Improving Language Access in Mortgage Servicing Act of 2021

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 - Inflation Reduction Act of 2022 Credit Discrimination HR166 - Fair Lending for All Act HR8985 - Credit Access and Inclusion Act of 2022 Conversations with the House Financial Services Committee regarding Community Redevelopment Act (CRA) modernization. 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 - Inflation Reduction Act of 2022 Downpayment Assistance HR4495 - Downpayment Toward Equity Act Fair Lending Conversations with the Senate Banking Committee regarding fair lending practices and policies. Conversations with the U.S. House of Representatives and the U.S. Senate regarding Fair Housing and downpayment issues.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

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.

H.R. 1996 SAFE Banking Act H.R. 2543 Federal Reserve Racial and Economic Equity Act, Credit Union Provisions & Community Bank Amendment Amendment #6 to H.R. 2543, to repeal Section 1071 of the Dodd-Frank Act Sec. 521, 522, 523 & 524 of H.R.2543 - Federal Reserve Racial and Economic Equity Act H.R. 2561 Promoting Access to Capital in Underbanked Communities Act of 2021 H.R. 3009 Improving Language Access in Mortgage Servicing H.R. 4277 Overdraft Protection Act H.R. 4345 FY 2022 Financial Services and General Government Appropriation - Postal Banking Pilot Program H.R. 5376 The Build Back Better Act H.R. 5886 Prohibit IRS Financial Surveillance Act H.R. 5912 Close ILC Loophole Act H.R. 6037 Prohibit SBA 7(a) Direct Lending H.R. 6054 Small Business Lending Disclosure Act H.R. 6307 Protecting Access to Credit for Small Businesses Act H.R. 6732 Small LENDER Act H.R. 6739 Business Loan Privacy Act H.R. 6745 Ensuring Diversity in Community Banking Act H.R. 6802 Prevent Racial Profiling in Lending Act H.R. 6814 Small Business Fair Debt Collection Practices Act H.R. 7003 Expanding Financial Access for Underserved Communities Act H.R. 7022 Strengthening Cybersecurity Act H.R. 7412 Transparency in CFPB Cost-Benefit Analysis Act H.R. 7768 Farm Credit Administration Independence Authority Act H.R. 8152 American Data Privacy and Protection Act S. 910 SAFE Banking Act S. 1684 Federal Home Loan Banks Mission Implementation Act S. 3056 Prohibit IRS Financial Surveillance Act S. 3382 Protecting Access to Credit for Small Businesses Act S. 3409 A bill to require the appropriate Federal banking agencies to develop a Community Bank Leverage Ratio that is between 8 percent and 8.5 percent for calendar years 2022, 2023, and 2024, and for other purposes. S. 3441 CDFI Bond Guarantee Program Improvement Act S. 3715 E-Sign Modernization Act S. 3745 TAILOR Act S. 3954 Ban CBDC S. 4004 Small LENDER Act S. 4356 Lummis-Gillibrand Responsible Financial Innovation Act Bank Merger Policy Bank Secrecy Act/Anti-Money Laundering Rules/Legislation, including Beneficial Ownership Issue Banking Services Fees Cannabis Banking Central Bank Digital Currency Climate Risk Disclosure Requirements Climate-Related Financial Regulation Community Bank Access to Capital Community Development Financial Institutions (CDFI) Fund Appropriations Community Reinvestment Act Consumer Financial Protection Bureau, report of financial services in rural America Credit Reporting Credit Union Acquisitions of Community Banks Credit Union Business Lending Powers Credit Union Cybersecurity Requirements Credit Union Field of Membership Rules Credit Union Growth/Powers/Abusive Behavior Credit Union Supplemental Capital Cryptocurrency Customer Data Access, Implementation of Dodd Frank Act Section 1033 Cybersecurity Data Security, Breaches and Privacy De Novo Bank Formation Dodd Frank Act 1071- Small Business Loan Data Collection Digital Assets Regulation Durbin Amendment on Interchange; Extension to Credit Cards Emergency Capital Investment Program Expanding Opportunity for Minority Depository Institutions Act (draft) Faster/Instant Payments FDIC Premium Increases FDIC Supervisory Appeals Review Committee and Policy Federal Reserve Accounts for Consumers Financial Data Privacy Discussion Draft Financial Inclusion Fintech Regulatory Requirements Fintech/Banking Relationships Flood Insurance Reauthorization Industrial Loan Corporation Loophole Reforms/ Rakuten (ILC) et al, Deposit Insurance Applications Interchange Interest Rate Caps IRS Reporting of Financial Account Inflows/Outflows Minority Depository Institutions Issues OCC Proposed Payments Charter Overdraft Fees Overdraft Protection Patent Reform Legislation Postal Banking Protecting Consumers from Payment Scams Act (draft) SAFE Banking Act, support for inclusion in America COMPETES Act Conference SBA 7(a) Loan Program Funding and Terms SBA Direct 7(a) Direct Lending Secure Notarization Small Business Loan Data Collection--CFPB Implementation of Dodd-Frank Act Section 1071 Stablecoins Stablecoin Innovation and Protection Act of 2022 (draft) Stablecoin TRUST Act (draft) H.R. 4590 - Promoting New and Diverse Depository Institutions Act H. R. 5376 - Inflation Reduction Act of 2022 (Build Back Better) H.R. 6889 - The Credit Union Board Modernization Act H.R. 8443, Making the CFPB Accountable Act H.R. 8833, the Making Communities Stronger Through the Community Reinvestment Act H.R. 8874, Credit Card Competition Act H.R. 8950, the Digital Commodities Consumer Protection Act of 2022 S. 4522 - Transparency in CFPB Cost-Benefit Analysis Act S. 4674, Credit Card Competition Act S. 4831 No CBDC Act Amendments 69 and 70 to FY2023 FSGG Appropriations Bill (Postal banking) BankOn accounts Community Banks on Military Bases FDIC Deposit Insurance Assessments National Defense Authorization Act, opposition to inclusion of Credit Card Competition Act as an Amendment National Defense Authorization Act, report language on financial institution leases on military bases P2P Payment Applications Fraud Stablecoin Legislation - Waters-McHenry Discussion Draft Unfair, deceptive, or abusive acts and practices (UDAAP)

