This letter is submitted on behalf of ACA International, American Bankers Association, American Financial Services Association, American Transaction Processors Coalition, Bank Policy Institute, Credit Union National Association, Electronic Transactions Association, Independent Community Bankers of America, National Association of Federally-Insured Credit Unions, National Association of
Mutual Insurance Companies, Online Lenders Alliance, Real Estate Services Providers Council, Inc. (RESPRO), Small Business & Entrepreneurship Council, and the U.S. Chamber of Commerce.