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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 | 7/20/2026 5:26:22 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. 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.
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
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.
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 BUD
16. Specific lobbying issues
Nomination for Deputy Director of the Office of Management and Budget.
17. House(s) of Congress and Federal agencies Check if None
Office of Management & Budget (OMB), U.S. SENATE, U.S. HOUSE OF REPRESENTATIVES
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, US 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 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.
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
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.
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. 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.
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:
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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) |