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
CONSUMER BANKERS ASSOCIATION

2. Address

Address1
1225 NEW YORK AVE, NW, SUITE 1100
 Address2
​
City
WASHINGTON
 State
DC
 Zip Code
20005
 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
​Mrs.
​DANNI LU
​2025526378
​dlu@consumerbankers.com
5. Senate ID#
​10627-12
7. Client Name Self Check if client is a state or local government or instrumentality
​CONSUMER BANKERS ASSOCIATION
6. House ID#
​311280000
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
​
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 $
​830,000.00
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: Danni Lu
 Date
4/20/2023 8:34:30 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

2/8 House Financial Services Committee Subcommittee on Financial Institutions and Monetary Policy hearing- Revamping and Revitalizing Banking in the 21st Century

3/7 Senate Banking Committee Hearing- Monetary Policy and the State of the Economy

3/8 House Financial Services Committee Hearing- The Federal Reserves Semi-Annual Monetary Policy Report

3/8 House Financial Services Committee Subcommittee on Financial Institutions and Monetary Policy hearing- Consumer Financial Protection Bureau: Ripe for Reform

3/24 House Small Business Committee hearing- The End of Relationship Banking? Examining the CFPBs Small Business Lending Data Collection Rule

H.R. 1410- Consumer Financial Protection Commission Act
H.R. 1382- TABS Act of 2023
H.R. 1313- Transparency in CFPB Cost-Benefit Analysis Act
H.R. 1411- CFPB-IG Reform Act of 2023
H.R. 1165- Data Privacy Act of 2023
S.4674 (117th Cong.)- Credit Card Competition Act of 2022
H.R.8874 (117th Cong.)- Credit Card Competition Act of 2022
Issues related to Zelle payment platform and changes to Regulation E
House Financial Services Discussion Draft: Stablecoin Legislation
Issues related to Biden Administration Student Loan Forgiveness Plan
Issues related to changing UDAAP legislation/ Dodd-Frank UDAAP provisions
Issues related to banning arbitration agreements
H.R.7900 (117th Cong.)- National Defense Authorization Act for Fiscal Year 2023
H.R.8152 (117th Cong.)- American Data Privacy and Protection Act
H.R. ____ - Protecting Consumers From Payment Scams Act
Issues related to Section 1034 of Dodd-Frank Act
Issues related to CFPB Credit Card Late Fees and Late Payments
H.R.7412 (117th Cong.)- Transparency in CFPB Cost-Benefit Analysis Act
H.R.6802 (117th Cong.)- Preventing Racial Profiling in Lending Act
H.R.6732 (117th Cong.)- Small LENDER Act
H.R.7352 (117th Cong.)- PPP and Bank Fraud Enforcement Harmonization Act of 2022

H.R.4277 (117th Cong.)- Overdraft Protection Act of 2021
Issues related to By Now/Pay Later Financial Products
Issues related to SBA Direct 7(a) lending program
H.R.6037 (117th Cong.), To prohibit the Administrator of the Small Business Administration from directly making loans under the 7(a) loan program, and for other purposes.
S. 3382 (117th Cong.), To prohibit the Administrator of the Small Business Administration from directly making loans under the 7(a) loan program.
Issues related to transition from LIBOR Rate
S. 3056 (117th Cong.), the Prohibiting IRS Financial Surveillance Act
Issues related to FDIC Director appointment
House/Senate Semi-annual Hearing with the Director of the CFPB
Issues related to Cyber Security, Data Security & Breach Notification
Issues related to Consumer Data Privacy
Issues related to the Community Reinvestment Act
Issues related to fair lending and fair banking
Issues related to CFPB supervisory authority under Section 1024
Issues related to Dodd-Frank including Section 1033
Issues related to the Consumer Financial Protection Bureau
H.R. 4773 (117th Cong.), the Consumer Financial Protection Commission Act
Legislation related to establishing a commission at the CFPB
Issues related to Interest Rate Caps on Banks
Issues related to CFPB Consumer Response Portal
Issues related to CFPB Taskforce on Consumer Financial Laws
CFPB Section 1071 rulemaking
Issues related to Underbanked/Unbanked Consumers
Issues related to CFPB agency guidance
Issues related to bank fees, including overdraft fees and credit card late fees.

Issues related to COVID-19 pandemic
H.R. 4120 (117th Cong.), To amend the Fair Credit Reporting Act to provide comprehensive reforms to the consumer credit reporting laws, and for other purposes
H.R. 4277 (117th Cong.), To amend the Truth in Lending Act to establish fair and transparent practices related to the marketing and provision of overdraft coverage programs at financial institutions, and for other purposes
Issues related to credit card network interchange fees.
Issues related to U.S. Postal Service banking services.
Issues related to the Federal Reserve Central Digital Bank Currency
Issues related to the Federal Reserve Consumer checking accounts
Issues related to the reauthorization of the Higher Education Act
Issues related to the CFPBs and Department of Educations actions on student lending
Issues related to disclosures for federal student loans
Legislation related to student loan refinancing programs
Issues related to bankruptcy protections for student loans
Issues related to federal student loan reform
Issues related to AML-BSA Reform
Issues related to FinCEN CDD Rule
Issues related to Appropriations
Issues related to the Fair Credit Reporting Act
Issues related to the Community Reinvestment Act
Issues related to financial regulatory coordination
Issues related to SBA 7(a) Loan Program and fees
H.R. 5050 (116th Cong.), the Veterans and Consumers Fair Credit Act
Issues related to the Fair Housing Act
Issues related to FinTech
Issues related to the E-SIGN Act
Issues related to the Bank Secrecy Act and Anti-Money Laundering
Issues related to the Counter Terrorism & Illicit Finance Act
S. 2563 (116th Cong.), the Improving Laundering Laws and Increasing Comprehensive Information Tracking of Criminal Activity in Shell Holdings Act
Issues related to Parent Companies of Industrial Banks and Industrial Loan Companies

Regulations:
Equal Credit Opportunity issues, Regulation B, 12 CFR Part 1002
Home Mortgage Disclosure Act Issues, Regulation C, 12 CFR Part 1003
Fair Debt Collection Practices Issues, Regulation F, 12 CFR Part 1006
Privacy Issues, 12 CFR Parts 40, 216, 332, 1016
Fair Credit Reporting Issues, 12 CFR Parts 41, 171, 334, 1022
Truth in Lending Issues, Regulation Z, 12 CFR Part 1026
Regulations related to the Dodd-Frank Act, Pub. L. No. 111-203
Issues related to the Higher Education Act
Issues related to Electronic Fund Transfer Act, regulation E, 15 U.S.C. 1693
Issues related to FDIC Deposit Insurance
Issues related to the Paperwork Reduction Act
Issues related to the Military Lending Act
Community Reinvestment Act Regulations & Q&A issues
Issues related to the Servicemembers Civil Relief Act
Issues related to Small Business Act
Issues related to the Bank Secrecy Act and Anti-Money Laundering rules
Issues related to Section 1033 of Dodd-Frank
Issues related to Overdraft and non-sufficient funds (NSF) fees
Issues related to Fintech oversight
Issues related to Buy Now Pay Later
Issues related to CFPB Credit Card Safe Harbor fee
Issues related to Section 1071 Small Business Data Collection
Issues related to UDAAP exam manual changes


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

U.S. SENATE, U.S. HOUSE OF REPRESENTATIVES, Consumer Financial Protection Bureau (CFPB), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), Housing & Urban Development - Dept of (HUD), Office of the Comptroller of the Currency (OCC), Treasury - Dept of, Education - Dept of, Internal Revenue Service (IRS), Defense - Dept of (DOD), Federal Communications Commission (FCC), 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
Pommerehn
​
​
Samuel
Whitfield
​
​
Daniel
Smith
​
​
Brian
Fritzsche
​
​
Jessica
Hall
​
​
Lindsey
Johnson
​
​
Colin
Carr
​
​

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
​
​
​

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)