Protecting Children From Identity Theft Act

S. 2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act (entire bill, including implementation and Social Security Administration to modernize verification system,); H.R. 5192/S. 2498 the Protecting Children from Identity Theft Act (entire bill); H.R. 1 "Tax Cuts and Jobs Act" (issues related to net operating loss carryback provision); Issues relating to the Consumer Financial Protection Bureau (no bill); Issues relating to the Financial Stability Oversight Council; Issues relating to the Federal Accounting Standards Board's Current Expected Credit Loss (CECL) standards (no bill); Issues relating to the Community Reinvestment Act reform (no bill); Issues related to privacy (no bill);

Client expense: $330,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues relating to the Consumer Financial Protection Bureau (no bill); S. 2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act (entire bill, including issues related to banking regulatory relief and Synthetic Identity Fraud); H.R. 5192/S. 2498 the Protecting Children from Identity Theft Act (entire bill); Issues relating to the Federal Accounting Standards Board's Current Expected Credit Loss (CECL) standards (no bill); Issues relating to the Financial Stability Oversight Council (no bill); Issues relating to the Community Reinvestment Act reform (no bill); FCC interpretations of the Telephone Consumer Protection Act (no bill);

Client expense: $330,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to banking regulatory reform: HR 3312 - Systemic Risk Designation Improvement Act of 2017 HR 10 - Financial CHOICE Act of 2017 HR 1116 - Tailor Act of 2017 HR 5192 & S 2498 - Protecting Children from Identity Theft Act HR 6068 - Counter Terrorism & Illicit Finance Act HR 1635 - Empowering Students Through Enhanced Financial Counseling Act of 2018 HR 6972 - To Require the CFPB to meet its Statutory Purpose, and Other Purposes 2018 S 366 - Tailor Act of 2017 S 1893 - Systemic Risk Designation Improvement Act of 2017 S 2155 - Economic Growth, Regulatory Relief, and Consumer Protection Act S 2755 - Postal Banking Act S 3744 - Schatz Data Care Act Issues relating to Current Expected Credit Loss (CECL) - no bill number

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

Government targets: Federal Deposit Insurance Corporation (FDIC), HOUSE OF REPRESENTATIVES, Natl Economic Council (NEC), SENATE

Advanced approaches, capital and liquidity requirements, lending products and the Consumer Financial Protection Bureau including the following legislation: FY 2019, House Financial Services and General Government Appropriations bill (H.R. 3280, S. 3107); data and privacy security; Systematic Risk Designation Improvement Act of 2017 (H.R. 3312, S. 1893); Economic Growth, Regulatory Relief and Consumer Protection Act (S. 2155); Protecting Children from Identity Theft Act (H.R. 5192, S. 2498); Counter Terrorism and Illicit Finance Act (H.R. 6068)

