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 prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act.

Cryptocurrency, mobile payments, fraud, data security, data storage, open banking, regulatory reform, tax reporting, payments systems, cyber-security, financial services, merchant cash advances, privacy, the Federal Reserve and big data, CFPB prepaid products rule (Prepaid Accounts Under Direct Electronic Transfer Act {Regulation E} and the Truth in Lending Act), Federal Reserve Secure Payments Task Force, Marketplace lending, H.R. 10-Financial Choice Act of 2017, H.J. Res. 62/72-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 prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act, S.J.Res.19 - 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 prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act, H. R. 1801-To delay the effective date of the final rule of the Bureau of Consumer Financial Protection titled Prepaid Accounts under the Electronic Fund Transfer Act (Regulation E) and the Truth In Lending Act (Regulation Z)", S. 387-Consumer Financial Protection Bureau Accountability Act of 2017, S. 626-CFPB-IG Act of 2017. CFPB Governance Structure. H.J.Res. 111, Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Arbitration Agreements." S.J.Res. 47, A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Arbitration Agreements". H.R. 4439, Modernizing Credit Opportunities Act of 2017. H.R. 3299, Protecting Consumers' Access to Credit Act of 2017. S. 1642, Protecting Consumers' Access to Credit Act of 2017. H.R. 3354, Make America Secure & Prosperous Appropriations Act. H.R. 6743, Consumer Information Notification Requirement Act. H.R. 6850, Financial Reporting Threshold Modernization Act. "Potential Federal Reserve Actions To Support Interbank Settlement of Faster Payments, Request for Comments" (Docket # OP-1625). OCC ANPR "Reforming the Community Reinvestment Act Regulatory Framework" (Docket # OCC-2018- 0008). H.R. 1595, "SAFE Banking Act of 2019". FDIC Request for Information on Small-Dollar Lending (Docket No. RIN 3064-ZA04). S. 1200, Secure And Fair Enforcement Banking Act of 2019. H.R. 4813, Keep Big Tech Out of Finance Act. S. 2839, Eliminating Corporate Shadow Banking Act of 2019. S. 1951, Designing Accounting Safeguards To Help Broaden Oversight and Regulations on Data. H.R. 5574, "Preserving Small Business Lending Act of 2020." H.R. 6116, "Consumer Financial Protection Commission Act." S. 3548, "CARES Act." H.R. 6379, "Take Responsibility for Workers and Families Act." H.R. 748, "CARES Act." S. 3990, "Financial Product Safety Commission Act of 2020." H.R. 6886, "Paycheck Protection Program Flexibility Act of 2020." H.R. 710, "Paycheck Protection Program Flexibility Act of 2020." S.4116, "Bill to extend Paycheck Protection Program..." H.R. 8087, "Bill to extend Paycheck Protection Program..." H.R. 7777, "Paycheck Protection Small Business Forgiveness Act." H.R. 8265, "To amend the Small Business Act and the CARES Act to establish a program for second draw loans and make other modifications to the paycheck protection program and for other purposes..." S. 4614, "Postal Banking Act." H.R. 8406, "HEROS Act." H.R. 7889, "Small Business Lending Disclosure and Broker Regulation Act of 2020." OCC "True Lender." OCC "National Bank and Federal Savings Association Digital Activities." H.R. 8215, "Improving Digital Identity Act of 2020." U.S. House Committee on Financial Services' Task Force on Financial Technology and Task Force on Artificial Intelligence. S. 4999, "Emergency Direct Payments for Families and Workers Act of 2020." H.R. 8893, "Coronavirus Assistance for Americans Families Act." S. 4927, EIDL Forgiveness Act." H.R. 8827, "Stablecoin Classification and Regulation Act of 2020." S. 4800, "The Heroes Act." H.R. 8721, "Public Banking Act of 2020." S.J. Res 15, "True Lender." H.J. Res 35, "True Lender." H.R. 296, "Financial Technology Protection Act." H.R. 1602, "Eliminate Barriers to Innovation Act of 2021." H.R. 1996, "SAFE Banking Act of 2021." H.R. 2561, "Promoting Access to Capital in Underbanked Communities Act of 2021." H.R. 5045, "Blockchain Certainty Act." H.R. 4741, "Digital Asset Market Structure and Investor Protection Act."

Client expense: $410,000 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), Council of Economic Advisers (CEA), Federal Communications Commission (FCC), Federal Reserve System, Federal Trade Commission (FTC), Financial Crimes Enforcement Network (FinCEN), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Economic Council (NEC), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of, U.S. Trade Representative (USTR)

Mobile payments, fraud, data security, data storage, open banking, regulatory reform, tax reporting, payments systems, cyber-security, financial services, merchant cash advances, privacy, the Federal Reserve and big data, CFPB prepaid products rule (Prepaid Accounts Under Direct Electronic Transfer Act {Regulation E} and the Truth in Lending Act), Federal Reserve Secure Payments Task Force, Marketplace lending, H.R. 10-Financial Choice Act of 2017, H.J. Res. 62/72-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 prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act, S.J.Res.19 - 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 prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act, H. R. 1801-To delay the effective date of the final rule of the Bureau of Consumer Financial Protection titled Prepaid Accounts under the Electronic Fund Transfer Act (Regulation E) and the Truth In Lending Act (Regulation Z)", S. 387-Consumer Financial Protection Bureau Accountability Act of 2017, S. 626-CFPB-IG Act of 2017. CFPB Governance Structure. H.J.Res. 111, Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Arbitration Agreements." S.J.Res. 47, A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Arbitration Agreements". H.R. 4439, Modernizing Credit Opportunities Act of 2017. H.R. 3299, Protecting Consumers' Access to Credit Act of 2017. S. 1642, Protecting Consumers' Access to Credit Act of 2017. H.R. 3354, Make America Secure & Prosperous Appropriations Act. H.R. 6743, Consumer Information Notification Requirement Act. H.R. 6850, Financial Reporting Threshold Modernization Act. "Potential Federal Reserve Actions To Support Interbank Settlement of Faster Payments, Request for Comments" (Docket # OP-1625). OCC ANPR "Reforming the Community Reinvestment Act Regulatory Framework" (Docket # OCC-2018- 0008). H.R. 1595, "SAFE Banking Act of 2019". FDIC Request for Information on Small-Dollar Lending (Docket No. RIN 3064-ZA04). S. 1200, Secure And Fair Enforcement Banking Act of 2019. H.R. 4813, Keep Big Tech Out of Finance Act. S. 2839, Eliminating Corporate Shadow Banking Act of 2019. S. 1951, Designing Accounting Safeguards To Help Broaden Oversight and Regulations on Data. H.R. 5574, "Preserving Small Business Lending Act of 2020." H.R. 6116, "Consumer Financial Protection Commission Act." S. 3548, "CARES Act." H.R. 6379, "Take Responsibility for Workers and Families Act." H.R. 748, "CARES Act." S. 3990, "Financial Product Safety Commission Act of 2020." H.R. 6886, "Paycheck Protection Program Flexibility Act of 2020." H.R. 710, "Paycheck Protection Program Flexibility Act of 2020." S.4116, "Bill to extend Paycheck Protection Program..." H.R. 8087, "Bill to extend Paycheck Protection Program..." H.R. 7777, "Paycheck Protection Small Business Forgiveness Act." H.R. 8265, "To amend the Small Business Act and the CARES Act to establish a program for second draw loans and make other modifications to the paycheck protection program and for other purposes..." S. 4614, "Postal Banking Act." H.R. 8406, "HEROS Act." H.R. 7889, "Small Business Lending Disclosure and Broker Regulation Act of 2020." OCC "True Lender." OCC "National Bank and Federal Savings Association Digital Activities." H.R. 8215, "Improving Digital Identity Act of 2020." U.S. House Committee on Financial Services' Task Force on Financial Technology and Task Force on Artificial Intelligence. S. 4999, "Emergency Direct Payments for Families and Workers Act of 2020." H.R. 8893, "Coronavirus Assistance for Americans Families Act." S. 4927, EIDL Forgiveness Act." H.R. 8827, "Stablecoin Classification and Regulation Act of 2020." S. 4800, "The Heroes Act." H.R. 8721, "Public Banking Act of 2020." S.J. Res 15, "True Lender." H.J. Res 35, "True Lender." H.R. 296, "Financial Technology Protection Act." H.R. 1602, "Eliminate Barriers to Innovation Act of 2021." H.R. 1996, "SAFE Banking Act of 2021." H.R. 2561, "Promoting Access to Capital in Underbanked Communities Act of 2021." H.R. 5045, "Blockchain Certainty Act."

Client expense: $230,000 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), Council of Economic Advisers (CEA), Federal Communications Commission (FCC), Federal Reserve System, Federal Trade Commission (FTC), Financial Crimes Enforcement Network (FinCEN), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Economic Council (NEC), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of, U.S. Trade Representative (USTR)

Mobile payments, fraud, data security, data storage, open banking, regulatory reform, tax reporting, payments systems, cyber-security, financial services, merchant cash advances, privacy, the Federal Reserve and big data, CFPB prepaid products rule (Prepaid Accounts Under Direct Electronic Transfer Act {Regulation E} and the Truth in Lending Act), Federal Reserve Secure Payments Task Force, Marketplace lending, H.R. 10-Financial Choice Act of 2017, H.J. Res. 62/72-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 prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act, S.J.Res.19 - 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 prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act, H. R. 1801-To delay the effective date of the final rule of the Bureau of Consumer Financial Protection titled Prepaid Accounts under the Electronic Fund Transfer Act (Regulation E) and the Truth In Lending Act (Regulation Z)", S. 387-Consumer Financial Protection Bureau Accountability Act of 2017, S. 626-CFPB-IG Act of 2017. CFPB Governance Structure. H.J.Res. 111, Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Arbitration Agreements." S.J.Res. 47, A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Arbitration Agreements". H.R. 4439, Modernizing Credit Opportunities Act of 2017. H.R. 3299, Protecting Consumers' Access to Credit Act of 2017. S. 1642, Protecting Consumers' Access to Credit Act of 2017. H.R. 3354, Make America Secure & Prosperous Appropriations Act. H.R. 6743, Consumer Information Notification Requirement Act. H.R. 6850, Financial Reporting Threshold Modernization Act. "Potential Federal Reserve Actions To Support Interbank Settlement of Faster Payments, Request for Comments" (Docket # OP-1625). OCC ANPR "Reforming the Community Reinvestment Act Regulatory Framework" (Docket # OCC-2018- 0008). H.R. 1595, "SAFE Banking Act of 2019". FDIC Request for Information on Small-Dollar Lending (Docket No. RIN 3064-ZA04). S. 1200, Secure And Fair Enforcement Banking Act of 2019. H.R. 4813, Keep Big Tech Out of Finance Act. S. 2839, Eliminating Corporate Shadow Banking Act of 2019. S. 1951, Designing Accounting Safeguards To Help Broaden Oversight and Regulations on Data. H.R. 5574, "Preserving Small Business Lending Act of 2020." H.R. 6116, "Consumer Financial Protection Commission Act." S. 3548, "CARES Act." H.R. 6379, "Take Responsibility for Workers and Families Act." H.R. 748, "CARES Act." S. 3990, "Financial Product Safety Commission Act of 2020." H.R. 6886, "Paycheck Protection Program Flexibility Act of 2020." H.R. 710, "Paycheck Protection Program Flexibility Act of 2020." S.4116, "Bill to extend Paycheck Protection Program..." H.R. 8087, "Bill to extend Paycheck Protection Program..." H.R. 7777, "Paycheck Protection Small Business Forgiveness Act." H.R. 8265, "To amend the Small Business Act and the CARES Act to establish a program for second draw loans and make other modifications to the paycheck protection program and for other purposes..." S. 4614, "Postal Banking Act." H.R. 8406, "HEROS Act." H.R. 7889, "Small Business Lending Disclosure and Broker Regulation Act of 2020." OCC "True Lender." OCC "National Bank and Federal Savings Association Digital Activities." H.R. 8215, "Improving Digital Identity Act of 2020." U.S. House Committee on Financial Services' Task Force on Financial Technology and Task Force on Artificial Intelligence. S. 4999, "Emergency Direct Payments for Families and Workers Act of 2020." H.R. 8893, "Coronavirus Assistance for Americans Families Act." S. 4927, EIDL Forgiveness Act." H.R. 8827, "Stablecoin Classification and Regulation Act of 2020." S. 4800, "The Heroes Act." H.R. 8721, "Public Banking Act of 2020." S.J. Res 15, "True Lender." H.J. Res 35, "True Lender." H.R. 296, "Financial Technology Protection Act." H.R. 1602, "Eliminate Barriers to Innovation Act of 2021." H.R. 1996, "SAFE Banking Act of 2021." H.R. 2561, "Promoting Access to Capital in Underbanked Communities Act of 2021."

Client expense: $230,000 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), Council of Economic Advisers (CEA), Federal Communications Commission (FCC), Federal Reserve System, Federal Trade Commission (FTC), Financial Crimes Enforcement Network (FinCEN), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Economic Council (NEC), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of, U.S. Trade Representative (USTR)

Mobile payments, fraud, data security, data storage, open banking, regulatory reform, tax reporting, payments systems, cyber-security, financial services, merchant cash advances, privacy, the Federal Reserve and big data, CFPB prepaid products rule (Prepaid Accounts Under Direct Electronic Transfer Act {Regulation E} and the Truth in Lending Act), Federal Reserve Secure Payments Task Force, Marketplace lending, H.R. 10-Financial Choice Act of 2017, H.J. Res. 62/72-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 prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act, S.J.Res.19 - 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 prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act, H. R. 1801-To delay the effective date of the final rule of the Bureau of Consumer Financial Protection titled Prepaid Accounts under the Electronic Fund Transfer Act (Regulation E) and the Truth In Lending Act (Regulation Z)", S. 387-Consumer Financial Protection Bureau Accountability Act of 2017, S. 626-CFPB-IG Act of 2017. CFPB Governance Structure. H.J.Res. 111, Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Arbitration Agreements." S.J.Res. 47, A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Arbitration Agreements". H.R. 4439, Modernizing Credit Opportunities Act of 2017. H.R. 3299, Protecting Consumers' Access to Credit Act of 2017. S. 1642, Protecting Consumers' Access to Credit Act of 2017. H.R. 3354, Make America Secure & Prosperous Appropriations Act. H.R. 6743, Consumer Information Notification Requirement Act. H.R. 6850, Financial Reporting Threshold Modernization Act. "Potential Federal Reserve Actions To Support Interbank Settlement of Faster Payments, Request for Comments" (Docket # OP-1625). OCC ANPR "Reforming the Community Reinvestment Act Regulatory Framework" (Docket # OCC-2018- 0008). H.R. 1595, "SAFE Banking Act of 2019". FDIC Request for Information on Small-Dollar Lending (Docket No. RIN 3064-ZA04). S. 1200, Secure And Fair Enforcement Banking Act of 2019. H.R. 4813, Keep Big Tech Out of Finance Act. S. 2839, Eliminating Corporate Shadow Banking Act of 2019. S. 1951, Designing Accounting Safeguards To Help Broaden Oversight and Regulations on Data. H.R. 5574, "Preserving Small Business Lending Act of 2020." H.R. 6116, "Consumer Financial Protection Commission Act." S. 3548, "CARES Act." H.R. 6379, "Take Responsibility for Workers and Families Act." H.R. 748, "CARES Act." S. 3990, "Financial Product Safety Commission Act of 2020." H.R. 6886, "Paycheck Protection Program Flexibility Act of 2020." H.R. 710, "Paycheck Protection Program Flexibility Act of 2020." S.4116, "Bill to extend Paycheck Protection Program..." H.R. 8087, "Bill to extend Paycheck Protection Program..." H.R. 7777, "Paycheck Protection Small Business Forgiveness Act." H.R. 8265, "To amend the Small Business Act and the CARES Act to establish a program for second draw loans and make other modifications to the paycheck protection program and for other purposes..." S. 4614, "Postal Banking Act." H.R. 8406, "HEROS Act." H.R. 7889, "Small Business Lending Disclosure and Broker Regulation Act of 2020." OCC "True Lender." OCC "National Bank and Federal Savings Association Digital Activities." H.R. 8215, "Improving Digital Identity Act of 2020." U.S. House Committee on Financial Services' Task Force on Financial Technology and Task Force on Artificial Intelligence. S. 4999, "Emergency Direct Payments for Families and Workers Act of 2020." H.R. 8893, "Coronavirus Assistance for Americans Families Act." S. 4927, EIDL Forgiveness Act." H.R. 8827, "Stablecoin Classification and Regulation Act of 2020." S. 4800, "The Heroes Act." H.R. 8721, "Public Banking Act of 2020." S.J. Res 15, "True Lender." H.J. Res 35, "True Lender." H.R. 296, "Financial Technology Protection Act." H.R. 1602, "Eliminate Barriers to Innovation Act of 2021." H.R. 1996, "SAFE Banking Act of 2021."

Client expense: $230,000 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), Council of Economic Advisers (CEA), Federal Communications Commission (FCC), Federal Reserve System, Federal Trade Commission (FTC), Financial Crimes Enforcement Network (FinCEN), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Economic Council (NEC), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of, U.S. Trade Representative (USTR)

Mobile payments, fraud, data security, data storage, open banking, regulatory reform, tax reporting, payments systems, cyber-security, financial services, merchant cash advances, privacy, the Federal Reserve and big data, CFPB prepaid products rule (Prepaid Accounts Under Direct Electronic Transfer Act {Regulation E} and the Truth in Lending Act), Federal Reserve Secure Payments Task Force, Marketplace lending, H.R. 10-Financial Choice Act of 2017, H.J. Res. 62/72-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 prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act, S.J.Res.19 - 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 prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act, H. R. 1801-To delay the effective date of the final rule of the Bureau of Consumer Financial Protection titled Prepaid Accounts under the Electronic Fund Transfer Act (Regulation E) and the Truth In Lending Act (Regulation Z)", S. 387-Consumer Financial Protection Bureau Accountability Act of 2017, S. 626-CFPB-IG Act of 2017. CFPB Governance Structure. H.J.Res. 111, Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Arbitration Agreements." S.J.Res. 47, A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Arbitration Agreements". H.R. 4439, Modernizing Credit Opportunities Act of 2017. H.R. 3299, Protecting Consumers' Access to Credit Act of 2017. S. 1642, Protecting Consumers' Access to Credit Act of 2017. H.R. 3354, Make America Secure & Prosperous Appropriations Act. H.R. 6743, Consumer Information Notification Requirement Act. H.R. 6850, Financial Reporting Threshold Modernization Act. "Potential Federal Reserve Actions To Support Interbank Settlement of Faster Payments, Request for Comments" (Docket # OP-1625). OCC ANPR "Reforming the Community Reinvestment Act Regulatory Framework" (Docket # OCC-2018-0008). H.R. 1595, "SAFE Banking Act of 2019". FDIC Request for Information on Small-Dollar Lending (Docket No. RIN 3064-ZA04). S. 1200, Secure And Fair Enforcement Banking Act of 2019. H.R. 4813, Keep Big Tech Out of Finance Act. S. 2839, Eliminating Corporate Shadow Banking Act of 2019. S. 1951, Designing Accounting Safeguards To Help Broaden Oversight and Regulations on Data. H.R. 5574, "Preserving Small Business Lending Act of 2020." H.R. 6116, "Consumer Financial Protection Commission Act." S. 3548, "CARES Act." H.R. 6379, "Take Responsibility for Workers and Families Act." H.R. 748, "CARES Act." S. 3990, "Financial Product Safety Commission Act of 2020." H.R. 6886, "Paycheck Protection Program Flexibility Act of 2020." H.R. 710, "Paycheck Protection Program Flexibility Act of 2020." S.4116, "Bill to extend Paycheck Protection Program..." H.R. 8087, "Bill to extend Paycheck Protection Program..." H.R. 7777, "Paycheck Protection Small Business Forgiveness Act." H.R. 8265, "To amend the Small Business Act and the CARES Act to establish a program for second draw loans and make other modifications to the paycheck protection program and for other purposes..." S. 4614, "Postal Banking Act." H.R. 8406, "HEROS Act." H.R. 7889, "Small Business Lending Disclosure and Broker Regulation Act of 2020." OCC "True Lender." OCC "National Bank and Federal Savings Association Digital Activities." H.R. 8215, "Improving Digital Identity Act of 2020." U.S. House Committee on Financial Services' Task Force on Financial Technology and Task Force on Artificial Intelligence. S. 4999, "Emergency Direct Payments for Families and Workers Act of 2020." H.R. 8893, "Coronavirus Assistance for Americans Families Act." S. 4927, EIDL Forgiveness Act." H.R. 8827, "Stablecoin Classification and Regulation Act of 2020." S. 4800, "The Heroes Act." H.R. 8721, "Public Banking Act of 2020."

Client expense: $230,000 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), Council of Economic Advisers (CEA), Federal Communications Commission (FCC), Federal Reserve System, Federal Trade Commission (FTC), Financial Crimes Enforcement Network (FinCEN), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Economic Council (NEC), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of, U.S. Trade Representative (USTR)

Mobile payments, fraud, data security, data storage, open banking, regulatory reform, tax reporting, payments systems, cyber-security, financial services, merchant cash advances, privacy, the Federal Reserve and big data, CFPB prepaid products rule (Prepaid Accounts Under Direct Electronic Transfer Act {Regulation E} and the Truth in Lending Act), Federal Reserve Secure Payments Task Force, Marketplace lending, H.R. 10-Financial Choice Act of 2017, H.J. Res. 62/72-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 prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act, S.J.Res.19 - 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 prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act, H. R. 1801-To delay the effective date of the final rule of the Bureau of Consumer Financial Protection titled Prepaid Accounts under the Electronic Fund Transfer Act (Regulation E) and the Truth In Lending Act (Regulation Z)", S. 387-Consumer Financial Protection Bureau Accountability Act of 2017, S. 626-CFPB-IG Act of 2017. CFPB Governance Structure. H.J.Res. 111, Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Arbitration Agreements." S.J.Res. 47, A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Arbitration Agreements". H.R. 4439, Modernizing Credit Opportunities Act of 2017. H.R. 3299, Protecting Consumers' Access to Credit Act of 2017. S. 1642, Protecting Consumers' Access to Credit Act of 2017. H.R. 3354, Make America Secure & Prosperous Appropriations Act. H.R. 6743, Consumer Information Notification Requirement Act. H.R. 6850, Financial Reporting Threshold Modernization Act. "Potential Federal Reserve Actions To Support Interbank Settlement of Faster Payments, Request for Comments" (Docket # OP-1625). OCC ANPR "Reforming the Community Reinvestment Act Regulatory Framework" (Docket # OCC-2018-0008). H.R. 1595, "SAFE Banking Act of 2019". FDIC Request for Information on Small-Dollar Lending (Docket No. RIN 3064-ZA04). S. 1200, Secure And Fair Enforcement Banking Act of 2019. H.R. 4813, Keep Big Tech Out of Finance Act. S. 2839, Eliminating Corporate Shadow Banking Act of 2019. S. 1951, Designing Accounting Safeguards To Help Broaden Oversight and Regulations on Data. H.R. 5574, "Preserving Small Business Lending Act of 2020." H.R. 6116, "Consumer Financial Protection Commission Act." S. 3548, "CARES Act." H.R. 6379, "Take Responsibility for Workers and Families Act." H.R. 748, "CARES Act." S. 3990, "Financial Product Safety Commission Act of 2020." H.R. 6886, "Paycheck Protection Program Flexibility Act of 2020." H.R. 710, "Paycheck Protection Program Flexibility Act of 2020." S.4116, "Bill to extend Paycheck Protection Program..." H.R. 8087, "Bill to extend Paycheck Protection Program..." H.R. 7777, "Paycheck Protection Small Business Forgiveness Act." H.R. 8265, "To amend the Small Business Act and the CARES Act to establish a program for second draw loans and make other modifications to the paycheck protection program and for other purposes..." S. 4614, "Postal Banking Act." H.R. 8406, "HEROS Act." H.R. 7889, "Small Business Lending Disclosure and Broker Regulation Act of 2020." OCC "True Lender." OCC "National Bank and Federal Savings Association Digital Activities." H.R. 8215, "Improving Digital Identity Act of 2020." U.S. House Committee on Financial Services' Task Force on Financial Technology and Task Force on Artificial Intelligence.

Client expense: $280,000 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), Council of Economic Advisers (CEA), Federal Communications Commission (FCC), Federal Reserve System, Federal Trade Commission (FTC), Financial Crimes Enforcement Network (FinCEN), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Economic Council (NEC), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of, U.S. Trade Representative (USTR)

Mobile payments, fraud, data security, data storage, open banking, regulatory reform, tax reporting, payments systems, cyber-security, financial services, merchant cash advances, privacy, the Federal Reserve and big data, CFPB prepaid products rule (Prepaid Accounts Under Direct Electronic Transfer Act {Regulation E} and the Truth in Lending Act), Federal Reserve Secure Payments Task Force, Marketplace lending, H.R. 10-Financial Choice Act of 2017, H.J. Res. 62/72-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 prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act, S.J.Res.19 - 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 prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act, H. R. 1801-To delay the effective date of the final rule of the Bureau of Consumer Financial Protection titled Prepaid Accounts under the Electronic Fund Transfer Act (Regulation E) and the Truth In Lending Act (Regulation Z)", S. 387-Consumer Financial Protection Bureau Accountability Act of 2017, S. 626-CFPB-IG Act of 2017. CFPB Governance Structure. H.J.Res. 111, Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Arbitration Agreements." S.J.Res. 47, A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Arbitration Agreements". H.R. 4439, Modernizing Credit Opportunities Act of 2017. H.R. 3299, Protecting Consumers' Access to Credit Act of 2017. S. 1642, Protecting Consumers' Access to Credit Act of 2017. H.R. 3354, Make America Secure & Prosperous Appropriations Act. H.R. 6743, Consumer Information Notification Requirement Act. H.R. 6850, Financial Reporting Threshold Modernization Act. "Potential Federal Reserve Actions To Support Interbank Settlement of Faster Payments, Request for Comments" (Docket # OP-1625). OCC ANPR "Reforming the Community Reinvestment Act Regulatory Framework" (Docket # OCC-2018-0008). H.R. 1595, "SAFE Banking Act of 2019". FDIC Request for Information on Small-Dollar Lending (Docket No. RIN 3064-ZA04). S. 1200, Secure And Fair Enforcement Banking Act of 2019. H.R. 4813, Keep Big Tech Out of Finance Act. S. 2839, Eliminating Corporate Shadow Banking Act of 2019. S. 1951, Designing Accounting Safeguards To Help Broaden Oversight and Regulations on Data. H.R. 5574, "Preserving Small Business Lending Act of 2020." H.R. 6116, "Consumer Financial Protection Commission Act." S. 3548, "CARES Act." H.R. 6379, "Take Responsibility for Workers and Families Act." H.R. 748, "CARES Act." S. 3990, "Financial Product Safety Commission Act of 2020." H.R. 6886, "Paycheck Protection Program Flexibility Act of 2020." H.R. 710, "Paycheck Protection Program Flexibility Act of 2020." S.4116, "Bill to extend Paycheck Protection Program...: U.S. House Committee on Financial Services' Task Force on Financial Technology and Task Force on Artificial Intelligence.

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

Government targets: Consumer Financial Protection Bureau (CFPB), Council of Economic Advisers (CEA), Federal Communications Commission (FCC), Federal Reserve System, Federal Trade Commission (FTC), Financial Crimes Enforcement Network (FinCEN), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Economic Council (NEC), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of, U.S. Trade Representative (USTR)

Mobile payments, fraud, data security, data storage, open banking, regulatory reform, tax reporting, payments systems, cyber-security, financial services, merchant cash advances, privacy, the Federal Reserve and big data, CFPB prepaid products rule (Prepaid Accounts Under Direct Electronic Transfer Act {Regulation E} and the Truth in Lending Act), Federal Reserve Secure Payments Task Force, Marketplace lending, H.R. 10-Financial Choice Act of 2017, H.J. Res. 62/72-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 prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act, S.J.Res.19 - 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 prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act, H. R. 1801-To delay the effective date of the final rule of the Bureau of Consumer Financial Protection titled Prepaid Accounts under the Electronic Fund Transfer Act (Regulation E) and the Truth In Lending Act (Regulation Z)", S. 387-Consumer Financial Protection Bureau Accountability Act of 2017, S. 626-CFPB-IG Act of 2017. CFPB Governance Structure. H.J.Res. 111, Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Arbitration Agreements." S.J.Res. 47, A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Arbitration Agreements". H.R. 4439, Modernizing Credit Opportunities Act of 2017. H.R. 3299, Protecting Consumers' Access to Credit Act of 2017. S. 1642, Protecting Consumers' Access to Credit Act of 2017. H.R. 3354, Make America Secure & Prosperous Appropriations Act. H.R. 6743, Consumer Information Notification Requirement Act. H.R. 6850, Financial Reporting Threshold Modernization Act. "Potential Federal Reserve Actions To Support Interbank Settlement of Faster Payments, Request for Comments" (Docket # OP-1625). OCC ANPR "Reforming the Community Reinvestment Act Regulatory Framework" (Docket # OCC-2018-0008). H.R. 1595, "SAFE Banking Act of 2019". FDIC Request for Information on Small-Dollar Lending (Docket No. RIN 3064-ZA04). S. 1200, Secure And Fair Enforcement Banking Act of 2019. H.R. 4813, Keep Big Tech Out of Finance Act. S. 2839, Eliminating Corporate Shadow Banking Act of 2019. S. 1951, Designing Accounting Safeguards To Help Broaden Oversight and Regulations on Data. H.R. 5574, "Preserving Small Business Lending Act of 2020." H.R. 6116, "Consumer Financial Protection Commission Act." S. 3548, "CARES Act." H.R. 6379, "Take Responsibility for Workers and Families Act." H.R. 748, "CARES Act." U.S. House Committee on Financial Services' Task Force on Financial Technology and Task Force on Artificial Intelligence.

Client expense: $310,000 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), Council of Economic Advisers (CEA), Federal Communications Commission (FCC), Federal Reserve System, Federal Trade Commission (FTC), Financial Crimes Enforcement Network (FinCEN), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Economic Council (NEC), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of, U.S. Trade Representative (USTR)

Mobile payments, fraud, data security, data storage, open banking, regulatory reform, tax reporting, payments systems, cyber-security, financial services, merchant cash advances, privacy, the Federal Reserve and big data, CFPB prepaid products rule (Prepaid Accounts Under Direct Electronic Transfer Act {Regulation E} and the Truth in Lending Act), Federal Reserve Secure Payments Task Force, Marketplace lending, H.R. 10-Financial Choice Act of 2017, H.J. Res. 62/72-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 prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act, S.J.Res.19 - 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 prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act, H. R. 1801-To delay the effective date of the final rule of the Bureau of Consumer Financial Protection titled Prepaid Accounts under the Electronic Fund Transfer Act (Regulation E) and the Truth In Lending Act (Regulation Z)", S. 387-Consumer Financial Protection Bureau Accountability Act of 2017, S. 626-CFPB-IG Act of 2017. CFPB Governance Structure. H.J.Res. 111, Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Arbitration Agreements." S.J.Res. 47, A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Arbitration Agreements". H.R. 4439, Modernizing Credit Opportunities Act of 2017. H.R. 3299, Protecting Consumers' Access to Credit Act of 2017. S. 1642, Protecting Consumers' Access to Credit Act of 2017. H.R. 3354, Make America Secure & Prosperous Appropriations Act. H.R. 6743, Consumer Information Notification Requirement Act. H.R. 6850, Financial Reporting Threshold Modernization Act. "Potential Federal Reserve Actions To Support Interbank Settlement of Faster Payments, Request for Comments" (Docket # OP-1625). OCC ANPR "Reforming the Community Reinvestment Act Regulatory Framework" (Docket # OCC-2018-0008). H.R. 1595, "SAFE Banking Act of 2019". FDIC Request for Information on Small-Dollar Lending (Docket No. RIN 3064-ZA04). S. 1200, Secure And Fair Enforcement Banking Act of 2019. H.R. 4813, Keep Big Tech Out of Finance Act. S. 2839, Eliminating Corporate Shadow Banking Act of 2019. S. 1951, Designing Accounting Safeguards To Help Broaden Oversight and Regulations on Data. U.S. House Committee on Financial Services' Task Force on Financial Technology and Task Force on Artificial Intelligence.

Client expense: $330,000 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), Council of Economic Advisers (CEA), Federal Communications Commission (FCC), Federal Reserve System, Federal Trade Commission (FTC), Financial Crimes Enforcement Network (FinCEN), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Economic Council (NEC), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of, U.S. Trade Representative (USTR)

Mobile payments, fraud, data security, data storage, open banking, regulatory reform, tax reporting, payments systems, cyber-security, financial services, merchant cash advances, privacy, the Federal Reserve and big data, CFPB prepaid products rule (Prepaid Accounts Under Direct Electronic Transfer Act {Regulation E} and the Truth in Lending Act), Federal Reserve Secure Payments Task Force, Marketplace lending, H.R. 10-Financial Choice Act of 2017, H.J. Res. 62/72-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 prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act, S.J.Res.19 - 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 prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act, H. R. 1801-To delay the effective date of the final rule of the Bureau of Consumer Financial Protection titled Prepaid Accounts under the Electronic Fund Transfer Act (Regulation E) and the Truth In Lending Act (Regulation Z)", S. 387-Consumer Financial Protection Bureau Accountability Act of 2017, S. 626-CFPB-IG Act of 2017. CFPB Governance Structure. H.J.Res. 111, Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Arbitration Agreements." S.J.Res. 47, A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Arbitration Agreements". H.R. 4439, Modernizing Credit Opportunities Act of 2017. H.R. 3299, Protecting Consumers' Access to Credit Act of 2017. S. 1642, Protecting Consumers' Access to Credit Act of 2017. H.R. 3354, Make America Secure & Prosperous Appropriations Act. H.R. 6743, Consumer Information Notification Requirement Act. H.R. 6850, Financial Reporting Threshold Modernization Act. "Potential Federal Reserve Actions To Support Interbank Settlement of Faster Payments, Request for Comments" (Docket # OP-1625). OCC ANPR "Reforming the Community Reinvestment Act Regulatory Framework" (Docket # OCC-2018-0008). H.R. 1595, "SAFE Banking Act of 2019". FDIC Request for Information on Small-Dollar Lending (Docket No. RIN 3064-ZA04). S. 1200, Secure And Fair Enforcement Banking Act of 2019. U.S. House Committee on Financial Services' Task Force on Financial Technology and Task Force on Artificial Intelligence.

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

Government targets: Consumer Financial Protection Bureau (CFPB), Council of Economic Advisers (CEA), Federal Communications Commission (FCC), Federal Reserve System, Federal Trade Commission (FTC), Financial Crimes Enforcement Network (FinCEN), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Economic Council (NEC), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of, U.S. Trade Representative (USTR)

Mobile payments, fraud, data security, data storage, open banking, regulatory reform, tax reporting, payments systems, cyber-security, financial services, merchant cash advances, privacy, the Federal Reserve and big data, CFPB prepaid products rule (Prepaid Accounts Under Direct Electronic Transfer Act {Regulation E} and the Truth in Lending Act), Federal Reserve Secure Payments Task Force, Marketplace lending, H.R. 10-Financial Choice Act of 2017, H.J. Res. 62/72-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 prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act, S.J.Res.19 - 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 prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act, H. R. 1801-To delay the effective date of the final rule of the Bureau of Consumer Financial Protection titled Prepaid Accounts under the Electronic Fund Transfer Act (Regulation E) and the Truth In Lending Act (Regulation Z)", S. 387-Consumer Financial Protection Bureau Accountability Act of 2017, S. 626-CFPB-IG Act of 2017. CFPB Governance Structure. H.J.Res. 111, Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Arbitration Agreements." S.J.Res. 47, A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Arbitration Agreements". H.R. 4439, Modernizing Credit Opportunities Act of 2017. H.R. 3299, Protecting Consumers' Access to Credit Act of 2017. S. 1642, Protecting Consumers' Access to Credit Act of 2017. H.R. 3354, Make America Secure & Prosperous Appropriations Act. H.R. 6743, Consumer Information Notification Requirement Act. H.R. 6850, Financial Reporting Threshold Modernization Act. "Potential Federal Reserve Actions To Support Interbank Settlement of Faster Payments, Request for Comments" (Docket # OP-1625). OCC ANPR "Reforming the Community Reinvestment Act Regulatory Framework" (Docket # OCC-2018-0008). H.R. 1595, "SAFE Banking Act of 2019". FDIC Request for Information on Small-Dollar Lending (Docket No. RIN 3064-ZA04). S. 1200, Secure And Fair Enforcement Banking Act of 2019. U.S. House Committee on Financial Services' Task Force on Financial Technology and Task Force on Artificial Intelligence.

Client expense: $330,000 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), Council of Economic Advisers (CEA), Federal Communications Commission (FCC), Federal Reserve System, Federal Trade Commission (FTC), Financial Crimes Enforcement Network (FinCEN), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Economic Council (NEC), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of, U.S. Trade Representative (USTR)

S. 708 Regulatory Improvement Act (Establishes in the legislative branch the Regulatory Improvement Commission.) S.774 Financial Institutions Examination Fairness and Reform Act (Amends the Federal Financial Institutions Examination Council Act of 1978 to require a federal financial institutions regulatory agency to make a final examination report to a financial institution within 60 days of the later of: (1) the exit interview for an examination of the institution, or (2) the provision of additional information by the institution relating to the examination.) S. 1484 Financial Regulatory Improvement Act of 2015 (This bill amends the Gramm-Leach-Bliley Act to exempt from the requirement to provide consumers with an annual written disclosure of their privacy policy certain financial institutions that provide nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution.) S.1491 Community Lender Regulatory Relief and Consumer Protection Act of 2015 (Bill amends the Truth in Lending Act, Gramm0Leach Bliley Act, FDI Act, FHLB Act, and the Securities Exchange Act)S.1607 the Independent Agency Regulatory Analysis Act of 2015 (A bill to affirm the authority of the President to require independent regulatory agencies to comply with regulatory analysis requirements applicable to executive agencies, and for other purposes.)S. 1647 Developing a Reliable and Innovative Vision for the Economy Act (To amend title 23, United States Code, to authorize funds for Federal-aid highways and highway safety construction programs, and for other purposes.) S. 1773 Consumer Reporting Fairness Act of 2015 (To amend title 11, United States Code, to require creditors to inform consumer reporting agencies that certain debts discharged in bankruptcy cases.)S. 1818 Principled Rulemaking Act (This bill revises the federal agency rulemaking process to require a agencies to promulgate only rules (defined to exclude agency actions involving a military or foreign affairs function of the United States or a matter relating to agency management or personnel or to public property, loans, grants, benefits, or contracts) that are required by law, necessary to interpret a law, or made necessary by public need, to protect or improve the health and safety of the public, the environment, or the wellbeing of the people of the United States.)S. 1820 Early Participation in Regulations Act (he bill directs an agency, not later than 90 days before publishing a notice of proposed rule making for a major rule in the Federal Register, to publish advance notice of proposed rule making S. 1817 Smarter Regulations Through Advance Planning and Review Act ( This bill requires a federal agency, when publishing a proposed major rule and when publishing a final major rule, to include a framework for assessing the rule)S. 1958 Christopher Bryski Student Loan Protection Act (To establish additional protections and disclosures for students and co-signers with respect to student loans) S. 2038 Jumpstart GSE reform Act (prohibits the use of an increase in the guarantee fee required to be charged by the Federal National Mortgage Association (Fannie Mae), the Federal Home Loan Mortgage Corporation (Freddie Mac), or any affiliate of such organizations (enterprises) to offset increase in outlays or a reduction in revenues for purposes other than those related to enterprises' business functions) S. 2663 Reforming CFPB Indirect Auto Financing Guidance Act (This bill declares without force or effect Consumer Financial Protection Bureau (CFPB) Bulletin 2013-02 (Indirect Auto Lending and Compliance with the Equal Credit Opportunity Act), published March 21, 2013.) S.J. Res. 19 - A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of rule submitted by Bureau of Consumer Financial Protection on prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act. (CRA) S. 552: Justice for Victims of Fraud Act (This bill amends the Truth in Lending Act and the Electronic Fund Transfer Act to prohibit predispute arbitration agreements with consumers (i.e., agreements to arbitrate any future disputes between parties instead of pursuing the claims in court) from being valid or enforceable in disputes related to credit card accounts or personal bank accounts that are not subject to a final judgment by a court if credit card or bank account was not issued in response to a request or application for that account.) S. 537: Arbitration Fairness Act (This bill prohibits a predispute arbitration agreement from being valid or enforceable if requires arbitration of aemployment, consumer, antitrust, or civil rights dispute.) S.550: Restoring Statutory Rights and Interests of the States Act (This bill amends the Federal Arbitration Act to invalidate arbitration agreements between parties in certain commercial contracts or transactions if they require arbitration of a claim for damages or injunctive relief brought by an individual or small business arising from the alleged violation of a federal or state statute, the U.S. Constitution, or a state constitution, unless the written agreement to arbitrate is entered into by both parties after the claim has arisen and pertains solely to an existing claim.)S.553: Court Legal Access and Student Support (CLASS) Act (This bill makes procedures for the enforcement of arbitration agreements inapplicable to enrollment agreement between student and an institution of higher education (IHE).) S. 647: Mandatory Arbitration Transparency Act (This bill prohibits predispute arbitration agreements from containing a confidentiality clause regarding an employment, consumer, or civil rights dispute that could be interpreted to prohibit a party from: (1) making a communication in a manner such that prohibition would violate a whistle-blower statute; or (2) reporting or making communication about tortious conduct, unlawful conduct, or issues of public policy or public concern. )S. 646: Justice for Servicemembers Act (This bill authorizes the Department of Justice (DOJ) to initiate an action for relief in a service member's employment or reemployment rights action: (1) a private or state employer, or (2) a state or private employer that is engaged in a pattern or practice to infringe upon such rights.) S.867 - PROTECT Students Act of 2019 ; To protect students of institutions of higher education and taxpayer investment in institutions of higher education by improving oversight and accountability of institutions of higher education, particularly for-profit colleges, improving protections for students and borrowers, and ensuring the integrity of postsecondary education programs, and for other purposesS.951 - Regulatory Accountability Act of 2017 (This bill codifies and revises notice-and-comment rulemaking procedures to require federal agencies to consider: (1) whether a rulemaking is required by statute or is within the discretion of the agency, (2) whether existing federal laws or rules could be amended or rescinded to address the problem, and (3) reasonable alternatives for a new rule.) S.1642, Protecting Consumers Access to Credit Act of 2017 (This bill amends the Revised Statutes, the Home Owners' Loan Act, the Federal Credit Union Act, and the Federal Deposit Insurance Act to state that bank loans that are valid when made as to their maximum rate of interest in accordance with federal law shall remain valid with respect to that rate regardless of whether a bank has subsequently sold or assigned the loan to a third party. S.J.Res.47 - A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of rule submitted by Bureau of Consumer Financial Protection on "Arbitration Agreements" S.1659, the Protecting Consumers from Unreasonable Credit Rates Act (This bill amends the Truth in Lending Act to prohibit a creditor from extending credit to a consumer under an open end consumer credit plan (credit card) for which the fee and interest rate exceeds 36%.) S.2155, Economic Growth, Regulatory Relief, and Consumer Protection Act (bill aimed at rolling back financial regulations concerning banks other financial institutions) S.J.Res57 A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Indirect Auto Lending and Compliance with the Equal Credit Opportunity Act"H.R. 4, makes revisions to Federal law to improve the conditions necessary for economic growth and job creation, and for other purposes.H.R. 37, makes technical corrections to the Dodd-Frank Wall Street Reform and Consumer Protection Act, to enhance the ability of small and emerging growth companies to access capital through public and private markets, to reduce regulatory burdens, and for other purposes.H.R. 50, provides for additional safeguards with respect to imposing Federal mandates, other purposes. H.R113, improves the accountability and transparency of the Board of Governors of the Federal Reserve System, and for other purposes. H.R185, reforms the process by which Federal agencies analyze and formulate new regulations and guidance documents. H.R.347, amends the Credit Repair Organizations Act to exempt certain consumer reporting agencies, and for other purposes.H.R. 367, amends chapter 8 of title 5, United States Code, to provide that major rules of the executive branch shall have no force or effect unless a joint resolution of approval is enacted into law.H.R. 427, amends chapter 8 of title 5, United States Code, to provide that major rules of the executive branch shall have no force or effect unless a joint resolution of approval is enacted into law.H.R. 527, amends chapter 6 of title 5, United States Code (Regulatory Flexibility Act), to ensure complete analysis of potential impacts on small entities of rules, and for other purposes.H.R. 650, amends the Truth in Lending Act to modify the definitions of a mortgage originator and a high-cost mortgage.H.R.685, amends the Truth in Lending Act to improve upon the definitions provided for points and fees in connection with a mortgage transaction.H.R.766, provides requirements for the appropriate Federal banking agencies when requesting or ordering a depository institution to terminate a specific customer account, to provide for additional requirements related to subpoenas issued under the Financial Institutions Reform, Recovery, and Enforcement Act of 1989, and for other purposes.H.R. 899, provides for additional safeguards with respect to imposing Federal mandates, other purposes.H.R. 957, requires Senate confirmation of Inspector General of the Bureau of Consumer Financial Protection, and for other purposes.H.R. 1090, amends the Securities Exchange Act of 1934 to provide protections for retail customers, and for other purposes.H.R. 1195, amends the Consumer Financial Protection Act of 2010 to establish advisory boards, and for other purposesH.R. 1210, amends the Truth in Lending Act to provide a safe harbor from certain requirements related to qualified mortgages for residential mortgage loans held on an originating depository institution's portfolio, and for other purposes.H.R. 1259, provides for an application process for interested parties to apply for an area to be designated as a rural area, and for other purposes.H.R. 1261, amends the Consumer Financial Protection Act of 2010 to bring the Bureau of Consumer Financial Protection into the regular appropriations process,H.R1264, provides an exemption from rules and regulations of the Bureau of Consumer Financial protection for community financial institutions, H.R.1265, applies the requirements of the Federal Advisory Committee Act to the Bureau of Consumer Financial Protection.H.R.1266, amends the Consumer Financial Protection Act of 2010 to make the Bureau of Consumer Financial Protection an independent Financial Product Safety Commission, other purposes.H.R. 1413, terminates Operation Choke Point.H.R.1493, imposes certain limitations on consent decrees and settlement agreements by agencies that require the agencies to take regulatory action in accordance with the terms thereof, and for other purposes.H.R.1529, amends the Truth in Lending Act and the Real Estate Settlement Procedures Act of 1974 to modify the requirements for community financial institutions with respect to certain rules relating to mortgage loans, and for other purposes. H.R.1553 amends the Federal Deposit Insurance Act to specify which smaller institutions may qualify for an 18-month examination cycle. H.R.1660, amends the Home Owners' Loan Act to allow Federal savings associations to elect to operate as national banks, H.R. 1737, nullifies certain guidance of the Bureau of Consumer Financial Protection and to provide requirements for guidance issued by the Bureau with respect to indirect auto lending. H.R1799, amends the Real Estate Settlement Procedures Act of 1974 to prohibit certain financial benefits for referrals of business and to improve the judicial relief for certain violations, other purposes. H.R. 1941, improves the examination of depository institutions, other purposes. H.R.2213, provides for a temporary safe harbor from the enforcement of integrated disclosure requirements for mortgage loan transactions under the Real Estate Settlement Procedures Act of 1974 and the Truth in Lending Act, H.R. 2243 suspends the current compensation packages for the senior executives of Fannie Mae and Freddie Mac and establish compensation for such positions in accordance with rates of pay for senior employees in the Executive Branch of the Federal Government, other purposes. H.R. 2354, directs Securities and Exchange Commission to review all its significant regulations to determine such regulations are necessary in the public interest or whether such regulations should be amended or rescinded. H.R.4294, amends the Internal Revenue Code of 1986 to ensure that retirement investors receive advice in their best interests, other purposes. H.R. 2542 amends chapter 6 of title 5, United States Code (commonly known as the Regulatory Flexibility Act), to ensure colete analysis of potential impacts on small entities of rules H.R.2683, amends the Fair Credit Reporting Act to delay the inclusion in consumer credit reports and to establish requirements for debt collectors with respect to medical debt information of veterans due to inappropriate or delayed billing payments or reimbursements from the Department of Veterans Affairs, and for other purposes.H.R. 2577, makes appropriations for the Departments of Transportation, and Housing and Urban Development, and related agencies for the fiscal year ending September 30, 2016, and for other purposes.H.R. 2804, amends title 5, United States Code, to require the Administrator of the Office of Information and Regulatory Affairs to publish information about rules on the Internet other purposes. H.R. 3035, amends the Fair Credit Reporting Act to clarify Federal law with respect to reporting certain positive consumer credit information to consumer reporting agencies, other purposes. H.R. 3189. amends the Federal Reserve Act to establish requirements for policy rules and blackout periods of the Federal Open Market Committee, to establish requirements for certain activities of the Board of Governors of the Federal Reserve System, and to amend title 31, United States Code, to reform the manner in which the Board of Governors of the Federal Reserve System is audited H.R. 3192, provides for a temporary safe harbor from the enforcement of integrated disclosure requirements for mortgage loan transactions under the Real Estate Settlement Procedures Act of 1974 and the Truth in Lending ActH.R. 3438, amends title 5, United States Code, to postpone the effective date of high-impact rules H.R. 3634, establishes student loan borrowers' rights to basic consumer protections, reasonable flexible repayment options, access to earned credentials, and effective loan cancellation in exchange for public service H.R 4018 amends the Truth in Lending Act to establish deferred presentment transaction requirements, other purposes. H.R. 4293 amends the Employee Retirement Income Security Act of 1974 to ensure that retirement investors receive advice in their best interests, H.R. 4439, amends the Revised Statutes, the Bank Service Company Act, the Federal Deposit Insurance Act, and the Home Owners' Loan Act to clarify that the role of the insured depository institution as lender and the location of an insured depository institution under applicable law are not affected by any contract between institution and a third-party service provider, and to clarify that Federal preemption of State usury laws applies to any loan to which an insured depository institution is the party to which the debt is initially owed according to its terms, other purposes. H.R. 4550, amends the Fair Debt Collection Practices Act to exclude law firms and licensed attorneys who are engaged in activities related to legal proceedings from definition of a debt collector, to amend the Consumer Financial Protection Act of 2010 to prevent the Bureau of Consumer Financial Protection from exercising supervisory or enforcement authority with respect to attorneys H.R. 4725, amends the Federal Deposit Insurance Act to require short form call reports for certain depository institutions. H.R. 4768, amends title 5, United States Code, to clarify the nature of judicial review of agency interpretations of statutory, regulatory provisions. H.R. 5143, provides greater transparency and congressional oversight of international insurance standards setting processes, other purposes. H.R. 5485, makes appropriations for financial services and general government for the fiscal year ending September 30, 2017,other purposes. H.R. 5982, amends chapter 8 of title 5, United States Code, to provide for en bloc consideration in resolutions of disapproval for "midnight rules" Fiscal Year 2016 spending bills for the Department of Justice (CJS) Makes appropriations for the Departments of Commerce and Justice, Science, and Related Agencies for the fiscal year ending September 30, 2016, and other purposes. Fiscal Year 2016 spending bills for the Department of Housing and Urban Development (THUD), Bill will fund critical infrastructure and safety programs, provide responsible levels of funding for low-income housing H.R. 21 -Midnight Rules Relief Act of 2017, amends chapter 8 of title 5, United States Code H.R. 26 -Executive Need of Scrutiny Act of 2017 (REINS Act), amends chapter 8 of title 5, United States Code, to provide that major rules of the executive branch shall have no force or effect unless a joint resolution of approval is enacted into law. H.R. 5 -Regulatory Accountability Act of 2017 (RAA), reforms the process by which Federal agencies analyze and formulate new regulations and guidance documents, to clarify the nature of judicial review of agency interpretations, to ensure complete analysis of potential impacts on small entities of rules, other purposes.H.J. Res. 73 - Providing congressional disapproval under chapter 8 of title 5, United States Code, of rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts H.R. 1424, amends the Truth in Lending Act and the Electronic Fund Transfer Act to provide justice to victims of fraud. H.R. 1374, amends title 9 of the United States Code with respect to arbitration.H.R. 1396, restores statutory rights to the people of the United States from forced arbitration.H.R. 985, amends the procedures used in Federal court class actions and multidistrict litigation proceedings to assure fairer, more efficient outcomes H.R. 585, amends the Securities Exchange Act of 1934 to prohibit mandatory pre-dispute arbitration agreements, and for other purposes. H.R. 864, (Rep. Love), amends the Fair Debt Collection Practices Act to restrict the debt collection practices of certain debt collectors H.R. 924, (Rep. Rothfus), amends the Federal Financial Institutions Examination Council Act of 1978 to establish a three-judge independent examination review panel.H.R. 1457, (Rep. Tipton), the Making Online Banking Initiation Legal and Easy Act of 2017 (To establish requirements using a driver's license or personal identification card by certain financial institutions for opening an account or obtaining a financial product or service, and for other purposes.)H.R. 2133, (Rep. Luetkemeyer), the Community Lending Enhancement and Regulatory Relief Act of 2017 (CLEARR act) (To provide regulatory relief to community financial institutions, and for other purposes.) H.R. 2226, (Rep. Barr), the Portfolio Lending and Mortgage Access Act ( This bill amends the Truth in Lending Act to allow a depository institution or credit union with assets below a specified threshold to forgo certain ability-to-pay requirements regarding residential mortgage loans) H.R. 2396, (Rep. Trott), the Privacy Notification Technical Correction Act (Bill amends section 503 of the Gramm-Leach Bliley Act. H.R. 3221, (Rep. Kustoff), the Access to Affordable Mortgages Act of 2017 (Sec. 2) This bill amends the Truth in Lending Act and the Financial Institutions Reform, Recovery, Enforcement Act of 1989 to exempt from property appraisal requirements a mortgage loan of $250,000 or less if it appears on the loan creditor's balance sheet for at least three years.) H.R. 6792 -Consumers First Act -Draft bill H.R. _ To amend the Economic Growth, Regulatory Relief, and Consumer Protection Act to clarify seasoning requirements for certain refinanced mortgage loans, and for other purposes -H.R. 134 - To amend title 11 of the United States Code with respect to modification of certain mortgages on principal residences H.R._, (Rep. Hollingsworth), the Ensuring Quality Unbiased Access to Loans Act of 2017 (nullify certain guidance on deposit advance products and to amend the Federal Deposit Insurance Act to provide the appropriate Federal banking agencies with additional requirements H.R. _, (Rep. Tenney), to simplify the process for national banks to obtain deposit insurance,House Appropriations Financial Services and General Government Financial Services Bill H.R1116, Taking Account of Institutions with Low Operation Risk (TAILOR) Act of 2017 (This bill requires federal financial regulatory agencies to: (1) tailor any regulatory actions so as to limit burdens on the institutions involved, with consideration of the risk profiles and business models of those institutions; and (2) report to Congress on specific actions taken to do so, related issues) H.R. 1699, Preserving Access to Manufactured Housing Act of 2017 (This bill amends the Truth in Lending Act to specify that a retailer of manufactured housing is generally not a "mortgage originator" subject to requirements under that Act. Similarly, the bill amends the Secure and Fair EnforcementMortgage Licensing Act of 2008 to specify such a retailer is generally not a "loan originator" subject to requirements under Act.)H.R. 2954, Home Mortgage Disclosure Adjustment Act (amends Home Mortgage Disclosure Act of 1975 H.R. 3299, Protecting Consumers Access to Credit Act of 2017 (This bill amends the Revised Statutes, the Home Owners' Loan Act, H.R. 3791, Community Institution Mortgage Relief Act of 2017 (This bill amends the Truth inH.J.Res.111, Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection on arbitration H.R. 3760, the Protecting Consumers from Unreasonable Credit Rates Act (This bill amends the Truth in Lending Act to prohibit a creditor from extending credit to a consumer under an open end consumer credit plan (credit card) for which the fee and interest rate exceeds 36%.) H.R. 1153, the Mortgage Choice Act This bill amends the Truth in Lending Act to specify that neither escrow charges for insurance nor affiliated title charges shall be considered "points and fees" for purposes of determining whether a mortgage is a "high-cost mortgageH.R. 3978, the TRID Improvement Act ( This bill specifies that the amount deposited in the Securities and Exchange Commission (SEC) Reserve Fund for FY2018 may not exceed $48 million.) H.R. 6972, the Consumers First Act: To require the Consumer Financial Protection Bureau to meet its statutory purpose, and for other purposes. H.J.Res. 122 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 "Payday, Vehicle Title, and Certain High-Cost Installment Loans

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

Government targets: Consumer Financial Protection Bureau (CFPB), Education, Dept of, Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), Natl Economic Council (NEC), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of, White House Office

Mobile payments, fraud, data security, data storage, open banking, regulatory reform, tax reporting, payments systems, cyber-security, financial services, merchant cash advances, privacy, the Federal Reserve and big data, CFPB prepaid products rule (Prepaid Accounts Under Direct Electronic Transfer Act {Regulation E} and the Truth in Lending Act), Federal Reserve Secure Payments Task Force, Marketplace lending, H.R. 10-Financial Choice Act of 2017, H.J. Res. 62/72-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 prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act, S.J.Res.19 - 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 prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act, H. R. 1801-To delay the effective date of the final rule of the Bureau of Consumer Financial Protection titled Prepaid Accounts under the Electronic Fund Transfer Act (Regulation E) and the Truth In Lending Act (Regulation Z)", S. 387-Consumer Financial Protection Bureau Accountability Act of 2017, S. 626-CFPB-IG Act of 2017. CFPB Governance Structure. H.J.Res. 111, Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Arbitration Agreements." S.J.Res. 47, A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Arbitration Agreements". H.R. 4439, Modernizing Credit Opportunities Act of 2017. H.R. 3299, Protecting Consumers' Access to Credit Act of 2017. S. 1642, Protecting Consumers' Access to Credit Act of 2017. H.R. 3354, Make America Secure & Prosperous Appropriations Act. H.R. 6743, Consumer Information Notification Requirement Act. H.R. 6850, Financial Reporting Threshold Modernization Act. "Potential Federal Reserve Actions To Support Interbank Settlement of Faster Payments, Request for Comments" (Docket # OP-1625). OCC ANPR "Reforming the Community Reinvestment Act Regulatory Framework" (Docket # OCC-2018-0008). H.R. 1595, "SAFE Banking Act of 2019". FDIC Request for Information on Small-Dollar Lending (Docket No. RIN 3064-ZA04).

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

Government targets: Consumer Financial Protection Bureau (CFPB), Council of Economic Advisers (CEA), Federal Communications Commission (FCC), Federal Reserve System, Federal Trade Commission (FTC), Financial Crimes Enforcement Network (FinCEN), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Economic Council (NEC), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of, U.S. Trade Representative (USTR)

Mobile payments, fraud, data security, data storage regulatory reform, tax reporting, payments systems, cyber-security, financial services, merchant cash advances, privacy, the Federal Reserve and big data, CFPB prepaid products rule (Prepaid Accounts Under Direct Electronic Transfer Act {Regulation E} and the Truth in Lending Act), Federal Reserve Secure Payments Task Force, Marketplace lending, H.R. 10-Financial Choice Act of 2017, H.J. Res. 62/72-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 prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act, S.J.Res.19 - 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 prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act, H. R. 1801-To delay the effective date of the final rule of the Bureau of Consumer Financial Protection titled Prepaid Accounts under the Electronic Fund Transfer Act (Regulation E) and the Truth In Lending Act (Regulation Z)", S. 387-Consumer Financial Protection Bureau Accountability Act of 2017, S. 626-CFPB-IG Act of 2017. Fiscal Year 2018 Financial Services and General Government Appropriations Bill. CFPB Governance Structure. H.J.Res. 111, Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Arbitration Agreements." S.J.Res. 47, A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Arbitration Agreements". H.R. 4439, Modernizing Credit Opportunities Act of 2017. H.R. 3299, Protecting Consumers' Access to Credit Act of 2017. S. 1642, Protecting Consumers' Access to Credit Act of 2017. H.R. 3354, Make America Secure & Prosperous Appropriations Act.

Client expense: $360,000 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), Council of Economic Advisers (CEA), Federal Communications Commission (FCC), Federal Reserve System, Federal Trade Commission (FTC), Financial Crimes Enforcement Network (FinCEN), HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Economic Council (NEC), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of, U.S. Trade Representative (USTR)

Issues related to credit union operations Issues related to credit union field of membership Issues related to credit union service organizations Issues related to vacancies on the National Credit Union Administration (NCUA) Board Issues related to NCUAs low income designation regulations Issues related to NCUA examination procedures Issues related to NCUAs regulation regarding its regulatory flexibility program Issues related to NCUAs proposed rule regarding emergency liquidity Issues related to NCUAs rulemaking process Issues related to NCUAs risk-based capital rule Issues related to NCUAs Advanced Notice of Proposed Rulemaking on Alternative Capital Issues related to NCUAs rule on securitization Issues related to NCUAs regulatory review process Issues related to NCUAs rule on Member Business Lending Issues related to Federal Credit Union bylaws Issues relating to home-based credit unions Issues related to credit union loan maturity restrictions Issues related to credit union investment authority Issues related to Regulation of Federal Credit Union by-laws Issues related to credit unions incidental powers Issues related to credit unions ability to offer prepaid cards Issues related to credit union service to marijuana businesses Issues related to material loss reports of the NCUA Office of Inspector General Issues related to the regulation of corporate credit unions Issues related to 1-4 Family Non-Owner Occupied Residential Loan Treatment as Residential Rather than Business Loans Issues related to the use of Eminent Domain to Seize Performing Mortgage Loans Issues related to fixed assets Issues related to credit union conversions Issues related to credit union call report modernization Issues related to premium assessments by the National Credit Union Share Insurance, NCUA Issues related to NCUAs Corporate Credit Union Stabilization Plan Issues related to NCUAs budget and the overhead transfer rate Issues related to Credit Union Service Organizations (CUSO) Issues related to the authority of the CFPB to exempt credit unions from its rulemaking Issues related to the CFPB rule to remittances and international wire transfers Issues related to CFPBs Leadership Structure and Installing a Board Rather than Director Issues related to funding the CFPB through the Appropriations Process Issues related to increasing the CFPB Supervisory Threshold Issues related to conducting a cost-benefit analysis of all CFPB Proposals Issues related to codifying the CFPBs Credit Union Advisory Council Issues related to requiring SBREFA Panels for CFPB Rulemakings Issues related to standardizing the definition of mortgage originator Issues related to overdraft protection and check ordering practices Issues related to mortgage servicing Issues related to mortgage loan originator compensation and qualifications Issues related to high-cost mortgage loans (HOEPA) Issues related to the CFPBs rule regarding qualified mortgage / ability to repay Issues related to reverse mortgages Issues related to the CFPBs regulation on Home Mortgage Disclosure Act (Regulation C) Issues related to the CFPBs regulation on Truth-in-Lending Act / Real Estate Settlement Procedures Act Integrated Disclosures Issues related to the payday, vehicle title, and similar lending Issues related to short term lending products and advance deposit products Issues related to the CFPBs consumer complaint database Issues related to the Department of Justices investigation entitled, Operation Choke Point Issues related to the Department of Defense proposal regarding Credit Extending to Service Members under MLA Issues related to indirect auto lending Issues related to credit union service to unbanked and underbanked consumers Issues related to the United States Postal Service Office of Inspector General report related to role of the postal service in financial services Issues related to the CFPB's proposal on arbitration Issues related to the Financial Accounting Standards Board (FASB) Issues related to mark-to-market accounting Issues related to private equity standards Issues related to data and cyber security Issues related to mobile banking and mobile payments Issues related to identity theft and fraud reduction Issues related to secure payments Issues related to merchant data breaches Issues related to the payments system Issues related to Federal Reserve Regulatory D Issues related to the Feds implementation of same-day ACH Issues related to the Bank Secrecy Act and Currency Transaction Reporting Requirements Issues related to the oversight of the Federal Housing Administration Issues related to USDA Rural Development Loan program Issues related to the Federal Home Loan Bank System Issues related to Fannie Mae capital Issues related to membership eligibility in the Federal Home Loan Bank System Issues related to financial literacy Issues related to Housing Finance Reform Issues related to student lending Issues related to the Economic Growth and Regulatory Paperwork Reduction Act process Issues related to retirement security Issues related to flood insurance Issues related to consumers access to records Issues related to economic growth Issues related to the National Credit Union Administration's Advance Notice of Proposed Rulemaking for Supplemental Capital Issues related to Interchange Fees Issues related to the funding of the National Credit Union Administration Issues related to the consumer notification of privacy standards Issues related to the Equal Credit Opportunity Act Issues related to the Fair Housing Act Issues related to the merger of credit unions Issues related to the Real Estate Settlement Procedures Act Issues related to the transfer of leadership at the Consumer Financial Protection Bureau Issues related to Community Reinvestment Act Issues related to Regulation Z Issues related to Military Lending Act Issues related to Financial Technology Issues related to Small Business Lending Data collection requirements Issues related to Involuntary liquidation of Federal Credit Unions and Claims procedures Issues related to Web-Based Quantitative Testing of Point of Sale / ATM Overdraft Disclosure Forms Issues related to residential appraisals Issues related to FHA appraisal certification Issues related to the nomination of Kathy Kraninger to the BCFP Issues related to GSE/Housing Finance Reform Issues related to FHA and USDA Loan Modifications Issues related to payments innovation Issues related to Faster payments Issues related to the Fair Credit Reporting Act Issues related to Treasure and IRS actions on the implementation of HR 1, the Tax Cuts and Job Act Issues related to cooperative funding sources in federal appropriations legislation Issues related to debt collection requirements Issues related to capital reform for credit unions Issues related to procurement reform for private voluntary organizations Issues related to Federal Credit Union Charter Modernization Issues related to expanded credit union powers / federal charter enhancement Issues related to the re-authorization of the National Flood Insurance Program Issues related to the Federal Credit Union Act H.J. Res 111, a resolution providing for congressional disapproval under chapter 8 title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to "Arbitration Agreements" H.Con.Res. XX, a concurrent budget resolution for FY 2019-general issues H.R. 10, the Financial CHOICE Act H.R. 26, the Regulations in Need of Scrutiny Act, all provisions H.R. 88, the Retirement, Savings, and Other Tax Relief Act of 2018 and Taxpayer First Act of 2018 H.R. 389, the Credit Union Residential Loan Parity Act, all provisions H.R. 924, the Financial Institutions Due Process Act H.R. 1116, the Taking Account of Institutions with Low Operation Risk Act (TAILOR), all provisions H.R. 1153, the Mortgage Choice Act of 2017, all provisions H.R. 1244, the Capital Access for Small Businesses and Jobs Act, all provisions H.R. 1264, the Community Financial Institution Exemption Act, all provisions H.R. 1457, the MOBILE Act, all provisions H.R. 1585, the Mutual Bank Capital Opportunity Act, all provisions H.R. 1958, the Protections Affordable Coverage for Employees (PACE) Act, all provisions H.R. 2054, Protecting Americans from Credit Entanglements Act of 2017 H.R. 2133, the Community Lending Enhancement and Regulatory Relief Act, all provisions H.R. 2204, the Homeowner Information Privacy Protection Act, all provisions H.R. 2215, the Secure and Fair Enforcement Banking Act of 2017 H.R. 2226, the Portfolio Lending and Mortgage Access Act, all provisions H.R. 2359, Fair Credit Reporting Act Liability Harmonization H.R. 2396, the Privacy Notification Technical Correction Act H.R. 2706, the Financial Institution Customer Protection Act, all provisions H.R. 2954, the Home Mortgage Disclosure Adjustment Act H.R. 3072, the Bureau of Consumer Financial Protection Examination and Reporting Threshold, all provisions H.R. 3089, the Corporate Transparency Act H.R. 3221, the Securing Access to Affordable Mortgages Act, all provisions H.R. 3299, the Protecting Consumers Access to Credit Act of 2017, all provisions H.R. 3746, the Business of Insurance Regulatory Reform Act of 2017 H.R. 3758, the Senior Safe Act of 2017 H.R. 3857, the PASS: Protecting Advice for Small Savers Act, all provisions H.R. 3866, to amend the Federal Credit Union Act to exclude extensions of credit made to veterans from the definition of a member business loan, all provisions H.R. 3911, the Risk-Based Credit Examination Act, all provisions H.R. 3971, the Community Institution Mortgage Relief Act of 2017 H.R. 3978, To amend the Real Estate Settlement Procedures Act of 1974 to modify requirements related to mortgage disclosures, and for other purposes H.R. 4464, the Common Sense Credit Union Capital Relief Act of 2017, all provisions H.R. 4545, the Financial Institutions Examination Fairness and Reform Act, all provisions H.R. 4607, the Comprehensive Regulatory Review Act, all provisions H.R. 4648, the Home Mortgage Reporting Relief Act of 2017, all provisions H.R. 5078, the TRID Improvement Act of 2018, all provisions H.R. 5266, the Financial Product Safety Commission Act of 2018, all provisions H.R. 5288, the Common Sense Credit Union Capital Relief Act of 2018, all provisions H.R. 5515, The John S. McCain National Defense Authorization Act, provisions related to financial service branches on military bases H.R. 5534, the Give Useful Information to Define Effective Compliance Act, all provisions H.R. 5952, Commerce, Justice, Science and Related Agencies Appropriations, Title II H.R. 6068, the Counter Terrorism and Illicit Finance Act, all provisions H.R. 6147, the Financial Services and General Government Appropriations Act for Fiscal Year 2019, all provisions H.R. 6385, Department of State, Foreign Operations, and Related Programs, Title I H.R. 6743, the Consumer Information Notification Requirement Act, all provisions H.R. 6850, the Financial Reporting Threshold Modernization Act , all provisions H.R. 7262, the American Housing and Economic Mobility Act of 2018 S.J. Res. 47, a resolution providing for congressional disapproval under Chapter 8 title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to "Arbitration Agreements" S. 21, the Regulations in Need of Scrutiny Act, all provisions S. 223, the Senior $afe Act, all provisions S. 366, the Taking Account of Institutions with Low Operation Risk (TAILOR) Act, all provisions S. 756, the First Step Act of 2018 S. 836, the Credit Union Residential Loan Parity Act, all provisions S. 838, the Protecting Affordable Coverage for Employees (PACE) Act, all provisions S. 869, Protecting Americans from Credit Entanglements Act of 2017 S. 1002, CLEAR Relief Act of 2017, all provisions S. 1310, Home Mortgage Disclosure Adjustment Act S. 1579, the Bureau of Consumer Financial Protection Advisory Board Enhancement Act S. 2155, Economic Growth, Regulatory Relief, and Consumer protection Act, all provisions S. 2237, the Financial Institution Examination Fairness Reform Act, all provisions S. 2463, Better Utilization of Investments Leading to Development (BUILD) Act S. 3032, the Strengthening the Tenth Amendment through Entrusting States (STATES) Act of 2018 S. 3503, the American Housing and Economic Mobility Act of 2018 S.J.Res. 19, 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 prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act, all provisions Legislation contemplated by House Financial Services Committee Chairman Jeb Hensarling entitled the Financial Creating Hope and Opportunity for Investors, Consumer and Entrepreneurs (CHOICE) Act, provisions impacting credit unions, the National Credit Union Administration and the Consumer Financial Protection Bureau. Title XVII of the House Amendment to S. 488, the JOBS and Investor Confidence Act of 2018

Client expense: $920,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Consumer Financial Protection Bureau (CFPB), Executive Office of the President (EOP), Federal Communications Commission (FCC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), SENATE, Small Business Administration (SBA), Treasury, Dept of, Veterans Affairs, Dept of (VA)

Mobile payments, fraud, data security, data storage regulatory reform, tax reporting, payments systems, cyber-security, financial services, merchant cash advances, privacy, the Federal Reserve and big data, CFPB prepaid products rule (Prepaid Accounts Under Direct Electronic Transfer Act {Regulation E} and the Truth in Lending Act), Federal Reserve Secure Payments Task Force, Marketplace lending, H.R. 10-Financial Choice Act of 2017, H.J. Res. 62/72-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 prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act, S.J.Res.19 - 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 prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act, H. R. 1801-To delay the effective date of the final rule of the Bureau of Consumer Financial Protection titled Prepaid Accounts under the Electronic Fund Transfer Act (Regulation E) and the Truth In Lending Act (Regulation Z)", S. 387-Consumer Financial Protection Bureau Accountability Act of 2017, S. 626-CFPB-IG Act of 2017. Fiscal Year 2018 Financial Services and General Government Appropriations Bill. CFPB Governance Structure. H.J.Res. 111, Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Arbitration Agreements." S.J.Res. 47, A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Arbitration Agreements". H.R. 4439, Modernizing Credit Opportunities Act of 2017. H.R. 3299, Protecting Consumers' Access to Credit Act of 2017. S. 1642, Protecting Consumers' Access to Credit Act of 2017. H.R. 3354, Make America Secure & Prosperous Appropriations Act.

Client expense: $360,000 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), Council of Economic Advisers (CEA), Federal Communications Commission (FCC), Federal Reserve System, Federal Trade Commission (FTC), Financial Crimes Enforcement Network (FinCEN), HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Economic Council (NEC), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of, U.S. Trade Representative (USTR)

Issues related to credit union operations Issues related to credit union field of membership Issues related to credit union service organizations Issues related to vacancies on the National Credit Union Administration (NCUA) Board Issues related to NCUAs low income designation regulations Issues related to NCUA examination procedures Issues related to NCUAs regulation regarding its regulatory flexibility program Issues related to NCUAs proposed rule regarding emergency liquidity Issues related to NCUAs rulemaking process Issues related to NCUAs risk-based capital rule Issues related to NCUAs Advanced Notice of Proposed Rulemaking on Alternative Capital Issues related to NCUAs rule on securitization Issues related to NCUAs regulatory review process Issues related to NCUAs rule on Member Business Lending Issues related to Federal Credit Union bylaws Issues relating to home-based credit unions Issues related to credit union loan maturity restrictions Issues related to credit union investment authority Issues related to Regulation of Federal Credit Union by-laws Issues related to credit unions incidental powers Issues related to credit unions ability to offer prepaid cards Issues related to credit union service to marijuana businesses Issues related to material loss reports of the NCUA Office of Inspector General Issues related to the regulation of corporate credit unions Issues related to 1-4 Family Non-Owner Occupied Residential Loan Treatment as Residential Rather than Business Loans Issues related to the use of Eminent Domain to Seize Performing Mortgage Loans Issues related to fixed assets Issues related to credit union conversions Issues related to credit union call report modernization Issues related to premium assessments by the National Credit Union Share Insurance, NCUA Issues related to NCUAs Corporate Credit Union Stabilization Plan Issues related to NCUAs budget and the overhead transfer rate Issues related to Credit Union Service Organizations (CUSO) Issues related to the authority of the CFPB to exempt credit unions from its rulemaking Issues related to the CFPB rule to remittances and international wire transfers Issues related to CFPBs Leadership Structure and Installing a Board Rather than Director Issues related to funding the CFPB through the Appropriations Process Issues related to increasing the CFPB Supervisory Threshold Issues related to conducting a cost-benefit analysis of all CFPB Proposals Issues related to codifying the CFPBs Credit Union Advisory Council Issues related to requiring SBREFA Panels for CFPB Rulemakings Issues related to standardizing the definition of mortgage originator Issues related to overdraft protection and check ordering practices Issues related to mortgage servicing Issues related to mortgage loan originator compensation and qualifications Issues related to high-cost mortgage loans (HOEPA) Issues related to the CFPBs rule regarding qualified mortgage / ability to repay Issues related to reverse mortgages Issues related to the CFPBs regulation on Home Mortgage Disclosure Act (Regulation C) Issues related to the CFPBs regulation on Truth-in-Lending Act / Real Estate Settlement Procedures Act Integrated Disclosures Issues related to the payday, vehicle title, and similar lending Issues related to short term lending products and advance deposit products Issues related to the CFPBs consumer complaint database Issues related to the Department of Justices investigation entitled, Operation Choke Point Issues related to the Department of Defense proposal regarding Credit Extending to Service Members under MLA Issues related to indirect auto lending Issues related to credit union service to unbanked and underbanked consumers Issues related to the United States Postal Service Office of Inspector General report related to role of the postal service in financial services Issues related to the CFPB's proposal on arbitration Issues related to the Financial Accounting Standards Board (FASB) Issues related to mark-to-market accounting Issues related to private equity standards Issues related to data and cyber security Issues related to mobile banking and mobile payments Issues related to identity theft and fraud reduction Issues related to secure payments Issues related to merchant data breaches Issues related to the payments system Issues related to Federal Reserve Regulatory D Issues related to the Feds implementation of same-day ACH Issues related to the Bank Secrecy Act and Currency Transaction Reporting Requirements Issues related to the oversight of the Federal Housing Administration Issues related to USDA Rural Development Loan program Issues related to the Federal Home Loan Bank System Issues related to Fannie Mae capital Issues related to membership eligibility in the Federal Home Loan Bank System Issues related to financial literacy Issues related to Housing Finance Reform Issues related to student lending Issues related to the Economic Growth and Regulatory Paperwork Reduction Act process Issues related to retirement security Issues related to flood insurance Issues related to consumers access to records Issues related to economic growth Issues related to the National Credit Union Administration's Advance Notice of Proposed Rulemaking for Supplemental Capital Issues related to Interchange Fees Issues related to the funding of the National Credit Union Administration Issues related to the consumer notification of privacy standards Issues related to the Equal Credit Opportunity Act Issues related to the Fair Housing Act Issues related to the merger of credit unions Issues related to the Real Estate Settlement Procedures Act Issues related to the transfer of leadership at the Consumer Financial Protection Bureau Issues related to Community Reinvestment Act Issues related to Regulation Z Issues related to Military Lending Act Issues related to Financial Technology Issues related to Small Business Lending Data collection requirements Issues related to Involuntary liquidation of Federal Credit Unions and Claims procedures Issues related to Web-Based Quantitative Testing of Point of Sale / ATM Overdraft Disclosure Forms Issues related to residential appraisals Issues related to FHA appraisal certification Issues related to the nomination of Kathy Kraninger to the BCFP Issues related to GSE/Housing Finance Reform Issues related to FHA and USDA Loan Modifications Issues related to payments innovation Issues related to Faster payments Issues related to the Fair Credit Reporting Act Issues related to Treasure and IRS actions on the implementation of HR 1, the Tax Cuts and Job Act Issues related to cooperative funding sources in federal appropriations legislation Issues related to debt collection requirements Issues related to capital reform for credit unions Issues related to procurement reform for private voluntary organizations Issues related to Federal Credit Union Charter Modernization Issues related to expanded credit union powers / federal charter enhancement Issues related to the re-authorization of the National Flood Insurance Program Issues related to the Federal Credit Union Act H.J. Res 111, a resolution providing for congressional disapproval under chapter 8 title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to "Arbitration Agreements" H.Con.Res. XX, a concurrent budget resolution for FY 2019-general issues H.R. 10, the Financial CHOICE Act H.R. 26, the Regulations in Need of Scrutiny Act, all provisions H.R. 88, the Retirement, Savings, and Other Tax Relief Act of 2018 and Taxpayer First Act of 2018 H.R. 389, the Credit Union Residential Loan Parity Act, all provisions H.R. 924, the Financial Institutions Due Process Act H.R. 1116, the Taking Account of Institutions with Low Operation Risk Act (TAILOR), all provisions H.R. 1153, the Mortgage Choice Act of 2017, all provisions H.R. 1244, the Capital Access for Small Businesses and Jobs Act, all provisions H.R. 1264, the Community Financial Institution Exemption Act, all provisions H.R. 1457, the MOBILE Act, all provisions H.R. 1585, the Mutual Bank Capital Opportunity Act, all provisions H.R. 1958, the Protections Affordable Coverage for Employees (PACE) Act, all provisions H.R. 2054, Protecting Americans from Credit Entanglements Act of 2017 H.R. 2133, the Community Lending Enhancement and Regulatory Relief Act, all provisions H.R. 2204, the Homeowner Information Privacy Protection Act, all provisions H.R. 2215, the Secure and Fair Enforcement Banking Act of 2017 H.R. 2226, the Portfolio Lending and Mortgage Access Act, all provisions H.R. 2359, Fair Credit Reporting Act Liability Harmonization H.R. 2396, the Privacy Notification Technical Correction Act H.R. 2706, the Financial Institution Customer Protection Act, all provisions H.R. 2954, the Home Mortgage Disclosure Adjustment Act H.R. 3072, the Bureau of Consumer Financial Protection Examination and Reporting Threshold, all provisions H.R. 3089, the Corporate Transparency Act H.R. 3221, the Securing Access to Affordable Mortgages Act, all provisions H.R. 3299, the Protecting Consumers Access to Credit Act of 2017, all provisions H.R. 3746, the Business of Insurance Regulatory Reform Act of 2017 H.R. 3758, the Senior Safe Act of 2017 H.R. 3857, the PASS: Protecting Advice for Small Savers Act, all provisions H.R. 3866, to amend the Federal Credit Union Act to exclude extensions of credit made to veterans from the definition of a member business loan, all provisions H.R. 3911, the Risk-Based Credit Examination Act, all provisions H.R. 3971, the Community Institution Mortgage Relief Act of 2017 H.R. 3978, To amend the Real Estate Settlement Procedures Act of 1974 to modify requirements related to mortgage disclosures, and for other purposes H.R. 4464, the Common Sense Credit Union Capital Relief Act of 2017, all provisions H.R. 4545, the Financial Institutions Examination Fairness and Reform Act, all provisions H.R. 4607, the Comprehensive Regulatory Review Act, all provisions H.R. 4648, the Home Mortgage Reporting Relief Act of 2017, all provisions H.R. 5078, the TRID Improvement Act of 2018, all provisions H.R. 5266, the Financial Product Safety Commission Act of 2018, all provisions H.R. 5288, the Common Sense Credit Union Capital Relief Act of 2018, all provisions H.R. 5515, The John S. McCain National Defense Authorization Act, provisions related to financial service branches on military bases H.R. 5534, the Give Useful Information to Define Effective Compliance Act, all provisions H.R. 5952, Commerce, Justice, Science and Related Agencies Appropriations, Title II H.R. 6068, the Counter Terrorism and Illicit Finance Act, all provisions H.R. 6147, the Financial Services and General Government Appropriations Act for Fiscal Year 2019, all provisions H.R. 6385, Department of State, Foreign Operations, and Related Programs, Title I H.R. 6743, the Consumer Information Notification Requirement Act, all provisions H.R. 6850, the Financial Reporting Threshold Modernization Act , all provisions H.R. 7262, the American Housing and Economic Mobility Act of 2018 S.J. Res. 47, a resolution providing for congressional disapproval under Chapter 8 title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to "Arbitration Agreements" S. 21, the Regulations in Need of Scrutiny Act, all provisions S. 223, the Senior $afe Act, all provisions S. 366, the Taking Account of Institutions with Low Operation Risk (TAILOR) Act, all provisions S. 756, the First Step Act of 2018 S. 836, the Credit Union Residential Loan Parity Act, all provisions S. 838, the Protecting Affordable Coverage for Employees (PACE) Act, all provisions S. 869, Protecting Americans from Credit Entanglements Act of 2017 S. 1002, CLEAR Relief Act of 2017, all provisions S. 1310, Home Mortgage Disclosure Adjustment Act S. 1579, the Bureau of Consumer Financial Protection Advisory Board Enhancement Act S. 2155, Economic Growth, Regulatory Relief, and Consumer protection Act, all provisions S. 2237, the Financial Institution Examination Fairness Reform Act, all provisions S. 2463, Better Utilization of Investments Leading to Development (BUILD) Act S. 3032, the Strengthening the Tenth Amendment through Entrusting States (STATES) Act of 2018 S. 3503, the American Housing and Economic Mobility Act of 2018 S.J.Res. 19, 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 prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act, all provisions Legislation contemplated by House Financial Services Committee Chairman Jeb Hensarling entitled the Financial Creating Hope and Opportunity for Investors, Consumer and Entrepreneurs (CHOICE) Act, provisions impacting credit unions, the National Credit Union Administration and the Consumer Financial Protection Bureau. Title XVII of the House Amendment to S. 488, the JOBS and Investor Confidence Act of 2018

Client expense: $860,210 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Consumer Financial Protection Bureau (CFPB), Executive Office of the President (EOP), Federal Communications Commission (FCC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), SENATE, Small Business Administration (SBA), Treasury, Dept of, Veterans Affairs, Dept of (VA)

S.708 Regulatory Improvement Act (Establishes the legislative branch the Regulatory Improvement Commission.) S.774 Financial Institutions Examination Fairness and Reform Act (Amends the Federal Financial Institutions Examination Council Act of 1978 to require a federal financial institutions regulatory agency to make a final examination report to a financial institution within 60 days of the later of: (1) the exit interview for an examination of the institution, or (2) the provision of additional information by the institution relating to the examination.) S.1484 Financial Regulatory Improvement Act of 2015 (amends the Gramm-Leach-Bliley Act to exempt from the requirement to provide consumers with an annual written disclosure of their privacy policy certain financial institutions that provide nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution.) S.1491 Community Lender Regulatory Relief and Consumer Protection Act of 2015 (amends the Truth in Lending Act, Gramm0Leach Bliley Act, FDI Act, FHLB Act, and the Securities Exchange Act) S.1607 the Independent Agency Regulatory Analysis Act of 2015 (A bill to affirm the authority of the President to require independent regulatory agencies to comply with regulatory analysis requirements applicable to executive agencies, and for other purposes.) S. 1647 Developing a Reliable and Innovative Vision for the Economy Act (amend title 23, United States Code, to authorize funds for Federal-aid highways and highway safety construction programs, and for other purposes.) S.1773 Consumer Reporting Fairness Act of 2015 (amend title 11, United States Code, to require creditors to inform consumer reporting agencies that certain debts have been discharged in bankruptcy cases.) S.1818 Principled Rulemaking Act (revises the federal agency rulemaking process to require a agencies to promulgate only rules (defined to exclude agency actions involving a military or foreign affairs function of the United States or a matter relating to agency management or personnel or to public property, loans, grants, benefits, or contracts) that are required by law, necessary to interpret a law, or made necessary by public need, to protect or improve the health and safety of the public, the environment, or the wellbeing of the people of the United States.) S.1820 Early Participation in Regulations Act (bill directs an agency, not later than 90 days before publishing a notice of proposed rule making for a major rule in the Federal Register, to publish advance notice of proposed rule making for such rule,) S.1817 Smarter Regulations Through Advance Planning and Review Act (requires a federal agency, when publishing a proposed major rule and when publishing a final major rule, to include a framework for assessing the rule) S.1958 Christopher Bryski Student Loan Protection Act (establish additional protections and disclosures for students and co-signers with respect to student loans, and for other purposes.) S.2038 Jumpstart GSE reform Act (prohibits the use of an increase in the guarantee fee required to be charged by the Federal National Mortgage Association (Fannie Mae), the Federal Home Loan Mortgage Corporation (Freddie Mac), or any affiliate of such organizations (enterprises) to offset an increase in outlays or a reduction in revenues for any purposes other than those related to the enterprises' business functions) S.2663 Reforming CFPB Indirect Auto Financing Guidance Act (declares without force or effect Consumer Financial Protection Bureau (CFPB) Bulletin 2013-02 (Indirect Auto Lending and Compliance with the Equal Credit Opportunity Act), published March 21, 2013.) S.J. Res. 19 - 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 prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act. (CRA) S.552: Justice for Victims of Fraud Act (This bill amends the Truth in Lending Act and the Electronic Fund Transfer Act to prohibit predispute arbitration agreements with consumers (i.e., agreements to arbitrate any future disputes between parties instead of pursuing the claims in court) from being valid or enforceable in disputes related to credit card accounts or personal bank accounts that are not subject to a final judgment by a court if the credit card or bank account was not issued in response to a request or application for that account.) S. 537: Arbitration Fairness Act (prohibits a predispute arbitration agreement from being valid or enforceable if it requires arbitration of an employment, consumer, antitrust, or civil rights dispute.) S.550: Restoring Statutory Rights and Interests of the States Act (amends the Federal Arbitration Act to invalidate arbitration agreements between parties in certain commercial contracts or transactions if they require arbitration of a claim for damages or injunctive relief brought by an individual or small business arising from the alleged violation of a federal or state statute, the U.S. Constitution, or a state constitution, unless the written agreement to arbitrate is entered into by both parties after the claim has arisen and pertains solely to an existing claim.) S.553: Court Legal Access and Student Support (CLASS) Act (makes procedures for the enforcement of arbitration agreements inapplicable to an enrollment agreement between a student and an institution of higher education (IHE).) S.647: Mandatory Arbitration Transparency Act (prohibits predispute arbitration agreements from containing a confidentiality clause regarding an employment, consumer, or civil rights dispute that could be interpreted to prohibit a party from: (1) making a communication in a manner such that the prohibition would violate a whistle-blower statute; or (2) reporting or making a communication about tortious conduct, unlawful conduct, or issues of public policy or public concern. ) S.646: Justice for Servicemembers Act (authorizes the Department of Justice (DOJ) to initiate an action for relief in a service member's employment or reemployment rights action with respect to: (1) a private or state employer, or (2) a state or private employer that is engaged in a pattern or practice to infringe upon such rights.) S.951 - Regulatory Accountability Act of 2017 (codifies and revises notice-and-comment rulemaking procedures to require federal agencies to consider: (1) whether a rulemaking is required by statute or is within the discretion of the agency, (2) whether existing federal laws or rules could be amended or rescinded to address the problem, and (3) reasonable alternatives for a new rule.) S.1642, Protecting Consumers Access to Credit Act of 2017 (amends the Revised Statutes, the Home Owners' Loan Act, the Federal Credit Union Act, and the Federal Deposit Insurance Act to state that bank loans that are valid when made as to their maximum rate of interest in accordance with federal law shall remain valid with respect to that rate regardless of whether a bank has subsequently sold or assigned the loan to a third party.0 S.J.Res.47 - A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Arbitration Agreements" S. 1659, the Protecting Consumers from Unreasonable Credit Rates Act (amends the Truth in Lending Act to prohibit a creditor from extending credit to a consumer under an open end consumer credit plan (credit card) for which the fee and interest rate exceeds 36%.) S.2155, Economic Growth, Regulatory Relief, and Consumer Protection Act (bill aimed at rolling back financial regulations concerning banks and other financial institutions) S.J. Res. 57 A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Indirect Auto Lending and Compliance with the Equal Credit Opportunity Act" H.R. 4, makes revisions to Federal law to improve the conditions necessary for economic growth and job creation, and other purposes. H.R. 37, makes technical corrections to the Dodd-Frank Wall Street Reform and Consumer Protection Act, to enhance the ability of small and emerging growth companies to access capital through public and private markets, to reduce regulatory burdens, and other purposes. H.R. 50, provides for additional safeguards with respect to imposing Federal mandates, & other purposes. H.R. 113, improves the accountability and transparency of the Board of Governors of the Federal Reserve System, and for other purposes. H.R. 185, reforms the process by which Federal agencies analyze and formulate new regulations and guidance documents. H.R. 347, amends the Credit Repair Organizations Act to exempt certain consumer reporting agencies, and for other purposes. H.R. 367, amends chapter 8 of title 5, United States Code, to provide that major rules of the executive branch shall have no force or effect unless a joint resolution of approval is enacted into law. H.R. 427, amends chapter 8 of title 5, United States Code, to provide that major rules of the executive branch shall have no force or effect unless a joint resolution of approval is enacted into law. H.R. 527, amends chapter 6 of title 5, United States Code (commonly known as the Regulatory Flexibility Act), to ensure complete analysis of potential impacts on small entities of rules, and for other purposes. H.R. 650, amends the Truth in Lending Act to modify definitions of a mortgage originator & high-cost mortgage. H.R. 685, amends the Truth in Lending Act to improve upon the definitions provided for points and fees in connection with a mortgage transaction. H.R. 766, provides requirements for the appropriate Federal banking agencies when requesting or ordering a depository institution to terminate a specific customer account, to provide for additional requirements related to subpoenas issued under the Financial Institutions Reform, Recovery, and Enforcement Act of 1989, and for other purposes. H.R. 899, provides for additional safeguards with respect to imposing Federal mandates, and for other purposes. H.R. 957, requires Senate confirmation of Inspector General of the Bureau of Consumer Financial Protection, and other purposes. H.R. 1090, amends the Securities Exchange Act of 1934 to provide protections for retail customers, and for other purposes. H.R. 1195, amends the Consumer Financial Protection Act of 2010 to establish advisory boards, other purposes H.R. 1210, amends the Truth in Lending Act to provide a safe harbor from certain requirements related to qualified mortgages for residential mortgage loans held on an originating depository institution's portfolio, and for other purposes. H.R. 1259, provides for an application process for interested parties to apply for an area to be designated as a rural area, and for other purposes. H.R. 1261, amends the Consumer Financial Protection Act of 2010 to bring the Bureau of Consumer Financial Protection into the regular appropriations process, and for other purposes. H.R. 1264, provides an exemption from rules and regulations of the Bureau of Consumer Financial protection for community financial institutions, and for other purposes. H.R. 1265, applies the requirements of the Federal Advisory Committee Act to the Bureau of Consumer Financial Protection. H.R. 1266, amends the Consumer Financial Protection Act of 2010 to make the Bureau of Consumer Financial Protection an independent Financial Product Safety Commission, and for other purposes. H.R. 1413, terminates Operation Choke Point. H.R. 1493, imposes certain limitations on consent decrees and settlement agreements by agencies that require the agencies to take regulatory action in accordance with the terms thereof, and for other purposes. H.R. 1529, amends the Truth in Lending Act and the Real Estate Settlement Procedures Act of 1974 to modify the requirements for community financial institutions with respect to certain rules relating to mortgage loans, and for other purposes. H.R. 1553 amends the Federal Deposit Insurance Act to specify which smaller institutions may qualify for an 18-month examination cycle. H.R. 1660, amends the Home Owners' Loan Act to allow Federal savings associations to elect to operate as national banks, and for other purposes. H.R. 1737, nullifies certain guidance of the Bureau of Consumer Financial Protection and to provide requirements for guidance issued by the Bureau with respect to indirect auto lending. H.R. 1799, amends the Real Estate Settlement Procedures Act of 1974 to prohibit certain financial benefits for referrals of business and to improve the judicial relief for certain violations, & other purposes. H.R. 1941, improves the examination of depository institutions, and for other purposes. H.R. 2213, provides for a temporary safe harbor from the enforcement of integrated disclosure requirements for mortgage loan transactions under the Real Estate Settlement Procedures Act of 1974 and the Truth in Lending Act, and for other purposes. H.R. 2029, makes appropriations for military construction, the Department of Veterans Affairs, and related agencies for the fiscal year ending September 30, 2016, and for other purposes. H.R. 2243, suspends the current compensation packages for the senior executives of Fannie Mae and Freddie Mac and establish compensation for such positions in accordance with rates of pay for senior employees in the Executive Branch of the Federal Government, and for other purposes. H.R. 2354, directs the Securities and Exchange Commission to review all its significant regulations to determine whether such regulations are necessary in the public interest or whether such regulations should be amended or rescinded. H.R. 4294, amends the Internal Revenue Code of 1986 to ensure that retirement investors receive advice in their best interests, and for other purposes. H.R. 2542 amends chapter 6 of title 5, United States Code (commonly known as the Regulatory Flexibility Act), to ensure complete analysis of potential impacts on small entities of rules, and for other purposes. H.R. 2683, amends the Fair Credit Reporting Act to delay the inclusion in consumer credit reports and to establish requirements for debt collectors with respect to medical debt information of veterans due to inappropriate or delayed billing payments or reimbursements from the Department of Veterans Affairs, and for other purposes. H.R. 2577, makes appropriations for the Departments of Transportation, and Housing and Urban Development, and related agencies for the fiscal year ending September 30, 2016, and for other purposes. H.R. 2804, amends title 5, United States Code, to require the Administrator of the Office of Information and Regulatory Affairs to publish information about rules on the Internet, and for other purposes. H.R. 3035, amends the Fair Credit Reporting Act to clarify Federal law with respect to reporting certain positive consumer credit information to consumer reporting agencies, and for other purposes. H.R. 3189. amends the Federal Reserve Act to establish requirements for policy rules and blackout periods of the Federal Open Market Committee, to establish requirements for certain activities of the Board of Governors of the Federal Reserve System, and to amend title 31, United States Code, to reform the manner in which the Board of Governors of the Federal Reserve System is audited, & other purposes. H.R. 3192, provides for a temporary safe harbor from the enforcement of integrated disclosure requirements for mortgage loan transactions under the Real Estate Settlement Procedures Act of 1974 and the Truth in Lending Act, and for other purposes. H.R. 3438, amends title 5, United States Code, to postpone the effective date of high-impact rules pending judicial review. H.R. 3634, establishes student loan borrowers' rights to basic consumer protections, reasonable and flexible repayment options, access to earned credentials, and effective loan cancellation in exchange for public service, and for other purposes. H.R. 4018, amends the Truth in Lending Act to establish deferred presentment transaction requirements, and other purposes. H.R. 4293, amends the Employee Retirement Income Security Act of 1974 to ensure that retirement investors receive advice in their best interests, and for other purposes. H.R. 4439, amends the Revised Statutes, the Bank Service Company Act, the Federal Deposit Insurance Act, and the Home Owners' Loan Act to clarify that the role of the insured depository institution as lender and the location of an insured depository institution under applicable law are not affected by any contract between the institution and a third-party service provider, and to clarify that Federal preemption of State usury laws applies to any loan to which an insured depository institution is the party to which the debt is initially owed according to its terms, and other purposes. H.R. 4550, amends the Fair Debt Collection Practices Act to exclude law firms and licensed attorneys who are engaged in activities related to legal proceedings from the definition of a debt collector, to amend the Consumer Financial Protection Act of 2010 to prevent the Bureau of Consumer Financial Protection from exercising supervisory or enforcement authority with respect to attorneys when undertaking certain actions related to legal proceedings, and other purposes. H.R. 4648, delays the effective date of certain regulations relating to home mortgage disclosures, to suspend certain data sharing requirements, and other purposes. H.R. 4725, amends the Federal Deposit Insurance Act to require short form call reports for certain depository institutions. H.R. 4768, amends title 5, United States Code, to clarify the nature of judicial review of agency interpretations of statutory and regulatory provisions. H.R. 4986, amends certain banking statutes in response to Operation Choke Point. H.R. 5143, provides greater transparency and congressional oversight of international insurance standards setting processes, and for other purposes. H.R. 5485, makes appropriations for financial services and general government for the fiscal year ending September 30, 2017, and for other purposes. H.R. 5982, amends chapter 8 of title 5, United States Code, to provide for en bloc consideration in resolutions of disapproval for "midnight rules", and for other purposes. Fiscal Year 2016 spending bills for the Department of Justice (CJS) Makes appropriations for the Departments of Commerce and Justice, Science, and Related Agencies for the fiscal year ending September 30, 2016, and for other purposes. Fiscal Year 2016 spending bills for the Department of Housing and Urban Development (THUD), Bill will fund critical infrastructure and safety programs, provide responsible levels of funding for low-income housing Fiscal Year 2017 Commerce, Justice, Science Funding Bill, Bill targets funding to law enforcement and national security efforts, economic development, and fundamental research activities H.R. 21 -Midnight Rules Relief Act of 2017, amends chapter 8 of title 5, United States Code, to provide for en bloc consideration in resolutions of disapproval for "midnight rules", and for other purposes. H.R. 26 -Executive Need of Scrutiny Act of 2017 (REINS Act), amends chapter 8 of title 5, United States Code, to provide that major rules of the executive branch shall have no force or effect unless a joint resolution of approval is enacted into law. H.R. 5 -Regulatory Accountability Act of 2017 (RAA), reforms the process by which Federal agencies analyze and formulate new regulations and guidance documents, to clarify the nature of judicial review of agency interpretations, to ensure complete analysis of potential impacts on small entities of rules, and for other purposes. H.J. Res. 73 - 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 prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act. (CRA) H.R. 1424, amends the Truth in Lending Act and the Electronic Fund Transfer Act to provide justice to victims of fraud. H.R. 1374, amends title 9 of the United States Code with respect to arbitration. H.R. 1396, restores statutory rights to the people of the United States from forced arbitration. H.R. 985, amends the procedures used in Federal court class actions and multidistrict litigation proceedings to assure fairer, more efficient outcomes for claimants and defendants, and for other purposes. H.R. 585, amends the Securities Exchange Act of 1934 to prohibit mandatory pre-dispute arbitration agreements, & other purposes. H.R. 864, (Rep. Love), amends the Fair Debt Collection Practices Act to restrict the debt collection practices of certain debt collectors H.R. 924, (Rep. Rothfus), amends the Federal Financial Institutions Examination Council Act of 1978 to establish a three-judge independent examination review panel. H.R. 1457, (Rep. Tipton), the Making Online Banking Initiation Legal and Easy Act of 2017 (To establish requirements for use of a driver's license or personal identification card by certain financial institutions for opening an account or obtaining a financial product or service, and for other purposes.) H.R. 2133, (Rep. Luetkemeyer), the Community Lending Enhancement and Regulatory Relief Act of 2017 (CLEARR act) (To provide regulatory relief to community financial institutions, and for other purposes.) H.R. 2226, (Rep. Barr), the Portfolio Lending and Mortgage Access Act (amends the Truth in Lending Act to allow a depository institution or credit union with assets below a specified threshold to forgo certain ability-to-pay requirements regarding residential mortgage loans) H.R. 2396, (Rep. Trott), the Privacy Notification Technical Correction Act (amends section 503 of the Gramm-Leach Bliley Act. H.R. 3221, (Rep. Kustoff), the Access to Affordable Mortgages Act of 2017 (Sec. 2) amends the Truth in Lending Act and the Financial Institutions Reform, Recovery, and Enforcement Act of 1989 to exempt from property appraisal requirements a mortgage loan of $250,000 or less if it appears on the loan creditor's balance sheet for at least three years.) H.R. 6792 -Consumers First Act -Draft bill H.R. ___ To amend the Economic Growth, Regulatory Relief, and Consumer Protection Act to clarify seasoning requirements for certain refinanced mortgage loans, and for other purposes -H.R. 134 - To amend title 11 of the United States Code with respect to modification of certain mortgages on principal residences, and for other purposes H.R. __, (Rep. Hollingsworth), the Ensuring Quality Unbiased Access to Loans Act of 2017 (To nullify certain guidance on deposit advance products and to amend the Federal Deposit Insurance Act to provide the appropriate Federal banking agencies with additional requirements when issuing such guidance, and for other purposes.) H.R. __, (Rep. Tenney), to simplify the process for national banks to obtain deposit insurance, & other purposes. House Appropriations Financial Services and General Government Financial Services Bill H.R. 1116, Taking Account of Institutions with Low Operation Risk (TAILOR) Act of 2017 (This bill requires federal financial regulatory agencies to: (1) tailor any regulatory actions so as to limit burdens on the institutions involved, with consideration of the risk profiles and business models of those institutions; and (2) report to Congress on specific actions taken to do so, as well as on other related issues. The bill's tailoring requirement applies not only to future regulatory actions but also to regulations adopted within the last seven years.) H.R. 1699, Preserving Access to Manufactured Housing Act of 2017 (amends the Truth in Lending Act (TILA) to specify that a retailer of manufactured housing is generally not a "mortgage originator" subject to requirements under that Act. Similarly, the bill amends the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 to specify that such a retailer is generally not a "loan originator" subject to requirements under that Act.) H.R. 2954, Home Mortgage Disclosure Adjustment Act (amends the Home Mortgage Disclosure Act of 1975 to exempt a depository institution from certain records and disclosure requirements related to the itemization of loan data: (1) with respect to closed-end mortgage loans, if the depository institution originated fewer than 500 such loans in each of the two preceding years; and (2) with respect to open-end lines of credit, if the depository institution originated fewer than 500 such lines of credit i

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

Government targets: Consumer Financial Protection Bureau (CFPB), Education, Dept of, Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Housing & Urban Development, Dept of (HUD), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), Natl Economic Council (NEC), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), Treasury, Dept of, White House Office

Mobile payments, fraud, data security, data storage regulatory reform, tax reporting, payments systems, cyber-security, financial services, merchant cash advances, privacy, the Federal Reserve and big data, CFPB prepaid products rule (Prepaid Accounts Under Direct Electronic Transfer Act {Regulation E} and the Truth in Lending Act), Federal Reserve Secure Payments Task Force, Marketplace lending, H.R. 10-Financial Choice Act of 2017, H.J. Res. 62/72-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 prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act, S.J.Res.19 - 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 prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act, H. R. 1801-To delay the effective date of the final rule of the Bureau of Consumer Financial Protection titled Prepaid Accounts under the Electronic Fund Transfer Act (Regulation E) and the Truth In Lending Act (Regulation Z)", S. 387-Consumer Financial Protection Bureau Accountability Act of 2017, S. 626-CFPB-IG Act of 2017. CFPB Governance Structure. H.J.Res. 111, Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Arbitration Agreements." S.J.Res. 47, A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Arbitration Agreements". H.R. 4439, Modernizing Credit Opportunities Act of 2017. H.R. 3299, Protecting Consumers' Access to Credit Act of 2017. S. 1642, Protecting Consumers' Access to Credit Act of 2017. H.R. 3354, Make America Secure & Prosperous Appropriations Act. H.R. 6743, Consumer Information Notification Requirement Act. H.R. 6850, Financial Reporting Threshold Modernization Act. "Potential Federal Reserve Actions To Support Interbank Settlement of Faster Payments, Request for Comments" (Docket # OP-1625). OCC ANPR "Reforming the Community Reinvestment Act Regulatory Framework" (Docket # OCC-2018-0008).

Client expense: $280,000 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), Council of Economic Advisers (CEA), Federal Communications Commission (FCC), Federal Reserve System, Federal Trade Commission (FTC), Financial Crimes Enforcement Network (FinCEN), HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Economic Council (NEC), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of, U.S. Trade Representative (USTR)

Supplemental capital issues, regulatory issues for credit unions and tax exemption status: HR 10, HR 389, HR 1018, HR 1031, HR 1116, HR 1153, HR 1244, HR 1264, HR 1401, HR 1422, HR 1423, HR 1426, HR 1457, HR 1699, HR 1801, HR 1958, HR 1964, HR 2133, HR 2170, HR 2215, HR 2226, HR 2246, HR 2359, HR 2403, HR 2553, HR 2570, HR 2706, HR 2793, HR 2868, HR 2874, HR 2875, HR 2877, HR 2890, HR 2954, HR 3072, HR 3221, HR 3312, HR 3354, HR 3746, HR 3758, HR 3766, HR 3857, HR 3866, HR 3971, HR 3978, HR 4081, HR 4296, HR 4439, HR 4464, HR 4499, HR 4545, HR 4648, HR 4651, HR 4743, HR 4746, HR 4764, HR 4771, HR 4790, HR 4861, HR 4905, HR 5076, HR 5166, HR 5266, HR 5288, HR 5470, HR 5474, HR 5484, HR 5502, HR 5659, HR 5673, HR 5793, HR 5877, HR 5993, HR 6068, HR 6102, HR 6147, HR 6158, HR 6163, HR 6192, HR 6411, HR 6531, HR 6625, HR 6743, HR 6746, HR 6789, HR 6858, HR 6861, HR 6892, HR 6972; HJ Res 62, HJ Res 73, HJ Res 122, HJ Res 132; S 21, S 105, S 223, SJ Res 19, S 365, S 366, S 370, S 387, S 488, S 563, S 567, S 836, S 838, S 1002, S 1152, S 1264, S 1284, S 1313, S 1315, S 1368, S 1389, S 1499, S 1571, S 1579, S 1642, S 1753, S 1810, S 1962, S 1982, S 2171, S 2237, S 2289, S 2362, S 2375, S 2417, S 2490, S 2701, S 2702, S 2862, S 3032, S 3040, S 3070, S 3128, S 3139, S 3334, S 3343, S 3443; SJ Res 47 SJ Res 56, SJ Res 57; data security and cybersecurity: patent reform; FHLB membership rules; CFPB and FSOC reform; and GSE reform.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HJRes 111 - CFPB Arbitration Rule HJRes 62 - CFPB Prepaid Rule HJRes 73 - CFPB Prepaid Rule HR 10 - The Financial CHOICE Act of 2017 HR 1116 - Tipton - TAILOR Act HR 1153 - Mortgage Choice Act of 2017 HR 1457 - MOBILE Act of 2017 HR 2133 - CLEARR Act of 2017 HR 2148 - Pittenger - HVCRE clarifications HR 238 - Commodity End-User Relief Act HR 3280 - House FSGG Appropriations 2018 HR 3299 - McHenry - Valid When Made Bill HR 3312 - Luetkemeyer - SIFI Threshold Bill HR 3857 - Wagner - PASS Act (DOL Fiduciary repeal and replace bill) HR 3860 - IRS Tax Transcript Access HR1813 - Border Wall Funding Act of 2017 S. 1002 - CLEAR Act S. 105 - Consumer Financial Protection Board Act of 2017 S. 223 - Senior$afe Act of 2017 S. 366 - TAILOR Act of 2017 SJRes 19 - CFPB Prepaid Rule SJRes 47 - CFPB Arbitration Rule S. 1893 - Bank SIFI Threshold S. 2155 - Economic Growth, Regulatory Relief, and Consumer Protection Act H.J.Res.122 - Resolution of Disapproval CFPB Payday Lending Rule HR 1 - Tax Cuts and Jobs Act H.R. 2148 - Clarifying Commercial Real Estate Loans S. 2405 - Clarifying Commercial Real Estate Loans S. 2498, the Protecting Children From Identity Theft Act H.R. 5192, the Protecting Children From Identity Theft Act H.R. 5266 - CFPB Commission HR 3354 / HR 238 - Interaffilite Swap Provisions S. 1642 - Valid When Made S. 1958 - Tax Transcripts S. 2854 - The MOBILE Act HR 6068 - BSA/AML Reform HR 4790 - Volcker Harmonization S. 2098 - FIRRMA HR 6258 / S. 3107 - FSGG Appropriations 2019 (swaps & Volcker issues) H.R.5961 Agriculture Appropriations Act, 2019 HR 6158 - Brokered Deposits

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

Government targets: Consumer Financial Protection Bureau (CFPB), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Natl Economic Council (NEC), SENATE, Treasury, Dept of

S.708 Regulatory Improvement Act (Establishes the legislative branch the Regulatory Improvement Commission.) S.774 Financial Institutions Examination Fairness and Reform Act (Amends the Federal Financial Institutions Examination Council Act of 1978 to require a federal financial institutions regulatory agency to make a final examination report to a financial institution within 60 days of the later of: (1) the exit interview for an examination of the institution, or (2) the provision of additional information by the institution relating to the examination.) S.1484 Financial Regulatory Improvement Act of 2015 (amends the Gramm-Leach-Bliley Act to exempt from the requirement to provide consumers with an annual written disclosure of their privacy policy certain financial institutions that provide nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution.) S.1491 Community Lender Regulatory Relief and Consumer Protection Act of 2015 (amends the Truth in Lending Act, Gramm0Leach Bliley Act, FDI Act, FHLB Act, and the Securities Exchange Act) S.1607 the Independent Agency Regulatory Analysis Act of 2015 (A bill to affirm the authority of the President to require independent regulatory agencies to comply with regulatory analysis requirements applicable to executive agencies, and for other purposes.) S. 1647 Developing a Reliable and Innovative Vision for the Economy Act (amend title 23, United States Code, to authorize funds for Federal-aid highways and highway safety construction programs, and for other purposes.) S.1773 Consumer Reporting Fairness Act of 2015 (amend title 11, United States Code, to require creditors to inform consumer reporting agencies that certain debts have been discharged in bankruptcy cases.) S.1818 Principled Rulemaking Act (revises the federal agency rulemaking process to require a agencies to promulgate only rules (defined to exclude agency actions involving a military or foreign affairs function of the United States or a matter relating to agency management or personnel or to public property, loans, grants, benefits, or contracts) that are required by law, necessary to interpret a law, or made necessary by public need, to protect or improve the health and safety of the public, the environment, or the wellbeing of the people of the United States.) S.1820 Early Participation in Regulations Act (bill directs an agency, not later than 90 days before publishing a notice of proposed rule making for a major rule in the Federal Register, to publish advance notice of proposed rule making for such rule,) S.1817 Smarter Regulations Through Advance Planning and Review Act (requires a federal agency, when publishing a proposed major rule and when publishing a final major rule, to include a framework for assessing the rule) S.1958 Christopher Bryski Student Loan Protection Act (establish additional protections and disclosures for students and co-signers with respect to student loans, and for other purposes.) S.2038 Jumpstart GSE reform Act (prohibits the use of an increase in the guarantee fee required to be charged by the Federal National Mortgage Association (Fannie Mae), the Federal Home Loan Mortgage Corporation (Freddie Mac), or any affiliate of such organizations (enterprises) to offset an increase in outlays or a reduction in revenues for any purposes other than those related to the enterprises' business functions) S.2663 Reforming CFPB Indirect Auto Financing Guidance Act (declares without force or effect Consumer Financial Protection Bureau (CFPB) Bulletin 2013-02 (Indirect Auto Lending and Compliance with the Equal Credit Opportunity Act), published March 21, 2013.) S.J. Res. 19 - 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 prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act. (CRA) S.552: Justice for Victims of Fraud Act (This bill amends the Truth in Lending Act and the Electronic Fund Transfer Act to prohibit predispute arbitration agreements with consumers (i.e., agreements to arbitrate any future disputes between parties instead of pursuing the claims in court) from being valid or enforceable in disputes related to credit card accounts or personal bank accounts that are not subject to a final judgment by a court if the credit card or bank account was not issued in response to a request or application for that account.) S. 537: Arbitration Fairness Act (prohibits a predispute arbitration agreement from being valid or enforceable if it requires arbitration of an employment, consumer, antitrust, or civil rights dispute.) S.550: Restoring Statutory Rights and Interests of the States Act (amends the Federal Arbitration Act to invalidate arbitration agreements between parties in certain commercial contracts or transactions if they require arbitration of a claim for damages or injunctive relief brought by an individual or small business arising from the alleged violation of a federal or state statute, the U.S. Constitution, or a state constitution, unless the written agreement to arbitrate is entered into by both parties after the claim has arisen and pertains solely to an existing claim.) S.553: Court Legal Access and Student Support (CLASS) Act (makes procedures for the enforcement of arbitration agreements inapplicable to an enrollment agreement between a student and an institution of higher education (IHE).) S.647: Mandatory Arbitration Transparency Act (prohibits predispute arbitration agreements from containing a confidentiality clause regarding an employment, consumer, or civil rights dispute that could be interpreted to prohibit a party from: (1) making a communication in a manner such that the prohibition would violate a whistle-blower statute; or (2) reporting or making a communication about tortious conduct, unlawful conduct, or issues of public policy or public concern. ) S.646: Justice for Servicemembers Act (authorizes the Department of Justice (DOJ) to initiate an action for relief in a service member's employment or reemployment rights action with respect to: (1) a private or state employer, or (2) a state or private employer that is engaged in a pattern or practice to infringe upon such rights.) S.951 - Regulatory Accountability Act of 2017 (codifies and revises notice-and-comment rulemaking procedures to require federal agencies to consider: (1) whether a rulemaking is required by statute or is within the discretion of the agency, (2) whether existing federal laws or rules could be amended or rescinded to address the problem, and (3) reasonable alternatives for a new rule.) S.1642, Protecting Consumers Access to Credit Act of 2017 (amends the Revised Statutes, the Home Owners' Loan Act, the Federal Credit Union Act, and the Federal Deposit Insurance Act to state that bank loans that are valid when made as to their maximum rate of interest in accordance with federal law shall remain valid with respect to that rate regardless of whether a bank has subsequently sold or assigned the loan to a third party.0 S.J.Res.47 - A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Arbitration Agreements" S. 1659, the Protecting Consumers from Unreasonable Credit Rates Act (amends the Truth in Lending Act to prohibit a creditor from extending credit to a consumer under an open end consumer credit plan (credit card) for which the fee and interest rate exceeds 36%.) S.2155, Economic Growth, Regulatory Relief, and Consumer Protection Act (bill aimed at rolling back financial regulations concerning banks and other financial institutions) S.J. Res. 57 A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Indirect Auto Lending and Compliance with the Equal Credit Opportunity Act" H.R. 4, makes revisions to Federal law to improve the conditions necessary for economic growth and job creation, and other purposes. H.R. 37, makes technical corrections to the Dodd-Frank Wall Street Reform and Consumer Protection Act, to enhance the ability of small and emerging growth companies to access capital through public and private markets, to reduce regulatory burdens, and other purposes. H.R. 50, provides for additional safeguards with respect to imposing Federal mandates, & other purposes. H.R. 113, improves the accountability and transparency of the Board of Governors of the Federal Reserve System, and for other purposes. H.R. 185, reforms the process by which Federal agencies analyze and formulate new regulations and guidance documents. H.R. 347, amends the Credit Repair Organizations Act to exempt certain consumer reporting agencies, and for other purposes. H.R. 367, amends chapter 8 of title 5, United States Code, to provide that major rules of the executive branch shall have no force or effect unless a joint resolution of approval is enacted into law. H.R. 427, amends chapter 8 of title 5, United States Code, to provide that major rules of the executive branch shall have no force or effect unless a joint resolution of approval is enacted into law. H.R. 527, amends chapter 6 of title 5, United States Code (commonly known as the Regulatory Flexibility Act), to ensure complete analysis of potential impacts on small entities of rules, and for other purposes. H.R. 650, amends the Truth in Lending Act to modify definitions of a mortgage originator & high-cost mortgage. H.R. 685, amends the Truth in Lending Act to improve upon the definitions provided for points and fees in connection with a mortgage transaction. H.R. 766, provides requirements for the appropriate Federal banking agencies when requesting or ordering a depository institution to terminate a specific customer account, to provide for additional requirements related to subpoenas issued under the Financial Institutions Reform, Recovery, and Enforcement Act of 1989, and for other purposes. H.R. 899, provides for additional safeguards with respect to imposing Federal mandates, and for other purposes. H.R. 957, requires Senate confirmation of Inspector General of the Bureau of Consumer Financial Protection, and other purposes. H.R. 1090, amends the Securities Exchange Act of 1934 to provide protections for retail customers, and for other purposes. H.R. 1195, amends the Consumer Financial Protection Act of 2010 to establish advisory boards, other purposes H.R. 1210, amends the Truth in Lending Act to provide a safe harbor from certain requirements related to qualified mortgages for residential mortgage loans held on an originating depository institution's portfolio, and for other purposes. H.R. 1259, provides for an application process for interested parties to apply for an area to be designated as a rural area, and for other purposes. H.R. 1261, amends the Consumer Financial Protection Act of 2010 to bring the Bureau of Consumer Financial Protection into the regular appropriations process, and for other purposes. H.R. 1264, provides an exemption from rules and regulations of the Bureau of Consumer Financial protection for community financial institutions, and for other purposes. H.R. 1265, applies the requirements of the Federal Advisory Committee Act to the Bureau of Consumer Financial Protection. H.R. 1266, amends the Consumer Financial Protection Act of 2010 to make the Bureau of Consumer Financial Protection an independent Financial Product Safety Commission, and for other purposes. H.R. 1413, terminates Operation Choke Point. H.R. 1493, imposes certain limitations on consent decrees and settlement agreements by agencies that require the agencies to take regulatory action in accordance with the terms thereof, and for other purposes. H.R. 1529, amends the Truth in Lending Act and the Real Estate Settlement Procedures Act of 1974 to modify the requirements for community financial institutions with respect to certain rules relating to mortgage loans, and for other purposes. H.R. 1553 amends the Federal Deposit Insurance Act to specify which smaller institutions may qualify for an 18-month examination cycle. H.R. 1660, amends the Home Owners' Loan Act to allow Federal savings associations to elect to operate as national banks, and for other purposes. H.R. 1737, nullifies certain guidance of the Bureau of Consumer Financial Protection and to provide requirements for guidance issued by the Bureau with respect to indirect auto lending. H.R. 1799, amends the Real Estate Settlement Procedures Act of 1974 to prohibit certain financial benefits for referrals of business and to improve the judicial relief for certain violations, & other purposes. H.R. 1941, improves the examination of depository institutions, and for other purposes. H.R. 2213, provides for a temporary safe harbor from the enforcement of integrated disclosure requirements for mortgage loan transactions under the Real Estate Settlement Procedures Act of 1974 and the Truth in Lending Act, and for other purposes. H.R. 2029, makes appropriations for military construction, the Department of Veterans Affairs, and related agencies for the fiscal year ending September 30, 2016, and for other purposes. H.R. 2243, suspends the current compensation packages for the senior executives of Fannie Mae and Freddie Mac and establish compensation for such positions in accordance with rates of pay for senior employees in the Executive Branch of the Federal Government, and for other purposes. H.R. 2354, directs the Securities and Exchange Commission to review all its significant regulations to determine whether such regulations are necessary in the public interest or whether such regulations should be amended or rescinded. H.R. 4294, amends the Internal Revenue Code of 1986 to ensure that retirement investors receive advice in their best interests, and for other purposes. H.R. 2542 amends chapter 6 of title 5, United States Code (commonly known as the Regulatory Flexibility Act), to ensure complete analysis of potential impacts on small entities of rules, and for other purposes. H.R. 2683, amends the Fair Credit Reporting Act to delay the inclusion in consumer credit reports and to establish requirements for debt collectors with respect to medical debt information of veterans due to inappropriate or delayed billing payments or reimbursements from the Department of Veterans Affairs, and for other purposes. H.R. 2577, makes appropriations for the Departments of Transportation, and Housing and Urban Development, and related agencies for the fiscal year ending September 30, 2016, and for other purposes. H.R. 2804, amends title 5, United States Code, to require the Administrator of the Office of Information and Regulatory Affairs to publish information about rules on the Internet, and for other purposes. H.R. 3035, amends the Fair Credit Reporting Act to clarify Federal law with respect to reporting certain positive consumer credit information to consumer reporting agencies, and for other purposes. H.R. 3189. amends the Federal Reserve Act to establish requirements for policy rules and blackout periods of the Federal Open Market Committee, to establish requirements for certain activities of the Board of Governors of the Federal Reserve System, and to amend title 31, United States Code, to reform the manner in which the Board of Governors of the Federal Reserve System is audited, & other purposes. H.R. 3192, provides for a temporary safe harbor from the enforcement of integrated disclosure requirements for mortgage loan transactions under the Real Estate Settlement Procedures Act of 1974 and the Truth in Lending Act, and for other purposes. H.R. 3438, amends title 5, United States Code, to postpone the effective date of high-impact rules pending judicial review. H.R. 3634, establishes student loan borrowers' rights to basic consumer protections, reasonable and flexible repayment options, access to earned credentials, and effective loan cancellation in exchange for public service, and for other purposes. H.R. 4018, amends the Truth in Lending Act to establish deferred presentment transaction requirements, and other purposes. H.R. 4293, amends the Employee Retirement Income Security Act of 1974 to ensure that retirement investors receive advice in their best interests, and for other purposes. H.R. 4439, amends the Revised Statutes, the Bank Service Company Act, the Federal Deposit Insurance Act, and the Home Owners' Loan Act to clarify that the role of the insured depository institution as lender and the location of an insured depository institution under applicable law are not affected by any contract between the institution and a third-party service provider, and to clarify that Federal preemption of State usury laws applies to any loan to which an insured depository institution is the party to which the debt is initially owed according to its terms, and other purposes. H.R. 4550, amends the Fair Debt Collection Practices Act to exclude law firms and licensed attorneys who are engaged in activities related to legal proceedings from the definition of a debt collector, to amend the Consumer Financial Protection Act of 2010 to prevent the Bureau of Consumer Financial Protection from exercising supervisory or enforcement authority with respect to attorneys when undertaking certain actions related to legal proceedings, and other purposes. H.R. 4648, delays the effective date of certain regulations relating to home mortgage disclosures, to suspend certain data sharing requirements, and other purposes. H.R. 4725, amends the Federal Deposit Insurance Act to require short form call reports for certain depository institutions. H.R. 4768, amends title 5, United States Code, to clarify the nature of judicial review of agency interpretations of statutory and regulatory provisions. H.R. 4986, amends certain banking statutes in response to Operation Choke Point. H.R. 5143, provides greater transparency and congressional oversight of international insurance standards setting processes, and for other purposes. H.R. 5485, makes appropriations for financial services and general government for the fiscal year ending September 30, 2017, and for other purposes. H.R. 5982, amends chapter 8 of title 5, United States Code, to provide for en bloc consideration in resolutions of disapproval for "midnight rules", and for other purposes. Fiscal Year 2016 spending bills for the Department of Justice (CJS) Makes appropriations for the Departments of Commerce and Justice, Science, and Related Agencies for the fiscal year ending September 30, 2016, and for other purposes. Fiscal Year 2016 spending bills for the Department of Housing and Urban Development (THUD), Bill will fund critical infrastructure and safety programs, provide responsible levels of funding for low-income housing Fiscal Year 2017 Commerce, Justice, Science Funding Bill, Bill targets funding to law enforcement and national security efforts, economic development, and fundamental research activities H.R. 21 -Midnight Rules Relief Act of 2017, amends chapter 8 of title 5, United States Code, to provide for en bloc consideration in resolutions of disapproval for "midnight rules", and for other purposes. H.R. 26 -Executive Need of Scrutiny Act of 2017 (REINS Act), amends chapter 8 of title 5, United States Code, to provide that major rules of the executive branch shall have no force or effect unless a joint resolution of approval is enacted into law. H.R. 5 -Regulatory Accountability Act of 2017 (RAA), reforms the process by which Federal agencies analyze and formulate new regulations and guidance documents, to clarify the nature of judicial review of agency interpretations, to ensure complete analysis of potential impacts on small entities of rules, and for other purposes. H.J. Res. 73 - 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 prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act. (CRA) H.R. 1424, amends the Truth in Lending Act and the Electronic Fund Transfer Act to provide justice to victims of fraud. H.R. 1374, amends title 9 of the United States Code with respect to arbitration. H.R. 1396, restores statutory rights to the people of the United States from forced arbitration. H.R. 985, amends the procedures used in Federal court class actions and multidistrict litigation proceedings to assure fairer, more efficient outcomes for claimants and defendants, and for other purposes. H.R. 585, amends the Securities Exchange Act of 1934 to prohibit mandatory pre-dispute arbitration agreements, & other purposes. H.R. 864, (Rep. Love), amends the Fair Debt Collection Practices Act to restrict the debt collection practices of certain debt collectors H.R. 924, (Rep. Rothfus), amends the Federal Financial Institutions Examination Council Act of 1978 to establish a three-judge independent examination review panel. H.R. 1457, (Rep. Tipton), the Making Online Banking Initiation Legal and Easy Act of 2017 (To establish requirements for use of a driver's license or personal identification card by certain financial institutions for opening an account or obtaining a financial product or service, and for other purposes.) H.R. 2133, (Rep. Luetkemeyer), the Community Lending Enhancement and Regulatory Relief Act of 2017 (CLEARR act) (To provide regulatory relief to community financial institutions, and for other purposes.) H.R. 2226, (Rep. Barr), the Portfolio Lending and Mortgage Access Act (amends the Truth in Lending Act to allow a depository institution or credit union with assets below a specified threshold to forgo certain ability-to-pay requirements regarding residential mortgage loans) H.R. 2396, (Rep. Trott), the Privacy Notification Technical Correction Act (amends section 503 of the Gramm-Leach Bliley Act. H.R. 3221, (Rep. Kustoff), the Access to Affordable Mortgages Act of 2017 (Sec. 2) amends the Truth in Lending Act and the Financial Institutions Reform, Recovery, and Enforcement Act of 1989 to exempt from property appraisal requirements a mortgage loan of $250,000 or less if it appears on the loan creditor's balance sheet for at least three years.) H.R. 6792 -Consumers First Act -Draft bill H.R. ___ To amend the Economic Growth, Regulatory Relief, and Consumer Protection Act to clarify seasoning requirements for certain refinanced mortgage loans, and for other purposes -H.R. 134 - To amend title 11 of the United States Code with respect to modification of certain mortgages on principal residences, and for other purposes H.R. __, (Rep. Hollingsworth), the Ensuring Quality Unbiased Access to Loans Act of 2017 (To nullify certain guidance on deposit advance products and to amend the Federal Deposit Insurance Act to provide the appropriate Federal banking agencies with additional requirements when issuing such guidance, and for other purposes.) H.R. __, (Rep. Tenney), to simplify the process for national banks to obtain deposit insurance, & other purposes. House Appropriations Financial Services and General Government Financial Services Bill H.R. 1116, Taking Account of Institutions with Low Operation Risk (TAILOR) Act of 2017 (This bill requires federal financial regulatory agencies to: (1) tailor any regulatory actions so as to limit burdens on the institutions involved, with consideration of the risk profiles and business models of those institutions; and (2) report to Congress on specific actions taken to do so, as well as on other related issues. The bill's tailoring requirement applies not only to future regulatory actions but also to regulations adopted within the last seven years.) H.R. 1699, Preserving Access to Manufactured Housing Act of 2017 (amends the Truth in Lending Act (TILA) to specify that a retailer of manufactured housing is generally not a "mortgage originator" subject to requirements under that Act. Similarly, the bill amends the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 to specify that such a retailer is generally not a "loan originator" subject to requirements under that Act.) H.R. 2954, Home Mortgage Disclosure Adjustment Act (amends the Home Mortgage Disclosure Act of 1975 to exempt a depository institution from certain records and disclosure requirements related to the itemization of loan data: (1) with respect to closed-end mortgage loans, if the depository institution originated fewer than 500 such loans in each of the two preceding years; and (2) with respect to open-end lines of credit, if the depository institution originated fewer than 500 such lines of credit i

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

Government targets: Consumer Financial Protection Bureau (CFPB), Education, Dept of, Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Housing & Urban Development, Dept of (HUD), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), Natl Economic Council (NEC), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), Treasury, Dept of, White House Office

Issues related to credit union operations Issues related to credit union field of membership Issues related to credit union service organizations Issues related to vacancies on the National Credit Union Administration (NCUA) Board Issues related to NCUAs low income designation regulations Issues related to NCUA examination procedures Issues related to NCUAs regulation regarding its regulatory flexibility program Issues related to NCUAs proposed rule regarding emergency liquidity Issues related to NCUAs rulemaking process Issues related to NCUAs risk-based capital rule Issues related to NCUAs Advanced Notice of Proposed Rulemaking on Alternative Capital Issues related to NCUAs rule on securitization Issues related to NCUAs regulatory review process Issues related to NCUAs rule on Member Business Lending Issues related to Federal Credit Union bylaws Issues relating to home-based credit unions Issues related to credit union loan maturity restrictions Issues related to credit union investment authority Issues related to Regulation of Federal Credit Union by-laws Issues related to credit unions incidental powers Issues related to credit unions ability to offer prepaid cards Issues related to credit union service to marijuana businesses Issues related to material loss reports of the NCUA Office of Inspector General Issues related to the regulation of corporate credit unions Issues related to 1-4 Family Non-Owner Occupied Residential Loan Treatment as Residential Rather than Business Loans Issues related to the use of Eminent Domain to Seize Performing Mortgage Loans Issues related to fixed assets Issues related to credit union conversions Issues related to credit union call report modernization Issues related to premium assessments by the National Credit Union Share Insurance, NCUA Issues related to NCUAs Corporate Credit Union Stabilization Plan Issues related to NCUAs budget and the overhead transfer rate Issues related to Credit Union Service Organizations (CUSO) Issues related to the authority of the CFPB to exempt credit unions from its rulemaking Issues related to the CFPB rule to remittances and international wire transfers Issues related to CFPBs Leadership Structure and Installing a Board Rather than Director Issues related to funding the CFPB through the Appropriations Process Issues related to increasing the CFPB Supervisory Threshold Issues related to conducting a cost-benefit analysis of all CFPB Proposals Issues related to codifying the CFPBs Credit Union Advisory Council Issues related to requiring SBREFA Panels for CFPB Rulemakings Issues related to standardizing the definition of mortgage originator Issues related to overdraft protection and check ordering practices Issues related to mortgage servicing Issues related to mortgage loan originator compensation and qualifications Issues related to high-cost mortgage loans (HOEPA) Issues related to the CFPBs rule regarding qualified mortgage / ability to repay Issues related to reverse mortgages Issues related to the CFPBs regulation on Home Mortgage Disclosure Act (Regulation C) Issues related to the CFPBs regulation on Truth-in-Lending Act / Real Estate Settlement Procedures Act Integrated Disclosures Issues related to the payday, vehicle title, and similar lending Issues related to short term lending products and advance deposit products Issues related to the CFPBs consumer complaint database Issues related to the Department of Justices investigation entitled, Operation Choke Point Issues related to the Department of Defense proposal regarding Credit Extending to Service Members under MLA Issues related to indirect auto lending Issues related to credit union service to unbanked and underbanked consumers Issues related to the United States Postal Service Office of Inspector General report related to role of the postal service in financial services Issues related to the CFPB's proposal on arbitration Issues related to the Financial Accounting Standards Board (FASB) Issues related to mark-to-market accounting Issues related to private equity standards Issues related to data and cyber security Issues related to mobile banking and mobile payments Issues related to identity theft and fraud reduction Issues related to secure payments Issues related to merchant data breaches Issues related to the payments system Issues related to Federal Reserve Regulatory D Issues related to the Feds implementation of same-day ACH Issues related to the Bank Secrecy Act and Currency Transaction Reporting Requirements Issues related to the oversight of the Federal Housing Administration Issues related to USDA Rural Development Loan program Issues related to the Federal Home Loan Bank System Issues related to Fannie Mae capital Issues related to membership eligibility in the Federal Home Loan Bank System Issues related to financial literacy Issues related to Housing Finance Reform Issues related to student lending Issues related to the Economic Growth and Regulatory Paperwork Reduction Act process Issues related to retirement security Issues related to flood insurance Issues related to consumers access to records Issues related to economic growth Issues related to the National Credit Union Administration's Advance Notice of Proposed Rulemaking for Supplemental Capital Issues related to Interchange Fees Issues related to the funding of the National Credit Union Administration Issues related to the consumer notification of privacy standards Issues related to the Equal Credit Opportunity Act Issues related to the Fair Housing Act Issues related to the merger of credit unions Issues related to the Real Estate Settlement Procedures Act Issues related to the transfer of leadership at the Consumer Financial Protection Bureau Issues related to Community Reinvestment Act Issues related to Regulation Z Issues related to Military Lending Act Issues related to Financial Technology Issues related to Small Business Lending Data collection requirements Issues related to Involuntary liquidation of Federal Credit Unions and Claims procedures Issues related to Web-Based Quantitative Testing of Point of Sale / ATM Overdraft Disclosure Forms Issues related to residential appraisals Issues related to FHA appraisal certification Issues related to the nomination of Kathy Kraninger to the BCFP Issues related to GSE/Housing Finance Reform Issues related to FHA and USDA Loan Modifications Issues related to payments innovation Issues related to Faster payments Issues related to the Department of Treasury's Bluespring for a Modernized Financial Issues related to the Fair Credit Reporting Act Issues related to Treasure and IRS actions on the implementation of HR 1, the Tax Cuts and Job Act H.J. Res 111, a resolution providing for congressional disapproval under chapter 8 title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to "Arbitration Agreements" H.Con.Res. XX, a concurrent budget resolution for FY 2019-general issues H.R. 10, the Financial CHOICE Act H.R. 26, the Regulations in Need of Scrutiny Act, all provisions H.R. 389, the Credit Union Residential Loan Parity Act, all provisions H.R. 924, the Financial Institutions Due Process Act H.R. 1116, the Taking Account of Institutions with Low Operation Risk Act (TAILOR), all provisions H.R. 1153, the Mortgage Choice Act of 2017, all provisions H.R. 1244, the Capital Access for Small Businesses and Jobs Act, all provisions H.R. 1264, the Community Financial Institution Exemption Act, all provisions H.R. 1457, the MOBILE Act, all provisions H.R. 1585, the Mutual Bank Capital Opportunity Act, all provisions H.R. 1958, the Protections Affordable Coverage for Employees (PACE) Act, all provisions H.R. 2054, Protecting Americans from Credit Entanglements Act of 2017 H.R. 2133, the Community Lending Enhancement and Regulatory Relief Act, all provisions H.R. 2204, the Homeowner Information Privacy Protection Act, all provisions H.R. 2226, the Portfolio Lending and Mortgage Access Act, all provisions H.R. 2359, Fair Credit Reporting Act Liability Harmonization H.R. 2396, the Privacy Notification Technical Correction Act H.R. 2706, the Financial Institution Customer Protection Act, all provisions H.R. 2954, the Home Mortgage Disclosure Adjustment Act H.R. 3072, the Bureau of Consumer Financial Protection Examination and Reporting Threshold, all provisions H.R. 3089, the Corporate Transparency Act H.R. 3221, the Securing Access to Affordable Mortgages Act, all provisions H.R. 3299, the Protecting Consumers Access to Credit Act of 2017, all provisions H.R. 3746, the Business of Insurance Regulatory Reform Act of 2017 H.R. 3758, the Senior Safe Act of 2017 H.R. 3857, the PASS: Protecting Advice for Small Savers Act, all provisions H.R. 3866, to amend the Federal Credit Union Act to exclude extensions of credit made to veterans from the definition of a member business loan, all provisions H.R. 3911, the Risk-Based Credit Examination Act, all provisions H.R. 3971, the Community Institution Mortgage Relief Act of 2017 H.R. 3978, To amend the Real Estate Settlement Procedures Act of 1974 to modify requirements related to mortgage disclosures, and for other purposes H.R. 4464, the Common Sense Credit Union Capital Relief Act of 2017, all provisions H.R. 4545, the Financial Institutions Examination Fairness and Reform Act, all provisions H.R. 4607, the Comprehensive Regulatory Review Act, all provisions H.R. 4648, the Home Mortgage Reporting Relief Act of 2017, all provisions H.R. 5078, the TRID Improvement Act of 2018, all provisions H.R. 5266, the Financial Product Safety Commission Act of 2018, all provisions H.R. 5288, the Common Sense Credit Union Capital Relief Act of 2018, all provisions H.R. 5515, The John S. McCain National Defense Authorization Act, provisions related to financial service branches on military bases H.R. 5534, the Give Useful Information to Define Effective Compliance Act, all provisions H.R. 5952, Commerce, Justice, Science and Related Agencies Appropriations, Title II H.R. 6068, the Counter Terrorism and Illicit Finance Act, all provisions H.R. 6147, the Financial Services and General Government Appropriations Act for Fiscal Year 2019, all provisions H.R. 6385, Department of State, Foreign Operations, and Related Programs, Title I H.R. 6743, the Consumer Information Notification Requirement Act, all provisions H.R. 6850, the Financial Reporting Threshold Modernization Act , all provisions S.J. Res. 47, a resolution providing for congressional disapproval under Chapter 8 title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to "Arbitration Agreements" S. 21, the Regulations in Need of Scrutiny Act, all provisions S. 223, the Senior $afe Act, all provisions S. 366, the Taking Account of Institutions with Low Operation Risk (TAILOR) Act, all provisions S. 836, the Credit Union Residential Loan Parity Act, all provisions S. 838, the Protecting Affordable Coverage for Employees (PACE) Act, all provisions S. 869, Protecting Americans from Credit Entanglements Act of 2017 S. 1002, CLEAR Relief Act of 2017, all provisions S. 1310, Home Mortgage Disclosure Adjustment Act S. 1579, the Bureau of Consumer Financial Protection Advisory Board Enhancement Act S. 2155, Economic Growth, Regulatory Relief, and Consumer protection Act, all provisions S. 2237, the Financial Institution Examination Fairness Reform Act, all provisions S. 2463, Better Utilization of Investments Leading to Development (BUILD) Act S.J.Res. 19, 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 prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act, all provisions Legislation contemplated by House Financial Services Committee Chairman Jeb Hensarling entitled the Financial Creating Hope and Opportunity for Investors, Consumer and Entrepreneurs (CHOICE) Act, provisions impacting credit unions, the National Credit Union Administration and the Consumer Financial Protection Bureau. Title XVII of the House Amendment to S. 488, the JOBS and Investor Confidence Act of 2018

Client expense: $1,020,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Consumer Financial Protection Bureau (CFPB), Executive Office of the President (EOP), Federal Communications Commission (FCC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), SENATE, Small Business Administration (SBA), Treasury, Dept of, Veterans Affairs, Dept of (VA)

Mobile payments, fraud, data security, data storage regulatory reform, tax reporting, payments systems, cyber-security, financial services, merchant cash advances, privacy, the Federal Reserve and big data, CFPB prepaid products rule (Prepaid Accounts Under Direct Electronic Transfer Act {Regulation E} and the Truth in Lending Act), Federal Reserve Secure Payments Task Force, Marketplace lending, H.R. 10-Financial Choice Act of 2017, H.J. Res. 62/72-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 prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act, S.J.Res.19 - 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 prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act, H. R. 1801-To delay the effective date of the final rule of the Bureau of Consumer Financial Protection titled Prepaid Accounts under the Electronic Fund Transfer Act (Regulation E) and the Truth In Lending Act (Regulation Z)", S. 387-Consumer Financial Protection Bureau Accountability Act of 2017, S. 626-CFPB-IG Act of 2017. CFPB Governance Structure. H.J.Res. 111, Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Arbitration Agreements." S.J.Res. 47, A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Arbitration Agreements". H.R. 4439, Modernizing Credit Opportunities Act of 2017. H.R. 3299, Protecting Consumers' Access to Credit Act of 2017. S. 1642, Protecting Consumers' Access to Credit Act of 2017. H.R. 3354, Make America Secure & Prosperous Appropriations Act. H.R. 6743, Consumer Information Notification Requirement Act. H.R. 6850, Financial Reporting Threshold Modernization Act.

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

Government targets: Consumer Financial Protection Bureau (CFPB), Council of Economic Advisers (CEA), Federal Communications Commission (FCC), Federal Reserve System, Federal Trade Commission (FTC), Financial Crimes Enforcement Network (FinCEN), HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Economic Council (NEC), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of, U.S. Trade Representative (USTR)

Supplemental capital issues, regulatory issues for credit unions and tax exemption status: HR 10, HR 389, HR 1018, HR 1031, HR 1116, HR 1153, HR 1244, HR 1264, HR 1401, HR 1422, HR 1423, HR 1426, HR 1457, HR 1699, HR 1801, HR 1958, HR 1964, HR 2133, HR 2170, HR 2215, HR 2226, HR 2246, HR 2359, HR 2403, HR 2553, HR 2570, HR 2706, HR 2793, HR 2868, HR 2874, HR 2875, HR 2877, HR 2890, HR 2954, HR 3072, HR 3110, HR 3221, HR 3312, HR 3354, HR 3746, HR 3758, HR 3766, HR 3857, HR 3866, HR 3971, HR 3978, HR 4081, HR 4296, HR 4439, HR 4464, HR 4499, HR 4545, HR 4648, HR 4651, HR 4743, HR 4746, HR 4764, HR 4771, HR 4790, HR 4861, HR 4905, HR 5076, HR 5166, HR 5266, HR 5288, HR 5470, HR 5474, HR 5484, HR 5502, HR 5659, HR 5673, HR 5793, HR 5877, HR 5993, HR 6068, HR 6102, HR 6147, HR 6158, HR 6163, HR 6192, HR 6411, HR 6531, HR 6625, HR 6743, HR 6746, HR 6789, HR 6858, HR 6861, HR 6892, HR 6972; HJ Res 62, HJ Res 73, HJ Res 122, HJ Res 132; S 21, S 105, S 223, SJ Res 19, S 365, S 366, S 370, S 387, S 488, S 563, S 567, S 836, S 838, S 1002, S 1152, S 1264, S 1284, S 1313, S 1315, S 1368, S 1389, S 1499, S 1571, S 1579, S 1642, S 1753, S 1810, S 1962, S 1982, S 2155, S 2171, S 2237, S 2289, S 2362, S 2375, S 2417, S 2490, S 2701, S 2702, S 2862, S 3032, S 3040, S 3070, S 3128, S 3139, S 3334, S 3343, S 3443; SJ Res 47 SJ Res 56, SJ Res 57; data security and cybersecurity: patent reform; FHLB membership rules; CFPB and FSOC reform; and GSE reform.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HJRes 111 - CFPB Arbitration Rule HJRes 62 - CFPB Prepaid Rule HJRes 73 - CFPB Prepaid Rule HR 10 - The Financial CHOICE Act of 2017 HR 1116 - Tipton - TAILOR Act HR 1153 - Mortgage Choice Act of 2017 HR 1457 - MOBILE Act of 2017 HR 2133 - CLEARR Act of 2017 HR 2148 - Pittenger - HVCRE clarifications HR 238 - Commodity End-User Relief Act HR 3280 - House FSGG Appropriations 2018 HR 3299 - McHenry - Valid When Made Bill HR 3312 - Luetkemeyer - SIFI Threshold Bill HR 3857 - Wagner - PASS Act (DOL Fiduciary repeal and replace bill) HR 3860 - IRS Tax Transcript Access HR1813 - Border Wall Funding Act of 2017 S. 1002 - CLEAR Act S. 105 - Consumer Financial Protection Board Act of 2017 S. 223 - Senior$afe Act of 2017 S. 366 - TAILOR Act of 2017 SJRes 19 - CFPB Prepaid Rule SJRes 47 - CFPB Arbitration Rule S. 1893 - Bank SIFI Threshold S. 2155 - Economic Growth, Regulatory Relief, and Consumer Protection Act H.J.Res.122 - Resolution of Disapproval CFPB Payday Lending Rule HR 1 - Tax Cuts and Jobs Act H.R. 2148 - Clarifying Commercial Real Estate Loans S. 2405 - Clarifying Commercial Real Estate Loans S. 2498, the Protecting Children From Identity Theft Act H.R. 5192, the Protecting Children From Identity Theft Act H.R. 5266 - CFPB Commission HR 3354 / HR 238 - Interaffilite Swap Provisions S. 1642 - Valid When Made S. 1958 - Tax Transcripts S. 2854 - The MOBILE Act HR 6068 - BSA/AML Reform HR 4790 - Volcker Harmonization S. 2098 - FIRRMA HR 6258 / S. 3107 - FSGG Appropriations 2019 (swaps & Volcker issues) H.R.5961 Agriculture Appropriations Act, 2019 HR 6158 - Brokered Deposits

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

Government targets: Consumer Financial Protection Bureau (CFPB), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Natl Economic Council (NEC), SENATE, Treasury, Dept of

Issues related to credit union operations Issues related to credit union field of membership Issues related to credit union service organizations Issues related to vacancies on the National Credit Union Administration (NCUA) Board Issues related to NCUAs low income designation regulations Issues related to NCUA examination procedures Issues related to NCUAs regulation regarding its regulatory flexibility program Issues related to NCUAs proposed rule regarding emergency liquidity Issues related to NCUAs rulemaking process Issues related to NCUAs risk-based capital rule Issues related to NCUAs Advanced Notice of Proposed Rulemaking on Alternative Capital Issues related to NCUAs rule on securitization Issues related to NCUAs regulatory review process Issues related to NCUAs rule on Member Business Lending Issues related to Federal Credit Union bylaws Issues relating to home-based credit unions Issues related to credit union loan maturity restrictions Issues related to credit union investment authority Issues related to Regulation of Federal Credit Union by-laws Issues related to credit unions incidental powers Issues related to credit unions ability to offer prepaid cards Issues related to credit union service to marijuana businesses Issues related to material loss reports of the NCUA Office of Inspector General Issues related to the regulation of corporate credit unions Issues related to 1-4 Family Non-Owner Occupied Residential Loan Treatment as Residential Rather than Business Loans Issues related to the use of Eminent Domain to Seize Performing Mortgage Loans Issues related to fixed assets Issues related to credit union conversions Issues related to credit union call report modernization Issues related to premium assessments by the National Credit Union Share Insurance, NCUA Issues related to NCUAs Corporate Credit Union Stabilization Plan Issues related to NCUAs budget and the overhead transfer rate Issues related to Credit Union Service Organizations (CUSO) Issues related to the authority of the CFPB to exempt credit unions from its rulemaking Issues related to the CFPB rule to remittances and international wire transfers Issues related to CFPBs Leadership Structure and Installing a Board Rather than Director Issues related to funding the CFPB through the Appropriations Process Issues related to increasing the CFPB Supervisory Threshold Issues related to conducting a cost-benefit analysis of all CFPB Proposals Issues related to codifying the CFPBs Credit Union Advisory Council Issues related to requiring SBREFA Panels for CFPB Rulemakings Issues related to standardizing the definition of mortgage originator Issues related to overdraft protection and check ordering practices Issues related to mortgage servicing Issues related to mortgage loan originator compensation and qualifications Issues related to high-cost mortgage loans (HOEPA) Issues related to the CFPBs rule regarding qualified mortgage / ability to repay Issues related to reverse mortgages Issues related to the CFPBs regulation on Home Mortgage Disclosure Act (Regulation C) Issues related to the CFPBs regulation on Truth-in-Lending Act / Real Estate Settlement Procedures Act Integrated Disclosures Issues related to the payday, vehicle title, and similar lending Issues related to short term lending products and advance deposit products Issues related to the CFPBs consumer complaint database Issues related to the Department of Justices investigation entitled, Operation Choke Point Issues related to the Department of Defense proposal regarding Credit Extending to Service Members under MLA Issues related to indirect auto lending Issues related to credit union service to unbanked and underbanked consumers Issues related to the United States Postal Service Office of Inspector General report related to role of the postal service in financial services Issues related to the CFPB's proposal on arbitration Issues related to the Financial Accounting Standards Board (FASB) Issues related to mark-to-market accounting Issues related to private equity standards Issues related to data and cyber security Issues related to mobile banking and mobile payments Issues related to identity theft and fraud reduction Issues related to secure payments Issues related to merchant data breaches Issues related to the payments system Issues related to Federal Reserve Regulatory D Issues related to the Feds implementation of same-day ACH Issues related to the Bank Secrecy Act and Currency Transaction Reporting Requirements Issues related to the oversight of the Federal Housing Administration Issues related to USDA Rural Development Loan program Issues related to the Federal Home Loan Bank System Issues related to Fannie Mae capital Issues related to membership eligibility in the Federal Home Loan Bank System Issues related to financial literacy Issues related to Housing Finance Reform Issues related to student lending Issues related to the Economic Growth and Regulatory Paperwork Reduction Act process Issues related to retirement security Issues related to flood insurance Issues related to consumers access to records Issues related to economic growth Issues related to the National Credit Union Administration's Advance Notice of Proposed Rulemaking for Supplemental Capital Issues related to Interchange Fees Issues related to the funding of the National Credit Union Administration Issues related to the consumer notification of privacy standards Issues related to the Equal Credit Opportunity Act Issues related to the Fair Housing Act Issues related to the merger of credit unions Issues related to the Real Estate Settlement Procedures Act Issues related to the transfer of leadership at the Consumer Financial Protection Bureau Issues related to Community Reinvestment Act Issues related to Regulation Z Issues related to Military Lending Act Issues related to Financial Technology Issues related to Small Business Lending Data collection requirements Issues related to Involuntary liquidation of Federal Credit Unions and Claims procedures Issues related to Web-Based Quantitative Testing of Point of Sale / ATM Overdraft Disclosure Forms H.J. Res 111, a resolution providing for congressional disapproval under chapter 8 title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to "Arbitration Agreements" H.R. 10, the Financial CHOICE Act H.R. 26, the Regulations in Need of Scrutiny Act, all provisions H.R. 389, the Credit Union Residential Loan Parity Act, all provisions H.R. 924, the Financial Institutions Due Process Act H.R. 1116, the Taking Account of Institutions with Low Operation Risk Act (TAILOR), all provisions H.R. 1153, the Mortgage Choice Act of 2017, all provisions H.R. 1244, the Capital Access for Small Businesses and Jobs Act, all provisions H.R. 1264, the Community Financial Institution Exemption Act, all provisions H.R. 1457, the MOBILE Act, all provisions H.R. 1585, the Mutual Bank Capital Opportunity Act, all provisions H.R. 1958, the Protections Affordable Coverage for Employees (PACE) Act, all provisions H.R. 2054, Protecting Americans from Credit Entanglements Act of 2017 H.R. 2133, the Community Lending Enhancement and Regulatory Relief Act, all provisions H.R. 2204, the Homeowner Information Privacy Protection Act, all provisions H.R. 2226, the Portfolio Lending and Mortgage Access Act, all provisions H.R. 2359, Fair Credit Reporting Act Liability Harmonization H.R. 2396, the Privacy Notification Technical Correction Act H.R. 2706, the Financial Institution Customer Protection Act, all provisions H.R. 2954, the Home Mortgage Disclosure Adjustment Act H.R. 3072, the Bureau of Consumer Financial Protection Examination and Reporting Threshold, all provisions H.R. 3089, the Corporate Transparency Act H.R. 3221, the Securing Access to Affordable Mortgages Act, all provisions H.R. 3299, the Protecting Consumers Access to Credit Act of 2017, all provisions H.R. 3746, the Business of Insurance Regulatory Reform Act of 2017 H.R. 3758, the Senior Safe Act of 2017 H.R. 3857, the PASS: Protecting Advice for Small Savers Act, all provisions H.R. 3866, to amend the Federal Credit Union Act to exclude extensions of credit made to veterans from the definition of a member business loan, all provisions H.R. 3911, the Risk-Based Credit Examination Act, all provisions H.R. 3971, the Community Institution Mortgage Relief Act of 2017 H.R. 3978, To amend the Real Estate Settlement Procedures Act of 1974 to modify requirements related to mortgage disclosures, and for other purposes H.R. 4464, the Common Sense Credit Union Capital Relief Act of 2017, all provisions H.R. 4545, the Financial Institutions Examination Fairness and Reform Act, all provisions H.R. 4607, the Comprehensive Regulatory Review Act, all provisions H.R. 4648, the Home Mortgage Reporting Relief Act of 2017, all provisions H.R. 5078, the TRID Improvement Act of 2018, all provisions H.R. 5266, the Financial Product Safety Commission Act of 2018, all provisions H.R. 5288, the Common Sense Credit Union Capital Relief Act of 2018, all provisions S.J. Res. 47, a resolution providing for congressional disapproval under Chapter 8 title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to "Arbitration Agreements" S. 21, the Regulations in Need of Scrutiny Act, all provisions S. 223, the Senior $afe Act, all provisions S. 366, the Taking Account of Institutions with Low Operation Risk (TAILOR) Act, all provisions S. 836, the Credit Union Residential Loan Parity Act, all provisions S. 838, the Protecting Affordable Coverage for Employees (PACE) Act, all provisions S. 869, Protecting Americans from Credit Entanglements Act of 2017 S. 1002, CLEAR Relief Act of 2017, all provisions S. 1310, Home Mortgage Disclosure Adjustment Act S. 1579, the Bureau of Consumer Financial Protection Advisory Board Enhancement Act S. 2155, Economic Growth, Regulatory Relief, and Consumer protection Act, all provisions S. 2237, the Financial Institution Examination Fairness Reform Act, all provisions S.J.Res. 19, 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 prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act, all provisions Legislation contemplated by House Financial Services Committee Chairman Jeb Hensarling entitled the Financial Creating Hope and Opportunity for Investors, Consumer and Entrepreneurs (CHOICE) Act, provisions impacting credit unions, the National Credit Union Administration and the Consumer Financial Protection Bureau.

Client expense: $1,070,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Consumer Financial Protection Bureau (CFPB), Executive Office of the President (EOP), Federal Communications Commission (FCC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), SENATE, Small Business Administration (SBA), Treasury, Dept of, Veterans Affairs, Dept of (VA)

Bills in the Senate: S. 708 Regulatory Improvement Act (Establishes in the legislative branch the Regulatory Improvement Commission.) S. 774 Financial Institutions Examination Fairness and Reform Act (Amends the Federal Financial Institutions Examination Council Act of 1978 to require a federal financial institutions regulatory agency to make a final examination report to a financial institution within 60 days of the later of: (1) the exit interview for an examination of the institution, or (2) the provision of additional information by the institution relating to the examination.) S. 1484 Financial Regulatory Improvement Act of 2015 (This bill amends the Gramm-Leach-Bliley Act to exempt from the requirement to provide consumers with an annual written disclosure of their privacy policy certain financial institutions that provide nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution.) S. 1491 Community Lender Regulatory Relief and Consumer Protection Act of 2015 (Bill amends the Truth in Lending Act, Gramm0Leach Bliley Act, FDI Act, FHLB Act, and the Securities Exchange Act) S. 1607 the Independent Agency Regulatory Analysis Act of 2015 (A bill to affirm the authority of the President to require independent regulatory agencies to comply with regulatory analysis requirements applicable to executive agencies, and for other purposes.) S. 1647 Developing a Reliable and Innovative Vision for the Economy Act (To amend title 23, United States Code, to authorize funds for Federal-aid highways and highway safety construction programs, and for other purposes.) S. 1773 Consumer Reporting Fairness Act of 2015 (To amend title 11, United States Code, to require creditors to inform consumer reporting agencies that certain debts have been discharged in bankruptcy cases.) S. 1818 Principled Rulemaking Act (This bill revises the federal agency rulemaking process to require a agencies to promulgate only rules (defined to exclude agency actions involving a military or foreign affairs function of the United States or a matter relating to agency management or personnel or to public property, loans, grants, benefits, or contracts) that are required by law, necessary to interpret a law, or made necessary by public need, to protect or improve the health and safety of the public, the environment, or the wellbeing of the people of the United States.) S. 1820 Early Participation in Regulations Act (he bill directs an agency, not later than 90 days before publishing a notice of proposed rule making for a major rule in the Federal Register, to publish advance notice of proposed rule making for such rule,) S. 1817 Smarter Regulations Through Advance Planning and Review Act ( This bill requires a federal agency, when publishing a proposed major rule and when publishing a final major rule, to include a framework for assessing the rule) S. 1958 Christopher Bryski Student Loan Protection Act (To establish additional protections and disclosures for students and co-signers with respect to student loans, and for other purposes.) S. 2038 Jumpstart GSE reform Act (prohibits the use of an increase in the guarantee fee required to be charged by the Federal National Mortgage Association (Fannie Mae), the Federal Home Loan Mortgage Corporation (Freddie Mac), or any affiliate of such organizations (enterprises) to offset an increase in outlays or a reduction in revenues for any purposes other than those related to the enterprises' business functions) S. 2663 Reforming CFPB Indirect Auto Financing Guidance Act (This bill declares without force or effect Consumer Financial Protection Bureau (CFPB) Bulletin 2013-02 (Indirect Auto Lending and Compliance with the Equal Credit Opportunity Act), published March 21, 2013.) S.J. Res. 19 - 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 prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act. (CRA) S. 552: Justice for Victims of Fraud Act (This bill amends the Truth in Lending Act and the Electronic Fund Transfer Act to prohibit predispute arbitration agreements with consumers (i.e., agreements to arbitrate any future disputes between parties instead of pursuing the claims in court) from being valid or enforceable in disputes related to credit card accounts or personal bank accounts that are not subject to a final judgment by a court if the credit card or bank account was not issued in response to a request or application for that account.) S. 537: Arbitration Fairness Act (This bill prohibits a predispute arbitration agreement from being valid or enforceable if it requires arbitration of an employment, consumer, antitrust, or civil rights dispute.) S. 550: Restoring Statutory Rights and Interests of the States Act (This bill amends the Federal Arbitration Act to invalidate arbitration agreements between parties in certain commercial contracts or transactions if they require arbitration of a claim for damages or injunctive relief brought by an individual or small business arising from the alleged violation of a federal or state statute, the U.S. Constitution, or a state constitution, unless the written agreement to arbitrate is entered into by both parties after the claim has arisen and pertains solely to an existing claim.) S. 553: Court Legal Access and Student Support (CLASS) Act (This bill makes procedures for the enforcement of arbitration agreements inapplicable to an enrollment agreement between a student and an institution of higher education (IHE).) S. 647: Mandatory Arbitration Transparency Act (This bill prohibits predispute arbitration agreements from containing a confidentiality clause regarding an employment, consumer, or civil rights dispute that could be interpreted to prohibit a party from: (1) making a communication in a manner such that the prohibition would violate a whistle-blower statute; or (2) reporting or making a communication about tortious conduct, unlawful conduct, or issues of public policy or public concern. ) S. 646: Justice for Servicemembers Act (This bill authorizes the Department of Justice (DOJ) to initiate an action for relief in a service member's employment or reemployment rights action with respect to: (1) a private or state employer, or (2) a state or private employer that is engaged in a pattern or practice to infringe upon such rights.) S.951 - Regulatory Accountability Act of 2017 (This bill codifies and revises notice-and-comment rulemaking procedures to require federal agencies to consider: (1) whether a rulemaking is required by statute or is within the discretion of the agency, (2) whether existing federal laws or rules could be amended or rescinded to address the problem, and (3) reasonable alternatives for a new rule.) S. 1642, Protecting Consumers Access to Credit Act of 2017 (This bill amends the Revised Statutes, the Home Owners' Loan Act, the Federal Credit Union Act, and the Federal Deposit Insurance Act to state that bank loans that are valid when made as to their maximum rate of interest in accordance with federal law shall remain valid with respect to that rate regardless of whether a bank has subsequently sold or assigned the loan to a third party.0 S.J.Res.47 - A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Arbitration Agreements" S. 1659, the Protecting Consumers from Unreasonable Credit Rates Act (This bill amends the Truth in Lending Act to prohibit a creditor from extending credit to a consumer under an open end consumer credit plan (credit card) for which the fee and interest rate exceeds 36%.) S.2155, Economic Growth, Regulatory Relief, and Consumer Protection Act (bill aimed at rolling back financial regulations concerning banks and other financial institutions) S.J. Res. 57 A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Indirect Auto Lending and Compliance with the Equal Credit Opportunity Act" Bills in the House: H.R. 4, makes revisions to Federal law to improve the conditions necessary for economic growth and job creation, and for other purposes. H.R. 37, makes technical corrections to the Dodd-Frank Wall Street Reform and Consumer Protection Act, to enhance the ability of small and emerging growth companies to access capital through public and private markets, to reduce regulatory burdens, and for other purposes. H.R. 50, provides for additional safeguards with respect to imposing Federal mandates, and for other purposes. H.R. 113, improves the accountability and transparency of the Board of Governors of the Federal Reserve System, and for other purposes. H.R. 185, reforms the process by which Federal agencies analyze and formulate new regulations and guidance documents. H.R. 347, amends the Credit Repair Organizations Act to exempt certain consumer reporting agencies, and for other purposes. H.R. 367, amends chapter 8 of title 5, United States Code, to provide that major rules of the executive branch shall have no force or effect unless a joint resolution of approval is enacted into law. H.R. 427, amends chapter 8 of title 5, United States Code, to provide that major rules of the executive branch shall have no force or effect unless a joint resolution of approval is enacted into law. H.R. 527, amends chapter 6 of title 5, United States Code (commonly known as the Regulatory Flexibility Act), to ensure complete analysis of potential impacts on small entities of rules, and for other purposes. H.R. 650, amends the Truth in Lending Act to modify the definitions of a mortgage originator and a high-cost mortgage. H.R. 685, amends the Truth in Lending Act to improve upon the definitions provided for points and fees in connection with a mortgage transaction. H.R. 766, provides requirements for the appropriate Federal banking agencies when requesting or ordering a depository institution to terminate a specific customer account, to provide for additional requirements related to subpoenas issued under the Financial Institutions Reform, Recovery, and Enforcement Act of 1989, and for other purposes. H.R. 899, provides for additional safeguards with respect to imposing Federal mandates, and for other purposes. H.R. 957, requires Senate confirmation of Inspector General of the Bureau of Consumer Financial Protection, and for other purposes. H.R. 1090, amends the Securities Exchange Act of 1934 to provide protections for retail customers, and for other purposes. H.R. 1195, amends the Consumer Financial Protection Act of 2010 to establish advisory boards, and for other purposes H.R. 1210, amends the Truth in Lending Act to provide a safe harbor from certain requirements related to qualified mortgages for residential mortgage loans held on an originating depository institution's portfolio, and for other purposes. H.R. 1259, provides for an application process for interested parties to apply for an area to be designated as a rural area, and for other purposes. H.R. 1261, amends the Consumer Financial Protection Act of 2010 to bring the Bureau of Consumer Financial Protection into the regular appropriations process, and for other purposes. H.R. 1264, provides an exemption from rules and regulations of the Bureau of Consumer Financial protection for community financial institutions, and for other purposes. H.R. 1265, applies the requirements of the Federal Advisory Committee Act to the Bureau of Consumer Financial Protection. H.R. 1266, amends the Consumer Financial Protection Act of 2010 to make the Bureau of Consumer Financial Protection an independent Financial Product Safety Commission, and for other purposes. H.R. 1413, terminates Operation Choke Point. H.R. 1493, imposes certain limitations on consent decrees and settlement agreements by agencies that require the agencies to take regulatory action in accordance with the terms thereof, and for other purposes. H.R. 1529, amends the Truth in Lending Act and the Real Estate Settlement Procedures Act of 1974 to modify the requirements for community financial institutions with respect to certain rules relating to mortgage loans, and for other purposes. H.R. 1553 amends the Federal Deposit Insurance Act to specify which smaller institutions may qualify for an 18-month examination cycle. H.R. 1660, amends the Home Owners' Loan Act to allow Federal savings associations to elect to operate as national banks, and for other purposes. H.R. 1737, nullifies certain guidance of the Bureau of Consumer Financial Protection and to provide requirements for guidance issued by the Bureau with respect to indirect auto lending. H.R. 1799, amends the Real Estate Settlement Procedures Act of 1974 to prohibit certain financial benefits for referrals of business and to improve the judicial relief for certain violations, and for other purposes. H.R. 1941, improves the examination of depository institutions, and for other purposes. H.R. 2213, provides for a temporary safe harbor from the enforcement of integrated disclosure requirements for mortgage loan transactions under the Real Estate Settlement Procedures Act of 1974 and the Truth in Lending Act, and for other purposes. H.R. 2029, makes appropriations for military construction, the Department of Veterans Affairs, and related agencies for the fiscal year ending September 30, 2016, and for other purposes. H.R. 2243, suspends the current compensation packages for the senior executives of Fannie Mae and Freddie Mac and establish compensation for such positions in accordance with rates of pay for senior employees in the Executive Branch of the Federal Government, and for other purposes. H.R. 2354, directs the Securities and Exchange Commission to review all its significant regulations to determine whether such regulations are necessary in the public interest or whether such regulations should be amended or rescinded. H.R. 4294, amends the Internal Revenue Code of 1986 to ensure that retirement investors receive advice in their best interests, and for other purposes. H.R. 2542 amends chapter 6 of title 5, United States Code (commonly known as the Regulatory Flexibility Act), to ensure complete analysis of potential impacts on small entities of rules, and for other purposes. H.R. 2683, amends the Fair Credit Reporting Act to delay the inclusion in consumer credit reports and to establish requirements for debt collectors with respect to medical debt information of veterans due to inappropriate or delayed billing payments or reimbursements from the Department of Veterans Affairs, and for other purposes. H.R. 2577, makes appropriations for the Departments of Transportation, and Housing and Urban Development, and related agencies for the fiscal year ending September 30, 2016, and for other purposes. H.R. 2804, amends title 5, United States Code, to require the Administrator of the Office of Information and Regulatory Affairs to publish information about rules on the Internet, and for other purposes. H.R. 3035, amends the Fair Credit Reporting Act to clarify Federal law with respect to reporting certain positive consumer credit information to consumer reporting agencies, and for other purposes. H.R. 3189. amends the Federal Reserve Act to establish requirements for policy rules and blackout periods of the Federal Open Market Committee, to establish requirements for certain activities of the Board of Governors of the Federal Reserve System, and to amend title 31, United States Code, to reform the manner in which the Board of Governors of the Federal Reserve System is audited, and for other purposes. H.R. 3192, provides for a temporary safe harbor from the enforcement of integrated disclosure requirements for mortgage loan transactions under the Real Estate Settlement Procedures Act of 1974 and the Truth in Lending Act, and for other purposes. H.R. 3438, amends title 5, United States Code, to postpone the effective date of high-impact rules pending judicial review. H.R. 3634, establishes student loan borrowers' rights to basic consumer protections, reasonable and flexible repayment options, access to earned credentials, and effective loan cancellation in exchange for public service, and for other purposes. H.R. 4018, amends the Truth in Lending Act to establish deferred presentment transaction requirements, and for other purposes. H.R. 4293, amends the Employee Retirement Income Security Act of 1974 to ensure that retirement investors receive advice in their best interests, and for other purposes. H.R. 4439, amends the Revised Statutes, the Bank Service Company Act, the Federal Deposit Insurance Act, and the Home Owners' Loan Act to clarify that the role of the insured depository institution as lender and the location of an insured depository institution under applicable law are not affected by any contract between the institution and a third-party service provider, and to clarify that Federal preemption of State usury laws applies to any loan to which an insured depository institution is the party to which the debt is initially owed according to its terms, and for other purposes. H.R. 4550, amends the Fair Debt Collection Practices Act to exclude law firms and licensed attorneys who are engaged in activities related to legal proceedings from the definition of a debt collector, to amend the Consumer Financial Protection Act of 2010 to prevent the Bureau of Consumer Financial Protection from exercising supervisory or enforcement authority with respect to attorneys when undertaking certain actions related to legal proceedings, and for other purposes. H.R. 4648, delays the effective date of certain regulations relating to home mortgage disclosures, to suspend certain data sharing requirements, and for other purposes. H.R. 4725, amends the Federal Deposit Insurance Act to require short form call reports for certain depository institutions. H.R. 4768, amends title 5, United States Code, to clarify the nature of judicial review of agency interpretations of statutory and regulatory provisions. H.R. 4986, amends certain banking statutes in response to Operation Choke Point. H.R. 5143, provides greater transparency and congressional oversight of international insurance standards setting processes, and for other purposes. H.R. 5485, makes appropriations for financial services and general government for the fiscal year ending September 30, 2017, and for other purposes. H.R. 5982, amends chapter 8 of title 5, United States Code, to provide for en bloc consideration in resolutions of disapproval for "midnight rules", and for other purposes. Fiscal Year 2016 spending bills for the Department of Justice (CJS) Makes appropriations for the Departments of Commerce and Justice, Science, and Related Agencies for the fiscal year ending September 30, 2016, and for other purposes. Fiscal Year 2016 spending bills for the Department of Housing and Urban Development (THUD), Bill will fund critical infrastructure and safety programs, provide responsible levels of funding for low-income housing Fiscal Year 2017 Commerce, Justice, Science Funding Bill, Bill targets funding to law enforcement and national security efforts, economic development, and fundamental research activities H.R. 21 -Midnight Rules Relief Act of 2017, amends chapter 8 of title 5, United States Code, to provide for en bloc consideration in resolutions of disapproval for "midnight rules", and for other purposes. H.R. 26 -Executive Need of Scrutiny Act of 2017 (REINS Act), amends chapter 8 of title 5, United States Code, to provide that major rules of the executive branch shall have no force or effect unless a joint resolution of approval is enacted into law. H.R. 5 -Regulatory Accountability Act of 2017 (RAA), reforms the process by which Federal agencies analyze and formulate new regulations and guidance documents, to clarify the nature of judicial review of agency interpretations, to ensure complete analysis of potential impacts on small entities of rules, and for other purposes. H.J. Res. 73 - 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 prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act. (CRA) H.R. 1424, amends the Truth in Lending Act and the Electronic Fund Transfer Act to provide justice to victims of fraud. H.R. 1374, amends title 9 of the United States Code with respect to arbitration. H.R. 1396, restores statutory rights to the people of the United States from forced arbitration. H.R. 985, amends the procedures used in Federal court class actions and multidistrict litigation proceedings to assure fairer, more efficient outcomes for claimants and defendants, and for other purposes. H.R. 585, amends the Securities Exchange Act of 1934 to prohibit mandatory pre-dispute arbitration agreements, and for other purposes. H.R. 864, (Rep. Love), amends the Fair Debt Collection Practices Act to restrict the debt collection practices of certain debt collectors H.R. 924, (Rep. Rothfus), amends the Federal Financial Institutions Examination Council Act of 1978 to establish a three-judge independent examination review panel. H.R. 1457, (Rep. Tipton), the Making Online Banking Initiation Legal and Easy Act of 2017 (To establish requirements for use of a driver's license or personal identification card by certain financial institutions for opening an account or obtaining a financial product or service, and for other purposes.) H.R. 2133, (Rep. Luetkemeyer), the Community Lending Enhancement and Regulatory Relief Act of 2017 (CLEARR act) (To provide regulatory relief to community financial institutions, and for other purposes.) H.R. 2226, (Rep. Barr), the Portfolio Lending and Mortgage Access Act ( This bill amends the Truth in Lending Act to allow a depository institution or credit union with assets below a specified threshold to forgo certain ability-to-pay requirements regarding residential mortgage loans) H.R. 2396, (Rep. Trott), the Privacy Notification Technical Correction Act (Bill amends section 503 of the Gramm-Leach Bliley Act. H.R. 3221, (Rep. Kustoff), the Access to Affordable Mortgages Act of 2017 (Sec. 2) This bill amends the Truth in Lending Act and the Financial Institutions Reform, Recovery, and Enforcement Act of 1989 to exempt from property appraisal requirements a mortgage loan of $250,000 or less if it appears on the loan creditor's balance sheet for at least three years.) H.R. ____, (Rep. Hollingsworth), the Ensuring Quality Unbiased Access to Loans Act of 2017 (To nullify certain guidance on deposit advance products and to amend the Federal Deposit Insurance Act to provide the appropriate Federal banking agencies with additional requirements when issuing such guidance, and for other purposes.) H.R. ____, (Rep. Tenney), to simplify the process for national banks to obtain deposit insurance, and for other purposes. House Appropriations Financial Services and General Government Financial Services Bill H.R. 1116, Taking Account of Institutions with Low Operation Risk (TAILOR) Act of 2017 (This bill requires federal financial regulatory agencies to: (1) tailor any regulatory actions so as to limit burdens on the institutions involved, with consideration of the risk profiles and business models of those institutions; and (2) report to Congress on specific actions taken to do so, as well as on other related issues. The bill's tailoring requirement applies not only to future regulatory actions but also to regulations adopted within the last seven years.) H.R. 1699, Preserving Access to Manufactured Housing Act of 2017 (This bill amends the Truth in Lending Act (TILA) to specify that a retailer of manufactured housing is generally not a "mortgage originator" subject to requirements under that Act. Similarly, the bill amends the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 to specify that such a retailer is generally not a "loan originator" subject to requirements under that Act.) H.R. 2954, Home Mortgage Disclosure Adjustment Act (This bill amends the Home Mortgage Disclosure Act of 1975 to exempt a depository institution from certain records and disclosure requirements related to the itemization of loan data: (1) with respect to closed-end mortgage loans, if the depository institution originated fewer than 500 such loans in each of the two preceding years; and (2) with respect to open-end lines of credit, if the depository institu

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

Government targets: Consumer Financial Protection Bureau (CFPB), Education, Dept of, Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Housing & Urban Development, Dept of (HUD), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), Natl Economic Council (NEC), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), Treasury, Dept of, White House Office

HJRes 111 - CFPB Arbitration Rule HJRes 62 - CFPB Prepaid Rule HJRes 73 - CFPB Prepaid Rule HR 10 - The Financial CHOICE Act of 2017 HR 1116 - Tipton - TAILOR Act HR 1153 - Mortgage Choice Act of 2017 HR 1457 - MOBILE Act of 2017 HR 2133 - CLEARR Act of 2017 HR 2148 - Pittenger - HVCRE clarifications HR 238 - Commodity End-User Relief Act HR 3280 - House FSGG Appropriations 2018 HR 3299 - McHenry - Valid When Made Bill HR 3312 - Luetkemeyer - SIFI Threshold Bill HR 3857 - Wagner - PASS Act (DOL Fiduciary repeal and replace bill) HR 3860 - IRS Tax Transcript Access HR1813 - Border Wall Funding Act of 2017 S. 1002 - CLEAR Act S. 105 - Consumer Financial Protection Board Act of 2017 S. 223 - Senior$afe Act of 2017 S. 366 - TAILOR Act of 2017 SJRes 19 - CFPB Prepaid Rule SJRes 47 - CFPB Arbitration Rule S. 1893 - Bank SIFI Threshold S. 2155 - Economic Growth, Regulatory Relief, and Consumer Protection Act H.J.Res.122 - Resolution of Disapproval CFPB Payday Lending Rule HR 1 - Tax Cuts and Jobs Act H.R. 2148 - Clarifying Commercial Real Estate Loans S. 2405 - Clarifying Commercial Real Estate Loans S. 2498, the Protecting Children From Identity Theft Act H.R. 5192, the Protecting Children From Identity Theft Act H.R. 5266 - CFPB Commission HR 3354 / HR 238 - Interaffilite Swap Provisions S. 1642 - Valid When Made S. 1958 - Tax Transcripts S. 2854 - The MOBILE Act HR 6068 - BSA/AML Reform HR 4790 - Volcker Harmonization S. 2098 - FIRRMA HR 6258 / S. 3107 - FSGG Appropriations 2019 (swaps & Volcker issues) H.R.5961 Agriculture Appropriations Act, 2019 HR 6158 - Brokered Deposits

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

Government targets: Commerce, Dept of (DOC), Consumer Financial Protection Bureau (CFPB), Federal Reserve System, HOUSE OF REPRESENTATIVES, Natl Economic Council (NEC), SENATE, Treasury, Dept of

Issues relating to: Reforms to Dodd-Frank Act; S.223, SeniorSafe Act; Fintech Policy; Government Sponsored Enterprise (GSE) Reform; H.R. 1457, Making Online Banking Initiation Legal and Easy Act of 2017 (MOBILE Act); S.J.Res 19, and H.J.Res 73,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 prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act"; H.R. 3299, Protecting Consumers Access to Credit Act of 2017; H.R. 3312, Systemic Risk Designation Improvement Act of 2017; and H.R. 3758, Senior Safe Act of 2017; Matters related to Interaffiliate Margin treatment; H.R. 3857, S. 2155, Economic Growth, Regulatory Relief, and Consumer Protection Act; Synthetic identify fraud; Bank Secrecy Act reform; Matters related to data breaches and data security; H.R. 4292 Financial Institutions Living Will Improvement Act of 2017; H.R. 2319, Consumer Financial Choice and Capital Markets Protection Act of 2017; H.R. 4061, Financial Stability Oversight Council Improvement Act of 2017; H.R. 1625,Consolidated Appropriations Act, 2018 and H.R. 5323, Derivatives Fairness Act; and H.R. 4790 Volcker Rule, Regulatory Harmonization Act

Client expense: $750,000 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), Federal Emergency Management Agency (FEMA), Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Natl Economic Council (NEC), SENATE, Treasury, Dept of, White House Office

Mobile payments, fraud, data security, data storage regulatory reform, tax reporting, payments systems, cyber-security, financial services, merchant cash advances, privacy, the Federal Reserve and big data, CFPB prepaid products rule (Prepaid Accounts Under Direct Electronic Transfer Act {Regulation E} and the Truth in Lending Act), Federal Reserve Secure Payments Task Force, Marketplace lending, H.R. 10-Financial Choice Act of 2017, H.J. Res. 62/72-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 prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act, S.J.Res.19 - 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 prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act, H. R. 1801-To delay the effective date of the final rule of the Bureau of Consumer Financial Protection titled Prepaid Accounts under the Electronic Fund Transfer Act (Regulation E) and the Truth In Lending Act (Regulation Z)", S. 387-Consumer Financial Protection Bureau Accountability Act of 2017, S. 626-CFPB-IG Act of 2017. Fiscal Year 2018 Financial Services and General Government Appropriations Bill. CFPB Governance Structure. H.J.Res. 111, Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Arbitration Agreements." S.J.Res. 47, A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Arbitration Agreements". H.R. 4439, Modernizing Credit Opportunities Act of 2017. H.R. 3299, Protecting Consumers' Access to Credit Act of 2017. S. 1642, Protecting Consumers' Access to Credit Act of 2017. H.R. 3354, Make America Secure & Prosperous Appropriations Act.

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

Government targets: Consumer Financial Protection Bureau (CFPB), Council of Economic Advisers (CEA), Federal Communications Commission (FCC), Federal Reserve System, Federal Trade Commission (FTC), Financial Crimes Enforcement Network (FinCEN), HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Economic Council (NEC), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of, U.S. Trade Representative (USTR)

Implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act relating to debit card interchange fees. Issues relating to mobile payments. Issues relating to anti-money laundering and the Bank Secrecy Act generally. Issues relating to cyber-security. Consumer Financial Protection Bureau proposed rule on prepaid cards. Issues relating to international remittances. Consumer Financial Protection Bureau rule concerning prepaid accounts. S.J.Res.19, providing for congressional disapproval of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts, all provisions. H.J.Res. 62, providing for congressional disapproval of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts, all provisions. H.J. Res. 73, providing for congressional disapproval of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts, all provisions. H.R. 1813, Border Wall Funding Act of 2017, all provisions. H.R. 6068, Counter Terrorism and Illicit Finance Act, provisions regarding beneficial ownership and money services businesses parity. U.S. China economic relations.

Client expense: Not reported · Firm income: $22,500

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act relating to interchange fees for debit cards. Bank Secrecy Act and anti-money laundering issues relating to prepaid payment cards. Issues regarding fraud committed against the elderly. Consumer Financial Protection Bureau proposed rule regarding prepaid cards. Issues relating to tax refund fraud. S.J.Res.19, providing for congressional disapproval of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts, all provisions. H.J.Res. 62, providing for congressional disapproval of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts, all provisions. H.J. Res. 73, providing for congressional disapproval of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts, all provisions.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Supplemental capital issues, regulatory issues for credit unions and tax exemption status: HR 10, HR 389, HR 1018, HR 1031, HR 1116, HR 1153, HR 1244, HR 1264, HR 1401, HR 1422, HR 1423, HR 1426, HR 1457, HR 1699, HR 1801, HR 1958, HR 1964, HR 2133, HR 2170, HR 2215, HR 2226, HR 2246, HR 2359, HR 2403, HR 2553, HR 2570, HR 2706, HR 2793, HR 2868, HR 2874, HR 2875, HR 2877, HR 2890, HR 2954, HR 3072, HR 3110, HR 3221, HR 3312, HR 3354, HR 3746, HR 3758, HR 3766, HR 3857, HR 3866, HR 3971, HR 3978, HR 4081, HR 4296, HR 4439, HR 4464, HR 4499, HR 4545, HR 4648, HR 4651, HR 4743, HR 4746, HR 4764, HR 4771, HR 4790, HR 4861, HR 4905, HR 5076, HR 5166, HR 5266, HR 5288, HR 5470, HR 5474, HR 5484, HR 5502, HR 5659, HR 5673, HR 5793, HR 5877, HR 5993, HR 6068, HR 6102, HR 6158, HR 6163, HR 6192; HJ Res 62, HJ Res 73, HJ Res 122, HJ Res 132; S 21, S 105, S 223, SJ Res 19, S 365, S 366, S 370, S 387, S 563, S 567, S 836, S 838, S 1002, S 1152, S 1264, S 1284, S 1313, S 1315, S 1368, S 1389, S 1499, S 1571, S 1579, S 1642, S 1753, S 1810, S 1962, S 1982, S 2155, S 2171, S 2237, S 2289, S 2362, S 2375, S 2417, S 2490, S 2701, S 2702, S 2862, S 3032, S 3040, S 3070, S 3128, S 3139; SJ Res 47 SJ Res 56, SJ Res 57; data security and cybersecurity: patent reform; FHLB membership rules; CFPB and FSOC reform; and GSE reform.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Bills in the Senate: S. 708 Regulatory Improvement Act S. 774 Financial Institutions Examination Fairness and Reform Act S. 1484 Financial Regulatory Improvement Act of 2015 S. 1491 Community Lender Regulatory Relief and Consumer Protection Act of 2015 S. 1607 the Independent Agency Regulatory Analysis Act of 2015 S. 1647 Developing a Reliable and Innovative Vision for the Economy Act S. 1773 Consumer Reporting Fairness Act of 2015 S. 1818 Principled Rulemaking Act S. 1820 Early Participation in Regulations Act S. 1817 Smarter Regulations Through Advance Planning and Review Act S. 1958 Christopher Bryski Student Loan Protection Act S. 2038 Jumpstart GSE reform Act S. 2050 Private Education Loan Refinancing Act S. 2387 Commerce, Justice, Science, and Related Agencies Appropriations Act, FY2017 Senate Appropriations on Financial Services and General Government appropriations bill FY2017 S. 2663 Reforming CFPB Indirect Auto Financing Guidance Act S.J. Res. 19 - 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 prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act. (CRA) S. 552: Justice for Victims of Fraud Act S. 537: Arbitration Fairness Act S. 550: Restoring Statutory Rights and Interests of the States Act S. 553: Court Legal Access and Student Support (CLASS) Act S. 647: Mandatory Arbitration Transparency Act S. 646: Justice for Servicemembers Act S.951 - Regulatory Accountability Act of 2017 S. 1642, Protecting Consumers Access to Credit Act of 2017 S.J.Res.47 - A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Arbitration Agreements" S. 1659, the Protecting Consumers from Unreasonable Credit Rates Act S.2155, Economic Growth, Regulatory Relief, and Consumer Protection Act S.J.Res. 56 - A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Payday, Vehicle, Title, and Certain High-Cost Installment Loans (Payday CRA) S.J.Res. 57 - A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Indirect Auto Lending and Compliance with the Equal Credit Opportunity Act (Auto CRA) Bills in the House: H.R. 4 Jobs for America Act H.R. 37 Promoting Job Creation and Reducing Small Business Burdens Act H.R. 50 Unfunded Mandates Information and Transparency Act of 2015 H.R. 113 Federal Reserve Accountability and Transparency Act of 2015 H.R. 185 The Regulatory Accountability Act H.R. 347 Facilitating Access to Credit Act H.R. 367 Regulations from the Executive in Need of Scrutiny (REINS) Act H.R. 427 Regulations from the Executive in Need of Scrutiny Act of 2015 H.R. 527 Small Business Regulatory Flexibility Improvements Act of 2015 H.R. 650 Preserving Access to Manufactured Housing Act of 2015 H.R. 685 Mortgage Choice Act of 2015 H.R. 766 Financial Institution Customer Protection Act of 2015 H.R. 899 Unfunded Mandates Information and Transparency Act H.R. 957 CFPB IG act of 2015 H.R. 1090 Retail Investor Protection Act H.R. 1195 Bureau of Consumer Financial Protection Advisory Boards Act H.R. 1210 Portfolio Lending and Mortgage Access Act H.R. 1259 Helping Expand Lending Practices in Rural Communities Act H.R. 1261 Bureau of Consumer Financial Protection Accountability Act of 2015 H.R. 1264, Community Financial Institution Exemption Act H.R. 1265 Bureau Advisory Commission Transparency Act H.R. 1266 Financial Product Safety Commission Act of 2015 H.R. 1413 Firearms Manufacturers and Dealers Protection Act of 2015 H.R. 1493 Sunshine for Regulatory Decrees and Settlements Act H.R. 1529 the Community Institution Mortgage Relief Act H.R. 1553 Small Bank Exam Cycle Reform Act of 2015 H.R. 1660 Federal Saving Association Charter Flexibility Act of 2015 H.R. 1737 Reforming CFPB Indirect Auto Financing Guidance Act H.R. 1799 Ensure Fair Prices in Title Insurance Act H.R. 1941 Financial Institutions Examination Fairness and Reform Act H.R. 2213 To provide for a temporary safe harbor from the enforcement of integrated disclosure requirements for mortgage loan transactions under the Real Estate Settlement Procedures Act of 1974 and the Truth in Lending Act, and for other purposes. H.R. 2029 and related amendments Consolidated Appropriations Act of 2016 H.R. 2243 Equity in Government Compensation Act of 201 H.R. 2354 Streamlining Excessive and Costly Regulations Review Act H.R. 4294 -SAVERS Act of 2015 H.R. 2542 Regulatory Flexibility Improvements Act H.R. 2683, the Protecting Veterans Credit Act of 2017 H.R. 2577 Transportation, Housing and Urban Development, and Related Agencies Appropriations Act, 2016 H.R. 2804 Achieving Less Excess in Regulation and Requiring Transparency (ALERRT) Act (H.R. 2804). H.R. 3035 Credit Access and Inclusion Act H.R. 3189 FORM Act of 2015 H.R. 3192 Homebuyers Assistance Act H.R. 3438 REVIEW Act H.R. 3634 Student Loan Debt Protection Act H.R. 4018 Consumer Protection and Choice Act H.R. 4293 Affordable Retirement Advice Protection Act H.R. 4439 Modernizing Credit Opportunities Act H.R. 4550, the Practice of Law Technical Clarification Act H.R. 4648, the Home Mortgage Reporting Relief Act of 2017 H.R. 4725, the Community Bank Reporting Relief Act H.R. 4768 The Separation of Powers Restoration Act, 2016 H.R. 4986 End Operation Choke Point Act of 2014 H.R. 5143 The International Insurance Standards Act H.R. 5485 The "Financial Services and General Government Appropriations Act, 2017 H.R. 5982 Midnight Rules Relief Act of 2016 Fiscal Year 2016 spending bills for the Department of Justice (CJS) and the Department of Housing and Urban Development (THUD) Fiscal Year 2017 Commerce, Justice, Science Funding Bill H.R. 21 -Midnight Rules Relief Act of 2017 H.R. 26 -Executive Need of Scrutiny Act of 2017 (REINS Act) H.R. 5 -Regulatory Accountability Act of 2017 (RAA) H.J. Res. 73 - 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 prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act. (CRA) H.R. 1424: Justice for Victims of Fraud Act H.R. 1374: Arbitration Fairness Act H.R. 1396: Restoring Statutory Rights and Interests of the States Act H.R. 985: The Fairness in Class Action Litigation Act of 2017 H.R. 585: Investor Choice Act of 2017 H.R. 864, (Rep. Love), the Stop Debt Collection Abuse Act of 2017 H.R. 924, (Rep. Rothfus), the Financial Institutions Due Process Act of 2017 H.R. 1457, (Rep. Tipton), the Making Online Banking Initiation Legal and Easy Act of 2017 H.R. 2133, (Rep. Luetkemeyer), the Community Lending Enhancement and Regulatory Relief Act of 2017 (CLEARR act) H.R. 2148, (Rep. Pittenger), the Clarifying Commercial Real Estate Loans H.R. 2226, (Rep. Barr), the Portfolio Lending and Mortgage Access Act H.R. 2396, (Rep. Trott), the Privacy Notification Technical Correction Act H.R. 3221, (Rep. Kustoff), the Access to Affordable Mortgages Act of 2017 H.R. ____, (Rep. Hollingsworth), the Ensuring Quality Unbiased Access to Loans Act of 2017 H.R. ____, (Rep. Tenney), to simplify the process for national banks to obtain deposit insurance, and for other purposes. House Appropriations Financial Services and General Government Financial Services Bill H.R. 1116, Taking Account of Institutions with Low Operation Risk (TAILOR) Act of 2017 H.R. 1699, Preserving Access to Manufactured Housing Act of 2017 H.R. 2954, Home Mortgage Disclosure Adjustment Act H.R. 3299, Protecting Consumers Access to Credit Act of 2017 H.R. 3791, Community Institution Mortgage Relief Act of 2017 H.J.Res.111, Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Arbitration Agreements" H.R. 3760, the Protecting Consumers from Unreasonable Credit Rates Act H.R. 1153, the Mortgage Choice Act H.R. 3978, the TRID Improvement Act H.J.Res. 122 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 "Payday, Vehicle Title, and Certain High-Cost Installment Loans". Under Discussion: A bill to reform Government-Sponsored Enterprises (GSE Reform) A bill to provide consumer protections for overdraft fees A bill to provide consumer protections in auto lending Amendments and riders to appropriations bills House Bill re: Non-profit CDFI Depository Bank Expansion House Bill, Chairman Hensarling discussion draft, The Financial Choice Act House Bill, Rep. Pearce Seller Finance and Balloon Loans Senate and House - Updates to the Stopping Abuse and Fraud in Electronic (SAFE) Lending Act Senate and House -Updates to the Secure and Fair Enforcement for Mortgage Licensing Act (also SAFE act) Senate - Senator Durbins usury rate cap bill (unintroduced at this time)

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

Government targets: Consumer Financial Protection Bureau (CFPB), Education, Dept of, Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Housing & Urban Development, Dept of (HUD), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), Natl Economic Council (NEC), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), Treasury, Dept of, White House Office

HJRes 111 - CFPB Arbitration Rule HJRes 62 - CFPB Prepaid Rule HJRes 73 - CFPB Prepaid Rule HR 10 - The Financial CHOICE Act of 2017 HR 1116 - Tipton - TAILOR Act HR 1153 - Mortgage Choice Act of 2017 HR 1457 - MOBILE Act of 2017 HR 2133 - CLEARR Act of 2017 HR 2148 - Pittenger - HVCRE clarifications HR 238 - Commodity End-User Relief Act HR 3280 - House FSGG Appropriations 2018 HR 3299 - McHenry - Valid When Made Bill HR 3312 - Luetkemeyer - SIFI Threshold Bill HR 3857 - Wagner - PASS Act (DOL Fiduciary repeal and replace bill) HR 3860 - IRS Tax Transcript Access HR1813 - Border Wall Funding Act of 2017 S. 1002 - CLEAR Act S. 105 - Consumer Financial Protection Board Act of 2017 S. 223 - Senior$afe Act of 2017 S. 366 - TAILOR Act of 2017 SJRes 19 - CFPB Prepaid Rule SJRes 47 - CFPB Arbitration Rule S. 1893 - Bank SIFI Threshold S. 2155 - Economic Growth, Regulatory Relief, and Consumer Protection Act H.J.Res.122 - Resolution of Disapproval CFPB Payday Lending Rule HR 1 - Tax Cuts and Jobs Act H.R. 2148 - Clarifying Commercial Real Estate Loans S. 2405 - Clarifying Commercial Real Estate Loans S. 2498, the Protecting Children From Identity Theft Act H.R. 5192, the Protecting Children From Identity Theft Act H.R. 5266 - CFPB Commission HR 3354 / HR 238 - Interaffilite Swap Provisions S. 1642 - Valid When Made S. 1958 - Tax Transcripts

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

Government targets: Commerce, Dept of (DOC), Consumer Financial Protection Bureau (CFPB), Federal Reserve System, HOUSE OF REPRESENTATIVES, Natl Economic Council (NEC), SENATE, Treasury, Dept of

HJRes 111 - CFPB Arbitration Rule HJRes 62 - CFPB Prepaid Rule HJRes 73 - CFPB Prepaid Rule HR 10 - The Financial CHOICE Act of 2017 HR 1116 - Tipton - TAILOR Act HR 1153 - Mortgage Choice Act of 2017 HR 1457 - MOBILE Act of 2017 HR 2133 - CLEARR Act of 2017 HR 2148 - Pittenger - HVCRE clarifications HR 238 - Commodity End-User Relief Act HR 3280 - House FSGG Appropriations 2018 HR 3299 - McHenry - Valid When Made Bill HR 3312 - Luetkemeyer - SIFI Threshold Bill HR 3857 - Wagner - PASS Act (DOL Fiduciary repeal and replace bill) HR 3860 - IRS Tax Transcript Access HR1813 - Border Wall Funding Act of 2017 S. 1002 - CLEAR Act S. 105 - Consumer Financial Protection Board Act of 2017 S. 223 - Senior$afe Act of 2017 S. 366 - TAILOR Act of 2017 SJRes 19 - CFPB Prepaid Rule SJRes 47 - CFPB Arbitration Rule S. 1893 - Bank SIFI Threshold S. 2155 - Economic Growth, Regulatory Relief, and Consumer Protection Act H.J.Res.122 - Resolution of Disapproval CFPB Payday Lending Rule HR 1 - Tax Cuts and Jobs Act H.R. 2148 - Clarifying Commercial Real Estate Loans S. 2405 - Clarifying Commercial Real Estate Loans S. 2498, the Protecting Children From Identity Theft Act H.R. 5192, the Protecting Children From Identity Theft Act H.R. 5266 - CFPB Commission

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

Government targets: Commerce, Dept of (DOC), Consumer Financial Protection Bureau (CFPB), Federal Reserve System, HOUSE OF REPRESENTATIVES, Natl Economic Council (NEC), SENATE, Treasury, Dept of

Issues relating to: Reforms to Dodd-Frank Act; S.223, SeniorSafe Act; Fintech Policy; Government Sponsored Enterprise (GSE) Reform; H.R. 1457, Making Online Banking Initiation Legal and Easy Act of 2017 (MOBILE Act); S.J.Res 19, and H.J.Res 73,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 prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act"; H.R. 3299, Protecting Consumers Access to Credit Act of 2017; H.R. 3312, Systemic Risk Designation Improvement Act of 2017; and H.R. 3758, Senior Safe Act of 2017; Matters related to Interaffiliate Margin treatment; H.R. 3857, S. 2155, Economic Growth, Regulatory Relief, and Consumer Protection Act; Synthetic identify fraud; Bank Secrecy Act reform; Matters related to data breaches and data security; H.R. 4292 Financial Institutions Living Will Improvement Act of 2017; H.R. 2319, Consumer Financial Choice and Capital Markets Protection Act of 2017; H.R. 4061, Financial Stability Oversight Council Improvement Act of 2017; H.R. 1625,Consolidated Appropriations Act, 2018 and H.R. 5323, Derivatives Fairness Act

Client expense: $1,580,000 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), Federal Emergency Management Agency (FEMA), Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Natl Economic Council (NEC), SENATE, Treasury, Dept of, White House Office

Implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act relating to debit card interchange fees. Issues relating to mobile payments. Issues relating to anti-money laundering and the Bank Secrecy Act generally. Issues relating to cyber-security. Consumer Financial Protection Bureau proposed rule on prepaid cards. Issues relating to international remittances. Consumer Financial Protection Bureau rule concerning prepaid accounts. S.J.Res.19, providing for congressional disapproval of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts, all provisions. H.J.Res. 62, providing for congressional disapproval of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts, all provisions. H.J. Res. 73, providing for congressional disapproval of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts, all provisions. H.R. 1813, Border Wall Funding Act of 2017, all provisions. U.S. China economic relations.

Client expense: Not reported · Firm income: $22,500

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to credit union operations Issues related to credit union field of membership Issues related to credit union service organizations Issues related to vacancies on the National Credit Union Administration (NCUA) Board Issues related to NCUAs low income designation regulations Issues related to NCUA examination procedures Issues related to NCUAs regulation regarding its regulatory flexibility program Issues related to NCUAs proposed rule regarding emergency liquidity Issues related to NCUAs rulemaking process Issues related to NCUAs risk-based capital rule Issues related to NCUAs Advanced Notice of Proposed Rulemaking on Alternative Capital Issues related to NCUAs rule on securitization Issues related to NCUAs regulatory review process Issues related to NCUAs rule on Member Business Lending Issues related to Federal Credit Union bylaws Issues relating to home-based credit unions Issues related to credit union loan maturity restrictions Issues related to credit union investment authority Issues related to Regulation of Federal Credit Union by-laws Issues related to credit unions incidental powers Issues related to credit unions ability to offer prepaid cards Issues related to credit union service to marijuana businesses Issues related to material loss reports of the NCUA Office of Inspector General Issues related to the regulation of corporate credit unions Issues related to 1-4 Family Non-Owner Occupied Residential Loan Treatment as Residential Rather than Business Loans Issues related to the use of Eminent Domain to Seize Performing Mortgage Loans Issues related to fixed assets Issues related to credit union conversions Issues related to credit union call report modernization Issues related to premium assessments by the National Credit Union Share Insurance, NCUA Issues related to NCUAs Corporate Credit Union Stabilization Plan Issues related to NCUAs budget and the overhead transfer rate Issues related to Credit Union Service Organizations (CUSO) Issues related to the authority of the CFPB to exempt credit unions from its rulemaking Issues related to the CFPB rule to remittances and international wire transfers Issues related to CFPBs Leadership Structure and Installing a Board Rather than Director Issues related to funding the CFPB through the Appropriations Process Issues related to increasing the CFPB Supervisory Threshold Issues related to conducting a cost-benefit analysis of all CFPB Proposals Issues related to codifying the CFPBs Credit Union Advisory Council Issues related to requiring SBREFA Panels for CFPB Rulemakings Issues related to standardizing the definition of mortgage originator Issues related to overdraft protection and check ordering practices Issues related to mortgage servicing Issues related to mortgage loan originator compensation and qualifications Issues related to high-cost mortgage loans (HOEPA) Issues related to the CFPBs rule regarding qualified mortgage / ability to repay Issues related to reverse mortgages Issues related to the CFPBs regulation on Home Mortgage Disclosure Act (Regulation C) Issues related to the CFPBs regulation on Truth-in-Lending Act / Real Estate Settlement Procedures Act Integrated Disclosures Issues related to the payday, vehicle title, and similar lending Issues related to short term lending products and advance deposit products Issues related to the CFPBs consumer complaint database Issues related to the Department of Justices investigation entitled, Operation Choke Point Issues related to the Department of Defense proposal regarding Credit Extending to Service Members under MLA Issues related to indirect auto lending Issues related to credit union service to unbanked and underbanked consumers Issues related to the United States Postal Service Office of Inspector General report related to role of the postal service in financial services Issues related to the CFPB's proposal on arbitration Issues related to the Financial Accounting Standards Board (FASB) Issues related to mark-to-market accounting Issues related to private equity standards Issues related to data and cyber security Issues related to mobile banking and mobile payments Issues related to identity theft and fraud reduction Issues related to secure payments Issues related to merchant data breaches Issues related to the payments system Issues related to Federal Reserve Regulatory D Issues related to the Feds implementation of same-day ACH Issues related to the Bank Secrecy Act and Currency Transaction Reporting Requirements Issues related to the oversight of the Federal Housing Administration Issues related to USDA Rural Development Loan program Issues related to the Federal Home Loan Bank System Issues related to Fannie Mae capital Issues related to membership eligibility in the Federal Home Loan Bank System Issues related to financial literacy Issues related to Housing Finance Reform Issues related to student lending Issues related to the Economic Growth and Regulatory Paperwork Reduction Act process Issues related to retirement security Issues related to flood insurance Issues related to consumers access to records Issues related to economic growth Issues related to the National Credit Union Administration's Advance Notice of Proposed Rulemaking for Supplemental Capital Issues related to Interchange Fees Issues related to the funding of the National Credit Union Administration Issues related to the consumer notification of privacy standards Issues related to the Equal Credit Opportunity Act Issues related to the Fair Housing Act Issues related to the merger of credit unions Issues related to the Real Estate Settlement Procedures Act Issues related to the transfer of leadership at the Consumer Financial Protection Bureau Issues related to Community Reinvestment Act Issues related to Regulation Z Issues related to Military Lending Act Issues related to Financial Technology Issues related to Small Business Lending Data collection requirements Issues related to Involuntary liquidation of Federal Credit Unions and Claims procedures Issues related to Web-Based Quantitative Testing of Point of Sale / ATM Overdraft Disclosure Forms H.J. Res 111, a resolution providing for congressional disapproval under chapter 8 title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to "Arbitration Agreements" H.R. 10, the Financial CHOICE Act H.R. 26, the Regulations in Need of Scrutiny Act, all provisions H.R. 389, the Credit Union Residential Loan Parity Act, all provisions H.R. 924, the Financial Institutions Due Process Act H.R. 1116, the Taking Account of Institutions with Low Operation Risk Act (TAILOR), all provisions H.R. 1153, the Mortgage Choice Act of 2017, all provisions H.R. 1244, the Capital Access for Small Businesses and Jobs Act, all provisions H.R. 1264, the Community Financial Institution Exemption Act, all provisions H.R. 1457, the MOBILE Act, all provisions H.R. 1585, the Mutual Bank Capital Opportunity Act, all provisions H.R. 1958, the Protections Affordable Coverage for Employees (PACE) Act, all provisions H.R. 2054, Protecting Americans from Credit Entanglements Act of 2017 H.R. 2133, the Community Lending Enhancement and Regulatory Relief Act, all provisions H.R. 2204, the Homeowner Information Privacy Protection Act, all provisions H.R. 2226, the Portfolio Lending and Mortgage Access Act, all provisions H.R. 2359, Fair Credit Reporting Act Liability Harmonization H.R. 2396, the Privacy Notification Technical Correction Act H.R. 2706, the Financial Institution Customer Protection Act, all provisions H.R. 2954, the Home Mortgage Disclosure Adjustment Act H.R. 3072, the Bureau of Consumer Financial Protection Examination and Reporting Threshold, all provisions H.R. 3089, the Corporate Transparency Act H.R. 3221, the Securing Access to Affordable Mortgages Act, all provisions H.R. 3299, the Protecting Consumers Access to Credit Act of 2017, all provisions H.R. 3746, the Business of Insurance Regulatory Reform Act of 2017 H.R. 3758, the Senior Safe Act of 2017 H.R. 3857, the PASS: Protecting Advice for Small Savers Act, all provisions H.R. 3866, to amend the Federal Credit Union Act to exclude extensions of credit made to veterans from the definition of a member business loan, all provisions H.R. 3911, the Risk-Based Credit Examination Act, all provisions H.R. 3971, the Community Institution Mortgage Relief Act of 2017 H.R. 3978, To amend the Real Estate Settlement Procedures Act of 1974 to modify requirements related to mortgage disclosures, and for other purposes H.R. 4464, the Common Sense Credit Union Capital Relief Act of 2017, all provisions H.R. 4545, the Financial Institutions Examination Fairness and Reform Act, all provisions H.R. 4607, the Comprehensive Regulatory Review Act, all provisions H.R. 4648, the Home Mortgage Reporting Relief Act of 2017, all provisions H.R. 5078, the TRID Improvement Act of 2018, all provisions H.R. 5266, the Financial Product Safety Commission Act of 2018, all provisions H.R. 5288, the Common Sense Credit Union Capital Relief Act of 2018, all provisions S.J. Res. 47, a resolution providing for congressional disapproval under Chapter 8 title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to "Arbitration Agreements" S. 21, the Regulations in Need of Scrutiny Act, all provisions S. 223, the Senior $afe Act, all provisions S. 366, the Taking Account of Institutions with Low Operation Risk (TAILOR) Act, all provisions S. 836, the Credit Union Residential Loan Parity Act, all provisions S. 838, the Protecting Affordable Coverage for Employees (PACE) Act, all provisions S. 869, Protecting Americans from Credit Entanglements Act of 2017 S. 1002, CLEAR Relief Act of 2017, all provisions S. 1310, Home Mortgage Disclosure Adjustment Act S. 1579, the Bureau of Consumer Financial Protection Advisory Board Enhancement Act S. 2155, Economic Growth, Regulatory Relief, and Consumer protection Act, all provisions S. 2237, the Financial Institution Examination Fairness Reform Act, all provisions S.J.Res. 19, 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 prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act, all provisions Legislation contemplated by House Financial Services Committee Chairman Jeb Hensarling entitled the Financial Creating Hope and Opportunity for Investors, Consumer and Entrepreneurs (CHOICE) Act, provisions impacting credit unions, the National Credit Union Administration and the Consumer Financial Protection Bureau.

Client expense: $1,150,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Consumer Financial Protection Bureau (CFPB), Executive Office of the President (EOP), Federal Communications Commission (FCC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), SENATE, Small Business Administration (SBA), Treasury, Dept of, Veterans Affairs, Dept of (VA)

Implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act relating to interchange fees for debit cards. Bank Secrecy Act and anti-money laundering issues relating to prepaid payment cards. Issues regarding fraud committed against the elderly. Consumer Financial Protection Bureau proposed rule regarding prepaid cards. Issues relating to tax refund fraud. S.J.Res.19, providing for congressional disapproval of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts, all provisions. H.J.Res. 62, providing for congressional disapproval of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts, all provisions. H.J. Res. 73, providing for congressional disapproval of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts, all provisions.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Supplemental capital issues, regulatory issues for credit unions and tax exemption status: HR 10, HR 389, HR 620, HR 1018, HR 1031, HR 1116, HR 1153, HR 1244, HR 1264, HR 1401, HR 1422, HR 1423, HR 1426, HR 1457, HR 1529, HR 1699, HR 1801, HR 1958, HR 1964, HR 2133, HR 2170, HR 2215, HR 2226, HR 2246, HR 2359, HR 2403, HR 2553, HR 2570, HR 2706, HR 2793, HR 2868, HR 2874, HR 2875, HR 2877, HR 2890, HR 2954, HR 3072, HR 3110, HR 3221, HR 3312, HR 3354, HR 3746, HR 3758, HR 3766, HR 3857, HR 3866, HR 3971, HR 3978, HR 4081, HR 4296, HR 4439, HR 4464, HR 4499, HR 4545, HR 4648, HR 4651 HR 4746, HR 4764, HR 4771, HR 4790, HR 4861, HR 4905, HR 5076, HR 5166, HR 5266, HR 5288; HJ Res 62, HJ Res 73, HJ Res 122; S 21, S 105, S 223, SJ Res 19, S 365, S 366, S 370, S 387, S 563, S 567, S 836, S 838, S 1002, S 1264, S 1284, S 1313, S 1315, S 1368, S 1389, S 1499, S 1571, S 1579, S 1642, S 1753, S 1810, S 1962, S 1982, S 2155, S 2171, S 2237, S 2289, S 2362, S 2375; SJ Res 47 SJ Res 56, SJ Res 57; data security and cybersecurity: patent reform; FHLB membership rules; CFPB and FSOC reform; and GSE reform.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Mobile payments, fraud, data security, data storage regulatory reform, tax reporting, payments systems, cyber-security, financial services, merchant cash advances, privacy, the Federal Reserve and big data, CFPB prepaid products rule (Prepaid Accounts Under Direct Electronic Transfer Act {Regulation E} and the Truth in Lending Act), Federal Reserve Secure Payments Task Force, Marketplace lending, H.R. 10-Financial Choice Act of 2017, H.J. Res. 62/72-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 prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act, S.J.Res.19 - 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 prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act, H. R. 1801-To delay the effective date of the final rule of the Bureau of Consumer Financial Protection titled Prepaid Accounts under the Electronic Fund Transfer Act (Regulation E) and the Truth In Lending Act (Regulation Z)", S. 387-Consumer Financial Protection Bureau Accountability Act of 2017, S. 626-CFPB-IG Act of 2017. Fiscal Year 2018 Financial Services and General Government Appropriations Bill. CFPB Governance Structure. H.J.Res. 111, Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Arbitration Agreements." S.J.Res. 47, A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Arbitration Agreements". H.R. 4439, Modernizing Credit Opportunities Act of 2017. H.R. 3299, Protecting Consumers' Access to Credit Act of 2017. S. 1642, Protecting Consumers' Access to Credit Act of 2017. H.R. 3354, Make America Secure & Prosperous Appropriations Act.

Client expense: $360,000 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), Council of Economic Advisers (CEA), Federal Communications Commission (FCC), Federal Reserve System, Federal Trade Commission (FTC), Financial Crimes Enforcement Network (FinCEN), HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Economic Council (NEC), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of, U.S. Trade Representative (USTR)

Issues relating to: Reforms to Dodd-Frank Act; S.223, Senior$afe Act; Fintech Policy; Government Sponsored Enterprise (GSE) Reform; H.R. 1457, Making Online Banking Initiation Legal and Easy Act of 2017 (MOBILE Act); DOL Fiduciary Rule specifically the following resolutions, H.J.Res.66, H.J.Res 67, S.J.Res 32. S.J.Res 33, "Disapproving the rule submitted by the Department of Labor relating to savings arrangements established by States for non-governmental employees"; S.J.Res 19, and H.J.Res 73,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 prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act"; and International insurance issues; H.R. 2396, Privacy Notification Technical Clarification Act; H.R. 3299, Protecting Consumers Access to Credit Act of 2017; H.R. 3312, Systemic Risk Designation Improvement Act of 2017; and H.R. 3758, Senior Safe Act of 2017; Matters related to Interaffiliate Margin treatment; H.R. 3857, PASS Act of 2017; H.R. 2121, Pension, Endowment, and Mutual Fund Access to Banking Act; S. 2155, Economic Growth, Regulatory Relief, and Consumer Protection Act; Synthetic identify fraud; Bank Secrecy Act reform; Matters related to data breaches and data security; and H.R. 1, Tax Cuts and Jobs Act

Client expense: $1,280,000 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), Federal Emergency Management Agency (FEMA), Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Labor, Dept of (DOL), Natl Economic Council (NEC), Office of Management & Budget (OMB), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of, White House Office

Issues relating to: Reforms to Dodd-Frank Act; Cyber Security; H.R. 910, Fair Access to Investment Research Act of 2017; S. 327,Fair Access to Investment Research Act of 2017; S.223, Senior Safe Act; Fintech Policy; Government Sponsored Enterprise (GSE) Reform; H.R. 1457, Making Online Banking Initiation Legal and Easy Act of 2017 (MOBILE Act); DOL Fiduciary Rule specifically the following resolutions, H.J.Res.66, H.J.Res 67, S.J.Res 32. S.J.Res 33, "Disapproving the rule submitted by the Department of Labor relating to savings arrangements established by States for non-governmental employees."; S.J.Res 19, and H.J.Res 73,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 prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act"; and International insurance issues; H.R. 2396, Privacy Notification Technical Clarification Act; H.R. 3299, Protecting Consumers Access to Credit Act of 2017; H.R. 3312, Systemic Risk Designation Improvement Act of 2017; and H.R. 3758, Senior Safe Act of 2017; and matters related to Interaffiliate Margin treatment

Client expense: $780,000 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), Federal Emergency Management Agency (FEMA), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Labor, Dept of (DOL), Natl Economic Council (NEC), Office of Management & Budget (OMB), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of, White House Office