Small Business and Consumer Emergency Credit Act

H.R. 3948 Debt Collection Practices Harmonization Act H.R. 4403 Stop Debt Collection Abuse Act H.R. 5021 Ending Debt Collection Harassment Act of 2019 Authority of CFPB Financial Technology ("Fintech") Funding of CFPB HR 1500 -- Consumers First Act Reg BI SEC fiduciary rule Small Business Lending Discrimination Protecting Innocent Consumers Affected by Shutdown Act HR 3618 Free Credit Scores for Consumers Act HR 3621 Student Borrower Credit Improvement Act HR 3622 Restoring Unfairly Impaired Credit and Protecting Consumers Act HR 3642 Improving Credit Reporting for All Consumers Act HR 3629 Clarity in Credit Score Formation Act HR 1423 Forced Arbitration Injustice Repeal (FAIR) Act HR 4254 Overdraft Protection Act of 2019 HR 758 - the Coronavirus Aid, Relief, and Economic Security (CARES) Act S3565 - Small Business and Consumer Debt Collection Emergency Relief Act of 2020 S3560 - Small Business and Consumer Emergency Credit Act S.3509 - A bill to provide borrowers the right to request forbearance on mortgage loan payments... HR 3621, the Comprehensive Credit Reporting Enhancement, Disclosure, Innovation, and Transparency Act of 2020 HR 6470 bil on medical debt relief (K.Porter) HR 5934 SCAM Debt Act Heroes Act (COVID PACKAGE) HJ Res 90 - CRA of Congressional Review Act HR 5332 Protecting your Credit Score Act Senior Investor Pandemic and Fraud Protection Act HR 8252 adding veterans preference question to URLA HR6735 establishing consumer and investor fraud working group

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

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Office of Management & Budget (OMB), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

Authority of CFPB Financial Technology ("Fintech") Funding of CFPB HR 1500 -- Consumers First Act Reg BI SEC fiduciary rule Small Business Lending Discrimination Protecting Innocent Consumers Affected by Shutdown Act HR 3618 Free Credit Scores for Consumers Act HR 3621 Student Borrower Credit Improvement Act HR 1423 Forced Arbitration Injustice Repeal (FAIR) Act HR 4254 Overdraft Protection Act of 2019 Facebook' Libra cryptocurrency HR 758 - the Coronavirus Aid, Relief, and Economic Security (CARES) Act S3565 - Small Business and Consumer Debt Collection Emergency Relief Act of 2020 S3560 - Small Business and Consumer Emergency Credit Act S.3509 - A bill to provide borrowers the right to request forbearance on mortgage loan payments. Heroes Act (COVID PACKAGE) HJ Res 90 - CRA of Congressional Review Act HR 5332 Protecting your Credit Score Act Senior Investor Pandemic and Fraud Protection Act S1581/HR 6470 the Medical Debt Relief Act

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

Government targets: Commodity Futures Trading Commission (CFTC), Consumer Financial Protection Bureau (CFPB), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC)

HR 149, The Housing Fairness Act of 2019, To authorize funds to prevent housing discrimination through the use of nationwide testing, to increase funds for the Fair Housing Initiatives Program, and for other purposes H. R. 5934 - To amend the Fair Debt Collection Practices Act to safeguard access to information for consumers and to stop abusive debt litigation, and for other purposes. HR 5931 - Improving FHA Support for Small Dollar Mortgages Act of 2020 - This bill directs the Department of Housing and Urban Development (HUD) to report on barriers to making Federal Housing Administration (FHA) single-family mortgage insurance available for mortgages under $70,000. Specifically, HUD must report H.R.6379 - Take Responsibility for Workers and Families Act S.3566 - Stop 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.3565 - Small Business and Consumer Debt Collection Emergency Relief Act of 2020 - To amend the Fair Debt Collection Practices Act to provide additional protections for consumers and small business owners from debt collection during a major disaster or emergency. S.3560 - Small 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 3548 - To provide emergency assistance and health care response for individuals, families, and businesses affected by the 2020 coronavirus pandemic. S.3509 - A 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.6363 - Student Debt Emergency Relief Act HR 3182 - To require the Securities and Exchange Commission and certain Federal agencies to carry out a study relating to accounting standards, and for other purposes. HR 748/Public Law No: 116-136 (03/27/2020) Coronavirus 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 Transportation, Housing and Urban Development, and Related Agencies Appropriations Act for FY2021 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. XXX, amends the Fair Credit Reporting Act to delay the inclusion in consumer credit reports and to establish requirements for debt collectors with respect to medical debt information of veterans due to inappropriate or delayed billing payments or reimbursements from the Department of Veterans Affairs, and for other purposes. H.R. 2750, Justice for Servicemembers Act, To amend title 9 of the United States Code to prohibit predispute arbitration agreements that force arbitration of certain disputes arising from claims of service members and veterans. H.R. XXXX, Protecting Consumers Access to Credit Act (This bill amends the Revised Statutes, the Home Owners' Loan Act, the Federal Credit Union Act, and the Federal Deposit Insurance Act to state that bank loans that are valid when made as to their maximum rate of interest in accordance with federal law shall remain valid with respect to that rate regardless of whether a bank has subsequently sold or assigned the loan to a third party.) H.R. XXXX, the Protecting Consumers from Unreasonable Credit Rates Act (This bill amends the Truth in Lending Act to prohibit a creditor from extending credit to a consumer under an open end consumer credit plan (credit card) for which the fee and interest rate exceeds 36%.) 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. 166, To establish an Office of Fair Lending Testing to test for compliance with the Equal Credit Opportunity Act, to strengthen the Equal Credit Opportunity Act and to provide for criminal penalties for violating such Act, and for other purposes H.R. 5330, Consumer Protections for Medical Debt Collections Act, a bill which would provide relief to those struggling with health problems and medical debt by preventing collection of medical debt for two years from the date of the medical billing. H.R. 5021, The Ending Debt Collection Harassment Act of 2019, a bill to amend the Fair Debt Collection Practices Act (FDCPA) to prohibit a debt collector from contacting a consumer by email or text message without a consumers consent to be contacted electronically, and prohibits the Consumer Financial Protection Bureau (CFPB) from issuing any rules implementing the FDCPA that allow a debt collector to send unlimited email and text messages to a consumer. H.R. 5013, The Small Business Fair Debt Collection Protection Act, a bill that expands the FDCPAs protections to cover small business loans H.R. 5003, The Fair Debt Collection Practices for Servicemembers Act, a bill by that amends the FDCPA to prohibit debt collectors from threatening servicemembers or their families to have a servicemembers rank reduced, have their security clearance revoked, have them prosecuted under the Uniform Code of Military Justice, or communicating with a servicemembers chain of command to locate a servicemember. H.R. 5001, The Non-Judicial Foreclosure Debt Collection Clarification Act, a bill that reverses the recent Supreme Court decision in Obduskey versus McCarthy and Holthus LLP by amending the FDCPA to clarify that entities in non-judicial foreclosure proceedings are covered by the law H.R. 4403, The Stop Debt Collection Abuse Act, a bill that extends the FDCPAs protections as it relates to debt owed to a federal agency, limits the fees debt collectors can charge, and clarifies that debt buyers are subject to FDCPA H.R. 3948, The Debt Collection Practices Harmonization Act, a bill that clarifies that private debt collectors who pursue debts such as municipal utility bills, tolls, traffic tickets, and court debts are subject to the FDCPA H.R. 3490,The Small Business Lending Fairness Act, a bill that would amend the Truth in Lending Act (TILA) to restrict the use of predatory small business loan contract clauses called confessions of judgment.

Authority of CFPB Financial Technology ("Fintech") Funding of CFPB HR 1500 -- Consumers First Act Reg BI SEC fiduciary rule Small Business Lending Discrimination Protecting Innocent Consumers Affected by Shutdown Act HR 3614 Restricting Use of Credit Checks for Employment Decisions Act HR 3618 Free Credit Scores for Consumers Act HR 3621 Student Borrower Credit Improvement Act HR 1423 Forced Arbitration Injustice Repeal (FAIR) Act HR 4254 Overdraft Protection Act of 2019 Facebook' Libra cryptocurrency S3565 - Small Business and Consumer Debt Collection Emergency Relief Act of 2020 S3560 - Small Business and Consumer Emergency Credit Act S.3509 - A bill to provide borrowers the right to request forbearance on mortgage loan payments HR 3621, the Comprehensive Credit Reporting Enhancement, Disclosure, Innovation, and Transparency Act of 2020 HR 6470 bil on medical debt relief (Porter) HR 5934 SCAM Debt Act HR 758 - the Coronavirus Aid, Relief, and Economic Security (CARES) Act

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