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        <loc>https://fintechcouncil.org/advocacy/afc-payday-apps-rebuttal-letter</loc>
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        <loc>https://fintechcouncil.org/advocacy/afc-response-to-dfpi-second-invitation-on-proposed-rulemaking-under-the-california-consumer-financial-protection-law-regarding-registration-and-reporting-of-covered-persons</loc>
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        <loc>https://fintechcouncil.org/advocacy/american-fintech-councils-comment-letter-response-to-the-california-department-of-financial-protection-and-innovations-proposed-rulemaking-regarding-earned-wage-access-products</loc>
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        <loc>https://fintechcouncil.org/advocacy/ca-comment-letter-on-pro-01-21-proposed-regulation</loc>
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        <loc>https://fintechcouncil.org/advocacy/co-afc-letter-of-support-of-sb26-189</loc>
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        <loc>https://fintechcouncil.org/advocacy/co-joint-industry-letter-in-support-of-hb-1020</loc>
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        <loc>https://fintechcouncil.org/advocacy/co-support-of-co-hb-1020</loc>
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        <loc>https://fintechcouncil.org/advocacy/comment-letter-on-cfpb-2024-paycheck-advance-interpretive-rule-docket-no-cfpb-2024-0032</loc>
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        <loc>https://fintechcouncil.org/advocacy/comment-letter-on-the-second-draft-text-for-proposed-scope-rulemaking-under-the-debt-collection-licensing-act-pro-05-21</loc>
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        <loc>https://fintechcouncil.org/advocacy/comment-letter-responding-to-the-proposed-required-rulemaking-on-personal-financial-data-rights-implementing-section-1033</loc>
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        <loc>https://fintechcouncil.org/advocacy/comment-letter-to-the-consumer-financial-protection-bureau-in-response-to-its-notice-of-intent-to-make-preemption-determination-under-the-truth-in-lending-act</loc>
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        <loc>https://fintechcouncil.org/advocacy/comment-on-cfpbs-proposed-rule-on-section-1071-small-business-lending-data-collection</loc>
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        <loc>https://fintechcouncil.org/advocacy/comment-on-fhfas-fintech-in-housing-finance-rfi</loc>
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        <loc>https://fintechcouncil.org/advocacy/comment-on-the-interagency-joint-notice-of-proposed-rulemaking-on-the-community-reinvestment-act</loc>
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        <loc>https://fintechcouncil.org/advocacy/comment-on-the-proposed-interagency-guidance-on-third-party-relationships</loc>
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        <loc>https://fintechcouncil.org/advocacy/comment-to-the-california-department-of-financial-protection-and-innovation-regarding-proposed-changes-to-the-california-consumer-complaints-process</loc>
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        <loc>https://fintechcouncil.org/advocacy/comment-to-the-federal-trade-commission-on-its-advance-notice-of-proposed-rulemaking-on-commercial-surveillance-and-data-security-practices</loc>
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        <loc>https://fintechcouncil.org/advocacy/ct-afc-letter-to-governor-of-ct-expresseing-concerts-for-sb-1396-public-act-no-25-155</loc>
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        <loc>https://fintechcouncil.org/advocacy/ct-afc-on-earned-wage-access-products-in-connecticut</loc>
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        <loc>https://fintechcouncil.org/advocacy/ct-afc-response-to-regulatory-guidance-on-the-governance-of-artificial-intelligence</loc>
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        <loc>https://fintechcouncil.org/advocacy/ct-testimony-in-support-of-ewa</loc>
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    <url>
        <loc>https://fintechcouncil.org/advocacy/ct-testimony-to-amend-sb-1396</loc>
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        <loc>https://fintechcouncil.org/advocacy/de</loc>
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        <loc>https://fintechcouncil.org/advocacy/de-afc-letter-to-delaware-house-labor-committee-in-support-of-house-bill-105</loc>
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    <url>
        <loc>https://fintechcouncil.org/advocacy/de-afc-testimony-in-support-of-sb-16</loc>
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        <loc>https://fintechcouncil.org/advocacy/earned-wage-access-industry-urges-revision-to-dfpis-march-2023-proposal</loc>
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    <url>
        <loc>https://fintechcouncil.org/advocacy/faqs-on-bank-fintech-partnerships</loc>
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        <loc>https://fintechcouncil.org/advocacy/federal</loc>
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        <loc>https://fintechcouncil.org/advocacy/federal-advocacy-letter-on-interagency-bank-fintech-arrangements-rfi</loc>
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        <loc>https://fintechcouncil.org/advocacy/federal-advocacy-letter-to-fdic-on-regulating-innovation</loc>
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        <loc>https://fintechcouncil.org/advocacy/federal-advocacy-letter-to-federal-student-aid-office-on-technological-issues</loc>
