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
​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 $
​650,000.00
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
7/18/2025 9:55:13 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

House
H.R. 3445- Consumer Financial Protection Commission Act
H.R. 654- Taking Account of Bureaucrats Spending (TABS) Act of 2025
H.R. 2331- Transparency in CFPB Cost-Benefit Analysis Act
H.R. 2513- CFPB-IG Reform Act of 2025
H.R. 1165- Data Privacy Act of 2023 (118th Congress)
H.R. 3881- Credit Card Competition Act of 2023 (118th Congress)
H.R. 2392- Stablecoin Transparency and Accountability for a Better Ledger Economy (STABLE) Act of 2025
H.R. 1652- Rectifying UDAAP Act
H.R. 2885- Bank Loan Privacy Act
H.R. 1944- 10 Percent Credit Card Interest Rate Cap Act
H.J.Res. 59- Disapproving the rule submitted by the Bureau of Consumer Financial Protection relating to "Overdraft Lending: Very Large Financial Institutions".
H.R. 306- Ending Scam Credit Repair (ESCRA) Act
H.R. 2978- Guarding Unprotected Aging Retirees from Deception (GUARD) Act
H.R. 941- Small Lenders Exempt from New Data and Excessive Reporting (Small LENDER) Act
H.R. 940- Fair Audits and Inspections for Regulators Exams (FAIR Exams) Act
H.R. 1919- Anti-CBDC Surveillance State Act

Senate
S. 1362- Transparency in CFPB Cost-Benefit Analysis Act (118th Congress)
S. 1838- Credit Card Competition Act of 2023 (118th Congress)
S. 381- 10 Percent Credit Card Interest Rate Cap Act
S.J.Res. 18- A joint resolution disapproving the rule submitted by the Bureau of Consumer Financial Protection relating to "Overdraft Lending: Very Large Financial Institutions".
S. 1582- Guiding and Establishing National Innovation for U.S. Stablecoins (GENIUS) Act
S. 2019- Taskforce for Recognizing and Averting Payment Scams (TRAPS) Act

Both Chambers
Issues related to the cumulative impact of banking regulations
Issues related to Zelle payment platform and changes to Regulation E
House/Senate semi-annual hearings with the Director of the CFPB
Issues related to Financial Services and General Government Appropriations
Issues related to consumer data privacy
Issues related to regulation of private student loans
Legislation related to student loan refinancing programs
Issues related to federal student loan reform
Issues related to cybersecurity, data security, and breach notification
Issues related to credit card network interchange fees
Issues related to fraud and scams
Issues related to debit interchange
Issues related to the CFPBs overdraft final rule
Legislation related to the Small Business Administration 7(a) loan program
Issues related to the CFPBs Section 1033 final rule
Issues related to the CFPBs credit card late fees final rule
Issues related to implementation of Section 1071 of the Dodd-Frank Act
H.R. 1- One Big Beautiful Bill Act- remittance tax provisions

REGULATORY

Privacy Issues, 12 CFR Parts 40, 216, 332, 1016

CFPB
Issues related to Section 1033 of the Dodd-Frank Act
Issues related to CFPB Credit Card late fees Safe Harbor rule
Issues related to UDAAP exam manual changes
Issues related to Section 1071 Small Business Data Collection
Issues related to Overdraft and non-sufficient funds (NSF) fees
Issues related to Nonbank oversight
Issues related to Section 1034 of the Dodd-Frank Act
Issues related to Section 1042 of the Dodd-Frank Act
Issues related to the Fair Credit Reporting Act
Issues related to CFPB supervisory authority under Section 1024
Issues related to CFPB agency guidance
Issues related to CFPB Consumer Response Portal
Issues related to CFPB UDAAP Authority
Issues related to Electronic Fund Transfer Act, regulation E, 15 U.S.C. 1693
Issues related to Equal Credit Opportunity issues, Regulation B, 12 CFR Part 1002
Issues related to Home Mortgage Disclosure Act Issues, Regulation C, 12 CFR Part 1003
Issues related to Fair Credit Reporting Issues, 12 CFR Parts 41, 171, 334, 1022
Issues related to Truth in Lending Issues, Regulation Z, 12 CFR Part 1026
Issues related to Fair Debt Collection Practices Issues, Regulation F, 12 CFR Part 1006
Issues related to Buy Now Pay Later products
Issues related to Early Wage Access products
Issues related to regulation E opt-in requirements

OCC
Issues related to the Community Reinvestment Act
Issues related to fair lending and fair banking
Issues related to the Fair Housing Act
Issues related to Underbanked/Unbanked Consumers- Consumer Financial Health

Federal Reserve
Issues related to the Federal Reserve Central Digital Bank Currency
Issues related to the Community Reinvestment Act
Issues related to Basel III Endgame Proposal
Issues related to debit interchange, Reg. II

FDIC
Issues related to FDIC Deposit Insurance
Issues related to the Community Reinvestment Act
Issues related to FDIC logo signage

SBA
Issues related to Small Business Act
Issues related to SBA 7(a) Loan Program and fees
Issues related to SBA 504 Loan Program and fees

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, Internal Revenue Service (IRS), Defense - Dept of (DOD), Federal Communications Commission (FCC), Office of Management & Budget (OMB), Small Business Administration (SBA)

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
​
​
Brian
Fritzsche
​
​
Jessica
Hall
​
​
Lindsey
Johnson
​
​
Colin
Carr
​
​
Kelvin
Chen
​
​
Kyle
Glenn
​
Legislative Correspondent-Rep. Ginny Brown-Waite (6/2009-5/2010) Legislative Assistant - Rep. Rich Nugent; (1/2011-12/2012) Legislative Analyst, Legislative Director, Deputy Chief of Staff, and Chief of Staff-Rep. Dennis A. Ross (1/2013-12/2018)

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
​Brian
​Fritzsche
​
3
​
​
​
2
​
​
​
4
​
​
​

ISSUE UPDATE

24. General lobbying issue that no longer pertains

​
​
​
​
​
​
​
​
​

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)