Protecting Consumers from Unreasonable Credit Rates Act of 2023

General issues related to installment lending. S.2730 - Protecting Consumers from Unreasonable Credit Rates Act of 2023. H.R. 9991 - Ending Scam Credit Repair Act (ESCRA). General Issues related to the CFPB. General issues related to Credit Repair Organizations. Issues related to auto finance.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

All legislation related to consumer lending regulation and consumer lending policy. S. 1323, The SAFE Banking Act of 2023 H.R. 2891, The SAFE Banking Act of 2023 S, 293, The Fair Access to Banking Act H.R. 2743, The Fair Access to Banking Act S. 2860, The SAFER Banking Act S. 2730, The Protecting Consumers from Unreasonable Credit Rates Act of 2023 S. 3549, The Predatory Lending Elimination Act

Client expense: Not reported · Firm income: $70,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Digital assets, mobile payments, fraud, data security, data storage, open banking, regulatory reform, tax reporting, payments systems, cyber-security, financial services, merchant cash advances, privacy. FinCEN, Harmonizing CIP products; CFPB proposed rule, Registry of Supervised Nonbanks That Use Form Contracts To Impose Terms and Conditions That Seek To Waive or Limit Consumer Legal Protections; CFPB proposed rule, Registry of Nonbank Covered Persons Subject to Certain Agency and Court Orders; White House OSTP RFI, Digital Assets Research and Development. H.R. 1747, "Blockchain Regulatory Certainty Act," H.R. 370, "FinCEN Modernization Act of 2023," H.R. 556, "21st Century Dollar Act," H.R. 8997, "No SmartPay for Anti-2A Companies Act." "H.R. 4192, To apply the Truth in Lending Act to small business financing, and for other purposes," "S. 2021, Small Business Financing Disclosure Act of 2023," "S. 1934, Empowering States' Rights To Protect Consumers Act of 2023," "H.R. 3881, Credit Card Competition Act of 2023," "S. 1838, Credit Card Competition Act of 2023," "S. 1323, SAFE Banking Act of 2023," "H.R. 2891, SAFE Banking Act of 2023." "S. 2281, Lummis-Gillibrand Responsible Financial Innovation Act." "S. 2348,Payments Modernization Act of 2023." "S. 2335, Financial Regulatory Accountability Act of 2023." "S. 2355, Crypto-Asset National Security Enhancement and Enforcement Act of 2023." "H. Res. 604, Expressing support for blockchain technology and digital assets." "H.R. 4766, Clarity for Payment Stablecoins Act of 2023." "H.R. 4763, Financial Innovation and Technology for the 21st Century Act." "S. 2403, Payroll Account Guarantee Act of 2023." "S. 2449, Ensuring Fee-Free Benefit Transactions Act of 2023." "H.R. 4841, Keep Your Coins Act of 2023." "S. 2669, Digital Asset Anti-Money Laundering Act of 2023." "H.R. 5050, Cryptocurrency Accountability Act." "H.R. 5039, Payments Modernization Act of 2023." "H.R. 5032, Cease Orwellian Surveillance and Targeting Act of 2023." "S. 2730, Protecting Consumers from Unreasonable Credit Rates Act of 2023." "S. 2760, Capping Credit Card Interest Rates Act." "H.R. 5403, CBDC Anti-Surveillance State Act." "H.R. 5410, ECASH Act." "H.R. 5447, No Alipay Act of 2023." "H.R. 5472, FinCEN Oversight and Accountability Act of 2023." "H.R. 5485, Financial Privacy Act of 2023." "S. 3538, Close the Shadow Banking Loophole Act." CFPB proposed rule; Section 1033 of Dodd-Frank Act.

General issues related to consumer lending. S.2730 - Protecting Consumers from Unreasonable Credit Rates Act of 2023. H.R.1165 - Data Privacy Act of 2023. H.R.8818 - American Privacy Rights Act of 2024.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

General issues related to installment lending. S.2730 - Protecting Consumers from Unreasonable Credit Rates Act of 2023. General Issues realted to the CFPB. General issues related to Credit Repair Organizations. Issues related to auto finance.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Digital assets, mobile payments, fraud, data security, data storage, open banking, regulatory reform, tax reporting, payments systems, cyber-security, financial services, merchant cash advances, privacy. FinCEN, Harmonizing CIP products; CFPB proposed rule, Registry of Supervised Nonbanks That Use Form Contracts To Impose Terms and Conditions That Seek To Waive or Limit Consumer Legal Protections; CFPB proposed rule, Registry of Nonbank Covered Persons Subject to Certain Agency and Court Orders; White House OSTP RFI, Digital Assets Research and Development. H.R. 1747, "Blockchain Regulatory Certainty Act," H.R. 370, "FinCEN Modernization Act of 2023," H.R. 556, "21st Century Dollar Act," H.R. 8997, "No SmartPay for Anti-2A Companies Act." "H.R. 4192, To apply the Truth in Lending Act to small business financing, and for other purposes," "S. 2021, Small Business Financing Disclosure Act of 2023," "S. 1934, Empowering States' Rights To Protect Consumers Act of 2023," "H.R. 3881, Credit Card Competition Act of 2023," "S. 1838, Credit Card Competition Act of 2023," "S. 1323, SAFE Banking Act of 2023," "H.R. 2891, SAFE Banking Act of 2023." "S. 2281, Lummis-Gillibrand Responsible Financial Innovation Act." "S. 2348,Payments Modernization Act of 2023." "S. 2335, Financial Regulatory Accountability Act of 2023." "S. 2355, Crypto-Asset National Security Enhancement and Enforcement Act of 2023." "H. Res. 604, Expressing support for blockchain technology and digital assets." "H.R. 4766, Clarity for Payment Stablecoins Act of 2023." "H.R. 4763, Financial Innovation and Technology for the 21st Century Act." "S. 2403, Payroll Account Guarantee Act of 2023." "S. 2449, Ensuring Fee-Free Benefit Transactions Act of 2023." "H.R. 4841, Keep Your Coins Act of 2023." "S. 2669, Digital Asset Anti-Money Laundering Act of 2023." "H.R. 5050, Cryptocurrency Accountability Act." "H.R. 5039, Payments Modernization Act of 2023." "H.R. 5032, Cease Orwellian Surveillance and Targeting Act of 2023." "S. 2730, Protecting Consumers from Unreasonable Credit Rates Act of 2023." "S. 2760, Capping Credit Card Interest Rates Act." "H.R. 5403, CBDC Anti-Surveillance State Act." "H.R. 5410, ECASH Act." "H.R. 5447, No Alipay Act of 2023." "H.R. 5472, FinCEN Oversight and Accountability Act of 2023." "H.R. 5485, Financial Privacy Act of 2023." "S. 3538, Close the Shadow Banking Loophole Act." CFPB proposed rule; Section 1033 of Dodd-Frank Act.

General issues related to consumer lending. S.2730 - Protecting Consumers from Unreasonable Credit Rates Act of 2023. H.R.1165 - Data Privacy Act of 2023. Discussion draft of American Privacy Rights Act of 2024.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

General issues related to installment lending. S.2730 - Protecting Consumers from Unreasonable Credit Rates Act of 2023. General Issues realted to the CFPB. General issues related to Credit Repair Organizations. Issues related to auto finance.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

All legislation related to consumer lending regulation and consumer lending policy. S. 1323, The SAFE Banking Act of 2023 H.R. 2891, The SAFE Banking Act of 2023 S, 293, The Fair Access to Banking Act H.R. 2743, The Fair Access to Banking Act S. 2860, The SAFER Banking Act S. 2730, The Protecting Consumers from Unreasonable Credit Rates Act of 2023 S. 3549, The Predatory Lending Elimination Act

Client expense: Not reported · Firm income: $70,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

All legislation related to consumer lending regulation and consumer lending policy. S. 1323, The SAFE Banking Act of 2023 H.R. 2891, The SAFE Banking Act of 2023 S, 293, The Fair Access to Banking Act H.R. 2743, The Fair Access to Banking Act S. 2860, The SAFER Banking Act S. 2730, The Protecting Consumers from Unreasonable Credit Rates Act of 2023 S. 3549, The Predatory Lending Elimination Act

Client expense: Not reported · Firm income: $70,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

General issues related to consumer lending. S.2730 - Protecting Consumers from Unreasonable Credit Rates Act of 2023. H.R.1165 - Data Privacy Act of 2023.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

General issues related to installment lending. S.2730 - Protecting Consumers from Unreasonable Credit Rates Act of 2023. General Issues realted to the CFPB. General issues related to Credit Repair Organizations. Issues related to auto finance.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Digital assets, mobile payments, fraud, data security, data storage, open banking, regulatory reform, tax reporting, payments systems, cyber-security, financial services, merchant cash advances, privacy. FinCEN, Harmonizing CIP products; CFPB proposed rule, Registry of Supervised Nonbanks That Use Form Contracts To Impose Terms and Conditions That Seek To Waive or Limit Consumer Legal Protections; CFPB proposed rule, Registry of Nonbank Covered Persons Subject to Certain Agency and Court Orders; White House OSTP RFI, Digital Assets Research and Development. H.R. 1747, "Blockchain Regulatory Certainty Act," H.R. 370, "FinCEN Modernization Act of 2023," H.R. 556, "21st Century Dollar Act," H.R. 8997, "No SmartPay for Anti-2A Companies Act." "H.R. 4192, To apply the Truth in Lending Act to small business financing, and for other purposes," "S. 2021, Small Business Financing Disclosure Act of 2023," "S. 1934, Empowering States' Rights To Protect Consumers Act of 2023," "H.R. 3881, Credit Card Competition Act of 2023," "S. 1838, Credit Card Competition Act of 2023," "S. 1323, SAFE Banking Act of 2023," "H.R. 2891, SAFE Banking Act of 2023." "S. 2281, Lummis-Gillibrand Responsible Financial Innovation Act." "S. 2348,Payments Modernization Act of 2023." "S. 2335, Financial Regulatory Accountability Act of 2023." "S. 2355, Crypto-Asset National Security Enhancement and Enforcement Act of 2023." "H. Res. 604, Expressing support for blockchain technology and digital assets." "H.R. 4766, Clarity for Payment Stablecoins Act of 2023." "H.R. 4763, Financial Innovation and Technology for the 21st Century Act." "S. 2403, Payroll Account Guarantee Act of 2023." "S. 2449, Ensuring Fee-Free Benefit Transactions Act of 2023." "H.R. 4841, Keep Your Coins Act of 2023." "S. 2669, Digital Asset Anti-Money Laundering Act of 2023." "H.R. 5050, Cryptocurrency Accountability Act." "H.R. 5039, Payments Modernization Act of 2023." "H.R. 5032, Cease Orwellian Surveillance and Targeting Act of 2023." "S. 2730, Protecting Consumers from Unreasonable Credit Rates Act of 2023." "S. 2760, Capping Credit Card Interest Rates Act." "H.R. 5403, CBDC Anti-Surveillance State Act." "H.R. 5410, ECASH Act." "H.R. 5447, No Alipay Act of 2023." "H.R. 5472, FinCEN Oversight and Accountability Act of 2023." "H.R. 5485, Financial Privacy Act of 2023." "S. 3538, Close the Shadow Banking Loophole Act." CFPB proposed rule; Section 1033 of Dodd-Frank Act.

General issues related to consumer lending. S.2730 - Protecting Consumers from Unreasonable Credit Rates Act of 2023. H.R.1165 - Data Privacy Act of 2023.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

All legislation related to consumer lending regulation and consumer lending policy. S. 1323, The SAFE Banking Act of 2023 H.R. 2891, The SAFE Banking Act of 2023 S, 293, The Fair Access to Banking Act H.R. 2743, The Fair Access to Banking Act S. 2860, The SAFER Banking Act S. 2730, The Protecting Consumers from Unreasonable Credit Rates Act of 2023 S. 3549, The Predatory Lending Elimination Act

Client expense: Not reported · Firm income: $70,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

General issues related to installment lending. S.2730 - Protecting Consumers from Unreasonable Credit Rates Act of 2023. General Issues realted to the CFPB. General issues related to Credit Repair Organizations. Issues related to auto finance.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Digital assets, mobile payments, fraud, data security, data storage, open banking, regulatory reform, tax reporting, payments systems, cyber-security, financial services, merchant cash advances, privacy. FinCEN, Harmonizing CIP products; CFPB proposed rule, Registry of Supervised Nonbanks That Use Form Contracts To Impose Terms and Conditions That Seek To Waive or Limit Consumer Legal Protections; CFPB proposed rule, Registry of Nonbank Covered Persons Subject to Certain Agency and Court Orders; White House OSTP RFI, Digital Assets Research and Development. H.R. 1747, "Blockchain Regulatory Certainty Act," H.R. 370, "FinCEN Modernization Act of 2023," H.R. 556, "21st Century Dollar Act," H.R. 8997, "No SmartPay for Anti-2A Companies Act." "H.R. 4192, To apply the Truth in Lending Act to small business financing, and for other purposes," "S. 2021, Small Business Financing Disclosure Act of 2023," "S. 1934, Empowering States' Rights To Protect Consumers Act of 2023," "H.R. 3881, Credit Card Competition Act of 2023," "S. 1838, Credit Card Competition Act of 2023," "S. 1323, SAFE Banking Act of 2023," "H.R. 2891, SAFE Banking Act of 2023." "S. 2281, Lummis-Gillibrand Responsible Financial Innovation Act." "S. 2348,Payments Modernization Act of 2023." "S. 2335, Financial Regulatory Accountability Act of 2023." "S. 2355, Crypto-Asset National Security Enhancement and Enforcement Act of 2023." "H. Res. 604, Expressing support for blockchain technology and digital assets." "H.R. 4766, Clarity for Payment Stablecoins Act of 2023." "H.R. 4763, Financial Innovation and Technology for the 21st Century Act." "S. 2403, Payroll Account Guarantee Act of 2023." "S. 2449, Ensuring Fee-Free Benefit Transactions Act of 2023." "H.R. 4841, Keep Your Coins Act of 2023." "S. 2669, Digital Asset Anti-Money Laundering Act of 2023." "H.R. 5050, Cryptocurrency Accountability Act." "H.R. 5039, Payments Modernization Act of 2023." "H.R. 5032, Cease Orwellian Surveillance and Targeting Act of 2023." "S. 2730, Protecting Consumers from Unreasonable Credit Rates Act of 2023." "S. 2760, Capping Credit Card Interest Rates Act." "H.R. 5403, CBDC Anti-Surveillance State Act." "H.R. 5410, ECASH Act." "H.R. 5447, No Alipay Act of 2023." "H.R. 5472, FinCEN Oversight and Accountability Act of 2023." "H.R. 5485, Financial Privacy Act of 2023." "S. 3538, Close the Shadow Banking Loophole Act." CFPB proposed rule; Section 1033 of Dodd-Frank Act.

FY 2024 Appropriations; funding for recovery housing and substance use disorders (SUD); expanding access to Medication-Assisted Treatment (MAT); mental health and SUD legislation; CAREER Act (H.R. 5736/S.2730); Reentry Act of 2023 (H.R.2400); SUPPORT for Patients and Communities Reauthorization Act (S. 3393); and The Support for Patients and Communities Reauthorization (SUPPORT) Act of 2023 (H.R.4531).

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

CFPB authority and funtions, related to structure and supervision, research and enforcement priorities Increased supervision and enforcement of unregulated "fintech" products like BNPL and faux EWA providers Eliminating excessive banking fees, including overdraft CFPB Examination of nonbank mortgage, private loan, and payday loan entities Opposition to FSGG Appropriations language restricting CFPB and FTC Statutory prohibition on abusive conduct in financial markets Junk fees imposed by providers of consumer financial products and services Supporting a CFPB forced arbitration rulemaking H.R.2798 - CFPB Transparency and Accountability Reform Act, a bill to place the CFPB in appropriations, enact a commission structiuon, and other revisions S.2730 - Protecting Consumers from Unreasonable Credit Rates Act of 2023, a bill to amend the Truth in Lending Act to establish a national usury rate for consumer credit transactions H.R.4763 - the Financial Innovation and Technology for the 21st Century Act, a bill to provide for a system of regulation of digital assets by the Commodity Futures Trading Commission and the Securities and Exchange Commission, and for other purposes S.1838 -CreditCardCompetitionActof 2023, a bill to address network access and competition in electronic credit transactions S.___ / H.R.___ - A bill to amend the Truth in Lending Act to extend the consumer credit protections provided to members of the Armed Forces and their dependents under title 10, United States Code, to all consumers S.___ / H.R.___ - A bill to prohibit a financial institution from engaging in unfair or deceptive acts in connection with overdraft coverage S.___ / H.R.___ - A bill to reform the regulation of industrial loan companies and their parent companies

Implementation of Public Law 115-174 (S. 2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act: entire bill, including Social Security Administration to modernize identification verification system) Identity and Fraud issues, including synthetic identity fraud and credit washing Tax reform (Tax Cuts and Jobs Act of the 115th Congress and Americas Job Plan): issues related to net operating loss (NOL) carryback provision, corporate tax rate Issues relating to the Consumer Financial Protection Bureau, including ESIGN, implementation of Sec. 1071, late fee proposed rule, and general credit card issues Issues relating to the Financial Stability Oversight Council and the Federal Accounting Standards Boards Current Expected Credit Loss (CECL) standards Issues relating to consumer credit (including Buy Now and Pay Later, the MAPR of the Military Lending Act, and proposed credit card rate caps); including S. 2760, S. 2730, S.A. 1225 to H.R. 4366, and S.A. 1285 to H.R. 4366. Issues relating to privacy (no bill); Issues relating to data security (no bill); Issues relating to cybersecurity of the financial services industry (no bill); Issues relating to FCC interpretations of the Telephone Consumer Protection Act (TCPA) (no bill) Issues related to diversity and inclusion (no bill) Industrial Loan Company Issues (no bill) Issues related to arbitration in consumer agreements Issues related to pandemic effects on supply chain and global trade (no bill) Issues related to payment card acceptance in connection with health, wellness, and related services (no bill)

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

Implementation of Public Law 115-174 (S. 2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act: entire bill, including Social Security Administration to modernize identification verification system) Identity and Fraud issues, including synthetic identity fraud and credit washing Tax reform (Tax Cuts and Jobs Act of the 115th Congress and Americas Job Plan): issues related to net operating loss (NOL) carryback provision, corporate tax rate Issues relating to the Consumer Financial Protection Bureau, including ESIGN, implementation of Sec. 1071, late fee proposed rule, and general credit card issues Issues relating to the Financial Stability Oversight Council and the Federal Accounting Standards Boards Current Expected Credit Loss (CECL) standards Issues relating to consumer credit (including Buy Now and Pay Later, the MAPR of the Military Lending Act, and proposed credit card rate caps); including S. 2760, S. 2730, S.A. 1225 to H.R. 4366, and S.A. 1285 to H.R. 4366. Issues relating to privacy (no bill); Issues relating to data security (no bill); Issues relating to cybersecurity of the financial services industry (no bill); Issues relating to FCC interpretations of the Telephone Consumer Protection Act (TCPA) (no bill) Issues related to diversity and inclusion (no bill) Industrial Loan Company Issues (no bill) Issues related to arbitration in consumer agreements Issues related to pandemic effects on supply chain and global trade (no bill) Issues related to payment card acceptance in connection with health, wellness, and related services (no bill)

