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
2101268,ff4cb1cf-4dfa-49c7-ac32-3d2fb4247c02,1T,RENEE RAPPAPORT,401104515,ASSOCIATION OF MILITARY BANKS OF AMERICA,2018,first_quarter,BAN,HR 2810 - Title 28  Financial Institutions on Military Bases,"HOUSE OF REPRESENTATIVES,SENATE",,,0,1,2018-03-12T12:52:17.407000-04:00
2101351,a1c1e7ad-e548-48ad-acdd-0a4dfe302904,1T,HENLEY STRATEGIES LLC,401104261,INNOVATIVE LENDING PLATFORM ASSOCIATION,2018,first_quarter,BAN,"The Financial Transparency Act (H.R. 1530)
OCC Charter issues (no Bill)
The Making Online Banking Initiation Legal and Easy (MOBILE) Act of 2016 (H.R. 1457
Protecting Consumers Access to Credit Act (H.R. 3299)
The Financial Services Innovation Act of 2016 (H.R. 6118)
IRS API Legislation","HOUSE OF REPRESENTATIVES,SENATE,Small Business Administration (SBA),Treasury, Dept of,White House Office",6000,,0,1,2018-03-27T14:43:53.617000-04:00
2101358,286ca1dc-1232-46c6-9683-cab70e4e563d,1T,"SIXKILLER CONSULTING, LLC",400635921,HABEMATOLEL POMO OF UPPER LAKE,2018,first_quarter,BAN,Issues related to e-commerce.,"HOUSE OF REPRESENTATIVES,Interior, Dept of (DOI),SENATE",10000,,0,1,2018-03-28T00:06:22.710000-04:00
2101390,abd34940-a2d2-470c-8793-6c50d0e7ee0b,Q1,THE AMERICAN INSTITUTE OF AERONAUTICS AND ASTRONAUTICS,2627,THE AMERICAN INSTITUTE OF AERONAUTICS AND ASTRONAUTICS,2018,first_quarter,BAN,Confirm the four pending Export-Import Bank Board nominees awaiting a floor vote,"HOUSE OF REPRESENTATIVES,SENATE",,23200,0,0,2018-03-28T11:15:04.377000-04:00
2101478,a3182085-2eef-4b51-8cef-926109b52019,Q1,RICH FEUER ANDERSON,84775,APPRAISAL INSTITUTE,2018,first_quarter,BAN,"Regulation of appraisers, including modernization of regulatory structure, including H.R. 2133, the ""Community Lending Enhancement and Regulatory Relief Act of 2017,"" and S.2155, the ""Economic Growth, Regulatory Relief, and Consumer Protection Act.""","HOUSE OF REPRESENTATIVES,SENATE",30000,,0,0,2018-04-01T17:40:49.607000-04:00
2101481,0063066b-88fd-4fd6-9edd-642ba09fe452,Q1,"GALLANT GOVERNMENT & LAW GROUP, LLC",401104782,ARTICHOKE JOE'S CASINO,2018,first_quarter,BAN,"Issues related to the modernization of the Bank Secrecy Act, including H.R. 4373, the AML and CTF Modernization Act.","HOUSE OF REPRESENTATIVES,SENATE",10000,,0,0,2018-04-01T20:23:55.673000-04:00
2101640,f0e2cb3f-340b-4abd-89f1-7dbab0fd558e,Q1,HOLLAND & KNIGHT LLP,18466,MORTGAGE BANKERS ASSOCIATION,2018,first_quarter,BAN,Tax deductions for mortgage interest; reform of mortgage government-sponsored enterprises; refinancing legislation; FHA fees; low-income housing tax credit.,"HOUSE OF REPRESENTATIVES,SENATE",30000,,0,0,2018-04-02T14:48:59.587000-04:00
2101855,d7992870-40e5-4e83-ab7f-ed20731ae525,Q1,"MAGILL ASSOCIATES, LLC",401103511,MOUNTAIN WEST CREDIT UNION ASSOCIATION,2018,first_quarter,BAN,"Legislation affecting credit unions, including the credit union federal tax exemption, and S.2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act, which would provide regulatory relief to credit unions.","HOUSE OF REPRESENTATIVES,SENATE",10000,,0,0,2018-04-03T11:15:12.297000-04:00
2101856,65d62f04-7f33-4373-ae82-3e80d6be6887,Q1,"MORRISON & FOERSTER, LLP",25897,AMERICAN BANKERS ASSOCIATION,2018,first_quarter,BAN,Cybersecurity and breach notification,"HOUSE OF REPRESENTATIVES,SENATE",20000,,0,0,2018-04-03T11:17:13.613000-04:00
2101885,e1c26b8d-4105-4179-a1f1-420b70e99917,Q1,"MAGILL ASSOCIATES, LLC",401103511,"LIVINGSTON GROUP L L C ""ON BEHALF OF THE PEW CHARITABLE TRUSTS""",2018,first_quarter,BAN,The Consumer Financial Protection Board's (CFPB) 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,Office of the Comptroller of the Currency (OCC),SENATE",40000,,0,0,2018-04-03T14:30:44.857000-04:00
2101889,d0d5fbc2-d09d-470f-b98d-0163216a8443,Q1,AMERICAN FINANCIAL SERVICES ASSOCIATION,2354,AMERICAN FINANCIAL SERVICES ASSOCIATION,2018,first_quarter,BAN,"Dodd Frank Wall Street Reform and Consumer Protection Act and proposed reform bills (S. 2155, HR 5266), Auto Lending (CFPB regulations), Consumer Privacy (HR 2396), Industrial Loan Banks, Installment Lending, Military Lending (DoD regulations), Mortgage Lending, Payment Cards, Small Business Lending, Tax Reform, Telephone Consumer Protection Act, HJ Res 122 and SJ Res 56 on CRA for payday lending, SJ Res 57 on CFPB auto lending","Consumer Financial Protection Bureau (CFPB),Defense, Dept of (DOD),Federal Communications Commission (FCC),Federal Reserve System,Federal Trade Commission (FTC),HOUSE OF REPRESENTATIVES,Housing & Urban Development, Dept of (HUD),Office of Management & Budget (OMB),Office of the Comptroller of the Currency (OCC),SENATE,Small Business Administration (SBA),Treasury, Dept of,Vice President of the U.S.,White House Office",,150000,0,0,2018-04-03T14:50:48.837000-04:00
2101991,6ddc245f-36f7-477b-be87-88c34b29d4f1,Q1,"HEIDEPRIEM & ASSOCIATES, LLC",400394851,PROMONTORY INTERFINANCIAL NETWORK,2018,first_quarter,BAN,Enabling community banks to use reciprocal deposits without having them deemed brokered.,,40000,,0,0,2018-04-04T10:47:54.193000-04:00
2102039,77fbc153-d050-43e6-be86-0b3db952fff3,Q1,"NEW YORK COMMUNITY BANK, INC.",401104689,"NEW YORK COMMUNITY BANK, INC.",2018,first_quarter,BAN,"Regulatory reform bill (S. 2155), Economic Growth, Regulatory Relief and Consumer Protection Act. We support raising the threshold for designation as a systemically important financial institution","HOUSE OF REPRESENTATIVES,SENATE",,13000,0,0,2018-04-04T12:03:35.157000-04:00
2102086,6688e5a7-885b-4ede-a9b2-5356dc5a352f,Q1,RICH FEUER ANDERSON,84775,GENWORTH FINANCIAL INC,2018,first_quarter,BAN,"Housing finance reform and operation of the Federal Housing Administration and the Federal government-sponsored housing enterprises, including H.R. 3556, the ""Taxpayer Protections and Market Access for Mortgage Finance Act of 2017.""","HOUSE OF REPRESENTATIVES,SENATE",30000,,0,0,2018-04-04T14:27:26.823000-04:00
2102090,765aad5f-889f-4389-8434-1387336ead89,Q1,RICH FEUER ANDERSON,84775,BLACKROCK FUNDS SERVICES GROUP LLC (FORMERLY BLACKROCK CAPITAL MANAGEMENT INC.),2018,first_quarter,BAN,"Implementation of the ""Dodd-Frank Wall Street Reform and Consumer Protection Act,"" including fund naming provisions; S. 2155, the ""Economic Growth, Regulatory Relief, and Consumer Protection Act;"" H.R. 3093, the ""Investor Clarity and Bank Parity Act;"" and H.R. 10, the ""Financial CHOICE Act.""  Regulation of asset managers as systemically important financial institutions.","HOUSE OF REPRESENTATIVES,SENATE",80000,,0,0,2018-04-04T14:38:30.930000-04:00
2102105,0c6067ca-749c-47db-97c6-43d95f73d440,Q1,"ALLON ADVOCACY, LLC",401104657,YODLEE INC.,2018,first_quarter,BAN,"Consumer-permissioned financial data access; regulation of bank third-parties, including S. 2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act.","Consumer Financial Protection Bureau (CFPB),Federal Deposit Insurance Corporation (FDIC),Federal Reserve System,Financial Crimes Enforcement Network (FinCEN),HOUSE OF REPRESENTATIVES,Labor, Dept of (DOL),Natl Economic Council (NEC),Office of the Comptroller of the Currency (OCC),Securities & Exchange Commission (SEC),SENATE,Treasury, Dept of",100000,,0,0,2018-04-04T15:05:47.180000-04:00
2102110,34d8ac85-a218-4391-938b-d15121902f4f,Q1,RICH FEUER ANDERSON,84775,"AMAZON CORPORATE, LLC",2018,first_quarter,BAN,"Legislation affecting payments systems, cybersecurity, data security and breach notification.  Implementation of the ""Dodd-Frank Wall Street Reform and Consumer Protection Act,"" including provisions relating to debit interchange fees and H.R. 10, the ""Financial CHOICE Act of 2017.""  Regulations affecting use of cloud computing by financial institutions.","HOUSE OF REPRESENTATIVES,SENATE",40000,,0,0,2018-04-04T15:07:48.600000-04:00
2102113,61a6b981-5a69-4375-a59b-432af92aa272,Q1,"ALLON ADVOCACY, LLC",401104657,ACHIEVE,2018,first_quarter,BAN,"H.R. 10, The Financial CHOICE Act, S. 2155, The Economic Growth, Regulatory Relief, and Consumer Protection Act, issues related to consumer unsecured debt settlement and marketplace lending","Consumer Financial Protection Bureau (CFPB),HOUSE OF REPRESENTATIVES,SENATE,Treasury, Dept of",80000,,0,0,2018-04-04T15:08:49.977000-04:00
