Community Advantage Loan Program Act of 2023

Small Business Administration 7(a) loan program - program policy, appropriations, authorization level, including regulatory and other Agency policy changes; Paycheck Protection Program - program policy, implementation, modification, second draw loans; American Rescue Plan Act of 2021 [PL 117-2]; PPP Extension Act of 2021 [PL 117-6]; CARES Act [PL 116-136]; PPP Flexibility Act of 2020 [PL 116-142]; A bill to extend the authority for commitments for the paycheck protection program and separate amounts authorized for otherloansundersection7(a)of the Small Business Act, and for other purposes [PL 116-147]; Economic Aid to Hard-Hit Small Businesses, Nonprofits, and Venues Act (Economic Aid Act)/ Consolidated Appropriations Act, 2021 [PL 116-260]; S. 2482, Community Advantage Loan Program Act of 2023; H.R. 7560, Community Advantage Loan Program Act of 2024; H.R. 8773, Financial Services and General Government Appropriations Act, 2025; H.R. 9747, Continuing Appropriations and Extensions Act, 2025

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

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

Small Business Administration 7(a) loan program - program policy, appropriations, authorization level, including regulatory and other Agency policy changes; Paycheck Protection Program - program policy, implementation, modification, second draw loans; American Rescue Plan Act of 2021 [PL 117-2]; PPP Extension Act of 2021 [PL 117-6]; CARES Act [PL 116-136]; PPP Flexibility Act of 2020 [PL 116-142]; A bill to extend the authority for commitments for the paycheck protection program and separate amounts authorized for otherloansundersection7(a)of the Small Business Act, and for other purposes [PL 116-147]; Economic Aid to Hard-Hit Small Businesses, Nonprofits, and Venues Act (Economic Aid Act)/ Consolidated Appropriations Act, 2021 [PL 116-260]; S. 2482, Community Advantage Loan Program Act of 2023; H.R. 7560, Community Advantage Loan Program Act of 2024; H.R. 8773, Financial Services and General Government Appropriations Act, 2025; H.R. 9747, Continuing Appropriations and Extensions Act, 2025

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

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

Small Business Administration 7(a) loan program - program policy, appropriations, authorization level, including regulatory and other Agency policy changes; Paycheck Protection Program - program policy, implementation, modification, second draw loans; American Rescue Plan Act of 2021 [PL 117-2]; PPP Extension Act of 2021 [PL 117-6]; CARES Act [PL 116-136]; PPP Flexibility Act of 2020 [PL 116-142]; A bill to extend the authority for commitments for the paycheck protection program and separate amounts authorized for otherloansundersection7(a)of the Small Business Act, and for other purposes [PL 116-147]; Economic Aid to Hard-Hit Small Businesses, Nonprofits, and Venues Act (Economic Aid Act)/ Consolidated Appropriations Act, 2021 [PL 116-260]; S. 2482, Community Advantage Loan Program Act of 2023; H.R. 7560, Community Advantage Loan Program Act of 2024; H.R. 8773, Financial Services and General Government Appropriations Act, 2025; H.R. 9747, Continuing Appropriations and Extensions Act, 2025

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

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

S. 2021/H.R. 4192 Small Business Financing Disclosure Act of 2023 -This bill would extend the protections in the Truth in Lending Act for consumer lending to small business lending. It would require small business lenders to disclose key information, including the annual percentage rate (APR), when presenting financing options to small businesses, allowing them to have the necessary information to make financial decisions to grow and strengthen their business. S.2482 - Community Advantage Loan Program Act of 2023- This bill would codify the Community Advantage program and ensure that CDFIs and other mission-driven lenders can continue to increase SBA-backed lending to underserved communities and undercapitalized businesses.

Client expense: $10,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.J. Res. 50, Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to "Small Business Lending Under the Equal Credit Opportunity Act (Regulation B) H.J. Res. 66, Disapproving of the rule submitted by the Consumer Financial Protection Bureau relating to Small Business Lending Under the Equal Credit Opportunity Act (Regulation B) S.J. Res. 32, Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to Small Business Lending Under the Equal Credit Opportunity Act (Regulation B) SBA 7(a) Lending Program Credit union member business lending H.R. 4868, Member Business Loan Expansion Act S. 2482, Community Advantage Loan Program Act of 2023

Client expense: $1,490,000 · Firm income: Not reported

Small Business Administration 7(a) loan program - program policy, appropriations, authorization level, including regulatory and other Agency policy changes; Paycheck Protection Program - program policy, implementation, modification, second draw loans; American Rescue Plan Act of 2021 [PL 117-2]; PPP Extension Act of 2021 [PL 117-6]; CARES Act [PL 116-136]; PPP Flexibility Act of 2020 [PL 116-142]; A bill to extend the authority for commitments for the paycheck protection program and separate amounts authorized for other loansundersection7(a)of the Small Business Act, and for other purposes [PL 116-147]; Economic Aid to Hard-Hit Small Businesses, Nonprofits, and Venues Act (Economic Aid Act)/ Consolidated Appropriations Act, 2021 [PL 116-260]; H.R. 7352, PPP and Bank Fraud Enforcement Harmonization Act of 2022 (PL 117-166); S. 2690, Expanding Access to Affordable Credit for Small Businesses Act; (117th Congress); H.R. 6833, Making continuing appropriations for fiscal year 2023, and for other purposes (PL 117-180); S. 2482, Community Advantage Loan Program Act of 2023; H.R. 7560, Community Advantage Loan Program Act of 2024, H.R. 4664, Making appropriations for financial services and general government for the fiscal year ending September 30, 2024, and for other purposes; H.R. 5860, Continuing Appropriations Act, 2024 and Other Extensions Act (PL 118-15); PL 118-22, Further Continuing Appropriations and Other Extensions Act, 2024; H.R. 2872, Further Additional Continuing Appropriations and Other Extensions Act, 2024 (PL 118-35); H.R. 7463, Extension of Continuing Appropriations and Other Matters Act, 2024 (PL 118-40); H.R. 2882, Further Consolidated Appropriations Act, 2024 (PL 118-47); H.R. 8773, Financial Services and General Government Appropriations Act, 2025.

Small Business Administration 7(a) loan program - program policy, appropriations, authorization level, including regulatory and other Agency policy changes; Paycheck Protection Program - program policy, implementation, modification, second draw loans; American Rescue Plan Act of 2021 [PL 117-2]; PPP Extension Act of 2021 [PL 117-6]; CARES Act [PL 116-136]; PPP Flexibility Act of 2020 [PL 116-142]; A bill to extend the authority for commitments for the paycheck protection program and separate amounts authorized for other loansundersection7(a)of the Small Business Act, and for other purposes [PL 116-147]; Economic Aid to Hard-Hit Small Businesses, Nonprofits, and Venues Act (Economic Aid Act)/ Consolidated Appropriations Act, 2021 [PL 116-260]; H.R. 7352, PPP and Bank Fraud Enforcement Harmonization Act of 2022 (PL 117-166); S. 2690, Expanding Access to Affordable Credit for Small Businesses Act; (117th Congress); H.R. 6833, Making continuing appropriations for fiscal year 2023, and for other purposes (PL 117-180); S. 2482, Community Advantage Loan Program Act of 2023; H.R. 7560, Community Advantage Loan Program Act of 2024, H.R. 4664, Making appropriations for financial services and general government for the fiscal year ending September 30, 2024, and for other purposes; H.R. 5860, Continuing Appropriations Act, 2024 and Other Extensions Act (PL 118-15); PL 118-22, Further Continuing Appropriations and Other Extensions Act, 2024; H.R. 2872, Further Additional Continuing Appropriations and Other Extensions Act, 2024 (PL 118-35); H.R. 7463, Extension of Continuing Appropriations and Other Matters Act, 2024 (PL 118-40); H.R. 2882, Further Consolidated Appropriations Act, 2024 (PL 118-47); H.R. 8773, Financial Services and General Government Appropriations Act, 2025.

Small Business Administration 7(a) loan program - program policy, appropriations, authorization level, including regulatory and other Agency policy changes; Paycheck Protection Program - program policy, implementation, modification, second draw loans; American Rescue Plan Act of 2021 [PL 117-2]; PPP Extension Act of 2021 [PL 117-6]; CARES Act [PL 116-136]; PPP Flexibility Act of 2020 [PL 116-142]; A bill to extend the authority for commitments for the paycheck protection program and separate amounts authorized for other loansundersection7(a)of the Small Business Act, and for other purposes [PL 116-147]; Economic Aid to Hard-Hit Small Businesses, Nonprofits, and Venues Act (Economic Aid Act)/ Consolidated Appropriations Act, 2021 [PL 116-260]; H.R. 7352, PPP and Bank Fraud Enforcement Harmonization Act of 2022 (PL 117-166); S. 2690, Expanding Access to Affordable Credit for Small Businesses Act; (117th Congress); H.R. 6833, Making continuing appropriations for fiscal year 2023, and for other purposes (PL 117-180); S. 2482, Community Advantage Loan Program Act of 2023; H.R. 7560, Community Advantage Loan Program Act of 2024, H.R. 4664, Making appropriations for financial services and general government for the fiscal year ending September 30, 2024, and for other purposes; H.R. 5860, Continuing Appropriations Act, 2024 and Other Extensions Act (PL 118-15); PL 118-22, Further Continuing Appropriations and Other Extensions Act, 2024; H.R. 2872, Further Additional Continuing Appropriations and Other Extensions Act, 2024 (PL 118-35); H.R. 7463, Extension of Continuing Appropriations and Other Matters Act, 2024 (PL 118-40); H.R. 2882, Further Consolidated Appropriations Act, 2024 (PL 118-47); H.R. 8773, Financial Services and General Government Appropriations Act, 2025.

Debt Refinancing in the 504 Loan Program (RIN 3245-AH78) Affiliation and Lending Criteria for the SBA Business Loan Programs (RIN 3245-AH87) Small Business Lending Company (SBLC) Moratorium Rescission and Removal of the Requirement for a Loan Authorization (RIN 3245-AH92) 504 Modernization and Small Manufacturer Enhancement Act of 2023 (S. 1352) 504 Credit Risk Management Improvement Act of 2023 (S. 1345) Small Business Technological Advancement Act (S. 2330) Community Advantage Loan Program Act of 2023 (S. 2482) Community Advantage Loan Program Act of 2024 (H.R. 7560) SBA Small Business Loan Programs - Microloan program, childcare, program access, and other issues

Client expense: $56,009 · Firm income: Not reported

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

S. 2021/H.R. 4192 Small Business Financing Disclosure Act of 2023 -This bill would extend the protections in the Truth in Lending Act for consumer lending to small business lending. It would require small business lenders to disclose key information, including the annual percentage rate (APR), when presenting financing options to small businesses, allowing them to have the necessary information to make financial decisions to grow and strengthen their business. S.2482 - Community Advantage Loan Program Act of 2023- This bill would codify the Community Advantage program and ensure that CDFIs and other mission-driven lenders can continue to increase SBA-backed lending to underserved communities and undercapitalized businesses.

Client expense: $20,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.J. Res. 50, Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to "Small Business Lending Under the Equal Credit Opportunity Act (Regulation B) H.J. Res. 66, Disapproving of the rule submitted by the Consumer Financial Protection Bureau relating to Small Business Lending Under the Equal Credit Opportunity Act (Regulation B) S.J. Res. 32, Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to Small Business Lending Under the Equal Credit Opportunity Act (Regulation B) SBA 7(a) Lending Program Credit union member business lending H.R. 4868, Member Business Loan Expansion Act S. 2482, Community Advantage Loan Program Act of 2023

Client expense: $1,750,000 · Firm income: Not reported

Small Business Administration 7(a) loan program - program policy, appropriations, authorization level, including regulatory and other Agency policy changes; Paycheck Protection Program - program policy, implementation, modification, second draw loans; American Rescue Plan Act of 2021 [PL 117-2]; PPP Extension Act of 2021 [PL 117-6]; CARES Act [PL 116-136]; PPP Flexibility Act of 2020 [PL 116-142]; A bill to extend the authority for commitments for the paycheck protection program and separate amounts authorized for other loansundersection7(a)of the Small Business Act, and for other purposes [PL 116-147]; Economic Aid to Hard-Hit Small Businesses, Nonprofits, and Venues Act (Economic Aid Act)/ Consolidated Appropriations Act, 2021 [PL 116-260]; H.R. 7352, PPP and Bank Fraud Enforcement Harmonization Act of 2022 (PL 117-166); S. 2690, Expanding Access to Affordable Credit for Small Businesses Act; (117th Congress); H.R. 6833, Making continuing appropriations for fiscal year 2023, and for other purposes (PL 117-180); S. 2482, Community Advantage Loan Program Act of 2023; H.R. 7560, Community Advantage Loan Program Act of 2024, H.R. 4664, Making appropriations for financial services and general government for the fiscal year ending September 30, 2024, and for other purposes; H.R. 5860, Continuing Appropriations Act, 2024 and Other Extensions Act (PL 118-15); PL 118-22, Further Continuing Appropriations and Other Extensions Act, 2024; H.R. 2872, Further Additional Continuing Appropriations and Other Extensions Act, 2024 (PL 118-35); H.R. 7463, Extension of Continuing Appropriations and Other Matters Act, 2024 (PL 118-40); H.R. 2882, Further Consolidated Appropriations Act, 2024 (PL 118-47).

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

Small Business Administration 7(a) loan program - program policy, appropriations, authorization level, including regulatory and other Agency policy changes; Paycheck Protection Program - program policy, implementation, modification, second draw loans; American Rescue Plan Act of 2021 [PL 117-2]; PPP Extension Act of 2021 [PL 117-6]; CARES Act [PL 116-136]; PPP Flexibility Act of 2020 [PL 116-142]; A bill to extend the authority for commitments for the paycheck protection program and separate amounts authorized for other loansundersection7(a)of the Small Business Act, and for other purposes [PL 116-147]; Economic Aid to Hard-Hit Small Businesses, Nonprofits, and Venues Act (Economic Aid Act)/ Consolidated Appropriations Act, 2021 [PL 116-260]; H.R. 7352, PPP and Bank Fraud Enforcement Harmonization Act of 2022 (PL 117-166); S. 2690, Expanding Access to Affordable Credit for Small Businesses Act; (117th Congress); H.R. 6833, Making continuing appropriations for fiscal year 2023, and for other purposes (PL 117-180); S. 2482, Community Advantage Loan Program Act of 2023; H.R. 7560, Community Advantage Loan Program Act of 2024, H.R. 4664, Making appropriations for financial services and general government for the fiscal year ending September 30, 2024, and for other purposes; H.R. 5860, Continuing Appropriations Act, 2024 and Other Extensions Act (PL 118-15); PL 118-22, Further Continuing Appropriations and Other Extensions Act, 2024; H.R. 2872, Further Additional Continuing Appropriations and Other Extensions Act, 2024 (PL 118-35); H.R. 7463, Extension of Continuing Appropriations and Other Matters Act, 2024 (PL 118-40); H.R. 2882, Further Consolidated Appropriations Act, 2024 (PL 118-47).

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

Small Business Administration 7(a) loan program - program policy, appropriations, authorization level, including regulatory and other Agency policy changes; Paycheck Protection Program - program policy, implementation, modification, second draw loans; American Rescue Plan Act of 2021 [PL 117-2]; PPP Extension Act of 2021 [PL 117-6]; CARES Act [PL 116-136]; PPP Flexibility Act of 2020 [PL 116-142]; A bill to extend the authority for commitments for the paycheck protection program and separate amounts authorized for other loansundersection7(a)of the Small Business Act, and for other purposes [PL 116-147]; Economic Aid to Hard-Hit Small Businesses, Nonprofits, and Venues Act (Economic Aid Act)/ Consolidated Appropriations Act, 2021 [PL 116-260]; H.R. 7352, PPP and Bank Fraud Enforcement Harmonization Act of 2022 (PL 117-166); S. 2690, Expanding Access to Affordable Credit for Small Businesses Act; (117th Congress); H.R. 6833, Making continuing appropriations for fiscal year 2023, and for other purposes (PL 117-180); S. 2482, Community Advantage Loan Program Act of 2023; H.R. 7560, Community Advantage Loan Program Act of 2024, H.R. 4664, Making appropriations for financial services and general government for the fiscal year ending September 30, 2024, and for other purposes; H.R. 5860, Continuing Appropriations Act, 2024 and Other Extensions Act (PL 118-15); PL 118-22, Further Continuing Appropriations and Other Extensions Act, 2024; H.R. 2872, Further Additional Continuing Appropriations and Other Extensions Act, 2024 (PL 118-35); H.R. 7463, Extension of Continuing Appropriations and Other Matters Act, 2024 (PL 118-40); H.R. 2882, Further Consolidated Appropriations Act, 2024 (PL 118-47).

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

Debt Refinancing in the 504 Loan Program (RIN 3245-AH78) Affiliation and Lending Criteria for the SBA Business Loan Programs (RIN 3245-AH87) Small Business Lending Company (SBLC) Moratorium Rescission and Removal of the Requirement for a Loan Authorization (RIN 3245-AH92) 504 Modernization and Small Manufacturer Enhancement Act of 2023 (S. 1352) 504 Credit Risk Management Improvement Act of 2023 (S. 1345) Community Advantage Loan Program Act of 2023 (S. 2482) Community Advantage Loan Program Act of 2024 (H.R. 7560) SBA Small Business Loan Programs - Microloan program, childcare, program access, and other issues

Client expense: $56,009 · Firm income: Not reported

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

S. 2021/H.R. 4192 Small Business Financing Disclosure Act of 2023 -This bill would extend the protections in the Truth in Lending Act for consumer lending to small business lending. It would require small business lenders to disclose key information, including the annual percentage rate (APR), when presenting financing options to small businesses, allowing them to have the necessary information to make financial decisions to grow and strengthen their business. S.2482 - Community Advantage Loan Program Act of 2023- This bill would codify the Community Advantage program and ensure that CDFIs and other mission-driven lenders can continue to increase SBA-backed lending to underserved communities and undercapitalized businesses.

Client expense: $20,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.J.Res.50, Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to "Small Business Lending Under the Equal Credit Opportunity Act (Regulation B) H.J.Res.66. Disapproving of the rule submitted by the Consumer Financial Protection Bureau relating to Small Business Lending Under the Equal Credit Opportunity Act (Regulation B). S.J.Res.32. Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to Small Business Lending Under the Equal Credit Opportunity Act (Regulation B) SBA 7(a) Lending Program Credit union member business lending H.R. 4868, Member Business Loan Expansion Act S.2482, Community Advantage Loan Program Act of 2023

Client expense: $1,910,000 · Firm income: Not reported

S.2482 - Community Advantage Loan Program Act of 2023

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

Government targets: SENATE

LEGISLATIVE House H.R. 2798- CFPB Transparency and Accountability Reform Act H.R. 1410- Consumer Financial Protection Commission Act H.R. 1382- TABS Act of 2023 H.R. 1313- Transparency in CFPB Cost-Benefit Analysis Act H.R. 1411- CFPB-IG Reform Act of 2023 H.R. 1165- Data Privacy Act of 2023 H.R. 3881- Credit Card Competition Act of 2023 H.R. 4766- Clarity for Payment Stablecoins Act Legislation related to the Small Business Administration 7(a) loan program Legislation related to small dollar lending Issues related to implementation of Section 1071 of the Dodd-Frank Act H.R. 2670- National Defense Authorization Act for Fiscal Year 2024 H.R. 4277- Overdraft Protection Act of 2021 (117th Cong.) H.R. 6789- Rectifying UDAAP Act Senate S. 1362- Transparency in CFPB Cost-Benefit Analysis Act S. 1838- Credit Card Competition Act of 2023 S. 2760- Capping Credit Card Interest Rates Act S. 3549- Predatory Lending Elimination Act S. 2482- Community Advantage Loan Program Act Both Chambers Issues related to Zelle payment platform and changes to Regulation E Issues related to Biden Administration Student Loan Forgiveness Plan Issues related to banning arbitration agreements House/Senate Semi-annual Hearing with the Director of the CFPB Issues related to Financial Services and General Government Appropriations Issues related to Consumer Data Privacy Legislation related to establishing a commission at the CFPB Issues related to disclosures for federal student loans Legislation related to student loan refinancing programs Issues related to bankruptcy protections for student loans Issues related to federal student loan reform Issues related to Cyber Security, Data Security & Breach Notification Issues related to credit card network interchange fees Issues related to financial regulatory coordination Issues related to the Paperwork Reduction Act Issues related to the Higher Education Act Issues related to fraud and scams REGULATORY Privacy Issues, 12 CFR Parts 40, 216, 332, 1016 CFPB Issues related to Section 1033 of Dodd-Frank Issues related to CFPB Credit Card late fees Safe Harbor rule Issues related to UDAAP exam manual changes Issues related to Section 1071 Small Business Data Collection Issues related to Overdraft and non-sufficient funds (NSF) fees Issues related to Fintech oversight Issues related to Section 1034 of Dodd-Frank Act Issues related to the Fair Credit Reporting Act Issues related to CFPB supervisory authority under Section 1024 Issues related to CFPB agency guidance Issues related to CFPB Consumer Response Portal Issues related to CFPB Taskforce on Consumer Financial Laws Issues related to the Servicemembers Civil Relief Act Issues related to the Military Lending Act Issues related to Electronic Fund Transfer Act, regulation E, 15 U.S.C. 1693 Equal Credit Opportunity issues, Regulation B, 12 CFR Part 1002 Home Mortgage Disclosure Act Issues, Regulation C, 12 CFR Part 1003 Fair Credit Reporting Issues, 12 CFR Parts 41, 171, 334, 1022 Truth in Lending Issues, Regulation Z, 12 CFR Part 1026 Fair Debt Collection Practices Issues, Regulation F, 12 CFR Part 1006 OCC Issues related to the Community Reinvestment Act Issues related to fair lending and fair banking Issues related to the Fair Housing Act Issues related to Underbanked/Unbanked Consumers- Consumer Financial Health Federal Reserve Issues related to the Federal Reserve Central Digital Bank Currency Issues related to the Federal Reserve Consumer checking accounts Issues related to the Community Reinvestment Act Issues related to Basel III Endgame Proposal FDIC Issues related to FDIC Deposit Insurance Issues related to the Bank Secrecy Act and Anti-Money Laundering Issues related to the Counter Terrorism & Illicit Finance Act Issues related to Parent Companies of Industrial Banks and Industrial Loan Companies Issues related to the Community Reinvestment Act Issues related to Section 19 - Criminal Background for prospective employment SBA Issues related to Small Business Act Issues related to SBA 7(a) Loan Program and fees Issues related to SBA 504 Loan Program and fees Department of Education Issues related to the CFPBs and Department of Educations actions on student lending

Small Business Administration 7(a) loan program - program policy, appropriations, authorization level, including regulatory and other Agency policy changes; H.R. 4664, Making appropriations for financial services and general government for the fiscal year ending September 30, 2024, and for other purposes; Paycheck Protection Program - program policy, implementation, modification, second draw loans; American Rescue Plan Act of 2021 [PL 117-2]; PPP Extension Act of 2021 [PL 117-6]; CARES Act [PL 116-136]; PPP Flexibility Act of 2020 [PL 116-142]; A bill to extend the authority for commitments for the paycheck protection program and separate amounts authorized for other loans undersection7(a)of the Small Business Act, and for other purposes [PL 116-147]; Economic Aid to Hard-Hit Small Businesses, Nonprofits, and Venues Act (Economic Aid Act)/ Consolidated Appropriations Act, 2021 [PL 116-260]; H.R. 7352, PPP and Bank Fraud Enforcement Harmonization Act of 2022 (PL 117-166); S. 2690, Expanding Access to Affordable Credit for Small Businesses Act; (117th Congress); H.R. 6833, Making continuing appropriations for fiscal year 2023, and for other purposes (PL 117-180); S. 5102, Community Advantage Loan Program Permanency Act of 2022; H.R. 8254, Financial Services and General Government Appropriations Act, 2023; S. 4685, Financial Services and General Government Appropriations Act, 2023; H.R. 8294, Transportation, Housing and Urban Development, and Related Agencies Appropriations Act, 2023; H.R. 6833, Continuing Appropriations and Ukraine Supplemental Appropriations Act, 2023 [PL 117-180]; H.R. 1437, Further Continuing Appropriations and Extensions Act, 2023 [PL 117-229]; H.R. 4373, Further Additional Continuing Appropriations and Extensions Act, 2023 [PL117-264]; H.R. 2617, Consolidated Appropriations Act, 2023 [PL 117-328]; S. 673, Small Business Child Care Investment Act; H.R. 2602, Small Business Child Care Investment Act; S. 2482, Community Advantage Loan Program Act of 2023; H.R. 5860, Continuing Appropriations Act, 2024 and Other Extensions Act; PL 118-22, Further Continuing Appropriations and Other Extensions Act, 2024

Small Business Administration 7(a) loan program - program policy, appropriations, authorization level, including regulatory and other Agency policy changes; H.R. 4664, Making appropriations for financial services and general government for the fiscal year ending September 30, 2024, and for other purposes; Paycheck Protection Program - program policy, implementation, modification, second draw loans; American Rescue Plan Act of 2021 [PL 117-2]; PPP Extension Act of 2021 [PL 117-6]; CARES Act [PL 116-136]; PPP Flexibility Act of 2020 [PL 116-142]; A bill to extend the authority for commitments for the paycheck protection program and separate amounts authorized for other loans undersection7(a)of the Small Business Act, and for other purposes [PL 116-147]; Economic Aid to Hard-Hit Small Businesses, Nonprofits, and Venues Act (Economic Aid Act)/ Consolidated Appropriations Act, 2021 [PL 116-260]; H.R. 7352, PPP and Bank Fraud Enforcement Harmonization Act of 2022 (PL 117-166); S. 2690, Expanding Access to Affordable Credit for Small Businesses Act; (117th Congress); H.R. 6833, Making continuing appropriations for fiscal year 2023, and for other purposes (PL 117-180); S. 5102, Community Advantage Loan Program Permanency Act of 2022; H.R. 8254, Financial Services and General Government Appropriations Act, 2023; S. 4685, Financial Services and General Government Appropriations Act, 2023; H.R. 8294, Transportation, Housing and Urban Development, and Related Agencies Appropriations Act, 2023; H.R. 6833, Continuing Appropriations and Ukraine Supplemental Appropriations Act, 2023 [PL 117-180]; H.R. 1437, Further Continuing Appropriations and Extensions Act, 2023 [PL 117-229]; H.R. 4373, Further Additional Continuing Appropriations and Extensions Act, 2023 [PL117-264]; H.R. 2617, Consolidated Appropriations Act, 2023 [PL 117-328]; S. 673, Small Business Child Care Investment Act; H.R. 2602, Small Business Child Care Investment Act; S. 2482, Community Advantage Loan Program Act of 2023; H.R. 5860, Continuing Appropriations Act, 2024 and Other Extensions Act; PL 118-22, Further Continuing Appropriations and Other Extensions Act, 2024

Small Business Administration 7(a) loan program - program policy, appropriations, authorization level, including regulatory and other Agency policy changes; H.R. 4664, Making appropriations for financial services and general government for the fiscal year ending September 30, 2024, and for other purposes; Paycheck Protection Program - program policy, implementation, modification, second draw loans; American Rescue Plan Act of 2021 [PL 117-2]; PPP Extension Act of 2021 [PL 117-6]; CARES Act [PL 116-136]; PPP Flexibility Act of 2020 [PL 116-142]; A bill to extend the authority for commitments for the paycheck protection program and separate amounts authorized for other loans undersection7(a)of the Small Business Act, and for other purposes [PL 116-147]; Economic Aid to Hard-Hit Small Businesses, Nonprofits, and Venues Act (Economic Aid Act)/ Consolidated Appropriations Act, 2021 [PL 116-260]; H.R. 7352, PPP and Bank Fraud Enforcement Harmonization Act of 2022 (PL 117-166); S. 2690, Expanding Access to Affordable Credit for Small Businesses Act; (117th Congress); H.R. 6833, Making continuing appropriations for fiscal year 2023, and for other purposes (PL 117-180); S. 5102, Community Advantage Loan Program Permanency Act of 2022; H.R. 8254, Financial Services and General Government Appropriations Act, 2023; S. 4685, Financial Services and General Government Appropriations Act, 2023; H.R. 8294, Transportation, Housing and Urban Development, and Related Agencies Appropriations Act, 2023; H.R. 6833, Continuing Appropriations and Ukraine Supplemental Appropriations Act, 2023 [PL 117-180]; H.R. 1437, Further Continuing Appropriations and Extensions Act, 2023 [PL 117-229]; H.R. 4373, Further Additional Continuing Appropriations and Extensions Act, 2023 [PL117-264]; H.R. 2617, Consolidated Appropriations Act, 2023 [PL 117-328]; S. 673, Small Business Child Care Investment Act; H.R. 2602, Small Business Child Care Investment Act; S. 2482, Community Advantage Loan Program Act of 2023; H.R. 5860, Continuing Appropriations Act, 2024 and Other Extensions Act; PL 118-22, Further Continuing Appropriations and Other Extensions Act, 2024

Affiliation and Lending Criteria for the SBA Business Loan Programs (RIN 3245-AH87) Small Business Lending Company (SBLC) Moratorium Rescission and Removal of the Requirement for a Loan Authorization (RIN 3245-AH92) 504 Modernization and Small Manufacturer Enhancement Act of 2023 (S. 1352) 504 Credit Risk Management Improvement Act of 2023 (S. 1345) 504 Loan Availability Act (S. 2100) Community Advantage Loan Program Act of 2023 (S. 2482) SBA Small Business Loan Programs - child care, program access, and other issues

Client expense: $56,009 · Firm income: Not reported

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

Affiliation and Lending Criteria for the SBA Business Loan Programs (RIN 3245-AH87) Small Business Lending Company (SBLC) Moratorium Rescission and Removal of the Requirement for a Loan Authorization (RIN 3245-AH92) 504 Modernization and Small Manufacturer Enhancement Act of 2023 (S. 1352) 504 Credit Risk Management Improvement Act of 2023 (S. 1345) Small Business Childcare Investment Act (S. 673) Community Advantage Loan Program Act of 2023 (S. 2482) SBA Small Business Loan Programs - child care, program access, and other issues

Client expense: $57,948 · Firm income: Not reported

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

S. 2021/H.R. 4192 Small Business Financing Disclosure Act of 2023 -This bill would extend the protections in the Truth in Lending Act for consumer lending to small business lending. It would require small business lenders to disclose key information, including the annual percentage rate (APR), when presenting financing options to small businesses, allowing them to have the necessary information to make financial decisions to grow and strengthen their business. S.2482 - Community Advantage Loan Program Act of 2023- This bill would codify the Community Advantage program and ensure that CDFIs and other mission-driven lenders can continue to increase SBA-backed lending to underserved communities and undercapitalized businesses.

Client expense: $20,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

LEGISLATIVE House H.R. 2798- CFPB Transparency and Accountability Reform Act H.R. 1410- Consumer Financial Protection Commission Act H.R. 1382- TABS Act of 2023 H.R. 1313- Transparency in CFPB Cost-Benefit Analysis Act H.R. 1411- CFPB-IG Reform Act of 2023 H.R. 1165- Data Privacy Act of 2023 H.R. 3881- Credit Card Competition Act of 2023 H.R. 4766- Clarity for Payment Stablecoins Act of 2023 Potential Legislation related to the Small Business Administration 7(a) loan program Potential Legislation related to small dollar lending Issues related to fraud and scams Issues related to implementation of Section 1071 of the Dodd-Frank Act H.R. 2670- National Defense Authorization Act for Fiscal Year 2024 H.R. 4277- Overdraft Protection Act of 2021 (117th Cong.) Senate S. 1362- Transparency in CFPB Cost-Benefit Analysis Act S. 1838- Credit Card Competition Act of 2023 S. 2760- Capping Credit Card Interest Rates Act S. 2482- Community Advantage Loan Program Act of 2023 Issues related to fraud and scams Both Chambers Issues related to Zelle payment platform and changes to Regulation E Issues related to Biden Administration Student Loan Forgiveness Plan Issues related to changing UDAAP legislation/ Dodd-Frank UDAAP provisions Issues related to banning arbitration agreements House/Senate Semi-annual Hearing with the Director of the CFPB Issues related to Financial Services and General Government Appropriations Issues related to Consumer Data Privacy Potential Legislation related to establishing a commission at the CFPB Issues related to disclosures for federal student loans Potential Legislation related to student loan refinancing programs Issues related to bankruptcy protections for student loans Issues related to federal student loan reform Issues related to Cyber Security, Data Security & Breach Notification Issues related to credit card network interchange fees Issues related to financial regulatory coordination Issues related to the Paperwork Reduction Act Issues related to the Higher Education Act REGULATORY Privacy Issues, 12 CFR Parts 40, 216, 332, 1016 CFPB Issues related to Section 1033 of Dodd-Frank Issues related to CFPB Credit Card late fees Safe Harbor rule Issues related to UDAAP exam manual changes Issues related to Section 1071 Small Business Data Collection Issues related to Overdraft and non-sufficient funds (NSF) fees Issues related to Fintech oversight Issues related to Section 1034 of Dodd-Frank Act Issues related to CFPB Credit Card Late Fees and Late Payments Issues related to By Now/Pay Later Financial Products Issues related to the Fair Credit Reporting Act Issues related to CFPB supervisory authority under Section 1024 Issues related to CFPB agency guidance Issues related to CFPB Consumer Response Portal Issues related to CFPB Taskforce on Consumer Financial Laws Issues related to the Servicemembers Civil Relief Act Issues related to the Military Lending Act Issues related to Electronic Fund Transfer Act, regulation E, 15 U.S.C. 1693 Equal Credit Opportunity issues, Regulation B, 12 CFR Part 1002 Home Mortgage Disclosure Act Issues, Regulation C, 12 CFR Part 1003 Fair Credit Reporting Issues, 12 CFR Parts 41, 171, 334, 1022 Truth in Lending Issues, Regulation Z, 12 CFR Part 1026 Fair Debt Collection Practices Issues, Regulation F, 12 CFR Part 1006 OCC Issues related to the Community Reinvestment Act Issues related to fair lending and fair banking Issues related to the Fair Housing Act Issues related to Underbanked/Unbanked Consumers Federal Reserve Issues related to the Federal Reserve Central Digital Bank Currency Issues related to the Federal Reserve Consumer checking accounts Issues related to the E-SIGN Act Issues related to the Community Reinvestment Act FDIC Issues related to FDIC Deposit Insurance Issues related to the Bank Secrecy Act and Anti-Money Laundering Issues related to the Counter Terrorism & Illicit Finance Act Issues related to Parent Companies of Industrial Banks and Industrial Loan Companies Issues related to the Community Reinvestment Act SBA Issues related to Small Business Act Issues related to SBA 7(a) Loan Program and fees Issues related to SBA 504 Loan Program and fees Department of Education Issues related to the CFPBs and Department of Educations actions on student lending

H.R. 6037, To prohibit the Administrator of the Small Business Administration from directly making loans under the 7(a) loan program. H.J.Res.50, Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to "Small Business Lending Under the Equal Credit Opportunity Act (Regulation B) H.J.Res.66. Disapproving of the rule submitted by the Consumer Financial Protection Bureau relating to Small Business Lending Under the Equal Credit Opportunity Act (Regulation B). S.J.Res.32. Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to Small Business Lending Under the Equal Credit Opportunity Act (Regulation B) SBA 7(a) Lending Program Credit union member business lending H.R. 4868, Member Business Loan Expansion Act S.2482, Community Advantage Loan Program Act of 2023

Client expense: $2,160,000 · Firm income: Not reported

Small Business Administration 7(a) loan program - program policy, appropriations, authorization level, including regulatory and other Agency policy changes; H.R. 4664, Making appropriations for financial services and general government for the fiscal year ending September 30, 2024, and for other purposes; Paycheck Protection Program - program policy, implementation, modification, second draw loans; American Rescue Plan Act of 2021 [PL 117-2]; PPP Extension Act of 2021 [PL 117-6]; CARES Act [PL 116-136]; PPP Flexibility Act of 2020 [PL 116-142]; A bill to extend the authority for commitments for the paycheck protection program and separate amounts authorized for other loans undersection7(a)of the Small Business Act, and for other purposes [PL 116-147]; Economic Aid to Hard-Hit Small Businesses, Nonprofits, and Venues Act (Economic Aid Act)/ Consolidated Appropriations Act, 2021 [PL 116-260]; H.R. 7352, PPP and Bank Fraud Enforcement Harmonization Act of 2022 (PL 117-166); S. 2690, Expanding Access to Affordable Credit for Small Businesses Act; (117th Congress); H.R. 6833, Making continuing appropriations for fiscal year 2023, and for other purposes (PL 117-180); S. 5102, Community Advantage Loan Program Permanency Act of 2022; H.R. 8254, Financial Services and General Government Appropriations Act, 2023; S. 4685, Financial Services and General Government Appropriations Act, 2023; H.R. 8294, Transportation, Housing and Urban Development, and Related Agencies Appropriations Act, 2023; H.R. 6833, Continuing Appropriations and Ukraine Supplemental Appropriations Act, 2023 [PL 117-180]; H.R. 1437, Further Continuing Appropriations and Extensions Act, 2023 [PL 117-229]; H.R. 4373, Further Additional Continuing Appropriations and Extensions Act, 2023 [PL117-264]; H.R. 2617, Consolidated Appropriations Act, 2023 [PL 117-328]; S. 673, Small Business Child Care Investment Act; H.R. 2602, Small Business Child Care Investment Act; S. 2482, Community Advantage Loan Program Act of 2023; H.R. 5860, Continuing Appropriations Act, 2024 and Other Extensions Act

Small Business Administration 7(a) loan program - program policy, appropriations, authorization level, including regulatory and other Agency policy changes; H.R. 4664, Making appropriations for financial services and general government for the fiscal year ending September 30, 2024, and for other purposes; Paycheck Protection Program - program policy, implementation, modification, second draw loans; American Rescue Plan Act of 2021 [PL 117-2]; PPP Extension Act of 2021 [PL 117-6]; CARES Act [PL 116-136]; PPP Flexibility Act of 2020 [PL 116-142]; A bill to extend the authority for commitments for the paycheck protection program and separate amounts authorized for other loans undersection7(a)of the Small Business Act, and for other purposes [PL 116-147]; Economic Aid to Hard-Hit Small Businesses, Nonprofits, and Venues Act (Economic Aid Act)/ Consolidated Appropriations Act, 2021 [PL 116-260]; H.R. 7352, PPP and Bank Fraud Enforcement Harmonization Act of 2022 (PL 117-166); S. 2690, Expanding Access to Affordable Credit for Small Businesses Act; (117th Congress); H.R. 6833, Making continuing appropriations for fiscal year 2023, and for other purposes (PL 117-180); S. 5102, Community Advantage Loan Program Permanency Act of 2022; H.R. 8254, Financial Services and General Government Appropriations Act, 2023; S. 4685, Financial Services and General Government Appropriations Act, 2023; H.R. 8294, Transportation, Housing and Urban Development, and Related Agencies Appropriations Act, 2023; H.R. 6833, Continuing Appropriations and Ukraine Supplemental Appropriations Act, 2023 [PL 117-180]; H.R. 1437, Further Continuing Appropriations and Extensions Act, 2023 [PL 117-229]; H.R. 4373, Further Additional Continuing Appropriations and Extensions Act, 2023 [PL117-264]; H.R. 2617, Consolidated Appropriations Act, 2023 [PL 117-328]; S. 673, Small Business Child Care Investment Act; H.R. 2602, Small Business Child Care Investment Act; S. 2482, Community Advantage Loan Program Act of 2023; H.R. 5860, Continuing Appropriations Act, 2024 and Other Extensions Act

Small Business Administration 7(a) loan program - program policy, appropriations, authorization level, including regulatory and other Agency policy changes; H.R. 4664, Making appropriations for financial services and general government for the fiscal year ending September 30, 2024, and for other purposes; Paycheck Protection Program - program policy, implementation, modification, second draw loans; American Rescue Plan Act of 2021 [PL 117-2]; PPP Extension Act of 2021 [PL 117-6]; CARES Act [PL 116-136]; PPP Flexibility Act of 2020 [PL 116-142]; A bill to extend the authority for commitments for the paycheck protection program and separate amounts authorized for other loans undersection7(a)of the Small Business Act, and for other purposes [PL 116-147]; Economic Aid to Hard-Hit Small Businesses, Nonprofits, and Venues Act (Economic Aid Act)/ Consolidated Appropriations Act, 2021 [PL 116-260]; H.R. 7352, PPP and Bank Fraud Enforcement Harmonization Act of 2022 (PL 117-166); S. 2690, Expanding Access to Affordable Credit for Small Businesses Act; (117th Congress); H.R. 6833, Making continuing appropriations for fiscal year 2023, and for other purposes (PL 117-180); S. 5102, Community Advantage Loan Program Permanency Act of 2022; H.R. 8254, Financial Services and General Government Appropriations Act, 2023; S. 4685, Financial Services and General Government Appropriations Act, 2023; H.R. 8294, Transportation, Housing and Urban Development, and Related Agencies Appropriations Act, 2023; H.R. 6833, Continuing Appropriations and Ukraine Supplemental Appropriations Act, 2023 [PL 117-180]; H.R. 1437, Further Continuing Appropriations and Extensions Act, 2023 [PL 117-229]; H.R. 4373, Further Additional Continuing Appropriations and Extensions Act, 2023 [PL117-264]; H.R. 2617, Consolidated Appropriations Act, 2023 [PL 117-328]; S. 673, Small Business Child Care Investment Act; H.R. 2602, Small Business Child Care Investment Act; S. 2482, Community Advantage Loan Program Act of 2023; H.R. 5860, Continuing Appropriations Act, 2024 and Other Extensions Act