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 10, Financial CHOICE Act of 2017 H.R. 21/S. 34, Midnight Rules Relief Act of 2017 H.R. 78, SEC Regulatory Accountability Act H.R. 79/S. 588, Helping Angels Lead Our Startups (HALOS) Act H.R. 238, Commodity End-User Relief Act H.R. 477, Small Business Mergers, Acquisitions, Sales, and Brokerage Simplification Act of 2017 H.R. 1116, Taking Account of Institutions with Low Operation Risk (TAILOR) Act of 2017 H.R. 1153, Mortgage Choice Act of 2017 H.R. 1219/S. 444, Supporting America's Innovators Act of 2017 H.R. 1257, Securities and Exchange Commission Overpayment Credit Act H.R. 1312/S. 416, Small Business Capital Formation Enhancement Act H.R. 1343, Encouraging Employee Ownership Act of 2017 H.R. 1457, Making Online Banking Initiation Legal and Easy (MOBILE) Act of 2017 H.R. 1585, Fair Investment Opportunities for Professional Experts Act H.R. 1611, Gender Diversity in Corporate Leadership Act of 2017 H.R. 1645/S. 2126, Fostering Innovation Act of 2017 H.R. 1702, Small Business Development Centers Improvement Act of 2018 H.R. 2128, Due Process Restoration Act of 2017 H.R. 2201, Micro Offering Safe Harbor Act H.R. 2226/S. 2013, Portfolio Lending and Mortgage Access Act H.R. 2396, Privacy Notification Technical Clarification Act H.R. 2553, Taking Account of Bureaucrats Spending (TABS) Act of 2017 H.R. 2706, Financial Institution Customer Protection Act of 2017 H.R. 3089, Corporate Transparency Act of 2017 H.R. 3093, Investor Clarity and Bank Parity Act H.R. 3110, Financial Stability Oversight Council Insurance Member Continuity Act H.R. 3179, Transparency and Accountability for Business Standards Act H.R. 3299, Protecting Consumers' Access to Credit Act of 2017 H.R. 3312/S. 1893, Systemic Risk Designation Improvement Act of 2017 H.R. 3746/S. 2702, Business of Insurance Regulatory Reform Act of 2017 H.R. 3762, International Insurance Standards Act of 2017 H.R. 3857, Protecting Advice for Small Savers (PASS) Act of 2017 H.R. 3860, IRS Data Verification Modernization Act of 2017 H.R. 3903/S. 2347, Encouraging Public Offerings Act of 2017 H.R. 3911, Risk-Based Credit Examination Act H.R. 3948, Protection of Source Code Act H.R. 3972, Family Office Technical Correction Act of 2017 H.R. 3973, Market Data Protection Act of 2017 H.R. 3978, TRID Improvement Act of 2017 H.R. 4015, Corporate Governance Reform and Transparency Act of 2017 H.R. 4061, Financial Stability Oversight Council Improvement Act of 2017 H.R. 4248, To amend the Securities Exchange Act of 1934 to repeal certain disclosure requirements related to conflict minerals, and for other purposes H.R. 4263, Regulation A+ Improvement Act of 2017 H.R. 4267, Small Business Credit Availability Act H.R. 4279, Expanding Investment Opportunities Act H.R. 4281/S. 2953, Expanding Access to Capital for Rural Job Creators Act H.R. 4289, To amend the Dodd-Frank Wall Street Reform and Consumer Protection Act to repeal certain disclosure requirements related to coal and mine safety H.R. 4292, Financial Institution Living Will Improvement Act of 2017 H.R. 4293, Stress Test Improvement Act of 2017 H.R. 4294, Prevention of Private Information Dissemination Act of 2017 H.R. 4296, To place requirements on operational risk capital requirements for banking organizations established by an appropriate Federal banking agency H.R. 4311, Foreign Investment Risk Review Modernization Act of 2017 H.R. 4519, To amend the Securities Exchange Act of 1934 to repeal certain disclosure requirements related to resource extraction, and for other purposes H.R. 4529, Accelerating Access to Capital Act of 2017 H.R. 4537, International Insurance Standards Act of 2017 H.R. 4545, Financial Institutions Examination Fairness and Reform Act H.R. 4550, Practice of Law Technical Clarification Act of 2017 H.R. 4566, Alleviating Stress Test Burdens to Help Investors Act H.R. 4607, Comprehensive Regulatory Review Act H.R. 4659, To require the appropriate Federal banking agencies to recognize the exposure-reducing nature of client margin for cleared derivatives H.R. 4753, Federal Reserve Supervision Testimony Clarification Act H.R. 4771, Small Bank Holding Company Relief Act of 2018 H.R. 4790, Volcker Rule Regulatory Harmonization Act H.R. 4861, Ensuring Quality Unbiased Access to Loans (EQUAL) Act of 2018 H.R. 5036, Financial Technology Protection Act H.R. 5051, Public Company Registration Threshold Act H.R. 5054, Small Company Disclosure Simplification Act of 2018 H.R. 5059, State Insurance Regulation Preservation Act H.R. 5105/S. 2436, Better Utilization of Investments Leading to Development (BUILD) Act of 2018 H.R. 5192/S. 2498, Protecting Children from Identity Theft Act H.R. 5266, Financial Product Safety Commission Act of 2018 H.R. 5323, Derivatives Fairness Act H.R. 5534, Give Useful Information to Define Effective (GUIDE) Compliance Act H.R. 5645, Standard Merger and Acquisition Reviews Through Equal Rules Act of 2018 H.R. 5749, Options Markets Stability Act H.R. 5756, To require the Securities and Exchange Commission to adjust certain resubmission thresholds for shareholder proposals H.R. 5783, Cooperate with Law Enforcement Agencies and Watch Act of 2018 H.R. 5877, Main Street Growth Act H.R. 5970, Simplifying Disclosures for Investors Act H.R. 5999, Streamlining Communications for Investors Act H.R. 6021, Small Business Audit Correction Act of 2018 H.R. 6035, Streamlining Communications for Investors Act H.R. 6068, Counter Terrorism and Illicit Finance Act H.R. 6130, Helping Startups Continue to Grow Act H.R. 6139, Improving Investment Research for Small and Emerging Issuers Act H.R. 6158, Brokered Deposit Affiliate-Subsidiary Modernization Act of 2018 H.R. 6177, Developing and Empowering our Aspiring Leaders Act of 2018 H.R. 6319, Expanding Investment in Small Businesses Act H.R. 6320, Promoting Transparent Standards for Corporate Insiders Act H.R. 6321, Investment Adviser Regulatory Flexibility Improvement Act H.R. 6322, Enhancing Multi-Class Stock Disclosures Act H.R. 6324, Middle Market IPO Underwriting Cost Act S. 366, Taking Account of Institutions with Low Operation Risk (TAILOR) Act of 2017 S. 462, Securities and Exchange Commission Overpayment Credit Act S. 488, JOBS and Investor Confidence Act of 2018 S. 536, Cybersecurity Disclosure Act of 2017 S. 1117, Consumer Financial Choice and Capital Markets Protection Act of 2017 S. 1241, Combating Money Laundering, Terrorist Financing, and Counterfeiting Act of 2017 S. 1454, True Incorporation Transparency for Law Enforcement (TITLE) Act S. 1463, Financial Stability Oversight Council Insurance Member Continuity Act S. 1717, Corporate Transparency Act of 2017 S. 1744, Brokaw Act S. 2098, Foreign Investment Risk Review Modernization Act of 2017 S. 2155, Economic Growth, Regulatory Relief, and Consumer Protection Act S. 2499, A bill to require the Financial Industry Regulatory Authority to establish a relief fund to provide investors with the full value of unpaid arbitration awards issued against brokerage firms or brokers regulated by the Authority S. 2756, Fair Investment Opportunities for Professional Experts Act S. 2765, RBIC Advisers Relief Act of 2018 S. 3004, Small Business Audit Correction Act of 2018 S. 3421, Blue Sky Harmonization Act S. J. Res. 57, A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Indirect Auto Lending and Compliance with the Equal Credit Opportunity Act" Draft legislation titled Credit Services Protection Act of 2017 Draft legislation titled Counter Terrorism and Illicit Finance Act Draft legislation titled Data Acquisition and Technology Accountability and Security Act Draft legislation directing the Securities and Exchange Commission to increase and align the smaller reporting company and nonaccelerated filer financial thresholds Draft legislation to remove the limitation on large accelerated filers qualifying as an emerging growth company Draft legislation to require the Securities and Exchange Commission to revise the definition of a qualifying portfolio company to include an emerging growth company, for purposes of the exemption from registration for venture capital fund advisers under the Investment Advisers Act of 1940 Draft legislation to amend the Investment Company Act of 1940 to increase the percentage of voting shares a diversified company may hold in a single issuer Potential legislation similar to H.R. 1090, Retail Investor Protection Act (114th Cong.) Potential legislation similar to H.R. 4294, Strengthening Access to Valuable Education and Retirement Support (SAVERS) Act of 2015 Proposed regulations on universal proxy (81 Fed. Reg. 79,122-79,186, November 10, 2016) Proposed rule on auditor independence with respect to certain loans or debtor-creditor relationships (83 Fed. Reg. 20,753-20,773, May 8, 2018) Proposed regulation on Regulation Best Interest (83 Fed. Reg. 21,574-21,682, May 9, 2018) Proposed Commission interpretation regarding standard of conduct for investment advisers; request for comment on enhancing investment (83 Fed. Reg. 21,203-21,214, May 9, 2018) Proposed rule on form CRS relationship summary; amendments to form ADV; required disclosures in retail communications and restrictions on the use of certain names or titles (83 Fed. Reg. 21,416-21,575, May 9, 2018) Federal Reserve and the Office of the Comptroller of the Currency; Joint Notice of Proposed Rulemaking: Regulatory Capital Rules: Regulatory Capital, Enhanced Supplementary Leverage Ratio Standards for U.S. Global Systemically Important Bank Holding Companies and Certain of Their Subsidiary Insured Depository Institutions; Total Loss-Absorbing Capacity Requirements for U.S. Global Systemically Important Bank Holding Companies; Federal Reserve System Docket No. R-1604 and OCC Docket ID OCC-2018-0002 Nomination of Kathleen Kraninger to serve as Director of the Bureau of Consumer Financial Protection Nomination of Elad Roisman to serve as a Commissioner of the Securities and Exchange Commission Nomination of Dr. Dino Falaschetti to serve as Director of the Office of Financial Research Nomination of Jelena McWilliams to be Chair of the Federal Deposit Insurance Corporation Nomination of Kimberly Reed to serve as President of the Export-Import Bank of the United States (Ex-Im) Various issues relating to the implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act (P.L. 111-203); implementation of the Jumpstart Our Business Startups Act (P.L. 112-106); implementation of the Economic Growth, Regulatory Relief, and Consumer Protection Act (P.L. 115-174, section 215); Executive Order 13772, Core Principles for Regulating the United States Financial System; Presidential Memorandum for the Secretary of the Treasury regarding Orderly Liquidation Authority; Basel III capital standards, bank capital, and liquidity reform; Consumer Financial Protection Bureau (CFPB) transparency and accountability; CFPB regulatory sandbox for disclosures; CFPB consumer complaint database; CFPB reform; anti-money laundering and Bank Secrecy Act (P.L. 91-508) improvements; political spending disclosures; systemic risk regulation and Financial Stability Oversight Council (FSOC) designation of non-bank financial companies; Financial Stability Oversight Council (FSOC) reform; Department of Treasury review of FSOC determination and designation process; Federal Reserve: Enhanced Disclosure of the Models Used in the Federal Reserves Supervisory Stress Test, Docket No. OP-1586; Stress Testing Policy Statement, Docket No. OP-1587; Policy Statement on the Scenario Design Framework for Stress Testing, Docket No. OP-1588; Office of Financial Research transparency and accountability; reform of international standard setting bodies including Financial Stability Board, International Association of Insurance Supervisors and Basel Committee on Banking Supervision; Federal Reserve reform; Federal Reserve proposed guidance on supervisory expectation for boards of directors 2017-16735; proxy voting systems; Security Exchange Commission strategic plan; Security Exchange Commission Rule 701 Form S-8 reforms; Security Exchange Commission conflict mineral rule; Security Exchange Commission pay ratio rule; Security Exchange Commission Advisory Committee on Small and Emerging Companies; Security Exchange Commission request for information regarding standards of conduct for investment advisors and broker-dealers; Security Exchange Commission staff legal bulletin 141 (CF) shareholder proposals; Security Exchange Commission FAST Act (P.L. 114-94) modernization and simplification of regulations S-K file no. S7-08-17; Security Exchange Commission amendments to the Commissioners whistleblower rules file no. S7-16-18; Security Exchange Commission auditor independence with respect to certain loans or debtor-creditor relationships file no. S7-10-18; Security Exchange Commission Staff Legal Bulletin 20 Proxy Voting: Proxy Voting Responsibilities of Investment Advisers and Availability of Exemptions from the Proxy Rules for Proxy Advisory Firms; Security Exchange Commission proposal on the use of derivatives by registered investment companies and business development companies; Security Exchange Commission standards of conduct for investment advisers and broker-dealers; Public Company Accounting Oversight Board (PCAOB), including draft strategic plan for 2018-2022; Federal Trade Commission competition and consumer protection in the 21st century hearings regarding common ownership; disclosure requirements and materiality; JOBS Act 3.0; potential legislation to create legal framework for venture exchange; credit bureau issues; tailoring bank rules to reduce the burden on small, midsize, and regional banks; beneficial ownership; reforms to the Committee on Foreign Investment in the United States; modernization of the Community Reinvestment Act (P.L. 95-128); application of Customer Identification Program requirements under anti-money laundering rules to bank-affiliated premium finance companies; application of the May 2016 Customer Due Diligence Rule to routine cash refunds issued by bank-affiliated premium finance companies; proposals to audit the Board of Governors of the Federal Reserve System; small business lending; consolidated asset thresholds related to the Advanced Approaches capital framework, the net stable fund ratio rule, and the liquidity coverage ratio rule; impact of prudential regulations on lending to small businesses by depository institutions; testimony by the Vice Chairman for Supervision, Federal Reserve Board, to the House Committee on Financial Services and the Senate Committee on Banking, Housing, and Urban Affairs; CFTC Proposed rulemaking on the De Minimis Exception to the Swap Dealer Definition; HUD proposed rulemaking regarding implementation of the Fair Housing Acts Disparate Impact Standard; Federal Trade Commission concerning Common Ownership; SEC proposed amendments to the Commissions Whistleblower Program rules; blockchain and fintech

H.R. 6022, Accurate Labels Act S. 2498, Protecting Children From Identity Theft Act Nomination of Ann Marie Buerkle to be Chair of the Consumer Product Safety Commission Nomination of Dana Baiocco to be Commissioner of the Consumer Product Safety Commission

Client expense: $17,560,000 · Firm income: Not reported

Government targets: Agency for Toxic Substances & Disease Registry, Agriculture, Dept of (USDA), Army, Dept of (Corps of Engineers), Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Consumer Financial Protection Bureau (CFPB), Council on Environmental Quality (CEQ), Defense, Dept of (DOD), Education, Dept of, Energy, Dept of, Environmental Protection Agency (EPA), Equal Employment Opportunity Commission (EEOC), Executive Office of the President (EOP), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Energy Regulatory Commission (FERC), Federal Reserve System, Federal Trade Commission (FTC), General Services Administration (GSA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Interior, Dept of (DOI), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Economic Council (NEC), Natl Labor Relations Board (NLRB), Natl Security Council (NSC), Natl Telecommunications & Information Administration (NTIA), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), Office of the Vice President of the United States, Patent & Trademark Office (PTO), Pension Benefit Guaranty Corporation (PBGC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Social Security Administration (SSA), State, Dept of (DOS), Transportation Security Administration (TSA), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Copyright Office, U.S. Customs & Border Protection, U.S. Fish & Wildlife Service (USFWS), U.S. Trade Representative (USTR), White House Office

Issues relating to interchange fees on electronic payments Issues relating to prepaid card products Issues relating to financial literacy and financial inclusion Issues relating to innovation in the payments industry Issues relating to payment card security and data security standards Issues relating to financial regulatory reform Implementation of Public Law 115-174, Economic Growth, Regulatory Relief, and Consumer Protection Act, provisions related to regulatory reform and identity theft prevention H.R. 4028, PROTECT Act of 2017, provisions relating to oversight of credit reporting agencies Draft data security legislation, provisions relating to data security regulations S. 2498, Protecting Children From Identity Theft Act, provisions relating to verifying social security numbers H.R. 5192, Protecting Children from Identity Theft Act, provisions relating to verifying social security numbers H.R. 6743, the Consumer Information Notification Requirement Act

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

HJRes 111 - CFPB Arbitration Rule HJRes 62 - CFPB Prepaid Rule HJRes 73 - CFPB Prepaid Rule HR 10 - The Financial CHOICE Act of 2017 HR 1116 - Tipton - TAILOR Act HR 1153 - Mortgage Choice Act of 2017 HR 1457 - MOBILE Act of 2017 HR 2133 - CLEARR Act of 2017 HR 2148 - Pittenger - HVCRE clarifications HR 238 - Commodity End-User Relief Act HR 3280 - House FSGG Appropriations 2018 HR 3299 - McHenry - Valid When Made Bill HR 3312 - Luetkemeyer - SIFI Threshold Bill HR 3857 - Wagner - PASS Act (DOL Fiduciary repeal and replace bill) HR 3860 - IRS Tax Transcript Access HR1813 - Border Wall Funding Act of 2017 S. 1002 - CLEAR Act S. 105 - Consumer Financial Protection Board Act of 2017 S. 223 - Senior$afe Act of 2017 S. 366 - TAILOR Act of 2017 SJRes 19 - CFPB Prepaid Rule SJRes 47 - CFPB Arbitration Rule S. 1893 - Bank SIFI Threshold S. 2155 - Economic Growth, Regulatory Relief, and Consumer Protection Act H.J.Res.122 - Resolution of Disapproval CFPB Payday Lending Rule HR 1 - Tax Cuts and Jobs Act H.R. 2148 - Clarifying Commercial Real Estate Loans S. 2405 - Clarifying Commercial Real Estate Loans S. 2498, the Protecting Children From Identity Theft Act H.R. 5192, the Protecting Children From Identity Theft Act H.R. 5266 - CFPB Commission HR 3354 / HR 238 - Interaffilite Swap Provisions S. 1642 - Valid When Made S. 1958 - Tax Transcripts S. 2854 - The MOBILE Act HR 6068 - BSA/AML Reform HR 4790 - Volcker Harmonization S. 2098 - FIRRMA HR 6258 / S. 3107 - FSGG Appropriations 2019 (swaps & Volcker issues) H.R.5961 Agriculture Appropriations Act, 2019 HR 6158 - Brokered Deposits

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

Issues related to banking regulatory reform: HR 3312 - Systemic Risk Designation Improvement Act of 2017 HR 10 - Financial CHOICE Act of 2017 HR 1116 - Tailor Act of 2017 HR 5192 & S 2498 - Protecting Children from Identity Theft Act HR 6068 - Counter Terrorism & Illicit Finance Act HR 1635 - Empowering Students Through Enhanced Financial Counseling Act of 2018 HR 6972 - To Require the CFPB to meet its Statutory Purpose, and Other Purposes 2018 S 366 - Tailor Act of 2017 S 1893 - Systemic Risk Designation Improvement Act of 2017 S 2155 - Economic Growth, Regulatory Relief, and Consumer Protection Act S 2755 - Postal Banking Act

Client expense: $430,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S. 2155, The Economic Growth, Regulatory Relief, and Consumer Protection Act (entire bill, including issues related to banking regulatory relief and child identity theft); H.R. 5192/S. 2498, The Protecting Children from Identity Theft Act (entire bill); Issues relating to the Consumer Financial Protection Bureau (no bill); Issues relating to the Federal Accounting Standards Board's Current Expected Credit Loss (CECL) standards (no bill)

Client expense: $250,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 5192, S. 2498, The Protecting Children from Identity Theft Act (entire bill); S. 2155, The Economic Growth, Regulatory Relief, and Consumer Protection Act (entire bill, including issues related to banking regulatory relief and child identity theft); Issues relating to the Consumer Financial Protection Bureau (no bill)

Client expense: $250,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Dodd-Frank Act implementation issues; Capital issues; Issues related to harmonization of cybersecurity regulations; Issues related to OCC/CFPB/City of Los Angeles settlements regarding sales practices; Issues related to interchange fees for electronic payments; Issues related to implementation and delay of the Department of Labors fiduciary rule; Issues pertaining to reauthorization of the National Flood Insurance Program including H.R.1422, Private Flood Insurance Market Development Act of 2017 and S.563, the Flood Insurance Market Parity and Modernization Act; Issues related to lender-placed auto insurance; S. 2155, Economic Growth, Regulatory Relief, and Consumer Protection Act, all provisions; S. 2498, Protecting Children from Identity Theft Act, all provisions.

