Earned Wage Access Consumer Protection Act

89 FR 61358 - Consumer Credit Offered to Borrowers in Advance of Expected Receipt of Compensation for Work: issues related to earned wage access. 89 FR 8084 - Regulatory Publication and Review Under the Economic Growth and Regulatory Paperwork Reduction Act of 1996: issues related to customer information program reform. 89 FR 101402 - Protecting Americans from Harmful Data Broker Practices (Regulation V): issues related to the proposed rule expanding the scope of the Fair Credit Reporting Act (FCRA) to cover data brokers and related activity. S.772 - Employer Participation in Repayment Act, all provisions. H.R.1602 - Financial Privacy Act of 2025: issues related to BSA reform. H.R.7428 - Earned Wage Access Consumer Protection Act, all provisions. S.3541 - Fair Audits and Inspections for Regulators Exams Act, all provisions. Continuing the Reduction of the Federal Bureaucracy Executive Order: issues related to the Community Development Financial Institutions Fund. Issues related to the nomination of Bill Briggs for SBA Deputy Director.

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

Government targets: Consumer Financial Protection Bureau (CFPB), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of, White House Office

H.R.7428 - Earned Wage Access Consumer Protection Act Issues related to financial services and earned wage access.

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

Government targets: Consumer Financial Protection Bureau (CFPB), HOUSE OF REPRESENTATIVES, SENATE

Supporting the continued operations of the CFPB's complaint portal and intake system; Urging the FTC to reopen its Click-to-Cancel rulemaking; Examining impact of BNPL loans getting reported to consumer credit agencies; H.R. 7428 - Earned Wage Access Consumer Protection Act, a bill to declare that earned wage advances and other fintech cash advances are not credit and exempting them from federal lending laws and cost disclosures;

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

Government targets: Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), Office of Personnel Management (OPM), Office of the Comptroller of the Currency (OCC), SENATE

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

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

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

H.R.7428 - Earned Wage Access Consumer Protection Act Issues related to financial services and earned wage access.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

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

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

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

H.R.7428 - Earned Wage Access Consumer Protection Act Issues related to financial services and earned wage access.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

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

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

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

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

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

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

89 FR 61358 - Consumer Credit Offered to Borrowers in Advance of Expected Receipt of Compensation for Work: issues related to earned wage access. 89 FR 8084 - Regulatory Publication and Review Under the Economic Growth and Regulatory Paperwork Reduction Act of 1996: issues related to customer information program reform. 89 FR 101402 - Protecting Americans from Harmful Data Broker Practices (Regulation V): issues related to the proposed rule expanding the scope of the Fair Credit Reporting Act (FCRA) to cover data brokers and related activity. S.772 - Employer Participation in Repayment Act, all provisions. H.R.1602 - Financial Privacy Act of 2025: issues related to BSA reform. H.R.7428 - Earned Wage Access Consumer Protection Act, all provisions. S.3541 - Fair Audits and Inspections for Regulators Exams Act, all provisions. Continuing the Reduction of the Federal Bureaucracy Executive Order: issues related to the Community Development Financial Institutions Fund. Issues related to the nomination of Bill Briggs for SBA Deputy Director.

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

Government targets: Consumer Financial Protection Bureau (CFPB), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of, White House Office

H.R.7428 - Earned Wage Access Consumer Protection Act Issues related to financial services and earned wage access.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 7428, Earned Wage Access Consumer Protection Act

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to H.R. 7428 - Earned Wage Access Consumer Protection Act.

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

Government targets: HOUSE OF REPRESENTATIVES

H.R. 7428 Earned Wage Access Consumer Protection Act (issues related to earned wage access); issues generally related to bank and fintech partnerships (no specific legislation introduced or pending 2024 Q4)

Client expense: $320,000 · 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 Residential solar energy financing such as PACE loans Treatment of medical debt on credit reports Bureau efforts to amend Regulation X, and urging that it contain language access H.R. 7428 - Earned Wage Access Consumer Protection Act, a bill to declare that earned wage advances and other fintech cash advances are not credit and exempting them from federal lending laws and cost disclosures. 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: $74,000 · 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

H.J.Res. 195 Providing for Congressional Disapproval of the CFPB rule relating to Truth in Lending (Regulation Z), Use of Digital User Accounts to Access Buy Now, Pay Later Loans"; Earned Wage Access Consumer Protection Act (H.R. 7428)

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

Government targets: HOUSE OF REPRESENTATIVES

H.R.7428 - Earned Wage Access Consumer Protection Act, issues related to fintech and financial services. H.R.9767 - Promoting and Advancing Communities of Color Through Inclusive Lending Act, issues related to technological opportunities and technology grants for minority depository institutions and community development financial institutions.

