| Submitted By |
| 01. Southeast First National Bank, William B. "Barry" Hurley |
| 02. American Bankers Association, Bank Policy Institute, and 3 other bank trade associations |
| 03. Financial Services Forum, Kevin Fromer |
| 04. American Fintech Council, Garry Reeder |
| 05. Premier Bank, Matthew R. Johnson |
| 06. Bank of Bird-In-Hand, Audrey Kirkhoff |
| 07. Iowa Bankers Association, Robert L. Hartwig |
| 08. J. Robert Kelly, Rogers, AR |
| 09. SecurityScorecard, Inc., Charlie Moskowitz |
| 10. Notarize, Renee Hunter, Nicole Booth, Gary Weingarden |
| 11. FDATA North America, Steven Boms |
| 12. Ontala Performance Solutions Ltd., Linda Tuck Chapman |
| 13. Securities Industry and Financial Markets Association, Melissa MacGregor |
| 14. TruSight Solutions, Jonathan Pressman |
| 15. Connecticut Department of Banking, Jorge L. Perez |
| 16. Bank OZK, Scott A. Trapani |
| 17. ACI Worldwide Inc., Mohammed Mortajine, Brad Mullman |
| 18. Kasasa, Ltd., Patrick J. Laughlin |
| 19. Risk Management Association, Edward J. DeMarco, Jr. |
| 20. Marlette Funding, LLC, Frank R. Borchert, III |
| 21. Consumer Bankers Association, Brian Fritzsche |
| 22. BancorpSouth Bank, Tricia Bellamy |
| 23. Independent Bankers Association of Texas, Christopher L. Williston |
| 24. Financial Services Forum, Kevin Fromer |
| 25. IHS Markit, Richard Blore |
| 26. Student Borrower Protection Center, Ben Kaufman |
| 27. Independent Community Bankers of America, Joel Williquette, Michael Emancipator |
| 28. Linear Financial Technologies, Sam Graziano |
| 29. The Clearing House, Robert C. Hunter |
| 30. Community Bankers Association of Illinois, David G. Schroeder |
| 31. Cross River Bank, Aaron B. Iovine |
| 32. Dr. Bob Mark, Holger A. Carlsson |
| 33. 20 State Attorneys General and 4 State Financial Regulators |
| 34. Envestnet Yodlee, Chad A. Wiechers |
| 35. Electronic Transactions Association, Jeff Patchen |
| 36. Financial Technology Association, Penny Lee |
| 37. Upstart Network, Inc., Nathaniel Hoopes |
| 38. Capitol Federal, Natalie Haag |
| 39. National Community Reinvestment Coalition, Jesse Van Tol |
| 40. Shared Assessments |
| 41. Alliance for Innovative Regulation, Katherine Hartley |
| 42. Plaid, John Pitts, Katie Neal |
| 43. Innovative Lending Platform Association, Scott Stewart |
| 44. Wisconsin Bankers Association, Rose Oswald Poels |
| 45. American Bankers Association, Krista Shonk |
| 46. U.S. Chamber of Commerce's Center for Capital Markets Competitiveness, Will Gardner |
| 47. CRL, CLC, CFA, NFHA, Rebecca Borné, et al. |
| 48. Pew Charitable Trusts, Nick Bourke |
| 49. Better Markets, Phillip G. Basil |
| 50. John R. Eckert, Kathleen E. Oldenborg |
| 51. National Association of Industrial Bankers, Frank R. Pignanelli |
| 52. Bank Policy Institute, Gregg L. Rozansky |
| 53. CRINDATA, LLC, James H. Freis, Jr., Mark Stetler |
| 54. FinRegLab, Melissa Koide, Kelly Thompson Cochran |
| 55. CyberSecurityBase, Rocio Baeza |
| 56. Market Integrity Solutions, LLC, James H. Freis, Jr. |
| 57. Austin Capital Bank, Erik Beguin |
| 58. Robert E. Rutkowski |
| 59. Financial Data Exchange, Tom Carpenter |
| 60. Affirm, Inc., Katherine Adkins |
| 61. American Fintech Council, Yana L. Miles |
| 62. American Escrow Association, Donna Inman |
| 63. Financial Health Network, Dan Murphy, David Silberman |
| 64. Interos |
| 65. International Bancshares Corporation, Dennis E. Nixon |
| 66. Mastercard International Incorporated, Tina Woo |
| 67. Microsoft, David J. Dadoun |
| 68. NCC Group |
| 69. Real Estate Valuation Advocacy Association, Mark Schiffman |
| 70. Third Party Payment Processors Association, Marsha Jones |
| 71. Third Party Risk Association, Julie Gaiaschi |
| 72. Virginia Credit Union League, Carrie Hunt |
| 73. Wells Fargo & Company, Mary Rentoumis |
| 74. Zest AI, Theodore R. Flo, Jay Budzik |
| Staff Disclosures |
| 01. Meeting Among Staff of the Federal Deposit Insurance Corporation, Federal Reserve Board, Office of the Comptroller of the Currency, and Representatives of the Bank Policy Institute (BPI), JPMorgan Chase & Co., Truist Financial, UBS, Goldman Sachs, HSBC Bank USA, Ally Bank, PNC Bank, Mitsubishi UFJ Financial Group (MUFG), Wells Fargo Bank, East West Bank, BNP Pariabas, Santander Bank, Depository Trust & Clearing Corporation (DTCC), KeyBank, Huntington Bank, BNY Mellon, American Express, Bank of America, TD Bank, M&T Bank, Barclays, Comerica, and Covington & Burling LLP |
| 02. Meeting Among Staff of the Federal Deposit Insurance Corporation and Representatives of Plaid |
| 03. Meeting Among Staff of the Federal Deposit Insurance Corporation and Representatives of Envestnet Yodlee and Allon Advocacy, LLC |
