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

9. Check if this filing amends a previously filed version of this report

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

Protect the credit union tax exemption
Support legislation and regulation that advance credit unions and their over 142 million members
Support regulatory relief for credit unions
Support holistic evaluation of regulatory burden on credit unions
Support credit union field of membership expansion and modernization
Support regulator- and bank-approved credit union-bank mergers
Support modifying the credit union member business lending cap
Support financial inclusion and increased access to financial services
Support NCUAs existence as an independent regulator and insurer of credit unions
Support assistance for minority depository institution credit unions
Support harmonization of federal cyber incident notification standards
Oppose Community Reinvestment Act requirements for credit unions
Support regulatory framework for artificial intelligence that allows responsible innovation and recognizes compliance with existing regulations
Support mandatory arbitration agreements
Oppose national interest rate cap
Support Federal Credit Union Act modernization
Support expanded natural person and corporate credit union investment authority
Support expanded credit union examination cycle
Support increased examination transparency
Support Central Liquidity Facility enhancements
Oppose NCUA examination of credit union vendors
Support modification of credit union loan maturity limits
Oppose National Credit Union Share Insurance Fund structural changes
Oppose National Credit Union Share Insurance Fund premium assessment
Support parity in deposit insurance coverage levels between credit unions and banks
Oppose additional Call Report fields on loans to credit union officials and senior executive staff
Oppose additional Call Report fields on maturity distribution of uninsured shares
Oppose making changes to Call Report requirements without using notice-and-comment process
Oppose NCUA Call Report collection of overdraft and NSF fee revenue data
Oppose NCUA disclosure of credit union overdraft and NSF fee revenue data
Support rescission of NCUA overdraft and NSF fee guidance
Oppose collection of vendor information in NCUA Credit Union Profile
Oppose changes to NCUA collection forms outside rulemaking process
Support NCUA review of normal operating level and methodology
Support NCUA action to permit credit union reimbursement of childcare expenses for federal credit union board meetings
Oppose NCUA acting as a climate regulator
Oppose NCUA rule on succession planning
Support NCUA recognition of digital banking in service facility definition
Support clarification of NCUA member expulsion regulations
Support NCUA proposed rule on increasing overdraft flexibility
Support NCUA recognition of government sponsored enterprises as government agencies for loan maturity limit purposes
Support NCUA adoption of floating interest rate cap
Support modification of NCUA commercial loan definition
Support increased flexibility in NCUA occupancy requirements
Support NCUA action to clarify loan participation limits
Support NCUA modification of low-income designation process
Support expanding NCUA qualified charity definition
Support allowing greater weighted average life for corporate credit unions financial assets
Support extension of maturity limit for corporate credit union borrowing
Support NCUA action to reduce scope of supervisory committee examination
Support NCUA adopting limited retention period for operational records
Support increased flexibility for advertising and notice of insured status
Oppose proposed incentive-based compensation rule
Support making CFPB subject to regular appropriations process
Support restructuring CFPB leadership to a bipartisan commission
Support creation of a CFPB Inspector General
Support reforms to CFPB Civil Investigative Demand process
Support increasing asset thresholds for CFPB supervision
Support clarification of CFPB unfair, deceptive, or abusive acts and practices authority
Support CFPB use of Section 1022 authority to exempt credit unions from certain regulations
Support CFPB oversight and monitoring of nonbank entities
Oppose CFPB efforts to avoid requirements of the rulemaking process
Support CFPB use and disclosure of relevant data in rulemakings
Support CFPB use of cost-benefit analysis in rulemaking process
Support CFPB policies to promote innovation and access to credit
Support CFPB coordination with NCUA on policy matters and examination scheduling
Oppose mislabeling financial services fees as junk fees
Oppose arbitrary limits on credit union fee income
Support exemptions for CFPB Section 1071 final rule
Oppose CFPB rule on overdraft for very large financial institutions
Oppose CFPB proposed rule on NSF fees
Oppose CFPB efforts to restrict information in credit reports
Oppose CFPB credit card penalty fees final rule
Oppose CFPB Section 1071 final rule
Oppose CFPB Section 1033 final rule
Oppose prohibition on use of medical debt information in credit decisions
Oppose CFPB rulemaking activity before transition in administrations
Oppose CFPB efforts to manipulate consumer complaint data
Support CFPB engaging in ongoing retrospective review of past regulations
Support CFPB consumer complaint database reforms
Support CFPB no-action letter program with extended timeline and increased protection of sensitive strategic information
Oppose CFPB action to prohibit use of certain contractual terms and conditions
Oppose expansion of consumer report and consumer reporting agency under the Fair Credit Reporting Act/Regulation V
Support consumer protection regulations for buy-now-pay-later loan providers
Support credit union access to universal service fund letters of credit program
Support recognition of unique credit union structure in Financial Data Transparency Act joint data standards
Support federal data privacy and security standard that exempts Gramm-Leach-Bliley Act covered institutions, preempts state laws, and does not authorize private right of action
Oppose development of a central bank digital currency
Support credit union access to Federal Reserve liquidity options
Support gradual expansion of Fedwire and National Settlement Service operating hours with optional participation
Oppose addition of fourth same-day ACH window
Support expanded flexibility for accessing the Fed discount window and intraday credit
Oppose Regulation II debit interchange fee cap
Oppose Federal Reserve proposed rule on modifying Regulation II debit interchange cap
Oppose legislative action to impose caps or restrictions on debit or credit interchange fees
Oppose expansion of Electronic Fund Transfer Act/Regulation E financial institution liability
Support fair distribution of Electronic Fund Transfer Act/Regulation E error resolution responsibilities
Oppose Electronic Fund Transfer Act/Regulation E liability for financial institutions for consumer-authorized transactions
Support clarification of funds definition under Electronic Fund Transfer Act/Regulation E
Support parity for credit union provision of digital asset services
Prevent competitive disadvantages for credit unions and market distortions related to the integration of digital assets into traditional financial products
Support parity for credit unions related to stablecoin regulation
Support reduced government-sponsored enterprises costs for credit union mortgages
Support secondary mortgage market access for credit unions
Support credit union access to Federal Home Loan Bank system
Support expansion of Federal Home Loan Bank Act community financial institution definition
Support Federal Home Loan Bank engagement with credit unions
Oppose adoption of volume-based incentives for Federal Home Loan Banks
Oppose policy changes to limit access to Federal Home Loan Bank liquidity
Support Federal Home Loan Bank allocations to the Affordable Housing Program
Support FinCEN implementation of the Corporate Transparency Act
Support additional time to implement anti-money laundering/countering financing of terrorism program changes and publication of guidance
Support increasing Currency Transaction Report and Suspicious Activity Report filing thresholds
Support streamlining Currency Transaction Report and Suspicious Activity Report forms
Support consistency between NCUA and FinCEN requirements on Bank Secrecy Act compliance
Support DOD clarification of Military Lending Act and Servicemembers Civil Relief Act requirements
Oppose nominal leases for banks on military installations
Oppose legislative action on the Overseas Military Banking Program
Support federal share insurance for all credit unions acting as fiscal agents of the U.S. government
Support role of Community Development Financial Institutions Fund in promoting economic growth and access to capital in underserved communities
Support access to Community Development Financial Institutions Fund awards and technical assistance for credit unions
Support Community Development Financial Institutions Fund bond guarantee program
Support disbursement of Community Development Financial Institution Fund awards
Support timely completion of Emergency Capital Investment Program disposition agreements
Issues related to housing finance reform
Issues related to flood insurance
Issues related to privately insured credit unions
Issues related to credit union capital requirements
Issues related to credit union conversions
Issues related to credit unions as employers
Issues related to the Foreign Account Tax Compliance Act
Issues related to fair lending
Issues related to the Telephone Consumer Protection Act
Support Credit Union Board Modernization Act (H.R. 975; S. 522)
Support 1071 Repeal to Protect Small Business Lending Act (H.R. 976; S. 557)
Support Guiding and Establishing National Innovation for U.S. Stablecoins Act (S. 394, S. 919)
Support Stablecoin Transparency and Accountability for a Better Ledger Economy Act (H.R. 2392)
Support Making the CFPB Accountable to Small Businesses Act (H.R. 1606)
Support Financial Integrity and Regulation Management Act (S. 875)
Support Fair Audits and Inspections for Regulators Act (H.R. 940)
Support Anti-CBDC Surveillance State Act (H.R. 1919; S. 1124)
Support Veterans Member Business Loan Act (H.R. 507; S. 110)
Support Taking Account of Bureaucrats Spending Act (H.R. 654)
Support Rectifying UDAAP Act (H.R. 1652)
Support Civil Investigative Demand Reform Act (H.R. 1653)
Support SECURE Notarization Act (H.R. 1777)
Support Increasing Credit Union Lending for Business Growth Act (H.R. 1791)
Support Financial Reporting Threshold Modernization Act (H.R. 1799)
Support Home of Your Own Act (H.R. 2064)
Support HELPER Act (H.R. 2094; S. 978)
Support CFPB Dual Mandate and Economic Analysis Act (H.R. 2183)
Support Transparency in CFPB Cost-Benefit Analysis Act (H.R. 2331)
Support CFPB-IG Reform Act (H.R. 2513)
Support Congressional Review Act resolution of disapproval of the CFPB overdraft rule (H.J.Res. 59; S.J.Res. 18)
Support Congressional Review Act resolution of disapproval of the CFPB medical debt rule (H.J.Res. 74; S.J.Res. 36)
Support draft Consumer Financial Protection Commission Act
Oppose 10 Percent Credit Card Interest Rate Cap Act (H.R. 1944; S. 381)

