Servicemembers’ Credit Monitoring Enhancement Act

Military separation and transition Veteran employment Veteran suicide prevention Veteran housing issues Veteran financial security H.R. 2148 and S. 879, the Veteran Caregiver Reeducation, Reemployment, and Retirement Act H.R. 3576, the Veterans Life Insurance Expansion and Integrity Act S.2074 & H.R. 5923, Service Members' Credit Monitoring Enhancement Act S.2454, Fair Debt Collection Practices for Service Members Act H.R.8800 & S.4784, National Defense Authorization Act for Fiscal Year 2027 H.R. 3863, the VA Mental Health Outreach and Engagement Act

Client expense: $690,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Veterans Affairs, Dept of (VA)

-Issues pertaining to credit reporting and monitoring, use of alternative data, credit repair companies, and FCRA liability, including HR 5775 (FCRA Liability Harmonization Act), HR 8141 (Fair Credit Reporting Reseller Accuracy Act), S. 2074 (Servicemembers' Credit Monitoring Enhancement Act), and HR 306 (Ending Scam Credit Repair Act, ESCRA). -Issues related to the CFPB complaint portal, including HR 75889 (Eliminating Fraud in CFPB's Complaint Database Act). -Issues pertaining to data privacy and a potential federal framework. -Issues related to the FHFA governance of credit scores and reports for GSE loans. -Public Law No: 119-36 - Homebuyers Privacy Protection Act and implementation of limits on the use of mortgage trigger leads for credit reporting agencies. -Issues regarding tri-merge credit reporting.

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

Government targets: Consumer Financial Protection Bureau (CFPB), Federal Housing Finance Agency (FHFA), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE

S. 619 - Credit Freeze for Kids Act: Provisions pertaining to credit freezing for children. H.R. 7757 - Kids Internet and Digital Safety (KIDS) Act: Provisions pertaining to additional protections for the online privacy of children and teens. S. 1465, H.R. 5402 - Credit Access and Inclusion Act: Provisions pertaining to consumer credit, alternative data and financial inclusion. H.R. 306 - Ending Scam Credit Repair Act (ESCRA Act): Provisions pertaining to credit repair companies. S. 2074 - Servicemembers' Credit Monitoring Enhancement Act: Issues pertaining to servicemembers' credit monitoring. H.R. 5775 - FCRA Liability Harmonization Act: Provisions pertaining to liability statutes in the Fair Credit Reporting Act. H.R. 10184 - Consumer Financial Protection Accountability and Reform Act: Provisions pertaining to structural reform of the Consumer Financial Protection Bureau. H.R. 7588 - Eliminating fraud in the CFPB's Complaint Database Act: Provisions pertaining to Consumer Financial Protection Bureau's complaint portal. H.R. 7270: Stop Identity Fraud and Identity Theft Act of 2026: Provisions pertaining to digital identity and identity fraud. H.R. 8413 - Securing and Establishing Consumer Uniform Rights and Enforcement (SECURE) Data Act; H.R. 8398 - Guidelines for Use, Access, and Responsible Disclosure of Financial Data (GUARD) Act: Provisions pertaining to consumer privacy and financial privacy. Issues related to the cost of credit reports and scores; inclusion of alternative credit scores for GSE mortgages. Issues related to the Consumer Financial Protection Bureau's complaint portal.

Client expense: $540,000 · Firm income: Not reported

-Issues pertaining to credit reporting and monitoring, use of alternative data, credit repair companies, and FCRA liability, including HR 5775 (FCRA Liability Harmonization Act), HR 8141 (Fair Credit Reporting Reseller Accuracy Act), S. 2074 (Servicemembers' Credit Monitoring Enhancement Act), and HR 306 (Ending Scam Credit Repair Act, ESCRA). -Issues related to the CFPB complaint portal, including HR 75889 (Eliminating Fraud in CFPB's Complaint Database Act). -Issues pertaining to data privacy and a potential federal framework. -Issues related to the FHFA governance of credit scores and reports for GSE loans. -Public Law No: 119-36 - Homebuyers Privacy Protection Act and implementation of limits on the use of mortgage trigger leads for credit reporting agencies. -Issues regarding tri-merge credit reporting.

Client expense: $125,000 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), Federal Housing Finance Agency (FHFA), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE

S. 619 - Credit Freeze for Kids Act: Provisions pertaining to credit freezing for children. S. 1465, H.R. 5402 - Credit Access and Inclusion Act: Provisions pertaining to consumer credit, alternative data and financial inclusion. H.R. 306 - Ending Scam Credit Repair Act (ESCRA Act): Provisions pertaining to credit repair companies. S. 2074 - Servicemembers' Credit Monitoring Enhancement Act: Issues pertaining to servicemembers' credit monitoring. H.R. 5775 - FCRA Liability Harmonization Act: Provisions pertaining to liability statutes in the Fair Credit Reporting Act. H.R. 7588 - Eliminating fraud in the CFPB's Complaint Database Act: Provisions pertaining to Consumer Financial Protection Bureau's complaint portal. H.R. 7270: Stop Identity Fraud and Identity Theft Act of 2026: Provisions pertaining to digital identity and identity fraud. H.R. 8413 - Securing and Establishing Consumer Uniform Rights and Enforcement (SECURE) Data Act; H.R. 8398 - Guidelines for Use, Access, and Responsible Disclosure of Financial Data (GUARD) Act: Provisions pertaining to consumer privacy and financial privacy. S.J. Res. 133, S.J. Res. 129, S.J. Res. 155, S.J. Res. 127: Issues related to actions taken by the Consumer Financial Protection Bureau. Issues related to the cost of credit reports and scores; inclusion of alternative credit scores for GSE mortgages. Issues related to collection of student loan debt by the federal government.

Client expense: $520,000 · Firm income: Not reported

-Issues pertaining to credit reporting and monitoring, use of alternative data, credit repair companies, and FCRA liability, including HR 5775 (FCRA Liability Harmonization Act), HR 8141 (Fair Credit Reporting Reseller Accuracy Act), S. 2074 (Servicemembers' Credit Monitoring Enhancement Act), and HR 306 (Ending Scam Credit Repair Act, ESCRA). -Issues related to the CFPB complaint portal, including HR 75889 (Eliminating Fraud in CFPB's Complaint Database Act). -Issues pertaining to data privacy and a potential federal framework. -Issues related to the FHFA governance of credit scores and reports for GSE loans. -Public Law No: 119-36 - Homebuyers Privacy Protection Act and implementation of limits on the use of mortgage trigger leads for credit reporting agencies.

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

Government targets: Consumer Financial Protection Bureau (CFPB), Federal Housing Finance Agency (FHFA), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, SENATE

S. 656 - Fair Credit for American Hostages Act: Provisions pertaining to freezing consumer credit reports of American Hostages. Public Law No: 119-36 - Homebuyers Privacy Protection Act: Provisions pertaining to the use of mortgage trigger leads for credit reporting agencies. S. 1465, H.R. 5402 - Credit Access and Inclusion Act: Provisions pertaining to consumer credit, alternative data and financial inclusion. H.R. 306 - Ending Scam Credit Repair Act (ESCRA Act): Provisions pertaining to credit repair companies. S. 2074 - Servicemembers' Credit Monitoring Enhancement Act: Issues pertaining to servicemembers' credit monitoring. H.R. 5775 - FCRA Liability Harmonization Act: Provisions pertaining to liability statutes in the Fair Credit Reporting Act. H.R. 7588 - Eliminating fraud in the CFPB's Complaint Database Act: Provisions pertaining to Consumer Financial Protection Bureau's complaint portal. H.R. 7270: Stop Identity Fraud and Identity Theft Act of 2026: Issues related to digital identity and identity fraud. Issues related to the cost of credit reports and scores. Issues related to the Consumer Financial Protection Bureau's 1033 open banking rulemaking.

Client expense: $670,000 · Firm income: Not reported

H.R. 1956: BAH Restoration Act H.R. 3838: Streamlining Procurement for Effective Execution and Delivery and National Defense Authorization Act for Fiscal Year 2026 H.R. 4199: Modernize the Au Pair Program Act of 2025 H.R. 4768: Health Care Fairness for Military Families Act of 2025 H.R. 5035: Veteran and Spouse Licensing Flexibility Act of 2025 H.R. 5095: HOMEFRONT Act of 2025 H.R. 5401: Pay Our Troops Act of 2026 H.R. 5586: TRICARE Transition Transparency Act of 2025 H.R. 5660: Pay Our Military Act H.R. 5953: Protect Military and Federal Employees from Unfair Bank Fees Act H.R. 6044: Pay Our Patriots Act H.R. 6045: COACH Act H.R. 6146: STAY Act H.R. 6224: Servicemember Student Loan Affordability Act of 2025 H.R. 6376: Supporting Military Families Exposed to Toxic Substances Act H.R. 6478: Air Guard STATUS Act of 2025 H.R. 6796: Military CARE Act H.R. 6958: PROTECT Military Families Act H.R. 10079: COACH Act S. 410: Love Lives On Act of 2025 S. 1071: National Defense Authorization Act for Fiscal Year 2026 S. 1122: BAH Restoration Act S. 2074: Servicemembers Credit Monitoring Enhancement Act S. 2296: National Defense Authorization Act for Fiscal Year 2026 S. 2448: Health Care Fairness for Military Families Act of 2025 S. 2772: Commissary Healthy Options and servicemember Welfare (CHOW) Act S. 3002: Pay Our Military Act of 2025 S. 3012: Shutdown Fairness Act S. 3165: True Shutdown Fairness Act S. 3168: Shutdown Fairness Act S. 3185: ANCHOR for Military Families Act S. 3253: Servicemember Student Loan Affordability Act of 2025 OMAO and NOAA Commissioned Corps in the FY 2026 NDAA MOLD Act Pathway for victims of sexual misconduct to file a claim against Pentagon USPHS and NOAA retiree pay during shutdown TRICARE Coverage - GLP-1s Unaccompanied Housing Reforms Military Child Care in Your Neighborhood (MCCYN) Program FY 2021 NDAA - Source of funding for Coast Guard retirees FY 2026 NDAA - TRICARE IVF Provisions FY 2026 NDAA - PCS Provisions PCS Leave for Federally Employed Uniformed Services Spouses TRICARE Dental Program coverage for Selected Reserve Aviation Incentive Pay (AvIP) Parity for Reserve Component Aviators CONUS COLA Food insecurity faced by currently serving servicemembers

S. 2144 - An Act to improve the safety and security of Members of Congress, immediate family members of Members of Congress, and congressional staff: Issues pertaining to data access and use for elected officials. S. 656 - Fair Credit for American Hostages Act: Provisions pertaining to freezing consumer credit reports of American Hostages. Public Law No: 119-36 - Homebuyers Privacy Protection Act: Provisions pertaining to the use of mortgage trigger leads for credit reporting agencies. S. 1465, H.R. 5402 - Credit Access and Inclusion Act: Provisions pertaining to consumer credit, alternative data and financial inclusion. H.R. 306 - Ending Scam Credit Repair Act (ESCRA Act): Provisions pertaining to credit repair companies. S. 2074 - Servicemembers' Credit Monitoring Enhancement Act: Issues pertaining to servicemembers' credit monitoring. H.R. 5775 - FCRA Liability Harmonization Act: Provisions pertaining to liability statutes in the Fair Credit Reporting Act. P.L. 119-60 - National Defense Authorization Act for Fiscal Year 2026: Issues pertaining to data access and use for elected officials. Issues pertaining to Consumer Financial Protection Bureau's complaint portal. Issues related to the cost of credit reports and scores.

Client expense: $740,000 · Firm income: Not reported

Government Funding Legislation to Open the Federal Government: Supported ongoing efforts in the Senate to advance the minibus package, pass a clean CR - extending the CR to January 2026 - to keep the doors of the federal government open, and ongoing advocacy urging the Senate to open the federal government once shut down. Tax Related Issues: Relief, Compliance, Reform The Family Business Legacy Act, H.R. 2918: Continue to support U.S. House passage of the legislation. Taxpayer Due Process Enhancement Act, H.R. 6506: Supported U.S. House passage of the legislation. Taxpayer Notification and Privacy Act, H.R. 6495: Supported U.S. House passage of the legislation. Access to Capital: Accredited Investor Definition: Continue to express support for efforts in the Congress to modernize the standard. INVEST Act, H.R. 3383: Supported U.S. House Passage of the legislation. Main Street Parity Act, H.R. 5763: Support U.S. House action of the legislation. Made in America Manufacturing Finance Act (H.R. 3174): Support U.S. House action of the legislation. Business Startup & Growth AI for Main Street Act, H.R. 5764: Support action by the U.S. House on the legislation. New Opportunities for Business Ownership and Self-Sufficiency Act (NO BOSS Act), H.R. 6431: Continue to support action by the U.S. House on the legislation. Workforce and Workplace Enhancement Issues Flexibility for Workers Education Act, H.R. 2262: Continue to support U.S. House passage of the bill. Empowering Employer Child and Elder Care Solutions Act, H.R. 2270: Continue to support U.S. House passage of the bill. Working Families Flexibility Act, H.R. 2870: Continue to support U.S. House passage of the bill. Ensuring Workers Get PAID Act, H.R. 2299/S. 2267: Support action by the U.S. House and U.S. Senate on the legislation. Improve and Enhance the Work Opportunity Tax Credit (WOTC) Act, S.3265/H.R. 6231: Support action on the legislation. EITC for Older Workers Act, H.R. 2972: Support U.S. House action on the legislation. Credit for Caring Act, S. 925, H.R. 2036: Support action by U.S. House and U.S. Senate on the legislation. Regulation, Regulatory Modernization, and Compliance Reform: Small Business Regulatory Reduction Act (H.R. 2965): Supported U.S. House passage of the legislation. Small Business Regulatory Flexibility Improvements Act (H.R. 421): Continue to support the legislation and U.S. House passage. Destroying Unnecessary, Misaligned, and Prohibitive Red Tape (DUMP Red Tape) Act, H.R. 4305: Supported U.S. House passage of the legislation. Standardizing Permitting and Expediting Economic Development Act (SPEED Act), H.R. 4776: Support U.S. House passage of the legislation. Promoting Efficient Review for Modern Infrastructure Today (PERMIT) Act, H.R. 3898: Support U.S. House passage of the legislation. PROVE It Act S.2074: Support the U.S. House and U.S. Senate legislation to strengthen regulatory accountability and transparency for small businesses. Fair and Accountable IRS Reviews Act, H.R. 5346: Continue to support the legislation. Taxpayer Due Process Enhancement Act, H.R. 6506: Supported U.S. House passage of the legislation. Taxpayer Notification and Privacy Act, H.R. 6495: Supported U.S. House passage of the legislation. Tax Court Improvement Act, H.R. 5349: Supported U.S. House passage of the legislation. IRS Basis-Shifting Rule and Fair Tax Enforcement: Continue to urge U.S. Treasury to take additional steps to protect small business partnerships from the implementation of policies and procedures that carry out the rules intent even though it as been rescinded. Warehouse Worker Protection Act (S.2613/H.R.4896): Oppose the legislation. Privacy Framework: Continue to support a federal framework governing privacy rules for the United States. DOL Independent Contractor Rule: Continue to support rescission of the independent contractor rule finalized by the Biden Administration, Employee or Independent Contractor Classification Under the Fair Labor Standards Act. FTCs 2023 Merger Guidelines and New Pre-Merger Filing Requirements: Continue to urge reform and clawing back the actions. Modern Worker Empowerment Act, H.R. 1319: Support action by the U.S. House. Modern Worker Security Act, H.R. 1320: Support action by the U.S. House. Faster Labor Contracts Act, S. 844: Oppose this U.S. Senate legislation. The Worker Enfranchisement Act, H.R. 2572: Support action by the U.S. House. Affordable Health Coverage: Lower Health Care Premiums for All Americans Act, H.R. 6703: Supported U.S. House passage of the legislation. Health Savings Accounts (HSAs): Support efforts in the House and Senate to expand and improve the accounts. Centers for Medicare and Medicaid Services (CMS) Rural Health Transformation Program: Supported implementation of the plan to support and strengthen the healthcare ecosystem in rural America that was advanced in the One Big Beautiful Bill Act. Price Controls: Continue to express concerns about drug price controls via most favored nation (MFN) and impact of importing price controls on innovation, investment, patient health. IP Rights and Protections: The RESTORE Patent Rights Act, S.708/H.R. 1574: Support action by the U.S. House and U.S. Senate on the legislation. Presidential Executive Orders and Memorandums SBE Council issued a supportive statement on "Ensuring a National Policy Framework for Artificial Intelligence." Trade and Global Markets: USTR Comments: 2026 Joint Review of the United States-Mexico-Canada Agreement (USMCA): Submitted comments to USTR in support of the general framework, urging more compliance efforts focused on protecting intellectual property (IP). U.S. Commerce Department Comments: Filed comments on Section 232 National Security Investigation of Imports of Personal Protective Equipment, Medical Consumables, and Medical Equipment, Including Devices, and asked for an exemption of Medtech from Sec. 232 tariffs. Continue to Support House and Senate Review of European-based digital laws and regulation such as the EUs Digital Services Act, the UKs Digital Markets, Competition and Consumers Act (DMCC), the EUs Digital Markets Act (DMA), and digital taxes and how these impose discriminatory barriers for American companies. Submitted Testimony for the Record for the Hearing Anti-American Antitrust: How Foreign Governments Target U.S. Businesses to House Judiciary Committee Subcommittee on the Administrative State, Regulatory Reform, and Antitrust and the impact of protectionist policies on U.S. based businesses.

