Small Business Financing Disclosure Act of 2023

Transparency in lending for small business loan products (Small Business Financing Disclosure Act H.R.4192/S.2021 (118th Congress); Financial disclosure issues (H.R.976 - 1071 Repeal to Protect Small Business Lending Act)

Client expense: Not reported · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Transparency in lending for small business loan products (Small Business Financing Disclosure Act H.R.4192/S.2021 (118th Congress); Financial disclosure issues (H.R.976 - 1071 Repeal to Protect Small Business Lending Act)

Client expense: Not reported · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Transparency in lending for small business loan products (Small Business Financing Disclosure Act H.R.4192/S.2021 (118th Congress); Financial disclosure issues (H.R.976 - 1071 Repeal to Protect Small Business Lending Act)

Client expense: Not reported · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S. 2021/H.R. 4192 Small Business Financing Disclosure Act of 2023 -This bill would extend the protections in the Truth in Lending Act for consumer lending to small business lending. It would require small business lenders to disclose key information, including the annual percentage rate (APR), when presenting financing options to small businesses, allowing them to have the necessary information to make financial decisions to grow and strengthen their business. S.2482 - Community Advantage Loan Program Act of 2023- This bill would codify the Community Advantage program and ensure that CDFIs and other mission-driven lenders can continue to increase SBA-backed lending to underserved communities and undercapitalized businesses.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Cannabis Banking HR2891 - The Secure and Fair Enforcement (SAFE) Banking Act S1323 - The Secure and Fair Enforcement (SAFE) Banking Act S2860 - The Secure and Fair Enforcement Regulatory (SAFER) Banking Act Bank Regulations Conversations with the House Financial Services Committee and the Senate Banking Committee regarding banking regulations and housing finance reform. Loan Level Pricing Adjustments (LLPAs) HR3564 - Middle Class Borrower Protection Act of 2023 Federal Home Loan Banks S1684 - Federal Home Loan Banks' Mission Implementation Act Trigger Leads HR2656 - Trigger Leads Abatement Act HR4192 - Protecting Consumers from Abusive Mortgage Leads Act S4944 - Access to Homeownership Act HR3418/S1654 - Credit Access and Inclusion Act Commercial Real Estate Conversations with the House and Senate regarding commercial real estate adaptive reuse policy proposals. Communications with the Board of Governors of the Federal Reserve regarding maturing commercial real estate debt. Communications with the National Credit Union Administration (NCUA) regarding maturing commercial real estate debt. Communications with the Federal Deposit Insurance Company (FDIC) regarding maturing commercial real estate debt. Communications with the Office of the Comptroller of the Currency regarding maturing commercial real estate debt. Discussions with the Consumer Financial Protection Bureau (CFPB) regarding assumable mortgages, maturing commercial real estate debt, appraisal independence, appraisal management companies (AMCs), commission financing, credit reports, and reconsideration of value process. Communications with the Federal Housing Finance Agency (FHFA) regarding housing issues, the FHFA pricing change, LLPAs, appraisal issues, condominium rules, commission financing and underwriting, reconsideration of value process, and duty to serve requirements. Communications with and comment letter sent to the Financial Crimes Enforcement Network (FinCEN) regarding anti-money laundering proposals aimed at real estate transactions. Communications with the Federal Housing Administration regarding commission financing and comment letter in response to their draft mortgagee letter updating their 203(k)-renovation loan program . Communications with the Department of Veterans Affairs on commission underwriting, National Association of REALTORS anti-trust commission settlement, buyer financing and broker fees. Communications with Fannie Mae on environmental, social, and governance investing. Comment letter with the Federal Reserve, Federal Deposit Insurance Corporation, and Office of the Comptroller Currency expressing concerns in response to the Basel III Endgame proposal. Communications with the Department of Housing and Urban Development, Office of the Comptroller of the Currency, Federal Housing Finance Administration, National Credit Union Administration, Federal Deposit Insurance Corporation, Federal Reserve Board, Consumer Financial Protection Bureau advocating for solutions to increase diversity, reduce bias, and maintain the public trust in the appraisal industry. Communications with the Federal Housing Administration and Federal Housing Finance Agency regarding the ability of homebuyers to have access to mortgage credit after the National Association of REALTORS anti-trust lawsuit settlement is in effect. Communications with the Federal Housing Administration and Department of Housing and Urban Development on appraisal issues and reconsideration of value process. Communications with the Senate regarding the Access to Homeownership Act (S4944) to require multifamily borrowers with federally backed multifamily mortgage loans to submit positive rental payments to certain consumer reporting agencies and seller finance commissions. Communications with the House of Representatives on foreign ownership and seller finance commissions. Communications with Department of Treasury on foreign ownership.

H.R. 1059 SECURE Notarization Act H.R. 1165 Data Privacy Act of 2023 H.R. 2656 Trigger Leads Abatement Act of 2023 H.R 7297 Homebuyers Privacy Protection Act of 2024 H.R. 4192 Small Business Financing Disclosure Act of 2023 H.R. 4198 Protecting Consumers from Abusive Mortgage Leads Act H.R. 4737 Stop Executive Capture of Banking Regulators Act H.R. 4823 American Financial Institution Regulator Sovereignty and Transparency Act S. 1212SECURE Notarization Act S. 2021Small Business Financing Disclosure Act of 2023 S. 3012 Deposit Security Act S. 3502 Homebuyers Privacy Protection Act H.R. 5648 Community Assistance for Recovery and Empowerment Act H.R. 3464 Affordable Homeownership Access Act H.J. Res. 120 Disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Financial Stability Oversight Council (FSOC) relating to "Guidance on Non-Bank Financial Company Determinations

Client expense: $660,000 · Firm income: Not reported

Issues related to Small Business Administration (SBA) direct lending Issues related to Basel III Endgame rulemaking and its impact on secured finance industry S.2021/H.R.4192 Small Business Financing Disclosure Act

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

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Office of the Comptroller of the Currency (OCC), SENATE

Digital assets, mobile payments, fraud, data security, data storage, open banking, regulatory reform, tax reporting, payments systems, cyber-security, financial services, merchant cash advances, privacy. FinCEN, Harmonizing CIP products; CFPB proposed rule, Registry of Supervised Nonbanks That Use Form Contracts To Impose Terms and Conditions That Seek To Waive or Limit Consumer Legal Protections; CFPB proposed rule, Registry of Nonbank Covered Persons Subject to Certain Agency and Court Orders; White House OSTP RFI, Digital Assets Research and Development. H.R. 1747, "Blockchain Regulatory Certainty Act," H.R. 370, "FinCEN Modernization Act of 2023," H.R. 556, "21st Century Dollar Act," H.R. 8997, "No SmartPay for Anti-2A Companies Act." "H.R. 4192, To apply the Truth in Lending Act to small business financing, and for other purposes," "S. 2021, Small Business Financing Disclosure Act of 2023," "S. 1934, Empowering States' Rights To Protect Consumers Act of 2023," "H.R. 3881, Credit Card Competition Act of 2023," "S. 1838, Credit Card Competition Act of 2023," "S. 1323, SAFE Banking Act of 2023," "H.R. 2891, SAFE Banking Act of 2023." "S. 2281, Lummis-Gillibrand Responsible Financial Innovation Act." "S. 2348,Payments Modernization Act of 2023." "S. 2335, Financial Regulatory Accountability Act of 2023." "S. 2355, Crypto-Asset National Security Enhancement and Enforcement Act of 2023." "H. Res. 604, Expressing support for blockchain technology and digital assets." "H.R. 4766, Clarity for Payment Stablecoins Act of 2023." "H.R. 4763, Financial Innovation and Technology for the 21st Century Act." "S. 2403, Payroll Account Guarantee Act of 2023." "S. 2449, Ensuring Fee-Free Benefit Transactions Act of 2023." "H.R. 4841, Keep Your Coins Act of 2023." "S. 2669, Digital Asset Anti-Money Laundering Act of 2023." "H.R. 5050, Cryptocurrency Accountability Act." "H.R. 5039, Payments Modernization Act of 2023." "H.R. 5032, Cease Orwellian Surveillance and Targeting Act of 2023." "S. 2730, Protecting Consumers from Unreasonable Credit Rates Act of 2023." "S. 2760, Capping Credit Card Interest Rates Act." "H.R. 5403, CBDC Anti-Surveillance State Act." "H.R. 5410, ECASH Act." "H.R. 5447, No Alipay Act of 2023." "H.R. 5472, FinCEN Oversight and Accountability Act of 2023." "H.R. 5485, Financial Privacy Act of 2023." "S. 3538, Close the Shadow Banking Loophole Act." CFPB proposed rule; Section 1033 of Dodd-Frank Act.

S. 2021/H.R. 4192 Small Business Financing Disclosure Act of 2023 -This bill would extend the protections in the Truth in Lending Act for consumer lending to small business lending. It would require small business lenders to disclose key information, including the annual percentage rate (APR), when presenting financing options to small businesses, allowing them to have the necessary information to make financial decisions to grow and strengthen their business. S.2482 - Community Advantage Loan Program Act of 2023- This bill would codify the Community Advantage program and ensure that CDFIs and other mission-driven lenders can continue to increase SBA-backed lending to underserved communities and undercapitalized businesses.

Client expense: Not reported · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 1059 SECURE Notarization Act H.R. 1165 Data Privacy Act of 2023 H.R. 2656 Trigger Leads Abatement Act of 2023 H.R 7297 Homebuyers Privacy Protection Act of 2024 H.R. 4192 Small Business Financing Disclosure Act of 2023 H.R. 4198 Protecting Consumers from Abusive Mortgage Leads Act H.R. 4737 Stop Executive Capture of Banking Regulators Act H.R. 4823 American Financial Institution Regulator Sovereignty and Transparency Act S. 1212 SECURE Notarization Act S. 2021 Small Business Financing Disclosure Act of 2023 S. 3012 Deposit Security Act S. 3502 Homebuyers Privacy Protection Act H.R. 5648 Community Assistance for Recovery and Empowerment Act H.R. 3464 Affordable Homeownership Access Act H.J. Res. 120 Disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Financial Stability Oversight Council (FSOC) relating to "Guidance on Non-Bank Financial Company Determinations Basel endgame rules

Client expense: $500,000 · Firm income: Not reported

Monitored Res. 66, a joint resolution disapproving the rule submitted by the Consumer Financial Protection Bureau relating to Small Business Lending Under the Equal Credit Opportunity Act (Regulation B)," Issues related to Basel III Endgame rulemaking and its impact on secured finance industry S.2021/H.R.4192 Small Business Financing Disclosure Act

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

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Office of the Comptroller of the Currency (OCC), SENATE

Cannabis Banking HR2891 - The Secure and Fair Enforcement (SAFE) Banking Act S1323 - The Secure and Fair Enforcement (SAFE) Banking Act S2860 - The Secure and Fair Enforcement Regulatory (SAFER) Banking Act Bank Regulations Conversations with the House Financial Services Committee and the Senate Banking Committee regarding banking regulations. Loan Level Pricing Adjustments (LLPAs) HR3564 - Middle Class Borrower Protection Act of 2023 Federal Home Loan Banks S1684 - Federal Home Loan Banks' Mission Implementation Act Trigger Leads HR2656 - Trigger Leads Abatement Act HR4192 - Protecting Consumers from Abusive Mortgage Leads Act S4944 - Access to Homeownership Act Commercial Real Estate Conversations with the House and Senate regarding commercial real estate adaptive reuse policy proposals. Communications with the Board of Governors of the Federal Reserve regarding maturing commercial real estate debt. Communications with the National Credit Union Administration (NCUA) regarding maturing commercial real estate debt. Communications with the Federal Deposit Insurance Company (FDIC) regarding maturing commercial real estate debt. Communications with the Office of the Comptroller of the Currency regarding maturing commercial real estate debt. Discussions with the Consumer Financial Protection Bureau (CFPB) regarding assumable mortgages, maturing commercial real estate debt, appraisal independence, appraisal management companies (AMCs), commission financing, credit reports, and reconsideration of value process. Communications with the Federal Housing Finance Agency (FHFA) regarding housing issues, the FHFA pricing change, LLPAs, appraisal issues, condominium rules, commission financing and underwriting, reconsideration of value process, and duty to serve requirements. Communications with and comment letter sent to the Financial Crimes Enforcement Network (FinCEN) regarding anti-money laundering proposals aimed at real estate transactions. Communications with the Federal Housing Administration regarding commission financing and comment letter in response to their draft mortgagee letter updating their 203(k)-renovation loan program . Communications with the Department of Veterans Affairs on commission underwriting, National Association of REALTORS anti-trust commission settlement, buyer financing and broker fees. Communications with Fannie Mae on environmental, social, and governance investing. Comment letter with the Federal Reserve, Federal Deposit Insurance Corporation, and Office of the Comptroller Currency expressing concerns in response to the Basel III Endgame proposal. Communications with the Department of Housing and Urban Development, Office of the Comptroller of the Currency, Federal Housing Finance Administration, National Credit Union Administration, Federal Deposit Insurance Corporation, Federal Reserve Board, Consumer Financial Protection Bureau advocating for solutions to increase diversity, reduce bias, and maintain the public trust in the appraisal industry. Communications with the Federal Housing Administration and Federal Housing Finance Agency regarding the ability of homebuyers to have access to mortgage credit after the National Association of REALTORS anti-trust lawsuit settlement is in effect. Communications with the Federal Housing Administration and Department of Housing and Urban Development on appraisal issues and reconsideration of value process. Communications with the Senate regarding the Access to Homeownership Act (S4944) to require multifamily borrowers with federally backed multifamily mortgage loans to submit positive rental payments to certain consumer reporting agencies. Communications with the House of Representatives and Department of Treasury on foreign ownership.

Digital assets, mobile payments, fraud, data security, data storage, open banking, regulatory reform, tax reporting, payments systems, cyber-security, financial services, merchant cash advances, privacy. FinCEN, Harmonizing CIP products; CFPB proposed rule, Registry of Supervised Nonbanks That Use Form Contracts To Impose Terms and Conditions That Seek To Waive or Limit Consumer Legal Protections; CFPB proposed rule, Registry of Nonbank Covered Persons Subject to Certain Agency and Court Orders; White House OSTP RFI, Digital Assets Research and Development. H.R. 1747, "Blockchain Regulatory Certainty Act," H.R. 370, "FinCEN Modernization Act of 2023," H.R. 556, "21st Century Dollar Act," H.R. 8997, "No SmartPay for Anti-2A Companies Act." "H.R. 4192, To apply the Truth in Lending Act to small business financing, and for other purposes," "S. 2021, Small Business Financing Disclosure Act of 2023," "S. 1934, Empowering States' Rights To Protect Consumers Act of 2023," "H.R. 3881, Credit Card Competition Act of 2023," "S. 1838, Credit Card Competition Act of 2023," "S. 1323, SAFE Banking Act of 2023," "H.R. 2891, SAFE Banking Act of 2023." "S. 2281, Lummis-Gillibrand Responsible Financial Innovation Act." "S. 2348,Payments Modernization Act of 2023." "S. 2335, Financial Regulatory Accountability Act of 2023." "S. 2355, Crypto-Asset National Security Enhancement and Enforcement Act of 2023." "H. Res. 604, Expressing support for blockchain technology and digital assets." "H.R. 4766, Clarity for Payment Stablecoins Act of 2023." "H.R. 4763, Financial Innovation and Technology for the 21st Century Act." "S. 2403, Payroll Account Guarantee Act of 2023." "S. 2449, Ensuring Fee-Free Benefit Transactions Act of 2023." "H.R. 4841, Keep Your Coins Act of 2023." "S. 2669, Digital Asset Anti-Money Laundering Act of 2023." "H.R. 5050, Cryptocurrency Accountability Act." "H.R. 5039, Payments Modernization Act of 2023." "H.R. 5032, Cease Orwellian Surveillance and Targeting Act of 2023." "S. 2730, Protecting Consumers from Unreasonable Credit Rates Act of 2023." "S. 2760, Capping Credit Card Interest Rates Act." "H.R. 5403, CBDC Anti-Surveillance State Act." "H.R. 5410, ECASH Act." "H.R. 5447, No Alipay Act of 2023." "H.R. 5472, FinCEN Oversight and Accountability Act of 2023." "H.R. 5485, Financial Privacy Act of 2023." "S. 3538, Close the Shadow Banking Loophole Act." CFPB proposed rule; Section 1033 of Dodd-Frank Act.

S. 2021/H.R. 4192 Small Business Financing Disclosure Act of 2023 -This bill would extend the protections in the Truth in Lending Act for consumer lending to small business lending. It would require small business lenders to disclose key information, including the annual percentage rate (APR), when presenting financing options to small businesses, allowing them to have the necessary information to make financial decisions to grow and strengthen their business. S.2482 - Community Advantage Loan Program Act of 2023- This bill would codify the Community Advantage program and ensure that CDFIs and other mission-driven lenders can continue to increase SBA-backed lending to underserved communities and undercapitalized businesses.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Cannabis Banking HR2891 - The Secure and Fair Enforcement (SAFE) Banking Act S1323 - The Secure and Fair Enforcement (SAFE) Banking Act S2860 - The Secure and Fair Enforcement Regulatory (SAFER) Banking Act Bank Regulations Conversations with the House Financial Services Committee and the Senate Banking Committee regarding banking regulations. Loan Level Pricing Adjustments (LLPAs) HR3564 - Middle Class Borrower Protection Act of 2023 Federal Home Loan Banks S1684 - Federal Home Loan Banks' Mission Implementation Act Trigger Leads HR2656 - Trigger Leads Abatement Act HR4192 - Protecting Consumers from Abusive Mortgage Leads Act Commercial Real Estate Conversations with the House and Senate regarding commercial real estate adaptive reuse policy proposals. Communications with the Board of Governors of the Federal Reserve regarding maturing commercial real estate debt. Communications with the National Credit Union Administration (NCUA) regarding maturing commercial real estate debt. Communications with the Federal Deposit Insurance Company (FDIC) regarding maturing commercial real estate debt. Communications with the Office of the Comptroller of the Currency regarding maturing commercial real estate debt. Discussions with the Consumer Financial Protection Bureau (CFPB) regarding assumable mortgages, maturing commercial real estate debt, appraisal independence, appraisal management companies (AMCs), commission financing, credit reports, and reconsideration of value process. Communications with the Federal Housing Finance Agency (FHFA) regarding housing issues, the FHFA pricing change, LLPAs, appraisal issues, condominium rules, commission financing, and reconsideration of value process. Communications with and comment letter sent to the Financial Crimes Enforcement Network (FinCEN) regarding anti-money laundering proposals aimed at real estate transactions. Communications with the Federal Housing Administration regarding commission financing and comment letter in response to their draft mortgagee letter updating their 203(k)-renovation loan program . Communications with the Department of Veterans Affairs on commission underwriting, National Association of REALTORS anti-trust commission settlement, buyer financing and broker fees. Communications with Fannie Mae on environmental, social, and governance investing. Comment letter with the Federal Reserve, Federal Deposit Insurance Corporation, and Office of the Comptroller Currency expressing concerns in response to the Basel III Endgame proposal. Communications with the Department of Housing and Urban Development, Office of the Comptroller of the Currency, Federal Housing Finance Administration, National Credit Union Administration, Federal Deposit Insurance Corporation, Federal Reserve Board, Consumer Financial Protection Bureau advocating for solutions to increase diversity, reduce bias, and maintain the public trust in the appraisal industry. Communications with the Federal Housing Administration and Federal Housing Finance Agency regarding the ability of homebuyers to have access to mortgage credit after the National Association of REALTORS anti-trust lawsuit settlement is in effect. Communications with the Federal Housing Administration and Department of Housing and Urban Development on appraisal issues and reconsideration of value process.

Monitored Res. 66, a joint resolution disapproving the rule submitted by the Consumer Financial Protection Bureau relating to Small Business Lending Under the Equal Credit Opportunity Act (Regulation B)," Issues related to Basel III Endgame rulemaking and its impact on secured finance industry S.2021/H.R.4192 Small Business Financing Disclosure Act

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

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Office of the Comptroller of the Currency (OCC), SENATE

H.R. 1059 SECURE Notarization Act H.R. 1165 Data Privacy Act of 2023 H.R. 2656 Trigger Leads Abatement Act of 2023 H.R 7297 Homebuyers Privacy Protection Act of 2024 H.R. 4192 Small Business Financing Disclosure Act of 2023 H.R. 4198 Protecting Consumers from Abusive Mortgage Leads Act H.R. 4737 Stop Executive Capture of Banking Regulators Act H.R. 4823 American Financial Institution Regulator Sovereignty and Transparency Act S. 1212 SECURE Notarization Act S. 2021 Small Business Financing Disclosure Act of 2023 S. 3012 Deposit Security Act S. 3502 Homebuyers Privacy Protection Act H.R. 5648 Community Assistance for Recovery and Empowerment Act H.R. 3464 Affordable Homeownership Access Act H.J. Res. 120 Disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Financial Stability Oversight Council (FSOC) relating to "Guidance on Non-Bank Financial Company Determinations Basel endgame rules

Client expense: $900,000 · Firm income: Not reported

Digital assets, mobile payments, fraud, data security, data storage, open banking, regulatory reform, tax reporting, payments systems, cyber-security, financial services, merchant cash advances, privacy. FinCEN, Harmonizing CIP products; CFPB proposed rule, Registry of Supervised Nonbanks That Use Form Contracts To Impose Terms and Conditions That Seek To Waive or Limit Consumer Legal Protections; CFPB proposed rule, Registry of Nonbank Covered Persons Subject to Certain Agency and Court Orders; White House OSTP RFI, Digital Assets Research and Development. H.R. 1747, "Blockchain Regulatory Certainty Act," H.R. 370, "FinCEN Modernization Act of 2023," H.R. 556, "21st Century Dollar Act," H.R. 8997, "No SmartPay for Anti-2A Companies Act." "H.R. 4192, To apply the Truth in Lending Act to small business financing, and for other purposes," "S. 2021, Small Business Financing Disclosure Act of 2023," "S. 1934, Empowering States' Rights To Protect Consumers Act of 2023," "H.R. 3881, Credit Card Competition Act of 2023," "S. 1838, Credit Card Competition Act of 2023," "S. 1323, SAFE Banking Act of 2023," "H.R. 2891, SAFE Banking Act of 2023." "S. 2281, Lummis-Gillibrand Responsible Financial Innovation Act." "S. 2348,Payments Modernization Act of 2023." "S. 2335, Financial Regulatory Accountability Act of 2023." "S. 2355, Crypto-Asset National Security Enhancement and Enforcement Act of 2023." "H. Res. 604, Expressing support for blockchain technology and digital assets." "H.R. 4766, Clarity for Payment Stablecoins Act of 2023." "H.R. 4763, Financial Innovation and Technology for the 21st Century Act." "S. 2403, Payroll Account Guarantee Act of 2023." "S. 2449, Ensuring Fee-Free Benefit Transactions Act of 2023." "H.R. 4841, Keep Your Coins Act of 2023." "S. 2669, Digital Asset Anti-Money Laundering Act of 2023." "H.R. 5050, Cryptocurrency Accountability Act." "H.R. 5039, Payments Modernization Act of 2023." "H.R. 5032, Cease Orwellian Surveillance and Targeting Act of 2023." "S. 2730, Protecting Consumers from Unreasonable Credit Rates Act of 2023." "S. 2760, Capping Credit Card Interest Rates Act." "H.R. 5403, CBDC Anti-Surveillance State Act." "H.R. 5410, ECASH Act." "H.R. 5447, No Alipay Act of 2023." "H.R. 5472, FinCEN Oversight and Accountability Act of 2023." "H.R. 5485, Financial Privacy Act of 2023." "S. 3538, Close the Shadow Banking Loophole Act." CFPB proposed rule; Section 1033 of Dodd-Frank Act.

S. 2021/H.R. 4192 Small Business Financing Disclosure Act of 2023 -This bill would extend the protections in the Truth in Lending Act for consumer lending to small business lending. It would require small business lenders to disclose key information, including the annual percentage rate (APR), when presenting financing options to small businesses, allowing them to have the necessary information to make financial decisions to grow and strengthen their business. S.2482 - Community Advantage Loan Program Act of 2023- This bill would codify the Community Advantage program and ensure that CDFIs and other mission-driven lenders can continue to increase SBA-backed lending to underserved communities and undercapitalized businesses.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 1059 SECURE Notarization Act H.R. 1165 Data Privacy Act of 2023 H.R. 2656 Trigger Leads Abatement Act of 2023 H.R 7297 Homebuyers Privacy Protection Act of 2024 H.R. 4192 Small Business Financing Disclosure Act of 2023 H.R. 4198 Protecting Consumers from Abusive Mortgage Leads Act H.R. 4737 Stop Executive Capture of Banking Regulators Act H.R. 4823 American Financial Institution Regulator Sovereignty and Transparency Act S. 1212 SECURE Notarization Act S. 2021 Small Business Financing Disclosure Act of 2023 S. 3012 Deposit Security Act S. 3502 Homebuyers Privacy Protection Act H.R. 5648 Community Assistance for Recovery and Empowerment Act H.R. 3464 Affordable Homeownership Access Act H.J. Res. 120 Disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Financial Stability Oversight Council (FSOC) relating to "Guidance on Non-Bank Financial Company Determinations Basel endgame rules FSOC Designation framework and process

Client expense: $940,000 · Firm income: Not reported

Cannabis Banking HR2891 - The Secure and Fair Enforcement (SAFE) Banking Act S1323 - The Secure and Fair Enforcement (SAFE) Banking Act S2860 - The Secure and Fair Enforcement Regulatory (SAFER) Banking Act Bank Regulations Conversations with the House Financial Services Committee and the Senate Banking Committee regarding banking regulations. Loan Level Pricing Adjustments (LLPAs) HR3564 - Middle Class Borrower Protection Act of 2023 Federal Home Loan Banks S1684 - Federal Home Loan Banks' Mission Implementation Act Trigger Leads HR2656 - Trigger Leads Abatement Act HR4192 - Protecting Consumers from Abusive Mortgage Leads Act Commercial Real Estate Conversations with the House and Senate regarding commercial real estate adaptive reuse policy proposals. Communications with the Board of Governors of the Federal Reserve regarding maturing commercial real estate debt. Communications with the National Credit Union Administration (NCUA) regarding maturing commercial real estate debt. Communications with the Federal Deposit Insurance Company (FDIC) regarding maturing commercial real estate debt. Communications with the Office of the Comptroller of the Currency regarding maturing commercial real estate debt. Discussions with the Consumer Financial Protection Bureau (CFPB) regarding assumable mortgages, maturing commercial real estate debt, appraisal independence, appraisal management companies (AMCs), commission financing, and credit reports. Communications with the Federal Housing Finance Agency (FHFA) regarding housing issues, the FHFA pricing change, LLPAs, appraisal issues, condominium rules, and commission financing. Conversations with the Financial Crimes Enforcement Network (FinCEN) regarding anti-money laundering proposals aimed at real estate transactions. Communications with the Federal Housing Administration regarding commission financing and comment letter in response to their draft mortgagee letter updating their 203(k)-renovation loan program . Communications with the Department of Veterans Affairs on commission underwriting. Communications with Fannie Mae on environmental, social, and governance investing. Comment letter with the Federal Reserve, Federal Deposit Insurance Corporation, and Office of the Comptroller Currency expressing concerns in response to the Basel III Endgame proposal. Communications with the Department of Housing and Urban Development, Office of the Comptroller of the Currency, Federal Housing Finance Administration, National Credit Union Administration, Federal Deposit Insurance Corporation, Federal Reserve Board, Consumer Financial Protection Bureau advocating for solutions to increase diversity, reduce bias, and maintain the public trust in the appraisal industry. Communications with the Federal Housing Administration and Federal Housing Finance Agency regarding the ability of homebuyers to have access to mortgage credit after the National Association of REALTORS proposed anti-trust lawsuit settlement is in effect.

Monitored Res. 66, a joint resolution disapproving the rule submitted by the Consumer Financial Protection Bureau relating to Small Business Lending Under the Equal Credit Opportunity Act (Regulation B)," Issues related to Basel III Endgame rulemaking and its impact on secured finance industry S.2021/H.R.4192 Small Business Financing Disclosure Act

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

Government targets: Federal Deposit Insurance Corporation (FDIC), HOUSE OF REPRESENTATIVES, Office of the Comptroller of the Currency (OCC), SENATE

Digital assets, mobile payments, fraud, data security, data storage, open banking, regulatory reform, tax reporting, payments systems, cyber-security, financial services, merchant cash advances, privacy. FinCEN, Harmonizing CIP products; CFPB proposed rule, Registry of Supervised Nonbanks That Use Form Contracts To Impose Terms and Conditions That Seek To Waive or Limit Consumer Legal Protections; CFPB proposed rule, Registry of Nonbank Covered Persons Subject to Certain Agency and Court Orders; White House OSTP RFI, Digital Assets Research and Development. H.R. 1747, "Blockchain Regulatory Certainty Act," H.R. 370, "FinCEN Modernization Act of 2023," H.R. 556, "21st Century Dollar Act," H.R. 8997, "No SmartPay for Anti-2A Companies Act." "H.R. 4192, To apply the Truth in Lending Act to small business financing, and for other purposes," "S. 2021, Small Business Financing Disclosure Act of 2023," "S. 1934, Empowering States' Rights To Protect Consumers Act of 2023," "H.R. 3881, Credit Card Competition Act of 2023," "S. 1838, Credit Card Competition Act of 2023," "S. 1323, SAFE Banking Act of 2023," "H.R. 2891, SAFE Banking Act of 2023." "S. 2281, Lummis-Gillibrand Responsible Financial Innovation Act." "S. 2348,Payments Modernization Act of 2023." "S. 2335, Financial Regulatory Accountability Act of 2023." "S. 2355, Crypto-Asset National Security Enhancement and Enforcement Act of 2023." "H. Res. 604, Expressing support for blockchain technology and digital assets." "H.R. 4766, Clarity for Payment Stablecoins Act of 2023." "H.R. 4763, Financial Innovation and Technology for the 21st Century Act." "S. 2403, Payroll Account Guarantee Act of 2023." "S. 2449, Ensuring Fee-Free Benefit Transactions Act of 2023." "H.R. 4841, Keep Your Coins Act of 2023." "S. 2669, Digital Asset Anti-Money Laundering Act of 2023." "H.R. 5050, Cryptocurrency Accountability Act." "H.R. 5039, Payments Modernization Act of 2023." "H.R. 5032, Cease Orwellian Surveillance and Targeting Act of 2023." "S. 2730, Protecting Consumers from Unreasonable Credit Rates Act of 2023." "S. 2760, Capping Credit Card Interest Rates Act." "H.R. 5403, CBDC Anti-Surveillance State Act." "H.R. 5410, ECASH Act." "H.R. 5447, No Alipay Act of 2023." "H.R. 5472, FinCEN Oversight and Accountability Act of 2023." "H.R. 5485, Financial Privacy Act of 2023." "S. 3538, Close the Shadow Banking Loophole Act." CFPB proposed rule; Section 1033 of Dodd-Frank Act.

S. 2021/H.R. 4192 Small Business Financing Disclosure Act of 2023 -This bill would extend the protections in the Truth in Lending Act for consumer lending to small business lending. It would require small business lenders to disclose key information, including the annual percentage rate (APR), when presenting financing options to small businesses, allowing them to have the necessary information to make financial decisions to grow and strengthen their business. S.2482 - Community Advantage Loan Program Act of 2023- This bill would codify the Community Advantage program and ensure that CDFIs and other mission-driven lenders can continue to increase SBA-backed lending to underserved communities and undercapitalized businesses.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Monitored Res. 66, a joint resolution disapproving the rule submitted by the Consumer Financial Protection Bureau relating to Small Business Lending Under the Equal Credit Opportunity Act (Regulation B)," Issues related to Basel III Endgame rulemaking and its impact on secured finance industry S.2021/H.R.4192 Small Business Financing Disclosure Act

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

Government targets: Federal Deposit Insurance Corporation (FDIC), HOUSE OF REPRESENTATIVES, Office of the Comptroller of the Currency (OCC), SENATE

Cannabis Banking HR2891 - The Secure and Fair Enforcement (SAFE) Banking Act S1323 - The Secure and Fair Enforcement (SAFE) Banking Act S2860 - The Secure and Fair Enforcement Regulatory (SAFER) Banking Act Bank Regulations Conversations with the House Financial Services Committee and the Senate Banking Committee regarding banking regulations. Loan Level Pricing Adjustments (LLPAs) HR3564 - Middle Class Borrower Protection Act of 2023 Federal Home Loan Banks S1684 - Federal Home Loan Banks' Mission Implementation Act Trigger Leads HR2656 - Trigger Leads Abatement Act HR4192 - Protecting Consumers from Abusive Mortgage Leads Act Commercial Real Estate Conversations with the House and Senate regarding commercial real estate adaptive reuse policy proposals. Communications with the Board of Governors of the Federal Reserve regarding maturing commercial real estate debt. Communications with the National Credit Union Administration (NCUA) regarding maturing commercial real estate debt. Communications with the Federal Deposit Insurance Company (FDIC) regarding maturing commercial real estate debt. Communications with the Office of the Comptroller of the Currency regarding maturing commercial real estate debt. Discussions with the Consumer Financial Protection Bureau (CFPB) regarding assumable mortgages, maturing commercial real estate debt, appraisal independence, appraisal management companies (AMCs), commission financing, and credit reports. Communications with the Federal Housing Finance Agency (FHFA) regarding housing issues, the FHFA pricing change, LLPAs, appraisal issues, condominium rules, and commission financing. Conversations with the Financial Crimes Enforcement Network (FinCEN) regarding anti-money laundering proposals aimed at real estate transactions. Communications with the Federal Housing Administration regarding commission financing.

H.R. 1059 SECURE Notarization Act H.R. 1165 Data Privacy Act of 2023 H.R. 2656 Trigger Leads Abatement Act of 2023 H.R. 4192 Small Business Financing Disclosure Act of 2023 H.R. 4198 Protecting Consumers from Abusive Mortgage Leads Act H.R. 4737 Stop Executive Capture of Banking Regulators Act H.R. 4823 American Financial Institution Regulator Sovereignty and Transparency Act S. 1212 SECURE Notarization Act S. 2021 Small Business Financing Disclosure Act of 2023 S. 3012 Deposit Security Act S. 3502Homebuyers Privacy Protection Act Basel endgame rules FSOC Designation framework and process

Client expense: $400,000 · Firm income: Not reported

Digital assets, mobile payments, fraud, data security, data storage, open banking, regulatory reform, tax reporting, payments systems, cyber-security, financial services, merchant cash advances, privacy. FinCEN, Harmonizing CIP products; CFPB proposed rule, Registry of Supervised Nonbanks That Use Form Contracts To Impose Terms and Conditions That Seek To Waive or Limit Consumer Legal Protections; CFPB proposed rule, Registry of Nonbank Covered Persons Subject to Certain Agency and Court Orders; White House OSTP RFI, Digital Assets Research and Development. H.R. 1747, "Blockchain Regulatory Certainty Act," H.R. 370, "FinCEN Modernization Act of 2023," H.R. 556, "21st Century Dollar Act," H.R. 8997, "No SmartPay for Anti-2A Companies Act." "H.R. 4192, To apply the Truth in Lending Act to small business financing, and for other purposes," "S. 2021, Small Business Financing Disclosure Act of 2023," "S. 1934, Empowering States' Rights To Protect Consumers Act of 2023," "H.R. 3881, Credit Card Competition Act of 2023," "S. 1838, Credit Card Competition Act of 2023," "S. 1323, SAFE Banking Act of 2023," "H.R. 2891, SAFE Banking Act of 2023." "S. 2281, Lummis-Gillibrand Responsible Financial Innovation Act." "S. 2348,Payments Modernization Act of 2023." "S. 2335, Financial Regulatory Accountability Act of 2023." "S. 2355, Crypto-Asset National Security Enhancement and Enforcement Act of 2023." "H. Res. 604, Expressing support for blockchain technology and digital assets." "H.R. 4766, Clarity for Payment Stablecoins Act of 2023." "H.R. 4763, Financial Innovation and Technology for the 21st Century Act." "S. 2403, Payroll Account Guarantee Act of 2023." "S. 2449, Ensuring Fee-Free Benefit Transactions Act of 2023." "H.R. 4841, Keep Your Coins Act of 2023." "S. 2669, Digital Asset Anti-Money Laundering Act of 2023." "H.R. 5050, Cryptocurrency Accountability Act." "H.R. 5039, Payments Modernization Act of 2023." "H.R. 5032, Cease Orwellian Surveillance and Targeting Act of 2023." "S. 2730, Protecting Consumers from Unreasonable Credit Rates Act of 2023." "S. 2760, Capping Credit Card Interest Rates Act." "H.R. 5403, CBDC Anti-Surveillance State Act." "H.R. 5410, ECASH Act." "H.R. 5447, No Alipay Act of 2023." "H.R. 5472, FinCEN Oversight and Accountability Act of 2023." "H.R. 5485, Financial Privacy Act of 2023." "S. 3538, Close the Shadow Banking Loophole Act." CFPB proposed rule; Section 1033 of Dodd-Frank Act.

Cannabis Banking HR2891 - The Secure and Fair Enforcement (SAFE) Banking Act S1323 - The Secure and Fair Enforcement (SAFE) Banking Act S2860 - The Secure and Fair Enforcement Regulatory (SAFER) Banking Act Bank Regulations Conversations with the House Financial Services Committee and the Senate Banking Committee regarding banking regulations. Loan Level Pricing Adjustments (LLPAs) HR3564 - Middle Class Borrower Protection Act of 2023 Federal Home Loan Banks S1684 - Federal Home Loan Banks' Mission Implementation Act Trigger Leads HR2656 - Trigger Leads Abatement Act HR4192 - Protecting Consumers from Abusive Mortgage Leads Act Commercial Real Estate Conversations with the House and Senate regarding commercial real estate adaptive reuse policy proposals. Communications with the Board of Governors of the Federal Reserve regarding maturing commercial real estate debt. Communications with the National Credit Union Administration (NCUA) regarding maturing commercial real estate debt. Communications with the Federal Deposit Insurance Company (FDIC) regarding maturing commercial real estate debt. Communications with the Office of the Comptroller of the Currency regarding maturing commercial real estate debt. Discussions with the Consumer Financial Protection Bureau (CFPB) regarding assumable mortgages, maturing commercial real estate debt, appraisal independence, appraisal management companies (AMCs). Communications with the Federal Housing Finance Agency (FHFA) regarding housing issues, the FHFA pricing change, LLPAs, appraisal issues, and condominium rules. Conversations with the Financial Crimes Enforcement Network (FinCEN) regarding anti-money laundering proposals aimed at real estate transactions.

Client expense: $10,360,000 · Firm income: Not reported

S. 2021/H.R. 4192 Small Business Financing Disclosure Act of 2023 -This bill would extend the protections in the Truth in Lending Act for consumer lending to small business lending. It would require small business lenders to disclose key information, including the annual percentage rate (APR), when presenting financing options to small businesses, allowing them to have the necessary information to make financial decisions to grow and strengthen their business. S.2482 - Community Advantage Loan Program Act of 2023- This bill would codify the Community Advantage program and ensure that CDFIs and other mission-driven lenders can continue to increase SBA-backed lending to underserved communities and undercapitalized businesses.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Cannabis Banking HR2891 - The Secure and Fair Enforcement (SAFE) Banking Act S1323 - The Secure and Fair Enforcement (SAFE) Banking Act S2860 - The Secure and Fair Enforcement Regulatory (SAFER) Banking Act Bank Regulations Conversations with the House Financial Services Committee and the Senate Banking Committee regarding banking regulations. Loan Level Pricing Adjustments (LLPAs) HR3564 - Middle Class Borrower Protection Act of 2023 Federal Home Loan Banks S1684 - Federal Home Loan Banks' Mission Implementation Act Trigger Leads HR2656 - Trigger Leads Abatement Act HR4192 - Protecting Consumers from Abusive Mortgage Leads Act Commercial Real Estate Conversations with the House and Senate regarding commercial real estate adaptive reuse policy proposals. Communications with the Board of Governors of the Federal Reserve regarding maturing commercial real estate debt. Communications with the National Credit Union Administration (NCUA) regarding maturing commercial real estate debt. Communications with the Federal Deposit Insurance Company (FDIC) regarding maturing commercial real estate debt. Communications with the Office of the Comptroller of the Currency regarding maturing commercial real estate debt. Discussions with the Consumer Financial Protection Bureau (CFPB) regarding assumable mortgages, maturing commercial real estate debt, appraisal independence, appraisal management companies (AMCs). Communications with the Federal Housing Finance Agency (FHFA) regarding housing issues, the FHFA pricing change, LLPAs, appraisal issues, and condominium rules. Conversations with the Financial Crimes Enforcement Network (FinCEN) regarding anti-money laundering proposals aimed at real estate transactions.

