MICHELE JOHNSON

Issues related to net operating loss (NOL) carryback tax reform (H.R. 9383, Small Business and Consumer Credit Act of 2026); Issues related to proposed tax on outsourcing payments made to foreign entities (S. 2976, Halting International Relocation of Employment (HIRE) Act).

Issues relating to consumer credit, including proposed credit card rate caps (S. 381/H.R. 1944: 10 Percent Credit Card Interest Rate Cap Act); and credit reporting under the Fair Credit Reporting Act (S. 4622); Issues relating to debt settlement companies (no bill); Issues relating to the Consumer Financial Protection Bureau, including general credit card issues (no bill); Issues relating to call centers (S. 2495, Keep Call Centers in America Act of 2025); Issues related to Synchrony locations and employee footprint (no bill); Issues relating to privacy, data security, and cybersecurity (no bill).

Issues relating to consumer credit, including proposed credit card rate caps (S. 381/H.R. 1944: 10 Percent Credit Card Interest Rate Cap Act); and credit reporting under the Fair Credit Reporting Act (S. 4622); Issues relating to debt settlement companies (no bill); Issues relating to the Consumer Financial Protection Bureau, including general credit card issues (no bill); Issues relating to call centers (S. 2495, Keep Call Centers in America Act of 2025); Issues related to Synchrony locations and employee footprint (no bill); Issues relating to privacy, data security, and cybersecurity (no bill).

Issues relating to consumer credit, including proposed credit card rate caps (S. 381/H.R. 1944: 10 Percent Credit Card Interest Rate Cap Act); Issues relating to debt settlement companies (no bill); Issues relating to the Consumer Financial Protection Bureau, including general credit card issues (no bill); Issues relating to call centers (S. 2495, Keep Call Centers in America Act of 2025); Issues related to Synchrony locations and employee footprint (no bill); Issues relating to privacy (no bill).

Issues related to net operating loss (NOL) carryback tax reform (H.R. 9383); Issues related to proposed tax on outsourcing payments made to foreign entities (S. 2976, Halting International Relocation of Employment (HIRE)Act).

Issues related to net operating loss (NOL) carryback tax reform (H.R. 9383, Small Business and Consumer Credit Act of 2026); Issues related to proposed tax on outsourcing payments made to foreign entities (S. 2976, Halting International Relocation of Employment (HIRE) Act).

Issues related to net operating loss (NOL) carryback tax reform (no bill); Issues related to proposed tax on outsourcing payments made to foreign entities (S. 2976, Halting International Relocation of Employment (HIRE) Act).

Issues relating to consumer credit, including proposed credit card rate caps (S. 381/H.R. 1944: 10 Percent Credit Card Interest Rate Cap Act); Issues relating to debt settlement companies (no bill); Issues relating to the Consumer Financial Protection Bureau, including general credit card issues (no bill); Issues relating to call centers (S. 2495, Keep Call Centers in America Act of 2025); Issues related to Synchrony locations and employee footprint (no bill); Issues relating to privacy (no bill).

Issues relating to consumer credit, including proposed credit card rate caps (S. 381/H.R. 1944: 10 Percent Credit Card Interest Rate Cap Act); and credit reporting under the Fair Credit Reporting Act (S. 4622); Issues relating to debt settlement companies (no bill); Issues relating to the Consumer Financial Protection Bureau, including general credit card issues (no bill); Issues relating to call centers (S. 2495, Keep Call Centers in America Act of 2025); Issues related to Synchrony locations and employee footprint (no bill); Issues relating to privacy, data security, and cybersecurity (no bill).

Issues relating to consumer credit, including proposed credit card rate caps (S. 381/H.R. 1944: 10 Percent Credit Card Interest Rate Cap Act); and credit reporting under the Fair Credit Reporting Act (S. 4622); Issues relating to debt settlement companies (no bill); Issues relating to the Consumer Financial Protection Bureau, including general credit card issues (no bill); Issues relating to call centers (S. 2495, Keep Call Centers in America Act of 2025); Issues related to Synchrony locations and employee footprint (no bill); Issues relating to privacy, data security, and cybersecurity (no bill).

Issues relating to consumer credit, including proposed credit card rate caps (S. 381/H.R. 1944: 10 Percent Credit Card Interest Rate Cap Act); and credit reporting under the Fair Credit Reporting Act (S. 4622); Issues relating to debt settlement companies (no bill); Issues relating to the Consumer Financial Protection Bureau, including general credit card issues (no bill); Issues relating to call centers (S. 2495, Keep Call Centers in America Act of 2025); Issues related to Synchrony locations and employee footprint (no bill); Issues relating to privacy, data security, and cybersecurity (no bill).

Issues relating to consumer credit, including proposed credit card rate caps (S. 381/H.R. 1944: 10 Percent Credit Card Interest Rate Cap Act); and credit reporting under the Fair Credit Reporting Act (S. 4622); Issues relating to debt settlement companies (no bill); Issues relating to the Consumer Financial Protection Bureau, including general credit card issues (no bill); Issues relating to call centers (S. 2495, Keep Call Centers in America Act of 2025); Issues related to Synchrony locations and employee footprint (no bill); Issues relating to privacy, data security, and cybersecurity (no bill).

Issues related to net operating loss (NOL) carryback provision (H.R. 1, the One Big Beautiful Bill Act).

Issues relating to consumer credit, including proposed credit card rate caps (S. 381/H.R. 1944: 10 Percent Credit Card Interest Rate Cap Act); Issues related to Social Security Administrations modernization of identification verification system including eCBSV (no bill); Issues related to debt settlement companies (no bill); Issues relating to the Consumer Financial Protection Bureau, including general credit card issues (no bill); Issues relating to privacy, data security, and cybersecurity (no bill); Issues relating to FCC interpretations of the Telephone Consumer Protection Act (TCPA) (no bill); Issues related to payment card acceptance in connection with health, wellness, and related services (no bill); Issues related to remittances (H.R. 1, the One Big Beautiful Bill Act)

Issues relating to consumer credit, including proposed credit card rate caps (S. 381/H.R. 1944: 10 Percent Credit Card Interest Rate Cap Act); Issues related to Social Security Administrations modernization of identification verification system including eCBSV (no bill); Issues related to debt settlement companies (no bill); Issues relating to the Consumer Financial Protection Bureau, including late fee rule, and general credit card issues (no bill); Identity and Fraud issues, including synthetic identity fraud (no bill); Issues relating to privacy, data security, and cybersecurity (no bill); Issues relating to FCC interpretations of the Telephone Consumer Protection Act (TCPA) (no bill); Issues related to payment card acceptance in connection with health, wellness, and related services (no bill)

Issues relating to consumer credit, including proposed credit card rate caps (S. 381/H.R. 1944: 10 Percent Credit Card Interest Rate Cap Act); Issues related to Social Security Administrations modernization of identification verification system including eCBSV (no bill); Issues related to debt settlement companies (no bill); Issues relating to the Consumer Financial Protection Bureau, including general credit card issues (no bill); Issues relating to privacy, data security, and cybersecurity (no bill); Issues relating to FCC interpretations of the Telephone Consumer Protection Act (TCPA) (no bill); Issues related to payment card acceptance in connection with health, wellness, and related services (no bill); Issues related to remittances (H.R. 1, the One Big Beautiful Bill Act)

Issues relating to consumer credit, including proposed credit card rate caps (S. 381/H.R. 1944: 10 Percent Credit Card Interest Rate Cap Act); Issues relating to Social Security Administrations modernization of identification verification system including eCBSV (no bill); Issues relating to debt settlement companies (no bill); Issues relating to the Consumer Financial Protection Bureau, including general credit card issues (no bill); Issues relating to call centers (S. 2495, Keep Call Centers in America Act of 2025); Issues related to Synchrony locations and employee footprint (no bill).

Issues relating to consumer credit, including proposed credit card rate caps (S. 381/H.R. 1944: 10 Percent Credit Card Interest Rate Cap Act); Issues relating to Social Security Administrations modernization of identification verification system including eCBSV (no bill); Issues relating to debt settlement companies (no bill); Issues relating to the Consumer Financial Protection Bureau, including general credit card issues (no bill); Issues relating to call centers (S. 2495); Issues relating to employment issues (no bill).

Issues relating to consumer credit, including proposed credit card rate caps (S. 381/H.R. 1944: 10 Percent Credit Card Interest Rate Cap Act); Issues relating to Social Security Administrations modernization of identification verification system including eCBSV (no bill); Issues relating to debt settlement companies (no bill); Issues relating to the Consumer Financial Protection Bureau, including general credit card issues (no bill); Issues relating to call centers (S. 2495, Keep Call Centers in America Act of 2025); Issues related to Synchrony locations and employee footprint (no bill).

Issues relating to consumer credit, including proposed credit card rate caps (S. 381/H.R. 1944: 10 Percent Credit Card Interest Rate Cap Act); Issues relating to Social Security Administrations modernization of identification verification system including eCBSV (no bill); Issues relating to debt settlement companies (no bill); Issues relating to the Consumer Financial Protection Bureau, including general credit card issues (no bill); Issues relating to call centers (S. 2495); Issues relating to employment issues (no bill).

Issues related to net operating loss (NOL) carryback tax reform (no bill); Issues related to proposed tax on outsourcing payments made to foreign entities (S. 2897).

Issues related to net operating loss (NOL) carryback tax reform (no bill); Issues related to proposed tax on outsourcing payments made to foreign entities (S. 2976, Halting International Relocation of Employment (HIRE) Act).

Issues relating to consumer credit, including proposed credit card rate caps (S. 381/H.R. 1944: 10 Percent Credit Card Interest Rate Cap Act); Issues relating to Social Security Administrations modernization of identification verification system including eCBSV (no bill); Issues relating to debt settlement companies (no bill); Issues relating to the Consumer Financial Protection Bureau, including general credit card issues (no bill); Issues relating to call centers (S. 2495, Keep Call Centers in America Act of 2025); Issues related to Synchrony locations and employee footprint (no bill).

Issues relating to consumer credit, including proposed credit card rate caps (S. 381/H.R. 1944: 10 Percent Credit Card Interest Rate Cap Act); Issues related to Social Security Administrations modernization of identification verification system including eCBSV (no bill); Issues related to debt settlement companies (no bill); Issues relating to the Consumer Financial Protection Bureau, including general credit card issues (no bill); Issues relating to privacy, data security, and cybersecurity (no bill); Issues relating to FCC interpretations of the Telephone Consumer Protection Act (TCPA) (no bill); Issues related to payment card acceptance in connection with health, wellness, and related services (no bill); Issues related to remittances (H.R. 1, the One Big Beautiful Bill Act)

Issues relating to consumer credit, including proposed credit card rate caps (S. 381/H.R. 1944: 10 Percent Credit Card Interest Rate Cap Act); Issues related to Social Security Administrations modernization of identification verification system including eCBSV (no bill); Issues related to debt settlement companies (no bill); Issues relating to the Consumer Financial Protection Bureau, including late fee rule, and general credit card issues (no bill); Identity and Fraud issues, including synthetic identity fraud (no bill); Issues relating to privacy, data security, and cybersecurity (no bill); Issues relating to FCC interpretations of the Telephone Consumer Protection Act (TCPA) (no bill); Issues related to payment card acceptance in connection with health, wellness, and related services (no bill)

Issues relating to consumer credit, including proposed credit card rate caps (S. 381/H.R. 1944: 10 Percent Credit Card Interest Rate Cap Act); Issues relating to Social Security Administrations modernization of identification verification system including eCBSV (no bill); Issues relating to debt settlement companies (no bill); Issues relating to the Consumer Financial Protection Bureau, including general credit card issues (no bill); Issues relating to call centers (S. 2495); Issues relating to employment issues (no bill).

