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
2298051,987d7fc2-71fb-4f40-9a79-ef6698d5f3d5,Q2,"FONDA & ASSOCIATES, LLC",401105090,SENNE CONSULTING,2019,second_quarter,BAN,"We're tracking the implementation of HVCRE (High Volatility Commercial Real Estate) issues, which is a banking policy run by the FDIC and the Federal Reserve.",,22500,,0,0,2019-06-18T18:00:13.773000-04:00
2298135,93949a1e-5964-46d1-a7d7-87d94b777306,Q2,THE AMERICAN INSTITUTE OF AERONAUTICS AND ASTRONAUTICS,2627,THE AMERICAN INSTITUTE OF AERONAUTICS AND ASTRONAUTICS,2019,second_quarter,BAN,"Endorsement of the Hidden Figures Congressional Gold Medal Act (H.R. 1396, S. 590)","HOUSE OF REPRESENTATIVES,SENATE",,10000,0,0,2019-06-25T13:18:36.960000-04:00
2298358,cae5de63-d5a4-45e9-bded-9878063d16a7,Q2,"NACHA, THE ELECTRONIC PAYMENTS ASSOCIATION",401103937,"NACHA, THE ELECTRONIC PAYMENTS ASSOCIATION",2019,second_quarter,BAN,"Faster Payments, ACH Network, Federal Reserve role in faster payments","HOUSE OF REPRESENTATIVES,SENATE",,8700,0,0,2019-07-01T10:09:18.573000-04:00
2298359,6c6756ea-8b80-46a8-8dc5-82aed52273b0,Q2,"MORRISON & FOERSTER, LLP",25897,AMERICAN BANKERS ASSOCIATION,2019,second_quarter,BAN,"Privacy, cybersecurity and breach notification","HOUSE OF REPRESENTATIVES,SENATE",50000,,0,0,2019-07-01T10:18:20.153000-04:00
2298544,3f813656-f1c5-4923-82df-41808c0eab35,Q2,RICH FEUER ANDERSON,84775,APPRAISAL INSTITUTE,2019,second_quarter,BAN,"Regulation of appraisers, including modernization of regulatory structure.","HOUSE OF REPRESENTATIVES,SENATE",30000,,0,0,2019-07-01T17:31:38.170000-04:00
2298646,a9988b6e-1e70-428d-9ec8-30cd14f30caa,Q2,"ALLON ADVOCACY, LLC",401104657,YODLEE INC.,2019,second_quarter,BAN,Financial data aggregation; Section 1033 of the Dodd-Frank Wall Street Reform and Consumer Protection Act; H.R. 6789 in the 115th Congress; OCC third-party vendor risk management FAQs.,"Consumer Financial Protection Bureau (CFPB),Federal Deposit Insurance Corporation (FDIC),Federal Reserve System,Federal Trade Commission (FTC),HOUSE OF REPRESENTATIVES,Labor, Dept of (DOL),Office of the Comptroller of the Currency (OCC),Securities & Exchange Commission (SEC),SENATE,Treasury, Dept of",70000,,0,0,2019-07-02T10:31:37.030000-04:00
2298649,758563e5-f88f-4965-971a-469f7d1de9e1,Q2,"ALLON ADVOCACY, LLC",401104657,ACHIEVE,2019,second_quarter,BAN,Issues related to consumer unsecured debt settlement and marketplace lending,"Consumer Financial Protection Bureau (CFPB),Federal Deposit Insurance Corporation (FDIC),Federal Reserve System,Federal Trade Commission (FTC),HOUSE OF REPRESENTATIVES,Office of the Comptroller of the Currency (OCC),SENATE,Treasury, Dept of",80000,,0,0,2019-07-02T10:34:38.547000-04:00
2298653,c1c391b0-e428-4a8f-ab04-6c33a5fad620,Q2,"ALLON ADVOCACY, LLC",401104657,"FINANCIAL DATA AND TECHNOLOGY ASSOCIATION, FORMERLY FIN'L DATA & TECH'Y ASS'N NA",2019,second_quarter,BAN,"Implementation of an open banking regime in the United States; application of existing regulatory structure, including Regulation E, on consumer-permissioned aggregation; application of the Fair Credit Reporting Act on consumer-permissioned financial transaction data; H.R. 6789 in the 115th Congress.","Commerce, Dept of (DOC),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",30000,,0,0,2019-07-02T10:36:40.233000-04:00
2298848,ef674f72-a60d-4b59-9c19-cb39beebf4e1,Q2,RICH FEUER ANDERSON,84775,GENWORTH FINANCIAL INC,2019,second_quarter,BAN,Housing finance reform and operation of the Federal Housing Administration and the Federal government-sponsored housing enterprises.,"HOUSE OF REPRESENTATIVES,SENATE",30000,,0,0,2019-07-02T13:56:03.743000-04:00
2298885,61fef12b-334c-4df1-b454-b8ac0af81a08,Q2,RICH FEUER ANDERSON,84775,MELLON FINANCIAL SERVICES CORPORATE #1 (FORMERLY BANK OF NEW YORK MELLON CORP.),2019,second_quarter,BAN,"Legislation and regulation affecting custody banking, including implementation of S.2155, the ""Economic Growth, Regulatory Relief, and Consumer Protection Act.""","HOUSE OF REPRESENTATIVES,SENATE",50000,,0,0,2019-07-02T15:15:29.923000-04:00
2298887,15e36be0-5cdd-40ac-a229-645b79f93e82,Q2,RICH FEUER ANDERSON,84775,LONDON STOCK EXCHANGE GROUP PLC,2019,second_quarter,BAN,"Regulation of securities indices, regulation of derivative instruments, regulation and capitalization of clearinghouses, and protection of customer assets.","HOUSE OF REPRESENTATIVES,Securities & Exchange Commission (SEC),SENATE",60000,,0,0,2019-07-02T15:17:31.440000-04:00
2299194,32b28e05-7740-4966-998b-0fe80f573843,Q2,THE WILLIAMS GROUP,401104049,NATIONAL BANKERS ASSOCIATION,2019,second_quarter,BAN,Increasing the federal governments participation in Treasurys Minority Bank Deposit Program,"HOUSE OF REPRESENTATIVES,SENATE",7500,,0,0,2019-07-03T11:27:05.770000-04:00
2299272,abcf7ebc-b669-4496-a71e-94d9c4c5a54f,Q2,"REPUBLIC CONSULTING, LLC",401016871,WORKIVA,2019,second_quarter,BAN,Financial Transparency Act and Use of machine readable data in government reports.,"HOUSE OF REPRESENTATIVES,Securities & Exchange Commission (SEC),SENATE,Treasury, Dept of",60000,,0,0,2019-07-03T12:53:40.373000-04:00
2299281,23e9ca17-36c3-446f-93cf-7b4338951969,Q2,KASASA,400991824,KASASA,2019,second_quarter,BAN,Community Banking:  ensuring community banks and credit unions have access to the external resources they need to successfully compete against our country's large national banks.,"Consumer Financial Protection Bureau (CFPB),Federal Deposit Insurance Corporation (FDIC),HOUSE OF REPRESENTATIVES,Office of the Comptroller of the Currency (OCC),SENATE",,15000,0,0,2019-07-03T13:11:45.797000-04:00
2299285,35140dc6-2f3b-4b9a-aa0a-9e1f19704bee,Q2,"REPUBLIC CONSULTING, LLC",401016871,MORTGAGE BANKERS ASSOCIATION,2019,second_quarter,BAN,Issues related to GSE Reform and affordable housing.,"Executive Office of the President (EOP),HOUSE OF REPRESENTATIVES,Housing & Urban Development, Dept of (HUD),Labor, Dept of (DOL),SENATE,Treasury, Dept of",40000,,0,0,2019-07-03T13:15:49.173000-04:00
2299416,20626f27-187e-4478-84c3-a282d7dec3e1,Q2,MARSHALL BRACHMAN,6848,LOCKHEED MARTIN AERONAUTIC SECTOR,2019,second_quarter,BAN,support defense financing provisions,"HOUSE OF REPRESENTATIVES,SENATE",27775,,0,0,2019-07-03T17:16:54.030000-04:00
2299420,18a22b77-8dd7-448d-a783-81e464ca5643,Q2,MARSHALL BRACHMAN,6848,ZIONS BANCORP,2019,second_quarter,BAN,"support Congressional efforts to reform FASB CECL regulations
support Congressional efforts to require large credit unions to become taxable","HOUSE OF REPRESENTATIVES,SENATE",24000,,0,0,2019-07-03T17:19:55.013000-04:00
2299529,784658a3-5668-4f9a-914d-97529a47e087,Q2,"KABBAGE, INC.",401104099,"KABBAGE, INC.",2019,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 regulatory action or Congressional action via CFPB's Dodd-Frank 1033 process and the IRS Data Verification Modernization Act of 2016 (McHenry and Booker) and H.R.1957 - the Taxpayer First Act of 2019.
3. Educate the OCC, and CFPB on an ""Open Banking Environment"" (Dodd-Frank Sec. 1033 compared to international systems like the U.K.) so small business customers may share their financial data through permission-based APIs with third-party FinTech platforms. 
4. Discuss federal ""FinTech Sandboxes"".","Consumer Financial Protection Bureau (CFPB),Federal Deposit Insurance Corporation (FDIC),Federal Reserve System,Federal Trade Commission (FTC),HOUSE OF REPRESENTATIVES,Natl Economic Council (NEC),Office of the Comptroller of the Currency (OCC),SENATE,Treasury, Dept of",,90000,0,0,2019-07-05T11:19:13.157000-04:00
2299665,7c91e0cd-9837-4e8c-8063-d4717f6388fb,Q2,VAN FLEET ASSOCIATES,39781,"FULL SPECTRUM OMEGA, INC.",2019,second_quarter,BAN,Reclassification of cannabis under the Control Substance Act;  Access to medical cannabis by Veterans,"Food & Drug Administration (FDA),HOUSE OF REPRESENTATIVES,SENATE,White House Office",16000,,0,0,2019-07-05T15:55:26.970000-04:00
2299929,267bb9fa-5fff-422e-9852-b36d7ca183fc,Q2,M&T BANK CORPORATION,401104858,M&T BANK CORPORATION,2019,second_quarter,BAN,CECL; payments systems; The COUNTER Act; Small business lending; The SAFE Banking Act; other banking regulations.,"HOUSE OF REPRESENTATIVES,SENATE",,60000,0,0,2019-07-08T14:10:48.027000-04:00
2300021,48f68c1b-0ce8-4b04-a1a4-fa2b217e0c16,Q2,COMMUNITY BANKERS ASSOCIATION OF ILLINOIS,400531588,COMMUNITY BANKERS ASSOCIATION OF ILLINOIS,2019,second_quarter,BAN,"Federal Policy Priorities - 2019 

The Community Bankers Association of Illinois (CBAI) supports fair competition for financial services, tiered regulation, the separation of banking and commerce, the dual banking system/charter choice, and financial innovation; and opposes discrimination favoring certain financial service providers, banking industry consolidation and systemic risk. 

The Independent Community Bankers of Americas legislative and regulatory agenda contained in their Community Focus 2020: The Community Bank Agenda for Expanding Economic Opportunity proposes a more efficient system of regulation, unbiased laws governing the financial sector, a safer and more secure business environment, and more efficient agricultural policies to extend the nations economic growth to every corner of the country.

The swift implementation of the remaining regulatory relief provisions for community banks - consistent with Congressional intent - contained the Economic Growth, Regulatory Relief and Consumer Protection Act (S. 2155) which became law in May of 2018.

The passage of additional meaningful regulatory relief for community banks including modernizing the Bank Secrecy Act (BSA)/Currency Transaction Report (CTR) threshold/Suspicious Activity Report (SAR) threshold. Also, data for the new beneficial ownership reporting requirements should be collected and verified by the appropriate federal/state government agencies when a legal entity is formed or when subsequent changes occur. 

Credit unions and Farm Credit System (FCS) lenders have long-since strayed from their founding purposes, blatantly abusing their competitive advantages. This blatant and continuing discrimination against community banks must end. Either the credit union and FCS competitive advantages must be reined-in or there must be tax credits or deductions for community banks lending to small businesses, farmers and ranchers, homebuyers, and low- and middle-income individuals. These changes in the tax code would help sustain and strengthen community bank lending and would begin to offset the competitive advantage enjoyed by tax-exempt credit unions and FCS lenders.

The United States payments system (System), which is the very foundation of our financial services and economy, must be modernized to meet the demands of consumers and to keep pace with the rest of the world. System improvements must not be dominated by the largest banks and financial firms or private-sector non-banks. Community banks, small businesses and consumers must rely on the Federal Reserve to provide access to a safe and secure payments system which requires the Federal Reserve to continue to play a preeminent role in the Systems improvement.

The Community Reinvestment Act (CRA) needs to be updated to incorporate new financial products and services delivered in modern ways. Community banks have traditionally excelled in the performance of their CRA compliance and examinations. The modernization of the CRA must enhance the ability of community banks to serve their communities and must not impose any additional regulatory burden. All financial service providers must be subject to the CRA to provide a complete picture of financial institutions performance in serving their communities - including credit unions, Farm Credit System lenders and Fintechs (including the OCCs Special Purpose National Banks).

The Federal Deposit Insurance Corporation (FDIC) Deposit Rate Caps (Rate Caps) impact community banks ability to grow and thrive. The flaws in how the Rate Caps are calculated include: not reflecting competitive funding or investment opportunities; the largest banks extensive branch networks and their too-big-to-fail subsidies have an outsized influence on the Rate Caps; promotional and negotiated rates are excluded which present an incomplete picture of the deposit-rate landscape; and credit unions are omitted which wrongly ignores thousands of financial institutions that are similar to community banks. Also, during safety and soundness examinations for well capitalized banks, FDIC examiners are using the flawed Rate Caps as a benchmark in the analysis of bank liquidity, which inevitably results in faulty conclusions that can impact liquidity in a banks CAMELS rating.

Without taking a position on the legalization of cannabis, it is a matter of public safety to have a safe harbor from federal sanctions for financial institutions that choose to serve legally-compliant cannabis-related business in states where cannabis is legal. 

Newly chartered (de novo) community banks are vitally important to maintaining a strong, growing, evolving and vibrant banking profession in the face of industry consolidation. The Federal Deposit Insurance Corporation (FDIC) has indicated a change in direction to finally get back on the right course. These encouraging signs must be closely monitored to assure that many new banks are chartered each year to help maintain the vitality of the community banking profession.

Hand in hand with renewed de novo bank formation is the importance of maintaining the dual banking system, which has served our nation well for over 150 years, where chartering and supervision is divided between the federal government and the states.  Community banks should be able to choose the banking charter that best fits their unique business model.  A banking system with multi-agency (state and federal) regulators and charter choice provides the necessary checks and balances on the immense power of the regulators, as well as improved rulemaking - as the benefit of each agencies expertise and experience is brought to bear on complex and controversial issues. 

The reform of the housing GSEs remains critically important to the future of the housing market and the U.S. economy. American homeowners have benefited from the critical role Fannie Mae and Freddie Mac have played in helping finance homeownership for many decades. The GSEs have provided a steady, reliable source of funding for home mortgage lending through all economic cycles and in all markets. Community banks depend on the GSEs for direct access to the secondary market without having to sell their loans through larger financial institutions that compete with them. The GSEs allow community banks to retain the servicing of the loans they sell, which helps to keep delinquencies and foreclosures low. And, unlike other private investors or aggregators, the GSEs have a mandate to serve all markets at all times which is critical to maintaining liquidity when the markets are experiencing financial stress.

Most community banks are members and shareholders of their regional Federal Home Loan Bank (FHLB). The FHLBs provide short-term liquidity, long-term funding, mortgage-related products, and other financial services in order to help their members provide affordable credit to the local communities they serve. The regional structure, special functions and unique purpose of the FHLBs must be recognized and maintained by the Federal Housing Finance Agency (FHFA). As the Administration and Congress consider reforming the housing finance system, care must be taken not to harm the FHLBs. They must remain healthy, stable and reliable sources of funding for their members . However, given their unique relationship with thousands of community lenders, it may be appropriate for the FHLBs to support their members secondary market activities as aggregators or guarantors for residential mortgage loans, provided their current ability to serve their members is not impeded or threatened. Additionally, the FHFA should not impose an ongoing housing mission asset test on FHLB membership, which would undermine the reliability of FHLB funding. 

A vibrant agricultural and rural economy is vital to Americas prosperity.  The multi-year Farm Bill provided a strong safety net for farmers and ranchers including adequate price-protection programs and enhanced USDA-guaranteed farm and business loan programs. These programs must be protected from further cuts or adverse changes that would discourage farmer and rancher participation or undermine private-sector delivery. 

Community banks are strong guardians of the security and confidentiality of their customers information and are on the frontline of defending against cyber security threats. Core data security principals in legislation and regulations must include the complete cost of data breaches being borne by that party that caused the breach; all participants in the payment system 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, only to achieve the same superior results they currently attain.

