119th Congress · introduced in the Senate · Jun 10, 2025
TRAPS Act
Official title from Congress.gov
Latest action (Jun 10, 2025): Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
View on Congress.govPolicy area: Finance and Financial Sector
No official summary has been published for this bill.
Includes amendment, cloture, and procedural votes. Each is labeled with its exact question; only a passage question is a vote to pass the bill.
No recorded roll calls on this bill in coverage.
Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Introduced in Senate
Actions from Congress.gov, newest first.
LD-2 reports whose issue descriptions explicitly cite this bill (bill type and number validated against Congress.gov records). A citation does not establish the client's position or any contact with a member.
Loading lobbying reportsCoverage: reports for 2025 onward, posted Jan 1, 2025 through Oct 24, 2026.
79 citations; showing the 25 most recently posted.
GOWEST CREDIT UNION ASSOCIATION · lobbying firm or registrant: GOWEST CREDIT UNION ASSOCIATION
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Financial Institutions/Investments/Securities
$60,000
Spent on own lobbying
…nion operational flexibility; issues related to community development financial institutions; S. 303; S. 394; S. 401; S. 522; S. 919; S. 940; S. 1582; S. 1880; S. 2019; S. 2296; S. 2999; S. 3017; S. 3355; S. 3674; S. 3684; H.R. 654; H.R. 814; H.R. 975; H.R. 987; H.R. 1603; H.R. 1652; H.R 1791; H.R. 1799; H.R. 2392; H.R. 3633;…
Congress inferred from the report year; bill number matches Congress.gov records and the bill predates the report; no title was cited with it. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
GOWEST CREDIT UNION ASSOCIATION · lobbying firm or registrant: GOWEST CREDIT UNION ASSOCIATION
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Banking
$60,000
Spent on own lobbying
…nion operational flexibility; issues related to community development financial institutions; S. 303; S. 394; S. 401; S. 522; S. 919; S. 940; S. 1582; S. 1880; S. 2019; S. 2296; S. 2999; S. 3017; S. 3355; S. 3674; S. 3684; H.R. 654; H.R. 814; H.R. 975; H.R. 987; H.R. 1603; H.R. 1652; H.R 1791; H.R. 1799; H.R. 2392; H.R. 3633;…
Congress inferred from the report year; bill number matches Congress.gov records and the bill predates the report; no title was cited with it. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
META PLATFORMS, INC. AND VARIOUS SUBSIDIARIES · lobbying firm or registrant: META PLATFORMS, INC. AND VARIOUS SUBSIDIARIES
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Computer Industry
$5,880,000
Spent on own lobbying
…2025; S. 1748/H.R. 6484, Kids Online Safety Act (KOSA); S. 1792, AI Whistleblower Protection Act; S. 1829, STOP CSAM Act of 2025; S. 1885, Stop the Scroll Act; S. 2019, Taskforce for Recognizing and Averting Payment Scams (TRAPS) Act; S. 2081, Responsible Innovation and Safe Expertise (RISE) Act of 2025; S. 2750, Strengthenin…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
TRUIST FINANCIAL CORPORATION (FORMERLY KNOWN AS BB&T) · lobbying firm or registrant: TRUIST FINANCIAL CORPORATION (FORMERLY KNOWN AS BB&T)
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Banking
$170,000
Spent on own lobbying
…H.R.7548 - Safeguarding Consumers from Advertising Misconduct Act (SCAM Act) - issues relating to accountability around platforms removing scam/fraud activity; S.2019 - Taskforce for Recognizing and Averting Payment Scams Act (TRAPS Act) - issues relating to public-private sector coordination in combating fraud and scam sche…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
AMERICAN BANKERS ASSOCIATION · lobbying firm or registrant: AMERICAN BANKERS ASSOCIATION
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Banking
$3,100,000
Spent on own lobbying
…g Uncertain Methods and Practices in Supervision (HUMPS) Act of 2025 H.R. 3380, the Taking Account of Institutions with Low Operation Risk (TAILOR) Act of 2025 S. 2019 / H.R. 4936, Taskforce for Recognizing and Averting Payment Scams Act, or TRAPS Act H.R. 3390, the Bringing the Discount Window into the 21st Century Act H.R.…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
