Veterans and Consumers Fair Credit Act

Issues pertaining to S. 2508 and H.R. 5974, Veterans and Consumers Fair Credit Act.

Client expense: $210,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Federal policy relating to anticipated Consumer Financial Protection Bureau regulation of consumer financial services including payday lending, auto title lending, and regulatory process. Potential legislation to regulate interest rates on financial products. S.J. Res. 15 - A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Office of the Comptroller of the Currency relating to "National Banks and Federal Savings Associations as Lenders." Implementation of the CARES Act (PL 116-136), provisions relating to the payroll protection program. Implementation of the American Rescue Plan Act of 2021 (PL-117-2), provisions relating to the payroll protection program. Legislative proposals relating to prohibiting retail businesses from refusing cash payments. H.R. 2040, The Financial Reporting Threshold Modernization Act, provisions relating to updating thresholds for certain currency transaction reports and suspicious activity reports. H.R. 1996, The SAFE Banking Act of 2021, provisions relating to the provision of financial services to cannabis-related businesses and service providers S. 563, The Fair Access to Banking Act, provisions relating to fair access to financial services and discount window lending programs. Veterans and Consumers Fair Credit Act (H.R. 5974/S. 2508), provisions relating to regulation of interest rates on financial products.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

All legislation related to consumer lending regulation and consumer lending policy. S. 2349, the Protecting Consumers from Unreasonable Credit Rates Act of 2021. S. 2508, the Veterans and Consumers Fair Credit Act of 2021. H.R. 5974, Veterans and Consumers Fair Credit Act.

Client expense: Not reported · Firm income: $70,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Proposals that would alter the vehicle sales, advertising and financing process Legislative proposals to eliminate Industrial Loan Company charters (H.R. 5912, "The Close the ILC Loophole Act") Legislative proposals to cap the interest rate on extensions of consumer credit and redefine the APR (H.R. 5974/S. 2508, "The Veterans and Consumers Fair Credit Act") Interpretation of the scope of the vehicle financing exclusion to the Military Lending Act Proposals regarding dealer participation, consumer discounts and voluntary protection products. Proposals regarding the Safeguards Rule Proposals regarding Section 1071 small business data collection Proposals related to telemarketing and advertising

Client expense: $1,533,000 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), Defense, Dept of (DOD), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, SENATE

General issues related to consumer lending. H.R.5974/S.2508 - Veterans and Consumers Fair Credit Act. H.R.2543 - Federal Reserve Racial and Economic Equity Act. H.R.5912 - Close the ILC Loophole Act.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

Legislative proposals impacting banking services for financial services providers; Payday, Vehicle Title, and Certain High-Cost Installment Loans; Federal policy relating to anticipated Consumer Financial Protection Bureau regulation of consumer financial services including payday and auto title lending, and regulatory process; FY2023 National Defense Authorization Act (H.R.7900, S.4543); H.R.4395, Payment Choice Act of 2021; S.2349, Protecting Consumers from Unreasonable Credit Rates Act of 2021; S.2508/H.R.5974, Veterans and Consumers Fair Credit Act; H.R.2543, Federal Reserve Racial and Economic Equity Act.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

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 7900 National Defense Authorization Act for Fiscal Year 2023 (issues related to banking) -HR 4373 Further Additional Continuing Appropriations and Extensions Act, 2023 -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: $380,000 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Natl Economic Council (NEC), SENATE, Treasury, Dept of

Issues related to the regulation of insurance products and voluntary protection products. Issues related to S. 2508/H.R. 5974, The Veterans and Consumers Fair Credit Act.