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

H.R. 3009 - Improving Language Access in Mortgage Servicing Act H.R. 5828 - Pets Belong with Families Act H.R.2542 - Fair Housing for Domestic Violence and Sexual Violence Survivors Act of 2021 S. 4485 - Fair Housing Improvements Act PN1783 - Ketanji Brown Jackson - Supreme Court of the United States

Client expense: $90,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 1996 SAFE Banking Act H.R. 2543 Federal Reserve Racial and Economic Equity Act, Credit Union Provisions & Community Bank Amendment Amendment #6 to H.R. 2543, to repeal Section 1071 of the Dodd-Frank Act Sec. 521, 522, 523 & 524 of H.R.2543 - Federal Reserve Racial and Economic Equity Act H.R. 2561 Promoting Access to Capital in Underbanked Communities Act of 2021 H.R. 3009 Improving Language Access in Mortgage Servicing H.R. 4277 Overdraft Protection Act H.R. 4345 FY 2022 Financial Services and General Government Appropriation - Postal Banking Pilot Program H.R. 5376 The Build Back Better Act H.R. 5886 Prohibit IRS Financial Surveillance Act H.R. 5912 Close ILC Loophole Act H.R. 6037 Prohibit SBA 7(a) Direct Lending H.R. 6054 Small Business Lending Disclosure Act H.R. 6307 Protecting Access to Credit for Small Businesses Act H.R. 6732 Small LENDER Act H.R. 6739 Business Loan Privacy Act H.R. 6745 Ensuring Diversity in Community Banking Act H.R. 6802 Prevent Racial Profiling in Lending Act H.R. 6814 Small Business Fair Debt Collection Practices Act H.R. 7003 Expanding Financial Access for Underserved Communities Act H.R. 7022 Strengthening Cybersecurity Act H.R. 7412 Transparency in CFPB Cost-Benefit Analysis Act H.R. 7768 Farm Credit Administration Independence Authority Act H.R. 8152 American Data Privacy and Protection Act S. 910 SAFE Banking Act S. 1684 Federal Home Loan Banks Mission Implementation Act S. 3056 Prohibit IRS Financial Surveillance Act S. 3382 Protecting Access to Credit for Small Businesses Act S. 3409 A bill to require the appropriate Federal banking agencies to develop a Community Bank Leverage Ratio that is between 8 percent and 8.5 percent for calendar years 2022, 2023, and 2024, and for other purposes. S. 3441 CDFI Bond Guarantee Program Improvement Act S. 3715 E-Sign Modernization Act S. 3745 TAILOR Act S. 3954 Ban CBDC S. 4004 Small LENDER Act S. 4356 Lummis-Gillibrand Responsible Financial Innovation Act Bank Merger Policy Bank Secrecy Act/Anti-Money Laundering Rules/Legislation, including Beneficial Ownership Issue Banking Services Fees Cannabis Banking Central Bank Digital Currency Climate Risk Disclosure Requirements Climate-Related Financial Regulation Community Bank Access to Capital Community Development Financial Institutions (CDFI) Fund Appropriations Community Reinvestment Act Consumer Financial Protection Bureau, report of financial services in rural America Credit Reporting Credit Union Acquisitions of Community Banks Credit Union Business Lending Powers Credit Union Cybersecurity Requirements Credit Union Field of Membership Rules Credit Union Growth/Powers/Abusive Behavior Credit Union Supplemental Capital Cryptocurrency Customer Data Access, Implementation of Dodd Frank Act Section 1033 Cybersecurity Data Security, Breaches and Privacy De Novo Bank Formation Dodd Frank Act 1071- Small Business Loan Data Collection Digital Assets Regulation Durbin Amendment on Interchange; Extension to Credit Cards Emergency Capital Investment Program Expanding Opportunity for Minority Depository Institutions Act (draft) Faster/Instant Payments FDIC Premium Increases FDIC Supervisory Appeals Review Committee and Policy Federal Reserve Accounts for Consumers Financial Data Privacy Discussion Draft Financial Inclusion Fintech Regulatory Requirements Fintech/Banking Relationships Flood Insurance Reauthorization Industrial Loan Corporation Loophole Reforms/ Rakuten (ILC) et al, Deposit Insurance Applications Interchange Interest Rate Caps IRS Reporting of Financial Account Inflows/Outflows Minority Depository Institutions Issues OCC Proposed Payments Charter Overdraft Fees Overdraft Protection Patent Reform Legislation Postal Banking Protecting Consumers from Payment Scams Act (draft) SAFE Banking Act, support for inclusion in America COMPETES Act Conference SBA 7(a) Loan Program Funding and Terms SBA Direct 7(a) Direct Lending Secure Notarization Small Business Loan Data Collection--CFPB Implementation of Dodd-Frank Act Section 1071 Stablecoins Stablecoin Innovation and Protection Act of 2022 (draft) Stablecoin TRUST Act (draft)

H.R. 963 FAIR Act H.R. 1711 Financial Inclusion in Banking Act of 2021 H.R. 1996 SAFE Banking Act H.R. 2211 Central Bank Digital Currency Study Act H.R. 2471 Consolidated Appropriations Act 2022 Cyber Incident Reporting for Critical Infrastructure Act of 2022, Adjustable Interest Rate (LIBOR) Act H.R. 2561 Promoting Access to Capital in Underbanked Communities Act of 2021 H.R. 3009 Improving Language Access in Mortgage Servicing H.R. 3076 Postal Service Reform Act, support for Senate Amendment 4066 (Toomey) to prohibit postal banking H.R. 4277 Overdraft Protection Act H.R. 4345 FY 2022 Financial Services and General Government Appropriation - Postal Banking Pilot Program H.R. 4350 National Defense Authorization Act for FY 2022 cybersecurity provisions H.R. 4616 The Adjustable Interest Rate (LIBOR) Act H.R. 5376 The Build Back Better Act H.R. 5440 Cyber Incident Reporting for Critical Infrastructure Act H.R. 5886 Prohibit IRS Financial Surveillance Act H.R. 5912 Close ILC Loophole Act H.R. 6037 Prohibit SBA 7(a) Direct Lending H.R. 6145 Community Bank Relief Act H.R. 6307 Protecting Access to Credit for Small Businesses Act H.R. 6415 To amend the Federal Reserve Act to prohibit the Federal reserve banks from offering certain products or services directly to an individual (CBDC) H.R. 6732 Small LENDER Act H.R. 6739 Business Loan Privacy Act H.R. 6745 Ensuring Diversity in Community Banking Act H.R. 6802 Prevent Racial Profiling in Lending Act S. 910 SAFE Banking Act S. 1684 Federal Home Loan Banks Mission Implementation Act S. 2407 Cyber Incident Notification Act of 2021 S. 2875 Cyber Incident Reporting Act of 2021 S. 3056 Prohibit IRS Financial Surveillance Act S. 3382 Protecting Access to Credit for Small Businesses Act S. 3409 A bill to require the appropriate Federal banking agencies to develop a Community Bank Leverage Ratio that is between 8 percent and 8.5 percent for calendar years 2022, 2023, and 2024, and for other purposes. S. 3441 CDFI Bond Guarantee Program Improvement Act S. 3715 E-Sign Modernization Act S. 3745 TAILOR Act S.3844 Economic Continuity and Stability Act (LIBOR Transition) S. 3954 Ban CBDC S. Amend 3099 - Amendment to the Senate Budget Resolution to bar new IRS reporting Advancing Technologies to Support Inclusion Act (draft) Arbitration Bank Capital and Accounting Relief Bank Secrecy Act/Anti-Money Laundering Rules/Legislation, including Beneficial Ownership Issue Banking Services Fees Cannabis Banking CARES Act, Paycheck Protection Program Implementation CDFI Certification Consultation Act (draft) Central Bank Digital Currency Climate Risk Disclosure Requirements Climate-Related Financial Regulation Community Bank Access to Capital Community Bank Leverage Ratio Community Development Financial Institutions (CDFI) Fund Appropriations Credit Reporting Credit Union Acquisitions of Community Banks Credit Union Business Lending Powers Credit Union Field of Membership Rules Credit Union Growth/Powers/Abusive Behavior Credit Union Supplemental Capital Cryptocurrency Customer Data Access, Implementation of Dodd Frank Act Section 1033 Cyber Incident reporting legislation Cybersecurity Data Security, Breaches and Privacy De Novo Bank Formation DFA 1071- Small Business Loan Data Collection Digital Assets Regulation Durbin Amendment on Interchange; Extension to Credit Cards Emergency Capital Investment Program Expanding Opportunity for Minority Depository Institutions Act (draft) Faster/Instant Payments Federal Reserve Accounts for Consumers Financial Sanctions Fintech Regulatory Requirements Fintech/Banking Relationships Flood Insurance Reauthorization Industrial Loan Corporation Loophole Reforms/ Rakuten (ILC) et al, Deposit Insurance Applications Interchange Interest Rate Caps IRS Reporting of Financial Account Inflows/Outflows LIBOR Transition Minority Depository Institutions Issues OCC Proposed Payments Charter Overdraft Fees Overdraft Protection Payment semi-conductor chip disruptions Postal Banking Promoting and Advancing Communities of Color Through Inclusive Lending Act (draft) Public Banking Raising the FDICIA Asset Thresholds of 12 CFR Part 363--FDIC Regulatory and Tax Relief for Community Banks SBA 7(a) Loan Program Funding and Terms SBA Direct 7(a) Direct Lending Secure Notarization Simplification of Deposit Insurance Rules Small Business Loan Data Collection--CFPB Implementation of Dodd-Frank Act Section 1071 Stablecoins Stablecoin Innovation and Protection Act of 2022 (draft) Supporting the Creation of Diverse and Mission-Driven Community Financial Institutions Act(draft) Tailored Supervision of Community Banks (draft legislation) The Strengthening Cybersecurity for the Financial Sector Act (draft legislation) Understanding Community Financial Institutions Impact in Underserved Communities Act(draft)

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

H.R. 5376 - Build Back Better Act H.R. 3009 - Improving Language Access in Mortgage Servicing Act of 2021 S. 3788 - Housing for All Act of 2022 S. 1860 - Lead-Safe Housing for Kids Act of 2021

Client expense: $50,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HR 3009 Improving Language Access in Mortgage Servicing Act of 2021 American Rescue Plan - homeowner assistance fund Housing as Infrastructure HR 5376 Build Back Better Act Stop Unfair Home Lending Act HR 123 Alternative Data for Additional Credit FHA Pilot Program Reauthorization Act Reforming Disaster Recovery Act funding for housing in budget reconciliation Housing Survivors of Major Disasters Act

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

Government targets: Consumer Financial Protection Bureau (CFPB), HOUSE OF REPRESENTATIVES, SENATE

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

H.R. 2126 -Housing Supply and Affordability Act H.R. 2483 -Build More Housing Near Transit Act H.R. 2553 -Real Estate Valuation and Fairness Act H.R. 2768 -American Housing and Economic Mobility Act H.R. 2851 -Affordable Housing Preservation Act H.R. 3009 -Improving Language Access in Mortgage Servicing Act H.R. 3172 -HELPER Act H.R. 3198 -Yes In My Back Yard Act H.R. 3680 -Promoting Affordable Housing Near Transit Act H.R. 3684 -INVEST in America Act H.R. 3913 -Renter Protection Act H.R. 4495 -Downpayment Toward Equity Act of 2021 H.R. 4502 -Labor, Health and Human Services, Education, Agriculture, Rural Development, Energy and Water Development, Financial Services and General Government, Interior, Environment, Military Construction, Veterans Affairs, Transportation, and Housing and Urban Development Appropriations Act, 2022 H.R. 5196 -Expediting Assistance to Renters and Landlords Act of 2021 S. 902 -Housing Supply and Affordability Act S. 1614 -Yes In My Back Yard Act S. 1820-Choice in Affordable Housing Act S. 2131-Improving FHA Support For Small Dollar Mortgages Act S. 2797-LIFT Homebuyers Act of 2021 H.R. 5915 -FHA Fairness Act H.R. 6119 -Further Extending Government Funding Act H.R. 4155 -Green Neighborhoods Act H.R. 4657 -Veteran Home Energy Savings Act

Client expense: $590,000 · Firm income: Not reported

H.R. 2126 -Housing Supply and Affordability Act H.R. 2483 -Build More Housing Near Transit Act H.R. 2553 -Real Estate Valuation and Fairness Act H.R. 2768 -American Housing and Economic Mobility Act H.R. 2851 -Affordable Housing Preservation Act H.R. 3009 -Improving Language Access in Mortgage Servicing Act H.R. 3172 -HELPER Act H.R. 3198 -Yes In My Back Yard Act H.R. 3680 -Promoting Affordable Housing Near Transit Act H.R. 3684 -INVEST in America Act H.R. 3913 -Renter Protection Act H.R. 4495 -Downpayment Toward Equity Act of 2021 H.R. 4502 -Labor, Health and Human Services, Education, Agriculture, Rural Development, Energy and Water Development, Financial Services and General Government, Interior, Environment, Military Construction, Veterans Affairs, Transportation, and Housing and Urban Development Appropriations Act, 2022 H.R. 5196 -Expediting Assistance to Renters and Landlords Act of 2021 S. 902 -Housing Supply and Affordability Act S. 1614 -Yes In My Back Yard Act S. 1820-Choice in Affordable Housing Act S. 2131-Improving FHA Support For Small Dollar Mortgages Act S. 2797-LIFT Homebuyers Act of 2021

Client expense: $660,000 · 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

H.R. 2126 -Housing Supply and Affordability Act H.R. 2483 -Build More Housing Near Transit Act H.R. 2553 -Real Estate Valuation and Fairness Act H.R. 2768 -American Housing and Economic Mobility Act H.R. 2851 -Affordable Housing Preservation Act H.R. 3009 -Improving Language Access in Mortgage Servicing Act H.R. 3172 -HELPER Act H.R. 3198 -Yes In My Back Yard Act H.R. 3680 -Promoting Affordable Housing Near Transit Act H.R. 3684 -INVEST in America Act H.R. 3913 -Renter Protection Act H.R. 4495 -Downpayment Toward Equity Act of 2021 H.R. 4502 -Labor, Health and Human Services, Education, Agriculture, Rural Development, Energy and Water Development, Financial Services and General Government, Interior, Environment, Military Construction, Veterans Affairs, Transportation, and Housing and Urban Development Appropriations Act, 2022 H.R. 5196 -Expediting Assistance to Renters and Landlords Act of 2021 S. 902 -Housing Supply and Affordability Act S. 1614 -Yes In My Back Yard Act S. 1820-Choice in Affordable Housing Act S. 2131-Improving FHA Support For Small Dollar Mortgages Act S. 2797-LIFT Homebuyers Act of 2021 H.R. 5915 -FHA Fairness Act H.R. 6119 -Further Extending Government Funding Act H.R. 4155 -Green Neighborhoods Act H.R. 4657 -Veteran Home Energy Savings Act

Client expense: $570,000 · Firm income: Not reported

H.R. 3009 - Improving Language Access in Mortgage Servicing Act H.R. 5828 - Pets Belong with Families Act H.R. 5905 - Sergeant Isaac Woodard, Jr. and Sergeant Joseph H. Maddox HI Bill Restoration Act of 2021

Client expense: $50,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 1187 Corporate Governance Improvement and Investor Protection Act (climate provisions) H.R. 1319 American Rescue Plan Act of 2021 H.R. 1711 Financial Inclusion in Banking Act of 2021 H.R. 1996 SAFE Banking Act H.R. 2211 Central Bank Digital Currency Study Act H.R. 2561 Promoting Access to Capital in Underbanked Communities Act of 2021 H.R. 2570 Climate Risk Disclosure Act of 2021 H.R. 3009 Improving Language Access in Mortgage Servicing H.R. 3910 To Amend the Gramm Leach Bliley Act to give the CFPB rulemaking and enforcement authority over the safeguards rule with respect to data aggregators H.R. 3926 Securing and Enabling Commerce Using Remote and Electronic Notarization Act of 2021 H.R. 4277 Overdraft Protection Act H.R. 4345 FY 2022 Financial Services and General Government Appropriation - Postal Banking Pilot Program H.R. 4350 National Defense Authorization Act for FY 2022 cybersecurity provisions H.R. 4590 The Promoting New and Diverse Depository Institutions Act H.R. 4616 The Adjustable Interest Rate (LIBOR) Act H.R. 4773 The Consumer Financial Protection Commission Act H.R. 5253 Fossil Free Finance Act H.R. 5376 The Build Back Better Act H.R. 5440 Cyber Incident Reporting for Critical Infrastructure Act H.R. 5874 Veterans and Consumers Fair Credit Act H.R. 5886 Prohibit IRS Financial Surveillance Act H.R. 5911 Fair Hiring in Banking Act H.R. 5974 Veterans and Consumers Fair Credit Act H.R. 6037 Prohibit SBA 7(a) Direct Lending H.R. 6145 Community Bank Relief Act H.R. 6307 Protecting Access to Credit for Small Businesses Act S. 910 SAFE Banking Act S. 1625 Securing and Enabling Commerce Using Remote and Electronic Notarization Act of 2021 S. 2407 Cyber Incident Notification Act of 2021 S. 2508 Veterans and Consumers Fair Credit Act S. 2792 National Defense Authorization Act for FY2022 S. 2857 Protecting Financial Privacy Act S. 2875 Cyber Incident Reporting Act of 2021 S. 3056 Prohibit IRS Financial Surveillance Act S. 3382 Protecting Access to Credit for Small Businesses Act S. 3409 A bill to require the appropriate Federal banking agencies to develop a Community Bank Leverage Ratio that is between 8 percent and 8.5 percent for calendar years 2022, 2023, and 2024, and for other purposes. S. Amend 3099 - Amendment to the Senate Budget Resolution to bar new IRS reporting Audit and reporting regulatory asset thresholds Bank Capital and Accounting Relief Bank Secrecy Act/Anti-Money Laundering Rules/Legislation, including Beneficial Ownership Issue Cannabis Banking CARES Act, Paycheck Protection Program Implementation Central Bank Digital Currency Climate-Related Financial Regulation Community Bank Access to Capital Community Bank Leverage Ratio Community Development Financial Institutions (CDFI) Fund Appropriations Community Reinvestment Act Modernization Credit Reporting Credit Union Acquisitions of Community Banks Credit Union Business Lending Powers Credit Union Field of Membership Rules Credit Union Growth/Powers/Abusive Behavior Credit Union Supplemental Capital Cryptocurrency Current Expected Credit Loss Standard Customer Data Access, Implementation of Dodd Frank Act Section 1033 Cyber Incident reporting legislation Cybersecurity Data Security, Breaches and Privacy De Novo Bank Formation DFA 1071- Small Business Loan Data Collection Durbin Amendment on Interchange; Extension to Credit Cards Enhancing Cybersecurity of Nationwide Consumer Reporting Agencies Act (draft) Equal treatment between community banks and credit unions when assessing rent and related charges on military bases. Expanding Employment Opportunities in Banking - Criminal History Disclosures Faster/Instant Payments Federal Reserve Accounts for Consumers Fintech Regulatory Requirements Fintech/Banking Relationships Flood Insurance Reauthorization Industrial Loan Corporation Loophole Reforms/ Rakuten (ILC) et al, Deposit Insurance Applications Interchange Interest Rate Caps IRS Reporting of Financial Account Inflows/Outflows LIBOR Transition Minority Depository Institutions Issues Nomination of Professor Saule Omarova for Comptroller of the Currency OCC Proposed Payments Charter Overdraft Fees Overdraft Protection Payment semi-conductor chip disruptions Postal Banking Protecting Financial Privacy Act introduced in the Senate and the House Public Banking Raising the FDICIA Asset Thresholds of 12 CFR Part 363--FDIC Regulatory and Tax Relief for Community Banks SBA 7(a) Loan Program Funding and Terms SBA Direct 7(a) Direct Lending Simplification of Deposit Insurance Rules Small Business Loan Data Collection--CFPB Implementation of Dodd-Frank Act Section 1071 Stablecoins Supervisory Approaches (On-Site/Off-Site) Examinations Tailored Supervision of Community Banks (draft legislation) The Strengthening Cybersecurity for the Financial Sector Act (draft legislation)

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 Reg BI SEC fiduciary rule Small Business Lending Discrimination HR 4277 Overdraft Protection Act of 2021 HR 2572 Stop Debt Collection Abuse Act CFPB Big Tech Inquiry HR 5376 Build Back Better Act Blumenthal arbitration amendment to the National Defense Authorization Act for fiscal year 2022 H.R. 2620, the Investor Choice Act of 2021

Client expense: $134,000 · Firm income: Not reported

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

HR 3009 Improving Language Access in Mortgage Servicing Act of 2021 American Rescue Plan - homeowner assistance fund Preventing Unfair Foreclosures Act of 2021 HR 5376 Build Back Better Act

Client expense: $134,000 · Firm income: Not reported

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

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

H.R. 3009 - Improving Language Access in Mortgage Servicing Act

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 2126 -Housing Supply and Affordability Act H.R. 2483 -Build More Housing Near Transit Act H.R. 2553 -Real Estate Valuation and Fairness Act H.R. 2768 -American Housing and Economic Mobility Act H.R. 2851 -Affordable Housing Preservation Act H.R. 3009 -Improving Language Access in Mortgage Servicing Act H.R. 3172 -HELPER Act H.R. 3198 -Yes In My Back Yard Act H.R. 3680 -Promoting Affordable Housing Near Transit Act H.R. 3684 -INVEST in America Act H.R. 3913 -Renter Protection Act H.R. 4495 -Downpayment Toward Equity Act of 2021 H.R. 4502 -Labor, Health and Human Services, Education, Agriculture, Rural Development, Energy and Water Development, Financial Services and General Government, Interior, Environment, Military Construction, Veterans Affairs, Transportation, and Housing and Urban Development Appropriations Act, 2022 H.R. 5196 -Expediting Assistance to Renters and Landlords Act of 2021 S. 902 -Housing Supply and Affordability Act S. 1614 -Yes In My Back Yard Act S. 1820-Choice in Affordable Housing Act S. 2131-Improving FHA Support For Small Dollar Mortgages Act S. 2797-LIFT Homebuyers Act of 2021

Client expense: $650,000 · Firm income: Not reported

H.R. 1187 Corporate Governance Improvement and Investor Protection Act (climate provisions) H.R. 1319 American Rescue Plan Act of 2021 H.R. 1711 Financial Inclusion in Banking Act of 2021 H.R. 1799 The PPP Extension Act H.R. 1996 SAFE Banking Act H.R. 2211 Central Bank Digital Currency Study Act H.R. 2547 Comprehensive Debt Collection Improvement Act H.R. 2561 Promoting Access to Capital in Underbanked Communities Act of 2021 H.R. 2570 Climate Risk Disclosure Act of 2021 H.R. 3009 Improving Language Access in Mortgage Servicing H.R. 3910 To Amend the Gramm Leach Bliley Act to give the CFPB rulemaking and enforcement authority over the safeguards rule with respect to data aggregators H.R. 3911 To Amend the GLBA to establish procedures for disclosures by financial institutions of nonpublic personal information H.R. 3912 To amend the GBLA to require consumers to opt in before a financial institution may share the nonpublic personal information H.R. 3926 Securing and Enabling Commerce Using Remote and Electronic Notarization Act of 2021 H.R. 4345 FY 2022 Financial Services and General Government Appropriation - Postal Banking Pilot Program H.R. 4350 National Defense Authorization Act for FY 2022 cybersecurity provisions H.R. 4590 The Promoting New and Diverse Depository Institutions Act H.R. 4616 The Adjustable Interest Rate (LIBOR) Act H.R. 4773 The Consumer Financial Protection Commission Act H.R. 5253 Fossil Free Finance Act H.R. 5376 The Build Back Better Act H.R. 5440 Cyber Incident Reporting for Critical Infrastructure Act H.J. Res. 25 Congressional disapproval of OCC True Lender Rule S. 910 SAFE Banking Act S. 1625 Securing and Enabling Commerce Using Remote and Electronic Notarization Act of 2021 S. 2407 Cyber Incident Notification Act of 2021 S. 2508 Veterans and Consumers Fair Credit Act S. 2792 National Defense Authorization Act for FY2022 S. 2816 PIGGY BANK Act S. 2857 - Protecting Financial Privacy Act S. 2875 Cyber Incident Reporting Act of 2021 S. Amend 3099 - Amendment to the Senate Budget Resolution to bar new IRS reporting S.J. Res. 15 Congressional disapproval of OCC True Lender Rule Audit and reporting regulatory asset thresholds Bank Capital and Accounting Relief Bank Secrecy Act/Anti-Money Laundering Rules/Legislation, including Beneficial Ownership Issue Brokered Deposits Cannabis Banking CARES Act, Economic Impact Payments CARES Act, Paycheck Protection Program Implementation Central Bank Digital Currency/Digital Dollar Climate Crisis Financial Stability Act (draft) Climate Crisis Financial Stability Act (draft) Climate-Related Financial Regulation Community Bank Access to Capital Community Bank Leverage Ratio Community Development Financial Institutions (CDFI) Fund Appropriations Community Reinvestment Act Modernization Credit Reporting Credit Union Acquisitions of Community Banks/Vystar CU-Heritage Southeast Bank Transaction and Wings Financial CU/Brainerd Savings and Loan Transaction Credit Union Business Lending Powers Credit Union Field of Membership Rules Credit Union Growth/Powers/Abusive Behavior Credit Union Supplemental Capital Cryptocurrency Customer Data Access, Implementation of Dodd Frank Act Section 1033 Cyber Incident reporting legislation Cybersecurity Data Security, Breaches and Privacy De Novo Bank Formation DFA 1071- Small Business Loan Data Collection Durbin Amendment on Interchange; Extension to Credit Cards Emergency Capital Investment Program Implementation Equal treatment between community banks and credit unions when assessing rent and related charges on military bases. Federal Reserve Accounts for Consumers Fintech Regulatory Requirements Fintech/Banking Relationships Flood Insurance Reauthorization House - The Public Banking Act of 2021 (draft) House - The Access to No-Fee Accounts Act of 2021 (draft) Industrial Loan Corporation Loophole Reforms/ Rakuten (ILC) et al, Deposit Insurance Applications Interchange Interest Rate Caps IRS Reporting Issue LIBOR Transition Minority Depository Institutions Issues OCC Interpretive Letter 1176/Protego & Anchorage Conversion Applications OCC Proposed Payments Charter Postal Banking Protecting Financial Privacy Act introduced in the Senate and the House Public banking Raising the FDICIA asset thresholds of Part 363--FDIC Regulatory and Tax Relief for Community Banks SBA 7(a) Loan Program Funding and Terms Small Business Loan Data Collection--CFPB Implementation of Dodd-Frank Act Section 1071 Stablecoins

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

H.R. 1319 American Rescue Plan Act of 2021 H.R. 1711 Financial Inclusion in Banking Act of 2021 H.R. 1799 The PPP Extension Act H.R. 1996 SAFE Banking Act H.R. 2040 The Financial Reporting Modernization Act H.R. 2211 Central Bank Digital Currency Study Act H.R. 2547 Comprehensive Debt Collection Improvement Act H.R. 2561 Promoting Access to Capital in Underbanked Communities Act of 2021 H.R. 2570 Climate Risk Disclosure Act of 2021 H.R. 3009 Improving Language Access in Mortgage Servicing H.R. 3910 To Amend the Gramm Leach Bliley Act to give the CFPB rulemaking and enforcement authority over the safeguards rule with respect to data aggregators H.R. 3911 To Amend the GLBA to establish procedures for disclosures by financial institutions of nonpublic personal information H.R. 3912 To amend the GBLA to require consumers to opt in before a financial institution may share the nonpublic personal information H.R. 3926 Securing and Enabling Commerce Using Remote and Electronic Notarization Act of 2021 H.R. 4345 FY 2022 Financial Services and General Government Appropriation - Postal Banking Pilot Program H.J. Res. 25 Congressional disapproval of OCC True Lender Rule S. 723 PPP Extension Act S. 910 SAFE Banking Act S. 1625 Securing and Enabling Commerce Using Remote and Electronic Notarization Act of 2021 S.J. Res. 15 Congressional disapproval of OCC True Lender Rule Artificial Intelligence--Use by Financial Institutions Bank Capital and Accounting Relief Bank Secrecy Act/Anti-Money Laundering Rules/Legislation, including Beneficial Ownership Issue Brokered Deposits Cannabis Banking CARES Act, Economic Impact Payments CARES Act, Paycheck Protection Program Implementation Central Bank Digital Currency/Digital Dollar Climate Crisis Financial Stability Act (draft) Climate Crisis Financial Stability Act (draft) Climate-Related Financial Regulation Community Bank Access to Capital Community Bank Leverage Ratio Community Development Financial Institutions (CDFI) Fund Appropriations Community Reinvestment Act Modernization Credit Reporting Credit Union Acquisitions of Community Banks/Vystar CU-Heritage Southeast Bank Transaction and Wings Financial CU/Brainerd Savings and Loan Transaction Credit Union Business Lending Powers Credit Union Field of Membership Rules Credit Union Growth/Powers/Abusive Behavior Credit Union Supplemental Capital Cryptocurrency Current Expected Credit Losses (CECL) Customer Data Access, Implementation of Dodd Frank Act Section 1033 Cybersecurity Data Security, Breaches and Privacy De Novo Bank Formation DFA 1071- Small Business Loan Data Collection Durbin Amendment on Interchange; Extension to Credit Cards Economic Impact Payments (EIP) Garnishment Exemption EIP - Recommendations for Improving Delivery of Payments to Americans Emergency Capital Investment Program Implementation Equal treatment between community banks and credit unions when assessing rent and related charges on military bases. Fair Lending Federal Reserve Accounts for Consumers Figure Bank, NA Charter Application Fintech Regulatory Requirements Fintech/Banking Relationships Flood Insurance Reauthorization Industrial Loan Corporation Loophole Reforms/ Rakuten (ILC) et al, Deposit Insurance Applications Interchange Interest Rate Caps LIBOR Transition Minority Depository Institutions Issues Mortgage Servicer Liquidity Facility OCC Interpretive Letter 1176/Protego & Anchorage Conversion Applications OCC Proposed Payments Charter Paycheck Protection Program Loans Exclusion from Calculation of Bank Asset Thresholds Postal Banking Regulatory and Tax Relief for Community Banks SBA 7(a) Loan Program Funding and Terms Small Business Loan Data Collection--CFPB Implementation of Dodd-Frank Act Section 1071 Troubled Debt Restructuring