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To amend the Internal Revenue Code of 1986 to provide a 5-year recovery period for computer-based gambling machines.
Legislative Progress
Momentum (last 30 days)
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0 actions · 0 new cosponsors · 0 votes
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vs 6,490 other HR bills in the 111th — cohort avg 44d
No CRS summary is available for this bill yet. The source title, actions, sponsors, and text versions below come from Congress.gov.
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Sources: Congress.gov
2017 · third_quarter · Financial Institutions/Investments/Securities
Issues related to mobile payments and payment processing, including financial innovation and technology, including The Repeal of Section 1075 of the Consumer Financial Protection Act of 2010 (H.R. 5465) and the Financial Choice Act (H.R. 10).
Client expense: $3,410,000 · Firm income: Not reported
Government targets: Agriculture, Dept of (USDA), Commerce, Dept of (DOC), Defense, Dept of (DOD), Education, Dept of, Executive Office of the President (EOP), Federal Aviation Administration (FAA), Federal Communications Commission (FCC), Federal Motor Carrier Safety Administration, Federal Reserve System, Federal Trade Commission (FTC), General Services Administration (GSA), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Labor, Dept of (DOL), Natl Aeronautics & Space Administration (NASA), Natl Economic Council (NEC), Natl Security Council (NSC), Natl Telecommunications & Information Administration (NTIA), Office of Management & Budget (OMB), Office of Science & Technology Policy (OSTP), Office of the Comptroller of the Currency (OCC), Patent & Trademark Office (PTO), Postal Regulatory Commission, SENATE, Small Business Administration (SBA), State, Dept of (DOS), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Copyright Office, U.S. Immigration & Customs Enforcement (ICE), U.S. Postal Service (USPS), U.S. Trade Representative (USTR), White House Office
2017 · second_quarter · Financial Institutions/Investments/Securities
Issues related to mobile payments and payment processing, including financial innovation and technology, including The Repeal of Section 1075 of the Consumer Financial Protection Act of 2010 (H.R. 5465) and the Financial Choice Act (H.R. 10).
Client expense: $3,210,000 · Firm income: Not reported
Government targets: Agriculture, Dept of (USDA), Commerce, Dept of (DOC), Defense, Dept of (DOD), Executive Office of the President (EOP), Federal Aviation Administration (FAA), Federal Communications Commission (FCC), Federal Motor Carrier Safety Administration, Federal Reserve System, Federal Trade Commission (FTC), General Services Administration (GSA), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Labor, Dept of (DOL), Natl Aeronautics & Space Administration (NASA), Natl Economic Council (NEC), Natl Security Council (NSC), Natl Telecommunications & Information Administration (NTIA), Office of Management & Budget (OMB), Office of Science & Technology Policy (OSTP), Office of the Comptroller of the Currency (OCC), Patent & Trademark Office (PTO), Postal Regulatory Commission, SENATE, Small Business Administration (SBA), State, Dept of (DOS), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Copyright Office, U.S. Immigration & Customs Enforcement (ICE), U.S. Postal Service (USPS), U.S. Trade Representative (USTR), White House Office
2017 · first_quarter · Financial Institutions/Investments/Securities
Issues related to mobile payments and payment processing, including financial innovation and technology, including The Repeal of Section 1075 of the Consumer Financial Protection Act of 2010 (H.R. 5465).
Client expense: $2,900,000 · Firm income: Not reported
Government targets: Agriculture, Dept of (USDA), Commerce, Dept of (DOC), Defense, Dept of (DOD), Federal Aviation Administration (FAA), Federal Communications Commission (FCC), Federal Reserve System, Federal Trade Commission (FTC), General Services Administration (GSA), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Labor, Dept of (DOL), Natl Aeronautics & Space Administration (NASA), Natl Economic Council (NEC), Natl Security Council (NSC), Natl Telecommunications & Information Administration (NTIA), Office of Management & Budget (OMB), Office of Science & Technology Policy (OSTP), Office of the Comptroller of the Currency (OCC), Patent & Trademark Office (PTO), Postal Regulatory Commission, SENATE, Small Business Administration (SBA), State, Dept of (DOS), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Copyright Office, U.S. Postal Service (USPS), U.S. Trade Representative (USTR), White House Office
2016 · fourth_quarter · Banking
Update House and Senate on Interchange/swipe fee reform issues, including competitive routing and pending surcharge legislation in states; provide retailers' perspective of issues in implementing mobile payment systems; data security and breach notification as it relates to sensitive financial data; H.R. 2205, Data Security Act of 2015; S. 1484, Financial Regulatory Improvement Act of 2015, indexing threshold of electronic funds transfer amendment to Dodd-Frank; appropriations language pertaining to threshold EFTA amendment; S. 1491, Community Financial Institution Regulatory Relief; discuss views of retail industry regarding EMV transition, fraud costs, Chip and PIN, tokenization, encryption, chargebacks, competition in debit routing and other payment innovation; H.R.5465 - To repeal section 1075 of the Consumer Financial Protection Act of 2010 relating to rules for payment card transactions, and for other purposes; Financial Choice Act (H.R. 5983), provisions to repeal Durbin amendment of Wall Street Reform and Consumer Protection Act of 2010; H.R. 6032, Data Breach Insurance Act, shared retail views on tax credits for purchase of data breach insurance, implementing cyber framework, tokenization, p2p encryption.
Client expense: $1,640,000 · Firm income: Not reported
2016 · third_quarter · Banking
Issues related to credit union operations Issues related to credit union field of membership Issues related to credit union service organizations Issues related to vacancies on the National Credit Union Administration (NCUA) Board Issues related to NCUAs low income designation regulations Issues related to NCUA examination procedures Issues related to NCUAs regulation regarding its regulatory flexibility program Issues related to NCUAs proposed rule regarding emergency liquidity Issues related to NCUAs rulemaking process Issues related to material loss reports of the NCUA Office of Inspector General Issues related to the authority of the CFPB to exempt credit unions from its rulemaking Issues related to the CFPB proposal related to remittances and international wire transfers Issues related to the proposed CFPB form on RESPA/TILA Issues related to CFPBs Leadership Structure and Installing a Board Rather than Director Issues related to funding the CFPB through the Appropriations Process Issues related to increasing the CFPB Examination Threshold Issues related to conducting a cost-benefit analysis of all CFPB Proposals Issues related to codifying the CFPBs Credit Union Advisory Council Issues related to requiring SBREFA Panels for CFPB Rulemakings Issues related to standardizing the definition of mortgage originator Issues related to overdraft protection and check ordering practices Issues related to mortgage servicing Issues related to mortgage loan originator compensation and qualifications Issues related to high-cost mortgage loans (HOEPA) Issues related to the CFPBs proposed rule regarding qualified mortgage / ability to repay Issues related to reverse mortgages Issues related to the Financial Accounting Standards Board (FASB) Issues related to mark-to-market accounting Issues related to private equity standards Issues related to the implementation of the Unlawful Internet Gambling Prohibition Act Issues related to data and cyber security Issues related to mobile banking and mobile payments Issues related to the oversight of the Federal Housing Administration Issues related to USDA Rural Development Loan program Issues related to identity theft and fraud reduction Issues related to student lending Issues related to the Federal Home Loan Bank System Issues related to short term lending products and advance deposit products Issues related to patent reform Issues related to Federal Credit Union bylaws Issues relating to home-based credit unions Issues related to NCUAs risk-based capital proposal Issues related to NCUAs proposed rule on securitization Issues related to NCUAs regulatory review process Issues related to credit union loan maturity restrictions Issues related to credit union investment authority Issues related to Regulation of Federal Credit Union by-laws Issues related to credit unions incidental powers Issues related to credit unions ability to offer prepaid cards Issues related to Ginnie Mae capital Issues related to credit union service to marijuana businesses Issues related to financial literacy Issues related to the Department of Justices investigation entitled, Operation Choke Point Issues related to membership eligibility in the Federal Home Loan Bank System. Issues related to the Department of Defense proposal regarding Credit Extending to Service Members under MLA Issues related to the Economic Growth and Regulatory Paperwork Reduction Act process Issues related to indirect auto lending Issues related to fixed assets Issues related to merchant data breaches Issues related to the payments system Issues related to FHFA proposed rules and FHLB eligibility for credit unions Issues related to Federal Reserve Regulatory D Issues related to 1-4 Family Non-Owner Occupied Residential Loan Treatment as Residential Rather than Business Loans Issues related to the use of Eminent Domain to Seize Performing Mortgage Loans Issues related to Housing Finance Reform Issues related to the implementation of the remittances provisions in the Dodd-Frank Act Issues related to NCUAs proposal rule on Member Business Lending Issues related to NCUAs proposed rule on Interest on Lawyer Trust Accounts (IOLTA) Issues related to credit union service to unbanked and underbanked consumers Issues related to the United States Postal Service Office of Inspector General report related to role of the postal service in financial services Issues related to the Feds implementation of same-day ACH Issues related to the regulation of corporate credit unions Issues related to the CFPBs proposed regulation on Home Mortgage Disclosure Act (Regulation C) Issues related to the payday, vehicle title, and similar lending Issues related to the CFPBs consumer complaint database Issues related to NCUAs Fixed Assets rule Issues related to NCUAs definition of small entity Issues related to NCUA's Proposed Rule on Member Business Lending Issues related to the Department of Labor's Proposed Rule on the Definition of Fiduciary Issues related to the Telephone Consumer Protection Act Issues related to the Bank Secrecy Act and Currency Transaction Reporting Requirements Issues related to the Department of Labor's Proposed Overtime Eligibility rule Issues related to credit union conversions Issues related to the CFPB's proposal on arbitration Issues related to secure payments Issues related to credit union call report modernization H.R. 9, the Innovation Act, all provisions H.R. 22, the FAST Act, Title LXXV, provisions related to privacy notice requirements; Title LXXXII, provisions related to the eligibility of privately insured credit unions to join a Federal Home Loan Bank; Title LXXXIX, provisions related to the designation of rural areas by the Consumer Financial Protection Bureau H.R. 185, Regulatory Accountability Act of 2015 H.R. 299, the Capital Access for Small Community Financial Institutions Act of 2015, all provisions H.R. 527, the Small Business Regulatory Flexibility Improvements Act of 2015 H.R. 601, the Eliminate Privacy Notice Confusion Act, all provisions H.R. 650, Preserving Access to Manufactured Housing Act, all provision H.R. 685, the Mortgage Choice Act, all provisions H.R. 766, Financial Institution Consumer Protection Act, all provisions H.R. 957, the Bureau of Consumer Financial Protection Inspector General Reform Act, all provisions H.R. 989, the Capital Access for Small Businesses Jobs Creation Act, all provisions H.R. 1090, Retail Investor Protection Act, all provisions H.R. 1176, the NCUA Budget Transparency Act, all provisions H.R. 1188, the Credit Union Small Business Jobs Creation Act, all provisions H.R. 1195, the Bureau of Consumer Financial Protection Advisory Boards Act, all provisions H.R. 1210, the Portfolio Lending and Mortgage Access Act, H.R. 1233, the Community Lending Enhancement and Regulatory Relief Act of 2015 H.R. 1259, the Helping Expand Lending Practices in Rural Communities Act, all provisions H.R. 1263, Consumer Financial Protection Safety and Soundness Improvement Act of 2015 H.R. 1265, the Bureau Advisory Commission Transparency Act, all provision H.R. 1266, the Financial Products Safety Commission Act of 2015 H.R. 1408, requiring a study of the capital requirements for mortgage servicing assets H.R. 1422, the Credit Union Residential Loan Parity Act H.R. 1480, the SAFE Confidentiality and Privilege Enhancement Act H.R. 1523, Community Bank Access to Capital Act of 2015 H.R. 1529, the Community Institution Mortgage Relief Act Discussion Draft, Data Security and Breach Notification Act of 2015 H.R. 1660, the Federal Savings Association Charter Flexibility Act, all provisions H.R. 1941, the Financial Institution Examination Fairness and Reform Act H.R. 2205, the Data Security Act H.R. 2213, to provide for a temporary safe harbor from the enforcement of integrated disclosure requirements for mortgage loan transactions under the Real Estate Settlement Procedures Act of 1974 and the Truth in Lending Act, and for other purposes. H.R. 2287, the National Credit Union Administration Budget Transparency Act H.R. 2473, the Preserving Capital Access and Mortgage Liquidity Act H.R. 2769, the Risk-Based Capital Study Act, all provisions H.R. 2896, the Taking Account of Institutions with Low Operation Risk (TAILOR) Act H.R. 3192, the Homebuyer Assistance Act, all provisions H.R. 4638, the Senior $afe Act, all provisions H.R. 4893, the Risk Management and Homeowner Stability Act, all provisions H.R. 4997, the Home Mortgage Disclosure Adjustment Act, all provisions H.R. 5465, a bill to repeal section 1075 of the Consumer Financial Protection Act of 2010 relating to rules for payment card transactions, all provisions H.R. 5983, the Financial CHOICE Act, all provisions S. 423, the Privacy Notice Modernization Act, all provisions S. 482, the Consumer Financial Protection Bureau Examination Reporting Threshold Act of 2015, all provisions S. 774 Financial Institutions Examination Fairness and Reform Act, all provisions S. 871, the Helping Expand Lending Practices in (HELP) Rural Communities Act S. 924, the National Credit Union Administration Budget Transparency Act S. 961, the Data Security Act S. 1367, a bill to amend the Federal Home Loan Bank Act with respect to membership eligibility of certain institutions S. 1440, the Credit Union Residential Loan Parity Act S. 1484, the Financial Regulatory Improvement Act, Title I S. 2216, the Senior$afe Act, all provisions The Heck-Stivers Amendment to H.R. 1735, the National Defense Authorization Act, related to the Department of Defenses MLA Database Discussion draft of the Financial Creating Hope and Opportunity for Investors, Consumers and Entrepreneurs (CHOICE) Act, all provisions
Government targets: Commerce, Dept of (DOC), Consumer Product Safety Commission (CPSC), Environmental Protection Agency (EPA), Equal Employment Opportunity Commission (EEOC), Federal Aviation Administration (FAA), Federal Maritime Commission, Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Economic Council (NEC), Natl Labor Relations Board (NLRB), Occupational Safety & Health Administration (OSHA), Office of Management & Budget (OMB), Patent & Trademark Office (PTO), SENATE, Small Business Administration (SBA), State, Dept of (DOS), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Customs & Border Protection, U.S. Trade Representative (USTR), White House Office
Client expense: $1,090,000 · Firm income: Not reported
Government targets: Agriculture, Dept of (USDA), Consumer Financial Protection Bureau (CFPB), Executive Office of the President (EOP), Federal Communications Commission (FCC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), SENATE, Small Business Administration (SBA), Treasury, Dept of
2016 · fourth_quarter · Banking
HR 1309 / HR 6392, Systemic Risk Designation Improvement Act of 2015 (all provisions). S. 1484, Financial Regulatory Improvement Act of 2015 (all provisions). HR 2205 / S. 961, Data Security Act of 2015 (all provisions). S. 1901, Small Business Access to Capital Act of 2015 (all provisions). General discussions and issues small business lending, SBA 7a funding (no specific bill). HR 5983, Financial CHOICE Act (all provisions). General discussions and issues covering CFPB proposed payday, vehicle title, and certain high-cost installment loans rule, including 5% PTI (no specific bill). General discussions covering DOL fiduciary, arbitration, overdraft, small dollar lending and short term loan programs, deposit advance, and express banking (no specific bill). HR 5465, to repeal section 1075 of the Consumer Financial Protection Act of 2010 relating to rules for payment card transactions, and for other purposes (all provisions). HR 5027, to amend the Federal Reserve Act to adjust the circumstances under which Federal reserve bank stock is callable, and for other purposes (all provisions). Federal Reserve dividend proposal, language to amend the Fixing Americas Surface Transportation Act (FAST Act), 2016 highway/transportation funding bill, bank related funding provision (no specific bill). General discussions covering data and cyber security, payments and interchange, federal dividend pay-for (no specific bill). H.R. 4173 (111th Congress, P.L. 111-203): Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act); legislative and regulatory implementation discussions covering rules and regulations, process, systems and structures, oversight, process, enforcement and compliance. General discussions covering the Dodd-Frank Act and provisions, Financial Stability Oversight Council, Office of Financial Research, systemically important financial institutions (SIFI) designations, prudential regulations, mortgage regulations (qualified mortgages, qualified residential mortgages), Volcker, CCAR and capital planning, bank liquidity, Basel, resolution planning, living wills, stress testing, corporate governance, enhanced prudential standards (165/166), remittance, 716, push-out, Title VII (swaps/derivatives), Title II, section 1071, end user margins, point/fees, pre-paid cards, new product development, examinations and other banking and financial services related provisions.
Client expense: $170,000 · Firm income: Not reported
Government targets: Consumer Financial Protection Bureau (CFPB), Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE
2016 · fourth_quarter · Financial Institutions/Investments/Securities
Discussions regarding payments technology H.R. 5465, to repeal section 1075 of the Consumer Financial Protection Act of 2010 relating to rules for payment card transactions H.R. 5983, The Financial CHOICE Act
Client expense: $1,760,000 · Firm income: Not reported
Government targets: Agriculture, Dept of (USDA), Commerce, Dept of (DOC), Federal Aviation Administration (FAA), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Internal Revenue Service (IRS), Office of Management & Budget (OMB), SENATE, State, Dept of (DOS), U.S. Trade Representative (USTR), White House Office
2016 · fourth_quarter · Banking
Monitor Data Security & Cyber Security legislation and working drafts. Monitor and discuss emerging mobile payment marketplace. Monitor and discuss the implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act (P.L. 111-203) and Sec. 920 related to debit card fee reforms. Monitor legislation and federal activities related to credit card swipe fees and changes to card network surcharging rules. H.R. 5465 - To repeal section 1075 of the Consumer Financial Protection Act of 2010 relating to rules for payment card transactions, and for other purposes. H.R. 2205/S.961 - Data Security Act of 2015. S. 1484 - Financial Regulatory Improvement Act of 2015. H.R. 1770 - Data Security and Breach Notification Act of 2015. H.R. 5983 - Financial CHOICE Act of 2016. H.R. 3664 - Promoting Good Cyber Hygiene Act of 2015.
Client expense: $730,000 · Firm income: Not reported
Government targets: Agriculture, Dept of (USDA), Education, Dept of, Energy, Dept of, Executive Office of the President (EOP), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Labor, Dept of (DOL), Natl Labor Relations Board (NLRB), Occupational Safety & Health Administration (OSHA), Office of Management & Budget (OMB), SENATE, Treasury, Dept of
2016 · fourth_quarter · Financial Institutions/Investments/Securities
Met with House on FinTech Met with House and Senate on large bank issues Met with House and Senate on credit card issues Met with House and Senate staff on capital leverage matters Met with House and Senate staff on flood insurance issues Met with House and Senate issues related to data security and payments system integrity Met with House and Senate on equities market structure reform Met with House and Senate on reauthorization of the Commodities Exchange Act and derivatives regulation Met with House and Senate on bond market issues Draft House Bill - the Main Street Growth Act - all provisions Met with House on draft legislation to amend the Regulation NMS governance structure Met with House on arbitration H.R.22 - the DRIVE Act, Section 52203 - reducing the dividend rate paid on Federal Reserve stock H.R.1266 - the Financial Product Safety Commission Act of 2015 - all provisions H.R.1486 - the Taking Account of Bureaucrats' Spending Act of 2015 - all provisions H.R.1560 - the Protecting Cyber Networks Act - all provisions H.R.1731 - the National Cybersecurity Protection Advancement Act of 2015 - all provisions H.R.1770 - the Data Security and Breach Notification Act of 2015 - application .R.2205 - The Data Security Act of 2015 - all provisions H.R.2209 - To require the appropriate Federal banking agencies to treat certain municipal obligations as level 2A liquid assets, and for other purposes H.R.2947 - the Financial Institution Bankruptcy Act - all provisions H.R. 5465, a bill to repeal section 1075 of the Consumer Financial Protection Act of 2010 relating to rules for payment card transactions, and for other purposes - all provisions H.R.5983 - The Financial CHOICE Act - all provisions H.R.6118 - The Financial Services Innovation Act - all provisions S.456 - Cyber Threat Sharing Act of 2015 - all provisions S.754 - Cybersecurity Information Sharing Act of 2015 - all provisions S.961 - the Data Security Act of 2015 - all provisions S.1709 - 21st Century Glass-Steagall Act of 2015 - all provisions S.1840 - Taxpayer Protection and Responsible Resolution Act - all provisions S.1841 - Taxpayer Protection and Responsible Resolution Act - all provisions S.3404 - A bill to amend the Federal Deposit Insurance Act to require the appropriate Federal banking agencies to treat certain municipal obligations as level 2B liquid assets, and for other purposes - all provisions
Client expense: $1,240,000 · Firm income: Not reported
Government targets: Executive Office of the President (EOP), HOUSE OF REPRESENTATIVES, SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of, White House Office
2016 · fourth_quarter · Financial Institutions/Investments/Securities
Issues related to mobile payments and payment processing, including: the Financial CHOICE Act of 2016 (H.R. 5938), financial innovation, and technology, including The Repeal of Section 1075 of the Consumer Financial Protection Act of 2010 (H.R. 5465).
Client expense: $2,660,000 · Firm income: Not reported
Government targets: Agriculture, Dept of (USDA), Commerce, Dept of (DOC), Defense, Dept of (DOD), Federal Aviation Administration (FAA), Federal Communications Commission (FCC), Federal Reserve System, Federal Trade Commission (FTC), General Services Administration (GSA), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Natl Aeronautics & Space Administration (NASA), Natl Economic Council (NEC), Natl Telecommunications & Information Administration (NTIA), Office of Management & Budget (OMB), Office of Science & Technology Policy (OSTP), Office of the Comptroller of the Currency (OCC), Patent & Trademark Office (PTO), Postal Regulatory Commission, SENATE, Small Business Administration (SBA), State, Dept of (DOS), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Copyright Office, U.S. Postal Service (USPS), U.S. Trade Representative (USTR), White House Office
2016 · fourth_quarter · Banking
Credit and Debit Swipe Fees S 1484 Financial Regulatory Improvement Act of 2015 EMV Transition HR 5983 The Financial CHOICE Act of 2016 HR 5465, To Repeal Section 1075 of the Consumer Financial Protection Act of 2010
Client expense: $40,000 · Firm income: Not reported
Government targets: Agriculture, Dept of (USDA), HOUSE OF REPRESENTATIVES, SENATE
2016 · fourth_quarter · Financial Institutions/Investments/Securities
HR 5465, to repeal Section 1075 of the Consumer Financial Protection Act of 2010 relating to rules for payment card transactions (full bill) Financial CHOICE Act (H.R.) - repeal of Durbin Amendment
Client expense: Not reported · Firm income: $80,000
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2016 · fourth_quarter · Small Business
HR 5465, to repeal Section 1075 of the Consumer Financial Protection Act of 2010 relating to rules for payment card transactions (full bill) Financial CHOICE Act (H.R.) - repeal of Durbin Amendment
Client expense: Not reported · Firm income: $80,000
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2016 · fourth_quarter · Banking
HR 5465, to repeal Section 1075 of the Consumer Financial Protection Act of 2010 relating to rules for payment card transactions (full bill) Financial CHOICE Act (H.R.) - repeal of Durbin Amendment
Client expense: Not reported · Firm income: $80,000
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2016 · fourth_quarter · Computer Industry
HR 5465, to repeal Section 1075 of the Consumer Financial Protection Act of 2010 relating to rules for payment card transactions (full bill) Financial CHOICE Act (H.R.) - repeal of Durbin Amendment
Client expense: Not reported · Firm income: $80,000
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2016 · fourth_quarter · Consumer Issues/Safety/Products
HR 5465, to repeal Section 1075 of the Consumer Financial Protection Act of 2010 relating to rules for payment card transactions (full bill) Financial CHOICE Act (H.R.) - repeal of Durbin Amendment
Client expense: Not reported · Firm income: $80,000
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2016 · fourth_quarter · Financial Institutions/Investments/Securities
H.R. 5465, "To repeal section 1075 of the Consumer Financial Protection Act of 2010 relating to rules for payment card transactions, and for other purposes.", regarding all provisions. H.R. 5983, "Financial CHOICE Act of 2016", provisions relating to Section 335. Monitor implementation of proposed regulations related to Section 1075 on debit card interchange fees in P.L. 111.203, the Wall Street Reform and Consumer Protection Act of 2009. Issues related to transition to Chip cards. Issues related to deferred interest. Issues related to gift cards.
Client expense: $250,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2016 · fourth_quarter · Banking
H.R. 5465 and H.R. 5983, Financial CHOICE Act, and specifically issues relating to repeal of section 1075 of the Consumer Financial Protection Act of 2010.
Client expense: Not reported · Firm income: $90,000
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2016 · fourth_quarter · Banking
HR 1309 / HR 6392, Systemic Risk Designation Improvement Act of 2015 (all provisions). S. 1484, Financial Regulatory Improvement Act of 2015 (all provisions). HR 2205 / S. 961, Data Security Act of 2015 (all provisions). S. 1901, Small Business Access to Capital Act of 2015 (all provisions). General discussions and issues small business lending, SBA 7a funding (no specific bill). HR 5983, Financial CHOICE Act (all provisions). General discussions and issues covering CFPB proposed payday, vehicle title, and certain high-cost installment loans rule, including 5% PTI (no specific bill). General discussions covering DOL fiduciary, arbitration, overdraft, small dollar lending and short term loan programs, deposit advance, and express banking (no specific bill). HR 5465, to repeal section 1075 of the Consumer Financial Protection Act of 2010 relating to rules for payment card transactions, and for other purposes (all provisions). HR 5027, to amend the Federal Reserve Act to adjust the circumstances under which Federal reserve bank stock is callable, and for other purposes (all provisions). Federal Reserve dividend proposal, language to amend the Fixing Americas Surface Transportation Act (FAST Act), 2016 highway/transportation funding bill, bank related funding provision (no specific bill). General discussions covering data and cyber security, payments and interchange, federal dividend pay-for (no specific bill). H.R. 4173 (111th Congress, P.L. 111-203): Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act); legislative and regulatory implementation discussions covering rules and regulations, process, systems and structures, oversight, process, enforcement and compliance. General discussions covering the Dodd-Frank Act and provisions, Financial Stability Oversight Council, Office of Financial Research, systemically important financial institutions (SIFI) designations, prudential regulations, mortgage regulations (qualified mortgages, qualified residential mortgages), Volcker, CCAR and capital planning, bank liquidity, Basel, resolution planning, living wills, stress testing, corporate governance, enhanced prudential standards (165/166), remittance, 716, push-out, Title VII (swaps/derivatives), Title II, section 1071, end user margins, point/fees, pre-paid cards, new product development, examinations and other banking and financial services related provisions.
Client expense: $160,000 · Firm income: Not reported
Government targets: Consumer Financial Protection Bureau (CFPB), Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE
2016 · fourth_quarter · Banking
Update House and Senate on Interchange/swipe fee reform issues, including competitive routing and pending surcharge legislation in states; provide retailers' perspective of issues in implementing mobile payment systems; data security and breach notification as it relates to sensitive financial data; H.R. 2205, Data Security Act of 2015; S. 1484, Financial Regulatory Improvement Act of 2015, indexing threshold of electronic funds transfer amendment to Dodd-Frank; appropriations language pertaining to threshold EFTA amendment; S. 1491, Community Financial Institution Regulatory Relief; discuss views of retail industry regarding EMV transition, fraud costs, Chip and PIN, tokenization, encryption, chargebacks, competition in debit routing and other payment innovation; H.R.5465 - To repeal section 1075 of the Consumer Financial Protection Act of 2010 relating to rules for payment card transactions, and for other purposes; Financial Choice Act (H.R. 5983), provisions to repeal Durbin amendment of Wall Street Reform and Consumer Protection Act of 2010; H.R. 6032, Data Breach Insurance Act, shared retail views on tax credits for purchase of data breach insurance, implementing cyber framework, tokenization, p2p encryption.
Client expense: $1,640,000 · Firm income: Not reported
Government targets: Commerce, Dept of (DOC), Consumer Product Safety Commission (CPSC), Environmental Protection Agency (EPA), Equal Employment Opportunity Commission (EEOC), Federal Aviation Administration (FAA), Federal Maritime Commission, Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Economic Council (NEC), Natl Labor Relations Board (NLRB), Occupational Safety & Health Administration (OSHA), Office of Management & Budget (OMB), Patent & Trademark Office (PTO), SENATE, Small Business Administration (SBA), State, Dept of (DOS), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Customs & Border Protection, U.S. Trade Representative (USTR), White House Office
2016 · fourth_quarter · Banking
Issues Related to Cyber Security & Data Security H.R. 1770 - Data Security and Breach Notification Act of 2015 H.R. 2205/S. 961 - Data Security Act of 2015 Issues Related to the Consumer Financial Protection Bureau H.R. 1226 - Financial Products Safety Commission Act of 2015 and S. 3196, Consumer Financial Protection Board Act of 2016 Issues related to the CFPBs rulemaking for prepaid cards Issues related to the CFPBs rulemaking under the Home Mortgage Disclosure Act and HR 4993, Homeowner Information Privacy Protection Act Issues related to Implementation of the TILA/RESPA Integrated Disclosures Issues related to anticipated rulemaking that would affect overdraft products and services Issues related to Campus Banking Products Issues related to The Fair Housing Act Issues related to CFPB Consumer Response Portal and H.R. 5491 Issues related to Auto Guidance Issues related to CFPB Arbitration Rule Issues related to CFPB Small-dollar Rule Issues related to CFPB Semi-annual report to Congress Issues related to Bankruptcy Reform Issues related to H.R. 5983 Financial Choice Act H.R. 5211, CFPB Dual Mandate and Economic Analysis Act H.R. 5112, Unfair or Deceptive Acts or Practices Uniformity Act Issues Related to Student Loans Issues related to the reauthorization of the Higher Education Act Issues related to the CFPBs and Department of Educations actions on student lending H.R. 5838/S. 3399, Transparency in Student Lending S. 3116/H.R. 3179, Empowering Students Through Enhanced Financial Counseling Act H.R. 1434/ S.793, Bank on Students Emergency Loan Refinancing Act H.R. 2677/H.R.5106, In the Red Act of 2016 Issues Related to Appropriations H.R. 5485/S. 3067, Financial Services and General Government Appropriations Act, 2017 HR. 2947 - Financial Institutions Bankruptcy Act Issues Related to Servicemembers S. 2393 - Foreclosure Relief and Extension for Servicemembers Act of 2015 S. 2719 - SCRA Enhancement and Improvement Act of 2016 Issues Related to the Community Reinvestment Act Issues Related to Debit Interchange H.R. 5465, To repeal section 1075 of the Consumer Financial Protection Act of 2010 relating to rules for payment card transactions, and for other purposes Issues Related to EMV (Europay, MasterCard, and Visa) Issues related to the Restructuring of the Fed Dividend Issues related to FinTech HR. 6287 - MOBILE Act Issues related to the E-SIGN Act Regulations: Equal Credit Opportunity issues, Regulation B, 12 CFR Part 1002 Home Mortgage Disclosure Act Issues, Regulation C, 12 CFR Part 1003 Fair Debt Collection Practices Issues, Regulation F, 12 CFR Part 1006 Privacy Issues, 12 CFR Parts 40, 216, 332, 1016 Fair Credit Reporting Issues, 12 CFR Parts 41, 171, 334, 1022 Real Estate Settlement Procedures Issues, Regulation X, 12 CFR Part 1024 Truth in Lending Issues, Regulation Z, 12 CFR Part 1026 Disclosure of Records and Information, 12 CFR Part 1070 Regulations related to the Dodd-Frank Act, Pub. L. No. 111-203 Issues related to the Higher Education Act Issues related to Telephone Consumer Protection Act, 47 U.S.C. 227 Issues related to Electronic Fund Transfer Act, 15 U.S.C. 1693 Department of Education Cash Management Rules Issues related to FDIC Deposit Insurance Issues related to the Paperwork Reduction Act Issues related to the Military Lending Act Community Reinvestment Act Regulations & Q&A issues Issues related to the Servicemembers Civil Relief Act
Client expense: $1,170,000 · Firm income: Not reported
Government targets: Consumer Financial Protection Bureau (CFPB), Defense, Dept of (DOD), Education, Dept of, Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of
S. 423 - Privacy Notice Modernization Act H.R. 601 - the Eliminate Privacy Notice Confusion Act H.R. 1309 - Systemic Risk Designation Improvement Act of 2015 S.819 Export - Import Bank Reform and Reauthorization Act of 2015 H.R. 1731 - the National Cybersecurity Protection Advancement Act of 2015 S.456 - Cyber Threat Sharing Act of 2015 H.R. 2205 - the Data Security Act of 2015 S. 1484 - Financial Regulatory Improvement Act of 2015 HR 1266 - Financial Products Safety Commission Act of 2015 HR 1737 - Reforming CFPB Indirect Auto Financing Guidance Act HR 2213 - Would provide a short safe-harbor period with respect to the new TILA-RESPA Integrated Disclosure (TRID) rule until January 1, 2016 HR 1210 - Portfolio Lending and Mortgage Access Act HR 1295 - Trade Preferences Bill H.R. 3038 - The Highway and Transportation Funding Act of 2015 H.R. 2499 - Veterans Entrepreneurship Act of 2015 HR 1090 - DOL - Retail Investor Protection Act H.R. 3808 - FHLB Membership rule HR 597 - Export-Import Bank Reform and Reauthorization Act of 2015 S. 754 - CISA, Cybersecurity Information Sharing Act of 2015 H.R. 22 - The DRIVE Act (Highway funding bill) H.R. 2205 - the Data Security Act of 2015 HR 2896 - TAILOR Act H. J. Res. 88 - Disapproving the rule submitted by the Department of Labor relating to the definition of the term "Fiduciary". HR 5027- Amend the Federal Reserve Act to adjust the circumstances under which Federal reserve bank stock is callable, and for other purposes. HR 5465 - To repeal section 1075 of the Consumer Financial Protection Act of 2010 relating to rules for payment card transactions, and for other purposes. HR 6287 - MOBILE Act HR 6118 - Financial Services Innovation Act HR 5660 - Retail Checking Account Protection Act HR 5983 - Financial CHOICE Act HR 6162 - Protect Prepaid Accounts Act Print Save as PDF Close this Window Clerk of the House of Representatives Legislative Resource Center 135 Cannon Building Washington, DC 20515 http://lobbyingdisclosure.house.govSecretary of the Senate Office of Public Records 232 Hart Building Washington, DC 20510 http://www.senate.gov/lobbyLOBBYING REPORT Lobbying Disclosure Act of 1995 (Section 5) - All Filers Are Required to Complete This Page 1. Registrant Name Organization/Lobbying Firm Self Employed Individual Compass Bank 2. Address Address1 15 South 20th Street Address2 ​Suite 1802 City Birmingham State AL Zip Code 35233 Country USA 3. Principal place of business (if different than line 2) City ​ State ​ Zip Code ​ Country ​ 4a. Contact Nameb. Telephone Numberc. E-mail ​Mr. ​S. Scott Sargent ​2052973880 ​Scott.Sargent@bbva.com 5. Senate ID# ​400745229-12 7. Client NameSelfCheck if client is a state or local government or instrumentality ​Compass Bank 6. House ID# ​416470000 TYPE OF REPORT8. Year ​2016 Q1 (1/1 - 3/31) Q2 (4/1 - 6/30) Q3 (7/1 - 9/30) Q4 (10/1 - 12/31) 9. Check if this filing amends a previously filed version of this report 10. Check if this is a Termination Report Termination Date ​ 11. No Lobbying Issue Activity INCOME OR EXPENSES - YOU MUST complete either Line 12 or Line 13 12. Lobbying13. Organizations INCOME relating to lobbying activities for this reporting period was:EXPENSE relating to lobbying activities for this reporting period were: Less than $5,000 Less than $5,000 $5,000 or more$ ​ $5,000 or more$ ​50,000.00 Provide a good faith estimate, rounded to the nearest $10,000, of all lobbying related income for the client (including all payments to the registrant by any other entity for lobbying activities on behalf of the client).14. REPORTING Check box to indicate expense accounting method. See instructions for description of options. Method A. Reporting amounts using LDA definitions only Method B. Reporting amounts under section 6033(b)(8) of the Internal Revenue Code Method C. Reporting amounts under section 162(e) of the Internal Revenue Code Signature Digitally Signed By: S. Scott Sargent Date LOBBYING ACTIVITY. Select as many codes as necessary to reflect the general issue areas in which the registrant engaged in lobbying on behalf of the client during the reporting period. Using a separate page for each code, provide information as requested. Add additional page(s) as needed. 15. General issue area code BAN 16. Specific lobbying issues S. 423 - Privacy Notice Modernization Act H.R. 601 - the Eliminate Privacy Notice Confusion Act H.R. 1309 - Systemic Risk Designation Improvement Act of 2015 S.819 Export - Import Bank Reform and Reauthorization Act of 2015 H.R. 1731 - the National Cybersecurity Protection Advancement Act of 2015 S.456 - Cyber Threat Sharing Act of 2015 H.R. 2205 - the Data Security Act of 2015 S. 1484 - Financial Regulatory Improvement Act of 2015 HR 1266 - Financial Products Safety Commission Act of 2015 HR 1737 - Reforming CFPB Indirect Auto Financing Guidance Act HR 2213 - Would provide a short safe-harbor period with respect to the new TILA-RESPA Integrated Disclosure (TRID) rule until January 1, 2016 HR 1210 - Portfolio Lending and Mortgage Access Act HR 1295 - Trade Preferences Bill H.R. 3038 - The Highway and Transportation Funding Act of 2015 H.R. 2499 - Veterans Entrepreneurship Act of 2015 HR 1090 - DOL - Retail Investor Protection Act H.R. 3808 - FHLB Membership rule HR 597 - Export-Import Bank Reform and Reauthorization Act of 2015 S. 754 - CISA, Cybersecurity Information Sharing Act of 2015 H.R. 22 - The DRIVE Act (Highway funding bill) H.R. 2205 - the Data Security Act of 2015 HR 2896 - TAILOR Act H. J. Res. 88 - Disapproving the rule submitted by the Department of Labor relating to the definition of the term "Fiduciary". HR 5027- Amend the Federal Reserve Act to adjust the circumstances under which Federal reserve bank stock is callable, and for other purposes. HR 5465 - To repeal section 1075 of the Consumer Financial Protection Act of 2010 relating to rules for payment card transactions, and for other purposes. HR 6287 - MOBILE Act HR 6118 - Financial Services Innovation Act HR 5660 - Retail Checking Account Protection Act HR 5983 - Financial CHOICE Act HR 6162 - Protect Prepaid Accounts Act HR 6392 - Systemic Risk Designation Improvement Act (reintroduced version of HR 1309)
Client expense: $50,000 · Firm income: Not reported
Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of
2016 · fourth_quarter · Banking
H.R. 601, the Eliminate Privacy Notice Confusion Act (to provide an exemption from the Gramm-Leach-Bliley Acts annual notice requirement for institutions that have not changed their privacy policies and only share personal information within the statutory exceptions. S. 423, the Privacy Notice Modernization Act (counterpart to H.R. 601). H.R. 1113, the Portfolio Lending and Mortgage Access Act; H.R. 1210, the Portfolio Lending and Mortgage Access Act (would provide that loans originated and held in portfolio are treated as Qualified Mortgages). H.R. 1233, the CLEARR Act of 2015 (to provide an exemption from the Gramm-Leach-Bliley Acts annual notice requirement). S. 812, the CLEAR Relief Act of 2015 (a companion bill to H.R. 1233). H.R. 888, Subsidy Reserve Act of 2015, to require nonbank financial companies supervised by the Federal Reserve Board and bank holding companies over $500 billion of assets to establish and maintain Subsidy Reserves. H.R. 1389, the American Jobs and Community Revitalization Act (provides a QM Safe Harbor for loans held in portfolio and establishes an application process for treatment as a rural or underserved area for purposes of QM. H.R. 1408, The Mortgage Servicing Asset Capital Requirements Act (postpones Basel III rules on mortgage servicing assets until their impact can be studied). H.R. 1529, the Community Institution Mortgage Relief Act (provides a legal safe harbor from escrow requirements for smaller institutions that hold loans in portfolio for three years). H.R. 3468, Credit Union Share Insurance Fund Parity Act (amended the Federal Credit Union Act to extend insurance coverage to IOLTAs.) H.R. 3791, to raise the consolidated assets threshold under the small bank holding company policy statement. H.R. 1334, the Holding Company Registration Threshold Equalization Act H.R. 1259/ S. 871, the Helping Expand Lending Practices (HELP) in Rural Communities Act S. 1484, the Financial Regulatory Improvement Act of 2015 H.R. 2896/S.3153, the TAILOR Act H.R. 766/S. 2790, the Financial Institution Consumer Protection Act of 2015 H.R. 1553, the Small Bank Exam Cycle Reform Act of 2015 H.R. 4116/S.3373, to ensure that the reciprocal deposits of an insured depository institution are not considered to be funds obtained by or through a deposit broker H.R. 5660, Retail Checking Account Protection Act of 2016 H.R. 4500, Community Bank Reporting Relief Act H.R 2209, to require the appropriate federal banking agencies to treat certain municipal obligations as level 2A liquid assets H.R. 5027, to amend the Federal Reserve Act to adjust the circumstances under which Federal Reserve bank stock is callable H.R. 5465, to repeal section 1075 of the Consumer Financial Protection Act of 2010 relating to rules for payment card transactions, and for other purposes H.R. 6162, to ensure that prepaid funds deposited in an insured depository institution satisfy the requirements of the primary purpose exclusion to the definition of deposit broker S. 3404, to require the appropriate Federal banking agencies to treat certain municipal obligations as level 2B liquid assets Basel Capital Rules Basel Liquidity Rules Accountability for Basel/FSB negotiations Volcker Rule Reform DoL Fiduciary Rule H.R. 5983, The Financial CHOICE Act De novo banks
Client expense: $2,840,000 · Firm income: Not reported
Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), Office of Management & Budget (OMB), SENATE
2016 · fourth_quarter · Banking
Issues related to swipe fees. Issues related to mobile payments. H.R. 5465 & H.R. 5983, Financial CHOICE Act, issues related to repeal of sect. 1075 of the Consumer Financial Protection Act of 2010.
Client expense: Not reported · Firm income: $60,000
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2016 · fourth_quarter · Small Business
Issues related to swipe fees. Issues related to mobile payments. H.R. 5465 & H.R. 5983, Financial CHOICE Act, issues related to repeal of sect. 1075 of the Consumer Financial Protection Act of 2010.
Client expense: Not reported · Firm income: $60,000
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2016 · fourth_quarter · Financial Institutions/Investments/Securities
Issues related to routing and interchange fees, including the Financial Choice Act (H.R. 5983), and repeal of section 1075 of the Consumer Financial Protection Act of 2010 relating to rules for payment card transactions, and for other purposes (H.R. 5465).
Client expense: $160,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2016 · fourth_quarter · Banking
Discussions regarding dividends of federal reserve banks Monitored S.1484, Financial Regulatory Improvement Act of 2015 Monitored H.R.5465, To repeal section 1075 of the Consumer Financial Protection Act of 2010 relating to rules for payment card transactions, and for other purposes.
Client expense: Not reported · Firm income: $30,000
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2016 · fourth_quarter · Banking
H.R.5019, Fair Access to Investment Research Act of 2016 (All sections of full text) S.3092, Fair Access to Investment Research Act of 2016 (All sections of full text) Monitored H.R.5465, To repeal section 1075 of the Consumer Financial Protection Act of 2010 relating to rules for payment card transactions, and for other purposes.
Client expense: Not reported · Firm income: $60,000
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2016 · fourth_quarter · Consumer Issues/Safety/Products
Dodd-Frank Consumer Protection and Wall Street Reform Act implementation, including, but not limited to, interchange fees, brokered deposits, Volcker Rule, mortgage reform, credit and debit products, consumer disclosures and capital standards. H.R. 1057 & S. 560, Promoting Automotive Repair, Trade, and Sales Act of 2015, PARTS Act. H.R. 1090, The Retail Investor Protection Act. S. 1484, The Financial Regulatory Improvement Act. H.R. 5465, To repeal section 1075 of the Consumer Financial Protection Act of 2010 relating to rules for payment card transactions, and for other purposes.
Client expense: $1,150,000 · Firm income: Not reported
Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Transportation, Dept of (DOT), Treasury, Dept of
2016 · fourth_quarter · Financial Institutions/Investments/Securities
Dodd-Frank Consumer Protection and Wall Street Reform Act implementation, including, but not limited to, interchange fees, brokered deposits, Volcker Rule, mortgage reform, credit and debit products, consumer disclosures and capital standards. Insurance Capital Standards Clarification Act of 2014 implementation. H.R. 1090, The Retail Investor Protection Act. S. 1484, The Financial Regulatory Improvement Act. H.R. 5465, To repeal section 1075 of the Consumer Financial Protection Act of 2010 relating to rules for payment card transactions, and for other purposes.
Client expense: $1,150,000 · Firm income: Not reported
Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Transportation, Dept of (DOT), Treasury, Dept of
2016 · fourth_quarter · Banking
Dodd-Frank Consumer Protection and Wall Street Reform Act implementation, including, but not limited to, interchange fees, brokered deposits, Volcker Rule, mortgage reform, credit and debit products, consumer disclosures and capital standards. Insurance Capital Standards Clarification Act of 2014 implementation. H.R. 1090, The Retail Investor Protection Act. S. 1484, The Financial Regulatory Improvement Act. H.R. 5465, To repeal section 1075 of the Consumer Financial Protection Act of 2010 relating to rules for payment card transactions, and for other purposes.
Client expense: $1,150,000 · Firm income: Not reported
Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Transportation, Dept of (DOT), Treasury, Dept of
2016 · fourth_quarter · Banking
Issues related to credit union operations Issues related to credit union field of membership Issues related to credit union service organizations Issues related to vacancies on the National Credit Union Administration (NCUA) Board Issues related to NCUAs low income designation regulations Issues related to NCUA examination procedures Issues related to NCUAs regulation regarding its regulatory flexibility program Issues related to NCUAs proposed rule regarding emergency liquidity Issues related to NCUAs rulemaking process Issues related to material loss reports of the NCUA Office of Inspector General Issues related to the authority of the CFPB to exempt credit unions from its rulemaking Issues related to the CFPB proposal related to remittances and international wire transfers Issues related to the proposed CFPB form on RESPA/TILA Issues related to CFPBs Leadership Structure and Installing a Board Rather than Director Issues related to funding the CFPB through the Appropriations Process Issues related to increasing the CFPB Examination Threshold Issues related to conducting a cost-benefit analysis of all CFPB Proposals Issues related to codifying the CFPBs Credit Union Advisory Council Issues related to requiring SBREFA Panels for CFPB Rulemakings Issues related to standardizing the definition of mortgage originator Issues related to overdraft protection and check ordering practices Issues related to mortgage servicing Issues related to mortgage loan originator compensation and qualifications Issues related to high-cost mortgage loans (HOEPA) Issues related to the CFPBs proposed rule regarding qualified mortgage / ability to repay Issues related to reverse mortgages Issues related to the Financial Accounting Standards Board (FASB) Issues related to mark-to-market accounting Issues related to private equity standards Issues related to the implementation of the Unlawful Internet Gambling Prohibition Act Issues related to data and cyber security Issues related to mobile banking and mobile payments Issues related to the oversight of the Federal Housing Administration Issues related to USDA Rural Development Loan program Issues related to identity theft and fraud reduction Issues related to student lending Issues related to the Federal Home Loan Bank System Issues related to short term lending products and advance deposit products Issues related to patent reform Issues related to Federal Credit Union bylaws Issues relating to home-based credit unions Issues related to NCUAs risk-based capital proposal Issues related to NCUAs proposed rule on securitization Issues related to NCUAs regulatory review process Issues related to credit union loan maturity restrictions Issues related to credit union investment authority Issues related to Regulation of Federal Credit Union by-laws Issues related to credit unions incidental powers Issues related to credit unions ability to offer prepaid cards Issues related to Ginnie Mae capital Issues related to credit union service to marijuana businesses Issues related to financial literacy Issues related to the Department of Justices investigation entitled, Operation Choke Point Issues related to membership eligibility in the Federal Home Loan Bank System. Issues related to the Department of Defense proposal regarding Credit Extending to Service Members under MLA Issues related to the Economic Growth and Regulatory Paperwork Reduction Act process Issues related to indirect auto lending Issues related to fixed assets Issues related to merchant data breaches Issues related to the payments system Issues related to FHFA proposed rules and FHLB eligibility for credit unions Issues related to Federal Reserve Regulatory D Issues related to 1-4 Family Non-Owner Occupied Residential Loan Treatment as Residential Rather than Business Loans Issues related to the use of Eminent Domain to Seize Performing Mortgage Loans Issues related to Housing Finance Reform Issues related to the implementation of the remittances provisions in the Dodd-Frank Act Issues related to NCUAs proposal rule on Member Business Lending Issues related to NCUAs proposed rule on Interest on Lawyer Trust Accounts (IOLTA) Issues related to credit union service to unbanked and underbanked consumers Issues related to the United States Postal Service Office of Inspector General report related to role of the postal service in financial services Issues related to the Feds implementation of same-day ACH Issues related to the regulation of corporate credit unions Issues related to the CFPBs proposed regulation on Home Mortgage Disclosure Act (Regulation C) Issues related to the payday, vehicle title, and similar lending Issues related to the CFPBs consumer complaint database Issues related to NCUAs Fixed Assets rule Issues related to NCUAs definition of small entity Issues related to NCUA's Proposed Rule on Member Business Lending Issues related to the Department of Labor's Proposed Rule on the Definition of Fiduciary Issues related to the Telephone Consumer Protection Act Issues related to the Bank Secrecy Act and Currency Transaction Reporting Requirements Issues related to the Department of Labor's Proposed Overtime Eligibility rule Issues related to credit union conversions Issues related to the CFPB's proposal on arbitration Issues related to secure payments Issues related to credit union call report modernization H.R. 9, the Innovation Act, all provisions H.R. 22, the FAST Act, Title LXXV, provisions related to privacy notice requirements; Title LXXXII, provisions related to the eligibility of privately insured credit unions to join a Federal Home Loan Bank; Title LXXXIX, provisions related to the designation of rural areas by the Consumer Financial Protection Bureau H.R. 185, Regulatory Accountability Act of 2015 H.R. 299, the Capital Access for Small Community Financial Institutions Act of 2015, all provisions H.R. 527, the Small Business Regulatory Flexibility Improvements Act of 2015 H.R. 601, the Eliminate Privacy Notice Confusion Act, all provisions H.R. 650, Preserving Access to Manufactured Housing Act, all provision H.R. 685, the Mortgage Choice Act, all provisions H.R. 766, Financial Institution Consumer Protection Act, all provisions H.R. 957, the Bureau of Consumer Financial Protection Inspector General Reform Act, all provisions H.R. 989, the Capital Access for Small Businesses Jobs Creation Act, all provisions H.R. 1090, Retail Investor Protection Act, all provisions H.R. 1176, the NCUA Budget Transparency Act, all provisions H.R. 1188, the Credit Union Small Business Jobs Creation Act, all provisions H.R. 1195, the Bureau of Consumer Financial Protection Advisory Boards Act, all provisions H.R. 1210, the Portfolio Lending and Mortgage Access Act, H.R. 1233, the Community Lending Enhancement and Regulatory Relief Act of 2015 H.R. 1259, the Helping Expand Lending Practices in Rural Communities Act, all provisions H.R. 1263, Consumer Financial Protection Safety and Soundness Improvement Act of 2015 H.R. 1265, the Bureau Advisory Commission Transparency Act, all provision H.R. 1266, the Financial Products Safety Commission Act of 2015 H.R. 1408, requiring a study of the capital requirements for mortgage servicing assets H.R. 1422, the Credit Union Residential Loan Parity Act H.R. 1480, the SAFE Confidentiality and Privilege Enhancement Act H.R. 1523, Community Bank Access to Capital Act of 2015 H.R. 1529, the Community Institution Mortgage Relief Act Discussion Draft, Data Security and Breach Notification Act of 2015 H.R. 1660, the Federal Savings Association Charter Flexibility Act, all provisions H.R. 1941, the Financial Institution Examination Fairness and Reform Act H.R. 2205, the Data Security Act H.R. 2213, to provide for a temporary safe harbor from the enforcement of integrated disclosure requirements for mortgage loan transactions under the Real Estate Settlement Procedures Act of 1974 and the Truth in Lending Act, and for other purposes. H.R. 2287, the National Credit Union Administration Budget Transparency Act H.R. 2473, the Preserving Capital Access and Mortgage Liquidity Act H.R. 2769, the Risk-Based Capital Study Act, all provisions H.R. 2896, the Taking Account of Institutions with Low Operation Risk (TAILOR) Act H.R. 3192, the Homebuyer Assistance Act, all provisions H.R. 4538, the Senior $afe Act, all provisions H.R. 4893, the Risk Management and Homeowner Stability Act, all provisions H.R. 4997, the Home Mortgage Disclosure Adjustment Act, all provisions H.R. 5465, a bill to repeal section 1075 of the Consumer Financial Protection Act of 2010 relating to rules for payment card transactions, all provisions H.R. 5983, the Financial CHOICE Act, all provisions S. 423, the Privacy Notice Modernization Act, all provisions S. 482, the Consumer Financial Protection Bureau Examination Reporting Threshold Act of 2015, all provisions S. 774 Financial Institutions Examination Fairness and Reform Act, all provisions S. 871, the Helping Expand Lending Practices in (HELP) Rural Communities Act S. 924, the National Credit Union Administration Budget Transparency Act S. 961, the Data Security Act S. 1367, a bill to amend the Federal Home Loan Bank Act with respect to membership eligibility of certain institutions S. 1440, the Credit Union Residential Loan Parity Act S. 1484, the Financial Regulatory Improvement Act, Title I S. 2216, the Senior$afe Act, all provisions The Heck-Stivers Amendment to H.R. 1735, the National Defense Authorization Act, related to the Department of Defenses MLA Database Discussion draft of the Financial Creating Hope and Opportunity for Investors, Consumers and Entrepreneurs (CHOICE) Act, all provisions
Client expense: $920,000 · Firm income: Not reported
Government targets: Agriculture, Dept of (USDA), Consumer Financial Protection Bureau (CFPB), Executive Office of the President (EOP), Federal Communications Commission (FCC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), SENATE, Small Business Administration (SBA), Treasury, Dept of
2016 · fourth_quarter · Banking
H.R.6392, Systemic Risk Designation Improvement Act of 2016 (All sections of full text)- Efforts in support of bill S.1484, Financial Regulatory Improvement Act of 2015 (All sections of full text) Monitored discussions regarding dividends of federal reserve banks Monitored H.R.5465, To repeal section 1075 of the Consumer Financial Protection Act of 2010 relating to rules for payment card transactions, and for other purposes.
Client expense: Not reported · Firm income: $20,000
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2016 · fourth_quarter · Banking
Discussions relating to EMV and liability shift Monitored H.R.5465, To repeal section 1075 of the Consumer Financial Protection Act of 2010 relating to rules for payment card transactions, and for other purposes.
Client expense: Not reported · Firm income: $70,000
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2016 · fourth_quarter · Banking
Dodd-Frank. Sec 920. Provisions related to routing choice compliance. Provisions related to reasonable and proportional fees, network routing, network rule practices, and fraud prevention adjustment. H.R 5983. Financial CHOICE Act. Section 335 regarding debit reform repeal. H.R. 5465. To repeal section 1075 of the Consumer Financial Protection Act of 2010 relating to rules for payment card transactions, and for other purposes. Education surrounding transition to EMV chip cards. Education surrounding innovation in payments, including mobile commerce and security technologies.
Client expense: Not reported · Firm income: $10,000
Government targets: Consumer Financial Protection Bureau (CFPB), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, SENATE
2016 · third_quarter · Banking
Update House and Senate on Interchange/swipe fee reform issues, including competitive routing and pending surcharge legislation in states; provide retailers' perspective of issues in implementing mobile payment systems; data security and breach notification as it relates to sensitive financial data; H.R. 2205, Data Security Act of 2015; S. 1484, Financial Regulatory Improvement Act of 2015, indexing threshold of electronic funds transfer amendment to Dodd-Frank; appropriations language pertaining to threshold EFTA amendment; S. 1491, Community Financial Institution Regulatory Relief; discuss views of retail industry regarding EMV transition, fraud costs, Chip and PIN, tokenization, encryption, chargebacks, competition in debit routing and other payment innovation; H.R.5465 - To repeal section 1075 of the Consumer Financial Protection Act of 2010 relating to rules for payment card transactions, and for other purposes; Financial Choice Act (H.R. 5983), provisions to repeal Durbin amendment of Wall Street Reform and Consumer Protection Act of 2010; H.R. 6032, Data Breach Insurance Act, shared retail views on tax credits for purchase of data breach insurance, implementing cyber framework, tokenization, p2p encryption.
Client expense: $1,760,000 · Firm income: Not reported
Government targets: Commerce, Dept of (DOC), Consumer Product Safety Commission (CPSC), Environmental Protection Agency (EPA), Equal Employment Opportunity Commission (EEOC), Federal Aviation Administration (FAA), Federal Maritime Commission, Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Economic Council (NEC), Natl Labor Relations Board (NLRB), Office of Management & Budget (OMB), Patent & Trademark Office (PTO), SENATE, Small Business Administration (SBA), State, Dept of (DOS), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Customs & Border Protection, U.S. Trade Representative (USTR), White House Office
2016 · third_quarter · Financial Institutions/Investments/Securities
Met with House on FinTech Met with House and Senate on large bank issues Met with House and Senate on credit card issues Met with House and Senate staff on capital leverage matters Met with House and Senate staff on flood insurance issues Met with House and Senate issues related to data security and payments system integrity Met with House and Senate on equities market structure reform Met with House and Senate on reauthorization of the Commodities Exchange Act and derivatives regulation Met with House and Senate on bond market issues Draft House Bill - the Main Street Growth Act - all provisions Met with House on draft legislation to amend the Regulation NMS governance structure Met with House on arbitration H.R.22 - the DRIVE Act, Section 52203 - reducing the dividend rate paid on Federal Reserve stock H.R.1266 - the Financial Product Safety Commission Act of 2015 - all provisions H.R.1486 - the Taking Account of Bureaucrats' Spending Act of 2015 - all provisions H.R.1560 - the Protecting Cyber Networks Act - all provisions H.R.1731 - the National Cybersecurity Protection Advancement Act of 2015 - all provisions H.R.1770 - the Data Security and Breach Notification Act of 2015 - application .R.2205 - The Data Security Act of 2015 - all provisions H.R.2209 - To require the appropriate Federal banking agencies to treat certain municipal obligations as level 2B liquid assets, and for other purposes H.R.2947 - the Financial Institution Bankruptcy Act - all provisions H.R. 5465, a bill to repeal section 1075 of the Consumer Financial Protection Act of 2010 relating to rules for payment card transactions, and for other purposes - all provisions H.R.5983 - The Financial CHOICE Act - all provisions S.456 - Cyber Threat Sharing Act of 2015 - all provisions S.754 - Cybersecurity Information Sharing Act of 2015 - all provisions S.961 - the Data Security Act of 2015 - all provisions S.1709 - 21st Century Glass-Steagall Act of 2015 - all provisions S.1840 - Taxpayer Protection and Responsible Resolution Act - all provisions S.1841 - Taxpayer Protection and Responsible Resolution Act - all provisions S.3404 - A bill to amend the Federal Deposit Insurance Act to require the appropriate Federal banking agencies to treat certain municipal obligations as level 2B liquid assets, and for other purposes - all provisions
Client expense: $1,310,000 · Firm income: Not reported
Government targets: Executive Office of the President (EOP), HOUSE OF REPRESENTATIVES, SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of, White House Office
2016 · third_quarter · Banking
H.R. 2209: A bill to require the appropriate Federal banking agencies to treat certain municipal obligations as level 2A liquid assets, and for other purposes; Provisions related bank regulation. H.R. 2947: A bill to amend title 11 of the United States Code in order to facilitate the resolution of an insolvent financial institution in bankruptcy; Provisions related bankruptcy reform. S. 1840: A bill to amend title 11, United States Code to provide for the liquidation, reorganization, or recapitalization of a covered financial corporation, and for other purposes; Provisions related to bankruptcy reform. S. 1841: A bill to amend title 11, United States Code to provide for the liquidation, reorganization, or recapitalization of a covered financial corporation, and for other purposes; Provisions related bankruptcy reform. H.R. 2205: A bill to protect financial information relating to consumers, to require notice of security breaches, and for other purposes; Provisions related to data security. H.R. 4450: A bill to amend title 31, United States Code, to ensure that persons who form corporations or limited liability companies in the United States disclose the beneficial owners of those corporations or limited liability companies, in order to prevent wrongdoers from exploiting United States corporations and limited liability companies for criminal gain, to assist law enforcement in detecting, preventing, and punishing terrorism, money laundering, and other misconduct involving United States corporations and limited liability companies, and for other purposes; Provisions related to AML / BSA. H.R. 5027: A bill to amend the Federal Reserve Act to adjust the circumstances under which Federal reserve bank stock is callable, and for other purposes; Provisions related to Federal Reserve Bank Stock. H.R. 5465: A bill to repeal section 1075 of the Consumer Protection Financial Act of 2010 relating to rules for payment card transactions, and for other purposes; Provisions related to interchange. H.R. 5485: Financial Services and General Government Appropriations Act, 2017; Provisions related to bankruptcy. H.R. 5606: A bill to facilitate better information sharing to assist in the fight against the funding of terrorist activities, and for other purposes; Provisions related to AML / BSA. S. 2040: Justice Against Sponsors of Terrorism Act: A bill to deter terrorism, provide justice for victims, and for other purposes; Provisions related to liability. S. 2489: A bill to ensure that persons who form corporations in the United States disclose the beneficial owners of those corporations, in order to prevent the formation of corporations with hidden owners, stop the misuse of United States corporations by wrongdoers, and assist law enforcement in detecting, preventing, and punishing terrorism, money laundering, tax evasion, and other criminal and civil misconduct involving United States corporations, and for other purposes; Provisions related to AML / BSA. H.R. 5724: Protecting Consumers' Access to Credit Card Act of 2016. A bill to amend the Revised Statutes of the US and the Federal Deposit Insurance Act to require the rate of interset on certain loans remain unchanged after transfer of the loan, and for other purposes; Provisions related to Federal Deposit Insurance Act. H.R. 5983: Financial CHOICE Act of 2016: A bill to create hope and opportunity for consumers, investors and entrepreneurs by ending bailouts and TBTF, holding Washington and Wall Street accountable, eliminating red tape to increase access to capital and credit, and repealing provisions of the DFA that make America less prosperous, less stable, less free, and for other purposes; Provisions related to capital regulation; bankruptcy. S. 961: A bill to protect information relating to consumers, to require notice of security breaches, and for other purposes; Provisions related to payment card transactions. S. 3067: Financial Services and General Government Appropriations Act, 2017: A bill making appropriations for financial services and general government for the FY ending September 30, 2017, and for other purposes; Provisions related to bankruptcy. S. 3404: A bill to amend the Federal Deposit Insurance Act to require the appropriate Federal banking agencies to treat certain municipal obligations as level 2B liquid assets, and for other purposes; Provisions related to liquidity coverage ratio. Issues relating to the convention on the law applicable to certain rights in respect of securities held with an intermediary; Provisions related to securities. DFA Title I, Implementation of Title I of Dodd-Frank; Provisions related to financial stability. Orderly Liquidation, Implementation of Title II of Dodd-Frank; Provisions related to bank resolution.
Client expense: $180,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2016 · third_quarter · Banking
Dodd-Frank Act implementation issues; Capital issues; Data security and data breach notification issues; Issues related to OCC/CFPB/City of Los Angeles settlements regarding sales practices; H.R.1309, Systemic Risk Designation Improvement Act of 2015, all provisions; S. Con Res 11, Senate Budget Resolution; H.R.381, Return to Prudent Banking Act of 2015, all provisions; S.729, Fairness for Struggling Students Act of 2015, all provisions; Issues relating to Department of Education rulemaking concerning campus card products; S.1840, Taxpayer Protection and Responsible Resolution Act, all provisions; H.R.37, Promoting Job Creation and Reducing Small Business Burdens Act, all provisions; S.1709/H.R.3054, 21st Century Glass-Steagall Act of 2015, all provisions; Issues relating to the Telephone Consumer Protection Act (TCPA) and petitions filed with the FCC concerning reassigned numbers; H.R.22, FAST Act, all provisions; H.R.2029, Consolidated Appropriations Act, 2016, all provisions; House Amendment #1 to the Senate Amendment to H.R. 2029 (Consolidated Appropriations Bill); H.R. 2896, TAILOR Act of 2015, all provisions; H.R.2209, To require the appropriate Federal banking agencies to treat certain municipal obligations as level 2A liquid assets, and for other purposes; H.R. 2947, Financial Institution Bankruptcy Act of 2016, all provisions; H.R. 5465, repeal section 1075 of the Consumer Financial Protection Act of 2010 relating to rules for payment card transactions; Issues related to interchange fees for electronic payments; Issues relating to Department of Defense Military Lending Act rules; H.R. 5485, 2017 Financial Services-General Government Appropriations Bill, all provisions; H.R. 5027, To amend the Federal Reserve Act to adjust the circumstances under which Federal reserve bank stock is callable, and for other purposes; S.3404, amends the Federal Deposit Insurance Act to require the appropriate Federal banking agencies to treat certain municipal obligations as level 2B liquid assets.
Client expense: $1,090,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of
2016 · third_quarter · Financial Institutions/Investments/Securities
Discussions regarding payments technology H.R. 5465, to repeal section 1075 of the Consumer Financial Protection Act of 2010 relating to rules for payment card transactions H.R. 5983, The Financial CHOICE Act
Client expense: $1,470,000 · Firm income: Not reported
Government targets: Agriculture, Dept of (USDA), Commerce, Dept of (DOC), Federal Aviation Administration (FAA), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), SENATE, U.S. Trade Representative (USTR), White House Office
2016 · third_quarter · Banking
Monitor Data Security & Cyber Security legislation and working drafts. Monitor and discuss emerging mobile payment marketplace. Monitor and discuss the implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act (P.L. 111-203) and Sec. 920 related to debit card fee reforms. Monitor legislation and federal activities related to credit card swipe fees and changes to card network surcharging rules. H.R. 5465 - To repeal section 1075 of the Consumer Financial Protection Act of 2010 relating to rules for payment card transactions, and for other purposes. H.R. 2205/S.961 - Data Security Act of 2015. S. 1484 - Financial Regulatory Improvement Act of 2015. H.R. 1770 - Data Security and Breach Notification Act of 2015. H.R. 5983 - Financial CHOICE Act of 2016. H.R. 3664 - Promoting Good Cyber Hygiene Act of 2015.
Client expense: $740,000 · Firm income: Not reported
Government targets: Agriculture, Dept of (USDA), Education, Dept of, Energy, Dept of, Executive Office of the President (EOP), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Labor, Dept of (DOL), Natl Labor Relations Board (NLRB), Occupational Safety & Health Administration (OSHA), Office of Management & Budget (OMB), SENATE, Treasury, Dept of
2016 · third_quarter · Financial Institutions/Investments/Securities
Issues related to mobile payments and payment processing, including: the Financial CHOICE Act of 2016 (H.R. 5938), financial innovation, and technology, including The Repeal of Section 1075 of the Consumer Financial Protection Act of 2010 (H.R. 5465).
Client expense: $2,710,000 · Firm income: Not reported
Government targets: Agriculture, Dept of (USDA), Commerce, Dept of (DOC), Defense, Dept of (DOD), Federal Aviation Administration (FAA), Federal Communications Commission (FCC), Federal Reserve System, Federal Trade Commission (FTC), General Services Administration (GSA), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Natl Aeronautics & Space Administration (NASA), Natl Economic Council (NEC), Natl Telecommunications & Information Administration (NTIA), Office of Management & Budget (OMB), Office of Science & Technology Policy (OSTP), Office of the Comptroller of the Currency (OCC), Patent & Trademark Office (PTO), Postal Regulatory Commission, SENATE, Small Business Administration (SBA), State, Dept of (DOS), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Copyright Office, U.S. Postal Service (USPS), U.S. Trade Representative (USTR), White House Office
2016 · third_quarter · Banking
Update House and Senate on Interchange/swipe fee reform issues, including competitive routing and pending surcharge legislation in states; provide retailers' perspective of issues in implementing mobile payment systems; data security and breach notification as it relates to sensitive financial data; H.R. 2205, Data Security Act of 2015; S. 1484, Financial Regulatory Improvement Act of 2015, indexing threshold of electronic funds transfer amendment to Dodd-Frank; appropriations language pertaining to threshold EFTA amendment; S. 1491, Community Financial Institution Regulatory Relief; discuss views of retail industry regarding EMV transition, fraud costs, Chip and PIN, tokenization, encryption, chargebacks, competition in debit routing and other payment innovation; H.R.5465 - To repeal section 1075 of the Consumer Financial Protection Act of 2010 relating to rules for payment card transactions, and for other purposes; Financial Choice Act (H.R. 5983), provisions to repeal Durbin amendment of Wall Street Reform and Consumer Protection Act of 2010; H.R. 6032, Data Breach Insurance Act, shared retail views on tax credits for purchase of data breach insurance, implementing cyber framework, tokenization, p2p encryption.
Client expense: $1,760,000 · Firm income: Not reported
Government targets: Commerce, Dept of (DOC), Consumer Product Safety Commission (CPSC), Environmental Protection Agency (EPA), Equal Employment Opportunity Commission (EEOC), Federal Aviation Administration (FAA), Federal Maritime Commission, Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Economic Council (NEC), Natl Labor Relations Board (NLRB), Office of Management & Budget (OMB), Patent & Trademark Office (PTO), SENATE, Small Business Administration (SBA), State, Dept of (DOS), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Customs & Border Protection, U.S. Trade Representative (USTR), White House Office
2016 · third_quarter · Financial Institutions/Investments/Securities
Issues related to routing and interchange fees, including the Financial Choice Act (H.R. 5983) and repeal of section of 1075 of the Consumer Financial Protection Act of 2010 relating to rules for payment card transactions, and for other purposes (H.R. 5465).
Client expense: $100,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE
S. 423 - Privacy Notice Modernization Act H.R. 601 - the Eliminate Privacy Notice Confusion Act H.R. 1309 - Systemic Risk Designation Improvement Act of 2015 S.819 Export - Import Bank Reform and Reauthorization Act of 2015 H.R. 1731 - the National Cybersecurity Protection Advancement Act of 2015 S.456 - Cyber Threat Sharing Act of 2015 H.R. 2205 - the Data Security Act of 2015 S. 1484 - Financial Regulatory Improvement Act of 2015 HR 1266 - Financial Products Safety Commission Act of 2015 HR 1737 - Reforming CFPB Indirect Auto Financing Guidance Act HR 2213 - Would provide a short safe-harbor period with respect to the new TILA-RESPA Integrated Disclosure (TRID) rule until January 1, 2016 HR 1210 - Portfolio Lending and Mortgage Access Act HR 1295 - Trade Preferences Bill H.R. 3038 - The Highway and Transportation Funding Act of 2015 H.R. 2499 - Veterans Entrepreneurship Act of 2015 HR 1090 - DOL - Retail Investor Protection Act H.R. 3808 - FHLB Membership rule HR 597 - Export-Import Bank Reform and Reauthorization Act of 2015 S. 754 - CISA, Cybersecurity Information Sharing Act of 2015 H.R. 22 - The DRIVE Act (Highway funding bill) H.R. 2205 - the Data Security Act of 2015 HR 2896 - TAILOR Act H. J. Res. 88 - Disapproving the rule submitted by the Department of Labor relating to the definition of the term "Fiduciary". HR 5027- Amend the Federal Reserve Act to adjust the circumstances under which Federal reserve bank stock is callable, and for other purposes. HR 5465 - To repeal section 1075 of the Consumer Financial Protection Act of 2010 relating to rules for payment card transactions, and for other purposes. HR 6287 - MOBILE Act HR 6118 - Financial Services Innovation Act HR 5660 - Retail Checking Account Protection Act HR 5983 - Financial CHOICE Act HR 6162 - Protect Prepaid Accounts Act
Client expense: $50,000 · Firm income: Not reported
Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of
2016 · third_quarter · Banking
Issues Related to Cyber Security & Data Security H.R. 1770 - Data Security and Breach Notification Act of 2015 H.R. 2205/S. 961 - Data Security Act of 2015 Issues Related to the Consumer Financial Protection Bureau H.R. 1226 - Financial Products Safety Commission Act of 2015 and S. 3196, Consumer Financial Protection Board Act of 2016 Issues related to the CFPBs rulemaking for prepaid cards Issues related to the CFPBs rulemaking under the Home Mortgage Disclosure Act and HR 4993, Homeowner Information Privacy Protection Act Issues related to Implementation of the TILA/RESPA Integrated Disclosures Issues related to anticipated rulemaking that would affect overdraft products and services Issues related to Campus Banking Products Issues related to The Fair Housing Act Issues related to CFPB Consumer Response Portal and H.R. 5491 Issues related to Auto Guidance Issues related to CFPB Arbitration Rule Issues related to CFPB Small-dollar Rule Issues related to CFPB Semi-annual report to Congress Issues related to H.R. 5983 Financial Choice Act H.R. 5211, CFPB Dual Mandate and Economic Analysis Act H.R. 5112, Unfair or Deceptive Acts or Practices Uniformity Act Issues Related to Student Loans Issues related to the reauthorization of the Higher Education Act Issues related to the CFPBs and Department of Educations actions on student lending H.R. 5838/S. 3399, Transparency in Student Lending S. 3116/H.R. 3179, Empowering Students Through Enhanced Financial Counseling Act H.R. 1434/ S.793, Bank on Students Emergency Loan Refinancing Act H.R. 2677/H.R.5106, In the Red Act of 2016 Issues Related to Appropriations H.R. 5485/S. 3067, Financial Services and General Government Appropriations Act, 2017 HR. 2947 - Financial Institutions Bankruptcy Act Issues Related to Servicemembers S. 2393 - Foreclosure Relief and Extension for Servicemembers Act of 2015 S. 2719 - SCRA Enhancement and Improvement Act of 2016 Issues Related to the Community Reinvestment Act Issues Related to Debit Interchange H.R. 5465, To repeal section 1075 of the Consumer Financial Protection Act of 2010 relating to rules for payment card transactions, and for other purposes Issues Related to EMV (Europay, MasterCard, and Visa) Issues related to the Restructuring of the Fed Dividend Issues related to FinTech HR. 6287 - MOBILE Act Issues related to the E-SIGN Act Regulations: Equal Credit Opportunity issues, Regulation B, 12 CFR Part 1002 Home Mortgage Disclosure Act Issues, Regulation C, 12 CFR Part 1003 Fair Debt Collection Practices Issues, Regulation F, 12 CFR Part 1006 Privacy Issues, 12 CFR Parts 40, 216, 332, 1016 Fair Credit Reporting Issues, 12 CFR Parts 41, 171, 334, 1022 Real Estate Settlement Procedures Issues, Regulation X, 12 CFR Part 1024 Truth in Lending Issues, Regulation Z, 12 CFR Part 1026 Disclosure of Records and Information, 12 CFR Part 1070 Regulations related to the Dodd-Frank Act, Pub. L. No. 111-203 Issues related to the Higher Education Act Issues related to Telephone Consumer Protection Act, 47 U.S.C. 227 Issues related to Electronic Fund Transfer Act, 15 U.S.C. 1693 Department of Education Cash Management Rules Issues related to FDIC Deposit Insurance Issues related to the Paperwork Reduction Act Issues related to the Military Lending Act Community Reinvestment Act Regulations & Q&A issues Issues related to the Servicemembers Civil Relief Act
Client expense: $780,000 · Firm income: Not reported
Government targets: Consumer Financial Protection Bureau (CFPB), Defense, Dept of (DOD), Education, Dept of, Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of
2016 · third_quarter · Banking
H.R. 601, the Eliminate Privacy Notice Confusion Act (to provide an exemption from the Gramm-Leach-Bliley Acts annual notice requirement for institutions that have not changed their privacy policies and only share personal information within the statutory exceptions. S. 423, the Privacy Notice Modernization Act (counterpart to H.R. 601). H.R. 1113, the Portfolio Lending and Mortgage Access Act; H.R. 1210, the Portfolio Lending and Mortgage Access Act (would provide that loans originated and held in portfolio are treated as Qualified Mortgages). H.R. 1233, the CLEARR Act of 2015 (to provide an exemption from the Gramm-Leach-Bliley Acts annual notice requirement). S. 812, the CLEAR Relief Act of 2015 (a companion bill to H.R. 1233). H.R. 888, Subsidy Reserve Act of 2015, to require nonbank financial companies supervised by the Federal Reserve Board and bank holding companies over $500 billion of assets to establish and maintain Subsidy Reserves. H.R. 1389, the American Jobs and Community Revitalization Act (provides a QM Safe Harbor for loans held in portfolio and establishes an application process for treatment as a rural or underserved area for purposes of QM. H.R. 1408, The Mortgage Servicing Asset Capital Requirements Act (postpones Basel III rules on mortgage servicing assets until their impact can be studied). H.R. 1529, the Community Institution Mortgage Relief Act (provides a legal safe harbor from escrow requirements for smaller institutions that hold loans in portfolio for 3 years). H.R. 3468, Credit Union Share Insurance Fund Parity Act (amended the Federal Credit Union Act to extend insurance coverage to IOLTAs.) H.R. 3791, to raise the consolidated assets threshold under the small bank holding company policy statement. H.R. 1334, the Holding Company Registration Threshold Equalization Act H.R. 1259/ S. 871, the Helping Expand Lending Practices (HELP) in Rural Communities Act S. 1484, the Financial Regulatory Improvement Act of 2015 H.R. 2896/S.3153, the TAILOR Act H.R. 766/S. 2790, the Financial Institution Consumer Protection Act of 2015 H.R. 1553, the Small Bank Exam Cycle Reform Act of 2015 H.R. 4116, to ensure that the reciprocal deposits of an insured depository institution are not considered to be funds obtained by or through a deposit broker H.R. 5660, Retail Checking Account Protection Act of 2016 H.R. 4500, Community Bank Reporting Relief Act H.R 2209, to require the appropriate federal banking agencies to treat certain municipal obligations as level 2A liquid assets H.R. 5027, to amend the Federal Reserve Act to adjust the circumstances under which Federal Reserve bank stock is callable H.R. 5465, to repeal section 1075 of the Consumer Financial Protection Act of 2010 relating to rules for payment card transactions, and for other purposes H.R. 6162, to ensure that prepaid funds deposited in an insured depository institution satisfy the requirements of the primary purpose exclusion to the definition of deposit broker S. 3404, to require the appropriate Federal banking agencies to treat certain municipal obligations as level 2B liquid assets Basel Capital Rules Basel Liquidity Rules Accountability for Basel/FSB negotiations Volcker Rule Reform DoL Fiduciary Rule H.R. 5983, The Financial CHOICE Act De novo banks
Client expense: $1,980,000 · Firm income: Not reported
Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), Office of Management & Budget (OMB), SENATE
2016 · third_quarter · Small Business
HR 5465, to repeal Section 1075 of the Consumer Financial Protection Act of 2010 relating to rules for payment card transactions (full bill) Financial CHOICE Act (H.R.) - repeal of Durbin Amendment
Client expense: Not reported · Firm income: $50,000
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2016 · third_quarter · Computer Industry
HR 5465, to repeal Section 1075 of the Consumer Financial Protection Act of 2010 relating to rules for payment card transactions (full bill) Financial CHOICE Act (H.R.) - repeal of Durbin Amendment
Client expense: Not reported · Firm income: $50,000
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2016 · third_quarter · Consumer Issues/Safety/Products
HR 5465, to repeal Section 1075 of the Consumer Financial Protection Act of 2010 relating to rules for payment card transactions (full bill) Financial CHOICE Act (H.R.) - repeal of Durbin Amendment
Client expense: Not reported · Firm income: $50,000
Government targets: HOUSE OF REPRESENTATIVES, SENATE