Small Bank Holding Company Relief Act of 2023

H.R. 5376 - Inflation Reduction Act (118th Congress) business and clean energy/EV tax issues and tax credits implementation H.R. 4346 - CHIPS+ Act (118th Congress) implementation Superfund fees issues; H.R. 640 / S. 615 Budget reconciliation issues, including H.Con.Res. 14

Client expense: $275,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HR 4346 - CHIPS & Science Act HR 33 - United States-Taiwan Expedited Double-Tax Relief Act Discussions with Treasury officials on implementation of 25% investment tax credit for advanced semiconductor manufacturing HR 7024 - Tax Relief for American Families and Workers Act of 2024 House and Senate - Discussions regarding the corporate tax rate, BEAT, FDII

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

Government targets: Commerce, Dept of (DOC), HOUSE OF REPRESENTATIVES, Natl Institute of Standards & Technology (NIST), SENATE

Issues relating to economic development of distressed communities, including IRC section 1400Z, S.4065, and H.R.5761 (Opportunity Zones). Issues relating to non-compete agreements and their effects on economic dynamism, including S.220 and H.R.731 (Workforce Mobility Act of 2023). Issues relating to demographic trends, labor force issues and the availability of human capital, including immigration and S.5644 (Heartland Visa Act of 2024). Issues relating to inclusive wealth building and retirement security, including H.R.6065, and S.3102 (Retirement Savings for Americans Act). Issues related to increasing technology and innovation, including H.R.4346. Issues relating to housing and housing supply.

Client expense: $190,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 5376 - Inflation Reduction Act business and EV tax issues and tax credits implementation H.R. 4346 - CHIPS+ Act Superfund fees implementation H.R. 7024 - Tax Relief for American Families and Workers Act of 2024 (monitor) H.R. 7980 - End Chinese Dominance of Electric Vehicles in America Act of 2024 (monitor) H.J. Res. 148 - Disapproving the rule submitted by the Department of the Treasury related to Clean Vehicle Credits Under Sections 25E and 30D; Transfer of Credits; Critical Minerals and Battery Components; Foreign Entities of Concern Budget reconciliation issues

Client expense: $180,000 · 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

HR 4346 - CHIPS & Science Act HR 5988 / S 3084 - United States-Taiwan Expedited Double-Tax Relief Act Discussions with Treasury officials on implementation of 25% investment tax credit for advanced semiconductor manufacturing HR 7024 - Tax Relief for American Families and Workers Act of 2024 House and Senate - Discussions regarding the corporate tax rate, BEAT, FDII, and GILTI

Client expense: $540,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), HOUSE OF REPRESENTATIVES, Natl Institute of Standards & Technology (NIST), SENATE, Treasury, Dept of

Issues related to the U.S. financial services transaction and payment processing industry. Issues related to the Congressional FinTech and Payments Caucus. Issues related to the Senate Payments Innovation Caucus. Issues related to the House FinTech Task Force. Issues related to privacy and data breach notification. Issues related to FedNow and faster payments. Issues related to financial inclusion and the unbanked and underbanked. Issues related to Central Bank Digital Currencies (CBDC), stablecoins, and digital assets. Issues related to H.R. 1165, the Data Privacy Act of 2023. Issues related to the implementation of H.R. 4346, the Chips and Science Act. Issues related to the creation of a Merchant Category Code (MCC). Issues related to artificial intelligence and payments. Issues related to H.R. 2891 / S. 1323, the Secure And Fair Enforcement (SAFE) Banking Act of 2023. Issues related to H.R. 4763, the Financial Innovation and Technology for the 21st Century Act. Issues related to H.R. 4766, the Clarity for Payment Stablecoins Act of 2023. Issues related to the S. 5242, the Saving Privacy Act.

Client expense: Not reported · Firm income: $40,000

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

H.R. 5376 - Inflation Reduction Act business and EV tax issues and tax credits implementation H.R. 4346 - CHIPS+ Act Superfund fees implementation H.R. 7024 - Tax Relief for American Families and Workers Act of 2024 (monitor) H.R. 7980 - End Chinese Dominance of Electric Vehicles in America Act of 2024 (monitor) H.J. Res. 148 - Disapproving the rule submitted by the Department of the Treasury related to Clean Vehicle Credits Under Sections 25E and 30D; Transfer of Credits; Critical Minerals and Battery Components; Foreign Entities of Concern

