Payment Choice Act of 2023

H.R. 4128 - Payment Choice Act of 2023 This bill requires retail businesses to accept cash as a form of payment for on-site sales of $500 or less, and it prohibits them from charging cash-paying customers a higher price compared to customers not paying with cash. Businesses covered by this bill are those engaged in the business of selling or offering goods or services at retail to the public that accept in-person payments at a physical location. The bill provides for enforcement through preventative relief, damages, and civil penalties.

Client expense: Not reported · Firm income: $10,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 4128 - Payment Choice Act of 2023 This bill requires retail businesses to accept cash as a form of payment for on-site sales of $500 or less, and it prohibits them from charging cash-paying customers a higher price compared to customers not paying with cash. Businesses covered by this bill are those engaged in the business of selling or offering goods or services at retail to the public that accept in-person payments at a physical location. The bill provides for enforcement through preventative relief, damages, and civil penalties.

Client expense: Not reported · Firm income: $10,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 4128 - Payment Choice Act of 2023 This bill requires retail businesses to accept cash as a form of payment for on-site sales of $500 or less, and it prohibits them from charging cash-paying customers a higher price compared to customers not paying with cash. Businesses covered by this bill are those engaged in the business of selling or offering goods or services at retail to the public that accept in-person payments at a physical location. The bill provides for enforcement through preventative relief, damages, and civil penalties.

Client expense: Not reported · Firm income: $10,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 4128 - Payment Choice Act of 2023 This bill requires retail businesses to accept cash as a form of payment for on-site sales of $500 or less, and it prohibits them from charging cash-paying customers a higher price compared to customers not paying with cash. Businesses covered by this bill are those engaged in the business of selling or offering goods or services at retail to the public that accept in-person payments at a physical location. The bill provides for enforcement through preventative relief, damages, and civil penalties.

Client expense: Not reported · Firm income: $10,000

Government targets: HOUSE OF REPRESENTATIVES

H.R. 4128 - Payment Choice Act of 2023 This bill requires retail businesses to accept cash as a form of payment for on-site sales of $500 or less, and it prohibits them from charging cash-paying customers a higher price compared to customers not paying with cash. Businesses covered by this bill are those engaged in the business of selling or offering goods or services at retail to the public that accept in-person payments at a physical location. The bill provides for enforcement through preventative relief, damages, and civil penalties.

Client expense: Not reported · Firm income: $10,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 4128 - Payment Choice Act of 2023 This bill requires retail businesses to accept cash as a form of payment for on-site sales of $500 or less, and it prohibits them from charging cash-paying customers a higher price compared to customers not paying with cash. Businesses covered by this bill are those engaged in the business of selling or offering goods or services at retail to the public that accept in-person payments at a physical location. The bill provides for enforcement through preventative relief, damages, and civil penalties.

Client expense: Not reported · Firm income: $10,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 4128 - Payment Choice Act of 2023 This bill requires retail businesses to accept cash as a form of payment for on-site sales of $500 or less, and it prohibits them from charging cash-paying customers a higher price compared to customers not paying with cash. Businesses covered by this bill are those engaged in the business of selling or offering goods or services at retail to the public that accept in-person payments at a physical location. The bill provides for enforcement through preventative relief, damages, and civil penalties.

