Economic Continuity and Stability Act

Issues relating to banking institutions impacting reform. Matters related to Community Reinvestment Act (CRA), Current Expected Credit Loss (CECL); Matters relating to financial services regulatory reform, U.S. payments systems, anti-money laundering, beneficial ownership; nominations; and bank climate-related stress tests/scenario analysis. H.R. 2471, the Consolidated Appropriations Act 2022; S.3844, Economic Continuity and Stability Act; S. 3600 Strengthening American Cybersecurity Act; and H.R. 5991, the Fair Hiring in Banking Act; S.1838, Credit Card Competition Act of 2023; S.2760, Capping Credit Card Interest Rates Act; S.2190; H.R. 7531, Secure Payments Act of 2024.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues relating to banking institutions impacting reform. Matters related to Community Reinvestment Act (CRA), Current Expected Credit Loss (CECL); Matters relating to financial services regulatory reform, U.S. payments systems, anti-money laundering, beneficial ownership; nominations; and bank climate-related stress tests/scenario analysis. H.R. 2471, the Consolidated Appropriations Act 2022; S.3844, Economic Continuity and Stability Act; S. 3600 Strengthening American Cybersecurity Act; and H.R. 5991, the Fair Hiring in Banking Act; S.1838, Credit Card Competition Act of 2023; S.2760, Capping Credit Card Interest Rates Act; S.2190; H.R. 7531, Secure Payments Act of 2024; S.3538, Close the Shadow Banking Loophole Act.

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

Issues relating to banking institutions impacting reform. Matters related to Community Reinvestment Act (CRA), Current Expected Credit Loss (CECL); Paycheck Protection Program. Matters relating to financial services regulatory reform, U.S. payments systems, anti-money laundering, beneficial ownership; nominations; and bank climate-related stress tests/scenario analysis. H.R. 2471, the Consolidated Appropriations Act 2022; S.3844, Economic Continuity and Stability Act; S. 3600 Strengthening American Cybersecurity Act; and H.R. 5991, the Fair Hiring in Banking Act; S.1838, Credit Card Competition Act of 2023; S.2760, Capping Credit Card Interest Rates Act; S.2190, The Recovering Executive Compensation from Unaccountable Practices (RECOUP) Act of 2023. H.R. 7531, Secure Payments Act of 2024; S.3538, Close the Shadow Banking Loophole Act; S.2190, Recovering Executive Compensation Obtained from Unaccountable Practices Act of 2023 (RECOUP Act of 2023).

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

Issues relating to banking institutions impacting reform. Matters related to Community Reinvestment Act (CRA), Current Expected Credit Loss (CECL); Paycheck Protection Program. Matters relating to financial services regulatory reform, U.S. payments systems, anti-money laundering, beneficial ownership; nominations; and bank climate-related stress tests/scenario analysis. H.R. 2471, the Consolidated Appropriations Act 2022; S.3844, Economic Continuity and Stability Act; S. 3600 Strengthening American Cybersecurity Act; and H.R. 5991, the Fair Hiring in Banking Act; S.1838, Credit Card Competition Act of 2023; S.2760, Capping Credit Card Interest Rates Act; S.2190, The Recovering Executive Compensation from Unaccountable Practices (RECOUP) Act of 2023. H.R. 7531, Secure Payments Act of 2024; S.3538, Close the Shadow Banking Loophole Act; S.2190, Recovering Executive Compensation Obtained from Unaccountable Practices Act of 2023 (RECOUP Act of 2023).

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

Issues relating to banking institutions impacting reform. Matters related to Community Reinvestment Act (CRA), Current Expected Credit Loss(CECL); Paycheck Protection Program. Matters relating to financial services regulatory reform, U.S. payments systems, anti-money laundering, beneficial ownership; nominations; and bank climate-related stress tests/scenario analysis. H.R. 2471, the Consolidated Appropriations Act 2022; S.3844, Economic Continuity and Stability Act; S. 3600 Strengthening American Cybersecurity Act; and H.R. 5991, the Fair Hiring in Banking Act; S.1838, Credit Card Competition Act of 2023; S.2760, Capping Credit Card Interest Rates Act; S.2190, The Recovering Executive Compensation from Unaccountable Practices (RECOUP) Act of 2023. H.R. 7531, Secure Payments Act of 2024; S.3538, Close the Shadow Banking Loophole Act; S.2190, Recovering Executive Compensation Obtained from Unaccountable Practices Act of 2023 (RECOUP Act of 2023).

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

Issues relating to banking institutions impacting reform; Re-authorization of the National Flood Insurance Program and Current Expected Credit Loss (CECL); Matters relating to financial services regulatory reform, U.S. payments systems, anti-money laundering, beneficial ownership; matters related to the London Interbank Offered Rate (LIBOR); and bank climate-related stress tests/scenario analysis; S. 3844, Economic Continuity and Stability Act; S. 3600 Strengthening American Cybersecurity Act; and H.R. 5991, the Fair Hiring in Banking Act; Joint Agency Proposal to revise bank capital requirements; Secure Payments Act.

Client expense: Not reported · Firm income: $45,000

Issues relating to banking institutions impacting reform. Matters related to Community Reinvestment Act (CRA), Current Expected Credit Loss (CECL); Paycheck Protection Program. Matters relating to financial services regulatory reform, U.S. payments systems, anti-money laundering, beneficial ownership; nominations; and bank climate-related stress tests/scenario analysis. H.R. 2471, the Consolidated Appropriations Act 2022; S. 3844, Economic Continuity and Stability Act; S. 3600 Strengthening American Cybersecurity Act; and H.R. 5991, the Fair Hiring in Banking Act; S.1838, Credit Card Competition Act of 2023; S.2760, Capping Credit Card Interest Rates Act; S.2190, The Recovering Executive Compensation from Unaccountable Practices (RECOUP) Act of 2023. H.R. 7531, Secure Payments Act of 2024; S.3538, Close the Shadow Banking Loophole Act; S.2190, Recovering Executive Compensation Obtained from Unaccountable Practices Act of 2023 (RECOUP Act of 2023).

Client expense: $470,000 · Firm income: Not reported

Issues relating to banking institutions impacting reform; Re-authorization of the National Flood Insurance Program and Current Expected Credit Loss (CECL); Matters relating to financial services regulatory reform, U.S. payments systems, anti-money laundering, beneficial ownership; matters related to the London Interbank Offered Rate (LIBOR); and bank climate-related stress tests/scenario analysis; S. 3844, Economic Continuity and Stability Act; S. 3600 Strengthening American Cybersecurity Act; and H.R. 5991, the Fair Hiring in Banking Act; Joint Agency Proposal to revise bank capital requirements.

Client expense: Not reported · Firm income: $45,000

Issues relating to banking institutions impacting reform. Matters related to Community Reinvestment Act (CRA), Current Expected Credit Loss (CECL); Paycheck Protection Program. Matters relating to financial services regulatory reform, U.S. payments systems, anti-money laundering, beneficial ownership; nominations; and bank climate-related stress tests/scenario analysis. H.R. 2471, the Consolidated Appropriations Act 2022; S. 3844, Economic Continuity and Stability Act; S. 3600 Strengthening American Cybersecurity Act; and H.R. 5991, the Fair Hiring in Banking Act; S.1838, Credit Card Competition Act of 2023; S.2760, Capping Credit Card Interest Rates Act; S.2190, The Recovering Executive Compensation from Unaccountable Practices (RECOUP) Act of 2023. H.R. 7531, Secure Payments Act of 2024; S.3538, Close the Shadow Banking Loophole Act; S.2190, Recovering Executive Compensation Obtained from Unaccountable Practices Act of 2023 (RECOUP Act of 2023).

Client expense: $1,330,000 · Firm income: Not reported

Issues relating to banking institutions impacting reform. Matters related to Community Reinvestment Act (CRA), Current Expected Credit Loss (CECL); Paycheck Protection Program. Matters relating to financial services regulatory reform, U.S. payments systems, anti-money laundering, beneficial ownership; nominations; and bank climate-related stress tests/scenario analysis. H.R. 2471, the Consolidated Appropriations Act 2022; S. 3844, Economic Continuity and Stability Act; S. 3600 Strengthening American Cybersecurity Act; and H.R. 5991, the Fair Hiring in Banking Act; S.1838, Credit Card Competition Act of 2023; S.2760, Capping Credit Card Interest Rates Act; S.2190, The Recovering Executive Compensation from Unaccountable Practices (RECOUP) Act of 2023. S.3538, Close the Shadow Banking Loophole Act; S.2190, Recovering Executive Compensation Obtained from Unaccountable Practices Act of 2023 (RECOUP Act of 2023).

Client expense: $480,000 · Firm income: Not reported

Issues relating to banking institutions impacting reform; Re-authorization of the National Flood Insurance Program and Current Expected Credit Loss (CECL); Matters relating to financial services regulatory reform, U.S. payments systems, anti-money laundering, beneficial ownership; matters related to the London Interbank Offered Rate (LIBOR);nominations; and bank climate-related stress tests/scenario analysis; S. 3844, Economic Continuity and Stability Act; S. 3600 Strengthening American Cybersecurity Act; and H.R. 5991, the Fair Hiring in Banking Act; Joint Agency Proposal to revise bank capital requirements.

Client expense: Not reported · Firm income: $45,000

Issues relating to banking institutions impacting reform. Matters related to Community Reinvestment Act (CRA), Current Expected Credit Loss (CECL); Paycheck Protection Program. Matters relating to financial services regulatory reform, U.S. payments systems, anti-money laundering, beneficial ownership;; nominations; and bank climate-related stress tests/scenario analysis. H.R. 2471, the Consolidated Appropriations Act 2022; S. 3844, Economic Continuity and Stability Act; S. 3600 Strengthening American Cybersecurity Act; and H.R. 5991, the Fair Hiring in Banking Act; S.1838, Credit Card Competition Act of 2023; S.2760, Capping Credit Card Interest Rates Act; S.2190, The Recovering Executive Compensation from Unaccountable Practices (RECOUP) Act of 2023.

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

Issues relating to banking institutions impacting reform; Matters related to Community Reinvestment Act (CRA), Re-authorization of the National Flood Insurance Program and Current Expected Credit Loss (CECL); Matters relating to financial services regulatory reform, U.S. payments systems, anti-money laundering, beneficial ownership; matters related to the London Interbank Offered Rate (LIBOR);nominations; and bank climate-related stress tests/scenario analysis; S. 3844, Economic Continuity and Stability Act; S. 3600 Strengthening American Cybersecurity Act; and H.R. 5991, the Fair Hiring in Banking Act.

Client expense: Not reported · Firm income: $45,000

Issues relating to banking institutions impacting reform. Matters related to Community Reinvestment Act (CRA), Re-authorization of the National Flood Insurance Program and Current Expected Credit Loss (CECL); Matters relating to financial services regulatory reform, U.S. payments systems, anti-money laundering, beneficial ownership; matters related to the London Interbank Offered Rate (LIBOR);nominations; and bank climate-related stress tests/scenario analysis; S. 3844, Economic Continuity and Stability Act; S. 3600 Strengthening American Cybersecurity Act; and H.R. 5991, the Fair Hiring in Banking Act.

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

Issues relating to banking institutions impacting reform. Matters related to Community Reinvestment Act (CRA), Current Expected Credit Loss (CECL); Paycheck Protection Program. Matters relating to financial services regulatory reform, U.S. payments systems, anti-money laundering, beneficial ownership;; nominations; and bank climate-related stress tests/scenario analysis. H.R. 2471, the Consolidated Appropriations Act 2022; S. 3844, Economic Continuity and Stability Act; S. 3600 Strengthening American Cybersecurity Act; and H.R. 5991, the Fair Hiring in Banking Act.

Client expense: $570,000 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of

Issues relating to banking institutions impacting reform. Matters related to Community Reinvestment Act (CRA), Current Expected Credit Loss (CECL); Paycheck Protection Program. Matters relating to financial services regulatory reform, U.S. payments systems, anti-money laundering, beneficial ownership;; nominations; and bank climate-related stress tests/scenario analysis. H.R. 2471, the Consolidated Appropriations Act 2022; S. 3844, Economic Continuity and Stability Act; S. 3600 Strengthening American Cybersecurity Act; and H.R. 5991, the Fair Hiring in Banking Act.

Client expense: $1,930,000 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of

Issues relating to banking institutions impacting reform. Matters related to Community Reinvestment Act (CRA), Re-authorization of the National Flood Insurance Program and Current Expected Credit Loss (CECL); Matters relating to financial services regulatory reform, U.S. payments systems, anti-money laundering, beneficial ownership; matters related to the London Interbank Offered Rate (LIBOR);nominations; and bank climate-related stress tests/scenario analysis; S. 3844, Economic Continuity and Stability Act; S. 3600 Strengthening American Cybersecurity Act; and H.R. 5991, the Fair Hiring in Banking Act.

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

Met with House and Senate on issues impacting GSIBs Met with House and Senate on equity market structure Met with House and Senate on climate issues Met with House and Senate staff on cybersecurity issues Met with House on racial equity and diversity inclusion issues Met with House and Senate on digital assets and crypto Met with House and Senate on sanctions legislation Met with House and Senate on markets regulations Met with House on draft stablecoin legislation S.1260, United States Innovation and Competition Act of 2021 - all provisions S.2349, Protecting Consumers from Unreasonable Credit Rates Act of 2021 - all provisions S.2508, Veterans and Consumers Fair Credit Report - all provisions S.3844, Economic Continuity and Stability Act - all provisions S.4674, Credit Card Competition Act of 2022 - all provisions H.R.4521, America COMPETES Act of 2022 - issues related to outbound investments H.R.8874, The Credit Card Competition Act - all provisions

Client expense: $1,310,000 · Firm income: Not reported

Issues relating to banking institutions impacting reform. Matters related to Community Reinvestment Act (CRA), Current Expected Credit Loss (CECL); Paycheck Protection Program. Matters relating to financial services regulatory reform, U.S. payments systems, anti-money laundering, beneficial ownership;; nominations; and bank climate-related stress tests/scenario analysis. H.R. 2471, the Consolidated Appropriations Act 2022; S. 3844, Economic Continuity and Stability Act; S. 3600 Strengthening American Cybersecurity Act; and H.R. 5991, the Fair Hiring in Banking Act.

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

Government targets: Consumer Financial Protection Bureau (CFPB), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of

Issues relating to banking institutions impacting reform; Matters related to Community Reinvestment Act (CRA), Re-authorization of the National Flood Insurance Program and Current Expected Credit Loss (CECL); Matters relating to financial services regulatory reform, U.S. payments systems, anti-money laundering, beneficial ownership; matters related to the London Interbank Offered Rate (LIBOR);nominations; and bank climate-related stress tests/scenario analysis, S. 3844, Economic Continuity and Stability Act; S. 3600 Strengthening American Cybersecurity Act; and H.R. 5991, the Fair Hiring in Banking Act.

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

Met with House and Senate on issues impacting GSIBs Met with House and Senate on Fintech charters and issues Met with House and Senate on equity market structure Met with House and Senate on climate issues Met with House and Senate staff on cybersecurity issues Met with House on racial equity and diversity inclusion issues Met with House and Senate on digital assets and crypto Met with House and Senate on sanctions legislation Met with House and Senate on markets regulations Met with House on draft stablecoin legislation S.1260, United States Innovation and Competition Act of 2021 - all provisions S.2349, Protecting Consumers from Unreasonable Credit Rates Act of 2021 - all provisions S.2508, Veterans and Consumers Fair Credit Report - all provisions S.3755, Arbitration Fairness for Consumers Act - all provisions S.3844, Economic Continuity and Stability Act - all provisions S.4674, Credit Card Competition Act of 2022 - all provisions H.R.963, Forced Arbitration Injustice Repeal Act - all provisions H.R.4521, America COMPETES Act of 2022 - issues related to outbound investments H.R.8874, The Credit Card Competition Act - all provisions