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

U.S. SENATE, U.S. HOUSE OF REPRESENTATIVES, Treasury - Dept of, Consumer Financial Protection Bureau (CFPB), Natl Credit Union Administration (NCUA), Federal Housing Finance Agency (FHFA), Small Business Administration (SBA), Housing & Urban Development - Dept of (HUD), Federal Reserve System, Defense - Dept of (DOD), Federal Communications Commission (FCC), Financial Crimes Enforcement Network (FinCEN), Government Accountability Office (GAO), Office of Management & Budget (OMB), Homeland Security - Dept of (DHS), Executive Office of the President (EOP), Natl Economic Council (NEC), Natl Science Foundation (NSF)

18. Name of each individual who acted as a lobbyist in this issue area

19. Interest of each foreign entity in the specific issues listed on line 16 above Check if None

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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

Oppose unsustainable NCUA budget increases
Support Community Development Financial Institutions Fund funding
Support Community Development Financial Institutions Fund transparency
Support Community Development Revolving Loan Fund funding
Support FinCEN funding
Support USAID Cooperative Development Program funding

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

U.S. SENATE, U.S. HOUSE OF REPRESENTATIVES, Natl Credit Union Administration (NCUA)

18. Name of each individual who acted as a lobbyist in this issue area

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

Support streamlining of SBA process to facilitate credit union participation in government-guaranteed lending programs
Support enhanced SBA outreach and education efforts for government-guaranteed lending programs
Oppose SBA direct lending
Oppose participation in SBA government-guaranteed lending programs by underregulated fintechs

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

U.S. SENATE, U.S. HOUSE OF REPRESENTATIVES, Small Business Administration (SBA)

18. Name of each individual who acted as a lobbyist in this issue area

19. Interest of each foreign entity in the specific issues listed on line 16 above Check if None

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Information Update Page - Complete ONLY where registration information has changed.

20. Client new address

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

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

ISSUE UPDATE

24. General lobbying issue that no longer pertains

AFFILIATED ORGANIZATIONS

25. Add the following affiliated organization(s)

Internet Address:

26. Name of each previously reported organization that is no longer affiliated with the registrant or client

FOREIGN ENTITIES

27. Add the following foreign entities:

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

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?
No Yes