PPP and Bank Fraud Enforcement Harmonization Act of 2022

Small Business Administration 7(a) loan program - program policy, appropriations, authorization level, including regulatory and other Agency policy changes; Paycheck Protection Program - program policy, implementation, modification, second draw loans; American Rescue Plan Act of 2021 [PL 117-2]; PPP Extension Act of 2021 [PL 117-6]; CARES Act [PL 116-136]; PPP Flexibility Act of 2020 [PL 116-142]; A bill to extend the authority for commitments for the paycheck protection program and separate amounts authorized for other loansundersection7(a)of the Small Business Act, and for other purposes [PL 116-147]; Economic Aid to Hard-Hit Small Businesses, Nonprofits, and Venues Act (Economic Aid Act)/ Consolidated Appropriations Act, 2021 [PL 116-260]; H.R. 7352, PPP and Bank Fraud Enforcement Harmonization Act of 2022 (PL 117-166); S. 2690, Expanding Access to Affordable Credit for Small Businesses Act; (117th Congress); H.R. 6833, Making continuing appropriations for fiscal year 2023, and for other purposes (PL 117-180); S. 2482, Community Advantage Loan Program Act of 2023; H.R. 7560, Community Advantage Loan Program Act of 2024, H.R. 4664, Making appropriations for financial services and general government for the fiscal year ending September 30, 2024, and for other purposes; H.R. 5860, Continuing Appropriations Act, 2024 and Other Extensions Act (PL 118-15); PL 118-22, Further Continuing Appropriations and Other Extensions Act, 2024; H.R. 2872, Further Additional Continuing Appropriations and Other Extensions Act, 2024 (PL 118-35); H.R. 7463, Extension of Continuing Appropriations and Other Matters Act, 2024 (PL 118-40); H.R. 2882, Further Consolidated Appropriations Act, 2024 (PL 118-47).

Client expense: $180,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Small Business Administration (SBA)

Small Business Administration 7(a) loan program - program policy, appropriations, authorization level, including regulatory and other Agency policy changes; Paycheck Protection Program - program policy, implementation, modification, second draw loans; American Rescue Plan Act of 2021 [PL 117-2]; PPP Extension Act of 2021 [PL 117-6]; CARES Act [PL 116-136]; PPP Flexibility Act of 2020 [PL 116-142]; A bill to extend the authority for commitments for the paycheck protection program and separate amounts authorized for other loansundersection7(a)of the Small Business Act, and for other purposes [PL 116-147]; Economic Aid to Hard-Hit Small Businesses, Nonprofits, and Venues Act (Economic Aid Act)/ Consolidated Appropriations Act, 2021 [PL 116-260]; H.R. 7352, PPP and Bank Fraud Enforcement Harmonization Act of 2022 (PL 117-166); S. 2690, Expanding Access to Affordable Credit for Small Businesses Act; (117th Congress); H.R. 6833, Making continuing appropriations for fiscal year 2023, and for other purposes (PL 117-180); S. 2482, Community Advantage Loan Program Act of 2023; H.R. 7560, Community Advantage Loan Program Act of 2024, H.R. 4664, Making appropriations for financial services and general government for the fiscal year ending September 30, 2024, and for other purposes; H.R. 5860, Continuing Appropriations Act, 2024 and Other Extensions Act (PL 118-15); PL 118-22, Further Continuing Appropriations and Other Extensions Act, 2024; H.R. 2872, Further Additional Continuing Appropriations and Other Extensions Act, 2024 (PL 118-35); H.R. 7463, Extension of Continuing Appropriations and Other Matters Act, 2024 (PL 118-40); H.R. 2882, Further Consolidated Appropriations Act, 2024 (PL 118-47).

Client expense: $180,000 · Firm income: Not reported

Small Business Administration 7(a) loan program - program policy, appropriations, authorization level, including regulatory and other Agency policy changes; H.R. 4664, Making appropriations for financial services and general government for the fiscal year ending September 30, 2024, and for other purposes; Paycheck Protection Program - program policy, implementation, modification, second draw loans; American Rescue Plan Act of 2021 [PL 117-2]; PPP Extension Act of 2021 [PL 117-6]; CARES Act [PL 116-136]; PPP Flexibility Act of 2020 [PL 116-142]; A bill to extend the authority for commitments for the paycheck protection program and separate amounts authorized for other loans undersection7(a)of the Small Business Act, and for other purposes [PL 116-147]; Economic Aid to Hard-Hit Small Businesses, Nonprofits, and Venues Act (Economic Aid Act)/ Consolidated Appropriations Act, 2021 [PL 116-260]; H.R. 7352, PPP and Bank Fraud Enforcement Harmonization Act of 2022 (PL 117-166); S. 2690, Expanding Access to Affordable Credit for Small Businesses Act; (117th Congress); H.R. 6833, Making continuing appropriations for fiscal year 2023, and for other purposes (PL 117-180); S. 5102, Community Advantage Loan Program Permanency Act of 2022; H.R. 8254, Financial Services and General Government Appropriations Act, 2023; S. 4685, Financial Services and General Government Appropriations Act, 2023; H.R. 8294, Transportation, Housing and Urban Development, and Related Agencies Appropriations Act, 2023; H.R. 6833, Continuing Appropriations and Ukraine Supplemental Appropriations Act, 2023 [PL 117-180]; H.R. 1437, Further Continuing Appropriations and Extensions Act, 2023 [PL 117-229]; H.R. 4373, Further Additional Continuing Appropriations and Extensions Act, 2023 [PL117-264]; H.R. 2617, Consolidated Appropriations Act, 2023 [PL 117-328]; S. 673, Small Business Child Care Investment Act; H.R. 2602, Small Business Child Care Investment Act; S. 2482, Community Advantage Loan Program Act of 2023; H.R. 5860, Continuing Appropriations Act, 2024 and Other Extensions Act; PL 118-22, Further Continuing Appropriations and Other Extensions Act, 2024

Small Business Administration 7(a) loan program - program policy, appropriations, authorization level, including regulatory and other Agency policy changes; H.R. 4664, Making appropriations for financial services and general government for the fiscal year ending September 30, 2024, and for other purposes; Paycheck Protection Program - program policy, implementation, modification, second draw loans; American Rescue Plan Act of 2021 [PL 117-2]; PPP Extension Act of 2021 [PL 117-6]; CARES Act [PL 116-136]; PPP Flexibility Act of 2020 [PL 116-142]; A bill to extend the authority for commitments for the paycheck protection program and separate amounts authorized for other loans undersection7(a)of the Small Business Act, and for other purposes [PL 116-147]; Economic Aid to Hard-Hit Small Businesses, Nonprofits, and Venues Act (Economic Aid Act)/ Consolidated Appropriations Act, 2021 [PL 116-260]; H.R. 7352, PPP and Bank Fraud Enforcement Harmonization Act of 2022 (PL 117-166); S. 2690, Expanding Access to Affordable Credit for Small Businesses Act; (117th Congress); H.R. 6833, Making continuing appropriations for fiscal year 2023, and for other purposes (PL 117-180); S. 5102, Community Advantage Loan Program Permanency Act of 2022; H.R. 8254, Financial Services and General Government Appropriations Act, 2023; S. 4685, Financial Services and General Government Appropriations Act, 2023; H.R. 8294, Transportation, Housing and Urban Development, and Related Agencies Appropriations Act, 2023; H.R. 6833, Continuing Appropriations and Ukraine Supplemental Appropriations Act, 2023 [PL 117-180]; H.R. 1437, Further Continuing Appropriations and Extensions Act, 2023 [PL 117-229]; H.R. 4373, Further Additional Continuing Appropriations and Extensions Act, 2023 [PL117-264]; H.R. 2617, Consolidated Appropriations Act, 2023 [PL 117-328]; S. 673, Small Business Child Care Investment Act; H.R. 2602, Small Business Child Care Investment Act; S. 2482, Community Advantage Loan Program Act of 2023; H.R. 5860, Continuing Appropriations Act, 2024 and Other Extensions Act; PL 118-22, Further Continuing Appropriations and Other Extensions Act, 2024

Small Business Administration 7(a) loan program - program policy, appropriations, authorization level, including regulatory and other Agency policy changes; H.R. 4664, Making appropriations for financial services and general government for the fiscal year ending September 30, 2024, and for other purposes; Paycheck Protection Program - program policy, implementation, modification, second draw loans; American Rescue Plan Act of 2021 [PL 117-2]; PPP Extension Act of 2021 [PL 117-6]; CARES Act [PL 116-136]; PPP Flexibility Act of 2020 [PL 116-142]; A bill to extend the authority for commitments for the paycheck protection program and separate amounts authorized for other loans undersection7(a)of the Small Business Act, and for other purposes [PL 116-147]; Economic Aid to Hard-Hit Small Businesses, Nonprofits, and Venues Act (Economic Aid Act)/ Consolidated Appropriations Act, 2021 [PL 116-260]; H.R. 7352, PPP and Bank Fraud Enforcement Harmonization Act of 2022 (PL 117-166); S. 2690, Expanding Access to Affordable Credit for Small Businesses Act; (117th Congress); H.R. 6833, Making continuing appropriations for fiscal year 2023, and for other purposes (PL 117-180); S. 5102, Community Advantage Loan Program Permanency Act of 2022; H.R. 8254, Financial Services and General Government Appropriations Act, 2023; S. 4685, Financial Services and General Government Appropriations Act, 2023; H.R. 8294, Transportation, Housing and Urban Development, and Related Agencies Appropriations Act, 2023; H.R. 6833, Continuing Appropriations and Ukraine Supplemental Appropriations Act, 2023 [PL 117-180]; H.R. 1437, Further Continuing Appropriations and Extensions Act, 2023 [PL 117-229]; H.R. 4373, Further Additional Continuing Appropriations and Extensions Act, 2023 [PL117-264]; H.R. 2617, Consolidated Appropriations Act, 2023 [PL 117-328]; S. 673, Small Business Child Care Investment Act; H.R. 2602, Small Business Child Care Investment Act; S. 2482, Community Advantage Loan Program Act of 2023; H.R. 5860, Continuing Appropriations Act, 2024 and Other Extensions Act; PL 118-22, Further Continuing Appropriations and Other Extensions Act, 2024