CAPITAL ONE FINANCIAL CORPORATION · lobbying firm or registrant: CAPITAL ONE FINANCIAL CORPORATION
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Financial Institutions/Investments/Securities
$890,000
Spent on own lobbying
…al issues impacting consumer and commercial loans including payment systems, emerging payments, loan terms and product features, and the regulation of banking. S.2019 - Task Force for Recognizing and Averting Payment Scams Act (TRAPS Act)/HR 2978 - Guarding Unprotected Aging Retirees from Deception Act (GUARD Act); Issues re…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
CONSUMER BANKERS ASSOCIATION · lobbying firm or registrant: CONSUMER BANKERS ASSOCIATION
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Banking
$1,500,000
Spent on own lobbying
…ion relating to "Overdraft Lending: Very Large Financial Institutions". S. 1582- Guiding and Establishing National Innovation for U.S. Stablecoins (GENIUS) Act S. 2019- Taskforce for Recognizing and Averting Payment Scams (TRAPS) Act S. 2486- Protecting Access to Credit for Small Businesses Act S. 2511, College Transparency A…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
GLOBAL PAYMENTS, INC. · lobbying firm or registrant: GLOBAL PAYMENTS, INC.
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 19, 2026 · issue area: Financial Institutions/Investments/Securities
$180,000
Spent on own lobbying
…general update on transaction between Global Payments and Worldpay; discussions concerning PACE Act (H.R. 8395); discussions regarding the TRAPS Act (H.R. 4936/S. 2019); discussions concerning status of United States-Mexico-Canada Agreement; discussions concerning status of CLARITY Act/Digital Asset Market Clarity Act (H.R. 3…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
CALIFORNIA AND NEVADA CREDIT UNION LEAGUES · lobbying firm or registrant: CALIFORNIA AND NEVADA CREDIT UNION LEAGUES
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 14, 2026 · issue area: Banking
$120,000
Spent on own lobbying
…; HJRes 59 (repeal overdraft rule); SJRes 18 (repeal overdraft rule); expansion of CFI definition under the FHLB; S. 522, Credit Union Board Modernization Act; S. 2019, the TRAPS Act (fraud prevention); Small Business Administration lending letter; the GENIUS Act (crypto & stablecoin); H.R. 507, the veterans member business l…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
AMERICAS CREDIT UNIONS, FKA CREDIT UNION NATIONAL ASSOCIATION, INC. DBA AMERICA · lobbying firm or registrant: AMERICAS CREDIT UNIONS, FKA CREDIT UNION NATIONAL ASSOCIATION, INC. DBA AMERICAS CREDIT UNIONS
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 14, 2026 · issue area: Banking
$1,060,000
Spent on own lobbying
…(H.R. 4167; S. 3616) Support CDFI Bond Guarantee Program Improvement Act (S. 1880) Support Taskforce for Recognizing and Averting Payment Scams Act (H.R. 4936; S. 2019; Senate Amendment 3257) Support Capping Excessive Awarding of SBLC Entrants Act (H.R. 2987) Support Supervisory Modifications for Appropriate Risk-Based Testin…
Congress inferred from the report year; bill number matches Congress.gov records and the bill predates the report; no title was cited with it. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
MICHIGAN CREDIT UNION LEAGUE · lobbying firm or registrant: MICHIGAN CREDIT UNION LEAGUE
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 13, 2026 · issue area: Financial Institutions/Investments/Securities
$40,000
Spent on own lobbying
…Credit unions are supporting three fraud related bills currently: H.R. 9331, the Strengthening Transaction Oversight and Preventing (STOP) Payments Fraud Act; S.2019/H.R. 4936, the Task Force for Recognizing and Averting Payment Scams (TRAPS) Act; and S.3774/H.R. 7548, the Safeguarding Consumers from Advertizing Misconduct…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
META PLATFORMS, INC. · lobbying firm or registrant: MASON STREET CONSULTING, LLC
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 9, 2026 · issue area: Banking
$20,000
Paid to lobbying firm
Section 230 of the Communications Decency Act. S.2019 - TRAPS Act.
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
CALIFORNIA AND NEVADA CREDIT UNION LEAGUES · lobbying firm or registrant: CALIFORNIA AND NEVADA CREDIT UNION LEAGUES
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 30, 2026 · issue area: Banking
$110,000
Spent on own lobbying
…; HJRes 59 (repeal overdraft rule); SJRes 18 (repeal overdraft rule); expansion of CFI definition under the FHLB; S. 522, Credit Union Board Modernization Act; S. 2019, the TRAPS Act (fraud prevention); Small Business Administration lending letter; the GENIUS Act (crypto & stablecoin); H.R. 507, the veterans member business l…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
LEAGUE OF SOUTHEASTERN CREDIT UNIONS · lobbying firm or registrant: LEAGUE OF SOUTHEASTERN CREDIT UNIONS
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 21, 2026 · issue area: Banking
$70,000
Spent on own lobbying
…Bank Relief Act. Fraud Prevention and Scam Mitigation (TRAPS Act): Supported legislative efforts to address financial fraud and scams, including H.R. 4936 and S. 2019 (TRAPS Act). Advocacy included promoting interagency coordination, enhanced data-sharing, and tools for financial institutions to detect and prevent fraudulent…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
GOWEST CREDIT UNION ASSOCIATION · lobbying firm or registrant: GOWEST CREDIT UNION ASSOCIATION
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 21, 2026 · issue area: Financial Institutions/Investments/Securities
$80,000
Spent on own lobbying
…nion operational flexibility; issues related to community development financial institutions; S. 303; S. 394; S. 401; S. 522; S. 919; S. 940; S. 1582; S. 1880; S. 2019; S. 2296; S. 2999; S. 3017; S. 3355; S. 3684; H.R. 654; H.R. 814; H.R. 975; H.R. 987; H.R. 1603; H.R. 1652; H.R 1791; H.R. 1799; H.R. 2392; H.R. 3633; H.R. 590…
Congress inferred from the report year; bill number matches Congress.gov records and the bill predates the report; no title was cited with it. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
GOWEST CREDIT UNION ASSOCIATION · lobbying firm or registrant: GOWEST CREDIT UNION ASSOCIATION
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 21, 2026 · issue area: Banking
$80,000
Spent on own lobbying
…nion operational flexibility; issues related to community development financial institutions; S. 303; S. 394; S. 401; S. 522; S. 919; S. 940; S. 1582; S. 1880; S. 2019; S. 2296; S. 2999; S. 3017; S. 3355; S. 3684; H.R. 654; H.R. 814; H.R. 975; H.R. 987; H.R. 1603; H.R. 1652; H.R 1791; H.R. 1799; H.R. 2392; H.R. 3633; H.R. 590…
Congress inferred from the report year; bill number matches Congress.gov records and the bill predates the report; no title was cited with it. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
TRUIST FINANCIAL CORPORATION (FORMERLY KNOWN AS BB&T) · lobbying firm or registrant: TRUIST FINANCIAL CORPORATION (FORMERLY KNOWN AS BB&T)
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 20, 2026 · issue area: Banking
$220,000
Spent on own lobbying
…H.R.7548 - Safeguarding Consumers from Advertising Misconduct Act (SCAM Act) - issues relating to accountability around platforms removing scam/fraud activity; S.2019 - Taskforce for Recognizing and Averting Payment Scams Act (TRAPS Act) - issues relating to public-private sector coordination in combating fraud and scam sche…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
META PLATFORMS, INC. AND VARIOUS SUBSIDIARIES · lobbying firm or registrant: META PLATFORMS, INC. AND VARIOUS SUBSIDIARIES
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 20, 2026 · issue area: Computer Industry
$5,990,000
Spent on own lobbying
…Act of 2025; S. 1792, AI Whistleblower Protection Act; Issues related to the CLOUD Act; S. 2081, Responsible Innovation and Safe Expertise (RISE) Act of 2025; S. 2019, Taskforce for Recognizing and Averting Payment Scams (TRAPS) Act; S. 2750, Strengthening Artificial intelligence Normalization and Diffusion By Oversight and…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
AMERICAN BANKERS ASSOCIATION · lobbying firm or registrant: AMERICAN BANKERS ASSOCIATION
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 20, 2026 · issue area: Banking
$3,510,000
Spent on own lobbying
…g Uncertain Methods and Practices in Supervision (HUMPS) Act of 2025 H.R. 3380, the Taking Account of Institutions with Low Operation Risk (TAILOR) Act of 2025 S.2019 - Task Force for Recognizing and Averting Payments Scams (TRAPS) Act H.R. 3390, the Bringing the Discount Window into the 21st Century Act H.R. 4460, the Stop…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
CAPITAL ONE FINANCIAL CORPORATION · lobbying firm or registrant: CAPITAL ONE FINANCIAL CORPORATION
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 20, 2026 · issue area: Financial Institutions/Investments/Securities
$1,240,000
Spent on own lobbying
…al issues impacting consumer and commercial loans including payment systems, emerging payments, loan terms and product features, and the regulation of banking. S.2019 - TRAPS Act/HR 2978 - GUARD Act; Issues related to fraud and scam prevention. S. 3623 and H.R. 7035 - CCCA
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
ELECTRONIC TRANSACTIONS ASSOCIATION · lobbying firm or registrant: ELECTRONIC TRANSACTIONS ASSOCIATION
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 20, 2026 · issue area: Banking
$550,000
Spent on own lobbying
…porting, payments systems, currency production/circulation and elimination of the penny, cyber-security, financial services, merchant cash advances, privacy. - S. 2019 TRAPS Act, HR 4936 TRAPS Act - S. 2983 Extending Expired Cybersecurity Authorities - HR 5079 Widespread Information Management for the Welfare of Infrastructur…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
ELECTRONIC TRANSACTIONS ASSOCIATION · lobbying firm or registrant: ELECTRONIC TRANSACTIONS ASSOCIATION
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 20, 2026 · issue area: Consumer Issues/Safety/Products
$550,000
Spent on own lobbying
…ecurity, data storage, open banking, regulatory reform, tax reporting, payments systems, cyber-security, financial services, merchant cash advances, privacy. - S. 2019 TRAPS Act, HR 4936 TRAPS Act - S. 2983 Extending Expired Cybersecurity Authorities - HR 5079 Widespread Information Management for the Welfare of Infrastructur…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
CONSUMER BANKERS ASSOCIATION · lobbying firm or registrant: CONSUMER BANKERS ASSOCIATION
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 19, 2026 · issue area: Banking
$1,030,000
Spent on own lobbying
…ion relating to "Overdraft Lending: Very Large Financial Institutions". S. 1582- Guiding and Establishing National Innovation for U.S. Stablecoins (GENIUS) Act S. 2019- Taskforce for Recognizing and Averting Payment Scams (TRAPS) Act S. 2486- Protecting Access to Credit for Small Businesses Act S.2651 - ROAD to Housing Act of…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
AMERICAS CREDIT UNIONS, FKA CREDIT UNION NATIONAL ASSOCIATION, INC. DBA AMERICA · lobbying firm or registrant: AMERICAS CREDIT UNIONS, FKA CREDIT UNION NATIONAL ASSOCIATION, INC. DBA AMERICAS CREDIT UNIONS
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 17, 2026 · issue area: Banking
$1,290,000
Spent on own lobbying
…ions Act (H.R. 4167) Support CDFI Bond Guarantee Program Improvement Act (S. 1880) Support Taskforce for Recognizing and Averting Payment Scams Act (H.R. 4936; S. 2019; Senate Amendment 3257) Support Capping Excessive Awarding of SBLC Entrants Act (H.R. 2987) Support Expanding Access to Lending Options Act (H.R. 4167) Support…
Congress inferred from the report year; bill number matches Congress.gov records and the bill predates the report; no title was cited with it. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
META PLATFORMS, INC. · lobbying firm or registrant: MASON STREET CONSULTING, LLC
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 7, 2026 · issue area: Banking
$20,000
Paid to lobbying firm
Section 230 of the Communications Decency Act. S.2019 - TRAPS Act.
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing