Advocacy

Fighting for transparent, inclusive, and customer centric policies and practices

Policy goals

Responsible Bank-Fintech Partnership
Promoting a unified regulatory framework for bank-fintech partnerships and federal interest rate caps to ensure fair access to credit for historically excluded communities
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Banking-as-a-Service
Advocating for clear regulatory guidelines and interagency cooperation to foster responsible innovation and protect consumers in the evolving BaaS landscape
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Earned Wage Access
Seeking tailored regulatory frameworks that distinguish EWA from loans, ensuring consumer protections and fostering financial inclusion for workers
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Buy-Now-Pay-Later
Supporting responsible Buy-Now-Pay-Later lending, while advocating for unified regulations that include clear disclosures of borrower responsibilities
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Open Banking
Promoting a consumer-protected open banking ecosystem through comprehensive regulatory frameworks that enhance competition
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Artificial Intelligence
Advocating for use case-specific regulations of AI in financial services to enable its responsible use for improving consumer benefits
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Supervisory and Regulatory Technology
Encouraging the use of regulatory technology to enhance financial product oversight and industry efficiency, fostering collaboration between regulators and industry
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Student Lending
Supporting transparent student lending practices and advocates for technology- driven solutions to improve access to credit and repayment processes
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Responsible Innovation within the Credit Reporting Ecosystem
Pushing for modernization of the credit reporting ecosystem to empower consumers and promote responsible innovation while ensuring transparency curbing fraudulent practices
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Digital Assets
Advocating for a level playing field for all responsible financial services companies to engage in a safe and sound digital assets space.
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Payments
Supporting modernization of the payments system to improve consumer experiences and lower enterprise costs while combatting illicit activities.
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Advocacy

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2.19.2026

CO: Testimony in Support of HB 26-1046

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2.19.2026

CO: Testimony in Support of HB 26-1046

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2.18.2026

WV: AFC Letter in Support of Senate Bill 702

2.18.2026

WV: AFC Letter in Support of Senate Bill 702

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2.17.2026

A Call for Action: Removing Regulatory Barriers to Healthy Secondary Markets in Consumer Credit

2.17.2026

A Call for Action: Removing Regulatory Barriers to Healthy Secondary Markets in Consumer Credit

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2.12.2026

Federal: AFC Letter in Support of the American Lending Fairness Act

2.12.2026

Federal: AFC Letter in Support of the American Lending Fairness Act

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2.11.2026

Federal: AFC Letter in Support of the Tailored Regulatory Updates for Supervisory Testing (TRUST) Act

2.11.2026

Federal: AFC Letter in Support of the Tailored Regulatory Updates for Supervisory Testing (TRUST) Act

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2.11.2026

Federal: Letter in Opposition to the Empowering States Rights to Protect Consumers Act of 2026

2.11.2026

Federal: Letter in Opposition to the Empowering States Rights to Protect Consumers Act of 2026

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2.10.2026

AZ: Joint Industry Letter in Opposition of SB 1421

2.10.2026

AZ: Joint Industry Letter in Opposition of SB 1421

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2.9.2026

Federal: AFC Letter for Support for Title VI of the Housing for the 21st Century Act (H.R. 6644) and Recommended Amendments to Modernize Deposit Frameworks

2.9.2026

Federal: AFC Letter for Support for Title VI of the Housing for the 21st Century Act (H.R. 6644) and Recommended Amendments to Modernize Deposit Frameworks

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2.6.2026

AFC Response to Request for Information and Comment on Federal Reserve Bank Payment Account Prototype

2.6.2026

AFC Response to Request for Information and Comment on Federal Reserve Bank Payment Account Prototype

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2.5.2026

MS: Joint Industry Letter in Opposition of MS HB 362

2.5.2026

MS: Joint Industry Letter in Opposition of MS HB 362

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