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Credit Card Competition Act of 2023
Legislative Progress
Momentum (last 30 days)
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0 actions · 0 new cosponsors · 0 votes
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vs 10,564 other HR bills in the 118th — cohort avg 68d
No CRS summary is available for this bill yet. The source title, actions, sponsors, and text versions below come from Congress.gov.
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Referred to the House Committee on Financial Services.
Introduced in House
Congress.gov source codes: 1000, Intro-H
Bills with similar content found using semantic analysis.
Sources: Congress.gov
2026 · third_quarter · Financial Institutions/Investments/Securities
Issues related to consumer finance and credit card competition Credit card competition act - S 1838/HR3881
Client expense: $130,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2026 · third_quarter · Banking
General issues related to H.R. 3881 Credit Card Competition Act of 2023; S.1838 Credit Card Competition Act of 2023.
Client expense: Not reported · Firm income: $110,000
Government targets: Executive Office of the President (EOP), HOUSE OF REPRESENTATIVES, Natl Economic Council (NEC), SENATE, Vice President of the U.S.
2026 · third_quarter · Banking
LEGISLATIVE House H.R. 3445- Consumer Financial Protection Commission Act H.R. 654- Taking Account of Bureaucrats Spending (TABS) Act of 2025 H.R. 2331- Transparency in CFPB Cost-Benefit Analysis Act H.R. 2513- CFPB-IG Reform Act of 2025 H.R. 1165- Data Privacy Act of 2023 (118th Congress) H.R. 3881- Credit Card Competition Act of 2023 (118th Congress) H.R. 2392- Stablecoin Transparency and Accountability for a Better Ledger Economy (STABLE) Act of 2025 H.R. 1652- Rectifying UDAAP Act H.R. 2885- Bank Loan Privacy Act H.R. 1944- 10 Percent Credit Card Interest Rate Cap Act H.J.Res. 59- Disapproving the rule submitted by the Bureau of Consumer Financial Protection relating to "Overdraft Lending: Very Large Financial Institutions". H.R. 306- Ending Scam Credit Repair (ESCRA) Act H.R. 2978- Guarding Unprotected Aging Retirees from Deception (GUARD) Act H.R. 941- Small Lenders Exempt from New Data and Excessive Reporting (Small LENDER) Act H.R. 940- Fair Audits and Inspections for Regulators Exams (FAIR Exams) Act H.R. 1919- Anti-CBDC Surveillance State Act H.R. 3663- Digital Asset Market Clarity Act H.R. 5291- Merchant Banking Modernization Act H.R.6644 - 21st Century ROAD to Housing Act H.R.7035 - Credit Card Competition Act of 2026 H.R.7548 - Safeguarding Consumers from Advertising Misconduct Act (SCAM Act) H.R.8398 - Guidelines for Use, Access, and Responsible Disclosure of Financial Data Act H.R. ____- a bill to require the Federal financial institutions regulatory agencies to jointly review the cumulative impact of regulations issued by such agencies, and for other purposes H.R. ____- a bill to amend the Consumer Financial Protection Act of 2010 to require the attestation of certain information as part of the consumer complaint submission process, and for other purposes H.R. ____- a bill to amend the Consumer Financial Protection Act of 2010 to provide procedures for guidance issued by the Bureau of Consumer Financial Protection, and for other purposes H.R. ____- a bill to amend the Consumer Financial Protection Act of 2010 to direct civil penalties to victims and transfer excess funds to the Treasury, and for other purposes H.R. ____- a bill to amend the Consumer Financial Protection Act of 2010 to eliminate the market monitoring functions of the Bureau of Consumer Financial Protection, and for other purposes H.R. ____- a bill to amend the Consumer Financial Protection Act of 2010 to revise the structure and maximum amounts of civil monetary penalties, and to provide incentives for the self-reporting of violations H.R.____, the Transaction Risk Analytics and Collaborative Exchange (TRACE) Act of 2026 H.R.____, the Bank Fraud Technology Advancement Act of 2026 H.R.____, the Scrutinizing Transactions for Overt Payment Fraud (STOP Fraud) Act H.R.____, a bill to make improvements to title V of the Gramm-Leach-Bliley Act, and for other purposes H.R.____, A HFSC Discussion Draft bill to make reforms to the Bureau of Consumer Financial Protection, and for other purposes. Senate S. 1362- Transparency in CFPB Cost-Benefit Analysis Act (118th Congress) S. 381- 10 Percent Credit Card Interest Rate Cap Act S.J.Res. 18- A joint resolution disapproving the rule submitted by the Bureau of Consumer Financial Protection relating to "Overdraft Lending: Very Large Financial Institutions". S. 1582- Guiding and Establishing National Innovation for U.S. Stablecoins (GENIUS) Act S. 2019- Taskforce for Recognizing and Averting Payment Scams (TRAPS) Act S. 2486- Protecting Access to Credit for Small Businesses Act S. 2511, College Transparency Act S.2651 - ROAD to Housing Act of 2025 S. 2663- Merchant Banking Modernization Act S. ____- Responsible Financial Innovation Act of 2025 S.3623 - Credit Card Competition Act of 2026 S.3660 - Credit Card Fairness Act S.3774 - Safeguarding Consumers from Advertising Misconduct Act (SCAM Act) S. 4097, State-Based Loan Awareness Act S.4943 - Outcomes-Based Financing (OBF) for Students Act Both Chambers Issues related to the cumulative impact of banking regulations, Issues related to Zelle payment platform and changes to Regulation E House/Senate semi-annual hearings with the Director of the CFPB Issues related to Financial Services and General Government Appropriations Issues related to consumer data privacy Issues related to regulation of private student loans Legislation related to student loan refinancing programs Issues related to federal student loan reform Issues related to cybersecurity, data security, and breach notification Issues related to credit card network interchange fees Issues related to fraud and scams Issues related to debit interchange Issues related to the CFPBs overdraft final rule Legislation related to the Small Business Administration 7(a) loan program Issues related to the CFPBs Section 1033 final rule Issues related to the CFPBs credit card late fees final rule Issues related to implementation of Section 1071 of the Dodd-Frank Act H.R. 1- One Big Beautiful Bill Act- remittance tax provisions REGULATORY Privacy Issues, 12 CFR Parts 40, 216, 332, 1016 CFPB Issues related to Section 1033 of the Dodd-Frank Act Issues related to CFPB Credit Card late fees Safe Harbor rule Issues related to UDAAP exam manual changes Issues related to Section 1071 Small Business Data Collection Issues related to Overdraft and non-sufficient funds (NSF) fees Issues related to nonbank oversight Issues related to Section 1034 of the Dodd-Frank Act Issues related to Section 1042 of the Dodd-Frank Act Issues related to the Fair Credit Reporting Act Issues related to CFPB supervisory authority under Section 1024 Issues related to CFPB agency guidance Issues related to CFPB Consumer Response Portal Issues related to CFPB UDAAP Authority Issues related to Electronic Fund Transfer Act, regulation E, 15 U.S.C. 1693 Issues related to Equal Credit Opportunity issues, Regulation B, 12 CFR Part 1002 Issues related to Home Mortgage Disclosure Act Issues, Regulation C, 12 CFR Part 1003 Issues related to Fair Credit Reporting Issues, 12 CFR Parts 41, 171, 334, 1022 Issues related to Truth in Lending Issues, Regulation Z, 12 CFR Part 1026 Issues related to Fair Debt Collection Practices Issues, Regulation F, 12 CFR Part 1006 Issues related to Buy Now Pay Later products Issue related to CFPB Strategic Plan OCC Issues related to the Community Reinvestment Act Issues related to fair lending and fair banking Issues related to the Fair Housing Act Issues related to Underbanked/Unbanked Consumers- Consumer Financial Health Issues related to GENIUS Act NPRM Issues related to OCC Appeals Process Issues Reputation Risk Federal Reserve Issues related to the Federal Reserve Central Digital Bank Currency Issues related to the Community Reinvestment Act Issues related to Basel III Endgame Proposal Issues related to debit interchange, Reg. II Issues Reputation Risk FDIC Issues related to FDIC Deposit Insurance Issues related to the Community Reinvestment Act Issues related to FDIC logo signage Issues Reputation Risk SBA Issues related to Small Business Act Issues related to SBA 7(a) Loan Program and fees Issues related to SBA 504 Loan Program and fees FCC Issues related to the Telephone Consumer Protection Act (TCPA) Issues related to fraud and scams
2026 · second_quarter · Financial Institutions/Investments/Securities
Issues related to consumer finance and credit card competition Credit card competition act - S 1838/HR3881
Client expense: $70,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2026 · second_quarter · Banking
General lobbying on issues related to payments and financial services; issues relating to the Credit Card Competition Act; analysis of policy landscape for competition issues generally; monitor crypto market structure vote in the Senate; S.1838/H.R.3881, the Credit Card Competition Act of 2023 and possible amendments to NDAA
Client expense: Not reported · Firm income: $30,000
Government targets: HOUSE OF REPRESENTATIVES, SENATE
| Democratic |
| MA |
| Jefferson Van Drew | Republican | NJ |
| Max L. Miller | Republican | OH |
| Shri Thanedar | Democratic | MI |
| Thomas P. Tiffany | Republican | WI |
| Zoe Lofgren | Democratic | CA |
Client expense: $1,500,000 · Firm income: Not reported
Government targets: Consumer Financial Protection Bureau (CFPB), Defense, Dept of (DOD), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), SENATE, Small Business Administration (SBA), Treasury, Dept of
2026 · second_quarter · Banking
General issues related to H.R. 3881 Credit Card Competition Act of 2023; S.1838 Credit Card Competition Act of 2023.
