{"count":7,"next":null,"previous":null,"results":[{"url":"https://lda.gov/api/v1/filings/2ad336e4-6217-4c55-a901-acca144f54ac/","filing_uuid":"2ad336e4-6217-4c55-a901-acca144f54ac","filing_type":"Q1","filing_type_display":"1st Quarter - Report","filing_year":2026,"filing_period":"first_quarter","filing_period_display":"1st Quarter (Jan 1 - Mar 31)","filing_document_url":"https://lda.gov/filings/public/filing/2ad336e4-6217-4c55-a901-acca144f54ac/print/","filing_document_content_type":"text/html","income":null,"expenses":"670000.00","expenses_method":"A","expenses_method_display":"A","posted_by_name":"Palmer Rafferty","dt_posted":"2026-04-20T10:42:02-04:00","termination_date":null,"registrant_country":"United States of America","registrant_ppb_country":"United States of America","registrant_address_1":"1201 Pennsylvania AVE NW","registrant_address_2":"Suite 840","registrant_different_address":false,"registrant_city":"Washington","registrant_state":"DC","registrant_zip":"20004","registrant":{"id":62131,"url":"https://lda.gov/api/v1/registrants/62131/","house_registrant_id":35449,"name":"TRANS UNION LLC","description":"consumer credit reporting and analytical services","address_1":"1201 Pennsylvania AVE NW","address_2":"Suite 840","address_3":null,"address_4":null,"city":"Washington","state":"DC","state_display":"District of Columbia","zip":"20004","country":"US","country_display":"United States of America","ppb_country":"US","ppb_country_display":"United States of America","contact_name":"ALLISON SHUSTER","contact_telephone":"+1 202-718-4137","dt_updated":"2026-07-06T19:19:08.203823-04:00"},"client":{"id":161956,"url":"https://lda.gov/api/v1/clients/161956/","client_id":12,"name":"TRANS UNION LLC","general_description":null,"client_government_entity":false,"client_self_select":true,"state":"DC","state_display":"District of Columbia","country":"US","country_display":"United States of America","ppb_state":"DC","ppb_state_display":"District of Columbia","ppb_country":"US","ppb_country_display":"United States of America","effective_date":"2014-03-26"},"lobbying_activities":[{"general_issue_code":"BAN","general_issue_code_display":"Banking","description":"S. 656 - Fair Credit for American Hostages Act: Provisions pertaining to freezing consumer credit reports of American Hostages. Public Law No: 119-36 - Homebuyers Privacy Protection Act: Provisions pertaining to the use of mortgage trigger leads for credit reporting agencies. S. 1465, H.R. 5402 - Credit Access and Inclusion Act: Provisions pertaining to consumer credit, alternative data and financial inclusion. H.R. 306 - Ending Scam Credit Repair Act (ESCRA Act): Provisions pertaining to credit repair companies. S. 2074 - Servicemembers' Credit Monitoring Enhancement Act: Issues pertaining to servicemembers' credit monitoring. H.R. 5775 - FCRA Liability Harmonization Act: Provisions pertaining to liability statutes in the Fair Credit Reporting Act. H.R. 7588 - Eliminating fraud in the CFPB's Complaint Database Act: Provisions pertaining to Consumer Financial Protection Bureau's complaint portal. H.R. 7270: Stop Identity Fraud and Identity Theft Act of 2026: Issues related to digital identity and identity fraud. Issues related to the cost of credit reports and scores. Issues related to the Consumer Financial Protection Bureau's 1033 open banking rulemaking.","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":152627,"prefix":null,"prefix_display":null,"first_name":"ALLISON","nickname":null,"middle_name":"SHUSTER","last_name":"OLDFIELD","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":141353,"prefix":null,"prefix_display":null,"first_name":"PALMER","nickname":null,"middle_name":null,"last_name":"RAFFERTY","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":152628,"prefix":null,"prefix_display":null,"first_name":"JON","nickname":null,"middle_name":null,"last_name":"BOUGHTIN","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":1,"name":"SENATE"},{"id":41,"name":"Treasury, Dept of"}]},{"general_issue_code":"CSP","general_issue_code_display":"Consumer Issues/Safety/Products","description":"H.R. 4402 - Dashboard Act of 2025: Issues pertaining to the public disclosure of types of consumer data collected. Issues pertaining to consumer data privacy and a potential federal framework. Issues related to call authentication and robocall mitigation.","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":152627,"prefix":null,"prefix_display":null,"first_name":"ALLISON","nickname":null,"middle_name":"SHUSTER","last_name":"OLDFIELD","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":141353,"prefix":null,"prefix_display":null,"first_name":"PALMER","nickname":null,"middle_name":null,"last_name":"RAFFERTY","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":152628,"prefix":null,"prefix_display":null,"first_name":"JON","nickname":null,"middle_name":null,"last_name":"BOUGHTIN","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":1,"name":"SENATE"}]},{"general_issue_code":"HOU","general_issue_code_display":"Housing","description":"Issues relating to Federal Housing Finance Agency Governance of the use of Credit Scores and Reports for GSE Loans. Issues related to GSE reform.","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":152627,"prefix":null,"prefix_display":null,"first_name":"ALLISON","nickname":null,"middle_name":"SHUSTER","last_name":"OLDFIELD","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":141353,"prefix":null,"prefix_display":null,"first_name":"PALMER","nickname":null,"middle_name":null,"last_name":"RAFFERTY","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":152628,"prefix":null,"prefix_display":null,"first_name":"JON","nickname":null,"middle_name":null,"last_name":"BOUGHTIN","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":57,"name":"Federal Housing Finance Agency (FHFA)"},{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":35,"name":"Housing & Urban Development, Dept of (HUD)"},{"id":198,"name":"Natl Economic Council (NEC)"},{"id":1,"name":"SENATE"},{"id":12,"name":"White House Office"}]},{"general_issue_code":"LBR","general_issue_code_display":"Labor Issues/Antitrust/Workplace","description":"S. 2495, H.R. 4954 - Keep Call Centers in America Act of 2025: Issues pertaining to the disclosure of foreign call centers.","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":152627,"prefix":null,"prefix_display":null,"first_name":"ALLISON","nickname":null,"middle_name":"SHUSTER","last_name":"OLDFIELD","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":141353,"prefix":null,"prefix_display":null,"first_name":"PALMER","nickname":null,"middle_name":null,"last_name":"RAFFERTY","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":152628,"prefix":null,"prefix_display":null,"first_name":"JON","nickname":null,"middle_name":null,"last_name":"BOUGHTIN","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":1,"name":"SENATE"}]},{"general_issue_code":"TAX","general_issue_code_display":"Taxation/Internal Revenue Code","description":"S. 2976 - Halting International Relocation of Employment (HIRE) Act: Provisions pertaining to tax on outsourcing payments.","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":152627,"prefix":null,"prefix_display":null,"first_name":"ALLISON","nickname":null,"middle_name":"SHUSTER","last_name":"OLDFIELD","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":141353,"prefix":null,"prefix_display":null,"first_name":"PALMER","nickname":null,"middle_name":null,"last_name":"RAFFERTY","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":152628,"prefix":null,"prefix_display":null,"first_name":"JON","nickname":null,"middle_name":null,"last_name":"BOUGHTIN","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":1,"name":"SENATE"}]}],"conviction_disclosures":[],"foreign_entities":[],"affiliated_organizations":[]},{"url":"https://lda.gov/api/v1/filings/2f54fa9e-112a-4932-a94a-d0cdfb37e3d6/","filing_uuid":"2f54fa9e-112a-4932-a94a-d0cdfb37e3d6","filing_type":"Q2","filing_type_display":"2nd Quarter - Report","filing_year":2026,"filing_period":"second_quarter","filing_period_display":"2nd Quarter (Apr 1 - June 30)","filing_document_url":"https://lda.gov/filings/public/filing/2f54fa9e-112a-4932-a94a-d0cdfb37e3d6/print/","filing_document_content_type":"text/html","income":null,"expenses":"1290000.00","expenses_method":"A","expenses_method_display":"A","posted_by_name":"Greg Mesack","dt_posted":"2026-07-17T10:02:51-04:00","termination_date":null,"registrant_country":"United States of America","registrant_ppb_country":"United States of America","registrant_address_1":"99 M Street, SE","registrant_address_2":"Suite 300","registrant_different_address":false,"registrant_city":"WASHINGTON","registrant_state":"DC","registrant_zip":"20003","registrant":{"id":11322,"url":"https://lda.gov/api/v1/registrants/11322/","house_registrant_id":31877,"name":"AMERICAS CREDIT UNIONS, FKA CREDIT UNION NATIONAL ASSOCIATION, INC. DBA AMERICAS CREDIT UNIONS","description":null,"address_1":"99 M Street, SE","address_2":"Suite 300","address_3":null,"address_4":null,"city":"WASHINGTON","state":"DC","state_display":"District of Columbia","zip":"20003","country":"US","country_display":"United States of America","ppb_country":"US","ppb_country_display":"United States of America","contact_name":"GREG MESACK","contact_telephone":"+1 202-491-7614","dt_updated":"2026-10-14T15:38:47.017132-04:00"},"client":{"id":115381,"url":"https://lda.gov/api/v1/clients/115381/","client_id":12,"name":"AMERICAS CREDIT UNIONS, FKA CREDIT UNION NATIONAL ASSOCIATION, INC. DBA AMERICA","general_description":null,"client_government_entity":false,"client_self_select":true,"state":"DC","state_display":"District of Columbia","country":"US","country_display":"United States of America","ppb_state":"DC","ppb_state_display":"District of Columbia","ppb_country":"US","ppb_country_display":"United States of America","effective_date":"2007-08-13"},"lobbying_activities":[{"general_issue_code":"BAN","general_issue_code_display":"Banking","description":"Protect the credit union tax exemption Support legislation and regulation that advance credit unions and their over 146 million members Support regulatory relief for credit unions Support holistic evaluation of regulatory burden on credit unions Support modification of credit union loan maturity limits Support credit union field of membership expansion and modernization Support regulator- and bank-approved credit union-bank mergers Support financial inclusion and increased access to financial services Support modifying the credit union member business lending cap Support NCUAs existence as an independent regulator and insurer of credit unions Support assistance for minority depository institution credit unions Support regulatory relief for de novo credit unions Support harmonization of federal cyber incident notification standards Oppose Community Reinvestment Act requirements for credit unions Oppose legislative action to restrict credit union overdraft and courtesy pay programs Support regulatory framework for artificial intelligence that allows responsible innovation and recognizes credit unions compliance with existing regulations Support allowing use of artificial intelligence for regulatory reporting purposes Support mandatory arbitration agreements Oppose national interest rate cap Oppose national credit card interest rate cap Support expanded natural person and corporate credit union investment authority Support expanded credit union examination cycle Support increased examination transparency Support regulatory policies to promote innovation and access to credit Support Central Liquidity Facility and Community Development Revolving Loan Fund enhancements Oppose NCUA examination of credit union vendors Oppose National Credit Union Share Insurance Fund structural changes or premium assessment Support parity in deposit insurance coverage levels between credit unions and banks Oppose additional Call Report fields on loans to credit union officials and senior executive staff Oppose additional Call Report fields on maturity distribution of uninsured shares Oppose making changes to Call Report requirements without using notice-and-comment process Oppose NCUA Call Report collection of overdraft and NSF fee revenue data Support modernization and simplification of Call Report form and instructions Support rescission of NCUA overdraft and NSF fee guidance Oppose collection of vendor information in NCUA Credit Union Profile Oppose changes to NCUA collection forms outside rulemaking process Support NCUA review of normal operating level and methodology Support NCUA action to permit credit union reimbursement of dependent care expenses for federal credit union official duties Oppose NCUA rule on succession planning Support modification of NCUA record retention requirements Oppose excessive NCUA requirements for supervisory committee audits Support NCUA action to reduce scope of supervisory committee examination Support NCUA recognition of digital banking in service facility definition Support clarification of NCUA member expulsion regulations Support NCUA proposed rule on increasing overdraft flexibility Support NCUA recognition of government sponsored enterprises as government agencies for loan maturity limit purposes Support NCUA adoption of floating interest rate cap Support modification of NCUA commercial loan definition Support increased flexibility in NCUA occupancy requirements Support NCUA action to clarify loan participation limits Support NCUA modification of low-income designation process Support expanding NCUA qualified charity definition Support allowing greater weighted average life for corporate credit unions financial assets Support extension of maturity limit for corporate credit union borrowing Support increased flexibility for advertising and notice of insured status Support increased compliance timeline for NCUA simplification of share insurance rule Support removing reputational risk as a component of credit union examinations Support balanced implementation of debanking executive order Support increased NCUA efforts to promote credit union industry Support modernization and streamlining of NCUA operations Support NCUA supervisory flexibility for credit union shutdown assistance efforts Support NCUA action to modernize CAMELS rating system Support modernization of NCUA fidelity bond review requirements Support making CFPB subject to regular appropriations process Support increased CFPB budget transparency Support restructuring CFPB leadership to a bipartisan commission Support creation of a CFPB Inspector General Support reforms to CFPB Civil Investigative Demand process Support increasing asset thresholds for CFPB supervision of credit unions Support clarification of CFPB unfair, deceptive, or abusive acts and practices authority Support CFPB use of Section 1022 authority to exempt credit unions from certain regulations Support CFPB oversight and monitoring of nonbank entities Oppose CFPB efforts to avoid requirements of the rulemaking process Support CFPB use and disclosure of relevant data in rulemakings Support CFPB use of cost-benefit analysis in rulemaking process Support CFPB coordination with NCUA on policy matters and examination scheduling Oppose mislabeling financial services fees as junk fees Oppose arbitrary limits on credit union fee income Oppose CFPB efforts to restrict information in credit reports Support CFPB engaging in ongoing retrospective review of past regulations Support CFPB consumer complaint database reforms Support CFPB no-action letter program with extended timeline and increased protection of sensitive strategic information Oppose expansion of consumer report and consumer reporting agency definitions under the Fair Credit Reporting Act/Regulation V Support consumer protection regulations for buy-now-pay-later loan providers Support inclusion of buy-now-pay-later loans in FHA underwriting Support CFPB use of Civil Penalty Fund for consumer financial education Support increase of Home Mortgage Disclosure Act reporting thresholds Support removal of disparate impact analysis from Regulation B and modification of discouragement standard Support credit union access to universal service fund letters of credit program Support recognition of unique credit union structure in Financial Data Transparency Act joint data standards Support federal data privacy and security standard that exempts Gramm-Leach-Bliley Act covered institutions, preempts state laws, operates on an opt-out basis, recognizes the complexity of data deletion, and does not authorize private right of action Support increased transparency for fintech bank charter applications Support Treasury development of model forms and qualified vehicle list for auto loan interest deduction Support safe harbor for credit unions related to the auto loan interest deduction Support clarification of remittance transfer tax exemptions Support inclusion of credit unions in Trump Accounts program Oppose development of a central bank digital currency Support credit union access to Federal Reserve liquidity options Support gradual expansion of Fedwire and National Settlement Service operating hours with optional participation Oppose addition of fourth same-day ACH window Support expanded flexibility for accessing the Fed discount window and intraday credit Oppose expanded eligibility for Federal Reserve master account access Oppose Regulation II debit interchange fee cap Oppose Federal Reserve proposed rule on modifying Regulation II debit interchange cap Support improvements to the Federal Reserves Debit Card Issuer Survey Oppose legislative action to impose caps or restrictions on debit or credit interchange fees Oppose legislative action to prohibit the Federal Reserve from paying interest on reserves Support Federal Reserve action to coordinate regulatory guidance on penny circulation issues and management of penny supply Support continued offering of Federal Reserve check services Oppose expansion of Electronic Fund Transfer Act/Regulation E financial institution liability Support fair distribution of Electronic Fund Transfer Act/Regulation E error resolution responsibilities Support clarification of funds definition under Electronic Fund Transfer Act/Regulation E Support clarification of Electronic Fund Transfer Act/Regulation E treatment of digital assets Support increased flexibility for check holds and funds availability requirements Support transition to electronic payments for government payments Support consumer education on transition to electronic payments Support clarification of Section 314(b) information sharing safe harbor for identifying and preventing payments fraud Support greater flexibility for credit unions to decline services with clear indica of fraud or elder abuse Support parity for credit union provision of digital asset services Prevent competitive disadvantages for credit unions and market distortions related to the integration of digital assets into traditional financial products Support Treasury and NCUA action to implement regulatory framework for stablecoin issuance Support parity for credit unions related to stablecoin regulation Support NCUAs role as primary regulator of credit unions stablecoin activities Oppose treating stablecoins or digital assets as federally insured Oppose payment of interest, yield, or rewards on stablecoin holdings Support digital assets guardrails to prevent deposit outflows Support clarifying credit unions authority to provide custodial services for their members Support safeguards for rehypothecation of digital assets Support reduced government-sponsored enterprises costs for credit union mortgages Support secondary mortgage market access for credit unions Support continued role for FHFA as an independent regulator Support credit union access to Federal Home Loan Bank system Support expansion of Federal Home Loan Bank Act community financial institution definition Support Federal Home Loan Bank engagement with credit unions Oppose adoption of volume-based incentives for Federal Home Loan Banks Support Federal Home Loan Bank allocations to the Affordable Housing Program Support FinCEN implementation of the Corporate Transparency Act Support additional time to implement anti-money laundering/countering financing of terrorism program changes and publication of guidance Support increasing Currency Transaction Report and Suspicious Activity Report filing thresholds Support streamlining Currency Transaction Report and Suspicious Activity Report forms Support increased inclusion of identifiable information in Section 314(a) information requests Support consistency between NCUA and FinCEN requirements on Bank Secrecy Act compliance Support FinCEN survey to accurately measure Bank Secrecy Act compliance costs Support DOD clarification of Military Lending Act and Servicemembers Civil Relief Act requirements Support standardized disclosures and financial literacy briefings for servicemembers Support credit union access to nominal leases on military installations Oppose nominal leases for banks on military installations Oppose legislative action on the Overseas Military Banking Program Oppose inclusion of interchange, interest rate cap, or fraud liability amendments in the National Defense Authorization Act Support inclusion of currency transaction report/suspicious activity report thresholds and veterans member business lending amendments in the National Defense Authorization Act Support federal share insurance for all credit unions acting as fiscal agents of the U.S. government Support role of Community Development Financial Institutions Fund in promoting economic growth and access to capital in underserved communities Support access to Community Development Financial Institutions Fund awards and technical assistance for credit unions Support Community Development Financial Institutions Fund bond guarantee program Support Community Development Financial Institutions Fund liquidity enhancement pilot program Support disbursement of all Community Development Financial Institution Fund appropriated award funding without additional barriers Support timely completion of Emergency Capital Investment Program disposition agreements Oppose reclassification of credit header information as a consumer report Oppose reliance on single source of documentation to determine instances of identity theft or coerced debt Oppose use of interim final rule to modify personal financial data rights requirements Support modification of Section 1033 rule to allow data providers to charge fees, remove prescriptive technology standards, and establish data privacy standards and allocation of liability Support increased reporting and small business revenue threshold and elimination of discretionary data points collection in revised Section 1071 rule Support modernization of e-signature requirements Support allowing electronic or documented oral credit card applications Support increased flexibility for disclosures Support rescission of CFPB payday lending rule payment provisions Support modification of FCC revocation of consent rule Support greater flexibility for FCC fraud alert exemption Support uniform federal standards and increased federal preemption of state laws on interchange, data privacy, artificial intelligence, and elder financial abuse reporting Support federal safe harbor for provision of financial services to marijuana-related businesses that comply with state laws Issues related to housing finance reform Issues related to flood insurance Issues related to privately insured credit unions Issues related to credit union capital requirements Issues related to credit union conversions Issues related to credit unions as employers Issues related to the Foreign Account Tax Compliance Act Issues related to fair lending Issues related to the Telephone Consumer Protection Act Support nomination of John Crews as a member of the NCUA Board Support Credit Union Board Modernization Act (H.R. 975; S. 522) Support 1071 Repeal to Protect Small Business Lending Act (H.R. 976; S. 557) Support Making the CFPB Accountable to Small Businesses Act (H.R. 1606) Support Financial Integrity and Regulation Management Act (S. 875; H.R. 2702; Senate Amendment 3104) Support Fair Audits and Inspections for Regulators Act (H.R. 940) Support Small LENDER Act (H.R. 941) Support Anti-CBDC Surveillance State Act (H.R. 1919; S. 1124) Support Veterans Member Business Loan Act (H.R. 507; S. 110; Senate Amendment 3776) Support Taking Account of Bureaucrats Spending Act (H.R. 654) Support Rectifying UDAAP Act (H.R. 1652) Support Civil Investigative Demand Reform Act (H.R. 1653) Support SECURE Notarization Act (H.R. 1777; S. 1561) Support Increasing Credit Union Lending for Business Growth Act (H.R. 1791) Support Financial Reporting Threshold Modernization Act (H.R. 1799; Amendment 715 to H.R. 3838) Support Home of Your Own Act (H.R. 2064) Support Homes for Every Local Protector, Educator, and Responder Act (H.R. 2094; S. 978) Support CFPB Dual Mandate and Economic Analysis Act (H.R. 2183) Support Transparency in CFPB Cost-Benefit Analysis Act (H.R. 2331) Support CFPB-IG Reform Act (H.R. 2513) Support Homebuyers Privacy Protection Act (H.R. 2808; S. 1467) Support Financial Institution Regulatory Tailoring Enhancement Act (H.R. 3230) Support Halting Uncertain Methods and Practices in Supervision Act (H.R. 3379) Support Taking Account of Institutions with Low Operation Risk Act (H.R. 3380) Support Bureau of Consumer Financial Protection Commission Act (H.R. 3445) Support Advancing the Mentor-Protege Program for Small Financial Institutions Act (H.R. 3709) Support Expanding Access to Lending Options Act (H.R. 4167) Support CDFI Bond Guarantee Program Improvement Act (S. 1880) Support Taskforce for Recognizing and Averting Payment Scams Act (H.R. 4936; S. 2019; Senate Amendment 3257) Support Capping Excessive Awarding of SBLC Entrants Act (H.R. 2987) Support Expanding Access to Lending Options Act (H.R. 4167) Support Supervisory Modifications for Appropriate Risk-Based Testing Act (H.R. 4437) Support Stop Agency Fiat Enforcement Act (H.R. 4460) Support American Access to Banking Act (H.R. 4544) Support Protecting Access to Credit for Small Businesses Act (S. 2486) Support Business of Insurance Regulatory Reform Act (H.R. 4735; S. 2419) Support NCUA Central Liquidity Facility Enhancement Act (S. 2545, S. 3575; Senate Amendments 3722, 3834, 4384, 5882, 6180) Support CDFI Fund Transparency Act (S. 2704; Senate Amendments 3640, 3732) Support Supporting Upgraded Property Projects and Lending for Yards Act (H.R. 4568) Support Unleashing AI Innovation in Financial Services Act (H.R. 4801) Support AI Practices, Logistics, Actions, and Necessities Act (H.R. 2152) Support Streamlining Transaction Reporting and Ensuring Anti-Money Laundering Improvements for a New Era Act (S. 3017; Senate Amendment 6241) Support NFIP Continuation Act (H.R. 5577) Support 21st Century ROAD to Housing Act (H.R. 6644) Support Regulatory Efficiency, Verification, Itemization, and Enhanced Workflow Act (H.R. 6544) Support Community Bank Regulatory Tailoring Act (H.R. 7056) Support Close the Shadow Banking Loophole Act (S. 3734) Support American Lending Fairness Act (S. 3889; H.R. 7866) Support Community Bank Relief Act (S. 3849; H.R. 7484) Support Access to Fair Financing for Opportunity and Resilient Development Act (Senate Amendments 4354, 4394, 6101; S. 3940) Support Growing Deposit Insurance for the Future Act (H.R. 8088) Support ESCRA Act (H.R. 306) Support Credit Access and Inclusion Act (H.R. 5402; S. 1465) Support FCRA Liability Harmonization Act (H.R. 5775) Support Guarding Unprotected Aging Retirees from Deception Act (H.R. 2978; S. 2544; Senate Amendment 6471) Support Eliminating Fraud in the CFPBs Complaint Database Act (H.R. 7588) Support Fair Credit Reporting Reseller Accuracy Act (H.R. 8141) Support Bank Fraud Technology Advancement Act (H.R. 8671) Support STOP Payments Fraud Act (H.R. 9331) Support emergency transaction account guarantee legislation (H.R. 8075) Support inclusion of guidance on penny circulation and rounding in Common Cents Act (H.R. 3074) Support parity for credit unions and prohibition on stablecoin yield in Digital Asset Market Clarity Act (H.R. 3633) Support modification of Section 705 in Renewing Opportunity in the American Dream to Housing Act (S. 2651) Support inclusion of credit union parity provisions in Main Street Capital Access Act (H.R. 6955) Oppose Repealing Big Brother Overreach Act (H.R. 425; S. 100) Oppose 10 Percent Credit Card Interest Rate Cap Act (H.R. 1944; S. 381; Senate Amendment 2239) Oppose Credit Card Competition Act (Senate Amendments 2229, 2230, 2345, 4305; S. 3623; H.R. 7035) Oppose commissary interchange fee study (Senate Amendment 3216) Oppose commissary coupon pilot program (Senate Amendments 5942, 6034) Oppose End the Feds Big Bank Bailout Act (S. 2113; Senate Amendment 3761) Oppose Credit Card Fairness Act (S. 3660) Oppose S.J.Res. 130, on CFPB overdraft circular Oppose S.J.Res. 132, on CFPB examinations for risks to servicemembers Oppose S.J.Res. 141, on deceptive collection of medical debt","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":154321,"prefix":null,"prefix_display":null,"first_name":"KATHLEEN","nickname":null,"middle_name":null,"last_name":"COULOMBE","suffix":null,"suffix_display":null},"covered_position":null,"new":true},{"lobbyist":{"id":148612,"prefix":"mr","prefix_display":"MR.","first_name":"GREGORY","nickname":null,"middle_name":null,"last_name":"MESACK","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":148607,"prefix":"mr","prefix_display":"MR.","first_name":"BRADFORD","nickname":null,"middle_name":null,"last_name":"THALER","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":29115,"prefix":null,"prefix_display":null,"first_name":"PHIL","nickname":null,"middle_name":null,"last_name":"DRAGER","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":147663,"prefix":null,"prefix_display":null,"first_name":"STEPHANIE","nickname":null,"middle_name":null,"last_name":"BELK","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":147664,"prefix":null,"prefix_display":null,"first_name":"GORDON","nickname":null,"middle_name":null,"last_name":"HOLZBERG","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":152333,"prefix":null,"prefix_display":null,"first_name":"MADISON","nickname":null,"middle_name":null,"last_name":"HUBBARD","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":146201,"prefix":null,"prefix_display":null,"first_name":"CLARK","nickname":null,"middle_name":null,"last_name":"DERRINGTON","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":146203,"prefix":null,"prefix_display":null,"first_name":"JAMES","nickname":null,"middle_name":null,"last_name":"AKIN","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":47583,"prefix":null,"prefix_display":null,"first_name":"LUKE","nickname":null,"middle_name":null,"last_name":"MARTONE","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":146204,"prefix":null,"prefix_display":null,"first_name":"ANDREW","nickname":null,"middle_name":null,"last_name":"MORRIS","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":150377,"prefix":null,"prefix_display":null,"first_name":"TYLER","nickname":null,"middle_name":null,"last_name":"MARON","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":153336,"prefix":null,"prefix_display":null,"first_name":"JEREMY","nickname":null,"middle_name":null,"last_name":"GREENBERG","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":153337,"prefix":null,"prefix_display":null,"first_name":"KRISTIN","nickname":null,"middle_name":null,"last_name":"RHEINS","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":255,"name":"Consumer Financial Protection Bureau (CFPB)"},{"id":25,"name":"Defense, Dept of (DOD)"},{"id":11,"name":"Executive Office of the President (EOP)"},{"id":53,"name":"Federal Communications Commission (FCC)"},{"id":57,"name":"Federal Housing Finance Agency (FHFA)"},{"id":62,"name":"Federal Reserve System"},{"id":235,"name":"Financial Crimes Enforcement Network (FinCEN)"},{"id":5,"name":"Government Accountability Office (GAO)"},{"id":201,"name":"Homeland Security, Dept of (DHS)"},{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":35,"name":"Housing & Urban Development, Dept of (HUD)"},{"id":37,"name":"Justice, Dept of (DOJ)"},{"id":71,"name":"Natl Credit Union Administration (NCUA)"},{"id":198,"name":"Natl Economic Council (NEC)"},{"id":18,"name":"Office of Management & Budget (OMB)"},{"id":1,"name":"SENATE"},{"id":90,"name":"Small Business Administration (SBA)"},{"id":41,"name":"Treasury, Dept of"}]},{"general_issue_code":"BUD","general_issue_code_display":"Budget/Appropriations","description":"Support responsible reductions to NCUA budget Support NCUA budget transparency Support Community Development Financial Institutions Fund funding Support Community Development Financial Institutions Fund transparency Support Community Development Revolving Loan Fund funding Support FinCEN funding Support funding for Small Business Administration loan programs","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":154321,"prefix":null,"prefix_display":null,"first_name":"KATHLEEN","nickname":null,"middle_name":null,"last_name":"COULOMBE","suffix":null,"suffix_display":null},"covered_position":null,"new":true},{"lobbyist":{"id":148612,"prefix":"mr","prefix_display":"MR.","first_name":"GREGORY","nickname":null,"middle_name":null,"last_name":"MESACK","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":148607,"prefix":"mr","prefix_display":"MR.","first_name":"BRADFORD","nickname":null,"middle_name":null,"last_name":"THALER","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":29115,"prefix":null,"prefix_display":null,"first_name":"PHIL","nickname":null,"middle_name":null,"last_name":"DRAGER","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":147663,"prefix":null,"prefix_display":null,"first_name":"STEPHANIE","nickname":null,"middle_name":null,"last_name":"BELK","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":147664,"prefix":null,"prefix_display":null,"first_name":"GORDON","nickname":null,"middle_name":null,"last_name":"HOLZBERG","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":152333,"prefix":null,"prefix_display":null,"first_name":"MADISON","nickname":null,"middle_name":null,"last_name":"HUBBARD","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":146203,"prefix":null,"prefix_display":null,"first_name":"JAMES","nickname":null,"middle_name":null,"last_name":"AKIN","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":47583,"prefix":null,"prefix_display":null,"first_name":"LUKE","nickname":null,"middle_name":null,"last_name":"MARTONE","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":146204,"prefix":null,"prefix_display":null,"first_name":"ANDREW","nickname":null,"middle_name":null,"last_name":"MORRIS","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":150377,"prefix":null,"prefix_display":null,"first_name":"TYLER","nickname":null,"middle_name":null,"last_name":"MARON","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":153336,"prefix":null,"prefix_display":null,"first_name":"JEREMY","nickname":null,"middle_name":null,"last_name":"GREENBERG","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":153337,"prefix":null,"prefix_display":null,"first_name":"KRISTIN","nickname":null,"middle_name":null,"last_name":"RHEINS","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":71,"name":"Natl Credit Union Administration (NCUA)"},{"id":1,"name":"SENATE"}]},{"general_issue_code":"SMB","general_issue_code_display":"Small Business","description":"Support streamlining of SBA process to facilitate credit union participation in government-guaranteed lending programs Support enhanced SBA outreach and education efforts for government-guaranteed lending programs Oppose SBA direct lending Oppose participation in SBA government-guaranteed lending programs by underregulated fintechs Oppose rescission of small business lending company moratorium Oppose creation of mission-based small business lending company designation Oppose SBA affiliation and lending criteria revisions rule","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":148612,"prefix":"mr","prefix_display":"MR.","first_name":"GREGORY","nickname":null,"middle_name":null,"last_name":"MESACK","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":148607,"prefix":"mr","prefix_display":"MR.","first_name":"BRADFORD","nickname":null,"middle_name":null,"last_name":"THALER","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":29115,"prefix":null,"prefix_display":null,"first_name":"PHIL","nickname":null,"middle_name":null,"last_name":"DRAGER","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":147663,"prefix":null,"prefix_display":null,"first_name":"STEPHANIE","nickname":null,"middle_name":null,"last_name":"BELK","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":147664,"prefix":null,"prefix_display":null,"first_name":"GORDON","nickname":null,"middle_name":null,"last_name":"HOLZBERG","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":152333,"prefix":null,"prefix_display":null,"first_name":"MADISON","nickname":null,"middle_name":null,"last_name":"HUBBARD","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":146203,"prefix":null,"prefix_display":null,"first_name":"JAMES","nickname":null,"middle_name":null,"last_name":"AKIN","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":1,"name":"SENATE"},{"id":90,"name":"Small Business Administration (SBA)"}]}],"conviction_disclosures":[],"foreign_entities":[],"affiliated_organizations":[]},{"url":"https://lda.gov/api/v1/filings/5c7abc8b-d25c-4a90-bad1-c91770b1858f/","filing_uuid":"5c7abc8b-d25c-4a90-bad1-c91770b1858f","filing_type":"Q2","filing_type_display":"2nd Quarter - Report","filing_year":2026,"filing_period":"second_quarter","filing_period_display":"2nd Quarter (Apr 1 - June 30)","filing_document_url":"https://lda.gov/filings/public/filing/5c7abc8b-d25c-4a90-bad1-c91770b1858f/print/","filing_document_content_type":"text/html","income":null,"expenses":"520000.00","expenses_method":"A","expenses_method_display":"A","posted_by_name":"Jon Boughtin","dt_posted":"2026-07-20T11:55:44-04:00","termination_date":null,"registrant_country":"United States of America","registrant_ppb_country":"United States of America","registrant_address_1":"1201 Pennsylvania AVE NW","registrant_address_2":"Suite 840","registrant_different_address":false,"registrant_city":"Washington","registrant_state":"DC","registrant_zip":"20004","registrant":{"id":62131,"url":"https://lda.gov/api/v1/registrants/62131/","house_registrant_id":35449,"name":"TRANS UNION LLC","description":"consumer credit reporting and analytical services","address_1":"1201 Pennsylvania AVE NW","address_2":"Suite 840","address_3":null,"address_4":null,"city":"Washington","state":"DC","state_display":"District of Columbia","zip":"20004","country":"US","country_display":"United States of America","ppb_country":"US","ppb_country_display":"United States of America","contact_name":"ALLISON SHUSTER","contact_telephone":"+1 202-718-4137","dt_updated":"2026-07-06T19:19:08.203823-04:00"},"client":{"id":161956,"url":"https://lda.gov/api/v1/clients/161956/","client_id":12,"name":"TRANS UNION LLC","general_description":null,"client_government_entity":false,"client_self_select":true,"state":"DC","state_display":"District of Columbia","country":"US","country_display":"United States of America","ppb_state":"DC","ppb_state_display":"District of Columbia","ppb_country":"US","ppb_country_display":"United States of America","effective_date":"2014-03-26"},"lobbying_activities":[{"general_issue_code":"BAN","general_issue_code_display":"Banking","description":"S. 619 - Credit Freeze for Kids Act: Provisions pertaining to credit freezing for children. S. 1465, H.R. 5402 - Credit Access and Inclusion Act: Provisions pertaining to consumer credit, alternative data and financial inclusion. H.R. 306 - Ending Scam Credit Repair Act (ESCRA Act): Provisions pertaining to credit repair companies. S. 2074 - Servicemembers' Credit Monitoring Enhancement Act: Issues pertaining to servicemembers' credit monitoring. H.R. 5775 - FCRA Liability Harmonization Act: Provisions pertaining to liability statutes in the Fair Credit Reporting Act. H.R. 7588 - Eliminating fraud in the CFPB's Complaint Database Act: Provisions pertaining to Consumer Financial Protection Bureau's complaint portal. H.R. 7270: Stop Identity Fraud and Identity Theft Act of 2026: Provisions pertaining to digital identity and identity fraud. H.R. 8413 - Securing and Establishing Consumer Uniform Rights and Enforcement (SECURE) Data Act; H.R. 8398 - Guidelines for Use, Access, and Responsible Disclosure of Financial Data (GUARD) Act: Provisions pertaining to consumer privacy and financial privacy. S.J. Res. 133, S.J. Res. 129, S.J. Res. 155, S.J. Res. 127: Issues related to actions taken by the Consumer Financial Protection Bureau. Issues related to the cost of credit reports and scores; inclusion of alternative credit scores for GSE mortgages. Issues related to collection of student loan debt by the federal government.","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":141353,"prefix":null,"prefix_display":null,"first_name":"PALMER","nickname":null,"middle_name":null,"last_name":"RAFFERTY","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":152628,"prefix":null,"prefix_display":null,"first_name":"JON","nickname":null,"middle_name":null,"last_name":"BOUGHTIN","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":57,"name":"Federal Housing Finance Agency (FHFA)"},{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":35,"name":"Housing & Urban Development, Dept of (HUD)"},{"id":198,"name":"Natl Economic Council (NEC)"},{"id":1,"name":"SENATE"},{"id":41,"name":"Treasury, Dept of"},{"id":12,"name":"White House Office"}]},{"general_issue_code":"CSP","general_issue_code_display":"Consumer Issues/Safety/Products","description":"H.R. 7757 - Kids Internet and Digital Safety (KIDS) Act: Provisions pertaining to additional protections for the online privacy of children and teens. Issues pertaining to consumer data privacy and a potential federal framework.","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":141353,"prefix":null,"prefix_display":null,"first_name":"PALMER","nickname":null,"middle_name":null,"last_name":"RAFFERTY","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":152628,"prefix":null,"prefix_display":null,"first_name":"JON","nickname":null,"middle_name":null,"last_name":"BOUGHTIN","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":1,"name":"SENATE"}]},{"general_issue_code":"HOU","general_issue_code_display":"Housing","description":"Issues relating to Federal Housing Finance Agency Governance of the use of Credit Scores and Reports for GSE Loans. Issues related to GSE reform.","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":141353,"prefix":null,"prefix_display":null,"first_name":"PALMER","nickname":null,"middle_name":null,"last_name":"RAFFERTY","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":152628,"prefix":null,"prefix_display":null,"first_name":"JON","nickname":null,"middle_name":null,"last_name":"BOUGHTIN","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":57,"name":"Federal Housing Finance Agency (FHFA)"},{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":35,"name":"Housing & Urban Development, Dept of (HUD)"},{"id":198,"name":"Natl Economic Council (NEC)"},{"id":1,"name":"SENATE"},{"id":41,"name":"Treasury, Dept of"},{"id":12,"name":"White House Office"}]}],"conviction_disclosures":[],"foreign_entities":[],"affiliated_organizations":[]},{"url":"https://lda.gov/api/v1/filings/e5524a57-c7fa-412e-81b1-45336ae44b87/","filing_uuid":"e5524a57-c7fa-412e-81b1-45336ae44b87","filing_type":"Q2","filing_type_display":"2nd Quarter - Report","filing_year":2026,"filing_period":"second_quarter","filing_period_display":"2nd Quarter (Apr 1 - June 30)","filing_document_url":"https://lda.gov/filings/public/filing/e5524a57-c7fa-412e-81b1-45336ae44b87/print/","filing_document_content_type":"text/html","income":null,"expenses":"90000.00","expenses_method":"B","expenses_method_display":"B","posted_by_name":"Michael D. Calhoun","dt_posted":"2026-07-20T17:26:22-04:00","termination_date":null,"registrant_country":"United States of America","registrant_ppb_country":null,"registrant_address_1":"910 17TH STREET, NW, Suite 800","registrant_address_2":null,"registrant_different_address":false,"registrant_city":"WASHINGTON","registrant_state":"DC","registrant_zip":"20006","registrant":{"id":283630,"url":"https://lda.gov/api/v1/registrants/283630/","house_registrant_id":36835,"name":"CENTER FOR RESPONSIBLE LENDING, A SUPPORTING CORP OF CTR FOR COMMUNITY SELF-HELP","description":null,"address_1":"910 17TH STREET, NW, #500","address_2":null,"address_3":null,"address_4":null,"city":"WASHINGTON","state":"DC","state_display":"District of Columbia","zip":"20006","country":"US","country_display":"United States of America","ppb_country":"US","ppb_country_display":"United States of America","contact_name":"MICHAEL CALHOUN","contact_telephone":"+1 202-349-1862","dt_updated":"2026-07-29T13:41:27.530137-04:00"},"client":{"id":174857,"url":"https://lda.gov/api/v1/clients/174857/","client_id":12,"name":"CENTER FOR RESPONSIBLE LENDING A SUPPORTING CORP OF CTR FOR COMMUNITY SELF-HELP","general_description":null,"client_government_entity":false,"client_self_select":true,"state":"DC","state_display":"District of Columbia","country":"US","country_display":"United States of America","ppb_state":"DC","ppb_state_display":"District of Columbia","ppb_country":"US","ppb_country_display":"United States of America","effective_date":"2003-12-19"},"lobbying_activities":[{"general_issue_code":"BAN","general_issue_code_display":"Banking","description":"H.R. 9330 - opposing the Earned Wage Access Consumer Protection Act, concerning the preemption of state payday lending laws, the Military Lending Act, and the Equal Credit Opportunity Act. H.R. 6955 - financial services deregulation legislation, concerning rollbacks of consumer protection and bank regulatory authority, including provisions affecting the Consumer Financial Protection Bureau and the Community Reinvestment Act. H.R. 941 - opposing the small Lenders Exempt from New Data and Excessive Reporting (LENDER) Act, concerning small business lending data collection under Section 1071 of the Dodd-Frank Act. S. 3793 - Predatory Lending Elimination Act and S. 3889 - American Lending Fairness Act, concerning the acquisition of banks by high-cost consumer lenders. Industrial bank and bank charter applications of high-cost consumer lenders (Enova, OppFi), including comments to the Federal Reserve. H.R. 8395 - PACE Act, concerning fintech company access to Federal Reserve payment systems. H.R. 6552 - Bank-Fintech Partnership Enhancement Act, concerning partnerships between banks and fintech companies. S. 3721 - Empowering States' Rights to Protect Consumers Act, concerning state authority over consumer financial services. S. 3561 - Buy Now, Pay Later Protection Act, concerning Truth in Lending Act protections for buy now, pay later products. Proposed amendments to the Gramm-Leach-Bliley Act concerning preemption of state consumer financial protection laws. Digital assets, cryptocurrency, and stablecoin legislation and regulation, including comments to the OCC, congressional testimony on digital assets, and tax provisions affecting the cryptocurrency industry in budget reconciliation legislation. Legislation and appropriations concerning funding for the Consumer Financial Protection Bureau. Oversight of Consumer Financial Protection Bureau operations, including the removal of public consumer and student loan data and information from the agency's website, and staffing actions affecting supervision and enforcement. CFPB 2026-2030 Draft Strategic Plan; nomination of the Director of the Consumer Financial Protection Bureau; nomination for Chair of the Federal Reserve System.","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":137903,"prefix":"mr","prefix_display":"MR.","first_name":"DAVID","nickname":null,"middle_name":null,"last_name":"FERREIRA","suffix":null,"suffix_display":null},"covered_position":"Special Assistant, U.S. Department of Energy, Schedule C appointee 1998-2000","new":false}],"government_entities":[{"id":255,"name":"Consumer Financial Protection Bureau (CFPB)"},{"id":54,"name":"Federal Deposit Insurance Corporation (FDIC)"},{"id":62,"name":"Federal Reserve System"},{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":183,"name":"Office of the Comptroller of the Currency (OCC)"},{"id":88,"name":"Securities & Exchange Commission (SEC)"},{"id":1,"name":"SENATE"},{"id":41,"name":"Treasury, Dept of"}]},{"general_issue_code":"HOU","general_issue_code_display":"Housing","description":"H.R. 6644 / S. 7 - 21st Century ROAD to Housing Act, comprehensive housing legislation, and related House housing package measures, including H.R. 5878. Real estate listing practices, including undisclosed ('pocket') listings, and their effect on access to housing.","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":137903,"prefix":"mr","prefix_display":"MR.","first_name":"DAVID","nickname":null,"middle_name":null,"last_name":"FERREIRA","suffix":null,"suffix_display":null},"covered_position":"Special Assistant, U.S. Department of Energy, Schedule C appointee 1998-2000","new":false}],"government_entities":[{"id":173,"name":"Federal Highway Administration (FHA)"},{"id":57,"name":"Federal Housing Finance Agency (FHFA)"},{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":35,"name":"Housing & Urban Development, Dept of (HUD)"},{"id":1,"name":"SENATE"}]},{"general_issue_code":"BUD","general_issue_code_display":"Budget/Appropriations","description":"Nomination for Deputy Director of the Office of Management and Budget.","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":137903,"prefix":"mr","prefix_display":"MR.","first_name":"DAVID","nickname":null,"middle_name":null,"last_name":"FERREIRA","suffix":null,"suffix_display":null},"covered_position":"Special Assistant, US Department of Energy, Schedule C appointee 1998-2000","new":false}],"government_entities":[{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":18,"name":"Office of Management & Budget (OMB)"},{"id":1,"name":"SENATE"}]},{"general_issue_code":"VET","general_issue_code_display":"Veterans","description":"Military Lending Act protections and its 36% Military Annual Percentage Rate cap, including proposed exemptions for earned wage access products (H.R. 9330). Consumer Financial Protection Bureau examination and supervision for compliance with the Military Lending Act and the Servicemembers Civil Relief Act (SCRA), including the effects of agency staffing changes and the removal of servicemember information from the agency's website on servicemember financial protections.","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":137903,"prefix":"mr","prefix_display":"MR.","first_name":"DAVID","nickname":null,"middle_name":null,"last_name":"FERREIRA","suffix":null,"suffix_display":null},"covered_position":"Special Assistant, U.S. Department of Energy, Schedule C appointee 1998-2000","new":false}],"government_entities":[{"id":25,"name":"Defense, Dept of (DOD)"},{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":1,"name":"SENATE"}]},{"general_issue_code":"CIV","general_issue_code_display":"Civil Rights/Civil Liberties","description":"Fair lending and the disparate impact of high-cost and predatory lending on communities of color, including opposition to high-cost lender bank applications (Enova, OppFi). Preservation of the Community Reinvestment Act and other anti-redlining protections, including provisions in financial services deregulation legislation (H.R. 6955). Application of the Equal Credit Opportunity Act to emerging consumer financial products, including proposed exemptions for earned wage access products (H.R. 9330). FY2027 appropriations riders concerning diversity, equity, inclusion, and accessibility.","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":137903,"prefix":"mr","prefix_display":"MR.","first_name":"DAVID","nickname":null,"middle_name":null,"last_name":"FERREIRA","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":255,"name":"Consumer Financial Protection Bureau (CFPB)"},{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":35,"name":"Housing & Urban Development, Dept of (HUD)"},{"id":1,"name":"SENATE"}]},{"general_issue_code":"CSP","general_issue_code_display":"Consumer Issues/Safety/Products","description":"H.R. 8141 - Fair Credit Reporting Reseller Accuracy Act and H.R. 5775 - FCRA Liability Harmonization Act, concerning amendments to the Fair Credit Reporting Act (FCRA). H.R. 5402 - Credit Access and Inclusion Act of 2025, concerning the inclusion of rent and utility payment data in consumer credit reports. H.R. 7588 - Complaint Database Act, concerning the Consumer Financial Protection Bureau consumer complaint database. H.R. 4801 - Unleashing AI Innovation in Financial Services Act, and related legislation and oversight concerning artificial intelligence preemption of state consumer protection laws (Obernolte-Trahan), an artificial intelligence 'sandbox' in cryptocurrency legislation, the entry of artificial intelligence assistants into financial services, and the sharing of consumer financial data with artificial intelligence providers; use of artificial intelligence and algorithms in consumer credit and financial products. Algorithmic and artificial-intelligence-driven pricing and fees in rental housing, including the use of shared landlord data to set rents and rental fees. Consumer financial fees, including Consumer Financial Protection Bureau rules on credit card late fees and overdraft fees and supervision of payment applications. H.R. 9330 - Earned Wage Access Consumer Protection Act; high-cost and predatory consumer lending, including Enova and OppFi bank applications.","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":137903,"prefix":"mr","prefix_display":"MR.","first_name":"DAVID","nickname":null,"middle_name":null,"last_name":"FERREIRA","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":255,"name":"Consumer Financial Protection Bureau (CFPB)"},{"id":64,"name":"Federal Trade Commission (FTC)"},{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":1,"name":"SENATE"}]},{"general_issue_code":"SMB","general_issue_code_display":"Small Business","description":"H.R. 941 - Small Lenders Exempt from New Data and Excessive Reporting (LENDER) Act, concerning small business lending data collection under Section 1071 of the Dodd-Frank Act.","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":137903,"prefix":"mr","prefix_display":"MR.","first_name":"DAVID","nickname":null,"middle_name":null,"last_name":"FERREIRA","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":255,"name":"Consumer Financial Protection Bureau (CFPB)"},{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":1,"name":"SENATE"},{"id":90,"name":"Small Business Administration (SBA)"}]}],"conviction_disclosures":[],"foreign_entities":[],"affiliated_organizations":[]},{"url":"https://lda.gov/api/v1/filings/b071ff3e-4f9d-4232-8d2c-9b5e2eaefa8d/","filing_uuid":"b071ff3e-4f9d-4232-8d2c-9b5e2eaefa8d","filing_type":"Q3","filing_type_display":"3rd Quarter - Report","filing_year":2026,"filing_period":"third_quarter","filing_period_display":"3rd Quarter (July 1 - Sep 30)","filing_document_url":"https://lda.gov/filings/public/filing/b071ff3e-4f9d-4232-8d2c-9b5e2eaefa8d/print/","filing_document_content_type":"text/html","income":null,"expenses":"1060000.00","expenses_method":"A","expenses_method_display":"A","posted_by_name":"Greg Mesack","dt_posted":"2026-10-14T10:17:41-04:00","termination_date":null,"registrant_country":"United States of America","registrant_ppb_country":"United States of America","registrant_address_1":"99 M Street, SE","registrant_address_2":"Suite 300","registrant_different_address":false,"registrant_city":"WASHINGTON","registrant_state":"DC","registrant_zip":"20003","registrant":{"id":11322,"url":"https://lda.gov/api/v1/registrants/11322/","house_registrant_id":31877,"name":"AMERICAS CREDIT UNIONS, FKA CREDIT UNION NATIONAL ASSOCIATION, INC. DBA AMERICAS CREDIT UNIONS","description":null,"address_1":"99 M Street, SE","address_2":"Suite 300","address_3":null,"address_4":null,"city":"WASHINGTON","state":"DC","state_display":"District of Columbia","zip":"20003","country":"US","country_display":"United States of America","ppb_country":"US","ppb_country_display":"United States of America","contact_name":"GREG MESACK","contact_telephone":"+1 202-491-7614","dt_updated":"2026-10-14T15:38:47.017132-04:00"},"client":{"id":115381,"url":"https://lda.gov/api/v1/clients/115381/","client_id":12,"name":"AMERICAS CREDIT UNIONS, FKA CREDIT UNION NATIONAL ASSOCIATION, INC. DBA AMERICA","general_description":null,"client_government_entity":false,"client_self_select":true,"state":"DC","state_display":"District of Columbia","country":"US","country_display":"United States of America","ppb_state":"DC","ppb_state_display":"District of Columbia","ppb_country":"US","ppb_country_display":"United States of America","effective_date":"2007-08-13"},"lobbying_activities":[{"general_issue_code":"BAN","general_issue_code_display":"Banking","description":"Protect the credit union tax exemption Support legislation and regulation that advance credit unions and their over 146 million members Support regulatory relief for credit unions Support holistic evaluation of regulatory burden on credit unions Support modification of credit union loan maturity limits Support credit union field of membership expansion and modernization Support regulator- and bank-approved credit union-bank mergers Support financial inclusion and increased access to financial services Support modifying the credit union member business lending cap Support NCUAs existence as an independent regulator and insurer of credit unions Support assistance for minority depository institution credit unions Support regulatory relief for de novo credit unions Support harmonization of federal cyber incident notification standards Oppose Community Reinvestment Act requirements for credit unions Oppose legislative action to restrict credit union overdraft and courtesy pay programs Support regulatory framework for artificial intelligence that allows responsible innovation and recognizes credit unions compliance with existing regulations Support allowing use of artificial intelligence for regulatory reporting purposes Support mandatory arbitration agreements Oppose national interest rate cap Oppose national credit card interest rate cap Support expanded natural person and corporate credit union investment authority Support expanded credit union examination cycle Support increased examination transparency Support regulatory policies to promote innovation and access to credit Support Central Liquidity Facility and Community Development Revolving Loan Fund enhancements Oppose NCUA examination of credit union vendors Oppose National Credit Union Share Insurance Fund structural changes or premium assessment Support parity in deposit insurance coverage levels between credit unions and banks Oppose additional Call Report fields on loans to credit union officials and senior executive staff Oppose additional Call Report fields on maturity distribution of uninsured shares Oppose NCUA Call Report collection of overdraft and NSF fee revenue data Support modernization and simplification of Call Report form and instructions Oppose collection of vendor information in NCUA Credit Union Profile Oppose changes to NCUA collection forms outside rulemaking process Support NCUA review of normal operating level and methodology Oppose NCUA rule on succession planning Oppose excessive NCUA requirements for supervisory committee audits Support NCUA action to reduce scope of supervisory committee examination Support NCUA recognition of digital banking in service facility definition Support clarification of NCUA member expulsion regulations Support NCUA proposed rule on increasing overdraft flexibility Support NCUA recognition of government sponsored enterprises as government agencies for loan maturity limit purposes Support NCUA adoption of floating interest rate cap Support modification of NCUA commercial loan definition Support increased flexibility in NCUA occupancy requirements Support NCUA action to clarify loan participation limits Support NCUA modification of low-income designation process Support expanding NCUA qualified charity definition Support allowing greater weighted average life for corporate credit unions financial assets Support extension of maturity limit for corporate credit union borrowing Support increased flexibility for advertising and notice of insured status Support increased compliance timeline for NCUA simplification of share insurance rule Support balanced implementation of debanking executive order Support increased NCUA efforts to promote credit union industry Support modernization and streamlining of NCUA operations Support NCUA supervisory flexibility for credit union shutdown assistance efforts Support NCUA and FFIEC action to modernize CAMELS rating system Support modernization of NCUA fidelity bond review requirements Support increased threshold for Depository Institution Management Interlocks Act major assets prohibition Support clarification of Federal Credit Union Act preemption of state interchange laws Support making CFPB subject to regular appropriations process Support increased CFPB budget transparency Support restructuring CFPB leadership to a bipartisan commission Support creation of a CFPB Inspector General Support reforms to CFPB Civil Investigative Demand process Support increasing and indexing asset thresholds for CFPB supervision of credit unions Support clarification of CFPB unfair, deceptive, or abusive acts and practices authority Support CFPB use of Section 1022 authority to exempt credit unions from certain regulations Support CFPB oversight and monitoring of nonbank entities Oppose CFPB efforts to avoid requirements of the rulemaking process Support CFPB use and disclosure of relevant data in rulemakings Support CFPB use of cost-benefit analysis in rulemaking process Support CFPB coordination with NCUA on policy matters and examination scheduling Oppose mislabeling financial services fees as junk fees Oppose arbitrary limits on credit union fee income Oppose CFPB efforts to restrict information in credit reports Support CFPB engaging in ongoing retrospective review of past regulations Support CFPB consumer complaint database reforms Support CFPB no-action letter program with extended timeline and increased protection of sensitive strategic information Oppose expansion of consumer report and consumer reporting agency definitions under the Fair Credit Reporting Act/Regulation V Support consumer protection regulations for buy-now-pay-later loan providers Support inclusion of buy-now-pay-later loans in FHA underwriting Support CFPB use of Civil Penalty Fund for consumer financial education Support increase of Home Mortgage Disclosure Act reporting thresholds Support reforms to increase flexibility for TILA-RESPA Integrated Disclosure requirements Support inclusion of eligibility language for VA loans in FHA Informed Consumer Choice Disclosure Notice Support credit union access to universal service fund letters of credit program Support federal data privacy and security standard that exempts Gramm-Leach-Bliley Act covered institutions, preempts state laws, operates on an opt-out basis, recognizes the complexity of data deletion, and does not authorize private right of action Support increased transparency for fintech bank charter applications Support Treasury development of model forms and qualified vehicle list for auto loan interest deduction Support safe harbor for credit unions related to the auto loan interest deduction Support clarification of remittance transfer tax exemptions Support inclusion of credit unions in Trump Accounts program Oppose development of a central bank digital currency Support credit union access to Federal Reserve liquidity options Support gradual expansion of Fedwire and National Settlement Service operating hours with optional participation Oppose addition of fourth same-day ACH window Support expanded flexibility for accessing the Fed discount window and intraday credit Oppose expanded eligibility for Federal Reserve master account access Oppose Regulation II debit interchange fee cap Oppose Federal Reserve proposed rule on modifying Regulation II debit interchange cap Support improvements to the Federal Reserves Debit Card Issuer Survey Oppose legislative action to impose caps or restrictions on debit or credit interchange fees Oppose legislative action to prohibit the Federal Reserve from paying interest on reserves Support Federal Reserve action to coordinate regulatory guidance on penny circulation issues and management of penny supply Support continued offering of Federal Reserve check services Oppose expansion of Electronic Fund Transfer Act/Regulation E financial institution liability Support fair distribution of Electronic Fund Transfer Act/Regulation E error resolution responsibilities Support clarification of funds definition under Electronic Fund Transfer Act/Regulation E Support clarification of Electronic Fund Transfer Act/Regulation E treatment of digital assets Support increased flexibility for check holds and funds availability requirements Support transition to electronic payments for government payments Support clarification of Section 314(b) information sharing safe harbor for identifying and preventing payments fraud and additional flexibility for annual renewal requirement Support greater flexibility for credit unions to decline services with clear indicia of fraud or elder abuse Support parity for credit union provision of digital asset services and related regulations Prevent competitive disadvantages for credit unions and market distortions related to the integration of digital assets into traditional financial products Support Treasury and NCUA action to implement regulatory framework for stablecoin issuance Support NCUAs role as primary regulator of credit unions stablecoin activities Oppose treating stablecoins or digital assets as federally insured Oppose payment of interest, yield, or rewards on stablecoin holdings Support digital assets guardrails to prevent deposit outflows Support clarifying credit unions authority to provide custodial services for their members Support safeguards for rehypothecation of digital assets Support reduced government-sponsored enterprises costs for credit union mortgages Support secondary mortgage market access for credit unions Support continued role for FHFA as an independent regulator Support credit union access to Federal Home Loan Bank system Support expansion of Federal Home Loan Bank Act community financial institution definition Support Federal Home Loan Bank engagement with credit unions Oppose adoption of volume-based incentives for Federal Home Loan Banks Support Federal Home Loan Bank allocations to the Affordable Housing Program Support FinCEN implementation of the Corporate Transparency Act Support risk-based approach to anti-money laundering/countering financing of terrorism program requirements Support increasing Currency Transaction Report and Suspicious Activity Report filing thresholds Support streamlining Currency Transaction Report and Suspicious Activity Report forms Support increased inclusion of identifiable information in Section 314(a) information requests Support consistency between NCUA and FinCEN requirements on Bank Secrecy Act compliance Support FinCEN survey to accurately measure Bank Secrecy Act compliance costs Support DOD clarification of Military Lending Act and Servicemembers Civil Relief Act requirements Support standardized disclosures and financial literacy briefings for servicemembers Support credit union access to nominal leases on military installations Oppose nominal leases for banks on military installations Oppose legislative action on the Overseas Military Banking Program Oppose inclusion of interchange, interest rate cap, or fraud liability amendments in the National Defense Authorization Act Support inclusion of currency transaction report/suspicious activity report thresholds and veterans member business lending amendments in the National Defense Authorization Act Support federal share insurance for all credit unions acting as fiscal agents of the U.S. government Support role of Community Development Financial Institutions Fund in promoting economic growth and access to capital in underserved communities Support access to Community Development Financial Institutions Fund awards and technical assistance for credit unions Support Community Development Financial Institutions Fund bond guarantee program Support Community Development Financial Institutions Fund liquidity enhancement pilot program Support disbursement of all Community Development Financial Institution Fund appropriated award funding without additional barriers Support timely completion of Emergency Capital Investment Program disposition agreements Oppose reclassification of credit header information as a consumer report Oppose reliance on single source of documentation to determine instances of identity theft or coerced debt Oppose use of interim final rule to modify personal financial data rights requirements Support modification of Section 1033 rule to allow data providers to charge fees, remove prescriptive technology standards, and establish data privacy standards and allocation of liability Support modernization of e-signature requirements Support allowing electronic or documented oral credit card applications Support increased flexibility for disclosures Support rescission of CFPB payday lending rule payment provisions Support modification of FCC revocation of consent rule Support greater flexibility for FCC fraud alert exemption Support FCC efforts to combat illegal robocalls and robotexts Support uniform federal standards and increased federal preemption of state laws on interchange, data privacy, artificial intelligence, and elder financial abuse reporting Support federal safe harbor for provision of financial services to marijuana-related businesses that comply with state laws Issues related to housing finance reform Issues related to flood insurance Issues related to privately insured credit unions Issues related to credit union capital requirements Issues related to credit union conversions Issues related to credit unions as employers Issues related to the Foreign Account Tax Compliance Act Issues related to fair lending Issues related to the Telephone Consumer Protection Act Support nomination of John Crews as a member of the NCUA Board Support Credit Union Board Modernization Act (H.R. 975; S. 522) Support 1071 Repeal to Protect Small Business Lending Act (H.R. 976; S. 557) Support Making the CFPB Accountable to Small Businesses Act (H.R. 1606) Support Financial Integrity and Regulation Management Act (S. 875; H.R. 2702; Senate Amendment 3104) Support Fair Audits and Inspections for Regulators Exams Act (H.R. 940; S. 5335) Support Small LENDER Act (H.R. 941) Support Anti-CBDC Surveillance State Act (H.R. 1919; S. 1124) Support Veterans Member Business Loan Act (H.R. 507; S. 110; Senate Amendment 3776) Support Taking Account of Bureaucrats Spending Act (H.R. 654) Support Rectifying UDAAP Act (H.R. 1652) Support Civil Investigative Demand Reform Act (H.R. 1653) Support SECURE Notarization Act (H.R. 1777; S. 1561) Support Increasing Credit Union Lending for Business Growth Act (H.R. 1791) Support Financial Reporting Threshold Modernization Act (H.R. 1799; Amendment 715 to H.R. 3838) Support Home of Your Own Act (H.R. 2064) Support Homes for Every Local Protector, Educator, and Responder Act (H.R. 2094; S. 978) Support CFPB Dual Mandate and Economic Analysis Act (H.R. 2183) Support Transparency in CFPB Cost-Benefit Analysis Act (H.R. 2331) Support CFPB-IG Reform Act (H.R. 2513) Support Financial Institution Regulatory Tailoring Enhancement Act (H.R. 3230) Support Halting Uncertain Methods and Practices in Supervision Act (H.R. 3379) Support Taking Account of Institutions with Low Operation Risk Act (H.R. 3380) Support Bureau of Consumer Financial Protection Commission Act (H.R. 3445) Support Advancing the Mentor-Protege Program for Small Financial Institutions Act (H.R. 3709) Support Expanding Access to Lending Options Act (H.R. 4167; S. 3616) Support CDFI Bond Guarantee Program Improvement Act (S. 1880) Support Taskforce for Recognizing and Averting Payment Scams Act (H.R. 4936; S. 2019; Senate Amendment 3257) Support Capping Excessive Awarding of SBLC Entrants Act (H.R. 2987) Support Supervisory Modifications for Appropriate Risk-Based Testing Act (H.R. 4437) Support Stop Agency Fiat Enforcement Act (H.R. 4460) Support American Access to Banking Act (H.R. 4544) Support Protecting Access to Credit for Small Businesses Act (S. 2486) Support Business of Insurance Regulatory Reform Act (H.R. 4735; S. 2419) Support NCUA Central Liquidity Facility Enhancement Act (S. 2545, S. 3575; Senate Amendments 3722, 3834, 4384, 5882, 6180) Support CDFI Fund Transparency Act (S. 2704; Senate Amendments 3640, 3732; H.R. 7775) Support Supporting Upgraded Property Projects and Lending for Yards Act (H.R. 4568) Support Unleashing AI Innovation in Financial Services Act (H.R. 4801) Support AI Practices, Logistics, Actions, and Necessities Act (H.R. 2152) Support Streamlining Transaction Reporting and Ensuring Anti-Money Laundering Improvements for a New Era Act (S. 3017; Senate Amendment 6241) Support NFIP Continuation Act (H.R. 5577) Support 21st Century ROAD to Housing Act (H.R. 6644) Support Regulatory Efficiency, Verification, Itemization, and Enhanced Workflow Act (H.R. 6544) Support Community Bank Regulatory Tailoring Act (H.R. 7056) Support Close the Shadow Banking Loophole Act (S. 3734) Support American Lending Fairness Act (S. 3889; H.R. 7866) Support Community Bank Relief Act (S. 3849; H.R. 7484) Support Access to Fair Financing for Opportunity and Resilient Development Act (Senate Amendments 4354, 4394, 6101; S. 3940) Support Main Street Depositor Protection Act (S. 4198; Senate Amendment 6396) Support Growing Deposit Insurance for the Future Act (H.R. 8088) Support ESCRA Act (H.R. 306) Support Credit Access and Inclusion Act (H.R. 5402; S. 1465) Support FCRA Liability Harmonization Act (H.R. 5775) Support Guarding Unprotected Aging Retirees from Deception Act (H.R. 2978; S. 2544; Senate Amendment 6471) Support MORE Opportunities for Homeownership Act (H.R. 7647) Support Eliminating Fraud in the CFPBs Complaint Database Act (H.R. 7588) Support Fair Credit Reporting Reseller Accuracy Act (H.R. 8141) Support Bank Fraud Technology Advancement Act (H.R. 8671) Support STOP Payments Fraud Act (H.R. 9331) Support emergency transaction account guarantee legislation (H.R. 8075) Support Credit Union Investment Authority Act (H.R. 10082) Support CFPB Reform Act (H.R. 10184) Support inclusion of guidance on penny circulation and rounding in Common Cents Act (H.R. 3074, H.R. 10167; S. 1525) Support parity for credit unions and prohibition on stablecoin yield in Digital Asset Market Clarity Act (H.R. 3633) Support inclusion of additional credit union provisions in Main Street Capital Access Act (H.R. 6955) Oppose Repealing Big Brother Overreach Act (H.R. 425; S. 100) Oppose 10 Percent Credit Card Interest Rate Cap Act (H.R. 1944; S. 381; Senate Amendment 2239) Oppose Credit Card Competition Act (Senate Amendments 2229, 2230, 2345, 4305; S. 3623; H.R. 7035) Oppose commissary interchange fee study (Senate Amendment 3216) Oppose commissary coupon pilot program (Senate Amendments 5942, 6034) Oppose End the Feds Big Bank Bailout Act (S. 2113; Senate Amendment 3761) Oppose Credit Card Fairness Act (S. 3660) Oppose Strengthening Oversight for the Financial Sector Act (H.R. 10230) Oppose S.J.Res. 130, on CFPB overdraft circular Oppose S.J.Res. 132, on CFPB examinations for risks to servicemembers Oppose S.J.Res. 141, on deceptive collection of medical debt","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":154321,"prefix":null,"prefix_display":null,"first_name":"KATHLEEN","nickname":null,"middle_name":null,"last_name":"COULOMBE","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":148612,"prefix":"mr","prefix_display":"MR.","first_name":"GREGORY","nickname":null,"middle_name":null,"last_name":"MESACK","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":148607,"prefix":"mr","prefix_display":"MR.","first_name":"BRADFORD","nickname":null,"middle_name":null,"last_name":"THALER","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":29115,"prefix":null,"prefix_display":null,"first_name":"PHIL","nickname":null,"middle_name":null,"last_name":"DRAGER","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":147663,"prefix":null,"prefix_display":null,"first_name":"STEPHANIE","nickname":null,"middle_name":null,"last_name":"BELK","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":147664,"prefix":null,"prefix_display":null,"first_name":"GORDON","nickname":null,"middle_name":null,"last_name":"HOLZBERG","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":152333,"prefix":null,"prefix_display":null,"first_name":"MADISON","nickname":null,"middle_name":null,"last_name":"HUBBARD","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":146201,"prefix":null,"prefix_display":null,"first_name":"CLARK","nickname":null,"middle_name":null,"last_name":"DERRINGTON","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":146203,"prefix":null,"prefix_display":null,"first_name":"JAMES","nickname":null,"middle_name":null,"last_name":"AKIN","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":47583,"prefix":null,"prefix_display":null,"first_name":"LUKE","nickname":null,"middle_name":null,"last_name":"MARTONE","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":146204,"prefix":null,"prefix_display":null,"first_name":"ANDREW","nickname":null,"middle_name":null,"last_name":"MORRIS","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":150377,"prefix":null,"prefix_display":null,"first_name":"TYLER","nickname":null,"middle_name":null,"last_name":"MARON","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":153336,"prefix":null,"prefix_display":null,"first_name":"JEREMY","nickname":null,"middle_name":null,"last_name":"GREENBERG","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":153337,"prefix":null,"prefix_display":null,"first_name":"KRISTIN","nickname":null,"middle_name":null,"last_name":"RHEINS","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":255,"name":"Consumer Financial Protection Bureau (CFPB)"},{"id":25,"name":"Defense, Dept of (DOD)"},{"id":11,"name":"Executive Office of the President (EOP)"},{"id":53,"name":"Federal Communications Commission (FCC)"},{"id":57,"name":"Federal Housing Finance Agency (FHFA)"},{"id":62,"name":"Federal Reserve System"},{"id":235,"name":"Financial Crimes Enforcement Network (FinCEN)"},{"id":5,"name":"Government Accountability Office (GAO)"},{"id":201,"name":"Homeland Security, Dept of (DHS)"},{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":35,"name":"Housing & Urban Development, Dept of (HUD)"},{"id":37,"name":"Justice, Dept of (DOJ)"},{"id":71,"name":"Natl Credit Union Administration (NCUA)"},{"id":198,"name":"Natl Economic Council (NEC)"},{"id":18,"name":"Office of Management & Budget (OMB)"},{"id":1,"name":"SENATE"},{"id":90,"name":"Small Business Administration (SBA)"},{"id":41,"name":"Treasury, Dept of"}]},{"general_issue_code":"BUD","general_issue_code_display":"Budget/Appropriations","description":"Support responsible reductions to NCUA budget Support NCUA budget transparency Support Community Development Financial Institutions Fund funding Support Community Development Financial Institutions Fund transparency Support Community Development Revolving Loan Fund funding Support FinCEN funding Support funding for Small Business Administration loan programs","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":154321,"prefix":null,"prefix_display":null,"first_name":"KATHLEEN","nickname":null,"middle_name":null,"last_name":"COULOMBE","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":148612,"prefix":"mr","prefix_display":"MR.","first_name":"GREGORY","nickname":null,"middle_name":null,"last_name":"MESACK","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":148607,"prefix":"mr","prefix_display":"MR.","first_name":"BRADFORD","nickname":null,"middle_name":null,"last_name":"THALER","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":29115,"prefix":null,"prefix_display":null,"first_name":"PHIL","nickname":null,"middle_name":null,"last_name":"DRAGER","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":147663,"prefix":null,"prefix_display":null,"first_name":"STEPHANIE","nickname":null,"middle_name":null,"last_name":"BELK","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":147664,"prefix":null,"prefix_display":null,"first_name":"GORDON","nickname":null,"middle_name":null,"last_name":"HOLZBERG","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":152333,"prefix":null,"prefix_display":null,"first_name":"MADISON","nickname":null,"middle_name":null,"last_name":"HUBBARD","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":146203,"prefix":null,"prefix_display":null,"first_name":"JAMES","nickname":null,"middle_name":null,"last_name":"AKIN","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":47583,"prefix":null,"prefix_display":null,"first_name":"LUKE","nickname":null,"middle_name":null,"last_name":"MARTONE","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":146204,"prefix":null,"prefix_display":null,"first_name":"ANDREW","nickname":null,"middle_name":null,"last_name":"MORRIS","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":150377,"prefix":null,"prefix_display":null,"first_name":"TYLER","nickname":null,"middle_name":null,"last_name":"MARON","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":153336,"prefix":null,"prefix_display":null,"first_name":"JEREMY","nickname":null,"middle_name":null,"last_name":"GREENBERG","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":153337,"prefix":null,"prefix_display":null,"first_name":"KRISTIN","nickname":null,"middle_name":null,"last_name":"RHEINS","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":71,"name":"Natl Credit Union Administration (NCUA)"},{"id":1,"name":"SENATE"}]},{"general_issue_code":"SMB","general_issue_code_display":"Small Business","description":"Support streamlining of SBA process to facilitate credit union participation in government-guaranteed lending programs Support enhanced SBA outreach and education efforts for government-guaranteed lending programs Support increase in SBA small business size standards Oppose SBA direct lending Oppose participation in SBA government-guaranteed lending programs by underregulated fintechs Oppose rescission of small business lending company moratorium Oppose creation of mission-based small business lending company designation Oppose SBA affiliation and lending criteria revisions rule","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":148612,"prefix":"mr","prefix_display":"MR.","first_name":"GREGORY","nickname":null,"middle_name":null,"last_name":"MESACK","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":148607,"prefix":"mr","prefix_display":"MR.","first_name":"BRADFORD","nickname":null,"middle_name":null,"last_name":"THALER","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":29115,"prefix":null,"prefix_display":null,"first_name":"PHIL","nickname":null,"middle_name":null,"last_name":"DRAGER","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":147663,"prefix":null,"prefix_display":null,"first_name":"STEPHANIE","nickname":null,"middle_name":null,"last_name":"BELK","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":147664,"prefix":null,"prefix_display":null,"first_name":"GORDON","nickname":null,"middle_name":null,"last_name":"HOLZBERG","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":152333,"prefix":null,"prefix_display":null,"first_name":"MADISON","nickname":null,"middle_name":null,"last_name":"HUBBARD","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":146203,"prefix":null,"prefix_display":null,"first_name":"JAMES","nickname":null,"middle_name":null,"last_name":"AKIN","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":1,"name":"SENATE"},{"id":90,"name":"Small Business Administration (SBA)"}]}],"conviction_disclosures":[],"foreign_entities":[],"affiliated_organizations":[]},{"url":"https://lda.gov/api/v1/filings/7e725fce-f119-4b7b-b8db-fe34e0eab82e/","filing_uuid":"7e725fce-f119-4b7b-b8db-fe34e0eab82e","filing_type":"Q3","filing_type_display":"3rd Quarter - Report","filing_year":2026,"filing_period":"third_quarter","filing_period_display":"3rd Quarter (July 1 - Sep 30)","filing_document_url":"https://lda.gov/filings/public/filing/7e725fce-f119-4b7b-b8db-fe34e0eab82e/print/","filing_document_content_type":"text/html","income":null,"expenses":"540000.00","expenses_method":"A","expenses_method_display":"A","posted_by_name":"Jon Boughtin","dt_posted":"2026-10-20T09:05:48-04:00","termination_date":null,"registrant_country":"United States of America","registrant_ppb_country":"United States of America","registrant_address_1":"655 15th Street NW","registrant_address_2":"Suite 951","registrant_different_address":true,"registrant_city":"Washington","registrant_state":"DC","registrant_zip":"20005","registrant":{"id":62131,"url":"https://lda.gov/api/v1/registrants/62131/","house_registrant_id":35449,"name":"TRANS UNION LLC","description":"consumer credit reporting and analytical services","address_1":"1201 Pennsylvania AVE NW","address_2":"Suite 840","address_3":null,"address_4":null,"city":"Washington","state":"DC","state_display":"District of Columbia","zip":"20004","country":"US","country_display":"United States of America","ppb_country":"US","ppb_country_display":"United States of America","contact_name":"ALLISON SHUSTER","contact_telephone":"+1 202-718-4137","dt_updated":"2026-07-06T19:19:08.203823-04:00"},"client":{"id":161956,"url":"https://lda.gov/api/v1/clients/161956/","client_id":12,"name":"TRANS UNION LLC","general_description":null,"client_government_entity":false,"client_self_select":true,"state":"DC","state_display":"District of Columbia","country":"US","country_display":"United States of America","ppb_state":"DC","ppb_state_display":"District of Columbia","ppb_country":"US","ppb_country_display":"United States of America","effective_date":"2014-03-26"},"lobbying_activities":[{"general_issue_code":"CSP","general_issue_code_display":"Consumer Issues/Safety/Products","description":"Issues pertaining to consumer data privacy and a potential federal framework.","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":152628,"prefix":null,"prefix_display":null,"first_name":"JON","nickname":null,"middle_name":null,"last_name":"BOUGHTIN","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":152627,"prefix":null,"prefix_display":null,"first_name":"ALLISON","nickname":null,"middle_name":"SHUSTER","last_name":"OLDFIELD","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":1,"name":"SENATE"}]},{"general_issue_code":"HOU","general_issue_code_display":"Housing","description":"Issues relating to Federal Housing Finance Agency Governance of the use of Credit Scores and Reports for GSE Loans. Issues related to GSE reform.","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":152628,"prefix":null,"prefix_display":null,"first_name":"JON","nickname":null,"middle_name":null,"last_name":"BOUGHTIN","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":152627,"prefix":null,"prefix_display":null,"first_name":"ALLISON","nickname":null,"middle_name":"SHUSTER","last_name":"OLDFIELD","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":57,"name":"Federal Housing Finance Agency (FHFA)"},{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":35,"name":"Housing & Urban Development, Dept of (HUD)"},{"id":198,"name":"Natl Economic Council (NEC)"},{"id":1,"name":"SENATE"},{"id":41,"name":"Treasury, Dept of"},{"id":12,"name":"White House Office"}]},{"general_issue_code":"BAN","general_issue_code_display":"Banking","description":"S. 619 - Credit Freeze for Kids Act: Provisions pertaining to credit freezing for children. H.R. 7757 - Kids Internet and Digital Safety (KIDS) Act: Provisions pertaining to additional protections for the online privacy of children and teens. S. 1465, H.R. 5402 - Credit Access and Inclusion Act: Provisions pertaining to consumer credit, alternative data and financial inclusion. H.R. 306 - Ending Scam Credit Repair Act (ESCRA Act): Provisions pertaining to credit repair companies. S. 2074 - Servicemembers' Credit Monitoring Enhancement Act: Issues pertaining to servicemembers' credit monitoring. H.R. 5775 - FCRA Liability Harmonization Act: Provisions pertaining to liability statutes in the Fair Credit Reporting Act. H.R. 10184 - Consumer Financial Protection Accountability and Reform Act: Provisions pertaining to structural reform of the Consumer Financial Protection Bureau. H.R. 7588 - Eliminating fraud in the CFPB's Complaint Database Act: Provisions pertaining to Consumer Financial Protection Bureau's complaint portal. H.R. 7270: Stop Identity Fraud and Identity Theft Act of 2026: Provisions pertaining to digital identity and identity fraud. H.R. 8413 - Securing and Establishing Consumer Uniform Rights and Enforcement (SECURE) Data Act; H.R. 8398 - Guidelines for Use, Access, and Responsible Disclosure of Financial Data (GUARD) Act: Provisions pertaining to consumer privacy and financial privacy. Issues related to the cost of credit reports and scores; inclusion of alternative credit scores for GSE mortgages. Issues related to the Consumer Financial Protection Bureau's complaint portal.","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":152628,"prefix":null,"prefix_display":null,"first_name":"JON","nickname":null,"middle_name":null,"last_name":"BOUGHTIN","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":152627,"prefix":null,"prefix_display":null,"first_name":"ALLISON","nickname":null,"middle_name":"SHUSTER","last_name":"OLDFIELD","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":57,"name":"Federal Housing Finance Agency (FHFA)"},{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":35,"name":"Housing & Urban Development, Dept of (HUD)"},{"id":198,"name":"Natl Economic Council (NEC)"},{"id":1,"name":"SENATE"},{"id":41,"name":"Treasury, Dept of"},{"id":12,"name":"White House Office"}]}],"conviction_disclosures":[],"foreign_entities":[],"affiliated_organizations":[]},{"url":"https://lda.gov/api/v1/filings/4771eb6d-bbfe-4513-8455-97bee6b3e065/","filing_uuid":"4771eb6d-bbfe-4513-8455-97bee6b3e065","filing_type":"Q3","filing_type_display":"3rd Quarter - Report","filing_year":2026,"filing_period":"third_quarter","filing_period_display":"3rd Quarter (July 1 - Sep 30)","filing_document_url":"https://lda.gov/filings/public/filing/4771eb6d-bbfe-4513-8455-97bee6b3e065/print/","filing_document_content_type":"text/html","income":null,"expenses":"70000.00","expenses_method":"B","expenses_method_display":"B","posted_by_name":"Michael D. Calhoun","dt_posted":"2026-10-20T20:24:05-04:00","termination_date":null,"registrant_country":"United States of America","registrant_ppb_country":null,"registrant_address_1":"910 17TH STREET, NW, Suite 800","registrant_address_2":null,"registrant_different_address":false,"registrant_city":"WASHINGTON","registrant_state":"DC","registrant_zip":"20006","registrant":{"id":283630,"url":"https://lda.gov/api/v1/registrants/283630/","house_registrant_id":36835,"name":"CENTER FOR RESPONSIBLE LENDING, A SUPPORTING CORP OF CTR FOR COMMUNITY SELF-HELP","description":null,"address_1":"910 17TH STREET, NW, #500","address_2":null,"address_3":null,"address_4":null,"city":"WASHINGTON","state":"DC","state_display":"District of Columbia","zip":"20006","country":"US","country_display":"United States of America","ppb_country":"US","ppb_country_display":"United States of America","contact_name":"MICHAEL CALHOUN","contact_telephone":"+1 202-349-1862","dt_updated":"2026-07-29T13:41:27.530137-04:00"},"client":{"id":174857,"url":"https://lda.gov/api/v1/clients/174857/","client_id":12,"name":"CENTER FOR RESPONSIBLE LENDING A SUPPORTING CORP OF CTR FOR COMMUNITY SELF-HELP","general_description":null,"client_government_entity":false,"client_self_select":true,"state":"DC","state_display":"District of Columbia","country":"US","country_display":"United States of America","ppb_state":"DC","ppb_state_display":"District of Columbia","ppb_country":"US","ppb_country_display":"United States of America","effective_date":"2003-12-19"},"lobbying_activities":[{"general_issue_code":"BAN","general_issue_code_display":"Banking","description":"H.R. 7866 - American Lending Fairness Act of 2026, concerning state authority to apply interest-rate limits to loans by out-of-state state-chartered banks. H.R. 10184 - Consumer Financial Protection Accountability and Reform Act of 2026, opposing limits on Consumer Financial Protection Bureau funding, supervision, enforcement, restitution, and state enforcement. Congressional oversight of Consumer Financial Protection Bureau operations, structure, funding, authorities, supervision, enforcement, restitution, and leadership. Bank acquisition applications of high-cost consumer lenders (OppFi, Enova), including the use of bank charters to avoid state interest-rate limits. Community Reinvestment Act proposed rule issued by the OCC and FDIC, concerning bank obligations to low- and moderate-income communities and anti-redlining protections. FDIC proposed rule on state bank parity and Riegle-Neal preemption, concerning state consumer lending protections and H.R. 7866. H.R. 9330 - opposing the Earned Wage Access Consumer Protection Act, concerning the preemption of state payday lending laws, the Military Lending Act, and the Equal Credit Opportunity Act. H.R. 6955 - financial services deregulation legislation, concerning rollbacks of consumer protection and bank regulatory authority, including the Consumer Financial Protection Bureau and Community Reinvestment Act. H.R. 941 - opposing the Small Lenders Exempt from New Data and Excessive Reporting (LENDER) Act, concerning small business lending data collection under Section 1071 of the Dodd-Frank Act. S. 3889 - American Lending Fairness Act and S. 3793 - Predatory Lending Elimination Act, concerning state interest-rate limits and a 36% cap on consumer loans. H.R. 8395 - PACE Act, concerning fintech company access to Federal Reserve payment systems. H.R. 6552 - Bank-Fintech Partnership Enhancement Act, concerning partnerships between banks and fintech companies. S. 3721 - Empowering States' Rights to Protect Consumers Act, concerning state authority over consumer financial services. S. 3561 - Buy Now, Pay Later Protection Act, concerning Truth in Lending Act protections for buy now, pay later products. Digital asset, cryptocurrency, and stablecoin legislation and regulation, including H.R. 3633, the Digital Asset Market Clarity Act (CLARITY Act). Legislation and appropriations concerning funding for the Consumer Financial Protection Bureau. Nomination of the Director of the Consumer Financial Protection Bureau.","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":137903,"prefix":"mr","prefix_display":"MR.","first_name":"DAVID","nickname":null,"middle_name":null,"last_name":"FERREIRA","suffix":null,"suffix_display":null},"covered_position":"Special Assistant, U.S. Department of Energy, Schedule C appointee 1998-2000","new":false}],"government_entities":[{"id":255,"name":"Consumer Financial Protection Bureau (CFPB)"},{"id":54,"name":"Federal Deposit Insurance Corporation (FDIC)"},{"id":62,"name":"Federal Reserve System"},{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":183,"name":"Office of the Comptroller of the Currency (OCC)"},{"id":88,"name":"Securities & Exchange Commission (SEC)"},{"id":1,"name":"SENATE"},{"id":41,"name":"Treasury, Dept of"}]},{"general_issue_code":"HOU","general_issue_code_display":"Housing","description":"Draft legislation concerning discharge of FHA partial claims after non-judicial foreclosure sales and a related GAO study of barriers facing FHA-financed homebuyers. Federal Home Loan Bank System reform and oversight, including H.R. 10325 and contributions to the Affordable Housing Program. H.R. 6644 / S. 7 - 21st Century ROAD to Housing Act, final passage, enactment, and implementation. Real estate listing practices, including undisclosed ('pocket') listings, and their effect on access to housing.","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":137903,"prefix":"mr","prefix_display":"MR.","first_name":"DAVID","nickname":null,"middle_name":null,"last_name":"FERREIRA","suffix":null,"suffix_display":null},"covered_position":"Special Assistant, U.S. Department of Energy, Schedule C appointee 1998-2000","new":false}],"government_entities":[{"id":173,"name":"Federal Highway Administration (FHA)"},{"id":57,"name":"Federal Housing Finance Agency (FHFA)"},{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":35,"name":"Housing & Urban Development, Dept of (HUD)"},{"id":1,"name":"SENATE"}]},{"general_issue_code":"VET","general_issue_code_display":"Veterans","description":"Military Lending Act protections and its 36% Military Annual Percentage Rate cap, including proposed exemptions for earned wage access products (H.R. 9330). Consumer Financial Protection Bureau supervision for compliance with the Military Lending Act and Servicemembers Civil Relief Act, including staffing changes and removal of servicemember information from the agency's website.","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":137903,"prefix":"mr","prefix_display":"MR.","first_name":"DAVID","nickname":null,"middle_name":null,"last_name":"FERREIRA","suffix":null,"suffix_display":null},"covered_position":"Special Assistant, U.S. Department of Energy, Schedule C appointee 1998-2000","new":false}],"government_entities":[{"id":25,"name":"Defense, Dept of (DOD)"},{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":1,"name":"SENATE"}]},{"general_issue_code":"CIV","general_issue_code_display":"Civil Rights/Civil Liberties","description":"HUD proposed rule to remove disparate-impact standards from its Title VI regulations, concerning protections against discrimination in HUD-assisted programs. Preservation of the Community Reinvestment Act and other anti-redlining protections, including H.R. 6955 and the OCC and FDIC proposed rule. Fair lending and the disparate impact of high-cost and predatory lending on communities of color, including opposition to high-cost lender bank applications (Enova, OppFi). Application of the Equal Credit Opportunity Act to emerging consumer financial products, including proposed exemptions for earned wage access products (H.R. 9330). FY2027 appropriations riders concerning diversity, equity, inclusion, and accessibility.","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":137903,"prefix":"mr","prefix_display":"MR.","first_name":"DAVID","nickname":null,"middle_name":null,"last_name":"FERREIRA","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":255,"name":"Consumer Financial Protection Bureau (CFPB)"},{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":35,"name":"Housing & Urban Development, Dept of (HUD)"},{"id":1,"name":"SENATE"}]},{"general_issue_code":"CSP","general_issue_code_display":"Consumer Issues/Safety/Products","description":"H.R. 9330 - Earned Wage Access Consumer Protection Act, opposing exemptions from state usury limits, the Military Lending Act, and the Equal Credit Opportunity Act. H.R. 10184 - Consumer Financial Protection Accountability and Reform Act of 2026, opposing limits on Consumer Financial Protection Bureau authority and consumer restitution. Federal Trade Commission proposed policy on personalized pricing, concerning disclosure, discrimination, and Fair Credit Reporting Act implications. Draft medical debt legislation concerning a patient's right to repurchase debt at the discount offered to debt buyers. Congressional oversight of artificial intelligence in financial services, including adverse action notices and explainability under the Equal Credit Opportunity Act and Fair Credit Reporting Act. H.R. 3633 - Digital Asset Market Clarity Act (CLARITY Act), opposing artificial intelligence regulatory sandbox provisions that could exempt firms from consumer protection and civil rights laws. H.R. 8141 - Fair Credit Reporting Reseller Accuracy Act and H.R. 5775 - FCRA Liability Harmonization Act, concerning amendments to the Fair Credit Reporting Act (FCRA). H.R. 5402 - Credit Access and Inclusion Act of 2025, concerning the inclusion of rent and utility payment data in consumer credit reports. H.R. 7588 - Complaint Database Act, concerning the Consumer Financial Protection Bureau consumer complaint database. H.R. 4801 - Unleashing AI Innovation in Financial Services Act, and related legislation and oversight concerning artificial intelligence in consumer financial services. Algorithmic and artificial-intelligence-driven pricing and fees in rental housing, including the use of shared landlord data to set rents and fees. Consumer financial fees, including Consumer Financial Protection Bureau rules on credit card late fees and overdraft fees and supervision of payment applications. High-cost and predatory consumer lending, including the Enova and OppFi bank applications.","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":137903,"prefix":"mr","prefix_display":"MR.","first_name":"DAVID","nickname":null,"middle_name":null,"last_name":"FERREIRA","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":255,"name":"Consumer Financial Protection Bureau (CFPB)"},{"id":64,"name":"Federal Trade Commission (FTC)"},{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":1,"name":"SENATE"}]},{"general_issue_code":"SMB","general_issue_code_display":"Small Business","description":"H.R. 941 - Small Lenders Exempt from New Data and Excessive Reporting (LENDER) Act, concerning small business lending data collection under Section 1071 of the Dodd-Frank Act.","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":137903,"prefix":"mr","prefix_display":"MR.","first_name":"DAVID","nickname":null,"middle_name":null,"last_name":"FERREIRA","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":255,"name":"Consumer Financial Protection Bureau (CFPB)"},{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":1,"name":"SENATE"},{"id":90,"name":"Small Business Administration (SBA)"}]}],"conviction_disclosures":[],"foreign_entities":[],"affiliated_organizations":[]}]}