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LOBBYING REPORT |
Lobbying Disclosure Act of 1995 (Section 5) - All Filers Are Required to Complete This Page
2. Address
| Address1 | 910 17TH STREET, NW, Suite 800 |
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| City | WASHINGTON |
State | DC |
Zip Code | 20006 |
Country | USA |
3. Principal place of business (if different than line 2)
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5. Senate ID# 283630-12
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6. House ID# 368350000
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| TYPE OF REPORT | 8. Year | 2026 |
Q1 (1/1 - 3/31) | Q2 (4/1 - 6/30) | Q3 (7/1 - 9/30) | Q4 (10/1 - 12/31) |
9. Check if this filing amends a previously filed version of this report
| 10. Check if this is a Termination Report | Termination Date |
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11. No Lobbying Issue Activity |
| INCOME OR EXPENSES - YOU MUST complete either Line 12 or Line 13 | |||||||||
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| 12. Lobbying | 13. Organizations | ||||||||
| INCOME relating to lobbying activities for this reporting period was: | EXPENSE relating to lobbying activities for this reporting period were: | ||||||||
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| Provide a good faith estimate, rounded to the nearest $10,000, of all lobbying related income for the client (including all payments to the registrant by any other entity for lobbying activities on behalf of the client). | 14. REPORTING Check box to indicate expense accounting method. See instructions for description of options. | ||||||||
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Method A.
Reporting amounts using LDA definitions only
Method B. Reporting amounts under section 6033(b)(8) of the Internal Revenue Code Method C. Reporting amounts under section 162(e) of the Internal Revenue Code |
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| Signature | Digitally Signed By: Michael D. Calhoun |
Date | 10/20/2026 8:24:05 PM |
LOBBYING ACTIVITY. Select as many codes as necessary to reflect the general issue areas in which the registrant engaged in lobbying on behalf of the client during the reporting period. Using a separate page for each code, provide information as requested. Add additional page(s) as needed.
15. General issue area code BAN
16. Specific lobbying issues
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.
17. House(s) of Congress and Federal agencies Check if None
U.S. SENATE, U.S. HOUSE OF REPRESENTATIVES, Treasury - Dept of, Office of the Comptroller of the Currency (OCC), Federal Reserve System, Federal Deposit Insurance Corporation (FDIC), Consumer Financial Protection Bureau (CFPB), Securities & Exchange Commission (SEC)
18. Name of each individual who acted as a lobbyist in this issue area
| First Name | Last Name | Suffix | Covered Official Position (if applicable) | New |
David |
Ferreira |
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Special Assistant, U.S. Department of Energy, Schedule C appointee 1998-2000 |
19. Interest of each foreign entity in the specific issues listed on line 16 above Check if None
LOBBYING ACTIVITY. Select as many codes as necessary to reflect the general issue areas in which the registrant engaged in lobbying on behalf of the client during the reporting period. Using a separate page for each code, provide information as requested. Add additional page(s) as needed.
15. General issue area code HOU
16. Specific lobbying issues
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.
17. House(s) of Congress and Federal agencies Check if None
U.S. SENATE, U.S. HOUSE OF REPRESENTATIVES, Housing & Urban Development - Dept of (HUD), Federal Highway Administration (FHA), Federal Housing Finance Agency (FHFA)
18. Name of each individual who acted as a lobbyist in this issue area
| First Name | Last Name | Suffix | Covered Official Position (if applicable) | New |
David |
Ferreira |
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Special Assistant, U.S. Department of Energy, Schedule C appointee 1998-2000 |
19. Interest of each foreign entity in the specific issues listed on line 16 above Check if None
LOBBYING ACTIVITY. Select as many codes as necessary to reflect the general issue areas in which the registrant engaged in lobbying on behalf of the client during the reporting period. Using a separate page for each code, provide information as requested. Add additional page(s) as needed.
15. General issue area code VET
16. Specific lobbying issues
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.
17. House(s) of Congress and Federal agencies Check if None
U.S. SENATE, U.S. HOUSE OF REPRESENTATIVES, Defense - Dept of (DOD)
18. Name of each individual who acted as a lobbyist in this issue area
| First Name | Last Name | Suffix | Covered Official Position (if applicable) | New |
David |
Ferriera |
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Special Assistant, U.S. Department of Energy, Schedule C appointee 1998-2000 |
19. Interest of each foreign entity in the specific issues listed on line 16 above Check if None
LOBBYING ACTIVITY. Select as many codes as necessary to reflect the general issue areas in which the registrant engaged in lobbying on behalf of the client during the reporting period. Using a separate page for each code, provide information as requested. Add additional page(s) as needed.
15. General issue area code CIV
16. Specific lobbying issues
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.
17. House(s) of Congress and Federal agencies Check if None
U.S. SENATE, U.S. HOUSE OF REPRESENTATIVES, Housing & Urban Development - Dept of (HUD), Consumer Financial Protection Bureau (CFPB)
18. Name of each individual who acted as a lobbyist in this issue area
| First Name | Last Name | Suffix | Covered Official Position (if applicable) | New |
David |
Ferreira |
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19. Interest of each foreign entity in the specific issues listed on line 16 above Check if None
LOBBYING ACTIVITY. Select as many codes as necessary to reflect the general issue areas in which the registrant engaged in lobbying on behalf of the client during the reporting period. Using a separate page for each code, provide information as requested. Add additional page(s) as needed.
15. General issue area code CSP
16. Specific lobbying issues
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.
17. House(s) of Congress and Federal agencies Check if None
U.S. SENATE, U.S. HOUSE OF REPRESENTATIVES, Consumer Financial Protection Bureau (CFPB), Federal Trade Commission (FTC)
18. Name of each individual who acted as a lobbyist in this issue area
| First Name | Last Name | Suffix | Covered Official Position (if applicable) | New |
David |
Ferreira |
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19. Interest of each foreign entity in the specific issues listed on line 16 above Check if None
LOBBYING ACTIVITY. Select as many codes as necessary to reflect the general issue areas in which the registrant engaged in lobbying on behalf of the client during the reporting period. Using a separate page for each code, provide information as requested. Add additional page(s) as needed.
15. General issue area code SMB
16. Specific lobbying issues
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.
17. House(s) of Congress and Federal agencies Check if None
U.S. SENATE, U.S. HOUSE OF REPRESENTATIVES, Consumer Financial Protection Bureau (CFPB), Small Business Administration (SBA)
18. Name of each individual who acted as a lobbyist in this issue area
| First Name | Last Name | Suffix | Covered Official Position (if applicable) | New |
David |
Ferreira |
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19. Interest of each foreign entity in the specific issues listed on line 16 above Check if None
Information Update Page - Complete ONLY where registration information has changed.
20. Client new address
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21. Client new principal place of business (if different than line 20)
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22. New General description of client’s business or activities
LOBBYIST UPDATE
23. Name of each previously reported individual who is no longer expected to act as a lobbyist for the client
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ISSUE UPDATE
24. General lobbying issue that no longer pertains
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AFFILIATED ORGANIZATIONS
25. Add the following affiliated organization(s)
Internet Address:
| Name | Address |
Principal Place of Business (city and state or country) |
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26. Name of each previously reported organization that is no longer affiliated with the registrant or client
| 1 | 2 | 3 |
FOREIGN ENTITIES
27. Add the following foreign entities:
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Principal place of business (city and state or country) |
Amount of contribution for lobbying activities | Ownership percentage in client | ||||||||||
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28. Name of each previously reported foreign entity that no longer owns, or controls, or is affiliated with the registrant, client or affiliated organization
| 1 | 3 | 5 |
| 2 | 4 | 6 |
CONVICTIONS DISCLOSURE
29. Have any of the lobbyists listed on this report been convicted in a Federal or State Court of an offense involving bribery,
extortion, embezzlement, an illegal kickback, tax evasion, fraud, a conflict of interest, making a false statement, perjury, or money laundering?
| Lobbyist Name | Description of Offense(s) |