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 1871804,41cafc9f-d61d-4353-b689-c77de3836d95,3T,"PODESTA GROUP, INC.",31680,"SBERBANK CIB USA, INC.",2016,third_quarter,BAN,"Clarifying scope of sanctions imposed by Executive Order 13660, assessing possible ways to address sanctions relief and monitoring relevant developments applicable to such matters","Commerce, Dept of (DOC),HOUSE OF REPRESENTATIVES,SENATE,State, Dept of (DOS)",40000,,0,1,2016-09-06T18:28:27.397000-04:00 1872287,68f55369-ed96-41be-9798-f149c53e26e3,Q3,MR. ROBERT MITCHELL DELK,401069010,ONLINE CONSUMER NETWORK,2016,third_quarter,BAN,HR 1259 BUREAU ADVISORY COMMISSION TRANSPARENCY ACT (DUFFY); HR 1195 BUREAU OF CONSUMER FINANCIAL PROTECTION ADVISORY ACT (PITTENGER),"HOUSE OF REPRESENTATIVES,SENATE",75000,,0,0,2016-09-29T11:47:19.050000-04:00 1872491,85b71aa7-15b1-4968-9f9a-86e2dbbc528d,Q3,RICH FEUER ANDERSON,84775,GENWORTH FINANCIAL INC,2016,third_quarter,BAN,"Housing finance reform and operation of the Federal Housing Administration and the Federal government-sponsored housing enterprises, including S. 1484, the ""Financial Regulatory Improvement Act of 2015"" and H.R. 5983, the ""Financial CHOICE Act of 2016.""","HOUSE OF REPRESENTATIVES,SENATE",30000,,0,0,2016-10-01T17:58:05.377000-04:00 1872492,c9d2a72c-d82d-4c76-9a18-0b421bfa2f92,Q3,RICH FEUER ANDERSON,84775,BLACKROCK FUNDS SERVICES GROUP LLC (FORMERLY BLACKROCK CAPITAL MANAGEMENT INC.),2016,third_quarter,BAN,"Implementation of the ""Dodd-Frank Wall Street Reform and Consumer Protection Act."" Regulation of asset managers as systemically important financial institutions, including H.R. 1550, the ""Financial Stability Oversight Council Improvement Act of 2015,"" and S. 1484, the ""Financial Regulatory Improvement Act of 2015.""","HOUSE OF REPRESENTATIVES,SENATE",80000,,0,0,2016-10-01T18:01:06.890000-04:00 1872500,f0a6cf2f-b388-4e7e-8b41-ef6915f0a131,Q3,RICH FEUER ANDERSON,84775,APPRAISAL INSTITUTE,2016,third_quarter,BAN,"Regulation of appraisers, including modernization of regulatory structure and S. 1484, the ""Financial Regulatory Improvement Act of 2015,"" and H.R. 5983, the ""Financial CHOICE Act of 2016.""","HOUSE OF REPRESENTATIVES,SENATE",30000,,0,0,2016-10-01T18:54:12.867000-04:00 1872504,18a25373-5610-48a3-98aa-514debb94e0d,Q3,RICH FEUER ANDERSON,84775,"SWIFT, INC.",2016,third_quarter,BAN,"Imposition of sanctions on financial messaging services with respect to institutions in other countries, including S. 269, the ""Nuclear Weapon Free Iran Act of 2015,"" and S.792, the ""Nuclear Weapon Free Iran Act of 2015."" Issues related to cyber security.","HOUSE OF REPRESENTATIVES,SENATE",60000,,0,0,2016-10-01T19:00:15.850000-04:00 1872507,aee879cf-5cb5-4974-be4d-d5e6db9c17d9,Q3,RICH FEUER ANDERSON,84775,BIPARTISAN POLICY CENTER ADVOCACY NETWORK,2016,third_quarter,BAN,"Implementation of the ""Dodd-Frank Wall Street Reform and Consumer Protection Act,"" including regulation of systemically important institutions and Financial Stability Oversight Council designation procedures and transparency, and S. 1484, the ""Financial Regulatory Improvement Act of 2015.""","HOUSE OF REPRESENTATIVES,SENATE",15000,,0,0,2016-10-01T19:03:17.350000-04:00 1872513,1ae995a1-84be-4e0f-b8ae-61b77720cb56,Q3,RICH FEUER ANDERSON,84775,"AMAZON CORPORATE, LLC",2016,third_quarter,BAN,"Legislation affecting payments systems and cybersecurity, including HR 2205, the ""Data Security Act of 2015,"" and S 754, the ""Cybersecurity Information Sharing Act of 2015."" Availability of credit for small businesses.","HOUSE OF REPRESENTATIVES,SENATE",40000,,0,0,2016-10-01T19:12:20.320000-04:00 1872516,9fbdbad3-dae7-4640-ba11-04e23f09d7b8,Q3,RICH FEUER ANDERSON,84775,LONDON STOCK EXCHANGE GROUP PLC,2016,third_quarter,BAN,"Implementation of the ""Dodd-Frank Wall Street Reform and Consumer Protection Act,"" including regulation of derivative instruments, regulation and capitalization of clearinghouses, protection of customer assets, and extraterritorial application, and H.R. 2289, the ""Commodity End-User Relief Act.""","HOUSE OF REPRESENTATIVES,SENATE",60000,,0,0,2016-10-01T19:14:21.727000-04:00 1872540,a4e17b55-1e35-4e7d-91fd-2b04990ce1b6,Q3,MARSHALL BRACHMAN,6848,LOCKHEED MARTIN AERONAUTIC SECTOR,2016,third_quarter,BAN,support defense financing provision in Ex-Im,"HOUSE OF REPRESENTATIVES,SENATE",22713,,0,0,2016-10-02T10:25:47.067000-04:00 1872543,bc6086f9-42e7-42e4-a05d-53157e0ffdd7,Q3,MARSHALL BRACHMAN,6848,ZIONS BANCORP,2016,third_quarter,BAN,"monitor Banking legislation on FHLB regarding rural infrastructure monitor Banking legislation related to student loans Support HR1309 on SIFI redefinition oppose Federal Reserve Interest payfor","HOUSE OF REPRESENTATIVES,SENATE",24000,,0,0,2016-10-02T10:28:48.660000-04:00 1872696,4c13e12a-7d41-43a1-91c3-82b052b3c91b,Q3,"LAW OFFICES OF GEORGE HARRIS, LLC",400871553,CITY OF THOMASVILLE,2016,third_quarter,BAN,Oppose proposed Federal Reserve Rule limiting or prohibiting Financial Holding Companies from owning natural gas as a commodity as part of their associated services for financing long term supply contracts; opposition to repealing section 4(o) of the Financial Holding Company Act as it relates to financing of long term natural gas supply contracts by Financial Holding Companies,"Agriculture, Dept of (USDA),Commerce, Dept of (DOC),Federal Reserve System,HOUSE OF REPRESENTATIVES,SENATE",10000,,0,0,2016-10-03T12:07:09.750000-04:00 1872705,aaf7197c-2d80-496f-9b03-81de62964df3,Q3,RICH FEUER ANDERSON,84775,SYMPHONY COMMUNICATIONS SERVICES LLC,2016,third_quarter,BAN,Legislation and regulation affecting secure communications services.,"HOUSE OF REPRESENTATIVES,SENATE,Treasury, Dept of",60000,,0,0,2016-10-03T12:41:18.487000-04:00 1872714,d6642b1b-0b71-4024-a98e-01c3f9527c2c,Q3,RICH FEUER ANDERSON,84775,"SOCIAL FINANCE, INC.",2016,third_quarter,BAN,Regulation of marketplace lenders.,"HOUSE OF REPRESENTATIVES,SENATE",60000,,0,0,2016-10-03T12:51:24.410000-04:00 1872719,fdbcc661-2ff7-49bf-bc3c-99ab1bcc8dff,Q3,RICH FEUER ANDERSON,84775,BLOCKCHAIN (US) INC.,2016,third_quarter,BAN,Legislative and regulatory initiatives impacting digital currencies.,"HOUSE OF REPRESENTATIVES,SENATE",30000,,0,0,2016-10-03T12:57:27.553000-04:00 1872821,4225e402-b9db-4488-92af-b7443cd541aa,Q3,COLORADO ASSOCIATION OF COMMERCE AND INDUSTRY,400909654,COLORADO ASSOCIATION OF COMMERCE AND INDUSTRY,2016,third_quarter,BAN,Fiduciary rule,"Environmental Protection Agency (EPA),Equal Employment Opportunity Commission (EEOC),HOUSE OF REPRESENTATIVES,Labor, Dept of (DOL),SENATE",,,0,0,2016-10-03T15:42:04.587000-04:00 1873072,c0208059-aaf5-4a4a-b054-aa03e8afc1a0,Q3,CAPITOL LEGISLATIVE STRATEGIES LLC,400432093,JOHN T. O'ROURKE LAW OFFICES,2016,third_quarter,BAN,Proposed non-bank banking issues.,"HOUSE OF REPRESENTATIVES,SENATE",30000,,0,0,2016-10-05T09:19:26.830000-04:00 1873286,8efd9fe4-b769-4ec0-af04-bd40a184e1a2,Q3,"KEY ADVOCATES, INC.",401104005,APPRAISER PROSPERITY COALITION,2016,third_quarter,BAN,Issues related to appraisers and appraisal management companies.,"Consumer Financial Protection Bureau (CFPB),HOUSE OF REPRESENTATIVES,SENATE",,,0,0,2016-10-05T16:57:27.140000-04:00 1873369,194c434b-f72d-4886-ad5f-c4f84f176255,Q3,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,2016,third_quarter,BAN,"The Dodd-Frank Wall Street Reform and Consumer Protection Act: Follow implementation of this legislation which would create a new systemic-risk regulation for systemically-significant firms and a resolution mechanism for failing firms. This includes the designation of firms as ""systemically"" important financial institutions. Follow meeting and proposed rules of the Financial Stability oversight Council (FSOC) and the establishment of the Federal Insurance Office and Consumer Financial Protection Bureau. Closely follow the FSOC's proposed rule to implement SEC.113 of the Dodd-Frank Act, which would establish criteria for the designation of non-bank firms as ""systemically"" important financial institutions (SIFI) Mark to market accounting: follow SEC and FASB action regarding guidance and clarification of mark to market accounting. Lobby in favor of legislation amending FSOC's SIFI designation process. 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",,610000,0,0,2016-10-06T10:45:48.527000-04:00 1873375,b755f5fb-4f47-4586-b10e-e0bbeca1ebd0,Q3,"MAGILL ASSOCIATES, LLC",401103511,MOUNTAIN WEST CREDIT UNION ASSOCIATION,2016,third_quarter,BAN,legislation affecting credit unions,"HOUSE OF REPRESENTATIVES,SENATE",10000,,0,0,2016-10-06T10:47:50.137000-04:00 1873380,d338f381-2324-4d14-b3db-1a172ad45806,Q3,"THE SMITH-FREE GROUP, LLC",35800,NETWORK FOR INVESTOR ACTION AND PROTECTION,2016,third_quarter,BAN,"H.R.1982, Restoring Main Street Investor Protection and Confidence Act (All sections of full text)- Efforts in support of bill S.67, Restoring Main Street Investor Protection and Confidence Act (All sections of full text)- Efforts in support of bill","HOUSE OF REPRESENTATIVES,SENATE",,,0,0,2016-10-06T10:52:54.060000-04:00 1873382,0f1a6c1c-c622-412e-8fdf-7861f7272437,Q3,"MAGILL ASSOCIATES, LLC",401103511,"LIVINGSTON GROUP L L C ""ON BEHALF OF THE PEW CHARITABLE TRUSTS""",2016,third_quarter,BAN,The Consumer Financial Protection Board's 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),"HOUSE OF REPRESENTATIVES,Natl Credit Union Administration (NCUA),SENATE",30000,,0,0,2016-10-06T10:53:55.593000-04:00 1873438,ce0ac42b-8353-44c8-85b8-62f0033bb98b,Q3,"THE SMITH-FREE GROUP, LLC",35800,MASTERCARD WORLDWIDE,2016,third_quarter,BAN,"Discussions relating to EMV and liability shift Discussions regarding global payments Discussions regarding mobile payments Monitored H.R.5465, To repeal section 1075 of the Consumer Financial Protection Act of 2010 relating to rules for payment card transactions, and for other purposes.","HOUSE OF REPRESENTATIVES,SENATE",70000,,0,0,2016-10-06T12:12:11.710000-04:00 1873522,9ee592a4-ee50-4900-af8a-509b45c58f1b,Q3,"PORTER GROUP, LLC",400745228,NATIONAL ASSOCIATION OF BANKRUPTCY TRUSTEES,2016,third_quarter,BAN,Legislation concerning US bankruptcy trustees.,"HOUSE OF REPRESENTATIVES,SENATE",25000,,0,0,2016-10-06T13:49:36.117000-04:00 1873782,21293a65-fcd9-4ff5-8a0b-1bebfb2e1a2f,Q3,HOLLAND & KNIGHT LLP,18466,MORTGAGE BANKERS ASSOCIATION,2016,third_quarter,BAN,Tax deductions for mortgage interest; reform of mortgage government-sponsored enterprises; refinancing legislation.,"HOUSE OF REPRESENTATIVES,SENATE",30000,,0,0,2016-10-07T13:05:32.477000-04:00 1873784,dccd820d-5ccd-4cd5-a3fe-f78db3bcea3b,Q3,HOLLAND & KNIGHT LLP,18466,NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY,2016,third_quarter,BAN,Tax treatment of inside buildup; tax treatment of life settlements.,SENATE,30000,,0,0,2016-10-07T13:07:33.977000-04:00 1873837,790fa7ea-8eb3-480c-a940-062348f4dba8,Q3,COMMERCE BANK,400728185,COMMERCE BANK,2016,third_quarter,BAN,Issues related to legislation and regulation affecting the banking industry.,"HOUSE OF REPRESENTATIVES,SENATE",,,0,0,2016-10-07T14:20:14.153000-04:00 1874042,61949720-9be8-4a93-b19a-190acc6b33f8,Q3,"PARRY, ROMANI, DECONCINI & SYMMS",30792,SICPA SECURINK CORP,2016,third_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. S. 1888, Unified Savings and Accountability Act or the USA Act.","HOUSE OF REPRESENTATIVES,SENATE",30000,,0,0,2016-10-08T12:23:09.287000-04:00 1874160,5a9322b1-a17d-40db-bffb-0155429cb906,Q3,"MORRISON & FOERSTER, LLP",25897,AMERICAN BANKERS ASSOCIATION,2016,third_quarter,BAN,Cybersecurity and breach notification,"HOUSE OF REPRESENTATIVES,SENATE",20000,,0,0,2016-10-10T10:49:49.723000-04:00 1874187,d7a795b5-b14a-4e50-81ae-f321acbca21e,Q3,"WEBSTER, CHAMBERLAIN & BEAN, LLP",40830,COMMERCIAL LAW LEAGUE OF AMERICA,2016,third_quarter,BAN,"Fair Debt Collection Practices Act Bankruptcy","HOUSE OF REPRESENTATIVES,SENATE",10000,,0,0,2016-10-10T11:09:16.203000-04:00 1874324,83ec4d50-0878-4b93-932f-caacc04e49d9,Q3,HOLLAND & KNIGHT LLP,18466,AMSCOT FINANCIAL CORPORATION,2016,third_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,,0,0,2016-10-10T14:36:49.260000-04:00 1874343,d9b0fd61-7d50-4f13-80ed-fda38c10b8f2,Q3,MS. ELIZABETH GARNER,401103866,MERCHANT ADVISORY GROUP,2016,third_quarter,BAN,"Dodd-Frank. Sec 920. Provisions related to routing choice compliance. 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. H.R. 5465. To repeal section 1075 of the Consumer Financial Protection Act of 2010 relating to rules for payment card transactions, and for other purposes. Education surrounding transition to EMV chip cards. Education surrounding innovation in payments, including mobile commerce and security technologies.","Consumer Financial Protection Bureau (CFPB),Federal Reserve System,Federal Trade Commission (FTC),HOUSE OF REPRESENTATIVES,Office of the Comptroller of the Currency (OCC),SENATE,U.S. Secret Service",10000,,0,0,2016-10-10T14:55:00.707000-04:00 1874689,45cee8c2-bbc5-40f3-9321-1e053c3729d6,Q3,KASASA,400991824,KASASA,2016,third_quarter,BAN,Kasasa discussed issues affecting community financial institutions.,"HOUSE OF REPRESENTATIVES,SENATE",,,0,0,2016-10-11T10:52:39.397000-04:00 1875103,63d6f17a-a148-48bf-a2d6-236a1bbcef43,Q3,NATIONAL ASSOCIATION FOR THE ADVANCEMENT OF COLORED PEOPLE,48975,NATIONAL ASSOCIATION FOR THE ADVANCEMENT OF COLORED PEOPLE,2016,third_quarter,BAN,"Oppose any efforts to dismantle, weaken, or change the structure or the funding stream of the Consumer Financial Protection Bureau (CFPB). Support a rule from the CFPB regarding payday lending which require the lender to determine the borrowers ability to repay the loan, including consideration of income and expenses; does not sanction any series of repeat loans or provide a safe harbor for poorly underwritten loans; establishes an outer limit on length of indebtedness that is at least as short as the FDICs 2005 guidelines - 90 days in a twelve-month period; and restricts lenders from requiring a post-dated check or electronic access to a borrowers checking account as a condition of extending credit. Support the Department of Labor's ""Fiduciary Responsibility"" rule. Support the CFPB's study on forced arbitration clauses; oppose efforts to disable the CFPB to act on its findings. Oppose H.R. 685. Oppose H.R. 1529 Oppose H.R. 650 Oppose H.R. 1408 Oppose H.R. 1265 Oppose H.R. 1259 Oppose H.R. 1195 Oppose H.R. 601 Support S. 838 / H.R. 1565 Oppose H.R. 50 Oppose HR 37 Support continued implementation of Dodd-Frank Wall Street Reform Act of 2010; oppose efforts to eliminate or weaken provisions of the law. Support S. 1133 / H.R.2087 Support HR 2362 Support a strong short term lending reform package by the CFPB that does not undermine state or local laws which may be stronger (offer more protection) Oppose HR 1210 Oppose HR 3192 Oppose HR 1737 Oppose HR 776 Oppose HR 1317 Oppose HR 1941 Oppose HR 3189 Support HR 3524 / S 1981 Support the Federal Insurance Office‟s effort to assess the affordability and accessibility of auto insurance in low-wealth communities, communities of color and underserved communities and the proposed definition of affordability and Affected Persons. Oppose HR 1266 Oppose S. 2038 Oppose H.R. 4018 Support principle reduction of mortgages by Fannie Mae and Freddie Mac Oppose H.R. 766. Support Operation Choke Point. Support full funding in FY 2017 for the 2020 Census and for the ACS Oppose any financial riders on FY17 spending bills Support a robust proposed survey of financing for auto buyers. Support CFPB moving forward on a rulemaking to address the widespread harm resulting from forced arbitration. Support Senators signing onto a letter to the CFPB in support of their auto lending efforts. Support extending the upcoming rule curbing short-term pay day and car title loans to long term payday and car title loans. Oppose granting certiorari in the case of Midland Funding LLC v. Madden. Support Director Cordray speaking to advocates from across the country about financial reform issues Oppose all budget riders to weaken the powers, structure, or funding of the CFPB --particularly opposing proposals that would limit, delay or remove their authority to take action on forced arbitration. Support reassessment of Treasurys plan to eliminate the GSEs capital buffers by the end of 2017. Oppose S. 2663 Oppose HR 5112 Support suspension of GSE dividend payments to Treasury, and require the GSEs to develop and implement capital restoration plans, so they have enough capital to safely manage their business and to support Americas housing finance system. Support the Comprehensive Consumer Credit Reporting Reform Act of 2016 Support HUD AFFH tools as designed to local PHAs and state and local governments with some strengthening suggestions. Support Rep. Meeks Congressional sign-on letter to the regulators urging better enforcement of the ComSupport the Consumer Financial Protection Bureau (CFPB) for releasing a strong proposed payday and car title lending rule and urge the Bureau to close some concerning loopholes that would allow some lenders to continue making harmful loans business as usual.munity Reinvestment Act Support the elimination / reduction of loan level price adjustments Support capturing the borrowers preferred language on mortgage application forms. Support HR 4893 Support principal reduction by HUD and FHFA. Support proposed CFPB rule to limit forced arbitration by financial services Support letter by Congressman Meeks (NY) to federal bank regulators that seeks reforms to CRA regulations and examinations practices. Support the proposed affordability standard set by Federal Insurance Office for future auto insurance research Oppose HR 5893 Support the inclusion of a company satisfaction survey to the CFPBs complaint process Oppose CFPB outline of proposed regulations of debt collection as they fail to sufficiently improve protect consumers victimized by predatory debt collection practices. Support proposed rule on short-term loans, including payday and car title loans, support strengthening rule to close loopholes. Oppose Congressional efforts to attach piecemeal GSE reform as amendments to must pass legislation.","Agriculture, Dept of (USDA),Bureau of Alcohol Tobacco Firearms & Explosives,Bureau of Prisons (BOP),Bureau of the Census,Centers For Medicare and Medicaid Services (CMS),Consumer Financial Protection Bureau (CFPB),Council of Economic Advisers (CEA),Defense, Dept of (DOD),Education, Dept of,Election Assistance Commission (EAC),Environmental Protection Agency (EPA),Equal Employment Opportunity Commission (EEOC),Federal Communications Commission (FCC),Federal Deposit Insurance Corporation (FDIC),Federal Housing Finance Agency (FHFA),Federal Trade Commission (FTC),Food & Drug Administration (FDA),Health & Human Services, Dept of (HHS),Homeland Security, Dept of (DHS),HOUSE OF REPRESENTATIVES,Housing & Urban Development, Dept of (HUD),Interior, Dept of (DOI),Justice, Dept of (DOJ),Labor, Dept of (DOL),Natl Credit Union Administration (NCUA),Natl Institute of Standards & Technology (NIST),Natl Telecommunications & Information Administration (NTIA),Office of Faith-Based & Community Initiatives,Office of Management & Budget (OMB),Office of the Comptroller of the Currency (OCC),SENATE,State, Dept of (DOS),Transportation, Dept of (DOT),Treasury, Dept of,U.S. Agency for International Development (USAID),Veterans Affairs, Dept of (VA),White House Office",,68750,0,0,2016-10-11T16:45:29.953000-04:00 1875222,97a15e6f-4da7-4207-8a49-d271cd37755f,Q3,"KABBAGE, INC.",401104099,"KABBAGE, INC.",2016,third_quarter,BAN,"Educating Members of Congress, the OCC, NEC and Treasury Department on FinTech and non-bank lending. Advocating for open federal data (APIs) through Executive Action or Congressional action via H.R. 5725, the IRS Data Verification Modernization Act of 2016 and advocating for Federal Regulatory ""Sandboxes"" via H.R. 6118, the Financial Services Innovation Act of 2016. Discussing the possibilities of FinTech regulation with the OCC.","HOUSE OF REPRESENTATIVES,Natl Economic Council (NEC),Office of the Comptroller of the Currency (OCC),SENATE,Treasury, Dept of",,120000,0,0,2016-10-12T09:36:36.560000-04:00 1875411,1f97b1ed-ba76-4acf-a1b8-0b56c6e92933,Q3,"ROCKWELL COLLINS, INC",68296,"ROCKWELL COLLINS, INC",2016,third_quarter,BAN,Lobbied Senate to confirm Ex Im Bank Board nominee to secure a quorum.,"Air Force, Dept of,Army, Dept of (Other),Defense, Dept of (DOD),Education, Dept of,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),Labor, Dept of (DOL),Natl Aeronautics & Space Administration (NASA),Natl Telecommunications & Information Administration (NTIA),Navy, Dept of,SENATE,State, Dept of (DOS),Transportation, Dept of (DOT),Treasury, Dept of",,145987,0,0,2016-10-12T11:49:00.610000-04:00 1875579,d4bcfd97-b8c4-465b-ac0d-c3f9d8c35d2a,Q3,WESTERN UNION,323672,WESTERN UNION,2016,third_quarter,BAN,"general cross-border remittance issues; general de-risking issues; general issues concerning money services businesses; general issues related to anti-money laundering and terrorist finance; issues related to implementation of the Dodd-Frank Act regarding money remitters; issues related to financial fraud; regulation and licensing of money remitters; data protection; financial services integration; human trafficking.","HOUSE OF REPRESENTATIVES,SENATE",,220000,0,0,2016-10-12T14:12:14.813000-04:00 1875585,c49650ee-6f99-4f6b-9518-5c54330db0f5,Q3,"THE SMITH-FREE