ESCRA Act

H.R. 306 / S. 4144 - Ending Scam Credit Repair Act: provisions related to credit reporting reform. H.R. 940 - Fair Audits and Inspections for Regulators' (FAIR) Exams Act: provisions related to examination. H.R. 2152 - Artificial Intelligence Practices, Logistics, Actions, and Necessities (AI PLAN) Act: provisions related to artificial intelligence. H.R. 2702 / S. 875 - Financial Integrity and Regulation Management (FIRM) Act: provisions related to regulatory reform. H.R. 2978 - Guarding Unprotected Aging Retirees from Deception (GUARD) Act: provisions related to artificial intelligence. H.R. 3380 / S. 427 - Taking Account of Institutions with Low Operation Risk (TAILOR) Act of 2025: provisions related to regulatory reform. H.R. 3709 - Advancing the Mentor-Protege Program for Small Financial Institutions Act: provisions related to regulatory reform. H.R. 4437 - Supervisory Modifications for Appropriate Risk-based Testing (SMART) Act: provisions related to examination. H.R. 4478 / S. 3830 - Tailored Regulatory Updates for Supervisory Testing (TRUST) Act of 2025 Act: provisions related to examination. H.R. 4801 - Unleashing AI Innovation in Financial Services Act: provisions related to artificial intelligence. H.R. 5317 - Community Bank Deposit Access Act of 2025: provisions regarding custodial deposits. H.R. 5402 / S. 1465 - Credit Access and Inclusion Act of 2025: provisions related to credit reporting. H.R. 6552 - Bank-Fintech Partnership Enhancement Act: provisions related to bank-fintech partnerships. H.R. 6955 - Main Street Capital Access Act: provisions from proposed bills H.R. 940, H.R. 2702, H.R. 4437, H.R. 5317 and S. 875. H.R. 7866 / S. 3889 - American Lending Fairness Act of 2026: provisions related to lending. H.R. 7892 / S. 4428 - No Aid for Ghost Students Act of 2026: provisions related to strengthening federal student aid system. H.R. 8278 - Fostering the Use of Technology to Uphold Regulatory Effectiveness in Supervision (FUTURES) Act: provisions related to artificial intelligence. H.R. 8398 - Guidelines for Use, Access, and Responsible Disclosure of Financial Data Act: provisions related to artificial intelligence. H.R. 8671 - Bank Fraud Technology Advancement Act of 2026: provisions related to artificial intelligence. H.R. 9330 - Earned Wage Access Consumer Protection Act: provisions related to earned wage access. H.R. 9331 - STOP Payments Fraud Act of 2026: provisions related to regulatory reform. H.R. 10184 - Consumer Financial Protection Accountability and Reform Act of 2026: provisions related to earned wage access, governance, nonbank supervision, and consumer complaints. S. 1582 - Guiding and Establishing National Innovation for U.S. Stablecoins (GENIUS) Act: provisions related to interest/yield reform. S. 3721 - Empowering States Rights To Protect Consumers Act of 2026: provisions related to lending. S. 5051 - AI AGENT Act of 2026: provisions related to responsible AI policy. Discussions regarding modernization of the Gramm-Leach-Bliley Act, Title VI. Discussions regarding implementation of the student lending provisions of PL 116-251, Stop Student Debt Relief Scams Act of 2019.

Client expense: $120,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

General issues related to consumer and small business lending, debt settlement, auto lending, and credit repair, including S.4144, the Ending Scam Credit Repair Act (ESCRA)

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

Government targets: HOUSE OF REPRESENTATIVES

H.R. 306 / S. 4144, Ending Scam Credit Repair Act; Credit Repair Organizations Act (CROA) reform; consumer financial services regulation; CFPB and FTC rule making and enforcement policy relating to credit repair industry.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Traditional installment lending and Consumer Financial Protection Bureau related matters; 1) Ending Scam Credit Reporting Act (HB306, S4144) 2) CFPB Changes/Actions 3) Rate Caps on Traditional Installment Lending 4) Privacy Act

Client expense: $45,000 · Firm income: Not reported

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

H.R. 654TABS Act H.R.1653Civil Investigative Demand Reform Act of 2025 H.R. 1652Rectifying UDAAP Act H.R.2183CFPB Dual Mandate and Economic Analysis Act H.R. 2331Transparency in CFPB Cost-Benefit Analysis Act H.R.306 and S. 4144 The Ending Scam Credit Repair (ESCRA) Act H.J.Res.74 and S. J. Res 36Medical Debt CRA S. 4622 Protecting Americans from Treatment-related Credit Harm Act Issues related to credit reporting Issues related to medical debt Issues related to financial influencers Issues related to the CFPB complaint database

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

Government targets: Consumer Financial Protection Bureau (CFPB), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, SENATE, Small Business Administration (SBA)

S.4144/H.R.306 - Ending Scam Credit Repair Act or the ESCRA Act Debt settlement issues Legislation to protect consumers from online scams H.R. 5775, the FCRA Liability Harmonization Act H.R. 2978, Guarding Unprotected Aging Retirees from Deception (GUARD Act)

Client expense: $3,510,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 306 / S. 4144 - Ending Scam Credit Repair Act: provisions related to credit reporting reform. H.R. 940 - Fair Audits and Inspections for Regulators' (FAIR) Exams Act: provisions related to examination. H.R. 2152 - Artificial Intelligence Practices, Logistics, Actions, and Necessities (AI PLAN) Act; provisions related to artificial intelligence. H.R. 2702 / S. 875 - Financial Integrity and Regulation Management (FIRM) Act: provisions related to regulatory reform. H.R. 2978 - Guarding Unprotected Aging Retirees from Deception (GUARD) Act; provisions related to artificial intelligence. H.R. 3380 / S. 427 - Taking Account of Institutions with Low Operation Risk (TAILOR) Act of 2025: provisions related to regulatory reform. H.R. 3709 - Advancing the Mentor-Protege Program for Small Financial Institutions Act: provisions related to regulatory reform. H.R. 4801 - Unleashing AI Innovation in Financial Services Act; provisions related to artificial intelligence. H.R. 4437 - Supervisory Modifications for Appropriate Risk-based Testing (SMART) Act: provisions related to examination. H.R. 4478 / S. 3830 - Tailored Regulatory Updates for Supervisory Testing (TRUST) Act of 2025 Act: provisions related to examination. H.R. 5317 - Community Bank Deposit Access Act of 2025: provisions regarding custodial deposits. H.R. 5402 / S. 1465 - Credit Access and Inclusion Act of 2025: provisions related to credit reporting. H.R. 6552 - Bank-Fintech Partnership Enhancement Act: provisions related to bank-fintech partnerships. H.R. 6955 - Main Street Capital Access Act: provisions from proposed bills H.R. 940, H.R. 2702, H.R. 4437, H.R. 5317 and S. 875. H.R. 7866 / S.3889 - American Lending Fairness Act of 2026: provisions related to lending. H.R. 8278 - Fostering the Use of Technology to Uphold Regulatory Effectiveness in Supervision (FUTURES) Act; provisions related to artificial intelligence. H.R. 8398 - Guidelines for Use, Access, and Responsible Disclosure of Financial Data Act; provisions related to artificial intelligence. H.R. 8671 - Bank Fraud Technology Advancement Act of 2026; provisions related to artificial intelligence. H.R. 9330 - Earned Wage Access Consumer Protection Act; provisions related to earned wage access. H.R. 9331 - STOP Payments Fraud Act of 2026; provisions related to regulatory reform. S. 1582 - Guiding and Establishing National Innovation for U.S. Stablecoins (GENIUS) Act; provisions related to interest/yield reform. S. 3721 - Empowering States Rights To Protect Consumers Act of 2026: provisions related to lending. Discussions regarding modernization of the Gramm-Leach-Bliley Act, Title VI.

Issues related to consumer credit report correction and the credit repair industry Issues pertaining to legislation to repeal FCRA 15 U.S.C. 1681s-2(a)(8)(G) exclusion provision H.R.306, Ending Scam Credit Repair Act S.4144, Ending Scam Credit Repair Act Issues related to establishing a uniform regulatory approach to the Telemarketing Sales Rule's advance fee prohibition for the credit repair industry

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

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

Issues related to consumer credit report correction and the credit repair industry Issues pertaining to legislation to repeal FCRA 15 U.S.C. 1681s-2(a)(8)(G) exclusion provision H.R.306, Ending Scam Credit Repair Act S.4144, Ending Scam Credit Repair Act Issues related to establishing a uniform regulatory approach to the Telemarketing Sales Rule's advance fee prohibition for the credit repair industry

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

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

General issues related to consumer and small business lending, debt settlement, auto lending, and credit repair, including S.4144, the Ending Scam Credit Repair Act (ESCRA)

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Traditional installment lending and Consumer Financial Protection Bureau related matters; 1) Ending Scam Credit Reporting Act (HB306, S4144) 2) CFPB Changes/Actions 3) Rate Caps on Traditional Installment Lending

Client expense: $45,000 · Firm income: Not reported

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

H.R. 306 / S. 4144, Ending Scam Credit Repair Act; Credit Repair Organizations Act (CROA) reform; consumer financial services regulation; CFPB and FTC rule making and enforcement policy relating to credit repair industry.

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

H.R. 306 / S. 4144, Ending Scam Credit Repair Act; Credit Repair Organizations Act (CROA) reform; consumer financial services regulation; CFPB and FTC rule making and enforcement policy relating to credit repair industry.

Client expense: Not reported · Firm income: Not reported

S.4144/H.R.306 - Ending Scam Credit Repair Act or the ESCRA Act Debt settlement issues Legislation to protect consumers from online scams

Client expense: $3,140,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to consumer credit report correction and the credit repair industry Issues pertaining to legislation to repeal FCRA 15 U.S.C. 1681s-2(a)(8)(G) exclusion provision H.R.306, Ending Scam Credit Repair Act S.4144, Ending Scam Credit Repair Act Issues related to establishing a uniform regulatory approach to the Telemarketing Sales Rule's advance fee prohibition for the credit repair industry

Client expense: Not reported · Firm income: $33,000

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

Issues related to consumer credit report correction and the credit repair industry Issues pertaining to legislation to repeal FCRA 15 U.S.C. 1681s-2(a)(8)(G) exclusion provision H.R.306, Ending Scam Credit Repair Act S.4144, Ending Scam Credit Repair Act Issues related to establishing a uniform regulatory approach to the Telemarketing Sales Rule's advance fee prohibition for the credit repair industry

Client expense: Not reported · Firm income: $33,000

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

Issues related to consumer credit report correction and the credit repair industry Issues pertaining to legislation to repeal FCRA 15 U.S.C. 1681s-2(a)(8)(G) exclusion provision H.R.306, Ending Scam Credit Repair Act S.4144, Ending Scam Credit Repair Act Issues related to establishing a uniform regulatory approach to the Telemarketing Sales Rule's advance fee prohibition for the credit repair industry

Client expense: Not reported · Firm income: $66,000

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

H.R. 306 / S. 4144 - Ending Scam Credit Repair Act: provisions related to credit reporting reform. H.R. 940 - Fair Audits and Inspections for Regulators' (FAIR) Exams Act: provisions related to examination. H.R. 2702 / S. 875 - Financial Integrity and Regulation Management (FIRM) Act: provisions related to regulatory reform. H.R. 3380 / S. 427 - Taking Account of Institutions with Low Operation Risk (TAILOR) Act of 2025: provisions related to regulatory reform. H.R. 3709 - Advancing the Mentor-Protege Program for Small Financial Institutions Act: provisions related to regulatory reform. H.R. 4437 - Supervisory Modifications for Appropriate Risk-based Testing (SMART) Act: provisions related to examination. H.R. 4478 / S. 3830 - Tailored Regulatory Updates for Supervisory Testing (TRUST) Act of 2025 Act: provisions related to examination. H.R. 5317 - Community Bank Deposit Access Act of 2025: provisions regarding custodial deposits. H.R. 5402 / S. 1465 - Credit Access and Inclusion Act of 2025: provisions related to credit reporting. H.R. 6552 - Bank-Fintech Partnership Enhancement Act: provisions related to bank-fintech partnerships. H.R. 6955 - Main Street Capital Access Act: provisions from proposed bills H.R. 940, H.R. 2702, H.R. 4437, H.R. 5317 and S. 875. H.R. 7866 / S.3889 - American Lending Fairness Act of 2026: provisions related to lending. S. 3721 - Empowering States Rights To Protect Consumers Act of 2026: provisions related to lending. Implementation of the interest/yield reform provisions of S. 1582, Guiding and Establishing National Innovation for U.S. Stablecoins Act (GENIUS) Act. Discussions related to the regulatory review process for the Economic Growth and Regulatory Paperwork Reduction Act of 1996. Discussions regarding modernization of the Gramm-Leach-Bliley Act, Title VI. Discussions regarding the proposed reintroduction of the Earned Wage Access Consumer Protection Act. Discussions on potential legislation to modernize credit opportunities related to lending.

S. 4055/H.R. 1469, the Senior Security Act. S.4092, the No Crypto in Social Security Act. H.R. 6644, the ROAD to Housing Act. S. 2117/H.R. 1734, the Preventing Deep Fake Scams Act. S. 2840/H.R. 2478, the Financial Exploitation Prevention Act. S. 1467/H.R. 2808, the Homebuyers Privacy Protection Act. H.R. 2978, the GUARD Act. S. 4144/H.R. 306, the Ending Scam Credit Repair Act (ESCRA) Act. S.1773/H.R. 3469, the Tax Relief for Victims of Crimes, Scams, and Disasters Act. S. 2019/H.R. 4936, the Taskforce for Recognizing and Averting Payment Scams (TRAPS) Act. H.R. 3633, the Digital Asset Market Clarity Act. H.R. 6425, the National Strategy for Combating Scams Act. H.R. 7215, the Stop SCAMS Act. S.1877/H.R.2441, the Improving Disclosure for Investors Act. H.R.2988, the Protecting Prudent Investment of Retirement Savings Act. S. 1699, Artificial Intelligence Public Awareness and Education Campaign Act. No bill number. Discussed accredited investor issues. No bill number. Discussed fiduciary obligations. No bill number. Discussed investor protections. No bill number. Discussed veterans and scams. No bill number. Discussed Social Security and crypto investments.

Client expense: $3,830,000 · Firm income: Not reported

S. 4144/H.R. 306, the Ending Scam Credit Repair Act (ESCRA) Act. S. 1467/H.R. 2808, the Homebuyers Privacy Protection Act. S. 3982/H.R. 7786, the AI Fraud Accountability Act. S. 1699, Artificial Intelligence Public Awareness and Education Campaign Act. S. 314/ H.R. 1479, the Hotel Fees Transparency Act. S. 3354 /H.R. 1027, the QUIET Act. S. 3774/H.R. 7548, SCAM Act. S. 281/ H.R. 1402, the TICKET Act. H.R. 6678, the Senior Legal Hotline Act. S. 2120, the Older Americans Act (OAA) Reauthorization Act. No bill number. Discussed veterans and scams.

Client expense: $3,830,000 · Firm income: Not reported

General issues related to consumer lending. H.R. 306/S. 4144-Ending Scam Credit Repair Act. General issues related to credit card.

Client expense: $240,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 654TABS Act H.R.1653Civil Investigative Demand Reform Act of 2025 H.R. 1652Rectifying UDAAP Act H.R.2183CFPB Dual Mandate and Economic Analysis Act H.R. 2331Transparency in CFPB Cost-Benefit Analysis Act H.R.306 and S. 4144 The Ending Scam Credit Repair (ESCRA) Act H.J.Res.74 and S. J. Res 36Medical Debt CRA Issues related to credit reporting Issues related to medical debt Issues related to the CFPB complaint database

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

Government targets: Consumer Financial Protection Bureau (CFPB), HOUSE OF REPRESENTATIVES, SENATE, Small Business Administration (SBA)

General issues related to consumer and small business lending, debt settlement, auto lending, and credit repair, including S.4144, the Ending Scam Credit Repair Act (ESCRA)

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

Traditional installment lending and Consumer Financial Protection Bureau related matters; 1) Ending Scam Credit Reporting Act (HB306, S4144) 2) CFPB Changes/Actions 3) Rate Caps on Traditional Installment Lending

Client expense: $45,000 · Firm income: Not reported

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