{"database": "lobbying", "table": "lobbying_activities", "is_view": false, "human_description_en": "where filing_period = \"second_quarter\", filing_year = 2014 and issue_code = \"BAN\" sorted by filing_year descending", "rows": [[1545411, "67d5e256-614e-47d4-86f1-96d1ca50b708", "Q2", "WHITAKER STRATEGIES (STEPHEN B. WHITAKER DBA WHITAKER SRATEGIES, FORMERLY WHITAK", 314432, "U S BANK (PREVIOUSLY FILED AS U S BANCORP)", 2014, "second_quarter", "BAN", "Collections, lockbox, and cash management services", "Agriculture, Dept of (USDA),Financial Management Service (FMS),Interior, Dept of (DOI)", 20000, null, 0, 0, "2014-06-26T11:49:34.490000-04:00"], [1545451, "9e3b29bc-b421-4758-a980-7adbc6f2ece9", "2T", "THE FRIEDLANDER GROUP", 400535604, "THE FRIEDLANDER GROUP", 2014, "second_quarter", "BAN", "To award Israeli Prime Minister with a Congressional Gold Medal", "HOUSE OF REPRESENTATIVES,SENATE", null, null, 0, 1, "2014-06-27T16:00:18.137000-04:00"], [1545469, "3f1edf8a-302d-4bd0-a75e-e873bcc0fcb9", "Q2", "BROWNSTEIN HYATT FARBER SCHRECK, LLP", 7257, "MCDONALD'S CORPORATION", 2014, "second_quarter", "BAN", "Payroll card issues before the CFPB", "Defense, Dept of (DOD),HOUSE OF REPRESENTATIVES,SENATE,Treasury, Dept of", 80000, null, 0, 0, "2014-06-27T16:23:26.363000-04:00"], [1545683, "af7f1119-4b7a-459e-8ae8-f205e52e8640", "2T", "JAKE PERRY + PARTNERS", 401029902, "THINK FINANCE, INC.", 2014, "second_quarter", "BAN", "H.R.1566, Consumer Credit Access, Innovation, and Modernization Act, issues related to online installment lending.", "HOUSE OF REPRESENTATIVES,SENATE", 20000, null, 0, 1, "2014-07-01T12:11:28.407000-04:00"], [1545690, "4c603d19-276a-464f-8a4e-d95afaa46536", "Q2", "FRANK SALINGER", 400529569, "NATIONAL ASSOCIATION OF INDUSTRIAL BANKERS", 2014, "second_quarter", "BAN", "Legislative oversight and hearings dealing with the implementation and compliance burdens stemming from enactment of the Dodd-Frank Wall Street Reform Act & Consumer Protect Act (DFA) that impact industrial banks, industrial loan companies or Morris Plan Banks. Monitoring any legislative proposals to extend the moratorium on new industrial bank applications in the Dodd-Frank Wall Street Reform and Consumer Protection Act which expired in July 2013. Hearings on any reform or [possible change to section 13 of the Bank Holding Company Act as enacted by section 619 of the DFA (commonly referred to as the\"Volcker Rule\"). Seeking congressional help in ending the de facto moratorium on new state chartered, FDIC-insured, banks.", "Federal Deposit Insurance Corporation (FDIC),HOUSE OF REPRESENTATIVES,SENATE", 30000, null, 0, 0, "2014-07-01T12:44:12.040000-04:00"], [1545691, "cf1de318-9cdb-48d3-8bf0-0017d5e475af", "Q2", "FRANK SALINGER", 400529569, "AMERICAN FINANCIAL SERVICES ASSOCIATION", 2014, "second_quarter", "BAN", "Seeking introduction of legislation to correct legislation enacted in the previous session dealing with the the extension of bank regulatory agency examination privilege to state licensed and supervised finance companies within the jurisdiction of the Consumer Financial Protection Bureau (CFPB). Presently companies in 13 states may not have the same level of statutory examination privilege. Responding to an inquiry by the Senate Aging Committee on loans made to senior citizens. Proposed (but unfilled amendment) to the Defense Authorization Act relating to loans made to armed service members.", "HOUSE OF REPRESENTATIVES,SENATE", null, null, 0, 0, "2014-07-01T12:56:13.487000-04:00"], [1545720, "04dae99d-b8f0-4796-96cf-b74835b7d443", "Q2", "FOXLEY & PIGNANELLI", 400323516, "NATIONAL ASSOCIATION OF INDUSTRIAL BANKERS", 2014, "second_quarter", "BAN", "Industrial Banks", "Federal Deposit Insurance Corporation (FDIC),HOUSE OF REPRESENTATIVES,SENATE,Treasury, Dept of", 22000, null, 0, 0, "2014-07-01T15:28:35.477000-04:00"], [1545780, "4f6922bb-ab59-47f5-91c0-d39d5856d1a1", "Q2", "NEW YORK CREDIT UNION ASSOCIATION", 29208, "NEW YORK CREDIT UNION ASSOCIATION", 2014, "second_quarter", "BAN", "business lending, capital reform, GSE reform, examination fairness, tax exemption", "HOUSE OF REPRESENTATIVES,Natl Credit Union Administration (NCUA),SENATE", null, null, 0, 0, "2014-07-02T10:35:24.027000-04:00"], [1545884, "13f7dd1b-98fd-4ff6-a414-020788fac69b", "Q2", "KASASA", 400991824, "KASASA", 2014, "second_quarter", "BAN", "Talked with FDIC and Legislators about brokered deposits.  \n\nAdditionally, we talked with Legislators about elimating of annual privacy notice and relief of examinations.  Furthermore, we discussed financial literacy concerns.", "Federal Deposit Insurance Corporation (FDIC),HOUSE OF REPRESENTATIVES,SENATE", null, 7615, 0, 0, "2014-07-02T14:20:03.957000-04:00"], [1545962, "0c01a8f1-a25a-470a-b82f-684f9118bf7f", "Q2", "COMMERCE BANK", 400728185, "COMMERCE BANK", 2014, "second_quarter", "BAN", "A variety of issues affecting the banking industry and customers of the banking industry.", "Education, Dept of,HOUSE OF REPRESENTATIVES,SENATE", null, null, 0, 0, "2014-07-02T18:03:31.980000-04:00"], [1545963, "61924e2b-4588-4d85-9e06-16d55ff13881", "Q2", "MR. PETER BARASH", 5346, "AMERICAN SOCIETY OF APPRAISERS", 2014, "second_quarter", "BAN", "Financial Services Valuation Issues", "HOUSE OF REPRESENTATIVES,SENATE", 30000, null, 0, 0, "2014-07-02T18:37:32.747000-04:00"], [1546235, "f925f2ee-4876-402e-b6b6-5f6218d499c3", "Q2", "PHILIP BECHTEL", 284356, "COUNCIL OF FEDERAL HOME LOAN BANKS", 2014, "second_quarter", "BAN", "Housing finance reform - S. 1217; H.R. 2767; Dodd-Frank implementation; covered bond legislation; Basel III implementation; H.R. 3584 - FHLBank membership for privately insured credit unions; FHFA rulemaking; general Federal Home Loan Bank matters", "Federal Deposit Insurance Corporation (FDIC),Federal Housing Finance Agency (FHFA),HOUSE OF REPRESENTATIVES,SENATE", 60000, null, 0, 0, "2014-07-07T09:35:50.503000-04:00"], [1546376, "7a2ab391-2235-4484-9441-8cd3c6103a09", "Q2", "MARSHALL BRACHMAN", 6848, "ZIONS BANCORP", 2014, "second_quarter", "BAN", "monitor Banking legislation on FHLB regarding rural infrastructure\nMonitor Banking legislation related to student loans\nSupport HR 3036 on SIFI redefinition Support HR 4060 also SIFI redefinition", "HOUSE OF REPRESENTATIVES,SENATE", 15000, null, 0, 0, "2014-07-07T12:30:51.373000-04:00"], [1546434, "0163610a-2f4f-4ad9-ac19-2870f5250897", "Q2", "THE MICHAEL LEWAN COMPANY", 22746, "GUARDIAN LIFE INSURANCE COMPANY OF AMERICA", 2014, "second_quarter", "BAN", "Dodd - Frank Implementation\nCapital Standards legislation\nTerrorism Risk Insurance legislation", "HOUSE OF REPRESENTATIVES,SENATE", 40000, null, 0, 0, "2014-07-07T13:18:07.307000-04:00"], [1546505, "cf181ad3-9e3c-4fde-b44d-3554ff1d2ae6", "Q2", "UNIVERSITY OF IOWA", 49191, "UNIVERSITY OF IOWA", 2014, "second_quarter", "BAN", "Implementation of the Higher Education Act as it relates to direct student loan - ability to consolidate loans and loan interest rates\nFederal Family Education Loan and Direct Loan programs", "Agriculture, Dept of (USDA),Centers For Medicare and Medicaid Services (CMS),Defense, Dept of (DOD),Federal Emergency Management Agency (FEMA),Health & Human Services, Dept of (HHS),Homeland Security, Dept of (DHS),HOUSE OF REPRESENTATIVES,Natl Institutes of Health (NIH),SENATE,Transportation, Dept of (DOT)", null, 85562, 0, 0, "2014-07-07T14:28:39.173000-04:00"], [1546895, "1ca264ce-5a36-45e5-8d61-bcd92b02f75b", "Q2", "HOLLAND & KNIGHT LLP", 18466, "AMSCOT FINANCIAL CORPORATION", 2014, "second_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, null, 0, 0, "2014-07-08T14:07:22.247000-04:00"], [1546998, "c147c499-964f-40ad-84eb-234d90a89461", "Q2", "FARM CREDIT BANK OF TEXAS", 14143, "FARM CREDIT BANK OF TEXAS", 2014, "second_quarter", "BAN", "Issues relating to the Federal Farm Credit System, no specific legislation.", "HOUSE OF REPRESENTATIVES,SENATE", null, 20000, 0, 0, "2014-07-08T16:07:20.670000-04:00"], [1547078, "47a61df4-9b52-4473-8911-a63f85299fb0", "Q2", "THE ROYER LAW FIRM (FORMERLY ROYER & BROOKS)", 33875, "FEDERAL HOME LOAN BANK OF NEW YORK", 2014, "second_quarter", "BAN", "No specific legislation -- issues relating to the FHLBank System, generally.", "HOUSE OF REPRESENTATIVES,SENATE", 50000, null, 0, 0, "2014-07-08T17:53:53.453000-04:00"], [1547086, "1a9570f9-3bfb-423b-bdc1-2f6454c02b06", "Q2", "THE ROYER LAW FIRM (FORMERLY ROYER & BROOKS)", 33875, "RENT-A-CENTER", 2014, "second_quarter", "BAN", "H.R. 1551 and S. 1208, The Consumer Rental Purchase Agreement Act -- all provisions as they relate to rental purchase transactions.", "HOUSE OF REPRESENTATIVES,SENATE", 50000, null, 0, 0, "2014-07-08T18:02:57.747000-04:00"], [1547197, "3720922b-9519-4137-9740-cb6c7a791069", "Q2", "GLOBAL FINANCIAL INTEGRITY", 401103130, "GLOBAL FINANCIAL INTEGRITY", 2014, "second_quarter", "BAN", "S. 1465, H.R. 3331, Incorporation Transparency and Law Enforcement Assistance Act.\nH.R. 3317, Holding Individuals Accountable and Deterring Money Laundering Act.", "HOUSE OF REPRESENTATIVES,Internal Revenue Service (IRS),Justice, Dept of (DOJ),Natl Security Council (NSC),SENATE,State, Dept of (DOS),Treasury, Dept of", null, null, 0, 0, "2014-07-09T10:07:52.200000-04:00"], [1547209, "f25e9681-cf0b-42aa-bacb-9295395fdbf0", "Q2", "CHS INC.", 286451, "CHS, INC", 2014, "second_quarter", "BAN", "End user use of derivatives and implementation of Dodd-Frank Act and MF global issue", "HOUSE OF REPRESENTATIVES,SENATE", null, 20000, 0, 0, "2014-07-09T10:23:57.397000-04:00"], [1547225, "d0cf0e75-7243-46df-9730-bd363a62c173", "Q2", "FARM CREDIT EAST, ACA (FORMERLY KNOWN AS FIRST PIONEER FARM CREDIT, ACA)", 320997, "FARM CREDIT EAST ACA (FORMERLY KNOWN AS FIRST PIONEER FARM CREDIT ACA)", 2014, "second_quarter", "BAN", "Farm Credit System; Farm Service Agency Loan Guarantee", "Agriculture, Dept of (USDA),Farm Credit Administration,Homeland Security, Dept of (DHS),HOUSE OF REPRESENTATIVES,Labor, Dept of (DOL),SENATE", null, 10000, 0, 0, "2014-07-09T10:37:02.207000-04:00"], [1547237, "57730a09-a4ac-4b45-bd15-6dd5f44f744b", "Q2", "NORTH AMERICAN EQUIPMENT DEALERS ASSOCIATION (FORMERLY KNOWN AS EQUIPMENT DEALER", 56997, "NORTH AMERICAN EQUIPMENT DEALERS ASSOCIATION (FORMERLY KNOWN AS EQUIPMENT DEALER", 2014, "second_quarter", "BAN", "Following credit issues that affect the availability of both wholesale and retail financing options.", "Agriculture, Dept of (USDA),Energy, Dept of,Environmental Protection Agency (EPA),Federal Communications Commission (FCC),Federal Motor Carrier Safety Administration,HOUSE OF REPRESENTATIVES,Internal Revenue Service (IRS),Justice, Dept of (DOJ),Natl Labor Relations Board (NLRB),Securities & Exchange Commission (SEC),SENATE,State, Dept of (DOS),Treasury, Dept of,White House Office", null, 25500, 0, 0, "2014-07-09T10:55:07.573000-04:00"], [1547245, "78d49919-85b8-47bc-8c1c-0ff702663a08", "Q2", "AMERICAN SHIPPING & LOGISTICS GROUP", 321715, "AMERICAN SHIPPING & LOGISTICS GROUP", 2014, "second_quarter", "BAN", "Export-Import Bank recharter - issues related to cargo preference laws and U.S.-flag shipping", "Defense, Dept of (DOD),HOUSE OF REPRESENTATIVES,Maritime Administration (MARAD),SENATE", null, 80000, 0, 0, "2014-07-09T10:56:08.823000-04:00"], [1547269, "b8b27bee-d470-4b2a-8804-06e740d520b2", "Q2", "COUNCIL OF NORTH AMERICAN INSULATION MANUFACTURERS ASSOCIATION (NAIMA)", 400444134, "COUNCIL OF NORTH AMERICAN INSULATION MANUFACTURERS ASSOCIATION (NAIMA)", 2014, "second_quarter", "BAN", "SAVE Act", "Environmental Protection Agency (EPA),HOUSE OF REPRESENTATIVES,Housing & Urban Development, Dept of (HUD),SENATE", null, 110000, 0, 0, "2014-07-09T11:14:17.657000-04:00"], [1547434, "54ddd210-67b6-4172-8867-dcd4d6d72bb2", "Q2", "KATE MOSS", 25988, "TRANSUNION CORPORATION", 2014, "second_quarter", "BAN", "Issues relating to CFPB, FCRA and cybersecurity", "HOUSE OF REPRESENTATIVES,SENATE", 20000, null, 0, 0, "2014-07-09T15:09:02.130000-04:00"], [1547435, "df61e364-b5d9-4853-823a-8eb2a398024d", "Q2", "KATE MOSS", 25988, "GENWORTH FINANCIAL", 2014, "second_quarter", "BAN", "Issues dealing with housing finance reform.", "HOUSE OF REPRESENTATIVES,SENATE", 20000, null, 0, 0, "2014-07-09T15:12:02.817000-04:00"], [1547441, "3461b2f0-073d-4e8c-8b15-725b2b55e904", "Q2", "KATE MOSS", 25988, "DISCOVER FINANCIAL SERVICES", 2014, "second_quarter", "BAN", "Issues dealing with credit cards, student loans & mortgage lending.", "HOUSE OF REPRESENTATIVES,SENATE", 20000, null, 0, 0, "2014-07-09T15:19:04.360000-04:00"], [1547552, "83cc055c-f33c-4bf6-91f8-10775d1b05aa", "Q2", "SAGAT/BURTON LLP", 400274269, "1ST FINANCIAL BANK USA", 2014, "second_quarter", "BAN", "Interchange Fees, Consumer Financial Protection Bureau, Credit Card Issues and Legislation, Truth and Lending Act, and Banking Re-regulation.", "HOUSE OF REPRESENTATIVES", 10000, null, 0, 0, "2014-07-09T18:04:25.593000-04:00"], [1547652, "232875e4-629e-4c7f-9fe9-6119ef957b89", "Q2", "TRANS UNION LLC", 62131, "TRANS UNION LLC", 2014, "second_quarter", "BAN", "Review credit reporting protocols concerning mortgage loans which terminate in short-sale transactions vs. those that end in a foreclosure proceeding.", "HOUSE OF REPRESENTATIVES,SENATE", null, 80000, 0, 0, "2014-07-10T10:59:10.587000-04:00"], [1547752, "106b0719-57ca-448f-bb65-e6e24101446d", "Q2", "MAYNARD NEXSEN PC", 60116, "REGIONS FINANCIAL CORPORATION", 2014, "second_quarter", "BAN", "H.R. 4060", "HOUSE OF REPRESENTATIVES,SENATE", 15000, null, 0, 0, "2014-07-10T13:35:43.980000-04:00"], [1547835, "abbd3bb0-5ab6-47af-a31c-c737095bb6ab", "Q2", "COUNCIL OF FHLBANKS", 11060, "COUNCIL OF FHLBANKS", 2014, "second_quarter", "BAN", "Housing finance reform-S.1217; H.R. 2767; Dodd-Frank implementation; covered bond legislation; Basel III implementation; H.R. 3584- FHLBank membership for privately insured credit unions; FHFA rulemaking; general Federal Home Loan Bank matters", "Federal Deposit Insurance Corporation (FDIC),Federal Housing Finance Agency (FHFA),HOUSE OF REPRESENTATIVES,SENATE", null, 162000, 0, 0, "2014-07-10T14:46:16.217000-04:00"], [1548008, "246705a5-cfe3-418e-8936-212db4e70f4f", "Q2", "JOHN T. O'ROURKE", 29937, "ALLIANCE DATA SYSTEMS", 2014, "second_quarter", "BAN", "Proposed non-bank bank legislation.\nIssues related to regulation of credit card activities.", "HOUSE OF REPRESENTATIVES,SENATE", 20000, null, 0, 0, "2014-07-10T16:51:21.167000-04:00"], [1548118, "c7141911-fd6d-486f-8a49-70c0ab01bb17", "Q2", "ALSTON & BIRD LLP", 1182, "TOUCHNET INFORMATION SYSTEMS, INC.", 2014, "second_quarter", "BAN", "Stop bank-affiliated vendors from using student aid refund-to-debit card programs to exploit students.  Contacted the Consumer Financial Protection Bureau (\"CFPB\").", "Education, Dept of,Government Accountability Office (GAO),HOUSE OF REPRESENTATIVES,SENATE", 30000, null, 0, 0, "2014-07-10T18:00:16.017000-04:00"], [1548192, "ed5429e4-b9fd-456e-bd14-2866c940217c", "Q2", "RICH FEUER ANDERSON", 84775, "APPRAISAL INSTITUTE", 2014, "second_quarter", "BAN", "Regulation of real estate appraisers and of appraisal management companies, including implementation of the \"Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010.\"  Appraisal requirements, including HR 1553, the \"Financial Institutions Examination Fairness and Reform Act, S 727, the \"Financial Institutions Examination Fairness and Reform Act,\" and S 1217, the \"Housing Finance Reform and Taxpayer Protection Act of 2013.\"", "HOUSE OF REPRESENTATIVES,SENATE", 30000, null, 0, 0, "2014-07-10T19:21:56.280000-04:00"], [1548196, "2be91f70-9e81-4ddb-86ea-a7082b4b1f88", "Q2", "RICH FEUER ANDERSON", 84775, "BIPARTISAN POLICY CENTER ADVOCACY NETWORK", 2014, "second_quarter", "BAN", "Implementation of the \"Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010,\"  including S.2270, the \"Insurance Capital Standards Clarification Act of 2014.\"", "HOUSE OF REPRESENTATIVES,SENATE", 30000, null, 0, 0, "2014-07-10T19:33:58.480000-04:00"], [1548631, "2c80de16-d6a2-42cd-9454-f58a02d3ff24", "Q2", "NATIONAL ASSOCIATION FOR COLLEGE ADMISSION COUNSELING", 54916, "NATIONAL ASSOCIATION FOR COLLEGE ADMISSION COUNSELING", 2014, "second_quarter", "BAN", "Student Loans", "Education, Dept of,HOUSE OF REPRESENTATIVES,SENATE", null, 20000, 0, 0, "2014-07-11T11:26:08.593000-04:00"], [1548809, "efadb26e-bb72-44bd-bf71-9a1043569672", "Q2", "LAWRENCE J. ROMANS & ASSOCIATES, LLC", 61072, "PRUDENTIAL FINANCIAL", 2014, "second_quarter", "BAN", "Regulations on capital standards for nondepository institutions; HR 4510, Insurance Capital Standards Clarification Act of 2014; S. 2270 Insurance Capital Standards Clarification Act of 2014", "HOUSE OF REPRESENTATIVES,SENATE", 20000, null, 0, 0, "2014-07-11T13:51:51.597000-04:00"], [1548818, "152417d4-3b97-44df-b233-185c43612548", "Q2", "LAWRENCE J. ROMANS & ASSOCIATES, LLC", 61072, "JPMORGAN CHASE & CO.", 2014, "second_quarter", "BAN", "H.R. 677, the Inter-Affiliate Swap Clarification Act; H.R. 1256, the Swap Jurisdiction Certainty Act; H.R. 1341, Financial Competitive Act of 2013; H.R. 992, the Swaps Regulatory Improvement Act; HR 4164, Restoring Proven Financing for American Employers Act; HR 4413, Consumer Protection and End User Relief Act", "HOUSE OF REPRESENTATIVES,SENATE", 20000, null, 0, 0, "2014-07-11T13:54:53.223000-04:00"], [1548820, "bf07a9cd-c72a-404f-9bf4-5714fae29d95", "Q2", "LAWRENCE J. ROMANS & ASSOCIATES, LLC", 61072, "CHARLES SCHWAB & CO INC", 2014, "second_quarter", "BAN", "Regulations on Money Market Funds; Department of Labor regulations on Fiduciary Duty for retirement plans", "HOUSE OF REPRESENTATIVES,SENATE", 30000, null, 0, 0, "2014-07-11T13:55:54.033000-04:00"], [1548944, "5a01a321-4a80-48fd-baad-e3b50c33410b", "Q2", "PARK STRATEGIES, LLC", 58432, "BETHPAGE FEDERAL CREDIT UNION", 2014, "second_quarter", "BAN", "provisions of banking and financial services by federal credit unions; supplemental capital regulations; H.R. 3993", "HOUSE OF REPRESENTATIVES,SENATE", 30000, null, 0, 0, "2014-07-11T15:21:24.440000-04:00"], [1549000, "bfedf504-de4a-41d7-8076-82e14a750e29", "Q2", "MCDERMOTT WILL & SCHULTE LLP", 24338, "AMERICAN COALITION FOR TAXPAYER RIGHTS", 2014, "second_quarter", "BAN", "Legislation and regulation related to the provision or facilitation of tax services and related financial products.", "Federal Reserve System,HOUSE OF REPRESENTATIVES,Internal Revenue Service (IRS),SENATE,Treasury, Dept of", 20000, null, 0, 0, "2014-07-11T15:59:40.503000-04:00"], [1549075, "24dd32e5-2261-4a0e-8a2b-db31b0ae5b17", "Q2", "MCDERMOTT WILL & SCHULTE LLP", 24338, "SANTA BARBARA TAX PRODUCTS GROUP", 2014, "second_quarter", "BAN", "Tax time financial products.", "HOUSE OF REPRESENTATIVES,SENATE", 20000, null, 0, 0, "2014-07-11T16:33:55.613000-04:00"], [1549099, "51973160-b978-42dd-80a0-68fa558c02bb", "Q2", "PARK STRATEGIES, LLC", 58432, "THE LOAN SYNDICATIONS AND TRADING ASSOCIATION", 2014, "second_quarter", "BAN", "regulatory issues affecting the collateralized loan obligations marketplace; modification of risk-retention requirements for CLO transactions under Dodd-Frank", "HOUSE OF REPRESENTATIVES,Securities & Exchange Commission (SEC),SENATE", 40000, null, 0, 0, "2014-07-11T17:09:01.837000-04:00"], [1549111, "3d3e88c5-7cad-4966-8e4b-0eeafbcd7ce4", "Q2", "RICH FEUER ANDERSON", 84775, "CONSUMER BANKERS ASSOCIATION", 2014, "second_quarter", "BAN", "Implementation of the \"Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010,\" including the operation of the Consumer Financial Protection Bureau.  Regulations addressing disbursement of student loan funds.  Trends in consumer credit and small business lending.", "HOUSE OF REPRESENTATIVES,SENATE,Treasury, Dept of", 30000, null, 0, 0, "2014-07-11T17:16:06.410000-04:00"], [1549131, "1f438d64-cbd4-4669-992d-1cac0c4f1cc2", "Q2", "THE COLWELL GROUP, LLC", 300435, "CASH AMERICA INTERNATIONAL, INC", 2014, "second_quarter", "BAN", "HR 990, HR 1566, HR 4660, HR 4986\n\nS 172, S 2437", "HOUSE OF REPRESENTATIVES,SENATE", 30000, null, 0, 0, "2014-07-11T18:01:17.553000-04:00"], [1549275, "af4707dc-9538-418d-ba7d-c3faa2b963c0", "Q2", "MR. DOYCE BOESCH", 400677020, "INVESTMENT COMPANY INSTITUTE", 2014, "second_quarter", "BAN", "Finance and Banking Legislation", "HOUSE OF REPRESENTATIVES,SENATE", 22500, null, 0, 0, "2014-07-13T09:41:32.707000-04:00"], [1549333, "a9a4e384-3214-4957-94dc-f0114be01e09", "Q2", "COMMUNITY BANKERS ASSOCIATION OF ILLINOIS", 400531588, "COMMUNITY BANKERS ASSOCIATION OF ILLINOIS", 2014, "second_quarter", "BAN", "Community Bankers Association of Illinois (CBAI) 2014 Federal Policy Priorities -\nDownsize too-big-to-fail banks and financial firms to protect our financial system, economy, and American Taxpayers from future bailouts - downsize (restructure) too-big-to-fail (TBTF) banks and financial firms, reduce the probability and severity of future financial crisis and taxpayer bailouts, moral hazard, numerous TBTF misdeeds (abuse, fraud, manipulation and scandal),too-big-to-manage, too-big-to-regulate, too-big-to-fail, too-big-to-prosecute, too-big-to-jail, Department of Justices reluctance to prosecute TBTFs versus community banks, and Government Accountability Offices (GAO) confirmation of TBTFs funding advantages  (House and Senate)\n\nTiered regulation supervision and exemptions for community banks - recognition of the different business model and risks posed by TBTF banks and financial firms, one size fits all legislation and regulation, separate regulation - supervision - capital - liquidity requirements, disproportionate burden on community banks, unlevel playing field, and significant community bank competitive disadvantages  \n\nIncluding, the qualifying threshold under the Federal Reserves Small Bank Holding Company Policy Statement from $500 million to $5 billion and allowing small savings and loan holding companies to be covered by the Policy Statement, the internal control attestation requirements of Section 404(b) of the Sarbanes Oxley Act from $75 million in market capitalization to $350 million, and savings and loan holding companies being able to take advantage of the increased Securities and Exchange Commission (SEC) shareholder registration and deregistration thresholds under the JOBS Act (House and Senate)\n\nCommunity bank regulatory relief as contained in the Independent Community Bankers of America Plan for Prosperity  \n\nIncluding, community bank exemption from certain mortgage reforms to support the housing recovery, redundant annual privacy notices, municipal advisor registration burdens to help serve local governments, Assistant Treasury Secretary for Community Banks, CFPBs more balanced regulations, improved accountability in bank exams with a workable appeals process, accounting and auditing expenses for publicly traded institutions, mutual bank new charter and dividend rules, rigorous and quantitative justification of new rules, additional capital for small bank holding companies, red tape in small-business lending, capital formation and reforming Subchapter S corporation regulations, and extending the net-operating-loss carry-back (House and Senate)\n\nEnhanced security for consumer data (data breaches) - responsible parties responsibility for fraud losses and the cost of mitigation, sharing of information, and a national standard for notification, community banks bearing the majority of fraud losses and reissuance costs, retailers responsibility to protect sensitive customer data (House and Senate)\n\nExpanded powers for tax-exempt credit unions - outdated original business model and straying from founding purpose, federal tax-exemption status, expansion of powers, level the playing field between community banks and credit unions, regulatory requirements including the Community Reinvestment Act (CRA) \n\nIncluding, expanded lending powers by increasing percentage of asset cap on business lending, and raising capital from outside investors (House and Senate)\n\nExpansion of the Farm Credit System - funding & tax advantages, expansionist agenda, competitive advantages over rural community banks, regulatory safeguards and controls, Co-Banks $725 million participation in commitment to Verizon Communications (House and Senate)\n\nMortgage lending reforms - imprudent lending practices, impacting responsible lenders and loan products, meeting the diverse needs of community bank customers and their communities, differences between non-traditional versus predatory lending practices, exemption of community bank mortgage loans held in portfolio, restrictions on balloon mortgages and escrow requirements, prepayment penalties, originator compensation, limited credit availability \n\nIncluding, Qualified Mortgage (QM) status from the CFPBs Ability-to-Repay rules for loans originated and held in portfolio by community banks, balloon mortgages regardless of pricing, use of rural and underserved designations for QM eligibility for community banks and greatly expanding the definition of each, annual loan origination and asset threshold limits for small creditors, small servicer exemption for loans held in portfolio, community banks exemption from escrow requirements for loans held in portfolio and for small dollar amount loans, proposed adoption of the QM definition for Qualified Residential Mortgages (QRM) that would not require a high down-payment requirement (House and Senate)Housing Finance (GSE Secondary Market) Reform - Fannie Mae/Freddie Mac/FHFA unsustainable long-term conservatorship,  community bank access to an impartial secondary market for residential mortgage loans, financial stable and reliable, government tie to secondary market (continued flow of credit and market liquidity), aggressive repurchase requests of transferred residential mortgages for technical violations \n\nIncluding, selling loans through an independent entity that does not compete with community banks, no appropriation of community bank customer data for the purpose of cross selling financial services, the Federal Home Loan Banks as a community bank access point (but not the only access point) to the national secondary market, pricing of any governmental guaranties, fairness and equality to all participants regardless of volume of loans guaranteed, and further consolidation of housing finance system that would result in several mega banks and financial firms dominating the market (House and Senate)\n\nTax, accounting and auditing changes - community bank focus supporting robust economic activity, savings & investments, accommodation/exemption for community banks, undue regulatory burden or cost on community banks \n\nIncluding, tax reform that preserves the pass-through option, including the Subchapter S corporation and the ability of business borrowers to deduct interest, taxation of capital gains and dividends held in parity and at a preferential rate, tax-exempt status of interest paid on municipal bonds together with an increase in the Bank Qualified (BQ) annual threshold to $30 million and indexed for inflation, the ability of business and mortgage borrowers to deduct interest without further limitations must also be preserved, changes to the tax laws that disadvantage one form of corporate entity versus another should include a phase-in period and an amnesty to allow for a penalty-free corporate conversion, S corporation banks ability to raise capital to be enhanced by giving them the ability to issue preferred stock, increasing their shareholder limits and allowing new IRA shareholder investments, end to the tax subsidies for credit unions and the FCS lenders, community banks amortizing CRE losses over 10 years (versus in the year in which they are taken), capital standards that recognize the loss-absorbing abilities of the entire amount of the Allowance for Loan and Lease Losses (ALLL), the 1.25% ALLL disallowance (for regulatory capital purposes) should be eliminated which would encourage banks to reserve more and would strengthen capital positions, the work of the Financial Accounting Foundations Private Company Council to seek recognition, measurement and disclosure alternatives for small private companies including non-public community banks. \n\nIncluding, Financial Accounting Standard Boards (FASB) proposed expected loss model requiring community banks to develop costly complex cash flow models for loans and investment securities to generate expected losses over the lives of these assets where implementing this proposal will be to frontload loss recognition which would harm both community bank earnings and capital, FASBs proposal to restrict the ability of community banks to classify mortgage loans and investment securities at amortized cost when their intent is to collect contractual cash flows which is based on the exit price of a loan or security and on the current value in a non-distressed market and which would require costly robust pricing engines and complex valuation methodologies to satisfy the standard, FASBs proposal to require extensive liquidity risk and interest rate risk footnote disclosures that would be required to be audited which would undermine the work of the prudential regulators whose job entails assessing the safety and soundness of community banks including an assessment of liquidity and interest rate risk, and new bank specific fees or punitive tax levies specifically targeting the financial service sector (House and Senate)\n\nRemaining Implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act  \n\nIncluding, rein in Significantly Important Financial Institution (SIFI) with enhanced prudential standards and rigorous focused regulation, higher capital requirements, capital surcharges, concentration limits, liquidity requirements, orderly liquidation rules, credible contingency resolution plan, shielding community banks from the Dodd-Frank required increase in the deposit insurance fund reserve ratio from 1.15% to 1.35%, Volcker Rules prohibition on propriety trading and investment in and sponsorship of hedge funds and private equity funds, effectively exempting community banks \n\nIncluding, ensure the Consumer Financial Protection Bureau (CFPB) focuses on large banks, financial firms and shadow financial companies, holding the mega banks and financial firms up to the same  high standards for compliance with consumer laws as required and attained by community banks, governance (single Director versus five member commission), prudential regulators participation with CFPB in the rule writing process, FSOC veto of CFPB rules, CFPB exemption  authority regardingcommunity banks, revision in the definitions of rural and underserved areas in the Ability to Repays Qualified Mortgage (QM) rules, consistent and transparent standards in the evaluation of community bank fair lending standards, disparate impact and unintentional discrimination (House and Senate)\n\nDe novo community bank formation - need to maintain growing, vibrant & evolving banking profession, Federal Deposit Insurance Corporations (FDIC) actively inhibiting de novo community bank formation, inappropriate and restrictive one-size-fits-all supervisory policy (House and Senate)\n \nMaintain the Federal Home Loan Bank (FHLB)System - strong partnership with community banks, healthy, stable & reliable source of funding for community banks, FHLBs should not be the sole aggregators for residential mortgages for community banks in the reform of the housing GSEs, preservation of the FHLBs special functions and purposes (House and Senate)\n\nExcessive (Federal Reserve) intervention in monetary policy - significant drag on community banks net interest margins and earnings, limits on what monetary policy can accomplish, impact on community banks, savers and senior citizens (House and Senate)\n\n*****\n\nS. 798  Terminating Bailouts for Taxpayers Fairness Act of 2013 (capital requirements, Basel III, and community bank regulatory relief) (all sections) (Senate)\n\nS. 635  Privacy Act Notice Modernization Act of 2013 (redundant privacy notice regulatory relief) (all sections) (Senate)\n\nH.R. 1750  CLEAR Relief Act of 2013 (community lending enhancement and regulatory relief) (all sections) (House)\n\nCBAI Comment Letters -\n\nComment Letter  CFPB  Advanced Notice of Proposed Rulemaking, Debt Collection (Regulation F), Docket No. CFPB-2013-0033-0001, RIN 3170-AA41\n\nComment Letter  FHFA  Fannie Mae and Freddie Mac Loan Purchase Limits: Request for Public Input on Implementation Issues  No. 2013-N-18\n\nComment Letter  Federal Reserve Bank of Chicago, Federal Deposit Insurance Corporation (Chicago Regional Office), and Illinois Department of financial and Professional Regulation (IDFPR)  Regarding TruPS and Consent Order Dividend Restrictions\n\nCBAI Action Alerts \n\nH.R. 4521  Community Institution Mortgage Relief Act (exempt community bank portfolio loans from new escrow requirements and raise the small services exemption) (all sections) (House)\n\nH.R. 4466  Financial Regulatory Clarity Act (requires federal regulators to consider whether proposed regulations are duplicative or inconsistent with existing regulations) (all sections) (House)\n\n H.R. 2673  Portfolio Lending and Mortgage Access Act (any residential mortgage held in portfolio by the originator is a Qualified Mortgage) (all sections) (House)", "Federal Deposit Insurance Corporation (FDIC),Federal Housing Finance Agency (FHFA),Federal Reserve System,HOUSE OF REPRESENTATIVES,SENATE,Treasury, Dept of", null, 50000, 0, 0, "2014-07-13T16:11:56.700000-04:00"], [1549339, "c6620a3d-f8c3-4a95-b52c-5e4387b5f3f5", "Q2", "RICH FEUER ANDERSON", 84775, "THOMSON REUTERS", 2014, "second_quarter", "BAN", "Oversight and operation of financial benchmarks.  Implementation of the \"Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010,\" including operation and governance of swap execution facilities.", "HOUSE OF REPRESENTATIVES,SENATE", 50000, null, 0, 0, "2014-07-13T16:19:38.187000-04:00"], [1549347, "409d87a6-fc82-4621-8bec-faff77a6b209", "Q2", "RICH FEUER ANDERSON", 84775, "GENWORTH FINANCIAL INC", 2014, "second_quarter", "BAN", "Implementation of the \"Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010,\" including the securitization risk retention provisions. Housing finance reform, including S.1217, the \"Housing Finance Reform and Taxpayer Protection Act of 2013,\" and H.R. 2767, the \"Protecting American Taxpayers and Homeowners Act of 2013.\"", "HOUSE OF REPRESENTATIVES,SENATE", 30000, null, 0, 0, "2014-07-13T17:21:43.660000-04:00"], [1549634, "4800a637-ff05-465d-9dc6-df1ca75cd931", "Q2", "MR. DOYCE BOESCH", 400677020, "FIDELITY INVESTMENTS", 2014, "second_quarter", "BAN", "Banking and Financial Services Legislation", "HOUSE OF REPRESENTATIVES,SENATE", 15000, null, 0, 0, "2014-07-14T11:44:09.327000-04:00"], [1549731, "b963f73d-9a95-459a-a8d6-e3aafc0bac4c", "Q2", "HOLLAND & KNIGHT LLP", 18466, "MORTGAGE BANKERS ASSOCIATION", 2014, "second_quarter", "BAN", "Tax deductions for mortgage interest; reform of mortgage government-sponsored enterprises; refinancing legislation.", "HOUSE OF REPRESENTATIVES,SENATE", 30000, null, 0, 0, "2014-07-14T12:20:40.607000-04:00"], [1549829, "dba4152c-6801-4ec9-b470-93f34e34a77e", "2A", "CAPITOL HILL CONSULTING GROUP", 72053, "JAMES R. WOODHILL", 2014, "second_quarter", "BAN", "on-line banking issues", "HOUSE OF REPRESENTATIVES,SENATE", 10000, null, 0, 0, "2014-07-14T13:05:17.167000-04:00"], [1549871, "be375e90-13b9-4a26-b39d-8dfb9abd15ad", "Q2", "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", 2014, "second_quarter", "BAN", "The Dodd-Frank Wall Street Reform and Consumer Protection Act:  Follow implementation of this legislation which would create a new systemic-risk regulation for systemically-significant firms and a resolution mechanism for failing firms.  This includes the designation of firms as \"systemically\" important financial institutions.\n\nFollow meeting and proposed rules of the Financial Stability Overisght Council (FSOC) and the establishment of the Federal Insurance Office and Consumer Financial Protection Bureau.  Closely follow the FSOC's proposed rule to implemnt SEC.113 of the Dodd-Frank Act, which would establish criteria for the designation of non-bank firms as \"systemically\" important financial institutions. (SIFI)\n\nMark to market accounting:  follow SEC and FASB action regarding guidance and clarification of mark to market accounting.\n\nLobby in favor of legislation amending FSOC's SIFI designation process.", "Commodity Futures Trading Commission (CFTC),HOUSE OF REPRESENTATIVES,Risk Management Agency,Securities & Exchange Commission (SEC),SENATE,Treasury, Dept of", null, 590000, 0, 0, "2014-07-14T13:25:43.573000-04:00"], [1550015, "cb3af6cc-fdda-46aa-b365-92f0b1114678", "Q2", "DUTKO WORLDWIDE, LLC", 12868, "THE COUNCIL OF THE NORTH AMERICAN INSULATION MANUFACTURERS ASSOCIATION", 2014, "second_quarter", "BAN", "Support legislation related to residential energy efficiency improvements including H.R. 4615 and S. 1106 (the SAVE Act) and H.R. 4285, PACE Protection Act. Monitoring potential legislation regarding insulation and energy costs.", "Energy, Dept of,Environmental Protection Agency (EPA),HOUSE OF REPRESENTATIVES,SENATE", 80000, null, 0, 0, "2014-07-14T14:18:20.027000-04:00"], [1550025, "eaa7f218-3458-4733-a4c9-c6c6b9576a3a", "Q2", "MCDERMOTT WILL & SCHULTE LLP", 24338, "WYNDHAM WORLDWIDE CORPORATION", 2014, "second_quarter", "BAN", "Appropriate treatment of timeshare consumer lending, including specifically with regard to Truth in Lending Act provisions, loan originator & other licensing, registration requirements, in any mortgage lending legislation or financial regulations.", "Federal Reserve System,HOUSE OF REPRESENTATIVES,SENATE,Treasury, Dept of", 10000, null, 0, 0, "2014-07-14T14:19:24.277000-04:00"], [1550110, "51f6a2e5-3fe0-437a-b496-1d198c0cafb2", "Q2", "DUTKO WORLDWIDE, LLC", 12868, "FOREX CAPITAL MARKETS LLC", 2014, "second_quarter", "BAN", "Provide strategy and advice to Forex on legislation that affects them and their industry, including implementation of the Dodd-Frank Wall Street Reform and other executive branch regulations affecting the retail foreign exchange business such as definitions and protection of customer funds and the segregated funds rule.", "HOUSE OF REPRESENTATIVES,SENATE,Treasury, Dept of", 60000, null, 0, 0, "2014-07-14T14:56:55.697000-04:00"], [1550144, "4d13b802-cfb0-4633-b740-63926b804e0a", "Q2", "ADAMS AND REESE, LLP", 157, "LOUISIANA CREDIT UNION LEAGUE", 2014, "second_quarter", "BAN", "Follow financial and banking legislation of interest to client.", "HOUSE OF REPRESENTATIVES,SENATE", 9000, null, 0, 0, "2014-07-14T15:13:22.087000-04:00"], [1550336, "c10b2fbe-c981-4c81-831e-fca1f94d981d", "Q2", "FLORIDA BANKERS ASSOCIATION", 305511, "FLORIDA BANKERS ASSOCIATION", 2014, "second_quarter", "BAN", "Banking Issues", "HOUSE OF REPRESENTATIVES,SENATE", null, null, 0, 0, "2014-07-14T16:22:53.150000-04:00"], [1550341, "8efa446d-1187-4274-976b-5c2118b276cd", "Q2", "PICARD KENTZ & ROWE LLP", 400846497, "CLIFFS NATURAL RESOURCES", 2014, "second_quarter", "BAN", "Assisted with Ex-Im Bank reform proposals in the context of the Bank's reauthorization.", null, 5000, null, 0, 0, "2014-07-14T16:25:25.633000-04:00"], [1550492, "4f67bd99-4b91-4a94-b384-f2b38e6762aa", "Q2", "TAUZIN CONSULTANTS, LLC", 400671007, "JAMES R. WOODHILL", 2014, "second_quarter", "BAN", "ACH Fraud Prevention", "HOUSE OF REPRESENTATIVES,SENATE", 30000, null, 0, 0, "2014-07-14T18:04:43-04:00"], [1550518, "783ff37a-2b79-44d0-8d54-d734567038ba", "Q2", "PACE, LLP", 30495, "NATIONAL ASSN OF CREDIT MANAGEMENT", 2014, "second_quarter", "BAN", "Bankruptcy \nPrivacy Legislation\nData Security Legislation", "HOUSE OF REPRESENTATIVES,Justice, Dept of (DOJ),SENATE", 20000, null, 0, 0, "2014-07-14T18:19:47.803000-04:00"], [1550548, "a2aada3a-ddca-4aa4-bd26-6a2c5903c8d1", "Q2", "CALIFORNIA AND NEVADA CREDIT UNION LEAGUES", 7725, "CALIFORNIA AND NEVADA CREDIT UNION LEAGUES", 2014, "second_quarter", "BAN", "H.R. 688/S.968 - Credit union business lending. H.R. 719 - credit union supplemental capital. H.R. 749/S.635 - privacy notification. H.R. 1553/S.727 - Exam fairness. H.R. 1862/H.R. 3584/S.1806 - Privately Insured credit unions access to the Federal Home Loan Banks. S.1217 - Housing Finance Reform. H.R. 3240 - Regulation D Study Act. H.R. 3468 - Interest on Lawyer Trust Accounts. S. 1927 - Data Security Act. S.1897 - Personal Data Privacy and Security Act. Credit union Risk-Based Capital. Community Development Financial Institutions.", "HOUSE OF REPRESENTATIVES,Natl Credit Union Administration (NCUA),SENATE", null, 120000, 0, 0, "2014-07-14T19:15:03.560000-04:00"], [1550599, "57301257-5ff3-4f6d-817e-e565ce92bde3", "Q2", "SQUIRE PATTON BOGGS", 30906, "AMERICAN ASSOCIATION OF RESPONSIBLE AUTO LENDERS", 2014, "second_quarter", "BAN", "FDIC actions against banks.  Monitor implementation of Operation Chokepoint.", "HOUSE OF REPRESENTATIVES,SENATE", 60000, null, 0, 0, "2014-07-14T22:50:56.123000-04:00"], [1550740, "fc4a5750-2477-41b5-bbac-9ef2c3c2892d", "Q2", "VALUE PLACE LLC", 400402901, "VALUE PLACE LLC", 2014, "second_quarter", "BAN", "Seeking change in 12 USC 1731b to allow loan guarantees for short term residential properties", "HOUSE OF REPRESENTATIVES,Housing & Urban Development, Dept of (HUD),SENATE", null, 48739, 0, 0, "2014-07-15T09:52:13.483000-04:00"], [1550861, "93d2cf26-0c28-4299-849c-69ff1827c867", "Q2", "PARRY, ROMANI, DECONCINI & SYMMS", 30792, "SICPA SECURINK CORP", 2014, "second_quarter", "BAN", "Monitored and opposed legislation affecting U.S. currency; specifically provisions which sought to eliminate the dollar bill and expand the circulation of dollar coins -- S. 1105, Currency Optimization, Innovation, and National Savings Act.", "HOUSE OF REPRESENTATIVES,SENATE", 36000, null, 0, 0, "2014-07-15T10:59:31.643000-04:00"], [1550904, "31813c26-5b4c-4e27-ab5d-9fbf60a21665", "Q2", "CLEVELAND-CLIFFS INC.", 9487, "CLEVELAND-CLIFFS INC", 2014, "second_quarter", "BAN", "No specific legislation.  Urged support for changes to the U.S. Export-Import Bank (Ex-Im Bank) Charter to increase the stringency of Ex-Im Bank's economic impact analysis process and provide for greater transparency of Ex-Im Bank dealings.", "HOUSE OF REPRESENTATIVES,SENATE", null, 70000, 0, 0, "2014-07-15T11:18:59.377000-04:00"], [1551226, "7e84239c-ec72-4d04-b7bd-49df12b6aeb5", "Q2", "COBANK, ACB", 9738, "COBANK ACB", 2014, "second_quarter", "BAN", "Financial Regulatory Reform; Derivatives Reform Legislation; GSE Reform; Farm Credit Administration Regulatory Proposals; CFTC Regulations impacting Financial Regulatory Reform Legislation; Prudential Regulators' Derivatives Regulatory Proposals", "Agriculture, Dept of (USDA),Commodity Futures Trading Commission (CFTC),Farm Credit Administration,Federal Communications Commission (FCC),HOUSE OF REPRESENTATIVES,SENATE,U.S. Trade Representative (USTR)", null, 180000, 0, 0, "2014-07-15T14:19:27.247000-04:00"], [1551339, "8f89b85b-d7e4-440e-880d-e5b33444b2fb", "Q2", "THE DUBERSTEIN GROUP INC.", 12675, "PROMONTORY INTERFINANCIAL NETWORK", 2014, "second_quarter", "BAN", "Implementation of PL 111-203, Dodd-Frank Wall Street Reform and Consumer Protection Act.", null, 100000, null, 0, 0, "2014-07-15T15:08:03.550000-04:00"], [1551376, "4a9e8f32-f9e6-4812-a90a-06548255ef6c", "Q2", "PUBLIC CITIZEN", 32362, "PUBLIC CITIZEN", 2014, "second_quarter", "BAN", "Closing the $162 million loophole for bonus compensation, Section 956 of Dodd-Frank on executive compensation, Corporate governance in Dodd/Frank, Too big to jail institutions/transparency, HR 4811-Bureau Guidance Transparency Act, HR 4564-Equity Crowdfunding Act of 2014, HR 4697-Small Cap Access to Capital Act, HR 2629-Fostering Innovation Act, HR 4554-Restricted Securities Relief Act of 2014, HR 4568-Small Business Freedom to Grow Act, HR 4570-Private Placement Improvement Act of2014, HR 4565-Startup Capital Modernization Act of 2014, HR 4571-Direct SEC to increase threshold amount for disclosure of compensating benefit plans, HR 4387-FSOC Transparency & Accountability Act, HR 3389-CFPB Slush Fund elimination act of 2013, HR 4413-Consumer Protection End User relief act, HR 3711 & S 1282-21st Century Glass Steagall Act, Volcker rule implementation, postal banking.", "Federal Communications Commission (FCC),Federal Deposit Insurance Corporation (FDIC),HOUSE OF REPRESENTATIVES,Natl Security Council (NSC),Securities & Exchange Commission (SEC),SENATE,Treasury, Dept of,U.S. Trade Representative (USTR),White House Office", null, 70000, 0, 0, "2014-07-15T15:17:15.613000-04:00"], [1551475, "5ce292e6-5a95-480e-bac2-d6ea0c8e273f", "Q2", "CROSSSTATE CREDIT UNION ASSOCIATION", 31075, "CROSSSTATE CREDIT UNION ASSOCIATION", 2014, "second_quarter", "BAN", "Capital Reform, Taxation, Regulatory Burden, Dodd Frank, Risk Based Capital, Data Security, Patent Trolls, GSE Reform", "HOUSE OF REPRESENTATIVES,Natl Credit Union Administration (NCUA),SENATE", null, null, 0, 0, "2014-07-15T15:40:48.440000-04:00"], [1551705, "5ade57c0-5ce0-411d-bf3b-157e49a8d362", "Q2", "COVINGTON & BURLING LLP", 11195, "MIDFIRST BANK", 2014, "second_quarter", "BAN", "Issues related to Department of Education regulations and proposed regulations on Title IV cash management.", "Education, Dept of,HOUSE OF REPRESENTATIVES,SENATE", 80000, null, 0, 0, "2014-07-15T16:45:13.110000-04:00"], [1551736, "fc3c01bf-2252-48c8-a800-f26cc2e82d4b", "Q2", "NETWORK BRANDED PREPAID CARD ASSOCIATION", 401103192, "NETWORK BRANDED PREPAID CARD ASSOCIATION", 2014, "second_quarter", "BAN", "Prepaid Cards\nStudent Cards\nPayroll Cards", "Education, Dept of,HOUSE OF REPRESENTATIVES,SENATE", null, 90000, 0, 0, "2014-07-15T16:50:40.093000-04:00"], [1551822, "3f372238-0a7a-4b51-9660-eb19bd886aa8", "Q2", "ENTERTAINMENT MERCHANTS ASSOCIATION", 68890, "ENTERTAINMENT MERCHANTS ASSOCIATION", 2014, "second_quarter", "BAN", "Regulation of credit card interchange fees.", null, null, 10000, 0, 0, "2014-07-15T17:27:52.733000-04:00"], [1551832, "030757e8-1c1b-4017-bde3-f1379f282ca2", "Q2", "UNITED SERVICES AUTOMOBILE ASSOCIATION", 39245, "UNITED SERVICES AUTOMOBILE ASSOCIATION", 2014, "second_quarter", "BAN", "S. 1999 - SCRA Rights Protection Act of 2014\nS. 1927 - Data Privacy and Security Act of 2014\nH.R. 4068 - A bill to amend the SCRA\nS. 1995 - Personal Data Protection and Breach Accountability Act of 2014Dodd-Frank Consumer Protection and Wall Street Reform Act implementation, including, but not limited to, interchange fees, brokered deposits, Volcker Rule, mortage reforms, credit and debit products, consumer disclosures and capital standards.\nH.R. 749 - The Eliminate Privacy Notice Confusion Act  \nS. 1217 - The Housing Finance Reform and Taxpayer Protection Act\nS. 635 - The Privacy Notice Modernization Act of 2013 \nH.R. 4510 - Insurance Capital Standards Clarification Act of 2014\nS. 2270 - A bill to clarify the application of certain leverage and risk-based requirements under the Dodd-Frank Wall Street Reform and Consumer Protection Act  \n\nThe following additional agencies were contacted in connection with this issue code; the Consumer Financial Protection Bureau (CFPB) and the Federal Housing Finance Agency (FHFA).", "Defense, Dept of (DOD),Federal Deposit Insurance Corporation (FDIC),Federal Emergency Management Agency (FEMA),Federal Reserve System,Homeland Security, Dept of (DHS),HOUSE OF REPRESENTATIVES,Housing & Urban Development, Dept of (HUD),Office of the Comptroller of the Currency (OCC),Securities & Exchange Commission (SEC),SENATE,Transportation, Dept of (DOT),Treasury, Dept of", null, 2120000, 0, 0, "2014-07-15T17:30:55.267000-04:00"], [1552147, "b3712ef6-6544-44cb-92a6-626f1784d0da", "Q2", "KPMG LLP", 21893, "KPMG LLP", 2014, "second_quarter", "BAN", "H.R. 3317 (Holding Individuals Accountable and Deterring Money Laundering Act)", "Government Accountability Office (GAO),HOUSE OF REPRESENTATIVES,Internal Revenue Service (IRS),Securities & Exchange Commission (SEC),SENATE", null, 410000, 0, 0, "2014-07-16T09:12:21.143000-04:00"], [1552316, "44e26b8a-3ff1-46ed-a87e-aa2fe4ef0134", "Q2", "INDEPENDENT COMMUNITY BANKERS OF AMERICA", 19194, "INDEPENDENT COMMUNITY BANKERS OF AMERICA", 2014, "second_quarter", "BAN", "HR 688  Credit Union Small Business Job Creation Act of 2013\nHR 719  Capital Access for Small Businesses and Jobs Act\nHR 749  Eliminate Privacy Notice Confusion Act\nHR 797  Municipal Adviser Oversight Improvement Act of 2013HR 801 The Holding Company Restriction Threshold Equalization Act\nHR 892 The S Corporation Modernization Act\nHR 1062 SEC Regulatory Accountability Act\nHR 1603 The Mutual Community Bank Competitive Equality Act\nHR 1750 The Community Lending Enhancement and Regulatory Relief Act\nHR 2199 Flood Insurance\nHR 2266 The Subsidy Reserve Act (All provisions)\nHR 2402 The Consumer Financial Protection Commission Act\nHR 2446 The Responsible Consumer Financial Protection Regulations Act\nHR 2542 The Regulatory Flexibility Improvements Act of 2013\nHR 2672 The CFPB Rural Designation Petition and Correction Act\nHR 2673 The Portfolio Lending and Mortgage Access Act of 2013\nHR 2767 The Protecting American Taxpayers Homeowners Act\nHR 3193 The Consumer Financial Protection Safety and Soundness Improvement Act\nHR 3329 To Enhance the Ability of Community Financial Institutions to Foster Economic Growth\nHR 3370 Homeowner Flood Insurance Affordability Act of 2014\nHR 3389 CFPB Slush Fund Elimination Act of 2013\nHR 3474 Expiring Provisions Improvement Act\nHR 3770 CFPB - IG Act of 2013\nHR 3819 Fairness for Community Job Creators Act\nHR 4042 Community Bank Mortgage Servicing Asset Capital Requirements Study Act of 2014\nHR 4167 Restoring Proven Financing for American Employers Act\nHR 4252 Mutual Bank Choice and Continuity Act of 2014\nHR 4383 Bureau of Consumer Financial Protection Small Business Advisory Board Act (All provisions)\nHR 4466 Financial Regulatory Clarity Act\nHR 4521 Community Institution Mortgage Relief Act\nHR 4539 The Bureau Research Transparency Act (All)\nHR 4660 CJS Appropriations Act Amendment\nHR4662 The Bureau Advisory Opinion Act\nHR 4684 The Bureau Guidance Transparency Act (All)\nHR 4986 End Operation Choke Point Act of 2014\nS 635 Privacy Notice Modernization Act\nS 727 The Financial Institutions Examination Fairness and Reform Act\nS 1217 Housing Finance Reform and Taxpayer Protection Act\nS 1349 The Community Lending Enhancement and Regulatory Relief Act\nS 1907 Fairness for Community Job Creators Act\nS 1916 HELP Rural Communities Act of 2014\nS 1927 Data Secuity Act of 2014\nS 2252 Community Bank Preservation Act\nAccess to Capital for Community Banks\nBank Deposit Account Disclosures \nCall Report Changes\nCapital Requirements/Regulations/Basel III Rules\nCFPB eRegulations Tool\nCFPB Reforms\nCredit Union Business Lending Powers\nCredit Union Tax Exemption\nCybersecurity\nData Security and Breaches\nDeNovo Bank Applications\nDepartment of Justice Operation Chokepoint\nFederal Reserve Vacancy\nFlood Insurance Reform Implementation of Bigger-Waters ActHome Mortgage Disclosure Act (HMDA) Regulations\nHousing Finance Reform\nHousing Government Sponsored Enterprises\nMortgage Escrow Requirements\nMortgage Lending Reform\nMortgage Loan Origination Standards\nMortgage Servicing Standards\nNational Flood Insurance Program Reauthorization\nPatent Litigation Reform\nPostal Reform-provision of banking services\nQualified Mortgages, Ability to Repay Rules\nQualified Residential Mortgages/Risk Retention\nRegulation Z Establishment of Escrow - Higher Priced Loans\nRegulatory and Tax Relief for Community Banks", "Agriculture, Dept of (USDA),Farm Credit Administration,Federal Communications Commission (FCC),Federal Deposit Insurance Corporation (FDIC),Federal Housing Finance Agency (FHFA),Federal Reserve System,HOUSE OF REPRESENTATIVES,Justice, Dept of (DOJ),Office of the Comptroller of the Currency (OCC),SENATE,Small Business Administration (SBA)", null, 1460000, 0, 0, "2014-07-16T10:33:15.127000-04:00"], [1552551, "592d3a39-86f4-4d73-80f1-cb7988aa34ad", "Q2", "FARM CREDIT COUNCIL", 14165, "FARM CREDIT COUNCIL", 2014, "second_quarter", "BAN", "H.R. 4413, The Customer Protection and End User Relief Act", "HOUSE OF REPRESENTATIVES,SENATE", null, 60000, 0, 0, "2014-07-16T11:51:16.157000-04:00"], [1552609, "f80a6a66-d79a-40bb-9041-0b991a3c28cd", "Q2", "NEW YORK BANKERS ASSOCIATION", 29163, "NEW YORK BANKERS ASSOCIATION", 2014, "second_quarter", "BAN", "Federal Regulatory Activity\nOCC guidance on derivatives under Dodd-Frank; CFPB Ability to Repay Rule and Qualified Mortgage Rule; CFPB mortgage servicing final rules (TILA and RESPA); CFPB escrow final rule under Dodd-Frank; CFPB loan originator and mortgage servicing rules; Basel Committee Liquidity Standard; FDIC appraisal requirements under Dodd-Frank; Federal Reserve proposed rule on enhanced prudential standards and early remediation requirements for large foreign banks under Dodd-Frank; Federal banking agency revisions to Call Report rules; FEMA/ National Flood Insurance; OCC lending limits rule; SEC municipal advisor rule, GSE repurchases; Section 619, Dodd-Frank Wall Street Reform and Consumer Protection Act. Final Rule, Volcker Rule, IRS Regulation 67(e)\n  \nFederal Legislative Activity\nCybersecurity legislation:  (H.R. 86, H.R.394, H.R.624, H.R.866, S.21); Credit Union Business Lending (H.R.588, S.968); Regulatory Reform (S.450, H.R. 719, H.R.1750, H.R. 1553); mortgage foreclosure legislation (H.R.736, S.249);  Privacy: H.R. 749; Basel and Capital requirements: (H.R. 1221, H.R. 1341, S.731, S.798); GSE Reform (S.563, S.1217); Community banks: (H.R. 1603. H.R. 1693); derivatives: (H.R.992, H.R. 634, H.R. 1256); Flood insurance: (H.R.3547, S.1846); TRIA (S.2244, H.R.4871)", "Federal Deposit Insurance Corporation (FDIC),Federal Housing Finance Agency (FHFA),Federal Reserve System,HOUSE OF REPRESENTATIVES,Internal Revenue Service (IRS),Office of the Comptroller of the Currency (OCC),Securities & Exchange Commission (SEC),SENATE,Small Business Administration (SBA)", null, 50000, 0, 0, "2014-07-16T12:17:45.593000-04:00"], [1552757, "909e1cd6-06ca-499c-8fcd-1eab943c1b48", "Q2", "CAPITOL LEGISLATIVE STRATEGIES LLC", 400432093, "JOHN T. O'ROURKE LAW OFFICES", 2014, "second_quarter", "BAN", "Proposed non-bank banking issues", "HOUSE OF REPRESENTATIVES,SENATE", 30000, null, 0, 0, "2014-07-16T13:00:16.620000-04:00"], [1552933, "61b9a358-d918-4990-9790-ae0e5deb6c10", "Q2", "INTERNATIONAL ASSOCIATION OF FIRE FIGHTERS", 19753, "INTERNATIONAL ASSOCIATION OF FIRE FIGHTERS", 2014, "second_quarter", "BAN", "Municipal Bankruptcy", "Agriculture, Dept of (USDA),Commerce, Dept of (DOC),Federal Communications Commission (FCC),HOUSE OF REPRESENTATIVES,Interior, Dept of (DOI),SENATE,White House Office", null, 101000, 0, 0, "2014-07-16T13:49:54.263000-04:00"], [1553034, "06144494-5d0e-4ffb-910d-cf3b661fffd9", "Q2", "CREDIT UNION NATIONAL ASSOCIATION. INC. DBA AMERICA'S CREDIT UNIONS", 11322, "CREDIT UNION NATIONAL ASSOCIATION, INC. DBA AMERICA'S CREDIT UNIONS", 2014, "second_quarter", "BAN", "Please see addendum.Issues related to credit union operations\nIssues related to credit union field of membership\nIssues related to credit union service organizations\nIssues related to vacancies on the National Credit Union Administration (NCUA) Board\nIssues related to NCUAs proposed rule on credit union service organizations\nIssues related to NCUAs rule on net worth and bargain purchase agreements\nIssues related to NCUAs low income designation regulations\nIssues related to NCUA examination procedures\nIssues related to NCUAs proposed rule regarding loan participations\nIssues related to NCUAs regulation regarding its regulatory flexibility program\nIssues related to NCUAs proposed rule regarding emergency liquidity\nIssues related to material loss reports of the NCUA Office of Inspector General\nIssues related to the authority of the CFPB to exempt credit unions from its rulemaking\nIssues related to the CFPB proposal related to remittances and international wire transfers\nIssues related to the proposed CFPB form on RESPA/TILA\nIssues related to overdraft protection and check ordering practices\nIssues related to mortgage servicing\nIssues related to mortgage loan originator compensation and qualifications\nIssues related to high-cost mortgage loans (HOEPA)\nIssues related to the CFPBs proposed rule regarding qualified mortgage / ability to repay\nIssues related to reverse mortgages\nIssues related to the Financial Accounting Standards Board (FASB)\nIssues related to mark-to-market accounting \nIssues related to private equity standards\nIssues related to the implementation of the Unlawful Internet Gambling Prohibition Act\nIssues related to data and cyber security\nIssues related to mobile banking and mobile payments\nIssues related to the oversight of the Federal Housing Administration\nIssues related to USDA Rural Development Loan program\nIssues related to identity theft and fraud reduction\nIssues related to student lending\nIssues related to derivatives and NCUAs proposed rule related to credit union use of derivatives\nIssues related to the Federal Home Loan Bank System\nIssues related to short term lending products and advance deposit products\nIssues related to patent reform\nIssues related to Federal Credit Union bylaws\nIssues related to NCUAs Minority Depository Institution program\nIssues relating to home-based credit unions\nIssues related to NCUAs Appraisal Management Company proposal\nIssues related to NCUAs risk-based capital proposal\nIssues related to NCUAs proposed rule on securitization\nIssues related to NCUAs regulatory review process\nIssues related to Ginnie Mae capital\nIssues related to the nomination of J. Mark McWatters to be a member of the National Credit Union Administration Board\nIssues related to a discussion draft of legislation entitled, The Bureau Guidance Transparency Act\nIssues related to a discussion draft of legislation entitled, Preventing Regulatory Abuse Act of 2014\nIssues related to a discussion draft of legislation entitled, Bureau Examination Fairness Act\nIssues related to credit union service to marijuana businesses\nIssues related to financial literacy\nIssues related to the Department of Justices investigation entitled, Operation Choke Point\n\n\nH.R. 450, Bureau of Consumer Financial Protection Accountability Act, all provisionsH.R. 688, Credit Union Small Business Jobs Creation Act of 2013, all provisions\nH.R. 719, Capital Access for Small Businesses and Jobs Act of 2013, all provisions\nH.R. 736, Responsible Homeowner Refinancing Act of 2013, all provisions\nH.R. 749, Eliminate Privacy Notice Confusion Act of 2013, all provisions\nH.R. 801, Holding Company Registration Threshold Equalization Act of 2013, all provisions\nH.R. 839, Prompt Notification of Short Sale Act, all provisions\nH.R. 861, Elder Abuse Victims Act of 2013, all provisions\nH.R. 927, Common Sense Economic Recovery Act of 2013, all provisions\nH.R. 1077, Consumer Mortgage Choice Act\nH.R. 1255, Home Construction Lending Regulatory Improvement Act of 2013, all provisions\nH.R. 1261, Overdraft Protection Act of 2013, all provisions\nH.R. 1538, a bill to provide incentives to encourage financial institutions and small businesses to provide continuing financial education to customers, borrowers and employees, all provisions\nH.R. 1553, Financial Institution Examination Fairness and Reform Act, all provisions\nH.R. 1566, a bill to create a Federal Charter for Internet consumer credit corporations, all provisions\nH.R. 1603, a bill to support and promote community financial institutions in the mutual form, all provisions\nH.R. 1646, a bill to amend the Federal Credit Union Act to provide an exception from the member business loan cap for loans made to aid in the recovery from a disaster, all provisions\nH.R. 1694, a bill to allow the Secretary of Treasury to rely on State examinations for certain financial institutions, all provisions\nH.R. 1750, the CLEAR Relief Act, all provisions\nH.R. 1754, Preserving American Homeownership Act of 2013, all provisions\nH.R. 1779, Preserving Access to Manufactured Housing Act of 2013, all provisions\nH.R. 1862, Capital Access for Small Community Financial Institutions, all provisions\nH.R. 2136, Small Business Credit Availability Act, all provisions\nH.R. 2295, Basel III CASE Act, all provisions\nH.R. 2379, Qualified Mortgage Loan Originator Transitional Authority Act, all provisions\nH.R. 2419, a bill to amend the Truth in Lending Act to provide coverage under such Act for credit cards issued to small businesses, all provisions\nH.R. 2512, a bill to amend the Truth in Lending Act to establish clear regulatory standards for mortgage servicers, all provisions\nH.R. 2547, a bill to determine appropriate risk based capital requirements for community, mid-size, and regional institutions, all provisions\nH.R. 2561, a bill to provide for the removal of default information form a borrowers credit report with respect to certain rehabilitated education loans, all provisions\nH.R. 2571, a bill to amend the Dodd-Frank Wall Street Reform and Consumer Financial Protection Act to require the Bureau of Consumer Financial Protection to notify and obtain permission from consumers before collecting nonpublic personal information about such consumers, all provisions\nH.R. 2572, a bill to improve the regulation of credit unions and depository institutions and to provide regulatory relief, all provisions\nH.R. 2580, a bill to allow homeowners of moderate-value homes who are subject to mortgage foreclosure proceedings to remain in their homes as renters, all provisions\nH.R. 2652, Marijuana Businesses Access to Banking Act of 2013\nH.R. 2672, CFPB Rural Designation Petition and Correction Act\nH.R. 2673, the Portfolio Lending Mortgage Access Act, all provisions \nH.R. 2733, Defending American Taxpayers From Abusive Government Takings Act of 2013\nH.R. 2767, Protecting American Taxpayers and Homeowners Act of 2013\nH.R. 2816, To extend the pilot program under section 258 of the National Housing Act that establishes an automated process for providing alternative credit rating information for mortgagors and prospective mortgagors under certain mortgages.\nH.R. 2917, Financial Security Credit Act of 2013\nH.R. 2961, To amend the Truth in Lending Act and the Higher Education Act of 1965 to require additional disclosures and protections for students and cosigners with respect to student loans, and for other purposes.\nH.R. 3036, a bill to amend the Dodd-Frank Wall Street Reform and Consumer Protection Act to specify when bank holding companies may be subject to certain enhanced supervision, and for other purposes.\nH.R. 3137, Freedom and Mobility in Consumer Banking Act, all provisionsH.R. 3310, Annuity Safety and Security under Reasonable Enforcement Act, all provisions\nH.R. 3312, Homeowners Flood Insurance Relief Act, all provisions\nH.R. 3317, Holding Individual Accountable and Deterring Money Laundering Act, all provisions\nH.R. 3329, a bill to enhance the ability of community financial institutions to foster economic growth and serve their communities, boost small businesses, increase individual savings, all provisions.\nH.R. 3370, Homeowner Flood Insurance Affordability Act, all provisions\nH.R. 3374, the American Savings Promotion Act, all provisions\nH.R. 3468, the Credit Union Share Insurance Parity Act, all provisions\nH.R. 3584, a bill to amend the Federal Home Loan Bank Act to authorize privately insured credit unions to become members of a Federal home loan bank, all provisions\nH.R. 4226, Credit Union Residential Loan Parity Act, all provisions\nH.R. 4466, the Financial Regulatory Clarity Act of 2014\nH.R. 4521, the Community Institution Mortgage Relief Act, all provisions\n\n\nKildee Amendment to H.R. 1960, National Defense Authorization Act, related to disclosures required under the Military Lending Act\n\nS. 113, Know Before You Owe Private Student Loan Act, all provisions\nS. 114, Fairness for Struggling Student Act, all provisions\nS. 172, Stopping Abuse and Fraud in Electronic (SAFE) Lending Act of 2013, all provisions\nS. 187, Deceptive Loan Check Elimination Act, all provisions\nS. 205, Responsible Consumer Financial Protection Regulations Act of 2013, all provisions\nS. 249, Responsible Homeowner Refinancing Act of 2013, all provisions\nS. 361, Prompt Notification of Short Sale Act of 2013, all provisions \nS. 450, Financial Regulatory Responsibility Act of 2013, all provisions\nS. 451, a bill to make technical corrections to the Dodd-Frank Wall Street Reform and Consumer Protection Act, all provisions\nS. 563, Jumpstart GSE Reform Act, all provisions\nS. 635, Privacy Notice Modernization Act of 2013, all provisions\nS. 673, Protecting Consumers from Unreasonable Credit Rates Act, all provisions\nS. 676, Identity Theft and Tax Fraud Prevention Act of 2013, all provisions\nS. 727, Financial Institutions Examination Fairness and Reform Act, all provisions\nS. 731, Basel III CASE Act, all provisions\nS. 733, Basel III Impact Study Act, all provisions\nS. 798, Terminating Bailouts for Taxpayer Fairness Act, all provisions\nS. 872, Holding Company Registration Threshold Equalization Act, all provisions\nS. 947, SAFE Act Confidentiality and Privilege Enhancement Act, all provisions\nS. 968, Small Business Lending Enhancement Act, all provisions\nS. 985, a bill to repeal certain provisions of the Gramm-Leach-Bliley Act and revive the separation between commercial banking and the securities business, in the manner provided in the Banking Act of 1933, the so-called Glass-Steagall Act, all provisions\nS. 996, a bill to improve the National Flood Insurance Program, all provisions\nS. 1002, Home Building Lending Improvement Act, all provisions\nS. 1048, the Mortgage Finance Act, all provisions\nS. 1098, a bill to reform the Biggert-Waters Flood Insurance Reform Act of 2012 to responsibly protect homeownership, all provisions\nS. 1176, a bill to impose a fine with respect to international remittance transfers if the sender is unable to verify legal status in the United States, all provisions\nS. 1217, Housing Finance Reform and Taxpayer Protection Act, all provisions\nS. 1229, a bill to amend the Truth in Lending Act to empower the States to set the maximum annual percentage rates applicable to consumer credit transactions, all provisions\nS. 1282, 21st Century Glass-Steagall Act of 2013\nS. 1349, a bill to enhance the ability of community financial institutions to foster economic growth and serve their communities, boost small businesses, increase individual savings, and for other purposes.S. 1534, Freedom and Mobility in Consumer Banking Act, all provisions\nS. 1538, FIX Credit Reporting Errors Act, all provisions\nS. 1577, Mortgage Choice Act, all provisions\nS. 1597, the American Savings Promotion Act, all provisions\nS. 1610, Homeowner Flood Insurance Affordability Act, all provisions\nS. 1806, a bill to amend the Federal Home Loan Bank Act with respect to membership eligibility of certain institutions, all provisions\nS. 1867, Prepaid Card Consumer Protection Act of 2013, all provisions\nS. 1916, the HELP Rural Communities Act, all provisions\n\n\nS. Res. 105, a resolution designating April 2013 as Financial Literacy Month\n\nJohnson / Crapo amendment to S. 1217, the Housing Finance Reform and Taxpayer Protection Act, all provisions\nMoran / Manchin amendment to S. 1217, the Housing Finance Reform and Taxpayer Protection Act, all provisions\nToomey / Coburn amendment to S. 1217, the Housing Finance Reform and Taxpayer Protection Act, all provisions", "Agriculture, Dept of (USDA),Commodity Futures Trading Commission (CFTC),Executive Office of the President (EOP),Federal Deposit Insurance Corporation (FDIC),Federal Reserve System,Federal Trade Commission (FTC),Homeland Security, Dept of (DHS),HOUSE OF REPRESENTATIVES,Internal Revenue Service (IRS),Justice, Dept of (DOJ),Natl Credit Union Administration (NCUA),Office of Government Ethics (OGE),Securities & Exchange Commission (SEC),SENATE,Small Business Administration (SBA),Treasury, Dept of,White House Office", null, 1340000, 0, 0, "2014-07-16T14:25:18.387000-04:00"], [1553129, "a2f837a1-4d3a-487c-92e7-25d38db02ee0", "Q2", "INDEPENDENT INSURANCE AGENTS & BROKERS OF AMERICA", 19228, "INDEPENDENT INSURANCE AGENTS & BROKERS OF AMERICA", 2014, "second_quarter", "BAN", "P.L. 111-203- Dodd -Frank Wall Street Reform and Consumer Protection Act (Implementation of insurance provisions)\nHUD Disparate Impact Regulation (Insurance Provisions)\nFannie Mae Force Placed Insurance Regulation (All provisions)", "Agriculture, Dept of (USDA),Federal Emergency Management Agency (FEMA),Government Accountability Office (GAO),Health & Human Services, Dept of (HHS),HOUSE OF REPRESENTATIVES,Housing & Urban Development, Dept of (HUD),SENATE,Treasury, Dept of", null, 600000, 0, 0, "2014-07-16T14:52:43.777000-04:00"], [1553294, "02d4e3ae-2f5c-43bb-a32c-b52a1ef51b58", "Q2", "ALPINE GROUP PARTNERS, LLC.", 1171, "EATON CORPORATION", 2014, "second_quarter", "BAN", "H.R.4768  To prohibit the Export-Import Bank of the United States from providing financial support for certain high carbon intensity energy projects.", "HOUSE OF REPRESENTATIVES,SENATE", 40000, null, 0, 0, "2014-07-16T15:30:44.560000-04:00"], [1553400, "8829faba-d30b-4168-997d-09a0b9c1747d", "Q2", "MONUMENT ADVOCACY", 308775, "BOEING COMPANY", 2014, "second_quarter", "BAN", "Export-Import Bank Authorization and related issues", "HOUSE OF REPRESENTATIVES,SENATE", 50000, null, 0, 0, "2014-07-16T15:51:17.277000-04:00"], [1553510, "a70a069d-8c4a-46a1-b4b2-ab49cc17f753", "Q2", "MUTUAL OF OMAHA", 26284, "MUTUAL OF OMAHA", 2014, "second_quarter", "BAN", "HR 1261 - Overdraft Protection Act of 2013 - Provisions related to caps and limitations on overdraft charges.\nS 710 - A bill to provide commercial banks and S&Ls an exemption from Dodd-Frank Act provisions requiring the regulation of municipal advisors.  \nHR 1750 - Regulatory Relief Act - Exemptiosn from the qualified mortgage requirements & privacy notice requirements.HR 3317 - Holiding Individuals Accountable and Deterring Money Laundering Act - Provisions that would strengthen the Federal statutes designed to deter money laundering and terrorism financing. \nHR 3770 - Homeowner Flood Insurance Affordability Act - Provisions addressing issues with the affordability of National Flood Insurance program and mapping issues. \nS 1720 - Patent reform legislation - provisions addressing patent reform. \nS 1926 - A bill combining the National Flood Insurance Program reforms with NARAB II - escrow requirements under flood insurance program. \nHR 4466 - Financial Regulatory Clarity Act - Provisions regarding regulatory processes to determine duplicative rules and regulations. \nS 635 - Privacy Notice Bill - to eliminate the need to send GLBA privacy notices if a financial institution has not changed its privacy policy in the last year.", "HOUSE OF REPRESENTATIVES,SENATE", null, 175000, 0, 0, "2014-07-16T16:10:54.137000-04:00"], [1553677, "5eed6917-36b1-424d-84b3-176918b92a26", "Q2", "THE SMITH-FREE GROUP, LLC", 35800, "NETWORK FOR INVESTOR ACTION AND PROTECTION", 2014, "second_quarter", "BAN", "H.R.3482, Restoring Main Street Investor Protection and Confidence Act (All sections of full text) - Efforts in support of bill\nS.1725, Restoring Main Street Investor Protection and Confidence Act (All sections of full text) - Efforts in support of bill", "HOUSE OF REPRESENTATIVES,SENATE", null, null, 0, 0, "2014-07-16T16:48:37.227000-04:00"], [1553711, "17d98d3d-3585-4139-b6a4-39694758332f", "Q2", "MCINTYRE & LEMON, PLLC", 24533, "AMERICAN BANKERS ASSOCIATION INSURANCE COUNCIL", 2014, "second_quarter", "BAN", "TRIA\nNARAB II", "HOUSE OF REPRESENTATIVES,SENATE", null, null, 0, 0, "2014-07-16T17:02:49.840000-04:00"], [1554046, "09b55c24-bb2d-4f83-9da5-5e36804c28ec", "2A", "VALERIE MORSE WHITE CONSULTING", 40041336, "AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY INC.", 2014, "second_quarter", "BAN", "Background and general information on mobile and pre-paid credit products.\n\nGeneral information on issues affecting the credit card business, including fees pid by merchants for accepting credit/debit cards.", "HOUSE OF REPRESENTATIVES,SENATE", 50000, null, 0, 0, "2014-07-16T18:47:03.950000-04:00"], [1554252, "8a9da050-cac4-4bde-b066-f96ff90c3948", "Q2", "VAN SCOYOC ASSOCIATES", 39837, "BALDWIN COUNTY COMMISSION", 2014, "second_quarter", "BAN", "Flood Insurance Reform issues.", "HOUSE OF REPRESENTATIVES,SENATE", 30000, null, 0, 0, "2014-07-17T07:57:19.690000-04:00"], [1554262, "5cd6d107-b4b5-451a-a87b-ac20af20d96a", "Q2", "VAN SCOYOC ASSOCIATES", 39837, "CITY OF GULF SHORES ALABAMA", 2014, "second_quarter", "BAN", "Insurance related issues\n\nIssues pertaining to the oil spill's effect on the commercial loan market.\n\nS.1091, COASTAL Act of 2011, Flood Insurance Reform issues.\n\nH.R.1309, Flood Insurance Reform Act of 2011, Flood Insurance Reform issues.", "HOUSE OF REPRESENTATIVES,SENATE", 20000, null, 0, 0, "2014-07-17T08:02:22.253000-04:00"], [1554289, "5eb751b7-4274-43ef-a429-00173391f9bd", "Q2", "VAN SCOYOC ASSOCIATES", 39837, "FIRST HORIZON NATIONAL CORPORATION", 2014, "second_quarter", "BAN", "Public Law 111-517, Dodd-Frank Wall Street Reform and Consumer Protection Act, Financial Regulatory Reform issues (Durbin Amendment).\n\nFinancial Reform issues generally.\n\nH.R.4060, Systemic Risk Designation Improvement Act of 2014, Financial Reform issues.", "HOUSE OF REPRESENTATIVES", 30000, null, 0, 0, "2014-07-17T08:15:26.033000-04:00"], [1554710, "6ee5bae5-f84a-4a04-8a5c-9a54b470a347", "Q2", "KSG LLC, DBA KLEIN AND SAKS GROUP", 83477, "WORLD GOLD TRUST SERVICES", 2014, "second_quarter", "BAN", "Public Law 111-203, the Wall Street Reform and Consumer Protection Act,  Title VII (Commodities Regulation)", null, 29400, null, 0, 0, "2014-07-17T10:18:15.643000-04:00"], [1554714, "794da445-0efb-4351-82ed-f2d5a88481b2", "Q2", "THE NICKLES GROUP, LLC", 293335, "MERCHANTS PAYMENTS COALITION, INC.", 2014, "second_quarter", "BAN", "Oppose legislative efforts to repeal authority granted to the Federal Reserve to prescribe regulations relating to swipe fees, including H.R. 3156, the Consumer Debit Card Protection Act. Issues related to mobile payments.", "HOUSE OF REPRESENTATIVES,SENATE", 60000, null, 0, 0, "2014-07-17T10:20:17.190000-04:00"], [1554860, "fd37e968-05cc-4341-bbed-0bb34e4bc094", "Q2", "INFORMATION TECHNOLOGY INDUSTRY COUNCIL", 19387, "INFORMATION TECHNOLOGY INDUSTRY COUNCIL", 2014, "second_quarter", "BAN", "Conflict Minerals", "Commerce, Dept of (DOC),Defense, Dept of (DOD),Environmental Protection Agency (EPA),Federal Aviation Administration (FAA),Federal Communications Commission (FCC),HOUSE OF REPRESENTATIVES,Intl Trade Administration (ITA),Patent & Trademark Office (PTO),SENATE,State, Dept of (DOS),Treasury, Dept of,U.S. Trade Representative (USTR),White House Office", null, 270000, 0, 0, "2014-07-17T10:49:54.487000-04:00"], [1554893, "ffe4d26b-c6c3-43ec-88b2-076aebed4189", "Q2", "DANIEL A. MICA, LLC", 400747238, "CREDIT UNION NATIONAL ASSOCIATION", 2014, "second_quarter", "BAN", "Credit Union Taxation", "SENATE", 15000, null, 0, 0, "2014-07-17T10:53:55.243000-04:00"], [1554896, "07982848-abbd-4cca-bed8-0d32bcea257e", "Q2", "KEYCORP", 400276327, "KEYCORP", 2014, "second_quarter", "BAN", "Tax Reform\nGSE Reform\nConsumer Financial Protection Bureau\nVolcker RuleToo Big to Fail\nRegional Bank Issues\nMiscellaneous Other Banking Issues\nSBA & Small Business Issues\nFinancial Literacy\nConsumer Regulations", "HOUSE OF REPRESENTATIVES,SENATE", null, 161000, 0, 0, "2014-07-17T10:54:03.613000-04:00"], [1554950, "14c74c1b-c5b1-4b78-93e8-083e5b87c3b1", "Q2", "TG&C GROUP", 400878571, "RBS  CITIZENS, N.A.", 2014, "second_quarter", "BAN", "Dodd/Frank implementation.  Congressional and CFBP oversight of private student lending.", "HOUSE OF REPRESENTATIVES,SENATE", 22500, null, 0, 0, "2014-07-17T11:02:03.527000-04:00"], [1554984, "301289eb-655f-4414-94cc-b51c59efc2d2", "Q2", "GIBSON, DUNN & CRUTCHER LLP", 16178, "THE BUSINESS ROUNDTABLE", 2014, "second_quarter", "BAN", "HR 634, 677, S. 888", "HOUSE OF REPRESENTATIVES,SENATE", 40000, null, 0, 0, "2014-07-17T11:07:11.820000-04:00"], [1555566, "ca763564-ad3e-4009-a849-3b0e4a18988e", "Q2", "AMERICAN BANKERS ASSOCIATION", 1785, "AMERICAN BANKERS ASSOCIATION", 2014, "second_quarter", "BAN", "See addendum.S. 451, the Dodd-Frank Wall Street Reform and Consumer Protection Technical Corrections Act of 2013 (all provisions)\n\nS. 673, the Protecting Consumers from Unreasonable Credit Rates Act of 2013 (all provisions to set an interest rate and fee cap of 36 percent for consumer credit transactions)\n\nH.R. 688, the Credit Union Small Business Jobs Creation Act  (all provisions)\n\nH.R. 1261, the Overdraft Protection 5 Act of 2013 (all provisions)\n\nH.R. 3468, a bill to amend the Federal Credit Union Act to extend insurance coverage to amounts held in a member account on behalf of another person, and for other purposes\n\nH.R. 4252, Mutual Bank Choice and Continuity Act of 2014\n\nS. 2102, a bill to clarify the application of certain leverage and risk-based requirements under the Dodd-Frank Wall Street Reform and Consumer Protection Act\n\nH.R. 4060, Systemic Risk Designation Improvement Act of 2014\n\nH.R. 4042, Community Bank Mortgage Servicing Asset Capital Requirements Study Act of 2014\n\nS. 1916, HELP Rural Communities Act of 2014\n\nS. 1903, Prepaid Card Disclosure Act of 2014", "Federal Reserve System,HOUSE OF REPRESENTATIVES,SENATE,Treasury, Dept of", null, 1960000, 0, 0, "2014-07-17T12:27:59.530000-04:00"]], "truncated": false, "filtered_table_rows_count": 461, "expanded_columns": [], "expandable_columns": [[{"column": "filing_uuid", "other_table": "lobbying_filings_raw", 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