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 140 million members
Support regulatory relief for credit unions
Support credit union field of membership expansion and modernization
Support regulator- and bank-approved credit union-bank mergers
Support financial inclusion and increased access to financial services
Support assistance for minority depository institution credit unions
Oppose Community Reinvestment Act requirements for credit unions
Support Federal Credit Union Act modernization
Support expanded 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 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 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 Community Development Financial Institutions Fund transparency
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 mandatory arbitration agreements
Oppose national interest rate cap
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 Banks system
Support making CFPB subject to regular appropriations process
Support restructuring CFPB leadership to a bipartisan commission
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 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 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 Regulation II debit interchange fee cap
Oppose Federal Reserve proposed rule on modifying Regulation II debit interchange cap
Support holistic evaluation of regulatory burden on credit unions
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
Oppose nominal leases for banks on military installations
Oppose development of a central bank digital currency
Oppose proposed new tax reporting requirements for financial institutions
Support credit union access to Federal Reserve liquidity options
Support FinCEN implementation of the Corporate Transparency Act
Support exemptions for CFPB Section 1071 final rule
Oppose legislative action on the Overseas Military Banking Program
Oppose credit union-related amendments to the FY 2025 National Defense Authorization Act
Support federal share insurance for all credit unions acting as fiscal agents of the U.S. government
Oppose CFPB proposed rule on overdraft for very large financial institutions
Oppose CFPB efforts to restrict information in credit reports
Oppose Credit Card Competition Act (H.R. 3881, S. 1838)
Support Secure and Fair Enforcement Banking Act (H.R. 2891; S. 1323)
Support Secure And Fair Enforcement Regulation Banking Act (S. 2860)
Oppose Capping Credit Card Interest Rates Act (S. 2760)
Support Close the Shadow Banking Loophole Act (S. 3538)
Support Business of Insurance Regulatory Reform Act (H.R. 7000; S. 3592)
Oppose Strengthening Cybersecurity for the Financial Sector Act (H.R. 7036)
Support resolution of disapproval for CFPB credit card penalty fees final rule (S.J.Res. 70; H.J.Res. 122)
Support CBDC Anti-Surveillance State Act (H.R. 5403; S. 3801)
Support CDFI Fund Transparency Act (S. 3161; S. 2674)
Support Consumer Financial Protection Commission Act (H.R. 1410)
Support CFPB Transparency and Accountability Reform Act (H.R. 2798)
Support Fair Audits and Inspections for Regulators Exams Act (H.R. 8071)
Support Credit Union Board Modernization Act (H.R. 582, S. 610)
Support Member Business Loan Expansion Act (H.R. 4868)
Support Veterans Member Business Loan Act (H.R. 4867; S. 539)
Support Expanding Access to Lending Options Act (H.R. 6933)
Oppose House National Defense Authorization Act Amendment #645 on the Overseas Military Banking Program
Support Rural Credit Access Act (H.R. 7338)
Support Secure Payments Act (H.R. 7531; S. 4570)
Support Consumer Financial Protection Bureau Accountability Act (S. 4521)
Oppose American Privacy Rights Act (H.R. 8818)
Oppose inclusion of American Privacy Rights Act as amendment to other legislation
Oppose Protecting Consumers from Payment Scams Act (H.R. 9303; S. 4943)
Support Affordable Future Loan Program Act (S. 4926)
Oppose CFPB credit card penalty fees final rule
Oppose CFPB Section 1071 final rule
Oppose CFPB Section 1033 proposed rule
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 NCUA action to permit credit union reimbursement of childcare expenses for federal credit union board meetings
Oppose collection of vendor information in NCUA Credit Union Profile
Oppose changes to NCUA collection forms outside rulemaking process
Oppose NCUA proposed rule on succession planning
Oppose CFPB mischaracterization of overdraft programs
Oppose CFPB proposed rule on modifications to mortgage loss mitigation regulations
Support gradual expansion of Fedwire and National Settlement Service operating hours with optional participation
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 modification of low-income designation process
Support expanding NCUA qualified charity definition
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 harmonization of federal cyber incident notification standards
Oppose CFPB action to shift burden of negotiating mortgage closing fees to financial institutions
Support credit union access to universal service fund letters of credit program
Support additional time to implement anti-money laundering/countering financing of terrorism program changes and publication of guidance
Support consumer protection regulations for buy-now-pay-later loan providers
Support regulatory framework for artificial intelligence that allows responsible innovation and recognizes compliance with existing regulations
Oppose prohibition on use of medical debt information in credit decisions

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)

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

Cooperative Development Program funding and procurement reform at USAID
NCUA Budget and Strategic Planning
Support Community Development Financial Institutions Fund funding
Support Community Development Revolving Loan Fund funding
Support FinCEN funding
Support Community Development Financial Institutions Fund funding in Promoting and Advancing Communities of Color Through Inclusive Lending Act (H.R. 9767)

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

Credit Union Member Business Lending Caps
Issues related to SBA 7(a) Loan Program
Support Protecting Access to Credit for Small Businesses Act (S. 3992)
Oppose SBA direct lending

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