FCRA Liability Harmonization Act

Issues pertaining to Fair Credit Reporting Act (FCRA) requirements, credit reporting, monitoring, and scoring; including the FCRA Liability Harmonization Act (H.R. 5775).

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HR 2392, STABLE Act of 2025. S. 394, GENIUS Act of 2025. General lobbying on the importance of minority viewpoints on the Securities and Exchange Commission. General lobbying on shareholder forced arbitration and forum selection clauses in corporate bylaws. General lobbying with regard to the use of forced arbitration in financial services and by big banks. General lobbying with regard to SEC nominations. General lobbying with regard to Consumer Financial Protection Bureau (CFPB). General lobbying with regard to cryptocurrency. General lobbying on shareholder proposals impacting corporate accountability and undermining shareholder rights. Draft Senate FSGG appropriations bill. General lobbying with regard to digital commodities. S. 424 Retirement Fairness for Charities and Educational Institutions Act of 2025. H.R. 1013 Retirement Fairness for Charities and Educational Institutions Act of 2025. H.R. 3633 CLARITY Act. General lobbying on SEC and forced shareholder arbitration. Draft legislation on digital asset market structure. H.R.5775 - FCRA Liability Harmonization Act. S.3755 - Digital Commodity Intermediaries Act. Draft legislation repealing Dodd-Frank authorities. Draft legislation on earned wage access. H.R.4171 - SEED Act of 2025. H.R.7127 - Restoring the Secondary Trading Market Act. Draft legislation on reforming the Gramm-Leach-Bliley Act of 1999. H.R.8141 - Fair Credit Reporting Reseller Accuracy Act. H.R.9330 - Earned Wage Access Consumer Protection Act. Draft legislation on Chapter 15 Bankruptcy. H.R.10184 - Consumer Financial Protection Accountability and Reform Act of 2026.

Client expense: $1,580,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Proposals that would alter the vehicle sales, advertising and financing process Legislative proposals to cap the interest rate on extensions of consumer credit and redefine the APR (H.R. 10439, "The Veterans and Consumers Fair Credit Act") Proposals regarding dealer participation, consumer discounts and voluntary protection products Proposals and legislation regarding Section 1071 small business data collection (H.R. 976/S. 557, "1071 Repeal to Protect Small Business Lending Act") Proposals related to telemarketing and advertising Legislative proposals regarding Congressional oversight of the CFPB (no bill) Proposals for the FDIC to reconsider the proposed Parent Companies of Industrial Banks and Industrial Loan Companies (ILC) rule Legislative proposals regarding consumer financial privacy law (no bill) Legislation and letters that would amend the civil liability requirements under the Fair Credit Reporting Act to include requirements relating to class actions (H.R. 5775, "FCRA Liability Harmonization Act") Proposals regarding disparate impact

Client expense: $1,844,000 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), Defense, Dept of (DOD), Federal Deposit Insurance Corporation (FDIC), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, SENATE

H.R. 3446, FDIC Board Accountability Act H.R. 4437, Supervisory Modifications for Appropriate Risk-based Testing (SMART) Act of 2025 H.R. 4478, Tailored Regulatory Updates for Supervisory Stress Testing (TRUST) Act of 2025 H.R. 5270, Stress Testing Accountability and Transparency Act H.R. 5775, FCRA Liability Harmonization Act H.R. 6553, Tailoring and Indexing Enhanced Regulations (TIER) Act of 2025 H.R. 6955, Main Street Capital Access Act H.R. 7056, Community Bank Regulatory Tailoring Act H.R. 8389, Guidelines for Use, Access, and Responsible Disclosure of Financial Data (GUARD) Act H.R. 8413, Securing and Establishing Consumer Uniform Rights and Enforcement over Data (SECURE Data) Act H.R. 10165, EXIM Bank Continuity in Competitiveness Act H.R. 10184, Consumer Financial Protection Accountability and Reform Act of 2026 S. 3772, Export-Import Bank Reauthorization Act of 2026 S. 4585, Discount Window Preparedness Act H.J. Res. 59/S.J. Res. 18, Disapproving the rule submitted by the Bureau of Consumer Financial Protection relating to "Overdraft Lending: Very Large Financial Institutions" H.J. Res. 64/S.J. Res. 28, Disapproving the rule submitted by the Bureau of Consumer Financial Protection relating to "Defining Larger Participants of a Market for General-Use Digital Consumer Payment Applications" H.J. Res. 74/S.J. Res. 36, Disapproving the rule submitted by the Bureau of Consumer Financial Protection relating to "Prohibition on Creditors and Consumer Reporting Agencies Concerning Medical Information (Regulation V)" Draft legislation to amend the Dodd-Frank Wall Street Reform and Consumer Protection Act to repeal certain rulemaking requirements Draft legislation in the House of Representatives to Reauthorize the Export-Import Bank of the United States Potential legislation regarding the funding of the Consumer Financial Protection Bureau Potential legislation regarding the Federal Reserve's Discount Window Proposed Rule, Consumer Financial Protection Bureau; Overdraft Lending: Very Large Financial Institutions (89 Fed. Reg. 13,852-13,908, February 23, 2024) Proposed Rule, Consumer Financial Protection Bureau: Prohibition on Creditors and Consumer Reporting Agencies Concerning Medical Information (Regulation V) (89 Fed. Reg. 51,682-51,736, June 18, 2024) Proposed Rule, Consumer Financial Protection Bureau; Protecting Americans from Harmful Data Broker Practices (Regulation V) (88 Fed. Reg. 101,402-101,462, December 13, 2024) Advance Notice of Proposed Rulemaking, Consumer Financial Protection Bureau; Fair Credit Reporting Act (Regulation V); Identity Theft and Coerced Debt (89 Fed. Reg. 100,922-100,923, December 13, 2024) Final Rule, Consumer Financial Protection Bureau; Credit Card Penalty Fees (Regulation Z) (89 Fed. Reg. 19,128-19,223, March 15, 2024) Proposed Rule, Consumer Financial Protection Bureau; Defining Larger Participants of a Market for General-Use Digital Consumer Payment Applications (88 Fed. Reg. 80,197-80,216, November 17, 2023) Proposed Rule, Consumer Financial Protection Bureau; Equal Credit Opportunity Act (Regulation B) (90 Fed. Reg. 50,901-50,923, October 13, 2025) Request for Comment, Consumer Financial Protection Bureau, Consumer Response Intake Form (91 Fed. Reg. 4,066-4,067, January 30, 2026) Request for Comment, Consumer Financial Protection Bureau, Draft Strategic Plan for FY 2026-2030 Proposed Rule, Federal Reserve, Federal Deposit Insurance Corporation, Office of the Comptroller of the Currency, Regulatory Capital Rule: Category I and II Banking Organizations, Banking Organizations With Significant Trading Activity, and Optional Adoption for Other Banking Organizations (91 Fed. Reg. 14,952-15,329, March 27, 2026) Proposed Rule, Federal Reserve, Federal Deposit Insurance Corporation, Office of the Comptroller of the Currency, Regulatory Capital Rules: Regulatory Capital and Standardized Approach for Risk-Weighted Assets (91 Fed. Reg. 15,332-15,452, March 27, 2026) Proposed Rule, Federal Deposit Insurance Corporation, Office of the Comptroller of the Currency; Community Reinvestment Act Regulations (91 Fed. Reg. 52,114-52,218, August 12, 2026) Various issues relating to potential rulemaking regarding Section 956 of the Dodd-Frank Act (P.L. 111-203); independent monetary policy by the Federal Reserve System

Client expense: $16,480,000 · Firm income: Not reported

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

Issues related to the Fair Credit Reporting Act (FCRA) (P.L. 91-508), including H.R. 5775 - FCRA Liability Harmonization Act and H.R. 8141 - Fair Credit Reporting Reseller Accuracy Act.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to the Fair Credit Reporting Act (FCRA) (P.L. 91-508), including H.R. 5775 - FCRA Liability Harmonization Act and H.R. 8141 - Fair Credit Reporting Reseller Accuracy Act; Issues related to privacy and data security; Issues related to accuracy of federal court record searches on PACER.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Legislative and regulatory issues pertaining to FCRA requirements, credit reporting, monitoring, and scoring; including Credit Access and Inclusion Act (S. 1465 & H.R. 5402), ESCRA Act (H.R. 306), FCRA Liability Harmonization Act (H.R. 5775), Credit Freeze for Kids Act (S. 619); the Guidelines for Use, Access, and Responsible Disclosure ("GUARD") of Financial Data Act (H.R. 8308); and Consumer Financial Protection Accountability and Reform Act of 2026 (H.R. 10184).

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

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

S. 619 - Credit Freeze for Kids Act: Provisions pertaining to credit freezing for children. H.R. 7757 - Kids Internet and Digital Safety (KIDS) Act: Provisions pertaining to additional protections for the online privacy of children and teens. S. 1465, H.R. 5402 - Credit Access and Inclusion Act: Provisions pertaining to consumer credit, alternative data and financial inclusion. H.R. 306 - Ending Scam Credit Repair Act (ESCRA Act): Provisions pertaining to credit repair companies. S. 2074 - Servicemembers' Credit Monitoring Enhancement Act: Issues pertaining to servicemembers' credit monitoring. H.R. 5775 - FCRA Liability Harmonization Act: Provisions pertaining to liability statutes in the Fair Credit Reporting Act. H.R. 10184 - Consumer Financial Protection Accountability and Reform Act: Provisions pertaining to structural reform of the Consumer Financial Protection Bureau. H.R. 7588 - Eliminating fraud in the CFPB's Complaint Database Act: Provisions pertaining to Consumer Financial Protection Bureau's complaint portal. H.R. 7270: Stop Identity Fraud and Identity Theft Act of 2026: Provisions pertaining to digital identity and identity fraud. H.R. 8413 - Securing and Establishing Consumer Uniform Rights and Enforcement (SECURE) Data Act; H.R. 8398 - Guidelines for Use, Access, and Responsible Disclosure of Financial Data (GUARD) Act: Provisions pertaining to consumer privacy and financial privacy. Issues related to the cost of credit reports and scores; inclusion of alternative credit scores for GSE mortgages. Issues related to the Consumer Financial Protection Bureau's complaint portal.

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

Government targets: Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Natl Economic Council (NEC), SENATE, Treasury, Dept of, White House Office

Issues related to credit reporting agencies. H.R.5775 - FCRA Liability Harmonization Act.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to the credit reporting industry and the Fair Credit Reporting Act; H.R. 5775, the FCRA Liability Harmonization Act; H.R. 5402, the Credit Access and Inclusion Act.

Client expense: Not reported · Firm income: $70,000

Government targets: Consumer Financial Protection Bureau (CFPB), Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, Natl Economic Council (NEC), SENATE

Issues related to H.R. 5775 - FCRA Liability Harmonization Act; Issues related to S. 619 - Credit Freeze for Kids Act; Issues related to the use of credit reports for mortgage; Issues related to eligibility verification.

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

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

Issues related to H.R. 5775 - FCRA Liability Harmonization Act; Issues related to H.R. 5402/S. 1465 - Credit Access and Inclusion Act of 2025; Issues related to H.R. 8141 - Fair Credit Reporting Reseller Accuracy Act; Issues related to S. 619 - Credit Freeze for Kids Act; Issues related to the use of credit reports for mortgage; Issues related to eligibility verification.

Client expense: $530,000 · Firm income: Not reported

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

Issues related to the use of credit reports for mortgage; Issues related to credit reporting; Issues related to H.R. 5775 - FCRA Liability Harmonization Act.

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

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

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

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

-Issues pertaining to credit reporting and monitoring, use of alternative data, credit repair companies, and FCRA liability, including HR 5775 (FCRA Liability Harmonization Act), HR 8141 (Fair Credit Reporting Reseller Accuracy Act), S. 2074 (Servicemembers' Credit Monitoring Enhancement Act), and HR 306 (Ending Scam Credit Repair Act, ESCRA). -Issues related to the CFPB complaint portal, including HR 75889 (Eliminating Fraud in CFPB's Complaint Database Act). -Issues pertaining to data privacy and a potential federal framework. -Issues related to the FHFA governance of credit scores and reports for GSE loans. -Public Law No: 119-36 - Homebuyers Privacy Protection Act and implementation of limits on the use of mortgage trigger leads for credit reporting agencies. -Issues regarding tri-merge credit reporting.

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

Government targets: Consumer Financial Protection Bureau (CFPB), Federal Housing Finance Agency (FHFA), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE

H.R. 8141 - Fair Credit Reporting Reseller Accuracy Act and H.R. 5775 - FCRA Liability Harmonization Act, concerning amendments to the Fair Credit Reporting Act (FCRA). H.R. 5402 - Credit Access and Inclusion Act of 2025, concerning the inclusion of rent and utility payment data in consumer credit reports. H.R. 7588 - Complaint Database Act, concerning the Consumer Financial Protection Bureau consumer complaint database. H.R. 4801 - Unleashing AI Innovation in Financial Services Act, and related legislation and oversight concerning artificial intelligence preemption of state consumer protection laws (Obernolte-Trahan), an artificial intelligence 'sandbox' in cryptocurrency legislation, the entry of artificial intelligence assistants into financial services, and the sharing of consumer financial data with artificial intelligence providers; use of artificial intelligence and algorithms in consumer credit and financial products. Algorithmic and artificial-intelligence-driven pricing and fees in rental housing, including the use of shared landlord data to set rents and rental fees. Consumer financial fees, including Consumer Financial Protection Bureau rules on credit card late fees and overdraft fees and supervision of payment applications. H.R. 9330 - Earned Wage Access Consumer Protection Act; high-cost and predatory consumer lending, including Enova and OppFi bank applications.

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

Government targets: Consumer Financial Protection Bureau (CFPB), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, SENATE

H.R. 5775 FCRA Liability Harmonization Act; Issues related to the use of credit reports for mortgages; Issues related to credit reporting

Client expense: Not reported · Firm income: $70,000

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

S.4144/H.R.306 - Ending Scam Credit Repair Act or the ESCRA Act Debt settlement issues Legislation to protect consumers from online scams H.R. 5775, the FCRA Liability Harmonization Act H.R. 2978, Guarding Unprotected Aging Retirees from Deception (GUARD Act)

Client expense: $3,510,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Proposals that would alter the vehicle sales, advertising and financing process Legislative proposals to cap the interest rate on extensions of consumer credit and redefine the APR (no bill) Proposals regarding dealer participation, consumer discounts and voluntary protection products Proposals and legislation regarding Section 1071 small business data collection (H.R. 976/S. 557, "1071 Repeal to Protect Small Business Lending Act") Proposals related to telemarketing and advertising Legislative proposals regarding Congressional oversight of the CFPB (no bill) Proposals for the FDIC to reconsider the proposed Parent Companies of Industrial Banks and Industrial Loan Companies (ILC) rule Legislative proposals regarding consumer financial privacy law (no bill) Legislation that would amend the civil liability requirements under the Fair Credit Reporting Act to include requirements relating to class actions (H.R. 5775, "FCRA Liability Harmonization Act") Proposals regarding disparate impact FTC Dealer Advertising Letters

Client expense: $1,191,000 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), Defense, Dept of (DOD), Federal Deposit Insurance Corporation (FDIC), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, SENATE

Issues related to the credit reporting industry and the Fair Credit Reporting Act; H.R. 5775, the FCRA Liability Harmonization Act; H.R. 5402, the Credit Access and Inclusion Act.

Client expense: Not reported · Firm income: $70,000

Government targets: Consumer Financial Protection Bureau (CFPB), Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, Natl Economic Council (NEC), SENATE

Legislative and regulatory issues pertaining to FCRA requirements, credit reporting, monitoring, and scoring; including Credit Access and Inclusion Act (S. 1465 & H.R. 5402), ESCRA Act (H.R. 306), FCRA Liability Harmonization Act (H.R. 5775), Credit Freeze for Kids Act (S. 619); and the Guidelines for Use, Access, and Responsible Disclosure ("GUARD") of Financial Data Act (H.R. 8308).

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

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

HR 2392, STABLE Act of 2025. S. 394, GENIUS Act of 2025. General lobbying on the importance of minority viewpoints on the Securities and Exchange Commission. General lobbying on shareholder forced arbitration and forum selection clauses in corporate bylaws. General lobbying with regard to the use of forced arbitration in financial services and by big banks. General lobbying with regard to SEC nominations. General lobbying with regard to Consumer Financial Protection Bureau (CFPB). General lobbying with regard to cryptocurrency. General lobbying on shareholder proposals impacting corporate accountability and undermining shareholder rights. Draft Senate FSGG appropriations bill. General lobbying with regard to digital commodities. S. 424 Retirement Fairness for Charities and Educational Institutions Act of 2025. H.R. 1013 Retirement Fairness for Charities and Educational Institutions Act of 2025. H.R. 3633 CLARITY Act. General lobbying on SEC and forced shareholder arbitration. Draft legislation on digital asset market structure. H.R.5775 - FCRA Liability Harmonization Act. S.3755 - Digital Commodity Intermediaries Act. Draft legislation repealing Dodd-Frank authorities. H.R.3633 - Digital Asset Market Clarity Act of 2025. S.3755 - Digital Commodity Intermediaries Act. Draft legislation on earned wage access. H.R.4171 - SEED Act of 2025. H.R.7127 - Restoring the Secondary Trading Market Act. Draft legislation on reforming the Gramm-Leach-Bliley Act of 1999. H.R.8141 - Fair Credit Reporting Reseller Accuracy Act. H.R.9330 - Earned Wage Access Consumer Protection Act.

Client expense: $1,840,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S. 619 - Credit Freeze for Kids Act: Provisions pertaining to credit freezing for children. S. 1465, H.R. 5402 - Credit Access and Inclusion Act: Provisions pertaining to consumer credit, alternative data and financial inclusion. H.R. 306 - Ending Scam Credit Repair Act (ESCRA Act): Provisions pertaining to credit repair companies. S. 2074 - Servicemembers' Credit Monitoring Enhancement Act: Issues pertaining to servicemembers' credit monitoring. H.R. 5775 - FCRA Liability Harmonization Act: Provisions pertaining to liability statutes in the Fair Credit Reporting Act. H.R. 7588 - Eliminating fraud in the CFPB's Complaint Database Act: Provisions pertaining to Consumer Financial Protection Bureau's complaint portal. H.R. 7270: Stop Identity Fraud and Identity Theft Act of 2026: Provisions pertaining to digital identity and identity fraud. H.R. 8413 - Securing and Establishing Consumer Uniform Rights and Enforcement (SECURE) Data Act; H.R. 8398 - Guidelines for Use, Access, and Responsible Disclosure of Financial Data (GUARD) Act: Provisions pertaining to consumer privacy and financial privacy. S.J. Res. 133, S.J. Res. 129, S.J. Res. 155, S.J. Res. 127: Issues related to actions taken by the Consumer Financial Protection Bureau. Issues related to the cost of credit reports and scores; inclusion of alternative credit scores for GSE mortgages. Issues related to collection of student loan debt by the federal government.

Client expense: $520,000 · Firm income: Not reported

Government targets: Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Natl Economic Council (NEC), SENATE, Treasury, Dept of, White House Office

Issues related to the Fair Credit Reporting Act (FCRA) (P.L. 91-508), including H.R. 5775 - FCRA Liability Harmonization Act and H.R. 8141 - Fair Credit Reporting Reseller Accuracy Act.

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

Government targets: HOUSE OF REPRESENTATIVES

Issues related to the Fair Credit Reporting Act (FCRA) (P.L. 91-508), including H.R. 5775 - FCRA Liability Harmonization Act and H.R. 8141 - Fair Credit Reporting Reseller Accuracy Act; Issues related to privacy and data security; Issues related to accuracy of federal court record searches on PACER.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to credit reporting agencies. H.R.5775 - FCRA Liability Harmonization Act.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues pertaining to Fair Credit Reporting Act (FCRA) requirements, credit reporting, monitoring, and scoring; including the FCRA Liability Harmonization Act (H.R. 5775).

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to H.R. 5775 - FCRA Liability Harmonization Act; Issues related to H.R. 5402/S. 1465 - Credit Access and Inclusion Act of 2025; Issues related to H.R. 8141 - Fair Credit Reporting Reseller Accuracy Act; Issues related to S. 619 - Credit Freeze for Kids Act; Issues related to the use of credit reports for mortgage; Issues related to eligibility verification.

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

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

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

-Issues pertaining to credit reporting and monitoring, use of alternative data, credit repair companies, and FCRA liability, including HR 5775 (FCRA Liability Harmonization Act), HR 8141 (Fair Credit Reporting Reseller Accuracy Act), S. 2074 (Servicemembers' Credit Monitoring Enhancement Act), and HR 306 (Ending Scam Credit Repair Act, ESCRA). -Issues related to the CFPB complaint portal, including HR 75889 (Eliminating Fraud in CFPB's Complaint Database Act). -Issues pertaining to data privacy and a potential federal framework. -Issues related to the FHFA governance of credit scores and reports for GSE loans. -Public Law No: 119-36 - Homebuyers Privacy Protection Act and implementation of limits on the use of mortgage trigger leads for credit reporting agencies.

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

Government targets: Consumer Financial Protection Bureau (CFPB), Federal Housing Finance Agency (FHFA), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, SENATE

Proposals that would alter the vehicle sales, advertising and financing process Legislative proposals to cap the interest rate on extensions of consumer credit and redefine the APR (no bill) Proposals regarding dealer participation, consumer discounts and voluntary protection products Proposals and legislation regarding Section 1071 small business data collection (H.R. 976/S. 557, "1071 Repeal to Protect Small Business Lending Act") Proposals related to telemarketing and advertising Legislative proposals regarding Congressional oversight of the CFPB (no bill) Proposals for the FDIC to reconsider the proposed Parent Companies of Industrial Banks and Industrial Loan Companies (ILC) rule Legislative proposals regarding consumer financial privacy law (no bill) Legislation that would amend the civil liability requirements under the Fair Credit Reporting Act to include requirements relating to class actions (H.R. 5775, "FCRA Liability Harmonization Act") Proposals regarding disparate impact FTC Dealer Advertising Letters

Client expense: $1,395,000 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), Defense, Dept of (DOD), Federal Deposit Insurance Corporation (FDIC), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, SENATE

H.R. 5775 FCRA Liability Harmonization Act; Issues related to the use of credit reports for mortgages; Issues related to credit reporting

Client expense: Not reported · Firm income: $70,000

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

Issues related to the credit reporting industry and the Fair Credit Reporting Act; H.R. 5775, the FCRA Liability Harmonization Act; H.R. 5402, the Credit Access and Inclusion Act.

Client expense: Not reported · Firm income: $70,000

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

Legislative and regulatory issues pertaining to FCRA requirements, credit reporting, monitoring, and scoring; including Homebuyers Privacy Protection Act (H.R. 2808 & S. 1467), Credit Access and Inclusion Act (S. 1465 & H.R. 5402), ESCRA Act (H.R. 306), FCRA Liablility Harmonization Act (H.R. 5775), and Credit Freeze for Kids Act (S. 619).

Client expense: $410,000 · Firm income: Not reported

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

HR 2392, STABLE Act of 2025. S. 394, GENIUS Act of 2025. General lobbying on the importance of minority viewpoints on the Securities and Exchange Commission. General lobbying on shareholder forced arbitration and forum selection clauses in corporate bylaws. General lobbying with regard to the use of forced arbitration in financial services and by big banks. General lobbying with regard to SEC nominations. General lobbying with regard to Consumer Financial Protection Bureau (CFPB). General lobbying with regard to cryptocurrency. General lobbying on shareholder proposals impacting corporate accountability and undermining shareholder rights. Draft Senate FSGG appropriations bill. General lobbying with regard to digital commodities. S. 424 Retirement Fairness for Charities and Educational Institutions Act of 2025. H.R. 1013 Retirement Fairness for Charities and Educational Institutions Act of 2025. H.R. 3633 CLARITY Act. General lobbying on SEC and forced shareholder arbitration. Draft legislation on digital asset market structure. H.R.5775 - FCRA Liability Harmonization Act. S.3755 - Digital Commodity Intermediaries Act. Draft legislation repealing Dodd-Frank authorities. H.R.3633 - Digital Asset Market Clarity Act of 2025. S.3755 - Digital Commodity Intermediaries Act. Draft legislation on earned wage access. H.R.4171 - SEED Act of 2025. H.R.7127 - Restoring the Secondary Trading Market Act. Draft legislation on reforming the Gramm-Leach-Bliley Act of 1999.

Client expense: $1,480,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S. 656 - Fair Credit for American Hostages Act: Provisions pertaining to freezing consumer credit reports of American Hostages. Public Law No: 119-36 - Homebuyers Privacy Protection Act: Provisions pertaining to the use of mortgage trigger leads for credit reporting agencies. S. 1465, H.R. 5402 - Credit Access and Inclusion Act: Provisions pertaining to consumer credit, alternative data and financial inclusion. H.R. 306 - Ending Scam Credit Repair Act (ESCRA Act): Provisions pertaining to credit repair companies. S. 2074 - Servicemembers' Credit Monitoring Enhancement Act: Issues pertaining to servicemembers' credit monitoring. H.R. 5775 - FCRA Liability Harmonization Act: Provisions pertaining to liability statutes in the Fair Credit Reporting Act. H.R. 7588 - Eliminating fraud in the CFPB's Complaint Database Act: Provisions pertaining to Consumer Financial Protection Bureau's complaint portal. H.R. 7270: Stop Identity Fraud and Identity Theft Act of 2026: Issues related to digital identity and identity fraud. Issues related to the cost of credit reports and scores. Issues related to the Consumer Financial Protection Bureau's 1033 open banking rulemaking.

Client expense: $670,000 · Firm income: Not reported

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

Issues related to the Fair Credit Reporting Act (FCRA) (P.L. 91-508), including H.R. 5775 - FCRA Liability Harmonization Act; Issues related to privacy and data security; Issues related to accuracy of federal court record searches on PACER.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to the Fair Credit Reporting Act (FCRA) (P.L. 91-508), including H.R. 5775 - FCRA Liability Harmonization Act; Issues related to privacy and data security; Issues related to accuracy of federal court record searches on PACER.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to credit reporting agencies. H.R.5775 - FCRA Liability Harmonization Act.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to the use of credit reports for mortgage; Issues related to credit reporting; Issues related to H.R. 5775 - FCRA Liability Harmonization Act.

Client expense: $480,000 · Firm income: Not reported

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

Legislative and regulatory issues pertaining to FCRA requirements, credit reporting, monitoring, and scoring; including Homebuyers Privacy Protection Act (H.R. 2808 & S. 1467), Credit Access and Inclusion Act (S. 1465 & H.R. 5402), ESCRA Act (H.R. 306), FCRA Liablility Harmonization Act (H.R. 5775), and Credit Freeze for Kids Act (S. 619).

Client expense: $405,000 · Firm income: Not reported

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

Proposals that would alter the vehicle sales, advertising and financing process Legislative proposals to cap the interest rate on extensions of consumer credit and redefine the APR (no bill) Proposals regarding dealer participation, consumer discounts and voluntary protection products Proposals and legislation regarding Section 1071 small business data collection (H.R. 976/S. 557, "1071 Repeal to Protect Small Business Lending Act") Proposals related to telemarketing and advertising Legislative proposals regarding Congressional oversight of the CFPB (no bill) Proposals for the FDIC to reconsider the proposed Parent Companies of Industrial Banks and Industrial Loan Companies (ILC) rule Legislative proposals regarding consumer financial privacy law (no bill) Legislation that would amend the civil liability requirements under the Fair Credit Reporting Act to include requirements relating to class actions (H.R. 5775, "FCRA Liability Harmonization Act") Proposals regarding disparate impact