Client expense: Not reported · Firm income: $110,000
Government targets: SENATE
2026 · second_quarter · Banking
LEGISLATIVE House H.R. 3445- Consumer Financial Protection Commission Act H.R. 654- Taking Account of Bureaucrats Spending (TABS) Act of 2025 H.R. 2331- Transparency in CFPB Cost-Benefit Analysis Act H.R. 2513- CFPB-IG Reform Act of 2025 H.R. 1165- Data Privacy Act of 2023 (118th Congress) H.R. 3881- Credit Card Competition Act of 2023 (118th Congress) H.R. 2392- Stablecoin Transparency and Accountability for a Better Ledger Economy (STABLE) Act of 2025 H.R. 1652- Rectifying UDAAP Act H.R. 2885- Bank Loan Privacy Act H.R. 1944- 10 Percent Credit Card Interest Rate Cap Act H.J.Res. 59- Disapproving the rule submitted by the Bureau of Consumer Financial Protection relating to "Overdraft Lending: Very Large Financial Institutions". H.R. 306- Ending Scam Credit Repair (ESCRA) Act H.R. 2978- Guarding Unprotected Aging Retirees from Deception (GUARD) Act H.R. 941- Small Lenders Exempt from New Data and Excessive Reporting (Small LENDER) Act H.R. 940- Fair Audits and Inspections for Regulators Exams (FAIR Exams) Act H.R. 1919- Anti-CBDC Surveillance State Act H.R. 3663- Digital Asset Market Clarity Act H.R. 5291- Merchant Banking Modernization Act H.R.6644 - 21st Century ROAD to Housing Act H.R.7035 - Credit Card Competition Act of 2026 H.R.7548 - Safeguarding Consumers from Advertising Misconduct Act (SCAM Act) H.R.7588 - Eliminating Fraud in the CFPBs Complaint Database Act H.R.7866 - American Lending Fairness Act of 2026 H.R.8671 - Bank Fraud Technology Advancement Act of 2026 H.R. ____- a bill to require the Federal financial institutions regulatory agencies to jointly review the cumulative impact of regulations issued by such agencies, and for other purposes H.R. ____- a bill to amend the Consumer Financial Protection Act of 2010 to provide procedures for guidance issued by the Bureau of Consumer Financial Protection, and for other purposes H.R. ____- a bill to amend the Consumer Financial Protection Act of 2010 to direct civil penalties to victims and transfer excess funds to the Treasury, and for other purposes H.R. ____- a bill to amend the Consumer Financial Protection Act of 2010 to eliminate the market monitoring functions of the Bureau of Consumer Financial Protection, and for other purposes H.R. ____- a bill to amend the Consumer Financial Protection Act of 2010 to revise the structure and maximum amounts of civil monetary penalties, and to provide incentives for the self-reporting of violations H.R.____, the Transaction Risk Analytics and Collaborative Exchange (TRACE) Act of 2026 H.R.____, the Scrutinizing Transactions for Overt Payment Fraud (STOP Fraud) Act H.R.____, a bill to make improvements to title V of the Gramm-Leach-Bliley Act, and for other purposes Senate S. 1362- Transparency in CFPB Cost-Benefit Analysis Act (118th Congress) S. 381- 10 Percent Credit Card Interest Rate Cap Act S.J.Res. 18- A joint resolution disapproving the rule submitted by the Bureau of Consumer Financial Protection relating to "Overdraft Lending: Very Large Financial Institutions". S. 1582- Guiding and Establishing National Innovation for U.S. Stablecoins (GENIUS) Act S. 2019- Taskforce for Recognizing and Averting Payment Scams (TRAPS) Act S. 2486- Protecting Access to Credit for Small Businesses Act S.2651 - ROAD to Housing Act of 2025 S. 2663- Merchant Banking Modernization Act S. ____- Responsible Financial Innovation Act of 2025 S.3623 - Credit Card Competition Act of 2026 S.3660 - Credit Card Fairness Act S.3774 - Safeguarding Consumers from Advertising Misconduct Act (SCAM Act) S.3889 - American Lending Fairness Act of 2026 Both Chambers Issues related to the cumulative impact of banking regulations, Issues related to Zelle payment platform and changes to Regulation E House/Senate semi-annual hearings with the Director of the CFPB Issues related to Financial Services and General Government Appropriations Issues related to consumer data privacy Issues related to regulation of private student loans Legislation related to student loan refinancing programs Issues related to federal student loan reform Issues related to cybersecurity, data security, and breach notification Issues related to credit card network interchange fees Issues related to fraud and scams Issues related to debit interchange Issues related to the CFPBs overdraft final rule Legislation related to the Small Business Administration 7(a) loan program Issues related to the CFPBs Section 1033 final rule Issues related to the CFPBs credit card late fees final rule Issues related to implementation of Section 1071 of the Dodd-Frank Act H.R. 1- One Big Beautiful Bill Act- remittance tax provisions REGULATORY CFPB Issues related to Section 1033 of the Dodd-Frank Act Issues related to CFPB Credit Card late fees Safe Harbor rule Issues related to UDAAP exam manual changes Issues related to Section 1071 Small Business Data Collection Issues related to Overdraft and non-sufficient funds (NSF) fees Issues related to nonbank oversight Issues related to Section 1034 of the Dodd-Frank Act Issues related to Section 1042 of the Dodd-Frank Act Issues related to the Fair Credit Reporting Act Issues related to CFPB supervisory authority under Section 1024 Issues related to CFPB agency guidance Issues related to CFPB Consumer Response Portal Issues related to CFPB UDAAP Authority Issues related to Electronic Fund Transfer Act, regulation E, 15 U.S.C. 1693 Issues related to Equal Credit Opportunity issues, Regulation B, 12 CFR Part 1002 Issues related to Home Mortgage Disclosure Act Issues, Regulation C, 12 CFR Part 1003 Issues related to Fair Credit Reporting Issues, 12 CFR Parts 41, 171, 334, 1022 Issues related to Truth in Lending Issues, Regulation Z, 12 CFR Part 1026 Issues related to Fair Debt Collection Practices Issues, Regulation F, 12 CFR Part 1006 Issue related to CFPB Strategic Plan Issues related to Presidential Executive Order on Immigration Issues related to Presidential Executive Order on Mortgages OCC Issues related to the Community Reinvestment Act Issues related to fair lending and fair banking Issues related to the Fair Housing Act Issues related to GENIUS Act NPRM Issues related to Reputation Risk Issues related to National Bank Chartering Process Issues related to Third Party Risk Management Issues related to Model Risk Management Federal Reserve Issues related to the Federal Reserve Central Digital Bank Currency Issues related to the Community Reinvestment Act Issues related to Basel III Endgame Proposal Issues related to debit interchange, Reg. II Issues related to Reputation Risk Issues related to Third Party Risk Management Issues related to Model Risk Management FDIC Issues related to FDIC Deposit Insurance Issues related to the Community Reinvestment Act Issues related to FDIC logo signage Issues related to GENIUS Act NPRM Issues related to Third Party Risk Management Issues related to Model Risk Management SBA Issues related to Small Business Act Issues related to SBA 7(a) Loan Program and fees Issues related to SBA 504 Loan Program and fees
Client expense: $1,030,000 · Firm income: Not reported
Government targets: Consumer Financial Protection Bureau (CFPB), Defense, Dept of (DOD), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), SENATE, Small Business Administration (SBA), Treasury, Dept of
2026 · first_quarter · Banking
General lobbying on issues related to payments and financial services; issues relating to the Credit Card Competition Act; analysis of policy landscape for competition issues generally; monitor crypto market structure vote in the Senate; S.1838/H.R.3881, the Credit Card Competition Act of 2023;
Client expense: Not reported · Firm income: $30,000
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2026 · first_quarter · Financial Institutions/Investments/Securities
Issues related to consumer finance and credit card competition Credit card competition act - S 1838/HR3881
Client expense: $80,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2026 · first_quarter · Banking
General issues related to H.R. 3881 Credit Card Competition Act of 2023; S.1838 Credit Card Competition Act of 2023.
Client expense: Not reported · Firm income: $110,000
Government targets: Commodity Futures Trading Commission (CFTC), Executive Office of the President (EOP), SENATE, Treasury, Dept of
2026 · first_quarter · Banking
House H.R. 3445- Consumer Financial Protection Commission Act H.R. 654- Taking Account of Bureaucrats Spending (TABS) Act of 2025 H.R. 2331- Transparency in CFPB Cost-Benefit Analysis Act H.R. 2513- CFPB-IG Reform Act of 2025 H.R. 1165- Data Privacy Act of 2023 (118th Congress) H.R. 3881- Credit Card Competition Act of 2023 (118th Congress) H.R. 2392- Stablecoin Transparency and Accountability for a Better Ledger Economy (STABLE) Act of 2025 H.R. 1652- Rectifying UDAAP Act H.R. 2885- Bank Loan Privacy Act H.R. 1944- 10 Percent Credit Card Interest Rate Cap Act H.J.Res. 59- Disapproving the rule submitted by the Bureau of Consumer Financial Protection relating to "Overdraft Lending: Very Large Financial Institutions". H.R. 306- Ending Scam Credit Repair (ESCRA) Act H.R. 2978- Guarding Unprotected Aging Retirees from Deception (GUARD) Act H.R. 941- Small Lenders Exempt from New Data and Excessive Reporting (Small LENDER) Act H.R. 940- Fair Audits and Inspections for Regulators Exams (FAIR Exams) Act H.R. 1919- Anti-CBDC Surveillance State Act H.R. 3663- Digital Asset Market Clarity Act H.R. 5291- Merchant Banking Modernization Act H.R.6644 - 21st Century ROAD to Housing Act H.R.7035 - Credit Card Competition Act of 2026 H.R.7548 - Safeguarding Consumers from Advertising Misconduct Act (SCAM Act) H.R. ____- a bill to require the Federal financial institutions regulatory agencies to jointly review the cumulative impact of regulations issued by such agencies, and for other purposes H.R. ____- a bill to amend the Consumer Financial Protection Act of 2010 to require the attestation of certain information as part of the consumer complaint submission process, and for other purposes H.R. ____- a bill to amend the Consumer Financial Protection Act of 2010 to provide procedures for guidance issued by the Bureau of Consumer Financial Protection, and for other purposes H.R. ____- a bill to amend the Consumer Financial Protection Act of 2010 to direct civil penalties to victims and transfer excess funds to the Treasury, and for other purposes H.R. ____- a bill to amend the Consumer Financial Protection Act of 2010 to eliminate the market monitoring functions of the Bureau of Consumer Financial Protection, and for other purposes H.R. ____- a bill to amend the Consumer Financial Protection Act of 2010 to revise the structure and maximum amounts of civil monetary penalties, and to provide incentives for the self-reporting of violations H.R.____, the Transaction Risk Analytics and Collaborative Exchange (TRACE) Act of 2026 H.R.____, the Bank Fraud Technology Advancement Act of 2026 H.R.____, the Scrutinizing Transactions for Overt Payment Fraud (STOP Fraud) Act H.R.____, a bill to make improvements to title V of the Gramm-Leach-Bliley Act, and for other purposes Senate S. 1362- Transparency in CFPB Cost-Benefit Analysis Act (118th Congress) S. 381- 10 Percent Credit Card Interest Rate Cap Act S.J.Res. 18- A joint resolution disapproving the rule submitted by the Bureau of Consumer Financial Protection relating to "Overdraft Lending: Very Large Financial Institutions". S. 1582- Guiding and Establishing National Innovation for U.S. Stablecoins (GENIUS) Act S. 2019- Taskforce for Recognizing and Averting Payment Scams (TRAPS) Act S. 2486- Protecting Access to Credit for Small Businesses Act S.2651 - ROAD to Housing Act of 2025 S. 2663- Merchant Banking Modernization Act S. ____- Responsible Financial Innovation Act of 2025 S.3623 - Credit Card Competition Act of 2026 S.3660 - Credit Card Fairness Act S.3774 - Safeguarding Consumers from Advertising Misconduct Act (SCAM Act) Both Chambers Issues related to the cumulative impact of banking regulations, Issues related to Zelle payment platform and changes to Regulation E House/Senate semi-annual hearings with the Director of the CFPB Issues related to Financial Services and General Government Appropriations Issues related to consumer data privacy Issues related to regulation of private student loans Legislation related to student loan refinancing programs Issues related to federal student loan reform Issues related to cybersecurity, data security, and breach notification Issues related to credit card network interchange fees Issues related to fraud and scams Issues related to debit interchange Issues related to the CFPBs overdraft final rule Legislation related to the Small Business Administration 7(a) loan program Issues related to the CFPBs Section 1033 final rule Issues related to the CFPBs credit card late fees final rule Issues related to implementation of Section 1071 of the Dodd-Frank Act Public Law No: 119-21, The "Working Families Tax Cut" legislation REGULATORY Privacy Issues, 12 CFR Parts 40, 216, 332, 1016 CFPB Issues related to Section 1033 of the Dodd-Frank Act Issues related to CFPB Credit Card late fees Safe Harbor rule Issues related to UDAAP exam manual changes Issues related to Section 1071 Small Business Data Collection Issues related to Overdraft and non-sufficient funds (NSF) fees Issues related to nonbank oversight Issues related to Section 1034 of the Dodd-Frank Act Issues related to Section 1042 of the Dodd-Frank Act Issues related to the Fair Credit Reporting Act Issues related to CFPB supervisory authority under Section 1024 Issues related to CFPB agency guidance Issues related to CFPB Consumer Response Portal Issues related to CFPB UDAAP Authority Issues related to Electronic Fund Transfer Act, regulation E, 15 U.S.C. 1693 Issues related to Equal Credit Opportunity issues, Regulation B, 12 CFR Part 1002 Issues related to Home Mortgage Disclosure Act Issues, Regulation C, 12 CFR Part 1003 Issues related to Fair Credit Reporting Issues, 12 CFR Parts 41, 171, 334, 1022 Issues related to Truth in Lending Issues, Regulation Z, 12 CFR Part 1026 Issues related to Fair Debt Collection Practices Issues, Regulation F, 12 CFR Part 1006 Issues related to Buy Now Pay Later products Issue related to CFPB Strategic Plan OCC Issues related to the Community Reinvestment Act Issues related to fair lending and fair banking Issues related to the Fair Housing Act Issues related to Underbanked/Unbanked Consumers- Consumer Financial Health Issues related to GENIUS Act NPRM Issues related to OCC Appeals Process Issues Reputation Risk Federal Reserve Issues related to the Federal Reserve Central Digital Bank Currency Issues related to the Community Reinvestment Act Issues related to Basel III Endgame Proposal Issues related to debit interchange, Reg. II FDIC Issues related to FDIC Deposit Insurance Issues related to the Community Reinvestment Act Issues related to FDIC logo signage SBA Issues related to Small Business Act Issues related to SBA 7(a) Loan Program and fees Issues related to SBA 504 Loan Program and fees
Client expense: $830,000 · Firm income: Not reported
Government targets: Consumer Financial Protection Bureau (CFPB), Defense, Dept of (DOD), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), SENATE, Small Business Administration (SBA), Treasury, Dept of
2025 · first_quarter · Aviation/Airlines/Airports
Customer-related issues. Air Traffic Controller Staffing Levels. Air Traffic Controller Hiring, Training and Infrastructure. Air Traffic Control Reform and Modernization. Government Shutdown Impacts on Federal Aviation Administration. DOT and FAA Regulations. NOTAM Modernization. Issues pertaining to security screening and biometric technology. Issues pertaining to airline frequent flyer programs. Issues pertaining to airline workforce and labor. S. 697, Air Traffic Control Workforce Development Act of 2025, all provisions. H.R. 2874/S. 1292, Flight Education Access Act, all provisions. P.L. 118-63, FAA Reauthorization Act of 2024, most provisions. H.R. 3881/S. 1838, Credit Card Competition Act of 2023, provisions related to aviation. H.R. 1719/S. 144, Farm to Fly Act of 2025, all provisions. S. 5145, Farmer First Fuel Incentives Act, provisions related to aviation.
