Protecting Consumers from Abusive Mortgage Leads Act

No bill number; HUD regulation on Minimum Energy Standards for FHA and USDA loans HR 4198 - Protecting Consumers from Abusive Mortgage Leads Act S. 2417 Credit Access and Inclusion Act S. 5027/H.R. 990; Renewing Opportunity in the American Dream to Housing Act

Client expense: $206,250 · Firm income: Not reported

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

HUD Regulation on Minimum Efficiency Standards for HA and USDA Loans S. 5027/HR990 - Renewing Opportunity in the American Dream to Housing Act S 1688 YIMBY ACT HR 4198 Protecting Consumers from Abusive Mortgage Leads Act No bill number; Housing supply shortages - effects of tariffs

Client expense: $206,250 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE, White House Office

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

Government targets: Consumer Financial Protection Bureau (CFPB), Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

Issues related to the Fair Credit Reporting Act, regulation of consumer reporting bureaus, data breach notification and privacy, and financial services provisions of the House 2024 NDAA bill. Issues related to H.R. 4198

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 3418, S. 1654 - Credit Access and Inclusion Act: Provisions pertaining to consumer credit, alternative data and financial inclusion. S. 3502 - Homebuyers Privacy Protection Act: Provisions pertaining to trigger leads for residential mortgages. H.R. 4198 - Protecting Consumers from Abusive Mortgage Leads Act; S. 1327 - Consumer Credit Control Act of 2023: Provisions pertaining to use of mortgage triggers. H.R. 2656 - Trigger Leads Abatement Act of 2023: Provisions pertaining to trigger leads for credit reporting agencies. S. 4455 - Fair Credit for American Hostages Act: Provisions pertaining to freezing credit reports of American hostages. S. 4916 - Credit Freeze for Newborns Act: Provisions pertaining to freezing consumer credit reports. S. 1316, H.R. 1521 - Servicemembers Credit Monitoring Enhancement Act: Provisions pertaining to credit monitoring for servicemembers. Issues pertaining to CFPB Data Broker rulemaking, credit header data, and medical debt. Issues related to rent reporting on a consumer's credit report. Issues related to consumers in federal disaster zones freezing their credit. Issues related to the Fair Credit Reporting Act and Data Broker Practices. Issues related to credit builder products.

Client expense: $550,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Bank On Certification Program Central Bank Digital Currency Cryptocurrency Deposit Insurance Reform Digital Assets Bank Capital Requirements/Basel Capital Proposal Postal Banking S.1323 & H.R.2891, Secure and Fair Enforcement (SAFE) Banking Act of 2023 H.R.4177 & S.2007, Improving Corporate Governance Through Diversity Act of 2023 H.R.2547, Comprehensive Debt Collection Improvement Act S.3937 & H.R.758, Promoting Access to Capital in Underbanked Communities Act of 2023 H.R. 1533 & S. 2252, Promoting New and Diverse Depository Institutions Act Emergency Capital Investment Issues for CDFI and MDI Institutions H.R.7351, To amend the Consumer Financial Protection Act of 2010 to provide for the supervision of non-depository persons offering or making small business loans, and for other purposes S. 2677, Stop Overdraft Profiteering Act of 2021 S. 4356, Responsible Financial Innovation Act The impact of Environmental, Social and Governance guidance and regulatory proposals on banking UDAAP Supervisory Policies and Adjudication Procedures Community Reinvestment Act Final Rule Applying Community Reinvestment Act to credit unions S.1838 & H.R.3881 Credit Card Competition Act of 2023 S.4760, Digital Commodities Consumer Protection Act of 2022 Merchant Category Codes S.1790, Failed Bank Executives Clawback Act S.293 & H.R.2743, Fair Access to Banking Act H.R.2799, Expanding Access to Capital Act of 2023 H.R.2603, To require the Securities and Exchange Commission to revise certain thresholds related to smaller reporting companies, accelerated filers, and large accelerated filers, and for other purposes H.R.2798, Consumer Financial Protection Bureau Transparency and Accountability Reform Act H.R.1382, TABS Act of 2023 H.R.1411, Consumer Financial Protection Bureau-Inspector General Reform Act H.R.2489, the Consumer Financial Protection Bureau Dual Mandate and Economic Analysis Act H.R.1313, the Transparency in Consumer Financial Protection Bureau Cost-Benefit Analysis Act H.R.1719, Making the Consumer Financial Protection Bureau Accountable to Small Business Act S.1362, the Transparency in Consumer Financial Protection Bureau Cost-Benefit Analysis Act H.R.490, Federal Infrastructure Bank Act of 2023 H.R.4868, Member Business Loan Expansion Act H.R.4035, Protecting Small Business Information Act of 2023 S.2760, Capping Credit Card Interest Rates Act H.R.5485, Financial Privacy Act of 2023 H.R.5524, Foreign Affiliate Sharing Pilot Program H.R.5403, Central Bank Digital Currency Anti-Surveillance Act H.R.5741, Uniform Treatment of Custodial Assets Act S.2860, Secure and Fair Enforcement Regulation (SAFER) Banking Act H.R.4763, Financial Innovation and Technology for the 21st Century Act H.R.4766, Clarity for Payment Stablecoins Act of 2023 S.2190, Recovering Executive Compensation Obtained Through Unaccountable Practices (RECOUP) Act of 2023 S.2251, Federal Information Security Modernization Act H.R.3398, Safe Access to Cash Act of 2023 S.3549, the Predatory Lending Elimination Act H.R.6789, Rectifying UDAAP Act H.R.1810, Bank Loan Privacy Act H.R.1806/S.1159, Small Lender Act H.R.4346, Small Bank Holding Company Relief Act of 2023 H.R.4198, Protecting Consumers from Abusive Mortgage Leads Act Regulation II: Debit Card Interchange Fees and Routing Implementation of Dodd-Frank Act Section 1033: Final Rule on Personal Financial Data Rights Merger and Acquisition Policy S.3554, Financial Artificial Intelligence Risk Reduction Act Artificial Intelligence Risk Management, Regulation, and Innovation CDFI Certification Update H.R.7531 & S.4570, Secure Payments Act of 2024 H.R.7437, Fostering Use of Technology to Uphold Regulatory Effectiveness in Supervision Act (FUTURES Act) H.R.4206, Bank Safety Act H.J.Res.122 & S.J.Res.70, Providing for Congressional disapproval under Chapter 8 of Title 5, U.S. Code, of the rule submitted by the Consumer Financial Protection Bureau related to Credit Card Penalty Fees (Reg Z) Notice of Proposed Rulemaking for Debit Card Interchange Fees and Routing (Reg II) Department of Labor Fiduciary Rule H.J.Res.140, 141, 142, and 143-Congressional Review Act Resolutions of Disapproval of the Department of Labor Fiduciary Rule S.J.Res.79, Congressional Review Act Resolution of Disapproval of the Department of Labor Fiduciary Rule Federal Reserve Discount Window and Emergency Lending Authority Guidelines for Establishing Standards for Corporate Governance and Risk Management for Covered Institutions with Total Consolidated Assets of $10 Billion or More CFPB Larger Participant of a Market for General-Use Digital Consumer Payment Applications H.R.8337, Bank Resilience and Regulatory Improvement Act H.R.8338, Clarity in Lending Act H.R.8288, Bringing the Discount Window into the 21st Century Act H.R.8287, Stress Testing Accountability and Transparency Act H.R.8264, Bank Supervision Appeals Improvement Act of 2024 H.R.8356, Small Dollar Loan Certainty Act H.R.7403, Bank Failure Prevention Act of 2024H.R.7437, Fostering the Use of Technology to Uphold Regulatory Effectiveness in Supervision (FUTURES) Act H.R.4206, Bank Safety Act Tokenization of Assets Fraud Issues Peer-To-Peer Payment Fraud FDIC Proposed Guidelines for Corporate Governance and Risk Management for Banks Over $10 Billion in Assets Pilot program allowing Freddie Mac to purchase single family closed-end second mortgages National Bank Act & Defending Dual Banking System S. 4943/H.R. 9303 Protecting Consumers From Payment Scams Act Financial Data Transparency Act Rulemaking FDIC Brokered Deposit Proposal H.R.7420 Ensuring Diversity in Community Banking Act CFPB Overdraft Rule H.R. 4212/S. 1938, Middle Class Mortgage Insurance Premium Act

Client expense: $1,570,000 · Firm income: Not reported

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

H.R.4198, Protecting Consumers from Abusive Mortgage Leads Act S.3502 & H.R.7297, Homebuyers Privacy Protection Act H.R.2656, Trigger Leads Abatement Act of 2023 S.1368 & H.R.2768, American Housing and Economic Mobility Act Federal Housing Administration Cyber Incident Notification Requirements

Client expense: $1,570,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S.680 Decent, Affordable, Safe Housing for All Act; entire bill S.9246 Stop Wall Street Landlords Act No bill number: Electric Distribution Transformer shortage; impact on housing S. 1688: YIMBY Act No bill number. HUD Minimum Efficiency Standards for FHA and USDA mortgage loans H.R. 4198, the Protecting Consumers from Abusive Mortgage Leads Act Renewing Opportunity in the American Dream to Housing Act (ROAD to Housing Act, S. 5027/H.R. 990),

Client expense: $125,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE, White House Office

No bill number - SAVE Act. Energy Efficient Mortgages No bill number - HUD's proposed Energy Efficiency Requirements for FHA and USDA loans H.R. 4198, the Protecting Consumers from Abusive Mortgage Leads Act

Client expense: $125,000 · Firm income: Not reported

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

Legislative and regulatory issues pertaining to credit reporting and scoring; including H.R. 1165, H.R. 1521, H.R. 8070, H.R. 3418, H.R. 4198, H.R. 5009, H.R. 6003, H.R. 7297, H.R. 9991, S. 1316, S. 1654, S. 4368, S. 3103, and S. 3502.

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

Government targets: Consumer Financial Protection Bureau (CFPB), HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of, White House Office

credit union member business lending; credit union field of membership issues including maturity limits for federal credit unions; Fair lending; cannabis banking; Prompt Corrective Action for credit unions and capital reform. Community Development Financial Institutions. Nominations for the CFPB's Credit Union Advisory Council. Expanding Financial Access to Underserved Communities Act; The Expanding Financial Access for Underserved Communities Act, H.R. 582 and S. 610, The Credit Union Board Modernization Act. The Credit Card Competition Act (H.R. 3881, S. 1838); access to liquidity for credit unions; H.R. 4867/S. 539, Veterans Member Business Loan Act; H.R. 4198, Protecting Consumers from Abusive Mortgage Leads Act; H.R. 2798, CFPB Transparency and Accountability Reform Act; S. 610, Board Modernization Act; S. 1212, Secure Notarization Act; Debit Interchange (reg ii), Loan Maturities (H.R. 6933, the Expanding Access to Lending Options Act); Overseas Military Banking Program; CFPB Overdraft Protection Proposed Rule; Federal Home Loan Bank board organization; Federal Home Loan Bank definition of a CDFI.

Client expense: $110,000 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), HOUSE OF REPRESENTATIVES, Natl Credit Union Administration (NCUA), SENATE, Treasury, Dept of

Credit union and credit union related issues. The Credit Card Competition Act (Senate: S. 1838; House: H.R. 3881); H.R. 4867/S. 539, Veterans Member Business Loan Act; access to liquidity; H.R. 4198, the Protecting Consumers from Abusive Mortgage Leads Act; H.R. 2798, the CFPB Transparency Act; S. 610, the Board Modernization Act; S. 1212, the SECURE Notarization Act; H.R. 6933, Expanding Access to Lending Options Act; H.R. 4198, Protecting Consumers from Abusive Mortgage Leads Act; CFPB's proposed overdraft protection rule; Federal Home Loan Bank board organization and definition of a CDFI.

Client expense: $110,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Legislative and regulatory issues pertaining to credit reporting and scoring; including H.R. 1521, H.R. 8070, H.R. 4198, H.R. 6003, H.R. 7297, S. 1316, S. 4368, S. 3103, and S. 3502.

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

Government targets: Consumer Financial Protection Bureau (CFPB), HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of, White House Office

credit union member business lending; credit union field of membership issues including maturity limits for federal credit unions; Fair lending; cannabis banking; Prompt Corrective Action for credit unions and capital reform. Community Development Financial Institutions. Nominations for the CFPB's Credit Union Advisory Council. Expanding Financial Access to Underserved Communities Act; The Expanding Financial Access for Underserved Communities Act, H.R. 582 and S. 610, The Credit Union Board Modernization Act. The Credit Card Competition Act (H.R. 3881, S. 1838); access to liquidity for credit unions; H.R. 4867/S. 539, Veterans Member Business Loan Act; H.R. 4198, Protecting Consumers from Abusive Mortgage Leads Act; H.R. 2798, CFPB Transparency and Accountability Reform Act; S. 610, Board Modernization Act; S. 1212, Secure Notarization Act; Debit Interchange (reg ii), Loan Maturities (H.R. 6933, the Expanding Access to Lending Options Act); Overseas Military Banking Program; CFPB Overdraft Protection Proposed Rule; Federal Home Loan Bank board organization; Federal Home Loan Bank definition of a CDFI.

Client expense: $110,000 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), HOUSE OF REPRESENTATIVES, Natl Credit Union Administration (NCUA), SENATE, Treasury, Dept of

Credit union and credit union related issues. The Credit Card Competition Act (Senate: S. 1838; House: H.R. 3881); H.R. 4867/S. 539, Veterans Member Business Loan Act; access to liquidity; H.R. 4198, the Protecting Consumers from Abusive Mortgage Leads Act; H.R. 2798, the CFPB Transparency Act; S. 610, the Board Modernization Act; S. 1212, the SECURE Notarization Act; H.R. 6933, Expanding Access to Lending Options Act; H.R. 4198, Protecting Consumers from Abusive Mortgage Leads Act; CFPB's proposed overdraft protection rule; Federal Home Loan Bank board organization and definition of a CDFI.

Client expense: $110,000 · 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

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

Government targets: Consumer Financial Protection Bureau (CFPB), Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

H.R. 3418, S. 1654 - Credit Access and Inclusion Act: Provisions pertaining to consumer credit, alternative data and financial inclusion. S. 3502 - Homebuyers Privacy Protection Act: Provisions pertaining to trigger leads for residential mortgages. H.R. 4198 - Protecting Consumers from Abusive Mortgage Leads Act; S. 1327 - Consumer Credit Control Act of 2023: Provisions pertaining to use of mortgage triggers. H.R. 2656 - Trigger Leads Abatement Act of 2023: Provisions pertaining to trigger leads for credit reporting agencies. S. 4455 - Fair Credit for American Hostages Act: Provisions pertaining to freezing credit reports of American hostages. Issues pertaining to CFPB FCRA rulemaking, credit header data, medical debt, and potential Financial Inclusion Commission. Issues pertaining to rent reporting on a consumer's credit report.

Client expense: $510,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R.4198, Protecting Consumers from Abusive Mortgage Leads Act S.3502 & H.R.7297, Homebuyers Privacy Protection Act H.R.2656, Trigger Leads Abatement Act of 2023 S.1368 & H.R.2768, American Housing and Economic Mobility Act

Client expense: $1,760,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Bank On Certification Program Central Bank Digital Currency Cryptocurrency Deposit Insurance Digital Assets Bank Capital Requirements/Basel Capital Proposal Postal Banking S.1323 & H.R.2891, Secure and Fair Enforcement (SAFE) Banking Act of 2023 H.R.4177 & S.2007, Improving Corporate Governance Through Diversity Act of 2023 H.R.2547, Comprehensive Debt Collection Improvement Act S.3937 & H.R.758, Promoting Access to Capital in Underbanked Communities Act of 2023 H.R. 1533 & S. 2252, Promoting New and Diverse Depository Institutions Act Emergency Capital Investment Issues for CDFI and MDI Institutions H.R.7351, To amend the Consumer Financial Protection Act of 2010 to provide for the supervision of non-depository persons offering or making small business loans, and for other purposes S. 2677, Stop Overdraft Profiteering Act of 2021 S. 4356, Responsible Financial Innovation Act The impact of Environmental, Social and Governance guidance and regulatory proposals on banking UDAAP Supervisory Policies and Adjudication Procedures Community Reinvestment Act Final Rule Deposit Insurance Issues S.1838 & H.R.3881 Credit Card Competition Act of 2023 S.4760, Digital Commodities Consumer Protection Act of 2022 Merchant Category Codes S.1790, Failed Bank Executives Clawback Act S.293 & H.R.2743, Fair Access to Banking Act H.R.2799, Expanding Access to Capital Act of 2023 H.R.2603, To require the Securities and Exchange Commission to revise certain thresholds related to smaller reporting companies, accelerated filers, and large accelerated filers, and for other purposes H.R.2798, Consumer Financial Protection Bureau Transparency and Accountability Reform Act H.R.1382, TABS Act of 2023 H.R.1411, Consumer Financial Protection Bureau-Inspector General Reform Act H.R.2489, the Consumer Financial Protection Bureau Dual Mandate and Economic Analysis Act H.R.1313, the Transparency in Consumer Financial Protection Bureau Cost-Benefit Analysis Act H.R.1719, Making the Consumer Financial Protection Bureau Accountable to Small Business Act S.1362, the Transparency in Consumer Financial Protection Bureau Cost-Benefit Analysis Act H.R.490, Federal Infrastructure Bank Act of 2023 H.R.4868, Member Business Loan Expansion Act H.R.4035, Protecting Small Business Information Act of 2023 S.2760, Capping Credit Card Interest Rates Act H.R.5485, Financial Privacy Act of 2023 H.R.5524, Foreign Affiliate Sharing Pilot Program H.R.5403, Central Bank Digital Currency Anti-Surveillance Act H.R.5741, Uniform Treatment of Custodial Assets Act S.2860, Secure and Fair Enforcement Regulation (SAFER) Banking Act H.R.4763, Financial Innovation and Technology for the 21st Century Act H.R.4766, Clarity for Payment Stablecoins Act of 2023 S.2190, Recovering Executive Compensation Obtained Through Unaccountable Practices (RECOUP) Act of 2023 S.2251, Federal Information Security Modernization Act H.R.3398, Safe Access to Cash Act of 2023 S.3549, the Predatory Lending Elimination Act H.R.6789, Rectifying UDAAP Act H.R.1810, Bank Loan Privacy Act H.R.1806/S.1159, Small Lender Act H.R.4346, Small Bank Holding Company Relief Act of 2023 H.R.4198, Protecting Consumers from Abusive Mortgage Leads Act Regulation II: Debit Card Interchange Fees and Routing Implementation of Dodd-Frank Act Section 1033: Proposed Rule on Personal Financial Data Rights Merger and Acquisition Policy S.3554, Financial Artificial Intelligence Risk Reduction Act Artificial Intelligence Risk Management, Regulation, and Innovation CDFI Certification Update H.R.7531 & S.4570, Secure Payments Act of 2024 H.R.7437, Fostering Use of Technology to Uphold Regulatory Effectiveness in Supervision Act (FUTURES Act) H.R.4206, Bank Safety Act H.J.Res.122 & S.J.Res.70, Providing for Congressional disapproval under Chapter 8 of Title 5, U.S. Code, of the rule submitted by the Consumer Financial Protection Bureau related to Credit Card Penalty Fees (Reg Z) Notice of Proposed Rulemaking for Debit Card Interchange Fees and Routing (Reg II) Department of Labor Fiduciary Rule H.J.Res.140, 141, 142, and 143-Congressional Review Act Resolutions of Disapproval of the Department of Labor Fiduciary Rule S.J.Res.79, Congressional Review Act Resolution of Disapproval of the Department of Labor Fiduciary Rule Federal Reserve Discount Window and Emergency Lending Authority Guidelines for Establishing Standards for Corporate Governance and Risk Management for Covered Institutions with Total Consolidated Assets of $10 Billion or More CFPB Larger Participant of a Market for General-Use Digital Consumer Payment Applications H.R.8337, Bank Resilience and Regulatory Improvement Act H.R.8338, Clarity in Lending Act H.R.8288, Bringing the Discount Window into the 21st Century Act H.R.8287, Stress Testing Accountability and Transparency Act H.R.8264, Bank Supervision Appeals Improvement Act of 2024 H.R.8356, Small Dollar Loan Certainty Act H.R.7403, Bank Failure Prevention Act of 2024H.R.7437, Fostering the Use of Technology to Uphold Regulatory Effectiveness in Supervision (FUTURES) Act H.R.4206, Bank Safety Act Tokenization of Assets Fraud Issues Peer-To-Peer Payment Fraud FDIC Proposed Guidelines for Corporate Governance and Risk Management for Banks Over $10 Billion in Assets Pilot program allowing Freddie Mac to purchase single family closed-end second mortgages National Bank Act & Defending Dual Banking System S. 4943/H.R. 9303 Protecting Consumers From Payment Scams Act Financial Data Transparency Act Rulemaking FDIC Brokered Deposit Proposal H.R.7420 Ensuring Diversity in Community Banking Act

Client expense: $1,760,000 · Firm income: Not reported

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

Issues related to the Fair Credit Reporting Act, regulation of consumer reporting bureaus, data breach notification and privacy, and financial services provisions of the House 2024 NDAA bill. Issues related to H.R. 4198

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R.4198 - Protecting Consumers from Abusive Mortgage Leads Act; S.3502 Homebuyers Privacy Protection Act; Issues related to housing finance and credit reporting.

Client expense: $350,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to consumer reporting and the use of alternative data in facilitating access to credit and financial inclusion; S. 4944 - Access to Homeownership Act; H.R. 4198 - Protecting Consumers from Abusive Mortgage Leads Act; S.3502 - Homebuyers Privacy Protection Act.

Client expense: $350,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S.680 Decent, Affordable, Safe Housing for All Act; entire bill S.9246 Stop Wall Street Landlords Act No bill number: Electric Distribution Transformer shortage; impact on housing S. 1688: YIMBY Act No bill number. HUD regulation to require FHA and USDA Loans to comply with certain energy efficiency code requirements. H.R. 4198, the Protecting Consumers from Abusive Mortgage Leads Act (8-2023)

Client expense: $125,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE

No bill number - SAVE Act. Energy Efficient Mortgages No bill number - HUD's proposed Energy Efficiency Requirements for FHA and USDA loans H.R. 4198, the Protecting Consumers from Abusive Mortgage Leads Act (8-2023)

Client expense: $125,000 · Firm income: Not reported

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

Legislative and regulatory issues pertaining to credit reporting and scoring; including H.R. 1165, H.R. 1521, H.R. 2656, H.R. 3418, H.R. 4198, H.R. 5123, H.R. 6003, H.R. 7297, S.1316, S.1654, S. 3103, and S. 3502.

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

Government targets: Consumer Financial Protection Bureau (CFPB), HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of, White House Office

credit union member business lending; credit union field of membership issues including maturity limits for federal credit unions; Fair lending; cannabis banking; Prompt Corrective Action for credit unions and capital reform. Community Development Financial Institutions. Nominations for the CFPB's Credit Union Advisory Council. Expanding Financial Access to Underserved Communities Act; The Expanding Financial Access for Underserved Communities Act, H.R. 582 and S. 610, The Credit Union Board Modernization Act. The Credit Card Competition Act (H.R. 3881, S. 1838); access to liquidity for credit unions; H.R. 4867/S. 539, Veterans Member Business Loan Act; H.R. 4198, Protecting Consumers from Abusive Mortgage Leads Act; H.R. 2798, CFPB Transparency and Accountability Reform Act; S. 610, Board Modernization Act; S. 1212, Secure Notarization Act; Debit Interchange (reg ii), Loan Maturities (H.R. 6933, the Expanding Access to Lending Options Act); Overseas Military Banking Program; CFPB Overdraft Protection Proposed Rule

Client expense: $110,000 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), HOUSE OF REPRESENTATIVES, Natl Credit Union Administration (NCUA), SENATE, Treasury, Dept of

Credit union and credit union related issues. The Credit Card Competition Act (Senate: S. 1838; House: H.R. 3881); H.R. 4867/S. 539, Veterans Member Business Loan Act; access to liquidity; H.R. 4198, the Protecting Consumers from Abusive Mortgage Leads Act; H.R. 2798, the CFPB Transparency Act; S. 610, the Board Modernization Act; S. 1212, the SECURE Notarization Act; H.R. 6933, Expanding Access to Lending Options Act; H.R. 4198, Protecting Consumers from Abusive Mortgage Leads Act; CFPB's proposed overdraft protection rule

Client expense: $110,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to the Fair Credit Reporting Act, regulation of consumer reporting bureaus, data breach notification and privacy, and financial services provisions of the House 2024 NDAA bill. Issues related to H.R. 4198.