Client expense: $860,000 · Firm income: Not reported

HJRes 111 - CFPB Arbitration Rule HJRes 62 - CFPB Prepaid Rule HJRes 73 - CFPB Prepaid Rule HR 10 - The Financial CHOICE Act of 2017 HR 1116 - Tipton - TAILOR Act HR 1153 - Mortgage Choice Act of 2017 HR 1457 - MOBILE Act of 2017 HR 2133 - CLEARR Act of 2017 HR 2148 - Pittenger - HVCRE clarifications HR 238 - Commodity End-User Relief Act HR 3280 - House FSGG Appropriations 2018 HR 3299 - McHenry - Valid When Made Bill HR 3312 - Luetkemeyer - SIFI Threshold Bill HR 3857 - Wagner - PASS Act (DOL Fiduciary repeal and replace bill) HR 3860 - IRS Tax Transcript Access HR1813 - Border Wall Funding Act of 2017 S. 1002 - CLEAR Act S. 105 - Consumer Financial Protection Board Act of 2017 S. 223 - Senior$afe Act of 2017 S. 366 - TAILOR Act of 2017 SJRes 19 - CFPB Prepaid Rule SJRes 47 - CFPB Arbitration Rule S. 1893 - Bank SIFI Threshold S. 2155 - Economic Growth, Regulatory Relief, and Consumer Protection Act H.J.Res.122 - Resolution of Disapproval CFPB Payday Lending Rule HR 1 - Tax Cuts and Jobs Act H.R. 2148 - Clarifying Commercial Real Estate Loans S. 2405 - Clarifying Commercial Real Estate Loans S. 2498, the Protecting Children From Identity Theft Act H.R. 5192, the Protecting Children From Identity Theft Act H.R. 5266 - CFPB Commission HR 3354 / HR 238 - Interaffilite Swap Provisions S. 1642 - Valid When Made S. 1958 - Tax Transcripts S. 2854 - The MOBILE Act HR 6068 - BSA/AML Reform HR 4790 - Volcker Harmonization S. 2098 - FIRRMA HR 6258 / S. 3107 - FSGG Appropriations 2019 (swaps & Volcker issues) H.R.5961 Agriculture Appropriations Act, 2019 HR 6158 - Brokered Deposits

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

Issues related to: Tax Reform; H.R. 1, Tax Cuts and Jobs Act; H.R. 5192, Protecting Children from Identify Theft Act; and S. 2498, Protecting Children from Identity Theft Act

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

Government targets: Consumer Financial Protection Bureau (CFPB), Federal Emergency Management Agency (FEMA), 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

Advanced approaches, capital and liquidity requirements, lending products and the Consumer Financial Protection Bureau including the following legislation: FY 2019, House Financial Services and General Government Appropriations bill; data and privacy security; Systematic Risk Designation Improvement Act of 2017 (H.R. 3312, S. 1893); Economic Growth, Regulatory Relief and Consumer Protection Act (S. 2155); Protecting Children from Identity Theft Act (H.R. 5192, S. 2498); Counter Terrorism and Illicit Finance Act (H.R. 6068)

Client expense: $380,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S. 2155, The Economic Growth, Regulatory Relief, and Consumer Protection Act (entire bill, including issues related to banking regulatory relief); H.R. 5192/S. 2498, The Protecting Children from Identity Theft Act (entire bill); Issues relating to the Consumer Financial Protection Bureau

Client expense: $210,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 5192, S. 2498, The Protecting Children from Identity Theft Act (entire bill); S. 2155, The Economic Growth, Regulatory Relief, and Consumer Protection Act (section 215, reducing identity fraud); Issues relating to the Consumer Financial Protection Bureau (no bill); Issues relating to promotional financing (no bill)

Client expense: $210,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 6022/S. 3019, Accurate Labels Act S. 2498, Protecting Children From Identity Theft Act Nomination of Ann Marie Buerkle to be Chair of the Consumer Product Safety Commission Nomination of Dana Baiocco to be Commissioner of the Consumer Product Safety Commission

Client expense: $15,190,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Consumer Financial Protection Bureau (CFPB), Defense, Dept of (DOD), Education, Dept of, Energy, Dept of, Environmental Protection Agency (EPA), Equal Employment Opportunity Commission (EEOC), Executive Office of the President (EOP), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Energy Regulatory Commission (FERC), Federal Reserve System, Federal Trade Commission (FTC), General Services Administration (GSA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Economic Council (NEC), Natl Labor Relations Board (NLRB), Natl Security Council (NSC), Natl Telecommunications & Information Administration (NTIA), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), Patent & Trademark Office (PTO), Pension Benefit Guaranty Corporation (PBGC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), State, Dept of (DOS), Transportation Security Administration (TSA), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Copyright Office, U.S. Customs & Border Protection, U.S. Trade Representative (USTR), Vice President of the U.S., White House Office

