To provide for the withdrawal of the United States from the United Nations Framework Convention on Climate Change, and for other purposes.

LEGISLATIVE House H.R. 2798- CFPB Transparency and Accountability Reform Act H.R. 1410- Consumer Financial Protection Commission Act H.R. 1382- TABS Act of 2023 H.R. 1313- Transparency in CFPB Cost-Benefit Analysis Act H.R. 1411- CFPB-IG Reform Act of 2023 H.R. 1165- Data Privacy Act of 2023 H.R. 3881- Credit Card Competition Act of 2023 H.R. 4766- Clarity for Payment Stablecoins Act H.R. 8356- Small Dollar Loan Certainty Act H.R. 8338- Clarity in Lending Act Issues related to implementation of Section 1071 of the Dodd-Frank Act H.R. 4277- Overdraft Protection Act of 2021 (117th Congress) H.R. 6789- Rectifying UDAAP Act H.J.Res. 122- 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 "Credit Card Penalty Fees (Regulation Z)" H.R. 7531- Secure Payments Act of 2024 Senate S. 1362- Transparency in CFPB Cost-Benefit Analysis Act S. 1838- Credit Card Competition Act of 2023 S. 2760- Capping Credit Card Interest Rates Act S. 3549- Predatory Lending Elimination Act S. 2482- Community Advantage Loan Program Act S.J.Res. 70- 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 "Credit Card Penalty Fees (Regulation Z)". S. 4570- Secure Payments Act of 2024 Both Chambers Issues related to the cumulative impact of banking regulations, particularly to regional banks Issues related to Zelle payment platform and changes to Regulation E Issues related to banning arbitration agreements House/Senate Semi-annual Hearings with the Director of the CFPB Issues related to Financial Services and General Government Appropriations Issues related to consumer data privacy Issues related to regulation of private student loans Legislation related to student loan refinancing programs Issues related to federal student loan reform Issues related to cyber security, data security, and breach notification Issues related to credit card network interchange fees Issues related to financial regulatory coordination Issues related to the Paperwork Reduction Act Issues related to fraud and scams Issues related to debit interchange Issues related to overdraft Issues related to the use of artificial intelligence in financial services Legislation related to the Small Business Administration 7(a) loan program REGULATORY Privacy Issues, 12 CFR Parts 40, 216, 332, 1016 CFPB Issues related to Section 1033 of the Dodd-Frank Act Issues related to CFPB Credit Card late fees Safe Harbor rule Issues related to UDAAP exam manual changes Issues related to Section 1071 Small Business Data Collection Issues related to Overdraft and non-sufficient funds (NSF) fees Issues related to Fintech oversight Issues related to Section 1034 of the Dodd-Frank Act Issues related to the Fair Credit Reporting Act Issues related to CFPB supervisory authority under Section 1024 Issues related to CFPB agency guidance Issues related to CFPB Consumer Response Portal Issues related to CFPB Taskforce on Consumer Financial Laws Issues related to Electronic Fund Transfer Act, regulation E, 15 U.S.C. 1693 Equal Credit Opportunity issues, Regulation B, 12 CFR Part 1002 Home Mortgage Disclosure Act Issues, Regulation C, 12 CFR Part 1003 Fair Credit Reporting Issues, 12 CFR Parts 41, 171, 334, 1022 Truth in Lending Issues, Regulation Z, 12 CFR Part 1026 Fair Debt Collection Practices Issues, Regulation F, 12 CFR Part 1006 Issues related to Buy Now Pay Later products Issues related to Early Wage Access products Issues related to regulation E opt-in requirements OCC Issues related to the Community Reinvestment Act Issues related to fair lending and fair banking Issues related to the Fair Housing Act Issues related to Underbanked/Unbanked Consumers- Consumer Financial Health Issues related to mergers and acquisitions Federal Reserve Issues related to the Federal Reserve Central Digital Bank Currency Issues related to the Community Reinvestment Act Issues related to Basel III Endgame Proposal Issues related to debit interchange, Reg. II FDIC Issues related to FDIC Deposit Insurance Issues related to the Bank Secrecy Act and Anti-Money Laundering Issues related to the Community Reinvestment Act Issues related to FDIC logo signage Issues related to mergers and acquisitions SBA Issues related to Small Business Act Issues related to SBA 7(a) Loan Program and fees Issues related to SBA 504 Loan Program and fees Issues related to the Paycheck Protection Program Department of Education Issues related to the CFPBs and Department of Educations actions on student lending

Client expense: $1,040,000 · 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

LEGISLATIVE House H.R. 2798- CFPB Transparency and Accountability Reform Act H.R. 1410- Consumer Financial Protection Commission Act H.R. 1382- TABS Act of 2023 H.R. 1313- Transparency in CFPB Cost-Benefit Analysis Act H.R. 1411- CFPB-IG Reform Act of 2023 H.R. 1165- Data Privacy Act of 2023 H.R. 3881- Credit Card Competition Act of 2023 H.R. 4766- Clarity for Payment Stablecoins Act Legislation related to the Small Business Administration 7(a) loan program H.R. 8356- Small Dollar Loan Certainty Act H.R. 8338- Clarity in Lending Act Issues related to implementation of Section 1071 of the Dodd-Frank Act H.R. 4277- Overdraft Protection Act of 2021 (117th Congress) H.R. 6789- Rectifying UDAAP Act H.J.Res. 122- 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 "Credit Card Penalty Fees (Regulation Z)" Senate S. 1362- Transparency in CFPB Cost-Benefit Analysis Act S. 1838- Credit Card Competition Act of 2023 S. 2760- Capping Credit Card Interest Rates Act S. 3549- Predatory Lending Elimination Act S. 2482- Community Advantage Loan Program Act S.J.Res. 70- 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 "Credit Card Penalty Fees (Regulation Z)". Both Chambers Issues related to the cumulative impact of banking regulations, particularly to regional banks Issues related to Zelle payment platform and changes to Regulation E Issues related to banning arbitration agreements House/Senate Semi-annual Hearings with the Director of the CFPB Issues related to Financial Services and General Government Appropriations Issues related to consumer data privacy Issues related to disclosures for federal student loans Legislation related to student loan refinancing programs Issues related to federal student loan reform Issues related to cyber security, data security, and breach notification Issues related to credit card network interchange fees Issues related to financial regulatory coordination Issues related to the Paperwork Reduction Act Issues related to the Higher Education Act Issues related to fraud and scams Issues related to debit interchange Issues related to overdraft Issues related to the use of artificial intelligence in financial services REGULATORY Privacy Issues, 12 CFR Parts 40, 216, 332, 1016 CFPB Issues related to Section 1033 of the Dodd-Frank Act Issues related to CFPB Credit Card late fees Safe Harbor rule Issues related to UDAAP exam manual changes Issues related to Section 1071 Small Business Data Collection Issues related to Overdraft and non-sufficient funds (NSF) fees Issues related to Fintech oversight Issues related to Section 1034 of the Dodd-Frank Act Issues related to the Fair Credit Reporting Act Issues related to CFPB supervisory authority under Section 1024 Issues related to CFPB agency guidance Issues related to CFPB Consumer Response Portal Issues related to CFPB Taskforce on Consumer Financial Laws Issues related to Electronic Fund Transfer Act, regulation E, 15 U.S.C. 1693 Equal Credit Opportunity issues, Regulation B, 12 CFR Part 1002 Home Mortgage Disclosure Act Issues, Regulation C, 12 CFR Part 1003 Fair Credit Reporting Issues, 12 CFR Parts 41, 171, 334, 1022 Truth in Lending Issues, Regulation Z, 12 CFR Part 1026 Fair Debt Collection Practices Issues, Regulation F, 12 CFR Part 1006 OCC Issues related to the Community Reinvestment Act Issues related to fair lending and fair banking Issues related to the Fair Housing Act Issues related to Underbanked/Unbanked Consumers- Consumer Financial Health Federal Reserve Issues related to the Federal Reserve Central Digital Bank Currency Issues related to the Federal Reserve Consumer checking accounts Issues related to the Community Reinvestment Act Issues related to Basel III Endgame Proposal Issues related to debit interchange, Reg. II FDIC Issues related to FDIC Deposit Insurance Issues related to the Bank Secrecy Act and Anti-Money Laundering Issues related to Parent Companies of Industrial Banks and Industrial Loan Companies Issues related to the Community Reinvestment Act Issues related to Section 19 - Criminal Background for prospective employment Issues related to FDIC logo signage SBA Issues related to Small Business Act Issues related to SBA 7(a) Loan Program and fees Issues related to SBA 504 Loan Program and fees Issues related to the Paycheck Protection Program Department of Education Issues related to the CFPBs and Department of Educations actions on student lending

Client expense: $800,000 · 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

LEGISLATIVE House H.R. 2798- CFPB Transparency and Accountability Reform Act H.R. 1410- Consumer Financial Protection Commission Act H.R. 1382- TABS Act of 2023 H.R. 1313- Transparency in CFPB Cost-Benefit Analysis Act H.R. 1411- CFPB-IG Reform Act of 2023 H.R. 1165- Data Privacy Act of 2023 H.R. 3881- Credit Card Competition Act of 2023 H.R. 4766- Clarity for Payment Stablecoins Act Legislation related to the Small Business Administration 7(a) loan program Legislation related to small dollar lending Issues related to implementation of Section 1071 of the Dodd-Frank Act H.R. 4277- Overdraft Protection Act of 2021 (117th Congress) H.R. 6789- Rectifying UDAAP Act H.J.Res. 122- 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 "Credit Card Penalty Fees (Regulation Z)" Senate S. 1362- Transparency in CFPB Cost-Benefit Analysis Act S. 1838- Credit Card Competition Act of 2023 S. 2760- Capping Credit Card Interest Rates Act S. 3549- Predatory Lending Elimination Act S. 2482- Community Advantage Loan Program Act S.J.Res. 70- 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 "Credit Card Penalty Fees (Regulation Z)". Both Chambers Issues related to the cumulative impact of banking regulations, particularly to regional banks Issues related to Zelle payment platform and changes to Regulation E Issues related to banning arbitration agreements House/Senate Semi-annual Hearing with the Director of the CFPB Issues related to Financial Services and General Government Appropriations Issues related to consumer data privacy Legislation related to establishing a commission at the CFPB Issues related to disclosures for federal student loans Legislation related to student loan refinancing programs Issues related to federal student loan reform Issues related to cyber security, data security, and breach notification Issues related to credit card network interchange fees Issues related to financial regulatory coordination Issues related to the Paperwork Reduction Act Issues related to the Higher Education Act Issues related to fraud and scams Issues related to the use of artificial intelligence in financial services REGULATORY Privacy Issues, 12 CFR Parts 40, 216, 332, 1016 CFPB Issues related to Section 1033 of Dodd-Frank Issues related to CFPB Credit Card late fees Safe Harbor rule Issues related to UDAAP exam manual changes Issues related to Section 1071 Small Business Data Collection Issues related to Overdraft and non-sufficient funds (NSF) fees Issues related to Fintech oversight Issues related to Section 1034 of Dodd-Frank Act Issues related to the Fair Credit Reporting Act Issues related to CFPB supervisory authority under Section 1024 Issues related to CFPB agency guidance Issues related to CFPB Consumer Response Portal Issues related to CFPB Taskforce on Consumer Financial Laws Issues related to the Servicemembers Civil Relief Act Issues related to the Military Lending Act Issues related to Electronic Fund Transfer Act, regulation E, 15 U.S.C. 1693 Equal Credit Opportunity issues, Regulation B, 12 CFR Part 1002 Home Mortgage Disclosure Act Issues, Regulation C, 12 CFR Part 1003 Fair Credit Reporting Issues, 12 CFR Parts 41, 171, 334, 1022 Truth in Lending Issues, Regulation Z, 12 CFR Part 1026 Fair Debt Collection Practices Issues, Regulation F, 12 CFR Part 1006 OCC Issues related to the Community Reinvestment Act Issues related to fair lending and fair banking Issues related to the Fair Housing Act Issues related to Underbanked/Unbanked Consumers- Consumer Financial Health Federal Reserve Issues related to the Federal Reserve Central Digital Bank Currency Issues related to the Community Reinvestment Act Issues related to Basel III Endgame Proposal Issues related to Debit Interchange Proposals - Reg. II FDIC Issues related to FDIC Deposit Insurance Issues related to the Bank Secrecy Act and Anti-Money Laundering Issues related to the Counter Terrorism & Illicit Finance Act Issues related to the Community Reinvestment Act Issues related to FDIC logo signage SBA Issues related to Small Business Act Issues related to SBA 7(a) Loan Program and fees Issues related to SBA 504 Loan Program and fees Department of Education Issues related to the CFPBs and Department of Educations actions on student lending

Client expense: $1,080,000 · 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