Clerk of the House of Representatives
Legislative Resource Center
135 Cannon Building
Washington, DC 20515
http://lobbyingdisclosure.house.gov 		Secretary of the Senate
Office of Public Records
232 Hart Building
Washington, DC 20510
http://www.senate.gov/lobby
LOBBYING REPORT

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

1. Registrant Name Organization/Lobbying Firm Self Employed Individual
AMERICAN FINTECH COUNCIL

2. Address

Address1
853 New Jersey Avenue SE
 Address2
​Suite 208
City
Washington
 State
DC
 Zip Code
20003
 Country
USA

3. Principal place of business (if different than line 2)

City
​
State
​
Zip Code
​
Country
​
4a. Contact Name b. Telephone Number c. E-mail
​Mr.
​Hayden Cole
​6055211880
​hayden@Fintechcouncil.org
5. Senate ID#
​401108720-60783
7. Client Name Self Check if client is a state or local government or instrumentality
​AMERICAN FINTECH COUNCIL
6. House ID#
​565740001
TYPE OF REPORT 8. Year
​2025
 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:
Less than $5,000
Less than $5,000
$5,000 or more $
​
$5,000 or more $
​60,000.00
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: Hayden Cole
 Date
1/20/2026 4:33:30 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

Letter supporting Travis Hill to be Federal Deposit Insurance Corporation Chairman and addressing bank-fintech partnerships.



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

U.S. SENATE

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
Hayden
Cole
​
​
Ian
Moloney
​
​

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

S. 1071 - National Defense Authorization Act for Fiscal Year 2026: provisions related to community banking.

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

U.S. HOUSE OF REPRESENTATIVES, U.S. SENATE

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
Hayden
Cole
​
​
Ian
Moloney
​
​

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

H.R. 940 - Fair Audits and Inspections for Regulators' (FAIR) Exams Act: provisions related to examination.

H.R. 1734 / S. 2117 - Preventing Deep Fake Scams Act: provisions related to artificial intelligence.

H.R. 2152 - Artificial Intelligence Practices, Logistics, Actions, and Necessities (AI PLAN) Act: provisions related to artificial intelligence.

H.R. 4437 - Supervisory Modifications for Appropriate Risk-based Testing (SMART) Act: provisions related to examination.

H.R. 4478 - Tailored Regulatory Updates for Supervisory Testing (TRUST) Act of 2025 Act: provisions related to examination.

H.R. 5402 / S.1465 - Credit Access and Inclusion Act of 2025: provisions related to credit reporting.

H.R. 5775 - FCRA Liability Harmonization Act: provisions related to the Fair Credit Reporting Act.

H.R. 6552 - Bank-Fintech Partnership Enhancement Act: provisions related to bank-fintech partnerships.

S. 1582 - Guiding and Establishing National Innovation for U.S. Stablecoins (GENIUS) Act: provisions related to interest/yield reform.

S. 2750 - Artificial Intelligence Innovation Sandbox Information Generation and Harmonization of Testing (AI INSIGHT) Act: provisions related to artificial intelligence.

FR Doc. 2025-15697: Request for Comment on Innovative Methods To Detect Illicit Activity Involving Digital Assets; discussions related to combatting illicit activities in digital assets.

Docket No. CFPB-2025-0037: Personal Financial Data Rights Reconsideration; discussions related to prohibition of fees for access to consumer data, secondary use of consumer data, and modifications to the annual reauthorization requirements.

Discussions regarding the CFPB Advisory Opinion, "Truth in Lending (Regulation Z); Non-application to Earned Wage Access Products" related to earned wage access.

Letter to Ranking Member Waters on shutdown impact on consumers and industry addressing earned wage access and bank-fintech partnerships.

Discussions on potential legislation regarding earned wage access.

Discussions on potential legislation to evaluate the use of technology and artificial intelligence to uphold regulatory effectiveness through supervisory assessments.

Discussion with respect to the use of artificial intelligence in the financial services and housing industries.

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

U.S. HOUSE OF REPRESENTATIVES, U.S. SENATE, 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
Hayden
Cole
​
​
Ian
Moloney
​
​

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 HOM

16. Specific lobbying issues

S. 2983 - Extending Expired Cybersecurity Authorities Act: provisions related to cybersecurity.

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

U.S. SENATE

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
Hayden
Cole
​
​
Ian
Moloney
​
​

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

First Name
Last Name
Suffix
First Name
Last Name
Suffix
1
​
​
​
3
​
​
​
2
​
​
​
4
​
​
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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)
Street Address
City State/Province Zip Country
City
State 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
Street Address
City State/Province Country
City
State Country
%

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)