H.R. 10, Financial CHOICE Act of 2017 H.R. 21/S. 34, Midnight Rules Relief Act of 2017 H.R. 78, SEC Regulatory Accountability Act H.R. 79/S. 588, Helping Angels Lead Our Startups (HALOS) Act H.R. 238, Commodity End-User Relief Act H.R. 477, Small Business Mergers, Acquisitions, Sales, and Brokerage Simplification Act of 2017 H.R. 1116, Taking Account of Institutions with Low Operation Risk (TAILOR) Act of 2017 H.R. 1153, Mortgage Choice Act of 2017 H.R. 1219/S. 444, Supporting America's Innovators Act of 2017 H.R. 1257, Securities and Exchange Commission Overpayment Credit Act H.R. 1312/S. 416, Small Business Capital Formation Enhancement Act H.R. 1343, Encouraging Employee Ownership Act of 2017 H.R. 1457, Making Online Banking Initiation Legal and Easy (MOBILE) Act of 2017 H.R. 1585, Fair Investment Opportunities for Professional Experts Act H.R. 1611, Gender Diversity in Corporate Leadership Act of 2017 H.R. 1645/S. 2126, Fostering Innovation Act of 2017 H.R. 1702, Small Business Development Centers Improvement Act of 2018 H.R. 2201, Micro Offering Safe Harbor Act H.R. 2226/S. 2013, Portfolio Lending and Mortgage Access Act H.R. 2396, Privacy Notification Technical Clarification Act H.R. 2553, Taking Account of Bureaucrats Spending (TABS) Act of 2017 H.R. 2706, Financial Institution Customer Protection Act of 2017 H.R. 3089, Corporate Transparency Act of 2017 H.R. 3093, Investor Clarity and Bank Parity Act H.R. 3110, Financial Stability Oversight Council Insurance Member Continuity Act H.R. 3179, Transparency and Accountability for Business Standards Act H.R. 3299, Protecting Consumers' Access to Credit Act of 2017 H.R. 3312/S. 1893, Systemic Risk Designation Improvement Act of 2017 H.R. 3746/S. 2702, Business of Insurance Regulatory Reform Act of 2017 H.R. 3762, International Insurance Standards Act of 2017 H.R. 3857, Protecting Advice for Small Savers (PASS) Act of 2017 H.R. 3860, IRS Data Verification Modernization Act of 2017 H.R. 3903/S. 2347, Encouraging Public Offerings Act of 2017 H.R. 3911, Risk-Based Credit Examination Act H.R. 3948, Protection of Source Code Act H.R. 3972, Family Office Technical Correction Act of 2017 H.R. 3973, Market Data Protection Act of 2017 H.R. 3978, TRID Improvement Act of 2017 H.R. 4015, Corporate Governance Reform and Transparency Act of 2017 H.R. 4028/S. 1982, Promoting Responsible Oversight of Transactions and Examinations of Credit Technology (PROTECT) Act of 2017 H.R. 4061, Financial Stability Oversight Council Improvement Act of 2017 H.R. 4248, To amend the Securities Exchange Act of 1934 to repeal certain disclosure requirements related to conflict minerals, and for other purposes H.R. 4263, Regulation A+ Improvement Act of 2017 H.R. 4267, Small Business Credit Availability Act H.R. 4279, Expanding Investment Opportunities Act H.R. 4281/S. 2953, Expanding Access to Capital for Rural Job Creators Act H.R. 4289, To amend the Dodd-Frank Wall Street Reform and Consumer Protection Act to repeal certain disclosure requirements related to coal and mine safety H.R. 4292, Financial Institution Living Will Improvement Act of 2017 H.R. 4293, Stress Test Improvement Act of 2017 H.R. 4294, Prevention of Private Information Dissemination Act of 2017 H.R. 4296, To place requirements on operational risk capital requirements for banking organizations established by an appropriate Federal banking agency H.R. 4311, Foreign Investment Risk Review Modernization Act of 2017 H.R. 4519, To amend the Securities Exchange Act of 1934 to repeal certain disclosure requirements related to resource extraction, and for other purposes H.R. 4529, Accelerating Access to Capital Act of 2017 H.R. 4537, International Insurance Standards Act of 2017 H.R. 4545, Financial Institutions Examination Fairness and Reform Act H.R. 4550, Practice of Law Technical Clarification Act of 2017 H.R. 4566, Alleviating Stress Test Burdens to Help Investors Act H.R. 4607, Comprehensive Regulatory Review Act H.R. 4659, To require the appropriate Federal banking agencies to recognize the exposure-reducing nature of client margin for cleared derivatives H.R. 4771, Small Bank Holding Company Relief Act of 2018 H.R. 4790, Volcker Rule Regulatory Harmonization Act H.R. 4861, Ensuring Quality Unbiased Access to Loans (EQUAL) Act of 2018 H.R. 5051, Public Company Registration Threshold Act H.R. 5054, Small Company Disclosure Simplification Act of 2018 H.R. 5059, State Insurance Regulation Preservation Act H.R. 5105/S. 2436, Better Utilization of Investments Leading to Development (BUILD) Act of 2018 H.R. 5192/S. 2498, Protecting Children from Identity Theft Act H.R. 5266, Financial Product Safety Commission Act of 2018 H.R. 5323, Derivatives Fairness Act H.R. 5645, Standard Merger and Acquisition Reviews Through Equal Rules Act of 2018 H.R. 5749, Options Markets Stability Act H.R. 5756, To require the Securities and Exchange Commission to adjust certain resubmission thresholds for shareholder proposals H.R. 5783, Cooperate with Law Enforcement Agencies and Watch Act of 2018 H.R. 5877, Main Street Growth Act H.R. 5970, Simplifying Disclosures for Investors Act H.R. 5999, Streamlining Communications for Investors Act H.R. 6035, Streamlining Communications for Investors Act H.R. 6068, Counter Terrorism and Illicit Finance Act H.R. 6130, Helping Startups Continue to Grow Act H.R. 6139, Improving Investment Research for Small and Emerging Issuers Act S. 327, Fair Access to Investment Research Act of 2017 S. 366, Taking Account of Institutions with Low Operation Risk (TAILOR) Act of 2017 S. 462, Securities and Exchange Commission Overpayment Credit Act S. 488, Encouraging Employee Ownership Act S. 536, Cybersecurity Disclosure Act of 2017 S. 1117, Consumer Financial Choice and Capital Markets Protection Act of 2017 S. 1241, Combating Money Laundering, Terrorist Financing, and Counterfeiting Act of 2017 S. 1284, Community Bank Relief Act S. 1454, True Incorporation Transparency for Law Enforcement (TITLE) Act S. 1463, Financial Stability Oversight Council Insurance Member Continuity Act S. 1717, Corporate Transparency Act of 2017 S. 1744, Brokaw Act S. 2098, Foreign Investment Risk Review Modernization Act of 2017 S. 2155, Economic Growth, Regulatory Relief, and Consumer Protection Act S. 2282, Bankruptcy Venue Reform Act of 2018 S. 2499, A bill to require the Financial Industry Regulatory Authority to establish a relief fund to provide investors with the full value of unpaid arbitration awards issued against brokerage firms or brokers regulated by the Authority S. 2756, Fair Investment Opportunities for Professional Experts Act S. 2765, RBIC Advisers Relief Act of 2018 S. 3004, Small Business Audit Correction Act of 2018 S. J. Res. 57, A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Indirect Auto Lending and Compliance with the Equal Credit Opportunity Act" Draft legislation titled Credit Services Protection Act of 2017 Draft legislation titled Counter Terrorism and Illicit Finance Act Draft legislation titled Data Acquisition and Technology Accountability and Security Act Draft legislation directing the Securities and Exchange Commission to increase and align the smaller reporting company and nonaccelerated filer financial thresholds Draft legislation to remove the limitation on large accelerated filers qualifying as an emerging growth company Draft legislation to require the Securities and Exchange Commission to revise the definition of a qualifying portfolio company to include an emerging growth company, for purposes of the exemption from registration for venture capital fund advisers under the Investment Advisers Act of 1940 Draft legislation to amend the Investment Company Act of 1940 to increase the percentage of voting shares a diversified company may hold in a single issuer Potential legislation similar to H.R. 1090, Retail Investor Protection Act (114th Cong.) Potential legislation similar to H.R. 4294, Strengthening Access to Valuable Education and Retirement Support (SAVERS) Act of 2015 Final regulation on definition of the term "fiduciary"; conflict of interest rule--retirement investment advice (81 Fed. Reg. 20,945-21,002, April 8, 2016) Proposed regulations on universal proxy (81 Fed. Reg. 79,122-79,186, November 10, 2016) Joint advance notice of proposed rulemaking on enhanced cyber risk management standards (81 Fed. Reg. 74,315-74,326, October 26, 2016) Proposed rule on regulations Q and Y; risk-based capital and other regulatory requirements for activities of financial holding companies related to physical commodities and risk-based capital requirements for merchant banking investments (81 Fed. Reg. 67,220-67,239, September 30, 2016) Proposed regulation on Regulation Best Interest (83 Fed. Reg. 21,574-21,682, May 9, 2018) Proposed Commission interpretation regarding standard of conduct for investment advisers; request for comment on enhancing investment (83 Fed. Reg. 21,203-21,214, May 9, 2018) Proposed rule on form CRS relationship summary; amendments to form ADV; required disclosures in retail communications and restrictions on the use of certain names or titles (83 Fed. Reg. 21,416-21,575, May 9, 2018) Request for Information Regarding Bureau Civil Investigative Demands and Associated Processes (83 Fed. Reg. 3,686-3,687, January 26, 2018) Request for Information Regarding Bureau Rules and Practices for Adjudication Proceedings (83 Fed. Reg. 5,055-5,056, February 5, 2018) Request for Information Regarding Bureau Enforcement Processes (83 Fed. Reg. 5,999-6,000, February 12, 2018) Request for Information Regarding Bureau External Engagements (83 Fed. Reg. 8,247-8,249, February 26, 2018) Request for Information Regarding Bureau Public Reporting Practices of Consumer Complaint Information (83 Fed. Reg. 9,499-9,501, March 6, 2018) Request for Information Regarding Bureau Rulemaking Processes (83 Fed. Reg. 10,437-10,440, March 9, 2018) Request for Information Regarding the Bureaus Adopted Regulations and New Rulemaking Authorities (83 Fed. Reg. 12,286-12,289, March 21, 2018) Request for Information Regarding the Bureaus Inherited Regulations and Inherited Rulemaking Authorities (83 Fed. Reg. 12,881-12,883, March 26, 2018) Request for Information Regarding the Bureaus Supervision Program (83 Fed. Reg. 7,166-7,168, February 20, 2018) Federal Reserve and the Office of the Comptroller of the Currency; Joint Notice of Proposed Rulemaking: Regulatory Capital Rules: Regulatory Capital, Enhanced Supplementary Leverage Ratio Standards for U.S. Global Systemically Important Bank Holding Companies and Certain of Their Subsidiary Insured Depository Institutions; Total Loss-Absorbing Capacity Requirements for U.S. Global Systemically Important Bank Holding Companies; Federal Reserve System Docket No. R-1604 and OCC Docket ID OCC-2018-0002 Nomination of Governor Jerome Powell to serve as Chairman of the Board of Governors of the Federal Reserve System Nomination of Jelena McWilliams to be Chair of the Federal Deposit Insurance Corporation Various issues relating to the implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act (P.L. 111-203); implementation of the Jumpstart Our Business Startups Act (P.L. 112-106); Executive Order 13772, Core Principles for Regulating the United States Financial System; Presidential Memorandum for the Secretary of the Treasury regarding Orderly Liquidation Authority; Basel III capital standards, bank capital, and liquidity reform; Consumer Financial Protection Bureau (CFPB) transparency and accountability; CFPB consumer complaint database; CFPB reform; anti-money laundering and Bank Secrecy Act (P.L. 91-508) improvements; Notice of Stakeholder Consultations on Responsible Conflict Mineral Sourcing; Financial Industry Regulatory Authority (FINRA) engagement initiative; political spending disclosures; systemic risk regulation and Financial Stability Oversight Council (FSOC) designation of non-bank financial companies; Financial Stability Oversight Council (FSOC) reform; Department of Treasury review of FSOC determination and designation process; Federal Reserve: Enhanced Disclosure of the Models Used in the Federal Reserves Supervisory Stress Test, Docket No. OP-1586; Stress Testing Policy Statement, Docket No. OP-1587; Policy Statement on the Scenario Design Framework for Stress Testing, Docket No. OP-1588; Office of Financial Research transparency and accountability; reform of international standard setting bodies including Financial Stability Board, International Association of Insurance Supervisors and Basel Committee on Banking Supervision; Federal Reserve reform; Federal Reserve proposed guidance on supervisory expectation for boards of directors 2017-16735; proxy voting systems; Security Exchange Commission conflict mineral rule; Security Exchange Commission pay ratio rule; Security Exchange Commission Advisory Committee on Small and Emerging Companies; Security Exchange Commission request for information regarding standards of conduct for investment advisors and broker-dealers; Security Exchange Commission staff legal bulletin 141 (CF) shareholder proposals; Security Exchange Commission FAST Act (P.L. 114-94) modernization and simplification of regulations S-K file no. S7-08-17; disclosure requirements and materiality; JOBS Act 3.0; potential legislation to create legal framework for venture exchange; credit bureau issues; tailoring bank rules to reduce the burden on small, midsize, and regional banks; beneficial ownership; reforms to the Committee on Foreign Investment in the United States; modernization of the Community Reinvestment Act (P.L. 95-128); application of Customer Identification Program requirements under anti-money laundering rules to bank-affiliated premium finance companies; application of the May 2016 Customer Due Diligence Rule to routine cash refunds issued by bank-affiliated premium finance companies; proposals to audit the Board of Governors of the Federal Reserve System; small business lending; consolidated asset thresholds related to the Advanced Approaches capital framework, the net stable fund ratio rule, and the liquidity coverage ratio rule; impact of prudential regulations on lending to small businesses by depository institutions; testimony by the Vice Chairman for Supervision, Federal Reserve Board, to the House Committee on Financial Services and the Senate Committee on Banking, Housing, and Urban Affairs; blockchain and fintech

Issues related to banking regulatory reform: HR 3312 - Systemic Risk Designation Improvement Act of 2017 HR 10 - Financial CHOICE Act of 2017 HR 1116 - Tailor Act of 2017 HR 5192 & S 2498 - Protecting Children from Identity Theft Act HR 6068 - Counter Terrorism & Illicit Finance Act S 366 - Tailor Act of 2017 S 1893 - Systemic Risk Designation Improvement Act of 2017 S 2155 - Economic Growth, Regulatory Relief, and Consumer Protection Act S 2755 - Postal Banking Act

Client expense: $270,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues relating to interchange fees on electronic payments Issues relating to prepaid card products Issues relating to financial literacy and financial inclusion Issues relating to innovation in the payments industry Issues relating to payment card security and data security standards Issues relating to financial regulatory reform S. 2155, Economic Growth, Regulatory Relief, and Consumer Protection Act, provisions relating to financial regulatory reform H.R. 4028, PROTECT Act of 2017, provisions relating to oversight of credit reporting agencies Draft data security legislation, provisions relating to data security regulations S. 2498, Protecting Children From Identity Theft Act, provisions relating to verifying social security numbers H.R. 5192, Protecting Children from Identity Theft Act, provisions relating to verifying social security numbers

Client expense: $870,000 · Firm income: Not reported

Issues relating to interchange fees on electronic payments Issues relating to prepaid card products Issues relating to financial literacy and financial inclusion Issues relating to innovation in the payments industry Issues relating to payment card security and data security standards Issues relating to financial regulatory reform H.R. 10, the Financial Choice Act, provisions relating to financial regulatory reform S. 2155, Economic Growth, Regulatory Relief, and Consumer Protection Act, provisions relating to financial regulatory reform H.R. 4028, PROTECT Act of 2017, provisions relating to oversight of credit reporting agencies Draft data security legislation, provisions relating to data security regulations S. 2498, Protecting Children From Identity Theft Act, provisions relating to verifying social security numbers H.R. 5192, Protecting Children from Identity Theft Act, provisions relating to verifying social security numbers

Client expense: $1,200,000 · Firm income: Not reported

Advanced approaches, capital and liquidity requirements, lending products and the Consumer Financial Protection Bureau including the following legislation: Financial Services Innovation Act-creates a government-wide FinTech oversight regime; data and privacy security; The Financial CHOICE Act (H.R. 10); Financial Reform; Systematic Risk Designation Improvement Act of 2017 (H.R. 3312, S. 1893); Economic Growth, Regulatory Relief and Consumer Protection Act (S. 2155); Protecting Children from Identity Theft Act (H.R. 5192, S. 2498)

Client expense: $390,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Dodd-Frank Act implementation issues; Capital issues; Issues related to harmonization of cybersecurity regulations; Issues related to OCC/CFPB/City of Los Angeles settlements regarding sales practices; Issues related to interchange fees for electronic payments; Issues related to implementation and delay of the Department of Labors fiduciary rule; Issues pertaining to reauthorization of the National Flood Insurance Program including H.R.1422, Private Flood Insurance Market Development Act of 2017 and S.563, the Flood Insurance Market Parity and Modernization Act; Issues related to lender-placed auto insurance; S. 2155, Economic Growth, Regulatory Relief, and Consumer Protection Act, all provisions; S. 2498, Protecting Children from Identity Theft Act, all provisions.

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

HJRes 111 - CFPB Arbitration Rule HJRes 62 - CFPB Prepaid Rule HJRes 73 - CFPB Prepaid Rule HR 10 - The Financial CHOICE Act of 2017 HR 1116 - Tipton - TAILOR Act HR 1153 - Mortgage Choice Act of 2017 HR 1457 - MOBILE Act of 2017 HR 2133 - CLEARR Act of 2017 HR 2148 - Pittenger - HVCRE clarifications HR 238 - Commodity End-User Relief Act HR 3280 - House FSGG Appropriations 2018 HR 3299 - McHenry - Valid When Made Bill HR 3312 - Luetkemeyer - SIFI Threshold Bill HR 3857 - Wagner - PASS Act (DOL Fiduciary repeal and replace bill) HR 3860 - IRS Tax Transcript Access HR1813 - Border Wall Funding Act of 2017 S. 1002 - CLEAR Act S. 105 - Consumer Financial Protection Board Act of 2017 S. 223 - Senior$afe Act of 2017 S. 366 - TAILOR Act of 2017 SJRes 19 - CFPB Prepaid Rule SJRes 47 - CFPB Arbitration Rule S. 1893 - Bank SIFI Threshold S. 2155 - Economic Growth, Regulatory Relief, and Consumer Protection Act H.J.Res.122 - Resolution of Disapproval CFPB Payday Lending Rule HR 1 - Tax Cuts and Jobs Act H.R. 2148 - Clarifying Commercial Real Estate Loans S. 2405 - Clarifying Commercial Real Estate Loans S. 2498, the Protecting Children From Identity Theft Act H.R. 5192, the Protecting Children From Identity Theft Act H.R. 5266 - CFPB Commission HR 3354 / HR 238 - Interaffilite Swap Provisions S. 1642 - Valid When Made S. 1958 - Tax Transcripts

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

HJRes 111 - CFPB Arbitration Rule HJRes 62 - CFPB Prepaid Rule HJRes 73 - CFPB Prepaid Rule HR 10 - The Financial CHOICE Act of 2017 HR 1116 - Tipton - TAILOR Act HR 1153 - Mortgage Choice Act of 2017 HR 1457 - MOBILE Act of 2017 HR 2133 - CLEARR Act of 2017 HR 2148 - Pittenger - HVCRE clarifications HR 238 - Commodity End-User Relief Act HR 3280 - House FSGG Appropriations 2018 HR 3299 - McHenry - Valid When Made Bill HR 3312 - Luetkemeyer - SIFI Threshold Bill HR 3857 - Wagner - PASS Act (DOL Fiduciary repeal and replace bill) HR 3860 - IRS Tax Transcript Access HR1813 - Border Wall Funding Act of 2017 S. 1002 - CLEAR Act S. 105 - Consumer Financial Protection Board Act of 2017 S. 223 - Senior$afe Act of 2017 S. 366 - TAILOR Act of 2017 SJRes 19 - CFPB Prepaid Rule SJRes 47 - CFPB Arbitration Rule S. 1893 - Bank SIFI Threshold S. 2155 - Economic Growth, Regulatory Relief, and Consumer Protection Act H.J.Res.122 - Resolution of Disapproval CFPB Payday Lending Rule HR 1 - Tax Cuts and Jobs Act H.R. 2148 - Clarifying Commercial Real Estate Loans S. 2405 - Clarifying Commercial Real Estate Loans S. 2498, the Protecting Children From Identity Theft Act H.R. 5192, the Protecting Children From Identity Theft Act H.R. 5266 - CFPB Commission

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

Government targets: Commerce, Dept of (DOC), Consumer Financial Protection Bureau (CFPB), Federal Reserve System, HOUSE OF REPRESENTATIVES, Natl Economic Council (NEC), SENATE, Treasury, Dept of

Issues related to: Tax Reform; H.R. 1, Tax Cuts and Jobs Act; H.R. 5192, Protecting Children from Identify Theft Act; and S. 2498, Protecting Children from Identity Theft Act

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

Government targets: Consumer Financial Protection Bureau (CFPB), Federal Emergency Management Agency (FEMA), 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 generally related to merchant pricing and contract regulation Issues, including oversight and regulations, related to the Consumer Financial Protection Bureau (CFPB) Issues related to potential House and Senate legislation that may revise certain prudential bank regulations Issues related to Basel Liquidity and Advanced Approach Rules Issues generally related to Dodd-Frank reform measures Issues related to identity theft and the Social Security Administration S. 2155, Economic Growth, Regulatory Relief, and Consumer Protection Act, all provisions H.R. 3312, Systemic Risk Designation Improvement Act of 2017, all provisions H.R. 5192, Protecting Children from Identity Theft Act, provisions related to synthetic ID fraud S. 2498, Protecting Children From Identity Theft Act, provisions related to synthetic ID fraud

Client expense: $560,000 · Firm income: Not reported

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

H.R. 10, Financial CHOICE Act of 2017 H.R. 21/S. 34, Midnight Rules Relief Act of 2017 H.R. 78, SEC Regulatory Accountability Act H.R. 79, Helping Angels Lead Our Startups (HALOS) Act H.R. 238, Commodity End-User Relief Act H.R. 477, Small Business Mergers, Acquisitions, Sales, and Brokerage Simplification Act of 2017 H.R. 910/S. 327, Fair Access to Investment Research Act of 2017 H.R. 1116, Taking Account of Institutions with Low Operation Risk (TAILOR) Act of 2017 H.R. 1153, Mortgage Choice Act of 2017 H.R. 1219/S. 444, Supporting America's Innovators Act of 2017 H.R. 1257, Securities and Exchange Commission Overpayment Credit Act H.R. 1312/S. 416, Small Business Capital Formation Enhancement Act H.R. 1343, Encouraging Employee Ownership Act of 2017 H.R. 1457, Making Online Banking Initiation Legal and Easy (MOBILE) Act of 2017 H.R. 1585, Fair Investment Opportunities for Professional Experts Act H.R. 1611, Gender Diversity in Corporate Leadership Act of 2017 H.R. 1645, Fostering Innovation Act of 2017 H.R. 1849, Practice of Law Technical Clarification Act of 2017 H.R. 2201, Micro Offering Safe Harbor Act H.R. 2226/S. 2013, Portfolio Lending and Mortgage Access Act H.R. 2319, Consumer Financial Choice and Capital Markets Protection Act of 2017 H.R. 2396, Privacy Notification Technical Clarification Act H.R. 2553, Taking Account of Bureaucrats Spending (TABS) Act of 2017 H.R. 2706, Financial Institution Customer Protection Act of 2017 H.R. 3089, Corporate Transparency Act of 2017 H.R. 3093, Investor Clarity and Bank Parity Act H.R. 3110, Financial Stability Oversight Council Insurance Member Continuity Act H.R. 3179, Transparency and Accountability for Business Standards Act H.R. 3299, Protecting Consumers' Access to Credit Act of 2017 H.R. 3312/S. 1893, Systemic Risk Designation Improvement Act of 2017 H.R. 3746, Business of Insurance Regulatory Reform Act of 2017 H.R. 3762, International Insurance Standards Act of 2017 H.R. 3857, Protecting Advice for Small Savers (PASS) Act of 2017 H.R. 3860, IRS Data Verification Modernization Act of 2017 H.R. 3861, Federal Insurance Office Reform Act of 2017 H.R. 3903, Encouraging Public Offerings Act of 2017 H.R. 3911, Risk-Based Credit Examination Act H.R. 3948, Protection of Source Code Act H.R. 3972, Family Office Technical Correction Act of 2017 H.R. 3973, Market Data Protection Act of 2017 H.R. 3978, TRID Improvement Act of 2017 H.R. 4015, Corporate Governance Reform and Transparency Act of 2017 H.R. 4028/S. 1982, Promoting Responsible Oversight of Transactions and Examinations of Credit Technology (PROTECT) Act of 2017 H.R. 4061, Financial Stability Oversight Council Improvement Act of 2017 H.R. 4248, To amend the Securities Exchange Act of 1934 to repeal certain disclosure requirements related to conflict minerals, and for other purposes H.R. 4263, Regulation A+ Improvement Act of 2017 H.R. 4267, Small Business Credit Availability Act H.R. 4279, Expanding Investment Opportunities Act H.R. 4281, Expanding Access to Capital for Rural Job Creators Act H.R. 4289, To amend the Dodd-Frank Wall Street Reform and Consumer Protection Act to repeal certain disclosure requirements related to coal and mine safety H.R. 4292, Financial Institution Living Will Improvement Act of 2017 H.R. 4293, Stress Test Improvement Act of 2017 H.R. 4294, Prevention of Private Information Dissemination Act of 2017 H.R. 4296, To place requirements on operational risk capital requirements for banking organizations established by an appropriate Federal banking agency H.R. 4311, Foreign Investment Risk Review Modernization Act of 2017 H.R. 4519, To amend the Securities Exchange Act of 1934 to repeal certain disclosure requirements related to resource extraction, and for other purposes H.R. 4529, Accelerating Access to Capital Act of 2017 H.R. 4537, International Insurance Standards Act of 2017 H.R. 4545, Financial Institutions Examination Fairness and Reform Act H.R. 4550, Practice of Law Technical Clarification Act of 2017 H.R. 4566, Alleviating Stress Test Burdens to Help Investors Act H.R. 4607, Comprehensive Regulatory Review Act H.R. 4659, To require the appropriate Federal banking agencies to recognize the exposure-reducing nature of client margin for cleared derivatives H.R. 4771, Small Bank Holding Company Relief Act of 2018 H.R. 4861, Ensuring Quality Unbiased Access to Loans (EQUAL) Act of 2018 H.R. 5051, Public Company Registration Threshold Act H.R. 5323, Derivatives Fairness Act S. 366, Taking Account of Institutions with Low Operation Risk (TAILOR) Act of 2017 S. 462, Securities and Exchange Commission Overpayment Credit Act S. 488, Encouraging Employee Ownership Act S. 536, Cybersecurity Disclosure Act of 2017 S. 1241, Combating Money Laundering, Terrorist Financing, and Counterfeiting Act of 2017 S. 1284, Community Bank Relief Act S. 1454, True Incorporation Transparency for Law Enforcement (TITLE) Act S. 1463, Financial Stability Oversight Council Insurance Member Continuity Act S. 1717, Corporate Transparency Act of 2017 S. 2098, Foreign Investment Risk Review Modernization Act of 2017 S. 2155, Economic Growth, Regulatory Relief, and Consumer Protection Act S. 2282, Bankruptcy Venue Reform Act of 2018 S. 2498, Protecting Children From Identity Theft Act Draft legislation titled Credit Services Protection Act of 2017 Draft legislation titled Counter Terrorism and Illicit Finance Act Draft legislation titled Data Acquisition and Technology Accountability and Security Act Potential legislation similar to H.R. 1090, Retail Investor Protection Act (114th Cong.) Potential legislation similar to H.R. 4294, Strengthening Access to Valuable Education and Retirement Support (SAVERS) Act of 2015 Final regulation on definition of the term "fiduciary"; conflict of interest rule--retirement investment advice (81 Fed. Reg. 20,946-21,002, April 8, 2016) Proposed regulations on universal proxy (81 Fed. Reg. 79,122-79,186, November 10, 2016) Joint advance notice of proposed rulemaking on enhanced cyber risk management standards (81 Fed. Reg. 74,315-74,326, October 26, 2016) Proposed rule on regulations Q and Y; risk-based capital and other regulatory requirements for activities of financial holding companies related to physical commodities and risk-based capital requirements for merchant banking investments (81 Fed. Reg. 67,220-67,239, September 30, 2016) Nomination of Governor Jerome Powell to serve as Chairman of the Board of Governors of the Federal Reserve System Nomination of Jelena McWilliams to be Chair of the Federal Deposit Insurance Corporation Various issues relating to the implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act (P.L. 111-203); implementation of the Jumpstart Our Business Startups Act (P.L. 112-106); Executive Order 13772, Core Principles for Regulating the United States Financial System; Presidential Memorandum for the Secretary of the Treasury regarding Orderly Liquidation Authority; Basel III capital standards, bank capital, and liquidity reform; Consumer Financial Protection Bureau (CFPB) transparency and accountability; CFPB consumer complaint database; CFPB reform; anti-money laundering and Bank Secrecy Act (P.L. 91-508) improvements; Notice of Stakeholder Consultations on Responsible Conflict Mineral Sourcing; Financial Industry Regulatory Authority (FINRA) engagement initiative; political spending disclosures; systemic risk regulation and Financial Stability Oversight Council (FSOC) designation of non-bank financial companies; Financial Stability Oversight Council (FSOC) reform; Department of Treasury review of FSOC determination and designation process; Federal Reserve: Enhanced Disclosure of the Models Used in the Federal Reserves Supervisory Stress Test, Docket No. OP-1586; Stress Testing Policy Statement, Docket No. OP-1587; Policy Statement on the Scenario Design Framework for Stress Testing, Docket No. OP-1588; Office of Financial Research transparency and accountability; reform of international standard setting bodies including Financial Stability Board, International Association of Insurance Supervisors and Basel Committee on Banking Supervision; Federal Reserve reform; Federal Reserve proposed guidance on supervisory expectation for boards of directors 2017-16735; proxy voting systems; Security Exchange Commission conflict mineral rule; Security Exchange Commission pay ratio rule; Security Exchange Commission Advisory Committee on Small and Emerging Companies; Security Exchange Commission request for information regarding standards of conduct for investment advisors and broker-dealers; Security Exchange Commission staff legal bulletin 141 (CF) shareholder proposals; Security Exchange Commission FAST Act (P.L. 114-94) modernization and simplification of regulations S-K file no. S7-08-17; disclosure requirements and materiality; JOBS Act 2.0; potential legislation to create legal framework for venture exchange; credit bureau issues; tailoring bank rules to reduce the burden on small, midsize, and regional banks; beneficial ownership; reforms to the Committee on Foreign Investment in the United States; modernization of the Community Reinvestment Act (P.L. 95-128); application of Customer Identification Program requirements under anti-money laundering rules to bank-affiliated premium finance companies; application of the May 2016 Customer Due Diligence Rule to routine cash refunds issued by bank-affiliated premium finance companies; proposals to audit the Board of Governors of the Federal Reserve System; small business lending

S. 2434, Animal Drug and Animal Generic Drug User Fee Amendments of 2018 S. 2498, Protecting Children From Identity Theft Act Nomination of Ann Marie Buerkle to be Chair of the Consumer Product Safety Commission Nomination of Dana Baiocco to be Commissioner of the Consumer Product Safety Commission Various issues relating to potential product labeling legislation

Client expense: $15,390,000 · Firm income: Not reported

H.R. 5192/S. 2498, The Protecting Children from Identity Theft Act (entire bill); S. 2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act (entire bill); Issues relating to the CFPB (no bill); Issues relating to data security (no bill)

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues relating to interchange fees on electronic payments Issues relating to prepaid card products Issues relating to financial literacy and financial inclusion Issues relating to innovation in the payments industry Issues relating to payment card security and data security standards Issues relating to financial regulatory reform H.R. 10, the Financial Choice Act, provisions relating to financial regulatory reform S. 2155, Economic Growth, Regulatory Relief, and Consumer Protection Act, provisions relating to financial regulatory reform H.R. 4028, PROTECT Act of 2017, provisions relating to oversight of credit reporting agencies Draft data security legislation, provisions relating to data security regulations S. 2498, Protecting Children From Identity Theft Act, provisions relating to verifying social security numbers H.R. 5192, Protecting Children from Identity Theft Act, provisions relating to verifying social security numbers

Client expense: $1,300,000 · Firm income: Not reported