Protect Your Points Act of 2024

Issues pertaining to the implementation of PL 118-83 Continuing Appropriations and Extensions Act, all provisions related to credit card interchange. Issues pertaining to the implementation of PL 118-47 Further Continuing Appropriations Act, Division B - Financial Services and General Government Appropriations for 2025; all provisions related to credit card interchange. HR 8773 Financial Services and General Government Appropriations for 2025, all provisions related to credit card interchange. S 5272 Protect Your Points Act, all provisions. HR 8467 Food, Farm and National Security Act of 2024, all provisions related to credit card interchange, SNAP and EBT. HR 3881 / S 1838 Credit Card Competition Act, all provisions. HR 8070 National Defense Authorization Act for FY 2025, all provisions related to electronic payments. Issues pertaining to the implementation of PL 118-63 Federal Aviation Administration Authorization Act of 2024, all provisions related to credit card interchange. Issues pertaining to MDL-1720 multi-district antitrust litigation. HR 4763 Financial Innovation and Technology for the 21st Century, all provisions related to credit card interchange. S 2190 RECOUP Act of 2023, all provisions related to credit card interchange. S 2860 SAFER Banking Act, all provisions related to credit card interchange. HR 3021 Protecting the Second Amendment in Financial Services Act, all provisions. Issues pertaining to the American Innovation and Choice Online Act (no bill number), all provisions relating to interchange and increased requirements placed on payments processors. Issues pertaining to Federal Reserve Regulation II, all provisions related to modifying debit and interchange fees and routing requirements. Issues pertaining to Buy Now Pay Later Programs. Issues pertaining to the Payment Card Industrys standards-setting. Issues pertaining to possible legislation relating to electronic payment of federal taxes. Issues pertaining to possible legislation relating to data security. Issues pertaining to the implementation of PL 111-24 Credit Card Accountability Responsibility and Disclosure Act of 2009, all provisions relating to interchange. Issues pertaining to the implementation of PL 111-203 Dodd-Frank Wall Street Reform and Consumer Protection Act, all provisions relating to the provisions in Title X-Bureau of Consumer Financial Protection relating to interchange. Issues pertaining to antitrust legislation relating to interchange. Issues pertaining to payment card interchange fee and merchant discount anti-trust litigation. Issues pertaining to Real Time Payments.

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

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

Issues pertaining to the implementation of PL 118-83 Continuing Appropriations and Extensions Act, all provisions related to credit card interchange. Issues pertaining to the implementation of PL 118-47 Further Continuing Appropriations Act, Division B - Financial Services and General Government Appropriations for 2025; all provisions related to credit card interchange. HR 8773 Financial Services and General Government Appropriations for 2025, all provisions related to credit card interchange. S 5272 Protect Your Points Act, all provisions. HR 8467 Farm, Food and National Security Act of 2024, all provisions related to credit card interchange, SNAP and EBT. HR 3881 / S 1838 Credit Card Competition Act, all provisions. HR 8078 National Defense Authorization Act for FY 2025, all provisions related to electronic payments. HR 3021 Protecting the Second Amendment in Financial Services Act, all provisions. Issues pertaining to interest rate caps, credit reporting, credit card interchange rates, routing and exclusivity, Honor All Cards, and regulation of electronic platforms. Issues pertaining to the implementation of PL 111-24 Credit Card Accountability Responsibility and Disclosure Act of 2009, all provisions.

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

Government targets: Consumer Financial Protection Bureau (CFPB), HOUSE OF REPRESENTATIVES, SENATE

Issues affecting prudential bank regulatory matters, including expected changes to capital and liquidity requirements Issues related to prudential bank regulations including, the Basel III Endgame proposal and the Long-Term Debt proposal Issues related to implementation of merchant category codes Issues generally related to merchant pricing, network routing requirements and contract regulation, including the proposed Credit Card Competition Act Issues, including oversight and regulations, related to the Consumer Financial Protection Bureau (CFPB), including penalty fees, rewards, open banking, the fair credit reporting act, digital payments apps, fine print in contracts, etc. Issues related to modernization of the Bank Secrecy Act / Anti-Money Laundering (BSA/AML) Regime Issues related to credit reporting and data brokers Issues related to fraud and fraud-related databases Issues related to potential changes to tailoring regulations that were included in the implementation of S. 2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act Issues related to capital regulation Issues related to payment networks operating in China S. 5272, the Protect Your Points Act, provisions related to rewards programs