Client expense: $1,140,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2025 · fourth_quarter · Financial Institutions/Investments/Securities
Issues related to consumer finance and credit card competition Credit card competition act - S 1838/HR3881
Client expense: $50,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2025 · fourth_quarter · Banking
Reducing credit and debit card interchange rates, including competitive routing and unfair credit card practices. -Public Law No: 111-203 (H.R. 4173), - Dodd-Frank Wall Street Reform and Consumer Protection Act, Subtitle G, Sec. 1075 of HR 4173 (as enacted). Reasonable fees and rules for payment card transactions and routing of transactions. -S. 1838. Credit Card Competition Act of 2023 (all provisions). -H.R. 3881. Credit Card Competition Act of 2023 (all provisions).
Client expense: Not reported · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2025 · fourth_quarter · Banking
General issues related to H.R. 3881 Credit Card Competition Act of 2023; S.1838 Credit Card Competition Act of 2023.
Client expense: Not reported · Firm income: $110,000
Government targets: SENATE
2025 · fourth_quarter · Banking
General lobbying on issues related to payments and financial services; issues relating to the Credit Card Competition Act: GENIUS Act, S. 394; analysis of policy landscape for competition issues generally; monitor crypto market structure vote in the Senate; S.1838/H.R.3881, the Credit Card Competition Act of 2023; Amendment to the National Defense Authorization Act for Fiscal Year 2025 (Public Law No: 118-159); American Relief Act, 2025 (Public Law No: 118-158)
Client expense: Not reported · Firm income: $30,000
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2025 · fourth_quarter · Banking
House H.R. 3445- Consumer Financial Protection Commission Act H.R. 654- Taking Account of Bureaucrats Spending (TABS) Act of 2025 H.R. 2331- Transparency in CFPB Cost-Benefit Analysis Act H.R. 2513- CFPB-IG Reform Act of 2025 H.R. 1165- Data Privacy Act of 2023 (118th Congress) H.R. 3881- Credit Card Competition Act of 2023 (118th Congress) H.R. 2392- Stablecoin Transparency and Accountability for a Better Ledger Economy (STABLE) Act of 2025 H.R. 1652- Rectifying UDAAP Act H.R. 2885- Bank Loan Privacy Act H.R. 1944- 10 Percent Credit Card Interest Rate Cap Act H.J.Res. 59- Disapproving the rule submitted by the Bureau of Consumer Financial Protection relating to "Overdraft Lending: Very Large Financial Institutions". H.R. 306- Ending Scam Credit Repair (ESCRA) Act H.R. 2978- Guarding Unprotected Aging Retirees from Deception (GUARD) Act H.R. 941- Small Lenders Exempt from New Data and Excessive Reporting (Small LENDER) Act H.R. 940- Fair Audits and Inspections for Regulators Exams (FAIR Exams) Act H.R. 1919- Anti-CBDC Surveillance State Act H.R. 3663- Digital Asset Market Clarity Act H.R. 5291- Merchant Banking Modernization Act H.R. ____- a bill to require the Federal financial institutions regulatory agencies to jointly review the cumulative impact of regulations issued by such agencies, and for other purposes H.R. ____- a bill to amend the Consumer Financial Protection Act of 2010 to require the attestation of certain information as part of the consumer complaint submission process, and for other purposes H.R. ____- a bill to amend the Consumer Financial Protection Act of 2010 to provide procedures for guidance issued by the Bureau of Consumer Financial Protection, and for other purposes H.R. ____- a bill to amend the Consumer Financial Protection Act of 2010 to direct civil penalties to victims and transfer excess funds to the Treasury, and for other purposes H.R. ____- a bill to amend the Consumer Financial Protection Act of 2010 to eliminate the market monitoring functions of the Bureau of Consumer Financial Protection, and for other purposes H.R. ____- a bill to amend the Consumer Financial Protection Act of 2010 to revise the structure and maximum amounts of civil monetary penalties, and to provide incentives for the self-reporting of violations Senate S. 1362- Transparency in CFPB Cost-Benefit Analysis Act (118th Congress) S. 1838- Credit Card Competition Act of 2023 (118th Congress) S. 381- 10 Percent Credit Card Interest Rate Cap Act S.J.Res. 18- A joint resolution disapproving the rule submitted by the Bureau of Consumer Financial Protection relating to "Overdraft Lending: Very Large Financial Institutions". S. 1582- Guiding and Establishing National Innovation for U.S. Stablecoins (GENIUS) Act S. 2019- Taskforce for Recognizing and Averting Payment Scams (TRAPS) Act S. 2486- Protecting Access to Credit for Small Businesses Act S. 2663- Merchant Banking Modernization Act S. ____- Responsible Financial Innovation Act of 2025 Both Chambers Issues related to the cumulative impact of banking regulations, Issues related to Zelle payment platform and changes to Regulation E House/Senate semi-annual hearings with the Director of the CFPB Issues related to Financial Services and General Government Appropriations Issues related to consumer data privacy Issues related to regulation of private student loans Legislation related to student loan refinancing programs Issues related to federal student loan reform Issues related to cybersecurity, data security, and breach notification Issues related to credit card network interchange fees Issues related to fraud and scams Issues related to debit interchange Issues related to the CFPBs overdraft final rule Legislation related to the Small Business Administration 7(a) loan program Issues related to the CFPBs Section 1033 final rule Issues related to the CFPBs credit card late fees final rule Issues related to implementation of Section 1071 of the Dodd-Frank Act H.R. 1- One Big Beautiful Bill Act- remittance tax provisions REGULATORY Privacy Issues, 12 CFR Parts 40, 216, 332, 1016 CFPB Issues related to Section 1033 of the Dodd-Frank Act Issues related to CFPB Credit Card late fees Safe Harbor rule Issues related to UDAAP exam manual changes Issues related to Section 1071 Small Business Data Collection Issues related to Overdraft and non-sufficient funds (NSF) fees Issues related to nonbank oversight Issues related to Section 1034 of the Dodd-Frank Act Issues related to Section 1042 of the Dodd-Frank Act Issues related to the Fair Credit Reporting Act Issues related to CFPB supervisory authority under Section 1024 Issues related to CFPB agency guidance Issues related to CFPB Consumer Response Portal Issues related to CFPB UDAAP Authority Issues related to Electronic Fund Transfer Act, regulation E, 15 U.S.C. 1693 Issues related to Equal Credit Opportunity issues, Regulation B, 12 CFR Part 1002 Issues related to Home Mortgage Disclosure Act Issues, Regulation C, 12 CFR Part 1003 Issues related to Fair Credit Reporting Issues, 12 CFR Parts 41, 171, 334, 1022 Issues related to Truth in Lending Issues, Regulation Z, 12 CFR Part 1026 Issues related to Fair Debt Collection Practices Issues, Regulation F, 12 CFR Part 1006 Issues related to Buy Now Pay Later products OCC Issues related to the Community Reinvestment Act Issues related to fair lending and fair banking Issues related to the Fair Housing Act Issues related to Underbanked/Unbanked Consumers- Consumer Financial Health Federal Reserve Issues related to the Federal Reserve Central Digital Bank Currency Issues related to the Community Reinvestment Act Issues related to Basel III Endgame Proposal Issues related to debit interchange, Reg. II FDIC Issues related to FDIC Deposit Insurance Issues related to the Community Reinvestment Act Issues related to FDIC logo signage SBA Issues related to Small Business Act Issues related to SBA 7(a) Loan Program and fees Issues related to SBA 504 Loan Program and fees
Client expense: $970,000 · Firm income: Not reported
Government targets: Consumer Financial Protection Bureau (CFPB), Defense, Dept of (DOD), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), SENATE, Small Business Administration (SBA), Treasury, Dept of
2025 · third_quarter · Financial Institutions/Investments/Securities
Issues related to payment processing, corporate governance, debit reforms, financial innovation and technology, lending, gift cards, money transmission licensing, fraud prevention, payment authentication, data security, the CFPB open banking rule, the Credit Card Competition Act (H.R. 3881 / S. 1838), the Financial Services and General Government Appropriations Act, 2025 (H.R. 8773), and financial inclusion.