Client expense: $10,360,000 · Firm income: Not reported

H.R. 1059 SECURE Notarization Act H.R. 1165 Data Privacy Act of 2023 H.R. 2656 Trigger Leads Abatement Act of 2023 H.R. 4192 Small Business Financing Disclosure Act of 2023 H.R. 4198 Protecting Consumers from Abusive Mortgage Leads Act H.R. 4737 Stop Executive Capture of Banking Regulators Act H.R. 4823 American Financial Institution Regulator Sovereignty and Transparency Act S. 1212 SECURE Notarization Act S. 2021 Small Business Financing Disclosure Act of 2023 S. 3012 Deposit Security Act Basel endgame rules FSOC Designation framework and process

Client expense: $560,000 · Firm income: Not reported

Government targets: Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE, Treasury, Dept of

Monitored Res. 66, a joint resolution disapproving the rule submitted by the Consumer Financial Protection Bureau relating to Small Business Lending Under the Equal Credit Opportunity Act (Regulation B)," S.2021/H.R.4192 Small Business Financing Disclosure Act

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Digital assets, mobile payments, fraud, data security, data storage, open banking, regulatory reform, tax reporting, payments systems, cyber-security, financial services, merchant cash advances, privacy. FinCEN, Harmonizing CIP products; CFPB proposed rule, Registry of Supervised Nonbanks That Use Form Contracts To Impose Terms and Conditions That Seek To Waive or Limit Consumer Legal Protections; CFPB proposed rule, Registry of Nonbank Covered Persons Subject to Certain Agency and Court Orders; White House OSTP RFI, Digital Assets Research and Development. H.R. 1747, "Blockchain Regulatory Certainty Act," H.R. 370, "FinCEN Modernization Act of 2023," H.R. 556, "21st Century Dollar Act," H.R. 8997, "No SmartPay for Anti-2A Companies Act." "H.R. 4192, To apply the Truth in Lending Act to small business financing, and for other purposes," "S. 2021, Small Business Financing Disclosure Act of 2023," "S. 1934, Empowering States' Rights To Protect Consumers Act of 2023," "H.R. 3881, Credit Card Competition Act of 2023," "S. 1838, Credit Card Competition Act of 2023," "S. 1323, SAFE Banking Act of 2023," "H.R. 2891, SAFE Banking Act of 2023." "S. 2281, Lummis-Gillibrand Responsible Financial Innovation Act." "S. 2348,Payments Modernization Act of 2023." "S. 2335, Financial Regulatory Accountability Act of 2023." "S. 2355, Crypto-Asset National Security Enhancement and Enforcement Act of 2023." "H. Res. 604, Expressing support for blockchain technology and digital assets." "H.R. 4766, Clarity for Payment Stablecoins Act of 2023." "H.R. 4763, Financial Innovation and Technology for the 21st Century Act." "S. 2403, Payroll Account Guarantee Act of 2023." "S. 2449, Ensuring Fee-Free Benefit Transactions Act of 2023." "H.R. 4841, Keep Your Coins Act of 2023." "S. 2669, Digital Asset Anti-Money Laundering Act of 2023." "H.R. 5050, Cryptocurrency Accountability Act." "H.R. 5039, Payments Modernization Act of 2023." "H.R. 5032, Cease Orwellian Surveillance and Targeting Act of 2023." "S. 2730, Protecting Consumers from Unreasonable Credit Rates Act of 2023." "S. 2760, Capping Credit Card Interest Rates Act." "H.R. 5403, CBDC Anti-Surveillance State Act." "H.R. 5410, ECASH Act." "H.R. 5447, No Alipay Act of 2023." "H.R. 5472, FinCEN Oversight and Accountability Act of 2023." "H.R. 5485, Financial Privacy Act of 2023."

S. 2021/H.R. 4192 Small Business Financing Disclosure Act of 2023 -This bill would extend the protections in the Truth in Lending Act for consumer lending to small business lending. It would require small business lenders to disclose key information, including the annual percentage rate (APR), when presenting financing options to small businesses, allowing them to have the necessary information to make financial decisions to grow and strengthen their business.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 1059 SECURE Notarization Act H.R. 1165 Data Privacy Act of 2023 H.R. 2656 Trigger Leads Abatement Act of 2023 H.R. 4192 Small Business Financing Disclosure Act of 2023 H.R. 4198 Protecting Consumers from Abusive Mortgage Leads Act S. 1212 SECURE Notarization Act S. 2021 Small Business Financing Disclosure Act of 2023 Bank regulation, including capital and liquidity standards, FDIC insurance coverage, FSOC and financial stability issues, appraisal matters, and fair lending.

Client expense: $870,000 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

Digital assets, mobile payments, fraud, data security, data storage, open banking, regulatory reform, tax reporting, payments systems, cyber-security, financial services, merchant cash advances, privacy. FinCEN, Harmonizing CIP products; CFPB proposed rule, Registry of Supervised Nonbanks That Use Form Contracts To Impose Terms and Conditions That Seek To Waive or Limit Consumer Legal Protections; CFPB proposed rule, Registry of Nonbank Covered Persons Subject to Certain Agency and Court Orders; White House OSTP RFI, Digital Assets Research and Development. H.R. 1747, "Blockchain Regulatory Certainty Act," H.R. 370, "FinCEN Modernization Act of 2023," H.R. 556, "21st Century Dollar Act," H.R. 8997, "No SmartPay for Anti-2A Companies Act." "H.R. 4192, To apply the Truth in Lending Act to small business financing, and for other purposes," "S. 2021, Small Business Financing Disclosure Act of 2023," "S. 1934, Empowering States' Rights To Protect Consumers Act of 2023," "H.R. 3881, Credit Card Competition Act of 2023," "S. 1838, Credit Card Competition Act of 2023," "S. 1323, SAFE Banking Act of 2023," "H.R. 2891, SAFE Banking Act of 2023."

Client expense: $410,000 · Firm income: Not reported