{"database": "lobbying", "table": "lobbying_activities", "is_view": false, "human_description_en": "where filing_period = \"third_quarter\", filing_year = 2024 and issue_code = \"SMB\" sorted by filing_year descending", "rows": [[3231617, "4ea209d1-3c27-49c1-a0b2-08e76dddf857", "Q3", "CHENEGA CORPORATION", 400316482, "CHENEGA CORPORATION", 2024, "third_quarter", "SMB", "Alaska Native Corporations Procurement", "HOUSE OF REPRESENTATIVES,SENATE", null, 62500, 0, 0, "2024-10-01T10:30:05-04:00"], [3231759, "3790642d-1bc7-4f90-9214-c9d47b21f348", "3T", "ASCEND CONSULTING", 401106328, "THISTLE FARMS", 2024, "third_quarter", "SMB", "Anti-Human Trafficking Legislation", "HOUSE OF REPRESENTATIVES,SENATE", null, null, 0, 1, "2024-10-01T16:00:12-04:00"], [3231823, "eab7e8df-2be8-4731-99d4-215e08d0dd47", "Q3", "HOLLAND & KNIGHT LLP", 18466, "DOVETAIL SOLUTIONS INC. ON BEHALF OF AD HOC LENDER GROUP", 2024, "third_quarter", "SMB", "Enforcement of SBA guarantee under the Paycheck Protection Program.", "HOUSE OF REPRESENTATIVES,Small Business Administration (SBA),Treasury, Dept of,White House Office", 110000, null, 0, 0, "2024-10-02T07:12:30-04:00"], [3232029, "a8b756e5-eeef-43b8-8003-eafadc992020", "Q3", "D&P CREATIVE STRATEGIES, LLC", 304554, "DOORDASH", 2024, "third_quarter", "SMB", "Restaurant relief Minority owned small businesses", null, 60000, null, 0, 0, "2024-10-02T13:59:18-04:00"], [3232057, "c36bf8e7-8d02-48bb-afd7-c43e172755a8", "Q3", "DAVIDOFF HUTCHER & CITRON, LLP", 11628, "MADELAINE CHOCOLATE COMPANY", 2024, "third_quarter", "SMB", "Continued support for funding to restore Madelaine's facilities following damage to its plant by Hurricaine Sandy.", "HOUSE OF REPRESENTATIVES,SENATE,Small Business Administration (SBA)", 20000, null, 0, 0, "2024-10-02T14:40:08-04:00"], [3232058, "5047a9e3-9bfd-427d-b1df-f8d535c55d8b", "Q3", "DAVIDOFF HUTCHER & CITRON, LLP", 11628, "BROOKLYN CHAMBER OF COMMERCE", 2024, "third_quarter", "SMB", "Discussions with Congress and Federal Agencies on grants and assistance for programs that support small business development in Brooklyn.", "Commerce, Dept of (DOC),HOUSE OF REPRESENTATIVES,Labor, Dept of (DOL),SENATE,Small Business Administration (SBA)", 20000, null, 0, 0, "2024-10-02T14:42:11-04:00"], [3232084, "09e171b7-0dea-4514-8d80-cf7beedad4f4", "3T", "DAVIDOFF HUTCHER & CITRON, LLP", 11628, "NEUMAN'S KITCHEN, INC.", 2024, "third_quarter", "SMB", "Repayment of disaster loans.", "HOUSE OF REPRESENTATIVES,SENATE,Small Business Administration (SBA)", null, null, 0, 1, "2024-10-02T15:05:42-04:00"], [3232170, "1760c3a5-c738-43fc-b2de-49fc5bb5469b", "Q3", "CHUGACH ALASKA CORPORATION", 401106660, "CHUGACH ALASKA CORPORATION", 2024, "third_quarter", "SMB", "SBA oversight (8a Program) FY25 NDAA (contracting initiatives) SBA re-authorization", "HOUSE OF REPRESENTATIVES,SENATE", null, 92500, 0, 0, "2024-10-03T08:56:55-04:00"], [3232261, "a3049516-3add-45b9-8719-58d8f411e166", "Q3", "THE HARRIS FIRM", 68376, "HOLISTIC INDUSTRIES INC.", 2024, "third_quarter", "SMB", "Issues related to cannabis becoming eligible for safe harbor banking, decriminalization and social equity and interstate commerce. Issues pertaining to hemp as an intoxicating product.", "Drug Enforcement Administration (DEA),Food & Drug Administration (FDA),Health & Human Services, Dept of (HHS),HOUSE OF REPRESENTATIVES,Justice, Dept of (DOJ),SENATE", 50000, null, 0, 0, "2024-10-03T11:16:10-04:00"], [3232545, "341106ac-1daf-4097-b448-a1a1fd5e0b82", "Q3", "ID.ME, LLC", 401106324, "ID.ME, LLC", 2024, "third_quarter", "SMB", "General education on ID.me's past and present work on identity verification solutions with federal agencies; analysis on domestic and foreign fraud vectors; perspective on contributing factors of pandemic and benefits-related fraud.", "HOUSE OF REPRESENTATIVES,SENATE", null, 200000, 0, 0, "2024-10-04T13:54:00-04:00"], [3232689, "485492a0-8e74-4896-9639-692054a9d420", "Q3", "MARSHALL BRACHMAN", 6848, "ZIONS BANCORP", 2024, "third_quarter", "SMB", "monitor for legislation affecting small business loans monitor PPP legislation", "HOUSE OF REPRESENTATIVES,SENATE", 52500, null, 0, 0, "2024-10-04T16:47:21-04:00"], [3232781, "277b5c5b-c867-41a6-802f-319fc6e04672", "Q3", "NATIONAL CLUB ASSOCIATION", 27423, "NATIONAL CLUB ASSOCIATION", 2024, "third_quarter", "SMB", "Impact of federal regulations Small Business Administration", "HOUSE OF REPRESENTATIVES,SENATE", null, 20000, 0, 0, "2024-10-05T16:29:06-04:00"], [3232841, "662d2af6-796e-4c2d-9126-2bc30a77eaf1", "3T", "HOLLAND & KNIGHT LLP", 18466, "DOVETAIL SOLUTIONS INC. ON BEHALF OF AD HOC LENDER GROUP", 2024, "third_quarter", "SMB", "Enforcement of SBA guarantee under the Paycheck Protection Program.", "HOUSE OF REPRESENTATIVES,Small Business Administration (SBA),Treasury, Dept of,White House Office", 110000, null, 0, 1, "2024-10-06T14:03:33-04:00"], [3232928, "54c18ff8-1d2c-45f5-9819-02ca2f56fc96", "Q3", "AMERICAN BUS ASSOCIATION", 1843, "AMERICAN BUS ASSOCIATION", 2024, "third_quarter", "SMB", "Monitoring legislative activity, generally, for matters that affect small business entities; tracking Dept. of Labor regulations addressing overtime pay thresholds and heat standards; Dept. of Treasury's FinCEN Corporate Transparency Act regulation on beneficial ownership reporting.", "Small Business Administration (SBA)", null, 45000, 0, 0, "2024-10-07T09:19:11-04:00"], [3233089, "864e99db-1067-4430-86c7-ab02366a48e5", "Q3", "AGORA CONSULTING, LLC", 401105797, "AMERICAN CULTURAL RESOURCES ASSN", 2024, "third_quarter", "SMB", "General small business issues", "HOUSE OF REPRESENTATIVES,SENATE", 13500, null, 0, 0, "2024-10-07T12:39:18-04:00"], [3233139, "637f6a4d-e44c-411f-a9c8-b41624e03fd7", "Q3", "TREATED WOOD COUNCIL", 90853, "TREATED WOOD COUNCIL", 2024, "third_quarter", "SMB", "Regulatory Flexibility Act HR 7198, Prove It Act", "HOUSE OF REPRESENTATIVES", null, null, 0, 0, "2024-10-07T14:21:12-04:00"], [3233192, "3cfd5d6b-9ba2-4b6c-aaac-482c42b342a8", "Q3", "SMALL BUSINESS INVESTOR ALLIANCE", 27126, "SMALL BUSINESS INVESTOR ALLIANCE", 2024, "third_quarter", "SMB", "Support inflation adjuster for SEC registered investment advisors. Support inflation adjuster for SBIC leverage Farm bill changes to allow RBIC access to leverage at the USDA Engage Congress on expired small business tax provisions Support technical changes to SBIC program to increase investment in national security focused, manufacturing and underserved businesses Tax treatment parity of BDCs, REITs, and publicly-traded partnerships Support changes to the SEC's acquired fund fees and expenses rule for BDCs Community Reinvestment Act Support the passage of the Investing in Main Street Act. Regulatory changes to the SBIC program at SBA Engage with Treasury Department on technical corrections to the Corporate Transparency Act. Engage with Congress and regulators on impact of Basel 3 proposal", "Agriculture, Dept of (USDA),Federal Deposit Insurance Corporation (FDIC),Federal Reserve System,HOUSE OF REPRESENTATIVES,Internal Revenue Service (IRS),Labor, Dept of (DOL),Natl Economic Council (NEC),Office of the Comptroller of the Currency (OCC),Securities & Exchange Commission (SEC),SENATE,Small Business Administration (SBA),Treasury, Dept of", null, 195000, 0, 0, "2024-10-07T15:58:43-04:00"], [3233602, "52925b18-47b5-4f3f-b776-2648f0804015", "Q3", "ACG ADVOCACY", 2057, "OUTDOOR INDUSTRY ASSOCIATION (OIA)", 2024, "third_quarter", "SMB", "Various policy issues impacting the outdoor industry, including but not limited to recreation policy, public lands, conservation, business, and trade.", "HOUSE OF REPRESENTATIVES,SENATE", 20000, null, 0, 0, "2024-10-08T14:18:33-04:00"], [3233618, "9b919fc8-9690-4ac5-a69f-18e2fba9f730", "Q3", "NATIONAL ROOFING CONTRACTORS ASSOCIATION", 28504, "NATIONAL ROOFING CONTRACTORS ASSOCIATION", 2024, "third_quarter", "SMB", "Oppose the ENABLERS Act Support the Protecting Small Business Information Act (H.R. 4035) Support the Repealing Big Brother Overreach Act (H.R. 8147/S. 4297) Support the Protect Small Business and Prevent Illicit Financial Activity Act (H.R. 5119/S. 3625)", "HOUSE OF REPRESENTATIVES,SENATE,Small Business Administration (SBA)", null, 200000, 0, 0, "2024-10-08T14:25:32-04:00"], [3233626, "84762bd1-5d6a-41aa-8be6-a7515b93627a", "Q3", "ACG ADVOCACY", 2057, "7 ELEVEN, INC.", 2024, "third_quarter", "SMB", "Small business and franchising.", "HOUSE OF REPRESENTATIVES,SENATE", 30000, null, 0, 0, "2024-10-08T14:27:23-04:00"], [3233654, "4abc1405-1f77-468f-b080-5a7ab5e2adea", "Q3", "AMERICAN FINANCIAL SERVICES ASSOCIATION", 2354, "AMERICAN FINANCIAL SERVICES ASSOCIATION", 2024, "third_quarter", "SMB", "CFPB rule 1071 specifically as directed to auto lending", "Consumer Financial Protection Bureau (CFPB),HOUSE OF REPRESENTATIVES,SENATE,Small Business Administration (SBA),Treasury, Dept of", null, 280000, 0, 0, "2024-10-08T14:36:43-04:00"], [3233877, "3f40abc4-694f-48b7-86b5-8abc5bbce018", "Q3", "MS. LILLIAN SPARKS", 401106376, "REDDING RANCHERIA", 2024, "third_quarter", "SMB", "8(a) small business development application", "Small Business Administration (SBA)", 5625, null, 0, 0, "2024-10-08T21:53:35-04:00"], [3234020, "f235e353-8a73-4944-9593-837e3262a4b7", "3T", "JAMES EDWARDS", 401027897, "NATIONAL ASSOCIATION OF SMALL TRUCKING COMPANIES", 2024, "third_quarter", "SMB", "H.R. 9632 (Capital Access for Small Businesses Harmonization (CASH) Act)", "HOUSE OF REPRESENTATIVES", 19000, null, 0, 1, "2024-10-09T10:22:20-04:00"], [3234319, "b7e54543-eb87-4107-b591-7a5da6db92a4", "Q3", "CASSIDY & ASSOCIATES, INC.", 8453, "PARTS LIFE, INC.", 2024, "third_quarter", "SMB", "HUBZONE policy", "HOUSE OF REPRESENTATIVES,SENATE", 30000, null, 0, 0, "2024-10-09T15:22:12-04:00"], [3234324, "a0bba404-bc66-464e-aef8-a8f98d9a4345", "Q3", "MERCURY PUBLIC AFFAIRS, LLC", 70175, "ALIBABA GROUP HOLDING LIMITED", 2024, "third_quarter", "SMB", "Technology policy issues; access to U.S. capital markets; issues related to e-commerce; small- and medium-sized enterprise export promotion", "Commerce, Dept of (DOC),State, Dept of (DOS),Treasury, Dept of,White House Office", 80000, null, 0, 0, "2024-10-09T15:32:29-04:00"], [3234489, "85a36e7a-8bbf-499d-a964-6c627e4eb4df", "Q3", "INTERNATIONAL ASSOCIATION OF REFRIGERATED WAREHOUSES", 400418988, "INTERNATIONAL ASSOCIATION OF REFRIGERATED WAREHOUSES", 2024, "third_quarter", "SMB", "H.R.9278 - To amend section 5336 of title 31, United States Code, to provide existing small businesses with an additional year to file beneficial ownership information, and for other purposes. All provisions.", "HOUSE OF REPRESENTATIVES,SENATE", null, 20000, 0, 0, "2024-10-09T20:08:59-04:00"], [3234629, "33def917-01d4-415c-9f8e-8d290029fdad", "Q3", "NATIONAL ASSOCIATION OF DEVELOPMENT COMPANIES", 400577738, "NATIONAL ASSOCIATION OF DEVELOPMENT COMPANIES", 2024, "third_quarter", "SMB", "Debt Refinancing in the 504 Loan Program (RIN 3245-AH78) Affiliation and Lending Criteria for the SBA Business Loan Programs (RIN 3245-AH87) Small Business Lending Company (SBLC) Moratorium Rescission and Removal of the Requirement for a Loan Authorization (RIN 3245-AH92) 504 Modernization and Small Manufacturer Enhancement Act of 2023 (S. 1352) 504 Credit Risk Management Improvement Act of 2023 (S. 1345) 504 Program Level Flexibility Act (draft) 504 Green Energy Policy Goals (Small Business Investment Act) SBA Small Business Loan Programs - Microloan program, childcare, program access, and other issues", "HOUSE OF REPRESENTATIVES,SENATE,Small Business Administration (SBA)", null, 50000, 0, 0, "2024-10-10T10:33:19-04:00"], [3234817, "9fe8798e-2f86-4698-9980-3646a9a6f5d9", "Q3", "CONSTRUCTION INDUSTRY ROUND TABLE", 50901, "CONSTRUCTION INDUSTRY ROUND TABLE", 2024, "third_quarter", "SMB", "CIRT strongly supports passage of the Protecting Small Business Information Act of 2023 (H.R.4035) that seeks to delay implementation of the Corporate Transparency Act's reporting requirements to the IRS.", "Financial Management Service (FMS),HOUSE OF REPRESENTATIVES", null, 56000, 0, 0, "2024-10-10T13:34:07-04:00"], [3235060, "7cf049cb-3493-4175-a5aa-c0290fd0d364", "Q3", "KASOWITZ LLP", 401103221, "BIZ2CREDIT INC.", 2024, "third_quarter", "SMB", "Monitor and advocate for relevant legislation and regulations regarding fintechs and small businesses.", "HOUSE OF REPRESENTATIVES,SENATE,Small Business Administration (SBA),Treasury, Dept of", 20000, null, 0, 0, "2024-10-10T16:09:24-04:00"], [3235265, "f27c13e9-8f63-4f65-9cb1-14291e58187f", "Q3", "MCGUIREWOODS CONSULTING (A SUBSIDIARY OF MCGUIREWOODS LLP)", 24486, "TIRE PROS FRANCORP, LLC", 2024, "third_quarter", "SMB", "Motor vehicle equipment and repair issues", "HOUSE OF REPRESENTATIVES,SENATE", 50000, null, 0, 0, "2024-10-11T11:01:37-04:00"], [3235439, "9f8d525b-716e-4fd0-99fe-e3ea2169c500", "Q3", "MCGUIREWOODS CONSULTING (A SUBSIDIARY OF MCGUIREWOODS LLP)", 24486, "LUMBEE TRIBE HOLDINGS, INC.", 2024, "third_quarter", "SMB", "Working with executive branch agencies regarding contracting matters", "Army, Dept of (Other),Small Business Administration (SBA),State, Dept of (DOS),Transportation, Dept of (DOT)", 50000, null, 0, 0, "2024-10-11T13:29:16-04:00"], [3235909, "cfe6a4a2-b150-40a0-a65d-5836647d0798", "Q3", "MR. MARK REY", 400454181, "PUBLIC TIMBER PURCHASERS GROUP", 2024, "third_quarter", "SMB", "US Forest Service and Bureau of Land Management timber sales programs", "Agriculture, Dept of (USDA),Bureau of Land Management (BLM),HOUSE OF REPRESENTATIVES,Interior, Dept of (DOI),SENATE,Small Business Administration (SBA)", 9000, null, 0, 0, "2024-10-12T14:03:17-04:00"], [3235928, "12a80280-2004-4208-8364-32876b97d197", "Q3", "TIBER CREEK GROUP", 20744, "EQUIPMENT LEASING AND FINANCE ASSOCIATION", 2024, "third_quarter", "SMB", "Issues related to small business lending; Issues related to infrastructure.", "HOUSE OF REPRESENTATIVES,SENATE", 50000, null, 0, 0, "2024-10-12T14:48:34-04:00"], [3236166, "d633582d-ab06-4cb2-87da-33fa0c01c739", "Q3", "HOLLAND & KNIGHT LLP", 18466, "AMERICAN FACTORING ASSOCIATION", 2024, "third_quarter", "SMB", "Educating Congress on the importance of the factoring industry to the U.S. economy; S.2021, Small Business Financing Disclosure Act of 2023.", "HOUSE OF REPRESENTATIVES,SENATE", 30000, null, 0, 0, "2024-10-13T12:10:29-04:00"], [3236495, "4c19d71d-b056-43b2-be33-c309cf7018e0", "Q3", "NATIONAL FUNERAL DIRECTORS ASSN", 27888, "NATIONAL FUNERAL DIRECTORS ASSN", 2024, "third_quarter", "SMB", "Small Business: Health Care, Taxes and Related Issues NFDA works with relevant federal departments/agencies and Congress to support and/or advocate for legislation, rules and regulations that recognize the unique needs of small and family-owned businesses. Specifically, issues related to small business and tax related issues including Death Tax Repeal Act.", "HOUSE OF REPRESENTATIVES,SENATE,Small Business Administration (SBA)", null, 50000, 0, 0, "2024-10-14T10:36:16-04:00"], [3236710, "63173144-c1ce-4153-badd-5d2d7268a427", "Q3", "CORNERSTONE GOVERNMENT AFFAIRS, INC.", 75557, "THE ESOP ASSOCIATION", 2024, "third_quarter", "SMB", "Federal regulatory issues, budget, and tax policy affecting employee ownership", "HOUSE OF REPRESENTATIVES,Natl Economic Council (NEC),SENATE", 60000, null, 0, 0, "2024-10-14T13:01:47-04:00"], [3237181, "998537b2-7dbf-422e-98c1-505aa5b36da1", "Q3", "CORNERSTONE GOVERNMENT AFFAIRS, INC.", 75557, "ADVANCED MEDICAL TECHNOLOGY ASSOCIATION", 2024, "third_quarter", "SMB", "Congressional outreach related to Small Business Innovation Research (SBIR) program.", "HOUSE OF REPRESENTATIVES,SENATE", 50000, null, 0, 0, "2024-10-14T15:45:34-04:00"], [3237468, "dac360cc-2a7b-48ae-ada5-69f02b3d3cf6", "Q3", "CORNERSTONE GOVERNMENT AFFAIRS, INC.", 75557, "AMERICAN VETERINARY MEDICAL ASSOCIATION", 2024, "third_quarter", "SMB", "Issues pertaining to veterinary professionals including: Farm Bill, animal health and welfare issues, taxes, and educational issues", "HOUSE OF REPRESENTATIVES,SENATE", 50000, null, 0, 0, "2024-10-14T22:26:18-04:00"], [3237612, "5f296c38-8b87-432e-8f2f-f4a2fc730038", "Q3", "NATIONAL ASSOCIATION OF SURETY BOND PRODUCERS", 27183, "NATIONAL ASSOCIATION OF SURETY BOND PRODUCERS", 2024, "third_quarter", "SMB", "Advocate for support of and funding for the Surety Bond Guarantee Program of the Small Business Administration. Advocate for resources for small construction businesses and awareness of the importance of surety bonding requirements to safeguard federal construction contracts.", "HOUSE OF REPRESENTATIVES", null, 10000, 0, 0, "2024-10-15T09:51:35-04:00"], [3238236, "011efa2b-de3f-4ef3-9ecb-5466cdfeae91", "Q3", "MANATOS & MANATOS", 23634, "LIBRA CAPITAL US, INC.", 2024, "third_quarter", "SMB", "Social responsibility", "HOUSE OF REPRESENTATIVES,SENATE", null, null, 0, 0, "2024-10-15T13:19:54-04:00"], [3238282, "4b90e046-34ba-440a-af8a-fc8c2dc1c884", "Q3", "BANK POLICY INSTITUTE", 5290, "BANK POLICY INSTITUTE", 2024, "third_quarter", "SMB", "Small Business Administration direct lending issues.", "HOUSE OF REPRESENTATIVES", null, 360000, 0, 0, "2024-10-15T13:36:05-04:00"], [3238477, "77dc23d0-d6a3-4610-90b0-332195420338", "Q3", "PAYPAL, INC.", 401103770, "PAYPAL INC", 2024, "third_quarter", "SMB", "Issues related to small business access to capital Issues related to small business lending", "HOUSE OF REPRESENTATIVES,SENATE,Small Business Administration (SBA)", null, 402000, 0, 0, "2024-10-15T14:32:54-04:00"], [3238483, "77bf85c0-e820-4a77-945f-362d98ea6562", "Q3", "PROFESSIONAL SERVICES COUNCIL", 32282, "PROFESSIONAL SERVICES COUNCIL", 2024, "third_quarter", "SMB", "Issues related to small business government contracting", "HOUSE OF REPRESENTATIVES,SENATE", null, 10000, 0, 0, "2024-10-15T14:33:56-04:00"], [3239205, "dc298e91-9c6c-4d99-a9cd-f1e3f9092677", "Q3", "BROWNSTEIN HYATT FARBER SCHRECK, LLP", 7257, "ALIBABA GROUP HOLDING LIMITED", 2024, "third_quarter", "SMB", "Small & medium sized enterprise export promotion", null, 80000, null, 0, 0, "2024-10-15T18:37:17-04:00"], [3239279, "95bae670-fd1a-45c8-80cf-be7e0625f587", "Q3", "TIBER CREEK GROUP", 20744, "SHOPIFY", 2024, "third_quarter", "SMB", "Issues related to digital tools for small business owners; S. 1042/H.R. 4661 - One Stop Shop for Small Business Licensing Act of 2023.", "HOUSE OF REPRESENTATIVES,SENATE", 30000, null, 0, 0, "2024-10-15T20:08:45-04:00"], [3239284, "cf475d21-2c09-4952-9954-82e8a3def990", "Q3", "COMMUNITY BANKERS ASSOCIATION OF ILLINOIS", 400531588, "COMMUNITY BANKERS ASSOCIATION OF ILLINOIS", 2024, "third_quarter", "SMB", "CBAI Federal Policy Priorities - The Community Bankers Association of Illinois (CBAI) supports fair competition for financial services, tiered regulations, the separation of banking and commerce, the dual banking system/charter choice, and financial innovation; and opposes discrimination favoring certain financial service providers, banking industry consolidation, and systemic risk. Based on these guiding principles, CBAI has identified the following 2023 Federal Legislative and Regulatory Policy Priorities, which if implemented, will help community banks thrive and better serve their customers and communities. Traditional Issues, Opportunities and Concerns Additional Meaningful Regulatory Relief for Community Banks The importance of community banks cannot be overstated, and they serve their customers and communities honestly and with respect. CBAI joins the ICBA in supporting a more efficient system of rules and regulations, unbiased laws governing the financial sector, a safer and more secure business environment, and more efficient agricultural policies to support the nations economic growth and development in all parts of the country. Community Bank Position on Credit Unions and Their Expanded Powers Credit unions have long since strayed from their founding purpose of serving individuals of modest means and with a common bond. They blatantly abuse their competitive advantages and are virtually indistinguishable from tax-paying community banks. Credit union acquisitions of community banks is a recent and disturbing trend that negatively impacts all taxpayers. An exit fee should be imposed on these acquisitions. This escalation of credit unions abusing of their tax-exemption should prompt Congress to act now. This abuse is an existential threat to community banks and the communities they serve. Community Bank Position on the Farm Credit System and its Expanded Powers The Farm Credit System (FCS) has long since strayed from its founding purposes, blatantly abusing its competitive advantages against community banks. The FCS is the only GSE that competes directly with community banks. This blatant and continuing discrimination against community banks must end and FCS competitive advantages must be reined-in, and the playing field leveled for community banks. Enhanced Data, Cyber and Payment Card Security (Data Security) Enhanced security standards should be enforced through a tiered system where the more restrictive rules and are imposed on the largest and most critical members of the financial system and economy where their lapses pose the greatest threat to the largest number of consumers. Core data security principals in standards enacted by legislation and regulations must include the complete cost of data breaches being borne by that party that caused the breach; all participants should be subject to verifiable Gramm-Leach-Bliley Act-like data security standards; and any new data security standard proposals should ensure that community banks are not overburdened with redundant standards. Consumer Financial Protection Bureau (CFPB) Reform and Meaningful Exemptions for Community Banks Regulations promulgated by the CFPB must provide community banks with the flexibility to meet the needs of its customers and they must not be burdened with additional and unnecessary regulatory requirements that would prevent them from serving their customers and communities. A one-size-fits-all approach to CFPB regulations harms the successful community bank business model. In reforming the CFPB, the single Director governance should be replaced by a five-member board or commission; a broader definition of firms that grant credit should be subject to the CFPB rules, these firm should be robustly supervised and examined; and the focus of any enhanced regulation of financial products should be on the mega banks and financial firms, the unregulated shadow financial industry and emerging Fintech companies. The CFPB has the statutory authority under the Dodd-Frank Act to exempt any class of providers [community banks] or any products or services from the rules it writes, but to-date the Bureau has been far too reticent to do so. The effective use of this authority will ensure community banks continue to be a healthy alternative to large banks and non-banks for consumers seeking to use responsible financial service providers. Financial Transaction Tax Tax laws should encourage and promote robust economic activity and a thriving community banking sector, not impose new bank-specific fees, punitive new levies, transaction taxes, limitations on the deductibility of expenses, revenue offsets or pay-fors that target the banking industry. Rather, there should be parity among all financial service providers; there should be tax incentives for community banks serving low- and moderate-income individuals, small businesses, and small farms; and there should be a tax credit equivalent to the cost of community bank compliance with BSA compliance. Current Issues, Opportunities and Concerns Bank Regulators Involvement in Resolving Reimbursement for Fraudulently Altered Returned Checks CBAIs member community banks have been experiencing a pernicious and growing problem with reimbursements for fraudulently altered checks drawn on their customers accounts. The problem can be accurately summarized as being caused by the nations largest banks and credit union, where these checks were deposited in fraudulent accounts, which is harming community banks and their customers, in addition to undermining the publics confidence in the nations banking and financial system. CBAI has urged the regulators to get involved and address this problem. Finally Address the Risks of Too-Big-To-Fail (and now Too-Big-To-Not-Completely-Insure) Banks and Financial Firms to Protect Our Financial System, the Economy, and American Taxpayers from Future Bailouts TBTF The financial crisis, taxpayer bailouts, and subsequent recession was caused by the misconduct of the nations largest banks and financial firms. These megabanks have proven, at great cost to American taxpayers, that they cannot be effectively managed, supervised or disciplined. They are clearly too-big-to-change, too-big-to-fail and must be downsized. TBTNCI The recent failures of two large banks in early 2023, and the FDIC insuring 100% of their uninsured deposits, have raised new concerns about deposit insurance and have prompted calls for broader FDIC reforms. If systemically important financial institutions (SIFIs) cause losses to the Deposit Insurance Fund (DIF) then SIFIs should be responsible for reimbursing the DIF for those losses. Governments Unnecessary Intrusion into Banking and Lending Which Displaces Community Banks. SBA Direct Lending Community banks and the SBA have a long, beneficial, and cooperative private sector/public sector relationship, where SBA does not compete with banks in lending to small businesses. Direct SBA lending would violate this tradition. Community banks are far superior in establishing and prudently underwriting commercial lending relationships. The SBA originating and disbursing 7(a) loans will put billions of taxpayer dollars at risk of loss. Responsible Regulation of Digital Assets - Cryptocurrency, Central Bank Digital Currency (CBDC), and Stablecoins The risks posed by digital assets are enormous, as well as the consequences for monetary policy, our financial system, and the banking industry (i.e., disintermediation.). They also pose threats to the privacy and security of consumers and small businesses. Of great concern is that there is no single regulator responsible for this rapidly growing sector which combines elements of currency, payments, and investments, and there is insufficient transparency and lack of accountability in this ecosystem. Policymakers must cooperate and collaborate in the development and implementation of a comprehensive approach to ensure a consistent Federal regulatory framework that does not permit digital assets to threaten the essential and highly successful business model of regulated and responsible community banks. Reasonable Rules and Implementation Small Business Data Collection (CFPB) Small business lending data clearly suggests fair lending is not a problem at community banks as they treat their customers honestly and fairly. The regulatory burden of these collection and reporting requirements falls disproportionately hard on community banks, and community banks should be provided with meaningful exemptions in this rulemaking. Customer Data Sharing (CFPB) Community banks are financially sound and take great care in protecting consumer privacy. Non-bank entities must be held responsible for ensuring the safety of the customer information they are accessing and to be able to satisfy the liability for any financial harm which they cause community banks and their consumers. Modernizing the Community Reinvestment Act (CRA) (OCC, Federal Reserve and FDIC) The modernization of the CRA must enhance the ability of community banks to serve their communities and must not impose any additional regulatory burden. All financial service providers must be subject to the CRA to provide a complete picture of every financial institutions performance in serving their communities. A modernization of the CRA that does not encompass credit unions, Farm Credit System lenders and Fintechs (including the OCCs Special Purpose National Banks) will be a sham. Reporting Beneficial Ownership Information (FinCEN) Provisions in the NDAA in the 116th Congress shifted the burden of collecting and reporting beneficial ownership to FinCEN. This transfer must be accomplished completely and expeditiously. Safe Harbor for Banking Cannabis-Related Businesses Without taking a position on the legalization of cannabis, a safe harbor from federal sanctions for financial institutions that choose to serve legally compliant cannabis-related business in states where cannabis is legal is a matter of public safety and should be permitted. Agriculture and Rural America A vibrant rural economy is vital to Americas prosperity. The multi-year Farm Bill provided a strong safety net for farmers and ranchers including adequate price-protection programs and enhanced USDA-guaranteed farm and business loan programs. These programs must be protected from cuts or any adverse changes that would discourage farmer and rancher participation or undermine private-sector delivery. Federal Reserves Role in Payments System Improvement (FedNow Service) A fast and secure payments system is the very foundation of financial services and the economy and must be modernized. The payments system must not be monopolized by The Clearing House and its 25 large bank owners that endangered our financial system and the entire economy during the financial crisis. Community banks, small businesses and consumers must rely on the Federal Reserve to provide access to a safe and secure payments system. The Federal Reserve must be supported in its development of the FedNow Service to ensure that all participants have access to a real-time system on a fair and impartial basis. IRS Reporting Plan The various proposed IRS reporting requirements are unprecedented, misguided, raise serious concerns about government overreach, and is an invasion of their financial privacy. If implemented, they will damage the trusted and beneficial relationship between community banks and their customers. If the IRS wants to ensure greater compliance with tax laws, it can be accomplished by more appropriately using the existing tools and the wealth of information it currently possesses. Harmful Climate Risk Regulations CBAI opposes any climate change regulations that will adversely impact community banks and their ability to support their customers and communities including setting hard lending concentration limits on lending to fossil fuel or other carbon-intensive industries, stress testing or scenario analysis based on adverse climate change assumptions, and capital requirements based on climate risks. Community bankers high-contact and relationship-based lending model together with the soon-to-be-implemented Current Expected Credit Loss model, will incorporate material risk assumptions in estimating loan losses - including climate risks. Additional separate climate risk stress testing, concentration limits, and capital requirements for community banks are duplicative and unnecessary. (House and Senate) Legislation and Regulation - EGRPRA - Oral Comments During the EGRPRA Review concerning Anti Money Laundering, CTR and SAR reporting thresholds, Beneficial Ownership Interest reporting to FinCEN, and check fraud (FDIC, OCC, Federal Reserve) Letters - None Action Alerts - None Miscellaneous - Deposit Check Fraud - The prompt and reasonable reimbursements for community banks from the largest banks for fraudulently altered return checks, and the largest banks opening fraudulent accounts into which fraud items are being deposited, including - joint supervisory guidance addressed to the largest banks for their apparent management and compliance lapses, enhanced supervision, regulation and enforcement against the largest banks for CDD and CIP compliance (OCC)", "Federal Deposit Insurance Corporation (FDIC),Federal Reserve System,HOUSE OF REPRESENTATIVES,Office of the Comptroller of the Currency (OCC),SENATE", null, 65000, 0, 0, "2024-10-15T20:36:36-04:00"], [3239468, "9abd8bb6-c12f-4883-a8c1-1694edb30ab3", "Q3", "NATIONAL PEST MANAGEMENT ASSOCIATION", 28333, "NATIONAL PEST MANAGEMENT ASSOCIATION", 2024, "third_quarter", "SMB", "pesticide preemption", "Environmental Protection Agency (EPA),HOUSE OF REPRESENTATIVES,SENATE", null, 7000, 0, 0, "2024-10-16T09:37:54-04:00"], [3239497, "37a1cfa6-d120-4b43-a69e-5b99aab72075", "Q3", "UNIVERSITY OF IOWA", 49191, "UNIVERSITY OF IOWA", 2024, "third_quarter", "SMB", "N/A", "HOUSE OF REPRESENTATIVES,SENATE", null, 40000, 0, 0, "2024-10-16T09:47:58-04:00"], [3239566, "345c1fe8-d60f-4f52-9018-0debef9d4993", "Q3", "THE JOSEPH GROUP, LLC", 288613, "SHOPIFY", 2024, "third_quarter", "SMB", "All matters relating to small businesses and SBA", "HOUSE OF REPRESENTATIVES,SENATE", 30000, null, 0, 0, "2024-10-16T10:10:54-04:00"], [3239654, "3697b2e0-9ec0-4810-ba87-ad878f845233", "Q3", "NATIONAL ASSOCIATION FOR THE SELF-EMPLOYED (NASE)", 26604, "NATIONAL ASSOCIATION FOR THE SELF-EMPLOYED (NASE)", 2024, "third_quarter", "SMB", "Support for Small Business Emergency Savings Act of 2023(HR 313). Work on paid leave issues. Support for provisions of Paycheck Fairness Act (HR 17).Support for New Start Act of 2023 (S. 609)(entrepreneurship programs for previously incarcerated).Small Business Childcare Investment Act (S. 673)(giving SBA loan program access to certain non-profit childcare entities).Small Business Disaster Fairness Act of 2023 (S.943). Prepare Act of 2023 (S.1370)(reauthorization of SBA pre-disaster mitigation program).SECURE Small Business Act (S. 1458)(establishment of SBA program for assistance with cybersecurity products).Support for Small Business Innovation Voucher Act(S. 1739) and 504 Loan Availability Act (S. 2100)(modification of fees and funding).Support for Continuing Resolution. Support for HR 9781, Providing Real Opportunities for Growth to Rising Entrepreneurs for Sustained Success. Support for S. 5063, Helping Small Businesses Thrive Act.", "Commerce, Dept of (DOC),Executive Office of the President (EOP),Health & Human Services, Dept of (HHS),HOUSE OF REPRESENTATIVES,Internal Revenue Service (IRS),Labor, Dept of (DOL),SENATE,Small Business Administration (SBA),Treasury, Dept of", null, 90000, 0, 0, "2024-10-16T10:34:35-04:00"], [3239885, "2733b6d1-9f17-46be-b3de-8dd14dc20471", "Q3", "VENN STRATEGIES", 65191, "EMPLOYEE-OWNED CONTRACTORS ROUNDTABLE", 2024, "third_quarter", "SMB", "Improvement and expansion of ESOP policies that were passed in Sec. 874 of FY2022 NDAA. Provision for sole source procurement for follow on contracts through Department of Defense for businesses wholly owned through an employee stock ownership plan.", "Air Force, Dept of,Army, Dept of (Other),Commerce, Dept of (DOC),Defense, Dept of (DOD),HOUSE OF REPRESENTATIVES,Natl Guard,Navy, Dept of,SENATE", null, null, 0, 0, "2024-10-16T11:41:24-04:00"], [3240196, "24b50dff-df7d-438f-bf5a-14b45e2a90c4", "Q3", "CEDIA", 401103945, "CEDIA", 2024, "third_quarter", "SMB", "Research on NAICS Codes and reviewed past federal register on NAICS code revisions.", "Office of Management & Budget (OMB)", null, 30000, 0, 0, "2024-10-16T12:51:48-04:00"], [3240430, "02e302f4-582f-41b5-8d99-9998a19f7670", "Q3", "STRATEGIC MARKETING INNOVATIONS", 60550, "PHYSICAL SCIENCES INC.", 2024, "third_quarter", "SMB", "SBIR Reauthorization", "HOUSE OF REPRESENTATIVES,SENATE", 15000, null, 0, 0, "2024-10-16T13:54:54-04:00"], [3240534, "7b3d43ee-321f-41ee-aa7f-cf2f9e4ecc61", "Q3", "AMERICAN SOCIETY OF CIVIL ENGINEERS", 3413, "AMERICAN SOCIETY OF CIVIL ENGINEERS", 2024, "third_quarter", "SMB", "FY 24 Appropriations H.R. 1631/S. 835 - Pro Codes Act", "HOUSE OF REPRESENTATIVES,SENATE", null, 110981, 0, 0, "2024-10-16T14:15:26-04:00"], [3240565, "e54f2b7e-1d87-4ae6-a167-b489b1953cb3", "Q3", "MCALLISTER & QUINN, LLC", 292573, "DAUNTLESS AIR", 2024, "third_quarter", "SMB", "U.S. Forest Service procurement issues. Federal and State aerial firefighting policy reform. Small business contracting issues. H.R. 8998/S. 4802 - Interior, Environment, and Related Agencies Appropriations Act, 2025 S. 4424 - The Prescribed Fire Act of 2024", "HOUSE OF REPRESENTATIVES,SENATE", 10000, null, 0, 0, "2024-10-16T14:21:38-04:00"], [3241293, "37ebe322-21b8-4d07-91dd-f29f27f5ba82", "Q3", "CAPITOL CITY GROUP, LTD.", 52903, "HCH ENTERPRISES, LLC", 2024, "third_quarter", "SMB", "issues relating to computer/IT technology", "Commerce, Dept of (DOC)", 10000, null, 0, 0, "2024-10-16T16:25:13-04:00"], [3241569, "7c7e2bb8-867a-41e9-a5e0-36d95d716e31", "Q3", "PRINTING UNITED ALLIANCE", 401105682, "PRINTING UNITED ALLIANCE", 2024, "third_quarter", "SMB", "General small business issues; women-owned small business issues; Support of H.R. 358, the Small Business Regulatory Flexibility Improvements Act (SBRFIA); Support of Section 199A, the 20% Small Business Deduction and the Main Street Tax Certainty Act; Support of H.R. 7035, the Death Tax Repeal Act; Repeal the Corporate Transparency Act.", "HOUSE OF REPRESENTATIVES,SENATE,Small Business Administration (SBA)", null, 50000, 0, 0, "2024-10-16T17:32:24-04:00"], [3241598, "8c9c0897-717b-48a7-a55e-75a8c754e9af", "Q3", "PENNSYLVANIA FARM BUREAU", 52071, "PENNSYLVANIA FARM BUREAU", 2024, "third_quarter", "SMB", "ASKED TO SUPPORT THE FOLLOWING: - S.1237/H.R.1250, the Family Farm and Small Business Exemption Act, which would restore the exemptions family farm and small business assets from the FAFSA calculation process in higher education. - S.4297/H.R.8147, the Repealing Big Brother Overreach Act, which would repeal the Corporate Transparency Act (CTA). - S.3625/H.R.5119, the Protect Small Business and Prevent Illicit Financial Activity Act, which would extend the deadline for companies to report certain beneficial ownership information to the Department of the Treasury's Financial Crimes Enforcement Network (FinCEN).", "HOUSE OF REPRESENTATIVES,SENATE", null, 10000, 0, 0, "2024-10-16T17:38:37-04:00"], [3241781, "aec5735d-4405-4cab-a81b-076114b5bac8", "Q3", "BALLARD PARTNERS", 401104288, "AMAZON.COM", 2024, "third_quarter", "SMB", "Issues and policies pertaining to ecommerce and competition related matters.", "HOUSE OF REPRESENTATIVES,SENATE", 60000, null, 0, 0, "2024-10-17T06:21:35-04:00"], [3241848, "47c66cfe-a49a-4607-85f4-7ffbb3fcdd60", "Q3", "COZEN O'CONNOR PUBLIC STRATEGIES", 400459252, "INTERNATIONAL FRANCHISE ASSOCIATION", 2024, "third_quarter", "SMB", "Issues affecting franchised small businesses including intellectual property, labor, Joint Employer, data privacy, Federal Trade Commission (FTC) issues and Franchise Rule", "HOUSE OF REPRESENTATIVES,SENATE", 30000, null, 0, 0, "2024-10-17T08:18:05-04:00"], [3241874, "b97df49a-ab7c-4fe9-a1d9-0285891d9b03", "Q3", "SAGE FEMME STRATEGIES", 401107251, "AMERICAN ASSOCIATION OF BIRTH CENTERS (AABC)", 2024, "third_quarter", "SMB", "birth center funding birth center payment issues", "Health Resources & Services Administration (HRSA),HOUSE OF REPRESENTATIVES,SENATE", 10000, null, 0, 0, "2024-10-17T08:44:49-04:00"], [3241884, "bf049838-c5c1-4e7f-9c56-a0cfe0569033", "Q3", "THE NICKLES GROUP, LLC", 293335, "MERCHANTS PAYMENTS COALITION, INC.", 2024, "third_quarter", "SMB", "S. 1838 / H.R. 3881 Credit Card Competition Act of 2023, issues related to swipe fees and competitive routing.", null, 60000, null, 0, 0, "2024-10-17T09:01:48-04:00"], [3242121, "83b9cfde-3496-4c29-814e-6fc51c0ace8c", "Q3", "LIVE OAK STRATEGIES", 401105683, "JST STRATEGIC TECHNOLOGIES", 2024, "third_quarter", "SMB", "Issues related to the Small Business Administration", "HOUSE OF REPRESENTATIVES,SENATE", 90000, null, 0, 0, "2024-10-17T10:11:01-04:00"], [3242133, "6661eaa5-70a3-4f44-aed8-629329eca41e", "Q3", "CAPITOL COUNSEL LLC", 313715, "PLANNED PARENTHOOD FEDERATION OF AMERICA, INC", 2024, "third_quarter", "SMB", "Issues around Paycheck Protection Program.", "HOUSE OF REPRESENTATIVES,SENATE", 70000, null, 0, 0, "2024-10-17T10:14:30-04:00"], [3242180, "638881db-f6ad-4f5d-9656-39708ea94e39", "Q3", "IOWA STATE UNIVERSITY", 20163, "IOWA STATE UNIVERSITY", 2024, "third_quarter", "SMB", "Small Business Development Centers", null, null, 50000, 0, 0, "2024-10-17T10:22:12-04:00"], [3242573, "4d3092c2-1074-4df5-9701-c75a05378dce", "Q3", "DUTKO WORLDWIDE, LLC", 12868, "ACCENTURE FEDERAL SERVICES LLC", 2024, "third_quarter", "SMB", "Highlight federal contracting opportunities for small businesses", "HOUSE OF REPRESENTATIVES,SENATE", 40000, null, 0, 0, "2024-10-17T11:04:48-04:00"], [3242663, "7f871740-f2a5-4887-9485-e24f38e9f42a", "Q3", "BAKER COMMODITIES", 401107888, "BAKER COMMODITIES", 2024, "third_quarter", "SMB", "Issues pertaining to the Small Business Administrations definition of a small business under the NAICS rendering classification code for rendering.", "HOUSE OF REPRESENTATIVES,SENATE", null, 10000, 0, 0, "2024-10-17T11:12:45-04:00"], [3242940, "de1867c1-61f3-4599-94c2-bcfd1ba7bd87", "Q3", "BARNES & THORNBURG, LLP", 5404, "SOLTEC LLC", 2024, "third_quarter", "SMB", "Policy and appropriations regarding renewable energy.", "Commerce, Dept of (DOC),HOUSE OF REPRESENTATIVES,SENATE,Small Business Administration (SBA)", 20000, null, 0, 0, "2024-10-17T11:42:25-04:00"], [3243349, "374726b6-e49d-4ffd-b2fd-389f06c5e74e", "Q3", "FRANCHISEE ADVOCACY CONSULTING", 401108406, "AMERICAN ASSOCIATION OF FRANCHISEE & DEALERS", 2024, "third_quarter", "SMB", "Franchise issues relating to franchise regulations and oversight.The Franchise Rule. Franchise complaints. Credit Card Competition Act, S.1838 & H.R.3881, would require a competitor be available for credit card processing.", "Consumer Financial Protection Bureau (CFPB),Federal Trade Commission (FTC),HOUSE OF REPRESENTATIVES,Natl Economic Council (NEC),SENATE,White House Office", 6000, null, 0, 0, "2024-10-17T12:58:22-04:00"], [3243366, "4811a1d9-084e-4633-9b45-bc267b5c9fa0", "Q3", "FRANCHISEE ADVOCACY CONSULTING", 401108406, "ASIAN AMERICAN HOTEL OWNERS ASSOCIATION (AAHOA)", 2024, "third_quarter", "SMB", "Franchise Issues - Undisclosed fees, supply issues Credit Card Competition Act, S.1838, H.R. 3881, would require competition on credit card processors LIONS Act, H.R.7242/H.R.0176, would increase SBA 7(a) loan caps from $5M to $10M", "Consumer Financial Protection Bureau (CFPB),Federal Trade Commission (FTC),HOUSE OF REPRESENTATIVES,Natl Economic Council (NEC),SENATE", 9000, null, 0, 0, "2024-10-17T13:03:23-04:00"], [3243391, "573d191f-ce3f-4923-a6ad-8da4be8635e1", "3A", "FRANCHISEE ADVOCACY CONSULTING", 401108406, "ASIAN AMERICAN HOTEL OWNERS ASSOCIATION (AAHOA)", 2024, "third_quarter", "SMB", "Franchise Issues - Undisclosed fees, supply issues Credit Card Competition Act, S.1838, H.R. 3881, would require competition on credit card processors LIONS Act, H.R.7242/H.R.9176, would increase SBA 7(a) loan caps from $5M to $10M", "Consumer Financial Protection Bureau (CFPB),Federal Trade Commission (FTC),HOUSE OF REPRESENTATIVES,Natl Economic Council (NEC),SENATE", 9000, null, 0, 0, "2024-10-17T13:06:18-04:00"], [3243551, "1d61d637-bcd7-483a-a2e7-3cf1c1dda045", "Q3", "NANA REGIONAL CORPORATION", 401106112, "NANA REGIONAL CORPORATION", 2024, "third_quarter", "SMB", "General review of activities and engagement of small business committees in order to learn about small business legislation and issues. In particular, focused on language that touches Native American businesses.", "SENATE,Small Business Administration (SBA)", null, 80000, 0, 0, "2024-10-17T13:34:29-04:00"], [3243716, "fd30a0a5-850c-4285-bf50-6706d62ce6f4", "Q3", "THE MADISON GROUP", 284050, "PHAROS CAPITAL GROUP", 2024, "third_quarter", "SMB", "Issues pertaining to rural economic development, the Farm Bill and the RBIC program", "HOUSE OF REPRESENTATIVES,SENATE", 30000, null, 0, 0, "2024-10-17T13:56:33-04:00"], [3243854, "b85d841e-5c1e-40dc-bbe9-9dc05b12e2bb", "Q3", "CROWE LLP", 401103843, "CROWE LLP", 2024, "third_quarter", "SMB", "Issues related to the Surety Bond Guarantee program for small businesses; Issues related to the definition of a small business as related to the Community Reinvestment Act.", "HOUSE OF REPRESENTATIVES,SENATE", null, 60000, 0, 0, "2024-10-17T14:09:28-04:00"], [3244113, "c4427391-76f2-4296-9c8b-e97377cd5e31", "Q3", "WILLIAMS AND JENSEN, PLLC", 41454, "REINSURANCE ASSOCIATION OF AMERICA", 2024, "third_quarter", "SMB", "Small business risk transfer legislation.", "HOUSE OF REPRESENTATIVES,SENATE", 40000, null, 0, 0, "2024-10-17T14:28:56-04:00"], [3244278, "a5c1ec1b-eb11-47e6-b6e6-0f95edc09c3f", "Q3", "THE VOGEL GROUP", 401104734, "AMERICAN SMALL BUSINESS INSTITUTE, INC.", 2024, "third_quarter", "SMB", "Issues relationg to tax credits, grants, workforce development, accses to capital, and economic impact", "HOUSE OF REPRESENTATIVES,SENATE", 32000, null, 0, 0, "2024-10-17T14:44:56-04:00"], [3244536, "3cfdca8b-b864-4d58-bfbb-ac0895e124cc", "Q3", "AMERICAN PHYSICAL THERAPY ASSOCIATION", 3093, "AMERICAN PHYSICAL THERAPY ASSOCIATION", 2024, "third_quarter", "SMB", "Medicare private contracting Student Loan Forgiveness/Student Loan Repayment CARES Act Economic Injury Disaster Loan", "HOUSE OF REPRESENTATIVES,SENATE", null, 240412, 0, 0, "2024-10-17T15:03:15-04:00"], [3244833, "b6ddee2e-e3d1-409a-9c2a-0e3a9265190f", "Q3", "LIVE OAK BANKING COMPANY (FORMERLY KNOWN AS LIVE OAK BANK)", 401104559, "LIVE OAK BANK", 2024, "third_quarter", "SMB", "- Issues related to SBA Senate and House proposals to address SBA affiliation (final Rule 88 FR 21074) and SBLC final rules (final Rules 88 FR 21890) - Issues related to SBA's Potential \"Standard Operating Procedures\" SOP technical changes - Issues related to USDA/SBA MOU Update - Issues related to SBA's Green Initiative", "HOUSE OF REPRESENTATIVES,SENATE,Small Business Administration (SBA)", null, 150000, 0, 0, "2024-10-17T15:31:31-04:00"], [3244924, "868bc071-56c2-434f-9ffc-cf424b16b3e6", "Q3", "YUM! BRANDS, INC.", 42810, "YUM! BRANDS INC", 2024, "third_quarter", "SMB", "Support competition for credit card transaction routing, including the Credit Card Competition Act (S. 1838 and HR 3881). FTC RFI concerning franchising", "HOUSE OF REPRESENTATIVES,SENATE", null, 500000, 0, 0, "2024-10-17T15:40:29-04:00"], [3245218, "ee7630a9-931b-48f6-98bc-729fb1f9cd7d", "Q3", "FORBES-TATE", 400976792, "ANYWHERE REAL ESTATE INC.", 2024, "third_quarter", "SMB", "Issues related to the business of real estate, home ownership, antitrust, privacy, cyber.", "HOUSE OF REPRESENTATIVES,SENATE", 50000, null, 0, 0, "2024-10-17T16:23:05-04:00"], [3245457, "127e6da5-272d-4597-8b94-613e60bd4593", "Q3", "FORBES-TATE", 400976792, "AUCTANE, INC.", 2024, "third_quarter", "SMB", "Issues related to S. 2330 - the Small Business Technological Advancement Act.", "HOUSE OF REPRESENTATIVES,SENATE", 60000, null, 0, 0, "2024-10-17T16:49:24-04:00"], [3245953, "23d2d423-37cf-47bf-accc-6031ece26824", "Q3", "MARCH OF DIMES", 23758, "MARCH OF DIMES", 2024, "third_quarter", "SMB", "No lobbying activity.", null, null, 50000, 0, 0, "2024-10-17T18:21:07-04:00"], [3246442, "826fd88f-823f-4401-8654-982eb4fb1ffa", "Q3", "POLARIS GOVERNMENT RELATIONS, LLC", 307730, "SMALL PUBLIC COMPANY COALITION", 2024, "third_quarter", "SMB", "General Financial Services Matters and Introduction of Client; Matters affecting small business, generally; no specific legislation.", "HOUSE OF REPRESENTATIVES,SENATE", 60000, null, 0, 0, "2024-10-17T21:39:59-04:00"], [3246575, "bfd50977-010e-4af0-bb8d-8359f8801400", "Q3", "CGCN GROUP, LLC", 76992, "WELLS FARGO", 2024, "third_quarter", "SMB", "Issues pertaining to SBA 7(a) and 504 programs and small business lending in general.", "HOUSE OF REPRESENTATIVES,SENATE", 30000, null, 0, 0, "2024-10-17T22:56:14-04:00"], [3247599, "e90b83e9-b275-42b7-ae5c-df867036e454", "Q3", "THORN RUN PARTNERS", 400534596, "INDEPENDENT RESTAURANT COALITION", 2024, "third_quarter", "SMB", "Issues impacting small businesses. 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