Client expense: $4,350,000 · Firm income: Not reported
Government targets: Consumer Financial Protection Bureau (CFPB), Federal Reserve System, HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), SENATE, Treasury, Dept of
2025 · third_quarter · Financial Institutions/Investments/Securities
Issues related to consumer finance and credit card competition Credit card competition act - S 1838/HR3881
Client expense: $30,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2025 · third_quarter · Banking
House H.R. 3445- Consumer Financial Protection Commission Act H.R. 654- Taking Account of Bureaucrats Spending (TABS) Act of 2025 H.R. 2331- Transparency in CFPB Cost-Benefit Analysis Act H.R. 2513- CFPB-IG Reform Act of 2025 H.R. 1165- Data Privacy Act of 2023 (118th Congress) H.R. 3881- Credit Card Competition Act of 2023 (118th Congress) H.R. 2392- Stablecoin Transparency and Accountability for a Better Ledger Economy (STABLE) Act of 2025 H.R. 1652- Rectifying UDAAP Act H.R. 2885- Bank Loan Privacy Act H.R. 1944- 10 Percent Credit Card Interest Rate Cap Act H.J.Res. 59- Disapproving the rule submitted by the Bureau of Consumer Financial Protection relating to "Overdraft Lending: Very Large Financial Institutions". H.R. 306- Ending Scam Credit Repair (ESCRA) Act H.R. 2978- Guarding Unprotected Aging Retirees from Deception (GUARD) Act H.R. 941- Small Lenders Exempt from New Data and Excessive Reporting (Small LENDER) Act H.R. 940- Fair Audits and Inspections for Regulators Exams (FAIR Exams) Act H.R. 1919- Anti-CBDC Surveillance State Act H.R. 3663- Digital Asset Market Clarity Act H.R. 5291- Merchant Banking Modernization Act H.R. ____- a bill to require the Federal financial institutions regulatory agencies to jointly review the cumulative impact of regulations issued by such agencies, and for other purposes H.R. ____- a bill to amend the Consumer Financial Protection Act of 2010 to require the attestation of certain information as part of the consumer complaint submission process, and for other purposes H.R. ____- a bill to amend the Consumer Financial Protection Act of 2010 to provide procedures for guidance issued by the Bureau of Consumer Financial Protection, and for other purposes H.R. ____- a bill to amend the Consumer Financial Protection Act of 2010 to direct civil penalties to victims and transfer excess funds to the Treasury, and for other purposes H.R. ____- a bill to amend the Consumer Financial Protection Act of 2010 to eliminate the market monitoring functions of the Bureau of Consumer Financial Protection, and for other purposes H.R. ____- a bill to amend the Consumer Financial Protection Act of 2010 to revise the structure and maximum amounts of civil monetary penalties, and to provide incentives for the self-reporting of violations Senate S. 1362- Transparency in CFPB Cost-Benefit Analysis Act (118th Congress) S. 1838- Credit Card Competition Act of 2023 (118th Congress) S. 381- 10 Percent Credit Card Interest Rate Cap Act S.J.Res. 18- A joint resolution disapproving the rule submitted by the Bureau of Consumer Financial Protection relating to "Overdraft Lending: Very Large Financial Institutions". S. 1582- Guiding and Establishing National Innovation for U.S. Stablecoins (GENIUS) Act S. 2019- Taskforce for Recognizing and Averting Payment Scams (TRAPS) Act S. 2486- Protecting Access to Credit for Small Businesses Act S. 2663- Merchant Banking Modernization Act S. ____- Responsible Financial Innovation Act of 2025 Both Chambers Issues related to the cumulative impact of banking regulations, Issues related to Zelle payment platform and changes to Regulation E House/Senate semi-annual hearings with the Director of the CFPB Issues related to Financial Services and General Government Appropriations Issues related to consumer data privacy Issues related to regulation of private student loans Legislation related to student loan refinancing programs Issues related to federal student loan reform Issues related to cybersecurity, data security, and breach notification Issues related to credit card network interchange fees Issues related to fraud and scams Issues related to debit interchange Issues related to the CFPBs overdraft final rule Legislation related to the Small Business Administration 7(a) loan program Issues related to the CFPBs Section 1033 final rule Issues related to the CFPBs credit card late fees final rule Issues related to implementation of Section 1071 of the Dodd-Frank Act H.R. 1- One Big Beautiful Bill Act- remittance tax provisions REGULATORY Privacy Issues, 12 CFR Parts 40, 216, 332, 1016 CFPB Issues related to Section 1033 of the Dodd-Frank Act Issues related to CFPB Credit Card late fees Safe Harbor rule Issues related to UDAAP exam manual changes Issues related to Section 1071 Small Business Data Collection Issues related to Overdraft and non-sufficient funds (NSF) fees Issues related to nonbank oversight Issues related to Section 1034 of the Dodd-Frank Act Issues related to Section 1042 of the Dodd-Frank Act Issues related to the Fair Credit Reporting Act Issues related to CFPB supervisory authority under Section 1024 Issues related to CFPB agency guidance Issues related to CFPB Consumer Response Portal Issues related to CFPB UDAAP Authority Issues related to Electronic Fund Transfer Act, regulation E, 15 U.S.C. 1693 Issues related to Equal Credit Opportunity issues, Regulation B, 12 CFR Part 1002 Issues related to Home Mortgage Disclosure Act Issues, Regulation C, 12 CFR Part 1003 Issues related to Fair Credit Reporting Issues, 12 CFR Parts 41, 171, 334, 1022 Issues related to Truth in Lending Issues, Regulation Z, 12 CFR Part 1026 Issues related to Fair Debt Collection Practices Issues, Regulation F, 12 CFR Part 1006 Issues related to Buy Now Pay Later products OCC Issues related to the Community Reinvestment Act Issues related to fair lending and fair banking Issues related to the Fair Housing Act Issues related to Underbanked/Unbanked Consumers- Consumer Financial Health Federal Reserve Issues related to the Federal Reserve Central Digital Bank Currency Issues related to the Community Reinvestment Act Issues related to Basel III Endgame Proposal Issues related to debit interchange, Reg. II FDIC Issues related to FDIC Deposit Insurance Issues related to the Community Reinvestment Act Issues related to FDIC logo signage SBA Issues related to Small Business Act Issues related to SBA 7(a) Loan Program and fees Issues related to SBA 504 Loan Program and fees
Client expense: $1,150,000 · Firm income: Not reported
Government targets: Consumer Financial Protection Bureau (CFPB), Defense, Dept of (DOD), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), SENATE, Small Business Administration (SBA), Treasury, Dept of
2025 · third_quarter · Banking
General issues related to H.R. 3881 Credit Card Competition Act of 2023; S.1838 Credit Card Competition Act of 2023.
