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LOBBYING REPORT |
Lobbying Disclosure Act of 1995 (Section 5) - All Filers Are Required to Complete This Page
2. Address
| Address1 | 910 17TH STREET, NW, Suite 800 |
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| City | WASHINGTON |
State | DC |
Zip Code | 20006 |
Country | USA |
3. Principal place of business (if different than line 2)
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5. Senate ID# 283630-12
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6. House ID# 368350000
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| TYPE OF REPORT | 8. Year | 2025 |
Q1 (1/1 - 3/31) | Q2 (4/1 - 6/30) | Q3 (7/1 - 9/30) | Q4 (10/1 - 12/31) |
9. Check if this filing amends a previously filed version of this report
| 10. Check if this is a Termination Report | Termination Date |
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11. No Lobbying Issue Activity |
| INCOME OR EXPENSES - YOU MUST complete either Line 12 or Line 13 | |||||||||
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| 12. Lobbying | 13. Organizations | ||||||||
| INCOME relating to lobbying activities for this reporting period was: | EXPENSE relating to lobbying activities for this reporting period were: | ||||||||
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| Provide a good faith estimate, rounded to the nearest $10,000, of all lobbying related income for the client (including all payments to the registrant by any other entity for lobbying activities on behalf of the client). | 14. REPORTING Check box to indicate expense accounting method. See instructions for description of options. | ||||||||
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Method A.
Reporting amounts using LDA definitions only
Method B. Reporting amounts under section 6033(b)(8) of the Internal Revenue Code Method C. Reporting amounts under section 162(e) of the Internal Revenue Code |
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| Signature | Digitally Signed By: Michael D. Calhoun |
Date | 7/21/2025 4:08:22 PM |
LOBBYING ACTIVITY. Select as many codes as necessary to reflect the general issue areas in which the registrant engaged in lobbying on behalf of the client during the reporting period. Using a separate page for each code, provide information as requested. Add additional page(s) as needed.
15. General issue area code BAN
16. Specific lobbying issues
CFPB authority and functions, related to structure and supervision, research and enforcement priorities;
Supervision and enforcement of unregulated "fintech" products and non-brank lenders;
Treatment of medical debt on credit reports;
Closure of CFPB Office of Servicemember Affairs, including opposition to the suspension of Military Lending Act enforcement;
Ongoing concerns with other office closures and RIFs at CFPB;
Ongoing concerns with administration efforts to eliminate or consolidate prudential regulators of banking services;
Ongoing concerns with illegal termination of Democratic commissioners at various independent agencies, such as FTC and NCUA;
S.J. Res 18 & H.J.Res 59, opposing joint resolutions disapproving the rule submitted by CFPB relating to "Overdraft Lending: Very Large Financial Institutions;"
H.R. 654, opposing the Taking Account of Bureaucrats Spending (TABS) Act of 2025;
H.R. 976, opposing the 1071 Repeal to Protect Small Business Lending Act;
S. 81 / H.R. ____, opposing the Guidance Clarity Act of 2025;
S. 875 / H.R. 2702, opposing the Financial Integrity and Regulation Management Act (FIRM Act);
S.1582, opposing the GENIUS Act - a bill establishing a regulatory framework for payment stablecoins;
S. 1645, opposing the Credit Access and Inclusion Act;
H.R. 1606, opposing the Making the CFPB Accountable to Small Businesses Act of 2025;
H.R. 1652, opposing the Rectifying UDAAP Act;
H.R. 1653, opposing the Civil Investigative Demand Reform Act of 2025;
H.R. 2183, opposing the CFPB Dual Mandate and Economic Analysis Act;
H.R. 2331, opposing the Transparency in CFPB Cost-Benefit Analysis Act;
H.R. 2392, opposing the Stablecoin Transparency and Accountability for a Better Ledger Economy (STABLE) Act of 2025;
H.R. 2478, opposing the Financial Exploitation Prevention Act of 2025
H.R. 2513, opposing the CFPB-IG Reform Act of 2025;
H.R. 3445, opposing the Consumer Financial Protection Commission Act;
H.R. 3446, opposing the FDIC Board Accountability Act;
H.R. 3141, opposing the CFPB Budget Integrity Act;
H.R. 3633, opposing the Digital Asset Market Clarity Act (CLARITY Act) of 2025;
H.R. 4544, supporting the American Access to Banking Act, a bill to promote the formation of de novo regulated institutions;
H.R. ____, urging improvements to the Tailored Regulatory Updates for Supervisory Testing Act of 2025 (TRUST Act of 2025);
H.R. ____, urging improvements to the Supervisory Modifications for Appropriate Risk-based Testing Act of 2025 (SMART Act of 2025);
H.R. ____, opposing a bill to amend the Consumer Financial Protection Act of 2010 to require the attestation of certain information as part of the consumer complaint submission process, and for other purposes;
H.R. ____, opposing a bill to amend the Consumer Financial Protection Act of 2010 to provide procedures for guidance issued by the Bureau of Consumer Financial Protection, and for other purposes;
H.R. ____, opposing a bill to amend the Consumer Financial Protection Act of 2010 to direct civil penalties to victims and transfer excess funds to the Treasury, and for other purposes;
H.R. ____, opposing a bill to amend the Consumer Financial Protection Act of 2010 to eliminate the market monitoring functions of the Bureau of Consumer Financial Protection, and for other purposes;
H.R. ____, opposing a bill to amend the Consumer Financial Protection Act of 2010 to revise the structure and maximum amounts of civil monetary penalties, and to provide incentives for the self-reporting of violations;
H.R. ____, opposing a bill to amend the Fair Credit Reporting Act to require resellers of information contained in consumer reports to follow reasonable procedures to assure maximum possible accuracy of such information before transmitting such information, and for other purposes;
H.R. ____, opposing a bill to amend the civil liability requirements under the Fair Credit Reporting Act to include requirements relating to class actions, and for other purposes;
17. House(s) of Congress and Federal agencies Check if None
Federal Deposit Insurance Corporation (FDIC), Office of the Comptroller of the Currency (OCC), Natl Credit Union Administration (NCUA), Consumer Financial Protection Bureau (CFPB), Treasury - Dept of, Federal Reserve System, U.S. SENATE, U.S. HOUSE OF REPRESENTATIVES
18. Name of each individual who acted as a lobbyist in this issue area
| First Name | Last Name | Suffix | Covered Official Position (if applicable) | New |
David |
Ferreira |
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Special Assistant, U.S. Department of Energy, Schedule C appointee 1998-2000 |
19. Interest of each foreign entity in the specific issues listed on line 16 above Check if None
LOBBYING ACTIVITY. Select as many codes as necessary to reflect the general issue areas in which the registrant engaged in lobbying on behalf of the client during the reporting period. Using a separate page for each code, provide information as requested. Add additional page(s) as needed.
15. General issue area code HOU
16. Specific lobbying issues
Reform of the secondary housing finance system and government sponsored enterprises (GSEs);
Defending against administration efforts to unwind the Fair Housing Act statutory mandate to affirmatively further fair housing (AFFH);
Support for HUD affirmatively furthering fair housing (AFFH) to take meaningful actions, in addition to combating discrimination, that overcome patterns of segregation;
Advocate for full funding of affordable housing programs at the U.S. Department of Housing and Urban Development (HUD);
S. 934 / H.R. 2038, supporting American Housing and Economic Mobility Act of 2025;
S. 967 / H.R. 4069, supporting the Downpayment Toward Equity Act;
S. 1467 / H.R. 2808, supporting the Homebuyers Privacy Protection Act;
S. 1621 / H.R. 3086, restoring the fair housing mission of the Department of Housing and Urban Development;
H.R. 4767, supporting the Expanding Access to Lending Options Act;
H.R. ____, supporting the Strategy and Investment in Rural Housing Preservation Act of 2025;
17. House(s) of Congress and Federal agencies Check if None
U.S. SENATE, U.S. HOUSE OF REPRESENTATIVES, Housing & Urban Development - Dept of (HUD), Federal Highway Administration (FHA), Federal Housing Finance Agency (FHFA), Veterans Affairs - Dept of (VA)
18. Name of each individual who acted as a lobbyist in this issue area
| First Name | Last Name | Suffix | Covered Official Position (if applicable) | New |
David |
Ferreira |
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Special Assistant, U.S. Department of Energy, Schedule C appointee 1998-2000 |
19. Interest of each foreign entity in the specific issues listed on line 16 above Check if None
LOBBYING ACTIVITY. Select as many codes as necessary to reflect the general issue areas in which the registrant engaged in lobbying on behalf of the client during the reporting period. Using a separate page for each code, provide information as requested. Add additional page(s) as needed.
15. General issue area code EDU
16. Specific lobbying issues
Opposing administration revisions to the Federal Public Service Loan Forgiveness Program;
Opposing administration efforts to eliminate the U.S. Department of Education and its functions;
Ensuring that student borrowers who are being, or have been, misled and deceived by their schools have an effective path to loan forgiveness;
Protect against agreements that allow commission and other payments to third parties based on student enrollment, and ensure that enrollment and financial aid communications by third parties does not include misrepresentations or other predatory practices;
Protect student veterans by maintaining the current requirements that at least 10 percent of revenues at for-profit colleges come from sources outside the federal government, and work to ensure student veterans are eligible to have GI Bill benefits restored in cases of predatory conduct;
Promote importance of the 2023 Gainful Employment and Financial Value Transparency Rule that saves billions of dollars, and oppose efforts to rescind the rule;
Protect student veterans by maintaining the current requirements that at least 10 percent of revenues at for-profit colleges come from sources outside the federal government;
Advocate against agreements that allow commission and other payments to third parties based on student enrollment;
Advocate that enrollment and financial aid communications by third parties do not include misrepresentations or other predatory practices;
17. House(s) of Congress and Federal agencies Check if None
U.S. SENATE, U.S. HOUSE OF REPRESENTATIVES, Education - Dept of, Office of Management & Budget (OMB)
18. Name of each individual who acted as a lobbyist in this issue area
| First Name | Last Name | Suffix | Covered Official Position (if applicable) | New |
David |
Ferreira |
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Special Assistant, U.S. Department of Energy, Schedule C appointee 1998-2000 |
19. Interest of each foreign entity in the specific issues listed on line 16 above Check if None
LOBBYING ACTIVITY. Select as many codes as necessary to reflect the general issue areas in which the registrant engaged in lobbying on behalf of the client during the reporting period. Using a separate page for each code, provide information as requested. Add additional page(s) as needed.
15. General issue area code SMB
16. Specific lobbying issues
Implementation of Sect. 1071 of Dodd-Frank Act, data collection on small business lending;
H.R. 2885, opposing the Bank Loan Privacy Act;
H.R. ___, opposing the Small Lenders Exempt from New Data and Excessive Reporting (LENDER) Act;
17. House(s) of Congress and Federal agencies Check if None
U.S. SENATE, U.S. HOUSE OF REPRESENTATIVES, Small Business Administration (SBA), Consumer Financial Protection Bureau (CFPB), Treasury - Dept of
18. Name of each individual who acted as a lobbyist in this issue area
| First Name | Last Name | Suffix | Covered Official Position (if applicable) | New |
David |
Ferreira |
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Special Assistant, U.S. Department of Energy, Schedule C appointee 1998-2000 |
19. Interest of each foreign entity in the specific issues listed on line 16 above Check if None
LOBBYING ACTIVITY. Select as many codes as necessary to reflect the general issue areas in which the registrant engaged in lobbying on behalf of the client during the reporting period. Using a separate page for each code, provide information as requested. Add additional page(s) as needed.
15. General issue area code BUD
16. Specific lobbying issues
Advocate against policy riders in appropriation and budget resolutions;
H.Res. 590 & H.R. 4, opposing FY25 Concurrent Budget Resolution;
17. House(s) of Congress and Federal agencies Check if None
Office of Management & Budget (OMB), White House Office, U.S. SENATE, U.S. HOUSE OF REPRESENTATIVES
18. Name of each individual who acted as a lobbyist in this issue area
| First Name | Last Name | Suffix | Covered Official Position (if applicable) | New |
David |
Ferriera |
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Special Assistant, US Department of Energy, Schedule C appointee 1998-2000 |
19. Interest of each foreign entity in the specific issues listed on line 16 above Check if None
LOBBYING ACTIVITY. Select as many codes as necessary to reflect the general issue areas in which the registrant engaged in lobbying on behalf of the client during the reporting period. Using a separate page for each code, provide information as requested. Add additional page(s) as needed.
15. General issue area code VET
16. Specific lobbying issues
Improving VA home loan loss mitigation efforts, including defending previous improvements through VAST;
H.R. 1815, VA Home Loan Program Reform Act;
H.R. ___, supporting the VA Housing Loan Forever Act and its components;
17. House(s) of Congress and Federal agencies Check if None
Veterans Affairs - Dept of (VA), U.S. SENATE, U.S. HOUSE OF REPRESENTATIVES
18. Name of each individual who acted as a lobbyist in this issue area
| First Name | Last Name | Suffix | Covered Official Position (if applicable) | New |
David |
Ferriera |
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Special Assistant, U.S. Department of Energy, Schedule C appointee 1998-2000 |
19. Interest of each foreign entity in the specific issues listed on line 16 above Check if None
Information Update Page - Complete ONLY where registration information has changed.
20. Client new address
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21. Client new principal place of business (if different than line 20)
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22. New General description of client’s business or activities
LOBBYIST UPDATE
23. Name of each previously reported individual who is no longer expected to act as a lobbyist for the client
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ISSUE UPDATE
24. General lobbying issue that no longer pertains
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AFFILIATED ORGANIZATIONS
25. Add the following affiliated organization(s)
Internet Address:
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26. Name of each previously reported organization that is no longer affiliated with the registrant or client
| 1 | 2 | 3 |
FOREIGN ENTITIES
27. Add the following foreign entities:
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Amount of contribution for lobbying activities | Ownership percentage in client | ||||||||||
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28. Name of each previously reported foreign entity that no longer owns, or controls, or is affiliated with the registrant, client or affiliated organization
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CONVICTIONS DISCLOSURE
29. Have any of the lobbyists listed on this report been convicted in a Federal or State Court of an offense involving bribery,
extortion, embezzlement, an illegal kickback, tax evasion, fraud, a conflict of interest, making a false statement, perjury, or money laundering?
| Lobbyist Name | Description of Offense(s) |