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        <loc>https://fintechcouncil.org/advocacy/federal-afc-comment-letter-on-cfpb-data-brokers-proposed-rule</loc>
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        <loc>https://fintechcouncil.org/advocacy/federal-afc-comment-letter-on-community-bank-engagement-with-core-service-providers</loc>
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    <url>
        <loc>https://fintechcouncil.org/advocacy/federal-afc-comment-letter-on-ftc-anprm-on-prenotification-negative-option-plans</loc>
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        <loc>https://fintechcouncil.org/advocacy/federal-afc-comment-letter-on-interagency-rfi-to-address-payments-fraud</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/advocacy/federal-afc-comment-letter-on-personal-financial-data-rights-anpr</loc>
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        <loc>https://fintechcouncil.org/advocacy/federal-afc-comment-letter-on-treasury-request-for-comment-on-innovative-methods-to-detect-illicit-activity-involving-digital-assets</loc>
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        <loc>https://fintechcouncil.org/advocacy/federal-afc-comment-letter-to-cfpb-on-notice-of-proposed-rulemaking-regarding-its-prohibition-on-creditors-and-consumer-reporting-agencies-concerning-medical-information</loc>
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        <loc>https://fintechcouncil.org/advocacy/federal-afc-comment-letter-to-fdic-on-supervisory-appeals</loc>
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        <loc>https://fintechcouncil.org/advocacy/federal-afc-comment-letter-to-hud-on-bnpl-rfi</loc>
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        <loc>https://fintechcouncil.org/advocacy/federal-afc-comment-letter-to-occ-community-bank-digitalization-rfi</loc>
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    <url>
        <loc>https://fintechcouncil.org/advocacy/federal-afc-joint-comment-letter-on-supervisory-designation</loc>
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        <loc>https://fintechcouncil.org/advocacy/federal-afc-letter-concerning-remittance-tax-provision-in-budget-reconciliation-bill</loc>
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        <loc>https://fintechcouncil.org/advocacy/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</loc>
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    <url>
        <loc>https://fintechcouncil.org/advocacy/federal-afc-letter-in-support-for-the-unleashing-ai-innovation-in-financial-services-act</loc>
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    <url>
        <loc>https://fintechcouncil.org/advocacy/federal-afc-letter-in-support-of-bank-fintech-partnership-enhancement-act</loc>
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    <url>
        <loc>https://fintechcouncil.org/advocacy/federal-afc-letter-in-support-of-h-r-5775-and-7588</loc>
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    <url>
        <loc>https://fintechcouncil.org/advocacy/federal-afc-letter-in-support-of-legislation-enabling-21st-century-ai-innovation-in-financial-services</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/advocacy/federal-afc-letter-in-support-of-protecting-america-from-cyber-threats-act</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/advocacy/federal-afc-letter-in-support-of-smart-and-trust-acts</loc>
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    <url>
        <loc>https://fintechcouncil.org/advocacy/federal-afc-letter-in-support-of-the-american-lending-fairness-act</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/advocacy/federal-afc-letter-in-support-of-the-community-bank-deposit-access-act</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/advocacy/federal-afc-letter-in-support-of-the-employer-participation-in-repayment-act</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/advocacy/federal-afc-letter-in-support-of-the-ending-scam-credit-repair-act</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/advocacy/federal-afc-letter-in-support-of-the-fair-exams-act</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/advocacy/federal-afc-letter-in-support-of-the-tailored-regulatory-updates-for-supervisory-testing-trust-act</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/advocacy/federal-afc-letter-in-support-of-travis-hill-to-chair-the-fdic</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/advocacy/federal-afc-letter-of-support-for-advancing-the-mentor-protege-program-for-small-financial-instituions-act</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/advocacy/federal-afc-letter-of-support-for-inclusion-of-key-community-banking-provisions-in-21st-century-road-to-housing-act</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/advocacy/federal-afc-letter-of-support-for-the-guard-financial-data-act</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/advocacy/federal-afc-letter-of-support-for-the-main-street-capital-access</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/advocacy/federal-afc-letter-requesting-clarity-of-scope-on-stop-act</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/advocacy/federal-afc-letter-supporting-bill-briggs-for-sba-deputy-administrator</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/advocacy/federal-afc-letter-to-committee-on-banking-housing-and-urban-affairs-in-support-for-the-credit-access-and-inclusion-act</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/advocacy/federal-afc-letter-to-fdic-acting-chairman-travil-hill</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/advocacy/federal-afc-letter-to-governor-michelle-bowman</loc>
