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

9. Check if this filing amends a previously filed version of this report

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

7/29 Senate Banking Hearing - Extending the Military's 36% Interest Rate Cap to Everyone
Draft Legislation - Access to No-Fee Accounts Act.
H.R. 5376 Build Back Better Act - IRS Reporting Bank Account information
H.R.4277 - 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, 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, To prohibit the Administrator of the Small Business Administration from directly making loans under the 7(a) loan program.
Issues related to the transition from LIBOR Rate
S. 3056, 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 HUD disparate-impact rule
Issues related to Government National Mortgage Association requirements for mortgage-backed securities issuers
Issues related to third-party risk management
Issues related to the use of artificial intelligence
Issues related to fair lending
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, 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
Issues related to CFPB Small-dollar Rule
CFPB Section 1071 rulemaking
Issues related to Confirmation of new CFPB Director
Issues related to the Ability to Repay Rule, Qualified Mortgage Standards
Issues related to Underbanked/Unbanked Consumers
Issues related to CFPB agency guidance
Issues related to Confirmation of new OCC Comptroller
Issues related to bank fees, including overdraft fees.
Issues related to the establishment of a bank tax.
Issues related to financial institution charters, specifically ILC charters
Issues related to the COVID-19 pandemic
H.R. 4120, To amend the Fair Credit Reporting Act to provide comprehensive reforms to the consumer credit reporting laws, and for other purposes
H.R. 4277, 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 non-compete clauses
Issues related to financial data reporting to the IRS.
Issues related to IRS Customer Reporting Requirements for Financial Institutions
Issues related to the Federal Reserve Central Digital Bank Currency
Issues related to the Federal Reserve Consumer checking accounts
Issues related to the SBAs paycheck protection program
Issues related to Pub. Law 116-136, Coronavirus Aid, Relief, and Economic Security Act
H.R. 6800 (116th Cong.), Health and Economic Recovery Omnibus Emergency Solutions
H.R. 7010 (116th Cong.), Paycheck Protection Program Flexibility Act of 2020
S. 4117 (116th Cong.), Paycheck Protection Program Small Business Forgiveness Act
H.R. 7777 (116th Cong.), Paycheck Protection Small Business Forgiveness Act
H.R. 266 (116th Cong.), Paycheck Protection Program and Health Care Enhancement Act
H.R. 8406 (116th Cong.), The Heroes Act
H.R. 8265 (116th Cong.), To amend the Small Business Act and the CARES Act to establish a program for second draw loans and make other modifications to the paycheck protection program, and for other purposes.
S. 4321 (116th Cong.), Continuing Small Business Recovery and Paycheck Protection Program Act
H.R. 1799, PPP Extension Act of 2021
H.R. 1319, American Rescue Plan Act of 2021
COVID-19 relief-related amendments to S. 178 (116th Cong.)
Issues related to the Heal, Economic Assistance, Liability Protection, and Schools Act
Issues related to the Paycheck Protection Program
Issues related to OCC Fair Access Proposal
Issues related to OCC Modeled Income
H.R. 133, Coronavirus Response and Relief Supplemental Appropriations Act
H.R. 6332 (116th Cong.), Relief for Consumers During COVID-19 Act of 2020
H.R. 6361, the Relief for Small Businesses and Nonprofits Act (116th Congress)
H.R. 6370, the Disaster Protection for Workers' Credit Act (116th Congress)
H.R. 6316, the Emergency Relief for Student Borrowers Act of 2020 (116th Congress)
H.R. 1657, Ending Debt Collection Harassment Act of 2021
H.J. Res. _____, Resolution of Disapproval on the OCCs National Banks and Federal Savings Associations as Lenders Final Rule.
Issues related to economic impact payments distributed and subsequent garnishments pursuant to the Coronavirus Aid, Relief, and Economic Security Act or CARES Act
Issues related to the transition away from LIBOR
H.R. 4616, the Adjustable Interest Rate (LIBOR) Act of 2021
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
H.R. 1161 & S. 2015 (116th Cong.), The Student Loan Disclosure Modernization Act
H.R. 811 & S. 234 (116th Cong.), Transparency in Student Lending Act
H.R. 3621 (116th Cong.), Student Borrower Credit Improvement Act
H.R. 3622 (116th Cong.), Restoring Unfairly Impaired Credit and Protecting Consumers Act
H.R. 2674 (116th Cong.), the College Affordability Act
H.R. 5294 (116th Cong.), Student Borrower Protection Act of 2019
H.R. 2648 (116th Cong.), Student Borrower Bankruptcy Relief Act of 2019
H.R. 2498, Private Loan Disability Discharge Act of 2021
Issues related to AML-BSA Reform
Issues related to FinCEN CDD Rule
Issues related to FDIC Director appointment.

Issues related to Appropriations
H.R. 4345, Financial Services and General Government Appropriations Act, 2022
H.R. 4350/S. 2792, National Defense Authorization Act for Fiscal Year 2022
S. Con. Res. 144616, A concurrent resolution setting forth the congressional budget for the United States Government for the fiscal year 2022 and setting forth the appropriate budgetary levels for fiscal years 2023 through 2031

Issues related to the Fair Credit Reporting Act
H.R. 3642 (116th Cong.), Improving Credit Reporting for All Consumers Act

H.R. 953 (116th Cong.), To prohibit consumer reporting agencies from including adverse information in certain consumer reports, and from making adverse determinations relating to security clearances, with respect to certain individuals affected by the Government shutdown, and for other purposes.

H.R. 1500 (116th Cong.), Consumers First Act

Issues related to the Comprehensive Consumer Credit Reporting Reform Act of 2019
H.R. 4120, Comprehensive Credit Reporting Enhancement, Disclosure, Innovation, and Transparency Act of 2021
Draft Legislation - Protecting Your Credit Score Act of 2021

Issues related to the Community Reinvestment Act
Issues related to the OCC, Federal Reserve, and FDIC modernization of the Community Reinvestment Act
Issues related to financial regulatory coordination

Issues related to SBA 7(a) Loan Program and fees

H.R. 3614 (116th Cong.), Restricting Credit Checks for Employment Decisions Act

H.R. 3618 (116th Cong.), Free Credit Scores for Consumer Act of 2019

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
S. 4159 (116th Cong.), E-SIGN Modernization Act of 2020

Issues related to the Bank Secrecy Act and Anti-Money Laundering
Issues related to the Counter-Terrorism & Illicit Finance Act
H.R. 2513 (116th Cong.), the Corporate Transparency Act of 2019
H.R. 2514 (116th Cong.), the Coordinating Oversight, Upgrading and Innovating Technology, and Examiner Reform Act of 2019
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 Telephone Consumer Protection Act, 47 U.S.C. 227
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 the Counter-Terrorism & Illicit Finance Act
Issues related to the CFPB Request for Information Process
Issues related to the FDIC Brokered deposits Rule and Interest Rule Restrictions
Issues related to Section 1033 of Dodd-Frank
Issues related to CFPB Electronic Disclosures on Mobile Devices

Issues related to Overdraft and non-sufficient funds (NSF) fees

Issues related to Overdraft

Issues related to Fintech oversight

Issues related to Buy Now Pay Later

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

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

21. Client new principal place of business (if different than line 20)

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

ISSUE UPDATE

24. General lobbying issue that no longer pertains

AFFILIATED ORGANIZATIONS

25. Add the following affiliated organization(s)

Internet Address:

26. Name of each previously reported organization that is no longer affiliated with the registrant or client

FOREIGN ENTITIES

27. Add the following foreign entities:

28. Name of each previously reported foreign entity that no longer owns, or controls, or is affiliated with the registrant, client or affiliated organization

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?
No Yes