Regulations promulgated by the Consumer Financial Protection Bureau CFPB must provide community banks with the flexibility to meet the needs of its customers and they must not be burdened with additional and unnecessary regulatory requirements that would prevent them from serving their customers and communities.  A one-size-fits-all approach to CFPB regulations harms the successful community bank business model. The CFPB should not be unduly influencing marketplace behavior by targeting financial institutions, products, services, and practices which it deems to be undesirable or inappropriate regardless of what consumers want. 

In reforming the CFPB, the single Director governance should be replaced by a five-member board or commission; a broader definition of firms that grant credit should be subject to the CFPB rules, they should be robustly supervised and examined; and the focus of any enhanced regulation of financial products should be on the mega banks and financial firms, the unregulated shadow financial industry and emerging Fintech companies. 

The CFPB, in the Dodd-Frank Act (Section 1022(b)(3)(A), has the statutory authority to exempt any class of providers [community banks] or any products or services from the rules it writes, but to-date the Bureau has been far too reticent to do so.  The effective use of this authority will ensure community banks continue to be a healthy alternative to large banks and non-banks for consumers seeking to use responsible financial service providers.

The Office of Comptroller of the Currency (OCC) intends to issue special purpose national banking charters to Fintech companies. The OCCs intentions, however, raise many concerns. The very legal authority permitting the OCC to charter Fintechs has been challenged by the Conference of State Bank Supervisors (CSBS) as being fatally flawed.  A single regulator acting unilaterally in the chartering, examining, supervising and regulating Fintechs is not in the best interests of the profession, consumers and the economy. Congress must provide the explicit statutory authority to charter Fintechs. If the OCC moves forward, it must guarantee that Fintechs will comply with all banking laws, rules and regulations, and that they be held to the same rigorous safety and soundness standards (e.g., supervision and regulation) that are currently being required of community banks and bank holding companies. Fintechs cannot have the advantages of a national bank charter with limited requirements, regulations and liability.  

The Financial Accounting Standards Board (FASB) has approved significant revisions to the way community banks reserve for their loan losses (i.e., the Current Expected Credit Loss (CECL) Model). After significant community banker input, FASB agreed to address community banker concerns and revised their Model proposal. The revised CECL is more flexible and scalable for community banks by allowing them to evaluate and adjust loan loss amounts using qualitative factors, historic losses, and their current operating systems such as spreadsheets, narratives and other noncomplex estimation methods. Community bankers and Congress must continue to be vigilant to assure the Model implementation provides a clear, practical and easy-to-use methodologies for calculating expected losses which can be seamlessly incorporated into existing processes for community banks.

There is an emerging threat to the security of consumer data from the proliferation of companies seeking to access bank customer account information (i.e., customer data sharing). The Consumer Financial Protection Bureau (CFPB) is responsible under the Dodd-Frank Act to promulgate this rule. While community banks support responsible innovation in financial products and services, the integrity of consumer data and privacy is only as strong as the weakest link. Community banks are financially sound and take great care in protecting consumer privacy, but non-bank entities are typically not well capitalized, have no significant assets and are financially unable to make restitution in the event of a loss. They must none-the-less be held responsible for ensuring the safety of the customer information they are accessing and be able to satisfy the liability for any financial harm which they cause community banks and their consumers.

The Consumer Financial Protection Bureaus (CFPB) small-dollar lending rule was intended to address its concerns about consumer abuse caused by payday and vehicle title lenders.  The proposed rule was too broadly drafted and would have ensnared sensible community bank small-dollar consumer lending. Some exemptions were granted for community banks after a burdensome rulemaking process. Subsequently, the new CFPB Director proposed eliminating the underwriting provision, and the delay in the payment provision was continued by a U.S. District Judge. A carefully monitoring and appropriate action will be required, as the implementation of the rule unfolds, to minimize any negative impact on community banks small-dollar consumer lending. 

While community banks represent less than 20% of banking industry assets, they make 60% of the small business loans and 80% of agricultural loans. The requirement for reporting small business data collection stems from Section 1071 of the Dodd-Frank Act and is meant to facilitate the enforcement of fair lending laws in small business lending. The data, however, clearly suggests fair lending is not a problem at community banks as they treat their customers honestly and fairly. The regulatory burden of the collection and reporting requirements fall disproportionately hard on community banks that lack scale and compliance resources, and Section 1071 should either be repealed or community banks should be provided with a meaningful exception.

Fraud losses are increasing at community banks and Reg CC needs to keep pace with the technology that banks and their customers are using, both now and particularly as the payments system transitions to real-time. All banks, credit unions, and others who utilize the payments system should be operating on the same level playing field when it comes to return reasons for fraud and acknowledging and communicating about fraud.

The recent financial crisis, taxpayer bail-outs and subsequent recession was caused by the misconduct of the nations largest banks and financial firms (Too-Big-To-Fail Banks and Financial Firms). The Dodd-Frank Act was intended to reign-in their destructive behavior. Unfortunately, this was an inadequate legislative and regulatory response which has allowed these financial behemoths to grow in size, complexity and influence; they will continue to abuse their consumers; and they remain a significant threat to our financial system and economy. These megabanks have proven, at great cost to American taxpayers, that they cannot be effectively managed, supervised or disciplined. They are clearly too-big-to-change, too-big-to-fail and must be downsized.
(House, Senate, FDIC)

Legislation -

Potential legislation to increase private investment limits on banks investing in SBICs from 5% of total capital and surplus to 15% of total capital and surplus (Senate) 

Potential reintroduction in the 116th Congress, of the 115th Congress S. 378 (Access to Business Credit Act of 2018), to exclude from gross income certain banks interest received on small business loans of up to $5 million (Senate)

Safe and Fair Enforcement Banking Act of 2019 (S. 1200) - provides a safe harbor for banks which provide financial services to legal cannabis-related business (Senate) 


Letters -

Comment Letter to the OCC, Federal Reserve and the FDIC regarding the Regulatory Capital Rule: Capital Simplification for Qualifying Community Banking Organizations [Community Bank Leverage Ratio (CBLR)] - OCC Docket ID OCC-2018-0040, Federal Reserve Docket No. R-1638, FDIC RIN 3064-AE91 (OCC, Federal Reserve and the FDIC)


Action Alerts -

Action Alert regarding raising coverage thresholds for collecting and reporting data about closed-end mortgages under the Home Mortgage Disclosure Act (HMDA) to 100 loans and making permanent the 500 open-end lines of credit threshold instead of reverting back to 200 in 2022 (CFPB)

