PRICE Act

Data privacy issues and legislative proposals. H.R. 3881/S. 1838, Credit Card Competition Act of 2023. S. 1419, Kids Online Safety Act. S. 1418, Children and Teens' Online Privacy Protection Act. FTC Notice of Proposed Rulemaking: Non-Compete Clause Rule. FTC Notice of Proposed Rulemaking: Trade Regulation Rule on Unfair or Deceptive Fees. Federal Reserve System Notice of Proposed Rulemaking: Debit Card Interchange Fees and Routing. S. 3161, Promoting Real-time Information on Cost Expenditure (PRICE) Act. H.R. 7531/S. 4570, Secure Payments Act of 2024. H.R. 7520, Protecting Americans' Data from Foreign Adversaries Act 2024. S. 4195, Childhood Diabetes Reduction Act of 2024. H.R. 8818, American Privacy Rights Act of 2024. H.R. 8337, Bank Resilience and Regulatory Improvement Act.

Client expense: $820,000 · Firm income: Not reported

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

HR 1797: SETTING CONSUMER STANDARDS FOR LITHIUM-ION BATTERIES ACT; ALL PROVISIONS OF THE BILL HR 7890: CHILDREN AND TEENS' ONLINE PRIVACY PROTECTION ACT; ALL PROVISIONS OF THE BILL HR 7891: KIDS ONLINE SAFETY ACT; ALL PROVISIONS OF THE BILL HR 8818: AMERICAN PRIVACY RIGHTS ACT OF 2024; ALL PROVISIONS OF THE BILL S 1008: SETTING CONSUMER STANDARDS FOR LITHIUM-ION BATTERIES ACT; ALL PROVISIONS OF THE BILL S 1409: KIDS ONLINE SAFETY ACT; ALL PROVISIONS OF THE BILL S 1418: CHILDREN AND TEENS' ONLINE PRIVACY PROTECTION ACT; ALL PROVISIONS OF THE BILL S 3161: PROMOTING REAL-TIME INFORMATION ON COST EXPENDITURE ACT (PRICE ACT); ALL PROVISIONS OF THE BILL 88 FR 77420: TRADE REGULATION RULE ON UNFAIR OR DECEPTIVE FEES; ALL PROVISIONS OF THE RULE GENERAL DISCUSSIONS REGARDING JUNK FEES

Client expense: $170,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Matters related to third-party delivery and service fees, pricing transparency S.3161 - PRICE Act; All provisions of the bill Trade Regulation Rule on Unfair or Deceptive Fees (FTC-2023-0064) H.R.1797/S.1008 - Setting Consumer Standards for Lithium-Ion Batteries Act; All provisions Lithium-Ion Battery Safety; Notice of Meeting and Request for Comments (CPSC-2023-0025)

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

Government targets: Consumer Product Safety Commission (CPSC), HOUSE OF REPRESENTATIVES, SENATE, White House Office

Protect the credit union tax exemption Support legislation and regulation that advance credit unions and their over 140 million members Support regulatory relief for credit unions Support credit union field of membership expansion and modernization Support regulator- and bank-approved credit union-bank mergers Support financial inclusion and increased access to financial services Support assistance for minority depository institution credit unions Oppose Community Reinvestment Act requirements for credit unions Support Federal Credit Union Act modernization Support expanded credit union investment authority Support expanded credit union examination cycle Support increased examination transparency Support Central Liquidity Facility enhancements Oppose NCUA examination of credit union vendors Support parity for credit union provision of digital asset services Prevent competitive disadvantages for credit unions and market distortions related to the integration of digital assets into traditional financial products Support parity for credit unions related to stablecoin regulation Support modification of credit union loan maturity limits Oppose National Credit Union Share Insurance Fund structural changes Oppose National Credit Union Share Insurance Fund premium assessment Support Community Development Financial Institutions Fund transparency Issues related to housing finance reform Issues related to flood insurance Issues related to privately insured credit unions Issues related to credit union capital requirements Issues related to credit union conversions Issues related to credit unions as employers Issues related to the Foreign Account Tax Compliance Act Issues related to fair lending Issues related to the Telephone Consumer Protection Act Support mandatory arbitration agreements Oppose national interest rate cap Support reduced government-sponsored enterprises costs for credit union mortgages Support secondary mortgage market access for credit unions Support credit union access to Federal Home Loan Banks system Support making CFPB subject to regular appropriations process Support restructuring CFPB leadership to a bipartisan commission Support increasing asset thresholds for CFPB supervision Support clarification of CFPB unfair, deceptive, or abusive acts and practices authority Support CFPB use of Section 1022 authority to exempt credit unions from certain regulations Support CFPB oversight and monitoring of nonbank entities Oppose CFPB efforts to avoid requirements of the rulemaking process Support CFPB use and disclosure of relevant data in rulemakings Support CFPB policies to promote innovation and access to credit Support CFPB coordination with NCUA on policy matters and examination scheduling Oppose mislabeling financial services fees as junk fees Oppose arbitrary limits on credit union fee income Support federal data privacy and security standard that exempts Gramm-Leach-Bliley Act covered institutions, preempts state laws, and does not authorize private right of action Oppose Regulation II debit interchange fee cap Oppose Federal Reserve proposed rule on modifying Regulation II debit interchange cap Support holistic evaluation of regulatory burden on credit unions Oppose expansion of Electronic Fund Transfer Act/Regulation E financial institution liability Support fair distribution of Electronic Fund Transfer Act/Regulation E error resolution responsibilities Oppose Electronic Fund Transfer Act/Regulation E liability for financial institutions for consumer-authorized transactions Oppose nominal leases for banks on military installations Oppose development of a central bank digital currency Oppose proposed new tax reporting requirements for financial institutions Support credit union access to Federal Reserve liquidity options Support FinCEN implementation of the Corporate Transparency Act Support exemptions for CFPB Section 1071 final rule Oppose legislative action on the Overseas Military Banking Program Oppose credit union-related amendments to the FY 2025 National Defense Authorization Act Support federal share insurance for all credit unions acting as fiscal agents of the U.S. government Oppose CFPB proposed rule on overdraft for very large financial institutions Oppose CFPB efforts to restrict information in credit reports Oppose Credit Card Competition Act (H.R. 3881, S. 1838) Support Secure and Fair Enforcement Banking Act (H.R. 2891; S. 1323) Support Secure And Fair Enforcement Regulation Banking Act (S. 2860) Oppose Capping Credit Card Interest Rates Act (S. 2760) Support Close the Shadow Banking Loophole Act (S. 3538) Support Business of Insurance Regulatory Reform Act (H.R. 7000; S. 3592) Oppose Strengthening Cybersecurity for the Financial Sector Act (H.R. 7036) Support resolution of disapproval for CFPB credit card penalty fees final rule (S.J.Res. 70; H.J.Res. 122) Support CBDC Anti-Surveillance State Act (H.R. 5403; S. 3801) Support CDFI Fund Transparency Act (S. 3161; S. 2674) Support Consumer Financial Protection Commission Act (H.R. 1410) Support CFPB Transparency and Accountability Reform Act (H.R. 2798) Support Fair Audits and Inspections for Regulators Exams Act (H.R. 8071) Support Credit Union Board Modernization Act (H.R. 582, S. 610) Support Member Business Loan Expansion Act (H.R. 4868) Support Veterans Member Business Loan Act (H.R. 4867; S. 539) Support Expanding Access to Lending Options Act (H.R. 6933) Oppose House National Defense Authorization Act Amendment #645 on the Overseas Military Banking Program Support Rural Credit Access Act (H.R. 7338) Support Secure Payments Act (H.R. 7531; S. 4570) Support Consumer Financial Protection Bureau Accountability Act (S. 4521) Oppose American Privacy Rights Act (H.R. 8818) Oppose inclusion of American Privacy Rights Act as amendment to other legislation Oppose Protecting Consumers from Payment Scams Act (H.R. 9303; S. 4943) Support Affordable Future Loan Program Act (S. 4926) Oppose CFPB credit card penalty fees final rule Oppose CFPB Section 1071 final rule Oppose CFPB Section 1033 proposed rule Oppose NCUA Call Report collection of overdraft and NSF fee revenue data Oppose NCUA disclosure of credit union overdraft and NSF fee revenue data Support NCUA action to permit credit union reimbursement of childcare expenses for federal credit union board meetings Oppose collection of vendor information in NCUA Credit Union Profile Oppose changes to NCUA collection forms outside rulemaking process Oppose NCUA proposed rule on succession planning Oppose CFPB mischaracterization of overdraft programs Oppose CFPB proposed rule on modifications to mortgage loss mitigation regulations Support gradual expansion of Fedwire and National Settlement Service operating hours with optional participation Support NCUA recognition of digital banking in service facility definition Support clarification of NCUA member expulsion regulations Support NCUA proposed rule on increasing overdraft flexibility Support NCUA recognition of government sponsored enterprises as government agencies for loan maturity limit purposes Support NCUA adoption of floating interest rate cap Support modification of NCUA commercial loan definition Support increased flexibility in NCUA occupancy requirements Support NCUA modification of low-income designation process Support expanding NCUA qualified charity definition Support expansion of Federal Home Loan Bank Act community financial institution definition Support Federal Home Loan Bank engagement with credit unions Oppose adoption of volume-based incentives for Federal Home Loan Banks Oppose policy changes to limit access to Federal Home Loan Bank liquidity Support harmonization of federal cyber incident notification standards Oppose CFPB action to shift burden of negotiating mortgage closing fees to financial institutions Support credit union access to universal service fund letters of credit program Support additional time to implement anti-money laundering/countering financing of terrorism program changes and publication of guidance Support consumer protection regulations for buy-now-pay-later loan providers Support regulatory framework for artificial intelligence that allows responsible innovation and recognizes compliance with existing regulations Oppose prohibition on use of medical debt information in credit decisions

HR 1797: SETTING CONSUMER STANDARDS FOR LITHIUM-ION BATTERIES ACT; ALL PROVISIONS OF THE BILL HR 8818: AMERICAN PRIVACY RIGHTS ACT OF 2024; ALL PROVISIONS OF THE BILL S 1008: SETTING CONSUMER STANDARDS FOR LITHIUM-ION BATTERIES ACT; ALL PROVISIONS OF THE BILL S 3161: PROMOTING REAL-TIME INFORMATION ON COST EXPENDITURE ACT (PRICE ACT); ALL PROVISIONS OF THE BILL 88 FR 77420: TRADE REGULATION RULE ON UNFAIR OR DECEPTIVE FEES; ALL PROVISIONS OF THE RULE GENERAL DISCUSSIONS REGARDING JUNK FEES

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Matters related to third-party delivery and service fees, pricing transparency S.3161 - PRICE Act; All provisions of the bill Trade Regulation Rule on Unfair or Deceptive Fees (FTC-2023-0064) H.R.1797/S.1008 - Setting Consumer Standards for Lithium-Ion Batteries Act; All provisions Lithium-Ion Battery Safety; Notice of Meeting and Request for Comments (CPSC-2023-0025)

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

Government targets: Consumer Product Safety Commission (CPSC), HOUSE OF REPRESENTATIVES, SENATE, White House Office

Data privacy issues and legislative proposals. H.R. 3881/S. 1838, Credit Card Competition Act of 2023. S. 1419, Kids Online Safety Act. S. 1418, Children and Teens' Online Privacy Protection Act. FTC Notice of Proposed Rulemaking: Non-Compete Clause Rule. FTC Notice of Proposed Rulemaking: Trade Regulation Rule on Unfair or Deceptive Fees. Federal Reserve System Notice of Proposed Rulemaking: Debit Card Interchange Fees and Routing. S. 3161, Promoting Real-time Information on Cost Expenditure (PRICE) Act. H.R. 7531, Secure Payments Act of 2024. H.R. 7520, Protecting Americans' Data from Foreign Adversaries Act 2024. S. 4195, Childhood Diabetes Reduction Act of 2024. H.R. 8818, American Privacy Rights Act of 2024. H.R. 8337, Bank Resilience and Regulatory Improvement Act.

Client expense: $880,000 · Firm income: Not reported

HR 1797: SETTING CONSUMER STANDARDS FOR LITHIUM-ION BATTERIES ACT; ALL PROVISIONS OF THE BILL S 1008: SETTING CONSUMER STANDARDS FOR LITHIUM-ION BATTERIES ACT; ALL PROVISIONS OF THE BILL S 3161: PROMOTING REAL-TIME INFORMATION ON COST EXPENDITURE ACT (PRICE ACT); ALL PROVISIONS OF THE BILL 88 FR 77420: TRADE REGULATION RULE ON UNFAIR OR DECEPTIVE FEES; ALL PROVISIONS OF THE RULE

Client expense: $170,000 · Firm income: Not reported

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

Data privacy issues and legislative proposals. American Data Privacy and Protection Act (draft legislation). H.R. 3881/S. 1838, Credit Card Competition Act of 2023. S. 1419, Kids Online Safety Act. S. 1418, Children and Teens' Online Privacy Protection Act. FTC Notice of Proposed Rulemaking: Non-Compete Clause Rule. FTC Notice of Proposed Rulemaking: Trade Regulation Rule on Unfair or Deceptive Fees. Federal Reserve System Notice of Proposed Rulemaking: Debit Card Interchange Fees and Routing. S. 3161, Promoting Real-time Information on Cost Expenditure (PRICE) Act. H.R. 7531, Secure Payments Act of 2024. H.R. 7520, Protecting Americans' Data from Foreign Adversaries Act 2024.

Client expense: $890,000 · Firm income: Not reported

Matters related to third-party delivery and service fees, pricing transparency S.3161 - PRICE Act; All provisions of the bill Trade Regulation Rule on Unfair or Deceptive Fees (FTC-2023-0064) H.R.1797/S.1008 - Setting Consumer Standards for Lithium-Ion Batteries Act; All provisions Lithium-Ion Battery Safety; Notice of Meeting and Request for Comments (CPSC-2023-002

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

Government targets: Consumer Product Safety Commission (CPSC), HOUSE OF REPRESENTATIVES, SENATE, White House Office

HR 1797: SETTING CONSUMER STANDARDS FOR LITHIUM-ION BATTERIES ACT; ALL PROVISIONS OF THE BILL S 1008: SETTING CONSUMER STANDARDS FOR LITHIUM-ION BATTERIES ACT; ALL PROVISIONS OF THE BILL S 3161: PROMOTING REAL-TIME INFORMATION ON COST EXPENDITURE ACT (PRICE ACT); ALL PROVISIONS OF THE BILL 88 FR 77420: TRADE REGULATION RULE ON UNFAIR OR DECEPTIVE FEES; PROVISIONS RELATED TO PROPOSED RULE

Client expense: $260,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Data privacy issues and legislative proposals. American Data Privacy and Protection Act (draft legislation). H.R. 3881/S. 1838, Credit Card Competition Act of 2023. S. 1419, Kids Online Safety Act. S. 1418, Children and Teens' Online Privacy Protection Act. FTC Notice of Proposed Rulemaking: Non-Compete Clause Rule. FTC Notice of Proposed Rulemaking: Trade Regulation Rule on Unfair or Deceptive Fees. Federal Reserve System Notice of Proposed Rulemaking: Debit Card Interchange Fees and Routing. S. 3161, Promoting Real-time Information on Cost Expenditure (PRICE) Act.

Client expense: $870,000 · Firm income: Not reported

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

Matters related to third-party delivery and service fees, pricing transparency S.3161 - PRICE Act; All provisions of the bill Trade Regulation Rule on Unfair or Deceptive Fees(FTC-2023-0064) H.R.1797/S.1008 - Setting Consumer Standards for Lithium-Ion Batteries Act; All provisions Lithium-Ion Battery Safety; Notice of Meeting and Request for Comments (CPSC-2023-002

Client expense: $440,000 · Firm income: Not reported

Government targets: Consumer Product Safety Commission (CPSC), HOUSE OF REPRESENTATIVES, SENATE, White House Office