Client expense: Not reported · Firm income: $40,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

General issues related to consumer lending. H.R.5974/S.2508 - Veterans and Consumers Fair Credit Act. H.R.4395 - Payment Choice Act of 2021. H.R.2543 - Federal Reserve Racial and Economic Equity Act. H.R.5912 - Close the ILC Loophole Act.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

Legislative proposals impacting banking services for financial services providers; Payday, Vehicle Title, and Certain High-Cost Installment Loans; Federal policy relating to anticipated Consumer Financial Protection Bureau regulation of consumer financial services including payday and auto title lending, and regulatory process; FY2023 National Defense Authorization Act (H.R.7900, S.4543); H.R.4395, Payment Choice Act of 2021; S.2349, Protecting Consumers from Unreasonable Credit Rates Act of 2021; S.2508/H.R.5974, Veterans and Consumers Fair Credit Act; H.R.2543, Federal Reserve Racial and Economic Equity Act.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Proposals that would alter the vehicle sales, advertising and financing process Legislative proposals to eliminate Industrial Loan Company charters (H.R. 5912, "The Close the ILC Loophole Act") Legislative proposals to cap the interest rate on extensions of consumer credit and redefine the APR (H.R. 5974/S. 2508, "The Veterans and Consumers Fair Credit Act") Proposals regarding dealer participation, consumer discounts and voluntary protection products. Proposals regarding the Safeguards Rule Proposals regarding Section 1071 small business data collection Proposals related to telemarketing and advertising Interpretation of the scope of the vehicle financing exclusion to the Military Lending Act

Client expense: $1,736,000 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), Defense, Dept of (DOD), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, SENATE

All legislation related to consumer lending regulation and consumer lending policy. S. 2349, the Protecting Consumers from Unreasonable Credit Rates Act of 2021. S. 2508, the Veterans and Consumers Fair Credit Act of 2021. H.R. 5974, Veterans and Consumers Fair Credit Act.

Client expense: Not reported · Firm income: $70,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

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

Government targets: Consumer Financial Protection Bureau (CFPB), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Natl Economic Council (NEC), SENATE, Treasury, Dept of

Issues related to the regulation of insurance products and voluntary protection products. Issues related to S. 2508/H.R. 5974, The Veterans and Consumers Fair Credit Act.

Client expense: Not reported · Firm income: $40,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Federal policy relating to anticipated Consumer Financial Protection Bureau regulation of consumer financial services including payday lending, auto title lending, and regulatory process. Potential legislation to regulate interest rates on financial products. S.J. Res. 15 - A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Office of the Comptroller of the Currency relating to "National Banks and Federal Savings Associations as Lenders." Implementation of the CARES Act (PL 116-136), provisions relating to the payroll protection program. Implementation of the American Rescue Plan Act of 2021 (PL-117-2), provisions relating to the payroll protection program. Legislative proposals relating to prohibiting retail businesses from refusing cash payments. H.R. 2040, The Financial Reporting Threshold Modernization Act, provisions relating to updating thresholds for certain currency transaction reports and suspicious activity reports. H.R. 1996, The SAFE Banking Act of 2021, provisions relating to the provision of financial services to cannabis-related businesses and service providers S. 563, The Fair Access to Banking Act, provisions relating to fair access to financial services and discount window lending programs. Veterans and Consumers Fair Credit Act (H.R. 5974/S. 2508), provisions relating to regulation of interest rates on financial products.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S2508 and HR 5974 VCFCA Proprietary Education Oversight Coordination Improvement Act

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

All legislation related to consumer lending regulation and consumer lending policy. S. 2349, the Protecting Consumers from Unreasonable Credit Rates Act of 2021. S. 2508, the Veterans and Consumers Fair Credit Act of 2021. H.R. 5974, Veterans and Consumers Fair Credit Act.

Client expense: Not reported · Firm income: $70,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Closing the "rent-a-bank" loophole to bypass state regulations on usury caps Increased supervision and enforcement of BNPL and EWA Eliminating excessive banking fees, including overdraft Lender robosigning on collections for consumer credit CFPB rules of practice for adjudication proceedings Review merger of TD Bank Principles for responsible consumer and small business loans to prevent predatory lending Review and regulation of "junk fees" CFPB Examination of Nonbank mortgage, private loan, and payday loan entities Applicability of CFPB 1071 Rule to Farm Credit System Mandatory arbitration by credit monitoring agencies on reportable FCRA/FCBA complaints Urge CFPB reexamination of current late fee safe harbor amounts on credit cards H.R.5912 - Close the ILC Loophole Act, a bill to reform the regulation of industrial loan companies and their parent companies H.R.5974 / S.2508 - Veterans and Consumers Fair Credit Act, a bill 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. 2677 - Stop Overdraft Profiteering Act, a bill to prohibit depository institutions from engaging in certain acts in connection with overdraft coverage S. 345 / H.R. 4277 - Overdraft Protection Act, a bill to prohibit a financial institution from engaging in unfair or deceptive acts in connection with overdraft coverage H.R. 2543 - FFederal Reserve Racial and Economic Equity Act, a bill to address access to financial services, diversity in various financial institutions and establishments, and other related issues H.R.6889 - Credit Union Board Modernization Act, a bill to amend the Federal Credit Union Act to modify the frequency of board of directors meetings, and for other purposes Nomination of Michael Barr to the Federal Reserve Board of Governors Namination of Lael Brainard to Federal Reserve Board of Governors Nomination of Lisa Cook to the Federal Reserve Board of Governors Nomination of Todd Harper to the National Credit Union Administration

