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
2591012,b4556f85-3026-444e-8649-120bc9456632,1T,CHESAPEAKE ENTERPRISES,8987,HSBC HOLDINGS P/C,2021,first_quarter,BAN,Issues related to banking regulations,"HOUSE OF REPRESENTATIVES,SENATE",,,0,1,2021-01-21T17:05:03.563000-05:00
2591188,dc13a0ac-ea46-4a92-93d9-87d9b75cd621,Q1,CALIFORNIA AND NEVADA CREDIT UNION LEAGUES,7725,CALIFORNIA AND NEVADA CREDIT UNION LEAGUES,2021,first_quarter,BAN,"H.R. 1319, American Rescue Plan Act; H.R. 1417 - regarding credit union member business lending. Pay Check Protection Program implementation; credit union field of membership issues including maturity limits for federal credit unions; Fair lending; cannanis banking; Prompt Corrective Action for credit unions and capital reform. Community Development Finanical Institutions. Nominations for the CFPB's Credit Union Advisory Council.","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",,110000,0,0,2021-03-12T14:08:38.743000-05:00
2591240,eed14811-dac9-45ad-80a4-0ce2ed0e0fcb,Q1,THE ROYER LAW FIRM (FORMERLY ROYER & BROOKS),33875,FEDERAL HOME LOAN BANK OF NEW YORK,2021,first_quarter,BAN,Issues related to Housing and GSE's,"Federal Housing Finance Agency (FHFA),HOUSE OF REPRESENTATIVES,SENATE",60000,,0,0,2021-03-24T11:03:52.947000-04:00
2591242,0ed88d29-8603-46b6-a490-e2dcbfd41484,Q1,THE ROYER LAW FIRM (FORMERLY ROYER & BROOKS),33875,RENT-A-CENTER,2021,first_quarter,BAN,Issues related to rent to own,"HOUSE OF REPRESENTATIVES,SENATE",50000,,0,0,2021-03-24T11:04:53.450000-04:00
2591243,8c012bef-5446-4b93-99cb-df5c4addb1bb,Q1,THE ROYER LAW FIRM (FORMERLY ROYER & BROOKS),33875,TRADE EXCHANGE OF AMERICA,2021,first_quarter,BAN,Barter exchanges,,,,0,0,2021-03-24T11:05:53.930000-04:00
2591248,b0455f00-c039-4d30-b01c-33ebf38ef8ec,Q1,THE ROYER LAW FIRM (FORMERLY ROYER & BROOKS),33875,"FLUSHING BANK, NA",2021,first_quarter,BAN,Housing issues,"Export-Import Bank of the United States (EXIM Bank),HOUSE OF REPRESENTATIVES,SENATE",,,0,0,2021-03-24T11:10:56.133000-04:00
2591250,52658199-882f-42d7-a2f8-d3ce97c2df11,Q1,THE ROYER LAW FIRM (FORMERLY ROYER & BROOKS),33875,NEW YORK COMMUNITY BANK,2021,first_quarter,BAN,GSE,"HOUSE OF REPRESENTATIVES,SENATE",,,0,0,2021-03-24T11:12:57.150000-04:00
2591414,77b68298-afd0-4b8d-aa48-ed7c3d042460,Q1,ODENDAHL STRATEGIES LLC,401105656,"CITY OF DESERT HOT SPRINGS, CALIFORNIA",2021,first_quarter,BAN,Banking and financial services access for cannabis businesses,"Agriculture, Dept of (USDA),HOUSE OF REPRESENTATIVES,SENATE,U.S. Forest Service",10000,,0,0,2021-04-01T12:12:31.713000-04:00
2591497,7b57b1c2-d54f-46fb-bc0b-70c5d2b0c3bb,1T,"ELEVATE CREDIT, INC.",401104725,"ELEVATE CREDIT, INC.",2021,first_quarter,BAN,"Bank vendor issues, rate cap issues","HOUSE OF REPRESENTATIVES,SENATE",,,0,1,2021-04-01T15:37:56.150000-04:00
2591555,cb41d39e-3dc2-46c9-92e4-49c2353f3c9a,Q1,"MORRISON & FOERSTER, LLP",25897,AMERICAN BANKERS ASSOCIATION,2021,first_quarter,BAN,"Privacy, cybersecurity and breach notification","HOUSE OF REPRESENTATIVES,SENATE",50000,,0,0,2021-04-02T00:27:26.377000-04:00
2591614,df994e35-bd0b-41dc-b191-736791c13dc2,Q1,PETER TOMPA LAW,401105895,INTERNATIONAL ASSOCIATION OF PROFESSIONAL NUMISMATISTS,2021,first_quarter,BAN,"AML Compliance for ""antiquity dealers"" subject to the Bank Secrecy Act under NDAA","Financial Crimes Enforcement Network (FinCEN),HOUSE OF REPRESENTATIVES,SENATE,State, Dept of (DOS)",10000,,0,0,2021-04-02T13:04:57.387000-04:00
2591622,13755229-78bb-49a3-b405-84e4d351af2f,Q1,PETER TOMPA LAW,401105895,PROFESSIONAL NUMISMATISTS GUILD,2021,first_quarter,BAN,"AML compliance for ""Antiquity Dealers""  under the Bank Secrecy Act","Financial Crimes Enforcement Network (FinCEN),HOUSE OF REPRESENTATIVES,SENATE,State, Dept of (DOS)",,,0,0,2021-04-02T13:22:02.263000-04:00
2591690,a18f3848-845f-4cc2-8797-5f906f272980,Q1,ATOLLETC LLC,401105527,ATOLLETC LLC,2021,first_quarter,BAN,"Digital assets, cryptocurrencies","Education, Dept of,HOUSE OF REPRESENTATIVES,SENATE",,10000,0,0,2021-04-02T16:39:30.913000-04:00
2591695,1590bebe-87c5-4c9a-a772-7a54075d25c1,Q1,MARSHALL BRACHMAN,6848,LOCKHEED MARTIN AERONAUTIC SECTOR,2021,first_quarter,BAN,support defense financing provisions,"HOUSE OF REPRESENTATIVES,SENATE",27650,,0,0,2021-04-02T16:44:31.503000-04:00
2591702,6ab3ba93-3e27-4e69-9973-667e9637606f,Q1,ATOLLETC LLC,401105527,GOVERNMENT BLOCKCHAIN ASSOCATION - SPRINGFIELD,2021,first_quarter,BAN,"Digital Assets, Cryptocurrencies, Blockchain","HOUSE OF REPRESENTATIVES,SENATE",,,0,0,2021-04-02T16:44:32.230000-04:00
2591705,d0100ca3-1ffa-46ba-8884-81412428985f,Q1,MARSHALL BRACHMAN,6848,ZIONS BANCORP,2021,first_quarter,BAN,"support Congressional efforts to reform FASB CECL regulations
support Congressional efforts to require large credit unions to become taxable
monitor PPP legislation","HOUSE OF REPRESENTATIVES,SENATE",45000,,0,0,2021-04-02T16:48:32.837000-04:00
2591757,a63f1bef-34f9-41ce-814b-1d4a07d95ae0,Q1,"NEXXUS CONSULTING, LLC",61414,"GHOST MANAGEMENT GROUP, LLC",2021,first_quarter,BAN,SAFE Banking Act,"HOUSE OF REPRESENTATIVES,SENATE",30000,,0,0,2021-04-02T18:22:48.217000-04:00
2591767,a90d6017-01fc-4ec2-96eb-527a69d72e7a,Q1,FENNEMORE CRAIG,400497445,CALIFORNIA AND NEVADA CREDIT UNION LEAGUES,2021,first_quarter,BAN,Federal regulatory issues that impact credit unions.,,,,0,0,2021-04-02T19:09:51.130000-04:00
2591880,5e3a9d43-5d32-4585-adf5-e3256b828921,Q1,ACG ANALYTICS,401104741,AMERICAN TRADE ASSOCIATION FOR CANNABIS & HEMP,2021,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,,0,0,2021-04-05T09:14:09.733000-04:00
2591882,b0c7cd23-505b-4b21-9cea-7b9fc7efb5df,Q1,ACG ANALYTICS,401104741,POLICY CENTER FOR PUBLIC HEALTH & SAFETY,2021,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,,0,0,2021-04-05T09:16:10.500000-04:00
2591936,2c91795a-db92-497e-a453-10273a83f2f7,Q1,"ADVANCED POLICY CONSULTING, LLC",401103524,INVESTMENT COMPANY INSTITUTE (ICI),2021,first_quarter,BAN,Monitoring Financial Stability Councils (FSOC) review process of asset managers as systemically important financial institutions (SIFI) and related legislation. Hart-Scott-Rodino Antitrust Improvements Act (HSR) as it pertains to investment companies and aggregate threshold requirements.,"HOUSE OF REPRESENTATIVES,SENATE",20000,,0,0,2021-04-05T11:09:44.447000-04:00
2592064,c760fb15-f78f-47ba-b561-225611936a2c,1A,PETER TOMPA LAW,401105895,GLOBAL HERITAGE ALLIANCE,2021,first_quarter,BAN,AML Compliance for Antiquities Dealers made subject to Bank Secrecy Act by NDAA,"Financial Crimes Enforcement Network (FinCEN),HOUSE OF REPRESENTATIVES,SENATE,State, Dept of (DOS)",10000,,0,0,2021-04-05T15:51:57.140000-04:00
2592103,629b7002-6dba-41cb-abcf-953f9fe1b7a1,Q1,RICH FEUER ANDERSON,84775,"SOCIAL FINANCE, INC.",2021,first_quarter,BAN,"Regulation of online lenders, including potential national charters, application of banking regulations, and securitization of student loans.  Implementation of H.R. 748, the ""Coronavirus Aid, Relief and Economic Security Act.""","HOUSE OF REPRESENTATIVES,SENATE",40000,,0,0,2021-04-05T17:41:23.217000-04:00
2592225,2442f218-deee-44ca-b369-54da8c305d3d,Q1,PHOENIX GLOBAL ORGANIZATION INCORPORATED,401103998,SWISS CENTURION UNDERWRITING SERVICES INC.,2021,first_quarter,BAN,Omnibus and COVID Relief Act H.R. 133 Lobbying for the appropiate amount of funding is placed into the bill.,"HOUSE OF REPRESENTATIVES,SENATE",,,0,0,2021-04-06T13:35:56.837000-04:00
2592361,2e9f4e1b-7b5a-44b9-9230-217966ecda0f,Q1,FOXLEY & PIGNANELLI,400323516,NATIONAL ASSOCIATION OF INDUSTRIAL BANKERS,2021,first_quarter,BAN,"Industrial Loan Corporations
Industrial Banks
Banking
Financial Services 
Financial Regulations","Federal Deposit Insurance Corporation (FDIC),HOUSE OF REPRESENTATIVES,Office of the Comptroller of the Currency (OCC),SENATE,Treasury, Dept of",7500,,0,0,2021-04-06T18:18:17.127000-04:00
2592388,135255f2-8d5a-47d4-b796-95786dcb8d50,Q1,PHOENIX GLOBAL ORGANIZATION INCORPORATED,401103998,SWISS CENTURION PRIVATE LENDING SERVICES INC.,2021,first_quarter,BAN,Omnibus and COVID Relief Act H.R. 133 Lobbying for the appropiate amount of funding is placed into the bill.,"HOUSE OF REPRESENTATIVES,SENATE",,,0,0,2021-04-07T00:24:43.907000-04:00
2592449,6806e482-7fe8-4fed-b8e4-cb5bb1c43047,Q1,"NACHA, THE ELECTRONIC PAYMENTS ASSOCIATION",401103937,"NACHA, THE ELECTRONIC PAYMENTS ASSOCIATION",2021,first_quarter,BAN,"Economic Impact Payments
Faster Payments","HOUSE OF REPRESENTATIVES,SENATE,Treasury, Dept of",,,0,0,2021-04-07T10:34:18.003000-04:00
2592527,f46c0ca5-cd01-429c-b5fb-38859ab02ffc,Q1,PHILIP BECHTEL,284356,COUNCIL OF FEDERAL HOME LOAN BANKS,2021,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,,0,0,2021-04-07T12:16:08.403000-04:00
2592797,999a2ead-3e10-4a48-a7a8-532974a33e7e,Q1,I STREET ADVOCATES,51753,PAYPAL,2021,first_quarter,BAN,"financial technology policy; small business and consumer protection issue; S.4117 that would allow for automatic conversion to grants for PPP loans under $150,000; PPP loan forgiveness","HOUSE OF REPRESENTATIVES,SENATE",20000,,0,0,2021-04-08T13:59:09.847000-04:00
2592850,a7f8323e-e32f-4fe5-a5fe-b690017789c3,Q1,"MASON STREET CONSULTING, LLC",401105150,"META PLATFORMS, INC.",2021,first_quarter,BAN,"Issues related to blockchain policy.
Section 230 of the Communications Decency Act.",SENATE,20000,,0,0,2021-04-09T08:31:18.337000-04:00
2593007,f1a73e56-68d5-44bc-8bdf-387e74363493,Q1,"RESOLUTION PUBLIC AFFAIRS, LLC",401105068,WELLS FARGO & COMPANY,2021,first_quarter,BAN,"Issues related to the Payroll Protection Program, generally
1799 PPP Extension Act 2021
Issues related to banking, generally","HOUSE OF REPRESENTATIVES,SENATE",50000,,0,0,2021-04-09T18:27:35.683000-04:00
2593009,0204c721-d28f-4236-a88e-2530e9465049,Q1,"RESOLUTION PUBLIC AFFAIRS, LLC",401105068,FINANCIAL SERVICES FORUM,2021,first_quarter,BAN,"Issues related to GSIBs, generally
Issues related to Payroll Protection Program, generally","HOUSE OF REPRESENTATIVES,SENATE",40000,,0,0,2021-04-09T18:30:37.010000-04:00
2593102,4aba0bcb-d783-4f6c-a972-5fb5462856a7,Q1,THE WILLIAMS GROUP,401104049,TRUIST,2021,first_quarter,BAN,Banking and Securities Law,"HOUSE OF REPRESENTATIVES,SENATE",30000,,0,0,2021-04-10T10:09:19.727000-04:00
2593124,937b4e7b-8ae5-43c4-b61e-4c50c8c18e96,Q1,HOLLAND & KNIGHT LLP,18466,EAST WEST BANK,2021,first_quarter,BAN,Communications regarding administration of CARES Act PPP loans.,Small Business Administration (SBA),,,0,0,2021-04-10T14:30:39.067000-04:00
2593188,590cbc34-6857-42cd-917d-6dced46bda70,Q1,PUBLIC CITIZEN,32362,PUBLIC CITIZEN,2021,first_quarter,BAN,"Cares Act Successor, Tax Excessive CEO Pay Act, compensation conditions in next rescue plan.","Federal Trade Commission (FTC),HOUSE OF REPRESENTATIVES,Securities & Exchange Commission (SEC),SENATE,White House Office",,90000,0,0,2021-04-12T08:00:37.127000-04:00
2593300,a4155941-c5fe-4216-8145-6377f87ce737,Q1,M&T BANK CORPORATION,401104858,M&T BANK CORPORATION,2021,first_quarter,BAN,"Small Business Lending, and other banking regulations","HOUSE OF REPRESENTATIVES,SENATE",,90000,0,0,2021-04-12T11:31:10.493000-04:00
2593387,254f318b-4f54-4268-883a-6329db6f7be6,Q1,COUNCIL FOR CITIZENS AGAINST GOVERNMENT WASTE,11003,COUNCIL FOR CITIZENS AGAINST GOVERNMENT WASTE,2021,first_quarter,BAN,"CCAGW Submits Statement for the Record Opposing Raise in Minimum Wage to the Senate 
CCAGW Submits Statement for the Record Opposing Raise in Minimum Wage to the House","HOUSE OF REPRESENTATIVES,SENATE",,20000,0,0,2021-04-12T12:55:21.013000-04:00
2593630,626feb95-cf23-475a-bef8-7004e3049b8b,Q1,"JOHN LADD & ASSOCIATES, INC.",401105133,PROMERICA FINANCIAL CORPORATION,2021,first_quarter,BAN,Legislative and Administration monitoring and outreach of issues affecting the international banking industry.,"HOUSE OF REPRESENTATIVES,SENATE,State, Dept of (DOS),Treasury, Dept of,White House Office",90000,,0,0,2021-04-12T17:06:46.673000-04:00
2593658,48d768ca-b057-4ef0-9431-5ada17909c6e,Q1,DENT STRATEGIES,401105616,CUNA MUTUAL GROUP,2021,first_quarter,BAN,"H.R. 1996 - Secure and Fair Enforcement Banking Act - To create protections for financial institutions, including life insurers, that provide financial services to cannabis-related legitimate businesses and service providers for such businesses.

H.R. 1816 - Information Transparency and Personal Data Control Act - Federal preemption of privacy and the promulgation of regulations related to sensitive personal information.","HOUSE OF REPRESENTATIVES,SENATE",40000,,0,0,2021-04-12T17:35:08.307000-04:00
2593687,2b5cf213-104a-4818-8b49-be0a56335c95,Q1,MCDERMOTT WILL & SCHULTE LLP,24338,AMERICAN COALITION FOR TAXPAYER RIGHTS,2021,first_quarter,BAN,Legislation and regulation related to the provision or facilitation of tax services and related financial products. Addressing tax reform issues regarding personal income tax preparation and regulation. Assist with implementation of economic impact payments.,"Federal Reserve System,HOUSE OF REPRESENTATIVES,Internal Revenue Service (IRS),SENATE,Treasury, Dept of",40000,,0,0,2021-04-12T18:11:32.020000-04:00
2593717,56fc1339-d0dd-495f-a1ab-f0d658eecc8e,Q1,RICH FEUER ANDERSON,84775,GENWORTH FINANCIAL INC,2021,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,,0,0,2021-04-12T18:39:57.627000-04:00
2593772,7c4b859a-9638-4eb2-9ca2-52e563d20858,Q1,MANUFACTURED HOUSING INSTITUTE,23714,MANUFACTURED HOUSING INSTITUTE,2021,first_quarter,BAN,"Clarification of the Paycheck Protection Program guidelines regarding the eligibility of manufactured housing communities to receive funds.

Monitoring legislation that extends the eviction moratorium and foreclosure moratorium for residents and landlords.

Monitoring changes to Ability to Repay/Qualified Mortgage rule.

Revise the Truth in Lending Act's implementing regulation, Regulation Z, to align with Public Law 115-174.

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

Seek updates to FHA Title 1 and Title 2 Manufactured Home Loan Insurance Programs.

Inclusion of rental assistance and support for small businesses in economic stimulus packages regarding COVID-19.","Commerce, Dept of (DOC),Consumer Financial Protection Bureau (CFPB),Energy, Dept of,Federal Emergency Management Agency (FEMA),Federal Housing Finance Agency (FHFA),HOUSE OF REPRESENTATIVES,Housing & Urban Development, Dept of (HUD),Labor, Dept of (DOL),SENATE,Small Business Administration (SBA),Treasury, Dept of",,110000,0,0,2021-04-13T08:00:53.667000-04:00
2593785,4ee518d2-d6de-4397-af86-760102261369,1A,MARKQUEST,65932,AMERICAN FINANCIAL SERVICES ASSOCIATION,2021,first_quarter,BAN,Access to credit for all customers,SENATE,,,0,0,2021-04-13T08:46:04.457000-04:00
2594223,777d975a-b397-4ded-8da0-e1ae57d6b353,Q1,CAPITOL COUNSEL LLC,313715,PARSONS & WHITTEMORE ENTERPRISES,2021,first_quarter,BAN,"Issues related to the implementation of H.R. 748 - Coronavirus Aid, Relief, and Economic Security Act (CARES Act) and H.R.133 - Consolidated Appropriations Act, 2021.","HOUSE OF REPRESENTATIVES,SENATE,Treasury, Dept of",30000,,0,0,2021-04-13T13:49:08.383000-04:00
2594252,efcd9f72-ea8a-4548-9db9-1239b49feb4e,Q1,RICH FEUER ANDERSON,84775,BLACKROCK FUNDS SERVICES GROUP LLC (FORMERLY BLACKROCK CAPITAL MANAGEMENT INC.),2021,first_quarter,BAN,Regulation of asset management products and activities as systemically important.  Regulation of money market funds.,"HOUSE OF REPRESENTATIVES,SENATE",80000,,0,0,2021-04-13T14:06:29.413000-04:00
2594267,33d7739a-2b8f-410c-96e4-655ffd48be39,Q1,GREATER CLEVELAND PARTNERSHIP,82330,GREATER CLEVELAND PARTNERSHIP,2021,first_quarter,BAN,COVID-19 recovery,"Environmental Protection Agency (EPA),HOUSE OF REPRESENTATIVES,Natl Aeronautics & Space Administration (NASA),SENATE,Small Business Administration (SBA),Treasury, Dept of,U.S. Trade Representative (USTR)",,40000,0,0,2021-04-13T14:14:40.293000-04:00
2594280,ff64541a-54d2-4fc0-87c3-81542e861662,Q1,CAPITOL COUNSEL LLC,313715,PFM GROUP CONSULTING,2021,first_quarter,BAN,Legislative issues related to technical assistance for distressed cities.,"HOUSE OF REPRESENTATIVES,SENATE",,,0,0,2021-04-13T14:15:43.217000-04:00
2594287,8bc5c32f-a293-4f80-9605-c8e0dae620fc,Q1,MCDERMOTT WILL & SCHULTE LLP,24338,SANTA BARBARA TAX PRODUCTS GROUP,2021,first_quarter,BAN,"Legislation and agency regulation concerning tax time financial products, including but not limited to prepaid debit cards.","HOUSE OF REPRESENTATIVES,SENATE",10000,,0,0,2021-04-13T14:22:52.087000-04:00
2594297,e67ecdc2-783c-4537-904d-e58c417bc608,Q1,RICH FEUER ANDERSON,84775,APPRAISAL INSTITUTE,2021,first_quarter,BAN,"Regulation of appraisers, including potential legislation to modernize the appraisal regulatory structure and the Real Estate Valuation Fairness and Improvement Act of 2021.","HOUSE OF REPRESENTATIVES,SENATE",30000,,0,0,2021-04-13T14:31:03.123000-04:00
2594357,9c3cea57-0851-4e34-b066-b987fad81c01,Q1,COMMUNITY BANKERS ASSOCIATION OF ILLINOIS,400531588,COMMUNITY BANKERS ASSOCIATION OF ILLINOIS,2021,first_quarter,BAN,"CBAI 2020 Federal Policy Priorities -

Community Bank Response to the COVID-19 Crisis

COVID-19 has focused community bank efforts on helping their individual and small business customers and their communities weather the virus crisis and assist in the recovery effort. This was a commitment above and beyond what was normally expected, but one which community bankers were happy to fulfill. Community banks stepped-up during the crisis despite the many challenges and frustrations they encountered. They should be commended for what they are doing, treated fairly and equally, encouraged to do more, and not penalized for successfully performing their essential function.

The Independent Community Bankers of Americas Legislative and Regulatory Agenda Contained in their Community Focus 2020: The Community Bank Agenda for Expanding Economic Opportunity

CBAI joins the Independent Community Bankers of America (ICBA) in supporting 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 support the nations economic growth and development in every corner of the country.

Completing the Implementation of the Economic Growth, Regulatory Relief and Consumer Protection Act (S. 2155)

The banking regulators have almost completed implementing  S. 2155 so community banks can benefit from all of the regulatory relief measures. Community bankers, the associations that represent their interests, and Congress (which represent this vital economic constituency) must diligently insist on the swift completion the rulemaking - consistent with Congressional intent. 

Additional Meaningful Regulatory Relief for Community Banks

Community bankers seek additional regulatory relief including on several fronts (i.e., BSA reform, CTRs , SARs, tax exempt interest on agricultural and small business loans, and beneficial ownership reporting) to permit them to serve their customers and communities better and more efficiently. 

The Community Bank Position on Credit Unions and Their Expanded Powers

Credit unions have long-since strayed from their founding purposes, blatantly abusing their competitive advantages and are virtually indistinguishable from tax-paying community banks. Credit union acquisitions of community banks is a recent and disturbing trend that negatively impacts all taxpayers. This escalation of credit unions abusing of their tax-exemption should prompt Congress to Wake Up and act - NOW. This abuse is an existential threat to community banks and the communities they serve.

Closing the Industrial Loan Company (ILC) Regulatory Loophole

ILCs represent the unacceptable mixing of banking and commerce, because of the risks they pose to the financial system, our economy and American taxpayers. ILCs are the functional equivalent of banks and should be properly regulated. The loophole that excludes their holding companies from being supervised and regulated by the Federal Reserve must be closed.

The Community Bank Position on the Farm Credit System and its Expanded Powers

The Farm Credit System (FCS) has long-since strayed from its founding purposes, blatantly abusing its competitive advantages against community banks. The FCS is the only GSE that competes directly with community banks. This blatant and continuing discrimination against community banks must end and FCS competitive advantages must be reined-in and the playing field leveled for community banks.

The Federal Reserves Role in Payments System Improvement

A fast and secure payments system is the very foundation of financial services and economy and must be modernized. The payments system must not be monopolized by The Clearing House and its 25 large bank owners that endangered our financial system and the entire economy during the financial crisis. Community banks, small businesses and consumers must rely on the Federal Reserve to provide access to a safe and secure payments system. The Federal Reserve must be supported in its development of the FedNow Service to ensure that all participants have access to a real-time system on a fair and impartial basis. 

Modernizing the Community Reinvestment Act (CRA)

The modernization of the CRA must enhance the ability of community banks to serve their communities and must not impose any additional regulatory burden. All financial service providers must be subject to the CRA to provide a complete picture of every financial institutions performance in serving their communities. A modernization of the CRA that does not encompass credit unions, Farm Credit System lenders and Fintechs (including the OCCs Special Purpose National Banks) will be a sham. 

Modifying the FDICs Brokered Deposit Rule 

The FDIC proposed brokered deposit rule needs to be updated to reflect modern ways of gathering deposits and they should not be viewed unfavorably, and subject to unreasonable restrictions. A properly tailored brokered deposit rule will ensure that it does not place undue limits on the reasonable use of brokered deposits by community banks. 

Safe Harbor for Banking Cannabis-Related Businesses

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. CBAI has expressed its support in Congress for the Secure and Fair Enforcement Banking Act of 2019 (H.R. 1595) which provides this legal safe harbor. 

De Novo Community Bank Formation, the Dual Banking System and Charter Choice

Newly chartered (de novo) community banks are vitally important to maintaining a strong, growing, evolving and vibrant profession in the face of banking industry consolidation. Recent and encouraging signs by the FDIC to approve de novo charter applications must continue and many new banks should be chartered each year to help maintain the vitality of the community banking profession.

The dual banking system, where chartering and supervision is divided between the federal government and the states is important and must be maintained. Community banks should be able to choose the banking charter that best fits their unique business model.  A banking system with multi-agency (state and federal) regulators and charter choice provides the necessary checks and balances as well as improved rulemaking. 

Sound Principles for GSE Reform 

The seemingly endless and ongoing period of government ownership and control of Fannie and Freddie  must come to an end. GSE reform remains critically important to the future of the housing market and the U.S. economy. The GSEs must provide a steady and reliable source of funding for home mortgage lending for lenders of all sizes and through all economic cycles. This is particularly critical to maintaining liquidity when the markets are experiencing financial stress. 

The Federal Home Loan Banks

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.

Agriculture and Rural America

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

Enhanced Data, Cyber and Payment Card Security (Data Security)

Enhanced security standards should be enforced through a tiered system where the more restrictive rules and are imposed on the largest and most critical members of the financial system and economy where their lapses pose the greatest threat to the largest number of consumers. Core data security principals in standards enacted by legislation and regulations must include the complete cost of data breaches being borne by that party that caused the breach; all participants should be subject to verifiable Gramm-Leach-Bliley Act-like data security standards; and any new data security standard proposals should ensure that community banks are not overburdened with redundant standards. 

Consumer Financial Protection Bureau Reform and Meaningful Exemptions for Community Banks 

Regulations promulgated by the CFPB must provide community banks with the flexibility to meet the needs of its customers and they must not be burdened with additional and unnecessary regulatory requirements that would prevent them from serving their customers and communities.  A one-size-fits-all approach to CFPB regulations harms the successful community bank business model. 

In reforming the CFPB, the single Director governance should be replaced by a five-member board or commission; a broader definition of firms that grant credit should be subject to the CFPB rules, 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 has the statutory authority under the Dodd-Frank Act to exempt any class of providers [community banks] or any products or services from the rules it writes, but to-date the Bureau has been far too reticent to do so.  The effective use of this authority will ensure community banks continue to be a healthy alternative to large banks and non-banks for consumers seeking to use responsible financial service providers.

The Community Bank Positions on Emerging Issues

OCC - Special Purpose Fintech National Bank (SPNBs) Fintech Charters
The Office of Comptroller of the Currency (OCC) intends to issue special purpose national banking charters to Fintech companies. Fintechs cannot have the advantages of a national bank charter with limited requirements, regulations, and liability.  

FASB - Current Expected Credit Loss Model (CECL)
Community bankers and Congress must continue to be vigilant to assure the CECL 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. 

CFPB - Customer Data Sharing
Community banks are financially sound and take great care in protecting consumer privacy. Non-bank entities must be held responsible for ensuring the safety of the customer information they are accessing and be able to satisfy the liability for any financial harm which they cause community banks and their consumers.

CFPB - Small-Dollar Consumer Lending
Appropriate action will be required, as the revised implementation of the rule unfolds to assure appropriate and responsible access to small dollar loans by consumers and to minimize any negative impact on community banks small-dollar consumer lending. 

CFPB - Small Business Data Collection
Small business lending data clearly suggests fair lending is not a problem at community banks as they treat their customers honestly and fairly. The regulatory burden of the collection and reporting requirements fall disproportionately hard on community banks, and Section 1071 should either be repealed, or community banks should be provided with a meaningful exception.

Federal Reserve - Modernize Reg CC
Fraud losses are increasing at community banks and Reg CC needs to keep pace with the technology. 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.

