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
3041953,0bd89ca1-6597-4c60-8258-d9d6803f6971,3T,ICE MILLER STRATEGIES LLC,316057,"INTUIT, INC. AND AFFILIATES (FORMERLY INTUIT, INC.)",2023,third_quarter,FIN,"Promote financial health and literacy for small businesses and consumers Support FINTECH innovation, responsible regulations, and consumer protections Support establishment of an open banking framework proving consumers and SMB's with greater access to their financial data Support greater access to financial services and financial inclusion","HOUSE OF REPRESENTATIVES,SENATE,Small Business Administration (SBA),Treasury, Dept of",60000,,0,1,2023-08-15T15:07:46-04:00
3042897,195d668e-d36c-4330-ac39-66a210100ad6,Q3,"REPUBLIC CONSULTING, LLC",401016871,MORTGAGE BANKERS ASSOCIATION,2023,third_quarter,FIN,Monitor policy related to housing finance and mortgage issues.,"HOUSE OF REPRESENTATIVES,SENATE",30000,,0,0,2023-08-30T09:43:02-04:00
3042902,c9b1ec69-3496-4c8f-b7f6-b5d6d375f855,3T,"REPUBLIC CONSULTING, LLC",401016871,MORTGAGE BANKERS ASSOCIATION,2023,third_quarter,FIN,Monitor policy related to housing finance and mortgage issues.,"HOUSE OF REPRESENTATIVES,SENATE",30000,,0,1,2023-08-30T09:47:01-04:00
3042905,9eb60340-7a4e-4061-9dc7-8cea5bd11b90,Q3,"REPUBLIC CONSULTING, LLC",401016871,WORKIVA,2023,third_quarter,FIN,Monitor Financial Technology Policy.,"HOUSE OF REPRESENTATIVES,SENATE",40000,,0,0,2023-08-30T09:52:03-04:00
3042907,0d9b5cd7-eedf-4738-a5d2-3876f0a4024b,3T,"REPUBLIC CONSULTING, LLC",401016871,WORKIVA,2023,third_quarter,FIN,Monitor Financial Technology Policy.,"HOUSE OF REPRESENTATIVES,SENATE",40000,,0,1,2023-08-30T09:54:48-04:00
3042909,19fd5b95-fd04-49c1-9d46-3a09ff916b3a,Q3,"REPUBLIC CONSULTING, LLC",401016871,COGNIZANT TECHNOLOGY SOLUTIONS,2023,third_quarter,FIN,Monitor Policy Affecting the Data and Technology Industry.,"HOUSE OF REPRESENTATIVES,SENATE",10000,,0,0,2023-08-30T09:57:33-04:00
3042915,9b911ba8-829c-4ac8-894c-d5ab39fc74f2,3T,"REPUBLIC CONSULTING, LLC",401016871,COGNIZANT TECHNOLOGY SOLUTIONS,2023,third_quarter,FIN,Monitor Policy Affecting the Data and Technology Industry.,"HOUSE OF REPRESENTATIVES,SENATE",10000,,0,1,2023-08-30T09:59:32-04:00
3043389,583bd0d2-1f8e-42a3-a029-fe8e06cdfe56,Q3,"PARRY, ROMANI, DECONCINI & SYMMS",30792,"NETWORTH SERVICES, INC",2023,third_quarter,FIN,Urging the IRS to adopt an independent system to verify the taxable basis of capital assets,"HOUSE OF REPRESENTATIVES,SENATE",,,0,0,2023-09-18T13:28:27-04:00
3043583,53f8bcab-b911-43d8-806c-6179a6e51287,3T,HILL STRATEGY LLC,401103312,WE THE INVESTORS,2023,third_quarter,FIN,Equity market structure,"HOUSE OF REPRESENTATIVES,Securities & Exchange Commission (SEC),SENATE",20000,,0,1,2023-09-28T13:02:48-04:00
3043748,6d5410ee-8602-4a7c-a807-7f5fb374ce92,Q3,"NATIONAL GROUP, LLP",66090,BLACKSTONE ADMINISTRATIVE SERVICES PARTNERSHIP L.P.,2023,third_quarter,FIN,Inflation Reduction Act Implementation,"HOUSE OF REPRESENTATIVES,SENATE",40000,,0,0,2023-09-30T09:57:01-04:00
3043909,1ca5b3b4-6e83-4445-8250-56e0a76156fc,Q3,SKLADANY CONSULTING LLC,401104209,"KASICH COMPANY, LLC ON BEHALF OF SCHOTTENSTEIN STORES CORPORATION",2023,third_quarter,FIN,FinCen transparency (beneficial owners) regulations.,"HOUSE OF REPRESENTATIVES,SENATE",20000,,0,0,2023-10-02T10:10:32-04:00
3044056,c703ec5c-5ad3-4d38-a7b5-e4ad272835c2,Q3,LOBBYIT.COM,400487397,TOAST,2023,third_quarter,FIN,N/A,"HOUSE OF REPRESENTATIVES,SENATE",10000,,0,0,2023-10-02T13:04:39-04:00
3044287,74a8183a-1d70-43ff-bd08-b79f1f82fb04,Q3,COUNCIL OF INSTITUTIONAL INVESTORS,11082,COUNCIL OF INSTITUTIONAL INVESTORS,2023,third_quarter,FIN,"Sept. 29, 2023Joint CII, NASRA, NCPERS, NASRA letter to the U.S. Treasury Department on the Biden Administrations proposed regulations on outbound investments in China Aug. 28, 2023CII letter to SEC on reg flex agenda","Securities & Exchange Commission (SEC),Treasury, Dept of",,,0,0,2023-10-03T10:26:27-04:00
3044288,e2679a80-e5f5-4b30-8559-7b8ab692228a,Q3,"WHITMER & WORRALL, LLC",292892,AMERICAN TRANSACTION PROCESSORS COALITION,2023,third_quarter,FIN,"Issues related to the U.S. financial services transaction and payment processing industry. Issues related to the Congressional FinTech and Payments Caucus. Issues related to the Senate Payments Innovation Caucus. Issues related to the House FinTech Task Force. Issues related to privacy and data breach notification. Issues related to FedNow and faster payments. Issues related to financial inclusion and the unbanked and underbanked. Issues related to Central Bank Digital Currencies (CBDC), stablecoins, and digital assets. Issues related to H.R. 1165, the Data Privacy Act of 2023. Issues related to the implementation of H.R. 4346, the Chips and Science Act. Issues related to the Waters-McHenry stablecoin bill discussion draft. Issues related to the creation of a Merchant Category Code (MCC). Issues related to artificial intelligence and payments. Issues related to H.R. 2891 / S. 1323, the Secure And Fair Enforcement (SAFE) Banking Act of 2023. Issues relared to H.R. 4763, the Financial Innovation and Technology for the 21st Century Act. Issues related to H.R. 4766, the Clarity for Payment Stablecoins Act of 2023.","Consumer Financial Protection Bureau (CFPB),HOUSE OF REPRESENTATIVES,SENATE",40000,,0,0,2023-10-03T10:32:02-04:00
3044399,78684379-85d4-4021-aa31-a5548364e0cd,Q3,ICE MILLER LLP,67854,BINANCE HOLDINGS LIMITED,2023,third_quarter,FIN,Crypto industry,"HOUSE OF REPRESENTATIVES,SENATE",50000,,0,0,2023-10-03T12:39:56-04:00
3044408,94ac23b3-eadd-4486-aa83-0b69923128dd,3T,ICE MILLER LLP,67854,BINANCE HOLDINGS LIMITED,2023,third_quarter,FIN,Crypto industry,"HOUSE OF REPRESENTATIVES,SENATE",50000,,0,1,2023-10-03T12:45:08-04:00
3044649,fe94fdae-31b1-4ce2-939c-f4074befc298,Q3,TIGER HILL PARTNERS LLC,401105491,OPPORTUNITY FINANCIAL,2023,third_quarter,FIN,Issues related to consumer finance,"HOUSE OF REPRESENTATIVES,SENATE",40000,,0,0,2023-10-04T10:35:03-04:00
3044656,de479584-ebca-42ce-8bdf-253580630bfe,Q3,TIGER HILL PARTNERS LLC,401105491,"REPUBLIC CONSULTING, LLC ON BEHALF OF WORKIVA",2023,third_quarter,FIN,Financial Transparency Act (H.R. 4476) and use of machine readable data in government reports,"HOUSE OF REPRESENTATIVES,SENATE",20000,,0,0,2023-10-04T10:37:05-04:00
3044658,94c958c0-2525-46fa-807a-5796e99641e8,Q3,TIGER HILL PARTNERS LLC,401105491,INSTITUTIONAL SHAREHOLDER SERVICES INC. (ISS),2023,third_quarter,FIN,Issues related to regulation of proxy advisors,"HOUSE OF REPRESENTATIVES,SENATE",50000,,0,0,2023-10-04T10:38:50-04:00
3044695,56c30f3d-160c-44f4-a69c-b56c77d9f744,3T,TIGER HILL PARTNERS LLC,401105491,"REPUBLIC CONSULTING, LLC ON BEHALF OF MORTGAGE BANKERS ASSOCIATION",2023,third_quarter,FIN,"Issues related to mortgage banking, mortgage finance, and affordable housing","HOUSE OF REPRESENTATIVES,SENATE",10000,,0,1,2023-10-04T11:10:45-04:00
3044697,142dfde6-16dc-4259-9b02-87efaa83bc99,Q3,TIGER HILL PARTNERS LLC,401105491,"IEX GROUP, INC.",2023,third_quarter,FIN,Equity market structure reform - no specific legislation,"HOUSE OF REPRESENTATIVES,SENATE",60000,,0,0,2023-10-04T11:12:43-04:00
3044705,c9933522-ba66-44e9-8c3c-7e21d29dfd2f,3T,TIGER HILL PARTNERS LLC,401105491,FINANCIAL TECHNOLOGY ASSOCIATION,2023,third_quarter,FIN,Educational efforts on financial technology,"HOUSE OF REPRESENTATIVES,SENATE",10000,,0,1,2023-10-04T11:14:29-04:00
3044711,d086199d-da11-465f-bc71-bef5f51eb598,Q3,TIGER HILL PARTNERS LLC,401105491,XTX MARKETS LLC (AMERICAS),2023,third_quarter,FIN,Issues related to securities market reform,"HOUSE OF REPRESENTATIVES,SENATE",50000,,0,0,2023-10-04T11:16:15-04:00
3044716,2cdb469a-8ab2-4749-9c3e-b61606249214,Q3,TIGER HILL PARTNERS LLC,401105491,ALTERNATIVE INVESTMENT MANAGEMENT ASSOCIATION,2023,third_quarter,FIN,Issues related to asset management and capital markets,"HOUSE OF REPRESENTATIVES,SENATE",30000,,0,0,2023-10-04T11:17:40-04:00
3044717,3b4eec53-86de-4f9a-bf16-9460f8e19db2,Q3,TIGER HILL PARTNERS LLC,401105491,BLUEVINE INC.,2023,third_quarter,FIN,Financial technology; small business lending,"HOUSE OF REPRESENTATIVES,SENATE",50000,,0,0,2023-10-04T11:19:17-04:00
3044719,7836680e-60f5-458f-9047-5023b499b219,3A,TIGER HILL PARTNERS LLC,401105491,BLUEVINE INC.,2023,third_quarter,FIN,Financial technology; small business lending,"HOUSE OF REPRESENTATIVES,SENATE",50000,,0,0,2023-10-04T11:21:11-04:00
3044721,10fc281f-0f04-4eee-b421-fdcc7b2532b7,Q3,TIGER HILL PARTNERS LLC,401105491,"COINBASE, INC.",2023,third_quarter,FIN,"Policy issues related to digital assets and financial technology; H.R. 3684, Infrastructure and Jobs Act","HOUSE OF REPRESENTATIVES,SENATE",50000,,0,0,2023-10-04T11:23:49-04:00
3044726,cfc95c31-aea3-4311-9b3d-7ae6fb89787a,Q3,TIGER HILL PARTNERS LLC,401105491,BITWISE ASSET MANAGEMENT,2023,third_quarter,FIN,Issues related to digital assets,HOUSE OF REPRESENTATIVES,40000,,0,0,2023-10-04T11:25:58-04:00
3044736,474d663d-e03e-4038-8ef5-4cf95340a58d,Q3,TIGER HILL PARTNERS LLC,401105491,"COUNCIL FOR INVESTOR RIGHTS AND CORPORATE ACCOUNTABILITY, INC.",2023,third_quarter,FIN,Issues related to investor rights,"HOUSE OF REPRESENTATIVES,SENATE",60000,,0,0,2023-10-04T11:31:46-04:00
3044738,220945e0-487a-476e-b993-95580961f181,3T,TIGER HILL PARTNERS LLC,401105491,POLYGON LABS SERVICES (SWITZERLAND) AG,2023,third_quarter,FIN,Issues related to digital assets regulation,"HOUSE OF REPRESENTATIVES,SENATE",10000,,0,1,2023-10-04T11:33:22-04:00
3044742,2d88104b-2bb5-4e59-9277-4f4b622de54c,Q3,TIGER HILL PARTNERS LLC,401105491,"FORTIFI FINANCIAL, INC.",2023,third_quarter,FIN,Issues related to disaster hardening and home retrofitting,"HOUSE OF REPRESENTATIVES,SENATE",60000,,0,0,2023-10-04T11:38:41-04:00
3044745,f87d1a33-c224-4ea4-b2b0-79c090cd62f0,Q3,TIGER HILL PARTNERS LLC,401105491,"DYNAMOFL, INC.",2023,third_quarter,FIN,Issues related to artificial intelligence.,"HOUSE OF REPRESENTATIVES,SENATE",20000,,0,0,2023-10-04T11:41:02-04:00
3045053,2a88ff9e-4bb6-4abb-ac57-07d909f2dec5,Q3,PENN AVENUE PARTNERS,400918672,WESTERN UNION,2023,third_quarter,FIN,Financial Services Issues. Cross Border Remittance Issues.,"HOUSE OF REPRESENTATIVES,SENATE",20000,,0,0,2023-10-05T07:21:12-04:00
3045088,f83e0d47-03a7-4f3f-a16a-f3cd83def20d,Q3,BROWN-FORMAN CORPORATION,7213,BROWN-FORMAN CORPORATION,2023,third_quarter,FIN,Issues related to family majority controlled companies - no specific legislation.,"HOUSE OF REPRESENTATIVES,SENATE",,300000,0,0,2023-10-05T11:34:00-04:00
3045119,7022627b-4267-4d60-9265-094980b5a545,Q3,RICH FEUER ANDERSON,84775,WELLINGTON MANAGEMENT CO LLP,2023,third_quarter,FIN,Legislation and regulation affecting asset management services.,"HOUSE OF REPRESENTATIVES,SENATE",50000,,0,0,2023-10-05T12:07:55-04:00
3045120,b79a864b-f3f7-42ce-a92a-bef4a58e8b59,Q3,"NASDAQ, INC.",27115,NASDAQ INC,2023,third_quarter,FIN,"Transparency and accuracy of proxy advisors; Legislative reforms to improve capital formation (Venture Exchange), H.R 1807, H.R. 2624, H.R. 2625, H.R. 2793, H.R. 2576, H.R. 2610, H.R. 2608, H.R. 2603), Main Street Growth Act; Legislation on 10-Q optionality, Modernizing Disclosures for Investors Act; Legislation on reforming U.S. antitrust laws - American Choice and Innovation Online Act, Platform Competition and Opportunity Act, Ending Platform Monopolies Act, Augmenting Compatibility and Competition by Enabling Service Switching Act, Merger Filing Fee Modernization Act, The State Antitrust Enforcement Venue Act; Federal financial transaction tax, Protecting Retirement Savers and Everyday Investors Act, Tax on Wall Street Speculation Act; H1B visa/immigration reform; Digital asset regulatory reform, The Digital Commodities Consumer Protection Act; Equity market structure and SECs rulemaking on market structure, Regulation NMS, market data, regulation of Exchange pricing, Securities Exchange Reform Act of 2022, Main Street Growth Act, Amend the Securities Exchange Act of 1934 to add certain requirements for the filing and approval of proposed rule changes by self-regulatory organizations approach 2, Amend the Securities Exchange Act of 1934 to improve the governance of multi-class stock companies, Free-market Accountability through Investor Rights Act, Require the SEC to engage in rulemaking to prohibit or limit the use of rebate payments by exchanges that are tiered based on the aggregate volume of transactions effected by such members, Registration for Index-Linked Annuities Act; ESG and public company regulations, Corporate Governance Improvement and Investor Protection Act. SEC climate disclosure rule; Monitoring legislation speaking to regulate AI, machine learning, and other tools used in the financial services arena; Highlighting Nasdaqs financial crime software solutions and policies aimed at those issues.","Commodity Futures Trading Commission (CFTC),HOUSE OF REPRESENTATIVES,Securities & Exchange Commission (SEC),SENATE,Treasury, Dept of",,420000,0,0,2023-10-05T12:30:07-04:00
3045133,fb983de9-9483-451e-b1bc-2c04f1ec4168,Q3,RICH FEUER ANDERSON,84775,BLACKROCK FUNDS SERVICES GROUP LLC (FORMERLY BLACKROCK CAPITAL MANAGEMENT INC.),2023,third_quarter,FIN,Regulation of asset management products and activities as systemically important. Regulation of money market funds and exchange-traded funds.,"HOUSE OF REPRESENTATIVES,SENATE",60000,,0,0,2023-10-05T13:25:32-04:00
3045136,8585a8d4-bed7-4e27-ae0d-a6f6faa251d0,Q3,RICH FEUER ANDERSON,84775,"FINANCIAL INDUSTRY REGULATORY AUTHORITY (""FINRA"" FORMERLY NASD)",2023,third_quarter,FIN,Regulation of broker-dealers. Customer recovery across arbitration and other dispute resolution forums.,"HOUSE OF REPRESENTATIVES,SENATE",30000,,0,0,2023-10-05T13:27:43-04:00
3045184,13e869ea-8a80-4893-b875-ee5fd77b14a0,Q3,ACG ADVOCACY,2057,"7 ELEVEN, INC.",2023,third_quarter,FIN,Credit card swipe fees. H.R. 3381 - Credit Card Competition Act of 2023.,"HOUSE OF REPRESENTATIVES,SENATE",50000,,0,0,2023-10-05T14:57:12-04:00
3045206,36e9b4c1-e913-46d6-80a5-d2a3d7407cd6,Q3,LAVENDER CONSULTANTS,401104727,"COALITION FOR CONSUMER CHOICE, INC.",2023,third_quarter,FIN,Legislation to protect the investment choices of investors in the United States. Proposed legislation would retore stable value prime and municipal Money Market Funds.,"HOUSE OF REPRESENTATIVES,SENATE",40000,,0,0,2023-10-05T15:46:21-04:00
3045365,d1e5fdfa-578d-4a52-8032-260302d25124,Q3,APPRAISAL INSTITUTE,4163,APPRAISAL INSTITUTE,2023,third_quarter,FIN,GSEs,"HOUSE OF REPRESENTATIVES,SENATE",,20000,0,0,2023-10-06T09:49:07-04:00
3045422,98b4bbe7-611c-4ba6-9ad6-ab393327fac7,Q3,THE MADISON GROUP,284050,"CERBERUS CAPITAL MANAGEMENT, L.P.",2023,third_quarter,FIN,"Issues pertaining to private equity, asset management, real estate, and business finance","HOUSE OF REPRESENTATIVES,SENATE",190000,,0,0,2023-10-06T10:25:12-04:00
3045442,03dad803-601d-4c42-a7f0-29bceb2ef35a,Q3,THE MADISON GROUP,284050,"COINBASE, INC.",2023,third_quarter,FIN,"Issues pertaining to cryptocurrency, digital assets and financial technology","HOUSE OF REPRESENTATIVES,SENATE",30000,,0,0,2023-10-06T10:47:29-04:00
3045450,6849a532-9fdc-4ef7-ace9-96996e653472,Q3,THE MADISON GROUP,284050,CROSS RIVER BANK,2023,third_quarter,FIN,"Issues pertaining to financial services, fintech and the Paycheck Protection Program.","Executive Office of the President (EOP),HOUSE OF REPRESENTATIVES,SENATE,Small Business Administration (SBA)",60000,,0,0,2023-10-06T10:50:40-04:00
3045452,96cd385f-1f7b-4b65-b6d8-736facc6e16c,Q3,AMERICAN GAMING ASSOCIATION,2434,AMERICAN GAMING ASSOCIATION,2023,third_quarter,FIN,"Bank Secrecy Act, AML Compliance, Anti-Money Laundering Act of 2020 implementation, AML Effectiveness","Financial Crimes Enforcement Network (FinCEN),Homeland Security, Dept of (DHS),HOUSE OF REPRESENTATIVES,Internal Revenue Service (IRS),Justice, Dept of (DOJ),SENATE,Treasury, Dept of",,430000,0,0,2023-10-06T10:52:10-04:00
3045495,4cd704c5-3f63-493e-891e-4c0c06a5ca2a,Q3,THE MADISON GROUP,284050,NAVIENT SOLUTIONS,2023,third_quarter,FIN,"Issues pertaining to servicing student loans, student loan debt, credit reporting legislation, and bankruptcy","Education, Dept of,Executive Office of the President (EOP),HOUSE OF REPRESENTATIVES,SENATE",30000,,0,0,2023-10-06T11:20:08-04:00
3045515,164b3992-f084-4ead-a8e4-ab7f9d291fba,Q3,THE MADISON GROUP,284050,OBJECTIVE LAB ON BEHALF OF SYNCHRONY FINANCIAL,2023,third_quarter,FIN,Issues related to consumer financial services including CareCredit,"HOUSE OF REPRESENTATIVES,SENATE",10000,,0,0,2023-10-06T11:43:47-04:00
3045570,924f98bb-48df-4b58-8b45-1b9c432f00e7,Q3,KANSAS FARM BUREAU,21131,KANSAS FARM BUREAU,2023,third_quarter,FIN,Kansas Farm Bureau opposes a proposed rule from the SEC that would require regulated companies to report greenhouse gas emissions including Scope 3 or supply chain emissions. We support H.R. 1018 and S. 391 the Protect Farmers from the SEC Act.,"HOUSE OF REPRESENTATIVES,SENATE",,40000,0,0,2023-10-06T12:15:44-04:00
3045583,8a1fe385-1b6d-4a79-acc9-c05af068716b,3T,"BLUE RIDGE LAW & POLICY, P.C.",401105392,"ANCHOR LABS, INC.",2023,third_quarter,FIN,Regulatory issues related to custody of digital assets,"HOUSE OF REPRESENTATIVES,Securities & Exchange Commission (SEC),SENATE",10000,,0,1,2023-10-06T12:34:57-04:00
3045717,daf60d24-6c9a-41e7-b4fd-09e3a61b000e,Q3,RICH FEUER ANDERSON,84775,NOMURA AMERICA HOLDING INC.,2023,third_quarter,FIN,"Regulation of broker-dealers, including capital requirements. Regulation of derivatives and equity market structure issues.","HOUSE OF REPRESENTATIVES,SENATE",15000,,0,0,2023-10-06T15:51:05-04:00
3045748,a58fe663-a64c-4588-a89d-47516468e66b,Q3,THE MADISON GROUP,284050,"INTUIT, INC. AND AFFILIATES (FORMERLY INTUIT, INC.)",2023,third_quarter,FIN,"Support FINTECH innovation, responsible regulations, and consumer protections.","HOUSE OF REPRESENTATIVES,SENATE",20000,,0,0,2023-10-06T16:31:34-04:00
3045758,8662bbd6-7c3b-4194-b5de-8a8ef7a569de,3T,THE MADISON GROUP,284050,"INTUIT, INC. AND AFFILIATES (FORMERLY INTUIT, INC.)",2023,third_quarter,FIN,"Support FINTECH innovation, responsible regulations, and consumer protections.","HOUSE OF REPRESENTATIVES,SENATE",20000,,0,1,2023-10-06T16:32:22-04:00
3045856,5b3fb688-3f79-47f1-a7f1-717396f50c9b,Q3,ACG ANALYTICS,401104741,"ANCHOR LABS, INC.",2023,third_quarter,FIN,Regulatory issues in the block chain space.,"HOUSE OF REPRESENTATIVES,SENATE",40000,,0,0,2023-10-06T18:14:39-04:00
3045978,97df61dc-fcdb-4cb8-956d-d1e537684ea6,Q3,HOLLAND & KNIGHT LLP,18466,"CONTINENTAL SERVICE GROUP, INC. D/B/A CONSERVE",2023,third_quarter,FIN,Education and advocacy around the private debt collection program required under Section 6306(c)(1) of the Internal Revenue Code and ConServe's position as an approved private debt collector under the program.,"HOUSE OF REPRESENTATIVES,SENATE",10000,,0,0,2023-10-07T15:47:31-04:00
3046008,b1fcc3dd-9e58-486b-903d-ea22b3f959ff,Q3,HOLLAND & KNIGHT LLP,18466,AMERICAN FACTORING ASSOCIATION,2023,third_quarter,FIN,Educating Congress on the importance of the factoring industry to the U.S. economy.,"HOUSE OF REPRESENTATIVES,SENATE",30000,,0,0,2023-10-08T10:37:03-04:00
3046016,871e2b7d-bd9e-436b-bbcb-06d96aa6d723,Q3,HOLLAND & KNIGHT LLP,18466,"AVA LABS, INC.",2023,third_quarter,FIN,"Educating targeted House & Senate Members and staff regarding issues including blockchain, decentralized finance, digital coins and assets and related issues; H.R.3572 - Securities Clarity Act; H.R.2743/S.293 - Fair Access to Banking Act; discussion drafts on stablecoin and market structure reform legislation; H.R.1747 - Blockchain Regulatory Certainty Act; H.R.4763 - Financial Innovation and Technology for the 21st Century Act.","HOUSE OF REPRESENTATIVES,SENATE",50000,,0,0,2023-10-08T11:05:49-04:00
3046107,e9116bf9-7ddc-4bcb-b83f-87e7534d26f1,Q3,NATIONAL ASSOCIATION OF INSURANCE AND FINANCIAL ADVISORS,26901,NATIONAL ASSOCIATION OF INSURANCE AND FINANCIAL ADVISORS,2023,third_quarter,FIN,"Issues related to the implementation of the Dodd-Frank Wall Street Reform Act 2010. Issues related to the regulation of securities products, including the conduct, compensation and use of the title ""advisor.adviser"" by those who sell them. Issues related to the regulation of certain employee benefit plan/sponsors/participants and IRA holders under ERISA. Issues related to investment advice provided by municipal advisors. Issues related to consumer compensation in instances of investment fraud. Issues related to the disclosure of potential examples of financial exploitation of senior citizens.","HOUSE OF REPRESENTATIVES,Labor, Dept of (DOL),Securities & Exchange Commission (SEC),SENATE",,448313,0,0,2023-10-09T09:12:40-04:00
3046158,ecc7bc32-7df1-4fb4-ba35-3e67991b9a96,Q3,KRL INTERNATIONAL LLC,315898,FLUTTERWAVE INC.,2023,third_quarter,FIN,Facilitating online commercial transactions.,"Commerce, Dept of (DOC),Natl Security Council (NSC),State, Dept of (DOS),U.S. Agency for International Development (USAID),White House Office",57455,,0,0,2023-10-09T10:06:26-04:00
3046160,afc299a9-832a-4f48-b428-ff72bafdc80b,Q3,KRL INTERNATIONAL LLC,315898,AFRICA FINANCE CORPORATION,2023,third_quarter,FIN,Build two-way trade and investment between the United States and Africa through encouraging private investment and de-risking capital.,"Commerce, Dept of (DOC),Export-Import Bank of the United States (EXIM Bank),Overseas Private Investment Corp (OPIC),State, Dept of (DOS),U.S. Agency for International Development (USAID),U.S. Trade & Development Agency (USTDA)",100000,,0,0,2023-10-09T10:10:28-04:00
3046215,1c5c6df0-5728-4a12-a19a-97386eb41ee0,Q3,THE WILLIAMS GROUP,401104049,GENERAL MOTORS,2023,third_quarter,FIN,Legislation impact ILCs,"HOUSE OF REPRESENTATIVES,SENATE",37500,,0,0,2023-10-09T11:33:44-04:00
3046217,ad1cb0cc-17b0-4aef-811f-e6652ec4cbd2,Q3,THE WILLIAMS GROUP,401104049,"METLIFE GROUP, INC.(FKA METROPOLITAN LIFE)",2023,third_quarter,FIN,Financial services and securities law reforms,"HOUSE OF REPRESENTATIVES,SENATE",19000,,0,0,2023-10-09T11:34:40-04:00
3046220,320e9ba2-54d9-461f-bfcb-697a484b65ca,Q3,THE WILLIAMS GROUP,401104049,AMERICAN FINANCIAL SERVICES ASSOCIATION,2023,third_quarter,FIN,Legislation impacting ILCs,"HOUSE OF REPRESENTATIVES,SENATE",15000,,0,0,2023-10-09T11:35:36-04:00
3046234,60b55675-28a4-4b27-9272-86100de50833,Q3,THE WILLIAMS GROUP,401104049,TRANSUNION,2023,third_quarter,FIN,Legislation related to the fair credit reporting act,"HOUSE OF REPRESENTATIVES,SENATE",11250,,0,0,2023-10-09T11:37:12-04:00
3046237,d711dd0e-a4ae-43ca-9392-53588edbb2e3,Q3,THE WILLIAMS GROUP,401104049,THE MANAGED FUNDS ASSOCIATION,2023,third_quarter,FIN,Legislation related to securities law reform,"HOUSE OF REPRESENTATIVES,SENATE",25000,,0,0,2023-10-09T11:38:35-04:00
3046241,a7e9f18b-16e0-4897-bbc6-83eba3e2066f,Q3,THE WILLIAMS GROUP,401104049,ROBINHOOD,2023,third_quarter,FIN,Securities law reform,"HOUSE OF REPRESENTATIVES,SENATE",60000,,0,0,2023-10-09T11:40:18-04:00
3046250,82b0f190-2025-4629-b73d-78a2e9433d57,Q3,THE WILLIAMS GROUP,401104049,H&R BLOCK,2023,third_quarter,FIN,Consumer protection reform legislation,"HOUSE OF REPRESENTATIVES,SENATE",30000,,0,0,2023-10-09T11:42:37-04:00
3046253,45744c84-24db-4584-9e5c-2024566ec9d5,Q3,THE WILLIAMS GROUP,401104049,"MUFG BANK, LTD.",2023,third_quarter,FIN,Securities law reform legislation,"HOUSE OF REPRESENTATIVES,SENATE",30000,,0,0,2023-10-09T11:43:19-04:00
3046254,8308aa73-b9ba-4fdb-8012-e2c63d838bd4,Q3,THE WILLIAMS GROUP,401104049,MASTERCARD,2023,third_quarter,FIN,Interchange fee reform,"HOUSE OF REPRESENTATIVES,SENATE",50000,,0,0,2023-10-09T11:44:04-04:00
3046256,da3d797e-b312-4c40-8537-410f9e483a14,Q3,THE WILLIAMS GROUP,401104049,NATIONAL ASSOCIATION OF MORTGAGE BROKERS,2023,third_quarter,FIN,Mortgage Reform Legislation,"HOUSE OF REPRESENTATIVES,SENATE",45000,,0,0,2023-10-09T11:44:48-04:00
3046361,f043c3f1-00b4-40ce-8823-184ffb9d5126,Q3,STELLAR DEVELOPMENT FOUNDATION,401105816,STELLAR DEVELOPMENT FOUNDATION,2023,third_quarter,FIN,"Development of a legislative framework for stablecoins, including H.R. 4766, the Clarity for Payment Stablecoins Act of 2023; Increasing the regulatory clarity pertaining to crypto assets and crypto facilities, including H.R. 4763, Financial Innovation and Technology for the 21st Century Act; Illicit finance and KYC/AML matters, including S. 2355, Crypto-Asset National Security Enhancement and Enforcement (CANSEE) Act and S. 2669, Digital Asset Anti-Money Laundering Act of 2023; Federal blockchain and distributed ledger technology research activities; Cryptocurrency and application of blockchain and distributed ledger technology to financial services; CFTC regulation of digital assets; Central Bank Digital Currencies (CBDCs); Crypto exchanges; Interoperability; Diversity, equity, and financial inclusion matters in the digital assets sector","Commodity Futures Trading Commission (CFTC),HOUSE OF REPRESENTATIVES,Natl Economic Council (NEC),SENATE,Treasury, Dept of",,170000,0,0,2023-10-09T14:11:34-04:00
3046491,d60fa43b-92f5-49a3-851b-665135112828,Q3,ARNOLD & PORTER KAYE SCHOLER LLP,4301,BLUE OWL CAPITAL HOLDINGS LLC,2023,third_quarter,FIN,Issues relating to the regulation of business development companies.,"HOUSE OF REPRESENTATIVES,SENATE",120000,,0,0,2023-10-09T16:57:00-04:00
3046514,f4ec76c5-0292-4344-b7ff-e9ee38829045,Q3,ARNOLD & PORTER KAYE SCHOLER LLP,4301,THE DEPOSITORY TRUST & CLEARING CORPORATION,2023,third_quarter,FIN,Issues relating to capital markets and the clearance and settlement of securities transactions.,"HOUSE OF REPRESENTATIVES,SENATE",50000,,0,0,2023-10-09T17:04:41-04:00
3046578,b79da34f-94e1-4e89-85cb-b5a984751033,3A,RICH FEUER ANDERSON,84775,NOMURA AMERICA HOLDING INC.,2023,third_quarter,FIN,"Regulation of broker-dealers, including capital requirements. Regulation of derivatives and equity market structure issues.","HOUSE OF REPRESENTATIVES,SENATE",15000,,0,0,2023-10-09T19:25:27-04:00
3046682,65e3ff53-b921-4a8c-87f3-537d6cce27ed,Q3,"POBLETE TAMARGO, LLP",400620885,MS. CAROLYN CHESTER AND FAMILY,2023,third_quarter,FIN,Claims against the government of Cuba for failing to compensate certified claim holders of expropriated properties.,"HOUSE OF REPRESENTATIVES,SENATE,State, Dept of (DOS)",,,0,0,2023-10-10T10:57:49-04:00
3046754,16c23dbe-3d92-4eb2-b7c3-0d484d8a5ac6,Q3,GUSTO,401106368,GUSTO,2023,third_quarter,FIN,Small Business Credit Issues and Issues related to FDIC deposit insurance,"Health & Human Services, Dept of (HHS),HOUSE OF REPRESENTATIVES,SENATE",,10000,0,0,2023-10-10T11:57:03-04:00
3046797,0680aa57-5211-4c0a-be48-a57abd264665,Q3,BLUE STAR STRATEGIES LLC,400604838,"FORIS DAX, INC. D/B/A CRYPTO.COM",2023,third_quarter,FIN,Discussed status of potential cryptocurrency legislation,"HOUSE OF REPRESENTATIVES,SENATE",25000,,0,0,2023-10-10T12:43:21-04:00
3046804,c485c888-5917-46cc-a4c2-b97bb0df42d8,3A,BLUE STAR STRATEGIES LLC,400604838,"FORIS DAX, INC. D/B/A CRYPTO.COM",2023,third_quarter,FIN,Discussed status of potential cryptocurrency legislation,"Commerce, Dept of (DOC),HOUSE OF REPRESENTATIVES,SENATE",25000,,0,0,2023-10-10T12:49:53-04:00
3046821,5f16ee55-0b14-48e0-914c-7a34bcbfe693,3T,S-3 GROUP,400774330,"COUNCIL FOR INVESTOR RIGHTS AND CORPORATE ACCOUNTABILITY, INC.",2023,third_quarter,FIN,Securities law development and reform,"HOUSE OF REPRESENTATIVES,Securities & Exchange Commission (SEC),SENATE",10000,,0,1,2023-10-10T13:19:59-04:00
3046851,01016a82-5bcf-4773-883f-687cc637e7ce,Q3,"CASSIDY & ASSOCIATES, INC.",8453,SOCIETY OF ACTUARIES,2023,third_quarter,FIN,General legislative issues related to actuarial profession,"HOUSE OF REPRESENTATIVES,SENATE,Treasury, Dept of",20000,,0,0,2023-10-10T13:45:37-04:00
3046875,9478e1d8-79c3-4c29-a37b-8f5b35fd60f7,Q3,FINSECA,298034,FINSECA,2023,third_quarter,FIN,H.R. 1059: SECURE Notarization Act of 2023 H.R. 1165: Data Privacy Act of 2023 Issues related to retirement security Information reporting for Certain Life Insurance Contract Transactions and Modifications to the Transfer for Valuable Consideration Rules (RE-103083-18),"HOUSE OF REPRESENTATIVES,Labor, Dept of (DOL),SENATE,Treasury, Dept of",,400000,0,0,2023-10-10T14:08:47-04:00
3047074,ab5edb41-4a96-4830-819c-74d0850a3e0f,Q3,SHEET METAL & AIR CONDITIONING CONTRACTORS NAT'L ASSN,35068,SHEET METAL & AIR CONDITIONING CONTRACTORS NAT'L ASSN,2023,third_quarter,FIN,"Support passage of the Secure and Fair Enforcement (SAFE) Banking Act of 2023 - H.R. 2891, S. 1323 SMACNA supports The Secure and Fair Enforcement Regulation (SAFER) Banking Act of 2023 - S. 2680","HOUSE OF REPRESENTATIVES,SENATE",,,0,0,2023-10-10T16:26:10-04:00
3047094,168306f9-a380-44b9-8599-cd7e160f0a38,Q3,CONSUMER DATA INDUSTRY ASSOCIATION,4788,CONSUMER DATA INDUSTRY ASSOCIATION,2023,third_quarter,FIN,"FCRA, Background checks","Consumer Financial Protection Bureau (CFPB),Federal Trade Commission (FTC)",,100000,0,0,2023-10-10T16:50:58-04:00
3047165,2c8fc60c-8097-48cf-82d1-4e73544e8450,Q3,HOLLAND & KNIGHT LLP,18466,"CERTIFIED FINANCIAL PLANNER BOARD OF STANDARDS, INC.",2023,third_quarter,FIN,Educating members of Congress and staff on financial planning business tax incentives and retirement issues and policy.,"HOUSE OF REPRESENTATIVES,SENATE",60000,,0,0,2023-10-10T17:53:41-04:00
3047172,d295fbf8-e39a-4f20-a431-ba5c1ded9427,Q3,HOLLAND & KNIGHT LLP,18466,NATIONAL ASSOCIATION OF PERSONAL FINANCIAL ADVISORS,2023,third_quarter,FIN,Educating members of Congress and staff on financial planning business tax incentives and retirement issues and policy.,"HOUSE OF REPRESENTATIVES,SENATE",10000,,0,0,2023-10-10T17:57:16-04:00
3047179,519921b6-4a1d-436a-95b9-2e04b649ab47,Q3,HOLLAND & KNIGHT LLP,18466,"RIOT PLATFORMS, INC. (F/K/A RIOT BLOCKCHAIN, INC.)",2023,third_quarter,FIN,Digital asset market issues.,"HOUSE OF REPRESENTATIVES,SENATE",80000,,0,0,2023-10-10T18:01:33-04:00
3047434,fbaf7e86-38d5-468e-911b-bb68baa4f384,Q3,MICHIGAN CREDIT UNION LEAGUE,25157,MICHIGAN CREDIT UNION LEAGUE,2023,third_quarter,FIN,"Lapses by the retail industry/merchants in securing consumer information continue to be extremely problematic and costly to consumers and financial institutions. MCUL is advocating that Congress hold retailers to the same or similar data security standards as the financial service industry has to abide by and require retailers notify credit unions sooner once a breach occurs. We support the introduction of legislation that ensures all businesses, institutions and organizations that collect, use or share personal data are subject to national standards, to include language that preempts state requirements, among other things. MCUL supports modernizing the Federal Credit Union Act (FCUA). The financial service industry is rapidly changing. Advancements in technology, including high speed internet connectivity, have significantly changed our society and how financial institutions do business. Updating the FCUA has become necessary to ensure federally chartered credit unions have the powers and flexibility to be competitive and members can benefit from new technology. We are currently supporting S. 539/H.R.4867, the Veterans Member Business Loan Act that would exempt credit union business loans to veterans from the member business lending cap and we are supporting H.R. 582/S.610, the Credit Union Board Modernization Act which would afford federal credit unions flexibility with regard to how often their boards meet. In addition, we are calling on Congress to pass H.R. 4868, the Member Business Loan Expansion Act, allowing the NCUA to extend the maturity limit on non-mortgage loans. MCUL is monitoring developments for GSE/housing finance reform and will advocate to make sure any reforms reflect the significant role credit unions play in the secondary mortgage market and we will defend against anything that is potentially harmful to credit unions and our members. MCUL is calling on Congress to pass bank secrecy act/anti-money laundering reforms and provide financial institutions relief from unnecessary, duplicate and burdensome rules and increase the SAR and CTR thresholds. MCUL is educating members of our congressional delegation on the growing interest among credit union members and credit unions in cryptocurrency. We believe Congress should explore ways to regulate the delivery of financial services using digital currencies to ensure consumers are protected in the same way if they received financial services from a financial institution. We urge Congress to look for ways to enable credit unions and other financial institutions to provide digital assets, so that these services can be properly overseen by federal regulators. Finally, credit unions seek parity with other financial institutions in this area as credit unions must be able to offer digital/crypto products and services directly to their members in the same way that other institutions can to their customers. MCUL is urging Congress to amend H.R. 4766, the Clarity for Payment Stablecoins Act of 2023, to remove current competitive barriers for credit unions in stablecoin legislation. MCUL remains opposed to a proposal by the U.S. Treasury Department and that has been discussed in Congress that would require financial institutions to report on an annual basis, the gross inflows and outflows, for member accounts (businesses and individuals). We have been educating our congressional delegation on the issue and urging them to reject including the proposal in future legislation. Lastly, credit unions are not-for-profit member-owned financial institutions, owned by members they service. Credit unions consumer-focused model is self-regulating and a principal reason why credit unions are not covered by the Community Reinvestment Act (CRA). MCUL will educate members of the delegation of the work credit unions are doing to serve low/moderate-income, diverse communities and the negative impacts of including credit unions in the CRA. We will oppose efforts that would result in credit unions of any size being included in the CRA.","HOUSE OF REPRESENTATIVES,SENATE",,20000,0,0,2023-10-11T13:24:00-04:00
3047442,5b935b72-b15d-40af-8acd-ff8d7b61e31c,Q3,CMFG LIFE INSURANCE COMPANY,80510,CMFG LIFE INSURANCE COMPANY,2023,third_quarter,FIN,"Work to keep insurance regulated by the states and not by the Consumer Financial Protection Bureau or set by international bodies. Oppose legislation to repeal the McCarran-Ferguson antitrust exemption for the business of insurance. Advocate for privacy measures in line with GLBA and HIPAA as applied to financial services. Support H.R. 1165, the Data Privacy Act introduced by HFSC Chairman McHenry. Support legislation of e-signatures, e-disclosures, and e-notarizations, including E-Sign Modernization Act. Support H.R.1059, SECURE Notarization Act. Support S. 869, the CDFI Bond Guarantee Program Improve Act. Support H.R. 3161, the CDFI Fund Transparency Act, which would require the Fund's Director to testify annually before the HFS and SB Committees. Support increased CDFI and MDI funding in President's FY 2024 Budget Proposal and House Appropriations FSSC Bill. Support H.R. 2891/S. 1323/S. 2860, the Secure and Fair Enforcement Banking SAFE Act and Secure and Fair Enforcement Regulation Banking (SAFER) Act. This bill generally prohibits a federal regulator from penalizing a financial institution for providing services to a legitimate cannabis-related business. Oppose H.R. 3881/S. 1838, the Credit Card Competition Act, a bill that would reduce interchange fees on credit cards. Support H.R. 1807, Improving Disclosure for Investors Act of 2023, to provide electronic delivery of SEC regulatory documents. Support H.R. 500, Financial Exploitation Prevention Act.","HOUSE OF REPRESENTATIVES,SENATE",,110000,0,0,2023-10-11T13:42:44-04:00
3047477,62687c95-b67d-403a-a220-a00b1d3c4d89,Q3,PUBLIC CITIZEN,32362,PUBLIC CITIZEN,2023,third_quarter,FIN,Corporate Lobbying Disclosure,"HOUSE OF REPRESENTATIVES,Securities & Exchange Commission (SEC),SENATE",,75000,0,0,2023-10-11T14:31:22-04:00
3047671,f9cef8e9-8409-41d2-953f-5bbf596f3a37,Q3,HOGAN LOVELLS US LLP,18422,"ELDRIDGE BUSINESS SERVICES, LLC",2023,third_quarter,FIN,"General issues related to insurance, financial services and agricultural policy.","HOUSE OF REPRESENTATIVES,SENATE",50000,,0,0,2023-10-11T16:14:04-04:00
3047982,eb20f417-fdb3-43e7-95d7-ce1fa3f446eb,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,2023,third_quarter,FIN,"Implementation of H.R.4865/S.3198, the Registration for Index-Linked Annuities Act, regarding the use of Statutory Accounting Principles. H.R. 1165, the Data Privacy Act of 2023 The swing pricing/hard close proposal issued by the Securities & Exchange Commission (no bills introduced.) Federal Home Loan Bank System Comprehensive Review; membership Environmental, Social, and Corporate Governance (ESG). No bill number assigned.","Commodity Futures Trading Commission (CFTC),HOUSE OF REPRESENTATIVES,Securities & Exchange Commission (SEC),SENATE",,480000,0,0,2023-10-12T10:51:29-04:00
3047991,12fa38df-f181-4162-8df9-f7aecf3b8cf0,Q3,HOLLAND & KNIGHT LLP,18466,"PCI SECURITY STANDARDS COUNCIL, LLC",2023,third_quarter,FIN,"Payment card security standards issues related to data breach, privacy, data security, and cyber security.","HOUSE OF REPRESENTATIVES,SENATE,White House Office",60000,,0,0,2023-10-12T10:59:35-04:00
3048009,04ad92ed-2f93-4f56-8dff-b03c6085daa1,Q3,HOLLAND & KNIGHT LLP,18466,ALIBABA GROUP HOLDING LIMITED,2023,third_quarter,FIN,Issues related to access to U.S. capital markets.,,80000,,0,0,2023-10-12T11:08:13-04:00
3048110,b7d8e7af-2bb0-4269-a905-1dcf66011027,Q3,SQUIRE PATTON BOGGS,30906,THE KROGER CO.,2023,third_quarter,FIN,Discuss support for the Credit Card Competition Act (whole bill).,"HOUSE OF REPRESENTATIVES,SENATE",80000,,0,0,2023-10-12T12:21:00-04:00
3048203,90b451ca-5a32-4d9f-9661-afe657e7ffe9,Q3,"PORTERFIELD, FETTIG & SEARS, LLC",305054,NATIONAL AUTOMOBILE DEALERS ASSOCIATION,2023,third_quarter,FIN,General issues related to indirect auto financing; issues relating to FTC's motor vehicle trade regulation rule.,"HOUSE OF REPRESENTATIVES,SENATE",50000,,0,0,2023-10-12T13:38:39-04:00
3048300,e1f65d21-dc22-4d0c-80f5-aa351d728499,Q3,COMMUNITY BANKERS ASSOCIATION OF ILLINOIS,400531588,COMMUNITY BANKERS ASSOCIATION OF ILLINOIS,2023,third_quarter,FIN,"CBAI 2023 Federal Policy Priorities - The Community Bankers Association of Illinois (CBAI) supports fair competition for financial services, tiered regulations, 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. Based on these guiding principles, CBAI has identified the following 2023 Federal Legislative and Regulatory Policy Priorities, which if implemented, will help community banks thrive and better serve their customers and communities. Traditional Issues, Opportunities and Concerns Additional Meaningful Regulatory Relief for Community Banks The importance of community banks cannot be overstated, and they serve their customers and communities honestly and with respect. CBAI joins the ICBA in supporting a more efficient system of rules and regulations, unbiased laws governing the financial sector, a safer and more secure business environment, and more efficient agricultural policies to support the nations economic growth and development in all parts of the country. Community Bank Position on Credit Unions and Their Expanded Powers Credit unions have long since strayed from their founding purpose of serving individuals of modest means and with a common bond. They blatantly abuse their competitive advantages and are virtually indistinguishable from tax-paying community banks. Credit union acquisitions of community banks is a recent and disturbing trend that negatively impacts all taxpayers. An exit fee should be imposed on these acquisitions. This escalation of credit unions abusing of their tax-exemption should prompt Congress to act now. This abuse is an existential threat to community banks and the communities they serve. Community Bank Position on the Farm Credit System and its Expanded Powers The Farm Credit System (FCS) has long since strayed from its founding purposes, blatantly abusing its competitive advantages against community banks. The FCS is the only GSE that competes directly with community banks. This blatant and continuing discrimination against community banks must end and FCS competitive advantages must be reined-in, and the playing field leveled for community banks. Enhanced Data, Cyber and Payment Card Security (Data Security) Enhanced security standards should be enforced through a tiered system where the more restrictive rules and are imposed on the largest and most critical members of the financial system and economy where their lapses pose the greatest threat to the largest number of consumers. Core data security principals in standards enacted by legislation and regulations must include the complete cost of data breaches being borne by that party that caused the breach; all participants should be subject to verifiable Gramm-Leach-Bliley Act-like data security standards; and any new data security standard proposals should ensure that community banks are not overburdened with redundant standards. Consumer Financial Protection Bureau (CFPB) Reform and Meaningful Exemptions for Community Banks Regulations promulgated by the 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. 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, these firm 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 has the statutory authority under the Dodd-Frank Act to exempt any class of providers [community banks] or any products or services from the rules it writes, 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. De Novo Community Bank Formation, the Dual Banking System and Charter Choice Newly chartered (de novo) community banks are vitally important to maintaining a strong, growing, evolving and vibrant profession in the face of banking industry consolidation. Many new banks must be chartered each year to help maintain the vitality of the community banking profession. The dual banking system, where chartering and supervision is divided between the federal government and the states, is important and must be maintained. 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 as well as improved rulemaking on complex issues. Sound Principles for Housing Government Sponsored Entity (GSE) Reform The seemingly endless and ongoing period of government ownership and control of Fannie and Freddie must come to an end. GSE reform remains critically important to the future of the housing market and the U.S. economy. Community banks depend on the GSE for direct access to the secondary market. The GSEs must provide a steady and reliable source of funding for home mortgage lending for lenders of all sizes and through all economic cycles. This is particularly critical to maintaining liquidity when the markets are experiencing financial stress. Financial Transaction Tax Tax laws should encourage and promote robust economic activity and a thriving community banking sector, not impose new bank-specific fees, punitive new levies, transaction taxes, limitations on the deductibility of expenses, revenue offsets or pay-fors that target the banking industry. Rather, there should be parity among all financial service providers; there should be tax incentives for community banks serving low- and moderate-income individuals, small businesses, and small farms; and there should be a tax credit equivalent to the cost of community bank compliance with BSA compliance. Responsible Bank Merger Activity New bank merger legislation or regulation should not apply to community banks. Rather, policymakers should seriously consider the impact on our financial system, economy, and American taxpayers by allowing the nations mega banks, which are too big and unable to fail, to become even larger and more interconnected. Current Issues, Opportunities and Concerns Bank Regulators Involvement in Resolving Reimbursement for Fraudulently Altered Returned Checks CBAIs member community banks have been experiencing a pernicious and growing problem with reimbursements for fraudulently altered checks drawn on their customers accounts. The problem can be accurately summarized as being caused by the nations largest banks and credit union, where these checks were deposited in fraudulent accounts, which is harming community banks and their customers, in addition to undermining the publics confidence in the nations banking and financial system. CBAI has urged the regulators to get involved and address this problem. Finally Address the Risks of Too-Big-To-Fail (and now Too-Big-To-Not-Completely-Insure) Banks and Financial Firms to Protect Our Financial System, the Economy, and American Taxpayers from Future Bailouts TBTF The financial crisis, taxpayer bailouts, and subsequent recession was caused by the misconduct of the nations largest banks and financial firms. 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. TBTNCI The recent failures of two large banks in early 2023, and the FDIC insuring 100% of their uninsured deposits, have raised new concerns about deposit insurance and have prompted calls for broader FDIC reforms. If systemically important financial institutions (SIFIs) cause losses to the Deposit Insurance Fund (DIF) then SIFIs should be responsible for reimbursing the DIF for those losses. Legitimate Bank Service Charges and Fees are not Exploitive and Junk Fees CBAI does not support overdraft policies and practices that abuse consumers. Policymakers must accept that it is the consumers responsibility to always know their account balance and not write checks or initiate debit transactions that would overdraw their account. The cost for processing overdrafts may include returning the item or paying the overdraft which creates the equivalent of an unauthorized, unsecured, and interest-free loan. Effectively managing risks associated with overdrafts is a safety and soundness regulatory requirement. Realistic Perspective on Financial Inclusion CBAI supports government initiatives that educate consumers and encourage financial inclusion, but it is not the proper role of government to provide banking services direct to individuals either through the Federal Reserve, state-owned public banks, or the U.S. Postal Service. Providing banking services to individuals and businesses is the proper role of the private-sector banking system. Government can assist the private sector in financial inclusion efforts especially to low- and middle-income consumers, which are those most likely to be un- or underbanked. Governments Unnecessary Intrusion into Banking and Lending Which Displaces Community Banks. SBA Direct Lending Community banks and the SBA have a long, beneficial, and cooperative private sector/public sector relationship, where SBA does not compete with banks in lending to small businesses. Direct SBA lending would violate this tradition. Community banks are far superior in establishing and prudently underwriting commercial lending relationships. The SBA originating and disbursing 7(a) loans will put billions of taxpayer dollars at risk of loss. Postal Banking Postal banking is misguided and any entry of the USPS (Postal Service) into banking services is a significant government-sponsored, competitive threat to the viability of tax-paying community banks. Public Banking Public banking (i.e., publicly owned banks) is misguided and is a significant government-sponsored, competitive threat to the viability of tax-paying community banks. Responsible Regulation of Digital Assets - Cryptocurrency, Central Bank Digital Currency (CBDC), and Stablecoins The risks posed by digital assets are enormous, as well as the consequences for monetary policy, our financial system, and the banking industry (i.e., disintermediation.). They also pose threats to the privacy and security of consumers and small businesses. Of great concern is that there is no single regulator responsible for this rapidly growing sector which combines elements of currency, payments, and investments, and there is insufficient transparency and lack of accountability in this ecosystem. Policymakers must cooperate and collaborate in the development and implementation of a comprehensive approach to ensure a consistent Federal regulatory framework that does not permit digital assets to threaten the essential and highly successful business model of regulated and responsible community banks. Federal Home Loan Banks in their Comprehensive Review 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. The results of the Comprehensive Review by the FHFA should not disrupt the cooperative structure, regional nature, special functions, and the unique purposes of the FHLBanks. Reasonable Rules and Implementation Small Business Data Collection (CFPB) Small business lending data clearly suggests fair lending is not a problem at community banks as they treat their customers honestly and fairly. The regulatory burden of these collection and reporting requirements falls disproportionately hard on community banks, and community banks should be provided with meaningful exemptions in this rulemaking. Customer Data Sharing (CFPB) Community banks are financially sound and take great care in protecting consumer privacy. Non-bank entities must be held responsible for ensuring the safety of the customer information they are accessing and to be able to satisfy the liability for any financial harm which they cause community banks and their consumers. Modernizing the Community Reinvestment Act (CRA) (OCC, Federal Reserve and FDIC) 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 every financial institutions performance in serving their communities. A modernization of the CRA that does not encompass credit unions, Farm Credit System lenders and Fintechs (including the OCCs Special Purpose National Banks) will be a sham. Reporting Beneficial Ownership Information (FinCEN) Provisions in the NDAA in the 116th Congress shifted the burden of collecting and reporting beneficial ownership to FinCEN. This transfer must be accomplished completely and expeditiously. Safe Harbor for Banking Cannabis-Related Businesses Without taking a position on the legalization of cannabis, a safe harbor from federal sanctions for financial institutions that choose to serve legally compliant cannabis-related business in states where cannabis is legal is a matter of public safety and should be permitted. Closing the Industrial Loan Company (ILC) Regulatory Loophole ILCs represent the unacceptable mixing of banking and commerce. They pose risks to the financial system, our economy and American taxpayers. ILCs are the functional equivalent of banks and should be properly regulated. The loophole permits their holding companies from being supervised and regulated by the Federal Reserve - and must be closed. Agriculture and Rural America A vibrant 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 cuts or any adverse changes that would discourage farmer and rancher participation or undermine private-sector delivery. Federal Reserves Role in Payments System Improvement (FedNow Service) A fast and secure payments system is the very foundation of financial services and the economy and must be modernized. The payments system must not be monopolized by The Clearing House and its 25 large bank owners that endangered our financial system and the entire economy during the financial crisis. Community banks, small businesses and consumers must rely on the Federal Reserve to provide access to a safe and secure payments system. The Federal Reserve must be supported in its development of the FedNow Service to ensure that all participants have access to a real-time system on a fair and impartial basis. Appropriate Regulations of Fintechs and Innovation in Financial Services Financial innovation presents community banks with challenges and opportunities which they are rising to meet. Policymakers should reasonably assist community banks to prepare for this new and evolving era, not pose any unreasonable requirements, and not give fintechs any competitive advantages over community banks by subjecting them to lesser regulatory requirements. IRS Reporting Plan The various proposed IRS reporting requirements are unprecedented, misguided, raise serious concerns about government overreach, and is an invasion of their financial privacy. If implemented, they will damage the trusted and beneficial relationship between community banks and their customers. If the IRS wants to ensure greater compliance with tax laws, it can be accomplished by more appropriately using the existing tools and the wealth of information it currently possesses. Harmful Climate Risk Regulations CBAI opposes any climate change regulations that will adversely impact community banks and their ability to support their customers and communities including setting hard lending concentration limits on lending to fossil fuel or other carbon-intensive industries, stress testing or scenario analysis based on adverse climate change assumptions, and capital requirements based on climate risks. Community bankers high-contact and relationship-based lending model together with the soon-to-be-implemented Current Expected Credit Loss model, will incorporate material risk assumptions in estimating loan losses - including climate risks. Additional separate climate risk stress testing, concentration limits, and capital requirements for community banks are duplicative and unnecessary. (House and Senate, Federal Reserve, OCC, FDIC) Legislation and Regulation - H.R. 3139 and S. 2371- ACRE Act of 2023 (Access to Credit for our Rural Economy Act) (All Sections), legislation that will exclude from the gross income of certain financial lending institutions, for income tax purposes, interest received on loans secured by rural or agricultural real estate (House and Senate) S. 1838. And H.R. 3881 - Credit Card Competition Act of 2023 (all Sections), legislation that will amend the Electronic Fund Transfer Act to require the Board of Governors of the Federal Reserve System to prescribe regulations relating to network competition in credit card transactions (House and Senate) Senate Small Business Committee markup of legislation that would include curbing the Administrations plan to expand the role of financial technology firms (non-bank lenders) in providing government-backed (SBA) small-business loans Letters - Comment Letter to the FDIC regarding Proposed Rule - Special Assessment Pursuant to Systemic Risk Determination - RIN 3064-AF93 (FDIC) Joint Trades letter with the Illinois Farm Bureau regarding H.R. 3139 and S. 2371- The ACRE Act (Access to Credit for our Rural Economy Act) (All Sections), legislation that will exclude from the gross income of certain financial lending institutions, for income tax purposes, interest received on loans secured by rural or agricultural real estate (House and Senate) Action Alerts - Action Alert regarding Urging the FDIC to Finalize and Exemption for Community Banks from Paying a Special Assessment in Connection with the Failures of SVB and SBNY (FDIC) Miscellaneous - Reimbursements from the largest banks for fraudulently altered return checks (Fraud Returns) including - the regulators intervention, providing dedicated resources to lodge complaints, Joint Regulatory Supervisory Guidance, dedicated points of contact at the largest banks, Community Bankers Association of Illinois member guidance with directions on filing complaints to the federal regulators, and the enhanced supervision of the largest banks for CDD and CIP compliance (House, Senate, OCC, FDIC, Federal Reserve) Direct Deposit Diversion Fraud and the nexus between this type of fraud and reimbursements for fraudulently altered return checks (Fraud Returns) (Federal Reserve) Professor Arthur Wilmarths Linkedin post and American Banker Bank Think article opposing PayPals plan to issue stablecoin (House and Senate)","Federal Deposit Insurance Corporation (FDIC),Federal Reserve System,HOUSE OF REPRESENTATIVES,Office of the Comptroller of the Currency (OCC),SENATE",,60000,0,0,2023-10-12T14:48:51-04:00
3048315,2d1dfa78-efe6-489a-a2bc-560d26158591,Q3,AU STRATEGIES LLC,401106746,REINSURANCE GROUP OF AMERICA,2023,third_quarter,FIN,"Pensions, International Trade","HOUSE OF REPRESENTATIVES,SENATE",30000,,0,0,2023-10-12T14:59:24-04:00
3048483,5ea556b3-baf0-4885-b0a0-b16fb4e64fe7,Q3,KASOWITZ LLP,401103221,BIZ2CREDIT INC.,2023,third_quarter,FIN,Monitor and advocate for relevant legislation and regulations regarding fintechs and small businesses.,"HOUSE OF REPRESENTATIVES,SENATE,Small Business Administration (SBA),Treasury, Dept of",44540,,0,0,2023-10-12T16:42:02-04:00
3048580,b98d6d07-28d7-4d63-a13b-8d763aab7e5d,Q3,"RWC, INC",400510505,COIN CENTER,2023,third_quarter,FIN,Issues related to cryptocurrency technology,"Commodity Futures Trading Commission (CFTC),Financial Crimes Enforcement Network (FinCEN),HOUSE OF REPRESENTATIVES,Office of the Comptroller of the Currency (OCC),Securities & Exchange Commission (SEC),SENATE,Treasury, Dept of",100000,,0,0,2023-10-12T17:24:05-04:00
3048607,52c9caff-fcf7-4656-94ff-3bbc9a5956c3,Q3,"DUTKO WORLDWIDE, LLC",12868,ACCENTURE FEDERAL SERVICES LLC,2023,third_quarter,FIN,Monitor financial services IT modernization,"Federal Housing Finance Agency (FHFA),Federal Retirement Thrift Investment Board,HOUSE OF REPRESENTATIVES,Internal Revenue Service (IRS),Securities & Exchange Commission (SEC),SENATE,Treasury, Dept of",40000,,0,0,2023-10-12T17:50:58-04:00
3048618,1347d690-66d2-4345-83dd-f90a53525673,Q3,"EDUCATION FINANCE COUNCIL, INC.",13153,EDUCATION FINANCE COUNCIL INC,2023,third_quarter,FIN,"Requesting clarifying guidance related to Sec. 144(b), the use of tax-exempt bonds for education loan refinancing programs.","Internal Revenue Service (IRS),Treasury, Dept of",,17392,0,0,2023-10-12T18:03:21-04:00