Client expense: Not reported · Firm income: $10,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Legislative proposal (Luetkemeyer) relating to access to banking services for financial services providers. Federal policy relating to anticipated Consumer Financial Protection Bureau regulation of consumer financial services including payday, auto title lending, and regulatory process. Legislation relating to federal regulation of interest rates on financial products, including: H.J.Res.122 - Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to "Payday, Vehicle Title, and Certain High-Cost Installment Loans", S.J.Res.56 - A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Payday, Vehicle, Title, and Certain High-Cost Installment Loans". Legislative proposals H.R. 3299 Protecting Consumer's Access to Credit Act of 2017" and H.R. 4439 "Modernizing Credit Opportunities Act. Amendment to the House of Representatives National Defense Authorization Act expanding the application of the Consumer Financial Protection Bureau's "Payday, Vehicle Title, and Certain High-Cost Installment Loans"; and S 1230 "Protecting Consumers from Unreasonable Credit Rates Act of 2019." Implementation of CARES Act (PL 116-136), provisions relating to the payroll protection program. HR 5050 - "Veterans and Consumers Fair Credit Act," provisions relating to federal regulation of interest rates on financial products. Legislative proposal H.R. 4128 (Payne) "Payment Choice Act of 2023", to ensure that U.S. currency is treated as legal tender to be accepted as payment for purchases of goods and services. Legislative proposal H.R. 7428 (Steil) "Earned Wage Access Consumer Protection Act", to regulate the business of offering and providing earned wage access services to consumers, and for other purposes. Legislative proposal H.R. 10036 (Barr/Gonzalez) "Civil Investigative Demand Reform Act of 2024", to reform the process and procedure for issuance and prosecution of Civil Investigative Demands by the Consumer Financial Protection Bureau, and for other purposes. Legislative proposal H.R. 1653 (Barr/Gonzalez) "Civil Investigative Demand Reform Act of 2025", to reform the process and procedure for issuance and prosecution of Civil Investigative Demands by the Consumer Financial Protection Bureau, and for other purposes. Geographic Targeting Order (GTO) issued by the Financial Crimes Enforcement Network (FinCEN) ordering Money Services Businesses (MSBs) in border zip codes in TX and CA to file Currency Transaction Reports (CTRs) at $200 level. Section 70604 of H.R. 1 (One Big Beautiful Bill Act) imposing a tax on all individual cross-border electronic remittance transactions.

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

Government targets: Financial Crimes Enforcement Network (FinCEN), HOUSE OF REPRESENTATIVES, SENATE

H.R. 4128 - Payment Choice Act of 2023 This bill requires retail businesses to accept cash as a form of payment for on-site sales of $500 or less, and it prohibits them from charging cash-paying customers a higher price compared to customers not paying with cash. Businesses covered by this bill are those engaged in the business of selling or offering goods or services at retail to the public that accept in-person payments at a physical location. The bill provides for enforcement through preventative relief, damages, and civil penalties.

Client expense: Not reported · Firm income: $10,000

Government targets: HOUSE OF REPRESENTATIVES

H.R. 4128 - Payment Choice Act of 2023 This bill requires retail businesses to accept cash as a form of payment for on-site sales of $500 or less, and it prohibits them from charging cash-paying customers a higher price compared to customers not paying with cash. Businesses covered by this bill are those engaged in the business of selling or offering goods or services at retail to the public that accept in-person payments at a physical location. The bill provides for enforcement through preventative relief, damages, and civil penalties.

Client expense: Not reported · Firm income: $10,000

Government targets: HOUSE OF REPRESENTATIVES

H.R. 4128 - Payment Choice Act of 2023 This bill requires retail businesses to accept cash as a form of payment for on-site sales of $500 or less, and it prohibits them from charging cash-paying customers a higher price compared to customers not paying with cash. Businesses covered by this bill are those engaged in the business of selling or offering goods or services at retail to the public that accept in-person payments at a physical location. The bill provides for enforcement through preventative relief, damages, and civil penalties.

Client expense: Not reported · Firm income: $10,000

Government targets: HOUSE OF REPRESENTATIVES

H.R. 4128 - Payment Choice Act of 2023 This bill requires retail businesses to accept cash as a form of payment for on-site sales of $500 or less, and it prohibits them from charging cash-paying customers a higher price compared to customers not paying with cash. Businesses covered by this bill are those engaged in the business of selling or offering goods or services at retail to the public that accept in-person payments at a physical location. The bill provides for enforcement through preventative relief, damages, and civil penalties.

Client expense: Not reported · Firm income: $10,000

Government targets: HOUSE OF REPRESENTATIVES

H.R. 4128 - Payment Choice Act of 2023 This bill requires retail businesses to accept cash as a form of payment for on-site sales of $500 or less, and it prohibits them from charging cash-paying customers a higher price compared to customers not paying with cash. Businesses covered by this bill are those engaged in the business of selling or offering goods or services at retail to the public that accept in-person payments at a physical location. The bill provides for enforcement through preventative relief, damages, and civil penalties.

