Why It Matters

The American Association of Consumer Credit Professionals is consolidating its lobbying firepower at a critical moment as the industry faces existential threats from multiple directions.

Congress is actively pursuing the Ending Scam Credit Repair Act (H.R. 306), which would prohibit upfront fee collection—a core industry revenue model. The CFPB already extracted $1.8 billion from credit repair firms in December 2024 for illegal upfront charges.

The AACCP is now aligned with Marble Arch LLC, which also represents Lexington Law and Credit.com Holdings LLC, creating a coordinated industry voice on Capitol Hill.

The strategic hire of lobbyist Emma King Doyle—who previously worked for Senator Pat Toomey on the Senate Banking Committee—signals a focused effort to build Republican relationships in committees that control credit reporting legislation.

By the Numbers

Since October 2019, the AACCP spent $904,250 across 33 lobbying disclosures, primarily on Credit Repair Organizations Act regulations and Fair Credit Reporting Act provisions.

The organization previously employed a multi-firm strategy across four lobbying shops, with OGR receiving $410,000 and SBL Strategies LLC collecting $268,000.

The AACCP has now consolidated under Marble Arch LLC, which reported $795,000 in lobbying income across 10 clients in 2025. Marble Arch represents Lexington Law and Credit.com Holdings LLC, each paying $60,000 in 2025.

The Agenda

The AACCP is lobbying on "issues related to credit reporting and repair," focusing on defending against regulatory and legislative threats. Past priorities include the Credit Repair Organizations Act and Fair Credit Reporting Act provisions.

Current threats include the Ending Scam Credit Repair Act (H.R.306), which would prohibit upfront fee collection. The Medical Debt Relief Act of 2025 and Credit Access and Inclusion Act of 2025 could also reshape the credit landscape.

Broader Context

The Ending Scam Credit Repair Act would prohibit upfront fees until companies demonstrate results six months after delivery. This mirrors the historic CFPB enforcement action that bankrupted major competitors.

The Medical Debt Relief Act seeks to exclude medical debt from reports—historically a primary driver of credit repair demand. The Credit Access and Inclusion Act would expand alternative payment data in credit scoring, potentially reducing demand for repair services.

Between The Lines

Representatives Sarah McBride (D-DE) and Young Kim (R-CA) are driving H.R. 306 with cross-industry support. The CFPB’s $1.8 billion settlement validated arguments that proponents are advancing legislatively.

The CFPB’s October 2025 preemption guidance limits state-level advocacy strategies, concentrating battles in Congress where bipartisan momentum exists against industry practices.

Competitive Landscape

TransUnion LLC dominates lobbying with $560,000 in Q1 2025 expenditures, engaging on nearly every relevant bill. Experian North America spends $60,000 quarterly on FCRA regulation.

The AACCP’s consolidation creates a distinct credit repair coalition positioned against the credit bureau establishment, allowing unified opposition to legislation threatening the upfront fee business model.

The Bottom Line

The AACCP has consolidated federal advocacy efforts with Marble Arch LLC, coordinating with other major credit repair firms. Doyle’s Republican committee experience positions the organization to counter regulatory pressures as the industry faces direct legislative threats that could fundamentally reshape its business model.

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