Implementation of Public Law 115-174 (S. 2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act: entire bill, including Social Security Administration to modernize identification verification system) Identity and Fraud issues, including synthetic identity fraud and credit washing Tax reform (Tax Cuts and Jobs Act of the 115th Congress and Americas Job Plan): issues related to net operating loss (NOL) carryback provision, corporate tax rate Issues relating to the Consumer Financial Protection Bureau, including ESIGN, implementation of Sec. 1071, late fee proposed rule, and general credit card issues Issues relating to the Financial Stability Oversight Council and the Federal Accounting Standards Boards Current Expected Credit Loss (CECL) standards Issues relating to consumer credit (including Buy Now and Pay Later and the MAPR of the Military Lending Act, and proposed credit card rate caps) including S. 2760, S. 2730, S.A. 1225 to H.R. 4366, and S.A. 1285 to H.R. 4366 Issues relating to privacy (no bill); Issues relating to data security (no bill); Issues relating to cybersecurity of the financial services industry (no bill); Issues relating to FCC interpretations of the Telephone Consumer Protection Act (TCPA) (no bill) Issues related to diversity and inclusion (no bill) Industrial Loan Company Issues (no bill) Issues related to arbitration in consumer agreements Issues related to pandemic effects on supply chain and global trade (no bill) Issues related to payment card acceptance in connection with health, wellness, and related services (no bill)

Implementation of Public Law 115-174 (S. 2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act: entire bill, including Social Security Administration to modernize identification verification system) Identity and Fraud issues, including synthetic identity fraud and credit washing Tax reform (Tax Cuts and Jobs Act of the 115th Congress and Americas Job Plan): issues related to net operating loss (NOL) carryback provision, corporate tax rate Issues relating to the Consumer Financial Protection Bureau, including ESIGN, implementation of Sec. 1071, late fee proposed rule, and general credit card issues Issues relating to the Financial Stability Oversight Council and the Federal Accounting Standards Boards Current Expected Credit Loss (CECL) standards Issues relating to consumer credit (including Buy Now and Pay Later and the MAPR of the Military Lending Act, and proposed credit card rate caps) including S. 2760, S. 2730, S.A. 1225 to H.R. 4366, and S.A. 1285 to H.R. 4366 Issues relating to privacy (no bill); Issues relating to data security (no bill); Issues relating to cybersecurity of the financial services industry (no bill); Issues relating to FCC interpretations of the Telephone Consumer Protection Act (TCPA) (no bill) Issues related to diversity and inclusion (no bill) Industrial Loan Company Issues (no bill) Issues related to arbitration in consumer agreements Issues related to pandemic effects on supply chain and global trade (no bill) Issues related to payment card acceptance in connection with health, wellness, and related services (no bill)

Implementation of Public Law 115-174 (S. 2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act: entire bill, including Social Security Administration to modernize identification verification system) Identity and Fraud issues, including synthetic identity fraud and credit washing Tax reform (Tax Cuts and Jobs Act of the 115th Congress and Americas Job Plan): issues related to net operating loss (NOL) carryback provision, corporate tax rate Issues relating to the Consumer Financial Protection Bureau, including ESIGN, implementation of Sec. 1071, late fee proposed rule, and general credit card issues Issues relating to the Financial Stability Oversight Council and the Federal Accounting Standards Boards Current Expected Credit Loss (CECL) standards Issues relating to consumer credit (including Buy Now and Pay Later and the MAPR of the Military Lending Act, and proposed credit card rate caps) including S. 2760, S. 2730, S.A. 1225 to H.R. 4366, and S.A. 1285 to H.R. 4366 Issues relating to privacy (no bill); Issues relating to data security (no bill); Issues relating to cybersecurity of the financial services industry (no bill); Issues relating to FCC interpretations of the Telephone Consumer Protection Act (TCPA) (no bill) Issues related to diversity and inclusion (no bill) Industrial Loan Company Issues (no bill) Issues related to arbitration in consumer agreements Issues related to pandemic effects on supply chain and global trade (no bill) Issues related to payment card acceptance in connection with health, wellness, and related services (no bill)

Implementation of Public Law 115-174 (S. 2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act: entire bill, including Social Security Administration to modernize identification verification system) Identity and Fraud issues, including synthetic identity fraud and credit washing Tax reform (Tax Cuts and Jobs Act of the 115th Congress and Americas Job Plan): issues related to net operating loss (NOL) carryback provision, corporate tax rate Issues relating to the Consumer Financial Protection Bureau, including ESIGN, implementation of Sec. 1071, late fee proposed rule, and general credit card issues Issues relating to the Financial Stability Oversight Council and the Federal Accounting Standards Boards Current Expected Credit Loss (CECL) standards Issues relating to consumer credit (including Buy Now and Pay Later and the MAPR of the Military Lending Act, and proposed credit card rate caps) including S. 2760, S. 2730, S.A. 1225 to H.R. 4366, and S.A. 1285 to H.R. 4366 Issues relating to privacy (no bill); Issues relating to data security (no bill); Issues relating to cybersecurity of the financial services industry (no bill); Issues relating to FCC interpretations of the Telephone Consumer Protection Act (TCPA) (no bill) Issues related to diversity and inclusion (no bill) Industrial Loan Company Issues (no bill) Issues related to arbitration in consumer agreements Issues related to pandemic effects on supply chain and global trade (no bill) Issues related to payment card acceptance in connection with health, wellness, and related services (no bill)

Implementation of Public Law 115-174 (S. 2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act: entire bill, including Social Security Administration to modernize identification verification system) Identity and Fraud issues, including synthetic identity fraud and credit washing Tax reform (Tax Cuts and Jobs Act of the 115th Congress and Americas Job Plan): issues related to net operating loss (NOL) carryback provision, corporate tax rate Issues relating to the Consumer Financial Protection Bureau, including ESIGN, implementation of Sec. 1071, late fee proposed rule, and general credit card issues Issues relating to the Financial Stability Oversight Council and the Federal Accounting Standards Boards Current Expected Credit Loss (CECL) standards Issues relating to consumer credit (including Buy Now and Pay Later and the MAPR of the Military Lending Act, and proposed credit card rate caps) including S. 2760, S. 2730, S.A. 1225 to H.R. 4366, and S.A. 1285 to H.R. 4366 Issues relating to privacy (no bill); Issues relating to data security (no bill); Issues relating to cybersecurity of the financial services industry (no bill); Issues relating to FCC interpretations of the Telephone Consumer Protection Act (TCPA) (no bill) Issues related to diversity and inclusion (no bill) Industrial Loan Company Issues (no bill) Issues related to arbitration in consumer agreements Issues related to pandemic effects on supply chain and global trade (no bill) Issues related to payment card acceptance in connection with health, wellness, and related services (no bill)

Implementation of Public Law 115-174 (S. 2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act: entire bill, including Social Security Administration to modernize identification verification system) Identity and Fraud issues, including synthetic identity fraud and credit washing Tax reform (Tax Cuts and Jobs Act of the 115th Congress and Americas Job Plan): issues related to net operating loss (NOL) carryback provision, corporate tax rate Issues relating to the Consumer Financial Protection Bureau, including ESIGN, implementation of Sec. 1071, late fee proposed rule, and general credit card issues Issues relating to the Financial Stability Oversight Council and the Federal Accounting Standards Boards Current Expected Credit Loss (CECL) standards Issues relating to consumer credit (including Buy Now and Pay Later and the MAPR of the Military Lending Act, and proposed credit card rate caps) including S. 2760, S. 2730, S.A. 1225 to H.R. 4366, and S.A. 1285 to H.R. 4366 Issues relating to privacy (no bill); Issues relating to data security (no bill); Issues relating to cybersecurity of the financial services industry (no bill); Issues relating to FCC interpretations of the Telephone Consumer Protection Act (TCPA) (no bill) Issues related to diversity and inclusion (no bill) Industrial Loan Company Issues (no bill) Issues related to arbitration in consumer agreements Issues related to pandemic effects on supply chain and global trade (no bill) Issues related to payment card acceptance in connection with health, wellness, and related services (no bill)

Implementation of Public Law 115-174 (S. 2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act: entire bill, including Social Security Administration to modernize identification verification system) Identity and Fraud issues, including synthetic identity fraud and credit washing Tax reform (Tax Cuts and Jobs Act of the 115th Congress and Americas Job Plan): issues related to net operating loss (NOL) carryback provision, corporate tax rate Issues relating to the Consumer Financial Protection Bureau, including ESIGN, implementation of Sec. 1071, late fee proposed rule, and general credit card issues Issues relating to the Financial Stability Oversight Council and the Federal Accounting Standards Boards Current Expected Credit Loss (CECL) standards Issues relating to consumer credit (including Buy Now and Pay Later and the MAPR of the Military Lending Act, and proposed credit card rate caps) including S. 2760, S. 2730, S.A. 1225 to H.R. 4366, and S.A. 1285 to H.R. 4366 Issues relating to privacy (no bill); Issues relating to data security (no bill); Issues relating to cybersecurity of the financial services industry (no bill); Issues relating to FCC interpretations of the Telephone Consumer Protection Act (TCPA) (no bill) Issues related to diversity and inclusion (no bill) Industrial Loan Company Issues (no bill) Issues related to arbitration in consumer agreements Issues related to pandemic effects on supply chain and global trade (no bill) Issues related to payment card acceptance in connection with health, wellness, and related services (no bill)

Implementation of Public Law 115-174 (S. 2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act: entire bill, including Social Security Administration to modernize identification verification system) Identity and Fraud issues, including synthetic identity fraud and credit washing Tax reform (Tax Cuts and Jobs Act of the 115th Congress and Americas Job Plan): issues related to net operating loss (NOL) carryback provision, corporate tax rate Issues relating to the Consumer Financial Protection Bureau, including ESIGN, implementation of Sec. 1071, late fee proposed rule, and general credit card issues Issues relating to the Financial Stability Oversight Council and the Federal Accounting Standards Boards Current Expected Credit Loss (CECL) standards Issues relating to consumer credit (including Buy Now and Pay Later and the MAPR of the Military Lending Act, and proposed credit card rate caps) including S. 2760, S. 2730, S.A. 1225 to H.R. 4366, and S.A. 1285 to H.R. 4366 Issues relating to privacy (no bill); Issues relating to data security (no bill); Issues relating to cybersecurity of the financial services industry (no bill); Issues relating to FCC interpretations of the Telephone Consumer Protection Act (TCPA) (no bill) Issues related to diversity and inclusion (no bill) Industrial Loan Company Issues (no bill) Issues related to arbitration in consumer agreements Issues related to pandemic effects on supply chain and global trade (no bill) Issues related to payment card acceptance in connection with health, wellness, and related services (no bill)

Implementation of Public Law 115-174 (S. 2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act: entire bill, including Social Security Administration to modernize identification verification system) Identity and Fraud issues, including synthetic identity fraud and credit washing Tax reform (Tax Cuts and Jobs Act of the 115th Congress and Americas Job Plan): issues related to net operating loss (NOL) carryback provision, corporate tax rate Issues relating to the Consumer Financial Protection Bureau, including ESIGN, implementation of Sec. 1071, late fee proposed rule, and general credit card issues Issues relating to the Financial Stability Oversight Council and the Federal Accounting Standards Boards Current Expected Credit Loss (CECL) standards Issues relating to consumer credit (including Buy Now and Pay Later and the MAPR of the Military Lending Act, and proposed credit card rate caps) including S. 2760, S. 2730, S.A. 1225 to H.R. 4366, and S.A. 1285 to H.R. 4366 Issues relating to privacy (no bill); Issues relating to data security (no bill); Issues relating to cybersecurity of the financial services industry (no bill); Issues relating to FCC interpretations of the Telephone Consumer Protection Act (TCPA) (no bill) Issues related to diversity and inclusion (no bill) Industrial Loan Company Issues (no bill) Issues related to arbitration in consumer agreements Issues related to pandemic effects on supply chain and global trade (no bill) Issues related to payment card acceptance in connection with health, wellness, and related services (no bill)

Implementation of Public Law 115-174 (S. 2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act: entire bill, including Social Security Administration to modernize identification verification system) Identity and Fraud issues, including synthetic identity fraud and credit washing Tax reform (Tax Cuts and Jobs Act of the 115th Congress and Americas Job Plan): issues related to net operating loss (NOL) carryback provision, corporate tax rate Issues relating to the Consumer Financial Protection Bureau, including ESIGN, implementation of Sec. 1071, late fee proposed rule, and general credit card issues Issues relating to the Financial Stability Oversight Council and the Federal Accounting Standards Boards Current Expected Credit Loss (CECL) standards Issues relating to consumer credit (including Buy Now and Pay Later and the MAPR of the Military Lending Act, and proposed credit card rate caps) including S. 2760, S. 2730, S.A. 1225 to H.R. 4366, and S.A. 1285 to H.R. 4366 Issues relating to privacy (no bill); Issues relating to data security (no bill); Issues relating to cybersecurity of the financial services industry (no bill); Issues relating to FCC interpretations of the Telephone Consumer Protection Act (TCPA) (no bill) Issues related to diversity and inclusion (no bill) Industrial Loan Company Issues (no bill) Issues related to arbitration in consumer agreements Issues related to pandemic effects on supply chain and global trade (no bill) Issues related to payment card acceptance in connection with health, wellness, and related services (no bill)

Implementation of Public Law 115-174 (S. 2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act: entire bill, including Social Security Administration to modernize identification verification system) Identity and Fraud issues, including synthetic identity fraud and credit washing Tax reform (Tax Cuts and Jobs Act of the 115th Congress and Americas Job Plan): issues related to net operating loss (NOL) carryback provision, corporate tax rate Issues relating to the Consumer Financial Protection Bureau, including ESIGN, implementation of Sec. 1071, late fee proposed rule, and general credit card issues Issues relating to the Financial Stability Oversight Council and the Federal Accounting Standards Boards Current Expected Credit Loss (CECL) standards Issues relating to consumer credit (including Buy Now and Pay Later and the MAPR of the Military Lending Act, and proposed credit card rate caps) including S. 2760, S. 2730, S.A. 1225 to H.R. 4366, and S.A. 1285 to H.R. 4366 Issues relating to privacy (no bill); Issues relating to data security (no bill); Issues relating to cybersecurity of the financial services industry (no bill); Issues relating to FCC interpretations of the Telephone Consumer Protection Act (TCPA) (no bill) Issues related to diversity and inclusion (no bill) Industrial Loan Company Issues (no bill) Issues related to arbitration in consumer agreements Issues related to pandemic effects on supply chain and global trade (no bill) Issues related to payment card acceptance in connection with health, wellness, and related services (no bill)

Implementation of Public Law 115-174 (S. 2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act: entire bill, including Social Security Administration to modernize identification verification system) Identity and Fraud issues, including synthetic identity fraud and credit washing Tax reform (Tax Cuts and Jobs Act of the 115th Congress and Americas Job Plan): issues related to net operating loss (NOL) carryback provision, corporate tax rate Issues relating to the Consumer Financial Protection Bureau, including ESIGN, implementation of Sec. 1071, late fee proposed rule, and general credit card issues Issues relating to the Financial Stability Oversight Council and the Federal Accounting Standards Boards Current Expected Credit Loss (CECL) standards Issues relating to consumer credit (including Buy Now and Pay Later and the MAPR of the Military Lending Act, and proposed credit card rate caps) including S. 2760, S. 2730, S.A. 1225 to H.R. 4366, and S.A. 1285 to H.R. 4366 Issues relating to privacy (no bill); Issues relating to data security (no bill); Issues relating to cybersecurity of the financial services industry (no bill); Issues relating to FCC interpretations of the Telephone Consumer Protection Act (TCPA) (no bill) Issues related to diversity and inclusion (no bill) Industrial Loan Company Issues (no bill) Issues related to arbitration in consumer agreements Issues related to pandemic effects on supply chain and global trade (no bill) Issues related to payment card acceptance in connection with health, wellness, and related services (no bill)

Implementation of Public Law 115-174 (S. 2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act: entire bill, including Social Security Administration to modernize identification verification system) Identity and Fraud issues, including synthetic identity fraud and credit washing Tax reform (Tax Cuts and Jobs Act of the 115th Congress and Americas Job Plan): issues related to net operating loss (NOL) carryback provision, corporate tax rate Issues relating to the Consumer Financial Protection Bureau, including ESIGN, implementation of Sec. 1071, late fee proposed rule, and general credit card issues Issues relating to the Financial Stability Oversight Council and the Federal Accounting Standards Boards Current Expected Credit Loss (CECL) standards Issues relating to consumer credit (including Buy Now and Pay Later and the MAPR of the Military Lending Act, and proposed credit card rate caps) including S. 2760, S. 2730, S.A. 1225 to H.R. 4366, and S.A. 1285 to H.R. 4366 Issues relating to privacy (no bill); Issues relating to data security (no bill); Issues relating to cybersecurity of the financial services industry (no bill); Issues relating to FCC interpretations of the Telephone Consumer Protection Act (TCPA) (no bill) Issues related to diversity and inclusion (no bill) Industrial Loan Company Issues (no bill) Issues related to arbitration in consumer agreements Issues related to pandemic effects on supply chain and global trade (no bill) Issues related to payment card acceptance in connection with health, wellness, and related services (no bill)

Implementation of Public Law 115-174 (S. 2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act: entire bill, including Social Security Administration to modernize identification verification system) Identity and Fraud issues, including synthetic identity fraud and credit washing Tax reform (Tax Cuts and Jobs Act of the 115th Congress and Americas Job Plan): issues related to net operating loss (NOL) carryback provision, corporate tax rate Issues relating to the Consumer Financial Protection Bureau, including ESIGN, implementation of Sec. 1071, late fee proposed rule, and general credit card issues Issues relating to the Financial Stability Oversight Council and the Federal Accounting Standards Boards Current Expected Credit Loss (CECL) standards Issues relating to consumer credit (including Buy Now and Pay Later and the MAPR of the Military Lending Act, and proposed credit card rate caps) including S. 2760, S. 2730, S.A. 1225 to H.R. 4366, and S.A. 1285 to H.R. 4366 Issues relating to privacy (no bill); Issues relating to data security (no bill); Issues relating to cybersecurity of the financial services industry (no bill); Issues relating to FCC interpretations of the Telephone Consumer Protection Act (TCPA) (no bill) Issues related to diversity and inclusion (no bill) Industrial Loan Company Issues (no bill) Issues related to arbitration in consumer agreements Issues related to pandemic effects on supply chain and global trade (no bill) Issues related to payment card acceptance in connection with health, wellness, and related services (no bill)

Implementation of Public Law 115-174 (S. 2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act: entire bill, including Social Security Administration to modernize identification verification system) Identity and Fraud issues, including synthetic identity fraud and credit washing Tax reform (Tax Cuts and Jobs Act of the 115th Congress and Americas Job Plan): issues related to net operating loss (NOL) carryback provision, corporate tax rate Issues relating to the Consumer Financial Protection Bureau, including ESIGN, implementation of Sec. 1071, late fee proposed rule, and general credit card issues Issues relating to the Financial Stability Oversight Council and the Federal Accounting Standards Boards Current Expected Credit Loss (CECL) standards Issues relating to consumer credit (including Buy Now and Pay Later and the MAPR of the Military Lending Act, and proposed credit card rate caps) including S. 2760, S. 2730, S.A. 1225 to H.R. 4366, and S.A. 1285 to H.R. 4366 Issues relating to privacy (no bill); Issues relating to data security (no bill); Issues relating to cybersecurity of the financial services industry (no bill); Issues relating to FCC interpretations of the Telephone Consumer Protection Act (TCPA) (no bill) Issues related to diversity and inclusion (no bill) Industrial Loan Company Issues (no bill) Issues related to arbitration in consumer agreements Issues related to pandemic effects on supply chain and global trade (no bill) Issues related to payment card acceptance in connection with health, wellness, and related services (no bill)

Implementation of Public Law 115-174 (S. 2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act: entire bill, including Social Security Administration to modernize identification verification system) Identity and Fraud issues, including synthetic identity fraud and credit washing Tax reform (Tax Cuts and Jobs Act of the 115th Congress and Americas Job Plan): issues related to net operating loss (NOL) carryback provision, corporate tax rate Issues relating to the Consumer Financial Protection Bureau, including ESIGN, implementation of Sec. 1071, late fee proposed rule, and general credit card issues Issues relating to the Financial Stability Oversight Council and the Federal Accounting Standards Boards Current Expected Credit Loss (CECL) standards Issues relating to consumer credit (including Buy Now and Pay Later and the MAPR of the Military Lending Act, and proposed credit card rate caps) including S. 2760, S. 2730, S.A. 1225 to H.R. 4366, and S.A. 1285 to H.R. 4366 Issues relating to privacy (no bill); Issues relating to data security (no bill); Issues relating to cybersecurity of the financial services industry (no bill); Issues relating to FCC interpretations of the Telephone Consumer Protection Act (TCPA) (no bill) Issues related to diversity and inclusion (no bill) Industrial Loan Company Issues (no bill) Issues related to arbitration in consumer agreements Issues related to pandemic effects on supply chain and global trade (no bill) Issues related to payment card acceptance in connection with health, wellness, and related services (no bill)

Implementation of Public Law 115-174 (S. 2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act: entire bill, including Social Security Administration to modernize identification verification system) Identity and Fraud issues, including synthetic identity fraud and credit washing Tax reform (Tax Cuts and Jobs Act of the 115th Congress and Americas Job Plan): issues related to net operating loss (NOL) carryback provision, corporate tax rate Issues relating to the Consumer Financial Protection Bureau, including ESIGN, implementation of Sec. 1071, late fee proposed rule, and general credit card issues Issues relating to the Financial Stability Oversight Council and the Federal Accounting Standards Boards Current Expected Credit Loss (CECL) standards Issues relating to consumer credit (including Buy Now and Pay Later and the MAPR of the Military Lending Act, and proposed credit card rate caps) including S. 2760, S. 2730, S.A. 1225 to H.R. 4366, and S.A. 1285 to H.R. 4366 Issues relating to privacy (no bill); Issues relating to data security (no bill); Issues relating to cybersecurity of the financial services industry (no bill); Issues relating to FCC interpretations of the Telephone Consumer Protection Act (TCPA) (no bill) Issues related to diversity and inclusion (no bill) Industrial Loan Company Issues (no bill) Issues related to arbitration in consumer agreements Issues related to pandemic effects on supply chain and global trade (no bill) Issues related to payment card acceptance in connection with health, wellness, and related services (no bill)

Implementation of Public Law 115-174 (S. 2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act: entire bill, including Social Security Administration to modernize identification verification system) Identity and Fraud issues, including synthetic identity fraud and credit washing Tax reform (Tax Cuts and Jobs Act of the 115th Congress and Americas Job Plan): issues related to net operating loss (NOL) carryback provision, corporate tax rate Issues relating to the Consumer Financial Protection Bureau, including ESIGN, implementation of Sec. 1071, late fee proposed rule, and general credit card issues Issues relating to the Financial Stability Oversight Council and the Federal Accounting Standards Boards Current Expected Credit Loss (CECL) standards Issues relating to consumer credit (including Buy Now and Pay Later and the MAPR of the Military Lending Act, and proposed credit card rate caps) including S. 2760, S. 2730, S.A. 1225 to H.R. 4366, and S.A. 1285 to H.R. 4366 Issues relating to privacy (no bill); Issues relating to data security (no bill); Issues relating to cybersecurity of the financial services industry (no bill); Issues relating to FCC interpretations of the Telephone Consumer Protection Act (TCPA) (no bill) Issues related to diversity and inclusion (no bill) Industrial Loan Company Issues (no bill) Issues related to arbitration in consumer agreements Issues related to pandemic effects on supply chain and global trade (no bill) Issues related to payment card acceptance in connection with health, wellness, and related services (no bill)

Implementation of Public Law 115-174 (S. 2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act: entire bill, including Social Security Administration to modernize identification verification system) Identity and Fraud issues, including synthetic identity fraud and credit washing Tax reform (Tax Cuts and Jobs Act of the 115th Congress and Americas Job Plan): issues related to net operating loss (NOL) carryback provision, corporate tax rate Issues relating to the Consumer Financial Protection Bureau, including ESIGN, implementation of Sec. 1071, late fee proposed rule, and general credit card issues Issues relating to the Financial Stability Oversight Council and the Federal Accounting Standards Boards Current Expected Credit Loss (CECL) standards Issues relating to consumer credit (including Buy Now and Pay Later and the MAPR of the Military Lending Act, and proposed credit card rate caps) including S. 2760, S. 2730, S.A. 1225 to H.R. 4366, and S.A. 1285 to H.R. 4366 Issues relating to privacy (no bill); Issues relating to data security (no bill); Issues relating to cybersecurity of the financial services industry (no bill); Issues relating to FCC interpretations of the Telephone Consumer Protection Act (TCPA) (no bill) Issues related to diversity and inclusion (no bill) Industrial Loan Company Issues (no bill) Issues related to arbitration in consumer agreements Issues related to pandemic effects on supply chain and global trade (no bill) Issues related to payment card acceptance in connection with health, wellness, and related services (no bill)

Implementation of Public Law 115-174 (S. 2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act: entire bill, including Social Security Administration to modernize identification verification system) Identity and Fraud issues, including synthetic identity fraud and credit washing Tax reform (Tax Cuts and Jobs Act of the 115th Congress and Americas Job Plan): issues related to net operating loss (NOL) carryback provision, corporate tax rate Issues relating to the Consumer Financial Protection Bureau, including ESIGN, implementation of Sec. 1071, late fee proposed rule, and general credit card issues Issues relating to the Financial Stability Oversight Council and the Federal Accounting Standards Boards Current Expected Credit Loss (CECL) standards Issues relating to consumer credit (including Buy Now and Pay Later and the MAPR of the Military Lending Act, and proposed credit card rate caps) including S. 2760, S. 2730, S.A. 1225 to H.R. 4366, and S.A. 1285 to H.R. 4366 Issues relating to privacy (no bill); Issues relating to data security (no bill); Issues relating to cybersecurity of the financial services industry (no bill); Issues relating to FCC interpretations of the Telephone Consumer Protection Act (TCPA) (no bill) Issues related to diversity and inclusion (no bill) Industrial Loan Company Issues (no bill) Issues related to arbitration in consumer agreements Issues related to pandemic effects on supply chain and global trade (no bill) Issues related to payment card acceptance in connection with health, wellness, and related services (no bill)

Implementation of Public Law 115-174 (S. 2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act: entire bill, including Social Security Administration to modernize identification verification system) Identity and Fraud issues, including synthetic identity fraud and credit washing Tax reform (Tax Cuts and Jobs Act of the 115th Congress and Americas Job Plan): issues related to net operating loss (NOL) carryback provision, corporate tax rate Issues relating to the Consumer Financial Protection Bureau, including ESIGN, implementation of Sec. 1071, late fee proposed rule, and general credit card issues Issues relating to the Financial Stability Oversight Council and the Federal Accounting Standards Boards Current Expected Credit Loss (CECL) standards Issues relating to consumer credit (including Buy Now and Pay Later and the MAPR of the Military Lending Act, and proposed credit card rate caps) including S. 2760, S. 2730, S.A. 1225 to H.R. 4366, and S.A. 1285 to H.R. 4366 Issues relating to privacy (no bill); Issues relating to data security (no bill); Issues relating to cybersecurity of the financial services industry (no bill); Issues relating to FCC interpretations of the Telephone Consumer Protection Act (TCPA) (no bill) Issues related to diversity and inclusion (no bill) Industrial Loan Company Issues (no bill) Issues related to arbitration in consumer agreements Issues related to pandemic effects on supply chain and global trade (no bill) Issues related to payment card acceptance in connection with health, wellness, and related services (no bill)

Implementation of Public Law 115-174 (S. 2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act: entire bill, including Social Security Administration to modernize identification verification system) Identity and Fraud issues, including synthetic identity fraud and credit washing Tax reform (Tax Cuts and Jobs Act of the 115th Congress and Americas Job Plan): issues related to net operating loss (NOL) carryback provision, corporate tax rate Issues relating to the Consumer Financial Protection Bureau, including ESIGN, implementation of Sec. 1071, late fee proposed rule, and general credit card issues Issues relating to the Financial Stability Oversight Council and the Federal Accounting Standards Boards Current Expected Credit Loss (CECL) standards Issues relating to consumer credit (including Buy Now and Pay Later and the MAPR of the Military Lending Act, and proposed credit card rate caps) including S. 2760, S. 2730, S.A. 1225 to H.R. 4366, and S.A. 1285 to H.R. 4366 Issues relating to privacy (no bill); Issues relating to data security (no bill); Issues relating to cybersecurity of the financial services industry (no bill); Issues relating to FCC interpretations of the Telephone Consumer Protection Act (TCPA) (no bill) Issues related to diversity and inclusion (no bill) Industrial Loan Company Issues (no bill) Issues related to arbitration in consumer agreements Issues related to pandemic effects on supply chain and global trade (no bill) Issues related to payment card acceptance in connection with health, wellness, and related services (no bill)

Implementation of Public Law 115-174 (S. 2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act: entire bill, including Social Security Administration to modernize identification verification system) Identity and Fraud issues, including synthetic identity fraud and credit washing Tax reform (Tax Cuts and Jobs Act of the 115th Congress and Americas Job Plan): issues related to net operating loss (NOL) carryback provision, corporate tax rate Issues relating to the Consumer Financial Protection Bureau, including ESIGN, implementation of Sec. 1071, late fee proposed rule, and general credit card issues Issues relating to the Financial Stability Oversight Council and the Federal Accounting Standards Boards Current Expected Credit Loss (CECL) standards Issues relating to consumer credit (including Buy Now and Pay Later and the MAPR of the Military Lending Act, and proposed credit card rate caps) including S. 2760, S. 2730, S.A. 1225 to H.R. 4366, and S.A. 1285 to H.R. 4366 Issues relating to privacy (no bill); Issues relating to data security (no bill); Issues relating to cybersecurity of the financial services industry (no bill); Issues relating to FCC interpretations of the Telephone Consumer Protection Act (TCPA) (no bill) Issues related to diversity and inclusion (no bill) Industrial Loan Company Issues (no bill) Issues related to arbitration in consumer agreements Issues related to pandemic effects on supply chain and global trade (no bill) Issues related to payment card acceptance in connection with health, wellness, and related services (no bill)

Implementation of Public Law 115-174 (S. 2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act: entire bill, including Social Security Administration to modernize identification verification system) Identity and Fraud issues, including synthetic identity fraud and credit washing Tax reform (Tax Cuts and Jobs Act of the 115th Congress and Americas Job Plan): issues related to net operating loss (NOL) carryback provision, corporate tax rate Issues relating to the Consumer Financial Protection Bureau, including ESIGN, implementation of Sec. 1071, late fee proposed rule, and general credit card issues Issues relating to the Financial Stability Oversight Council and the Federal Accounting Standards Boards Current Expected Credit Loss (CECL) standards Issues relating to consumer credit (including Buy Now and Pay Later and the MAPR of the Military Lending Act, and proposed credit card rate caps) including S. 2760, S. 2730, S.A. 1225 to H.R. 4366, and S.A. 1285 to H.R. 4366 Issues relating to privacy (no bill); Issues relating to data security (no bill); Issues relating to cybersecurity of the financial services industry (no bill); Issues relating to FCC interpretations of the Telephone Consumer Protection Act (TCPA) (no bill) Issues related to diversity and inclusion (no bill) Industrial Loan Company Issues (no bill) Issues related to arbitration in consumer agreements Issues related to pandemic effects on supply chain and global trade (no bill) Issues related to payment card acceptance in connection with health, wellness, and related services (no bill)

Implementation of Public Law 115-174 (S. 2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act: entire bill, including Social Security Administration to modernize identification verification system) Identity and Fraud issues, including synthetic identity fraud and credit washing Tax reform (Tax Cuts and Jobs Act of the 115th Congress and Americas Job Plan): issues related to net operating loss (NOL) carryback provision, corporate tax rate Issues relating to the Consumer Financial Protection Bureau, including ESIGN, implementation of Sec. 1071, late fee proposed rule, and general credit card issues Issues relating to the Financial Stability Oversight Council and the Federal Accounting Standards Boards Current Expected Credit Loss (CECL) standards Issues relating to consumer credit (including Buy Now and Pay Later and the MAPR of the Military Lending Act, and proposed credit card rate caps) including S. 2760, S. 2730, S.A. 1225 to H.R. 4366, and S.A. 1285 to H.R. 4366 Issues relating to privacy (no bill); Issues relating to data security (no bill); Issues relating to cybersecurity of the financial services industry (no bill); Issues relating to FCC interpretations of the Telephone Consumer Protection Act (TCPA) (no bill) Issues related to diversity and inclusion (no bill) Industrial Loan Company Issues (no bill) Issues related to arbitration in consumer agreements Issues related to pandemic effects on supply chain and global trade (no bill) Issues related to payment card acceptance in connection with health, wellness, and related services (no bill)

Implementation of Public Law 115-174 (S. 2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act: entire bill, including Social Security Administration to modernize identification verification system) Identity and Fraud issues, including synthetic identity fraud and credit washing Tax reform (Tax Cuts and Jobs Act of the 115th Congress and Americas Job Plan): issues related to net operating loss (NOL) carryback provision, corporate tax rate Issues relating to the Consumer Financial Protection Bureau, including ESIGN, implementation of Sec. 1071, late fee proposed rule, and general credit card issues Issues relating to the Financial Stability Oversight Council and the Federal Accounting Standards Boards Current Expected Credit Loss (CECL) standards Issues relating to consumer credit (including Buy Now and Pay Later and the MAPR of the Military Lending Act, and proposed credit card rate caps) including S. 2760, S. 2730, S.A. 1225 to H.R. 4366, and S.A. 1285 to H.R. 4366 Issues relating to privacy (no bill); Issues relating to data security (no bill); Issues relating to cybersecurity of the financial services industry (no bill); Issues relating to FCC interpretations of the Telephone Consumer Protection Act (TCPA) (no bill) Issues related to diversity and inclusion (no bill) Industrial Loan Company Issues (no bill) Issues related to arbitration in consumer agreements Issues related to pandemic effects on supply chain and global trade (no bill) Issues related to payment card acceptance in connection with health, wellness, and related services (no bill)

Implementation of Public Law 115-174 (S. 2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act: entire bill, including Social Security Administration to modernize identification verification system) Identity and Fraud issues, including synthetic identity fraud and credit washing Tax reform (Tax Cuts and Jobs Act of the 115th Congress and Americas Job Plan): issues related to net operating loss (NOL) carryback provision, corporate tax rate Issues relating to the Consumer Financial Protection Bureau, including ESIGN, implementation of Sec. 1071, late fee proposed rule, and general credit card issues Issues relating to the Financial Stability Oversight Council and the Federal Accounting Standards Boards Current Expected Credit Loss (CECL) standards Issues relating to consumer credit (including Buy Now and Pay Later and the MAPR of the Military Lending Act, and proposed credit card rate caps) including S. 2760, S. 2730, S.A. 1225 to H.R. 4366, and S.A. 1285 to H.R. 4366 Issues relating to privacy (no bill); Issues relating to data security (no bill); Issues relating to cybersecurity of the financial services industry (no bill); Issues relating to FCC interpretations of the Telephone Consumer Protection Act (TCPA) (no bill) Issues related to diversity and inclusion (no bill) Industrial Loan Company Issues (no bill) Issues related to arbitration in consumer agreements Issues related to pandemic effects on supply chain and global trade (no bill) Issues related to payment card acceptance in connection with health, wellness, and related services (no bill)

Implementation of Public Law 115-174 (S. 2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act: entire bill, including Social Security Administration to modernize identification verification system) Identity and Fraud issues, including synthetic identity fraud and credit washing Tax reform (Tax Cuts and Jobs Act of the 115th Congress and Americas Job Plan): issues related to net operating loss (NOL) carryback provision, corporate tax rate Issues relating to the Consumer Financial Protection Bureau, including ESIGN, implementation of Sec. 1071, late fee proposed rule, and general credit card issues Issues relating to the Financial Stability Oversight Council and the Federal Accounting Standards Boards Current Expected Credit Loss (CECL) standards Issues relating to consumer credit (including Buy Now and Pay Later and the MAPR of the Military Lending Act, and proposed credit card rate caps) including S. 2760, S. 2730, S.A. 1225 to H.R. 4366, and S.A. 1285 to H.R. 4366 Issues relating to privacy (no bill); Issues relating to data security (no bill); Issues relating to cybersecurity of the financial services industry (no bill); Issues relating to FCC interpretations of the Telephone Consumer Protection Act (TCPA) (no bill) Issues related to diversity and inclusion (no bill) Industrial Loan Company Issues (no bill) Issues related to arbitration in consumer agreements Issues related to pandemic effects on supply chain and global trade (no bill) Issues related to payment card acceptance in connection with health, wellness, and related services (no bill)

Implementation of Public Law 115-174 (S. 2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act: entire bill, including Social Security Administration to modernize identification verification system) Identity and Fraud issues, including synthetic identity fraud and credit washing Tax reform (Tax Cuts and Jobs Act of the 115th Congress and Americas Job Plan): issues related to net operating loss (NOL) carryback provision, corporate tax rate Issues relating to the Consumer Financial Protection Bureau, including ESIGN, implementation of Sec. 1071, late fee proposed rule, and general credit card issues Issues relating to the Financial Stability Oversight Council and the Federal Accounting Standards Boards Current Expected Credit Loss (CECL) standards Issues relating to consumer credit (including Buy Now and Pay Later and the MAPR of the Military Lending Act, and proposed credit card rate caps) including S. 2760, S. 2730, S.A. 1225 to H.R. 4366, and S.A. 1285 to H.R. 4366 Issues relating to privacy (no bill); Issues relating to data security (no bill); Issues relating to cybersecurity of the financial services industry (no bill); Issues relating to FCC interpretations of the Telephone Consumer Protection Act (TCPA) (no bill) Issues related to diversity and inclusion (no bill) Industrial Loan Company Issues (no bill) Issues related to arbitration in consumer agreements Issues related to pandemic effects on supply chain and global trade (no bill) Issues related to payment card acceptance in connection with health, wellness, and related services (no bill)

Implementation of Public Law 115-174 (S. 2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act: entire bill, including Social Security Administration to modernize identification verification system) Identity and Fraud issues, including synthetic identity fraud and credit washing Tax reform (Tax Cuts and Jobs Act of the 115th Congress and Americas Job Plan): issues related to net operating loss (NOL) carryback provision, corporate tax rate Issues relating to the Consumer Financial Protection Bureau, including ESIGN, implementation of Sec. 1071, late fee proposed rule, and general credit card issues Issues relating to the Financial Stability Oversight Council and the Federal Accounting Standards Boards Current Expected Credit Loss (CECL) standards Issues relating to consumer credit (including Buy Now and Pay Later and the MAPR of the Military Lending Act, and proposed credit card rate caps) including S. 2760, S. 2730, S.A. 1225 to H.R. 4366, and S.A. 1285 to H.R. 4366 Issues relating to privacy (no bill); Issues relating to data security (no bill); Issues relating to cybersecurity of the financial services industry (no bill); Issues relating to FCC interpretations of the Telephone Consumer Protection Act (TCPA) (no bill) Issues related to diversity and inclusion (no bill) Industrial Loan Company Issues (no bill) Issues related to arbitration in consumer agreements Issues related to pandemic effects on supply chain and global trade (no bill) Issues related to payment card acceptance in connection with health, wellness, and related services (no bill)

Implementation of Public Law 115-174 (S. 2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act: entire bill, including Social Security Administration to modernize identification verification system) Identity and Fraud issues, including synthetic identity fraud and credit washing Tax reform (Tax Cuts and Jobs Act of the 115th Congress and Americas Job Plan): issues related to net operating loss (NOL) carryback provision, corporate tax rate Issues relating to the Consumer Financial Protection Bureau, including ESIGN, implementation of Sec. 1071, late fee proposed rule, and general credit card issues Issues relating to the Financial Stability Oversight Council and the Federal Accounting Standards Boards Current Expected Credit Loss (CECL) standards Issues relating to consumer credit (including Buy Now and Pay Later and the MAPR of the Military Lending Act, and proposed credit card rate caps) including S. 2760, S. 2730, S.A. 1225 to H.R. 4366, and S.A. 1285 to H.R. 4366 Issues relating to privacy (no bill); Issues relating to data security (no bill); Issues relating to cybersecurity of the financial services industry (no bill); Issues relating to FCC interpretations of the Telephone Consumer Protection Act (TCPA) (no bill) Issues related to diversity and inclusion (no bill) Industrial Loan Company Issues (no bill) Issues related to arbitration in consumer agreements Issues related to pandemic effects on supply chain and global trade (no bill) Issues related to payment card acceptance in connection with health, wellness, and related services (no bill)

Implementation of Public Law 115-174 (S. 2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act: entire bill, including Social Security Administration to modernize identification verification system) Identity and Fraud issues, including synthetic identity fraud and credit washing Tax reform (Tax Cuts and Jobs Act of the 115th Congress and Americas Job Plan): issues related to net operating loss (NOL) carryback provision, corporate tax rate Issues relating to the Consumer Financial Protection Bureau, including ESIGN, implementation of Sec. 1071, late fee proposed rule, and general credit card issues Issues relating to the Financial Stability Oversight Council and the Federal Accounting Standards Boards Current Expected Credit Loss (CECL) standards Issues relating to consumer credit (including Buy Now and Pay Later and the MAPR of the Military Lending Act, and proposed credit card rate caps) including S. 2760, S. 2730, S.A. 1225 to H.R. 4366, and S.A. 1285 to H.R. 4366 Issues relating to privacy (no bill); Issues relating to data security (no bill); Issues relating to cybersecurity of the financial services industry (no bill); Issues relating to FCC interpretations of the Telephone Consumer Protection Act (TCPA) (no bill) Issues related to diversity and inclusion (no bill) Industrial Loan Company Issues (no bill) Issues related to arbitration in consumer agreements Issues related to pandemic effects on supply chain and global trade (no bill) Issues related to payment card acceptance in connection with health, wellness, and related services (no bill)

Implementation of Public Law 115-174 (S. 2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act: entire bill, including Social Security Administration to modernize identification verification system) Identity and Fraud issues, including synthetic identity fraud and credit washing Tax reform (Tax Cuts and Jobs Act of the 115th Congress and Americas Job Plan): issues related to net operating loss (NOL) carryback provision, corporate tax rate Issues relating to the Consumer Financial Protection Bureau, including ESIGN, implementation of Sec. 1071, late fee proposed rule, and general credit card issues Issues relating to the Financial Stability Oversight Council and the Federal Accounting Standards Boards Current Expected Credit Loss (CECL) standards Issues relating to consumer credit (including Buy Now and Pay Later, the MAPR of the Military Lending Act, and proposed credit card rate caps); including S. 2760, S. 2730, S.A. 1225 to H.R. 4366, and S.A. 1285 to H.R. 4366. Issues relating to privacy (no bill); Issues relating to data security (no bill); Issues relating to cybersecurity of the financial services industry (no bill); Issues relating to FCC interpretations of the Telephone Consumer Protection Act (TCPA) (no bill) Issues related to diversity and inclusion (no bill) Industrial Loan Company Issues (no bill) Issues related to arbitration in consumer agreements Issues related to pandemic effects on supply chain and global trade (no bill) Issues related to payment card acceptance in connection with health, wellness, and related services (no bill)

Implementation of Public Law 115-174 (S. 2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act: entire bill, including Social Security Administration to modernize identification verification system) Identity and Fraud issues, including synthetic identity fraud and credit washing Tax reform (Tax Cuts and Jobs Act of the 115th Congress and Americas Job Plan): issues related to net operating loss (NOL) carryback provision, corporate tax rate Issues relating to the Consumer Financial Protection Bureau, including ESIGN, implementation of Sec. 1071, late fee proposed rule, and general credit card issues Issues relating to the Financial Stability Oversight Council and the Federal Accounting Standards Boards Current Expected Credit Loss (CECL) standards Issues relating to consumer credit (including Buy Now and Pay Later, the MAPR of the Military Lending Act, and proposed credit card rate caps); including S. 2760, S. 2730, S.A. 1225 to H.R. 4366, and S.A. 1285 to H.R. 4366. Issues relating to privacy (no bill); Issues relating to data security (no bill); Issues relating to cybersecurity of the financial services industry (no bill); Issues relating to FCC interpretations of the Telephone Consumer Protection Act (TCPA) (no bill) Issues related to diversity and inclusion (no bill) Industrial Loan Company Issues (no bill) Issues related to arbitration in consumer agreements Issues related to pandemic effects on supply chain and global trade (no bill) Issues related to payment card acceptance in connection with health, wellness, and related services (no bill)

Implementation of Public Law 115-174 (S. 2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act: entire bill, including Social Security Administration to modernize identification verification system) Identity and Fraud issues, including synthetic identity fraud and credit washing Tax reform (Tax Cuts and Jobs Act of the 115th Congress and Americas Job Plan): issues related to net operating loss (NOL) carryback provision, corporate tax rate Issues relating to the Consumer Financial Protection Bureau, including ESIGN, implementation of Sec. 1071, late fee proposed rule, and general credit card issues Issues relating to the Financial Stability Oversight Council and the Federal Accounting Standards Boards Current Expected Credit Loss (CECL) standards Issues relating to consumer credit (including Buy Now and Pay Later, the MAPR of the Military Lending Act, and proposed credit card rate caps); including S. 2760, S. 2730, S.A. 1225 to H.R. 4366, and S.A. 1285 to H.R. 4366. Issues relating to privacy (no bill); Issues relating to data security (no bill); Issues relating to cybersecurity of the financial services industry (no bill); Issues relating to FCC interpretations of the Telephone Consumer Protection Act (TCPA) (no bill) Issues related to diversity and inclusion (no bill) Industrial Loan Company Issues (no bill) Issues related to arbitration in consumer agreements Issues related to pandemic effects on supply chain and global trade (no bill) Issues related to payment card acceptance in connection with health, wellness, and related services (no bill)

Implementation of Public Law 115-174 (S. 2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act: entire bill, including Social Security Administration to modernize identification verification system) Identity and Fraud issues, including synthetic identity fraud and credit washing Tax reform (Tax Cuts and Jobs Act of the 115th Congress and Americas Job Plan): issues related to net operating loss (NOL) carryback provision, corporate tax rate Issues relating to the Consumer Financial Protection Bureau, including ESIGN, implementation of Sec. 1071, late fee proposed rule, and general credit card issues Issues relating to the Financial Stability Oversight Council and the Federal Accounting Standards Boards Current Expected Credit Loss (CECL) standards Issues relating to consumer credit (including Buy Now and Pay Later, the MAPR of the Military Lending Act, and proposed credit card rate caps); including S. 2760, S. 2730, S.A. 1225 to H.R. 4366, and S.A. 1285 to H.R. 4366. Issues relating to privacy (no bill); Issues relating to data security (no bill); Issues relating to cybersecurity of the financial services industry (no bill); Issues relating to FCC interpretations of the Telephone Consumer Protection Act (TCPA) (no bill) Issues related to diversity and inclusion (no bill) Industrial Loan Company Issues (no bill) Issues related to arbitration in consumer agreements Issues related to pandemic effects on supply chain and global trade (no bill) Issues related to payment card acceptance in connection with health, wellness, and related services (no bill)

Implementation of Public Law 115-174 (S. 2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act: entire bill, including Social Security Administration to modernize identification verification system) Identity and Fraud issues, including synthetic identity fraud and credit washing Tax reform (Tax Cuts and Jobs Act of the 115th Congress and Americas Job Plan): issues related to net operating loss (NOL) carryback provision, corporate tax rate Issues relating to the Consumer Financial Protection Bureau, including ESIGN, implementation of Sec. 1071, late fee proposed rule, and general credit card issues Issues relating to the Financial Stability Oversight Council and the Federal Accounting Standards Boards Current Expected Credit Loss (CECL) standards Issues relating to consumer credit (including Buy Now and Pay Later, the MAPR of the Military Lending Act, and proposed credit card rate caps); including S. 2760, S. 2730, S.A. 1225 to H.R. 4366, and S.A. 1285 to H.R. 4366. Issues relating to privacy (no bill); Issues relating to data security (no bill); Issues relating to cybersecurity of the financial services industry (no bill); Issues relating to FCC interpretations of the Telephone Consumer Protection Act (TCPA) (no bill) Issues related to diversity and inclusion (no bill) Industrial Loan Company Issues (no bill) Issues related to arbitration in consumer agreements Issues related to pandemic effects on supply chain and global trade (no bill) Issues related to payment card acceptance in connection with health, wellness, and related services (no bill)

Implementation of Public Law 115-174 (S. 2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act: entire bill, including Social Security Administration to modernize identification verification system) Identity and Fraud issues, including synthetic identity fraud and credit washing Tax reform (Tax Cuts and Jobs Act of the 115th Congress and Americas Job Plan): issues related to net operating loss (NOL) carryback provision, corporate tax rate Issues relating to the Consumer Financial Protection Bureau, including ESIGN, implementation of Sec. 1071, late fee proposed rule, and general credit card issues Issues relating to the Financial Stability Oversight Council and the Federal Accounting Standards Boards Current Expected Credit Loss (CECL) standards Issues relating to consumer credit (including Buy Now and Pay Later, the MAPR of the Military Lending Act, and proposed credit card rate caps); including S. 2760, S. 2730, S.A. 1225 to H.R. 4366, and S.A. 1285 to H.R. 4366. Issues relating to privacy (no bill); Issues relating to data security (no bill); Issues relating to cybersecurity of the financial services industry (no bill); Issues relating to FCC interpretations of the Telephone Consumer Protection Act (TCPA) (no bill) Issues related to diversity and inclusion (no bill) Industrial Loan Company Issues (no bill) Issues related to arbitration in consumer agreements Issues related to pandemic effects on supply chain and global trade (no bill) Issues related to payment card acceptance in connection with health, wellness, and related services (no bill)

Implementation of Public Law 115-174 (S. 2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act: entire bill, including Social Security Administration to modernize identification verification system) Identity and Fraud issues, including synthetic identity fraud and credit washing Tax reform (Tax Cuts and Jobs Act of the 115th Congress and Americas Job Plan): issues related to net operating loss (NOL) carryback provision, corporate tax rate Issues relating to the Consumer Financial Protection Bureau, including ESIGN, implementation of Sec. 1071, late fee proposed rule, and general credit card issues Issues relating to the Financial Stability Oversight Council and the Federal Accounting Standards Boards Current Expected Credit Loss (CECL) standards Issues relating to consumer credit (including Buy Now and Pay Later and the MAPR of the Military Lending Act, and proposed credit card rate caps) including S. 2760, S. 2730, S.A. 1225 to H.R. 4366, and S.A. 1285 to H.R. 4366 Issues relating to privacy (no bill); Issues relating to data security (no bill); Issues relating to cybersecurity of the financial services industry (no bill); Issues relating to FCC interpretations of the Telephone Consumer Protection Act (TCPA) (no bill) Issues related to diversity and inclusion (no bill) Industrial Loan Company Issues (no bill) Issues related to arbitration in consumer agreements Issues related to pandemic effects on supply chain and global trade (no bill) Issues related to payment card acceptance in connection with health, wellness, and related services (no bill)

Implementation of Public Law 115-174 (S. 2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act: entire bill, including Social Security Administration to modernize identification verification system) Identity and Fraud issues, including synthetic identity fraud and credit washing Tax reform (Tax Cuts and Jobs Act of the 115th Congress and Americas Job Plan): issues related to net operating loss (NOL) carryback provision, corporate tax rate Issues relating to the Consumer Financial Protection Bureau, including ESIGN, implementation of Sec. 1071, late fee proposed rule, and general credit card issues Issues relating to the Financial Stability Oversight Council and the Federal Accounting Standards Boards Current Expected Credit Loss (CECL) standards Issues relating to consumer credit (including Buy Now and Pay Later and the MAPR of the Military Lending Act, and proposed credit card rate caps) including S. 2760, S. 2730, S.A. 1225 to H.R. 4366, and S.A. 1285 to H.R. 4366 Issues relating to privacy (no bill); Issues relating to data security (no bill); Issues relating to cybersecurity of the financial services industry (no bill); Issues relating to FCC interpretations of the Telephone Consumer Protection Act (TCPA) (no bill) Issues related to diversity and inclusion (no bill) Industrial Loan Company Issues (no bill) Issues related to arbitration in consumer agreements Issues related to pandemic effects on supply chain and global trade (no bill) Issues related to payment card acceptance in connection with health, wellness, and related services (no bill)

Implementation of Public Law 115-174 (S. 2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act: entire bill, including Social Security Administration to modernize identification verification system) Identity and Fraud issues, including synthetic identity fraud and credit washing Tax reform (Tax Cuts and Jobs Act of the 115th Congress and Americas Job Plan): issues related to net operating loss (NOL) carryback provision, corporate tax rate Issues relating to the Consumer Financial Protection Bureau, including ESIGN, implementation of Sec. 1071, late fee proposed rule, and general credit card issues Issues relating to the Financial Stability Oversight Council and the Federal Accounting Standards Boards Current Expected Credit Loss (CECL) standards Issues relating to consumer credit (including Buy Now and Pay Later, the MAPR of the Military Lending Act, and proposed credit card rate caps); including S. 2760, S. 2730, S.A. 1225 to H.R. 4366, and S.A. 1285 to H.R. 4366. Issues relating to privacy (no bill); Issues relating to data security (no bill); Issues relating to cybersecurity of the financial services industry (no bill); Issues relating to FCC interpretations of the Telephone Consumer Protection Act (TCPA) (no bill) Issues related to diversity and inclusion (no bill) Industrial Loan Company Issues (no bill) Issues related to arbitration in consumer agreements Issues related to pandemic effects on supply chain and global trade (no bill) Issues related to payment card acceptance in connection with health, wellness, and related services (no bill)

Issues relating to credit card competition Implementation of Public Law 115-174 (S. 2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act: entire bill, including Social Security Administration to modernize identification verification system) Identity and Fraud issues, including synthetic identity fraud and credit washing Tax reform (Tax Cuts and Jobs Act of the 115th Congress and Americas Job Plan): issues related to net operating loss (NOL) carryback provision, corporate tax rate Issues relating to the Consumer Financial Protection Bureau, including ESIGN, implementation of Sec. 1071, and general credit card issues Issues relating to the Financial Stability Oversight Council and the Federal Accounting Standards Boards Current Expected Credit Loss (CECL) standards Issues relating to consumer credit (including Buy Now and Pay Later and the MAPR of the Military Lending Act) Issues relating to privacy (no bill); Issues relating to data security (no bill); Issues relating to cybersecurity of the financial services industry (no bill); Issues relating to FCC interpretations of the Telephone Consumer Protection Act (TCPA) (no bill) Issues related to diversity and inclusion (no bill) Industrial Loan Company Issues no bill) Issues related to arbitration in consumer agreements Issues related to pandemic effects on supply chain and global trade (no bill) Issues related to payment card acceptance in connection with health, wellness, and related services (no bill)

Implementation of Public Law 115-174 (S. 2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act: entire bill, including Social Security Administration to modernize identification verification system) Identity and Fraud issues, including synthetic identity fraud and credit washing Tax reform (Tax Cuts and Jobs Act of the 115th Congress and Americas Job Plan): issues related to net operating loss (NOL) carryback provision, corporate tax rate Issues relating to the Consumer Financial Protection Bureau, including ESIGN, implementation of Sec. 1071, late fee proposed rule, and general credit card issues Issues relating to the Financial Stability Oversight Council and the Federal Accounting Standards Boards Current Expected Credit Loss (CECL) standards Issues relating to consumer credit (including Buy Now and Pay Later and the MAPR of the Military Lending Act, and proposed credit card rate caps) including S. 2760, S. 2730, S.A. 1225 to H.R. 4366, and S.A. 1285 to H.R. 4366 Issues relating to privacy (no bill); Issues relating to data security (no bill); Issues relating to cybersecurity of the financial services industry (no bill); Issues relating to FCC interpretations of the Telephone Consumer Protection Act (TCPA) (no bill) Issues related to diversity and inclusion (no bill) Industrial Loan Company Issues (no bill) Issues related to arbitration in consumer agreements Issues related to pandemic effects on supply chain and global trade (no bill) Issues related to payment card acceptance in connection with health, wellness, and related services (no bill)

Implementation of Public Law 115-174 (S. 2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act: entire bill, including Social Security Administration to modernize identification verification system) Identity and Fraud issues, including synthetic identity fraud and credit washing Tax reform (Tax Cuts and Jobs Act of the 115th Congress and Americas Job Plan): issues related to net operating loss (NOL) carryback provision, corporate tax rate Issues relating to the Consumer Financial Protection Bureau, including ESIGN, implementation of Sec. 1071, late fee proposed rule, and general credit card issues Issues relating to the Financial Stability Oversight Council and the Federal Accounting Standards Boards Current Expected Credit Loss (CECL) standards Issues relating to consumer credit (including Buy Now and Pay Later, the MAPR of the Military Lending Act, and proposed credit card rate caps); including S. 2760, S. 2730, S.A. 1225 to H.R. 4366, and S.A. 1285 to H.R. 4366. Issues relating to privacy (no bill); Issues relating to data security (no bill); Issues relating to cybersecurity of the financial services industry (no bill); Issues relating to FCC interpretations of the Telephone Consumer Protection Act (TCPA) (no bill) Issues related to diversity and inclusion (no bill) Industrial Loan Company Issues (no bill) Issues related to arbitration in consumer agreements Issues related to pandemic effects on supply chain and global trade (no bill) Issues related to payment card acceptance in connection with health, wellness, and related services (no bill)

Implementation of Public Law 115-174 (S. 2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act: entire bill, including Social Security Administration to modernize identification verification system) Identity and Fraud issues, including synthetic identity fraud and credit washing Tax reform (Tax Cuts and Jobs Act of the 115th Congress and Americas Job Plan): issues related to net operating loss (NOL) carryback provision, corporate tax rate Issues relating to the Consumer Financial Protection Bureau, including ESIGN, implementation of Sec. 1071, late fee proposed rule, and general credit card issues Issues relating to the Financial Stability Oversight Council and the Federal Accounting Standards Boards Current Expected Credit Loss (CECL) standards Issues relating to consumer credit (including Buy Now and Pay Later and the MAPR of the Military Lending Act, and proposed credit card rate caps) including S. 2760, S. 2730, S.A. 1225 to H.R. 4366, and S.A. 1285 to H.R. 4366 Issues relating to privacy (no bill); Issues relating to data security (no bill); Issues relating to cybersecurity of the financial services industry (no bill); Issues relating to FCC interpretations of the Telephone Consumer Protection Act (TCPA) (no bill) Issues related to diversity and inclusion (no bill) Industrial Loan Company Issues (no bill) Issues related to arbitration in consumer agreements Issues related to pandemic effects on supply chain and global trade (no bill) Issues related to payment card acceptance in connection with health, wellness, and related services (no bill)

Issues relating to credit card competition Implementation of Public Law 115-174 (S. 2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act: entire bill, including Social Security Administration to modernize identification verification system) Identity and Fraud issues, including synthetic identity fraud and credit washing Tax reform (Tax Cuts and Jobs Act of the 115th Congress and Americas Job Plan): issues related to net operating loss (NOL) carryback provision, corporate tax rate Issues relating to the Consumer Financial Protection Bureau, including ESIGN, implementation of Sec. 1071, and general credit card issues Issues relating to the Financial Stability Oversight Council and the Federal Accounting Standards Boards Current Expected Credit Loss (CECL) standards Issues relating to consumer credit (including Buy Now and Pay Later and the MAPR of the Military Lending Act) Issues relating to privacy; Issues relating to data security (no bill); Issues relating to cybersecurity of the financial services industry (no bill); Issues relating to FCC interpretations of the Telephone Consumer Protection Act (TCPA) (no bill) Issues related to diversity and inclusion (no bill) Industrial Loan Company Issues Issues related to arbitration in consumer agreements Issues related to pandemic effects on supply chain and global trade Issues related to payment card acceptance at hospitals (no bill)

Issues relating to credit card competition Implementation of Public Law 115-174 (S. 2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act: entire bill, including Social Security Administration to modernize identification verification system) Identity and Fraud issues, including synthetic identity fraud and credit washing Tax reform (Tax Cuts and Jobs Act of the 115th Congress and Americas Job Plan): issues related to net operating loss (NOL) carryback provision, corporate tax rate Issues relating to the Consumer Financial Protection Bureau, including ESIGN, implementation of Sec. 1071, and general credit card issues Issues relating to the Financial Stability Oversight Council and the Federal Accounting Standards Boards Current Expected Credit Loss (CECL) standards Issues relating to consumer credit (including Buy Now and Pay Later and the MAPR of the Military Lending Act) Issues relating to privacy; Issues relating to data security (no bill); Issues relating to cybersecurity of the financial services industry (no bill); Issues relating to FCC interpretations of the Telephone Consumer Protection Act (TCPA) (no bill); Issues related to diversity and inclusion (no bill); Industrial Loan Company Issues (no bill) Issues related to arbitration in consumer agreements Issues related to pandemic effects on supply chain and global trade Issues related to payment card acceptance at hospitals (no bill)

Issues relating to credit card competition Implementation of Public Law 115-174 (S. 2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act: entire bill, including Social Security Administration to modernize identification verification system) Identity and Fraud issues, including synthetic identity fraud and credit washing Tax reform (Tax Cuts and Jobs Act of the 115th Congress and Americas Job Plan): issues related to net operating loss (NOL) carryback provision, corporate tax rate Issues relating to the Consumer Financial Protection Bureau, including ESIGN, implementation of Sec. 1071, and general credit card issues Issues relating to the Financial Stability Oversight Council and the Federal Accounting Standards Boards Current Expected Credit Loss (CECL) standards Issues relating to consumer credit (including Buy Now and Pay Later and the MAPR of the Military Lending Act) Issues relating to privacy (no bill); Issues relating to data security (no bill); Issues relating to cybersecurity of the financial services industry (no bill); Issues relating to FCC interpretations of the Telephone Consumer Protection Act (TCPA) (no bill) Issues related to diversity and inclusion (no bill) Industrial Loan Company Issues no bill) Issues related to arbitration in consumer agreements Issues related to pandemic effects on supply chain and global trade (no bill) Issues related to payment card acceptance in connection with health, wellness, and related services (no bill)

Implementation of Public Law 115-174 (S. 2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act: entire bill, including Social Security Administration to modernize identification verification system) Identity and Fraud issues, including synthetic identity fraud and credit washing Tax reform (Tax Cuts and Jobs Act of the 115th Congress and Americas Job Plan): issues related to net operating loss (NOL) carryback provision, corporate tax rate Issues relating to the Consumer Financial Protection Bureau, including ESIGN, implementation of Sec. 1071, late fee proposed rule, and general credit card issues Issues relating to the Financial Stability Oversight Council and the Federal Accounting Standards Boards Current Expected Credit Loss (CECL) standards Issues relating to consumer credit (including Buy Now and Pay Later and the MAPR of the Military Lending Act, and proposed credit card rate caps) including S. 2760, S. 2730, S.A. 1225 to H.R. 4366, and S.A. 1285 to H.R. 4366 Issues relating to privacy (no bill); Issues relating to data security (no bill); Issues relating to cybersecurity of the financial services industry (no bill); Issues relating to FCC interpretations of the Telephone Consumer Protection Act (TCPA) (no bill) Issues related to diversity and inclusion (no bill) Industrial Loan Company Issues (no bill) Issues related to arbitration in consumer agreements Issues related to pandemic effects on supply chain and global trade (no bill) Issues related to payment card acceptance in connection with health, wellness, and related services (no bill)

Implementation of Public Law 115-174 (S. 2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act: entire bill, including Social Security Administration to modernize identification verification system) Identity and Fraud issues, including synthetic identity fraud and credit washing Tax reform (Tax Cuts and Jobs Act of the 115th Congress and Americas Job Plan): issues related to net operating loss (NOL) carryback provision, corporate tax rate Issues relating to the Consumer Financial Protection Bureau, including ESIGN, implementation of Sec. 1071, late fee proposed rule, and general credit card issues Issues relating to the Financial Stability Oversight Council and the Federal Accounting Standards Boards Current Expected Credit Loss (CECL) standards Issues relating to consumer credit (including Buy Now and Pay Later and the MAPR of the Military Lending Act, and proposed credit card rate caps) including S. 2760, S. 2730, S.A. 1225 to H.R. 4366, and S.A. 1285 to H.R. 4366 Issues relating to privacy (no bill); Issues relating to data security (no bill); Issues relating to cybersecurity of the financial services industry (no bill); Issues relating to FCC interpretations of the Telephone Consumer Protection Act (TCPA) (no bill) Issues related to diversity and inclusion (no bill) Industrial Loan Company Issues (no bill) Issues related to arbitration in consumer agreements Issues related to pandemic effects on supply chain and global trade (no bill) Issues related to payment card acceptance in connection with health, wellness, and related services (no bill)

Implementation of Public Law 115-174 (S. 2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act: entire bill, including Social Security Administration to modernize identification verification system) Identity and Fraud issues, including synthetic identity fraud and credit washing Tax reform (Tax Cuts and Jobs Act of the 115th Congress and Americas Job Plan): issues related to net operating loss (NOL) carryback provision, corporate tax rate Issues relating to the Consumer Financial Protection Bureau, including ESIGN, implementation of Sec. 1071, late fee proposed rule, and general credit card issues Issues relating to the Financial Stability Oversight Council and the Federal Accounting Standards Boards Current Expected Credit Loss (CECL) standards Issues relating to consumer credit (including Buy Now and Pay Later and the MAPR of the Military Lending Act, and proposed credit card rate caps) including S. 2760, S. 2730, S.A. 1225 to H.R. 4366, and S.A. 1285 to H.R. 4366 Issues relating to privacy (no bill); Issues relating to data security (no bill); Issues relating to cybersecurity of the financial services industry (no bill); Issues relating to FCC interpretations of the Telephone Consumer Protection Act (TCPA) (no bill) Issues related to diversity and inclusion (no bill) Industrial Loan Company Issues (no bill) Issues related to arbitration in consumer agreements Issues related to pandemic effects on supply chain and global trade (no bill) Issues related to payment card acceptance in connection with health, wellness, and related services (no bill)

Implementation of Public Law 115-174 (S. 2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act: entire bill, including Social Security Administration to modernize identification verification system) Identity and Fraud issues, including synthetic identity fraud and credit washing Tax reform (Tax Cuts and Jobs Act of the 115th Congress and Americas Job Plan): issues related to net operating loss (NOL) carryback provision, corporate tax rate Issues relating to the Consumer Financial Protection Bureau, including ESIGN, implementation of Sec. 1071, late fee proposed rule, and general credit card issues Issues relating to the Financial Stability Oversight Council and the Federal Accounting Standards Boards Current Expected Credit Loss (CECL) standards Issues relating to consumer credit (including Buy Now and Pay Later and the MAPR of the Military Lending Act, and proposed credit card rate caps) including S. 2760, S. 2730, S.A. 1225 to H.R. 4366, and S.A. 1285 to H.R. 4366 Issues relating to privacy (no bill); Issues relating to data security (no bill); Issues relating to cybersecurity of the financial services industry (no bill); Issues relating to FCC interpretations of the Telephone Consumer Protection Act (TCPA) (no bill) Issues related to diversity and inclusion (no bill) Industrial Loan Company Issues (no bill) Issues related to arbitration in consumer agreements Issues related to pandemic effects on supply chain and global trade (no bill) Issues related to payment card acceptance in connection with health, wellness, and related services (no bill)

Implementation of Public Law 115-174 (S. 2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act: entire bill, including Social Security Administration to modernize identification verification system) Identity and Fraud issues, including synthetic identity fraud and credit washing Tax reform (Tax Cuts and Jobs Act of the 115th Congress and Americas Job Plan): issues related to net operating loss (NOL) carryback provision, corporate tax rate Issues relating to the Consumer Financial Protection Bureau, including ESIGN, implementation of Sec. 1071, and general credit card issues Issues relating to the Financial Stability Oversight Council and the Federal Accounting Standards Boards Current Expected Credit Loss (CECL) standards Issues relating to consumer credit, including Buy Now and Pay Later and the MAPR of the Military Lending Act (including H.R. 5974/S. 2508, the Veterans and Consumers Fair Credit Act and S. 4072, the Empowering States Rights to Protect Consumers Act); Issues relating to privacy (including H.R. 8152, the American Data Privacy and Protection Act); Issues relating to data security (no bill); Issues relating to cybersecurity of the financial services industry (no bill); Issues relating to FCC interpretations of the Telephone Consumer Protection Act (TCPA) (no bill) Issues related to diversity and inclusion (no bill) Industrial Loan Company Issues (H.R. 5912, the Close the ILC Loophole Act) Issues related to arbitration in consumer agreements Issues related to pandemic effects on supply chain and global trade (including S. 3309, the Securing Semiconductor Supply Chains Act of 2021)

Credit Card Competition Act of 2022 (S. 4674, H.R. 8874) Implementation of Public Law 115-174 (S. 2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act: entire bill, including Social Security Administration to modernize identification verification system) Identity and Fraud issues, including synthetic identity fraud and credit washing Tax reform (Tax Cuts and Jobs Act of the 115th Congress and Americas Job Plan): issues related to net operating loss (NOL) carryback provision, corporate tax rate Issues relating to the Consumer Financial Protection Bureau, including ESIGN, implementation of Sec. 1071, and general credit card issues Issues relating to the Financial Stability Oversight Council and the Federal Accounting Standards Boards Current Expected Credit Loss (CECL) standards Issues relating to consumer credit, including Buy Now and Pay Later and the MAPR of the Military Lending Act (including H.R. 5974/S. 2508, the Veterans and Consumers Fair Credit Act and S. 4072, the Empowering States Rights to Protect Consumers Act); Issues relating to privacy (including H.R. 8152, the American Data Privacy and Protection Act); Issues relating to data security (no bill); Issues relating to cybersecurity of the financial services industry (no bill); Issues relating to FCC interpretations of the Telephone Consumer Protection Act (TCPA) (no bill) Issues related to diversity and inclusion (no bill) Industrial Loan Company Issues (H.R. 5912, the Close the ILC Loophole Act) Issues related to arbitration in consumer agreements Issues related to pandemic effects on supply chain and global trade (including S. 3309, the Securing Semiconductor Supply Chains Act of 2021)

Credit Card Competition Act of 2022 (S. 4674, H.R. 8874) Implementation of Public Law 115-174 (S. 2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act: entire bill, including Social Security Administration to modernize identification verification system) Identity and Fraud issues, including synthetic identity fraud and credit washing Tax reform (Tax Cuts and Jobs Act of the 115th Congress and Americas Job Plan): issues related to net operating loss (NOL) carryback provision, corporate tax rate Issues relating to the Consumer Financial Protection Bureau, including ESIGN, implementation of Sec. 1071, and general credit card issues Issues relating to the Financial Stability Oversight Council and the Federal Accounting Standards Boards Current Expected Credit Loss (CECL) standards Issues relating to consumer credit, including Buy Now and Pay Later and the MAPR of the Military Lending Act (including H.R. 5974/S. 2508, the Veterans and Consumers Fair Credit Act and S. 4072, the Empowering States Rights to Protect Consumers Act); Issues relating to privacy (including H.R. 8152, the American Data Privacy and Protection Act); Issues relating to data security (no bill); Issues relating to cybersecurity of the financial services industry (no bill); Issues relating to FCC interpretations of the Telephone Consumer Protection Act (TCPA) (no bill) Issues related to diversity and inclusion (no bill) Industrial Loan Company Issues (H.R. 5912, the Close the ILC Loophole Act) Issues related to arbitration in consumer agreements Issues related to pandemic effects on supply chain and global trade (including S. 3309, the Securing Semiconductor Supply Chains Act of 2021)

Credit Card Competition Act of 2022 (S. 4674, H.R. 8874) Implementation of Public Law 115-174 (S. 2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act: entire bill, including Social Security Administration to modernize identification verification system) Identity and Fraud issues, including synthetic identity fraud and credit washing Tax reform (Tax Cuts and Jobs Act of the 115th Congress and Americas Job Plan): issues related to net operating loss (NOL) carryback provision, corporate tax rate Issues relating to the Consumer Financial Protection Bureau, including ESIGN, implementation of Sec. 1071, and general credit card issues Issues relating to the Financial Stability Oversight Council and the Federal Accounting Standards Boards Current Expected Credit Loss (CECL) standards Issues relating to consumer credit, including Buy Now and Pay Later and the MAPR of the Military Lending Act (including H.R. 5974/S. 2508, the Veterans and Consumers Fair Credit Act and S. 4072, the Empowering States Rights to Protect Consumers Act); Issues relating to privacy (including H.R. 8152, the American Data Privacy and Protection Act); Issues relating to data security (no bill); Issues relating to cybersecurity of the financial services industry (no bill); Issues relating to FCC interpretations of the Telephone Consumer Protection Act (TCPA) (no bill) Issues related to diversity and inclusion (no bill) Industrial Loan Company Issues (H.R. 5912, the Close the ILC Loophole Act) Issues related to arbitration in consumer agreements Issues related to pandemic effects on supply chain and global trade (including S. 3309, the Securing Semiconductor Supply Chains Act of 2021)

Credit Card Competition Act of 2022 (S. 4674, H.R. 8874) Implementation of Public Law 115-174 (S. 2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act: entire bill, including Social Security Administration to modernize identification verification system) Identity and Fraud issues, including synthetic identity fraud and credit washing Tax reform (Tax Cuts and Jobs Act of the 115th Congress and Americas Job Plan): issues related to net operating loss (NOL) carryback provision, corporate tax rate Issues relating to the Consumer Financial Protection Bureau, including ESIGN, implementation of Sec. 1071, and general credit card issues Issues relating to the Financial Stability Oversight Council and the Federal Accounting Standards Boards Current Expected Credit Loss (CECL) standards Issues relating to consumer credit, including Buy Now and Pay Later and the MAPR of the Military Lending Act (including H.R. 5974/S. 2508, the Veterans and Consumers Fair Credit Act and S. 4072, the Empowering States Rights to Protect Consumers Act); Issues relating to privacy (including H.R. 8152, the American Data Privacy and Protection Act); Issues relating to data security (no bill); Issues relating to cybersecurity of the financial services industry (no bill); Issues relating to FCC interpretations of the Telephone Consumer Protection Act (TCPA) (no bill) Issues related to diversity and inclusion (no bill) Industrial Loan Company Issues (H.R. 5912, the Close the ILC Loophole Act) Issues related to arbitration in consumer agreements Issues related to pandemic effects on supply chain and global trade (including S. 3309, the Securing Semiconductor Supply Chains Act of 2021)

Implementation of Public Law 115-174 (S. 2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act: entire bill, including Social Security Administration to modernize identification verification system) Identity and Fraud issues, including synthetic identity fraud and credit washing Tax reform (Tax Cuts and Jobs Act of the 115th Congress and Americas Job Plan): issues related to net operating loss (NOL) carryback provision, corporate tax rate Issues relating to the Consumer Financial Protection Bureau, including ESIGN, implementation of Sec. 1071, and general credit card issues Issues relating to the Financial Stability Oversight Council and the Federal Accounting Standards Boards Current Expected Credit Loss (CECL) standards Issues relating to consumer credit, including Buy Now and Pay Later and the MAPR of the Military Lending Act (including H.R. 5974/S. 2508, the Veterans and Consumers Fair Credit Act and S. 4072, the Empowering States Rights to Protect Consumers Act); Issues relating to privacy (including H.R. 8152, the American Data Privacy and Protection Act); Issues relating to data security (no bill); Issues relating to cybersecurity of the financial services industry (no bill); Issues relating to FCC interpretations of the Telephone Consumer Protection Act (TCPA) (no bill) Issues related to diversity and inclusion (no bill) Industrial Loan Company Issues (H.R. 5912, the Close the ILC Loophole Act) Issues related to arbitration in consumer agreements Issues related to pandemic effects on supply chain and global trade (including S. 3309, the Securing Semiconductor Supply Chains Act of 2021)

Credit Card Competition Act of 2022 (S. 4674, H.R. 8874) Implementation of Public Law 115-174 (S. 2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act: entire bill, including Social Security Administration to modernize identification verification system) Identity and Fraud issues, including synthetic identity fraud and credit washing Tax reform (Tax Cuts and Jobs Act of the 115th Congress and Americas Job Plan): issues related to net operating loss (NOL) carryback provision, corporate tax rate Issues relating to the Consumer Financial Protection Bureau, including ESIGN, implementation of Sec. 1071, and general credit card issues Issues relating to the Financial Stability Oversight Council and the Federal Accounting Standards Boards Current Expected Credit Loss (CECL) standards Issues relating to consumer credit, including Buy Now and Pay Later and the MAPR of the Military Lending Act (including H.R. 5974/S. 2508, the Veterans and Consumers Fair Credit Act and S. 4072, the Empowering States Rights to Protect Consumers Act); Issues relating to privacy (including H.R. 8152, the American Data Privacy and Protection Act); Issues relating to data security (no bill); Issues relating to cybersecurity of the financial services industry (no bill); Issues relating to FCC interpretations of the Telephone Consumer Protection Act (TCPA) (no bill) Issues related to diversity and inclusion (no bill) Industrial Loan Company Issues (H.R. 5912, the Close the ILC Loophole Act) Issues related to arbitration in consumer agreements Issues related to pandemic effects on supply chain and global trade (including S. 3309, the Securing Semiconductor Supply Chains Act of 2021)

Implementation of Public Law 115-174 (S. 2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act: entire bill, including Social Security Administration to modernize identification verification system) Identity and Fraud issues, including synthetic identity fraud and credit washing Tax reform (Tax Cuts and Jobs Act of the 115th Congress and Americas Job Plan): issues related to net operating loss (NOL) carryback provision, corporate tax rate Issues relating to the Consumer Financial Protection Bureau, including ESIGN, implementation of Sec. 1071, and general credit card issues Issues relating to the Financial Stability Oversight Council and the Federal Accounting Standards Boards Current Expected Credit Loss (CECL) standards Issues relating to consumer credit, including Buy Now and Pay Later and the MAPR of the Military Lending Act (including H.R. 5974/S. 2508, the Veterans and Consumers Fair Credit Act and S. 4072, the Empowering States Rights to Protect Consumers Act); Issues relating to privacy (including H.R. 8152, the American Data Privacy and Protection Act); Issues relating to data security (no bill); Issues relating to cybersecurity of the financial services industry (no bill); Issues relating to FCC interpretations of the Telephone Consumer Protection Act (TCPA) (no bill) Issues related to diversity and inclusion (no bill) Industrial Loan Company Issues (H.R. 5912, the Close the ILC Loophole Act) Issues related to arbitration in consumer agreements Issues related to pandemic effects on supply chain and global trade (including S. 3309, the Securing Semiconductor Supply Chains Act of 2021)

Implementation of Public Law 115-174 (S. 2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act: entire bill, including Social Security Administration to modernize identification verification system) Identity and Fraud issues, including synthetic identity fraud and credit washing Tax reform (Tax Cuts and Jobs Act of the 115th Congress and Americas Job Plan): issues related to net operating loss (NOL) carryback provision, corporate tax rate Issues relating to the Consumer Financial Protection Bureau, including ESIGN, implementation of Sec. 1071, and general credit card issues Issues relating to the Financial Stability Oversight Council and the Federal Accounting Standards Boards Current Expected Credit Loss (CECL) standards Issues relating to consumer credit, including Buy Now and Pay Later and the MAPR of the Military Lending Act (including H.R. 5974/S. 2508, the Veterans and Consumers Fair Credit Act and S. 4072, the Empowering States Rights to Protect Consumers Act); Issues relating to privacy (including H.R. 8152, the American Data Privacy and Protection Act); Issues relating to data security (no bill); Issues relating to cybersecurity of the financial services industry (no bill); Issues relating to FCC interpretations of the Telephone Consumer Protection Act (TCPA) (no bill) Issues related to diversity and inclusion (no bill) Industrial Loan Company Issues (H.R. 5912, the Close the ILC Loophole Act) Issues related to arbitration in consumer agreements Issues related to pandemic effects on supply chain and global trade (including S. 3309, the Securing Semiconductor Supply Chains Act of 2021)

Credit Card Competition Act of 2022 (S. 4674, H.R. 8874) Implementation of Public Law 115-174 (S. 2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act: entire bill, including Social Security Administration to modernize identification verification system) Identity and Fraud issues, including synthetic identity fraud and credit washing Tax reform (Tax Cuts and Jobs Act of the 115th Congress and Americas Job Plan): issues related to net operating loss (NOL) carryback provision, corporate tax rate Issues relating to the Consumer Financial Protection Bureau, including ESIGN, implementation of Sec. 1071, and general credit card issues Issues relating to the Financial Stability Oversight Council and the Federal Accounting Standards Boards Current Expected Credit Loss (CECL) standards Issues relating to consumer credit, including Buy Now and Pay Later and the MAPR of the Military Lending Act (including H.R. 5974/S. 2508, the Veterans and Consumers Fair Credit Act and S. 4072, the Empowering States Rights to Protect Consumers Act); Issues relating to privacy (including H.R. 8152, the American Data Privacy and Protection Act); Issues relating to data security (no bill); Issues relating to cybersecurity of the financial services industry (no bill); Issues relating to FCC interpretations of the Telephone Consumer Protection Act (TCPA) (no bill) Issues related to diversity and inclusion (no bill) Industrial Loan Company Issues (H.R. 5912, the Close the ILC Loophole Act) Issues related to arbitration in consumer agreements Issues related to pandemic effects on supply chain and global trade (including S. 3309, the Securing Semiconductor Supply Chains Act of 2021)

Credit Card Competition Act of 2022 (S. 4674, H.R. 8874) Implementation of Public Law 115-174 (S. 2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act: entire bill, including Social Security Administration to modernize identification verification system) Identity and Fraud issues, including synthetic identity fraud and credit washing Tax reform (Tax Cuts and Jobs Act of the 115th Congress and Americas Job Plan): issues related to net operating loss (NOL) carryback provision, corporate tax rate Issues relating to the Consumer Financial Protection Bureau, including ESIGN, implementation of Sec. 1071, and general credit card issues Issues relating to the Financial Stability Oversight Council and the Federal Accounting Standards Boards Current Expected Credit Loss (CECL) standards Issues relating to consumer credit, including Buy Now and Pay Later and the MAPR of the Military Lending Act (including H.R. 5974/S. 2508, the Veterans and Consumers Fair Credit Act and S. 4072, the Empowering States Rights to Protect Consumers Act); Issues relating to privacy (including H.R. 8152, the American Data Privacy and Protection Act); Issues relating to data security (no bill); Issues relating to cybersecurity of the financial services industry (no bill); Issues relating to FCC interpretations of the Telephone Consumer Protection Act (TCPA) (no bill) Issues related to diversity and inclusion (no bill) Industrial Loan Company Issues (H.R. 5912, the Close the ILC Loophole Act) Issues related to arbitration in consumer agreements Issues related to pandemic effects on supply chain and global trade (including S. 3309, the Securing Semiconductor Supply Chains Act of 2021)

Credit Card Competition Act of 2022 (S. 4674, H.R. 8874) Implementation of Public Law 115-174 (S. 2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act: entire bill, including Social Security Administration to modernize identification verification system) Identity and Fraud issues, including synthetic identity fraud and credit washing Tax reform (Tax Cuts and Jobs Act of the 115th Congress and Americas Job Plan): issues related to net operating loss (NOL) carryback provision, corporate tax rate Issues relating to the Consumer Financial Protection Bureau, including ESIGN, implementation of Sec. 1071, and general credit card issues Issues relating to the Financial Stability Oversight Council and the Federal Accounting Standards Boards Current Expected Credit Loss (CECL) standards Issues relating to consumer credit, including Buy Now and Pay Later and the MAPR of the Military Lending Act (including H.R. 5974/S. 2508, the Veterans and Consumers Fair Credit Act and S. 4072, the Empowering States Rights to Protect Consumers Act); Issues relating to privacy (including H.R. 8152, the American Data Privacy and Protection Act); Issues relating to data security (no bill); Issues relating to cybersecurity of the financial services industry (no bill); Issues relating to FCC interpretations of the Telephone Consumer Protection Act (TCPA) (no bill) Issues related to diversity and inclusion (no bill) Industrial Loan Company Issues (H.R. 5912, the Close the ILC Loophole Act) Issues related to arbitration in consumer agreements Issues related to pandemic effects on supply chain and global trade (including S. 3309, the Securing Semiconductor Supply Chains Act of 2021)

Credit Card Competition Act of 2022 (S. 4674, H.R. 8874) Implementation of Public Law 115-174 (S. 2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act: entire bill, including Social Security Administration to modernize identification verification system) Identity and Fraud issues, including synthetic identity fraud and credit washing Tax reform (Tax Cuts and Jobs Act of the 115th Congress and Americas Job Plan): issues related to net operating loss (NOL) carryback provision, corporate tax rate Issues relating to the Consumer Financial Protection Bureau, including ESIGN, implementation of Sec. 1071, and general credit card issues Issues relating to the Financial Stability Oversight Council and the Federal Accounting Standards Boards Current Expected Credit Loss (CECL) standards Issues relating to consumer credit, including Buy Now and Pay Later and the MAPR of the Military Lending Act (including H.R. 5974/S. 2508, the Veterans and Consumers Fair Credit Act and S. 4072, the Empowering States Rights to Protect Consumers Act); Issues relating to privacy (including H.R. 8152, the American Data Privacy and Protection Act); Issues relating to data security (no bill); Issues relating to cybersecurity of the financial services industry (no bill); Issues relating to FCC interpretations of the Telephone Consumer Protection Act (TCPA) (no bill) Issues related to diversity and inclusion (no bill) Industrial Loan Company Issues (H.R. 5912, the Close the ILC Loophole Act) Issues related to arbitration in consumer agreements Issues related to pandemic effects on supply chain and global trade (including S. 3309, the Securing Semiconductor Supply Chains Act of 2021)

Credit Card Competition Act of 2022 (S. 4674, H.R. 8874) Implementation of Public Law 115-174 (S. 2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act: entire bill, including Social Security Administration to modernize identification verification system) Identity and Fraud issues, including synthetic identity fraud and credit washing Tax reform (Tax Cuts and Jobs Act of the 115th Congress and Americas Job Plan): issues related to net operating loss (NOL) carryback provision, corporate tax rate Issues relating to the Consumer Financial Protection Bureau, including ESIGN, implementation of Sec. 1071, and general credit card issues Issues relating to the Financial Stability Oversight Council and the Federal Accounting Standards Boards Current Expected Credit Loss (CECL) standards Issues relating to consumer credit, including Buy Now and Pay Later and the MAPR of the Military Lending Act (including H.R. 5974/S. 2508, the Veterans and Consumers Fair Credit Act and S. 4072, the Empowering States Rights to Protect Consumers Act); Issues relating to privacy (including H.R. 8152, the American Data Privacy and Protection Act); Issues relating to data security (no bill); Issues relating to cybersecurity of the financial services industry (no bill); Issues relating to FCC interpretations of the Telephone Consumer Protection Act (TCPA) (no bill) Issues related to diversity and inclusion (no bill) Industrial Loan Company Issues (H.R. 5912, the Close the ILC Loophole Act) Issues related to arbitration in consumer agreements Issues related to pandemic effects on supply chain and global trade (including S. 3309, the Securing Semiconductor Supply Chains Act of 2021)

Credit Card Competition Act of 2022 (S. 4674, H.R. 8874) Implementation of Public Law 115-174 (S. 2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act: entire bill, including Social Security Administration to modernize identification verification system) Identity and Fraud issues, including synthetic identity fraud and credit washing Tax reform (Tax Cuts and Jobs Act of the 115th Congress and Americas Job Plan): issues related to net operating loss (NOL) carryback provision, corporate tax rate Issues relating to the Consumer Financial Protection Bureau, including ESIGN, implementation of Sec. 1071, and general credit card issues Issues relating to the Financial Stability Oversight Council and the Federal Accounting Standards Boards Current Expected Credit Loss (CECL) standards Issues relating to consumer credit, including Buy Now and Pay Later and the MAPR of the Military Lending Act (including H.R. 5974/S. 2508, the Veterans and Consumers Fair Credit Act and S. 4072, the Empowering States Rights to Protect Consumers Act); Issues relating to privacy (including H.R. 8152, the American Data Privacy and Protection Act); Issues relating to data security (no bill); Issues relating to cybersecurity of the financial services industry (no bill); Issues relating to FCC interpretations of the Telephone Consumer Protection Act (TCPA) (no bill) Issues related to diversity and inclusion (no bill) Industrial Loan Company Issues (H.R. 5912, the Close the ILC Loophole Act) Issues related to arbitration in consumer agreements Issues related to pandemic effects on supply chain and global trade (including S. 3309, the Securing Semiconductor Supply Chains Act of 2021)

Implementation of Public Law 115-174 (S. 2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act: entire bill, including Social Security Administration to modernize identification verification system) Identity and Fraud issues, including synthetic identity fraud and credit washing Tax reform (Tax Cuts and Jobs Act of the 115th Congress and Americas Job Plan): issues related to net operating loss (NOL) carryback provision, corporate tax rate Issues relating to the Consumer Financial Protection Bureau, including ESIGN, implementation of Sec. 1071, and general credit card issues Issues relating to the Financial Stability Oversight Council and the Federal Accounting Standards Boards Current Expected Credit Loss (CECL) standards Issues relating to consumer credit, including Buy Now and Pay Later and the MAPR of the Military Lending Act (including H.R. 5974/S. 2508, the Veterans and Consumers Fair Credit Act and S. 4072, the Empowering States Rights to Protect Consumers Act); Issues relating to privacy (including H.R. 8152, the American Data Privacy and Protection Act); Issues relating to data security (no bill); Issues relating to cybersecurity of the financial services industry (no bill); Issues relating to FCC interpretations of the Telephone Consumer Protection Act (TCPA) (no bill) Issues related to diversity and inclusion (no bill) Industrial Loan Company Issues (H.R. 5912, the Close the ILC Loophole Act) Issues related to arbitration in consumer agreements Issues related to pandemic effects on supply chain and global trade (including S. 3309, the Securing Semiconductor Supply Chains Act of 2021)

Credit Card Competition Act of 2022 (S. 4674, H.R. 8874) Implementation of Public Law 115-174 (S. 2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act: entire bill, including Social Security Administration to modernize identification verification system) Identity and Fraud issues, including synthetic identity fraud and credit washing Tax reform (Tax Cuts and Jobs Act of the 115th Congress and Americas Job Plan): issues related to net operating loss (NOL) carryback provision, corporate tax rate Issues relating to the Consumer Financial Protection Bureau, including ESIGN, implementation of Sec. 1071, and general credit card issues Issues relating to the Financial Stability Oversight Council and the Federal Accounting Standards Boards Current Expected Credit Loss (CECL) standards Issues relating to consumer credit, including Buy Now and Pay Later and the MAPR of the Military Lending Act (including H.R. 5974/S. 2508, the Veterans and Consumers Fair Credit Act and S. 4072, the Empowering States Rights to Protect Consumers Act); Issues relating to privacy (including H.R. 8152, the American Data Privacy and Protection Act); Issues relating to data security (no bill); Issues relating to cybersecurity of the financial services industry (no bill); Issues relating to FCC interpretations of the Telephone Consumer Protection Act (TCPA) (no bill) Issues related to diversity and inclusion (no bill) Industrial Loan Company Issues (H.R. 5912, the Close the ILC Loophole Act) Issues related to arbitration in consumer agreements Issues related to pandemic effects on supply chain and global trade (including S. 3309, the Securing Semiconductor Supply Chains Act of 2021)

Implementation of Public Law 115-174 (S. 2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act: entire bill, including Social Security Administration to modernize identification verification system) Identity and Fraud issues, including synthetic identity fraud and credit washing Tax reform (Tax Cuts and Jobs Act of the 115th Congress and Americas Job Plan): issues related to net operating loss (NOL) carryback provision, corporate tax rate Issues relating to the Consumer Financial Protection Bureau, including ESIGN, implementation of Sec. 1071, and general credit card issues Issues relating to the Financial Stability Oversight Council and the Federal Accounting Standards Boards Current Expected Credit Loss (CECL) standards Issues relating to consumer credit, including Buy Now and Pay Later and the MAPR of the Military Lending Act (including H.R. 5974/S. 2508, the Veterans and Consumers Fair Credit Act and S. 4072, the Empowering States Rights to Protect Consumers Act); Issues relating to privacy (including H.R. 8152, the American Data Privacy and Protection Act); Issues relating to data security (no bill); Issues relating to cybersecurity of the financial services industry (no bill); Issues relating to FCC interpretations of the Telephone Consumer Protection Act (TCPA) (no bill) Issues related to diversity and inclusion (no bill) Industrial Loan Company Issues (H.R. 5912, the Close the ILC Loophole Act) Issues related to arbitration in consumer agreements Issues related to pandemic effects on supply chain and global trade (including S. 3309, the Securing Semiconductor Supply Chains Act of 2021)