Client expense: $140,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 5376 - Inflation Reduction Act business and EV tax issues and tax credits implementation H.R. 4346 - CHIPS+ Act Superfund fees implementation H.R. 7024 - Tax Relief for American Families and Workers Act of 2024 (monitor) H.R. 7980 - End Chinese Dominance of Electric Vehicles in America Act of 2024 (monitor) H.J. Res. 148 - Disapproving the rule submitted by the Department of the Treasury related to Clean Vehicle Credits Under Sections 25E and 30D; Transfer of Credits; Critical Minerals and Battery Components; Foreign Entities of Concern

Client expense: $140,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HR 4346 - CHIPS & Science Act HR 5988 / S 3084 - United States-Taiwan Expedited Double-Tax Relief Act Discussions with Treasury officials on implementation of 25% investment tax credit for advanced semiconductor manufacturing HR 7024 - Tax Relief for American Families and Workers Act of 2024 House and Senate - Discussions regarding the corporate tax rate, BEAT, FDII, and GILTI

Client expense: $540,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), HOUSE OF REPRESENTATIVES, Natl Institute of Standards & Technology (NIST), SENATE, Treasury, Dept of

Issues related to the U.S. financial services transaction and payment processing industry. Issues related to the Congressional FinTech and Payments Caucus. Issues related to the Senate Payments Innovation Caucus. Issues related to the House FinTech Task Force. Issues related to privacy and data breach notification. Issues related to FedNow and faster payments. Issues related to financial inclusion and the unbanked and underbanked. Issues related to Central Bank Digital Currencies (CBDC), stablecoins, and digital assets. Issues related to H.R. 1165, the Data Privacy Act of 2023. Issues related to the implementation of H.R. 4346, the Chips and Science Act. Issues related to the creation of a Merchant Category Code (MCC). Issues related to artificial intelligence and payments. Issues related to H.R. 2891 / S. 1323, the Secure And Fair Enforcement (SAFE) Banking Act of 2023. Issues related to H.R. 4763, the Financial Innovation and Technology for the 21st Century Act. Issues related to H.R. 4766, the Clarity for Payment Stablecoins Act of 2023.

Client expense: Not reported · Firm income: $40,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues relating to economic development of distressed communities, including IRC section 1400Z, S.4065, and H.R.5761 (Opportunity Zones). Issues relating to non-compete agreements and their effects on economic dynamism, including S.220 and H.R.731 (Workforce Mobility Act of 2023). Issues relating to demographic trends, labor force issues and the availability of human capital, including immigration. Issues relating to inclusive wealth building and retirement security, including H.R.6065, and S.3102 (Retirement Savings for Americans Act). Issues related to increasing technology and innovation, including H.R.4346.

Client expense: $100,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

National Dam Safety Program National Levee Safety Program H.R. 4367- Department of Homeland Security Appropriations Act H.R. 4394- Energy and Water Development and Related Agencies Appropriations Act H.R. 6363 - Further Continuing Appropriations and Other Extensions Act, 2024 H.R. 4346 - Consolidated Appropriations Act of 2024 H.R. 2882 - Further Consolidated Appropriations Act of 2024 Continuing Appropriations and Extensions Act, 2025(H.R. 9747 ) Department of Homeland Security Appropriations Act, 2025 (H.R.8752)

Client expense: Not reported · Firm income: $5,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 5376 - Inflation Reduction Act business tax issues and tax credits implementation H.R. 4346 - CHIPS+ Act Superfund fees implementation H.R. 7024 - Tax Relief for American Families and Workers Act of 2024 (monitor) H.R. 7980 - End Chinese Dominance of Electric Vehicles in America Act of 2024 (monitor) H.J. Res. 148 - Disapproving the rule submitted by the Department of the Treasury related to Clean Vehicle Credits Under Sections 25E and 30D; Transfer of Credits; Critical Minerals and Battery Components; Foreign Entities of Concern

