Banking

Issues related to reducing identity fraud in the financial system (no bill) Issues related to the regulation of data brokers (no bill)

Banking and Financial Institutions

Taxation,field of membership, business lending, data security, credit card interchange, junk fees

S.J.Res.18: A joint resolution disapproving the rule submitted by the Bureau of Consumer Financial Protection relating to Overdraft Lending: Very Large Financial Institutions S.J.Res.28: A joint resolution disapproving the rule submitted by the Bureau of Consumer Financial Protection relating to Defining Larger Participants of a Market for General-Use Digital Consumer Payment Applications H.J.Res.25: Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Internal Revenue Service relating to Gross Proceeds Reporting by Brokers That Regularly Provide Services Effectuating Digital Asset Sales S.J.Res.36: A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to Prohibition on Creditors and Consumer Reporting Agencies Concerning Medical Information (Regulation V) S.875: FIRM Act S.381: 10 Percent Credit Card Interest Rate Cap Act S. 394: GENIUS Act H.R. 3633: Digital Asset Market Clarity Act of 2025 Issues relating to predicition markets Issues relating to FHFA scoring

Industrial Loan Corporations and Industrial Banks Banking regulations Financial service issues

The Payment Choice Act of 2025 - Summary A bipartisan bill introduced in the Senate and House of Representatives. Its purpose is to ensure that businesses accept cash for on-site sales under $500 and cannot charge cash-paying customers a higher price than those using other payment methods. The bill allows for exceptions, such as a business providing a fee-free device to convert cash to a prepaid card. S. 2326 - Payment Choice Act of 2025 1119th Congress (2025-2026) - Introduced in Senate 07/17/2025 Sponsor: Sen. Cramer, Kevin [R-ND] Committees: Senate - Banking, Housing, Urban Affairs To ensure that United States currency is treated as legal tender to be accepted as payment for purchases of goods and services at brick-and-mortar businesses throughout the United States, and for other purposes. H.R.1138 - Payment Choice Act of 2025 119th Congress (2025-2026) - Introduced in House 02/07/2025 Sponsor: Rep. Rose, John W. [R=TN-6] Committees: House - Financial Affairs This bill requires retail businesses to accept cash as a form of payment for on-site sales of $500 or less and it prohibits them from charging cash-paying customers a higher price compared to customers not paying with cash. Businesses covered by this bill are those engaged in the business of selling or offering goods or services at retail to the public that accept in-person payments at a physical location. The bill establishes exceptions for this requirement, including by allowing a business to provide a device to provide prepaid cards on site for customers to use as payment. Among other requirements, such a card must not have a fee associated with its use and must not require a minimum payment of more than $1. The bill provides for enforcement through preventative relief, damages, and civil penalties.

The Payment Choice Act of 2025 - Summary A bipartisan bill introduced in the Senate and House of Representatives. Its purpose is to ensure that businesses accept cash for on-site sales under $500 and cannot charge cash-paying customers a higher price than those using other payment methods. The bill allows for exceptions, such as a business providing a fee-free device to convert cash to a prepaid card. S. 2326 - Payment Choice Act of 2025 1119th Congress (2025-2026) - Introduced in Senate 07/17/2025 Sponsor: Sen. Cramer, Kevin [R-ND] Committees: Senate - Banking, Housing, Urban Affairs To ensure that United States currency is treated as legal tender to be accepted as payment for purchases of goods and services at brick-and-mortar businesses throughout the United States, and for other purposes. H.R.1138 - Payment Choice Act of 2025 119th Congress (2025-2026) - Introduced in House 02/07/2025 Sponsor: Rep. Rose, John W. [R=TN-6] Committees: House - Financial Affairs This bill requires retail businesses to accept cash as a form of payment for on-site sales of $500 or less and it prohibits them from charging cash-paying customers a higher price compared to customers not paying with cash. Businesses covered by this bill are those engaged in the business of selling or offering goods or services at retail to the public that accept in-person payments at a physical location. The bill establishes exceptions for this requirement, including by allowing a business to provide a device to provide prepaid cards on site for customers to use as payment. Among other requirements, such a card must not have a fee associated with its use and must not require a minimum payment of more than $1. The bill provides for enforcement through preventative relief, damages, and civil penalties.

The Payment Choice Act of 2025 - Summary A bipartisan bill introduced in the Senate and House of Representatives. Its purpose is to ensure that businesses accept cash for on-site sales under $500 and cannot charge cash-paying customers a higher price than those using other payment methods. The bill allows for exceptions, such as a business providing a fee-free device to convert cash to a prepaid card. S. 2326 - Payment Choice Act of 2025 1119th Congress (2025-2026) - Introduced in Senate 07/17/2025 Sponsor: Sen. Cramer, Kevin [R-ND] Committees: Senate - Banking, Housing, Urban Affairs To ensure that United States currency is treated as legal tender to be accepted as payment for purchases of goods and services at brick-and-mortar businesses throughout the United States, and for other purposes. H.R.1138 - Payment Choice Act of 2025 119th Congress (2025-2026) - Introduced in House 02/07/2025 Sponsor: Rep. Rose, John W. [R=TN-6] Committees: House - Financial Affairs This bill requires retail businesses to accept cash as a form of payment for on-site sales of $500 or less and it prohibits them from charging cash-paying customers a higher price compared to customers not paying with cash. Businesses covered by this bill are those engaged in the business of selling or offering goods or services at retail to the public that accept in-person payments at a physical location. The bill establishes exceptions for this requirement, including by allowing a business to provide a device to provide prepaid cards on site for customers to use as payment. Among other requirements, such a card must not have a fee associated with its use and must not require a minimum payment of more than $1. The bill provides for enforcement through preventative relief, damages, and civil penalties.

The Payment Choice Act of 2025 - Summary A bipartisan bill introduced in the Senate and House of Representatives. Its purpose is to ensure that businesses accept cash for on-site sales under $500 and cannot charge cash-paying customers a higher price than those using other payment methods. The bill allows for exceptions, such as a business providing a fee-free device to convert cash to a prepaid card. S. 2326 - Payment Choice Act of 2025 1119th Congress (2025-2026) - Introduced in Senate 07/17/2025 Sponsor: Sen. Cramer, Kevin [R-ND] Committees: Senate - Banking, Housing, Urban Affairs To ensure that United States currency is treated as legal tender to be accepted as payment for purchases of goods and services at brick-and-mortar businesses throughout the United States, and for other purposes. H.R.1138 - Payment Choice Act of 2025 119th Congress (2025-2026) - Introduced in House 02/07/2025 Sponsor: Rep. Rose, John W. [R=TN-6] Committees: House - Financial Affairs This bill requires retail businesses to accept cash as a form of payment for on-site sales of $500 or less and it prohibits them from charging cash-paying customers a higher price compared to customers not paying with cash. Businesses covered by this bill are those engaged in the business of selling or offering goods or services at retail to the public that accept in-person payments at a physical location. The bill establishes exceptions for this requirement, including by allowing a business to provide a device to provide prepaid cards on site for customers to use as payment. Among other requirements, such a card must not have a fee associated with its use and must not require a minimum payment of more than $1. The bill provides for enforcement through preventative relief, damages, and civil penalties.

The Payment Choice Act of 2025 - Summary A bipartisan bill introduced in the Senate and House of Representatives. Its purpose is to ensure that businesses accept cash for on-site sales under $500 and cannot charge cash-paying customers a higher price than those using other payment methods. The bill allows for exceptions, such as a business providing a fee-free device to convert cash to a prepaid card. S. 2326 - Payment Choice Act of 2025 1119th Congress (2025-2026) - Introduced in Senate 07/17/2025 Sponsor: Sen. Cramer, Kevin [R-ND] Committees: Senate - Banking, Housing, Urban Affairs To ensure that United States currency is treated as legal tender to be accepted as payment for purchases of goods and services at brick-and-mortar businesses throughout the United States, and for other purposes. H.R.1138 - Payment Choice Act of 2025 119th Congress (2025-2026) - Introduced in House 02/07/2025 Sponsor: Rep. Rose, John W. [R=TN-6] Committees: House - Financial Affairs This bill requires retail businesses to accept cash as a form of payment for on-site sales of $500 or less and it prohibits them from charging cash-paying customers a higher price compared to customers not paying with cash. Businesses covered by this bill are those engaged in the business of selling or offering goods or services at retail to the public that accept in-person payments at a physical location. The bill establishes exceptions for this requirement, including by allowing a business to provide a device to provide prepaid cards on site for customers to use as payment. Among other requirements, such a card must not have a fee associated with its use and must not require a minimum payment of more than $1. The bill provides for enforcement through preventative relief, damages, and civil penalties.

The Payment Choice Act of 2025 - Summary A bipartisan bill introduced in the Senate and House of Representatives. Its purpose is to ensure that businesses accept cash for on-site sales under $500 and cannot charge cash-paying customers a higher price than those using other payment methods. The bill allows for exceptions, such as a business providing a fee-free device to convert cash to a prepaid card. S. 2326 - Payment Choice Act of 2025 1119th Congress (2025-2026) - Introduced in Senate 07/17/2025 Sponsor: Sen. Cramer, Kevin [R-ND] Committees: Senate - Banking, Housing, Urban Affairs To ensure that United States currency is treated as legal tender to be accepted as payment for purchases of goods and services at brick-and-mortar businesses throughout the United States, and for other purposes. H.R.1138 - Payment Choice Act of 2025 119th Congress (2025-2026) - Introduced in House 02/07/2025 Sponsor: Rep. Rose, John W. [R=TN-6] Committees: House - Financial Affairs This bill requires retail businesses to accept cash as a form of payment for on-site sales of $500 or less and it prohibits them from charging cash-paying customers a higher price compared to customers not paying with cash. Businesses covered by this bill are those engaged in the business of selling or offering goods or services at retail to the public that accept in-person payments at a physical location. The bill establishes exceptions for this requirement, including by allowing a business to provide a device to provide prepaid cards on site for customers to use as payment. Among other requirements, such a card must not have a fee associated with its use and must not require a minimum payment of more than $1. The bill provides for enforcement through preventative relief, damages, and civil penalties.

The Payment Choice Act of 2025 - Summary A bipartisan bill introduced in the Senate and House of Representatives. Its purpose is to ensure that businesses accept cash for on-site sales under $500 and cannot charge cash-paying customers a higher price than those using other payment methods. The bill allows for exceptions, such as a business providing a fee-free device to convert cash to a prepaid card. S. 2326 - Payment Choice Act of 2025 1119th Congress (2025-2026) - Introduced in Senate 07/17/2025 Sponsor: Sen. Cramer, Kevin [R-ND] Committees: Senate - Banking, Housing, Urban Affairs To ensure that United States currency is treated as legal tender to be accepted as payment for purchases of goods and services at brick-and-mortar businesses throughout the United States, and for other purposes. H.R.1138 - Payment Choice Act of 2025 119th Congress (2025-2026) - Introduced in House 02/07/2025 Sponsor: Rep. Rose, John W. [R=TN-6] Committees: House - Financial Affairs This bill requires retail businesses to accept cash as a form of payment for on-site sales of $500 or less and it prohibits them from charging cash-paying customers a higher price compared to customers not paying with cash. Businesses covered by this bill are those engaged in the business of selling or offering goods or services at retail to the public that accept in-person payments at a physical location. The bill establishes exceptions for this requirement, including by allowing a business to provide a device to provide prepaid cards on site for customers to use as payment. Among other requirements, such a card must not have a fee associated with its use and must not require a minimum payment of more than $1. The bill provides for enforcement through preventative relief, damages, and civil penalties.

The Payment Choice Act of 2025 is a bipartisan bill introduced in the Senate and House of Representatives. Its purpose is to ensure that businesses accept cash for on-site sales under $500 and cannot charge cash-paying customers a higher price than those using other payment methods. The bill allows for exceptions, such as a business providing a fee-free device to convert cash to a prepaid card. S. 2326 - Payment Choice Act of 2025 1119th Congress (2025-2026) - Introduced in Senate 07/17/2025 Sponsor: Sen. Cramer, Kevin [R-ND] Committees: Senate - Banking, Housing, Urban Affairs To ensure that United States currency is treated as legal tender to be accepted as payment for purchases of goods and services at brick-and-mortar businesses throughout the United States, and for other purposes. H.R.1138 - Payment Choice Act of 2025 119th Congress (2025-2026) - Introduced in House 02/07/2025 Sponsor: Rep. Rose, John W. [R=TN-6] Committees: House - Financial Affairs This bill requires retail businesses to accept cash as a form of payment for on-site sales of $500 or less and it prohibits them from charging cash-paying customers a higher price compared to customers not paying with cash. Businesses covered by this bill are those engaged in the business of selling or offering goods or services at retail to the public that accept in-person payments at a physical location. The bill establishes exceptions for this requirement, including by allowing a business to provide a device to provide prepaid cards on site for customers to use as payment. Among other requirements, such a card must not have a fee associated with its use and must not require a minimum payment of more than $1. The bill provides for enforcement through preventative relief, damages, and civil penalties.

