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LOBBYING REPORT |
Lobbying Disclosure Act of 1995 (Section 5) - All Filers Are Required to Complete This Page
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 |
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5. Senate ID# 318414-12
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6. House ID# 393530000
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TYPE OF REPORT | 8. Year | 2020 |
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. | ||||||||
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 | 4/17/2020 3:26:45 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
Issues related to banking regulatory reform:
-Implementation of S. 2155 (from 115th Congress)
-HR 1500 - Consumers First Act
-Issues related to Current Expected Credit Loss
-HR 3182 - CECL Consumer Impact and Study Bill of 2019
-HR 1158 - Consolidated Appropriations Act, 2020
-Issues related to BSA/AML
-S.2563 ILLICIT CASH Act
-HR 1018 - Improving Corporate Governance Through Diversity Act
-HR 3278 - Diversity in Corporate Leadership Act
-Issues related to arbitration
-HR 327 - Ending Forced Arbitration for Victims of Data Breaches Act of 2019
-Issues related to interest rate caps
-HR 5050 Veterans and Consumers Fair Credit Act
-S 3548 - CARES Act
-HR 6216 - Emergency Assistance for Student Borrowers 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 brokered deposits
-Issues related to debt collection
-Issues related to artificial intelligence
-Issues related to interest rate exportation
-Issues related to small business data collection
-Issues related to modernized disclosures
-Issues related to privacy
-Issues related to Covid-19 Relief
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 |
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Mary Dwyer |
Pembroke |
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Kerri |
Gross |
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Kristiana |
Larson |
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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 885 - Student Loan Bankruptcy Act of 2019
-HR 770 - Discharge Student Loans in Bankruptcy Act of 2019
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 |
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Mary Dwyer |
Pembroke |
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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:
-HR 655 - Student Loan Repayment Assistance Act of 2019
-S. 887 - Know Before You Owe Federal Student Loan Act of 2019
-HR 1070 - Student Loan Interest Tax Deduction Expansion Act
-HR 1798 - Students and Families Empowerment Act
-S. 234 & HR 811 -Transparency in Student Lending Act
-S. 720 - CFPB Student Loan Integrity and Transparency Act
-HR 63 - Student Loan Disclosure Modernization Act
-HR 781 - Student Loan Relief for Feds Act
-S. 968 - Protect Student Borrowers Act of 2019
-S. 460 - Employer Participation in Repayment Act of 2019
-HR 770 - Student Loans in Bankruptcy Act of 2019
-HR 1899 - Student Loan Refinancing and Recalculation Act
-S.888 - The True Cost of College Act of 2019
-S.681 & HR 1565 - Student Right to Know Before you Go Act
-S. 768 & HR 1707 - Bank on Students Emergency Loan Refinancing Act
-S. 800 & HR 1766 - College Transparency Act
-S.867 - Protect Students Act of 2019
-HR 1810 - Kids to College Act of 2019
-S. 627 - SAFE Act of 2019
-S. 2557 Student Aid Improvement Act of 2019
-S. 3548 - CARES Act
-HR 6316 - Emergency Assistance for Student Borrowers Act
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 |
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Mary Dwyer |
Pembroke |
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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, including:
-HR 799 - Federal Worker Credit Protection Act of 2019
-S. 535 - Protect Federal Workers' Credit Act
-HR 1282 - Data Accountability and Trust Act
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 |
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Mary Dwyer |
Pembroke |
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Kerri |
Gross |
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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 cybersecurity, including:
-S. 333 & HR 1062 - National Cybersecurity Preparedness Act of 2019
-S. 592 & HR 1731 - Cybersecurity Disclosure Act of 2019-
-S. 602 - Cyber Deterrence and Response Act of 2019
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 |
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Mary Dwyer |
Pembroke |
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Kerri |
Gross |
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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:
Name | Address |
Principal Place of Business (city and state or country) |
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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:
Name | Address |
Principal place of business (city and state or country) |
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
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) |