{"database": "lobbying", "table": "lobbying_activities", "rows": [[2186668, "896e0cbc-801b-4cd3-9fc2-aa431efb66b5", "Q3", "COMMUNITY BANKERS ASSOCIATION OF ILLINOIS", 400531588, "COMMUNITY BANKERS ASSOCIATION OF ILLINOIS", 2018, "third_quarter", "CSP", "Regulatory relief for community banks in the 115th Congress\n\nTiered regulation and supervision for community banks as contained in the Independent Community Bankers of Americas (ICBA) Plan for Prosperity\n\nThe ICBAs Plan for Prosperity contains the following issue areas and recommendations.\nRegulatory Relief\n\nBalance consumer regulation through more accountable Consumer Financial Protection Bureau governance\nEliminate arbitrary disparate impact fair lending lawsuits\nEnsure the viability of mutual banks through new charter and capital options\nSupport rigorous cost-benefit analyses of all new rules to determine if they are justified and indeed needed\nModernize the Bank Secrecy Act (BSA)\nCut the red tape in small business lending by eliminating burdensome data collection\nTarget the Volker Rule on a banks individual risk\nPreserve access to investment advice for middle-class savers\n\nMortgage Reform\nCreate a safe harbor from onerous underwriting standards\nEstablish relief from burdensome HMDA, escrow and appraisal requirements\nPreserve the ability for community banks to continue servicing mortgage loans\nReform the closing process and accompanying paperwork\n\nTax Relief\nLower marginal rates needed for individuals, corporations and businesses\nIncentivize credit for low- and middle-income customers and American agriculture \nModernize Subchapter S constraints\nCreate limited liability corporation (LLC) option for community banks\nRepeal the estate tax\nUpdate the bank qualified (BQ) bond issuer limitation\nSupport a five-year loss carryback that encourages lending during economic downturns\nCreate a tax credit for Bank Secrecy Act (BSA) compliance costs\n(House, Senate, OCC)\n\n\nLetters -\n\nLetter to the U.S. Department of the Treasury regarding U.S. Postal Service reform and banking proposal (U.S. Treasury)\n\nComment Letter to Department of Housing and Urban Development (HUD) regarding Advance Notice of Proposed Rulemaking: Reconsideration of HUDs Implementation of the Fair Housing Acts Disparate Impact Standard; Docket No. FR-6111-A-01 and RIN 2529-ZA01 \n\n\nAction Alerts -\n\nAction Alert regarding HUDs implementation of the Fair Housing Acts Disparate Impact Standard (HUD)\n\n\nMiscellaneous -\n\nImplementation of S. 2155 - The Economic Growth, Regulatory Relief and Consumer Protection Act (All sections but in particular the following) \n\nIncreasing exemption thresholds for Home Mortgage Disclosure Act (HMDA) reporting;\nGranting Qualified Mortgage (QM) status for portfolio mortgage loans at most community banks;\nExempting certain community bank loans from escrow requirements;\nSimplifying community bank capital requirements;\nIncreasing eligibility for a short-form Call Report to restore proportionality to quarterly reporting;\nExpanding eligibility for the 18-month regulatory examination cycle;\nEasing appraisal requirements to facilitate mortgage credit in local communities;\nExempting most community banks from the Volcker Rule;\nExpanding access to the Federal Reserves Small Bank Holding Company Policy Statement to help more community banks build capital;\nImproving regulatory treatment of reciprocal deposits and certain municipal securities; and\nSection 401 - SIFI thresholds) (House, Senate, OCC)\n\nBank Secrecy Act (BSA) modernization - Currency Transaction Report (CTR) threshold (House, Senate, OCC)\n\nSmall business data collection under the Dodd-Frank Act - Section 1071 (House, Senate, OCC)\n\nModernization of the Community Reinvestment Act (CRA) including examination thresholds and including credit unions in CRA compliance, examination and enforcement (House, Senate, OCC)\n\nTax credits or deductions for lending to low- and middle-income individuals, businesses, farmers and ranchers (House, Senate, OCC)\n\nThe Federal Reserves Payments System Improvements initiative specifically regarding the Feds role in these improvements and maintaining a system that is progressive, competitive and secure, with open access to community banks regardless of size, charter type and location (House, Senate, OCC) \n\nPrincipals of GSE Reform (House, Senate, OCC)\n\nAgriculture and rural America / rural economic development (House, Senate, OCC)\n \nExpansionist Agenda of Credit Unions (House, Senate, OCC)\n\nCybersecurity and additional regulatory burden on community banks (House)\n\nHome Mortgage Disclosure Act (HMDA) reporting regulatory relief (House)", "Federal Deposit Insurance Corporation (FDIC),Federal Reserve System,HOUSE OF REPRESENTATIVES,Housing & Urban Development, Dept of (HUD),Office of the Comptroller of the Currency (OCC),SENATE,Treasury, Dept of", null, 55000, 0, 0, "2018-10-16T20:29:31.387000-04:00"]], "columns": ["id", "filing_uuid", "filing_type", "registrant_name", "registrant_id", "client_name", "filing_year", "filing_period", "issue_code", "specific_issues", "government_entities", "income_amount", "expense_amount", "is_no_activity", "is_termination", "received_date"], "primary_keys": ["id"], "primary_key_values": ["2186668"], "units": {}, "query_ms": 42.323448054958135, "source": "Federal Register API & Regulations.gov API", "source_url": "https://www.federalregister.gov/developers/api/v1", "license": "Public Domain (U.S. Government data)", "license_url": "https://www.regulations.gov/faq"}