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

Government targets: Consumer Financial Protection Bureau (CFPB), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Natl Credit Union Administration (NCUA), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of

Proposals affecting automotive finance Legislative proposals to eliminate Industrial Loan Company charters (H.R. 5912, "The Close the ILC Loophole Act") Legislative proposals to cap the interest rate on extensions of consumer credit and redefine the APR (H.R. 5974/S. 2508, "The Veterans and Consumers Fair Credit Act") Proposals regarding dealer participation, consumer discounts and voluntary protection products. Proposals regarding the Safeguards Rule Proposals regarding Section 1071 small business data collection Proposals related to telemarketing and advertising

Client expense: $1,215,000 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, SENATE

General issues related to consumer lending. H.R. 5974/S. 2508, the Veterans and Consumers Fair Credit Act. H.R. 4395, the Payment Choice Act. H.R. 2543, Federal Reserve Racial and Economic Equality Act. H.R. 5912 - Close the ILC Loophole Act.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

Legislative proposals impacting banking services for financial services providers; Payday, Vehicle Title, and Certain High-Cost Installment Loans; Federal policy relating to anticipated Consumer Financial Protection Bureau regulation of consumer financial services including payday and auto title lending, and regulatory process; FY2023 National Defense Authorization Act (H.R.7900); H.R.4395, Payment Choice Act of 2021; S.2349, Protecting Consumers from Unreasonable Credit Rates Act of 2021; S.2508/H.R.5974, Veterans and Consumers Fair Credit Act; H.R.2543, Federal Reserve Racial and Economic Equity Act.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to consumer lending; Issues related to COVID-19 relief H.R. 5974 - Veterans and Consumers Fair Credit Act

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

Issues related to online lending Issues related to COVID-19 relief H.R. 5974 - Veterans and Consumers Fair Credit Act

Client expense: Not reported · Firm income: $40,000

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

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

Government targets: Consumer Financial Protection Bureau (CFPB), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Natl Economic Council (NEC), SENATE, Treasury, Dept of

Federal policy relating to anticipated Consumer Financial Protection Bureau regulation of consumer financial services including payday lending, auto title lending, and regulatory process. Potential legislation to regulate interest rates on financial products. S.J. Res. 15 - A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Office of the Comptroller of the Currency relating to "National Banks and Federal Savings Associations as Lenders." Implementation of the CARES Act (PL 116-136), provisions relating to the payroll protection program. Implementation of the American Rescue Plan Act of 2021 (PL-117-2), provisions relating to the payroll protection program. Legislative proposals relating to prohibiting retail businesses from refusing cash payments. H.R. 2040, The Financial Reporting Threshold Modernization Act, provisions relating to updating thresholds for certain currency transaction reports and suspicious activity reports. H.R. 1996, The SAFE Banking Act of 2021, provisions relating to the provision of financial services to cannabis-related businesses and service providers S. 563, The Fair Access to Banking Act, provisions relating to fair access to financial services and discount window lending programs. Veterans and Consumers Fair Credit Act (H.R. 5974/S. 2508), provisions relating to regulation of interest rates on financial products.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

General issues related to indirect auto financing, S. 2508 and H.R. 5974, Veterans and Consumers Fair Credit Act.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to the regulation of insurance products and voluntary protection products. Issues related to S. 2508/H.R. 5974, The Veterans and Consumers Fair Credit Act.

Client expense: Not reported · Firm income: $40,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Overdraft Protection Act of 2021 (H.R.4277/S.2677) Servicemembers Safety and Security Act of 2021 (H.R.3769/S.2058) SMART Act of 2021 (S.2801) Veterans and Consumers Fair Credit Act (H.R.5974/S.2508)

Client expense: $20,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to online lending Issues related to COVID-19 relief HR5974 - Veterans and Consumers Fair Credit Act

Client expense: Not reported · Firm income: $40,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to consumer lending; Issues related to COVID-19 relief HR5974 - Veterans and Consumers Fair Credit Act

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

Government targets: HOUSE OF REPRESENTATIVES

Closing the "rent-a-bank" loophole to bypass state regulations on usury caps Increased supervision and enforcement of BNPL and EWA Restore the 2017 payday loan rule and supervise the larger installment, line of credit and vehicle title lenders, especially high-cost lenders Eliminating excessive banking fees, including overdraft Data-driven technologies, including algorithmic decision making, artificial intelligence, and machine learning CFPB's online complaint system acess for consumers with Limited English Proficiency Lender robosigning on collections for consumer credit Treatment of new and existing Industrial Loan Corporations H.R.5912 - Close the ILC Loophole Act, a bill to reform the regulation of industrial loan companies and their parent companies H.R.5974 / S.2508 - Veterans and Consumers Fair Credit Act, a bill 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. 2677 - Stop Overdraft Profiteering Act, a bill to prohibit depository institutions from engaging in certain acts in connection with overdraft coverage S. 345 / H.R. 4277 - Overdraft Protection Act, a bill to prohibit a financial institution from engaging in unfair or deceptive acts in connection with overdraft coverage HR. 2547 - Comprehensive Debt Collection Improvement Act, a bill to provide additional financial protections for consumers and places restrictions on debt collection activities Nominations for FRB

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

Government targets: Consumer Financial Protection Bureau (CFPB), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Natl Credit Union Administration (NCUA), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of

Proposals affecting automotive finance (No bill) Legislative proposals to cap the interest rate on extensions of consumer credit and redefine the APR (H.R. 5974/S. 2508, "The Veterans and Consumers Fair Credit Act") Proposals regarding dealer participation, consumer discounts and voluntary protection products. Proposals regarding the Safeguards Rule. Proposals regarding section 1071 small business data collection. Proposals related to telemarketing and advertising.

Client expense: $1,254,000 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, SENATE

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

Government targets: Consumer Financial Protection Bureau (CFPB), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Natl Economic Council (NEC), SENATE, Treasury, Dept of

S2508 and HR 5974 VCFCA HR 5376 Build Back Better Act 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

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

All legislation related to consumer lending regulation and consumer lending policy. S. 2349, the Protecting Consumers from Unreasonable Credit Rates Act of 2021. S. 2508, the Veterans and Consumers Fair Credit Act of 2021. H.R. 5974, Veterans and Consumers Fair Credit Act.

Client expense: Not reported · Firm income: $70,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Federal policy relating to anticipated Consumer Financial Protection Bureau regulation of consumer financial services including payday lending, auto title lending, and regulatory process. Potential legislation to regulate interest rates on financial products. S.J. Res. 15 - A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Office of the Comptroller of the Currency relating to "National Banks and Federal Savings Associations as Lenders." Implementation of the CARES Act (PL 116-136), provisions relating to the payroll protection program. Implementation of the American Rescue Plan Act of 2021 (PL-117-2), provisions relating to the payroll protection program. Legislative proposals relating to prohibiting retail businesses from refusing cash payments. H.R. 2040, The Financial Reporting Threshold Modernization Act, provisions relating to updating thresholds for certain currency transaction reports and suspicious activity reports. H.R. 1996, The SAFE Banking Act of 2021, provisions relating to the provision of financial services to cannabis-related businesses and service providers S. 563, The Fair Access to Banking Act, provisions relating to fair access to financial services and discount window lending programs. Veterans and Consumers Fair Credit Act (H.R. 5974/S. 2508), provisions relating to regulation of interest rates on financial products.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Federal policy relating to anticipated Consumer Financial Protection Bureau regulation of consumer financial services including payday lending, auto title lending, and regulatory process. Potential legislation to regulate interest rates on financial products. S.J. Res. 15 - A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Office of the Comptroller of the Currency relating to "National Banks and Federal Savings Associations as Lenders." Implementation of the CARES Act (PL 116-136), provisions relating to the payroll protection program. Implementation of the American Rescue Plan Act of 2021 (PL-117-2), provisions relating to the payroll protection program. Legislative proposals relating to prohibiting retail businesses from refusing cash payments. H.R. 2040, The Financial Reporting Threshold Modernization Act, provisions relating to updating thresholds for certain currency transaction reports and suspicious activity reports. H.R. 1996, The SAFE Banking Act of 2021, provisions relating to the provision of financial services to cannabis-related businesses and service providers S. 563, The Fair Access to Banking Act, provisions relating to fair access to financial services and discount window lending programs. Veterans and Consumers Fair Credit Act (H.R. 5974/S. 2508), provisions relating to regulation of interest rates on financial products.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to the regulation of insurance products and voluntary protection products. Issues related to S. 2508/H.R. 5974, The Veterans and Consumers Fair Credit Act.

Client expense: Not reported · Firm income: $40,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Federal policy relating to anticipated Consumer Financial Protection Bureau regulation of consumer financial services including payday lending, auto title lending, and regulatory process. Potential legislation to regulate interest rates on financial products. S.J. Res. 15 - A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Office of the Comptroller of the Currency relating to "National Banks and Federal Savings Associations as Lenders." Implementation of the CARES Act (PL 116-136), provisions relating to the payroll protection program. Implementation of the American Rescue Plan Act of 2021 (PL-117-2), provisions relating to the payroll protection program. Legislative proposals relating to prohibiting retail businesses from refusing cash payments. H.R. 2040, The Financial Reporting Threshold Modernization Act, provisions relating to updating thresholds for certain currency transaction reports and suspicious activity reports. H.R. 1996, The SAFE Banking Act of 2021, provisions relating to the provision of financial services to cannabis-related businesses and service providers S. 563, The Fair Access to Banking Act, provisions relating to fair access to financial services and discount window lending programs. Veterans and Consumers Fair Credit Act (H.R. 5974/S. 2508), provisions relating to regulation of interest rates on financial products.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Proposals affecting automotive finance (No bill) Legislative proposals to cap the interest rate on extensions of consumer credit and redefine the APR (H.R. 5974/S. 2508, "The Veterans and Consumers Fair Credit Act") Proposals regarding dealer participation, consumer discounts and voluntary protection products. Proposals regarding the Safeguard Rule.

Client expense: $1,449,000 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), Environmental Protection Agency (EPA), Executive Office of the President (EOP), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Labor, Dept of (DOL), Natl Highway Traffic Safety Administration (NHTSA), Natl Labor Relations Board (NLRB), Occupational Safety & Health Administration (OSHA), SENATE, Small Business Administration (SBA), Transportation, Dept of (DOT), Treasury, Dept of

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)

Client expense: $1,230,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Commerce, Dept of (DOC), Consumer Financial Protection Bureau (CFPB), Farm Credit Administration, Federal Accounting Standards Advisory Board (FASAB), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Natl Credit Union Administration (NCUA), Office of the Comptroller of the Currency (OCC), SENATE, Small Business Administration (SBA), Treasury, Dept of, White House Office

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

Government targets: Consumer Financial Protection Bureau (CFPB), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Natl Economic Council (NEC), SENATE, Treasury, Dept of

All legislation related to consumer lending regulation and consumer lending policy. S. 2349, the Protecting Consumers from Unreasonable Credit Rates Act of 2021. S. 2508, the Veterans and Consumers Fair Credit Act of 2021. H.R. 5974, Veterans and Consumers Fair Credit Act.

Client expense: Not reported · Firm income: $70,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to online lending Issues related to COVID-19 relief HR5974 - Veterans and Consumers Fair Credit Act

Client expense: Not reported · Firm income: $40,000

Government targets: HOUSE OF REPRESENTATIVES