2102239,0145eb1c-fce0-4238-a108-10e0d8e24168,Q1,MCDERMOTT WILL & SCHULTE LLP,24338,AMERICAN COALITION FOR TAXPAYER RIGHTS,2018,first_quarter,BAN,"Legislation and regulation related to the provision or facilitation of tax services and related financial products, including S. 809, S. 912, H.R. 2018 and H.R. 3511.  Addressing tax reform issues regarding personal income tax preparation and regulation.","Federal Reserve System,HOUSE OF REPRESENTATIVES,Internal Revenue Service (IRS),SENATE,Treasury, Dept of",40000,,0,0,2018-04-05T14:49:17.897000-04:00
2102290,f056d193-120d-4b94-9c40-444797fce7e6,Q1,NATIONAL VENTURE CAPITAL ASSOCIATION,21687,NATIONAL VENTURE CAPITAL ASSOCIATION,2018,first_quarter,BAN,"Small company capital formation issues, capital markets reform to encourage more US IPOs; Disclosure of material short positions, Dodd-Frank regulatory issues, Volcker rule, Registered Investment Advisor rules, Implementation of JOBS Act, Tick Size Pilot, venture exchanges, HALOs Act, Fostering Innovation Act H.R. 4139/S. 1645, Corporate Governance Reform and Transparency Act H.R. 4015, beneficial ownership disclosure rules/Counterterrorism & Illicit Finance Act, Foreign Investment Risk Review Modernization Act S. 2098/H.R. 4311, Economic Growth, Regulatory Relief, and Consumer Protection Act S. 2155, cryptocurrency regulation, and House Innovation Initiative.","Centers For Medicare and Medicaid Services (CMS),Commodity Futures Trading Commission (CFTC),Federal Communications Commission (FCC),Food & Drug Administration (FDA),Homeland Security, Dept of (DHS),HOUSE OF REPRESENTATIVES,Office of Science & Technology Policy (OSTP),Office of the Comptroller of the Currency (OCC),Patent & Trademark Office (PTO),Securities & Exchange Commission (SEC),SENATE,Small Business Administration (SBA),Treasury, Dept of,White House Office",,511423,0,0,2018-04-05T16:02:45.610000-04:00
2102309,18c910fd-94a6-4285-b1e0-0e46706d20d1,Q1,MCDERMOTT WILL & SCHULTE LLP,24338,SANTA BARBARA TAX PRODUCTS GROUP,2018,first_quarter,BAN,"Legislation and agency regulation concerning tax time financial products, including but not limited to prepaid debit cards.","HOUSE OF REPRESENTATIVES,SENATE",,,0,0,2018-04-05T16:33:07.007000-04:00
2102444,38b851e6-ea1b-4d8e-9069-6aceb0a81c7e,Q1,THE WILLIAMS GROUP,401104049,NATIONAL BANKERS ASSOCIATION,2018,first_quarter,BAN,Financial Regulatory Reform,"HOUSE OF REPRESENTATIVES,SENATE",7500,,0,0,2018-04-06T11:30:17.133000-04:00
2102659,f8e7516f-e1a1-4d65-a8d9-34f4c6ebfd06,Q1,MARSHALL BRACHMAN,6848,LOCKHEED MARTIN AERONAUTIC SECTOR,2018,first_quarter,BAN,support defense financing provisions,"HOUSE OF REPRESENTATIVES,SENATE",25570,,0,0,2018-04-07T17:57:41.067000-04:00
2102663,f132f7d5-df7b-424f-97b3-050c10fc7d26,Q1,MARSHALL BRACHMAN,6848,ZIONS BANCORP,2018,first_quarter,BAN,"monitor Banking legislation on FHLB regarding rural infrastructure
monitor Banking legislation related to student loans
Support legislation on SIFI redifinition S 1893 and HR 3312
oppose Federal Reserve Interest pay for
monitor credit union tax status","HOUSE OF REPRESENTATIVES,SENATE",24000,,0,0,2018-04-07T18:08:42.500000-04:00
2102804,e7b2cc3b-290f-4dfe-92d1-62b470386e9f,Q1,I STREET ADVOCATES,51753,PAYPAL,2018,first_quarter,BAN,financial technology policy,"HOUSE OF REPRESENTATIVES,SENATE",20000,,0,0,2018-04-09T09:41:28.427000-04:00
2102871,df5d70a0-b8aa-4b67-8af6-5215aa2d5cbe,Q1,LOWE'S COMPANIES INC.,312678,LOWE'S COMPANIES INC.,2018,first_quarter,BAN,Durbin Amendment (routing fees) on Dodd Frank Repeal,"Energy, Dept of,HOUSE OF REPRESENTATIVES,SENATE,White House Office",,140000,0,0,2018-04-09T11:27:14.963000-04:00
2102960,3af28705-a05a-4fd7-aca1-7054ab6507c0,Q1,PHILIP BECHTEL,284356,COUNCIL OF FEDERAL HOME LOAN BANKS,2018,first_quarter,BAN,Housing finance reform; Dodd-Frank regulatory relief(H.R. 10)(S. 2155);Dodd-Frank implementation; Basel III implementation; CFTC reauthorization legislation - identified banking products treatment for FHLBank advances; general FHLBank matters.,"Federal Deposit Insurance Corporation (FDIC),Federal Housing Finance Agency (FHFA),HOUSE OF REPRESENTATIVES,SENATE",70000,,0,0,2018-04-09T13:37:09.460000-04:00
2103027,fb9ef196-af8b-4f8c-984e-cdc0e5297d55,Q1,NATIONAL ASSOCIATION FOR COLLEGE ADMISSION COUNSELING,54916,NATIONAL ASSOCIATION FOR COLLEGE ADMISSION COUNSELING,2018,first_quarter,BAN,"Student loans, Mandatory arbitration clauses","Consumer Financial Protection Bureau (CFPB),Education, Dept of,Federal Trade Commission (FTC),HOUSE OF REPRESENTATIVES,SENATE",,40000,0,0,2018-04-09T15:40:07.847000-04:00
2103043,bbc4e9eb-feb6-45a1-826e-acd4e3a8e6ea,Q1,"TIMOTHY R. RUPLI & ASSOCIATES, INC.",56417,INDEPENDENT COMMUNITY BANKERS OF AMERICA,2018,first_quarter,BAN,"Implementation and reform of the Dodd-Frank Wall Street Reform and Consumer Protection Act (P.L.111-203), Consumer Financial Protection Bureau (CFPB) reform, systemic risk, ending ""too big to fail"", GSE reform, capital requirements, regulatory relief for community banks including S. 2155, mortgage lending reform and tax relief for community banks. Financial Services Authorization and Financial Services and General Government Appropriations bills, Sub-Chapter S tax relief.","Consumer Financial Protection Bureau (CFPB),Federal Deposit Insurance Corporation (FDIC),HOUSE OF REPRESENTATIVES,SENATE",180000,,0,0,2018-04-09T16:47:21.673000-04:00
2103072,47a16bae-e280-4d42-a620-af02ebd33357,Q1,RICH FEUER ANDERSON,84775,"SOCIAL FINANCE, INC.",2018,first_quarter,BAN,"Regulation of online lenders, including potential national charter, application of banking regulations, and S.2155, the ""Economic Growth, Regulatory Relief, and Consumer Protection Act.""  Securitization of student loans.","HOUSE OF REPRESENTATIVES,SENATE,Treasury, Dept of",60000,,0,0,2018-04-09T18:43:47.143000-04:00
2103176,3d59c308-be74-456c-9c19-88c0952a80ec,Q1,KATE MOSS,25988,TRANSUNION CORPORATION,2018,first_quarter,BAN,Fair Credit Reporting Act and issues related to identity theft and data security,"HOUSE OF REPRESENTATIVES,SENATE",20000,,0,0,2018-04-10T11:03:24.900000-04:00
2103181,f1923235-cba8-4b8f-90d1-bda686c3c3a2,Q1,KATE MOSS,25988,DISCOVER FINANCIAL SERVICES,2018,first_quarter,BAN,"Legislation related to ""swipe fees"" and SIFI institutions","HOUSE OF REPRESENTATIVES,SENATE",20000,,0,0,2018-04-10T11:06:31.807000-04:00
2103208,5c279f5c-ca90-40ca-90e3-b1c790ac8784,Q1,COUNCIL OF FHLBANKS,11060,COUNCIL OF FHLBANKS,2018,first_quarter,BAN,Housing finance reform; Dodd-Frank regulatory relief (H.R. 10)(S.2155); Dodd-Frank implementation; Basel III implementation; CFTC reauthorization legislation - identified banking products treatment for FHLBank advances; general FHLBank matters.,"Federal Deposit Insurance Corporation (FDIC),Federal Housing Finance Agency (FHFA),HOUSE OF REPRESENTATIVES,SENATE",,330000,0,0,2018-04-10T11:17:52.350000-04:00
2103312,19365e3b-a37f-48d8-9a04-1502a0b0f572,Q1,"REDMOND ASSOC, LAWRENCE M.",32921,LEAFLINE LABS,2018,first_quarter,BAN,Federal prohibitions on financial institutions providing banking services to medical cannabis businesses.,"HOUSE OF REPRESENTATIVES,SENATE",10000,,0,0,2018-04-10T13:40:25.437000-04:00
2103314,a944e664-4906-4a21-8edd-6d6ad02bb65a,Q1,COMMERCE BANK,400728185,COMMERCE BANK,2018,first_quarter,BAN,"Financial and banking regulatory reform, including H.R. 1116 and S. 366, the Tailor Act, which accounts for the fact that a bank's risk is not measured by size alone, but allows regulators to tailor regulatory action depending on a bank's risk profile and business model.  Additionally, discussions about the merits of the CHOICE Act.","HOUSE OF REPRESENTATIVES,SENATE",,,0,0,2018-04-10T13:49:26.843000-04:00
2103325,167311ca-d02f-4c31-b90b-53790257205f,1T,"PARRY, ROMANI, DECONCINI & SYMMS",30792,BRANDT MILES,2018,first_quarter,BAN,Matters regarding the Federal Home Loan Mortgage Corp.  No current or anticipated legislation.,"HOUSE OF REPRESENTATIVES,SENATE",30000,,0,1,2018-04-10T14:24:38.613000-04:00
2103799,d532ddf4-d8c2-4b7d-80c2-292f51b01892,Q1,THE WASHINGTON TAX & PUBLIC POLICY GROUP,294930,GENERAL MOTORS COMPANY,2018,first_quarter,BAN,Issues related to CFIUS reform (HR 4311 and S 2098),"HOUSE OF REPRESENTATIVES,SENATE",50000,,0,0,2018-04-11T10:48:57.183000-04:00
2103912,895065a7-a38e-43dd-a3ee-bc575b40bff7,Q1,KPMG LLP,21893,KPMG LLP,2018,first_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,Treasury, Dept of",,510000,0,0,2018-04-11T12:00:35.667000-04:00
2104127,8c8be5dc-761c-4877-a17e-c9b5b712c67a,Q1,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,2018,first_quarter,BAN,"Lobby in favor of H.R. 4061.

