AMERICAN BANKERS ASSOCIATION'S CARD POLICY COUNCIL

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Lobbying Spend

—

Filings

Firms Hired

Active Period

2015–2026

Lobbying Spend by Year

Client-reported lobbying expenses on LDA filings

Year	Lobbying Spend	Filings	Firms
2026	—	6	2
2025	—	6	2
2024	—	4	1
2023	—	5	1
2022	—	4	1
2021	—	4	1
2020	—	4	1
2019	—	4	1
2018	—	4	1
2017	—	4	1
2016	—	4	1
2015	—	7	2

Hired Firms

Lobbying firms retained by this client; amounts are client-reported expenses when available

Firm Name	Reported Spend	Filings
HARBINGER STRATEGIES, LLC	—	48
GEOFFREY P. GRAY	—	8

Government Bodies Lobbied

Government entities explicitly identified as targets in LDA filings

Government Body	Filings
HOUSE OF REPRESENTATIVES	52
SENATE	52
Consumer Financial Protection Bureau (CFPB)	4
Office of Management & Budget (OMB)	4
Federal Deposit Insurance Corporation (FDIC)	1
Office of the Comptroller of the Currency (OCC)	1
Treasury, Dept of	1

Top Issues

Most frequently reported lobbying issues

Issue Code	Description	Reports
Banking	Banking	55
Financial Institutions/Investments/Securities	Financial Institutions/Investments/Securities	48
Budget/Appropriations	Budget/Appropriations	43
Telecommunications	Telecommunications	17

Bills Explicitly Cited (25)

Bill numbers found in source-reported LDA specific issue text; broad topic matches are excluded

H.R. 7035119th Congress

Credit Card Competition Act of 2026

2026 · third_quarter · Firm: HARBINGER STRATEGIES, LLC

Open original LDA filing ↗

Cited source text and reported amounts

The Credit Card Competition Act (H.R.7035/S.3623): issues related to market competition. The FY2027 National Defense Authorization Act (H.R.8800/S.4784): issues related to military consumer credit protections and access to credit.

Client expense: — · Firm income: $50,000

Matched citations: H.R.7035

H.R. 8495119th Congress

Financial Services and General Government Appropriations Act, 2027

2026 · third_quarter · Firm: HARBINGER STRATEGIES, LLC

Open original LDA filing ↗

Cited source text and reported amounts

The FY2027 Financial Services and General Government Appropriations Act (H.R.8495): General monitoring of issues related to banking and the payments industry.

Client expense: — · Firm income: $50,000

Matched citations: H.R.8495

H.R. 8800119th Congress

National Defense Authorization Act for Fiscal Year 2027

2026 · third_quarter · Firm: HARBINGER STRATEGIES, LLC

Open original LDA filing ↗

Cited source text and reported amounts

The Credit Card Competition Act (H.R.7035/S.3623): issues related to market competition. The FY2027 National Defense Authorization Act (H.R.8800/S.4784): issues related to military consumer credit protections and access to credit.

Client expense: — · Firm income: $50,000

Matched citations: H.R.8800

S. 2760118th Congress

Capping Credit Card Interest Rates Act

2026 · third_quarter · Firm: HARBINGER STRATEGIES, LLC

Open original LDA filing ↗

Cited source text and reported amounts

The Capping Credit Card Interest Rates Act (S.2760): Issues related to interest rates.

Client expense: — · Firm income: $50,000

Matched citations: S.2760

Show 21 more cited filings

S. 3623119th Congress

Credit Card Competition Act of 2026

2026 · third_quarter · Firm: HARBINGER STRATEGIES, LLC

Open original LDA filing ↗

Cited source text and reported amounts

The Credit Card Competition Act (H.R.7035/S.3623): issues related to market competition. The FY2027 National Defense Authorization Act (H.R.8800/S.4784): issues related to military consumer credit protections and access to credit.

Client expense: — · Firm income: $50,000

Matched citations: S.3623

S. 4784119th Congress

National Defense Authorization Act for Fiscal Year 2027

2026 · third_quarter · Firm: HARBINGER STRATEGIES, LLC

Open original LDA filing ↗

Cited source text and reported amounts

The Credit Card Competition Act (H.R.7035/S.3623): issues related to market competition. The FY2027 National Defense Authorization Act (H.R.8800/S.4784): issues related to military consumer credit protections and access to credit.

Client expense: — · Firm income: $50,000

Matched citations: S.4784

H.R. 7035119th Congress

Credit Card Competition Act of 2026

2026 · second_quarter · Firm: HARBINGER STRATEGIES, LLC

Open original LDA filing ↗

Cited source text and reported amounts

The Credit Card Competition Act (H.R.7035/S.3623): issues related to market competition. The FY2027 National Defense Authorization Act (H.R.8800/S.4784): issues related to military consumer credit protections and access to credit.

Client expense: — · Firm income: $50,000

Matched citations: H.R.7035

H.R. 8495119th Congress

Financial Services and General Government Appropriations Act, 2027

2026 · second_quarter · Firm: HARBINGER STRATEGIES, LLC

Open original LDA filing ↗

Cited source text and reported amounts

The FY2027 Financial Services and General Government Appropriations Act (H.R.8495): General monitoring of issues related to banking and the payments industry.

Client expense: — · Firm income: $50,000

Matched citations: H.R.8495

H.R. 8800119th Congress

National Defense Authorization Act for Fiscal Year 2027

2026 · second_quarter · Firm: HARBINGER STRATEGIES, LLC

Open original LDA filing ↗

Cited source text and reported amounts

The Credit Card Competition Act (H.R.7035/S.3623): issues related to market competition. The FY2027 National Defense Authorization Act (H.R.8800/S.4784): issues related to military consumer credit protections and access to credit.

Client expense: — · Firm income: $50,000

Matched citations: H.R.8800

S. 2760118th Congress

Capping Credit Card Interest Rates Act

2026 · second_quarter · Firm: HARBINGER STRATEGIES, LLC

Open original LDA filing ↗

Cited source text and reported amounts

The Capping Credit Card Interest Rates Act (S.2760): Issues related to interest rates.

Client expense: — · Firm income: $50,000

Matched citations: S.2760

S. 3623119th Congress

Credit Card Competition Act of 2026

2026 · second_quarter · Firm: HARBINGER STRATEGIES, LLC

Open original LDA filing ↗

Cited source text and reported amounts

The Credit Card Competition Act (H.R.7035/S.3623): issues related to market competition. The FY2027 National Defense Authorization Act (H.R.8800/S.4784): issues related to military consumer credit protections and access to credit.

Client expense: — · Firm income: $50,000

Matched citations: S.3623

S. 4784119th Congress

National Defense Authorization Act for Fiscal Year 2027

2026 · second_quarter · Firm: HARBINGER STRATEGIES, LLC

Open original LDA filing ↗

Cited source text and reported amounts

The Credit Card Competition Act (H.R.7035/S.3623): issues related to market competition. The FY2027 National Defense Authorization Act (H.R.8800/S.4784): issues related to military consumer credit protections and access to credit.

Client expense: — · Firm income: $50,000

Matched citations: S.4784

H.R. 7035119th Congress

Credit Card Competition Act of 2026

2026 · first_quarter · Firm: HARBINGER STRATEGIES, LLC

Open original LDA filing ↗

Cited source text and reported amounts

The Credit Card Competition Act (H.R.7035/S.3623): issues related to market competition. The FY2027 National Defense Authorization Act (No Bill Number): issues related to military consumer credit protections and access to credit.

Client expense: — · Firm income: $50,000

Matched citations: H.R.7035

S. 2760118th Congress

Capping Credit Card Interest Rates Act

2026 · first_quarter · Firm: HARBINGER STRATEGIES, LLC

Open original LDA filing ↗

Cited source text and reported amounts

The Capping Credit Card Interest Rates Act (S.2760): Issues related to interest rates.

Client expense: — · Firm income: $50,000

Matched citations: S.2760

S. 3623119th Congress

Credit Card Competition Act of 2026

2026 · first_quarter · Firm: HARBINGER STRATEGIES, LLC

Open original LDA filing ↗

Cited source text and reported amounts

The Credit Card Competition Act (H.R.7035/S.3623): issues related to market competition. The FY2027 National Defense Authorization Act (No Bill Number): issues related to military consumer credit protections and access to credit.

Client expense: — · Firm income: $50,000

Matched citations: S.3623

H.R. 3838111th Congress

Promoting Alternatives to Truancy and Incarceration by Encouraging New and Comprehensive Efforts (PATIENCE) Act of 2009

2025 · fourth_quarter · Firm: HARBINGER STRATEGIES, LLC

Open original LDA filing ↗

Cited source text and reported amounts

Issues related to the reform of the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 (Public Law 111-203). The FY2026 National Defense Authorization Act (H.R.3838/S.2296): issues related to military consumer credit protections and access to credit. The Credit Card Competition Act (No Bill Number): issues related to market competition.

Client expense: — · Firm income: $50,000

Matched citations: H.R.3838

S. 2296111th Congress

A bill to suspend temporarily the duty on Caprolactone-Polybutylene Glycol Copolymers.

2025 · fourth_quarter · Firm: HARBINGER STRATEGIES, LLC

Open original LDA filing ↗

Cited source text and reported amounts

Issues related to the reform of the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 (Public Law 111-203). The FY2026 National Defense Authorization Act (H.R.3838/S.2296): issues related to military consumer credit protections and access to credit. The Credit Card Competition Act (No Bill Number): issues related to market competition.

Client expense: — · Firm income: $50,000

Matched citations: S.2296

S. 2760118th Congress

Capping Credit Card Interest Rates Act

2025 · fourth_quarter · Firm: HARBINGER STRATEGIES, LLC

Open original LDA filing ↗

Cited source text and reported amounts

The Capping Credit Card Interest Rates Act (S.2760): Issues related to interest rates.

Client expense: — · Firm income: $50,000

Matched citations: S.2760

H.R. 3838111th Congress

Promoting Alternatives to Truancy and Incarceration by Encouraging New and Comprehensive Efforts (PATIENCE) Act of 2009

2025 · third_quarter · Firm: HARBINGER STRATEGIES, LLC

Open original LDA filing ↗

Cited source text and reported amounts

Issues related to the reform of the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 (Public Law 111-203). The FY2026 National Defense Authorization Act (H.R.3838/S.2296): issues related to military consumer credit protections and access to credit. The Credit Card Competition Act (No Bill Number): issues related to market competition.

Client expense: — · Firm income: $50,000

Matched citations: H.R.3838

S. 2296111th Congress

A bill to suspend temporarily the duty on Caprolactone-Polybutylene Glycol Copolymers.

2025 · third_quarter · Firm: HARBINGER STRATEGIES, LLC

Open original LDA filing ↗

Cited source text and reported amounts

Issues related to the reform of the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 (Public Law 111-203). The FY2026 National Defense Authorization Act (H.R.3838/S.2296): issues related to military consumer credit protections and access to credit. The Credit Card Competition Act (No Bill Number): issues related to market competition.

Client expense: — · Firm income: $50,000

Matched citations: S.2296

S. 2760118th Congress

Capping Credit Card Interest Rates Act

2025 · third_quarter · Firm: HARBINGER STRATEGIES, LLC

Open original LDA filing ↗

Cited source text and reported amounts

The Capping Credit Card Interest Rates Act (S.2760): Issues related to interest rates.

Client expense: — · Firm income: $50,000

Matched citations: S.2760

H.R. 3838111th Congress

Promoting Alternatives to Truancy and Incarceration by Encouraging New and Comprehensive Efforts (PATIENCE) Act of 2009

2025 · second_quarter · Firm: HARBINGER STRATEGIES, LLC

Open original LDA filing ↗

Cited source text and reported amounts

Issues related to the reform of the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 (Public Law 111-203). The FY2026 National Defense Authorization Act (H.R.3838/S.2296): issues related to military consumer credit protections and access to credit. The Credit Card Competition Act (No Bill Number): issues related to market competition.

Client expense: — · Firm income: $50,000

Matched citations: H.R.3838

S. 2296111th Congress

A bill to suspend temporarily the duty on Caprolactone-Polybutylene Glycol Copolymers.

2025 · second_quarter · Firm: HARBINGER STRATEGIES, LLC

Open original LDA filing ↗

Cited source text and reported amounts

Issues related to the reform of the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 (Public Law 111-203). The FY2026 National Defense Authorization Act (H.R.3838/S.2296): issues related to military consumer credit protections and access to credit. The Credit Card Competition Act (No Bill Number): issues related to market competition.

Client expense: — · Firm income: $50,000

Matched citations: S.2296

S. 2760118th Congress

Capping Credit Card Interest Rates Act

2025 · second_quarter · Firm: HARBINGER STRATEGIES, LLC

Open original LDA filing ↗

Cited source text and reported amounts