Client expense: Not reported · Firm income: $110,000
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2025 · third_quarter · Banking
Reducing credit and debit card interchange rates, including competitive routing and unfair credit card practices. -Public Law No: 111-203 (H.R. 4173), - Dodd-Frank Wall Street Reform and Consumer Protection Act, Subtitle G, Sec. 1075 of HR 4173 (as enacted). Reasonable fees and rules for payment card transactions and routing of transactions. -S. 1838. Credit Card Competition Act of 2023 (all provisions). -H.R. 3881. Credit Card Competition Act of 2023 (all provisions).
Client expense: Not reported · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE
General banking matters: legislative and regulatory matters impacting regional financial institutions Implementation of P.L. 119-27, the GENIUS Act Discussions around market structure for digital assets H.R. 3881 / S. 1838, Credit Card Competition Act General discussions related to deposit insurance
Client expense: $260,000 · Firm income: Not reported
Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE
2025 · second_quarter · Financial Institutions/Investments/Securities
Issues related to payment processing, corporate governance, debit reforms, financial innovation and technology, lending, gift cards, money transmission licensing, fraud prevention, payment authentication, data security, the Congressional Review Act resolution to overturn the CFPB larger participant rule (S.J. Res. 18 / H.J. Res. 64), the CFPB open banking rule, the Credit Card Competition Act (H.R. 3881 / S. 1838), the Financial Services and General Government Appropriations Act, 2025 (H.R. 8773), and financial inclusion.
Client expense: $4,460,000 · Firm income: Not reported
Government targets: Consumer Financial Protection Bureau (CFPB), Federal Reserve System, HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), SENATE, Treasury, Dept of
2025 · second_quarter · Financial Institutions/Investments/Securities
Issues related to consumer finance and credit card competition Credit card competition act - S 1838/HR3881
Client expense: $70,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2025 · second_quarter · Banking
General issues related to H.R. 3881 Credit Card Competition Act of 2023; S.1838 Credit Card Competition Act of 2023.
Client expense: Not reported · Firm income: $110,000
Government targets: Executive Office of the President (EOP), HOUSE OF REPRESENTATIVES, SENATE, Vice President of the U.S.
2025 · second_quarter · Banking
Reducing credit and debit card interchange rates, including competitive routing and unfair credit card practices. -Public Law No: 111-203 (H.R. 4173), - Dodd-Frank Wall Street Reform and Consumer Protection Act, Subtitle G, Sec. 1075 of HR 4173 (as enacted). Reasonable fees and rules for payment card transactions and routing of transactions. -S. 1838. Credit Card Competition Act of 2023 (all provisions). -H.R. 3881. Credit Card Competition Act of 2023 (all provisions). -S. 394, The Genius of 2025 (filed floor amendment -The Marshall-Durbin-Credit Card Competition Act)
Client expense: $10,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2025 · second_quarter · Financial Institutions/Investments/Securities
Discussions regarding expiration of TCJA provisions in 2025 and ongoing tax discussions in Congress. Discussed status of Credit Card Competition Act of 2023 (S.1838/H.R.3881 - 118th). General discussions concerning cyber regulatory harmonization (S.4630 - Streamlining Federal Cybersecurity Regulations Act - 118th), and reauthorization of Cyber Information Sharing Act of 2015. Discussions concerning ongoing case between Consumer Financial Protection Bureau and Active Network.
Client expense: $210,000 · Firm income: Not reported
Government targets: Consumer Financial Protection Bureau (CFPB), HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of
2025 · second_quarter · Financial Institutions/Investments/Securities
Credit Card Competition Act (S.1838, H.R.3881)
Client expense: Not reported · Firm income: $80,000
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2025 · second_quarter · Banking
House H.R. 3445- Consumer Financial Protection Commission Act H.R. 654- Taking Account of Bureaucrats Spending (TABS) Act of 2025 H.R. 2331- Transparency in CFPB Cost-Benefit Analysis Act H.R. 2513- CFPB-IG Reform Act of 2025 H.R. 1165- Data Privacy Act of 2023 (118th Congress) H.R. 3881- Credit Card Competition Act of 2023 (118th Congress) H.R. 2392- Stablecoin Transparency and Accountability for a Better Ledger Economy (STABLE) Act of 2025 H.R. 1652- Rectifying UDAAP Act H.R. 2885- Bank Loan Privacy Act H.R. 1944- 10 Percent Credit Card Interest Rate Cap Act H.J.Res. 59- Disapproving the rule submitted by the Bureau of Consumer Financial Protection relating to "Overdraft Lending: Very Large Financial Institutions". H.R. 306- Ending Scam Credit Repair (ESCRA) Act H.R. 2978- Guarding Unprotected Aging Retirees from Deception (GUARD) Act H.R. 941- Small Lenders Exempt from New Data and Excessive Reporting (Small LENDER) Act H.R. 940- Fair Audits and Inspections for Regulators Exams (FAIR Exams) Act H.R. 1919- Anti-CBDC Surveillance State Act Senate S. 1362- Transparency in CFPB Cost-Benefit Analysis Act (118th Congress) S. 1838- Credit Card Competition Act of 2023 (118th Congress) S. 381- 10 Percent Credit Card Interest Rate Cap Act S.J.Res. 18- A joint resolution disapproving the rule submitted by the Bureau of Consumer Financial Protection relating to "Overdraft Lending: Very Large Financial Institutions". S. 1582- Guiding and Establishing National Innovation for U.S. Stablecoins (GENIUS) Act S. 2019- Taskforce for Recognizing and Averting Payment Scams (TRAPS) Act Both Chambers Issues related to the cumulative impact of banking regulations Issues related to Zelle payment platform and changes to Regulation E House/Senate semi-annual hearings with the Director of the CFPB Issues related to Financial Services and General Government Appropriations Issues related to consumer data privacy Issues related to regulation of private student loans Legislation related to student loan refinancing programs Issues related to federal student loan reform Issues related to cybersecurity, data security, and breach notification Issues related to credit card network interchange fees Issues related to fraud and scams Issues related to debit interchange Issues related to the CFPBs overdraft final rule Legislation related to the Small Business Administration 7(a) loan program Issues related to the CFPBs Section 1033 final rule Issues related to the CFPBs credit card late fees final rule Issues related to implementation of Section 1071 of the Dodd-Frank Act H.R. 1- One Big Beautiful Bill Act- remittance tax provisions REGULATORY Privacy Issues, 12 CFR Parts 40, 216, 332, 1016 CFPB Issues related to Section 1033 of the Dodd-Frank Act Issues related to CFPB Credit Card late fees Safe Harbor rule Issues related to UDAAP exam manual changes Issues related to Section 1071 Small Business Data Collection Issues related to Overdraft and non-sufficient funds (NSF) fees Issues related to Nonbank oversight Issues related to Section 1034 of the Dodd-Frank Act Issues related to Section 1042 of the Dodd-Frank Act Issues related to the Fair Credit Reporting Act Issues related to CFPB supervisory authority under Section 1024 Issues related to CFPB agency guidance Issues related to CFPB Consumer Response Portal Issues related to CFPB UDAAP Authority Issues related to Electronic Fund Transfer Act, regulation E, 15 U.S.C. 1693 Issues related to Equal Credit Opportunity issues, Regulation B, 12 CFR Part 1002 Issues related to Home Mortgage Disclosure Act Issues, Regulation C, 12 CFR Part 1003 Issues related to Fair Credit Reporting Issues, 12 CFR Parts 41, 171, 334, 1022 Issues related to Truth in Lending Issues, Regulation Z, 12 CFR Part 1026 Issues related to Fair Debt Collection Practices Issues, Regulation F, 12 CFR Part 1006 Issues related to Buy Now Pay Later products Issues related to Early Wage Access products Issues related to regulation E opt-in requirements OCC Issues related to the Community Reinvestment Act Issues related to fair lending and fair banking Issues related to the Fair Housing Act Issues related to Underbanked/Unbanked Consumers- Consumer Financial Health Federal Reserve Issues related to the Federal Reserve Central Digital Bank Currency Issues related to the Community Reinvestment Act Issues related to Basel III Endgame Proposal Issues related to debit interchange, Reg. II FDIC Issues related to FDIC Deposit Insurance Issues related to the Community Reinvestment Act Issues related to FDIC logo signage SBA Issues related to Small Business Act Issues related to SBA 7(a) Loan Program and fees Issues related to SBA 504 Loan Program and fees
Client expense: $650,000 · Firm income: Not reported
Government targets: Consumer Financial Protection Bureau (CFPB), Defense, Dept of (DOD), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), SENATE, Small Business Administration (SBA), Treasury, Dept of
2025 · second_quarter · Financial Institutions/Investments/Securities
Issues related to credit unions, including the Credit Card Competition Act (S.1831/H.R. 3881).
Client expense: Not reported · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2025 · second_quarter · Financial Institutions/Investments/Securities
Monitor S.1838 / H.R.3881, the Credit Card Competition Act debate.
Client expense: Not reported · Firm income: $80,000
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2025 · first_quarter · Financial Institutions/Investments/Securities
Issues related to payment processing, corporate governance, debit reforms, financial innovation and technology, lending, gift cards, money transmission licensing, fraud prevention, payment authentication, data security, the Congressional Review Act resolution to overturn the CFPB larger participant rule (S.J. Res. 18 / H.J. Res. 64), the CFPB open banking rule, the Credit Card Competition Act (H.R. 3881 / S. 1838), the Financial Services and General Government Appropriations Act, 2025 (H.R. 8773), and financial inclusion.
Client expense: $4,380,000 · Firm income: Not reported
Government targets: Consumer Financial Protection Bureau (CFPB), Federal Reserve System, HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), SENATE, Treasury, Dept of
2025 · first_quarter · Banking
General issues related to H.R. 3881 Credit Card Competition Act of 2023; S.1838 Credit Card Competition Act of 2023.
Client expense: Not reported · Firm income: $110,000
Government targets: Executive Office of the President (EOP), HOUSE OF REPRESENTATIVES, SENATE, Vice President of the U.S.
2025 · first_quarter · Aviation/Airlines/Airports
Customer-related issues. Air Traffic Controller Staffing Levels. Air Traffic Controller Hiring, Training and Infrastructure. Air Traffic Control Reform and Modernization. Government Shutdown Impacts on Federal Aviation Administration. DOT and FAA Regulations. NOTAM Modernization. Issues pertaining to security screening and biometric technology. Issues pertaining to airline frequent flyer programs. Issues pertaining to airline workforce and labor. S. 697, Air Traffic Control Workforce Development Act of 2025, all provisions. H.R. 2874/S. 1292, Flight Education Access Act, all provisions. P.L. 118-63, FAA Reauthorization Act of 2024, most provisions. H.R. 3881/S. 1838, Credit Card Competition Act of 2023, provisions related to aviation. H.R. 1719/S. 144, Farm to Fly Act of 2025, all provisions. S. 5145, Farmer First Fuel Incentives Act, provisions related to aviation.
Client expense: $1,010,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2025 · first_quarter · Financial Institutions/Investments/Securities
Issues related to payment processing, corporate governance, debit reforms, financial innovation and technology, lending, gift cards, money transmission licensing, fraud prevention, payment authentication, data security, the Congressional Review Act resolution to overturn the CFPB larger participant rule (S.J. Res. 18 / H.J. Res. 64), the CFPB open banking rule, the Credit Card Competition Act (H.R. 3881 / S. 1838), the Financial Services and General Government Appropriations Act, 2025 (H.R. 8773), and financial inclusion.
Client expense: $4,330,000 · Firm income: Not reported
Government targets: Consumer Financial Protection Bureau (CFPB), Federal Reserve System, HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), SENATE, Treasury, Dept of
2025 · first_quarter · Financial Institutions/Investments/Securities
Issues related to consumer finance and credit card competition Credit card competition act - S 1838/HR3881
Client expense: $40,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2025 · first_quarter · Banking
Reducing credit and debit card interchange rates, including competitive routing and unfair credit card practices. -Public Law No: 111-203 (H.R. 4173), - Dodd-Frank Wall Street Reform and Consumer Protection Act, Subtitle G, Sec. 1075 of HR 4173 (as enacted). Reasonable fees and rules for payment card transactions and routing of transactions. -S. 1838. Credit Card Competition Act of 2023 (all provisions). -H.R. 3881. Credit Card Competition Act of 2023 (all provisions).
Client expense: $60,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2025 · first_quarter · Financial Institutions/Investments/Securities
Monitor S.1838 / H.R.3881, the Credit Card Competition Act debate.
Client expense: Not reported · Firm income: $80,000
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2025 · first_quarter · Financial Institutions/Investments/Securities
Issues related to Industrial Loan Companies (ILCs); H.R. 3881/S. 1838 - Credit Card Competition Act of 2023; Issues related to interchange fees; S. 3538 - Close the Shadow Banking Loophole Act.
Client expense: Not reported · Firm income: $50,000
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2025 · first_quarter · Banking
House H.R. ____ Consumer Financial Protection Commission Act H.R. ____ TABS Act of 2025 H.R. ____ Transparency in CFPB Cost-Benefit Analysis Act H.R. ____ CFPB-IG Reform Act H.R. 1165- Data Privacy Act of 2023 (118th Congress) H.R. 3881- Credit Card Competition Act of 2023 (118th Congress) H.R. 2392- Stablecoin Transparency and Accountability for a Better Ledger Economy (STABLE) Act of 2025 . H.R. 8356- Small Dollar Loan Certainty Act (118th Congress) Issues related to implementation of Section 1071 of the Dodd-Frank Act H.R. 1652- Rectifying UDAAP Act H.R. 1810- Bank Loan Privacy Act (118th Congress) H.R. 7531- Secure Payments Act of 2024 (118th Congress) H.R. 1944- 10 Percent Credit Card Interest Rate Cap Act H.J.Res. 59- Disapproving the rule submitted by the Bureau of Consumer Financial Protection relating to "Overdraft Lending: Very Large Financial Institutions". H.R. 306- Ending Scam Credit Repair Act H.R. __- Guarding Unprotected Aging Retirees from Deception (GUARD) Act Senate S. 1362- Transparency in CFPB Cost-Benefit Analysis Act (118th Congress) S. 1838- Credit Card Competition Act of 2023 (118th Congress) S. 381- 10 Percent Credit Card Interest Rate Cap Act . S. 3549- Predatory Lending Elimination Act (118th Congress) S. 4570- Secure Payments Act of 2024 (118th Congress) S.J.Res. 18- A joint resolution disapproving the rule submitted by the Bureau of Consumer Financial Protection relating to "Overdraft Lending: Very Large Financial Institutions". Both Chambers Issues related to the cumulative impact of banking regulations, particularly to regional banks Issues related to Zelle payment platform and changes to Regulation E House/Senate semi-annual hearings with the Director of the CFPB Issues related to Financial Services and General Government Appropriations Issues related to consumer data privacy Issues related to regulation of private student loans Legislation related to student loan refinancing programs Issues related to federal student loan reform Issues related to cybersecurity, data security, and breach notification Issues related to credit card network interchange fees Issues related to fraud and scams Issues related to debit interchange Issues related to the CFPBs overdraft final rule Legislation related to the Small Business Administration 7(a) loan program Issues related to the CFPBs Section 1033 final rule Issues related to the CFPBs credit card late fees final rule REGULATORY Privacy Issues, 12 CFR Parts 40, 216, 332, 1016 CFPB Issues related to Section 1033 of the Dodd-Frank Act Issues related to CFPB Credit Card late fees Safe Harbor rule Issues related to UDAAP exam manual changes Issues related to Section 1071 Small Business Data Collection Issues related to Overdraft and non-sufficient funds (NSF) fees Issues related to Fintech oversight Issues related to Section 1034 of the Dodd-Frank Act Issues related to the Fair Credit Reporting Act Issues related to CFPB supervisory authority under Section 1024 Issues related to CFPB agency guidance Issues related to CFPB Consumer Response Portal Issues related to CFPB UDAAP Authority Issues related to Electronic Fund Transfer Act, regulation E, 15 U.S.C. 1693 Issues related to Equal Credit Opportunity issues, Regulation B, 12 CFR Part 1002 Issues related to Home Mortgage Disclosure Act Issues, Regulation C, 12 CFR Part 1003 Issues related to Fair Credit Reporting Issues, 12 CFR Parts 41, 171, 334, 1022 Issues related to Truth in Lending Issues, Regulation Z, 12 CFR Part 1026 Issues related to Fair Debt Collection Practices Issues, Regulation F, 12 CFR Part 1006 Issues related to Buy Now Pay Later products Issues related to Early Wage Access products Issues related to regulation E opt-in requirements OCC Issues related to the Community Reinvestment Act Issues related to fair lending and fair banking Issues related to the Fair Housing Act Issues related to Underbanked/Unbanked Consumers- Consumer Financial Health Federal Reserve Issues related to the Federal Reserve Central Digital Bank Currency Issues related to the Community Reinvestment Act Issues related to Basel III Endgame Proposal Issues related to debit interchange, Reg. II FDIC Issues related to FDIC Deposit Insurance Issues related to the Community Reinvestment Act Issues related to FDIC logo signage SBA Issues related to Small Business Act Issues related to SBA 7(a) Loan Program and fees Issues related to SBA 504 Loan Program and fees Issues related to the Paycheck Protection Program
