Financial Institution Regulatory Tailoring Enhancement Act

Discussions regarding company's associate and consumer financial services offerings Discussions regarding H.R. 6398: Financial Institution Regulatory Tailoring Enhancement Act

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to the retail payments market, swipe fee reform, the Credit Card Competition Act - S. 1838/H.R. 3881 Regulation II - debit routing and debit regulated rate Issues related to coin circulation Secure Payments Act - H.R. 7531/S. 4570 Issues related to debit asset threshold, H.R. 6398/H.R. 8337 FAA reauthorization amendments, H.R. 3935

Client expense: $460,000 · Firm income: Not reported

Government targets: Federal Reserve System, 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

Discussions regarding H.R. 6398 - Financial Institution Regulatory Tailoring Enhancement Act.

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

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