id,filing_uuid,filing_type,registrant_name,registrant_id,client_name,filing_year,filing_period,issue_code,specific_issues,government_entities,income_amount,expense_amount,is_no_activity,is_termination,received_date
1980821,23e3e246-540e-4e14-ab26-06b37851d1c6,2T,MS. ELIZABETH GARNER,401103866,MERCHANT ADVISORY GROUP,2017,second_quarter,BAN,"Regulation II. Section 920 of the Dodd-Frank Wall Street Reform and Consumer Protection Act. Provisions related to debit card acceptance, debit fees, and debit routing competition.
Financial CHOICE Act. Provisions related to debit reforms. 
Open Payment Standards.","HOUSE OF REPRESENTATIVES,SENATE",10000,,0,1,2017-05-07T17:57:07.497000-04:00
1981291,58990dd2-0ee2-44b3-9525-44b129a37c64,Q2,MARYLAND & DISTRICT OF COLUMBIA CREDIT UNION ASSOCIATION,303416,MARYLAND & DISTRICT OF COLUMBIA CREDIT UNION ASSOCIATION,2017,second_quarter,BAN,"cyber security, tax reform issues","Consumer Financial Protection Bureau (CFPB),HOUSE OF REPRESENTATIVES,Natl Credit Union Administration (NCUA),SENATE",,,0,0,2017-05-12T13:58:32.903000-04:00
1982386,f7940df1-6b70-464d-b9c6-4bc0efe4aa95,Q2,"THE LIAISON GROUP, LLC",401104378,"TOKKEN, INC.",2017,second_quarter,BAN,Proposed legislation addressing banking in the cannabis industry,"HOUSE OF REPRESENTATIVES,SENATE",20000,,0,0,2017-06-28T13:40:08.873000-04:00
1982597,4cd62287-43bb-4ad9-bb1e-3adf9d3b2508,Q2,MARSHALL BRACHMAN,6848,LOCKHEED MARTIN AERONAUTIC SECTOR,2017,second_quarter,BAN,support defense financing provisions,"HOUSE OF REPRESENTATIVES,SENATE",24513,,0,0,2017-07-01T16:52:43.237000-04:00
1982602,279d418c-56ab-4c91-a198-0606f169f246,Q2,MARSHALL BRACHMAN,6848,ZIONS BANCORP,2017,second_quarter,BAN,"monitor Banking legislation on FHLB regarding rural infrastructure
monitor Banking legislation related to student loans
Support legislation on SIFI redifinition
oppose Federal Reserve Interest pay for","HOUSE OF REPRESENTATIVES,SENATE",24000,,0,0,2017-07-01T16:55:45.047000-04:00
1982696,8ad79cc4-08a6-4378-a83f-7d2c828bc1c6,Q2,RNL CONSULTING LLC,401104173,GENWORTH FINANCIAL,2017,second_quarter,BAN,Provisions in the DFA Reform Act in the House known as the Choice Act (no current bill number).  Specific lobbying on authority of FSOC to designate insurers as systemically significant;  the powers and role of the Federal Insurance Office;  the specific impact of Covered Agreements; the powers and authority of the CFPB with respect to insurance products.,"HOUSE OF REPRESENTATIVES,Labor, Dept of (DOL),SENATE,White House Office",25000,,0,0,2017-07-03T10:34:45.623000-04:00
1982828,6c575fae-1d06-41e5-a75b-a2547ff94a75,Q2,CALIFORNIA AND NEVADA CREDIT UNION LEAGUES,7725,CALIFORNIA AND NEVADA CREDIT UNION LEAGUES,2017,second_quarter,BAN,"Fair Credit Reporting Act, S.836 and H.R.389 credit union member business lending, residential loan parity. Consumer Financial Protection Bureau restructuring and reform. Property Assessed Clean Energy (PACE) lending, and the Truth in Lending Act. Proposed rules on payday lending; HMDA, TRID, QM. CDFI funding. Community lender exemption authority to Dodd-Frank Wall Street Reform and Consumer Protection Act. Cannabis banking. H.R. 10, Financial Choice Act and amendments. Military Lending Act.","Consumer Financial Protection Bureau (CFPB),Federal Trade Commission (FTC),HOUSE OF REPRESENTATIVES,Natl Credit Union Administration (NCUA),SENATE",,110000,0,0,2017-07-03T15:25:30.047000-04:00
1982965,ff35dcf5-7d3c-4fdc-bdcb-6ba7d912377e,Q2,YORKTOWN SOLUTIONS,401104033,PRIME POLICY GROUP ON BEHALF OF SERGEI LEONTIEV,2017,second_quarter,BAN,Sergei Leontiev,"HOUSE OF REPRESENTATIVES,SENATE,State, Dept of (DOS)",15000,,0,0,2017-07-05T11:00:01.483000-04:00
1983109,9be61575-8967-4ea2-b502-10b41bd13ad6,Q2,"MAGILL ASSOCIATES, LLC",401103511,"LIVINGSTON GROUP L L C ""ON BEHALF OF THE PEW CHARITABLE TRUSTS""",2017,second_quarter,BAN,The Consumer Financial Protection Board's (CFPB) proposed rulemaking on payday lending pursuant to its authority under sections 1031 and 1032 of the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act).  The CFPB's rule on prepaid cards. The Department of Justice's Justice Reinvestment Initiative.,"HOUSE OF REPRESENTATIVES,SENATE",30000,,0,0,2017-07-05T13:18:32.197000-04:00
1983112,068191bc-ab46-4c73-bf07-83d8713f2e08,Q2,"MAGILL ASSOCIATES, LLC",401103511,MOUNTAIN WEST CREDIT UNION ASSOCIATION,2017,second_quarter,BAN,Legislation affecting credit unions,"HOUSE OF REPRESENTATIVES,SENATE",10000,,0,0,2017-07-05T13:19:34.540000-04:00
1983212,7cba44a8-9bd8-4bfd-ac6d-bd5f50850676,Q2,RICH FEUER ANDERSON,84775,GENWORTH FINANCIAL INC,2017,second_quarter,BAN,"Housing finance reform and operation of the Federal Housing Administration and the Federal government-sponsored housing enterprises, including H.R. 6487, the ""Taxpayer Protections and Market Access for Mortgage Finance Act of 2016"" (114th Congress).","HOUSE OF REPRESENTATIVES,SENATE",30000,,0,0,2017-07-05T16:53:47.113000-04:00
1983216,4abb908e-61be-4cec-a30f-22fbd8f949cb,Q2,YODLEE INC.,401104165,YODLEE INC.,2017,second_quarter,BAN,Consumer-permissioned financial data access; regulation of bank third-parties,"Consumer Financial Protection Bureau (CFPB),Federal Deposit Insurance Corporation (FDIC),Federal Reserve System,Financial Crimes Enforcement Network (FinCEN),HOUSE OF REPRESENTATIVES,Labor, Dept of (DOL),Office of the Comptroller of the Currency (OCC),Securities & Exchange Commission (SEC),SENATE,Treasury, Dept of",,90000,0,0,2017-07-05T17:08:51.467000-04:00
1983220,3df404d7-a50d-4b72-b6bd-01a7a574c2a0,Q2,RICH FEUER ANDERSON,84775,BLACKROCK FUNDS SERVICES GROUP LLC (FORMERLY BLACKROCK CAPITAL MANAGEMENT INC.),2017,second_quarter,BAN,"Implementation of the ""Dodd-Frank Wall Street Reform and Consumer Protection Act,"" including fund naming provisions and H.R. 10, the ""Financial CHOICE Act.""  Regulation of asset managers as systemically important financial institutions.","HOUSE OF REPRESENTATIVES,SENATE",80000,,0,0,2017-07-05T17:18:53.123000-04:00
1983430,3c1be960-d3cd-4234-86f9-30ef47c0e9e6,Q2,AMERICANS FOR SAFE ACCESS,312714,AMERICANS FOR SAFE ACCESS,2017,second_quarter,BAN,Medical Marijuana,"HOUSE OF REPRESENTATIVES,Justice, Dept of (DOJ),Office of Natl Drug Control Policy (NDCP),SENATE,Veterans Affairs, Dept of (VA)",,,0,0,2017-07-06T13:29:59.500000-04:00
1983443,f17e5df5-a480-4125-b576-38e56e531f33,2T,HOLLAND & KNIGHT LLP,18466,NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY,2017,second_quarter,BAN,Tax treatment of inside buildup; tax treatment of life settlements.,SENATE,30000,,0,1,2017-07-06T13:44:08.823000-04:00
1983448,64df0185-459d-491a-82f7-7d206e959c23,Q2,HOLLAND & KNIGHT LLP,18466,MORTGAGE BANKERS ASSOCIATION,2017,second_quarter,BAN,Tax deductions for mortgage interest; reform of mortgage government-sponsored enterprises; refinancing legislation.,"HOUSE OF REPRESENTATIVES,SENATE",30000,,0,0,2017-07-06T13:48:12.620000-04:00
1983580,652add0a-0db1-4463-aee9-ccd001b7a478,Q2,NATIONAL ASSOCIATION OF THEATRE OWNERS,401103394,NATIONAL ASSOCIATION OF THEATRE OWNERS,2017,second_quarter,BAN,HR 10 (CHOICE Act) language repealing the Durbin Amendment,HOUSE OF REPRESENTATIVES,,,0,0,2017-07-06T16:07:36.847000-04:00
1983732,322e13dc-8530-40b5-a441-e4b659edaae7,2T,"DUTKO WORLDWIDE, LLC",12868,FOREX CAPITAL MARKETS LLC,2017,second_quarter,BAN,"Provide strategy and advice to Forex on legislation that affects them and their industry, including implementation of Dodd-Frank and other potential regulations affecting the retail foreign exchange business such as definitions and protection of customer funds and the segregated funds rule.","HOUSE OF REPRESENTATIVES,SENATE",20000,,0,1,2017-07-06T18:20:56.697000-04:00
1983898,09e10568-62ca-43b6-a2e5-04099b943602,2T,YORKTOWN SOLUTIONS,401104033,PRIME POLICY GROUP ON BEHALF OF SERGEI LEONTIEV,2017,second_quarter,BAN,Sergei Leontiev,"HOUSE OF REPRESENTATIVES,SENATE,State, Dept of (DOS)",15000,,0,1,2017-07-07T12:35:19.430000-04:00
1983919,4b6bd2e5-6812-45f2-97cc-df688a2cd55f,Q2,"NACHA, THE ELECTRONIC PAYMENTS ASSOCIATION",401103937,"NACHA, THE ELECTRONIC PAYMENTS ASSOCIATION",2017,second_quarter,BAN,"Payments System Improvements
Data Security
Cybersecurity
Cyber Threat Information Sharing
Federal Reserve Faster Payments Task Force
Federal Reserve Safer Payments Task Force
Consumer Protection Standards
Financial Regulator Reform
Private Sector Rulemaking
Mobile Payments
Faster Payments
Alternative Payment Systems
Blockchain and Virtual Currency
Senate Payments Innovation Caucus
Congressional Fintech and Payments Technology Caucus
OCC National Bank Charter for Financial Technology Industry
Consumer Data Access

H.R.5983 - Financial CHOICE Act of 2016, customer termination procedures, CFPB structure, CFPB regulatory authority, Unfair, Deceptive or Abusive Acts and Practices (UDAP) provisions
Financial Choice Act of 2017, customer termination procedures, CFPB structure, UDAP provisions

H.R. 2133 - CLEARR Act of 2017, Community Lending Enhancement and Regulatory Relief Act of 2017, provisions related to CFPB UDAP authority and deposit account termination requests.","Consumer Financial Protection Bureau (CFPB),Federal Deposit Insurance Corporation (FDIC),Federal Reserve System,HOUSE OF REPRESENTATIVES,Office of the Comptroller of the Currency (OCC),SENATE,Treasury, Dept of",,15000,0,0,2017-07-07T13:18:42.933000-04:00
1984083,e35d0f59-b914-41c1-a26c-eac01da611c8,Q2,RICH FEUER ANDERSON,84775,MELLON FINANCIAL SERVICES CORPORATE #1 (FORMERLY BANK OF NEW YORK MELLON CORP.),2017,second_quarter,BAN,"Implementation of the ""Dodd-Frank Wall Street Reform and Consumer Protection Act,"" including provisions affecting custody banking and H.R. 2121, the ""Pension, Endowment, and Mutual Fund Access to Banking Act.""","HOUSE OF REPRESENTATIVES,SENATE",45000,,0,0,2017-07-07T17:33:28.647000-04:00
1984222,757359ef-a3bd-4ae1-9f13-c3ea2c2cd7b4,Q2,"LAW OFFICES OF GEORGE HARRIS, LLC",400871553,CITY OF THOMASVILLE,2017,second_quarter,BAN,"Advocate for changes affecting local government entities' access to financing related to the Board of Governors of the Federal Reserve System's Proposed Rulemaking, ""Regulations Q and Y; Risk-Based Capital and Other Regulatory Requirements for Activities of Financial Holding Companies Related to Physical Commodities and Risk-Based Capital Requirements for Merchant Banking Investments""","Agriculture, Dept of (USDA),Energy, Dept of,Executive Office of the President (EOP),Federal Reserve System,HOUSE OF REPRESENTATIVES,Office of Justice Program,Office of Management & Budget (OMB),SENATE",10000,,0,0,2017-07-09T16:55:36.620000-04:00
1984323,e5ec545b-4859-4bea-b810-c12ced553072,Q2,NATIONAL GROCERS ASSOCIATION,27924,NATIONAL GROCERS ASSOCIATION,2017,second_quarter,BAN,"HR 10, The Financial Choice Act
Debit and Credit Interchange Reform","Agriculture, Dept of (USDA),Food & Drug Administration (FDA),HOUSE OF REPRESENTATIVES,SENATE",,40000,0,0,2017-07-10T10:38:14.217000-04:00
1984401,5d273e7e-9b92-46f2-aaa6-541e895b1cac,Q2,MORTGAGE GUARANTY INSURANCE CORPORATION,401103768,MORTGAGE GUARANTY INSURANCE CORPORATION,2017,second_quarter,BAN,Housing Finance Reform and Taxation,"HOUSE OF REPRESENTATIVES,SENATE",,30000,0,0,2017-07-10T12:41:13.363000-04:00
1984423,59eb44ed-8b53-475a-b4be-4a15cb3bd97d,Q2,KPMG LLP,21893,KPMG LLP,2017,second_quarter,BAN,"Issues related to implementation of Dodd-Frank Wall Street Reform and Consumer Protection Act (Pub.L. 111-203), including section 992.","Government Accountability Office (GAO),HOUSE OF REPRESENTATIVES,Internal Revenue Service (IRS),Securities & Exchange Commission (SEC),SENATE",,280000,0,0,2017-07-10T13:17:39.010000-04:00
1984528,87eab27c-40f9-4b19-aae2-cad21172e094,Q2,PHILIP BECHTEL,284356,COUNCIL OF FEDERAL HOME LOAN BANKS,2017,second_quarter,BAN,Housing finance reform; Dodd-Frank regulatory relief-CHOICE Act (H.R. 10) (; Dodd-Frank implementation; Basel III implementation; CFTC reauthorization legislation - identified banking products treatment for FHLBank advances; general FHLBank matters.,"Federal Deposit Insurance Corporation (FDIC),Federal Housing Finance Agency (FHFA),HOUSE OF REPRESENTATIVES,SENATE",70000,,0,0,2017-07-10T14:22:19.070000-04:00
1984556,3bb2ada2-9b7c-4ab3-964f-a2d78836131a,Q2,KASASA,400991824,KASASA,2017,second_quarter,BAN,Kasasa discussed different issues affecting community financial institutions.,"Federal Deposit Insurance Corporation (FDIC),HOUSE OF REPRESENTATIVES,SENATE",,22470,0,0,2017-07-10T14:45:56.143000-04:00
1984756,13a16007-a363-498f-b394-4c77f27b644f,Q2,RICH FEUER ANDERSON,84775,SYMPHONY COMMUNICATIONS SERVICES LLC,2017,second_quarter,BAN,Legislation and regulation affecting secure communications services.,"HOUSE OF REPRESENTATIVES,SENATE",60000,,0,0,2017-07-10T17:57:37.187000-04:00
1984770,69e06284-2f16-4e1e-97cd-a687e44d7c5d,Q2,RICH FEUER ANDERSON,84775,"SOCIAL FINANCE, INC.",2017,second_quarter,BAN,"Regulation of online lenders, including potential national charter and application of banking regulations.  Securitization of student loans.","HOUSE OF REPRESENTATIVES,SENATE",60000,,0,0,2017-07-10T18:18:49.040000-04:00
1984815,f10fc04b-5355-4e50-b676-4eafe62e1aa5,2A,THE WILLIAMS GROUP,401104049,NATIONAL BANKERS ASSOCIATION,2017,second_quarter,BAN,Financial Regulatory Reform,"HOUSE OF REPRESENTATIVES,SENATE",,,0,0,2017-07-10T19:44:45.173000-04:00
1985198,a6d2705d-cef6-44ae-b3eb-7e762bd8ae91,Q2,HOLLAND & KNIGHT LLP,18466,AMSCOT FINANCIAL CORPORATION,2017,second_quarter,BAN,"Financial services and banking issues, including consumer financial protection issues and education issues and Consumer Financial Protection Bureau implementation issues.","HOUSE OF REPRESENTATIVES,SENATE",80000,,0,0,2017-07-11T15:15:50.500000-04:00
1985299,2a6522a9-f28f-4944-bba4-c0bc1b315fb6,Q2,RICH FEUER ANDERSON,84775,BLOCKCHAIN (US) INC.,2017,second_quarter,BAN,Legislation and regulatory initiatives impacting digital currencies.,"HOUSE OF REPRESENTATIVES,SENATE",30000,,0,0,2017-07-11T16:30:12.683000-04:00
1985306,f2fa4114-c0e1-48fb-912d-83ae7d424746,Q2,RICH FEUER ANDERSON,84775,APPRAISAL INSTITUTE,2017,second_quarter,BAN,"Regulation of appraisers, including modernization of regulatory structure, including H.R. 2133, the ""Community Lending Enhancement and Regulatory Relief Act of 2017.""","HOUSE OF REPRESENTATIVES,SENATE",30000,,0,0,2017-07-11T16:46:21.817000-04:00
1985371,d1b075e5-f26f-451b-a064-ace3d3c2fc42,Q2,ENTERTAINMENT MERCHANTS ASSOCIATION,68890,ENTERTAINMENT MERCHANTS ASSOCIATION,2017,second_quarter,BAN,Regulation of credit card interchange fees.,,,10000,0,0,2017-07-11T17:36:33.197000-04:00
1985524,794ff904-3e29-4bd9-829c-5dfe40f037ac,Q2,"MORRISON & FOERSTER, LLP",25897,AMERICAN BANKERS ASSOCIATION,2017,second_quarter,BAN,Cybersecurity and breach notification,"HOUSE OF REPRESENTATIVES,SENATE",20000,,0,0,2017-07-12T10:05:41.150000-04:00
1985556,de268e6f-e0c3-4539-b488-3aa3fa3a1de5,Q2,AMERICAN FINANCIAL SERVICES ASSOCIATION,2354,AMERICAN FINANCIAL SERVICES ASSOCIATION,2017,second_quarter,BAN,"Dodd Frank Wall Street Reform and Consumer Protection Act, Arbitration, Auto Lending, Consumer Privacy, Industrial Loan Banks, Installment Lending, Military Lending, Mortgage Lending, Payment Cards, Tax Reform, Telephone Consumer Protection Act","Consumer Financial Protection Bureau (CFPB),Defense, Dept of (DOD),Federal Communications Commission (FCC),Federal Reserve System,Federal Trade Commission (FTC),HOUSE OF REPRESENTATIVES,Housing & Urban Development, Dept of (HUD),Office of the Comptroller of the Currency (OCC),SENATE,Small Business Administration (SBA),Treasury, Dept of,Vice President of the U.S.,White House Office",,125000,0,0,2017-07-12T10:26:20.937000-04:00
1985651,b0be6481-bed1-4102-b099-6a41c0dbb65b,Q2,"WILLIAMS AND JENSEN, PLLC",41454,TRANSAMERICA COMPANIES (FORMLY AEGON),2017,second_quarter,BAN,Financial Services legislation.,"Health & Human Services, Dept of (HHS),HOUSE OF REPRESENTATIVES,SENATE",70000,,0,0,2017-07-12T11:22:20.173000-04:00
1985660,83a3b152-ec98-4750-8a03-9ebc6260a944,Q2,"WILLIAMS AND JENSEN, PLLC",41454,AMERICAN COUNCIL OF LIFE INSURERS,2017,second_quarter,BAN,Financial services legislation.,"HOUSE OF REPRESENTATIVES,Labor, Dept of (DOL),SENATE,White House Office",60000,,0,0,2017-07-12T11:23:26.440000-04:00
1985744,155ce81f-3abe-4260-bf0e-a33f1aae355d,Q2,ARTEMIS STRATEGIES,82990,PRESERVATION OF AFFORDABLE HOUSING,2017,second_quarter,BAN,HUD / Housing policy,"HOUSE OF REPRESENTATIVES,SENATE",30000,,0,0,2017-07-12T12:42:25-04:00
1986010,f1dc995b-8489-46e1-bbd8-732c912b7eae,Q2,COMMERCE BANK,400728185,COMMERCE BANK,2017,second_quarter,BAN,"Financial and banking regulatory reform, including H.R. 1116 and S. 366, the Tailor Act, which accounts for the fact that a bank's risk is not measured by size alone, but allows regulators to tailor regulatory action depending on a bank's risk profile and business model.  Additionally, discussions about the merits of the CHOICE Act.","HOUSE OF REPRESENTATIVES,SENATE",,,0,0,2017-07-12T16:26:21.920000-04:00
1986017,026baa4b-c726-465b-ac87-6363cb73c455,Q2,"KABBAGE, INC.",401104099,"KABBAGE, INC.",2017,second_quarter,BAN,"1. Educate members of Congress and agencies on Financial Technology solutions (FinTech) in the online small business lending space.
2. Advocate for open federal data (APIs) through Executive Action or Congressional action via CFPB's Dodd Frank 1033 process and the IRS Data Verification Modernization Act of 2016 (McHenry)
3. Educate the OCC, and CFPB on an ""Open Banking"" environment (Dodd Frank 1033) so customers may share their data with ""permissioned third party"" FinTech platforms.","Consumer Financial Protection Bureau (CFPB),Federal Deposit Insurance Corporation (FDIC),Federal Reserve System,HOUSE OF REPRESENTATIVES,Office of the Comptroller of the Currency (OCC),SENATE,Treasury, Dept of",,120000,0,0,2017-07-12T16:31:28.950000-04:00
1986059,868ea875-f821-41d8-90eb-aa53be8467df,Q2,RICH FEUER ANDERSON,84775,"SWIFT, INC.",2017,second_quarter,BAN,"Imposition of sanctions on financial messaging services with respect to institutions in other countries, including H.R.1644, the ""Korean Interdiction and Modernization of Sanctions Act.""  Issues related to cyber security.","HOUSE OF REPRESENTATIVES,SENATE",60000,,0,0,2017-07-12T17:31:15.263000-04:00
1986378,61712cbe-1e5b-4dd7-9019-32daf594e049,Q2,"ETSY, INC.",401103969,ETSY,2017,second_quarter,BAN,"Dodd-Frank. Sec 920.Provisions related to reasonable and proportional fees, network routing, network rule practices, and fraud prevention adjustment. 
H.R 5983. Financial CHOICE Act. Section 335 regarding debit reform repeal.","HOUSE OF REPRESENTATIVES,SENATE",,50000,0,0,2017-07-13T10:59:10.793000-04:00
1986550,00d3f170-f75a-4adf-a679-68011be8c937,Q2,"ROCKWELL COLLINS, INC",68296,"ROCKWELL COLLINS, INC",2017,second_quarter,BAN,--Lobbied for modification of EXIM quorum requirement.,"Air Force, Dept of,Army, Dept of (Other),Defense, Dept of (DOD),Export-Import Bank of the United States (EXIM Bank),Federal Aviation Administration (FAA),Federal Communications Commission (FCC),Homeland Security, Dept of (DHS),HOUSE OF REPRESENTATIVES,Internal Revenue Service (IRS),Natl Aeronautics & Space Administration (NASA),Natl Telecommunications & Information Administration (NTIA),Navy, Dept of,SENATE,Transportation, Dept of (DOT),Treasury, Dept of",,171143,0,0,2017-07-13T12:05:33.023000-04:00
1986672,6db388d5-4aa4-4b65-b679-cdf09e6c45a0,Q2,KATE MOSS,25988,TRANSUNION CORPORATION,2017,second_quarter,BAN,Fair Credit Reporting Act and issues related to identity theft and data security,"HOUSE OF REPRESENTATIVES,SENATE",20000,,0,0,2017-07-13T14:07:32.547000-04:00
1986679,876642a0-953d-4153-a14c-820d87f66b80,Q2,KATE MOSS,25988,DISCOVER FINANCIAL SERVICES,2017,second_quarter,BAN,"Legislation related to ""swipe fees"" and SIFI institutions","HOUSE OF REPRESENTATIVES,SENATE",20000,,0,0,2017-07-13T14:09:37.280000-04:00
1986681,8b505f61-e5a3-47ec-b981-7ad357703c3b,Q2,NATIONAL ASSOCIATION FOR COLLEGE ADMISSION COUNSELING,54916,NATIONAL ASSOCIATION FOR COLLEGE ADMISSION COUNSELING,2017,second_quarter,BAN,"Student loans, Mandatory arbitration clauses","Consumer Financial Protection Bureau (CFPB),Education, Dept of,Federal Trade Commission (FTC),HOUSE OF REPRESENTATIVES,SENATE",,40000,0,0,2017-07-13T14:09:40.123000-04:00
1986727,1142d5fe-28ff-4cea-a30c-28a2e90b220b,Q2,INDEPENDENT INSURANCE AGENTS & BROKERS OF AMERICA,19228,INDEPENDENT INSURANCE AGENTS & BROKERS OF AMERICA,2017,second_quarter,BAN,PL 111-203 Dodd Frank Wall Street Reform and Consumer Protection Act (implementation of insurance provisions),"Agriculture, Dept of (USDA),Executive Office of the President (EOP),Federal Emergency Management Agency (FEMA),Government Accountability Office (GAO),Health & Human Services, Dept of (HHS),HOUSE OF REPRESENTATIVES,Housing & Urban Development, Dept of (HUD),Labor, Dept of (DOL),Natl Economic Council (NEC),Office of Management & Budget (OMB),SENATE,Treasury, Dept of",,480000,0,0,2017-07-13T14:40:11.163000-04:00
1986802,9689867c-20e8-42b6-9ee3-74a3d4ee9763,Q2,"PARRY, ROMANI, DECONCINI & SYMMS",30792,SICPA SECURINK CORP,2017,second_quarter,BAN,"Monitored and opposed legislative efforts affecting U.S. currency; specifically provisions which sought to eliminate the dollar bill and expand the circulation of dollar coins.

Monitored provisions in the budget resolution affecting the scoring of proposals that would eliminate the dollar bill.","HOUSE OF REPRESENTATIVES,SENATE",30000,,0,0,2017-07-13T15:15:06.450000-04:00
1986821,5e69fe65-350e-4164-ae07-8d932027171b,Q2,"ALPINE GROUP PARTNERS, LLC.",1171,SIEMENS CORPORATION,2017,second_quarter,BAN,Import/Export Bank Quorum,"HOUSE OF REPRESENTATIVES,SENATE",20000,,0,0,2017-07-13T15:23:20.027000-04:00
1987028,52732bf6-2341-4e10-b03e-a247fb731500,Q2,"THE NICKLES GROUP, LLC",293335,"MERCHANTS PAYMENTS COALITION, INC.",2017,second_quarter,BAN,"H.R. 10, The Financial Choice Act - issues relating to swipe fees and competitive routing. Issues related to mobile payments.","HOUSE OF REPRESENTATIVES,SENATE",60000,,0,0,2017-07-13T16:57:22.360000-04:00
1987094,63e99af7-fbdc-4705-ab70-36c2fb2a3a7f,Q2,I STREET ADVOCATES,51753,PAYPAL,2017,second_quarter,BAN,financial technology policy,"HOUSE OF REPRESENTATIVES,SENATE",20000,,0,0,2017-07-14T07:16:26.043000-04:00
1987306,abdcec38-ef30-4899-aa46-7cd744510137,Q2,"SIVON NATTER & WECHSLER, P.C. (FKA BARNETT SIVON & NATTER, P.C.)",5448,AMERICAN BANKERS INSURANCE ASSOCIATION,2017,second_quarter,BAN,Preemption,"HOUSE OF REPRESENTATIVES,SENATE",6000,,0,0,2017-07-14T11:20:47.350000-04:00
1987550,b3fc059e-c6b7-4695-a563-65f97de9275d,Q2,"ASSOCIATION FOR CORPORATE GROWTH, INC.",401103169,"ASSOCIATION FOR CORPORATE GROWTH, INC.",2017,second_quarter,BAN,"H.R. 5424, The Investment Advisers Modernization Act and issues related to regulation impacting middle-market private equity; modernizing provisions of The Investment Adviser Act of 1940.","HOUSE OF REPRESENTATIVES,Securities & Exchange Commission (SEC),SENATE",,80000,0,0,2017-07-14T13:06:10.870000-04:00
1987685,39f92240-265d-4240-9e6f-d1acc4b5bcff,Q2,NEW YORK BANKERS ASSOCIATION,29163,NEW YORK BANKERS ASSOCIATION,2017,second_quarter,BAN,"Federal Regulatory Activity

OCC guidance on derivatives under Dodd-Frank; CFPB Ability to Repay Rule and Qualified Mortgage Rule; CFPB mortgage servicing final rules (TILA and RESPA); CFPB escrow final rule under Dodd-Frank; CFPB loan originator and mortgage servicing rules; Basel Committee Liquidity Standard; FDIC appraisal requirements under Dodd-Frank; Federal Reserve proposed rule on enhanced prudential standards and early remediation requirements for large foreign banks under Dodd-Frank; Federal banking agency revisions to Call Report rules; FEMA/ National Flood Insurance; OCC lending limits rule; SEC municipal advisor rule, GSE repurchases; Section 619, Dodd-Frank Wall Street Reform and Consumer Protection Act. Final Rule, Volcker Rule, IRS Regulation 67(e), FDIC Brokered Deposits Rule; Department of Labor Fiduciary Rule

Federal Legislative Activity 

TAILOR Act (HR 1116); Financial Choice Act(HR 10) and amendments; Durbin Amendment; Portfolio Lending and Mortgage Access Act; Federal Savings Association Charter Flexibility Act (HR 1426); credit union issues","Consumer Financial Protection Bureau (CFPB),Federal Deposit Insurance Corporation (FDIC),Federal Housing Finance Agency (FHFA),Federal Reserve System,HOUSE OF REPRESENTATIVES,Internal Revenue Service (IRS),Labor, Dept of (DOL),Office of the Comptroller of the Currency (OCC),Securities & Exchange Commission (SEC),SENATE,Small Business Administration (SBA)",,75000,0,0,2017-07-14T14:13:13.617000-04:00
1987690,3af4b364-88d7-4be4-b44c-f5717e8ca955,Q2,COMMUNITY BANKERS ASSOCIATION OF ILLINOIS,400531588,COMMUNITY BANKERS ASSOCIATION OF ILLINOIS,2017,second_quarter,BAN,"Regulatory relief for community banks in the 115th Congress

Tiered regulation and supervision for community banks as contained in the Independent Community Bankers of Americas (ICBA) Plan for Prosperity

The ICBAs Plan for Prosperity contains the following issue areas and recommendations.
Access to Capital
Restore the original intent of the Basel III rule
Create a more accurate identification of systemic risk
Spur additional capital for small bank holding companies by modernizing the Federal Reserves policy statement
Relieve community banks from excessive Securities and Exchange Commission rules
Repeal the Collins Amendment for non-SIFIs
Address minority bank capital challenges
Regulatory Relief
Balance consumer regulation through more accountable Consumer Financial Protection Bureau governance
Eliminate arbitrary disparate impact fair lending lawsuits
Ensure the viability of mutual banks through new charter and capital options
Support rigorous cost-benefit analyses of all new rules to determine if they are justified and indeed needed
Modernize the Bank Secrecy Act (BSA)
Cut the red tape in small business lending by eliminating burdensome data collection
Target the Volker Rule on a banks individual risk
Preserve access to investment advice for middle-class savers
Mortgage Reform
Create a safe harbor from onerous underwriting standards
Establish relief from burdensome HMDA, escrow and appraisal requirements
Preserve the ability for community banks to continue servicing mortgage loans
Reform the closing process and accompanying paperwork
Bank Oversight and Examination
Strengthen accountability in bank exams and create a workable appeals process
Reform bank oversight and examination to better target risk
Tax Relief
Lower marginal rates needed for individuals, corporations and businesses
Incentivize credit for low- and middle-income customers and American agriculture 
Modernize Subchapter S constraints
Create limited liability corporation (LLC) option for community banks
Repeal the estate tax
Update the bank qualified (BQ) bond issuer limitation
Support a five-year loss carryback that encourages lending during economic downturns
Create a tax credit for Bank Secrecy Act (BSA) compliance costs
Agriculture and Rural America
Address arbitrary agricultural loan concentration limits
Institute tax relief for rural lending 

(House, Senate)


CBAI 2017 Federal Policy Priorities

Meaningful regulatory relief, together with tiered regulation and supervision for community banks, as contained in the Independent Community Bankers of Americas (ICBA) Plan for Prosperity - See above.

Regarding the implementation of regulatory initiatives -

Special purpose fintech national bank charters by the OCC to financial technology companies  

Financial Accounting Standards Board (FASB) Current Expected Credit Loss Model (CECL)

Consumer Financial Protection Bureaus (CFPB) proposed payday and vehicle title (small-dollar credit) lending rules

De novo bank formation, the dual banking system, and charter choice 

The issue of too-big-to-fail banks and financial firms - protect our financial system, economy and taxpayers from future bailouts -

Credible proposals to address TBTF and reduce the risks the mega banks poses to the financial system, economy and American taxpayers including those from: FDIC Vice Chairman Thomas Hoenig, Minneapolis Federal Reserve Chairman Neel Kashkari and Arthur Wilmarth - George Washington University Law School professor and a nationally recognized authority on bank regulation. These plans are in addition to a number of legislative proposals including a 21st century version of the original 1933 Glass-Steagall [separation of banking and commerce] Act.  
 
New Farm Bill and abolishing (or reigning-in) the Farm Credit System, crop insurance, USDA loan guarantee programs - volume caps and additional funding -
 
Expansionist agenda of the Farm Credit System (FCS), the benefits of their Government Sponsored Enterprise (GSE) status, funding and tax advantages of the FCS, direct competition with community banks, cheerleader regulator - Farm Credit Administration (FCA), blatant discrimination against rural community banks, following its narrow historic mission of serving bona fide farmers, ranchers, young-beginning farmers, small farmers, and their farmer-owned cooperatives, Joint House/Senate hearings, abolish or subject FCS to funding restrictions, taxation and rigorous oversight and regulation.  
 
Taxation of credit unions and their expansion of powers -
 
Outdated original business model, straying from their founding mission, ignoring field of membership or common bond requirement, now provide the same financial services as community banks, expansionist agenda, cheerleader regulator - National Credit Union Administration, justification for federal tax-exempt status, blatant discrimination against tax-paying community banks, eliminate subsidies or pay fair share of income taxes. 
 
Enhanced data, cyber and payment card security (data security) -
 
Wide-scale data security breaches at national retail chain stores and other entities, far-reaching and costly incidents resulting in reissuing credit and debit cards at a considerable cost.

Community banks defense against cyber security threats, their role in securing data and personal information as a matter of good business practice and to comply with legal and regulatory requirements.  

Data security principals include the cost of data breaches borne by that party that caused the breach, all participants should be subject to verifiable Gramm-Leach-Bliley Act-like data security standards, a national data security breach and notification standard should replace the current patchwork of state laws, and any new data security standard proposals should ensure that community banks are not burdened with having to reassess existing critical systems, and implement and comply with new regulations.  

Community banks reliance on third party service providers (core data processors and subcontractors of technology service providers for example), broadening the regulatory supervision of these service providers to ensure they comply with nondisclosure and confidentiality requirements similar to existing requirements for community banks. 
  
Mortgage lending and housing finance reform -
 
Community banks strength of their reputation, incentive to make fair and reasonable loans, and do not need prescriptive regulations to compel them to do what is right for their customers 
 
Community bank loans held in portfolio receiving automatic Qualified Mortgage (QM) status and an automatic exemption from escrow requirements for Higher-Priced Mortgage Loans (HPMLs),  increase in the small servicer exemption, increase in HMDA reporting levels, a safe harbor from the newly implemented TRID, accommodations for community banks to provide greater flexibility in serving the needs of their customers and communities, (particularly in rural areas, and urges expanding the definition of underserved areas to include economically challenged areas), use of property evaluations completed by qualified bank staff in lieu of a residential property appraisal for any residential mortgage that a community bank originates and retains in its portfolio. 
 
Regarding the reform of the housing GSEs, the continued existence of an impartial secondary market for residential mortgages that is financially strong and reliable, some level of government involvement in the secondary market to ensure the continued flow of credit and market liquidity during periods of severe economic stress, reform that does not limit the full participation by community banks or disrupts the housing market, encouraging a return of private capital to reduce the reliance on government funding and help protect taxpayers from another bailout, sale of loans through an independent entity that does not compete with community banks, no appropriation of community bank customer data for the purpose of cross selling financial services, the Federal Home Loan Banks preserved as a community bank access point (but not the only access point) to the national secondary market, the pricing of any governmental guaranty fair and equal to all participants regardless of volume of loans guaranteed, the 30-year fixed-rate mortgage for creditworthy customers in all markets, no further consolidation of the housing finance system that would result in mega banks and financial firms dominating the market. 
  
Consumer Financial Protection Bureau Reform -
 
The Consumer Financial Protection Bureau (CFPB) use of its statutory authority under the Dodd-Frank Act to exempt any class of providers [community banks] or any products or services from the rules it writes, focus of regulation of financial products on the mega banks and financial firms and the unregulated shadow financial industry, community bank flexibility to meet the unique needs of its customers, burdening community banks with additional and unnecessary regulatory requirements that could prevent them from serving their communities, a one-size-fits-all approach to CFPB regulations, influencing the marketplace behavior by targeting of financial institutions, products, services, practices deemed to be undesirable or inappropriate, replacing single-Director governance with a five-member commission, prudential regulators participation with the CFPB in the rule-writing process, and the Financial Stability Oversight Council (FSOC) power to veto CFPB rules.
 
Maintain the Federal Home Loan Bank System -
 
The regional structure, special functions and purposes of the FHLBs, the System remaining a financially sound, stable and reliable source of funding for its members, reliance upon it as the sole aggregator or securitizer of residential mortgages for community banks, the FHFA imposing an ongoing housing mission asset test on community financial institutions, rulemaking to restrict FHLB membership eligibility requirements.

(House, Senate) 


Legislation -

H.R. 10 - Financial CHOICE Act (financial regulations) (All Sections but particularly Title V, debit interchange, repeal of 10% cap on deposits/liabilities) (House)

H.R. 2890 - Housing Opportunity Mortgage Expansion Act (captive insurance company membership in the FHLBs) (All Sections) (House)

H.R. 2133 - Commercial Lending Enhancement and Regulatory Relief Act of 2017 (CLEARR Act of 2017) - (regulatory relief) (All Sections) (House)

S. 1002 - Commercial Lending Enhancement and Regulatory Relief Act of 2017 (CLEAR Relief Act of 2017) (regulatory relief) (All Sections) (Senate)


Comment Letters -   

Comment Letter - OCC - Summary of Comments and Explanatory Statement: Special Purpose National Banking Charters for Financial Technology Companies, and Licensing Manual Statement for Evaluating Charter Applications From Financial Technology Companies

Comment Letter - NCUA - Advanced Notice of Proposed Rulemaking for Supplemental Capital; Docket ID: NCUA-2017-0007; FR #2017-01713

Comment Letter - CFPB - Proposed Rule with Request for Comments - Home Mortgage Disclosure (Regulation C); CFPB-2017-0010 or RIN 3170-AA64 


Action Alerts -

Action Alert - Regarding NCUA alternative capital rules - Oppose credit union alternative capital rules

Action Alert - Regarding CLEAR Act - Urge Illinois congressional delegation to cosponsor the CLEAR Act. (H.R. 2133)
 

Miscellaneous -

OCC issuing special purpose national banking charters for financial Technology (fintech) companies (House and Senate)

CFPB small business data collection (upcoming proposal) (House)","Consumer Financial Protection Bureau (CFPB),HOUSE OF REPRESENTATIVES,Natl Credit Union Administration (NCUA),Office of the Comptroller of the Currency (OCC),SENATE",,55000,0,0,2017-07-14T14:20:20.443000-04:00
1987850,d5e13c3a-a1c4-463f-8ed9-afc13e7795b1,Q2,THE FRIEDLANDER GROUP,400535604,THE FRIEDLANDER GROUP,2017,second_quarter,BAN,"award Anwar Sadat with a Congressional Gold Medal, S.266 , H.R.754","HOUSE OF REPRESENTATIVES,SENATE",,,0,0,2017-07-14T15:27:31.473000-04:00
1987929,7613f44d-a468-46a3-ba4e-e8222d451021,2A,"MAGILL ASSOCIATES, LLC",401103511,"LIVINGSTON GROUP L L C ""ON BEHALF OF THE PEW CHARITABLE TRUSTS""",2017,second_quarter,BAN,The Consumer Financial Protection Board's (CFPB) proposed rulemaking on payday lending pursuant to its authority under sections 1031 and 1032 of the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act).  The CFPB's rule on prepaid cards.,"HOUSE OF REPRESENTATIVES,SENATE",30000,,0,0,2017-07-14T15:53:44.167000-04:00
1988061,51295e78-ce81-463f-8131-db5e31408641,Q2,"SIVON NATTER & WECHSLER, P.C. (FKA BARNETT SIVON & NATTER, P.C.)",5448,"CITIGROUP WASHINGTON, INC. (CWI)",2017,second_quarter,BAN,"Financial regulatory reform
Consumer financial protection
GSEs regulatory authority
Mortgage issues
Mortgage refinancing
Mortgage restructuring
Foreclosures
Credit cards","HOUSE OF REPRESENTATIVES,SENATE",30000,,0,0,2017-07-14T18:06:18.953000-04:00
1988062,4d77932d-6025-445c-bdf1-4c182d1ca376,Q2,"SIVON NATTER & WECHSLER, P.C. (FKA BARNETT SIVON & NATTER, P.C.)",5448,BANK POLICY INSTITUTE (FKA FINANCIAL SERVICES ROUNDTABLE),2017,second_quarter,BAN,"Financial regulatory reform
Consumer financial protection
GSEs regulatory authority
Mortgage issues
Mortgage refinancing
Mortgage restructuring
Foreclosures
Credit cards","HOUSE OF REPRESENTATIVES,SENATE",50000,,0,0,2017-07-14T18:10:22.247000-04:00
1988065,f38944ba-3716-4c7b-ad0e-9cb62bd60b04,Q2,"SIVON NATTER & WECHSLER, P.C. (FKA BARNETT SIVON & NATTER, P.C.)",5448,METROPOLITAN LIFE INSURANCE COMPANY,2017,second_quarter,BAN,"Systemic risk regulation
Insurance regulation","HOUSE OF REPRESENTATIVES,SENATE",30000,,0,0,2017-07-14T18:24:26.853000-04:00
1988068,1ff2078a-f34b-4863-9e1d-c5cfb57e4923,Q2,"SIVON NATTER & WECHSLER, P.C. (FKA BARNETT SIVON & NATTER, P.C.)",5448,MUTUAL OF OMAHA INSURANCE COMPANY,2017,second_quarter,BAN,"Financial regulatory reform
Insurance regulation","HOUSE OF REPRESENTATIVES,SENATE",,,0,0,2017-07-14T18:29:30.820000-04:00
1988073,90b8705c-539c-4d73-9b95-a172ce6ed5b0,Q2,RICH FEUER ANDERSON,84775,"AMAZON CORPORATE, LLC",2017,second_quarter,BAN,"Legislation affecting payments systems and cybersecurity.  Implementation of the ""Dodd-Frank Wall Street Reform and Consumer Protection Act,"" including provisions relating to debit interchange fees and H.R. 10, the ""Financial CHOICE Act of 2017.""","HOUSE OF REPRESENTATIVES,SENATE",40000,,0,0,2017-07-14T18:45:39.363000-04:00
1988180,2895cafb-a360-4857-9c80-0a605838e261,Q2,THE DUBERSTEIN GROUP INC.,12675,THE BANK OF NEW YORK MELLON,2017,second_quarter,BAN,"Implementation of Dodd-Frank (PL 111-203).

H.R.10 (Hensarling) - Financial CHOICE Act of 2017.

H.R.2121 (Rothfus) - Pension, Endowment and Mutual Fund Access to Banking Act.","HOUSE OF REPRESENTATIVES,SENATE",80000,,0,0,2017-07-15T14:52:33.487000-04:00
1988194,5d5bd8b1-af2b-44fa-b23a-c8f9e228c1cc,Q2,THE DUBERSTEIN GROUP INC.,12675,PROMONTORY INTERFINANCIAL NETWORK,2017,second_quarter,BAN,Legislation regarding bank deposits or the insurance of bank deposits.,"HOUSE OF REPRESENTATIVES,SENATE",100000,,0,0,2017-07-15T15:06:47.973000-04:00
1988255,e6dbea01-6e30-459c-a99a-b3f7433b3f5d,Q2,GEOFFREY P. GRAY,73635,FEDERAL HOME LOAN BANK OF DES MOINES (FORMERLY KNOWN AS SEATTLE/DES MOINES),2017,second_quarter,BAN,General issues related to the regulation of Government Sponsored Enterprises and the regulation of the Federal Home Loan Bank System.,"HOUSE OF REPRESENTATIVES,SENATE,Vice President of the U.S.",50000,,0,0,2017-07-16T13:13:31.850000-04:00
1988257,fcd0272c-6fbe-44d5-b2b7-ab8f9006e268,Q2,GEOFFREY P. GRAY,73635,REGIONS FINANCIAL CORP.,2017,second_quarter,BAN,"General issues related to reform of the Dodd-Frank Act, GSE reform and the future of housing finance, cybersecurity and privacy. Specific issues included: systemic regulation (draft proposals updating the ""Systemic Risk Designation Improvement Act of 2016"")(Luetkemeyer); HR 10, the ""Financial CHOICE Act of 2017"", Hensarling, issues related to capital, and debit card interchange repeal; and draft data security and breach legislation, issues related to enforcement and federal preemption.","HOUSE OF REPRESENTATIVES,SENATE,Vice President of the U.S.,White House Office",20000,,0,0,2017-07-16T13:44:35.257000-04:00
1988261,e9d8e370-fcde-4511-8728-e7d2acbb4e47,Q2,GEOFFREY P. GRAY,73635,ELECTRONIC PAYMENTS COALITION,2017,second_quarter,BAN,"General issues related to the payments system and related issues impacting financial institutions. Specific issues included: the Financial CHOICE Act (H.R. 10)(Hensarling), issues related to repeal of the Durbin debit card interchange price controls, and issues related to data security (Smucker amendment); and draft proposals on data security and breach notice.","HOUSE OF REPRESENTATIVES,SENATE",40000,,0,0,2017-07-16T13:57:42.417000-04:00
1988390,9726e07d-b239-4ef6-a342-c5830986fa08,Q2,CAPITOL LEGISLATIVE STRATEGIES LLC,400432093,JOHN T. O'ROURKE LAW OFFICES,2017,second_quarter,BAN,Proposed non-bank banking issues.  Issues related to allowing non-banks to conduct banking activities.,"HOUSE OF REPRESENTATIVES,SENATE",30000,,0,0,2017-07-17T08:48:31.313000-04:00
1988460,9eda73ae-e56e-499a-9fdd-bb5f76ea4ab7,Q2,PITNEY BOWES INC.,31598,PITNEY BOWES INC.,2017,second_quarter,BAN,General Banking / ILC legislation (not yet introduced).,"HOUSE OF REPRESENTATIVES,SENATE",,260000,0,0,2017-07-17T09:39:18.773000-04:00
1988522,5e69b115-9bdb-477a-af36-c32ac5e95a79,Q2,"WILLIAMS AND JENSEN, PLLC",41454,FEDERAL HOME LOAN BANK OF CINCINNATI,2017,second_quarter,BAN,GSE reform and Dodd-Frank. FHFA-Federal Home Loan Bank Membership.,"HOUSE OF REPRESENTATIVES,SENATE",20000,,0,0,2017-07-17T10:01:02.010000-04:00
1988532,1b4c6c1c-76d2-468b-93b4-ee8d7a1d6a2a,Q2,MCDERMOTT WILL & SCHULTE LLP,24338,AMERICAN COALITION FOR TAXPAYER RIGHTS,2017,second_quarter,BAN,"Legislation and regulation related to the provision or facilitation of tax services and related financial products, including S. 809 and H.R. 2018.  Addressing tax reform issues regarding personal income tax preparation and regulation.","Federal Reserve System,HOUSE OF REPRESENTATIVES,Internal Revenue Service (IRS),SENATE,Treasury, Dept of",40000,,0,0,2017-07-17T10:04:10.480000-04:00
1988554,f7770bb5-8da0-47cf-8730-89edbe69dfc9,Q2,MCDERMOTT WILL & SCHULTE LLP,24338,SANTA BARBARA TAX PRODUCTS GROUP,2017,second_quarter,BAN,"Legislation and agency regulation concerning tax time financial products, including but not limited to prepaid debit cards.","HOUSE OF REPRESENTATIVES,SENATE",,,0,0,2017-07-17T10:08:25.357000-04:00
1988637,2df13dc4-526a-4e47-833a-4ca249cf2463,Q2,"WHITMER & WORRALL, LLC",292892,PPG INDUSTRIES INC.,2017,second_quarter,BAN,Issues related to the Export-Import Bank quorum requirement and congressional oversight.,"HOUSE OF REPRESENTATIVES,SENATE",40000,,0,0,2017-07-17T10:29:25.483000-04:00
1988668,af151bf6-38db-4359-889b-840e5c1cf9aa,Q2,"WHITMER & WORRALL, LLC",292892,"UTC OVERSEAS, INC.",2017,second_quarter,BAN,Issues related to the Export-Import Bank quorum requirement and congressional oversight.,"HOUSE OF REPRESENTATIVES,SENATE,Transportation, Dept of (DOT),U.S. Agency for International Development (USAID)",10000,,0,0,2017-07-17T10:36:48.687000-04:00
1988692,c7e1aadd-569c-49d1-80c0-fabd28899963,Q2,"WILLIAMS AND JENSEN, PLLC",41454,HSBC - NORTH AMERICA,2017,second_quarter,BAN,"Bank regulation including structure, prudential regulation and resolution.","HOUSE OF REPRESENTATIVES,SENATE",50000,,0,0,2017-07-17T10:47:11.843000-04:00
1988777,0dfe48f1-2ab2-477e-8987-bc87b2bcb9df,Q2,ERIS GROUP,82055,COMMUNITY FINANCIAL SERVICES ASSOCIATION OF AMERICA,2017,second_quarter,BAN,"Legislation and regulation relating to short-term lending and payday lending.
Issues regarding payment processing for payday loans.
Issues relating to Operation Choke Point.
Issues relating to Consumer Financial Protection Bureau proposed rulemaking on payday and other short-term loans.
H.R. 10, Financial CHOICE Act of 2017, provisions relating to Consumer Financial Protection Bureau.","HOUSE OF REPRESENTATIVES,SENATE",97500,,0,0,2017-07-17T11:12:15.830000-04:00
1988839,8cbe7d5d-98f6-4d7c-aeda-3d4a247cc522,Q2,NORTH AMERICAN EQUIPMENT DEALERS ASSOCIATION (FORMERLY KNOWN AS EQUIPMENT DEALER,56997,NORTH AMERICAN EQUIPMENT DEALERS ASSOCIATION (FORMERLY KNOWN AS EQUIPMENT DEALER,2017,second_quarter,BAN,No lobbying performed on this issue.,"Bureau of Citizenship & Immigration Services (BCIS),Environmental Protection Agency (EPA),Executive Office of the President (EOP),HOUSE OF REPRESENTATIVES,Internal Revenue Service (IRS),Labor, Dept of (DOL),Natl Labor Relations Board (NLRB),SENATE,White House Office",,52809,0,0,2017-07-17T11:31:49.100000-04:00
1988873,f1f4cef4-94b8-4949-9579-4da08b8b6fc3,Q2,ERIS GROUP,82055,CROSS RIVER BANK,2017,second_quarter,BAN,"Issues that impact state-chartered banks that operate under Federal banking law, including financial technology proposals.
H.R. 10, Financial CHOICE Act of 2017, provisions affecting state-chartered banks.","HOUSE OF REPRESENTATIVES,SENATE",22500,,0,0,2017-07-17T11:36:05.413000-04:00
1988875,99527d0b-fa3b-414a-a027-11e0061259b9,Q2,SQUIRE PATTON BOGGS,30906,AMERICAN ASSOCIATION OF RESPONSIBLE AUTO LENDERS,2017,second_quarter,BAN,Issues related to Operation Chokepoint.,"HOUSE OF REPRESENTATIVES,SENATE",50000,,0,0,2017-07-17T11:36:06.833000-04:00
1988908,24b7afca-b572-41e1-aba3-5060e0dec50f,Q2,ERIS GROUP,82055,FEDERAL HOME LOAN BANK OF ATLANTA,2017,second_quarter,BAN,"Government-sponsored enterprise reform and its effect on federal home loan banks.
Housing finance reform.
Matters relating to specified recourse debt obligations of an eligible issuer (covered bonds) and their effect on federal home loan banks.
Federal Housing Finance Agency proposed rule on Federal Home Loan Bank membership.
H.R. 10, Financial CHOICE Act of 2017, provisions affecting federal home loan banks.","HOUSE OF REPRESENTATIVES,SENATE",60000,,0,0,2017-07-17T11:45:25.477000-04:00
1988932,54c89557-cf22-436c-bf89-c8c31961b9a3,Q2,ERIS GROUP,82055,GREEN DOT CORPORATION,2017,second_quarter,BAN,"Implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act relating to interchange fees for debit cards.
Bank Secrecy Act and anti-money laundering issues relating to prepaid payment cards.
Issues regarding fraud committed against the elderly.
Consumer Financial Protection Bureau proposed rule regarding prepaid cards.
Issues relating to tax refund fraud.
S.J.Res.19, providing for congressional disapproval of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts, all provisions.
H.J.Res. 62, providing for congressional disapproval of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts, all provisions.
H.J. Res. 73, providing for congressional disapproval of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts, all provisions.","HOUSE OF REPRESENTATIVES,SENATE",60000,,0,0,2017-07-17T11:47:39.947000-04:00
1989030,e209f153-abf5-465d-a19b-1e37ed709454,Q2,CAPSTONE NATIONAL PARTNERS,8214,MGIC,2017,second_quarter,BAN,GSE Reform,"HOUSE OF REPRESENTATIVES,SENATE",20000,,0,0,2017-07-17T12:16:01.417000-04:00
1989046,38a080d9-d499-4074-b500-267213797d63,Q2,ERIS GROUP,82055,MORTGAGE BANKERS ASSOCIATION,2017,second_quarter,BAN,"Government-sponsored enterprise reform.
Housing finance reform.
Transitional licensing for registered mortgage loan originators under the SAFE Act.
Federal Housing Finance Agency rule regarding membership standards for federal home loan banks.
Federal Home Loan Bank membership for mortgage real estate investment trusts.
H.R. 10, Financial CHOICE Act of 2017, provisions affecting mortgages and housing finance.
H.R. 2948, To amend the S.A.F.E. Mortgage Licensing Act of 2008 to provide a temporary license for loan originators transitioning between employers, all provisions.","HOUSE OF REPRESENTATIVES,SENATE",30000,,0,0,2017-07-17T12:24:12.260000-04:00
1989049,9b187953-7074-4ae8-baf8-4729b8ae4e7c,Q2,CAPSTONE NATIONAL PARTNERS,8214,"NATIONAL COOPERATIVE BANK, N.A.",2017,second_quarter,BAN,Monitor US House financial services and US Senate banking committee consideration of issues of concern to US co-ops,"HOUSE OF REPRESENTATIVES,SENATE",10000,,0,0,2017-07-17T12:25:15.073000-04:00
1989063,a3bfda83-6111-4c05-8c37-75977cc5e1a4,Q2,CAPSTONE NATIONAL PARTNERS,8214,CUNA MUTUAL GROUP,2017,second_quarter,BAN,Oversight of house financial services committee and Senate banking committee regarding legislative concerns of cooperatives,"HOUSE OF REPRESENTATIVES,SENATE",10000,,0,0,2017-07-17T12:29:25.777000-04:00
1989087,7768c267-3667-40ed-8138-66fe15341e0c,Q2,ERIS GROUP,82055,NATIONAL ASSOCIATION OF INDUSTRIAL BANKERS,2017,second_quarter,BAN,"Legislative activities dealing with implementation and compliance burdens under the Dodd-Frank Wall Street Reform Act & Consumer Protection Act (DFA) affecting industrial banks, industrial loan companies or Morris Plan Banks.
Application of the Volcker Rule to commercially-owned banks. 
FDIC approval process for insuring de novo banks.
Issues affecting brokered deposits.","HOUSE OF REPRESENTATIVES,SENATE",30000,,0,0,2017-07-17T12:37:43.527000-04:00
1989093,d9343de2-b463-4cf8-a130-e0f874315677,Q2,ERIS GROUP,82055,"PAYPAL, INC.",2017,second_quarter,BAN,"Implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act relating to debit card interchange fees.
Issues relating to mobile payments.
Issues relating to anti-money laundering and the Bank Secrecy Act generally.
Issues relating to cyber-security.
Consumer Financial Protection Bureau proposed rule on prepaid cards.
Issues relating to international remittances. 
Consumer Financial Protection Bureau rule concerning prepaid accounts.
S.J.Res.19, providing for congressional disapproval of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts, all provisions.
H.J.Res. 62, providing for congressional disapproval of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts, all provisions.
H.J. Res. 73, providing for congressional disapproval of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts, all provisions.
H.R. 1813, Border Wall Funding Act of 2017, all provisions.","HOUSE OF REPRESENTATIVES,SENATE",22500,,0,0,2017-07-17T12:42:49.747000-04:00
1989279,c94ba27c-4424-40c3-a306-448f97f9fdf4,Q2,SAFEWAY INC.,300173,SAFEWAY,2017,second_quarter,BAN,"H.R. 10, The Financial Choice Act of 2017, provisions related to debit swipe fee reforms.","HOUSE OF REPRESENTATIVES,SENATE",,80000,0,0,2017-07-17T13:51:32.467000-04:00
1989308,c9b9e8ab-674a-4710-ae9f-ab27f3e8e5ab,Q2,"ADVANCED POLICY CONSULTING, LLC",401103524,MANUFACTURED HOUSING INSTITUTE (MHI),2017,second_quarter,BAN,"H.R. 1699 ""Preserving Access to Manufactured Housing Act of 2017."" Senate/House Financial Services Appropriations Bill as it relates to Manufactured Housing provisions contained in H.R. 1699 ""Preserving Access to Manufactured Housing Act of 2017."" The ""Financial CHOICE Act"" as it relates to manufactured housing.","HOUSE OF REPRESENTATIVES,SENATE",20000,,0,0,2017-07-17T13:56:46.873000-04:00
1989383,62c9ca27-e153-459a-998a-b66396e4ed3e,Q2,ERIS GROUP,82055,SMALL BUSINESS FINANCE ASSOCIATION,2017,second_quarter,BAN,Issues Affecting financial technology and small business lending.,"HOUSE OF REPRESENTATIVES,SENATE",,,0,0,2017-07-17T14:15:46.780000-04:00
1989401,f5117948-f603-47e1-9b05-1ae802cf7ace,Q2,"JENKINS HILL CONSULTING, LLC",303575,AMERICAN FINANCIAL SERVICES ASSOCIATION,2017,second_quarter,BAN,Dodd Frank reform related legislation,"HOUSE OF REPRESENTATIVES,SENATE",25000,,0,0,2017-07-17T14:18:59.857000-04:00
1989417,ab1d6cb5-644f-4706-9c4d-103789361880,Q2,ERIS GROUP,82055,TRANSUNION CORP.,2017,second_quarter,BAN,"Providing greater access to protection under the Soldiers and Sailors Civil Relief Act to active duty service members.
Exempting nationwide consumer reporting agencies from certain provisions of the Credit Repair Organizations Act.
H.R. 435, The Credit Access and Inclusion Act of 2017, all provisions.
H.R. 898, Credit Score Competition Act of 2017, all provisions.
H.R. 2359, FCRA Liability Harmonization Act, all provisions.
Issues relating to the provision of credit monitoring to federal employees were subject to a data breach of the Federal government.","HOUSE OF REPRESENTATIVES,SENATE",24000,,0,0,2017-07-17T14:23:12.313000-04:00
1989520,23395562-81a1-4745-ba03-3289ae80e5a1,Q2,PUBLIC CITIZEN,32362,PUBLIC CITIZEN,2017,second_quarter,BAN,"Reed Proposal on SEC employee advocate, Dodd-Frank general defense, S 881/HR 2585-21st Century Glass-Steagall Act of 2017, HR 10-Financial Choice Act of 2017-Oppose, HR 797-Return to Prudent Banking Act of 2017, General financial reform issues, Promote good nominees to the SEC, CFTC, and other banking agencies.","Consumer Product Safety Commission (CPSC),Environmental Protection Agency (EPA),HOUSE OF REPRESENTATIVES,Labor, Dept of (DOL),Office of Management & Budget (OMB),Securities & Exchange Commission (SEC),SENATE,Small Business Administration (SBA)",,100000,0,0,2017-07-17T14:41:31.720000-04:00
1989550,cbde3bbb-363b-408c-b555-481f59964f23,Q2,NETWORK BRANDED PREPAID CARD ASSOCIATION,401103192,NETWORK BRANDED PREPAID CARD ASSOCIATION,2017,second_quarter,BAN,"I. Consumer Financial Protection Bureau:

a. Final Rule: Prepaid Accounts under the Electronic Fund Transfer Act (Regulation E) and the Truth 
   In Lending Act (Regulation Z); 

b. Proposed Rule with Request for Comment: Prepaid Accounts Under the Electronic Fund Transfer Act 
   (Regulation E) and the Truth in Lending Act (Regulation Z); Delay of Effective Date; 

c. U.S. Representative Scott Tipton (R-CO), H.R. 1801 (115th Congress) - To delay the effective 
   date of the final rule of the Bureau of Consumer Financial Protection titled Prepaid Accounts 
   under the Electronic Fund Transfer Act (Regulation E) and the Truth In Lending Act (Regulation 
   Z).

d. Amendments to Rules Concerning Prepaid Accounts Under the Electronic Fund Transfer Act 
   (Regulation E) and the Truth in Lending Act (Regulation Z)

II. FDIC 

a. Frequently Asked Questions on Identifying, Accepting, and Reporting Brokered Deposits. 

b. U.S. Representative Scott Tipton (R-CO), H.R. 6161 (114th Congress) - Protect Prepaid Accounts 
   Act of 2016.","Consumer Financial Protection Bureau (CFPB),HOUSE OF REPRESENTATIVES,SENATE",,70000,0,0,2017-07-17T14:45:47.190000-04:00
1989577,4c9cdd9f-b5ea-4413-b39c-d2c2adb09299,Q2,"PAYPAL, INC.",401103770,PAYPAL INC,2017,second_quarter,BAN,"Issues pertaining to mobile payment innovation
Issues related to underserved,underbanked and unbanked communities
Issues related to small business lending and access to capital, online and marketplace lending
Issues related to international remittances and money transfers
Issues related to consumer credit
Issues related to digital wallets and prepaid accounts","Commerce, Dept of (DOC),Consumer Financial Protection Bureau (CFPB),Federal Communications Commission (FCC),HOUSE OF REPRESENTATIVES,SENATE,Treasury, Dept of,U.S. Trade Representative (USTR)",,213100,0,0,2017-07-17T14:49:06.237000-04:00
1989624,6e35b944-3cb6-4ce2-8723-1a6a1a52da14,Q2,"MEHLMAN CONSULTING, INC.",284950,NATIONAL VENTURE CAPITAL ASSOCIATION,2017,second_quarter,BAN,"Policies to encourage and empower entrepreneurship, including streamlined regulations at the SEC.
Capital markets reforms to encourage more U.S. IPO's.","Executive Office of the President (EOP),HOUSE OF REPRESENTATIVES,SENATE",60000,,0,0,2017-07-17T14:53:25.503000-04:00
1989757,be595dc5-4bd1-4c58-9b14-4f1746f12cac,Q2,RICHARD F. HOHLT,18433,FIRST REPUBLIC BANK,2017,second_quarter,BAN,All legislation relating to the above issues.,"HOUSE OF REPRESENTATIVES,SENATE",15000,,0,0,2017-07-17T15:14:54.833000-04:00
1989895,0a479a70-a8e0-447a-a877-465da67c3806,Q2,RICHARD F. HOHLT,18433,"MOTION PICTURE ASSOCIATION OF AMERICA, INC.",2017,second_quarter,BAN,All legislation relating to the above issues.,"HOUSE OF REPRESENTATIVES,SENATE",7500,,0,0,2017-07-17T15:45:31.463000-04:00
1989910,2880da67-9c3c-4e60-8039-323069768cca,Q2,COUNCIL OF FHLBANKS,11060,COUNCIL OF FHLBANKS,2017,second_quarter,BAN,Housing finance reform; Dodd-Frank regulatory relief-CHOICE Act (H.R. 10); Dodd-Frank implementation; Basel III implementation; CFTC reauthorization legislation - identified banking products treatment for FHLBank advances; general FHLBank matters.,"Federal Deposit Insurance Corporation (FDIC),Federal Housing Finance Agency (FHFA),HOUSE OF REPRESENTATIVES,SENATE",,300000,0,0,2017-07-17T15:47:40.743000-04:00