Consumer Financial Protection Bureau Accountability Act of 2024

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 parity in deposit insurance coverage levels between credit unions and banks 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 proposed rule on NSF fees 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 NDAA 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) Support balanced regulatory framework in AI Act of 2024 (H.R. 10262) Oppose requirement for filing a single joint report in AI Act of 2024 (H.R. 10262) Support Central Liquidity Facility Enhancement Act (H.R. 10510) Support field of membership expansion in Expanding Financial Access for Underserved Communities Act (H.R. 10511) Oppose NDAA amendments on interchange and military banking Support passage of a clean NDAA Oppose CFPB credit card penalty fees final rule Oppose CFPB Section 1071 final rule Oppose CFPB Section 1033 final 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 consistency between NCUA and FinCEN requirements on Bank Secrecy Act compliance 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 Oppose addition of fourth same-day ACH window Support expanded flexibility for accessing the Fed discount window and intraday credit Oppose CFPB rulemaking activity before transition in administrations Oppose additional Call Report fields on loans to credit union officials and senior executive staff Oppose making changes to Call Report requirements without using notice-and-comment process Support enhanced clarity in proposed amendments to remittance rule Oppose CFPB efforts to manipulate consumer complaint data Oppose proposed incentive-based compensation rule Support recognition of unique credit union structure in Financial Data Transparency Act joint data standards

Client expense: $1,440,000 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), Defense, Dept of (DOD), Federal Communications Commission (FCC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Financial Crimes Enforcement Network (FinCEN), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Natl Credit Union Administration (NCUA), Office of Management & Budget (OMB), SENATE, Small Business Administration (SBA), Treasury, Dept of

Senate FY 2025 Department of Homeland Security Appropriations Act H. Con. Res. 24, Calling an Article V Convention for proposing a Fiscal Responsibility Amendment to the United States Constitution and stipulating ratification by a vote of We the People, and for other purposes H. Con. Res. 117, Establishing the congressional budget for the United States Government for fiscal year 2025 and setting forth the appropriate budgetary levels for fiscal years 2026 through 2034. H.J. Res. 2, Proposing an amendment to the Constitution of the United States relative to balancing the budget S.J. Res. 13, A joint resolution proposing an amendment to the Constitution of the United States relative to balancing the budget H.J. Res. 6, Proposing an amendment to the Constitution of the United States to provide for balanced budgets for the Government H.J. Res. 9, Proposing an amendment to the Constitution of the United States prohibiting the United States Government from increasing its debt except for a specific purpose by law adopted by three-fourths of the membership of each House of Congress H.J. Res. 12, Proposing a balanced budget amendment to the Constitution of the United States H.J. Res. 15, Proposing a balanced budget amendment to the Constitution of the United States H.J. Res. 19, Proposing a balanced budget amendment to the Constitution requiring that each agency and department's funding is justified H.J. Res. 21, Proposing a balanced budget amendment to the Constitution of the United States H.J. Res. 36, Proposing a balanced budget amendment to the Constitution of the United States H.J. Res. 47, Proposing an amendment to the Constitution of the United States to repeal the sixteenth article of amendment H.J. Res. 55, Proposing a balanced budget amendment to the Constitution of the United States H.J. Res. 58, Proposing an amendment to the Constitution of the United States to repeal the sixteenth article of amendment H.J. Res. 67, Proposing an amendment to the Constitution of the United States requiring that the Federal budget be balanced H.J. Res. 75, Proposing an amendment to the Constitution of the United States requiring that the Federal budget be balanced H.J. Res. 80, Proposing a balanced budget amendment to the Constitution of the United States. H.J. Res. 90, Proposing a balanced budget amendment to the Constitution of the United States. H.J. Res. 104, Proposing a Federal debt limit amendment to the Constitution of the United States. H.J. Res. 113, Proposing a balanced budget amendment to the Constitution of the United States. H.Res. 13, Stay on Schedule (S.O.S.) Resolution H.Res. 18, Less is More Resolution H.Res. 29, Finding Federal Savings Committee Resolution H.Res. 973, Expressing the sense of the House of Representatives that Congress should fully fund border security personnel, immigration judges, and related personnel and border technology needs at the southern border. H.Res. 1027, Providing for consideration of the bill (H.R. 626) to advance commonsense policy priorities. H.R. 23, Family and Small Business Taxpayer Protection Act H.R. 25, Fair Tax Act of 2023 H.R. 142, End Dark Money Act H.R. 161, Prioritizing Troops Over Tax Collectors Act of 2023 H.R. 187, Default Prevention Act H.R. 252, Inflation Prevention Act of 2023 H.R. 260, Nickel Plan Act H.R. 261, Article I Regulatory Budget Act H.R. 311, Cost Estimates Improvement Act H.R. 415, End the Threat of Default Act S. 1190, End the Threat of Default Act H.R. 564, Saving Taxpayers' Money and Paying America's Debt Act H.R. 710, Sustainable Budget Act of 2022 S. 743, Sustainable Budget Act of 2023 H.R. 812, Inflation Reduction Act of 2023 H.R. 888, IRS Funding Accountability Act S. 338, IRS Funding Accountability Act H.R. 1134, People Over Pentagon Act of 2023 H.R. 1223, DIRECT Act H.R. 1289, Dollar-for-Dollar Deficit Reduction Act S. 714, Dollar-for-Dollar Deficit Reduction Act H.R. 1382, TABS Act of 2023 H.R. 1418, Animal Drug User Fee Amendments of 2023 H.R. 1518, Unauthorized Spending Accountability Act of 2023 H.R. 3673, Biden Time Act of 2023 H.R. 3953, Debt Ceiling Reform Act S. 1882, Debt Ceiling Reform Act H.R. 4230, The Fund Our Border Not the IRS Act of 2023 H.R. 4435, Unauthorized Spending Accountability Act H.R. 4651, To require the Secretary of the Treasury to issue a report containing information on extraordinary measures available when the debt of the United States Government approaches the statutory limit, and for other purposes. H.R. 4740, Streamline Pentagon Budgeting Act of 2023 H.R. 4810, to rescind certain balances made available to the Internal Revenue Service and appropriate such amounts to the Department of State Passport Office. H.R. 5068, Serve the People, Not the Swamp Act H.R. 5243, Less Talk More Action Water Modernization Act of 2023 H.R. 5353, End Shutdowns Act S. 2729, End Shutdowns Act H.R. 5525, Continuing Appropriations and Border Security Enhancement Act, 2024 H.R. 5543, Government Shutdown Prevention Act of 2023 S. 299, Government Shutdown Prevention Act of 2023 H.R. 5672, Bipartisan Keep America Open Act H.R. 5692, Ukraine Security Assistance and Oversight Supplemental Appropriations Act, 2024 H.R. 5694, Pay Our Border Patrol and Customs Agents Act H.R. 5696, Prevent Government Shutdowns Act of 2023 S. 135, Prevent Government Shutdowns Act of 2023 H.R. 5779, Fiscal Commission Act of 2023 H.R. 5841, Homeland Heroes Pay Act H.R. 5993, Federal Reserve Loss Transparency Act S. 3095, Federal Reserve Loss Transparency Act H.R. 6126, Israel Security Supplemental Appropriations Act, 2024 H.R. 6889, To amend section 1105(a) of title 31, United States Code, to require that annual budget submissions of the President to Congress provide an estimate of the cost per taxpayer of the deficit and of the public debt. H.R. 6927, Debt Commission Act of 2024 H.R. 6953, Comprehensive Congressional Budget Act of 2024 H.R. 6995, Funding A Secure America Act H.R. 7235, A Fast-Tracked Executive Rescission Review (AFTER) of Appropriations Act of 2024 H.R. 7372, Defending Borders, Defending Democracies Act H.R. 7656, Balanced Budget and Accounting Act H.R. 7715, VAPE Imports Act H.R. 7749, Ultra-Millionaire Tax Act S. 4017, Ultra-Millionaire Tax Act H.R. 7867, REG Budgeting Act H.R. 8752, Department of Homeland Security Appropriations Act, 2025. H.R. 8773, Financial Services and General Government Appropriations Act, 2025 S. 4928, Financial Services and General Government Appropriations Act, 2025 H.R. 8774, Department of Defense Appropriations Act, 2025 S. 4921, Department of Defense Appropriations Act, 2025 H.R. 8840, Do Our Job Act H.R. 8908, Consumer Financial Protection Bureau Withdrawal Cap Adjustment Act of 2024 H.R. 8997, Energy and Water Development and Related Agencies Appropriations Act, 2025 S. 4927, Energy and Water Development and Related Agencies Appropriations Act, 2025 H.R. 8998, Department of the Interior, Environment, and Related Agencies Appropriations Act, 2025 S. 4802, Department of the Interior, Environment, and Related Agencies Appropriations Act, 2025 H.R. 9026, Commerce, Justice, Science, and Related Agencies Appropriations Act, 2025 S. 4795, Commerce, Justice, Science, and Related Agencies Appropriations Act, 2025 H.R. 9027, Agriculture, Rural Development, Food and Drug Administration, and Related Agencies Appropriations Act, 2025 S. 4690, Agriculture, Rural Development, Food and Drug Administration, and Related Agencies Appropriations Act, 2025 H.R. 9029, Departments of Labor, Health and Human Services, and Education, and Related Agencies Appropriations Act, 2025 S. 4942, Departments of Labor, Health and Human Services, and Education, and Related Agencies Appropriations Act, 2025 H.R. 9353, Proposing a balanced budget amendment to the Constitution of the United States. H.R. 9494, Continuing Appropriations and Extensions Act, 2025. H.R. 9519, Stop Bankrupting Our Country Act H.R. 9561, Pay Our Border Patrol and Custom Agents Act of 2025 H.R. 9697, Presidential Election Resource Investment for Major Threat Response Act of 2024 H.R. 9699, Pay Our Troops Act H.R. 9714, CBO Oversight Act H.R. 9735, Responsible Budgeting Act H.R. 9747, Continuing Appropriations and Extensions Act, 2025. H.R. 9791, Pay Our Military Act H.R. 9792, Feed Our Families Act of 2024 H.R. 9877, To impose limitations on the amount of unobligated balances of the Bureau of Consumer Financial Protection, and for other purposes. S. Con. Res. 41, A concurrent resolution setting forth the congressional budget for the United States Government for fiscal year 2025 and setting forth the appropriate budgetary levels for fiscal years 2026 through 2034. S.J. Res. 19, A joint resolution proposing a balanced budget amendment to the Constitution of the United States S.Res. 600, A resolution recognizing the national debt as a threat to national security. S. 212, Protect Our CREDIT Act of 2023 S. 213, Keep Our Promises Act S. 232, A bill to provide limits on the reduction of Internal Revenue Service user fees S. 327, A bill to make 5 percent across-the-board rescissions in non-defense, non-homeland-security, and non-veterans-affairs discretionary spending for each of fiscal years 2024 and 2025 S. 330, A bill to make 2 percent across-the-board rescissions in non-defense, non-homeland-security, and non-veterans-affairs discretionary spending for each of fiscal years 2024 and 2025 S. 331, A bill to make 1 percent across-the-board rescissions in non-defense, non-homeland-security, and non-veterans-affairs discretionary spending for each of fiscal years 2024 and 2025 S. 575, Fight Inflation through Balanced Budget Act S. 714, Dollar-for-Dollar Deficit Reduction Act S. 743, Sustainable Budget Act of 2023 S. 1052, Administrative Pay-As-You-Go Act of 2023 S. 1312, Securing our Border Act S. 2041, End Government Shutdowns Act S. 2168, No Default Act S. 2999, Keep Our Border Agents Paid Act S. 3262, Fiscal Stability Act of 2023 S. 4268, A bill proposing a balanced budget amendment to the Constitution of the United States. S. 4376, A bill to increase Government accountability for administrative actions by reinvigorating administrative Pay-As-You-Go. S. 4521, Consumer Financial Protection Bureau (CFPB) Accountability Act S. 5225, A bill to require the Secretary of the Treasury, in coordination with the Director of the Office of Management and Budget, to examine the ability of the Federal Government to respond to potential fiscal shocks, and for other purposes.

Client expense: $290,000 · Firm income: Not reported

Government targets: Commodity Futures Trading Commission (CFTC), Consumer Financial Protection Bureau (CFPB), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Internal Revenue Service (IRS), Office of Management & Budget (OMB), Office of Personnel Management (OPM), Patent & Trademark Office (PTO), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of, U.S. Customs & Border Protection

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

Client expense: $1,090,000 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), Defense, Dept of (DOD), Federal Communications Commission (FCC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Financial Crimes Enforcement Network (FinCEN), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Natl Credit Union Administration (NCUA), Office of Management & Budget (OMB), SENATE, Small Business Administration (SBA), Treasury, Dept of