Credit Access and Inclusion Act of 2021

S.2651; Road to Housing Act of 2025: provisions related to housing supply No bill number; HUD regulation on Minimum Energy Standards for FHA and USDA loans HR 4198 - Protecting Consumers from Abusive Mortgage Leads Act S. 2417 Credit Access and Inclusion Act S. 5027/H.R. 990; Renewing Opportunity in the American Dream to Housing Act HR 2840 Housing Supply Frameworks Act

Client expense: $220,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE

No bill number; HUD regulation on Minimum Energy Standards for FHA and USDA loans HR 4198 - Protecting Consumers from Abusive Mortgage Leads Act S. 2417 Credit Access and Inclusion Act S. 5027/H.R. 990; Renewing Opportunity in the American Dream to Housing Act HR 2840 Housing Supply Frameworks Act

Client expense: $220,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE

No bill number; HUD regulation on Minimum Energy Standards for FHA and USDA loans HR 4198 - Protecting Consumers from Abusive Mortgage Leads Act S. 2417 Credit Access and Inclusion Act S. 5027/H.R. 990; Renewing Opportunity in the American Dream to Housing Act

Client expense: $206,250 · Firm income: Not reported

Government targets: Energy, Dept of, Environmental Protection Agency (EPA), Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE

H.R.8152 - American Data Privacy and Protection Act H.R.7900/S.4543 - National Defense Authorization Act 2023 S.2417/H.R.8985 - Credit Access and Inclusion Act of 2022

Client expense: $150,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S.2417, Credit Access and Inclusion; provisions pertaining to consumer credit, alternative data and financial inclusion. H.R.4120, Comprehensive Credit Reform Act; provisions pertaining to consumer credit. Issues pertaining to consumer finance, consumer credit, buy now pay later lending, and treatment of medical debt in credit reporting. S.1838, Building Credit Access for Veterans Act, issues pertaining to alternative data and credit reporting. H.R.7526, Servicemembers' Credit Monitoring Enhancement Act, issues pertaining to credit monitoring. H.R.6814 Small Business Fair Debt Collection Protection Act, issues pertaining to fair debt collection. National Credit Reporting Agency Act, issues pertaining to credit reporting. H.R.2543, Federal Reserve Racial and Economic Equity Act, issues pertaining to alternative data in mortgage underwriting, negative information on credit reports, medical debt, and credit checks for employment. H.R.8985 Credit Access and Inclusion Act, issues pertaining to credit reporting . McHenry GLBA Modernization Proposal.

Client expense: $430,000 · Firm income: Not reported

Legislative and regulatory issues pertaining to credit reporting and scoring, including H.R. 773, H.R. 1645, H.R. 2537, H.R. 2547, H.R. 4120, H.R. 7526, H.R. 7776, H.R. 7900, H.R. 8985, S. 214, S. 2417, and S. 4543.

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

Government targets: Consumer Financial Protection Bureau (CFPB), HOUSE OF REPRESENTATIVES, SENATE

Issues related to credit scoring; Use of alternative data to expand credit access; Implementation of PL 115-174, Economic Growth, Regulatory Relief and Consumer Protection Act (credit scores); Implementation of PL 116-136, Coronavirus Aid, Relief, and Economic Security (CARES) Act; Disaster Protection for Workers Credit Act; S. 1838, Building Credit Access for Veterans Act of 2021; S. 2417, Credit Access and Inclusion Act of 2021

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S.2417, Credit Access and Inclusion; provisions pertaining to consumer credit, alternative data and financial inclusion. H.R.4120, Comprehensive Credit Reform Act; provisions pertaining to consumer credit. Issues pertaining to consumer finance, consumer credit, buy now pay later lending, and treatment of medical debt in credit reporting. S.1838, Building Credit Access for Veterans Act, issues pertaining to alternative data and credit reporting. H.R.7526, Servicemembers' Credit Monitoring Enhancement Act, issues pertaining to credit monitoring. H.R.6814 Small Business Fair Debt Collection Protection Act, issues pertaining to fair debt collection. National Credit Reporting Agency Act, issues pertaining to credit reporting. H.R.2543, Federal Reserve Racial and Economic Equity Act, issues pertaining to alternative data in mortgage underwriting, negative information on credit reports, medical debt, and credit checks for employment. H.R.8985 Credit Access and Inclusion Act, issues pertaining to credit reporting . McHenry GLBA Modernization Proposal.

Client expense: $430,000 · Firm income: Not reported

H.R. 935/S. 3391, Small Business Mergers, Acquisitions, Sales, and Brokerage Simplification Act of 2021 H.R. 1087, Shareholder Political Transparency Act of 2021 H.R. 1187, Corporate Governance Improvement and Investor Protection Act H.R. 1277/S. 374, Improving Corporate Governance Through Diversity Act of 2021 H.R. 1602, Eliminate Barriers to Innovation Act of 2021 H.R. 2025/S. 840, To amend title 28, United States Code, to increase transparency and oversight of third-party litigation funding in certain actions, and for other purposes H.R. 2516, Promoting Diversity and Inclusion in Banking Act of 2021 H.R. 2543, Federal Reserve Racial and Economic Equity Act H.R. 2547, Comprehensive Debt Collection Improvement Act H.R. 2570, Climate Risk Disclosure Act of 2021 H.R. 2620, Investor Choice Act of 2021 H.R. 2990/S. 3931, Gig Worker Equity Compensation Act H.R. 3007, Disclosure of Tax Havens and Offshoring Act H.R. 3448/S. 4992, Helping Startups Continue to Grow Act H.R. 3454, Modernizing Disclosures for Investors Act H.R. 3843, Merger Filing Fee Modernization Act of 2022 H.R. 4227/S. 3914, Developing and Empowering our Aspiring Leaders Act H.R. 4277, Overdraft Protection Act of 2021 H.R. 4345, Financial Services and General Government Appropriations Act, 2022 H.R. 4521, America Creating Opportunities for Manufacturing, Pre-Eminence in Technology, and Economic Strength (America COMPETES) Act of 2022, including provisions related to House Amendment 218 H.R. 4590, Promoting New and Diverse Depository Institutions Act H.R. 4616, Adjustable Interest Rate (LIBOR) Act of 2021 H.R. 4773, Consumer Financial Protection Commission Act H.R. 5128/S. 3503, Expanding Access to Capital for Rural Job Creators Act H.R. 5525, Establishing New Authorities for Businesses Laundering and Enabling Risks to Security (ENABLERS) Act H.R. 5586/S. 3056, Prohibiting IRS Financial Surveillance Act H.R. 5598/S. 3961, Access to Small Business Investor Capital Act H.R. 5648/S. 3022, Stop Wall Street Looting Act H.R. 5795/S. 3097, Main Street Growth Act H.R. 5910, Holding SPACs Accountable Act of 2021 H.R. 5911, Fair Hiring in Banking Act H.R. 7151, Ensuring Sound Guidance Act H.R. 7900, National Defense Authorization Act for Fiscal Year 2023 H.R. 7977, Promoting Opportunities for Non-Traditional Capital Formation Act H.R. 8254/S. 4685, Financial Services and General Government Appropriations Act, 2023 H.R. 8521, Investor Democracy is Expected (INDEX) Act S. 479, Lifting Our Communities through Advance Liquidity for (LOCAL) Infrastructure Act S. 2417, Credit Access and Inclusion Act of 2021 S. 2508, Veterans and Consumers Fair Credit Act S. 3410, The Consumer Protection and Due Process Act S. 3755, Arbitration Fairness for Consumers Act S. 3921, Equal Opportunity for all Investors Act S. 3923, Dodd-Frank Material Disclosure Improvement Act S. 3930, Administrative Enforcement Fairness Act of 2022 S. 3939, Small Entrepreneurs' Empowerment and Development (SEED) Act of 2022 S. 3967, Improving Crowdfunding Opportunities Act S. 3976, Expanding American Entrepreneurship Act S. 4241, Investor Democracy is Expected (INDEX) Act S. 5005, Mandatory Materiality Requirement Act of 2022 Draft legislation titled Jumpstart our Business Startups (JOBS) Act 4.0 of 2022 Draft legislation titled Mandatory Materiality Requirement Act of 2022 Potential legislation to foster economic growth and job creation through capital formation Potential legislation to further economic growth through environmental, social, and governance factors Potential legislation to make changes to the Exchange Act Rule 14a-8 shareholder proposal process Potential legislation to hold proxy voting advice businesses accountable Potential legislation to require the SEC to consider additional standards in the rulemaking process Potential legislation to study the term small entity Potential legislation regarding a new regulatory framework for stablecoins Potential legislation dealing with third party litigation financing and lawsuit lending SEC Money Market Fund Reforms (86 Fed. Reg. 7,248, December 15, 2021) Proposed Rule, Securities and Exchange Commission; Prohibition Against Fraud, Manipulation, or Deception in Connection with Security-Based Swaps, Prohibition against Undue Influence over Chief Compliance Officers, Position Reporting of Large Security-Based Swap Positions (87 Fed. Reg. 6,652-6,706, February 4, 2022) Proposed rule on Enhancement and Standardization of Climate-Related Disclosures for Investors (87 Fed. Reg. 21,334-21,473, April 11,2022) Proposed Rule, Securities and Exchange Commission; Enhanced Disclosures by Certain Investment Advisers and Investment Companies About Environmental, Social, and Governance Investment Practices (87 Fed. Reg. 36,654-36,761, June 17, 2022) Proposed Rule, Securities and Exchange Commission; Investment Company Names (87 Fed. Reg. 36,594-36,651, June 17,2022) Request for Comment on Certain Information Providers Acting as Investment Advisers; Securities and Exchange Commission (87 Fed. Reg. 37,254-37,262, June 22, 2022) Request for Comment, Bureau of Consumer Financial Protection; Agency Information Collection Activities, Report of Terms of Credit Card Plans (Form FR 2572) and Consumer and College Credit Card Agreements (87 Fed. Reg. 50,851-50,852, August 18, 2022) Proposed Rule, Commodity Futures Trading Commission and Securities and Exchange Commission; Form PF; Reporting Requirements for All Filers and Large Hedge Fund Advisers (87 Fed. Reg. 53,832-53,985 , September 1, 2022) Proposed Rule, Securities and Exchange Commission; Resubmission of Comments and Reopening of Comment Periods for Several Rulemaking Releases Due to a Technological Error is Receiving Certain Comments (87 Fed. Reg. 63,016-63,017, October 18, 2022) SEC Proposed Rule on ESG Disclosures for Investment Advisers and Investment Companies (87 Fed. Reg. 36,654 - 36,761, August 16, 2022) Request for Comment, Securities and Exchange Commission; Draft 2022-2026 Strategic Plan for Securities and Exchange Commission (87 Fed. Reg. 53,040, August 30, 2022) Request for Information, Commodity Futures Trading Commission; Climate-Related Financial Risk (87 Fed. Reg. 34,856-34,862, June 8, 2022) Various issues relating to SEC Best Interest and Enhancing Investment Adviser Regulation relating to broker-dealers, registered investment advisers, conflicts of interest; potential federal preemption of state fiduciary standards; Public Company Accounting Oversight Board (PCAOB); CFTCs de minimis Exception for Swap Dealers; Securities and Exchange Commission amendments to the Commissioners whistleblower rules file no. S7-16-18; proxy process, proxy advisory firms, and other related aspects of corporate governance; corporate common ownership; adoption of the current expected credit loss (CECL) accounting standard; role of credit reporting agencies (CRAs) in the U.S. economy; debt collection practices (regulation F) under the Fair Debt Collection Practices Act (P.L. 95-109); qualified mortgage definition under the Truth in Lending Act (P.L. 90-321) (Regulation Z); Financial Stability Oversight Council and the designation of Nonbank Financial Firms as systemically important; Federal Reserve Systems Large Institution Supervision Coordinating Committee; potential housing finance reform legislation; enforcement of Securities and Exchange Commission penalties; potential repeal of the State and Local Tax (SALT) Cap; federal interest rate authority; Anti-Money Laundering (AML) and Bank Secrecy Act (BSA) reform; electronic consent-based SSN Verification Service (eCBSV); environmental, social, and governance (ESG) enforcement; information Collection under the Community Reinvestment Act (CRA); potential Financial Transaction Tax (FTT); potential Treasury Department proposal relating to tax reporting by banks; investment company cross trading; potential money market fund reform measures; resolutions to establish task forces on Artificial Intelligence and Financial Technology in the House Committee on Financial Services; transition to the secured overnight financing rate; implementation of SEC Rule 15c2-11; Department of Labor fiduciary advice exemption: PTE 2020-02; benefits of risk-based pricing; mobile disclosures; Federal Trade Commission issues: Freedom of Information Act Requests, Penalty Offense Authority, Zombie Voting, and overall direction of the Commission under Chair Lina Khan; Tax Reporting Proposal by the Department of the Treasury related to a $600 or more annual account threshold; Amendment to the FY22 National Defense Authorization Act related to credit reporting; Climate-Related Financial Risk Management for Large Banks; House Committee on Financial Services request for information related to Russia sanctions; Consumer Financial Protection Bureau (CFPB) regulatory sandbox for disclosures; CFPB Policy Fellowship program; CFPB amendment of its Supervision and Examination Manual; CFPB conflation of Distinct Statutory Concepts of Unfairness and Discrimination Promoting the importance of appropriate length of SEC Comment Periods; Internal Revenue Service; Priority Guidance Plan; Compliance Assistance Release, Department of Labor; 401(k) Plan Investments in Cryptocurrencies Request for Information, Consumer Financial Protection Bureau; Fees Imposed by Providers of Consumer Financial Products or Services; Notice of Inquiry, Federal Communications Commission; In the Matter of Implementing the Infrastructure Investment and Jobs Act: Prevention and Elimination of Digital Discrimination; (GN Docket No. 22-69); Consumer Financial Protection Bureau; Enhancing Public Data on Auto Lending; Document ID CFPB-2022-0075-0001 (November 17, 2022); Proposed Rule, Securities and Exchange Commission; Open-End Fund Liquidity Risk Management Programs and Swing Pricing, Form N-PORT; Outsourcing by Investment Advisers (File Nos. S7-26-22, S7-25-22; RIN 3325-AM98; RIN 3235-AN18, November 2, 2022); EU sustainable finance action plan and incorporating ESG factors into financial services; EU requirements for supply chain due diligence and disclosure; EU review of Alternative Investment Fund Managers Directive; EU review of prudential regime for investment firms; implementation and enforcement of Regulation Best Interest by the Securities and Exchange Commission; changes in the enforcement policies of the Securities and Exchange Commission; activity of the Financial Stability Oversight Council and recommendations on macro-prudential regulation; clarification in the regulatory treatment of digital assets by the Securities and Exchange Commission and the Commodity Futures Trading Commission; EU Money Market Fund Regulation, legislative review; electronic delivery of certain investment documents and disclosures; Financial Stability Board recommendations on money market fund reform; IOSCO recommendations on sustainability-related practices, polices, procedures, and disclosure in asset management; Office of Financial Research (OFR) discussions on FSOC Report on Climate-Related Financial Risk; Written responses regarding requests for comment resulting from the March 9, 2022 Executive Order on Ensuring Responsible Development of Digital Assets; FinCEN Implementation of the Beneficial Ownership Requirements of the Corporate Transparency Act (P.L. 116-283)

H.R. 1270, Prohibit Auto Insurance Discrimination (PAID) Act H.R. 2547, Comprehensive Debt Collection Improvement Act H.R. 4277, Overdraft Protection Act of 2021 H.R. 5911, Fair Hiring in Banking Act H.R. 6814, Small Business Fair Debt Collection Protection Act H.R. 7412, Transparency in CFPB Cost-Benefit Analysis Act S. 2417, Credit Access and Inclusion Act of 2021 S. 2508, Veterans and Consumers Fair Credit Act S. 3056, Prohibiting IRS Financial Surveillance Act S. 3755, Arbitration Fairness for Consumers Act Draft legislation titled Ensuring Diversity in Community Banking Act Draft legislation titled Expanding Opportunity for MDIs Act Draft legislation to provide a right of removal to federal court from CFPB administrative adjudication House companion legislation to S. 2417, Credit Access and Inclusion Act of 2021 Draft legislation subjecting the Consumer Financial Protection Bureau to the appropriations process Draft legislation to replace the Consumer Financial Protection Bureau single director with a bipartisan commission Proposed rule regarding beneficial ownership information reporting requirements (86 Fed. Reg. 69,920-69,974, December 8, 2021) Proposed rule regarding Small Business Lending Data Collection Under the Equal Credit Opportunity Act (Regulation B) (86 Fed. Reg. 56,356-56,606, October 8, 2021) Statement of Principles for Climate-Related Financial Risk Management for Large Financial Institutions (87 Fed. Reg. 19,507-19,512, April 4, 2022) Request for Information and Comment on Rules, Regulations, Guidance, and Statements of Policy Regarding Bank Merger Transactions (87 Fed. Reg. 18,740-18,744, March 31, 2022) Notice and Request for Comment Regarding Fees Imposed by Providers of Consumer Financial Products or Services (87 Fed. Reg. 17,996-17,997, March 29, 2022) Proposed rule regarding Community Reinvestment Act (87 Fed. Reg. 33,884-34,066, June 3, 2022) Advance notice of proposed rulemaking; extension of comment period, regarding credit card late fees and late payments, (87 Fed. Reg. 42,662, July 18, 2022) Various issues relating to structure and independence of the Consumer Financial Protection Bureau; artificial intelligence and machine learning; DOJ Bank Merger Competitive Analysis; OCC Request for Feedback on Principles for Climate-Related Financial Risk Management for Large Banks

Issues related to credit reporting -- National Credit Reporting Agency Act, Protecting Your Credit Score Act, Comprehensive Consumer Credit Reporting Reform Act (H.R. 4120), Credit Access and Inclusion Act (S. 2417), Alternative Data for Additional Credit FHA Pilot Program Reauthorization Act (H.R. 123), Building Credit Access for Veterans Act (S. 1838).

Client expense: Not reported · Firm income: $50,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R.8152 - American Data Privacy and Protection Act H.R.7900/S.4543 - National Defense Authorization Act 2023 S.2417/H.R.8985 - Credit Access and Inclusion Act of 2022

Client expense: $150,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to credit scores, including implementation of S.2155, the "Economic Growth, Regulatory Relief and Consumer Protection Act." S. 2417 Credit access and inclusion Act; S. 1838 - Building Credit Access for Veterans Act of 2021.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R.7900 - National Defense Authorization Act 2023, provisions relating to data collection and public data around home addresses for federal Judges S. 2417 - Credit Access and Inclusion Act. Sen. Scott (R-SC)

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 1270, Prohibit Auto Insurance Discrimination (PAID) Act H.R. 2547, Comprehensive Debt Collection Improvement Act H.R. 4277, Overdraft Protection Act of 2021 H.R. 5911, Fair Hiring in Banking Act H.R. 6814, Small Business Fair Debt Collection Protection Act H.R. 7412, Transparency in CFPB Cost-Benefit Analysis Act S. 2417, Credit Access and Inclusion Act of 2021 S. 2508, Veterans and Consumers Fair Credit Act S. 3056, Prohibiting IRS Financial Surveillance Act S. 3755, Arbitration Fairness for Consumers Act Draft legislation titled Ensuring Diversity in Community Banking Act Draft legislation titled Expanding Opportunity for MDIs Act Draft legislation to create a government-run credit bureau at the Consumer Financial Protection Bureau Draft legislation to provide a right of removal to federal court from administrative adjudication House companion legislation to S. 2417, Credit Access and Inclusion Act of 2021 Proposed rule regarding reinstatement of HUDs Discriminatory Effects Standard (86 Fed. Reg. 33,590-33,597, June 25, 2021) Proposed rule regarding beneficial ownership information reporting requirements (86 Fed. Reg. 69,920-69,974, December 8, 2021) Proposed interagency guidance on third-party relationships: risk management (86 Fed. Reg. 38,182-38,204, July 19, 2021) Review of Bank Secrecy Act regulations and guidance (86 Fed. Reg. 71,201-71,207, December 15, 2021) Proposed rule regarding Small Business Lending Data Collection Under the Equal Credit Opportunity Act (Regulation B) (86 Fed. Reg. 56,356-56,606, October 8, 2021) Statement of Principles for Climate-Related Financial Risk Management for Large Financial Institutions (87 Fed. Reg. 19,507-19,512, April 4, 2022) Request for Information and Comment on Rules, Regulations, Guidance, and Statements of Policy Regarding Bank Merger Transactions (87 Fed. Reg. 18,740-18,744, March 31, 2022) Notice and Request for Comment Regarding Fees Imposed by Providers of Consumer Financial Products or Services (87 Fed. Reg. 17,996-17,997, March 29, 2022) Proposed rule regarding Community Reinvestment Act (87 Fed. Reg. 33,884-34,066, June 3, 2022) Advance notice of proposed rulemaking; extension of comment period, regarding credit card late fees and late payments, (87 Fed. Reg. 42,662, July 18, 2022) Various issues relating to structure and independence of the Consumer Financial Protection Bureau; artificial intelligence and machine learning; congressional oversight of large banks; Department of Treasury proposal that would require financial institutions to report to the IRS on the deposits and withdrawals of all business and personal accounts, as well as transfers between accounts of the same owner; DOJ Bank Merger Competitive Analysis; OCC Request for Feedback on Principles for Climate-Related Financial Risk Management for Large Banks

H.R. 935, Small Business Mergers, Acquisitions, Sales, and Brokerage Simplification Act of 2021 H.R. 1087, Shareholder Political Transparency Act of 2021 H.R. 1187, Corporate Governance Improvement and Investor Protection Act H.R. 1277/S. 374, Improving Corporate Governance Through Diversity Act of 2021 H.R. 1602, Eliminate Barriers to Innovation Act of 2021 H.R. 2025/S. 840, To amend title 28, United States Code, to increase transparency and oversight of third-party litigation funding in certain actions, and for other purposes H.R. 2516, Promoting Diversity and Inclusion in Banking Act of 2021 H.R. 2543, Federal Reserve Racial and Economic Equity Act H.R. 2547, Comprehensive Debt Collection Improvement Act H.R. 2570, Climate Risk Disclosure Act of 2021 H.R. 2620, Investor Choice Act of 2021 H.R. 3007, Disclosure of Tax Havens and Offshoring Act H.R. 3448, Helping Startups Continue to Grow Act H.R. 3454, Modernizing Disclosures for Investors Act H.R. 3843, Merger Filing Fee Modernization Act of 2022 H.R. 4277, Overdraft Protection Act of 2021 H.R. 4345, Financial Services and General Government Appropriations Act, 2022 H.R. 4521, America Creating Opportunities for Manufacturing, Pre-Eminence in Technology, and Economic Strength (America COMPETES) Act of 2022, including provisions related to House Amendment 218 H.R. 4590, Promoting New and Diverse Depository Institutions Act H.R. 4616, Adjustable Interest Rate (LIBOR) Act of 2021 H.R. 4773, Consumer Financial Protection Commission Act H.R. 5586/S. 3056, Prohibiting IRS Financial Surveillance Act H.R. 5648/S. 3022, Stop Wall Street Looting Act H.R. 5910, Holding SPACs Accountable Act of 2021 H.R. 5911, Fair Hiring in Banking Act H.R. 7151, Ensuring Sound Guidance Act H.R. 7900, National Defense Authorization Act for Fiscal Year 2023 H.R. 7977, Promoting Opportunities for Non-Traditional Capital Formation Act H.R. 8254/S. 4685, Financial Services and General Government Appropriations Act, 2023 H.R. 8521, Investor Democracy is Expected (INDEX) Act S. 479, Lifting Our Communities through Advance Liquidity for (LOCAL) Infrastructure Act S. 2417, Credit Access and Inclusion Act of 2021 S. 2508, Veterans and Consumers Fair Credit Act S. 2621, Modernization of Derivatives Tax Act of 2021 S. 3410, The Consumer Protection and Due Process Act S. 3755, Arbitration Fairness for Consumers Act S. 3844, Economic Continuity and Stability Act S. 3914, Developing and Empowering our Aspiring Leaders Act of 2022 S. 4241, Investor Democracy is Expected (INDEX) Act Draft legislation titled Jumpstart our Business Startups (JOBS) Act 4.0 of 2022 Draft legislation titled Mandatory Materiality Requirement Act of 2022 Potential legislation to foster economic growth and job creation through capital formation Potential legislation to further economic growth through environmental, social, and governance factors Potential legislation to make changes to the Exchange Act Rule 14a-8 shareholder proposal process Potential legislation to hold proxy voting advice businesses accountable Potential legislation to expressing a sense of Congress reaffirming the Supreme Court materiality standard Potential legislation to require the SEC to consider additional standards in the rulemaking process Potential legislation to study the term small entity Potential legislation regarding a new regulatory framework for stablecoins Potential legislation dealing with third party litigation financing and lawsuit lending Potential legislation dealing with securities litigation Nomination of Mark Uyeda to be Commissioner of the U.S. Securities and Exchange Commission (SEC) Proposed rule regarding SEC Enhanced Reporting of Proxy Votes by Registered Management Investment Companies; Reporting of Executive Compensation Votes by Institutional Investment Managers Proposed Rule (86 Fed. Reg. 57,478-57,524, October 15, 2021) Proposed rule regarding Position Reporting of Large Security-Based Swap Positions (87 Fed. Reg. 6,652-6,706, December 15, 2021) SEC Money Market Fund Reforms (86 Fed. Reg. 7,248, December 15, 2021) Proposed rules regarding amendments to Form PF (87 Fed. Reg. 9,106-9,235, January 26, 2022) Proposed rule regarding Share Repurchase Disclosure Modernization (87 Fed. Reg. 8,443-8,472, February 15, 2022) Proposed Rule, Securities and Exchange Commission; Prohibition Against Fraud, Manipulation, or Deception in Connection with Security-Based Swaps, Prohibition against Undue Influence over Chief Compliance Officers, Position Reporting of Large Security-Based Swap Positions (87 Fed. Reg. 6,652-6,706, February 4, 2022) Proposed rule on Enhancement and Standardization of Climate-Related Disclosures for Investors (87 Fed. Reg. 21,334-21,473, April 11,2022) Proposed Rule, Securities and Exchange Commission; Enhanced Disclosures by Certain Investment Advisers and Investment Companies About Environmental, Social, and Governance Investment Practices (87 Fed. Reg. 36,654-36,761, June 17, 2022) Proposed Rule, Securities and Exchange Commission; Investment Company Names (87 Fed. Reg. 36,594-36,651, June 17,2022) Proposed Rule, Securities and Exchange Commission; Share Repurchase Disclosure Modernization (87 Fed. Reg. 8,443-8,472, April 1, 2022) Proposed Rule, Securities and Exchange Commission; Substantial Implementation, Duplication, and Resubmission of Shareholder Proposals Under Exchange Act Rule 14a-8 (87 Fed. Reg. 45,052-45,075. July 27, 2022) Request for Comment on Certain Information Providers Acting as Investment Advisers; Securities and Exchange Commission (87 Fed. Reg. 37,254-37,262, June 22, 2022) Request for Comment, Bureau of Consumer Financial Protection; Agency Information Collection Activities, Report of Terms of Credit Card Plans (Form FR 2572) and Consumer and College Credit Card Agreements (87 Fed. Reg. 50,851-50,852, August 18, 2022) Advance Notice of Proposed Rulemaking, Bureau of Consumer Financial Protection; Credit Card Late Fees and Late Payments (87 Fed. Reg. 42,662, July 18, 2022) Joint Notice of Proposed Rulemaking, Office of the Comptroller of the Currency, Federal Deposit Insurance Corporation, Federal Reserve System; Community Reinvestment Act (87 Fed. Reg. 33,884-34,066, June 3, 2022) Request for Comments, Department of the Treasury; Ensuring Responsible Development of Digital Assets (87 Fed. Reg. 40,881-40,883, July 8, 2022) Request for Comment, International Trade Administration; Developing a Framework on Competitiveness of Digital Asset Technologies (87 Fed. Reg. 30450- 30452, May 19, 2022) Various issues relating to SEC Best Interest and Enhancing Investment Adviser Regulation relating to broker-dealers, registered investment advisers, conflicts of interest; potential federal preemption of state fiduciary standards; Public Company Accounting Oversight Board (PCAOB); CFTCs de minimis Exception for Swap Dealers; Securities and Exchange Commission amendments to the Commissioners whistleblower rules file no. S7-16-18; proxy process, proxy advisory firms, and other related aspects of corporate governance; corporate common ownership; adoption of the current expected credit loss (CECL) accounting standard; role of credit reporting agencies (CRAs) in the U.S. economy; debt collection practices (regulation F) under the Fair Debt Collection Practices Act (P.L. 95-109); qualified mortgage definition under the Truth in Lending Act (P.L. 90-321) (Regulation Z); Financial Stability Oversight Council and the designation of Nonbank Financial Firms as systemically important; Federal Reserve Systems Large Institution Supervision Coordinating Committee; potential housing finance reform legislation; enforcement of Securities and Exchange Commission penalties; potential repeal of the State and Local Tax (SALT) Cap; federal interest rate authority; Anti-Money Laundering (AML) and Bank Secrecy Act (BSA) reform; electronic consent-based SSN Verification Service (eCBSV); environmental, social, and governance (ESG) enforcement; information Collection under the Community Reinvestment Act (CRA); potential Financial Transaction Tax (FTT); potential Treasury Department proposal relating to tax reporting by banks; investment company cross trading; potential money market fund reform measures; resolutions to establish task forces on Artificial Intelligence and Financial Technology in the House Committee on Financial Services; transition to the secured overnight financing rate; implementation of SEC Rule 15c2-11; Department of Labor fiduciary advice exemption: PTE 2020-02; benefits of risk-based pricing; mobile disclosures; Federal Trade Commission issues: Freedom of Information Act Requests, Penalty Offense Authority, Zombie Voting, and overall direction of the Commission under Chair Lina Khan; Tax Reporting Proposal by the Department of the Treasury related to a $600 or more annual account threshold; Amendment to the FY22 National Defense Authorization Act related to credit reporting; Climate-Related Financial Risk Management for Large Banks; House Committee on Financial Services request for information related to Russia sanctions; CFPB Policy Fellowship program; CFPB amendment of its Supervision and Examination Manual; CFPB conflation of Distinct Statutory Concepts of Unfairness and Discrimination; Promoting the importance of appropriate length of SEC Comment Periods; Internal Revenue Service; Priority Guidance Plan; Compliance Assistance Release, Department of Labor; 401(k) Plan Investments in Cryptocurrencies Request for Information, Consumer Financial Protection Bureau; Fees Imposed by Providers of Consumer Financial Products or Services; Notice of Inquiry, Federal Communications Commission; In the Matter of Implementing the Infrastructure Investment and Jobs Act: Prevention and Elimination of Digital Discrimination; (GN Docket No. 22-69); EU sustainable finance action plan and incorporating ESG factors into financial services; EU review of Alternative Investment Fund Managers Directive; EU review of prudential regime for investment firms; implementation and enforcement of Regulation Best Interest by the Securities and Exchange Commission; changes in the enforcement policies of the Securities and Exchange Commission; activity of the Financial Stability Oversight Council and recommendations on macro-prudential regulation; clarification in the regulatory treatment of digital assets by the Securities and Exchange Commission and the Commodity Futures Trading Commission; implementation and enforcement of proxy advisory firm regulations finalized in 2020; implementation and enforcement of SEC 14a-8 shareholder proposal process reforms finalized in 2020; EU Money Market Fund Regulation, legislative review; electronic delivery of certain investment documents and disclosures; implementation of beneficial ownership reporting requirements under the National Defense Authorization Act FY2021 (P.L. 116-283); implementation of the Social Security Administrations Electronic Consent Based Social Security Number Verification System Service; Financial Stability Board recommendations on money market fund reform; IOSCO recommendations on sustainability-related practices, polices, procedures, and disclosure in asset management; Office of Financial Research (OFR) discussions on FSOC Report on Climate-Related Financial Risk; staff legal guidance at the SEC concerning no-action letters on shareholder proposals with broad societal impact (Staff Legal Bulletin 14L-CF); SEC Reforms to regulations related to Cybersecurity Disclosures; SEC Reforms to regulations related to Human Capital Management Disclosures; SEC Reforms to regulations related to proxy voting advice businesses; SEC request for information on digital engagement practices; Written responses regarding requests for comment resulting from the March 9, 2022 Executive Order on Ensuring Responsible Development of Digital Assets; SEC Proposed Rule amending 10b5-1; SEC Proposed Rule on Private Fund Advisers; Documentation of Registered Investment Adviser Compliance Reviews; SEC Amended Rule 15c2-11, applicability to 144A securities; SEC Proposed Rule on the Enhancement and Standardization of Climate-Related Disclosures for Investors; SEC Substantial Implementation, Duplication, and Resubmission of Shareholder Proposals Under Exchange Act Rule 14a-8; PCAOB 2022-2026 Draft Strategic Plan; SEC FY 22-26 Strategic Plan; FinCEN Implementation of the Beneficial Ownership Requirements of the Corporate Transparency Act (P.L. 116-283)

S.2417, Credit Access and Inclusion; provisions pertaining to consumer credit, alternative data and financial inclusion. H.R.4120, Comprehensive Credit Reform Act; provisions pertaining to consumer credit. Issues pertaining to consumer credit, buy now pay later lending, and treatment of medical debt in credit reporting. S.1838, Building Credit Access for Veterans Act, issues pertaining to alternative data and credit reporting. H.R.7526, Servicemembers' Credit Monitoring Enhancement Act, issues pertaining to credit monitoring. H.R.6814 Small Business Fair Debt Collection Protection Act, issues pertaining to fair debt collection. H.R.4521, America COMPETES Act of 2022, provisions pertaining to Digital Identity, the INFORM Act, and SAFE banking. National Credit Reporting Agency Act, issues pertaining to credit reporting. H.R.2543, Federal Reserve Racial and Economic Equity Act, issues pertaining to alternative data in mortgage underwriting, negative information on credit reports, medical debt, and credit checks for employment. H.R.8985 Credit Access and Inclusion Act, issues pertaining to credit reporting .

Client expense: $530,000 · Firm income: Not reported

Issues related to credit scoring; Use of alternative data to expand credit access; Implementation of PL 115-174, Economic Growth, Regulatory Relief and Consumer Protection Act (credit scores); Implementation of PL 116-136, Coronavirus Aid, Relief, and Economic Security (CARES) Act; Disaster Protection for Workers Credit Act; S. 1838, Building Credit Access for Veterans Act of 2021; S. 2417, Credit Access and Inclusion Act of 2021

Client expense: $180,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Legislative and regulatory issues pertaining to credit reporting and scoring, including H.R. 773, H.R. 1645, H.R. 2537, H.R. 2547, H.R. 4120, S. 214, S. 2417, H.R. 7526, H.R. 8985, H.R. 7900, and S. 4543.

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

Government targets: Consumer Financial Protection Bureau (CFPB), HOUSE OF REPRESENTATIVES, SENATE

H.R.8152 - American Data Privacy and Protection Act H.R.7900/S.4543 - National Defense Authorization Act 2023 S.2417/H.R.8985 - Credit Access and Inclusion Act of 2022

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to credit scores, including implementation of S.2155, the "Economic Growth, Regulatory Relief and Consumer Protection Act." S. 2417 Credit access and inclusion Act; S. 1838 - Building Credit Access for Veterans Act of 2021.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R.8152 - To provide consumers with foundational data privacy rights, create strong oversight mechanisms, and establish meaningful enforcement. Rep. Pallone (D-NJ) H.R.7900 - National Defense Authorization Act 2023 S. 2417 - Credit Access and Inclusion Act. Sen. Scott (R-SC)

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S. 2417, Credit Access and Inclusion; provisions pertaining to consumer credit, alternative data and financial inclusion. H.R. 4120, Comprehensive Credit Reform Act; provisions pertaining to consumer credit. Issues pertaining to consumer credit, buy now pay later lending, and credit reporting. S. 1838, Building Credit Access for Veterans Act, issues pertaining to alternative data and credit reporting. H.R. 7526, Servicemembers' Credit Monitoring Enhancement Act, issues pertaining to credit monitoring. H.R. 6814 Small Business Fair Debt Collection Protection Act, issues pertaining to fair debt collection. H.R. 123, Alternative Data for Additional Credit FHA Pilot Program Reauthorization Act, provisions pertaining to alternative data and credit reporting. Issues relating to the treatment of medical debt in credit reporting. H.R. 8152, American Data Privacy and Protection Act, issues pertaining to federal privacy legislation. H.R.4521, America COMPETES Act of 2022, provisions pertaining to Digital Identity, the INFORM Act, and SAFE banking.

Client expense: $490,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to credit scoring; Use of alternative data to expand credit access; Implementation of PL 115-174, Economic Growth, Regulatory Relief and Consumer Protection Act (credit scores); Implementation of PL 116-136, Coronavirus Aid, Relief, and Economic Security (CARES) Act; Disaster Protection for Workers Credit Act; S. 1838, Building Credit Access for Veterans Act of 2021; S. 2417, Credit Access and Inclusion Act of 2021

Client expense: $160,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to credit reporting -- National Credit Reporting Agency Act, Protecting Your Credit Score Act, Comprehensive Consumer Credit Reporting Reform Act (H.R. 4120), Credit Access and Inclusion Act (S. 2417), Alternative Data for Additional Credit FHA Pilot Program Reauthorization Act (H.R. 123), Building Credit Access for Veterans Act (S. 1838).

Client expense: Not reported · Firm income: $50,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 935, Small Business Mergers, Acquisitions, Sales, and Brokerage Simplification Act of 2021 H.R. 1087, Shareholder Political Transparency Act of 2021 H.R. 1187, Corporate Governance Improvement and Investor Protection Act H.R. 1277/S. 374, Improving Corporate Governance Through Diversity Act of 2021 H.R. 1602, Eliminate Barriers to Innovation Act of 2021 H.R. 2025/S. 840, To amend title 28, United States Code, to increase transparency and oversight of third-party litigation funding in certain actions, and for other purposes H.R. 2516, Promoting Diversity and Inclusion in Banking Act of 2021 H.R. 2543, Federal Reserve Racial and Economic Equity Act H.R. 2547, Comprehensive Debt Collection Improvement Act H.R. 2570, Climate Risk Disclosure Act of 2021 H.R. 2620, Investor Choice Act of 2021 H.R. 3007, Disclosure of Tax Havens and Offshoring Act H.R. 3448, Helping Startups Continue to Grow Act H.R. 3454, Modernizing Disclosures for Investors Act H.R. 4277, Overdraft Protection Act of 2021 H.R. 4345, Financial Services and General Government Appropriations Act, 2022 H.R. 4350, National Defense Authorization Act for Fiscal Year 2022 H.R. 4521, America Creating Opportunities for Manufacturing, Pre-Eminence in Technology, and Economic Strength (America COMPETES) Act of 2022, including provisions related to House Amendment 218 H.R. 4590, Promoting New and Diverse Depository Institutions Act H.R. 4616, Adjustable Interest Rate (LIBOR) Act of 2021 H.R. 4773, Consumer Financial Protection Commission Act H.R. 5586/S. 3056, Prohibiting IRS Financial Surveillance Act H.R. 5648/S. 3022, Stop Wall Street Looting Act H.R. 5910, Holding SPACs Accountable Act of 2021 H.R. 5911, Fair Hiring in Banking Act H.R. 7977, Promoting Opportunities for Non-Traditional Capital Formation Act S. 479, Lifting Our Communities through Advance Liquidity for (LOCAL) Infrastructure Act S. 2417, Credit Access and Inclusion Act of 2021 S. 2508, Veterans and Consumers Fair Credit Act S. 2621, Modernization of Derivatives Tax Act of 2021 S. 3410, The Consumer Protection and Due Process Act S. 3844, Economic Continuity and Stability Act S. 3914, Developing and Empowering our Aspiring Leaders Act of 2022 S. 4241, INvestor Democracy is EXpected (INDEX) Act Draft legislation titled Jumpstart our Business Startups (JOBS) Act 4.0 of 2022 Draft legislation titled Making appropriations for Financial Services and General Government for the fiscal year ending September 30, 2023, and for other purposes Potential legislation to foster economic growth and job creation through capital formation Potential legislation to further economic growth through environmental, social, and governance factors Potential legislation to speed up the timeline of the Holding Foreign Companies Accountable Act Potential legislation to enshrine SEC threshold ownership requirements for shareholder proposals Potential legislation to require the SEC to study barriers in accessing capital for minority entrepreneurs Potential legislation to expressing a sense of Congress reaffirming the Supreme Court materiality standard Potential legislation to require the SEC to consider additional standards in the rulemaking process Nomination of Mark Uyeda to be Commissioner of the U.S. Securities and Exchange Commission (SEC) Proposed rule regarding SEC Enhanced Reporting of Proxy Votes by Registered Management Investment Companies; Reporting of Executive Compensation Votes by Institutional Investment Managers Proposed Rule (86 Fed. Reg. 57,478-57,524, October 15, 2021) Proposed rule regarding SEC Reporting of Securities Loans (86 Fed. Reg. 69,802-69,853, December 8, 2021) Proposed rule regarding Position Reporting of Large Security-Based Swap Positions (87 Fed. Reg. 6,652-6,706, December 15, 2021) SEC Money Market Fund Reforms (86 Fed. Reg. 7,248, December 15, 2021) Proposed rules regarding amendments to Form PF (87 Fed. Reg. 9,106-9,235, January 26, 2022) Request for Information Regarding Fees Imposed by Providers of Consumer Financial Products or Services, Consumer Financial Protection Bureau; (87 Fed. Reg. 5,801-5,803, February 2, 2022) Request for Comment, Board of Governors of the Federal Reserve System; Framework for the Supervision of Insurance Organizations (87 Fed. Reg. 6,537-6,549, February 4, 2022) Procedural Rule, Request for Comment, Consumer Financial Protection Bureau; Supervisory Authority Over Certain Nonbank Covered Persons Based on Risk Determination; Public Release of Decisions and Orders (87 Fed. Reg. 25397-25398, April 29, 2022) Proposed Rule, Consumer Financial Protection Bureau; Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of Human Trafficking (Regulation V) (87 Fed. Reg. 20,771-20,781, April 8, 2022) Proposed Rule, Federal Deposit Insurance Corporation; Rules, Regulations, Guidance, and Statement of Policy on Bank Merger Transactions (87 Fed. Reg. 18,740-18,744, March 31, 2022) Proposed Rule; Cybersecurity Risk Management, Strategy, Governance, and Incident Disclosure (87 Fed. Reg. 16,590-16,624, May 9, 2022) Proposed Rule, Securities and Exchange Commission; Private Fund Advisers; Documentation of Registered Investment Adviser Compliance Reviews (87 Fed. Reg. 16,886-16,977, March 24, 2022) Request for Comment, Federal Deposit Insurance Corporation; Statement of Principles for Climate-Related Financial Risk Management for Large Financial Institutions (87 Fed. Reg. 19,507-19,512, April 4, 2022) Various issues relating to SEC Best Interest and Enhancing Investment Adviser Regulation relating to broker-dealers, registered investment advisers, conflicts of interest; potential federal preemption of state fiduciary standards; Public Company Accounting Oversight Board (PCAOB); CFTCs de minimis Exception for Swap Dealers; Securities and Exchange Commission amendments to the Commissioners whistleblower rules file no. S7-16-18; proxy process, proxy advisory firms, and other related aspects of corporate governance; corporate common ownership; adoption of the current expected credit loss (CECL) accounting standard; role of credit reporting agencies (CRAs) in the U.S. economy; debt collection practices (regulation F) under the Fair Debt Collection Practices Act (P.L. 95-109); qualified mortgage definition under the Truth in Lending Act (P.L. 90-321) (Regulation Z); Financial Stability Oversight Council and the designation of Nonbank Financial Firms as systemically important; Federal Reserve Systems Large Institution Supervision Coordinating Committee; potential housing finance reform legislation; enforcement of Securities and Exchange Commission penalties; potential repeal of the State and Local Tax (SALT) Cap; federal interest rate authority; Anti-Money Laundering (AML) and Bank Secrecy Act (BSA) reform; electronic consent-based SSN Verification Service (eCBSV); environmental, social, and governance (ESG) enforcement; information Collection under the Community Reinvestment Act (CRA) (P.L. 95-128); potential Financial Transaction Tax (FTT); potential Treasury Department proposal relating to tax reporting by banks; investment company cross trading; potential money market fund reform measures; resolutions to establish task forces on Artificial Intelligence and Financial Technology in the House Committee on Financial Services; transition to the secured overnight financing rate; implementation of SEC Rule 15c2-11; Department of Labor fiduciary advice exemption: PTE 2020-02; benefits of risk-based pricing; mobile disclosures; Federal Trade Commission issues: Freedom of Information Act Requests, Penalty Offense Authority, Zombie Voting, and overall direction of the Commission under Chair Lina Khan; Tax Reporting Proposal by the Department of the Treasury related to a $600 or more annual account threshold; Amendment to the FY22 National Defense Authorization Act related to credit reporting; Climate-Related Financial Risk Management for Large Banks; House Committee on Financial Services request for information related to Russia sanctions; Proposed Rule, Securities and Exchange Commission; Prohibition Against Fraud, Manipulation, or Deception in Connection with Security-Based Swaps, Prohibition against Undue Influence over Chief Compliance Officers, Position Reporting of Large Security-Based Swap Positions; Consumer Financial Protection Bureau (CFPB) activities, including a regulatory sandbox for disclosures; CFPB Policy Fellowship program; CFPB amendment of its Supervision and Examination Manual; CFPB conflation of Distinct Statutory Concepts of Unfairness and Discrimination Promoting the importance of appropriate length of SEC Comment Periods; EU sustainable finance action plan and incorporating ESG factors into financial services; EU review of Alternative Investment Fund Managers Directive; EU review of prudential regime for investment firms; implementation and enforcement of Regulation Best Interest by the Securities and Exchange Commission; changes in the enforcement policies of the Securities and Exchange Commission; activity of the Financial Stability Oversight Council and recommendations on macro-prudential regulation; clarification in the regulatory treatment of digital assets by the Securities and Exchange Commission and the Commodity Futures Trading Commission; implementation and enforcement of proxy advisory firm regulations finalized in 2020; implementation and enforcement of SEC 14a-8 shareholder proposal process reforms finalized in 2020; EU Money Market Fund Regulation, legislative review; electronic delivery of certain investment documents and disclosures; implementation of beneficial ownership reporting requirements under the National Defense Authorization Act FY2021 (P.L. 116-283); implementation of the Social Security Administrations Electronic Consent Based Social Security Number Verification System Service; Financial Stability Board recommendations on money market fund reform; IOSCO recommendations on sustainability-related practices, polices, procedures, and disclosure in asset management; Office of Financial Research (OFR) discussions on FSOC Report on Climate-Related Financial Risk; staff legal guidance at the SEC concerning no-action letters on shareholder proposals with broad societal impact (Staff Legal Bulletin 14L-CF); SEC reforms to regulations related to climate disclosures; SEC reforms to regulations related to Shareholder Proposals; SEC reforms to regulations related to Cybersecurity Disclosures; SEC reforms to regulations related to Human Capital Management Disclosures; SEC reforms to regulations related to Share Repurchase Disclosures; SEC reforms to regulations related to 10b5-1 Disclosure; SEC request for information on digital engagement practices; FinCEN Implementation of the Beneficial Ownership Requirements of the Corporate Transparency Act (P.L. 116-283); SEC Reopening of Comment Period on Pay Versus Performance; SEC Proposed Rule amending 10b5-1; SEC Amended Rule 15c2-11, applicability to 144A securities; SEC Proposed Rule on the Enhancement and Standardization of Climate-Related Disclosures for Investors; SEC prosed rule on private fund advisors; documentation of registered investment adviser compliance reviews; Proposed Rule, Securities and Exchange Commission; Share Repurchase Disclosure Modernization; Proposed Rule, Securities and Exchange Commission; The Enhancement and Standardization of Climate-Related Disclosures for Investors; Proposed Rule, Securities and Exchange Commission; Money Market Fund Reforms; Proposed Rule, Securities and Exchange Commission; Share Repurchase Disclosure Modernization; Notice, Internal Revenue Service; Priority Guidance Plan; Compliance Assistance Release, Department of Labor; 401(k) Plan Investments in Cryptocurrencies Request for Information, Consumer Financial Protection Bureau; Fees Imposed by Providers of Consumer Financial Products or Services; cybersecurity risk management and incident reporting; enhancement and standardization of climate related disclosures to investors SEC regulation

H.R. 1270, Prohibit Auto Insurance Discrimination (PAID) Act H.R. 4277, Overdraft Protection Act of 2021 H.R. 5911, Fair Hiring in Banking Act H.R. 6814, Small Business Fair Debt Collection Protection Act H.R. 7412, Transparency in CFPB Cost-Benefit Analysis Act S. 2417, Credit Access and Inclusion Act of 2021 S. 2508, Veterans and Consumers Fair Credit Act S. 3056, Prohibiting IRS Financial Surveillance Act S. 3755, Arbitration Fairness for Consumers Act Draft legislation titled Ensuring Diversity in Community Banking Act Draft legislation titled Expanding Opportunity for MDIs Act Draft legislation to create a government-run credit bureau at the Consumer Financial Protection Bureau Draft legislation to provide a right of removal to federal court from administrative adjudication Nomination of Sarah Bloom Raskin, Vice Chair for Supervision, Federal Reserve Proposed rule regarding reinstatement of HUDs discriminatory effects standard (86 Fed. Reg. 33,590-33,597, June 25, 2021) FinCEN proposed rule on Beneficial Ownership Reporting Requirements (86 Fed. Reg. 69,920-69,974, December 8, 2021) Proposed Interagency Guidance on Third-Party Relationships: Risk Management (86 Fed. Reg. 38,182-38,204, July 19, 2021); Rulemaking to implement Section 1071 of the Dodd-Frank Wall Street Reform and Consumer Protection Act (86 Fed. Reg. 56,356-56,606, October 8, 2021); Various issues relating to structure and independence of the Consumer Financial Protection Bureau; artificial intelligence and machine learning; DOJ Bank Merger Competitive Analysis; OCC Request for Feedback on Principles for Climate-Related Financial Risk Management for Large Banks; FinCEN RFI on Review of Bank Secrecy Act Regulations and Guidance; FDIC Request for Information on Climate-Related Financial Risk Management for Large Institutions; FDIC Request for Comment on Rules, Regulations, Guidance, and Statement of Policy on Bank Merger Transactions

Issues related to credit scores, including implementation of S.2155, the "Economic Growth, Regulatory Relief and Consumer Protection Act," and of H.R.748, the "Coronavirus Aid, Relief and Economic Security Act." S. 2417 Credit access and inclusion Act; S. 1838 - Building Credit Access for Veterans Act of 2021.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R.7919 - To amend the Fair Credit Reporting Act to permit certain credit repair organizations to dispute credit information directly with a furnisher, and for other purposes. Rep. Lawson (D-FL) H.R.8152 - To provide consumers with foundational data privacy rights, create strong oversight mechanisms, and establish meaningful enforcement. Rep. Pallone (D-NJ) H.R.7549 - Seasonal Worker Solidarity Act of 2022. Rep. Castro (D-TX) H.R. 6814 - Small Business Fair Debt Collection Protection Act. Rep. Lawson (D-FL) H.R. 7526 - Servicemembers Credit Monitoring Enhancement Act. Rep. Stefanik (R-NY) S. 2417 - Credit Access and Inclusion Act. Sen. Scott (R-SC)

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Legislative and regulatory issues pertaining to credit reporting and scoring, including H.R. 773, H.R. 1645, H.R. 2537, H.R. 2547, H.R. 4120, S. 214, S. 2417 and H.R. 7526.

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

Government targets: Consumer Financial Protection Bureau (CFPB), HOUSE OF REPRESENTATIVES, SENATE

Issues related to credit scoring; Use of alternative data to expand credit access; Implementation of PL 115-174, Economic Growth, Regulatory Relief and Consumer Protection Act (credit scores); Implementation of PL 116-136, Coronavirus Aid, Relief, and Economic Security (CARES) Act; Disaster Protection for Workers Credit Act; S. 1838, Building Credit Access for Veterans Act of 2021; S. 2417, Credit Access and Inclusion Act of 2021

Client expense: $150,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to credit reporting -- National Credit Reporting Agency Act, Protecting Your Credit Score Act, Comprehensive Consumer Credit Reporting Reform Act (H.R. 4120), Credit Access and Inclusion Act (S. 2417), Alternative Data for Additional Credit FHA Pilot Program Reauthorization Act (H.R. 123), Building Credit Access for Veterans Act (S. 1838).

Client expense: Not reported · Firm income: $50,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S. 2417, Credit Access and Inclusion; provisions pertaining to consumer credit, alternative data and financial inclusion. HR 4120, Comprehensive Credit Reform Act; provisions pertaining to consumer credit. Stefanik bill (no current bill number) amending FCRA to expand definition of active service members. Issues pertaining to consumer credit, buy now pay later lending, and credit reporting.

Client expense: $530,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 1270, Prohibit Auto Insurance Discrimination (PAID) Act H.R. 4277, Overdraft Protection Act of 2021 H.R. 5911, Fair Hiring in Banking Act S. 2417, Credit Access and Inclusion Act of 2021 S. 2508, Veterans and Consumers Fair Credit Act S. 3056, Prohibiting IRS Financial Surveillance Act S. 3755, Arbitration Fairness for Consumers Act Draft legislation titled Ensuring Diversity in Community Banking Act Draft legislation titled Expanding Opportunity for MDIs Act Draft legislation to create a government-run credit bureau at the Consumer Financial Protection Bureau Nomination of Sarah Bloom Raskin, Vice Chair for Supervision, Federal Reserve Proposed rule regarding reinstatement of HUDs discriminatory effects standard (86 Fed. Reg. 33,590-33,597, June 25, 2021) Various issues relating to structure and independence of the Consumer Financial Protection Bureau; artificial intelligence and machine learning; FinCEN proposed rule on Beneficial Ownership Reporting Requirements; proposed Interagency Guidance on Third-Party Relationships: Risk Management; Department of Treasury proposal that would require financial institutions to report to the IRS on the deposits and withdrawals of all business and personal accounts, as well as transfers between accounts of the same owner; DOJ Bank Merger Competitive Analysis; OCC Request for Feedback on Principles for Climate-Related Financial Risk Management for Large Banks; FinCEN RFI on Review of Bank Secrecy Act Regulations and Guidance; Basel Committee on Banking Supervision Principles for the Effective Management and Supervision of Climate-Related Financial Risks; rulemaking to implement Section 1071 of the Dodd-Frank Wall Street Reform and Consumer Protection Act

Client expense: $18,660,000 · Firm income: Not reported

H.R. 935, Small Business Mergers, Acquisitions, Sales, and Brokerage Simplification Act of 2021 H.R. 1087, Shareholder Political Transparency Act of 2021 H.R. 1187, Corporate Governance Improvement and Investor Protection Act H.R. 1277/S. 374, Improving Corporate Governance Through Diversity Act of 2021 H.R. 1602, Eliminate Barriers to Innovation Act of 2021 H.R. 2025/S. 840, To amend title 28, United States Code, to increase transparency and oversight of third-party litigation funding in certain actions, and for other purposes H.R. 2516, Promoting Diversity and Inclusion in Banking Act of 2021 H.R. 2543, Federal Reserve Racial and Economic Equity Act H.R. 2547, Comprehensive Debt Collection Improvement Act H.R. 2570, Climate Risk Disclosure Act of 2021 H.R. 2620, Investor Choice Act of 2021 H.R. 3007, Disclosure of Tax Havens and Offshoring Act H.R. 3448, Helping Startups Continue to Grow Act H.R. 3454, Modernizing Disclosures for Investors Act H.R. 4277, Overdraft Protection Act of 2021 H.R. 4345, Financial Services and General Government Appropriations Act, 2022 H.R. 4350, National Defense Authorization Act for Fiscal Year 2022 H.R. 4521, America Creating Opportunities for Manufacturing, Pre-Eminence in Technology, and Economic Strength (America COMPETES) Act of 2022, including provisions related to House Amendment 218 H.R. 4590, Promoting New and Diverse Depository Institutions Act H.R. 4616, Adjustable Interest Rate (LIBOR) Act of 2021 H.R. 4773, Consumer Financial Protection Commission Act H.R. 5586/S. 3056, Prohibiting IRS Financial Surveillance Act H.R. 5648/S. 3022, Stop Wall Street Looting Act H.R. 5910, Holding SPACs Accountable Act of 2021 H.R. 5911, Fair Hiring in Banking Act S. 479, Lifting Our Communities through Advance Liquidity for (LOCAL) Infrastructure Act S. 2417, Credit Access and Inclusion Act of 2021 S. 2508, Veterans and Consumers Fair Credit Act S. 2621, Modernization of Derivatives Tax Act of 2021 S. 3410, The Consumer Protection and Due Process Act S. 3755, Arbitration Fairness for Consumers Act S. 3844, Economic Continuity and Stability Act S. 3914, Developing and Empowering our Aspiring Leaders Act of 2022 Potential legislation to foster economic growth and job creation through capital formation Potential legislation to further economic growth through environmental, social, and governance factors Potential legislation to speed up the timeline of the Holding Foreign Companies Accountable Act Potential legislation to enshrine SEC threshold ownership requirements for shareholder proposals Potential legislation to require the SEC to study barriers in accessing capital for minority entrepreneurs Potential legislation to expressing a sense of Congress reaffirming the Supreme Court materiality standard Nomination of Sarah Bloom Raskin to Serve as Vice Chair for Supervision of the Federal Reserve Board of Governors Proposed rule regarding SEC Enhanced Reporting of Proxy Votes by Registered Management Investment Companies; Reporting of Executive Compensation Votes by Institutional Investment Managers Proposed Rule (86 Fed. Reg. 57,478-57,524, October 15, 2021) Proposed rule regarding SEC Reporting of Securities Loans (86 Fed. Reg. 69,802-69.853, December 8, 2021) Proposed rule regarding Position Reporting of Large Security-Based Swap Positions (87 Fed. Reg. 6,652-6,706, December 15, 2021) SEC Money Market Fund Reforms (86 Fed. Reg. 7,248, December 15, 2021) Proposed rules regarding amendments to Form PF (87 FR 9,106-9,235, January 26, 2022) Request for Information on "Review of Bank Secrecy Act Regulations and Guidance, Financial Crimes Enforcement Network (FinCEN); (86 Fed. Reg. 71,201-71,207, December 15, 2021) Reopening of Comment Period for Pay Versus Performance Proposed Rule, Securities and Exchange Commission; (87 Fed. Reg. 5,751-5,759, February 2, 2022) Request for Information Regarding Fees Imposed by Providers of Consumer Financial Products or Services, Consumer Financial Protection Bureau; (87 Fed. Reg. 5,801-5,803, February 2, 2022) Various issues relating to SEC Best Interest and Enhancing Investment Adviser Regulation relating to broker-dealers, registered investment advisers, conflicts of interest; potential federal preemption of state fiduciary standards; Public Company Accounting Oversight Board (PCAOB); CFTCs de minimis Exception for Swap Dealers; CFPB regulatory sandbox for disclosures; Securities and Exchange Commission amendments to the Commissioners whistleblower rules file no. S7-16-18; proxy process, proxy advisory firms, and other related aspects of corporate governance; corporate common ownership; adoption of the current expected credit loss (CECL) accounting standard; role of credit reporting agencies (CRAs) in the U.S. economy; debt collection practices (regulation F) under the Fair Debt Collection Practices Act (P.L. 95-109); qualified mortgage definition under the Truth in Lending Act (P.L. 90-321) (Regulation Z); Financial Stability Oversight Council and the designation of Nonbank Financial Firms as systemically important; Federal Reserve Systems Large Institution Supervision Coordinating Committee; potential housing finance reform legislation; enforcement of Securities and Exchange Commission penalties; potential repeal of the State and Local Tax (SALT) Cap; federal interest rate authority; Anti-Money Laundering (AML) and Bank Secrecy Act (BSA) reform; electronic consent-based SSN Verification Service (eCBSV); environmental, social, and governance (ESG) enforcement; information Collection under the Community Reinvestment Act (CRA); potential Financial Transaction Tax (FTT); potential Treasury Department proposal relating to tax reporting by banks; investment company cross trading; potential money market fund reform measures; resolutions to establish task forces on Artificial Intelligence and Financial Technology in the House Committee on Financial Services; transition to the secured overnight financing rate; implementation of SEC Rule 15c2-11; Department of Labor fiduciary advice exemption: PTE 2020-02; benefits of risk-based pricing; mobile disclosures; Federal Trade Commission issues: Freedom of Information Act Requests, Penalty Offense Authority, Zombie Voting, and overall direction of the Commission under Chair Lina Khan; Tax Reporting Proposal by the Department of the Treasury related to a $600 or more annual account threshold; Amendment to the FY22 National Defense Authorization Act related to credit reporting; Climate-Related Financial Risk Management for Large Banks; House Committee on Financial Services request for information related to Russia sanctions; EU sustainable finance action plan and incorporating ESG factors into financial services; EU review of Alternative Investment Fund Managers Directive; EU review of prudential regime for investment firms; implementation and enforcement of Regulation Best Interest by the Securities and Exchange Commission; changes in the enforcement policies of the Securities and Exchange Commission; activity of the Financial Stability Oversight Council and recommendations on macro-prudential regulation; clarification in the regulatory treatment of digital assets by the Securities and Exchange Commission and the Commodity Futures Trading Commission; implementation and enforcement of SEC 14a-8 shareholder proposal process reforms finalized in 2020; EU Money Market Fund Regulation, legislative review; electronic delivery of certain investment documents and disclosures; implementation of beneficial ownership reporting requirements under the National Defense Authorization Act FY2021 (P.L. 116-283); implementation of the Social Security Administrations Electronic Consent Based Social Security Number Verification System Service; Financial Stability Board recommendations on money market fund reform; IOSCO recommendations on sustainability-related practices, polices, procedures, and disclosure in asset management; Office of Financial Research (OFR) discussions on FSOC Report on Climate-Related Financial Risk; staff legal guidance at the SEC concerning no-action letters on shareholder proposals with broad societal impact (Staff Legal Bulletin 14L-CF); SEC reforms to regulations related to climate disclosures; SEC reforms to regulations related to Shareholder Proposals; SEC reforms to regulations related to Cybersecurity Disclosures; SEC reforms to regulations related to Human Capital Management Disclosures; SEC reforms to regulations related to Share Repurchase Disclosures; SEC reforms to regulations related to 10b5-1 Disclosure; SEC request for information on digital engagement practices; FinCEN Implementation of the Beneficial Ownership Requirements of the Corporate Transparency Act; SEC Reopening of Comment Period on Pay Versus Performance; SEC Proposed Rule Regarding Share Repurchase Disclosure Modernization; SEC Proposed Rule amending 10b5-1; Proposed Rule, Securities and Exchange Commission; Prohibition Against Fraud, Manipulation, or Deception in Connection with Security-Based Swaps, Prohibition against Undue Influence over Chief Compliance Officers, Position Reporting of Large Security-Based Swap Positions; Proposed Rule, Securities and Exchange Commission; Rule 10b5-1 and Insider Trading; Proposed Rule, Securities and Exchange Commission; Share Repurchase Disclosure Modernization; Proposed Rule, Securities and Exchange Commission; Proxy Voting Advice; Requesting an Extension of the Comment Period for the Securities and Exchange Commissions Private Fund Advisers Proposal; Proposed rule, Securities and Exchange Commission; Reporting of Securities Loans; third party litigation financing and lawsuit lending; cybersecurity risk management and incident reporting; enhancement and standardization of climate related disclosures to investors SEC regulation

Issues related to credit scores, including implementation of S.2155, the "Economic Growth, Regulatory Relief and Consumer Protection Act," and of H.R.748, the "Coronavirus Aid, Relief and Economic Security Act." S. 2417 Credit access and inclusion Act; S. 1838 - Building Credit Access for Veterans Act of 2021.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Legislative and regulatory issues pertaining to credit reporting and scoring, including H.R. 773, H.R. 1645, H.R. 2537, H.R. 2547, H.R. 4120, S. 214, and S. 2417.

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

Government targets: Consumer Financial Protection Bureau (CFPB), HOUSE OF REPRESENTATIVES, SENATE

Issues related to credit scoring; Use of alternative data to expand credit access; Implementation of PL 115-174, Economic Growth, Regulatory Relief and Consumer Protection Act (credit scores); Implementation of PL 116-136, Coronavirus Aid, Relief, and Economic Security (CARES) Act; Disaster Protection for Workers Credit Act; S. 1838, Building Credit Access for Veterans Act of 2021; S. 2417, Credit Access and Inclusion Act of 2021

Client expense: $180,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related credit reporting, financial services, technology, privacy, and cyber security; S. 2417, Credit Access and Inclusion Act of 2021; Credit reporting amendments to National Defense Authorization Act of 2022

Client expense: Not reported · Firm income: $50,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 935, Small Business Mergers, Acquisitions, Sales, and Brokerage Simplification Act of 2021 H.R. 1087, Shareholder Political Transparency Act of 2021 H.R. 1187, Corporate Governance Improvement and Investor Protection Act H.R. 1277/S. 374, Improving Corporate Governance Through Diversity Act of 2021 H.R. 1602, Eliminate Barriers to Innovation Act of 2021 H.R. 2025/S. 840, To amend title 28, United States Code, to increase transparency and oversight of third-party litigation funding in certain actions, and for other purposes H.R. 2072, Uyghur Forced Labor Disclosure Act H.R. 2516, Promoting Diversity and Inclusion in Banking Act of 2021 H.R. 2543, Federal Reserve Racial and Economic Equity Act H.R. 2547, Comprehensive Debt Collection Improvement Act H.R. 2570, Climate Risk Disclosure Act of 2021 H.R. 2620, Investor Choice Act of 2021 H.R. 3007, Disclosure of Tax Havens and Offshoring Act H.R. 3448, Helping Startups Continue to Grow Act H.R. 3454, Modernizing Disclosures for Investors Act H.R. 4277, Overdraft Protection Act of 2021 H.R. 4345, Financial Services and General Government Appropriations Act, 2022 H.R. 4350, National Defense Authorization Act for Fiscal Year 2022 H.R. 4590, Promoting New and Diverse Depository Institutions Act H.R. 4616, Adjustable Interest Rate (LIBOR) Act of 2021 H.R. 4773, Consumer Financial Protection Commission Act H.R. 5586/S. 3056, Prohibiting IRS Financial Surveillance Act H.R. 5648/S. 3022, Stop Wall Street Looting Act H.R. 5910, Holding SPACs Accountable Act of 2021 H.R. 5911, Fair Hiring in Banking Act S. 479, Lifting Our Communities through Advance Liquidity for (LOCAL) Infrastructure Act S. 2417, Credit Access and Inclusion Act of 2021 S. 2508, Veterans and Consumers Fair Credit Act S. 2621, Modernization of Derivatives Tax Act of 2021 S. 3410, The Consumer Protection and Due Process Act Potential legislation to foster economic growth and job creation through capital formation Potential legislation to further economic growth through environmental, social, and governance factors Potential legislation to speed up the timeline of the Holding Foreign Companies Accountable Act Potential legislation to enshrine SEC threshold ownership requirements for shareholder proposals Potential legislation to require the SEC to study barriers in accessing capital for minority entrepreneurs Potential companion legislation to H.R. 4616, Adjustable Interest Rate (LIBOR) Act of 2021 Nomination of Saule Omarova to serve as Comptroller of Currency Proposed rule regarding SEC Proxy Voting Advice Proposed Rule (86 Fed. Reg. 67,383-67,402, November 26, 2021) Proposed rule regarding SEC Enhanced Reporting of Proxy Votes by Registered Management Investment Companies; Reporting of Executive Compensation Votes by Institutional Investment Managers Proposed Rule (86 Fed. Reg. 57,478-57,524, October 15, 2021) Notice, Federal Reserve System, the Federal Deposit Insurance Corporation, and the Comptroller of the Currency; Proposed Interagency Guidance on Third-Party Relationships: Risk Management, (86 Fed. Reg. 38,182-38,204, July 19, 2021) Final rule regarding SEC Universal Proxy (86 Fed. Reg. 68,330-68,381, December 1, 2021) Various issues relating to SEC Best Interest and Enhancing Investment Adviser Regulation relating to broker-dealers, registered investment advisers, conflicts of interest; potential federal preemption of state fiduciary standards; Public Company Accounting Oversight Board (PCAOB); CFTCs de minimis Exception for Swap Dealers; CFPB regulatory sandbox for disclosures; Securities and Exchange Commission amendments to the Commissioners whistleblower rules file no. S7-16-18; proxy process, proxy advisory firms, and other related aspects of corporate governance; corporate common ownership; adoption of the current expected credit loss (CECL) accounting standard; role of credit reporting agencies (CRAs) in the U.S. economy; debt collection practices (regulation F) under the Fair Debt Collection Practices Act (P.L. 95-109); qualified mortgage definition under the Truth in Lending Act (P.L. 90-321) Regulation Z; Financial Stability Oversight Council and the designation of Nonbank Financial Firms as systemically important; Federal Reserve Systems Large Institution Supervision Coordinating Committee; potential housing finance reform legislation; enforcement of Securities and Exchange Commission penalties; potential repeal of the State and Local Tax (SALT) Cap; federal interest rate authority; Anti-Money Laundering (AML) and Bank Secrecy Act (BSA) reform; electronic consent-based SSN Verification Service (eCBSV); environmental, social, and governance (ESG) enforcement; information Collection under the Community Reinvestment Act (CRA); potential Financial Transaction Tax (FTT); potential Treasury Department proposal relating to tax reporting by banks; investment company cross trading; potential money market fund reform measures; resolutions to establish task forces on Artificial Intelligence and Financial Technology in the House Committee on Financial Services; transition to the secured overnight financing rate; implementation of SEC Rule 15c2-11; Department of Labor fiduciary advice exemption: PTE 2020-02; benefits of risk-based pricing; mobile disclosures; Federal Trade Commission issues: Freedom of Information Act Requests, Penalty Offense Authority, Zombie Voting, and overall direction of the Commission under Chair Lina Khan; Tax Reporting Proposal by the Department of the Treasury related to a $600 or more annual account threshold; Amendment to the FY22 National Defense Authorization Act related to credit reporting; EU sustainable finance action plan and incorporating ESG factors into financial services; EU review of Alternative Investment Fund Managers Directive; EU review of prudential regime for investment firms; implementation and enforcement of Regulation Best Interest by the Securities and Exchange Commission; changes in the enforcement policies of the Securities and Exchange Commission; activity of the Financial Stability Oversight Council and recommendations on macro-prudential regulation; clarification in the regulatory treatment of digital assets by the Securities and Exchange Commission and the Commodity Futures Trading Commission; implementation and enforcement of proxy advisory firm regulations finalized in 2020; implementation and enforcement of SEC 14a-8 shareholder proposal process reforms finalized in 2020; EU Money Market Fund Regulation, legislative review; electronic delivery of certain investment documents and disclosures; implementation of beneficial ownership reporting requirements under the National Defense Authorization Act FY2021 (P.L. 116-283); implementation of the Social Security Administrations Electronic Consent Based Social Security Number Verification System Service; Financial Stability Board recommendations on money market fund reform; IOSCO recommendations on sustainability-related practices, polices, procedures, and disclosure in asset management; Office of Financial Research (OFR) discussions on FSOC Report on Climate-Related Financial Risk; staff legal guidance at the SEC concerning no-action letters on shareholder proposals with broad societal impact (Staff Legal Bulletin 14L-CF); SEC request for information on climate disclosures; SEC Reforms to regulations related to Shareholder Proposals; SEC Reforms to regulations related to Cybersecurity Disclosures; SEC Reforms to regulations related to Human Capital Management Disclosures; SEC Reforms to Money Market Funds Regulations; SEC request for information on digital engagement practices; FinCEN Implementation of the Beneficial Ownership Requirements of the Corporate Transparency Act; potential legislation dealing with third party litigation financing and lawsuit lending

H.R. 4277, Overdraft Protection Act of 2021 H.R. 5911, Fair Hiring in Banking Act S. 2417, Credit Access and Inclusion Act of 2021 S. 2508, Veterans and Consumers Fair Credit Act S. 3056, Prohibiting IRS Financial Surveillance Act Draft legislation titled Ensuring Diversity in Community Banking Act Draft legislation titled Expanding Opportunity for MDIs Act Draft legislation to create a government-run credit bureau at the Consumer Financial Protection Bureau Nomination of Saule Omarova, Comptroller of the Currency, Office of the Comptroller of the Currency Proposed rule regarding reinstatement of HUDs discriminatory effects standard (86 Fed. Reg. 33,590-33,597, June 25, 2021) Various issues relating to structure and independence of the Consumer Financial Protection Bureau; artificial intelligence and machine learning; FinCEN proposed rule on Beneficial Ownership Reporting Requirements; proposed Interagency Guidance on Third-Party Relationships: Risk Management; Department of Treasury proposal that would require financial institutions to report to the IRS on the deposits and withdrawals of all business and personal accounts, as well as transfers between accounts of the same owner

Client expense: $19,560,000 · Firm income: Not reported

S. 2417, Credit Access and Inclusion; provisions pertaining to consumer credit, alternative data and financial inclusion HR 4120, Comprehensive Credit Reform Act; provisions pertaining to consumer credit Issues pertaining to consumer credit.

Client expense: $390,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Legislative and regulatory issues pertaining to credit reporting and scoring, including H.R. 1645, H.R. 2332, H.R. 2537, H.R. 3439, H.R. 4120, H.R. 4350, and S. 2417.

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

Government targets: Consumer Financial Protection Bureau (CFPB), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), SENATE

Issues related to credit scores, including implementation of S.2155, the "Economic Growth, Regulatory Relief and Consumer Protection Act," and of H.R.748, the "Coronavirus Aid, Relief and Economic Security Act." S. 2417 Credit access and inclusion Act; S. 1838 - Building Credit Access for Veterans Act of 2021.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 935, Small Business Mergers, Acquisitions, Sales, and Brokerage Simplification Act of 2021 H.R. 1087, Shareholder Political Transparency Act of 2021 H.R. 1187, Corporate Governance Improvement and Investor Protection Act H.R. 1277/S. 374, Improving Corporate Governance Through Diversity Act of 2021 H.R. 1602, Eliminate Barriers to Innovation Act of 2021 H.R. 2025/S. 840, To amend title 28, United States Code, to increase transparency and oversight of third-party litigation funding in certain actions, and for other purposes H.R. 2516, Promoting Diversity and Inclusion in Banking Act of 2021 H.R. 2543, Federal Reserve Racial and Economic Equity Act H.R. 2547, Comprehensive Debt Collection Improvement Act H.R. 2570, Climate Risk Disclosure Act of 2021 H.R. 3007, Disclosure of Tax Havens and Offshoring Act H.R. 3412, Alleviating Stress Test Burdens to Help Investors Act H.R. 3448, Helping Startups Continue to Grow Act H.R. 3454, Modernizing Disclosures for Investors Act H.R. 4345, Financial Services and General Government Appropriations Act, 2022 H.R. 4350, National Defense Authorization Act for Fiscal Year 2022 H.R. 4590, Promoting New and Diverse Depository Institutions Act H.R. 4616, Adjustable Interest Rate (LIBOR) Act of 2021 H.R. 4773, Consumer Financial Protection Commission Act S. 479, Lifting Our Communities through Advance Liquidity for (LOCAL) Infrastructure Act S. 2417, Credit Access and Inclusion Act of 2021 S. 2508, Veterans and Consumers Fair Credit Act S.J. Res. 15, A 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" Potential legislation to foster economic growth and job creation through capital formation Nomination of Saule Omarova to serve as Comptroller of Currency Request for Information on Monitoring Availability and Affordability of Auto Insurance; Assessing the Potential Evolution of the Auto Insurance Market (86 Fed. Reg. 28,681 - 28,683, May 27, 2021) Request for Comment, Agency Information Collection Activities (86 Fed. Reg. 43,999 - 44,000, August 11, 2021) Various issues relating to SEC Best Interest and Enhancing Investment Adviser Regulation relating to broker-dealers, registered investment advisers, conflicts of interest; potential federal preemption of state fiduciary standards; Public Company Accounting Oversight Board (PCAOB); CFTCs de minimis Exception for Swap Dealers; CFPB regulatory sandbox for disclosures; Securities and Exchange Commission amendments to the Commissioners whistleblower rules file no. S7-16-18; proxy process, proxy advisory firms, and other related aspects of corporate governance; corporate common ownership; adoption of the current expected credit loss (CECL) accounting standard; role of credit reporting agencies (CRAs) in the U.S. economy; debt collection practices (regulation F) under the Fair Debt Collection Practices Act (P.L. 95-109); qualified mortgage definition under the Truth in Lending Act (P.L. 90-321) Regulation Z; Financial Stability Oversight Council and the designation of Nonbank Financial Firms as systemically important; Federal Reserve Systems Large Institution Supervision Coordinating Committee; potential housing finance reform legislation; enforcement of Securities and Exchange Commission penalties; potential repeal of the State and Local Tax (SALT) Cap; federal interest rate authority; Anti-Money Laundering (AML) and Bank Secrecy Act (BSA) reform; electronic consent-based SSN Verification Service (eCBSV); environmental, social, and governance (ESG) enforcement; information Collection under the Community Reinvestment Act (CRA); potential Financial Transaction Tax (FTT); potential Treasury Department proposal relating to tax reporting by banks; investment company cross trading; potential money market fund reform measures; resolutions to establish task forces on Artificial Intelligence and Financial Technology in the House Committee on Financial Services; transition to the secured overnight financing rate; implementation of SEC Rule 15c2-11; Department of Labor fiduciary advice exemption: PTE 2020-02; benefits of risk-based pricing; SEC request for information on climate disclosures; SEC Reforms to regulations related to Proxy Advice; SEC Reforms to regulations related to Proxy Voting; SEC Reforms to regulations related to Shareholder Proposals; SEC Reforms to Money Market Funds Regulations; SEC implementation of Rule 15c2-11; SEC request for information on digital engagement practices; FinCEN Implementation of the Beneficial Ownership Requirements of the Corporate Transparency Act; EU sustainable finance action plan and incorporating ESG factors into financial services; EU review of Alternative Investment Fund Managers Directive; EU review of prudential regime for investment firms; implementation and enforcement of Regulation Best Interest by the Securities and Exchange Commission; changes in the enforcement policies of the Securities and Exchange Commission; activity of the Financial Stability Oversight Council and recommendations on macro-prudential regulation; clarification in the regulatory treatment of digital assets by the Securities and Exchange Commission and the Commodity Futures Trading Commission; implementation and enforcement of proxy advisory firm regulations finalized in 2020; implementation and enforcement of SEC 14a-8 shareholder proposal process reforms finalized in 2020; EU Money Market Fund Regulation, legislative review; electronic delivery of certain investment documents and disclosures; implementation of beneficial ownership reporting requirements under the National Defense Authorization Act FY 2021 (P.L. 116-283); implementation of the Social Security Administrations Electronic Consent Based Social Security Number Verification System Service; Financial Stability Board recommendations on money market fund reform; IOSCO recommendations on sustainability-related practices, polices, procedures, and disclosure in asset management; Office of Financial Research (OFR) discussions on FSOC Report on Climate-Related Financial Risk; potential legislation dealing with third party litigation financing and lawsuit lending

H.R. 2069, Home Loan Quality Transparency Act of 2021 H.R. 2543, Federal Reserve Racial and Economic Equity Act S. 2417, Credit Access and Inclusion Act of 2021 S. 2508, Veterans and Consumers Fair Credit Act Draft legislation titled Ensuring Diversity in Community Banking Act Draft legislation titled Expanding Opportunity for MDIs Act Draft legislation titled Resolution of Disapproval on HUDs Disparate Impact Rule Draft Legislation, to amend Section 19 of the Federal Deposit Insurance Act Draft legislation to create a government-run credit bureau at the Consumer Financial Protection Bureau Nomination of Saule Omarova, Comptroller of the Currency, Office of the Comptroller of the Currency Proposed rule regarding reinstatement of HUDs discriminatory effects standard (86 Fed. Reg. 33,590-33,597, June 25, 2021) Advanced Notice of Proposed Rulemaking regarding implementation of Section 1033 of the Dodd-Frank Act (85 Fed. Reg. 71003-71011, February 4, 2021) Various issues relating to structure and independence of the Consumer Financial Protection Bureau; artificial intelligence and machine learning; Department of Treasury proposal that would require financial institutions to report to the IRS on the deposits and withdrawals of all business and personal accounts, as well as transfers between accounts of the same owner

Client expense: $16,360,000 · Firm income: Not reported