CENTER FOR RESPONSIBLE LENDING, A SUPPORTING CORP OF CTR FOR COMMUNITY SELF-HELP

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.

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.

Nomination for Deputy Director of the Office of Management and Budget.

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.

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.

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.

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.