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

3/8 Senate Banking Hearing: Examining Mandatory Arbitration in Financial Service Products
H.R. 963 Forced Arbitration Injustice Repeal (FAIR) Act of 2022
3/31 House Financial Services Subcommittee on Consumer Protection and Financial Institutions Hearing- The End of Overdraft Fees? Examining the Movement to Eliminate the Fees Costing Consumers Billions
House/Senate Hearing: Annual Oversight of the Nations Largest Banks
S.4674 - Credit Card Competition Act of 2022
H.R.8874 - Credit Card Competition Act of 2022
Issues related to Zelle payment platform and changes to Regulation E
House Financial Services Discussion Draft: Stable Coin Legislation
Issues related to Biden Administration Student Loan Forgiveness Plan
Issues related to changing UDAAP legislation
Issues related to banning arbitration agreements
H.R.7900 - National Defense Authorization Act for Fiscal Year 2023
H.R. 8152 - 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 - Transparency in CFPB Cost-Benefit Analysis Act
H.R.6802 - Preventing Racial Profiling in Lending Act
H.R.6732 - Small LENDER Act
H.R.7352 - PPP and Bank Fraud Enforcement Harmonization Act of 2022
Issues related to
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 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 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, 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, 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 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
Issues related to the Paycheck Protection Program
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. 2498, Private Loan Disability Discharge Act of 2021
Issues related to AML-BSA Reform
Issues related to FinCEN CDD Rule

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 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 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

19. Interest of each foreign entity in the specific issues listed on line 16 above Check if None

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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