Small Business Administration 7(a) loan program - program policy, appropriations, authorization level, including regulatory and other Agency policy changes; H.R. 4664, Making appropriations for financial services and general government for the fiscal year ending September 30, 2024, and for other purposes; Paycheck Protection Program - program policy, implementation, modification, second draw loans; American Rescue Plan Act of 2021 [PL 117-2]; PPP Extension Act of 2021 [PL 117-6]; CARES Act [PL 116-136]; PPP Flexibility Act of 2020 [PL 116-142]; A bill to extend the authority for commitments for the paycheck protection program and separate amounts authorized for other loans undersection7(a)of the Small Business Act, and for other purposes [PL 116-147]; Economic Aid to Hard-Hit Small Businesses, Nonprofits, and Venues Act (Economic Aid Act)/ Consolidated Appropriations Act, 2021 [PL 116-260]; H.R. 7352, PPP and Bank Fraud Enforcement Harmonization Act of 2022 (PL 117-166); S. 2690, Expanding Access to Affordable Credit for Small Businesses Act; (117th Congress); H.R. 6833, Making continuing appropriations for fiscal year 2023, and for other purposes (PL 117-180); S. 5102, Community Advantage Loan Program Permanency Act of 2022; H.R. 8254, Financial Services and General Government Appropriations Act, 2023; S. 4685, Financial Services and General Government Appropriations Act, 2023; H.R. 8294, Transportation, Housing and Urban Development, and Related Agencies Appropriations Act, 2023; H.R. 6833, Continuing Appropriations and Ukraine Supplemental Appropriations Act, 2023 [PL 117-180]; H.R. 1437, Further Continuing Appropriations and Extensions Act, 2023 [PL 117-229]; H.R. 4373, Further Additional Continuing Appropriations and Extensions Act, 2023 [PL117-264]; H.R. 2617, Consolidated Appropriations Act, 2023 [PL 117-328]; S. 673, Small Business Child Care Investment Act; H.R. 2602, Small Business Child Care Investment Act; S. 2482, Community Advantage Loan Program Act of 2023; H.R. 5860, Continuing Appropriations Act, 2024 and Other Extensions Act

Small Business Administration 7(a) loan program - program policy, appropriations, authorization level, including regulatory and other Agency policy changes; H.R. 4664, Making appropriations for financial services and general government for the fiscal year ending September 30, 2024, and for other purposes; Paycheck Protection Program - program policy, implementation, modification, second draw loans; American Rescue Plan Act of 2021 [PL 117-2]; PPP Extension Act of 2021 [PL 117-6]; CARES Act [PL 116-136]; PPP Flexibility Act of 2020 [PL 116-142]; A bill to extend the authority for commitments for the paycheck protection program and separate amounts authorized for other loans undersection7(a)of the Small Business Act, and for other purposes [PL 116-147]; Economic Aid to Hard-Hit Small Businesses, Nonprofits, and Venues Act (Economic Aid Act)/ Consolidated Appropriations Act, 2021 [PL 116-260]; H.R. 7352, PPP and Bank Fraud Enforcement Harmonization Act of 2022 (PL 117-166); S. 2690, Expanding Access to Affordable Credit for Small Businesses Act; (117th Congress); H.R. 6833, Making continuing appropriations for fiscal year 2023, and for other purposes (PL 117-180); S. 5102, Community Advantage Loan Program Permanency Act of 2022; H.R. 8254, Financial Services and General Government Appropriations Act, 2023; S. 4685, Financial Services and General Government Appropriations Act, 2023; H.R. 8294, Transportation, Housing and Urban Development, and Related Agencies Appropriations Act, 2023; H.R. 6833, Continuing Appropriations and Ukraine Supplemental Appropriations Act, 2023 [PL 117-180]; H.R. 1437, Further Continuing Appropriations and Extensions Act, 2023 [PL 117-229]; H.R. 4373, Further Additional Continuing Appropriations and Extensions Act, 2023 [PL117-264]; H.R. 2617, Consolidated Appropriations Act, 2023 [PL 117-328]; S. 673, Small Business Child Care Investment Act; H.R. 2602, Small Business Child Care Investment Act; S. 2482, Community Advantage Loan Program Act of 2023; H.R. 5860, Continuing Appropriations Act, 2024 and Other Extensions Act

Small Business Administration 7(a) loan program - program policy, appropriations, authorization level, including regulatory and other Agency policy changes; H.R. 4664, Making appropriations for financial services and general government for the fiscal year ending September 30, 2024, and for other purposes; Paycheck Protection Program - program policy, implementation, modification, second draw loans; American Rescue Plan Act of 2021 [PL 117-2]; PPP Extension Act of 2021 [PL 117-6]; CARES Act [PL 116-136]; PPP Flexibility Act of 2020 [PL 116-142]; A bill to extend the authority for commitments for the paycheck protection program and separate amounts authorized for other loans undersection7(a)of the Small Business Act, and for other purposes [PL 116-147]; Economic Aid to Hard-Hit Small Businesses, Nonprofits, and Venues Act (Economic Aid Act)/ Consolidated Appropriations Act, 2021 [PL 116-260]; H.R. 7352, PPP and Bank Fraud Enforcement Harmonization Act of 2022 (PL 117-166); S. 2690, Expanding Access to Affordable Credit for Small Businesses Act; (117th Congress); H.R. 6833, Making continuing appropriations for fiscal year 2023, and for other purposes (PL 117-180); S. 5102, Community Advantage Loan Program Permanency Act of 2022; H.R. 8254, Financial Services and General Government Appropriations Act, 2023; S. 4685, Financial Services and General Government Appropriations Act, 2023; H.R. 8294, Transportation, Housing and Urban Development, and Related Agencies Appropriations Act, 2023; H.R. 6833, Continuing Appropriations and Ukraine Supplemental Appropriations Act, 2023 [PL 117-180]; H.R. 1437, Further Continuing Appropriations and Extensions Act, 2023 [PL 117-229]; H.R. 4373, Further Additional Continuing Appropriations and Extensions Act, 2023 [PL117-264]; H.R. 2617, Consolidated Appropriations Act, 2023 [PL 117-328]; S. 673, Small Business Child Care Investment Act; H.R. 2602, Small Business Child Care Investment Act; S. 2482, Community Advantage Loan Program Act of 2023; H.R. 5860, Continuing Appropriations Act, 2024 and Other Extensions Act

Small Business Administration 7(a) loan program - program policy, appropriations, authorization level, including regulatory and other Agency policy changes; H.R. ___, Making appropriations for financial services and general government for the fiscal year ending September 30, 2024, and for other purposes; Paycheck Protection Program - program policy, implementation, modification, second draw loans; American Rescue Plan Act of 2021 [PL 117-2]; PPP Extension Act of 2021 [PL 117-6]; CARES Act [PL 116-136]; PPP Flexibility Act of 2020 [PL 116-142]; A bill to extend the authority for commitments for the paycheck protection program and separate amounts authorized for other loans undersection7(a)of the Small Business Act, and for other purposes [PL 116-147]; Economic Aid to Hard-Hit Small Businesses, Nonprofits, and Venues Act (Economic Aid Act)/ Consolidated Appropriations Act, 2021 [PL 116-260]; H.R. 7352, PPP and Bank Fraud Enforcement Harmonization Act of 2022 (PL 117-166); S. 2690, Expanding Access to Affordable Credit for Small Businesses Act; (117th Congress); H.R. 6833, Making continuing appropriations for fiscal year 2023, and for other purposes (PL 117-180); S. 5102, Community Advantage Loan Program Permanency Act of 2022; H.R. 8254, Financial Services and General Government Appropriations Act, 2023; S. 4685, Financial Services and General Government Appropriations Act, 2023; H.R. 8294, Transportation, Housing and Urban Development, and Related Agencies Appropriations Act, 2023; H.R. 6833, Continuing Appropriations and Ukraine Supplemental Appropriations Act, 2023 [PL 117-180]; H.R. 1437, Further Continuing Appropriations and Extensions Act, 2023 [PL 117-229]; H.R. 4373, Further Additional Continuing Appropriations and Extensions Act, 2023 [PL117-264]; H.R. 2617, Consolidated Appropriations Act, 2023 [PL 117-328]; S. 673, Small Business Child Care Investment Act; H.R. ___, Small Business Child Care Investment Act; S. 5022, Childcare DESERTS Act (117th Congress)

Small Business Administration 7(a) loan program - program policy, appropriations, authorization level, including regulatory and other Agency policy changes; H.R. ___, Making appropriations for financial services and general government for the fiscal year ending September 30, 2024, and for other purposes; Paycheck Protection Program - program policy, implementation, modification, second draw loans; American Rescue Plan Act of 2021 [PL 117-2]; PPP Extension Act of 2021 [PL 117-6]; CARES Act [PL 116-136]; PPP Flexibility Act of 2020 [PL 116-142]; A bill to extend the authority for commitments for the paycheck protection program and separate amounts authorized for other loans undersection7(a)of the Small Business Act, and for other purposes [PL 116-147]; Economic Aid to Hard-Hit Small Businesses, Nonprofits, and Venues Act (Economic Aid Act)/ Consolidated Appropriations Act, 2021 [PL 116-260]; H.R. 7352, PPP and Bank Fraud Enforcement Harmonization Act of 2022 (PL 117-166); S. 2690, Expanding Access to Affordable Credit for Small Businesses Act; (117th Congress); H.R. 6833, Making continuing appropriations for fiscal year 2023, and for other purposes (PL 117-180); S. 5102, Community Advantage Loan Program Permanency Act of 2022; H.R. 8254, Financial Services and General Government Appropriations Act, 2023; S. 4685, Financial Services and General Government Appropriations Act, 2023; H.R. 8294, Transportation, Housing and Urban Development, and Related Agencies Appropriations Act, 2023; H.R. 6833, Continuing Appropriations and Ukraine Supplemental Appropriations Act, 2023 [PL 117-180]; H.R. 1437, Further Continuing Appropriations and Extensions Act, 2023 [PL 117-229]; H.R. 4373, Further Additional Continuing Appropriations and Extensions Act, 2023 [PL117-264]; H.R. 2617, Consolidated Appropriations Act, 2023 [PL 117-328]; S. 673, Small Business Child Care Investment Act; H.R. ___, Small Business Child Care Investment Act; S. 5022, Childcare DESERTS Act (117th Congress)

