SYNCHRONY FINANCIAL

Financial Institutions/Investments/Securities

Implementation of Public Law 115-174 (S. 2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act: entire bill, including Social Security Administration to modernize identification verification system) Identity and Fraud issues, including synthetic identity fraud and credit washing Tax reform (Tax Cuts and Jobs Act of the 115th Congress and Americas Job Plan): issues related to net operating loss (NOL) carryback provision, corporate tax rate Issues relating to the Consumer Financial Protection Bureau, including ESIGN, implementation of Sec. 1071, late fee proposed rule, and general credit card issues Issues relating to the Financial Stability Oversight Council and the Federal Accounting Standards Boards Current Expected Credit Loss (CECL) standards Issues relating to consumer credit (including Buy Now and Pay Later and the MAPR of the Military Lending Act, and proposed credit card rate caps) including S. 2760, S. 2730, S.A. 1225 to H.R. 4366, and S.A. 1285 to H.R. 4366 Issues relating to privacy (no bill); Issues relating to data security (no bill); Issues relating to cybersecurity of the financial services industry (no bill); Issues relating to FCC interpretations of the Telephone Consumer Protection Act (TCPA) (no bill) Issues related to diversity and inclusion (no bill) Industrial Loan Company Issues (no bill) Issues related to arbitration in consumer agreements Issues related to pandemic effects on supply chain and global trade (no bill) Issues related to payment card acceptance in connection with health, wellness, and related services (no bill)

TargetedSENATE · HOUSE OF REPRESENTATIVES

Taxation/Internal Revenue Code

Tax reform (Tax Cuts and Jobs Act of the 115th Congress and Americas Job Plan): issues related to net operating loss (NOL) carryback provision impact on financial services industry. And issues related to the corporate tax rate.