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

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: $900,000 · Firm income: Not reported

Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

Bank On Certification Program Central Bank Digital Currency Cryptocurrency Deposit Insurance Digital Assets Bank Capital Requirements/Basel Capital Proposal Postal Banking S.1323 & H.R.2891, Secure and Fair Enforcement (SAFE) Banking Act of 2023 H.R.4177 & S.2007, Improving Corporate Governance Through Diversity Act of 2023 H.R.2547, Comprehensive Debt Collection Improvement Act S.3937 & H.R.758, Promoting Access to Capital in Underbanked Communities Act of 2023 H.R. 1533 & S. 2252, Promoting New and Diverse Depository Institutions Act Emergency Capital Investment Issues for CDFI and MDI H.R.7351, To amend the Consumer Financial Protection Act of 2010 to provide for the supervision of non-depository persons offering or making small business loans, and for other purposes S. 2677, Stop Overdraft Profiteering Act of 2021 S. 4356, Responsible Financial Innovation Act The impact of Environmental, Social and Governance guidance and regulatory proposals on banking UDAAP Supervisory Policies and Adjudication Procedures Community Reinvestment Act Final Rule Deposit Insurance Issues S.1838 & H.R.3881 Credit Card Competition Act of 2023 S.4760, Digital Commodities Consumer Protection Act of 2022 Merchant Category Codes S.1790, Failed Bank Executives Clawback Act S.293 & H.R.2743, Fair Access to Banking Act H.R.2799, Expanding Access to Capital Act of 2023 H.R.2603, To require the Securities and Exchange Commission to revise certain thresholds related to smaller reporting companies, accelerated filers, and large accelerated filers, and for other purposes H.R.2798, Consumer Financial Protection Bureau Transparency and Accountability Reform Act H.R.1382, TABS Act of 2023 H.R.1411, Consumer Financial Protection Bureau-Inspector General Reform Act H.R.2489, the Consumer Financial Protection Bureau Dual Mandate and Economic Analysis Act H.R.1313, the Transparency in Consumer Financial Protection Bureau Cost-Benefit Analysis Act H.R.1719, Making the Consumer Financial Protection Bureau Accountable to Small Business Act S.1362, the Transparency in Consumer Financial Protection Bureau Cost-Benefit Analysis Act H.R.490, Federal Infrastructure Bank Act of 2023 H.R.4868, Member Business Loan Expansion Act H.R.4035, Protecting Small Business Information Act of 2023 S.2760, Capping Credit Card Interest Rates Act H.R.5485, Financial Privacy Act of 2023 H.R.5524, Foreign Affiliate Sharing Pilot Program H.R.5403, Central Bank Digital Currency Anti-Surveillance Act H.R.5741, Uniform Treatment of Custodial Assets Act S.2860, Secure and Fair Enforcement Regulation (SAFER) Banking Act H.R.4763, Financial Innovation and Technology for the 21st Century Act H.R.4766, Clarity for Payment Stablecoins Act of 2023 S.2190, Recovering Executive Compensation Obtained Through Unaccountable Practices (RECOUP) Act of 2023 S.2251, Federal Information Security Modernization Act H.R.3398, Safe Access to Cash Act of 2023 S.3549, the Predatory Lending Elimination Act H.R.6789, Rectifying UDAAP Act H.R.1810, Bank Loan Privacy Act H.R.1806/S.1159, Small Lender Act H.R.4346, Small Bank Holding Company Relief Act of 2023 H.R.4198, Protecting Consumers from Abusive Mortgage Leads Act Regulation II: Debit Card Interchange Fees and Routing Implementation of Dodd-Frank Act Section 1033: Proposed Rule on Personal Financial Data Rights Merger and Acquisition Policy S.3554, Financial Artificial Intelligence Risk Reduction Act CDFI Certification Update H.R.7531 & S.4570, Secure Payments Act of 2024 H.R.7437, Fostering Use of Technology to Uphold Regulatory Effectiveness in Supervision Act (FUTURES Act) H.R.4206, Bank Safety Act H.J.Res.122 & S.J.Res.70, Providing for Congressional disapproval under Chapter 8 of Title 5, U.S. Code, of the rule submitted by the Consumer Financial Protection Bureau related to Credit Card Penalty Fees (Reg Z) Notice of Proposed Rulemaking for Debit Card Interchange Fees and Routing (Reg II) Department of Labor Fiduciary Rule H.J.Res.140, 141, 142, and 143-Congressional Review Act Resolutions of Disapproval of the Department of Labor Fiduciary Rule S.J.Res.79, Congressional Review Act Resolution of Disapproval of the Department of Labor Fiduciary Rule Federal Reserve Discount Window and Emergency Lending Authority Guidelines for Establishing Standards for Corporate Governance and Risk Management for Covered Institutions with Total Consolidated Assets of $10 Billion or More CFPB Larger Participant of a Market for General-Use Digital Consumer Payment Applications H.R.8337, Bank Resilience and Regulatory Improvement Act H.R.8338, Clarity in Lending Act H.R.8288, Bringing the Discount Window into the 21st Century Act H.R.8287, Stress Testing Accountability and Transparency Act H.R.8264, Bank Supervision Appeals Improvement Act of 2024 H.R.8356, Small Dollar Loan Certainty Act H.R.7403, Bank Failure Prevention Act of 2024H.R.7437, Fostering the Use of Technology to Uphold Regulatory Effectiveness in Supervision (FUTURES) Act H.R.4206, Bank Safety Act Tokenization of Assets Fraud Issues FDIC Proposed Guidelines for Corporate Governance and Risk Management for Banks Over $10 Billion in Assets Pilot program allowing Freddie Mac to purchase single family closed-end second mortgages National Bank Act & Defending Dual Banking System

Client expense: $1,490,000 · Firm income: Not reported

Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

H.R.4198, Protecting Consumers from Abusive Mortgage Leads Act S.3502 & H.R.7297, Homebuyers Privacy Protection Act H.R.2656, Trigger Leads Abatement Act of 2023 S.1368 & H.R.2768, American Housing and Economic Mobility Act

Client expense: $1,490,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R.3418, S. 1654 - Credit Access and Inclusion Act: Provisions pertaining to consumer credit, alternative data and financial inclusion. S. 3502 - Homebuyers Privacy Protection Act: Provisions pertaining to trigger leads for residential mortgages. H.R. 4198 - Protecting Consumers from Abusive Mortgage Leads Act; S. 1327 - Consumer Credit Control Act of 2023: Provisions pertaining to use of mortgage triggers. H.R. 2656 - Trigger Leads Abatement Act of 2023: Provisions pertaining to trigger leads for credit reporting agencies. Issues pertaining credit header data, CFPB FCRA rulemaking, potential Financial Inclusion Commission, and Buy Now Pay Later financing reporting.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 758 Promoting Access to Capital in Underbanked Communities Act of 2023 H.R. 1165 Financial Data Privacy Act of 2023 H.R. 1806 Small LENDER Act H.R. 1810 Bank Loan Privacy Act H.R. 2656 Trigger Leads Abatement Act H.R. 2891 SAFER Banking Act of 2023 H.R. 3161 CDFI Fund Transparency Act H.R. 3881 Credit Card Competition Act of 2023 H.R. 4035 Protecting Small Business Information Act of 2023 H.R. 4198 To amend section 604(c) of the Fair Credit Reporting Act to address the treatment of pre-screening report requests, and for other purposes. H.R. 4346 Small Bank Holding Company Relief Act H.R. 4766 Clarity for Payment Stablecoins Act of 2023 H.R. 5403 CBDC Anti-Surveillance State Act H.R. 6398 Financial Institution Regulatory Tailoring Enhancement Act H.R. 6789 Rectifying Undefined Descriptions of Abusive Act and Practices Act H.R. 7297 Homebuyers Privacy Protection Act H.R. 7420 Ensuring Diversity in Community Banking Act H.R. 7483 Expanding Opportunity for MDIs Act H.R. 7531 Secure Payments Act H.R. 8152 American Data Privacy and Protection Act H.R. 8264 Bank Supervision Appeals Improvement Act H.R. 8337 Bank Resilience and Regulatory Improvement Act H.R. 8338 Clarity in Lending Act H.R. 8818 American Privacy Rights Act 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 "Credit Card Penalty Fees (Regulation Z)". S. 1323 SAFE Banking Act of 2023 S. 1838 Credit Card Competition Act of 2023; Durbin Amendment on Debit Card Routing; Extension to Credit Cards S. 2281 Lummis-Gillibrand Responsible Financial Innovation Act S. 2860 SAFER Banking Act S. 3502 Homeowners Privacy Protection Act (Trigger Leads) S. 3538 Close the Shadow Banking Loophole Act S. 3801 CBDC Anti-Surveillance State Act S. 4155 Lummis -Gillibrand Payment Stablecoin Act S. 4570 Secure Payments Act S.J. Res 70 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 "Credit Card Penalty Fees (Regulation Z) Anti-money laundering regulation - digital assets Artificial Intelligence Bank Merger Competitive Review Guidelines Bank-fintech partnerships Beneficial Ownership Cannabis Banking Central Bank Digital Currency Check Fraud Climate Risk Disclosure Requirements Climate Related Financial Regulation Community Bank Access to Capital Community Development Financial Institutions Certification Community Reinvestment Act Credit Card Routing Mandates Credit Reporting Credit Union Acquisitions of Community Banks Credit Union Business Lending Powers Credit Union Field of Membership Rules Crypto Assets, Decentralized Finance, and Central Bank Digital Currency Cryptocurrency Regulation Data Privacy De Novo Bank Formation Debit Card Interchange Fees and Routing Deposit insurance reform Digital Assets Regulation EGRPRA Review FHFA Capital Rules Flood Insurance Implementation of Dodd Frank Act Section 1071 Implementation issues with the Anti-Money Laundering Act of 2020 Industrial Loan Company Charter Policy Instant Payments Issues associated with the Federal Reserves discount window NSF and Overdraft Fees Open Banking / Dodd-Frank Section 1033 Opposing the SBAs proposal to repeal the moratorium on the number of Small Business Lending Companies (SBLC) that are permitted to make 7(a) loans. Request for hearing on unfair Credit Union Competition Request that the CFPBs FCRA Rulemaking Process be Subject to an Advanced Notice of Proposed Rulemaking (ANPR) before it Publishes a Notice of Proposed Rulemaking (NPRM) SBA Direct 7(a) Direct Lending Stablecoin, Crypto Currency Regulatory Policy

Client expense: $705,730 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of

Issues related to consumer reporting, data privacy, the use of alternative data in facilitating access to credit and financial inclusion; H.R. 4198 - Protecting Consumers from Abusive Mortgage Leads Act; S.3502 - Homebuyers Privacy Protection Act.

Client expense: $380,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to housing finance and credit reporting; H.R.4198 Protecting Consumers from Abusive Mortgage Leads Act; S.3502 Homebuyers Privacy Protection Act.

Client expense: $380,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

No bill number - SAVE Act. Energy Efficient Mortgages No bill number - HUD's proposed Energy Efficiency Requirements for FHA and USDA loans H.R. 4198, the Protecting Consumers from Abusive Mortgage Leads Act (8-2023)

Client expense: $125,000 · Firm income: Not reported

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

S.680 Decent, Affordable, Safe Housing for All Act; entire bill S.9246 Stop Wall Street Landlords Act No bill number: Electric Distribution Transformer shortage; impact on housing S. 1688: YIMBY Act No bill number. Proposed HUD regulation to require FHA and USDA Loans to comply with certain energy efficiency requirements. H.R. 4198, the Protecting Consumers from Abusive Mortgage Leads Act (8-2023)

Client expense: $125,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE

Legislative and regulatory issues pertaining to credit reporting and scoring; including H.R. 1165, H.R. 1521, H.R. 2656, H.R. 3418, H.R. 4198, H.R. 5123, H.R. 6003, H.R. 7297, S.1316, S.1654, S. 3103, and S. 3502.

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

Government targets: Consumer Financial Protection Bureau (CFPB), HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of, White House Office

Credit union and credit union related issues. The Credit Card Competition Act (Senate: S. 1838; House: H.R. 3881); H.R. 4867/S. 539, Veterans Member Business Loan Act; access to liquidity; H.R. 4198, the Protecting Consumers from Abusive Mortgage Leads Act; H.R. 2798, the CFPB Transparency Act; S. 610, the Board Modernization Act; S. 1212, the SECURE Notarization Act; H.R. 6933, Expanding Access to Lending Options Act; H.R. 4198, Protecting Consumers from Abusive Mortgage Leads Act.

Client expense: $110,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 1319, American Rescue Plan Act (117th); credit union member business lending; credit union field of membership issues including maturity limits for federal credit unions; Fair lending; cannabis banking; Prompt Corrective Action for credit unions and capital reform. Community Development Financial Institutions. Nominations for the CFPB's Credit Union Advisory Council. Expanding Financial Access to Underserved Communities Act; The Expanding Financial Access for Underserved Communities Act, H.R. 582 and S. 610, The Credit Union Board Modernization Act. The Credit Card Competition Act (H.R. 3881, S. 1838); access to liquidity for credit unions; H.R. 4867/S. 539, Veterans Member Business Loan Act; H.R. 4198, Protecting Consumers from Abusive Mortgage Leads Act; H.R. 2798, CFPB Transparency and Accountability Reform Act; S. 610, Board Modernization Act; S. 1212, Secure Notarization Act; Debit Interchange (reg ii), Loan Maturities (H.R. 6933, the Expanding Access to Lending Options Act); Overseas Military Banking Program

Client expense: $110,000 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), HOUSE OF REPRESENTATIVES, Natl Credit Union Administration (NCUA), SENATE, Treasury, Dept of

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

Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

Issues related to codifying the tri-merge requirement. S. 3502, Homebuyers Privacy Protection Act, provisions relating to trigger leads for residential mortgages. H.R. 4198/ S. 1327, Protecting Consumers from Abusive Mortgage Leads Act, bans the use of mortgage triggers. H.R. 2656, Trigger Leads Abatement Act of 2023, trigger leads for credit reporting agencies. Issues pertaining to the FHFA decision to move from tri-merge, Credit Report Enhancement Directive, and the introduction of a bill requesting that the GAO performs a cost-benefit analysis of the bi-merge decision, and tenant screening.

Client expense: $640,000 · Firm income: Not reported

Government targets: Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, SENATE

Consumer Reporting Data Privacy The use of alternative data in facilitating access to credit and financial inclusion H.R. 4198 - Protecting Consumers from Abusive Mortgage Leads Act S.3502 - Homebuyers Privacy Protection Act

Client expense: $320,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Housing Finance Credit Reporting H.R.4198 Protecting Consumers from Abusive Mortgage Leads Act S.3502 Homebuyers Privacy Protection Act

Client expense: $320,000 · Firm income: Not reported

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