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

General issues related to consumer lending. S.2730 - Protecting Consumers from Unreasonable Credit Rates Act of 2023. H.R.1165 - Data Privacy Act of 2023.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

Digital assets, mobile payments, fraud, data security, data storage, open banking, regulatory reform, tax reporting, payments systems, cyber-security, financial services, merchant cash advances, privacy. FinCEN, Harmonizing CIP products; CFPB proposed rule, Registry of Supervised Nonbanks That Use Form Contracts To Impose Terms and Conditions That Seek To Waive or Limit Consumer Legal Protections; CFPB proposed rule, Registry of Nonbank Covered Persons Subject to Certain Agency and Court Orders; White House OSTP RFI, Digital Assets Research and Development. H.R. 1747, "Blockchain Regulatory Certainty Act," H.R. 370, "FinCEN Modernization Act of 2023," H.R. 556, "21st Century Dollar Act," H.R. 8997, "No SmartPay for Anti-2A Companies Act." "H.R. 4192, To apply the Truth in Lending Act to small business financing, and for other purposes," "S. 2021, Small Business Financing Disclosure Act of 2023," "S. 1934, Empowering States' Rights To Protect Consumers Act of 2023," "H.R. 3881, Credit Card Competition Act of 2023," "S. 1838, Credit Card Competition Act of 2023," "S. 1323, SAFE Banking Act of 2023," "H.R. 2891, SAFE Banking Act of 2023." "S. 2281, Lummis-Gillibrand Responsible Financial Innovation Act." "S. 2348,Payments Modernization Act of 2023." "S. 2335, Financial Regulatory Accountability Act of 2023." "S. 2355, Crypto-Asset National Security Enhancement and Enforcement Act of 2023." "H. Res. 604, Expressing support for blockchain technology and digital assets." "H.R. 4766, Clarity for Payment Stablecoins Act of 2023." "H.R. 4763, Financial Innovation and Technology for the 21st Century Act." "S. 2403, Payroll Account Guarantee Act of 2023." "S. 2449, Ensuring Fee-Free Benefit Transactions Act of 2023." "H.R. 4841, Keep Your Coins Act of 2023." "S. 2669, Digital Asset Anti-Money Laundering Act of 2023." "H.R. 5050, Cryptocurrency Accountability Act." "H.R. 5039, Payments Modernization Act of 2023." "H.R. 5032, Cease Orwellian Surveillance and Targeting Act of 2023." "S. 2730, Protecting Consumers from Unreasonable Credit Rates Act of 2023." "S. 2760, Capping Credit Card Interest Rates Act." "H.R. 5403, CBDC Anti-Surveillance State Act." "H.R. 5410, ECASH Act." "H.R. 5447, No Alipay Act of 2023." "H.R. 5472, FinCEN Oversight and Accountability Act of 2023." "H.R. 5485, Financial Privacy Act of 2023."

General issues related to installment lending. S.2730 - Protecting Consumers from Unreasonable Credit Rates Act of 2023. General Issues realted to the CFPB. General issues related to Credit Repair Organizations. Issues related to auto finance.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

All legislation related to consumer lending regulation and consumer lending policy. S. 1323, The SAFE Banking Act of 2023 H.R. 2891, The SAFE Banking Act of 2023 S, 293, The Fair Access to Banking Act H.R. 2743, The Fair Access to Banking Act S. 2860, The SAFER Banking Act S. 2730, The Protecting Consumers from Unreasonable Credit Rates Act of 2023

Client expense: Not reported · Firm income: $70,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE