|
LOBBYING REPORT |
Lobbying Disclosure Act of 1995 (Section 5) - All Filers Are Required to Complete This Page
2. Address
| Address1 | 1750 H St NW |
Address2 | Suite 650 |
| City | Washington |
State | DC |
Zip Code | 20006 |
Country | USA |
3. Principal place of business (if different than line 2)
| City |
|
State |
|
Zip Code |
|
Country |
|
|
5. Senate ID# 2354-1
|
||||||||
|
6. House ID# 305510000
|
||||||||
| TYPE OF REPORT | 8. Year | 2026 |
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: | ||||||||
|
|
||||||||
|
|
||||||||
| 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: Ann Carmichael Harter |
Date | 4/2/2026 4:52:50 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 FIN
16. Specific lobbying issues
HR 654-TABS Act, HR 306-Credit repair legislation, SJ Res 36-CFPB medical debt reversal, FTC click to cancel rule and issues relating to fraud prevention, promoting bank-fintech partnerships, exploration of legislation limiting debt settlement companie, data privacy issues
17. House(s) of Congress and Federal agencies Check if None
U.S. SENATE, U.S. HOUSE OF REPRESENTATIVES, Consumer Financial Protection Bureau (CFPB), White House Office, Federal Trade Commission (FTC), Federal Deposit Insurance Corporation (FDIC)
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 |
Ann |
Carmichael Harter |
|
White House Office of Presidential Correspondence 2004-2005, White House Office of Legislative Affairs 2005-2006, Department of Labor Office of Congressional and Intergovernmental Affairs 2006-2009 |
|
Cecilia |
Winslow |
|
|
|
Michael |
Grimes |
|
paid internship for Congressman Tim Ryan 2011 |
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 BAN
16. Specific lobbying issues
HR 654-TABS Act, HR 306-Credit repair legislation, SJ Res 36-CFPB medical debt reversal, FTC click to cancel rule and matters relating to fraud prevention, promoting bank-fintech partnerships, industrial loan companies, CFPB payday rule, overall limitations to CFPB regulations and oversight of the Bureau, exploration of legislation limiting debt settlement companies, data privacy issues
17. House(s) of Congress and Federal agencies Check if None
U.S. SENATE, U.S. HOUSE OF REPRESENTATIVES, Consumer Financial Protection Bureau (CFPB), White House Office, Small Business Administration (SBA), Federal Deposit Insurance Corporation (FDIC), Office of Management & Budget (OMB), Federal Trade Commission (FTC)
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 |
Ann |
Carmichael Harter |
|
White House Office of Presidential Correspondence 2004-2005, White House Office of Legislative Affairs 2005-2006, Department of Labor Office of Congressional and Intergovernmental Affairs 2006-2009 |
|
Cecilia |
Winslow |
|
|
|
Michael |
Grimes |
|
paid intern for Congressman Tim Ryan, summer 2011 |
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
discussions on budget reconciliation with respect to provisions limiting the scope, funding, power, and reach of the CFPB, placing CFPB under appropriations
17. House(s) of Congress and Federal agencies Check if None
U.S. HOUSE OF REPRESENTATIVES, U.S. SENATE, Consumer Financial Protection Bureau (CFPB)
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 |
Ann |
Carmichael Harter |
|
White House Office of Presidential Correspondence 2004-2005, White House Office of Legislative Affairs 2005-2006, Department of Labor Office of Congressional and Intergovernmental Affairs 2006-2009 |
|
Cecilia |
Winslow |
|
|
|
Michael |
Grimes |
|
paid intern, Congressman Tim Ryan, summer 2011 |
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 TEC
16. Specific lobbying issues
TCPA, SCAM Act support in both House and Senate, fraud prevention, limiting debt settlement companies
17. House(s) of Congress and Federal agencies Check if None
U.S. SENATE, U.S. HOUSE OF REPRESENTATIVES, Federal Communications Commission (FCC), Federal Trade Commission (FTC)
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 |
Ann |
Carmichael Harter |
|
White House Office of Presidential Correspondence 2004-2005, White House Office of Legislative Affairs 2005-2006, Department of Labor Office of Congressional and Intergovernmental Affairs 2006-2009 |
|
Cecilia |
Winslow |
|
|
|
Michael |
Grimes |
|
paid intern, Congressman Tim Ryan, summer 2011 |
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 DEF
16. Specific lobbying issues
examination of Military Lending Act regulations
17. House(s) of Congress and Federal agencies Check if None
Defense - Dept of (DOD), White House Office, U.S. SENATE, U.S. HOUSE OF REPRESENTATIVES, Consumer Financial Protection Bureau (CFPB)
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 |
Ann |
Carmichael Harter |
|
White Office of Presidential Correspondence (2004-5), White House Office of Legislative Affairs (2005-6), Department of Labor Office of Congressional and Intergovernmental Affairs (2006-9) |
|
Celia |
Winslow |
|
|
|
Michael |
Grimes |
|
paid intern, Congressman Tim Ryan, summer 2011 |
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 LAW
16. Specific lobbying issues
arbitration
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 |
Ann |
Carmichael Harter |
|
|
|
Cecilia |
Winslow |
|
|
|
Michael |
Grimes |
|
paid intern, Congressman Tim Ryan, summer 2011 |
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
examination of SBA regs from Biden Administration, loan forgiveness from COVID loans
17. House(s) of Congress and Federal agencies Check if None
U.S. SENATE, U.S. HOUSE OF REPRESENTATIVES, Small Business Administration (SBA), Treasury - Dept of, Consumer Financial Protection Bureau (CFPB)
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 |
Ann |
Carmichael Harter |
|
|
|
Cecilia |
Winslow |
|
|
|
Michael |
Grimes |
|
paid intern for Tim Ryan |
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 GOV
16. Specific lobbying issues
DOGE policies and limits on CFPB and federal government scope
17. House(s) of Congress and Federal agencies Check if None
U.S. HOUSE OF REPRESENTATIVES, U.S. SENATE, Office of Management & Budget (OMB), White House Office
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 |
Ann |
Carmichael Harter |
|
|
|
Cecilia |
Winslow |
|
|
|
Michael |
Grimes |
|
paid intern, Congressman Tim Ryan |
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 AUT
16. Specific lobbying issues
1071 requirements from Biden CFPB, examination of current (45W) and potential future tax benefits for the automotive industry, 45W off ramp and examination of auto tax deduction in HR 1, implementation of auto rax relief in OBBB, prevention of fraud in the auto space
17. House(s) of Congress and Federal agencies Check if None
U.S. SENATE, U.S. HOUSE OF REPRESENTATIVES, Federal Trade Commission (FTC), Treasury - Dept of, Internal Revenue Service (IRS)
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 |
Cecilia |
Winslow |
|
|
|
Ann |
Carmichael Harter |
|
|
|
Michael |
Grimes |
|
|
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 TAX
16. Specific lobbying issues
45W off ramp and examination of auto tax deduction in HR 1
17. House(s) of Congress and Federal agencies Check if None
U.S. HOUSE OF REPRESENTATIVES, U.S. SENATE, Internal Revenue Service (IRS), 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 |
Ann |
Harter |
|
|
|
Michael |
Grimes |
|
|
|
Cecilia |
Winslow |
|
|
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
|
|
||||||||
| 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) |
||||||||||||
| ||||||||||||||
|
||||||||||||||
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 | ||||||||||
| ||||||||||||||
|
% | |||||||||||||
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) |