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LOBBYING REPORT |
Lobbying Disclosure Act of 1995 (Section 5) - All Filers Are Required to Complete This Page
2. Address
| Address1 | 500 8th Street, NW |
Address2 | Suite 210 |
| City | Washington |
State | DC |
Zip Code | 20004 |
Country | USA |
3. Principal place of business (if different than line 2)
| City | Riverwoods |
State | IL |
Zip Code | 60015 |
Country | USA |
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5. Senate ID# 318414-12
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6. House ID# 393530000
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| TYPE OF REPORT | 8. Year | 2022 |
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: Richard Santoro |
Date | 10/19/2022 3:53:03 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
Issues related to banking regulatory reform:
-HR 1277/S 374 Improving Corporate Governance Through Diversity Act of 2021
-HR 4258 To establish a governmentwide approach to improving digital identity, and for other purposes.
-Issues related to interest rate caps
-HR 745 Fair Access to Credit Act of 2021
-HR 4350 National Defense Authorization Act for Fiscal Year 2022 (issues related to banking)
-Issues related to credit scores
-HR 1491 Fair Debt Collection Practices for Servicemembers Act
-HR 1645 To amend the Fair Credit Reporting Act to make improvements to the regulation of consumer reporting agencies and protect consumers, and for other purposes.
-HR 166 Fair Lending for All Act
-HR 5376 Build Back Better Act
-HR 5974/S 2508 Veterans and Consumers Fair Credit Act
-Issues related to unfair, deceptive, and abusive acts and practices
-Issues related to financial innovation
-Issues related to financial literacy
-Issues related to the Community Reinvestment Act
-Issues related to debt collection
-Issues related to artificial intelligence and machine learning
-Issues related to credit scoring/credit risk
-Issues related to privacy
-HR 8152 American Data Privacy and Protection Act
-S 4356 Lummis-Gillibrand Responsible Financial Innovation Act
-S. 4674 Credit Card Competition Act
-Issues related to diversity, equity, and inclusion
-Issues related to anti-trust
-Issues related to fees
-Issues related to climate
-Issues related to digital assets
17. House(s) of Congress and Federal agencies Check if None
U.S. SENATE, U.S. HOUSE OF REPRESENTATIVES, Federal Deposit Insurance Corporation (FDIC), Consumer Financial Protection Bureau (CFPB), Federal Reserve System, Natl Economic Council (NEC), 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 |
Richard |
Santoro |
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Mary Dwyer |
Pembroke |
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Kerri |
Gross |
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Kristiana |
Larson |
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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 BNK
16. Specific lobbying issues
-Issues related to the discharge of private student loan debt, including:
-HR 1143 LOAN Act (forgives federal and private student loan debt in bankruptcy proceedings)
17. House(s) of Congress and Federal agencies Check if None
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 |
Richard |
Santoro |
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Mary Dwyer |
Pembroke |
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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
Issues related to private student lending, including post-secondary education and private student lending:
-HR 891 Students and Families Empowerment Act of 2021
-HR 2090 Improve Student Loan Disclosures
-HR 1143 LOAN Act (forgiving federal and private student loan debt in bankruptcy proceedings
-HR 6316 - Emergency Assistance for Student Borrowers Act
-HR 4350 National Defense Authorization Act - Amendment #734 (Ruled in Order; not offered on floor)
-HR 1023 Justice for Student Borrowers
-HR 8655 Responsible Educational Assistance Through Loan Reforms
-Lowering Obstacles to Achievement Now (LOAN Act) (No bill number currently)
17. House(s) of Congress and Federal agencies Check if None
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 |
Richard |
Santoro |
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Mary Dwyer |
Pembroke |
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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
Issues relating to data security
17. House(s) of Congress and Federal agencies Check if None
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 |
Richard |
Santoro |
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Mary Dwyer |
Pembroke |
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Kerri |
Gross |
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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 INT
16. Specific lobbying issues
Issues related to cyber security
17. House(s) of Congress and Federal agencies Check if None
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 |
Richard |
Santoro |
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Mary Dwyer |
Pembroke |
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Kerri |
Gross |
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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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Zip Code |
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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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3 |
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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) |
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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) |