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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 | 2023 |
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 | 10/20/2023 11:18:25 AM |
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
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
Opposition to FSGG Appropriations language restricting CFPB and FTC
Statutory prohibition on abusive conduct in financial markets
Junk fees imposed by providers of consumer financial products and services
Supporting a CFPB forced arbitration rulemaking
H.R.2798 - CFPB Transparency and Accountability Reform Act, a bill to place the CFPB in appropriations, enact a commission structiuon, and other revisions
S.2730 - Protecting Consumers from Unreasonable Credit Rates Act of 2023, a bill to amend the Truth in Lending Act to establish a national usury rate for consumer credit transactions
H.R.4763 - the Financial Innovation and Technology for the 21st Century Act, 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
S.1838 -CreditCardCompetitionActof 2023, a bill to address network access and competition in electronic credit transactions
S.___ / H.R.___ - A bill to amend the Truth in Lending Act to extend the consumer credit protections provided to members of the Armed Forces and their dependents under title 10, United States Code, to all consumers
S.___ / H.R.___ - A bill to prohibit a financial institution from engaging in unfair or deceptive acts in connection with overdraft coverage
S.___ / H.R.___ - A bill to reform the regulation of industrial loan companies and their parent companies
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
Extension of unused VA home loan benefits to certain decendents of deseased servicemembers
Improving VA home loan loss mitigation efforts
Proposed Payment Supplement Partial Claim (PSPC) proposal
Residential Property Assessed Clean Energy (PACE) financing
Single-Family Mortgage Pricing Framework
FHFA updates to Loan Level Price Adjustment fees
Opposition to THUD Appropriations language on Affirmatively Furthering Fair Housing
Creating a framework for social bonds for the GSEs.
Update to Loan Level Price Adjustments
Fannie Mae and Freddie Mac Single-Family Mortgage Pricing Framework
S.2295 - LIFT Homebuyers Act, a bill to establish a program to provide low- and moderate-income first-time, first-generation homebuyers with access to affordable and sustainable wealth-building home loans
Nominations and confirmations of Dave Uejio & Solomon Greene for Asst. Secretary roles at HUD
Nomination and confirmation of Tanya Otsuka to the NCUA board
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
Improvements to the Federal Public Service Loan Forgiveness Program
Income-driven repayment (IDR) account adjustment.
Savings on a Valuable Education (SAVE) plan
Extension of pandemic related pause on payments to Federal Student Loans
S.J.RES.22 / H J.RES.45 - Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Department of Education relating to "Waivers and Modifications of Federal Student Loans"
S.J.Res.43 / H.J.Res. 88, a Congressional Review Act resolution to rescind the Administrations new SAVE program on income driven repayment for federal student loans
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
Implementation of Sect. 1071 of Dodd-Frank Act, data collection on small business lending
S.J.Res.32 / H.J.Res 50 / H.J.Res 66 / H.J.Res 85, 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)"
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
FTC rulemaking on auto dealer practices related to spot delivery and yo-yo misconduct
CFPB oversight of Abusive Acts and Practices
AI-generated deepfake voice clips and videos used for financial fraud
H.R.___ - A bill to regulate the business of offering and providing earned wage access services to consumers, 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
CDFI certification requirements and revisions to application
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
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
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
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) |