Paycheck Protection Small Business Forgiveness Act

H.R. 748/S.3548, Coronavirus Aid, Relief, and Economic Security (CARES) Act H.R. 6886, Paycheck Protection Program Flexibility Act of 2020 H.R. 7777/S. 4117, Paycheck Protection Small Business Forgiveness Act H.R. 7894, Paycheck Protection Program Small Business Enhancement Act S. 3612, Small Business Expense Protection Act of 2020 Potential legislation providing targeted and temporary relief for small businesses in need of federal assistance to survive the COVID-19 pandemic

Client expense: $680,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE, White House Office

H.R. 748/S.3548, Coronavirus Aid, Relief, and Economic Security (CARES) Act H.R. 6886, Paycheck Protection Program Flexibility Act of 2020 H.R. 7777/S. 4117, Paycheck Protection Small Business Forgiveness Act H.R. 7894, Paycheck Protection Program Small Business Enhancement Act S. 3612, Small Business Expense Protection Act of 2020 Potential legislation providing targeted and temporary relief for small businesses in need of federal assistance to survive the COVID-19 pandemic

Client expense: $680,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE, White House Office

H.R. 748/S.3548, Coronavirus Aid, Relief, and Economic Security (CARES) Act H.R. 6886, Paycheck Protection Program Flexibility Act of 2020 H.R. 7777/S. 4117, Paycheck Protection Small Business Forgiveness Act H.R. 7894, Paycheck Protection Program Small Business Enhancement Act S. 3612, Small Business Expense Protection Act of 2020 Potential legislation providing targeted and temporary relief for small businesses in need of federal assistance to survive the COVID-19 pandemic

Client expense: Not reported · Firm income: $683,325

Government targets: HOUSE OF REPRESENTATIVES, SENATE, White House Office

H.R. 748/S.3548, Coronavirus Aid, Relief, and Economic Security (CARES) Act H.R. 6886, Paycheck Protection Program Flexibility Act of 2020 H.R. 7777/S. 4117, Paycheck Protection Small Business Forgiveness Act H.R. 7894, Paycheck Protection Program Small Business Enhancement Act S. 3612, Small Business Expense Protection Act of 2020 Potential legislation providing targeted and temporary relief for small businesses in need of federal assistance to survive the COVID-19 pandemic

Client expense: Not reported · Firm income: $683,325

Government targets: HOUSE OF REPRESENTATIVES, SENATE, White House Office

H.R. 748/S.3548, Coronavirus Aid, Relief, and Economic Security (CARES) Act H.R. 6886, Paycheck Protection Program Flexibility Act of 2020 H.R. 7777/S. 4117, Paycheck Protection Small Business Forgiveness Act H.R. 7894, Paycheck Protection Program Small Business Enhancement Act S. 3612, Small Business Expense Protection Act of 2020 Potential legislation providing targeted and temporary relief for small businesses in need of federal assistance to survive the COVID-19 pandemic

Client expense: $683,325 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE, White House Office

H.R. 748/S.3548, Coronavirus Aid, Relief, and Economic Security (CARES) Act H.R. 6886, Paycheck Protection Program Flexibility Act of 2020 H.R. 7777/S. 4117, Paycheck Protection Small Business Forgiveness Act H.R. 7894, Paycheck Protection Program Small Business Enhancement Act S. 3612, Small Business Expense Protection Act of 2020 Potential legislation providing targeted and temporary relief for small businesses in need of federal assistance to survive the COVID-19 pandemic

Client expense: Not reported · Firm income: $683,325

Government targets: HOUSE OF REPRESENTATIVES, SENATE, White House Office

H.R. 748/S.3548, Coronavirus Aid, Relief, and Economic Security (CARES) Act H.R. 6886, Paycheck Protection Program Flexibility Act of 2020 H.R. 7777/S. 4117, Paycheck Protection Small Business Forgiveness Act H.R. 7894, Paycheck Protection Program Small Business Enhancement Act S. 3612, Small Business Expense Protection Act of 2020 Potential legislation providing targeted and temporary relief for small businesses in need of federal assistance to survive the COVID-19 pandemic

Client expense: Not reported · Firm income: $683,325

Government targets: Agriculture, Dept of (USDA), Commerce, Dept of (DOC), Environmental Protection Agency (EPA), Federal Communications Commission (FCC), HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), Mine Safety & Health Administration (MSHA), SENATE, Small Business Administration (SBA), Transportation, Dept of (DOT), U.S. Trade Representative (USTR), White House Office

Paycheck Protection Program Small Business Forgiveness Act; H.R. 7777 and S. 4117 Take action for PPP loan forgiveness today by letting your representatives in Congress know that you support H.R. 7777 and S. 4117, the Paycheck Protection Program Small Business Forgiveness Act. If enacted, this bipartisan legislation would forgive all PPP loans of less than $150,000 upon the borrowers completion of a simple, one-page forgiveness document. Protecting the Right to Organize (PRO) Act; H.R. 842 Last month the Protecting the Right to Organize (PRO) Act, HR 842 was introduced in the House of Representatives. This bill seeks to radically rewrite our nations labor laws in favor of unions and at the expense of workers and employers. There are several troubling provisions in the law, but some of the most concerning include the following: Gives unions the power to demand employers not do business with other non-union companies Gives unions the sole determination over the manner elections are conducted-effectively eliminating secret balloting Eliminates workers rights to remove unions that have failed to adequately represent their interests Limits the ability of businesses and individuals to utilize independent contractors Bans all state right-to-work laws Eliminates the right of employers to withdraw recognition from a union, even upon evidence that all employees want the union out Mandates civil fines up to $50,000 for any unfair labor practice (double for repeat offenders), and $10,000 daily fines for non-compliance with any National Labor Relations Board order This legislation will kill jobs, strain supply chains, and significantly reduce opportunities for entrepreneurs and small businesses, and harm contractors across the country. Congress is currently considering increasing in taxes in a number of ways for small and independently owned businesses. Some of the proposed policies include the following: raising the tax rate on pass-through corporations, capping the Section 199A deduction, increasing the capital gains tax, and imposing a double tax on estate transfers after death. Obviously, these policies would increase operating expenses as contractors are already contending with issues like inflation as well as supply and labor shortages. Congress is also considering a bank account reporting requirement that would require financial institutions to send information to the IRS on accounts with over $10,000 in gross inflows/outflows. This policy would affect the majority of taxpayers and would also carry massive privacy and security implications. It would also increase tax preparation costs and create operational challenges for financial institutions

Client expense: Not reported · Firm income: Not reported

Government targets: Council on Environmental Quality (CEQ), Energy, Dept of, Environmental Protection Agency (EPA), HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), Natl Labor Relations Board (NLRB), SENATE, Small Business Administration (SBA)

Paycheck Protection Program Small Business Forgiveness Act; H.R. 7777 and S. 4117 Take action for PPP loan forgiveness today by letting your representatives in Congress know that you support H.R. 7777 and S. 4117, the Paycheck Protection Program Small Business Forgiveness Act. If enacted, this bipartisan legislation would forgive all PPP loans of less than $150,000 upon the borrowers completion of a simple, one-page forgiveness document. Protecting the Right to Organize (PRO) Act; H.R. 842 Last month the Protecting the Right to Organize (PRO) Act, HR 842 was introduced in the House of Representatives. This bill seeks to radically rewrite our nations labor laws in favor of unions and at the expense of workers and employers. There are several troubling provisions in the law, but some of the most concerning include the following: Gives unions the power to demand employers not do business with other non-union companies Gives unions the sole determination over the manner elections are conducted-effectively eliminating secret balloting Eliminates workers rights to remove unions that have failed to adequately represent their interests Limits the ability of businesses and individuals to utilize independent contractors Bans all state right-to-work laws Eliminates the right of employers to withdraw recognition from a union, even upon evidence that all employees want the union out Mandates civil fines up to $50,000 for any unfair labor practice (double for repeat offenders), and $10,000 daily fines for non-compliance with any National Labor Relations Board order This legislation will kill jobs, strain supply chains, and significantly reduce opportunities for entrepreneurs and small businesses, and harm contractors across the country.

Client expense: Not reported · Firm income: Not reported

Government targets: Council on Environmental Quality (CEQ), Energy, Dept of, Environmental Protection Agency (EPA), HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), Natl Labor Relations Board (NLRB), SENATE, Small Business Administration (SBA)

H.R. 748/S.3548, Coronavirus Aid, Relief, and Economic Security (CARES) Act H.R. 6886, Paycheck Protection Program Flexibility Act of 2020 H.R. 7777/S. 4117, Paycheck Protection Small Business Forgiveness Act H.R. 7894, Paycheck Protection Program Small Business Enhancement Act S. 3612, Small Business Expense Protection Act of 2020 Potential legislation providing targeted and temporary relief for small businesses in need of federal assistance to survive the COVID-19 pandemic

Client expense: Not reported · Firm income: $683,325

Government targets: Agriculture, Dept of (USDA), Commerce, Dept of (DOC), Environmental Protection Agency (EPA), HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), Mine Safety & Health Administration (MSHA), SENATE, Small Business Administration (SBA), Transportation, Dept of (DOT), U.S. Trade Representative (USTR), White House Office

H.R. 748/S.3548, Coronavirus Aid, Relief, and Economic Security (CARES) Act H.R. 6886, Paycheck Protection Program Flexibility Act of 2020 H.R. 7777/S. 4117, Paycheck Protection Small Business Forgiveness Act H.R. 7894, Paycheck Protection Program Small Business Enhancement Act S. 3612, Small Business Expense Protection Act of 2020 Potential legislation providing targeted and temporary relief for small businesses in need of federal assistance to survive the COVID-19 pandemic

Client expense: Not reported · Firm income: $683,325

Government targets: Agriculture, Dept of (USDA), Commerce, Dept of (DOC), Environmental Protection Agency (EPA), HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), Mine Safety & Health Administration (MSHA), SENATE, Small Business Administration (SBA), Transportation, Dept of (DOT), U.S. Trade Representative (USTR), White House Office

H.R. 748/S.3548, Coronavirus Aid, Relief, and Economic Security (CARES) Act H.R. 6886, Paycheck Protection Program Flexibility Act of 2020 H.R. 7777/S. 4117, Paycheck Protection Small Business Forgiveness Act H.R. 7894, Paycheck Protection Program Small Business Enhancement Act S. 3612, Small Business Expense Protection Act of 2020 Potential legislation providing targeted and temporary relief for small businesses in need of federal assistance to survive the COVID-19 pandemic

Client expense: Not reported · Firm income: $683,325

Government targets: Agriculture, Dept of (USDA), Commerce, Dept of (DOC), Environmental Protection Agency (EPA), HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), Mine Safety & Health Administration (MSHA), SENATE, Small Business Administration (SBA), Transportation, Dept of (DOT), U.S. Trade Representative (USTR), White House Office

Bill numberDescription of bill (briefly describe only the part were working on) 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. 782Homeownership 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. H.R. __Making appropriations for the Departments of Transportation, and Housing and Urban Development, and related agencies for the fiscal year ending September 30, 2022, and for other purposes. HR 2547 Comprehensive Debt Collection Improvement Act. The Act is comprised of eight bills that would collectively enact critical debt collection reforms aimed at protecting vulnerable consumers It has passed the House, but hasn't been taken up in the Senate yet. We worked to craft the language of the omnibus bill alongside national partners S.J.Res 15 / H.J.Res 35A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Office of the Comptroller of Currency relating to "National Banks and Federal Savings Associations as Lenders". H.R. __Housing is Infrastructure Act, authorizes additional funding for various housing assistance programs. H.R. 816Restoring Communities Left Behind, makes $5 billion available to local communities through a grant program administered by the Department of Housing and Urban Development in order to fund neighborhood revitalization activities including homeowner rehabilitation assistance, weatherization, improved housing accessibility for seniors and people with disabilities, housing counseling, refinancing, property tax relief, and more H.R. ___Close the Industrial Loan Company Loophole Act H.R. 4277Overdraft Protection Act of 2021 H.R. ___ & S. _____Veterans and Consumer Fair Credit Act [likely to be reintroduced?] HR 2689/S 1255 - Minority Business Resiliency Act HR 2540/S. 1119 - Small Business Lending Fairness Act H.R.3968 -Municipal IDs Acceptance Act H.R. 1502 - The Microloan Improvement Act of 2021 H.R. 1487 - Microloan Transparency and Accountability Ac

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

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

H.R. 748/S.3548, Coronavirus Aid, Relief, and Economic Security (CARES) Act H.R. 6886, Paycheck Protection Program Flexibility Act of 2020 H.R. 7777/S. 4117, Paycheck Protection Small Business Forgiveness Act H.R. 7894, Paycheck Protection Program Small Business Enhancement Act S. 3612, Small Business Expense Protection Act of 2020 Potential legislation providing targeted and temporary relief for small businesses in need of federal assistance to survive the COVID-19 pandemic

Client expense: Not reported · Firm income: $683,325

Government targets: Agriculture, Dept of (USDA), Commerce, Dept of (DOC), Environmental Protection Agency (EPA), HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), Mine Safety & Health Administration (MSHA), SENATE, Small Business Administration (SBA), Transportation, Dept of (DOT), U.S. Trade Representative (USTR), White House Office

Paycheck Protection Program Small Business Forgiveness Act; H.R. 7777 and S. 4117 Take action for PPP loan forgiveness today by letting your representatives in Congress know that you support H.R. 7777 and S. 4117, the Paycheck Protection Program Small Business Forgiveness Act. If enacted, this bipartisan legislation would forgive all PPP loans of less than $150,000 upon the borrowers completion of a simple, one-page forgiveness document. Protecting the Right to Organize (PRO) Act; H.R. 842 Last month the Protecting the Right to Organize (PRO) Act, HR 842 was introduced in the House of Representatives. This bill seeks to radically rewrite our nations labor laws in favor of unions and at the expense of workers and employers. There are several troubling provisions in the law, but some of the most concerning include the following: Gives unions the power to demand employers not do business with other non-union companies Gives unions the sole determination over the manner elections are conducted-effectively eliminating secret balloting Eliminates workers rights to remove unions that have failed to adequately represent their interests Limits the ability of businesses and individuals to utilize independent contractors Bans all state right-to-work laws Eliminates the right of employers to withdraw recognition from a union, even upon evidence that all employees want the union out Mandates civil fines up to $50,000 for any unfair labor practice (double for repeat offenders), and $10,000 daily fines for non-compliance with any National Labor Relations Board order This legislation will kill jobs, strain supply chains, and significantly reduce opportunities for entrepreneurs and small businesses, and harm contractors across the country.

Client expense: Not reported · Firm income: Not reported

Government targets: Council on Environmental Quality (CEQ), Energy, Dept of, Environmental Protection Agency (EPA), HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), Natl Labor Relations Board (NLRB), SENATE, Small Business Administration (SBA)

Paycheck Protection Program Small Business Forgiveness Act; H.R. 7777 and S. 4117 Take action for PPP loan forgiveness today by letting your representatives in Congress know that you support H.R. 7777 and S. 4117, the Paycheck Protection Program Small Business Forgiveness Act. If enacted, this bipartisan legislation would forgive all PPP loans of less than $150,000 upon the borrowers completion of a simple, one-page forgiveness document. Protecting the Right to Organize (PRO) Act; H.R. 842 Last month the Protecting the Right to Organize (PRO) Act, HR 842 was introduced in the House of Representatives. This bill seeks to radically rewrite our nations labor laws in favor of unions and at the expense of workers and employers. There are several troubling provisions in the law, but some of the most concerning include the following: Gives unions the power to demand employers not do business with other non-union companies Gives unions the sole determination over the manner elections are conducted-effectively eliminating secret balloting Eliminates workers rights to remove unions that have failed to adequately represent their interests Limits the ability of businesses and individuals to utilize independent contractors Bans all state right-to-work laws Eliminates the right of employers to withdraw recognition from a union, even upon evidence that all employees want the union out Mandates civil fines up to $50,000 for any unfair labor practice (double for repeat offenders), and $10,000 daily fines for non-compliance with any National Labor Relations Board order This legislation will kill jobs, strain supply chains, and significantly reduce opportunities for entrepreneurs and small businesses, and harm contractors across the country.

Client expense: Not reported · Firm income: Not reported

Government targets: Council on Environmental Quality (CEQ), Energy, Dept of, Environmental Protection Agency (EPA), HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), Natl Labor Relations Board (NLRB), SENATE, Small Business Administration (SBA)

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.

Client expense: $90,000 · Firm income: Not reported

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

Issues related to the implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 (Public Law 111-203), capital and liquidity standards; and Section 171 (Leverage and Risk-Based Capital Requirements) Issues related to the enhanced supplementary leverage ratio Issues related to the capital surcharge for global systemically important banks Issues related to the Stress Capital Buffer framework Prudential regulatory matters with the U.S. agencies and international standard-setting bodies, including Basel III capital and liquidity framework Issues related to the OCCs NPRM regarding fair access to financial services Public Law 117-6 - PPP Extension Act of 2021 S.__ - To provide that all persons shall be entitled to the full and equal enjoyment of the goods, services, facilities, privileges, and accommodations of financial institutions S. 2903 / H.R. 5194 - Climate Change Financial Risk Act of 2019 H.R. 4966 - Greater Supervision In Banking Act of 2019 or GSIB Act of 2019 H.R. __ - To deem certain references to the London Interbank Offered Rate (LIBOR) as referring to a replacement benchmark rate if LIBOR is no longer available, and for other purposes S. 4117 / H.R. 7777 - Paycheck Protection Small Business Forgiveness Act H.R. 5084 - Improving Corporate Governance through Diversity Act of 2019 S.4775 - Delivering Immediate Relief to Americas Families, Schools, and Small Business Act

Client expense: $560,000 · 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, Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of, White House Office

H.R. 748/S.3548, Coronavirus Aid, Relief, and Economic Security (CARES) Act H.R. 6886, Paycheck Protection Program Flexibility Act of 2020 H.R. 7777/S. 4117, Paycheck Protection Small Business Forgiveness Act H.R. 7894, Paycheck Protection Program Small Business Enhancement Act S. 3612, Small Business Expense Protection Act of 2020 Potential legislation providing targeted and temporary relief for small businesses in need of federal assistance to survive the COVID-19 pandemic

Client expense: Not reported · Firm income: $683,325

Government targets: Agriculture, Dept of (USDA), Commerce, Dept of (DOC), Environmental Protection Agency (EPA), HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), Mine Safety & Health Administration (MSHA), SENATE, Small Business Administration (SBA), Transportation, Dept of (DOT), U.S. Trade Representative (USTR), White House Office

H.R. 748/S.3548, Coronavirus Aid, Relief, and Economic Security (CARES) Act H.R. 6886, Paycheck Protection Program Flexibility Act of 2020 H.R. 7777/S. 4117, Paycheck Protection Small Business Forgiveness Act H.R. 7894, Paycheck Protection Program Small Business Enhancement Act S. 3612, Small Business Expense Protection Act of 2020 Potential legislation providing targeted and temporary relief for small businesses in need of federal assistance to survive the COVID-19 pandemic

Client expense: $680,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE, White House Office

Advocate for S. 4117 and H.R. 7777, the Paycheck Protection Program Small Business Forgiveness Act, which would forgive PPP loans of less than $150,000 upon the borrowers completion of a simple, one-page forgiveness document. Simplifying the loan forgiveness process would alleviate hours of paperwork for borrowers. A variation of this act has been included in the Senate and House proposed COVID bills.

Client expense: $15,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Environmental Protection Agency (EPA), Federal Motor Carrier Safety Administration, HOUSE OF REPRESENTATIVES, SENATE, Transportation, Dept of (DOT)

Paycheck Protection Program SBA 7(a) lending program S. 2383, Small Business Administration Franchise Loan Transparency Act of 2019 H.R.7066, Reopening America by Supporting Workers and Businesses Act of 2020 H.R. 6907 / S.3742, RELIEF for Main Street Act H.R. 7197 / S. 4012, RESTAURANTS Act S. 4117, Paycheck Protection Program Small Business Forgiveness Act S. 3814, Reviving the Economy Sustainably Towards a Recovery in Twenty-twenty (RESTART) Act Legislative Proposal for franchise investment

Client expense: $190,000 · Firm income: Not reported

Government targets: Federal Accounting Standards Advisory Board (FASAB), Federal Reserve System, HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), Natl Labor Relations Board (NLRB), Patent & Trademark Office (PTO), SENATE, Small Business Administration (SBA), Treasury, Dept of, Veterans Affairs, Dept of (VA), White House Office

Engaged with both legislative chambers and CMS in order to prevent CMS proposed steep cuts to Medicare in 2021 (projected 9% cut for physical therapy) by providing a one-time exemption from the currently mandated Medicare Physician Fee Schedule budget neutrality rules triggered by the re-weighting of the office/outpatient Evaluation & Management (E/M) Codes or other policy options to drastically reduce the cut to Medicare reimbursement. This was achieved by writing letters to Congress as well as supporting client's efforts to endorse and advocate for The Outpatient Therapy Modernization and Stabilization Act (H.R. 7154) would allow PT, OT, and SLP professionals, and facilities that provide outpatient therapy to bill Medicare for outpatient therapy services furnished via telehealth, modify the plan of care certification requirement in order to reduce administrative burden and delays in care; and prevent CMS proposed steep cuts to Medicare in 2021 by providing a one-time exemption from the currently mandated Medicare Physician Fee Schedule budget neutrality rules triggered by the re-weighting of the office/outpatient Evaluation & Management (E/M) Codes. Summarized impact of CMS 2021 Medicare Physician Fee Schedule final rule upon PPS members. Engaged with lawmakers and their staff as well as CMS in order to achieve Medicare coverage of PT provided via telehealth. Advised clients on the impacts of COVID-19 related legislation such as FFCRA, CARES (the PPP and other features), PPPFA, Consolidated Appropriations Act, etc. Successfully lobbied Congressional to clarify that forgiven PPP expenses also be tax deductible. Sent letter to Congressional leadership asking that Provider Relief Fund payments be tax free. Successfully advocated for the inclusion of language from S.4117/H.R.7777 in order to facilitate a one-page form EZ PPP loan forgiveness process for PPP loans of $150,000 or less in the Consolidated Appropriations Act. Advocated successfully for the delay of the reinstatement of the 2% Medicare sequester cut (a derivative of H.R.8840 which called for a delay for the duration of the public health emergency)

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

Government targets: Centers For Medicare and Medicaid Services (CMS), HOUSE OF REPRESENTATIVES, SENATE

S. 172 Health insurance Tax Relief Act of 2019 S.215, the Death Tax Repeal Act of 2019 H.R. 216, the Main Street Tax Certainty S617, the Tax Extender and Disaster Relief Act of 2019 H.R. 807, the Water and Agriculture Tax Reform Act of 2019 S. 361, the Water and Agriculture Tax Reform Act of 2019 H.R.1545 - To amend the Internal Revenue Code of 1986 to repeal the inclusion of certain fringe benefit expenses for which a deduction is disallowed in unrelated business taxable income. S.632 - LIFT for Charities Act H.R.513 - Nonprofits Support Act H.R. 1444 - Forest Recovery Act S. 4117 - The Paycheck Protection Program Small Business Forgiveness Act

Client expense: $237,406 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Environmental Protection Agency (EPA), HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE, Transportation, Dept of (DOT), U.S. Trade Representative (USTR)

Paycheck Protection Program SBA 7(a) lending program S. 2383, Small Business Administration Franchise Loan Transparency Act of 2019 H.R.7066, Reopening America by Supporting Workers and Businesses Act of 2020 H.R. 6907 / S.3742, RELIEF for Main Street Act H.R. 7197 / S. 4012, RESTAURANTS Act S. 4117, Paycheck Protection Program Small Business Forgiveness Act S. 3814, Reviving the Economy Sustainably Towards a Recovery in Twenty-twenty (RESTART) Act Legislative Proposal for franchise investment Small Business Debt Relief Extension Act H.R.8265 - to amend the Small Business Act and the CARES Act S. 178, Delivering Immediate Relief to Americas Families, Schools and Small Businesses Act H.R. 7528, The Get America Back to Work Act of 2020 S. 4676 Small Business Debt Relief Extension Act H.R.8376 Small Business Debt Relief Extension Act S.4773 Continuing Paycheck Protection Program Act S.4817 Small Business Access to Recovery Capital Act H.R.7894, the Paycheck Protection Program Small Business Enhancement Act H.R. 133, Consolidated Appropriations Act, 2021

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

Government targets: Federal Accounting Standards Advisory Board (FASAB), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Labor Relations Board (NLRB), SENATE, Small Business Administration (SBA), Treasury, Dept of, White House Office

HR 2513 / S. 1978 - Beneficial Ownership S. 2563 - Illicit Cash Act S. 3111 - Brokered Deposit reform S. 3108 - Brokered Deposit reform HR 4501 - Brokered Deposit reform COVID-19-related legislation including PPP and EIP (ongoing) S. 3962 - Brokered Deposit Reform S. 3833 - Paycheck Protection Program Extension Act S. 4117 / H.R. 7777 - PPP Forgiveness HR 7753 - Global Investment in American Jobs Act Covered Business Method Review Extension Legislation Lobbying Disclosure Issues Related to FARA and LDA Reference Rate Transition Legislation

Client expense: $190,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Small Business Administration (SBA), Treasury, Dept of

Payroll Protection Plan Loans: NAPEO lobbied Congress on the following legislation - H.R. 7777/S. 4117: to forgive all PPP loans of $150,000 or less; H.R. 6800 (HEROs ACT)/H.R. 6697, The Local Chamber, Tourism, and 501(c)(6) Protection Act of 2020 - provision in HEROs Act that would allow 501(c)(6) organizations to be eligible for PPP loans/H.R. 6697 would do the same; H.R. 8265 which would amend the Small Business Act and the CARES Act to establish a program for second draw loans and make other modifications to the paycheck protection program; and Asked the Small Business Administration to reinforce its regulations and guidance stating that a 941 was not necessary for a small business to apply for and obtain PPP Loan forgiveness and that a statement from a 3rd party payroll provider was sufficient.

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

Government targets: HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), SENATE, Small Business Administration (SBA)

Modifications and extensions related to Paycheck Protection Program: S. 3612/H.R. 6821, Small Business Expense Protection Act (would allow businesses to deduct expenses paid for with forgiven PPP loans) S. 4321, Continuing Small Business Recovery and Paycheck Protection Program Act (expands forgivable expenses, includes additional funding for second draw PPP loans, and provides a simplified forgiveness application and process for loans under $150,000 and between $150,000 and $2 million) S. 4117/H.R. 7777, Paycheck Protection Small Business Forgiveness Act (provides automatic forgiveness for PPP loans not exceeding $150,000 if the recipient submits a one-page form certifying program compliance) H.R. 8807, a bill to authorize second draw PPP loans COVID-19 recovery

Client expense: Not reported · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HR 397 - Rehabilitation for Multiemployer Pensions Act - Otherwise known as the Butch-Lewis Act, this serves as the Democrats solution to the Multiemployer Pension Solvency Crisis by creating a new administration within the Treasury Department to issue loans to plans with (a) critical and declining, (b) critical, or (c) insolvent status. While generally supporting an immediate resolution the crisis as well as moving debate to the Senate, NACD is in opposition to bills that do not address underlying structural issues impacting Multiemployer pensions. HR 4069 - Modern Worker Empowerment Act - H.R. 4069 would bring the Fair Labor Standards Act (FLSA) into the 21st century by updating the definition of employee, conforming the definition of employee with other New Deal era statutes that already apply a common-law definition for the term, and reconciling the FLSA with more recent U.S. Supreme Court decisions. HR2474/S1306 - PRO Act or Protecting the Right to Organize Act of 2019 - The bill, among several different provisions, would (a) force companies to turn over personally identifying information such as addresses, contact information, and shift information on employees to unions, (b) shorten the amount of time businesses would have to prepare for union certifying elections (c) modify the tests for independent-contractor and joint-employer to definitions not consistent with current employment trends, and make many other changes to labor and employment law that would be better debated individually. NACD is in opposition to this bill. In the year-end ombinus/coronavirus response package, NACD lobbied for business relief measures to be included as part of the text including tariff eliminations or deferrals. Additionally, NACD supported loan forgiveness feature covering payroll expenses for paid sick and family medical leave time. In advance of an additional omnibus/coronavirus emergency relief package, NACD again lobbied for tariff relief and other business support measures. NACD offered support and advocated for inclusion of loan forgiveness for Paycheck Protection Program borrowers under $150,000. On June 30, 2020, Senator Kevin Kramer introduced S. 4117, the Paycheck Protection Program Small Business Forgiveness Act, a bill that would modify loan forgiveness under PPP by providing automatic forgiveness of PPP loans that are not more than $150,000 if the recipient submits a one-page form. NACD supports and advocated for the passage of S. 4117 or inclusion of its text in any coronavirus emergency relief package. Maintaining Standard Business Deductions - When Congress passed the CARES Act earlier this year, the Internal Revenue Service took the step of determining that companies that use Paycheck Protection Program (PPP) funds to cover normally deductible expenses would no longer be able to do so. NACD, like much of congress, opposes the IRS decision on the grounds that it largely weakens the impact of the aid. NACD supports measures such as HR6754 and S3612 that would restore these standard business deductions. Additionally, NACD advocated for the inclusion of the Senates infrastructure language in the ombinus-relief package. NACD lobbied against inclusion of HR 397, otherwise known as the Butch-Lewis Act, any future coronavirus emergency relief bill as the bill does not address the underlying structural issues of the multiemployer pension crisis.

Client expense: $40,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

In the year-end omnibus/coronavirus response package, NACD lobbied for business relief measures to be included as part of the text including tariff eliminations or deferrals. Additionally, NACD supported loan forgiveness feature covering payroll expenses for paid sick and family medical leave time. In the year-end onmibus/coronavirus emergency relief package, NACD again lobbied for tariff relief and other business support measures. NACD offered support and advocated for inclusion of loan forgiveness for Paycheck Protection Program borrowers under $150,000. On June 30, 2020, Senator Kevin Kramer introduced S. 4117, the Paycheck Protection Program Small Business Forgiveness Act, a bill that would modify loan forgiveness under PPP by providing automatic forgiveness of PPP loans that are not more than $150,000 if the recipient submits a one-page form. NACD supports and advocated for the passage of S. 4117 or inclusion of its text in any coronavirus emergency relief pacage. Maintaining Standard Business Deductions - When Congress passed the CARES Act earlier this year, the Internal Revenue Service took the step of determining that companies that use Paycheck Protection Program (PPP) funds to cover normally deductible expenses would no longer be able to do so. NACD, like much of congress, opposes the IRS decision on the grounds that it largely weakens the impact of the aid. NACD supports measures such as HR6754 and S3612 that would restore these standard business deductions. Additionally, NACD advocated for the inclusion of the Senates infrastructure language in the year-end omnibus/coronavirus relief package or any upcoming package. NACD lobbied against inclusion of HR 397, otherwise known as the Butch-Lewis Act, any future coronavirus emergency relief bill as the bill does not address the underlying structural issues of the multiemployer pension crisis.

Client expense: $40,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

In the year-end omnibus/coronavirus response package, NACD lobbied for business relief measures to be included as part of the text including tariff eliminations or deferrals. Additionally, NACD supported loan forgiveness feature covering payroll expenses for paid sick and family medical leave time. In the year-end omnibus/coronavirus emergency relief package, NACD again lobbied for tariff relief and other business support measures. NACD offered support and advocated for inclusion of loan forgiveness for Paycheck Protection Program borrowers under $150,000. On June 30, 2020, Senator Kevin Kramer introduced S. 4117, the Paycheck Protection Program Small Business Forgiveness Act, a bill that would modify loan forgiveness under PPP by providing automatic forgiveness of PPP loans that are not more than $150,000 if the recipient submits a one-page form. NACD supports and advocated for the passage of S. 4117 or inclusion of its text in any coronavirus emergency relief package. Maintaining Standard Business Deductions - When Congress passed the CARES Act earlier this year, the Internal Revenue Service took the step of determining that companies that use Paycheck Protection Program (PPP) funds to cover normally deductible expenses would no longer be able to do so. NACD, like much of congress, opposes the IRS decision on the grounds that it largely weakens the impact of the aid. NACD supports measures such as HR6754 and S3612 that would restore these standard business deductions. Additionally, NACD advocated for the inclusion of the Senates infrastructure language in any upcoming package. NACD lobbied against inclusion of HR 397, otherwise known as the Butch-Lewis Act, any future coronavirus emergency relief bill as the bill does not address the underlying structural issues of the multiemployer pension crisis.

Client expense: $40,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

In the year-end onmibus/coronavirus response package, NACD lobbied for business relief measures to be included as part of the text including tariff eliminations or deferrals. Additionally, NACD supported loan forgiveness feature covering payroll expenses for paid sick and family medical leave time. In advance of an additional coronavirus emergency relief package, NACD again lobbied for tariff relief and other business support measures. NACD offered support and advocated for inclusion of loan forgiveness for Paycheck Protection Program borrowers under $150,000. On June 30, 2020, Senator Kevin Kramer introduced S. 4117, the Paycheck Protection Program Small Business Forgiveness Act, a bill that would modify loan forgiveness under PPP by providing automatic forgiveness of PPP loans that are not more than $150,000 if the recipient submits a one-page form. NACD supports and advocated for the passage of S. 4117 or inclusion of its text in any coronavirus emergency relief package. Maintaining Standard Business Deductions - When Congress passed the CARES Act earlier this year, the Internal Revenue Service took the step of determining that companies that use Paycheck Protection Program (PPP) funds to cover normally deductible expenses would no longer be able to do so. NACD, like much of congress, opposes the IRS decision on the grounds that it largely weakens the impact of the aid. NACD supports measures such as HR6754 and S3612 that would restore these standard business deductions. Additionally, NACD advocated for the inclusion of the Senates infrastructure language in any upcoming package. NACD lobbied against inclusion of HR 397, otherwise known as the Butch-Lewis Act, any future coronavirus emergency relief bill as the bill does not address the underlying structural issues of the multiemployer pension crisis.

Client expense: $40,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

In advance of the year-end omnibus/additional coronavirus emergency relief package, NACD again lobbied for tariff relief and other business support measures. NACD offered support and advocated for inclusion of loan forgiveness for Paycheck Protection Program borrowers under $150,000. On June 30, 2020, Senator Kevin Kramer introduced S. 4117, the Paycheck Protection Program Small Business Forgiveness Act, a bill that would modify loan forgiveness under PPP by providing automatic forgiveness of PPP loans that are not more than $150,000 if the recipient submits a one-page form. NACD supports and advocated for the passage of S. 4117 or inclusion of its text in any coronavirus emergency relief package. Maintaining Standard Business Deductions - When Congress passed the CARES Act earlier this year, the Internal Revenue Service took the step of determining that companies that use Paycheck Protection Program (PPP) funds to cover normally deductible expenses would no longer be able to do so. NACD, like much of congress, opposes the IRS decision on the grounds that it largely weakens the impact of the aid. NACD supports measures such as HR6754 and S3612 that would restore these standard business deductions.

Client expense: $40,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 3157, Working Families Tax Relief Act of 2019, in support of expanding the earned income and child tax credits; S. 3814/H.R. 7481, RESTART Act, in opposition to limiting the amount of loan forgiveness to nonprofits; S. 3742/H.R. 6901, RELIEF for Main Street Act, in support of relief for large and mid-size nonprofits during the COVID-19 pandemic; S. 4117/H.R. 7777, Paycheck Protection Small Business Forgiveness Act, in support of full loan forgiveness for nonprofits; In support of a second PPP for all nonprofits with full loan forgiveness; In opposition to the definition of gross receipts; In opposition to SBA Form 3510, the PPP Loan Necessity Questionnaire (Non-Profit Borrowers).

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Small Business Administration (SBA), White House Office

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 S. 4098Coronavirus Housing Counseling Improvement Act, to provide funding for the Neighborhood Reinvestment Corporation Act, and for other purposes. 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. S. 2231/H.R.3922 - American Opportunity Accounts Act -This bill requires federally funded and managed savings accounts (American Opportunity Accounts) to be established for American children who are under the age of 18. The bill also increases and modifies (1) estate and gift taxes, and (2) capital gains taxes. S.5065 - A bill to provide more than $435,000,000,000 in immediate and long-term investments in communities to promote economic justice, and for other purposes. H.Res.1269 - Calling on the President of the United States to take Executive action to broadly cancel Federal student loan debt. H.R. 149/S. 4969 - the Housing Fairness Act: 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. 8946 - To provide emergency relief assistance under a modified Community Development Block Grant program for communities facing economic damage from civil and social crises, and for other purposes. S. 4991/HR 8902 -To amend title 11, United States Code, to add a bankruptcy chapter relating to the debt of individuals, and for other purposes. Xx - FEDERAL HOME LOAN BANKS MISSION IMPLEMENTATION ACT H. R. 8820 - To extend the temporary relief for Federal student loan borrowers provided under the CARES Act. H.R. 4403, Stop Debt Collection Abuse Act of 2019 (Cleaver-D-MO) H. R. 8721 - To provide for the Federal charter of certain public banks, and for other purposes. H.R. 8667/S. 4801 Fair Access to Financial Services Act of 2020 - This bill prohibits financial institutions from discriminating on the basis of race, color, religion, national origin, or sex, including sexual orientation and gender identity. The bill also provides an aggrieved person with a private right of action for preventive relief. S. 4818 Heroes Small Business Lifeline Act - This bill provides economic support to small business affected by COVID-19 (i.e., coronavirus disease 2019) by extending and expanding existing initiatives such as the Paycheck Protection Program, establishing a new lifeline grant program, and providing dedicated assistance for industries such as restaurants and live entertainment. S. 4800 - The HEROES act H.R.133 -Consolidated Appropriations Act, 2021 S.1153 -Stop Student Debt Relief Scams Act of 2019 HR 7616- Transportation, Housing and Urban Development, and Related Agencies Appropriations Act, 2021; This bill provides FY2021 appropriations to the Department of Transportation (DOT), the Department of Housing and Urban Development (HUD), and several related agencies.

Client expense: $100,000 · Firm income: Not reported

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

Coronavirus Aid, Relief, and Economic Security Act or the CARES Act (H.R. 758), Families First Coronavirus Response Act (H.R. 6201), HEROES Act (H.R. 6800), Paycheck Protection Small Business Forgiveness Act (S.4117), Save our Streets Act (S.3787/H.R.6949), Postal Service Emergency Assistance Act (S.4174), Economic Justice Act, Working Families Tax Relief Act (H.R.3157), Emergency Benefits for Independent Workers Program Act. Supported efforts to ensure microbusinesses and businesses operated by women, indigenous community members, and people of color were included in COVID-relief, including advocating for dedicated direct assistance, forgiveness of PPP loans, a microbusiness grant program, unemployment assistance, continuation of business critical services, funding for USPS, tax and debt deferral, targeted support form women-owned, Black-owned and Latinx-owned businesses, expanded broadband access, child care support, portable benefits and expanded EITC.

Client expense: $100,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Federal Communications Commission (FCC), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Labor, Dept of (DOL), SENATE, Small Business Administration (SBA), Treasury, Dept of

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 S. 4098Coronavirus Housing Counseling Improvement Act, to provide funding for the Neighborhood Reinvestment Corporation Act, and for other purposes. 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.

Client expense: $100,000 · Firm income: Not reported

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

General issues related to small business Repeal of the Estate Tax (also TAX issue) Issues related to the White House Conference on Small Business Issues related to small business federal procurement Coronavirus Aid, Relief, and Economic Security (CARES) Act (H.R.748) (also TAX issue) Families First Coronavirus Response Act (H.R.6201) (also LBR issue) Improving Laundering Laws and Increasing Comprehensive Information Tracking of Criminal Activity in Shell Holdings Act (ILLICIT CASH Act, S.2563) Issues related to Beneficial Ownership in the FY20 National Defense Authorization Act Paycheck Protection Program Small Business Forgiveness Act (S.4117) Every Worker Protection Act of 2020 (H.R.6559/H.R.7777) Continuing Small Business Recovery and Paycheck Protection Program Act (S.4321) SAFE TO WORK Act (S.4317) To amend the Small Business Act and the CARES Act to establish a program for second draw loans and make other modifications to the paycheck protection program, and for other purposes (H.R.8265) Consolidated Appropriations Act, 2021 (H.R.133) (also BUD, TAX, LBR issue)

Client expense: $60,000 · Firm income: Not reported

Government targets: Bureau of Labor Statistics (BLS), Education, Dept of, General Services Administration (GSA), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Internal Revenue Service (IRS), Labor, Dept of (DOL), Natl Labor Relations Board (NLRB), Occupational Safety & Health Administration (OSHA), SENATE, Small Business Administration (SBA), Treasury, Dept of, White House Office

H.R. 7777/S. 4117, Paycheck Protection Small Business Forgiveness Act, all provisions; Issues pertaining to SBA 7(a) and 504 programs and small business lending in general.

Client expense: $1,010,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Small Business Administration (SBA), Treasury, Dept of

Small Business Administration 7(a) loan program - program policy, appropriations and authorization level; Paycheck Protection Program - program policy, implementation; CARES Act [PL 116-136]; PPP Flexibility Act of 2020 [PL 116-142]; A bill 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 [PL 116-147]; H.R. 6886, Paycheck Protection Program Flexibility Act of 2020; S. 3833, Paycheck Protection Program Extension Act; S. 3782, Small Business Lending Continuity Act of 2020; S. 4014/H.R. 7241, Prioritized Paycheck Protection Program (P4) Act; S. 3604, Transparency and Oversight of COVID-19 Small Business Assistance Act; H.R. 6800, The Heroes Act; H.R. 8406, The Heroes Act; H.R. 925, The Heroes Act; H.R. 6782, Small Business Transparency and Reporting for the Underbanked and Taxpayers at Home (TRUTH) Act; S. ____, The Immediate Measures to Protect Against COVID-19 Threats for Small Businesses Act of 2020 [DRAFT]; Health, Economic Assistance, Liability Protection, and Schools Act (HEALS Act); S.4321 - Continuing Small Business Recovery and Paycheck Protection Program Act; S.4117 - Paycheck Protection Small Business Forgiveness Act/H.R.7777 - Paycheck Protection Small Business Forgiveness Act; S. 4775, Delivering Immediate Relief to Americas Families, Schools and Small Businesses Act; S.3814 - RESTART Act; H.R.7481 - RESTART Act; S.4676 - A bill to improve the debt relief program under the CARES Act, and for other purposes; H.R.8376 - To improve the debt relief program under the CARES Act, and for other purposes; H.R.8265 - To amend the Small Business Act and the CARES Act to establish a program for second draw loans and make other modifications to the paycheck protection program, and for other purposes; H.R.8087 - To amend the Small Business Act and the CARES Act to establish a program for second draw loans and make other modifications to the paycheck protection program, and for other purposes; Economic Aid to Hard-Hit Small Businesses, Nonprofits, and Venues Act (Economic Aid Act)/ Consolidated Appropriations Act, 2021 [P.L. 116-260]

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

Government targets: HOUSE OF REPRESENTATIVES, Office of Management & Budget (OMB), SENATE, Small Business Administration (SBA), Treasury, Dept of

Small Business Administration 7(a) loan program - program policy, appropriations and authorization level; Paycheck Protection Program - program policy, implementation; CARES Act [PL 116-136]; PPP Flexibility Act of 2020 [PL 116-142]; A bill 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 [PL 116-147]; H.R. 6886, Paycheck Protection Program Flexibility Act of 2020; S. 3833, Paycheck Protection Program Extension Act; S. 3782, Small Business Lending Continuity Act of 2020; S. 4014/H.R. 7241, Prioritized Paycheck Protection Program (P4) Act; S. 3604, Transparency and Oversight of COVID-19 Small Business Assistance Act; H.R. 6800, The Heroes Act; H.R. 8406, The Heroes Act; H.R. 925, The Heroes Act; H.R. 6782, Small Business Transparency and Reporting for the Underbanked and Taxpayers at Home (TRUTH) Act; S. ____, The Immediate Measures to Protect Against COVID-19 Threats for Small Businesses Act of 2020 [DRAFT]; Health, Economic Assistance, Liability Protection, and Schools Act (HEALS Act); S.4321 - Continuing Small Business Recovery and Paycheck Protection Program Act; S.4117 - Paycheck Protection Small Business Forgiveness Act/H.R.7777 - Paycheck Protection Small Business Forgiveness Act; S. 4775, Delivering Immediate Relief to Americas Families, Schools and Small Businesses Act; S.3814 - RESTART Act; H.R.7481 - RESTART Act; S.4676 - A bill to improve the debt relief program under the CARES Act, and for other purposes; H.R.8376 - To improve the debt relief program under the CARES Act, and for other purposes; H.R.8265 - To amend the Small Business Act and the CARES Act to establish a program for second draw loans and make other modifications to the paycheck protection program, and for other purposes; H.R.8087 - To amend the Small Business Act and the CARES Act to establish a program for second draw loans and make other modifications to the paycheck protection program, and for other purposes; Economic Aid to Hard-Hit Small Businesses, Nonprofits, and Venues Act (Economic Aid Act)/ Consolidated Appropriations Act, 2021 [P.L. 116-260]

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

Government targets: HOUSE OF REPRESENTATIVES, Office of Management & Budget (OMB), SENATE, Small Business Administration (SBA), Treasury, Dept of

Small Business Administration 7(a) loan program - program policy, appropriations and authorization level; Paycheck Protection Program - program policy, implementation; CARES Act [PL 116-136]; PPP Flexibility Act of 2020 [PL 116-142]; A bill 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 [PL 116-147]; H.R. 6886, Paycheck Protection Program Flexibility Act of 2020; S. 3833, Paycheck Protection Program Extension Act; S. 3782, Small Business Lending Continuity Act of 2020; S. 4014/H.R. 7241, Prioritized Paycheck Protection Program (P4) Act; S. 3604, Transparency and Oversight of COVID-19 Small Business Assistance Act; H.R. 6800, The Heroes Act; H.R. 8406, The Heroes Act; H.R. 925, The Heroes Act; H.R. 6782, Small Business Transparency and Reporting for the Underbanked and Taxpayers at Home (TRUTH) Act; S. ____, The Immediate Measures to Protect Against COVID-19 Threats for Small Businesses Act of 2020 [DRAFT]; Health, Economic Assistance, Liability Protection, and Schools Act (HEALS Act); S.4321 - Continuing Small Business Recovery and Paycheck Protection Program Act; S.4117 - Paycheck Protection Small Business Forgiveness Act/H.R.7777 - Paycheck Protection Small Business Forgiveness Act; S. 4775, Delivering Immediate Relief to Americas Families, Schools and Small Businesses Act; S.3814 - RESTART Act; H.R.7481 - RESTART Act; S.4676 - A bill to improve the debt relief program under the CARES Act, and for other purposes; H.R.8376 - To improve the debt relief program under the CARES Act, and for other purposes; H.R.8265 - To amend the Small Business Act and the CARES Act to establish a program for second draw loans and make other modifications to the paycheck protection program, and for other purposes; H.R.8087 - To amend the Small Business Act and the CARES Act to establish a program for second draw loans and make other modifications to the paycheck protection program, and for other purposes; Economic Aid to Hard-Hit Small Businesses, Nonprofits, and Venues Act (Economic Aid Act)/ Consolidated Appropriations Act, 2021 [P.L. 116-260]

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

Government targets: HOUSE OF REPRESENTATIVES, Office of Management & Budget (OMB), SENATE, Small Business Administration (SBA), Treasury, Dept of

Work Opportunity Tax Credit (WOTC). Employee Retention Tax Credit (ERTC). Implementation of the Coronavirus Aid, Relief, and Economic Security (CARES) Act, Pub. L. No. 116-136. Tax proposals on perishable food and lost inventory. Proposals to support critical infrastructure workers, including food and restaurant workers, and exempt them from certain taxes during COVID-19 pandemic. S. 4178, a bill to provide for a credit against employment taxes for certain workplace safety expenses, and for other purposes. S. 4014, Prioritized Paycheck Protection Program Act. Implementation of the Paycheck Protection Program Flexibility Act of 2020, Pub. L. No. 116-142. H.R. 7481/S. 3814, RESTART Act. H.R. 6821/S. 3612, Small Business Expense Protection Act of 2020. H.R. 6776, Jumpstarting Our Businesses Success Credit (JOBS Credit) Act of 2020. H.R. 7197/S. 4012, RESTAURANTS Act of 2020. H.R. 6841, Assistance and Gratitude for Coronavirus Heroes in Agribusiness who are Invaluable to the Nation (AG CHAIN) Act. H.R. 7079, Clean Start: Back to Work Tax Credit Act. S. 4117, Paycheck Protection Small Business Forgiveness Act. S. 4178, a bill to provide for a credit against employment taxes for certain workplace safety expenses, and for other purposes. S. 4167, Small Business Disaster Loan Enhancement Act of 2020. H.R. 1869/S. 803, Restoring Investment in Improvements Act. S. 4321, Continuing Small Business Recovery and Paycheck Protection Program Act. Senate Healthcare, Economic Assistance, Liability, and Schools Act (HEALS Act). H.R. 7615/S. 4214, Healthy Workplaces Tax Credit Act. S. 4319, Supporting Americas Restaurant Workers Act. S. 4775, Delivering Immediate Relief to America's Families, Schools and Small Businesses Act. S. 4807, Hospitality and Commerce Job Recovery Act of 2020. S. 5067, Filtering and Retrofitting the Environment for Safe and Healthy Activities Indoors and Revenue (FRESH AIR) for Businesses Act.

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

Government targets: Agriculture, Dept of (USDA), Executive Office of the President (EOP), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Justice, Dept of (DOJ), Labor, Dept of (DOL), SENATE, Small Business Administration (SBA), Treasury, Dept of

Proposals regarding financial regulatory reform implementation for consumer financial products. Proposals to amend the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010. Implementation of S.2155, Economic Growth, Regulatory Relief, and Consumer Protection Act (P.L. 115-174). Financial literacy, education, and diversity and inclusion efforts. Proposals related to the regulation of deposit accounts. Proposals regarding the control and divestiture provisions for bank holding companies under the Bank Holding Company Act. Proposals related to the Bank Secrecy Act and Anti-Money Laundering rules. Proposals related to the reform of the Community Reinvestment Act. Issues relating to bank charters, including those impacting the Bank Holding Company Act. Proposals relating to COVID-19 stimulus relief legislation, including H.R.6201, Families First Coronavirus Response Act (P.L.116-127); H.R.748, CARES Act (P.L.116-136), issues related to the Coronavirus Economic Stabilization Act of 2020; H.R. 6800, The Heroes Act; H.R. 7010, Paycheck Protection Flexibility Act of 2020 (P.L. 116-142); and H.R. 266, Paycheck Protection Program and Health Care Enhancement Act (P.L. 116-139); S.4117, Paycheck Protection Small Business Forgiveness Act, The HEALS Act, and S.178, Delivering Immediate Relief to Americas Families, Schools and Small Businesses Act.

Client expense: $640,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Small Business Administration (SBA), Treasury, Dept of