Stop Senior Scams Act

Issues related to data breach, data security and privacy; S.337 - Stop Senior Scams Act, issues related to education regarding financial scams targeted at senior citizens; issues related to Dodd-Frank Act and provisions dealing with debit card interchange regulations

Client expense: $250,000 · Firm income: Not reported

Government targets: Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, SENATE

Issues related to Federal Credit Union Charter Modernization Issues related to credit union operations Issues related to credit union field of membership Issues related to credit union service organization Issues related to NCUA's low income designation regulation Issues related to NCUA examination procedures Issues related to NCUA's regulation regarding liquidity Issues related to NCUA's rulemaking process Issues related to NCUA's regulatory review process Issues related to Federal Credit Union Bylaws Issues related to credit union loan maturity restrictions Issues related to credit union investment authority Issues related to Regulation of Federal Credit Union By-Laws Issues related to credit unions' incidental powers Issues related to credit union service to marijuana businesses Issues related to material loss reports of the NCUA Office of Inspector General Issues related to the regulation of corporate credit unions Issues related to fixed assets Issues related to credit union conversions Issues related to credit union call report modernization Issues related to NCUA's Corporate Credit Union Stabilization Plan Issues related to NCUA's budget and the overhead transfer rate Issues related to Credit Union Service Organizations (CUSO) Issues related to the authority of the CFPB to exempt credit unions from its rulemaking Issues related to the CFPB rule to remittances and international wire transfers Issues related to CFPB's Leadership structure and Installing a Board rather than a Director Issues related to codifying the CFPB's Credit Union Advisory Council Issues related to requiring SBREFA Panels for CFPB Rulemakings Issues related to overdraft protection and check ordering practices Issues related to mortgage servicing Issues related to mortgage loan originator compensation and qualifications Issues related to the CFPB's rule regarding qualified mortgage / ability to repay Issues related to the CFPB's regulation on Home Mortgage Disclosure Act (Regulation C) Issues related to the CFPB's regulation on Truth-In-Lending Act / Real Estate Settlement Procedures Act Integrated Disclosures Issues related to the payday, vehicle title, and similar lending Issues related to short term lending products and advance deposit products Issues related to the CFPB's consumer complaint database Issues related to the CFPB's consumer complaint database Issues related to the Department of Justice's investigation entitled, "Operation Choke Point" Issues related to indirect auto lending Issues related to credit union service to unbanked and underbanked consumers Issues related to the Financial Accounting Standards Board (FASB) Issues related to data and cyber security Issues related to mobile banking and mobile payments Issues related to identity theft and fraud reduction Issues related to secure payments Issues related to merchant data breaches Issues related to the payments system and innovation Issues related to the Fed's implementation of same-day ACH Issues related to the Bank Secrecy Act and Currency Transaction Reporting Requirements Issues related to the oversight of the Federal Housing Administration Issues related to the USDA Rural Development Loan Program Issues related to the Federal Home Loan Bank System Issues related to membership eligibility in the Federal Home Loan Bank System Issues related to financial literacy Issues related to Housing Finance Reform Issues related to student lending Issues related to the Economic Growth and Regulatory Paperwork Reduction Act Process Issues related to retirement security Issues related to flood insurance Issues related to consumer's access to records Issues related to Interchange Fees Issues related to the Equal Credit Opportunity Act Issues related to the Fair Housing Act Issues related to the merger of credit unions Issues related to the Real Estate Settlement Procedures Act Issues related to Community Reinvestment Act Issues related to Regulation Z Issues related to Military Lending Act Issues related to Financial Technology Issues related to Small Business Lending Data Collection requirements Issues related to Involuntary liquidation of Federal Credit Unions and Claims Procedures Issues related to Web-Bases Quantitative Testing of Point of Sale / ATM Overdraft Disclosure Forms Issues related to residential appraisals Issues related to FHA appraisal certification Issues related to FHA and USDA Loan Modifications Issues related to Faster Payments Issues related to the Fair Credit Reporting Act Issues related to cooperative funding sources in federal appropriations legislation Issues related to regulation of debt collection activity Issues related to capital reform for credit unions Issues related to diversity and inclusion in Financial Services Issues related to Section 124 of the Federal Credit Union Act Issues related to the Consumer Financial Protection Bureau's No-Action Letters and the BCFP Product Sandbox Issues related to enterprise validation and approval of credit score models Issues related to the availability of Funds and Collection of Checks (Regulation CC) Issues related to arbitration clauses Issues related to SBA 7(a) loan program Issues related to financial institutions operating on military installations Issues related to postal banking Issues related to Telephone Consumer Protection Act Issues related to financial technology (FINTECH) Issues related to robocalls and the draft Declatory Ruling (the ruling) and Third Further Notice of Proposted Rulemaking (FNPRM) CG Docket No 17-59, WC Docket No. 17 - 97 Issues related to payday and small dollar lending Issues related to leases of non-excess property on military bases Issues related to Opportunity Zones Issues related to minority homeownership Issues related to the ability of Federal Credit unions to establish their own fiscal year Issues related to a requirement that Federal credit unions file certain information regarding loan officers Issues related to enhancing flexibility of Federal Credit Unions to schedule board meetings Issues related to removing certain outdated responsibilites of Federal credit union board of directors Issues related to permitting Federal credit unions to expel disruptive members for just cause without a vote Issues related to permitting balloting for conversions from state to federal charter and from federal to state charter to be conducted electronically Issues related to PACE Loans Issues related to minority depository insitutions Issues related to AI and cloud computing Issues related to the Consumer Online Privacy Rights Act Issues related to COVID-19 crisis response legislation Issues related to the Paycheck Protection Program Issues related to Taxi Medallion loans Issues related to QRM Risk Retection Review Issues related to NCUA's proposed rule on combination transactions Issues related to the regulation of credit unions as employers Issues related to liability protections for businesses Issues related to remote notary Issues related to digital identity legislation Issues related Paid Leave Payroll Tax Credits Issues related to Economic Impact Payments Issues related to Fed Accounts Issues related to the Federal Reserve's Main Street Lending Program Issues related to troubled debt restructuring Issues related to Prompt Corective Action requirements Issues related to NCUA subordinated debt rulemaking Issues related to Uniform Residential Loan Application Issues related to digitalization of money Issues related to electronic signatures on wire transfer documents Issues related to cybercriminal activity during COVID-19 Issues related to lender forebearance Issues related to Paycheck Protection Program forgiveness process Issues related to Agriculture Lending Issues related to OCC payment charters Issues related to the Student Empowerment and Financial Literacy Act Issues related to OCC National Bank and Savings Association Digital Activities Issues related to the treatment of certain COVID-19 Loss Mitigation options under RESPA (Reg X) Issues related to premium assessments by the National Credit Union Share Insurance Issues related to the proposed exclusion of PPP Loans from financial institution asset calculations Issues related to Section 4013 of the CARES Act Issues related to Section 4016 of the CARES Act Issues related tot he oversight of prudential regulators Issues related to PAL 1 Program Issues related to credit union asset size thresholds for regulatory compliance Issues related to NCUA MERIT examination system Issues related to NCUA Derivatives rulemaking Issues related to mortgage servicer assistance Issues related to Section 4022 of the CARES Act Issues related to the ability of NCUA to offer forbearance from Prompt Corrective Action Requirements Issues related to Temporarily Excluding Certain Low-Risk Assets from the Credit Union Net Worth Ratio Issues related to London Inter-Bank Offered Rate (LIBOR) Issues related to the regulation of Federal Employment Laws Issues related to the Office of Comptroller Charter Issues related to the Crypto Charter Issues related to the Solar Winds Data Breach Issues related to PPP Loan Necessity Questionnaires Issues related to SBA Economic Injury Disaster Loan Advances Issues related to Seasoned QM Loan Definitions Issues related to FHFA Strategic Plan for 2021-2024 Issues related to GSE Housing Goals Issues related to Member Business Lending Issues related to interest rate caps Issues related to Federal Housing Finance Agency's (FHFA) recapitalization plans Issues related to rental and mortgage payment assistance Issues related to BSA / AML Regulation Issues related to CECL Accounting requirements Issues related to climate control issues and effect on financial institutions Issues related to UDAAP guidance and requirements Issues related to risk-based capital requirements Issues related to NCUA's Communications and Transparency Issues related to Enterprise liquidity framework (FHFA) Issues related to the discussion draft of the Expanding Financial Access for Underserved Communities Act Issues related to the NCUA's Capitalization of Interest in Connection with Loan Workouts and Modifications Rulemaking Issues related to the Federal Reserve's proposed Regulation II Issues related to Capitalizing interest on consumer loans Issues related to Cryptocurrency Issues related to proposed postal banking pilot program Issues related to proposed new tax reporting requirements for financial institutions Issues related to the implementation of consumer financial protection laws Issues related to the safety and soundness regulations of credit unions Issues related to investment authority Issues related to BSA / AML regulation and Cannabis Banking Issues related to rate cap legislation and the Military Lending Act Issues related to credit card interchange fees and routing Issues related to FY22 National Defense Authorization Act Issues related to NCUA Central Liquidity Facility Issues related to Climate and Natural disaster risk management at regulated entities Issues related to PSPA / QM Conflict Issues related to CAMELS proposal Issues related to credit union coverage under GNMA rules Issues related to Cryptocurrency and digital assets Issues related to the re-nomination of Todd Harper to the NCUA Board Issues related to examining frameworks to address future pandemic risk Issues related to the NDAA rate cap proposals Issues related to the collection of checks and other items by Federal Reserve Banks and Funds Transfers through Fedwire Issues related to the potential modifications to the Federal Reserve policy on payment system risk Issues related to Small Business Bankruptcy Issues related to mortgage-backed securities insurance Issues related to the state of the rural economy Issues related to financial barriers to minority and women-owned businesses' involvement in infrastructure projects Issues related to the President's working group on financial market's report on stablecoins Issues related to economic impact of growing burden of medical debt Issues related to the Credit Union Employee and Member Safety Act in the FY2022 Omnibus Appropriations Act Issues related to the Interagency Task Force on Property Appraisal and Valuation Equity (PAVE) appraisals Issues related to the National Defense Authorization Act FY2023 Issues related to the Administration of the CDFI Fund Issues related to Central Bank Digital Currency Issues related to National Flood Insurance Program Reauthorization Issues related to Reg. II, Dodd Frank, Durbin Amendment, Section 107531 Issues related to G20 Rome Leaders Declaration Issues related to the United States Innovation and Competition Act of 2021 Issues related to Prompt Corrective Action: Earnings Retention Waivers and Net Worth Restoration Plans Issues related to Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of Human Trafficking Issues related to the Truth in Savings Act (TISA) and Part 707 of the NCUA Rules and Regulations Issues related to 40 Year Term Loan Modifications Issues related to data security and interchange fees Issues related to credit union loan maturity limits Issues related to credit union business lending caps Issues related to the administration of the CDFI Fund Issues related to the National Defense Authorization Act and Interchange fee issues Issues related to CDFI recertification applications Issues related to Protecting military service members and veterans from Financial scams and fraud Issues related to new consumer financial products and the impacts to workers Issues related to making the CFPB Accountable to Small Business Act Issues related to cyber incident notification requirements for Federally insured credit unions Issues related to ensuring responsible development of digital assets Issues related to the CFPB ensuring data aggregation services market is Fair, transparent and competitive H.J. Res 35, providing for Congressional disapproval under Chapter 8 of title 5, United States Code, of the rule submitted by the Office of the Comptroller of the Currency relating to "National Banks and Federal Savings Associations as Lenders" 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 the Currency relating to "National Banks and Federal Savings Associations as Lenders" H.R. 133, the Consolidated Appropriations Act (2020) H.R. 963, the Forced Arbitration Injustice Repeal (FAIR) Act H.R. 1319, American Rescue Plan Act of 2021 H.R. 1395, the Housing Financial Literacy Act of 2021 H.R. 1471, the Access to Credit for Small Businesses Impacted by the COVID-19 Crisis Act 0f 2021 H.R. 1996, Secure and Fair Enforcement (SAFE) Banking Act of 2021 H.R. 2040, the Financial Reporting Threshold Modernization Act H.R. 2311, To amend the Federal Credit Union Act to modernize certain processes regarding expulsion of credit union members for cause, and for other purposes H.R. 2471, the Consolidated Appropriations Act of 2022 H.R. 2547, the Comprehensive Debt Collection Improvement Act H.R. 3684, Infrastructure Investment and Jobs Act, Sec. 90005, Extension of enterprise guarantee fees H.R. 3958, Central Liquidity Facility Enhancement Act H.R. 3962, SECURE Notarization Act of 2021 H.R. 4277, Overdraft protection legislation H.R. 4495, the Down payment Toward Equity Act of 2021 H.R. 4773, the Consumer Financial Protection Commission Act H.R. 4905, Promoting New and Diverse Depository Institutions Act H.R. 5189, Member Business Loan Expansion Act H.R. 5206, Tax Gap Reform and IRS Enforcement Act H.R. 5305, Extending Government Funding and Delivering Emergency Assistance Act H.R. 5451, Protecting Financial Privacy Act of 2021 H.R. 5912, the Close the ILC Loophole Act H.R. 6889, Credit Union Board Modernization Act H.R. 7003, Expanding Financial Access to Underserved Communities Act H.R. 7022, the Strengthening Cyber-Security for the Financial Sector Act H.R. 7733, the CDFI Bond Guarantee Program Improvement Act of 2022 H.R. 7900, SAFE Banking, amendment #983 by Representative Beatty (OH), Amendment #543 offered by Representatives Dean (PA), Armstrong (ND), Perlmutter (CO),Reschenthalter (PA) and Escobar (TX) H.R. 8152, American Data Privacy and Protection Act H.R. 8294, the Transportation, Housing and Urban development, Agriculture, Rural development, Energy and Water Development, Financial Services and General Government, Interior, Environment, Military Construction, and Veterans affairs Appropriations Act of Fiscal Year 2023 H.R. 8485, the Expanding Access to Credit through Consumer-Permissioned Data Act S. 254, A bill to establish a Homeowner Assistance Fund at the Department of the Treasury S. 337, Stop Senior Scams Act S. 762, A bill to provide the National Credit Union Administration Board flexibility to increase Federal credit union loan maturities, and for other purposes S. 910, SAFE Banking Act of 2021 S. 1368, American Housing and Economic Mobility Act of 2021 S. 1625, Securing and Enabling Commerce Using Remote and Electronic Notarization Act S. 1767, the Credit Union Employee and Member Safety Act of 2021 S. 2857, Protection Financial Privacy Act of 2021 S. 3715, E-SIGN Modernization Act of 2022 S. 3813, Veterans Member Business Loan Act S. 4325, Credit Union Board Modernization S. 4356, The Responsible Financial Innovation Act S. 4676, Credit Card Competition Act of 2022 S. 4698, Improving Cybersecurity of Credit Unions Act S. 4879, Expanding Financial Access for Underserved Communities Act S. Amendment 6174, National Defense Authorization Act, Report on Credit and Debit Card

General lobbying on the following issue areas: Section 224 of the Communications Act (House and Senate); net neutrality (House and Senate); oversight of the Federal Communications Commission (House and Senate); privacy (House and Senate); cybersecurity (House and Senate); robocalling (House and Senate); broadband infrastructure (House and Senate); broadband deployment (House and Senate); broadband mapping (House and Senate); Internet of things (IoT) (House and Senate); and number portability (House and Senate). Specific lobbying on the following bills: H.R. 205 Accelerating Broadband Connectivity Act of 2021; H.R. 341 Ensuring Telehealth Expansion Act of 2021; H.R. 366 Protecting Access to Post-COVID-19 Telehealth Act of 2021; H.R. 476 Innovation Centers Acceleration Act; H.R. 596 ACCESS Act; H.R. 651 Public Health Emergency Privacy Act; H.R. 678 PHONE Act of 2021; H.R. 688 Equal Access to Care Act; H.R. 781 Veterans Telecommunication Protection Act; H.R. 869 RISE Act of 2021; H.R. 870 National Broadband Plan for the Future Act of 2021; H.R. 937 Tech To Save Moms Act; H.R. 981 IoT Readiness Act of 2021; H.R. 994 Justice is Not For Sale Act of 2021; H.R. 1032 Telecommunications Skilled Workforce Act; H.R. 1039 Coastal Broadband Deployment Act; H.R. 1042 Protecting Critical Infrastructure Act; H.R. 1043 Proportional Reviews for Broadband Deployment Act; H.R. 1044 Broadband MAPS Act; H.R. 1045 Broadband Resiliency and Flexible Investment Act; H.R. 1046 Federal Broadband Deployment in Unserved Areas Act; H.R. 1049 Expediting Federal Broadband Deployment Reviews Act; H.R. 1050 Connecting Communities Post Disasters Act of 2021; H.R. 1051 BROADBAND Leadership Act; H.R. 1053 TRUSTED Broadband Networks Act; H.R. 1055 Federal Broadband Deployment Tracking Act; H.R. 1056 Wireless Broadband Competition and Efficient Deployment Act; H.R. 1058 Wireless Resiliency and Flexible Investment Act; H.R. 1060 WIRELESS Leadership Act; H.R. 1067 Standard FEES Act; H.R. 1069 Streamlining Permitting to Enable Efficient Deployment of Broadband Infrastructure Act of 2021; H.R. 1073 Wildfire Wireless Resiliency Act; H.R. 1074 RAPID Act; H.R. 1084 Brownfields Broadband Deployment Act; H.R. 1103 CABLE Competition Act; H.R. 1141 Broadband Competition and Efficient Deployment Act; H.R. 1149 CONNECT Act; H.R. 1155 Uyghur Forced Labor Prevention Act; H.R. 1156 Facilitating DIGITAL Applications Act; H.R. 1215 Fraud and Scam Reduction Act; H.R. 1218 Data Mapping to Save Moms Lives Act; H.R. 1250 Emergency Reporting Act; H.R. 1334 DISCLOSE Act of 2021; H.R. 1362 BOOST Act; H.R. 1406 COVID-19 Emergency Telehealth Impact Reporting Act of 2021; H.R. 1555 To require the Federal Communications Commission to issue final rules to promote and incentivize the widespread adoption of broadband consumer labels and for other purposes; H.R. 1590 - Tribal Internet Expansion Act of 2021; H.R. 1700 To establish a broadband infrastructure finance and innovation program to make available loans loan guarantees and lines of credit for the construction and deployment of broadband infrastructure and for other purposes; H.R. 1714 - Speedy Updates Act of 2021; H.R. 1721 - To amend the Consolidated Appropriations Act of 2021 to authorize additional funds for the Emergency Broadband Connectivity Fund, to provide grants to states and tribal entities to strengthen the National Lifeline Eligibility Verifier, to provide federal coordination between the National Lifeline Eligibility Verifier and the National Accuracy Clearinghouse; H.R. 1783 - Accessible, Affordable Internet for All Act; H.R. 1833 -- To amend the Homeland Security Act of 2002 to provide for the responsibility of the Cybersecurity and Infrastructure Security Agency to maintain capabilities to identify threats to industrial control systems, and for other purposes; H.R. 1841 - Digital Equality Act of 2021; H.R. 1848 -- LIFT America Act; H.R. 2183 To amend the Communications Act of 1934 to provide funding to States for extending broadband service to unserved areas in partnership with broadband service providers and for other purposes; H.R. 2398 Broadband Speed Act; H.R. 2400 - To allow Rural Utilities Service telecommunications grants to be made for the collection of broadband infrastructure data by local governments, economic development or other community organizations, electric or telephone cooperatives, and small Internet providers; H.R. 2471 - Consolidated Appropriations Act of 2022; H.R. 2501 - Spectrum Coordination Act; H.R. 2524 - Promoting Access to Broadband Act of 2021; H.R. 2665 - Local Telecom Expansion Act of 2021; H.R. 2666 - NO CAP Act; H.R. 2667 - Broadband Equipment Rental Reform Act; H.R. 2685 - Understanding Cybersecurity and Mobile Networks Act; H.R. 2731 - Endless Frontier Act; H.R. 3003 - Promoting United States Wireless Leadership Act; H.R. 3346 - No Rate Regulation of Broadband Internet Access Act; H.R. 3369 - Broadband for Rural America Act; H.R. 3370 - To streamline broadband permitting process for broadband services, and for other purposes; H.R. 3376 - Expanding Opportunities for Broadband Deployment Act; H.R. 3435 - American Broadband Act; H.R. 3654 - To expand access to electromagnetic spectrum for the provision of broadband service in rural areas, and for other purposes; H.R. 4029 - To amend the NTIA Organization Act to establish an interagency national security review process, and for other purposes; H.R. 4046 - NIA Policy and Cybersecurity Coordination Act; H.R. 4055 - American Cybersecurity Literacy Act; H.R. 4329 - To amend the Rural Electrification Act of 1936 to improve access to broadband telecommunications services in rural areas, including by encouraging the provision of broadband loans and grants to increase broadband service in rural ports, and for other purposes; H.R. 4350 - National Defense Authorization Act for FY 2022; H.R. 4374 - Broadband Internet Connections for Rural America Act; H.R. 4383 - RURAL Broadband Act of 2021; H.R. 4480 - Telehealth Coverage and Payment Parity Act; H.R. 4521 - American COMPETES Act of 2022; H.R. 4656 - Extending Tribal Broadband Priority Act; H.R. 4659 - BROWSER Act of 2021; H.R. 4663 -- SUCCESS Act; H.R. 4825 - 21st Century Broadband Deployment Act; H.R. 4905 - Big Tech Accountability for Broadband Act; H.R. 4918 -- Rural Telehealth Expansion Act; H.R. 5058 - Broadband Incentives for Communities Act; H.R. 5440 - Cyber Incident Reporting for Critical Infrastructure Act of 2021; H.R. 5486 - SMART Act; H.R. 5506 - Rural Telehealth Access Task Force Act; H.R. 5512 - RURAL Broadband Mapping Act; H.R. 5871 - American Telecommunications Security Act; H.R. 6314 - Reforming Broadband Connectivity Act of 2021; H.R. 7060 - Connect Unserved Americans Act of 2022; H.R. 7112 - Internet Exchange Act of 2022; H.R. 7116 - 9-8-8 Implementation Act of 2022; H.R. 7900 - National Defense Authorization Act for FY 2023; H.R. 8152 - American Data Privacy and Protection Act; S. 113 BROWSER Act of 2021; S. 120 Safe Connections Act of 2021; S. 163 Telecommunications Skilled Workforce Act; S. 198 Data Mapping to Save Moms' Lives Act; S. 279 National Broadband Plan for the Future Act of 2021; S. 326 Measuring the Economic Impact of Broadband Act of 2021; S. 337 Stop Senior Scams Act; S. 390 Emergency Reporting Act; S. 436 American Broadband Buildout Act of 2021; S. 466 Kelsey Smith Act; S. 553 Government Spectrum Valuation Act; S. 592 Broadband Reserve Fund Act of 2021; S. 608 Keeping Critical Connections Act of 2021; S. 652 Moving FIRST Act; S. 724 A bill to require the Federal Communications Commission to make the provision of Wi-Fi access on school buses eligible for E-rate support; S. 741 Broadband Infrastructure Finance and Innovation Act of 2021; S. 745 Accessible Affordable Internet for All Act; S. 797 PACT Act; S. 922 A bill to amend the Communications Act of 1934 to provide funding to States for extending broadband service to unserved areas in partnership with broadband service providers and for other purposes; S. 944 A bill to amend the Communications Act of 1934 to establish a program to expand access to broadband in unserved and underserved areas and for other purposes; S. 979 A bill to amend the Consolidated Appropriations Act 2021 to authorize additional funds for the Emergency Broadband Connectivity Fund to provide grants to States and Tribal Entities to strengthen the National Lifeline Eligibility Verifier to provide for Federal coordination between the National Lifeline Eligibility Verifier and the National Accuracy Clearinghouse and for other purposes; S. 996 A bill to award grants to certain intuitions of higher education to educate and train students to participate in the telecommunications workforce; S. 1113 A bill to require Federal agencies to timely respond to right-of-way requests for the buildout of broadband service, and for other purposes; S. 1260 - United States Innovation and Competition Act of 2021; S. 1460 - Community Broadband Act of 2021; S. 1472 - Improving Spectrum Coordination Act of 2021; S. 1563 - Telecommunications Supply Chain Diversity Promotion Act; S. 1676 - Rural Broadband Financing Flexibility Act; S. 1695 - E-BRIDGE Act; S. 1884 - A bill to ensure that fixed broadband Internet access service assisted by and federal broadband support program meets a minimum level of service; S. 1885 - Rural Connectivity Advancement Program Act of 2021; S. 1908 - A bill to amend the Rural Electrification Act of 1936 to improve access to broadband telecommunications services in rural areas, including by encouraging the provision of broadband loans and grants to increase broadband service in rural ports and other purposes; S. 2018 - Digital Equity Act of 2021; S. 2071 - BRIDGE Act; S. 2407 - Cyber Incident Notification Act of 2021; S. 2427 - Fair Contribution Act; S. 2447 - SUCCESS Act; S. 2473 - Middle Mile Broadband Deployment Act; S. 2474 - American Telecommunications Security Act; S. 2668 - A bill to require the offices of the Office of Internet Connectivity and Growth at the National Telecommunications and Information Administration to provide assistance relating to broadband access; S. 2699 - American Cybersecurity Literacy Act; S. 2911 - American Broadband Buildout to Eliminate Americas Digital Divide Act of 2021; S. 2965 - A bill to require the Federal Communications Commission to study the current and projected demands of rural broadband networks associated with data transmission due to increased network usage; S. 2979 - NTIA Policy and Cybersecurity Coordination Act; S. 3014 - Next Generation Telecommunications Act; S. 3151 - Connected Rural Schools Act; S. 3236 - Reforming Broadband Connectivity Act of 2021; S. 3288 - NTIA Reauthorization and Reform Act of 2021; S. 3335 - Robocall Trace Back Enhancement Act; S. 3692 - NET Act; S. 3663 - Kids Online Safety Act; S. 3880 - SMART Copyright Act of 2022; and S. 4126 - Rural Broadband Protection Act of 2022.

No bill number. Discussed senior fraud issues. No bill number. Discussed 2023 Exam. No bill number. Discussed Regulation Best Interest implementation. S.3529/ H.R.5914 - Empowering States to Protect Seniors from Bad Actors Act of 2022 No bill number. Discussed Baby Bonds. No bill number. Discussed Emergency Savings. No bill number. Discussed Ediths bill reintroduction. H.R. 7923 - Investor Justice Act. H.R.2471 - Fraud and Scam Reduction Act. S. 337 - Stop Senior Scams Act. S. 349 - Senior Fraud Prevention Act. S.4145 - Consumer Protection Remedies Act of 2022. No bill number. Discussed scams targeting veterans.

Client expense: $3,400,000 · Firm income: Not reported

Issues related to Federal Credit Union Charter Modernization Issues related to credit union operations Issues related to credit union field of membership Issues related to credit union service organization Issues related to NCUA's low income designation regulation Issues related to NCUA examination procedures Issues related to NCUA's regulation regarding liquidity Issues related to NCUA's rulemaking process Issues related to NCUA's regulatory review process Issues related to Federal Credit Union Bylaws Issues related to credit union loan maturity restrictions Issues related to credit union investment authority Issues related to Regulation of Federal Credit Union By-Laws Issues related to credit unions' incidental powers Issues related to credit union service to marijuana businesses Issues related to material loss reports of the NCUA Office of Inspector General Issues related to the regulation of corporate credit unions Issues related to fixed assets Issues related to credit union conversions Issues related to credit union call report modernization Issues related to NCUA's Corporate Credit Union Stabilization Plan Issues related to NCUA's budget and the overhead transfer rate Issues related to Credit Union Service Organizations (CUSO) Issues related to the authority of the CFPB to exempt credit unions from its rulemaking Issues related to the CFPB rule to remittances and international wire transfers Issues related to CFPB's Leadership structure and Installing a Board rather than a Director Issues related to codifying the CFPB's Credit Union Advisory Council Issues related to requiring SBREFA Panels for CFPB Rulemakings Issues related to overdraft protection and check ordering practices Issues related to mortgage servicing Issues related to mortgage loan originator compensation and qualifications Issues related to the CFPB's rule regarding qualified mortgage / ability to repay Issues related to the CFPB's regulation on Home Mortgage Disclosure Act (Regulation C) Issues related to the CFPB's regulation on Truth-In-Lending Act / Real Estate Settlement Procedures Act Integrated Disclosures Issues related to the payday, vehicle title, and similar lending Issues related to short term lending products and advance deposit products Issues related to the CFPB's consumer complaint database Issues related to the CFPB's consumer complaint database Issues related to the Department of Justice's investigation entitled, "Operation Choke Point" Issues related to indirect auto lending Issues related to credit union service to unbanked and underbanked consumers Issues related to the Financial Accounting Standards Board (FASB) Issues related to data and cyber security Issues related to mobile banking and mobile payments Issues related to identity theft and fraud reduction Issues related to secure payments Issues related to merchant data breaches Issues related to the payments system and innovation Issues related to the Fed's implementation of same-day ACH Issues related to the Bank Secrecy Act and Currency Transaction Reporting Requirements Issues related to the oversight of the Federal Housing Administration Issues related to the USDA Rural Development Loan Program Issues related to the Federal Home Loan Bank System Issues related to membership eligibility in the Federal Home Loan Bank System Issues related to financial literacy Issues related to Housing Finance Reform Issues related to student lending Issues related to the Economic Growth and Regulatory Paperwork Reduction Act Process Issues related to retirement security Issues related to flood insurance Issues related to consumer's access to records Issues related to Interchange Fees Issues related to the Equal Credit Opportunity Act Issues related to the Fair Housing Act Issues related to the merger of credit unions Issues related to the Real Estate Settlement Procedures Act Issues related to Community Reinvestment Act Issues related to Regulation Z Issues related to Military Lending Act Issues related to Financial Technology Issues related to Small Business Lending Data Collection requirements Issues related to Involuntary liquidation of Federal Credit Unions and Claims Procedures Issues related to Web-Bases Quantitative Testing of Point of Sale / ATM Overdraft Disclosure Forms Issues related to residential appraisals Issues related to FHA appraisal certification Issues related to FHA and USDA Loan Modifications Issues related to Faster Payments Issues related to the Fair Credit Reporting Act Issues related to cooperative funding sources in federal appropriations legislation Issues related to regulation of debt collection activity Issues related to capital reform for credit unions Issues related to diversity and inclusion in Financial Services Issues related to Section 124 of the Federal Credit Union Act Issues related to the Consumer Financial Protection Bureau's No-Action Letters and the BCFP Product Sandbox Issues related to enterprise validation and approval of credit score models Issues related to the availability of Funds and Collection of Checks (Regulation CC) Issues related to arbitration clauses Issues related to SBA 7(a) loan program Issues related to financial institutions operating on military installations Issues related to postal banking Issues related to Telephone Consumer Protection Act Issues related to financial technology (FINTECH) Issues related to robocalls and the draft Declatory Ruling (the ruling) and Third Further Notice of Proposted Rulemaking (FNPRM) CG Docket No 17-59, WC Docket No. 17 - 97 Issues related to payday and small dollar lending Issues related to leases of non-excess property on military bases Issues related to Opportunity Zones Issues related to minority homeownership Issues related to the ability of Federal Credit unions to establish their own fiscal year Issues related to a requirement that Federal credit unions file certain information regarding loan officers Issues related to enhancing flexibility of Federal Credit Unions to schedule board meetings Issues related to removing certain outdated responsibilites of Federal credit union board of directors Issues related to permitting Federal credit unions to expel disruptive members for just cause without a vote Issues related to permitting balloting for conversions from state to federal charter and from federal to state charter to be conducted electronically Issues related to PACE Loans Issues related to minority depository insitutions Issues related to AI and cloud computing Issues related to the Consumer Online Privacy Rights Act Issues related to COVID-19 crisis response legislation Issues related to the Paycheck Protection Program Issues related to Taxi Medallion loans Issues related to QRM Risk Retection Review Issues related to NCUA's proposed rule on combination transactions Issues related to the regulation of credit unions as employers Issues related to liability protections for businesses Issues related to remote notary Issues related to digital identity legislation Issues related Paid Leave Payroll Tax Credits Issues related to Economic Impact Payments Issues related to Fed Accounts Issues related to the Federal Reserve's Main Street Lending Program Issues related to troubled debt restructuring Issues related to Prompt Corective Action requirements Issues related to NCUA subordinated debt rulemaking Issues related to Uniform Residential Loan Application Issues related to digitalization of money Issues related to electronic signatures on wire transfer documents Issues related to cybercriminal activity during COVID-19 Issues related to lender forebearance Issues related to Paycheck Protection Program forgiveness process Issues related to Agriculture Lending Issues related to OCC payment charters Issues related to the Student Empowerment and Financial Literacy Act Issues related to OCC National Bank and Savings Association Digital Activities Issues related to the treatment of certain COVID-19 Loss Mitigation options under RESPA (Reg X) Issues related to premium assessments by the National Credit Union Share Insurance Issues related to the proposed exclusion of PPP Loans from financial institution asset calculations Issues related to Section 4013 of the CARES Act Issues related to Section 4016 of the CARES Act Issues related tot he oversight of prudential regulators Issues related to PAL 1 Program Issues related to credit union asset size thresholds for regulatory compliance Issues related to NCUA MERIT examination system Issues related to NCUA Derivatives rulemaking Issues related to mortgage servicer assistance Issues related to Section 4022 of the CARES Act Issues related to the ability of NCUA to offer forbearance from Prompt Corrective Action Requirements Issues related to Temporarily Excluding Certain Low-Risk Assets from the Credit Union Net Worth Ratio Issues related to London Inter-Bank Offered Rate (LIBOR) Issues related to the regulation of Federal Employment Laws Issues related to the Office of Comptroller Charter Issues related to the Crypto Charter Issues related to the Solar Winds Data Breach Issues related to PPP Loan Necessity Questionnaires Issues related to SBA Economic Injury Disaster Loan Advances Issues related to Seasoned QM Loan Definitions Issues related to FHFA Strategic Plan for 2021-2024 Issues related to GSE Housing Goals Issues related to Member Business Lending Issues related to interest rate caps Issues related to Federal Housing Finance Agency's (FHFA) recapitalization plans Issues related to rental and mortgage payment assistance Issues related to BSA / AML Regulation Issues related to CECL Accounting requirements Issues related to climate control issues and effect on financial institutions Issues related to UDAAP guidance and requirements Issues related to risk-based capital requirements Issues related to NCUA's Communications and Transparency Issues related to Enterprise liquidity framework (FHFA) Issues related to the discussion draft of the Expanding Financial Access for Underserved Communities Act Issues related to the NCUA's Capitalization of Interest in Connection with Loan Workouts and Modifications Rulemaking Issues related to the Federal Reserve's proposed Regulation II Issues related to Capitalizing interest on consumer loans Issues related to Cryptocurrency Issues related to proposed postal banking pilot program Issues related to proposed new tax reporting requirements for financial institutions Issues related to the implementation of consumer financial protection laws Issues related to the safety and soundness regulations of credit unions Issues related to investment authority Issues related to BSA / AML regulation and Cannabis Banking Issues related to rate cap legislation and the Military Lending Act Issues related to credit card interchange fees and routing Issues related to FY22 National Defense Authorization Act Issues related to NCUA Central Liquidity Facility Issues related to Climate and Natural disaster risk management at regulated entities Issues related to PSPA / QM Conflict Issues related to CAMELS proposal Issues related to credit union coverage under GNMA rules Issues related to Cryptocurrency and digital assets Issues related to the re-nomination of Todd Harper to the NCUA Board Issues related to examining frameworks to address future pandemic risk Issues related to the NDAA rate cap proposals Issues related to the collection of checks and other items by Federal Reserve Banks and Funds Transfers through Fedwire Issues related to the potential modifications to the Federal Reserve policy on payment system risk Issues related to Small Business Bankruptcy Issues related to mortgage-backed securities insurance Issues related to the state of the rural economy Issues related to financial barriers to minority and women-owned businesses' involvement in infrastructure projects Issues related to the President's working group on financial market's report on stablecoins Issues related to economic impact of growing burden of medical debt Issues related to the Credit Union Employee and Member Safety Act in the FY2022 Omnibus Appropriations Act Issues related to the Interagency Task Force on Property Appraisal and Valuation Equity (PAVE) appraisals Issues related to the National Defense Authorization Act FY2023 Issues related to the Administration of the CDFI Fund Issues related to Central Bank Digital Currency Issues related to National Flood Insurance Program Reauthorization Issues related to Reg. II, Dodd Frank, Durbin Amendment, Section 107531 Issues related to G20 Rome Leaders Declaration Issues related to the United States Innovation and Competition Act of 2021 Issues related to Prompt Corrective Action: Earnings Retention Waivers and Net Worth Restoration Plans Issues related to Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of Human Trafficking Issues related to the Truth in Savings Act (TISA) and Part 707 of the NCUA Rules and Regulations Issues related to 40 Year Term Loan Modifications H.J. Res 35, providing for Congressional disapproval under Chapter 8 of title 5, United States Code, of the rule submitted by the Office of the Comptroller of the Currency relating to "National Banks and Federal Savings Associations as Lenders" 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 the Currency relating to "National Banks and Federal Savings Associations as Lenders" H.R. 133, the Consolidated Appropriations Act (2020) H.R. 963, the Forced Arbitration Injustice Repeal (FAIR) Act H.R. 1319, American Rescue Plan Act of 2021 H.R. 1395, the Housing Financial Literacy Act of 2021 H.R. 1471, the Access to Credit for Small Businesses Impacted by the COVID-19 Crisis Act 0f 2021 H.R. 1996, Secure and Fair Enforcement (SAFE) Banking Act of 2021 H.R. 2040, the Financial Reporting Threshold Modernization Act H.R. 2311, To amend the Federal Credit Union Act to modernize certain processes regarding expulsion of credit union members for cause, and for other purposes H.R. 2471, the Consolidated Appropriations Act of 2022 H.R. 2547, the Comprehensive Debt Collection Improvement Act H.R. 3684, Infrastructure Investment and Jobs Act, Sec. 90005, Extension of enterprise guarantee fees H.R. 3958, Central Liquidity Facility Enhancement Act H.R. 3962, SECURE Notarization Act of 2021 H.R. 4495, the Downpayment Toward Equity Act of 2021 H.R. 4773, the Consumer Financial Protection Commission Act H.R. 4905, Promoting New and Diverse Depository Institutions Act H.R. 5189, Member Business Loan Expansion Act H.R. 5206, Tax Gap Reform and IRS Enforcement Act H.R. 5305, Extending Government Funding and Delivering Emergency Assistance Act H.R. 5451, Protecting Financial Privacy Act of 2021 H.R. 5912, the Close the ILC Loophole Act H.R. 6889, Credit Union Board Modernization Act H.R. 7003, Expanding Financial Access to Underserved Communities Act H.R. 8152, American Data Privacy and Protection Act S. 254, A bill to establish a Homeowner Assistance Fund at the Department of the Treasury S. 337, Stop Senior Scams Act S. 762, A bill to provide the National Credit Union Administration Board flexibility to increase Federal credit union loan maturities, and for other purposes S. 910, SAFE Banking Act of 2021 S. 1368, American Housing and Economic Mobility Act of 2021 S. 1625, Securing and Enabling Commerce Using Remote and Electronic Notarization Act S. 1767, the Credit Union Employee and Member Safety Act of 2021 S. 2857, Protection Financial Privacy Act of 2021 S. 3715, E-SIGN Modernization Act of 2022 S. 3813, Veterans Member Business Loan Act S. 4325, Credit Union Board Modernization S. 4356, The Responsible Financial Innovation Act

Issues related to data breach, data security and privacy; S.337 - Stop Senior Scams Act, issues related to education regarding financial scams targeted at senior citizens; issues related to Dodd-Frank Act and provisions dealing with debit card interchange regulations

Client expense: $270,000 · Firm income: Not reported

Government targets: Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, SENATE

General lobbying on the following issue areas: Section 224 of the Communications Act (House and Senate); net neutrality (House and Senate); oversight of the Federal Communications Commission (House and Senate); privacy (House and Senate); cybersecurity (House and Senate); robocalling (House and Senate); broadband infrastructure (House and Senate); broadband deployment (House and Senate); broadband mapping (House and Senate); Internet of things (IoT) (House and Senate); and number portability (House and Senate). Specific lobbying on the following bills: H.R. 205 Accelerating Broadband Connectivity Act of 2021; H.R. 341 Ensuring Telehealth Expansion Act of 2021; H.R. 366 Protecting Access to Post-COVID-19 Telehealth Act of 2021; H.R. 476 Innovation Centers Acceleration Act; H.R. 596 ACCESS Act; H.R. 651 Public Health Emergency Privacy Act; H.R. 678 PHONE Act of 2021; H.R. 688 Equal Access to Care Act; H.R. 781 Veterans Telecommunication Protection Act; H.R. 869 RISE Act of 2021; H.R. 870 National Broadband Plan for the Future Act of 2021; H.R. 937 Tech To Save Moms Act; H.R. 981 IoT Readiness Act of 2021; H.R. 994 Justice is Not For Sale Act of 2021; H.R. 1032 Telecommunications Skilled Workforce Act; H.R. 1039 Coastal Broadband Deployment Act; H.R. 1042 Protecting Critical Infrastructure Act; H.R. 1043 Proportional Reviews for Broadband Deployment Act; H.R. 1044 Broadband MAPS Act; H.R. 1045 Broadband Resiliency and Flexible Investment Act; H.R. 1046 Federal Broadband Deployment in Unserved Areas Act; H.R. 1049 Expediting Federal Broadband Deployment Reviews Act; H.R. 1050 Connecting Communities Post Disasters Act of 2021; H.R. 1051 BROADBAND Leadership Act; H.R. 1053 TRUSTED Broadband Networks Act; H.R. 1055 Federal Broadband Deployment Tracking Act; H.R. 1056 Wireless Broadband Competition and Efficient Deployment Act; H.R. 1058 Wireless Resiliency and Flexible Investment Act; H.R. 1060 WIRELESS Leadership Act; H.R. 1067 Standard FEES Act; H.R. 1069 Streamlining Permitting to Enable Efficient Deployment of Broadband Infrastructure Act of 2021; H.R. 1073 Wildfire Wireless Resiliency Act; H.R. 1074 RAPID Act; H.R. 1084 Brownfields Broadband Deployment Act; H.R. 1103 CABLE Competition Act; H.R. 1141 Broadband Competition and Efficient Deployment Act; H.R. 1149 CONNECT Act; H.R. 1155 Uyghur Forced Labor Prevention Act; H.R. 1156 Facilitating DIGITAL Applications Act; H.R. 1215 Fraud and Scam Reduction Act; H.R. 1218 Data Mapping to Save Moms Lives Act; H.R. 1250 Emergency Reporting Act; H.R. 1334 DISCLOSE Act of 2021; H.R. 1362 BOOST Act; H.R. 1406 COVID-19 Emergency Telehealth Impact Reporting Act of 2021; H.R. 1555 To require the Federal Communications Commission to issue final rules to promote and incentivize the widespread adoption of broadband consumer labels and for other purposes; H.R. 1590 - Tribal Internet Expansion Act of 2021; H.R. 1700 To establish a broadband infrastructure finance and innovation program to make available loans loan guarantees and lines of credit for the construction and deployment of broadband infrastructure and for other purposes; H.R. 1714 - Speedy Updates Act of 2021; H.R. 1721 - To amend the Consolidated Appropriations Act of 2021 to authorize additional funds for the Emergency Broadband Connectivity Fund, to provide grants to states and tribal entities to strengthen the National Lifeline Eligibility Verifier, to provide federal coordination between the National Lifeline Eligibility Verifier and the National Accuracy Clearinghouse; H.R. 1783 - Accessible, Affordable Internet for All Act; H.R.1833 -- To amend the Homeland Security Act of 2002 to provide for the responsibility of the Cybersecurity and Infrastructure Security Agency to maintain capabilities to identify threats to industrial control systems, and for other purposes; H.R. 1841 - Digital Equality Act of 2021; H.R. 1848 -- LIFT America Act; H.R. 2183 To amend the Communications Act of 1934 to provide funding to States for extending broadband service to unserved areas in partnership with broadband service providers and for other purposes; H.R. 2398 Broadband Speed Act; H.R. 2400 - To allow Rural Utilities Service telecommunications grants to be made for the collection of broadband infrastructure data by local governments, economic development or other community organizations, electric or telephone cooperatives, and small Internet providers; H.R. 2471 - Consolidated Appropriations Act of 2022; H.R. 2501 - Spectrum Coordination Act; H.R. 2524 - Promoting Access to Broadband Act of 2021; H.R. 2665 - Local Telecom Expansion Act of 2021; H.R. 2666 - NO CAP Act; H.R. 2667 - Broadband Equipment Rental Reform Act; H.R. 2685 - Understanding Cybersecurity and Mobile Networks Act; H.R. 2731 - Endless Frontier Act; H.R. 3003 - Promoting United States Wireless Leadership Act; H.R. 3346 - No Rate Regulation of Broadband Internet Access Act; H.R. 3369 - Broadband for Rural America Act; H.R. 3370 - To streamline broadband permitting process for broadband services, and for other purposes; H.R. 3376 - Expanding Opportunities for Broadband Deployment Act; H.R. 3435 - American Broadband Act; H.R. 3654 - To expand access to electromagnetic spectrum for the provision of broadband service in rural areas, and for other purposes; H.R. 4029 - To amend the NTIA Organization Act to establish and interagency national security review process, and for other purposes; H.R. 4046 - NIA Policy and Cybersecurity Coordination Act; H.R. 4055 - American Cybersecurity Literacy Act; H.R. 4329 - To amend the Rural Electrification Act of 1936 to improve access to broadband telecommunications services in rural areas, including by encouraging the provision of broadband loans and grants to increase broadband service in rural ports, and for other purposes; H.R. 4350 - National Defense Authorization Act for FY 2022; H.R. 4374 - Broadband Internet Connections for Rural America Act; H.R. 4383 - RURAL Broadband Act of 2021; H.R. 4480 - Telehealth Coverage and Payment Parity Act; H.R. 4521 - American COMPETES Act of 2022; H.R. 4656 - Extending Tribal Broadband Priority Act; H.R. 4659 - BROWSER Act of 2021; H.R. 4663 -- SUCCESS Act; H.R. 4825 - 21st Century Broadband Deployment Act; H.R. 4905 - Big Tech Accountability for Broadband Act; H.R. 4918 -- Rural Telehealth Expansion Act; H.R. 5058 - Broadband Incentives for Communities Act; H.R. 5440 - Cyber Incident Reporting for Critical Infrastructure Act of 2021; H.R. 5486 - SMART Act; H.R. 5506 - Rural Telehealth Access Task Force Act; H.R. 5512 - RURAL Broadband Mapping Act; H.R. 5871 - American Telecommunications Security Act; H.R. 6314 - Reforming Broadband Connectivity Act of 2021; H.R. 7060 - Connect Unserved Americans Act of 2022; H.R. 7112 - Internet Exchange Act of 2022; S. 113 BROWSER Act of 2021; S. 120 Safe Connections Act of 2021; S. 163 Telecommunications Skilled Workforce Act; S. 198 Data Mapping to Save Moms' Lives Act; S. 279 National Broadband Plan for the Future Act of 2021; S. 326 Measuring the Economic Impact of Broadband Act of 2021; S. 337 Stop Senior Scams Act; S. 390 Emergency Reporting Act; S. 436 American Broadband Buildout Act of 2021; S. 466 Kelsey Smith Act; S. 553 Government Spectrum Valuation Act; S. 592 Broadband Reserve Fund Act of 2021; S. 608 Keeping Critical Connections Act of 2021; S. 652 Moving FIRST Act; S. 724 A bill to require the Federal Communications Commission to make the provision of Wi-Fi access on school buses eligible for E-rate support; S. 741 Broadband Infrastructure Finance and Innovation Act of 2021; S. 745 Accessible Affordable Internet for All Act; S. 797 PACT Act; S. 922 A bill to amend the Communications Act of 1934 to provide funding to States for extending broadband service to unserved areas in partnership with broadband service providers and for other purposes; S. 944 A bill to amend the Communications Act of 1934 to establish a program to expand access to broadband in unserved and underserved areas and for other purposes; S. 979 A bill to amend the Consolidated Appropriations Act 2021 to authorize additional funds for the Emergency Broadband Connectivity Fund to provide grants to States and Tribal Entities to strengthen the National Lifeline Eligibility Verifier to provide for Federal coordination between the National Lifeline Eligibility Verifier and the National Accuracy Clearinghouse and for other purposes; S. 996 A bill to award grants to certain intuitions of higher education to educate and train students to participate in the telecommunications workforce; S. 1113 A bill to require Federal agencies to timely respond to right-of-way requests for the build-out of broadband service, and for other purposes; S. 1260 - United States Innovation and Competition Act of 2021; S. 1460 - Community Broadband Act of 2021; S. 1472 - Improving Spectrum Coordination Act of 2021; S. 1563 - Telecommunications Supply Chain Diversity Promotion Act; S. 1676 - Rural Broadband Financing Flexibility Act; S. 1695 - BRIDGE Act; S. 1884 - A bill to ensure that fixed broadband Internet access service assisted by and federal broadband support program meets a minimum level of service; S. 1885 - Rural Connectivity Advancement Program Act of 2021; S. 1908 - A bill to amend the Rural Electrification Act of 1936 to improve access to broadband telecommunications services in rural areas, including by encouraging the provision of broadband loans and grants to increase broadband service in rural ports and other purposes; S. 2018 - Digital Equity Act of 2021; S. 2071 - BRIDGE Act; S. 2407 - Cyber Incident Notification Act of 2021; S. 2427 - Fair Contribution Act; S. 2447 - SUCCESS Act; S. 2473 - Middle Mile Broadband Deployment Act; S. 2474 - American Telecommunications Security Act; S. 2668 - A bill to require the offices of the Office of Internet Connectivity and Growth at the National Telecommunications and Information Administration to provide assistance relating to broadband access; S. 2699 - American Cybersecurity Literacy Act; S. 2911 - American Broadband Buildout to Eliminate Americas Digital Divide Act of 2021; S. 2965 - A bill to require the Federal Communications Commission to study the current and projected demands of rural broadband networks associated with data transmission due to increased network usage; S. 2979 - NTIA Policy and Cybersecurity Coordination Act; S. 3014 - Next Generation Telecommunications Act; S. 3151 - Connected Rural Schools Act; S. 3236 - Reforming Broadband Connectivity Act of 2021; S. 3288 - NTIA Reauthorization and Reform Act of 2021; S. 3335 - Robocall Trace Back Enhancement Act; S. 3692 - NET Act; S. 3663 - Kids Online Safety Act; and S. 3880 - SMART Copyright Act of 2022.

Issues related to data breach, data security and privacy; S.337 - Stop Senior Scams Act, issues related to education regarding financial scams targeted at senior citizens; issues related to Dodd-Frank Act and provisions dealing with debit card interchange regulations

Client expense: $690,000 · Firm income: Not reported

Government targets: Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, SENATE

Issues related to Federal Credit Union Charter Modernization Issues related to credit union operations Issues related to credit union field of membership Issues related to credit union service organization Issues related to NCUA's low income designation regulation Issues related to NCUA examination procedures Issues related to NCUA's regulation regarding liquidity Issues related to NCUA's rulemaking process Issues related to NCUA's regulatory review process Issues related to Federal Credit Union Bylaws Issues related to credit union loan maturity restrictions Issues related to credit union investment authority Issues related to Regulation of Federal Credit Union By-Laws Issues related to credit unions' incidental powers Issues related to credit union service to marijuana businesses Issues related to material loss reports of the NCUA Office of Inspector General Issues related to the regulation of corporate credit unions Issues related to fixed assets Issues related to credit union conversions Issues related to credit union call report modernization Issues related to NCUA's Corporate Credit Union Stabilization Plan Issues related to NCUA's budget and the overhead transfer rate Issues related to Credit Union Service Organizations (CUSO) Issues related to the authority of the CFPB to exempt credit unions from its rulemaking Issues related to the CFPB rule to remittances and international wire transfers Issues related to CFPB's Leadership structure and Installing a Board rather than a Director Issues related to codifying the CFPB's Credit Union Advisory Council Issues related to requiring SBREFA Panels for CFPB Rulemakings Issues related to overdraft protection and check ordering practices Issues related to mortgage servicing Issues related to mortgage loan originator compensation and qualifications Issues related to the CFPB's rule regarding qualified mortgage / ability to repay Issues related to the CFPB's regulation on Home Mortgage Disclosure Act (Regulation C) Issues related to the CFPB's regulation on Truth-In-Lending Act / Real Estate Settlement Procedures Act Integrated Disclosures Issues related to the payday, vehicle title, and similar lending Issues related to short term lending products and advance deposit products Issues related to the CFPB's consumer complaint database Issues related to the CFPB's consumer complaint database Issues related to the Department of Justice's investigation entitled, "Operation Choke Point" Issues related to indirect auto lending Issues related to credit union service to unbanked and underbanked consumers Issues related to the Financial Accounting Standards Board (FASB) Issues related to data and cyber security Issues related to mobile banking and mobile payments Issues related to identity theft and fraud reduction Issues related to secure payments Issues related to merchant data breaches Issues related to the payments system and innovation Issues related to the Fed's implementation of same-day ACH Issues related to the Bank Secrecy Act and Currency Transaction Reporting Requirements Issues related to the oversight of the Federal Housing Administration Issues related to the USDA Rural Development Loan Program Issues related to the Federal Home Loan Bank System Issues related to membership eligibility in the Federal Home Loan Bank System Issues related to financial literacy Issues related to Housing Finance Reform Issues related to student lending Issues related to the Economic Growth and Regulatory Paperwork Reduction Act Process Issues related to retirement security Issues related to flood insurance Issues related to consumer's access to records Issues related to Interchange Fees Issues related to the Equal Credit Opportunity Act Issues related to the Fair Housing Act Issues related to the merger of credit unions Issues related to the Real Estate Settlement Procedures Act Issues related to Community Reinvestment Act Issues related to Regulation Z Issues related to Military Lending Act Issues related to Financial Technology Issues related to Small Business Lending Data Collection requirements Issues related to Involuntary liquidation of Federal Credit Unions and Claims Procedures Issues related to Web-Bases Quantitative Testing of Point of Sale / ATM Overdraft Disclosure Forms Issues related to residential appraisals Issues related to FHA appraisal certification Issues related to FHA and USDA Loan Modifications Issues related to Faster Payments Issues related to the Fair Credit Reporting Act Issues related to cooperative funding sources in federal appropriations legislation Issues related to regulation of debt collection activity Issues related to capital reform for credit unions Issues related to diversity and inclusion in Financial Services Issues related to Section 124 of the Federal Credit Union Act Issues related to the Consumer Financial Protection Bureau's No-Action Letters and the BCFP Product Sandbox Issues related to enterprise validation and approval of credit score models Issues related to the availability of Funds and Collection of Checks (Regulation CC) Issues related to arbitration clauses Issues related to SBA 7(a) loan program Issues related to financial institutions operating on military installations Issues related to postal banking Issues related to Telephone Consumer Protection Act Issues related to financial technology (FINTECH) Issues related to robocalls and the draft Declatory Ruling (the ruling) and Third Further Notice of Proposted Rulemaking (FNPRM) CG Docket No 17-59, WC Docket No. 17 - 97 Issues related to payday and small dollar lending Issues related to leases of non-excess property on military bases Issues related to Opportunity Zones Issues related to minority homeownership Issues related to the ability of Federal Credit unions to establish their own fiscal year Issues related to a requirement that Federal credit unions file certain information regarding loan officers Issues related to enhancing flexibility of Federal Credit Unions to schedule board meetings Issues related to removing certain outdated responsibilites of Federal credit union board of directors Issues related to permitting Federal credit unions to expel disruptive members for just cause without a vote Issues related to permitting balloting for conversions from state to federal charter and from federal to state charter to be conducted electronically Issues related to PACE Loans Issues related to minority depository insitutions Issues related to AI and cloud computing Issues related to the Consumer Online Privacy Rights Act Issues related to COVID-19 crisis response legislation Issues related to the Paycheck Protection Program Issues related to Taxi Medallion loans Issues related to QRM Risk Retection Review Issues related to NCUA's proposed rule on combination transactions Issues related to the regulation of credit unions as employers Issues related to liability protections for businesses Issues related to remote notary Issues related to digital identity legislation Issues related Paid Leave Payroll Tax Credits Issues related to Economic Impact Payments Issues related to Fed Accounts Issues related to the Federal Reserve's Main Street Lending Program Issues related to troubled debt restructuring Issues related to Prompt Corective Action requirements Issues related to NCUA subordinated debt rulemaking Issues related to Uniform Residential Loan Application Issues related to digitalization of money Issues related to electronic signatures on wire transfer documents Issues related to cybercriminal activity during COVID-19 Issues related to lender forebearance Issues related to Paycheck Protection Program forgiveness process Issues related to Agriculture Lending Issues related to OCC payment charters Issues related to the Student Empowerment and Financial Literacy Act Issues related to OCC National Bank and Savings Association Digital Activities Issues related to the treatment of certain COVID-19 Loss Mitigation options under RESPA (Reg X) Issues related to premium assessments by the National Credit Union Share Insurance Issues related to the proposed exclusion of PPP Loans from financial institution asset calculations Issues related to Section 4013 of the CARES Act Issues related to Section 4016 of the CARES Act Issues related tot he oversight of prudential regulators Issues related to PAL 1 Program Issues related to credit union asset size thresholds for regulatory compliance Issues related to NCUA MERIT examination system Issues related to NCUA Derivatives rulemaking Issues related to mortgage servicer assistance Issues related to Section 4022 of the CARES Act Issues related to the ability of NCUA to offer forbearance from Prompt Corrective Action Requirements Issues related to Temporarily Excluding Certain Low-Risk Assets from the Credit Union Net Worth Ratio Issues related to London Inter-Bank Offered Rate (LIBOR) Issues related to the regulation of Federal Employment Laws Issues related to the Office of Comptroller Charter Issues related to the Crypto Charter Issues related to the Solar Winds Data Breach Issues related to PPP Loan Necessity Questionnaires Issues related to SBA Economic Injury Disaster Loan Advances Issues related to Seasoned QM Loan Definitions Issues related to FHFA Strategic Plan for 2021-2024 Issues related to GSE Housing Goals Issues related to Member Business Lending Issues related to interest rate caps Issues related to Federal Housing Finance Agency's (FHFA) recapitalization plans Issues related to rental and mortgage payment assistance Issues related to BSA / AML Regulation Issues related to CECL Accounting requirements Issues related to climate control issues and effect on financial institutions Issues related to UDAAP guidance and requirements Issues related to risk-based capital requirements Issues related to NCUA's Communications and Transparency Issues related to Enterprise liquidity framework (FHFA) Issues related to the discussion draft of the Expanding Financial Access for Underserved Communities Act Issues related to the NCUA's Capitalization of Interest in Connection with Loan Workouts and Modifications Rulemaking Issues related to the Federal Reserve's proposed Regulation II Issues related to Capitalizing interest on consumer loans Issues related to Cryptocurrency Issues related to proposed postal banking pilot program Issues related to proposed new tax reporting requirements for financial institutions Issues related to the implementation of consumer financial protection laws Issues related to the safety and soundness regulations of credit unions Issues related to investment authority Issues related to BSA / AML regulation and Cannabis Banking Issues related to rate cap legislation and the Military Lending Act Issues related to credit card interchange fees and routing Issues related to FY22 National Defense Authorization Act Issues related to NCUA Central Liquidity Facility Issues related to Climate and Natural disaster risk management at regulated entities Issues related to PSPA / QM Conflict Issues related to CAMELS proposal Issues related to credit union coverage under GNMA rules Issues related to Cryptocurrency and digital assets Issues related to the re-nomination of Todd Harper to the NCUA Board Issues related to examining frameworks to address future pandemic risk Issues related to the NDAA rate cap proposals Issues related to the collection of checks and other items by Federal Reserve Banks and Funds Transfers through Fedwire Issues related to the potential modifications to the Federal Reserve policy on payment system risk Issues related to Small Business Bankruptcy Issues related to mortgage-backed securities insurance Issues related to the state of the rural economy Issues related to financial barriers to minority and women-owned businesses' involvement in infrastructure projects Issues related to the President's working group on financial market's report on stablecoins Issues related to economic impact of growing burden of medical debt Issues related to the Credit Union Employee and Member Safety Act in the FY2022 Omnibus Appropriations Act Issues related to the Interagency Task Force on Property Appraisal and Valuation Equity (PAVE) appraisals H.J. Res 35, providing for Congressional disapproval under Chapter 8 of title 5, United States Code, of the rule submitted by the Office of the Comptroller of the Currency relating to "National Banks and Federal Savings Associations as Lenders" 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 the Currency relating to "National Banks and Federal Savings Associations as Lenders" H.R. 133, the Consolidated Appropriations Act (2020) H.R. 963, the Forced Arbitration Injustice Repeal (FAIR) Act H.R. 1319, American Rescue Plan Act of 2021 H.R. 1395, the Housing Financial Literacy Act of 2021 H.R. 1471, the Access to Credit for Small Businesses Impacted by the COVID-19 Crisis Act 0f 2021 H.R. 1996, Secure and Fair Enforcement (SAFE) Banking Act of 2021 H.R. 2040, the Financial Reporting Threshold Modernization Act H.R. 2311, To amend the Federal Credit Union Act to modernize certain processes regarding expulsion of credit union members for cause, and for other purposes H.R. 2471, the Consolidated Appropriations Act of 2022 H.R. 2547, the Comprehensive Debt Collection Improvement Act H.R. 3684, Infrastructure Investment and Jobs Act, Sec. 90005, Extension of enterprise guarantee fees H.R. 3958, Central Liquidity Facility Enhancement Act H.R. 3962, SECURE Notarization Act of 2021 H.R. 4773, the Consumer Financial Protection Commission Act H.R. 4905, Promoting New and Diverse Depository Institutions Act H.R. 5206, Tax Gap Reform and IRS Enforcement Act H.R. 5305, Extending Government Funding and Delivering Emergency Assistance Act H.R. 5451, Protecting Financial Privacy Act of 2021 H.R. 5189, Member Business Loan Expansion Act H.R. 6889, Credit Union Board Modernization Act H.R. 7003, Expanding Financial Access to Underserved Communities Act S. 254, A bill to establish a Homeowner Assistance Fund at the Department of the Treasury S. 337, Stop Senior Scams Act S. 762, A bill to provide the National Credit Union Administration Board flexibility to increase Federal credit union loan maturities, and for other purposes S. 910, SAFE Banking Act of 2021 S. 1368, American Housing and Economic Mobility Act of 2021 S. 1625, Securing and Enabling Commerce Using Remote and Electronic Notarization Act S. 1767, the Credit Union Employee and Member Safety Act of 2021 S. 2857, Protection Financial Privacy Act of 2021 S. 3715, E-SIGN Modernization Act of 2022 S. 3813, Veterans Member Business Loan Act

H.R.2471, the Fraud and Scam Reduction Act. S. 337, the Stop Senior Scams Act. S. 349, the Senior Fraud Prevention Act. H.R. 5914/S. 3529, the Empowering States to Protect Seniors from Bad Actors Act. No bill number. Discussed fraud prevention and mitigation, and interagency reporting. No bill number. Discussed banking issues and consumer protections. No bill number. Discussed financial disclosures. No bill number. Discussed regulation best interest and Form CRS. No bill number. Discussed definition of accredited investors. No bill number. Discussed cryptocurrency and digital assets, risk, and exploitation by scammers. No bill number. Discussed the needs of the unbanked and credit invisible.

Client expense: $3,530,000 · Firm income: Not reported

Issues related to Federal Credit Union Charter Modernization Issues related to credit union operations Issues related to credit union field of membership Issues related to credit union service organization Issues related to NCUA's low income designation regulation Issues related to NCUA examination procedures Issues related to NCUA's regulation regarding liquidity Issues related to NCUA's rulemaking process Issues related to NCUA's regulatory review process Issues related to Federal Credit Union Bylaws Issues related to credit union loan maturity restrictions Issues related to credit union investment authority Issues related to Regulation of Federal Credit Union By-Laws Issues related to credit unions' incidental powers Issues related to credit union service to marijuana businesses Issues related to material loss reports of the NCUA Office of Inspector General Issues related to the regulation of corporate credit unions Issues related to fixed assets Issues related to credit union conversions Issues related to credit union call report modernization Issues related to NCUA's Corporate Credit Union Stabilization Plan Issues related to NCUA's budget and the overhead transfer rate Issues related to Credit Union Service Organizations (CUSO) Issues related to the authority of the CFPB to exempt credit unions from its rulemaking Issues related to the CFPB rule to remittances and international wire transfers Issues related to CFPB's Leadership structure and Installing a Board rather than a Director Issues related to codifying the CFPB's Credit Union Advisory Council Issues related to requiring SBREFA Panels for CFPB Rulemakings Issues related to overdraft protection and check ordering practices Issues related to mortgage servicing Issues related to mortgage loan originator compensation and qualifications Issues related to the CFPB's rule regarding qualified mortgage / ability to repay Issues related to the CFPB's regulation on Home Mortgage Disclosure Act (Regulation C) Issues related to the CFPB's regulation on Truth-In-Lending Act / Real Estate Settlement Procedures Act Integrated Disclosures Issues related to the payday, vehicle title, and similar lending Issues related to short term lending products and advance deposit products Issues related to the CFPB's consumer complaint database Issues related to the CFPB's consumer complaint database Issues related to the Department of Justice's investigation entitled, "Operation Choke Point" Issues related to indirect auto lending Issues related to credit union service to unbanked and underbanked consumers Issues related to the Financial Accounting Standards Board (FASB) Issues related to data and cyber security Issues related to mobile banking and mobile payments Issues related to identity theft and fraud reduction Issues related to secure payments Issues related to merchant data breaches Issues related to the payments system and innovation Issues related to the Fed's implementation of same-day ACH Issues related to the Bank Secrecy Act and Currency Transaction Reporting Requirements Issues related to the oversight of the Federal Housing Administration Issues related to the USDA Rural Development Loan Program Issues related to the Federal Home Loan Bank System Issues related to membership eligibility in the Federal Home Loan Bank System Issues related to financial literacy Issues related to Housing Finance Reform Issues related to student lending Issues related to the Economic Growth and Regulatory Paperwork Reduction Act Process Issues related to retirement security Issues related to flood insurance Issues related to consumer's access to records Issues related to Interchange Fees Issues related to the Equal Credit Opportunity Act Issues related to the Fair Housing Act Issues related to the merger of credit unions Issues related to the Real Estate Settlement Procedures Act Issues related to Community Reinvestment Act Issues related to Regulation Z Issues related to Military Lending Act Issues related to Financial Technology Issues related to Small Business Lending Data Collection requirements Issues related to Involuntary liquidation of Federal Credit Unions and Claims Procedures Issues related to Web-Bases Quantitative Testing of Point of Sale / ATM Overdraft Disclosure Forms Issues related to residential appraisals Issues related to FHA appraisal certification Issues related to FHA and USDA Loan Modifications Issues related to Faster Payments Issues related to the Fair Credit Reporting Act Issues related to cooperative funding sources in federal appropriations legislation Issues related to regulation of debt collection activity Issues related to capital reform for credit unions Issues related to diversity and inclusion in Financial Services Issues related to Section 124 of the Federal Credit Union Act Issues related to the Consumer Financial Protection Bureau's No-Action Letters and the BCFP Product Sandbox Issues related to enterprise validation and approval of credit score models Issues related to the availability of Funds and Collection of Checks (Regulation CC) Issues related to arbitration clauses Issues related to SBA 7(a) loan program Issues related to financial institutions operating on military installations Issues related to postal banking Issues related to Telephone Consumer Protection Act Issues related to financial technology (FINTECH) Issues related to robocalls and the draft Declatory Ruling (the ruling) and Third Further Notice of Proposted Rulemaking (FNPRM) CG Docket No 17-59, WC Docket No. 17 - 97 Issues related to payday and small dollar lending Issues related to leases of non-excess property on military bases Issues related to Opportunity Zones Issues related to minority homeownership Issues related to the ability of Federal Credit unions to establish their own fiscal year Issues related to a requirement that Federal credit unions file certain information regarding loan officers Issues related to enhancing flexibility of Federal Credit Unions to schedule board meetings Issues related to removing certain outdated responsibilites of Federal credit union board of directors Issues related to permitting Federal credit unions to expel disruptive members for just cause without a vote Issues related to permitting balloting for conversions from state to federal charter and from federal to state charter to be conducted electronically Issues related to PACE Loans Issues related to minority depository insitutions Issues related to AI and cloud computing Issues related to the Consumer Online Privacy Rights Act Issues related to COVID-19 crisis response legislation Issues related to the Paycheck Protection Program Issues related to Taxi Medallion loans Issues related to QRM Risk Retection Review Issues related to NCUA's proposed rule on combination transactions Issues related to the regulation of credit unions as employers Issues related to liability protections for businesses Issues related to remote notary Issues related to digital identity legislation Issues related Paid Leave Payroll Tax Credits Issues related to Economic Impact Payments Issues related to Fed Accounts Issues related to the Federal Reserve's Main Street Lending Program Issues related to troubled debt restructuring Issues related to Prompt Corective Action requirements Issues related to NCUA subordinated debt rulemaking Issues related to Uniform Residential Loan Application Issues related to digitalization of money Issues related to electronic signatures on wire transfer documents Issues related to cybercriminal activity during COVID-19 Issues related to lender forebearance Issues related to Paycheck Protection Program forgiveness process Issues related to Agriculture Lending Issues related to OCC payment charters Issues related to the Student Empowerment and Financial Literacy Act Issues related to OCC National Bank and Savings Association Digital Activities Issues related to the treatment of certain COVID-19 Loss Mitigation options under RESPA (Reg X) Issues related to premium assessments by the National Credit Union Share Insurance Issues related to the proposed exclusion of PPP Loans from financial institution asset calculations Issues related to Section 4013 of the CARES Act Issues related to Section 4016 of the CARES Act Issues related tot he oversight of prudential regulators Issues related to PAL 1 Program Issues related to credit union asset size thresholds for regulatory compliance Issues related to NCUA MERIT examination system Issues related to NCUA Derivatives rulemaking Issues related to mortgage servicer assistance Issues related to Section 4022 of the CARES Act Issues related to the ability of NCUA to offer forbearance from Prompt Corrective Action Requirements Issues related to Temporarily Excluding Certain Low-Risk Assets from the Credit Union Net Worth Ratio Issues related to London Inter-Bank Offered Rate (LIBOR) Issues related to the regulation of Federal Employment Laws Issues related to the Office of Comptroller Charter Issues related to the Crypto Charter Issues related to the Solar Winds Data Breach Issues related to PPP Loan Necessity Questionnaires Issues related to SBA Economic Injury Disaster Loan Advances Issues related to Seasoned QM Loan Definitions Issues related to FHFA Strategic Plan for 2021-2024 Issues related to GSE Housing Goals Issues related to Member Business Lending Issues related to interest rate caps Issues related to Federal Housing Finance Agency's (FHFA) recapitalization plans Issues related to rental and mortgage payment assistance Issues related to BSA / AML Regulation Issues related to CECL Accounting requirements Issues related to climate control issues and effect on financial institutions Issues related to UDAAP guidance and requirements Issues related to risk-based capital requirements Issues related to NCUA's Communications and Transparency Issues related to Enterprise liquidity framework (FHFA) Issues related to the discussion draft of the Expanding Financial Access for Underserved Communities Act Issues related to the NCUA's Capitalization of Interest in Connection with Loan Workouts and Modifications Rulemaking Issues related to the Federal Reserve's proposed Regulation II Issues related to Capitalizing interest on consumer loans Issues related to Cryptocurrency Issues related to proposed postal banking pilot program Issues related to proposed new tax reporting requirements for financial institutions Issues related to the implementation of consumer financial protection laws Issues related to the safety and soundness regulations of credit unions Issues related to investment authority Issues related to BSA / AML regulation and Cannabis Banking Issues related to rate cap legislation and the Military Lending Act Issues related to credit card interchange fees and routing Issues related to FY22 National Defense Authorization Act Issues related to NCUA Central Liquidity Facility Issues related to Climate and Natural disaster risk management at regulated entities Issues related to PSPA / QM Conflict Issues related to CAMELS proposal H.J. Res 35, providing for Congressional disapproval under Chapter 8 of title 5, United States Code, of the rule submitted by the Office of the Comptroller of the Currency relating to "National Banks and Federal Savings Associations as Lenders" 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 the Currency relating to "National Banks and Federal Savings Associations as Lenders" H.R. 133, the Consolidated Appropriations Act (2020) H.R. 1319, American Rescue Plan Act of 2021 H.R. 1395, the Housing Financial Literacy Act of 2021 H.R. 1471, the Access to Credit for Small Businesses Impacted by the COVID-19 Crisis Act 0f 2021 H.R. 1996, Secure and Fair Enforcement (SAFE) Banking Act of 2021 H.R. 2040, the Financial Reporting Threshold Modernization Act H.R. 2311, To amend the Federal Credit Union Act to modernize certain processes regarding expulsion of credit union members for cause, and for other purposes H.R. 2547, the Comprehensive Debt Collection Improvement Act H.R. 3958, Central Liquidity Facility Enhancement Act S. 254, A bill to establish a Homeowner Assistance Fund at the Department of the Treasury S. 337, Stop Senior Scams Act S. 762, A bill to provide the National Credit Union Administration Board flexibility to increase Federal credit union loan maturities, and for other purposes S. 910, SAFE Banking Act of 2021 S. 1368, American Housing and Economic Mobility Act of 2021 S. 1767, the Credit Union Employee and Member Safety Act of 2021

General lobbying on the following issue areas: Section 224 of the Communications Act (House and Senate); net neutrality (House and Senate); oversight of the Federal Communications Commission (House and Senate); privacy (House and Senate); cybersecurity (House and Senate); robocalling (House and Senate); broadband infrastructure (House and Senate); broadband deployment (House and Senate); broadband mapping (House and Senate); Internet of things (IoT) (House and Senate); and number portability (House and Senate). Specific lobbying on the following bills: H.R. 205 Accelerating Broadband Connectivity Act of 2021; H.R. 341 Ensuring Telehealth Expansion Act of 2021; H.R. 366 Protecting Access to Post-COVID-19 Telehealth Act of 2021; H.R. 476 Innovation Centers Acceleration Act; H.R. 596 ACCESS Act; H.R. 651 Public Health Emergency Privacy Act; H.R. 678 PHONE Act of 2021; H.R. 688 Equal Access to Care Act; H.R. 781 Veterans Telecommunication Protection Act; H.R. 869 RISE Act of 2021; H.R. 870 National Broadband Plan for the Future Act of 2021; H.R. 937 Tech To Save Moms Act; H.R. 981 IoT Readiness Act of 2021; H.R. 994 Justice is Not For Sale Act of 2021; H.R. 1032 Telecommunications Skilled Workforce Act; H.R. 1039 Coastal Broadband Deployment Act; H.R. 1042 Protecting Critical Infrastructure Act; H.R. 1043 Proportional Reviews for Broadband Deployment Act; H.R. 1044 Broadband MAPS Act; H.R. 1045 Broadband Resiliency and Flexible Investment Act; H.R. 1046 Federal Broadband Deployment in Unserved Areas Act; H.R. 1049 Expediting Federal Broadband Deployment Reviews Act; H.R. 1050 Connecting Communities Post Disasters Act of 2021; H.R. 1051 BROADBAND Leadership Act; H.R. 1053 TRUSTED Broadband Networks Act; H.R. 1055 Federal Broadband Deployment Tracking Act; H.R. 1056 Wireless Broadband Competition and Efficient Deployment Act; H.R. 1058 Wireless Resiliency and Flexible Investment Act; H.R. 1060 WIRELESS Leadership Act; H.R. 1067 Standard FEES Act; H.R. 1069 Streamlining Permitting to Enable Efficient Deployment of Broadband Infrastructure Act of 2021; H.R. 1073 Wildfire Wireless Resiliency Act; H.R. 1074 RAPID Act; H.R. 1084 Brownfields Broadband Deployment Act; H.R. 1103 CABLE Competition Act; H.R. 1141 Broadband Competition and Efficient Deployment Act; H.R. 1149 CONNECT Act; H.R. 1155 Uyghur Forced Labor Prevention Act; H.R. 1156 Facilitating DIGITAL Applications Act; H.R. 1215 Fraud and Scam Reduction Act; H.R. 1218 Data Mapping to Save Moms Lives Act; H.R. 1250 Emergency Reporting Act; H.R. 1334 DISCLOSE Act of 2021; H.R. 1362 BOOST Act; H.R. 1406 COVID-19 Emergency Telehealth Impact Reporting Act of 2021; H.R. 1555 To require the Federal Communications Commission to issue final rules to promote and incentivize the widespread adoption of broadband consumer labels and for other purposes; H.R. 1590 - Tribal Internet Expansion Act of 2021; H.R. 1700 To establish a broadband infrastructure finance and innovation program to make available loans loan guarantees and lines of credit for the construction and deployment of broadband infrastructure and for other purposes; H.R. 1714 - Speedy Updates Act of 2021; H.R. 1721 - To amend the Consolidated Appropriations Act of 2021 to authorize additional funds for the Emergency Broadband Connectivity Fund, to provide grants to states and tribal entities to strengthen the National Lifeline Eligibility Verifier, to provide federal coordination between the National Lifeline Eligibility Verifier and the National Accuracy Clearinghouse; H.R. 1783 - Accessible, Affordable Internet for All Act; H.R.1833 -- To amend the Homeland Security Act of 2002 to provide for the responsibility of the Cybersecurity and Infrastructure Security Agency to maintain capabilities to identify threats to industrial control systems, and for other purposes; H.R. 1841 - Digital Equality Act of 2021; H.R. 1848 -- LIFT America Act; H.R. 2183 To amend the Communications Act of 1934 to provide funding to States for extending broadband service to unserved areas in partnership with broadband service providers and for other purposes; H.R. 2398 Broadband Speed Act; H.R. 2400 - To allow Rural Utilities Service telecommunications grants to be made for the collection of broadband infrastructure data by local governments, economic development or other community organizations, electric or telephone cooperatives, and small Internet providers; H.R. 2501 - Spectrum Coordination Act; H.R. 2524 - Promoting Access to Broadband Act of 2021; H.R. 2665 - Local Telecom Expansion Act of 2021; H.R. 2666 - NO CAP Act; H.R. 2667 - Broadband Equipment Rental Reform Act; H.R. 2685 - Understanding Cybersecurity and Mobile Networks Act; H.R. 3003 - Promoting United States Wireless Leadership Act; H.R. 3346 - No Rate Regulation of Broadband Internet Access Act; H.R. 3369 - Broadband for Rural America Act; H.R. 3370 - To streamline broadband permitting process for broadband services, and for other purposes; H.R. 3376 - Expanding Opportunities for Broadband Deployment Act; H.R. 3435 - American Broadband Act; H.R. 3654 - To expand access to electromagnetic spectrum for the provision of broadband service in rural areas, and for other purposes; H.R. 4029 - To amend the NTIA Organization Act to establish and interagency national security review process, and for other purposes; H.R. 4046 - NIA Policy and Cybersecurity Coordination Act; H.R. 4055 - American Cybersecurity Literacy Act; H.R. 4329 - To amend the Rural Electrification Act of 1936 to improve access to broadband telecommunications services in rural areas, including by encouraging the provision of broadband loans and grants to increase broadband service in rural ports, and for other purposes; H.R. 4374 - Broadband Internet Connections for Rural America Act; H.R. 4383 - RURAL Broadband Act of 2021; H.R. 4480 - Telehealth Coverage and Payment Parity Act; H.R. 4656 - Extending Tribal Broadband Priority Act; H.R. 4659 - BROWSER Act of 2021; H.R. 4663 -- SUCCESS Act; H.R. 4825 - 21st Century Broadband Deployment Act; H.R. 4905 - Big Tech Accountability for Broadband Act; H.R. 4918 -- Rural Telehealth Expansion Act; H.R. 5058 - Broadband Incentives for Communities Act; H.R. 5486 - SMART Act; H.R. 5506 - Rural Telehealth Access Task Force Act; H.R. 5512 - RURAL Broadband Mapping Act; H.R. 5871 - American Telecommunications Security Act; H.R. 6314 - Reforming Broadband Connectivity Act of 2021; S. 113 BROWSER Act of 2021; S. 120 Safe Connections Act of 2021; S. 163 Telecommunications Skilled Workforce Act; S. 198 Data Mapping to Save Moms' Lives Act; S. 279 National Broadband Plan for the Future Act of 2021; S. 326 Measuring the Economic Impact of Broadband Act of 2021; S. 337 Stop Senior Scams Act; S. 390 Emergency Reporting Act; S. 436 American Broadband Buildout Act of 2021; S. 466 Kelsey Smith Act; S. 553 Government Spectrum Valuation Act; S. 592 Broadband Reserve Fund Act of 2021; S. 608 Keeping Critical Connections Act of 2021; S. 652 Moving FIRST Act; S. 724 A bill to require the Federal Communications Commission to make the provision of Wi-Fi access on school buses eligible for E-rate support; S. 741 Broadband Infrastructure Finance and Innovation Act of 2021; S. 745 Accessible Affordable Internet for All Act; S. 797 PACT Act; S. 922 A bill to amend the Communications Act of 1934 to provide funding to States for extending broadband service to unserved areas in partnership with broadband service providers and for other purposes; S. 944 A bill to amend the Communications Act of 1934 to establish a program to expand access to broadband in unserved and underserved areas and for other purposes; S. 979 A bill to amend the Consolidated Appropriations Act 2021 to authorize additional funds for the Emergency Broadband Connectivity Fund to provide grants to States and Tribal Entities to strengthen the National Lifeline Eligibility Verifier to provide for Federal coordination between the National Lifeline Eligibility Verifier and the National Accuracy Clearinghouse and for other purposes; S. 996 A bill to award grants to certain intuitions of higher education to educate and train students to participate in the telecommunications workforce; S. 1113 A bill to require Federal agencies to timely respond to right-of-way requests for the build out of broadband service, and for other purposes; S. 1260 - United States Innovation and Competition Act of 2021; S. 1460 - Community Broadband Act of 2021; S. 1472 - Improving Spectrum Coordination Act of 2021; S. 1563 - Telecommunications Supply Chain Diversity Promotion Act; S. 1676 - Rural Broadband Financing Flexibility Act; S. 1695 - BRIDGE Act; S. 1884 - A bill to ensure that fixed broadband Internet access service assisted by and federal broadband support program meets a minimum level of service; S. 1908 - A bill to amend the Rural Electrification Act of 1936 to improve access to broadband telecommunications services in rural areas, including by encouraging the provision of broadband loans and grants to increase broadband service in rural ports and other purposes; S. 2018 - Digital Equity Act of 2021; S. 2071 - BRIDGE Act; S. 2447 - SUCCESS Act; S. 2473 - Middle Mile Broadband Deployment Act; S. 2474 - American Telecommunications Security Act; S. 2668 - A bill to require the offices of the Office of Internet Connectivity and Growth at the National Telecommunications and Information Administration to provide assistance relating to broadband access; S. 2699 - American Cybersecurity Literacy Act; S. 2911 - American Broadband Buildout to Eliminate Americas Digital Divide Act of 2021; S. 2965 - A bill to require the Federal Communications Commission to study the current and projected demands of rural broadband networks associated with data transmission due to increased network usage; S. 2979 - NTIA Policy and Cybersecurity Coordination Act; S. 3014 - Next Generation Telecommunications Act; S. 3151 - Connected Rural Schools Act; S. 3236 - Reforming Broadband Connectivity Act of 2021; and S. 3288 - NTIA Reauthorization and Reform Act of 2021.

Issues related to data breach, data security and privacy; S.337 - Stop Senior Scams Act, issues related to education regarding financial scams targeted at senior citizens; issues related to Dodd-Frank Act and provisions dealing with debit card interchange regulations

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

Government targets: Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, SENATE

Issues related to Federal Credit Union Charter Modernization Issues related to credit union operations Issues related to credit union field of membership Issues related to credit union service organization Issues related to NCUA's low income designation regulation Issues related to NCUA examination procedures Issues related to NCUA's regulation regarding liquidity Issues related to NCUA's rulemaking process Issues related to NCUA's regulatory review process Issues related to Federal Credit Union Bylaws Issues related to credit union loan maturity restrictions Issues related to credit union investment authority Issues related to Regulation of Federal Credit Union By-Laws Issues related to credit unions' incidental powers Issues related to credit union service to marijuana businesses Issues related to material loss reports of the NCUA Office of Inspector General Issues related to the regulation of corporate credit unions Issues related to fixed assets Issues related to credit union conversions Issues related to credit union call report modernization Issues related to NCUA's Corporate Credit Union Stabilization Plan Issues related to NCUA's budget and the overhead transfer rate Issues related to Credit Union Service Organizations (CUSO) Issues related to the authority of the CFPB to exempt credit unions from its rulemaking Issues related to the CFPB rule to remittances and international wire transfers Issues related to CFPB's Leadership structure and Installing a Board rather than a Director Issues related to codifying the CFPB's Credit Union Advisory Council Issues related to requiring SBREFA Panels for CFPB Rulemakings Issues related to overdraft protection and check ordering practices Issues related to mortgage servicing Issues related to mortgage loan originator compensation and qualifications Issues related to the CFPB's rule regarding qualified mortgage / ability to repay Issues related to the CFPB's regulation on Home Mortgage Disclosure Act (Regulation C) Issues related to the CFPB's regulation on Truth-In-Lending Act / Real Estate Settlement Procedures Act Integrated Disclosures Issues related to the payday, vehicle title, and similar lending Issues related to short term lending products and advance deposit products Issues related to the CFPB's consumer complaint database Issues related to the CFPB's consumer complaint database Issues related to the Department of Justice's investigation entitled, "Operation Choke Point" Issues related to indirect auto lending Issues related to credit union service to unbanked and underbanked consumers Issues related to the Financial Accounting Standards Board (FASB) Issues related to data and cyber security Issues related to mobile banking and mobile payments Issues related to identity theft and fraud reduction Issues related to secure payments Issues related to merchant data breaches Issues related to the payments system and innovation Issues related to the Fed's implementation of same-day ACH Issues related to the Bank Secrecy Act and Currency Transaction Reporting Requirements Issues related to the oversight of the Federal Housing Administration Issues related to the USDA Rural Development Loan Program Issues related to the Federal Home Loan Bank System Issues related to membership eligibility in the Federal Home Loan Bank System Issues related to financial literacy Issues related to Housing Finance Reform Issues related to student lending Issues related to the Economic Growth and Regulatory Paperwork Reduction Act Process Issues related to retirement security Issues related to flood insurance Issues related to consumer's access to records Issues related to Interchange Fees Issues related to the Equal Credit Opportunity Act Issues related to the Fair Housing Act Issues related to the merger of credit unions Issues related to the Real Estate Settlement Procedures Act Issues related to Community Reinvestment Act Issues related to Regulation Z Issues related to Military Lending Act Issues related to Financial Technology Issues related to Small Business Lending Data Collection requirements Issues related to Involuntary liquidation of Federal Credit Unions and Claims Procedures Issues related to Web-Bases Quantitative Testing of Point of Sale / ATM Overdraft Disclosure Forms Issues related to residential appraisals Issues related to FHA appraisal certification Issues related to FHA and USDA Loan Modifications Issues related to Faster Payments Issues related to the Fair Credit Reporting Act Issues related to cooperative funding sources in federal appropriations legislation Issues related to regulation of debt collection activity Issues related to capital reform for credit unions Issues related to diversity and inclusion in Financial Services Issues related to Section 124 of the Federal Credit Union Act Issues related to the Consumer Financial Protection Bureau's No-Action Letters and the BCFP Product Sandbox Issues related to enterprise validation and approval of credit score models Issues related to the availability of Funds and Collection of Checks (Regulation CC) Issues related to arbitration clauses Issues related to SBA 7(a) loan program Issues related to financial institutions operating on military installations Issues related to postal banking Issues related to Telephone Consumer Protection Act Issues related to financial technology (FINTECH) Issues related to robocalls and the draft Declatory Ruling (the ruling) and Third Further Notice of Proposted Rulemaking (FNPRM) CG Docket No 17-59, WC Docket No. 17 - 97 Issues related to payday and small dollar lending Issues related to leases of non-excess property on military bases Issues related to Opportunity Zones Issues related to minority homeownership Issues related to the ability of Federal Credit unions to establish their own fiscal year Issues related to a requirement that Federal credit unions file certain information regarding loan officers Issues related to enhancing flexibility of Federal Credit Unions to schedule board meetings Issues related to removing certain outdated responsibilites of Federal credit union board of directors Issues related to permitting Federal credit unions to expel disruptive members for just cause without a vote Issues related to permitting balloting for conversions from state to federal charter and from federal to state charter to be conducted electronically Issues related to PACE Loans Issues related to minority depository insitutions Issues related to AI and cloud computing Issues related to the Consumer Online Privacy Rights Act Issues related to COVID-19 crisis response legislation Issues related to the Paycheck Protection Program Issues related to Taxi Medallion loans Issues related to QRM Risk Retection Review Issues related to NCUA's proposed rule on combination transactions Issues related to the regulation of credit unions as employers Issues related to liability protections for businesses Issues related to remote notary Issues related to digital identity legislation Issues related Paid Leave Payroll Tax Credits Issues related to Economic Impact Payments Issues related to Fed Accounts Issues related to the Federal Reserve's Main Street Lending Program Issues related to troubled debt restructuring Issues related to Prompt Corective Action requirements Issues related to NCUA subordinated debt rulemaking Issues related to Uniform Residential Loan Application Issues related to digitalization of money Issues related to electronic signatures on wire transfer documents Issues related to cybercriminal activity during COVID-19 Issues related to lender forebearance Issues related to Paycheck Protection Program forgiveness process Issues related to Agriculture Lending Issues related to OCC payment charters Issues related to the Student Empowerment and Financial Literacy Act Issues related to OCC National Bank and Savings Association Digital Activities Issues related to the treatment of certain COVID-19 Loss Mitigation options under RESPA (Reg X) Issues related to premium assessments by the National Credit Union Share Insurance Issues related to the proposed exclusion of PPP Loans from financial institution asset calculations Issues related to Section 4013 of the CARES Act Issues related to Section 4016 of the CARES Act Issues related tot he oversight of prudential regulators Issues related to PAL 1 Program Issues related to credit union asset size thresholds for regulatory compliance Issues related to NCUA MERIT examination system Issues related to NCUA Derivatives rulemaking Issues related to mortgage servicer assistance Issues related to Section 4022 of the CARES Act Issues related to the ability of NCUA to offer forbearance from Prompt Corrective Action Requirements Issues related to Temporarily Excluding Certain Low-Risk Assets from the Credit Union Net Worth Ratio Issues related to London Inter-Bank Offered Rate (LIBOR) Issues related to the regulation of Federal Employment Laws Issues related to the Office of Comptroller Charter Issues related to the Crypto Charter Issues related to the Solar Winds Data Breach Issues related to PPP Loan Necessity Questionnaires Issues related to SBA Economic Injury Disaster Loan Advances Issues related to Seasoned QM Loan Definitions Issues related to FHFA Strategic Plan for 2021-2024 Issues related to GSE Housing Goals Issues related to Member Business Lending Issues related to interest rate caps Issues related to Federal Housing Finance Agency's (FHFA) recapitalization plans Issues related to rental and mortgage payment assistance Issues related to BSA / AML Regulation Issues related to CECL Accounting requirements Issues related to climate control issues and effect on financial institutions Issues related to UDAAP guidance and requirements Issues related to risk-based capital requirements Issues related to NCUA's Communications and Transparency Issues related to Enterprise liquidity framework (FHFA) Issues related to the discussion draft of the Expanding Financial Access for Underserved Communities Act Issues related to the NCUA's Capitalization of Interest in Connection with Loan Workouts and Modifications Rulemaking Issues related to the Federal Reserve's proposed Regulation II Issues related to Capitalizing interest on consumer loans Issues related to Cryptocurrency Issues related to proposed postal banking pilot program Issues related to proposed new tax reporting requirements for financial institutions Issues related to the implementation of consumer financial protection laws Issues related to the safety and soundness regulations of credit unions Issues related to investment authority Issues related to BSA / AML regulation and Cannabis Banking Issues related to rate cap legislation and the Military Lending Act Issues related to credit card interchange fees and routing Issues related to FY22 National Defense Authorization Act Issues related to NCUA Central Liquidity Facility Issues related to Climate and Natural disaster risk management at regulated entities Issues related to PSPA / QM Conflict Issues related to CAMELS proposal Issues related to credit union coverage under GNMA rules Issues related to Cryptocurrency and digital assets Issues related to the re-nomination of Todd Harper to the NCUA Board Issues related to examining frameworks to address future pandemic risk Issues related to the NDAA rate cap proposals Issues related to the collection of checks and other items by Federal Reserve Banks and Funds Transfers through Fedwire Issues related to the potential modifications to the Federal Reserve policy on payment system risk H.J. Res 35, providing for Congressional disapproval under Chapter 8 of title 5, United States Code, of the rule submitted by the Office of the Comptroller of the Currency relating to "National Banks and Federal Savings Associations as Lenders" 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 the Currency relating to "National Banks and Federal Savings Associations as Lenders" H.R. 133, the Consolidated Appropriations Act (2020) H.R. 1319, American Rescue Plan Act of 2021 H.R. 1395, the Housing Financial Literacy Act of 2021 H.R. 1471, the Access to Credit for Small Businesses Impacted by the COVID-19 Crisis Act 0f 2021 H.R. 1996, Secure and Fair Enforcement (SAFE) Banking Act of 2021 H.R. 2040, the Financial Reporting Threshold Modernization Act H.R. 2311, To amend the Federal Credit Union Act to modernize certain processes regarding expulsion of credit union members for cause, and for other purposes H.R. 2547, the Comprehensive Debt Collection Improvement Act H.R. 3684, Infrastructure Investment and Jobs Act, Sec. 90005, Extension of enterprise guarantee fees H.R. 3958, Central Liquidity Facility Enhancement Act H.R. 4773, the Consumer Financial Protection Commission Act H.R. 4905, Promoting New and Diverse Depository Institutions Act H.R. 5305, Extending Government Funding and Delivering Emergency Assistance Act H.R. 5189, Member Business Loan Expansion Act S. 254, A bill to establish a Homeowner Assistance Fund at the Department of the Treasury S. 337, Stop Senior Scams Act S. 762, A bill to provide the National Credit Union Administration Board flexibility to increase Federal credit union loan maturities, and for other purposes S. 910, SAFE Banking Act of 2021 S. 1368, American Housing and Economic Mobility Act of 2021 S. 1767, the Credit Union Employee and Member Safety Act of 2021

HR. 5376, Build Back Better Act. H.R. 5380, Senior Guardianship Social Security Protection Act of 2019. H.R. 1215, the Fraud and Scam Reduction Act. S. 337, the Stop Senior Scams Act. S. 349, the Senior Fraud Prevention Act. H.R. 2668, the Consumer Protection and Recovery Act. No bill number. Discussed legislation to curb senior fraud and scams. No bill number. Discussed Covid-19 scams. HR 5914, Empowering States to Protect Seniors from Bad Actors Act.

Client expense: $5,140,000 · Firm income: Not reported

General lobbying on the following issue areas: Section 224 of the Communications Act (House and Senate); net neutrality (House and Senate); oversight of the Federal Communications Commission (House and Senate); privacy (House and Senate); cybersecurity (House and Senate); robocalling (House and Senate); broadband infrastructure (House and Senate); broadband deployment (House and Senate); broadband mapping; (House and Senate); and Internet of things (IoT) (House and Senate); number portability (House and Senate). Specific lobbying on the following bills: H.R. 205 Accelerating Broadband Connectivity Act of 2021; H.R. 341 Ensuring Telehealth Expansion Act of 2021; H.R. 366 Protecting Access to Post-COVID-19 Telehealth Act of 2021; H.R. 476 Innovation Centers Acceleration Act; H.R. 596 ACCESS Act; H.R. 651 Public Health Emergency Privacy Act; H.R. 678 PHONE Act of 2021; H.R. 688 Equal Access to Care Act; H.R. 781 Veterans Telecommunication Protection Act; H.R. 869 RISE Act of 2021; H.R. 870 National Broadband Plan for the Future Act of 2021; H.R. 937 Tech To Save Moms Act; H.R. 981 IoT Readiness Act of 2021; H.R. 994 Justice is Not For Sale Act of 2021; H.R. 1032 Telecommunications Skilled Workforce Act; H.R. 1039 Coastal Broadband Deployment Act; H.R. 1042 Protecting Critical Infrastructure Act; H.R. 1043 Proportional Reviews for Broadband Deployment Act; H.R. 1044 Broadband MAPS Act; H.R. 1045 Broadband Resiliency and Flexible Investment Act; H.R. 1046 Federal Broadband Deployment in Unserved Areas Act; H.R. 1049 Expediting Federal Broadband Deployment Reviews Act; H.R. 1050 Connecting Communities Post Disasters Act of 2021; H.R. 1051 BROADBAND Leadership Act; H.R. 1053 TRUSTED Broadband Networks Act; H.R. 1055 Federal Broadband Deployment Tracking Act; H.R. 1056 Wireless Broadband Competition and Efficient Deployment Act; H.R. 1058 Wireless Resiliency and Flexible Investment Act; H.R. 1060 WIRELESS Leadership Act; H.R. 1067 Standard FEES Act; H.R. 1069 Streamlining Permitting to Enable Efficient Deployment of Broadband Infrastructure Act of 2021; H.R. 1073 Wildfire Wireless Resiliency Act; H.R. 1074 RAPID Act; H.R. 1084 Brownfields Broadband Deployment Act; H.R. 1103 CABLE Competition Act; H.R. 1141 Broadband Competition and Efficient Deployment Act; H.R. 1149 CONNECT Act; H.R. 1155 Uyghur Forced Labor Prevention Act; H.R. 1156 Facilitating DIGITAL Applications Act; H.R. 1215 Fraud and Scam Reduction Act; H.R. 1218 Data Mapping to Save Moms Lives Act; H.R. 1250 Emergency Reporting Act; H.R. 1334 DISCLOSE Act of 2021; H.R. 1362 BOOST Act; H.R. 1406 COVID-19 Emergency Telehealth Impact Reporting Act of 2021; H.R. 1555 To require the Federal Communications Commission to issue final rules to promote and incentivize the widespread adoption of broadband consumer labels and for other purposes; H.R. 1590 - Tribal Internet Expansion Act of 2021; H.R. 1700 To establish a broadband infrastructure finance and innovation program to make available loans loan guarantees and lines of credit for the construction and deployment of broadband infrastructure and for other purposes; H.R. 1714 - Speedy Updates Act of 2021; H.R. 1721 - To amend the Consolidated Appropriations Act of 2021 to authorize additional funds for the Emergency Broadband Connectivity Fund, to provide grants to states and tribal entities to strengthen the National Lifeline Eligibility Verifier, to provide federal coordination between the National Lifeline Eligibility Verifier and the National Accuracy Clearinghouse; H.R. 1783 - Accessible, Affordable Internet for All Act; H.R.1833 -- To amend the Homeland Security Act of 2002 to provide for the responsibility of the Cybersecurity and Infrastructure Security Agency to maintain capabilities to identify threats to industrial control systems, and for other purposes; H.R. 1841 - Digital Equality Act of 2021; H.R. 1848 -- LIFT America Act; H.R. 2183 To amend the Communications Act of 1934 to provide funding to States for extending broadband service to unserved areas in partnership with broadband service providers and for other purposes; H.R. 2398 Broadband Speed Act; H.R. 2400 - To allow Rural Utilities Service telecommunications grants to be made for the collection of broadband infrastructure data by local governments, economic development or other community organizations, electric or telephone cooperatives, and small Internet providers; H.R. 2501 - Spectrum Coordination Act; H.R. 2524 - Promoting Access to Broadband Act of 2021; H.R. 2665 - Local Telecom Expansion Act of 2021; H.R. 2666 - NO CAP Act; H.R. 2667 - Broadband Equipment Rental Reform Act; H.R. 2685 - Understanding Cybersecurity and Mobile Networks Act; H.R. 3003 - Promoting United States Wireless Leadership Act; H.R. 3346 - No Rate Regulation of Broadband Internet Access Act; H.R. 3369 - Broadband for Rural America Act; H.R. 3370 - To streamline broadband permitting process for broadband services, and for other purposes; H.R. 3376 - Expanding Opportunities for Broadband Deployment Act; H.R. 3435 - American Broadband Act; H.R. 3654 - To expand access to electromagnetic spectrum for the provision of broadband service in rural areas, and for other purposes; H.R. 4029 - To amend the NTIA Organization Act to establish and interagency national security review process, and for other purposes; H.R. 4329 - To amend the Rural Electrification Act of 1936 to improve access to broadband telecommunications services in rural areas, including by encouraging the provision of broadband loans and grants to increase broadband service in rural ports, and for other purposes; H.R. 4046 - NIA Policy and Cybersecurity Coordination Act; H.R. 4055 - American Cybersecurity Literacy Act; H.R. 4329 - To amend the Rural Electrification Act of 1936 to improve access to broadband telecommunications services in rural areas, including by encouraging the provision of broadband loans and grants to increase broadband service in rural ports, and for other purposes; S. 113 BROWSER Act of 2021; S. 120 Safe Connections Act of 2021; S. 163 Telecommunications Skilled Workforce Act; S. 198 Data Mapping to Save Moms' Lives Act; S. 279 National Broadband Plan for the Future Act of 2021; S. 326 Measuring the Economic Impact of Broadband Act of 2021; S. 337 Stop Senior Scams Act; S. 390 Emergency Reporting Act; S. 436 American Broadband Buildout Act of 2021; S. 466 Kelsey Smith Act; S. 553 Government Spectrum Valuation Act; S. 592 Broadband Reserve Fund Act of 2021; S. 608 Keeping Critical Connections Act of 2021; S. 652 Moving FIRST Act; S. 724 A bill to require the Federal Communications Commission to make the provision of Wi-Fi access on school buses eligible for E-rate support; S. 741 Broadband Infrastructure Finance and Innovation Act of 2021; S. 745 Accessible Affordable Internet for All Act; S. 797 PACT Act; S. 922 A bill to amend the Communications Act of 1934 to provide funding to States for extending broadband service to unserved areas in partnership with broadband service providers and for other purposes; S. 944 A bill to amend the Communications Act of 1934 to establish a program to expand access to broadband in unserved and underserved areas and for other purposes; S. 979 A bill to amend the Consolidated Appropriations Act 2021 to authorize additional funds for the Emergency Broadband Connectivity Fund to provide grants to States and Tribal Entities to strengthen the National Lifeline Eligibility Verifier to provide for Federal coordination between the National Lifeline Eligibility Verifier and the National Accuracy Clearinghouse and for other purposes; S. 996 A bill to award grants to certain intuitions of higher education to educate and train students to participate in the telecommunications workforce; S. 1113 A bill to require Federal agencies to timely respond to right-of-way requests for the build-out of broadband service, and for other purposes; S. 1260 - United States Innovation and Competition Act of 2021; S. 1460 - Community Broadband Act of 2021; S. 1472 - Improving Spectrum Coordination Act of 2021; S. 1563 - Telecommunications Supply Chain Diversity Promotion Act; S. 1676 - Rural Broadband Financing Flexibility Act; S. 1695 - BRIDGE Act; S. 1884 - A bill to ensure that fixed broadband Internet access service assisted by and federal broadband support program meets a minimum level of service; S. 1908 - A bill to amend the Rural Electrification Act of 1936 to improve access to broadband telecommunications services in rural areas, including by encouraging the provision of broadband loans and grants to increase broadband service in rural ports and other purposes; S. 2018 - Digital Equity Act of 2021; S. 2071 - BRIDGE Act; S. 2474 - American Telecommunications Security Act; S. 2668 - A bill to require the offices of the Office of Internet Connectivity and Growth at the National Telecommunications and Information Administration to provide assistance relating to broadband access; S. 2699 - American Cybersecurity Literacy Act; S. 2979 - NTIA Policy and Cybersecurity Coordination Act; S. 3151 - Connected Rural Schools Act.

Issues related to Federal Credit Union Charter Modernization Issues related to credit union operations Issues related to credit union field of membership Issues related to credit union service organization Issues related to NCUA's low income designation regulation Issues related to NCUA examination procedures Issues related to NCUA's regulation regarding liquidity Issues related to NCUA's rulemaking process Issues related to NCUA's regulatory review process Issues related to Federal Credit Union Bylaws Issues related to credit union loan maturity restrictions Issues related to credit union investment authority Issues related to Regulation of Federal Credit Union By-Laws Issues related to credit unions' incidental powers Issues related to credit union service to marijuana businesses Issues related to material loss reports of the NCUA Office of Inspector General Issues related to the regulation of corporate credit unions Issues related to fixed assets Issues related to credit union conversions Issues related to credit union call report modernization Issues related to NCUA's Corporate Credit Union Stabilization Plan Issues related to NCUA's budget and the overhead transfer rate Issues related to Credit Union Service Organizations (CUSO) Issues related to the authority of the CFPB to exempt credit unions from its rulemaking Issues related to the CFPB rule to remittances and international wire transfers Issues related to CFPB's Leadership structure and Installing a Board rather than a Director Issues related to codifying the CFPB's Credit Union Advisory Council Issues related to requiring SBREFA Panels for CFPB Rulemakings Issues related to overdraft protection and check ordering practices Issues related to mortgage servicing Issues related to mortgage loan originator compensation and qualifications Issues related to the CFPB's rule regarding qualified mortgage / ability to repay Issues related to the CFPB's regulation on Home Mortgage Disclosure Act (Regulation C) Issues related to the CFPB's regulation on Truth-In-Lending Act / Real Estate Settlement Procedures Act Integrated Disclosures Issues related to the payday, vehicle title, and similar lending Issues related to short term lending products and advance deposit products Issues related to the CFPB's consumer complaint database Issues related to the CFPB's consumer complaint database Issues related to the Department of Justice's investigation entitled, "Operation Choke Point" Issues related to indirect auto lending Issues related to credit union service to unbanked and underbanked consumers Issues related to the Financial Accounting Standards Board (FASB) Issues related to data and cyber security Issues related to mobile banking and mobile payments Issues related to identity theft and fraud reduction Issues related to secure payments Issues related to merchant data breaches Issues related to the payments system and innovation Issues related to the Fed's implementation of same-day ACH Issues related to the Bank Secrecy Act and Currency Transaction Reporting Requirements Issues related to the oversight of the Federal Housing Administration Issues related to the USDA Rural Development Loan Program Issues related to the Federal Home Loan Bank System Issues related to membership eligibility in the Federal Home Loan Bank System Issues related to financial literacy Issues related to Housing Finance Reform Issues related to student lending Issues related to the Economic Growth and Regulatory Paperwork Reduction Act Process Issues related to retirement security Issues related to flood insurance Issues related to consumer's access to records Issues related to Interchange Fees Issues related to the Equal Credit Opportunity Act Issues related to the Fair Housing Act Issues related to the merger of credit unions Issues related to the Real Estate Settlement Procedures Act Issues related to Community Reinvestment Act Issues related to Regulation Z Issues related to Military Lending Act Issues related to Financial Technology Issues related to Small Business Lending Data Collection requirements Issues related to Involuntary liquidation of Federal Credit Unions and Claims Procedures Issues related to Web-Bases Quantitative Testing of Point of Sale / ATM Overdraft Disclosure Forms Issues related to residential appraisals Issues related to FHA appraisal certification Issues related to FHA and USDA Loan Modifications Issues related to Faster Payments Issues related to the Fair Credit Reporting Act Issues related to cooperative funding sources in federal appropriations legislation Issues related to regulation of debt collection activity Issues related to capital reform for credit unions Issues related to diversity and inclusion in Financial Services Issues related to Section 124 of the Federal Credit Union Act Issues related to the Consumer Financial Protection Bureau's No-Action Letters and the BCFP Product Sandbox Issues related to enterprise validation and approval of credit score models Issues related to the availability of Funds and Collection of Checks (Regulation CC) Issues related to arbitration clauses Issues related to SBA 7(a) loan program Issues related to financial institutions operating on military installations Issues related to postal banking Issues related to Telephone Consumer Protection Act Issues related to financial technology (FINTECH) Issues related to robocalls and the draft Declatory Ruling (the ruling) and Third Further Notice of Proposted Rulemaking (FNPRM) CG Docket No 17-59, WC Docket No. 17 - 97 Issues related to payday and small dollar lending Issues related to leases of non-excess property on military bases Issues related to Opportunity Zones Issues related to minority homeownership Issues related to the ability of Federal Credit unions to establish their own fiscal year Issues related to a requirement that Federal credit unions file certain information regarding loan officers Issues related to enhancing flexibility of Federal Credit Unions to schedule board meetings Issues related to removing certain outdated responsibilites of Federal credit union board of directors Issues related to permitting Federal credit unions to expel disruptive members for just cause without a vote Issues related to permitting balloting for conversions from state to federal charter and from federal to state charter to be conducted electronically Issues related to PACE Loans Issues related to minority depository insitutions Issues related to AI and cloud computing Issues related to the Consumer Online Privacy Rights Act Issues related to COVID-19 crisis response legislation Issues related to the Paycheck Protection Program Issues related to Taxi Medallion loans Issues related to QRM Risk Retection Review Issues related to NCUA's proposed rule on combination transactions Issues related to the regulation of credit unions as employers Issues related to liability protections for businesses Issues related to remote notary Issues related to digital identity legislation Issues related Paid Leave Payroll Tax Credits Issues related to Economic Impact Payments Issues related to Fed Accounts Issues related to the Federal Reserve's Main Street Lending Program Issues related to troubled debt restructuring Issues related to Prompt Corective Action requirements Issues related to NCUA subordinated debt rulemaking Issues related to Uniform Residential Loan Application Issues related to digitalization of money Issues related to electronic signatures on wire transfer documents Issues related to cybercriminal activity during COVID-19 Issues related to lender forebearance Issues related to Paycheck Protection Program forgiveness process Issues related to Agriculture Lending Issues related to OCC payment charters Issues related to the Student Empowerment and Financial Literacy Act Issues related to OCC National Bank and Savings Association Digital Activities Issues related to the treatment of certain COVID-19 Loss Mitigation options under RESPA (Reg X) Issues related to premium assessments by the National Credit Union Share Insurance Issues related to the proposed exclusion of PPP Loans from financial institution asset calculations Issues related to Section 4013 of the CARES Act Issues related to Section 4016 of the CARES Act Issues related tot he oversight of prudential regulators Issues related to PAL 1 Program Issues related to credit union asset size thresholds for regulatory compliance Issues related to NCUA MERIT examination system Issues related to NCUA Derivatives rulemaking Issues related to mortgage servicer assistance Issues related to Section 4022 of the CARES Act Issues related to the ability of NCUA to offer forbearance from Prompt Corrective Action Requirements Issues related to Temporarily Excluding Certain Low-Risk Assets from the Credit Union Net Worth Ratio Issues related to London Inter-Bank Offered Rate (LIBOR) Issues related to the regulation of Federal Employment Laws Issues related to the Office of Comptroller Charter Issues related to the Crypto Charter Issues related to the Solar Winds Data Breach Issues related to PPP Loan Necessity Questionnaires Issues related to SBA Economic Injury Disaster Loan Advances Issues related to Seasoned QM Loan Definitions Issues related to FHFA Strategic Plan for 2021-2024 Issues related to GSE Housing Goals Issues related to Member Business Lending Issues related to interest rate caps Issues related to Federal Housing Finance Agency's (FHFA) recapitalization plans Issues related to rental and mortgage payment assistance Issues related to BSA / AML Regulation Issues related to CECL Accounting requirements Issues related to climate control issues and effect on financial institutions Issues related to UDAAP guidance and requirements Issues related to risk-based capital requirements Issues related to NCUA's Communications and Transparency Issues related to Enterprise liquidity framework (FHFA) Issues related to the discussion draft of the Expanding Financial Access for Underserved Communities Act Issues related to the NCUA's Capitalization of Interest in Connection with Loan Workouts and Modifications Rulemaking Issues related to the Federal Reserve's proposed Regulation II Issues related to Capitalizing interest on consumer loans Issues related to Cryptocurrency Issues related to proposed postal banking pilot program Issues related to proposed new tax reporting requirements for financial institutions Issues related to the implementation of consumer financial protection laws Issues related to the safety and soundness regulations of credit unions Issues related to investment authority Issues related to BSA / AML regulation and Cannabis Banking Issues related to rate cap legislation and the Military Lending Act Issues related to credit card interchange fees and routing Issues related to FY22 National Defense Authorization Act Issues related to NCUA Central Liquidity Facility Issues related to Climate and Natural disaster risk management at regulated entities Issues related to PSPA / QM Conflict Issues related to CAMELS proposal Issues related to credit union coverage under GNMA rules Issues related to Cryptocurrency and digital assets Issues related to the re-nomination of Todd Harper to the NCUA Board Issues related to examining frameworks to address future pandemic risk Issues related to the NDAA rate cap proposals Issues related to the collection of checks and other items by Federal Reserve Banks and Funds Transfers through Fedwire Issues related to the potential modifications to the Federal Reserve policy on payment system risk H.J. Res 35, providing for Congressional disapproval under Chapter 8 of title 5, United States Code, of the rule submitted by the Office of the Comptroller of the Currency relating to "National Banks and Federal Savings Associations as Lenders" 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 the Currency relating to "National Banks and Federal Savings Associations as Lenders" H.R. 133, the Consolidated Appropriations Act (2020) H.R. 1319, American Rescue Plan Act of 2021 H.R. 1395, the Housing Financial Literacy Act of 2021 H.R. 1471, the Access to Credit for Small Businesses Impacted by the COVID-19 Crisis Act 0f 2021 H.R. 1996, Secure and Fair Enforcement (SAFE) Banking Act of 2021 H.R. 2040, the Financial Reporting Threshold Modernization Act H.R. 2311, To amend the Federal Credit Union Act to modernize certain processes regarding expulsion of credit union members for cause, and for other purposes H.R. 2547, the Comprehensive Debt Collection Improvement Act H.R. 3684, Infrastructure Investment and Jobs Act, Sec. 90005, Extension of enterprise guarantee fees H.R. 3958, Central Liquidity Facility Enhancement Act H.R. 4773, the Consumer Financial Protection Commission Act H.R. 4905, Promoting New and Diverse Depository Institutions Act H.R. 5305, Extending Government Funding and Delivering Emergency Assistance Act H.R. 5189, Member Business Loan Expansion Act S. 254, A bill to establish a Homeowner Assistance Fund at the Department of the Treasury S. 337, Stop Senior Scams Act S. 762, A bill to provide the National Credit Union Administration Board flexibility to increase Federal credit union loan maturities, and for other purposes S. 910, SAFE Banking Act of 2021 S. 1368, American Housing and Economic Mobility Act of 2021 S. 1767, the Credit Union Employee and Member Safety Act of 2021

Issues related to data breach, data security and privacy; S.337 - Stop Senior Scams Act, issues related to education regarding financial scams targeted at senior citizens; issues related to Dodd-Frank Act and provisions dealing with debit card interchange regulations

Client expense: $200,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, SENATE, U.S. Trade Representative (USTR), White House Office

No bill number. Discussed the Fraud, Scams and COVID-19: How Con Artists Have Targeted Older Americans During the Pandemic, hearing. H.R. 1215, the Fraud and Scam Reduction Act. S. 337, the Stop Senior Scams Act. S. 349, the Senior Fraud Prevention Act. H.R. 2668, the Consumer Protection and Recovery Act. No bill number. Discussed legislation to curb senior fraud and scams. No bill number. Discussed Covid-19 scams and tips for avoiding them. No bill number. Discussed awareness about scams and fraud.

Client expense: $2,980,000 · Firm income: Not reported

General lobbying on the following issue areas: Section 224 of the Communications Act (House and Senate); net neutrality (House and Senate); oversight of the Federal Communications Commission (House and Senate); privacy (House and Senate); cybersecurity (House and Senate); robocalling (House and Senate); broadband infrastructure (House and Senate); broadband deployment (House and Senate); broadband mapping (House and Senate); and Internet of things (IoT) (House and Senate); number portability (House and Senate). Specific lobbying on the following bills: H.R. 205 Accelerating Broadband Connectivity Act of 2021; H.R. 341 Ensuring Telehealth Expansion Act of 2021; H.R. 366 Protecting Access to Post-COVID-19 Telehealth Act of 2021; H.R. 476 Innovation Centers Acceleration Act; H.R. 596 ACCESS Act; H.R. 651 Public Health Emergency Privacy Act; H.R. 678 PHONE Act of 2021; H.R. 688 Equal Access to Care Act; H.R. 781 Veterans Telecommunication Protection Act; H.R. 869 RISE Act of 2021; H.R. 870 National Broadband Plan for the Future Act of 2021; H.R. 937 Tech To Save Moms Act; H.R. 981 IoT Readiness Act of 2021; H.R. 994 Justice is Not For Sale Act of 2021; H.R. 1032 Telecommunications Skilled Workforce Act; H.R. 1039 Coastal Broadband Deployment Act; H.R. 1042 Protecting Critical Infrastructure Act; H.R. 1043 Proportional Reviews for Broadband Deployment Act; H.R. 1044 Broadband MAPS Act; H.R. 1045 Broadband Resiliency and Flexible Investment Act; H.R. 1046 Federal Broadband Deployment in Unserved Areas Act; H.R. 1049 Expediting Federal Broadband Deployment Reviews Act; H.R. 1050 Connecting Communities Post Disasters Act of 2021; H.R. 1051 BROADBAND Leadership Act; H.R. 1053 TRUSTED Broadband Networks Act; H.R. 1055 Federal Broadband Deployment Tracking Act; H.R. 1056 Wireless Broadband Competition and Efficient Deployment Act; H.R. 1058 Wireless Resiliency and Flexible Investment Act; H.R. 1060 WIRELESS Leadership Act; H.R. 1067 Standard FEES Act; H.R. 1069 Streamlining Permitting to Enable Efficient Deployment of Broadband Infrastructure Act of 2021; H.R. 1073 Wildfire Wireless Resiliency Act; H.R. 1074 RAPID Act; H.R. 1084 Brownfields Broadband Deployment Act; H.R. 1103 CABLE Competition Act; H.R. 1141 Broadband Competition and Efficient Deployment Act; H.R. 1149 CONNECT Act; H.R. 1155 Uyghur Forced Labor Prevention Act; H.R. 1156 Facilitating DIGITAL Applications Act; H.R. 1215 Fraud and Scam Reduction Act; H.R. 1218 Data Mapping to Save Moms Lives Act; H.R. 1250 Emergency Reporting Act; H.R. 1334 DISCLOSE Act of 2021; H.R. 1362 BOOST Act; H.R. 1406 COVID-19 Emergency Telehealth Impact Reporting Act of 2021; H.R. 1555 To require the Federal Communications Commission to issue final rules to promote and incentivize the widespread adoption of broadband consumer labels and for other purposes; H.R. 1590 - Tribal Internet Expansion Act of 2021; H.R. 1700 To establish a broadband infrastructure finance and innovation program to make available loans loan guarantees and lines of credit for the construction and deployment of broadband infrastructure and for other purposes; H.R. 1714 - Speedy Updates Act of 2021; H.R. 1721 - To amend the Consolidated Appropriations Act of 2021 to authorize additional funds for the Emergency Broadband Connectivity Fund, to provide grants to states and tribal entities to strengthen the National Lifeline Eligibility Verifier, to provide federal coordination between the National Lifeline Eligibility Verifier and the National Accuracy Clearinghouse; H.R.1833 To amend the Homeland Security Act of 2002 to provide for the responsibility of the Cybersecurity and Infrastructure Security Agency to maintain capabilities to identify threats to industrial control systems, and for other purposes; H.R. 1841 - Digital Equality Act of 2021; H.R. 1848 LIFT America Act; H.R. 2183 To amend the Communications Act of 1934 to provide funding to States for extending broadband service to unserved areas in partnership with broadband service providers and for other purposes; H.R. 2398 Broadband Speed Act; H.R. 2400 - To allow Rural Utilities Service telecommunications grants to be made for the collection of broadband infrastructure data by local governments, economic development or other community organizations, electric or telephone cooperatives, and small Internet providers; H.R. 2501 - Spectrum Coordination Act; H.R. 2524 - Promoting Access to Broadband Act of 2021; H.R. 2665 - Local Telecom Expansion Act of 2021; H.R. 2666 - NO CAP Act; H.R. 2667 - Broadband Equipment Rental Reform Act; H.R. 2685 - Understanding Cybersecurity and Mobile Networks Act; H.R. 3003 - Promoting United States Wireless Leadership Act; H.R. 3346 - No Rate Regulation of Broadband Internet Access Act; H.R. 3369 - Broadband for Rural America Act; H.R. 3370 - To streamline broadband permitting process for broadband services, and for other purposes; H.R. 3376 - Expanding Opportunities for Broadband Deployment Act; H.R. 3435 - American Broadband Act; H.R. 3654 - To expand access to electromagnetic spectrum for the provision of broadband service in rural areas, and for other purposes; H.R. 4029 - To amend the NTIA Organization Act to establish and interagency national security review process, and for other purposes; H.R. 4329 - To amend the Rural Electrification Act of 1936 to improve access to broadband telecommunications services in rural areas, including by encouraging the provision of broadband loans and grants to increase broadband service in rural ports, and for other purposes; S. 113 BROWSER Act of 2021; S. 120 Safe Connections Act of 2021; S. 163 Telecommunications Skilled Workforce Act; S. 198 Data Mapping to Save Moms' Lives Act; S. 279 National Broadband Plan for the Future Act of 2021; S. 326 Measuring the Economic Impact of Broadband Act of 2021; S. 337 Stop Senior Scams Act; S. 390 Emergency Reporting Act; S. 436 American Broadband Buildout Act of 2021; S. 466 Kelsey Smith Act; S. 553 Government Spectrum Valuation Act; S. 592 Broadband Reserve Fund Act of 2021; S. 608 Keeping Critical Connections Act of 2021; S. 652 Moving FIRST Act; S. 724 A bill to require the Federal Communications Commission to make the provision of Wi-Fi access on school buses eligible for E-rate support; S. 741 Broadband Infrastructure Finance and Innovation Act of 2021; S. 745 Accessible Affordable Internet for All Act; S. 797 PACT Act; S. 922 A bill to amend the Communications Act of 1934 to provide funding to States for extending broadband service to unserved areas in partnership with broadband service providers and for other purposes; S. 944 A bill to amend the Communications Act of 1934 to establish a program to expand access to broadband in unserved and underserved areas and for other purposes; S. 979 A bill to amend the Consolidated Appropriations Act 2021 to authorize additional funds for the Emergency Broadband Connectivity Fund to provide grants to States and Tribal Entities to strengthen the National Lifeline Eligibility Verifier to provide for Federal coordination between the National Lifeline Eligibility Verifier and the National Accuracy Clearinghouse and for other purposes; S. 996 A bill to award grants to certain intuitions of higher education to educate and train students to participate in the telecommunications workforce; S. 1113 A bill to require Federal agencies to timely respond to right-of-way requests for the build out of broadband service, and for other purposes; S. 1260 - United States Innovation and Competition Act of 2021; S. 1460 - Community Broadband Act of 2021; S. 1472 - Improving Spectrum Coordination Act of 2021; S. 1563 - Telecommunications Supply Chain Diversity Promotion Act; S. 1676 - Rural Broadband Financing Flexibility Act; S. 1695 - BRIDGE Act; S. 1884 - A bill to ensure that fixed broadband Internet access service assisted by and federal broadband support program meets a minimum level of service; S. 1908 - A bill to amend the Rural Electrification Act of 1936 to improve access to broadband telecommunications services in rural areas, including by encouraging the provision of broadband loans and grants to increase broadband service in rural ports and other purposes; S. 2018 - Digital Equity Act of 2021; and S. 3151 - Connected Rural Schools Act.

Issues related to Federal Credit Union Charter Modernization Issues related to credit union operations Issues related to credit union field of membership Issues related to credit union service organization Issues related to NCUA's low income designation regulation Issues related to NCUA examination procedures Issues related to NCUA's regulation regarding liquidity Issues related to NCUA's rulemaking process Issues related to NCUA's regulatory review process Issues related to Federal Credit Union Bylaws Issues related to credit union loan maturity restrictions Issues related to credit union investment authority Issues related to Regulation of Federal Credit Union By-Laws Issues related to credit unions' incidental powers Issues related to credit union service to marijuana businesses Issues related to material loss reports of the NCUA Office of Inspector General Issues related to the regulation of corporate credit unions Issues related to fixed assets Issues related to credit union conversions Issues related to credit union call report modernization Issues related to NCUA's Corporate Credit Union Stabilization Plan Issues related to NCUA's budget and the overhead transfer rate Issues related to Credit Union Service Organizations (CUSO) Issues related to the authority of the CFPB to exempt credit unions from its rulemaking Issues related to the CFPB rule to remittances and international wire transfers Issues related to CFPB's Leadership structure and Installing a Board rather than a Director Issues related to codifying the CFPB's Credit Union Advisory Council Issues related to requiring SBREFA Panels for CFPB Rulemakings Issues related to overdraft protection and check ordering practices Issues related to mortgage servicing Issues related to mortgage loan originator compensation and qualifications Issues related to the CFPB's rule regarding qualified mortgage / ability to repay Issues related to the CFPB's regulation on Home Mortgage Disclosure Act (Regulation C) Issues related to the CFPB's regulation on Truth-In-Lending Act / Real Estate Settlement Procedures Act Integrated Disclosures Issues related to the payday, vehicle title, and similar lending Issues related to short term lending products and advance deposit products Issues related to the CFPB's consumer complaint database Issues related to the CFPB's consumer complaint database Issues related to the Department of Justice's investigation entitled, "Operation Choke Point" Issues related to indirect auto lending Issues related to credit union service to unbanked and underbanked consumers Issues related to the Financial Accounting Standards Board (FASB) Issues related to data and cyber security Issues related to mobile banking and mobile payments Issues related to identity theft and fraud reduction Issues related to secure payments Issues related to merchant data breaches Issues related to the payments system and innovation Issues related to the Fed's implementation of same-day ACH Issues related to the Bank Secrecy Act and Currency Transaction Reporting Requirements Issues related to the oversight of the Federal Housing Administration Issues related to the USDA Rural Development Loan Program Issues related to the Federal Home Loan Bank System Issues related to membership eligibility in the Federal Home Loan Bank System Issues related to financial literacy Issues related to Housing Finance Reform Issues related to student lending Issues related to the Economic Growth and Regulatory Paperwork Reduction Act Process Issues related to retirement security Issues related to flood insurance Issues related to consumer's access to records Issues related to Interchange Fees Issues related to the Equal Credit Opportunity Act Issues related to the Fair Housing Act Issues related to the merger of credit unions Issues related to the Real Estate Settlement Procedures Act Issues related to Community Reinvestment Act Issues related to Regulation Z Issues related to Military Lending Act Issues related to Financial Technology Issues related to Small Business Lending Data Collection requirements Issues related to Involuntary liquidation of Federal Credit Unions and Claims Procedures Issues related to Web-Bases Quantitative Testing of Point of Sale / ATM Overdraft Disclosure Forms Issues related to residential appraisals Issues related to FHA appraisal certification Issues related to FHA and USDA Loan Modifications Issues related to Faster Payments Issues related to the Fair Credit Reporting Act Issues related to cooperative funding sources in federal appropriations legislation Issues related to regulation of debt collection activity Issues related to capital reform for credit unions Issues related to diversity and inclusion in Financial Services Issues related to Section 124 of the Federal Credit Union Act Issues related to the Consumer Financial Protection Bureau's No-Action Letters and the BCFP Product Sandbox Issues related to enterprise validation and approval of credit score models Issues related to the availability of Funds and Collection of Checks (Regulation CC) Issues related to arbitration clauses Issues related to SBA 7(a) loan program Issues related to financial institutions operating on military installations Issues related to postal banking Issues related to Telephone Consumer Protection Act Issues related to financial technology (FINTECH) Issues related to robocalls and the draft Declatory Ruling (the ruling) and Third Further Notice of Proposted Rulemaking (FNPRM) CG Docket No 17-59, WC Docket No. 17 - 97 Issues related to payday and small dollar lending Issues related to leases of non-excess property on military bases Issues related to Opportunity Zones Issues related to minority homeownership Issues related to the ability of Federal Credit unions to establish their own fiscal year Issues related to a requirement that Federal credit unions file certain information regarding loan officers Issues related to enhancing flexibility of Federal Credit Unions to schedule board meetings Issues related to removing certain outdated responsibilites of Federal credit union board of directors Issues related to permitting Federal credit unions to expel disruptive members for just cause without a vote Issues related to permitting balloting for conversions from state to federal charter and from federal to state charter to be conducted electronically Issues related to PACE Loans Issues related to minority depository insitutions Issues related to AI and cloud computing Issues related to the Consumer Online Privacy Rights Act Issues related to COVID-19 crisis response legislation Issues related to the Paycheck Protection Program Issues related to Taxi Medallion loans Issues related to QRM Risk Retection Review Issues related to NCUA's proposed rule on combination transactions Issues related to the regulation of credit unions as employers Issues related to liability protections for businesses Issues related to remote notary Issues related to digital identity legislation Issues related Paid Leave Payroll Tax Credits Issues related to Economic Impact Payments Issues related to Fed Accounts Issues related to the Federal Reserve's Main Street Lending Program Issues related to troubled debt restructuring Issues related to Prompt Corective Action requirements Issues related to NCUA subordinated debt rulemaking Issues related to Uniform Residential Loan Application Issues related to digitalization of money Issues related to electronic signatures on wire transfer documents Issues related to cybercriminal activity during COVID-19 Issues related to lender forebearance Issues related to Paycheck Protection Program forgiveness process Issues related to Agriculture Lending Issues related to OCC payment charters Issues related to the Student Empowerment and Financial Literacy Act Issues related to OCC National Bank and Savings Association Digital Activities Issues related to the treatment of certain COVID-19 Loss Mitigation options under RESPA (Reg X) Issues related to premium assessments by the National Credit Union Share Insurance Issues related to the proposed exclusion of PPP Loans from financial institution asset calculations Issues related to Section 4013 of the CARES Act Issues related to Section 4016 of the CARES Act Issues related tot he oversight of prudential regulators Issues related to PAL 1 Program Issues related to credit union asset size thresholds for regulatory compliance Issues related to NCUA MERIT examination system Issues related to NCUA Derivatives rulemaking Issues related to mortgage servicer assistance Issues related to Section 4022 of the CARES Act Issues related to the ability of NCUA to offer forbearance from Prompt Corrective Action Requirements Issues related to Temporarily Excluding Certain Low-Risk Assets from the Credit Union Net Worth Ratio Issues related to London Inter-Bank Offered Rate (LIBOR) Issues related to the regulation of Federal Employment Laws Issues related to the Office of Comptroller Charter Issues related to the Crypto Charter Issues related to the Solar Winds Data Breach Issues related to PPP Loan Necessity Questionnaires Issues related to SBA Economic Injury Disaster Loan Advances Issues related to Seasoned QM Loan Definitions Issues related to FHFA Strategic Plan for 2021-2024 Issues related to GSE Housing Goals Issues related to Member Business Lending Issues related to interest rate caps Issues related to Federal Housing Finance Agency's (FHFA) recapitalization plans Issues related to rental and mortgage payment assistance Issues related to BSA / AML Regulation Issues related to CECL Accounting requirements Issues related to climate control issues and effect on financial institutions Issues related to UDAAP guidance and requirements Issues related to risk-based capital requirements Issues related to NCUA's Communications and Transparency Issues related to Enterprise liquidity framework (FHFA) Issues related to the discussion draft of the Expanding Financial Access for Underserved Communities Act Issues related to the NCUA's Capitalization of Interest in Connection with Loan Workouts and Modifications Rulemaking Issues related to the Federal Reserve's proposed Regulation II Issues related to Capitalizing interest on consumer loans Issues related to Cryptocurrency Issues related to proposed postal banking pilot program Issues related to proposed new tax reporting requirements for financial institutions Issues related to the implementation of consumer financial protection laws Issues related to the safety and soundness regulations of credit unions Issues related to investment authority Issues related to BSA / AML regulation and Cannabis Banking Issues related to rate cap legislation and the Military Lending Act Issues related to credit card interchange fees and routing Issues related to FY22 National Defense Authorization Act Issues related to NCUA Central Liquidity Facility Issues related to Climate and Natural disaster risk management at regulated entities Issues related to PSPA / QM Conflict Issues related to CAMELS proposal H.J. Res 35, providing for Congressional disapproval under Chapter 8 of title 5, United States Code, of the rule submitted by the Office of the Comptroller of the Currency relating to "National Banks and Federal Savings Associations as Lenders" 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 the Currency relating to "National Banks and Federal Savings Associations as Lenders" H.R. 133, the Consolidated Appropriations Act (2020) H.R. 1319, American Rescue Plan Act of 2021 H.R. 1395, the Housing Financial Literacy Act of 2021 H.R. 1471, the Access to Credit for Small Businesses Impacted by the COVID-19 Crisis Act 0f 2021 H.R. 1996, Secure and Fair Enforcement (SAFE) Banking Act of 2021 H.R. 2040, the Financial Reporting Threshold Modernization Act H.R. 2311, To amend the Federal Credit Union Act to modernize certain processes regarding expulsion of credit union members for cause, and for other purposes H.R. 2547, the Comprehensive Debt Collection Improvement Act H.R. 3958, Central Liquidity Facility Enhancement Act S. 254, A bill to establish a Homeowner Assistance Fund at the Department of the Treasury S. 337, Stop Senior Scams Act S. 762, A bill to provide the National Credit Union Administration Board flexibility to increase Federal credit union loan maturities, and for other purposes S. 910, SAFE Banking Act of 2021 S. 1368, American Housing and Economic Mobility Act of 2021 S. 1767, the Credit Union Employee and Member Safety Act of 2021

Issues related to data breach, data security and privacy; S.337 - Stop Senior Scams Act, issues related to education regarding financial scams targeted at senior citizens; issues related to Dodd-Frank Act and provisions dealing with debit card interchange regulations

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

Government targets: Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, SENATE, U.S. Trade Representative (USTR), White House Office

Public L.117-2, American Rescue Plan Act of 2021. H.R. 3489 - Reporting Instances of Non-authorized Grift (RING) Act of 2021. H.R. 1215, Fraud and Scam Reduction Act. S. 337, Stop Senior Scams Act. S. 594, the Anti-Spoofing Penalties Modernization Act. S. 15, Protecting Seniors from Emergencies Scams Act. H.R. 982/S. 349, Seniors Fraud Prevention Act. No bill number. Discussed Anti-Spoofing Penalties Modernization Act. No bill number. Discussed consumer protection issues. No bill number. Discussed Universal Service Fund (USF) contribution reform. No bill number. Discussed Fraud and Scam hearing. No bill number. Discussed legislation to curb illegal robocalls. No bill number. Discussed COVID relief package. H.R. 4143, Know Your Social Security Act. H.R. 4072, Social Security Child Protection Act. H.R. 2997, Crash Avoidance System Evaluation Act.

Client expense: $2,720,000 · Firm income: Not reported

General lobbying on the following issue areas: Section 224 of the Communications Act (House and Senate); net neutrality (House and Senate); oversight of the Federal Communications Commission (House and Senate); privacy (House and Senate); cybersecurity (House and Senate); robocalling (House and Senate); broadband infrastructure (House and Senate); broadband deployment (House and Senate); broadband mapping (House and Senate); and Internet of things (IoT) (House and Senate); number portability (House and Senate). Specific lobbying on the following bills: H.R. 205 Accelerating Broadband Connectivity Act of 2021 H.R. 341 Ensuring Telehealth Expansion Act of 2021 H.R. 366 Protecting Access to Post-COVID-19 Telehealth Act of 2021 H.R. 476 Innovation Centers Acceleration Act H.R. 596 ACCESS Act H.R. 651 Public Health Emergency Privacy Act H.R. 688 Equal Access to Care Act H.R. 781 Veterans Telecommunication Protection Act H.R. 869 RISE Act of 2021 H.R. 870 National Broadband Plan for the Future Act of 2021 H.R. 937 Tech To Save Moms Act H.R. 981 IoT Readiness Act of 2021 H.R. 994 Justice is Not For Sale Act of 2021 H.R. 1032 Telecommunications Skilled Workforce Act H.R. 1039 Coastal Broadband Deployment Act H.R. 1042 Protecting Critical Infrastructure Act H.R. 1043 Proportional Reviews for Broadband Deployment Act H.R. 1044 Broadband MAPS Act H.R. 1045 Broadband Resiliency and Flexible Investment Act H.R. 1046 Federal Broadband Deployment in Unserved Areas Act H.R. 1049 Expediting Federal Broadband Deployment Reviews Act H.R. 1050 Connecting Communities Post Disasters Act of 2021 H.R. 1051 BROADBAND Leadership Act H.R. 1055 Federal Broadband Deployment Tracking Act H.R. 1056 Wireless Broadband Competition and Efficient Deployment Act H.R. 1058 Wireless Resiliency and Flexible Investment Act H.R. 1060 WIRELESS Leadership Act H.R. 1067 Standard FEES Act H.R. 1069 Streamlining Permitting to Enable Efficient Deployment of Broadband Infrastructure Act of 2021 H.R. 1073 Wildfire Wireless Resiliency Act H.R. 1074 RAPID Act H.R. 1084 Brownfields Broadband Deployment Act H.R. 1103 CABLE Competition Act H.R. 1141 Broadband Competition and Efficient Deployment Act H.R. 1149 CONNECT Act H.R. 1155 Uyghur Forced Labor Prevention Act H.R. 1156 Facilitating DIGITAL Applications Act H.R. 1215 Fraud and Scam Reduction Act H.R. 1218 Data Mapping to Save Moms Lives Act H.R. 1250 Emergency Reporting Act H.R. 1334 DISCLOSE Act of 2021 H.R. 1362 BOOST Act H.R. 1406 COVID-19 Emergency Telehealth Impact Reporting Act of 2021 H.R. 1555 To require the Federal Communications Commission to issue final rules to promote and incentivize the widespread adoption of broadband consumer labels and for other purposes. H.R. 1700 To establish a broadband infrastructure finance and innovation program to make available loans loan guarantees and lines of credit for the construction and deployment of broadband infrastructure and for other purposes. H.R.1833 To amend the Homeland Security Act of 2002 to provide for the responsibility of the Cybersecurity and Infrastructure Security Agency to maintain capabilities to identify threats to industrial control systems, and for other purposes. H.R. 1848 To rebuild and modernize the Nation's infrastructure to expand access to broadband and Next Generation 9-1-1 rehabilitate drinking water infrastructure modernize the electric grid and energy supply infrastructure redevelop brownfields strengthen health care infrastructure create jobs and protect public health and the environment and for other purposes. H.R. 2183 To amend the Communications Act of 1934 to provide funding to States for extending broadband service to unserved areas in partnership with broadband service providers and for other purposes. H.R. 2398 To improve the Federal Communication Commission's collection of broadband speed data in order to support the effective deployment of broadband services to all areas in the United States and for other purposes. H.R. 2400 To allow Rural Utilities Service telecommunications grants to be made for the collection of broadband infrastructure data by local governments economic development or other community organizations electric or telephone cooperatives and small internet providers. S. 113 BROWSER Act of 2021 S. 120 Safe Connections Act of 2021 S. 163 Telecommunications Skilled Workforce Act S. 198 Data Mapping to Save Moms' Lives Act S. 279 National Broadband Plan for the Future Act of 2021 S. 326 Measuring the Economic Impact of Broadband Act of 2021 S. 337 Stop Senior Scams Act S. 390 Emergency Reporting Act S. 436 American Broadband Buildout Act of 2021 S. 466 Kelsey Smith Act S. 553 Government Spectrum Valuation Act S. 592 Broadband Reserve Fund Act of 2021 S. 608 Keeping Critical Connections Act of 2021 S. 652 Moving FIRST Act S. 724 A bill to require the Federal Communications Commission to make the provision of Wi-Fi access on school buses eligible for E-rate support. S. 741 Broadband Infrastructure Finance and Innovation Act of 2021 S. 745 Accessible Affordable Internet for All Act S. 797 PACT Act S. 922 A bill to amend the Communications Act of 1934 to provide funding to States for extending broadband service to unserved areas in partnership with broadband service providers and for other purposes. S. 944 A bill to amend the Communications Act of 1934 to establish a program to expand access to broadband in unserved and underserved areas and for other purposes. S. 979 A bill to amend the Consolidated Appropriations Act 2021 to authorize additional funds for the Emergency Broadband Connectivity Fund to provide grants to States and Tribal Entities to strengthen the National Lifeline Eligibility Verifier to provide for Federal coordination between the National Lifeline Eligibility Verifier and the National Accuracy Clearinghouse and for other purposes. S. 996 A bill to award grants to certain intuitions of higher education to educate and train students to participate in the telecommunications workforce. S. 1113 A bill to require Federal agencies to timely respond to right-of-way requests for the build-out of broadband service, and for other purposes.

Issues related to Federal Credit Union Charter Modernization Issues related to credit union operations Issues related to credit union field of membership Issues related to credit union service organization Issues related to NCUA's low income designation regulation Issues related to NCUA examination procedures Issues related to NCUA's regulation regarding liquidity Issues related to NCUA's rulemaking process Issues related to NCUA's regulatory review process Issues related to Federal Credit Union Bylaws Issues related to credit union loan maturity restrictions Issues related to credit union investment authority Issues related to Regulation of Federal Credit Union By-Laws Issues related to credit unions' incidental powers Issues related to credit union service to marijuana businesses Issues related to material loss reports of the NCUA Office of Inspector General Issues related to the regulation of corporate credit unions Issues related to fixed assets Issues related to credit union conversions Issues related to credit union call report modernization Issues related to NCUA's Corporate Credit Union Stabilization Plan Issues related to NCUA's budget and the overhead transfer rate Issues related to Credit Union Service Organizations (CUSO) Issues related to the authority of the CFPB to exempt credit unions from its rulemaking Issues related to the CFPB rule to remittances and international wire transfers Issues related to CFPB's Leadership structure and Installing a Board rather than a Director Issues related to codifying the CFPB's Credit Union Advisory Council Issues related to requiring SBREFA Panels for CFPB Rulemakings Issues related to overdraft protection and check ordering practices Issues related to mortgage servicing Issues related to mortgage loan originator compensation and qualifications Issues related to the CFPB's rule regarding qualified mortgage / ability to repay Issues related to the CFPB's regulation on Home Mortgage Disclosure Act (Regulation C) Issues related to the CFPB's regulation on Truth-In-Lending Act / Real Estate Settlement Procedures Act Integrated Disclosures Issues related to the payday, vehicle title, and similar lending Issues related to short term lending products and advance deposit products Issues related to the CFPB's consumer complaint database Issues related to the CFPB's consumer complaint database Issues related to the Department of Justice's investigation entitled, "Operation Choke Point" Issues related to indirect auto lending Issues related to credit union service to unbanked and underbanked consumers Issues related to the Financial Accounting Standards Board (FASB) Issues related to data and cyber security Issues related to mobile banking and mobile payments Issues related to identity theft and fraud reduction Issues related to secure payments Issues related to merchant data breaches Issues related to the payments system and innovation Issues related to the Fed's implementation of same-day ACH Issues related to the Bank Secrecy Act and Currency Transaction Reporting Requirements Issues related to the oversight of the Federal Housing Administration Issues related to the USDA Rural Development Loan Program Issues related to the Federal Home Loan Bank System Issues related to membership eligibility in the Federal Home Loan Bank System Issues related to financial literacy Issues related to Housing Finance Reform Issues related to student lending Issues related to the Economic Growth and Regulatory Paperwork Reduction Act Process Issues related to retirement security Issues related to flood insurance Issues related to consumer's access to records Issues related to Interchange Fees Issues related to the Equal Credit Opportunity Act Issues related to the Fair Housing Act Issues related to the merger of credit unions Issues related to the Real Estate Settlement Procedures Act Issues related to Community Reinvestment Act Issues related to Regulation Z Issues related to Military Lending Act Issues related to Financial Technology Issues related to Small Business Lending Data Collection requirements Issues related to Involuntary liquidation of Federal Credit Unions and Claims Procedures Issues related to Web-Bases Quantitative Testing of Point of Sale / ATM Overdraft Disclosure Forms Issues related to residential appraisals Issues related to FHA appraisal certification Issues related to FHA and USDA Loan Modifications Issues related to Faster Payments Issues related to the Fair Credit Reporting Act Issues related to cooperative funding sources in federal appropriations legislation Issues related to regulation of debt collection activity Issues related to capital reform for credit unions Issues related to diversity and inclusion in Financial Services Issues related to Section 124 of the Federal Credit Union Act Issues related to the Consumer Financial Protection Bureau's No-Action Letters and the BCFP Product Sandbox Issues related to enterprise validation and approval of credit score models Issues related to the availability of Funds and Collection of Checks (Regulation CC) Issues related to arbitration clauses Issues related to SBA 7(a) loan program Issues related to financial institutions operating on military installations Issues related to postal banking Issues related to Telephone Consumer Protection Act Issues related to financial technology (FINTECH) Issues related to robocalls and the draft Declatory Ruling (the ruling) and Third Further Notice of Proposted Rulemaking (FNPRM) CG Docket No 17-59, WC Docket No. 17 - 97 Issues related to payday and small dollar lending Issues related to leases of non-excess property on military bases Issues related to Opportunity Zones Issues related to minority homeownership Issues related to the ability of Federal Credit unions to establish their own fiscal year Issues related to a requirement that Federal credit unions file certain information regarding loan officers Issues related to enhancing flexibility of Federal Credit Unions to schedule board meetings Issues related to removing certain outdated responsibilites of Federal credit union board of directors Issues related to permitting Federal credit unions to expel disruptive members for just cause without a vote Issues related to permitting balloting for conversions from state to federal charter and from federal to state charter to be conducted electronically Issues related to PACE Loans Issues related to minority depository insitutions Issues related to AI and cloud computing Issues related to the Consumer Online Privacy Rights Act Issues related to COVID-19 crisis response legislation Issues related to the Paycheck Protection Program Issues related to Taxi Medallion loans Issues related to QRM Risk Retection Review Issues related to NCUA's proposed rule on combination transactions Issues related to the regulation of credit unions as employers Issues related to liability protections for businesses Issues related to remote notary Issues related to digital identity legislation Issues related Paid Leave Payroll Tax Credits Issues related to Economic Impact Payments Issues related to Fed Accounts Issues related to the Federal Reserve's Main Street Lending Program Issues related to troubled debt restructuring Issues related to Prompt Corective Action requirements Issues related to NCUA subordinated debt rulemaking Issues related to Uniform Residential Loan Application Issues related to digitalization of money Issues related to electronic signatures on wire transfer documents Issues related to cybercriminal activity during COVID-19 Issues related to lender forebearance Issues related to Paycheck Protection Program forgiveness process Issues related to Agriculture Lending Issues related to OCC payment charters Issues related to the Student Empowerment and Financial Literacy Act Issues related to OCC National Bank and Savings Association Digital Activities Issues related to the treatment of certain COVID-19 Loss Mitigation options under RESPA (Reg X) Issues related to premium assessments by the National Credit Union Share Insurance Issues related to the proposed exclusion of PPP Loans from financial institution asset calculations Issues related to Section 4013 of the CARES Act Issues related to Section 4016 of the CARES Act Issues related tot he oversight of prudential regulators Issues related to PAL 1 Program Issues related to credit union asset size thresholds for regulatory compliance Issues related to NCUA MERIT examination system Issues related to NCUA Derivatives rulemaking Issues related to mortgage servicer assistance Issues related to Section 4022 of the CARES Act Issues related to the ability of NCUA to offer forbearance from Prompt Corrective Action Requirements Issues related to Temporarily Excluding Certain Low-Risk Assets from the Credit Union Net Worth Ratio Issues related to London Inter-Bank Offered Rate (LIBOR) Issues related to the regulation of Federal Employment Laws Issues related to the Office of Comptroller Charter Issues related to the Crypto Charter Issues related to the Solar Winds Data Breach Issues related to PPP Loan Necessity Questionnaires Issues related to SBA Economic Injury Disaster Loan Advances Issues related to Seasoned QM Loan Definitions Issues related to FHFA Strategic Plan for 2021-2024 Issues related to GSE Housing Goals Issues related to Member Business Lending Issues related to interest rate caps Issues related to Federal Housing Finance Agency's (FHFA) recapitalization plans Issues related to rental and mortgage payment assistance Issues related to BSA / AML Regulation Issues related to CECL Accounting requirements Issues related to climate control issues and effect on financial institutions Issues related to UDAAP guidance and requirements Issues related to risk-based capital requirements Issues related to NCUA's Communications and Transparency Issues related to Enterprise liquidity framework (FHFA) H.R. 133, the Consolidated Appropriations Act (2020) H.R. 1319, American Rescue Plan Act of 2021 H.R. 1471, the Access to Credit for Small Businesses Impacted by the COVID-19 Crisis Act 0f 2021 H.R. 1996, Secure and Fair Enforcement (SAFE) Banking Act of 2021 H.R. 2040, the Financial Reporting Threshold Modernization Act H.R. 2311, To amend the Federal Credit Union Act to modernize certain processes regarding expulsion of credit union members for cause, and for other purposes S. 254, A bill to establish a Homeowner Assistance Fund at the Department of the Treasury S. 337, Stop Senior Scams Act S. 762, A bill to provide the National Credit Union Administration Board flexibility to increase Federal credit union loan maturities, and for other purposes S. 910, A bill to create protections for financial institutions that provide financial services to cannabis-related legitimate businesses and service providers for such businesses, and for other purposes

Issues related to data breach; data security and privacy; issues related to Dodd-Frank Act and provisions dealing with debit card interchange regulations; S.337 - Stop Senior Scams Act, issues related to education regarding financial scams targeted at senior citizens

Client expense: $370,000 · Firm income: Not reported

Government targets: Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, SENATE, U.S. Trade Representative (USTR), White House Office

Public L.117-2, American Rescue Plan Act of 2021 H.R. 1215, Fraud and Scam Reduction Act S. 337, Stop Senior Scams Act S. 594, the Anti-Spoofing Penalties Modernization Act S. 15, Protecting Seniors from Emergencies Scams Act H.R. 982/S. 349, Seniors Fraud Prevention Act No bill number - Discussed Anti-Spoofing Penalties Modernization Act No bill number - Discussed consumer Protection issues No bill number - Discussed Universal Service Fund (USF) contribution reform No bill number - Discussed Fraud and Scam hearing No bill number - Discussed legislation to curb illegal robocalls No bill number - Discussed "Reporting Instances of Non-authorized Grift Act (RING) Act of 2021 No bill number - Discussed COVID relief package

Client expense: $2,840,000 · Firm income: Not reported