Client expense: $1,300,000 · Firm income: Not reported

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

Issues relating to banking institutions impacting reform. Matters related to Community Reinvestment Act (CRA), Re-authorization of the National Flood Insurance Program and Current Expected Credit Loss (CECL); Paycheck Protection Program. Matters relating to financial services regulatory reform, U.S. payments systems, anti-money laundering, beneficial ownership; matters related to the London Interbank Offered Rate (LIBOR); nominations; and bank climate-related stress tests/scenario analysis. H.R. 2471, the Consolidated Appropriations Act 2022; S. 3844, Economic Continuity and Stability Act; S. 3600 Strengthening American Cybersecurity Act; and H.R. 5991, the Fair Hiring in Banking Act.

Client expense: $470,000 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of

Issues relating to banking institutions impacting reform; Matters related to Community Reinvestment Act (CRA), Re-authorization of the National Flood Insurance Program and Current Expected Credit Loss (CECL); Matters relating to financial services regulatory reform, U.S. payments systems, anti-money laundering, beneficial ownership; matters related to the London Interbank Offered Rate (LIBOR);nominations; and bank climate-related stress tests/scenario analysis, S. 3844, Economic Continuity and Stability Act; S. 3600 Strengthening American Cybersecurity Act; and H.R. 5991, the Fair Hiring in Banking Act.

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

S.3844, Economic Continuity and Stability Act, provisions relating to LIBOR contracts. H.R.4616, Adjustable Interest Rate (LIBOR) Act of 2021, provisions relating to LIBOR contracts.

Client expense: $520,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues relating to banking institutions impacting reform. Matters related to Community Reinvestment Act (CRA), Re-authorization of the National Flood Insurance Program and Current Expected Credit Loss (CECL); Paycheck Protection Program. Matters relating to financial services regulatory reform, U.S. payments systems, anti-money laundering, beneficial ownership; matters related to the London Interbank Offered Rate (LIBOR); nominations; and bank climate-related stress tests/scenario analysis. H.R. 2471, the Consolidated Appropriations Act 2022; S. 3844, Economic Continuity and Stability Act; S. 3600 Strengthening American Cybersecurity Act; and H.R. 5991, the Fair Hiring in Banking Act.

Client expense: $340,000 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of

Issues relating to banking institutions impacting reform. Matters related to Community Reinvestment Act (CRA), Re-authorization of the National Flood Insurance Program and Current Expected Credit Loss (CECL); Matters relating to financial services regulatory reform, U.S. payments systems, anti-money laundering, beneficial ownership; matters related to the London Interbank Offered Rate (LIBOR);nominations; and bank climate-related stress tests/scenario analysis, S. 3844, Economic Continuity and Stability Act; S. 3600 Strengthening American Cybersecurity Act; and H.R. 5991, the Fair Hiring in Banking Act.

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

Met with House and Senate on issues impacting GSIBs Met with House and Senate on Fintech charters and issues Met with House and Senate on industrial loan corporations Met with House and Senate on equity market structure Met with House and Senate on climate issues Met with House and Senate staff on cybersecurity issues Met with House on racial equity and diversity inclusion issues Met with House and Senate on digital assets and crypto Met with House and Senate on sanctions legislation Met with House and Senate on markets regulations S.1260, United States Innovation and Competition Act of 2021 - all provisions S.2349, Protecting Consumers from Unreasonable Credit Rates Act of 2021 - all provisions S.2508, Veterans and Consumers Fair Credit Report - all provisions S.3755, Arbitration Fairness for Consumers Act - all provisions S.3844, Economic Continuity and Stability Act - all provisions H.R.963, Forced Arbitration Injustice Repeal Act - all provisions H.R.4521, America COMPETES Act of 2022 - issues related to outbound investments

Client expense: $1,160,000 · Firm income: Not reported

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

Issues affecting structured finance, the transition from LIBOR and Consumer Financial Protection Bureau actions affecting the expectations of market participants involved in securitization. Issues related to mortgage finance reform. Issues regarding Consumer Financial Protection Bureau rulemaking concerning qualified mortgages. H.R. 2471, Consolidated Appropriations Act, 2022, provisions relating to LIBOR transition. S. 3844, Economic Continuity and Stability Act, provisions relating to LIBOR transition. H.R. 4616, Adjustable Interest Rate (LIBOR) Act of 2021, all provisions.

Client expense: Not reported · Firm income: $22,500

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues affecting structured finance, the transition from LIBOR and Consumer Financial Protection Bureau actions affecting the expectations of market participants involved in securitization. H.R. 2471, Consolidated Appropriations Act, 2022, provisions relating to LIBOR transition. S. 3844, Economic Continuity and Stability Act, provisions relating to LIBOR transition. H.R. 4616, Adjustable Interest Rate (LIBOR) Act of 2021, all provisions.

Client expense: Not reported · Firm income: $22,500

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Met with House and Senate on issues impacting GSIBs Met with House and Senate on Fintech charters and issues Met with House and Senate on industrial loan corporations Met with House and Senate on equity market structure Met with House and Senate on climate issues Met with House and Senate staff on cybersecurity issues Met with House on racial equity and diversity inclusion issues Met with House and Senate on digital assets and crypto Met with House and Senate on sanctions legislation Met with House and Senate on markets regulations S.2349, Protecting Consumers from Unreasonable Credit Rates Act of 2021 - all provisions S.2508, Veterans and Consumers Fair Credit Report - all provisions S.3755, Arbitration Fairness for Consumers Act - all provisions S.3844, Economic Continuity and Stability Act - all provisions H.R.963, Forced Arbitration Injustice Repeal Act - all provisions H.R.4616, the Adjustable Interest Rate (LIBOR) Act of 2021 - all provisions

Client expense: $1,370,000 · Firm income: Not reported

H.R. 963 FAIR Act H.R. 1711 Financial Inclusion in Banking Act of 2021 H.R. 1996 SAFE Banking Act H.R. 2211 Central Bank Digital Currency Study Act H.R. 2471 Consolidated Appropriations Act 2022 Cyber Incident Reporting for Critical Infrastructure Act of 2022, Adjustable Interest Rate (LIBOR) Act H.R. 2561 Promoting Access to Capital in Underbanked Communities Act of 2021 H.R. 3009 Improving Language Access in Mortgage Servicing H.R. 3076 Postal Service Reform Act, support for Senate Amendment 4066 (Toomey) to prohibit postal banking H.R. 4277 Overdraft Protection Act H.R. 4345 FY 2022 Financial Services and General Government Appropriation - Postal Banking Pilot Program H.R. 4350 National Defense Authorization Act for FY 2022 cybersecurity provisions H.R. 4616 The Adjustable Interest Rate (LIBOR) Act H.R. 5376 The Build Back Better Act H.R. 5440 Cyber Incident Reporting for Critical Infrastructure Act H.R. 5886 Prohibit IRS Financial Surveillance Act H.R. 5912 Close ILC Loophole Act H.R. 6037 Prohibit SBA 7(a) Direct Lending H.R. 6145 Community Bank Relief Act H.R. 6307 Protecting Access to Credit for Small Businesses Act H.R. 6415 To amend the Federal Reserve Act to prohibit the Federal reserve banks from offering certain products or services directly to an individual (CBDC) H.R. 6732 Small LENDER Act H.R. 6739 Business Loan Privacy Act H.R. 6745 Ensuring Diversity in Community Banking Act H.R. 6802 Prevent Racial Profiling in Lending Act S. 910 SAFE Banking Act S. 1684 Federal Home Loan Banks Mission Implementation Act S. 2407 Cyber Incident Notification Act of 2021 S. 2875 Cyber Incident Reporting Act of 2021 S. 3056 Prohibit IRS Financial Surveillance Act S. 3382 Protecting Access to Credit for Small Businesses Act S. 3409 A bill to require the appropriate Federal banking agencies to develop a Community Bank Leverage Ratio that is between 8 percent and 8.5 percent for calendar years 2022, 2023, and 2024, and for other purposes. S. 3441 CDFI Bond Guarantee Program Improvement Act S. 3715 E-Sign Modernization Act S. 3745 TAILOR Act S.3844 Economic Continuity and Stability Act (LIBOR Transition) S. 3954 Ban CBDC S. Amend 3099 - Amendment to the Senate Budget Resolution to bar new IRS reporting Advancing Technologies to Support Inclusion Act (draft) Arbitration Bank Capital and Accounting Relief Bank Secrecy Act/Anti-Money Laundering Rules/Legislation, including Beneficial Ownership Issue Banking Services Fees Cannabis Banking CARES Act, Paycheck Protection Program Implementation CDFI Certification Consultation Act (draft) Central Bank Digital Currency Climate Risk Disclosure Requirements Climate-Related Financial Regulation Community Bank Access to Capital Community Bank Leverage Ratio Community Development Financial Institutions (CDFI) Fund Appropriations Credit Reporting Credit Union Acquisitions of Community Banks Credit Union Business Lending Powers Credit Union Field of Membership Rules Credit Union Growth/Powers/Abusive Behavior Credit Union Supplemental Capital Cryptocurrency Customer Data Access, Implementation of Dodd Frank Act Section 1033 Cyber Incident reporting legislation Cybersecurity Data Security, Breaches and Privacy De Novo Bank Formation DFA 1071- Small Business Loan Data Collection Digital Assets Regulation Durbin Amendment on Interchange; Extension to Credit Cards Emergency Capital Investment Program Expanding Opportunity for Minority Depository Institutions Act (draft) Faster/Instant Payments Federal Reserve Accounts for Consumers Financial Sanctions Fintech Regulatory Requirements Fintech/Banking Relationships Flood Insurance Reauthorization Industrial Loan Corporation Loophole Reforms/ Rakuten (ILC) et al, Deposit Insurance Applications Interchange Interest Rate Caps IRS Reporting of Financial Account Inflows/Outflows LIBOR Transition Minority Depository Institutions Issues OCC Proposed Payments Charter Overdraft Fees Overdraft Protection Payment semi-conductor chip disruptions Postal Banking Promoting and Advancing Communities of Color Through Inclusive Lending Act (draft) Public Banking Raising the FDICIA Asset Thresholds of 12 CFR Part 363--FDIC Regulatory and Tax Relief for Community Banks SBA 7(a) Loan Program Funding and Terms SBA Direct 7(a) Direct Lending Secure Notarization Simplification of Deposit Insurance Rules Small Business Loan Data Collection--CFPB Implementation of Dodd-Frank Act Section 1071 Stablecoins Stablecoin Innovation and Protection Act of 2022 (draft) Supporting the Creation of Diverse and Mission-Driven Community Financial Institutions Act(draft) Tailored Supervision of Community Banks (draft legislation) The Strengthening Cybersecurity for the Financial Sector Act (draft legislation) Understanding Community Financial Institutions Impact in Underserved Communities Act(draft)

Issues relating to banking institutions impacting reform. Matters related to Community Reinvestment Act (CRA), Re-authorization of the National Flood Insurance Program and Current Expected Credit Loss (CECL); Paycheck Protection Program. Matters relating to financial services regulatory reform, U.S. payments systems, anti-money laundering, beneficial ownership; matters related to the London Interbank Offered Rate (LIBOR);nominations; and bank climate-related stress tests/scenario analysis. H.R. 2471, the Consolidated Appropriations Act 2022; S. 3844, Economic Continuity and Stability Act; S. 3600 Strengthening American Cybersecurity Act; and H.R. 5991, the Fair Hiring in Banking Act.

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

Issues relating to banking institutions impacting reform. Matters related to Community Reinvestment Act (CRA), Re-authorization of the National Flood Insurance Program and Current Expected Credit Loss (CECL); Paycheck Protection Program. Matters relating to financial services regulatory reform, U.S. payments systems, anti-money laundering, beneficial ownership; matters related to the London Interbank Offered Rate (LIBOR); nominations; and bank climate-related stress tests/scenario analysis. H.R. 2471, the Consolidated Appropriations Act 2022; S. 3844, Economic Continuity and Stability Act; S. 3600 Strengthening American Cybersecurity Act; and H.R. 5991, the Fair Hiring in Banking Act.

Client expense: $550,000 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of

Issues related to Investment Firms' Diversity and Inclusion. S.3844 - Economic Continuity and Stability Act: Provisions related to establishing a non-LIBOR replacement rate and a safe harbor for legacy contracts.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

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

S.3844, Economic Continuity and Stability Act, provisions relating to LIBOR contracts. H.R.4616, Adjustable Interest Rate (LIBOR) Act of 2021, provisions relating to LIBOR contracts.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S 3844, Economic Continuity And Stability Act, issues related to transition from London Inter-Bank Offered Rate (LIBOR) to Secured Overnight Financing Rate (SOFR); HR 4616, Adjustable Interest Rate Act of 2021, issues related to transition from LIBOR to SOFR; General issues related to digital assets; S 3600, Strengthening American Cybersecurity Act of 2022, issues related to cyber incident reporting; General issues related to cybersecurity; General issues related to Community Development Financial Institutions; General issues related to overdraft and non-sufficient funds fees; General issues related to consumer products regulation; General issues related to SEC proposals on market structure.

Client expense: $460,000 · Firm income: Not reported

Issues affecting structured finance, the transition from LIBOR and Consumer Financial Protection Bureau actions affecting the expectations of market participants involved in securitization. H.R. 2471, Consolidated Appropriations Act, 2022, provisions relating to LIBOR transition. S. 3844, Economic Continuity and Stability Act, provisions relating to LIBOR transition. H.R. 4616, Adjustable Interest Rate (LIBOR) Act of 2021, all provisions.

Client expense: Not reported · Firm income: $22,500

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues affecting structured finance, the transition from LIBOR and Consumer Financial Protection Bureau actions affecting the expectations of market participants involved in securitization. Issues related to mortgage finance reform. Issues regarding Consumer Financial Protection Bureau rulemaking concerning qualified mortgages. H.R. 2471, Consolidated Appropriations Act, 2022, provisions relating to LIBOR transition. S. 3844, Economic Continuity and Stability Act, provisions relating to LIBOR transition. H.R. 4616, Adjustable Interest Rate (LIBOR) Act of 2021, all provisions.

Client expense: Not reported · Firm income: $22,500

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HR 3009 Improving Language Access in Mortgage Servicing Act of 2021 American Rescue Plan - homeowner assistance fund Financial Technology ("Fintech") (Previously HR 1500 ) -- Consumers First Act Small Business Lending Discrimination HR 4277 Overdraft Protection Act of 2021 HR 2572 Stop Debt Collection Abuse Act (Previously S.3509) - A bill to provide borrowers the right to request forbearance on mortgage loan payments... HR 963 / S. 505 Forced Arbitration Injustice Repeal (FAIR) Act True Lender CRA CFPB Big Tech Inquiry HR 5376 Build Back Better Act Blumenthal arbitration amendment to the National Defense Authorization Act for fiscal year 2022 Accountability in Student Loan Data Act (Previously HR 4662) CFPB Student Loan Integrity and Transparency Act (previously S 720) HR 6466, Student Loan Rehabilitation and Credit Score Improvement Act Stop Unfair Home Lending Act S 3844 Economic Continuity and Stability Act H.R. 7231, the Electronic Currency and Secure Hardware (ECASH) Act Crypto Regulatory Legislation (CFTC) Crypto Regulatory Legislation (Stablecoins) Crypto Regulatory Legislation (President's EO) Big Tech Crypto/Blockchain investments Green Postal Service Fleet Act CARES Act - Paycheck Protection Program H.R.4445 - Ending Forced Arbitration of Sexual Assault and Sexual Harassment Act of 2021 S.3755 - Arbitration Fairness for Consumers Act

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