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Anti-CBDC Surveillance State Act
Legislative Progress
Momentum (last 30 days)
0
score
0 actions · 0 new cosponsors · 0 votes
Speed vs cohort
92pct
133d open
vs 10,940 other HR bills in the 119th — cohort avg 30d
Anti-CBDC Surveillance State Act This bill prohibits a Federal Reserve bank from offering products or services directly to an individual, maintaining an account on behalf of an individual, or issuing a central bank digital currency (i.e., a digital dollar). Further, the Board of Governors of the Federal Reserve System is prohibited from using a central bank digital currency to implement monetary policy or from testing, studying, creating, or implementing a central bank digital currency, with exceptions as provided by the bill.
Yes
219
No
210
Present
0
Not Voting
3
Party Breakdown
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Filing registrants (16)
Motion to reconsider laid on the table Agreed to without objection.
On passage Passed by the Yeas and Nays: 219 - 210 (Roll no. 201). (text of amendment in the nature of a substitute: CR H3427-3428)
HousePassed/agreed to in House: On passage Passed by the Yeas and Nays: 219 - 210 (Roll no. 201).
HouseConsidered as unfinished business. (consideration: CR H3450)
POSTPONED PROCEEDINGS - At the conclusion of debate on H.R. 1919, the Chair put the question on passage of the bill and by voice vote, announced that the ayes had prevailed. Ms. Waters demanded the yeas and nays and the Chair postponed further proceedings until a time to be announced.
The previous question was ordered pursuant to the rule.
DEBATE - The House proceeded with one hour of debate on H.R. 1919.
Rule provides for consideration of H.R. 4016, H.R. 3633, H.R. 1919 and S. 1582. The resolution provides for consideration of H.R. 4016 and H.R. 3633 under a structured rule, and H.R. 1919 and S. 1582 under a closed rule, with one hour of general debate on each bill. The resolution provides for a motion to recommit on H.R. 4016, H.R. 3633, and H.R. 1919, and a motion to commit on S. 1582.
Bills with similar content found using semantic analysis.
Sources: Congress.gov · House Clerk roll-call votes
| #201 | house | On Passage | Passed | July 17, 2025 |
2026 · third_quarter · Banking
H.R. 478/S. 113, Promoting New Bank Formation Act S. 875/H.R. 2702, Financial Integrity and Regulation Management (FIRM) Act H.R. 1919/S. 1124, the Anti-CBDC Surveillance State Act H.R. 976/S. 557, the 1071 Repeal to Protect Small Business Lending Act H.R. 2392, the Stablecoin Transparency and Accountability for a Better Ledger Economy Act of 2025 (STABLE Act) S. 394/ S.919, Guiding and Establishing National Innovation for U.S. Stablecoins Act (GENIUS) S.3623/H.R.7035, Credit Card Competition Act of 2026 H.R. 1944/S. 381, the 10 Percent Credit Card Interest Rate Cap Act H.R. 654, the Taking Account of Bureaucrats Spending (TABS) Act of 2025 H.R. 987/S. 401, the Fair Access to Banking Act H.R. 1652, the Rectifying UDAAP Act H.R. 3445, the Bureau of Consumer Financial Protection Commission Act H.R. 1653, the CID Reform Act Business of Insurance Regulatory Reform Act H.R. 2513, CFPB-IG Reform Act H.R. 2183, the CFPB Dual Mandate and Economic Analysis Act H.R. 2331, the Transparency in CFPB Cost-Benefit Analysis Act H.R. 1606, the Making the CFPB Accountable to Small Business Act Cybersecurity Information Sharing Act Community Development Financial Institutions (CDFI) Fund Secure and Fair Enforcement (SAFE) Banking Act Regulatory Tailoring Community Reinvestment Act Deposit Insurance Reform S.4198/H.R.8087, the Main Street Depositor Protection Act National Bank Preemption H.R. 306, the Ending Scam Credit Repair Act Bank On Certification Program Central Bank Digital Currency Cryptocurrency Stablecoin Digital Assets Bank Capital Requirements/Basel Capital Proposal UDAAP Supervisory Policies and Adjudication Procedures Applying Community Reinvestment Act to credit unions Merchant Category Codes H.R. 1181, Protecting Privacy in Purchases Act H.R.1602, Financial Privacy Act of 2025 Foreign Affiliate Sharing Pilot Program Extension Act Financial Innovation and Technology for the 21st Century Act H.R.2885, Bank Loan Privacy Act H.R. 941, Small Lender 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 Artificial Intelligence Risk Management, Regulation, and Innovation CDFI Certification & Funding Federal Reserve Discount Window and Emergency Lending Authority Tokenization of Assets Fraud Issues Peer-To-Peer Payment Fraud Financial Data Transparency Act Rulemaking FDIC Brokered Deposit Proposal H.R. 3633, the Digital Asset Market Clarity (CLARITY) Act of 2025 H.R.1900 - Bank Failure Prevention Act of 2025 H.R.3230 - Financial Institution Regulatory Tailoring Enhancement Act H.R.8287 - Stress Testing Accountability and Transparency Act H.R. 2835, the Small Bank Holding Company Relief Act H.R. 3709, the Advancing the Mentor-Protege Program for Small Financial Institutions Act H.R. 3716, the Systemic Risk Authority Transparency Act H.R. 940, the Fair Audits and Inspections for Regulators' (FAIR) Exams Act H.R. 3379, the Halting Uncertain Methods and Practices in Supervision (HUMPS) Act of 2025 H.R. 3380, the Taking Account of Institutions with Low Operation Risk (TAILOR) Act of 2025 S. 2019 / H.R. 4936, Taskforce for Recognizing and Averting Payment Scams Act, or TRAPS Act H.R. 3390, the Bringing the Discount Window into the 21st Century Act H.R. 4460, the Stop Agency Fiat Enforcement of Guidance (SAFE Guidance) Act H.R. 3446, the FDIC Board Accountability Act H.R. 4544, The American Access to Banking Act H.R. 4478, the Tailored Regulatory Updates for Supervisory Testing Act of 2025 (TRUST Act) H.R. 4437, the Supervisory Modifications for Appropriate Risk-Based Testing Act of 2025 (SMART Act) H.R. 5270, the Stress Testing Accountability and Transparency Act H.R. 5276, the Community Bank Leverage Improvement and Flexibility for Transparency (Community Bank LIFT) Act H.R. 5291, the Merchant Banking Modernization Act H.R. 5262, the Bank Competition Modernization Act Legislation to support Minority Depository Institutions H.R. 6553, the Tailoring and Indexing Enhanced Regulations (TIER) Act H.R. 6554, the Community Bank Representation Act H.R. 6536, Rural Depositories Revitalization Study Act H.R. 6551, the New Bank Application Numbers Knowledge Act (New BANK) Act H.R. 6546, Merger Process Review Act H.R. 6570, the Merger Agreement Approvals Clarity and Predictability Act H.R. 6544, The Regulatory Efficiency, Verification, Itemization, and Enhanced Workflow (REVIEW) Act H.R. 6550, the American Financial Institution Regulatory Sovereignty and Transparency (American FIRST) Act H.R. 6555, the Enhancing Bank Resolution Participation Act Ensuring Fair Access to Banking Act H.R. 6955, the Main Street Capital Access Act H.R. 7056, the Community Bank Regulatory Tailoring Act S.3940, the Access to Fair Financing for Opportunity and Resilient Development (AFFORD) Act S. 3017, the STREAMLINE Act H.R. 1799, the Financial Reporting Threshold Modernization Act H.R. 8278, Fostering the Use of Technology to Uphold Regulatory Effectiveness in Supervision (FUTURES) Act H.R. 9331, the Strengthening Transaction Oversight Preventing (STOP) Payments Fraud Act H.R. 9471/S. 4942, the Secure and Fair Enforcement Banking Act (SAFE Banking Act) of 2026 H.R. 8395, the Payments Access and Consumer Efficiency (PACE) Act H.R. 7866 / S. 3889, American Lending Fairness Act of 2026 H.R. 9668, the Safeguarding Transactions to Outpace Predatory (STOP) Senior Fraud Act
Client expense: $3,100,000 · Firm income: Not reported
Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of
2026 · third_quarter · Financial Institutions/Investments/Securities
General education around digital assets and decentralized AI To require the Secretary of the Treasury to develop a public-private partnership program with decentralized protocol developers and specialized auditing firms to examine embedded supervision and regulation of decentralized protocols, and for other purposes. H.R. 148, Keep Your Coins Act of 2025 S. 919, GENIUS Act H.R. 2392, STABLE Act H.R. 2384, Financial Technology Protection Act H.R.216, Securities Enforcement Clarity Act of 2025 H.R. 2365, Securities Clarity Act H.R.2032, BITCOIN Act H.Res.248, Resolution emphasizing the importance and power of distributed ledger technologies (DLT) to support democratic governance, human rights, internet freedom, and transparency. H.R. 1919, Anti-CBDC Surveillance State Act Legislation related to digital asset market structure legislation - HR 3633 (CLARITY Act) and the Responsible Financial Innovation Act of 2025. HR 1 (One Big Beautiful Bill Act) Issues related to the tax treatment of digital assets H.R.8149 - To amend the Internal Revenue Code of 1986 to clarify the tax treatment of digital asset rewards.
Client expense: $310,000 · Firm income: Not reported
2026 · third_quarter · Banking
Protect the credit union tax exemption Support legislation and regulation that advance credit unions and their over 146 million members Support regulatory relief for credit unions Support holistic evaluation of regulatory burden on credit unions Support modification of credit union loan maturity limits Support credit union field of membership expansion and modernization Support regulator- and bank-approved credit union-bank mergers Support financial inclusion and increased access to financial services Support modifying the credit union member business lending cap Support NCUAs existence as an independent regulator and insurer of credit unions Support assistance for minority depository institution credit unions Support regulatory relief for de novo credit unions Support harmonization of federal cyber incident notification standards Oppose Community Reinvestment Act requirements for credit unions Oppose legislative action to restrict credit union overdraft and courtesy pay programs Support regulatory framework for artificial intelligence that allows responsible innovation and recognizes credit unions compliance with existing regulations Support allowing use of artificial intelligence for regulatory reporting purposes Support mandatory arbitration agreements Oppose national interest rate cap Oppose national credit card interest rate cap Support expanded natural person and corporate credit union investment authority Support expanded credit union examination cycle Support increased examination transparency Support regulatory policies to promote innovation and access to credit Support Central Liquidity Facility and Community Development Revolving Loan Fund enhancements Oppose NCUA examination of credit union vendors Oppose National Credit Union Share Insurance Fund structural changes or premium assessment Support parity in deposit insurance coverage levels between credit unions and banks Oppose additional Call Report fields on loans to credit union officials and senior executive staff Oppose additional Call Report fields on maturity distribution of uninsured shares Oppose NCUA Call Report collection of overdraft and NSF fee revenue data Support modernization and simplification of Call Report form and instructions Oppose collection of vendor information in NCUA Credit Union Profile Oppose changes to NCUA collection forms outside rulemaking process Support NCUA review of normal operating level and methodology Oppose NCUA rule on succession planning Oppose excessive NCUA requirements for supervisory committee audits Support NCUA action to reduce scope of supervisory committee examination Support NCUA recognition of digital banking in service facility definition Support clarification of NCUA member expulsion regulations Support NCUA proposed rule on increasing overdraft flexibility Support NCUA recognition of government sponsored enterprises as government agencies for loan maturity limit purposes Support NCUA adoption of floating interest rate cap Support modification of NCUA commercial loan definition Support increased flexibility in NCUA occupancy requirements Support NCUA action to clarify loan participation limits Support NCUA modification of low-income designation process Support expanding NCUA qualified charity definition Support allowing greater weighted average life for corporate credit unions financial assets Support extension of maturity limit for corporate credit union borrowing Support increased flexibility for advertising and notice of insured status Support increased compliance timeline for NCUA simplification of share insurance rule Support balanced implementation of debanking executive order Support increased NCUA efforts to promote credit union industry Support modernization and streamlining of NCUA operations Support NCUA supervisory flexibility for credit union shutdown assistance efforts Support NCUA and FFIEC action to modernize CAMELS rating system Support modernization of NCUA fidelity bond review requirements Support increased threshold for Depository Institution Management Interlocks Act major assets prohibition Support clarification of Federal Credit Union Act preemption of state interchange laws Support making CFPB subject to regular appropriations process Support increased CFPB budget transparency Support restructuring CFPB leadership to a bipartisan commission Support creation of a CFPB Inspector General Support reforms to CFPB Civil Investigative Demand process Support increasing and indexing asset thresholds for CFPB supervision of credit unions Support clarification of CFPB unfair, deceptive, or abusive acts and practices authority Support CFPB use of Section 1022 authority to exempt credit unions from certain regulations Support CFPB oversight and monitoring of nonbank entities Oppose CFPB efforts to avoid requirements of the rulemaking process Support CFPB use and disclosure of relevant data in rulemakings Support CFPB use of cost-benefit analysis in rulemaking process Support CFPB coordination with NCUA on policy matters and examination scheduling Oppose mislabeling financial services fees as junk fees Oppose arbitrary limits on credit union fee income Oppose CFPB efforts to restrict information in credit reports Support CFPB engaging in ongoing retrospective review of past regulations Support CFPB consumer complaint database reforms Support CFPB no-action letter program with extended timeline and increased protection of sensitive strategic information Oppose expansion of consumer report and consumer reporting agency definitions under the Fair Credit Reporting Act/Regulation V Support consumer protection regulations for buy-now-pay-later loan providers Support inclusion of buy-now-pay-later loans in FHA underwriting Support CFPB use of Civil Penalty Fund for consumer financial education Support increase of Home Mortgage Disclosure Act reporting thresholds Support reforms to increase flexibility for TILA-RESPA Integrated Disclosure requirements Support inclusion of eligibility language for VA loans in FHA Informed Consumer Choice Disclosure Notice Support credit union access to universal service fund letters of credit program Support federal data privacy and security standard that exempts Gramm-Leach-Bliley Act covered institutions, preempts state laws, operates on an opt-out basis, recognizes the complexity of data deletion, and does not authorize private right of action Support increased transparency for fintech bank charter applications Support Treasury development of model forms and qualified vehicle list for auto loan interest deduction Support safe harbor for credit unions related to the auto loan interest deduction Support clarification of remittance transfer tax exemptions Support inclusion of credit unions in Trump Accounts program Oppose development of a central bank digital currency Support credit union access to Federal Reserve liquidity options Support gradual expansion of Fedwire and National Settlement Service operating hours with optional participation Oppose addition of fourth same-day ACH window Support expanded flexibility for accessing the Fed discount window and intraday credit Oppose expanded eligibility for Federal Reserve master account access Oppose Regulation II debit interchange fee cap Oppose Federal Reserve proposed rule on modifying Regulation II debit interchange cap Support improvements to the Federal Reserves Debit Card Issuer Survey Oppose legislative action to impose caps or restrictions on debit or credit interchange fees Oppose legislative action to prohibit the Federal Reserve from paying interest on reserves Support Federal Reserve action to coordinate regulatory guidance on penny circulation issues and management of penny supply Support continued offering of Federal Reserve check services Oppose expansion of Electronic Fund Transfer Act/Regulation E financial institution liability Support fair distribution of Electronic Fund Transfer Act/Regulation E error resolution responsibilities Support clarification of funds definition under Electronic Fund Transfer Act/Regulation E Support clarification of Electronic Fund Transfer Act/Regulation E treatment of digital assets Support increased flexibility for check holds and funds availability requirements Support transition to electronic payments for government payments Support clarification of Section 314(b) information sharing safe harbor for identifying and preventing payments fraud and additional flexibility for annual renewal requirement Support greater flexibility for credit unions to decline services with clear indicia of fraud or elder abuse Support parity for credit union provision of digital asset services and related regulations Prevent competitive disadvantages for credit unions and market distortions related to the integration of digital assets into traditional financial products Support Treasury and NCUA action to implement regulatory framework for stablecoin issuance Support NCUAs role as primary regulator of credit unions stablecoin activities Oppose treating stablecoins or digital assets as federally insured Oppose payment of interest, yield, or rewards on stablecoin holdings Support digital assets guardrails to prevent deposit outflows Support clarifying credit unions authority to provide custodial services for their members Support safeguards for rehypothecation of digital assets Support reduced government-sponsored enterprises costs for credit union mortgages Support secondary mortgage market access for credit unions Support continued role for FHFA as an independent regulator Support credit union access to Federal Home Loan Bank system Support expansion of Federal Home Loan Bank Act community financial institution definition Support Federal Home Loan Bank engagement with credit unions Oppose adoption of volume-based incentives for Federal Home Loan Banks Support Federal Home Loan Bank allocations to the Affordable Housing Program Support FinCEN implementation of the Corporate Transparency Act Support risk-based approach to anti-money laundering/countering financing of terrorism program requirements Support increasing Currency Transaction Report and Suspicious Activity Report filing thresholds Support streamlining Currency Transaction Report and Suspicious Activity Report forms Support increased inclusion of identifiable information in Section 314(a) information requests Support consistency between NCUA and FinCEN requirements on Bank Secrecy Act compliance Support FinCEN survey to accurately measure Bank Secrecy Act compliance costs Support DOD clarification of Military Lending Act and Servicemembers Civil Relief Act requirements Support standardized disclosures and financial literacy briefings for servicemembers Support credit union access to nominal leases on military installations Oppose nominal leases for banks on military installations Oppose legislative action on the Overseas Military Banking Program Oppose inclusion of interchange, interest rate cap, or fraud liability amendments in the National Defense Authorization Act Support inclusion of currency transaction report/suspicious activity report thresholds and veterans member business lending amendments in the National Defense Authorization Act Support federal share insurance for all credit unions acting as fiscal agents of the U.S. government Support role of Community Development Financial Institutions Fund in promoting economic growth and access to capital in underserved communities Support access to Community Development Financial Institutions Fund awards and technical assistance for credit unions Support Community Development Financial Institutions Fund bond guarantee program Support Community Development Financial Institutions Fund liquidity enhancement pilot program Support disbursement of all Community Development Financial Institution Fund appropriated award funding without additional barriers Support timely completion of Emergency Capital Investment Program disposition agreements Oppose reclassification of credit header information as a consumer report Oppose reliance on single source of documentation to determine instances of identity theft or coerced debt Oppose use of interim final rule to modify personal financial data rights requirements Support modification of Section 1033 rule to allow data providers to charge fees, remove prescriptive technology standards, and establish data privacy standards and allocation of liability Support modernization of e-signature requirements Support allowing electronic or documented oral credit card applications Support increased flexibility for disclosures Support rescission of CFPB payday lending rule payment provisions Support modification of FCC revocation of consent rule Support greater flexibility for FCC fraud alert exemption Support FCC efforts to combat illegal robocalls and robotexts Support uniform federal standards and increased federal preemption of state laws on interchange, data privacy, artificial intelligence, and elder financial abuse reporting Support federal safe harbor for provision of financial services to marijuana-related businesses that comply with state laws Issues related to housing finance reform Issues related to flood insurance Issues related to privately insured credit unions Issues related to credit union capital requirements Issues related to credit union conversions Issues related to credit unions as employers Issues related to the Foreign Account Tax Compliance Act Issues related to fair lending Issues related to the Telephone Consumer Protection Act Support nomination of John Crews as a member of the NCUA Board Support Credit Union Board Modernization Act (H.R. 975; S. 522) Support 1071 Repeal to Protect Small Business Lending Act (H.R. 976; S. 557) Support Making the CFPB Accountable to Small Businesses Act (H.R. 1606) Support Financial Integrity and Regulation Management Act (S. 875; H.R. 2702; Senate Amendment 3104) Support Fair Audits and Inspections for Regulators Exams Act (H.R. 940; S. 5335) Support Small LENDER Act (H.R. 941) Support Anti-CBDC Surveillance State Act (H.R. 1919; S. 1124) Support Veterans Member Business Loan Act (H.R. 507; S. 110; Senate Amendment 3776) Support Taking Account of Bureaucrats Spending Act (H.R. 654) Support Rectifying UDAAP Act (H.R. 1652) Support Civil Investigative Demand Reform Act (H.R. 1653) Support SECURE Notarization Act (H.R. 1777; S. 1561) Support Increasing Credit Union Lending for Business Growth Act (H.R. 1791) Support Financial Reporting Threshold Modernization Act (H.R. 1799; Amendment 715 to H.R. 3838) Support Home of Your Own Act (H.R. 2064) Support Homes for Every Local Protector, Educator, and Responder Act (H.R. 2094; S. 978) Support CFPB Dual Mandate and Economic Analysis Act (H.R. 2183) Support Transparency in CFPB Cost-Benefit Analysis Act (H.R. 2331) Support CFPB-IG Reform Act (H.R. 2513) Support Financial Institution Regulatory Tailoring Enhancement Act (H.R. 3230) Support Halting Uncertain Methods and Practices in Supervision Act (H.R. 3379) Support Taking Account of Institutions with Low Operation Risk Act (H.R. 3380) Support Bureau of Consumer Financial Protection Commission Act (H.R. 3445) Support Advancing the Mentor-Protege Program for Small Financial Institutions Act (H.R. 3709) Support Expanding Access to Lending Options Act (H.R. 4167; S. 3616) Support CDFI Bond Guarantee Program Improvement Act (S. 1880) Support Taskforce for Recognizing and Averting Payment Scams Act (H.R. 4936; S. 2019; Senate Amendment 3257) Support Capping Excessive Awarding of SBLC Entrants Act (H.R. 2987) Support Supervisory Modifications for Appropriate Risk-Based Testing Act (H.R. 4437) Support Stop Agency Fiat Enforcement Act (H.R. 4460) Support American Access to Banking Act (H.R. 4544) Support Protecting Access to Credit for Small Businesses Act (S. 2486) Support Business of Insurance Regulatory Reform Act (H.R. 4735; S. 2419) Support NCUA Central Liquidity Facility Enhancement Act (S. 2545, S. 3575; Senate Amendments 3722, 3834, 4384, 5882, 6180) Support CDFI Fund Transparency Act (S. 2704; Senate Amendments 3640, 3732; H.R. 7775) Support Supporting Upgraded Property Projects and Lending for Yards Act (H.R. 4568) Support Unleashing AI Innovation in Financial Services Act (H.R. 4801) Support AI Practices, Logistics, Actions, and Necessities Act (H.R. 2152) Support Streamlining Transaction Reporting and Ensuring Anti-Money Laundering Improvements for a New Era Act (S. 3017; Senate Amendment 6241) Support NFIP Continuation Act (H.R. 5577) Support 21st Century ROAD to Housing Act (H.R. 6644) Support Regulatory Efficiency, Verification, Itemization, and Enhanced Workflow Act (H.R. 6544) Support Community Bank Regulatory Tailoring Act (H.R. 7056) Support Close the Shadow Banking Loophole Act (S. 3734) Support American Lending Fairness Act (S. 3889; H.R. 7866) Support Community Bank Relief Act (S. 3849; H.R. 7484) Support Access to Fair Financing for Opportunity and Resilient Development Act (Senate Amendments 4354, 4394, 6101; S. 3940) Support Main Street Depositor Protection Act (S. 4198; Senate Amendment 6396) Support Growing Deposit Insurance for the Future Act (H.R. 8088) Support ESCRA Act (H.R. 306) Support Credit Access and Inclusion Act (H.R. 5402; S. 1465) Support FCRA Liability Harmonization Act (H.R. 5775) Support Guarding Unprotected Aging Retirees from Deception Act (H.R. 2978; S. 2544; Senate Amendment 6471) Support MORE Opportunities for Homeownership Act (H.R. 7647) Support Eliminating Fraud in the CFPBs Complaint Database Act (H.R. 7588) Support Fair Credit Reporting Reseller Accuracy Act (H.R. 8141) Support Bank Fraud Technology Advancement Act (H.R. 8671) Support STOP Payments Fraud Act (H.R. 9331) Support emergency transaction account guarantee legislation (H.R. 8075) Support Credit Union Investment Authority Act (H.R. 10082) Support CFPB Reform Act (H.R. 10184) Support inclusion of guidance on penny circulation and rounding in Common Cents Act (H.R. 3074, H.R. 10167; S. 1525) Support parity for credit unions and prohibition on stablecoin yield in Digital Asset Market Clarity Act (H.R. 3633) Support inclusion of additional credit union provisions in Main Street Capital Access Act (H.R. 6955) Oppose Repealing Big Brother Overreach Act (H.R. 425; S. 100) Oppose 10 Percent Credit Card Interest Rate Cap Act (H.R. 1944; S. 381; Senate Amendment 2239) Oppose Credit Card Competition Act (Senate Amendments 2229, 2230, 2345, 4305; S. 3623; H.R. 7035) Oppose commissary interchange fee study (Senate Amendment 3216) Oppose commissary coupon pilot program (Senate Amendments 5942, 6034) Oppose End the Feds Big Bank Bailout Act (S. 2113; Senate Amendment 3761) Oppose Credit Card Fairness Act (S. 3660) Oppose Strengthening Oversight for the Financial Sector Act (H.R. 10230) Oppose S.J.Res. 130, on CFPB overdraft circular Oppose S.J.Res. 132, on CFPB examinations for risks to servicemembers Oppose S.J.Res. 141, on deceptive collection of medical debt
2026 · second_quarter · Banking
H.R. 478/S. 113, Promoting New Bank Formation Act S. 875/H.R. 2702, Financial Integrity and Regulation Management (FIRM) Act H.R. 1919/S. 1124, the Anti-CBDC Surveillance State Act H.R. 976/S. 557, the 1071 Repeal to Protect Small Business Lending Act H.R. 2392, the Stablecoin Transparency and Accountability for a Better Ledger Economy Act of 2025 (STABLE Act) S. 394/ S.919, Guiding and Establishing National Innovation for U.S. Stablecoins Act (GENIUS) S.3623/H.R.7035, Credit Card Competition Act of 2026 H.R. 1944/S. 381, the 10 Percent Credit Card Interest Rate Cap Act H.R. 654, the Taking Account of Bureaucrats Spending (TABS) Act of 2025 H.R. 987/S. 401, the Fair Access to Banking Act H.R. 1652, the Rectifying UDAAP Act H.R. 3445, the Bureau of Consumer Financial Protection Commission Act H.R. 1653, the CID Reform Act Business of Insurance Regulatory Reform Act H.R. 2513, CFPB-IG Reform Act H.R. 2183, the CFPB Dual Mandate and Economic Analysis Act H.R. 2331, the Transparency in CFPB Cost-Benefit Analysis Act H.R. 1606, the Making the CFPB Accountable to Small Business Act Cybersecurity Information Sharing Act Community Development Financial Institutions (CDFI) Fund Secure and Fair Enforcement (SAFE) Banking Act Regulatory Tailoring Community Reinvestment Act Deposit Insurance Reform S.4198/H.R.8087, the Main Street Depositor Protection Act National Bank Preemption H.R. 306, the Ending Scam Credit Repair Act Bank On Certification Program Central Bank Digital Currency Cryptocurrency Stablecoin Digital Assets Bank Capital Requirements/Basel Capital Proposal UDAAP Supervisory Policies and Adjudication Procedures Applying Community Reinvestment Act to credit unions Merchant Category Codes H.R. 1181, Protecting Privacy in Purchases Act H.R.1602, Financial Privacy Act of 2025 Foreign Affiliate Sharing Pilot Program Extension Act Financial Innovation and Technology for the 21st Century Act H.R.2885, Bank Loan Privacy Act H.R. 941, Small Lender 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 Artificial Intelligence Risk Management, Regulation, and Innovation CDFI Certification & Funding Federal Reserve Discount Window and Emergency Lending Authority Tokenization of Assets Fraud Issues Peer-To-Peer Payment Fraud Financial Data Transparency Act Rulemaking FDIC Brokered Deposit Proposal H.R. 3633, the Digital Asset Market Clarity (CLARITY) Act of 2025 H.R.1900 - Bank Failure Prevention Act of 2025 H.R.3230 - Financial Institution Regulatory Tailoring Enhancement Act H.R.8287 - Stress Testing Accountability and Transparency Act H.R. 2835, the Small Bank Holding Company Relief Act H.R. 3709, the Advancing the Mentor-Protege Program for Small Financial Institutions Act H.R. 3716, the Systemic Risk Authority Transparency Act H.R. 940, the Fair Audits and Inspections for Regulators' (FAIR) Exams Act H.R. 3379, the Halting Uncertain Methods and Practices in Supervision (HUMPS) Act of 2025 H.R. 3380, the Taking Account of Institutions with Low Operation Risk (TAILOR) Act of 2025 S.2019 - Task Force for Recognizing and Averting Payments Scams (TRAPS) Act H.R. 3390, the Bringing the Discount Window into the 21st Century Act H.R. 4460, the Stop Agency Fiat Enforcement of Guidance (SAFE Guidance) Act H.R. 3446, the FDIC Board Accountability Act H.R. 4544, The American Access to Banking Act H.R. 4478, the Tailored Regulatory Updates for Supervisory Testing Act of 2025 (TRUST Act) H.R. 4437, the Supervisory Modifications for Appropriate Risk-Based Testing Act of 2025 (SMART Act) H.R. 5270, the Stress Testing Accountability and Transparency Act H.R. 5276, the Community Bank Leverage Improvement and Flexibility for Transparency (Community Bank LIFT) Act H.R. 5291, the Merchant Banking Modernization Act H.R. 5262, the Bank Competition Modernization Act Legislation to support Minority Depository Institutions H.R. 6553, the Tailoring and Indexing Enhanced Regulations (TIER) Act H.R. 6554, the Community Bank Representation Act H.R. 6536, Rural Depositories Revitalization Study Act H.R. 6551, the New Bank Application Numbers Knowledge Act (New BANK) Act H.R. 6546, Merger Process Review Act H.R. 6570, the Merger Agreement Approvals Clarity and Predictability Act H.R. 6544, The Regulatory Efficiency, Verification, Itemization, and Enhanced Workflow (REVIEW) Act H.R. 6550, the American Financial Institution Regulatory Sovereignty and Transparency (American FIRST) Act H.R. 6555, the Enhancing Bank Resolution Participation Act Ensuring Fair Access to Banking Act H.R. 6955, the Main Street Capital Access Act H.R. 7056, the Community Bank Regulatory Tailoring Act S.3940, the Access to Fair Financing for Opportunity and Resilient Development (AFFORD) Act S. 3017, the STREAMLINE Act H.R. 1799, the Financial Reporting Threshold Modernization Act H.R. 8278, Fostering the Use of Technology to Uphold Regulatory Effectiveness in Supervision (FUTURES) Act H.R. 9331, the Strengthening Transaction Oversight Preventing (STOP) Payments Fraud Act H.R. 9471/S. 4942, the Secure and Fair Enforcement Banking Act (SAFE Banking Act) of 2026 H.R. 8395, the Payments Access and Consumer Efficiency (PACE) Act
2026 · second_quarter · Financial Institutions/Investments/Securities
General education around digital assets and decentralized AI To require the Secretary of the Treasury to develop a public-private partnership program with decentralized protocol developers and specialized auditing firms to examine embedded supervision and regulation of decentralized protocols, and for other purposes. H.R. 148, Keep Your Coins Act of 2025 S. 919, GENIUS Act H.R. 2392, STABLE Act H.R. 2384, Financial Technology Protection Act H.R.216, Securities Enforcement Clarity Act of 2025 H.R. 2365, Securities Clarity Act H.R.2032, BITCOIN Act H.Res.248, Resolution emphasizing the importance and power of distributed ledger technologies (DLT) to support democratic governance, human rights, internet freedom, and transparency. H.R. 1919, Anti-CBDC Surveillance State Act Legislation related to digital asset market structure legislation - HR 3633 (CLARITY Act) and the Responsible Financial Innovation Act of 2025. HR 1 (One Big Beautiful Bill Act) Issues related to the tax treatment of digital assets H.R.8149 - To amend the Internal Revenue Code of 1986 to clarify the tax treatment of digital asset rewards.
Client expense: $410,000 · Firm income: Not reported
Considered under the provisions of rule H. Res. 580. (consideration: CR H3427-3434)
Rules Committee Resolution H. Res. 580 Reported to House. Rule provides for consideration of H.R. 4016, H.R. 3633, H.R. 1919 and S. 1582. The resolution provides for consideration of H.R. 4016 and H.R. 3633 under a structured rule, and H.R. 1919 and S. 1582 under a closed rule, with one hour of general debate on each bill. The resolution provides for a motion to recommit on H.R. 4016, H.R. 3633, and H.R. 1919, and a motion to commit on S. 1582.
Placed on the Union Calendar, Calendar No. 66.
Reported (Amended) by the Committee on Financial Services. H. Rept. 119-92.
Congress.gov source codes: 5000, H12200
Ordered to be Reported (Amended) by the Yeas and Nays: 27 - 22.
Committee Consideration and Mark-up Session Held
Referred to the House Committee on Financial Services.
Introduced in House
Congress.gov source codes: 1000, Intro-H
| Republican |
| TN |
| Andrew R. Garbarino | Republican | NY |
| Andrew S. Clyde | Republican | GA |
| Andy Barr | Republican | KY |
| Andy Biggs | Republican | AZ |
| Ann Wagner | Republican | MO |
| Anna Paulina Luna | Republican | FL |
| Ashley Hinson | Republican | IA |
| August Pfluger | Republican | TX |
| Austin Scott | Republican | GA |
| Barry Loudermilk | Republican | GA |
| Barry Moore | Republican | AL |
| Ben Cline | Republican | VA |
| Beth Van Duyne | Republican | TX |
| Bill Huizenga | Republican | MI |
| Brad Finstad | Republican | MN |
| Brandon Gill | Republican | TX |
| Brett Guthrie | Republican | KY |
| Brian Babin | Republican | TX |
| Brian Jack | Republican | GA |
| Bryan Steil | Republican | WI |
| Burgess Owens | Republican | UT |
| Byron Donalds | Republican | FL |
| Charles J. "Chuck" Fleischmann | Republican | TN |
| Chip Roy | Republican | TX |
| Chuck Edwards | Republican | NC |
| Claudia Tenney | Republican | NY |
| Clay Higgins | Republican | LA |
| Cliff Bentz | Republican | OR |
| Craig A. Goldman | Republican | TX |
| Dan Crenshaw | Republican | TX |
| Daniel Meuser | Republican | PA |
| Darin LaHood | Republican | IL |
| Darrell Issa | Republican | CA |
| David G. Valadao | Republican | CA |
| David J. Taylor | Republican | OH |
| David Rouzer | Republican | NC |
| Derek Schmidt | Republican | KS |
| Derrick Van Orden | Republican | WI |
| Diana Harshbarger | Republican | TN |
| Don Bacon | Republican | NE |
| Dusty Johnson | Republican | SD |
| Elijah Crane | Republican | AZ |
| Erin Houchin | Republican | IN |
| Frank D. Lucas | Republican | OK |
| Glenn Grothman | Republican | WI |
| Gregory F. Murphy | Republican | NC |
| Gus M. Bilirakis | Republican | FL |
| Guy Reschenthaler | Republican | PA |
| Harriet M. Hageman | Republican | WY |
| J. French Hill | Republican | AR |
| Jack Bergman | Republican | MI |
| Jake Ellzey | Republican | TX |
| James R. Baird | Republican | IN |
| Jeff Crank | Republican | CO |
| Jefferson Van Drew | Republican | NJ |
| John H. Rutherford | Republican | FL |
| John J. McGuire III | Republican | VA |
| John R. Carter | Republican | TX |
| John R. Moolenaar | Republican | MI |
| John W. Rose | Republican | TN |
| Josh Brecheen | Republican | OK |
| Juan Ciscomani | Republican | AZ |
| Julia Letlow | Republican | LA |
| Kat Cammack | Republican | FL |
| Kevin Hern | Republican | OK |
| Kevin Kiley | Independent | CA |
| Lance Gooden | Republican | TX |
| Maria Elvira Salazar | Republican | FL |
| Marjorie Taylor Greene | Republican | GA |
| Mark B. Messmer | Republican | IN |
| Mark E. Amodei | Republican | NV |
| Mark E. Green | Republican | TN |
| Marlin A. Stutzman | Republican | IN |
| Mary E. Miller | Republican | IL |
| Michael A. Rulli | Republican | OH |
| Michael Baumgartner | Republican | WA |
| Michael Cloud | Republican | TX |
| Michael Guest | Republican | MS |
| Michael Lawler | Republican | NY |
| Michael T. McCaul | Republican | TX |
| Michelle Fischbach | Republican | MN |
| Mike Bost | Republican | IL |
| Mike Carey | Republican | OH |
| Mike Collins | Republican | GA |
| Mike Ezell | Republican | MS |
| Mike Flood | Republican | NE |
| Mike Haridopolos | Republican | FL |
| Mike Kelly | Republican | PA |
| Mike Kennedy | Republican | UT |
| Mike Rogers | Republican | AL |
| Monica De La Cruz | Republican | TX |
| Nancy Mace | Republican | SC |
| Nathaniel Moran | Republican | TX |
| Nicholas A. Langworthy | Republican | NY |
| Nicholas J. Begich III | Republican | AK |
| Paul A. Gosar | Republican | AZ |
| Pete Sessions | Republican | TX |
| Pete Stauber | Republican | MN |
| Ralph Norman | Republican | SC |
| Randy Feenstra | Republican | IA |
| Randy K. Weber, Sr. | Republican | TX |
| Richard Hudson | Republican | NC |
| Richard McCormick | Republican | GA |
| Robert E. Latta | Republican | OH |
| Robert J. Wittman | Republican | VA |
| Robert P. Bresnahan, Jr. | Republican | PA |
| Roger Williams | Republican | TX |
| Ronny Jackson | Republican | TX |
| Rudy Yakym III | Republican | IN |
| Ryan K. Zinke | Republican | MT |
| Ryan Mackenzie | Republican | PA |
| Sam Graves | Republican | MO |
| Scott Fitzgerald | Republican | WI |
| Scott Franklin | Republican | FL |
| Scott Perry | Republican | PA |
| Stephanie I. Bice | Republican | OK |
| Steve Womack | Republican | AR |
| Thomas H. Kean, Jr. | Republican | NJ |
| Thomas P. Tiffany | Republican | WI |
| Tim Moore | Republican | NC |
| Tom Cole | Republican | OK |
| Tracey Mann | Republican | KS |
| Trent Kelly | Republican | MS |
| Troy Balderson | Republican | OH |
| Troy Downing | Republican | MT |
| Troy E. Nehls | Republican | TX |
| W. Gregory Steube | Republican | FL |
| Warren Davidson | Republican | OH |
| William R. Timmons IV | Republican | SC |
| Young Kim | Republican | CA |
| Zachary Nunn | Republican | IA |
Government targets: HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of, White House Office
Client expense: $1,060,000 · Firm income: Not reported
Government targets: Consumer Financial Protection Bureau (CFPB), Defense, Dept of (DOD), Executive Office of the President (EOP), Federal Communications Commission (FCC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Financial Crimes Enforcement Network (FinCEN), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Justice, Dept of (DOJ), Natl Credit Union Administration (NCUA), Natl Economic Council (NEC), Office of Management & Budget (OMB), SENATE, Small Business Administration (SBA), Treasury, Dept of
Client expense: $3,510,000 · Firm income: Not reported
Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of
Government targets: HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of, White House Office
2026 · second_quarter · Banking
Protect the credit union tax exemption Support legislation and regulation that advance credit unions and their over 146 million members Support regulatory relief for credit unions Support holistic evaluation of regulatory burden on credit unions Support modification of credit union loan maturity limits Support credit union field of membership expansion and modernization Support regulator- and bank-approved credit union-bank mergers Support financial inclusion and increased access to financial services Support modifying the credit union member business lending cap Support NCUAs existence as an independent regulator and insurer of credit unions Support assistance for minority depository institution credit unions Support regulatory relief for de novo credit unions Support harmonization of federal cyber incident notification standards Oppose Community Reinvestment Act requirements for credit unions Oppose legislative action to restrict credit union overdraft and courtesy pay programs Support regulatory framework for artificial intelligence that allows responsible innovation and recognizes credit unions compliance with existing regulations Support allowing use of artificial intelligence for regulatory reporting purposes Support mandatory arbitration agreements Oppose national interest rate cap Oppose national credit card interest rate cap Support expanded natural person and corporate credit union investment authority Support expanded credit union examination cycle Support increased examination transparency Support regulatory policies to promote innovation and access to credit Support Central Liquidity Facility and Community Development Revolving Loan Fund enhancements Oppose NCUA examination of credit union vendors Oppose National Credit Union Share Insurance Fund structural changes or premium assessment Support parity in deposit insurance coverage levels between credit unions and banks Oppose additional Call Report fields on loans to credit union officials and senior executive staff Oppose additional Call Report fields on maturity distribution of uninsured shares Oppose making changes to Call Report requirements without using notice-and-comment process Oppose NCUA Call Report collection of overdraft and NSF fee revenue data Support modernization and simplification of Call Report form and instructions Support rescission of NCUA overdraft and NSF fee guidance Oppose collection of vendor information in NCUA Credit Union Profile Oppose changes to NCUA collection forms outside rulemaking process Support NCUA review of normal operating level and methodology Support NCUA action to permit credit union reimbursement of dependent care expenses for federal credit union official duties Oppose NCUA rule on succession planning Support modification of NCUA record retention requirements Oppose excessive NCUA requirements for supervisory committee audits Support NCUA action to reduce scope of supervisory committee examination Support NCUA recognition of digital banking in service facility definition Support clarification of NCUA member expulsion regulations Support NCUA proposed rule on increasing overdraft flexibility Support NCUA recognition of government sponsored enterprises as government agencies for loan maturity limit purposes Support NCUA adoption of floating interest rate cap Support modification of NCUA commercial loan definition Support increased flexibility in NCUA occupancy requirements Support NCUA action to clarify loan participation limits Support NCUA modification of low-income designation process Support expanding NCUA qualified charity definition Support allowing greater weighted average life for corporate credit unions financial assets Support extension of maturity limit for corporate credit union borrowing Support increased flexibility for advertising and notice of insured status Support increased compliance timeline for NCUA simplification of share insurance rule Support removing reputational risk as a component of credit union examinations Support balanced implementation of debanking executive order Support increased NCUA efforts to promote credit union industry Support modernization and streamlining of NCUA operations Support NCUA supervisory flexibility for credit union shutdown assistance efforts Support NCUA action to modernize CAMELS rating system Support modernization of NCUA fidelity bond review requirements Support making CFPB subject to regular appropriations process Support increased CFPB budget transparency Support restructuring CFPB leadership to a bipartisan commission Support creation of a CFPB Inspector General Support reforms to CFPB Civil Investigative Demand process Support increasing asset thresholds for CFPB supervision of credit unions Support clarification of CFPB unfair, deceptive, or abusive acts and practices authority Support CFPB use of Section 1022 authority to exempt credit unions from certain regulations Support CFPB oversight and monitoring of nonbank entities Oppose CFPB efforts to avoid requirements of the rulemaking process Support CFPB use and disclosure of relevant data in rulemakings Support CFPB use of cost-benefit analysis in rulemaking process Support CFPB coordination with NCUA on policy matters and examination scheduling Oppose mislabeling financial services fees as junk fees Oppose arbitrary limits on credit union fee income Oppose CFPB efforts to restrict information in credit reports Support CFPB engaging in ongoing retrospective review of past regulations Support CFPB consumer complaint database reforms Support CFPB no-action letter program with extended timeline and increased protection of sensitive strategic information Oppose expansion of consumer report and consumer reporting agency definitions under the Fair Credit Reporting Act/Regulation V Support consumer protection regulations for buy-now-pay-later loan providers Support inclusion of buy-now-pay-later loans in FHA underwriting Support CFPB use of Civil Penalty Fund for consumer financial education Support increase of Home Mortgage Disclosure Act reporting thresholds Support removal of disparate impact analysis from Regulation B and modification of discouragement standard Support credit union access to universal service fund letters of credit program Support recognition of unique credit union structure in Financial Data Transparency Act joint data standards Support federal data privacy and security standard that exempts Gramm-Leach-Bliley Act covered institutions, preempts state laws, operates on an opt-out basis, recognizes the complexity of data deletion, and does not authorize private right of action Support increased transparency for fintech bank charter applications Support Treasury development of model forms and qualified vehicle list for auto loan interest deduction Support safe harbor for credit unions related to the auto loan interest deduction Support clarification of remittance transfer tax exemptions Support inclusion of credit unions in Trump Accounts program Oppose development of a central bank digital currency Support credit union access to Federal Reserve liquidity options Support gradual expansion of Fedwire and National Settlement Service operating hours with optional participation Oppose addition of fourth same-day ACH window Support expanded flexibility for accessing the Fed discount window and intraday credit Oppose expanded eligibility for Federal Reserve master account access Oppose Regulation II debit interchange fee cap Oppose Federal Reserve proposed rule on modifying Regulation II debit interchange cap Support improvements to the Federal Reserves Debit Card Issuer Survey Oppose legislative action to impose caps or restrictions on debit or credit interchange fees Oppose legislative action to prohibit the Federal Reserve from paying interest on reserves Support Federal Reserve action to coordinate regulatory guidance on penny circulation issues and management of penny supply Support continued offering of Federal Reserve check services Oppose expansion of Electronic Fund Transfer Act/Regulation E financial institution liability Support fair distribution of Electronic Fund Transfer Act/Regulation E error resolution responsibilities Support clarification of funds definition under Electronic Fund Transfer Act/Regulation E Support clarification of Electronic Fund Transfer Act/Regulation E treatment of digital assets Support increased flexibility for check holds and funds availability requirements Support transition to electronic payments for government payments Support consumer education on transition to electronic payments Support clarification of Section 314(b) information sharing safe harbor for identifying and preventing payments fraud Support greater flexibility for credit unions to decline services with clear indica of fraud or elder abuse Support parity for credit union provision of digital asset services Prevent competitive disadvantages for credit unions and market distortions related to the integration of digital assets into traditional financial products Support Treasury and NCUA action to implement regulatory framework for stablecoin issuance Support parity for credit unions related to stablecoin regulation Support NCUAs role as primary regulator of credit unions stablecoin activities Oppose treating stablecoins or digital assets as federally insured Oppose payment of interest, yield, or rewards on stablecoin holdings Support digital assets guardrails to prevent deposit outflows Support clarifying credit unions authority to provide custodial services for their members Support safeguards for rehypothecation of digital assets Support reduced government-sponsored enterprises costs for credit union mortgages Support secondary mortgage market access for credit unions Support continued role for FHFA as an independent regulator Support credit union access to Federal Home Loan Bank system Support expansion of Federal Home Loan Bank Act community financial institution definition Support Federal Home Loan Bank engagement with credit unions Oppose adoption of volume-based incentives for Federal Home Loan Banks Support Federal Home Loan Bank allocations to the Affordable Housing Program Support FinCEN implementation of the Corporate Transparency Act Support additional time to implement anti-money laundering/countering financing of terrorism program changes and publication of guidance Support increasing Currency Transaction Report and Suspicious Activity Report filing thresholds Support streamlining Currency Transaction Report and Suspicious Activity Report forms Support increased inclusion of identifiable information in Section 314(a) information requests Support consistency between NCUA and FinCEN requirements on Bank Secrecy Act compliance Support FinCEN survey to accurately measure Bank Secrecy Act compliance costs Support DOD clarification of Military Lending Act and Servicemembers Civil Relief Act requirements Support standardized disclosures and financial literacy briefings for servicemembers Support credit union access to nominal leases on military installations Oppose nominal leases for banks on military installations Oppose legislative action on the Overseas Military Banking Program Oppose inclusion of interchange, interest rate cap, or fraud liability amendments in the National Defense Authorization Act Support inclusion of currency transaction report/suspicious activity report thresholds and veterans member business lending amendments in the National Defense Authorization Act Support federal share insurance for all credit unions acting as fiscal agents of the U.S. government Support role of Community Development Financial Institutions Fund in promoting economic growth and access to capital in underserved communities Support access to Community Development Financial Institutions Fund awards and technical assistance for credit unions Support Community Development Financial Institutions Fund bond guarantee program Support Community Development Financial Institutions Fund liquidity enhancement pilot program Support disbursement of all Community Development Financial Institution Fund appropriated award funding without additional barriers Support timely completion of Emergency Capital Investment Program disposition agreements Oppose reclassification of credit header information as a consumer report Oppose reliance on single source of documentation to determine instances of identity theft or coerced debt Oppose use of interim final rule to modify personal financial data rights requirements Support modification of Section 1033 rule to allow data providers to charge fees, remove prescriptive technology standards, and establish data privacy standards and allocation of liability Support increased reporting and small business revenue threshold and elimination of discretionary data points collection in revised Section 1071 rule Support modernization of e-signature requirements Support allowing electronic or documented oral credit card applications Support increased flexibility for disclosures Support rescission of CFPB payday lending rule payment provisions Support modification of FCC revocation of consent rule Support greater flexibility for FCC fraud alert exemption Support uniform federal standards and increased federal preemption of state laws on interchange, data privacy, artificial intelligence, and elder financial abuse reporting Support federal safe harbor for provision of financial services to marijuana-related businesses that comply with state laws Issues related to housing finance reform Issues related to flood insurance Issues related to privately insured credit unions Issues related to credit union capital requirements Issues related to credit union conversions Issues related to credit unions as employers Issues related to the Foreign Account Tax Compliance Act Issues related to fair lending Issues related to the Telephone Consumer Protection Act Support nomination of John Crews as a member of the NCUA Board Support Credit Union Board Modernization Act (H.R. 975; S. 522) Support 1071 Repeal to Protect Small Business Lending Act (H.R. 976; S. 557) Support Making the CFPB Accountable to Small Businesses Act (H.R. 1606) Support Financial Integrity and Regulation Management Act (S. 875; H.R. 2702; Senate Amendment 3104) Support Fair Audits and Inspections for Regulators Act (H.R. 940) Support Small LENDER Act (H.R. 941) Support Anti-CBDC Surveillance State Act (H.R. 1919; S. 1124) Support Veterans Member Business Loan Act (H.R. 507; S. 110; Senate Amendment 3776) Support Taking Account of Bureaucrats Spending Act (H.R. 654) Support Rectifying UDAAP Act (H.R. 1652) Support Civil Investigative Demand Reform Act (H.R. 1653) Support SECURE Notarization Act (H.R. 1777; S. 1561) Support Increasing Credit Union Lending for Business Growth Act (H.R. 1791) Support Financial Reporting Threshold Modernization Act (H.R. 1799; Amendment 715 to H.R. 3838) Support Home of Your Own Act (H.R. 2064) Support Homes for Every Local Protector, Educator, and Responder Act (H.R. 2094; S. 978) Support CFPB Dual Mandate and Economic Analysis Act (H.R. 2183) Support Transparency in CFPB Cost-Benefit Analysis Act (H.R. 2331) Support CFPB-IG Reform Act (H.R. 2513) Support Homebuyers Privacy Protection Act (H.R. 2808; S. 1467) Support Financial Institution Regulatory Tailoring Enhancement Act (H.R. 3230) Support Halting Uncertain Methods and Practices in Supervision Act (H.R. 3379) Support Taking Account of Institutions with Low Operation Risk Act (H.R. 3380) Support Bureau of Consumer Financial Protection Commission Act (H.R. 3445) Support Advancing the Mentor-Protege Program for Small Financial Institutions Act (H.R. 3709) Support Expanding Access to Lending Options Act (H.R. 4167) Support CDFI Bond Guarantee Program Improvement Act (S. 1880) Support Taskforce for Recognizing and Averting Payment Scams Act (H.R. 4936; S. 2019; Senate Amendment 3257) Support Capping Excessive Awarding of SBLC Entrants Act (H.R. 2987) Support Expanding Access to Lending Options Act (H.R. 4167) Support Supervisory Modifications for Appropriate Risk-Based Testing Act (H.R. 4437) Support Stop Agency Fiat Enforcement Act (H.R. 4460) Support American Access to Banking Act (H.R. 4544) Support Protecting Access to Credit for Small Businesses Act (S. 2486) Support Business of Insurance Regulatory Reform Act (H.R. 4735; S. 2419) Support NCUA Central Liquidity Facility Enhancement Act (S. 2545, S. 3575; Senate Amendments 3722, 3834, 4384, 5882, 6180) Support CDFI Fund Transparency Act (S. 2704; Senate Amendments 3640, 3732) Support Supporting Upgraded Property Projects and Lending for Yards Act (H.R. 4568) Support Unleashing AI Innovation in Financial Services Act (H.R. 4801) Support AI Practices, Logistics, Actions, and Necessities Act (H.R. 2152) Support Streamlining Transaction Reporting and Ensuring Anti-Money Laundering Improvements for a New Era Act (S. 3017; Senate Amendment 6241) Support NFIP Continuation Act (H.R. 5577) Support 21st Century ROAD to Housing Act (H.R. 6644) Support Regulatory Efficiency, Verification, Itemization, and Enhanced Workflow Act (H.R. 6544) Support Community Bank Regulatory Tailoring Act (H.R. 7056) Support Close the Shadow Banking Loophole Act (S. 3734) Support American Lending Fairness Act (S. 3889; H.R. 7866) Support Community Bank Relief Act (S. 3849; H.R. 7484) Support Access to Fair Financing for Opportunity and Resilient Development Act (Senate Amendments 4354, 4394, 6101; S. 3940) Support Growing Deposit Insurance for the Future Act (H.R. 8088) Support ESCRA Act (H.R. 306) Support Credit Access and Inclusion Act (H.R. 5402; S. 1465) Support FCRA Liability Harmonization Act (H.R. 5775) Support Guarding Unprotected Aging Retirees from Deception Act (H.R. 2978; S. 2544; Senate Amendment 6471) Support Eliminating Fraud in the CFPBs Complaint Database Act (H.R. 7588) Support Fair Credit Reporting Reseller Accuracy Act (H.R. 8141) Support Bank Fraud Technology Advancement Act (H.R. 8671) Support STOP Payments Fraud Act (H.R. 9331) Support emergency transaction account guarantee legislation (H.R. 8075) Support inclusion of guidance on penny circulation and rounding in Common Cents Act (H.R. 3074) Support parity for credit unions and prohibition on stablecoin yield in Digital Asset Market Clarity Act (H.R. 3633) Support modification of Section 705 in Renewing Opportunity in the American Dream to Housing Act (S. 2651) Support inclusion of credit union parity provisions in Main Street Capital Access Act (H.R. 6955) Oppose Repealing Big Brother Overreach Act (H.R. 425; S. 100) Oppose 10 Percent Credit Card Interest Rate Cap Act (H.R. 1944; S. 381; Senate Amendment 2239) Oppose Credit Card Competition Act (Senate Amendments 2229, 2230, 2345, 4305; S. 3623; H.R. 7035) Oppose commissary interchange fee study (Senate Amendment 3216) Oppose commissary coupon pilot program (Senate Amendments 5942, 6034) Oppose End the Feds Big Bank Bailout Act (S. 2113; Senate Amendment 3761) Oppose Credit Card Fairness Act (S. 3660) Oppose S.J.Res. 130, on CFPB overdraft circular Oppose S.J.Res. 132, on CFPB examinations for risks to servicemembers Oppose S.J.Res. 141, on deceptive collection of medical debt
Client expense: $1,290,000 · Firm income: Not reported
Government targets: Consumer Financial Protection Bureau (CFPB), Defense, Dept of (DOD), Executive Office of the President (EOP), Federal Communications Commission (FCC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Financial Crimes Enforcement Network (FinCEN), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Justice, Dept of (DOJ), Natl Credit Union Administration (NCUA), Natl Economic Council (NEC), Office of Management & Budget (OMB), SENATE, Small Business Administration (SBA), Treasury, Dept of
2026 · second_quarter · Intelligence
HR 8035 "To amend the FISA Amendments Act of 2008 to extend the authorities of title VII of the Foreign Intelligence Surveillance Act of 1978 through October 20, 2027, and for other purposes," all provisions pertaining to the addition of HR 1919 "Anti-CBDC Surveillance State Act" to the bill. HR 9238 "To amend the FISA Amendments Act of 2008 to extend the authorities of title VII of the Foreign Intelligence Surveillance Act of 1978, and for other purposes," all provisions.
Client expense: $140,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES
2026 · first_quarter · Banking
H.R. 478/S. 113, Promoting New Bank Formation Act S. 875/H.R. 2702, Financial Integrity and Regulation Management (FIRM) Act H.R. 1919/S. 1124, the Anti-CBDC Surveillance State Act H.R. 976/S. 557, the 1071 Repeal to Protect Small Business Lending Act H.R. 2392, the Stablecoin Transparency and Accountability for a Better Ledger Economy Act of 2025 (STABLE Act) S. 394/ S.919, Guiding and Establishing National Innovation for U.S. Stablecoins Act (GENIUS) S.3623/H.R.7035, Credit Card Competition Act of 2026 H.R. 1944/S. 381, the 10 Percent Credit Card Interest Rate Cap Act H.R. 654, the Taking Account of Bureaucrats Spending (TABS) Act of 2025 H.R. 987/S. 401, the Fair Access to Banking Act H.R. 1652, the Rectifying UDAAP Act H.R. 3445, the Bureau of Consumer Financial Protection Commission Act H.R. 1653, the CID Reform Act Business of Insurance Regulatory Reform Act H.R. 2513, CFPB-IG Reform Act H.R. 2183, the CFPB Dual Mandate and Economic Analysis Act H.R. 2331, the Transparency in CFPB Cost-Benefit Analysis Act H.R. 1606, the Making the CFPB Accountable to Small Business Act Cybersecurity Information Sharing Act Community Development Financial Institutions (CDFI) Fund Secure and Fair Enforcement (SAFE) Banking Act Regulatory Tailoring Community Reinvestment Act Deposit Insurance Reform S.4198/H.R.8087, the Main Street Depositor Protection Act National Bank Preemption H.R. 306, the Ending Scam Credit Repair Act Bank On Certification Program Central Bank Digital Currency Cryptocurrency Stablecoin Digital Assets Bank Capital Requirements/Basel Capital Proposal UDAAP Supervisory Policies and Adjudication Procedures Applying Community Reinvestment Act to credit unions Merchant Category Codes H.R. 1181, Protecting Privacy in Purchases Act H.R.1602, Financial Privacy Act of 2025 Foreign Affiliate Sharing Pilot Program Extension Act Financial Innovation and Technology for the 21st Century Act H.R.2885, Bank Loan Privacy Act H.R. 941, Small Lender 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 Artificial Intelligence Risk Management, Regulation, and Innovation CDFI Certification & Funding Federal Reserve Discount Window and Emergency Lending Authority Tokenization of Assets Fraud Issues Peer-To-Peer Payment Fraud Financial Data Transparency Act Rulemaking FDIC Brokered Deposit Proposal H.R. 3633, the Digital Asset Market Clarity (CLARITY) Act of 2025 H.R.1900 - Bank Failure Prevention Act of 2025 H.R.3230 - Financial Institution Regulatory Tailoring Enhancement Act H.R.8287 - Stress Testing Accountability and Transparency Act H.R. 2835, the Small Bank Holding Company Relief Act H.R. 3709, the Advancing the Mentor-Protege Program for Small Financial Institutions Act H.R. 3716, the Systemic Risk Authority Transparency Act H.R. 940, the Fair Audits and Inspections for Regulators' (FAIR) Exams Act H.R. 3379, the Halting Uncertain Methods and Practices in Supervision (HUMPS) Act of 2025 H.R. 3380, the Taking Account of Institutions with Low Operation Risk (TAILOR) Act of 2025 S.2019 - Task Force for Recognizing and Averting Payments Scams (TRAPS) Act H.R. 3390, the Bringing the Discount Window into the 21st Century Act H.R. 4460, the Stop Agency Fiat Enforcement of Guidance (SAFE Guidance) Act H.R. 3446, the FDIC Board Accountability Act H.R. 4544, The American Access to Banking Act H.R. 4478, the Tailored Regulatory Updates for Supervisory Testing Act of 2025 (TRUST Act) H.R. 4437, the Supervisory Modifications for Appropriate Risk-Based Testing Act of 2025 (SMART Act) H.R. 5270, the Stress Testing Accountability and Transparency Act H.R. 5276, the Community Bank Leverage Improvement and Flexibility for Transparency (Community Bank LIFT) Act H.R. 5291, the Merchant Banking Modernization Act H.R. 5262, the Bank Competition Modernization Act Legislation to support Minority Depository Institutions H.R. 6553, the Tailoring and Indexing Enhanced Regulations (TIER) Act H.R. 6554, the Community Bank Representation Act H.R. 6536, Rural Depositories Revitalization Study Act H.R. 6551, the New Bank Application Numbers Knowledge Act (New BANK) Act H.R. 6546, Merger Process Review Act H.R. 6570, the Merger Agreement Approvals Clarity and Predictability Act H.R. 6544, The Regulatory Efficiency, Verification, Itemization, and Enhanced Workflow (REVIEW) Act H.R. 6550, the American Financial Institution Regulatory Sovereignty and Transparency (American FIRST) Act H.R. 6555, the Enhancing Bank Resolution Participation Act Ensuring Fair Access to Banking Act H.R. 6955, the Main Street Capital Access Act H.R. 7056, the Community Bank Regulatory Tailoring Act S.3940, the Access to Fair Financing for Opportunity and Resilient Development (AFFORD) Act S. 3017, the STREAMLINE Act H.R. 1799, the Financial Reporting Threshold Modernization Act
Client expense: $3,140,000 · Firm income: Not reported
Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of
2026 · first_quarter · Financial Institutions/Investments/Securities
General education around digital assets and decentralized AI To require the Secretary of the Treasury to develop a public-private partnership program with decentralized protocol developers and specialized auditing firms to examine embedded supervision and regulation of decentralized protocols, and for other purposes. H.R. 148, Keep Your Coins Act of 2025 S. 919, GENIUS Act H.R. 2392, STABLE Act H.R. 2384, Financial Technology Protection Act H.R.216, Securities Enforcement Clarity Act of 2025 H.R. 2365, Securities Clarity Act H.R.2032, BITCOIN Act H.Res.248, Resolution emphasizing the importance and power of distributed ledger technologies (DLT) to support democratic governance, human rights, internet freedom, and transparency. H.R. 1919, Anti-CBDC Surveillance State Act Legislation related to digital asset market structure legislation - HR 3633 (CLARITY Act) and the Responsible Financial Innovation Act of 2025. HR 1 (One Big Beautiful Bill Act) Issues related to the tax treatment of digital assets H.R.8149 - To amend the Internal Revenue Code of 1986 to clarify the tax treatment of digital asset rewards.
Client expense: $380,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of, White House Office
2026 · first_quarter · Banking
Protect the credit union tax exemption Support legislation and regulation that advance credit unions and their over 145 million members Support regulatory relief for credit unions Support holistic evaluation of regulatory burden on credit unions Support credit union field of membership expansion and modernization Support regulator- and bank-approved credit union-bank mergers Support financial inclusion and increased access to financial services Support modifying the credit union member business lending cap Support NCUAs existence as an independent regulator and insurer of credit unions Support assistance for minority depository institution credit unions Support regulatory relief for de novo credit unions Support harmonization of federal cyber incident notification standards Oppose Community Reinvestment Act requirements for credit unions Oppose legislative action to restrict credit union overdraft and courtesy pay programs Support regulatory framework for artificial intelligence that allows responsible innovation and recognizes credit unions compliance with existing regulations Support allowing use of artificial intelligence for regulatory reporting purposes Support mandatory arbitration agreements Oppose national interest rate cap Oppose national credit card interest rate cap Support Federal Credit Union Act modernization Support expanded natural person and corporate credit union investment authority Support expanded credit union examination cycle Support increased examination transparency Support Central Liquidity Facility and Community Development Revolving Loan Fund enhancements Oppose NCUA examination of credit union vendors Support modification of credit union loan maturity limits Oppose National Credit Union Share Insurance Fund structural changes Oppose National Credit Union Share Insurance Fund premium assessment Support parity in deposit insurance coverage levels between credit unions and banks Oppose additional Call Report fields on loans to credit union officials and senior executive staff Oppose additional Call Report fields on maturity distribution of uninsured shares Oppose making changes to Call Report requirements without using notice-and-comment process Oppose NCUA Call Report collection of overdraft and NSF fee revenue data Support modernization and simplification of Call Report form and instructions Support rescission of NCUA overdraft and NSF fee guidance Oppose collection of vendor information in NCUA Credit Union Profile Oppose changes to NCUA collection forms outside rulemaking process Support NCUA review of normal operating level and methodology Support NCUA action to permit credit union reimbursement of dependent care expenses for federal credit union official duties Oppose NCUA acting as a climate regulator Oppose NCUA rule on succession planning Oppose NCUA rule on record retention Oppose excessive NCUA requirements for supervisory committee audits Support NCUA action to reduce scope of supervisory committee examination Support NCUA recognition of digital banking in service facility definition Support clarification of NCUA member expulsion regulations Support NCUA proposed rule on increasing overdraft flexibility Support NCUA recognition of government sponsored enterprises as government agencies for loan maturity limit purposes Support NCUA adoption of floating interest rate cap Support modification of NCUA commercial loan definition Support increased flexibility in NCUA occupancy requirements Support NCUA action to clarify loan participation limits Support NCUA modification of low-income designation process Support expanding NCUA qualified charity definition Support allowing greater weighted average life for corporate credit unions financial assets Support extension of maturity limit for corporate credit union borrowing Support NCUA adopting limited retention period for operational records Support increased flexibility for advertising and notice of insured status Oppose proposed incentive-based compensation rule Support increased compliance timeline for NCUA simplification of share insurance rule Support removing reputational risk as a component of credit union examinations Support balanced implementation of debanking executive order Support increased NCUA efforts to promote credit union industry Support modernization and streamlining of NCUA operations Support NCUA supervisory flexibility for credit union shutdown assistance efforts Support NCUA action to modernize CAMELS rating system Support modernization of NCUA fidelity bond review requirements Support making CFPB subject to regular appropriations process Support increased CFPB budget transparency Support restructuring CFPB leadership to a bipartisan commission Support creation of a CFPB Inspector General Support reforms to CFPB Civil Investigative Demand process Support increasing asset thresholds for CFPB supervision of credit unions Support clarification of CFPB unfair, deceptive, or abusive acts and practices authority Support CFPB use of Section 1022 authority to exempt credit unions from certain regulations Support CFPB oversight and monitoring of nonbank entities Oppose CFPB efforts to avoid requirements of the rulemaking process Support CFPB use and disclosure of relevant data in rulemakings Support CFPB use of cost-benefit analysis in rulemaking process Support CFPB policies to promote innovation and access to credit Support CFPB coordination with NCUA on policy matters and examination scheduling Oppose mislabeling financial services fees as junk fees Oppose arbitrary limits on credit union fee income Oppose CFPB efforts to restrict information in credit reports Oppose CFPB efforts to manipulate consumer complaint data Support CFPB engaging in ongoing retrospective review of past regulations Support CFPB consumer complaint database reforms Support CFPB no-action letter program with extended timeline and increased protection of sensitive strategic information Oppose CFPB action to prohibit use of certain contractual terms and conditions Oppose expansion of consumer report and consumer reporting agency definitions under the Fair Credit Reporting Act/Regulation V Support consumer protection regulations for buy-now-pay-later loan providers Support inclusion of buy-now-pay-later loans in FHA underwriting Support CFPB use of Civil Penalty Fund for consumer financial education Support increase of Home Mortgage Disclosure Act reporting thresholds Support removal of disparate impact analysis from Regulation B and modification of discouragement standard Support credit union access to universal service fund letters of credit program Support recognition of unique credit union structure in Financial Data Transparency Act joint data standards Support federal data privacy and security standard that exempts Gramm-Leach-Bliley Act covered institutions, preempts state laws, operates on an opt-out basis, recognizes the complexity of data deletion, and does not authorize private right of action Support increased transparency for fintech bank charter applications Support Treasury development of model forms and qualified vehicle list for auto loan interest deduction Support safe harbor for credit unions related to the auto loan interest deduction Support clarification of remittance transfer tax exemptions Support inclusion of credit unions in Trump Accounts program Oppose development of a central bank digital currency Support credit union access to Federal Reserve liquidity options Support gradual expansion of Fedwire and National Settlement Service operating hours with optional participation Oppose addition of fourth same-day ACH window Support expanded flexibility for accessing the Fed discount window and intraday credit Oppose expanded eligibility for Federal Reserve master account access Oppose Regulation II debit interchange fee cap Oppose Federal Reserve proposed rule on modifying Regulation II debit interchange cap Support improvements to the Federal Reserves Debit Card Issuer Survey Oppose legislative action to impose caps or restrictions on debit or credit interchange fees Oppose legislative action to prohibit the Federal Reserve from paying interest on reserves Support Federal Reserve action to coordinate regulatory guidance on penny circulation issues and management of penny supply Support continued offering of Federal Reserve check services Oppose expansion of Electronic Fund Transfer Act/Regulation E financial institution liability Support fair distribution of Electronic Fund Transfer Act/Regulation E error resolution responsibilities Oppose Electronic Fund Transfer Act/Regulation E liability for financial institutions for consumer-authorized transactions Support clarification of funds definition under Electronic Fund Transfer Act/Regulation E Support clarification of Electronic Fund Transfer Act/Regulation E treatment of digital assets Support increased flexibility for check holds and funds availability requirements Support transition to electronic payments for government payments Support consumer education on transition to electronic payments Support clarification of information sharing safe harbor for identifying and preventing payments fraud Support greater flexibility for credit unions to decline services with clear indica of fraud or elder abuse Support parity for credit union provision of digital asset services Prevent competitive disadvantages for credit unions and market distortions related to the integration of digital assets into traditional financial products Support Treasury and NCUA action to implement regulatory framework for stablecoin issuance Support parity for credit unions related to stablecoin regulation Support NCUAs role as primary regulator of credit unions stablecoin activities Oppose treating stablecoins or digital assets as federally insured Oppose payment of interest, yield, or rewards on stablecoin holdings Support digital assets guardrails to prevent deposit outflows Support clarifying credit unions authority to provide custodial services for their members Support safeguards for rehypothecation of digital assets Support reduced government-sponsored enterprises costs for credit union mortgages Support secondary mortgage market access for credit unions Support continued role for FHFA as an independent regulator Support credit union access to Federal Home Loan Bank system Support expansion of Federal Home Loan Bank Act community financial institution definition Support Federal Home Loan Bank engagement with credit unions Oppose adoption of volume-based incentives for Federal Home Loan Banks Oppose policy changes to limit access to Federal Home Loan Bank liquidity Support Federal Home Loan Bank allocations to the Affordable Housing Program Support FinCEN implementation of the Corporate Transparency Act Support additional time to implement anti-money laundering/countering financing of terrorism program changes and publication of guidance Support increasing Currency Transaction Report and Suspicious Activity Report filing thresholds Support streamlining Currency Transaction Report and Suspicious Activity Report forms Support increased inclusion of identifiable information in Section 314(a) information requests Support consistency between NCUA and FinCEN requirements on Bank Secrecy Act compliance Support FinCEN survey to accurately measure Bank Secrecy Act compliance costs Support DOD clarification of Military Lending Act and Servicemembers Civil Relief Act requirements Support standardized disclosures and financial literacy briefings for servicemembers Support credit union access to nominal leases on military installations Oppose nominal leases for banks on military installations Oppose legislative action on the Overseas Military Banking Program Oppose inclusion of interchange or interest rate cap amendments in the National Defense Authorization Act Support federal share insurance for all credit unions acting as fiscal agents of the U.S. government Support role of Community Development Financial Institutions Fund in promoting economic growth and access to capital in underserved communities Support access to Community Development Financial Institutions Fund awards and technical assistance for credit unions Support Community Development Financial Institutions Fund bond guarantee program Support Community Development Financial Institutions Fund liquidity enhancement pilot program Support disbursement of all Community Development Financial Institution Fund appropriated award funding Oppose additional barriers to disbursement of Community Development Financial Institution Fund appropriated award funding Support timely completion of Emergency Capital Investment Program disposition agreements Oppose CFPB rulemaking on contract terms and conditions Oppose reclassification of credit header information as a consumer report Oppose reliance on single source of documentation to determine instances of identity theft or coerced debt Oppose use of interim final rule to modify personal financial data rights requirements Support modification of Section 1033 rule to allow data providers to charge fees, remove prescriptive technology standards, and establish data privacy standards and allocation of liability Support increased reporting and small business revenue threshold and elimination of discretionary data points collection in revised Section 1071 rule Support modernization of e-signature requirements Support allowing electronic or documented oral credit card applications Support increased flexibility for disclosures Support rescission of CFPB payday lending rule payment provisions Support modification of FCC revocation of consent rule Support greater flexibility for FCC fraud alert exemption Support uniform federal standards and increased federal preemption of state laws on interchange, data privacy, artificial intelligence, and elder financial abuse reporting Issues related to housing finance reform Issues related to flood insurance Issues related to privately insured credit unions Issues related to credit union capital requirements Issues related to credit union conversions Issues related to credit unions as employers Issues related to the Foreign Account Tax Compliance Act Issues related to fair lending Issues related to the Telephone Consumer Protection Act Support Credit Union Board Modernization Act (H.R. 975; S. 522) Support 1071 Repeal to Protect Small Business Lending Act (H.R. 976; S. 557) Support Making the CFPB Accountable to Small Businesses Act (H.R. 1606) Support Financial Integrity and Regulation Management Act (S. 875; H.R. 2702; Senate Amendment 3104) Support Fair Audits and Inspections for Regulators Act (H.R. 940) Support Anti-CBDC Surveillance State Act (H.R. 1919; S. 1124) Support Veterans Member Business Loan Act (H.R. 507; S. 110; Senate Amendment 3776) Support Taking Account of Bureaucrats Spending Act (H.R. 654) Support Rectifying UDAAP Act (H.R. 1652) Support Civil Investigative Demand Reform Act (H.R. 1653) Support SECURE Notarization Act (H.R. 1777; S. 1561) Support Increasing Credit Union Lending for Business Growth Act (H.R. 1791) Support Financial Reporting Threshold Modernization Act (H.R. 1799; Amendment 715 to H.R. 3838) Support Home of Your Own Act (H.R. 2064) Support Homes for Every Local Protector, Educator, and Responder Act (H.R. 2094; S. 978) Support CFPB Dual Mandate and Economic Analysis Act (H.R. 2183) Support Transparency in CFPB Cost-Benefit Analysis Act (H.R. 2331) Support CFPB-IG Reform Act (H.R. 2513) Support Homebuyers Privacy Protection Act (H.R. 2808; S. 1467) Support Financial Institution Regulatory Tailoring Enhancement Act (H.R. 3230) Support Halting Uncertain Methods and Practices in Supervision Act (H.R. 3379) Support Taking Account of Institutions with Low Operation Risk Act (H.R. 3380) Support Bureau of Consumer Financial Protection Commission Act (H.R. 3445) Support Advancing the Mentor-Protege Program for Small Financial Institutions Act (H.R. 3709) Support Expanding Access to Lending Options Act (H.R. 4167) Support CDFI Bond Guarantee Program Improvement Act (S. 1880) Support Taskforce for Recognizing and Averting Payment Scams Act (H.R. 4936; S. 2019; Senate Amendment 3257) Support Capping Excessive Awarding of SBLC Entrants Act (H.R. 2987) Support Expanding Access to Lending Options Act (H.R. 4167) Support Supervisory Modifications for Appropriate Risk-Based Testing Act (H.R. 4437) Support Stop Agency Fiat Enforcement Act (H.R. 4460) Support American Access to Banking Act (H.R. 4544) Support Protecting Access to Credit for Small Businesses Act (S. 2486) Support Business of Insurance Regulatory Reform Act (H.R. 4735; S. 2419) Support NCUA Central Liquidity Facility Enhancement Act (S. 2545, S. 3575; Senate Amendments 3722, 3834, 4384) Support CDFI Fund Transparency Act (S. 2704; Senate Amendments 3640, 3732) Support Supporting Upgraded Property Projects and Lending for Yards Act (H.R. 4568) Support Unleashing AI Innovation in Financial Services Act (H.R. 4801) Support AI Practices, Logistics, Actions, and Necessities Act (H.R. 2152) Support Streamlining Transaction Reporting and Ensuring Anti-Money Laundering Improvements for a New Era Act (S. 3017) Support NFIP Continuation Act (H.R. 5577) Support Housing for the 21st Century Act (H.R. 6644) Support Regulatory Efficiency, Verification, Itemization, and Enhanced Workflow Act (H.R. 6544) Support Community Bank Regulatory Tailoring Act (H.R. 7056) Support Close the Shadow Banking Loophole Act (S. 3734) Support American Lending Fairness Act (S. 3889; H.R. 7866) Support Community Bank Relief Act (S. 3849; H.R. 7484) Support Access to Fair Financing for Opportunity and Resilient Development Act (Senate Amendments 4354, 4394; S. 3940) Support Growing Deposit Insurance for the Future Act (H.R. 8088) Support emergency transaction account guarantee legislation (H.R. 8075) Support inclusion of guidance on penny circulation in Common Cents Act (H.R. 3074) Support parity for credit unions and prohibition on stablecoin yield in Digital Asset Market Clarity Act (H.R. 3633) Support modification of Section 705 in Renewing Opportunity in the American Dream to Housing Act (S. 2651) Support inclusion of credit union parity provisions in Main Street Capital Access Act (H.R. 6955) Oppose 10 Percent Credit Card Interest Rate Cap Act (H.R. 1944; S. 381; Senate Amendment 2239) Oppose Credit Card Competition Act (Senate Amendments 2229, 2230, 2345, 4305; S. 3623; H.R. 7035) Oppose commissary interchange fee study (Senate Amendment 3216) Oppose End the Feds Big Bank Bailout Act (S. 2113; Senate Amendment 3761) Oppose Credit Card Fairness Act (S. 3660)
Client expense: $1,130,000 · Firm income: Not reported
Government targets: Consumer Financial Protection Bureau (CFPB), Defense, Dept of (DOD), Executive Office of the President (EOP), Federal Communications Commission (FCC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Financial Crimes Enforcement Network (FinCEN), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Justice, Dept of (DOJ), Natl Credit Union Administration (NCUA), Natl Economic Council (NEC), Office of Management & Budget (OMB), SENATE, Small Business Administration (SBA), Treasury, Dept of
2026 · first_quarter · Financial Institutions/Investments/Securities
Issues related to digital asset market structure: (Not introduced) The Responsible Financial Innovation Act; S.3755/S.4064 - Digital Commodity Intermediaries Act; H.R.3633 - Digital Asset Market Clarity Act; H.R.1919 - Anti-CBDC Surveillance State Act; H.R.3533/S.3611 - The Blockchain Regulatory Certainty Act Issues related to combatting illicit finance: H.R. 2824 - Financial Technology Protection Act of 2025; S.3428 - SAFE Crypto Act Issues related to banking legislation: S.875 - Financial Integrity and Regulation Management Act Issues related to stablecoin legislation implementation; S. 919 - Guiding and Establishing National Innovation for U.S. Stablecoins (GENIUS) Act.
Client expense: $300,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2025 · fourth_quarter · Financial Institutions/Investments/Securities
H.R. 1181, the Protecting Privacy in Purchases Act Credit Card Competition Act HR 6544 The Regulatory Efficiency, Verification, Itemization, and Enhanced Workflow (REVIEW) Act H.R. 4429, the Developing and Empowering our Aspiring Leaders (DEAL) Act H.R. 4430, the Expanding WKSI Eligibility Act H.R. 4431, the Improving Capital Allocation for Newcomers (ICAN) Act S 2989 Stop Medical Profiteering and Theft (MPT) Act H.R. 4130, the Small Business Relief Act H.R. 6541, the Regulation A+ Improvement Act HR 4801 Unleashing AI Innovation in Financial Services Act HR 3959 Protecting Private Job Creators Act S. 710 Crypto ATM Fraud Prevention Act H. R. 1919 Anti-CBDC Surveillance State Act H.R. 3633, the CLARITY Act (crypto market regulation) Responsible Financial Innovation Act PE and childcare Crypto tax policy HR 3383, the INVEST Act Proxy advisors H.R. 5577 the NFIP Extension Act of 2026 Insurance crisis consumer protections, supervision, and bailout policy National Flood Insurance Program (NFIP) policy reform
Client expense: $150,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2025 · fourth_quarter · Financial Institutions/Investments/Securities
General education around digital assets and decentralized AI To require the Secretary of the Treasury to develop a public-private partnership program with decentralized protocol developers and specialized auditing firms to examine embedded supervision and regulation of decentralized protocols, and for other purposes. H.R. 148, Keep Your Coins Act of 2025 S. 919, GENIUS Act H.R. 2392, STABLE Act H.R. 2384, Financial Technology Protection Act H.R.216, Securities Enforcement Clarity Act of 2025 H.R. 2365, Securities Clarity Act H.R.2032, BITCOIN Act H.Res.248, Resolution emphasizing the importance and power of distributed ledger technologies (DLT) to support democratic governance, human rights, internet freedom, and transparency. H.R. 1919, Anti-CBDC Surveillance State Act Legislation related to digital asset market structure legislation - HR 3633 (CLARITY Act) and the Responsible Financial Innovation Act of 2025. HR 1 (One Big Beautiful Bill Act) Issues related to the tax treatment of digital assets H.R.8149 - To amend the Internal Revenue Code of 1986 to clarify the tax treatment of digital asset rewards.
Client expense: $440,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of, White House Office
2025 · first_quarter · Banking
Issues related to decentralized finance, decentralized and peer-to-peer economic activities and related assets, digital rights, and decentralized web applications using blockchain and related distributed ledger technologies, including: S.J. Res. 3/ H.J. Res. 25 Resolution Disapproving Broker Rule; S. 401Fair Access to Banking Act; H.R. 987 Fair Access to Banking Act; H.R. 148 Keep Your Coins Act of 2025; S. 919GENIUS Act; H.R. 2392; STABLE Act; S. 1188 FLARE Act; H.R. 2384 Financial Technology Protection Act; H.R. 216 Securities Enforcement Clarity Act of 2025; H.R. 2365 Securities Clarity Act; S. 875 FIRM Act; H.R. 2032 BITCOIN Act; H.Res. 248 Resolution emphasizing the importance and power of distributed ledger technologies (DLT) to support democratic governance, human rights, internet freedom, and transparency; H.R. 1919 Anti-CBDC Surveillance State Act; H.R. 1664 Deploying American Blockchains Act of 2025
Client expense: $470,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2025 · first_quarter · Financial Institutions/Investments/Securities
Issues related to decentralized finance, decentralized and peer-to-peer economic activities and related assets, digital rights, and decentralized web applications using blockchain and related distributed ledger technologies, including: S.J. Res. 3/ H.J. Res. 25 Resolution Disapproving Broker Rule; S. 37 Venezuela Advancing Liberty, Opportunity, and Rights Act (VALOR Act); S. 401Fair Access to Banking Act; H.R. 987 Fair Access to Banking Act; H.R. 148 Keep Your Coins Act of 2025; S. 919GENIUS Act; H.R. 2392; STABLE Act; S. 1188 FLARE Act; H.R. 2384 Financial Technology Protection Act; H.R. 216 Securities Enforcement Clarity Act of 2025; H.R. 2365 Securities Clarity Act; S. 875 FIRM Act; H.R. 2032 BITCOIN Act; H.Res. 248 Resolution emphasizing the importance and power of distributed ledger technologies (DLT) to support democratic governance, human rights, internet freedom, and transparency; H.R. 1919 Anti-CBDC Surveillance State Act; H.R. 1664 Deploying American Blockchains Act of 2025
Client expense: $470,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2025 · second_quarter · Banking
Issues related to decentralized finance, decentralized and peer-to-peer economic activities and related assets, digital rights, and decentralized web applications using blockchain and related distributed ledger technologies, including: S.J. Res. 3/ H.J. Res. 25 Resolution Disapproving Broker Rule; S. 401Fair Access to Banking Act; H.R. 987 Fair Access to Banking Act; H.R. 148 Keep Your Coins Act of 2025; S. 919GENIUS Act; H.R. 2392; STABLE Act; S. 1188 FLARE Act; H.R. 2384 Financial Technology Protection Act; H.R. 216 Securities Enforcement Clarity Act of 2025; H.R. 2365 Securities Clarity Act; S. 875 FIRM Act; H.R. 2032 BITCOIN Act; H.Res. 248 Resolution emphasizing the importance and power of distributed ledger technologies (DLT) to support democratic governance, human rights, internet freedom, and transparency; H.R. 1919 Anti-CBDC Surveillance State Act; H.R. 1664 Deploying American Blockchains Act of 2025
Client expense: $490,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE, White House Office
2025 · second_quarter · Financial Institutions/Investments/Securities
Issues related to decentralized finance, decentralized and peer-to-peer economic activities and related assets, digital rights, and decentralized web applications using blockchain and related distributed ledger technologies, including: H.R.1919 Anti-CBDC Surveillance State Act H.R.2392 STABLE Act of 2025 S.1870 Prohibiting Foreign Adversary Interference in Cryptocurrency Markets Act H.R.2544/ S.1222 Financial Freedom Act of 2025 S.1273 Combatting Money Laundering in Cyber Crime Act H.R.2978 GUARD Act H.R. 148 Keep Your Coins Act of 2025 S.1582 GENIUS Act S.1620 MEME Act S.1668 End Crypto Corruption Act of 2025 H.R.3314 Stop Presidential Profiteering from Digital Assets Act H.R. 1 The One Big Beautiful Bill Act H.R.3533 Blockchain Regulatory Certainty Act (BRCA) H.R. 3573 Stop TRUMP in Crypto Act of 2025 H.R.3633 CLARITY Act S.2207 (A bill to amend the Internal Revenue Code of 1986 to reform the treatment of digital assets)
Client expense: $490,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE, White House Office
2025 · third_quarter · Banking
Issues related to decentralized finance, decentralized and peer-to-peer economic activities and related assets, digital rights, and decentralized web applications using blockchain and related distributed ledger technologies, including: S.J. Res. 3/ H.J. Res. 25 Resolution Disapproving Broker Rule; S. 401Fair Access to Banking Act; H.R. 987 Fair Access to Banking Act; H.R. 148 Keep Your Coins Act of 2025; S. 919GENIUS Act; H.R. 2392; STABLE Act; S. 1188 FLARE Act; H.R. 2384 Financial Technology Protection Act; H.R. 216 Securities Enforcement Clarity Act of 2025; H.R. 2365 Securities Clarity Act; S. 875 FIRM Act; H.R. 2032 BITCOIN Act; H.Res. 248 Resolution emphasizing the importance and power of distributed ledger technologies (DLT) to support democratic governance, human rights, internet freedom, and transparency; H.R. 1919 Anti-CBDC Surveillance State Act; H.R. 1664 Deploying American Blockchains Act of 2025
Client expense: $490,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE, White House Office
2025 · third_quarter · Financial Institutions/Investments/Securities
Issues related to decentralized finance, decentralized and peer-to-peer economic activities and related assets, digital rights, and decentralized web applications using blockchain and related distributed ledger technologies, including: H.R.1919 Anti-CBDC Surveillance State Act H.R.2392 STABLE Act of 2025 S.1870 Prohibiting Foreign Adversary Interference in Cryptocurrency Markets Act H.R.2544/ S.1222 Financial Freedom Act of 2025 S.1273 Combatting Money Laundering in Cyber Crime Act H.R.2978 GUARD Act H.R. 148 Keep Your Coins Act of 2025 S.1582 GENIUS Act S.1620 MEME Act S.1668 End Crypto Corruption Act of 2025 H.R.3314 Stop Presidential Profiteering from Digital Assets Act H.R. 1 The One Big Beautiful Bill Act H.R.3533 Blockchain Regulatory Certainty Act (BRCA) H.R. 3573 Stop TRUMP in Crypto Act of 2025 H.R.3633 CLARITY Act S.2207 (A bill to amend the Internal Revenue Code of 1986 to reform the treatment of digital assets)
Client expense: $490,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE, White House Office
2025 · fourth_quarter · Banking
Issues related to decentralized finance, decentralized and peer-to-peer economic activities and related assets, digital rights, and decentralized web applications using blockchain and related distributed ledger technologies, including: S.J. Res. 3 Resolution Disapproving Broker Rule H.J. Res. 25 Resolution Disapproving Broker Rule H.R. 1 The One Big Beautiful Bill Act H.R. 148 Keep Your Coins Act of 2025 S. 401 Fair Access to Banking Act H.R. 987 Fair Access to Banking Act S.1582 GENIUS Act H.R. 2392 STABLE Act S.1188 FLARE Act H.R. 2384 Financial Technology Protection Act H.R.216 Securities Enforcement Clarity Act of 2025 H.R. 2365 Securities Clarity Act S.875 FIRM Act S.954 BITCOIN Act H.R.2032 BITCOIN Act H.Res.248 Resolution emphasizing the importance and power of distributed ledger technologies (DLT) to support democratic governance, human rights, internet freedom, and transparency. H.R. 1919 Anti-CBDC Surveillance State Act H.R. 1664 Deploying American Blockchains Act of 2025 S.1273 Combatting Money Laundering in Cyber Crime Act S.1223 Prohibiting Foreign Adversary Interference in Cryptocurrency Markets Act H.R.2544 / S.1222 Financial Freedom Act of 2025 H.R.3533 Blockchain Regulatory Certainty Act (BRCA) S.1620 / H.R.1712 MEME Act H.R.3314 Stop Presidential Profiteering from Digital Assets Act H.R.3633 CLARITY Act H.R.2978 GUARD Act H.R. 3573 Stop TRUMP in Crypto Act of 2025 S.1668 End Crypto Corruption Act of 2025 S.2207 Lummis Tax Package S.2296 National Defense Authorization Act for Fiscal Year 2026 H.R.4438 Power of the Mint Act H.R.3339 Equal Opportunity for All Investors Act H.R.2384 Financial Technology Protection Act of 2025 H.R.4394 Compliant Operations of Decentralized Entities (CODE) Act of 2025 S.2528 Unleashing AI Innovation in Financial Services Act H.R.4988 Scam Farms Marque and Reprisal Authorization Act of 2025 H.R.4374 American Homeowner Crypto Modernization Act H.R.1770 Consumer Safety Technology Act S.710 Crypto ATM Fraud Prevention Act of 2025 H.R.3699 Energy Choice Act S.3428 SAFE Crypto Act
Client expense: $520,000 · Firm income: Not reported
Government targets: Executive Office of the President (EOP), HOUSE OF REPRESENTATIVES, SENATE, White House Office
2025 · fourth_quarter · Financial Institutions/Investments/Securities
Issues related to decentralized finance, decentralized and peer-to-peer economic activities and related assets, digital rights, and decentralized web applications using blockchain and related distributed ledger technologies, including: S.J. Res. 3 Resolution Disapproving Broker Rule H.J. Res. 25 Resolution Disapproving Broker Rule H.R. 1 The One Big Beautiful Bill Act H.R. 148 Keep Your Coins Act of 2025 S. 401 Fair Access to Banking Act H.R. 987 Fair Access to Banking Act S.1582 GENIUS Act H.R. 2392 STABLE Act S.1188 FLARE Act H.R. 2384 Financial Technology Protection Act H.R.216 Securities Enforcement Clarity Act of 2025 H.R. 2365 Securities Clarity Act S.875 FIRM Act S.954 BITCOIN Act H.R.2032 BITCOIN Act H.Res.248 Resolution emphasizing the importance and power of distributed ledger technologies (DLT) to support democratic governance, human rights, internet freedom, and transparency. H.R. 1919 Anti-CBDC Surveillance State Act H.R. 1664 Deploying American Blockchains Act of 2025 S.1273 Combatting Money Laundering in Cyber Crime Act S.1223 Prohibiting Foreign Adversary Interference in Cryptocurrency Markets Act H.R.2544 / S.1222 Financial Freedom Act of 2025 H.R.3533 Blockchain Regulatory Certainty Act (BRCA) S.1620 / H.R.1712 MEME Act H.R.3314 Stop Presidential Profiteering from Digital Assets Act H.R.3633 CLARITY Act H.R.2978 GUARD Act H.R. 3573 Stop TRUMP in Crypto Act of 2025 S.1668 End Crypto Corruption Act of 2025 S.2207 Lummis Tax Package S.2296 National Defense Authorization Act for Fiscal Year 2026 H.R.4438 Power of the Mint Act H.R.3339 Equal Opportunity for All Investors Act H.R.2384 Financial Technology Protection Act of 2025 H.R.4394 Compliant Operations of Decentralized Entities (CODE) Act of 2025 S.2528 Unleashing AI Innovation in Financial Services Act H.R.4988 Scam Farms Marque and Reprisal Authorization Act of 2025 H.R.4374 American Homeowner Crypto Modernization Act H.R.1770 Consumer Safety Technology Act S.710 Crypto ATM Fraud Prevention Act of 2025 H.R.3699 Energy Choice Act S.3428 SAFE Crypto Act
Client expense: $520,000 · Firm income: Not reported
Government targets: Executive Office of the President (EOP), HOUSE OF REPRESENTATIVES, SENATE, White House Office
2025 · third_quarter · Financial Institutions/Investments/Securities
Issues related to cryptocurrencies, decentralized finance, digital rights, regulatory framework for stablecoins, and central bank digital currency regulations and proposals (S.J. Res. 3 Resolution Disapproving Broker Rule; H.J. Res. 25 Resolution Disapproving Broker Rule; H.R. 1 The One Big Beautiful Bill Act; H.R. 148 Keep Your Coins Act of 2025; S. 401/ H.R. 987 Fair Access to Banking Act; S.1582 GENIUS Act; H.R. 2384 Financial Technology Protection Act; H.R. 2392 STABLE Act; S.875 FIRM Act; H.R. 1919 Anti-CBDC Surveillance State Act; S.1273 Combatting Money Laundering in Cyber Crime Act; S.1870 Prohibiting Foreign Adversary Interference in Cryptocurrency; H.R.2544 / S. 1222 Financial Freedom Act of 2025; H.R. 3533 / Blockchain Regulatory Certainty Act (BRCA); H.R.3633 CLARITY Act; H.R.2978 GUARD Act; S.2207 Lummis Tax Package; S.2296 National Defense Authorization Act for Fiscal Year 2026; H.R.3339 Equal Opportunity for All Investors Act; H.R.2384 Financial Technology Protection Act of 2025; H.R.4394 Compliant Operations of Decentralized Entities (CODE) Act of 2025; S.2528 Unleashing AI Innovation in Financial Services Act; H.R.4988 Scam Farms Marque and Reprisal Authorization Act of 2025).
Client expense: $560,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE, White House Office
2025 · third_quarter · Banking
Issues related to cryptocurrencies, decentralized finance, digital rights, regulatory framework for stablecoins, and central bank digital currency regulations and proposals (S.J. Res. 3 Resolution Disapproving Broker Rule; H.J. Res. 25 Resolution Disapproving Broker Rule; H.R. 1 The One Big Beautiful Bill Act; H.R. 148 Keep Your Coins Act of 2025; S. 401/ H.R. 987 Fair Access to Banking Act; S.1582 GENIUS Act; H.R. 2384 Financial Technology Protection Act; H.R. 2392 STABLE Act; S.875 FIRM Act; H.R. 1919 Anti-CBDC Surveillance State Act; S.1273 Combatting Money Laundering in Cyber Crime Act; S.1870 Prohibiting Foreign Adversary Interference in Cryptocurrency; H.R.2544 / S. 1222 Financial Freedom Act of 2025; H.R. 3533 / Blockchain Regulatory Certainty Act (BRCA); H.R.3633 CLARITY Act; H.R.2978 GUARD Act; S.2207 Lummis Tax Package; S.2296 National Defense Authorization Act for Fiscal Year 2026; H.R.3339 Equal Opportunity for All Investors Act; H.R.2384 Financial Technology Protection Act of 2025; H.R.4394 Compliant Operations of Decentralized Entities (CODE) Act of 2025; S.2528 Unleashing AI Innovation in Financial Services Act; H.R.4988 Scam Farms Marque and Reprisal Authorization Act of 2025).
Client expense: $560,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE, White House Office
2025 · fourth_quarter · Financial Institutions/Investments/Securities
Issues related to cryptocurrencies, decentralized finance, digital rights, regulatory framework for stablecoins, and central bank digital currency regulations and proposals (S.J. Res. 3 Resolution Disapproving Broker Rule; H.R. 148 Keep Your Coins Act of 2025; S. 1582 GENIUS Act; H.R. 2393 STABLE Act; H.R. 2384 Financial Technology Protection Act; S. 875 FIRM Act; H.R. 1919 Anti-CBDC Surveillance State Act; S. 1273 Combatting Money Laundering in Cyber Crime Act; H.R. 2544 / S. 1222 Financial Freedom Act of 2025; H.R. 3533 Blockchain Regulatory Certainty Act (BRCA); H.R. 3633 CLARITY Act; H.R. 2978 GUARD Act; S. 2207 Lummis Tax Package; H.R. 2384 Financial Technology Protection Act of 2025).
Client expense: $590,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE, White House Office
2025 · fourth_quarter · Financial Institutions/Investments/Securities
HR 1919 "Anti-CBDC Surveillance State Act," all provisions.
Client expense: $20,000 · Firm income: Not reported
Government targets: SENATE
2025 · fourth_quarter · Banking
H.R. 148, Keep Your Coins Act of 2025 H.R. 987/S. 401, Fair Access to Banking Act H.R. 1664, Deploying American Blockchains Act of 2025 H.R. 1919, Anti-CBDC Surveillance State Act H.R. 2032, BITCOIN Act H.R. 2384, Financial Technology Protection Act H.R. 3339, Equal Opportunity for All Investors Act H.R. 3533, Blockchain Regulatory Certainty Act (BRCA) H.R. 3633, CLARITY Act H.R. 3633, Digital Asset Market Clarity Act draft as amended by the Senate Banking Committee S. 710, Crypto ATM Fraud Prevention Act of 2025 S. 875, FIRM Act S. 1273, Combatting Money Laundering in Cyber Crime Act S. 2207, Lummis Tax Package S. 2296, National Defense Authorization Act for Fiscal Year 2026 S. 3428, SAFE Crypto Act
Client expense: Not reported · Firm income: $50,000
Government targets: HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of
2025 · fourth_quarter · Commodities (big ticket)
H.R. 148, Keep Your Coins Act of 2025 H.R. 987/S. 401, Fair Access to Banking Act H.R. 1664, Deploying American Blockchains Act of 2025 H.R. 1919, Anti-CBDC Surveillance State Act H.R. 2384, Financial Technology Protection Act H.R. 3339, Equal Opportunity for All Investors Act H.R. 3533, Blockchain Regulatory Certainty Act (BRCA) H.R. 3633, CLARITY Act S. 875, FIRM Act S. 954, BITCOIN Act S. 1273, Combatting Money Laundering in Cyber Crime Act S. 2207, Lummis Tax Package
Client expense: Not reported · Firm income: $50,000
Government targets: HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of
2025 · fourth_quarter · Financial Institutions/Investments/Securities
H.R. 148, Keep Your Coins Act of 2025 H.R. 987/S. 401, Fair Access to Banking Act H.R. 1664, Deploying American Blockchains Act of 2025 H.R. 1919, Anti-CBDC Surveillance State Act H.R. 2032/S. 954, BITCOIN Act H.R. 2384, Financial Technology Protection Act H.R. 3339, Equal Opportunity for All Investors Act H.R. 3533, Blockchain Regulatory Certainty Act (BRCA) H.R. 3633, CLARITY Act H.R. 3633, Digital Asset Market Clarity Act draft as amended by the Senate Banking Committee H.R. 4394, Compliant Operations of Decentralized Entities (CODE) Act of 2025 S. 710, Crypto ATM Fraud Prevention Act of 2025 S. 875, FIRM Act S. 1273, Combatting Money Laundering in Cyber Crime Act S. 2207, Lummis Tax Package S. 2296, National Defense Authorization Act for Fiscal Year 2026 S. 2528, Unleashing AI Innovation in Financial Services Act S. 3428, SAFE Crypto Act
Client expense: Not reported · Firm income: $50,000
Government targets: HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of
2025 · fourth_quarter · Banking
H.R. 478/S. 113, Promoting New Bank Formation Act S. 875/H.R. 2702, Financial Integrity and Regulation Management (FIRM) Act H.R. 1919/S. 1124, the Anti-CBDC Surveillance State Act H.R. 976/S. 557, the 1071 Repeal to Protect Small Business Lending Act H.R. 2392, the Stablecoin Transparency and Accountability for a Better Ledger Economy Act of 2025 (STABLE Act) S. 394/ S.919, Guiding and Establishing National Innovation for U.S. Stablecoins Act (GENIUS) Credit Card Competition Act H.R. 1944/S. 381, the 10 Percent Credit Card Interest Rate Cap Act H.R. 654, the Taking Account of Bureaucrats Spending (TABS) Act of 2025 H.R. 987/S. 401, the Fair Access to Banking Act H.R. 1652, the Rectifying UDAAP Act H.R. 3445, the Bureau of Consumer Financial Protection Commission Act H.R. 1653, the CID Reform Act Business of Insurance Regulatory Reform Act H.R. 2513, CFPB-IG Reform Act H.R. 2183, the CFPB Dual Mandate and Economic Analysis Act H.R. 2331, the Transparency in CFPB Cost-Benefit Analysis Act H.R. 1606, the Making the CFPB Accountable to Small Business Act Cybersecurity Information Sharing Act Community Development Financial Institutions (CDFI) Fund Secure and Fair Enforcement (SAFE) Banking Act Regulatory Tailoring Community Reinvestment Act Dodd-Frank Section 1033 Open Banking Rule Deposit Insurance Reform National Bank Preemption H.R. 306, the Ending Scam Credit Repair Act Bank On Certification Program Central Bank Digital Currency Cryptocurrency Stablecoin Digital Assets Bank Capital Requirements/Basel Capital Proposal UDAAP Supervisory Policies and Adjudication Procedures Applying Community Reinvestment Act to credit unions Merchant Category Codes H.R. 1181, Protecting Privacy in Purchases Act H.R.1602, Financial Privacy Act of 2025 Foreign Affiliate Sharing Pilot Program Extension Act Financial Innovation and Technology for the 21st Century Act H.R.1631, Safe Access to Cash Act of 2025 H.R.2885, Bank Loan Privacy Act H.R. 941, Small Lender 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 Artificial Intelligence Risk Management, Regulation, and Innovation CDFI Certification & Funding Federal Reserve Discount Window and Emergency Lending Authority Tokenization of Assets Fraud Issues Peer-To-Peer Payment Fraud Financial Data Transparency Act Rulemaking FDIC Brokered Deposit Proposal H.R. 3633, the Digital Asset Market Clarity (CLARITY) Act of 2025 H.R.1900 - Bank Failure Prevention Act of 2025 H.R.3230 - Financial Institution Regulatory Tailoring Enhancement Act H.R.8287 - Stress Testing Accountability and Transparency Act H.R. 2835, the Small Bank Holding Company Relief Act H.R. 3709, the Advancing the Mentor-Protege Program for Small Financial Institutions Act H.R. 3716, the Systemic Risk Authority Transparency Act H.R. 940, the Fair Audits and Inspections for Regulators' (FAIR) Exams Act H.R. 3379, the Halting Uncertain Methods and Practices in Supervision (HUMPS) Act of 2025 H.R. 3380, the Taking Account of Institutions with Low Operation Risk (TAILOR) Act of 2025 S.2019 - Task Force for Recognizing and Averting Payments Scams (TRAPS) Act H.R. 3390, the Bringing the Discount Window into the 21st Century Act H.R. 4460, the Stop Agency Fiat Enforcement of Guidance (SAFE Guidance) Act H.R. 3446, the FDIC Board Accountability Act H.R. 4544, The American Access to Banking Act H.R. 4478, the Tailored Regulatory Updates for Supervisory Testing Act of 2025 (TRUST Act) H.R. 4437, the Supervisory Modifications for Appropriate Risk-Based Testing Act of 2025 (SMART Act) H.R. 5270, the Stress Testing Accountability and Transparency Act H.R. 5276, the Community Bank Leverage Improvement and Flexibility for Transparency (Community Bank LIFT) Act H.R. 5291, the Merchant Banking Modernization Act H.R. 5262, the Bank Competition Modernization Act Legislation to support Minority Depository Institutions H.R. 6553, the Tailoring and Indexing Enhanced Regulations (TIER) Act H.R. 6554, the Community Bank Representation Act H.R. 6536, Rural Depositories Revitalization Study Act H.R. 6551, the New Bank Application Numbers Knowledge Act (New BANK) Act H.R. 6546, Merger Process Review Act H.R. 6570, the Merger Agreement Approvals Clarity and Predictability Act H.R. 6544, The Regulatory Efficiency, Verification, Itemization, and Enhanced Workflow (REVIEW) Act H.R. 6550, the American Financial Institution Regulatory Sovereignty and Transparency (American FIRST) Act H.R. 6555, the Enhancing Bank Resolution Participation Act Ensuring Fair Access to Banking Act
Client expense: $1,700,000 · Firm income: Not reported
Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of
2025 · fourth_quarter · Banking
Protect the credit union tax exemption Support legislation and regulation that advance credit unions and their over 144 million members Support regulatory relief for credit unions Support holistic evaluation of regulatory burden on credit unions Support credit union field of membership expansion and modernization Support regulator- and bank-approved credit union-bank mergers Support financial inclusion and increased access to financial services Support modifying the credit union member business lending cap Support NCUAs existence as an independent regulator and insurer of credit unions Support assistance for minority depository institution credit unions Support regulatory relief for de novo credit unions Support harmonization of federal cyber incident notification standards Oppose Community Reinvestment Act requirements for credit unions Oppose legislative action to restrict credit union overdraft and courtesy pay programs Support regulatory framework for artificial intelligence that allows responsible innovation and recognizes credit unions compliance with existing regulations Support allowing use of artificial intelligence for regulatory reporting purposes Support mandatory arbitration agreements Oppose national interest rate cap Support Federal Credit Union Act modernization Support expanded natural person and corporate credit union investment authority Support expanded credit union examination cycle Support increased examination transparency Support Central Liquidity Facility and Community Development Revolving Loan Fund enhancements Oppose NCUA examination of credit union vendors Support modification of credit union loan maturity limits Oppose National Credit Union Share Insurance Fund structural changes Oppose National Credit Union Share Insurance Fund premium assessment Support parity in deposit insurance coverage levels between credit unions and banks Oppose additional Call Report fields on loans to credit union officials and senior executive staff Oppose additional Call Report fields on maturity distribution of uninsured shares Oppose making changes to Call Report requirements without using notice-and-comment process Oppose NCUA Call Report collection of overdraft and NSF fee revenue data Support modernization and simplification of Call Report form and instructions Support rescission of NCUA overdraft and NSF fee guidance Oppose collection of vendor information in NCUA Credit Union Profile Oppose changes to NCUA collection forms outside rulemaking process Support NCUA review of normal operating level and methodology Support NCUA action to permit credit union reimbursement of childcare expenses for federal credit union board meetings Oppose NCUA acting as a climate regulator Oppose NCUA rule on succession planning Oppose NCUA rule on record retention Oppose excessive NCUA requirements for supervisory committee audits Support NCUA recognition of digital banking in service facility definition Support clarification of NCUA member expulsion regulations Support NCUA proposed rule on increasing overdraft flexibility Support NCUA recognition of government sponsored enterprises as government agencies for loan maturity limit purposes Support NCUA adoption of floating interest rate cap Support modification of NCUA commercial loan definition Support increased flexibility in NCUA occupancy requirements Support NCUA action to clarify loan participation limits Support NCUA modification of low-income designation process Support expanding NCUA qualified charity definition Support allowing greater weighted average life for corporate credit unions financial assets Support extension of maturity limit for corporate credit union borrowing Support NCUA action to reduce scope of supervisory committee examination Support NCUA adopting limited retention period for operational records Support increased flexibility for advertising and notice of insured status Oppose proposed incentive-based compensation rule Support increased compliance timeline for NCUA simplification of share insurance rule Support removing reputational risk as a component of credit union examinations Support balanced implementation of debanking executive order Support increased NCUA efforts to promote credit union industry Support modernization and streamlining of NCUA operations Support NCUA supervisory flexibility for credit union shutdown assistance efforts Support NCUA action to modernize CAMELS rating system Support modernization of NCUA fidelity bond review requirements Support making CFPB subject to regular appropriations process Support increased CFPB budget transparency Support restructuring CFPB leadership to a bipartisan commission Support creation of a CFPB Inspector General Support reforms to CFPB Civil Investigative Demand process Support increasing asset thresholds for CFPB supervision of credit unions Support clarification of CFPB unfair, deceptive, or abusive acts and practices authority Support CFPB use of Section 1022 authority to exempt credit unions from certain regulations Support CFPB oversight and monitoring of nonbank entities Oppose CFPB efforts to avoid requirements of the rulemaking process Support CFPB use and disclosure of relevant data in rulemakings Support CFPB use of cost-benefit analysis in rulemaking process Support CFPB policies to promote innovation and access to credit Support CFPB coordination with NCUA on policy matters and examination scheduling Oppose mislabeling financial services fees as junk fees Oppose arbitrary limits on credit union fee income Oppose CFPB efforts to restrict information in credit reports Oppose CFPB efforts to manipulate consumer complaint data Support CFPB engaging in ongoing retrospective review of past regulations Support CFPB consumer complaint database reforms Support CFPB no-action letter program with extended timeline and increased protection of sensitive strategic information Oppose CFPB action to prohibit use of certain contractual terms and conditions Oppose expansion of consumer report and consumer reporting agency definitions under the Fair Credit Reporting Act/Regulation V Support consumer protection regulations for buy-now-pay-later loan providers Support inclusion of buy-now-pay-later loans in FHA underwriting Support CFPB use of Civil Penalty Fund for consumer financial education Support increase of Home Mortgage Disclosure Act reporting thresholds Support removal of disparate impact analysis from Regulation B and modification of discouragement standard Support credit union access to universal service fund letters of credit program Support recognition of unique credit union structure in Financial Data Transparency Act joint data standards Support federal data privacy and security standard that exempts Gramm-Leach-Bliley Act covered institutions, preempts state laws, operates on an opt-out basis, recognizes the complexity of data deletion, and does not authorize private right of action Support increased transparency for fintech bank charter applications Support Treasury development of model forms and qualified vehicle list for auto loan interest deduction Support safe harbor for credit unions related to the auto loan interest deduction Support clarification of remittance transfer tax exemptions Support inclusion of credit unions in Trump Accounts program Oppose development of a central bank digital currency Support credit union access to Federal Reserve liquidity options Support gradual expansion of Fedwire and National Settlement Service operating hours with optional participation Oppose addition of fourth same-day ACH window Support expanded flexibility for accessing the Fed discount window and intraday credit Oppose expanded eligibility for Federal Reserve master account access Oppose Regulation II debit interchange fee cap Oppose Federal Reserve proposed rule on modifying Regulation II debit interchange cap Support improvements to the Federal Reserves Debit Card Issuer Survey Oppose legislative action to impose caps or restrictions on debit or credit interchange fees Oppose legislative action to prohibit the Federal Reserve from paying interest on reserves Support Federal Reserve action to coordinate regulatory guidance on penny circulation issues and management of penny supply Oppose expansion of Electronic Fund Transfer Act/Regulation E financial institution liability Support fair distribution of Electronic Fund Transfer Act/Regulation E error resolution responsibilities Oppose Electronic Fund Transfer Act/Regulation E liability for financial institutions for consumer-authorized transactions Support clarification of funds definition under Electronic Fund Transfer Act/Regulation E Support clarification of Electronic Fund Transfer Act/Regulation E treatment of digital assets Support increased flexibility for check holds and funds availability requirements Support transition to electronic payments for government payments Support consumer education on transition to electronic payments Support clarification of information sharing safe harbor for identifying and preventing payments fraud Support greater flexibility for credit unions to decline services with clear indica of fraud or elder abuse Support parity for credit union provision of digital asset services Prevent competitive disadvantages for credit unions and market distortions related to the integration of digital assets into traditional financial products Support Treasury and NCUA action to implement regulatory framework for stablecoin issuance Support parity for credit unions related to stablecoin regulation Support NCUAs role as primary regulator of credit unions stablecoin activities Oppose treating stablecoins or digital assets as federally insured Support digital assets guardrails to prevent deposit outflows Support clarifying credit unions authority to provide custodial services for their members Support safeguards for rehypothecation of digital assets Support reduced government-sponsored enterprises costs for credit union mortgages Support secondary mortgage market access for credit unions Support continued role for FHFA as an independent regulator Support credit union access to Federal Home Loan Bank system Support expansion of Federal Home Loan Bank Act community financial institution definition Support Federal Home Loan Bank engagement with credit unions Oppose adoption of volume-based incentives for Federal Home Loan Banks Oppose policy changes to limit access to Federal Home Loan Bank liquidity Support Federal Home Loan Bank allocations to the Affordable Housing Program Support FinCEN implementation of the Corporate Transparency Act Support additional time to implement anti-money laundering/countering financing of terrorism program changes and publication of guidance Support increasing Currency Transaction Report and Suspicious Activity Report filing thresholds Support streamlining Currency Transaction Report and Suspicious Activity Report forms Support increased inclusion of identifiable information in Section 314(a) information requests Support consistency between NCUA and FinCEN requirements on Bank Secrecy Act compliance Support FinCEN survey to accurately measure Bank Secrecy Act compliance costs Support DOD clarification of Military Lending Act and Servicemembers Civil Relief Act requirements Support standardized disclosures and financial literacy briefings for servicemembers Support credit union access to nominal leases on military installations Oppose nominal leases for banks on military installations Oppose legislative action on the Overseas Military Banking Program Oppose inclusion of interchange or interest rate cap amendments in the National Defense Authorization Act Support federal share insurance for all credit unions acting as fiscal agents of the U.S. government Support role of Community Development Financial Institutions Fund in promoting economic growth and access to capital in underserved communities Support access to Community Development Financial Institutions Fund awards and technical assistance for credit unions Support Community Development Financial Institutions Fund bond guarantee program Support Community Development Financial Institutions Fund liquidity enhancement pilot program Support disbursement of all Community Development Financial Institution Fund appropriated award funding Support timely completion of Emergency Capital Investment Program disposition agreements Oppose CFPB rulemaking on contract terms and conditions Oppose reclassification of credit header information as a consumer report Oppose reliance on single source of documentation to determine instances of identity theft or coerced debt Oppose use of interim final rule to modify personal financial data rights requirements Support modification of Section 1033 rule to allow data providers to charge fees, remove prescriptive technology standards, and establish data privacy standards and allocation of liability Support increased reporting and small business revenue threshold and elimination of discretionary data points collection in revised Section 1071 rule Support modernization of e-signature requirements Support allowing electronic or documented oral credit card applications Support increased flexibility for disclosures Support rescission of CFPB payday lending rule payment provisions Support modification of FCC revocation of consent rule Support greater flexibility for FCC fraud alert exemption Support uniform federal standards and increased federal preemption of state laws on interchange, data privacy, artificial intelligence, and elder financial abuse reporting Issues related to housing finance reform Issues related to flood insurance Issues related to privately insured credit unions Issues related to credit union capital requirements Issues related to credit union conversions Issues related to credit unions as employers Issues related to the Foreign Account Tax Compliance Act Issues related to fair lending Issues related to the Telephone Consumer Protection Act Support Credit Union Board Modernization Act (H.R. 975; S. 522) Support 1071 Repeal to Protect Small Business Lending Act (H.R. 976; S. 557) Support Making the CFPB Accountable to Small Businesses Act (H.R. 1606) Support Financial Integrity and Regulation Management Act (S. 875; H.R. 2702; Senate Amendment 3104) Support Fair Audits and Inspections for Regulators Act (H.R. 940) Support Anti-CBDC Surveillance State Act (H.R. 1919; S. 1124) Support Veterans Member Business Loan Act (H.R. 507; S. 110; Senate Amendment 3776) Support Taking Account of Bureaucrats Spending Act (H.R. 654) Support Rectifying UDAAP Act (H.R. 1652) Support Civil Investigative Demand Reform Act (H.R. 1653) Support SECURE Notarization Act (H.R. 1777; S. 1561) Support Increasing Credit Union Lending for Business Growth Act (H.R. 1791) Support Financial Reporting Threshold Modernization Act (H.R. 1799; Amendment 715 to H.R. 3838) Support Home of Your Own Act (H.R. 2064) Support Homes for Every Local Protector, Educator, and Responder Act (H.R. 2094; S. 978) Support CFPB Dual Mandate and Economic Analysis Act (H.R. 2183) Support Transparency in CFPB Cost-Benefit Analysis Act (H.R. 2331) Support CFPB-IG Reform Act (H.R. 2513) Support Homebuyers Privacy Protection Act (H.R. 2808; S. 1467) Support Financial Institution Regulatory Tailoring Enhancement Act (H.R. 3230) Support Halting Uncertain Methods and Practices in Supervision Act (H.R. 3379) Support Taking Account of Institutions with Low Operation Risk Act (H.R. 3380) Support Bureau of Consumer Financial Protection Commission Act (H.R. 3445) Support Expanding Access to Lending Options Act (H.R. 4167) Support CDFI Bond Guarantee Program Improvement Act (S. 1880) Support Taskforce for Recognizing and Averting Payment Scams Act (H.R. 4936; S. 2019; Senate Amendment 3257) Support Capping Excessive Awarding of SBLC Entrants Act (H.R. 2987) Support Expanding Access to Lending Options Act (H.R. 4167) Support Supervisory Modifications for Appropriate Risk-Based Testing Act (H.R. 4437) Support Stop Agency Fiat Enforcement Act (H.R. 4460) Support American Access to Banking Act (H.R. 4544) Support Protecting Access to Credit for Small Businesses Act (S. 2486) Support Business of Insurance Regulatory Reform Act (H.R. 4735; S. 2419) Support NCUA Central Liquidity Facility Enhancement Act (S. 2545; Senate Amendment 3722) Support CDFI Fund Transparency Act (S. 2704; Senate Amendments 3640, 3732) Support Supporting Upgraded Property Projects and Lending for Yards Act (H.R. 4568) Support Unleashing AI Innovation in Financial Services Act (H.R. 4801) Support AI Practices, Logistics, Actions, and Necessities Act (H.R. 2152) Support Streamlining Transaction Reporting and Ensuring Anti-Money Laundering Improvements for a New Era Act (S. 3017) Support NFIP Continuation Act (H.R. 5577) Support Housing for the 21st Century Act (H.R. 6644) Support Regulatory Efficiency, Verification, Itemization, and Enhanced Workflow Act (H.R. 6544) Support inclusion of guidance on penny circulation in Common Cents Act (H.R. 3074) Support parity for credit unions in Digital Asset Market Clarity Act (H.R. 3633) Support modification of Section 705 in Renewing Opportunity in the American Dream to Housing Act (S. 2651) Oppose 10 Percent Credit Card Interest Rate Cap Act (H.R. 1944; S. 381; Senate Amendment 2239) Oppose Credit Card Competition Act (Senate Amendments 2229, 2230, 2345) Oppose commissary interchange fee study (Senate Amendment 3216) Oppose End the Feds Big Bank Bailout Act (S. 2113; Senate Amendment 3761)
Client expense: $1,060,000 · Firm income: Not reported
Government targets: Consumer Financial Protection Bureau (CFPB), Defense, Dept of (DOD), Executive Office of the President (EOP), Federal Communications Commission (FCC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Financial Crimes Enforcement Network (FinCEN), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Justice, Dept of (DOJ), Natl Credit Union Administration (NCUA), Natl Economic Council (NEC), Office of Management & Budget (OMB), SENATE, Small Business Administration (SBA), Treasury, Dept of
2025 · third_quarter · Small Business
Tax and Budget, Tax Relief and Reform: Continuing Appropriations and Extensions Act 2026, H.R. 5371: Supported House and Senate passage. Continued to push for Senate passage of the House-passed measure to keep the federal government open. One Big Beautiful Bill Act: Supported advancement of the legislation through House and Senate committees and House and Senate-passed versions, along with final passage of H.R. 1 and signing of the legislation by the President. The Family Business Legacy Act, H.R. 2918: Support Continue to express opposition to raising taxes on small businesses, C-corps and individual taxpayers, carried interest, capital gains and tax increases that would undermine investment and capital availability. American Innovation and Jobs Act of 2025: Support legislation in the House and Senate to restore immediate R&D expensing, and inclusion of this tax relief in the One Big Beautiful Bill Act. Death Tax Repeal Act of 2025: Support House and Senate legislation to fully repeal the death tax. Access to Capital: Accredited Investor Definition: Continue to express support for efforts in the Congress to modernize the standard. Supported U.S. House passage of the following legislation, and support U.S. Senate action: The Expanding Access to Capital for Rural Job Creators Act (H.R. 1190) The Access to Small Business Investor Capital Act (H.R. 2225) A bill to amend the Securities Exchange Act of 1934 to specify certain registration statement contents for emerging growth companies, to permit issuers to file draft registration statements with the Securities and Exchange Commission for confidential review (H.R. 3301) The Helping Startups Continue to Grow Act (H.R. 3323) The Greenlighting Growth Act (H.R. 3343) Fair Investment Opportunities for Professional Experts Act (H.R. 3394) The Improving Access to Small Business Information Act (H.R. 3351) The Helping Angels Lead Our Startups (HALOS) Act of 2025 (H.R. 3352) The Encouraging Public Offerings Act of 2025 (H.R. 3381) The Small Entity Update Act (H.R. 3382) Improving Disclosures for Investors Act of 2025 (H.R. 2441) The Middle Market IPO Underwriting Cost Act (H.R. 3395) Regulation and Regulatory Reform: Small Business Regulatory Reduction Act (H.R. 2965): Support the legislation. Small Business Regulatory Flexibility Improvements Act (H.R. 421): Support the legislation. PROVE It Act: Support House and Senate legislation on the PROVE It Act to strengthen regulatory accountability and transparency for small businesses. Fair and Accountable IRS Reviews Act, H.R. 5346: Support the legislation. Tax Court Improvement Act, H.R. 5349: Support the legislation. Warehouse Worker Protection Act (S.2613/H.R.4896): Oppose the legislation. Privacy Framework: Continue to support a federal framework governing privacy rules for the United States. Anti-CBDC Surveillance State Act (H.R. 1919): Supported passage of the legislation in the House. DOL Independent Contractor Rule: Continue to support rescission of the independent contractor rule finalized by the Biden Administration, Employee or Independent Contractor Classification Under the Fair Labor Standards Act. IRS Basis-Shifting Rule and Fair Tax Enforcement: Continue to urge U.S. Treasury to take additional steps to protect small business partnerships from the implementation of policies and procedures that carry out the rules intent even though it as been rescinded. FTCs 2023 Merger Guidelines and New Pre-Merger Filing Requirements: Continue to urge reform and clawing back the actions. Modern Worker Empowerment Act, H.R. 1319: Support this legislation in the House. Modern Worker Security Act, H.R. 1320: Support this legislation in the House. Faster Labor Contracts Act, S. 844: Oppose this Senate legislation. The Worker Enfranchisement Act, H.R. 2572: Support the legislation. Start Applying Labor Transparency (SALT) Act: Support the legislation. Affordable Health Coverage: Health Savings Accounts (HSAs): Support efforts in the House and Senate to expand and improve the accounts. Telehealth and HSAs: Urged both the House and Senate to make permanent the telehealth provision that provides employers the flexibility to offer their employees with a High Deductible Health Plan (HDHP) paired with a Health Savings Account (HSA) access to telehealth services pre-deductible. Centers for Medicare and Medicaid Services (CMS) Rural Health Transformation Program: Supported implementation of the plan to support and strengthen the healthcare ecosystem in rural America that was advanced in the One Big Beautiful Bill Act. Price Controls: Continue to express concerns about drug price controls via most favored nation (MFN) and impact of importing price controls on innovation, investment, patient health. IP Rights and Protections: The RESTORE Patent Rights Act, S.708/H.R. 1574: Support House and Senate legislation. Trump Administration Nominations: Dr. Casey Mulligans Chief Counsel for Advocacy at the U.S. Small Business Administration (SBA): Supported Senate confirmation of Dr. Mulligan. Crystal Carey as General Counsel of the National Labor Relations Board (NLRB): Support nomination and confirmation. Presidential Executive Orders and Memorandums SBE Council issued supportive statements on "Restoring Law and Order in the District of Columbia," "Guaranteeing Fair Banking for All Americans," "Democratizing Access to Alternative Assets for 401K Investors," and "The Executive Order on TikTok and U.S. Ownership." Education and Technical Training The New Start Act of 2025: Support Trade and Global Markets: Support House and Senate Review of European-based digital laws and regulation such as the EUs Digital Services Act, the UKs Digital Markets, Competition and Consumers Act (DMCC), the EUs Digital Markets Act (DMA), and digital taxes and how these impose discriminatory barriers for American companies.
Client expense: $55,000 · Firm income: Not reported
Government targets: Executive Office of the President (EOP), HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE, Treasury, Dept of, White House Office
2025 · third_quarter · Banking
H.R. 1 One Big Beautiful Bill Act authority and effectiveness of the Vice Chair for Supervision by inserting a bank-friendly Board member into the development of policy related to bank supervision and regulation HR 3682 Financial Stability Oversight Council Improvement Act HR 5262 Bank Competition Modernization Act HR 5270 Stress Testing Accountability and Transparency Act HR 5276 Community Bank LIFT Act HR 5291 Merchant Banking Modernization Act HR 5317 Community Bank Deposit Access Act private equity regulation private equity in health care Crypto Regulatory Legislation digital assets regulation Central Bank Digital Currency Digital assets regulation (stablecoins; banking standards for crypto) S. 1582 GENIUS Act (stablecoins) S. 710 Crypto ATM Fraud Prevention Act H. R. 1919 Anti-CBDC Surveillance State Act H.R. 3633, the CLARITY Act (crypto market regulation) Responsible Financial Innovation Act
Client expense: $150,000 · Firm income: Not reported
Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE
2025 · third_quarter · Consumer Issues/Safety/Products
Crypto Regulatory Legislation digital assets regulation Central Bank Digital Currency Digital assets regulation (stablecoins; banking standards for crypto) S. 1582 GENIUS Act (stablecoins) S. 710 Crypto ATM Fraud Prevention Act H. R. 1919 Anti-CBDC Surveillance State Act H.R. 3633, the CLARITY Act (crypto market regulation) Responsible Financial Innovation Act FAIR Act Equal Employment for All Act Protecting Consumers from Unreasonable Credit Rates Act Medical Debt Relief Act Court Legal Access and Student Support (CLASS) Act Consumer Opt-In Act. Stopping Abuse and Fraud in Electronic (SAFE) Lending Act
Client expense: $150,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2025 · third_quarter · Financial Institutions/Investments/Securities
H.R. 1 One Big Beautiful Bill Act HR 3682 Financial Stability Oversight Council Improvement Act HR 4801 Unleashing AI Innovation in Financial Services Act S 2750 SANDBOX Act HR 3484 Business Owners Protection Act HR 3959 Protecting Private Job Creators Act Amending Securities Exchange Act of 1934 to repeal certain disclosure requirements related to conflict minerals SEC authority to impose uniform fiduciary standard for broker-dealers and investment advisers SEC authority related to anti-corruption and transparency measures that require oil, gas, and mining companies to disclose payments to both U.S. and foreign governments for resource extraction projects HR 3673 the Small Business Investor Capital Access Act H.R. 4429, the Developing and Empowering our Aspiring Leaders (DEAL) Act H.R. 4430, the Expanding WKSI Eligibility Act H.R. 4431, the Improving Capital Allocation for Newcomers (ICAN) Act H.R. 4449, the Advocating for Small Business Act H.R. 4460, the Stop Agency Fiat Enforcement of Guidance Act Crypto Regulatory Legislation digital assets regulation Central Bank Digital Currency Crypto Broker Tax Reporting Guidance Digital assets regulation (stablecoins; banking standards for crypto) S. 1582 GENIUS Act (stablecoins) S. 710 Crypto ATM Fraud Prevention Act H. R. 1919 Anti-CBDC Surveillance State Act H.R. 3633, the CLARITY Act (crypto market regulation) Responsible Financial Innovation Act PE and childcare FIO/NAIC climate data call Insurance crisis consumer protections, supervision, and bailout policy National Flood Insurance Program (NFIP) policy reform NOAA/other fed agency climate data/research stoppage & appropriations
Client expense: $150,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2025 · third_quarter · Banking
Issues related to decentralized finance, decentralized and peer-to-peer economic activities and related assets, digital rights, and decentralized web applications using blockchain and related distributed ledger technologies, including: S.J. Res. 3 Resolution Disapproving Broker Rule H.J. Res. 25 Resolution Disapproving Broker Rule H.R. 1 The One Big Beautiful Bill Act H.R. 148 Keep Your Coins Act of 2025 S.37 Venezuela Advancing Liberty, Opportunity, and Rights Act (VALOR Act) S.401/ H.R. 987 Fair Access to Banking Act S.1582 GENIUS Act H.R. 2392 STABLE Act S.1188 FLARE Act H.R. 2384 Financial Technology Protection Act H.R. 216 Securities Enforcement Clarity Act of 2025 H.R. 2365 Securities Clarity Act S.875 FIRM Act S.954/ H.R. 2032 BITCOIN Act H.Res. 248 Resolution emphasizing the importance and power of distributed ledger technologies (DLT) to support democratic governance, human rights, internet freedom, and transparency. H.R. 1919 Anti-CBDC Surveillance State Act H.R. 1664 Deploying American Blockchains Act of 2025 S.1273 Combatting Money Laundering in Cyber Crime Act S.1870 Prohibiting Foreign Adversary Interference in Cryptocurrency Markets Act H.R. 2544/ S.1222 Financial Freedom Act of 2025 H.R. 3533 Blockchain Regulatory Certainty Act (BRCA) S.1620/ H.R. 1712 MEME Act H.R. 3314 Stop Presidential Profiteering from Digital Assets Act H.R. 3633 CLARITY Act H.R. 2978 GUARD Act H.R. 3573 Stop TRUMP in Crypto Act of 2025 S.1668 End Crypto Corruption Act of 2025 S.2207 Lummis Tax Package S.2296 National Defense Authorization Act for Fiscal Year 2026 H.R. 4438 Power of the Mint Act H.R. 3339 Equal Opportunity for All Investors Act H.R. 2384 Financial Technology Protection Act of 2025 H.R. 4394 Compliant Operations of Decentralized Entities (CODE) Act of 2025 S.2528 Unleashing AI Innovation in Financial Services Act H.R. 4988 Scam Farms Marque and Reprisal Authorization Act of 2025 H.R. 4374 American Homeowner Crypto Modernization Act H.R. 1770 Consumer Safety Technology Act
Client expense: $430,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE, White House Office
2025 · third_quarter · Financial Institutions/Investments/Securities
Issues related to decentralized finance, decentralized and peer-to-peer economic activities and related assets, digital rights, and decentralized web applications using blockchain and related distributed ledger technologies, including: S.J. Res. 3 Resolution Disapproving Broker Rule H.J. Res. 25 Resolution Disapproving Broker Rule H.R. 1 The One Big Beautiful Bill Act H.R. 148 Keep Your Coins Act of 2025 S.37 Venezuela Advancing Liberty, Opportunity, and Rights Act (VALOR Act) S.401/ H.R. 987 Fair Access to Banking Act S.1582 GENIUS Act H.R. 2392 STABLE Act S.1188 FLARE Act H.R. 2384 Financial Technology Protection Act H.R. 216 Securities Enforcement Clarity Act of 2025 H.R. 2365 Securities Clarity Act S.875 FIRM Act S.954/ H.R. 2032 BITCOIN Act H.Res. 248 Resolution emphasizing the importance and power of distributed ledger technologies (DLT) to support democratic governance, human rights, internet freedom, and transparency. H.R. 1919 Anti-CBDC Surveillance State Act H.R. 1664 Deploying American Blockchains Act of 2025 S.1273 Combatting Money Laundering in Cyber Crime Act S.1870 Prohibiting Foreign Adversary Interference in Cryptocurrency Markets Act H.R. 2544/ S.1222 Financial Freedom Act of 2025 H.R. 3533 Blockchain Regulatory Certainty Act (BRCA) S.1620/ H.R. 1712 MEME Act H.R. 3314 Stop Presidential Profiteering from Digital Assets Act H.R. 3633 CLARITY Act H.R. 2978 GUARD Act H.R. 3573 Stop TRUMP in Crypto Act of 2025 S.1668 End Crypto Corruption Act of 2025 S.2207 Lummis Tax Package S.2296 National Defense Authorization Act for Fiscal Year 2026 H.R. 4438 Power of the Mint Act H.R. 3339 Equal Opportunity for All Investors Act H.R. 2384 Financial Technology Protection Act of 2025 H.R. 4394 Compliant Operations of Decentralized Entities (CODE) Act of 2025 S.2528 Unleashing AI Innovation in Financial Services Act H.R. 4988 Scam Farms Marque and Reprisal Authorization Act of 2025 H.R. 4374 American Homeowner Crypto Modernization Act H.R. 1770 Consumer Safety Technology Act
Client expense: $430,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE, White House Office
2025 · third_quarter · Financial Institutions/Investments/Securities
Lobbied in support of the CFPB having direct supervision over large payment apps and against congressional action to overturn rulemakings issues by the CFPB to that effect (S.J. 28). Lobbied in opposition to S. 1582, the GENIUS Act, and H.R.3633, the Clarity Act. Lobbied against H.R. 1919 - The Anti-CBDC Surveillance State Act.
Client expense: $20,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2025 · third_quarter · Banking
General education: SBA program mission support, tariff policy impacts, affordable housing, preventing illicit finance protections, preventing consumer fraud, economic and community development including Public Welfare Investment (PWI) caps, reciprial deposit caps, S. 394, Guiding and Establishing National Innovation for U.S. Stable Coins Act of 2025, all provisions H.R. 2392, Stablecoin Transparency and Accountability for a Better Ledger Economy Act of 2025, all provisions S. 1582 GENIUS Act, all provisions H.R. 3633 CLARITY Act, all provisions Credit Card Competition Act of 2023, all provisions H.R. 3380, TAILOR Act of 2025 H.R. 1900, Bank Failure Prevention Act S.J. 13, Bank Merger Act, all provisions S. 381, 10 Percent Credit Card Interest Rate Cap Act, all provisions H.R. 1071, Repeal to Protect Small Business Lending Act, all provisions S. 875, FIRM Act, all provisions H.R. 1, Big Beautiful Bil Act, debt ceiling risk, extension of 2017 tax cuts, R&D immediate expensing, bonus depreciation, opportunity zones, low-income-housing tax credits, new market tax credits, small business qulified business income deduction, auto loan interest deduction, energy tax credits impacting wind and solar, share repurchase tax, impacts of medicaid and SNAP changes H.R. 1919, Anti-CBDC Survelillance State Act, all provisions
Client expense: $160,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2025 · third_quarter · Financial Institutions/Investments/Securities
General education around digital assets and decentralized AI To require the Secretary of the Treasury to develop a public-private partnership program with decentralized protocol developers and specialized auditing firms to examine embedded supervision and regulation of decentralized protocols, and for other purposes. H.R. 148, Keep Your Coins Act of 2025 S. 919, GENIUS Act H.R. 2392, STABLE Act H.R. 2384, Financial Technology Protection Act H.R.216, Securities Enforcement Clarity Act of 2025 H.R. 2365, Securities Clarity Act H.R.2032, BITCOIN Act H.Res.248, Resolution emphasizing the importance and power of distributed ledger technologies (DLT) to support democratic governance, human rights, internet freedom, and transparency. H.R. 1919, Anti-CBDC Surveillance State Act Legislation related to digital asset market structure legislation - HR 3633 (CLARITY Act) and the Responsible Financial Innovation Act of 2025. HR 1 (One Big Beautiful Bill Act) Issues related to the tax treatment of digital assets H.R.8149 - To amend the Internal Revenue Code of 1986 to clarify the tax treatment of digital asset rewards.
Client expense: $420,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of, White House Office
2025 · third_quarter · Banking
H.R. 478/S. 113, Promoting New Bank Formation Act S. 875/H.R. 2702, Financial Integrity and Regulation Management (FIRM) Act S.J. Res. 36/H.J. Res. 74, the resolution to disapproval of the Consumer Financial Protection Bureaus (CFPB) rule prohibiting medical debt information from being reported or used by creditors S.J. Res. 18/H.J. Res. 59, the resolution of disapproval of the final rule issued by the Consumer Financial Protection Bureau (CFPB) on December 12, 2024, regarding overdraft protection services H.R. 1919/S. 1124, the Anti-CBDC Surveillance State Act H.R. 976/S. 557, the 1071 Repeal to Protect Small Business Lending Act H.R. 2392, the Stablecoin Transparency and Accountability for a Better Ledger Economy Act of 2025 (STABLE Act) S. 394/ S.919, Guiding and Establishing National Innovation for U.S. Stablecoins Act (GENIUS) Credit Card Competition Act H.R. 1944/S. 381, the 10 Percent Credit Card Interest Rate Cap Act H.R. 654, the Taking Account of Bureaucrats Spending (TABS) Act of 2025 H.R. 987/S. 401, the Fair Access to Banking Act H.R. 1652, the Rectifying UDAAP Act H.R. 3445, the Bureau of Consumer Financial Protection Commission Act H.R. 1653, the CID Reform Act Business of Insurance Regulatory Reform Act H.R. 2513, CFPB-IG Reform Act H.R. 2183, the CFPB Dual Mandate and Economic Analysis Act H.R. 2331, the Transparency in CFPB Cost-Benefit Analysis Act H.R. 1606, the Making the CFPB Accountable to Small Business Act Cybersecurity Information Sharing Act Community Development Financial Institutions (CDFI) Fund Secure and Fair Enforcement (SAFE) Banking Act Regulatory Tailoring Community Reinvestment Act Dodd-Frank Section 1033 Open Banking Rule CFPB Credit Card Late Fee Rule Deposit Insurance Reform National Bank Preemption H.R. 306, the Ending Scam Credit Repair Act Bank On Certification Program Central Bank Digital Currency Cryptocurrency Stablecoin Digital Assets Bank Capital Requirements/Basel Capital Proposal Emergency Capital Investment Issues for CDFI and MDI Institutions UDAAP Supervisory Policies and Adjudication Procedures Community Reinvestment Act Final Rule Applying Community Reinvestment Act to credit unions Merchant Category Codes H.R. 1181, Protecting Privacy in Purchases Act H.R.1602, Financial Privacy Act of 2025 Foreign Affiliate Sharing Pilot Program Extension Act Financial Innovation and Technology for the 21st Century Act H.R.1631, Safe Access to Cash Act of 2025 H.R.2885, Bank Loan Privacy Act H.R. 941, Small Lender 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 Artificial Intelligence Risk Management, Regulation, and Innovation CDFI Certification & Funding Notice of Proposed Rulemaking for Debit Card Interchange Fees and Routing (Reg II) Federal Reserve Discount Window and Emergency Lending Authority Tokenization of Assets Fraud Issues Regulatory Tailoring Peer-To-Peer Payment Fraud Financial Data Transparency Act Rulemaking FDIC Brokered Deposit Proposal S. 1467/H.R. 2808 Homebuyers Privacy Protection Act S.J.Res.13, A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Office of the Comptroller of the Currency of the Department of the Treasury relating to the review of applications under the Bank Merger Act H.J.Res.92 - Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Office of the Comptroller of the Currency of the Department of the Treasury relating to the review of applications under the Bank Merger Act. H.R. 3633, the Digital Asset Market Clarity (CLARITY) Act of 2025 H.R.1900 - Bank Failure Prevention Act of 2025 H.R.3230 - Financial Institution Regulatory Tailoring Enhancement Act H.R.8287 - Stress Testing Accountability and Transparency Act H.R.3390 - Bringing the Discount Window into the 21st Century Act H.R. 2835, the Small Bank Holding Company Relief Act H.R. 3709, the Advancing the Mentor-Protege Program for Small Financial Institutions Act H.R. 3716, the Systemic Risk Authority Transparency Act H.R. 940, the Fair Audits and Inspections for Regulators' (FAIR) Exams Act H.R. 3379, the Halting Uncertain Methods and Practices in Supervision (HUMPS) Act of 2025 H.R. 3380, the Taking Account of Institutions with Low Operation Risk (TAILOR) Act of 2025 S.2019 - Task Force for Recognizing and Averting Payments Scams (TRAPS) Act
Client expense: $2,170,000 · Firm income: Not reported
Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of
2025 · second_quarter · Financial Institutions/Investments/Securities
Issues related to cryptocurrencies, decentralized finance, digital rights, regulatory framework for stablecoins, and central bank digital currency regulations and proposals (S.1222 Financial Freedom Act of 2025, H.R. 148 Keep Your Coins Act of 2025, S.1620 MEME Act, H.R. 1 The One Big Beautiful Bill Act, H.R.3533 Blockchain Regulatory Certainty Act (BRCA), H.R.3633 CLARITY Act, S.2207 A bill to amend the Internal Revenue Code of 1986 to reform the treatment of digital assets, S.1582 GENIUS Act, H.R.1919 Anti-CBDC Surveillance State Act).
Client expense: $650,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE, White House Office
2025 · second_quarter · Banking
Issues related to cryptocurrencies, decentralized finance, digital rights, regulatory framework for stablecoins, and central bank digital currency regulations and proposals (S.1222 Financial Freedom Act of 2025, H.R. 148 Keep Your Coins Act of 2025, S.1620 MEME Act, H.R. 1 The One Big Beautiful Bill Act, H.R.3533 Blockchain Regulatory Certainty Act (BRCA), H.R.3633 CLARITY Act, S.1582 GENIUS Act, H.R.1919 Anti-CBDC Surveillance State Act).
Client expense: $650,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE, White House Office
2025 · third_quarter · Financial Institutions/Investments/Securities
Issues related to cryptocurrencies, decentralized finance, digital rights, regulatory framework for stablecoins, and central bank digital currency regulations and proposals (S.J. Res. 3 / H.J. Res. 25 Resolution Disapproving Broker Rule; H.R. 1 The One Big Beautiful Bill Act; H.R. 148 Keep Your Coins Act of 2025; S.37 Venezuela Advancing Liberty, Opportunity, and Rights Act (VALOR Act); S.401 / H.R. 987 Fair Access to Banking Act; S.1582 GENIUS Act; H.R. 2392 STABLE Act; S.1188 FLARE Act; H.R. 2384 Financial Technology Protection Act; H.R. 216 Securities Enforcement Clarity Act of 2025; H.R. 2365 Securities Clarity Act; S.875 FIRM Act; S.954 BITCOIN Act; H.R. 2032 BITCOIN Act; H.Res. 248 Resolution emphasizing the importance and power of distributed ledger technologies to support democratic governance, human rights, internet freedom, and transparency; H.R. 1919 Anti-CBDC Surveillance State Act; H.R. 1664 Deploying American Blockchains Act of 2025; S.1273 Combatting Money Laundering in Cyber Crime Act; S.1870 Prohibiting Foreign Adversary Interference in Cryptocurrency Markets Act; H.R. 2544 / S.1222 Financial Freedom Act of 2025; H.R. 3533 Blockchain Regulatory Certainty Act (BRCA); S.1620 / H.R. 1712 MEME Act; H.R. 3314 Stop Presidential Profiteering from Digital Assets Act; H.R. 3633 CLARITY Act; H.R. 2978 GUARD Act; H.R. 3573 Stop TRUMP in Crypto Act of 2025; S.1668 End Crypto Corruption Act of 2025; S.2207 Lummis Tax Package; S.2296 National Defense Authorization Act for Fiscal Year 2026; H.R. 4438 Power of the Mint Act; H.R. 3339 Equal Opportunity for All Investors Act; H.R. 2384 Financial Technology Protection Act of 2025; H.R. 4394 Compliant Operations of Decentralized Entities (CODE) Act of 2025; S.2528 Unleashing AI Innovation in Financial Services Act; H.R. 4988 Scam Farms Marque and Reprisal Authorization Act of 2025; H.R. 4374 American Homeowner Crypto Modernization Act; H.R. 1770 Consumer Safety Technology Act).
Client expense: $560,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE, White House Office
2025 · third_quarter · Banking
Issues related to cryptocurrencies, decentralized finance, digital rights, regulatory framework for stablecoins, and central bank digital currency regulations and proposals (S.J. Res. 3 / H.J. Res. 25 Resolution Disapproving Broker Rule; H.R. 1 The One Big Beautiful Bill Act; H.R. 148 Keep Your Coins Act of 2025; S.37 Venezuela Advancing Liberty, Opportunity, and Rights Act (VALOR Act); S.401 / H.R. 987 Fair Access to Banking Act; S.1582 GENIUS Act; H.R. 2392 STABLE Act; S.1188 FLARE Act; H.R. 2384 Financial Technology Protection Act; H.R. 216 Securities Enforcement Clarity Act of 2025; H.R. 2365 Securities Clarity Act; S.875 FIRM Act; S.954 BITCOIN Act; H.R. 2032 BITCOIN Act; H.Res. 248 Resolution emphasizing the importance and power of distributed ledger technologies to support democratic governance, human rights, internet freedom, and transparency; H.R. 1919 Anti-CBDC Surveillance State Act; H.R. 1664 Deploying American Blockchains Act of 2025; S.1273 Combatting Money Laundering in Cyber Crime Act; S.1870 Prohibiting Foreign Adversary Interference in Cryptocurrency Markets Act; H.R. 2544 / S.1222 Financial Freedom Act of 2025; H.R. 3533 Blockchain Regulatory Certainty Act (BRCA); S.1620 / H.R. 1712 MEME Act; H.R. 3314 Stop Presidential Profiteering from Digital Assets Act; H.R. 3633 CLARITY Act; H.R. 2978 GUARD Act; H.R. 3573 Stop TRUMP in Crypto Act of 2025; S.1668 End Crypto Corruption Act of 2025; S.2207 Lummis Tax Package; S.2296 National Defense Authorization Act for Fiscal Year 2026; H.R. 4438 Power of the Mint Act; H.R. 3339 Equal Opportunity for All Investors Act; H.R. 2384 Financial Technology Protection Act of 2025; H.R. 4394 Compliant Operations of Decentralized Entities (CODE) Act of 2025; S.2528 Unleashing AI Innovation in Financial Services Act; H.R. 4988 Scam Farms Marque and Reprisal Authorization Act of 2025; H.R. 4374 American Homeowner Crypto Modernization Act; H.R. 1770 Consumer Safety Technology Act).
Client expense: $560,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE, White House Office
2025 · third_quarter · Banking
H.R. 478 The Promoting New Bank Formation Act H.R. 940 The FAIR Exams Act H.R. 941 The Small LENDER Act H.R. 975 Credit Union Board Modernization Act H.R. 976 The 1071 Repeal to Protect Small Business Lending Act H.R. 1606 Making the CFPB Accountable to Small Businesses Act H.R. 1652 Rectifying UDAAP Act H.R. 1799 The Financial Reporting Threshold Modernization Act H.R. 1919 Anti-CBDC Surveillance State Act H.R. 1944 10 Percent Credit Card Interest Rate Cap Act H.R. 2808 The Homebuyers Privacy Protection Act H.R. 2392 Stablecoin Transparency and Accountability for a Better Ledger Economy Act of 2025 H.R. 2835 The Small Bank Holding Company Relief Act H.R. 2885 The Bank Loan Privacy Act H.R. 3234 Reciprocal Deposits H.R. 3380 TAILOR Act of 2025 H.R. 3390 Bringing the Discount Window into the 21st Century Act H.R. 3446 FDIC Board Accountability Act- Rep. Huizenga H.R. 3633 The CLARITY Act H.R. 3709 Advancing the Mentor-Protege Program for Small Financial Institutions Act H.R. 4437 SMART Act H.R. 4478 TRUST Act H.R. 5079 Widespread Information Management for the Welfare of Infrastructure and Government Act H.R. 5262 The Bank Competition Modernization Act H.R. 5276 The Community Bank LIFT Act H.R. 5263 The Bank Competition Modernization Act H.R. 5291 The Merchant Banking Modernization Act H.R. 5317 The Community Bank Deposit Access Act of 2025 H.R. 8071 Fair Exams Act S. 113 The Promoting New Bank Formation Act S. 394 Guiding and Establishing National Innovation for U.S. Stablecoins Act of 2025 S. 427 The TAILOR Act S. 557 The 1071 Repeal to Protect Small Business Lending Act S. 1124 Anti-CBDC Surveillance State Act S. 1260 Rural Housing Service Reform Act of 2025 - SEC. 301. Native CDFI Relending Program S. 1467 Homebuyers Privacy Protection Act S. 1582 Guiding and Establishing National Innovation for U.S. Stablecoins Act of 2025 S. 1880 CDFI Bond Guarantee Improvement Act S. 2296 National Defense Authorization Act S. 2352 The PROTECTED Act S. 2486 Protecting Access to Credit for Small Businesses Act S. 2663 Merchant Banking Modernization Act S. 2704 CDFI Fund Transparency Act S. 2999 Main Street Depositor Protection Act S.J. Res 18 CRA Resolution Disapproving of the CFPB Overdraft Rule Amendment 3640 to S. 2296 National Defense Authorization Act - CDFIs Amendment 3649 to the S. 2296 National Defense Authorization Act - Deposit Insurance Artificial Intelligence Bank Loan Privacy Act Central Bank Digital Currency CFPB 1033 Rule Community Bank Access to Capital Community Development Financial Institutions Certification Community Reinvestment Act Credit Card Competition Act/Credit Routing Credit Reporting Credit Union Acquisitions of Community Banks Credit Union Business Lending Powers Credit Union Field of Membership Rules Cybersecurity Information Sharing Act (CISA) Reauthorization Data Privacy De Novo Bank Formation Deposit Insurance Digital Assets Regulation EGRPRA Review Federal Reserve Master Accounts FHFA Capital Rules Flood Insurance Fraud and Scams Gramm-Leach-Bliley Act (GLBA) Industrial Loan Company Charter Policy Issues related to the Federal Home Loan Bank Act Minority Depository Institutions Mutual Bank Capital Certificates Regulatory Relief Responsible Financial Innovation Act Stablecoin Regulation
Client expense: $866,841 · 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
2025 · third_quarter · Banking
H.R. 478 The Promoting New Bank Formation Act H.R. 940 The FAIR Exams Act H.R. 941 The Small LENDER Act H.R. 975 Credit Union Board Modernization Act H.R. 976 The 1071 Repeal to Protect Small Business Lending Act H.R. 1606 Making the CFPB Accountable to Small Businesses Act H.R. 1652 Rectifying UDAAP Act H.R. 1799 The Financial Reporting Threshold Modernization Act H.R. 1919 Anti-CBDC Surveillance State Act H.R. 1944 10 Percent Credit Card Interest Rate Cap Act H.R. 2808 The Homebuyers Privacy Protection Act H.R. 2392 Stablecoin Transparency and Accountability for a Better Ledger Economy Act of 2025 H.R. 2835 The Small Bank Holding Company Relief Act H.R. 2885 The Bank Loan Privacy Act H.R. 3234 Reciprocal Deposits H.R. 3380 TAILOR Act of 2025 H.R. 3390 Bringing the Discount Window into the 21st Century Act H.R. 3446 FDIC Board Accountability Act- Rep. Huizenga H.R. 3633 The CLARITY Act H.R. 3709 Advancing the Mentor-Protege Program for Small Financial Institutions Act H.R. 4437 SMART Act H.R. 4478 TRUST Act H.R. 5079 Widespread Information Management for the Welfare of Infrastructure and Government Act H.R. 5262 The Bank Competition Modernization Act H.R. 5276 The Community Bank LIFT Act H.R. 5263 The Bank Competition Modernization Act H.R. 5291 The Merchant Banking Modernization Act H.R. 5317 The Community Bank Deposit Access Act of 2025 H.R. 8071 Fair Exams Act S. 113 The Promoting New Bank Formation Act S. 394 Guiding and Establishing National Innovation for U.S. Stablecoins Act of 2025 S. 427 The TAILOR Act S. 557 The 1071 Repeal to Protect Small Business Lending Act S. 1124 Anti-CBDC Surveillance State Act S. 1260 Rural Housing Service Reform Act of 2025 - SEC. 301. Native CDFI Relending Program S. 1467 Homebuyers Privacy Protection Act S. 1582 Guiding and Establishing National Innovation for U.S. Stablecoins Act of 2025 S. 1880 CDFI Bond Guarantee Improvement Act S. 2296 National Defense Authorization Act S. 2352 The PROTECTED Act S. 2486 Protecting Access to Credit for Small Businesses Act S. 2663 Merchant Banking Modernization Act S. 2704 CDFI Fund Transparency Act S. 2999 Main Street Depositor Protection Act S.J. Res 18 CRA Resolution Disapproving of the CFPB Overdraft Rule Amendment 3640 to S. 2296 National Defense Authorization Act - CDFIs Amendment 3649 to the S. 2296 National Defense Authorization Act - Deposit Insurance Artificial Intelligence Bank Loan Privacy Act Central Bank Digital Currency CFPB 1033 Rule Community Bank Access to Capital Community Development Financial Institutions Certification Community Reinvestment Act Credit Card Competition Act/Credit Routing Credit Reporting Credit Union Acquisitions of Community Banks Credit Union Business Lending Powers Credit Union Field of Membership Rules Cybersecurity Information Sharing Act (CISA) Reauthorization Data Privacy De Novo Bank Formation Deposit Insurance Digital Assets Regulation EGRPRA Review Federal Reserve Master Accounts FHFA Capital Rules Flood Insurance Fraud and Scams Gramm-Leach-Bliley Act (GLBA) Industrial Loan Company Charter Policy Issues related to the Federal Home Loan Bank Act Minority Depository Institutions Mutual Bank Capital Certificates Regulatory Relief Responsible Financial Innovation Act Stablecoin Regulation
Client expense: $866,841 · 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
2025 · third_quarter · Financial Institutions/Investments/Securities
H.R. 1: One Big Beautiful Bill Act - provisions related to preventing a tax hike, protecting the standard deduction, and small business tax credits. Additionally highlighted key polling on health care, immigration, and economic issues. S. 1582; The GENIUS Act - provisions related to regulatory clarity for digital assets which will stimulate innovation in the financial services space. S.2651; Road to Housing Act - provisions related to not increasing funding to federal housing grants. H.R. 1919; The Anti-CBDC Surveillance State Act - provisions related to regulatory clarity for digital assets which will stimulate innovation in the financial services space. H.R. 3633; Digital Asset Market Clarity Act - provisions related to regulatory clarity for digital assets which will stimulate innovation in the financial services space. Issues related to supporting upcoming initiatives of the Financial Services Committee. Issues related to advancing a JOBS Act style capital formation package.
Client expense: $495,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2025 · third_quarter · Banking
Issues related to stablecoin legislation; S. 919 - Guiding and Establishing National Innovation for U.S. Stablecoins (GENIUS) Act, H.R.1919 - Anti-CBDC Surveillance State Act; Issues related to AML requirements: H.R. 2824 - Financial Technology Protection Act of 2025; Issues related to market structure: H.R. 2365 Securities Clarity Act, H.R.3633 - Digital Asset Market Clarity Act, Responsible Financial Innovation Act of 2025
Client expense: $200,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2025 · third_quarter · Banking
Protect the credit union tax exemption Support legislation and regulation that advance credit unions and their over 144 million members Support regulatory relief for credit unions Support holistic evaluation of regulatory burden on credit unions Support credit union field of membership expansion and modernization Support regulator- and bank-approved credit union-bank mergers Support financial inclusion and increased access to financial services Support modifying the credit union member business lending cap Support NCUAs existence as an independent regulator and insurer of credit unions Support assistance for minority depository institution credit unions Support regulatory relief for de novo credit unions Support harmonization of federal cyber incident notification standards Oppose Community Reinvestment Act requirements for credit unions Support regulatory framework for artificial intelligence that allows responsible innovation and recognizes compliance with existing regulations Support allowing use of artificial intelligence for regulatory reporting purposes Support mandatory arbitration agreements Oppose national interest rate cap Support Federal Credit Union Act modernization Support expanded natural person and corporate credit union investment authority Support expanded credit union examination cycle Support increased examination transparency Support Central Liquidity Facility enhancements Oppose NCUA examination of credit union vendors Support modification of credit union loan maturity limits Oppose National Credit Union Share Insurance Fund structural changes Oppose National Credit Union Share Insurance Fund premium assessment Support parity in deposit insurance coverage levels between credit unions and banks Oppose additional Call Report fields on loans to credit union officials and senior executive staff Oppose additional Call Report fields on maturity distribution of uninsured shares Oppose making changes to Call Report requirements without using notice-and-comment process Oppose NCUA Call Report collection of overdraft and NSF fee revenue data Support modernization and simplification of Call Report form and instructions Support rescission of NCUA overdraft and NSF fee guidance Oppose collection of vendor information in NCUA Credit Union Profile Oppose changes to NCUA collection forms outside rulemaking process Support NCUA review of normal operating level and methodology Support NCUA action to permit credit union reimbursement of childcare expenses for federal credit union board meetings Oppose NCUA acting as a climate regulator Oppose NCUA rule on succession planning Oppose NCUA rule on record retention Oppose excessive NCUA requirements for supervisory committee audits Support NCUA recognition of digital banking in service facility definition Support clarification of NCUA member expulsion regulations Support NCUA proposed rule on increasing overdraft flexibility Support NCUA recognition of government sponsored enterprises as government agencies for loan maturity limit purposes Support NCUA adoption of floating interest rate cap Support modification of NCUA commercial loan definition Support increased flexibility in NCUA occupancy requirements Support NCUA action to clarify loan participation limits Support NCUA modification of low-income designation process Support expanding NCUA qualified charity definition Support allowing greater weighted average life for corporate credit unions financial assets Support extension of maturity limit for corporate credit union borrowing Support NCUA action to reduce scope of supervisory committee examination Support NCUA adopting limited retention period for operational records Support increased flexibility for advertising and notice of insured status Oppose proposed incentive-based compensation rule Support increased compliance timeline for NCUA simplification of share insurance rule Support removing reputational risk as a component of credit union examinations Support balanced implementation of debanking executive order Support increased NCUA efforts to promote credit union industry Support modernization and streamlining of NCUA operations Support making CFPB subject to regular appropriations process Support increased CFPB budget transparency Support restructuring CFPB leadership to a bipartisan commission Support creation of a CFPB Inspector General Support reforms to CFPB Civil Investigative Demand process Support increasing asset thresholds for CFPB supervision of credit unions Support clarification of CFPB unfair, deceptive, or abusive acts and practices authority Support CFPB use of Section 1022 authority to exempt credit unions from certain regulations Support CFPB oversight and monitoring of nonbank entities Oppose CFPB efforts to avoid requirements of the rulemaking process Support CFPB use and disclosure of relevant data in rulemakings Support CFPB use of cost-benefit analysis in rulemaking process Support CFPB policies to promote innovation and access to credit Support CFPB coordination with NCUA on policy matters and examination scheduling Oppose mislabeling financial services fees as junk fees Oppose arbitrary limits on credit union fee income Support exemptions for CFPB Section 1071 final rule Oppose CFPB efforts to restrict information in credit reports Oppose CFPB Section 1071 final rule Oppose prohibition on use of medical debt information in credit decisions Oppose CFPB efforts to manipulate consumer complaint data Support CFPB engaging in ongoing retrospective review of past regulations Support CFPB consumer complaint database reforms Support CFPB no-action letter program with extended timeline and increased protection of sensitive strategic information Oppose CFPB action to prohibit use of certain contractual terms and conditions Oppose expansion of consumer report and consumer reporting agency under the Fair Credit Reporting Act/Regulation V Support consumer protection regulations for buy-now-pay-later loan providers Support inclusion of buy-now-pay-later loans in FHA underwriting Support CFPB use of Civil Penalty Fund for consumer financial education Support credit union access to universal service fund letters of credit program Support recognition of unique credit union structure in Financial Data Transparency Act joint data standards Support federal data privacy and security standard that exempts Gramm-Leach-Bliley Act covered institutions, preempts state laws, operates on an opt-out basis, recognizes the complexity of data deletion, and does not authorize private right of action Support increased transparency for fintech bank charter applications Support Treasury development of model forms and qualified vehicle list for auto loan interest deduction Support safe harbor for credit unions related to the auto loan interest deduction Oppose development of a central bank digital currency Support credit union access to Federal Reserve liquidity options Support gradual expansion of Fedwire and National Settlement Service operating hours with optional participation Oppose addition of fourth same-day ACH window Support expanded flexibility for accessing the Fed discount window and intraday credit Oppose expanded eligibility for Federal Reserve master account access Oppose Regulation II debit interchange fee cap Oppose Federal Reserve proposed rule on modifying Regulation II debit interchange cap Support improvements to the Federal Reserves Debit Card Issuer Survey Oppose legislative action to impose caps or restrictions on debit or credit interchange fees Oppose expansion of Electronic Fund Transfer Act/Regulation E financial institution liability Support fair distribution of Electronic Fund Transfer Act/Regulation E error resolution responsibilities Oppose Electronic Fund Transfer Act/Regulation E liability for financial institutions for consumer-authorized transactions Support clarification of funds definition under Electronic Fund Transfer Act/Regulation E Support clarification of Electronic Fund Transfer Act/Regulation E treatment of digital assets Support increased flexibility for check holds and funds availability requirements Support transition to electronic payments for government payments Support consumer education on transition to electronic payments Support clarification of information sharing safe harbor for identifying and preventing payments fraud Support greater flexibility for credit unions to decline services with clear indica of fraud or elder abuse Support parity for credit union provision of digital asset services Prevent competitive disadvantages for credit unions and market distortions related to the integration of digital assets into traditional financial products Support parity for credit unions related to stablecoin regulation Support NCUAs role as primary regulator of credit unions stablecoin activities Oppose treating stablecoins or digital assets as federally insured Support digital assets guardrails to prevent deposit outflows Support clarifying credit unions authority to provide custodial services for their members Support safeguards for rehypothecation of digital assets Support reduced government-sponsored enterprises costs for credit union mortgages Support secondary mortgage market access for credit unions Support continued role for FHFA as an independent regulator Support credit union access to Federal Home Loan Bank system Support expansion of Federal Home Loan Bank Act community financial institution definition Support Federal Home Loan Bank engagement with credit unions Oppose adoption of volume-based incentives for Federal Home Loan Banks Oppose policy changes to limit access to Federal Home Loan Bank liquidity Support Federal Home Loan Bank allocations to the Affordable Housing Program Support FinCEN implementation of the Corporate Transparency Act Support additional time to implement anti-money laundering/countering financing of terrorism program changes and publication of guidance Support increasing Currency Transaction Report and Suspicious Activity Report filing thresholds Support streamlining Currency Transaction Report and Suspicious Activity Report forms Support consistency between NCUA and FinCEN requirements on Bank Secrecy Act compliance Support DOD clarification of Military Lending Act and Servicemembers Civil Relief Act requirements Support standardized disclosures and financial literacy briefings for servicemembers Support credit union access to nominal leases on military installations Oppose nominal leases for banks on military installations Oppose legislative action on the Overseas Military Banking Program Oppose inclusion of interchange or interest rate cap amendments in the National Defense Authorization Act Support federal share insurance for all credit unions acting as fiscal agents of the U.S. government Support role of Community Development Financial Institutions Fund in promoting economic growth and access to capital in underserved communities Support access to Community Development Financial Institutions Fund awards and technical assistance for credit unions Support Community Development Financial Institutions Fund bond guarantee program Support Community Development Financial Institutions Fund liquidity Enhancement pilot program Support disbursement of all Community Development Financial Institution Fund appropriated award funding Support timely completion of Emergency Capital Investment Program disposition agreements Oppose CFPB rulemaking on contract terms and conditions Oppose reclassification of credit header information as a consumer report Oppose reliance on single source of documentation to determine instances of identity theft or coerced debt Support enhanced transparency and consumer control of financial data Support modernization of e-signature requirements Support allowing electronic or documented oral credit card applications Support increased flexibility for disclosures Support rescission of CFPB payday lending rule payment provisions Support modification of FCC revocation of consent rule Support greater flexibility for FCC fraud alert exemption Support uniform federal standards and increased federal preemption of state laws on interchange, data privacy, artificial intelligence, and elder financial abuse reporting Issues related to housing finance reform Issues related to flood insurance Issues related to privately insured credit unions Issues related to credit union capital requirements Issues related to credit union conversions Issues related to credit unions as employers Issues related to the Foreign Account Tax Compliance Act Issues related to fair lending Issues related to the Telephone Consumer Protection Act Support Credit Union Board Modernization Act (H.R. 975; S. 522) Support 1071 Repeal to Protect Small Business Lending Act (H.R. 976; S. 557) Support Guiding and Establishing National Innovation for U.S. Stablecoins Act (S. 394, S. 919, S. 1582) Support Stablecoin Transparency and Accountability for a Better Ledger Economy Act (H.R. 2392) Support Making the CFPB Accountable to Small Businesses Act (H.R. 1606) Support Financial Integrity and Regulation Management Act (S. 875; H.R. 2702; Senate Amendment 3104) Support Fair Audits and Inspections for Regulators Act (H.R. 940) Support Anti-CBDC Surveillance State Act (H.R. 1919; S. 1124) Support Veterans Member Business Loan Act (H.R. 507; S. 110; Senate Amendment 3776) Support Taking Account of Bureaucrats Spending Act (H.R. 654) Support Rectifying UDAAP Act (H.R. 1652) Support Civil Investigative Demand Reform Act (H.R. 1653) Support SECURE Notarization Act (H.R. 1777; S. 1561) Support Increasing Credit Union Lending for Business Growth Act (H.R. 1791) Support Financial Reporting Threshold Modernization Act (H.R. 1799; Amendment 715 to H.R. 3838) Support Home of Your Own Act (H.R. 2064) Support Homes for Every Local Protector, Educator, and Responder Act (H.R. 2094; S. 978) Support CFPB Dual Mandate and Economic Analysis Act (H.R. 2183) Support Transparency in CFPB Cost-Benefit Analysis Act (H.R. 2331) Support CFPB-IG Reform Act (H.R. 2513) Support Homebuyers Privacy Protection Act (H.R. 2808; S. 1467) Support Financial Institution Regulatory Tailoring Enhancement Act (H.R. 3230) Support Halting Uncertain Methods and Practices in Supervision Act (H.R. 3379) Support Taking Account of Institutions with Low Operation Risk Act (H.R. 3380) Support Bureau of Consumer Financial Protection Commission Act (H.R. 3445) Support Expanding Access to Lending Options Act (H.R. 4167) Support CDFI Bond Guarantee Program Improvement Act (S. 1880) Support Taskforce for Recognizing and Averting Payment Scams Act (H.R. 4936; S. 2019; Senate Amendment 3257) Support Capping Excessive Awarding of SBLC Entrants Act (H.R. 2987) Support Expanding Access to Lending Options Act (H.R. 4167) Support Supervisory Modifications for Appropriate Risk-Based Testing Act (H.R. 4437) Support Stop Agency Fiat Enforcement Act (H.R. 4460) Support American Access to Banking Act (H.R. 4544) Support Protecting Access to Credit for Small Businesses Act (S. 2486) Support Business of Insurance Regulatory Reform Act (H.R. 4735; S. 2419) Support Renewing Opportunity in the American Dream to Housing Act (S. 2651) Support NCUA Central Liquidity Facility Enhancement Act (S. 2545; Senate Amendment 3722) Support CDFI Fund Transparency Act (S. 2704; Senate Amendments 3640, 3732) Support parity for credit unions in Digital Asset Market Clarity Act (H.R. 3633) Support changes to CFPB funding, creation of investment accounts for children, and auto loan interest deduction in H.R. 1 Oppose 10 Percent Credit Card Interest Rate Cap Act (H.R. 1944; S. 381; Senate Amendment 2239) Oppose Credit Card Competition Act (Senate Amendments 2229, 2230, 2345) Oppose commissary interchange fee study (Senate Amendment 3216)
Client expense: $1,070,000 · Firm income: Not reported
Government targets: Consumer Financial Protection Bureau (CFPB), Defense, Dept of (DOD), Executive Office of the President (EOP), Federal Communications Commission (FCC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Financial Crimes Enforcement Network (FinCEN), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Justice, Dept of (DOJ), Natl Credit Union Administration (NCUA), Natl Economic Council (NEC), Office of Management & Budget (OMB), SENATE, Small Business Administration (SBA), Treasury, Dept of
2025 · second_quarter · Banking
Credit Card Competition Act H.R.2702 FIRM Act H.R. 940, the Fair Audits and Inspections for Regulators (FAIR) Exams Act H.R. 1900, the Bank Failure Prevention Act of 2025 H.R. 3230, the Financial Institution Regulatory Tailoring Enhancement Act "H.R. 3379, the Halting Uncertain Methods and Practices in Supervision (HUMPS) Act of 2025" "H.R. 3380, the Taking Account of Institutions with Low Operation Risk (TAILOR) Act of 2025" Bank capital rules Crypto Regulatory Legislation Big Tech Crypto/Blockchain investments digital assets regulation Central Bank Digital Currency Crypto Broker Tax Reporting Guidance Digital assets regulation (stablecoins; banking standards for crypto) H.R. 2392 STABLE Act (stablecoins) S. 1582 GENIUS Act (stablecoins) S. 710 Crypto ATM Fraud Prevention Act H. R. 1919 Anti-CBDC Surveillance State Act H.R. 3633, the CLARITY Act (crypto market regulation) Crypto and Government Ethics, Dislcosure, Constitutional issues PE and childcare Climate/economic research
Client expense: $150,000 · Firm income: Not reported
Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE