SCAM Act

Issues related to capital, liquidity rules, and application of enhanced prudential standards (no bill); H.R.7548 - Safeguarding Consumers from Advertising Misconduct Act (SCAM Act) - issues relating to accountability around platforms removing scam/fraud activity; S.2019 - Taskforce for Recognizing and Averting Payment Scams Act (TRAPS Act) - issues relating to public-private sector coordination in combating fraud and scam schemes; H.R.4551 - Employee Paycheck and Small Business Protection Act - issues relating to fair deposit insurance treatment from regional bank perspective; H.R.3633 - Digital Asset Market Clarity Act of 2025 - issues relating to innovation with safeguards against disintermediation and greater parity between nonbanks and banks on key safety and soundness requirements; H.R. 8395 - PACE Act of 2026 - issues relating to cyber and safety and soundness standards in any change to the Feds payments infrastructure; H.R. 6955-Main Street Capital Access Act-issues related to indexing of bank regulatory thresholds

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues relating to data privacy/protection; H.R. 7548, SCAM Act, all provisions.

Client expense: $640,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 7548/S. 3774: Safeguarding Consumers from Advertising Misconduct (SCAM) Act. Issues related to the changing fraud landscape and scams.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

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. 2152 The AI PLAN Act H.R. 2978 The GUARD 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. 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. 5276 The Community Bank LIFT Act H.R. 5291 The Merchant Banking Modernization Act H.R. 6955 Main Street Capital Access Act H.R. 7056 Community Bank Regulatory Tailoring Act H.R. 7548 The SCAM Act H.R. 8071 Fair Exams Act H.R. 8671 The Bank Fraud Technology Advancement Act H.R. 9331 the Strengthening Transaction Oversight and Preventing (STOP) Payments Fraud Act H.R. 9471 the SAFE Banking Act S. 113 The Promoting New Bank Formation Act S. 427 The TAILOR Act S. 2663 Merchant Banking Modernization Act S. 2704 CDFI Fund Transparency Act S. 3774 The SCAM Act S. 3830 TRUST Act S. 4182 The FARM Act Housing Expansion S. 4942 the SAFE Banking Act S. 5335 FAIR Exams Act S. 5526 The Agricultural Act of 2026 Artificial Intelligence CFPB 1033 Rule Community Bank Access to Capital Credit Card Competition Act Credit Union Acquisitions of Community Banks Credit Union Field of Membership Rules De Novo Bank Formation Deposit Insurance Digital Assets Regulation Executive Order 14405: Integrating Financial Technology Innovation into Regulatory Frameworks Executive Order 14406: Restoring Integrity to Americas Financial System Form 990 Initiative Fraud and Scams Industrial Loan Company Applications National Trust Bank Charter Rules and Applications Pausing Access to Business & Industry Loans by USDA Regulatory Relief Stablecoin Regulation Support for the 7(a) Program Risk Oversight Act

Client expense: $1,030,000 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), Executive Office of the President (EOP), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Natl Credit Union Administration (NCUA), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of, White House Office

Legislative and regulatory activity impacting the banking industry including: Monitor issues related to digital asset market structure, H.R.3633, Digital Asset Market Clarity Act of 2025 (CLARITY Act); H.R.6644, 21st Century ROAD to Housing Act; S.3623/H.R.7035, Credit Card Competition Act of 2026; Credit card interest rate controls; H.R.7548/S.3774, SCAM Act.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Oppose Credit Card Competition Act, Support/cosponsor the HR 7548, S 3774 the SCAM Act, Support/cosponsor HR 9900 and S 4808 the Privately Insured Credit Union Conversion Modernization Act

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Preserving credit union tax exemption; Tax Cuts and Jobs Act; HR 654 (move CFPB to appropriations); HJRes 59 (repeal overdraft rule); SJRes 18 (repeal overdraft rule); expansion of CFI definition under the FHLB; S. 522, Credit Union Board Modernization Act; S. 2019, the TRAPS Act (fraud prevention); Small Business Administration lending letter; the GENIUS Act (crypto & stablecoin); H.R. 507, the veterans member business lending act; HR 1799, the Financial Reporting Threshold Modernization Act; HR 4167/S. 3616, Expanding Access to Lending Options Act; S. 2545, the Expanding NCUA Liquidity Facility Enhancements Act; National Defense Authorization Act; Credit Card Competition Act (interchange); affordable housing; budget reconciliation; CU tax exemption; H.R. 7548/S. 3674, the SCAM Act; H.R. 933, the STOP Payments Fraud Act; H.R. 7647, the Minimizing Outdated Restrictions that Exclude (MORE) Opportunities for Homeownership Act; HR 10082, the Credit Union Investment Authority Act

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

Government targets: Consumer Financial Protection Bureau (CFPB), HOUSE OF REPRESENTATIVES, Natl Credit Union Administration (NCUA), SENATE, Treasury, Dept of

Issues related to financial services, fraud and risk management, payments, and technology. TRAPS Act (S 2019 and HR 4936), SCAM Act (HR 7548 and S.3774), National Strategy for Combating Scams Act (HR 6425), AI PLAN Act (HR 2152), GUARD Financial Data Act (HR 8398),

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to financial services, fraud and risk management, payments, and technology. TRAPS Act (S 2019 and HR 4936), SCAM Act (HR 7548 and S.3774), National Strategy for Combating Scams Act (HR 6425), AI PLAN Act (HR 2152), GUARD Financial Data Act (HR 8398),

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Lapses by the retail industry/merchants in securing consumer information continue to be extremely problematic and costly to consumers and financial institutions. MCUL is advocating that Congress hold retailers to the same or similar data security standard as the financial service industry has to abide by and require that retailers notify credit unions sooner once a breach occurs. We support the introduction and passage of legislation that ensures all businesses, institutions and organizations that collect, collect, use or share personal data subject to national standards, to include language that preempts state requirements, among other things. Credit Unions are fighting a significant surge in fraud/scams that is costing American consumers billions annually. MCUL is educating lawmakers on the impact fraud is having on members and on credit unions. Credit unions are supporting three fraud related bills currently: H.R. 9331, the Strengthening Transaction Oversight and Preventing (STOP) Payments Fraud Act; S.2019/H.R. 4936, the Task Force for Recognizing and Averting Payment Scams (TRAPS) Act; and S.3774/H.R. 7548, the Safeguarding Consumers from Advertizing Misconduct (SCAM) Act. We are urging our delegation to support the legislation and call on leadership to pass the bills. MCUL supports modernizing the Federal Credit Union Act (FCUA). The financial service industry is rapidly changing. Advancements in technology, including high speed internet connectivity, have significantly changed our society and how financial institutions do business. Updating the FCUA has become necessary to ensure federally chartered credit unions have the powers and flexibility to be competitive and members can benefit from new technology. We are currently supporting the Veterans Member Business Loan Act (S.210/H.R. 507) that would exempt credit union business loans to veterans from the member business lending cap and we are supporting the Credit Union Board Modernization Act (S.522/H.R. 975) which would afford federal credit unions flexibility with regard to how often their boards meet. MCUL is monitoring developments for GSE/housing finance reform and will advocate to make sure any reforms reflect the significant role credit unions play in the secondary mortgage market and we will defend against anything that is potentially harmful to credit unions and their members. MCUL is calling on Congress to pass bank secrecy act/anti-money laundering reforms and provide financial institutions relief from unnecessary, duplicate and burdensome rules and increase the SAR and CTR thresholds. MCUL is urging lawmakers in the House to co-sponsor and support H.R. 1799, the Financial Reporting Threshold Modernization Act which would increase the CTR threshold from $10k to $30k and index it going forward for inflation. It would also increase the SAR threshold from $5k to $10k. MCUL is educating members of our congressional delegation on the growing interest among credit union members and credit unions in cryptocurrency. We believe Congress should explore ways to regulate the delivery of financial services using digital currencies to ensure consumers are protected in the same way if they received financial services a financial institution. We urge Congress to look for ways to enable credit unions and other financial institutions to provide digital assets, so that these services can be properly overseen by federal regulators. Finally, credit unions seek parity with other financial institutions in this area as credit unions must be able to offer digital/crypto products and services directly to their members in the same way that other institutions can to their customers. Lastly, credit unions are non-for-profit member-owned financial institutions. Credit unions' consumer-focused model is self-regulating and a principal reason why credit unions are not covered by the Community Reinvestment Act (CRA). MCUL will educate members of the delegation of the work credit unions are doing to serve low/moderate-income, diverse communities and the negative impacts of including credit unions in the CRA. We will oppose efforts that would result in credit unions of any size being included in the CRA.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to trademark protection. S.1367/H.R.2794 - NO FAKES Act of 2025. H.R.4930 - The Bipartisan Counterfeit Notification Act. S.2612 - SAFE Act as it relates to provisions of the Tariff Act of 1930. Monitor No Stolen Trademarks Honored in America Act [Legislation not yet introduced]. Monitor S.3774/H.R.7548 - Safeguarding Consumers from Advertising Misconduct (SCAM) Act. Counterfeit Imports. Monitor USPTO fee setting issue.