Client expense: $170,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

U.S. House of Representatives, U.S. Senate, Federal Reserve System, U.S. Dept of Treasury, Office of the Comptroller of the Currency (OCC), Consumer Financial Protection Bureau (CFPB), Federal Deposit Insurance Corporation (FDIC), National Credit Union Administration (NCUA) CFPB authority and funtions, related to structure and supervision, research and enforcement priorities Increased supervision and enforcement of unregulated "fintech" products like BNPL and faux EWA providers Eliminating excessive banking fees, including overdraft CFPB Examination of nonbank mortgage, private loan, and payday loan entities Junk fees imposed by providers of consumer financial products and services H.R. 7428, Earned Wage Access Consumer Protection Act, a bill to authorize a form of payday lending H.R.2798, CFPB Transparency and Accountability Reform Act, a bill to place the CFPB in appropriations, enact a commission structiuon, and other revisions H.R. 8337, the Bank Resilience and Regulatory Improvement Act, a bill to amend the Federal banking laws to improve the safety and soundness of the United States banking system, and for other purposes. H.R. 758, the Promoting Access to Capital in Underbanked Communities Act, a bill to require the appropriate Federal banking agencies to establish a 3-year phase-in period for de novo financial institutions to comply with Federal capital standards, to provide relief for de novo rural community banks, and for other purposes. H.R. 6398, the Financial Institutions Regulatory Tailoring Enhancement Act, a bill to increase the asset thresholds at which financial institutions become subject to certain requirements, and for other purposes. H.R. 7403, the Bank Failure Prevention Act, a bill to specify when the record is complete on certain acquisition applications related to depository institution holding companies, and for other purposes. H.R. 4346, the Small Bank Holding Company Relief Act, a bill to raise the consolidated assets threshold under the small bank holding company policy statement, and for other purposes. H.R. 4763, the FIT Act, a bill to authorize and regulate certain crypto currency products, a bill to provide for a system of regulation of digital assets by the Commodity Futures Trading Commission and the Securities and Exchange Commission, and for other purposes. Supporting the nomination of Goldsmith Romero to FDIC

Client expense: $89,000 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Natl Credit Union Administration (NCUA), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of

Issues relating to economic development of distressed communities, including IRC section 1400Z, S.4065, and H.R.5761 (Opportunity Zones). Issues relating to non-compete agreements and their effects on economic dynamism, including S.220 and H.R.731 (Workforce Mobility Act of 2023). Issues relating to demographic trends, labor force issues and the availability of human capital, including immigration. Issues relating to inclusive wealth building and retirement security, including H.R.6065, and S.3102 (Retirement Savings for Americans Act). Issues related to increasing technology and innovation, including H.R.4346.

Client expense: $120,000 · 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 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

Legislative monitoring and outreach related to technology issues involving 5G H.R. 1377, Promoting United States Wireless Leadership Act of 2023 H.R. 1340, Open RAN Outreach Act Monitor legislative and administrative action regarding sanctions on the Russian Federation and Belarus Legislative monitoring and outreach related to the implementation of H.R. 3684, Infrastructure Investment Jobs Act (P.L. 117-58) Implementation of H.R. 4346, CHIPS Act of 2022 (P.L. 117-167) H.R. 285, Cybersecurity Vulnerability Remediation Act H.R. 1123, Understanding Cybersecurity of Mobile Networks Act S. 686, RESTRICT Act S. 917, Securing Open Source Software Act of 2023 H.R. 1135, Connecting Economic Coercion Act Legislative monitoring and outreach relating to artificial intelligence issues Legislative monitoring and outreach relating to outbound investment issues Legislative monitoring and outreach relating to cybersecurity issues H.R. 4891, Multi-Cloud Innovation and Advancement Act S. 2871, Multi-Cloud Innovation and Advancement Act S. 2714, CREATE AI Act H.R. 5077, CREATE AI Act H.R. 4370, PREVAIL Act S. 2220, PREVAIL Act S. 3565, Affordable Connectivity Program Extension Act H.R. 5886, Promoting Access to Broadband Act H.R. 6929, appropriating funds for the Affordable Connectivity Program Legislative monitoring and outreach relating to the Affordable Connectivity Program Legislative monitoring and outreach relating to Open RAN regulation and funding Legislative monitoring and outreach relating to data security Legislative monitoring and outreach relating to small business size standards S. 2140, Patent Eligibility Restoration Act H.R. 7520, Protecting Americans Data from Foreign Adversaries Act H.R. 7521, Protecting Americans from Foreign Adversary Controlled Applications Act H.R. 8818, American Privacy Rights Act H.R. 8070, Servicemember Quality of Life Improvement and National Defense Authorization Act S. 4638, National Defense Authorization Act for Fiscal Year 2025 H.R. 7520, Protecting Americans Data from Foreign Adversaries Act H.R. 7521, Protecting Americans from Foreign Adversary Controlled Applications Act H.R. 8315, ENFORCE Act H.R. 8152, Remote Access Security Act H.R. 8361, Economic Espionage Prevention Act H.R. 6571, Promoting Resilient Supply Chains Act S. 4375, Promoting Resilient Supply Chains Act H.R. 3882, Leveling the Playing Field 2.0 Act S. 1856, Leveling the Playing Field 2.0 Act H.R. 762, Building Resilient Supply Chains Act S. 4375, Promoting Resilient Supply Chains Act H.R. 6571, Promoting Resilient Supply Chains Act H.R. 796, Supply Chain Mapping and Monitoring Act

Client expense: Not reported · Firm income: $80,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE, White House Office

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

H.R. 5376 - Inflation Reduction Act business tax issues and tax credits implementation H.R. 4346 - CHIPS+ Act Superfund fees implementation H.R. 7024 - Tax Relief for American Families and Workers Act of 2024 (monitor) H.R. 7980 - End Chinese Dominance of Electric Vehicles in America Act of 2024 (monitor) H.J. Res. 148 - Disapproving the rule submitted by the Department of the Treasury related to Clean Vehicle Credits Under Sections 25E and 30D; Transfer of Credits; Critical Minerals and Battery Components; Foreign Entities of Concern

Client expense: $160,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to the U.S. financial services transaction and payment processing industry. Issues related to the Congressional FinTech and Payments Caucus. Issues related to the Senate Payments Innovation Caucus. Issues related to the House FinTech Task Force. Issues related to privacy and data breach notification. Issues related to FedNow and faster payments. Issues related to financial inclusion and the unbanked and underbanked. Issues related to Central Bank Digital Currencies (CBDC), stablecoins, and digital assets. Issues related to H.R. 1165, the Data Privacy Act of 2023. Issues related to the implementation of H.R. 4346, the Chips and Science Act. Issues related to the creation of a Merchant Category Code (MCC). Issues related to artificial intelligence and payments. Issues related to H.R. 2891 / S. 1323, the Secure And Fair Enforcement (SAFE) Banking Act of 2023. Issues related to H.R. 4763, the Financial Innovation and Technology for the 21st Century Act. Issues related to H.R. 4766, the Clarity for Payment Stablecoins Act of 2023.

Client expense: Not reported · Firm income: $40,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HR 4346 - CHIPS & Science Act HR 5988 / S 3084 - United States-Taiwan Expedited Double-Tax Relief Act Discussions with Treasury officials on implementation of 25% investment tax credit for advanced semiconductor manufacturing HR 7024 - Tax Relief for American Families and Workers Act of 2024

Client expense: $790,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), HOUSE OF REPRESENTATIVES, Natl Institute of Standards & Technology (NIST), SENATE, Treasury, Dept of

National Dam Safety Program National Levee Safety Program H.R. 4367- Department of Homeland Security Appropriations Act H.R. 4394- Energy and Water Development and Related Agencies Appropriations Act H.R. 6363 - Further Continuing Appropriations and Other Extensions Act, 2024 H.R. 4346 - Consolidated Appropriations Act of 2024 H.R. 2882 - Further Consolidated Appropriations Act of 2024

Client expense: Not reported · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues relating to economic development of distressed communities, including IRC section 1400Z, S.4065, and H.R.5761 (Opportunity Zones). Issues relating to non-compete agreements and their effects on economic dynamism, including S.220 and H.R.731 (Workforce Mobility Act of 2023). Issues relating to demographic trends, labor force issues and the availability of human capital, including immigration. Issues relating to inclusive wealth building and retirement security, including H.R.6065, and S.3102 (Retirement Savings for Americans Act). Issues related to increasing technology and innovation, including H.R.4346.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 5376 - Inflation Reduction Act business tax issues and tax credits implementation H.R. 4346 - CHIPS+ Act Superfund fees implementation

Client expense: $260,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Legislative monitoring and outreach related to technology issues involving 5G H.R. 1377, Promoting United States Wireless Leadership Act of 2023 H.R. 1340, Open RAN Outreach Act Monitor legislative and administrative action regarding sanctions on the Russian Federation and Belarus Legislative monitoring and outreach related to the implementation of H.R. 3684, Infrastructure Investment Jobs Act (P.L. 117-58) Implementation of H.R. 4346, CHIPS Act of 2022 (P.L. 117-167) H.R. 285, Cybersecurity Vulnerability Remediation Act H.R. 1123, Understanding Cybersecurity of Mobile Networks Act S. 686, RESTRICT Act S. 917, Securing Open Source Software Act of 2023 H.R. 1135, Connecting Economic Coercion Act Legislative monitoring and outreach relating to artificial intelligence issues Legislative monitoring and outreach relating to outbound investment issues Legislative monitoring and outreach relating to cybersecurity issues S. 2321, Commerce-Justice-Science Appropriations Act H.R. 4367, Homeland Security Appropriations Act S. 2625, Homeland Security Appropriations Act H.R. 4665, State-Foreign Operations Appropriations Act S. 2438, State-Foreign Operations Appropriations Act H.R. 5860, Continuing Appropriations Act H.R. 4891, Multi-Cloud Innovation and Advancement Act S. 2871, Multi-Cloud Innovation and Advancement Act S. 2714, CREATE AI Act H.R. 5077, CREATE AI Act H.R. 4370, PREVAIL Act S. 2220, PREVAIL Act S. 3565, Affordable Connectivity Program Extension Act H.R. 5886, Promoting Access to Broadband Act H.R. 6929, appropriating funds for the Affordable Connectivity Program Legislative monitoring and outreach relating to the Affordable Connectivity Program Legislative monitoring and outreach relating to Open RAN regulation and funding Legislative monitoring and outreach relating to data security Legislative monitoring and outreach relating to small business size standards S. 2140, Patent Eligibility Restoration Act H.R. 7520, Protecting Americans Data from Foreign Adversaries Act H.R. 7521, Protecting Americans from Foreign Adversary Controlled Applications Act

Client expense: Not reported · Firm income: $80,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE, White House Office

Bank On 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 H.R. 758, Promoting Access to Capital in Underbanked Communities Act of 2023 H.R.4590, Promoting New and Diverse Depository Institutions Act H.R. 1533, 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, Credit Card Competition Act of 2023 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 Department of Labor Retirement Security Rule: Definition of an Investment Advice Fiduciary (Fiduciary Rule) S.3554, Financial Artificial Intelligence Risk Reduction Act CDFI Certification Update H.R. 7531, 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) H.R. 6789, Rectifying UDAAP Act Notice of Proposed Rulemaking for Debit Card Interchange Fees and Routing (Reg II) Department of Labor Fiduciary Proposal Department of Labor Overtime Proposal 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

Client expense: $1,750,000 · Firm income: Not reported

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

National Defense Authorization Act for Fiscal Year 2024 (H.R. 4346 and S. 2226), H.R. 4346 CHIPS and Science Act (Public Law 117-167) Issues related to cybersecurity and microelectronics, CHIPS Act funding and implementation, procurement and supply chain resiliency requirements, DOD R&E Microelectronic Programs, and the National Environmental Policy Act

Client expense: $1,610,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Defense, Dept of (DOD), Executive Office of the President (EOP), HOUSE OF REPRESENTATIVES, SENATE

HR 4346 - CHIPS & Science Act HR 5988 / S 3084 - United States-Taiwan Expedited Double-Tax Relief Act Discussions with Treasury officials on implementation of 25% investment tax credit for advanced semiconductor manufacturing HR 7024 - Tax Relief for American Families and Workers Act of 2024

Client expense: $540,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), HOUSE OF REPRESENTATIVES, Natl Institute of Standards & Technology (NIST), SENATE, Treasury, Dept of

Issues related to the U.S. financial services transaction and payment processing industry. Issues related to the Congressional FinTech and Payments Caucus. Issues related to the Senate Payments Innovation Caucus. Issues related to the House FinTech Task Force. Issues related to privacy and data breach notification. Issues related to FedNow and faster payments. Issues related to financial inclusion and the unbanked and underbanked. Issues related to Central Bank Digital Currencies (CBDC), stablecoins, and digital assets. Issues related to H.R. 1165, the Data Privacy Act of 2023. Issues related to the implementation of H.R. 4346, the Chips and Science Act. Issues related to the creation of a Merchant Category Code (MCC). Issues related to artificial intelligence and payments. Issues related to H.R. 2891 / S. 1323, the Secure And Fair Enforcement (SAFE) Banking Act of 2023. Issues related to H.R. 4763, the Financial Innovation and Technology for the 21st Century Act. Issues related to H.R. 4766, the Clarity for Payment Stablecoins Act of 2023.

Client expense: Not reported · Firm income: $40,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

National Dam Safety Program National Levee Safety Program H.R. 4367- Department of Homeland Security Appropriations Act H.R. 4394- Energy and Water Development and Related Agencies Appropriations Act H.R. 6363 - Further Continuing Appropriations and Other Extensions Act, 2024 H.R. 4346 - Consolidated Appropriations Act of 2024 H.R. 2882 - Further Consolidated Appropriations Act of 2024

Client expense: Not reported · Firm income: $25,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues relating to economic development of distressed communities, including IRC section 1400Z, S.4065, and H.R.5761 (Opportunity Zones). Issues relating to non-compete agreements and their effects on economic dynamism, including S.220 and H.R.731 (Workforce Mobility Act of 2023). Issues relating to demographic trends, labor force issues and the availability of human capital, including immigration. Issues relating to inclusive wealth building and retirement security, including H.R.9462, S.5271, H.R.6065, and S.3102 (Retirement Savings for Americans Act). Issues related to increasing technology and innovation, including H.R.4346.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Bank On Central Bank Digital Currency Cryptocurrency Deposit Insurance Digital Assets Nominations 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 H.R. 758, Promoting Access to Capital in Underbanked Communities Act of 2023 H.R.4590, Promoting New and Diverse Depository Institutions Act H.R. 1533, 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. H.R. 7003, Expanding Financial Access for Underserved Communities Act 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 modernization Deposit Insurance Assessment Rates S.1838, Credit Card Competition Act of 2023 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 S. 3502, Homebuyers Privacy Protection Act Regulation II: Debit Card Interchange Fees and Routing Implementation of Dodd-Frank Act Section 1033-- Proposed Rule on Personal Financial Data Rights Department of Labor Retirement Security Rule: Definition of an Investment Advice Fiduciary (Fiduciary Rule) S.3554, Financial Artificial Intelligence Risk Reduction Act CDFI Certification Update

Client expense: $1,910,000 · Firm income: Not reported

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

H.R. 3684 - Infrastructure Investment and Jobs Act implementation H.R. 5376 - Inflation Reduction Act business tax issues and battery/energy tax credits implementation H.R. 3938 - Build It In America Act H.R. 4346 - CHIPS+ Act Superfund fees implementation

Client expense: $140,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), SENATE, Treasury, Dept of

CHIPS Act implementation H.R. 4346 - CHIPS+ Act H.R. 3684 - Infrastructure Investment and Jobs Act implementation H.R. 5376 - Inflation Reduction Act Critical Supply Chain Issues (batteries, semiconductors etc.) Chemical and materials manufacturing issues and clean energy manufacturing

Client expense: $140,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Energy, Dept of, HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), SENATE, Treasury, Dept of, White House Office

Legislative monitoring and outreach related to technology issues involving 5G H.R. 1377, Promoting United States Wireless Leadership Act of 2023 H.R. 1340, Open RAN Outreach Act Monitor legislative and administrative action regarding sanctions on the Russian Federation and Belarus Legislative monitoring and outreach related to the implementation of H.R. 3684, Infrastructure Investment Jobs Act (P.L. 117-58) Implementation of H.R. 4346, CHIPS Act of 2022 (P.L. 117-167) H.R. 285, Cybersecurity Vulnerability Remediation Act H.R. 1123, Understanding Cybersecurity of Mobile Networks Act S. 686, RESTRICT Act S. 917, Securing Open Source Software Act of 2023 H.R. 2670, National Defense Authorization Act H.R. 1135, Connecting Economic Coercion Act S. 686, Restrict Act S. 2226, National Defense Authorization Act Legislative monitoring and outreach relating to artificial intelligence issues Legislative monitoring and outreach relating to outbound investment issues Legislative monitoring and outreach relating to cybersecurity issues S. 2321, Commerce-Justice-Science Appropriations Act H.R. 4367, Homeland Security Appropriations Act S. 2625, Homeland Security Appropriations Act H.R. 4665, State-Foreign Operations Appropriations Act S. 2438, State-Foreign Operations Appropriations Act H.R. 5860, Continuing Appropriations Act H.R. 4891, Multi-Cloud Innovation and Advancement Act S. 2871, Multi-Cloud Innovation and Advancement Act H.R. 2670, National Defense Authorization Act S. 2714, CREATE AI Act H.R. 5077, CREATE AI Act H.R. 4370, PREVAIL Act S. 2220, PREVAIL Act S. 3565, Affordable Connectivity Program Extension Act H.R. 5886, Promoting Access to Broadband Act H.R. 6929, appropriating funds for the Affordable Connectivity Program

Client expense: Not reported · Firm income: $90,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE, White House Office

National Defense Authorization Act for Fiscal Year 2024 (H.R. 4346 and S. 2226), H.R. 4346 CHIPS and Science Act (Public Law 117-167) Issues related to cybersecurity and microelectronics, CHIPS Act funding and implementation, procurement and supply chain requirements, DOD R&E Microelectronic Programs, and the National Environmental Policy Act

Client expense: $1,820,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Defense, Dept of (DOD), Executive Office of the President (EOP), HOUSE OF REPRESENTATIVES, SENATE

Issues related to the U.S. financial services transaction and payment processing industry. Issues related to the Congressional FinTech and Payments Caucus. Issues related to the Senate Payments Innovation Caucus. Issues related to the House FinTech Task Force. Issues related to privacy and data breach notification. Issues related to FedNow and faster payments. Issues related to financial inclusion and the unbanked and underbanked. Issues related to Central Bank Digital Currencies (CBDC), stablecoins, and digital assets. Issues related to H.R. 1165, the Data Privacy Act of 2023. Issues related to the implementation of H.R. 4346, the Chips and Science Act. Issues related to the creation of a Merchant Category Code (MCC). Issues related to artificial intelligence and payments. Issues related to H.R. 2891 / S. 1323, the Secure And Fair Enforcement (SAFE) Banking Act of 2023. Issues related to H.R. 4763, the Financial Innovation and Technology for the 21st Century Act. Issues related to H.R. 4766, the Clarity for Payment Stablecoins Act of 2023.

Client expense: Not reported · Firm income: $40,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Support for the inclusion of higher education priorities and funding including efforts to expand the Pell Grant and increase the federal award amount, support for additional funding for federal research and research infrastructure, support for workforce initiatives, student mental health and academic success priorities in the FY24 budget and appropriations legislation. Support for the UW System's 2023 Federal Priorities including increased funding for: the National Institutes of Health, the National Science Foundation, the National Oceanic and Atmospheric Administration's National Estuarine Research Reserve, the Great Lakes Restoration Initiative, the U.S. Department of Agriculture's Capacity Building Grants for Non-Land Grant Colleges of Agriculture, and the Pell Grant Program, including allowing "DREAMers" to have access to the Pell Grant. Support for federal financial aid programs including: the Supplemental Educational Opportunity Grant, TRIO, GEAR UP, and the Pell Grant Program. Support for sustainability efforts and energy and water sciences research - including via the National Oceanic and Atmospheric Administration and Department of Energy - the Freshwater Collaborative of Wisconsin, and the Sea Grant Program. Support for the Connected Systems Institute and research vessels via the Commerce, Justice, and Science FY24 Appropriations legislation. Support for increased STEM and water research funding via the FY24 appropriations process. Continued support of the CHIPS Act of 2022 (H.R. 4346) and efforts to fund the legislative priorities in the bill. Concerns with any negative implication to higher education funding via H.R.3746 - Fiscal Responsibility Act of 2023. Support for funding for cybersecurity research.

Client expense: $100,000 · Firm income: Not reported

Government targets: Environmental Protection Agency (EPA), HOUSE OF REPRESENTATIVES, SENATE

H.R. 758 Promoting Access to Capital in Underbanked Communities Act of 2023 H.R. 1059 SECURE Notarization Act of 2023 H.R. 1122 Central Bank Digital Currency Anti-Surveillance State Act H.R. 1165 Financial Data Privacy Act of 2023 H.R. 1313 Transparency in CFPB Cost-Benefit Analysis Act H.R. 1749 Making the CFPB Accountable to Small Business Act H.R. 1806 Small LENDER Act H.R. 1810 Bank Loan Privacy Act H.R. 1817 The Preventing Racial Profiling in Lending Act H.R. 2402 Power of the Mint Act H.R. 2656 Trigger Leads Abatement Act H.R. 2798 CFPB Transparency and Accountability Reform Act H.R. 2891 SAFE Banking Act of 2023 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. 4673 Financial Innovation and Technology for the 21st Century Act H.R. 4766 Clarity for Payment Stablecoins Act of 2023 H.R. 5119, the Protect Small Business and Prevent Illicit Financial Activity Act H.R. 5403, CBDC Anti-Surveillance State Act H.J. Res. 50 A Resolution of Disapproval under the Congressional Review Act Re: Dodd-Frank Section 1071 H.J. Res. 66 A Resolution of Disapproval under the Congressional Review Act Re: Dodd-Frank Section 1071 S. 1045 Bank Compensation Clawback S. 1212 SECURE Notarization Act of 2023 S. 1323 SAFE Banking Act of 2023 S. 1838 Credit Card Competition Act of 2023 S. 2190 RECOUP Act S. 2252 Promoting New and Diverse Depository Institutions Act S. 2669 Digital Asset Anti-Money Laundering Act of 2023 S. 2760, the Capping Credit Card Interest Rates Act S. 2860 SAFER Banking Act S. 3012 Deposit Security Act Senate Amendment 1161 to H.R. 4366 - Military Construction, Veterans Affairs, and Related Agencies Appropriations Act, 2024 - Credit Card Competition Act Senate Amendment 1285, Veterans and Consumers Fair Credit Act S.J. Res. 32 A Resolution of Disapproval under the Congressional Review Act Re: Dodd-Frank Section 1071 A bill to provide for the regulation of payment stablecoins, and for other purposes. Anti-money laundering regulation - digital assets Bank mergers Beneficial Ownership Cannabis Banking/Reintroduction of SAFE Banking Act Central Bank Digital Currency Check Fraud Climate Risk Disclosure Requirements Climate Related Financial Regulation Congressional Review Act Resolution of Disapproval for CFPBs Final Rule relating to Small Business Lending Under ECOA Community Bank Access to Capital Community Development Financial Institutions (CDFI) Fund Appropriations 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 Deposit insurance reform Digital Assets Regulation Dodd Frank Act 1071- Small Business Loan Data Collection Durbin Amendment on Credit Card Routing; Extension to Credit Cards FDIC Deposit Insurance Assessments FDIC Deposit Insurance Policy Federal Reserve Master Accounts FHFA Capital Rules Financial Data Privacy Flood Insurance Implementation of Dodd Frank Act Section 1071 Implementation issues with the Anti-Money Laundering Act of 2020 Industrial Loan Company Charter Policy Interest rate caps Legality Special Purpose Credit Programs Military Base Rent Parity Minority depository institutions 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 SBA Direct 7(a) Direct Lending Stablecoin, Crypto Currency Regulatory Policy Stablecoins