S. 2144 - An Act to improve the safety and security of Members of Congress, immediate family members of Members of Congress, and congressional staff: Issues pertaining to data access and use for elected officials. S. 656 - Fair Credit for American Hostages Act: Provisions pertaining to freezing consumer credit reports of American Hostages. Public Law No: 119-36 - Homebuyers Privacy Protection Act: Provisions pertaining to the use of mortgage trigger leads for credit reporting agencies. S. 1465; H.R. 5402 - Credit Access and Inclusion Act: Provisions pertaining to consumer credit, alternative data and financial inclusion. H.R. 306 - Ending Scam Credit Repair Act (ESCRA Act): Provisions pertaining to credit repair companies. S. 2074 - Servicemembers' Credit Monitoring Enhancement Act: Issues pertaining to servicemembers' credit monitoring. Issues pertaining to liability statutes in the Fair Credit Reporting Act. Issues pertaining to Consumer Financial Protection Bureau's complaint portal. Issues related to the cost of credit reports and scores.

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

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

S.J.Res.36, H.J. Res 74 - A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to "Prohibition on Creditors and Consumer Reporting Agencies Concerning Medical Information (Regulation V)": Provisions pertaining to Consumer Financial Protection Bureau Medical Debt Rulemaking. S. 656 - Fair Credit for American Hostages Act: Provisions pertaining to freezing consumer credit reports of American Hostages. H.R. 2808, S. 1467 - Homebuyers Privacy Protection Act: Provisions pertaining to the use of Mortgage trigger leads for credit reporting agencies. S. 1465 - Credit Access and Inclusion Act: Provisions pertaining to consumer credit, alternative data and financial inclusion. H.R. 306 - Ending Scam Credit Repair Act (ESCRA Act): Provisions pertaining to credit repair companies. S. 2074 - Servicemembers' Credit Monitoring Enhancement Act: Issues pertaining to servicemembers' credit monitoring. Issues pertaining to liability statutes in the Fair Credit Reporting Act. Issues pertaining to Consumer Financial Protection Bureau's Data Broker Rulemaking. Issuesrelated to the cost of credit reports and scores.

Client expense: $600,000 · Firm income: Not reported