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

Government targets: HOUSE OF REPRESENTATIVES

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

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Legislative proposals impacting banking services for financial services providers; Payday, Vehicle Title, and Certain High-Cost Installment Loans; Federal policy relating to anticipated Consumer Financial Protection Bureau regulation of consumer financial services including payday and auto title lending, and regulatory process; H.R.1382, TABS Act of 2023; H.R.1165, Data Privacy Act of 2023; H.R.2798, CFPB Transparency and Accountability Reform Act; S.3549, Predatory Lending Elimination Act; H.R.7428, Earned Wage Access Consumer Protection Act; H.R.10036, Civil Investigative Demand Reform Act of 2024.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to H.R. 7428 - Earned Wage Access Consumer Protection Act.

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

Government targets: HOUSE OF REPRESENTATIVES

H.R. 7428, Earned Wage Access Consumer Protection Act

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Legislative proposal (Luetkemeyer) relating to access to banking services for financial services providers. Federal policy relating to anticipated Consumer Financial Protection Bureau regulation of consumer financial services including payday, auto title lending, and regulatory process. Legislation relating to federal regulation of interest rates on financial products, including: H.J.Res.122 - Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to "Payday, Vehicle Title, and Certain High-Cost Installment Loans", S.J.Res.56 - A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Payday, Vehicle, Title, and Certain High-Cost Installment Loans". Legislative proposals H.R. 3299 Protecting Consumer's Access to Credit Act of 2017" and H.R. 4439 "Modernizing Credit Opportunities Act. Amendment to the House of Representatives National Defense Authorization Act expanding the application of the Consumer Financial Protection Bureau's "Payday, Vehicle Title, and Certain High-Cost Installment Loans"; and S 1230 "Protecting Consumers from Unreasonable Credit Rates Act of 2019." Implementation of CARES Act (PL 116-136), provisions relating to the payroll protection program. HR 5050 - "Veterans and Consumers Fair Credit Act," provisions relating to federal regulation of interest rates on financial products. Legislative proposal H.R. 4128 (Payne) "Payment Choice Act of 2023", to ensure that U.S. currency is treated as legal tender to be accepted as payment for purchases of goods and services. Legislative proposal H.R. 7428 (Steil) "Earned Wage Access Consumer Protection Act", to regulate the business of offering and providing earned wage access services to consumers, and for other purposes.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.J.Res. 195 Providing for Congressional Disapproval of the CFPB rule relating to Truth in Lending (Regulation Z), Use of Digital User Accounts to Access Buy Now, Pay Later Loans"; Earned Wage Access Consumer Protection Act (H.R. 7428); Empowering Law Enforcement to Combat Financial Fraud Act (H.R. 9480)

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

Government targets: HOUSE OF REPRESENTATIVES

H.R.7428 - Earned Wage Access Consumer Protection Act, issues related to fintech and financial services. H.R.9767 - Promoting and Advancing Communities of Color Through Inclusive Lending Act, issues related to fintech and financial services. 89 FR 50048 - Request for Information on Uses, Opportunities, and Risks of Artificial Intelligence in the Financial Services Sector, all provisions. 89 FR 47068 - Truth in Lending (Regulation Z); Use of Digital User Accounts To Access Buy Now, Pay Later Loans, all provisions.

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

Government targets: Consumer Financial Protection Bureau (CFPB), HOUSE OF REPRESENTATIVES

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 Bank-Fintech Arrangements Involving Banking Products and Services Junk fees imposed by providers of consumer financial products and services, including mortgage closing costs Third party intermediaries and associated risk in wake of Synapse collapse Urging guidance on Tariffed On-Bill (TOB), Inclusive Utility Investment (IUI) and Pay As You Save (PAYS) green financing models Residential solar energy financing such as PACE loans Reforming Industrial Loan Company chartering rules Treatment of medical debt on credit reports Bureau efforts to amend Regulation X, and urging that it contain language access H.R. 7428 - Earned Wage Access Consumer Protection Act, a bill to declare that earned wage advances and other fintech cash advances are not credit and exempting them from federal lending laws and cost disclosures. 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. 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: $79,000 · 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

Legislative proposals impacting banking services for financial services providers; Payday, Vehicle Title, and Certain High-Cost Installment Loans; Federal policy relating to anticipated Consumer Financial Protection Bureau regulation of consumer financial services including payday and auto title lending, and regulatory process; H.R.1382, TABS Act of 2023; H.R.1165, Data Privacy Act of 2023; H.R.2798, CFPB Transparency and Accountability Reform Act; S.3549, Predatory Lending Elimination Act; H.R.7428, Earned Wage Access Consumer Protection Act.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 7428 Earned Wage Access Consumer Protection Act (issues related to earned wage access); issues generally related to bank partnerships (no specific legislation introduced or pending 2024 Q3)

Client expense: $440,000 · Firm income: Not reported

Government targets: Federal Deposit Insurance Corporation (FDIC), HOUSE OF REPRESENTATIVES, SENATE

H.R. 7428, Earned Wage Access Consumer Protection Act

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to H.R. 7428 - Earned Wage Access Consumer Protection Act.

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

Government targets: HOUSE OF REPRESENTATIVES

U.S. House of Representatives, U.S. Senate, Department of Labor (DOL), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), Federal Trade Commission (FTC) S.3014, the FTC Redo Act - a bill to rescind the Federal Trade Commission's rulemaking related to fraud and abusive practices in automotive retailing and finance. H.R. 7440 - Financial Services Innovation Act of 2023, a bill that would allow companies to force agencies to shirk their statutory duties to enforce the law and protect consumers. H.R. 7428 - Earned Wage Access Consumer Protection Act, a bill to declare that earned wage advances and other fintech cash advances are not credit and exempting them from federal lending laws and cost disclosures. H.R. 8338, the Clarity in Lending Act, a bill to regulate small-dollar, short-term credit products, to protect the privacy of lenders, and to improve the unfair, deceptive, or abusive acts or practices authority of the Bureau of Consumer Financial Protection, and for other purposes. H.R. 8356, Small Dollar Loan Certainty Act, a bill to amend the Truth in Lending Act to allow covered entities to offer small-dollar credit products H.R. 6789, the Rectifying UDAAP Act, a bill to amend the Consumer Financial Protection Act of 2010 to clarify standards for UDAAP enforcement actions brought by the Bureau of Consumer Financial Protection, and for other purposes.

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

Government targets: Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), 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 related to cryptocurrency; H.R. 4736, Financial Innovation and Technology for the 21st Century Act; H.R. 7428, Earned Wage Access Consumer Protection Act; H.J.Res.109, Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Securities and Exchange Commission relating to "Staff Accounting Bulletin No. 121"; H.R. 6572, Deploying American Blockchains Act of 2023.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 7428, Earned Wage Access Consumer Protection Act

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to earned wage access. HR 7428-Earned Wage Access Consumer Protection Act

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

Government targets: HOUSE OF REPRESENTATIVES

H.R.7428 - Earned Wage Access Consumer Protection Act, all provisions. H.R.3556 - Increasing Financial Regulatory Accountability and Transparency Act, all provisions.

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

Government targets: HOUSE OF REPRESENTATIVES

Legislative proposals impacting banking services for financial services providers; Payday, Vehicle Title, and Certain High-Cost Installment Loans; Federal policy relating to anticipated Consumer Financial Protection Bureau regulation of consumer financial services including payday and auto title lending, and regulatory process; H.R.1382, TABS Act of 2023; H.R.1165, Data Privacy Act of 2023; H.R.2798, CFPB Transparency and Accountability Reform Act; S.3549, Predatory Lending Elimination Act; H.R.7428, Earned Wage Access Consumer Protection Act.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 7428 Earned Wage Access Consumer Protection Act (issues related to earned wage access); issues generally related to bank partnerships (no specific legislation introduced or pending 2024 Q2)

Client expense: $300,000 · Firm income: Not reported

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

Legislative proposal (Luetkemeyer) relating to access to banking services for financial services providers. Federal policy relating to anticipated Consumer Financial Protection Bureau regulation of consumer financial services including payday, auto title lending, and regulatory process. Legislation relating to federal regulation of interest rates on financial products, including: H.J.Res.122 - Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to "Payday, Vehicle Title, and Certain High-Cost Installment Loans", S.J.Res.56 - A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Payday, Vehicle, Title, and Certain High-Cost Installment Loans". Legislative proposals H.R. 3299 Protecting Consumer's Access to Credit Act of 2017" and H.R. 4439 "Modernizing Credit Opportunities Act. Amendment to the House of Representatives National Defense Authorization Act expanding the application of the Consumer Financial Protection Bureau's "Payday, Vehicle Title, and Certain High-Cost Installment Loans"; and S 1230 "Protecting Consumers from Unreasonable Credit Rates Act of 2019." Implementation of CARES Act (PL 116-136), provisions relating to the payroll protection program. HR 5050 - "Veterans and Consumers Fair Credit Act," provisions relating to federal regulation of interest rates on financial products. Legislative proposal H.R. 4128 (Payne) "Payment Choice Act of 2023", to ensure that U.S. currency is treated as legal tender to be accepted as payment for purchases of goods and services. Legislative proposal H.R. 7428 (Steil) "Earned Wage Access Consumer Protection Act", to regulate the business of offering and providing earned wage access services to consumers, and for other purposes.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

No bill number. Discussed Regulation E. No bill number. Discussed Peer-to-Peer Platform protections. H.R. 7428, the Earned Wage Access Consumer Protection Act. H.R. 8588, the Linking Seniors to Needed Legal Services Act. No bill number. Discussed family caregiving and Older Americans Act reauthorization. No bill number. Discussed National Plan on Aging.

Client expense: $5,170,000 · Firm income: Not reported

Government targets: Commodity Futures Trading Commission (CFTC), Consumer Financial Protection Bureau (CFPB), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), SENATE, White House Office

No bill number. Discussed Investor protection and education. No bill number. Discussed digital trading platforms. No bill number. Discussed crypto currency. H.R. 7428, the Earned Wage Access Consumer Protection Act.

Client expense: $5,170,000 · Firm income: Not reported

Government targets: Commodity Futures Trading Commission (CFTC), Consumer Financial Protection Bureau (CFPB), HOUSE OF REPRESENTATIVES, SENATE, Securities & Exchange Commission (SEC)

Issues related to H.R. 7428 - Earned Wage Access Consumer Protection Act.

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

Government targets: HOUSE OF REPRESENTATIVES

Regulatory reform, Stop Corporate Capture Act (H.R. 1507),GOOD Act (H.R. 890), Guidance Clarity Act (H.R. 4428), REINS Act (H.R. 277), Support for: H.R. 1507, H.R. 4116, H.R. 4206, H.R. 7437; opposition to: H.R. 7440, H.R. 7428, H.R. 5535, H.R. 802, H.J. Res. 122, H.J. Res. 127, H.J. Res. 120, H.J. Res. 125, H.J. Res. 126, H.J. Res. 124. Support for: H.R. 4116, H.R. 4206, H.R. 7437 Settlement Agreement Information Database Act of 2023 (H.R. 300); SMART Act (S. 2801); Comment Integrity and Management Act of 2024 (H.R. 7528) dynamic pricing and consumer financial protection, forced arbitration, product safety, CPSC priorities hearing, product safety and CPSC funding, APRA, COPPA 2.0 bill, facial recognition bill, APRA, deepfakes, KOSA, Defiance Act, AI Task Force, APRA, AICOA, Coppa 2.0 and KOSA,

Client expense: $73,300 · Firm income: Not reported

Government targets: Consumer Product Safety Commission (CPSC), Federal Communications Commission (FCC), HOUSE OF REPRESENTATIVES, Office of Management & Budget (OMB), SENATE

Financial Technology ("Fintech") SEC funding and riders in appropriations bills digital assets regulation HR 4766 Clarity for Payment Stablecoin Act HR 4763 The Financial Innovation and Technology for the 21st Century Act Digital assets regulation (stablecoins) Dodd-Frank 956 rulemaking H.R. 7440 - Financial Services Innovation Act H.R. 7428 - Earned Wage Access Protection Act

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

Government targets: Commodity Futures Trading Commission (CFTC), Consumer Financial Protection Bureau (CFPB), Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE, Securities & Exchange Commission (SEC)

Legislative proposal (Luetkemeyer) relating to access to banking services for financial services providers. Federal policy relating to anticipated Consumer Financial Protection Bureau regulation of consumer financial services including payday, auto title lending, and regulatory process. Legislation relating to federal regulation of interest rates on financial products, including: H.J.Res.122 - Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to "Payday, Vehicle Title, and Certain High-Cost Installment Loans", S.J.Res.56 - A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Payday, Vehicle, Title, and Certain High-Cost Installment Loans". Legislative proposals H.R. 3299 Protecting Consumer's Access to Credit Act of 2017" and H.R. 4439 "Modernizing Credit Opportunities Act. Amendment to the House of Representatives National Defense Authorization Act expanding the application of the Consumer Financial Protection Bureau's "Payday, Vehicle Title, and Certain High-Cost Installment Loans"; and S 1230 "Protecting Consumers from Unreasonable Credit Rates Act of 2019." Implementation of CARES Act (PL 116-136), provisions relating to the payroll protection program. HR 5050 - "Veterans and Consumers Fair Credit Act," provisions relating to federal regulation of interest rates on financial products. Legislative proposal H.R. 4128 (Payne) "Payment Choice Act of 2023", to ensure that U.S. currency is treated as legal tender to be accepted as payment for purchases of goods and services. Legislative proposal H.R. 7428 (Steil) "Earned Wage Access Consumer Protection Act", to regulate the business of offering and providing earned wage access services to consumers, and for other purposes.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 7428 Earned Wage Access Consumer Protection Act (issues related to earned wage access); issues generally related to consumer liquidity products law and regulation (no specific legislation introduced or pending 2024 Q1); issues generally related to bank and fintech partnerships (no specific legislation introduced or pending 2024 Q1)

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

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