Client expense: Not reported · Firm income: $10,000

Government targets: HOUSE OF REPRESENTATIVES

H.R. 4128 - Payment Choice Act of 2023 This bill requires retail businesses to accept cash as a form of payment for on-site sales of $500 or less, and it prohibits them from charging cash-paying customers a higher price compared to customers not paying with cash. Businesses covered by this bill are those engaged in the business of selling or offering goods or services at retail to the public that accept in-person payments at a physical location. The bill provides for enforcement through preventative relief, damages, and civil penalties.

Client expense: Not reported · Firm income: $10,000

Government targets: HOUSE OF REPRESENTATIVES

H.R. 4128 - Payment Choice Act of 2023 This bill requires retail businesses to accept cash as a form of payment for on-site sales of $500 or less, and it prohibits them from charging cash-paying customers a higher price compared to customers not paying with cash. Businesses covered by this bill are those engaged in the business of selling or offering goods or services at retail to the public that accept in-person payments at a physical location. The bill provides for enforcement through preventative relief, damages, and civil penalties.

Client expense: Not reported · Firm income: $10,000

Government targets: HOUSE OF REPRESENTATIVES

H.R. 4128 - Payment Choice Act of 2023 This bill requires retail businesses to accept cash as a form of payment for on-site sales of $500 or less, and it prohibits them from charging cash-paying customers a higher price compared to customers not paying with cash. Businesses covered by this bill are those engaged in the business of selling or offering goods or services at retail to the public that accept in-person payments at a physical location. The bill provides for enforcement through preventative relief, damages, and civil penalties.

Client expense: Not reported · Firm income: $10,000

Government targets: HOUSE OF REPRESENTATIVES

H.R. 4128 - Payment Choice Act of 2023 This bill requires retail businesses to accept cash as a form of payment for on-site sales of $500 or less, and it prohibits them from charging cash-paying customers a higher price compared to customers not paying with cash. Businesses covered by this bill are those engaged in the business of selling or offering goods or services at retail to the public that accept in-person payments at a physical location. The bill provides for enforcement through preventative relief, damages, and civil penalties.

Client expense: Not reported · Firm income: $10,000

Government targets: HOUSE OF REPRESENTATIVES

H.R. 4128 - Payment Choice Act of 2023 This bill requires retail businesses to accept cash as a form of payment for on-site sales of $500 or less, and it prohibits them from charging cash-paying customers a higher price compared to customers not paying with cash. Businesses covered by this bill are those engaged in the business of selling or offering goods or services at retail to the public that accept in-person payments at a physical location. The bill provides for enforcement through preventative relief, damages, and civil penalties.

Client expense: Not reported · Firm income: $10,000

Government targets: HOUSE OF REPRESENTATIVES

H.R. 4128 - Payment Choice Act of 2023 This bill requires retail businesses to accept cash as a form of payment for on-site sales of $500 or less, and it prohibits them from charging cash-paying customers a higher price compared to customers not paying with cash. Businesses covered by this bill are those engaged in the business of selling or offering goods or services at retail to the public that accept in-person payments at a physical location. The bill provides for enforcement through preventative relief, damages, and civil penalties.

Client expense: Not reported · Firm income: $10,000

Government targets: HOUSE OF REPRESENTATIVES

H.R. 4128 - Payment Choice Act of 2023 This bill requires retail businesses to accept cash as a form of payment for on-site sales of $500 or less, and it prohibits them from charging cash-paying customers a higher price compared to customers not paying with cash. Businesses covered by this bill are those engaged in the business of selling or offering goods or services at retail to the public that accept in-person payments at a physical location. The bill provides for enforcement through preventative relief, damages, and civil penalties.

Client expense: Not reported · Firm income: $10,000

Government targets: HOUSE OF REPRESENTATIVES

H.R. 4128 - Payment Choice Act of 2023 This bill requires retail businesses to accept cash as a form of payment for on-site sales of $500 or less, and it prohibits them from charging cash-paying customers a higher price compared to customers not paying with cash. Businesses covered by this bill are those engaged in the business of selling or offering goods or services at retail to the public that accept in-person payments at a physical location. The bill provides for enforcement through preventative relief, damages, and civil penalties.

Client expense: Not reported · Firm income: $10,000

Government targets: HOUSE OF REPRESENTATIVES

H.R. 4128 - Payment Choice Act of 2023 This bill requires retail businesses to accept cash as a form of payment for on-site sales of $500 or less, and it prohibits them from charging cash-paying customers a higher price compared to customers not paying with cash. Businesses covered by this bill are those engaged in the business of selling or offering goods or services at retail to the public that accept in-person payments at a physical location. The bill provides for enforcement through preventative relief, damages, and civil penalties.

Client expense: Not reported · Firm income: $10,000

Government targets: HOUSE OF REPRESENTATIVES

H.R. 4128 - Payment Choice Act of 2023 This bill requires retail businesses to accept cash as a form of payment for on-site sales of $500 or less, and it prohibits them from charging cash-paying customers a higher price compared to customers not paying with cash. Businesses covered by this bill are those engaged in the business of selling or offering goods or services at retail to the public that accept in-person payments at a physical location. The bill provides for enforcement through preventative relief, damages, and civil penalties.

Client expense: Not reported · Firm income: $10,000

Government targets: HOUSE OF REPRESENTATIVES

Legislative proposal (Luetkemeyer) relating to access to banking services for financial services providers. Federal policy relating to anticipated Consumer Financial Protection Bureau regulation of consumer financial services including payday, auto title lending, and regulatory process. Legislation relating to federal regulation of interest rates on financial products, including: H.J.Res.122 - Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to "Payday, Vehicle Title, and Certain High-Cost Installment Loans", S.J.Res.56 - A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Payday, Vehicle, Title, and Certain High-Cost Installment Loans". Legislative proposals H.R. 3299 Protecting Consumer's Access to Credit Act of 2017" and H.R. 4439 "Modernizing Credit Opportunities Act. Amendment to the House of Representatives National Defense Authorization Act expanding the application of the Consumer Financial Protection Bureau's "Payday, Vehicle Title, and Certain High-Cost Installment Loans"; and S 1230 "Protecting Consumers from Unreasonable Credit Rates Act of 2019." Implementation of CARES Act (PL 116-136), provisions relating to the payroll protection program. HR 5050 - "Veterans and Consumers Fair Credit Act," provisions relating to federal regulation of interest rates on financial products. Legislative proposal H.R. 4128 (Payne) "Payment Choice Act of 2023", to ensure that U.S. currency is treated as legal tender to be accepted as payment for purchases of goods and services. Legislative proposal H.R. 7428 (Steil) "Earned Wage Access Consumer Protection Act", to regulate the business of offering and providing earned wage access services to consumers, and for other purposes. Legislative proposal H.R. 10036 (Barr/Gonzalez) "Civil Investigative Demand Reform Act of 2024", to reform the process and procedure for issuance and prosecution of Civil Investigative Demands by the Consumer Financial Protection Bureau, and for other purposes. Legislative proposal H.R. 1653 (Barr/Gonzalez) "Civil Investigative Demand Reform Act of 2025", to reform the process and procedure for issuance and prosecution of Civil Investigative Demands by the Consumer Financial Protection Bureau, and for other purposes. Geographic Targeting Order (GTO) issued by the Financial Crimes Enforcement Network (FinCEN) ordering Money Services Businesses (MSBs) in border zip codes in TX and CA to file Currency Transaction Reports (CTRs) at $200 level. Section 70604 of H.R. 1 (One Big Beautiful Bill Act) imposing a tax on all individual cross-border electronic remittance transactions.

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

Government targets: Financial Crimes Enforcement Network (FinCEN), HOUSE OF REPRESENTATIVES, SENATE

H.R. 4128 - Payment Choice Act of 2023 This bill requires retail businesses to accept cash as a form of payment for on-site sales of $500 or less, and it prohibits them from charging cash-paying customers a higher price compared to customers not paying with cash. Businesses covered by this bill are those engaged in the business of selling or offering goods or services at retail to the public that accept in-person payments at a physical location. The bill provides for enforcement through preventative relief, damages, and civil penalties.

Client expense: Not reported · Firm income: $10,000

Government targets: HOUSE OF REPRESENTATIVES

H.R. 4128 - Payment Choice Act of 2023 This bill requires retail businesses to accept cash as a form of payment for on-site sales of $500 or less, and it prohibits them from charging cash-paying customers a higher price compared to customers not paying with cash. Businesses covered by this bill are those engaged in the business of selling or offering goods or services at retail to the public that accept in-person payments at a physical location. The bill provides for enforcement through preventative relief, damages, and civil penalties.

Client expense: Not reported · Firm income: $10,000

Government targets: HOUSE OF REPRESENTATIVES

H.R. 4128 - Payment Choice Act of 2023 This bill requires retail businesses to accept cash as a form of payment for on-site sales of $500 or less, and it prohibits them from charging cash-paying customers a higher price compared to customers not paying with cash. Businesses covered by this bill are those engaged in the business of selling or offering goods or services at retail to the public that accept in-person payments at a physical location. The bill provides for enforcement through preventative relief, damages, and civil penalties.

Client expense: Not reported · Firm income: $10,000

Government targets: HOUSE OF REPRESENTATIVES

H.R. 4128 - Payment Choice Act of 2023 This bill requires retail businesses to accept cash as a form of payment for on-site sales of $500 or less, and it prohibits them from charging cash-paying customers a higher price compared to customers not paying with cash. Businesses covered by this bill are those engaged in the business of selling or offering goods or services at retail to the public that accept in-person payments at a physical location. The bill provides for enforcement through preventative relief, damages, and civil penalties.

Client expense: Not reported · Firm income: $10,000

Government targets: HOUSE OF REPRESENTATIVES

H.R. 4128 - Payment Choice Act of 2023 This bill requires retail businesses to accept cash as a form of payment for on-site sales of $500 or less, and it prohibits them from charging cash-paying customers a higher price compared to customers not paying with cash. Businesses covered by this bill are those engaged in the business of selling or offering goods or services at retail to the public that accept in-person payments at a physical location. The bill provides for enforcement through preventative relief, damages, and civil penalties.

Client expense: Not reported · Firm income: $10,000

Government targets: HOUSE OF REPRESENTATIVES

H.R. 4128 - Payment Choice Act of 2023 This bill requires retail businesses to accept cash as a form of payment for on-site sales of $500 or less, and it prohibits them from charging cash-paying customers a higher price compared to customers not paying with cash. Businesses covered by this bill are those engaged in the business of selling or offering goods or services at retail to the public that accept in-person payments at a physical location. The bill provides for enforcement through preventative relief, damages, and civil penalties.

Client expense: Not reported · Firm income: $10,000

Government targets: HOUSE OF REPRESENTATIVES

H.R. 4128 - Payment Choice Act of 2023 This bill requires retail businesses to accept cash as a form of payment for on-site sales of $500 or less, and it prohibits them from charging cash-paying customers a higher price compared to customers not paying with cash. Businesses covered by this bill are those engaged in the business of selling or offering goods or services at retail to the public that accept in-person payments at a physical location. The bill provides for enforcement through preventative relief, damages, and civil penalties.

Client expense: Not reported · Firm income: $10,000

Government targets: HOUSE OF REPRESENTATIVES

H.R. 4128 - Payment Choice Act of 2023 This bill requires retail businesses to accept cash as a form of payment for on-site sales of $500 or less, and it prohibits them from charging cash-paying customers a higher price compared to customers not paying with cash. Businesses covered by this bill are those engaged in the business of selling or offering goods or services at retail to the public that accept in-person payments at a physical location. The bill provides for enforcement through preventative relief, damages, and civil penalties.

Client expense: Not reported · Firm income: $10,000

Government targets: HOUSE OF REPRESENTATIVES

H.R. 4128 - Payment Choice Act of 2023 This bill requires retail businesses to accept cash as a form of payment for on-site sales of $500 or less, and it prohibits them from charging cash-paying customers a higher price compared to customers not paying with cash. Businesses covered by this bill are those engaged in the business of selling or offering goods or services at retail to the public that accept in-person payments at a physical location. The bill provides for enforcement through preventative relief, damages, and civil penalties.

Client expense: Not reported · Firm income: $10,000

Government targets: HOUSE OF REPRESENTATIVES

H.R. 4128 - Payment Choice Act of 2023 This bill requires retail businesses to accept cash as a form of payment for on-site sales of $500 or less, and it prohibits them from charging cash-paying customers a higher price compared to customers not paying with cash. Businesses covered by this bill are those engaged in the business of selling or offering goods or services at retail to the public that accept in-person payments at a physical location. The bill provides for enforcement through preventative relief, damages, and civil penalties.

Client expense: Not reported · Firm income: $10,000

Government targets: HOUSE OF REPRESENTATIVES

H.R. 4128 - Payment Choice Act of 2023 This bill requires retail businesses to accept cash as a form of payment for on-site sales of $500 or less, and it prohibits them from charging cash-paying customers a higher price compared to customers not paying with cash. Businesses covered by this bill are those engaged in the business of selling or offering goods or services at retail to the public that accept in-person payments at a physical location. The bill provides for enforcement through preventative relief, damages, and civil penalties.

Client expense: Not reported · Firm income: $10,000

Government targets: HOUSE OF REPRESENTATIVES

H.R. 4128 - Payment Choice Act of 2023 This bill requires retail businesses to accept cash as a form of payment for on-site sales of $500 or less, and it prohibits them from charging cash-paying customers a higher price compared to customers not paying with cash. Businesses covered by this bill are those engaged in the business of selling or offering goods or services at retail to the public that accept in-person payments at a physical location. The bill provides for enforcement through preventative relief, damages, and civil penalties.

Client expense: Not reported · Firm income: $10,000

Government targets: HOUSE OF REPRESENTATIVES

H.R. 4128 - Payment Choice Act of 2023 This bill requires retail businesses to accept cash as a form of payment for on-site sales of $500 or less, and it prohibits them from charging cash-paying customers a higher price compared to customers not paying with cash. Businesses covered by this bill are those engaged in the business of selling or offering goods or services at retail to the public that accept in-person payments at a physical location. The bill provides for enforcement through preventative relief, damages, and civil penalties.

Client expense: Not reported · Firm income: $10,000

Government targets: HOUSE OF REPRESENTATIVES

H.R. 4128 - Payment Choice Act of 2023 This bill requires retail businesses to accept cash as a form of payment for on-site sales of $500 or less, and it prohibits them from charging cash-paying customers a higher price compared to customers not paying with cash. Businesses covered by this bill are those engaged in the business of selling or offering goods or services at retail to the public that accept in-person payments at a physical location. The bill provides for enforcement through preventative relief, damages, and civil penalties.

Client expense: Not reported · Firm income: $10,000

Government targets: HOUSE OF REPRESENTATIVES

H.R. 4128 - Payment Choice Act of 2023 This bill requires retail businesses to accept cash as a form of payment for on-site sales of $500 or less, and it prohibits them from charging cash-paying customers a higher price compared to customers not paying with cash. Businesses covered by this bill are those engaged in the business of selling or offering goods or services at retail to the public that accept in-person payments at a physical location. The bill provides for enforcement through preventative relief, damages, and civil penalties.

Client expense: Not reported · Firm income: $10,000

Government targets: HOUSE OF REPRESENTATIVES

Legislative proposal (Luetkemeyer) relating to access to banking services for financial services providers. Federal policy relating to anticipated Consumer Financial Protection Bureau regulation of consumer financial services including payday, auto title lending, and regulatory process. Legislation relating to federal regulation of interest rates on financial products, including: H.J.Res.122 - Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to "Payday, Vehicle Title, and Certain High-Cost Installment Loans", S.J.Res.56 - A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Payday, Vehicle, Title, and Certain High-Cost Installment Loans". Legislative proposals H.R. 3299 Protecting Consumer's Access to Credit Act of 2017" and H.R. 4439 "Modernizing Credit Opportunities Act. Amendment to the House of Representatives National Defense Authorization Act expanding the application of the Consumer Financial Protection Bureau's "Payday, Vehicle Title, and Certain High-Cost Installment Loans"; and S 1230 "Protecting Consumers from Unreasonable Credit Rates Act of 2019." Implementation of CARES Act (PL 116-136), provisions relating to the payroll protection program. HR 5050 - "Veterans and Consumers Fair Credit Act," provisions relating to federal regulation of interest rates on financial products. Legislative proposal H.R. 4128 (Payne) "Payment Choice Act of 2023", to ensure that U.S. currency is treated as legal tender to be accepted as payment for purchases of goods and services. Legislative proposal H.R. 7428 (Steil) "Earned Wage Access Consumer Protection Act", to regulate the business of offering and providing earned wage access services to consumers, and for other purposes. Legislative proposal H.R. 10036 (Barr/Gonzalez) "Civil Investigative Demand Reform Act of 2024", to reform the process and procedure for issuance and prosecution of Civil Investigative Demands by the Consumer Financial Protection Bureau, and for other purposes. Legislative proposal H.R. 1653 (Barr/Gonzalez) "Civil Investigative Demand Reform Act of 2025", to reform the process and procedure for issuance and prosecution of Civil Investigative Demands by the Consumer Financial Protection Bureau, and for other purposes. Geographic Targeting Order (GTO) issued by the Financial Crimes Enforcement Network (FinCEN) ordering Money Services Businesses (MSBs) in border zip codes in TX and CA to file Currency Transaction Reports (CTRs) at $200 level.

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

Government targets: Financial Crimes Enforcement Network (FinCEN), HOUSE OF REPRESENTATIVES, SENATE

Antimicrobial resistance research, infectious disease product R&D regulatory science, unnecessary regulatory burdens placed on medical research; laboratory developed tests; comparative effectiveness research; support for evidence-based decision making; point-of-care diagnostic tests; and organ transplant policies to allow HIV+ to HIV+ organ transplants, Pioneering Antimicrobial Subscriptions to End Upsurging Resistance (PASTEUR Act-S. 2076/H.R. 3932), Verifying Accurate Leading Edge IVCT Development (S. 2209/HR. 4128), PREVENT Pandemics Act, (PASTEUR Act-S.1355 /H.R. 2940), FDA proposed regulations regarding laboratory developed tests, House Energy and Commerce NIH RFI, CURES 2.0 RFI, avian flu outbreak (generally, no specific bill)

Client expense: $247,000 · Firm income: Not reported

Government targets: Agency for Healthcare Research & Quality (AHRQ), Centers For Disease Control & Prevention (CDC), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Health Resources & Services Administration (HRSA), Natl Institutes of Health (NIH), SENATE

Antimicrobial resistance research, infectious disease product R&D regulatory science, unnecessary regulatory burdens placed on medical research; laboratory developed tests; comparative effectiveness research; support for evidence-based decision making; point-of-care diagnostic tests; and organ transplant policies to allow HIV+ to HIV+ organ transplants, Pioneering Antimicrobial Subscriptions to End Upsurging Resistance (PASTEUR Act-S. 2076/H.R. 3932), Verifying Accurate Leading Edge IVCT Development (S. 2209/HR. 4128), PREVENT Pandemics Act, (PASTEUR Act-S.1355 /H.R. 2940), FDA proposed regulations regarding laboratory developed tests, House Energy and Commerce NIH RFI, CURES 2.0 RFI

Client expense: $255,000 · Firm income: Not reported

Government targets: Agency for Healthcare Research & Quality (AHRQ), Centers For Disease Control & Prevention (CDC), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Health Resources & Services Administration (HRSA), Natl Institutes of Health (NIH), SENATE

Support Federal Firefighter Cancer Detection and Prevention Act of 2023 (HR 2852) Support Barbosa Act (S 302) Support with modifications Verifying Accurate Leading-edge IVCT Development Act of 2023 (HR 4128) Support Find It Early Act (HR 3086) Support military colorectal cancer screening parity

Client expense: $470,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to self-service banking technology including H.R. 3398, The Safe Access to Cash Act, and H.R. 4128, S.1984/ The Payment Choice Act.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE