mr EDMUND MIERZWINSKI

27 Oct 22 Phone briefing to National Economic Council staff on junk fees 1Nov 22 Joined consumer groups in comment to FAA on Minimum Seat Size Dimensions for Passenger Safety, FAA Docket 2022-1001 16 Nov 22 Co-chair coalition meeting with FTC officials from Bureaus of Consumer Protection and Competition and Office of International Affairs to discuss pending actions 21 Nov 22 Filed PIRG comments to FTC in Advanced Notice of Proposed Rulemaking on commercial surveillance and data security 16 CFR chapter undefined, 87 FR 51273 29 Nov 22 Joined consumer group letter in support of Corporate Crime Database Act of 2022 (S5141-Durbin), HR 9362 (Scanlon) 7-8 Dec 22 Informal meetings w/ senior CPSC officials including chair Hoehn-Saric at Consumer Federation of America events.

16 Nov 22 Wearing TransAtlantic Consumer Dialogue (TACD) hat, chaired meeting at State Department with Office of European Union and Regional Affairs to discuss various matters including the US/EU Trade and Technology Council.

Lobbied in support of the Freedom to Repair Act - House Bill 6566, Agricultural Right to Repair Act - Senate Bill 3549, Fair Repair Act - House Bill 4006, Senate Bill 3830 and in opposition to anti-repair riders to MDUFA and FDASLA. 12 Sept Filed joint comments of leading consumer groups in Motor Vehicle Dealers Trade Regulation Notice of Proposed Rulemaking- FTC-2022- 0046-0001, Federal Register No. 2022-14214 1 Sept Joined other PIRG staff in phone meeting w/ CPSC Chair on shared priorities 20 July Joined consumer and privacy and children's groups in comment Ito the FTC on the Matter of Protecting Kids from Stealth Advertising in Digital Media, Comment # FTC-2022-0054-0013 1 July Joined letter to House and Senate Transportation Committee leaders on Consumer and Passenger Rights Organizations Priorities for the 2023 FAA Reauthorization Legislation.

9 June In my U.S. PIRG capacity as U.S. co-chair of the TransAtlantic Consumer Dialogue I co-signed a letter w/ the EU co-chair) from TACD.org to Leader Schumer and Speaker Pelosi concerning a provision buried in the Trade Title of the United States Innovation and Competition Act (USICA) S1260/HR4521 that could be used by large U.S. tech corporations to undermine the European Unions superior regulatory framework to protect consumers online and hold these firms accountable. While USICA is ostensibly a bill focused on competition with China, Section 71011 would extend a program known as Special 301 to U.S. large technology firms and apply to the entire world, including Europe.

Lobbied on H.R. 6566, H.R. 7253, H.R. 4006, S. 3830, S. 3549, CPSC regarding The Dangers of Gas Stoves Campaign. 10 May Joined group letter to Senate Commerce committee members in support of S. 4145, the Consumer Protection Remedies Act of 2022. This bill would restore the Federal Trade Commissions (FTC) Section 13(b) authority to stop misconduct in the marketplace, and critically, to provide timely refunds and equitable relief to victims of consumer fraud and deception. 29 April Joined group petition to FTC Requesting Rulemaking Concerning the Finality of a Car Purchase (Spot Delivery and Yo-Yo Financing). 26 April Joined group letter to Acting Assistant Secretary Ali Khawar of Labor Re: Compliance Assistance Release No. 2022-01 401(k) Plan Investments in Cryptocurrencies.

Lobbied on implementation of the No Surprise Billing Act and reducing antibiotics in food and agriculture. Support medical device user act/right to repair. 2 Feb 22 - Join zoom meeting between senior FTC officials and US/European Union consumer groups to discuss privacy, digital rights and other matters. 22 Mar 22 - Join group letter led by Fairplay and Center for Digital Democracy to Congressional leaders Pelosi, McCarthy, Schumer and McConnell urging their support of legislation to implement the President's SOTU remarks on protecting children's privacy.

10 Mar 22- In capacity as U.S. co-chair of TACD.org, co-sign TACD letter to President Biden and European Commission President Ursula von der Leyen urging their administrations to support a waiver of the WTO TRIPs agreement for production of essential vaccine and other pandemic health needs. Had several phone, zoom and email communications w/ USTR staff regarding the US/EU Trade and Technology Council and similar discussions between US and UK.

21 December-File comment to CFPB in Big Tech Payments Inquiry CFPB Docket No.-2021-0017. 15 December - Attend AFR group zoom meeting w/ CFPB director Rohit Chopra. In general meetings/communications w/ Congress members, urge strong support for CFPB and opposition to weakening consumer protection laws.

In communications w/ House and Senate, express continued support for HR2096, The Sackler Act, to prevent family from using bankruptcy of Purdue Pharma to protect its opioid profits from lawsuits by individuals, states or tribes. 21 October - Join group letter to House Judiciary members to support H.R. 4777, the Nondebtor Release Prohibition Act of 2021, which would prevent Johnson and Johnson efforts to avoid liability for talc contamination by corporate reorganization and also prevent Sackler efforts as would HR2096, The Sackler Act.

30 June 2021 (Signed by President and became Public Law No: 117-24 on this date. Supported S.J.Res.15 in House and Senate to legislatively repeal by Congressional Review Act an OCC rule enabling predatory lenders to rent bank charters and evade state usury ceilings. 12 May 2021 Supported H.R. 2570, the Climate Risk Disclosure Act (Casten) 16 April 2021 Signed debt collection reform group letter on H.R. 2547, the Comprehensive Debt Collection Improvement Act (Waters), which includes: HR__, the Small Business Fairness Lending Act (Velazquez), HR 1491, the Fair Debt Collection Practices for Servicemembers Act (Dean), HR 2498, the Private Loan Disability Discharge Act (Dean), HR 2537, the Consumer Protection for Medical Debt Collections Act (Tlaib), HR 1657, the Ending Debt Collection Harassment Act (Pressley), HR 2572, the Stop Debt Collection Abuse Act (Cleaver), HR __, the Debt Collection Practices Harmonization Act (Meeks), HR 2458, the Non-Judicial Foreclosure Debt Collection Clarification Act (Auchincloss). 6 May 2021 Joined group letter to CFPB Acting Director Requesting that CFPB Prohibit Credit Reporting of Rent Arrears Incurred During COVID-19 Pandemic Generally supported Fair Credit Reporting Act and Fair Debt Collection Practices Act improvements in phone calls and meetings with hill and agency staff, including H.R. 4120, the Comprehensive Consumer Credit Reporting Reform Act.

Lobbied on appropriations for COVID (specifically testing and contact tracing). Joined group letter to Congressional Appropriations Committee and other leaders urging that all poison pill anti-consumer/anti-worker/anti-environmental riders, legacy and otherwise, be removed from any appropriations package going forward, whether continuing resolution or otherwise.

Joined leading groups in letter to urge House and Senate leaders to name a chair to the Congressional Oversight Commission, as provided in Title IV of the Coronavirus Aid, Relief, and Economic Security Act (CARES Act) of 2020. Joined group letter to House leaders urging opposition to HR 7059, the Coronavirus Provider Protection Act, which would grant sweeping immunity from consumer, patient or worker lawsuits for Covid-19 related injuries to hospitals, nursing homes and other health care providers. Joined consumer, labor, civil rights letter to House and Senate leaders urging opposition to S. 4317, the SAFE TO WORK Act, which would grant sweeping immunity from consumer, patient or worker lawsuits for Covid-19 related injuries to nearly every business. Joined group letter from leading civil rights, digital rights, racial justice organizations and consumer groups to urge to all FTC Commissioners to take steps to support further study of data and discrimination issues in any and all forthcoming FTC Act Section 6(b) investigations undertaken by the FTC. Held numerous meetings with House and Senate staff to discuss concepts for draft federal privacy and data protection laws, with emphasis on preserving a private right of action and preventing the preemption of state laws. Participated in House and Senate group meetings opposing corporate immunity from worker and consumer lawsuits.

On behalf of the TransAtlantic Consumer Dialogue, which Edmund Mierzwinski co-chairs, he sent a letter co-signed my European co-chair Monique Goyen of BEUC, to Commerce Secretary Wilbur Ross and his European Union counterparts urging no further trade negotiations on personal data transfer agreements under the so-called "Privacy Shield" agreement until US and EU consumers have greater privacy and digital rights protections.

Joined leading consumer, labor, civil rights and other groups in request for extension of Comment Period in Docket ZRIN 1210-ZA29 [Application No. D-12011] Improving Investment Advice for Workers & Retirees.

Support curbing the use of antibiotics on citrus plants. support looking and working for a 21st century transportation plan. Support consumer protections from price gouging related to COVID-19. 27 March 2020 Sent a USPIRG comment and joined an NCLC.org comment to FTC opposing no-penalty settlement for collusion by rent-to-own stores, "In the Matter of Rent-to-Own Store Swaps," Commission File No. 191-0074. 24 Jan 2020 In comments responding to Request for Information urged House Energy and Commerce Committee leaders Pallone, Walden, Schakowsky and Rodgers to strengthen weak draft federal privacy bill that has yet to be introduced to ensure that stronger state laws are protected, consumers have a strong private right of action and other provisions are strongly pro-privacy. 20 March 2020 In group letter, urged Speaker Pelosi and Leader McConnell and all members of Congress to ensure that if personal data is used to limit the effects of pandemic, to ensure that guardrails are appended to protect privacy, limit uses to response measures but not allow any commercial or marketing

Support HR5050(JGarcia)/S2833 (Merkley), Veterans and Consumers Fair Credit Act to extend Military Lending Act's 36% APR rate cap to all consumers. Urge FDIC, OCC, Federal Reserve not to expand opportunities for predatory lenders to use "rent-a-bank" schemes to evade state laws. Oppose efforts in Congress to weaken the independent funding or single-director structure of the Consumer Financial Protection Bureau (including in FSGG Appropriations-HR3351 and related House or Senate bills and so-called mini-bus packages). Support Data Breach Prevention and Compensation Act (S1336/HR2545) to hold large credit reporting agencies (CRAs)-including Equifax-accountable for data breaches involving consumer data. Support (draft House) Consumer Credit Reporting Reform Act (Waters). Support other credit reporting reforms including HR 3614, Restricting Use of Credit Checks for Employment Decisions Act; HR 3618, Free Credit Scores for Consumers Act;HR 3621, Student Borrower Credit Improvement Act; HR 3622, Restoring Unfairly Impaired Credit and Protecting Consumers Act; HR 3642, Improving Credit Reporting for All Consumers Act; and HR 3629, Clarity in Credit Score Formation Act. Urge Consumer Financial Protection Bureau to prevent fraud in Property Assessed Clean Energy (PACE) loans. Urge Consumer Financial Protection Bureau not to reverse/weaken the Payday Lending and Auto Title Loan Regulation (CFPB-2019-0006). Urge CFPB not to weaken debt collection rights (Docket No. CFPB-2019-0022 RIN 3170-AA41). Urge CFPB not to weaken the 2009 Overdraft Rule. Support Overdraft Protection Act of 2019 (HR 4254). Support Better Oversight of Secondary Sales and Accountability in Concert Ticketing Act of 2019 (HR3248 and S1850). Urge CFPB to fully supervise the Military Lending Act. Urge CFPB not to weaken the Public Consumer Complaint Database. Urge CFPB to use full enforcement authorities and to hold more wrongdoers accountable with larger civil penalties and more consumer restitution orders. Oppose numerous not-yet-introduced draft proposals in Senate Commerce and House Energy and Commerce Committees to establish federal privacy or data breach/data security laws that would preempt stronger state privacy laws and prevent consumers from enforcing private rights of action when harmed. Urge members of House and Senate to back federal privacy proposals that protect stronger state laws, establish a Data Protection Authority, grant consumer private rights of action against privacy harms and protect civil rights. Urge Federal Trade Commission to enforce the Facebook consent order and impose penalties as well as hold executives accountable. Urge the FTC to impose more penalties and restitution generally in its orders against wrongdoers.

Oppose efforts in Congress to weaken the independent funding or single-director structure of the Consumer Financial Protection Bureau (including in FSGG Appropriations-HR3351 and related House or Senate bills and so-called mini-bus packages). Support efforts of Clean Budget coalition to oppose all "poison-pill" riders on all House and Senate Appropriations bills.

Urged both House and Senate in consideration of any and all Appropriations packages, including "Senate FY 2019 minibus II made up of the Financial Services & General Government, Interior, Agriculture, and Transportation, Housing & Urban Development appropriations bills" to fully fund the operations of agencies that enforce health, safety and financial protections and to keep all appropriations packages free of poison pill policy riders that should not be part of any federal budget.

Filed comment to Commerce Department's National Telecommunications and Information Agency's (NTIA) Docket RIN-0660-XC043 on a national privacy framework. Filed letter to FTC Chair and commissioners regarding its comment to NTIA. Joined petition to FTC urging investigation of YouTube Children's Online Privacy Protection Act violations.

Urged Senate to only confirm a qualified, consumer-law-experienced permanent director for the CFPB. Urged CFPB to maintain a robust, public consumer complaint database in comments responding to "Request for Information Regarding the Bureau's Consumer Complaint and Consumer Inquiry Handling Processes (CFPB 2018-0014)". Urged CFPB not to abandon supervision, enforcement and rulemaking tools in comments suggesting improvements to its financial literacy programs in "Request for Information Regarding Bureau Financial Education Programs (CFPB-2018-0015)". Commented in favor of continued strong use of guidances as a tool to hold industry accountable in "Request for Information Regarding Bureau Guidance and Implementation Support (CFPB-2018-0013). Supported S2362 (Reed), the "Control Your Personal Credit Information Act of 2018" to give consumers more control over the use of their credit reports. Opposed HR6743, the "Consumer Information Notification Requirement Act" (Luetkemeyer) to create a federal data security/data breach law that preempts stronger state breach and data security laws and state enforcement. Opposed provisions of S3246 (Hatch)/HR5444 (Jenkins), the Taxpayer First Act, that would continue and expand the so-called Free File program, that allows tax preparation services continued favorable use of the IRS website as a platform to pitch their other products. Oppose NCUA proposal (RIN 3133-AE84) to expand the sale of Payday Alternative Loans by credit unions. Opposed HR2570 (Posey), the so-called Mortgage Fairness Act, which would make it easier for lenders to steer homeowners into high-cost mortgages. Urged both House and Senate in consider of any and all Appropriations packages, including "Senate FY 2019 minibus II made up of the Financial Services & General Government, Interior, Agriculture, and Transportation, Housing & Urban Development appropriations bills" to fully fund the operations of agencies that enforce health, safety and financial protections and to keep all appropriations packages free of poison pill policy riders that should not be part of any federal budget.

Support enactment of a clean federal budget. Oppose all poison pill budget policy riders in any appropriations bill. Support adequate funding for all federal agencies.

Urge CPSC to to strengthen 2018 Operating Plan, especially to prevent furniture tipover and portable generator hazards. Urge FCC to strengthen consumer protections against robo-calls. Urge Dept. of Transportation to support continued airline passenger safety and consumer protection regulations. Urge EPA to support continued strong fuel economy (MPG) and emissions standards. Urge FTC to enforce strong privacy protections, including against Facebook. CFPB and general data privacy and privacy issues. Keeping appropriations riders out of appropriations bills from subcommittee on. Advocacy for data security and privacy bills that don't preempt states, including support for S.2289, S.1816, and S.2362

Supported full funding of all consumer safety agencies in Congress. Filed comments to CPSC in support of new toy safety standard, furniture tipover, magnet safety and other matters. Sent in following comments: Comment to NHTSA on airbags, other recalls. Comment to Department of Transportation on its proposed deregulation of consumer airline safety rules. Comment to FCC on robocalls. Supported Congressional Review Act action (SJR52 (Markey)/HJR129/HJR131 (Doyle) to overturn current FCC's weakening of Net Neutrality rules through its Restoring Internet Freedom vote. Supported S878, (Markey) to restore broadband privacy. Join petitions/complaints to FTC (1) alleging Google's violation of the Children's Online Privacy Protection Act (COPPA) and (2) alleging Facebook's violation of a 2011 privacy consent decree. Join petitions to FTC claiming COPPA violations by several children's Internet of Things-connected toys and apps-- Cayla Doll/IQ Robot and several smart watches

Supported trade rules and relationships, especially TransAtlantic, that protect consumer rights and ensure strongest food safety, privacy, product safety and environmental protections. Opposed any provisions granting corporations/investors elevated rights over consumers such as Investor/State Dispute Resolution systems.

All legislation, executive orders or agency actions pertaining to changes to the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 or any other authorities granted to US regulators to protect taxpayers, small investors, depositors or consumers, to include the Financial Choice Act (HR10). Any legislation/agency actions pertaining to Department of Labor fiduciary standard for retirement investors. Oppose delay or changes to rule. Oppose all appropriations riders to subject independent agencies to restrictive, duplicative regulatory cost-benefit analysis and OMB/OIRA oversight. HR5 (Regulatory Accountability Act) and similar regulatory/Administrative Procedures Act/benefit-cost analysis bills and riders.

Support full funding for all appropriated agencies. Oppose all legislation, executive orders or agency actions concerning weakening of existing rules such as broadband privacy and net neutrality rules, whether by administration or Congressional action. Oppose all appropriations riders to subject independent agencies to restrictive, duplicative regulatory cost-benefit analysis and OMB/OIRA oversight to include HR5 (Regulatory Accountability Act) and similar regulatory/Administrative Procedures Act/benefit-cost analysis bills and riders. Support stronger consumer privacy (S 964/HR 2356 MY DATA Act of 2017); S878 (To establish privacy protections); oppose bills to weaken consumer privacy, HR 2520 (BROWSER Act of 2017); Oppose HR2396 (Privacy Notification Technical Clarification Act). Urge CPSC to enact table saw protection rule. Support strong CPSC rules on small high-powered magnets. Oppose petitions to FCC urging weakening of Telephone Consumer Protection Act. Urge CPSC to recall Internet-connected products with security flaws that place consumers at risk. Urge FTC to investigate Internet-connected toys and watches that place children at security risk and may violate Children's Online Privacy Protection Act. Lobbied for free credit freeze legislation in-person and over the phone in support of the FREE Act.

Support full funding for all appropriated agencies. Oppose all legislation, executive orders or agency actions concerning weakening of existing rules such as broadband privacy and net neutrality rules, whether by administration or Congressional action. Oppose all appropriations riders to subject independent agencies to restrictive, duplicative regulatory cost-benefit analysis and OMB/OIRA oversight to include HR5 (Regulatory Accountability Act) and similar regulatory/Administrative Procedures Act/benefit-cost analysis bills and riders. Support stronger consumer privacy (S 964/HR 2356 MY DATA Act of 2017); S878 (To establish privacy protections); oppose bills to weaken consumer privacy, HR 2520 (BROWSER Act of 2017); Oppose HR2396 (Privacy Notification Technical Clarification Act). Urge CPSC to enact table saw protection rule. Support strong CPSC rules on small high-powered magnets. Oppose petitions to FCC urging weakening of Telephone Consumer Protection Act. Urge CPSC to recall Internet-connected products with security flaws that place consumers at risk. Urge FTC to investigate Internet-connected toys and watches that place children at security risk and may violate Children's Online Privacy Protection Act. Lobbied for free credit freeze legislation in-person and over the phone in support of the FREE Act.

Lobbied on the Equifax breach and how we can establish a free credit freeze. Also provided information and questions to Congressional offices in preparation for their hearings. Supported full funding for all appropriated agencies. All legislation, executive orders or agency actions concerning weakening of existing rules such as broadband privacy and net neutrality rules, whether by new administration or Congressional action. Oppose all appropriations riders to subject independent agencies to restrictive, duplicative regulatory cost-benefit analysis and OMB/OIRA oversight to include HR5 (Regulatory Accountability Act) and similar regulatory/Administrative Procedures Act/benefit-cost analysis bills and riders. Support stronger consumer privacy (S 964/HR 2356 MY DATA Act of 2017); S878 (To establish privacy protections); oppose bills to weaken consumer privacy, HR 2520 (BROWSER Act of 2017); Oppose HR2396 (Privacy Notification Technical Clarification Act). Urge CPSC to enact table saw protection rule.

TransAtlantic Trade and Investment Partnership; TransPacific Partnership.

All legislation, executive orders or agency actions pertaining to changes to the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 or any other authorities granted to US regulators to protect taxpayers, small investors, depositors or consumers, to include the Financial Choice Act (HR10). Any legislation/actions pertaining to Department of Labor fiduciary standard for retirement investors. Oppose delay or changes to rule. Oppose all appropriations riders to subject independent agencies to restrictive, duplicative regulatory cost-benefit analysis and OMB/OIRA oversight. HR5 (Regulatory Accountability Act) and similar regulatory/Administrative Procedures Act/benefit-cost analysis bills and riders.

Require corporations to disclose their political contributions to the SEC; Amendments to appropriation bills regarding SEC political disclosure requirements; All legislation pertaining to changes to the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 or any other authorities granted to US regulators to protect taxpayers, small investors, depositors or consumers, to include the Financial Choice Act currently available only in draft form. Any legislation/actions pertaining to Department of Labor fiduciary standard for retirement investors. Oppose all appropriations riders to subject independent agencies to restrictive, duplicative regulatory cost-benefit analysis and OMB/OIRA oversight.

Legislation; HR 2896, Taking Account of Institutions with Low Operation Risk Act of 2015; H.R. 766, the Financial Institution Customer Protection Act of 2015; All legislation concerning budget views or appropriations, including concerning riders on independent funding, structure and authority of CFPB (Financial Services and General Government Appropriations (HR5485/S2663); riders on transportation safety and airline fee disclosure. All legislation concerning amendments to DoddFrank Wall Street Reform and Consumer Protection Act, including authority of agencies to enforce laws to protect consumers, taxpayers. H.R.4781 FDIC Accountability Act of 2016; HR 1265, Bureau Advisory Commission Transparency Act; HR 1263, Consumer Financial Protection Safety and Soundness Improvement Act of 2015; HR 1262, Consumer Right to Financial Privacy Act of 2015; HR 1264, CFPB Pay Fairness Act of 2015; HR 1261, Bureau of Consumer Financial Protection Accountability Act of 2015; HR 1413/S477, Firearms Manufacturers and Dealers Protection Act of 2015 (FDIC Operation Choke Point); H.R. 766 and S2790, the Financial Institution Customer Protection Act of 2015. HR 5510, to weaken FTC; HR 4768 Separation of Powers Restoration Act; other riders and amendments to weaken independent agency authority to enact regulations. HR4172 Full file credit reporting; HR5282 Fair Credit Reporting Act amendments. Department of Education Gainful Employment rule. including HR4768, the Separation of Powers Restoration Act; HR4612 and sections of HR4361 concerning the Midnight Rules Relief Act; S2355, the Credit Access and Inclusion Act; HR5424, the Investment Advisors Modernization Act; HR5226, the Regulatory Integrity Act; HR3468, The Review Act; HR5063, the Stop Settlement Funds Act and any similar riders proposed to Appropriations Bills such as HR5485/SB3067, Financial Services and General Government Appropriations Acts for 2017. File comments to CFPB on Docket 20160020 on forced arbitration; file comment to CFPB on announcement of Debt Collection rulemaking SBREFA process; meet with CFPB on consumer complaint database, payday lending and other matters. File comment to financial and bank regulators on status of completion of rulemaking on DoddFrank Section 956, Executive Compensation; All legislation pertaining to the Consumer Financial Protection Bureau, including to restrict its authorities, change its structure to a commission or modify its independent funding and all proposals to implement the Congressional Review Act to rescind CFPB rules, including the prepaid card rule of October 2016; comment on all rules proposed by the CFPB, including its high-cost (payday) and arbitration draft rules. Comment on all Executive Orders and Requests for Information pertaining to changing or limiting the structure of US Financial Regulation system. All agency proposed rules, requests for Information or guidances concerning "fintech" firms and their chartering. Oppose all appropriations riders to subject independent agencies to restrictive, duplicative regulatory cost-benefit analysis and OMB/OIRA oversight. Bills include HR103/S370, S365, S387, S105, S626, S552/HR1414, HR50, HR1116/S366, HR1018 and SJR19/HJR73/HJR62.

Trans Pacific Partnership trade agreement ; Transatlantic Trade and Investment Partnership trade agreement

All legislation, including budget views, appropriations bills and riders, concerning authority of CFTC or SEC to enforce or write regulations under the Dodd-Frank Wall Street Reform and Consumer Protection Act, including HR4768, the Separation of Powers Restoration Act; HR4612 and sections of HR4361 concerning the Midnight Rules Relief Act; S2355, the Credit Access and Inclusion Act; HR5424, the Investment Advisors Modernization Act; HR5226, the Regulatory Integrity Act; HR3468, The Review Act; HR5063, the Stop Settlement Funds Act and any similar riders proposed to Appropriations Bills such as HR5485/SB3067, Financial Services and General Government Appropriations Acts for 2017. File comments to CFPB on Docket 2016-0020 on forced arbitration.

CFPB (The Bureau of Consumer Financial Protection is an arm of Federal Reserve System) all its regulations, activities and practices including payday lending, forced arbitration, credit reporting, debt collection, consumer complaint handling, enforcement, consumer education; Legislation; HR 2896, Taking Account of Institutions with Low Operation Risk Act of 2015; H.R. 766, the Financial Institution Customer Protection Act of 2015; All legislation concerning budget views or appropriations, including concerning riders on independent funding, structure and authority of CFPB (Financial Services and General Government Appropriations (HR5485/S2663); riders on transportation safety and airline fee disclosure. All legislation concerning amendments to Dodd-Frank Wall Street Reform and Consumer Protection Act, including authority of agencies to enforce laws to protect consumers, taxpayers. H.R.4781 - FDIC Accountability Act of 2016; HR 1265, Bureau Advisory Commission Transparency Act; HR 1263, Consumer Financial Protection Safety and Soundness Improvement Act of 2015; HR 1262, Consumer Right to Financial Privacy Act of 2015; HR 1264, CFPB Pay Fairness Act of 2015; HR 1261, Bureau of Consumer Financial Protection Accountability Act of 2015; HR 1413/S477, Firearms Manufacturers and Dealers Protection Act of 2015 (FDIC Operation Choke Point); H.R. 766 and S2790, the Financial Institution Customer Protection Act of 2015. HR 5510, to weaken FTC; HR 4768 Separation of Powers Restoration Act; other riders and amendments to weaken independent agency authority to enact regulations. HR4172 Full file credit reporting; HR5282 Fair Credit Reporting Act amendments. Department of Education Gainful Employment rule. including HR4768, the Separation of Powers Restoration Act; HR4612 and sections of HR4361 concerning the Midnight Rules Relief Act; S2355, the Credit Access and Inclusion Act; HR5424, the Investment Advisors Modernization Act; HR5226, the Regulatory Integrity Act; HR3468, The Review Act; HR5063, the Stop Settlement Funds Act and any similar riders proposed to Appropriations Bills such as HR5485/SB3067, Financial Services and General Government Appropriations Acts for 2017. File comments to CFPB on Docket 2016-0020 on forced arbitration; file comment to CFPB on announcement of Debt Collection rulemaking SBREFA process; meet with CFPB on consumer complaint database, payday lending and other matters. File comment to financial and bank regulators on status of completion of rulemaking on Dodd-Frank Section 956, Executive Compensation.

Amendments that propose policy or authorize programs (riders) on appropriation bills.

All legislation, including budget views, appropriations bills and riders, concerning authority of CFTC or SEC to enforce or write regulations under the Dodd-Frank Wall Street Reform and Consumer Protection Act, including HR4768, the Separation of Powers Restoration Act; HR4612 and sections of HR4361 concerning the Midnight Rules Relief Act; S2355, the Credit Access and Inclusion Act; HR5424, the Investment Advisors Modernization Act; HR5226, the Regulatory Integrity Act; HR3468, The Review Act; HR5063, the Stop Settlement Funds Act and any similar riders proposed to Appropriations Bills such as HR5485/SB3067, Financial Services and General Government Appropriations Acts for 2017. File comments to CFPB on Docket 2016-0020 on forced arbitration; file comment to CFPB on announcement of Debt Collection rulemaking SBREFA process; meet with CFPB on consumer complaint database, payday lending and other matters. File comment to financial and bank regulators on status of completion of rulemaking on Dodd-Frank Section 956, Executive Compensation.

CFPB (The Bureau of Consumer Financial Protection is an arm of Federal Reserve System) all its regulations, activities and practices including payday lending, forced arbitration, credit reporting, debt collection, consumer complaint handling, enforcement, consumer education; Legislation; H.R. 650, the Preserving Access to Manufactured Housing Act; HR 2896, Taking Account of Institutions with Low Operation Risk Act of 2015; H.R. 766, the Financial Institution Customer Protection Act of 2015; All legislation concerning budget views or appropriations, including concerning riders on independent funding, structure and authority of CFPB (Financial Services and General Government Appropriations (HR5485/S2663); riders on transportation safety and airline fee disclosure. All legislation concerning amendments to Dodd-Frank Wall Street Reform and Consumer Protection Act, including authority of agencies to enforce laws to protect consumers, taxpayers. Department of Education rules on student loan borrowers; H.R.4781 - FDIC Accountability Act of 2016; HR 1265, Bureau Advisory Commission Transparency Act; HR 1263, Consumer Financial Protection Safety and Soundness Improvement Act of 2015; HR 1262, Consumer Right to Financial Privacy Act of 2015; HR 1264, CFPB Pay Fairness Act of 2015; HR 1261, Bureau of Consumer Financial Protection Accountability Act of 2015; HR 1413/S477, Firearms Manufacturers and Dealers Protection Act of 2015 (FDIC Operation Choke Point); H.R. 766 and S2790, the Financial Institution Customer Protection Act of 2015. HR 5510, to weaken FTC; HR 4768 Separation of Powers Restoration Act; other riders and amendments to weaken independent agency authority to enact regulations. HR4172 Full file credit reporting; HR5282 Fair Credit Reporting Act amendments. Department of Education Gainful Employment rule. including HR4768, the Separation of Powers Restoration Act; HR4612 and sections of HR4361 concerning the Midnight Rules Relief Act; S2355, the Credit Access and Inclusion Act; HR5424, the Investment Advisors Modernization Act; HR5226, the Regulatory Integrity Act; HR3468, The Review Act; HR5063, the Stop Settlement Funds Act and any similar riders proposed to Appropriations Bills such as HR5485/SB3067, Financial Services and General Government Appropriations Acts for 2017. File comments to CFPB on Docket 2016-0020 on forced arbitration; file comment to CFPB on announcement of Debt Collection rulemaking SBREFA process; meet with CFPB on consumer complaint database, payday lending and other matters. File comment to financial and bank regulators on status of completion of rulemaking on Dodd-Frank Section 956, Executive Compensation.

Trans Pacific Partnership; Transatlantic Trade and Investment Partnership

CFPB (arm of Federal Reserve System) all regulations and practices including payday lending, arbitration, credit reporting, debt collection, consumer complaint handling, enforcement, consumer education; H.R. 650, the Preserving Access to Manufactured Housing Act; HR 2896, Taking Account of Institutions with Low Operation Risk Act of 2015; H.R. 766, the Financial Institution Customer Protection Act of 2015; All legislation regarding budget views and appropriations for the CFPB; appropriation amendments on transportation safety and fee disclosure; All legislation concerning amendments to Dodd-Frank Wall Street Reform and Consumer Protection Act, including authority of agencies to enforce laws to protect consumers, taxpayers; Department of Education rules on student loan borrowers; H.R.4781 - FDIC Accountability Act of 2016; HR 1265, Bureau Advisory Commission Transparency Act; HR 1263, Consumer Financial Protection Safety and Soundness Improvement Act of 2015; HR 1262, Consumer Right to Financial Privacy Act of 2015; HR 1264, CFPB Pay Fairness Act of 2015; HR 1261, Bureau of Consumer Financial Protection Accountability Act of 2015; HR 1413/S477, Firearms Manufacturers and Dealers Protection Act of 2015 (FDIC Operation Choke Point); H.R. 766, the Financial Institution Customer Protection Act of 2015

Amendments that propose policy or authorize programs (riders) on appropriation bills.

Require corporations to disclose their political contributions to the SEC; HR 2029

Oppose fast track trade authority (so-called trade promotion authority). Oppose efforts in trade treaties and legislation, including activities under the Transatlantic Economic Council (TEC) or through any Transatlantic Free Trade Area (TAFTA) or Transatlantic Trade and Investment Partnership (TTIP) or Trans Pacific Partnership (TPP) or similar trade agreement that would scuttle strong consumer health, safety, privacy, and pocketbook protections in favor of weaker rules or grant corporations unacceptable powers such as ISDS (Investor-State Dispute Resolution powers). Oppose efforts to preempt or harmonize local or state or federal laws with weaker laws or throough trade agreements. Support strongest possible transparency in trade negotiations including public availability of real-time negotiating text. Urge USTR to disclose any surveillance by NSA or others of organizations working on trade policy.

(1) Oppose any efforts to weaken the Commodities Futures Trading Commission's authority over derivatives or futures or to reduce its funding. (2) Urged, in group letter, that House not repeal Country of Origin Labeling (Cool) for safe food Oppose HR 2393 (Caraway)).

(1) Urge CFPB to enact strong prepaid card rules, strengthen complaint database, regulate forced arbitration, regulate payday and other high-cost loans and take other steps to protect consumers. (2) Support independent funding, authority and structure of CFPB. Oppose all bills to weaken CFPB including HR 1262, Consumer Right to Financial Privacy Act of 2015; HR 1263, Consumer Financial Protection Safety and Soundness Improvement Act; HR 1264, CFPB Pay Fairness Act of 2015; HR 1265, the Bureau Advisory Commission Transparency Act; HR 1266, Financial Product Safety Commission Act of 2015; and any similar bills or budget or Appropriations riders to weaken the CFPB. (3) Oppose all bills to weaken Wall Street reform including HR 414, the Burdensome Data Collection Relief Act; and any similar bills or budgetary line items or appropriations riders designed tow eaken, consumer, investor or taxpayer protections. (4) Support legislation to rein in payday lending and similar predatory loan practices. Oppose any bills to provide special status or create non-bank federal charters for payday or similar lenders. Urge CFPB, and other regulators to prevent banks from offering similar predatory payday advance products. (5) Support legislation to hold credit bureaus accountable including proposals to provide free credit scores. (6) Work to protect consumer privacy notices from repeal. (6) Oppose efforts to add layers of unnecessary cost-benefit analysis or other so-called accountability constraints onto any federal financial agency or independent agency, including HR 185, the Regulatory Accountability Act; H.R. 527, the Small Business Regulatory Flexibility Improvements Act; H.R. 50, the Unfunded Mandates Information and Transparency Act;the REINS Act, HR 427, which harms consumer health, safety and pocketbooks and any similar bills or budget riders, including bills and riders to impose additional (often redundant) OMB cost-benefit rules on independent agencies including the CFPB and others. (7) Support full funding and authority for all other financial regulators, including CFTC and SEC. (8) Urge CFPB and other regulators to enact strongest possible rules to protect homeowners and consumers from financial, foreclosure, mortgage servicing and other weakenings. (9) Oppose efforts in Congress to weaken any other consumer laws (10) Support efforts to eliminate forced arbitration in consumer and investor contracts, such as support for Arbitration Fairness Act and the Investor Choice Act. (11) Support efforts to make large, interconnected financial institutions more accountable to taxpayers, depositors and investors, including support for Volcker rule, other too-big-to-fail and capital reforms, such as the 21st Century Glass-Steagall Act. (12) Oppose efforts (testimony/letters/lobbying) to impose uniform federal data breach notice legislation or any privacy bill of rights or other purportered cybersecurity legislation that would preempt state data security, privacy, or consumer protection rights and authorities. (13) Support efforts by Department of Labor to enact strong fidicuary standard for retirement advisors and, similarly, by SEC for other investment advisors. (14) Support efforts by Dept of Education and CFPB to protect students from prepaid card, loan disbursement and other campus card fees and other account fees derived from unfair financial relationships between colleges and banks or other financial firms. (15) Urged FDIC in group letter to express concern about Sallie Mae Bank's CRA performance. (16) Urged House in group lette to reject 2016 Labor-HHS Appropriations bill which includes rider restricting DoLabor completion of retirement savings rule and in separate letter urged House to oppose HR 1090 (Wagner) to eliminate DoLabor authority to issue the retirement rule. (17) Urged House to oppose FSGG Approps. bill for numerous unfair riders, specifically to eliminate CFPB independent funding. (18) In group letters, urge president to nominate commissioners/governors of SEC and FRB that reflect consumer/community values, eg, not Wall Street revolving door. (19) Supported in letters, Do Not Track Kids Act (Markey, S 1563). (20) Urged Education Dept. to take strong action to protect Corinthian and other for-profit college students facing high student loans and no hope of jobs. (20) Opposed S. 1484 (Shelby) sweeping financial reform rollback proposal and expressed general support for alternate proposals. (21) In comments to CFPB, urge strong CFPB rules on arbitration, mortgage complaint handling, payday lending, and student banking as well as improved complaint narratives. (22) Support (meetings/letters) Duckworth amendment to HR 1735, National Defense Authorization Act to strike language eliminating servicemember financial protections. (23) Urge House, in letters and meetings, not to weaken Department of Justice anti-criminal project know as Operation Choke Point, including HR 1413/S142 and any amendments to appropriations and other bills. (24) Urge CMS/HHS to protect elders from unfair forced arbitration clauses in long-term care facility contracts. (25) Urge Congress to support "Equal Employment for All Act" to restrict use of credit reports for employment purposes. (26) urge House to oppose H.R. 3035, Credit Access and Inclusion Act, which undercuts Fair Credit Reporting Act protections. (27) Urge Federal Housing Finance Agency to enforce FCRA protections in mortgage payment and other disputes. (28) Urge HUD to retain longstanding form language that explicitly limits a lenders right to foreclose. (29) Oppose H.R. 1737, the Reforming CFPB Indirect Auto Financing Guidance Act" to weaken CFPB authority to protect car buyers. (30) Urge House to oppose HR 1266, to eliminate the CFPB's single director structure and replace it with a 5-member commission. (31) Urge Congress to oppose H.R. 3192, which insulates lenders from accountability when they make misleading disclosures to homeowners. (32) Support strong Departnment of Education amendments to the Cash Management Rule. (33) Urge HUD to maintain strong certification rules to obtain Federal Housing Administration insurance on a mortgage loan. (34) Urge Department of Labor to enact a strong "consumer first" fiduciary rule re retirement spending. (35) Join 22 October 2015 group letters urging the President and Vice President to require new executive branch officials from Wall Street/financial sector to " forego compensation offered by their former employers in exchange for their decisions to enter into public service." (36) Join 18 Nov 2016 group letter from Americans for Financial Reform to President and Treasury Secretary urging that "nominees to open seats as Commissioners at the Commodity Futures Trading Commission (CFTC) have the publicly demonstrated commitment to financial reform and expertise. (37) Join 4 November Americans for Financial Reform letter to Congress opposing Hensarling (TX) amendment to Highway Trust Fund bill. Amendment unrelated to underlying bill, contains a variety of amendments exempting various business from full SEC supervision and authority. (38) Join 26 Oct 2015 letter led by National Consumer Law Center urging Chair Yellen (FRB), Director Cordray (CFPB) and Comptroller Curry (OCC) to fully investigate RushCard prepaid card debacle, hold firm accountable and make customers whole. (39) Join 19 October group letter led by Americans for Financial Reform urging financial regulators (Chairs Yellen (FRB), Gruenberg (FDIC) and White (SEC), Comptroller Curry (OCC) and Secretary Lew (Treasury) to fully implement Section 956(b) of the Dodd-Frank Act prohibiting large financial institutions from using execeutive compensation schemes that promote risky practices. (40) Join 5 October 2015 group letter to all members of Congress urging opposition to HR 3192, the so-called Homebuyers Assistance Act, but which would "undermine compliance with the new CFPB mortgage disclosure rules by letting lenders off the hook even where homeowners have been harmed." (41) Upon invitation of House Small Business Committee, testify at 21 October 2015 hearing on the "EMV Transition" by banks and merchants to "CHIP" enabled credit cards to reduce fraud. Testimony reiterated longstanding positions against any data breach/privacy legislation that would preempt stronger state consumer laws.

(1) Urge CFPB to enact strong prepaid card rules, strengthen complaint database, regulate forced arbitration, regulate payday and other high-cost loans and take other steps to protect consumers. (2) Support independent funding, authority and structure of CFPB. Oppose all bills to weaken CFPB including HR 1262, Consumer Right to Financial Privacy Act of 2015; HR 1263, Consumer Financial Protection Safety and Soundness Improvement Act; HR 1264, CFPB Pay Fairness Act of 2015; HR 1265, the Bureau Advisory Commission Transparency Act; HR 1266, Financial Product Safety Commission Act of 2015; and any similar bills or budget or Appropriations riders to weaken the CFPB. (3) Oppose all bills to weaken Wall Street reform including HR 414, the Burdensome Data Collection Relief Act; and any similar bills or budgetary line items or appropriations riders designed tow eaken, consumer, investor or taxpayer protections. (4) Support legislation to rein in payday lending and similar predatory loan practices. Oppose any bills to provide special status or create non-bank federal charters for payday or similar lenders. Urge CFPB, and other regulators to prevent banks from offering similar predatory payday advance products. (5) Support legislation to hold credit bureaus accountable including proposals to provide free credit scores. (6) Work to protect consumer privacy notices from repeal. (6) Oppose efforts to add layers of unnecessary cost-benefit analysis or other so-called accountability constraints onto any federal financial agency or independent agency, including HR 185, the Regulatory Accountability Act; H.R. 527, the Small Business Regulatory Flexibility Improvements Act; H.R. 50, the Unfunded Mandates Information and Transparency Act;the REINS Act, HR 427, which harms consumer health, safety and pocketbooks and any similar bills or budget riders, including bills and riders to impose additional (often redundant) OMB cost-benefit rules on independent agencies including the CFPB and others. (7) Support full funding and authority for all other financial regulators, including CFTC and SEC. (8) Urge CFPB and other regulators to enact strongest possible rules to protect homeowners and consumers from financial, foreclosure, mortgage servicing and other weakenings. (9) Oppose efforts in Congress to weaken any other consumer laws (10) Support efforts to eliminate forced arbitration in consumer and investor contracts, such as support for Arbitration Fairness Act and the Investor Choice Act. (11) Support efforts to make large, interconnected financial institutions more accountable to taxpayers, depositors and investors, including support for Volcker rule, other too-big-to-fail and capital reforms, such as the 21st Century Glass-Steagall Act. (12) Oppose efforts (testimony/letters/lobbying) to impose uniform federal data breach notice legislation or any privacy bill of rights or other purportered cybersecurity legislation that would preempt state data security, privacy, or consumer protection rights and authorities. (13) Support efforts by Department of Labor to enact strong fidicuary standard for retirement advisors and, similarly, by SEC for other investment advisors. (14) Support efforts by Dept of Education and CFPB to protect students from prepaid card, loan disbursement and other campus card fees and other account fees derived from unfair financial relationships between colleges and banks or other financial firms. (15) Urged FDIC in group letter to express concern about Sallie Mae Bank's CRA performance. (16) Urged House in group lette to reject 2016 Labor-HHS Appropriations bill which includes rider restricting DoLabor completion of retirement savings rule and in separate letter urged House to oppose HR 1090 (Wagner) to eliminate DoLabor authority to issue the retirement rule. (17) Urged House to oppose FSGG Approps. bill for numerous unfair riders, specifically to eliminate CFPB independent funding. (18) In group letters, urge president to nominate commissioners/governors of SEC and FRB that reflect consumer/community values, eg, not Wall Street revolving door. (19) Supported in letters, Do Not Track Kids Act (Markey, S 1563). (20) Urged Education Dept. to take strong action to protect Corinthian and other for-profit college students facing high student loans and no hope of jobs. (20) Opposed S. 1484 (Shelby) sweeping financial reform rollback proposal and expressed general support for alternate proposals. (21) In comments to CFPB, urge strong CFPB rules on arbitration, mortgage complaint handling, payday lending, and student banking as well as improved complaint narratives. (22) Support (meetings/letters) Duckworth amendment to HR 1735, National Defense Authorization Act to strike language eliminating servicemember financial protections. (23) Urge House, in letters and meetings, not to weaken Department of Justice anti-criminal project know as Operation Choke Point, including HR 1413/S142 and any amendments to appropriations and other bills. (24) Urge CMS/HHS to protect elders from unfair forced arbitration clauses in long-term care facility contracts. (25) Urge Congress to support "Equal Employment for All Act" to restrict use of credit reports for employment purposes. (26) urge House to oppose H.R. 3035, Credit Access and Inclusion Act, which undercuts Fair Credit Reporting Act protections. (27) Urge Federal Housing Finance Agency to enforce FCRA protections in mortgage payment and other disputes. (28) Urge HUD to retain longstanding form language that explicitly limits a lenders right to foreclose. (29) Oppose H.R. 1737, the Reforming CFPB Indirect Auto Financing Guidance Act" to weaken CFPB authority to protect car buyers. (30) Urge House to oppose HR 1266, to eliminate the CFPB's single director structure and replace it with a 5-member commission. (31) Urge Congress to oppose H.R. 3192, which insulates lenders from accountability when they make misleading disclosures to homeowners. (32) Support strong Departnment of Education amendments to the Cash Management Rule. (33) Urge HUD to maintain strong certification rules to obtain Federal Housing Administration insurance on a mortgage loan. (34) Urge Department of Labor to enact a strong "consumer first" fiduciary rule re retirement spending

(1) Oppose any efforts to weaken the Commodities Futures Trading Commission's authority over derivatives or futures or to reduce its funding. (Note that in the Senate these primarily financial bills originate in the Agriculture Committee, for historic reasons dealing with agricultural commodities.) (2) Urged, in group letter, that House not repeal Country of Origin Labeling (Cool) for safe food Oppose HR 2393 (Caraway)).

Oppose fast track trade authority (so-called trade promotion authority). Oppose efforts in trade treaties and legislation, including activities under the Transatlantic Economic Council (TEC) or through any Transatlantic Free Trade Area (TAFTA) or Transatlantic Trade and Investment Partnership (TTIP) or Trans Pacific Partnership (TPP) or similar trade agreement that would scuttle strong consumer health, safety, privacy, and pocketbook protections in favor of weaker rules or grant corporations unacceptable powers such as ISDS (Investor-State Dispute Resolution powers). Oppose efforts to preempt or harmonize local or state or federal laws with weaker laws or throough trade agreements. Support strongest possible transparency in trade negotiations including public availability of real-time negotiating text. Urge USTR to disclose any surveillance by NSA or others of organizations working on trade policy.

(1) Oppose any efforts to weaken the Commodities Futures Trading Commission's authority over derivatives or futures or to reduce its funding. (2) Urged, in group letter, that House not repeal Country of Origin Labeling (Cool) for safe food Oppose HR 2393 (Caraway)).

Oppose fast track trade authority (so-called trade promotion authority). Oppose efforts in trade treaties and legislation, including activities under the Transatlantic Economic Council (TEC) or through any Transatlantic Free Trade Area (TAFTA) or Transatlantic Trade and Investment Partnership (TTIP) or Trans Pacific Partnership (TPP) or similar trade agreement that would scuttle strong consumer health, safety, privacy, and pocketbook protections in favor of weaker rules or grant corporations unacceptable powers such as ISDS (Investor-State Dispute Resolution powers). Oppose efforts to preempt or harmonize local or state or federal laws with weaker laws or throough trade agreements. Support strongest possible transparency in trade negotiations including public availability of real-time negotiating text. Urge USTR to disclose any surveillance by NSA or others of organizations working on trade policy.

(1) Oppose efforts such as the REINS Act to hamstring consumer health and safety agencies with layers of bureaucracy. Oppose a variety of similar bills designed to cripple agency rulemaking or impose duplicative brudensome requirements on independent agencies, including the Unfunded Mandates Information and Transparency Act (H.R. 50/S 189), the Regulatory Accountability Act (RAA) and any similar bills (2) Urge Office of Management and Budget to complete their work on the delayed Department of Transportation (DOT) Enhancing Consumer Protections III air passenger rulemaking. (3) Urge FTC to strictly enforce all privacy settlements; (4) Urge FCC to protect privacy, including of CPNI and E911 calls. (5) Support FCC efforts to place broadband under Title II of the Communications Act and to impose strong protections known as Net Neutrality. (6) Urge regulators (FCC, DOJ, FTC) to reject anti-competitive mergers, such as Comcast/TWC; (6) Urge administration to nominate and Senate to confirm strong pro-consumer commissioners to CPSC and other agencies (7) Urge passage of Child Nicotine Poisoning Prevention Act (HR 1375/S142); (13) Urge strong privacy protections for consumer data and metadata (CPNI) held by telecommunications firms. (8) Oppose all efforts to use Appropriations bill line items or riders to weaken any agency's ability to protect consumer, worker and community health, safety or finances. (9) In meetings and letters, urge FCC to oppose efforts to weaken the Telephone Consumer Protection Act, especially its privacy protections re robocalls. (10) Urge FTC to enact strongest possible pro-consumer Used Motor Vehicle Trade Regulation Rule. (11) Urge FDA to enact strongest possible rule re Supplemental Applications Proposing Labeling Changes for Approved Drugs and Biological Products, (12) Urge CPSC to adopt strongest possible phthalate protections. (13) Support strongest possible efforts by agencies and enforcers to prevent "pay for delay" or "product hopping" or other anti-competitive strategies by pharmaceutical firms. (14) Support strong rules and enforcement by DOJ, FRB and others to prevent market manipulation by payment card oligopoly. (15) Support enforcement of Robinson-Patman Act and other competition laws generally. (16) oppose efforts to place barriers on consumer private rights of action, including restrictions on joining class actions or any other restriction on the right to trial by jury. Generally oppose any laws or practices that place limits on consumer access to the civil justice system, caps on damages to aggrieved consumers or on the ability of judges and juries to do their jobs. (17) Urge CPSC in petition to enact strong window cord safety rule (Docket 2013-0028). (18) In letters, urge House/Senate to oppose legislation eliminating CPSC authority over Recreational Offroad Vehicles (ROV) HR 999/S 1840. (19) Oppose HR 1927 to weaken consumer/worker class action rights. (20) Support HR 436, Sunshine In Litigation Act to prevent powerful special interests from seeking court seals/secrecy orders on matters pertaining to health and safety. (21) Urge FDA to enact strong liquid nicotine child safety regulations. (22) Urge Senate Judiciary Committee to investigate anti-competitive health care mergers. (23) Urge FCC to oppose certain industry petitions seeking exceptions to robocall rules; urge FCC to protect consumers in robocall rulemakings. (24) Joined group letter of 10 November urging that the Hide No Harm Act (S. 2140) and/or S. 1743 (Motor Vehicle Safety Act) be added to cmprehensive highway/infrastructure legislation in the wake of disclosure of coverups of safety and pollution violations by automakers.

(1) Support efforts to make consumer bankruptcy laws fairer, including elimination of medical debts on credit reports and support efforts to remove private student loans from permanent credit reporting (eliminate inability to discharge them in bankruptcy) (2) Oppose H.R. 526, the "Furthering Asbestos Claim Transparency Act" or FACT Act.

(1) Support efforts to make consumer bankruptcy laws fairer, including elimination of medical debts on credit reports and support efforts to remove private student loans from permanent credit reporting (eliminate inability to discharge them in bankruptcy) (2) Oppose H.R. 526, the "Furthering Asbestos Claim Transparency Act" or FACT Act.

(1) Oppose any efforts to weaken the Commodities Futures Trading Commission's authority over derivatives or futures or to reduce its funding. (Note that in the Senate these primarily financial bills originate in the Agriculture Committee, for historic reasons dealing with agricultural commodities.) (2) Urged, in group letter, that House not repeal Country of Origin Labeling (Cool) for safe food Oppose HR 2393 (Caraway)).

Oppose fast track trade authority (so-called trade promotion authority). Oppose efforts in trade treaties and legislation, including activities under the Transatlantic Economic Council (TEC) or through any Transatlantic Free Trade Area (TAFTA) or Transatlantic Trade and Investment Partnership (TTIP) or Trans Pacific Partnership (TPP) or similar trade agreement that would scuttle strong consumer health, safety, privacy, and pocketbook protections in favor of weaker rules or grant corporations unacceptable powers such as ISDS (Investor-State Dispute Resolution powers). Oppose efforts to preempt or harmonize local or state or federal laws with weaker laws or throough trade agreements. Support strongest possible transparency in trade negotiations including public availability of real-time negotiating text. Urge USTR to disclose any surveillance by NSA or others of organizations working on trade policy.

(1) Oppose efforts such as the REINS Act to hamstring consumer health and safety agencies with layers of bureaucracy. Oppose a variety of similar bills designed to cripple agency rulemaking or impose duplicative brudensome requirements on independent agencies, including the Unfunded Mandates Information and Transparency Act (H.R. 50/S 189), the Regulatory Accountability Act (RAA) and any similar bills (2) Urge Office of Management and Budget to complete their work on the delayed Department of Transportation (DOT) Enhancing Consumer Protections III air passenger rulemaking. (3) Urge FTC to strictly enforce all privacy settlements; (4) Urge FCC to protect privacy, including of CPNI and E911 calls. (5) Support FCC efforts to place broadband under Title II of the Communications Act and to impose strong protections known as Net Neutrality. (6) Urge regulators (FCC, DOJ, FTC) to reject anti-competitive mergers, such as Comcast/TWC; (6) Urge administration to nominate and Senate to confirm strong pro-consumer commissioners to CPSC and other agencies (7) Urge passage of Child Nicotine Poisoning Prevention Act (HR 1375/S142); (13) Urge strong privacy protections for consumer data and metadata (CPNI) held by telecommunications firms. (8) Oppose all efforts to use Appropriations bill line items or riders to weaken any agency's ability to protect consumer, worker and community health, safety or finances. (9) In meetings and letters, urge FCC to oppose efforts to weaken the Telephone Consumer Protection Act, especially its privacy protections re robocalls. (10) Urge FTC to enact strongest possible pro-consumer Used Motor Vehicle Trade Regulation Rule. (11) Urge FDA to enact strongest possible rule re Supplemental Applications Proposing Labeling Changes for Approved Drugs and Biological Products, (12) Urge CPSC to adopt strongest possible phthalate protections. (13) Support strongest possible efforts by agencies and enforcers to prevent "pay for delay" or "product hopping" or other anti-competitive strategies by pharmaceutical firms. (14) Support strong rules and enforcement by DOJ, FRB and others to prevent market manipulation by payment card oligopoly. (15) Support enforcement of Robinson-Patman Act and other competition laws generally. (16) oppose efforts to place barriers on consumer private rights of action, including restrictions on joining class actions or any other restriction on the right to trial by jury. Generally oppose any laws or practices that place limits on consumer access to the civil justice system, caps on damages to aggrieved consumers or on the ability of judges and juries to do their jobs. (17) Urge CPSC in petition to enact strong window cord safety rule (Docket 2013-0028). (18) In letters, urge House/Senate to oppose legislation eliminating CPSC authority over Recreational Offroad Vehicles (ROV) HR 999/S 1840. (19) Oppose HR 1927 to weaken consumer/worker class action rights. (20) Support HR 436, Sunshine In Litigation Act to prevent powerful special interests from seeking court seals/secrecy orders on matters pertaining to health and safety. (21) Urge FDA to enact strong liquid nicotine child safety regulations. (22) Urge Senate Judiciary Committee to investigate anti-competitive health care mergers. (23) Urge FCC to oppose certain industry petitions seeking exceptions to robocall rules; urge FCC to protect consumers in robocall rulemakings.

(1) Oppose efforts such as the REINS Act to hamstring consumer health and safety agencies with layers of bureaucracy. Oppose a variety of similar bills designed to cripple agency rulemaking or impose duplicative brudensome requirements on independent agencies, including the Unfunded Mandates Information and Transparency Act (H.R. 50/S 189), the Regulatory Accountability Act (RAA) and any similar bills (2) Urge Office of Management and Budget to complete their work on the delayed Department of Transportation (DOT) Enhancing Consumer Protections III air passenger rulemaking. (3) Urge FTC to strictly enforce all privacy settlements; (4) Urge FCC to protect privacy, including of CPNI and E911 calls. (5) Support FCC efforts to place broadband under Title II of the Communications Act and to impose strong protections known as Net Neutrality. (6) Urge regulators (FCC, DOJ, FTC) to reject anti-competitive mergers, such as Comcast/TWC; (6) Urge administration to nominate and Senate to confirm strong pro-consumer commissioners to CPSC and other agencies (7) Urge passage of Child Nicotine Poisoning Prevention Act (HR 1375/S142); (13) Urge strong privacy protections for consumer data and metadata (CPNI) held by telecommunications firms. (8) Oppose all efforts to use Appropriations bill line items or riders to weaken any agency's ability to protect consumer, worker and community health, safety or finances. (9) In meetings and letters, urge FCC to oppose efforts to weaken the Telephone Consumer Protection Act, especially its privacy protections re robocalls. (10) Urge FTC to enact strongest possible pro-consumer Used Motor Vehicle Trade Regulation Rule. (11) Urge FDA to enact strongest possible rule re Supplemental Applications Proposing Labeling Changes for Approved Drugs and Biological Products, (12) Urge CPSC to adopt strongest possible phthalate protections. (13) Support strongest possible efforts by agencies and enforcers to prevent "pay for delay" or "product hopping" or other anti-competitive strategies by pharmaceutical firms. (14) Support strong rules and enforcement by DOJ, FRB and others to prevent market manipulation by payment card oligopoly. (15) Support enforcement of Robinson-Patman Act and other competition laws generally. (16) oppose efforts to place barriers on consumer private rights of action, including restrictions on joining class actions or any other restriction on the right to trial by jury. Generally oppose any laws or practices that place limits on consumer access to the civil justice system, caps on damages to aggrieved consumers or on the ability of judges and juries to do their jobs. (17) Urge CFPSC in petition to enact strong window cord safety rule (Docket 2013-0028). (18) In letters, urge House/Senate to oppose legislation eliminating CPSC authority over Recreational Offroad Vehicles (ROV) HR 999/S 1840. (19) Oppose HR 1927 to weaken consumer/worker class action rights. (20) Support HR 436, Sunshine In Litigation Act to prevent powerful special interests from seeking court seals/secrecy orders on matters pertaining to health and safety. CFPB Payday Rule

(1) Oppose any efforts to weaken the Commodities Futures Trading Commission's authority over derivatives or futures or to reduce its funding. (Note that in the Senate these primarily financial bills originate in the Agriculture Committee, for historic reasons dealing with agricultural commodities.) (2) Urged, in group letter, that House not repeal Country of Origin Labeling (Cool) for safe food Oppose HR 2393 (Caraway)). Antibiotics in Food Meeting

(1) Urge CFPB to enact strong prepaid card rules, strengthen complaint database, regulate forced arbitration, regulate payday and other high-cost loans and take other steps to protect consumers. (2) Support independent funding, authority and structure of CFPB. Oppose all bills to weaken CFPB including HR 1262, Consumer Right to Financial Privacy Act of 2015; HR 1263, Consumer Financial Protection Safety and Soundness Improvement Act; HR 1264, CFPB Pay Fairness Act of 2015; HR 1265, the Bureau Advisory Commission Transparency Act; HR 1266, Financial Product Safety Commission Act of 2015; and any similar bills or budget or Appropriations riders to weaken the CFPB. (3) Oppose all bills to weaken Wall Street reform including HR 414, the Burdensome Data Collection Relief Act; and any similar bills or budgetary line items or appropriations riders designed tow eaken, consumer, investor or taxpayer protections. (4) Support legislation to rein in payday lending and similar predatory loan practices. Oppose any bills to provide special status or create non-bank federal charters for payday or similar lenders. Urge CFPB, and other regulators to prevent banks from offering similar predatory payday advance products. (5) Support legislation to hold credit bureaus accountable including proposals to provide free credit scores. (6) Work to protect consumer privacy notices from repeal. (6) Oppose efforts to add layers of unnecessary cost-benefit analysis or other so-called accountability constraints onto any federal financial agency or independent agency, including HR 185, the Regulatory Accountability Act; H.R. 527, the Small Business Regulatory Flexibility Improvements Act; H.R. 50, the Unfunded Mandates Information and Transparency Act; the REINS ACT and any similar bills, including bills to impose additional (often redundant) OMB cost-benefit rules on independent agencies including the CFPB and others. (7) Support full funding and authority for all other financial regulators, including CFTC and SEC. (8) Urge CFPB and other regulators to enact strongest possible rules to protect homeowners and consumers from financial, foreclosure, mortgage servicing and other weakenings. (9) Oppose efforts in Congress to weaken any other consumer laws (10) Support efforts to eliminate forced arbitration in consumer and investor contracts, such as support for Arbitration Fairness Act and the Investor Choice Act. (11) Support efforts to make large, interconnected financial institutions more accountable to taxpayers, depositors and investors, including support for Volcker rule, other too-big-to-fail and capital reforms, such as the 21st Century Glass-Steagall Act. (12) Oppose efforts (testimony/letters/lobbying) to impose uniform federal data breach notice legislation or any privacy bill of rights or other purportered cybersecurity legislation that would preempt state data security, privacy, or consumer protection rights and authorities. (13) Support efforts by Department of Labor to enact strong fidicuary standard for retirement advisors and, similarly, by SEC for other investment advisors. (14) Support efforts by Dept of Education and CFPB to protect students from prepaid card, loan disbursement and other campus card fees and other account fees derived from unfair financial relationships between colleges and banks or other financial firms. (15) Urged FDIC in group letter to express concern about Sallie Mae Bank's CRA performance. (16) Urged House in group lette to reject 2016 Labor-HHS Appropriations bill which includes rider restricting DoLabor completion of retirement savings rule and in separate letter urged House to oppose HR 1090 (Wagner) to eliminate DoLabor authority to issue the retirement rule. (17) Urged House to oppose FSGG Approps. bill for numerous unfair riders, specifically to eliminate CFPB independent funding. (18) In group letters, urge president to nominate commissioners/governors of SEC and FRB that reflect consumer/community values, eg, not Wall Street revolving door. (19) Supported in letters, Do Not Track Kids Act (Markey, S 1563). (20) Urged Education Dept. to take strong action to protect Corinthian and other for-profit college students facing high student loans and no hope of jobs. (20) Opposed S. 1484 (Shelby) sweeping financial reform rollback proposal and expressed general support for alternate proposals. (21) In comments to CFPB, urge strong CFPB rules on arbitration, mortgage complaint handling, payday lending, and student banking. (22) Support (meetings/letters) Duckworth amendment to HR 1735, National Defense Authorization Act to strike language eliminating servicemember financial protections. (23) Urge House, in letters and meetings, not to weaken Department of Justice anti-criminal project know as Operation Choke Point, including HR 1413/S142 and any amendments to appropriations and other bills.

(1) Oppose fast track trade authority (so-called trade promotion authority). (2) Oppose efforts in trade treaties and legislation, including activities under the Transatlantic Economic Council (TEC) or through any Transatlantic Free Trade Area (TAFTA) or Transatlantic Trade and Investment Partnership (TTIP) or Trans Pacific Partnership (TPP) or similar trade agreement that would scuttle strong consumer health, safety, privacy, and pocketbook protections in favor of weaker rules or grant corporations unacceptable powers such as ISDS (Investor-State Dispute Resolution powers). (3) Oppose efforts to preempt or harmonize local or state or federal laws with weaker laws or through trade agreements. (4) Support strongest possible transparency in trade negotiations including public availability of real-time negotiating text. (5) Urge USTR to disclose any surveillance by NSA or others of organizations working on trade policy.

(1) Urge CFPB to enact strong prepaid card rules, strengthen complaint database, regulate forced arbitration, regulate payday and other high-cost loans and take other steps to protect consumers. (2) Support independent funding, authority and structure of CFPB. Oppose all bills to weaken CFPB including HR 1262, Consumer Right to Financial Privacy Act of 2015; HR 1263, Consumer Financial Protection Safety and Soundness Improvement Act; HR 1264, CFPB Pay Fairness Act of 2015; HR 1265, the Bureau Advisory Commission Transparency Act; HR 1266, Financial Product Safety Commission Act of 2015; and any similar bills or budget or Appropriations riders to weaken the CFPB. (3) Oppose all bills to weaken Wall Street reform including HR 414, the Burdensome Data Collection Relief Act; and any similar bills or budgetary line items or appropriations riders designed to weaken, consumer, investor or taxpayer protections. (4) Support legislation to rein in payday lending and similar predatory loan practices. Oppose any bills to provide special status or create non-bank federal charters for payday or similar lenders. Urge CFPB, and other regulators to prevent banks from offering similar predatory payday advance products. (5) Support legislation to hold credit bureaus accountable including proposals to provide free credit scores. (6) Work to protect consumer privacy notices from repeal. (6) Oppose efforts to add layers of unnecessary cost-benefit analysis or other so-called accountability constraints onto any federal financial agency or independent agency, including HR 185, the Regulatory Accountability Act; H.R. 527, the Small Business Regulatory Flexibility Improvements Act; H.R. 50, the Unfunded Mandates Information and Transparency Act; the REINS ACT and any similar bills, including bills to impose additional (often redundant) OMB cost-benefit rules on independent agencies including the CFPB and others. (7) Support full funding and authority for all other financial regulators, including CFTC and SEC. (8) Urge CFPB and other regulators to enact strongest possible rules to protect homeowners and consumers from financial, foreclosure, mortgage servicing and other weakenings. (9) Oppose efforts in Congress to weaken any other consumer laws (10) Support efforts to eliminate forced arbitration in consumer and investor contracts, such as support for Arbitration Fairness Act and the Investor Choice Act. (11) Support efforts to make large, interconnected financial institutions more accountable to taxpayers, depositors and investors, including support for Volcker rule, other too-big-to-fail and capital reforms, such as the 21st Century Glass-Steagall Act. (12) Oppose efforts to impose uniform federal data breach notice legislation or any privacy bill of rights or other purported cyber-security legislation that would preempt state data security, privacy, or consumer protection rights and authorities. (13) Support efforts by Department of Labor to enact strong fiduciary standard for retirement advisers and, similarly, by SEC for other investment advisers. (14) Support efforts by Dept of Education and CFPB to protect students from prepaid card, loan disbursement and other campus card fees and other account fees derived from unfair financial relationships between colleges and banks or other financial firms.

Oppose any efforts to weaken the Commodities Futures Trading Commission's authority over derivatives or futures or to reduce its funding. (Note that in the Senate these primarily financial bills originate in the Agriculture Committee, for historic reasons dealing with agricultural commodities.)

Support efforts to make consumer bankruptcy laws fairer, including elimination of medical debts on credit reports (S 160) and similar House proposals) and support efforts to remove private student loans from permanent credit reporting (eliminate inability to discharge them in bankruptcy) (HR 532, S 114). (2) Oppose H.R. 982, the "Furthering Asbestos Claim Transparency Act" or FACT Act.

Oppose fast track trade authority (H.R. 3830/ S. 1900). Oppose efforts in trade treaties and legislation, including activities under the Transatlantic Economic Council (TEC) or through any Transatlantic Free Trade Area (TAFTA) or Transatlantic Trade and Investment Partnership (TTIP) or Trans Pacific Partnership (TPP) or similar trade agreement that would scuttle strong consumer health, safety, privacy, and pocketbook protections in favor of weaker rules or grant corporations unacceptable powers such as ISDS (Investor-State Dispute Resolution powers). Oppose efforts to preempt or harmonize local or state or federal laws. Support strongest possible transparency in trade negotiations including public availability of real-time negotiating text. Urge USTR to disclose any surveillance by NSA or others of organizations working on trade policy.

1) Urge CFPB to enact strong fair debt collection rule reforms, regulate arbitration, and take other steps to protect consumers. (2) Support bank overdraft fee reform (HR 1261) (3) Support independent funding, authority and structure of CFPB. Oppose all bills to weaken CFPB including HR 3193, the Consumer Financial Freedom and Washington Accountability Act; HR 450, the Bureau of Consumer Financial Protection Accountability Act; H.R. 3389, the CFPB Slush Fund Elimination Act; H.R. 4604, the CFPB Data Collection Security Act; H.R. 4262, the Bureau Advisory Commission Transparency Act; H.R. 4539, the Bureau Research Transparency Act; H.R. 3770, the CFPB-IG Act of 2013; H.R. 4383, the Bureau of Consumer Financial Protection Small Business Advisory Board Act; H.R. 4804, the Bureau Examination Fairness Act; H.R. 4662, the Bureau Advisory Opinion Act; H.R. 4811, the Bureau Guidance Transparency Act; Oppose similar bills to weaken the CFPB or Wall Street reform including S. 205, S 190, S. 238, S. 450, S 2732 and any similar bills or budgetary line items or appropriations riders, including Sections 501-504 of HR 5016, the Financial Services and General Government Appropriations Act, 2015. (4) Support legislation to rein in payday lending and similar predatory loan practices, including HR 990 and S 172. Oppose any bills to provide special status or create non-bank federal charters for payday or similar lenders, such as H.R. 1566, the so-called Consumer Credit Access, Innovation, and Modernization Act. . Urge CFPB, and other regulators to prevent banks from offering similar predatory payday advance products. (5) Support legislation to hold credit bureaus accountable including proposals to provide free credit scores, such as S 471/HR 1002. (6) Work to protect consumer privacy notices from full repeal (HR 749, S 635). (6) Oppose efforts to add layers of unnecessary cost-benefit analysis or other so-called accountability constraints onto any federal financial agency or independent agency, including REINS ACT (S 15) and the sweeping so-called Jobs Act (HR 4) and any similar bills, including bills to impose OMB cost-benefit rules on independent agencies including the CFPB and others. (7) Support full funding and authority for all other financial regulators, including CFTC and SEC. (8) Urge CFPB and other regulators to enact strongest possible rules to protect homeowners and consumers from financial, foreclosure, mortgage servicing and other weakenings. (9) Oppose efforts in Congress to weaken any other consumer laws (10) Support efforts to eliminate forced arbitration in consumer contracts, such as support for Arbitration Fairness Act (Arbitration Fairness Act of 2013 (or AFA), S. 878, ). (11) Support efforts to make large, interconnected financial institutions more accountable to taxpayers, depositors and investors, including support for Volcker rule, other too-big-to-fail and capital reforms, such as the 21st Century Glass-Steagall Act, S 1282. Oppose efforts to weaken that authority, including HR 797, which would weaken protections for municipal borrowers (12) Urge CFPB/DeptofEd and administration to support strong gainful employment rules for for-profit schools and to protect students from unfair debit and prepaid card loan disbursement and other on-campus practices. (13) Support CFPB/DOE efforts to protect students from unfair private student loan practices. (14) Support Congressional and agency efforts to protect consumers from new and under-regulated uses of consumer data. Urge financial agencies and FTC to protect consumer privacy and to regulate Internet credit scoring models, data brokers and other practices involving the sale or mining of consumer social networking and other information. Regulate tracking of consumers. Similarly, urge that amendments to Electronic Communications Privacy Act reflect need for consumer/citizen privacy. (15) Support efforts to establish anti-speculation Financial Transactions Tax (HR 880, S 410). (16) Oppose efforts to weaken investor protections, including under guise of implementing JOBS Act of 2012. (17) Support efforts to eliminate Deceptive Loan Checks (S 187); Urge that any cybersecurity legislation includes privacy protections in Title VII of S. 3414 (2012). (18) Urge CFPB to use authority to ensure private education lenders obtain school certification prior to disbursing private education loans and urge CFPB/DeptofEd to protect students. (19) Urge opposition to H.R. 1256, the so-called Swaps Jurisdiction Certainty Act and similar proposals to weaken CFTC authority. (20) Generally urge CFPB to implement strongest possible consumer protections, including to protect consumers from unfair pre-dispute arbitration agreements, from credit bureau mistakes, from fee-harvester credit cards, unfair debt collector practices, as well as strongest mortgage and foreclosure rules, etc. (21) Urge FTC to enact and enforce strong consumer rules on issues ranging from privacy to used car rules to debt collection and debt settlement firms. (22) Protect and enhance Durbin amendment limiting so-called merchant swipe or interchange fees on debit cards. (22) Support Freedom and Mobility in Consumer Banking Act, HR 3137 (Schakowsky) and S 1534 (Harkin). (23) Oppose HR 2538 to allow full file credit reporting without adequate safeguards.(24) Support HR 2998, Investor Choice Act to eliminate mandatory arbitration in investor disputes (Ellison). (25) Urge FTC to strengthen Telemarketing Sales Rule. (26) Urge Department of Defense to strengthen Military Lending Act regarding Limitations on Terms of Consumer Credit Extended to Service Members and Dependents to close loopholes, ban forced arbitration and for other purposes (27) Oppose S. 710, the so-called Municipal Advisors Relief Act of 2013. (28) Oppose H.R. 2655, the so-called Lawsuit Abuse Reduction Act. (29) Support efforts by CFPB and prudential regulators to end discriminatory lending practices in the auto finance market that harm minority car buyers. (30) Support the Net Price Calculator Improvement Act for college student loan comparisons. (31) Urge bank regulators take further strong action to protect consumers and the payment system by stopping depository institutions and payment processors from facilitating electronic payments for illegal transactions, including illegal payday loans. (32) Urge CFPB to propose and enact strong, comprehensive rule regulating online and storefront payday and similar small-dollar loans. (33) Support legislation such as S.1654 the- Government Settlement Transparency and Reform Act and urge CFPB, DOJ, FTC, SEC and other agencies to include language in lawsuit settlements to prevent corporate wrongdoers from taking tax writeoffs on any penalties or restitution paid to Treasury or consumer-victims. Urge that these settlements be made public. (34) Urge U.S. Treasury Departments Federal Insurance Office (FIO) to make strongest possible policy proposals to protect insurance consumers from anti-competitive pricing and marketing and other practices endemic to the property and casualty insurance industry. (35) Urge the President to nominate pro-consumer appointees to agency boards, commissions and directorships. (36) Oppose the Fair Debt Collection Practices Technical Clarification Act of 2013, HR 2892. (36) Urge Department of Labor and SEC to rapidly enact fiduciary rules to protect investors. (37) Urge administration to nominate and Senate to confirm strong pro-consumer governors to Federal Reserve Board, (38) Oppose legislative and other efforts to weaken agency authority to regulate payment processors and financial firms that may aid and abet consumer fraud (so-called Operation Choke Point), (39) Support efforts such as S 2868 to extend statue of limitations for SEC actions against investor fraud. (40) Urge CFPB to regulate auto lenders under Larger Participants rulemaking authority (41) Urge Federal Housing Finance Authority to use more accurate credit scoring models for consumers. (42) Urge federal financial regulators not to rescind or repeal Regulation AA, which prohibits unfair credit practices. (42) Support S 2224 to strengthen credit reporting laws.

Oppose fast track trade authority (H.R. 3830/ S. 1900). Oppose efforts in trade treaties and legislation, including activities under the Transatlantic Economic Council (TEC) or through any Transatlantic Free Trade Area (TAFTA) or Transatlantic Trade and Investment Partnership (TTIP) or Trans Pacific Partnership (TPP) or similar trade agreement that would scuttle strong consumer health, safety, privacy, and pocketbook protections in favor of weaker rules or grant corporations unacceptable powers such as ISDS (Investor-State Dispute Resolution powers). Oppose efforts to preempt or harmonize local or state or federal laws. Support strongest possible transparency in trade negotiations including public availability of real-time negotiating text. Urge USTR to disclose any surveillance by NSA or others of organizations working on trade policy.

(1) Oppose efforts such as the REINS Act, S 15, to hamstring consumer health and safety agencies with layers of bureaucracy. Oppose a variety of similar bills designed to cripple agency rule-making or impose duplicative burdensome requirements on independent agencies, including the Unfunded Mandates Information and Transparency Act (H.R. 899), the Sunshine for Regulatory Decrees and Settlements Act (H.R. 1493), the Regulatory Flexibility Improvements Act (RFIA) (H.R. 2542), the Regulatory Accountability Act (RAA) (H.R. 2122), the All Economic Regulations are Transparent (ALERT) Act (H.R. 2804), a package of several of these bills rolled together. (2) Urge Office of Management and Budget to complete their work on the delayed Department of Transportation (DOT) Enhancing Consumer Protections III air passenger rulemaking. (3) Urge FTC to enforce all privacy settlements, including Facebook "Sponsored Stories" settlement. (4) Urge FCC to protect privacy of CPNI. (5) Oppose efforts such as as H.R. 4106, the so-called Saving Lives, Saving Costs Act to unwisely make it harder for consumer-victims to obtain redress for medical malpractice. Oppose any efforts to similarly immunize special interest wrongdoers by raising pleading standards, eliminating private rights of action or otherwise raising barriers to justice. (6) Support H.R.4361, the Sunshine in Litigation Act of 2014 and similar efforts. (7) Oppose H.R. 4156, The (so-called) Transparent Airfares Act of 2014, (8) Urge CPSC to support strong magnet safety standards, strong window blind anti-stragulation rules. (9) Urge regulators (FCC, DOJ, FTC) to reject anti-competitive mergers, such as Comcast/TWC, (10) Urge FCC to protect network neutrality, not allow two-tiered Internet w/ fast/slow lanes. (11) Urge administration to nominate and Senate to confirm strong pro-consumer commissioners to CPSC, (12) Urge pasage of Child Nicotine Poisoning Prevention Act of 2014. (13) Urge strong privacy protections for consumer data and metadata held by telecommunications firms. (14) Oppose all efforts to use Appropriations bill line items or riders to weaken any agency's ability to protect consumer, worker and community health, safety or finances.

Oppose fast track trade authority (H.R. 3830/ S. 1900). Oppose efforts in trade treaties and legislation, including activities under the Transatlantic Economic Council (TEC) or through any Transatlantic Free Trade Area (TAFTA) or Transatlantic Trade and Investment Partnership (TTIP) or Trans Pacific Partnership (TPP) or similar trade agreement that would scuttle strong consumer health, safety, privacy, and pocketbook protections in favor of weaker rules or grant corporations unacceptable powers such as ISDS (Investor-State Dispute Resolution powers). Oppose efforts to preempt or harmonize local or state or federal laws. Support strongest possible transparency in trade negotiations including public availability of real-time negotiating text. Urge USTR to disclose any surveillance by NSA or others of organizations working on trade policy.

(1) Urge CFPB to enact strong fair debt collection rule reforms, regulate arbitration, and take other steps to protect consumers. (2) Support bank overdraft fee reform (HR 1261) (3) Support independent funding, authority and structure of CFPB. Oppose all bills to weaken CFPB including HR 3193, the Consumer Financial Freedom and Washington Accountability Act; HR 450, the Bureau of Consumer Financial Protection Accountability Act; H.R. 3389, the CFPB Slush Fund Elimination Act; H.R. 4604, the CFPB Data Collection Security Act; H.R. 4262, the Bureau Advisory Commission Transparency Act; H.R. 4539, the Bureau Research Transparency Act; H.R. 3770, the CFPB-IG Act of 2013; H.R. 4383, the Bureau of Consumer Financial Protection Small Business Advisory Board Act; H.R. 4804, the Bureau Examination Fairness Act; H.R. 4662, the Bureau Advisory Opinion Act; H.R. 4811, the Bureau Guidance Transparency Act; HR .S 18., S. 205, S 190, S. 238, S. 450 and any similar bills or budgetary line items or appropriations riders, including Sections 501-504 of HR 5016, the Financial Services and General Government Appropriations Act, 2015. (4) Support legislation to rein in payday lending and similar predatory loan practices, including HR 990 and S 172. Oppose any bills to provide special status or create non-bank federal charters for payday or similar lenders, such as H.R. 1566, the so-called Consumer Credit Access, Innovation, and Modernization Act. . Urge CFPB, and other regulators to prevent banks from offering similar predatory payday advance products. (5) Support legislation to hold credit bureaus accountable including proposals to provide free credit scores, such as S 471/HR 1002. (6) Work to protect consumer privacy notices from full repeal (HR 749, S 635). (6) Oppose efforts to add layers of unnecessary cost-benefit analysis or other so-called accountability constraints onto any federal financial agency or independent agency, including REINS ACT (S 15) and any similar bills, including bills to impose OMB cost-benefit rules on independent agencies including the CFPB and others. (7) Support full funding and authority for all other financial regulators, including CFTC and SEC. (8) Urge CFPB and other regulators to enact strongest possible rules to protect homeowners and consumers from financial, foreclosure, mortgage servicing and other weakenings. (9) Oppose efforts in Congress to weaken any other consumer laws (10) Support efforts to eliminate forced arbitration in consumer contracts, such as support for Arbitration Fairness Act ( Arbitration Fairness Act of 2013 (or AFA), S. 878, ). (11) Support efforts to make large, interconnected financial institutions more accountable to taxpayers, depositors and investors, including support for Volcker rule, other too-big-to-fail and capital reforms, such as the 21st Century Glass-Steagall Act, S 1282. Oppose efforts to weaken that authority, including HR 797, which would weaken protections for municipal borrowers (12) Urge CFPB/DeptofEd and administration to support strong gainful employment rules for for-profit schools and to protect students from unfair debit and prepaid card loan disbursement and other on-campus practices. (13) Support CFPB/DOE efforts to protect students from unfair private student loan practices. (14) Support Congressional and agency efforts to protect consumers from new and under-regulated uses of consumer data. Urge financial agencies and FTC to protect consumer privacy and to regulate Internet credit scoring models, data brokers and other practices involving the sale or mining of consumer social networking and other information. Regulate tracking of consumers. Similarly, urge that amendments to Electronic Communications Privacy Act reflect need for consumer/citizen privacy. (15) Support efforts to establish anti-speculation Financial Transactions Tax (HR 880, S 410). (16) Oppose efforts to weaken investor protections, including under guise of implementing JOBS Act of 2012. (17) Support efforts to eliminate Deceptive Loan Checks (S 187); Urge that any cybersecurity legislation includes privacy protections in Title VII of S. 3414 (2012). (18) Urge CFPB to use authority to ensure private education lenders obtain school certification prior to disbursing private education loans and urge CFPB/DeptofEd to protect students. (19) Urge opposition to H.R. 1256, the so-called Swaps Jurisdiction Certainty Act and similar proposals to weaken CFTC authority. (20) Generally urge CFPB to implement strongest possible consumer protections, including to protect consumers from unfair pre-dispute arbitration agreements, from credit bureau mistakes, from fee-harvester credit cards, unfair debt collector practices, as well as strongest mortgage and foreclosure rules, etc. (21) Urge FTC to enact and enforce strong consumer rules on issues ranging from privacy to used car rules to debt collection and debt settlement firms. (22) Protect and enhance Durbin amendment limiting so-called merchant swipe or interchange fees on debit cards. (22) Support Freedom and Mobility in Consumer Banking Act, HR 3137 (Schakowsky) and S 1534 (Harkin). (23) Oppose HR 2538 to allow full file credit reporting without adequate safeguards.(24) Support HR 2998, Investor Choice Act to eliminate mandatory arbitration in investor disputes (Ellison). (25) Urge FTC to strengthen Telemarketing Sales Rule. (26) Urge Defense to strengthen Military Lending Act regarding Limitations on Terms of Consumer Credit Extended to Service Members and Dependents (27) Oppose S. 710, the so-called Municipal Advisors Relief Act of 2013. (28) Oppose H.R. 2655, the so-called Lawsuit Abuse Reduction Act. (29) Support efforts by CFPB and prudential regulators to end discriminatory lending practices in the auto finance market that harm minority car buyers. (30) Support the Net Price Calculator Improvement Act for college student loan comparisons. (31) Urge bank regulators take further strong action to protect consumers and the payment system by stopping depository institutions and payment processors from facilitating electronic payments for illegal transactions, including illegal payday loans. (32) Urge CFPB to propose and enact strong, comprehensive rule regulating online and storefront payday and similar small-dollar loans. (33) Support legislation such as S.1654 the- Government Settlement Transparency and Reform Act and urge CFPB, DOJ, FTC, SEC and other agencies to include language in lawsuit settlements to prevent corporate wrongdoers from taking tax writeoffs on any penalties or restitution paid to Treasury or consumer-victims. Urge that these settlements be made public. (34) Urge U.S. Treasury Departments Federal Insurance Office (FIO) to make strongest possible policy proposals to protect insurance consumers from anti-competitive pricing and marketing and other practices endemic to the property and casualty insurance industry. (35) Urge the President to nominate pro-consumer appointees to agency boards, commissions and directorships. (36) Oppose the Fair Debt Collection Practices Technical Clarification Act of 2013, HR 2892.

Oppose any efforts to weaken the Commodities Futures Trading Commission's authority over derivatives or futures or to reduce its funding.

(1) Urge CFPB to enact strong fair debt collection rule reforms (2) Support bank overdraft fee reform (HR 1261) (3) Support independent funding, authority and structure of CFPB and oppose all bills to weaken including HR 3193, HR 450,.S 18., S. 205, S 190, S. 238, S. 450 and any similar bills or budgetary line items or appropriations riders. OCC, FDIC, CFTC, SEC, FTC, National Economic Council, FFIEC, NCUA, Department of Education, OMB/OIRA, Commerce, State, Defense, DOJ(4) Support legislation to rein in payday lending and similar predatory loan practices, including HR 990 and S 172. Oppose any bills to provide special status or create non-bank federal charters for payday or similar lenders, such as H.R. 1566, the so-called Consumer Credit Access, Innovation, and Modernization Act. . Urge CFPB, and other regulators to prevent banks from offering simlar predatory payday advance products. (5) Support legislation to hold credit bureaus accountable including proposals to provide free credit scores, such as S 471/HR 1002. (6) Work to protect consumer privacy notices from full repeal (HR 749, S 635). (6) Oppose efforts to add layers of unnecessary cost-benefit analysis or other so-called accountability constraints onto any federal financial agency or independent agency, including REINS ACT (S 15) and any similar bills. (7) Support full funding and authority for all othe financial regulators, including CFTC and SEC. (8) Urge CFPB and other regulators to enact strongest possible rules to protect homeowners and consumers from financial, foreclosure, mortgage servicing and other weakenings. (9) Oppose efforts in Congress to weaken any other consumer laws (10) Support efforts to eliminate forced arbitration in consumer contracts, such as support for Arbitration Fairness Act (Arbitration Fairness Act of 2013 (or AFA), S. 878, ). (11) Support efforts to make large, interconnected financial institutions more accountable to taxpayers, depositors and investors, including support for Volcker rule, other too-big-to-fail and capital reforms. Oppose efforts to weaken that authority, including HR 797, which would weaken protections for municipal borrowers (12) Urge CFPB/DeptofEd and administration to support strong gainful employment rules for for-profit schools. (13) Support CFPB/DOE efforts to protect students from unfair private student loan practices. (14) Urge financial agencies and FTC to protect consumer privacy and to regulate Internet credit scoring models, data brokers and other practices involving the sale or mining of of consumer social networking and other information and regulate tracking of consumers. (15) Support efforts to establish anti-speculation Financial Transactions Tax (HR 880, S 410). (16) Oppose efforts to weaken investor protections, including under guise of implementing JOBS Act of 2012. (17) Support efforts to eliminate Deceptive Loan Checks (S 187); Urge that any cybersecurity legislation includes privacy protections in Title VII of S. 3414 (2012). (18) Urge CFPB to use authority to ensure private education lenders obtain school certification prior to disbursing private education loans and urge CFPB/DeptofEd to protect students. (19) Urge opposition to H.R. 1256, the so-called Swaps Jurisdiction Certainty Act and similar proposals to weaken CFTC authority. (20) Generally urge CFPB to implement strongest possible consumer protections, including to protect consumers from unfair pre-dispute arbitration agreements, from credit bureau mistakes, from fee-harvester credit cards, unfair debt collector practices, as well as strongest mortgage and foreclosure rules, etc. (21) Urge FTC to enact and enforce strong consumer rules on issues ranging from privacy to used car rules to debt collection and debt settlement firms. (22) Protect and enhance Durbin amendment limiting so-called merchant swipe or interchange fees on debit cards. (22) Support Freedom and Mobility in Consumer Banking Act, HR 3137 (Schakowsky) and S 1534 (Harkin). (23) Oppose HR 2538 to allow full file credit reporting without adequate safeguards.(24) Support HR 2998, Investor Choice Act to eliminate mandatory arbitration in investor disputes (Ellison). (25) Urge FTC to strengthen Telemarketing Sales Rule. (26) Urge Defense to strengthen Military Lending Act regarding Limitations on Terms of Consumer Credit Extended to Service Members and Dependents (27) Oppose S. 710, the so-called Municipal Advisors Relief Act of 2013. (28) Oppose oppose H.R. 2655, the so-called Lawsuit Abuse Reduction Act. (29) Support efforts by CFPB and prudential regulators to end discriminatory lending practices in the auto finance market that harm minority car buyers. (30) Support the Net Price Calculator Improvement Act for college student loan comparisons. (31) Urge bank regulators take further strong action to protect consumers and the payment system by stopping depository institutions and payment processors from facilitating electronic payments for illegal transactions, including illegal payday loans. (32) Urge CFPB to propose and enact strong, comprehensive rule regulating online and storefront payday and similar small-dollar loans. (33) Support legislation such as S.1654 the- Government Settlement Transparency and Reform Act and urge CFPB, DOJ, FTC, SEC and other agencies to include language in lawsuit settlements to prevent corporate wrongdoers from taking tax writeoffs on any penalties or restitution paid to Treasury or consumer-victims. Urge that these settlements be made public.

(1) Oppose efforts such as the REINS Act, S 15, to hamstring consumer health and safety agencies with layers of bureaucracy. Oppose a variety of similar bills designed to cripple agency rulemaking or impose duplicative brudensome requirements on independent agencies,including the Unfunded Mandates Information and Transparency Act (H.R. 899), the Sunshine for Regulatory Decrees and Settlements Act (H.R. 1493), the Regulatory Flexibility Improvements Act (RFIA) (H.R. 2542), the Regulatory Accountability Act (RAA) (H.R. 2122), the All Economic Regulations are Transparent (ALERT) Act (H.R. 2804), a package of several of these bills rolled together. (2) Urge Office of Management and Budget to complete their work on the delayed Department of Transportation (DOT) Enhancing Consumer Protections III rulemaking. (3) Urge FTC to enforce all privacy settlements, including Facebook "Sponsored Stories" settlement. (4) Urge FCC to protect privacy of CPNI. (5) Oppose efforts such as as H.R. 4106, the so-called Saving Lives, Saving Costs Act. to unwisely make it harder for consumer-victims to obtain redress for medical malpractice. Oppose any efforts to similarly immunize special interest wrongdoers by raising pleading standards, eliminating private rights of action or otherwise raising barriers to justice.

1) Oppose efforts such as the REINS Act, S 15, to hamstring consumer health and safety agencies with layers of bureaucracy. (2) urge Office of Management and Budget to complete their work onthe delayed Department of Transportation (DOT) Enhancing Consumer Protections III rulemaking. (3) Urge FTC to enforce all privacy settlements, including Facebook "Sponsored Stories" settlement. (4) Urge FCC to protect privacy of CPNI.

Oppose efforts in trade treaties and legislation, including activities under the Transatlantic Economic Council (TEC) or through any Transatlantic Free Trade Area (TAFTA) or Transatlantic Trade and Investment Partnership (TTIP) that would scuttle strong consumer health, safety, privacy, and pocketbook protections in favor of weaker rules or grant corporations unacceptable powers.

Oppose efforts in trade treaties & legislation, including activities under the Transatlantic Economic Council (TEC) or through any Transatlantic Free Trade Area (TAFTA) or Transatlantic Trade & Investment Partnership (TPIP) that would scuttle strong consumer health, safety, privacy, & pocketbook protections in favor of weaker rules. Oppose efforts to preempt or harmonize local, state or federal laws. Oppose efforts to establish any investor-state dispute tribunal. Support strongest possible transparency in trade negotiations.

Oppose efforts such as the REINS Act, S 15, to hamstring consumer health and safety agencies with layers of bureaucracy. HR 10, HR 3010, HR 527, S3468

EU and US trade agreement. Oppose efforts in trade treaties and legislation, including activities under the Transatlantic Economic Council (TEC) or through any Transatlantic Free Trade Area (TAFTA) or Transatlantic Trade and Investment Partnership (TPIP) that would scuttle strong consumer health, safety, privacy, and pocketbook protections in favor of weaker rules or grant corporations unacceptable powers.Oppose efforts to preempt or harmonize local or state or federal laws. Oppose efforts to establish any investor-state dispute tribunal. Support strongest possible transparency in trade negotiations.

Drug safety - FDA and HELP committee and Energy and Commerce. Oppose efforts such as the REINS Act, S 15, to hamstring consumer health and safety agencies with layers of bureaucracy.

Support efforts to make consumer bankruptcy laws fairer, including elimination of medical debts on credit reports (S 160) and similar House proposals) and support efforts to remove private student loans from permanent credit reporting (eliminate inability to discharge them in bankruptcy) (HR 532, S 114).

1) Oppose efforts such as the REINS Act, S 15, to hamstring consumer health and safety agencies with layers of bureaucracy. (2) urge Office of Management and Budget to complete their work onthe delayed Department of Transportation (DOT) Enhancing Consumer Protections III rulemaking. (3) Urge FTC to enforce all privacy settlements, including Facebook "Sponsored Stories" settlement. (4) Urge FCC to protect privacy of CPNI.

(1) Support efforts to make consumer bankruptcy laws fairer, including elimination of medical debts on credit reports (S 160) and similar House proposals) and support efforts to remove private student loans from permanent credit reporting (eliminate inability to discharge them in bankruptcy) (HR 532, S 114). (2) Oppose H.R. 982, the "Furthering Asbestos Claim Transparency Act" or FACT Act.

Oppose efforts in trade treaties and legislation, including activities under the Transatlantic Economic Council (TEC) or through any Transatlantic Free Trade Area (TAFTA) or Transatlantic Trade and Investment Partnership (TTIP) that would scuttle strong consumer health, safety, privacy, and pocketbook protections in favor of weaker rules or grant corporations unacceptable powers.

Oppose efforts in trade treaties and legislation, including activities under the Transatlantic Economic Council (TEC) or through any Transatlantic Free Trade Area (TAFTA) or Transatlantic Trade and Investment Partnership (TPIP) that would scuttle strong consumer health, safety, privacy, and pocketbook protections in favor of weaker rules or grant corporations unacceptable powers. Oppose efforts to preempt or harmonize local or state or federal laws. Oppose efforts to establish any any investor-state dispute tribunal.Support strongest possible transparency in trade negotiations.

Drug safety - FDA and HELP committee and Energy and Commerce. Oppose efforts such as the REINS Act, S 15, to hamstring consumer health and safety agencies with layers of bureaucracy.

Oppose efforts such as the REINS Act, S 15, to hamstring consumer health and safety agencies with layers of bureaucracy. HR 10, HR 3010, HR 527, S3468

Support efforts to make consumer bankruptcy laws fairer, including elimination of medical debts on credit reports (S 160) and similar House proposals) and support efforts to remove private student loans from permanent credit reporting (eliminate inability to discharge them in bankruptcy) (HR 532, S 114).

Oppose efforts in trade treaties & legislation, including activities under the Transatlantic Economic Council (TEC) or through any Transatlantic Free Trade Area (TAFTA) or Transatlantic Trade & Investment Partnership (TPIP) that would scuttle strong consumer health, safety, privacy, & pocketbook protections in favor of weaker rules. Oppose efforts to preempt or harmonize local, state or federal laws. Oppose efforts to establish any investor-state dispute tribunal.Support strongest possible transparency in trade negotiations.

Oppose legislation to impose cost-benefit analysis or other administrative burdens on agencies, including S. 3468, S 1606, S 2373, S 299, HR 2308, HR 3010, HR 10 and similar bills. Campaign Finance Reform.

Supported efforts to implement 2008 Consumer Product Safety Commission Improvement Act, which added resources, regulated dangerous and/or toxic products. Opposed Pompeo (KS) amendment to weaken its database. Miscellaneous other support for consumer safety protection as needed. Support strong CPSC rules, including crib safety and database. Supported strong food/product safety rules in EU/US trade negotiations. OTHER ACTIVITIES: Supported various efforts to protect consumers from unfair business or marketplace practices by signing letters, lobbying or commenting on various proposals: 1) Mandatory Arbitration: Support (letters) to ban mandatory arbitration in consumer laws, including support for Arbitration Fairness Act, HR 1873, S 987. 2) Supported aspects of Federal Aviation Administration reforms pertaining to Airline Passengers Bill of Rights. 2) Support strong enforcement of antitrust laws including specific opposition to MEDCO merger and CVS Caremark mergers, 3) Urged support for legislation to overturn Supreme Court in Leegin, reinstating ban on resale price maintenance. 4) Opposed aspects of HR 326, Stop Online Piracy Act and similar legislation. (5) Generally oppose all efforts to weaken consumer legal rights, such as Gosar amendment to HR 5 to eliminate certain consumer class action rights. (6) support efforts to strnegthen consumer legal rights, such as Markey (HR1120) bill to improve consumer disclosure of travel safety risks. PRIVACY: Support efforts to ensure that federal law provides consumers with strong privacy protection, prevents identity theft, and holds companies and government agencies accountable when they lose consumer data. Support includes lobbying, letters, and communications as necessary. Filed comments to FTC and Department of Commerce on proposed privacy regimes. No formal position yet on some proposed Internet privacy and data breach bills, but strongly oppose concepts that legalize current invasive practices, preempt state laws, fail to provide adequate eforcement for consumers. Support do not track and reforms based on Fair Information Practices. Product safety toys and products for children. Work on anti-regulatory bills on the house and senate side that will weaken public health protections.

1) Support efforts to protect consumer housing, mortgage renegotiation and foreclosure protections. Restructure Mortgages in Bankruptcy and add foreclosure protections: Provided comments to hill, signed letters, lobbied on all aspects of legislation and proposed regulations pertaining to reform. Significant provisions added as Title 14 of Wall Street Reform and Consumer Protection Act. Support strongest versions of HR 2086/S 2049, Medical Debt Relief Act. Oppose HR 6363 to weaken FCRA.

1) Support efforts to protect consumer housing, mortgage renegotiation and foreclosure protections. Restructure Mortgages in Bankruptcy and add foreclosure protections: Provided comments to hill, signed letters, lobbied on all aspects of legislation and proposed regulations pertaining to reform. Significant provisions added as Title 14 of Wall Street Reform and Consumer Protection Act. Support strongest versions of HR 2086/S 2049, Medical Debt Relief Act. Oppose HR 6363 to weaken FCRA.

H.R. 2517, S 1360 1)Reform Financial Services Regulation. Provided comments to hill and administrative agencies -- signed letters, lobbied on all aspects of legislation and proposed regulations pertaining to implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act which had become law 21 July 2010. Oppose all rollback legislation including Bachmann (HR 87), Moran (S 737), Shelby (S 746 and S 1615), DeMint (S 712) Bachus (HR 1121), Duffy (HR 1315), Capito ( HR1667) and any similar bills 2) Emphasis on opposing Congressional efforts to weaken Title 10 of Dodd-Frank, its establishment of the Consumer Financial Protection Bureau. Oppose efforts in HR 1 and any other appropriations bills to weaken budget or eliminate independence of CFPB, CFTC and SEC. 2) Support various efforts re consumer and transparency protections in various CFPB and other regulations including gift cards, credit cards, overdraft fees, credit bureaus, debt collectors, mortgages before Federal Reserve and all other financial agencies. 3) Support Durbin interchange fee amendment in Dodd-Frank through comments to Federal Reserve and letters to hill opposing repeal/delay. Oppose bills such as Tester (S 575) to delay Durbin. 4) oppose efforts to legalize predatory lending, suchas rent to own proposals from Canseco (HR 1588) and Landrieu (S. 881) 5) Oppose efforts to weaken other investor protection reforms, such as HR 1062 (Hayworth) and HR 1573 (Lucas) and HR 2308 (Garrett) (6) Support efforts to increase consumer protection in international financial services treaty and trade negotiations. (7) Oppose HR 3606, the Jumpstart Our Business Startups (JOBS) Act; supported Senate efforts (Merkley, Levin, Landrieu) to improve bill, oppose similar capital formation bills that weaken investor protections, urge SEC to improve law through rules. 8) Oppose HR 4367/S3204 to eliminate ATM signage notices. 9) Support efforts to strengthen Military Lending Act of 2007 (amt. to S 3254 this year). 10) Oppose HR 1909, HR 6139 and any similar bills to create federal non-bank OCC charter for high-cost paydyal lenders and similar firms, preempting authority of states and the CFPB. 11) Oppose HR 4101 to weaken debt collection rights.

H.R. 2517, S 1360 1)Reform Financial Services Regulation. Provided comments to hill and administrative agencies -- signed letters, lobbied on all aspects of legislation and proposed regulations pertaining to implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act which had become law 21 July 2010. Oppose all rollback legislation including Bachmann (HR 87), Moran (S 737), Shelby (S 746 and S 1615), DeMint (S 712) Bachus (HR 1121), Duffy (HR 1315), Capito ( HR1667) and any similar bills 2) Emphasis on opposing Congressional efforts to weaken Title 10 of Dodd-Frank, its establishment of the Consumer Financial Protection Bureau. Oppose efforts in HR 1 and any other appropriations bills to weaken budget or eliminate independence of CFPB, CFTC and SEC. 2) Support various efforts re consumer and transparency protections in various CFPB and other regulations including gift cards, credit cards, overdraft fees, credit bureaus, debt collectors, mortgages before Federal Reserve and all other financial agencies. 3) Support Durbin interchange fee amendment in Dodd-Frank through comments to Federal Reserve and letters to hill opposing repeal/delay. Oppose bills such as Tester (S 575) to delay Durbin. 4) oppose efforts to legalize predatory lending, suchas rent to own proposals from Canseco (HR 1588) and Landrieu (S. 881) 5) Oppose efforts to weaken other investor protection reforms, such as HR 1062 (Hayworth) and HR 1573 (Lucas) and HR 2308 (Garrett) (6) Support efforts to increase consumer protection in international financial services treaty and trade negotiations. (7) Oppose HR 3606, the Jumpstart Our Business Startups (JOBS) Act; supported Senate efforts (Merkley, Levin, Landrieu) to improve bill, oppose similar capital formation bills that weaken investor protections, urge SEC to improve law through rules. 8) Oppose HR 4367/S3204 to eliminate ATM signage notices. 9) Support efforts to strengthen Military Lending Act of 2007 (amt. to S 3254 this year). 10) Oppose HR 1909, HR 6139 and any similar bills to create federal non-bank OCC charter for high-cost paydyal lenders and similar firms, preempting authority of states and the CFPB. 11) Oppose HR 4101 to weaken debt collection rights.

1) Support efforts to protect consumer housing, mortgage renegotiation and foreclosure protections. Restructure Mortgages in Bankruptcy and add foreclosure protections: Provided comments to hill, signed letters, lobbied on all aspects of legislation and proposed regulations pertaining to reform. Significant provisions added as Title 14 of Wall Street Reform and Consumer Protection Act. Support strongest versions of HR 2086/S 2049, Medical Debt Relief Act. Oppose HR 6363 to weaken FCRA.

1) Support efforts to protect consumer housing, mortgage renegotiation and foreclosure protections. Restructure Mortgages in Bankruptcy and add foreclosure protections: Provided comments to hill, signed letters, lobbied on all aspects of legislation and proposed regulations pertaining to reform. Significant provisions added as Title 14 of Wall Street Reform and Consumer Protection Act. Support strongest versions of HR 2086/S 2049, Medical Debt Relief Act

Supported efforts to implement 2008 Consumer Product Safety Commission Improvement Act, which added resources, regulated dangerous and/or toxic products. Opposed Pompeo (KS) amendment to weaken its database. Miscellaneous other support for consumer safety protection as needed. Support strong CPSC rules, including crib safety and database. PRIVACY: Support efforts to ensure that federal law provides consumers with strong privacy protection, prevents identity theft, and holds companies and government agencies accountable when they lose consumer data. Support includes lobbying, letters, and communications as necessary. Filed comments to FTC and Department of Commerce on proposed privacy regimes. No formal position yet on some proposed Internet privacy and data breach bills, but strongly oppose concepts that legalize current invasive practices, preempt state laws, fail to provide adequate eforcement for consumers. Support do not track and reforms based on Fair Information Practices. OTHER ACTIVITIES: Supported various efforts to protect consumers from unfair business or marketplace practices by signing letters, lobbying or commenting on various proposals: 1) Mandatory Arbitration: Support (letters) to ban mandatory arbitration in consumer laws, including support for Arbitration Fairness Act. 2) Supported aspects of Federal Aviation Administration reforms pertaining to Airline Passengers Bill of Rights including testimony to new DOT Advisory Committee on Aviation Consumer Protection (28 June 2012) 2) Support strong enforcement of antitrust laws including specific opposition to MEDCO merger and CVS Caremark mergers, 3) Urged support for legislation to overturn Supreme Court in Leegin, reinstating ban on resale price maintenance. 4) Opposed aspects of HR 326, Stop Online Piracy Act and similar legislation. (5) Generally oppose all efforts to weaken consumer legal rights, such as Gosar amendment to HR 5 to eliminate certain consumer class action rights. (6) support efforts to strnegthen consumer legal rights, such as Markey (HR1120) bill to improve consumer disclosure of travel safety risks. Example: HR 10, HR 3010, HR 527

1)Reform Financial Services Regulation. Provided comments to hill and administrative agencies -- signed letters, lobbied on all aspects of legislation and proposed regulations pertaining to implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act which had become law 21 July 2010. Oppose all rollback legislation including Bachmann (HR 87), Moran (S 737), Shelby (S 746), DeMint (S 712) Bachus (HR 1121), Duffy (HR 1315), Capito ( HR1667) and any similar bills. 2) Emphasis on opposing Congressional efforts to weaken Title 10 of Dodd-Frank, its establishment of the Consumer Financial Protection Bureau. Oppose efforts in HR 1 and any other appropriations bills to weaken budget of CFPB, CFTC and SEC. 2) Support various efforts re consumer and transparency protections in various regulations including gift cards, credit cards, overdraft fees, mortgages before Federal Reserve and all other financial agencies. 3) Support Durbin interchange fee amendment in Dodd-Frank through comments to Federal Reserve and letters to hill opposing repeal/delay. Oppose bills such as Tester (S 575) to delay Durbin. 4) oppose efforts to legalize predatory lending, suchas rent to own proposals from Canseco (HR 1588) and Landrieu (S. 881) 5) Oppose efforts to weaken other investor protection reforms, such as HR 1062 (Hayworth) and HR 1573 (Lucas) (6) Support efforts to increase consumer protection in international financial services treaty and trade negotiations.

1) Support efforts to protect consumer housing, mortgage renegotiation and foreclosure protections. Restructure Mortgages in Bankruptcy and add foreclosure protections: Provided comments to hill, signed letters, lobbied on all aspects of legislation and proposed regulations pertaining to reform. Significant provisions added as Title 14 of Wall Street Reform and Consumer Protection Act.

1)Reform Financial Services Regulation. Provided comments to hill and administrative agencies -- signed letters, lobbied on all aspects of legislation and proposed regulations pertaining to implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act which had become law 21 July 2010. Oppose all rollback legislation including Bachmann (HR 87), Moran (S 737), Shelby (S 746), DeMint (S 712) Bachus (HR 1121), Duffy (HR 1315), Capito ( HR1667) and any similar bills. 2) Support various efforts re consumer and transparency protections in various regulations including gift cards, credit cards, overdraft fees, mortgages before Federal Reserve and all other financial agencies. 3) Support Durbin interchange fee amendment in Dodd-Frank through comments to Federal Reserve and letters to hill opposing repeal/delay. Oppose bills such as Tester (S 575) to delay Durbin. 4) oppose efforts to legalize predatory lending, suchas rent to own proposals from Canseco (HR 1588) and Landrieu (S. 881) 5) Oppose efforts to weaken other investor protection reforms, such as HR 1062 (Hayworth) and HR 1573 (Lucas) (6) Support efforts to increase consumer protection in international financial services treaty and trade negotiations. Dodd-Frank defense including defense of the CFPB and other provisions

Support efforts to protect consumer housing, mortgage renegotiation and foreclosure protections. Restructure Mortgages in Bankruptcy and add foreclosure protections: Provided comments to hill, signed letters, lobbied on all aspects of legislation and proposed regulations pertaining to reform. Significant provisions added as Title 14 of Wall Street Reform and Consumer Protection Act.

Supported efforts to implement 2008 Consumer Product Safety Commission Improvement Act, which added resources, regulated dangerous and/or toxic products. Provided comments to hill, signed letters, lobbied on all aspects of legislation and proposed regulations pertaining to reform. Testified in previous quarters. Specific new law is PL 110-314 (HR 4040, Consumer Product Safety Modernization Act). 2) Supported efforts, Medical Device Safety Act (S. 540, HR 1346) to overturn Supreme Court decision in Riegel v. Medtronic limiting state common law remedies against certain medical device manufacturers. 3) Broadly support all other efforts to preserve consumer private rights of action and to oppose preemption of stronger state consumer financial or health and safety laws. 4) Supported Representative Weiners amendment to H.R. 3200, Americas Affordable Health Choices Act of 2009, to require transparency by pharmacy benefit managers (PBMs) who contract with health plans in the national insurance exchange or with the public plan. OTHER ACTIVITIES: Supported various efforts to protect consumers from unfair business or marketplace practices by signing letters, lobbying or commenting on various proposals: 1) Mandatory Arbitration: Support (letters) for HR 1020, the Arbitration Fairness Act to ban mandatory arbitration in consumer laws. 2) Opposed (letter) S. 202 and S. 164, the "Passenger Vehicle Loss Disclosure Act of 2009" 3) Letters limited to opposition to elimination of inequitable conduct defense in the Patent Reform Act (S 515, HR 1260), to encourage generic substitutes for brand name pharmaceuticals. 4) Opposition to the Consumer Rental Purchase Agreement Act, S 738, HR 1744, which would legalize unfair practices of predatory rent to own stores. 5) Supported aspects of Federal Aviation Administration reforms pertaining to Airline Passengers Bill of Rights (HR 915, FAA Reauthorization and S. 213 (Boxer-Snowe). 5) Support strong enforcement of antitrust laws, including opposition to merger of Ticketmaster and LiveNation (testimony in House in previous quarter). Supported DOJ action against Mastercard and Visa re credit card fees. 6) Signed letters to White House urging amendments to GM/Chrysler bankruptcy negotiations to reinstate compensation rights of injured victims. 7) Supported variety of efforts, including Equal Employment for All Act (Cohen, House) to amend Fair Credit Reporting Act. 7) Urged support for legislation (not yet filed) to overturn Supreme Court in Leegin, reinstating ban on resale price maintenance. 8) Opposed aspects of Chrysler car company bankruptcy negotiations with administration that limited crash victim rights. 9) Supported Congressional efforts to overturn limits on oil company spill liability. PRIVACY: Support efforts to ensure that federal law provides consumers with strong privacy protection, prevents identity theft, and holds companies and government agencies accountable when they lose consumer data. Support includes lobbying, letters, and communications as necessary. Support HR 2221 in part/oppose in part. 2) Testified on Internet privacy on 22 July 2010 on HR 5777 (Rush) and a discussion draft (Boucher) on notice and consent on Internet-- supported in part/opposed in part.

Supported efforts to implement new Consumer Product Safety Commission Improvement Act, add resources, regulate dangerous and/or toxic products. Provided comments to hill, signed letters, lobbied on all aspects of legislation and proposed regulations pertaining to reform. Testified in previous quarters. Specific new law is PL 110-314 (HR 4040, Consumer Product Safety Modernization Act). 2) Supported efforts, Medical Device Safety Act (S. 540, HR 1346) to overturn Supreme Court decision in Riegel v. Medtronic limiting state common law remedies against certain medical device manufacturers. 3) Broadly support all other efforts to preserve consumer private rights of action and to oppose preemption of stronger state consumer financial or health and safety laws. 4) Supported Representative Weiners amendment to H.R. 3200, Americas Affordable Health Choices Act of 2009, to require transparency by pharmacy benefit managers (PBMs) who contract with health plans in the national insurance exchange or with the public plan. OTHER ACTIVITIES: Supported various efforts to protect consumers from unfair business or marketplace practices by signing letters, lobbying or commenting on various proposals: 1) Mandatory Arbitration: Support (letters) for HR 1020, the Arbitration Fairness Act to ban mandatory arbitration in consumer laws. 2) Opposed (letter) S. 202 and S. 164, the "Passenger Vehicle Loss Disclosure Act of 2009" 3) Letters limited to opposition to elimination of inequitable conduct defense in the Patent Reform Act (S 515, HR 1260), to encourage generic substitutes for brand name pharmaceuticals. 4) Opposition to the Consumer Rental Purchase Agreement Act, S 738, HR 1744, which would legalize unfair practices of predatory rent to own stores. 5) Supported aspects of Federal Aviation Administration reforms pertaining to Airline Passengers Bill of Rights (HR 915, FAA Reauthorization and S. 213 (Boxer-Snowe). 5) Support strong enforcement of antitrust laws, including opposition to merger of Ticketmaster and LiveNation (testimony in House in previous quarter). Supported DOJ action against Mastercard and Visa re credit card fees. 6) Signed letters to White House urging amendments to GM/Chrysler bankruptcy negotiations to reinstate compensation rights of injured victims. 7) Supported variety of efforts, including Equal Employment for All Act (Cohen, House) to amend Fair Credit Reporting Act. 7) Urged support for legislation (not yet filed) to overturn Supreme Court in Leegin, reinstating ban on resale price maintenance. 8) Opposed aspects of Chrysler car company bankruptcy negotiations with administration that limited crash victim rights. 9) Supported Congressional efforts to overturn limits on oil company spill liability. PRIVACY: Support efforts to ensure that federal law provides consumers with strong privacy protection, prevents identity theft, and holds companies and government agencies accountable when they lose consumer data. Support includes lobbying, letters, and communications as necessary. Support HR 2221 in part/oppose in part. 2) Testified on Internet privacy on 22 July 2010 on HR 5777 (Rush) and a discussion draft (Boucher) on notice and consent on Internet-- supported in part/opposed in part.

1) Restructure Mortgages in Bankruptcy and add foreclosure protections: Provided comments to hill, signed letters, lobbied on all aspects of legislation and proposed regulations pertaining to reform. Significant provisions added as Title 14 of HR 4173. Supported efforts to enact strongest possible provisions to allow bankruptcy judges to restructure first mortgages. Bills included S 61, HR 200 and HR 1106. 2) Support efforts to repeal/amend 2005 bankruptcy law (PL 109-8) restrictions on consumer rights. Previous testimony in House (House Judiciary) on credit cards and bankruptcy.

Supported efforts to implement new Consumer Product Safety Commission Improvement Act, add resources, regulate dangerous and/or toxic products. Provided comments to hill, signed letters, lobbied on all aspects of legislation and proposed regulations pertaining to reform. Testified in previous quarters. Specific new law is PL 110-314 (HR 4040, Consumer Product Safety Modernization Act). 2) Supported efforts, Medical Device Safety Act (S. 540, HR 1346) to overturn Supreme Court decision in Riegel v. Medtronic limiting state common law remedies against certain medical device manufacturers. 3) Broadly support all other efforts to preserve consumer private rights of action and to oppose preemption of stronger state consumer financial or health and safety laws. 4) Supported Representative Weiners amendment to H.R. 3200, Americas Affordable Health Choices Act of 2009, to require transparency by pharmacy benefit managers (PBMs) who contract with health plans in the national insurance exchange or with the public plan. OTHER ACTIVITIES: Supported various efforts to protect consumers from unfair business or marketplace practices by signing letters, lobbying or commenting on various proposals: 1) Mandatory Arbitration: Support (letters) for HR 1020, the Arbitration Fairness Act to ban mandatory arbitration in consumer laws. 2) Opposed (letter) S. 202 and S. 164, the "Passenger Vehicle Loss Disclosure Act of 2009" 3) Letters limited to opposition to elimination of inequitable conduct defense in the Patent Reform Act (S 515, HR 1260), to encourage generic substitutes for brand name pharmaceuticals. 4) Opposition to the Consumer Rental Purchase Agreement Act, S 738, HR 1744, which would legalize unfair practices of predatory rent to own stores. 5) Supported aspects of Federal Aviation Administration reforms pertaining to Airline Passengers Bill of Rights (HR 915, FAA Reauthorization and S. 213 (Boxer-Snowe) 5) Support strong enforcement of antitrust laws, including opposition to merger of Ticketmaster and LiveNation (testimony in House in previous quarter). 6) Signed letters to White House urging amendments to GM/Chrysler bankruptcy negotiations to reinstate compensation rights of injured victims. 7) Supported variety of efforts, including Equal Employment for All Act (Cohen, House) to amend Fair Credit Reporting Act. 7) Urged support for legislation (not yet filed) to overturn Supreme Court in Leegin, reinstating ban on resale price maintenance. 8) Opposed aspects of Chrysler car company bankruptcy negotiations with administration that limited crash victim rights. PRIVACY: Support efforts to ensure that federal law provides consumers with strong privacy protection, prevents identity theft, and holds companies and government agencies accountable when they lose consumer data. Support includes lobbying, letters, and communications as necessary. Support HR 2221 in part/oppose in part. Consumer Product Safety Modernization Act (PL 110-314)

Transparency in the Federal Reserve; 1) Reform Credit Card Practices. Provided comments to hill, signed letters, lobbied on all aspects of legislation and proposed regulations pertaining to reform of unfair practices of credit card industry. Bills include S 414, Credit CARD Act; HR 627, Credit Cardholders Bill of Rights Act, which became law. (As part of HR 627, unsuccessfully supported efforts to make interchange fees fairer and extend bill to include small business owners.) 2) Reform Mortgage Practices and Reform Financial Services Regulation. Provided comments to hill, signed letters, testified, lobbied on all aspects of legislation and proposed regulations pertaining to reform of mortgage and predatory lending. Bills included HR 1728 and HR 1782 on mortgage reform, supporting in part and opposing in part. 3) Provided comments to hill, signed letters, testified, lobbied on all aspects of legislation and proposed regulations pertaining to reform of financial industry by establishment of Financial Product Safety Commission, S. 566 and HR 1705 and renamed Consumer Financial Protection Agency (HR 3126) and other reforms to expand prudential regulation and improve safety net including the Wall Street Reform and Consumer Protection Act--HR 4173 and the (unnumbered) Dodd companion bill in the Senate, Restoring American Financial Stabiity Act. 4) Support efforts against unfair bank fees, including support for HR 1456, the Consumer Overdraft Protection Fair Practices Act (testified in House in March 2009). 5) Support reinstatement of federal usury ceilings on financial transactions (S. 500/HR 1608). 6) Support efforts to implement strong consumer and transparency protections in regulations and enforcement of the Emergency Economic Stabilization Act (HR 1424-Division A, became PL 110-343) and related bills. Supported bills including HR 384 and S 195 to reform the Troubled Asset Relief Program (TARP) and other programs established either by EESA or by federal regulators concerning financial reform and bailout funding. These and other similar bills would restore original purposes of bailout funds, increase transparency, limit executive compensation, grant greater authority to oversight agencies, etc. 7) Supported Section 626 of HR 1105 (Omnibus Appropriations) to grant greater authority to FTC and state attorneys general to better protect consumers against financial fraud and impose greater sanctions against wrongdoers. 8) urged administration/DOJ to support state causes of actions/state attorneys general enforcement authority in various state and federal cases including Cuomo vs. Clearinghouse and OCC. Testified in March 2010 before Senate Commerce Committee in support of stronger FTC authority in these areas. 8) In various fora, urged administration, State and USTR to support international financial rules as floor not ceiling of consumer protection; 9) Support S 1595, Deceptive Loan Check Elimination Act.

Federak Reseve tranperancy; HR 2492, To amend the Internal Revenue Code of 1986 to exclude from gross income discharges of student loans the repayment of which is income contingent or income based, all provisions. 1) Reform Credit Card Practices. Provided comments to hill, signed letters, lobbied on all aspects of legislation and proposed regulations pertaining to reform of unfair practices of credit card industry. Bills include S 414, Credit CARD Act; HR 627, Credit Cardholders Bill of Rights Act, which became law. (As part of HR 627, unsuccessfully supported efforts to make interchange fees fairer and extend bill to include small business owners.) Testified in support (9 Oct) of H.R. 2382, the Credit Card Interchange Fees Act of 2009. 2) Reform Mortgage Practices and Reform Financial Services Regulation. Provided comments to hill, signed letters, testified, lobbied on all aspects of legislation and proposed regulations pertaining to reform of mortgage and predatory lending. Bills included HR 1728 and HR 1782 on mortgage reform, supporting in part and opposing in part. 3) Provided comments to hill, signed letters, testified, lobbied on all aspects of legislation and proposed regulations pertaining to reform of financial industry by establishment of Financial Product Safety Commission, S. 566 and HR 1705 and renamed Consumer Financial Protection Agency (HR 3126) and other reforms to expand prudential regulation and improve safety net including the Wall Street Reform and Consumer Protection Act--HR 4173. 4) Support efforts against unfair bank fees, including support for HR 1456, the Consumer Overdraft Protection Fair Practices Act (testified in House in March). 5) Support reinstatement of federal usury ceilings on financial transactions (S. 500/HR 1608). 6) Support efforts to implement strong consumer and transparency protections in regulations and enforcement of the Emergency Economic Stabilization Act (HR 1424-Division A, became PL 110-343) and related bills. Supported bills including HR 384 and S 195 to reform the Troubled Asset Relief Program (TARP) and other programs established either by EESA or by federal regulators concerning financial reform and bailout funding. These and other similar bills would restore original purposes of bailout funds, increase transparency, limit executive compensation, grant greater authority to oversight agencies, etc. 7) Supported Section 626 of HR 1105 (Omnibus Appropriations) to grant greater authority to FTC and state attorneys general to better protect consumers against financial fraud and impose greater sanctions against wrongdoers. 8) urged administration/DOJ to support state causes of actions/state attorneys general enforcement authority in various state and federal cases including Cuomo vs. Clearinghouse and OCC. 8) In various fora, urged administration, State and USTR to support international financial rules as floor not ceiling of consumer protection; 9) Support S 1595, Deceptive Loan Check Elimination Act.

1) Restructure Mortgages in Bankruptcy: Provided comments to hill, signed letters, lobbied on all aspects of legislation and proposed regulations pertaining to reform. Supported efforts to enact strongest possible provisions to allow bankruptcy judges to restructure first mortgages. Bills included S 61, HR 200 and HR 1106. 2) Support efforts to repeal/amend 2005 bankruptcy law (PL 109-8) restrictions on consumer rights. Testimony in House. 3) Testified at oversight hearing (House Judiciary) on credit cards and bankruptcy.

HR 2492, To amend the Internal Revenue Code of 1986 to exclude from gross income discharges of student loans the repayment of which is income contingent or income based, all provisions. Ending the use of offshore tax havens. Transparency in the Federal Reserve. 1) Reform Credit Card Practices. Provided comments to hill, signed letters, lobbied on all aspects of legislation and proposed regulations pertaining to reform of unfair practices of credit card industry. Bills include S 414, Credit CARD Act; HR 627, Credit Cardholders Bill of Rights Act, which became law. (As part of HR 627, unsuccessfully supported efforts to make interchange fees fairer and extend bill to include small business owners.) 2) Reform Mortgage Practices and Reform Financial Services Regulation. Provided comments to hill, signed letters, testified, lobbied on all aspects of legislation and proposed regulations pertaining to reform of mortgage and predatory lending. Bills included HR 1728 and HR 1782 on mortgage reform, supporting in part and opposing in part. 3) Provided comments to hill, signed letters, testified, lobbied on all aspects of legislation and proposed regulations pertaining to reform of financial industry by establishment of Financial Product Safety Commission, S. 566 and HR 1705 and renamed Consumer Financial Protection Agency (HR 3126) and other reforms to expand prudential regulation and improve safety net. 4) Support efforts against unfair bank fees, including support for HR 1456, the Consumer Overdraft Protection Fair Practices Act (testified in House in March). 5) Support reinstatement of federal usury ceilings on financial transactions (S. 500/HR 1608). 6) Support efforts to implement strong consumer and transparency protections in regulations and enforcement of the Emergency Economic Stabilization Act (HR 1424-Division A, became PL 110-343) and related bills. Supported bills including HR 384 and S 195 to reform the Troubled Asset Relief Program (TARP) and other programs established either by EESA or by federal regulators concerning financial reform and bailout funding. These and other similar bills would restore original purposes of bailout funds, increase transparency, limit executive compensation, grant greater authority to oversight agencies, etc. 7) Supported Section 626 of HR 1105 (Omnibus Appropriations) to grant greater authority to FTC and state attorneys general to better protect consumers against financial fraud and impose greater sanctions against wrongdoers. 8) urged administration/DOJ to support state causes of actions/state attorneys general enforcement authority in various state and federal cases including Cuomo vs. Clearinghouse and OCC. 8) In various fora, urged administration, State and USTR to support international financial rules as floor not ceiling of consumer protection; 9) Support S 1595, Deceptive Loan Check Elimination Act.

1) Restructure Mortgages in Bankruptcy: Provided comments to hill, signed letters, lobbied on all aspects of legislation and proposed regulations pertaining to reform. Supported efforts to enact strongest possible provisions to allow bankruptcy judges to restructure first mortgages. Bills included S 61, HR 200 and HR 1106. 2) Support efforts to repeal/amend 2005 bankruptcy law (PL 109-8) restrictions on consumer rights. Testimony in House. 3) Testified at oversight hearing (House Judiciary) on credit cards and bankruptcy. 4) Creation of legislation to change 2006 Bankruptcy Laws which prevent dischargability of private student loans.

1) Restructure Mortgages in Bankruptcy: Provided comments to hill, signed letters, lobbied on all aspects of legislation and proposed regulations pertaining to reform. Supported efforts to enact strongest possible provisions to allow bankruptcy judges to restructure first mortgages. Bills included S 61, HR 200 and HR 1106. 2) Support efforts to repeal/amend 2005 bankruptcy law (PL 109-8) restrictions on consumer rights. Testimony in House. 3) Testified at oversight hearing (House Judiciary) on credit cards and bankruptcy.

Supported efforts to implement new Consumer Product Safety Commission Improvement Act, add resources, regulate dangerous and/or toxic products. Provided comments to hill, signed letters, lobbied on all aspects of legislation and proposed regulations pertaining to reform. Testified in previous quarters. Specific new law is PL 110-314 (HR 4040, Consumer Product Safety Modernization Act). 2) Supported efforts, Medical Device Safety Act (S. 540, HR 1346) to overturn Supreme Court decision in Riegel v. Medtronic limiting state common law remedies against certain medical device manufacturers. 3) Broadly support all other efforts to preserve consumer private rights of action and to oppose preemption of stronger state consumer financial or health and safety laws. OTHER ACTIVITIES: Supported various efforts to protect consumers from unfair business or marketplace practices by signing letters, lobbying or commenting on various proposals: 1) Mandatory Arbitration: Support (letters) for HR 1020, the Arbitration Fairness Act to ban mandatory arbitration in consumer laws. 2) Opposed (letter) S. 202 and S. 164, the "Passenger Vehicle Loss Disclosure Act of 2009" 3) Letters limited to opposition to elimination of inequitable conduct defense in the Patent Reform Act (S 515, HR 1260), to encourage generic substitutes for brand name pharmaceuticals. 4) Opposition to the Consumer Rental Purchase Agreement Act, S 738, HR 1744, which would legalize unfair practices of predatory rent to own stores. 5) Supported aspects of Federal Aviation Administration reforms pertaining to Airline Passengers Bill of Rights (HR 915, FAA Reauthorization) 6) Support strong enforcement of antitrust laws, including opposition to merger of Ticketmaster and LiveNation (testimony in House in previous quarter). 7) Signed letters to White House urging amendments to GM/Chrysler bankruptcy negotiations to reinstate compensation rights of injured victims. 8) Supported variety of efforts, including Equal Employment for All Act (Cohen, House) to amend Fair Credit Reporting Act. 9) Urged support for legislation (not yet filed) to overturn Supreme Court in Leegin, reinstating ban on resale price maintenance. PRIVACY: Support efforts to ensure that federal law provides consumers with strong privacy protection, prevents identity theft, and holds companies and government agencies accountable when they lose consumer data. Support includes lobbying, letters, and communications as necessary. Support HR 2221 in part/oppose in part.

1) Reform Credit Card Practices. Provided comments to hill, signed letters, lobbied on all aspects of legislation and proposed regulations pertaining to reform of unfair practices of credit card industry. Testified in House. Bills include S 414, Credit CARD Act; HR 627, Credit Cardholders Bill of Rights Act; 2) Reform Mortgage Practices and Reform Financial Services Regulation. Provided comments to hill, signed letters, lobbied on all aspects of legislation and proposed regulations pertaining to reform of mortgage and predatory lending. Bills included HR 1728 and HR 1782 on mortgage reform, supporting in part and opposing in part. 3) Provided comments to hill, signed letters, lobbied on all aspects of legislation and proposed regulations pertaining to reform of financial industry by establishment of Financial Product Safety Commission, S. 566 and HR 1705 and other reforms. 4) Support efforts against unfair bank fees, including support for HR 1456, the Consumer Overdraft Protection Fair Practices Act (testified in House). 5) Support reinstatement of federal usury ceilings on financial transactions (S. 500/HR 1608). 6) Support efforts to implement strong consumer and transparency protections in regulations and enforcement of the Emergency Economic Stabilization Act (HR 1424-Division A, became PL 110-343) and related bills. Supported bills including HR 384 and S 195 to reform the Troubled Asset Relief Program (TARP) and other programs established either by EESA or by federal regulators concerning financial reform and bailout funding. These and other similar bills would restore original purposes of bailout funds, increase transparency, limit executive compensation, grant greater authority to oversight agencies, etc. 7) Supported Section 626 of HR 1105 (Omnibus Appropriations) to grant greater authority to FTC and state attorneys general to better protect consumers against financial fraud and impose greater sanctions against wrongdoers. Regarding the Troubled Asset Relief Program (TARP), specifically additional oversight and transparency measures. S.195 (initially) in the Senate, but meeting were more generally focused on more robust measures that have yet to be introduced.

Consumer Product Safety Modernization Act (H.R. 4040), all titles. Supported efforts to implement new Consumer Product Safety Commission Improvement Act, add resources, regulate dangerous and/or toxic products. Provided comments to hill, signed letters, lobbied on all aspects of legislation and proposed regulations pertaining to reform. Testified in previous quarters. Specific new law is PL 110-314 (HR 4040, Consumer Product Safety Modernization Act). Supported various efforts to protect consumers from unfair business or marketplace practices by signing letters, lobbying or commenting on various proposals: 1) Mandatory Arbitration: Support for S 1782/HR 3010, the Arbitration Fairness Act to ban mandatory arbitration in consumer laws. 2) Support for S. 1145/HR 1908, the Patent Reform Act, to encourage generic substitutes for brand name pharmaceuticals. 3) Opposition to HR 1767/HR 1012, the Consumer Rental Purchase Agreement Act, which would legalize unfair practices of predatory rent to own stores. 5) Supported aspects of Federal Aviation Administration reforms pertaining to Airline Passengers Bill of Rights (S 678/HR 1303 and section 401 of HR 1300, the Aviation Investment and Modernization Act of 2007. 6) Support efforts against unfair bank fees, including support for HR 946, the Consumer Overdraft Protection Fair Practices Act. 7) Support efforts to enact strong consumer protections in Emergency Economic Stabilization Act (HR 1424-Division A) and related bills. Support efforts to ensure that federal law provides consumers with strong privacy protection, prevents identity theft, and holds companies and government agencies accountable when they lose consumer data. Support includes lobbying, letters, and communications as necessary. We have lobbied or sent letters or communicated on all of the following bills, although our positions on them vary. S 2248, the FISA Modernization Act, only as to its provisions to hold telephone companies that broke the law and shared consumer records with the government liable, as well as S 2168, the Identity Theft Enforcement and Restitution Act, S 1178, the Identity Theft Prevention Act, HR 3316, Identity Theft Protection Act, S 495, the Personal Data Privacy and Security Act of 2007, HR 3046 Social Security Number Privacy and Identity Theft Prevention Act, and HR 948, the Social Security Number Privacy and Identity Theft Prevention Act.

Supported efforts to reauthorize Consumer Product Safety Commission, add resources, regulate dangerous and/or toxic products. Provided comments to hill, signed letters, lobbied on all aspects of legislation and proposed regulations pertaining to reform. Testified in previous quarters. Specific bills included HR 4040, Consumer Product Safety Modernization Act and S 2045 and S 2663, the CPSC Reform Act (S 2663 was a successor floor vehicle. Supported various efforts to protect consumers from unfair business or marketplace practices by signing letters, lobbying or commenting on various proposals: 1) Mandatory Arbitration: Support for S 1782/HR 3010, the Arbitration Fairness Act to ban mandatory arbitration in consumer laws. 2) Support for S. 1145/HR 1908, the Patent Reform Act, to encourage generic substitutes for brand name pharmaceuticals. 3) Opposition to HR 1767/HR 1012, the Consumer Rental Purchase Agreement Act, which would legalize unfair practices of predatory rent to own stores. 5) Supported aspects of Federal Aviation Administration reforms pertaining to Airline Passengers Bill of Rights (S 678/HR 1303 and section 401 of HR 1300, the Aviation Investment and Modernization Act of 2007. 6) Support efforts against unfair bank fees, including support for HR 946, the Consumer Overdraft Protection Fair Practices Act. Support efforts to ensure that federal law provides consumers with strong privacy protection, prevents identity theft, and holds companies and government agencies accountable when they lose consumer data. Support includes lobbying, letters, and communications as necessary. We have lobbied or sent letters or communicated on all of the following bills, although our positions on them vary. S 2248, the FISA Modernization Act, only as to its provisions to hold telephone companies that broke the law and shared consumer records with the government liable, as well as S 2168, the Identity Theft Enforcement and Restitution Act, S 1178, the Identity Theft Prevention Act, HR 3316, Identity Theft Protection Act, S 495, the Personal Data Privacy and Security Act of 2007, HR 3046 Social Security Number Privacy and Identity Theft Prevention Act, and HR 948, the Social Security Number Privacy and Identity Theft Prevention Act.

1) Reform Credit Card Practices. Provided comments to hill, testified, signed letters, lobbied on all aspects of legislation and proposed regulations pertaining to reform of unfair practices of credit card industry. testified in previous quarters. Bills include S 1395, Stop Unfair Practices in Credit Cards Act, S 2753, Credit Card Reform Act, HR 5244, Credit Cardhholders Bill of Rights Act, HR 2146 Universal Default Prohibition Act and HR 5546, Credit Card Fair Fee Act. 2) Reform Mortgage Practices. Provided comments to hill, signed letters, lobbied on all aspects of legislation and proposed regulations pertaining to reform of mortgage and predatory lending. Bills included S 2452, Home Ownership Preservation and Protection Act and HR 3915. Mortgage Reform and Anti-Predatory Lending Act.

Supported aspects of Federal Aviation Administration reforms pertaining to Airline Passengers Bill of Rights (S 678/HR 1303 and section 401 of HR 1300, the Aviation Investment and Modernization Act of 2007. HR 6052 and general converstations about public transportation. HR 6052 - Saving Energy Through Public Transportation Act - All provisions. HR 6003 - Passenger Rail Investment and Improvement Act - All provisions. Surface transportation funding bill (not yet introduced) - all provisions.

Restructure Mortgages in Bankruptcy: Provided comments to hill, signed letters, lobbied on all aspects of legislation and proposed regulations pertaining to reform Supported efforts to allow bankruptcy judges to restructure first mortgages. Bills included HR 3609, the Emergency Home Ownership and Mortgage Equity Protection Act and S 2136, Helping Families To Save Their Homes, with an emphasis on Title IV of S 2136.

General conversations on universal broadband. Supporting Low Power FM. General Conversations on Media Ownership Rules. General Conversation on Cell Phone Early Termination Fees and Spectrum Auctions. General conversations on XM Sirus Merger. General Conversation on Embedded Advertising.

General conversations on universal broadband. Supporting Low Power FM. General Conversations on Media Ownership Rules. General Conversation on Cell Phone Early Termination Fees and Spectrum Auctions. General conversations on XM Sirus Merger. General Conversation on Embedded Advertising.

Reform Credit Card Practices. Provided comments to hill, signed letters, lobbied on all aspects of legislation and proposed regulations pertaining to reform of unfair practices of credit card industry. testified in previous quarters. Bills include S 1395, Stop Unfair Practices in Credit Cards Act, S 2753, Credit Card Reform Act, HR 5244, Credit Cardhholders Bill of Rights Act, HR 2146 Universal Default Prohibition Act and HR 5546, Credit Card Fair Fee Act. 2) Reform Mortgage Practices. Provided comments to hill, signed letters, lobbied on all aspects of legislation and proposed regulations pertaining to reform of mortgage and predatory lending. Bills included S 2452, Home Ownership Preservation and Protection Act and HR 3915. Mortgage Reform and Anti-Predatory Lending Act.

Restructure Mortgages in Bankruptcy: Provided comments to hill, signed letters, lobbied on all aspects of legislation and proposed regulations pertaining to reform Supported efforts to allow bankruptcy judges to restructure first mortgages. Bills included HR 3609, the Emergency Home Ownership and Mortgage Equity Protection Act and S 2136, Helping Families To Save Their Homes, with an emphasis on Title IV of S 2136.

Supported efforts to protect strong rules preserving the rights of viewers and listeners at the Federal Communications Commission (FCC), with letters, lobbying and comments on all proposals. Support SJ Res 28 and House J Res 1279 -- Resolutions vetoing FCC media ownership rules approved by in December 2007. Support HR 5353, Internet Freedom Preservation Act. Support efforts to guarantee digital television transition (DTV) is fair to consumers. Support HR 2060, the Internet Radio Equality Act, to preserve a variety of voices on Internet radio. Support HR 3919, the Broadband Census of America Act to improve reporting of broadband Internet buildout to all areas of America.

Subsidies to Fossil Fuel Industry Subsidies to Nuclear Industry Gas & Energy Prices

Utility Deregulation, PUHCA, Subsidies

Student Aid, Student Loans, National Service, Higher Education Act, Student Rights

Tobacco & Smoking Health and Safety

Clean Air, Clean Water, Safer Drinking Water, Mercury Pollution, General Air & Water Pollution Issues

Clean Energy, Nuclear Power, Energy Efficiency, Global Warming/Climate Change, Energy Legislation, Fossil Fuel & Nuclear Subsidies

Oceans Preservation, Overfishing, Bycatch, Offshore Drilling

Consumer Protection, Consumer Rights, Product Safety, Toy Safety

Fair Trade Issues, Labeling of Products (concerns between U.S. & other countries), Safe Product Imports, Environmental & Consumer Protection in Trade Agreements

Public Transportation & Rail; Highway Bills; Pollution for Cars, Trucks & Buses; Fuel Efficiency; Anti-Environmental Subsidies Related to Transportation

Forests Protection, Endangered Species, Wetlands, Everglades, Arctic Refuge, Public Lands, Wilderness

Nuclear Waste, Hazardous Waste, Toxic Waste, Superfund

Food Safety Genetically Modified (GMO) Food

Conservation & Preservation in Forests and Public Lands Road-Building in Forests and Public Lands

"Net Neutrality" Internet Freedom Telecommunication Company Mergers

Toxics/Right to Know, Toxics Release Inventory, Pesticides, Polluter Pork/Anti-Environmental Subsidies, EPA Budget, Regulatory Issues, Superfund, Other General Environmental Issues

Campaign Finance Reform, Lobbying & Ethics Reform, Election Reform

Chemical Plant Security, Chemical Safety, Toxics Release Inventory, Toxics/Right to Know, Superfund, Pollution Prevention

Personal Bankruptcy

Oceans Preservation, Overfishing, Bycatch, offshore Drilling

Nuclear Waste, Hazardous Waste, Toxic Waste, Superfund

"Net Neutrality" Internet Freedom Telecommunication Company Mergers

Budget, Appropriations Bills, Taxes All of the above alone and as they relate & effect other U.S. PIRG issues.

Utility Deregulation, PUHCA, Subsidies

Student Aid, Student Loans, National Service, Higher Education Act, Student Rights

Clean Air, Clean Water, Safer Drinking Water, Mercury Pollution, General Air & Water Pollution Issues

Fair Credit, Financial Services, Credit Privacy, Identity Theft

Subsidies to Fossil Fuel Industry Subsidies to Nuclear Industry Gas & Energy Prices

Banking Regulations & General Banking Issues, Bank Fees, Credit Unions, Savings & Loans

Public Transportation & Rail; Highway Bills; Pollution for Cars, Trucks & Buses; Fuel Efficiency; Anti-Environmental Subsidies Related to Transportation

Tobacco & Smoking Health and Safety

Food Safety Genetically Modified (GMO) Food

Toxics/Right to Know, Toxics Release Inventory, Pesticides, Polluter Pork/Anti-Environmental Subsidies, EPA Budget, Regulatory Issues, Superfund, Other General Environmental Issues

Campaign Finance Reform, Lobbying & Ethics Reform, Election Reform

Personal Bankruptcy

Chemical Plant Security, Chemical Safety, Toxics Release Inventory, Toxics/Right to Know, Superfund, Pollution Prevention

Consumer Protection, Consumer Rights, Product Safety

Forests Protection, Endangered Species, Wetlands, Everglades, Arctic Refuge, Public Lands, Wilderness

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Chemical Plant Security, Chemical Safety, Toxics Release Inventory, Toxics/Right to Know, Superfund, Pollution Prevention

Consumer Protection, Consumer Rights, Product Safety

Clean Energy, Nuclear Power, Energy Efficiency, Global Warming/Climate Change, General Energy Bills

Toxics/Right to Know, Toxics Release Inventory, Pesticides, Polluter Pork, EPA Budget, Regulatory Issues, Superfund, Other General Environmental Issues

Public Transportation & Rail; Highway Bills; Pollution from Cars, Trucks, Buses; Fuel Efficiency, Anti-Environmental Subsidies Related to Transportation

Budget, Appropriations Bills, Taxes All of the above alone and as they relate & effect other U.S. PIRG issues.

Personal Bankruptcy

Campaign Finance Reform, Lobbying & Ethics Reform, Election Reform

Oceans Preservation Overfishing Bycatch Offshore Drilling

Clean Air, Clean Water, Safe Drinking Water, Mercury Pollution, General Air & Water Pollution Issues

Fair Credit, Financial Services, Credit Privacy, Identity Theft

Student Aid, Student Loans, National Service, Higher Education Act, Student Rights

Media Consolidation Media Reform

Fair Trade Issues, Labeling of Products (concerns between U.S. & other countries), Environmental Protection in Trade Agreements

Subsidies of the Fossil Fuel Industry Subsidies of the Nuclear Industry Gas & Energy Prices

Food Safety Genetically Modified (GMO) Food

"Net Neutrality" Internet Freedom Telecommunication Company Mergers

Tobacco & Smoking Health and Safety

Banking Regulations & General Banking Issues, Bank Fees, Credit Unions, Savings & Loans