Client expense: $430,000 · Firm income: Not reported

H.R. 346 / S. 66 NOTAM Improvement Act of 2023 S. 209 / H.R. 659 FAIR Fees Act of 2023 H.R. 911 To direct the Administrator of the Federal Aviation Administration to issue an order requiring installation of a secondary cockpit barrier on certain aircraft, and for other purposes H.R. 185 bTo terminate the requirement imposed by the Director of the Centers for Disease Control and Prevention for proof of COVID-19 vaccination for foreign travelers, and for other purposes. S. 178Airline Passengers Bill of Rights S. 400 / H.R. 1445 A bill to require the Secretary of Transportation to annually report on aviation consumer complaints related to passengers with a disability. S. 525 A bill to amend title 49, United States Code, to ensure that a child can sit next to a family member on a flight at no additional cost. H.R. 695 State and Local General Sales Tax Protection Act S. 368A bill to amend the FAA Reauthorization Act of 2018 to extend the existing aviation workforce development programs and provide grants to develop aviation manufacturing and supplier workforce, and for other purposes. S. 545 / H.R. 1267 Air Carrier Access Amendments Act of 2023 S. 561 / H.R. 1233 Cash Refunds for Flight Cancellations Act of 2023 S. 582 / H.R. 1279 A bill to make daylight saving time permanent, and for other purposes S. 615 / H.R. 1293 A bill to improve the safety of the air supply on aircraft, and for other purposes S. 748 / H.R. 3128 A bill to require the Administrator of the Federal Aviation Administration to establish a pilot program to provide veterans with pilot training services. S. 753 / H.R. 1499 A bill to require small, medium, and large hub airports to certify that airport service workers are paid the prevailing wage and provided fringe benefits, and for other purposes. H.R. 1716 To amend title 49, United States Code, to require certain air carriers to provide reports with respect to maintenance, preventive maintenance, or alterations, and for other purposes. S. 1772To amend title 49, United States Code, to prevent discrimination against airline passengers with disabilities who use lithium-ion-powered wheelchairs and mobility aids that are safe for air travel, and for other purposes. S. 911A bill to require the installation of secondary cockpit barriers on existing aircraft, and for other purposes. S. 916A bill to limit and eliminate excessive, hidden, and unnecessary fees imposed on consumers, and for other purposes. S. 1818 / S. 1561 A bill to amend the Internal Revenue Code of 1986 to allow qualified distributions from qualified tuition programs for certain aviation maintenance and commercial pilot courses. H.R. 1Lower Energy Costs Act (permitting) S. 1154 / H.R. 2705 A bill to establish the Women in Aviation Advisory Committee. H.R. 2463 Junk Fee Prevention Act H.R. 2670 / S. 2226 National Defense Authorization Act for Fiscal Year 2024 H.R. 2747 To support the sustainable aviation fuel market, and for other purposes. H.R. 2874 / S. 1292 Flight Education Access Act H.R. 2879 National Center for the Advancement of Aviation Act of 2023 S. 1256 Global Aircraft Maintenance Safety Improvement Act H.R. 3082 / S. 1459 MOBILE Act S. 1550Lower Fees, Better Airports Act of 2023 S. 1551Improved Transportation Consumer Protection Act of 2023 S. 1683 / H.R. 3551 A bill to require the Administrator of the Federal Aviation Administration to conduct a comprehensive study on child safety in aviation. S. 1765 / H.R. 3762 A bill to require the Federal Aviation Administration to establish evacuation standards for transport category airplanes. H.R. 3394 Fund the TSA Act H.R. 3408 To establish an apprenticeship program for commercial drivers under the age of 21, and for other purposes. H.R. 3559 FAA Research and Development Act of 2023 H.R. 3560 National Drone and Advanced Air Mobility Research and Development Act H.R. 3576 To expand access to breastfeeding accommodations in the workplace for certain employees of air carrier employers. H.R. 3616 To direct the Administrator of the Federal Aviation Administration to include medications and medical equipment for the emergency treatment of known or suspected opioid overdose in aircraft emergency medical kits, and for other purposes. H.R. 3647 To amend the FAA Reauthorization Act of 2018 to reauthorize aviation workforce development programs, and for other purposes. H.R. 3679 To direct the Administrator of the Federal Aviation administration to develop an interagency task force to develop and implement a strategy to identify and advance research on communicable diseases in air travel, and for other purposes. H.R. 3743 To amend the FAA Reauthorization Act of 2018 to extend the advisory committee on the air travel needs of passengers with disabilities. H.R. 3772 To amend the FAA Reauthorization Act of 2018 to extend the aviation workforce development program and provide grants to develop aviation manufacturing and supplier workforce, and for other purposes. H.R. 3780 To modify the termination of the aviation consumer protection advisory committee, and for other purposes. H.R. 3796 To provide for the extension of taxes funding the Airport and Airway Trust Fund and to require the designation of certain airports as ports of entry. S. 1631Safeguarding the Homeland from the Threats Posed by Unmanned Aircraft Systems Act of 2023 H.R. 3897 / S. 1866 To amend title 49, United States Code, to establish minimum dimensions for seats on passenger aircraft, and for other purposes. H.R. 3909 To amend title 49, United States Code, to restrict an air carrier from operating certain aircraft in all-cargo air transportation without meeting certain requirements for intrusion resistance, and for other purposes. H.R. 3935 / S. 1939 Securing Growth with Robust Leadership in American Aviation Act (FAA Reauthorization of 2023) H.R. 3938 Build It in America Act H.R. 4014 To require the Secretary of Transportation to modify the final rule relating to flightcrew member duty and rest requirements for passenger operations of air carriers to apply to all-cargo operations of air carriers, and for other purposes. H.R. 4037 To amend title 49, United States Code, with respect to submissions of certain Employee Assault Prevention and Response Plans, and for other purposes. H.R. 4049 To provide seating accommodations for qualified individuals with disabilities, and for other purposes. H.R. 4161 To direct the Secretary of Transportation to establish an apprenticeship program for students at flight schools, and for other purposes. H.R. 4193 To require the Secretary of Transportation to establish a policy with respect to family seating on air transportation, and for other purposes. S. 1911A bill to amend title 49, United States Code, to improve the accessibility of airline information and entertainment programming provided by air carriers on passenger flights, and for other purposes. S. 1914A bill to amend the air traffic controller staffing report, and for other purposes. S. 1935 A bill to direct the Secretary of Transportation to establish a program to provide grants to improve the preparation and representation of certain students in aviation-related fields. S. 1958A bill to identify the standards required to meet the definition of sustainable aviation fuel at the Federal Aviation Administration. S. 1962A bill to provide increased funding and opportunities to achieve national, long-term production goals for sustainable aviation fuel, and for other purposes. S. 576Railway Safety Act of 2023 (Hazmat) S. 1838 / H.R. 3881 A bill to amend the Electronic Fund Transfer Act to require the Board of Governors of the Federal Reserve system to prescribe regulations relating to network competition in credit card transactions, and for other purposes. H.R. 3634 To direct the Administrator of the Federal Aviation Administration to issue regulations to improve flight recorder and aircraft crash location requirements on certain commercial passenger aircraft by requiring the installation of a second combination digital flight data and cockpit voice recorder system that enables data recovery without an underwater search and recovery. S. 1722A bill to expand access to breastfeeding accommodations in the workplace for certain employees of air carrier employers. H.R. 4362 To require the Administrator of the Transportation Security Administration and the Administrator of the Federal Aviation Administration to jointly issue regulations relating to air carrier transport of human organs, and for other purposes H.R. 4367 / S. 2625 Department of Homeland Security Appropriations Act, 2024 H.R. 4446 To require air carriers and foreign air carriers to provide on a publicly available website of the carrier information on requirements for on-board wheelchairs, and for other purposes. H.R. 4762 A bill to amend title 49, United States Code, to extend the non-premium war risk insurance program. H.R. 4820 / S. 2437 Making appropriations for the Departments of Transportation, and Housing and Urban Development, and related agencies for the fiscal year ending September 30, 2024. H.R. 4762 To amend title 49, United States Code, to extend the non-premium war risk insurance program. H.R. 5235 A bill to expressly include sustainable aviation fuels in the Farm Bill. H.R. 5860 Continuing Resolution H.R. 6271 To amend certain agricultural laws with respect to the definition of biofuels and sustainable aviation fuel, and for other purposes. H.R. 6363 Further Continuing Appropriations and Other Extensions Act, 2024 S.3055 Adopt GREET Act H.R. 6503 To amend title 49, United States Code, to extend authorizations for the airport improvement program, to amend the Internal Revenue Code of 1986 to extend the funding and expenditure authority of the Airport and Airway Trust Fund, and for other purposes. H.R. 6494 Promoting Innovation in Pipeline Efficiency and Safety (PIPES) Act of 2023 S. 3637A bill to amend the Farm Security and Rural Investment Act of 2002 with respect to the definition of biofuels and sustainable aviation fuel, and for other purposes. H.R. 6951 College Cost Reduction Act H.R. 7454 Airport and Airway Extension Act of 2024 H.R. 7040 / S. 3637 A bill to permanently authorize the Undetectable Firearms Act of 1988 H.R. 7463 Extension of Continuing Appropriations and Other Matters Act, 2024 H.R.4366 Consolidated Appropriations Act 2024 H.R. 4552 Federal Information Security Modernization Act of 2023 (FISMA) Cybersecurity Reporting Harmonization H.R. 2882 Further Consolidated Appropriations Act of 2024 H.R. 7024 Tax Relief for American Families and Workers Act of 2024 S.3361Traveler Privacy Protection Act of 2023 H.R.8289 To extend authorizations for the airport improvement program, to extend the funding and expenditure authority of the Airport and Airway Trust Fund, and for other purposes. H.R. 8467 Farm, Food, and National Security Act of 2024 (Sustainable Aviation Fuel) H.R. 8594 To amend title 49, United States Code, to establish an Aviation Security Checkpoint Technology Fund in the Department of Homeland Security to fund investments in aviation security checkpoint technology, and for other purposes. H.R. 8610 To reauthorize and reform counter-unmanned aircraft system authorities, to improve transparency, security, safety, and accountability related to such authorities, and for other purposes. H.R. 8752 Department of Homeland Security Appropriations Act, 2025 H.R. 8774 Department of Defense Appropriations Act, 2025 H.R. 9028 / S. 4796 Transportation, Housing and Urban Development, and Related Agencies Appropriations Act, 2025 H.R. 9135 To direct the Secretary of Transportation to require certain air carriers to develop and regularly update an operational resiliency strategy, and for other purposes. S. 4630Streamlining Federal Cybersecurity Regulations Act S. 4906A bill to amend title 49, United States Code, to ensure that revenues collected from passengers as aviation security fees are used to help finance the costs of aviation security screening by repealing a requirement that a portion of such fees be credited as offsetting receipts and deposited in the general fund of the Treasury. H.R. 8774 / S.4921 Department of Defense Appropriations Act, 2025 (Special Use Airspace) H.R. 8997 / S. 4927 Energy and Water Appropriations Act, 2025 (Sustainable Aviation Fuel) H.R. 9327 A bill to make publicly available information on sustainable aviation fuel production and imports, and for other purposes. H.R. 9687 To require the Administrator of the Federal Aviation Administration to revise regulations for certain individuals carrying out aviation activities who disclose a mental health diagnosis, and for other purposes. H.R. 7323 Montgomery GI Bill Selected Reserves Tuition Fairness Act of 2024 S.5272 A bill to amend chapter 423 of title 49, United States Code, to provide protections with respect to frequent flyer programs and co-branded credit cards, and for other purposes. S.5285 A bill to stop the shipment of illicit synthetic drugs via transportation networks in the United States, and for other purposes. S.5145 A bill to amend the Internal Revenue Code of 1986 to prohibit the use of foreign feedstocks for purposes of the clean fuel production credit, and for other purposes. H.R. 10033 To amend the Internal Revenue Code of 1986 to extend the clean fuel production credit. H.R. 10545 American Relief Act, 2025 (CR) S. 5028Federal Contractor Cybersecurity Vulnerability Reduction Act In addition to contacts associated with the legislation described above: 5G Radio Altimeter Interference FAA Authorization Daylight Saving Time (DST) FAA NextGen/Air Traffic Control Modernization Advanced Air Mobility (AAM)/Unmanned Aircraft Systems (UAS) Commercial Space FAA Part 117 Cargo Operations FAA Regulatory Authority FAA Appropriations FARM Bill Counter-Unmanned Aerial Systems Authority Advanced Air Mobility TSA Employee Pay Equity Pilots Medical Health and Certification Privacy Legislation Anti-Competitive Chinese Flight Limits APHIS AQI Fee Increase Air Traffic Controller Staffing Airport Surface Safety PFAS FAA Facility Replacement and Radar Modernization DOJ/DOT Competition RFI Government Shutdown Aviation Impacts Artificial Intelligence (directly impacting airline operations)

Issues related to interchange and routing mandates for credit cards (S. 1838 and H.R. 3881, H.R.6487, S.3805, S.5272) Issues related to digital payments and payments innovation Issues related to financial inclusion and small business development Issues related to Artificial Intelligence and payment security Issues related to Open Banking (DFA 1033 Rulemaking, Pub. L. 111-203, Dodd Frank Act) Issues related to Digital Assets (HR 6572, HR 4763) Issues related to cybersecurity in payments, national security in payments (H.R. 8464, the Tokenization Report Act of 2024) Issues related to digital trade and market access Issues related to data privacy (HR 8152) Issues related to acceptance of electronic payments (S.4066, MCCs) Issues related to tax (TCJA)

Client expense: $830,000 · Firm income: Not reported

The Protect Your Points Act (S. 5272) regarding the potential impacts on travel through devaluing airline rewards programs. The Department of Transportations request for information related airline rewards and loyalty programs.

Client expense: $960,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Transportation, Dept of (DOT)

Legislation affecting the airline industry, including: H.R. 3634, the Safe Aviation and Flight Enhancement Act of 2023; H.R. 3881/S. 1838, the Credit Card Competition Act of 2023; H.R. 3935/P.L. 118-63, the Securing Growth and Robust Leadership in American Aviation Act; H.R. 6271/S. 3637, the Farm to Fly Act; S. 561/H.R. 1233, the Cash Refunds for Flight Cancellations Act of 2023; S. 1962, A bill to provide increased funding and opportunities to achieve national, long-term production goals for sustainable aviation fuel, and for other purposes; S. 3361, the Traveler Privacy Protection Act of 2023; H.R. 8752, the Department of Homeland Security Appropriations Act, 2025, provisions relating to Transportation Security Administration and Customs and Border Protection funding, fees, and personnel; H.R. 8467, the Farm, Food, and National Security Act of 2024, provisions relating to sustainable aviation fuel; and H.R. 8786, a bill to allow certain foreign air carriers to stop in Guam or the Northern Mariana Islands in the course of transportation of passengers or cargo in either direction between a place in the United States and a place outside the United States, and for other purposes. Final Rule, Enhancing Transparency of Airline Ancillary Service Fees in DOT-OST-2022-0109; H.R. 8594, To amend title 49, United States Code, to establish an Aviation Security Checkpoint Technology Fund in the Department of Homeland Security to fund investments in aviation security checkpoint technology, and for other purposes; H.R. 9028/S. 4796, Transportation, Housing and Urban Development, and Related Agencies Appropriations Act, 2025, provisions relating to funding for FAA staffing and facilities; H.R. 9135, To direct the Secretary of Transportation to require certain air carriers to develop and regularly update an operational resilience strategy, and for other purposes; S. 4906, A bill to amend title 49, United States Code, to ensure that revenue collected from passengers as aviation security fees are used to help finance the costs of aviation security screening by repealing a requirement that a portion of such fees be credited as offsetting receipts and deposited in the general fund of the Treasury; S. 5272, a bill to amend chapter 423 of title 49, United States Code, to provide protections with reaped to frequent flyer programs and co-branded credit cards, and for other purposes; and S. 5145, A bill to amend the Internal Revenue Code of 1986 to prohibit the use of foreign feedstocks for purpose of the clean fuel production credit, and for other purposes. Final Rule, Airline Ticket Refunds and Consumer Protections in DOT-OST-2022-0089; Joint Application of Alaska Airlines, Inc. and Hawaiian Airlines, Inc. for Approval of the Transfer of International Route Authorities in DOT-OST-2024-0085 Joint Application of Alaska Airlines, Inc. and Hawaiian Airlines, Inc. for an Exemption in OST-DOT-2024-0084 In the matter of 2019 Haneda Combination Services Allocation Proceeding in DOT-OST-2019-0014; and Executive Order 14036 on Promoting Competition in the American Economy, July 9, 2021. Federal policy regarding matters impacting the airline industry, including: FAA Air Traffic Control operations, modernization, staffing and equipage; Transportation Security Administration (TSA) (aviation security taxes and fees, fee diversion, passenger and baggage inspection issues, aircraft security, TSA wait times, facilities, equipment, biometrics, and staffing issues); Airport Security Issues; Cybersecurity issues; Customs and Border Protection issues (CBP facilities and staffing levels at airports, preclearance, user fee increases, revenue diversion, biometric entry/exit); Aircraft noise and emissions issues; Animal and Plant Health Inspection Service funding, passenger and cargo inspection issues, and inspection fees; International air service rights issues (Open Skies, U.S. Government Bilateral Negotiations); Ancillary fees (baggage, cancellation/change fees, premium seating); Customer service issues including travel waivers, travel credits, refund policies, accommodations and compensation for delays and cancellations, seat size, and family seating; Passenger Accessibility issues; Global Distribution Systems/Online Travel Agents; Air Carrier Cabotage Exemptions; Revenue Diversion; Information Technology issues; Labor issues, including workforce development; Domestic and international allocation of gates and slots; FAA Reauthorization; Data Privacy; Aircraft Certification Issues; Aviation taxes; Climate Policy; Sustainable Aviation Fuels (SAF); Airport Infrastructure; Tourism; Aircraft equipage issues; Airline operations issues; Federal regulatory authority issues; and Issues relating to the acquisition of Hawaiian Airlines by Alaska Airlines.

Issues related to interchange and routing mandates for credit cards (S. 1838 and H.R. 3881, H.R.6487, S.3805, S.5272) Issues related to digital payments and payments innovation Issues related to financial inclusion and small business development Issues related to Artificial Intelligence and payment security Issues related to Open Banking (DFA 1033 Rulemaking, Pub. L. 111-203, Dodd Frank Act) Issues related to Digital Assets (HR 6572, HR 4763) Issues related to cybersecurity in payments, national security in payments (H.R. 8464, the Tokenization Report Act of 2024) Issues related to digital trade and market access Issues related to data privacy (HR 8152) Issues related to acceptance of electronic payments (S.4066, MCCs) Issues related to tax (TCJA)

Client expense: $830,000 · Firm income: Not reported

Issues affecting prudential bank regulatory matters, including expected changes to capital and liquidity requirements Issues related to prudential bank regulations including, the Basel III Endgame proposal and the Long-Term Debt proposal Issues related to implementation of merchant category codes Issues generally related to merchant pricing, network routing requirements and contract regulation, including the proposed Credit Card Competition Act Issues, including oversight and regulations, related to the Consumer Financial Protection Bureau (CFPB), including penalty fees, rewards, open banking, the fair credit reporting act, digital payments apps, fine print in contracts, etc. Issues related to modernization of the Bank Secrecy Act / Anti-Money Laundering (BSA/AML) Regime Issues related to credit reporting and data brokers Issues related to fraud and fraud-related databases Issues related to potential changes to tailoring regulations that were included in the implementation of S. 2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act Issues related to capital regulation Issues related to payment networks operating in China S. 5272, the Protect Your Points Act, provisions related to rewards programs

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

Issues related to interchange and routing mandates for credit cards (S. 1838 and H.R. 3881, H.R.6487, S.3805, S.5272) Issues related to digital payments and payments innovation Issues related to financial inclusion and small business development Issues related to Artificial Intelligence and payment security Issues related to Open Banking (DFA 1033 Rulemaking, Pub. L. 111-203, Dodd Frank Act) Issues related to Digital Assets (HR 6572, HR 4763) Issues related to cybersecurity in payments, national security in payments (H.R. 8464, the Tokenization Report Act of 2024) Issues related to digital trade and market access Issues related to data privacy (HR 8152) Issues related to acceptance of electronic payments (S.4066, MCCs) Issues related to tax (TCJA)

Client expense: $830,000 · Firm income: Not reported

Issues related to interchange and routing mandates for credit cards (S. 1838 and H.R. 3881, H.R.6487, S.3805, S.5272) Issues related to digital payments and payments innovation Issues related to financial inclusion and small business development Issues related to Artificial Intelligence and payment security Issues related to Open Banking (DFA 1033 Rulemaking, Pub. L. 111-203, Dodd Frank Act) Issues related to Digital Assets (HR 6572, HR 4763) Issues related to cybersecurity in payments, national security in payments (H.R. 8464, the Tokenization Report Act of 2024) Issues related to digital trade and market access Issues related to data privacy (HR 8152) Issues related to acceptance of electronic payments (S.4066, MCCs) Issues related to tax (TCJA)

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

Issues pertaining to the implementation of PL 118-83 Continuing Appropriations and Extensions Act, all provisions related to credit card interchange. Issues pertaining to the implementation of PL 118-47 Further Continuing Appropriations Act, Division B - Financial Services and General Government Appropriations for 2025; all provisions related to credit card interchange. HR 8773 Financial Services and General Government Appropriations for 2025, all provisions related to credit card interchange. S 5272 Protect Your Points Act, all provisions. HR 8467 Food, Farm and National Security Act of 2024, all provisions related to credit card interchange, SNAP and EBT. HR 3881 / S 1838 Credit Card Competition Act,all provisions. HR 8070 National Defense Authorization Act for FY 2025, all provisions related to electronic payments. Issues pertaining to the implementation of PL 118-63 Federal Aviation Administration Authorization Act of 2024, all provisions related to credit card interchange. Issues pertaining to MDL-1720 multi-district antitrust litigation. HR 4763 Financial Innovation and Technology for the 21st Century, all provisions related to credit card interchange. S 2190 RECOUP Act of 2023, all provisions related to credit card interchange. S 2860 SAFER Banking Act, all provisions related to credit card interchange. HR 3021 Protecting the Second Amendment in Financial Services Act, all provisions. Issues pertaining to the American Innovation and Choice Online Act (no bill number), all provisions relating to interchange and increased requirements placed on payments processors. Issues pertaining to Federal Reserve Regulation II, all provisions related to modifying debit and interchange fees and routing requirements. Issues pertaining to Buy Now Pay Later Programs. Issues pertaining to the Payment Card Industrys standards-setting. Issues pertaining to possible legislation relating to electronic payment of federal taxes. Issues pertaining to possible legislation relating to data security. Issues pertaining to the implementation of PL 111-24 Credit Card Accountability Responsibility and Disclosure Act of 2009, all provisions relating to interchange. Issues pertaining to the implementation of PL 111-203 Dodd-Frank Wall Street Reform and Consumer Protection Act, all provisions relating to the provisions in Title X-Bureau of Consumer Financial Protection relating to interchange. Issues pertaining to antitrust legislation relating to interchange. Issues pertaining to payment card interchange fee and merchant discount anti-trust litigation. Issues pertaining to Real Time Payments.

Issues pertaining to the implementation of PL 118-83 Continuing Appropriations and Extensions Act, all provisions related to credit card interchange. Issues pertaining to the implementation of PL 118-47 Further Continuing Appropriations Act, Division B - Financial Services and General Government Appropriations for 2025; all provisions related to credit card interchange. HR 8773 Financial Services and General Government Appropriations for 2025, all provisions related to credit card interchange. S 5272 Protect Your Points Act, all provisions. HR 8467 Food, Farm and National Security Act of 2024, all provisions related to credit card interchange, SNAP and EBT. HR 3881 / S 1838 Credit Card Competition Act, all provisions. HR 8070 National Defense Authorization Act for FY 2025, all provisions related to electronic payments. Issues pertaining to the implementation of PL 118-63 Federal Aviation Administration Authorization Act of 2024, all provisions related to credit card interchange. Issues pertaining to MDL-1720 multi-district antitrust litigation. HR 4763 Financial Innovation and Technology for the 21st Century, all provisions related to credit card interchange. S 2190 RECOUP Act of 2023, all provisions related to credit card interchange. S 2860 SAFER Banking Act, all provisions related to credit card interchange. HR 3021 Protecting the Second Amendment in Financial Services Act, all provisions. Issues pertaining to the American Innovation and Choice Online Act (no bill number), all provisions relating to interchange and increased requirements placed on payments processors. Issues pertaining to Federal Reserve Regulation II, all provisions related to modifying debit and interchange fees and routing requirements. Issues pertaining to Buy Now Pay Later Programs. Issues pertaining to the Payment Card Industrys standards-setting. Issues pertaining to possible legislation relating to electronic payment of federal taxes. Issues pertaining to possible legislation relating to data security. Issues pertaining to the implementation of PL 111-24 Credit Card Accountability Responsibility and Disclosure Act of 2009, all provisions relating to interchange. Issues pertaining to the implementation of PL 111-203 Dodd-Frank Wall Street Reform and Consumer Protection Act, all provisions relating to the provisions in Title X-Bureau of Consumer Financial Protection relating to interchange. Issues pertaining to antitrust legislation relating to interchange. Issues pertaining to payment card interchange fee and merchant discount anti-trust litigation. Issues pertaining to Real Time Payments.

Issues pertaining to the implementation of PL 118-83 Continuing Appropriations and Extensions Act, all provisions related to credit card interchange. Issues pertaining to the implementation of PL 118-47 Further Continuing Appropriations Act, Division B - Financial Services and General Government Appropriations for 2025; all provisions related to credit card interchange. HR 8773 Financial Services and General Government Appropriations for 2025, all provisions related to credit card interchange. S 5272 Protect Your Points Act, all provisions. HR 8467 Farm, Food and National Security Act of 2024, all provisions related to credit card interchange, SNAP and EBT. HR 3881 / S 1838 Credit Card Competition Act, all provisions. HR 8078 National Defense Authorization Act for FY 2025, all provisions related to electronic payments. HR 3021 Protecting the Second Amendment in Financial Services Act, all provisions. Issues pertaining to interest rate caps, credit reporting, credit card interchange rates, routing and exclusivity, Honor All Cards, and regulation of electronic platforms. Issues pertaining to the implementation of PL 111-24 Credit Card Accountability Responsibility and Disclosure Act of 2009, all provisions.

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

Government targets: Consumer Financial Protection Bureau (CFPB), HOUSE OF REPRESENTATIVES, SENATE

H.R. 346 / S. 66 NOTAM Improvement Act of 2023 S. 209 / H.R. 659 FAIR Fees Act of 2023 H.R. 911 To direct the Administrator of the Federal Aviation Administration to issue an order requiring installation of a secondary cockpit barrier on certain aircraft, and for other purposes H.R. 185 To terminate the requirement imposed by the Director of the Centers for Disease Control and Prevention for proof of COVID-19 vaccination for foreign travelers, and for other purposes. S. 178 Airline Passengers Bill of Rights S. 400 / H.R. 1445 A bill to require the Secretary of Transportation to annually report on aviation consumer complaints related to passengers with a disability. S. 525 A bill to amend title 49, United States Code, to ensure that a child can sit next to a family member on a flight at no additional cost. H.R. 695 State and Local General Sales Tax Protection Act S. 368 A bill to amend the FAA Reauthorization Act of 2018 to extend the existing aviation workforce development programs and provide grants to develop aviation manufacturing and supplier workforce, and for other purposes. S. 545 / H.R. 1267 Air Carrier Access Amendments Act of 2023 S. 561 / H.R. 1233 Cash Refunds for Flight Cancellations Act of 2023 S. 582 / H.R. 1279 A bill to make daylight saving time permanent, and for other purposes S. 615 / H.R. 1293 A bill to improve the safety of the air supply on aircraft, and for other purposes S. 748 / H.R. 3128 A bill to require the Administrator of the Federal Aviation Administration to establish a pilot program to provide veterans with pilot training services. S. 753 / H.R. 1499 A bill to require small, medium, and large hub airports to certify that airport service workers are paid the prevailing wage and provided fringe benefits, and for other purposes. H.R. 1716 To amend title 49, United States Code, to require certain air carriers to provide reports with respect to maintenance, preventive maintenance, or alterations, and for other purposes. S. 1772 To amend title 49, United States Code, to prevent discrimination against airline passengers with disabilities who use lithium-ion-powered wheelchairs and mobility aids that are safe for air travel, and for other purposes. S. 911 A bill to require the installation of secondary cockpit barriers on existing aircraft, and for other purposes. S. 916 A bill to limit and eliminate excessive, hidden, and unnecessary fees imposed on consumers, and for other purposes. S. 1818 / S. 1561 A bill to amend the Internal Revenue Code of 1986 to allow qualified distributions from qualified tuition programs for certain aviation maintenance and commercial pilot courses. H.R. 1 Lower Energy Costs Act (permitting) S. 1154 / H.R. 2705 A bill to establish the Women in Aviation Advisory Committee. H.R. 2463 Junk Fee Prevention Act H.R. 2670 / S. 2226 National Defense Authorization Act for Fiscal Year 2024 H.R. 2747 To support the sustainable aviation fuel market, and for other purposes. H.R. 2874 / S. 1292 Flight Education Access Act H.R. 2879 National Center for the Advancement of Aviation Act of 2023 S. 1256 Global Aircraft Maintenance Safety Improvement Act H.R. 3082 / S. 1459 MOBILE Act S. 1550 Lower Fees, Better Airports Act of 2023 S. 1551 Improved Transportation Consumer Protection Act of 2023 S. 1683 / H.R. 3551 A bill to require the Administrator of the Federal Aviation Administration to conduct a comprehensive study on child safety in aviation. S. 1765 / H.R. 3762 A bill to require the Federal Aviation Administration to establish evacuation standards for transport category airplanes. H.R. 3394 Fund the TSA Act H.R. 3408 To establish an apprenticeship program for commercial drivers under the age of 21, and for other purposes. H.R. 3559 FAA Research and Development Act of 2023 H.R. 3560 National Drone and Advanced Air Mobility Research and Development Act H.R. 3576 To expand access to breastfeeding accommodations in the workplace for certain employees of air carrier employers. H.R. 3616 To direct the Administrator of the Federal Aviation Administration to include medications and medical equipment for the emergency treatment of known or suspected opioid overdose in aircraft emergency medical kits, and for other purposes. H.R. 3647 To amend the FAA Reauthorization Act of 2018 to reauthorize aviation workforce development programs, and for other purposes. H.R. 3679 To direct the Administrator of the Federal Aviation administration to develop an interagency task force to develop and implement a strategy to identify and advance research on communicable diseases in air travel, and for other purposes. H.R. 3743 To amend the FAA Reauthorization Act of 2018 to extend the advisory committee on the air travel needs of passengers with disabilities. H.R. 3772 To amend the FAA Reauthorization Act of 2018 to extend the aviation workforce development program and provide grants to develop aviation manufacturing and supplier workforce, and for other purposes. H.R. 3780 To modify the termination of the aviation consumer protection advisory committee, and for other purposes. H.R. 3796 To provide for the extension of taxes funding the Airport and Airway Trust Fund and to require the designation of certain airports as ports of entry. S. 1631 Safeguarding the Homeland from the Threats Posed by Unmanned Aircraft Systems Act of 2023 H.R. 3897 / S. 1866 To amend title 49, United States Code, to establish minimum dimensions for seats on passenger aircraft, and for other purposes. H.R. 3909 To amend title 49, United States Code, to restrict an air carrier from operating certain aircraft in all-cargo air transportation without meeting certain requirements for intrusion resistance, and for other purposes. H.R. 3935 / S. 1939 Securing Growth with Robust Leadership in American Aviation Act (FAA Reauthorization of 2023) H.R. 3938 Build It in America Act H.R. 4014 To require the Secretary of Transportation to modify the final rule relating to flightcrew member duty and rest requirements for passenger operations of air carriers to apply to all-cargo operations of air carriers, and for other purposes. H.R. 4037 To amend title 49, United States Code, with respect to submissions of certain Employee Assault Prevention and Response Plans, and for other purposes. H.R. 4049 To provide seating accommodations for qualified individuals with disabilities, and for other purposes. H.R. 4161 To direct the Secretary of Transportation to establish an apprenticeship program for students at flight schools, and for other purposes. H.R. 4193 To require the Secretary of Transportation to establish a policy with respect to family seating on air transportation, and for other purposes. S. 1911 A bill to amend title 49, United States Code, to improve the accessibility of airline information and entertainment programming provided by air carriers on passenger flights, and for other purposes. S. 1914 A bill to amend the air traffic controller staffing report, and for other purposes. S. 1935 A bill to direct the Secretary of Transportation to establish a program to provide grants to improve the preparation and representation of certain students in aviation-related fields. S. 1958 A bill to identify the standards required to meet the definition of sustainable aviation fuel at the Federal Aviation Administration. S. 1962 A bill to provide increased funding and opportunities to achieve national, long-term production goals for sustainable aviation fuel, and for other purposes. S. 576 Railway Safety Act of 2023 (Hazmat) S. 1838 / H.R. 3881 A bill to amend the Electronic Fund Transfer Act to require the Board of Governors of the Federal Reserve system to prescribe regulations relating to network competition in credit card transactions, and for other purposes. H.R. 3634 To direct the Administrator of the Federal Aviation Administration to issue regulations to improve flight recorder and aircraft crash location requirements on certain commercial passenger aircraft by requiring the installation of a second combination digital flight data and cockpit voice recorder system that enables data recovery without an underwater search and recovery. S. 1722 A bill to expand access to breastfeeding accommodations in the workplace for certain employees of air carrier employers. H.R. 4362 To require the Administrator of the Transportation Security Administration and the Administrator of the Federal Aviation Administration to jointly issue regulations relating to air carrier transport of human organs, and for other purposes H.R. 4367 / S. 2625 Department of Homeland Security Appropriations Act, 2024 H.R. 4446 To require air carriers and foreign air carriers to provide on a publicly available website of the carrier information on requirements for on-board wheelchairs, and for other purposes. H.R. 4762 A bill to amend title 49, United States Code, to extend the non-premium war risk insurance program. H.R. 4820 / S. 2437 Making appropriations for the Departments of Transportation, and Housing and Urban Development, and related agencies for the fiscal year ending September 30, 2024. H.R. 4762 To amend title 49, United States Code, to extend the non-premium war risk insurance program. H.R. 5235 A bill to expressly include sustainable aviation fuels in the Farm Bill. H.R. 5860 Continuing Resolution H.R. 6271 To amend certain agricultural laws with respect to the definition of biofuels and sustainable aviation fuel, and for other purposes. H.R. 6363 Further Continuing Appropriations and Other Extensions Act, 2024 S.3055 Adopt GREET Act H.R. 6503 To amend title 49, United States Code, to extend authorizations for the airport improvement program, to amend the Internal Revenue Code of 1986 to extend the funding and expenditure authority of the Airport and Airway Trust Fund, and for other purposes. H.R. 6494 Promoting Innovation in Pipeline Efficiency and Safety (PIPES) Act of 2023 S. 3637 A bill to amend the Farm Security and Rural Investment Act of 2002 with respect to the definition of biofuels and sustainable aviation fuel, and for other purposes. H.R. 6951 College Cost Reduction Act H.R. 7454 Airport and Airway Extension Act of 2024 H.R. 7040 / S. 3637 A bill to permanently authorize the Undetectable Firearms Act of 1988 H.R. 7463 Extension of Continuing Appropriations and Other Matters Act, 2024 H.R.4366 Consolidated Appropriations Act 2024 H.R. 4552 Federal Information Security Modernization Act of 2023 (FISMA) Cybersecurity Reporting Harmonization H.R. 2882 Further Consolidated Appropriations Act of 2024 H.R. 7024 Tax Relief for American Families and Workers Act of 2024 S.3361 Traveler Privacy Protection Act of 2023 H.R.8289 To extend authorizations for the airport improvement program, to extend the funding and expenditure authority of the Airport and Airway Trust Fund, and for other purposes. H.R. 8467 Farm, Food, and National Security Act of 2024 (Sustainable Aviation Fuel) H.R. 8594 To amend title 49, United States Code, to establish an Aviation Security Checkpoint Technology Fund in the Department of Homeland Security to fund investments in aviation security checkpoint technology, and for other purposes. H.R. 8610 To reauthorize and reform counter-unmanned aircraft system authorities, to improve transparency, security, safety, and accountability related to such authorities, and for other purposes. H.R. 8752 Department of Homeland Security Appropriations Act, 2025 H.R. 8774 Department of Defense Appropriations Act, 2025 H.R. 9028 / S. 4796 Transportation, Housing and Urban Development, and Related Agencies Appropriations Act, 2025 H.R. 9135 To direct the Secretary of Transportation to require certain air carriers to develop and regularly update an operational resiliency strategy, and for other purposes. S. 4630 Streamlining Federal Cybersecurity Regulations Act S. 4906 A bill to amend title 49, United States Code, to ensure that revenues collected from passengers as aviation security fees are used to help finance the costs of aviation security screening by repealing a requirement that a portion of such fees be credited as offsetting receipts and deposited in the general fund of the Treasury. H.R. 8774 / S.4921 Department of Defense Appropriations Act, 2025 (Special Use Airspace) H.R. 8997 / S. 4927 Energy and Water Appropriations Act, 2025 (Sustainable Aviation Fuel) H.R. 9327 A bill to make publicly available information on sustainable aviation fuel production and imports, and for other purposes. H.R. 9687 To require the Administrator of the Federal Aviation Administration to revise regulations for certain individuals carrying out aviation activities who disclose a mental health diagnosis, and for other purposes. H.R. 7323 Montgomery GI Bill Selected Reserves Tuition Fairness Act of 2024 S.5272 A bill to amend chapter 423 of title 49, United States Code, to provide protections with respect to frequent flyer programs and co-branded credit cards, and for other purposes. S.5285 A bill to stop the shipment of illicit synthetic drugs via transportation networks in the United States, and for other purposes. S.5145 A bill to amend the Internal Revenue Code of 1986 to prohibit the use of foreign feedstocks for purposes of the clean fuel production credit, and for other purposes. In addition to contacts associated with the legislation described above: 5G Radio Altimeter Interference FAA Authorization Daylight Saving Time (DST) FAA NextGen/Air Traffic Control Modernization Advanced Air Mobility (AAM)/Unmanned Aircraft Systems (UAS) Commercial Space FAA Part 117 Cargo Operations Air Traffic Control Staffing FAA Regulatory Authority FAA Appropriations FARM Bill Counter-Unmanned Aerial Systems Authority Advanced Air Mobility TSA Employee Pay Equity Pilots Medical Health and Certification Privacy Legislation Anti-Competitive Chinese Flight Limits APHIS AQI Fee Increase Air Traffic Controller Staffing Airport Surface Safety PFAS FAA Facility Replacement and Radar Modernization