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
2420339,8d0acdcf-3ca1-42a0-8f21-52cdc03956e6,1T,"THE SMITH-FREE GROUP, LLC",35800,INVESTMENT COMPANY INSTITUTE,2020,first_quarter,BAN,"Monitored discussions related to HR 1595 - SAFE Banking Act of 2019

Monitored discussions related to S. 1200 - SAFE Banking Act of 2019",HOUSE OF REPRESENTATIVES,20000,,0,1,2020-03-25T22:52:13.813000-04:00
2420514,8fa70d3c-3b54-4816-8355-8f0aa7284dc7,Q1,AMERICAN FINANCIAL SERVICES ASSOCIATION,2354,AMERICAN FINANCIAL SERVICES ASSOCIATION,2020,first_quarter,BAN,"S. 3036 on unsolicited loan applications, issues pertaining to installment lending and vehicle financing, data security matters, credit reporting issues, Consumer Financial Protection Bureau matters, legislation regarding rates on credit lending (HR 2930 and S 1389 plus others not yet introduced), legislation regarding disclosure of debt settlement companies, provision in CARES Act dealing with credit and small business and accounting standards","Consumer Financial Protection Bureau (CFPB),Defense, Dept of (DOD),Federal Accounting Standards Advisory Board (FASAB),Federal Communications Commission (FCC),HOUSE OF REPRESENTATIVES,Office of Management & Budget (OMB),Securities & Exchange Commission (SEC),SENATE,Small Business Administration (SBA),Vice President of the U.S.,White House Office",,250000,0,0,2020-04-01T10:33:34.423000-04:00
2420547,395e5904-03de-4d29-82b2-f6875f0ebe26,Q1,"MAGILL ASSOCIATES, LLC",401103511,MOUNTAIN WEST CREDIT UNION ASSOCIATION,2020,first_quarter,BAN,"Legislation and regulations affecting credit unions, including the tax exemption and regulatory relief for credit unions","HOUSE OF REPRESENTATIVES,SENATE",20000,,0,0,2020-04-01T12:02:55.567000-04:00
2420561,4703249c-60e6-4f2a-979a-2cfa9cd6ad3f,Q1,"MORRISON & FOERSTER, LLP",25897,AMERICAN BANKERS ASSOCIATION,2020,first_quarter,BAN,"Privacy, cybersecurity and breach notification","HOUSE OF REPRESENTATIVES,SENATE",50000,,0,0,2020-04-01T12:53:04.437000-04:00
2420645,27ce08f0-ab46-4bfe-9a45-0930aa98a62e,Q1,CALIFORNIA AND NEVADA CREDIT UNION LEAGUES,7725,CALIFORNIA AND NEVADA CREDIT UNION LEAGUES,2020,first_quarter,BAN,"Credit union products and services; Community Reinvestment Act, pay day and courtesy pay lending; data and payment security issues; Bank Secrecy Act; Federal Credit Union Act and Charter; Community Development Financial Institutions;Home Mortgage Disclosure Act; Low-Income Designation for credit unions; Property Assessed Clean Energy (PACE) financing. H.R. 1595 Cannabis Banking Safe Harbor; Consumer Financial Protection Bureau (CFPB) and related issues; Credit Union lending during Government Closure. H.R. 1661. H.R. 5981, credit union board modernization; S.3389
Expanding Access to Lending Options Act. H.R. 748 CURES Act (CV3).","Consumer Financial Protection Bureau (CFPB),Federal Trade Commission (FTC),HOUSE OF REPRESENTATIVES,Justice, Dept of (DOJ),Natl Credit Union Administration (NCUA),SENATE,Treasury, Dept of",,110000,0,0,2020-04-01T17:07:57.343000-04:00
2420792,8802a8dd-1449-4084-81f7-32c66030209b,Q1,MARSHALL BRACHMAN,6848,ZIONS BANCORP,2020,first_quarter,BAN,"support Congressional efforts to reform FASB CECL regulations
support Congressional efforts to require large credit unions to become taxable","HOUSE OF REPRESENTATIVES,SENATE",24000,,0,0,2020-04-02T15:29:39.270000-04:00
2420819,4fceed0e-87a0-47f1-9852-131d6127f828,Q1,MARSHALL BRACHMAN,6848,LOCKHEED MARTIN AERONAUTIC SECTOR,2020,first_quarter,BAN,support defense financing provisions,"HOUSE OF REPRESENTATIVES,SENATE",28493,,0,0,2020-04-02T16:00:53.507000-04:00
2420874,44641dd1-301c-44b4-a177-e56e571ea33e,Q1,NATIONAL CANNABIS INDUSTRY ASSOCIATION,400750245,NATIONAL CANNABIS INDUSTRY ASSOCIATION,2020,first_quarter,BAN,"Advocate on behalf of state-legal cannabis business owners who are seeking reliable and secure banking services. Lobby on behalf of H.R. 1595, (and S. 1200) the Secure and Fair Enforcement Banking Act. (SAFE Banking Act)","HOUSE OF REPRESENTATIVES,SENATE",,70000,0,0,2020-04-02T21:40:28.607000-04:00
2420910,eb303a31-fb13-425d-9f79-bfe52523b974,Q1,UNION HOME MORTGAGE CORP,401105274,UNION HOME MORTGAGE CORP,2020,first_quarter,BAN,State of mortgage lending due to Coronavirus effect; non-bank liquidity; forbearance; S.3548 CARES Act; HR 748 CARES Act,"HOUSE OF REPRESENTATIVES,SENATE",,10000,0,0,2020-04-03T10:18:56.183000-04:00
2420919,c1970233-e06a-406f-81e6-f0e75b98f1f5,Q1,THE ROYER LAW FIRM (FORMERLY ROYER & BROOKS),33875,FEDERAL HOME LOAN BANK OF NEW YORK,2020,first_quarter,BAN,Federal Home Loan Bank Legislation,"HOUSE OF REPRESENTATIVES,SENATE",60000,,0,0,2020-04-03T11:13:05.180000-04:00
2420921,91810c41-1f1e-47b6-afe1-08b46e6fb8e6,Q1,THE ROYER LAW FIRM (FORMERLY ROYER & BROOKS),33875,RENT-A-CENTER,2020,first_quarter,BAN,Banking,"HOUSE OF REPRESENTATIVES,SENATE",50000,,0,0,2020-04-03T11:14:06.060000-04:00
2420922,834cd96d-beb1-45a3-9988-982aa3da3247,Q1,THE ROYER LAW FIRM (FORMERLY ROYER & BROOKS),33875,TRADE EXCHANGE OF AMERICA,2020,first_quarter,BAN,Banking,,,,0,0,2020-04-03T11:16:06.983000-04:00
2420930,80efbad4-8484-4818-b203-3e5d11a08571,Q1,THE ROYER LAW FIRM (FORMERLY ROYER & BROOKS),33875,"FLUSHING BANK, NA",2020,first_quarter,BAN,Banking,"Export-Import Bank of the United States (EXIM Bank),HOUSE OF REPRESENTATIVES,SENATE",,,0,0,2020-04-03T11:22:15.147000-04:00
2420931,3273ef64-182f-4539-bffb-fafb888638b1,Q1,THE ROYER LAW FIRM (FORMERLY ROYER & BROOKS),33875,NEW YORK COMMUNITY BANK,2020,first_quarter,BAN,Banking,"HOUSE OF REPRESENTATIVES,SENATE",,,0,0,2020-04-03T11:24:16.307000-04:00
2420981,1a3306fc-267c-4378-86c2-96cf55ec05d7,Q1,HOLLAND & KNIGHT LLP,18466,"CITY OF AURORA, CO",2020,first_quarter,BAN,Secure and Fair Enforcement Banking Act of 2019 (S. 1200).,"Defense, Dept of (DOD),HOUSE OF REPRESENTATIVES,SENATE,Transportation, Dept of (DOT)",30000,,0,0,2020-04-03T14:00:51.593000-04:00
2420989,8a0b2829-fb52-4f2f-a384-5cb6676a58b7,Q1,"RESOLUTION PUBLIC AFFAIRS, LLC",401105068,AMERICAN LAND TITLE ASSOCIATION,2020,first_quarter,BAN,"HR 2513, Corporate Transparency Act
HR 2514, Coordinating Oversight, Upgrading and Innovating Technology, and Examiner Reform Act of 2019
HR 1595, Secure And Fair Enforcement Banking Act of 2019","HOUSE OF REPRESENTATIVES,SENATE",30000,,0,0,2020-04-03T14:06:53.760000-04:00
2421011,a6e779a2-3570-44d0-bed8-a8f4c288f8cf,Q1,"RESOLUTION PUBLIC AFFAIRS, LLC",401105068,FINANCIAL SERVICES FORUM,2020,first_quarter,BAN,"Issue related to Global Systemically Important Banks, generally.
Issues related to the CARES Act, generally
Support for international harmonization of regulations surrounding Inter Affiliate Margins
HR 2513, Corporate Transparency Act
HR 2514, Coordinating Oversight, Upgrading and Innovating Technology, and Examiner Reform Act of 2019","HOUSE OF REPRESENTATIVES,SENATE",40000,,0,0,2020-04-03T15:04:10.660000-04:00
2421038,0d1f86ed-b224-4067-aeaf-b9b7661e81e0,Q1,LAVENDER CONSULTANTS,401104727,ONLINE LENDERS ALLIANCE,2020,first_quarter,BAN,"CFPB Small Dollar Lending Rule
Operation Chokepoint
Fintech Charter
True Lender Legislation
Valid When Made Legislation
HR 1509/S. 656 - Stopping Abuse & Fraud in Electronic Lending Act of 2019 (SAFE Lending Act of 2019)
HR 56 - Financial Technology Protection Act
HR 189 - Financial Institution Customer Protection Act of 2019
HR 741 - Taking Account of Institutions with Low Operation Risk Act of 2019 (TAILOR Act of 2019)
HR 1282 - Data Accountability & Trust Act
HR 1491 - Facilitating Innovation & New Technology so Entrepreneurs Create and Hire Act of 2019 (FINTECH Act of 2019)
HR 5050 - Veterans and Consumers Fair Credit Act 
S. 142 - American Data Dissemination Act of 2019
S. 583 - Digital Accountability and Transparency to Advance Privacy Act
S. 610/HR 1423 - Forced Arbitration Injustice Repeal Act
S. 630 - Arbitration Fairness for Consumers Act
S. 635 - Restoring Statutory Rights and Interests of the States Act of 2019 (arbitration)
S. 2833 - Veterans and Consumers Fair Credit Act
S. 2808 - Emergency Assistance in Response to the Covid-19 Pandemic","Consumer Financial Protection Bureau (CFPB),Executive Office of the President (EOP),Federal Deposit Insurance Corporation (FDIC),HOUSE OF REPRESENTATIVES,Office of the Comptroller of the Currency (OCC),Office of the Vice President of the United States,SENATE,Treasury, Dept of",30000,,0,0,2020-04-03T15:40:28.210000-04:00
2421040,bd600f94-77fe-4a4f-ad5b-250ed11838a0,Q1,LAVENDER CONSULTANTS,401104727,MID-SIZE BANK COALITION OF AMERICA,2020,first_quarter,BAN,"Dodd-Frank Act
Banking issues in the Appropriations Act
Community Reinvestment Act
Bank Secrecy Act
Anti-Money Laundering 
Cannabis Banking
SAFE Banking Act
S.2833Veterans and Consumers Fair Credit Act
H.R.5050 - Veterans and Consumers Fair Credit Act
S. 2808 - Emergency Assistance in Response to the Covid-19 Pandemic","Consumer Financial Protection Bureau (CFPB),Federal Deposit Insurance Corporation (FDIC),Financial Crimes Enforcement Network (FinCEN),HOUSE OF REPRESENTATIVES,Office of the Comptroller of the Currency (OCC),SENATE,Treasury, Dept of",30000,,0,0,2020-04-03T15:43:32.383000-04:00
2421247,32e07b62-ae29-4aba-afb0-e6e0534881ba,Q1,SQUIRE PATTON BOGGS,30906,"BROADRIDGE FINANCIAL SOLUTIONS, INC.",2020,first_quarter,BAN,"General financial services industry issues, including those that could affect communications between publicly held companies and shareholders.","HOUSE OF REPRESENTATIVES,SENATE",90000,,0,0,2020-04-06T09:30:01.350000-04:00
2421431,b1cb933c-36f0-4bc6-9147-0ac00f821a9c,Q1,COMMERCE BANK,400728185,COMMERCE BANK,2020,first_quarter,BAN,"Marijuana Banking, CECL, arbitrary regulatory thresholds","HOUSE OF REPRESENTATIVES,SENATE",,,0,0,2020-04-06T14:32:50.167000-04:00
2421588,9f8c8769-31a5-430c-af51-51a6bd0b2620,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,2020,first_quarter,BAN,"Monitor efforts of the Financial Stability Board (FSB) to designate non-bank, non-insurers as Global Systemically Important Financial Institutions.  Lobby in favor of increased transparency regarding the process.","Commodity Futures Trading Commission (CFTC),HOUSE OF REPRESENTATIVES,Risk Management Agency,Securities & Exchange Commission (SEC),SENATE,Treasury, Dept of",,580000,0,0,2020-04-07T09:49:41.817000-04:00
2421659,a04f454d-49b3-43b9-ae68-ba02bf1f90c7,Q1,DAVID ISRAELITE,316935,"CHRISTIE'S, INC.",2020,first_quarter,BAN,HR2513 and HR2514 Amendment of Bank Secrecy Act,"HOUSE OF REPRESENTATIVES,SENATE",24000,,0,0,2020-04-07T12:08:47.250000-04:00
2421768,5e71b51e-70ae-4ab7-bae9-ae2e17edb0f8,Q1,ACG ADVOCACY,2057,RURAL COUNTY REPRESENTATIVES OF CALIFORNIA,2020,first_quarter,BAN,"Banking issues impacting rural counties in California.
Cannabis issues impacting rural counties in California.","Food & Drug Administration (FDA),HOUSE OF REPRESENTATIVES,SENATE,White House Office",50000,,0,0,2020-04-07T14:13:10.827000-04:00
2421781,d9d53e15-65a6-4fab-ae4e-0fa08914ce49,Q1,ACG ANALYTICS,401104741,AMERICAN TRADE ASSOCIATION FOR CANNABIS & HEMP,2020,first_quarter,BAN,Cannabis/hemp issues and the banking industry.,"Agriculture, Dept of (USDA),HOUSE OF REPRESENTATIVES,Justice, Dept of (DOJ),SENATE,Treasury, Dept of",10000,,0,0,2020-04-07T14:18:17.623000-04:00
2421787,2f0b4301-76d2-40d8-ba0b-f24c740e5c60,Q1,ACG ANALYTICS,401104741,POLICY CENTER FOR PUBLIC HEALTH & SAFETY,2020,first_quarter,BAN,Cannabis/hemp issues and the banking industry.,"Agriculture, Dept of (USDA),HOUSE OF REPRESENTATIVES,Justice, Dept of (DOJ),SENATE,Treasury, Dept of",10000,,0,0,2020-04-07T14:19:21.130000-04:00
2421799,c0984084-916d-4d02-b14a-59cbb4666b20,Q1,SQUIRE PATTON BOGGS,30906,"INFRA-BK, LLC",2020,first_quarter,BAN,Creation of an infrastructure bank.,"HOUSE OF REPRESENTATIVES,Transportation, Dept of (DOT)",70000,,0,0,2020-04-07T14:26:31.723000-04:00
2421809,46e92b70-ee68-41cb-a069-ecb5e1c2b270,Q1,SQUIRE PATTON BOGGS,30906,NATIONAL CANNABIS ROUNDTABLE,2020,first_quarter,BAN,"Reforming federal law and policy governing medical research, financial transactions, and tax deductions applicable to cannabis and allowing states and territories to set and enforce their own laws governing cannabis use, including H.R. 1595 and S. 1200, the Secure and Fair Enforcement (SAFE) Banking Act of 2019.","HOUSE OF REPRESENTATIVES,SENATE,Treasury, Dept of,White House Office",120000,,0,0,2020-04-07T14:34:38.610000-04:00
2421844,ec5781e4-1eaf-4dd9-a21a-7bfe5ca83f46,Q1,"PACE, LLP",30495,NATIONAL ASSN OF CREDIT MANAGEMENT,2020,first_quarter,BAN,"Bankruptcy
Federal Trade Policy
COVID Response","HOUSE OF REPRESENTATIVES,SENATE",20000,,0,0,2020-04-07T15:38:01.167000-04:00
2421863,0a3cbc8f-00ca-4c00-aa38-6c9f8e8ac248,Q1,"PACE, LLP",30495,KASASA,2020,first_quarter,BAN,"Deposit Broker Rule 
COVID Response","Federal Deposit Insurance Corporation (FDIC),HOUSE OF REPRESENTATIVES,SENATE",15000,,0,0,2020-04-07T15:57:13.870000-04:00
2421876,e3acb599-0259-4578-ab42-6737f9a72aee,Q1,"PACE, LLP",30495,CA STATE ASSEMBLY,2020,first_quarter,BAN,"CFPB Rules
Dodd-Frank Reforms","Agriculture, Dept of (USDA),Federal Aviation Administration (FAA),HOUSE OF REPRESENTATIVES,Housing & Urban Development, Dept of (HUD),SENATE,Veterans Affairs, Dept of (VA)",40000,,0,0,2020-04-07T16:12:28.853000-04:00
2421912,4fcbdb11-db12-48e4-9063-642e8de8edd5,Q1,"PACE, LLP",30495,HILLTOP HOLDINGS INC.,2020,first_quarter,BAN,"Dodd-Frank Reform 
Predatory Lending Practices
Equity Buy Back Legislation
The ""Secure Act"" - The Setting Every Community Up for Retirement Enhancement Act of 2019
COVID Response","Consumer Financial Protection Bureau (CFPB),HOUSE OF REPRESENTATIVES,SENATE",80000,,0,0,2020-04-07T16:32:59.903000-04:00
2421920,394f1357-7e30-4498-8e42-ba97e06fc0ef,Q1,RICH FEUER ANDERSON,84775,GENWORTH FINANCIAL INC,2020,first_quarter,BAN,Housing finance reform and operation of the Federal Housing Administration and the Federal government-sponsored housing enterprises.,"HOUSE OF REPRESENTATIVES,SENATE",30000,,0,0,2020-04-07T16:39:08.990000-04:00
2421928,22c38ed0-2c2a-4270-97e8-8f340b2286a6,Q1,RICH FEUER ANDERSON,84775,BLACKROCK FUNDS SERVICES GROUP LLC (FORMERLY BLACKROCK CAPITAL MANAGEMENT INC.),2020,first_quarter,BAN,"Regulation of asset managers as systemically important financial institutions.  Regulation of money market funds, including S.733 and H.R.4492, the ""Consumer Financial Choice and Capital Markets Protection Act of 2019.""","HOUSE OF REPRESENTATIVES,SENATE",80000,,0,0,2020-04-07T16:50:15.693000-04:00
2421930,f98df5c6-c853-4210-93fd-d69b8c445c84,Q1,M&T BANK CORPORATION,401104858,M&T BANK CORPORATION,2020,first_quarter,BAN,"Small Business, pandemic response, The COUNTER Act; Illicit Cash Act; other banking regulations.","Executive Office of the President (EOP),HOUSE OF REPRESENTATIVES,SENATE",,100000,0,0,2020-04-07T16:57:20.227000-04:00
2422062,22c81c06-e810-4355-bc83-e1cefab6a4de,Q1,NATIONAL ASSOCIATION FOR COLLEGE ADMISSION COUNSELING,54916,NATIONAL ASSOCIATION FOR COLLEGE ADMISSION COUNSELING,2020,first_quarter,BAN,"Student loans, Mandatory arbitration clauses","Consumer Financial Protection Bureau (CFPB),Education, Dept of,Federal Trade Commission (FTC),HOUSE OF REPRESENTATIVES,SENATE",,40000,0,0,2020-04-08T12:23:23.383000-04:00
2422106,858d7c9a-bd79-4eb0-ab58-9ab2df854ea3,Q1,VAN FLEET ASSOCIATES,39781,"FULL SPECTRUM OMEGA, INC.",2020,first_quarter,BAN,Reclassification of cannabis under the Control Substance Act;  Access to medical cannabis by Veterans,"Food & Drug Administration (FDA),HOUSE OF REPRESENTATIVES,SENATE,White House Office",20000,,0,0,2020-04-08T13:44:16.013000-04:00
2422175,f7345c66-43d9-4349-b661-aaf1b8d8f377,Q1,RICH FEUER ANDERSON,84775,APPRAISAL INSTITUTE,2020,first_quarter,BAN,"Regulation of appraisers, including potential legislation to modernize the appraisal regulatory structure, and in-person appraisal requirements, including H.R. 748, the ""CARES Act.""","HOUSE OF REPRESENTATIVES,SENATE",30000,,0,0,2020-04-08T15:28:15.343000-04:00
2422271,f21b4603-0c71-4467-b10c-3bfc9402e33c,Q1,THE DLM GROUP,313794,"GLOBAL HERITAGE ALLIANCE, INC.",2020,first_quarter,BAN,"Congressional and Executive Branch activities involving commerce of cultural items, lobbying issues and agencies arenas.
Possible issue with potential AML legislation impacting on the art trade.","Bureau of Indian Affairs (BIA),Homeland Security, Dept of (DHS),HOUSE OF REPRESENTATIVES,Interior, Dept of (DOI),Justice, Dept of (DOJ),SENATE,State, Dept of (DOS),Treasury, Dept of,U.S. Customs & Border Protection,U.S. Immigration & Customs Enforcement (ICE)",10000,,0,0,2020-04-09T06:21:51.200000-04:00
2422274,8f68aa76-e275-4c1b-b2b7-ccb133ede63a,Q1,THE DLM GROUP,313794,ATADA,2020,first_quarter,BAN,"Congressional and Executive Branch activities involving commerce, executive issues. labor 
issues and the activities arena.
Possible issue with potential AML legislation impacting the art trade.","Bureau of Indian Affairs (BIA),Homeland Security, Dept of (DHS),HOUSE OF REPRESENTATIVES,Interior, Dept of (DOI),Justice, Dept of (DOJ),SENATE,State, Dept of (DOS),U.S. Customs & Border Protection,U.S. Immigration & Customs Enforcement (ICE)",10000,,0,0,2020-04-09T06:36:54.727000-04:00
2422523,aa7c0fc1-46c9-43f1-9d9a-306604061c0e,Q1,NAIOP,26865,NAIOP,2020,first_quarter,BAN,"Lobbied on corporate transparency and beneficial ownership issues (H.R. 2513)

Lobbied for expansion of the revived Term Asset Backed Securities Facility (TALF), for the inclusion of commercial mortgage backed securities (CMBS) as an eligible asset class for TALF, and for adjustments to the facilitys terms in response to current market dynamics.","Army, Dept of (Corps of Engineers),Energy, Dept of,Environmental Protection Agency (EPA),Executive Office of the President (EOP),Federal Reserve System,HOUSE OF REPRESENTATIVES,SENATE,Treasury, Dept of",,312302,0,0,2020-04-09T14:53:52.657000-04:00
2422650,b87dd46f-c2b3-454c-a4b2-5e4febe16799,Q1,RICH FEUER ANDERSON,84775,"SWIFT, INC.",2020,first_quarter,BAN,Imposition of sanctions on financial messaging services with respect to institutions in other countries.,"HOUSE OF REPRESENTATIVES,SENATE",60000,,0,0,2020-04-09T17:54:53.900000-04:00
2422826,5ebf6469-b4f5-4842-8a14-8f22d76e4a94,Q1,I STREET ADVOCATES,51753,PAYPAL,2020,first_quarter,BAN,financial technology policy; small business and consumer protection issues,"HOUSE OF REPRESENTATIVES,SENATE",20000,,0,0,2020-04-10T11:21:26.357000-04:00
2422976,4800b799-d8e0-416e-93dc-481f31732532,Q1,"MISSY EDWARDS STRATEGIES, LLC",400547641,REAL ESTATE ROUNDTABLE,2020,first_quarter,BAN,"GSE reform bills; covered bond market
Dodd/Frank Wall Street Reform and consumer Protection Act
FASB issues
TRIA","Executive Office of the President (EOP),HOUSE OF REPRESENTATIVES,SENATE,Transportation, Dept of (DOT),Treasury, Dept of",30000,,0,0,2020-04-10T14:06:37.937000-04:00
2423046,a5557fa4-e860-4b2e-8bd4-861c12451792,Q1,"NEXXUS CONSULTING, LLC",61414,"GHOST MANAGEMENT GROUP, LLC",2020,first_quarter,BAN,SAFE banking bill,"HOUSE OF REPRESENTATIVES,SENATE",20000,,0,0,2020-04-10T14:57:15.010000-04:00
2423051,da5245c1-3480-4c12-aa83-e652fd1081a1,Q1,"MASON STREET CONSULTING, LLC",401105150,"META PLATFORMS, INC.",2020,first_quarter,BAN,Issues related to blockchain policy.,SENATE,20000,,0,0,2020-04-10T15:08:22.193000-04:00
2423065,21869f4a-68f5-4bdf-8b13-376230f95b77,Q1,FEDERAL AGRICULTURAL MORTGAGE CORPORATION,14303,FEDERAL AGRICULTURAL MORTGAGE CORPORATION,2020,first_quarter,BAN,Charter modification for Farmer Mac,"HOUSE OF REPRESENTATIVES,SENATE",,45000,0,0,2020-04-10T15:25:39.187000-04:00
2423082,dfaa84f0-d8fe-40cc-957a-8ef107ce7b02,Q1,HOLLAND & KNIGHT LLP,18466,FINANCIAL SERVICES INSTITUTE,2020,first_quarter,BAN,Best interest standard for SEC; Independent Contractor legislation; tax deductibility of advisory fees; exemption of small broker deals; retirement security; regulation through enforcement at the Securities and Exchange Commission.,"HOUSE OF REPRESENTATIVES,SENATE",50000,,0,0,2020-04-10T15:46:55.917000-04:00
2423088,a844a750-8e98-40ba-ba39-bb2104bc516a,Q1,HOLLAND & KNIGHT LLP,18466,MORTGAGE BANKERS ASSOCIATION,2020,first_quarter,BAN,Reform of mortgage government-sponsored enterprises; refinancing legislation; FHA fees.,"HOUSE OF REPRESENTATIVES,SENATE",40000,,0,0,2020-04-10T15:48:59.203000-04:00
2423096,34081cf5-ee91-4d0e-8e58-68810101390e,Q1,THE BRIGHTUP GROUP LLC,400419998,INTERNATIONAL HOUSEWARES ASSOCIATION,2020,first_quarter,BAN,Commercial Bankruptcy Reform Enhancements - Preferences (Section 547).,"HOUSE OF REPRESENTATIVES,SENATE,U.S. Trade Representative (USTR)",20000,,0,0,2020-04-10T16:03:06.253000-04:00
2423102,4861aa8f-c311-4471-9a6b-886826f614be,Q1,RICH FEUER ANDERSON,84775,LONDON STOCK EXCHANGE GROUP PLC,2020,first_quarter,BAN,"Regulation of securities indices, regulation of derivative instruments, regulation and capitalization of clearinghouses, and protection of customer assets.","HOUSE OF REPRESENTATIVES,SENATE",60000,,0,0,2020-04-10T16:20:11.397000-04:00
2423425,1b69fb5c-511a-4630-88e5-a05eb9867533,Q1,"REPUBLIC CONSULTING, LLC",401016871,NATIONAL ASSOCIATION OF AFFORDABLE HOUSING LENDERS,2020,first_quarter,BAN,"Community Reinvestment Act regulations, affordable housing programs, and affordable housing tax credits.","HOUSE OF REPRESENTATIVES,SENATE",30000,,0,0,2020-04-11T14:23:19.120000-04:00
2423435,2ac133a9-4596-44a1-a2b7-9985fa39808c,Q1,"REPUBLIC CONSULTING, LLC",401016871,WORKIVA,2020,first_quarter,BAN,Financial Transparency Act and Use of machine readable data in government reports.,"HOUSE OF REPRESENTATIVES,SENATE",60000,,0,0,2020-04-11T14:29:53.160000-04:00
2423442,ec2b2396-dfa0-4f03-b0a6-101bf5717498,Q1,"REPUBLIC CONSULTING, LLC",401016871,MORTGAGE BANKERS ASSOCIATION,2020,first_quarter,BAN,"Issues related to mortgage banking,  mortgage finance, and affordable housing.","Executive Office of the President (EOP),Federal Deposit Insurance Corporation (FDIC),Federal Housing Finance Agency (FHFA),HOUSE OF REPRESENTATIVES,Labor, Dept of (DOL),Securities & Exchange Commission (SEC),SENATE,Treasury, Dept of",40000,,0,0,2020-04-11T14:38:04.240000-04:00
2423962,96fadeac-86bb-4d67-a45a-8bfd396d3a26,Q1,IMPERIUM GLOBAL ADVISORS,401104114,INDEPENDENT PAYROLL PROVIDERS ASSOCIATION,2020,first_quarter,BAN,Payroll Diversion Fraud,"HOUSE OF REPRESENTATIVES,SENATE,Treasury, Dept of",,,0,0,2020-04-13T13:10:38.943000-04:00
2424009,d62fe0fb-08d6-4af3-b0c7-566dd1f22b15,Q1,LOWE'S COMPANIES INC.,312678,LOWE'S COMPANIES INC.,2020,first_quarter,BAN,interchange and data privacy,"Consumer Product Safety Commission (CPSC),Energy, Dept of,Environmental Protection Agency (EPA),HOUSE OF REPRESENTATIVES,Housing & Urban Development, Dept of (HUD),SENATE,White House Office",,210000,0,0,2020-04-13T13:54:52.157000-04:00
2424107,abcf7d11-ea47-49be-96c3-27810fea0fca,Q1,PINE STREET STRATEGIES,401104132,NATIONAL BANKERS ASSOCIATION,2020,first_quarter,BAN,issues related to federal banking regulation,"HOUSE OF REPRESENTATIVES,SENATE",30000,,0,0,2020-04-13T14:52:19.117000-04:00
2424112,ab4e46aa-f6c1-46de-8106-9fc99133ab56,Q1,"THE SMITH-FREE GROUP, LLC",35800,MASTERCARD WORLDWIDE,2020,first_quarter,BAN,"Monitored H.R.2650, Payment Choice Act of 2019 

Monitored H.R.3951, Payments Modernization Act of 2019 

Monitored S.2243, Payments Modernization Act of 2019","HOUSE OF REPRESENTATIVES,SENATE,Treasury, Dept of",70000,,0,0,2020-04-13T14:54:19.787000-04:00
2424118,5f02c7af-4623-44a6-8d5f-af694480c384,Q1,"MARSHALL & POPP, LLC",401105121,"JAZZ PHARMACEUTICALS, INC. AND ITS SUBSIDIARIES, INCLUDING GREENWICH BIOSCIENCES",2020,first_quarter,BAN,"Issues related to the definition of ""business of insurance"".

H.R.1595: Secure And Fair Enforcement Banking Act of 2019.","Food & Drug Administration (FDA),HOUSE OF REPRESENTATIVES,SENATE",60000,,0,0,2020-04-13T14:57:22.103000-04:00
2424120,5916cbe1-db86-4dbf-96ff-e843034f0065,Q1,PINE STREET STRATEGIES,401104132,"CITY OF BIRMINGHAM, ALABAMA",2020,first_quarter,BAN,Issues related to federal banking regulation,"HOUSE OF REPRESENTATIVES,SENATE",30000,,0,0,2020-04-13T14:58:22.847000-04:00
2424138,8300f8cd-ca4d-4bd3-9b83-a63c8f03be37,Q1,"THE SMITH-FREE GROUP, LLC",35800,"EAST KENTUCKY POWER COOPERATIVE, INC.",2020,first_quarter,BAN,"S.1431, Retirement Security and Savings Act of 2019 (All sections of full text)  

H.R.1994, Setting Every Community Up for Retirement Enhancement Act of 2019 (All sections of full text) 

Monitored the implementation of P.L.115-334, Agriculture Improvement Act of 2018 (Subtitle E, Section 6503.Implementation of the Cushion of credit payments program)","HOUSE OF REPRESENTATIVES,SENATE",20000,,0,0,2020-04-13T15:05:25.980000-04:00
2424309,1b8d9585-5ef1-49cc-9134-92b3e27ca921,Q1,FACT COALITION (A PROJECT OF THE FUND FOR CONSTITUTIONAL GOVERNMENT),401104968,FACT COALITION (A PROJECT OF THE FUND FOR CONSTITUTIONAL GOVERNMENT),2020,first_quarter,BAN,"Legislation related to anti-money laundering, countering illicit finance, beneficial ownership, and incorporation transparency;

H.R. 2513/S. 1978, Corporate Transparency Act of 2019;

H.R. 2514, COUNTER Act of 2019;

S. 2563, ILLICIT CASH Act;

H.R.____, Rejecting Enemy Payments through Enforcement and Leadership (REPEL) Act [DRAFT];

Draft anti-money laundering legislation","Government Accountability Office (GAO),HOUSE OF REPRESENTATIVES,SENATE,Treasury, Dept of",,10000,0,0,2020-04-13T16:18:14.587000-04:00
2424440,6f91cdb2-72e9-4ef1-9b06-a6b0286d9f2b,Q1,"THE SMITH-FREE GROUP, LLC",35800,HSBC TECHNOLOGY & SERVICES (USA) INC,2020,first_quarter,BAN,Monitored discussions regarding the Bank Secrecy Act and anti-money laundering efforts,HOUSE OF REPRESENTATIVES,30000,,0,0,2020-04-13T17:36:54.973000-04:00
2424672,b6ba35e6-431e-4ab0-a822-6ad73153e223,Q1,ONE ACTION,400615867,ONE ACTION,2020,first_quarter,BAN,Corporate Transparency Act (H.R. 2513) and the Senate companion bill on beneficial ownership ILLICIT CASH Act S. 2563,"HOUSE OF REPRESENTATIVES,Natl Security Council (NSC),Office of Management & Budget (OMB),Overseas Private Investment Corp (OPIC),Securities & Exchange Commission (SEC),SENATE,State, Dept of (DOS),Treasury, Dept of,U.S. Agency for International Development (USAID),White House Office",,690000,0,0,2020-04-14T10:04:03.077000-04:00
2424922,09097213-c302-4fe3-84dd-52dd76e69bd3,Q1,THE WILLIAMS GROUP,401104049,NATIONAL BANKERS ASSOCIATION,2020,first_quarter,BAN,Increasing the federal governments participation in Treasurys Minority Bank Deposit Program,"HOUSE OF REPRESENTATIVES,SENATE",7500,,0,0,2020-04-14T12:21:05.717000-04:00
2425083,4ec79f6b-e535-4b56-8ba8-c3723ce13bf9,Q1,PHILIP BECHTEL,284356,COUNCIL OF FEDERAL HOME LOAN BANKS,2020,first_quarter,BAN,Housing finance reform; COVID-19 legislation; general Federal Home Loan Bank matters,"Federal Deposit Insurance Corporation (FDIC),Federal Housing Finance Agency (FHFA),HOUSE OF REPRESENTATIVES,SENATE",30000,,0,0,2020-04-14T14:15:00.767000-04:00
2425307,83234f1b-d474-4417-a3e8-64ffc5358014,Q1,RICH FEUER ANDERSON,84775,MELLON FINANCIAL SERVICES CORPORATE #1 (FORMERLY BANK OF NEW YORK MELLON CORP.),2020,first_quarter,BAN,"Legislation and regulation affecting custody banking, including implementation of S.2155, the ""Economic Growth, Regulatory Relief, and Consumer Protection Act.""","HOUSE OF REPRESENTATIVES,SENATE",50000,,0,0,2020-04-14T16:09:10.543000-04:00
2425370,62fcba78-82bd-4116-b079-b1ffbebd8456,Q1,RICH FEUER ANDERSON,84775,"SOCIAL FINANCE, INC.",2020,first_quarter,BAN,"Regulation of online lenders, including potential national charters, application of banking regulations, and securitization of student loans.  Eligibility of securitized consumer loan assets for Federal Reserve liquidity.","HOUSE OF REPRESENTATIVES,SENATE",40000,,0,0,2020-04-14T16:38:31.380000-04:00
2425435,d8eb9adf-e285-4de4-99ad-9c6de027a903,1T,"THE SMITH-FREE GROUP, LLC",35800,"SQUARE, INC.",2020,first_quarter,BAN,"Monitored discussions related to HR 1595 - SAFE Banking Act of 2019

Monitored discussions related to S. 1200 - SAFE Banking Act of 2019

Monitored discussions related to HR 5318, Bank Merger Review Modernization Act of 2019

Monitored discussions related to S. 2839, Eliminating Corporate Shadow Banking Act of 2019",HOUSE OF REPRESENTATIVES,10000,,0,1,2020-04-14T17:10:57.547000-04:00
2425475,4da1ff9f-b891-4901-9791-67ce358deea4,Q1,FENNEMORE CRAIG,400497445,CALIFORNIA AND NEVADA CREDIT UNION LEAGUES,2020,first_quarter,BAN,Federal Regulatory Issues that impact Credit Unions,,,,0,0,2020-04-14T18:15:12.080000-04:00
2425547,68f2b415-b2bd-4710-ab8f-f5ac21e1b54c,Q1,"NACHA, THE ELECTRONIC PAYMENTS ASSOCIATION",401103937,"NACHA, THE ELECTRONIC PAYMENTS ASSOCIATION",2020,first_quarter,BAN,"Faster Payments, ACH Network, Federal Reserve role in faster payments, Direct Deposit, Stimulus Payments","HOUSE OF REPRESENTATIVES,SENATE,Treasury, Dept of",,6900,0,0,2020-04-15T08:53:43.540000-04:00
2425554,166e38b9-5f7c-4045-befa-f61ebc4c606a,Q1,HSBC TECHNOLOGY AND SERVICES USA INC.,18694,HSBC TECHNOLOGY AND SERVICES USA INC.,2020,first_quarter,BAN,"Issues related to the regulation of large financial institutions, the Volcker Rule, Inter-affiliate margin requirements, cross-border requirements, capital, stress testing and resolution;
Monitored implementation of Public Law 115-174, the Economic Growth, Regulatory Relief and Consumer Protection Act specifically regulatory proposals to modify enhanced prudential standards for foreign banks.
Monitored developments related to the Federal Reserves development of its own real-time gross settlement service.
H.R. 748 the Coronavirus Aid, Relief, and Economic Security Act (CARES Act) including monitoring implementation.","Federal Reserve System,HOUSE OF REPRESENTATIVES,SENATE,Small Business Administration (SBA),Treasury, Dept of",,550000,0,0,2020-04-15T09:05:46.277000-04:00
2425823,450bf522-3510-4841-9b45-ef24812114f8,Q1,KENNETH GEAR,400384772,LEADING BUILDERS OF AMERICA,2020,first_quarter,BAN,"No bill number: Mortgage Finance Reform
No bill number: Policies related to access to mortgage credit
H.R. 2210 Invest in America Act
No bill number: Mortgage Servicing Liquidity issues pertaining to COVID-19","Environmental Protection Agency (EPA),Executive Office of the President (EOP),Federal Housing Finance Agency (FHFA),HOUSE OF REPRESENTATIVES,Housing & Urban Development, Dept of (HUD),SENATE",100000,,0,0,2020-04-15T10:59:12.533000-04:00
2425839,8c04d205-1d13-445f-98fe-2171e26a4742,Q1,HOLLAND & KNIGHT LLP,18466,MIDFIRST BANK,2020,first_quarter,BAN,"Implementation of P.L. 115-174, the Economic Growth, Regulatory Relief, and Consumer Protection Act; Federal Housing Administration rulemaking; H.R.1595 - Secure And Fair Enforcement Banking Act of 2019.",HOUSE OF REPRESENTATIVES,10000,,0,0,2020-04-15T11:04:15.733000-04:00
2425870,2f200b81-d349-4898-b01b-bc99be87133c,Q1,HOLLAND & KNIGHT LLP,18466,NAT'L COMMUNITY REINVESTMENT COALITION,2020,first_quarter,BAN,Single family residential homeownership.,"HOUSE OF REPRESENTATIVES,SENATE",,,0,0,2020-04-15T11:21:28.767000-04:00
2426365,34097213-5fc8-4fbc-aae7-42787a9938ce,Q1,JAMES BACKLIN,400624898,CHRISTIAN COALITION OF AMERICA,2020,first_quarter,BAN,Support for elimination of the Export-Import Bank,"HOUSE OF REPRESENTATIVES,SENATE",9000,,0,0,2020-04-15T13:50:06.777000-04:00
2426425,c4716a4a-b059-4400-b652-2b6c00b23f88,Q1,"MINDSET ADVOCACY, LLC",296271,"VISA USA, INC.",2020,first_quarter,BAN,"Issues related to payments innovation, payment/data security, payments regulation, privacy & data use issues. CARES Act (S.3548 & H.R. 748)","HOUSE OF REPRESENTATIVES,SENATE",50000,,0,0,2020-04-15T14:03:19.423000-04:00
2426463,6a31d89b-8bc2-4ede-89d1-5f60f5d83581,Q1,"UNITED BY INTEREST, LLC.",401104717,MASTERCARD,2020,first_quarter,BAN,Issues related to banking and consumer protection.,"HOUSE OF REPRESENTATIVES,SENATE",75820,,0,0,2020-04-15T14:12:31.330000-04:00
2426506,099a2d3a-d68e-495a-b583-487fc2b730c5,Q1,AMERICAN INVESTMENT COUNCIL F/K/A PEGCC,316536,AMERICAN INVESTMENT COUNCIL F/K/A PEGCC,2020,first_quarter,BAN,"Legislation affecting the regulation of private equity; Regulations affecting private equity firms in the United States and abroad; CARES Act (Public Law No: 116-136, H.R. 748/S. 3548), legislation and regulations related to private equity; Dodd-Frank Act, regulations affecting private equity; Legislation and regulation of business development companies, including CARES Act (Public Law No: 116-136, H.R. 748/S. 3548); Volcker Rule, proposed modifications thereto; Committee on Foreign Investment in the United States, and regulations affecting private equity; Credit funds and non-bank landing; Beneficial Ownership - Corporate Transparency Act (S. 1978/H.R. 2513), Improving Laundering Laws and Increasing Comprehensive Information Tracking of Criminal Activity in Shell Holdings (ILLICIT CASH Act) (S. 2563), and other legislation related to beneficial ownership of corporations; Proposed legislation related to regulation of investment advisers; Kokesh-Investor Protection and Capital Markets Fairness Act (H.R. 4344); Securities Fraud Enforcement and Investor Compensation Act (S. 799); Stop Wall Street Looting Act (S. 2155/H.R. 3848).","Commerce, Dept of (DOC),Commodity Futures Trading Commission (CFTC),Federal Deposit Insurance Corporation (FDIC),Federal Housing Finance Agency (FHFA),Federal Reserve System,HOUSE OF REPRESENTATIVES,Housing & Urban Development, Dept of (HUD),Office of the Comptroller of the Currency (OCC),Securities & Exchange Commission (SEC),SENATE,Small Business Administration (SBA),State, Dept of (DOS),Treasury, Dept of,White House Office",,640000,0,0,2020-04-15T14:19:45.037000-04:00
2426562,bfaaaa88-515d-4887-a0a3-3c66cb67bc77,Q1,BLUE MOUNTAIN STRATEGIES,401104249,SMART APPROACHES TO MARIJUANA,2020,first_quarter,BAN,"Issues related to S. 1200, SAFE Banking Act regarding marijuana banking and investment.",SENATE,10000,,0,0,2020-04-15T14:34:01.657000-04:00
2426654,1edd5d7c-ee24-4b59-9df7-b66c34936f84,1T,"CHAMBERS, CONLON & HARTWELL, LLC",8830,COUNCIL OF STATE GOVERNMENTS,2020,first_quarter,BAN,"S.1200/H.R.1595 - Secure And Fair Enforcement Banking Act of 2019
Monitor and report on issues related to federal regulations on banking services for legitimate marijuana-related businesses.","HOUSE OF REPRESENTATIVES,SENATE,Transportation, Dept of (DOT)",50000,,0,1,2020-04-15T14:59:26.080000-04:00
2426686,3ce1367c-2152-481c-b9b1-d551200831d6,Q1,"JOHN LADD & ASSOCIATES, INC.",401105133,PROMERICA FINANCIAL CORPORATION,2020,first_quarter,BAN,Legislative and administration monitoring and outreach on issues affecting the international banking industry.,"HOUSE OF REPRESENTATIVES,SENATE,State, Dept of (DOS),Treasury, Dept of,White House Office",90000,,0,0,2020-04-15T15:08:37.057000-04:00
2426694,9821a14a-21e6-43be-8b08-08fb3f544df8,Q1,GRAYROBINSON PA,401053970,KASASA LTD.,2020,first_quarter,BAN,"Issues affecting financial institutions. 
Issues affecting brokered deposits.
H.R. 4501, Consumer Transaction Account Protection Acts of 2019, all provisions. 
S. 3108, Consumer Transaction Account Protection Act of 2019, all provisions.","HOUSE OF REPRESENTATIVES,SENATE",45000,,0,0,2020-04-15T15:11:40.657000-04:00
2426756,8389ef03-fdeb-4586-97aa-57bf8a5caf0b,Q1,GRAYROBINSON PA,401053970,RAKUTEN BANK AMERICA,2020,first_quarter,BAN,"Chartering of de novo banks.
S. 2839, Eliminating Corporate Shadow Banking Act of 2019, all provisions.","HOUSE OF REPRESENTATIVES,SENATE",45000,,0,0,2020-04-15T15:22:53.823000-04:00
2426776,16968a35-08b2-497f-9901-ef3972fc62fd,Q1,"MERCURY PUBLIC AFFAIRS, LLC",70175,"ASG RESOLUTION CAPITAL, JSC ON BEHALF OF ERNESTS BERNIS",2020,first_quarter,BAN,liquidation of bank,"Treasury, Dept of",570000,,0,0,2020-04-15T15:25:58.627000-04:00
2426777,72540bc5-b13a-4ce9-8a18-66191b58a393,Q1,GRAYROBINSON PA,401053970,THE PAYROLL GROUP,2020,first_quarter,BAN,"Real time payments, legislation impacting payroll servicing.","Executive Office of the President (EOP),HOUSE OF REPRESENTATIVES,SENATE,Small Business Administration (SBA),Treasury, Dept of",16500,,0,0,2020-04-15T15:26:59.180000-04:00
2426874,cd858368-5633-4a3b-825c-5b5a010a5594,Q1,"VISTA OUTDOOR, INC",401103613,"VISTA OUTDOOR, INC.",2020,first_quarter,BAN,S. 821 - Freedom Financing Act,"Commerce, Dept of (DOC),Homeland Security, Dept of (DHS),HOUSE OF REPRESENTATIVES,SENATE,U.S. Trade Representative (USTR)",,110000,0,0,2020-04-15T15:54:25.923000-04:00
2426983,f864b746-7eaa-4fb2-b67c-3302a03c02d3,Q1,COMMUNITY BANKERS ASSOCIATION OF ILLINOIS,400531588,COMMUNITY BANKERS ASSOCIATION OF ILLINOIS,2020,first_quarter,BAN,"CBAI Federal Policy Priorities - 2019 

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Community banks are strong guardians of the security and confidentiality of their customers information and are on the frontline of defending against cyber security threats. Core data security principals in legislation and regulations must include the complete cost of data breaches being borne by that party that caused the breach; all participants in the payment system should be subject to verifiable Gramm-Leach-Bliley Act-like data security standards; a national data security breach and notification standard should replace the current patchwork of state laws; and any new data security standard proposals should ensure that community banks are not burdened with having to reassess existing critical systems, and implement and comply with new regulations, only to achieve the same superior results they currently attain.

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

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

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

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

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

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

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

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

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

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



Legislation -

Proposed legislation to amend the Bank Holding Company Act to regulate industrial bank holding companies (House, Senate, OCC)

SAFE Banking Act (H.R. 1595 and S. 1200) (All Sections), cannabis banking safe harbor (House, Senate, OCC)

Enhances Credit Opportunities in Rural America (ECORA) (H.R. 1872 and S.1641) (All Sections), interest earned on agricultural real estate and rural single family home loans would not be taxable (House, Senate, OCC)

Community Bank Access to Capital (S.1233) (All Sections), exempting banks under certain thresholds from Sarbanes-Oxley internal control attestations and FDIC annual reports, and revises the SECs definition of investor categories (House, Senate, OCC)

Corporate Transparency Act of 2019 and Coordinating Oversight/Illicit Cash Act (H.R. 2513&14 and S. 2563) (All Sections), which amends the Bank Secrecy Act (BSA) to require beneficial ownership information to be collected by the Financial Crimes Enforcement Network (FinCEN) (House, Senate, OCC)

Preserving Small Business Lending Act of 2020 (H.R. 5574) (All Sections), regarding Section 1071 of the Dodd-Frank Act about small business data collection (House, Senate, OCC)



Letters -

Letter to The Honorable Senator Mike D. Crapo regarding request for information about Concerns with Cannabis Banking Legislation (Senate)

Comment Letter to the Office of the Comptroller of the Currency (OCC) regarding Permissible Interest on Loans that are Sold, Assigned, or Otherwise Transferred; Docket ID OCC-2019-0027 and RIN 1557-AE73 (OCC)

Comment Letter to the Consumer Financial Protection Bureau (CFPB) regarding Request for Information Regarding the Integrated Mortgage Disclosure Under the Real Estate Settlement Procedures Act (Regulation X) and the Truth in Lending Act (Regulation (Z) Rule Assessment; Docket No. CFPB-2019-0055 (CFPB) 

Letter to the Federal Deposit Insurance Corporation (FDIC) regarding Deposit Insurance Applications for Industrial Loan Companies (FDIC, House)



Action Alerts -

Action Alert regarding tax-exempt credit unions purchasing taxpaying community banks and Congressional oversight of credit unions (House, Senate)



Miscellaneous -

Modernization of the CRA, OCC Comment Letter - Reforming the CRA Regulatory Framework, Docket ID OCC-2018-0008 and RIN 1557-AE34 (House)

Modernization of the CRA (OCC)

Tax-exempt credit unions purchasing taxpaying community banks (House and Senate, OCC)

Rural America and Farm Credit System lenders (House, Senate, OCC)

Community bank response to Coronavirus (House, Senate) 

Federal Reserves potential removal of Wells Fargo Asset Cap. (House)

Current Expected Credit Loss (CECL) model (OCC)","Consumer Financial Protection Bureau (CFPB),Federal Deposit Insurance Corporation (FDIC),HOUSE OF REPRESENTATIVES,Office of the Comptroller of the Currency (OCC),SENATE",,60000,0,0,2020-04-15T16:31:55.247000-04:00
2426988,1a22b9a2-868c-4c05-ada0-6cafc8724ff4,Q1,CAPSTONE NATIONAL PARTNERS,8214,CUNA MUTUAL GROUP,2020,first_quarter,BAN,FY21,"HOUSE OF REPRESENTATIVES,SENATE",,,0,0,2020-04-15T16:33:57.297000-04:00
2426990,c9d23d33-b0b1-4e5c-8b7b-e4960f792bb2,Q1,CAPSTONE NATIONAL PARTNERS,8214,DIGITAL FEDERAL CREDIT UNION,2020,first_quarter,BAN,FY21,"HOUSE OF REPRESENTATIVES,SENATE",7500,,0,0,2020-04-15T16:34:57.780000-04:00
2427000,96233553-cc77-4079-9d88-20763467c92e,Q1,CAPSTONE NATIONAL PARTNERS,8214,"NATIONAL COOPERATIVE BANK, N.A.",2020,first_quarter,BAN,FY21,"HOUSE OF REPRESENTATIVES,SENATE",15000,,0,0,2020-04-15T16:40:01.123000-04:00
2427029,3484359b-d669-454b-ba0c-5b4e7a5d43d6,Q1,MORTGAGE GUARANTY INSURANCE CORPORATION,401103768,MORTGAGE GUARANTY INSURANCE CORPORATION,2020,first_quarter,BAN,Housing Finance Reform and Taxation,"HOUSE OF REPRESENTATIVES,SENATE",,17000,0,0,2020-04-15T16:58:08.390000-04:00
2427121,8eb77bc1-6743-47c0-8f16-89e4e29580a3,Q1,"ON DECK CAPITAL, INC",401105187,"ON DECK CAPITAL, INC",2020,first_quarter,BAN,"Educate Members of Congress about financial technology (FinTech) lending in the small business space;
Educate Members of Congress about the use of alternative data and machine learning in credit underwriting;
Discuss the collection and storage of small business owner data by regulators, Dodd-Frank Sec 1071;
Highlight for Members of Congress FinTechs ability to serve historically underserved populations;
Advocate for legislation delaying the implementation of the Financial Accounting Standards Board (FASB) rule on Current Expected Credit Losses (CECL) and the ability of H.R. 748, the Coronavirus Aid, Relief, and Economic Security Act, to achieve this end.","HOUSE OF REPRESENTATIVES,SENATE,Small Business Administration (SBA),Treasury, Dept of",,80000,0,0,2020-04-15T17:44:41.913000-04:00
2427166,3d4cf49f-c859-40a5-b68c-49578e34f009,Q1,CANNABIS TRADE FEDERATION ACTION,401105199,CANNABIS TRADE FEDERATION ACTION,2020,first_quarter,BAN,"S. 1028 & HR 2093 - STATES Act
S.597; HR 1456 - Marijuana Justice Act
HR 171 - Legitimate Use of Medical Marihuana Act LUMMA 
H.R. 1118 - Small Business Tax Equity Act of 2019 
S. 422 - Small Business Tax Equity Act of 2019 
H.R. 127 - CARERS Act of 2019 
H. Res. 163 - RESPECT Resolution 
H.R 493 - Sensible Enforcement of Cannabis Act of 2019  
H.R. 601 - Medical Cannabis Research Act of 2019
S.179 - VA Medicinal Cannabis Research Act of 2019
H.R.712 - VA Medicinal Cannabis Research Act of 2019 
H.R.747 - To direct the Secretary of Veterans Affairs to conduct and support research on the efficacy and safety of medicinal cannabis, and for other purposes 
S. 420 - Marijuana Revenue and Regulations Act 
H.R. 1120 - Marijuana Revenue and Regulation Act 
S. 421 - A bill to amend the Controlled Substances Act to reduce the gap between Federal and State marijuana policy, and for other purposes 
H.R. 1119 - Responsibility Addressing the Marijuana Policy Gap of 2019
H.R. 1151 - Veterans Medical Marijuana Safe Harbor Act 
S. 445 - Veterans Medical Marijuana Safe Harbor Act
HR. 1416 - To protect the legal production, purchase, and possession of marijuana by Indian tribes, and for other purposes
H.R.1455 - (REFER Act) To protect States and individuals in States that have laws which permit the use of cannabis, and for other purposes 
H.R. 1587 - Marijuana Data Collection Act 
HR 1588  - Ending Federal Marijuana Prohibition Act of 2019
HR 1647 - Veterans Equal Access Act  
HR 1687 - Fairness in Federal Drug Testing Under States Law Act
HR 1893 - Next Step Act of 2019 
S. 697 - Next Step Act of 2019 
HR 2071 - To amend title 18 with respect to the sale, purchase, shipment, receipt, or possession of a firearm or ammunition by a user of medical marijuana, and for other purposes. 
S 802 - Jobs and Opportunity with Benefits and Services for Success Act 
S 2030 - State Cannabis Commerce Act
HR 4390 - Removing Marijuana from Deportable Offenses Act
HR 2191 Veterans Cannabis Use for Safe Healing Act
HR 4322 Expanding Cannabis Research and Information Act
S 2400 Expanding Cannabis Research and Information Act
HR 2676 - VA Survey of Cannabis Use Act
HR 4074 - Clarifying law around Insurance of Marijuana Act
S 1522 & HR 2843 - Marijuana Freedom and Opportunity Act
HR 3884 & S 2227 - Marijuana Opportunity Reinvestment and Expungement Act","HOUSE OF REPRESENTATIVES,SENATE",,235000,0,0,2020-04-15T18:33:56.443000-04:00
2427340,5fab2694-c95d-452d-9bcc-0d480cd0e27a,Q1,EUROPEAN BANKING FEDERATION - EBF,287918,EUROPEAN BANKING FEDERATION - EBF,2020,first_quarter,BAN,"- FEDERAL RESERVE SYSTEM 12 CFR Part 252 [Regulation YY; Docket No. R-1534] RIN 7100-AE 48 
Single-Counterparty Credit Limits for Bank Holding Companies and Foreign Banking Organizations 
-SECURITIES AND EXCHANGE COMMISSION
17 CFR Parts 240 and 249
[Release No. 34-75611; File No. S7-40-11]
RIN 3235-AL05
Registration Process for Security-Based Swap Dealers and Major Security-Based Swap
Participants
-DEPARTMENT OF TREASURY
Office of the Comptroller of the Currency
12 CFR Parts 3 and 50
Docket ID OCC-2018-0037
RIN 1557-AE56
FEDERAL RESERVE SYSTEM
12 CFR Parts 217, 249
Regulations Q, WW; Docket No. R-1628
RIN 7100-AF21
FEDERAL DEPOSIT INSURANCE CORPORATION
12 CFR Parts 324 and 329
RIN 3064-AE96
Proposed changes to applicability thresholds for regulatory capital requirements for
certain U.S. subsidiaries of foreign banking organizations and application of liquidity
requirements to foreign banking organizations, certain U.S. depository institution holding
companies, and certain depository institution subsidiaries
- DEPARTMENT OF TREASURY
Office of the Comptroller of the
Currency
12 CFR Part 44
[Docket No. OCC-2018-0010]
RIN 1557-AE27
FEDERAL RESERVE SYSTEM
12 CFR Part 248
[Docket No. R-1608]
RIN 7100-AF 06
FEDERAL DEPOSIT INSURANCE
CORPORATION
12 CFR Part 351
RIN 3064-AE67
SECURITIES AND EXCHANGE
COMMISSION
17 CFR Part 255
[Release no. BHCA-3; File no. S7-14-18]
RIN 3235-AM10
COMMODITY FUTURES TRADING
COMMISSION
17 CFR Part 75
RIN 3038-AE72
Proposed Revisions to Prohibitions and Restrictions on Proprietary Trading and Certain Interests in, and Relationships With, Hedge Funds and Private Equity Funds
Cross-Border Application of the Registration Thresholds and Certain Requirements Applicable to Swap Dealers and Major Swap Participants (Proposal)
- Joint Comprehensive Plan of Action (JCPOA): international sanctions
-DEPARTMENT OF THE TREASURY 
Internal Revenue Service 
26 CFR Part 1 
[REG-104259-18] 
RIN 1545-BO56 
Base Erosion and Anti-Abuse Tax 
- FATCA: Revised Guidance Related to Obtaining and Reporting Taxpayer Identification Numbers and Dates of Birth by Financial Institutions 
Notice 2017-46   
Final Rule Amendments and Guidance Addressing Cross-Border Application of Certain Security-Based Swap Requirements
Dec.18, 2019","Commodity Futures Trading Commission (CFTC),Federal Deposit Insurance Corporation (FDIC),Federal Reserve System,HOUSE OF REPRESENTATIVES,Office of the Comptroller of the Currency (OCC),Securities & Exchange Commission (SEC),SENATE,Treasury, Dept of,White House Office",,13000,0,0,2020-04-16T08:23:46.963000-04:00
2427560,241e44d9-ceed-4f8c-b7b8-dfc13cf407c0,Q1,NATIONAL ASSOCIATION OF MUTUAL INSURANCE COMPANIES,26945,NATIONAL ASSOCIATION OF MUTUAL INSURANCE COMPANIES,2020,first_quarter,BAN,"H.R.3885 - To amend the Bank Holding Company Act of 1956 to defer part of the compensation of senior employees of large bank holding companies (and their subsidiaries) for 10 years, to use such deferred amounts to pay any civil or criminal fines that may be levied on the bank holding company (or subsidiary), and for other purposes (Tulsi Gabbard, D-HI-2), ALL PROVISIONS

H.R.5180 - To amend the Bank Holding Company Act of 1956 to restore the separation between banking and commerce by prohibiting bank holding company ownership of nonfinancial assets, and for other purposes (Jesus Garcia, D-IL-4), ALL PROVISIONS

H.R.6249 - To temporarily prohibit the Federal financial regulators from requiring compliance with the CECL Rule by persons impacted by Coronavirus, and for other purpose (Blaine Luetkemeyer, R-MO-3), ALL PROVISIONS

S.3502 - A bill to delay the implementation date of the current expected credit losses methodology for estimating allowances for credit losses, and for other purposes (Kevin Cramer, R-ND), ALL PROVISIONS","Commerce, Dept of (DOC),Federal Emergency Management Agency (FEMA),HOUSE OF REPRESENTATIVES,Housing & Urban Development, Dept of (HUD),Internal Revenue Service (IRS),Labor, Dept of (DOL),Natl Highway Traffic Safety Administration (NHTSA),SENATE,Treasury, Dept of,U.S. Trade Representative (USTR)",,530000,0,0,2020-04-16T10:04:42.657000-04:00
2428148,a180c50d-c36b-44a0-b79c-7da39278d33a,Q1,NELSON MULLINS RILEY & SCARBOROUGH,285871,INSTITUTE FOR COLLEGE ACCESS & SUCCESS,2020,first_quarter,BAN,Consumer Financial Protection Bureau related issues; COVID-19/Coronavirus Response Legislative Initiatives,"Education, Dept of,HOUSE OF REPRESENTATIVES,SENATE",10000,,0,0,2020-04-16T12:10:22.107000-04:00
2428360,70faf0ce-eab9-4c26-912b-236ca7642ff8,Q1,BAILEY & EHRENBERG PLLC,400279340,INTERNATIONAL ASSOCIATION OF PROFESSIONAL NUMISMATISTS,2020,first_quarter,BAN,"HR 2514, Sec. 110. Study and strategy on trade-based money laundering.","HOUSE OF REPRESENTATIVES,SENATE,State, Dept of (DOS),U.S. International Trade Commission (ITC),White House Office",10000,,0,0,2020-04-16T12:48:09.747000-04:00
2428379,75a1f931-06d9-4f24-9a29-3758a732820b,Q1,BAILEY & EHRENBERG PLLC,400279340,PROFESSIONAL NUMISMATISTS GUILD,2020,first_quarter,BAN,"HR 2514, Sec. 110. Study and strategy on trade-based money laundering.","HOUSE OF REPRESENTATIVES,SENATE,State, Dept of (DOS),U.S. International Trade Commission (ITC)",,,0,0,2020-04-16T12:53:15.587000-04:00
2428413,f74e54d9-0bd6-4490-9fde-de86f7a82d25,Q1,BAILEY & EHRENBERG PLLC,400279340,"GLOBAL HERITAGE ALLIANCE, INC.",2020,first_quarter,BAN,"HR 2514, bill to require antiquities dealers to comply with AML regulations under the Bank Secrecy Act.","HOUSE OF REPRESENTATIVES,SENATE,State, Dept of (DOS)",10000,,0,0,2020-04-16T13:01:25.330000-04:00