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".

Legislative proposal (Luetkemeyer) relating to access to banking services for financial services providers. Federal policy relating to anticipated Consumer Financial Protection Bureau regulation of consumer financial services including payday, auto title lending, and regulatory process. Legislation relating to federal regulation of interest rates on financial products, including: 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", 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". Legislative proposals H.R. 3299 Protecting Consumer's Access to Credit Act of 2017" and H.R. 4439 "Modernizing Credit Opportunities Act. Amendment to the House of Representatives National Defense Authorization Act expanding the application of the Consumer Financial Protection Bureau's "Payday, Vehicle Title, and Certain High-Cost Installment Loans"; and S 1230 "Protecting Consumers from Unreasonable Credit Rates Act of 2019." Implementation of CARES Act (PL 116-136), provisions relating to the payroll protection program. HR 5050 - "Veterans and Consumers Fair Credit Act," provisions relating to federal regulation of interest rates on financial products. Legislative proposal H.R. 4128 (Payne) "Payment Choice Act of 2023", to ensure that U.S. currency is treated as legal tender to be accepted as payment for purchases of goods and services. Legislative proposal H.R. 7428 (Steil) "Earned Wage Access Consumer Protection Act", to regulate the business of offering and providing earned wage access services to consumers, and for other purposes. Legislative proposal H.R. 10036 (Barr/Gonzalez) "Civil Investigative Demand Reform Act of 2024", to reform the process and procedure for issuance and prosecution of Civil Investigative Demands by the Consumer Financial Protection Bureau, and for other purposes. Legislative proposal H.R. 1653 (Barr/Gonzalez) "Civil Investigative Demand Reform Act of 2025", to reform the process and procedure for issuance and prosecution of Civil Investigative Demands by the Consumer Financial Protection Bureau, and for other purposes. Geographic Targeting Order (GTO) issued by the Financial Crimes Enforcement Network (FinCEN) ordering Money Services Businesses (MSBs) in border zip codes in TX and CA to file Currency Transaction Reports (CTRs) at $200 level. Section 70604 of H.R. 1 (One Big Beautiful Bill Act) imposing a tax on all individual cross-border electronic remittance transactions.

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

Government targets: Financial Crimes Enforcement Network (FinCEN), HOUSE OF REPRESENTATIVES, SENATE

Legislative proposal (Luetkemeyer) relating to access to banking services for financial services providers. Federal policy relating to anticipated Consumer Financial Protection Bureau regulation of consumer financial services including payday, auto title lending, and regulatory process. Legislation relating to federal regulation of interest rates on financial products, including: 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", 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". Legislative proposals H.R. 3299 Protecting Consumer's Access to Credit Act of 2017" and H.R. 4439 "Modernizing Credit Opportunities Act. Amendment to the House of Representatives National Defense Authorization Act expanding the application of the Consumer Financial Protection Bureau's "Payday, Vehicle Title, and Certain High-Cost Installment Loans"; and S 1230 "Protecting Consumers from Unreasonable Credit Rates Act of 2019." Implementation of CARES Act (PL 116-136), provisions relating to the payroll protection program. HR 5050 - "Veterans and Consumers Fair Credit Act," provisions relating to federal regulation of interest rates on financial products. Legislative proposal H.R. 4128 (Payne) "Payment Choice Act of 2023", to ensure that U.S. currency is treated as legal tender to be accepted as payment for purchases of goods and services. Legislative proposal H.R. 7428 (Steil) "Earned Wage Access Consumer Protection Act", to regulate the business of offering and providing earned wage access services to consumers, and for other purposes. Legislative proposal H.R. 10036 (Barr/Gonzalez) "Civil Investigative Demand Reform Act of 2024", to reform the process and procedure for issuance and prosecution of Civil Investigative Demands by the Consumer Financial Protection Bureau, and for other purposes. Legislative proposal H.R. 1653 (Barr/Gonzalez) "Civil Investigative Demand Reform Act of 2025", to reform the process and procedure for issuance and prosecution of Civil Investigative Demands by the Consumer Financial Protection Bureau, and for other purposes. Geographic Targeting Order (GTO) issued by the Financial Crimes Enforcement Network (FinCEN) ordering Money Services Businesses (MSBs) in border zip codes in TX and CA to file Currency Transaction Reports (CTRs) at $200 level.

