUSE OF REPRESENTATIVES, Natl Economic Council (NEC), SENATE, Treasury, Dept of, White House Office

Issues related to banking regulatory reform: -HR 1277/S 374 Improving Corporate Governance Through Diversity Act of 2021 -HR 4258 To establish a governmentwide approach to improving digital identity, and for other purposes. -Issues related to interest rate caps -HR 745 Fair Access to Credit Act of 2021 -HR 4350 National Defense Authorization Act for Fiscal Year 2022 (issues related to banking) -Issues related to credit scores -HR 1491 Fair Debt Collection Practices for Servicemembers Act -HR 1645 To amend the Fair Credit Reporting Act to make improvements to the regulation of consumer reporting agencies and protect consumers, and for other purposes. -HR 166 Fair Lending for All Act -HR 5376 Build Back Better Act -HR 5974/S 2508 Veterans and Consumers Fair Credit Act -Issues related to unfair, deceptive, and abusive acts and practices -Issues related to financial innovation -Issues related to financial literacy -Issues related to the Community Reinvestment Act -Issues related to debt collection -Issues related to artificial intelligence and machine learning -Issues related to credit scoring/credit risk -Issues related to privacy -HR 8152 American Data Privacy and Protection Act -S 4356 Lummis-Gillibrand Responsible Financial Innovation Act -S. 4674 Credit Card Competition Act -Issues related to diversity, equity, and inclusion -Issues related to anti-trust -Issues related to fees -Issues related to climate -Issues related to digital assets

Client expense: $430,000 · Firm income: Not reported

GSE Reform SRes5 - Fiscal Year 2021 Budget Resolution HR3684 - Infrastructure Investment and Jobs Act Discussions with the U.S. House of Representatives and the U.S. Senate regarding GSE reform. Communications with the House and Senate regarding raising the statutory debt limit and GSEs. PSPAs Discussions with the Senate Banking Committee regarding PSPAs. QM/QRM Discussions with the Senate Banking Committee regarding QM/QRM. TILA - Language Access HR3009 - Improving Language Access in Mortgage Servicing Act of 2021 Forbearance Programs Discussions with the Senate Banking Committee regarding mortgage forbearance programs. Credit Discrimination HR166 - Fair Lending for All Act Student Loan Debt Communications with the House and Senate regarding student loan debt. Commercial Real Estate HR4759 - Revitalizing Downtowns Act HR5041 - GREATER Revitalization of Shopping Centers Act of 2021 S2591 - Revitalizing Downtowns Act Anti-Money Laundering HR5525 - ENABLERS Act Downpayment Assistance Communications with the House and Senate regarding downpayment assistance policy proposals. Private equity in housing Communications with the House and Senate regarding the role of private equity in housing finance. Mortgage reform Communications with the House and Senate regarding mortgage reform policy proposals. FHFA Leadership Communications with the Senate supporting the confirmation of Sandra Thompson as FHFA Director. Communications with the Federal Housing Finance Agency (FHFA) regarding PAVE, condo financing, and downpayment assistance. Communications with the Financial Crimes Enforcement Network (FinCEN) within the Department of the Treasury regarding anti-money laundering regulations. Discussions with the White House regarding real estate and housing policy, including inventory and supply issues, affordability, fair housing programs and enforcement, bias in appraisals, and rental housing.

Fair Housing Protections HR5 - Equality Act HR68 - Housing Fairness Act of 2021 HR2471 - Consolidated Appropriations Act, 2022 S769 - Housing Fairness Act of 2021 S2549 - Mapping Housing Discrimination Act Conversations with the House Select Committee regarding fair housing policy. Disparate Impact HR5376 - Build Back Better Act Credit Discrimination HR166 - Fair Lending for All Act TILA - Language Access HR3009 - Improving Language Access in Mortgage Servicing Act of 2021 Discrimination in Valuations HR2553 - Real Estate Valuation Fairness and Improvement Act of 2021 Student Loan Debt Communications with the Senate Banking Committee regarding impact of student loan debt on racial justice, borrowers, and the economy Equal Access to Housing and Financial Services Statement for the Record: HFSC Hearing Justice for All: Achieving Racial Equity Through Access to Housing and Financial Services Racial Discrimination in Housing Letter to the Senate Banking Committee for its hearing Separate and Unequal: The Legacy of Racial Discrimination in Housing Unlocking Possibilities Program HR5376 - Build Back Better Act Downpayment Assistance HR4495 - Downpayment Toward Equity Act Conversations with the U.S. House of Representatives and the U.S. Senate regarding Fair Housing and downpayment issues. Discussions with the Federal Housing Finance Agency (FHFA) regarding a fair housing database.