Client expense: $850,000 · Firm income: Not reported
Government targets: Consumer Financial Protection Bureau (CFPB), Defense, Dept of (DOD), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), SENATE, Small Business Administration (SBA), Treasury, Dept of
2025 · first_quarter · Financial Institutions/Investments/Securities
Discussions regarding expiration of TCJA provisions in 2025 and ongoing tax discussions in Congress, particularly status of discussions related to immediate R&D expensing and C-SALT. Discussed status of Credit Card Competition Act of 2023 (S.1838/H.R.3881 - 118th). General discussions concerning potential for federal consumer privacy legislation, cyber regulatory harmonization (S.4630 - Streamlining Federal Cybersecurity Regulations Act - 118th), and credit card interest rate cap (S.381 - 10 Percent Credit Card Interest Rate Cap Act - 119th). Discussions concerning ongoing case between Consumer Financial Protection Bureau and Active Network.
Client expense: $350,000 · Firm income: Not reported
Government targets: Education, Dept of, HOUSE OF REPRESENTATIVES, Natl Economic Council (NEC), SENATE
2025 · first_quarter · Banking
Issues related to credit card Interchange Issues relating to cost of acceptance: S.1838/H.R.3881, the Credit Card Competition Act of 2023; Amendment to National Defense Authorization Act for Fiscal Year 2025 (Public Law No: 118-159); American Relief Act, 2025 (Public Law No: 118-158)
Client expense: Not reported · Firm income: $50,000
Government targets: SENATE
2025 · first_quarter · Financial Institutions/Investments/Securities
Issues related to the Junk Fee Prevention Act (S.916)(H.R.2463). Issues related to the Credit Card Competition Act of 2023 (S. 1838)(H.R.3881). Issues related to the Ticket Act (S.430). Issues related to the No Hidden FEES Act of 2023 (H.R.6543). Issues related to the Fans First Act (S.3457).
Client expense: $40,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2025 · first_quarter · Financial Institutions/Investments/Securities
Credit Card Competition Act HR3881 & S1838. We want it to pass.
Client expense: Not reported · Firm income: $20,000
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2024 · fourth_quarter · Banking
Lobbied on changes to interchange, overdraft protection, junk fees, expansion of credit union member business lending, Regulation E expansion, succession planning requirements for credit unions, changes to credit union call report. Credit Card Competition Act of 2023 (S. 1838; H.R. 3881). Veteran Business Lending (Veterans Member Business Loan Act - H.R. 4867 & S.539). Protecting Consumers from Payments Scam Act (S. 4943, H.R. 9303)
Client expense: Not reported · Firm income: Not reported
Government targets: Consumer Financial Protection Bureau (CFPB), HOUSE OF REPRESENTATIVES, Natl Credit Union Administration (NCUA), SENATE
2024 · fourth_quarter · Financial Institutions/Investments/Securities
Issues relating to digital payments including the cost of acceptance, interchange fees, payment card security, data security, and cybersecurity. Issues relating to fraud & ID theft. Issues relating to digital transformation and payments innovations. Issues relating to S.1838/H.R.3881, the Credit Card Competition Act; Amendment to National Defense Authorization Act for Fiscal Year 2025 (Public Law No: 118-159); American Relief Act, 2025 (Public Law No: 118-158) Issues relating to merchant category codes. Issues relating to privacy and data use. Issues relating to stablecoin regulation. Issues relating to artificial intelligence.
Client expense: $2,040,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2024 · third_quarter · Financial Institutions/Investments/Securities
Issues relating to digital payments including cost of acceptance, interchange, payment security, and data & cybersecurity. Issues relating to fraud & ID theft. Issues relating to digital transformation, the deployment of tokenization, EMV technology and other payments innovations. Issues relating to S.1838/H.R.3881, the Credit Card Competition Act; Amendment to H.R.2670, the National Defense Authorization Act for Fiscal Year 2024 Issues relating to H.R. 1165, the Data Privacy Act. Issues relating to H.R. 4766, the Clarity for Payment Stablecoins Act Issues relating to interchange fees on electronic payments. Issues relating to payment card security, and data security. Issues relating to privacy and data use. Issues relating to stablecoin regulation. Issues relating to Merchant Category Codes. Issues relating to financial literacy and diversity and inclusion/racial equity. Issues relating to H.R. 6487/S.3805 - No Fees for EFTS Act Issues relating to the American Privacy Rights Act
Client expense: $1,800,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2024 · second_quarter · Financial Institutions/Investments/Securities
Issues relating to digital payments including cost of acceptance, interchange, payment security, and data & cybersecurity. Issues relating to fraud & ID theft. Issues relating to digital transformation, the deployment of tokenization, EMV technology and other payments innovations. Issues relating to S.1838/H.R.3881, the Credit Card Competition Act; Amendment to H.R. 3935, the FAA Reauthorization Act. Issues relating to H.R. 1165, the Data Privacy Act. Issues relating to H.R. 4766, the Clarity for Payment Stablecoins Act Issues relating to interchange fees on electronic payments. Issues relating to payment card security, and data security. Issues relating to privacy and data use. Issues relating to stablecoin regulation. Issues relating to Merchant Category Codes. Issues relating to financial literacy and diversity and inclusion/racial equity. Issues relating to H.R. 6487/S.3805 - No Fees for EFTS Act Issues relating to the American Privacy Rights Act Issues relating to S.4630, the Streamlining Federal Cybersecurity Regulations Act
Client expense: $1,810,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2024 · first_quarter · Financial Institutions/Investments/Securities
Issues relating to digital payments including cost of acceptance, interchange, payment security, and data & cybersecurity. Issues relating to fraud & ID theft. Issues relating to digital transformation, the deployment of tokenization, EMV technology and other payments innovations. Issues relating to S.1838/H.R.3881, the Credit Card Competition Act; H.R.4366, the Consolidated Appropriations Act, P.L.118-42; and H.R.2882, the Further Consolidated Appropriations Act, P.L.118-47. Issues relating to H.R. 1165, the Data Privacy Act. Issues relating to H.R. 4766, the Clarity for Payment Stablecoins Act Issues relating to interchange fees on electronic payments. Issues relating to payment card security, and data security. Issues relating to privacy and data use. Issues relating to stablecoin regulation. Issues relating to Merchant Category Codes. Issues relating to financial literacy and diversity and inclusion/racial equity.
Client expense: $2,030,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE