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
3138301,962f5223-1033-46a1-a64f-0ec071d810a3,1T,CIBC BANCORP USA,401107394,CIBC BANCORP USA,2024,first_quarter,BAN,Discussed banking issues related to the financial services industry.,"Commerce, Dept of (DOC),HOUSE OF REPRESENTATIVES",,100000,0,1,2024-03-14T15:11:15-04:00
3138328,da969150-7842-4d91-83f6-444f53e2511f,Q1,FLORIDA BANKERS ASSOCIATION,305511,FLORIDA BANKERS ASSOCIATION,2024,first_quarter,BAN,Credit Unions,"HOUSE OF REPRESENTATIVES,SENATE",,,0,0,2024-03-20T16:20:40-04:00
3138340,a5dffe22-d4e4-4a86-a70c-bcfea7978706,Q1,KASASA,400991824,KASASA,2024,first_quarter,BAN,Banking,"Consumer Financial Protection Bureau (CFPB),Federal Deposit Insurance Corporation (FDIC),HOUSE OF REPRESENTATIVES,Office of the Comptroller of the Currency (OCC),SENATE",,,0,0,2024-03-22T13:22:26-04:00
3138551,9d9c98a0-f2bc-47bf-982a-282ce7238246,Q1,THE ROYER LAW FIRM (FORMERLY ROYER & BROOKS),33875,FEDERAL HOME LOAN BANK OF NEW YORK,2024,first_quarter,BAN,Federal Home Loan banking issues,"Federal Housing Finance Agency (FHFA),HOUSE OF REPRESENTATIVES,SENATE",60000,,0,0,2024-04-01T10:20:54-04:00
3138553,6e3e81c3-b352-4346-adca-c881b90f1b58,Q1,THE ROYER LAW FIRM (FORMERLY ROYER & BROOKS),33875,RENT-A-CENTER,2024,first_quarter,BAN,General Banking issues,"HOUSE OF REPRESENTATIVES,SENATE",50000,,0,0,2024-04-01T10:22:06-04:00
3138555,60655a56-36e1-4aa4-8e91-9ed6b2bdc3f8,Q1,THE ROYER LAW FIRM (FORMERLY ROYER & BROOKS),33875,TRADE EXCHANGE OF AMERICA,2024,first_quarter,BAN,Barter issues,,,,0,0,2024-04-01T10:23:09-04:00
3138588,8e504f43-e96a-4376-889b-241ee77be56d,Q1,"MORRISON & FOERSTER, LLP",25897,AMERICAN BANKERS ASSOCIATION,2024,first_quarter,BAN,"Privacy, cybersecurity and data breach notification.","HOUSE OF REPRESENTATIVES,SENATE",50000,,0,0,2024-04-01T11:09:47-04:00
3138619,c1c20342-6447-4bfd-9181-54714469cbc5,Q1,MARSHALL BRACHMAN,6848,ZIONS BANCORP,2024,first_quarter,BAN,support Congressional efforts to require large credit unions to become taxable monitor PPP legislation monitor legislation regarding ESG oppose the use of the USPS for banking work to mitigate proposed SEC rule on ESG monitor assessment date for FDIC insurance recapitalization,"HOUSE OF REPRESENTATIVES,SENATE",52500,,0,0,2024-04-01T11:52:07-04:00
3138637,fa46f171-543e-4c5c-9829-7d6413a8ec9a,Q1,COMMERCE BANK,400728185,COMMERCE BANK,2024,first_quarter,BAN,The Credit Card Competition Act and efforts to create a credit card interest rate cap.,"Federal Reserve System,HOUSE OF REPRESENTATIVES,SENATE",,,0,0,2024-04-01T12:18:08-04:00
3138646,a449d70c-6416-4828-bc38-6e3643aae6b1,Q1,MARSHALL BRACHMAN,6848,LOCKHEED MARTIN AERONAUTIC SECTOR,2024,first_quarter,BAN,support defense financing provisions,"HOUSE OF REPRESENTATIVES,SENATE",29695,,0,0,2024-04-01T12:41:47-04:00
3138661,88446bfc-7999-4bc5-a92e-c2ef7331a3ce,Q1,"MCKINNON GROUP, LLC, FORMERLY DOING BUSINESS AS RR&G, LLC",306135,CHARLES SCHWAB & CO INC,2024,first_quarter,BAN,Legislation with respect to federal banking and SEC regulation.,"HOUSE OF REPRESENTATIVES,Securities & Exchange Commission (SEC),SENATE",40000,,0,0,2024-04-01T13:35:28-04:00
3138782,1a8dfe3f-e35b-4ace-af2b-d50e220c978c,Q1,"OSCAR POLICY GROUP, LLC",401106013,AMERICAN COUNCIL OF INDEPENDENT LABORATORIES,2024,first_quarter,BAN,S. 1323 / H.R. 2891 - The Safe Banking Act S. 2860 - The Safer Banking Act,"HOUSE OF REPRESENTATIVES,SENATE",20000,,0,0,2024-04-01T17:18:50-04:00
3138882,3d77222f-f1e7-4b41-811b-90070fd8c447,Q1,PUBLIC CITIZEN,32362,PUBLIC CITIZEN,2024,first_quarter,BAN,"crypto legislation, opposing Grayscale petition, Security markets bills, banker pay reform, Dodd-Frank Sec. 956, FSOC-related issues including banker pay reform and artificial intelligence, HR 2799, securities deregulation, cryptocurrency regulation, artificial intelligence guardrails, House financial services bills re securities markets, securities markets.","Federal Reserve System,HOUSE OF REPRESENTATIVES,Securities & Exchange Commission (SEC),SENATE",,88000,0,0,2024-04-02T10:46:25-04:00
3138946,3f75fff5-ec02-4569-8d92-135f6e0a2cf8,Q1,BLOUNT STRATEGIC INITIATIVES,401106022,NATIONAL SHERIFF'S ASSOCIATION,2024,first_quarter,BAN,SAFE Banking Act,"HOUSE OF REPRESENTATIVES,SENATE",20000,,0,0,2024-04-02T12:20:07-04:00
3139048,6e667c41-eb60-436e-92a9-c202b0aee962,Q1,THE DLM GROUP,313794,ATADA,2024,first_quarter,BAN,AML,"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",6000,,0,0,2024-04-02T16:01:01-04:00
3139058,81569e14-3eb2-4afa-ba85-86a0fa2a1acf,Q1,THE DLM GROUP,313794,"GLOBAL HERITAGE ALLIANCE, INC.",2024,first_quarter,BAN,AML,"HOUSE OF REPRESENTATIVES,SENATE",,,0,0,2024-04-02T16:04:35-04:00
3139066,7a4c1492-e1c5-49a7-b8eb-d840fa04a9e5,Q1,THE DLM GROUP,313794,ANCIENT COIN COLLECTORS GUILD,2024,first_quarter,BAN,AML,"HOUSE OF REPRESENTATIVES,SENATE",,,0,0,2024-04-02T16:06:24-04:00
3139802,031a2776-69b9-438b-983d-bfe3e159651c,Q1,AMERICAN FINANCIAL SERVICES ASSOCIATION,2354,AMERICAN FINANCIAL SERVICES ASSOCIATION,2024,first_quarter,BAN,"legislation regarding the CFPB and regulation of the consumer credit industry, credit reporting legislation, auto lending regulations, TABS Act, CFPB Commission, and prevention of any legislation imposing rate caps","Consumer Financial Protection Bureau (CFPB),HOUSE OF REPRESENTATIVES,SENATE,Small Business Administration (SBA),White House Office",,280000,0,0,2024-04-04T13:05:56-04:00
3139860,c47a5ac5-ebf1-458d-8bea-a3bc55aecd8a,Q1,CAPSTONE NATIONAL PARTNERS,8214,CUNA MUTUAL GROUP,2024,first_quarter,BAN,federal oversight,"HOUSE OF REPRESENTATIVES,SENATE",,,0,0,2024-04-04T15:09:07-04:00
3139907,a14b5d6b-6838-4209-8b92-699ce644ee8d,Q1,TRULIEVE CANNABIS CORP.,401106042,TRULIEVE CANNABIS CORP.,2024,first_quarter,BAN,Spoke to a variety of members and staff on the issue of SAFE Banking as it relates to the cannabis industry.,"HOUSE OF REPRESENTATIVES,SENATE",,37500,0,0,2024-04-04T17:18:54-04:00
3140037,7cda0e4e-0ff1-42f0-a401-6a81c5ba9bcb,Q1,SQUIRE PATTON BOGGS,30906,NATIONAL CANNABIS ROUNDTABLE,2024,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 the Secure and Fair Enforcement (SAFE) Banking Act (H.R. 2891/S. 1323) and the Secure and Fair Enforcement Regulation (SAFER) Banking Act (S. 2860).","HOUSE OF REPRESENTATIVES,SENATE",50000,,0,0,2024-04-05T10:15:01-04:00
3140176,ea4075fb-1d43-4cbe-98e8-3a863cd493b1,Q1,INTERLINK CAPITAL STRATEGIES,401108275,TELEKOM SRBIJA,2024,first_quarter,BAN,Assisting to obtain an EXIM Bank loan or loan guarantee.,Export-Import Bank of the United States (EXIM Bank),50000,,0,0,2024-04-05T17:34:56-04:00
3140422,3e947f69-f5b0-4bd8-9379-5881ef9292ed,Q1,HOLLAND & KNIGHT LLP,18466,AMSCOT FINANCIAL CORPORATION,2024,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",90000,,0,0,2024-04-08T10:09:03-04:00
3140542,3fa158e8-9d61-4fca-b7a3-e4df222582e8,Q1,MR. STEPHEN RYAN,401106086,AMERICAN COALITION FOR TAXPAYER RIGHTS,2024,first_quarter,BAN,Issues related to tax administration and tax-time financial products; IRS tax administration issues; HRA Public Law No. 117-169 and S.4508 & HR 8368 (aka Tax Filing Simplification Act of 2022) addressed in the Inflation Reduction Act. Issues regarding IRS program described as Direct File.,"HOUSE OF REPRESENTATIVES,SENATE",20000,,0,0,2024-04-08T11:47:46-04:00