Small Business Administration 7(a) loan program - program policy, appropriations, authorization level, including regulatory and other Agency policy changes; H.R. ___, Making appropriations for financial services and general government for the fiscal year ending September 30, 2024, and for other purposes; Paycheck Protection Program - program policy, implementation, modification, second draw loans; American Rescue Plan Act of 2021 [PL 117-2]; PPP Extension Act of 2021 [PL 117-6]; CARES Act [PL 116-136]; PPP Flexibility Act of 2020 [PL 116-142]; A bill to extend the authority for commitments for the paycheck protection program and separate amounts authorized for other loans undersection7(a)of the Small Business Act, and for other purposes [PL 116-147]; Economic Aid to Hard-Hit Small Businesses, Nonprofits, and Venues Act (Economic Aid Act)/ Consolidated Appropriations Act, 2021 [PL 116-260]; H.R. 7352, PPP and Bank Fraud Enforcement Harmonization Act of 2022 (PL 117-166); S. 2690, Expanding Access to Affordable Credit for Small Businesses Act; (117th Congress); H.R. 6833, Making continuing appropriations for fiscal year 2023, and for other purposes (PL 117-180); S. 5102, Community Advantage Loan Program Permanency Act of 2022; H.R. 8254, Financial Services and General Government Appropriations Act, 2023; S. 4685, Financial Services and General Government Appropriations Act, 2023; H.R. 8294, Transportation, Housing and Urban Development, and Related Agencies Appropriations Act, 2023; H.R. 6833, Continuing Appropriations and Ukraine Supplemental Appropriations Act, 2023 [PL 117-180]; H.R. 1437, Further Continuing Appropriations and Extensions Act, 2023 [PL 117-229]; H.R. 4373, Further Additional Continuing Appropriations and Extensions Act, 2023 [PL117-264]; H.R. 2617, Consolidated Appropriations Act, 2023 [PL 117-328]; S. 673, Small Business Child Care Investment Act; H.R. ___, Small Business Child Care Investment Act; S. 5022, Childcare DESERTS Act (117th Congress)

2/8 House Financial Services Committee Subcommittee on Financial Institutions and Monetary Policy hearing- Revamping and Revitalizing Banking in the 21st Century 3/7 Senate Banking Committee Hearing- Monetary Policy and the State of the Economy 3/8 House Financial Services Committee Hearing- The Federal Reserves Semi-Annual Monetary Policy Report 3/8 House Financial Services Committee Subcommittee on Financial Institutions and Monetary Policy hearing- Consumer Financial Protection Bureau: Ripe for Reform 3/24 House Small Business Committee hearing- The End of Relationship Banking? Examining the CFPBs Small Business Lending Data Collection Rule H.R. 1410- Consumer Financial Protection Commission Act H.R. 1382- TABS Act of 2023 H.R. 1313- Transparency in CFPB Cost-Benefit Analysis Act H.R. 1411- CFPB-IG Reform Act of 2023 H.R. 1165- Data Privacy Act of 2023 S.4674 (117th Cong.)- Credit Card Competition Act of 2022 H.R.8874 (117th Cong.)- Credit Card Competition Act of 2022 Issues related to Zelle payment platform and changes to Regulation E House Financial Services Discussion Draft: Stablecoin Legislation Issues related to Biden Administration Student Loan Forgiveness Plan Issues related to changing UDAAP legislation/ Dodd-Frank UDAAP provisions Issues related to banning arbitration agreements H.R.7900 (117th Cong.)- National Defense Authorization Act for Fiscal Year 2023 H.R.8152 (117th Cong.)- American Data Privacy and Protection Act H.R. ____ - Protecting Consumers From Payment Scams Act Issues related to Section 1034 of Dodd-Frank Act Issues related to CFPB Credit Card Late Fees and Late Payments H.R.7412 (117th Cong.)- Transparency in CFPB Cost-Benefit Analysis Act H.R.6802 (117th Cong.)- Preventing Racial Profiling in Lending Act H.R.6732 (117th Cong.)- Small LENDER Act H.R.7352 (117th Cong.)- PPP and Bank Fraud Enforcement Harmonization Act of 2022 H.R.4277 (117th Cong.)- Overdraft Protection Act of 2021 Issues related to By Now/Pay Later Financial Products Issues related to SBA Direct 7(a) lending program H.R.6037 (117th Cong.), To prohibit the Administrator of the Small Business Administration from directly making loans under the 7(a) loan program, and for other purposes. S. 3382 (117th Cong.), To prohibit the Administrator of the Small Business Administration from directly making loans under the 7(a) loan program. Issues related to transition from LIBOR Rate S. 3056 (117th Cong.), the Prohibiting IRS Financial Surveillance Act Issues related to FDIC Director appointment House/Senate Semi-annual Hearing with the Director of the CFPB Issues related to Cyber Security, Data Security & Breach Notification Issues related to Consumer Data Privacy Issues related to the Community Reinvestment Act Issues related to fair lending and fair banking Issues related to CFPB supervisory authority under Section 1024 Issues related to Dodd-Frank including Section 1033 Issues related to the Consumer Financial Protection Bureau H.R. 4773 (117th Cong.), the Consumer Financial Protection Commission Act Legislation related to establishing a commission at the CFPB Issues related to Interest Rate Caps on Banks Issues related to CFPB Consumer Response Portal Issues related to CFPB Taskforce on Consumer Financial Laws CFPB Section 1071 rulemaking Issues related to Underbanked/Unbanked Consumers Issues related to CFPB agency guidance Issues related to bank fees, including overdraft fees and credit card late fees. Issues related to COVID-19 pandemic H.R. 4120 (117th Cong.), To amend the Fair Credit Reporting Act to provide comprehensive reforms to the consumer credit reporting laws, and for other purposes H.R. 4277 (117th Cong.), To amend the Truth in Lending Act to establish fair and transparent practices related to the marketing and provision of overdraft coverage programs at financial institutions, and for other purposes Issues related to credit card network interchange fees. Issues related to U.S. Postal Service banking services. Issues related to the Federal Reserve Central Digital Bank Currency Issues related to the Federal Reserve Consumer checking accounts Issues related to the reauthorization of the Higher Education Act Issues related to the CFPBs and Department of Educations actions on student lending Issues related to disclosures for federal student loans Legislation related to student loan refinancing programs Issues related to bankruptcy protections for student loans Issues related to federal student loan reform Issues related to AML-BSA Reform Issues related to FinCEN CDD Rule Issues related to Appropriations Issues related to the Fair Credit Reporting Act Issues related to the Community Reinvestment Act Issues related to financial regulatory coordination Issues related to SBA 7(a) Loan Program and fees H.R. 5050 (116th Cong.), the Veterans and Consumers Fair Credit Act Issues related to the Fair Housing Act Issues related to FinTech Issues related to the E-SIGN Act Issues related to the Bank Secrecy Act and Anti-Money Laundering Issues related to the Counter Terrorism & Illicit Finance Act S. 2563 (116th Cong.), the Improving Laundering Laws and Increasing Comprehensive Information Tracking of Criminal Activity in Shell Holdings Act Issues related to Parent Companies of Industrial Banks and Industrial Loan Companies Regulations: Equal Credit Opportunity issues, Regulation B, 12 CFR Part 1002 Home Mortgage Disclosure Act Issues, Regulation C, 12 CFR Part 1003 Fair Debt Collection Practices Issues, Regulation F, 12 CFR Part 1006 Privacy Issues, 12 CFR Parts 40, 216, 332, 1016 Fair Credit Reporting Issues, 12 CFR Parts 41, 171, 334, 1022 Truth in Lending Issues, Regulation Z, 12 CFR Part 1026 Regulations related to the Dodd-Frank Act, Pub. L. No. 111-203 Issues related to the Higher Education Act Issues related to Electronic Fund Transfer Act, regulation E, 15 U.S.C. 1693 Issues related to FDIC Deposit Insurance Issues related to the Paperwork Reduction Act Issues related to the Military Lending Act Community Reinvestment Act Regulations & Q&A issues Issues related to the Servicemembers Civil Relief Act Issues related to Small Business Act Issues related to the Bank Secrecy Act and Anti-Money Laundering rules Issues related to Section 1033 of Dodd-Frank Issues related to Overdraft and non-sufficient funds (NSF) fees Issues related to Fintech oversight Issues related to Buy Now Pay Later Issues related to CFPB Credit Card Safe Harbor fee Issues related to Section 1071 Small Business Data Collection Issues related to UDAAP exam manual changes

Small Business Administration 7(a) loan program - program policy, appropriations and authorization level; Paycheck Protection Program - program policy, implementation, modification, second draw loans; American Rescue Plan Act of 2021 [PL 117-2]; PPP Extension Act of 2021 [PL 117-6]; CARES Act [PL 116-136]; PPP Flexibility Act of 2020 [PL 116-142]; A bill to extend the authority for commitments for the paycheck protection program and separate amounts authorized for other loans undersection7(a)of the Small Business Act, and for other purposes [PL 116-147]; Economic Aid to Hard-Hit Small Businesses, Nonprofits, and Venues Act (Economic Aid Act)/ Consolidated Appropriations Act, 2021 [PL 116-260]; H.R. 7352, PPP and Bank Fraud Enforcement Harmonization Act of 2022 (PL 117-166); S. 2690, Expanding Access to Affordable Credit for Small Businesses Act; (117th Congress); H.R. 6833, Making continuing appropriations for fiscal year 2023, and for other purposes (PL 117-180); S. 5102, Community Advantage Loan Program Permanency Act of 2022; H.R. 8254, Financial Services and General Government Appropriations Act, 2023; S. 4685, Financial Services and General Government Appropriations Act, 2023; H.R. 8294, Transportation, Housing and Urban Development, and Related Agencies Appropriations Act, 2023; H.R. 6833, Continuing Appropriations and Ukraine Supplemental Appropriations Act, 2023 [PL 117-180]; H.R. 1437, Further Continuing Appropriations and Extensions Act, 2023 [PL 117-229]; H.R. 4373, Further Additional Continuing Appropriations and Extensions Act, 2023 [PL117-264]; H.R. 2617, Consolidated Appropriations Act, 2023 [PL 117-328]; S. 673, Small Business Child Care Investment Act; H.R. ___, Small Business Child Care Investment Act; S. 5022, Childcare DESERTS Act (117th Congress)

Small Business Administration 7(a) loan program - program policy, appropriations and authorization level; Paycheck Protection Program - program policy, implementation, modification, second draw loans; American Rescue Plan Act of 2021 [PL 117-2]; PPP Extension Act of 2021 [PL 117-6]; CARES Act [PL 116-136]; PPP Flexibility Act of 2020 [PL 116-142]; A bill to extend the authority for commitments for the paycheck protection program and separate amounts authorized for other loans undersection7(a)of the Small Business Act, and for other purposes [PL 116-147]; Economic Aid to Hard-Hit Small Businesses, Nonprofits, and Venues Act (Economic Aid Act)/ Consolidated Appropriations Act, 2021 [PL 116-260]; H.R. 7352, PPP and Bank Fraud Enforcement Harmonization Act of 2022 (PL 117-166); S. 2690, Expanding Access to Affordable Credit for Small Businesses Act; (117th Congress); H.R. 6833, Making continuing appropriations for fiscal year 2023, and for other purposes (PL 117-180); S. 5102, Community Advantage Loan Program Permanency Act of 2022; H.R. 8254, Financial Services and General Government Appropriations Act, 2023; S. 4685, Financial Services and General Government Appropriations Act, 2023; H.R. 8294, Transportation, Housing and Urban Development, and Related Agencies Appropriations Act, 2023; H.R. 6833, Continuing Appropriations and Ukraine Supplemental Appropriations Act, 2023 [PL 117-180]; H.R. 1437, Further Continuing Appropriations and Extensions Act, 2023 [PL 117-229]; H.R. 4373, Further Additional Continuing Appropriations and Extensions Act, 2023 [PL117-264]; H.R. 2617, Consolidated Appropriations Act, 2023 [PL 117-328]; S. 673, Small Business Child Care Investment Act; H.R. ___, Small Business Child Care Investment Act; S. 5022, Childcare DESERTS Act (117th Congress)

Small Business Administration 7(a) loan program - program policy, appropriations and authorization level; Paycheck Protection Program - program policy, implementation, modification, second draw loans; American Rescue Plan Act of 2021 [PL 117-2]; PPP Extension Act of 2021 [PL 117-6]; CARES Act [PL 116-136]; PPP Flexibility Act of 2020 [PL 116-142]; A bill to extend the authority for commitments for the paycheck protection program and separate amounts authorized for other loans undersection7(a)of the Small Business Act, and for other purposes [PL 116-147]; Economic Aid to Hard-Hit Small Businesses, Nonprofits, and Venues Act (Economic Aid Act)/ Consolidated Appropriations Act, 2021 [PL 116-260]; H.R. 7352, PPP and Bank Fraud Enforcement Harmonization Act of 2022 (PL 117-166); S. 2690, Expanding Access to Affordable Credit for Small Businesses Act; (117th Congress); H.R. 6833, Making continuing appropriations for fiscal year 2023, and for other purposes (PL 117-180); S. 5102, Community Advantage Loan Program Permanency Act of 2022; H.R. 8254, Financial Services and General Government Appropriations Act, 2023; S. 4685, Financial Services and General Government Appropriations Act, 2023; H.R. 8294, Transportation, Housing and Urban Development, and Related Agencies Appropriations Act, 2023; H.R. 6833, Continuing Appropriations and Ukraine Supplemental Appropriations Act, 2023 [PL 117-180]; H.R. 1437, Further Continuing Appropriations and Extensions Act, 2023 [PL 117-229]; H.R. 4373, Further Additional Continuing Appropriations and Extensions Act, 2023 [PL117-264]; H.R. 2617, Consolidated Appropriations Act, 2023 [PL 117-328]; S. 673, Small Business Child Care Investment Act; H.R. ___, Small Business Child Care Investment Act; S. 5022, Childcare DESERTS Act (117th Congress)

3/8 Senate Banking Hearing: Examining Mandatory Arbitration in Financial Service Products H.R. 963 Forced Arbitration Injustice Repeal (FAIR) Act of 2022 3/31 House Financial Services Subcommittee on Consumer Protection and Financial Institutions Hearing- The End of Overdraft Fees? Examining the Movement to Eliminate the Fees Costing Consumers Billions House/Senate Hearing: Annual Oversight of the Nations Largest Banks S.4674 - Credit Card Competition Act of 2022 H.R.8874 - Credit Card Competition Act of 2022 Issues related to Zelle payment platform and changes to Regulation E House Financial Services Discussion Draft: Stable Coin Legislation Issues related to Biden Administration Student Loan Forgiveness Plan Issues related to changing UDAAP legislation Issues related to banning arbitration agreements H.R.7900 - National Defense Authorization Act for Fiscal Year 2023 H.R. 8152 - American Data Privacy and Protection Act H.R. ____ - Protecting Consumers From Payment Scams Act Issues related to Section 1034 of Dodd-Frank Act Issues related to CFPB Credit Card Late Fees and Late Payments H.R.7412 - Transparency in CFPB Cost-Benefit Analysis Act H.R.6802 - Preventing Racial Profiling in Lending Act H.R.6732 - Small LENDER Act H.R.7352 - PPP and Bank Fraud Enforcement Harmonization Act of 2022 Issues related to 7/29 Senate Banking Hearing - Extending the Military's 36% Interest Rate Cap to Everyone Draft Legislation - Access to No-Fee Accounts Act. Pub. Law 117-169 Build Back Better Act - Implementation of IRS Reporting Bank Account Information H.R.4277 - Overdraft Protection Act of 2021 Issues related to By Now/Pay Later Financial Products Issues related to SBA Direct 7(a) lending program H.R. 6037, To prohibit the Administrator of the Small Business Administration from directly making loans under the 7(a) loan program, and for other purposes. S. 3382, To prohibit the Administrator of the Small Business Administration from directly making loans under the 7(a) loan program. Issues related to transition from LIBOR Rate S. 3056, the Prohibiting IRS Financial Surveillance Act Issues related to FDIC Director appointment House/Senate Semi-annual Hearing with the Director of the CFPB Issues related to Cyber Security, Data Security & Breach Notification Issues related to Consumer Data Privacy Issues related to the Community Reinvestment Act Issues related to fair lending and fair banking Issues related to CFPB supervisory authority under Section 1024 Issues related to Dodd-Frank including Section 1033 Issues related to the Consumer Financial Protection Bureau H.R. 4773, the Consumer Financial Protection Commission Act Legislation related to establishing a commission at the CFPB Issues related to Interest Rate Caps on Banks Issues related to CFPB Consumer Response Portal Issues related to CFPB Taskforce on Consumer Financial Laws CFPB Section 1071 rulemaking Issues related to Underbanked/Unbanked Consumers Issues related to CFPB agency guidance Issues related to bank fees, including overdraft fees and credit card late fees. Issues related to COVID-19 pandemic H.R. 4120, To amend the Fair Credit Reporting Act to provide comprehensive reforms to the consumer credit reporting laws, and for other purposes H.R. 4277, To amend the Truth in Lending Act to establish fair and transparent practices related to the marketing and provision of overdraft coverage programs at financial institutions, and for other purposes Issues related to credit card network interchange fees. Issues related to U.S. Postal Service banking services. Issues related to the Federal Reserve Central Digital Bank Currency Issues related to the Federal Reserve Consumer checking accounts H.R. 4616, the Adjustable Interest Rate (LIBOR) Act of 2021 Issues related to the reauthorization of the Higher Education Act Issues related to the CFPBs and Department of Educations actions on student lending Issues related to disclosures for federal student loans Legislation related to student loan refinancing programs Issues related to bankruptcy protections for student loans Issues related to federal student loan reform H.R. 2498, Private Loan Disability Discharge Act of 2021 Issues related to AML-BSA Reform Issues related to FinCEN CDD Rule Issues related to Appropriations H.R. 4345, Financial Services and General Government Appropriations Act, 2022 H.R. 4350/S. 2792, National Defense Authorization Act for Fiscal Year 2022 S. Con. Res. 14, A concurrent resolution setting forth the congressional budget for the United States Government for fiscal year 2022 and setting forth the appropriate budgetary levels for fiscal years 2023 through 2031 Issues related to the Fair Credit Reporting Act H.R. 3642 (116th Cong.), Improving Credit Reporting for All Consumers Act H.R. 953 (116th Cong.), To prohibit consumer reporting agencies from including adverse information in certain consumer reports, and from making adverse determinations relating to security clearances, with respect to certain individuals affected by the Government shutdown, and for other purposes. H.R. 1500 (116th Cong.), Consumers First Act Issues related to the Comprehensive Consumer Credit Reporting Reform Act of 2019 H.R. 4120, Comprehensive Credit Reporting Enhancement, Disclosure, Innovation, and Transparency Act of 2021 Draft Legislation - Protecting Your Credit Score Act of 2021 Issues related to the Community Reinvestment Act Issues related to financial regulatory coordination Issues related to SBA 7(a) Loan Program and fees H.R. 5050 (116th Cong.), the Veterans and Consumers Fair Credit Act Issues related to the Fair Housing Act Issues related to FinTech Issues related to the E-SIGN Act Issues related to the Bank Secrecy Act and Anti-Money Laundering Issues related to the Counter Terrorism & Illicit Finance Act S. 2563 (116th Cong.), the Improving Laundering Laws and Increasing Comprehensive Information Tracking of Criminal Activity in Shell Holdings Act Issues related to Parent Companies of Industrial Banks and Industrial Loan Companies Regulations: Equal Credit Opportunity issues, Regulation B, 12 CFR Part 1002 Home Mortgage Disclosure Act Issues, Regulation C, 12 CFR Part 1003 Fair Debt Collection Practices Issues, Regulation F, 12 CFR Part 1006 Privacy Issues, 12 CFR Parts 40, 216, 332, 1016 Fair Credit Reporting Issues, 12 CFR Parts 41, 171, 334, 1022 Truth in Lending Issues, Regulation Z, 12 CFR Part 1026 Regulations related to the Dodd-Frank Act, Pub. L. No. 111-203 Issues related to the Higher Education Act Issues related to Electronic Fund Transfer Act, regulation E, 15 U.S.C. 1693 Issues related to FDIC Deposit Insurance Issues related to the Paperwork Reduction Act Issues related to the Military Lending Act Community Reinvestment Act Regulations & Q&A issues Issues related to the Servicemembers Civil Relief Act Issues related to Small Business Act Issues related to the Bank Secrecy Act and Anti-Money Laundering rules Issues related to Section 1033 of Dodd-Frank Issues related to Overdraft and non-sufficient funds (NSF) fees Issues related to Fintech oversight Issues related to Buy Now Pay Later Issues related to CFPB Credit Card Safe Harbor fee Issues related to Section 1071 Small Business Data Collection Issues related to UDAAP exam manual changes

Small Business Administration 7(a) loan program - program policy, appropriations and authorization level; Paycheck Protection Program - program policy, implementation. modification, second draw loans; American Rescue Plan Act of 2021 [PL 117-2]; PPP Extension Act of 2021 [PL 117-6]; CARES Act [PL 116-136]; PPP Flexibility Act of 2020 [PL 116-142]; A bill to extend the authority for commitments for the paycheck protection program and separate amounts authorized for other loans undersection7(a) of the Small Business Act, and for other purposes [PL 116-147]; Economic Aid to Hard-Hit Small Businesses, Nonprofits, and Venues Act (Economic Aid Act)/ Consolidated Appropriations Act, 2021 [PL 116-260]; Small Business Child Care Investment Act; H.R. 7352, PPP and Bank Fraud Enforcement Harmonization Act of 2022 (PL 117-166); S. 2690, Expanding Access to Affordable Credit for Small Businesses Act; H.R. 6833, Making continuing appropriations for fiscal year 2023, and for other purposes (PL 117-180); S. 5022, Childcare DESERTS Act; S. 5102, Community Advantage Loan Program Permanency Act of 2022; H.R. 8254, Financial Services and General Government Appropriations Act, 2023; S. 4685, Financial Services and General Government Appropriations Act, 2023; H.R. 8294, Transportation, Housing and Urban Development, and Related Agencies Appropriations Act, 2023; H.R. 6833, Continuing Appropriations and Ukraine Supplemental Appropriations Act, 2023 [PL 117-180]; H.R. 1437, Further Continuing Appropriations and Extensions Act, 2023 [PL 117-229]; H.R. 4373, Further Additional Continuing Appropriations and Extensions Act, 2023 [PL117-264]; H.R. 2617, Consolidated Appropriations Act, 2023 [PL 117-328]

Client expense: $420,000 · Firm income: Not reported

Small Business Administration 7(a) loan program - program policy, appropriations and authorization level; Paycheck Protection Program - program policy, implementation. modification, second draw loans; American Rescue Plan Act of 2021 [PL 117-2]; PPP Extension Act of 2021 [PL 117-6]; CARES Act [PL 116-136]; PPP Flexibility Act of 2020 [PL 116-142]; A bill to extend the authority for commitments for the paycheck protection program and separate amounts authorized for other loans undersection7(a) of the Small Business Act, and for other purposes [PL 116-147]; Economic Aid to Hard-Hit Small Businesses, Nonprofits, and Venues Act (Economic Aid Act)/ Consolidated Appropriations Act, 2021 [PL 116-260]; Small Business Child Care Investment Act; H.R. 7352, PPP and Bank Fraud Enforcement Harmonization Act of 2022 (PL 117-166); S. 2690, Expanding Access to Affordable Credit for Small Businesses Act; H.R. 6833, Making continuing appropriations for fiscal year 2023, and for other purposes (PL 117-180); S. 5022, Childcare DESERTS Act; S. 5102, Community Advantage Loan Program Permanency Act of 2022; H.R. 8254, Financial Services and General Government Appropriations Act, 2023; S. 4685, Financial Services and General Government Appropriations Act, 2023; H.R. 8294, Transportation, Housing and Urban Development, and Related Agencies Appropriations Act, 2023; H.R. 6833, Continuing Appropriations and Ukraine Supplemental Appropriations Act, 2023 [PL 117-180]; H.R. 1437, Further Continuing Appropriations and Extensions Act, 2023 [PL 117-229]; H.R. 4373, Further Additional Continuing Appropriations and Extensions Act, 2023 [PL117-264]; H.R. 2617, Consolidated Appropriations Act, 2023 [PL 117-328]

Client expense: $420,000 · Firm income: Not reported

Small Business Administration 7(a) loan program - program policy, appropriations and authorization level; Paycheck Protection Program - program policy, implementation. modification, second draw loans; American Rescue Plan Act of 2021 [PL 117-2]; PPP Extension Act of 2021 [PL 117-6]; CARES Act [PL 116-136]; PPP Flexibility Act of 2020 [PL 116-142]; A bill to extend the authority for commitments for the paycheck protection program and separate amounts authorized for other loans undersection7(a) of the Small Business Act, and for other purposes [PL 116-147]; Economic Aid to Hard-Hit Small Businesses, Nonprofits, and Venues Act (Economic Aid Act)/ Consolidated Appropriations Act, 2021 [PL 116-260]; Small Business Child Care Investment Act; H.R. 7352, PPP and Bank Fraud Enforcement Harmonization Act of 2022 (PL 117-166); S. 2690, Expanding Access to Affordable Credit for Small Businesses Act; H.R. 6833, Making continuing appropriations for fiscal year 2023, and for other purposes (PL 117-180); S. 5022, Childcare DESERTS Act; S. 5102, Community Advantage Loan Program Permanency Act of 2022; H.R. 8254, Financial Services and General Government Appropriations Act, 2023; S. 4685, Financial Services and General Government Appropriations Act, 2023; H.R. 8294, Transportation, Housing and Urban Development, and Related Agencies Appropriations Act, 2023; H.R. 6833, Continuing Appropriations and Ukraine Supplemental Appropriations Act, 2023 [PL 117-180]; H.R. 1437, Further Continuing Appropriations and Extensions Act, 2023 [PL 117-229]; H.R. 4373, Further Additional Continuing Appropriations and Extensions Act, 2023 [PL117-264]; H.R. 2617, Consolidated Appropriations Act, 2023 [PL 117-328]

Client expense: $420,000 · Firm income: Not reported

3/8 Senate Banking Hearing: Examining Mandatory Arbitration in Financial Service Products H.R. 963 Forced Arbitration Injustice Repeal (FAIR) Act of 2022 3/31 House Financial Services Subcommittee on Consumer Protection and Financial Institutions Hearing- The End of Overdraft Fees? Examining the Movement to Eliminate the Fees Costing Consumers Billions House/Senate Hearing: Annual Oversight of the Nations Largest Banks S.4674 - Credit Card Competition Act of 2022 H.R.8874 - Credit Card Competition Act of 2022 Issues related to Zelle payment platform and changes to Regulation E House Financial Services Discussion Draft: Stable Coin Legislation Issues related to Biden Administration Student Loan Forgiveness Plan Issues related to changing UDAAP legislation Issues related to banning arbitration agreements H.R.7900 - National Defense Authorization Act for Fiscal Year 2023 H.R. 8152 - American Data Privacy and Protection Act H.R. ____ - Protecting Consumers From Payment Scams Act Issues related to Section 1034 of Dodd-Frank Act Issues related to CFPB Credit Card Late Fees and Late Payments H.R.7412 - Transparency in CFPB Cost-Benefit Analysis Act H.R.6802 - Preventing Racial Profiling in Lending Act H.R.6732 - Small LENDER Act H.R.7352 - PPP and Bank Fraud Enforcement Harmonization Act of 2022 Issues related to 7/29 Senate Banking Hearing - Extending the Military's 36% Interest Rate Cap to Everyone Draft Legislation - Access to No-Fee Accounts Act. Pub. Law 117-169 Build Back Better Act - Implementation of IRS Reporting Bank Account Information H.R.4277 - Overdraft Protection Act of 2021 Issues related to By Now/Pay Later Financial Products Issues related to SBA Direct 7(a) lending program H.R. 6037, To prohibit the Administrator of the Small Business Administration from directly making loans under the 7(a) loan program, and for other purposes. S. 3382, To prohibit the Administrator of the Small Business Administration from directly making loans under the 7(a) loan program. Issues related to transition from LIBOR Rate S. 3056, the Prohibiting IRS Financial Surveillance Act Issues related to FDIC Director appointment House/Senate Semi-annual Hearing with the Director of the CFPB Issues related to Cyber Security, Data Security & Breach Notification Issues related to Consumer Data Privacy Issues related to the Community Reinvestment Act Issues related to fair lending and fair banking Issues related to CFPB supervisory authority under Section 1024 Issues related to Dodd-Frank including Section 1033 Issues related to the Consumer Financial Protection Bureau H.R. 4773, the Consumer Financial Protection Commission Act Legislation related to establishing a commission at the CFPB Issues related to Interest Rate Caps on Banks Issues related to CFPB Consumer Response Portal Issues related to CFPB Taskforce on Consumer Financial Laws CFPB Section 1071 rulemaking Issues related to Underbanked/Unbanked Consumers Issues related to CFPB agency guidance Issues related to bank fees, including overdraft fees and credit card late fees. Issues related to COVID-19 pandemic H.R. 4120, To amend the Fair Credit Reporting Act to provide comprehensive reforms to the consumer credit reporting laws, and for other purposes H.R. 4277, To amend the Truth in Lending Act to establish fair and transparent practices related to the marketing and provision of overdraft coverage programs at financial institutions, and for other purposes Issues related to credit card network interchange fees. Issues related to U.S. Postal Service banking services. Issues related to the Federal Reserve Central Digital Bank Currency Issues related to the Federal Reserve Consumer checking accounts H.R. 4616, the Adjustable Interest Rate (LIBOR) Act of 2021 Issues related to the reauthorization of the Higher Education Act Issues related to the CFPBs and Department of Educations actions on student lending Issues related to disclosures for federal student loans Legislation related to student loan refinancing programs Issues related to bankruptcy protections for student loans Issues related to federal student loan reform H.R. 2498, Private Loan Disability Discharge Act of 2021 Issues related to AML-BSA Reform Issues related to FinCEN CDD Rule Issues related to Appropriations H.R. 4345, Financial Services and General Government Appropriations Act, 2022 H.R. 4350/S. 2792, National Defense Authorization Act for Fiscal Year 2022 S. Con. Res. 14, A concurrent resolution setting forth the congressional budget for the United States Government for fiscal year 2022 and setting forth the appropriate budgetary levels for fiscal years 2023 through 2031 Issues related to the Fair Credit Reporting Act H.R. 3642 (116th Cong.), Improving Credit Reporting for All Consumers Act H.R. 953 (116th Cong.), To prohibit consumer reporting agencies from including adverse information in certain consumer reports, and from making adverse determinations relating to security clearances, with respect to certain individuals affected by the Government shutdown, and for other purposes. H.R. 1500 (116th Cong.), Consumers First Act Issues related to the Comprehensive Consumer Credit Reporting Reform Act of 2019 H.R. 4120, Comprehensive Credit Reporting Enhancement, Disclosure, Innovation, and Transparency Act of 2021 Draft Legislation - Protecting Your Credit Score Act of 2021 Issues related to the Community Reinvestment Act Issues related to financial regulatory coordination Issues related to SBA 7(a) Loan Program and fees H.R. 5050 (116th Cong.), the Veterans and Consumers Fair Credit Act Issues related to the Fair Housing Act Issues related to FinTech Issues related to the E-SIGN Act Issues related to the Bank Secrecy Act and Anti-Money Laundering Issues related to the Counter Terrorism & Illicit Finance Act S. 2563 (116th Cong.), the Improving Laundering Laws and Increasing Comprehensive Information Tracking of Criminal Activity in Shell Holdings Act Issues related to Parent Companies of Industrial Banks and Industrial Loan Companies Regulations: Equal Credit Opportunity issues, Regulation B, 12 CFR Part 1002 Home Mortgage Disclosure Act Issues, Regulation C, 12 CFR Part 1003 Fair Debt Collection Practices Issues, Regulation F, 12 CFR Part 1006 Privacy Issues, 12 CFR Parts 40, 216, 332, 1016 Fair Credit Reporting Issues, 12 CFR Parts 41, 171, 334, 1022 Truth in Lending Issues, Regulation Z, 12 CFR Part 1026 Regulations related to the Dodd-Frank Act, Pub. L. No. 111-203 Issues related to the Higher Education Act Issues related to Electronic Fund Transfer Act, regulation E, 15 U.S.C. 1693 Issues related to FDIC Deposit Insurance Issues related to the Paperwork Reduction Act Issues related to the Military Lending Act Community Reinvestment Act Regulations & Q&A issues Issues related to the Servicemembers Civil Relief Act Issues related to Small Business Act Issues related to the Bank Secrecy Act and Anti-Money Laundering rules Issues related to Section 1033 of Dodd-Frank Issues related to Overdraft and non-sufficient funds (NSF) fees Issues related to Fintech oversight Issues related to Buy Now Pay Later Issues related to CFPB Credit Card Safe Harbor fee Issues related to Section 1071 Small Business Data Collection Issues related to UDAAP exam manual changes

3/8 Senate Banking Hearing: Examining Mandatory Arbitration in Financial Service Products H.R. 963 Forced Arbitration Injustice Repeal (FAIR) Act of 2022 3/31 House Financial Services Subcommittee on Consumer Protection and Financial Institutions Hearing- The End of Overdraft Fees? Examining the Movement to Eliminate the Fees Costing Consumers Billions House/Senate Hearing: Annual Oversight of the Nations Largest Banks S.4674 - Credit Card Competition Act of 2022 H.R.8874 - Credit Card Competition Act of 2022 Issues related to Zelle payment platform and changes to Regulation E House Financial Services Discussion Draft: Stable Coin Legislation Issues related to Biden Administration Student Loan Forgiveness Plan Issues related to changing UDAAP legislation Issues related to banning arbitration agreements H.R.7900 - National Defense Authorization Act for Fiscal Year 2023 H.R. 8152 - American Data Privacy and Protection Act H.R. ____ - Protecting Consumers From Payment Scams Act Issues related to Section 1034 of Dodd-Frank Act Issues related to CFPB Credit Card Late Fees and Late Payments H.R.7412 - Transparency in CFPB Cost-Benefit Analysis Act H.R.6802 - Preventing Racial Profiling in Lending Act H.R.6732 - Small LENDER Act H.R.7352 - PPP and Bank Fraud Enforcement Harmonization Act of 2022 Issues related to 7/29 Senate Banking Hearing - Extending the Military's 36% Interest Rate Cap to Everyone Draft Legislation - Access to No-Fee Accounts Act. H.R. 5376 Build Back Better Act - IRS Reporting Bank Account information H.R.4277 - Overdraft Protection Act of 2021 Issues related to By Now/Pay Later Financial Products Issues related to SBA Direct 7(a) lending program H.R. 6037, To prohibit the Administrator of the Small Business Administration from directly making loans under the 7(a) loan program, and for other purposes. S. 3382, To prohibit the Administrator of the Small Business Administration from directly making loans under the 7(a) loan program. Issues related to transition from LIBOR Rate S. 3056, the Prohibiting IRS Financial Surveillance Act Issues related to FDIC Director appointment House/Senate Semi-annual Hearing with the Director of the CFPB Issues related to Cyber Security, Data Security & Breach Notification Issues related to Consumer Data Privacy Issues related to the Community Reinvestment Act Issues related to fair lending and fair banking Issues related to CFPB supervisory authority under Section 1024 Issues related to Dodd-Frank including Section 1033 Issues related to the Consumer Financial Protection Bureau H.R. 4773, the Consumer Financial Protection Commission Act Legislation related to establishing a commission at the CFPB Issues related to Interest Rate Caps on Banks Issues related to CFPB Consumer Response Portal Issues related to CFPB Taskforce on Consumer Financial Laws CFPB Section 1071 rulemaking Issues related to Underbanked/Unbanked Consumers Issues related to CFPB agency guidance Issues related to bank fees, including overdraft fees and credit card late fees. Issues related to COVID-19 pandemic H.R. 4120, To amend the Fair Credit Reporting Act to provide comprehensive reforms to the consumer credit reporting laws, and for other purposes H.R. 4277, To amend the Truth in Lending Act to establish fair and transparent practices related to the marketing and provision of overdraft coverage programs at financial institutions, and for other purposes Issues related to credit card network interchange fees. Issues related to U.S. Postal Service banking services. Issues related to the Federal Reserve Central Digital Bank Currency Issues related to the Federal Reserve Consumer checking accounts Issues related to the SBAs paycheck protection program Issues related to Pub. Law 116-136, Coronavirus Aid, Relief, and Economic Security Act Issues related to the Paycheck Protection Program H.R. 4616, the Adjustable Interest Rate (LIBOR) Act of 2021 Issues related to the reauthorization of the Higher Education Act Issues related to the CFPBs and Department of Educations actions on student lending Issues related to disclosures for federal student loans Legislation related to student loan refinancing programs Issues related to bankruptcy protections for student loans Issues related to federal student loan reform H.R. 2498, Private Loan Disability Discharge Act of 2021 Issues related to AML-BSA Reform Issues related to FinCEN CDD Rule Issues related to Appropriations H.R. 4345, Financial Services and General Government Appropriations Act, 2022 H.R. 4350/S. 2792, National Defense Authorization Act for Fiscal Year 2022 S. Con. Res. 144616, A concurrent resolution setting forth the congressional budget for the United States Government for fiscal year 2022 and setting forth the appropriate budgetary levels for fiscal years 2023 through 2031 Issues related to the Fair Credit Reporting Act H.R. 3642 (116th Cong.), Improving Credit Reporting for All Consumers Act H.R. 953 (116th Cong.), To prohibit consumer reporting agencies from including adverse information in certain consumer reports, and from making adverse determinations relating to security clearances, with respect to certain individuals affected by the Government shutdown, and for other purposes. H.R. 1500 (116th Cong.), Consumers First Act Issues related to the Comprehensive Consumer Credit Reporting Reform Act of 2019 H.R. 4120, Comprehensive Credit Reporting Enhancement, Disclosure, Innovation, and Transparency Act of 2021 Draft Legislation - Protecting Your Credit Score Act of 2021 Issues related to the Community Reinvestment Act Issues related to financial regulatory coordination Issues related to SBA 7(a) Loan Program and fees H.R. 5050 (116th Cong.), the Veterans and Consumers Fair Credit Act Issues related to the Fair Housing Act Issues related to FinTech Issues related to the E-SIGN Act Issues related to the Bank Secrecy Act and Anti-Money Laundering Issues related to the Counter Terrorism & Illicit Finance Act S. 2563 (116th Cong.), the Improving Laundering Laws and Increasing Comprehensive Information Tracking of Criminal Activity in Shell Holdings Act Issues related to Parent Companies of Industrial Banks and Industrial Loan Companies Regulations: Equal Credit Opportunity issues, Regulation B, 12 CFR Part 1002 Home Mortgage Disclosure Act Issues, Regulation C, 12 CFR Part 1003 Fair Debt Collection Practices Issues, Regulation F, 12 CFR Part 1006 Privacy Issues, 12 CFR Parts 40, 216, 332, 1016 Fair Credit Reporting Issues, 12 CFR Parts 41, 171, 334, 1022 Truth in Lending Issues, Regulation Z, 12 CFR Part 1026 Regulations related to the Dodd-Frank Act, Pub. L. No. 111-203 Issues related to the Higher Education Act Issues related to Electronic Fund Transfer Act, regulation E, 15 U.S.C. 1693 Issues related to FDIC Deposit Insurance Issues related to the Paperwork Reduction Act Issues related to the Military Lending Act Community Reinvestment Act Regulations & Q&A issues Issues related to the Servicemembers Civil Relief Act Issues related to Small Business Act Issues related to the Bank Secrecy Act and Anti-Money Laundering rules Issues related to Section 1033 of Dodd-Frank Issues related to Overdraft and non-sufficient funds (NSF) fees Issues related to Fintech oversight Issues related to Buy Now Pay Later Issues related to CFPB Credit Card Safe Harbor fee Issues related to Section 1071 Small Business Data Collection Issues related to UDAAP exam manual changes

Small Business Administration 7(a) loan program - program policy, appropriations and authorization level; Paycheck Protection Program - program policy, implementation. modification, second draw loans; American Rescue Plan Act of 2021 [PL 117-2]; PPP Extension Act of 2021 [PL 117-6]; CARES Act [PL 116-136]; PPP Flexibility Act of 2020 [PL 116-142]; A bill to extend the authority for commitments for the paycheck protection program and separate amounts authorized for other loans under section7(a) of the Small Business Act, and for other purposes [PL 116-147]; Economic Aid to Hard-Hit Small Businesses, Nonprofits, and Venues Act (Economic Aid Act)/ Consolidated Appropriations Act, 2021 [PL 116-260]; Small Business Child Care Investment Act; Financial Services and General Government Appropriations Bill, 2022; H.R. 7352, PPP and Bank Fraud Enforcement Harmonization Act of 2022 (PL 117-166); S. 2690, Expanding Access to Affordable Credit for Small Businesses Act; H.R. 6833, Making continuing appropriations for fiscal year 2023, and for other purposes (PL 117-180); H.R. 3617, Marijuana Opportunity Reinvestment and Expungement Act; H.R. 1996, SAFE Banking Act of 2021

Client expense: $120,000 · Firm income: Not reported

Small Business Administration 7(a) loan program - program policy, appropriations and authorization level; Paycheck Protection Program - program policy, implementation. modification, second draw loans; American Rescue Plan Act of 2021 [PL 117-2]; PPP Extension Act of 2021 [PL 117-6]; CARES Act [PL 116-136]; PPP Flexibility Act of 2020 [PL 116-142]; A bill to extend the authority for commitments for the paycheck protection program and separate amounts authorized for other loans under section7(a) of the Small Business Act, and for other purposes [PL 116-147]; Economic Aid to Hard-Hit Small Businesses, Nonprofits, and Venues Act (Economic Aid Act)/ Consolidated Appropriations Act, 2021 [PL 116-260]; Small Business Child Care Investment Act; Financial Services and General Government Appropriations Bill, 2022; H.R. 7352, PPP and Bank Fraud Enforcement Harmonization Act of 2022 (PL 117-166); S. 2690, Expanding Access to Affordable Credit for Small Businesses Act; H.R. 6833, Making continuing appropriations for fiscal year 2023, and for other purposes (PL 117-180); H.R. 3617, Marijuana Opportunity Reinvestment and Expungement Act; H.R. 1996, SAFE Banking Act of 2021

Client expense: $120,000 · Firm income: Not reported

Small Business Administration 7(a) loan program - program policy, appropriations and authorization level; Paycheck Protection Program - program policy, implementation. modification, second draw loans; American Rescue Plan Act of 2021 [PL 117-2]; PPP Extension Act of 2021 [PL 117-6]; CARES Act [PL 116-136]; PPP Flexibility Act of 2020 [PL 116-142]; A bill to extend the authority for commitments for the paycheck protection program and separate amounts authorized for other loans under section7(a) of the Small Business Act, and for other purposes [PL 116-147]; Economic Aid to Hard-Hit Small Businesses, Nonprofits, and Venues Act (Economic Aid Act)/ Consolidated Appropriations Act, 2021 [PL 116-260]; Small Business Child Care Investment Act; Financial Services and General Government Appropriations Bill, 2022; H.R. 7352, PPP and Bank Fraud Enforcement Harmonization Act of 2022 (PL 117-166); S. 2690, Expanding Access to Affordable Credit for Small Businesses Act; H.R. 6833, Making continuing appropriations for fiscal year 2023, and for other purposes (PL 117-180); H.R. 3617, Marijuana Opportunity Reinvestment and Expungement Act; H.R. 1996, SAFE Banking Act of 2021

Client expense: $120,000 · Firm income: Not reported

3/8 Senate Banking Hearing: Examining Mandatory Arbitration in Financial Service Products H.R. 963 Forced Arbitration Injustice Repeal (FAIR) Act of 2022 3/31 House Financial Services Subcommittee on Consumer Protection and Financial Institutions Hearing- The End of Overdraft Fees? Examining the Movement to Eliminate the Fees Costing Consumers Billions H.R. 8152 - American Data Privacy and Protection Act H.R. ____ - Protecting Consumers From Payment Scams Act Issues related to Section 1034 of Dodd-Frank Act Issues related to CFPB Credit Card Late Fees and Late Payments H.R.7412 - Transparency in CFPB Cost-Benefit Analysis Act H.R.6802 - Preventing Racial Profiling in Lending Act H.R.6732 - Small LENDER Act H.R.7352 - PPP and Bank Fraud Enforcement Harmonization Act of 2022 Issues related to 7/29 Senate Banking Hearing - Extending the Military's 36% Interest Rate Cap to Everyone Draft Legislation - Access to No-Fee Accounts Act. H.R. 5376 Build Back Better Act - IRS Reporting Bank Account information H.R.4277 - Overdraft Protection Act of 2021 Issues related to By Now/Pay Later Financial Products Issues related to SBA Direct 7(a) lending program H.R. 6037, To prohibit the Administrator of the Small Business Administration from directly making loans under the 7(a) loan program, and for other purposes. S. 3382, To prohibit the Administrator of the Small Business Administration from directly making loans under the 7(a) loan program. Issues related to transition from LIBOR Rate S. 3056, the Prohibiting IRS Financial Surveillance Act Issues related to FDIC Director appointment House/Senate Semi-annual Hearing with the Director of the CFPB Issues related to Cyber Security, Data Security & Breach Notification Issues related to Consumer Data Privacy Issues related to the Community Reinvestment Act Issues related to fair lending and fair banking Issues related to CFPB supervisory authority under Section 1024 Issues related to Dodd-Frank including Section 1033 Issues related to the Consumer Financial Protection Bureau H.R. 4773, the Consumer Financial Protection Commission Act Legislation related to establishing a commission at the CFPB Issues related to Interest Rate Caps on Banks Issues related to CFPB Consumer Response Portal Issues related to CFPB Taskforce on Consumer Financial Laws CFPB Section 1071 rulemaking Issues related to Underbanked/Unbanked Consumers Issues related to CFPB agency guidance Issues related to bank fees, including overdraft fees and credit card late fees. Issues related to COVID-19 pandemic H.R. 4120, To amend the Fair Credit Reporting Act to provide comprehensive reforms to the consumer credit reporting laws, and for other purposes H.R. 4277, To amend the Truth in Lending Act to establish fair and transparent practices related to the marketing and provision of overdraft coverage programs at financial institutions, and for other purposes Issues related to credit card network interchange fees. Issues related to U.S. Postal Service banking services. Issues related to the Federal Reserve Central Digital Bank Currency Issues related to the Federal Reserve Consumer checking accounts Issues related to the SBAs paycheck protection program Issues related to Pub. Law 116-136, Coronavirus Aid, Relief, and Economic Security Act H.R. 6800 (116th Cong.), Health and Economic Recovery Omnibus Emergency Solutions H.R. 7010 (116th Cong.), Paycheck Protection Program Flexibility Act of 2020 S. 4117 (116th Cong.), Paycheck Protection Program Small Business Forgiveness Act H.R. 7777 (116th Cong.), Paycheck Protection Small Business Forgiveness Act H.R. 266 (116th Cong.), Paycheck Protection Program and Health Care Enhancement Act H.R. 8406 (116th Cong.), The Heroes Act H.R. 8265 (116th Cong.), To amend the Small Business Act and the CARES Act to establish a program for second draw loans and make other modifications to the paycheck protection program, and for other purposes. S. 4321 (116th Cong.), Continuing Small Business Recovery and Paycheck Protection Program Act H.R. 1319, American Rescue Plan Act of 2021 COVID-19 relief related amendments to S. 178 (116th Cong.) Issues related to the Paycheck Protection Program H.R. 133, Coronavirus Response and Relief Supplemental Appropriations Act H.R. 6332 (116th Cong.), Relief for Consumers During COVID-19 Act of 2020 H.R. 6370, the Disaster Protection for Workers' Credit Act (116th Congress) H.R. 6316, the Emergency Relief for Student Borrowers Act of 2020 (116th Congress) H.R. 1657, Ending Debt Collection Harassment Act of 2021 H.J. Res. _____, Resolution of Disapproval on the OCCs National Banks and Federal Savings Associations as Lenders Final Rule. H.R. 4616, the Adjustable Interest Rate (LIBOR) Act of 2021 Issues related to the reauthorization of the Higher Education Act Issues related to the CFPBs and Department of Educations actions on student lending Issues related to disclosures for federal student loans Legislation related to student loan refinancing programs Issues related to bankruptcy protections for student loans Issues related to federal student loan reform H.R. 1161 & S. 2015 (116th Cong.), The Student Loan Disclosure Modernization Act H.R. 811 & S. 234 (116th Cong.), Transparency in Student Lending Act H.R. 3621 (116th Cong.), Student Borrower Credit Improvement Act H.R. 3622 (116th Cong.), Restoring Unfairly Impaired Credit and Protecting Consumers Act H.R. 2674 (116th Cong.), the College Affordability Act H.R. 5294 (116th Cong.), Student Borrower Protection Act of 2019 H.R. 2648 (116th Cong.), Student Borrower Bankruptcy Relief Act of 2019 H.R. 2498, Private Loan Disability Discharge Act of 2021 Issues related to AML-BSA Reform Issues related to FinCEN CDD Rule Issues related to Appropriations H.R. 4345, Financial Services and General Government Appropriations Act, 2022 H.R. 4350/S. 2792, National Defense Authorization Act for Fiscal Year 2022 S. Con. Res. 144616, A concurrent resolution setting forth the congressional budget for the United States Government for fiscal year 2022 and setting forth the appropriate budgetary levels for fiscal years 2023 through 2031 Issues related to the Fair Credit Reporting Act H.R. 3642 (116th Cong.), Improving Credit Reporting for All Consumers Act H.R. 953 (116th Cong.), To prohibit consumer reporting agencies from including adverse information in certain consumer reports, and from making adverse determinations relating to security clearances, with respect to certain individuals affected by the Government shutdown, and for other purposes. H.R. 1500 (116th Cong.), Consumers First Act Issues related to the Comprehensive Consumer Credit Reporting Reform Act of 2019 H.R. 4120, Comprehensive Credit Reporting Enhancement, Disclosure, Innovation, and Transparency Act of 2021 Draft Legislation - Protecting Your Credit Score Act of 2021 Issues related to the Community Reinvestment Act Issues related to the OCC, Federal Reserve, and FDIC modernization of the Community Reinvestment Act Issues related to financial regulatory coordination Issues related to SBA 7(a) Loan Program and fees H.R. 3614 (116th Cong.), Restricting Credit Checks for Employment Decisions Act H.R. 3618 (116th Cong.), Free Credit Scores for Consumer Act of 2019 H.R. 5050 (116th Cong.), the Veterans and Consumers Fair Credit Act Issues related to the Fair Housing Act Issues related to FinTech Issues related to the E-SIGN Act S. 4159 (116th Cong.), E-SIGN Modernization Act of 2020 Issues related to the Bank Secrecy Act and Anti-Money Laundering Issues related to the Counter Terrorism & Illicit Finance Act H.R. 2513 (116th Cong.), the Corporate Transparency Act of 2019 H.R. 2514 (116th Cong.), the Coordinating Oversight, Upgrading and Innovating Technology, and Examiner Reform Act of 2019 S. 2563 (116th Cong.), the Improving Laundering Laws and Increasing Comprehensive Information Tracking of Criminal Activity in Shell Holdings Act Issues related to Parent Companies of Industrial Banks and Industrial Loan Companies Regulations: Equal Credit Opportunity issues, Regulation B, 12 CFR Part 1002 Home Mortgage Disclosure Act Issues, Regulation C, 12 CFR Part 1003 Fair Debt Collection Practices Issues, Regulation F, 12 CFR Part 1006 Privacy Issues, 12 CFR Parts 40, 216, 332, 1016 Fair Credit Reporting Issues, 12 CFR Parts 41, 171, 334, 1022 Truth in Lending Issues, Regulation Z, 12 CFR Part 1026 Regulations related to the Dodd-Frank Act, Pub. L. No. 111-203 Issues related to the Higher Education Act Issues related to Electronic Fund Transfer Act, regulation E, 15 U.S.C. 1693 Issues related to FDIC Deposit Insurance Issues related to the Paperwork Reduction Act Issues related to the Military Lending Act Community Reinvestment Act Regulations & Q&A issues Issues related to the Servicemembers Civil Relief Act Issues related to Small Business Act Issues related to the Bank Secrecy Act and Anti-Money Laundering rules Issues related to Section 1033 of Dodd-Frank Issues related to Overdraft and non-sufficient funds (NSF) fees Issues related to Overdraft Issues related to Fintech oversight Issues related to Buy Now Pay Later Issues related to CFPB Credit Card Safe Harbor fee Issues related to Section 1071 Small Business Data Collection Issues related to UDAAP exam manual changes

3/8 Senate Banking Hearing: Examining Mandatory Arbitration in Financial Service Products H.R. 963 Forced Arbitration Injustice Repeal (FAIR) Act of 2022 3/31 House Financial Services Subcommittee on Consumer Protection and Financial Institutions Hearing- The End of Overdraft Fees? Examining the Movement to Eliminate the Fees Costing Consumers Billions H.R. 7352 PPP and Bank Fraud Enforcement Harmonization Act of 2022 7/29 Senate Banking Hearing - Extending the Military's 36% Interest Rate Cap to Everyone Draft Legislation - Access to No-Fee Accounts Act. H.R. 5376 Build Back Better Act - IRS Reporting Bank Account information H.R.4277 - Overdraft Protection Act of 2021 Issues related to By Now/Pay Later Financial Products Issues related to SBA Direct 7(a) lending program H.R. 6037, To prohibit the Administrator of the Small Business Administration from directly making loans under the 7(a) loan program, and for other purposes. S. 3382, To prohibit the Administrator of the Small Business Administration from directly making loans under the 7(a) loan program. Issues related to the transition from LIBOR Rate S. 3056, the Prohibiting IRS Financial Surveillance Act House/Senate Semi-annual Hearing with the Director of the CFPB Issues related to Cyber Security, Data Security & Breach Notification Issues related to Consumer Data Privacy Issues related to the Community Reinvestment Act Issues related to HUD disparate-impact rule Issues related to Government National Mortgage Association requirements for mortgage-backed securities issuers Issues related to third-party risk management Issues related to the use of artificial intelligence Issues related to CFPB supervisory authority under Section 1024 Issues related to Dodd-Frank including Section 1033 Issues related to the Consumer Financial Protection Bureau H.R. 4773, the Consumer Financial Protection Commission Act Legislation related to establishing a commission at the CFPB Issues related to Interest Rate Caps on Banks Issues related to CFPB Consumer Response Portal Issues related to CFPB Taskforce on Consumer Financial Laws CFPB Section 1071 rulemaking Issues related to the Ability to Repay Rule, Qualified Mortgage Standards Issues related to Underbanked/Unbanked Consumers Issues related to CFPB agency guidance Issues related to bank fees, including overdraft fees. Issues related to the establishment of a bank tax. Issues related to financial institution charters, specifically ILC charters Issues related to the COVID-19 pandemic H.R. 4120, To amend the Fair Credit Reporting Act to provide comprehensive reforms to the consumer credit reporting laws, and for other purposes H.R. 4277, To amend the Truth in Lending Act to establish fair and transparent practices related to the marketing and provision of overdraft coverage programs at financial institutions, and for other purposes Issues related to U.S. Postal Service banking services. Issues related to financial data reporting to the IRS. Issues related to IRS Customer Reporting Requirements for Financial Institutions Issues related to the Federal Reserve Central Digital Bank Currency Issues related to the Federal Reserve Consumer checking accounts Issues related to the SBAs paycheck protection program Issues related to Pub. Law 116-136, Coronavirus Aid, Relief, and Economic Security Act H.R. 6800 (116th Cong.), Health and Economic Recovery Omnibus Emergency Solutions H.R. 7010 (116th Cong.), Paycheck Protection Program Flexibility Act of 2020 S. 4117 (116th Cong.), Paycheck Protection Program Small Business Forgiveness Act H.R. 7777 (116th Cong.), Paycheck Protection Small Business Forgiveness Act H.R. 266 (116th Cong.), Paycheck Protection Program and Health Care Enhancement Act H.R. 8406 (116th Cong.), The Heroes Act H.R. 8265 (116th Cong.), To amend the Small Business Act and the CARES Act to establish a program for second draw loans and make other modifications to the paycheck protection program, and for other purposes. S. 4321 (116th Cong.), Continuing Small Business Recovery and Paycheck Protection Program Act H.R. 1799, PPP Extension Act of 2021 H.R. 1319, American Rescue Plan Act of 2021 COVID-19 relief-related amendments to S. 178 (116th Cong.) Issues related to the Heal, Economic Assistance, Liability Protection, and Schools Act Issues related to the Paycheck Protection Program Issues related to OCC Fair Access Proposal Issues related to OCC Modeled Income H.R. 133, Coronavirus Response and Relief Supplemental Appropriations Act H.R. 6332 (116th Cong.), Relief for Consumers During COVID-19 Act of 2020 H.R. 6361, the Relief for Small Businesses and Nonprofits Act (116th Congress) H.R. 6370, the Disaster Protection for Workers' Credit Act (116th Congress) H.R. 6316, the Emergency Relief for Student Borrowers Act of 2020 (116th Congress) H.R. 1657, Ending Debt Collection Harassment Act of 2021 H.J. Res. _____, Resolution of Disapproval on the OCCs National Banks and Federal Savings Associations as Lenders Final Rule. Issues related to economic impact payments distributed and subsequent garnishments pursuant to the Coronavirus Aid, Relief, and Economic Security Act or CARES Act Issues related to the transition away from LIBOR H.R. 4616, the Adjustable Interest Rate (LIBOR) Act of 2021 Issues related to the reauthorization of the Higher Education Act Issues related to the CFPBs and Department of Educations actions on student lending Issues related to disclosures for federal student loans Legislation related to student loan refinancing programs Issues related to bankruptcy protections for student loans Issues related to federal student loan reform H.R. 1161 & S. 2015 (116th Cong.), The Student Loan Disclosure Modernization Act H.R. 811 & S. 234 (116th Cong.), Transparency in Student Lending Act H.R. 3621 (116th Cong.), Student Borrower Credit Improvement Act H.R. 3622 (116th Cong.), Restoring Unfairly Impaired Credit and Protecting Consumers Act H.R. 2674 (116th Cong.), the College Affordability Act H.R. 5294 (116th Cong.), Student Borrower Protection Act of 2019 H.R. 2648 (116th Cong.), Student Borrower Bankruptcy Relief Act of 2019 H.R. 2498, Private Loan Disability Discharge Act of 2021 Issues related to Appropriations H.R. 4345, Financial Services and General Government Appropriations Act, 2022 H.R. 4350/S. 2792, National Defense Authorization Act for Fiscal Year 2022 S. Con. Res. 144616, A concurrent resolution setting forth the congressional budget for the United States Government for the fiscal year 2022 and setting forth the appropriate budgetary levels for fiscal years 2023 through Issues related to the Fair Credit Reporting Act H.R. 3642 (116th Cong.), Improving Credit Reporting for All Consumers Act H.R. 953 (116th Cong.), To prohibit consumer reporting agencies from including adverse information in certain consumer reports, and from making adverse determinations relating to security clearances, with respect to certain individuals affected by the Government shutdown, and for other purposes. H.R. 1500 (116th Cong.), Consumers First Act Issues related to the Comprehensive Consumer Credit Reporting Reform Act of 2019 H.R. 4120, Comprehensive Credit Reporting Enhancement, Disclosure, Innovation, and Transparency Act of 2021 Draft Legislation - Protecting Your Credit Score Act of 2021 Issues related to the Community Reinvestment Act Issues related to financial regulatory coordination Issues related to SBA 7(a) Loan Program and fees H.R. 3614 (116th Cong.), Restricting Credit Checks for Employment Decisions Act H.R. 3618 (116th Cong.), Free Credit Scores for Consumer Act of 2019 H.R. 5050 (116th Cong.), the Veterans and Consumers Fair Credit Act Issues related to the Fair Housing Act Issues related to FinTech Issues related to the E-SIGN Act S. 4159 (116th Cong.), E-SIGN Modernization Act of 2020 Issues related to the Bank Secrecy Act and Anti-Money Laundering Issues related to the Counter-Terrorism & Illicit Finance Act H.R. 2513 (116th Cong.), the Corporate Transparency Act of 2019 H.R. 2514 (116th Cong.), the Coordinating Oversight, Upgrading and Innovating Technology, and Examiner Reform Act of 2019 S. 2563 (116th Cong.), the Improving Laundering Laws and Increasing Comprehensive Information Tracking of Criminal Activity in Shell Holdings Act Issues related to Parent Companies of Industrial Banks and Industrial Loan Companies Regulations: Equal Credit Opportunity issues, Regulation B, 12 CFR Part 1002 Home Mortgage Disclosure Act Issues, Regulation C, 12 CFR Part 1003 Fair Debt Collection Practices Issues, Regulation F, 12 CFR Part 1006 Privacy Issues, 12 CFR Parts 40, 216, 332, 1016 Fair Credit Reporting Issues, 12 CFR Parts 41, 171, 334, 1022 Truth in Lending Issues, Regulation Z, 12 CFR Part 1026 Regulations related to the Dodd-Frank Act, Pub. L. No. 111-203 Issues related to the Higher Education Act Issues related to Electronic Fund Transfer Act, Regulation E, 15 U.S.C. 1693 Issues related to FDIC Deposit Insurance Issues related to the Paperwork Reduction Act Issues related to the Military Lending Act Community Reinvestment Act Regulations & Q&A issues Issues related to the Servicemembers Civil Relief Act Issues related to Small Business Act Issues related to the Bank Secrecy Act and Anti-Money Laundering rules Issues related to the Counter-Terrorism & Illicit Finance Act Issues related to Section 1033 of Dodd-Frank Issues related to CFPB Electronic Disclosures on Mobile Devices Issues related to Fintech oversight