Client expense: $14,820,000 · Firm income: Not reported

Issues related to banking regulatory reform: -HR 1319 American Rescue Plan (Public Law No: 117-2) Implementation -HR 1277/S 374 Improving Corporate Governance Through Diversity Act of 2021 -HR 4258 To establish a governmentwide approach to improving digital identity, and for other purposes. -Issues related to arbitration -Issues related to interest rate caps -HR 745 Fair Access to Credit Act of 2021 -HR 4350 National Defense Authorization Act for Fiscal Year 2022 (issues related to banking) -Issues related to credit scores -HR 1491 Fair Debt Collection Practices for Servicemembers Act -HR 1645 To amend the Fair Credit Reporting Act to make improvements to the regulation of consumer reporting agencies and protect consumers, and for other purposes. -HR 745 Fair Access to Credit Scores Act of 2021 -HR 166 Fair Lending for All Act -HR 5376 Build Back Better Act -HR 5974/S 2508 Veterans and Consumers Fair Credit Act -Issues related to unfair, deceptive, and abusive acts and practices -Issues related to financial innovation -Issues related to financial literacy -Issues related to the Community Reinvestment Act -Issues related to debt collection -Issues related to artificial intelligence -Issues related to small business data collection -Issues related to privacy -HR 8152 American Data Privacy and Protection Act -S 4356 Lummis-Gillibrand Responsible Financial Innovation Act -Issues related to diversity, equity, and inclusion -Issues related to anti-trust -Issues related to fees -Issues related to climate -Issues related to digital assets

Client expense: $480,000 · Firm income: Not reported

Fair Housing Protections HR5 - Equality Act HR68 - Housing Fairness Act of 2021 HR2471 - Consolidated Appropriations Act, 2022 S769 - Housing Fairness Act of 2021 S2549 - Mapping Housing Discrimination Act Conversations with the House Select Committee regarding fair housing policy. Disparate Impact HR5376 - Build Back Better Act Credit Discrimination HR166 - Fair Lending for All Act TILA - Language Access HR3009 - Improving Language Access in Mortgage Servicing Act of 2021 Discrimination in Valuations HR2553 - Real Estate Valuation Fairness and Improvement Act of 2021 Student Loan Debt Communications with the Senate Banking Committee regarding impact of student loan debt on racial justice, borrowers, and the economy Equal Access to Housing and Financial Services Statement for the Record: HFSC Hearing Justice for All: Achieving Racial Equity Through Access to Housing and Financial Services Racial Discrimination in Housing Letter to the Senate Banking Committee for its hearing Separate and Unequal: The Legacy of Racial Discrimination in Housing Unlocking Possibilities Program HR5376 - Build Back Better Act Conversations with the U.S. House of Representatives and the U.S. Senate regarding Fair Housing issues. Discussions with the Consumer Financial Protection Bureau (CFPB) regarding fair housing and fair lending issues.

Client expense: $12,140,000 · Firm income: Not reported

GSE Reform SRes5 - Fiscal Year 2021 Budget Resolution HR3684 - Infrastructure Investment and Jobs Act Discussions with the U.S. House of Representatives and the U.S. Senate regarding GSE reform. Communications with the House and Senate regarding raising the statutory debt limit and GSEs. PSPAs Discussions with the Senate Banking Committee regarding PSPAs. QM/QRM Discussions with the Senate Banking Committee regarding QM/QRM. TILA - Language Access HR3009 - Improving Language Access in Mortgage Servicing Act of 2021 Forbearance Programs Discussions with the Senate Banking Committee regarding mortgage forbearance programs. Credit Discrimination HR166 - Fair Lending for All Act Student Loan Debt Communications with the House and Senate regarding student loan debt. Commercial Real Estate HR4759 - Revitalizing Downtowns Act HR5041 - GREATER Revitalization of Shopping Centers Act of 2021 S2591 - Revitalizing Downtowns Act Anti-Money Laundering HR5525 - ENABLERS Act Communications with the Federal Housing Finance Agency (FHFA) regarding GSE reform and condominium financing. Communications with the Financial Crimes Enforcement Network (FinCEN) within the Department of the Treasury regarding anti-money laundering regulations. Discussions with the White House regarding real estate and housing policy, including inventory and supply issues, affordability, fair housing programs and enforcement, and bias in appraisals. Communications with the Treasury Department regarding GSE reform proposals and cryptocurrency. Discussions with the Consumer Financial Protection Bureau regarding cryptocurrency, QM, housing affordability, and fair lending.

Client expense: $12,140,000 · Firm income: Not reported

Issues related to banking regulatory reform: -HR 1319 American Rescue Plan (Public Law No: 117-2) Implementation -HR 4616 Adjustable Interest Rate (LIBOR) Act of 2021 -HR 1277/S 374 Improving Corporate Governance Through Diversity Act of 2021 -HR 4258 To establish a governmentwide approach to improving digital identity, and for other purposes. -Issues related to arbitration -Issues related to interest rate caps -HR 745 Fair Access to Credit Act of 2021 -HR 4350 National Defense Authorization Act for Fiscal Year 2022 (issues related to banking) -Issues related to credit scores -HR 1491 Fair Debt Collection Practices for Servicemembers Act -HR 1645 To amend the Fair Credit Reporting Act to make improvements to the regulation of consumer reporting agencies and protect consumers, and for other purposes. -HR 745 Fair Access to Credit Scores Act of 2021 -HR 166 Fair Lending for All Act -HR 5376 Build Back Better Act -HR 5974/S 2508 Veterans and Consumers Fair Credit Act -Issues related to unfair, deceptive, and abusive acts and practices -Issues related to financial innovation -Issues related to financial literacy -Issues related to the Community Reinvestment Act -Issues related to debt collection -Issues related to artificial intelligence -Issues related to small business data collection -Issues related to privacy -Issues related to Covid-19 Relief -Issues related to diversity, equity, and inclusion -Issues related to anti-trust

Client expense: $640,000 · Firm income: Not reported

Fair Housing Protections HR5 - Equality Act S2549 - Mapping Housing Discrimination Act Conversations with the House of Representatives regarding increased funding for fair housing enforcement in the FY 2022 THUD appropriations bill, Disparate Impact HR5376 - Build Back Better Act Credit Discrimination HR166 - Fair Lending for All Act TILA - Language Access HR3009 - Improving Language Access in Mortgage Servicing Act of 2021 Discrimination in Valuations HR2553 - Real Estate Valuation Fairness and Improvement Act of 2021 Student Loan Debt Communications with the Senate Banking Committee regarding impact of student loan debt on racial justice, borrowers, and the economy Equal Access to Housing and Financial Services Statement for the Record: HFSC Hearing Justice for All: Achieving Racial Equity Through Access to Housing and Financial Services Racial Discrimination in Housing Letter to the Senate Banking Committee for its hearing Separate and Unequal: The Legacy of Racial Discrimination in Housing Unlocking Possibilities Program HR5376 - Build Back Better Act Conversations with the U.S. House of Representatives and the U.S. Senate regarding Fair Housing issues. Discussions with the Department of Housing and Urban Development (HUD) regarding the PAVE program. Discussions with the Federal Housing Finance Agency (FHFA) regarding the PAVE program.

Client expense: $12,920,000 · Firm income: Not reported

GSE Reform SRes5 - Fiscal Year 2021 Budget Resolution HR3684 - Infrastructure Investment and Jobs Act Discussions with the U.S. House of Representatives and the U.S. Senate regarding GSE reform. Communications with the House and Senate regarding raising the statutory debt limit and GSEs. PSPAs Discussions with the Senate Banking Committee regarding PSPAs. QM/QRM Discussions with the Senate Banking Committee regarding QM/QRM. TILA - Language Access HR3009 - Improving Language Access in Mortgage Servicing Act of 2021 Forbearance Programs Discussions with the Senate Banking Committee regarding mortgage forbearance programs. Credit Discrimination HR166 - Fair Lending for All Act Student Loan Debt Communications with the House and Senate regarding student loan debt. Commercial Real Estate Discussions with the U.S. House of Representatives regarding proposals to incentivize repurposing of commercial real estate properties. Anti-Money Laundering HR5525 - ENABLERS Act Communications with the House of Representatives regarding the FY2022 Budget. Communications with the Federal Housing Finance Agency (FHFA) regarding GSE reform, the capital rule, and condo underwriting changes Communications with the Financial Crimes Enforcement Network (FinCEN) within the Department of the Treasury regarding anti-money laundering regulations. Discussions with the White House regarding U.S. economic policy.

Client expense: $12,920,000 · Firm income: Not reported

Issues related to banking regulatory reform: -HR 1319 American Rescue Plan (Public Law No: 117-2) Implementation -HR 4616 Adjustable Interest Rate (LIBOR) Act of 2021 -HR 1277/S 374 Improving Corporate Governance Through Diversity Act of 2021 -HR 4258 To establish a governmentwide approach to improving digital identity, and for other purposes. -Issues related to arbitration HR 963/S 505 Forced Arbitration Injustice Repeal Act -Issues related to interest rate caps -HR 745 Fair Access to Credit Act of 2021 -HR 2449 To Amend the CARES Act to provide for repayment terms for mortgages in forbearance -HR 4350 National Defense Authorization Act for Fiscal Year 2022 (issues related to banking) -Issues related to credit scores -HR 1491 Fair Debt Collection Practices for Servicemembers Act -HR 1645 To amend the Fair Credit Reporting Act to make improvements to the regulation of consumer reporting agencies and protect consumers, and for other purposes. -HR 745 Fair Access to Credit Scores Act of 2021 -HR 166 Fair Lending for All Act -HR 5376 Build Back Better Act -HR 5974 Veterans and Consumers Fair Credit Act -Issues related to unfair, deceptive, and abusive acts and practices -Issues related to financial innovation -Issues related to financial literacy -Issues related to the Community Reinvestment Act -Issues related to debt collection -Issues related to artificial intelligence -Issues related to small business data collection -Issues related to privacy -Issues related to Covid-19 Relief -Issues related to diversity, equity, and inclusion -Issues related to anti-trust -Issues related to data aggregation -Issues related to federal appointments

Client expense: $370,000 · Firm income: Not reported

Fair Housing Protections HR5 - Equality Act S2549 - Mapping Housing Discrimination Act Conversations with the House of Representatives regarding increased funding for fair housing enforcement in the FY 2022 THUD appropriations bill, Disparate Impact HR5376 - Build Back Better Act Credit Discrimination HR166 - Fair Lending for All Act TILA - Language Access HR3009 - Improving Language Access in Mortgage Servicing Act of 2021 Discrimination in Valuations HR2553 - Real Estate Valuation Fairness and Improvement Act of 2021 Student Loan Debt Communications with the Senate Banking Committee regarding impact of student loan debt on racial justice, borrowers, and the economy Equal Access to Housing and Financial Services Statement for the Record: HFSC Hearing Justice for All: Achieving Racial Equity Through Access to Housing and Financial Services Racial Discrimination in Housing Letter to the Senate Banking Committee for its hearing Separate and Unequal: The Legacy of Racial Discrimination in Housing Unlocking Possibilities Program HR5376 - Build Back Better Act Conversations with the U.S. House of Representatives and the U.S. Senate regarding Fair Housing issues. Discussions with the Department of Housing and Urban Development (HUD) regarding the FHA and Fair Housing policies.

Client expense: $12,820,000 · Firm income: Not reported

GSE Reform SRes5 - Fiscal Year 2021 Budget Resolution HR3684 - Infrastructure Investment and Jobs Act Discussions with the U.S. House of Representatives and the U.S. Senate regarding GSE reform. Communications with the House and Senate regarding raising the statutory debt limit and GSEs. PSPAs Discussions with the Senate Banking Committee regarding PSPAs. QM/QRM Discussions with the Senate Banking Committee regarding QM/QRM. TILA - Language Access HR3009 - Improving Language Access in Mortgage Servicing Act of 2021 Forbearance Programs Discussions with the Senate Banking Committee regarding mortgage forbearance programs. Credit Discrimination HR166 - Fair Lending for All Act Student Loan Debt Communications with the House and Senate regarding impact of student loan debt on racial justice, borrowers, and the economy Commercial Real Estate Discussions with the U.S. House of Representatives regarding proposals to incentivize repurposing of commercial real estate properties. Communications with the House of Representatives regarding the FY2022 Budget. Communications with the U.S. Department of the Treasury regarding PSPAs. Communications with the Federal Housing Finance Agency (FHFA) regarding GSE reform, PSPAs, the capital rule.

Client expense: $12,820,000 · Firm income: Not reported

Issues related to banking regulatory reform: -HR 1319 American Rescue Plan (Public Law No: 117-2) Implementation -HR 4616 Adjustable Interest Rate (LIBOR) Act of 2021 -HR 1277/S 374 Improving Corporate Governance Through Diversity Act of 2021 -HR 4258 To establish a governmentwide approach to improving digital identity, and for other purposes. -Issues related to arbitration HR 963/S 505 Forced Arbitration Injustice Repeal Act -Issues related to interest rate caps -HR 745 Fair Access to Credit Act of 2021 -HR 2449 To Amend the CARES Act to provide for repayment terms for mortgages in forbearance -HR 4350 National Defense Authorization Act for Fiscal Year 2022 (issues related to banking) -Issues related to credit scores -HR 1491 Fair Debt Collection Practices for Servicemembers Act -HR 1645 To amend the Fair Credit Reporting Act to make improvements to the regulation of consumer reporting agencies and protect consumers, and for other purposes. -HR 745 Fair Access to Credit Scores Act of 2021 -HR 166 Fair Lending for All Act -Issues related to unfair, deceptive, and abusive acts and practices -Issues related to financial innovation -Issues related to financial literacy -Issues related to the Community Reinvestment Act -Issues related to debt collection -Issues related to artificial intelligence -Issues related to small business data collection -Issues related to privacy -Issues related to Covid-19 Relief -Issues related to diversity, equity, and inclusion -Issues related to anti-trust -Issues related to data aggregation -Issues related to federal appointments

Client expense: $400,000 · Firm income: Not reported

H.R. 1 - For the People Act H.R. 166 - Fair Lending for All Act H.R. 68 - Housing Fairness Act of 2021 H.R. 1674 - Fair Housing Enforcement Emergency Act of 2021 H.Res. 363 - Original Fair Housing Resolution of 2021 H.R. 3009 - Improving Language Access in Mortgage Servicing Act H.R. 816 - Restoring Communities Left Behind Act S. 769 - Housing Fairness Act of 2021 S. [ ] - Mapping Housing Discrimination Act

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Fair Housing Protections HR5 - Equality Act Conversations with the House of Representatives re: appropriations for fair housing programs Credit Discrimination HR166 - Fair Lending for All Act TILA - Language Access HR3009 - Improving Language Access in Mortgage Servicing Act of 2021 Discrimination in Valuations HR2553 - Real Estate Valuation Fairness and Improvement Act of 2021 Student Loan Debt Communications with the Senate Banking Committee regarding impact of student loan debt on racial justice, borrowers, and the economy Equal Access to Housing and Financial Services Statement for the Record: HFSC Hearing Justice for All: Achieving Racial Equity Through Access to Housing and Financial Services Racial Discrimination in Housing Letter to the Senate Banking Committee for its hearing Separate and Unequal: The Legacy of Racial Discrimination in Housing Conversations with the U.S. House of Representatives and the U.S. Senate regarding Fair Housing issues. Discussions with the Department of Housing and Urban Development (HUD) regarding the FHA and Fair Housing policies.

Client expense: $10,100,000 · Firm income: Not reported

GSE Reform Discussions with the U.S. House of Representatives and the U.S. Senate regarding GSE reform. PSPAs Discussions with the Senate Banking Committee regarding PSPAs. QM/QRM Discussions with the Senate Banking Committee regarding QM/QRM. TILA - Language Access HR3009 - Improving Language Access in Mortgage Servicing Act of 2021 Forbearance Programs Discussions with the Senate Banking Committee regarding mortgage forbearance programs. Credit Discrimination HR166 - Fair Lending for All Act Student Loan Debt Communications with the Senate Banking Committee regarding impact of student loan debt on racial justice, borrowers, and the economy Commercial Real Estate Discussions with the U.S. House of Representatives regarding proposals to incentivize repurposing of commercial real estate properties. Communications with the U.S. Department of the Treasury regarding GSE Reform, PSPAs, the mortgage relief fund, and anti-money laundering policies. Communications with the Federal Housing Finance Agency (FHFA) regarding "condotels," PSPAs, and conventional financing policies. Communications with the Consumer Financial Protection Bureau (CFPB) regarding post-forbearance programs.

Client expense: $10,100,000 · Firm income: Not reported

-Support The Fair Lending For All Act (H.R. 166) -Letter RE: OCC "true lender" rule -Joint consumer/industry letter to GSEs on Flex Mod interest rates -"Final FHFA climate RFI -FHFA-Treasury amendments to the Preferred Stock Purchase Agreements (PSPAs) for Fannie Mae and Freddie Mac -Draft joint consumer/industry letter to GSEs on Flex Mod interest rates -Joint Letter On The Product And Program Limits Imposed On Fannie Mae And Freddie Mac

Client expense: $9,872 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of

Issues related to banking regulatory reform: -HR 1319 American Rescue Plan -Issues related to Current Expected Credit Loss -Issues related to BSA/AML -HR 1277/S 374 Improving Corporate Governance Through Diversity Act of 2021 -HR 4258 To establish a governmentwide approach to improving digital identity, and for other purposes. -Issues related to arbitration HR 963/S 505 Forced Arbitration Injustice Repeal Act -Issues related to interest rate caps -HR 745 Fair Access to Credit Act of 2021 -HR 2449 To Amend the CARES Act to provide for repayment terms for mortgages in forbearance -National Defense Authorization Act for Fiscal Year 20222021(issues related to banking) No bill number yet -Issues related to credit scores -HR 1491 Fair Debt Collection Practices for Servicemembers Act -HR 1645 To amend the Fair Credit Reporting Act to make improvements to the regulation of consumer reporting agencies and protect consumers, and for other purposes. -HR 745 Fair Access to Credit Scores Act of 2021 -HR 166 Fair Lending for All Act -Issues related to unfair, deceptive, and abusive acts and practices -Issues related to financial innovation -Issues related to financial literacy -Issues related to the Community Reinvestment Act -Issues related to debt collection -Issues related to artificial intelligence -Issues related to small business data collection -Issues related to privacy -Issues related to Covid-19 Relief -Issues related to diversity, equity, and inclusion -Issues related to anti-trust -Issues related to data aggregation -Issues related to federal appointments

Client expense: $530,000 · Firm income: Not reported

H.R.5 - Equality Act S.393 - Equality Act H.R.166 - Fair Lending for All Act H.R.68 - Housing Fairness Act of 2021 S.769 - Housing Fairness Act of 2021 PN79-2 - Kristen M. Clarke - Department of Justice H.R.1674 - To authorize assistance for fair housing enforcement activities to respond to the COVID-19 pandemic, and for other purposes.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

ASEE 2021 Engineering Deans Council Public Policy Colloquium (PPC) that took place February 3, 2021. Dean Sharon Woods and Ellyn Perrone attended these virtual meetings with Senator Cornyn, Rep. Castro, Rep. Williams, Rep. McCaul, Rep. Cloud, Rep. Gohmert, Rep. Jackson, and Rep. Pfluger's offices to discuss issues important to engineering, including research funding. Continued support on the CHIPS Act(HR7178). 2/22-24/2021: BIG 12 Day on the Hill: UT's legislative student organizations met with staff members from Representatives; Al Green, Chip Roy, Pete Sessions, Lloyd Doggett, Roger Williams, Sylvia Garcia, Lizzie Pannill Fletcher, Michael McCaul, Veronica Escobar and Senator Cornyn to discuss the following legislation: H.R. 166: Fair Lending for All Act, H.Res 100/S. Res. 46: Federal Student Loan Debt Cancellation, H.Res 588: Mental Health, H.R. 868: END Stigma Act, and Texas Disaster Relief.

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

Government targets: Army, Dept of (Other), HOUSE OF REPRESENTATIVES, SENATE

H.R.6379 Take Responsibility for Workers and Families Act S.3566Stop Overdraft Profiteering during COVID-19 Emergency Act of 2020 - to prohibit depository institutions from assessing overdraft and non-sufficient fund fees during the novel coronavirus crisis and other disasters, and for other purposes. S.3560Small Business and Consumer Emergency Credit Act - To amend the Truth in Lending Act to extend the consumer credit protections provided to members of the Armed Forces and their dependents under title 10, United States Code, to all consumers. S 3548To provide emergency assistance and health care response for individuals, families, and businesses affected by the 2020 coronavirus pandemic. S.3509A bill to provide borrowers the right to request forbearance on mortgage loan payments due to a declared disaster, and for other purposes. H.R.6321 To provide financial protections and assistance for America's consumers, States, businesses, and vulnerable populations during the COVID-19 emergency and to recover from the emergency. H.R.6363Student Debt Emergency Relief Act HR 748Coronavirus Aid, Relief, and Economic Security Act or the CARES Act - This bill responds to the COVID-19 (i.e., coronavirus disease 2019) outbreak and its impact on the economy, public health, state and local governments, individuals, and businesses H.R. 3674 the College Affordability Act, a bill to lower the costs of college for students and improve the quality of education H.J.Res.76 Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Department of Education relating to "Borrower Defense Institutional Accountability" HR 5050 / s 2833 To amend the Truth in Lending Act to extend the consumer credit protections provided to members of the Armed Forces and their dependents under title 10, United States Code, to all consumers H.R. XXXX Protecting Consumers Access to Credit Act (This bill amends the Revised Statutes, the Home Owners' Loan Act, the Federal Credit Union Act, and the Federal Deposit Insurance Act to state that bank loans that are valid when made as to their maximum rate of interest in accordance with federal law shall remain valid with respect to that rate regardless of whether a bank has subsequently sold or assigned the loan to a third party.) H.R. XXXXthe Protecting Consumers from Unreasonable Credit Rates Act (This bill amends the Truth in Lending Act to prohibit a creditor from extending credit to a consumer under an open end consumer credit plan (credit card) for which the fee and interest rate exceeds 36%.) S. 3841To protect 2020 recovery rebates for individuals from assignment or garnishment, and for other purposes. S. 3620To establish a Housing Assistance Fund at the Department of the Treasury. This bill provides funds for assistance to homeowners to prevent mortgage defaults, foreclosures, and displacements of individuals and families experiencing financial hardship after January 21, 2020. H.R. 6741 COVID-19 Mortgage Relief Act, to amend the CARES Act to provide forbearance and foreclosure moratoriums for all mortgage loans, and for other purposes. H.R. 6800 Health and Economic Recovery Omnibus Emergency Solutions Act (HEROES Act). Among other things, the bill modifies and expands the Paycheck Protection Program, which provides loans and grants to small businesses and nonprofit organizations; extends and expands the moratorium on certain evictions and foreclosures S. 3685Emergency Rental Assistance and Rental Market Stabilization Act of 2020, a bill to provide emergency rental assistance under the Emergency Solutions Grants program of HUD in response to the public health emergency resulting from the coronavirus, and for other purposes. H.J. Res 90 A Congressional Review Act resolution of disapproval to nullify the OCCs Community Reinvestment Act rule H.R. 679 Promoting Access to Credit for Homebuyers Act of 2020, to promote access to mortgage credit during the COVID-19 pandemic by preventing restrictions on providing Federal backing for single-family mortgage loans in forbearance, and for other purposes. S. 4519Rent Emergencies Leave Impacts on Evicted Families Act (RELIEF Act), A bill to provide mortgage relief and to provide eviction relief for renters related to the COVID-19 pandemic S.4260 - Promoting Access to Credit for Homebuyers Act of 2020 S 4073 - the Neighborhood Homes Investment Act HR 6735, COVID-19 Fraud Prevention Act - This bill establishes the Consumer and Investor Fraud Working Group to prevent fraud during the COVID-19 (i.e., coronavirus disease 2019) pandemic. The working group must report monthly regarding resources available to consumers, public enforcement actions, and related consumer complaints. H.R.7889 - Small Business Lending Disclosure and Broker Regulation Act of 2020 H.R.8039 - Examining Educational Redlining in Lending Act S.4117 - Paycheck Protection Small Business Forgiveness Act. This bill modifies loan forgiveness under the Paycheck Protection Program established to support small businesses in response to COVID-19 (i.e., coronavirus disease 2019). S.4459 - CARES Congressional Oversight Commission Diversity Act of 2020. The bill would amend the CARES Act to modify the membership requirements of the Congressional Oversight Commission to ensure that groups disproportionately impacted by COVID-19 and the resulting economic recession are represented on the Commission. S.Res.711 - A resolution calling on the President of the United States to take executive action to broadly cancel Federal student loan debt. S.4321 - Continuing Small Business Recovery and Paycheck Protection Program Act. This bill establishes funding for, expands, and provides additional economic assistance to small businesses in response to COVID-19 (i.e., coronavirus disease 2019) S.4255 - Jobs and Neighborhood Investment Act. The legislation would provide eligible community development financial institutions (CDFIs) and Minority Depository Institutions (MDIs) with capital, liquidity, and operational capacity, to expand the flow of credit into underserved, minority, and historically disadvantaged communities, helping small businesses stay afloat and expand operations, while providing affordable access to credit for lower income borrowers. S.3742 - RELIEF for Main Street Act. This bill establishes for one year the Small Business Local Relief Program, which shall allocate resources to states, local governments, and Native American tribes for providing assistance to certain small businesses and nonprofits that have lost revenue due to COVID-19 (i.e., coronavirus disease 2019). S.4614 - Postal Banking Act. The Postal Banking Act would re-establish postal banking to provide financial security to millions of Americans in low-income and rural communities and create approximately $9 billion in annual revenue and strengthen USPS. H.R.6395 - William M. (Mac) Thornberry National Defense Authorization Act for Fiscal Year 2021. This bill authorizes FY2021 appropriations and sets forth policies for Department of Defense (DOD) programs and activities, including military personnel strengths. It does not provide budget authority, which is provided in subsequent appropriations legislation. H.Amdt.843 to H.R.6395. An amendment numbered 17 printed in House Report 116-457 to extend CARES student loan protections for private student loan borrowers who were left out of the CARES Act. It also amendment extends the private student loan protections to September 30, 2021. H.Amdt.840 to H.R.6395. Amendment provides up to $10,000 in immediate assistance to pay down the balance of private student loans, and requires the servicer to modify the loan when borrower payments resume. S.4237 - Student Loan Fairness Act. The Student Loan Fairness Act (S. 4237) will extend the CARES Act student loan relief to recipients of Perkins loans and commercially-held FFEL loans by covering the cost of interest and suspending monthly payments for the period of March 13 through September 30, 2020, and suspending all involuntary collection, such as administrative wage garnishment or offsets from tax refunds, for this period. H.R. 68 Housing Fairness Act. This bill authorizes funds for HUD to prevent housing discrimination through the use of nationwide testing, increases funds for the Fair Housing Initiative Program, and provides grants to private entities to study housing discrimination. S. 404Coronavirus Housing Counseling Improvement Act. This bill provides funding for the Neighborhood Reinvestment Corporation (NeighborWorks) to support housing counseling services for homeowners, renters, people experiencing/risk of homelessness navigate housing options and rights during the COVID-19 crisis. Bill also requires that no less than 40% of the $700 million fund is targeted to counseling organizations that serve minority and low-income homeowners and renters. H.R. 3154Homeownership for DREAMers Act. This bill prohibits federal mortgage providers from limiting insurance eligibility on the basis of the mortgagor's participation in the Deferred Action for Childhood Arrivals Program. S. __Mapping Housing Discrimination Act. To authorize a grant program for educational institutions to analyze, digitize, and map historic records relating to housing discrimination. S. 787American Housing and Economic Mobility Act. This bill supports affordable housing and fair housing by investing in various housing programs (National Housing Trust Fund, CDBG, etc), providing down payment assistance, and expanding the Fair Housing Act's proteections. H.R. __Downpayment Toward Equity Act. This bill provides downpayment assistance to first-generation homebuyers to address multigeneration inequities in access to homeownership. HR 1319 - American Rescue Plan Act of 2021 - This bill provides additional relief to address the continued impact of COVID-19 (i.e., coronavirus disease 2019) on the economy, public health, state and local governments, individuals, and businesses. H. Res. 100 - This resolution calls on the President to take executive action to cancel up to $50,000 in federal student loan debt for borrowers. Further, it encourages the President to (1) ensure that borrowers have no tax liability from the debt cancellation, (2) ensure that the debt cancellation helps close racial wealth gaps, and (3) pause student loan payments and interest accumulation on federal student loans for the duration of the COVID-19 (i.e., coronavirus disease 2019) pandemic. S. 355 - COVID-19 Medical Debt Collection Relief Act - This bill temporarily limits certain activities to collect medical debts by health care providers that apply for, or accept, COVID-19 (i.e., coronavirus 2019) financial relief. S. 210 - Protecting Job Opportunities for Borrowers Act - This bill prohibits a state from suspending, revoking, or denying a state-issued driver's license, teaching license, or professional license based solely on an individual's default or delinquency on a federal student loan or health education loan. Further, an aggrieved individual may bring a civil action against a state for violations. HR 166 - Fair Lending for All Act - This bill modifies provisions related to prohibited credit discrimination. S 3389 - Expanding Access to Lending Options Act - This bill allows the National Credit Union Administration Board to increase the federal credit union loan maturity cap from 15 to 20 years. HR__, the Small Business Fairness Lending Act HR 1491, the Fair Debt Collection Practices for Servicemembers Act - This bill prohibits a debt collector from representing to service members that failure to cooperate with a debt collector will result in a reduction of rank, a revocation of security clearance, or military prosecution. The Government Accountability Office must report on the impact of this prohibition on the timely delivery of information to service members, military readiness, and national security. HR 2498, the Private Loan Disability Discharge Act - A legislative analyst in the Congressional Research Service will begin analyzing this legislation after text becomes available. HR 2537, the Consumer Protection for Medical Debt Collections Act - To amend the Fair Debt Collection Practices Act to provide a timetable for the collection of medical debt by debt collectors, to amend the Fair Credit Reporting Act to prohibit consumer reporting agencies from issuing consumer reports containing information about debts related to medically necessary procedures, and for other purposes. HR 1657, the Ending Debt Collection Harassment Act - To amend the Consumer Financial Protection Act of 2010 and the Fair Debt Collection Practices Act to improve consumer protections relating to debt collection practices, and for other purposes HR 2572, the Stop Debt Collection Abuse Act - To amend the Fair Debt Collection Practices Act to restrict the debt collection practices of certain debt collectors. HR __, the Debt Collection Practices Harmonization Act - This bill applies certain consumer protections regarding debt collection to debt owed to a state. It also specifies that existing limits on civil damages awarded for abusive practices by a debt collector must be adjusted for inflation. HR 2458, the Non-Judicial Foreclosure Debt Collection Clarification Act - To amend the Fair Debt Collection Practices Act to clarify that the definition of a debt collector includes, in all cases, a person in a business the principal purpose of which is the enforcement of security interests.