{"database": "lobbying", "table": "lobbying_activities", "is_view": false, "human_description_en": "where filing_period = \"third_quarter\", filing_year = 2019 and issue_code = \"BAN\" sorted by filing_year descending", "rows": [[2311926, "c172559c-4b98-4671-83f2-ebd7285b5f32", "3T", "C-SUITE STRATEGIC COUNSEL LLC", 401105000, "GEORGE PASIAKOS", 2019, "third_quarter", "BAN", "No legislation is involved. The lobbying activity consists of requesting U.S. government oversight of a transaction.", "HOUSE OF REPRESENTATIVES,SENATE,White House Office", null, null, 0, 1, "2019-07-18T20:19:47.797000-04:00"], [2336237, "271d3dcb-8af0-41f9-91d2-59f4e2548987", "3T", "FORBES-TATE", 400976792, "H&R BLOCK", 2019, "third_quarter", "BAN", "Issues related to financial services and banking.", "HOUSE OF REPRESENTATIVES,SENATE", 20000, null, 0, 1, "2019-08-30T08:37:29.240000-04:00"], [2336301, "4728b81e-6364-4ecf-8647-eb13629b7bda", "3T", "DARLING, ROTHSCHILD & SCOTT, LLC", 401105136, "WEEDMAPS", 2019, "third_quarter", "BAN", "SAFE Banking Act that allows cannabis banking.", "HOUSE OF REPRESENTATIVES,SENATE", 20000, null, 0, 1, "2019-09-03T13:33:06.083000-04:00"], [2336959, "ebd69fbd-c12e-4312-bf1d-9082095ca4ef", "3T", "CLARK HILL, PLC", 287771, "AFFIRM, INC.", 2019, "third_quarter", "BAN", "Non-bank lending, generally.", "HOUSE OF REPRESENTATIVES,SENATE", 30000, null, 0, 1, "2019-09-12T17:21:39.387000-04:00"], [2337514, "f9bb272a-86d1-4648-8883-475b3ac4589e", "Q3", "VAN FLEET ASSOCIATES", 39781, "FULL SPECTRUM OMEGA, INC.", 2019, "third_quarter", "BAN", "Reclassification of cannabis under the Control Substance Act;  Access to medical cannabis by Veterans", "Food & Drug Administration (FDA),HOUSE OF REPRESENTATIVES,SENATE,White House Office", 23760, null, 0, 0, "2019-09-30T15:28:08.180000-04:00"], [2337542, "0e0b1cbf-08f4-4008-8224-ed8261a2b4dd", "3A", "EUROPEAN BANKING FEDERATION - EBF", 287918, "EUROPEAN BANKING FEDERATION - EBF", 2019, "third_quarter", "BAN", "- FEDERAL RESERVE SYSTEM 12 CFR Part 252 [Regulation YY; Docket No. R-1534] RIN 7100-AE 48 \nSingle-Counterparty Credit Limits for Bank Holding Companies and Foreign Banking Organizations \n-SECURITIES AND EXCHANGE COMMISSION\n17 CFR Parts 240 and 249\n[Release No. 34-75611; File No. S7-40-11]\nRIN 3235-AL05\nRegistration Process for Security-Based Swap Dealers and Major Security-Based Swap\nParticipants\n-DEPARTMENT OF TREASURY\nOffice of the Comptroller of the Currency\n12 CFR Parts 3 and 50\nDocket ID OCC-2018-0037\nRIN 1557-AE56\nFEDERAL RESERVE SYSTEM\n12 CFR Parts 217, 249\nRegulations Q, WW; Docket No. R-1628\nRIN 7100-AF21\nFEDERAL DEPOSIT INSURANCE CORPORATION\n12 CFR Parts 324 and 329\nRIN 3064-AE96\nProposed changes to applicability thresholds for regulatory capital requirements for\ncertain U.S. subsidiaries of foreign banking organizations and application of liquidity\nrequirements to foreign banking organizations, certain U.S. depository institution holding\ncompanies, and certain depository institution subsidiaries\n- DEPARTMENT OF TREASURY\nOffice of the Comptroller of the\nCurrency\n12 CFR Part 44\n[Docket No. OCC-2018-0010]\nRIN 1557-AE27\nFEDERAL RESERVE SYSTEM\n12 CFR Part 248\n[Docket No. R-1608]\nRIN 7100-AF 06\nFEDERAL DEPOSIT INSURANCE\nCORPORATION\n12 CFR Part 351\nRIN 3064-AE67\nSECURITIES AND EXCHANGE\nCOMMISSION\n17 CFR Part 255\n[Release no. BHCA-3; File no. S7-14-18]\nRIN 3235-AM10\nCOMMODITY FUTURES TRADING\nCOMMISSION\n17 CFR Part 75\nRIN 3038-AE72\nProposed Revisions to Prohibitions and Restrictions on Proprietary Trading and Certain Interests in, and Relationships With, Hedge Funds and Private Equity Funds\n- Joint Comprehensive Plan of Action (JCPOA): international sanctions\n-DEPARTMENT OF THE TREASURY \nInternal Revenue Service \n26 CFR Part 1 \n[REG-104259-18] \nRIN 1545-BO56 \nBase Erosion and Anti-Abuse Tax \n- FATCA: Revised Guidance Related to Obtaining and Reporting Taxpayer Identification Numbers and Dates of Birth by Financial Institutions \nNotice 2017-46", "Commodity Futures Trading Commission (CFTC),Federal Deposit Insurance Corporation (FDIC),Federal Reserve System,HOUSE OF REPRESENTATIVES,Office of the Comptroller of the Currency (OCC),Securities & Exchange Commission (SEC),Treasury, Dept of,White House Office", null, 13000, 0, 0, "2019-10-01T03:35:36.550000-04:00"], [2338001, "b11189f9-1bec-4a7a-b458-6097dfe17e4b", "Q3", "NACHA, THE ELECTRONIC PAYMENTS ASSOCIATION", 401103937, "NACHA, THE ELECTRONIC PAYMENTS ASSOCIATION", 2019, "third_quarter", "BAN", "Faster Payments, ACH Network, Federal Reserve role in faster payments, Direct Deposit", "HOUSE OF REPRESENTATIVES,SENATE", null, 9600, 0, 0, "2019-10-02T13:51:54.793000-04:00"], [2338021, "3c567a3d-2f4f-4569-bdae-12a810deb3c5", "3A", "NACHA, THE ELECTRONIC PAYMENTS ASSOCIATION", 401103937, "NACHA, THE ELECTRONIC PAYMENTS ASSOCIATION", 2019, "third_quarter", "BAN", "Faster Payments, ACH Network, Federal Reserve role in faster payments, Direct Deposit", "HOUSE OF REPRESENTATIVES,SENATE", null, 9600, 0, 0, "2019-10-02T13:58:02.113000-04:00"], [2338108, "09909edb-d9f7-46cf-86b9-c8fe95265073", "Q3", "MARSHALL BRACHMAN", 6848, "LOCKHEED MARTIN AERONAUTIC SECTOR", 2019, "third_quarter", "BAN", "support defense financing provisions", "HOUSE OF REPRESENTATIVES,SENATE", 21375, null, 0, 0, "2019-10-03T09:17:09.160000-04:00"], [2338112, "474e5d36-f799-49c5-9391-22ca8d845059", "Q3", "MARSHALL BRACHMAN", 6848, "ZIONS BANCORP", 2019, "third_quarter", "BAN", "support Congressional efforts to reform FASB CECL regulations\nsupport Congressional efforts to require large credit unions to become taxable", "HOUSE OF REPRESENTATIVES,SENATE", 24000, null, 0, 0, "2019-10-03T09:21:09.997000-04:00"], [2338230, "76b18498-3dac-4eca-96df-bd4d26be3f54", "Q3", "MERCURY PUBLIC AFFAIRS, LLC", 70175, "ASG RESOLUTION CAPITAL, JSC ON BEHALF OF ERNESTS BERNIS", 2019, "third_quarter", "BAN", "liquidation of bank", "Treasury, Dept of", 530000, null, 0, 0, "2019-10-03T13:27:01.683000-04:00"], [2338318, "c6f3136b-7444-405c-ad59-a12446c9ee7b", "Q3", "MORRISON & FOERSTER, LLP", 25897, "AMERICAN BANKERS ASSOCIATION", 2019, "third_quarter", "BAN", "Privacy, cybersecurity and breach notification", "HOUSE OF REPRESENTATIVES,Natl Institute of Standards & Technology (NIST),SENATE", 50000, null, 0, 0, "2019-10-03T17:00:01.423000-04:00"], [2338747, "534c64db-8118-478c-9974-c117baca5680", "3T", "MCDERMOTT WILL & SCHULTE LLP", 24338, "INFRA-BK, LLC", 2019, "third_quarter", "BAN", "Creating a national infrastructure bank.", "HOUSE OF REPRESENTATIVES,SENATE", 40000, null, 0, 1, "2019-10-04T14:33:42.597000-04:00"], [2338896, "15aba409-cf1a-4459-8466-df14b78027df", "3T", "MCDERMOTT WILL & SCHULTE LLP", 24338, "NATIONAL ASSOCIATION OF BANKRUPTCY TRUSTEES", 2019, "third_quarter", "BAN", "Efforts to update and amend through legislation the current bankruptcy trustee fee schedule.", "HOUSE OF REPRESENTATIVES,SENATE", 20000, null, 0, 1, "2019-10-07T10:46:47.557000-04:00"], [2338980, "e86b9bfa-b8da-4cb6-9a8c-0e1787036d55", "Q3", "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", 2019, "third_quarter", "BAN", "Monitor efforts of the Financial Stability Board (FSB) to designate non-bank, non-insurers as Global Systemically Important Financial Institutions.  Lobby in favor of increased transparency regarding the process.", "Commodity Futures Trading Commission (CFTC),HOUSE OF REPRESENTATIVES,Risk Management Agency,Securities & Exchange Commission (SEC),SENATE,Treasury, Dept of", null, 550000, 0, 0, "2019-10-07T13:25:58.580000-04:00"], [2339073, "0041b866-759f-4d85-8c01-720234f648dc", "Q3", "MERCURY PUBLIC AFFAIRS, LLC", 70175, "MOVEMENT MORTGAGE", 2019, "third_quarter", "BAN", "Monitored Dodd-Frank and CFPB", "HOUSE OF REPRESENTATIVES", 30000, null, 0, 0, "2019-10-07T15:36:52.730000-04:00"], [2339104, "c50216d5-bc54-433d-bfde-2c1d5f73404c", "Q3", "UNION HOME MORTGAGE CORP", 401105274, "UNION HOME MORTGAGE CORP", 2019, "third_quarter", "BAN", "GSE Reform; government lending topics", "Consumer Financial Protection Bureau (CFPB),HOUSE OF REPRESENTATIVES,Housing & Urban Development, Dept of (HUD),Veterans Affairs, Dept of (VA)", null, 10000, 0, 0, "2019-10-07T16:47:19.723000-04:00"], [2339229, "d107435c-45b5-4640-af51-49b8f691035b", "Q3", "REPUBLIC CONSULTING, LLC", 401016871, "FINICITY", 2019, "third_quarter", "BAN", "Advocate Consumer Access to financial data.", "HOUSE OF REPRESENTATIVES,SENATE", 20000, null, 0, 0, "2019-10-08T10:57:09.473000-04:00"], [2339237, "33b044a1-78f3-428f-9d5f-f2c60426a347", "Q3", "REPUBLIC CONSULTING, LLC", 401016871, "NATIONAL ASSOCIATION OF AFFORDABLE HOUSING LENDERS", 2019, "third_quarter", "BAN", "Community Reinvestment Act regulations, affordable housing programs, and affordable housing tax credits.", "Federal Deposit Insurance Corporation (FDIC),Federal Reserve System,HOUSE OF REPRESENTATIVES,Office of the Comptroller of the Currency (OCC),SENATE", 30000, null, 0, 0, "2019-10-08T11:15:38.877000-04:00"], [2339248, "bf7ae420-761a-45ca-9b67-4fdbcc4ef464", "Q3", "REPUBLIC CONSULTING, LLC", 401016871, "WORKIVA", 2019, "third_quarter", "BAN", "Financial Transparency Act and Use of machine readable data in government reports.", "HOUSE OF REPRESENTATIVES,SENATE,Treasury, Dept of", 60000, null, 0, 0, "2019-10-08T11:15:45.333000-04:00"], [2339258, "efcd0b53-e689-471a-9426-a5bf99da0128", "Q3", "REPUBLIC CONSULTING, LLC", 401016871, "MORTGAGE BANKERS ASSOCIATION", 2019, "third_quarter", "BAN", "Issues related to GSE Reform and affordable housing.", "Executive Office of the President (EOP),HOUSE OF REPRESENTATIVES,Labor, Dept of (DOL),SENATE,Treasury, Dept of", 40000, null, 0, 0, "2019-10-08T11:20:50.373000-04:00"], [2339386, "5fda0d4e-6cea-4107-8225-e3b2878483b3", "Q3", "MERCURY PUBLIC AFFAIRS, LLC", 70175, "NATIONAL PUBLIC FINANCE GUARANTEE CORPORATION", 2019, "third_quarter", "BAN", "Puerto Rico Debt Reform", "HOUSE OF REPRESENTATIVES,Natl Economic Council (NEC),Office of Administration,Office of Management & Budget (OMB),SENATE,Treasury, Dept of,White House Office", 120000, null, 0, 0, "2019-10-08T14:09:37.013000-04:00"], [2339435, "8e2cf2f2-a9ff-404d-af73-00589129063e", "Q3", "LAVENDER CONSULTANTS", 401104727, "ONLINE LENDERS ALLIANCE", 2019, "third_quarter", "BAN", "CFPB Small Dollar Lending Rule\nOperation Chokepoint\nFintech Charter\nTrue Lender Legislation\nValid When Made Legislation\nHR 1509/S. 656 - Stopping Abuse & Fraud in Electronic Lending Act of 2019 (SAFE Lending Act of 2019)\nHR 56 - Financial Technology Protection Act\nHR 189 - Financial Institution Customer Protection Act of 2019\nHR 741 - Taking Account of Institutions with Low Operation Risk Act of 2019 (TAILOR Act of 2019)\nHR 1282 - Data Accountability & Trust Act\nHR 1491 - Facilitating Innovation & New Technology so Entrepreneurs Create and Hire Act of 2019 (FINTECH Act of 2019)\nS. 142 - American Data Dissemination Act of 2019\nS. 583 - Digital Accountability and Transparency to Advance Privacy Act\nS. 610/HR 1423 - Forced Arbitration Injustice Repeal Act\nS. 630 - Arbitration Fairness for Consumers Act\nS. 635 - Restoring Statutory Rights and Interests of the States Act of 2019 (arbitration)", "Consumer Financial Protection Bureau (CFPB),Executive Office of the President (EOP),Federal Deposit Insurance Corporation (FDIC),HOUSE OF REPRESENTATIVES,Office of the Vice President of the United States,SENATE,Treasury, Dept of", 30000, null, 0, 0, "2019-10-08T15:28:38.737000-04:00"], [2339437, "55933eac-4208-4cf7-8c4e-f8017f02bd2c", "Q3", "LAVENDER CONSULTANTS", 401104727, "MID-SIZE BANK COALITION OF AMERICA", 2019, "third_quarter", "BAN", "Dodd-Frank Act\nBanking issues in the Appropriations Act\nCommunity Reinvestment Act\nBank Secrecy Act\nAnti-Money Laundering \nCannabis Banking\nSAFE Banking Act", "Consumer Financial Protection Bureau (CFPB),Federal Deposit Insurance Corporation (FDIC),Financial Crimes Enforcement Network (FinCEN),HOUSE OF REPRESENTATIVES,Office of the Comptroller of the Currency (OCC),SENATE,Treasury, Dept of", 30000, null, 0, 0, "2019-10-08T15:31:41.150000-04:00"], [2339445, "ce005004-3bc2-4457-bbde-d63bb8c88706", "Q3", "RICH FEUER ANDERSON", 84775, "APPRAISAL INSTITUTE", 2019, "third_quarter", "BAN", "Regulation of appraisers, including modernization of regulatory structure; H.R. 3619, the \"Appraisal Reform Act;\" and H.R. 2852, the \"Homebuyer Assistance Act.\"", "HOUSE OF REPRESENTATIVES,SENATE", 30000, null, 0, 0, "2019-10-08T15:44:44.570000-04:00"], [2339720, "d8e6351f-d1a7-4116-ab59-fa1665dce6b7", "Q3", "TASSEY & ASSOCIATES", 288954, "AMERICAN BANKERS ASSOCIATION", 2019, "third_quarter", "BAN", "HR 3055 Commerce, State, Justice and Related Agencies Appropriations Act, 2020\" and \"Agriculture, Rural Development, Food and Drug Administration, and Related Agencies Appropriations Act, 2020, all provisions relating to Supplemental Nutrition Assistance Payments and electronic benefits transfer programs using debit cards.  HR 3351 Financial Services and General Government Appropriations Act, 2020, all provisions relating to credit card interchange.  HR 2930/S 1389 Loan Shark Prevention Act, all provisions relating to credit rate caps.  Issues pertaining to the implementation of P.L. 111-24 Credit Card Accountability Responsibility and Disclosure Act of 2009, all provisions.", "Consumer Financial Protection Bureau (CFPB),HOUSE OF REPRESENTATIVES,SENATE", 30000, null, 0, 0, "2019-10-09T13:37:27.737000-04:00"], [2339722, "5c5bda42-ae21-499e-adae-2749f9c9e878", "Q3", "TASSEY & ASSOCIATES", 288954, "ELECTRONIC PAYMENTS COALITION (\"EPC\")", 2019, "third_quarter", "BAN", "HR 3055 Commerce, State, Justice and Related Agencies Appropriations Act, 2020, and \"Agriculture, Rural Development, Food and Drug Administration, and Related Agencies Appropriations Act, 2020, all provisions relating to Supplemental Nutrition Assistance Payments and electronic benefits transfer programs using debit cards.  HR 3351 Financial Services and General Government Appropriations Act, 2020, all provisions relating to credit card interchange.  Issues pertaining to an Administration memorandum on Congressional Review Act/Cost-Benefit Analysis by individual agencies.  HR 2930/S 1389 Loan Shark Prevention Act, all provisions relating to credit rate caps.  Issues pertaining to possible FFIEC regulations on multi-factor authentication.  Issues pertaining to possible legislation relating to electronic payment of federal taxes.  Issues pertaining to the US regulatory response to the EU General Data Regulatory Protection.  Issues pertaining to possible legislation relating to data security.  Issues pertaining to Federal Reserve study on payments fraud.  Issues pertaining to the EMVCo (Europay, Mastercard, Visa) and the EMV chip cards.  Issues pertaining to the implementation of P.L. 111-24 Credit Card Accountability Responsibility and Disclosure Act of 2009, all provisions relating to interchange.  Issues pertaining to the implementation of P.L. 111-203 Dodd-Frank Wall Street Reform and Consumer Protection Act, all provisions relating to the provisions in Title X-Bureau of Consumer Financial Protection relating to interchange.  Issues pertaining to antitrust legislation relating to interchange.  Issues pertaining to payment card interchange fee and merchant discount anti-trust litigation.  Issues pertaining to The Economic Growth and Regulatory Paperwork Reduction Act, all provisions relating to debit card interchange.  Issues pertaining to Real Time Payments.", "Federal Reserve System,Federal Trade Commission (FTC),HOUSE OF REPRESENTATIVES,SENATE", 100000, null, 0, 0, "2019-10-09T13:39:29.593000-04:00"], [2339826, "11f1ac00-c940-493f-accd-c15bcb648db0", "Q3", "CHRISTOPHERSEN INC", 401105404, "WASHINGTON CANNABUSINESS ASSOCIATION", 2019, "third_quarter", "BAN", "Safe Banking Act, HR1595\n\ncannabis, manufacturing, economic development, consumer issues product safety, food industry/safety/labeling, medical/disease research/clinical labs, small business, agricluture", "Agriculture, Dept of (USDA),HOUSE OF REPRESENTATIVES,SENATE", null, null, 0, 0, "2019-10-09T15:15:07.687000-04:00"], [2339867, "7676a248-4b14-43d7-b54b-c0310ca28533", "Q3", "CAPITOL LEGISLATIVE STRATEGIES LLC", 400432093, "JOHN T. O'ROURKE LAW OFFICES", 2019, "third_quarter", "BAN", "Issues related to 'non-bank' banking and marketplace behavior.", "HOUSE OF REPRESENTATIVES,SENATE", 30000, null, 0, 0, "2019-10-09T15:49:32.837000-04:00"], [2339894, "ebaa507b-6f6d-45ed-91ac-b046ed3c1e03", "Q3", "RICH FEUER ANDERSON", 84775, "GENWORTH FINANCIAL INC", 2019, "third_quarter", "BAN", "Housing finance reform and operation of the Federal Housing Administration and the Federal government-sponsored housing enterprises.", "HOUSE OF REPRESENTATIVES,SENATE", 30000, null, 0, 0, "2019-10-09T16:16:15.730000-04:00"], [2340011, "1e7152eb-709a-4a8f-a715-a5e6b5ac49a3", "Q3", "PHILIP BECHTEL", 284356, "COUNCIL OF FEDERAL HOME LOAN BANKS", 2019, "third_quarter", "BAN", "Housing finance reform; H.R.1595 SAFE Act; general Federal Home Loan Bank matters", "Federal Deposit Insurance Corporation (FDIC),Federal Housing Finance Agency (FHFA),HOUSE OF REPRESENTATIVES,SENATE", 30000, null, 0, 0, "2019-10-10T16:04:44.707000-04:00"], [2340196, "c3eda582-cab2-468d-8756-2d733537a949", "Q3", "CAPITOL HILL STRATEGIES,  LLC", 91774, "PRINCIPAL FINANCIAL GROUP", 2019, "third_quarter", "BAN", "Issues relating to Dodd-Frank Wall Street Reform and Consumer Protection Act, implementation and regulatory reform", "HOUSE OF REPRESENTATIVES,SENATE", 30000, null, 0, 0, "2019-10-10T16:06:26.460000-04:00"], [2340226, "3c7aa22a-a1d9-4f00-9aa0-10b34c4f68ef", "Q3", "ELECTRONIC TRANSACTIONS ASSOCIATION", 401103094, "ELECTRONIC TRANSACTIONS ASSOCIATION", 2019, "third_quarter", "BAN", "Mobile payments, fraud, data security, data storage, open banking, regulatory reform, tax reporting, payments systems, cyber-security, financial services, merchant cash advances, privacy, the Federal Reserve and big data, CFPB prepaid products rule (Prepaid Accounts Under Direct Electronic Transfer Act {Regulation E} and the Truth in Lending Act), Federal Reserve Secure Payments Task Force, Marketplace lending, H.R. 10-Financial Choice Act of 2017, H.J. Res. 62/72-Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act, S.J.Res.19 - A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act, H. R. 1801-To delay the effective date of the final rule of the Bureau of Consumer Financial Protection titled Prepaid Accounts under the Electronic Fund Transfer Act (Regulation E) and the Truth In Lending Act (Regulation Z)\", S. 387-Consumer Financial Protection Bureau Accountability Act of 2017, S. 626-CFPB-IG Act of 2017. CFPB Governance Structure. H.J.Res. 111, Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to \"Arbitration Agreements.\" S.J.Res. 47, A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to \"Arbitration Agreements\". H.R. 4439, Modernizing Credit Opportunities Act of 2017. H.R. 3299, Protecting Consumers' Access to Credit Act of 2017. S. 1642, Protecting Consumers' Access to Credit Act of 2017. H.R. 3354, Make America Secure & Prosperous Appropriations Act. H.R. 6743, Consumer Information Notification Requirement Act. H.R. 6850, Financial Reporting Threshold Modernization Act. \"Potential Federal Reserve Actions To Support Interbank Settlement of Faster Payments, Request for Comments\" (Docket # OP-1625). OCC ANPR \"Reforming the Community Reinvestment Act Regulatory Framework\" (Docket # OCC-2018-0008). H.R. 1595, \"SAFE Banking Act of 2019\". FDIC Request for Information on Small-Dollar Lending (Docket No. RIN 3064-ZA04). S. 1200, Secure And Fair Enforcement Banking Act of 2019. U.S. House Committee on Financial Services' Task Force on Financial Technology and Task Force on Artificial Intelligence.", "Consumer Financial Protection Bureau (CFPB),Council of Economic Advisers (CEA),Federal Communications Commission (FCC),Federal Reserve System,Federal Trade Commission (FTC),Financial Crimes Enforcement Network (FinCEN),Food & Drug Administration (FDA),HOUSE OF REPRESENTATIVES,Internal Revenue Service (IRS),Justice, Dept of (DOJ),Labor, Dept of (DOL),Natl Economic Council (NEC),Office of the Comptroller of the Currency (OCC),SENATE,Treasury, Dept of,U.S. Trade Representative (USTR)", null, 300000, 0, 0, "2019-10-10T16:06:40.477000-04:00"], [2340494, "82d8b7e7-8dd1-4f72-b8a5-2bcb9881c44b", "Q3", "FACT COALITION (A PROJECT OF THE FUND FOR CONSTITUTIONAL GOVERNMENT)", 401104968, "FACT COALITION (A PROJECT OF THE FUND FOR CONSTITUTIONAL GOVERNMENT)", 2019, "third_quarter", "BAN", "Legislation related to anti-money laundering, countering illicit finance, beneficial ownership, and incorporation transparency;\n\nH.R. 2513/S. 1978, Corporate Transparency Act of 2019;  \n\nH.R. 2514, COUNTER Act of 2019 - Coordinating Oversight, Upgrading and Innovating Technology, and Examiner Reform Act of 2019; \n\nS. 2563, ILLICIT CASH Act", "HOUSE OF REPRESENTATIVES,Securities & Exchange Commission (SEC),SENATE", null, 20000, 0, 0, "2019-10-11T10:48:24.793000-04:00"], [2340545, "4b04689c-077d-4bcd-b214-685a29db8831", "Q3", "SQUIRE PATTON BOGGS", 30906, "AL-MAWARID BANK SAL", 2019, "third_quarter", "BAN", "International banking issues", "HOUSE OF REPRESENTATIVES,SENATE", null, null, 0, 0, "2019-10-11T11:33:58.663000-04:00"], [2340563, "71f5065a-6ae8-4309-b79a-1be79a67da2f", "Q3", "COMMUNITY BANKERS ASSOCIATION OF ILLINOIS", 400531588, "COMMUNITY BANKERS ASSOCIATION OF ILLINOIS", 2019, "third_quarter", "BAN", "CBAI Federal Policy Priorities - 2019 \n\nThe Community Bankers Association of Illinois (CBAI) supports fair competition for financial services, tiered regulation, the separation of banking and commerce, the dual banking system/charter choice, and financial innovation; and opposes discrimination favoring certain financial service providers, banking industry consolidation and systemic risk. \n\nThe Independent Community Bankers of Americas legislative and regulatory agenda contained in their Community Focus 2020: The Community Bank Agenda for Expanding Economic Opportunity proposes a more efficient system of regulation, unbiased laws governing the financial sector, a safer and more secure business environment, and more efficient agricultural policies to extend the nations economic growth to every corner of the country.\n\nThe swift implementation of the remaining regulatory relief provisions for community banks - consistent with Congressional intent - contained the Economic Growth, Regulatory Relief and Consumer Protection Act (S. 2155) which became law in May of 2018.\n\nThe passage of additional meaningful regulatory relief for community banks including modernizing the Bank Secrecy Act (BSA)/Currency Transaction Report (CTR) threshold/Suspicious Activity Report (SAR) threshold. Also, data for the new beneficial ownership reporting requirements should be collected and verified by the appropriate federal/state government agencies when a legal entity is formed or when subsequent changes occur. \n\nCredit unions and Farm Credit System (FCS) lenders have long-since strayed from their founding purposes, blatantly abusing their competitive advantages. This blatant and continuing discrimination against community banks must end. Either the credit union and FCS competitive advantages must be reined-in or there must be tax credits or deductions for community banks lending to small businesses, farmers and ranchers, homebuyers, and low- and middle-income individuals. These changes in the tax code would help sustain and strengthen community bank lending and would begin to offset the competitive advantage enjoyed by tax-exempt credit unions and FCS lenders.\n\nThe United States payments system (System), which is the very foundation of our financial services and economy, must be modernized to meet the demands of consumers and to keep pace with the rest of the world. System improvements must not be dominated by the largest banks and financial firms or private-sector non-banks. Community banks, small businesses and consumers must rely on the Federal Reserve to provide access to a safe and secure payments system which requires the Federal Reserve to continue to play a preeminent role in the Systems improvement.\n\nThe Community Reinvestment Act (CRA) needs to be updated to incorporate new financial products and services delivered in modern ways. Community banks have traditionally excelled in the performance of their CRA compliance and examinations. The modernization of the CRA must enhance the ability of community banks to serve their communities and must not impose any additional regulatory burden. All financial service providers must be subject to the CRA to provide a complete picture of financial institutions performance in serving their communities - including credit unions, Farm Credit System lenders and Fintechs (including the OCCs Special Purpose National Banks).\n\nThe Federal Deposit Insurance Corporation (FDIC) Deposit Rate Caps (Rate Caps) impact community banks ability to grow and thrive. The flaws in how the Rate Caps are calculated include: not reflecting competitive funding or investment opportunities; the largest banks extensive branch networks and their too-big-to-fail subsidies have an outsized influence on the Rate Caps; promotional and negotiated rates are excluded which present an incomplete picture of the deposit-rate landscape; and credit unions are omitted which wrongly ignores thousands of financial institutions that are similar to community banks. Also, during safety and soundness examinations for well capitalized banks, FDIC examiners are using the flawed Rate Caps as a benchmark in the analysis of bank liquidity, which inevitably results in faulty conclusions that can impact liquidity in a banks CAMELS rating.\n\nWithout taking a position on the legalization of cannabis, it is a matter of public safety to have a safe harbor from federal sanctions for financial institutions that choose to serve legally-compliant cannabis-related business in states where cannabis is legal. \n\nNewly chartered (de novo) community banks are vitally important to maintaining a strong, growing, evolving and vibrant banking profession in the face of industry consolidation. The Federal Deposit Insurance Corporation (FDIC) has indicated a change in direction to finally get back on the right course. These encouraging signs must be closely monitored to assure that many new banks are chartered each year to help maintain the vitality of the community banking profession.\n\nHand in hand with renewed de novo bank formation is the importance of maintaining the dual banking system, which has served our nation well for over 150 years, where chartering and supervision is divided between the federal government and the states.  Community banks should be able to choose the banking charter that best fits their unique business model.  A banking system with multi-agency (state and federal) regulators and charter choice provides the necessary checks and balances on the immense power of the regulators, as well as improved rulemaking - as the benefit of each agencies expertise and experience is brought to bear on complex and controversial issues. \n\nThe reform of the housing GSEs remains critically important to the future of the housing market and the U.S. economy. American homeowners have benefited from the critical role Fannie Mae and Freddie Mac have played in helping finance homeownership for many decades. The GSEs have provided a steady, reliable source of funding for home mortgage lending through all economic cycles and in all markets. Community banks depend on the GSEs for direct access to the secondary market without having to sell their loans through larger financial institutions that compete with them. The GSEs allow community banks to retain the servicing of the loans they sell, which helps to keep delinquencies and foreclosures low. And, unlike other private investors or aggregators, the GSEs have a mandate to serve all markets at all times which is critical to maintaining liquidity when the markets are experiencing financial stress.\n\nMost community banks are members and shareholders of their regional Federal Home Loan Bank (FHLB). The FHLBs provide short-term liquidity, long-term funding, mortgage-related products, and other financial services in order to help their members provide affordable credit to the local communities they serve. The regional structure, special functions and unique purpose of the FHLBs must be recognized and maintained by the Federal Housing Finance Agency (FHFA). As the Administration and Congress consider reforming the housing finance system, care must be taken not to harm the FHLBs. They must remain healthy, stable and reliable sources of funding for their members . However, given their unique relationship with thousands of community lenders, it may be appropriate for the FHLBs to support their members secondary market activities as aggregators or guarantors for residential mortgage loans, provided their current ability to serve their members is not impeded or threatened. Additionally, the FHFA should not impose an ongoing housing mission asset test on FHLB membership, which would undermine the reliability of FHLB funding. \n\nA vibrant agricultural and rural economy is vital to Americas prosperity.  The multi-year Farm Bill provided a strong safety net for farmers and ranchers including adequate price-protection programs and enhanced USDA-guaranteed farm and business loan programs. These programs must be protected from further cuts or adverse changes that would discourage farmer and rancher participation or undermine private-sector delivery. \n\nCommunity banks are strong guardians of the security and confidentiality of their customers information and are on the frontline of defending against cyber security threats. Core data security principals in legislation and regulations must include the complete cost of data breaches being borne by that party that caused the breach; all participants in the payment system should be subject to verifiable Gramm-Leach-Bliley Act-like data security standards; a national data security breach and notification standard should replace the current patchwork of state laws; and any new data security standard proposals should ensure that community banks are not burdened with having to reassess existing critical systems, and implement and comply with new regulations, only to achieve the same superior results they currently attain.\n\nRegulations promulgated by the Consumer Financial Protection Bureau CFPB must provide community banks with the flexibility to meet the needs of its customers and they must not be burdened with additional and unnecessary regulatory requirements that would prevent them from serving their customers and communities.  A one-size-fits-all approach to CFPB regulations harms the successful community bank business model. The CFPB should not be unduly influencing marketplace behavior by targeting financial institutions, products, services, and practices which it deems to be undesirable or inappropriate regardless of what consumers want. \n\nIn reforming the CFPB, the single Director governance should be replaced by a five-member board or commission; a broader definition of firms that grant credit should be subject to the CFPB rules, they should be robustly supervised and examined; and the focus of any enhanced regulation of financial products should be on the mega banks and financial firms, the unregulated shadow financial industry and emerging Fintech companies. \n\nThe CFPB, in the Dodd-Frank Act (Section 1022(b)(3)(A), has the statutory authority to exempt any class of providers [community banks] or any products or services from the rules it writes, but to-date the Bureau has been far too reticent to do so.  The effective use of this authority will ensure community banks continue to be a healthy alternative to large banks and non-banks for consumers seeking to use responsible financial service providers.\n\nThe Office of Comptroller of the Currency (OCC) intends to issue special purpose national banking charters to Fintech companies. The OCCs intentions, however, raise many concerns. The very legal authority permitting the OCC to charter Fintechs has been challenged by the Conference of State Bank Supervisors (CSBS) as being fatally flawed.  A single regulator acting unilaterally in the chartering, examining, supervising and regulating Fintechs is not in the best interests of the profession, consumers and the economy. Congress must provide the explicit statutory authority to charter Fintechs. If the OCC moves forward, it must guarantee that Fintechs will comply with all banking laws, rules and regulations, and that they be held to the same rigorous safety and soundness standards (e.g., supervision and regulation) that are currently being required of community banks and bank holding companies. Fintechs cannot have the advantages of a national bank charter with limited requirements, regulations and liability.  \n\nThe Financial Accounting Standards Board (FASB) has approved significant revisions to the way community banks reserve for their loan losses (i.e., the Current Expected Credit Loss (CECL) Model). After significant community banker input, FASB agreed to address community banker concerns and revised their Model proposal. The revised CECL is more flexible and scalable for community banks by allowing them to evaluate and adjust loan loss amounts using qualitative factors, historic losses, and their current operating systems such as spreadsheets, narratives and other noncomplex estimation methods. Community bankers and Congress must continue to be vigilant to assure the Model implementation provides a clear, practical and easy-to-use methodologies for calculating expected losses which can be seamlessly incorporated into existing processes for community banks.\n\nThere is an emerging threat to the security of consumer data from the proliferation of companies seeking to access bank customer account information (i.e., customer data sharing). The Consumer Financial Protection Bureau (CFPB) is responsible under the Dodd-Frank Act to promulgate this rule. While community banks support responsible innovation in financial products and services, the integrity of consumer data and privacy is only as strong as the weakest link. Community banks are financially sound and take great care in protecting consumer privacy, but non-bank entities are typically not well capitalized, have no significant assets and are financially unable to make restitution in the event of a loss. They must none-the-less be held responsible for ensuring the safety of the customer information they are accessing and be able to satisfy the liability for any financial harm which they cause community banks and their consumers.\n\nThe Consumer Financial Protection Bureaus (CFPB) small-dollar lending rule was intended to address its concerns about consumer abuse caused by payday and vehicle title lenders.  The proposed rule was too broadly drafted and would have ensnared sensible community bank small-dollar consumer lending. Some exemptions were granted for community banks after a burdensome rulemaking process. Subsequently, the new CFPB Director proposed eliminating the underwriting provision, and the delay in the payment provision was continued by a U.S. District Judge. A carefully monitoring and appropriate action will be required, as the implementation of the rule unfolds, to minimize any negative impact on community banks small-dollar consumer lending. \n\nWhile community banks represent less than 20% of banking industry assets, they make 60% of the small business loans and 80% of agricultural loans. The requirement for reporting small business data collection stems from Section 1071 of the Dodd-Frank Act and is meant to facilitate the enforcement of fair lending laws in small business lending. The data, however, clearly suggests fair lending is not a problem at community banks as they treat their customers honestly and fairly. The regulatory burden of the collection and reporting requirements fall disproportionately hard on community banks that lack scale and compliance resources, and Section 1071 should either be repealed or community banks should be provided with a meaningful exception.\n\nFraud losses are increasing at community banks and Reg CC needs to keep pace with the technology that banks and their customers are using, both now and particularly as the payments system transitions to real-time. All banks, credit unions, and others who utilize the payments system should be operating on the same level playing field when it comes to return reasons for fraud and acknowledging and communicating about fraud.\n\nThe recent financial crisis, taxpayer bail-outs and subsequent recession was caused by the misconduct of the nations largest banks and financial firms (Too-Big-To-Fail Banks and Financial Firms). The Dodd-Frank Act was intended to reign-in their destructive behavior. Unfortunately, this was an inadequate legislative and regulatory response which has allowed these financial behemoths to grow in size, complexity and influence; they will continue to abuse their consumers; and they remain a significant threat to our financial system and economy. These megabanks have proven, at great cost to American taxpayers, that they cannot be effectively managed, supervised or disciplined. They are clearly too-big-to-change, too-big-to-fail and must be downsized. \n(House, Senate, FDIC, CFPB, Federal Reserve)\n\nLegislation -\n\nEnhances Credit Opportunities in Rural America (ECORA) (H.R. 1872 and S.1641) (All Sections), interest earned on agricultural real estate and rural single family home loans would not be taxable (House and Senate)\n\nPayments Modernization Act of 2019 (S.2243) (All Sections), regarding the Federal Reserve Systems role in faster (real-time) payments (Senate) \n\nSafe and Fair Enforcement Banking Act of 2019 (SAFE Act) (H.R. 1595) (All Sections), safe harbor for banking cannabis related businesses (House)\n\n\nLetters -\n\nComment Letter to the IRS regarding Internal Revenue Code section 481(d), added to section 13543 of the Tax Cuts and Jobs Act (TCJA), Pub. L. No. 115-97 dealing with the treatment of section 481(a) adjustments that result when an S corporation terminates its S election and converts to a C corporation during the two year period beginning on the date of enactment of the TCJA, and where the change in status requires the taxpayer to change from the cash method of accounting to the accrual method. (IRS)\n\n\nAction Alerts -\n\nAction Alerts (two) regarding tax-exempt credit unions purchasing taxpaying community banks (House and Senate)\n\n\nMiscellaneous -\n\nTax-exempt credit unions purchasing taxpaying community banks (House and Senate, Federal Reserve, CFPB, FDIC,)\n\nThe Federal Reserve Systems role in faster payments (real-time payments). (House and Senate, FDIC, CFPB, Federal Reserve)\n\nMichelle Bowmans nomination to the Federal Reserve Board (Senate)", "Consumer Financial Protection Bureau (CFPB),Federal Deposit Insurance Corporation (FDIC),Federal Reserve System,HOUSE OF REPRESENTATIVES,Internal Revenue Service (IRS),SENATE", null, 60000, 0, 0, "2019-10-11T11:44:15.973000-04:00"], [2340685, "d8f99e63-9a96-41f3-a600-e65adde1ad93", "Q3", "THE SHERIDAN GROUP", 35150, "FINANCIAL SERVICES FORUM", 2019, "third_quarter", "BAN", "Banking collaboration", "HOUSE OF REPRESENTATIVES,SENATE", 30000, null, 0, 0, "2019-10-11T14:07:27.483000-04:00"], [2340687, "1364ff26-957f-4278-9cb2-dd2fbe5f661e", "3T", "O'ROURKE & NAPPI, LLP", 401103400, "ADS ALLIANCE DATA SYSTEMS", 2019, "third_quarter", "BAN", "Issues related to regulation of credit card activities.", "HOUSE OF REPRESENTATIVES,SENATE", 50000, null, 0, 1, "2019-10-11T14:10:29.517000-04:00"], [2340748, "5924a6c1-c3c6-4b53-b3a2-863e2624c510", "Q3", "M&T BANK CORPORATION", 401104858, "M&T BANK CORPORATION", 2019, "third_quarter", "BAN", "payments systems; The COUNTER Act; Small business lending; The SAFE Banking Act; other banking regulations.", "HOUSE OF REPRESENTATIVES,SENATE", null, 170000, 0, 0, "2019-10-11T14:32:57.373000-04:00"], [2340838, "b146a6a9-7769-43c8-a300-284b18d22c00", "Q3", "COMMERCE BANK", 400728185, "COMMERCE BANK", 2019, "third_quarter", "BAN", "Marijuana Banking, CECL, arbitrary regulatory thresholds", "HOUSE OF REPRESENTATIVES,SENATE", null, null, 0, 0, "2019-10-11T15:43:54.583000-04:00"], [2340915, "7ae895fe-8282-4001-a516-896e2a741cba", "Q3", "CHRISTOPHERSEN INC", 401105404, "SOCATI", 2019, "third_quarter", "BAN", "Safe Banking Act HR1595\n\ncannabis, manufacturing, economic development, consumer issues product safety, food industry/safety/labeling, medical/disease research/clinical labs, small business, agriculture", "Administration for Children & Families (ACF),Agriculture, Dept of (USDA),HOUSE OF REPRESENTATIVES,SENATE", null, null, 0, 0, "2019-10-12T14:18:03.840000-04:00"], [2341060, "4533b6f8-f722-43fe-bb28-81ef311c50ee", "Q3", "SQUIRE PATTON BOGGS", 30906, "FENICIA BANK SAL", 2019, "third_quarter", "BAN", "International banking laws and regulations, including compliance with US sanctions.", "HOUSE OF REPRESENTATIVES,SENATE", null, null, 0, 0, "2019-10-14T09:51:38.120000-04:00"], [2341073, "14d9e658-960f-45ec-87e8-6a3ee33115e4", "Q3", "AGVANTAGE LLC", 69071, "AMERICAN SOCIETY OF FARM MANAGERS AND RURAL APPRAISERS", 2019, "third_quarter", "BAN", "None", null, null, null, 0, 0, "2019-10-14T10:00:45.677000-04:00"], [2341288, "010abba3-aa20-4b86-9b28-9d0ccaf1bb59", "Q3", "KENNETH GEAR", 400384772, "LEADING BUILDERS OF AMERICA", 2019, "third_quarter", "BAN", "No bill number: Mortgage Finance Reform\nNo Bill number: Supporting policy to allow FHFA to build capital reserves\nNo bill number: Policies related to access to mortgage credit\nH.R. 2210 Invest in America Act", "Environmental Protection Agency (EPA),Federal Housing Finance Agency (FHFA),HOUSE OF REPRESENTATIVES,Housing & Urban Development, Dept of (HUD),SENATE", 100000, null, 0, 0, "2019-10-14T11:55:07.433000-04:00"], [2341315, "ce60370d-597b-4187-8fdf-d4ac2f5163e2", "Q3", "MCDERMOTT WILL & SCHULTE LLP", 24338, "AMERICAN COALITION FOR TAXPAYER RIGHTS", 2019, "third_quarter", "BAN", "Legislation and regulation related to the provision or facilitation of tax services and related financial products. Addressing tax reform issues regarding personal income tax preparation and regulation. Taxpayer First Act (H.R. 3151).", "Federal Reserve System,HOUSE OF REPRESENTATIVES,Internal Revenue Service (IRS),SENATE,Treasury, Dept of", 40000, null, 0, 0, "2019-10-14T12:24:17.413000-04:00"], [2341325, "6de00761-0190-4b8c-af95-3fafb54b16be", "Q3", "MCDERMOTT WILL & SCHULTE LLP", 24338, "SANTA BARBARA TAX PRODUCTS GROUP", 2019, "third_quarter", "BAN", "Legislation and agency regulation concerning tax time financial products, including but not limited to prepaid debit cards.", "HOUSE OF REPRESENTATIVES,SENATE", null, null, 0, 0, "2019-10-14T12:33:20.497000-04:00"], [2341344, "05a0ecb0-157d-4475-ae61-bbc2b9834105", "Q3", "I STREET ADVOCATES", 51753, "PAYPAL", 2019, "third_quarter", "BAN", "financial technology policy; small business and consumer protection issues", "HOUSE OF REPRESENTATIVES,SENATE", 20000, null, 0, 0, "2019-10-14T12:45:28.650000-04:00"], [2341364, "2ec28c2e-9ade-4659-8462-b2e155ba72ce", "Q3", "LOWE'S COMPANIES INC.", 312678, "LOWE'S COMPANIES INC.", 2019, "third_quarter", "BAN", "interchange and data privacy", "Consumer Product Safety Commission (CPSC),Energy, Dept of,Environmental Protection Agency (EPA),HOUSE OF REPRESENTATIVES,Housing & Urban Development, Dept of (HUD),SENATE,White House Office", null, 180000, 0, 0, "2019-10-14T13:05:36.947000-04:00"], [2341416, "9ef7ef85-9d00-4c11-901c-45c7f72f4725", "Q3", "EASTMAN CHEMICAL COMPANY", 13005, "EASTMAN CHEMICAL COMPANY", 2019, "third_quarter", "BAN", "Corporate governance", "HOUSE OF REPRESENTATIVES,SENATE", null, 550000, 0, 0, "2019-10-14T13:46:56.213000-04:00"], [2341430, "d1917193-e3c2-4699-b05e-1ec0a7201693", "Q3", "SQUIRE PATTON BOGGS", 30906, "IBL BANK SAL", 2019, "third_quarter", "BAN", "International banking issues", "HOUSE OF REPRESENTATIVES,SENATE", null, null, 0, 0, "2019-10-14T14:02:01.867000-04:00"], [2341500, "ca67407a-7e50-42a5-b251-a38c925c0dda", "Q3", "THE LIAISON GROUP, LLC", 401104378, "CALIFORNIA CANNABIS INDUSTRY ASSOCIATION", 2019, "third_quarter", "BAN", "HR 1595: SAFE Banking Act \n\nThe ability to use US financial institutions for banking is essential to ensure the safety of the cannabis industry and cannabis consumers. Without access to banking, companies are forced to maintain large amounts of cash on hand, pay employees and vendors in cash, and use cash to pay taxes. All of this creates an untenable situation where the safety of consumers, employees and companies is at risk.", "HOUSE OF REPRESENTATIVES,SENATE", 24000, null, 0, 0, "2019-10-14T14:41:23.010000-04:00"], [2341537, "ae446870-8075-44ef-8727-de4fce3af4ab", "Q3", "THE LIAISON GROUP, LLC", 401104378, "NATIONAL CANNABIS ROUNDTABLE", 2019, "third_quarter", "BAN", "HR 1595 SAFE Banking Act \n\nWe support the Secure and Fair Enforcement (SAFE) Banking Act, which\nwould ensure that lawful and regulated cannabis businesses have access to banking\nand capital markets, while ensuring that safe and sound financial standards and\nprocedures remain in place for the financial institutions interested in offering services to\nthis marketplace. We urge Congress to provide states with the means to bank, track\nand tax this inevitable and significant economy.", "HOUSE OF REPRESENTATIVES,SENATE", 55000, null, 0, 0, "2019-10-14T14:53:39.570000-04:00"], [2341679, "f730c03d-7737-44ef-9b26-d8e8f2752a3a", "Q3", "RICH FEUER ANDERSON", 84775, "BLACKROCK FUNDS SERVICES GROUP LLC (FORMERLY BLACKROCK CAPITAL MANAGEMENT INC.)", 2019, "third_quarter", "BAN", "Regulation of asset managers as systemically important financial institutions.  Regulation of money market funds, including S.733 and H.R.4492, the \"Consumer Financial Choice and Capital Markets Protection Act of 2019.\"", "HOUSE OF REPRESENTATIVES,Securities & Exchange Commission (SEC),SENATE", 80000, null, 0, 0, "2019-10-14T16:33:43.847000-04:00"], [2341701, "90fb8f86-a45b-499e-bced-af9174e8cbc5", "Q3", "RICH FEUER ANDERSON", 84775, "SWIFT, INC.", 2019, "third_quarter", "BAN", "Imposition of sanctions on financial messaging services with respect to institutions in other countries.", "HOUSE OF REPRESENTATIVES,SENATE", 60000, null, 0, 0, "2019-10-14T17:08:54.580000-04:00"], [2341716, "08849919-7b71-47c2-b1c4-9accd44c78cb", "Q3", "THE BRIGHTUP GROUP LLC", 400419998, "INTERNATIONAL HOUSEWARES ASSOCIATION", 2019, "third_quarter", "BAN", "Commercial Bankruptcy Reform Enhancements - Preferences (Section 547).", "HOUSE OF REPRESENTATIVES,SENATE,U.S. Trade Representative (USTR)", 10000, null, 0, 0, "2019-10-14T17:58:59.390000-04:00"], [2341819, "49489f0c-4686-45a4-ad98-70af428b6b1d", "3T", "SUSAN PLATT", 59411, "COALITION FOR INVESTOR CHOICE, INC.", 2019, "third_quarter", "BAN", "Consumer Financial Choice and Capital Markets Protection Act", "HOUSE OF REPRESENTATIVES,SENATE", null, null, 0, 1, "2019-10-15T09:39:53.843000-04:00"], [2341839, "172f51d1-9cbb-4d6b-8045-1b450c5d5525", "Q3", "MANUFACTURED HOUSING INSTITUTE", 23714, "MANUFACTURED HOUSING INSTITUTE", 2019, "third_quarter", "BAN", "Revise the Truth in Lending Acts implementing regulation, Regulation Z, to align with Public Law 115-174.\n\nImplement the duty to serve requirements contained in the Housing and Economic Recovery Act of 2008 for manufactured housing. (Public Law: 110-289). \n\nFHA Title I and Title II loan insurance programs.", "Commerce, Dept of (DOC),Consumer Financial Protection Bureau (CFPB),Energy, Dept of,Federal Emergency Management Agency (FEMA),Federal Housing Finance Agency (FHFA),HOUSE OF REPRESENTATIVES,Housing & Urban Development, Dept of (HUD),Labor, Dept of (DOL),SENATE", null, 318000, 0, 0, "2019-10-15T10:03:59.380000-04:00"], [2341993, "78ad6acc-0c61-461d-8d96-1ec5b66809cb", "Q3", "SQUIRE PATTON BOGGS", 30906, "MEAB SAL", 2019, "third_quarter", "BAN", "International banking laws and regulations, including compliance with US sanctions.", "HOUSE OF REPRESENTATIVES,SENATE,State, Dept of (DOS),Treasury, Dept of", 60000, null, 0, 0, "2019-10-15T11:03:52.637000-04:00"], [2342114, "343b54c9-d3fd-40ea-b75f-6745394b67d7", "Q3", "WINNING STRATEGIES WASHINGTON", 50796, "PRUDENTIAL", 2019, "third_quarter", "BAN", "Regulatory legislation", "HOUSE OF REPRESENTATIVES,SENATE", 20000, null, 0, 0, "2019-10-15T11:26:41.567000-04:00"], [2342205, "e036d924-c722-4807-9ec2-2c894d4f9fa5", "Q3", "PAYPAL, INC.", 401103770, "PAYPAL INC", 2019, "third_quarter", "BAN", "Cannabis banking (SAFE ACT)\nIssues related to AML and BSA reform and modernization\nIssues related to mobile payments\nIssues related to underserved and underbanked communities\nIssues related to small business lending, access to capital, online and marketplace lending\nIssues related to consumer credit\nIssues related to money transmission and money service businesses", "HOUSE OF REPRESENTATIVES,SENATE,Treasury, Dept of,U.S. Trade Representative (USTR)", null, 214209, 0, 0, "2019-10-15T11:46:08.320000-04:00"], [2342475, "45ef7074-4b11-43ad-a081-982e78b3b438", "Q3", "FEDERAL RESOURCES GROUP", 400708124, "INVESTMENT COMPANY INSTITUTE", 2019, "third_quarter", "BAN", "Implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act; Implementation of the Economic Growth, Regulatory Relief and Consumer Protection Act; S. 602 - Financial Stability Oversight Council Improvement Act of 2019", "SENATE", 10000, null, 0, 0, "2019-10-15T13:24:37.440000-04:00"], [2342602, "86ac367f-e820-493a-bf04-7d5021ba8b7d", "Q3", "CALIFORNIA AND NEVADA CREDIT UNION LEAGUES", 7725, "CALIFORNIA AND NEVADA CREDIT UNION LEAGUES", 2019, "third_quarter", "BAN", "Credit union products and services; Community Reinvestment Act, pay day and courtesy pay lending; data and payment security issues; Bank Secrecy Act; Federal Credit Union Act and Charter; Community Development Financial Institutions;Home Mortgage Disclosure Act; Low-Income Designation for credit unions; Property Assessed Clean Energy (PACE) financing. H.R. 1595 Cannabis Banking Safe Harbor; Consumer Financial Protection Bureau (CFPB) and related issues; Credit Union lending during Government Closure. H.R. 1661.", "Consumer Financial Protection Bureau (CFPB),Federal Trade Commission (FTC),HOUSE OF REPRESENTATIVES,Justice, Dept of (DOJ),Natl Credit Union Administration (NCUA),SENATE", null, 110000, 0, 0, "2019-10-15T14:22:21.303000-04:00"], [2342638, "8590ae1a-ce88-4bc2-b731-e3e8d36ce3d9", "Q3", "BAILEY & EHRENBERG PLLC", 400279340, "INTERNATIONAL ASSOCIATION OF PROFESSIONAL NUMISMATISTS", 2019, "third_quarter", "BAN", "HR 2514, Sec. 110. Study and strategy on trade-based money laundering.", "HOUSE OF REPRESENTATIVES,SENATE,State, Dept of (DOS),U.S. International Trade Commission (ITC),U.S. Trade Representative (USTR)", null, null, 0, 0, "2019-10-15T14:29:31.373000-04:00"], [2342666, "145b37bd-07ce-486e-8829-7d84a6b9611d", "Q3", "BAILEY & EHRENBERG PLLC", 400279340, "PROFESSIONAL NUMISMATISTS GUILD", 2019, "third_quarter", "BAN", "HR 2514, Sec. 110. Study and strategy on trade-based money laundering.", "HOUSE OF REPRESENTATIVES,SENATE,State, Dept of (DOS),U.S. International Trade Commission (ITC),U.S. Trade Representative (USTR)", null, null, 0, 0, "2019-10-15T14:38:43.803000-04:00"], [2342691, "13510f70-0f2e-482d-b3cb-72d2a71161d1", "Q3", "BAILEY & EHRENBERG PLLC", 400279340, "GLOBAL HERITAGE ALLIANCE, INC.", 2019, "third_quarter", "BAN", "HR 2514, bill to require antiquities dealers to comply with AML regulations under the Bank Secrecy Act.", "HOUSE OF REPRESENTATIVES,SENATE,State, Dept of (DOS),U.S. Trade Representative (USTR)", 9000, null, 0, 0, "2019-10-15T14:44:51.917000-04:00"], [2342895, "03001ee8-1a83-4cd5-b163-72da61d9ae5b", "Q3", "STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY", 36537, "STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY", 2019, "third_quarter", "BAN", "Implementation and modification of P.L. 111-203, the Dodd-Frank Wall Street Reform and Consumer Protection Act. P.L. 113-279 and the Insurance Capital Standards Clarification Act of 2014, whose provisions relate to, among other things, capital and accounting standards regulation for insurance-based savings and loan holding companies and insurers. This includes efforts relating to a September 6, 2019 Federal Reserve Board invitation for public comment  on a proposal to establish such capital standards.\n\nMonitoring development of regulatory reform legislation for banks, and insurers, including reform efforts impacting the thrift charter and treatment of brokered deposits.\n\nH.R. 907, to clarify the treatment of bank deposits generated through exclusive arrangement with independent contractor agents.\n\nIssues related to federal data security and breach notification standards for insurance and financial institutions.", "Federal Deposit Insurance Corporation (FDIC),Federal Reserve System,HOUSE OF REPRESENTATIVES,Securities & Exchange Commission (SEC),SENATE,Transportation, Dept of (DOT),Treasury, Dept of", null, 530000, 0, 0, "2019-10-15T15:18:44.213000-04:00"], [2342906, "9a24cd3d-a8dd-4e11-ad42-0e98e2b6e105", "Q3", "AMERICAN ASSOCIATION OF PORT AUTHORITIES", 1683, "AMERICAN ASSOCIATION OF PORT AUTHORITIES", 2019, "third_quarter", "BAN", "The Terrorism Risk Insurance Program Reauthorization Act (TRIPRA) of 2019.", "Army, Dept of (Corps of Engineers),Commerce, Dept of (DOC),Defense, Dept of (DOD),Environmental Protection Agency (EPA),Federal Emergency Management Agency (FEMA),Homeland Security, Dept of (DHS),HOUSE OF REPRESENTATIVES,Office of Management & Budget (OMB),SENATE,Transportation, Dept of (DOT),Transportation Security Administration (TSA),U.S. Customs & Border Protection,U.S. Trade Representative (USTR)", null, 277448, 0, 0, "2019-10-15T15:21:47.120000-04:00"], [2342937, "88429bbd-bcc8-4fc6-9ba0-cf1507637ae4", "Q3", "THE CAPITAL GROUP COMPANIES, INC. AND ITS AFFILIATES", 401103539, "THE CAPITAL GROUP COMPANIES, INC. AND ITS AFFILIATES", 2019, "third_quarter", "BAN", "Retirement security, proposed fiduciary standards, FSOC regulation of nonbanks.", "Education, Dept of,HOUSE OF REPRESENTATIVES,Securities & Exchange Commission (SEC),SENATE,Treasury, Dept of", null, 450000, 0, 0, "2019-10-15T15:26:52.033000-04:00"], [2343083, "6806cea0-a944-412d-81ae-a5e6f42fbda5", "Q3", "NATIONAL ASSOCIATION FOR COLLEGE ADMISSION COUNSELING", 54916, "NATIONAL ASSOCIATION FOR COLLEGE ADMISSION COUNSELING", 2019, "third_quarter", "BAN", "Student loans, Mandatory arbitration clauses", "Consumer Financial Protection Bureau (CFPB),Education, Dept of,Federal Trade Commission (FTC),HOUSE OF REPRESENTATIVES,SENATE", null, 40000, 0, 0, "2019-10-15T16:08:40.483000-04:00"], [2343104, "749b97aa-2256-41bb-a132-3f3fc05c15c6", "Q3", "RICH FEUER ANDERSON", 84775, "LONDON STOCK EXCHANGE GROUP PLC", 2019, "third_quarter", "BAN", "Regulation of securities indices, regulation of derivative instruments, regulation and capitalization of 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