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

Government targets: Financial Crimes Enforcement Network (FinCEN), HOUSE OF REPRESENTATIVES, SENATE

Legislative proposal (Luetkemeyer) relating to access to banking services for financial services providers. Federal policy relating to anticipated Consumer Financial Protection Bureau regulation of consumer financial services including payday, auto title lending, and regulatory process. Legislation relating to federal regulation of interest rates on financial products, including: 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", 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". Legislative proposals H.R. 3299 Protecting Consumer's Access to Credit Act of 2017" and H.R. 4439 "Modernizing Credit Opportunities Act. Amendment to the House of Representatives National Defense Authorization Act expanding the application of the Consumer Financial Protection Bureau's "Payday, Vehicle Title, and Certain High-Cost Installment Loans"; and S 1230 "Protecting Consumers from Unreasonable Credit Rates Act of 2019." Implementation of CARES Act (PL 116-136), provisions relating to the payroll protection program. HR 5050 - "Veterans and Consumers Fair Credit Act," provisions relating to federal regulation of interest rates on financial products. Legislative proposal H.R. 4128 (Payne) "Payment Choice Act of 2023", to ensure that U.S. currency is treated as legal tender to be accepted as payment for purchases of goods and services. Legislative proposal H.R. 7428 (Steil) "Earned Wage Access Consumer Protection Act", to regulate the business of offering and providing earned wage access services to consumers, and for other purposes. Legislative proposal H.R. 10036 (Barr/Gonzalez) "Civil Investigative Demand Reform Act of 2024", to reform the process and procedure for issuance and prosecution of Civil Investigative Demands by the Consumer Financial Protection Bureau, and for other purposes.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Legislative proposal (Luetkemeyer) relating to access to banking services for financial services providers. Federal policy relating to anticipated Consumer Financial Protection Bureau regulation of consumer financial services including payday, auto title lending, and regulatory process. Legislation relating to federal regulation of interest rates on financial products, including: 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", 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". Legislative proposals H.R. 3299 Protecting Consumer's Access to Credit Act of 2017" and H.R. 4439 "Modernizing Credit Opportunities Act. Amendment to the House of Representatives National Defense Authorization Act expanding the application of the Consumer Financial Protection Bureau's "Payday, Vehicle Title, and Certain High-Cost Installment Loans"; and S 1230 "Protecting Consumers from Unreasonable Credit Rates Act of 2019." Implementation of CARES Act (PL 116-136), provisions relating to the payroll protection program. HR 5050 - "Veterans and Consumers Fair Credit Act," provisions relating to federal regulation of interest rates on financial products. Legislative proposal H.R. 4128 (Payne) "Payment Choice Act of 2023", to ensure that U.S. currency is treated as legal tender to be accepted as payment for purchases of goods and services. Legislative proposal H.R. 7428 (Steil) "Earned Wage Access Consumer Protection Act", to regulate the business of offering and providing earned wage access services to consumers, and for other purposes.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Legislative proposal (Luetkemeyer) relating to access to banking services for financial services providers. Federal policy relating to anticipated Consumer Financial Protection Bureau regulation of consumer financial services including payday, auto title lending, and regulatory process. Legislation relating to federal regulation of interest rates on financial products, including: 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", 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". Legislative proposals H.R. 3299 Protecting Consumer's Access to Credit Act of 2017" and H.R. 4439 "Modernizing Credit Opportunities Act. Amendment to the House of Representatives National Defense Authorization Act expanding the application of the Consumer Financial Protection Bureau's "Payday, Vehicle Title, and Certain High-Cost Installment Loans"; and S 1230 "Protecting Consumers from Unreasonable Credit Rates Act of 2019." Implementation of CARES Act (PL 116-136), provisions relating to the payroll protection program. HR 5050 - "Veterans and Consumers Fair Credit Act," provisions relating to federal regulation of interest rates on financial products. Legislative proposal H.R. 4128 (Payne) "Payment Choice Act of 2023", to ensure that U.S. currency is treated as legal tender to be accepted as payment for purchases of goods and services. Legislative proposal H.R. 7428 (Steil) "Earned Wage Access Consumer Protection Act", to regulate the business of offering and providing earned wage access services to consumers, and for other purposes.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Legislative proposal (Luetkemeyer) relating to access to banking services for financial services providers. Federal policy relating to anticipated Consumer Financial Protection Bureau regulation of consumer financial services including payday, auto title lending, and regulatory process. Legislation relating to federal regulation of interest rates on financial products, including: 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", 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". Legislative proposals H.R. 3299 Protecting Consumer's Access to Credit Act of 2017" and H.R. 4439 "Modernizing Credit Opportunities Act. Amendment to the House of Representatives National Defense Authorization Act expanding the application of the Consumer Financial Protection Bureau's "Payday, Vehicle Title, and Certain High-Cost Installment Loans"; and S 1230 "Protecting Consumers from Unreasonable Credit Rates Act of 2019." Implementation of CARES Act (PL 116-136), provisions relating to the payroll protection program. HR 5050 - "Veterans and Consumers Fair Credit Act," provisions relating to federal regulation of interest rates on financial products. Legislative proposal H.R. 4128 (Payne) "Payment Choice Act of 2023", to ensure that U.S. currency is treated as legal tender to be accepted as payment for purchases of goods and services. Legislative proposal H.R. 7428 (Steil) "Earned Wage Access Consumer Protection Act", to regulate the business of offering and providing earned wage access services to consumers, and for other purposes.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Legislative proposal (Luetkemeyer) relating to access to banking services for financial services providers. Federal policy relating to anticipated Consumer Financial Protection Bureau regulation of consumer financial services including payday, auto title lending, and regulatory process. Legislation relating to federal regulation of interest rates on financial products, including: 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", 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". Legislative proposals H.R. 3299 Protecting Consumer's Access to Credit Act of 2017" and H.R. 4439 "Modernizing Credit Opportunities Act. Amendment to the House of Representatives National Defense Authorization Act expanding the application of the Consumer Financial Protection Bureau's "Payday, Vehicle Title, and Certain High-Cost Installment Loans"; and S 1230 "Protecting Consumers from Unreasonable Credit Rates Act of 2019." Implementation of CARES Act (PL 116-136), provisions relating to the payroll protection program. HR 5050 - "Veterans and Consumers Fair Credit Act," provisions relating to federal regulation of interest rates on financial products. Legislative proposal H.R. 4128 (Payne) "Payment Choice Act of 2023", to ensure that U.S. currency is treated as legal tender to be accepted as payment for purchases of goods and services.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Legislative proposal (Luetkemeyer) relating to access to banking services for financial services providers. Federal policy relating to anticipated Consumer Financial Protection Bureau regulation of consumer financial services including payday, auto title lending, and regulatory process. Legislation relating to federal regulation of interest rates on financial products, including: 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", 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". Legislative proposals H.R. 3299 Protecting Consumer's Access to Credit Act of 2017" and H.R. 4439 "Modernizing Credit Opportunities Act. Amendment to the House of Representatives National Defense Authorization Act expanding the application of the Consumer Financial Protection Bureau's "Payday, Vehicle Title, and Certain High-Cost Installment Loans"; and S 1230 "Protecting Consumers from Unreasonable Credit Rates Act of 2019." Implementation of CARES Act (PL 116-136), provisions relating to the payroll protection program. HR 5050 - "Veterans and Consumers Fair Credit Act," provisions relating to federal regulation of interest rates on financial products. Legislative proposal H.R. 4128 (Payne) "Payment Choice Act of 2023", to ensure that U.S. currency is treated as legal tender to be accepted as payment for purchases of goods and services.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Legislative proposal (Luetkemeyer) relating to access to banking services for financial services providers. Federal policy relating to anticipated Consumer Financial Protection Bureau regulation of consumer financial services including payday, auto title lending, and regulatory process. Legislation relating to federal regulation of interest rates on financial products, including: 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", 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". Legislative proposals H.R. 3299 Protecting Consumer's Access to Credit Act of 2017" and H.R. 4439 "Modernizing Credit Opportunities Act. Amendment to the House of Representatives National Defense Authorization Act expanding the application of the Consumer Financial Protection Bureau's "Payday, Vehicle Title, and Certain High-Cost Installment Loans"; and S 1230 "Protecting Consumers from Unreasonable Credit Rates Act of 2019." Implementation of CARES Act (PL 116-136), provisions relating to the payroll protection program. HR 5050 - "Veterans and Consumers Fair Credit Act," provisions relating to federal regulation of interest rates on financial products. Legislative proposal H.R. 4128 (Payne) "Payment Choice Act of 2023", to ensure that U.S. currency is treated as legal tender to be accepted as payment for purchases of goods and services.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Legislative proposal (Luetkemeyer) relating to access to banking services for financial services providers. Federal policy relating to anticipated Consumer Financial Protection Bureau regulation of consumer financial services including payday, auto title lending, and regulatory process. Legislation relating to federal regulation of interest rates on financial products, including: 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", 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". Legislative proposals H.R. 3299 Protecting Consumer's Access to Credit Act of 2017" and H.R. 4439 "Modernizing Credit Opportunities Act. Amendment to the House of Representatives National Defense Authorization Act expanding the application of the Consumer Financial Protection Bureau's "Payday, Vehicle Title, and Certain High-Cost Installment Loans"; and S 1230 "Protecting Consumers from Unreasonable Credit Rates Act of 2019." Implementation of CARES Act (PL 116-136), provisions relating to the payroll protection program. HR 5050 - "Veterans and Consumers Fair Credit Act," provisions relating to federal regulation of interest rates on financial products.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Legislative proposal (Luetkemeyer) relating to access to banking services for financial services providers. Federal policy relating to anticipated Consumer Financial Protection Bureau regulation of consumer financial services including payday, auto title lending, and regulatory process. Legislation relating to federal regulation of interest rates on financial products, including: 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", 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". Legislative proposals H.R. 3299 Protecting Consumer's Access to Credit Act of 2017" and H.R. 4439 "Modernizing Credit Opportunities Act. Amendment to the House of Representatives National Defense Authorization Act expanding the application of the Consumer Financial Protection Bureau's "Payday, Vehicle Title, and Certain High-Cost Installment Loans"; and S 1230 "Protecting Consumers from Unreasonable Credit Rates Act of 2019." Implementation of CARES Act (PL 116-136), provisions relating to the payroll protection program. HR 5050 - "Veterans and Consumers Fair Credit Act," provisions relating to federal regulation of interest rates on financial products.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Legislative proposal (Luetkemeyer) relating to access to banking services for financial services providers. Federal policy relating to anticipated Consumer Financial Protection Bureau regulation of consumer financial services including payday, auto title lending, and regulatory process. Legislation relating to federal regulation of interest rates on financial products, including: 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", 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". Legislative proposals H.R. 3299 Protecting Consumer's Access to Credit Act of 2017" and H.R. 4439 "Modernizing Credit Opportunities Act. Amendment to the House of Representatives National Defense Authorization Act expanding the application of the Consumer Financial Protection Bureau's "Payday, Vehicle Title, and Certain High-Cost Installment Loans"; and S 1230 "Protecting Consumers from Unreasonable Credit Rates Act of 2019." Implementation of CARES Act (PL 116-136), provisions relating to the payroll protection program. HR 5050 - "Veterans and Consumers Fair Credit Act," provisions relating to federal regulation of interest rates on financial products.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Federal policy relating to anticipated Consumer Financial Protection Bureau regulation of consumer financial services including payday, auto title lending, and regulatory process. Legislation relating to federal regulation of interest rates on financial products, including: 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", 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". Legislative proposals H.R. 3299 Protecting Consumer's Access to Credit Act of 2017" and H.R. 4439 "Modernizing Credit Opportunities Act. Amendment to the House of Representatives National Defense Authorization Act expanding the application of the Consumer Financial Protection Bureau's "Payday, Vehicle Title, and Certain High-Cost Installment Loans"; and S 1230 "Protecting Consumers from Unreasonable Credit Rates Act of 2019." Implementation of CARES Act (PL 116-136), provisions relating to the payroll protection program. HR 5050 - "Veterans and Consumers Fair Credit Act," provisions relating to federal regulation of interest rates on financial products.

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

Legislative proposal (Luetkemeyer) relating to access to banking services for financial services providers. Federal policy relating to anticipated Consumer Financial Protection Bureau regulation of consumer financial services including payday, auto title lending, and regulatory process. Legislation relating to federal regulation of interest rates on financial products, including: 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", 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". Legislative proposals H.R. 3299 Protecting Consumer's Access to Credit Act of 2017" and H.R. 4439 "Modernizing Credit Opportunities Act. Amendment to the House of Representatives National Defense Authorization Act expanding the application of the Consumer Financial Protection Bureau's "Payday, Vehicle Title, and Certain High-Cost Installment Loans"; and S 1230 "Protecting Consumers from Unreasonable Credit Rates Act of 2019." Implementation of CARES Act (PL 116-136), provisions relating to the payroll protection program. HR 5050 - "Veterans and Consumers Fair Credit Act," provisions relating to federal regulation of interest rates on financial products.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Legislative proposal (Luetkemeyer) related to access to banking services for financial services providers. Federal policy relating to anticipated Consumer Financial Protection Bureau regulation of consumer financial services including payday, auto title lending, and regulatory process. 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", 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". Legislative proposals H.R. 3299 Protecting Consumer's Access to Credit Act of 2017" and H.R. 4439 "Modernizing Credit Opportunities Act. Amendment to the House of Representatives National Defense Authorization Act expanding the application of the Consumer Financial Protection Bureau's "Payday, Vehicle Title, and Certain High-Cost Installment Loans." Unnumbered "Protecting Consumers from Unreasonable Credit Rates Act of 2019" provisions relating to interest rates on financial products. H.R. 748, CARES Act, provisions relating to the payroll protection program.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Legislative proposal (Luetkemeyer) related to access to banking services for financial services providers. Federal policy relating to anticipated Consumer Financial Protection Bureau regulation of consumer financial services including payday, auto title lending, and regulatory process. 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", 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". Legislative proposals H.R. 3299 Protecting Consumer's Access to Credit Act of 2017" and H.R. 4439 "Modernizing Credit Opportunities Act. Amendment to the House of Representatives National Defense Authorization Act expanding the application of the Consumer Financial Protection Bureau's "Payday, Vehicle Title, and Certain High-Cost Installment Loans." Unnumbered "Protecting Consumers from Unreasonable Credit Rates Act of 2019" provisions relating to interest rates on financial products.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Legislative proposal (Luetkemeyer) related to access to banking services for financial services providers. Federal policy relating to anticipated Consumer Financial Protection Bureau regulation of consumer financial services including payday, auto title lending, and regulatory process. 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", 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". Legislative proposals H.R. 3299 Protecting Consumer's Access to Credit Act of 2017" and H.R. 4439 "Modernizing Credit Opportunities Act. Amendment to the House of Representatives National Defense Authorization Act expanding the application of the Consumer Financial Protection Bureau's "Payday, Vehicle Title, and Certain High-Cost Installment Loans." Unnumbered "Protecting Consumers from Unreasonable Credit Rates Act of 2019" provisions relating to interest rates on financial products.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Legislative proposal (Luetkemeyer) related to access to banking services for financial services providers. Federal policy relating to anticipated Consumer Financial Protection Bureau regulation of consumer financial services including payday, auto title lending, and regulatory process. 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", 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". Legislative proposals H.R. 3299 Protecting Consumer's Access to Credit Act of 2017" and H.R. 4439 "Modernizing Credit Opportunities Act.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Legislative proposal (Luetkemeyer) related to access to banking services for financial services providers. Federal policy relating to anticipated Consumer Financial Protection Bureau regulation of consumer financial services including payday, auto title lending, and regulatory process. 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", 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". Legislative proposals H.R. 3299 Protecting Consumer's Access to Credit Act of 2017" and H.R. 4439 "Modernizing Credit Opportunities Act.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

1) Against sharing interest income with foreign tax collectors. No specific legislation. 2) Repeal Foreign Account Tax Compliance Act. No specific legislation. 3) Support H.J. Res. 122., S.J. Res. 56. Providing for congressional disapproval under the Congressional Review Act of CFPB rule on payday loans.

Client expense: Not reported · Firm income: Not reported

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

1) Against sharing interest income with foreign tax collectors. No specific legislation. 2) Repeal Foreign Account Tax Compliance Act. No specific legislation. 3) Support H.J. Res. 122., S.J. Res. 56. Providing for congressional disapproval under the Congressional Review Act of CFPB rule on payday loans.

Client expense: Not reported · Firm income: Not reported

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

Military Lending Act S.J Res. 47 - CFPB Arbitration Rule Disapproval S.J Res. 56 - CFPB Payday Loan Rule Disapproval S.J.Res. 57 - CFPB Auto Lending Rule Disapproval S. 2155 - Economic Growth, Regulatory Relief and Consumer Protection Act H.R. 5515 - John S. McCain National Defense Authorization Act for FY 2019 S. 3164 - Privacy Notification Technical Clarification Act

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

Government targets: Defense, Dept of (DOD), SENATE

Military Lending Act S.J. Res. 47 - CFPB Arbitration Rule Disapproval S.J. Res. 56 - CFPB Payday Loan Rule Disapproval S.J. Res. 57 - CFPB Auto Lending Rule Disapproval S. 2155 Economic Growth, Regulatory Relief, and Consumer Protection Act H.R. 5515 - John S. McCain National Defense Authorization Act for FY 2019 S. 3164 - Privacy Notification Technical Clarification Act

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

Government targets: Defense, Dept of (DOD), SENATE

General financial services issues pertaining to the company, including Consumer Financial Protection Bureau, Operation Choke Point, H.R. 2706 Financial Institution Customer Protection Act of 2017, H.R. 10 Financial CHOICE 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" and to be safe, 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".

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Legislative proposal (Luetkemeyer) related to access to banking services for financial services providers. Federal policy relating to anticipated Consumer Financial Service Bureau regulation of consumer financial services including payday and auto title lending, and regulatory process. 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"; 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. Legislative proposals H.R. 3299 "Protecting Consumer's Access to Credit Act of 2017" and H.R. 4439 "Modernizing Credit Opportunities Act.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

General financial issues pertaining to the company. HR 2706, Financial Institution Customer Protection Act of 2017; provisions related to banking. Consumer Financial Protection Bureau, Operation Choke Point, Congressional Review Act H.R. 10 Financial CHOICE Act; all provisions. 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" and to be safe. 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". H.R. 3299 "Protecting Consumer's Access to Credit Act of 2017" ; all provisions. H.R. 4439 "Modernizing Credit Opportunities Act; all provisions.

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

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 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

Dodd Frank Wall Street Reform and Consumer Protection Act and proposed reform bills (S. 2155), Auto Lending (CFPB regulations), Consumer Privacy (HR 2396 and S 3164), Industrial Loan Banks, Installment Lending, Military Lending (DoD regulations), Mortgage Lending, Payment Cards, Small Business Lending, Tax Reform, Telephone Consumer Protection Act, HJ Res 122 and SJ Res 56 on CRA for payday lending, SJ Res 57 on CFPB auto lending, S. 3734 on unsolicited loans

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

Government targets: Consumer Financial Protection Bureau (CFPB), Defense, Dept of (DOD), Federal Communications Commission (FCC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), SENATE, Small Business Administration (SBA), Treasury, Dept of, Vice President of the U.S., White House Office

Dodd Frank Wall Street Reform and Consumer Protection Act and proposed reform bills (S. 2155, HR 5266), Auto Lending (CFPB regulations), Consumer Privacy (HR 2396 and S 3164), Industrial Loan Banks, Installment Lending, Military Lending (DoD regulations), Mortgage Lending, Payment Cards, Small Business Lending, Tax Reform, Telephone Consumer Protection Act, HJ Res 122 and SJ Res 56 on CRA for payday lending, SJ Res 57 on CFPB auto lending, S. 3734 on unsolicited loans

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

Government targets: Consumer Financial Protection Bureau (CFPB), Defense, Dept of (DOD), Federal Communications Commission (FCC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), SENATE, Small Business Administration (SBA), Treasury, Dept of, Vice President of the U.S., White House Office

Authority of CFPB CFPB Office of Fair Lending and Equal Opportunity Funding of CFPB H.R. 10, Financial CHOICE Act H.R. 1153, the "Mortgage Choice Act" H.R. 2570, the "Mortgage Fairness Act of 2017" H.R. 3072, the "Bureau of Consumer Financial Protection Examination and Reporting Threshold Act of 2017" H.R. 3299, the "Protecting Consumers Access to Credit Act of 2017" HR 4439 -- Modernizing Credit Opportunities Act Legislation affecting Consumer Financial Protection Bureau staffing S. 2417 -- the Stopping Abuse & Fraud in Electronic (SAFE) Lending Act SEC fiduciary rule S.J. Res. 57, H.J. Res. 132 CRA for CFPB Guidance on Indirect Auto-Lending S.J. Res 56/H.J. 122 CRA for CFPB Payday Rule S. 387 -- Consumer Financial Protection Bureau Accountability Act of 2017 HR 1018 -- CFPB Constitutional Reform Act of 2017 HR 5534 Give Useful Information to Define Effective Guidance (GUIDE) Act HR 6743 Consumer Information Notification Requirement Act HR 6972 Consumers First Act S 3503 American Housing and Economic Mobility Act S.488 - JOBS and Investor Confidence Act of 2018 Reg BI Whistleblower program

Client expense: $83,504 · Firm income: Not reported

Government targets: Commodity Futures Trading Commission (CFTC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

Military Lending Act S.J. Res. 47 - CFPB Arbitration Rule Disapproval S.J. Res. 56 - CFPB Payday Loan Rule Disapproval S.J. Res. 57 - CFPB Auto Lending Rule Disapproval S. 2155 Economic Growth, Regulatory Relief, and Consumer Protection Act H.R. 5515 - John S. McCain National Defense Authorization Act for FY 2019 S. 3164 - Privacy Notification Technical Clarification Act

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

Government targets: Defense, Dept of (DOD), SENATE

Military Lending Act S.J Res. 47 - CFPB Arbitration Rule Disapproval S.J Res. 56 - CFPB Payday Loan Rule Disapproval S.J.Res. 57 - CFPB Auto Lending Rule Disapproval S. 2155 - Economic Growth, Regulatory Relief and Consumer Protection Act H.R. 5515 - John S. McCain National Defense Authorization Act for FY 2019 S. 3164 - Privacy Notification Technical Clarification Act

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

Government targets: Defense, Dept of (DOD), SENATE

General financial issues pertaining to the company. HR 2706, Financial Institution Customer Protection Act of 2017; provisions related to banking. Consumer Financial Protection Bureau, Operation Choke Point, Congressional Review Act H.R. 10 Financial CHOICE Act; all provisions. 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" and to be safe. 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". H.R. 3299 "Protecting Consumer's Access to Credit Act of 2017" ; all provisions. H.R. 4439 "Modernizing Credit Opportunities Act; all provisions.

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

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

Legislative proposal (Luetkemeyer) related to access to banking services for financial services providers. Federal policy relating to anticipated Consumer Financial Service Bureau regulation of consumer financial services including payday and auto title lending, and regulatory process. 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"; 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. Legislative proposals H.R. 3299 "Protecting Consumer's Access to Credit Act of 2017" and H.R. 4439 "Modernizing Credit Opportunities Act.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

General financial services issues pertaining to the company, including Consumer Financial Protection Bureau, Operation Choke Point, H.R. 2706 Financial Institution Customer Protection Act of 2017, H.R. 10 Financial CHOICE 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" and to be safe, 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".

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

General financial services issues pertaining to the company, including Consumer Financial Protection Bureau, Operation Choke Point, H.R. 2706 Financial Institution Customer Protection Act of 2017, H.R. 10 Financial CHOICE 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" and to be safe, 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".

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Dodd Frank Wall Street Reform and Consumer Protection Act and proposed reform bills (S. 2155), Auto Lending (CFPB regulations), Consumer Privacy (HR 2396 and S 3164), Industrial Loan Banks, Installment Lending, Military Lending (DoD regulations), Mortgage Lending, Payment Cards, Small Business Lending, Tax Reform, Telephone Consumer Protection Act, HJ Res 122 and SJ Res 56 on CRA for payday lending, SJ Res 57 on CFPB auto lending

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

Government targets: Consumer Financial Protection Bureau (CFPB), Defense, Dept of (DOD), Federal Communications Commission (FCC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), SENATE, Small Business Administration (SBA), Treasury, Dept of, Vice President of the U.S., White House Office

Dodd Frank Wall Street Reform and Consumer Protection Act and proposed reform bills (S. 2155, HR 5266), Auto Lending (CFPB regulations), Consumer Privacy (HR 2396 and S 3164), Industrial Loan Banks, Installment Lending, Military Lending (DoD regulations), Mortgage Lending, Payment Cards, Small Business Lending, Tax Reform, Telephone Consumer Protection Act, HJ Res 122 and SJ Res 56 on CRA for payday lending, SJ Res 57 on CFPB auto lending

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

Government targets: Consumer Financial Protection Bureau (CFPB), Defense, Dept of (DOD), Federal Communications Commission (FCC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), SENATE, Small Business Administration (SBA), Treasury, Dept of, Vice President of the U.S., White House Office

Best interest standard CFPB Office of Fair Lending and Equal Opportunity Funding of CFPB H.R. 3299, the "Protecting Consumers Access to Credit Act of 2017" HR 4439 -- Modernizing Credit Opportunities Act Legislation affecting Consumer Financial Protection Bureau staffing S. 2417 -- the Stopping Abuse & Fraud in Electronic (SAFE) Lending Act SEC fiduciary rule S.J. Res. 57, H.J. Res. 132 CRA for CFPB Guidance on Indirect Auto-Lending HR 6096 -- Reward Work Act S. 2605 -- Reward Work Act HR 5756 -- To require the Securities and Exchange Commission to adjust certain resubmission thresholds for shareholder proposals Budd Discussion Draft (SEC R 002) HR 6035 -- Streamlining Communications for Investors Act HR 5970 -- Simplifying Disclosures for Investors Act HR 6130 -- Helping Startups Continue to Grow Act S.J. Res 56/H.J. 122 CRA for CFPB Payday Rule S. 387 -- Consumer Financial Protection Bureau Accountability Act of 2017 HR 1018 -- CFPB Constitutional Reform Act of 2017

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

Government targets: Commodity Futures Trading Commission (CFTC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

1) Against sharing interest income with foreign tax collectors. No specific legislation. 2) Repeal Foreign Account Tax Compliance Act. No specific legislation. 3) Support H.J. Res. 122., S.J. Res. 56. Providing for congressional disapproval under the Congressional Review Act of CFPB rule on payday loans.

Client expense: Not reported · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), HOUSE OF REPRESENTATIVES, SENATE, State, Dept of (DOS), Treasury, Dept of

S. 2155, Economic Growth, Regulatory Relief, and Consumer Protection Act S.J. Res. 57 (Resolution of Disapproval of CFPB auto lending guidance) Community Reinvestment Act reform Bureau of Consumer Financial Protection inherited regulations Bank capital rules Banks stress tests Best interest standard CFPB Office of Fair Lending and Equal Opportunity Financial Technology ("Fintech") Funding of CFPB H.R. 1116, the "Taking Account of Institutions with Low Operation Risk Act of 2017" H.R. 1144, the Inclusive Prosperity Act H.R. 3299, the "Protecting Consumers Access to Credit Act of 2017" H.R. 3948, the "Protection of Source Code Act" H.R. 4293, the "Stress Test Improvement Act" H.R. 4545, the "Financial Institutions Examination Fairness and Reform Act" HR 4061 -- Financial Stability Oversight Council Improvement Act of 2017 HR 4439 -- Modernizing Credit Opportunities Act HR 4790 -- Volcker Rule Regulatory Harmonization Act HR 5749 -- Options Market Stability Act Legislation affecting Consumer Financial Protection Bureau staffing Nominations for SEC, CFTC, FDIC Protecting Consumers Access to Credit Act of 2017 (H.R. 3299) S. 1020, the Carried Interest Fairness Act S. 2155 -- Economic Growth, Regulatory Relief, and Consumer Protection Act S. 2417 -- the Stopping Abuse & Fraud in Electronic (SAFE) Lending Act SEC fiduciary rule Substitute Amendment to S. 2155 S.J. Res. 57, H.J. Res. 132 CRA for CFPB Guidance on Indirect Auto-Lending Volcker Rule HR 6096 -- Reward Work Act S. 2605 -- Reward Work Act Brokaw bill HR 3861 -- Federal Insurance Office Reform Act of 2017 HR 5054 -- Small Company Disclosure Simplification Act of 2018 HR 5756 -- To require the Securities and Exchange Commission to adjust certain resubmission thresholds for shareholder proposals HR 5877 -- Main Street Growth Act Budd Discussion Draft (SEC R 002) HR 6035 -- Streamlining Communications for Investors Act HR 5970 -- Simplifying Disclosures for Investors Act HR 6130 -- Helping Startups Continue to Grow Act Liquidity disclosures for funds Budget - FSGG Appropriations S.J. Res 56/H.J. 122 CRA for CFPB Payday Rule S. 387 -- Consumer Financial Protection Bureau Accountability Act of 2017 HR 1018 -- CFPB Constitutional Reform Act of 2017

Client expense: $521,294 · Firm income: Not reported

Government targets: Bureau of the Census, Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Consumer Financial Protection Bureau (CFPB), Education, Dept of, Executive Office of the President (EOP), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Labor, Dept of (DOL), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of, U.S. Commission on Civil Rights

General financial services issues pertaining to the company, including Consumer Financial Protection Bureau, Operation Choke Point, H.R. 2706 Financial Institution Customer Protection Act of 2017, H.R. 10 Financial CHOICE 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" and to be safe, 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".

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

General financial services issues pertaining to the company, including Consumer Financial Protection Bureau, Operation Choke Point, H.R. 2706 Financial Institution Customer Protection Act of 2017, H.R. 10 Financial CHOICE 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" and to be safe, 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".

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

General financial issues pertaining to the company. HR 2706, Financial Institution Customer Protection Act of 2017; provisions related to banking. Consumer Financial Protection Bureau, Operation Choke Point, Congressional Review Act H.R. 10 Financial CHOICE Act; all provisions. 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" and to be safe. 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". H.R. 3299 "Protecting Consumer's Access to Credit Act of 2017" ; all provisions. H.R. 4439 "Modernizing Credit Opportunities Act; all provisions.

Client expense: $190,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE