Data Breach Prevention and Compensation Act of 2019

H.R. 43 Cyber Vulnerability Disclosures Report H.R. 331 Customer Information Safeguards H.R. 528 Blockchain Licensing and Registration H.R. 1158 Cyber Incident Response Teams Authorization H.R. 1282 Personal Information Security H.R. 1361 Blockchain Technology Definition Recommendation H.R. 1668 Internet of Things Devices Cybersecurity S. 553 Blockchain Technology Definition Recommendation S. 734 Internet of Things Devices Cybersecurity H.R. 2545 Office of Cybersecurity Creation H.R. 3280 Data Collection Improvement S. 1230 Consumer Credit Transactions Usury Rate Establishment S. 1336 Office of Cybersecurity Creation S. 2342 Data Brokers Personal Information Use Requirements H.R. 4978 Personal Information Privacy Rights H.R. 5394 Federal Cybersecurity Risks Coordination S. 2968 Data Privacy Rights and Oversight

Client expense: $2,090,000 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), Commerce, Dept of (DOC), Federal Aviation Administration (FAA), Federal Emergency Management Agency (FEMA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Natl Economic Council (NEC), Natl Labor Relations Board (NLRB), SENATE, Transportation, Dept of (DOT), Treasury, Dept of, U.S. Trade Representative (USTR)

H.R. 43 Cyber Vulnerability Disclosures Report H.R. 331 Customer Information Safeguards H.R. 528 Blockchain Licensing and Registration H.R. 1158 Cyber Incident Response Teams Authorization H.R. 1282 Personal Information Security H.R. 1361 Blockchain Technology Definition Recommendation H.R. 1668 Internet of Things Devices Cybersecurity S. 553 Blockchain Technology Definition Recommendation S. 734 Internet of Things Devices Cybersecurity H.R. 2545 Office of Cybersecurity Creation H.R. 3280 Data Collection Improvement S. 1230 Consumer Credit Transactions Usury Rate Establishment S. 1336 Office of Cybersecurity Creation S. 2342 Data Brokers Personal Information Use Requirements H.R. 4978 Personal Information Privacy Rights H.R. 5394 Federal Cybersecurity Risks Coordination S. 2968 Data Privacy Rights and Oversight

Client expense: $1,600,000 · Firm income: Not reported

H.R. 43 Cyber Vulnerability Disclosures Report H.R. 331 Customer Information Safeguards H.R. 528 Blockchain Licensing and Registration H.R. 1158 Cyber Incident Response Teams Authorization H.R. 1282 Personal Information Security H.R. 1361 Blockchain Technology Definition Recommendation H.R. 1668 Internet of Things Devices Cybersecurity S. 553 Blockchain Technology Definition Recommendation S. 734 Internet of Things Devices Cybersecurity H.R. 2545 Office of Cybersecurity Creation H.R. 3280 Data Collection Improvement S. 1230 Consumer Credit Transactions Usury Rate Establishment S. 1336 Office of Cybersecurity Creation S. 2342 Data Brokers Personal Information Use Requirements H.R. 4978 Personal Information Privacy Rights H.R. 5394 Federal Cybersecurity Risks Coordination S. 2968 Data Privacy Rights and Oversight

Client expense: $1,600,000 · Firm income: Not reported

H.R. 43 Cyber Vulnerability Disclosures Report H.R. 331 Customer Information Safeguards H.R. 528 Blockchain Licensing and Registration H.R. 1158 Cyber Incident Response Teams Authorization H.R. 1282 Personal Information Security H.R. 1361 Blockchain Technology Definition Recommendation H.R. 1668 Internet of Things Devices Cybersecurity S. 553 Blockchain Technology Definition Recommendation S. 734 Internet of Things Devices Cybersecurity H.R. 2545 Office of Cybersecurity Creation H.R. 3280 Data Collection Improvement S. 1230 Consumer Credit Transactions Usury Rate Establishment S. 1336 Office of Cybersecurity Creation S. 2342 Data Brokers Personal Information Use Requirements H.R. 4978 Personal Information Privacy Rights H.R. 5394 Federal Cybersecurity Risks Coordination S. 2968 Data Privacy Rights and Oversight

Client expense: $1,320,000 · Firm income: Not reported

Issues related to consumer privacy, data breach, data security, cyber security and consumer marketing, including S. 1336, H.R. 2545 and S. 2342. Also, H.R. 2013, S. 2577, S. 2968, Senate Commerce Committee discussion draft of the U.S. Consumer Data Privacy Act, and the House Energy and Commerce staff discussion draft of the privacy bill.

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

Government targets: Consumer Financial Protection Bureau (CFPB), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), SENATE, Social Security Administration (SSA), Treasury, Dept of

Support HR5050(JGarcia)/S2833 (Merkley), Veterans and Consumers Fair Credit Act to extend Military Lending Act's 36% APR rate cap to all consumers. Urge FDIC, OCC, Federal Reserve not to expand opportunities for predatory lenders to use "rent-a-bank" schemes to evade state laws. Oppose efforts in Congress to weaken the independent funding or single-director structure of the Consumer Financial Protection Bureau (including in FSGG Appropriations-HR3351 and related House or Senate bills and so-called mini-bus packages). Support Data Breach Prevention and Compensation Act (S1336/HR2545) to hold large credit reporting agencies (CRAs)-including Equifax-accountable for data breaches involving consumer data. Support (draft House) Consumer Credit Reporting Reform Act (Waters). Support other credit reporting reforms including HR 3614, Restricting Use of Credit Checks for Employment Decisions Act; HR 3618, Free Credit Scores for Consumers Act;HR 3621, Student Borrower Credit Improvement Act; HR 3622, Restoring Unfairly Impaired Credit and Protecting Consumers Act; HR 3642, Improving Credit Reporting for All Consumers Act; and HR 3629, Clarity in Credit Score Formation Act. Urge Consumer Financial Protection Bureau to prevent fraud in Property Assessed Clean Energy (PACE) loans. Urge Consumer Financial Protection Bureau not to reverse/weaken the Payday Lending and Auto Title Loan Regulation (CFPB-2019-0006). Urge CFPB not to weaken debt collection rights (Docket No. CFPB-2019-0022 RIN 3170-AA41). Urge CFPB not to weaken the 2009 Overdraft Rule. Support Overdraft Protection Act of 2019 (HR 4254). Support Better Oversight of Secondary Sales and Accountability in Concert Ticketing Act of 2019 (HR3248 and S1850). Urge CFPB to fully supervise the Military Lending Act. Urge CFPB not to weaken the Public Consumer Complaint Database. Urge CFPB to use full enforcement authorities and to hold more wrongdoers accountable with larger civil penalties and more consumer restitution orders. Oppose numerous not-yet-introduced draft proposals in Senate Commerce and House Energy and Commerce Committees to establish federal privacy or data breach/data security laws that would preempt stronger state privacy laws and prevent consumers from enforcing private rights of action when harmed. Urge members of House and Senate to back federal privacy proposals that protect stronger state laws, establish a Data Protection Authority, grant consumer private rights of action against privacy harms and protect civil rights. Urge Federal Trade Commission to enforce the Facebook consent order and impose penalties as well as hold executives accountable. Urge the FTC to impose more penalties and restitution generally in its orders against wrongdoers.

H.R. 43 Cyber Vulnerability Disclosures Report H.R. 331 Customer Information Safeguards H.R. 528 Blockchain Licensing and Registration H.R. 1158 Cyber Incident Response Teams Authorization H.R. 1282 Personal Information Security H.R. 1361 Blockchain Technology Definition Recommendation H.R. 1668 Internet of Things Devices Cybersecurity S. 553 Blockchain Technology Definition Recommendation S. 734 Internet of Things Devices Cybersecurity H.R. 2545 Office of Cybersecurity Creation H.R. 3280 Data Collection Improvement S. 1230 Consumer Credit Transactions Usury Rate Establishment S. 1336 Office of Cybersecurity Creation S. 2342 Data Brokers Personal Information Use Requirements

Client expense: $1,350,000 · Firm income: Not reported

Issues related to consumer privacy, data breach, data security, cyber security and consumer marketing, including S. 1336, H.R. 2545, and S. 2342.

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

Government targets: Consumer Financial Protection Bureau (CFPB), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), SENATE, Social Security Administration (SSA), Treasury, Dept of

Oppose efforts in Congress to weaken the independent funding or single-director structure of the Consumer Financial Protection Bureau (including in FSGG Appropriations-HR3351 and related House or Senate bills and so-called mini-bus packages). Support Data Breach Prevention and Compensation Act (S1336/HR2545) to hold large credit reporting agencies (CRAs)-including Equifax-accountable for data breaches involving consumer data. Support (draft House) Consumer Credit Reporting Reform Act (Waters). Support other credit reporting reforms including HR 3614, Restricting Use of Credit Checks for Employment Decisions Act; HR 3618, Free Credit Scores for Consumers Act; HR 3621, Student Borrower Credit Improvement Act; HR 3622, Restoring Unfairly Impaired Credit and Protecting Consumers Act; HR 3642, Improving Credit Reporting for All Consumers Act; and HR 3629, Clarity in Credit Score Formation Act. Urge Consumer Financial Protection Bureau to prevent fraud in Property Assessed Clean Energy (PACE) loans. Urge Consumer Financial Protection Bureau not to reverse/weaken the Payday Lending and Auto Title Loan Regulation (CFPB-2019-0006). Urge CFPB not to weaken debt collection rights (Docket No. CFPB-2019-0022 RIN 3170-AA41). Urge CFPB not to weaken the 2009 Overdraft Rule. Support Overdraft Protection Act of 2019 (HR 4254). Support Better Oversight of Secondary Sales and Accountability in Concert Ticketing Act of 2019 (HR3248 and S1850). Urge CFPB to fully supervise the Military Lending Act. Urge CFPB not to weaken the Public Consumer Complaint Database. Urge CFPB to use full enforcement authorities and to hold more wrongdoers accountable with larger civil penalties and more consumer restitution orders. Support efforts by Federal Housing Finance Authority to broaden access to homeownership for creditworthy borrowers with limited English proficiency. Oppose numerous not-yet-introduced draft proposals in Senate Commerce and House Energy and Commerce Committees to establish federal privacy or data breach/data security laws that would preempt stronger state privacy laws and prevent consumers from enforcing private rights of action when harmed. Urge members of House and Senate to back federal privacy proposals that protect stronger state laws, establish a Data Protection Authority, grant consumer private rights of action against privacy harms and protect civil rights. Urge Federal Trade Commission to enforce the Facebook consent order and impose penalties as well as hold executives accountable. Urge the FTC to impose more penalties and restitution generally in its orders against wrongdoers. Urge FTC to strengthen Safeguards Rule on Data Security (16 C.F.R. part 314, Project No. P145407).

H.R. 43 Cyber Vulnerability Disclosures Report H.R. 331 Customer Information Safeguards H.R. 528 Blockchain Licensing and Registration H.R. 1158 Cyber Incident Response Teams Authorization H.R. 1282 Personal Information Security H.R. 1361 Blockchain Technology Definition Recommendation H.R. 1668 Internet of Things Devices Cybersecurity S. 553 Blockchain Technology Definition Recommendation S. 734 Internet of Things Devices Cybersecurity H.R. 2545 Office of Cybersecurity Creation H.R. 3280 Data Collection Improvement S. 1230 Consumer Credit Transactions Usury Rate Establishment S. 1336 Office of Cybersecurity Creation

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

Issues related to consumer privacy, data breach, data security, cyber security and consumer marketing, including S. 1336 and H.R. 2545.

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

Government targets: Consumer Financial Protection Bureau (CFPB), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), SENATE, Social Security Administration (SSA), Treasury, Dept of

Oppose efforts in Congress to weaken the independent funding or single-director structure of the Consumer Financial Protection Bureau (including in FSGG Appropriations-HR3351 and related House or Senate bills and so-called mini-bus packages). Support Data Breach Prevention and Compensation Act (S1336/HR2545) to hold large credit reporting agencies (CRAs)-including Equifax-accountable for data breaches involving consumer data. Support (draft House) Consumer Credit Reporting Reform Act (Waters). Urge Consumer Financial Protection Bureau to prevent fraud in Property Assessed Clean Energy (PACE) loans. Urge Consumer Financial Protection Bureau not to reverse/weaken the Payday Lending and Auto Title Loan Regulation. Urge CFPB not to weaken debt collection rights. Urge CFPB not to weaken the 2009 Overdraft Rule. Urge CFPB to fully supervise the Military Lending Act. Urge CFPB not to weaken the Public Consumer Complaint Database. Urge CFPB to use full enforcement authorities and to hold more wrongdoers accountable with larger civil penalties and more consumer restitution orders. Support efforts by Federal Housing Finance Authority to broaden access to homeownership for creditworthy borrowers with limited English proficiency. Oppose numerous not-yet-introduced draft proposals in Senate Commerce and House Energy and Commerce Committees to establish federal privacy or data breach/data security laws that preempt stronger state privacy laws, prevent consumers from enforcing private rights of action when harmed. Urge members of House and Senate to back federal privacy proposals that protect stronger state laws, establish a Data Protection Authority, grant consumer private rights of action against privacy harms and protect civil rights. Urge Federal Trade Commission to enforce the Facebook consent order and impose penalties as well as hold executives accountable. Urge the FTC to impose more penalties and restitution generally in its orders against wrongdoers. Support/sign-on Senate Commerce Committee testimony of National Consumer Law Center against illegal robocalls (11 April 2019).