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",,510000,0,0,2018-04-11T15:32:30.703000-04:00
2104343,57e03b20-1a48-4ecf-a512-3ca507d5347c,1A,LAVENDER CONSULTANTS,401104727,ONLINE LENDERS ALLIANCE,2018,first_quarter,BAN,"Small dollar Lending
Dodd-Frank Act
FinTech
Operation Choke point","Executive Office of the President (EOP),HOUSE OF REPRESENTATIVES,Office of the Vice President of the United States,SENATE,Treasury, Dept of",30000,,0,0,2018-04-11T18:05:47.553000-04:00
2104663,9bb7c2d2-8506-44c8-a972-7c5b32ad8ab6,Q1,NATIONAL COOPERATIVE SERVICES CORPORATION,400848499,NATIONAL COOPERATIVE SERVICES CORPORATION,2018,first_quarter,BAN,"Meetings to discuss HR 2963, titled ""To amend the Federal Home Loan Bank Act to provide investment authority to support rural infrastructure development, and for other purposes.""  This bill would provide explicit authority for Federal Home Loan Banks to purchase securities from lenders that are organized as cooperatives.","HOUSE OF REPRESENTATIVES,SENATE",,,0,0,2018-04-12T11:09:04.197000-04:00
2104691,4eafe9c3-3c27-4cba-8566-74e188de077b,Q1,NELSON MULLINS RILEY & SCARBOROUGH,285871,INSTITUTE FOR COLLEGE ACCESS & SUCCESS,2018,first_quarter,BAN,Consumer Financial Protection Bureau related issues,"Education, Dept of,HOUSE OF REPRESENTATIVES,SENATE",,,0,0,2018-04-12T11:24:23.623000-04:00
2104750,575c1a72-540d-4839-89b6-d57d8b0a4ec3,Q1,NELSON MULLINS RILEY & SCARBOROUGH,285871,WEEDMAPS,2018,first_quarter,BAN,Federal restriction on banking activity related to industry.,"HOUSE OF REPRESENTATIVES,SENATE",50000,,0,0,2018-04-12T11:38:07.047000-04:00
2104783,a5572abe-8c8b-48b4-81eb-600d798f91de,Q1,ACG ADVOCACY,2057,RURAL COUNTY REPRESENTATIVES OF CALIFORNIA,2018,first_quarter,BAN,Banking issues impacting rural counties in California.,"HOUSE OF REPRESENTATIVES,SENATE",50000,,0,0,2018-04-12T11:49:27.197000-04:00
2104831,1a1b6dff-590b-4db8-a192-71d9157a7767,Q1,MAYNARD NEXSEN PC,60116,REGIONS FINANCIAL CORPORATION,2018,first_quarter,BAN,"S. 2155 Economic Growth, Regulatory Relief and Consumer Protection Act, and H.R. 10, The Financial Choice Act of 2017 regarding effects on financial institutions.","HOUSE OF REPRESENTATIVES,SENATE",20000,,0,0,2018-04-12T12:10:56.457000-04:00
2104921,a3206627-2418-4bef-a1ed-97fff4c0bdaf,Q1,"NACHA, THE ELECTRONIC PAYMENTS ASSOCIATION",401103937,"NACHA, THE ELECTRONIC PAYMENTS ASSOCIATION",2018,first_quarter,BAN,"Payments System Improvements
Data Security
Cybersecurity
Cyber Threat Information Sharing
Federal Reserve Faster Payments Task Force
Federal Reserve Safer Payments Task Force
Consumer Protection Standards
Financial Regulator Reform
Private Sector Rulemaking
Mobile Payments
Faster Payments
Alternative Payment Systems
Blockchain and Virtual Currency
Senate Payments Innovation Caucus
Congressional Fintech and Payments Technology Caucus
OCC National Bank Charter for Financial Technology Industry
Consumer Data Access

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

H.R. 2133 - CLEARR Act of 2017, Community Lending Enhancement and Regulatory Relief Act of 2017, provisions related to CFPB UDAP authority and deposit account termination requests.","Consumer Financial Protection Bureau (CFPB),Federal Deposit Insurance Corporation (FDIC),Federal Reserve System,HOUSE OF REPRESENTATIVES,Office of the Comptroller of the Currency (OCC),SENATE,Treasury, Dept of",,,0,0,2018-04-12T13:30:53.453000-04:00
2104964,7eec808e-48ce-4c2b-bd8b-8f3f21ffedc9,Q1,RICH FEUER ANDERSON,84775,BLOCKCHAIN (US) INC.,2018,first_quarter,BAN,Legislation and regulatory initiatives impacting digital currencies.,"Commodity Futures Trading Commission (CFTC),HOUSE OF REPRESENTATIVES,SENATE",30000,,0,0,2018-04-12T14:20:24.390000-04:00
2104996,3d78ac22-1aad-4fbf-b8e5-09679d783318,1A,"NACHA, THE ELECTRONIC PAYMENTS ASSOCIATION",401103937,"NACHA, THE ELECTRONIC PAYMENTS ASSOCIATION",2018,first_quarter,BAN,"Payments System Improvements
Data Security
Cybersecurity
Cyber Threat Information Sharing
Federal Reserve Faster Payments Task Force
Federal Reserve Safer Payments Task Force
Consumer Protection Standards
Financial Regulator Reform
Private Sector Rulemaking
Mobile Payments
Faster Payments
Alternative Payment Systems
Blockchain and Virtual Currency
Senate Payments Innovation Caucus
Congressional Fintech and Payments Technology Caucus
OCC National Bank Charter for Financial Technology Industry
Consumer Data Access

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

H.R. 2133 - CLEARR Act of 2017, Community Lending Enhancement and Regulatory Relief Act of 2017, provisions related to CFPB UDAP authority and deposit account termination requests.","Consumer Financial Protection Bureau (CFPB),Federal Deposit Insurance Corporation (FDIC),Federal Reserve System,HOUSE OF REPRESENTATIVES,Office of the Comptroller of the Currency (OCC),SENATE,Treasury, Dept of",,,0,0,2018-04-12T14:53:49.017000-04:00
2104998,8424e286-2b27-4104-b56c-1707689ed033,Q1,MORTGAGE GUARANTY INSURANCE CORPORATION,401103768,MORTGAGE GUARANTY INSURANCE CORPORATION,2018,first_quarter,BAN,Housing Finance Reform and Taxation,"HOUSE OF REPRESENTATIVES,SENATE",,24571,0,0,2018-04-12T14:53:51.420000-04:00
2105158,c86c1edf-7db5-4179-a283-3bae9b706b9e,Q1,"THE NICKLES GROUP, LLC",293335,"MERCHANTS PAYMENTS COALITION, INC.",2018,first_quarter,BAN,Issues relating to swipe fees and competitive routing. Issues related to mobile payments. Issues related to standards setting and network rules.,"HOUSE OF REPRESENTATIVES,SENATE",60000,,0,0,2018-04-12T17:00:47.610000-04:00
2105244,fdc9f7cf-a369-446f-9b5f-f79996066837,Q1,ELECTRONIC TRANSACTIONS ASSOCIATION,401103094,ELECTRONIC TRANSACTIONS ASSOCIATION,2018,first_quarter,BAN,"Mobile payments, fraud, data security, data storage regulatory reform, tax reporting, payments systems, cyber-security, financial services, merchant cash advances, privacy, the Federal Reserve and big data, CFPB prepaid products rule (Prepaid Accounts Under Direct Electronic Transfer Act {Regulation E} and the Truth in Lending Act), Federal Reserve Secure Payments Task Force, Marketplace lending, H.R. 10-Financial Choice Act of 2017, H.J. Res. 62/72-Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act, S.J.Res.19 - A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act,   H. R. 1801-To delay the effective date of the final rule of the Bureau of Consumer Financial Protection titled Prepaid Accounts under the Electronic Fund Transfer Act (Regulation E) and the Truth In Lending Act (Regulation Z)"", S. 387-Consumer Financial Protection Bureau Accountability Act of 2017, S. 626-CFPB-IG Act of 2017. Fiscal Year 2018 Financial Services and General Government Appropriations Bill. CFPB Governance Structure. H.J.Res. 111, Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to ""Arbitration Agreements."" S.J.Res. 47, A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to ""Arbitration Agreements"". H.R. 4439, Modernizing Credit Opportunities Act of 2017. H.R. 3299, Protecting Consumers' Access to Credit Act of 2017. S. 1642, Protecting Consumers' Access to Credit Act of 2017. H.R. 3354, Make America Secure & Prosperous Appropriations Act.","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,Treasury, Dept of,U.S. Trade Representative (USTR)",,360000,0,0,2018-04-13T09:52:20.640000-04:00
2105293,0b237de3-db0e-4bef-b0c6-5c42991606d6,1A,MORTGAGE GUARANTY INSURANCE CORPORATION,401103768,MORTGAGE GUARANTY INSURANCE CORPORATION,2018,first_quarter,BAN,Housing Finance Reform and Taxation,"HOUSE OF REPRESENTATIVES,SENATE",,25062,0,0,2018-04-13T10:23:43.413000-04:00
2105310,ed37cf0a-b023-440a-ac8f-dd57c123c717,Q1,INDEPENDENT INSURANCE AGENTS & BROKERS OF AMERICA,19228,INDEPENDENT INSURANCE AGENTS & BROKERS OF AMERICA,2018,first_quarter,BAN,PL 111-203 Dodd Frank Wall Street Reform and Consumer Protection Act (implementation of insurance provisions),"Agriculture, Dept of (USDA),Federal Emergency Management Agency (FEMA),Health & Human Services, Dept of (HHS),HOUSE OF REPRESENTATIVES,Housing & Urban Development, Dept of (HUD),Labor, Dept of (DOL),Natl Economic Council (NEC),Office of Management & Budget (OMB),SENATE,Treasury, Dept of",,210000,0,0,2018-04-13T10:48:54.343000-04:00
2105416,e6788854-277e-43f6-85bf-e23871f2c670,Q1,CALIFORNIA AND NEVADA CREDIT UNION LEAGUES,7725,CALIFORNIA AND NEVADA CREDIT UNION LEAGUES,2018,first_quarter,BAN,"Fair Credit Reporting Act, S.836 and H.R.389 credit union member business lending, residential loan parity. Consumer Financial Protection Bureau restructuring and reform. Property Assessed Clean Energy (PACE) lending, and the Truth in Lending Act. Proposed rules on payday lending; HMDA, TRID, QM. CDFI funding. Community lender exemption authority to Dodd-Frank Wall Street Reform and Consumer Protection Act. Cannabis banking. H.R. 10, Financial Choice Act and amendments. Military Lending Act. National Credit Union Administration funding and budget. Consumer Financial Protection Bureau authority. S.2155 Economic Growth, Regulatory Relief, and Consumer Protection Act. H.R. 3971, H.R. 4464.","Consumer Financial Protection Bureau (CFPB),Federal Trade Commission (FTC),HOUSE OF REPRESENTATIVES,Justice, Dept of (DOJ),Natl Credit Union Administration (NCUA),SENATE",,110000,0,0,2018-04-13T12:14:13.213000-04:00
2105498,cfd3d4a4-0552-4e9f-8953-d489dd32d6e6,Q1,"CAPITOL HILL STRATEGIES,  LLC",91774,PRINCIPAL FINANCIAL GROUP,2018,first_quarter,BAN,"H.R. 4173/Public Law 111-203, Dodd-Frank Wall Street Reform and Consumer Protection Act, implementation and regulatory reform","HOUSE OF REPRESENTATIVES,SENATE",30000,,0,0,2018-04-13T13:37:10.393000-04:00
2105502,f5a39641-5bdc-4963-af46-04568aa9337d,Q1,HOLLAND & KNIGHT LLP,18466,AMSCOT FINANCIAL CORPORATION,2018,first_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,,0,0,2018-04-13T13:38:12.753000-04:00
2105736,ee52aa7f-5f6e-418b-b703-029fb4792846,Q1,RICH FEUER ANDERSON,84775,"SWIFT, INC.",2018,first_quarter,BAN,"Imposition of sanctions on financial messaging services with respect to institutions in other countries, including H.R.1644, the ""Korean Interdiction and Modernization of Sanctions Act;"" and S.1591, the ""Otto Warmbier Banking Restrictions Involving North Korea Act of 2017.""  Issues related to cyber security.","HOUSE OF REPRESENTATIVES,SENATE",60000,,0,0,2018-04-13T16:59:07.293000-04:00
2105751,0bf6a3e7-ead0-446c-9723-a6382c6dad94,Q1,RICH FEUER ANDERSON,84775,LONDON STOCK EXCHANGE GROUP PLC,2018,first_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.238, the ""Commodity End-User Relief Act.""","HOUSE OF REPRESENTATIVES,SENATE",60000,,0,0,2018-04-13T17:12:22.650000-04:00
2105816,be92cd42-e1e9-4edb-b41f-292cc758a9ef,Q1,AGVANTAGE LLC,69071,AMERICAN SOCIETY OF FARM MANAGERS AND RURAL APPRAISERS,2018,first_quarter,BAN,"Appraisal issues, specifically Section 103 of S. 2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act.","Agriculture, Dept of (USDA),HOUSE OF REPRESENTATIVES,SENATE",,,0,0,2018-04-14T11:10:02.653000-04:00
2105987,bcd096b1-d353-473f-ad30-498f05751235,Q1,COMMUNITY BANKERS ASSOCIATION OF ILLINOIS,400531588,COMMUNITY BANKERS ASSOCIATION OF ILLINOIS,2018,first_quarter,BAN,"Regulatory relief for community banks in the 115th Congress

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

The ICBAs Plan for Prosperity contains the following issue areas and recommendations.

Access to Capital
Restore the original intent of the Basel III rule
Create a more accurate identification of systemic risk
Spur additional capital for small bank holding companies by modernizing the Federal Reserves policy statement
Relieve community banks from excessive Securities and Exchange Commission rules
Repeal the Collins Amendment for non-SIFIs
Address minority bank capital challenges

Regulatory Relief
Balance consumer regulation through more accountable Consumer Financial Protection Bureau governance
Eliminate arbitrary disparate impact fair lending lawsuits
Ensure the viability of mutual banks through new charter and capital options
Support rigorous cost-benefit analyses of all new rules to determine if they are justified and indeed needed
Modernize the Bank Secrecy Act (BSA)
Cut the red tape in small business lending by eliminating burdensome data collection
Target the Volker Rule on a banks individual risk
Preserve access to investment advice for middle-class savers

Mortgage Reform
Create a safe harbor from onerous underwriting standards
Establish relief from burdensome HMDA, escrow and appraisal requirements
Preserve the ability for community banks to continue servicing mortgage loans
Reform the closing process and accompanying paperwork

Bank Oversight and Examination
Strengthen accountability in bank exams and create a workable appeals process
Reform bank oversight and examination to better target risk

Tax Relief
Lower marginal rates needed for individuals, corporations and businesses
Incentivize credit for low- and middle-income customers and American agriculture 
Modernize Subchapter S constraints
Create limited liability corporation (LLC) option for community banks
Repeal the estate tax
Update the bank qualified (BQ) bond issuer limitation
Support a five-year loss carryback that encourages lending during economic downturns
Create a tax credit for Bank Secrecy Act (BSA) compliance costs

Agriculture and Rural America
Address arbitrary agricultural loan concentration limits
Institute tax relief for rural lending
 
(House, Senate, Federal Reserve)


CBAI 2017 Federal Policy Priorities

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

Regarding the implementation of regulatory initiatives -

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

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

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

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

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

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

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

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

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

(House, Senate, Federal Reserve)


Legislation -

H.R. 4725 - Community Bank Reporting Relief Act (Call Reports) (All Sections) (House)

H.R. 1115 - Modernizing American Manufacturing Bonds Act (All Sections) (House)

S. 2155 - The Economic Growth, Regulatory Relief and Consumer Protection Act (community bank regulatory relief) (All sections) (Senate, House, Federal Reserve)

S. 2378 - Access Business Credit Act of 2018 (small business loan income tax relief) (All Sections) (Senate)

H.R. 2890 and S. 2361 - Housing Opportunity Mortgage Expansion Act (captive insurance company membership in the FHLBs) (All Sections) (Senate)


Letters -

CBAI Executive Committee letter regarding S. 2155 - The Economic Growth, Regulatory Relief and Consumer Protection Act (Senate)

Joint Illinois financial trade associations letter regarding S. 2155 - The Economic Growth, Regulatory Relief and Consumer Protection Act (House, Senate)


Action Alerts -

Action Alert regarding passage of S. 2155 - The Economic Growth, Regulatory Relief and Consumer Protection Act (Senate)

Second Action Alert regarding passage of S. 2155 - The Economic Growth, Regulatory Relief and Consumer Protection Act (HMDA) (Senate)


Miscellaneous -

The impact of fintechs on community banks and the financial system, the opportunities and perils of consumer data sharing, evolution of the payment systems and payment systems improvements (Federal Reserve)

The rapid rise of fintechs, how the pace of fintech development is different than prior technology developments, the different approaches taken by large versus small banks (go-it-alone or partner), opportunities for partnerships with fintechs, risk factors to consider in the development of a fintech strategy, the importance of communicating early and often with banks regulators, and the challenges of customer data sharing with fintechs (data ownership and rights, privacy concerns, and liability for mishandling and misuse), the recent changes in leaderships impact on the OCCs fintech initiatives, the status of the lawsuit against the OCC by the Conference of State Bank Supervisors challenging the OCCs authority to approve special purpose national bank charters for fintechs, coordination among regulators on fintech supervision and regulation, and the importance of the regulators sharing success stories or problems/issues as additional guidance for the community banks they regulate. (OCC)

Electronic delivery of loan files to streamline examinations, the impact of fintechs on community banks and the financial system, the opportunities and perils of consumer data sharing, evolution of the payment systems and payment systems improvements (Federal Reserve)

Community bank access to payment systems improvements (House, Senate, Federal Reserve)

Principals of GSE Reform (House, Senate, Federal Reserve)

Support for Agricultural and Rural America (House, Senate, Federal Reserve)

USDA guaranteed loan limits (House)

FinCEN beneficial ownership [identification] requirements (Senate)

Expansionist Agenda of Credit Unions and the Farm Credit System (House, Senate, Federal Reserve)","Federal Reserve System,HOUSE OF REPRESENTATIVES,Office of the Comptroller of the Currency (OCC),SENATE",,55000,0,0,2018-04-15T16:47:23.250000-04:00
2106013,d925a722-70a4-446b-bec9-b1c467207749,Q1,THE FRIEDLANDER GROUP,400535604,THE FRIEDLANDER GROUP,2018,first_quarter,BAN,"award Anwar Sadat with a Congressional Gold Medal, S.266 , H.R.754","HOUSE OF REPRESENTATIVES,SENATE",,,0,0,2018-04-15T21:44:48.967000-04:00
2106014,d19b6d64-74fa-4418-8744-fc95e6bfb2e1,Q1,THE FRIEDLANDER GROUP,400535604,PROJECT LEGACY,2018,first_quarter,BAN,Award Anwar Sadat w Congressional Gold Medal HR 754 S266,"HOUSE OF REPRESENTATIVES,SENATE",5000,,0,0,2018-04-15T21:45:50.123000-04:00
2106038,99307096-68ca-4722-9b5a-4c12a9aee6a4,Q1,TRANS UNION LLC,62131,TRANS UNION LLC,2018,first_quarter,BAN,"*Reviewed S. 2155, Economic Growth, Regulatory Relief and Consumer Protection Act, which proposed to add a credit freeze (Sec. 301), protect veterans credit (Sec. 302) and credit monitoring (Sec. 302) provisions in the Fair Credit Reporting Act.
*Supported HR 435 & HR 5078, the Credit Access and Inclusion Act, to amend to Fair Credit Reporting Act (FCRA)to remove impediments found in state or local laws which restrict full file reporting to consumer reporting agencies by such non-traditional information furnishers as energy and telecommunications utilities and other service providers.","HOUSE OF REPRESENTATIVES,Natl Economic Council (NEC),SENATE",,220000,0,0,2018-04-16T09:13:21.967000-04:00
2106402,0878008c-a304-4acd-b9f7-f5997cb17bc8,Q1,BREAUX LOTT LEADERSHIP GROUP,40020141,TRANSPORTATION INSTITUTE,2018,first_quarter,BAN,Issues related to Export-Import Bank of the United States.,"HOUSE OF REPRESENTATIVES,Maritime Administration (MARAD),SENATE",120000,,0,0,2018-04-16T13:18:49.123000-04:00
2106452,af00a362-eebf-4e6e-8ea4-4e3a1bb2a8d8,Q1,THE AMERICAN INSTITUTE OF ARCHITECTS,2638,AMERICAN INSTITUTE OF ARCHITECTS,2018,first_quarter,BAN,National Design Services Act,"Army, Dept of (Corps of Engineers),Energy, Dept of,Environmental Protection Agency (EPA),Federal Emergency Management Agency (FEMA),Federal Trade Commission (FTC),General Services Administration (GSA),Homeland Security, Dept of (DHS),HOUSE OF REPRESENTATIVES,Housing & Urban Development, Dept of (HUD),SENATE,Small Business Administration (SBA),Treasury, Dept of,U.S. Coast Guard (USCG)",,340000,0,0,2018-04-16T13:30:28.927000-04:00
2106482,72bbc0b7-64f0-4e35-9337-ab4cceea9603,1T,STRATEGIES 360,79175,NATIVE AMERICAN FINANCIAL SERVICES ASSOCIATION,2018,first_quarter,BAN,Small dollar installment loans,"HOUSE OF REPRESENTATIVES,SENATE",30000,,0,1,2018-04-16T13:40:45.387000-04:00
2106565,3037d2da-45ea-4f28-b47b-00f15719d9b4,Q1,CAPITOL LEGISLATIVE STRATEGIES LLC,400432093,JOHN T. O'ROURKE LAW OFFICES,2018,first_quarter,BAN,Proposed non-bank banking issues.  Issues related to allowing non-banks to conduct banking activities.,"HOUSE OF REPRESENTATIVES,SENATE",30000,,0,0,2018-04-16T14:09:58.867000-04:00
2106659,b5f69bb9-6116-41ca-a71b-50e3973e3888,Q1,"HARLEY-DAVIDSON MOTOR COMPANY, INC.",401104177,HARLEY-DAVIDSON MOTOR COMPANY INC,2018,first_quarter,BAN,"Issues related to CFPB and Dodd-Frank, Public Law No: 111-203, reform. Issues related to Congressional Review Act to overturn CFPB arbitration
rule, S. 1642 and its House companion (H.R. 3299).","Commerce, Dept of (DOC),HOUSE OF REPRESENTATIVES,SENATE,U.S. Trade Representative (USTR),White House Office",,40000,0,0,2018-04-16T14:35:11.897000-04:00
2106726,f313fe92-434d-45a6-8ca3-185a29a2b61c,Q1,"WEBSTER, CHAMBERLAIN & BEAN, LLP",40830,COMMERCIAL LAW LEAGUE OF AMERICA,2018,first_quarter,BAN,"Fair Debt Collection Practices Act
Bankruptcy","HOUSE OF REPRESENTATIVES,SENATE",10000,,0,0,2018-04-16T15:18:00.543000-04:00
2106904,9e56b4a3-daf9-47be-9923-20d4e3989c7f,Q1,CAPITOL COUNSEL LLC,313715,"ENTERPRISE COMMUNITY PARTNERS, INC.",2018,first_quarter,BAN,"Monitoring housing finance reform, mortgage issues and multi-family housing.","HOUSE OF REPRESENTATIVES,SENATE",50000,,0,0,2018-04-16T16:49:21.103000-04:00
2106982,d5ac3870-5622-4429-bbb2-e1e3300ef718,Q1,AMERICAN INVESTMENT COUNCIL F/K/A PEGCC,316536,AMERICAN INVESTMENT COUNCIL F/K/A PEGCC,2018,first_quarter,BAN,"Legislation affecting the regulation of private equity; Regulations affecting private equity firms in the United States and abroad; Dodd-Frank Act, regulations affecting private equity; Jumpstart Our Business Startups Act (112 P.L. 106), regulations affecting private equity; Legislation affecting the regulation of business development companies; Volcker Rule, proposed modifications thereto; Aggregation relief at the Commodity Futures Trading Commission; Financial CHOICE Act of 2017 (H.R. 10) and related proposals, all provisions regarding private equity.","Commerce, Dept of (DOC),Commodity Futures Trading Commission (CFTC),Federal Reserve System,HOUSE OF REPRESENTATIVES,Securities & Exchange Commission (SEC),SENATE,Treasury, Dept of,White House Office",,450000,0,0,2018-04-16T17:16:03.807000-04:00
2107116,e413e1c6-691a-4c17-aa43-47777acecdf6,Q1,FEDERAL RESOURCES GROUP,400708124,AMERICAN BANKERS ASSOCIATION,2018,first_quarter,BAN,"Implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act; S. 2155 Economic Growth, Regulatory Relief and Consumer Protection Act",SENATE,30000,,0,0,2018-04-16T18:47:08.087000-04:00
2107123,0525dade-2780-4155-8958-c4c1c5d00b4c,Q1,JAKE PERRY + PARTNERS,401029902,ELEVATE CREDIT,2018,first_quarter,BAN,Issues related to online lending,"HOUSE OF REPRESENTATIVES,SENATE",50000,,0,0,2018-04-16T18:53:12.027000-04:00
2107181,94d49183-b49b-4a78-bc4a-a854661d986d,Q1,"KABBAGE, INC.",401104099,"KABBAGE, INC.",2018,first_quarter,BAN,"1. Educate members of Congress and agencies on Financial Technology solutions (FinTech) in the online small business lending space.
2. Advocate for open federal data (APIs) through Executive Action or Congressional action via CFPB's Dodd Frank 1033 process and the IRS Data Verification Modernization Act of 2016 (McHenry and Booker)
3. Educate the OCC, and CFPB on an ""Open Banking Environment"" (Dodd Frank Sec. 1033) so customers may share their data through permission based APIs with third party FinTech platforms. 
4. Monitor and discuss H.R. 4439, the Modernizing Credit Opportunities Act.
5. Monitor and discuss Department of Treasury Financial Crimes Enforcement Network Customer Due Diligence Requirements for Financial Institutions, RIN 1506-AB25, Docket Number FinCEN 2016-10567 - provisions related to identifying and verifying the identity of beneficial owners.","Consumer Financial Protection Bureau (CFPB),Federal Deposit Insurance Corporation (FDIC),Federal Reserve System,HOUSE OF REPRESENTATIVES,Natl Economic Council (NEC),Office of the Comptroller of the Currency (OCC),SENATE,Treasury, Dept of",,95000,0,0,2018-04-16T21:20:40.397000-04:00
2107286,d898d7b4-0d0f-447f-bc01-0843b3346b4e,Q1,PUBLIC CITIZEN,32362,PUBLIC CITIZEN,2018,first_quarter,BAN,"S 2155-Economic Growth Regulatory Relief and Consumer Protection Act, HR 1264-Community Financial Institutions Exemption Act, HR 1426-Federal Savings Association Charter Flexibility Act of 2017, HR 2226-Portfolio Lending and Mortgage Access Act, HR 3299-Protecting Consumer Access to Credit Act of 2017, HR 2978-Voting Rights Advancement Act of 2017, HR 4296-Place requirements on operational risk capital requirements for banking organizations established by appropriate federal banking agency, HR 1116-TAILOR Act, HR 4061-Financial Stability Oversight Council Improvement Act of 2017, HR 4263-Regulatory A+ Improvement Act of 2017, HR 4545-Financial Institutions Examination Fairness and Reform Act, HR 4293-STRESS Test Improvement Act of 2017, HR 4566-Alleviating Stress Test burdens to help investors act, Anti-trust remedies, Fighting the Crapo bank deregulatory bill,","HOUSE OF REPRESENTATIVES,Labor, Dept of (DOL),Securities & Exchange Commission (SEC),SENATE,U.S. Trade Representative (USTR)",,60000,0,0,2018-04-17T09:35:20.940000-04:00
2107476,af380e75-8d0d-4512-bbbe-7219bde36843,Q1,"ALPINE GROUP PARTNERS, LLC.",1171,MRCOOPER,2018,first_quarter,BAN,Federal lending policies,"HOUSE OF REPRESENTATIVES,SENATE",30000,,0,0,2018-04-17T10:49:28.227000-04:00
2107590,088cf5a8-ebd4-4684-ae36-1d1f506dd785,Q1,"MANATT, PHELPS, AND PHILLIPS",23645,AMERICAN LAND TITLE ASSOCIATION,2018,first_quarter,BAN,"Financial Services Reform, Consumer Financial Protection Bureau (CFPB), implementation of Dodd/Frank","HOUSE OF REPRESENTATIVES,SENATE",,,0,0,2018-04-17T11:37:58.563000-04:00
2107648,3a975600-b970-423a-8b8e-f778ae25bb81,Q1,PRIME POLICY GROUP,400532589,GRID MARKET RESEARCH,2018,first_quarter,BAN,Introduction of client and client's business interests to US policymakers with an interest in Russia.,"HOUSE OF REPRESENTATIVES,SENATE",60000,,0,0,2018-04-17T11:51:31.883000-04:00
2107892,01b2b179-3d9a-4a29-a15f-3d96ed39e5c1,Q1,SIDLEY AUSTIN LLP,35230,MASTERCARD INTERNATIONAL INCORPORATED,2018,first_quarter,BAN,"Issues involving payment cards, payment systems and electronic payment transactions; issues pertaining to data security, cybersecurity, and financial technology; issues pertaining to anti-money laundering and economic sanctions; and issues regarding market access in global markets","HOUSE OF REPRESENTATIVES,Office of Management & Budget (OMB),SENATE,State, Dept of (DOS),Treasury, Dept of,U.S. Trade Representative (USTR)",150000,,0,0,2018-04-17T12:58:23.603000-04:00
2108079,0009d83b-9a65-4105-8af4-a9e717531e47,Q1,SIDLEY AUSTIN LLP,35230,WESTERN UNION,2018,first_quarter,BAN,Impact of Dodd-Frank Title VII reform and other swaps-related issues,"HOUSE OF REPRESENTATIVES,SENATE",10000,,0,0,2018-04-17T13:45:48.503000-04:00
2108128,ae8cb3e7-2ec7-424d-9631-ecae1e79697a,Q1,THE CHARLES SCHWAB CORPORATION,34637,CHARLES SCHWAB CORPORATION,2018,first_quarter,BAN,Draft legislation related to brokered deposits.,"HOUSE OF REPRESENTATIVES,Labor, Dept of (DOL),Securities & Exchange Commission (SEC),SENATE,Treasury, Dept of",,500000,0,0,2018-04-17T13:58:20.977000-04:00
2108168,7566681d-87d1-44d8-8187-a96b76298172,Q1,FLORIDA BANKERS ASSOCIATION,305511,FLORIDA BANKERS ASSOCIATION,2018,first_quarter,BAN,"Regulatory Relief for Community Bankers
Tax Reform","HOUSE OF REPRESENTATIVES,SENATE",,,0,0,2018-04-17T14:11:46.640000-04:00
2108395,d6334930-d3b6-4aaf-a389-13dbab747044,Q1,THE KUTLER GROUP,401103966,NAVIENT SOLUTIONS,2018,first_quarter,BAN,Monitor activities regarding reform of the Dodd-Frank legislation and general matters before the Committee,"HOUSE OF REPRESENTATIVES,Office of Management & Budget (OMB),SENATE,Treasury, Dept of",27000,,0,0,2018-04-17T15:10:20.137000-04:00
2108407,aa95b14f-8196-4817-8a0c-f50933a7a60a,Q1,GLOBAL WITNESS,401104562,GLOBAL WITNESS,2018,first_quarter,BAN,"Dodd Frank Act
Anti-money laundering/beneficial ownership legislation","HOUSE OF REPRESENTATIVES,SENATE,State, Dept of (DOS),Treasury, Dept of,U.S. Agency for International Development (USAID)",,,0,0,2018-04-17T15:12:26.330000-04:00
2108424,2fdbbbd2-c4b6-48a2-992c-b682e19d1667,Q1,"JOHN DUNCAN AND ASSOCIATES, LLC",40025200,S&P GLOBAL (FORMALLY MCGRAW-HILL FINANCIAL),2018,first_quarter,BAN,"Dodd Frank Reform: ""The Economic Growth, Regulatory Relief, and Consumer Protection Act.  S 2155",,15000,,0,0,2018-04-17T15:15:36.827000-04:00
2108429,dc3589d1-b98e-4c09-91b7-6f339e1ab554,Q1,REGIONS FINANCIAL CORP,315034,REGIONS FINANCIAL CORP,2018,first_quarter,BAN,"Regulatory relief legislation (S.2155), BSA/AML reform legislation, Cyber security and breach notification legislation, deposit advance legislation, and commercial real estate legislation","HOUSE OF REPRESENTATIVES,SENATE",,370000,0,0,2018-04-17T15:16:40.663000-04:00
2108743,56a431e4-edd0-44c4-a2c5-35d8ddcc7a80,Q1,AKIN GUMP STRAUSS HAUER & FELD,682,"EMVCO, LLC",2018,first_quarter,BAN,Education on the role and responsibility of setting global payment standards to ensure interoperability and acceptance of secure payment transactions.,"HOUSE OF REPRESENTATIVES,SENATE",50000,,0,0,2018-04-17T16:26:18.983000-04:00
2108910,01b1730f-ff13-4eca-8232-b948db07ecb9,Q1,ENTERTAINMENT MERCHANTS ASSOCIATION,68890,ENTERTAINMENT MERCHANTS ASSOCIATION,2018,first_quarter,BAN,Regulation of credit card interchange fees.,,,10000,0,0,2018-04-17T17:29:14.703000-04:00
2108974,5d858d83-df72-4f5f-bb4b-7d41380a5afb,Q1,FTI GOVERNMENT AFFAIRS,401054971,"PAYPAL, INC.",2018,first_quarter,BAN,"Monitor issues relating to mobile payments, issues relating to international remittances, Consumer Financial Protection Board rule on prepaid cards.","HOUSE OF REPRESENTATIVES,SENATE,Treasury, Dept of",30000,,0,0,2018-04-17T18:25:58.247000-04:00
2109195,6cc7c387-c078-49f3-844d-34d7a35a4b27,Q1,"BLACKROCK FUNDS SERVICES GROUP, LLC",400534597,BLACKROCK FUNDS SERVICES GROUP LLC,2018,first_quarter,BAN,"Dodd-Frank implementation and related regulatory reform including S.2155; FSOC process enhancement and stress testing; housing finance, including securitization; infrastructure financing; GSE reform; US capital markets structure","Commodity Futures Trading Commission (CFTC),Executive Office of the President (EOP),Federal Reserve System,HOUSE OF REPRESENTATIVES,Securities & Exchange Commission (SEC),SENATE,Treasury, Dept of",,580000,0,0,2018-04-17T22:00:15.800000-04:00
2109224,21765aea-9164-4a4f-88bf-eb918515fd54,Q1,THE PENNSYLVANIA AVENUE GROUP,40047364,AMERICAN SHARE INSURANCE,2018,first_quarter,BAN,Monitor issues impacting privately insured credit unions and the credit union industry in general.,"HOUSE OF REPRESENTATIVES,Natl Credit Union Administration (NCUA),SENATE",15000,,0,0,2018-04-18T00:02:11.837000-04:00
2109226,8090fc1b-baed-4ef9-a5bc-611f90a7d68d,Q1,THE PENNSYLVANIA AVENUE GROUP,40047364,TEXAS LAND TITLE ASSOCIATION,2018,first_quarter,BAN,"Monitor issues regarding the land title industry; RESPA and TILA integration (TRID).  Monitor HR 3978 and HR 5078, TRID Improvement, Act and S. 2155.","HOUSE OF REPRESENTATIVES,SENATE",20000,,0,0,2018-04-18T00:04:14.900000-04:00
2109421,4753c604-b9df-4fcf-9d8b-bef39c895aaa,Q1,KENNETH GEAR,400384772,LEADING BUILDERS OF AMERICA,2018,first_quarter,BAN,"No bill number: Mortgage finance reform
No bill number: supporting policies to allow GSEs to build capital
No bill number: polices related to access to mortgage credit","HOUSE OF REPRESENTATIVES,Housing & Urban Development, Dept of (HUD),SENATE",100000,,0,0,2018-04-18T09:41:48.337000-04:00
2109444,69863582-3c87-48dd-8fa1-20d49889d395,Q1,TRUIST FINANCIAL CORPORATION (FORMERLY KNOWN AS BB&T),74534,TRUIST FINANCIAL CORPORATION (FORMERLY KNOWN AS BB&T),2018,first_quarter,BAN,Discussion on regulatory relief for the banking industry.,"HOUSE OF REPRESENTATIVES,SENATE",,324247,0,0,2018-04-18T09:43:55.863000-04:00
2110270,5bd3dcc4-c9dc-4587-bbc5-ccae31ee2458,Q1,WINNING STRATEGIES WASHINGTON,50796,PRUDENTIAL,2018,first_quarter,BAN,Regulatory Legislation,"HOUSE OF REPRESENTATIVES,SENATE",20000,,0,0,2018-04-18T12:47:36.617000-04:00
2110574,a3c96358-3841-40a9-a5ee-bc9f13c5d9fc,Q1,LAVENDER CONSULTANTS,401104727,"JONES WALKER, LLP ON BEHALF OF GREATER NEW ORLEANS, INC.",2018,first_quarter,BAN,Support reauthorization of NFIP,"HOUSE OF REPRESENTATIVES,SENATE",,,0,0,2018-04-18T13:42:05.207000-04:00
2110855,82bc9c92-536d-4111-b690-907635628243,Q1,"MILLER STRATEGIES, LLC",401104313,"CHARLES SCHWAB & CO., INC.",2018,first_quarter,BAN,Issues related to the Dodd-Frank Wall Street Reform and Consumer Protection Act (P.L.111-203).,HOUSE OF REPRESENTATIVES,10000,,0,0,2018-04-18T14:25:45.357000-04:00
2111077,63c10fdb-3884-4357-9354-ae23a0264b38,Q1,"AVENUE STRATEGIES GLOBAL, LLC",401104465,BANK OF BEIRUT,2018,first_quarter,BAN,Education re understanding of banking in Lebanon,"Treasury, Dept of",10000,,0,0,2018-04-18T14:55:48.510000-04:00
2111239,d087e3cd-1e80-421c-8c69-c7abb4feac22,Q1,"MERCURY PUBLIC AFFAIRS, LLC",70175,MOVEMENT MORTGAGE,2018,first_quarter,BAN,Monitored Dodd Frank and CFPB,HOUSE OF REPRESENTATIVES,30000,,0,0,2018-04-18T15:27:33.447000-04:00
2111418,70ba04e9-62af-4684-b8d4-f96d5ca05e64,Q1,CAPITOL COUNSEL LLC,313715,CONSUMER BANKERS ASSOCIATION,2018,first_quarter,BAN,Financial services and regulatory reform issues; monitoring and advocacy on the Consumer FInanical Protection Bureau and related issues.,"HOUSE OF REPRESENTATIVES,SENATE",40000,,0,0,2018-04-18T15:46:16.223000-04:00