Consumer Financial Protection Bureau Accountability Act of 2017

Cryptocurrency, mobile payments, fraud, data security, data storage, open banking, regulatory reform, tax reporting, payments systems, cyber-security, financial services, merchant cash advances, privacy, the Federal Reserve and big data, CFPB prepaid products rule (Prepaid Accounts Under Direct Electronic Transfer Act {Regulation E} and the Truth in Lending Act), Federal Reserve Secure Payments Task Force, Marketplace lending, H.R. 10-Financial Choice Act of 2017, H.J. Res. 62/72-Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act, S.J.Res.19 - A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act, H. R. 1801-To delay the effective date of the final rule of the Bureau of Consumer Financial Protection titled Prepaid Accounts under the Electronic Fund Transfer Act (Regulation E) and the Truth In Lending Act (Regulation Z)", S. 387-Consumer Financial Protection Bureau Accountability Act of 2017, S. 626-CFPB-IG Act of 2017. CFPB Governance Structure. H.J.Res. 111, 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 "Arbitration Agreements." S.J.Res. 47, 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 "Arbitration Agreements". H.R. 4439, Modernizing Credit Opportunities Act of 2017. H.R. 3299, Protecting Consumers' Access to Credit Act of 2017. S. 1642, Protecting Consumers' Access to Credit Act of 2017. H.R. 3354, Make America Secure & Prosperous Appropriations Act. H.R. 6743, Consumer Information Notification Requirement Act. H.R. 6850, Financial Reporting Threshold Modernization Act. "Potential Federal Reserve Actions To Support Interbank Settlement of Faster Payments, Request for Comments" (Docket # OP-1625). OCC ANPR "Reforming the Community Reinvestment Act Regulatory Framework" (Docket # OCC-2018- 0008). H.R. 1595, "SAFE Banking Act of 2019". FDIC Request for Information on Small-Dollar Lending (Docket No. RIN 3064-ZA04). S. 1200, Secure And Fair Enforcement Banking Act of 2019. H.R. 4813, Keep Big Tech Out of Finance Act. S. 2839, Eliminating Corporate Shadow Banking Act of 2019. S. 1951, Designing Accounting Safeguards To Help Broaden Oversight and Regulations on Data. H.R. 5574, "Preserving Small Business Lending Act of 2020." H.R. 6116, "Consumer Financial Protection Commission Act." S. 3548, "CARES Act." H.R. 6379, "Take Responsibility for Workers and Families Act." H.R. 748, "CARES Act." S. 3990, "Financial Product Safety Commission Act of 2020." H.R. 6886, "Paycheck Protection Program Flexibility Act of 2020." H.R. 710, "Paycheck Protection Program Flexibility Act of 2020." S.4116, "Bill to extend Paycheck Protection Program..." H.R. 8087, "Bill to extend Paycheck Protection Program..." H.R. 7777, "Paycheck Protection Small Business Forgiveness Act." H.R. 8265, "To amend the Small Business Act and the CARES Act to establish a program for second draw loans and make other modifications to the paycheck protection program and for other purposes..." S. 4614, "Postal Banking Act." H.R. 8406, "HEROS Act." H.R. 7889, "Small Business Lending Disclosure and Broker Regulation Act of 2020." OCC "True Lender." OCC "National Bank and Federal Savings Association Digital Activities." H.R. 8215, "Improving Digital Identity Act of 2020." U.S. House Committee on Financial Services' Task Force on Financial Technology and Task Force on Artificial Intelligence. S. 4999, "Emergency Direct Payments for Families and Workers Act of 2020." H.R. 8893, "Coronavirus Assistance for Americans Families Act." S. 4927, EIDL Forgiveness Act." H.R. 8827, "Stablecoin Classification and Regulation Act of 2020." S. 4800, "The Heroes Act." H.R. 8721, "Public Banking Act of 2020." S.J. Res 15, "True Lender." H.J. Res 35, "True Lender." H.R. 296, "Financial Technology Protection Act." H.R. 1602, "Eliminate Barriers to Innovation Act of 2021." H.R. 1996, "SAFE Banking Act of 2021." H.R. 2561, "Promoting Access to Capital in Underbanked Communities Act of 2021." H.R. 5045, "Blockchain Certainty Act." H.R. 4741, "Digital Asset Market Structure and Investor Protection Act."

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

Government targets: Consumer Financial Protection Bureau (CFPB), Council of Economic Advisers (CEA), Federal Communications Commission (FCC), Federal Reserve System, Federal Trade Commission (FTC), Financial Crimes Enforcement Network (FinCEN), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Economic Council (NEC), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of, U.S. Trade Representative (USTR)

Mobile payments, fraud, data security, data storage, open banking, regulatory reform, tax reporting, payments systems, cyber-security, financial services, merchant cash advances, privacy, the Federal Reserve and big data, CFPB prepaid products rule (Prepaid Accounts Under Direct Electronic Transfer Act {Regulation E} and the Truth in Lending Act), Federal Reserve Secure Payments Task Force, Marketplace lending, H.R. 10-Financial Choice Act of 2017, H.J. Res. 62/72-Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act, S.J.Res.19 - A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act, H. R. 1801-To delay the effective date of the final rule of the Bureau of Consumer Financial Protection titled Prepaid Accounts under the Electronic Fund Transfer Act (Regulation E) and the Truth In Lending Act (Regulation Z)", S. 387-Consumer Financial Protection Bureau Accountability Act of 2017, S. 626-CFPB-IG Act of 2017. CFPB Governance Structure. H.J.Res. 111, 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 "Arbitration Agreements." S.J.Res. 47, 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 "Arbitration Agreements". H.R. 4439, Modernizing Credit Opportunities Act of 2017. H.R. 3299, Protecting Consumers' Access to Credit Act of 2017. S. 1642, Protecting Consumers' Access to Credit Act of 2017. H.R. 3354, Make America Secure & Prosperous Appropriations Act. H.R. 6743, Consumer Information Notification Requirement Act. H.R. 6850, Financial Reporting Threshold Modernization Act. "Potential Federal Reserve Actions To Support Interbank Settlement of Faster Payments, Request for Comments" (Docket # OP-1625). OCC ANPR "Reforming the Community Reinvestment Act Regulatory Framework" (Docket # OCC-2018- 0008). H.R. 1595, "SAFE Banking Act of 2019". FDIC Request for Information on Small-Dollar Lending (Docket No. RIN 3064-ZA04). S. 1200, Secure And Fair Enforcement Banking Act of 2019. H.R. 4813, Keep Big Tech Out of Finance Act. S. 2839, Eliminating Corporate Shadow Banking Act of 2019. S. 1951, Designing Accounting Safeguards To Help Broaden Oversight and Regulations on Data. H.R. 5574, "Preserving Small Business Lending Act of 2020." H.R. 6116, "Consumer Financial Protection Commission Act." S. 3548, "CARES Act." H.R. 6379, "Take Responsibility for Workers and Families Act." H.R. 748, "CARES Act." S. 3990, "Financial Product Safety Commission Act of 2020." H.R. 6886, "Paycheck Protection Program Flexibility Act of 2020." H.R. 710, "Paycheck Protection Program Flexibility Act of 2020." S.4116, "Bill to extend Paycheck Protection Program..." H.R. 8087, "Bill to extend Paycheck Protection Program..." H.R. 7777, "Paycheck Protection Small Business Forgiveness Act." H.R. 8265, "To amend the Small Business Act and the CARES Act to establish a program for second draw loans and make other modifications to the paycheck protection program and for other purposes..." S. 4614, "Postal Banking Act." H.R. 8406, "HEROS Act." H.R. 7889, "Small Business Lending Disclosure and Broker Regulation Act of 2020." OCC "True Lender." OCC "National Bank and Federal Savings Association Digital Activities." H.R. 8215, "Improving Digital Identity Act of 2020." U.S. House Committee on Financial Services' Task Force on Financial Technology and Task Force on Artificial Intelligence. S. 4999, "Emergency Direct Payments for Families and Workers Act of 2020." H.R. 8893, "Coronavirus Assistance for Americans Families Act." S. 4927, EIDL Forgiveness Act." H.R. 8827, "Stablecoin Classification and Regulation Act of 2020." S. 4800, "The Heroes Act." H.R. 8721, "Public Banking Act of 2020." S.J. Res 15, "True Lender." H.J. Res 35, "True Lender." H.R. 296, "Financial Technology Protection Act." H.R. 1602, "Eliminate Barriers to Innovation Act of 2021." H.R. 1996, "SAFE Banking Act of 2021." H.R. 2561, "Promoting Access to Capital in Underbanked Communities Act of 2021." H.R. 5045, "Blockchain Certainty Act."

Client expense: $230,000 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), Council of Economic Advisers (CEA), Federal Communications Commission (FCC), Federal Reserve System, Federal Trade Commission (FTC), Financial Crimes Enforcement Network (FinCEN), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Economic Council (NEC), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of, U.S. Trade Representative (USTR)

Mobile payments, fraud, data security, data storage, open banking, regulatory reform, tax reporting, payments systems, cyber-security, financial services, merchant cash advances, privacy, the Federal Reserve and big data, CFPB prepaid products rule (Prepaid Accounts Under Direct Electronic Transfer Act {Regulation E} and the Truth in Lending Act), Federal Reserve Secure Payments Task Force, Marketplace lending, H.R. 10-Financial Choice Act of 2017, H.J. Res. 62/72-Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act, S.J.Res.19 - A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act, H. R. 1801-To delay the effective date of the final rule of the Bureau of Consumer Financial Protection titled Prepaid Accounts under the Electronic Fund Transfer Act (Regulation E) and the Truth In Lending Act (Regulation Z)", S. 387-Consumer Financial Protection Bureau Accountability Act of 2017, S. 626-CFPB-IG Act of 2017. CFPB Governance Structure. H.J.Res. 111, 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 "Arbitration Agreements." S.J.Res. 47, 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 "Arbitration Agreements". H.R. 4439, Modernizing Credit Opportunities Act of 2017. H.R. 3299, Protecting Consumers' Access to Credit Act of 2017. S. 1642, Protecting Consumers' Access to Credit Act of 2017. H.R. 3354, Make America Secure & Prosperous Appropriations Act. H.R. 6743, Consumer Information Notification Requirement Act. H.R. 6850, Financial Reporting Threshold Modernization Act. "Potential Federal Reserve Actions To Support Interbank Settlement of Faster Payments, Request for Comments" (Docket # OP-1625). OCC ANPR "Reforming the Community Reinvestment Act Regulatory Framework" (Docket # OCC-2018- 0008). H.R. 1595, "SAFE Banking Act of 2019". FDIC Request for Information on Small-Dollar Lending (Docket No. RIN 3064-ZA04). S. 1200, Secure And Fair Enforcement Banking Act of 2019. H.R. 4813, Keep Big Tech Out of Finance Act. S. 2839, Eliminating Corporate Shadow Banking Act of 2019. S. 1951, Designing Accounting Safeguards To Help Broaden Oversight and Regulations on Data. H.R. 5574, "Preserving Small Business Lending Act of 2020." H.R. 6116, "Consumer Financial Protection Commission Act." S. 3548, "CARES Act." H.R. 6379, "Take Responsibility for Workers and Families Act." H.R. 748, "CARES Act." S. 3990, "Financial Product Safety Commission Act of 2020." H.R. 6886, "Paycheck Protection Program Flexibility Act of 2020." H.R. 710, "Paycheck Protection Program Flexibility Act of 2020." S.4116, "Bill to extend Paycheck Protection Program..." H.R. 8087, "Bill to extend Paycheck Protection Program..." H.R. 7777, "Paycheck Protection Small Business Forgiveness Act." H.R. 8265, "To amend the Small Business Act and the CARES Act to establish a program for second draw loans and make other modifications to the paycheck protection program and for other purposes..." S. 4614, "Postal Banking Act." H.R. 8406, "HEROS Act." H.R. 7889, "Small Business Lending Disclosure and Broker Regulation Act of 2020." OCC "True Lender." OCC "National Bank and Federal Savings Association Digital Activities." H.R. 8215, "Improving Digital Identity Act of 2020." U.S. House Committee on Financial Services' Task Force on Financial Technology and Task Force on Artificial Intelligence. S. 4999, "Emergency Direct Payments for Families and Workers Act of 2020." H.R. 8893, "Coronavirus Assistance for Americans Families Act." S. 4927, EIDL Forgiveness Act." H.R. 8827, "Stablecoin Classification and Regulation Act of 2020." S. 4800, "The Heroes Act." H.R. 8721, "Public Banking Act of 2020." S.J. Res 15, "True Lender." H.J. Res 35, "True Lender." H.R. 296, "Financial Technology Protection Act." H.R. 1602, "Eliminate Barriers to Innovation Act of 2021." H.R. 1996, "SAFE Banking Act of 2021." H.R. 2561, "Promoting Access to Capital in Underbanked Communities Act of 2021."

Client expense: $230,000 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), Council of Economic Advisers (CEA), Federal Communications Commission (FCC), Federal Reserve System, Federal Trade Commission (FTC), Financial Crimes Enforcement Network (FinCEN), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Economic Council (NEC), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of, U.S. Trade Representative (USTR)

Mobile payments, fraud, data security, data storage, open banking, regulatory reform, tax reporting, payments systems, cyber-security, financial services, merchant cash advances, privacy, the Federal Reserve and big data, CFPB prepaid products rule (Prepaid Accounts Under Direct Electronic Transfer Act {Regulation E} and the Truth in Lending Act), Federal Reserve Secure Payments Task Force, Marketplace lending, H.R. 10-Financial Choice Act of 2017, H.J. Res. 62/72-Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act, S.J.Res.19 - A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act, H. R. 1801-To delay the effective date of the final rule of the Bureau of Consumer Financial Protection titled Prepaid Accounts under the Electronic Fund Transfer Act (Regulation E) and the Truth In Lending Act (Regulation Z)", S. 387-Consumer Financial Protection Bureau Accountability Act of 2017, S. 626-CFPB-IG Act of 2017. CFPB Governance Structure. H.J.Res. 111, 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 "Arbitration Agreements." S.J.Res. 47, 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 "Arbitration Agreements". H.R. 4439, Modernizing Credit Opportunities Act of 2017. H.R. 3299, Protecting Consumers' Access to Credit Act of 2017. S. 1642, Protecting Consumers' Access to Credit Act of 2017. H.R. 3354, Make America Secure & Prosperous Appropriations Act. H.R. 6743, Consumer Information Notification Requirement Act. H.R. 6850, Financial Reporting Threshold Modernization Act. "Potential Federal Reserve Actions To Support Interbank Settlement of Faster Payments, Request for Comments" (Docket # OP-1625). OCC ANPR "Reforming the Community Reinvestment Act Regulatory Framework" (Docket # OCC-2018- 0008). H.R. 1595, "SAFE Banking Act of 2019". FDIC Request for Information on Small-Dollar Lending (Docket No. RIN 3064-ZA04). S. 1200, Secure And Fair Enforcement Banking Act of 2019. H.R. 4813, Keep Big Tech Out of Finance Act. S. 2839, Eliminating Corporate Shadow Banking Act of 2019. S. 1951, Designing Accounting Safeguards To Help Broaden Oversight and Regulations on Data. H.R. 5574, "Preserving Small Business Lending Act of 2020." H.R. 6116, "Consumer Financial Protection Commission Act." S. 3548, "CARES Act." H.R. 6379, "Take Responsibility for Workers and Families Act." H.R. 748, "CARES Act." S. 3990, "Financial Product Safety Commission Act of 2020." H.R. 6886, "Paycheck Protection Program Flexibility Act of 2020." H.R. 710, "Paycheck Protection Program Flexibility Act of 2020." S.4116, "Bill to extend Paycheck Protection Program..." H.R. 8087, "Bill to extend Paycheck Protection Program..." H.R. 7777, "Paycheck Protection Small Business Forgiveness Act." H.R. 8265, "To amend the Small Business Act and the CARES Act to establish a program for second draw loans and make other modifications to the paycheck protection program and for other purposes..." S. 4614, "Postal Banking Act." H.R. 8406, "HEROS Act." H.R. 7889, "Small Business Lending Disclosure and Broker Regulation Act of 2020." OCC "True Lender." OCC "National Bank and Federal Savings Association Digital Activities." H.R. 8215, "Improving Digital Identity Act of 2020." U.S. House Committee on Financial Services' Task Force on Financial Technology and Task Force on Artificial Intelligence. S. 4999, "Emergency Direct Payments for Families and Workers Act of 2020." H.R. 8893, "Coronavirus Assistance for Americans Families Act." S. 4927, EIDL Forgiveness Act." H.R. 8827, "Stablecoin Classification and Regulation Act of 2020." S. 4800, "The Heroes Act." H.R. 8721, "Public Banking Act of 2020." S.J. Res 15, "True Lender." H.J. Res 35, "True Lender." H.R. 296, "Financial Technology Protection Act." H.R. 1602, "Eliminate Barriers to Innovation Act of 2021." H.R. 1996, "SAFE Banking Act of 2021."

Client expense: $230,000 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), Council of Economic Advisers (CEA), Federal Communications Commission (FCC), Federal Reserve System, Federal Trade Commission (FTC), Financial Crimes Enforcement Network (FinCEN), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Economic Council (NEC), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of, U.S. Trade Representative (USTR)

Mobile payments, fraud, data security, data storage, open banking, regulatory reform, tax reporting, payments systems, cyber-security, financial services, merchant cash advances, privacy, the Federal Reserve and big data, CFPB prepaid products rule (Prepaid Accounts Under Direct Electronic Transfer Act {Regulation E} and the Truth in Lending Act), Federal Reserve Secure Payments Task Force, Marketplace lending, H.R. 10-Financial Choice Act of 2017, H.J. Res. 62/72-Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act, S.J.Res.19 - A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act, H. R. 1801-To delay the effective date of the final rule of the Bureau of Consumer Financial Protection titled Prepaid Accounts under the Electronic Fund Transfer Act (Regulation E) and the Truth In Lending Act (Regulation Z)", S. 387-Consumer Financial Protection Bureau Accountability Act of 2017, S. 626-CFPB-IG Act of 2017. CFPB Governance Structure. H.J.Res. 111, 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 "Arbitration Agreements." S.J.Res. 47, 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 "Arbitration Agreements". H.R. 4439, Modernizing Credit Opportunities Act of 2017. H.R. 3299, Protecting Consumers' Access to Credit Act of 2017. S. 1642, Protecting Consumers' Access to Credit Act of 2017. H.R. 3354, Make America Secure & Prosperous Appropriations Act. H.R. 6743, Consumer Information Notification Requirement Act. H.R. 6850, Financial Reporting Threshold Modernization Act. "Potential Federal Reserve Actions To Support Interbank Settlement of Faster Payments, Request for Comments" (Docket # OP-1625). OCC ANPR "Reforming the Community Reinvestment Act Regulatory Framework" (Docket # OCC-2018-0008). H.R. 1595, "SAFE Banking Act of 2019". FDIC Request for Information on Small-Dollar Lending (Docket No. RIN 3064-ZA04). S. 1200, Secure And Fair Enforcement Banking Act of 2019. H.R. 4813, Keep Big Tech Out of Finance Act. S. 2839, Eliminating Corporate Shadow Banking Act of 2019. S. 1951, Designing Accounting Safeguards To Help Broaden Oversight and Regulations on Data. H.R. 5574, "Preserving Small Business Lending Act of 2020." H.R. 6116, "Consumer Financial Protection Commission Act." S. 3548, "CARES Act." H.R. 6379, "Take Responsibility for Workers and Families Act." H.R. 748, "CARES Act." S. 3990, "Financial Product Safety Commission Act of 2020." H.R. 6886, "Paycheck Protection Program Flexibility Act of 2020." H.R. 710, "Paycheck Protection Program Flexibility Act of 2020." S.4116, "Bill to extend Paycheck Protection Program..." H.R. 8087, "Bill to extend Paycheck Protection Program..." H.R. 7777, "Paycheck Protection Small Business Forgiveness Act." H.R. 8265, "To amend the Small Business Act and the CARES Act to establish a program for second draw loans and make other modifications to the paycheck protection program and for other purposes..." S. 4614, "Postal Banking Act." H.R. 8406, "HEROS Act." H.R. 7889, "Small Business Lending Disclosure and Broker Regulation Act of 2020." OCC "True Lender." OCC "National Bank and Federal Savings Association Digital Activities." H.R. 8215, "Improving Digital Identity Act of 2020." U.S. House Committee on Financial Services' Task Force on Financial Technology and Task Force on Artificial Intelligence. S. 4999, "Emergency Direct Payments for Families and Workers Act of 2020." H.R. 8893, "Coronavirus Assistance for Americans Families Act." S. 4927, EIDL Forgiveness Act." H.R. 8827, "Stablecoin Classification and Regulation Act of 2020." S. 4800, "The Heroes Act." H.R. 8721, "Public Banking Act of 2020."

Client expense: $230,000 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), Council of Economic Advisers (CEA), Federal Communications Commission (FCC), Federal Reserve System, Federal Trade Commission (FTC), Financial Crimes Enforcement Network (FinCEN), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Economic Council (NEC), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of, U.S. Trade Representative (USTR)

Mobile payments, fraud, data security, data storage, open banking, regulatory reform, tax reporting, payments systems, cyber-security, financial services, merchant cash advances, privacy, the Federal Reserve and big data, CFPB prepaid products rule (Prepaid Accounts Under Direct Electronic Transfer Act {Regulation E} and the Truth in Lending Act), Federal Reserve Secure Payments Task Force, Marketplace lending, H.R. 10-Financial Choice Act of 2017, H.J. Res. 62/72-Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act, S.J.Res.19 - A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act, H. R. 1801-To delay the effective date of the final rule of the Bureau of Consumer Financial Protection titled Prepaid Accounts under the Electronic Fund Transfer Act (Regulation E) and the Truth In Lending Act (Regulation Z)", S. 387-Consumer Financial Protection Bureau Accountability Act of 2017, S. 626-CFPB-IG Act of 2017. CFPB Governance Structure. H.J.Res. 111, 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 "Arbitration Agreements." S.J.Res. 47, 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 "Arbitration Agreements". H.R. 4439, Modernizing Credit Opportunities Act of 2017. H.R. 3299, Protecting Consumers' Access to Credit Act of 2017. S. 1642, Protecting Consumers' Access to Credit Act of 2017. H.R. 3354, Make America Secure & Prosperous Appropriations Act. H.R. 6743, Consumer Information Notification Requirement Act. H.R. 6850, Financial Reporting Threshold Modernization Act. "Potential Federal Reserve Actions To Support Interbank Settlement of Faster Payments, Request for Comments" (Docket # OP-1625). OCC ANPR "Reforming the Community Reinvestment Act Regulatory Framework" (Docket # OCC-2018-0008). H.R. 1595, "SAFE Banking Act of 2019". FDIC Request for Information on Small-Dollar Lending (Docket No. RIN 3064-ZA04). S. 1200, Secure And Fair Enforcement Banking Act of 2019. H.R. 4813, Keep Big Tech Out of Finance Act. S. 2839, Eliminating Corporate Shadow Banking Act of 2019. S. 1951, Designing Accounting Safeguards To Help Broaden Oversight and Regulations on Data. H.R. 5574, "Preserving Small Business Lending Act of 2020." H.R. 6116, "Consumer Financial Protection Commission Act." S. 3548, "CARES Act." H.R. 6379, "Take Responsibility for Workers and Families Act." H.R. 748, "CARES Act." S. 3990, "Financial Product Safety Commission Act of 2020." H.R. 6886, "Paycheck Protection Program Flexibility Act of 2020." H.R. 710, "Paycheck Protection Program Flexibility Act of 2020." S.4116, "Bill to extend Paycheck Protection Program..." H.R. 8087, "Bill to extend Paycheck Protection Program..." H.R. 7777, "Paycheck Protection Small Business Forgiveness Act." H.R. 8265, "To amend the Small Business Act and the CARES Act to establish a program for second draw loans and make other modifications to the paycheck protection program and for other purposes..." S. 4614, "Postal Banking Act." H.R. 8406, "HEROS Act." H.R. 7889, "Small Business Lending Disclosure and Broker Regulation Act of 2020." OCC "True Lender." OCC "National Bank and Federal Savings Association Digital Activities." H.R. 8215, "Improving Digital Identity Act of 2020." U.S. House Committee on Financial Services' Task Force on Financial Technology and Task Force on Artificial Intelligence.

Client expense: $280,000 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), Council of Economic Advisers (CEA), Federal Communications Commission (FCC), Federal Reserve System, Federal Trade Commission (FTC), Financial Crimes Enforcement Network (FinCEN), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Economic Council (NEC), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of, U.S. Trade Representative (USTR)

Mobile payments, fraud, data security, data storage, open banking, regulatory reform, tax reporting, payments systems, cyber-security, financial services, merchant cash advances, privacy, the Federal Reserve and big data, CFPB prepaid products rule (Prepaid Accounts Under Direct Electronic Transfer Act {Regulation E} and the Truth in Lending Act), Federal Reserve Secure Payments Task Force, Marketplace lending, H.R. 10-Financial Choice Act of 2017, H.J. Res. 62/72-Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act, S.J.Res.19 - A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act, H. R. 1801-To delay the effective date of the final rule of the Bureau of Consumer Financial Protection titled Prepaid Accounts under the Electronic Fund Transfer Act (Regulation E) and the Truth In Lending Act (Regulation Z)", S. 387-Consumer Financial Protection Bureau Accountability Act of 2017, S. 626-CFPB-IG Act of 2017. CFPB Governance Structure. H.J.Res. 111, 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 "Arbitration Agreements." S.J.Res. 47, 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 "Arbitration Agreements". H.R. 4439, Modernizing Credit Opportunities Act of 2017. H.R. 3299, Protecting Consumers' Access to Credit Act of 2017. S. 1642, Protecting Consumers' Access to Credit Act of 2017. H.R. 3354, Make America Secure & Prosperous Appropriations Act. H.R. 6743, Consumer Information Notification Requirement Act. H.R. 6850, Financial Reporting Threshold Modernization Act. "Potential Federal Reserve Actions To Support Interbank Settlement of Faster Payments, Request for Comments" (Docket # OP-1625). OCC ANPR "Reforming the Community Reinvestment Act Regulatory Framework" (Docket # OCC-2018-0008). H.R. 1595, "SAFE Banking Act of 2019". FDIC Request for Information on Small-Dollar Lending (Docket No. RIN 3064-ZA04). S. 1200, Secure And Fair Enforcement Banking Act of 2019. H.R. 4813, Keep Big Tech Out of Finance Act. S. 2839, Eliminating Corporate Shadow Banking Act of 2019. S. 1951, Designing Accounting Safeguards To Help Broaden Oversight and Regulations on Data. H.R. 5574, "Preserving Small Business Lending Act of 2020." H.R. 6116, "Consumer Financial Protection Commission Act." S. 3548, "CARES Act." H.R. 6379, "Take Responsibility for Workers and Families Act." H.R. 748, "CARES Act." S. 3990, "Financial Product Safety Commission Act of 2020." H.R. 6886, "Paycheck Protection Program Flexibility Act of 2020." H.R. 710, "Paycheck Protection Program Flexibility Act of 2020." S.4116, "Bill to extend Paycheck Protection Program...: U.S. House Committee on Financial Services' Task Force on Financial Technology and Task Force on Artificial Intelligence.

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

Government targets: Consumer Financial Protection Bureau (CFPB), Council of Economic Advisers (CEA), Federal Communications Commission (FCC), Federal Reserve System, Federal Trade Commission (FTC), Financial Crimes Enforcement Network (FinCEN), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Economic Council (NEC), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of, U.S. Trade Representative (USTR)

Mobile payments, fraud, data security, data storage, open banking, regulatory reform, tax reporting, payments systems, cyber-security, financial services, merchant cash advances, privacy, the Federal Reserve and big data, CFPB prepaid products rule (Prepaid Accounts Under Direct Electronic Transfer Act {Regulation E} and the Truth in Lending Act), Federal Reserve Secure Payments Task Force, Marketplace lending, H.R. 10-Financial Choice Act of 2017, H.J. Res. 62/72-Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act, S.J.Res.19 - A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act, H. R. 1801-To delay the effective date of the final rule of the Bureau of Consumer Financial Protection titled Prepaid Accounts under the Electronic Fund Transfer Act (Regulation E) and the Truth In Lending Act (Regulation Z)", S. 387-Consumer Financial Protection Bureau Accountability Act of 2017, S. 626-CFPB-IG Act of 2017. CFPB Governance Structure. H.J.Res. 111, 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 "Arbitration Agreements." S.J.Res. 47, 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 "Arbitration Agreements". H.R. 4439, Modernizing Credit Opportunities Act of 2017. H.R. 3299, Protecting Consumers' Access to Credit Act of 2017. S. 1642, Protecting Consumers' Access to Credit Act of 2017. H.R. 3354, Make America Secure & Prosperous Appropriations Act. H.R. 6743, Consumer Information Notification Requirement Act. H.R. 6850, Financial Reporting Threshold Modernization Act. "Potential Federal Reserve Actions To Support Interbank Settlement of Faster Payments, Request for Comments" (Docket # OP-1625). OCC ANPR "Reforming the Community Reinvestment Act Regulatory Framework" (Docket # OCC-2018-0008). H.R. 1595, "SAFE Banking Act of 2019". FDIC Request for Information on Small-Dollar Lending (Docket No. RIN 3064-ZA04). S. 1200, Secure And Fair Enforcement Banking Act of 2019. H.R. 4813, Keep Big Tech Out of Finance Act. S. 2839, Eliminating Corporate Shadow Banking Act of 2019. S. 1951, Designing Accounting Safeguards To Help Broaden Oversight and Regulations on Data. H.R. 5574, "Preserving Small Business Lending Act of 2020." H.R. 6116, "Consumer Financial Protection Commission Act." S. 3548, "CARES Act." H.R. 6379, "Take Responsibility for Workers and Families Act." H.R. 748, "CARES Act." U.S. House Committee on Financial Services' Task Force on Financial Technology and Task Force on Artificial Intelligence.

Client expense: $310,000 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), Council of Economic Advisers (CEA), Federal Communications Commission (FCC), Federal Reserve System, Federal Trade Commission (FTC), Financial Crimes Enforcement Network (FinCEN), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Economic Council (NEC), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of, U.S. Trade Representative (USTR)

Mobile payments, fraud, data security, data storage, open banking, regulatory reform, tax reporting, payments systems, cyber-security, financial services, merchant cash advances, privacy, the Federal Reserve and big data, CFPB prepaid products rule (Prepaid Accounts Under Direct Electronic Transfer Act {Regulation E} and the Truth in Lending Act), Federal Reserve Secure Payments Task Force, Marketplace lending, H.R. 10-Financial Choice Act of 2017, H.J. Res. 62/72-Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act, S.J.Res.19 - A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act, H. R. 1801-To delay the effective date of the final rule of the Bureau of Consumer Financial Protection titled Prepaid Accounts under the Electronic Fund Transfer Act (Regulation E) and the Truth In Lending Act (Regulation Z)", S. 387-Consumer Financial Protection Bureau Accountability Act of 2017, S. 626-CFPB-IG Act of 2017. CFPB Governance Structure. H.J.Res. 111, 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 "Arbitration Agreements." S.J.Res. 47, 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 "Arbitration Agreements". H.R. 4439, Modernizing Credit Opportunities Act of 2017. H.R. 3299, Protecting Consumers' Access to Credit Act of 2017. S. 1642, Protecting Consumers' Access to Credit Act of 2017. H.R. 3354, Make America Secure & Prosperous Appropriations Act. H.R. 6743, Consumer Information Notification Requirement Act. H.R. 6850, Financial Reporting Threshold Modernization Act. "Potential Federal Reserve Actions To Support Interbank Settlement of Faster Payments, Request for Comments" (Docket # OP-1625). OCC ANPR "Reforming the Community Reinvestment Act Regulatory Framework" (Docket # OCC-2018-0008). H.R. 1595, "SAFE Banking Act of 2019". FDIC Request for Information on Small-Dollar Lending (Docket No. RIN 3064-ZA04). S. 1200, Secure And Fair Enforcement Banking Act of 2019. H.R. 4813, Keep Big Tech Out of Finance Act. S. 2839, Eliminating Corporate Shadow Banking Act of 2019. S. 1951, Designing Accounting Safeguards To Help Broaden Oversight and Regulations on Data. U.S. House Committee on Financial Services' Task Force on Financial Technology and Task Force on Artificial Intelligence.

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

Government targets: Consumer Financial Protection Bureau (CFPB), Council of Economic Advisers (CEA), Federal Communications Commission (FCC), Federal Reserve System, Federal Trade Commission (FTC), Financial Crimes Enforcement Network (FinCEN), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Economic Council (NEC), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of, U.S. Trade Representative (USTR)

Mobile payments, fraud, data security, data storage, open banking, regulatory reform, tax reporting, payments systems, cyber-security, financial services, merchant cash advances, privacy, the Federal Reserve and big data, CFPB prepaid products rule (Prepaid Accounts Under Direct Electronic Transfer Act {Regulation E} and the Truth in Lending Act), Federal Reserve Secure Payments Task Force, Marketplace lending, H.R. 10-Financial Choice Act of 2017, H.J. Res. 62/72-Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act, S.J.Res.19 - A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act, H. R. 1801-To delay the effective date of the final rule of the Bureau of Consumer Financial Protection titled Prepaid Accounts under the Electronic Fund Transfer Act (Regulation E) and the Truth In Lending Act (Regulation Z)", S. 387-Consumer Financial Protection Bureau Accountability Act of 2017, S. 626-CFPB-IG Act of 2017. CFPB Governance Structure. H.J.Res. 111, 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 "Arbitration Agreements." S.J.Res. 47, 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 "Arbitration Agreements". H.R. 4439, Modernizing Credit Opportunities Act of 2017. H.R. 3299, Protecting Consumers' Access to Credit Act of 2017. S. 1642, Protecting Consumers' Access to Credit Act of 2017. H.R. 3354, Make America Secure & Prosperous Appropriations Act. H.R. 6743, Consumer Information Notification Requirement Act. H.R. 6850, Financial Reporting Threshold Modernization Act. "Potential Federal Reserve Actions To Support Interbank Settlement of Faster Payments, Request for Comments" (Docket # OP-1625). OCC ANPR "Reforming the Community Reinvestment Act Regulatory Framework" (Docket # OCC-2018-0008). H.R. 1595, "SAFE Banking Act of 2019". FDIC Request for Information on Small-Dollar Lending (Docket No. RIN 3064-ZA04). S. 1200, Secure And Fair Enforcement Banking Act of 2019. U.S. House Committee on Financial Services' Task Force on Financial Technology and Task Force on Artificial Intelligence.

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

Government targets: Consumer Financial Protection Bureau (CFPB), Council of Economic Advisers (CEA), Federal Communications Commission (FCC), Federal Reserve System, Federal Trade Commission (FTC), Financial Crimes Enforcement Network (FinCEN), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Economic Council (NEC), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of, U.S. Trade Representative (USTR)

Mobile payments, fraud, data security, data storage, open banking, regulatory reform, tax reporting, payments systems, cyber-security, financial services, merchant cash advances, privacy, the Federal Reserve and big data, CFPB prepaid products rule (Prepaid Accounts Under Direct Electronic Transfer Act {Regulation E} and the Truth in Lending Act), Federal Reserve Secure Payments Task Force, Marketplace lending, H.R. 10-Financial Choice Act of 2017, H.J. Res. 62/72-Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act, S.J.Res.19 - A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act, H. R. 1801-To delay the effective date of the final rule of the Bureau of Consumer Financial Protection titled Prepaid Accounts under the Electronic Fund Transfer Act (Regulation E) and the Truth In Lending Act (Regulation Z)", S. 387-Consumer Financial Protection Bureau Accountability Act of 2017, S. 626-CFPB-IG Act of 2017. CFPB Governance Structure. H.J.Res. 111, 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 "Arbitration Agreements." S.J.Res. 47, 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 "Arbitration Agreements". H.R. 4439, Modernizing Credit Opportunities Act of 2017. H.R. 3299, Protecting Consumers' Access to Credit Act of 2017. S. 1642, Protecting Consumers' Access to Credit Act of 2017. H.R. 3354, Make America Secure & Prosperous Appropriations Act. H.R. 6743, Consumer Information Notification Requirement Act. H.R. 6850, Financial Reporting Threshold Modernization Act. "Potential Federal Reserve Actions To Support Interbank Settlement of Faster Payments, Request for Comments" (Docket # OP-1625). OCC ANPR "Reforming the Community Reinvestment Act Regulatory Framework" (Docket # OCC-2018-0008). H.R. 1595, "SAFE Banking Act of 2019". FDIC Request for Information on Small-Dollar Lending (Docket No. RIN 3064-ZA04). S. 1200, Secure And Fair Enforcement Banking Act of 2019. U.S. House Committee on Financial Services' Task Force on Financial Technology and Task Force on Artificial Intelligence.

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

Government targets: Consumer Financial Protection Bureau (CFPB), Council of Economic Advisers (CEA), Federal Communications Commission (FCC), Federal Reserve System, Federal Trade Commission (FTC), Financial Crimes Enforcement Network (FinCEN), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Economic Council (NEC), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of, U.S. Trade Representative (USTR)

Mobile payments, fraud, data security, data storage, open banking, regulatory reform, tax reporting, payments systems, cyber-security, financial services, merchant cash advances, privacy, the Federal Reserve and big data, CFPB prepaid products rule (Prepaid Accounts Under Direct Electronic Transfer Act {Regulation E} and the Truth in Lending Act), Federal Reserve Secure Payments Task Force, Marketplace lending, H.R. 10-Financial Choice Act of 2017, H.J. Res. 62/72-Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act, S.J.Res.19 - A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act, H. R. 1801-To delay the effective date of the final rule of the Bureau of Consumer Financial Protection titled Prepaid Accounts under the Electronic Fund Transfer Act (Regulation E) and the Truth In Lending Act (Regulation Z)", S. 387-Consumer Financial Protection Bureau Accountability Act of 2017, S. 626-CFPB-IG Act of 2017. CFPB Governance Structure. H.J.Res. 111, 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 "Arbitration Agreements." S.J.Res. 47, 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 "Arbitration Agreements". H.R. 4439, Modernizing Credit Opportunities Act of 2017. H.R. 3299, Protecting Consumers' Access to Credit Act of 2017. S. 1642, Protecting Consumers' Access to Credit Act of 2017. H.R. 3354, Make America Secure & Prosperous Appropriations Act. H.R. 6743, Consumer Information Notification Requirement Act. H.R. 6850, Financial Reporting Threshold Modernization Act. "Potential Federal Reserve Actions To Support Interbank Settlement of Faster Payments, Request for Comments" (Docket # OP-1625). OCC ANPR "Reforming the Community Reinvestment Act Regulatory Framework" (Docket # OCC-2018-0008). H.R. 1595, "SAFE Banking Act of 2019". FDIC Request for Information on Small-Dollar Lending (Docket No. RIN 3064-ZA04).

Client expense: $290,000 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), Council of Economic Advisers (CEA), Federal Communications Commission (FCC), Federal Reserve System, Federal Trade Commission (FTC), Financial Crimes Enforcement Network (FinCEN), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Economic Council (NEC), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of, U.S. Trade Representative (USTR)

Mobile payments, fraud, data security, data storage regulatory reform, tax reporting, payments systems, cyber-security, financial services, merchant cash advances, privacy, the Federal Reserve and big data, CFPB prepaid products rule (Prepaid Accounts Under Direct Electronic Transfer Act {Regulation E} and the Truth in Lending Act), Federal Reserve Secure Payments Task Force, Marketplace lending, H.R. 10-Financial Choice Act of 2017, H.J. Res. 62/72-Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act, S.J.Res.19 - A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act, H. R. 1801-To delay the effective date of the final rule of the Bureau of Consumer Financial Protection titled Prepaid Accounts under the Electronic Fund Transfer Act (Regulation E) and the Truth In Lending Act (Regulation Z)", S. 387-Consumer Financial Protection Bureau Accountability Act of 2017, S. 626-CFPB-IG Act of 2017. Fiscal Year 2018 Financial Services and General Government Appropriations Bill. CFPB Governance Structure. H.J.Res. 111, 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 "Arbitration Agreements." S.J.Res. 47, 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 "Arbitration Agreements". H.R. 4439, Modernizing Credit Opportunities Act of 2017. H.R. 3299, Protecting Consumers' Access to Credit Act of 2017. S. 1642, Protecting Consumers' Access to Credit Act of 2017. H.R. 3354, Make America Secure & Prosperous Appropriations Act.

Client expense: $360,000 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), Council of Economic Advisers (CEA), Federal Communications Commission (FCC), Federal Reserve System, Federal Trade Commission (FTC), Financial Crimes Enforcement Network (FinCEN), HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Economic Council (NEC), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of, U.S. Trade Representative (USTR)

S.366 / H.R. 1116 - 115th Congress (2017-2018), TAILOR Act of 2017: Would require regulatory agencies to take risk profiles and business models into account when crafting new regulations and requires agencies to examine all regulations issued since passage of Dodd-Frank in 2010 to make sure they comply with TAILOR Act. H.R.1264 - 115th Congress (2017-2018), Community Financial Institution Exemption Act: Would provide that community financial institutions with under $50 billion in assets are exempt from CFPB regulations unless the CFPB can demonstrate harm to consumers. H.R.1244 - 115th Congress (2017-2018), Capital Access for Small Business and Jobs Act: Would provide credit unions relief from the NCUAs risk-based capital rule and allow credit unions to raise capital from sources other than retained earnings. S.105 - 115th Congress (2017-2018), Consumer Financial Protection Board Act of 2017: Would establish a five-member, bipartisan board of directors for the CFPB. S.387 - 115th Congress (2017-2018), Consumer Financial Protection Bureau Accountability Act of 2017: Subjects the CFPB to annual appropriations process rather than receiving funding via Federal Reserve System transfers. Raising or eliminating Member Business Lending cap. Credit Union tax exemption.

Client expense: Not reported · Firm income: Not reported

Mobile payments, fraud, data security, data storage regulatory reform, tax reporting, payments systems, cyber-security, financial services, merchant cash advances, privacy, the Federal Reserve and big data, CFPB prepaid products rule (Prepaid Accounts Under Direct Electronic Transfer Act {Regulation E} and the Truth in Lending Act), Federal Reserve Secure Payments Task Force, Marketplace lending, H.R. 10-Financial Choice Act of 2017, H.J. Res. 62/72-Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act, S.J.Res.19 - A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act, H. R. 1801-To delay the effective date of the final rule of the Bureau of Consumer Financial Protection titled Prepaid Accounts under the Electronic Fund Transfer Act (Regulation E) and the Truth In Lending Act (Regulation Z)", S. 387-Consumer Financial Protection Bureau Accountability Act of 2017, S. 626-CFPB-IG Act of 2017. Fiscal Year 2018 Financial Services and General Government Appropriations Bill. CFPB Governance Structure. H.J.Res. 111, 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 "Arbitration Agreements." S.J.Res. 47, 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 "Arbitration Agreements". H.R. 4439, Modernizing Credit Opportunities Act of 2017. H.R. 3299, Protecting Consumers' Access to Credit Act of 2017. S. 1642, Protecting Consumers' Access to Credit Act of 2017. H.R. 3354, Make America Secure & Prosperous Appropriations Act.

Client expense: $360,000 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), Council of Economic Advisers (CEA), Federal Communications Commission (FCC), Federal Reserve System, Federal Trade Commission (FTC), Financial Crimes Enforcement Network (FinCEN), HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Economic Council (NEC), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of, U.S. Trade Representative (USTR)

Preserving the credit union tax exemption; Repeal of the Durbin Amendment on debit interchange; Regulatory relief for credit unions; Credit union exemptions from the CFPB; Reforms to the structure of the CFPB and its powers; data and cyber security - creation of a national data security standard; Housing Finance Reform - ensuring that credit unions have unfettered access to the secondary mortgage market based on loan quality rather than quantity; Member Business Lending - raise the arbitrary cap, raise the de minimis exclusion; exempt loans to veterans from the definition of MBL, and exclude non-owner occupied, 1-4-family dwellings from the calculation of the cap on credit union member business loans (H.R. 389/S. 836); Capital Access for Small Businesses and Jobs Act (H.R. 1244); TRID Improvement Act (H.R. 5078/S. 2490); Bank Secrecy Act; FCC Oversight; Patent Reform - provide relief from practices of patent trolls; NFIP - National flood insurance program; The REINS Act (H.R. 26/S. 21); Regulatory Flexibility Act; Improve or require agency regulatory guidance; Financial CHOICE Act (H.R. 10); Community Financial Institution Exemption Act (H.R. 1264); Financial Services for the Underserved Act (H.R. 4665); Senior$afe Act (H.R. 3758/S. 223); Community Mortgage Lender Regulatory Act of 2017 (H.R. 1964); Securing Access to Affordable Mortgage Act of 2017 (H.R. 3221); Greater pre-emption authority for the NCUA; Mortgage Choice Act (H.R. 1153); Preserving Access to Manufactured Housing Act (H.R.1699/S. 1751); Consumer Financial Protection Board Act 2017 (S. 105); Financial Product Safety Commission Act of 2018 (H.R. 5266); TAILOR Act (H.R. 1116/S.366); CFPB Accountability Act of 2017 or the TABS Act of 2017 (H.R. 2553/S.387); Subject CFPB to Congressional appropriations process; Financial Institutions Examination Fairness and Reform Act (H.R. 4545/S. 2237); Expanding SBA business loan programs; Financial Institution Customer Protection Act (H.R. 2706); Financial services and general government appropriations bill; Home Mortgage Disclosure Adjustment Act (H.R. 2954/S. 1310); Home Mortgage Reporting Relief Act of 2017 (H.R. 4648); QM safe harbor for portfolio loans; Portfolio Lending and Mortgage Access Act (H.R. 2226/S. 2013); the Community Lending Enhancement and Regulatory Relief Act (H.R. 2133/S.1002); Common Sense Credit Union Capital Relief Act of 2017 (H.R. 4464); Risk-Based Capital; Common Sense Credit Union Capital Relief Act of 2018 (H.R. 5288/S.3750); Credit Score Competition Act (H.R. 898/S. 1685); Community Institution Mortgage Relief Act of 2017 (H.R. 3971); Small Business 7(a) Lending Oversight Reform Act (H.R. 4743/S.2283); Business of Insurance Regulatory Reform Act of 2017 (H.R. 3746); Subject non-depository GLBA institutions to regular examinations; require credit reporting agencies to notify depository institutions when one of their accounts is breached; Protecting Americans from Credit Entanglements Act (H.R. 1958/S.838); Making Online Banking Initiation Legal and Easy Act of 2017 (H.R. 1457); Economic Growth, Regulatory Relief and Consumer Protection Act (S. 2155); Securing Access to Affordable Mortgages Act (H.R. 3221); Protecting Consumers' Access to Credit Act of 2017 (H.R. 3299); H.R. 4296 - related to operational risk capital requirements; Lawsuit abuse related to website access requirements under the Americans with Disabilities Act; the ADA Education and Reform Act of 2017 (H.R. 620); CFPB Examination and Reporting Threshold Act (H.R. 3072). NCUA - Voluntary mergers; reforms to credit union capital requirements; supplemental capital for credit unions; FOM improvements; FCU interest rate cap; asset securitization authority for credit unions; Call report modernization; NCUSIF issues including NOL ratio and equity distribution; short-term small dollar lending; de novo charter process, approvals, and flexibility; consistent examination expectations; Issuance of clear UDAAP expectations; Exam appeals process; Codify IRPS; Bylaws ANPR; Capital Planning and Supervisory Stress Testing; Accuracy of Advertising; support for NCUA Regulatory Reform Agenda; Extend examination cycle for low-risk, well-run credit unions greater than $1 billion in assets; CFPB - Use of Section 1022 exemption authority; rulemakings related to debt collection, overdraft, qualified mortgage, ATR, mortgage servicing, consumer complaint database (and consumer inquiry handling process), Home Mortgage Disclosure Act (HMDA) requirements and reporting thresholds, implementation and examination, prepaid accounts; Section 1071 small business data collection; remittances rule and review; Truth in Lending Act/Real Estate Settlement Procedures Act (TILA/RESPA); free access to credit scores for consumers; Amendments to TILA/RESPA Integrated Disclosure Rule (TRID); Dept. of Treasury - Executive Order implementation, streamlining CDFI certifications, CDFI and CDRLF funding; cybersecurity interagency coordination; Regulation of FinTech companies; Do not subject credit unions to the Community Reinvestment Act (CRA); FCC - TCPA reform and requirements, interpretations, and litigation, fighting robocalls; FHFA - chattel loans/duty to serve; GSEs use of alternative credit scores; Credit Risk Transfer transactions; implementation of the Common Securitization Platform (CSP) and Single Security; FHLB Capital Requirements; FHLB role in mortgage market; SBA - Expanding CU participation in SBA lending; Dept. of Defense - Military Lending Act (MLA) Final Rule changes, guidance and implementation; IRS - guidance related to the tax reform bill, including executive compensation excise tax; Dept. of Labor - Revocation of Fiduciary Duty rule and Overtime rule; Dept. of Justice - ADA standards and guidance related to website accessibility; FTC - frivolous demand letters in violation of the Federal Trade Commission Act; FinCEN - Burden related to Suspicious Activities Reports (SARs) required under the Bank Secrecy Act (BSA) and Anti-Money Laundering (AML) rules, raising the required SAR reporting threshold; combating financial crimes; Federal Reserve - Regulation CC; acceptance of electronically signed loans as pledged collateral; role in payments system; Electronic Signatures; NIST - framework for Improving Critical Infrastructure Cybersecurity; Dept. of VA - Allowable Charges and Fees Assessed Incident to VA-Guaranteed Home Loans; FFIEC - evolution of the Cybersecurity Assessment Tool (CAT); FASB - CECL Accounting Standard implementation; Involuntary Liquidation of FCUs and Claims Procedures; Modernizing data collection for supervision of credit unions; FHFA's Affordable Housing Program; IRS oversight of credit unions; FinCEN's Customer Due Diligence Rule; CFPB Civil Investigative Demands and Associated processes; CFPB's Rules of Practice for Adjudication Proceedings; Collection of Checks and other items by Federal Reserve Banks and Funds Transfers Through Fedwire; CFPB's Enforcement Processes; Federal Credit Union Bylaws; CFPB's Supervision Program; Proposed Suspension and Debarment Procedures; FY'19 FSGG Appropriations Bill; CFPB's RFI regarding external engagements; Regulatory Review; CFPB's Rulemaking Processes; the Give Useful Information to Define Effective Compliance Act (H.R. 5534); the Counter Terrorism and Illicit Finance Act (H.R. 6068); Regulatory Changes in Light of S. 2155; CFPB's Adopted Regulations and New Rulemakings Authorities; Volker Rule; Feedback regarding operating vision for the US Faster Payments Council; CFPB's Inherited Regulations and Inherited Rulemaking Authorities; Title VII of H.R. 5841; CFPB financial education programs; financial literacy; Payday Alternative Loans (PALs); privacy risks regarding data sharing and section 1033 of Dodd-Frank; Disparate Impact Standard; Identity Fraud; Variable Interest Rates; Glass-Steagall Act; Credit Bureaus and the Fair Credit Reporting Act; NDAA - bank operations on military bases; USPS banking services; H.R. 5036, the Financial Technology Protection Act; H.R. 6743 - the Consumer Information Notification Requirement Act, NCUAs proposed rulemaking on loans and lines of credit (RIN 3133-AE88); CFPBs proposed policy to Encourage Trial Disclosure Program; NCUA budget; FHFAs Enterprise Capital Requirements (RIN 2590-AA95); FHFAs Uniform Mortgage-Backed Security (RIN 2590-AA94); NCUAs Real Estate Appraisals (3133-AE79); Potential Federal Reserve Actions to Support Interbank Settlement of Faster Payments, RFC (Docket No. OP-1625); SBAs Express Loan Programs; Affiliation Standards (RIN 3245-AG74); CFPB Data Collection and internal data governance policies RFI.

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

Government targets: Commodity Futures Trading Commission (CFTC), Consumer Financial Protection Bureau (CFPB), Defense, Dept of (DOD), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Financial Crimes Enforcement Network (FinCEN), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), Natl Institute of Standards & Technology (NIST), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, White House Office

Preserving the credit union tax exemption; Repeal of the Durbin Amendment on debit interchange; Regulatory relief for credit unions; Credit union exemptions from the CFPB; Reforms to the structure of the CFPB and its powers; data and cyber security - creation of a national data security standard; Housing Finance Reform - ensuring that credit unions have unfettered access to the secondary mortgage market based on loan quality rather than quantity; Member Business Lending - raise the arbitrary cap, raise the de minimis exclusion; exempt loans to veterans from the definition of MBL, and exclude non-owner occupied, 1-4-family dwellings from the calculation of the cap on credit union member business loans (H.R. 389/S. 836); Capital Access for Small Businesses and Jobs Act (H.R. 1244); TRID Improvement Act (H.R. 5078/S. 2490); Bank Secrecy Act; FCC Oversight; Patent Reform - provide relief from practices of patent trolls; NFIP - National flood insurance program; The REINS Act (H.R. 26/S. 21); Regulatory Flexibility Act; Improve or require agency regulatory guidance; Financial CHOICE Act (H.R. 10); Community Financial Institution Exemption Act (H.R. 1264); Financial Services for the Underserved Act (H.R. 4665); Senior$afe Act (H.R. 3758/S. 223); Community Mortgage Lender Regulatory Act of 2017 (H.R. 1964); Securing Access to Affordable Mortgage Act of 2017 (H.R. 3221); Greater pre-emption authority for the NCUA; Mortgage Choice Act (H.R. 1153); Preserving Access to Manufactured Housing Act (H.R.1699/S. 1751); Consumer Financial Protection Board Act 2017 (S. 105); Financial Product Safety Commission Act of 2018 (H.R. 5266); TAILOR Act (H.R. 1116/S.366); CFPB Accountability Act of 2017 or the TABS Act of 2017 (H.R. 2553/S.387); Subject CFPB to Congressional appropriations process; Financial Institutions Examination Fairness and Reform Act (H.R. 4545/S. 2237); Expanding SBA business loan programs; Financial Institution Customer Protection Act (H.R. 2706); Financial services and general government appropriations bill; Home Mortgage Disclosure Adjustment Act (H.R. 2954/S. 1310); Home Mortgage Reporting Relief Act of 2017 (H.R. 4648); QM safe harbor for portfolio loans; Portfolio Lending and Mortgage Access Act (H.R. 2226/S. 2013); the Community Lending Enhancement and Regulatory Relief Act (H.R. 2133/S.1002); Common Sense Credit Union Capital Relief Act of 2017 (H.R. 4464); Risk-Based Capital; Common Sense Credit Union Capital Relief Act of 2018 (H.R. 5288/S.3750); Credit Score Competition Act (H.R. 898/S. 1685); Community Institution Mortgage Relief Act of 2017 (H.R. 3971); Small Business 7(a) Lending Oversight Reform Act (H.R. 4743/S.2283); Business of Insurance Regulatory Reform Act of 2017 (H.R. 3746); Subject non-depository GLBA institutions to regular examinations; require credit reporting agencies to notify depository institutions when one of their accounts is breached; Protecting Americans from Credit Entanglements Act (H.R. 1958/S.838); Making Online Banking Initiation Legal and Easy Act of 2017 (H.R. 1457); Economic Growth, Regulatory Relief and Consumer Protection Act (S. 2155); Securing Access to Affordable Mortgages Act (H.R. 3221); Protecting Consumers' Access to Credit Act of 2017 (H.R. 3299); H.R. 4296 - related to operational risk capital requirements; Lawsuit abuse related to website access requirements under the Americans with Disabilities Act; the ADA Education and Reform Act of 2017 (H.R. 620); CFPB Examination and Reporting Threshold Act (H.R. 3072). NCUA - Voluntary mergers; reforms to credit union capital requirements; supplemental capital for credit unions; FOM improvements; FCU interest rate cap; asset securitization authority for credit unions; Call report modernization; NCUSIF issues including NOL ratio and equity distribution; short-term small dollar lending; de novo charter process, approvals, and flexibility; consistent examination expectations; Issuance of clear UDAAP expectations; Exam appeals process; Codify IRPS; Bylaws ANPR; Capital Planning and Supervisory Stress Testing; Accuracy of Advertising; support for NCUA Regulatory Reform Agenda; Extend examination cycle for low-risk, well-run credit unions greater than $1 billion in assets; CFPB - Use of Section 1022 exemption authority; rulemakings related to debt collection, overdraft, qualified mortgage, ATR, mortgage servicing, consumer complaint database (and consumer inquiry handling process), Home Mortgage Disclosure Act (HMDA) requirements and reporting thresholds, implementation and examination, prepaid accounts; Section 1071 small business data collection; remittances rule and review; Truth in Lending Act/Real Estate Settlement Procedures Act (TILA/RESPA); free access to credit scores for consumers; Amendments to TILA/RESPA Integrated Disclosure Rule (TRID); Dept. of Treasury - Executive Order implementation, streamlining CDFI certifications, CDFI and CDRLF funding; cybersecurity interagency coordination; Regulation of FinTech companies; Do not subject credit unions to the Community Reinvestment Act (CRA); FCC - TCPA reform and requirements, interpretations, and litigation, fighting robocalls; FHFA - chattel loans/duty to serve; GSEs use of alternative credit scores; Credit Risk Transfer transactions; implementation of the Common Securitization Platform (CSP) and Single Security; FHLB Capital Requirements; FHLB role in mortgage market; SBA - Expanding CU participation in SBA lending; Dept. of Defense - Military Lending Act (MLA) Final Rule changes, guidance and implementation; IRS - guidance related to the tax reform bill, including executive compensation excise tax; Dept. of Labor - Revocation of Fiduciary Duty rule and Overtime rule; Dept. of Justice - ADA standards and guidance related to website accessibility; FTC - frivolous demand letters in violation of the Federal Trade Commission Act; FinCEN - Burden related to Suspicious Activities Reports (SARs) required under the Bank Secrecy Act (BSA) and Anti-Money Laundering (AML) rules, raising the required SAR reporting threshold; combating financial crimes; Federal Reserve - Regulation CC; acceptance of electronically signed loans as pledged collateral; role in payments system; Electronic Signatures; NIST - framework for Improving Critical Infrastructure Cybersecurity; Dept. of VA - Allowable Charges and Fees Assessed Incident to VA-Guaranteed Home Loans; FFIEC - evolution of the Cybersecurity Assessment Tool (CAT); FASB - CECL Accounting Standard implementation; Involuntary Liquidation of FCUs and Claims Procedures; Modernizing data collection for supervision of credit unions; FHFA's Affordable Housing Program; IRS oversight of credit unions; FinCEN's Customer Due Diligence Rule; CFPB Civil Investigative Demands and Associated processes; CFPB's Rules of Practice for Adjudication Proceedings; Collection of Checks and other items by Federal Reserve Banks and Funds Transfers Through Fedwire; CFPB's Enforcement Processes; Federal Credit Union Bylaws; CFPB's Supervision Program; Proposed Suspension and Debarment Procedures; FY'19 FSGG Appropriations Bill; CFPB's RFI regarding external engagements; Regulatory Review; CFPB's Rulemaking Processes; the Give Useful Information to Define Effective Compliance Act (H.R. 5534); the Counter Terrorism and Illicit Finance Act (H.R. 6068); Regulatory Changes in Light of S. 2155; CFPB's Adopted Regulations and New Rulemakings Authorities; Volker Rule; Feedback regarding operating vision for the US Faster Payments Council; CFPB's Inherited Regulations and Inherited Rulemaking Authorities; Title VII of H.R. 5841; CFPB financial education programs; financial literacy; Payday Alternative Loans (PALs); privacy risks regarding data sharing and section 1033 of Dodd-Frank; Disparate Impact Standard; Identity Fraud; Variable Interest Rates; Glass-Steagall Act; Credit Bureaus and the Fair Credit Reporting Act; NDAA - bank operations on military bases; USPS banking services; H.R. 5036, the Financial Technology Protection Act; H.R. 6743 - the Consumer Information Notification Requirement Act, NCUAs proposed rulemaking on loans and lines of credit (RIN 3133-AE88); CFPBs proposed policy to Encourage Trial Disclosure Program; NCUA budget; FHFAs Enterprise Capital Requirements (RIN 2590-AA95); FHFAs Uniform Mortgage-Backed Security (RIN 2590-AA94); NCUAs Real Estate Appraisals (3133-AE79); Potential Federal Reserve Actions to Support Interbank Settlement of Faster Payments, RFC (Docket No. OP-1625); SBAs Express Loan Programs; Affiliation Standards (RIN 3245-AG74); CFPB Data Collection and internal data governance policies RFI.

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

Government targets: Commodity Futures Trading Commission (CFTC), Consumer Financial Protection Bureau (CFPB), Defense, Dept of (DOD), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Financial Crimes Enforcement Network (FinCEN), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), Natl Institute of Standards & Technology (NIST), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, White House Office

Mobile payments, fraud, data security, data storage regulatory reform, tax reporting, payments systems, cyber-security, financial services, merchant cash advances, privacy, the Federal Reserve and big data, CFPB prepaid products rule (Prepaid Accounts Under Direct Electronic Transfer Act {Regulation E} and the Truth in Lending Act), Federal Reserve Secure Payments Task Force, Marketplace lending, H.R. 10-Financial Choice Act of 2017, H.J. Res. 62/72-Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act, S.J.Res.19 - A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act, H. R. 1801-To delay the effective date of the final rule of the Bureau of Consumer Financial Protection titled Prepaid Accounts under the Electronic Fund Transfer Act (Regulation E) and the Truth In Lending Act (Regulation Z)", S. 387-Consumer Financial Protection Bureau Accountability Act of 2017, S. 626-CFPB-IG Act of 2017. CFPB Governance Structure. H.J.Res. 111, 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 "Arbitration Agreements." S.J.Res. 47, 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 "Arbitration Agreements". H.R. 4439, Modernizing Credit Opportunities Act of 2017. H.R. 3299, Protecting Consumers' Access to Credit Act of 2017. S. 1642, Protecting Consumers' Access to Credit Act of 2017. H.R. 3354, Make America Secure & Prosperous Appropriations Act. H.R. 6743, Consumer Information Notification Requirement Act. H.R. 6850, Financial Reporting Threshold Modernization Act. "Potential Federal Reserve Actions To Support Interbank Settlement of Faster Payments, Request for Comments" (Docket # OP-1625). OCC ANPR "Reforming the Community Reinvestment Act Regulatory Framework" (Docket # OCC-2018-0008).

Client expense: $280,000 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), Council of Economic Advisers (CEA), Federal Communications Commission (FCC), Federal Reserve System, Federal Trade Commission (FTC), Financial Crimes Enforcement Network (FinCEN), HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Economic Council (NEC), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of, U.S. Trade Representative (USTR)

H. Con. Res. 128, FY19 House Budget Resolution H.J.Res. 143, Making further continuing appropriations for FY 2019, and for other purposes H. Res. 787, Providing for consideration of the bill (H.R. 4566) to amend the Dodd-Frank Wall Street Reform and Consumer Protection Act to provide relief to nonbanks from certain stress test requirements under such Act; providing for consideration of the bill (H.R. 5247) to authorize the use of eligible investigational drugs by eligible patients who have been diagnosed with a stage of a disease or condition in which there is reasonable likelihood that death will occur within a matter of months, or with another eligible illness, and for other purposes; and for other purposes. H.R. 3, the Spending Cuts to Expired and Unnecessary Programs Act H.R. 695, Further Additional Continuing Appropriations Act, 2019 H.R. 2623, Lessening Regulatory Costs and Establishing a Federal Regulatory Budget H.R. 5961, Agriculture, Rural Development, & FDA Appropriations Act for FY 2019 S. 2976, Agriculture, Rural Development, & FDA Appropriations Act for FY 2019 H.R. 6147, Minibus II - FY 2019 Appropriations for Agriculture, Financial and General Government, Interior, and Transportation/HUD S. 3073, Interior and the Environment Appropriations H.R. 6258, House FY19 Financial Services and General Government Appropriations Act S. 3107, Senate FY19 Financial Services and General Government Appropriations Act H.R. 6776, FY 2019 Homeland Security Appropriations bill S. 3109, FY 2019 Homeland Security Appropriations bill H.R. 7264, Making further additional continuing appropriations for the FY 2019 and for other purposes S. 365, Make Taxpayers Fund CFPB S. 387, Consumer Financial Protection Bureau Accountability Act of 2017

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

Government targets: Commodity Futures Trading Commission (CFTC), Consumer Financial Protection Bureau (CFPB), Federal Communications Commission (FCC), Federal Retirement Thrift Investment Board, Food & Drug Administration (FDA), General Services Administration (GSA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Internal Revenue Service (IRS), Labor, Dept of (DOL), Merit Systems Protection Board, Natl Park Service (NPS), Office of Management & Budget (OMB), Office of Personnel Management (OPM), Office of Special Counsel, Office of the Comptroller of the Currency (OCC), Patent & Trademark Office (PTO), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of, U.S. Customs & Border Protection

Issues related to the Consumer Financial Protection Bureau and consumer financial protection, generally; H.R. 3746: Business of Insurance Regulatory Reform Act S.387: Consumer Financial Protection Bureau Accountability Act of 2017 H.R. 1018: CFPB Constitutional Reform Act of 2017 Issues related to Department of Labor's rule redefining Fiduciary under ERISA, generally: H.R. 355: Protecting American Families' Retirement Advice Act H.R. 2823: Affordable Retirement Advice for Savers Act S. 1321: Affordable Retirement Advice Protection Act H.R. 3758: Senior Safe Act of 2017

Client expense: $340,000 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), Consumer Financial Protection Bureau (CFPB), Federal Aviation Administration (FAA), Federal Communications Commission (FCC), Federal Emergency Management Agency (FEMA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Postal Regulatory Commission, SENATE, Securities & Exchange Commission (SEC), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Postal Service (USPS), U.S. Trade Representative (USTR)

Supplemental capital issues, regulatory issues for credit unions and tax exemption status: HR 10, HR 389, HR 1018, HR 1031, HR 1116, HR 1153, HR 1244, HR 1264, HR 1401, HR 1422, HR 1423, HR 1426, HR 1457, HR 1699, HR 1801, HR 1958, HR 1964, HR 2133, HR 2170, HR 2215, HR 2226, HR 2246, HR 2359, HR 2403, HR 2553, HR 2570, HR 2706, HR 2793, HR 2868, HR 2874, HR 2875, HR 2877, HR 2890, HR 2954, HR 3072, HR 3221, HR 3312, HR 3354, HR 3746, HR 3758, HR 3766, HR 3857, HR 3866, HR 3971, HR 3978, HR 4081, HR 4296, HR 4439, HR 4464, HR 4499, HR 4545, HR 4648, HR 4651, HR 4743, HR 4746, HR 4764, HR 4771, HR 4790, HR 4861, HR 4905, HR 5076, HR 5166, HR 5266, HR 5288, HR 5470, HR 5474, HR 5484, HR 5502, HR 5659, HR 5673, HR 5793, HR 5877, HR 5993, HR 6068, HR 6102, HR 6147, HR 6158, HR 6163, HR 6192, HR 6411, HR 6531, HR 6625, HR 6743, HR 6746, HR 6789, HR 6858, HR 6861, HR 6892, HR 6972; HJ Res 62, HJ Res 73, HJ Res 122, HJ Res 132; S 21, S 105, S 223, SJ Res 19, S 365, S 366, S 370, S 387, S 488, S 563, S 567, S 836, S 838, S 1002, S 1152, S 1264, S 1284, S 1313, S 1315, S 1368, S 1389, S 1499, S 1571, S 1579, S 1642, S 1753, S 1810, S 1962, S 1982, S 2171, S 2237, S 2289, S 2362, S 2375, S 2417, S 2490, S 2701, S 2702, S 2862, S 3032, S 3040, S 3070, S 3128, S 3139, S 3334, S 3343, S 3443; SJ Res 47 SJ Res 56, SJ Res 57; data security and cybersecurity: patent reform; FHLB membership rules; CFPB and FSOC reform; and GSE reform.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues Related to Cyber Security, Data Security & Breach Notification H.R. 6743, Consumer Information Notification Requirement Act Issues Related to Data Acquisition and Technology Accountability and Security Act Issues Related to the Consumer Financial Protection Bureau Legislation related to establishing a commission at the CFPB S. 105, Consumer Financial Protection Board Act of 2017, H.R. 5266 Financial Product Safety Commission Act of 2018 Issues related to the CFPBs rulemaking under the Home Mortgage Disclosure Act Issues related to anticipated rulemaking that would affect debt collection Issues related to Equal Credit Opportunity Act Issues related to CFPB Consumer Response Portal Issues related to CFPB Small-dollar Rule Issues related to Dodd-Frank Act, including Section 1071 S. 387, Consumer Financial Protection Bureau Accountability Act of 2017 H.R. 3601, Protecting Consumers from Frivolous Claims Act of 2017 Issues related to the Ability to Repay Rule, Qualified Mortgage Standards Issues related to Underbanked/Unbanked Consumers Issues related to CFPB No-Action Letter and Project Sandbox Proposal H.R. 5534, GUIDE Compliance Act H.R. 2553, TABS Act of 2017 Nomination of Kathy Kraninger, Director BCFP Issues Related to Student Loans Issues related to the reauthorization of the Higher Education Act Issues related to the CFPBs and Department of Educations actions on student lending Issues related to disclosures for federal student loans Legislation related to student loan refinancing programs Issues related to bankruptcy protections for student loans Issues related to federal student loan reform H.R. 4508, Promoting Real Opportunity, Success, and Prosperity through Education Reform Act H.R. 4119, The Student Loan Disclosure Modernization Act Issues Related to AML-BSA Reform Issues Related to FinCEN CDD Rule H.R. 6068 Counter Terrorism and Illicit Finance Act Issues Related to Appropriations H.R. 6258 & S. 3107 Financial Services & General Government Appropriations Act, 2019 H.R. 4439, Modernizing Credit Opportunities Act Issues Related to Deposit Advance Products H.R. 4861, EQUAL Act of 2018 Issues Related to the Fair Credit Reporting Act Issues Related to budget reconciliation Issues Related to FY18 budget Issues related to implementation of Public Law No: 115-97, Tax Cuts and Jobs Act. Issues related to S. 2237/H.R. 4545, Financial Institutions Examination Fairness and Reform Act Issues related to H.R. 6158, Brokered Deposit Affiliate-Subsidiary Modernization Act of 2018 Issues Related to the Community Reinvestment Act Issues Related to the Fair Credit Reporting Act H.R. 4028, Promoting Responsible Oversight of Transactions and Examinations of Credit Technology Act of 2017 Issues Related to Flood Insurance H.R. 2874, 21st Century Flood Reform Act S. 1571, National Flood Insurance Program Reauthorization Act of 2017 Issues Related to unfair, deceptive, or abusive acts or practices under Dodd-Frank Act Issues related to unfair or deceptive acts or practices under section 5 of the FTC Act Issues related to systemic risk designations Issues related to the Ensuring Quality Unbiased Access to Loans Act H.R. 2706, Financial Institution Customer Protection Act of 2017 Issues related to financial regulatory coordination Issues related to oversight of SBA 7(a) Loan Program Issues related to SBA Programs Commercial Real Estate Appraisal Threshold H.R. 6347/S. 3552, 7(a) Real Estate Appraisal Harmonization Act H.R. 6348/S. 3553, Small Business ACE Act Issues related to H.R. 4452, Right to Lend Act of 2017 Issues related to S. 1642/H.R. 3299, Protecting Consumers Access to Credit Act of 2017 Issues related to S. 2155 Economic Growth, Regulatory Relief, and Consumer Protection Act Issues Related to FinTech Issues related to the E-SIGN Act H.R. 3299, Protecting Consumers Access to Credit Act of 2017 Issues related to H.R. 3857, Protecting Advice for Small Savers Act of 2017 Issues related to the Bank Secrecy Act and Anti-Money Laundering Issues related to the Counter Terrorism & Illicit Finance Act Regulations: Equal Credit Opportunity issues, Regulation B, 12 CFR Part 1002 Home Mortgage Disclosure Act Issues, Regulation C, 12 CFR Part 1003 Fair Debt Collection Practices Issues, Regulation F, 12 CFR Part 1006 Privacy Issues, 12 CFR Parts 40, 216, 332, 1016 Fair Credit Reporting Issues, 12 CFR Parts 41, 171, 334, 1022 Real Estate Settlement Procedures Issues, Regulation X, 12 CFR Part 1024 Truth in Lending Issues, Regulation Z, 12 CFR Part 1026 Disclosure of Records and Information, 12 CFR Part 1070 Regulations related to the Dodd-Frank Act, Pub. L. No. 111-203 Issues related to the Higher Education Act Issues related to Telephone Consumer Protection Act, 47 U.S.C. 227 Issues related to Electronic Fund Transfer Act, regulation E, 15 U.S.C. 1693 Issues related to FDIC Deposit Insurance Issues related to the Paperwork Reduction Act Issues related to the Military Lending Act Community Reinvestment Act Regulations & Q&A issues Issues related to the Servicemembers Civil Relief Act Issues related to Small Business Act Issues related to FCC & FTC Do Not Call Registry Issues related to the Bank Secrecy Act and Anti-Money Laundering rules Issues related to the Counter Terrorism & Illicit Finance Act Issues related to the CFPB Request for Information Process Issues related to FinCEN Due Diligence Rule S.A.F.E. Mortgage Licensing Act - Regulation G Privacy of Consumer Financial Information - Regulation P Truth in Saving - Regulation DD

Client expense: $1,700,000 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), Defense, Dept of (DOD), Education, Dept of, Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of

H.R. 1426/ S. 367, Federal Savings Association Charter Flexibility Act of 2017 H.R. 5266, The Financial Product Safety Commission Act S. 105, Consumer Financial Protection Board Act of 2017 S. 387, The CFPB Accountability Act of 2017 H.R. 2553, TABS Act of 2017 H.R. 7378, Guidance Clarity Act H.R. 6147, Interior, Environment, Financial Services and General Government, Agriculture, Rural Development, Food and Drug Administration, and Transportation, Housing and Urban Development Appropriations Act, 2019 BCFP Oversight Federal Reserve System Reform

Client expense: $2,130,000 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Labor, Dept of (DOL), Natl Economic Council (NEC), Office of Management & Budget (OMB), SENATE, Treasury, Dept of

H.R. 10 Financial Regulatory Reform H.R. 45 Financial Regulatory Reform H.R. 70 Federal Advisory Committee Act Amendments H.R. 493 Wall Street H.R. 585 Pre-Dispute Arbitration Agreement Prohibition H.R. 832 Consumer Financial Products Dispute Proceedings H.R. 1018 Director of the Bureau of Consumer Financial Protection H.R. 1031 Bureau of Consumer Financial Protection H.R. 1459 Regular Appropriations Process S. 365 Fund Transfer Funding Cap S. 370 Bureau of Consumer Financial Protection S. 387 Consumer Financial Protection Bureau Appropriations H.R. 2553 Bureau of Consumer Financial Protection H.R. 2750 Office of Financial Research Independent Funding S. 923 Financial Institutions Regulations Exemption H.R. 3312 Bank Holding Companies and Enhanced Supervision S. 1579 Consumer Financial Protection Advisory Boards S. 1744 Securities and Exchange Commission Regulations H.R. 4061 Financial Stability Oversight Council H.R. 4293 Comprehensive Capital Analysis and Review Process H.R. 4302 Congressional Accountability for Emergency Lending H.R. 4625 Development & Implementation of Artificial Intelligence H.R. 5266 Financial Product Safety Commission S. 2217 Development & Implementation of Artificial Intelligence H.R. 5470 Office of Financial Research H.R. 5534 Procedures for Guidance S. 2702 Authority of Bureau of Consumer Financial Protection H.R. 6741 Monetary Policy Transparency and Accountability H.R. 2133 CLEARR Act of 2017 S. 3443 Consumer Financial Protection Guidance Procedures H.R. 6972 Consumer Financial Protection Bureau

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

Government targets: Commerce, Dept of (DOC), Executive Office of the President (EOP), Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), HOUSE OF REPRESENTATIVES, Natl Credit Union Administration (NCUA), Natl Economic Council (NEC), Natl Security Council (NSC), SENATE, Transportation, Dept of (DOT), Treasury, Dept of, U.S. Trade Representative (USTR)

H.R.916 To amend the Congressional Budget and Impoundment Control Act of 1974 to prohibit the use of guarantee fees as offsets. H.R.1018 To replace the Director of the Bureau ofConsumerFinancialProtectionwith a 5-person commission, and for other purposes. H.R.1116 TAILOR Act H.R. 1153 Mortgage Choice Act of 2017 H.R.1257 Securities and Exchange Commission Overpayment Credit Act H.R.1366 U.S. Territories Investor Protection Act of 2017 H.R.389 Credit Union Residential Loan Parity Act H.R.491 Let the GSEs Pay Us Back Act of 2017 H.R.815 To amend title 38, United States Code, to adjust certain limits on the guaranteed amount of a home loan under the home loan program of the Department of Veterans Affairs. H.R.910 Fair Access to Investment Research Act of 2017 H.R.1219 Supporting America's Innovators Act of 2017 H.R. 1637 RIGHTS at the CFPB Act of 2017 H.R. 2133 CLEARR Act H.R. 2226 Portfolio Lending and Mortgage Access Act H.R. 2890 Housing Opportunity Mortgage Expansion Act H.R. 4278 Independence from Credit Policy Act of 2017 H.R. 2148 Clarifying Commercial Real Estate Loans H.R. 2954 Home Mortgage Disclosure Adjustment Act H.R. 4607 Comprehensive Regulatory Review Act H.R. 3221 Securing Access to Affordable Mortgages Act H.R. 3299 Protecting Consumers' Access to Credit Act of 2017 H.R. 3978 TRID Improvement Act of 2017 H.R. 1264 Community Financial Institution Exemption Act H.R. 5266 Financial Product Safety Commission Act H.R. 4545 Financial Institutions Examination Fairness & Reform Act H.R. 5534 GUIDE Compliance Act H.R. 6147 the Interior, Environment, Financial Services, and General Government Appropriations Act, 2019 H.R. 6737 Protect Affordable Mortgages for Veterans Act of 2018 H.R. 695 Department of Defense Appropriations Act, 2018 S.105 Consumer Financial Protection Board Act of 2017 S.365 A bill to amend theConsumerFinancialProtectionAct of 2010 to remove the funding cap relating to the transfer of funds from the Board of Governors of the Federal Reserve System to the Bureau ofConsumerFinancialProtection, and for other purposes. S.366 TAILOR Act S.370 A bill to eliminate the Bureau of Consumer Financial Protection by repealing title X of the Dodd-Frank Wall Street Reform and Consumer Protection Act, commonly known as the Consumer Financial Protection Act of 2010. S.387 A bill to amend theConsumerFinancialProtectionAct of 2010 to subject the Bureau ofConsumerFinancialProtectionto the regular appropriations process, and for other purposes. S. 626 CFPB-IG Act of 2017 S. 2304 A bill to amend title 38, United States Code, to protect veterans from predatory lending, and for other purposes. S. 488 JOBS and Investor Confidence Act of 2018 S. 3401 Self-Employed Mortgage Access Act of 2018 S. 3443 GUIDE Compliance Act S. 3726 Protect Affordable Mortgages for Veterans Act of 2018 S. 3536 Protect Affordable Mortgages for Veterans Act of 2018

Client expense: $626,213 · Firm income: Not reported

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

Authority of CFPB CFPB Office of Fair Lending and Equal Opportunity Funding of CFPB H.R. 10, Financial CHOICE Act H.R. 1153, the "Mortgage Choice Act" H.R. 2570, the "Mortgage Fairness Act of 2017" H.R. 3072, the "Bureau of Consumer Financial Protection Examination and Reporting Threshold Act of 2017" H.R. 3299, the "Protecting Consumers Access to Credit Act of 2017" HR 4439 -- Modernizing Credit Opportunities Act Legislation affecting Consumer Financial Protection Bureau staffing S. 2417 -- the Stopping Abuse & Fraud in Electronic (SAFE) Lending Act SEC fiduciary rule S.J. Res. 57, H.J. Res. 132 CRA for CFPB Guidance on Indirect Auto-Lending S.J. Res 56/H.J. 122 CRA for CFPB Payday Rule S. 387 -- Consumer Financial Protection Bureau Accountability Act of 2017 HR 1018 -- CFPB Constitutional Reform Act of 2017 HR 5534 Give Useful Information to Define Effective Guidance (GUIDE) Act HR 6743 Consumer Information Notification Requirement Act HR 6972 Consumers First Act S 3503 American Housing and Economic Mobility Act S.488 - JOBS and Investor Confidence Act of 2018 Reg BI Whistleblower program

Client expense: $83,504 · Firm income: Not reported

Government targets: Commodity Futures Trading Commission (CFTC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

H. Con. Res. 128, FY19 House Budget Resolution H. Res. 787, Providing for consideration of the bill (H.R. 4566) to amend the Dodd-Frank Wall Street Reform and Consumer Protection Act to provide relief to nonbanks from certain stress test requirements under such Act; providing for consideration of the bill (H.R. 5247) to authorize the use of eligible investigational drugs by eligible patients who have been diagnosed with a stage of a disease or condition in which there is reasonable likelihood that death will occur within a matter of months, or with another eligible illness, and for other purposes; and for other purposes. H.R. 3, the Spending Cuts to Expired and Unnecessary Programs Act H.R. 2623, Lessening Regulatory Costs and Establishing a Federal Regulatory Budget H.R. 5895, Minibus I - FY19 Appropriations for Energy and Water, Military Construction - Veterans Affairs, and Legislative Branch S. 2975, Minibus I - FY19 Appropriations for Energy and Water, Military Construction - Veterans Affairs, and Legislative Branch H.R. 5961, Agriculture, Rural Development, & FDA Appropriations Act for FY 2019 S. 2976, Agriculture, Rural Development, & FDA Appropriations Act for FY 2019 H.R. 6147, Minibus II - FY 2019 Appropriations for Agriculture, Financial and General Government, Interior, and Transportation/HUD S. 3073, Interior and the Environment Appropriations H.R. 6157, Minibus III - a Consolidated Appropriations Measure for FY 2019 DOD, Labor/HHS/Education, and a CR H.R. 6258, House FY19 Financial Services and General Government Appropriations Act S. 3107, Senate FY19 Financial Services and General Government Appropriations Act H.R. 6470, Labor/HHS Appropriations bill S. 3158, FY19 Labor/HHS Appropriations bill H.R. 6776, FY 2019 Homeland Security Appropriations bill S. 3109, FY 2019 Homeland Security Appropriations bill S. 365, Make Taxpayers Fund CFPB S. 387, Consumer Financial Protection Bureau Accountability Act of 2017

Client expense: $240,000 · Firm income: Not reported

Government targets: Commodity Futures Trading Commission (CFTC), Consumer Financial Protection Bureau (CFPB), Federal Communications Commission (FCC), Federal Retirement Thrift Investment Board, Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Internal Revenue Service (IRS), Labor, Dept of (DOL), Merit Systems Protection Board, Natl Park Service (NPS), Office of Management & Budget (OMB), Office of Personnel Management (OPM), Office of Special Counsel, Office of the Comptroller of the Currency (OCC), Patent & Trademark Office (PTO), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of, U.S. Customs & Border Protection

Issues related to the Consumer Financial Protection Bureau and consumer financial protection, generally; H.R. 3746: Business of Insurance Regulatory Reform Act S.387: Consumer Financial Protection Bureau Accountability Act of 2017 H.R. 1018: CFPB Constitutional Reform Act of 2017 Issues related to Department of Labor's rule redefining Fiduciary under ERISA, generally: H.R. 355: Protecting American Families' Retirement Advice Act H.R. 2823: Affordable Retirement Advice for Savers Act S. 1321: Affordable Retirement Advice Protection Act H.R. 3758: Senior Safe Act of 2017

Client expense: $420,000 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), Consumer Financial Protection Bureau (CFPB), Federal Aviation Administration (FAA), Federal Communications Commission (FCC), Federal Emergency Management Agency (FEMA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Postal Regulatory Commission, SENATE, Securities & Exchange Commission (SEC), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Postal Service (USPS), U.S. Trade Representative (USTR)

S.366 / H.R. 1116 - 115th Congress (2017-2018), TAILOR Act of 2017: Would require regulatory agencies to take risk profiles and business models into account when crafting new regulations and requires agencies to examine all regulations issued since passage of Dodd-Frank in 2010 to make sure they comply with TAILOR Act. H.R.1264 - 115th Congress (2017-2018), Community Financial Institution Exemption Act: Would provide that community financial institutions with under $50 billion in assets are exempt from CFPB regulations unless the CFPB can demonstrate harm to consumers. H.R.1244 - 115th Congress (2017-2018), Capital Access for Small Business and Jobs Act: Would provide credit unions relief from the NCUAs risk-based capital rule and allow credit unions to raise capital from sources other than retained earnings. S.105 - 115th Congress (2017-2018), Consumer Financial Protection Board Act of 2017: Would establish a five-member, bipartisan board of directors for the CFPB. S.387 - 115th Congress (2017-2018), Consumer Financial Protection Bureau Accountability Act of 2017: Subjects the CFPB to annual appropriations process rather than receiving funding via Federal Reserve System transfers. Raising or eliminating Member Business Lending cap. Credit Union tax exemption.

Client expense: Not reported · Firm income: Not reported

H.R. 10 Financial Regulatory Reform H.R. 45 Financial Regulatory Reform H.R. 70 Federal Advisory Committee Act Amendments H.R. 493 Wall Street H.R. 585 Pre-Dispute Arbitration Agreement Prohibition H.R. 832 Consumer Financial Products Dispute Proceedings H.R. 1018 Director of the Bureau of Consumer Financial Protection H.R. 1031 Bureau of Consumer Financial Protection H.R. 1459 Regular Appropriations Process S. 365 Fund Transfer Funding Cap S. 370 Bureau of Consumer Financial Protection S. 387 Consumer Financial Protection Bureau Appropriations H.R. 2553 Bureau of Consumer Financial Protection H.R. 2750 Office of Financial Research Independent Funding S. 923 Financial Institutions Regulations Exemption H.R. 3312 Bank Holding Companies and Enhanced Supervision S. 1579 Consumer Financial Protection Advisory Boards S. 1744 Securities and Exchange Commission Regulations H.R. 4061 Financial Stability Oversight Council H.R. 4293 Comprehensive Capital Analysis and Review Process H.R. 4302 Congressional Accountability for Emergency Lending H.R. 4625 Development & Implementation of Artificial Intelligence H.R. 5266 Financial Product Safety Commission S. 2217 Development & Implementation of Artificial Intelligence H.R. 5470 Office of Financial Research H.R. 5534 Procedures for Guidance S. 2702 Authority of Bureau of Consumer Financial Protection H.R. 6741 Monetary Policy Transparency and Accountability H.R. 2133 CLEARR Act of 2017 S. 3443 Consumer Financial Protection Guidance Procedures

Client expense: $1,070,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Executive Office of the President (EOP), Federal Emergency Management Agency (FEMA), HOUSE OF REPRESENTATIVES, Natl Economic Council (NEC), Natl Security Council (NSC), SENATE, Transportation, Dept of (DOT), Treasury, Dept of, U.S. Trade Representative (USTR)

Mobile payments, fraud, data security, data storage regulatory reform, tax reporting, payments systems, cyber-security, financial services, merchant cash advances, privacy, the Federal Reserve and big data, CFPB prepaid products rule (Prepaid Accounts Under Direct Electronic Transfer Act {Regulation E} and the Truth in Lending Act), Federal Reserve Secure Payments Task Force, Marketplace lending, H.R. 10-Financial Choice Act of 2017, H.J. Res. 62/72-Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act, S.J.Res.19 - A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act, H. R. 1801-To delay the effective date of the final rule of the Bureau of Consumer Financial Protection titled Prepaid Accounts under the Electronic Fund Transfer Act (Regulation E) and the Truth In Lending Act (Regulation Z)", S. 387-Consumer Financial Protection Bureau Accountability Act of 2017, S. 626-CFPB-IG Act of 2017. CFPB Governance Structure. H.J.Res. 111, 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 "Arbitration Agreements." S.J.Res. 47, 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 "Arbitration Agreements". H.R. 4439, Modernizing Credit Opportunities Act of 2017. H.R. 3299, Protecting Consumers' Access to Credit Act of 2017. S. 1642, Protecting Consumers' Access to Credit Act of 2017. H.R. 3354, Make America Secure & Prosperous Appropriations Act. H.R. 6743, Consumer Information Notification Requirement Act. H.R. 6850, Financial Reporting Threshold Modernization Act.

Client expense: $240,000 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), Council of Economic Advisers (CEA), Federal Communications Commission (FCC), Federal Reserve System, Federal Trade Commission (FTC), Financial Crimes Enforcement Network (FinCEN), HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Economic Council (NEC), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of, U.S. Trade Representative (USTR)

Supplemental capital issues, regulatory issues for credit unions and tax exemption status: HR 10, HR 389, HR 1018, HR 1031, HR 1116, HR 1153, HR 1244, HR 1264, HR 1401, HR 1422, HR 1423, HR 1426, HR 1457, HR 1699, HR 1801, HR 1958, HR 1964, HR 2133, HR 2170, HR 2215, HR 2226, HR 2246, HR 2359, HR 2403, HR 2553, HR 2570, HR 2706, HR 2793, HR 2868, HR 2874, HR 2875, HR 2877, HR 2890, HR 2954, HR 3072, HR 3110, HR 3221, HR 3312, HR 3354, HR 3746, HR 3758, HR 3766, HR 3857, HR 3866, HR 3971, HR 3978, HR 4081, HR 4296, HR 4439, HR 4464, HR 4499, HR 4545, HR 4648, HR 4651, HR 4743, HR 4746, HR 4764, HR 4771, HR 4790, HR 4861, HR 4905, HR 5076, HR 5166, HR 5266, HR 5288, HR 5470, HR 5474, HR 5484, HR 5502, HR 5659, HR 5673, HR 5793, HR 5877, HR 5993, HR 6068, HR 6102, HR 6147, HR 6158, HR 6163, HR 6192, HR 6411, HR 6531, HR 6625, HR 6743, HR 6746, HR 6789, HR 6858, HR 6861, HR 6892, HR 6972; HJ Res 62, HJ Res 73, HJ Res 122, HJ Res 132; S 21, S 105, S 223, SJ Res 19, S 365, S 366, S 370, S 387, S 488, S 563, S 567, S 836, S 838, S 1002, S 1152, S 1264, S 1284, S 1313, S 1315, S 1368, S 1389, S 1499, S 1571, S 1579, S 1642, S 1753, S 1810, S 1962, S 1982, S 2155, S 2171, S 2237, S 2289, S 2362, S 2375, S 2417, S 2490, S 2701, S 2702, S 2862, S 3032, S 3040, S 3070, S 3128, S 3139, S 3334, S 3343, S 3443; SJ Res 47 SJ Res 56, SJ Res 57; data security and cybersecurity: patent reform; FHLB membership rules; CFPB and FSOC reform; and GSE reform.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues Related to Cyber Security, Data Security & Breach Notification H.R. 6743, Consumer Information Notification Requirement Act Issues Related to Data Acquisition and Technology Accountability and Security Act Issues Related to the Consumer Financial Protection Bureau Legislation related to establishing a commission at the CFPB S. 105, Consumer Financial Protection Board Act of 2017, H.R. 5266 Financial Product Safety Commission Act of 2018 Issues related to the CFPBs rulemaking under the Home Mortgage Disclosure Act Issues related to Implementation of the TILA/RESPA Integrated Disclosures Issues related to anticipated rulemaking that would affect debt collection Issues related to Equal Credit Opportunity Act Issues related to CFPB Consumer Response Portal Issues related to Auto Guidance Issues related to CFPB Small-dollar Rule Issues related to H.R. 10, the Financial Choice Act of 2017 Issues related to Dodd-Frank Act, including Section 1071 S. 387, Consumer Financial Protection Bureau Accountability Act of 2017 H.R. 3601, Protecting Consumers from Frivolous Claims Act of 2017 H.R. 5534, GUIDE Compliance Act H.R. 3625, CFPB-IG Act of 2017 H.R. 2553, TABS Act of 2017 Nomination of Kathy Kraninger, Director BCFP Issues Related to Student Loans Issues related to the reauthorization of the Higher Education Act Issues related to the CFPBs and Department of Educations actions on student lending H.R. 1283/S. 749, Transparency in Student Lending H.R. 1635, Empowering Students Through Enhanced Financial Counseling Act Issues related to disclosures for federal student loans Legislation related to student loan refinancing programs Issues related to bankruptcy protections for student loans Issues related to federal student loan reform H.R. 4508, Promoting Real Opportunity, Success, and Prosperity through Education Reform Act H.R. 4119, The Student Loan Disclosure Modernization Act S. 1066, Federal Adjustment in Reporting Student Credit Act Issues Related to AML-BSA Reform Issues Related to FinCEN CDD Rule H.R. 6068 Counter Terrorism and Illicit Finance Act Issues Related to Appropriations H.R. 6258 & S. 3107 Financial Services & General Government Appropriations Act, 2019 H.R. 4439, Modernizing Credit Opportunities Act Issues Related to Deposit Advance Products H.R. 4861, EQUAL Act of 2018 Issues Related to the Fair Credit Reporting Act H.R. 2359 FCRA Liability Harmonization Act Issues Related to budget reconciliation Issues Related to FY18 budget Issues related to implementation of Public Law No: 115-97, Tax Cuts and Jobs Act. Issues related to S. 2237/H.R. 4545, Financial Institutions Examination Fairness and Reform Act Issues related to H.R. 2133, the Community Lending Enhancement and Regulatory Relief Act of 2017 Issues related to H.R. 924, the Financial Institutions Due Process Act of 2017 Issues related to H.R. 2396, the Privacy Notification Technical Clarification Act Issues related to H.R. 4607, Comprehensive Regulatory Review Act Issues related to H.R. 4648, Home Mortgage Reporting Relief Act Issues related to H.R. 6158, Brokered Deposit Affiliate-Subsidiary Modernization Act of 2018 Issues Related to the Community Reinvestment Act Issues Related to the Fair Credit Reporting Act H.R. 4028, Promoting Responsible Oversight of Transactions and Examinations of Credit Technology Act of 2017 Issues Related to Flood Insurance H.R. 2874, 21st Century Flood Reform Act S. 1571, National Flood Insurance Program Reauthorization Act of 2017 Issues Related to unfair, deceptive, or abusive acts or practices under Dodd-Frank Act Issues Related to systemic risk designations S. 1893/H.R. 3312, Systemic Risk Designation Improvement Act of 2017 Issues related to the Ensuring Quality Unbiased Access to Loans Act H.R. 2706, Financial Institution Customer Protection Act of 2017 Issues related to financial regulatory coordination Issues related to oversight of SBA 7(a) Loan Program H.R. 4743/S. 2283, Small Business 7(a) Lending Oversight Reform Act of 2018 Issues related to SBA Programs Commercial Real Estate Appraisal Threshold H.R. 6347, 7(a) Real Estate Appraisal Harmonization Act H.R. 6348, Small Business ACE Act Issues related to H.R. 4452, Right to Lend Act of 2017 Issues related to S. 1642/H.R. 3299, Protecting Consumers Access to Credit Act of 2017 Issues related to S. 2155 Economic Growth, Regulatory Relief, and Consumer Protection Act Issues Related to FinTech HR. 1457, the Making Online Banking Initiation Legal and Easy Act of 2017 Issues related to the E-SIGN Act S. 2854 MOBILE Act of 2018 H.R. 3299, Protecting Consumers Access to Credit Act of 2017 Issues related to H.R. 3857, Protecting Advice for Small Savers Act of 2017 Issues related to the Bank Secrecy Act and Anti-Money Laundering Issues related to the Counter Terrorism & Illicit Finance Act Regulations: Equal Credit Opportunity issues, Regulation B, 12 CFR Part 1002 Home Mortgage Disclosure Act Issues, Regulation C, 12 CFR Part 1003 Fair Debt Collection Practices Issues, Regulation F, 12 CFR Part 1006 Privacy Issues, 12 CFR Parts 40, 216, 332, 1016 Fair Credit Reporting Issues, 12 CFR Parts 41, 171, 334, 1022 Real Estate Settlement Procedures Issues, Regulation X, 12 CFR Part 1024 Truth in Lending Issues, Regulation Z, 12 CFR Part 1026 Disclosure of Records and Information, 12 CFR Part 1070 Regulations related to the Dodd-Frank Act, Pub. L. No. 111-203 Issues related to the Higher Education Act Issues related to Telephone Consumer Protection Act, 47 U.S.C. 227 Issues related to Electronic Fund Transfer Act, regulation E, 15 U.S.C. 1693 Issues related to FDIC Deposit Insurance Issues related to the Paperwork Reduction Act Issues related to the Military Lending Act Community Reinvestment Act Regulations & Q&A issues Issues related to the Servicemembers Civil Relief Act Issues related to Small Business Act Issues related to FCC & FTC Do Not Call Registry Issues related to the Bank Secrecy Act and Anti-Money Laundering rules Issues related to the Counter Terrorism & Illicit Finance Act Issues related to the CFPB Request for Information Process Issues related to FinCEN Due Diligence Rule S.A.F.E. Mortgage Licensing Act - Regulation G Privacy of Consumer Financial Information - Regulation P Truth in Saving - Regulation DD

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

Government targets: Consumer Financial Protection Bureau (CFPB), Defense, Dept of (DOD), Education, Dept of, Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of

Issues related to the Consumer Financial Protection Bureau and consumer financial protection, generally; H.R. 3746: Business of Insurance Regulatory Reform Act S.387: Consumer Financial Protection Bureau Accountability Act of 2017 H.R. 1018: CFPB Constitutional Reform Act of 2017 Issues related to Department of Labor's rule redefining Fiduciary under ERISA, generally: H.R. 355: Protecting American Families' Retirement Advice Act H.R. 2823: Affordable Retirement Advice for Savers Act S. 1321: Affordable Retirement Advice Protection Act H.R. 3758: Senior Safe Act of 2017

Client expense: $650,000 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), Consumer Financial Protection Bureau (CFPB), Federal Aviation Administration (FAA), Federal Communications Commission (FCC), Federal Emergency Management Agency (FEMA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Postal Regulatory Commission, SENATE, Securities & Exchange Commission (SEC), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Postal Service (USPS), U.S. Trade Representative (USTR)

Preserving the credit union tax exemption; Repeal of the Durbin Amendment on debit interchange; Regulatory relief for credit unions; Credit union exemptions from the CFPB; Reforms to the structure of the CFPB and its powers; data and cyber security - creation of a national data security standard; Housing Finance Reform - ensuring that credit unions have unfettered access to the secondary mortgage market based on loan quality rather than quantity; Member Business Lending - raise the arbitrary cap, raise the de minimis exclusion; exempt loans to veterans from the definition of MBL, and exclude non-owner occupied, 1-4-family dwellings from the calculation of the cap on credit union member business loans (H.R. 389/S. 836); Capital Access for Small Businesses and Jobs Act (H.R. 1244); TRID Improvement Act (H.R. 5078/S. 2490); Bank Secrecy Act; FCC Oversight; Patent Reform - provide relief from practices of patent trolls; NFIP - National flood insurance program; The REINS Act (H.R. 26/S. 21); Regulatory Flexibility Act; Improve or require agency regulatory guidance; Financial CHOICE Act (H.R. 10); Community Financial Institution Exemption Act (H.R. 1264); Financial Services for the Underserved Act (H.R. 4665); Senior$afe Act (H.R. 3758/S. 223); Community Mortgage Lender Regulatory Act of 2017 (H.R. 1964); Securing Access to Affordable Mortgage Act of 2017 (H.R. 3221); Greater pre-emption authority for the NCUA; Mortgage Choice Act (H.R. 1153); Preserving Access to Manufactured Housing Act (H.R.1699/S. 1751); Consumer Financial Protection Board Act 2017 (S. 105); Financial Product Safety Commission Act of 2018 (H.R. 5266); TAILOR Act (H.R. 1116/S.366); CFPB Accountability Act of 2017 or the TABS Act of 2017 (H.R. 2553/S.387); Subject CFPB to Congressional appropriations process; Financial Institutions Examination Fairness and Reform Act (H.R. 4545/S. 2237); Expanding SBA business loan programs; Financial Institution Customer Protection Act (H.R. 2706); Financial services and general government appropriations bill; Home Mortgage Disclosure Adjustment Act (H.R. 2954/S. 1310); Home Mortgage Reporting Relief Act of 2017 (H.R. 4648); QM safe harbor for portfolio loans; Portfolio Lending and Mortgage Access Act (H.R. 2226/S. 2013); the Community Lending Enhancement and Regulatory Relief Act (H.R. 2133/S.1002); Common Sense Credit Union Capital Relief Act of 2017 (H.R. 4464); Risk-Based Capital; Common Sense Credit Union Capital Relief Act of 2018 (H.R. 5288); Credit Score Competition Act (H.R. 898/S. 1685); Community Institution Mortgage Relief Act of 2017 (H.R. 3971); Small Business 7(a) Lending Oversight Reform Act (H.R. 4743/S.2283); Business of Insurance Regulatory Reform Act of 2017 (H.R. 3746); Subject non-depository GLBA institutions to regular examinations; require credit reporting agencies to notify depository institutions when one of their accounts is breached; Protecting Americans from Credit Entanglements Act (H.R. 1958/S.838); Making Online Banking Initiation Legal and Easy Act of 2017 (H.R. 1457); Economic Growth, Regulatory Relief and Consumer Protection Act (S. 2155); Securing Access to Affordable Mortgages Act (H.R. 3221); Protecting Consumers' Access to Credit Act of 2017 (H.R. 3299); H.R. 4296 - related to operational risk capital requirements; Lawsuit abuse related to website access requirements under the Americans with Disabilities Act; the ADA Education and Reform Act of 2017 (H.R. 620); CFPB Examination and Reporting Threshold Act (H.R. 3072). NCUA - Voluntary mergers; reforms to credit union capital requirements; supplemental capital for credit unions; FOM improvements; FCU interest rate cap; asset securitization authority for credit unions; Call report modernization; NCUSIF issues including NOL ratio and equity distribution; short-term small dollar lending; de novo charter process, approvals, and flexibility; consistent examination expectations; Issuance of clear UDAAP expectations; Exam appeals process; Codify IRPS; Bylaws ANPR; Capital Planning and Supervisory Stress Testing; Accuracy of Advertising; support for NCUA Regulatory Reform Agenda; Extend examination cycle for low-risk, well-run credit unions greater than $1 billion in assets; CFPB - Use of Section 1022 exemption authority; rulemakings related to debt collection, overdraft, qualified mortgage, ATR, mortgage servicing, consumer complaint database (and consumer inquiry handling process), Home Mortgage Disclosure Act (HMDA) requirements and reporting thresholds, implementation and examination, prepaid accounts; Section 1071 small business data collection; remittances rule and review; Truth in Lending Act/Real Estate Settlement Procedures Act (TILA/RESPA); free access to credit scores for consumers; Amendments to TILA/RESPA Integrated Disclosure Rule (TRID); Dept. of Treasury - Executive Order implementation, streamlining CDFI certifications, CDFI and CDRLF funding; cybersecurity interagency coordination; Regulation of FinTech companies; Do not subject credit unions to the Community Reinvestment Act (CRA); FCC - TCPA reform and requirements, interpretations, and litigation, fighting robocalls; FHFA - chattel loans/duty to serve; GSEs use of alternative credit scores; Credit Risk Transfer transactions; implementation of the Common Securitization Platform (CSP) and Single Security; FHLB Capital Requirements; FHLB role in mortgage market; SBA - Expanding CU participation in SBA lending; Dept. of Defense - Military Lending Act (MLA) Final Rule changes, guidance and implementation; IRS - guidance related to the tax reform bill, including executive compensation excise tax; Dept. of Labor - Revocation of Fiduciary Duty rule and Overtime rule; Dept. of Justice - ADA standards and guidance related to website accessibility; FTC - frivolous demand letters in violation of the Federal Trade Commission Act; FinCEN - Burden related to Suspicious Activities Reports (SARs) required under the Bank Secrecy Act (BSA) and Anti-Money Laundering (AML) rules, raising the required SAR reporting threshold; combating financial crimes; Federal Reserve - Regulation CC; acceptance of electronically signed loans as pledged collateral; role in payments system; Electronic Signatures; NIST - framework for Improving Critical Infrastructure Cybersecurity; Dept. of VA - Allowable Charges and Fees Assessed Incident to VA-Guaranteed Home Loans; FFIEC - evolution of the Cybersecurity Assessment Tool (CAT); FASB - CECL Accounting Standard implementation; Involuntary Liquidation of FCUs and Claims Procedures; Modernizing data collection for supervision of credit unions; FHFA's Affordable Housing Program; IRS oversight of credit unions; FinCEN's Customer Due Diligence Rule; CFPB Civil Investigative Demands and Associated processes; CFPB's Rules of Practice for Adjudication Proceedings; Collection of Checks and other items by Federal Reserve Banks and Funds Transfers Through Fedwire; CFPB's Enforcement Processes; Federal Credit Union Bylaws; CFPB's Supervision Program; Proposed Suspension and Debarment Procedures; FY'19 FSGG Appropriations Bill; CFPB's RFI regarding external engagements; Regulatory Review; CFPB's Rulemaking Processes; the Give Useful Information to Define Effective Compliance Act (H.R. 5534); the Counter Terrorism and Illicit Finance Act (H.R. 6068); Regulatory Changes in Light of S. 2155; CFPB's Adopted Regulations and New Rulemakings Authorities; Volker Rule; Feedback regarding operating vision for the US Faster Payments Council; CFPB's Inherited Regulations and Inherited Rulemaking Authorities; Title VII of H.R. 5841; CFPB financial education programs; financial literacy; Payday Alternative Loans (PALs); privacy risks regarding data sharing and section 1033 of Dodd-Frank; Disparate Impact Standard; Identity Fraud; Variable Interest Rates; Glass-Steagall Act; Credit Bureaus and the Fair Credit Reporting Act; NDAA - bank operations on military bases; USPS banking services; H.R. 5036, the Financial Technology Protection Act; H.R. 6743 - the Consumer Information Notification Requirement Act.

Client expense: $590,000 · Firm income: Not reported

Government targets: Commodity Futures Trading Commission (CFTC), Consumer Financial Protection Bureau (CFPB), Defense, Dept of (DOD), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Financial Crimes Enforcement Network (FinCEN), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), Natl Institute of Standards & Technology (NIST), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, White House Office

Preserving the credit union tax exemption; Repeal of the Durbin Amendment on debit interchange; Regulatory relief for credit unions; Credit union exemptions from the CFPB; Reforms to the structure of the CFPB and its powers; data and cyber security - creation of a national data security standard; Housing Finance Reform - ensuring that credit unions have unfettered access to the secondary mortgage market based on loan quality rather than quantity; Member Business Lending - raise the arbitrary cap, raise the de minimis exclusion; exempt loans to veterans from the definition of MBL, and exclude non-owner occupied, 1-4-family dwellings from the calculation of the cap on credit union member business loans (H.R. 389/S. 836); Capital Access for Small Businesses and Jobs Act (H.R. 1244); TRID Improvement Act (H.R. 5078/S. 2490); Bank Secrecy Act; FCC Oversight; Patent Reform - provide relief from practices of patent trolls; NFIP - National flood insurance program; The REINS Act (H.R. 26/S. 21); Regulatory Flexibility Act; Improve or require agency regulatory guidance; Financial CHOICE Act (H.R. 10); Community Financial Institution Exemption Act (H.R. 1264); Financial Services for the Underserved Act (H.R. 4665); Senior$afe Act (H.R. 3758/S. 223); Community Mortgage Lender Regulatory Act of 2017 (H.R. 1964); Securing Access to Affordable Mortgage Act of 2017 (H.R. 3221); Greater pre-emption authority for the NCUA; Mortgage Choice Act (H.R. 1153); Preserving Access to Manufactured Housing Act (H.R.1699/S. 1751); Consumer Financial Protection Board Act 2017 (S. 105); Financial Product Safety Commission Act of 2018 (H.R. 5266); TAILOR Act (H.R. 1116/S.366); CFPB Accountability Act of 2017 or the TABS Act of 2017 (H.R. 2553/S.387); Subject CFPB to Congressional appropriations process; Financial Institutions Examination Fairness and Reform Act (H.R. 4545/S. 2237); Expanding SBA business loan programs; Financial Institution Customer Protection Act (H.R. 2706); Financial services and general government appropriations bill; Home Mortgage Disclosure Adjustment Act (H.R. 2954/S. 1310); Home Mortgage Reporting Relief Act of 2017 (H.R. 4648); QM safe harbor for portfolio loans; Portfolio Lending and Mortgage Access Act (H.R. 2226/S. 2013); the Community Lending Enhancement and Regulatory Relief Act (H.R. 2133/S.1002); Common Sense Credit Union Capital Relief Act of 2017 (H.R. 4464); Risk-Based Capital; Common Sense Credit Union Capital Relief Act of 2018 (H.R. 5288); Credit Score Competition Act (H.R. 898/S. 1685); Community Institution Mortgage Relief Act of 2017 (H.R. 3971); Small Business 7(a) Lending Oversight Reform Act (H.R. 4743/S.2283); Business of Insurance Regulatory Reform Act of 2017 (H.R. 3746); Subject non-depository GLBA institutions to regular examinations; require credit reporting agencies to notify depository institutions when one of their accounts is breached; Protecting Americans from Credit Entanglements Act (H.R. 1958/S.838); Making Online Banking Initiation Legal and Easy Act of 2017 (H.R. 1457); Economic Growth, Regulatory Relief and Consumer Protection Act (S. 2155); Securing Access to Affordable Mortgages Act (H.R. 3221); Protecting Consumers' Access to Credit Act of 2017 (H.R. 3299); H.R. 4296 - related to operational risk capital requirements; Lawsuit abuse related to website access requirements under the Americans with Disabilities Act; the ADA Education and Reform Act of 2017 (H.R. 620); CFPB Examination and Reporting Threshold Act (H.R. 3072). NCUA - Voluntary mergers; reforms to credit union capital requirements; supplemental capital for credit unions; FOM improvements; FCU interest rate cap; asset securitization authority for credit unions; Call report modernization; NCUSIF issues including NOL ratio and equity distribution; short-term small dollar lending; de novo charter process, approvals, and flexibility; consistent examination expectations; Issuance of clear UDAAP expectations; Exam appeals process; Codify IRPS; Bylaws ANPR; Capital Planning and Supervisory Stress Testing; Accuracy of Advertising; support for NCUA Regulatory Reform Agenda; Extend examination cycle for low-risk, well-run credit unions greater than $1 billion in assets; CFPB - Use of Section 1022 exemption authority; rulemakings related to debt collection, overdraft, qualified mortgage, ATR, mortgage servicing, consumer complaint database (and consumer inquiry handling process), Home Mortgage Disclosure Act (HMDA) requirements and reporting thresholds, implementation and examination, prepaid accounts; Section 1071 small business data collection; remittances rule and review; Truth in Lending Act/Real Estate Settlement Procedures Act (TILA/RESPA); free access to credit scores for consumers; Amendments to TILA/RESPA Integrated Disclosure Rule (TRID); Dept. of Treasury - Executive Order implementation, streamlining CDFI certifications, CDFI and CDRLF funding; cybersecurity interagency coordination; Regulation of FinTech companies; Do not subject credit unions to the Community Reinvestment Act (CRA); FCC - TCPA reform and requirements, interpretations, and litigation, fighting robocalls; FHFA - chattel loans/duty to serve; GSEs use of alternative credit scores; Credit Risk Transfer transactions; implementation of the Common Securitization Platform (CSP) and Single Security; FHLB Capital Requirements; FHLB role in mortgage market; SBA - Expanding CU participation in SBA lending; Dept. of Defense - Military Lending Act (MLA) Final Rule changes, guidance and implementation; IRS - guidance related to the tax reform bill, including executive compensation excise tax; Dept. of Labor - Revocation of Fiduciary Duty rule and Overtime rule; Dept. of Justice - ADA standards and guidance related to website accessibility; FTC - frivolous demand letters in violation of the Federal Trade Commission Act; FinCEN - Burden related to Suspicious Activities Reports (SARs) required under the Bank Secrecy Act (BSA) and Anti-Money Laundering (AML) rules, raising the required SAR reporting threshold; combating financial crimes; Federal Reserve - Regulation CC; acceptance of electronically signed loans as pledged collateral; role in payments system; Electronic Signatures; NIST - framework for Improving Critical Infrastructure Cybersecurity; Dept. of VA - Allowable Charges and Fees Assessed Incident to VA-Guaranteed Home Loans; FFIEC - evolution of the Cybersecurity Assessment Tool (CAT); FASB - CECL Accounting Standard implementation; Involuntary Liquidation of FCUs and Claims Procedures; Modernizing data collection for supervision of credit unions; FHFA's Affordable Housing Program; IRS oversight of credit unions; FinCEN's Customer Due Diligence Rule; CFPB Civil Investigative Demands and Associated processes; CFPB's Rules of Practice for Adjudication Proceedings; Collection of Checks and other items by Federal Reserve Banks and Funds Transfers Through Fedwire; CFPB's Enforcement Processes; Federal Credit Union Bylaws; CFPB's Supervision Program; Proposed Suspension and Debarment Procedures; FY'19 FSGG Appropriations Bill; CFPB's RFI regarding external engagements; Regulatory Review; CFPB's Rulemaking Processes; the Give Useful Information to Define Effective Compliance Act (H.R. 5534); the Counter Terrorism and Illicit Finance Act (H.R. 6068); Regulatory Changes in Light of S. 2155; CFPB's Adopted Regulations and New Rulemakings Authorities; Volker Rule; Feedback regarding operating vision for the US Faster Payments Council; CFPB's Inherited Regulations and Inherited Rulemaking Authorities; Title VII of H.R. 5841; CFPB financial education programs; financial literacy; Payday Alternative Loans (PALs); privacy risks regarding data sharing and section 1033 of Dodd-Frank; Disparate Impact Standard; Identity Fraud; Variable Interest Rates; Glass-Steagall Act; Credit Bureaus and the Fair Credit Reporting Act; NDAA - bank operations on military bases; USPS banking services; H.R. 5036, the Financial Technology Protection Act; H.R. 6743 - the Consumer Information Notification Requirement Act.

Client expense: $590,000 · Firm income: Not reported

Government targets: Commodity Futures Trading Commission (CFTC), Consumer Financial Protection Bureau (CFPB), Defense, Dept of (DOD), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Financial Crimes Enforcement Network (FinCEN), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), Natl Institute of Standards & Technology (NIST), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, White House Office

H.R. 1426/ S. 367, Federal Savings Association Charter Flexibility Act of 2017 H.R. 5266, The Financial Product Safety Commission Act S. 105, Consumer Financial Protection Board Act of 2017 S. 387, The CFPB Accountability Act of 2017 H.R. 2553, TABS Act of 2017 H.R. 6147, Interior, Environment, Financial Services and General Government, Agriculture, Rural Development, Food and Drug Administration, and Transportation, Housing and Urban Development Appropriations Act, 2019 BCFP Oversight Federal Reserve System Reform

Client expense: $2,130,000 · Firm income: Not reported

Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), Office of Management & Budget (OMB), SENATE, Treasury, Dept of, White House Office

H.R.916 To amend the Congressional Budget and Impoundment Control Act of 1974 to prohibit the use of guarantee fees as offsets. H.R.1018 To replace the Director of the Bureau ofConsumerFinancialProtectionwith a 5-person commission, and for other purposes. H.R.1116 TAILOR Act H.R. 1153 Mortgage Choice Act of 2017 H.R.1257 Securities and Exchange Commission Overpayment Credit Act H.R.1366 U.S. Territories Investor Protection Act of 2017 H.R.389 Credit Union Residential Loan Parity Act H.R.491 Let the GSEs Pay Us Back Act of 2017 H.R.815 To amend title 38, United States Code, to adjust certain limits on the guaranteed amount of a home loan under the home loan program of the Department of Veterans Affairs. H.R.910 Fair Access to Investment Research Act of 2017 H.R.1219 Supporting America's Innovators Act of 2017 H.R. 1637 RIGHTS at the CFPB Act of 2017 H.R. 2133 CLEARR Act H.R. 2226 Portfolio Lending and Mortgage Access Act H.R. 2890 Housing Opportunity Mortgage Expansion Act H.R. 4278 Independence from Credit Policy Act of 2017 H.R. 2148 Clarifying Commercial Real Estate Loans H.R. 2954 Home Mortgage Disclosure Adjustment Act H.R. 4607 Comprehensive Regulatory Review Act H.R. 3221 Securing Access to Affordable Mortgages Act H.R. 3299 Protecting Consumers' Access to Credit Act of 2017 H.R. 3978 TRID Improvement Act of 2017 H.R. 1264 Community Financial Institution Exemption Act H.R. 5266 Financial Product Safety Commission Act H.R. 4545 Financial Institutions Examination Fairness & Reform Act H.R. 5534 GUIDE Compliance Act H.R. 6147 the Interior, Environment, Financial Services, and General Government Appropriations Act, 2019 H.R. 6737 Protect Affordable Mortgages for Veterans Act of 2018 S.105 Consumer Financial Protection Board Act of 2017 S.365 A bill to amend theConsumerFinancialProtectionAct of 2010 to remove the funding cap relating to the transfer of funds from the Board of Governors of the Federal Reserve System to the Bureau ofConsumerFinancialProtection, and for other purposes. S.366 TAILOR Act S.370 A bill to eliminate the Bureau of Consumer Financial Protection by repealing title X of the Dodd-Frank Wall Street Reform and Consumer Protection Act, commonly known as the Consumer Financial Protection Act of 2010. S.387 A bill to amend theConsumerFinancialProtectionAct of 2010 to subject the Bureau ofConsumerFinancialProtectionto the regular appropriations process, and for other purposes. S. 626 CFPB-IG Act of 2017 S. 2304 A bill to amend title 38, United States Code, to protect veterans from predatory lending, and for other purposes. S. 488 JOBS and Investor Confidence Act of 2018 S. 3401 Self-Employed Mortgage Access Act of 2018 S. 3443 GUIDE Compliance Act

Client expense: $712,573 · Firm income: Not reported

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

Best interest standard CFPB Office of Fair Lending and Equal Opportunity Funding of CFPB H.R. 3299, the "Protecting Consumers Access to Credit Act of 2017" HR 4439 -- Modernizing Credit Opportunities Act Legislation affecting Consumer Financial Protection Bureau staffing S. 2417 -- the Stopping Abuse & Fraud in Electronic (SAFE) Lending Act SEC fiduciary rule S.J. Res. 57, H.J. Res. 132 CRA for CFPB Guidance on Indirect Auto-Lending HR 6096 -- Reward Work Act S. 2605 -- Reward Work Act HR 5756 -- To require the Securities and Exchange Commission to adjust certain resubmission thresholds for shareholder proposals Budd Discussion Draft (SEC R 002) HR 6035 -- Streamlining Communications for Investors Act HR 5970 -- Simplifying Disclosures for Investors Act HR 6130 -- Helping Startups Continue to Grow Act S.J. Res 56/H.J. 122 CRA for CFPB Payday Rule S. 387 -- Consumer Financial Protection Bureau Accountability Act of 2017 HR 1018 -- CFPB Constitutional Reform Act of 2017

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

Government targets: Commodity Futures Trading Commission (CFTC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

S. 2155, Economic Growth, Regulatory Relief, and Consumer Protection Act S.J. Res. 57 (Resolution of Disapproval of CFPB auto lending guidance) Community Reinvestment Act reform Bureau of Consumer Financial Protection inherited regulations Bank capital rules Banks stress tests Best interest standard CFPB Office of Fair Lending and Equal Opportunity Financial Technology ("Fintech") Funding of CFPB H.R. 1116, the "Taking Account of Institutions with Low Operation Risk Act of 2017" H.R. 1144, the Inclusive Prosperity Act H.R. 3299, the "Protecting Consumers Access to Credit Act of 2017" H.R. 3948, the "Protection of Source Code Act" H.R. 4293, the "Stress Test Improvement Act" H.R. 4545, the "Financial Institutions Examination Fairness and Reform Act" HR 4061 -- Financial Stability Oversight Council Improvement Act of 2017 HR 4439 -- Modernizing Credit Opportunities Act HR 4790 -- Volcker Rule Regulatory Harmonization Act HR 5749 -- Options Market Stability Act Legislation affecting Consumer Financial Protection Bureau staffing Nominations for SEC, CFTC, FDIC Protecting Consumers Access to Credit Act of 2017 (H.R. 3299) S. 1020, the Carried Interest Fairness Act S. 2155 -- Economic Growth, Regulatory Relief, and Consumer Protection Act S. 2417 -- the Stopping Abuse & Fraud in Electronic (SAFE) Lending Act SEC fiduciary rule Substitute Amendment to S. 2155 S.J. Res. 57, H.J. Res. 132 CRA for CFPB Guidance on Indirect Auto-Lending Volcker Rule HR 6096 -- Reward Work Act S. 2605 -- Reward Work Act Brokaw bill HR 3861 -- Federal Insurance Office Reform Act of 2017 HR 5054 -- Small Company Disclosure Simplification Act of 2018 HR 5756 -- To require the Securities and Exchange Commission to adjust certain resubmission thresholds for shareholder proposals HR 5877 -- Main Street Growth Act Budd Discussion Draft (SEC R 002) HR 6035 -- Streamlining Communications for Investors Act HR 5970 -- Simplifying Disclosures for Investors Act HR 6130 -- Helping Startups Continue to Grow Act Liquidity disclosures for funds Budget - FSGG Appropriations S.J. Res 56/H.J. 122 CRA for CFPB Payday Rule S. 387 -- Consumer Financial Protection Bureau Accountability Act of 2017 HR 1018 -- CFPB Constitutional Reform Act of 2017

Client expense: $521,294 · Firm income: Not reported

Government targets: Bureau of the Census, Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Consumer Financial Protection Bureau (CFPB), Education, Dept of, Executive Office of the President (EOP), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Labor, Dept of (DOL), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of, U.S. Commission on Civil Rights

Issues Related to Cyber Security, Data Security & Breach Notification Issues Related to Data Acquisition and Technology Accountability and Security Act Issues Related to the Consumer Financial Protection Bureau Legislation related to establishing a commission at the CFPB S. 105, Consumer Financial Protection Board Act of 2017, H.R. 5266 Financial Product Safety Commission Act of 2018 Issues related to the CFPBs rulemaking for prepaid cards Issues related to the CFPBs rulemaking under the Home Mortgage Disclosure Act Issues related to Implementation of the TILA/RESPA Integrated Disclosures Issues related to anticipated rulemaking that would affect debt collection Issues related to Equal Credit Opportunity Act Issues related to CFPB Consumer Response Portal Issues related to Auto Guidance Issues related to CFPB Small-dollar Rule Issues related to H.R. 10, the Financial Choice Act of 2017 Issues related to Dodd-Frank Act, including Section 1071 S. 387, Consumer Financial Protection Bureau Accountability Act of 2017 H.R. 3601, Protecting Consumers from Frivolous Claims Act of 2017 H.R. 5534, GUIDE Compliance Act H.R. 3625, CFPB-IG Act of 2017 H.R. 2553, TABS Act of 2017 Nomination of Kathy Kraninger, Director BCFP Issues Related to Student Loans Issues related to the reauthorization of the Higher Education Act Issues related to the CFPBs and Department of Educations actions on student lending H.R. 1283/S. 749, Transparency in Student Lending H.R. 1635, Empowering Students Through Enhanced Financial Counseling Act Issues related to disclosures for federal student loans Legislation related to student loan refinancing programs Issues related to bankruptcy protections for student loans Issues related to federal student loan reform H.R. 4508, Promoting Real Opportunity, Success, and Prosperity through Education Reform Act H.R. 4119, The Student Loan Disclosure Modernization Act S. 1066, Federal Adjustment in Reporting Student Credit Act Issues Related to AML-BSA Reform Issues Related to FinCEN CDD Rule H.R. 6068 Counter Terrorism and Illicit Finance Act Issues Related to Appropriations Financial Services and General Government Appropriations Act, 2019 H.R. 6258 & S. 3107 Financial Services & General Government Appropriations Act, 2019 Issues Related to Postal Banking H.R. 4439, Modernizing Credit Opportunities Act Issues Related to Deposit Advance Products H.R. 4861, EQUAL Act of 2018 Issues Related to the Fair Credit Reporting Act H.R. 2359 FCRA Liability Harmonization Act Issues Related to budget reconciliation Issues Related to FY18 budget Issues related to implementation of Public Law No: 115-97, Tax Cuts and Jobs Act. Issues related to S. 2237/H.R. 4545, Financial Institutions Examination Fairness and Reform Act Issues related to H.R. 2133, the Community Lending Enhancement and Regulatory Relief Act of 2017 Issues related to H.R. 924, the Financial Institutions Due Process Act of 2017 Issues related to H.R. 2396, the Privacy Notification Technical Clarification Act Issues related to H.R. 4607, Comprehensive Regulatory Review Act Issues related to H.R. 4648, Home Mortgage Reporting Relief Act Issues Related to the Community Reinvestment Act Issues Related to the Fair Credit Reporting Act H.R. 4028, Promoting Responsible Oversight of Transactions and Examinations of Credit Technology Act of 2017 Issues Related to the Department of Labor Fiduciary Rule Issues Related to Flood Insurance H.R. 2874, 21st Century Flood Reform Act S. 1571, National Flood Insurance Program Reauthorization Act of 2017 Issues Related to unfair, deceptive, or abusive acts or practices under Dodd-Frank Act Issues Related to systemic risk designations S. 1893/H.R. 3312, Systemic Risk Designation Improvement Act of 2017 Issues related to the Ensuring Quality Unbiased Access to Loans Act H.R. 2706, Financial Institution Customer Protection Act of 2017 Issues related to financial regulatory coordination Issues related to oversight of SBA 7(a) Loan Program H.R. 4743/S. 2283, Small Business 7(a) Lending Oversight Reform Act of 2018 Issues related to H.R. 4452, Right to Lend Act of 2017 Issues related to S. 1642/H.R. 3299, Protecting Consumers Access to Credit Act of 2017 Issues related to S. 2155 Economic Growth, Regulatory Relief, and Consumer Protection Act Issues Related to FinTech HR. 1457, the Making Online Banking Initiation Legal and Easy Act of 2017 Issues related to the E-SIGN Act S. 2854 MOBILE Act of 2018 H.R. 3299, Protecting Consumers Access to Credit Act of 2017 Issues related to H.R. 3857, Protecting Advice for Small Savers Act of 2017 Issues related to the Bank Secrecy Act and Anti-Money Laundering Issues related to the Counter Terrorism & Illicit Finance Act Regulations: Equal Credit Opportunity issues, Regulation B, 12 CFR Part 1002 Home Mortgage Disclosure Act Issues, Regulation C, 12 CFR Part 1003 Fair Debt Collection Practices Issues, Regulation F, 12 CFR Part 1006 Privacy Issues, 12 CFR Parts 40, 216, 332, 1016 Fair Credit Reporting Issues, 12 CFR Parts 41, 171, 334, 1022 Real Estate Settlement Procedures Issues, Regulation X, 12 CFR Part 1024 Truth in Lending Issues, Regulation Z, 12 CFR Part 1026 Disclosure of Records and Information, 12 CFR Part 1070 Regulations related to the Dodd-Frank Act, Pub. L. No. 111-203 Issues related to the Higher Education Act Issues related to Telephone Consumer Protection Act, 47 U.S.C. 227 Issues related to Electronic Fund Transfer Act, regulation E, 15 U.S.C. 1693 Issues related to FDIC Deposit Insurance Issues related to the Paperwork Reduction Act Issues related to the Military Lending Act Community Reinvestment Act Regulations & Q&A issues Issues related to the Servicemembers Civil Relief Act Issues related to Small Business Act Issues related to FCC & FTC Do Not Call Registry Issues related to the Bank Secrecy Act and Anti-Money Laundering rules Issues related to the Counter Terrorism & Illicit Finance Act Issues related to the CFPB Request for Information Process Issues related to FinCEN Due Diligence Rule

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

Government targets: Consumer Financial Protection Bureau (CFPB), Defense, Dept of (DOD), Education, Dept of, Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of

H.R. 1426/ S. 367, Federal Savings Association Charter Flexibility Act of 2017 H.R. 5266, The Financial Product Safety Commission Act S. 105, Consumer Financial Protection Board Act of 2017 S. 387, The CFPB Accountability Act of 2017 H.R. 2553, TABS Act of 2017 BCFP Oversight Federal Reserve System Reform

Client expense: $2,500,000 · Firm income: Not reported

Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), Office of Management & Budget (OMB), SENATE, Treasury, Dept of, White House Office

S.836 / H.R. 389 - 115th Congress (2017-2018), Credit Union Residential Loan Parity Act: Creates parity between banks and credit unions regarding treatment of loans by credit unions for 1-4 family, non-owner occupied residential dwellings as residential rather than commercial loans, thereby exempting such loans from counting against a credit unions MBL cap. S.366 / H.R. 1116 - 115th Congress (2017-2018), TAILOR Act of 2017: Would require regulatory agencies to take risk profiles and business models into account when crafting new regulations and requires agencies to examine all regulations issued since passage of Dodd-Frank in 2010 to make sure they comply with TAILOR Act. H.R.1264 - 115th Congress (2017-2018), Community Financial Institution Exemption Act: Would provide that community financial institutions with under $50 billion in assets are exempt from CFPB regulations unless the CFPB can demonstrate harm to consumers. H.R.1244 - 115th Congress (2017-2018), Capital Access for Small Business and Jobs Act: Would provide credit unions relief from the NCUAs risk-based capital rule and allow credit unions to raise capital from sources other than retained earnings. S.105 - 115th Congress (2017-2018), Consumer Financial Protection Board Act of 2017: Would establish a five-member, bipartisan board of directors for the CFPB. S.387 - 115th Congress (2017-2018), Consumer Financial Protection Bureau Accountability Act of 2017: Subjects the CFPB to annual appropriations process rather than receiving funding via Federal Reserve System transfers. S.2155 - 115th Congress (2017-2018), Economic Growth, Regulatory Relief, and Consumer Protection Act Credit Union tax exemption.

Client expense: Not reported · Firm income: Not reported

Issues related to Dodd-Frank; H.R. 45 (provisions related to Regulatory Relief) H.R. 70 (provisions related to Financial Reform) H.R. 493 (provisions related to Dodd-Frank Reform) H.R. 585 (provisions related to Financial Reform) H.R. 832 (provisions related to Consumer Financial Products) H.R. 1018 (provisions related to CFPB) H.R. 1031 (provisions related to CFPB) H.R. 1459 (provisions related to FSOC) H.R. 1637 (provisions related to CFPB) S. 365 (provisions related to Dodd-Frank Reform) S. 387 (provisions related to CFPB) H.R. 4061 (provisions related to Dodd-Frank FSOC) H.R. 3762 (provisions related to Dodd-Frank FIO) H.R. 3861 (provisions related to Dodd-Frank FIO) H.R. 3746 (provisions related to Dodd-Frank CFPB) H.R. 4537 (provisions related to Dodd-Frank FIO) S. 1360 (provisions related to International Insurance) S. 2155, Sec. 211 (provisions related to International Capital Standards)

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 10 Financial Regulatory Reform H.R. 45 Financial Regulatory Reform H.R. 70 Federal Advisory Committee Act Amendments H.R. 493 Wall Street H.R. 585 Pre-Dispute Arbitration Agreement Prohibition H.R. 832 Consumer Financial Products Dispute Proceedings H.R. 1018 Director of the Bureau of Consumer Financial Protection H.R. 1031 Bureau of Consumer Financial Protection H.R. 1459 Regular Appropriations Process S. 365 Fund Transfer Funding Cap S. 370 Bureau of Consumer Financial Protection S. 387 Consumer Financial Protection Bureau Appropriations H.R. 2553 Bureau of Consumer Financial Protection H.R. 2750 Office of Financial Research Independent Funding S. 923 Financial Institutions Regulations Exemption H.R. 3312 Bank Holding Companies and Enhanced Supervision S. 1579 Consumer Financial Protection Advisory Boards S. 1744 Securities and Exchange Commission Regulations H.R. 4061 Financial Stability Oversight Council H.R. 4293 Comprehensive Capital Analysis and Review Process H.R. 4302 Congressional Accountability for Emergency Lending H.R. 4625 Development & Implementation of Artificial Intelligence H.R. 5266 Financial Product Safety Commission S. 2217 Development & Implementation of Artificial Intelligence H.R. 5470 Office of Financial Research H.R. 5534 Procedures for Guidance S. 2702 Authority of Bureau of Consumer Financial Protection

Client expense: $1,590,000 · Firm income: Not reported

Government targets: Executive Office of the President (EOP), Federal Emergency Management Agency (FEMA), HOUSE OF REPRESENTATIVES, Natl Economic Council (NEC), Natl Security Council (NSC), SENATE, Transportation, Dept of (DOT), Treasury, Dept of, U.S. Trade Representative (USTR)