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 $
​1,010,000.00
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
10/20/2023 3:15:48 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

LEGISLATIVE

House
H.R. 2798- CFPB Transparency and Accountability Reform Act
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
H.R. 3881- Credit Card Competition Act of 2023
H.R. 4766- Clarity for Payment Stablecoins Act of 2023
Potential Legislation related to the Small Business Administration 7(a) loan program
Potential Legislation related to small dollar lending
Issues related to fraud and scams
Issues related to implementation of Section 1071 of the Dodd-Frank Act
H.R. 2670- National Defense Authorization Act for Fiscal Year 2024
H.R. 4277- Overdraft Protection Act of 2021 (117th Cong.)

Senate
S. 1362- Transparency in CFPB Cost-Benefit Analysis Act
S. 1838- Credit Card Competition Act of 2023
S. 2760- Capping Credit Card Interest Rates Act
S. 2482- Community Advantage Loan Program Act of 2023
Issues related to fraud and scams

Both Chambers
Issues related to Zelle payment platform and changes to Regulation E
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
House/Senate Semi-annual Hearing with the Director of the CFPB
Issues related to Financial Services and General Government Appropriations
Issues related to Consumer Data Privacy
Potential Legislation related to establishing a commission at the CFPB
Issues related to disclosures for federal student loans
Potential 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 Cyber Security, Data Security & Breach Notification
Issues related to credit card network interchange fees
Issues related to financial regulatory coordination
Issues related to the Paperwork Reduction Act
Issues related to the Higher Education Act

REGULATORY

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

CFPB
Issues related to Section 1033 of Dodd-Frank
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 Fintech oversight
Issues related to Section 1034 of Dodd-Frank Act
Issues related to CFPB Credit Card Late Fees and Late Payments
Issues related to By Now/Pay Later Financial Products
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 Taskforce on Consumer Financial Laws
Issues related to the Servicemembers Civil Relief Act
Issues related to the Military Lending Act
Issues related to Electronic Fund Transfer Act, regulation E, 15 U.S.C. 1693
Equal Credit Opportunity issues, Regulation B, 12 CFR Part 1002
Home Mortgage Disclosure Act Issues, Regulation C, 12 CFR Part 1003
Fair Credit Reporting Issues, 12 CFR Parts 41, 171, 334, 1022
Truth in Lending Issues, Regulation Z, 12 CFR Part 1026
Fair Debt Collection Practices Issues, Regulation F, 12 CFR Part 1006

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


Federal Reserve
Issues related to the Federal Reserve Central Digital Bank Currency
Issues related to the Federal Reserve Consumer checking accounts
Issues related to the E-SIGN Act
Issues related to the Community Reinvestment Act

FDIC
Issues related to FDIC Deposit Insurance
Issues related to the Bank Secrecy Act and Anti-Money Laundering
Issues related to the Counter Terrorism & Illicit Finance Act
Issues related to Parent Companies of Industrial Banks and Industrial Loan Companies
Issues related to the Community Reinvestment Act

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

Department of Education

Issues related to the CFPBs and Department of Educations actions on student lending

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
​
​
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

​
​
​
​
​
​
​
​
​

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)