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

Government targets: Commerce, Dept of (DOC), Executive Office of the President (EOP), Federal Trade Commission (FTC), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Intl Trade Administration (ITA), Justice, Dept of (DOJ), Patent & Trademark Office (PTO), SENATE, State, Dept of (DOS), Treasury, Dept of, U.S. Copyright Office, U.S. Customs & Border Protection, U.S. International Trade Commission (ITC), U.S. Trade Representative (USTR)

Preserving credit union tax exemption; Tax Cuts and Jobs Act; HR 654 (move CFPB to appropriations); HJRes 59 (repeal overdraft rule); SJRes 18 (repeal overdraft rule); expansion of CFI definition under the FHLB; S. 522, Credit Union Board Modernization Act; S. 2019, the TRAPS Act (fraud prevention); Small Business Administration lending letter; the GENIUS Act (crypto & stablecoin); H.R. 507, the veterans member business lending act; HR 1799, the Financial Reporting Threshold Modernization Act; HR 4167/S. 3616, Expanding Access to Lending Options Act; S. 2545, the Expanding NCUA Liquidity Facility Enhancements Act; National Defense Authorization Act; Credit Card Competition Act (interchange); affordable housing; budget reconciliation; CU tax exemption; H.R. 7548/S. 3674, the SCAM Act; H.R. 933, the STOP Payments Fraud Act; H.R. 7647, the Minimizing Outdated Restrictions that Exclude (MORE) Opportunities for Homeownership Act

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

Government targets: Consumer Financial Protection Bureau (CFPB), HOUSE OF REPRESENTATIVES, Natl Credit Union Administration (NCUA), SENATE, Treasury, Dept of

Issues related to banking and credit unions; issues related to cannabis banking; issues related to deposit insurance; issues related to interchange; issues related to payment networks; issues related to consumer protection rules and regulations; issues related to rules and legislation affecting credit unions; issues related to lending programs and credit union operational flexibility; issues related to community development financial institutions; S. 303; S. 394; S. 401; S. 522; S. 919; S. 940; S. 1582; S. 1880; S. 2019; S. 2296; S. 2999; S. 3017; S. 3355; S. 3684; H.R. 654; H.R. 814; H.R. 975; H.R. 987; H.R. 1603; H.R. 1652; H.R 1791; H.R. 1799; H.R. 2392; H.R. 3633; H.R. 5900; H.R. 6644; H.R. 6936; H.R. 6955; H.R. 7056; H.R. 7148; H.R. 7548; H.R. 7647; H.R. 8087 H.R. 4167; S.J. Res. 18; H.J. Res. 50; H.J. Res. 59.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to banking and credit unions; issues related to cannabis banking; issues related to deposit insurance; issues related to interchange; issues related to payment networks; issues related to consumer protection rules and regulations; issues related to rules and legislation affecting credit unions; issues related to lending programs and credit union operational flexibility; issues related to community development financial institutions; S. 303; S. 394; S. 401; S. 522; S. 919; S. 940; S. 1582; S. 1880; S. 2019; S. 2296; S. 2999; S. 3017; S. 3355; S. 3684; H.R. 654; H.R. 814; H.R. 975; H.R. 987; H.R. 1603; H.R. 1652; H.R 1791; H.R. 1799; H.R. 2392; H.R. 3633; H.R. 5900; H.R. 6644; H.R. 6936; H.R. 6955; H.R. 7056; H.R. 7148; H.R. 7548; H.R. 7647; H.R. 8087 H.R. 4167; S.J. Res. 18; H.J. Res. 50; H.J. Res. 59.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to H.R. 7548 - SCAM Act.

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

Government targets: HOUSE OF REPRESENTATIVES

Issues related to capital, liquidity rules, and application of enhanced prudential standards (no bill); H.R.7548 - Safeguarding Consumers from Advertising Misconduct Act (SCAM Act) - issues relating to accountability around platforms removing scam/fraud activity; S.2019 - Taskforce for Recognizing and Averting Payment Scams Act (TRAPS Act) - issues relating to public-private sector coordination in combating fraud and scam schemes; H.R.4551 - Employee Paycheck and Small Business Protection Act - issues relating to fair deposit insurance treatment from regional bank perspective; H.R.3633 - Digital Asset Market Clarity Act of 2025 - issues relating to innovation with safeguards against disintermediation and greater parity between nonbanks and banks on key safety and soundness requirements; H.R. 8395 - PACE Act of 2026 - issues relating to cyber and safety and soundness standards in any change to the Feds payments infrastructure;

Client expense: $220,000 · Firm income: Not reported

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

S. 381, H.R. 1944, S. 2781, S. 3623, H.R. 7035, S. 4244, S. 3793, S. 3721, S. 3660, H.R. 7548, S. 3774 - Discussed consumer protection, fraud and scam prevention, digital identification, credit reporting, and privacy issues related to financial services and products. Discussed issues related to credit and debit card services.

Client expense: $1,190,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues relating to data privacy/protection; H.R. 7548, SCAM Act, all provisions.

Client expense: $720,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

General education: deposit insurance modernization, SBA program mission support, affordable housing, preventing illicit finance protections, preventing consumer fraud and protecting private consumer information, economic and community development, CDFI/MDI funding, business expansion updates, credit policy, regulatory impacts on access to capital, flood insurance. Specific bills: H.R. 3633 Digital Asset Market CLARITY Act H.R. 3234, Keeping Deposits Local Act H.R. 5913/S. 2464, Community Investment and Prosperity Act H.R. 6644, 21st Century Road to Housing Act H.R. 6553, Tailoring and Indexing Enhanced Regulations (TIER) Act H.R. 7548/S. 3774, Safeguarding Consumers from Advertising Misconduct Act S. 381, 10 Percent Credit Card Interest Rate Cap Act

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

Government targets: Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, SENATE, Small Business Administration (SBA)

Legislative and regulatory activity impacting the banking industry including: Monitor issues related to digital asset market structure, H.R.3633, Digital Asset Market Clarity Act of 2025 (CLARITY Act); H.R.6644, 21st Century ROAD to Housing Act; S.3623/H.R.7035, Credit Card Competition Act of 2026; Credit card interest rate controls; H.R.7548/S.3774, SCAM Act.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

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. 976 The 1071 Repeal to Protect Small Business Lending Act H.R. 1606 Making the CFPB Accountable to Small Businesses Act H.R. 2152 The AI PLAN Act H.R. 2978 The GUARD Act 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. 4544 The American Access to Banking Act H.R. 4551 The Employee Paycheck and Small Business Protection Act H.R. 5276 The Community Bank LIFT Act H.R. 5291 The Merchant Banking Modernization Act H.R. 5317 The Community Bank Deposit Access Act of 2025 H.R. 6547 The Least Cost Exception Act H.R. 6552 The Bank-Fintech Partnership Enhancement Act (Rep. Andy Barr) H.R. 6554 The Community Bank Representation Act (Rep. Monica De La Cruz) H.R. 6555 The Enhancing Bank Resolution Participation Act H.R. 6556 The Failing Bank Acquisitions Fairness Act H.R. 6955 Main Street Capital Access Act H.R. 7056 Community Bank Regulatory Tailoring Act H.R. 7548 The SCAM Act H.R. 8071 Fair Exams Act H.R. 8075 Emergency Transaction Account Guarantee Program H.R. 8087 Main Street Depositor Protection Act H.R. 8088 Growing Deposit Insurance for the Future Act H.R. 8278 The Fostering the Use of Technology to Uphold Regulatory Effectiveness in Supervision Act H.R. 8671 The Bank Fraud Technology Advancement Act H.R. 9331 the Strengthening Transaction Oversight and Preventing (STOP) Payments Fraud Act S. 113 The Promoting New Bank Formation Act S. 427 The TAILOR Act S. 557 The 1071 Repeal to Protect Small Business Lending Act S. 2663 Merchant Banking Modernization Act S. 2704 CDFI Fund Transparency Act S. 2999 Main Street Depositor Protection Act S. 3774 The SCAM Act S. 3830 TRUST Act S 4182 The FARM Act Housing Expansion Artificial Intelligence CFPB 1033 Rule Community Bank Access to Capital Credit Card Competition Act Credit Union Acquisitions of Community Banks Credit Union Field of Membership Rules Critical Infrastructure Protection Cybersecurity Data Privacy De Novo Bank Formation Deposit Insurance Digital Assets Regulation EGRPRA Review Executive Order 14406: Restoring Integrity to Americas Financial System Executive Order 14409: Promoting Advanced Artificial Intelligence Innovation and Security Form 990 Initiative Fraud and Scams National Trust Bank Charter Rules and Applications Regulatory Relief Stablecoin Regulation Support for Kevin Warsh for Federal Reserve Board Chairman The Growing Deposit Insurance for the Future Act

Client expense: $2,170,000 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), Executive Office of the President (EOP), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of, White House Office

Issues related to trademark protection. S.1367/H.R.2794 - NO FAKES Act of 2025. H.R.4930 - The Bipartisan Counterfeit Notification Act. S.2612 - SAFE Act as it relates to provisions of the Tariff Act of 1930. Monitor issues related to Preventing Abuse of Digital Replicas Act (PADRA) [Legislation not yet introduced]. Monitor No Stolen Trademarks Honored in America Act [Legislation not yet introduced]. Monitor S.3774/H.R.7548 - Safeguarding Consumers from Advertising Misconduct (SCAM) Act. Counterfeit Imports.

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

Government targets: Commerce, Dept of (DOC), Executive Office of the President (EOP), Federal Trade Commission (FTC), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Intl Trade Administration (ITA), Justice, Dept of (DOJ), Patent & Trademark Office (PTO), SENATE, State, Dept of (DOS), Treasury, Dept of, U.S. Copyright Office, U.S. Customs & Border Protection, U.S. International Trade Commission (ITC), U.S. Trade Representative (USTR)

Issues related to financial services, fraud and risk management, payments, and technology. TRAPS Act (S 2019 and HR 4936), SCAM Act (HR 7548 and S.3774), National Strategy for Combating Scams Act (HR 6425), Foreign Robocall Elimination Act (S 2666), AI PLAN Act (HR 2152), FCRA Liability Harmonization Act (HR 2359), GUARD Financial Data Act (HR 8398), ReportScams.Gov Act (S 4782)

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to financial services, fraud and risk management, payments, and technology. TRAPS Act (S 2019 and HR 4936), SCAM Act (HR 7548 and S.3774), National Strategy for Combating Scams Act (HR 6425), Foreign Robocall Elimination Act (S 2666), AI PLAN Act (HR 2152), FCRA Liability Harmonization Act (HR 2359), GUARD Financial Data Act (HR 8398), ReportScams.Gov Act (S 4782)

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

Government targets: HOUSE OF REPRESENTATIVES, Office of the Vice President of the United States, SENATE

Issues related to banking and credit unions; issues related to cannabis banking; issues related to deposit insurance; issues related to interchange; issues related to payment networks; issues related to consumer protection rules and regulations; issues related to rules and legislation affecting credit unions; issues related to lending programs and credit union operational flexibility; issues related to community development financial institutions; S. 303; S. 394; S. 401; S. 522; S. 919; S. 940; S. 1582; S. 1880; S. 2019; S. 2296; S. 2999; S. 3017; H.R. 654; H.R. 814; H.R. 975; H.R. 987; H.R. 1603; H.R. 1652; H.R 1791; H.R. 1799; H.R. 2392; H.R. 3633; H.R. 6644; H.R. 6936; H.R. 6955; H.R. 7056; H.R. 7148; H.R. 7548; H.R. 7647; H.R. 8087 H.R. 4167; S.J. Res. 18; H.J. Res. 50; H.J. Res. 59.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to banking and credit unions; issues related to cannabis banking; issues related to deposit insurance; issues related to interchange; issues related to payment networks; issues related to consumer protection rules and regulations; issues related to rules and legislation affecting credit unions; issues related to lending programs and credit union operational flexibility; issues related to community development financial institutions; S. 303; S. 394; S. 401; S. 522; S. 919; S. 940; S. 1582; S. 1880; S. 2019; S. 2296; S. 2999; S. 3017; H.R. 654; H.R. 814; H.R. 975; H.R. 987; H.R. 1603; H.R. 1652; H.R 1791; H.R. 1799; H.R. 2392; H.R. 3633; H.R. 6644; H.R. 6936; H.R. 6955; H.R. 7056; H.R. 7148; H.R. 7548; H.R. 7647; H.R. 8087 H.R. 4167; S.J. Res. 18; H.J. Res. 50; H.J. Res. 59.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to capital, liquidity rules, and application of enhanced prudential standards; expansion of housing development and housing opportunities; establishing an "all of government" and private sector effort to counter financial fraud; payment issues including debit and credit interchange legislation; federal taxation including New Markets/Low Income extension. H.R. 6644, 21st Century ROAD to Housing Act H.R.7548 - Safeguarding Consumers from Advertising Misconduct Act (SCAM Act) S.2019 - Taskforce for Recognizing and Averting Payment Scams Act (TRAPS Act) H.R.4551 - Employee Paycheck and Small Business Protection Act H.R.3633 - Digital Asset Market Clarity Act of 2025

Client expense: $990,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S. 4144/H.R. 306, the Ending Scam Credit Repair Act (ESCRA) Act. S. 1467/H.R. 2808, the Homebuyers Privacy Protection Act. S. 3982/H.R. 7786, the AI Fraud Accountability Act. S. 1699, Artificial Intelligence Public Awareness and Education Campaign Act. S. 314/ H.R. 1479, the Hotel Fees Transparency Act. S. 3354 /H.R. 1027, the QUIET Act. S. 3774/H.R. 7548, SCAM Act. S. 281/ H.R. 1402, the TICKET Act. H.R. 6678, the Senior Legal Hotline Act. S. 2120, the Older Americans Act (OAA) Reauthorization Act. No bill number. Discussed veterans and scams.

Client expense: $3,830,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), SENATE

H.R. 7548, SCAM Act; provisions related to cybercrime and fraud.

Client expense: $1,680,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues relating to data privacy/protection; H.R. 7548, SCAM Act, all provisions.

Client expense: $720,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Preserving credit union tax exemption; Tax Cuts and Jobs Act; HR 654 (move CFPB to appropriations); HJRes 59 (repeal overdraft rule); SJRes 18 (repeal overdraft rule); expansion of CFI definition under the FHLB; S. 522, Credit Union Board Modernization Act; S. 2019, the TRAPS Act (fraud prevention); Small Business Administration lending letter; the GENIUS Act (crypto & stablecoin); H.R. 507, the veterans member business lending act; HR 1799, the Financial Reporting Threshold Modernization Act; HR 4167/S. 3616, Expanding Access to Lending Options Act; S. 2545, the Expanding NCUA Liquidity Facility Enhancements Act; National Defense Authorization Act; Credit Card Competition Act (interchange); affordable housing; budget reconciliation; CU tax exemption; H.R. 7548/S. 3674, the SCAM Act

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

Government targets: Consumer Financial Protection Bureau (CFPB), HOUSE OF REPRESENTATIVES, Natl Credit Union Administration (NCUA), SENATE, Treasury, Dept of

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. 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. 1944 10 Percent Credit Card Interest Rate Cap Act H.R. 2808 The Homebuyers Privacy Protection Act 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. 4551 The Employee Paycheck and Small Business Protection 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. 5577 The NFIP Extension Act of 2026 (Rep. Andrew Garbarino) H.R. 6536 The Rural Depositories Revitalization Study Act (Rep. Ralph Norman) H.R. 6544 The Regulatory Efficiency, Verification, Itemization, and Enhanced Workflow (REVIEW) Act (Rep. William Timmons) H.R. 6547 The Least Cost Exception Act H.R. 6552 The Bank-Fintech Partnership Enhancement Act (Rep. Andy Barr) H.R. 6554 The Community Bank Representation Act (Rep. Monica De La Cruz) H.R. 6555 The Enhancing Bank Resolution Participation Act H.R. 6556 The Failing Bank Acquisitions Fairness Act H.R. 6955 Main Street Capital Access Act H.R. 7056 Community Bank Regulatory Tailoring Act H.R. 7548 The SCAM Act H.R. 7769 Municipal Investment and Neighborhood Transformation Act H.R. 8071 Fair Exams Act H.R. 8075 Emergency Transaction Account Guarantee Program H.R. 8087 Main Street Depositor Protection Act H.R. 8088 Growing Deposit Insurance for the Future Act S. 113 The Promoting New Bank Formation Act S. 427 The TAILOR Act S. 557 The 1071 Repeal to Protect Small Business Lending Act S. 1467 Homebuyers Privacy Protection 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. 3774 The SCAM Act S. 3830 TRUST Act S. 3941 Municipal Investment and Neighborhood Transformation Act Amendment 3640 to S. 2296 National Defense Authorization Act - CDFIs CFPB 1033 Rule Community Bank Access to Capital Credit Card Competition Act Credit Union Acquisitions of Community Banks Credit Union Field of Membership Rules Data Privacy De Novo Bank Formation Deposit Insurance Digital Assets Regulation EGRPRA Review Federal Reserve Master Accounts Flood Insurance Fraud and Scams Industrial Loan Company Charter Policy Minority Depository Institutions Mutual Bank Capital Certificates National Trust Bank Charter Rules and Applications Regulatory Relief Stablecoin Regulation To authorize the FDIC and NCUA to establish emergency transaction account guarantee programs, and for other purposes To require the FDIC and NCUA to carry out an analysis to determine whether insurance coverage should be raised on covered transaction accounts, and for other purposes The Growing Deposit Insurance for the Future Act

Client expense: $890,000 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), Executive Office of the President (EOP), 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, White House Office

Issues related to trademark protection. S.1367/H.R.2794 - NO FAKES Act of 2025. S.2677/H.R.4930 - A bill to expand the sharing of information with respect to suspected violations of intellectual property rights in trade. S.2612 - SAFE Act as it relates to provisions of the Tariff Act of 1930. Monitor issues related to Preventing Abuse of Digital Replicas Act (PADRA) [Legislation not yet introduced]. Monitor No Stolen Trademarks Honored in America Act [Legislation not yet introduced]. Monitor S.3774/H.R.7548 - Safeguarding Consumers from Advertising Misconduct (SCAM) Act. Counterfeit Imports.

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

Government targets: Commerce, Dept of (DOC), Executive Office of the President (EOP), Federal Trade Commission (FTC), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Intl Trade Administration (ITA), Justice, Dept of (DOJ), Patent & Trademark Office (PTO), SENATE, State, Dept of (DOS), Treasury, Dept of, U.S. Copyright Office, U.S. Customs & Border Protection, U.S. International Trade Commission (ITC), U.S. Trade Representative (USTR)