Client expense: $905,580 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), 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, Small Business Administration (SBA), Treasury, Dept of

National Defense Authorization Act for Fiscal Year 2024 (H.R. 4346 and S. 2226), H.R. 4346 CHIPS and Science Act (Public Law 117-167) Issues related to cybersecurity and microelectronics, CHIPS Act funding and implementation, procurement and supply chain requirements, DOD R&E Microelectronic Programs, and the National Environmental Policy Act

Client expense: $1,690,000 · Firm income: Not reported

Government targets: Defense, Dept of (DOD), HOUSE OF REPRESENTATIVES, SENATE

CHIPS Act implementation H.R. 4346 - CHIPS+ Act H.R. 3684 - Infrastructure Investment and Jobs Act implementation H.R. 5376 - Inflation Reduction Act Critical Supply Chain Issues (batteries, semiconductors etc.) Chemical and materials manufacturing issues and clean energy manufacturing

Client expense: $140,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Energy, Dept of, HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), SENATE, Treasury, Dept of, White House Office

Legislative monitoring and outreach related to technology issues involving 5G H.R. 1377, Promoting United States Wireless Leadership Act of 2023 H.R. 1340, Open RAN Outreach Act Monitor legislative and administrative action regarding sanctions on the Russian Federation and Belarus Legislative monitoring and outreach related to the implementation of H.R. 3684, Infrastructure Investment Jobs Act (P.L. 117-58) Implementation of H.R. 4346, CHIPS Act of 2022 (P.L. 117-167) H.R. 285, Cybersecurity Vulnerability Remediation Act H.R. 1123, Understanding Cybersecurity of Mobile Networks Act S. 686, RESTRICT Act S. 917, Securing Open Source Software Act of 2023 H.R. 2670, National Defense Authorization Act H.R. 1135, Connecting Economic Coercion Act S. 686, Restrict Act S. 2226, National Defense Authorization Act Legislative monitoring and outreach relating to artificial intelligence issues Legislative monitoring and outreach relating to outbound investment issues Legislative monitoring and outreach relating to cybersecurity issues S. 2321, Commerce-Justice-Science Appropriations Act H.R. 4367, Homeland Security Appropriations Act S. 2625, Homeland Security Appropriations Act H.R. 4665, State-Foreign Operations Appropriations Act S. 2438, State-Foreign Operations Appropriations Act H.R. 5860, Continuing Appropriations Act

Client expense: Not reported · Firm income: $90,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE, White House Office

Issues relating to economic development of distressed communities, including IRC section 1400Z, S.4065, H.R.7467, and H.R.5761. Issues relating to non-compete agreements and their effects on economic dynamism, including S.220 and H.R.731. Issues relating to demographic trends, labor force issues and the availability of human capital, including immigration. Issues relating to inclusive wealth building and retirement security, including H.R.9462 and S.5271. Issues related to increasing technology and innovation, including H.R.4346.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE