Expanding Access to Lending Options Act

Child RESCUE Act, not yet introduced, Rep. Abigail Spanberger; Rep. Ben Cline; Sen. John Cornyn STOP CSAM Act, Sen. Dick Durbin End Sexual Exploitation of Children Act, not yet introduced, Rep. Lucy McBath; Rep. Anthony Gonzalez Eliminating Abusive and Rampant Neglect of Interactive Technologies (EARN IT) Act of 2020 S.3389 (Sen. Graham and Blumenthal)Rep. Ann Wagner, Rep. Sylvia Garcia Kids Online Safety Act; Sens. Richard Blumenthal and Marsha Blackburn Stopping Harmful Image Exploitation and Limiting Distribution Act, Sen. Amy Klobuchar and Sen John Cornyn Project Safe Childhood Modernization Act Sen. John Cornyn; Sen. Amy Klobuchar; Sen. Jon Ossoff; Rep. Debbie Wasserman Schultz; Rep. Wesley Hunt Preventing Child Sex Abuse Act, Sen. Grassley; Sen. Ossoff Children and Teens Online Privacy Protection Act, Sen. Edward Markey; Sen. Bill Cassidy REPORT Act, S.474, Sen. Marsha Blackburn; Sen. Jon Ossoff Debbie Smith Reauthorization Act, S.499; H.R.1105, Sen. John Cornyn; Sen. Amy Klobuchar; Sen. Dianne Feinstein; Sen. Lindsey Graham; Rep. Ann Wagner; Rep. Wesley Hunt; Rep. Steve Cohen; Rep. Shiela Jackson Lee; Rep. Ben Cline Sexual Assault Kit Initiative Authorization Act, not yet introduced, Sen. John Cornyn Stopping Online Sexual Harassment Act of 2023, not yet introduced Sen. Brian Schatz Backlog Justice Act, not yet introduced Rep. Emmanuel Cleaver Stop Institutional Child Abuse Act, Reps. Buddy Carter and Ro Khanna and Sens. John Cornyn and Jeff Merkley Rape Kit Progress Backlog Act; Reps. Nancy Mace and Barbara Lee Providing materials and witnesses for the House Judiciary Subcommittee for Crime, Terrorism, and Federal Government Surveillance Children are not for Sale. PROTECT Our Children Reauthorization, not yet introduced, Sen. John Cornyn and Reps. Debbie Wasserman Schultz and Wesley Hunt Deep Fakes Bill, not yet introduced, Sen. Dick Durbin E-Safety Commissioner bill, not yet introduced Digital Consumer Protection Commission Act of 2023, Sens. Elizabeth Warren and Lindsey Graham REPORT Act; Sens. Marsha Blackburn and Jon Ossoff Justice in Sentencing for Survivors Act, Rep. Joseph Morelle NDO Fairness Act, Rep. Scott Fitzgerald Parity for Child Exploitation Offenders Act, Rep. Deborah Ross Safer Sports for Athletes Act of 2023, Rep. Ross National Human Trafficking Enhancement Act, Rep. Lee

Client expense: $22,391 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Child RESCUE Act, not yet introduced, Rep. Abigail Spanberger; Rep. Ben Cline; Sen. John Cornyn STOP CSAM Act, Sen. Dick Durbin End Sexual Exploitation of Children Act, not yet introduced, Rep. Lucy McBath; Rep. Anthony Gonzalez Eliminating Abusive and Rampant Neglect of Interactive Technologies (EARN IT) Act of 2020 S.3389 (Sen. Graham and Blumenthal)Rep. Ann Wagner, Rep. Sylvia Garcia Kids Online Safety Act; Sens. Richard Blumenthal and Marsha Blackburn Stopping Harmful Image Exploitation and Limiting Distribution Act, Sen. Amy Klobuchar and Sen John Cornyn Project Safe Childhood Modernization Act Sen. John Cornyn; Sen. Amy Klobuchar; Sen. Jon Ossoff; Rep. Debbie Wasserman Schultz; Rep. Wesley Hunt Preventing Child Sex Abuse Act, Sen. Grassley; Sen. Ossoff Children and Teens Online Privacy Protection Act, Sen. Edward Markey; Sen. Bill Cassidy REPORT Act, S.474, Sen. Marsha Blackburn; Sen. Jon Ossoff Debbie Smith Reauthorization Act, S.499; H.R.1105, Sen. John Cornyn; Sen. Amy Klobuchar; Sen. Dianne Feinstein; Sen. Lindsey Graham; Rep. Ann Wagner; Rep. Wesley Hunt; Rep. Steve Cohen; Rep. Shiela Jackson Lee; Rep. Ben Cline Sexual Assault Kit Initiative Authorization Act, not yet introduced, Sen. John Cornyn Stopping Online Sexual Harassment Act of 2023, not yet introduced Sen. Brian Schatz Backlog Justice Act, not yet introduced Rep. Emmanuel Cleaver Stop Institutional Child Abuse Act, Reps. Buddy Carter and Ro Khanna and Sens. John Cornyn and Jeff Merkley Rape Kit Progress Backlog Act; Reps. Nancy Mace and Barbara Lee Providing materials and witnesses for the House Judiciary Subcommittee for Crime, Terrorism, and Federal Government Surveillance Children are not for Sale. PROTECT Our Children Reauthorization, not yet introduced, Sen. John Cornyn and Reps. Debbie Wasserman Schultz and Wesley Hunt Deep Fakes Bill, not yet introduced, Sen. Dick Durbin E-Safety Commissioner bill, not yet introduced Digital Consumer Protection Commission Act of 2023, Sens. Elizabeth Warren and Lindsey Graham

Child RESCUE Act, not yet introduced, Rep. Abigail Spanberger; Rep. Ben Cline; Sen. John Cornyn STOP CSAM Act, Sen. Dick Durbin End Sexual Exploitation of Children Act, not yet introduced, Rep. Lucy McBath; Rep. Anthony Gonzalez SAYFE Act Rep Dave Joyce and Rep. Sylvia Garcia Eliminating Abusive and Rampant Neglect of Interactive Technologies (EARN IT) Act of 2020 S.3389 (Sen. Graham and Blumenthal)Rep. Ann Wagner, Rep. Sylvia Garcia Kids Online Safety Act; Sens. Richard Blumenthal and Marsha Blackburn Stopping Harmful Image Exploitation and Limiting Distribution Act, Sen. Amy Klobuchar and Sen John Cornyn Project Safe Childhood Modernization Act Sen. John Cornyn; Sen. Amy Klobuchar; Sen. Jon Ossoff; Rep. Debbie Wasserman Schultz; Rep. Wesley Hunt Preventing Child Sex Abuse Act, Sen. Grassley; Sen. Ossoff Children and Teens Online Privacy Protection Act, Sen. Edward Markey; Sen. Bill Cassidy REPORT Act, S.474, Sen. Marsha Blackburn; Sen. Jon Ossoff Debbie Smith Reauthorization Act, S.499; H.R.1105, Sen. John Cornyn; Sen. Amy Klobuchar; Sen. Dianne Feinstein; Sen. Lindsey Graham; Rep. Ann Wagner; Rep. Wesley Hunt; Rep. Steve Cohen; Rep. Shiela Jackson Lee; Rep. Ben Cline Sexual Assault Kit Initiative Authorization Act, not yet introduced, Sen. John Cornyn Stopping Online Sexual Harassment Act of 2023, not yet introduced Sen. Brian Schatz Backlog Justice Act, not yet introduced Rep. Emmanuel Cleaver Stop Institutional Child Abuse Act, Reps. Buddy Carter and Ro Khanna and Sens. John Cornyn and Jeff Merkley Mace Rape Kit Backlog Bill; not yet introduced Rep. Nancy Mace REPORT Act; Sens. Marsha Blackburn and Jon Ossoff

Client expense: $50,418 · Firm income: Not reported

Child RESCUE Act, not yet introduced, Rep. Abigail Spanberger; Rep. Ben Cline; Sen. John Cornyn STOP CSAM Act, not yet introduced End Sexual Exploitation of Children Act, not yet introduced, Rep. Lucy McBath; Rep. Anthony Gonzalez SAYFE Act, not yet introduced, Rep Dave Joyce; Rep. Sylvia Garcia Eliminating Abusive and Rampant Neglect of Interactive Technologies (EARN IT) Act of 2020 S.3389 (Sen. Graham and Blumenthal), not yet introduced, Rep. Ann Wagner, Rep. Sylvia Garcia Kids Online Safety Act not yet introduced, Sen. Richard Blumenthal Stopping Harmful Image Exploitation and Limiting Distribution Act, not yet introduced, Sen. Amy Klobuchar; Sen John Cornyn Project Safe Childhood Modernization Act, not yet introduced, Sen. John Cornyn; Sen. Amy Klobuchar; Sen. Jon Ossoff; Rep. Debbie Wasserman Schultz; Rep. Wesley Hunt Preventing Child Sex Abuse Actnot yet introduced, Sen. Grassley; Sen. Ossoff Children and Teens Online Privacy Protection Act, not yet introduced, Sen. Edward Markey; Sen. Bill Cassidy REPORT Act, S.474, Sen. Marsha Blackburn; Sen. Jon Ossoff Debbie Smith Reauthorization Act, S.499; H.R.1105, Sen. John Cornyn; Sen. Amy Klobuchar; Sen. Dianne Feinstein; Sen. Lindsey Graham; Rep. Ann Wagner; Rep. Wesley Hunt; Rep. Steve Cohen; Rep. Shiela Jackson Lee; Rep. Ben Cline SAAPM Resolution, S.Res.13; H.Res.53, Sen. Chuck Grassley; Sen. Amy Klobuchar; Rep. Brian Fitzpatrick; and Rep. Debbie Dingell Sexual Assault Kit Initiative Authorization Act, not yet introduced, Sen. John Cornyn Fighting International Child Exploitation Act, not yet introduced, Rep. Abigail Spanberger Protection of Child Victims by Online Predators Act, not yet introduced, Sen. John Cornyn Stopping Online Sexual Harassment Act of 2023, not yet introduced, Sen. Brian Schatz TRACE Act, not yet introduced, Rep. Joe Neguse Digital Regulatory Commission Bill, not yet introduced,Sen. Lindsey Graham and Sen. Elizabeth Warren

RAINN Hotline bill (reauthorization in TVPRA),H.R. 4229, Rep. Annie Kuster; Rep. Dave Joyce; Sen. Cornyn; Sen Klobuchar TVPRA of 2022S. 3949Sen. Dianne Feinstein; Sen. Chuck Grassley Abolish Human Trafficking Reauthorization Act, S. 3946Sen. Amy Klobuchar; Sen John Cornyn Protect Our Children Act Reauthorization; S.4834; Rep. Debbie Wasserman Schultz /Sen. John Cornyn Child Rescue Act; H.R. 5884; Rep. Abigail Spanberger; Rep. Ben Cline E-Safety Bill; not yet introduced; Rep. Jackie Speier Stop Institutional Child Abuse Act (SICAA); Sen. Jeff Merkley; Rep. Ro Khanna Backlog Justice Act of 2022; H.R. 8264Rep. Emmanuel Cleaver Stop Sexual Assault and Harassment in Transportation Act; H.R. 5706; Rep. Peter DeFazio END Child Exploitation Act; S.395; H.R. 1198; Sen. Catherine Cortez Masto; Sen. Marsha Blackburn; Rep. Anthony Gonzalez; Rep. Ann Kuster American Data Privacy and Protection Act; H.R. 8152; Rep. McMorris; Rep. Pallone Digital Services Oversight and Safety Act; H.R. 6796; Rep. Lori Trahan Data Protection Act of 2021; S. 2134; Sen. Kiristen Gillibrand Eliminating Abusive and Rampant Neglect of Interactive Technologies (EARN IT) Act of 2020 S.3389 (Sen. Graham and Blumenthal); H.R. 6544; Rep. Ann Wagner; Rep. Sylvia Garcia Kids Online Safety Act S. 3663Sen. Richard Blumenthal Justice for All Act; S.5033; Sen. John Cornyn; Sen. Patrick Leahy Stopping Harmful Image Exploitation and Limiting Distribution Act of 2022; S.3777; Sen. Amy Klobuchar; Sen. Richard Burr No Trafficking Zones Act; S.5226; Sen. Amy Klobuchar; Sen. John Cornyn; Rep. Shiela Jackson Lee FY23 Omnibus package and appropriations bills Speak Out Act; S.4524Sen. Kirsten Gillibrand; Sen. Marsha Blackburn Project Safe Childhood Modernization Act; not yet introduced; Sen. John Cornyn Preventing Child Sex Abuse ActS.4719Sen. Chuck Grassley; Sen. Jon Ossoff Children and Teens Online Privacy Protection Act; S.1628; Sen. Edward Markey; Sen. Bill Cassidy

Gender-based violence in Africa discussion with USAID/state dept Safer Seas Act - H.R.6866(House Coast Guard and Maritime Subcommittee bill) Rep. DeFazio, Peter A. Eliminating Abusive and Rampant Neglect of Interactive Technologies (EARN IT) Act of 2020 S.3389 (Sens. Lindsey Graham and Richard Blumenthal) Eliminating Abusive and Rampant Neglect of Interactive Technologies (EARN IT) Act of 2020 H.R. 8454 (Reps. Sylvia Garcia and Ann Wagner) The Project Safe Childhood Modernization Act (Senate - Sens. John Cornyn and Jon Ossoff) Child Rescue Act (House - Reps. Ben Cline and Abigail Spanberger) H.R.5884 Child RESCUE Act (Senate - Sen. John Cornyn) E-Safety Bill (still drafting) SANE Act (House - Reps. David Joyce and Deborah Ross) H.R. 6735 SANE Act (Senate - Sen. John Cornyn) S.3648 Africa GBV - USAID/state dept Ending Forced Arbitration for Sexual Assault and Sexual Harassment Act - (House Rep. Cheri Busto) (Sen. Kristen Gillibrand) H.R. 4445; S 2342 Eliminating Limits to Justice for Child Sex Abuse Victims Act of 2022 (Senate - Sen. Richard Durbin) S.3103 TCITP Event - communication w/ Debbie Wasserman Schultz and Cornyn office and Australian Commissioner Julie Iman Grant's staff VAWA - (Senate - Cornyn) S.3623 Trafficking Victims Prevention and Protection Reauthorization Act of 2022 (Senate - Sen. Chuck Grassley) S.3949 Frederick Douglass Trafficking Victims Prevention and Protection Reauthorization Act of 2022 (House - Rep. Chris Smith) H.R.6552 Kids Online Safety Act - (Senate - Sens. Richard Blumenthal and Marsha Blackburn) Justice for All Act - (Senate - Sen. John Cornyn) Improving Data on Sexual Violence - Sen. Robert Portman/Sen. Joni Ernst bill not yet introduced Protect Our Minor Children (POMS) Act - Sen. Chuck Grassley bill, not yet introduced Cleaver Rape Kit Bill - not yet introduced DOJ letter/oversight hearing - working w/ Debbie Wasserman Schultz office Protecting Trans Survivors of Domestic Violence and Sexual Assault - Draft bill by Rep. Jayapal SHIELD Act - S.3777, (Senate - Sen. Amy Klobuchar) MDT FBI Bill - Cornyn, not yet introduced, may be added to TVPRA SAAPM Resolution 2022 (Sens. Dianne Feinstein/Chuck Grassley) END Child Exploitation Act (Senate - Sen. Marsha Blackburn) S.365 END Child Exploitation Act (House - Rep. Anthony Gonzalez) H.R.1198 Protect Our Children Act reauthorization - not yet drafted, just spoke with Rep. Debbie Wasserman Schultz office (House) and Sen. John Cornyn (senate) Stealthing Act of 2022 (House - Rep. Carolyn Maloney) Consent is Key Act (House - Rep. Norma Torres) RAINN hotline reauthorization (not yet introduced - discussed w/ Amy Klobuchar's office)

The Child RESCUE Act (Rep. Spanberger and Rep. Cline)H.R.5884 The Project Safe Childhood Modernization Act of 2021 (Sen. Cornyn) (not yet introduced) H.R. 4445, the Ending Forced Arbitration of Sexual Assault and Sexual Harassment Act of 2021 (Rep. Bustos)H.R.4445 Violence Against Women Reauthorization Act H.R.1620 Eliminating Abusive and Rampant Neglect of Interactive Technologies (EARN IT) Act of 2020 S.3389 (Sen. Graham and Blumenthal) Eliminating Abusive and Rampant Neglect of Interactive Technologies (EARN IT) Act of 2020 H.R. 8454 (Rep. Garcia and Wagner)not reintroduced Eliminating Limits to Justice for Child Sex Abuse Victims Act of 2021S.3103 KIDS ActH.R.5439S.2918 Protecting the Information of our Vulnerable Children and Youth Act (Kids PRIVCY Act) Rep. Castor, KathyH.R.4801 Children and Teens Online Privacy Act (COPPA 2.0)bill number S.1628 SANE bill(not yet introduced)(not yet introduced) "Ending Forced Arbitration for Sexual Assault and Sexual Harassment Act."HB 4445;S 2342 House and Senate Appropriations bills - CJS HR 4505S.3042 House and Senate Appropriations bills - SFOPsHR 4373S.3075 National Domestic Violence Prevention Plan Act (Wexton bill)H.R.5762 Protecting Our Kids Act of 2021H.R.1781 HOTLINES FOR SEXUAL ABUSE VICTIMS IN DETENTION FACILITIESnot introduced yet Cyber Harassment Act of 2019 (Feinstein - may be added to Senate TVPRA)(not reintroduced) E-Safety Bill -, Rep. Speier bill (House)not yet introduced Frederick Douglas Trafficking Victims Prevention Reauthorizations Act of 2021 (Rep. Chris Smith/ Rep Karen Bass)H.R.5150 National Sexual Assault Hotline Grants Reauthorization (Rep. Kuster)H.R.4229 Native Youth and Tribal Officer Protection ct (Rep. O'Halleran)HR 2740 Justice for All - (Sen. John Cornyn (R-TX)) and Sen. Patrrick Leahy (D-VT))not introduced yet Sexual Abuse Services in Detention Act - not yet introduced (Sen. Cornyn)

Project Safe Childhood Reauthorization Act Frederick Douglass Trafficking Victims Prevention and Protection Reauthorization Act of 2021 (Rep. Chris Smith (R-NJ-04)) E-Safety Bill VAWA Reauthorization Act Eliminating Abusive and Rampant Neglect of Interactive Technologies (EARN IT) Act of 2020 S.3389 (Sen. Graham and Blumenthal) Eliminating Abusive and Rampant Neglect of Interactive Technologies (EARN IT) Act of 2020 H.R. 8454(Rep. Garcia and Wagner) National Sexual Assault Hotline Grants Reauthorization Act (Rep. Kuster) Sexual Abuse Services in Detention Act - not yet introduced (Sen. Cornyn) Stopping Harmful Image Exploitation and Limiting Distribution (SHIELD) Act (Sen. Klobuchar, Senate, Rep. Speier - House bill incorporated into VAWA) Native Youth and Tribal Officer Protection Act (HR2740 - Rep. OHalleran) Protecting the Information of our Vulnerable Children and Youth Act (Kids PRIVCY Act) H.R. 4801 - (Rep. Castor, Kathy [D-FL-14]) Justice for All - (Sen. John Cornyn (R-TX) and Sen Patrick Leahy (D-VT)) No Time Limit for Justice - (Sen. Gillibrand) "Eliminating Limits to Justice for Child Sex Abuse Victims Act of 2021" End Child Exploitation Act HR1198./s 365 Child RESCUE Act (Spanberger & Cornyn) Safe Connections Act (Schatz) White House Stakeholder Meeting: Online Harassment and Abuse

Client expense: $15,943 · Firm income: Not reported

Sexual Abuse Services in Detention Act - not yet introduced Eliminating Abusive and Rampant Neglect of Interactive Technologies (EARN IT) Act of 2020 S.3389 (Sen. Graham and Blumenthal) Eliminating Abusive and Rampant Neglect of Interactive Technologies (EARN IT) Act of 2020 H.R. 8454(Rep. Garcia and Wagner) Victims of Crime Act Fix - S.611 and H.R. 1652 Sexual Assault Awareness and Prevention Month Resolution, 2021 (House and Senate) Violence Against Women Reauthorization Act H.R.1620 Project Safe Childhood Reauthorization Act - not yet introduced, (Senate) Stopping Harmful Image Exploitation and Limiting Distribution Act (Senate) Safe Connections Act - not yet introduced, Sen. Schatz bill (Senate) E-Safety Bill - not yet introduced, (House) Rape kit backlog legislation - not yet introduced, Prohibiting Punishment of Acquitted Conduct Act of 2021, S. 601 Sen. Durbin Native Youth and Tribal Officer Protection Act (HR2740 - Rep. OHalleran) Trafficking Victims Protection Reauthorization Act

Client expense: $11,003 · Firm income: Not reported

H.R.6379 Take Responsibility for Workers and Families Act S.3566Stop Overdraft Profiteering during COVID-19 Emergency Act of 2020 - to prohibit depository institutions from assessing overdraft and non-sufficient fund fees during the novel coronavirus crisis and other disasters, and for other purposes. S.3560Small Business and Consumer Emergency Credit Act - To amend the Truth in Lending Act to extend the consumer credit protections provided to members of the Armed Forces and their dependents under title 10, United States Code, to all consumers. S 3548To provide emergency assistance and health care response for individuals, families, and businesses affected by the 2020 coronavirus pandemic. S.3509A bill to provide borrowers the right to request forbearance on mortgage loan payments due to a declared disaster, and for other purposes. H.R.6321 To provide financial protections and assistance for America's consumers, States, businesses, and vulnerable populations during the COVID-19 emergency and to recover from the emergency. H.R.6363Student Debt Emergency Relief Act HR 748Coronavirus Aid, Relief, and Economic Security Act or the CARES Act - This bill responds to the COVID-19 (i.e., coronavirus disease 2019) outbreak and its impact on the economy, public health, state and local governments, individuals, and businesses H.R. 3674 the College Affordability Act, a bill to lower the costs of college for students and improve the quality of education H.J.Res.76 Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Department of Education relating to "Borrower Defense Institutional Accountability" HR 5050 / s 2833 To amend the Truth in Lending Act to extend the consumer credit protections provided to members of the Armed Forces and their dependents under title 10, United States Code, to all consumers 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. XXXXthe 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. 3841To protect 2020 recovery rebates for individuals from assignment or garnishment, and for other purposes. S. 3620To establish a Housing Assistance Fund at the Department of the Treasury. This bill provides funds for assistance to homeowners to prevent mortgage defaults, foreclosures, and displacements of individuals and families experiencing financial hardship after January 21, 2020. H.R. 6741 COVID-19 Mortgage Relief Act, to amend the CARES Act to provide forbearance and foreclosure moratoriums for all mortgage loans, and for other purposes. H.R. 6800 Health and Economic Recovery Omnibus Emergency Solutions Act (HEROES Act). Among other things, the bill modifies and expands the Paycheck Protection Program, which provides loans and grants to small businesses and nonprofit organizations; extends and expands the moratorium on certain evictions and foreclosures S. 3685Emergency Rental Assistance and Rental Market Stabilization Act of 2020, a bill to provide emergency rental assistance under the Emergency Solutions Grants program of HUD in response to the public health emergency resulting from the coronavirus, and for other purposes. H.J. Res 90 A Congressional Review Act resolution of disapproval to nullify the OCCs Community Reinvestment Act rule H.R. 679 Promoting Access to Credit for Homebuyers Act of 2020, to promote access to mortgage credit during the COVID-19 pandemic by preventing restrictions on providing Federal backing for single-family mortgage loans in forbearance, and for other purposes. S. 4519Rent Emergencies Leave Impacts on Evicted Families Act (RELIEF Act), A bill to provide mortgage relief and to provide eviction relief for renters related to the COVID-19 pandemic S.4260 - Promoting Access to Credit for Homebuyers Act of 2020 S 4073 - the Neighborhood Homes Investment Act HR 6735, COVID-19 Fraud Prevention Act - This bill establishes the Consumer and Investor Fraud Working Group to prevent fraud during the COVID-19 (i.e., coronavirus disease 2019) pandemic. The working group must report monthly regarding resources available to consumers, public enforcement actions, and related consumer complaints. H.R.7889 - Small Business Lending Disclosure and Broker Regulation Act of 2020 H.R.8039 - Examining Educational Redlining in Lending Act S.4117 - Paycheck Protection Small Business Forgiveness Act. This bill modifies loan forgiveness under the Paycheck Protection Program established to support small businesses in response to COVID-19 (i.e., coronavirus disease 2019). S.4459 - CARES Congressional Oversight Commission Diversity Act of 2020. The bill would amend the CARES Act to modify the membership requirements of the Congressional Oversight Commission to ensure that groups disproportionately impacted by COVID-19 and the resulting economic recession are represented on the Commission. S.Res.711 - A resolution calling on the President of the United States to take executive action to broadly cancel Federal student loan debt. S.4321 - Continuing Small Business Recovery and Paycheck Protection Program Act. This bill establishes funding for, expands, and provides additional economic assistance to small businesses in response to COVID-19 (i.e., coronavirus disease 2019) S.4255 - Jobs and Neighborhood Investment Act. The legislation would provide eligible community development financial institutions (CDFIs) and Minority Depository Institutions (MDIs) with capital, liquidity, and operational capacity, to expand the flow of credit into underserved, minority, and historically disadvantaged communities, helping small businesses stay afloat and expand operations, while providing affordable access to credit for lower income borrowers. S.3742 - RELIEF for Main Street Act. This bill establishes for one year the Small Business Local Relief Program, which shall allocate resources to states, local governments, and Native American tribes for providing assistance to certain small businesses and nonprofits that have lost revenue due to COVID-19 (i.e., coronavirus disease 2019). S.4614 - Postal Banking Act. The Postal Banking Act would re-establish postal banking to provide financial security to millions of Americans in low-income and rural communities and create approximately $9 billion in annual revenue and strengthen USPS. H.R.6395 - William M. (Mac) Thornberry National Defense Authorization Act for Fiscal Year 2021. This bill authorizes FY2021 appropriations and sets forth policies for Department of Defense (DOD) programs and activities, including military personnel strengths. It does not provide budget authority, which is provided in subsequent appropriations legislation. H.Amdt.843 to H.R.6395. An amendment numbered 17 printed in House Report 116-457 to extend CARES student loan protections for private student loan borrowers who were left out of the CARES Act. It also amendment extends the private student loan protections to September 30, 2021. H.Amdt.840 to H.R.6395. Amendment provides up to $10,000 in immediate assistance to pay down the balance of private student loans, and requires the servicer to modify the loan when borrower payments resume. S.4237 - Student Loan Fairness Act. The Student Loan Fairness Act (S. 4237) will extend the CARES Act student loan relief to recipients of Perkins loans and commercially-held FFEL loans by covering the cost of interest and suspending monthly payments for the period of March 13 through September 30, 2020, and suspending all involuntary collection, such as administrative wage garnishment or offsets from tax refunds, for this period. H.R. 68 Housing Fairness Act. This bill authorizes funds for HUD to prevent housing discrimination through the use of nationwide testing, increases funds for the Fair Housing Initiative Program, and provides grants to private entities to study housing discrimination. S. 404Coronavirus Housing Counseling Improvement Act. This bill provides funding for the Neighborhood Reinvestment Corporation (NeighborWorks) to support housing counseling services for homeowners, renters, people experiencing/risk of homelessness navigate housing options and rights during the COVID-19 crisis. Bill also requires that no less than 40% of the $700 million fund is targeted to counseling organizations that serve minority and low-income homeowners and renters. H.R. 3154Homeownership for DREAMers Act. This bill prohibits federal mortgage providers from limiting insurance eligibility on the basis of the mortgagor's participation in the Deferred Action for Childhood Arrivals Program. S. __Mapping Housing Discrimination Act. To authorize a grant program for educational institutions to analyze, digitize, and map historic records relating to housing discrimination. S. 787American Housing and Economic Mobility Act. This bill supports affordable housing and fair housing by investing in various housing programs (National Housing Trust Fund, CDBG, etc), providing down payment assistance, and expanding the Fair Housing Act's proteections. H.R. __Downpayment Toward Equity Act. This bill provides downpayment assistance to first-generation homebuyers to address multigeneration inequities in access to homeownership. HR 1319 - American Rescue Plan Act of 2021 - This bill provides additional relief to address the continued impact of COVID-19 (i.e., coronavirus disease 2019) on the economy, public health, state and local governments, individuals, and businesses. H. Res. 100 - This resolution calls on the President to take executive action to cancel up to $50,000 in federal student loan debt for borrowers. Further, it encourages the President to (1) ensure that borrowers have no tax liability from the debt cancellation, (2) ensure that the debt cancellation helps close racial wealth gaps, and (3) pause student loan payments and interest accumulation on federal student loans for the duration of the COVID-19 (i.e., coronavirus disease 2019) pandemic. S. 355 - COVID-19 Medical Debt Collection Relief Act - This bill temporarily limits certain activities to collect medical debts by health care providers that apply for, or accept, COVID-19 (i.e., coronavirus 2019) financial relief. S. 210 - Protecting Job Opportunities for Borrowers Act - This bill prohibits a state from suspending, revoking, or denying a state-issued driver's license, teaching license, or professional license based solely on an individual's default or delinquency on a federal student loan or health education loan. Further, an aggrieved individual may bring a civil action against a state for violations. HR 166 - Fair Lending for All Act - This bill modifies provisions related to prohibited credit discrimination. S 3389 - Expanding Access to Lending Options Act - This bill allows the National Credit Union Administration Board to increase the federal credit union loan maturity cap from 15 to 20 years. HR__, the Small Business Fairness Lending Act HR 1491, the Fair Debt Collection Practices for Servicemembers Act - This bill prohibits a debt collector from representing to service members that failure to cooperate with a debt collector will result in a reduction of rank, a revocation of security clearance, or military prosecution. The Government Accountability Office must report on the impact of this prohibition on the timely delivery of information to service members, military readiness, and national security. HR 2498, the Private Loan Disability Discharge Act - A legislative analyst in the Congressional Research Service will begin analyzing this legislation after text becomes available. HR 2537, the Consumer Protection for Medical Debt Collections Act - To amend the Fair Debt Collection Practices Act to provide a timetable for the collection of medical debt by debt collectors, to amend the Fair Credit Reporting Act to prohibit consumer reporting agencies from issuing consumer reports containing information about debts related to medically necessary procedures, and for other purposes. HR 1657, the Ending Debt Collection Harassment Act - To amend the Consumer Financial Protection Act of 2010 and the Fair Debt Collection Practices Act to improve consumer protections relating to debt collection practices, and for other purposes HR 2572, the Stop Debt Collection Abuse Act - To amend the Fair Debt Collection Practices Act to restrict the debt collection practices of certain debt collectors. HR __, the Debt Collection Practices Harmonization Act - This bill applies certain consumer protections regarding debt collection to debt owed to a state. It also specifies that existing limits on civil damages awarded for abusive practices by a debt collector must be adjusted for inflation. HR 2458, the Non-Judicial Foreclosure Debt Collection Clarification Act - To amend the Fair Debt Collection Practices Act to clarify that the definition of a debt collector includes, in all cases, a person in a business the principal purpose of which is the enforcement of security interests.

No Time Limit for Justice Act (Sen. Gillibrand) Sexual Abuse Services in Detention Act - not yet introduced (Sen. Cornyn) Eliminating Abusive and Rampant Neglect of Interactive Technologies (EARN IT) Act of 2020 S.3389 (Sen. Graham and Blumenthal) Eliminating Abusive and Rampant Neglect of Interactive Technologies (EARN IT) Act of 2020 H.R. 8454(Rep. Garcia and Wagner) Victims of Crime Act Fix - S.611 and H.R. 1652 Sexual Assault Awareness and Prevention Month Resolution, 2021 (House and Senate) Violence Against Women Reauthorization Act H.R.1620 Project Safe Childhood Reauthorization Act - not yet introduced, Sen. Cornyn (Senate) Stopping Harmful Image Exploitation and Limiting Distribution Act (Senate) Safe Connections Act - not yet introduced, Sen. Schatz bill (Senate) E-Safety Bill - not yet introduced, Rep. Speier bill (House) Cyber Harassment Act - not yet introduced, Sen. Feinstein bill (Senate) Supporting Survivors of Sexual Harassment in Schools Act - not yet introduced, Rep. Meng's bill (House) The PROTECT Kids Act - H.R. 1781 Rep. Walberg (House)

Client expense: $28,000 · Firm income: Not reported

Issues related to credit union operations Issues related to credit union field of membership Issues related to credit union service organization Issues related to vacancies on the National Credit Union Administration (NCUA) Board Issues related to NCUA's low income designation regulations Issues related to NCUA examination procedures Issues related to NCUA's regulation regarding its regulatory emergency liquidity Issues related to NCUA's rulemaking process Issues related to NCUA's Advanced Notice of Proposed Rulemaking on Alternative Capital Issues related to NCUA's regulatory review process Issues related to Federal Credit Union Bylaws Issues related to credit union loan maturity restrictions Issues related to credit union investment authority Issues related to Regulation of Federal Credit Union By-laws Issues related to credit unions' incidental powers Issues related to credit unions ability to offer prepaid cards Issues related to credit union service to marijuana businesses Issues related to material loss reports of the NCUA Office of Inspector General Issues related to the regulation of corporate credit unions Issues related to the use of Eminent Domain to Seize Performing Mortgage Loans Issues related to fixed assets Issues related to credit union conversions Issues related to credit union call report modernization Issues related to NCUA's Corporate Credit Union Stabilization Plan Issues related to NCUA's budget and the overhead transfer rate Issues related to Credit Union Service Organizations (CUSO) Issues related to the authority of the CFPB to exempt credit unions from its rulemaking Issues related to the CFPB rule to remittances and international wire transfers Issues related to CFPB's Leadership Structure and Installing a Board rather than a Director Issues related to codifying the CFPB's Credit Union Advisory Council Issues related to requiring SBREFA Panels for CFPB Rulemakings Issues related to overdraft protection and check ordering practices Issues related to mortgage servicing Issues related to mortgage loan originator compensation and qualifications Issues related to the CFPB's rule regarding qualified mortgage / ability to repay Issues related to the CFPB's regulation on Home Mortgage Disclosure Act (Regulation C) Issues related to the CFPB's regulation on Truth-In-Lending Act / Real Estate Settlement Procedures Act Integrated Disclosures Issues related to the payday, vehicle title, and similar lending Issues related to short term lending products and advance deposit products Issues related to the CFPB's consumer complaint database Issues related to the Department of Justice's investigation entitled, "Operation Choke Point" Issues related to the Department of Defenese Poposal regarding Credit Extending to Service Members under MLA Issues related to indirect auto lending Issues related to credit union service to unbanked and underbanked consumers Issues related to the Financial Accounting Standards Board (FASB) Issues related to data and cyber security Issues related to mobile banking and mobile payments Issues related to identity theft and fraud reduction Issues related to secure payments Issues related to merchant data breaches Issues related to the payments system Issues related to Federal Reserve Regulation D Issues related to the Fed's implementation of same-day ACH Issues related to the Bank Secrecy Act and Currency Transaction Reporting Requirements Issues related to the oversight of the Federal Housing Administration Issues related to the USDA Rural Development Loan Program Issues related to the Federal Home Loan Bank System Issues related to Fannie Mae Capital Issues related to membership eligibility in the Federal Home Loan Bank System Issues related to financial literacy Issues related to Housing Finance Reform Issues related to student lending Issues related to the Economic Growth and Regulatory Paperwork Reduction Act process Issues related to retirement security Issues related to flood insurance Issues related to consumer's access to records Issues related to economic growth Issues related to Interchange Fees Issues related to the Equal Credit Opportunity Act Issues related to the Fair Housing act Issues related to the merger of credit unions Issues related to the Real Estate Settlement Procedures Act Issues related to Community Reinvestment Act Issues related to Regulation Z Issues related to Military Lending Act Issues related to Financial Technology Issues related to Small Business Lending Data Collection requirements Issues related to Involuntary liquidation of Federal Credit Unions and Claims procedures Issues related to Web-Based Quantitative Testing of Point of Sale / ATM Overdraft Disclosure Forms Issues related to residential appraisals Issues related to FHA appraisal certification Issues related to FHA and USDA Loan Modifications Issues related to payments innovation Issues related to Faster Payments Issues related to the Fair Credit Reporting Act Issues related to cooperative funding sources in federal appropriations legislation Issues related to debt collection requirements Issues related to capital reform for credit unions Issues related to procurement reform for private voluntary organizations Issues related to Federal Credit Union Charter Modernization Issues related to diversity and inclusion in Financial Services Issues related to Section 124 of the Federal Credit Union Act Issues related to NCUA's Fidelity Bonds Proposed Rule Issues related to the Consumer Financial Protection Bureau's No-Acton Letters and the BCFP Product Sandbox Issues related to the Consumer Financial Protection Bureau's proposal to extend the Payday Rule's compliance daedline Issues related to enterprise validation and approval of credit score models Issues related to the availability of Funds and Collection of Checks (Regulation CC) Issues related to arbitration clauses Issues related to SBA 79(a) loan program Issues related to financial institutions operating on military installations Issues related to postal banking Issues related to robocalls and the Stopping Bad Robocalls Act Issues related to financial technology (FINTECH) Issues related to the Consumer Financial Protection Bureau Payday Rule Issues related to appraisals Issues related to student lending Issues related to robocalls and the draft Declaratory Ruling (the ruling) and Third Further Notice of Proposed Rulemaking (FNPRM) CG Docket No 17-59, WC Docket No. 17-97 Issues related to FY 2020 Foreign Assistance Budget and Policy Priorities Issues related to payday and small dollar lending Issues related to leases of non-excess property on military bases Issues related to Opportunity Zones Issues related to minority homeownership Issues related to permit Federal Credit Unions to establish their own fiscal year Issues related to striking a requirement that Federal credit unions file certain information regarding loan officers Issues related to enhance flexibility of Federal Credit Unions to schedule board meetings Issues related to remove certain outdated responsibilities of Federal credit union board of directors Issues related to permit Federal credit unions to expel disruptive members for just cause without a vote Issues related to permit balloting for conversions from state to federal charter and from federal to state charter to be conducted electronically Issues related to the draft bill improving Laundering Laws and Increasing Comprehensive Information Issues related to tracking of Criminal Activity in Shell Holding (ILLICIT CASH Act) Issues related to PACE loans Issues related to Consumer Financial Protection Bureau's HMDA reporting thresholds Issues on NCUA Executive compensation rules Issues related to business access to financial services Issues related to Strengthening Cybersecurity for the Financial Sector Act of 2019 Issues related to minority depository institutions Issues related to the Federal Reserve's Faster Payments Proposal Issues related to AI and cloud computing Issues related to the Consumer Online Privacy Rights Act Issues related to Credit Union Board Meeting Frequency Issues related to COVID-19 crisis response legislation Issues related to the regulation of overtime Issues related to the Paycheck Protection Program Issues related to Taxi Medallion loans Issues related to essential services designation for financial services during COVID-19 Issues related to QRM Risk Retention review Issues related to NCUA's proposed rule on Combination transactions Issues related to the Freezing Assets of Suspected Terrorist and Enemy Recruits Act of 2020 Issues related to the regulation of credit unions as employers Issues related to liability protections for businesses Issues related to remote notary Issues related to Federal Home Loan Bank liquidity Issues related to digital identity legislation Issues related to Paid Leave Payroll Tax Credits Issues related to the Central Liquidity Facility (CLF) Issues related to Economic Impact Payments Issues related to Fed Accounts Issues related to the Federal Reserve's Main Street Lending Program Issues related to the legislation to temporarily halt the Federal financial regulators from carrying out rulemakings unrelated to the COVID-19 emergency until the end of such emergency Issues related to troubled debt restructuring Issues related to Prompt Corrective Action requirements Issues related to NCUA subordinated debt rulemaking Issues related to Uniform Residential Loan application Issues related to digitalization of money Issues related to electronic signatures on wire transfer documents Issues related to cybercriminal activity during COVID-19 Issues related to lender forbearance Issues related to Paycheck Protection Program forgiveness process Issues related to Agriculture Lending Issues related to Fair Debt Collection Practices Act Issues related to Diversity in Financial Regulatory Advisory Committees Act Issues related to Federal Home Loan Bank Board Diversity Act Issues related to Federal Reserve Bank Board Diversity Act Issues related to the FHFA market fee increase Issues related to OCC payment charters Issues related to the Student Empowerment and Financial Literacy Act Issues related to provision 4013 of the Coronavirus Aid, Relief and Economic Security Act Issues related to setting an American Framework to Ensure Data Access, Transparency and Accountability Issues related to Tax provisions in the CARES Act Issues related to the Federal Reserve on FedNOW Issues related to support of legislation to create CDFI National Crisis Fund Issues related to OCC National Bank and Savings Association Digital Activities Issues related to FHFA's proposed Adverse Market Refinance Fee Issues related to the treatment of certain COVID-19 Loss Mitigation options under RESPA (Reg X) Issues related to the NCUA 2020 Regulatory Review Issues related to premium assessments by the National Credit Union Share Insurance Issues related to the proposed exclusion of PPP Loans from financial institution asset calculations Issues related to Provision 4013 of the CARES Act Issues related to Provision 4016 of the CARES Act Issues related to the oversight of prudential regulators Issues related to Section 1071 Small Business data collection rulemaking Issues related to PAL 1 Program Issues related to credit union asset size thresholds for regulatory compliance Issues related to NCUA 2020-2021 Budget Issues related to NCUA MERIT examination system Issues related to NCUA Derivatives rulemaking Issues related to mortgage servicer assistance Issues related to Section 4022 of the CARES Act Issues related to the ability of NCUA to offer forbearance from Prompt Corrective Action Requirements Issues related to Temporarily Excluding Certain Low-Risk Assets from the Credit Union Net Worth Ratio Issues related to London Inter-Bank Offered Rate (LIBOR) Issues related to the regulation of Federal Employment Laws Issues related to the Office of Comptroller Charter Issues related to the Crypto Charter Issues related to the Solar Winds Data Breach Issues related to PPP Loan Necessity Questionnaires Issues related to SBA Economic Injury Disaster Loan Advances Issues related to Seasoned QM Loan Definition Issues related to FHFA Strategic Plan for 2021-2024 Issues related to GSE Housing Goals H.R. 133, the Consolidated Appropriations Act for FY 2021 H.R. 266, Paycheck Protection Program and Healthcare Enhancement Act H.R. 388, the Financial Reporting Threshold Modernization Act H.R. 442, to amend the Consumer Financial Protection Act of 2010 to extend the supervisory authority of the Bureau of Consumer Financial Protection to include assessing compliance with the Military Lending Act H.R. 748, the Coronavirus Aid, Relief, and Economic Security Act, Title I and Secs. 4008, 4012, 4014 of Title IV H.R.1039, to streamline requirements for currency transaction reports and suspicious activity reports and for other purposes H.R. 1158, the FY2020 Consolidated Appropriations Act (funding for the CDFI Fund as well as the Community Development Revolving Loan Fund) H.R. 1500, the Consumers First Act H.R. 1595, the Secure and Fair Enforcement (SAFE) Banking act of 2019 H.R. 1661, to provide the National Credit Union Administration Board flexibility to increase Federal credit Union loan maturities, and for other purposes H.R. 1737, the American Housing and Economic Mobility Act of 2019 H.R. 1865, FY2020 Further Consolidated Appropriations Act (funding for the Cooperative Development Program, tax extenders, repeal of "parking tax") H.R. 1957, the Taxpayers First Act of 2019 H.R. 2093, to amend the Controlled Substances Act to provide for a new rule regarding the application of the Act of marijuana, and for other purposes H.R. 2157, Supplemental Appropriations Act of 2019 H.R. 2162, Housing Financial Literacy Act of 2019 H.R. 2290, Shutdown Guidance for Financial Institutions Act H.R. 2305, Veterans Members Business Loan Act H.R. 2445, Self-Employed Mortgage Access Act H.R. 2500, National Defense Authorization Act for Fiscal Year 2020 H.R. 2513, Corporate Transparency Act of 2019 H.R. 2514, Coordinating Oversight, Upgrading and Innovating Technology, and Examiner Reform Act of 2019 H.R. 2740, the State and Foreign Operations and Related Programs Appropriations Act H.R. 2852, Homebuyer Assistance Act of 2019 H.R. 3055, Further Continuing Appropriations Act, 2020, flood insurance provision H.R. 3111, National Flood Insurance Program Administration Reform Act of 2019 H.R. 3167, National Flood Insurance Program Re-authorization Act of 2019 H.R. 3182, Current Expected Credit Loss Consumer Impact and Study Bill of 2019 H.R. 3198, the Comprehensive Regulatory Review Act H.R. 3300, the Economic Mobility Act of 2019 H.R. 3301, the Taxpayer Certainty and Disaster Tax Relief Act of 2019 H.R. 3351, Financial Services and General Government Appropriations Act of 2020 H.R. 3375, the Stopping Bad Robocalls Act H.R. 4458, Cybersecurity and Financial System Resilience Act H.R. 4464, Monitoring and Curbing Abusive Debt Collection Clarification Act H.R. 4565, the Responsible Accounting Standards Act of 2019 H.R. 5001, Non-Judicial Foreclosure Debt Collection Clarification Act H.R. 5013, Small Business Fair Debt Collection Protection Act H.R. 5050, Veterans and Consumers Fair Credit Act H.R. 5132, Gun Violence Prevention through Financial Intelligence Act H.R. 5315, Expanding Opportunities for Minority Depository Institutions Act H.R. 5322, Ensuring Diversity in Community Banking Act of 2019 H.R. 5332, Protecting your Credit Score Act of 2019 H.R. 5332, Protection your Credit Score Act of 2019, Sec. 5 H.R. 5513, the Expanding Opportunities for Minority Depository Institutions Act H.R. 5981, Credit Union Board Modernization Act H.R. 6074, Coronavirus Preparedness and Response Supplemental Appropriations Act H.R. 6116, the Consumer Financial Protection Commission Act of 2020 H.R. 6201, the Families First Coronavirus Response Act, paid and sick leave provisions H.R. 6321, the Financial Protections and Assistance for America's Consumers, States, Businesses, and Vulnerable Populations Act H.R. 6395, National Defense Authorization Act for Fiscal Year 2021 H.R. 6423, to provide a temporary debt collection moratorium during the COVID-19 emergency period, and for other purposes H.R. 6550, Access to Credit for Small Businesses Impacted by the COVID-19 Crisis Act of 2020 H.R. 6551, the CARES Act Section 4014, Technical Corrections Act H.R. 6729, the COVID-19 Homeowner Assistance Fund Act H.R. 6735, the COVID-19 Fraud Prevention Act H.R. 6736, the Protect Rural Renters Act of 2020 H.R. 6741, the COVID-19 Mortgage Relief Act H.R. 6789, Access to Credit for Small Businesses Impacted by the COVID-19 Crisis Act of 2020 H.R. 6790, the Business Borrowers Protection Act H.R. 6800, Health and Economic Recovery Omnibus Emergency Solutions (HEROES) Act of 2020 H.R. 6820, the Emergency Rental Assistance and Rental Market Stabilization Act of 2020 H.R. 6861, Paycheck Protection Program Data and Diversity Accountability Act of 2020 H.R. 6873, the Emergency Housing Assistance for Older Adults Act of 2020 H.R. 6874, Paycheck Protection Program Transparency Act of 2020 H.R. 7084, the Emergency Housing Voucher Act of 2020 H.R. 7617, Defense, Commerce, Justice, Science, Energy and Water Development, Financial Services and General Government, Labor, Health and Human Services, Education, Transportation, Housing and Urban Development Appropriations Act of 2021 H.R. 7777, Paycheck Protection Small Business Forgiveness Act H.R. 7963, Credit Union Governance Modernization Act of 2020 H.R. 8160, Promoting Diversity and Inclusion in Banking Act of 2020 H.R. 8484, Student Empowerment and Financial Literacy Act H.R. 8675, Preventing Regulatory Penalties for PPP Lenders Act H.R. 8740, the Strengthening Cybersecurity for the Financial Sector Act of 2020 H.R. ____, the Protecting Consumers and Small Businesses through Forbearance Act H.R. ____, the Diversity in Financial Regulatory Advisory Committees Act H.Res 275, Supporting the goals and ideals of "Financial Literacy Month" H.Res 327, Encouraging greater public-private sector collaboration to promote financial literacy for students and young adults H.Res 328, Supporting the protection of elders through financial literacy H. Res 602, Support of resolution in support of cooperatives S. 151, Telephone Robocall Abuse Criminal Enforcement and Deterrence Act S. 787, the American Housing and Economic Mobility Act of 2019 S. 1028, Strengthening the Tenth Amendment through Entrusting States (STATES Act) S. 1200, Secure and Fair Enforcement Banking Act of 2019 (SAFE Act) S. 1564, Continued Encouragement for Consumer Lending Act S. 1624, HEALS Act S. 2524, the Financial Services and General Government Appropriations Act of Fiscal Year 2020 S. 2563, The Improving Laundering Laws and Increasing Comprehensive Information S. 2583, the State-Foreign Operations and Related Programs Appropriations Act for FY2020 S. 2833, Veterans and Consumers Fair Credit Act of 2019 S. 2834, Veterans member Business Loan Act S. 3003, the Financial Institution Customer Protection Act S. 3032, Strengthening the Tenth Amendment Through Entrusting States S. 3323, Credit Union Governance Modernization Act of 2020 S. 3326, Credit Union Modernization Act of 2019 S. 3389, Expanding Access to Lending Options Act S. 3533, the Securing and Enabling Commerce Using Remote and Electronic (SECURE) S. 3548, Coronavirus Aid, Relief, and Economic Security act, payroll tax provisions S. 3571, the Financial Protections and Assistance for America's Consumers, States, Businesses, and Vulnerable Populations Act S. 3620, A Bill to establish a Housing Assistance Fund at the Department of Treasury S. 3676, Access to Credit for Small Businesses Impacted by the COVID-19 Crisis Act of 2020 S. 4049, National Defense Authorization Act for Fiscal Year 2021 S. 4116, to extend the authority for commitments for the paycheck protection program and separate amounts authorized for other loans under section 7(a) of the Small Business Act, and for other purposes S. 4117, Paycheck Protection Small Business Forgiveness Act S. 4159 the E-SIGN Modernization Act of 2020 S. 4317, the SAFE to WORK Act S. 4430, CDFI Crisis Fund Act S. 4470, Rural Equal Aid Act of 2020 Sec. 2821 of S. 1790, the National Defense Authorization Act of FY 2020

Credit union products and services; Community Reinvestment Act, pay day and courtesy pay lending; data and payment security issues; Bank Secrecy Act; Federal Credit Union Act and Charter; Community Development Financial Institutions;Home Mortgage Disclosure Act; Low-Income Designation for credit unions; Property Assessed Clean Energy (PACE) financing. H.R. 1595 Cannabis Banking Safe Harbor; Consumer Financial Protection Bureau (CFPB) and related issues; Credit Union lending during Government Closure. H.R. 1661. H.R. 5981, credit union board modernization; S.3389 Expanding Access to Lending Options Act. H.R. 748 CARES Act (CV3).Debt collection practices; H.R. 6789 - credit union business lending safe harbor and expansion of central liqudity facility. Troubled Debt Restructuing; CECL and FASB related issues. The HEROS Act. H.R. 133 Consolidated Appropriations Act, 2021. Troubled Debt Restructures, Central Liqudity Facility, Paycheck Protection Program, and CISA issues.

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

Government targets: Consumer Financial Protection Bureau (CFPB), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Justice, Dept of (DOJ), Natl Credit Union Administration (NCUA), SENATE, Treasury, Dept of

H.R. 1661/S. 3389, relating to federal credit union loan maturity limits; all provisions. H.R. 6550/S. 3676, Access to Credit for Small Businesses Impacted by the COVID-19 Crisis Act, all provisions. H.R. 6800, the HEROES Act, provisions relating to debt collection. H.R. 7010, Paycheck Protection Program Flexibility Act, all provisions.

Client expense: Not reported · Firm income: $10,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to credit union operations Issues related to credit union field of membership Issues related to credit union service organization Issues related to vacancies on the National Credit Union Administration (NCUA) Board Issues related to NCUA's low income designation regulations Issues related to NCUA examination procedures Issues related to NCUA's regulation regarding its regulatory emergency liquidity Issues related to NCUA's rulemaking process Issues related to NCUA's Advanced Notice of Proposed Rulemaking on Alternative Capital Issues related to NCUA's regulatory review process Issues related to Federal Credit Union Bylaws Issues related to credit union loan maturity restrictions Issues related to credit union investment authority Issues related to Regulation of Federal Credit Union By-laws Issues related to credit unions' incidental powers Issues related to credit unions ability to offer prepaid cards Issues related to credit union service to marijuana businesses Issues related to material loss reports of the NCUA Office of Inspector General Issues related to the regulation of corporate credit unions Issues related to the use of Eminent Domain to Seize Performing Mortgage Loans Issues related to fixed assets Issues related to credit union conversions Issues related to credit union call report modernization Issues related to NCUA's Corporate Credit Union Stabilization Plan Issues related to NCUA's budget and the overhead transfer rate Issues related to Credit Union Service Organizations (CUSO) Issues related to the authority of the CFPB to exempt credit unions from its rulemaking Issues related to the CFPB rule to remittances and international wire transfers Issues related to CFPB's Leadership Structure and Installing a Board rather than a Director Issues related to codifying the CFPB's Credit Union Advisory Council Issues related to requiring SBREFA Panels for CFPB Rulemakings Issues related to overdraft protection and check ordering practices Issues related to mortgage servicing Issues related to mortgage loan originator compensation and qualifications Issues related to the CFPB's rule regarding qualified mortgage / ability to repay Issues related to the CFPB's regulation on Home Mortgage Disclosure Act (Regulation C) Issues related to the CFPB's regulation on Truth-In-Lending Act / Real Estate Settlement Procedures Act Integrated Disclosures Issues related to the payday, vehicle title, and similar lending Issues related to short term lending products and advance deposit products Issues related to the CFPB's consumer complaint database Issues related to the Department of Justice's investigation entitled, "Operation Choke Point" Issues related to the Department of Defenese Poposal regarding Credit Extending to Service Members under MLA Issues related to indirect auto lending Issues related to credit union service to unbanked and underbanked consumers Issues related to the Financial Accounting Standards Board (FASB) Issues related to data and cyber security Issues related to mobile banking and mobile payments Issues related to identity theft and fraud reduction Issues related to secure payments Issues related to merchant data breaches Issues related to the payments system Issues related to Federal Reserve Regulation D Issues related to the Fed's implementation of same-day ACH Issues related to the Bank Secrecy Act and Currency Transaction Reporting Requirements Issues related to the oversight of the Federal Housing Administration Issues related to the USDA Rural Development Loan Program Issues related to the Federal Home Loan Bank System Issues related to Fannie Mae Capital Issues related to membership eligibility in the Federal Home Loan Bank System Issues related to financial literacy Issues related to Housing Finance Reform Issues related to student lending Issues related to the Economic Growth and Regulatory Paperwork Reduction Act process Issues related to retirement security Issues related to flood insurance Issues related to consumer's access to records Issues related to economic growth Issues related to Interchange Fees Issues related to the Equal Credit Opportunity Act Issues related to the Fair Housing act Issues related to the merger of credit unions Issues related to the Real Estate Settlement Procedures Act Issues related to Community Reinvestment Act Issues related to Regulation Z Issues related to Military Lending Act Issues related to Financial Technology Issues related to Small Business Lending Data Collection requirements Issues related to Involuntary liquidation of Federal Credit Unions and Claims procedures Issues related to Web-Based Quantitative Testing of Point of Sale / ATM Overdraft Disclosure Forms Issues related to residential appraisals Issues related to FHA appraisal certification Issues related to FHA and USDA Loan Modifications Issues related to payments innovation Issues related to Faster Payments Issues related to the Fair Credit Reporting Act Issues related to cooperative funding sources in federal appropriations legislation Issues related to debt collection requirements Issues related to capital reform for credit unions Issues related to procurement reform for private voluntary organizations Issues related to Federal Credit Union Charter Modernization Issues related to diversity and inclusion in Financial Services Issues related to Section 124 of the Federal Credit Union Act Issues related to NCUA's Fidelity Bonds Proposed Rule Issues related to the Consumer Financial Protection Bureau's No-Acton Letters and the BCFP Product Sandbox Issues related to the Consumer Financial Protection Bureau's proposal to extend the Payday Rule's compliance daedline Issues related to enterprise validation and approval of credit score models Issues related to the availability of Funds and Collection of Checks (Regulation CC) Issues related to arbitration clauses Issues related to SBA 79(a) loan program Issues related to financial institutions operating on military installations Issues related to postal banking Issues related to robocalls and the Stopping Bad Robocalls Act Issues related to financial technology (FINTECH) Issues related to the Consumer Financial Protection Bureau Payday Rule Issues related to appraisals Issues related to student lending Issues related to robocalls and the draft Declaratory Ruling (the ruling) and Third Further Notice of Proposed Rulemaking (FNPRM) CG Docket No 17-59, WC Docket No. 17-97 Issues related to FY 2020 Foreign Assistance Budget and Policy Priorities Issues related to payday and small dollar lending Issues related to leases of non-excess property on military bases Issues related to Opportunity Zones Issues related to minority homeownership Issues related to permit Federal Credit Unions to establish their own fiscal year Issues related to striking a requirement that Federal credit unions file certain information regarding loan officers Issues related to enhance flexibility of Federal Credit Unions to schedule board meetings Issues related to remove certain outdated responsibilities of Federal credit union board of directors Issues related to permit Federal credit unions to expel disruptive members for just cause without a vote Issues related to permit balloting for conversions from state to federal charter and from federal to state charter to be conducted electronically Issues related to the draft bill improving Laundering Laws and Increasing Comprehensive Information Issues related to tracking of Criminal Activity in Shell Holding (ILLICIT CASH Act) Issues related to PACE loans Issues related to Consumer Financial Protection Bureau's HMDA reporting thresholds Issues on NCUA Executive compensation rules Issues related to business access to financial services Issues related to Strengthening Cybersecurity for the Financial Sector Act of 2019 Issues related to minority depository institutions Issues related to the Federal Reserve's Faster Payments Proposal Issues related to AI and cloud computing Issues related to the Consumer Online Privacy Rights Act Issues related to Credit Union Board Meeting Frequency Issues related to COVID-19 crisis response legislation Issues related to the regulation of overtime Issues related to the Paycheck Protection Program Issues related to Taxi Medallion loans Issues related to essential services designation for financial services during COVID-19 Issues related to QRM Risk Retention review Issues related to NCUA's proposed rule on Combination transactions Issues related to the Freezing Assets of Suspected Terrorist and Enemy Recruits Act of 2020 Issues related to the regulation of credit unions as employers Issues related to liability protections for businesses Issues related to remote notary Issues related to Federal Home Loan Bank liquidity Issues related to digital identity legislation Issues related to Paid Leave Payroll Tax Credits Issues related to the Central Liquidity Facility (CLF) Issues related to Economic Impact Payments Issues related to Fed Accounts Issues related to the Federal Reserve's Main Street Lending Program Issues related to the legislation to temporarily halt the Federal financial regulators from carrying out rulemakings unrelated to the COVID-19 emergency until the end of such emergency Issues related to troubled debt restructuring Issues related to Prompt Corrective Action requirements Issues related to NCUA subordinated debt rulemaking Issues related to Uniform Residential Loan application Issues related to digitalization of money Issues related to electronic signatures on wire transfer documents Issues related to cybercriminal activity during COVID-19 Issues related to lender forbearance Issues related to Paycheck Protection Program forgiveness process Issues related to Agriculture Lending Issues related to Fair Debt Collection Practices Act Issues related to Diversity in Financial Regulatory Advisory Committees Act Issues related to Federal Home Loan Bank Board Diversity Act Issues related to Federal Reserve Bank Board Diversity Act Issues related to the FHFA market fee increase Issues related to OCC payment charters Issues related to the Student Empowerment and Financial Literacy Act Issues related to provision 4013 of the Coronavirus Aid, Relief and Economic Security Act Issues related to setting an American Framework to Ensure Data Access, Transparency and Accountability Issues related to Tax provisions in the CARES Act Issues related to the Federal Reserve on FedNOW Issues related to support of legislation to create CDFI National Crisis Fund Issues related to OCC National Bank and Savings Association Digital Activities Issues related to FHFA's proposed Adverse Market Refinance Fee Issues related to the treatment of certain COVID-19 Loss Mitigation options under RESPA (Reg X) Issues related to the NCUA 2020 Regulatory Review H.R. 266, Paycheck Protection Program and Healthcare Enhancement Act H.R. 388, the Financial Reporting Threshold Modernization Act H.R. 442, to amend the Consumer Financial Protection Act of 2010 to extend the supervisory authority of the Bureau of Consumer Financial Protection to include assessing compliance with the Military Lending Act H.R. 748, the Coronavirus Aid, Relief, and Economic Security Act, Title I and Secs. 4008, 4012, 4014 of Title IV H.R.1039, to streamline requirements for currency transaction reports and suspicious activity reports and for other purposes H.R. 1158, the FY2020 Consolidated Appropriations Act (funding for the CDFI Fund as well as the Community Development Revolving Loan Fund) H.R. 1500, the Consumers First Act H.R. 1595, the Secure and Fair Enforcement (SAFE) Banking act of 2019 H.R. 1661, to provide the National Credit Union Administration Board flexibility to increase Federal credit Union loan maturities, and for other purposes H.R. 1737, the American Housing and Economic Mobility Act of 2019 H.R. 1865, FY2020 Further Consolidated Appropriations Act (funding for the Cooperative Development Program, tax extenders, repeal of "parking tax") H.R. 1957, the Taxpayers First Act of 2019 H.R. 2093, to amend the Controlled Substances Act to provide for a new rule regarding the application of the Act of marijuana, and for other purposes H.R. 2157, Supplemental Appropriations Act of 2019 H.R. 2162, Housing Financial Literacy Act of 2019 H.R. 2290, Shutdown Guidance for Financial Institutions Act H.R. 2305, Veterans Members Business Loan Act H.R. 2445, Self-Employed Mortgage Access Act H.R. 2500, National Defense Authorization Act for Fiscal Year 2020 H.R. 2513, Corporate Transparency Act of 2019 H.R. 2514, Coordinating Oversight, Upgrading and Innovating Technology, and Examiner Reform Act of 2019 H.R. 2740, the State and Foreign Operations and Related Programs Appropriations Act H.R. 2852, Homebuyer Assistance Act of 2019 H.R. 3055, Further Continuing Appropriations Act, 2020, flood insurance provision H.R. 3111, National Flood Insurance Program Administration Reform Act of 2019 H.R. 3167, National Flood Insurance Program Re-authorization Act of 2019 H.R. 3182, Current Expected Credit Loss Consumer Impact and Study Bill of 2019 H.R. 3198, the Comprehensive Regulatory Review Act H.R. 3300, the Economic Mobility Act of 2019 H.R. 3301, the Taxpayer Certainty and Disaster Tax Relief Act of 2019 H.R. 3351, Financial Services and General Government Appropriations Act of 2020 H.R. 3375, the Stopping Bad Robocalls Act H.R. 4458, Cybersecurity and Financial System Resilience Act H.R. 4464, Monitoring and Curbing Abusive Debt Collection Clarification Act H.R. 4565, the Responsible Accounting Standards Act of 2019 H.R. 5001, Non-Judicial Foreclosure Debt Collection Clarification Act H.R. 5013, Small Business Fair Debt Collection Protection Act H.R. 5050, Veterans and Consumers Fair Credit Act H.R. 5132, Gun Violence Prevention through Financial Intelligence Act H.R. 5315, Expanding Opportunities for Minority Depository Institutions Act H.R. 5322, Ensuring Diversity in Community Banking Act of 2019 H.R. 5332, Protecting your Credit Score Act of 2019 H.R. 5332, Protection your Credit Score Act of 2019, Sec. 5 H.R. 5513, the Expanding Opportunities for Minority Depository Institutions Act H.R. 5981, Credit Union Board Modernization Act H.R. 6074, Coronavirus Preparedness and Response Supplemental Appropriations Act H.R. 6116, the Consumer Financial Protection Commission Act of 2020 H.R. 6201, the Families First Coronavirus Response Act, paid and sick leave provisions H.R. 6321, the Financial Protections and Assistance for America's Consumers, States, Businesses, and Vulnerable Populations Act H.R. 6395, National Defense Authorization Act for Fiscal Year 2021 H.R. 6423, to provide a temporary debt collection moratorium during the COVID-19 emergency period, and for other purposes H.R. 6550, Access to Credit for Small Businesses Impacted by the COVID-19 Crisis Act of 2020 H.R. 6551, the CARES Act Section 4014, Technical Corrections Act H.R. 6729, the COVID-19 Homeowner Assistance Fund Act H.R. 6735, the COVID-19 Fraud Prevention Act H.R. 6736, the Protect Rural Renters Act of 2020 H.R. 6741, the COVID-19 Mortgage Relief Act H.R. 6789, Access to Credit for Small Businesses Impacted by the COVID-19 Crisis Act of 2020 H.R. 6790, the Business Borrowers Protection Act H.R. 6800, Health and Economic Recovery Omnibus Emergency Solutions (HEROES) Act of 2020 H.R. 6820, the Emergency Rental Assistance and Rental Market Stabilization Act of 2020 H.R. 6861, Paycheck Protection Program Data and Diversity Accountability Act of 2020 H.R. 6873, the Emergency Housing Assistance for Older Adults Act of 2020 H.R. 6874, Paycheck Protection Program Transparency Act of 2020 H.R. 7084, the Emergency Housing Voucher Act of 2020 H.R. 7617, Defense, Commerce, Justice, Science, Energy and Water Development, Financial Services and General Government, Labor, Health and Human Services, Education, Transportation, Housing and Urban Development Appropriations Act of 2021 H.R. 7777, Paycheck Protection Small Business Forgiveness Act H.R. 7963, Credit Union Governance Modernization Act of 2020 H.R. 8160, Promoting Diversity and Inclusion in Banking Act of 2020 H.Res 275, Supporting the goals and ideals of "Financial Literacy Month" H.Res 327, Encouraging greater public-private sector collaboration to promote financial literacy for students and young adults H.Res 328, Supporting the protection of elders through financial literacy H. Res 602, Support of resolution in support of cooperatives S. 151, Telephone Robocall Abuse Criminal Enforcement and Deterrence Act S. 787, the American Housing and Economic Mobility Act of 2019 S. 1028, Strengthening the Tenth Amendment through Entrusting States (STATES Act) S. 1200, Secure and Fair Enforcement Banking Act of 2019 (SAFE Act) S. 1564, Continued Encouragement for Consumer Lending Act S. 1624, HEALS Act S. 2524, the Financial Services and General Government Appropriations Act of Fiscal Year 2020 S. 2563, The Improving Laundering Laws and Increasing Comprehensive Information S. 2583, the State-Foreign Operations and Related Programs Appropriations Act for FY2020 S. 2833, Veterans and Consumers Fair Credit Act of 2019 S. 2834, Veterans member Business Loan Act S. 3003, the Financial Institution Customer Protection Act S. 3032, Strengthening the Tenth Amendment Through Entrusting States S. 3323, Credit Union Governance Modernization Act of 2020 S. 3326, Credit Union Modernization Act of 2019 S. 3389, Expanding Access to Lending Options Act S. 3533, the Securing and Enabling Commerce Using Remote and Electronic (SECURE) S. 3548, Coronavirus Aid, Relief, and Economic Security act, payroll tax provisions S. 3571, the Financial Protections and Assistance for America's Consumers, States, Businesses, and Vulnerable Populations Act S. 3620, A Bill to establish a Housing Assistance Fund at the Department of Treasury S. 3676, Access to Credit for Small Businesses Impacted by the COVID-19 Crisis Act of 2020 S. 4049, National Defense Authorization Act for Fiscal Year 2021 S. 4116, to extend the authority for commitments for the paycheck protection program and separate amounts authorized for other loans under section 7(a) of the Small Business Act, and for other purposes S. 4117, Paycheck Protection Small Business Forgiveness Act S. 4159 the E-SIGN Modernization Act of 2020 S. 4317, the SAFE to WORK Act S. 4430, CDFI Crisis Fund Act Sec. 2821 of S. 1790, the National Defense Authorization Act of FY 2020

Credit union products and services; Community Reinvestment Act, pay day and courtesy pay lending; data and payment security issues; Bank Secrecy Act; Federal Credit Union Act and Charter; Community Development Financial Institutions;Home Mortgage Disclosure Act; Low-Income Designation for credit unions; Property Assessed Clean Energy (PACE) financing. H.R. 1595 Cannabis Banking Safe Harbor; Consumer Financial Protection Bureau (CFPB) and related issues; Credit Union lending during Government Closure. H.R. 1661. H.R. 5981, credit union board modernization; S.3389 Expanding Access to Lending Options Act. H.R. 748 CARES Act (CV3).Debt collection practices; H.R. 6789 - credit union business lending safe harbor and expansion of central liqudity facility. Troubled Debt Restructuing; CECL and FASB related issues. The HEROS Act.

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

Government targets: Consumer Financial Protection Bureau (CFPB), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Justice, Dept of (DOJ), Natl Credit Union Administration (NCUA), SENATE, Treasury, Dept of

H.R. 1661/S. 3389, relating to federal credit union loan maturity limits; all provisions. H.R. 6550/S. 3676, Access to Credit for Small Businesses Impacted by the COVID-19 Crisis Act, all provisions. H.R. 6800, the HEROES Act, provisions relating to debt collection. H.R. 7010, Paycheck Protection Program Flexibility Act, all provisions.

Client expense: Not reported · Firm income: $10,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to credit union operations Issues related to credit union field of membership Issues related to credit union service organization Issues related to vacancies on the National Credit Union Administration (NCUA) Board Issues related to NCUA's low income designation regulations Issues related to NCUA examination procedures Issues related to NCUA's regulation regarding its regulatory emergency liquidity Issues related to NCUA's rulemaking process Issues related to NCUA's Advanced Notice of Proposed Rulemaking on Alternative Capital Issues related to NCUA's regulatory review process Issues related to Federal Credit Union Bylaws Issues related to credit union loan maturity restrictions Issues related to credit union investment authority Issues related to Regulation of Federal Credit Union By-laws Issues related to credit unions' incidental powers Issues related to credit unions ability to offer prepaid cards Issues related to credit union service to marijuana businesses Issues related to material loss reports of the NCUA Office of Inspector General Issues related to the regulation of corporate credit unions Issues related to the use of Eminent Domain to Seize Performing Mortgage Loans Issues related to fixed assets Issues related to credit union conversions Issues related to credit union call report modernization Issues related to NCUA's Corporate Credit Union Stabilization Plan Issues related to NCUA's budget and the overhead transfer rate Issues related to Credit Union Service Organizations (CUSO) Issues related to the authority of the CFPB to exempt credit unions from its rulemaking Issues related to the CFPB rule to remittances and international wire transfers Issues related to CFPB's Leadership Structure and Installing a Board rather than a Director Issues related to codifying the CFPB's Credit Union Advisory Council Issues related to requiring SBREFA Panels for CFPB Rulemakings Issues related to overdraft protection and check ordering practices Issues related to mortgage servicing Issues related to mortgage loan originator compensation and qualifications Issues related to the CFPB's rule regarding qualified mortgage / ability to repay Issues related to the CFPB's regulation on Home Mortgage Disclosure Act (Regulation C) Issues related to the CFPB's regulation on Truth-In-Lending Act / Real Estate Settlement Procedures Act Integrated Disclosures Issues related to the payday, vehicle title, and similar lending Issues related to short term lending products and advance deposit products Issues related to the CFPB's consumer complaint database Issues related to the Department of Justice's investigation entitled, "Operation Choke Point" Issues related to the Department of Defenese Poposal regarding Credit Extending to Service Members under MLA Issues related to indirect auto lending Issues related to credit union service to unbanked and underbanked consumers Issues related to the Financial Accounting Standards Board (FASB) Issues related to data and cyber security Issues related to mobile banking and mobile payments Issues related to identity theft and fraud reduction Issues related to secure payments Issues related to merchant data breaches Issues related to the payments system Issues related to Federal Reserve Regulation D Issues related to the Fed's implementation of same-day ACH Issues related to the Bank Secrecy Act and Currency Transaction Reporting Requirements Issues related to the oversight of the Federal Housing Administration Issues related to the USDA Rural Development Loan Program Issues related to the Federal Home Loan Bank System Issues related to Fannie Mae Capital Issues related to membership eligibility in the Federal Home Loan Bank System Issues related to financial literacy Issues related to Housing Finance Reform Issues related to student lending Issues related to the Economic Growth and Regulatory Paperwork Reduction Act process Issues related to retirement security Issues related to flood insurance Issues related to consumer's access to records Issues related to economic growth Issues related to Interchange Fees Issues related to the Equal Credit Opportunity Act Issues related to the Fair Housing act Issues related to the merger of credit unions Issues related to the Real Estate Settlement Procedures Act Issues related to Community Reinvestment Act Issues related to Regulation Z Issues related to Military Lending Act Issues related to Financial Technology Issues related to Small Business Lending Data Collection requirements Issues related to Involuntary liquidation of Federal Credit Unions and Claims procedures Issues related to Web-Based Quantitative Testing of Point of Sale / ATM Overdraft Disclosure Forms Issues related to residential appraisals Issues related to FHA appraisal certification Issues related to FHA and USDA Loan Modifications Issues related to payments innovation Issues related to Faster Payments Issues related to the Fair Credit Reporting Act Issues related to cooperative funding sources in federal appropriations legislation Issues related to debt collection requirements Issues related to capital reform for credit unions Issues related to procurement reform for private voluntary organizations Issues related to Federal Credit Union Charter Modernization Issues related to diversity and inclusion in Financial Services Issues related to Section 124 of the Federal Credit Union Act Issues related to NCUA's Fidelity Bonds Proposed Rule Issues related to the Consumer Financial Protection Bureau's No-Acton Letters and the BCFP Product Sandbox Issues related to the Consumer Financial Protection Bureau's proposal to extend the Payday Rule's compliance daedline Issues related to enterprise validation and approval of credit score models Issues related to the availability of Funds and Collection of Checks (Regulation CC) Issues related to arbitration clauses Issues related to SBA 79(a) loan program Issues related to financial institutions operating on military installations Issues related to postal banking Issues related to robocalls and the Stopping Bad Robocalls Act Issues related to financial technology (FINTECH) Issues related to the Consumer Financial Protection Bureau Payday Rule Issues related to appraisals Issues related to student lending Issues related to robocalls and the draft Declaratory Ruling (the ruling) and Third Further Notice of Proposed Rulemaking (FNPRM) CG Docket No 17-59, WC Docket No. 17-97 Issues related to FY 2020 Foreign Assistance Budget and Policy Priorities Issues related to payday and small dollar lending Issues related to leases of non-excess property on military bases Issues related to Opportunity Zones Issues related to minority homeownership Issues related to permit Federal Credit Unions to establish their own fiscal year Issues related to striking a requirement that Federal credit unions file certain information regarding loan officers Issues related to enhance flexibility of Federal Credit Unions to schedule board meetings Issues related to remove certain outdated responsibilities of Federal credit union board of directors Issues related to permit Federal credit unions to expel disruptive members for just cause without a vote Issues related to permit balloting for conversions from state to federal charter and from federal to state charter to be conducted electronically Issues related to the draft bill improving Laundering Laws and Increasing Comprehensive Information Issues related to tracking of Criminal Activity in Shell Holding (ILLICIT CASH Act) Issues related to PACE loans Issues related to Consumer Financial Protection Bureau's HMDA reporting thresholds Issues on NCUA Executive compensation rules Issues related to business access to financial services Issues related to Strengthening Cybersecurity for the Financial Sector Act of 2019 Issues related to minority depository institutions Issues related to the Federal Reserve's Faster Payments Proposal Issues related to AI and cloud computing Issues related to the Consumer Online Privacy Rights Act Issues related to Credit Union Board Meeting Frequency Issues related to COVID-19 crisis response legislation Issues related to the regulation of overtime Issues related to the Paycheck Protection Program Issues related to Taxi Medallion loans Issues related to essential services designation for financial services during COVID-19 Issues related to QRM Risk Retention review Issues related to NCUA's proposed rule on Combination transactions Issues related to the Freezing Assets of Suspected Terrorist and Enemy Recruits Act of 2020 Issues related to the regulation of credit unions as employers Issues related to liability protections for businesses Issues related to remote notary Issues related to Federal Home Loan Bank liquidity Issues related to digital identity legislation Issues related to Paid Leave Payroll Tax Credits Issues related to the Central Liquidity Facility (CLF) Issues related to Economic Impact Payments Issues related to Fed Accounts Issues related to the Federal Reserve's Main Street Lending Program Issues related to the legislation to temporarily halt the Federal financial regulators from carrying out rulemakings unrelated to the COVID-19 emergency until the end of such emergency Issues related to troubled debt restructuring Issues related to Prompt Corrective Action requirements Issues related to NCUA subordinated debt rulemaking Issues related to Uniform Residential Loan application Issues related to digitalization of money Issues related to electronic signatures on wire transfer documents Issues related to cybercriminal activity during COVID-19 Issues related to lender forbearance Issues related to Paycheck Protection Program forgiveness process H.R. 266, Paycheck Protection Program and Healthcare Enhancement Act H.R. 388, the Financial Reporting Threshold Modernization Act H.R. 442, to amend the Consumer Financial Protection Act of 2010 to extend the supervisory authority of the Bureau of Consumer Financial Protection to include assessing compliance with the Military Lending Act H.R. 748, the Coronavirus Aid, Relief, and Economic Security Act, Title I and Secs. 4008, 4012, 4014 of Title IV H.R.1039, to streamline requirements for currency transaction reports and suspicious activity reports and for other purposes H.R. 1158, the FY2020 Consolidated Appropriations Act (funding for the CDFI Fund as well as the Community Development Revolving Loan Fund) H.R. 1500, the Consumers First Act H.R. 1595, the Secure and Fair Enforcement (SAFE) Banking act of 2019 H.R. 1661, to provide the National Credit Union Administration Board flexibility to increase Federal credit Union loan maturities, and for other purposes H.R. 1737, the American Housing and Economic Mobility Act of 2019 H.R. 1865, FY2020 Further Consolidated Appropriations Act (funding for the Cooperative Development Program, tax extenders, repeal of "parking tax") H.R. 1957, the Taxpayers First Act of 2019 H.R. 2093, to amend the Controlled Substances Act to provide for a new rule regarding the application of the Act of marijuana, and for other purposes H.R. 2157, Supplemental Appropriations Act of 2019 H.R. 2162, Housing Financial Literacy Act of 2019 H.R. 2290, Shutdown Guidance for Financial Institutions Act H.R. 2305, Veterans Members Business Loan Act H.R. 2445, Self-Employed Mortgage Access Act H.R. 2500, National Defense Authorization Act for Fiscal Year 2020 H.R. 2513, Corporate Transparency Act of 2019 H.R. 2514, Coordinating Oversight, Upgrading and Innovating Technology, and Examiner Reform Act of 2019 H.R. 2740, the State and Foreign Operations and Related Programs Appropriations Act H.R. 2852, Homebuyer Assistance Act of 2019 H.R. 3111, National Flood Insurance Program Administration Reform Act of 2019 H.R. 3167, National Flood Insurance Program Re-authorization Act of 2019 H.R. 3182, Current Expected Credit Loss Consumer Impact and Study Bill of 2019 H.R. 3198, the Comprehensive Regulatory Review Act H.R. 3300, the Economic Mobility Act of 2019 H.R. 3301, the Taxpayer Certainty and Disaster Tax Relief Act of 2019 H.R. 3351, Financial Services and General Government Appropriations Act of 2020 H.R. 3375, the Stopping Bad Robocalls Act H.R. 4458, Cybersecurity and Financial System Resilience Act H.R. 4464, Monitoring and Curbing Abusive Debt Collection Clarification Act H.R. 4565, the Responsible Accounting Standards Act of 2019 H.R. 5001, Non-Judicial Foreclosure Debt Collection Clarification Act H.R. 5013, Small Business Fair Debt Collection Protection Act H.R. 5050, Veterans and Consumers Fair Credit Act H.R. 5132, Gun Violence Prevention through Financial Intelligence Act H.R. 5315, Expanding Opportunities for Minority Depository Institutions Act H.R. 5322, Ensuring Diversity in Community Banking Act of 2019 H.R. 5332, Protecting your Credit Score Act of 2019 H.R. 5332, Protection your Credit Score Act of 2019, Sec. 5 H.R. 5513, the Expanding Opportunities for Minority Depository Institutions Act H.R. 5981, Credit Union Board Modernization Act H.R. 6074, Coronavirus Preparedness and Response Supplemental Appropriations Act H.R. 6116, the Consumer Financial Protection Commission Act of 2020 H.R. 6201, the Families First Coronavirus Response Act, paid and sick leave provisions H.R. 6321, the Financial Protections and Assistance for America's Consumers, States, Businesses, and Vulnerable Populations Act H.R. 6395, National Defense Authorization Act for Fiscal Year 2021 H.R. 6423, to provide a temporary debt collection moratorium during the COVID-19 emergency period, and for other purposes H.R. 6550, Access to Credit for Small Businesses Impacted by the COVID-19 Crisis Act of 2020 H.R. 6551, the CARES Act Section 4014, Technical Corrections Act H.R. 6736, the Protect Rural Renters Act of 2020 H.R. 6741, the COVID-19 Mortgage Relief Act H.R. 6789, Access to Credit for Small Businesses Impacted by the COVID-19 Crisis Act of 2020 H.R. 6790, the Business Borrowers Protection Act H.R. 6800, Health and Economic Recovery Omnibus Emergency Solutions (HEROES) Act of 2020 H.R. 6820, the Emergency Rental Assistance and Rental Market Stabilization Act of 2020 H.R. 6873, the Emergency Housing Assistance for Older Adults Act of 2020 H.R. 7084, the Emergency Housing Voucher Act of 2020 H.Res 275, Supporting the goals and ideals of "Financial Literacy Month" H.Res 327, Encouraging greater public-private sector collaboration to promote financial literacy for students and young adults H.Res 328, Supporting the protection of elders through financial literacy H. Res 602, Support of resolution in support of cooperatives S. 151, Telephone Robocall Abuse Criminal Enforcement and Deterrence Act S. 787, the American Housing and Economic Mobility Act of 2019 S. 1028, Strengthening the Tenth Amendment through Entrusting States (STATES Act) S. 1200, Secure and Fair Enforcement Banking Act of 2019 (SAFE Act) S. 1564, Continued Encouragement for Consumer Lending Act S. 2524, the Financial Services and General Government Appropriations Act of Fiscal Year 2020 S. 2563, The Improving Laundering Laws and Increasing Comprehensive Information S. 2583, the State-Foreign Operations and Related Programs Appropriations Act for FY2020 S. 2833, Veterans and Consumers Fair Credit Act of 2019 S. 2834, Veterans member Business Loan Act S. 3003, the Financial Institution Customer Protection Act S. 3032, Strengthening the Tenth Amendment Through Entrusting States S. 3323, Credit Union Governance Modernization Act of 2020 S. 3326, Credit Union Modernization Act of 2019 S. 3389, Expanding Access to Lending Options Act S. 3533, the Securing and Enabling Commerce Using Remote and Electronic (SECURE) S. 3548, Coronavirus Aid, Relief, and Economic Security act, payroll tax provisions S. 3571, the Financial Protections and Assistance for America's Consumers, States, Businesses, and Vulnerable Populations Act S. 3620, A Bill to establish a Housing Assistance Fund at the Department of Treasury S. 3676, Access to Credit for Small Businesses Impacted by the COVID-19 Crisis Act of 2020 S. 4049, National Defense Authorization Act for Fiscal Year 2021 Sec. 2821 of S. 1790, the National Defense Authorization Act of FY 2020

Credit union products and services; Community Reinvestment Act, pay day and courtesy pay lending; data and payment security issues; Bank Secrecy Act; Federal Credit Union Act and Charter; Community Development Financial Institutions;Home Mortgage Disclosure Act; Low-Income Designation for credit unions; Property Assessed Clean Energy (PACE) financing. H.R. 1595 Cannabis Banking Safe Harbor; Consumer Financial Protection Bureau (CFPB) and related issues; Credit Union lending during Government Closure. H.R. 1661. H.R. 5981, credit union board modernization; S.3389 Expanding Access to Lending Options Act. H.R. 748 CARES Act (CV3).Debt collection practices; H.R. 6789 - credit union business lending safe harbor and expansion of central liqudity facility. Troubled Debt Restructuing; CECL and FASB related issues.

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

Government targets: Consumer Financial Protection Bureau (CFPB), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Justice, Dept of (DOJ), Natl Credit Union Administration (NCUA), SENATE, Treasury, Dept of

Data security for financial institutions; no specific legislation. H.R. 1661/S. 3389, relating to federal credit union loan maturity limits; all provisions.

Client expense: Not reported · Firm income: $10,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to credit union operations Issues related to credit union field of membership Issues related to credit union service organization Issues related to vacancies on the National Credit Union Administration (NCUA) Board Issues related to NCUA's low income designation regulations Issues related to NCUA examination procedures Issues related to NCUA's regulation regarding its regulatory emergency liquidity Issues related to NCUA's rulemaking process Issues related to NCUA's Advanced Notice of Proposed Rulemaking on Alternative Capital Issues related to NCUA's regulatory review process Issues related to Federal Credit Union Bylaws Issues related to credit union loan maturity restrictions Issues related to credit union investment authority Issues related to Regulation of Federal Credit Union By-laws Issues related to credit unions' incidental powers Issues related to credit unions ability to offer prepaid cards Issues related to credit union service to marijuana businesses Issues related to material loss reports of the NCUA Office of Inspector General Issues related to the regulation of corporate credit unions Issues related to the use of Eminent Domain to Seize Performing Mortgage Loans Issues related to fixed assets Issues related to credit union conversions Issues related to credit union call report modernization Issues related to NCUA's Corporate Credit Union Stabilization Plan Issues related to NCUA's budget and the overhead transfer rate Issues related to Credit Union Service Organizations (CUSO) Issues related to the authority of the CFPB to exempt credit unions from its rulemaking Issues related to the CFPB rule to remittances and international wire transfers Issues related to CFPB's Leadership Structure and Installing a Board rather than a Director Issues related to codifying the CFPB's Credit Union Advisory Council Issues related to requiring SBREFA Panels for CFPB Rulemakings Issues related to overdraft protection and check ordering practices Issues related to mortgage servicing Issues related to mortgage loan originator compensation and qualifications Issues related to the CFPB's rule regarding qualified mortgage / ability to repay Issues related to the CFPB's regulation on Home Mortgage Disclosure Act (Regulation C) Issues related to the CFPB's regulation on Truth-In-Lending Act / Real Estate Settlement Procedures Act Integrated Disclosures Issues related to the payday, vehicle title, and similar lending Issues related to short term lending products and advance deposit products Issues related to the CFPB's consumer complaint database Issues related to the Department of Justice's investigation entitled, "Operation Choke Point" Issues related to the Department of Defenese Poposal regarding Credit Extending to Service Members under MLA Issues related to indirect auto lending Issues related to credit union service to unbanked and underbanked consumers Issues related to the Financial Accounting Standards Board (FASB) Issues related to data and cyber security Issues related to mobile banking and mobile payments Issues related to identity theft and fraud reduction Issues related to secure payments Issues related to merchant data breaches Issues related to the payments system Issues related to Federal Reserve Regulation D Issues related to the Fed's implementation of same-day ACH Issues related to the Bank Secrecy Act and Currency Transaction Reporting Requirements Issues related to the oversight of the Federal Housing Administration Issues related to the USDA Rural Development Loan Program Issues related to the Federal Home Loan Bank System Issues related to Fannie Mae Capital Issues related to membership eligibility in the Federal Home Loan Bank System Issues related to financial literacy Issues related to Housing Finance Reform Issues related to student lending Issues related to the Economic Growth and Regulatory Paperwork Reduction Act process Issues related to retirement security Issues related to flood insurance Issues related to consumer's access to records Issues related to economic growth Issues related to Interchange Fees Issues related to the Equal Credit Opportunity Act Issues related to the Fair Housing act Issues related to the merger of credit unions Issues related to the Real Estate Settlement Procedures Act Issues related to Community Reinvestment Act Issues related to Regulation Z Issues related to Military Lending Act Issues related to Financial Technology Issues related to Small Business Lending Data Collection requirements Issues related to Involuntary liquidation of Federal Credit Unions and Claims procedures Issues related to Web-Based Quantitative Testing of Point of Sale / ATM Overdraft Disclosure Forms Issues related to residential appraisals Issues related to FHA appraisal certification Issues related to FHA and USDA Loan Modifications Issues related to payments innovation Issues related to Faster Payments Issues related to the Fair Credit Reporting Act Issues related to cooperative funding sources in federal appropriations legislation Issues related to debt collection requirements Issues related to capital reform for credit unions Issues related to procurement reform for private voluntary organizations Issues related to Federal Credit Union Charter Modernization Issues related to diversity and inclusion in Financial Services Issues related to Section 124 of the Federal Credit Union Act Issues related to NCUA's Fidelity Bonds Proposed Rule Issues related to the Consumer Financial Protection Bureau's No-Acton Letters and the BCFP Product Sandbox Issues related to the Consumer Financial Protection Bureau's proposal to extend the Payday Rule's compliance daedline Issues related to enterprise validation and approval of credit score models Issues related to the availability of Funds and Collection of Checks (Regulation CC) Issues related to arbitration clauses Issues related to SBA 79(a) loan program Issues related to financial institutions operating on military installations Issues related to postal banking Issues related to robocalls and the Stopping Bad Robocalls Act Issues related to financial technology (FINTECH) Issues related to the Consumer Financial Protection Bureau Payday Rule Issues related to appraisals Issues related to student lending Issues related to robocalls and the draft Declaratory Ruling (the ruling) and Third Further Notice of Proposed Rulemaking (FNPRM) CG Docket No 17-59, WC Docket No. 17-97 Issues related to FY 2020 Foreign Assistance Budget and Policy Priorities Issues related to payday and small dollar lending Issues related to leases of non-excess property on military bases Issues related to Opportunity Zones Issues related to minority homeownership Issues related to permit Federal Credit Unions to establish their own fiscal year Issues related to striking a requirement that Federal credit unions file certain information regarding loan officers Issues related to enhance flexibility of Federal Credit Unions to schedule board meetings Issues related to remove certain outdated responsibilities of Federal credit union board of directors Issues related to permit Federal credit unions to expel disruptive members for just cause without a vote Issues related to permit balloting for conversions from state to federal charter and from federal to state charter to be conducted electronically Issues related to the draft bill improving Laundering Laws and Increasing Comprehensive Information Issues related to tracking of Criminal Activity in Shell Holding (ILLICIT CASH Act) Issues related to PACE loans Issues related to Consumer Financial Protection Bureau's HMDA reporting thresholds Issues on NCUA Executive compensation rules Issues related to business access to financial services Issues related to Strengthening Cybersecurity for the Financial Sector Act of 2019 Issues related to minority depository institutions Issues related to the Federal Reserve's Faster Payments Proposal Issues related to AI and cloud computing Issues related to the Consumer Online Privacy Rights Act Issues related to Credit Union Board Meeting Frequency Issues related to COVID-19 crisis response legislation Issues related to the regulation of overtime Issues related to the Paycheck Protection Program Issues related to Taxi Medallion loans Issues related to essential services designation for financial services during COVID-19 Issues related to QRM Risk Retention review Issues related to NCUA's proposed rule on Combination transactions Issues related to the Freezing Assets of Suspected Terrorist and Enemy Recruits Act of 2020 H.R. 388, the Financial Reporting Threshold Modernization Act H.R. 442, to amend the Consumer Financial Protection Act of 2010 to extend the supervisory authority of the Bureau of Consumer Financial Protection to include assessing compliance with the Military Lending Act H.R. 748, the Coronavirus Aid, Relief, and Economic Security Act, Title I and Secs. 4008, 4012, 4014 of Title IV H.R.1039, to streamline requirements for currency transaction reports and suspicious activity reports and for other purposes H.R. 1158, the FY2020 Consolidated Appropriations Act (funding for the CDFI Fund as well as the Community Development Revolving Loan Fund) H.R. 1500, the Consumers First Act H.R. 1595, the Secure and Fair Enforcement (SAFE) Banking act of 2019 H.R. 1661, to provide the National Credit Union Administration Board flexibility to increase Federal credit Union loan maturities, and for other purposes H.R. 1737, the American Housing and Economic Mobility Act of 2019 H.R. 1865, FY2020 Further Consolidated Appropriations Act (funding for the Cooperative Development Program, tax extenders, repeal of "parking tax") H.R. 1957, the Taxpayers First Act of 2019 H.R. 2093, to amend the Controlled Substances Act to provide for a new rule regarding the application of the Act of marijuana, and for other purposes H.R. 2157, Supplemental Appropriations Act of 2019 H.R. 2162, Housing Financial Literacy Act of 2019 H.R. 2290, Shutdown Guidance for Financial Institutions Act H.R. 2305, Veterans Members Business Loan Act H.R. 2445, Self-Employed Mortgage Access Act H.R. 2500, National Defense Authorization Act for Fiscal Year 2020 H.R. 2513, Corporate Transparency Act of 2019 H.R. 2514, Coordinating Oversight, Upgrading and Innovating Technology, and Examiner Reform Act of 2019 H.R. 2740, the State and Foreign Operations and Related Programs Appropriations Act H.R. 2852, Homebuyer Assistance Act of 2019 H.R. 3111, National Flood Insurance Program Administration Reform Act of 2019 H.R. 3167, National Flood Insurance Program Re-authorization Act of 2019 H.R. 3182, Current Expected Credit Loss Consumer Impact and Study Bill of 2019 H.R. 3198, the Comprehensive Regulatory Review Act H.R. 3300, the Economic Mobility Act of 2019 H.R. 3301, the Taxpayer Certainty and Disaster Tax Relief Act of 2019 H.R. 3351, Financial Services and General Government Appropriations Act of 2020 H.R. 3375, the Stopping Bad Robocalls Act H.R. 4458, Cybersecurity and Financial System Resilience Act H.R. 4464, Monitoring and Curbing Abusive Debt Collection Clarification Act H.R. 4565, the Responsible Accounting Standards Act of 2019 H.R. 5001, Non-Judicial Foreclosure Debt Collection Clarification Act H.R. 5013, Small Business Fair Debt Collection Protection Act H.R. 5050, Veterans and Consumers Fair Credit Act H.R. 5132, Gun Violence Prevention through Financial Intelligence Act H.R. 5315, Expanding Opportunities for Minority Depository Institutions Act H.R. 5322, Ensuring Diversity in Community Banking Act of 2019 H.R. 5332, Protecting your Credit Score Act of 2019 H.R. 5513, the Expanding Opportunities for Minority Depository Institutions Act H.R. 5981, Credit Union Board Modernization Act H.R. 6201, the Families First Coronavirus Response Act, paid and sick leave provisions H.R. 6116, the Consumer Financial Protection Commission Act of 2020 H.Res 275, Supporting the goals and ideals of "Financial Literacy Month" H.Res 327, Encouraging greater public-private sector collaboration to promote financial literacy for students and young adults H.Res 328, Supporting the protection of elders through financial literacy H. Res 602, Support of resolution in support of cooperatives S. 151, Telephone Robocall Abuse Criminal Enforcement and Deterrence Act S. 787, the American Housing and Economic Mobility Act of 2019 S. 1028, Strengthening the Tenth Amendment through Entrusting States (STATES Act) S. 1200, Secure and Fair Enforcement Banking Act of 2019 (SAFE Act) S. 1564, Continued Encouragement for Consumer Lending Act S. 2524, the Financial Services and General Government Appropriations Act of Fiscal Year 2020 S. 2563, The Improving Laundering Laws and Increasing Comprehensive Information S. 2583, the State-Foreign Operations and Related Programs Appropriations Act for FY2020 S. 2833, Veterans and Consumers Fair Credit Act of 2019 S. 2834, Veterans member Business Loan Act S. 3003, the Financial Institution Customer Protection Act S. 3032, Strengthening the Tenth Amendment Through Entrusting States S. 3323, Credit Union Governance Modernization Act of 2020 S. 3326, Credit Union Modernization Act of 2019 S. 3389, Expanding Access to Lending Options Act S. 3548, Coronavirus Aid, Relief, and Economic Security act, payroll tax provisions Sec. 2821 of S. 1790, the National Defense Authorization Act of FY 2020

Credit union products and services; Community Reinvestment Act, pay day and courtesy pay lending; data and payment security issues; Bank Secrecy Act; Federal Credit Union Act and Charter; Community Development Financial Institutions;Home Mortgage Disclosure Act; Low-Income Designation for credit unions; Property Assessed Clean Energy (PACE) financing. H.R. 1595 Cannabis Banking Safe Harbor; Consumer Financial Protection Bureau (CFPB) and related issues; Credit Union lending during Government Closure. H.R. 1661. H.R. 5981, credit union board modernization; S.3389 Expanding Access to Lending Options Act. H.R. 748 CURES Act (CV3).

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

Government targets: Consumer Financial Protection Bureau (CFPB), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Justice, Dept of (DOJ), Natl Credit Union Administration (NCUA), SENATE, Treasury, Dept of