Action Alert regarding tax-exempt credit unions purchasing taxpaying community banks (House and Senate)","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",,60000,0,0,2019-07-08T16:31:27.687000-04:00
2300056,51f70c48-af94-4974-a127-b425f2f79d83,Q2,CHENEY STRATEGIES LLC,401105314,CBC NATIONAL BANK MORTGAGE,2019,second_quarter,BAN,Issues affected by FHA down payment assistance programs.,"HOUSE OF REPRESENTATIVES,SENATE",5000,,0,0,2019-07-08T23:29:47.133000-04:00
2300168,99d6baa6-4655-4cbb-90e0-0d9cbe918893,Q2,"MAGILL ASSOCIATES, LLC",401103511,MOUNTAIN WEST CREDIT UNION ASSOCIATION,2019,second_quarter,BAN,"Legislation and regulations affecting credit unions, including the credit union tax exemption and regulatory relief for credit unions.","HOUSE OF REPRESENTATIVES,SENATE",20000,,0,0,2019-07-09T11:22:03.313000-04:00
2300216,a84ba8be-6929-4eaa-ab08-11239adc0cd6,Q2,PHILIP BECHTEL,284356,COUNCIL OF FEDERAL HOME LOAN BANKS,2019,second_quarter,BAN,Housing finance reform; general Federal Home Loan Bank matters,"Federal Deposit Insurance Corporation (FDIC),Federal Housing Finance Agency (FHFA),HOUSE OF REPRESENTATIVES,SENATE",30000,,0,0,2019-07-09T11:58:24.787000-04:00
2300241,95286fda-0c12-4891-9f58-a354672e3ee0,Q2,COMMERCE BANK,400728185,COMMERCE BANK,2019,second_quarter,BAN,"Marijuana Banking, CECL, arbitrary regulatory thresholds","HOUSE OF REPRESENTATIVES,SENATE",,,0,0,2019-07-09T12:46:40.927000-04:00
2300361,e699c3bf-053c-4a91-a53a-d11b63323822,Q2,MCDERMOTT WILL & SCHULTE LLP,24338,AMERICAN COALITION FOR TAXPAYER RIGHTS,2019,second_quarter,BAN,Legislation and regulation related to the provision or facilitation of tax services and related financial products. 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",60000,,0,0,2019-07-09T14:36:51.253000-04:00
2300457,34907bb1-22c3-461d-8c6a-ee02adc14f67,Q2,MCDERMOTT WILL & SCHULTE LLP,24338,"INFRA-BK, LLC",2019,second_quarter,BAN,Creating a national infrastructure bank.,"HOUSE OF REPRESENTATIVES,SENATE",60000,,0,0,2019-07-09T15:35:46.523000-04:00
2300503,d93bb88a-c525-43cc-9feb-eee1158df045,Q2,MCDERMOTT WILL & SCHULTE LLP,24338,SANTA BARBARA TAX PRODUCTS GROUP,2019,second_quarter,BAN,"Legislation and agency regulation concerning tax time financial products, including but not limited to prepaid debit cards.","HOUSE OF REPRESENTATIVES,SENATE",,,0,0,2019-07-09T16:24:11.030000-04:00
2300512,28f5f26c-5a23-4315-a852-35d4fa2d2626,Q2,UNION HOME MORTGAGE CORP,401105274,UNION HOME MORTGAGE CORP,2019,second_quarter,BAN,"Met with members of Senator Sherrod Brown's staff to discuss GSE reform and consumer privacy (no bill numbers). Met with the CFPB to discuss a variety of regulatory topics (ATR/QM, complaints, TRID, privacy, FDCPA). Met with Congressman Anthony Gonzalez and his staffer, Stephen Hostelley. This meeting was more of a meet and greet where I introduced the Congressman to Union Home Mortgage as the company is headquarted in his district. Additional meetings held with staff members at Mortgage Banker's Association where we discussed members that UHM should meet with.","HOUSE OF REPRESENTATIVES,SENATE",,10000,0,0,2019-07-09T16:29:13.937000-04:00
2300514,0c02d9aa-78dc-4d53-813d-4c617e9fbab4,Q2,FLORIDA BANKERS ASSOCIATION,305511,FLORIDA BANKERS ASSOCIATION,2019,second_quarter,BAN,"BSA/AML
Regulatory Relief","HOUSE OF REPRESENTATIVES,SENATE",,,0,0,2019-07-09T16:38:16.487000-04:00
2300585,ddba9061-16d0-4c90-87a1-498c3111e6bb,Q2,RICH FEUER ANDERSON,84775,REFINITIV,2019,second_quarter,BAN,"Modernization of anti-money laundering, terrorist financing and data security legislation.","HOUSE OF REPRESENTATIVES,SENATE",30000,,0,0,2019-07-09T17:56:52.323000-04:00
2300587,5301b327-bec8-434f-8113-9dc5d7df9064,Q2,"COBANK, ACB",9738,COBANK ACB,2019,second_quarter,BAN,"H.R. 1595(S1200), the Secure and Fair Enforcement Banking Act of 2019 (the SAFE Act)","Agriculture, Dept of (USDA),Farm Credit Administration,Federal Communications Commission (FCC),HOUSE OF REPRESENTATIVES,SENATE,U.S. Trade Representative (USTR)",,270000,0,0,2019-07-09T17:59:53.337000-04:00
2300827,7e5c9d02-701f-45c2-92b5-8bfe9582b468,Q2,BAILEY & EHRENBERG PLLC,400279340,"GLOBAL HERITAGE ALLIANCE, INC.",2019,second_quarter,BAN,Proposal to require art and antiquities dealers to comply with AML regulations under the Bank Secrecy Act.  This issue is being discussed by House Financial Services.  There is no bill number as yet.,"HOUSE OF REPRESENTATIVES,SENATE,State, Dept of (DOS),U.S. Trade Representative (USTR)",9000,,0,0,2019-07-10T11:17:23.037000-04:00
2301048,f4410107-fa81-4189-9370-24c4c27cc8c8,Q2,THE DLM GROUP,313794,"GLOBAL HERITAGE ALLIANCE, INC.",2019,second_quarter,BAN,"Congressional and Executive Branch activities involving Commerce, of cultural items, lobbying issues and agencies arena.

Possible issue with potential AML legislation impacting the art trade.","Bureau of Indian Affairs (BIA),Homeland Security, Dept of (DHS),HOUSE OF REPRESENTATIVES,Interior, Dept of (DOI),Justice, Dept of (DOJ),SENATE,State, Dept of (DOS),U.S. Customs & Border Protection,U.S. Immigration & Customs Enforcement (ICE)",10000,,0,0,2019-07-10T15:15:28.187000-04:00
2301074,e516f19f-fbe1-4080-9452-e88a5fc5d620,Q2,RICH FEUER ANDERSON,84775,BLACKROCK FUNDS SERVICES GROUP LLC (FORMERLY BLACKROCK CAPITAL MANAGEMENT INC.),2019,second_quarter,BAN,"Regulation of asset managers as systemically important financial institutions.  Regulation of money market funds, including S.733, the ""Consumer Financial Choice and Capital Markets Protection Act of 2019.""","HOUSE OF REPRESENTATIVES,SENATE",80000,,0,0,2019-07-10T15:33:50.947000-04:00
2301317,f95f56d7-7c10-48d2-ab13-4678719b755c,Q2,CROSSSTATE CREDIT UNION ASSOCIATION,31075,CROSSSTATE CREDIT UNION ASSOCIATION,2019,second_quarter,BAN,"regulatory reform, reg d, data security, taxation, cannabis banking","HOUSE OF REPRESENTATIVES,SENATE",,,0,0,2019-07-11T10:35:24.383000-04:00
2301421,9cd7f2e5-4b79-454b-b11b-41b6f82f0760,Q2,HSBC TECHNOLOGY AND SERVICES USA INC.,18694,HSBC TECHNOLOGY AND SERVICES USA INC.,2019,second_quarter,BAN,"Issues related to the regulation of large financial institutions, the Volcker Rule, Inter-affiliate margin requirements, cross-border requirements, capital, stress testing and resolution;
Monitored implementation of Public Law 115-174, the Economic Growth, Regulatory Relief and Consumer Protection Act specifically regulatory proposals to modify enhanced prudential standards for foreign banks.","Federal Reserve System,HOUSE OF REPRESENTATIVES,SENATE,Treasury, Dept of",,480000,0,0,2019-07-11T11:13:16.840000-04:00
2301591,8d28c6ac-7657-4dad-8f5a-162156079b08,Q2,"THE SMITH-FREE GROUP, LLC",35800,"EAST KENTUCKY POWER COOPERATIVE, INC.",2019,second_quarter,BAN,"P.L.115-334, Agriculture Improvement Act of 2018 (Subtitle E, Section 6503. Implementation of the Cushion of credit payments program) 

S.1431, Retirement Security and Savings Act of 2019 (All sections of full text)  

H.R.1994, Setting Every Community Up for Retirement Enhancement Act of 2019 (All sections of full text)","HOUSE OF REPRESENTATIVES,SENATE",20000,,0,0,2019-07-11T14:07:50.063000-04:00
2301645,92ae7de3-dbcb-4bfd-92c1-5df081e4dcc5,Q2,SUSAN PLATT,59411,"COALITION FOR INVESTOR CHOICE, INC.",2019,second_quarter,BAN,Consumer Financial Choice and Capital Markets Protection Act,"HOUSE OF REPRESENTATIVES,SENATE",20000,,0,0,2019-07-11T14:33:21.083000-04:00
2301750,67e2dda8-be50-40b8-889d-7b69319b3e20,Q2,AZOA SERVICES CORP(ALLIANZ OF AMERICA) FORMERLY AZOA SERIVCES CORP/FIREMAN'S FUND(ALLIANZ OF AMERICA,14611,AZOA SERVICES CORP(ALLIANZ OF AMERICA) AND AFFILIATES,2019,second_quarter,BAN,"Monitor efforts of the Financial Stability Board (FSB) to designate non-bank, non-insurers as Global Systemically Important Financial Institutions.  Lobby in favor of increased transparency regarding the process.","Commodity Futures Trading Commission (CFTC),HOUSE OF REPRESENTATIVES,Risk Management Agency,Securities & Exchange Commission (SEC),SENATE,Treasury, Dept of",,540000,0,0,2019-07-11T15:32:20.480000-04:00
2301828,64d4e19a-9d57-49aa-9c19-a0508b6b1cd9,Q2,TASSEY & ASSOCIATES,288954,AMERICAN BANKERS ASSOCIATION,2019,second_quarter,BAN,"HR 3055 Commerce, State, Justice and Related Agencies Appropriations Act, 2020"" and ""Agriculture, Rural Development, Food and Drug Administration, and Related Agencies Appropriations Act, 2020, all provisions relating to Supplemental Nutrition Assistance Payments and electronic benefits transfer programs using debit cards.  HR 3351 Financial Services and General Government Appropriations Act, 2020, all provisions relating to credit card interchange.  HR 2930/S 1389 Loan Shark Prevention Act, all provisions relating to credit rate caps.  Issues pertaining to the implementation of P.L. 111-24 Credit Card Accountability Responsibility and Disclosure Act of 2009, all provisions.","Consumer Financial Protection Bureau (CFPB),HOUSE OF REPRESENTATIVES,SENATE",30000,,0,0,2019-07-11T16:29:04.550000-04:00
2301831,d11a1bf0-22b9-4432-8871-ef28fed90e95,Q2,TASSEY & ASSOCIATES,288954,"ELECTRONIC PAYMENTS COALITION (""EPC"")",2019,second_quarter,BAN,"HR 3055 Commerce, State, Justice and Related Agencies Appropriations Act, 2020, and ""Agriculture, Rural Development, Food and Drug Administration, and Related Agencies Appropriations Act, 2020, all provisions relating to Supplemental Nutrition Assistance Payments and electronic benefits transfer programs using debit cards.  HR 3351 Financial Services and General Government Appropriations Act, 2020, all provisions relating to credit card interchange.  HR 2930/S 1389 Loan Shark Prevention Act, all provisions relating to credit rate caps.  Issues pertaining to possible FFIEC regulations on multi-factor authentication.  Issues pertaining to possible legislation relating to electronic payment of federal taxes.  Issues pertaining to the US regulatory response to the EU General Data Regulatory Protection.  Issues pertaining to possible legislation relating to data security.  Issues pertaining to Federal Reserve study on payments fraud.  Issues pertaining to the EMVCo (Europay, Mastercard, Visa) and the EMV chip cards.  Issues pertaining to the implementation of P.L. 111-24 Credit Card Accountability Responsibility and Disclosure Act of 2009, all provisions relating to interchange.  Issues pertaining to the implementation of P.L. 111-203 Dodd-Frank Wall Street Reform and Consumer Protection Act, all provisions relating to the provisions in Title X-Bureau of Consumer Financial Protection relating to interchange.  Issues pertaining to antitrust legislation relating to interchange.  Issues pertaining to payment card interchange fee and merchant discount anti-trust litigation.  Issues pertaining to The Economic Growth and Regulatory Paperwork Reduction Act, all provisions relating to debit card interchange.  Issues pertaining to Real Time Payments.","Federal Reserve System,Federal Trade Commission (FTC),HOUSE OF REPRESENTATIVES,SENATE",100000,,0,0,2019-07-11T16:32:07.190000-04:00
2301884,ba47c0a8-4cd2-4f0d-b5da-d3a225a51aa2,Q2,FOXLEY & PIGNANELLI,400323516,NATIONAL ASSOCIATION OF INDUSTRIAL BANKERS,2019,second_quarter,BAN,"Banking
Financial Services
Industrial Banks","Federal Deposit Insurance Corporation (FDIC),HOUSE OF REPRESENTATIVES,Office of the Comptroller of the Currency (OCC),SENATE,Treasury, Dept of",12000,,0,0,2019-07-11T17:14:38.163000-04:00
2302298,54746c7b-d537-4489-8ab5-191b8b3b1800,Q2,AMERICAN ASSOCIATION OF PORT AUTHORITIES,1683,AMERICAN ASSOCIATION OF PORT AUTHORITIES,2019,second_quarter,BAN,S.103 The Terrorism Risk Insurance Program Reauthorization (TRIPR) of 2019.,"Army, Dept of (Corps of Engineers),Commerce, Dept of (DOC),Environmental Protection Agency (EPA),Federal Emergency Management Agency (FEMA),Homeland Security, Dept of (DHS),HOUSE OF REPRESENTATIVES,Office of Management & Budget (OMB),SENATE,Transportation, Dept of (DOT),Transportation Security Administration (TSA),U.S. Customs & Border Protection,U.S. Trade Representative (USTR)",,270000,0,0,2019-07-12T12:02:49.207000-04:00
2302447,130adbbc-8753-4ea4-acb2-1dd977cccb3b,Q2,"RESOLUTION PUBLIC AFFAIRS, LLC",401105068,FINANCIAL SERVICES FORUM,2019,second_quarter,BAN,"Issue related to Global Systemically Important Banks, generally.
Support for international harmonization of regulations surrounding Inter Affiliate Margins","HOUSE OF REPRESENTATIVES,SENATE",30000,,0,0,2019-07-12T13:57:51.520000-04:00
2302491,94b065f8-afe8-4ca9-86f2-7c16354c6d2b,Q2,"THE SMITH-FREE GROUP, LLC",35800,REGIONS FINANCIAL CORPORATION,2019,second_quarter,BAN,"Discussions involving agricultural lending

Monitored discussions related to the Current Expected Credit Loss (CECL) accounting standard",HOUSE OF REPRESENTATIVES,40000,,0,0,2019-07-12T14:18:06.460000-04:00
2302568,7079ffb9-908c-40fe-b908-c6858a1d6114,Q2,"RESOLUTION PUBLIC AFFAIRS, LLC",401105068,WELLS FARGO & COMPANY,2019,second_quarter,BAN,"Issues related to retail banking, generally
Issues related to Global Systemically Important Banks, generally","HOUSE OF REPRESENTATIVES,SENATE",50000,,0,0,2019-07-12T15:04:35.153000-04:00
2302588,f3a0bd6c-844a-4982-81a0-a439e5c919dc,Q2,HOLLAND & KNIGHT LLP,18466,MORTGAGE BANKERS ASSOCIATION,2019,second_quarter,BAN,Reform of mortgage government-sponsored enterprises; refinancing legislation; FHA fees.,"HOUSE OF REPRESENTATIVES,SENATE",40000,,0,0,2019-07-12T15:15:43.107000-04:00
2302786,b5855f0c-7c9e-46bb-9c0c-05b2de7badd2,Q2,HOLLAND & KNIGHT LLP,18466,MIDFIRST BANK,2019,second_quarter,BAN,"Implementation of P.L. 115-174, the Economic Growth, Regulatory Relief, and Consumer Protection Act; regulatory rulemaking related to Basel III.","Federal Deposit Insurance Corporation (FDIC),Federal Reserve System,HOUSE OF REPRESENTATIVES,Office of the Comptroller of the Currency (OCC),SENATE",10000,,0,0,2019-07-12T16:48:58.977000-04:00
2302806,2a394b27-e184-45c8-8fc8-d7ba17dc9a61,2A,BLUEPOINT DC,401104846,CREDIT ACCEPTANCE CORPORATION,2019,second_quarter,BAN,Financial services legislation related to indirect auto finance and financial literacy and education.,"HOUSE OF REPRESENTATIVES,SENATE",10000,,0,0,2019-07-12T17:08:09.030000-04:00
2302873,eff3078d-922e-4adb-bd11-c804cd4274f1,Q2,RICH FEUER ANDERSON,84775,AMERICAN EXPRESS COMPANY,2019,second_quarter,BAN,"Prudential bank regulatory issues and implementation of S.2155, the ""Economic Growth, Regulatory Relief, and Consumer Protection Act.""  Modernization of Bank Secrecy Act and privacy provisions of Gramm-Leach-Bliley Act.","HOUSE OF REPRESENTATIVES,SENATE",50000,,0,0,2019-07-12T18:49:53.540000-04:00
2302966,270e871d-c6ac-4a4a-abb3-df50aff19ec6,Q2,WILLIAM HAMILTON,400644944,FEDERAL HOME LOAN BANK OF INDIANAPOLIS,2019,second_quarter,BAN,Housing finance reform,"HOUSE OF REPRESENTATIVES,SENATE",40000,,0,0,2019-07-14T12:35:26.807000-04:00
2303145,f1bca936-c103-408c-80c5-d39df458cdd4,Q2,LOWE'S COMPANIES INC.,312678,LOWE'S COMPANIES INC.,2019,second_quarter,BAN,interchange and data privacy,"Energy, Dept of,Environmental Protection Agency (EPA),HOUSE OF REPRESENTATIVES,SENATE,White House Office",,320000,0,0,2019-07-15T09:50:00.200000-04:00
2303256,c5ff8f2a-43bf-4cd8-a0bc-3b3e79646610,Q2,MCDERMOTT WILL & SCHULTE LLP,24338,NATIONAL ASSOCIATION OF BANKRUPTCY TRUSTEES,2019,second_quarter,BAN,Efforts to update and amend through legislation the current bankruptcy trustee fee schedule.,"HOUSE OF REPRESENTATIVES,SENATE",20000,,0,0,2019-07-15T11:16:41.873000-04:00
2303347,3f702138-7ba7-4095-9188-1decd05b164b,Q2,THE NEW ENGLAND COUNCIL,29106,NEW ENGLAND COUNCIL,2019,second_quarter,BAN,"HR 1595, the SAFE Banking Act,","HOUSE OF REPRESENTATIVES,SENATE",,10000,0,0,2019-07-15T11:46:18.457000-04:00
2303430,b11837de-1010-4539-b8fe-93d2fd1bcf7e,Q2,MORTGAGE GUARANTY INSURANCE CORPORATION,401103768,MORTGAGE GUARANTY INSURANCE CORPORATION,2019,second_quarter,BAN,Housing Finance Reform and Taxation,"HOUSE OF REPRESENTATIVES,SENATE",,48000,0,0,2019-07-15T12:38:52.323000-04:00
2303586,4ef7f8c0-f2af-4014-8dd0-c15c33206411,Q2,HOLLAND & KNIGHT LLP,18466,FINANCIAL SERVICES INSTITUTE,2019,second_quarter,BAN,Best interest standard for SEC; Independent Contractor legislation; tax deductibility of advisory fees; exemption of small broker deals; retirement security.,"HOUSE OF REPRESENTATIVES,SENATE",40000,,0,0,2019-07-15T13:50:50.580000-04:00
2303837,48853197-8a56-4a9b-944f-0e2cd9a8ef2d,Q2,HOLLAND & KNIGHT LLP,18466,AMSCOT FINANCIAL CORPORATION,2019,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,,0,0,2019-07-15T15:12:08.277000-04:00
2303918,b6c42227-8149-41b9-96db-0c48cab43f54,Q2,HOLLAND & KNIGHT LLP,18466,FINANCIAL OVERSIGHT & MANAGEMENT BOARD OF PUERTO RICO,2019,second_quarter,BAN,Implementation of PROMESA.,"HOUSE OF REPRESENTATIVES,SENATE",80000,,0,0,2019-07-15T15:31:38.717000-04:00
2304037,21aa1909-4c49-4a50-ba6b-3e1c3c576e6d,Q2,"CAPITOL HILL STRATEGIES,  LLC",91774,PRINCIPAL FINANCIAL GROUP,2019,second_quarter,BAN,"Issues relating to Dodd-Frank Wall Street Reform and Consumer Protection Act, implementation and regulatory reform","HOUSE OF REPRESENTATIVES,SENATE",30000,,0,0,2019-07-15T16:16:27.003000-04:00
2304095,f24f815a-8dbd-4e9b-a50e-162fa644ee32,Q2,"MINDSET ADVOCACY, LLC",296271,"ASSOCIATION FOR CORPORATE GROWTH, INC.",2019,second_quarter,BAN,Ensuring appropriate regulation of middle market investment advisers,"HOUSE OF REPRESENTATIVES,SENATE",20000,,0,0,2019-07-15T16:42:47.897000-04:00
2304253,73945c43-4083-4379-8fa1-0f6e911950cf,Q2,HUNTINGTON BANCSHARES INCORPORATED,77435,HUNTINGTON BANCSHARES INCORPORATED,2019,second_quarter,BAN,"H.R. 1595, SAFE Banking Act of 2019, all provisions; S. 2100, Secure and Fair Enforcement Banking Act, all provisions; H.R. 3182, CECL Consumer Impact and Study Bill, all provisions; S. 1564, Continued Encouragement for Consumer Lending Act, all provisions; H.R. 2513 Corporate Transparency Act, all provisions; S. 1978, Corporate Transparency Act, all provisions; H.R. 3111, National Flood Insurance Program Administrative Reform Act, all provisions; H.R. 3407, United States Export Finance Agency Act, all provisions; Implementation of regulatory recalibration for regional banks, general education; Libor rate transition, general education; Diversity and inclusion in banking industry, general education; Environmental, Social and Governance programs, general education; opportunity zone programs, general education; Real Time Payment (RTP) systems, general education; government shutdown, customer impacts and program response particularly related to SBA, Community Reinvestment Act modernization, general education; cyber-security, general education; privacy and data security, general education; small business lending, general education.","HOUSE OF REPRESENTATIVES,SENATE",,100000,0,0,2019-07-15T18:10:48.487000-04:00
2304333,1b1a1f77-a571-45d0-a72c-2d26ca874439,Q2,EASTMAN CHEMICAL COMPANY,13005,EASTMAN CHEMICAL COMPANY,2019,second_quarter,BAN,Corporate Governance,"HOUSE OF REPRESENTATIVES,SENATE",,560000,0,0,2019-07-16T09:01:21.583000-04:00
2304340,1fddaabe-16fe-412b-8b72-3da8605d3f9d,Q2,ELECTRONIC TRANSACTIONS ASSOCIATION,401103094,ELECTRONIC TRANSACTIONS ASSOCIATION,2019,second_quarter,BAN,"Mobile payments, fraud, data security, data storage, open banking, regulatory reform, tax reporting, payments systems, cyber-security, financial services, merchant cash advances, privacy, the Federal Reserve and big data, CFPB prepaid products rule (Prepaid Accounts Under Direct Electronic Transfer Act {Regulation E} and the Truth in Lending Act), Federal Reserve Secure Payments Task Force, Marketplace lending, H.R. 10-Financial Choice Act of 2017, H.J. Res. 62/72-Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act, S.J.Res.19 - A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act, H. R. 1801-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)"", S. 387-Consumer Financial Protection Bureau Accountability Act of 2017, S. 626-CFPB-IG Act of 2017. CFPB Governance Structure. H.J.Res. 111, Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to ""Arbitration Agreements."" S.J.Res. 47, A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to ""Arbitration Agreements"". H.R. 4439, Modernizing Credit Opportunities Act of 2017. H.R. 3299, Protecting Consumers' Access to Credit Act of 2017. S. 1642, Protecting Consumers' Access to Credit Act of 2017. H.R. 3354, Make America Secure & Prosperous Appropriations Act. H.R. 6743, Consumer Information Notification Requirement Act. H.R. 6850, Financial Reporting Threshold Modernization Act. ""Potential Federal Reserve Actions To Support Interbank Settlement of Faster Payments, Request for Comments"" (Docket # OP-1625). OCC ANPR ""Reforming the Community Reinvestment Act Regulatory Framework"" (Docket # OCC-2018-0008). H.R. 1595, ""SAFE Banking Act of 2019"". FDIC Request for Information on Small-Dollar Lending (Docket No. RIN 3064-ZA04). S. 1200, Secure And Fair Enforcement Banking Act of 2019. U.S. House Committee on Financial Services' Task Force on Financial Technology and Task Force on Artificial Intelligence.","Consumer Financial Protection Bureau (CFPB),Council of Economic Advisers (CEA),Federal Communications Commission (FCC),Federal Reserve System,Federal Trade Commission (FTC),Financial Crimes Enforcement Network (FinCEN),Food & Drug Administration (FDA),HOUSE OF REPRESENTATIVES,Internal Revenue Service (IRS),Justice, Dept of (DOJ),Labor, Dept of (DOL),Natl Economic Council (NEC),Office of the Comptroller of the Currency (OCC),SENATE,Treasury, Dept of,U.S. Trade Representative (USTR)",,330000,0,0,2019-07-16T09:03:23.337000-04:00
2304347,f0ada099-68c1-41eb-a499-885cd8d06d6b,Q2,"CGCN GROUP, LLC",76992,"TOTAL SYSTEM SERVICES, INC.",2019,second_quarter,BAN,Monitoring issues related to privacy and data security.,"HOUSE OF REPRESENTATIVES,SENATE",75000,,0,0,2019-07-16T09:06:24.133000-04:00
2304387,7dc826cd-1854-4eb4-88cd-89017d3f08c7,Q2,CAPITOL LEGISLATIVE STRATEGIES LLC,400432093,JOHN T. O'ROURKE LAW OFFICES,2019,second_quarter,BAN,Issues related to 'non-bank' banking and marketplace behavior.,"HOUSE OF REPRESENTATIVES,SENATE",30000,,0,0,2019-07-16T09:19:35.977000-04:00
2304463,a7ca5401-1f63-423a-afb8-eef52d77a5b5,Q2,JAKE PERRY + PARTNERS,401029902,ELEVATE CREDIT,2019,second_quarter,BAN,Issues related to online lending.,"HOUSE OF REPRESENTATIVES,SENATE",50000,,0,0,2019-07-16T09:52:00.377000-04:00
2304488,f92bb07f-38ce-4fc8-8d50-05b4d0be56a9,Q2,REGIONS FINANCIAL CORP,315034,REGIONS FINANCIAL CORP,2019,second_quarter,BAN,"S.2155 Implementation
BSA/AML Reform
Community Reinvestment Act Reform
CECL
GSE Reform
Commercial Flood Insurance
S.3045/HR5783
Data Breach and Privacy Legislation
Diversity and Inclusion/Governance
LIBOR
Faster payments
Small dollar lending 
MSA risk weighting","HOUSE OF REPRESENTATIVES,SENATE",,400000,0,0,2019-07-16T10:01:12.117000-04:00
2304875,e794143e-8ea2-4b95-9eac-5e527d8b7722,Q2,"ALPINE GROUP PARTNERS, LLC.",1171,MRCOOPER,2019,second_quarter,BAN,Federal lending policies,"HOUSE OF REPRESENTATIVES,SENATE",30000,,0,0,2019-07-16T12:11:52.133000-04:00
2304892,7758bacb-09b2-473c-8b95-ec67f1ad0c7d,Q2,NATIONAL ASSOCIATION FOR COLLEGE ADMISSION COUNSELING,54916,NATIONAL ASSOCIATION FOR COLLEGE ADMISSION COUNSELING,2019,second_quarter,BAN,"Student loans, Mandatory arbitration clauses","Consumer Financial Protection Bureau (CFPB),Education, Dept of,Federal Trade Commission (FTC),HOUSE OF REPRESENTATIVES,SENATE",,40000,0,0,2019-07-16T12:16:56.303000-04:00
2304951,24d562e6-7808-4900-a968-33fae02b9778,Q2,KPMG LLP,21893,KPMG LLP,2019,second_quarter,BAN,"Issues related to implementation of Dodd-Frank Wall Street Reform and Consumer Protection Act (Pub.L. 111-203), including section 992.","Defense, Dept of (DOD),Defense Finance & Accounting Service (DFAS),Government Accountability Office (GAO),HOUSE OF REPRESENTATIVES,Internal Revenue Service (IRS),Securities & Exchange Commission (SEC),SENATE,Treasury, Dept of",,600000,0,0,2019-07-16T12:39:14.993000-04:00
2304969,82e3a478-2eb1-493a-8637-7bd439555c00,Q2,"THE SMITH-FREE GROUP, LLC",35800,HSBC TECHNOLOGY & SERVICES (USA) INC,2019,second_quarter,BAN,Discussions regarding the Bank Secrecy Act and anti-money laundering efforts,"HOUSE OF REPRESENTATIVES,SENATE",30000,,0,0,2019-07-16T12:49:21.167000-04:00
2305293,51878698-3bc9-42d9-845b-8052ff40dced,Q2,COZEN O'CONNOR PUBLIC STRATEGIES,400459252,"EQUIFAX, INC.",2019,second_quarter,BAN,"Banking, Financial Services","Centers For Medicare and Medicaid Services (CMS),HOUSE OF REPRESENTATIVES,Natl Economic Council (NEC),SENATE",30000,,0,0,2019-07-16T14:21:48.120000-04:00
2305317,acf59853-5aef-44c3-984f-6c5d7d6a6562,Q2,DAVID ISRAELITE,316935,"CHRISTIE'S, INC.",2019,second_quarter,BAN,HR2514 Amendment of Bank Secrecy Act,"HOUSE OF REPRESENTATIVES,SENATE",6000,,0,0,2019-07-16T14:26:57.250000-04:00
2305546,4d885879-6465-42e1-947d-0169da070248,Q2,COZEN O'CONNOR PUBLIC STRATEGIES,400459252,PARALLEL BRANDS (FKA SURTERRA HOLDINGS),2019,second_quarter,BAN,SAFE Banking Act; STATES Act,"HOUSE OF REPRESENTATIVES,SENATE",40000,,0,0,2019-07-16T15:18:20.167000-04:00
2305601,c7a5b105-aa9d-4c83-8dcf-595b648d8e3d,Q2,"DISTRICT STRATEGIES, LLC",314795,STATE OF NEVADA,2019,second_quarter,BAN,"SAFE Banking Act, STATES Act","Agriculture, Dept of (USDA),HOUSE OF REPRESENTATIVES,Interior, Dept of (DOI),SENATE",30000,,0,0,2019-07-16T15:27:36.540000-04:00
2305852,b8d3948a-6146-41d0-99b3-216b191661ec,Q2,NATIONAL FAIR HOUSING ALLIANCE,54107,NATIONAL FAIR HOUSING ALLIANCE,2019,second_quarter,BAN,H.R. 3154 - Homeownership for Dreamers Act,"HOUSE OF REPRESENTATIVES,SENATE",,30000,0,0,2019-07-16T16:36:05.173000-04:00
2306137,b82fecc4-4fad-4201-9187-143fc29d98a9,Q2,NATIONAL RETAIL FEDERATION,28468,NATIONAL RETAIL FEDERATION,2019,second_quarter,BAN,"Update House and Senate on Interchange/swipe fee reform issues, including competitive routing and pending surcharge legislation in states; provide retailers perspective of issues in implementing mobile payment systems; data security and breach notification as it relates to sensitive financial data, discussed views of Retail industry regarding EMV transition, fraud costs, Chip and PIN, tokenization, encryption chargebacks, competition in debit routing and other payment innovation","Bureau of Citizenship & Immigration Services (BCIS),Commerce, Dept of (DOC),Consumer Financial Protection Bureau (CFPB),Consumer Product Safety Commission (CPSC),Equal Employment Opportunity Commission (EEOC),Federal Maritime Commission,Federal Reserve System,Federal Trade Commission (FTC),Health & Human Services, Dept of (HHS),HOUSE OF REPRESENTATIVES,Internal Revenue Service (IRS),Labor, Dept of (DOL),Maritime Administration (MARAD),Natl Economic Council (NEC),Natl Labor Relations Board (NLRB),Natl Telecommunications & Information Administration (NTIA),Office of Management & Budget (OMB),Patent & Trademark Office (PTO),SENATE,Small Business Administration (SBA),Transportation, Dept of (DOT),Treasury, Dept of,U.S. Customs & Border Protection,U.S. Postal Service (USPS),U.S. Trade Representative (USTR),White House Office",,1970000,0,0,2019-07-16T19:02:42.670000-04:00
2306200,ed63a0a3-4550-4e4d-ae4b-05b03022b552,Q2,"VISTA OUTDOOR, INC",401103613,"VISTA OUTDOOR, INC.",2019,second_quarter,BAN,S. 821 - Freedom Financing Act,"HOUSE OF REPRESENTATIVES,SENATE,U.S. Trade Representative (USTR),White House Office",,130000,0,0,2019-07-17T06:41:13.960000-04:00
2306508,cade41e7-bc5a-4510-8beb-e5120e149097,Q2,NATIONAL GROCERS ASSOCIATION,27924,NATIONAL GROCERS ASSOCIATION,2019,second_quarter,BAN,"Payments Card Standards, Security and Fraud
Open Banking and Realtime Gross Settlement Standards
Durbin Amendment / Debit Reform","Agriculture, Dept of (USDA),Centers For Medicare and Medicaid Services (CMS),Executive Office of the President (EOP),Federal Reserve System,Federal Trade Commission (FTC),Food & Drug Administration (FDA),HOUSE OF REPRESENTATIVES,Labor, Dept of (DOL),Office of Management & Budget (OMB),SENATE",,110000,0,0,2019-07-17T10:54:06.840000-04:00
2306540,267a1d76-8006-436a-bdf9-57e8b69ed5f7,Q2,TRANS UNION LLC,62131,TRANS UNION LLC,2019,second_quarter,BAN,--Issues related to amendments to the Fair Credit Reporting Act,"HOUSE OF REPRESENTATIVES,SENATE",,130000,0,0,2019-07-17T10:58:16.373000-04:00
2306807,d6c3a81d-e0c5-4688-8def-e6d3584f59e9,Q2,"MINDSET ADVOCACY, LLC",296271,"HCBS ADVOCACY, LLC",2019,second_quarter,BAN,"Housing Finance, Military Housing, Tax","Federal Housing Finance Agency (FHFA),HOUSE OF REPRESENTATIVES,Housing & Urban Development, Dept of (HUD),SENATE,Treasury, Dept of",130000,,0,0,2019-07-17T11:50:08.770000-04:00
2306942,bc629afd-cafe-4da3-b614-c2546bec5cff,Q2,NATIONAL FRATERNAL ORDER OF POLICE,27866,NATIONAL FRATERNAL ORDER OF POLICE,2019,second_quarter,BAN,"H.R. 2513/S. 1976, the Corporate Transparency Act, which would require the Federal government to collect beneficial ownership information for corporations and limited liability companies unless the State already collects this information;","Commerce, Dept of (DOC),Homeland Security, Dept of (DHS),HOUSE OF REPRESENTATIVES,Justice, Dept of (DOJ),Labor, Dept of (DOL),SENATE,White House Office",,55000,0,0,2019-07-17T12:11:40.523000-04:00
2307091,5b467e24-733b-4524-bbf1-d3d417716de5,Q2,MANUFACTURED HOUSING INSTITUTE,23714,MANUFACTURED HOUSING INSTITUTE,2019,second_quarter,BAN,"Revise the Truth in Lending Acts implementing regulation, Regulation Z, to align with Public Law 115-174.

Implement the duty to serve requirements contained in the Housing and Economic Recovery Act of 2008 for manufactured housing. (Public Law: 110-289). 

FHA Title I and Title II loan insurance programs.","Commerce, Dept of (DOC),Consumer Financial Protection Bureau (CFPB),Energy, Dept of,Federal Emergency Management Agency (FEMA),Federal Housing Finance Agency (FHFA),HOUSE OF REPRESENTATIVES,Housing & Urban Development, Dept of (HUD),Labor, Dept of (DOL),SENATE",,314000,0,0,2019-07-17T12:48:19.417000-04:00
2307222,17bdbaf2-789a-4f46-85d4-fce703b1163d,Q2,"MERCURY PUBLIC AFFAIRS, LLC",70175,"ASG RESOLUTION CAPITAL, JSC ON BEHALF OF ERNESTS BERNIS",2019,second_quarter,BAN,liquidation of bank,"Treasury, Dept of",200000,,0,0,2019-07-17T13:19:06.427000-04:00
2307240,fab57c70-9a8e-4976-a134-77ed48db8b71,Q2,BREAUX LOTT LEADERSHIP GROUP,40020141,TRANSPORTATION INSTITUTE,2019,second_quarter,BAN,Issues related to Export-Import Bank of the United States.,"HOUSE OF REPRESENTATIVES,Maritime Administration (MARAD),SENATE",120000,,0,0,2019-07-17T13:22:15.147000-04:00
2307253,8947cc6c-7cb3-447e-b872-b394f92ced09,Q2,"BUTERA, ISRAEL & BECKER PLLC",401104889,TEXAS BANKERS ASSOCIATION,2019,second_quarter,BAN,"Financial services regulatory reform legislation including regulatory implementation of the Economic Growth, Regulatory Relief and Consumer Protection Act of 2018.","HOUSE OF REPRESENTATIVES,SENATE",10000,,0,0,2019-07-17T13:25:19.957000-04:00
2307299,57c582ba-9a78-420d-80dc-f79e9985a494,Q2,"BUTERA, ISRAEL & BECKER PLLC",401104889,STARWOOD CAPITAL GROUP,2019,second_quarter,BAN,Federal housing finance reform legislation and regulation.,"Federal Housing Finance Agency (FHFA),HOUSE OF REPRESENTATIVES,SENATE,Treasury, Dept of",20000,,0,0,2019-07-17T13:34:36.803000-04:00
2307302,6a6dd91e-af4a-4ac0-bc52-4226c3c03e6f,Q2,"BUTERA, ISRAEL & BECKER PLLC",401104889,"RENT-A-CENTER, INC.",2019,second_quarter,BAN,Legislation and regulation impacting the rental-purchase industry.,"HOUSE OF REPRESENTATIVES,SENATE",30000,,0,0,2019-07-17T13:35:38.787000-04:00
2307306,2ef18507-e55c-45f8-bce3-f1d351c06d51,Q2,"BUTERA, ISRAEL & BECKER PLLC",401104889,MIDLAND FINANCIAL COMPANY,2019,second_quarter,BAN,Federal financial regulatory reform proposals including regulatory capital rules.,"Federal Deposit Insurance Corporation (FDIC),HOUSE OF REPRESENTATIVES,SENATE",10000,,0,0,2019-07-17T13:36:40.460000-04:00
2307316,5ceffd4b-9b67-467d-b89b-1c7d32a2e99d,2T,"BUTERA, ISRAEL & BECKER PLLC",401104889,MARQUETTE NATIONAL CORPORATION,2019,second_quarter,BAN,Basel III international capital rules including Trust Preferred Securities provision.,"Federal Deposit Insurance Corporation (FDIC),HOUSE OF REPRESENTATIVES,SENATE",10000,,0,1,2019-07-17T13:37:44.943000-04:00
2307320,fda7382b-218e-4991-9c70-001950522384,Q2,"BUTERA, ISRAEL & BECKER PLLC",401104889,INTERNATIONAL BANCSHARES CORPORATION,2019,second_quarter,BAN,Financial services regulatory relief legislation including the Federal Financial Examination Fairness Act.,"Federal Deposit Insurance Corporation (FDIC),HOUSE OF REPRESENTATIVES,SENATE",20000,,0,0,2019-07-17T13:38:46.850000-04:00
2307321,c6243ff3-ae43-4e7a-9d78-4d506082e3f7,Q2,"BUTERA, ISRAEL & BECKER PLLC",401104889,FEDERAL HOME LOAN BANK OF CHICAGO,2019,second_quarter,BAN,Federal housing finance reform legislation and regulation.,"Federal Housing Finance Agency (FHFA),HOUSE OF REPRESENTATIVES,SENATE,Treasury, Dept of",20000,,0,0,2019-07-17T13:39:47.490000-04:00
2307336,8b979f8f-73ed-4e3d-9ce7-b9c6a8bb68ad,Q2,"BUTERA, ISRAEL & BECKER PLLC",401104889,FEDERAL HOME LOAN BANK OF BOSTON,2019,second_quarter,BAN,Housing finance reform legislation and regulations.,"HOUSE OF REPRESENTATIVES,SENATE",20000,,0,0,2019-07-17T13:40:52.740000-04:00
2307337,b79f679a-288f-44b1-ae45-3b6bf211f613,Q2,"BUTERA, ISRAEL & BECKER PLLC",401104889,EMIGRANT BANCORP INC.,2019,second_quarter,BAN,Financial services regulatory reform legislation.,"HOUSE OF REPRESENTATIVES,SENATE",20000,,0,0,2019-07-17T13:40:53.413000-04:00
2307432,a4541263-dc63-4fb7-a276-53b0af638b85,Q2,"PACE, LLP",30495,KASASA,2019,second_quarter,BAN,Deposit Broker Rule,"Federal Deposit Insurance Corporation (FDIC),HOUSE OF REPRESENTATIVES,SENATE",15000,,0,0,2019-07-17T13:56:32.883000-04:00
2307448,c5e83808-5900-4da3-8a4f-90f0a485e85a,Q2,"WILLIAMS AND JENSEN, PLLC",41454,FEDERAL HOME LOAN BANK OF CINCINNATI,2019,second_quarter,BAN,GSE and Housing Finance reform; LIBOR transition; diversity and inclusion support; FHLB membership.,"HOUSE OF REPRESENTATIVES,SENATE",20000,,0,0,2019-07-17T14:03:43.727000-04:00
2307464,6ce95d6a-9e84-4f27-b395-34ffb71c1f98,Q2,"THE SMITH-FREE GROUP, LLC",35800,BANK OF AMERICA CORPORATION,2019,second_quarter,BAN,Discussions related to the phase-out of LIBOR,"HOUSE OF REPRESENTATIVES,SENATE",60000,,0,0,2019-07-17T14:06:51.307000-04:00
2307593,f776f575-d42d-4797-b92b-fb906f41274d,Q2,UNIDOSUS (FKA NATIONAL COUNCIL OF LA RAZA),27662,UNIDOSUS (FKA NATIONAL COUNCIL OF LA RAZA),2019,second_quarter,BAN,"Consumer lending, student loan servicing, credit reporting issues, CFPB concerns, affordable housing, and other consumer financial protection issues.","Bureau of Citizenship & Immigration Services (BCIS),Consumer Financial Protection Bureau (CFPB),Homeland Security, Dept of (DHS),HOUSE OF REPRESENTATIVES,Housing & Urban Development, Dept of (HUD),SENATE,White House Office",,150000,0,0,2019-07-17T14:33:44.030000-04:00
2307646,45478306-fc5b-42a4-89ba-169e237adc32,Q2,ACG ADVOCACY,2057,RURAL COUNTY REPRESENTATIVES OF CALIFORNIA,2019,second_quarter,BAN,"Banking issues impacting rural counties in California.
Cannabis issues impacting rural counties in California.","Food & Drug Administration (FDA),HOUSE OF REPRESENTATIVES,SENATE",50000,,0,0,2019-07-17T14:37:58.030000-04:00