Finally Address the Risks of Too-Big-To-Fail Banks and Financial Firms to Protect Our Financial System, the Economy, and American Taxpayers from Future Bailouts

The financial crisis, taxpayer bail-outs, and subsequent recession was caused by the misconduct of the nations largest banks and financial firms. These megabanks have proven, at great cost to American taxpayers, that they cannot be effectively managed, supervised or disciplined. They are clearly too-big-to-change, too-big-to-fail and must be downsized.
(House, Senate, CFPB, OCC, FDIC, Federal Reserve)


Legislation and Regulation - 

Beginning Agriculturalist Lifetime Employment Act of 2021 (BALE Act (no bill number yet) (All Sections) Regarding increasing the percentage of USDA loan guarantee for beginning farmers or ranchers or socially disadvantaged farmers or ranchers (House)

H.R. 1799 - PPP Extension Act of 2021 (All Sections) Regarding extending the Paycheck Protection Program through June 30, 2021 (House and Senate)

H.R. 1977 - Enhancing Credit Opportunities in Rural America Act (ECORA) (All Sections) Regarding exempting from taxes interest earned on loans from farm real estate and rural mortgage loans (House and Senate)

H.R. 1996 - SAFE Act (All Sections) Regarding safe harbor for banks that choose to provide financial services to cannabis related businesses (House)


Letters -

Comment Letter to the Consumer Financial Protection Bureau (CFPB) regarding: Consumer Access to Financial Records - Docket No CFPB-2020-0034 and RIN 3170-AA78 (CFPB)

Comment Letter to the Federal Reserve regarding: Community Reinvestment Act - Advance Notice of Proposed Rulemaking - Docket No. R-1723 and RIN 7100-AF94 (Federal Reserve House, Senate, OCC, FDIC)


Action Alerts -

Action Alert regarding fixes to the Paycheck Protection Program (PPP) including - small businesses not being able to borrow up to the maximum first round draw amount, in spite of a legislative rule change for the second round, because the small business had been granted first round PPP forgiveness; small businesses with modest shortfalls in using first draw dollars should be eligible for second draw loans; and self-employed farmers and ranchers should be permitted to use the gross income method so they have access to the PPP (House and Senate)

Action Alert regarding cosponsoring H.R. 1977 - Enhancing Credit Opportunities in Rural America Act (ECORA) which exempts from taxes interest earned on loans from farm real estate and rural mortgage loans (House and Senate)


Miscellaneous -

Potential reintroduction of legislation to exempt community banks from taxation on income from small dollar amount small business and agriculture loans to begin to provide parity with Farm Credit lenders and credit unions (Senate)
The OCCs approval of the conversion of Anchorage Trust Company to become Anchorage Digital Bank (OCC)

Paycheck Protection Program (PPP) CBAI member polling results (House, Senate, CFPB, OCC, FDIC, Federal Reserve)

Paycheck Protection Program (PPP) issue with small businesses not being able to borrow up to the maximum first round draw amount, in spite of a legislative rule change for the second round, because the small business had been granted first round PPP forgiveness (House, Senate, CFPB, OCC, FDIC, Federal Reserve)

US Postal Service banking, Farm Credit System lending preferential treatment and unfair competition with community banks, and fraud in the Paycheck Protection Program (PPP) lending - SBA IG Report (Number 20-21) and Bloomberg Businessweek headline PPP Scammers Made Fintech Companies Their Lenders of Choice (Senate)

US Postal Service banking (House)

Paycheck Protection Program (PPP) - ramping the reduction in gross receipts (versus all or nothing) to enable more small business borrowers to qualify for the second round of PPP funding (House)

Closing the Industrial Loan Company (ILC) regulatory loophole for consolidated supervision by the Federal Reserve of ILC parent holding companies ((Federal Reserve House, Senate, OCC, FDIC)

Credit Unions - challenging their tax exemption and unfair competition with community banks (House and Senate)

Small-dollar consumer lending - opportunities and challenges (House)","Consumer Financial Protection Bureau (CFPB),Federal Deposit Insurance Corporation (FDIC),Federal Reserve System,HOUSE OF REPRESENTATIVES,Office of the Comptroller of the Currency (OCC),SENATE",,60000,0,0,2021-04-13T15:15:27.460000-04:00
2594462,33aa9e84-73e3-41b5-9478-b910d813b9cc,Q1,"KOUNTOUPES DENHAM CARR & REID, LLC",320918,CCIA (CONSUMER CREDIT INDUSTRY ASSOCIATION),2021,first_quarter,BAN,Issues related to the regulation of insurance products and voluntary protection products.,,20000,,0,0,2021-04-13T15:52:50.437000-04:00
2594510,bfaee0d6-16b0-4136-8c6f-c5b3265f2229,Q1,RICH FEUER ANDERSON,84775,"SWIFT, INC.",2021,first_quarter,BAN,Imposition of sanctions on financial messaging services with respect to institutions in other countries.,"HOUSE OF REPRESENTATIVES,SENATE",60000,,0,0,2021-04-13T16:35:44.050000-04:00
2594533,905d65cb-22bb-4546-b544-ae5b3676046f,Q1,RICH FEUER ANDERSON,84775,LONDON STOCK EXCHANGE GROUP PLC,2021,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,,0,0,2021-04-13T16:54:03.080000-04:00
2594572,8bc5a653-7fb2-4afa-8d22-aa0449a55beb,Q1,NETWORK BRANDED PREPAID CARD ASSOCIATION,401103192,NETWORK BRANDED PREPAID CARD ASSOCIATION,2021,first_quarter,BAN,"I. Consumer Financial Protection Bureau:
a. Final Rule and Amendments: Prepaid Accounts under the Electronic Fund Transfer Act
(Regulation E) and the Truth In Lending Act (Regulation Z)

II. FDIC
a. Frequently Asked Questions on Identifying, Accepting, and Reporting Brokered Deposits

III. Congress
a. Distribution of relief payments for individuals, FedAccounts, and postal banking

IV. Department of the Treasury & IRS
a. Distribution of relief payments for individuals (Economic Impact Payments)

V. Federal Reserve Board of Governors
a. Regulation II (Debit Card Interchange Fees and Routing)","Consumer Financial Protection Bureau (CFPB),Federal Deposit Insurance Corporation (FDIC),Federal Reserve System,HOUSE OF REPRESENTATIVES,Internal Revenue Service (IRS),SENATE,Treasury, Dept of",,60000,0,0,2021-04-13T17:15:31.740000-04:00
2594725,1213d307-45b4-4df1-84a5-7b6fb17c50aa,1A,DIROMA ECK & CO. LLP,401105820,CHAINALYSIS INC.,2021,first_quarter,BAN,Advocating for increased use of blockchain technology and funding to pursue illicit financial activity through the exploitation of cryptocurrencies.,"HOUSE OF REPRESENTATIVES,SENATE",40000,,0,0,2021-04-13T21:33:19.730000-04:00
2595031,7ed921f8-732b-4ae2-9215-5cb6e4f26f44,Q1,NATIONAL ASSOCIATION OF WHOLESALER-DISTRIBUTORS,27230,NATIONAL ASSOCIATION OF WHOLESALER-DISTRIBUTORS,2021,first_quarter,BAN,"S.563 + HR.1729, Fair Access to Banking Act","Equal Employment Opportunity Commission (EEOC),Federal Motor Carrier Safety Administration,Federal Trade Commission (FTC),General Services Administration (GSA),HOUSE OF REPRESENTATIVES,Justice, Dept of (DOJ),Labor, Dept of (DOL),Natl Labor Relations Board (NLRB),Occupational Safety & Health Administration (OSHA),SENATE,Transportation, Dept of (DOT),Treasury, Dept of",,165825,0,0,2021-04-14T11:56:43.240000-04:00
2595218,af1943a5-6508-4ed8-a178-2e692628eee2,Q1,"SOBBA PUBLIC, LLC",316797,"VIRTU FINANCIAL, LLC",2021,first_quarter,BAN,issues related to market making of securities and derivatives,"Agriculture, Dept of (USDA),Commodity Futures Trading Commission (CFTC),HOUSE OF REPRESENTATIVES,Securities & Exchange Commission (SEC),SENATE,Treasury, Dept of",40000,,0,0,2021-04-14T13:39:22.827000-04:00
2595222,388f8520-7c3f-4a6a-b2ea-eeaa22ca9e08,Q1,"SOBBA PUBLIC, LLC",316797,CBOE GLOBAL MARKETS,2021,first_quarter,BAN,issues related to exchange trading of securities and derivatives,"Commodity Futures Trading Commission (CFTC),Securities & Exchange Commission (SEC),Treasury, Dept of",20000,,0,0,2021-04-14T13:43:23.893000-04:00
2595237,38e57fc7-495d-4015-9e06-ead64a4055f7,Q1,"SOBBA PUBLIC, LLC",316797,"ATMOSPHERE I, LLC, FORMERLY IGNEIO, LLC",2021,first_quarter,BAN,issues related to the blockchain and crypto currencies,"Commodity Futures Trading Commission (CFTC),Federal Reserve System,Financial Crimes Enforcement Network (FinCEN),Securities & Exchange Commission (SEC),Treasury, Dept of",30000,,0,0,2021-04-14T13:47:25.913000-04:00
2595517,b11d2585-7bd5-4db8-a19c-78241cf71c4f,Q1,REAL ESTATE ROUNDTABLE,28435,REAL ESTATE ROUNDTABLE,2021,first_quarter,BAN,"GSE Reform Housing Bills 
Dodd Frank - Wall Street Reform and Consumer Protection Act 
Dodd Frank Regulations (Volker Rule, Credit Risk Retention, OTC Derivatives) H.R. 4620, S. 2155
Basel III, Liquidity Coverage Ration, HVCRE Rule, S. 2155 
Terrorism Risk Insurance 
Flood Insurance (NFIP Reauthorization) 
CFIUS Reform (FIRRMA) 
Beneficial Ownership, Bank Secrecy Act (BSA) 
Cyber Security (H.R. 3776, H.R. 3359) 
Current Expected Credit Losses (CECL) 
Cannabis Issues, Safe Banking Act (H.R. 1595) 
LIBOR Reform 
Pandemic Risk Insurance Act 
Workplace Recovery Act 
Mark to Market Accounting 
Federal Reserve Credit Facilities 
Forbearance Issues 
TALF 
Main Street Lending Program 
CARES Act 
Stimulus Legislation 
Liability Reform 
Troubled Debt Restructuring (TDR) 
Improving Corporate Governance Through Diversity Act (H.R. 1277, S.374)","Commerce, Dept of (DOC),Commodity Futures Trading Commission (CFTC),Director of National Intelligence (ODNI),Energy, Dept of,Environmental Protection Agency (EPA),Federal Accounting Standards Advisory Board (FASAB),Federal Bureau of Investigation (FBI),Federal Deposit Insurance Corporation (FDIC),Federal Energy Regulatory Commission (FERC),Federal Housing Finance Agency (FHFA),Federal Reserve System,Homeland Security, Dept of (DHS),HOUSE OF REPRESENTATIVES,Housing & Urban Development, Dept of (HUD),Internal Revenue Service (IRS),Labor, Dept of (DOL),Office of the Comptroller of the Currency (OCC),Securities & Exchange Commission (SEC),SENATE,Small Business Administration (SBA),State, Dept of (DOS),Transportation, Dept of (DOT),Treasury, Dept of,White House Office",,1056891,0,0,2021-04-14T16:26:13.913000-04:00
2595623,33e1606b-8767-4c30-afb7-56b73b7e1b1f,Q1,"O'ROURKE AND ASSOCIATES, LLC",401105420,ADS ALLIANCE DATA SYSTEMS,2021,first_quarter,BAN,Issues related to regulation of credit card activities.,"HOUSE OF REPRESENTATIVES,SENATE",40000,,0,0,2021-04-14T17:11:51.440000-04:00
2595793,1a44ea5c-e7e1-49a3-af1c-e82cef367b1b,Q1,"REPUBLIC CONSULTING, LLC",401016871,WORKIVA,2021,first_quarter,BAN,Financial Transparency Act and Use of machine readable data in government reports.,"HOUSE OF REPRESENTATIVES,SENATE",60000,,0,0,2021-04-15T08:53:47.173000-04:00
2595800,2a336c23-91b1-4e57-afda-f8792141f8e8,Q1,"REPUBLIC CONSULTING, LLC",401016871,MORTGAGE BANKERS ASSOCIATION,2021,first_quarter,BAN,Issues related to GSE Reform and affordable housing.,"Federal Housing Finance Agency (FHFA),HOUSE OF REPRESENTATIVES,SENATE",30000,,0,0,2021-04-15T08:58:48.743000-04:00
2595973,e1c6109b-d3a8-46bc-90f6-5e42f52ba659,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,2021,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.

Support proposals to create a federal backstop for trade credit insurance during a pandemic.","Commodity Futures Trading Commission (CFTC),HOUSE OF REPRESENTATIVES,Risk Management Agency,Securities & Exchange Commission (SEC),SENATE,Treasury, Dept of",,560000,0,0,2021-04-15T10:59:37.507000-04:00
2596020,ebac143c-e4d6-427e-bad2-b64554c704ea,Q1,KENNETH GEAR,400384772,LEADING BUILDERS OF AMERICA,2021,first_quarter,BAN,"No bill number: SAVE Act - energy efficient home appraisals
No bill number: FHFA policy capping GSEs Product Limitations (Second homes and Investor owned properties) 
No bill number: GSE reform","Energy, Dept of,HOUSE OF REPRESENTATIVES,SENATE",125000,,0,0,2021-04-15T11:26:50.170000-04:00
2596067,17a02602-34be-4c5a-8499-95805cb729a5,Q1,"PAYPAL, INC.",401103770,PAYPAL INC,2021,first_quarter,BAN,"Issues related to AML and BSA reform and modernization
Issues related to small business lending, access to capital, online lending
Issues related to consumer credit
Issues related to money transmission and money service businesses
Issues related to digital and crypto currency
Issues related to Paycheck Protection Program","HOUSE OF REPRESENTATIVES,SENATE,Small Business Administration (SBA),Treasury, Dept of",,256400,0,0,2021-04-15T11:57:04.537000-04:00
2596355,7c0fef7f-9aa8-494e-b3a5-32498c00c94c,Q1,COUNCIL OF FHLBANKS,11060,COUNCIL OF FHLBANKS,2021,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",,280000,0,0,2021-04-15T14:22:31.650000-04:00
2596368,a38139c4-021d-4dcc-9301-42c1d2018a80,Q1,UNITED FOOD & COMMERCIAL WORKERS INTERNATIONAL UNION,39121,UNITED FOOD & COMMERCIAL WORKERS INTERNATIONAL UNION,2021,first_quarter,BAN,"Met with House and Senate staff regarding cannabis banking legislation, Secure and Fair Enforcement Banking Act (HR 1996 and S 910).","HOUSE OF REPRESENTATIVES,SENATE",,160000,0,0,2021-04-15T14:30:37.970000-04:00
2596533,20905b4d-c7af-429a-99f8-afb5ee09a29c,Q1,THE FRIEDLANDER GROUP,400535604,THE FRIEDLANDER GROUP,2021,first_quarter,BAN,"S.697 - Harriet Tubman Bicentennial Commemorative Coin Act
H.R.1842 - To require the Secretary of the Treasury to mint commemorative coins in recognition of the Bicentennial of Harriet Tubman's birth.
H.R.1179 - Iran Hostages Congressional Gold Medal Act","HOUSE OF REPRESENTATIVES,SENATE",,,0,0,2021-04-15T15:48:27.377000-04:00
2596536,aefbf3f9-327b-4308-96a6-743111afd343,Q1,"1607 STRATEGIES, LLC",401105461,BMO FINANCIAL CORP,2021,first_quarter,BAN,"Issues related to proposed rulemaking by the Federal Reserve Board for financial institutions with foreign parent companies.
Issues related to the Federal Deposit Insurance Corporation brokered deposits rulemaking.
H.R. 1799, Paycheck Protection Program (PPP) Extension Act of 2020, provisions affecting banks and their customers.","HOUSE OF REPRESENTATIVES,SENATE,Small Business Administration (SBA),Treasury, Dept of",30000,,0,0,2021-04-15T15:49:29.993000-04:00
2596545,7d45b352-6289-469f-878c-f72cc719597c,Q1,THE FRIEDLANDER GROUP,400535604,PROJECT LEGACY,2021,first_quarter,BAN,"S.697 - Harriet Tubman Bicentennial Commemorative Coin Act
H.R.1842 - To require the Secretary of the Treasury to mint commemorative coins in recognition of the Bicentennial of Harriet Tubman's birth.","HOUSE OF REPRESENTATIVES,SENATE",,,0,0,2021-04-15T15:52:35.733000-04:00
2596546,1e246559-f76a-4cf4-b76b-1c81f3d1aedf,Q1,"1607 STRATEGIES, LLC",401105461,CAPITAL ONE FINANCIAL CORPORATION,2021,first_quarter,BAN,"Issues relating to anti-money laundering and the Bank Secrecy Act, accounting standards for financial institutions, industrial loan charters, and privacy rules for financial institutions.
H.R. 1799, Paycheck Protection Program (PPP) Extension Act of 2020, provisions related to coronavirus relief affecting financial institutions and their customers.","HOUSE OF REPRESENTATIVES,SENATE,Small Business Administration (SBA),Treasury, Dept of",33000,,0,0,2021-04-15T15:52:36.230000-04:00
2596550,411784a6-df6b-43b9-9c1b-569faf688663,Q1,"1607 STRATEGIES, LLC",401105461,CROSS RIVER BANK,2021,first_quarter,BAN,"Issues related to banking and financial services including: securitization, debts, online lending, virtual currency, payments and capital markets.
Issues related to Federal Deposit Insurance Corporation rulemaking on brokered deposits.
Issues related to coronavirus relief affecting financial institutions and their customers.
H.R. 1799, Paycheck Protection Program (PPP) Extension Act of 2020, provisions related to PPP lending.","HOUSE OF REPRESENTATIVES,SENATE,Small Business Administration (SBA),Treasury, Dept of",36000,,0,0,2021-04-15T15:56:37.660000-04:00
2596552,862578a2-aff4-4d5b-8bda-0140e11fe828,Q1,"BLACKROCK FUNDS SERVICES GROUP, LLC",400534597,BLACKROCK FUNDS SERVICES GROUP LLC,2021,first_quarter,BAN,Financial Stability Issues,"Commodity Futures Trading Commission (CFTC),Executive Office of the President (EOP),Export-Import Bank of the United States (EXIM Bank),Federal Deposit Insurance Corporation (FDIC),Federal Reserve System,Federal Trade Commission (FTC),HOUSE OF REPRESENTATIVES,Labor, Dept of (DOL),Overseas Private Investment Corp (OPIC),Securities & Exchange Commission (SEC),SENATE,Treasury, Dept of",,310000,0,0,2021-04-15T16:00:38.630000-04:00
2596566,9d07b368-fa85-4f8e-9ff2-2a2a46038bd2,Q1,"1607 STRATEGIES, LLC",401105461,LIVE OAK BANKING COMPANY,2021,first_quarter,BAN,Small Business Administration 7(a) loan program and Small Business Administration lending issues.,"HOUSE OF REPRESENTATIVES,SENATE,Small Business Administration (SBA),Treasury, Dept of",5000,,0,0,2021-04-15T16:07:42.667000-04:00
2596582,6869ef5c-21b5-42c9-ab56-0f9f39f5cbed,Q1,"1607 STRATEGIES, LLC",401105461,STRUCTURED FINANCE ASSOCIATION,2021,first_quarter,BAN,"Issues affecting structured finance, the transition from LIBOR and Consumer Financial Protection Bureau actions affecting the expectations of market participants involved in securitization. Issues related to mortgage finance reform.
Issues regarding Consumer Financial Protection Bureau rulemaking concerning qualified mortgages.
Issues related to FASBs new accounting standards.","Consumer Financial Protection Bureau (CFPB),Federal Housing Finance Agency (FHFA),Federal Reserve System,HOUSE OF REPRESENTATIVES,Natl Economic Council (NEC),SENATE,Treasury, Dept of",22500,,0,0,2021-04-15T16:13:46.193000-04:00
2596700,c5ead324-0a1d-486f-a81e-9511253bf363,Q1,RICH FEUER ANDERSON,84775,MELLON FINANCIAL SERVICES CORPORATE #1 (FORMERLY BANK OF NEW YORK MELLON CORP.),2021,first_quarter,BAN,Legislation and regulation affecting custody banking.,"HOUSE OF REPRESENTATIVES,SENATE",50000,,0,0,2021-04-15T17:20:18.207000-04:00
2596816,9e79f5ab-8c96-4085-9275-abd7116359c2,Q1,RICHARD F. HOHLT,18433,FIRST REPUBLIC BANK,2021,first_quarter,BAN,All legislation related to the above issue.,"HOUSE OF REPRESENTATIVES,SENATE",15000,,0,0,2021-04-15T20:05:01.357000-04:00
2596856,0535ee7e-e8fc-44e1-a01f-5cbcb4631f98,Q1,THE DLM GROUP,313794,"GLOBAL HERITAGE ALLIANCE, INC.",2021,first_quarter,BAN,"Congressional and Executive Branch activities involving commerce of cultural items, lobbying issues, and agencies arenas.","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,,0,0,2021-04-15T23:43:17.800000-04:00
2596867,53f894ab-4004-4eed-b907-4b1c4a8f0a53,Q1,THE DLM GROUP,313794,ATADA,2021,first_quarter,BAN,"Congressional and Executive Branch activities involving commerce, executive issues, labor issues, and the activities arena.","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,,0,0,2021-04-16T00:51:20.520000-04:00
2596939,9d25175a-5fbb-45fe-ae03-9782ff28e273,Q1,"THE SMITH-FREE GROUP, LLC",35800,"EAST KENTUCKY POWER COOPERATIVE, INC.",2021,first_quarter,BAN,"Monitored discussions regarding refinancing options for rural utility service providers

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) (Conaway)","HOUSE OF REPRESENTATIVES,SENATE",30000,,0,0,2021-04-16T09:00:38.140000-04:00
2596968,e9eed133-0931-492f-824f-cf9959da809e,Q1,"THE SMITH-FREE GROUP, LLC",35800,HSBC TECHNOLOGY & SERVICES (USA) INC,2021,first_quarter,BAN,"Monitored discussions related to the inclusion of Anti-Money Laundering Act of 2020 as part of P.L.116-283, the National Defense Authorization Act of 2021.

Monitored P.L.117-2, American Rescue Plan Act of 2021 

Monitored discussions regarding climate change disclosure","HOUSE OF REPRESENTATIVES,SENATE",30000,,0,0,2021-04-16T09:25:46.090000-04:00
2596991,329d369c-584f-41b8-bf9f-ac09fe11a92b,1T,"THE SMITH-FREE GROUP, LLC",35800,BANK POLICY INSTITUTE,2021,first_quarter,BAN,Monitored issues related to the OCC's payment charter proposal and other payment systems issues.,,10000,,0,1,2021-04-16T09:33:50.613000-04:00
2597010,1695da96-80bf-4f09-882c-b477e472de53,Q1,"THE SMITH-FREE GROUP, LLC",35800,MASTERCARD WORLDWIDE,2021,first_quarter,BAN,Monitored discussions involving the FedNow program,"HOUSE OF REPRESENTATIVES,SENATE",30000,,0,0,2021-04-16T09:47:55.537000-04:00
2597118,1c8fe383-a892-4dac-a7c0-5dbb28789739,Q1,HOLLAND & KNIGHT LLP,18466,AMSCOT FINANCIAL CORPORATION,2021,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,,0,0,2021-04-16T10:32:22.703000-04:00
2597121,80771938-0cd6-469b-8a4f-c5e590d633b6,Q1,HOLLAND & KNIGHT LLP,18466,FINANCIAL OVERSIGHT & MANAGEMENT BOARD OF PUERTO RICO,2021,first_quarter,BAN,Implementation of PROMESA.,"HOUSE OF REPRESENTATIVES,SENATE",120000,,0,0,2021-04-16T10:35:23.563000-04:00
2597200,50ebed1e-f04f-4fbe-8613-bfd290b86ed8,1T,GRAYROBINSON PA,401053970,COMMUNITY FINANCIAL SERVICES ASSOCIATION OF AMERICA,2021,first_quarter,BAN,"Legislation and regulation relating to short-term lending and payday lending.
Issues regarding payment processing for payday loans.
Issues relating to Operation Choke Point. [Is this still an issue?]
Issues relating to Consumer Financial Protection Bureau proposed rulemaking on payday and other short-term loans.
Issues relating to the implementation for the Coronavirus Aid, Relief, and Economic Security Act of 2020, Public Law 116-139.","Federal Deposit Insurance Corporation (FDIC),HOUSE OF REPRESENTATIVES,SENATE",60000,,0,1,2021-04-16T10:57:43.987000-04:00
2597221,e4bb092b-3d23-4451-bdea-7b20ce15cd34,Q1,GRAYROBINSON PA,401053970,FEDERAL HOME LOAN BANK OF ATLANTA,2021,first_quarter,BAN,"Government-sponsored enterprise reform and its effect on federal home loan banks.
Housing finance reform.
Matters relating to specified recourse debt obligations of an eligible issuer (covered bonds) and their effect on federal home loan banks.
Federal Housing Finance Agency proposed rule on Federal Home Loan Bank affordable housing programs.
Issues related to the transition from LIBOR.
Issues related to banking services for cannabis-related businesses.","HOUSE OF REPRESENTATIVES,SENATE",60000,,0,0,2021-04-16T11:10:52.713000-04:00
2597226,1627e21b-4d87-487d-ac14-b144484aa1dc,Q1,"THE NICKLES GROUP, LLC",293335,SECURE PAYMENTS PARTNERSHIP,2021,first_quarter,BAN,"Issues related to competitive routing, issues related to payment standards & implementation; issues related to payments & security innovation.","HOUSE OF REPRESENTATIVES,SENATE",30000,,0,0,2021-04-16T11:14:54.360000-04:00
2597254,881b0f53-e182-4019-8221-76c15140b64c,Q1,AMERICANS FOR PROSPERITY,401103225,AMERICANS FOR PROSPERITY,2021,first_quarter,BAN,"S. 1200: SAFE Banking Act of 2019Support

S. 1919: Yes In My Backyard ActSupport

H.R. 4860: Crowdfunding Amendments ActSupport

H.R. 1595, The SAFE Banking Act of 2019Support","HOUSE OF REPRESENTATIVES,SENATE",,190000,0,0,2021-04-16T11:22:59.857000-04:00
2597405,4b866655-9f14-4cf4-b12b-49e281d7302a,1T,GRAYROBINSON PA,401053970,KASASA LTD.,2021,first_quarter,BAN,"Issues affecting financial institutions.
Issues affecting brokered deposits.","HOUSE OF REPRESENTATIVES,SENATE",45000,,0,1,2021-04-16T12:02:32.977000-04:00
2597413,6c0d1163-3dd9-438f-97b5-f754240cfad2,Q1,"STEWART STRATEGIES AND SOLUTIONS, LLC",400797392,CHARLES SCHWAB CORPORATION,2021,first_quarter,BAN,Online training platforms,HOUSE OF REPRESENTATIVES,40000,,0,0,2021-04-16T12:03:35.097000-04:00
2597470,570574f6-2f75-4d6b-b232-c8f155442d1a,Q1,STEPTOE LLP,36710,COUNCIL OF INSURANCE AGENTS AND BROKERS,2021,first_quarter,BAN,"Issues relating to financial services regulatory reform, Health Care Reform, Flood Insurance Reauthorization Reform, Safe Banking Act.","HOUSE OF REPRESENTATIVES,SENATE",40000,,0,0,2021-04-16T12:09:47.940000-04:00
2597483,69ab5122-ec7c-4822-9f20-7050a45f051b,Q1,NATIONAL ASSOCIATION OF MUTUAL INSURANCE COMPANIES,26945,NATIONAL ASSOCIATION OF MUTUAL INSURANCE COMPANIES,2021,first_quarter,BAN,"H.R.1996 - To create protections for financial institutions that provide financial services to cannabis-related legitimate businesses and service providers for such businesses, and for other purposes (Ed Perlmutter, D-CO-7) , ALL PROVISIONS
oSenate Version: S.910 - A bill to create protections for financial institutions that provide financial services to cannabis-related legitimate businesses and service providers for such businesses, and for other purposes (Jeff Merkley, D-OR) , ALL PROVISIONS","Commerce, Dept of (DOC),Federal Emergency Management Agency (FEMA),HOUSE OF REPRESENTATIVES,Housing & Urban Development, Dept of (HUD),Labor, Dept of (DOL),Natl Highway Traffic Safety Administration (NHTSA),SENATE,Treasury, Dept of,U.S. Trade Representative (USTR)",,770000,0,0,2021-04-16T12:11:51.963000-04:00
2597516,4ff6744e-4247-4882-bced-5e0298653445,Q1,GRAYROBINSON PA,401053970,NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS,2021,first_quarter,BAN,"Issues affecting credit unions generally.
COVID-19 legislative responses.
Issues related to credit union member business lending.
Issues related to the Paycheck Protection Program.","HOUSE OF REPRESENTATIVES,SENATE",20000,,0,0,2021-04-16T12:12:56.513000-04:00
2597531,19b697db-9841-4b84-93de-a120f1d91279,Q1,GRAYROBINSON PA,401053970,NATIONAL ASSOCIATION OF INDUSTRIAL BANKERS,2021,first_quarter,BAN,"Legislative activities dealing with implementation and compliance burdens under the Dodd-Frank Wall Street Reform Act & Consumer Protection Act affecting industrial banks, industrial loan companies or Morris Plan Banks.
Application of the Volcker Rule to commercially-owned banks.
FDIC approval process for insuring de novo banks.
Issues affecting brokered deposits.","Federal Deposit Insurance Corporation (FDIC),Federal Reserve System,HOUSE OF REPRESENTATIVES,Natl Economic Council (NEC),SENATE",30000,,0,0,2021-04-16T12:17:00.943000-04:00
2597622,89573f66-887a-4b25-8db4-bb47637d1ff8,Q1,STEPTOE LLP,36710,COMMERCIAL REAL ESTATE FINANCE COUNCIL,2021,first_quarter,BAN,Issues relating to banking and securities including: Commercial Real Estate Capital Market Finance - All legislation and regulation related to credit rating agency issues - Financial services regulatory reform. COVID-related loan foreclosure moratorium proposals.,"HOUSE OF REPRESENTATIVES,SENATE",40000,,0,0,2021-04-16T12:34:20.247000-04:00
2597633,50a58091-6ce3-4a06-b922-66d8fe60a8e3,Q1,INTERNATIONAL SWAPS & DERIVATIVES ASSOCIATION INC.,20050,INTERNATIONAL SWAPS & DERIVATIVES ASSOCIATION INC,2021,first_quarter,BAN,Issues related to the regulation/oversight of the OTC derivatives markets.,"Commodity Futures Trading Commission (CFTC),Federal Deposit Insurance Corporation (FDIC),Federal Reserve System,HOUSE OF REPRESENTATIVES,Securities & Exchange Commission (SEC),SENATE,Treasury, Dept of",,87018,0,0,2021-04-16T12:35:23.150000-04:00
2597640,f6c8fb9e-ee4a-4abc-8e9d-f0a98402df0a,Q1,AGVANTAGE LLC,69071,AMERICAN SOCIETY OF FARM MANAGERS AND RURAL APPRAISERS,2021,first_quarter,BAN,None this quarter,,,,0,0,2021-04-16T12:38:25.383000-04:00
2597642,33eeb961-a63d-4739-babb-0ba5db84375b,Q1,"MARSHALL & POPP, LLC",401105121,"JAZZ PHARMACEUTICALS, INC. AND ITS SUBSIDIARIES, INCLUDING GREENWICH BIOSCIENCES",2021,first_quarter,BAN,"Issues related to the definition of business of insurance, including:

*S. 910: The SAFE Banking Act.

*S.862: CLAIM Act.","Centers For Medicare and Medicaid Services (CMS),HOUSE OF REPRESENTATIVES,SENATE",60000,,0,0,2021-04-16T12:38:25.813000-04:00