Home Loan Quality Transparency Act of 2019

Bills in the Senate: S. XXXX Jumpstart GSE Reform Act (provides reforms in the GSEs and also requires congressional approval before specified administrative changes to GSEs can be implemented.) S.331: Home Loan Quality Transparency Act of 2019 (This bill amends the Home Mortgage Disclosure Act of 1975 to modify the exemptions from certain disclosure requirements.) S. 630: Arbitration Fairness for Consumers Act (This bill prohibits a predispute arbitration agreement from being valid or enforceable if it requires arbitration of an employment, consumer, antitrust, or civil rights dispute.) S. 635: Restoring Statutory Rights and Interests of the States Act (This bill amends the Federal Arbitration Act to invalidate arbitration agreements between parties in certain commercial contracts or transactions if they require arbitration of a claim for damages or injunctive relief brought by an individual or small business arising from the alleged violation of a federal or state statute, the U.S. Constitution, or a state constitution, unless the written agreement to arbitrate is entered into by both parties after the claim has arisen and pertains solely to an existing claim.) S. 608: Court Legal Access and Student Support (CLASS) Act (This bill makes procedures for the enforcement of arbitration agreements inapplicable to an enrollment agreement between a student and an institution of higher education (IHE).) S. 672: Debt Free College Act, This bill establishes State-Federal partnerships to provide students the opportunity to attain higher education at in-State public institutions of higher education without debt, to provide Federal Pell Grant eligibility to DREAMer students, to repeal suspension of eligibility under the Higher Education Act of 1965 for drug-related offenses, and for other purposes. S. 720: the CFPB Student Loan Integrity Act, This bill requires the student loan ombudsman of the Department of Education to provide student loan data to the Bureau of Consumer Financial Protection, and for other purposes. S.867: PROTECT Students Act of 2019 ; To protect students of institutions of higher education and the taxpayer investment in institutions of higher education by improving oversight and accountability of institutions of higher education, particularly for-profit colleges, improving protections for students and borrowers, and ensuring the integrity of postsecondary education programs, and for other purposes S. 1074: the REAL Act, this bill reinstates Federal Pell Grant eligibility for individuals incarcerated in Federal and State penal institutions, and for other purposes. S. 1230, the Protecting Consumers from Unreasonable Credit Rates Act (This bill amends the Truth in Lending Act to prohibit a creditor from extending credit to a consumer under an open end consumer credit plan (credit card) for which the fee and interest rate exceeds 36%.) S. 1354: the Student Loan Borrower Bill of Rights, this bill requires certain protections for student loan borrowers, and for other purposes. S. 1414: the Student Borrower Bankruptcy Relief Act, To provide bankruptcy relief for student borrowers. S. XXXX: the Know Before You Owe Private Student Loan Act, to prevent unnecessary private student loan debt and improve transparency S XXXX: Higher Education Act Reauthorization, a bill to reauthorize the higher education act S. XXXX: Unnamed bill to limit interest on consumer loans to 36% Bills in the House: H.R. 6, American Dream and Promise Act, To authorize the cancellation of removal and adjustment of status of certain aliens, and for other purposes. H.R. 963, amends the Home Mortgage Disclosure Act of 1975 to modify the exemptions from certain disclosure requirements H.R. 1500, the Consumers First Act, This bill revises provisions related to the administration of the Consumer Financial Protection Bureau (CFPB), including establishing requirements for staffing levels, political appointees, and the publication of consumer complaints regarding consumer financial products or services. H.R. 1571, the Debt Free College Act, To establish State-Federal partnerships to provide students the opportunity to attain higher education at in-State public institutions of higher education without debt, to provide Federal Pell Grant eligibility to DREAMer students, to repeal suspension of eligibility under the Higher Education Act of 1965 for drug-related offenses, and for other purposes. H.R.2648 - Student Borrower Bankruptcy Relief Act of 2019, To provide bankruptcy relief for student borrowers. H.R. XXX, amends the Fair Credit Reporting Act to delay the inclusion in consumer credit reports and to establish requirements for debt collectors with respect to medical debt information of veterans due to inappropriate or delayed billing payments or reimbursements from the Department of Veterans Affairs, and for other purposes. H.R. 2750, Justice for Servicemembers Act, To amend title 9 of the United States Code to prohibit predispute arbitration agreements that force arbitration of certain disputes arising from claims of service members and veterans. H.R. 3027, Student Loan Borrower Bill or Rights, To require certain protections for student loan borrowers, and for other purposes. H.R. 3163, Transportation, Housing and Urban Development, and Related Agencies Appropriations Act, 2020 H.R. 3351 Financial Services and General Government Appropriations Act, 2020 H.R. 3375, Stop Bad Robocalls Act, To amend the Communications Act of 1934 to clarify the prohibitions on making robocalls, and for other purposes. H.R. 3512, PROTECT Students Act of 2019, To protect students of institutions of higher education and the taxpayer investment in institutions of higher education by improving oversight and accountability of institutions of higher education, particularly for-profit colleges, improving H.R. 6543, the Aim Higher Act, to amend and strengthen the Higher Education Act of 1965 so that every student has a path to a quality, debt-free degree or credential that leads to a rewarding career. H.R. XXXX, Protecting Consumers Access to Credit Act (This bill amends the Revised Statutes, the Home Owners' Loan Act, the Federal Credit Union Act, and the Federal Deposit Insurance Act to state that bank loans that are valid when made as to their maximum rate of interest in accordance with federal law shall remain valid with respect to that rate regardless of whether a bank has subsequently sold or assigned the loan to a third party.) H.R. XXXX, the Protecting Consumers from Unreasonable Credit Rates Act (This bill amends the Truth in Lending Act to prohibit a creditor from extending credit to a consumer under an open end consumer credit plan (credit card) for which the fee and interest rate exceeds 36%.) H.R. 3674 the College Affordability Act, a bill to lower the costs of college for students and improve the quality of education

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

Government targets: Consumer Financial Protection Bureau (CFPB), Education, Dept of, Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), Natl Economic Council (NEC), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of, White House Office

Bills in the Senate: S. XX Jumpstart GSE Reform Act (provides reforms in the GSEs and also requires congressional approval before specified administrative changes to GSEs can be implemented.) S.331: Home Loan Quality Transparency Act of 2019 (This bill amends the Home Mortgage Disclosure Act of 1975 to modify the exemptions from certain disclosure requirements.) S. 630: Arbitration Fairness for Consumers Act (This bill prohibits a predispute arbitration agreement from being valid or enforceable if it requires arbitration of an employment, consumer, antitrust, or civil rights dispute.) S. 635: Restoring Statutory Rights and Interests of the States Act (This bill amends the Federal Arbitration Act to invalidate arbitration agreements between parties in certain commercial contracts or transactions if they require arbitration of a claim for damages or injunctive relief brought by an individual or small business arising from the alleged violation of a federal or state statute, the U.S. Constitution, or a state constitution, unless the written agreement to arbitrate is entered into by both parties after the claim has arisen and pertains solely to an existing claim.) S. 608: Court Legal Access and Student Support (CLASS) Act (This bill makes procedures for the enforcement of arbitration agreements inapplicable to an enrollment agreement between a student and an institution of higher education (IHE).) S. 672: Debt Free College Act, This bill establishes State-Federal partnerships to provide students the opportunity to attain higher education at in-State public institutions of higher education without debt, to provide Federal Pell Grant eligibility to DREAMer students, to repeal suspension of eligibility under the Higher Education Act of 1965 for drug-related offenses, and for other purposes. S. 720: the CFPB Student Loan Integrity Act, This bill requires the student loan ombudsman of the Department of Education to provide student loan data to the Bureau of Consumer Financial Protection, and for other purposes. S.867: PROTECT Students Act of 2019 ; To protect students of institutions of higher education and the taxpayer investment in institutions of higher education by improving oversight and accountability of institutions of higher education, particularly for-profit colleges, improving protections for students and borrowers, and ensuring the integrity of postsecondary education programs, and for other purposes S. 1074: the REAL Act, this bill reinstates Federal Pell Grant eligibility for individuals incarcerated in Federal and State penal institutions, and for other purposes. S. 1230, the Protecting Consumers from Unreasonable Credit Rates Act (This bill amends the Truth in Lending Act to prohibit a creditor from extending credit to a consumer under an open end consumer credit plan (credit card) for which the fee and interest rate exceeds 36%.) S. 1354: the Student Loan Borrower Bill of Rights, this bill requires certain protections for student loan borrowers, and for other purposes. S. 1414: the Student Borrower Bankruptcy Relief Act, To provide bankruptcy relief for student borrowers. S. XXXX: the Know Before You Owe Private Student Loan Act, to prevent unnecessary private student loan debt and improve transparency S XXX, Higher Education Act Reauthorization, a bill to reauthorize the higher education act. Bills in the House: H.R. 6, American Dream and Promise Act, To authorize the cancellation of removal and adjustment of status of certain aliens, and for other purposes. H.R. 963, amends the Home Mortgage Disclosure Act of 1975 to modify the exemptions from certain disclosure requirements H.R. 1500, the Consumers First Act, This bill revises provisions related to the administration of the Consumer Financial Protection Bureau (CFPB), including establishing requirements for staffing levels, political appointees, and the publication of consumer complaints regarding consumer financial products or services. H.R. 1571, the Debt Free College Act, To establish State-Federal partnerships to provide students the opportunity to attain higher education at in-State public institutions of higher education without debt, to provide Federal Pell Grant eligibility to DREAMer students, to repeal suspension of eligibility under the Higher Education Act of 1965 for drug-related offenses, and for other purposes. H.R.2648 - Student Borrower Bankruptcy Relief Act of 2019, To provide bankruptcy relief for student borrowers. H.R. XXXX, amends the Fair Credit Reporting Act to delay the inclusion in consumer credit reports and to establish requirements for debt collectors with respect to medical debt information of veterans due to inappropriate or delayed billing payments or reimbursements from the Department of Veterans Affairs, and for other purposes. H.R. 2750, Justice for Servicemembers Act, To amend title 9 of the United States Code to prohibit predispute arbitration agreements that force arbitration of certain disputes arising from claims of servicemembers and veterans. H.R. 3027, Student Loan Borrower Bill or Rights, To require certain protections for student loan borrowers, and for other purposes. H.R. 3163, Transportation, Housing and Urban Development, and Related Agencies Appropriations Act, 2020 H.R. 3351 Financial Services and General Government Appropriations Act, 2020 H.R. 3375, Stop Bad Robocalls Act, To amend the Communications Act of 1934 to clarify the prohibitions on making robocalls, and for other purposes. H.R. 3512, PROTECT Students Act of 2019, To protect students of institutions of higher education and the taxpayer investment in institutions of higher education by improving oversight and accountability of institutions of higher education, particularly for-profit colleges, improving H.R. 6543, the Aim Higher Act, to amend and strengthen the Higher Education Act of 1965 so that every student has a path to a quality, debt-free degree or credential that leads to a rewarding career. H.R. XXXX, Protecting Consumers Access to Credit Act (This bill amends the Revised Statutes, the Home Owners' Loan Act, the Federal Credit Union Act, and the Federal Deposit Insurance Act to state that bank loans that are valid when made as to their maximum rate of interest in accordance with federal law shall remain valid with respect to that rate regardless of whether a bank has subsequently sold or assigned the loan to a third party.) H.R. XXXX, the Protecting Consumers from Unreasonable Credit Rates Act (This bill amends the Truth in Lending Act to prohibit a creditor from extending credit to a consumer under an open end consumer credit plan (credit card) for which the fee and interest rate exceeds 36%.)

H.R. 388 Financial Reporting Threshold Modernization H.R. 442 Financial Protection for Our Military Families Act H.R. 578 The Cooperate with Law Enforcement and Watch Act H.R. 741 Tailor Act of 2019 H.R. 799 Federal Worker Credit Protection Act of 2019 H.R. 1038 Treasury Dept. to take greater role in Anti-Money Laundering/CFT policy and examinations H.R. 1039 Streamline Currency Transaction Reports and Suspicious Activity Reports H.R. 1285 Improving Access to Traditional Banking Act H.R. 1387 CONFRONT Act H.R. 1491 FINTECH Act of 2019 H.R. 1595 SAFE Banking Act H.R. 2513 Reforms collection of beneficial ownership information for corporations and LLCs H.R. 2514 Coordinating Oversight, Upgrading and Innovating Technology, and Examiner Reform Act: Makes amendments to Bank Secrecy Act H.R. 3167 National Flood Insurance Program Reauthorization Act H.R. 3182 Requires agency study of Current Expected Credit Loss standard and delays effective date of standard H.R. 3198 Comprehensive Regulatory Review Act: Make changes to EGRPRA Review H.R. 3614 Restricting Use of Credit Checks for Employment Decisions Act H.R. 3618 Free Credit Scores for Consumers Act of 2019 H.R. 3621 Student Borrowers Credit Improvement Act H.R. 3622 Restoring Unfairly Impaired Credit and Protecting Consumers Act S. 331 Home Loan Quality Transparency Act S. 540 Self-Employed Mortgage Access Act S. 592 Cybersecurity Disclosure Act of 2019 S. 656 SAFE Lending Act of 2019 S. 1028 States Act S. 1200 SAFE Banking Act S. 1233 Community Bank Access to Capital Act: Raises exemption threshold for SOX 404(b) and reforms SEC Regulation S. 1564 Requires agency study of Current Expected Credit Loss standard and delays effective date of standard Bank Secrecy Act/Anti-Money Laundering Rules/Legislation, including Beneficial Ownership Issue Brokered Deposits/ National Interest Rate Caps Call Report Streamlining Cannabis Banking CFPB Small Business Loan Data Collection Community Bank Access to Capital Community Bank Leverage Ratio Community Development Financial Institutions (CDFI) Fund Appropriations Community Reinvestment Act Corporate Ownership Transparency Credit Union Business Lending Powers Credit Union Emergency Mergers Credit Union Field of Membership Rules Credit Union Growth/Powers/Abusive Behavior Credit Union Supplemental Capital Current Expected Credit Losses (CECL) Customer Due Diligence Rule Cybersecurity Data Security, Breaches and Privacy De Novo Bank Applications/Policy Deposit Concentration Cap Economic Growth, Regulatory Relief and Consumer Protection Act Implementation Examination Appeals Faster Payments/Federal Reserve Real Time Gross Settlement System Flood Insurance Reauthorization Home Mortgage Disclosure Act (HMDA) Regulations Housing Finance Reform Industrial Loan Corporation Loophole Reforms/ Square (ILC) Deposit Insurance Application Innovation Initiative (FinTech) Minority Depository Institutions Issues Nomination of Michelle Bowman for the Federal Reserve Board of Governors - For Full Term OCC Special Purpose Fintech Charter Postal Banking Private Flood Insurance Qualified Mortgages, Ability to Repay Rules Real-Time Gross Settlement (RTGS) service Regulatory Burden Relief for Community Banks Regulatory and Tax Relief for Community Banks Remittance Transfers

Support S. 331 / HR 963, Introduced by Senator Cortez Masto and Congresswoman Velazquez which restores comprehensive HMDA reporting requirements to 25 for mortgages and 100 for HELOCs with the exclusion for banks and credit unions with fewer than $30 million in assets Support the establishment of a National Task Force on the Impact of the Affordable Housing Crisis Support lifting the austere Budget Control Act federal spending caps and ensuring that affordable housing, community development, and transportation programs receive the highest allocation of discretionary funds possible for FY20. Support the American Housing and Economic Mobility Act, which would: ramp up investments at the federal level to build an estimated 3 million new housing units aimed at lower-income and middle-class families in urban, suburban, and rural areas; establish down-payment assistance programs in communities that were shut out of homeownership by redlining and segregation practices; create hard-to-refuse incentives for local governments to eliminate land use rules that currently drive up costs and reduce the construction of new affordable housing; provide support to underwater borrowers, primarily in suburban and rural communities; modernize the Community Reinvestment Act so it covers more financial institutions and promotes more sustainable investments in LMI communities; update the Fair Housing Act of 1968 to prevent discrimination against people because of sexual orientation, gender identity, marital status, source of income, or veterans status; return the estate tax thresholds to their levels at the end of the Bush Administration - affecting about 10,000 of the wealthiest families in the country - in order to fund the provisions in the bill Support the Disability Integration Act, S.117 / H.R. 555, to ensure that people with disabilities can live in the community rather than be forced into nursing facilities and other institutions. Support increasing resources to fight housing discrimination; support HR 149 Support multi-year funding to repair the Federal Housing Administrations broken IT systems Support FHFAs activities to make their mortgage loan products more accessible to Americans with Limited English Proficiency. Support that the CFPB re-issue the Notice of Proposed Rulemaking (NPRM) and the Advanced Notice of Proposed Rulemaking (ANPR) regarding the Home Mortgage Disclosure Act (HMDA). The CFPB should re-issue the NPRM and ANPR after it has released the Snapshot National Loan Level Dataset for the 2018 HMDA data and the CFPBs analysis and report of the data Support $5 billion for the National Low Income Trust ad $15 billion to rehabilitate the public housing stock and that housing be included in any omnibus infrastructure plan Support s. 2076 / hr 3685 which is a comprehensive reform of eviction and screening policies for federal housing assistance. Support publicly available, broad-based data collection, tracking and disclosure of investment in areas that have been historically under-capitalized through the Opportunity Zone program. This data is essential to helping ensure any community development policy including the Opportunity Zone program can achieve its goals Oppose the CFPB proposal to raise the threshold for financial institutions to submit Home Mortgage Disclosure (HMDA) data. Support a letter by Chair Waters and Chair Velasquez in opposition to these changes. Support a letter by Ranking Member Brown in opposition to these changes Support HR 3154 / S1929, the Homeownership for Dreamers Act, which would ensure that DACA recipients are eligible for loans backed by FHA. Support the US Department of Housing and Urban Affairs carefully assessing the potential risks and benefits of the Opportunity Zone investments and act accordingly to further HUDs mission to ensure there are quality and affordable homes for all people and create sustainable and inclusive communities that are free from discrimination. Oppose any diminishment of the new and enhanced Home Mortgage Disclosure Act (HMDA) variables added by the 2015 final rule issued by the Consumer Financial Protection Bureau earlier this year Oppose the FHA proposed streamlining of the certification language and new details of the Defect Taxonomy on the origination side getting the loan-level certification requirements. Getting the process right is of enormous consequence to consumers, lenders, and the well-being of the FHA program. It will enable more borrowers to have access to safe and affordable mortgage credit, assist FHA to operate a safe and sustainable mortgage insurance program with effective quality control, and provide lenders with the clarity they need about enforcement standards to expand access to FHA-insured mortgage credit.

Support S. 331 / HR 963, Introduced by Senator Cortez Masto and Congresswoman Velazquez which restores comprehensive HMDA reporting requirements to 25 for mortgages and 100 for HELOCs with the exclusion for banks and credit unions with fewer than $30 million in assets Support NCUA Chairman McWaters meeting with consumer and civil rights groups to discuss potential new rules to expand small dollar loans by credit unions Support the H.R. 1500, the Consumer First Act, which reestablishes the vitality of the CFPB Support Credit score companies developing a way to distinguish individuals harmed by the partial government shutdown Support Credit score companies developing a way to distinguish individuals harmed by natural disasters Support the FDIC preventing high-cost bank payday and installment loans Support credit reporting relief for federal contractors and their employees who are harmed by the government shutdown Oppose the proposal by the FDIC, the OCC, and the FRB to increase the appraisal exemption threshold from $250,000 to $400,000, which means that disconcertingly, under this proposal, all properties under $400k would not require an appraisal anymore Oppose proposal by Senator Crapo to privatize Fannie Mae and Freddie Mac Oppose CFPB claims that it can authorize a Bureau employee to give companies letters, approvals or exemptions that exempt them from consumer protection laws and enforcement, giving them immunity from enforcement by states or other government agencies and from private litigation Oppose the CFPB's proposal to delay its payday lending rule Oppose the CFPB proposal to delay its 2017 payday lending ability-to-repay rule Support the restoration of the power and mission of the Consumer Financial Protection Bureau; Support the Consumers First Act; Support HR 1500 Support H.R. 1018, which instructs companies to disclose the race, ethnicity, gender, Veterans status and disability status of members of their Boards of Directors and C-Suite level executives. Support the Consumer Financial Protection Bureau opening its consumer complaint procedure to accept complaints about Property Assessed Clean Energy (PACE) loans. Support hr 2684, the FAIR RATES Act, which directs the Federal Insurance Office (FIO) to collect specific loss data from large auto insurance providers, publicly disclose the data, and submit an analysis to Congress on disparate impact along racial lines in automobile insurance Oppose the proposed rescission of the commonsense ability-to-repay requirements of the Consumer Financial Protection Bureau (the Bureau)s 2017 payday and vehicle title loan rule Support publicly available, broad-based data collection, tracking and disclosure of investment in areas that have been historically under-capitalized through the Opportunity Zone program. This data is essential to helping ensure any community development policy including the Opportunity Zone program can achieve its goals Support that the CFPB not weaken the 2009 opt-in rule, which has saved consumers billions of dollars, and to establish stronger protections against overdraft fees.

Support S. 331 / HR 963, Introduced by Senator Cortez Masto and Congresswoman Velazquez which restores comprehensive HMDA reporting requirements to 25 for mortgages and 100 for HELOCs with the exclusion for banks and credit unions with fewer than $30 million in assets Support NCUA Chairman McWaters meeting with consumer and civil rights groups to discuss potential new rules to expand small dollar loans by credit unions Support the H.R. 1500, the Consumer First Act, which reestablishes the vitality of the CFPB Support Credit score companies developing a way to distinguish individuals harmed by the partial government shutdown Support Credit score companies developing a way to distinguish individuals harmed by natural disasters Support the FDIC preventing high-cost bank payday and installment loans Support credit reporting relief for federal contractors and their employees who are harmed by the government shutdown Oppose the proposal by the FDIC, the OCC, and the FRB to increase the appraisal exemption threshold from $250,000 to $400,000, which means that disconcertingly, under this proposal, all properties under $400k would not require an appraisal anymore Oppose proposal by Senator Crapo to privatize Fannie Mae and Freddie Mac Oppose CFPB claims that it can authorize a Bureau employee to give companies letters, approvals or exemptions that exempt them from consumer protection laws and enforcement, giving them immunity from enforcement by states or other government agencies and from private litigation Oppose the CFPB's proposal to delay its payday lending rule Oppose the CFPB proposal to delay its 2017 payday lending ability-to-repay rule Support the restoration of the power and mission of the Consumer Financial Protection Bureau; Support the Consumers First Act; Support HR 1500 Support H.R. 1018, which instructs companies to disclose the race, ethnicity, gender, Veterans status and disability status of members of their Boards of Directors and C-Suite level executives. Support hr 2684, the FAIR RATES Act, which directs the Federal Insurance Office (FIO) to collect specific loss data from large auto insurance providers, publicly disclose the data, and submit an analysis to Congress on disparate impact along racial lines in automobile insurance Oppose the proposed rescission of the commonsense ability-to-repay requirements of the Consumer Financial Protection Bureau (the Bureau)s 2017 payday and vehicle title loan rule Support publicly available, broad-based data collection, tracking and disclosure of investment in areas that have been historically under-capitalized through the Opportunity Zone program. This data is essential to helping ensure any community development policy including the Opportunity Zone program can achieve its goals Support that the CFPB not weaken the 2009 opt-in rule, which has saved consumers billions of dollars, and to establish stronger protections against overdraft fees.

H.R. 1737 - American Housing and Economic Mobility Act of 2019 S. 787 - American Housing and Economic Mobility Act of 2019 H.R.963 - Home Loan Quality Transparency Act of 2019 S.331 - Home Loan Quality Transparency Act of 2019

Client expense: $30,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Support S. 331 / HR 963, Introduced by Senator Cortez Masto and Congresswoman Velazquez which restores comprehensive HMDA reporting requirements to 25 for mortgages and 100 for HELOCs with the exclusion for banks and credit unions with fewer than $30 million in assets Support NCUA Chairman McWaters meeting with consumer and civil rights groups to discuss potential new rules to expand small dollar loans by credit unions Support the H.R. 1500, the Consumer First Act, which reestablishes the vitality of the CFPB Support Credit score companies developing a way to distinguish individuals harmed by the partial government shutdown Support Credit score companies developing a way to distinguish individuals harmed by natural disasters Support the FDIC preventing high-cost bank payday and installment loans Support credit reporting relief for federal contractors and their employees who are harmed by the government shutdown Oppose the proposal by the FDIC, the OCC, and the FRB to increase the appraisal exemption threshold from $250,000 to $400,000, which means that disconcertingly, under this proposal, all properties under $400k would not require an appraisal anymore Oppose proposal by Senator Crapo to privatize Fannie Mae and Freddie Mac Oppose CFPB claims that it can authorize a Bureau employee to give companies letters, approvals or exemptions that exempt them from consumer protection laws and enforcement, giving them immunity from enforcement by states or other government agencies and from private litigation Oppose the CFPB's proposal to delay its payday lending rule Oppose the CFPB proposal to delay its 2017 payday lending ability-to-repay rule Support the restoration of the power and mission of the Consumer Financial Protection Bureau; Support the Consumers First Act; Support HR 1500 Support H.R. 1018, which instructs companies to disclose the race, ethnicity, gender, Veterans status and disability status of members of their Boards of Directors and C-Suite level executives.

Support S. 331 / HR 963, Introduced by Senator Cortez Masto and Congresswoman Velazquez which restores comprehensive HMDA reporting requirements to 25 for mortgages and 100 for HELOCs with the exclusion for banks and credit unions with fewer than $30 million in assets Support NCUA Chairman McWaters meeting with consumer and civil rights groups to discuss potential new rules to expand small dollar loans by credit unions Support the H.R. 1500, the Consumer First Act, which reestablishes the vitality of the CFPB Support Credit score companies developing a way to distinguish individuals harmed by the partial government shutdown Support Credit score companies developing a way to distinguish individuals harmed by natural disasters Support the FDIC preventing high-cost bank payday and installment loans Support credit reporting relief for federal contractors and their employees who are harmed by the government shutdown Oppose the proposal by the FDIC, the OCC, and the FRB to increase the appraisal exemption threshold from $250,000 to $400,000, which means that disconcertingly, under this proposal, all properties under $400k would not require an appraisal anymore Oppose proposal by Senator Crapo to privatize Fannie Mae and Freddie Mac Oppose CFPB claims that it can authorize a Bureau employee to give companies letters, approvals or exemptions that exempt them from consumer protection laws and enforcement, giving them immunity from enforcement by states or other government agencies and from private litigation Oppose the CFPB's proposal to delay its payday lending rule Oppose the CFPB proposal to delay its 2017 payday lending ability-to-repay rule Support the restoration of the power and mission of the Consumer Financial Protection Bureau; Support the Consumers First Act; Support HR 1500 Support H.R. 1018, which instructs companies to disclose the race, ethnicity, gender, Veterans status and disability status of members of their Boards of Directors and C-Suite level executives.

Support S. 331 / HR 963, Introduced by Senator Cortez Masto and Congresswoman Velazquez which restores comprehensive HMDA reporting requirements to 25 for mortgages and 100 for HELOCs with the exclusion for banks and credit unions with fewer than $30 million in assets Support the establishment of a National Task Force on the Impact of the Affordable Housing Crisis Support lifting the austere Budget Control Act federal spending caps and ensuring that affordable housing, community development, and transportation programs receive the highest allocation of discretionary funds possible for FY20. Support the American Housing and Economic Mobility Act, which would: ramp up investments at the federal level to build an estimated 3 million new housing units aimed at lower-income and middle-class families in urban, suburban, and rural areas; establish down-payment assistance programs in communities that were shut out of homeownership by redlining and segregation practices; create hard-to-refuse incentives for local governments to eliminate land use rules that currently drive up costs and reduce the construction of new affordable housing; provide support to underwater borrowers, primarily in suburban and rural communities; modernize the Community Reinvestment Act so it covers more financial institutions and promotes more sustainable investments in LMI communities; update the Fair Housing Act of 1968 to prevent discrimination against people because of sexual orientation, gender identity, marital status, source of income, or veterans status; return the estate tax thresholds to their levels at the end of the Bush Administration - affecting about 10,000 of the wealthiest families in the country - in order to fund the provisions in the bill Support the Disability Integration Act, S.117 / H.R. 555, to ensure that people with disabilities can live in the community rather than be forced into nursing facilities and other institutions. Support increasing resources to fight housing discrimination; support HR 149

H.R. 24 Federal Reserve Transparency Act H.R. 85 Fund and Complete the Border Wall Act H.R. 116 Investing in Main Street Act of 2019 H.R. 189 Financial Institution Consumer Protection Act H.R. 388 Financial Reporting Threshold Modernization H.R. 442 Financial Protection for Our Military Families Act H.R. 469 Replacement Cost for NFIP Premium Valuation H.R. 470 To Repeal Mandatory Flood Insurance Coverage for Commercial Properties in Flood Areas H.R. 578 The Cooperate with Law Enforcement and Watch Act H.R. 658 National Infrastructure Development Bank Act H.R. 741 Tailor Act of 2019 H.R. 799 Federal Worker Credit Protection Act of 2019 H.R. 800 Federal Workers Banking Assistance Act H.R. 974 Federal Reserve Supervision Testimony Clarification Act H.R. 1038 Treasury Dept. to take greater role in Anti-Money Laundering/CFT policy and examinations H.R. 1039 Streamline Currency Transaction Reports and Suspicious Activity Reports H.R. 1282 Data Accountability and Trust Act H.R. 1285 Improving Access to Traditional Banking Act H.R. 1387 CONFRONT Act H.R. 1491 FINTECH Act of 2019 H.R. 1595 SAFE Banking Act S. 148 Federal Reserve Transparency Act S. 331 Home Loan Quality Transparency Act S. 540 Self-Employed Mortgage Access Act S. 566 Expand Access to Capital for Rural Job Creators Act S. 583 Data Privacy Act S. 592 Cybersecurity Disclosure Act of 2019 S. 603 Financial Stability Oversight Council Improvement Act S. 630 Arbitration Fairness for Consumers Act S. 656 SAFE Lending Act of 2019 S. 1006 Truth in Lending Reform Bank Secrecy Act/Anti-Money Laundering Rules/ Legislation, including Beneficial Ownership Issue Brokered Deposits/ National Interest Rate Caps Call Report Streamlining Cannabis Banking CFPB Small Business Loan Data Collection Community Bank Access to Capital Community Bank Leverage Ratio Community Development Financial Institutions (CDFI) Fund Appropriations Community Reinvestment Act Corporate Ownership Transparency Credit Union Business Lending Powers Credit Union Emergency Mergers Credit Union Field of Membership Rules Credit Union Supplemental Capital Current Expected Credit Losses (CECL) Customer Due Diligence Rule Cybersecurity Data Security, Breaches and Privacy De Novo Bank Applications/Policy Deposit Concentration Cap Economic Growth, Regulatory Relief and Consumer Protection Act Implementation Examination Appeals Faster Payments Flood Insurance Reauthorization Home Mortgage Disclosure Act (HMDA) Regulations Housing Finance Reform Industrial Loan Corporation Loophole Reforms/ Square (ILC) Deposit Insurance Application Innovation Initiative (FinTech) Internal Control Audit Requirements Mortgage Servicing Regulations Nomination of Michelle Bowman for the Federal Reserve Board of Governors - For Full Term OCC Special Purpose Fintech Charter Postal Banking Prepaid Card Accounts Private Flood Insurance Qualified Mortgages, Ability to Repay Rules Regulatory Burden Relief for Community Banks Regulatory and Tax Relief for Community Banks Remittance Transfers SAFE Banking Act Strengthening the Tenth Amendment through Entrusting States Act Small Dollar Lending Systemic Risk Regulation/Prudential Standards