The Payment Choice Act of 2025 is a bipartisan bill introduced in the Senate and House of Representatives. Its purpose is to ensure that businesses accept cash for on-site sales under $500 and cannot charge cash-paying customers a higher price than those using other payment methods. The bill allows for exceptions, such as a business providing a fee-free device to convert cash to a prepaid card. S. 2326 - Payment Choice Act of 2025 1119th Congress (2025-2026) - Introduced in Senate 07/17/2025 Sponsor: Sen. Cramer, Kevin [R-ND] Committees: Senate - Banking, Housing, Urban Affairs To ensure that United States currency is treated as legal tender to be accepted as payment for purchases of goods and services at brick-and-mortar businesses throughout the United States, and for other purposes. H.R.1138 - Payment Choice Act of 2025 119th Congress (2025-2026) - Introduced in House 02/07/2025 Sponsor: Rep. Rose, John W. [R=TN-6] Committees: House - Financial Affairs This bill requires retail businesses to accept cash as a form of payment for on-site sales of $500 or less and it prohibits them from charging cash-paying customers a higher price compared to customers not paying with cash. Businesses covered by this bill are those engaged in the business of selling or offering goods or services at retail to the public that accept in-person payments at a physical location. The bill establishes exceptions for this requirement, including by allowing a business to provide a device to provide prepaid cards on site for customers to use as payment. Among other requirements, such a card must not have a fee associated with its use and must not require a minimum payment of more than $1. The bill provides for enforcement through preventative relief, damages, and civil penalties.

The Payment Choice Act of 2025 - Summary A bipartisan bill introduced in the Senate and House of Representatives. Its purpose is to ensure that businesses accept cash for on-site sales under $500 and cannot charge cash-paying customers a higher price than those using other payment methods. The bill allows for exceptions, such as a business providing a fee-free device to convert cash to a prepaid card. S. 2326 - Payment Choice Act of 2025 1119th Congress (2025-2026) - Introduced in Senate 07/17/2025 Sponsor: Sen. Cramer, Kevin [R-ND] Committees: Senate - Banking, Housing, Urban Affairs To ensure that United States currency is treated as legal tender to be accepted as payment for purchases of goods and services at brick-and-mortar businesses throughout the United States, and for other purposes. H.R.1138 - Payment Choice Act of 2025 119th Congress (2025-2026) - Introduced in House 02/07/2025 Sponsor: Rep. Rose, John W. [R=TN-6] Committees: House - Financial Affairs This bill requires retail businesses to accept cash as a form of payment for on-site sales of $500 or less and it prohibits them from charging cash-paying customers a higher price compared to customers not paying with cash. Businesses covered by this bill are those engaged in the business of selling or offering goods or services at retail to the public that accept in-person payments at a physical location. The bill establishes exceptions for this requirement, including by allowing a business to provide a device to provide prepaid cards on site for customers to use as payment. Among other requirements, such a card must not have a fee associated with its use and must not require a minimum payment of more than $1. The bill provides for enforcement through preventative relief, damages, and civil penalties.

The Payment Choice Act of 2025 is a bipartisan bill introduced in the Senate and House of Representatives. Its purpose is to ensure that businesses accept cash for on-site sales under $500 and cannot charge cash-paying customers a higher price than those using other payment methods. The bill allows for exceptions, such as a business providing a fee-free device to convert cash to a prepaid card. S. 2326 - Payment Choice Act of 2025 1119th Congress (2025-2026) - Introduced in Senate 07/17/2025 Sponsor: Sen. Cramer, Kevin [R-ND] Committees: Senate - Banking, Housing, Urban Affairs To ensure that United States currency is treated as legal tender to be accepted as payment for purchases of goods and services at brick-and-mortar businesses throughout the United States, and for other purposes. H.R.1138 - Payment Choice Act of 2025 119th Congress (2025-2026) - Introduced in House 02/07/2025 Sponsor: Rep. Rose, John W. [R=TN-6] Committees: House - Financial Affairs This bill requires retail businesses to accept cash as a form of payment for on-site sales of $500 or less and it prohibits them from charging cash-paying customers a higher price compared to customers not paying with cash. Businesses covered by this bill are those engaged in the business of selling or offering goods or services at retail to the public that accept in-person payments at a physical location. The bill establishes exceptions for this requirement, including by allowing a business to provide a device to provide prepaid cards on site for customers to use as payment. Among other requirements, such a card must not have a fee associated with its use and must not require a minimum payment of more than $1. The bill provides for enforcement through preventative relief, damages, and civil penalties.

The Payment Choice Act of 2025 - Summary A bipartisan bill introduced in the Senate and House of Representatives. Its purpose is to ensure that businesses accept cash for on-site sales under $500 and cannot charge cash-paying customers a higher price than those using other payment methods. The bill allows for exceptions, such as a business providing a fee-free device to convert cash to a prepaid card. S. 2326 - Payment Choice Act of 2025 1119th Congress (2025-2026) - Introduced in Senate 07/17/2025 Sponsor: Sen. Cramer, Kevin [R-ND] Committees: Senate - Banking, Housing, Urban Affairs To ensure that United States currency is treated as legal tender to be accepted as payment for purchases of goods and services at brick-and-mortar businesses throughout the United States, and for other purposes. H.R.1138 - Payment Choice Act of 2025 119th Congress (2025-2026) - Introduced in House 02/07/2025 Sponsor: Rep. Rose, John W. [R=TN-6] Committees: House - Financial Affairs This bill requires retail businesses to accept cash as a form of payment for on-site sales of $500 or less and it prohibits them from charging cash-paying customers a higher price compared to customers not paying with cash. Businesses covered by this bill are those engaged in the business of selling or offering goods or services at retail to the public that accept in-person payments at a physical location. The bill establishes exceptions for this requirement, including by allowing a business to provide a device to provide prepaid cards on site for customers to use as payment. Among other requirements, such a card must not have a fee associated with its use and must not require a minimum payment of more than $1. The bill provides for enforcement through preventative relief, damages, and civil penalties.

"H.R. 3716, the Systemic Risk Authority Transparency Act " HR 6544 The Regulatory Efficiency, Verification, Itemization, and Enhanced Workflow (REVIEW) Act H.R. 6547, the Least Cost Exception Act H.R. 6550, the American Financial Institution Regulatory Sovereignty and Transparency (American FIRST) Act H.R. 6553, the Tailoring and Indexing Enhanced Regulations (TIER) Act H.R. 6554, the Community Bank Representation Act H.R. 6556, the Failing Bank Acquisitions Fairness Act Digital assets regulation (stablecoins; banking standards for crypto)

H.R. 478 The Promoting New Bank Formation Act H.R. 940 The FAIR Exams Act H.R. 941 The Small LENDER Act H.R. 976 The 1071 Repeal to Protect Small Business Lending Act H.R. 1606 Making the CFPB Accountable to Small Businesses Act H.R. 1652 Rectifying UDAAP Act H.R. 1799 The Financial Reporting Threshold Modernization Act H.R. 1944 10 Percent Credit Card Interest Rate Cap Act H.R. 2808 The Homebuyers Privacy Protection Act H.R. 2835 The Small Bank Holding Company Relief Act H.R. 2885 The Bank Loan Privacy Act H.R. 3234 Reciprocal Deposits H.R. 3380 TAILOR Act of 2025 H.R. 3390 Bringing the Discount Window into the 21st Century Act H.R. 3446 FDIC Board Accountability Act- Rep. Huizenga H.R. 3633 The CLARITY Act H.R. 3709 Advancing the Mentor-Protege Program for Small Financial Institutions Act H.R. 4437 SMART Act H.R. 4478 TRUST Act H.R. 4551, the Employee Paycheck and Small Business Protection Act H.R. 5262 The Bank Competition Modernization Act H.R. 5276 The Community Bank LIFT Act H.R. 5263 The Bank Competition Modernization Act H.R. 5291 The Merchant Banking Modernization Act H.R. 5317 The Community Bank Deposit Access Act of 2025 H.R. 5577, the NFIP Extension Act of 2026 (Rep. Andrew Garbarino) H.R. 6536, the Rural Depositories Revitalization Study Act (Rep. Ralph Norman) H.R. 6544, the Regulatory Efficiency, Verification, Itemization, and Enhanced Workflow (REVIEW) Act (Rep. William Timmons) H.R. 6547, the Least Cost Exception Act H.R. 6552, the Bank-Fintech Partnership Enhancement Act (Rep. Andy Barr) H.R. 6554, the Community Bank Representation Act (Rep. Monica De La Cruz) H.R. 6555, the Enhancing Bank Resolution Participation Act HR 6556, the Failing Bank Acquisitions Fairness Act H.R. 8071 Fair Exams Act S. 113 The Promoting New Bank Formation Act S. 427 The TAILOR Act S. 557 The 1071 Repeal to Protect Small Business Lending Act S. 1467 Homebuyers Privacy Protection Act S. 2296 National Defense Authorization Act S. 2352 The PROTECTED Act S. 2486 Protecting Access to Credit for Small Businesses Act S. 2663 Merchant Banking Modernization Act S. 2704 CDFI Fund Transparency Act S. 2999 Main Street Depositor Protection Act Amendment 3640 to S. 2296 National Defense Authorization Act - CDFIs Artificial Intelligence Artificial Intelligence Action Plan Bank Loan Privacy Act CFPB 1033 Rule Community Bank Access to Capital Credit Reporting Credit Union Acquisitions of Community Banks Credit Union Field of Membership Rules Cyber Action Plan Cybersecurity Information Sharing Act (CISA) Reauthorization Data Privacy De Novo Bank Formation Deposit Insurance Digital Assets Regulation EGRPRA Review Federal Reserve Master Accounts Flood Insurance Fraud and Scams Industrial Loan Company Charter Policy Issues related to the Federal Home Loan Bank Act Minority Depository Institutions Mutual Bank Capital Certificates Regulatory Relief Responsible Financial Innovation Act Stablecoin Regulation To authorize the FDIC and NCUA to establish emergency transaction account guarantee programs, and for other purposes To require the FDIC and NCUA to carry out an analysis to determine whether insurance coverage should be raised on covered transaction accounts, and for other purposes The Growing Deposit Insurance for the Future Act U.S. National Cybersecurity Strategy U.S. National Security Strategy

Richard D. Heideman and Heideman Nudelman & Kalik, PC, Washington, DC represent Solvi Cyprus, which has an existing agreement with the National Bank of Uzbekistan to provide citizens of Uzbekistan with a VISA-platform payment system. Members of Congress and of the US government are being or will be contacted with regard to supporting Solfy Cyprus' continuation of providing VISA-platform payment services to citizens of Uzbekistan, consistent with US national security and economic interests encouraging free market based regional economic development initiatives and services.

Lobbying for Congressional support to urge those responsible for Palestinian terror to resolve the claims of the United States victims who were injured and/or killed as a result of terrorism.

Secure and Fair Enforcement Banking Act - SAFE(R) - To be introduced in the 119th Congress, the bill provides protection for banks and credit unions from federal penalties when they provide services to legally operating cannabis businesses.

Community Reinvestment Act

Credit card swipe fees

Banking

Banking

Banking

While MCUL takes no position on the issue of cannabis legalization, it supports the introduction and passage of legislation that would provide a safe harbor for financial institutions to serve their members needs in states where cannabis use has become legal. MCUL stands opposed to efforts to change the existing credit card interchange system by expanding requirements under the so-called Durbin Amendment established under the Dodd-Frank wall Street Reform and Consumer Protection Act of 2010. We have been educating our delegation on the importance of the current credit card interchange system with regard to ensuring consumer data remains secure and private and are asking our delegation to oppose any legislation of this type, including the Credit Card Competition Act. We continue to educate our congressional delegation on voluntary overdraft protection services offered by credit unions and the value our members place on these services. MCUL is opposed to legislation that would severely limit a financial institution's ability to offer these voluntary, opt-in services to our members who want access. MCUL is urging Congress to fully fund the CDFI program in FY26 and call on the Administration to release FY25 that were appropriated so awardees can utilize those dollars to carry out programs and services that assist people in need. We are also calling on Congress to improves program transparency, accountability and oversight. MCUL is supporting H.R. 3445, the Bureau of Consumer Financial Protection Commission Act, that would restructure the CFBP from a one director led agency to a 5-member commission led agency.

Capital formation legislation and regulation.

Digital assets, mobile payments, fraud, data security, data storage, open banking, regulatory reform, tax reporting, payments systems, cyber-security, financial services, merchant cash advances, privacy. FinCEN, Harmonizing CIP products; Digital assets, mobile payments, fraud, payment scams, data security, data storage, open banking, regulatory reform, tax reporting, payments systems, currency production/circulation and elimination of the penny, cyber-security, financial services, merchant cash advances, privacy. - S. 2019 TRAPS Act, HR 4936 TRAPS Act - S. 2983 Extending Expired Cybersecurity Authorities - HR 5079 Widespread Information Management for the Welfare of Infrastructure and Government Act - HR 3074 Common Cents Act