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Lobbying Relationship

Client

TRANS UNION LLC

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Lobbying firm

TRANS UNION LLC

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  • H.R.3418 / S. 1654, Credit Access and Inclusion Act , issues pertaining to consumer credit, alternative data and financial inclusion. Issues pertaining to Buy Now Pay Later financing options, medical debt, models that predict the likelihood of default, credit header data, CFPB FCRA rulemaking, potential Financial Inclusion Commission.
  • Issues pertaining to federal privacy legislation.
  • Issues related to codifying the tri-merge requirement. S. 3502, Homebuyers Privacy Protection Act, provisions relating to trigger leads for residential mortgages. H.R. 4198/ S. 1327, Protecting Consumers from Abusive Mortgage Leads Act, bans the use of mortgage triggers. H.R. 2656, Trigger Leads Abatement Act of 2023, trigger leads for credit reporting agencies. Issues pertaining to the FHFA decision to move from tri-merge, Credit Report Enhancement Directive, and the introduction of a bill requesting that the GAO performs a cost-benefit analysis of the bi-merge decision, and tenant screening.

Duration: to

General Issues: Banking, Consumer Issues/Safety/Protection, Housing, Financial Institutions/Investments/Securities, Homeland Security, Defense, Civil Rights/Civil Liberties, Budget/Appropriations, Economics/Economic Development, Computer Industry, Veterans, Health Issues, Taxation/Internal Revenue Code, Science/Technology, Disaster Planning/Emergencies, Government Issues, Intelligence and Surveillance, Transportation, Law Enforcement/Crime/Criminal Justice, Insurance

Spending: about $12,860,000 (But it's complicated. Here's why.)

Agencies lobbied since 2007: U.S. Senate, House of Representatives, Natl Economic Council (NEC), Consumer Financial Protection Bureau (CFPB), Federal Housing Finance Agency (FHFA), Treasury - Dept of, Housing & Urban Development - Dept of (HUD), Veterans Affairs - Dept of (VA), White House Office, Federal Trade Commission (FTC), Internal Revenue Service (IRS), Social Security Administration (SSA), Y Y

Bills mentioned

H.R.2359: FCRA Liability Harmonization Act

Sponsor: Barry Loudermilk (R-Ga.)

H.R.898: Credit Score Competition Act of 2017

Sponsor: Edward Royce (R-Calif.)

H.R.435: The Credit Access and Inclusion Act of 2017

Sponsor: Keith Ellison (D-Minn.)

S.744: Protecting Veterans Credit Act of 2017

Sponsor: Joe Donnelly (D-Ind.)

H.R.2683: Protecting Veterans Credit Act of 2018

Sponsor: John Delaney (D-Md.)

H.R.10: Financial CHOICE Act of 2017

Sponsor: Jeb Hensarling (R-Texas)

H.R.4211: Credit Score Competition Act of 2015

Sponsor: Edward Royce (R-Calif.)

S.2355: Credit Access and Inclusion Act of 2015

Sponsor: Mark Steven Kirk (R-Ill.)

H.R.2592: To amend the Communications Act of 1934 to require the Federal...

Sponsor: Adam Kinzinger (R-Ill.)

H.R.347: Facilitating Access to Credit Act of 2015

Sponsor: Edward Royce (R-Calif.)

H.R.2205: Data Security Act of 2015

Sponsor: Randy Neugebauer (R-Texas)

H.R.5446: Facilitating Access to Credit Act of 2014

Sponsor: Edward Royce (R-Calif.)

H.R.2211: Accuracy in Reporting Medical Debt Act of 2013

Sponsor: Gary G. Miller (R-Calif.)

S.160: Medical Debt Responsibility Act of 2013

Sponsor: Jeff Merkley (D-Ore.)

H.R.1767: Medical Debt Responsibility Act of 2013

Sponsor: Maxine Waters (D-Calif.)

H.R.4811: Bureau Guidance Transparency Act

Sponsor: Marlin Stutzman (R-Ind.)

S.1193: Data Security and Breach Notification Act of 2013

Sponsor: Patrick J. Toomey (R-Pa.)

S.2025: Data Broker Accountability and Transparency Act

Sponsor: John D. Rockefeller IV (D-W.Va.)

H.R.2538: Credit Access and Inclusion Act

Sponsor: Michael G. Fitzpatrick (R-Pa.)

S.1613: Credit Access and Inclusion Act

Sponsor: Mark Steven Kirk (R-Ill.)

H.R.2561: FAIR Student Credit Act of 2013

Sponsor: Gary Peters (D-Mich.)

H.R.2229: Safeguarding Social Security Numbers Act of 2013

Sponsor: Dennis Ross (R-Fla.)

S.676: Identity Theft and Tax Fraud Prevention Act of 2013

Sponsor: Bill Nelson (D-Fla.)

H.R.2720: Alexis Agin Identity Theft Protection Act of 2013

Sponsor: Sam Johnson (R-Texas)

S.2149: Medical Debt Responsibility Act of 2012

Sponsor: Jeff Merkley (D-Ore.)

H.R.2086: Medical Debt Responsibility Act of 2011

Sponsor: Heath Shuler (D-N.C.)

H.R.3475: Keeping IDs Safe Act of 2011

Sponsor: Sam Johnson (R-Texas)

S.1534: Identify Theft and Tax Fraud Prevention Act

Sponsor: Bill Nelson (D-Fla.)

H.R.3482: Tax Crimes and Identity Theft Prevention Act

Sponsor: Kathy Castor (D-Fla.)

S.2151: SECURE IT

Sponsor: John McCain (R-Ariz.)

S.1434: Data Security Act of 2011

Sponsor: Thomas R. Carper (D-Del.)

S.1151: Personal Data Privacy and Security Act of 2011

Sponsor: Patrick J. Leahy (D-Vt.)

H.R.4263: SECURE IT Act of 2012

Sponsor: Mary Bono Mack (R-Calif.)

H.R.6363: Credit Access and Inclusion Act

Sponsor: Jim Renacci (R-Ohio)

H.R.3871: Proprietary Information Protection Act of 2012

Sponsor: Bill Huizenga (R-Mich.)

S.2099: A bill to amend the Federal Deposit Insurance Act with respect to...

Sponsor: Tim Johnson (D-S.D.)

H.R.3215: Identify Theft and Tax Fraud Prevention Act

Sponsor: Kathy Castor (D-Fla.)

H.R.6420: Red Flag Program Clarification Act of 2010

Sponsor: John Adler (D-N.J.)

S.3987: Red Flag Program Clarification Act of 2010

Sponsor: John Thune (R-S.D.)

H.R.3421: Medical Debt Relief Act of 2010

Sponsor: Mary Jo Kilroy (D-Ohio)

H.R.3149: Equal Employment for All Act

Sponsor: Steve Cohen (D-Tenn.)

S.3742: Data Security and Breach Notification Act of 2010

Sponsor: Mark Pryor (D-Ark.)

H.R.4173: Dodd-Frank Wall Street Reform and Consumer Protection Act

Sponsor: Barney Frank (D-Mass.)

S.3217: Restoring American Financial Stability Act of 2010

Sponsor: Christopher J. Dodd (D-Conn.)

H.R.3126: Consumer Financial Protection Agency Act of 2009

Sponsor: Barney Frank (D-Mass.)

H.R.2221: Data Accountability and Trust Act

Sponsor: Bobby L. Rush (D-Ill.)

H.R.3045: Section 8 Voucher Reform Act of 2009

Sponsor: Maxine Waters (D-Calif.)

H.R.627: Credit CARD Act of 2009

Sponsor: Carolyn B. Maloney (D-N.Y.)

H.R.5633: Nondiscriminatory Use of Consumer Reports and Consumer Information Act...

Sponsor: Luis V. Gutiérrez (D-Ill.)

H.R.6062: Personal Lines of Insurance Fairness Act of 2008

Sponsor: Maxine Waters (D-Calif.)

H.R.2885: Credit Monitoring Clarification Act

Sponsor: Paul E. Kanjorski (D-Pa.)

H.R.4791: Federal Agency Data Protection Act

Sponsor: William Lacy Clay (D-Mo.)

S.1685: Credit Score Competition Act of 2017

Sponsor: Tim Scott (R-S.C.)

S.2155: Economic Growth, Regulatory Relief, and Consumer Protection Act

Sponsor: Michael D. Crapo (R-Idaho)

H.R.5078: TRID Improvement Act of 2018

Sponsor: French Hill (R-Ark.)

S.3040: Credit Access and Inclusion Act of 2018

Sponsor: Tim Scott (R-S.C.)

H.R.799: Federal Worker Credit Protection Act of 2019

Sponsor: Gregory W. Meeks (D-N.Y.)

S.1848: Dynamic Glass Act

Sponsor: Roger Wicker (R-Miss.)

H.R.3629: Clarity in Credit Score Formation Act of 2019

Sponsor: Stephen F. Lynch (D-Mass.)

H.R.3621: Comprehensive CREDIT Act of 2020

Sponsor: Ayanna Pressley (D-Mass.)

H.R.3614: Restricting Credit Checks for Employment Decisions Act

Sponsor: Al Lawson (D-Fla.)

H.R.3618: Free Credit Scores for Consumers Act of 2019

Sponsor: Joyce Beatty (D-Ohio)

H.R.3622: Restoring Unfairly Impaired Credit and Protecting Consumers Act

Sponsor: Rashida Tlaib (D-Mich.)

H.R.3642: Improving Credit Reporting for All Consumers Act

Sponsor: Alma Adams (D-N.C.)

H.R.3821: To amend the Fair Credit Reporting Act to make improvements to the...

Sponsor: Patrick T. McHenry (R-N.C.)

H.R.5332: Protecting Your Credit Score Act of 2020

Sponsor: Josh Gottheimer (D-N.J.)

H.R.5330: Consumer Protection for Medical Debt Collections Act

Sponsor: Rashida Tlaib (D-Mich.)

S.1828: Credit Access and Inclusion Act of 2019

Sponsor: Tim Scott (R-S.C.)

H.R.2013: Information Transparency & Personal Data Control Act

Sponsor: Suzan K. DelBene (D-Wash.)

S.2968: Consumer Online Privacy Rights Act

Sponsor: Maria Cantwell (D-Wash.)

H.R.4978: Online Privacy Act of 2019

Sponsor: Anna G. Eshoo (D-Calif.)

H.R.1865: Further Consolidated Appropriations Act, 2020

Sponsor: Bill Pascrell Jr. (D-N.J.)

H.R.748: CARES Act

Sponsor: Joe Courtney (D-Conn.)

S.3508: Disaster Protection for Workers’ Credit Act of 2020

Sponsor: Brian Schatz (D-Hawaii)

S.1829: GREAT Act

Sponsor: James Lankford (R-Okla.)

H.R.4231: Credit Access and Inclusion Act of 2019

Sponsor: French Hill (R-Ark.)

H.R.6800: The Heroes Act

Sponsor: Nita M. Lowey (D-N.Y.)

H.R.6321: Financial Protections and Assistance for America’s Consumers, States,...

Sponsor: Maxine Waters (D-Calif.)

H.R.6370: Disaster Protection for Workers’ Credit Act

Sponsor: Brad Sherman (D-Calif.)

H.R.6451: Fair Coronavirus Credit Reporting Act of 2020

Sponsor: Joe Neguse (D-Colo.)

H.R.925: The Heroes Act

Sponsor: Mike Thompson (D-Calif.)

H.R.6470: Medical Debt Relief Act of 2020

Sponsor: Katie Porter (D-Calif.)

S.4037: Patient Credit Protection Act of 2020

Sponsor: Kelly Loeffler (R-Ga.)

H.R.8215: Improving Digital Identity Act of 2020

Sponsor: Bill Foster (D-Ill.)

S.4133: REAL ID Modernization Act

Sponsor: Ron Johnson (R-Wis.)

S.4159: E-SIGN Modernization Act of 2020

Sponsor: John Thune (R-S.D.)

H.R.6395: William M. (Mac) Thornberry National Defense Authorization Act for...

Sponsor: Adam Smith (D-Wash.)

H.R.6396: Responsible Relief for Americans Act

Sponsor: Andy Biggs (R-Ariz.)

S.4049: National Defense Authorization Act for Fiscal Year 2021

Sponsor: James M. Inhofe (R-Okla.)

H.R.133: Consolidated Appropriations Act, 2021

Sponsor: Henry Cuellar (D-Texas)

H.R.2503: Social Determinants Accelerator Act of 2021

Sponsor: Cheri Bustos (D-Ill.)

S.1838: Building Credit Access for Veterans Act of 2021

Sponsor: Tim Scott (R-S.C.)

H.R.3268: Combatting COVID Unemployment Fraud Act of 2021

Sponsor: Kevin Brady (R-Texas)

S.2417: Credit Access and Inclusion Act of 2021

Sponsor: Tim Scott (R-S.C.)

H.R.4120: Comprehensive CREDIT Act of 2021

Sponsor: Ayanna Pressley (D-Mass.)

S.2499: SAFE DATA Act

Sponsor: Roger Wicker (R-Miss.)

H.R.4350: National Defense Authorization Act for Fiscal Year 2022

Sponsor: Adam Smith (D-Wash.)

H.R.123: Alternative Data for Additional Credit FHA Pilot Program Reauthorization...

Sponsor: Al Green (D-Texas)

H.R.4521: United States Innovation and Competition Act of 2021

Sponsor: Eddie Bernice Johnson (D-Texas)

H.R.7526: Servicemembers’ Credit Monitoring Enhancement Act

Sponsor: Elise Stefanik (R-N.Y.)

H.R.6814: Small Business Fair Debt Collection Protection Act

Sponsor: Al Lawson (D-Fla.)

H.R.8152: American Data Privacy and Protection Act

Sponsor: Frank Pallone (D-N.J.)

H.R.2543: Federal Reserve Racial and Economic Equity Act

Sponsor: Maxine Waters (D-Calif.)

H.R.8985: Credit Access and Inclusion Act of 2022

Sponsor: French Hill (R-Ark.)

H.R.5376: Inflation Reduction Act of 2022

Sponsor: John Yarmuth (D-Ky.)

H.R.7900: National Defense Authorization Act for Fiscal Year 2023

Sponsor: Adam Smith (D-Wash.)

S.4543: James M. Inhofe National Defense Authorization Act for Fiscal Year 2023

Sponsor: Jack Reed (D-R.I.)

H.R.8404: Respect for Marriage Act

Sponsor: Jerrold Nadler (D-N.Y.)

S.4556: Respect for Marriage Act

Sponsor: Dianne Feinstein (D-Calif.)

H.R.1165: Data Privacy Act of 2023

Sponsor: Patrick T. McHenry (R-N.C.)

H.R.3418: Credit Access and Inclusion Act of 2023

Sponsor: French Hill (R-Ark.)

S.1654: Credit Access and Inclusion Act of 2023

Sponsor: Tim Scott (R-S.C.)

S.1316: Servicemembers’ Credit Monitoring Enhancement Act

Sponsor: Amy Klobuchar (D-Minn.)

S.884: Improving Digital Identity Act of 2023

Sponsor: Kyrsten Sinema (ID-Ariz.)

H.R.4198: Protecting Consumers from Abusive Mortgage Leads Act

Sponsor: John Rose (R-Tenn.)

H.R.2928: Responsible Borrower Protection Act of 2023

Sponsor: Andy Biggs (R-Ariz.)

H.R.2876: To cancel certain proposed changes to loan level price adjustments by...

Sponsor: Stephanie Bice (R-Okla.)

H.R.1521: Servicemember Credit Monitoring Enhancement Act

Sponsor: Elise Stefanik (R-N.Y.)

H.R.2656: Trigger Leads Abatement Act of 2023

Sponsor: Ritchie Torres (D-N.Y.)

S.2767: SSI Savings Penalty Elimination Act

Sponsor: Sherrod Brown (D-Ohio)

S.3502: Homebuyers Privacy Protection Act

Sponsor: Jack Reed (D-R.I.)

S.1327: Consumer Credit Control Act of 2023

Sponsor: Jack Reed (D-R.I.)

Show All Mentioned Bills

Lobbyists

Lobbyists named here were listed on a filing related to this lobbying engagement. They may not be working on it now. Occasionally, a single lobbyist whose name is spelled two different ways on filings may be represented twice here.

Lobbyist Covered positions?
Robert Ryan Executive Director, Office of Privacy & Disclosure
Rachel Goldberg Committee Designee to Rep. Sean Duffy/Professional Staff for the House Financial Services Oversight and Investigations Subcommittee
Anna Rosenberg Special Assistant to the Chairman and Legislative Specialist, Office of Legislative and Intergovernmental Affairs; Staff Assistant, House Financial Services Committee Special Assistant to the Chairman and Legislative Specialist, Office of Legislative and Intergovernmental Affairs; Staff Assistant, House Financial Services Committee
Laura Salameh Office of Rep. Kay Granger, scheduler, June 2015 - August 2015.
Palmer Rafferty Office Sen. Vitter: Intern: 09/09 -10/09; Staff Asst.: 11/09-01/12, LC: 02/12-1/13, Leg. Aide: 01/13-01/15, Legislative Assistant: 02/15-12/16; Office Rep. Huizenga: Legislative Director: 03/17-09/21, Deputy Chief of Staff: 10/21-12/22
Dennis Ambach n/a
Robeert Ryan n/a
Kate Moss n/a
Karl Kaufmann n/a
Allison Shuster n/a
Madison Hubbard n/a
Rafferty Palmer n/a

Disclosures Filed

Once a lobbying engagement begins, the lobbyist or firm is required to file updates four times a year. Those updates sometimes change which lobbyists are involved or add new issues being discussed. When lobbyists stop working for a client, the firm is also supposed to file a report disclosing the end of the relationship.

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Source: Clerk of the U.S. House of Representatives and Secretary of the Senate

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