Credit Card Competition Act of 2026

Issues related to interchange, cost of acceptance, debit interchange price controls, and routing mandates for credit cards (S.3623 and H.R.7035, H.R.7035 and S.3623) Issues related to interest rate caps (S.381 and H.R. 1944) Issues related to small business growth Issues related to payment security and fraud and scam prevention Issues related to payment modernization Issues related to AI and payment security Issues related to cybersecurity Issues related to digital assets Issues related to digital trade and market access Issues related to payments and regulation Issues related to AI and U.S. exports

Client expense: Not reported · Firm income: $80,000

Government targets: Commerce, Dept of (DOC), HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of, U.S. Trade Representative (USTR)

Issues related to S. 3623 - Credit Card Competition Act of 2026; Issues related to digital assets legislation; Issues related to H.R. 3633 - Digital Asset Market Clarity Act.

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

Government targets: Natl Economic Council (NEC), SENATE

Issues related to S. 3623 - Credit Card Competition Act of 2026; Issues related to digital assets legislation; Issues related to S. 3755 - Digital Commodity Intermediaries Act; Issues related to H.R. 3633 - Digital Asset Market Clarity Act.

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

Government targets: Natl Economic Council (NEC), SENATE

Public Law No: 119-27: Opposing Credit Card Price Controls in the GENIUS Act Credit Card Competition Act of 2026 (S.3623/ H.R.7035)

Client expense: $80,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 3633, Digital Asset Market Clarity Act of 2025 H.R. 7035 and S. 3623 CCCA

Client expense: Not reported · Firm income: $50,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to retail payments market, swipe fee reform Regulation II - debit routing and debit regulated rate Issues related to penny/coin circulation H.R. 3074/S. 1525/H.R. 10167 - Common Cents Act Issues related to Dodd Frank section 1033/open banking Issues related to stablecoins/cryptocurrency S. 3623/H.R. 7035 - Credit Card Competition Act S. 3849/H.R. 7484 - Community Bank Relief Act Issues related to financial data privacy, Gramm-Leach-Bliley Act H.R. 8398 - GUARD Financial Data Act Issues related to national bank and credit union non-interest charges and fees

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

Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE, White House Office

H.R.1062 - Growing and Preserving Innovation in America Act of 2025. H.R.10431 - U.S. Innovation and Global Competitiveness Act of 2026. S.1605 - International Competition for American Jobs Act. S.1639 - American Innovation and Jobs Act. H.R.1990 - American Innovation and R&D Competitiveness Act of 2025. H.R.6518 & S.3759 - Securing America's Fuels Act. S.3623 & H.R.7035 - Credit Card Competition Act of 2026. Implementation of P.L. 119-21 - One Big Beautiful Bill Act. Corporate and aviation industry tax issues. Research & development audit procedures, enhancements, and experimentation expenses. Tax Cut and Jobs Act implementation. Foreign derived intangible income/deduction eligible income. Innovation and research & development competitiveness. Global minimum taxes. Energy tax. Qualified production property.

Client expense: $2,700,000 · Firm income: Not reported

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

Issues related to competition in credit card processing; issues related to the illicit sale of tobacco products; S.3623, The Credit Card Competition Act.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues relating to interchange fees on electronic payments; credit card interchange proposals; issues relating to payment innovation and card technology; issues related to payment card security; issues relating to Data Use and Privacy. Issues relating to the Credit Card Competition Act. S. 3623 & H.R. 7035. S. 394. PL 119-27 Guiding and Establishing National Innovation for US Stablecoin (GENIUS) Act. H.R. 3633, the Digital Asset Market Clarity (CLARITY) Act.

Client expense: Not reported · Firm income: $50,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Legislative and regulatory issues affecting the banking industry; Issues related to consumer data privacy; Issues related to payment networks; Issues related to artificial intelligence; Issues related to housing; Credit Card Competition Act (S. 3623/H.R. 7035); Issues related to interest rate caps, and tax matters impacting financial services institutions.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to payment processing, corporate governance, debit reforms, financial innovation and technology, lending, gift cards, money transmission licensing, fraud prevention, payment authentication, data security, the CFPB open banking rule, the Credit Card Competition Act (S. 3623 / H.R. 7035), implementation of the Consolidated Appropriations Act 2026 (P.L. 119-75), and financial inclusion.

Client expense: $4,490,000 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), Federal Reserve System, HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), SENATE, Treasury, Dept of

S. 381, H.R. 1944, S. 2781, S. 3623, H.R. 7035, S. 4244, S. 3793, S. 3721, S. 3660, H.R. 7548, S. 3774 - Discussed consumer protection, fraud and scam prevention, digital identification, credit reporting, and privacy issues related to financial services and products. Discussed issues related to credit and debit card services.

Client expense: $1,460,000 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), HOUSE OF REPRESENTATIVES, Natl Economic Council (NEC), SENATE

Issues related to credit card interchange; Issues relating to H.R. 7035/S. 3623, the Credit Card Competition Act; General monitoring of issues related to digital assets; H.R. 3633, Digital Asset Market Clarity Act of 2025; Issues related to artificial intelligence (AI)

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues relating to digital payments including the cost of acceptance, interchange fees, payment card security, data security, and cybersecurity. Issues relating to financial literacy. Issues relating to fraud & ID theft. Issues relating to digital transformation and payments innovations. Issues relating to artificial intelligence (AI) in payments innovations. Issues relating to the Credit Card Competition Act (S.3623, H.R. 7035). Issues relating to merchant category codes. Issues relating to privacy and data use. Issues relating to stablecoin regulation. Issues relating to PL-119-27, the Guiding and Establishing National Innovation for U.S. Stablecoins (GENIUS) Act. Issues relating to H.R. 3633, the Digital Asset Market Clarity (CLARITY) Act of 2025.

Client expense: $2,520,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Natl Economic Council (NEC), SENATE, Treasury, Dept of

Issues related to interchange, cost of acceptance, and routing mandates of credit cards. Issues related to payments, generally Issues related to credit card rate caps, generally S 3623, Credit Card Competition Act

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S. 3623 / H.R. 7035 - Credit Card Competition Act of 2026

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

Government targets: Small Business Administration (SBA)

Issues related to interchange, cost of acceptance, debit interchange price controls, and routing mandates for credit cards (H.R.7035 and S.3623) Issues related to interest rate caps (S.381 and H.R. 1944) Issues related to digital assets and stablecoins (H.R. 3633) Issues related to small business growth Issues related to payment security and fraud and scam prevention Issues related to artificial intelligence Issues related to digital trade and market access Issues related to cybersecurity Issues related to sanctions (H.R. 5334 and S.5025) Issues related to payments and regulation

Client expense: $1,850,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Executive Office of the President (EOP), HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of, U.S. Trade Representative (USTR), White House Office

Issues related to credit cards, issues related to interchange, Credit Card Competition Act (S.3623/H.R.7035)

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 478/S. 113, Promoting New Bank Formation Act S. 875/H.R. 2702, Financial Integrity and Regulation Management (FIRM) Act H.R. 1919/S. 1124, the Anti-CBDC Surveillance State Act H.R. 976/S. 557, the 1071 Repeal to Protect Small Business Lending Act H.R. 2392, the Stablecoin Transparency and Accountability for a Better Ledger Economy Act of 2025 (STABLE Act) S. 394/ S.919, Guiding and Establishing National Innovation for U.S. Stablecoins Act (GENIUS) S.3623/H.R.7035, Credit Card Competition Act of 2026 H.R. 1944/S. 381, the 10 Percent Credit Card Interest Rate Cap Act H.R. 654, the Taking Account of Bureaucrats Spending (TABS) Act of 2025 H.R. 987/S. 401, the Fair Access to Banking Act H.R. 1652, the Rectifying UDAAP Act H.R. 3445, the Bureau of Consumer Financial Protection Commission Act H.R. 1653, the CID Reform Act Business of Insurance Regulatory Reform Act H.R. 2513, CFPB-IG Reform Act H.R. 2183, the CFPB Dual Mandate and Economic Analysis Act H.R. 2331, the Transparency in CFPB Cost-Benefit Analysis Act H.R. 1606, the Making the CFPB Accountable to Small Business Act Cybersecurity Information Sharing Act Community Development Financial Institutions (CDFI) Fund Secure and Fair Enforcement (SAFE) Banking Act Regulatory Tailoring Community Reinvestment Act Deposit Insurance Reform S.4198/H.R.8087, the Main Street Depositor Protection Act National Bank Preemption H.R. 306, the Ending Scam Credit Repair Act Bank On Certification Program Central Bank Digital Currency Cryptocurrency Stablecoin Digital Assets Bank Capital Requirements/Basel Capital Proposal UDAAP Supervisory Policies and Adjudication Procedures Applying Community Reinvestment Act to credit unions Merchant Category Codes H.R. 1181, Protecting Privacy in Purchases Act H.R.1602, Financial Privacy Act of 2025 Foreign Affiliate Sharing Pilot Program Extension Act Financial Innovation and Technology for the 21st Century Act H.R.2885, Bank Loan Privacy Act H.R. 941, Small Lender Act Regulation II: Debit Card Interchange Fees and Routing Implementation of Dodd-Frank Act Section 1033: Final Rule on Personal Financial Data Rights Merger and Acquisition Policy Artificial Intelligence Risk Management, Regulation, and Innovation CDFI Certification & Funding Federal Reserve Discount Window and Emergency Lending Authority Tokenization of Assets Fraud Issues Peer-To-Peer Payment Fraud Financial Data Transparency Act Rulemaking FDIC Brokered Deposit Proposal H.R. 3633, the Digital Asset Market Clarity (CLARITY) Act of 2025 H.R.1900 - Bank Failure Prevention Act of 2025 H.R.3230 - Financial Institution Regulatory Tailoring Enhancement Act H.R.8287 - Stress Testing Accountability and Transparency Act H.R. 2835, the Small Bank Holding Company Relief Act H.R. 3709, the Advancing the Mentor-Protege Program for Small Financial Institutions Act H.R. 3716, the Systemic Risk Authority Transparency Act H.R. 940, the Fair Audits and Inspections for Regulators' (FAIR) Exams Act H.R. 3379, the Halting Uncertain Methods and Practices in Supervision (HUMPS) Act of 2025 H.R. 3380, the Taking Account of Institutions with Low Operation Risk (TAILOR) Act of 2025 S. 2019 / H.R. 4936, Taskforce for Recognizing and Averting Payment Scams Act, or TRAPS Act H.R. 3390, the Bringing the Discount Window into the 21st Century Act H.R. 4460, the Stop Agency Fiat Enforcement of Guidance (SAFE Guidance) Act H.R. 3446, the FDIC Board Accountability Act H.R. 4544, The American Access to Banking Act H.R. 4478, the Tailored Regulatory Updates for Supervisory Testing Act of 2025 (TRUST Act) H.R. 4437, the Supervisory Modifications for Appropriate Risk-Based Testing Act of 2025 (SMART Act) H.R. 5270, the Stress Testing Accountability and Transparency Act H.R. 5276, the Community Bank Leverage Improvement and Flexibility for Transparency (Community Bank LIFT) Act H.R. 5291, the Merchant Banking Modernization Act H.R. 5262, the Bank Competition Modernization Act Legislation to support Minority Depository Institutions H.R. 6553, the Tailoring and Indexing Enhanced Regulations (TIER) Act H.R. 6554, the Community Bank Representation Act H.R. 6536, Rural Depositories Revitalization Study Act H.R. 6551, the New Bank Application Numbers Knowledge Act (New BANK) Act H.R. 6546, Merger Process Review Act H.R. 6570, the Merger Agreement Approvals Clarity and Predictability Act H.R. 6544, The Regulatory Efficiency, Verification, Itemization, and Enhanced Workflow (REVIEW) Act H.R. 6550, the American Financial Institution Regulatory Sovereignty and Transparency (American FIRST) Act H.R. 6555, the Enhancing Bank Resolution Participation Act Ensuring Fair Access to Banking Act H.R. 6955, the Main Street Capital Access Act H.R. 7056, the Community Bank Regulatory Tailoring Act S.3940, the Access to Fair Financing for Opportunity and Resilient Development (AFFORD) Act S. 3017, the STREAMLINE Act H.R. 1799, the Financial Reporting Threshold Modernization Act H.R. 8278, Fostering the Use of Technology to Uphold Regulatory Effectiveness in Supervision (FUTURES) Act H.R. 9331, the Strengthening Transaction Oversight Preventing (STOP) Payments Fraud Act H.R. 9471/S. 4942, the Secure and Fair Enforcement Banking Act (SAFE Banking Act) of 2026 H.R. 8395, the Payments Access and Consumer Efficiency (PACE) Act H.R. 7866 / S. 3889, American Lending Fairness Act of 2026 H.R. 9668, the Safeguarding Transactions to Outpace Predatory (STOP) Senior Fraud Act

Client expense: $3,100,000 · Firm income: Not reported

Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

H.R. 7035/S.3623 - Credit Card Competition Act of 2026 H.R. 3074/S. 1525 - Common Cents Act

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 7035/S.3623 Credit Card Competition Act of 2026 H.R. 3074/S.1525 Common Cents Act

Client expense: $590,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

House: H.R.1, An Act to provide for reconciliation pursuant to title II of H. Con. Res. 14. H.R. 425, the Repealing Big Brother Overreach Act H.R.7035, the Credit Card Competition Act of 2026 H.R. 6213, the Heat Workforce Standards Act of 2025 H.R. 4776, the Standardizing Permitting and Expediting Economic Development (SPEED) Act H.R. 4366, the Save Local Business Act H.R. 3898, the Promoting Efficient Review for Modern Infrastructure Today (PERMIT) Act H.R. 3699, the Energy Choice Act H.R. 4424, the Securing Help for Involuntary Employment Loss and Displacement (SHIELD) Act H.R. 5463, the Custom Health Option and Individual Care Expense (CHOICE) Arrangement Act H.R.6703, the Lower Health Care Premiums for All Americans Act H.R. 20, the Richard L. Trumka Protecting the Right to Organize (PRO) Act H.R. 4896, the Warehouse Worker Protection Act H.R. 2743, the Raise the Wage Act H.R. 1319, the Modern Worker Empowerment Act H.R. 1566, the Right to Equitable and Professional Auto Industry Repair (REPAIR) Act H.R. 5349, the Tax Court Improvement Act H.R. 5346, the Fair and Accountable IRS Review Act H.R.5267, the American Franchise Act H.R. 2528, the Association Health Plans Act H.R. 6420, the Affordable Care Economic Stability and Small Business (ACCESS) Act H.R.1163, the Prove It Act of 2025 H.R. 5258, the Lawsuit Abuse Reduction Act of 2025 H.R. 2675, the Protecting Our Courts from Foreign Manipulation Act of 2025 H.R. 4626, the Home Appliance Protection and Affordability Act H.R.7148 - Consolidated Appropriations Act, 2026 H.R.7328 - Protecting Small Businesses from Predatory Website Lawsuits Act H.R. 6250, the Cold Weather Diesel Reliability Act of 2025 H.R. 6453, the Americans with Disabilities Act 30 Days to Comply Act H.R.7847, the Stop Unemployment Fraud Act H.R. 2528, the Association Health Plans Act H.R. 8082, the Competition and Openness in Markets to Promote Efficiency, Transparency, and Enhanced Affordability (COMPETE) Act H.R. 6538, the More Affordable Care Act H.R. 5582, the Patients Deserve Price Tags Act H.R. 5408, the Faster Labor Contracts Act H.R.8800, National Defense Authorization Act for Fiscal Year 2027 H.R.3269, Eliminating Thickets to Increase Competition (ETHIC) Act H.R. 5337, Motor Carrier Safety Selection Standard Act Consumer Financial Protection Bureau Section 1071 rule requires covered financial institutions to collect and report demographic and credit data on small business loan applications. H.R. 8415, Small Business Tax Cut Act H.R. 1897, Endangered Species (ES) Amendments Act of 2025 H.R.5166, Financial Services and General Government Appropriations Act, 2026 H.R. 1687, the Committing Leases for Energy Access Now (CLEAN) Act H.R. 6398, the Reducing and Eliminating Duplicative Environmental Regulations Act H.R. 8414, Know Your Labor Rights Act H.R. 7861, HSAs for All Act H.R. 7895, PBM Kickback Prohibition Act H.R. 9618, Diesel Engine Flexibility Act H.R. 9340, Ratepayer Protection Act H.R.1515, Guidance Out of the Darkness (GOOD) Act H.R. 10015, Great American Healthcare Act H.R. 5883, Safer Supervision Act of 2025 H.R. 1501, the Protecting Domestic Mining Act H.R. 9618, the Diesel Engine Flexibility (DEF) Act H.R. 10263, Halt Abusive Internet Lawsuits Act of 2026 H.R. 2675, the Protecting Our Courts from Foreign Manipulation H.J. Res. 210, Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Environmental Protection Agency relating to "California State Nonroad Engine Pollution Control Standards; Ocean-Going Vessels At-Berth; Notice of Decision", which would repeal an Environmental Protection Agency (EPA) rule requiring ocean-going vessels to reduce emissions while docked at California ports that increased shipping costs for energy, consumer products and inputs, and increased electricity demand and costs for small businesses and consumers. H.J. Res 213, Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule issued by the Environmental Protection Agency relating to the "California State Nonroad Engine Pollution Control Standards; Commercial Harbor Craft Regulations; Notice of Decision", which would repeal the Environmental Protection Agencys (EPA) "California State Nonroad Engine Pollution Control Standards; Commercial Harbor Craft Regulations; Notice of Decision" rule which mandated that harbor vessels install more expensive zero-emissions engines. This regulation increased operating and energy costs for small businesses and consumers in California and across the country Issues relating to small business taxation Issues related to the expiring TCJA tax provisions Issues related to ADA website reforms Issues related to the minimum wage increase Issues related to "Affordable Care Act Reform" Issues related to Pharmacy Benefit Managers Issues related to Health Reform Issues related to regulatory reforms Issues related to Waters of United State Senate: S. 100, the Repealing Big Brother Overreach Act S.3623, the Credit Card Competition Act of 2026 S. 4427, Heat Workforce Standards Act of 2026 S. 3117, the Worker Reforming Elections for Speedy and Unimpeded Labor Talks (RESULTS) Act S. 3116, the Fairness in Filing Act S. 5213, the Union Members' Right to Know Act S.3124, the Protection on the Picket Line Act S.3128, the Worker Privacy Act S. 852, the Richard L. Trumka Protecting the Right to Organize (PRO) Act S. 2613, the Warehouse Worker Protection Act S. 844, the Faster Labor Contracts Act S. 2013, the Higher Wages for American Workers Act S. 1332, the Raise the Wage Act S. 1945, the Energy Choice Act S. 1379, the Right to Equitable and Professional Auto Industry Repair (REPAIR) Act S.2875, the Custom Health Option and Individual Care Expense (CHOICE) Act S. 1847, the Association Health Plans Act S. 3418, the Competition and Openness in Markets to Promote Efficiency, Transparency, and Enhanced Affordability (COMPETE) Act S.495, Prove it Act of 2025 S. 3264, the More Affordable Care Act S. 2355, the Patients Deserve Price Tags Act S. 4366, Know Your Labor Rights Act S. 2276, Eliminating Thickets to Increase Competition (ETHIC) Act S. 4419: A bill to amend title 31, United States Code, to require only foreign entities to report beneficial ownership information, and for other purposes. S.J. Res. 208, A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Environmental Protection Agency relating to "California State Motor Vehicle Pollution Control Standards; Advanced Clean Car Program; Reconsideration of a Previous Withdrawal of a Waiver of Preemption; Notice of Decision", which would repeal an Environmental Protection Agency (EPA) waiver granted to the California Air Resources Board (CARB), allowing the continuation of the Advanced Clean Cars (ACC) framework. These overreaching standards would have resulted in a costly and unrealistic electric vehicle mandate on small business owners and consumers nationwide. S.J. Res. 209, A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Environmental Protection Agency relating to "California State Nonroad Engine Pollution Control Standards; Ocean-Going Vessels At-Berth; Notice of Decision" which would repeal an Environmental Protection Agency (EPA) rule requiring ocean-going vessels to reduce emissions while docked at California ports. Issue relating to small business taxation S.J. Res. 206, A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Environmental Protection Agency relating to "California State Motor Vehicle Pollution Control Standards; Notice of Decision Granting a Waiver of Clean Air Act Preemption for California's 2009 and Subsequent Model Year Greenhouse Gas Emission Standards for New Motor Vehicles" which would repeal an Environmental Protection Agency (EPA) rule titled California State Motor Vehicle Pollution Control Standards; Notice of Decision Granting a Waiver of Clean Air Act [CAA] Preemption for California's 2009 and Subsequent Model Year Greenhouse Gas Emission Standards for New Motor Vehicles that increased the cost of vehicles for small businesses and consumers. S.J. Res. 207, A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Environmental Protection Agency relating to "California State Motor Vehicle Pollution Control Standards; Notice of Decision Granting a Waiver of Clean Air Act Preemption for California's Advanced Clean Car Program and a Within the Scope Conformation for California's Zero Emission Vehicle Amendments for 2017 and Earlier Model Years" which would repeal the Environmental Protection Agencys (EPA) waiver granting the California Air Resources Board (CARB) the authority to create the Advanced Clean Cars (ACC) framework. This overreaching rule increased costs for small businesses and consumers by creating a de facto electric vehicle mandate. S.J. Res. 205, A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Environmental Protection Agency relating to "California State Nonroad Engine Pollution Control Standards; Small Off-Road Engines Regulations; Notice of Decision" which would repeal the Environmental Protection Agencys (EPA) rule titled "California State Nonroad Engine Pollution Control Standards; Small Off-Road Engines [SORE] Regulations. Issue related to the expiring TCJA tax provisions Issue related to ADA website reforms Issue related to the minimum wage increase Issue related to "Affordable Care Act Reform" Issue related to Pharmacy Benefits Managers Issue related to Health reform Issues related to wiretapping and eavesdropping law abuse Department of the Treasury: Beneficial Ownership Information (BOI) Reporting Rule White House: Beneficial Ownership Information (BOI) Reporting Rule Heat Injury and Illness Prevention in Outdoor and Indoor Work Settings Rule Issues related to Short-Term, Limited-Duration Insurance Plans Issues related to Health Savings Accounts Issues related to CHOICE Arrangements Healthcare Transparency Rule Vice President of the U.S.: Heat Injury and Illness Prevention in Outdoor and Indoor Work Settings Rule Department of Labor: Heat Injury and Illness Prevention in Outdoor and Indoor Work Settings Rule Issues related to Short-Term, Limited-Duration Insurance Plans Occupational Safety and Health Administration: Heat Injury and Illness Prevention in Outdoor and Indoor Work Settings Rule Small Business Administration: Beneficial Ownership Information (BOI) Reporting Rule Heat Injury and Illness Prevention in Outdoor and Indoor Work Settings Rule Issues related to Title III ADA website reforms Department Health and Human Services: Short-Term, Limited Duration Insurance Rule Individual Coverage Health Reimbursement Arrangement Rule Health Savings Account Rule

Client expense: $1,910,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Labor, Dept of (DOL), Occupational Safety & Health Administration (OSHA), SENATE, Small Business Administration (SBA), Treasury, Dept of, Vice President of the U.S., White House Office

Issues related to credit card interchange; Issues relating to H.R. 7035/S. 3623, the Credit Card Competition Act; Issues related to H.R. 3633, Digital Asset Market Clarity Act of 2025.

Client expense: Not reported · Firm income: $50,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to credit card interchange; Issues relating to H.R. 7035/S. 3623, the Credit Card Competition Act; Issues related to H.R. 3633, Digital Asset Market Clarity Act of 2025.

Client expense: Not reported · Firm income: $50,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Customer-related issues. Air Traffic Control Reform, Staffing, and Modernization. Government Shutdown Impacts on Federal Aviation Administration and TSA and CBP. DOT and FAA Regulations. S. 1045/H.R. 5455, Aviation Funding Stability Act, to provide funding for the FAA in the event of a lapse in appropriations. H.R.6086, Aviation Funding Solvency Act, to provide funding for the FAA in the event of a lapse in appropriations. S.1985, Safe Operations of Shared Airspace Act of 2025, most provisions. H.R. 2591/S. 3257, Mental Health in Aviation Act of 2025, all provisions. H.R. 2592, Aviation Medication Transparency Act of 2025, all provisions. P.L. 118-63, FAA Reauthorization Act of 2024, most provisions. S. 3623/H.R. 7035, Credit Card Competition Act, all provisions. H.R. 1719/S. 144, Farm to Fly Act of 2025, all provisions. S. 1422, Fanner First Fuel Incentives Act, provisions related to aviation. S. 2503, ROTOR Act, all provisions. H.R. 7613, ALERT Act, all provisions. S, 2378, Spending Aviation Fees for Equipment, Guaranteeing Upgraded and Advanced Risk Detection and Safety Act of 2025 (SAFEGUARDS Act), all provisions. S. 3759/H.R. 6518, SAF Act, all provisions. Issues pertaining to security screening and biometric technology. Issues pertaining to cabotage regulations. Issues pertaining to airline frequent flyer programs. Issues pertaining to airline workforce and labor. Issues pertaining to FCC spectrum auction/aircraft radio altimeter interference. Issues pertaining to Department of State Travel Advisory Requirements.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Policy proposals related to payments. H.R. 7035/S. 3623, Credit Card Competition Act of 2026. H.R. 10167/S. 1525, Common Cents Act. H.R. 8413, SECURE Data Act. H.R. 8398, Guidelines for Use, Access, and Responsible Disclosure of Financial Data Act.

Client expense: $320,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to payments innovation, payment/data security, payments regulation, privacy & data use issues. Issues related to interchange fees on electric payments including S. 3623 & H.R. 7035. S.1582 GENIUS (Guiding and Establishing National Innovation for US Stablecoin Act) /PL 119-27. Financial literacy. H.R. 3633, the Digital Asset Market Clarity Act of 2025.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Small Business Administration (SBA), Treasury, Dept of

Issues related to interchange fees on electric payments including S. 3623 & H.R. 7035. S.1582 GENIUS (Guiding and Establishing National Innovation for US Stablecoin Act) /PL 119-27.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to payment markets and credit card swipe fees. H.R.3074/S.1525: Common Cents Act. Issues related to the penny shortage. S.3623/H.R.7035: Credit Card Competition Act of 2026.

Client expense: Not reported · Firm income: $50,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to interchange fees and creating competition in payment markets. H.R.7035/S.3623: Credit Card Competition Act of 2026. H.R.3074/S.1525: Common Cents Act. Issues related to the penny shortage. Issues related to open banking and rewards.

Client expense: Not reported · Firm income: $110,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE, White House Office

Discussions regarding S. 3623 / H.R. 7035, the Credit Card Competition Act of 2026 Discussions relating to privacy legislation Discussions involving pricing transparency Monitored discussions involving organized retail crime

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

General issues impacting consumer and commercial loans including payment systems, emerging payments, loan terms and product features, and the regulation of banking. S.2019 - Task Force for Recognizing and Averting Payment Scams Act (TRAPS Act)/HR 2978 - Guarding Unprotected Aging Retirees from Deception Act (GUARD Act); Issues related to fraud and scam prevention. S. 3623 and H.R. 7035 - Credit Care Competition Act of 2026

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to financial services: including H.R. 7035/S. 3623 - Credit Card Competition Act of 2026 and H.R. 3633 - Digital Asset Market Clarity Act of 2025.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues pertaining to Banking Access; issues relating to banking in general; Payments Issues; issues pertaining to Deposit Insurance; issues pertaining to Data Privacy; issues pertaining to Bank Capital Standards; issues pertaining to BSA/AML; H.R. 1799, Financial Reporting Threshold Modernization Act, all provisions; H.R. 7035/S. 3623, Credit Card Competition Act of 2026, all provisions; H.R. 3633, Digital Asset Market Clarity Act of 2025, all provisions; H.R. 8395, PACE Act of 2026, all provisions; H.R. 8338, SAFER Act of 2026, all provisions.

Client expense: $640,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to interchange, cost of acceptance, debit interchange price controls, and routing mandates for credit cards; Issues related to artificial intelligence and payment security; Issues related H.R.7035/S.3623 - Credit Card Competition Act of 2026.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to payments, including in H.R. 7035/S. 3623 - Credit Card Competition Act of 2026; Issues related to the GENIUS Act (P.L. 119-27); Issues related to H.R. 3633 - Digital Asset Market Clarity Act.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Monitor issues related to the use of digital assets and blockchain technology, and monitor credit card payment legislation, including the H.R. 7035 / S. 3623, the Credit Card Competition Act of 2026.

Client expense: Not reported · Firm income: $50,000

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

Issues related to the electronic payments system. H.R. 7035/S. 3623, Credit Card Competition Act of 2026

Client expense: Not reported · Firm income: $20,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Senate: Outreach to, thanking offices of Senators King, Lummis, and Moreno for cosponsoring the Credit Card Competition Act (S.3623).

Client expense: $10,000 · Firm income: Not reported

Government targets: SENATE

S.3623/H.R.7035 - Credit Card Competition Act of 2026; interest rate caps; Federal Reserve's Proposed Reg II Rule; S.381/H.R.1944, 10 Percent Credit Card Interest Rate Cap Act.

Client expense: Not reported · Firm income: $50,000

Government targets: Consumer Financial Protection Bureau (CFPB), HOUSE OF REPRESENTATIVES, Natl Economic Council (NEC), SENATE

S.3623 - Credit Card Competition Act of 2026 - Issues associated with modifications to payment methods, including Buy Now Pay Later (BNPL) and credit card interchange fees.

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

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

S.3623 / H.R. 7035, Credit Card Competition Act, issues related to swipe fees and competitive routing.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S.3623 / H.R. 7035, Credit Card Competition Act; issues related to swipe fees and competitive routing.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE, White House Office

Federal activity on tax and budget, regulatory reform and general banking, securities, housing, and general financial services issues; H.R.1, One Big Beautiful Bill Act (P.L.119-21); S.3623/H.R.7035, Credit Card Competition Act of 2026.

Client expense: Not reported · Firm income: $50,000

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