GROUP, LLC",35800,BANK OF AMERICA CORPORATION,2016,third_quarter,BAN,"H.R.2356, Fair Access to Investment Research Act of 2015 (All sections of full text) S.1841, Taxpayer Protection and Responsible Resolution Act (All sections of full text) Discussions regarding dividends of federal reserve banks Monitored H.R.5465, To repeal section 1075 of the Consumer Financial Protection Act of 2010 relating to rules for payment card transactions, and for other purposes.","HOUSE OF REPRESENTATIVES,SENATE",60000,,0,0,2016-10-12T14:20:19.027000-04:00 1875604,72052aa6-0cb7-45dd-842d-09cc177f9095,Q3,"THE SMITH-FREE GROUP, LLC",35800,BANK POLICY INSTITUTE,2016,third_quarter,BAN,"Discussions regarding dividends of federal reserve banks Monitored S.1484, Financial Regulatory Improvement Act of 2015 Monitored H.R.5465, To repeal section 1075 of the Consumer Financial Protection Act of 2010 relating to rules for payment card transactions, and for other purposes.","HOUSE OF REPRESENTATIVES,SENATE",30000,,0,0,2016-10-12T14:22:26.063000-04:00 1875733,dc96dc76-e6ed-4fa6-a0fc-d3d065ab3e31,Q3,"MEHLMAN CONSULTING, INC.",284950,ELECTRONIC RETAILING ASSOCIATION,2016,third_quarter,BAN,"H.R. 766 and S. 2790, The Financial Institution Customer Protection Act - Operation Choke Point.","HOUSE OF REPRESENTATIVES,SENATE",20000,,0,0,2016-10-12T15:13:47.103000-04:00 1875869,32c3b095-024d-4312-906a-30b37e574ee5,Q3,SQUIRE PATTON BOGGS,30906,GAZPROMBANK GPB (OJSC),2016,third_quarter,BAN,Banking laws and regulations including applicable sanctions.,"SENATE,State, Dept of (DOS)",150000,,0,0,2016-10-12T16:23:44.073000-04:00 1875999,64965ff6-199a-43d9-a8fe-e663c9f8811c,Q3,FRESH PRODUCE ASSOCIATION OF THE AMERICAS,15463,FRESH PRODUCE ASSOCIATION OF THE AMERICAS,2016,third_quarter,BAN,Bank Secrecy Act and issues with access to banking services.,"Agriculture, Dept of (USDA),Homeland Security, Dept of (DHS),HOUSE OF REPRESENTATIVES,SENATE,Treasury, Dept of",,,0,0,2016-10-12T18:58:00.180000-04:00 1876004,03b53b8e-3c18-4727-8167-2707439bd6ba,Q3,"NATIONAL ASSOCIATION OF GOVERNMENT GUARANTEED LENDERS, INC.",26796,NATIONAL ASSOCIATION OF GOVERNMENT GUARANTEED LENDERS INC,2016,third_quarter,BAN,"Small Business Administration 7(a) loan program - program policy, appropriations and authorization level S. 2496, Help Small Businesses Access Affordable Credit Act; S. 2992, Small Business Lending Oversight Act of 2016","HOUSE OF REPRESENTATIVES,Office of Management & Budget (OMB),SENATE,Small Business Administration (SBA)",,170000,0,0,2016-10-12T19:04:03.227000-04:00 1876146,7cf45167-701e-4d55-99c5-b2d79d4954fe,Q3,FLORIDA BANKERS ASSOCIATION,305511,FLORIDA BANKERS ASSOCIATION,2016,third_quarter,BAN,Banking Issues,"HOUSE OF REPRESENTATIVES,SENATE",,,0,0,2016-10-13T09:26:51.230000-04:00 1876154,ddcc6a13-9f3e-47f4-85fb-87364013cb90,3A,FLORIDA BANKERS ASSOCIATION,305511,FLORIDA BANKERS ASSOCIATION,2016,third_quarter,BAN,Banking Issues,"HOUSE OF REPRESENTATIVES,SENATE",,,0,0,2016-10-13T09:31:59.207000-04:00 1876304,3e0a98ae-7b87-4aa5-8996-197f83cc13b0,3T,MCLARTY INBOUND LLC,401103585,CAPITAL BANK OF JORDAN,2016,third_quarter,BAN,Develop solution to issues surrounding access to bank deposits in Kurdistan region,"State, Dept of (DOS),Treasury, Dept of",30000,,0,1,2016-10-13T10:38:47.277000-04:00 1876490,d51a4c5d-b482-4ec5-b974-2fb367fe60e8,Q3,"MEHLMAN CONSULTING, INC.",284950,NATIONAL VENTURE CAPITAL ASSOCIATION,2016,third_quarter,BAN,Issues relating to banking regulation and definitions.,"HOUSE OF REPRESENTATIVES,SENATE",60000,,0,0,2016-10-13T11:35:06.117000-04:00 1876605,e582a0fe-cb05-441b-bc92-bce8e8ce48fc,Q3,MARIJUANA POLICY PROJECT,74330,MARIJUANA POLICY PROJECT,2016,third_quarter,BAN,Lobbied US House members and members of the Senate Appropriations Committee to adopt appropriations measures that would have allowed banks and other financial institutions to accept state-legal marijuana businesses as clients.,"HOUSE OF REPRESENTATIVES,SENATE",,20000,0,0,2016-10-13T13:13:43.867000-04:00 1876752,21db48d5-c344-4997-8b00-a53fed17c3b6,Q3,"ADVANCED POLICY CONSULTING, LLC",401103524,MANUFACTURED HOUSING INSTITUTE (MHI),2016,third_quarter,BAN,"H.R. 650, ""Preserving Access to Manufactured Housing Act of 2015"" and S.682, ""Preserving Access to Manufactured Housing Act of 2015."" Senate Financial Services Appropriations Bill as it relates to Manufactured Housing provisions contained in S. 682 and House Financial Services Appropriations Bill as it relates to Manufactured Housing provisions contained in H.R. 650. H.R. 5983, the Financial CHOICE Act of 2016 as it relates to manufactured housing.","HOUSE OF REPRESENTATIVES,SENATE",20000,,0,0,2016-10-13T14:09:17.843000-04:00 1876794,b819472e-067d-4bb7-b21f-8f4503e17e9f,Q3,PHILIP BECHTEL,284356,COUNCIL OF FEDERAL HOME LOAN BANKS,2016,third_quarter,BAN,"Housing finance reform; Dodd-Frank implementation; covered bond legislation; Basel III implementation; HR 299 - FHLBank membership for privately insured credit unions; qualified mortgage regulations - status of FHLBank loans- S. 1974- Relationship Lending Preservation Act of 2015; regulatory reform legislation -(S. 1484- Financial Regulatory Improvement Act of 2015); CFTC Reauthorization Legislation - Identified Banking Products treatment for FHLBank advances; FDIC Small Bank Assessment regulation; FHFA rulemaking, including FHLBank membership rule and related legislation (S. 1484; H.R. 3808); Federal Reserve Proposed Rule on Single-Counterparty Credit Exposures; Fed/FDIC/OCC proposed rule on Long Term Liquidity Requirements (NSFR); general FHLBank matters.","Federal Deposit Insurance Corporation (FDIC),Federal Housing Finance Agency (FHFA),Federal Reserve System,HOUSE OF REPRESENTATIVES,Office of the Comptroller of the Currency (OCC),SENATE",70000,,0,0,2016-10-13T14:35:54.847000-04:00 1876836,aa8d094d-fca3-4f6b-bb4a-53ab78fc3ee7,Q3,KATE MOSS,25988,TRANSUNION CORPORATION,2016,third_quarter,BAN,"Issues relating to CFPB, Identity Theft, Data Brokers & Cybersecurity","HOUSE OF REPRESENTATIVES,SENATE",20000,,0,0,2016-10-13T15:11:33.657000-04:00 1876841,887e9fb9-55b2-407b-a44a-89b287362aab,Q3,KATE MOSS,25988,DISCOVER FINANCIAL SERVICES,2016,third_quarter,BAN,Issues impacting credit cards & SIFI Designation,"HOUSE OF REPRESENTATIVES,SENATE",20000,,0,0,2016-10-13T15:14:37.410000-04:00 1876866,3884e89a-4ae4-44bb-b292-7af6c2a71ec5,Q3,NELSON MULLINS RILEY & SCARBOROUGH,285871,COALITION FOR RESPONSIBLE BUSINESS FINANCE,2016,third_quarter,BAN,Background and education on non-traditional small business lending,"HOUSE OF REPRESENTATIVES,SENATE",30000,,0,0,2016-10-13T15:33:50.793000-04:00 1877064,5d9807d5-8a56-41a1-8110-68d638d126d6,Q3,CALIFORNIA AND NEVADA CREDIT UNION LEAGUES,7725,CALIFORNIA AND NEVADA CREDIT UNION LEAGUES,2016,third_quarter,BAN,"H.R. 989, supplemental capital. H.R. 1188 member business lending. H.R. 1133 veterans exemption to member business lending cap. H.R. 299 privately insured credit unions. H.R. 601 privacy notifications.H.R. 1422 residential parity. H.R. 2679, risk based capital stop and study act. S. 1484, regulatory relief. S.2028, member business lending. S. 1440, residential parity. S. 961, data security. Merchant data breaches as they apply to financial institutions. EMV chip-card conversions. National Credit Union Administration and Consumer Financial Protection Bureau regulatory issues. Proposed rules on Field of Membership and Member Business Lending. Credit union examinations. Risk-based capital. Truth in lending disclosures (TRID). HMDA Home Mortgage Disclosure Act. Community lender exemption authority to Dodd-Frank Wall Street Reform and Consumer Protection Act. Property Assessed Clean Energy (PACE) lending and priority liens. Fair Credit Reporting Act - Federal Trade Commission.","Consumer Financial Protection Bureau (CFPB),Federal Trade Commission (FTC),HOUSE OF REPRESENTATIVES,Natl Credit Union Administration (NCUA),SENATE",,110000,0,0,2016-10-13T18:48:18.940000-04:00 1877605,b05f0ac1-bdab-48fb-a5fd-a0a925d8c966,Q3,NORTH AMERICAN EQUIPMENT DEALERS ASSOCIATION (FORMERLY KNOWN AS EQUIPMENT DEALER,56997,NORTH AMERICAN EQUIPMENT DEALERS ASSOCIATION (FORMERLY KNOWN AS EQUIPMENT DEALER,2016,third_quarter,BAN,Following credit legislation / issues that affect the availability of both wholesale and retail financing options for our equipment dealer members.,"Army, Dept of (Corps of Engineers),Bureau of Citizenship & Immigration Services (BCIS),Environmental Protection Agency (EPA),HOUSE OF REPRESENTATIVES,Labor, Dept of (DOL),Natl Labor Relations Board (NLRB),SENATE,State, Dept of (DOS),White House Office",,52809,0,0,2016-10-14T13:00:51.887000-04:00 1877864,c657152e-9e88-4e1c-bf7f-4f4a014fdeda,Q3,AKIN GUMP STRAUSS HAUER & FELD,682,"EMVCO, LLC",2016,third_quarter,BAN,Education on the role and responsibility of setting global payment standards to ensure interoperability and acceptance of secure payment transactions.,"Federal Trade Commission (FTC),HOUSE OF REPRESENTATIVES,SENATE",70000,,0,0,2016-10-14T15:16:16.503000-04:00 1878069,d2642061-9ac6-47c5-9657-f575f678ac73,Q3,DISCOVER FINANCIAL SERVICES,318414,DISCOVER FINANCIAL SERVICES,2016,third_quarter,BAN,"Issues related to Systemically Important Financial Institutions (SIFI) designation; S 1484 -Financial Regulatory Improvement Act of 2015 HR 1309 - Systemic Risk Designation Improvement Act of 2015 HR 5983 - Financial CHOICE Act of 2106","HOUSE OF REPRESENTATIVES,SENATE",,490000,0,0,2016-10-14T16:45:21.647000-04:00 1878191,66998bad-0c55-4cf8-903a-fd5a8b04496d,Q3,TG&C GROUP,400878571,"RBS CITIZENS, N.A.",2016,third_quarter,BAN,Dodd/Frank implementation. Congressional and CFPB oversight of private student lending.,"HOUSE OF REPRESENTATIVES,SENATE",22500,,0,0,2016-10-14T18:10:58.770000-04:00 1878367,e1e8d39d-b641-43b9-93d0-df99de42b007,Q3,"CAPITOL VENTURES GOVERNMENT RELATIONS, LLC",400490410,NATIONAL RURAL LENDERS ASSOCIATION,2016,third_quarter,BAN,Rural lending,"Agriculture, Dept of (USDA),HOUSE OF REPRESENTATIVES,SENATE",20000,,0,0,2016-10-16T12:48:04.200000-04:00 1878537,6528c5ae-7d5c-4c1a-8f2f-b7d7d8362a33,Q3,"WILLIAMS AND JENSEN, PLLC",41454,TRANSAMERICA COMPANIES (FORMLY AEGON),2016,third_quarter,BAN,Financial Services legislation.,"HOUSE OF REPRESENTATIVES,SENATE",70000,,0,0,2016-10-17T09:36:49.863000-04:00 1878545,281bcd40-2d57-4ca0-ba0a-71137de4425b,Q3,"WILLIAMS AND JENSEN, PLLC",41454,AMERICAN COUNCIL OF LIFE INSURERS,2016,third_quarter,BAN,Financial Services legislation.,"HOUSE OF REPRESENTATIVES,SENATE",60000,,0,0,2016-10-17T09:37:54.770000-04:00 1878590,09bbca22-9fb6-4926-b580-30e0d73dfc53,Q3,"UNITED AUTOMOBILE, AEROSPACE & AGRICULTURAL IMPLEMENT WORKERS",39052,UNITED AUTOMOBILE AEROSPACE & AGRICULTURAL IMPLEMENT WORKERS,2016,third_quarter,BAN,"Puerto Rico Financial Crisis; S. 2328 ""Puerto Rico Oversight, Management, and Economic Stability Act""; Consumer Rights; Medicare and Medicaid.","Commerce, Dept of (DOC),Education, Dept of,Energy, Dept of,Environmental Protection Agency (EPA),Executive Office of the President (EOP),Federal Housing Finance Agency (FHFA),Health & Human Services, Dept of (HHS),Homeland Security, Dept of (DHS),HOUSE OF REPRESENTATIVES,Labor, Dept of (DOL),Natl Economic Council (NEC),Natl Highway Traffic Safety Administration (NHTSA),Office of Management & Budget (OMB),SENATE,State, Dept of (DOS),Treasury, Dept of,U.S. International Trade Commission (ITC),U.S. Trade Representative (USTR),White House Office",,422000,0,0,2016-10-17T09:45:15.077000-04:00 1878610,01bf39ca-3052-4a23-ae99-93633dba786e,Q3,"WILLIAMS AND JENSEN, PLLC",41454,HSBC - NORTH AMERICA,2016,third_quarter,BAN,"Bank regulation including structure, prudential regulation and resolution. CEA Reauthorization Bill, (H.R. 2289) regarding Internal Risk Management transactions. Ex-Im Bank.","HOUSE OF REPRESENTATIVES,SENATE",50000,,0,0,2016-10-17T09:50:26.443000-04:00 1878701,036cfb62-954f-4786-b010-2d603d2df255,Q3,AMERICAN INSURANCE ASSN,2662,AMERICAN INSURANCE ASSN,2016,third_quarter,BAN,"H.RES.735/ S.RES.561, Expressing the sense of the House of Representatives that recently proposed measures that will reduce transparency and public participation at the International Association of Insurance Supervisors (IAIS) should be disapproved by United States representatives to the IAIS. (entire bill) S.1484, Financial Regulatory Improvement Act of 2015- An original bill to improve accountability and transparency in the United States financial regulatory system, protect access to credit for consumers, provide sensible relief to financial institutions, and for other purposes. (Title III, Title IV, Title V) H.R.2205, Data Security Act of 2015- To protect financial information relating to consumers, to require notice of security breaches, and for other purposes. Issues related to Systemically Important Financial Institution. Issues related to the application of capital standards on globally active insurance companies. Issues related to cyber insurance and data breach.","Federal Emergency Management Agency (FEMA),Federal Reserve System,Homeland Security, Dept of (DHS),HOUSE OF REPRESENTATIVES,Labor, Dept of (DOL),Office of Management & Budget (OMB),SENATE,Treasury, Dept of",,390000,0,0,2016-10-17T10:35:18.263000-04:00 1878729,3c89679e-ae28-49f3-ba6a-682e83744748,Q3,NEW YORK BANKERS ASSOCIATION,29163,NEW YORK BANKERS ASSOCIATION,2016,third_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 Cybersecurity legislation: (H.R. 1731, S.1927, S.961); Regulatory Relief bills (H.R. 601, H.R. 1259, H.R.1480, H.R.1265, H.R. 685, S.774, S.1484, H.R.1553), Community Banks legislation (H.R. 1389, H.R. 1233), Portfolio Lending relief (H.R.1210); credit union tax treatment (H.R. 1188), Mutual Bank legislation (H.R.4252); Mutual Charter Relief (H.R. 1660, H.R. 1661), Patent Troll relief (S.1137), the TAILOR Act (H.R.2896), Highway Trust Fund/ Federal Reserve Dividend; Retail Investor Protection Act (H.R. 1090); TILA RESPA Safe Harbor (H.R.3192); Interchange Fees (H.R.5465); Data Security Act (H.R. 2205)","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)",,35000,0,0,2016-10-17T10:39:34.453000-04:00 1878758,7977081f-536a-4a07-b938-427f04d3f934,Q3,ELECTRONIC TRANSACTIONS ASSOCIATION,401103094,ELECTRONIC TRANSACTIONS ASSOCIATION,2016,third_quarter,BAN,"Mobile payments, fraud, data security, patent reform, data storage regulatory reform, tax reporting, payments systems, cyber-security, financial services, merchant cash advances, privacy, the Federal Reserve and big data, Cuba trade embargo, CFPB appropriating process, CFPB prepaid products proposed rule (Prepaid Accounts Under Direct Electronic Transfer Act {Regulation E} and the Truth in Lending Act), Federal Reserve Secure Payments Task Force,the FCC Proposed Rules to Protect Broadband Consumer Privacy, H.R.1265-Bureau Advisory Commission Transparency Act, S.510 CFPB-IG Act of 2015, H.R.957-CFPB-IG Act of 2015, H.R. 2205-Data Security Act of 2015, H.R. 1195-Bureau of Consumer Financial Protection Advisory Boards Act, H.R.1266-Financial Product Safety Commission Act of 2015, H.R. 766-Financial Institution Customer Protection Act of 2016, H.R. 1770-The Data Security and Breach Notification Act of 2015, Executive Order 13673- Fair Pay and Safe Working place, Marketplace lending, Robocalling, Trans Pacific Partnership,H.R. 719-CFPB proposed rule governing pre-dispute arbitration agreements for consumer financial products and services.HR 1486-Taking Account of Bureaucrats' Spending Act of 2015, H.R. 5724-Protecting Consumer Access to Credit Act of 2016, S.3067-Financial Services and General Government Appropriations Act, 2017, H.R.5485-2017 Financial Services and General Government Appropriation, H.R. 6162-Protect Prepaid Accounts Act of 2016, H.R. 6118-Financial Services Innovations Act of 2016, H.RES. 835-National FinTech Policy Day, H.R. 5725-IRS Data Verification Modernization Act.","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),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,State, Dept of (DOS),Treasury, Dept of,U.S. Trade Representative (USTR)",,220000,0,0,2016-10-17T10:55:56.767000-04:00 1878775,7b075fde-d55d-4ae4-ac5a-4342d9438f19,Q3,"WILLIAMS AND JENSEN, PLLC",41454,FEDERAL HOME LOAN BANK OF CINCINNATI,2016,third_quarter,BAN,"GSE reform and Dodd-Frank; Qualified Mortgage Safe Harbor; FHFA- Federal Home Loan Bank membership eligibility requirements; H.R. 3808, FHL Bank Membership; H.R. 299.","HOUSE OF REPRESENTATIVES,SENATE",20000,,0,0,2016-10-17T11:01:05.050000-04:00 1878798,d6cf1e99-be28-49ab-b182-dee3cd55d41f,Q3,BANK OF AMERICA CORPORATION,26400,BANK OF AMERICA CORPORATION,2016,third_quarter,BAN,"HR 5983, The Financial CHOICE Act of 2016, issues related to bank regulatory reform, interchange fee and Dodd-Frank Act; HR 2209, To require the appropriate Federal banking agencies to treat certain municipal obligations as level 2A liquid assets, and for other purposes, issues related to liquidity coverage ratio treatment of municipal bonds; HR 5465, To repeal Section 1075 of the Consumer Financial Protection Act of 2010, issues related to interchange fee and Dodd-Frank Act; General issues related to UN Treaty on Receivables; General issues related to cyber security; General issues related to financial technology; General issues related to data security, payments & breach notification.","HOUSE OF REPRESENTATIVES,SENATE,Treasury, Dept of",,480000,0,0,2016-10-17T11:05:22.587000-04:00 1878923,725b1717-9529-4f20-9634-3a5734db1ba7,Q3,KENNETH GEAR,400384772,LEADING BUILDERS OF AMERICA,2016,third_quarter,BAN,"HR 685 - Mortgage Choice Act of 2015 No bill number; Mortgage Finance Reform No bill number; issues relating to access to mortgage credit","Energy, Dept of,Federal Housing Finance Agency (FHFA),HOUSE OF REPRESENTATIVES,Housing & Urban Development, Dept of (HUD),Internal Revenue Service (IRS),SENATE,Small Business Administration (SBA),Treasury, Dept of",90000,,0,0,2016-10-17T11:31:38.673000-04:00 1878947,67a39dd6-6f89-4507-9ae0-522249a2af5c,Q3,"THE SMITH-FREE GROUP, LLC",35800,HSBC TECHNOLOGY & SERVICES (USA) INC,2016,third_quarter,BAN,"Monitored discussions regarding dividends of federal reserve banks Monitored S.1484, Financial Regulatory Improvement Act of 2015",,30000,,0,0,2016-10-17T11:35:49.943000-04:00 1879008,52dea106-657d-4708-8db4-9da3c7d117b8,Q3,"THE SMITH-FREE GROUP, LLC",35800,REGIONS FINANCIAL CORPORATION,2016,third_quarter,BAN,"H.R.1309, Systemic Risk Designation Improvement Act of 2015 (All sections of full text)- Efforts in support of bill S.1484, Financial Regulatory Improvement Act of 2015 (All sections of full text) Monitored discussions regarding dividends of federal reserve banks Monitored H.R.5465, To repeal section 1075 of the Consumer Financial Protection Act of 2010 relating to rules for payment card transactions, and for other purposes.","HOUSE OF REPRESENTATIVES,SENATE",20000,,0,0,2016-10-17T11:41:21.853000-04:00 1879024,277c314d-0095-44c3-8f51-0027d232fae9,Q3,CREDIT UNION NATIONAL ASSOCIATION. INC. DBA AMERICA'S CREDIT UNIONS,11322,"CREDIT UNION NATIONAL ASSOCIATION, INC. DBA AMERICA'S CREDIT UNIONS",2016,third_quarter,BAN,"Issues related to credit union operations Issues related to credit union field of membership Issues related to credit union service organizations Issues related to vacancies on the National Credit Union Administration (NCUA) Board Issues related to NCUAs low income designation regulations Issues related to NCUA examination procedures Issues related to NCUAs regulation regarding its regulatory flexibility program Issues related to NCUAs proposed rule regarding emergency liquidity Issues related to NCUAs rulemaking process Issues related to material loss reports of the NCUA Office of Inspector General Issues related to the authority of the CFPB to exempt credit unions from its rulemaking Issues related to the CFPB proposal related to remittances and international wire transfers Issues related to the proposed CFPB form on RESPA/TILA Issues related to CFPBs Leadership Structure and Installing a Board Rather than Director Issues related to funding the CFPB through the Appropriations Process Issues related to increasing the CFPB Examination Threshold Issues related to conducting a cost-benefit analysis of all CFPB Proposals Issues related to codifying the CFPBs Credit Union Advisory Council Issues related to requiring SBREFA Panels for CFPB Rulemakings Issues related to standardizing the definition of mortgage originator Issues related to overdraft protection and check ordering practices Issues related to mortgage servicing Issues related to mortgage loan originator compensation and qualifications Issues related to high-cost mortgage loans (HOEPA) Issues related to the CFPBs proposed rule regarding qualified mortgage / ability to repay Issues related to reverse mortgages Issues related to the Financial Accounting Standards Board (FASB) Issues related to mark-to-market accounting Issues related to private equity standards Issues related to the implementation of the Unlawful Internet Gambling Prohibition Act Issues related to data and cyber security Issues related to mobile banking and mobile payments Issues related to the oversight of the Federal Housing Administration Issues related to USDA Rural Development Loan program Issues related to identity theft and fraud reduction Issues related to student lending Issues related to the Federal Home Loan Bank System Issues related to short term lending products and advance deposit products Issues related to patent reform Issues related to Federal Credit Union bylaws Issues relating to home-based credit unions Issues related to NCUAs risk-based capital proposal Issues related to NCUAs proposed rule on securitization Issues related to NCUAs regulatory review process Issues related to credit union loan maturity restrictions Issues related to credit union investment authority Issues related to Regulation of Federal Credit Union by-laws Issues related to credit unions incidental powers Issues related to credit unions ability to offer prepaid cards Issues related to Ginnie Mae capital Issues related to credit union service to marijuana businesses Issues related to financial literacy Issues related to the Department of Justices investigation entitled, Operation Choke Point Issues related to membership eligibility in the Federal Home Loan Bank System. Issues related to the Department of Defense proposal regarding Credit Extending to Service Members under MLA Issues related to the Economic Growth and Regulatory Paperwork Reduction Act process Issues related to indirect auto lending Issues related to fixed assets Issues related to merchant data breaches Issues related to the payments system Issues related to FHFA proposed rules and FHLB eligibility for credit unions Issues related to Federal Reserve Regulatory D Issues related to 1-4 Family Non-Owner Occupied Residential Loan Treatment as Residential Rather than Business Loans Issues related to the use of Eminent Domain to Seize Performing Mortgage Loans Issues related to Housing Finance Reform Issues related to the implementation of the remittances provisions in the Dodd-Frank Act Issues related to NCUAs proposal rule on Member Business Lending Issues related to NCUAs proposed rule on Interest on Lawyer Trust Accounts (IOLTA) Issues related to credit union service to unbanked and underbanked consumers Issues related to the United States Postal Service Office of Inspector General report related to role of the postal service in financial services Issues related to the Feds implementation of same-day ACH Issues related to the regulation of corporate credit unions Issues related to the CFPBs proposed regulation on Home Mortgage Disclosure Act (Regulation C) Issues related to the payday, vehicle title, and similar lending Issues related to the CFPBs consumer complaint database Issues related to NCUAs Fixed Assets rule Issues related to NCUAs definition of small entity Issues related to NCUA's Proposed Rule on Member Business Lending Issues related to the Department of Labor's Proposed Rule on the Definition of Fiduciary Issues related to the Telephone Consumer Protection Act Issues related to the Bank Secrecy Act and Currency Transaction Reporting Requirements Issues related to the Department of Labor's Proposed Overtime Eligibility rule Issues related to credit union conversions Issues related to the CFPB's proposal on arbitration Issues related to secure payments Issues related to credit union call report modernization H.R. 9, the Innovation Act, all provisions H.R. 22, the FAST Act, Title LXXV, provisions related to privacy notice requirements; Title LXXXII, provisions related to the eligibility of privately insured credit unions to join a Federal Home Loan Bank; Title LXXXIX, provisions related to the designation of rural areas by the Consumer Financial Protection Bureau H.R. 185, Regulatory Accountability Act of 2015 H.R. 299, the Capital Access for Small Community Financial Institutions Act of 2015, all provisions H.R. 527, the Small Business Regulatory Flexibility Improvements Act of 2015 H.R. 601, the Eliminate Privacy Notice Confusion Act, all provisions H.R. 650, Preserving Access to Manufactured Housing Act, all provision H.R. 685, the Mortgage Choice Act, all provisions H.R. 766, Financial Institution Consumer Protection Act, all provisions H.R. 957, the Bureau of Consumer Financial Protection Inspector General Reform Act, all provisions H.R. 989, the Capital Access for Small Businesses Jobs Creation Act, all provisions H.R. 1090, Retail Investor Protection Act, all provisions H.R. 1176, the NCUA Budget Transparency Act, all provisions H.R. 1188, the Credit Union Small Business Jobs Creation Act, all provisions H.R. 1195, the Bureau of Consumer Financial Protection Advisory Boards Act, all provisions H.R. 1210, the Portfolio Lending and Mortgage Access Act, H.R. 1233, the Community Lending Enhancement and Regulatory Relief Act of 2015 H.R. 1259, the Helping Expand Lending Practices in Rural Communities Act, all provisions H.R. 1263, Consumer Financial Protection Safety and Soundness Improvement Act of 2015 H.R. 1265, the Bureau Advisory Commission Transparency Act, all provision H.R. 1266, the Financial Products Safety Commission Act of 2015 H.R. 1408, requiring a study of the capital requirements for mortgage servicing assets H.R. 1422, the Credit Union Residential Loan Parity Act H.R. 1480, the SAFE Confidentiality and Privilege Enhancement Act H.R. 1523, Community Bank Access to Capital Act of 2015 H.R. 1529, the Community Institution Mortgage Relief Act Discussion Draft, Data Security and Breach Notification Act of 2015 H.R. 1660, the Federal Savings Association Charter Flexibility Act, all provisions H.R. 1941, the Financial Institution Examination Fairness and Reform Act H.R. 2205, the Data Security Act H.R. 2213, to provide for a temporary safe harbor from the enforcement of integrated disclosure requirements for mortgage loan transactions under the Real Estate Settlement Procedures Act of 1974 and the Truth in Lending Act, and for other purposes. H.R. 2287, the National Credit Union Administration Budget Transparency Act H.R. 2473, the Preserving Capital Access and Mortgage Liquidity Act H.R. 2769, the Risk-Based Capital Study Act, all provisions H.R. 2896, the Taking Account of Institutions with Low Operation Risk (TAILOR) Act H.R. 3192, the Homebuyer Assistance Act, all provisions H.R. 4638, the Senior $afe Act, all provisions H.R. 4893, the Risk Management and Homeowner Stability Act, all provisions H.R. 4997, the Home Mortgage Disclosure Adjustment Act, all provisions H.R. 5465, a bill to repeal section 1075 of the Consumer Financial Protection Act of 2010 relating to rules for payment card transactions, all provisions H.R. 5983, the Financial CHOICE Act, all provisions S. 423, the Privacy Notice Modernization Act, all provisions S. 482, the Consumer Financial Protection Bureau Examination Reporting Threshold Act of 2015, all provisions S. 774 Financial Institutions Examination Fairness and Reform Act, all provisions S. 871, the Helping Expand Lending Practices in (HELP) Rural Communities Act S. 924, the National Credit Union Administration Budget Transparency Act S. 961, the Data Security Act S. 1367, a bill to amend the Federal Home Loan Bank Act with respect to membership eligibility of certain institutions S. 1440, the Credit Union Residential Loan Parity Act S. 1484, the Financial Regulatory Improvement Act, Title I S. 2216, the Senior$afe Act, all provisions The Heck-Stivers Amendment to H.R. 1735, the National Defense Authorization Act, related to the Department of Defenses MLA Database Discussion draft of the Financial Creating Hope and Opportunity for Investors, Consumers and Entrepreneurs (CHOICE) Act, all provisions","Agriculture, Dept of (USDA),Consumer Financial Protection Bureau (CFPB),Executive Office of the President (EOP),Federal Communications Commission (FCC),Federal Reserve System,HOUSE OF REPRESENTATIVES,Internal Revenue Service (IRS),Labor, Dept of (DOL),Natl Credit Union Administration (NCUA),SENATE,Small Business Administration (SBA),Treasury, Dept of",,940000,0,0,2016-10-17T11:48:31.483000-04:00 1879095,8ec9ba22-549b-45d8-b74d-c53dce47bd35,Q3,"PAYPAL, INC.",401103770,PAYPAL INC,2016,third_quarter,BAN,"Issues pertaining to mobile payment innovation Issues related to International ACH transactions Issues related to the underserved, under-banked & unbanked communities Issues related to business lending and access to capital, online and marketplace lending Issues related to remittances & money transfers Issues related to consumer credit","Commerce, Dept of (DOC),Consumer Financial Protection Bureau (CFPB),Federal Communications Commission (FCC),Federal Reserve System,Federal Trade Commission (FTC),HOUSE OF REPRESENTATIVES,Internal Revenue Service (IRS),Intl Trade Administration (ITA),Office of the Comptroller of the Currency (OCC),SENATE,Treasury, Dept of,U.S. Trade Representative (USTR),White House Office",,229111,0,0,2016-10-17T12:07:01.843000-04:00 1879134,a22f6336-e0ef-4c40-aea5-d6489dfb1011,Q3,ARNOLD & PORTER KAYE SCHOLER LLP,4301,THE INSTITUTE OF INTERNAL AUDITORS,2016,third_quarter,BAN,"Issues related to comprehensive corporate governance, risk management, financial reform and auditing standards. Issues related to the internal auditing industry. Issues related to appointment process for Inspectors General. Inspector General Empowerment Act (S.579). CFPB IG Act (H.R. 957/S. 510).","HOUSE OF REPRESENTATIVES,SENATE",50000,,0,0,2016-10-17T12:28:23.833000-04:00 1879170,7d578138-187f-4d07-b81d-2173c6efde46,Q3,COUNCIL OF FHLBANKS,11060,COUNCIL OF FHLBANKS,2016,third_quarter,BAN,"Housing finance reform; Dodd-Frank implementation; covered bond legislation; Basel III implementation; HR 299-FHLBank membership for privately insured credit unions; qualified mortgage regulations-status of FHLBank loans- S.1974- Relationship Lending Preservation Act of 2015); regulatory reform legislation - (S.1484- Financial Regulatory Improvement Act of 2015); CFTC Reauthorization Legislation - Identified Banking Products treatment for FHLBank advances; FDIC Small Bank Assessment regulation; FHFA rulemaking, including FHLBank membership rule and related legislation (S. 1484; H.R.3808); Federal Reserve Proposed Rule on Single-Counterparty Credit Exposures; Fed/FDIC/OCC proposed rule on Long Term Liquidity Requirements (NSFR); general FHLBank matters.","Federal Deposit Insurance Corporation (FDIC),Federal Housing Finance Agency (FHFA),Federal Reserve System,HOUSE OF REPRESENTATIVES,Office of the Comptroller of the Currency (OCC),SENATE",,240000,0,0,2016-10-17T12:35:50.917000-04:00 1879365,64ab199d-14a1-433b-b0b7-a978bb02a930,Q3,SQUIRE PATTON BOGGS,30906,CITY OF SAN DIEGO,2016,third_quarter,BAN,Border bank de-risking issues,"Environmental Protection Agency (EPA),Government Accountability Office (GAO),HOUSE OF REPRESENTATIVES,Housing & Urban Development, Dept of (HUD),SENATE,White House Office",40000,,0,0,2016-10-17T13:42:55.210000-04:00 1879445,3eaa3026-13ac-43e4-85f5-838f8a3659f6,Q3,VENABLE LLP,39941,AMERICAN EXPRESS COMPANY,2016,third_quarter,BAN,"Monitoring financial services issues, S. 1484, H.R. 4248, S. 1679, S. 1086","HOUSE OF REPRESENTATIVES,SENATE",50000,,0,0,2016-10-17T13:56:39.317000-04:00 1879528,afac2987-7943-435c-8896-86b7b0dd46ab,Q3,ACG ADVOCACY,2057,"PAULSON & COMPANY, INC.",2016,third_quarter,BAN,Housing Finance Issues.,"HOUSE OF REPRESENTATIVES,SENATE",50000,,0,0,2016-10-17T14:13:56.987000-04:00 1879540,6d20f28c-cb8b-45a0-929c-b4246f740db0,Q3,POLSINELLI PC,314911,BULBROOK DRISLANE BROKERAGE,2016,third_quarter,BAN,Legislation regarding structured settlements.,HOUSE OF REPRESENTATIVES,,,0,0,2016-10-17T14:15:03.350000-04:00 1879575,a906c3ef-b635-4fa8-a513-308da85f1441,Q3,"MERCURY PUBLIC AFFAIRS, LLC",70175,NATIONAL PUBLIC FINANCE GUARANTEE CORPORATION,2016,third_quarter,BAN,Puerto Rico Debt Reform,"HOUSE OF REPRESENTATIVES,SENATE",50000,,0,0,2016-10-17T14:20:29.603000-04:00 1879686,bfc712c2-8110-4f92-99ef-1b08d3d41d34,Q3,COMMUNITY BANKERS ASSOCIATION OF ILLINOIS,400531588,COMMUNITY BANKERS ASSOCIATION OF ILLINOIS,2016,third_quarter,BAN,"Community Bankers Association of Illinois (CBAI) 2016 Federal Policy Priorities (House and Senate, Federal Reserve) Too-Big-To-Fail Banks and Financial Firms, Our Financial System, Economy, and American Taxpayers - Future Bailouts Reforming the financial system to reduce the possibility, probability, and severity of a future financial crisis - the perception and reality of too-big-to-fail (TBTF) - taxpayer bailouts of mega banks and financial firms - downsize TBTFs Growth, complexity, and interconnection of the TBTF banks - candidates for future bailouts - falling number of community banks representing less than one-fifth of banking professions assets TBTF banks and the mortgage meltdown and financial crisis - protection from massive financial destruction - taxpayer outrage at TBTFs - violations of the law (often criminal) and billions of dollars in fines, settlements and deferred prosecution agreements (conditional amnesty) TBTF effective management, supervision, discipline, and resolution - multi-trillion dollar financial assistance - rightful failure - little assistance for community banks - 500 subsequent failures and devastation U.S. Attorney General Eric Holder admission of a two-tiered system of justice, one for TBTF banks another for everyone else - board resolutions, MOUs, C&Ds, consent orders, monetary penalties, barring individuals from banking, criminal prosecution for community bank, directors, and officers - evidence of a double standard Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 (Dodd-Frank) in Title II - end TBTF bailouts - Wall Street TBTF ""single point of entry"" (SPOE) plan for resolving failed Systemically Important Financial Institutions (SIFIs) - ensuring future bailouts for SIFIs imposing costs of bailouts on ordinary investors and taxpayers. SIFIs special long-term bonds - conversion to equity when a SIFI fails - sale of bonds to non-systemic investors - ordinary investors primary losers upon conversion into equity - insufficient to recapitalize a failed SIFI, the FDIC borrowing needed funds from the Treasury Department through the Orderly Liquidation Fund (OLF) - OLF current zero balance - backstopped by American taxpayers. Consideration of alternate resolution plans of Arthur Wilmarth, George Washington University Law School - TBTF internalize systemic risks - reduction in size and complexity - prohibition from selling special long-term bonds to ordinary individuals - SIFIs pay risk-adjusted insurance-type premiums to prefund the OLF at a level of $300 billion or more - incentive compensation rule to require SIFIs to pay at least half of total compensation to senior executives and other key employees in the form of contingent convertible bonds - expose insiders to immediate losses if SIFI fail during employment or during post-employment holding period Financial Accounting Standards Board (FASB) Current Expected Credit Loss (CECL) Model Financial Accounting Standards Board (FASB) proposed Current Expected Credit Loss (CECL) model - implications for community banks - prepare financial institutions for a future crisis - use of forward looking information in calculating loan loss reserves The current Incurred Loss model vs. CECL - estimated day one loss and adjust estimated losses continually throughout the life of each loan - pure speculation - CECL models extensive operating system changes and cash flow modeling capabilities - cost and regulatory burden - added reserves - lower future profits, reduce capital levels, decrease community bank lending Tiered Regulation and Supervision for Community Banks - The Independent Community Bankers of Americas Plan for Prosperity- Outsized risks taken by TBTFs during the financial crisis - different/modest risks posed by community banks - regulations reflecting those differences - regulatory burden on community banks - one-size-fits-all approach - disproportionate burden of banking laws and regulations on community banks Credit unions, Farm Credit System lenders and other non-bank financial service providers not subject to the same laws and regulations as community banks - unlevel playing field - a significant competitive disadvantage for community banks Independent Community Bankers of Americas (ICBA) Plan for Prosperity - a regulatory platform - community banks able to thrive and contribute to local economies Address excessive, redundant and costly regulations - regulatory accountability - community banks dedicating resources to promoting economic growth - steady increase in regulations over many decades - regulatory threats to community banks and their communities. The Plan for Prosperity: Basel III original intent. accurately identify Systemic Risk additional capital for small holding companies - modernizing the Federal Reserves Policy Statement relief from Securities and Exchange Commission (SEC) rules robust housing market - reform mortgage lending community bank mortgage servicing accountability in bank exams - providing a workable appeals process bank oversight and examinations - better target risk risk targeting in the Volker Rule consumer regulation and inclusive and accountable CFPB governance arbitrary disparate impact fair lending causes of action viability of mutual banks - new charter and capital options rigorous and quantitative cost-benefit analysis - justify new rules red tape in small business lending - eliminating burdensome data collection credit for low and moderate income customers and American agriculture subchapter S corporation constraints Limited Liability Corporation (LLC) option for community banks Bank Qualified (BQ) bond issuer limitations five-year loss carryback to support lending during economic downturns. Tiered regulatory system based on size and risk profile - banking law, rule, and regulation distinguishing and appropriately regulating community banks. Credit Union Taxation and Expansion of Powers - Credit unions distinguishable from community banks - grown to control a significant share of the banking services market - outdated original business model - straying from founding purpose of serving individuals of modest means and with a common bond - same financial services as community banks - justification for federal tax-exempt status in exchange for serving their original mission - credit unions paying their fair share of income taxes - credit unions adhering to a common bond or operating within a well-defined local community, neighborhood or rural district - tax subsidy and level the playing field between credit unions and tax-paying community banks Credit unions similarity to other types of mutually owned financial institutions - savings banks (SB) and savings and loans (S&L) - the exemption for SBs and S&Ls repealed by Congress in 1951 - (reason) - active competition with taxable institutions [community banks] Credit union expansion of commercial lending powers - increasing the percentage of cap on member business lending (MBL) - loan growth at the expense of tax-paying community banks - fundamental altering the exclusive member-focused character of credit unions - condition for their original tax exemption Applying Community Reinvestment Act (CRA) requirements to credit unions - same asset size distinction as banks and thrifts - the same Call Report filing requirements for credit unions as those imposed on community banks Support and cooperation of NCUA the cheerleader regulator of credit unions - expansion of membership proposal - weaken the common bond requirement - disregarding Congressional limits - end around Congress. Farm Credit System (FCS) - Expansionist agenda of the Farm Credit System (FCS) - the equivalent of commercial banks yet retaining the benefits of Government Sponsored Enterprise (GSE) status - tax advantages - unfair competitive advantage - follow narrow historic mission - abolish or be subject to taxation and oversight and regulation Narrow founding purpose of the System to serve bona fide farmers, ranchers, young-beginning farmers, small farmers, and their farmer-owned cooperatives Support and cooperation of cheerleader regulator of FCS lenders -Farm Credit Administration (FCA) - straying beyond its original mission and scope and engaging in inappropriate and unprecedented lending activities - FCS significant systemic and taxpayer bail-out risks FCS (the only GSE) in active competition with community banks - public sector (multi-billion dollar GSE) competition with the private sector (Main Street community banks) Funding and tax benefit impact on community banks - not following its narrow historical mission - follow narrow mission or abolish FCSystem - abolished or taxation when exceeding a given asset threshold, lending to large borrowers, or engaging in non-farm lending activity FCS requirement to engage in joint rulemaking with federal banking agencies, a member of a federal banking agency on its three person board, requirement to register a class of stock with the Securities and Exchange Commission (SEC), full disclosure as required by the SEC Act, publication of instances of illegal lending and exemptions granted, and subject to regulatory safeguards, disclosures and controls equal to community banks and housing GSEs, including CFPB oversight Congress convening joint committee hearings to investigate the operations, supervision, risks and financial soundness of the FCS, and impact on rural community banks Data, Cyber and Payment Card Security (Data Security) Wide-scale data security breaches at national retail chain stores and other entities - community banks reissuing credit and debit cards at a significant cost - community banks on the frontline of defending against cyber security threats and strong guardians of the security and confidentiality of customer information - central to maintaining public trust and the key to long-term customer retention Core data security principals - cost of data breaches borne by that party that caused the breach - all participants in the payment system (including merchants) should be subject to 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 standards should ensure that community banks are not burdened with having to implement and comply with new regulations to achieve the same superior results they currently attain - community banks reliance on third party service providers - delicate balance between securing/sharing appropriate customer information Mortgage Lending and Housing Finance Reform Imprudent mortgage lendings contribution to the mortgage meltdown and the financial crisis - community banks common sense relationship lending - no need for prescriptive regulations to compel doing what is right for their customers - not negatively impacting responsible community bank loan products to meet diverse needs of their customers including borrowers with special needs and circumstances, first-time homebuyers, borrowers in rural and underserved areas, and low-to-moderate income borrowers - recognize differences between the non-traditional lending practiced by community banks and the predatory lending practices of others All community bank loans held in portfolio for the life of the loan, including balloon payment loans, in all geographic areas, receive automatic Qualified Mortgage (QM) status and an automatic exemption from escrow requirements for Higher-Priced Mortgage Loans (HPMLs) - an increase in the small servicer exemption, an increase in the HMDA reporting levels - a formalized safe harbor during the TRID implementation period - broad special accommodations for community banks to provide flexibility in serving the needs of their customers and communities, particularly in rural areas - and expand definition of underserved areas to include economically challenged areas Untenable long-term position of government sponsored entities (GSEs) Fannie Mae (Fannie) and Freddie Mac (Freddie) in conservatorship by the United States Treasury run by the Federal Housing Finance Agency (FHFA). In reforming to the housing GSEs, the need for the continued existence of an impartial secondary market for residential mortgages for community banks which is financially strong and reliable - the need for 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 - no limit in full participation by community banks or disruption in the housing market - the return of private capital to reduce the reliance on government funding - protection of taxpayers from another bailout. Community bank sale of loans through an independent entity - not competing 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 the governmental guaranty being fair and equal to all participants regardless of volume of loans guaranteed - 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 Consumer Financial Protection Bureau (CFPB) use of its statutory authority under the Dodd-Frank Act to exempt community banks or any products or services from the rules it writes - use of this authority to ensure community banks can continue to provide alternatives to large banks and non-banks for consumers seeking responsible financial service providers CFPB providing community banks with flexibility to meet unique needs of customers and not burden community banks with additional and unnecessary regulatory requirements to prevent them from serving their communities - no one-size-fits-all approach to CFPB regulations which harms community banks in meeting the unique needs of its local customers and communities - Community banks enduring any additional consumer regulatory burden on top of the existing burden they already face Single-Director governance of the CFPB vs. a five-member commission - residential regulators participate with the CFPB in the rule-writing process - Financial Stability Oversight Council (FSOC) power to veto CFPB rules under a practical and realistic standard - a broad definition of firms that grant credit being subject to the CFPB rules, and their supervision and examination Focus of any enhanced regulation of financial products on TBTF banks and financial firms and the unregulated shadow financial industry - efforts to use its authority to address non-banks, such as Wal-Mart, serving as channels for financial products - holding all of the other financial service providers up to the existing high standards for compliance with consumer laws, rules and regulations as currently attained by community banks De Novo Community Bank Formation and the Dual Banking System/Charter Choice Newly chartered (de novo) community banks importance in maintaining a strong, growing, evolving and vibrant banking profession - FDICs inhibiting de novo community bank formation during the financial crisis, FDICs indication of a change in policy direction by rescinding its Financial Institution Letter (FIL) 50-2009, Enhanced Supervisory Procedures for Newly Insured FDIC-Supervised Depository Institutions The importance of the dual banking system where chartering and supervision is divided between the federal government and the states - community banks choice of charters that best fits their business model - multi-agency (state and federal) regulators and charter choice providing necessary checks and balances on the power of the regulators, as well as improved rulemaking, the benefit of each agencies expertise and experience is brought to bear on complex and controversial issues Federal Home Loan Bank System Federal Home Loan Banks (FHLBs) strong partnership with community banks - providing short-term liquidity, long-term funding and other financial products that serve the needs of all member-owners - providing lendable funds for the local communities - regional structure, special functions and purposes of the FHLBs recognized and maintained by the Federal Housing Finance Agency (FHFA). FHFAs proposed rulemaking to revise FHLB membership eligibility requirements - negative impact on the FHLB System and its members - precedent set to terminate through rulemaking FHLB membership and the threat to revisit the broader membership issue in the future - contrary to the will of Congress FHLB System position as a healthy, stable and reliable source of funding for its members - not as the sole aggregator or securitizer of residential mortgages for community banks - FHFAs imposition of an ongoing housing mission asset test on community financial institutions Excessive Intervention in Monetary Policy Sustained record-low zero interest rate policy (ZIRP) engineered and implemented by the Federal Reserve System - disproportionally impact on community banks, senior citizens and savers - a significant drag on the earnings of community banks - THBF banks with non-traditional banking business lines derive a much lower percentage of their earnings from net interest margins and are not as negatively impacted - limits to what Fed monetary policy can accomplish considering major offsetting negative effects on community banks, senior citizens, and savers Legislation - H.R. 1188 -The Credit Union Business Job Creation Act (expand credit union member business lending cap) (All sections) (House and Senate) H.R. 1233 and S. 812 - CLEAR Relief Act of 2015 (tiered regulatory reform and relief for community banks) (All sections) (House and Senate) H.R. 4993 - Homeowners Information Privacy Protection Act (study privacy implications of new HMDA data fields) (All sections) (House and Senate) H.R. 4950 - Small Financial Institution Advisory Committee Act of 2016 (creates a Treasury Department community bank advisory committee) (All sections) (House and Senate) Comment Letters - Comment Letter - OCC, FDIC and Federal Reserve - Incentive-Based Compensation Arrangements: OCC 12 CFR Part 42, Docket No. OCC-2011-0001, RIN 1557-AD39; Federal Reserve System 12 CFR Part 236, Docket No. R-1536, RIN 7100 AE-50; Federal Deposit Insurance Corporation 12 CFR Part 372, RIN 3064-AD86 Miscellaneous - Regarding Federal Reserve Bank of Chicago meeting - dual banking system, electronic delivery of loan files for examinations, prolonged low interest rate environment, shared examination responsibility with other regulators, Financial Accounting Standards Boards (FASB) Current Expected Credit Loss model (CECL) (Federal Reserve) Regarding letter to Illinois Congressional Delegation - the duration, scope and severity of the massive wrongdoing at Wells Fargo, differenced between Main Street and Wall Street, destructive business model, regulatory relief for community banks (House and Senate) Regarding House meeting - Treasury Department community bank study and Treasury Department Community Bank Advisory Committee (House)","Federal Deposit Insurance Corporation (FDIC),Federal Reserve System,HOUSE OF REPRESENTATIVES,Office of the Comptroller of the Currency (OCC),SENATE",,50000,0,0,2016-10-17T14:40:45.967000-04:00 1879704,38ef38b1-badb-4598-86dc-e6356412c6b1,Q3,INTERNATIONAL ASSOCIATION OF MACHINISTS AND AEROSPACE WORKERS,19775,INTERNATIONAL ASSOCIATION OF MACHINISTS AND AEROSPACE WORKERS,2016,third_quarter,BAN,Support Confirmation of Board Member to the Export-Import Bank (No Bill Number),"HOUSE OF REPRESENTATIVES,Justice, Dept of (DOJ),SENATE,Transportation, Dept of (DOT),White House Office",,620000,0,0,2016-10-17T14:43:55.623000-04:00 1879761,a5308436-a334-45f0-8ae7-3a398c272ac0,Q3,INDEPENDENT COMMUNITY BANKERS OF AMERICA,19194,INDEPENDENT COMMUNITY BANKERS OF AMERICA,2016,third_quarter,BAN,"H.R. 766 Financial Institution Customer Protection Act H.R. 1113 Portfolio Lending and Mortgage Access Act H.R. 1188 Credit Union Small Business Jobs Creation Act H.R. 1195 The Bureau of Consumer Financial Protection Small Business Advisory Board Act H.R. 1210 Portfolio Lending and Mortgage Access Act H.R. 1233 CLEAR Relief Act H.R. 1334 Holding Company Registration Threshold Equalization Act of 2015 H.R. 1523 Community Bank Access to Capital Act H.R. 1529 The Community Institution Mortgage Relief Act H.R. 1553 Small Bank Exam Cycle Reform Act H.R. 1660 The Federal Savings Association Charter Flexibility Act H.R. 1661 Mutual Bank Capital Opportunity Act H.R. 1766 Right to Lend Act of 2015 H.R. 2205 Data Security Act of 2015 H.R. 2896 Tailor Act of 2015 H.R. 2987 Community Bank Capital Clarification Act H.R. 3791 A bill to increase Small Bank Holding Policy Statement threshold from $1B to $5B in assets H.R. 4099 CFPB Exam and Reporting Threshold Act H.R. 4116 To amend the Federal Deposit Insurance Act to ensure that reciprocal deposits are not considered to be funds obtained by or through a deposit broker H.R. 4500 The Community Bank Reporting Relief Act H.R. 4909 National Defense Authorization Act of 2017 H.R. 4997 The Home Mortgage Disclosure Adjustment Act H.R. 5076 Main Street Parity Act H.R. 5465 To repeal section 1075 of the Consumer Financial Protection Act of 2010 relating to rules for payment card transactions, and for other purposes. H.R. 5485 Financial Services and General Government Appropriations Act of 2017 H.R. 5724 The Protecting Consumers Access to Credit Act of 2016 H.R. 5808 EGRPRA Review Frequency H.R. 5983 The Financial CHOICE Act S. 812 The CLEAR Relief Act S. 927 CLEAR Relief Plus Act S. 961 Data Security Act of 2015 S. 970 18-Month Exam Cycle S. 1484 Financial Regulatory Improvement Act S. 1491 Community Lender Regulatory Relief and Consumer Protection Act S. 1816 Community Bank Access to Capital Act S. 2471 401 (Kids) Education Savings Account Act of 2016 S. 2722 Federal Savings Association Charter Flexibility Act - all provisions S. 2943 National Defense Authorization Act of 2017 S. 2992 Small Business Lending Oversight Act S. 3067 Financial Services and General Government Appropriations Act of 2017 S. 3153 The Tailor Act. S. 3215 To amend the Home Mortgage Disclosure Act of 1975 to specify which depository institutions are subject to the maintenance of records and disclosure requirements of such Act, and for other purposes S. 3373 A bill to amend the Federal Deposit Insurance Act to ensure that the reciprocal deposits of an insured depository institution are not considered to be funds obtained by or through a deposit broker, and for other purposes S. 3404 A bill to amend the Federal Deposit Insurance Act to require the appropriate Federal banking agencies to treat certain municipal obligations as level 2B liquid assets, and for other purposes Call Report Streamlining Capital Access for Community Banks Capital Rules--Basel III CFPB Data Collection CFPB Overdraft CFPB Reforms/Governance CFPB Small Business Data Collection CFPB Small Dollar/Payday Lending Credit Union Business Lending Powers Credit Union Field of Membership Cybersecurity - Information Sharing Data Security and Breaches De Novo Bank Applications Department of Justice Operation Chokepoint Durbin Debit Interchange and Routing Amendment EMV Chip Migration Escrow Mortgage Requirements FASB Accounting Rules for Loan Loss Reserves Faster Payments Federal Reserve Reform Fintech Limited Bank Charter Flood Insurance Reform Home Mortgage Disclosure Act (HMDA) Regulations Housing Finance Reform Innovation Initiative (FinTech) Interchange Military Bank Leases Military Lending Act Rules Mortgage Lending Reform Mutual Banks Nominations of Allan Landon and Kathryn Dominguez to the Board of Governors of the Federal Reserve System Online/Marketplace Lending Qualified Mortgages, Ability to Repay Rules Regulatory Burden for Community Banks Regulatory and Tax Relief for Community Banks SBA 7(a) Lending Limit Small Bank Holding Company Policy Statement TILA/RESPA Integrated Disclosures Implementation Too Big To Fail Virtual Currency Wells Fargo Account Opening Fraud","Agriculture, Dept of (USDA),Consumer Financial Protection Bureau (CFPB),Defense, Dept of (DOD),Federal Deposit Insurance Corporation (FDIC),Federal Housing Finance Agency (FHFA),Federal Reserve System,HOUSE OF REPRESENTATIVES,Housing & Urban Development, Dept of (HUD),Natl Credit Union Administration (NCUA),Office of the Comptroller of the Currency (OCC),SENATE,Small Business Administration (SBA),Veterans Affairs, Dept of (VA),White House Office",,860000,0,0,2016-10-17T14:51:25.273000-04:00 1879802,47d75f8b-eef2-48bd-91c3-89048ac567fa,Q3,NATIONAL GROCERS ASSOCIATION,27924,NATIONAL GROCERS ASSOCIATION,2016,third_quarter,BAN,"Credit and Debit Swipe Fees S 1484 Financial Regulatory Improvement Act of 2015 EMV Transition HR 5983 The Financial CHOICE Act of 2016 HR 5465, To Repeal Section 1075 of the Consumer Financial Protection Act of 2010","Agriculture, Dept of (USDA),HOUSE OF REPRESENTATIVES,SENATE",,40000,0,0,2016-10-17T14:59:52.263000-04:00 1879832,74ef76db-203d-40c8-b064-7cc71a926d89,Q3,BREAUX LOTT LEADERSHIP GROUP,40020141,TRANSPORTATION INSTITUTE,2016,third_quarter,BAN,Issues related to Export-Import Bank of the United States.,"Export-Import Bank of the United States (EXIM Bank),HOUSE OF REPRESENTATIVES,Maritime Administration (MARAD),SENATE",120000,,0,0,2016-10-17T15:06:13.893000-04:00 1879839,23848b1a-99c4-4155-b1fa-7ec9be33230b,Q3,INDEPENDENT INSURANCE AGENTS & BROKERS OF AMERICA,19228,INDEPENDENT INSURANCE AGENTS & BROKERS OF AMERICA,2016,third_quarter,BAN,"P.L. 111-203 Dodd Frank Wall Street Reform and Consumer Protection Act (Implementation of insurance provisions) S 1484- Financial Regulatory Improvement Act (all provisions)","Agriculture, Dept of (USDA),Federal Emergency Management Agency (FEMA),Government Accountability Office (GAO),Health & Human Services, Dept of (HHS),HOUSE OF REPRESENTATIVES,Labor, Dept of (DOL),Office of Management & Budget (OMB),SENATE,Treasury, Dept of",,220000,0,0,2016-10-17T15:06:15.097000-04:00 1879871,2abc91ed-ea5d-48b5-9590-abe98abcad15,Q3,STEPTOE LLP,36710,NATIONAL ASSOCIATION OF CONVENIENCE STORES,2016,third_quarter,BAN,"Issues related to banking and financial services reform legislation including: Credit Card Fair Fee Act, Credit Card Interchange Fees Act","Food & Drug Administration (FDA),HOUSE OF REPRESENTATIVES,SENATE",170000,,0,0,2016-10-17T15:15:39.777000-04:00 1879889,e2ab7d95-ead3-46b9-8aca-83c885533227,Q3,STEPTOE LLP,36710,SOCIETY OF INDEPENDENT GASOLINE MARKETERS OF AMERICA,2016,third_quarter,BAN,"Issues related to banking and financial services reform legislation including: Credit Card Fair Fee Act, Credit Card Interchange Fees Act","HOUSE OF REPRESENTATIVES,SENATE",100000,,0,0,2016-10-17T15:16:46.123000-04:00 1880110,b0a21daa-3cea-4a46-8c29-1c219411af4d,Q3,VENABLE LLP,39941,S&P GLOBAL INC,2016,third_quarter,BAN,Monitoring financial services issues,"HOUSE OF REPRESENTATIVES,SENATE",50000,,0,0,2016-10-17T16:01:22.997000-04:00 1880160,24dd31cb-10e5-4d98-b1c2-f748dbd550a5,Q3,NAIOP,26865,NAIOP,2016,third_quarter,BAN,"BASEL III- lobbied the House, Senate and Federal Reserve against new capital requirements for high volatility commercial real estate loans (HVCRE). H.R. 4620, the Preserving Access to CRE Capital Act - lobbied to make modifications to credit risk retention rules for commercial real estate loans to ensure continued liquidity and affordable financing options for commercial real estate borrowers.","Army, Dept of (Corps of Engineers),Energy, Dept of,Environmental Protection Agency (EPA),Federal Reserve System,HOUSE OF REPRESENTATIVES,SENATE",,235413,0,0,2016-10-17T16:08:38.433000-04:00 1880422,a63a5892-a873-44ce-956c-972118e87a4f,Q3,"WHITMER & WORRALL, LLC",292892,PPG INDUSTRIES INC.,2016,third_quarter,BAN,Issues related to the Export-Import Bank quorum requirement and congressional oversight.,"Defense, Dept of (DOD),Energy, Dept of,HOUSE OF REPRESENTATIVES,SENATE,White House Office",30000,,0,0,2016-10-17T16:53:23.927000-04:00 1880430,dcf0ad52-0a8d-4ff0-9561-6b972730534c,Q3,KPMG LLP,21893,KPMG LLP,2016,third_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",,430000,0,0,2016-10-17T16:54:27.397000-04:00 1880446,8f5691ff-1365-474b-accb-e32295da23dc,Q3,"WHITMER & WORRALL, LLC",292892,"UTC OVERSEAS, INC.",2016,third_quarter,BAN,Issues related to the Export-Import Bank quorum requirement and congressional oversight.,"HOUSE OF REPRESENTATIVES,SENATE,Transportation, Dept of (DOT)",30000,,0,0,2016-10-17T16:57:37.523000-04:00 1880524,72aa66f3-8b3a-4cb5-81f3-17ba986fd091,Q3,MAYNARD NEXSEN PC,60116,REGIONS FINANCIAL CORPORATION,2016,third_quarter,BAN,H.R. 5983 The Financial Choice Act of 2016 concerning changes affecting banks.,HOUSE OF REPRESENTATIVES,20000,,0,0,2016-10-17T17:22:26.610000-04:00 1880661,eab25fbf-56fe-406c-bed7-d76cb1e651f3,Q3,THE PENNSYLVANIA AVENUE GROUP,40047364,TEXAS LAND TITLE ASSOCIATION,2016,third_quarter,BAN,Monitor TRID Implementation; CFPB activities related to TRID; Legislation to hold harmless for initial implementation period of TRID; monitor Financial CHOICE Act for impact on housing and land title industry.,"Consumer Financial Protection Bureau (CFPB),HOUSE OF REPRESENTATIVES,SENATE",20000,,0,0,2016-10-17T18:40:12.490000-04:00 1880664,ebc7baf1-77dd-4c11-a448-051296492f5b,Q3,THE PENNSYLVANIA AVENUE GROUP,40047364,AMERICAN SHARE INSURANCE,2016,third_quarter,BAN,Monitor credit union issues; monitor implementation of privately insured credit unions joining the Federal Home Loan Bank System; monitor FinCEN rulemaking for privately insured credit unions.,"Federal Housing Finance Agency (FHFA),Financial Crimes Enforcement Network (FinCEN),HOUSE OF REPRESENTATIVES,SENATE",15000,,0,0,2016-10-17T18:44:16.513000-04:00 1880667,64f80cf5-1d24-4e93-be59-7bf22f02eacf,Q3,THE PENNSYLVANIA AVENUE GROUP,40047364,TEXAS CREDIT UNION LEAGUE (CORNERSTONE CREDIT UNION LEAGUE),2016,third_quarter,BAN,"Issues affecting the credit union industry; HR 3048, CFPB exemptions for community financial institutions; HR 989, supplemental capital; HR 1133 veterans and business lending; HR 2250 Data Security; HR 1422 Residential Loan Parity; and HR 2473 Capital Access; Mortgage Liquidity, and S. 1484,regulatory relief. Monitor the Financial CHOICE Act for credit union issues, HR 5983.","Consumer Financial Protection Bureau (CFPB),HOUSE OF REPRESENTATIVES,Natl Credit Union Administration (NCUA),SENATE",15000,,0,0,2016-10-17T18:49:19.020000-04:00 1880743,e2a62d22-c663-4847-ac2f-40aeb05ff708,Q3,"BLACKROCK FUNDS SERVICES GROUP, LLC",400534597,BLACKROCK FUNDS SERVICES GROUP LLC,2016,third_quarter,BAN,Dodd-Frank implementation including Volcker rule; housing finance; mortgage securization other asset securitization; GSE reform; infrastructure financing; market structure,"Commodity Futures Trading Commission (CFTC),Executive Office of the President (EOP),Federal Housing Finance Agency (FHFA),Federal Reserve System,HOUSE OF REPRESENTATIVES,Housing & Urban Development, Dept of (HUD),Labor, Dept of (DOL),Securities & Exchange Commission (SEC),SENATE,Treasury, Dept of",,590000,0,0,2016-10-17T23:54:36.513000-04:00 1880749,1e33d518-8081-4421-94de-733405f72483,Q3,THE KUTLER GROUP,401103966,NAVIENT SOLUTIONS,2016,third_quarter,BAN,Monitored bankruptcy issues as related to discharging student loans,"HOUSE OF REPRESENTATIVES,SENATE",30000,,0,0,2016-10-18T06:28:48.860000-04:00 1881109,cbdff1e3-56ab-4996-9a8f-1dfa74e02933,Q3,"PACE, LLP",30495,NATIONAL ASSN OF CREDIT MANAGEMENT,2016,third_quarter,BAN,"Bankruptcy Trade Promotion Authority Data Privacy Legislation","HOUSE OF REPRESENTATIVES,Justice, Dept of (DOJ),SENATE",20000,,0,0,2016-10-18T10:26:56.057000-04:00