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    <url>
        <loc>https://fintechcouncil.org/advocacy/federal-afc-letter-to-house-education-and-workforce-committee-on-role-of-responsible-private-lenders-in-higher-education-financing-post</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/advocacy/federal-afc-letter-to-house-financial-services-committee-chairman-patrick-mchenry</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/advocacy/federal-afc-letter-to-house-financial-services-committee-on-current-federal-consumer-financial-data-privacy-law-and-potential-legislative-proposals</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/advocacy/federal-afc-letter-to-house-financial-services-committee-on-principles-to-make-community-banking-great-again</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/advocacy/federal-afc-letter-to-jonathan-gould-comptroller-of-the-currency-at-the-office-of-the-comptroller</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/advocacy/federal-afc-letter-to-omb-director-vought-on-cfpb-policy-priorities</loc>
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    <url>
        <loc>https://fintechcouncil.org/advocacy/federal-afc-letter-to-presidnt-donald-j-trump-to-defend-open-banking-and-protect-consumer-data-rights</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/advocacy/federal-afc-letter-to-ranking-member-waters-on-shutdown-impact-on-consumers-and-industry-response</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/advocacy/federal-afc-letter-to-regulators-urging-to-modernize-cip-rule-and-reform-outdated-compliance-requirements</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/advocacy/federal-afc-letter-to-russell-vought-on-cfpb-collection-use-and-monetization-of-consumer-data-request-for-information</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/advocacy/federal-afc-letter-urging-federal-banking-regulators-to-preserve-and-improve-strategic-plan-flexibility-in-community-reinvestment-act-regulations</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/advocacy/federal-afc-response-to-cfpb-strategic-plan</loc>
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    <url>
        <loc>https://fintechcouncil.org/advocacy/federal-afc-response-to-discb-request-for-public-comment-on-the-regulation-of-earned-wage-access-services</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/advocacy/federal-afc-response-to-occ-bank-appeal-process</loc>
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    <url>
        <loc>https://fintechcouncil.org/advocacy/federal-afc-response-to-occ-rfi-on-cra-simplified-strategic-plan</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/advocacy/federal-afc-response-to-proposed-rulemaking-to-occ-implementation-of-the-genius-act</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/advocacy/federal-afc-response-to-trump-account-pilot-program</loc>
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    <url>
        <loc>https://fintechcouncil.org/advocacy/federal-afcs-request-for-bipartisan-passage-of-the-earned-wage-access-consumer-protection-act-in-response-to-committee-markup</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/advocacy/federal-ai-letter</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/advocacy/federal-american-fintech-council-comment-letter-to-fdic-brokered-deposits-proposed-rule</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/advocacy/federal-comment-letter-on-request-for-information--customer-identification-program-rule-taxpayer-identification-number-collection-requirement</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/advocacy/federal-comment-letter-to-cfpb-truth-in-lending-regulation-z-use-of-digital-user-accounts-to-access-buy-now-pay-later-loans-interpretive-rule</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/advocacy/federal-comment-letter-to-department-of-education-on-notice-of-proposed-rulemaking-student-loan-relief--ed-2023-ope-0123</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/advocacy/federal-comment-letter-to-federal-reserve-on-fedwire-expanded-hours-of-operation</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/advocacy/federal-joint-advocacy-letter-to-cfpb-regarding-compliance-materials-for-personal-financial-data-rights</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/advocacy/federal-joint-coalition-letter-block-anti-consumer-data-access-fees</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/advocacy/federal-joint-industry-comment-letter-to-house-financial-services-committee-on-earned-wage-access</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/advocacy/federal-joint-industry-letter-cfpb-data-broker-notice-of-proposed-rulemaking</loc>
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    <url>
        <loc>https://fintechcouncil.org/advocacy/federal-joint-industry-letter-to-senate-committee-on-finance-on-remittance-tax</loc>
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    <url>
        <loc>https://fintechcouncil.org/advocacy/federal-joint-trade-comment-period-extension-request-for-ewa-interpretative-ruke</loc>
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    <url>
        <loc>https://fintechcouncil.org/advocacy/federal-joint-trade-letter-to-fdic-on-request-for-comment-deadline-extension-for-recordkeeping-for-custodial-accounts-nprm</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/advocacy/federal-joint-trade-letter-to-presidents-working-group-on-digital-asset-markets</loc>
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    <url>
        <loc>https://fintechcouncil.org/advocacy/federal-letter-in-opposition-to-the-empowering-states-rights-to-protect-consumers-act-of-2026</loc>
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    <url>
        <loc>https://fintechcouncil.org/advocacy/federal-letter-of-support-for-a-bill-to-make-improvements-to-title-v-of-the-gramm-leach-bliley-act-and-for-other-purposes</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/advocacy/federal-support-for-the-discussion-draft-of-the-financial-services-innovation-act-of-2026</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/advocacy/federal-support-letter-for-the-promoting-and-advancing-communities-of-color-through-inclusive-lending-act</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/advocacy/fl-joint-industry-letter-in-opposition-of-florida-hb-1380</loc>
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    <url>
        <loc>https://fintechcouncil.org/advocacy/fl-joint-industry-letter-opposing-florida-hb-1307</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/advocacy/follow-up-comment-letter-to-the-california-department-of-financial-protection-and-innovation-regarding-modifications-to-the-proposed-changes-to-the-california-consumer-complaints-process</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/advocacy/follow-up-letter-to-the-administration-on-the-conclusion-of-the-student-loan-repayment-moratorium</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/advocacy/follow-up-letters-the-domestic-policy-council-dpc-the-national-economic-council-nec-and-the-office-of-federal-student-aid-fsa-on-contacting-and-assisting-borrowers-for-the-conclusion-of-the-student-loan-repayment-moratorium</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/advocacy/hi-testimony-in-opposition-of-hi-hb1048</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/advocacy/ia-afc-letter-to-governor-reynolds-in-support-of-hf-2329</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/advocacy/ia-afc-support-for-hf-2329</loc>
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    <url>
        <loc>https://fintechcouncil.org/advocacy/ia-comment-letter-to-iowa-division-of-banking-on-review-and-modernization-of-iowa-consumer-finance-licensing-statutes</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/advocacy/in-joint-industry-letter-in-support-of-hb-1125</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/advocacy/in-testimony-in-support-of-hb-1125</loc>
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    <url>
        <loc>https://fintechcouncil.org/advocacy/in-testimony-in-support-of-in-hb-1125</loc>
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    <url>
        <loc>https://fintechcouncil.org/advocacy/industry-support-for-the-passage-of-earned-wage-access-legislation-in-wisconsin</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/advocacy/joint-comment-letter-cfes-afc-fincen-survey-of-the-costs-of-aml-cft-compliance</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/advocacy/joint-industry-letter-in-support-of-fcra-litigation-reform</loc>
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    <url>
        <loc>https://fintechcouncil.org/advocacy/joint-industry-letter-to-senate-on-stablecoin-rewards</loc>
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    <url>
        <loc>https://fintechcouncil.org/advocacy/joint-trade-comment-period-extension-request-for-fdic-brokered-deposits-proposed-rule</loc>
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    <url>
        <loc>https://fintechcouncil.org/advocacy/joint-trade-comment-period-extension-request-for-fdic-deposit-characteristics-request-for-information</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/advocacy/joint-trades-letter-to-the-irs-on-modernization-of-the-income-verification-express-service-ives</loc>
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    <url>
        <loc>https://fintechcouncil.org/advocacy/ks-joint-advocacy-letter-to-kansas-governor-kelly-in-support-of-hb-2560</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/advocacy/la-afc-letter-in-support-of-hb-1230</loc>
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    <url>
        <loc>https://fintechcouncil.org/advocacy/la-joint-industry-letter-in-support-of-hb-368</loc>
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    <url>
        <loc>https://fintechcouncil.org/advocacy/la-testimony-in-support-of-la-hb-368</loc>
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    <url>
        <loc>https://fintechcouncil.org/advocacy/letter-on-dcs-stop-discrimination-by-algorithm-act-of-2021-b24-0558</loc>
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        <loc>https://fintechcouncil.org/advocacy/letter-regarding-ohio-department-of-financial-institutions-recent-bank-partnership-alert</loc>
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    <url>
        <loc>https://fintechcouncil.org/advocacy/letter-to-the-administration-on-the-student-loan-moratorium</loc>
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    <url>
        <loc>https://fintechcouncil.org/advocacy/ma-afc-testimony-in-support-of-h-1119</loc>
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    <url>
        <loc>https://fintechcouncil.org/advocacy/ma-testimony-in-support-of-massachusetts-hb-4456</loc>
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    <url>
        <loc>https://fintechcouncil.org/advocacy/md-afc-letter-in-support-of-amended-hb-246</loc>
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    <url>
        <loc>https://fintechcouncil.org/advocacy/md-afc-letter-to-maryland-house-economic-matters-committee-urging-rection-of-hb-237</loc>
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    <url>
        <loc>https://fintechcouncil.org/advocacy/md-afc-letter-to-maryland-senate-finance-committee-in-oppposition-to-sb-94</loc>
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    <url>
        <loc>https://fintechcouncil.org/advocacy/md-afc-request-to-veto-hb-sb-94</loc>
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    <url>
        <loc>https://fintechcouncil.org/advocacy/md-testimony-in-opposition-of-hb-237</loc>
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    <url>
        <loc>https://fintechcouncil.org/advocacy/md-testimony-in-support-of-hb-1294</loc>
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    <url>
        <loc>https://fintechcouncil.org/advocacy/md-testimony-in-support-of-hb-1294-2</loc>
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    <url>
        <loc>https://fintechcouncil.org/advocacy/me-afc-letter-to-maine-state-house-in-support-of-l-d-1915-h-p-1276</loc>
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    <url>
        <loc>https://fintechcouncil.org/advocacy/me-afc-letter-to-superintendent-conti-urging-to-withdraw-ar-121</loc>
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    <url>
        <loc>https://fintechcouncil.org/advocacy/me-testimony-in-support-of-ld-1915</loc>
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    <url>
        <loc>https://fintechcouncil.org/advocacy/mi-afc-letter-to-michigan-house-of-representatives-in-support-of-hb-5161</loc>
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    <url>
        <loc>https://fintechcouncil.org/advocacy/mi-afc-support-letter-for-mi-hb-5544</loc>
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    <url>
        <loc>https://fintechcouncil.org/advocacy/mi-afc-testimony-in-support-of-hb-5558-and-its-related-bills</loc>
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    <url>
        <loc>https://fintechcouncil.org/advocacy/mn-afc-letter-to-commerce-and-consumer-protection-committee</loc>
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    <url>
        <loc>https://fintechcouncil.org/advocacy/mn-testimony-in-support-with-amendments-for-hf-2874</loc>
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    <url>
        <loc>https://fintechcouncil.org/advocacy/modernizing-financial-services-through-innovation-and-competition</loc>
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    <url>
        <loc>https://fintechcouncil.org/advocacy/ms-industry-opposition-letter-against-ms-hb-362</loc>
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    <url>
        <loc>https://fintechcouncil.org/advocacy/ms-industry-opposition-letter-against-ms-sb2828</loc>
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    <url>
        <loc>https://fintechcouncil.org/advocacy/nd-afc-letter-to-senate-industry-business-and-labor-committee-on-hb-1393</loc>
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    <url>
        <loc>https://fintechcouncil.org/advocacy/ne-joint-industry-letter-in-opposition-of-ne-lb-1174</loc>
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    <url>
        <loc>https://fintechcouncil.org/advocacy/ne-testimony-in-opposition-of-lb-1174</loc>
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    <url>
        <loc>https://fintechcouncil.org/advocacy/new-york-afc-extension-request-letter-for-nydfs-bnpl-rfi</loc>
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    <url>
        <loc>https://fintechcouncil.org/advocacy/nm-afc-joint-industry-letter-of-support-of-hb-59</loc>
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    <url>
        <loc>https://fintechcouncil.org/advocacy/nm-testimony-of-support-of-nw-hb-59</loc>
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        <loc>https://fintechcouncil.org/advocacy/notice-of-proposed-rulemaking-on-recordkeeping-for-custodial-accounts--rin-3064-ag07</loc>
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    <url>
        <loc>https://fintechcouncil.org/advocacy/ny-afc-comment-letter-to-nydfs-bnpl-pre-proposal-comment-period</loc>
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    <url>
        <loc>https://fintechcouncil.org/advocacy/ny-afc-comment-letter-to-nydfs-bnpl-rfi</loc>
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        <loc>https://fintechcouncil.org/advocacy/ny-afc-letter-in-support-of-assembly-bill-3307a</loc>
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        <loc>https://fintechcouncil.org/advocacy/ny-afc-letter-of-support-for-ny-financial-literacy</loc>
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    <url>
        <loc>https://fintechcouncil.org/advocacy/ny-afc-letter-to-ny-governor-kathy-hochul-in-support-of-ab-3307a</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/advocacy/ny-coalition-letter-in-support-to-cancel-a-3928a-s-5615</loc>
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    <url>
        <loc>https://fintechcouncil.org/advocacy/oh-afc-testimony-in-support-of-sb-269</loc>
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    <url>
        <loc>https://fintechcouncil.org/advocacy/oh-testimony-in-support-of-sb-117</loc>
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    <url>
        <loc>https://fintechcouncil.org/advocacy/ok-joint-industry-letter-in-support-of-hb-2086</loc>
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    <url>
        <loc>https://fintechcouncil.org/advocacy/ok-testimony-in-support-of-ok-hb-2086</loc>
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        <loc>https://fintechcouncil.org/advocacy/or-afc-joint-letter-with-afsa-naib-regarding-colorado-didmca-opt-out-legal-challenge</loc>
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        <loc>https://fintechcouncil.org/advocacy/or-afc-letter-to-governor-tina-kotek-applauding-oregon-banking-week</loc>
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    <url>
        <loc>https://fintechcouncil.org/advocacy/or-afc-request-for-veto-hb-4116</loc>
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    <url>
        <loc>https://fintechcouncil.org/advocacy/or-joint-industry-letter</loc>
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    <url>
        <loc>https://fintechcouncil.org/advocacy/or-joint-industry-letter-of-support-of-sb-481</loc>
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    <url>
        <loc>https://fintechcouncil.org/advocacy/or-testimony-in-opposition-of-hb-2561</loc>
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    <url>
        <loc>https://fintechcouncil.org/advocacy/or-testimony-in-opposition-of-hb-4116</loc>
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    <url>
        <loc>https://fintechcouncil.org/advocacy/or-testimony-in-opposition-of-hb-4116-2</loc>
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    <url>
        <loc>https://fintechcouncil.org/advocacy/or-testimony-in-support-of-or-hb-481</loc>
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        <loc>https://fintechcouncil.org/advocacy/proposed-rulemaking-defining-larger-participants-of-a-market-for-general-use-digital-consumer-payment-applications-cfpb-2023-0053</loc>
    </url>
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        <loc>https://fintechcouncil.org/advocacy/response-to-misleading-statements-and-flawed-methodology-in-center-for-responsible-lendings-report-on-earned-wage-access-and-national-consumer-law-centers-endorsement</loc>
    </url>
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        <loc>https://fintechcouncil.org/advocacy/ri-afc-testimony-in-opposition-of-hb-7850</loc>
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    <url>
        <loc>https://fintechcouncil.org/advocacy/ri-testimony-in-opposition</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/advocacy/ri-testimony-in-opposition-of-sb-2206</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/advocacy/ri-testimony-in-opposition-to-rhode-island-hb-7941</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/advocacy/ri-testimony-in-oppostion-of-senate-bill-386</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/advocacy/sc-afc-testimony-in-support-of-south-carolina-s-700</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/advocacy/sc-joint-advocacy-letter-to-the-south-carolina-legislature-committee-on-labor-commerce-and-industry-in-support-of-s-700</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/advocacy/second-follow-up-comment-letter-to-the-california-department-of-financial-protection-and-innovation-regarding-additional-modifications-to-the-proposed-changes-to-the-california-consumer-complaints-process</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/advocacy/state-joint-industry-letter-in-opposition-of-mo-hb-2412</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/advocacy/statement-for-the-record-to-the-senate-subcommittee-on-financial-institutions-and-consumer-protection</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/advocacy/support-for-the-confirmation-of-rohit-chopra-as-cfpb-director</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/advocacy/testimony-to-the-senate-committee-on-senate-committee-on-business-financial-services-gaming-trade-on-sb-6025</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/advocacy/tn-afc-letter-in-opposition-of-hb-2502</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/advocacy/tx-testimony-in-support-of-hb-2043</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/advocacy/ut-afc-letter-to-governor-of-utah-spencer-cox-urging-to-sign-hb-279</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/advocacy/ut-joint-industry-opposition-letter-of-ut-hb-141</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/advocacy/ut-testimony-in-opposition-of-ut-hb-141</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/advocacy/ut-testimony-in-support-of-hb-ut-0297</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/advocacy/va</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/advocacy/va-letter-to-governor-of-virginia-glenn-youngkin-urging-to-veto-sb-1252</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/advocacy/va-testimony-in-opposition-of-sb-432</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/advocacy/virginia-testimony-in-opposition-of-va-hb-1252</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/advocacy/vt-testimony-of-support-of-vt-hb-99</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/advocacy/wa-afc-letter-on-request-for-comment-on-amendments-to-the-predatory-loan-prevention-act</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/advocacy/wa-afc-letter-on-wa-plpa-proposed-rules</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/advocacy/wa-joing-industry-letter-of-support-of-hb-1020</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/advocacy/wa-support-house-bill-1063</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/advocacy/wa-support-of-hb-1063</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/advocacy/wa-testimony-support-of-sb-5328</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/advocacy/wisconsin-letter-to-wisconsin-department-of-financial-institutions-re-earned-wage-access-services-and-the-wisconsin-consumer-act</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/advocacy/wv-afc-letter-in-support-of-senate-bill-702</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/press-releases/afc-announces-new-leadership-initiatives-over-75-members</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/press-releases/afc-announces-support-for-new-york-legislation-to-establish-financial-literacy-fund</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/press-releases/afc-calls-for-unified-and-cohesive-ai-regulatory-framework-in-treasury-department-comment-letter</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/press-releases/afc-comments-in-response-to-joint-agency-rfi-on-bank-fintech-arrangements-involving-banking-products-and-services</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/press-releases/afc-encourages-gov-pritzker-to-sign-illinois-36-apr-cap</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/press-releases/afc-statement-on-confirmation-of-rohit-chopra-as-cfpb-director</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/press-releases/afc-statement-on-house-covid-relief-hearing</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/press-releases/afc-statement-on-president-bidens-state-of-the-union-address</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/press-releases/afc-statement-on-senate-cra-of-occs-true-lender-rule</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/press-releases/afc-statement-on-student-loan-payment-pause</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/press-releases/afc-supports-36-apr-maximum-in-new-mexico</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/press-releases/afc-welcomes-10-more-members-and-new-community-advisory-board</loc>
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        <loc>https://fintechcouncil.org/press-releases/afc-welcomes-the-119th-congress-and-new-committee-leadership-urges-swift-bipartisan-action-on-critical-legislation</loc>
    </url>
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        <loc>https://fintechcouncil.org/press-releases/afterman-software-joins-the-american-fintech-council-afc-to-enable-safe-and-responsible-technology-modernization-for-fintech-companies-and-financial-institutions</loc>
    </url>
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        <loc>https://fintechcouncil.org/press-releases/aiprise-joins-the-american-fintech-council-afc-to-advance-ai-driven-verification-fraud-protection-and-compliance</loc>
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        <loc>https://fintechcouncil.org/press-releases/american-fintech-council-adds-oliver-wyman-as-a-strategic-partner-to-support-risk-management-and-responsible-growth-in-financial-services</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/press-releases/american-fintech-council-afc-adds-community-investment-management-cim-as-newest-strategic-partner</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/press-releases/american-fintech-council-afc-adds-fti-consulting-as-newest-strategic-partner</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/press-releases/american-fintech-council-afc-adds-raido-capital-partners-as-newest-strategic-partner</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/press-releases/american-fintech-council-afc-adds-the-american-deposit-management-company-adm-as-its-newest-member</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/press-releases/american-fintech-council-afc-and-canadian-lenders-association-cla-partner-to-strengthen-u-s--canada-fintech-collaboration</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/press-releases/american-fintech-council-afc-and-financial-technology-association-fta-urge-ninth-circuit-court-of-appeals-to-appropriately-recognize-earned-wage-access-as-a-service-distinct-from-loans-in-joint-amicus-briefs</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/press-releases/american-fintech-council-afc-and-the-coalition-for-financial-ecosystem-standards-highlight-rising-aml-cft-compliance-costs-and-operational-challenges-in-response-to-fincen-survey</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/press-releases/american-fintech-council-afc-announces-2026-federal-priorities-focused-on-responsible-innovation-and-consumer-access</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/press-releases/american-fintech-council-afc-announces-first-wave-of-speakers-for-9th-annual-fintech-policy-summit-including-acting-chairman-travis-hill-of-the-fdic</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/press-releases/american-fintech-council-afc-announces-full-list-of-distinguished-speakers-for-9th-annual-fintech-policy-summit</loc>
    </url>
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        <loc>https://fintechcouncil.org/press-releases/american-fintech-council-afc-announces-major-expansion-at-transformational-moment-for-responsible-and-innovative-banks-and-credit-unions-expanding-access-to-financial-services</loc>
    </url>
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        <loc>https://fintechcouncil.org/press-releases/american-fintech-council-afc-announces-support-for-maryland-legislation-promoting-transparency-and-regulation-in-small-business-financing</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/press-releases/american-fintech-council-afc-announces-support-for-new-legislation-promoting-transparency-and-regulation-in-small-business-financing</loc>
    </url>
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        <loc>https://fintechcouncil.org/press-releases/american-fintech-council-afc-announces-support-for-new-legislation-to-create-36-percent-interest-rate-cap-on-consumer-loans</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/press-releases/american-fintech-council-afc-applauds-fdic-proposal-to-establish-office-of-supervisory-appeals</loc>
    </url>
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        <loc>https://fintechcouncil.org/press-releases/american-fintech-council-afc-applauds-fintech-subcommittee-for-focus-on-expanding-consumer-access-and-modernizing-oversight-on-affordable-financial-technology-solutions</loc>
    </url>
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        <loc>https://fintechcouncil.org/press-releases/american-fintech-council-afc-applauds-house-financial-services-committee-focus-on-advancing-responsible-ai-innovation</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/press-releases/american-fintech-council-afc-applauds-introduction-of-the-community-bank-deposit-access-act</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/press-releases/american-fintech-council-afc-applauds-iowa-legislatures-passage-of-responsible-interest-rate-cap-urges-governor-kim-reynolds-to-sign</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/press-releases/american-fintech-council-afc-applauds-michigan-lawmakers-for-seeking-to-expand-access-to-affordable-credit</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/press-releases/american-fintech-council-afc-applauds-oregons-recognition-of-community-bank-week</loc>
    </url>
    <url>
        <loc>https://fintechcouncil.org/press-releases/american-fintech-council-afc-applauds-state-of-louisiana-for-enactment-of-earned-wage-access-services-act</loc>
    </url>
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        <loc>https://fintechcouncil.org/press-releases/american-fintech-council-afc-applauds-the-council-of-state-governments-csg-for-recognizing-the-importance-of-innovative-earned-wage-access-ewa-legislation</loc>
    </url>
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        <loc>https://fintechcouncil.org/press-releases/american-fintech-council-afc-applauds-the-office-of-the-comptroller-of-the-currency-occ-for-expanded-and-pragmatic-approach-to-financial-inclusion-through-project-reach-2-0</loc>
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        <loc>https://fintechcouncil.org/press-releases/american-fintech-council-afc-appoints-charles-e-potts-as-executive-vice-president-and-head-of-growth-and-engagement</loc>
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        <loc>https://fintechcouncil.org/press-releases/american-fintech-council-afc-argues-for-safe-and-responsible-consumer-financial-access-in-washington-state</loc>
    </url>
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        <loc>https://fintechcouncil.org/press-releases/american-fintech-council-afc-asks-cfpb-to-preserve-open-banking-innovation-and-uphold-fee-prohibitions</loc>
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        <loc>https://fintechcouncil.org/press-releases/american-fintech-council-afc-asks-fincen-to-recognize-the-need-for-regulatory-modernization-and-clarity-in-buy-now-pay-later-bnpl-industry</loc>
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        <loc>https://fintechcouncil.org/press-releases/american-fintech-council-afc-asks-florida-governor-to-sign-legislation-creating-36-annual-percentage-rate-apr-cap-on-personal-consumer-loans</loc>
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        <loc>https://fintechcouncil.org/press-releases/american-fintech-council-afc-backs-bipartisan-bill-to-drive-responsible-ai-innovation-in-financial-services</loc>
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        <loc>https://fintechcouncil.org/press-releases/american-fintech-council-afc-calls-for-accessible-consumer-focused-design-in-trump-accounts-pilot-program</loc>
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        <loc>https://fintechcouncil.org/press-releases/american-fintech-council-afc-calls-for-modifications-to-california-proposed-rule-on-automated-decision-making-and-consumer-privacy</loc>
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        <loc>https://fintechcouncil.org/press-releases/american-fintech-council-afc-calls-for-risk-based-reform-and-regulatory-clarity-in-cfpb-draft-strategic-plan</loc>
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        <loc>https://fintechcouncil.org/press-releases/american-fintech-council-afc-celebrates-capacity-crowd-at-2025-policy-summit-and-announces-expanded-plans-for-10th-annual-summit-coming-in-2026</loc>
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        <loc>https://fintechcouncil.org/press-releases/american-fintech-council-afc-celebrates-indiana-earned-wage-access-act-commends-governor-braun-and-state-legislature-for-leadership-on-responsible-financial-innovation</loc>
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        <loc>https://fintechcouncil.org/press-releases/american-fintech-council-afc-celebrates-maryland-earned-wage-access-legislation-praises-maryland-legislature</loc>
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        <loc>https://fintechcouncil.org/press-releases/american-fintech-council-afc-congratulates-nominee-for-comptroller-of-the-currency-jonathan-gould-and-highlights-opportunities-to-advance-responsible-innovation-2</loc>
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        <loc>https://fintechcouncil.org/press-releases/american-fintech-council-afc-encourages-modernization-of-occ-bank-appeals-process-to-enhance-fairness-and-transparency</loc>
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        <loc>https://fintechcouncil.org/upcoming-events/nacha-smarter-faster-payments</loc>
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        <loc>https://fintechcouncil.org/upcoming-events/subchapter-s-bank-association-27th-annual-conference</loc>
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        <loc>https://fintechcouncil.org/upcoming-events/the-intersect-2026</loc>
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        <loc>https://fintechcouncil.org/states/alaska</loc>
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