b'2021 ANNUAL REPORTEnergy - Motor Vehicle Fuel Efficiency: CFA continued its consumer leadership in motor vehicle fuel economy. For light-duty vehicles, the new administration brought a welcome respite in the unremitting attacks the Trump administration conducted against fuel efficiency standards. In anticipation of the Environmental Protection Agency and National Highway Transportation Safety Administration rulemakings overriding the Trump administrations rollback and freeze of the standards, CFA prepared lengthy comments we submitted to each agency and attended virtual hearings with the agencies. We also sent letters and issued press releases encouraging states to become a Clean Car state, which would establish low-emission vehicle (LEV) and zero-emissions vehicle (ZEV) programs.Financial Protection: CFA continued to lead efforts for strong consumer financial protections. We worked to hold the Consumer Financial Protection Bureau (CFPB) accountable, ensure that it was acting in the best interest of consumers, and highlight consumer protection priorities during the administrative transition. CFA urged the CFPB to issue a strong rule regarding consumer access to financial records under Section 1033 of the Dodd Frank Act, urging that the rule mandates true consumer control over their own data. We continued to advocate for more transparency in the CFPBs consumer complaint database; urged the CFPB to ensure that Fair Credit Reporting Act deadlines were met and rescind policy guidance permitting leniency for those deadlines; and reverse harmful earned wage access actions that threaten to create dangerous loopholes. In addition, CFA called on the CFPB to focus on consumer choice, transparency, and the prevalence of fraud in their examination of Big Tech payment platforms.In addition, CFAs accountability and oversight work spread to other federal regulators. CFA led an advocacy campaign to overturn the True Lender rule through congressional action, after it was issued by the Office of the Comptroller of the Currency (OCC) in 2020. This rule accompanied additional rules issued by the OCC and the Federal Deposit Insurance Corporation (FDIC), that taken together would eviscerate state interest rate caps. CFA also advocated for the Federal Reserve to ensure the FedNow real time payment system has sufficient fraud protections. 2021 ANNUAL REPORT7'