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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 | 2024 |
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 | 7/22/2024 3:41:58 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
U.S. House of Representatives, U.S. Senate, Federal Reserve System, U.S. Dept of Treasury, Office of the Comptroller of the Currency (OCC), Consumer Financial Protection Bureau (CFPB), Federal Deposit Insurance Corporation (FDIC), National Credit Union Administration (NCUA)
CFPB authority and funtions, related to structure and supervision, research and enforcement priorities
Increased supervision and enforcement of unregulated "fintech" products like BNPL and faux EWA providers
Eliminating excessive banking fees, including overdraft
CFPB Examination of nonbank mortgage, private loan, and payday loan entities
Junk fees imposed by providers of consumer financial products and services
H.R. 7428, Earned Wage Access Consumer Protection Act, a bill to authorize a form of payday lending
H.R.2798, CFPB Transparency and Accountability Reform Act, a bill to place the CFPB in appropriations, enact a commission structiuon, and other revisions
H.R. 8337, the Bank Resilience and Regulatory Improvement Act, a bill to amend the Federal banking laws to improve the safety and soundness of the United States banking system, and for other purposes.
H.R. 758, the Promoting Access to Capital in Underbanked Communities Act, a bill to require the appropriate Federal banking agencies to establish a 3-year phase-in period for de novo financial institutions to comply with Federal capital standards, to provide relief for de novo rural community banks, and for other purposes.
H.R. 6398, the Financial Institutions Regulatory Tailoring Enhancement Act, a bill to increase the asset thresholds at which financial institutions become subject to certain requirements, and for other purposes.
H.R. 7403, the Bank Failure Prevention Act, a bill to specify when the record is complete on certain acquisition applications related to depository institution holding companies, and for other purposes.
H.R. 4346, the Small Bank Holding Company Relief Act, a bill to raise the consolidated assets threshold under the small bank holding company policy statement, and for other purposes.
H.R. 4763, the FIT Act, a bill to authorize and regulate certain crypto currency products, a bill to provide for a system of regulation of digital assets by the Commodity Futures Trading Commission and the Securities and Exchange Commission, and for other purposes.
Supporting the nomination of Goldsmith Romero to FDIC
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
U.S. House of Representatives, U.S. Senate, U.S. Dept of Housing & Urban Development (HUD), Federal Housing Administration (FHA), Federal Housing Finance Administration (FHFA), U.S. Dept of Veterans Affairs (VA)
Extension of unused VA home loan benefits to certain decendents of deseased servicemembers
Improving VA home loan loss mitigation efforts
Urging for release and implementation of the Fair Housing Act's statutory mandate to affirmatively further fair housing (AFFH)
H.R. ___ / S. ___, American Housing And Economic Mobility Act.
H.R. ___, VA Housing Loan Forever Act
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
U.S. House of Representatives, U.S. Senate, U.S. Dept of Education, Office of Management & Budget (OMB)
Encouraging rulemaking for providing relief to borrowers experiencing hardship
Supporting Agency enhancements to oversight and accountability for institutions of higher education and strengthen consumer protections for student borrowers.
Improvements to the Federal Public Service Loan Forgiveness Program
Income-driven repayment (IDR) account adjustments
H.R. 6951, College Cost Reduction Act, a bill to reform the financing of higher education
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
U.S. House of Representatives, U.S. Senate, U.S. Dept of Treasury, Consumer Financial Protection Bureau (CFPB), Small Business Administration (SBA)
Implementation of Sect. 1071 of Dodd-Frank Act, data collection on small business lending
S.J.Res.32, a bill to disapprove the Consumer Financial Protection Bureau's rulemaking on relating to "Small Business Lending Under the Equal Credit Opportunity Act (Regulation B)"
H.R. 1806, the Small LENDER Act, a bill to amend the Equal Credit Opportunity Act to modify the requirements associated with small business loan data collection, and for other purposes.
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H.R. 1810, the Bank Loan Privacy Act. a bill to require the Bureau of Consumer Financial Protection to issue a rule before deleting or modifying certain small business loan data, and for other purposes."
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 CSP
16. Specific lobbying issues
U.S. House of Representatives, U.S. Senate, Department of Labor (DOL), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), Federal Trade Commission (FTC)
S.3014, the FTC Redo Act - a bill to rescind the Federal Trade Commission's rulemaking related to fraud and abusive practices in automotive retailing and finance.
H.R. 7440 - Financial Services Innovation Act of 2023, a bill that would allow companies to force agencies to shirk their statutory duties to enforce the law and protect consumers.
H.R. 7428 - Earned Wage Access Consumer Protection Act, a bill to declare that earned wage advances and other fintech cash advances are not credit and exempting them from federal lending laws and cost disclosures.
H.R. 8338, the Clarity in Lending Act, a bill to regulate small-dollar, short-term credit products, to protect the privacy of lenders, and to improve the unfair, deceptive, or abusive acts or practices authority of the Bureau of Consumer Financial Protection, and for other purposes.
H.R. 8356, Small Dollar Loan Certainty Act, a bill to amend the Truth in Lending Act to allow covered entities to offer small-dollar credit products
H.R. 6789, the Rectifying UDAAP Act, a bill to amend the Consumer Financial Protection Act of 2010 to clarify standards for UDAAP enforcement actions brought by the Bureau of Consumer Financial Protection, and for other purposes.
17. House(s) of Congress and Federal agencies Check if None
U.S. SENATE, U.S. HOUSE OF REPRESENTATIVES, Office of Management & Budget (OMB), Federal Trade Commission (FTC), Office of the Comptroller of the Currency (OCC), Labor - Dept of (DOL)
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 FIN
16. Specific lobbying issues
U.S. House of Representatives, U.S. Senate, U.S. Dept of Treasury, Office of Management & Budget (OMB)
Supporting the nomination of Kristin Johnson to Treasury
17. House(s) of Congress and Federal agencies Check if None
U.S. SENATE, U.S. HOUSE OF REPRESENTATIVES, Office of Management & Budget (OMB), 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 AGR
16. Specific lobbying issues
U.S. House of Representatives, U.S. Senate, U.S. Department of Agriculture
Waiver for applicability of the CFPB's Sec. 1071 rulemaking to agricultural and rural lending
H.R.2423,the Farm Credit Administration Independent Authority Act, a bill apply commercial lending protections to small business lending and extend the CFPB's regulatory authority to include small business financing
H.R. 8467, Reauthorization of the Farm Bill, the Farm, Food, and National Security Act of 2024
17. House(s) of Congress and Federal agencies Check if None
U.S. SENATE, U.S. HOUSE OF REPRESENTATIVES, Agriculture - Dept of (USDA)
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
U.S. House of Representatives, U.S. Senate, White House, Office of Management & Budget (OMB)
Opposing policy riders on relevant issues in the FY25 appropriations bills
Urge programs that achieve Diversity, Equity, Inclusion and Accessbility (DEIA) in our economy
Opposition to FSGG Appropriations language restricting CFPB and FTC
17. House(s) of Congress and Federal agencies Check if None
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 |
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
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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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) |