3140566,6db52b09-2955-4e2f-83c5-f7e1ead0c388,Q1,ELECTRONIC TRANSACTIONS ASSOCIATION,401103094,ELECTRONIC TRANSACTIONS ASSOCIATION,2024,first_quarter,BAN,"Digital assets, mobile payments, fraud, data security, data storage, open banking, regulatory reform, tax reporting, payments systems, cyber-security, financial services, merchant cash advances, privacy. FinCEN, Harmonizing CIP products; CFPB proposed rule, Registry of Supervised Nonbanks That Use Form Contracts To Impose Terms and Conditions That Seek To Waive or Limit Consumer Legal Protections; CFPB proposed rule, Registry of Nonbank Covered Persons Subject to Certain Agency and Court Orders; White House OSTP RFI, Digital Assets Research and Development. H.R. 1747, ""Blockchain Regulatory Certainty Act,"" H.R. 370, ""FinCEN Modernization Act of 2023,"" H.R. 556, ""21st Century Dollar Act,"" H.R. 8997, ""No SmartPay for Anti-2A Companies Act."" ""H.R. 4192, To apply the Truth in Lending Act to small business financing, and for other purposes,"" ""S. 2021, Small Business Financing Disclosure Act of 2023,"" ""S. 1934, Empowering States' Rights To Protect Consumers Act of 2023,"" ""H.R. 3881, Credit Card Competition Act of 2023,"" ""S. 1838, Credit Card Competition Act of 2023,"" ""S. 1323, SAFE Banking Act of 2023,"" ""H.R. 2891, SAFE Banking Act of 2023."" ""S. 2281, Lummis-Gillibrand Responsible Financial Innovation Act."" ""S. 2348,Payments Modernization Act of 2023."" ""S. 2335, Financial Regulatory Accountability Act of 2023."" ""S. 2355, Crypto-Asset National Security Enhancement and Enforcement Act of 2023."" ""H. Res. 604, Expressing support for blockchain technology and digital assets."" ""H.R. 4766, Clarity for Payment Stablecoins Act of 2023."" ""H.R. 4763, Financial Innovation and Technology for the 21st Century Act."" ""S. 2403, Payroll Account Guarantee Act of 2023."" ""S. 2449, Ensuring Fee-Free Benefit Transactions Act of 2023."" ""H.R. 4841, Keep Your Coins Act of 2023."" ""S. 2669, Digital Asset Anti-Money Laundering Act of 2023."" ""H.R. 5050, Cryptocurrency Accountability Act."" ""H.R. 5039, Payments Modernization Act of 2023."" ""H.R. 5032, Cease Orwellian Surveillance and Targeting Act of 2023."" ""S. 2730, Protecting Consumers from Unreasonable Credit Rates Act of 2023."" ""S. 2760, Capping Credit Card Interest Rates Act."" ""H.R. 5403, CBDC Anti-Surveillance State Act."" ""H.R. 5410, ECASH Act."" ""H.R. 5447, No Alipay Act of 2023."" ""H.R. 5472, FinCEN Oversight and Accountability Act of 2023."" ""H.R. 5485, Financial Privacy Act of 2023."" ""S. 3538, Close the Shadow Banking Loophole Act."" CFPB proposed rule; Section 1033 of Dodd-Frank Act.","Consumer Financial Protection Bureau (CFPB),Financial Crimes Enforcement Network (FinCEN),HOUSE OF REPRESENTATIVES,Office of Science & Technology Policy (OSTP),SENATE",,410000,0,0,2024-04-08T12:43:31-04:00
3140714,21cfa595-91ad-410f-a36a-d6bcba411158,Q1,THE WILLIAMS GROUP,401104049,NATIONAL BANKERS ASSOCIATION,2024,first_quarter,BAN,Legislation impacting minority depository institutions and CDFIs,"HOUSE OF REPRESENTATIVES,SENATE",45000,,0,0,2024-04-08T16:56:17-04:00
3140718,cc64e820-aae8-4bd6-83ae-8b6b589f5182,Q1,THE WILLIAMS GROUP,401104049,TRUIST,2024,first_quarter,BAN,Banking and securities reform legislation,"HOUSE OF REPRESENTATIVES,SENATE",30000,,0,0,2024-04-08T16:58:49-04:00
3140720,7ca34b00-e0f1-4650-8525-b4740a509684,Q1,THE WILLIAMS GROUP,401104049,"MUFG BANK, LTD.",2024,first_quarter,BAN,Banking reform legislation,"HOUSE OF REPRESENTATIVES,SENATE",30000,,0,0,2024-04-08T17:00:10-04:00
3140776,4b8dfbef-dc03-4378-9596-2d85e351d081,Q1,HOLLAND & KNIGHT LLP,18466,FINANCIAL OVERSIGHT & MANAGEMENT BOARD OF PUERTO RICO,2024,first_quarter,BAN,Implementation of PROMESA.,"HOUSE OF REPRESENTATIVES,SENATE",170000,,0,0,2024-04-09T06:30:51-04:00
3140779,32299bda-8662-4569-ad8c-527a7075c15a,Q1,HOLLAND & KNIGHT LLP,18466,JOINT OFFICIAL LIQUIDATOR OF SILICON VALLEY BANK CAYMAN BRANCH,2024,first_quarter,BAN,FDIC receivership of Silicon Valley Bank.,"HOUSE OF REPRESENTATIVES,SENATE",300000,,0,0,2024-04-09T06:47:26-04:00
3140884,ea6965f1-808a-495a-8cc6-d83117d80c66,Q1,"THE NICKLES GROUP, LLC",293335,"MERCHANTS PAYMENTS COALITION, INC.",2024,first_quarter,BAN,"S. 1838 / H.R. 3881 Credit Card Competition Act of 2023, issues related to swipe fees and competitive routing.","HOUSE OF REPRESENTATIVES,SENATE",60000,,0,0,2024-04-09T09:41:31-04:00
3141023,f158d4de-9d67-47ca-87e0-a8e9c64d5130,Q1,EMERGENT STRATEGIES,401104778,WELLS FARGO & COMPANY,2024,first_quarter,BAN,Monitor various banking related issues related before the U.S. Senate.,SENATE,30000,,0,0,2024-04-09T11:58:35-04:00
3141096,2f05537b-11cd-4196-a42f-0a5a4a0fcf81,Q1,ENERGY MARKETERS OF AMERICA,31281,ENERGY MARKETERS OF AMERICA,2024,first_quarter,BAN,Issues related to credit/debit interchange swipe fees,"HOUSE OF REPRESENTATIVES,SENATE",,130000,0,0,2024-04-09T14:04:59-04:00
3141187,ef0cf05e-b05b-4733-a5be-2e1299cea440,Q1,COIN CENTER INC.,401105091,COIN CENTER INC.,2024,first_quarter,BAN,Issues related to cryptocurrency technology,"Commodity Futures Trading Commission (CFTC),HOUSE OF REPRESENTATIVES,Securities & Exchange Commission (SEC),SENATE,Treasury, Dept of",,190000,0,0,2024-04-09T17:08:39-04:00
3141274,49ab990a-147b-4cfa-9aa7-dd384ed4b671,Q1,TRACTOR SUPPLY COMPANY,401106669,TRACTOR SUPPLY COMPANY,2024,first_quarter,BAN,"Issues related to Credit Card Competition Act of 2023, S.1838, and Credit Card Competition Act of 2023, HR.3881. Update House and Senate on interchange/swipe fee reform issues.","HOUSE OF REPRESENTATIVES,SENATE",,200000,0,0,2024-04-10T10:05:27-04:00
3141309,6db1a87d-c98d-402e-a0fe-b4a3c7e60c7e,Q1,BLUE MOUNTAIN STRATEGIES,401104249,SMART APPROACHES TO MARIJUANA,2024,first_quarter,BAN,Issues related to SAFE Banking Act regarding marijuana banking and investment.,SENATE,15000,,0,0,2024-04-10T11:11:43-04:00
3141592,0039f8a2-3606-4973-953b-27d07ebc86fe,Q1,"MERCURY PUBLIC AFFAIRS, LLC",70175,DELFI LABS,2024,first_quarter,BAN,related to fin tech,"HOUSE OF REPRESENTATIVES,SENATE",60000,,0,0,2024-04-10T16:57:39-04:00
3141712,02331f12-3617-4243-a699-83eadd454725,Q1,"INDIANA CHAMBER OF COMMERCE, INC.",19263,INDIANA CHAMBER OF COMMERCE INC,2024,first_quarter,BAN,Basel III Endgame,President of the U.S.,,20000,0,0,2024-04-11T09:07:06-04:00
3141719,3b82e978-2dc6-4dbe-aa7f-691c08355dd5,Q1,"NACHA, THE ELECTRONIC PAYMENTS ASSOCIATION",401103937,"NACHA, THE ELECTRONIC PAYMENTS ASSOCIATION",2024,first_quarter,BAN,"Electronic Payments, focused on ACH Payments & Faster Payments","Consumer Financial Protection Bureau (CFPB),Federal Reserve System,HOUSE OF REPRESENTATIVES,SENATE,Treasury, Dept of",,,0,0,2024-04-11T09:21:04-04:00
3141736,6dbaaa63-591b-436b-b320-689d8aa9676e,Q1,STRUCTURED FINANCE ASSOCIATION,401103239,STRUCTURED FINANCE ASSOCIATION,2024,first_quarter,BAN,"1. General issues concerning international efforts to establish ""high-quality securitization"" criteria. 2. Issues/proposals in support of equitable liquidity and capital treatment for securitizations held on bank balance sheets and bank trading books, specifically, Basel Capital and Liquidity Rules (Liquidity Coverage Ratio, the Net Stable Funding Ratio, the Fundamental Review of the Trading Book and STC capital treatment for short-term securitizations, securitization surcharge/p-factor). 3. Federal Reserves Control Proposal - Issues relating to the Feds proposed rule making on regulations relating to controlling influence over another company under the Bank Holding Company Act (BHC Act) and the Home Owners Loan Act (HOLA), that would formalize Reg Y and Reg LL frameworks for making controlling influence determinations. Specifically, SFA requests that asset-backed commercial paper (ABCP)conduits be exempted from any accounting consolidation presumption. 4. True Lender - Issues relating to repealing the Office of the Comptroller of the Currency rule issued in October 2020 that eliminates any ambiguity to when a bank is considered the true lender when extending a loan, including in the context of a bank and third-party partnership, including S.J.Res. 15. 5. Section 1062 (Certain Sales Between Grantor Trust and Deemed Owner) of the Amendment in the Nature of a Substitute to the Build Back Better Act (H.R. 5376) which would treat certain grantor trusts as separate from their owners for certain purposes. 6. LIBOR Transition - Issues related to H.R. 4616, the Adjustable Interest Rate (LIBOR) Act of 2021 and the Consolidated Appropriations Act, 2022. 7. SEC Conflicts of Interest Rule - Advocacy related to concerns regarding the rule's requirements and a push for modifications to the rule.","Federal Accounting Standards Advisory Board (FASAB),Federal Reserve System,HOUSE OF REPRESENTATIVES,Office of the Comptroller of the Currency (OCC),Securities & Exchange Commission (SEC),SENATE,Small Business Administration (SBA),Treasury, Dept of",,258149,0,0,2024-04-11T09:43:01-04:00
3141740,89d38445-1c36-4682-8b36-a92e13827d0a,Q1,PHILIP BECHTEL,284356,COUNCIL OF FEDERAL HOME LOAN BANKS,2024,first_quarter,BAN,Potential legislation and regulation concerning the Federal Home Loan Banks that may arise from the FHFA's FHLBank System at 100 report; legislation addressing the mission and activities of the FHLBanks including the Federal Home Loan Bank Mission Implementation Act; general FHLBank matters.,"Federal Housing Finance Agency (FHFA),HOUSE OF REPRESENTATIVES,SENATE",30000,,0,0,2024-04-11T09:57:35-04:00
3141843,ee539b4f-6247-437e-9915-5193f1885427,Q1,"ALLON ADVOCACY, LLC",401104657,YODLEE INC.,2024,first_quarter,BAN,Financial data aggregation; Section 1033 of the Dodd-Frank Wall Street Reform and Consumer Protection Act (PL 111-203); Prudential regulatory third-party vendor risk management.,"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",70000,,0,0,2024-04-11T11:37:01-04:00
3141849,cff22d8f-c6ec-433f-bc34-b50b5d3e6d94,Q1,"ALLON ADVOCACY, LLC",401104657,ACHIEVE,2024,first_quarter,BAN,Issues related to consumer unsecured debt settlement.,"Consumer Financial Protection Bureau (CFPB),Federal Deposit Insurance Corporation (FDIC),Federal Trade Commission (FTC),HOUSE OF REPRESENTATIVES,Office of the Comptroller of the Currency (OCC),SENATE",50000,,0,0,2024-04-11T11:40:36-04:00
3141866,8b1c8bca-3261-449f-ab50-bba2507fea01,Q1,"ALLON ADVOCACY, LLC",401104657,"FINANCIAL DATA AND TECHNOLOGY ASSOCIATION, FORMERLY FIN'L DATA & TECH'Y ASS'N NA",2024,first_quarter,BAN,"Application of existing regulatory structure, including Regulation E, on consumer-permissioned aggregation; bank third-party vendor risk management; Issues related to Section 1033 of the Dodd-Frank Wall Street Reform and Consumer Protection Act (PL 111-203).","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,,0,0,2024-04-11T11:47:11-04:00
3141872,f73e780d-d666-4be0-8ca0-3d5397507953,Q1,"ALLON ADVOCACY, LLC",401104657,ASSOCIATION FOR CONSUMER DEBT RELIEF (FORMERLY AMERICAN ASS'N FOR DEBT RELIEF),2024,first_quarter,BAN,Issues related to consumer unsecured debt settlement.,"Consumer Financial Protection Bureau (CFPB),Federal Trade Commission (FTC),HOUSE OF REPRESENTATIVES,SENATE",70000,,0,0,2024-04-11T11:52:49-04:00
3141893,971482bb-f25d-499b-8a55-7e5b157364e8,Q1,"ALLON ADVOCACY, LLC",401104657,METHOD FINANCIAL,2024,first_quarter,BAN,Issues related to consumer-permissioned data access and implementation of Section 1033 of the Dodd-Frank Act.,"Consumer Financial Protection Bureau (CFPB),HOUSE OF REPRESENTATIVES,SENATE",30000,,0,0,2024-04-11T12:06:57-04:00
3141906,96ff2761-d671-4f79-9226-09d72e2127cb,Q1,"ALLON ADVOCACY, LLC",401104657,"TRUSTLY, INC.",2024,first_quarter,BAN,"Issues related to implementation of Section 1033 of the Dodd-Frank Wall Street Reform and Consumer Protection Act, payment modernization, online banking, and consumer-permissioned data access.","Consumer Financial Protection Bureau (CFPB),Financial Crimes Enforcement Network (FinCEN),HOUSE OF REPRESENTATIVES,SENATE",10000,,0,0,2024-04-11T12:14:33-04:00
3142102,a5a862f2-419b-49e7-8db4-5d49d23a448a,Q1,AMERICAN SECURITIES ASSOCIATION,401105885,AMERICAN SECURITIES ASSOCIATION,2024,first_quarter,BAN,"- S. 2230/H.R. 4551, Protecting Investors Personally Identifiable Information Act - Issues related to blockchain and cryptocurrency regulation - Issues related to the Financial Data Transparency Act (included as part of Public Law 117-263)","HOUSE OF REPRESENTATIVES,Securities & Exchange Commission (SEC),SENATE,Treasury, Dept of",,90000,0,0,2024-04-11T16:19:44-04:00
3142171,077da668-5ea9-4462-b7f1-f89ec4bb6ebd,Q1,9TH STREET STRATEGIES,401107899,BANK POLICY INSTITUTE,2024,first_quarter,BAN,Issues related to bank capital,"HOUSE OF REPRESENTATIVES,SENATE",20000,,0,0,2024-04-11T17:06:54-04:00
3142179,16135c1a-f6ac-48b3-9ef8-76cf508e7c8e,Q1,9TH STREET STRATEGIES,401107899,FORBRIGHT BANK,2024,first_quarter,BAN,Issues related to alternative energy financing,"HOUSE OF REPRESENTATIVES,SENATE",40000,,0,0,2024-04-11T17:10:39-04:00
3142325,90cd7b4b-014a-4c84-91e9-2e180652145f,Q1,RICH FEUER ANDERSON,84775,BLACKROCK FUNDS SERVICES GROUP LLC (FORMERLY BLACKROCK CAPITAL MANAGEMENT INC.),2024,first_quarter,BAN,Regulation of asset management products and activities.,"HOUSE OF REPRESENTATIVES,SENATE",60000,,0,0,2024-04-12T09:44:40-04:00
3142441,aac4a107-23fe-4656-8912-b7a951e45664,Q1,"DC STRATEGIES GROUP, LLC",400683034,COWEN GROUP,2024,first_quarter,BAN,Capital Formation for Small and Middle Market Companies,"HOUSE OF REPRESENTATIVES,Securities & Exchange Commission (SEC),SENATE,Treasury, Dept of",60000,,0,0,2024-04-12T11:11:34-04:00
3142564,2036bac7-a96a-4206-b711-de44f804f4fd,Q1,HOGAN LOVELLS US LLP,18422,CORPORATION SERVICES COMPANY,2024,first_quarter,BAN,U.S. cybersecurity strategy,"HOUSE OF REPRESENTATIVES,SENATE",20000,,0,0,2024-04-12T12:01:44-04:00
3142572,a5525384-a1e1-4a47-a230-341429189687,Q1,RICH FEUER ANDERSON,84775,APPRAISAL INSTITUTE,2024,first_quarter,BAN,"Regulation of appraisers, including potential legislation to modernize the appraisal regulatory structure.","HOUSE OF REPRESENTATIVES,SENATE",30000,,0,0,2024-04-12T12:04:46-04:00
3142575,f2c2eb1f-836f-428c-b4e3-0f0e4fd6b358,Q1,RICH FEUER ANDERSON,84775,"SWIFT, INC.",2024,first_quarter,BAN,Imposition of sanctions on financial messaging services with respect to institutions in other countries. Issues related to central bank digital currencies.,"HOUSE OF REPRESENTATIVES,SENATE",60000,,0,0,2024-04-12T12:07:35-04:00
3142585,75a18427-6fc4-45f7-8fe6-b81fc034bc4c,Q1,"THE GEO GROUP, INC.",300594,"THE GEO GROUP, INC.",2024,first_quarter,BAN,"Issues related to the availability of banking services for federal contractors (FDIC Act of 2023, S. 583). Note: GEOs government relations activities are focused on educating about the delivery of residential care in secure facilities and processing centers, as well as the provision of evidence-based rehabilitation and community reentry programs through the GEO Continuum of Care. GEO has been a trusted service provider to the federal government for over 30 years. GEO does not advocate for or against whether to criminalize behavior, the length of criminal sentences or the basis for or length of an individuals incarceration or detention.",SENATE,,340000,0,0,2024-04-12T12:10:35-04:00
3142612,f50f75b0-900b-445b-8631-c59d4273e312,Q1,LAVENDER CONSULTANTS,401104727,ONLINE LENDERS ALLIANCE,2024,first_quarter,BAN,CFPB Small Dollar Lending Rule Fintech Charter True Lender Legislation Valid When Made Legislation Dodd-Frank Section 1071,"HOUSE OF REPRESENTATIVES,SENATE",30000,,0,0,2024-04-12T12:30:46-04:00
3142614,19a4f490-802e-45bd-bb9b-7ded637d5712,Q1,LAVENDER CONSULTANTS,401104727,"ENOVA INTERNATIONAL, INC",2024,first_quarter,BAN,CFPB Small Dollar Lending Rule Fintech Charter Valid When Made Legislation True Lender Legislation Truth In Lending Act for Small Business Lending,"HOUSE OF REPRESENTATIVES,SENATE",50000,,0,0,2024-04-12T12:31:49-04:00
3142754,a31c2b94-5221-42db-8ba5-4c2b8d5ec886,Q1,TIBER CREEK GROUP,20744,COMMERCIAL REAL ESTATE FINANCE COUNCIL,2024,first_quarter,BAN,Monitoring legislative proposals affecting the regulation of financial services.,"HOUSE OF REPRESENTATIVES,SENATE",50000,,0,0,2024-04-12T14:13:36-04:00
3142757,48bf842c-39d1-4d6d-a7ad-87dcab16b61e,Q1,TIBER CREEK GROUP,20744,DEUTSCHE BANK USA (FKA DEUTSCHE BANK SECURITIES INC.),2024,first_quarter,BAN,Monitoring legislative proposals affecting the regulation of financial services; Monitor issues related to the regulation of foreign banks.,"HOUSE OF REPRESENTATIVES,SENATE",60000,,0,0,2024-04-12T14:18:39-04:00
3143167,1c399978-f8d2-43c2-a652-9331f40ae590,Q1,TIBER CREEK GROUP,20744,MASTERCARD,2024,first_quarter,BAN,"Issues related to payments innovation and open banking - Dodd-Frank Wall Street Reform and Consumer Protection Act (PL 111-203); Issues related to digital payments; Issues related ot digital assets; Issues related to financial inclusion; Issues related to CDFIs and MDIs; Issues related to small business development; S. 1838 / H.R. 3881 - Credit Card Competition Act, Issues related to interchange, cost of acceptance, debit interchange price controls, and routing mandates for credit cards; Issues related to payments tokenization and card security; Issues related to antitrust reform; Issues related to data privacy: H.R. 1165 - Data Privacy Act of 2023; Issues related to global payment standards, merchant category codes (MCCs), and special category merchants; Further Consolidated Appropriations Act, 2024 (PL 118-47).","Executive Office of the President (EOP),HOUSE OF REPRESENTATIVES,SENATE",80000,,0,0,2024-04-12T18:13:57-04:00
3143171,21fd83be-8938-4419-9a11-01c318a6655b,Q1,TIBER CREEK GROUP,20744,UNITED SERVICES AUTOMOBILE ASSOCIATION,2024,first_quarter,BAN,Monitor S. 1838/H.R. 3881 - Credit Card Competition Act of 2023; Issues related to payments legislation and issues related to bank reform legislation; Basel III Endgame.,"HOUSE OF REPRESENTATIVES,SENATE",60000,,0,0,2024-04-12T18:15:21-04:00
3143188,ee9e77a5-6e22-4e28-b4c7-352ed4fe3090,Q1,TIBER CREEK GROUP,20744,BANK OF AMERICA CORPORATION,2024,first_quarter,BAN,General issues related to data security and privacy; General issues related to CDFI investments; Issues related to cybersecurity.,"HOUSE OF REPRESENTATIVES,SENATE",60000,,0,0,2024-04-12T18:26:52-04:00
3143292,e4b7414e-4bc5-466e-bd27-ecfb3b7b77d4,Q1,FORBES-TATE,400976792,"COALITION FOR CANNABIS POLICY, EDUCATION, AND REGULATION",2024,first_quarter,BAN,Issues pertaining to government-wide federal regulation of cannabis.,"HOUSE OF REPRESENTATIVES,SENATE",50000,,0,0,2024-04-12T19:50:19-04:00
3143309,53c68cd1-43f3-4a44-9756-7ca47c9cbb51,1T,KLEIN LAW GROUP PLLC,401106467,COALITION FOR ALT. TO LETTER OF CREDIT,2024,first_quarter,BAN,Seeking alternatives to the irrevocable standby letter of credit requirement in NTIA's Broadband Equity Access and Deployment (BEAD) program.,"Commerce, Dept of (DOC),HOUSE OF REPRESENTATIVES,Natl Telecommunications & Information Administration (NTIA),SENATE",,,0,1,2024-04-12T20:10:17-04:00
3143459,b67b4555-be15-4f8e-92f9-5cc31e4e1830,Q1,"ADVANCED POLICY CONSULTING, LLC",401103524,INVESTMENT COMPANY INSTITUTE (ICI),2024,first_quarter,BAN,"Monitoring Financial Stability Councils (FSOC) review process of asset managers as systemically important financial institutions (SIFI) and related legislation. Support e-delivery of shareholder communications. Oppose the SECs liquidity, swing pricing, and hard close proposal which would seriously harm more than 100 million Americans who use mutual funds to invest for their financial future. Support the Wagner-Meeks Amendment on closed-end funds to HR 2799 - The Expanding Access to Capital Act of 2023. Support the Lucas, Gottheimer, Foster Amendment on 403B plans to HR 2799 - The Expanding Access to Capital Act of 2023. Support the Huizenga, Auchincloss, Nickel, Steil Amendment on e-delivery to HR 2799 - The Expanding Access to Capital Act of 2023.","HOUSE OF REPRESENTATIVES,SENATE",20000,,0,0,2024-04-13T10:15:06-04:00
3143533,86840198-012f-4260-8b1c-1f7d8f0d8eae,Q1,INSTITUTE OF INTERNATIONAL BANKERS,19480,INSTITUTE OF INTERNATIONAL BANKERS,2024,first_quarter,BAN,"- S 2155, Economic Growth, Regulatory Relief, and Consumer Protection Act (PL 115-174) Implementation","HOUSE OF REPRESENTATIVES,SENATE,Treasury, Dept of",,120000,0,0,2024-04-13T13:59:40-04:00
3143563,80ed292a-f651-4f72-9456-e1214ec9696c,Q1,"CASSIDY & ASSOCIATES, INC.",8453,MEDICAL PROPERTIES TRUST,2024,first_quarter,BAN,Healthcare reform and modernization efforts,"HOUSE OF REPRESENTATIVES,SENATE",60000,,0,0,2024-04-13T15:05:30-04:00
3143657,a81d73d8-2ef9-4176-b367-2a6c485f08df,Q1,THE BRIGHTUP GROUP LLC,400419998,INTERNATIONAL HOUSEWARES ASSOCIATION,2024,first_quarter,BAN,Commercial Bankruptcy Reform Enhancements-Preferences (Sec. 547).,"HOUSE OF REPRESENTATIVES,SENATE",20000,,0,0,2024-04-13T19:59:36-04:00
3143709,a47334a2-a9f8-4fec-9fef-597457fb177a,Q1,FORBES-TATE,400976792,"BLOCK, INC",2024,first_quarter,BAN,"Issues related to digital assets, including bitcoin.","HOUSE OF REPRESENTATIVES,SENATE",30000,,0,0,2024-04-13T22:00:22-04:00
3143891,f49b9a5e-2e4e-48f0-a53e-d4aad6f8815e,Q1,FORBES-TATE,400976792,"ACTIVEHOURS INC., D/B/A EARNIN",2024,first_quarter,BAN,Issues related to banking and consumer protection legislation.,"HOUSE OF REPRESENTATIVES,SENATE,Treasury, Dept of",50000,,0,0,2024-04-14T12:01:35-04:00
3143910,30b9f06b-cc6e-4de0-aa8a-9e1b7d29f5ad,Q1,HOLLAND & KNIGHT LLP,18466,"BALCONY TECHNOLOGY GROUP, INC.",2024,first_quarter,BAN,Monitoring legislation relevant to digital assets and blockchain technologies; Monitoring government contracting opportunities to tokenize public/private real estate on blockchain.,"HOUSE OF REPRESENTATIVES,SENATE",30000,,0,0,2024-04-14T12:11:44-04:00
3143913,d460be1f-e862-427c-8884-83fb7b48faa0,Q1,HOLLAND & KNIGHT LLP,18466,"AVA LABS, INC.",2024,first_quarter,BAN,"Educating targeted House & Senate Members and staff regarding issues including blockchain, decentralized finance, digital coins and assets and related issues; H.R.3572 - Securities Clarity Act; H.R.2743/S.293 - Fair Access to Banking Act; discussion drafts on stablecoin and market structure reform legislation; H.R.1747 - Blockchain Regulatory Certainty Act; H.R.4763 - Financial Innovation and Technology for the 21st Century Act.","HOUSE OF REPRESENTATIVES,SENATE",50000,,0,0,2024-04-14T12:16:23-04:00
3144078,884a5a17-9c28-48da-8ddc-33febfb9ee88,Q1,"THE PETRIZZO GROUP, INC.",305932,"BLACKROCK FUND SERVICES GROUP, LLC",2024,first_quarter,BAN,Issues related to financial services policy.,"HOUSE OF REPRESENTATIVES,SENATE",45000,,0,0,2024-04-14T18:19:14-04:00
3144117,923fb6e9-51b0-4eaf-831e-2c2ece02e7a9,Q1,FORBES-TATE,400976792,SORARE SAS,2024,first_quarter,BAN,Issues related to non-fungible tokens (NFTs) and blockchain technology.,"HOUSE OF REPRESENTATIVES,SENATE,Treasury, Dept of",30000,,0,0,2024-04-14T19:55:18-04:00
3144191,7e879928-801a-4999-a9ac-1cfe0bf905fe,Q1,FORBES-TATE,400976792,ANYWHERE REAL ESTATE INC.,2024,first_quarter,BAN,"Issues related to the business of real estate, home ownership, antitrust, privacy, cyber.","HOUSE OF REPRESENTATIVES,SENATE",50000,,0,0,2024-04-14T21:13:08-04:00
3144297,250fd312-321c-4e46-b5cb-467705bbaff7,Q1,HOLLAND & KNIGHT LLP,18466,"RIOT PLATFORMS, INC. (F/K/A RIOT BLOCKCHAIN, INC.)",2024,first_quarter,BAN,Advocacy on behalf of Bitcoin mining and education on bitcoin ecosystem.,"HOUSE OF REPRESENTATIVES,SENATE",80000,,0,0,2024-04-15T06:08:33-04:00
3144345,afdd12b9-eec9-4bfe-8ac8-96c53c1ec3ea,Q1,"THE NORMANDY GROUP, LLC",306636,ASSOCIATION OF MILITARY BANKS OF AMERICA,2024,first_quarter,BAN,Promoted Military Banking Improvement ACt,"HOUSE OF REPRESENTATIVES,SENATE",,,0,0,2024-04-15T08:16:05-04:00
3144427,ff6527d0-1326-4f5a-9eb6-da872a8758ce,Q1,HOLLAND & KNIGHT LLP,18466,AMERICAN LAND TITLE ASSOCIATION,2024,first_quarter,BAN,Working with the title insurance industry in connection with housing & title matters.,"HOUSE OF REPRESENTATIVES,Housing & Urban Development, Dept of (HUD),SENATE",80000,,0,0,2024-04-15T08:55:41-04:00
3144430,96810943-b506-4a4b-92f4-0c2b570fa7dd,1T,ACG ANALYTICS,401104741,AMERICAN TRADE ASSOCIATION FOR CANNABIS & HEMP,2024,first_quarter,BAN,Cannabis/hemp issues and the banking industry.,"HOUSE OF REPRESENTATIVES,Justice, Dept of (DOJ),SENATE,Treasury, Dept of",10000,,0,1,2024-04-15T08:56:56-04:00
3144431,7be2ab44-2e88-4388-b9d4-8f41c2a4f6f2,Q1,HOLLAND & KNIGHT LLP,18466,THE US CANNABIS ROUNDTABLE F/K/A NATIONAL CANNABIS ROUNDTABLE,2024,first_quarter,BAN,S.2860 - The Secure and Fair Enforcement Regulation Banking Act (SAFER Banking Act).,"HOUSE OF REPRESENTATIVES,SENATE",30000,,0,0,2024-04-15T09:00:26-04:00
3144434,af9c93c3-7526-4c43-a9ec-1e9e393163c7,1T,ACG ANALYTICS,401104741,"CHIA NETWORK, INC.",2024,first_quarter,BAN,Regulatory and legislative issues regarding sustainability and compliance in the cryptocurrency space.,"HOUSE OF REPRESENTATIVES,SENATE",,,0,1,2024-04-15T09:02:57-04:00
3144455,68cac7e2-0310-421d-88a7-c28670349b8e,Q1,RICH FEUER ANDERSON,84775,"SOCIAL FINANCE, INC.",2024,first_quarter,BAN,"Regulation of online lenders, including potential national charters, application of banking regulations, and securitization of student loans. Issues related to banking and fintech policy.","HOUSE OF REPRESENTATIVES,SENATE",60000,,0,0,2024-04-15T09:43:23-04:00
3144471,928bd157-fc24-4cc3-b00d-d18a153dc3b6,Q1,RICH FEUER ANDERSON,84775,MELLON FINANCIAL SERVICES CORPORATE #1 (FORMERLY BANK OF NEW YORK MELLON CORP.),2024,first_quarter,BAN,Legislation and regulation affecting custody banking.,"HOUSE OF REPRESENTATIVES,SENATE",50000,,0,0,2024-04-15T09:46:02-04:00
3144480,268407e1-3c5e-413b-9ad6-e35617c57912,Q1,RICH FEUER ANDERSON,84775,AMERICAN EXPRESS COMPANY,2024,first_quarter,BAN,"Legislation and regulation affecting prudential bank regulatory issues and payment systems. Legislation regarding cybersecurity, privacy, and incident reporting.","HOUSE OF REPRESENTATIVES,SENATE",50000,,0,0,2024-04-15T09:51:08-04:00
3144511,edbf70eb-3965-4a38-a156-7785b384e7b7,Q1,SHOPIFY INC,401106080,SHOPIFY INC,2024,first_quarter,BAN,"Issues related to competition in the market for credit card routing, including support for H.R. 3881 / S. 1838, the Credit Card Competition Act of 2023.","Executive Office of the President (EOP),HOUSE OF REPRESENTATIVES,SENATE",,200000,0,0,2024-04-15T10:06:10-04:00
3144755,6b4380c0-68a0-4f4f-80a6-cd383a684c04,Q1,TIBER CREEK GROUP,20744,COMMITTEE ON CAPITAL MARKETS REGULATION,2024,first_quarter,BAN,"Issues related to financial regulation, market structure, capital formation and digital assets; Issues related to SEC rulemakings; Issues related to stock buybacks; Issues related to greater investor access to private equity; Issues related to bank failures and oversight of bank regulation; Issues related to bank capital proposals; issues related to lender of last resort and the Federal Reserve Discount Window.","HOUSE OF REPRESENTATIVES,SENATE,Treasury, Dept of",10000,,0,0,2024-04-15T12:25:52-04:00
3144806,66d34dec-7655-4549-8a3e-ff1732d00c08,Q1,M&T BANK CORPORATION,401104858,M&T BANK CORPORATION,2024,first_quarter,BAN,"Small Business lending, Fraud, S.1838, Credit Card Competition Act; and Bank regulation","HOUSE OF REPRESENTATIVES,SENATE",,90000,0,0,2024-04-15T12:37:59-04:00
3144817,9024c691-c0d2-43e6-92d4-f4073ec065b3,Q1,TIBER CREEK GROUP,20744,"HARLEY-DAVIDSON FINANCIAL SERVICES, INC.",2024,first_quarter,BAN,Issues related Industrial Loan Company (ILC) charters; S. 3538 - Close the Shadow Banking Loophole Act.,"HOUSE OF REPRESENTATIVES,SENATE",20000,,0,0,2024-04-15T12:41:22-04:00
3144833,4c09ddc5-bda4-44d6-9dd0-37409db81333,Q1,"KADESH & ASSOCIATES, LLC",40011081,CALIFORNIA CREDIT UNION LEAGUE,2024,first_quarter,BAN,Banking issues Credit union member - business lending Credit Union Small Business Jobs Creation Act,"HOUSE OF REPRESENTATIVES,SENATE",27000,,0,0,2024-04-15T12:44:35-04:00
3145062,0dbee7bd-384d-41b8-be22-dffecc95a826,Q1,TIBER CREEK GROUP,20744,WEX INC.,2024,first_quarter,BAN,"Issues related to Industrial Loan Companies (ILCs); S. 1838/H.R. 3881 - Credit Card Competition Act of 2023, issues related to interchange fees: S. 3538 - Close the Shadow Banking Loophole Act.","HOUSE OF REPRESENTATIVES,SENATE",50000,,0,0,2024-04-15T14:03:22-04:00
3145098,ad630399-794d-49b8-a33c-e55e928d644f,Q1,I STREET ADVOCATES,51753,PAYPAL,2024,first_quarter,BAN,financial technology policy; small business and consumer protection issue,"HOUSE OF REPRESENTATIVES,SENATE",20000,,0,0,2024-04-15T14:21:52-04:00
3145352,b2662347-a75a-47b8-aa08-db97700e18bd,Q1,COMMUNITY BANKERS ASSOCIATION OF ILLINOIS,400531588,COMMUNITY BANKERS ASSOCIATION OF ILLINOIS,2024,first_quarter,BAN,"CBAI 2023 Federal Policy Priorities - The Community Bankers Association of Illinois (CBAI) supports fair competition for financial services, tiered regulations, the separation of banking and commerce, the dual banking system/charter choice, and financial innovation; and opposes discrimination favoring certain financial service providers, banking industry consolidation, and systemic risk. Based on these guiding principles, CBAI has identified the following 2023 Federal Legislative and Regulatory Policy Priorities, which if implemented, will help community banks thrive and better serve their customers and communities. Traditional Issues, Opportunities and Concerns Additional Meaningful Regulatory Relief for Community Banks The importance of community banks cannot be overstated, and they serve their customers and communities honestly and with respect. CBAI joins the ICBA in supporting a more efficient system of rules and regulations, unbiased laws governing the financial sector, a safer and more secure business environment, and more efficient agricultural policies to support the nations economic growth and development in all parts of the country. Community Bank Position on Credit Unions and Their Expanded Powers Credit unions have long since strayed from their founding purpose of serving individuals of modest means and with a common bond. They blatantly abuse their competitive advantages and are virtually indistinguishable from tax-paying community banks. Credit union acquisitions of community banks is a recent and disturbing trend that negatively impacts all taxpayers. An exit fee should be imposed on these acquisitions. This escalation of credit unions abusing of their tax-exemption should prompt Congress to act now. This abuse is an existential threat to community banks and the communities they serve. Community Bank Position on the Farm Credit System and its Expanded Powers The Farm Credit System (FCS) has long since strayed from its founding purposes, blatantly abusing its competitive advantages against community banks. The FCS is the only GSE that competes directly with community banks. This blatant and continuing discrimination against community banks must end and FCS competitive advantages must be reined-in, and the playing field leveled for community banks. Enhanced Data, Cyber and Payment Card Security (Data Security) Enhanced security standards should be enforced through a tiered system where the more restrictive rules and are imposed on the largest and most critical members of the financial system and economy where their lapses pose the greatest threat to the largest number of consumers. Core data security principals in standards enacted by legislation and regulations must include the complete cost of data breaches being borne by that party that caused the breach; all participants should be subject to verifiable Gramm-Leach-Bliley Act-like data security standards; and any new data security standard proposals should ensure that community banks are not overburdened with redundant standards. Consumer Financial Protection Bureau (CFPB) Reform and Meaningful Exemptions for Community Banks Regulations promulgated by the CFPB must provide community banks with the flexibility to meet the needs of its customers and they must not be burdened with additional and unnecessary regulatory requirements that would prevent them from serving their customers and communities. A one-size-fits-all approach to CFPB regulations harms the successful community bank business model. In reforming the CFPB, the single Director governance should be replaced by a five-member board or commission; a broader definition of firms that grant credit should be subject to the CFPB rules, these firm should be robustly supervised and examined; and the focus of any enhanced regulation of financial products should be on the mega banks and financial firms, the unregulated shadow financial industry and emerging Fintech companies. The CFPB has the statutory authority under the Dodd-Frank Act to exempt any class of providers [community banks] or any products or services from the rules it writes, but to-date the Bureau has been far too reticent to do so. The effective use of this authority will ensure community banks continue to be a healthy alternative to large banks and non-banks for consumers seeking to use responsible financial service providers. De Novo Community Bank Formation, the Dual Banking System and Charter Choice Newly chartered (de novo) community banks are vitally important to maintaining a strong, growing, evolving and vibrant profession in the face of banking industry consolidation. Many new banks must be chartered each year to help maintain the vitality of the community banking profession. The dual banking system, where chartering and supervision is divided between the federal government and the states, is important and must be maintained. Community banks should be able to choose the banking charter that best fits their unique business model. A banking system with multi-agency (state and federal) regulators and charter choice provides the necessary checks and balances as well as improved rulemaking on complex issues. Sound Principles for Housing Government Sponsored Entity (GSE) Reform The seemingly endless and ongoing period of government ownership and control of Fannie and Freddie must come to an end. GSE reform remains critically important to the future of the housing market and the U.S. economy. Community banks depend on the GSE for direct access to the secondary market. The GSEs must provide a steady and reliable source of funding for home mortgage lending for lenders of all sizes and through all economic cycles. This is particularly critical to maintaining liquidity when the markets are experiencing financial stress. Financial Transaction Tax Tax laws should encourage and promote robust economic activity and a thriving community banking sector, not impose new bank-specific fees, punitive new levies, transaction taxes, limitations on the deductibility of expenses, revenue offsets or pay-fors that target the banking industry. Rather, there should be parity among all financial service providers; there should be tax incentives for community banks serving low- and moderate-income individuals, small businesses, and small farms; and there should be a tax credit equivalent to the cost of community bank compliance with BSA compliance. Responsible Bank Merger Activity New bank merger legislation or regulation should not apply to community banks. Rather, policymakers should seriously consider the impact on our financial system, economy, and American taxpayers by allowing the nations mega banks, which are too big and unable to fail, to become even larger and more interconnected. Current Issues, Opportunities and Concerns Bank Regulators Involvement in Resolving Reimbursement for Fraudulently Altered Returned Checks CBAIs member community banks have been experiencing a pernicious and growing problem with reimbursements for fraudulently altered checks drawn on their customers accounts. The problem can be accurately summarized as being caused by the nations largest banks and credit union, where these checks were deposited in fraudulent accounts, which is harming community banks and their customers, in addition to undermining the publics confidence in the nations banking and financial system. CBAI has urged the regulators to get involved and address this problem. Finally Address the Risks of Too-Big-To-Fail (and now Too-Big-To-Not-Completely-Insure) Banks and Financial Firms to Protect Our Financial System, the Economy, and American Taxpayers from Future Bailouts TBTF The financial crisis, taxpayer bailouts, and subsequent recession was caused by the misconduct of the nations largest banks and financial firms. These megabanks have proven, at great cost to American taxpayers, that they cannot be effectively managed, supervised or disciplined. They are clearly too-big-to-change, too-big-to-fail and must be downsized. TBTNCI The recent failures of two large banks in early 2023, and the FDIC insuring 100% of their uninsured deposits, have raised new concerns about deposit insurance and have prompted calls for broader FDIC reforms. If systemically important financial institutions (SIFIs) cause losses to the Deposit Insurance Fund (DIF) then SIFIs should be responsible for reimbursing the DIF for those losses. Legitimate Bank Service Charges and Fees are not Exploitive and Junk Fees CBAI does not support overdraft policies and practices that abuse consumers. Policymakers must accept that it is the consumers responsibility to always know their account balance and not write checks or initiate debit transactions that would overdraw their account. The cost for processing overdrafts may include returning the item or paying the overdraft which creates the equivalent of an unauthorized, unsecured, and interest-free loan. Effectively managing risks associated with overdrafts is a safety and soundness regulatory requirement. Realistic Perspective on Financial Inclusion CBAI supports government initiatives that educate consumers and encourage financial inclusion, but it is not the proper role of government to provide banking services direct to individuals either through the Federal Reserve, state-owned public banks, or the U.S. Postal Service. Providing banking services to individuals and businesses is the proper role of the private-sector banking system. Government can assist the private sector in financial inclusion efforts especially to low- and middle-income consumers, which are those most likely to be un- or underbanked. Governments Unnecessary Intrusion into Banking and Lending Which Displaces Community Banks. SBA Direct Lending Community banks and the SBA have a long, beneficial, and cooperative private sector/public sector relationship, where SBA does not compete with banks in lending to small businesses. Direct SBA lending would violate this tradition. Community banks are far superior in establishing and prudently underwriting commercial lending relationships. The SBA originating and disbursing 7(a) loans will put billions of taxpayer dollars at risk of loss. Postal Banking Postal banking is misguided and any entry of the USPS (Postal Service) into banking services is a significant government-sponsored, competitive threat to the viability of tax-paying community banks. Public Banking Public banking (i.e., publicly owned banks) is misguided and is a significant government-sponsored, competitive threat to the viability of tax-paying community banks. Responsible Regulation of Digital Assets - Cryptocurrency, Central Bank Digital Currency (CBDC), and Stablecoins The risks posed by digital assets are enormous, as well as the consequences for monetary policy, our financial system, and the banking industry (i.e., disintermediation.). They also pose threats to the privacy and security of consumers and small businesses. Of great concern is that there is no single regulator responsible for this rapidly growing sector which combines elements of currency, payments, and investments, and there is insufficient transparency and lack of accountability in this ecosystem. Policymakers must cooperate and collaborate in the development and implementation of a comprehensive approach to ensure a consistent Federal regulatory framework that does not permit digital assets to threaten the essential and highly successful business model of regulated and responsible community banks. Federal Home Loan Banks in their Comprehensive Review Most community banks are members and shareholders of their regional Federal Home Loan Bank (FHLB). The FHLBs provide short-term liquidity, long-term funding, mortgage-related products, and other financial services in order to help their members provide affordable credit to the local communities they serve. The regional structure, special functions, and unique purpose of the FHLBs must be recognized and maintained by the Federal Housing Finance Agency (FHFA). As the Administration and Congress consider reforming the housing finance system, care must be taken not to harm the FHLBs. They must remain healthy, stable, and reliable sources of funding for their members. The results of the Comprehensive Review by the FHFA should not disrupt the cooperative structure, regional nature, special functions, and the unique purposes of the FHLBanks. Reasonable Rules and Implementation Small Business Data Collection (CFPB) Small business lending data clearly suggests fair lending is not a problem at community banks as they treat their customers honestly and fairly. The regulatory burden of these collection and reporting requirements falls disproportionately hard on community banks, and community banks should be provided with meaningful exemptions in this rulemaking. Customer Data Sharing (CFPB) Community banks are financially sound and take great care in protecting consumer privacy. Non-bank entities must be held responsible for ensuring the safety of the customer information they are accessing and to be able to satisfy the liability for any financial harm which they cause community banks and their consumers. Modernizing the Community Reinvestment Act (CRA) (OCC, Federal Reserve and FDIC) The modernization of the CRA must enhance the ability of community banks to serve their communities and must not impose any additional regulatory burden. All financial service providers must be subject to the CRA to provide a complete picture of every financial institutions performance in serving their communities. A modernization of the CRA that does not encompass credit unions, Farm Credit System lenders and Fintechs (including the OCCs Special Purpose National Banks) will be a sham. Reporting Beneficial Ownership Information (FinCEN) Provisions in the NDAA in the 116th Congress shifted the burden of collecting and reporting beneficial ownership to FinCEN. This transfer must be accomplished completely and expeditiously. Safe Harbor for Banking Cannabis-Related Businesses Without taking a position on the legalization of cannabis, a safe harbor from federal sanctions for financial institutions that choose to serve legally compliant cannabis-related business in states where cannabis is legal is a matter of public safety and should be permitted. Closing the Industrial Loan Company (ILC) Regulatory Loophole ILCs represent the unacceptable mixing of banking and commerce. They pose risks to the financial system, our economy and American taxpayers. ILCs are the functional equivalent of banks and should be properly regulated. The loophole permits their holding companies from being supervised and regulated by the Federal Reserve - and must be closed. Agriculture and Rural America A vibrant rural economy is vital to Americas prosperity. The multi-year Farm Bill provided a strong safety net for farmers and ranchers including adequate price-protection programs and enhanced USDA-guaranteed farm and business loan programs. These programs must be protected from cuts or any adverse changes that would discourage farmer and rancher participation or undermine private-sector delivery. Federal Reserves Role in Payments System Improvement (FedNow Service) A fast and secure payments system is the very foundation of financial services and the economy and must be modernized. The payments system must not be monopolized by The Clearing House and its 25 large bank owners that endangered our financial system and the entire economy during the financial crisis. Community banks, small businesses and consumers must rely on the Federal Reserve to provide access to a safe and secure payments system. The Federal Reserve must be supported in its development of the FedNow Service to ensure that all participants have access to a real-time system on a fair and impartial basis. Appropriate Regulations of Fintechs and Innovation in Financial Services Financial innovation presents community banks with challenges and opportunities which they are rising to meet. Policymakers should reasonably assist community banks to prepare for this new and evolving era, not pose any unreasonable requirements, and not give fintechs any competitive advantages over community banks by subjecting them to lesser regulatory requirements. IRS Reporting Plan The various proposed IRS reporting requirements are unprecedented, misguided, raise serious concerns about government overreach, and is an invasion of their financial privacy. If implemented, they will damage the trusted and beneficial relationship between community banks and their customers. If the IRS wants to ensure greater compliance with tax laws, it can be accomplished by more appropriately using the existing tools and the wealth of information it currently possesses. Harmful Climate Risk Regulations CBAI opposes any climate change regulations that will adversely impact community banks and their ability to support their customers and communities including setting hard lending concentration limits on lending to fossil fuel or other carbon-intensive industries, stress testing or scenario analysis based on adverse climate change assumptions, and capital requirements based on climate risks. Community bankers high-contact and relationship-based lending model together with the soon-to-be-implemented Current Expected Credit Loss model, will incorporate material risk assumptions in estimating loan losses - including climate risks. Additional separate climate risk stress testing, concentration limits, and capital requirements for community banks are duplicative and unnecessary. (House and Senate) Legislation and Regulation - H.R. 3139 and S. 2371- ACRE Act of 2023 (Access to Credit for our Rural Economy Act) (All Sections), legislation that will exclude from the gross income of certain financial lending institutions, for income tax purposes, interest received on loans secured by rural or agricultural real estate (House and Senate) S.J.Res 32 - Joint Resolution nullifying the CFPBs Section 1071 - Small Business Data Collection Rule (FDIC) S. 3638 - Close the Shadow Banking Loophole Act (All Sections) to prevent large companies from gaining access to the federal safety net and escaping federal oversight and supervision and (Senate) S. 3502 and H.R. 3502 - Trigger Leads Abatement Act (All Sections) a bill to prohibit credit reporting agencies from providing a credit report not initiated by a consumer if the report is being provided on the basis that the consumer has had a credit inquiry regarding a home mortgage loan. This practice, known as producing a trigger lead, provides notice to other mortgage lenders that the consumer is seeking a mortgage loan. (Senate and House) Farm Bill - The Passage of a five-year Farm Bill with Community Bank Priorities and without FCS Expansion including higher limits on USDA guaranteed farm loans, quicker turnaround time for USDA Express loan approvals, and without and expansion of the Farm Credit System or their exemption from Dodd-Frank Section 1071 (House and Senate) H.R. 4721 - Main Street Tax Certainty Act (All Sections) legislation to make permanent the tax deduction for qualified business income. (Under current law, the deduction expires after December 31, 2025.) (House) Letters - Comment Letter to the CFPB regarding Proposed Rule - Required Rulemaking on Personal Financial Data Rights - Docket ID No. CFPB-2023-0052 and RIN 3170-AA78 (FDIC) Comment Letter to the FDIC regarding guidelines for establishing standards for corporate governance and risk management - RIN 3064-AF94 (FDIC) CBAI-led joint trades letter with the Illinois Farm Bureau, Illinois Corn Growers Association, Illinois Soybean Growers, and the Grain and Feed Association of Illinois regarding H.R. 3139 and S. 2371- The ACRE Act (Access to Credit for our Rural Economy Act) (All Sections), which is legislation that will exclude from the gross income of certain financial lending institutions, for income tax purposes, interest received on loans secured by rural or agricultural real estate (House and Senate) Comment Letter to the CFPB regarding Proposed Rule - Fees for Instantly Declined Transactions - Docket ID No. CFPB-2024-0003 and RIN 3170-AB16 (CFPB) Letter to the OCC, Federal Reserve, and FDIC regarding Check Fraud - Prompt and reasonable reimbursements from the largest banks for fraudulently altered return checks (Fraud Returns), and the largest banks opening fraud accounts into which fraud items are being deposited, including - joint supervisory guidance addressed to the largest banks for their apparent management and compliance lapses, enhanced supervision, regulation and enforcement against the largest banks for CDD and CIP compliance (OCC, FDIC, Federal Reserve, House and Senate) Action Alerts - Action Alert - Support Closing the Industrial Loan Company (ILC) Loophole. Support legislation (S. 3538) Close the Shadow Banking Loophole Act (all sections) to prevent large companies from gaining access to the federal safety net and escaping federal oversight and supervision and (Senate) Action Alert - Urge Congress to Pass Farm Bill with Community Bank Priorities and without FCS Expansion including higher limits on USDA guaranteed farm loans, quicker turnaround time for USDA Express loan approvals, and without and expansion of the Farm Credit System or their exemption from Dodd-Frank Section 1071 (House and Senate) Miscellaneous - None","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",,60000,0,0,2024-04-15T15:53:48-04:00
3145499,8e94915b-b70d-41a9-9721-4e7518f2d11e,Q1,LIVE OAK BANKING COMPANY (FORMERLY KNOWN AS LIVE OAK BANK),401104559,LIVE OAK BANK,2024,first_quarter,BAN,"- Issues related to Regulatory Capital Rule: Large Banking Organizations and Banking Organizations with Significant Trading Activity - H.R. 5860, Continuing Appropriations Act, 2024 and Other Extensions Act; H.R. 6363, Furthering Continuing Appropriations and Other Extensions Act, 2024 - Issues related to FDIC Corporate Governance Rulemaking, 12 CFR Parts 308 and 364 RIN 3064-AF94, Guidelines Establishing Standards for Corporate Governance and Risk Management for Covered Institutions With Total Consolidated Assets of $10 Billion or More","Federal Deposit Insurance Corporation (FDIC),HOUSE OF REPRESENTATIVES,SENATE",,130000,0,0,2024-04-15T16:46:38-04:00
3145683,2c812288-c15b-4828-b13e-fdbabdde28d9,Q1,"BROWNSTEIN HYATT FARBER SCHRECK, LLP",7257,WESTERN UNION,2024,first_quarter,BAN,"International remittances/ money transfers, data protection, and anti-money laundering Financial fraud Human trafficking Terrorist financing Issues related to CFIUS reform Remittance taxes BEAT provision Issues related to AML/BSA",HOUSE OF REPRESENTATIVES,60000,,0,0,2024-04-15T17:52:32-04:00
3145727,57245767-30c9-4af8-a5d7-6d4a6eba1a41,Q1,"BROWNSTEIN HYATT FARBER SCHRECK, LLP",7257,VISTA BANK,2024,first_quarter,BAN,Issues related to financing for bank expansion and Basel II issues International financing issues,"Commerce, Dept of (DOC),Defense, Dept of (DOD),Federal Reserve System,HOUSE OF REPRESENTATIVES,Office of the Comptroller of the Currency (OCC),Overseas Private Investment Corp (OPIC),State, Dept of (DOS)",90000,,0,0,2024-04-15T18:39:40-04:00
3145848,597e4313-8f59-43d3-ba0b-513b3e9c050b,Q1,ALPINE ADVISORS,401106595,"COALITION FOR CANNABIS POLICY, EDUCATION AND REGULATION",2024,first_quarter,BAN,Issues pertaining to government-wide federal regulation of cannabis,"HOUSE OF REPRESENTATIVES,SENATE",50000,,0,0,2024-04-16T06:52:21-04:00
3145875,29ae4d1f-3ce6-4781-8133-8edd4454461c,Q1,"MINDSET ADVOCACY, LLC",296271,"COURIER PLUS, INC. DBA DUTCHIE",2024,first_quarter,BAN,All matters affecting dispensary sales; Matters impacting passage SAFER Banking,"HOUSE OF REPRESENTATIVES,SENATE",30000,,0,0,2024-04-16T09:10:50-04:00
3145884,bb82f22f-dcad-4134-9f3f-d45960e5d737,Q1,BRIDGESTONE AMERICAS INC.,64576,BRIDGESTONE AMERICAS INC,2024,first_quarter,BAN,Rulemaking on credit card late fees.,Consumer Financial Protection Bureau (CFPB),,370000,0,0,2024-04-16T09:12:35-04:00
3145886,f2ad0a1b-3b8d-49ba-8a1b-11da6a094607,Q1,"MINDSET ADVOCACY, LLC",296271,CEDAR INNOVATION FOUNDATION,2024,first_quarter,BAN,"Clarity for Payment Stablecoins Act of 2023, Financial Innovation and Technology (FIT) for the 21st Century Act, Uniform Treatment of Custodial Assets Act","HOUSE OF REPRESENTATIVES,SENATE",60000,,0,0,2024-04-16T09:12:41-04:00