Client expense: $1,421,000 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), Defense, Dept of (DOD), Federal Deposit Insurance Corporation (FDIC), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, SENATE

H.R. 940 - Fair Audits and Inspections for Regulators' (FAIR) Exams Act: provisions related to examination. H.R. 1734 / S. 2117 - Preventing Deep Fake Scams Act: provisions related to artificial intelligence. H.R. 2152 - Artificial Intelligence Practices, Logistics, Actions, and Necessities (AI PLAN) Act: provisions related to artificial intelligence. H.R. 4437 - Supervisory Modifications for Appropriate Risk-based Testing (SMART) Act: provisions related to examination. H.R. 4478 - Tailored Regulatory Updates for Supervisory Testing (TRUST) Act of 2025 Act: provisions related to examination. H.R. 5402 / S.1465 - Credit Access and Inclusion Act of 2025: provisions related to credit reporting. H.R. 5775 - FCRA Liability Harmonization Act: provisions related to the Fair Credit Reporting Act. H.R. 6552 - Bank-Fintech Partnership Enhancement Act: provisions related to bank-fintech partnerships. S. 1582 - Guiding and Establishing National Innovation for U.S. Stablecoins (GENIUS) Act: provisions related to interest/yield reform. S. 2750 - Artificial Intelligence Innovation Sandbox Information Generation and Harmonization of Testing (AI INSIGHT) Act: provisions related to artificial intelligence. FR Doc. 2025-15697: Request for Comment on Innovative Methods To Detect Illicit Activity Involving Digital Assets; discussions related to combatting illicit activities in digital assets. Docket No. CFPB-2025-0037: Personal Financial Data Rights Reconsideration; discussions related to prohibition of fees for access to consumer data, secondary use of consumer data, and modifications to the annual reauthorization requirements. Discussions regarding the CFPB Advisory Opinion, "Truth in Lending (Regulation Z); Non-application to Earned Wage Access Products" related to earned wage access. Letter to Ranking Member Waters on shutdown impact on consumers and industry addressing earned wage access and bank-fintech partnerships. Discussions on potential legislation regarding earned wage access. Discussions on potential legislation to evaluate the use of technology and artificial intelligence to uphold regulatory effectiveness through supervisory assessments. Discussion with respect to the use of artificial intelligence in the financial services and housing industries.

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

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

S. 2144 - An Act to improve the safety and security of Members of Congress, immediate family members of Members of Congress, and congressional staff: Issues pertaining to data access and use for elected officials. S. 656 - Fair Credit for American Hostages Act: Provisions pertaining to freezing consumer credit reports of American Hostages. Public Law No: 119-36 - Homebuyers Privacy Protection Act: Provisions pertaining to the use of mortgage trigger leads for credit reporting agencies. S. 1465, H.R. 5402 - Credit Access and Inclusion Act: Provisions pertaining to consumer credit, alternative data and financial inclusion. H.R. 306 - Ending Scam Credit Repair Act (ESCRA Act): Provisions pertaining to credit repair companies. S. 2074 - Servicemembers' Credit Monitoring Enhancement Act: Issues pertaining to servicemembers' credit monitoring. H.R. 5775 - FCRA Liability Harmonization Act: Provisions pertaining to liability statutes in the Fair Credit Reporting Act. P.L. 119-60 - National Defense Authorization Act for Fiscal Year 2026: Issues pertaining to data access and use for elected officials. Issues pertaining to Consumer Financial Protection Bureau's complaint portal. Issues related to the cost of credit reports and scores.

Client expense: $740,000 · Firm income: Not reported

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

Legislative and regulatory issues pertaining to FCRA requirements, credit reporting, monitoring, and scoring; including Homebuyers Privacy Protection Act (H.R. 2808 & S. 1467), Credit Access and Inclusion Act (S. 1465 & H.R. 5402), ESCRA Act (H.R. 306), FCRA Liablility Harmonization Act (H.R. 5775), and Credit Freeze for Kids Act (S. 619).

Client expense: $405,000 · Firm income: Not reported

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