Clerk of the House of Representatives
Legislative Resource Center
135 Cannon Building
Washington, DC 20515
http://lobbyingdisclosure.house.gov 		Secretary of the Senate
Office of Public Records
232 Hart Building
Washington, DC 20510
http://www.senate.gov/lobby
LOBBYING REPORT

Lobbying Disclosure Act of 1995 (Section 5) - All Filers Are Required to Complete This Page

1. Registrant Name Organization/Lobbying Firm Self Employed Individual
Discover Financial Services

2. Address

Address1
500 8th Street, NW
 Address2
​Suite 210
City
Washington
 State
DC
 Zip Code
20004
 Country
USA

3. Principal place of business (if different than line 2)

City
​Riverwoods
 State
​IL
 Zip Code
​60015
 Country
​USA
4a. Contact Name b. Telephone Number c. E-mail
​Mr.
​Richard Santoro
​2028637271
​richardsantoro@discover.com
5. Senate ID#
​318414-12
7. Client Name Self Check if client is a state or local government or instrumentality
​Discover Financial Services
6. House ID#
​393530000
TYPE OF REPORT 8. Year
​2022
 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
​
11. No Lobbying Issue Activity
INCOME OR EXPENSES - YOU MUST complete either Line 12 or Line 13
12. Lobbying 13. Organizations
INCOME relating to lobbying activities for this reporting period was: EXPENSE relating to lobbying activities for this reporting period were:
Less than $5,000
Less than $5,000
$5,000 or more $
​
$5,000 or more $
​480,000.00
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.
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

Signature
Digitally Signed By: Richard Santoro
 Date
7/19/2022 7:46:31 AM

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

Issues related to banking regulatory reform:
-HR 1319 American Rescue Plan (Public Law No: 117-2) Implementation
-HR 1277/S 374 Improving Corporate Governance Through Diversity Act of 2021
-HR 4258 To establish a governmentwide approach to improving digital identity, and for other purposes.
-Issues related to arbitration
-Issues related to interest rate caps
-HR 745 Fair Access to Credit Act of 2021
-HR 4350 National Defense Authorization Act for Fiscal Year 2022 (issues related to banking)
-Issues related to credit scores
-HR 1491 Fair Debt Collection Practices for Servicemembers Act
-HR 1645 To amend the Fair Credit Reporting Act to make improvements to the regulation of consumer reporting agencies and protect consumers, and for other purposes.
-HR 745 Fair Access to Credit Scores Act of 2021
-HR 166 Fair Lending for All Act
-HR 5376 Build Back Better Act
-HR 5974/S 2508 Veterans and Consumers Fair Credit Act
-Issues related to unfair, deceptive, and abusive acts and practices
-Issues related to financial innovation
-Issues related to financial literacy
-Issues related to the Community Reinvestment Act
-Issues related to debt collection
-Issues related to artificial intelligence
-Issues related to small business data collection
-Issues related to privacy
-HR 8152 American Data Privacy and Protection Act
-S 4356 Lummis-Gillibrand Responsible Financial Innovation Act
-Issues related to diversity, equity, and inclusion
-Issues related to anti-trust
-Issues related to fees
-Issues related to climate
-Issues related to digital assets


17. House(s) of Congress and Federal agencies Check if None

U.S. SENATE, U.S. HOUSE OF REPRESENTATIVES, Federal Deposit Insurance Corporation (FDIC), Consumer Financial Protection Bureau (CFPB), Federal Reserve System, Natl Economic Council (NEC), 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
Richard
Santoro
​
​
Mary Dwyer
Pembroke
​
​
Kerri
Gross
​
​
Kristiana
Larson
​
​

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 BNK

16. Specific lobbying issues

-Issues related to the discharge of private student loan debt, including:
-HR 1143 LOAN Act (forgives federal and private student loan debt in bankruptcy proceedings)

17. House(s) of Congress and Federal agencies Check if None

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
Richard
Santoro
​
​
Mary Dwyer
Pembroke
​
​

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

Issues related to private student lending, including post-secondary education and private student lending:
-HR 891 Students and Families Empowerment Act of 2021
-HR 2090 Improve Student Loan Disclosures
-HR 1143 LOAN Act (forgiving federal and private student loan debt in bankruptcy proceedings
-HR 6316 - Emergency Assistance for Student Borrowers Act
-HR 4350 National Defense Authorization Act - Amendment #734 (Ruled in Order; not offered on floor)
-HR 1023 Justice for Student Borrowers


17. House(s) of Congress and Federal agencies Check if None

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
Richard
Santoro
​
​
Mary Dwyer
Pembroke
​
​

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 HOM

16. Specific lobbying issues

Issues relating to data security

17. House(s) of Congress and Federal agencies Check if None

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
Richard
Santoro
​
​
Mary Dwyer
Pembroke
​
​
Kerri
Gross
​
​

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 INT

16. Specific lobbying issues

Issues related to cyber security

17. House(s) of Congress and Federal agencies Check if None

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
Richard
Santoro
​
​
Mary Dwyer
Pembroke
​
​
Kerri
Gross
​
​

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

Address
​
City
​
State
​
Zip Code
​
Country
​

21. Client new principal place of business (if different than line 20)

City
​
State
​
Zip Code
​
Country
​

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

First Name
Last Name
Suffix
First Name
Last Name
Suffix
1
​
​
​
3
​
​
​
2
​
​
​
4
​
​
​

ISSUE UPDATE

24. General lobbying issue that no longer pertains

​
​
​
​
​
​
​
​
​

AFFILIATED ORGANIZATIONS

25. Add the following affiliated organization(s)

Internet Address:

Name Address Principal Place of Business
(city and state or country)
Street Address
City State/Province Zip Country
City
State Country

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:

Name Address Principal place of business
(city and state or country) 		Amount of contribution for lobbying activities Ownership percentage in client
Street Address
City State/Province Country
City
State Country
%

28. Name of each previously reported foreign entity that no longer owns, or controls, or is affiliated with the registrant, client or affiliated organization

1 3 5
2 4 6

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)