Business of Insurance Regulatory Reform Act of 2017

Discussions related to the following bills introduced from the previous Congress: S.488 - The JOBS and Investor Confidence Act of 2018 Issue: Insurance provisions in Jobs 3.0 package. S 1360/HR 4537/ H.R. 3762 - International Insurance Standards. HR 3861 FIO Reform; H.R. 4483 - Federal Insurance Office Abolishment Act of 2017. Issue: FIO reform. HR 3746/S 2702 - Business of Insurance Regulatory Reform. S. 2155 - Economic Growth, Regulatory Relief, and Consumer Protection Act, including provisions relating to international insurance standards, systemic designations, and senior investor protection. S. 2180 - Amendment to S. 2155 (Murray/Collins). H.R. 5059 State Insurance Regulation Preservation Act addressing Federal Reserve Board supervision of insurance companies. H.R. 5666/S. 3177 - Primary Regulators of Insurance Vote Act of 2018. S.__ Draft legislation regarding Federal Reserve Board supervision of insurance companies. Public Law 111-203, H.R. 4173 - Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation and Regulatory reform. Captive Reinsurance Transactions, Insurance Capital Standards and Global Capital Standards.

Client expense: $380,000 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

Issues related to the risk management of credit unions. H.R.3746 - Business of Insurance Regulatory Reform Act of 2017 and S. 2702 - Business of Insurance Regulatory Reform Act of 2017

Client expense: Not reported · Firm income: $20,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to the regulation of insurance products. H.R. 10 - the Financial CHOICE Act of 2017. Issues related to the risk management of credit unions. H.R.3746 - Business of Insurance Regulatory Reform Act of 2017 and S. 2702 - Business of Insurance Regulatory Reform Act of 2017. Implementation of H.R. 748 - the Coronavirus Aid, Relief, and Economic Security (CARES) Act. Classification of insurance companies as essential during COVID-19 shelter-at-home orders.

Client expense: Not reported · Firm income: $30,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE, White House Office

Issues related to the risk management of credit unions. H.R.3746 - Business of Insurance Regulatory Reform Act of 2017 and S. 2702 - Business of Insurance Regulatory Reform Act of 2017

Client expense: Not reported · Firm income: $20,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to the regulation of insurance products. H.R. 10 - the Financial CHOICE Act of 2017. Issues related to the risk management of credit unions. H.R.3746 - Business of Insurance Regulatory Reform Act of 2017 and S. 2702 - Business of Insurance Regulatory Reform Act of 2017. Implementation of H.R. 748 - the Coronavirus Aid, Relief, and Economic Security (CARES) Act. Classification of insurance companies as essential during COVID-19 shelter-at-home orders.

Client expense: Not reported · Firm income: $30,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE, White House Office

Discussions related to the following bills introduced from the previous Congress: S.488 - The JOBS and Investor Confidence Act of 2018 Issue: Insurance provisions in Jobs 3.0 package. S 1360/HR 4537/ H.R. 3762 - International Insurance Standards. HR 3861 FIO Reform; H.R. 4483 - Federal Insurance Office Abolishment Act of 2017. Issue: FIO reform. HR 3746/S 2702 - Business of Insurance Regulatory Reform. S. 2155 - Economic Growth, Regulatory Relief, and Consumer Protection Act, including provisions relating to international insurance standards, systemic designations, and senior investor protection. S. 2180 - Amendment to S. 2155 (Murray/Collins). H.R. 5059 State Insurance Regulation Preservation Act addressing Federal Reserve Board supervision of insurance companies. H.R. 5666/S. 3177 - Primary Regulators of Insurance Vote Act of 2018. S.__ Draft legislation regarding Federal Reserve Board supervision of insurance companies. Public Law 111-203, H.R. 4173 - Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation and Regulatory reform. Captive Reinsurance Transactions, Insurance Capital Standards and Global Capital Standards.

Client expense: $390,000 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

Flood Insurance reform, reauthorization Taxpayer Exposure Mitigation Act Community Mapping Act A bill to require the use of replacement cost value in determining the premium rates for flood insurance coverage under the National Flood Insurance Act, and for other purposes. A bill allowing commercial properties to opt-out of the NFIP mandatory purchase requirement, allowing businesses to more easily purchase private flood coverage. Appropriations related to mitigation and mapping H.R. 1666, to amend the National Flood Insurance Act of 1968 to allow for the consideration of private flood insurance for the purposes of applying continuous coverage requirements, and for other purposes. H.R. 1865, the Further Consolidated Appropriations Act, 2020, this bill reauthorizes the National Flood Insurance Program through September 30, 2020. H.R. 3167, National Flood Insurance Program Reauthorization Act of 2019 H.R. 3111, National Flood Insurance Program Administrative Reform Act of 2019 H.R. 469, to require the use of replacement cost value in determining the premium rates for flood insurance coverage under the National Flood Insurance Act, and for other purposes. S. 2088, the Repeatedly Flooded Communities Preparation Act S. 1533 & S. 1250 (same), National Flood Insurance Program Extension Act H.R. 3746, the Business of Insurance Regulatory Reform Act of 2017 The Nonprofit Property Protection Act Cyber risk insurance issues InsurTech issues Social Security Disability Insurance (SSDI) claims process improvements and supporting funding for Social Security Administration Issues related to Supplemental Benefits H.R. 6128, HSA Employer Flexibility Act H.R. 5138, Bipartisan HSA Improvement Act of 2018 H.R. 6199, Restoring Access to Medication and Modernizing Health Savings Accounts Act of 2018 S. 2241, a bill to amend the Patient Protection and Affordable Care Act by clarifying that State Exchanges are prohibited from imposing fees or assessments on issuers of excepted benefits and standalone dental plans not sold through an Exchange. H.R. 4225, to amend the Patient Protection and Affordable Care Act by clarifying that State Exchanges are prohibited from imposing fees or assessments on issuers of excepted benefits and standalone dental plans not sold through an Exchange. H.R. 2500, National Defense Authorization Act for Fiscal Year 2020 S. 1970, National Defense Authorization Act for Fiscal Year 2020 H.R. 1375, PAID Act (Provide Accurate Information Directly Act) S. 1989, PAID Act H.R. 1595, SAFE Bank Act H.R. 1756, Preventing Credit Score Discrimination in Auto Insurance Act Legislation to require the Federal Insurance Office to conduct an annual study of personal private automobile insurance coverage, and for other purposes. H.R. 4634, to reauthorize the Terrorism Risk Insurance Program until December 31, 2030 H.R. 1865, the Consolidated Domestic and International Assistance Bill-2020 omnibus spending bill including 7 year TRIA reauthorization and NFIP extension through September 30, 2020 H.R. 3693 - Prohibit Auto Insurance Discrimination (PAID) Act Pandemic Risk Insurance Act of 2020 (PRIA) H.R. 6494, the Business Interruption Insurance Coverage Act of 2020 H.R. 6497, the Never Again Small Business Protection Act of 2020 H.R. 7412, the Business Interruption Relief Act of 2020 National Defense Authorization Act (NDAA) related to TRICARE for Fiscal Year 2021 Policy related to the Business Continuity Protection Program (BCPP)

Client expense: $580,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), Office of Management & Budget (OMB), SENATE, Treasury, Dept of

Issues related to the regulation of insurance products. H.R. 10 - the Financial CHOICE Act of 2017. Issues related to the risk management of credit unions. H.R.3746 - Business of Insurance Regulatory Reform Act of 2017 and S. 2702 - Business of Insurance Regulatory Reform Act of 2017. Implementation of H.R. 748 - the Coronavirus Aid, Relief, and Economic Security (CARES) Act. Classification of insurance companies as essential during COVID-19 shelter-at-home orders.

Client expense: Not reported · Firm income: $30,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE, White House Office

Issues related to the risk management of credit unions. H.R.3746 - Business of Insurance Regulatory Reform Act of 2017 and S. 2702 - Business of Insurance Regulatory Reform Act of 2017

Client expense: Not reported · Firm income: $20,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to the risk management of credit unions. H.R.3746 - Business of Insurance Regulatory Reform Act of 2017 and S. 2702 - Business of Insurance Regulatory Reform Act of 2017

Client expense: Not reported · Firm income: $30,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE, White House Office

Issues related to the regulation of insurance products. H.R. 10 - the Financial CHOICE Act of 2017. Issues related to the risk management of credit unions. H.R.3746 - Business of Insurance Regulatory Reform Act of 2017 and S. 2702 - Business of Insurance Regulatory Reform Act of 2017. Implementation of H.R. 748 - the Coronavirus Aid, Relief, and Economic Security (CARES) Act. Classification of insurance companies as essential during COVID-19 shelter-at-home orders.

Client expense: Not reported · Firm income: $30,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE, White House Office

Flood Insurance reform, reauthorization Taxpayer Exposure Mitigation Act Community Mapping Act A bill to require the use of replacement cost value in determining the premium rates for flood insurance coverage under the National Flood Insurance Act, and for other purposes. A bill allowing commercial properties to opt-out of the NFIP mandatory purchase requirement, allowing businesses to more easily purchase private flood coverage. Appropriations related to mitigation and mapping H.R. 1666, to amend the National Flood Insurance Act of 1968 to allow for the consideration of private flood insurance for the purposes of applying continuous coverage requirements, and for other purposes. H.R. 1865, the Further Consolidated Appropriations Act, 2020, this bill reauthorizes the National Flood Insurance Program through September 30, 2020. H.R. 3167, National Flood Insurance Program Reauthorization Act of 2019 n H.R. 3111, National Flood Insurance Program Administrative Reform Act of 2019 H.R. 469, to require the use of replacement cost value in determining the premium rates for flood insurance coverage under the National Flood Insurance Act, and for other purposes. S. 2088, the Repeatedly Flooded Communities Preparation Act S. 1533 & S. 1250 (same), National Flood Insurance Program Extension Act H.R. 3746, the Business of Insurance Regulatory Reform Act of 2017 The Nonprofit Property Protection Act Cyber risk insurance issues InsurTech issues Social Security Disability Insurance (SSDI) claims process improvements and supporting funding for Social Security Administration Issues related to Supplemental Benefits H.R. 6128, HSA Employer Flexibility Act H.R. 5138, Bipartisan HSA Improvement Act of 2018 H.R. 6199, Restoring Access to Medication and Modernizing Health Savings Accounts Act of 2018 S. 2241, a bill to amend the Patient Protection and Affordable Care Act by clarifying that State Exchanges are prohibited from imposing fees or assessments on issuers of excepted benefits and standalone dental plans not sold through an Exchange. H.R. 4225, to amend the Patient Protection and Affordable Care Act by clarifying that State Exchanges are prohibited from imposing fees or assessments on issuers of excepted benefits and standalone dental plans not sold through an Exchange. National Defense Authorization Act (NDAA) related to TRICARE H.R. 2500, National Defense Authorization Act for Fiscal Year 2020 S. 1970, National Defense Authorization Act for Fiscal Year 2020 H.R. 1375, PAID Act (Provide Accurate Information Directly Act) S. 1989, PAID Act H.R. 1595, SAFE Bank Act H.R. 1756, Preventing Credit Score Discrimination in Auto Insurance Act Legislation to require the Federal Insurance Office to conduct an annual study of personal private automobile insurance coverage, and for other purposes. H.R. 4634, to reauthorize the Terrorism Risk Insurance Program until December 31, 2030 H.R. 1865, the Consolidated Domestic and International Assistance Bill-2020 omnibus spending bill including 7 year TRIA reauthorization and NFIP extension through September 30, 2020 H.R. 3693 - Prohibit Auto Insurance Discrimination (PAID) Act Pandemic Risk Insurance Act of 2020 (PRIA) H.R. 6494, the Business Interruption Insurance Coverage Act of 2020 H.R. 6497, the Never Again Small Business Protection Act of 2020

Client expense: $290,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), Office of Management & Budget (OMB), SENATE, Treasury, Dept of

Discussions related to the following bills introduced from the previous Congress: S.488 - The JOBS and Investor Confidence Act of 2018 Issue: Insurance provisions in Jobs 3.0 package. S 1360/HR 4537/ H.R. 3762 - International Insurance Standards. HR 3861 FIO Reform; H.R. 4483 - Federal Insurance Office Abolishment Act of 2017. Issue: FIO reform. HR 3746/S 2702 - Business of Insurance Regulatory Reform. S. 2155 - Economic Growth, Regulatory Relief, and Consumer Protection Act, including provisions relating to international insurance standards, systemic designations, and senior investor protection. S. 2180 - Amendment to S. 2155 (Murray/Collins). H.R. 5059 State Insurance Regulation Preservation Act addressing Federal Reserve Board supervision of insurance companies. H.R. 5666/S. 3177 - Primary Regulators of Insurance Vote Act of 2018. S.__ Draft legislation regarding Federal Reserve Board supervision of insurance companies. Public Law 111-203, H.R. 4173 - Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation and Regulatory reform. Captive Reinsurance Transactions, Insurance Capital Standards and Global Capital Standards.

Client expense: $390,000 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

Flood Insurance reform, reauthorization Taxpayer Exposure Mitigation Act Community Mapping Act S. 1368, the Sustainable, Affordable, Fair and Efficient (SAFE) National Flood Insurance Program Reauthorization Act of 2017 A bill to require the use of replacement cost value in determining the premium rates for flood insurance coverage under the National Flood Insurance Act, and for other purposes. A bill allowing commercial properties to opt-out of the NFIP mandatory purchase requirement, allowing businesses to more easily purchase private flood coverage. Appropriations related to mitigation and mapping H.R. 1666, to amend the National Flood Insurance Act of 1968 to allow for the consideration of private flood insurance for the purposes of applying continuous coverage requirements, and for other purposes. S. 1693, National Flood Insurance Program Extension Act of 2019, this bill reauthorizes the National Flood Insurance Program through June 14, 2019. H.R. 3167, National Flood Insurance Program Reauthorization Act of 2019 H.R. 2578, National Flood Insurance Program Extension Act of 2019, this bill reauthorizes the National Flood Insurance Program through September 30, 2019. H.R. 3111, National Flood Insurance Program Administrative Reform Act of 2019 H.R. 469, to require the use of replacement cost value in determining the premium rates for flood insurance coverage under the National Flood Insurance Act, and for other purposes. S. 2088, the Repeatedly Flooded Communities Preparation Act S. 1533 & S. 1250 (same), National Flood Insurance Program Extension Act H.R. 3746, the Business of Insurance Regulatory Reform Act of 2017 The Nonprofit Property Protection Act Cyber risk insurance issues InsurTech issues Social Security Disability Insurance (SSDI) claims process improvements and supporting funding for Social Security Administration Issues related to Supplemental Benefits H.R. 6128, HSA Employer Flexibility Act H.R. 5138, Bipartisan HSA Improvement Act of 2018 H.R. 6199, Restoring Access to Medication and Modernizing Health Savings Accounts Act of 2018 S. 2241, a bill to amend the Patient Protection and Affordable Care Act by clarifying that State Exchanges are prohibited from imposing fees or assessments on issuers of excepted benefits and standalone dental plans not sold through an Exchange. H.R. 4225, to amend the Patient Protection and Affordable Care Act by clarifying that State Exchanges are prohibited from imposing fees or assessments on issuers of excepted benefits and standalone dental plans not sold through an Exchange. National Defense Authorization Act (NDAA) related to TRICARE H.R. 2500, National Defense Authorization Act for Fiscal Year 2020 S. 1970, National Defense Authorization Act for Fiscal Year 2020 H.R. 1375, PAID Act (Provide Accurate Information Directly Act) S. 1989, PAID Act H.R. 1595, SAFE Bank Act H.R. 1756, Preventing Credit Score Discrimination in Auto Insurance Act H.R. 1862, Federal Insurance Office Abolishment Act of 2019 H.R. 4634, to reauthorize the Terrorism Risk Insurance Program until December 31, 2030 H.R. 1865, the Consolidated Domestic and International Assistance Bill-2020 omnibus spending bill including 7 year TRIA reauthorization and NFIP extension through September 30, 2020 H.R. 3693 - Prohibit Auto Insurance Discrimination (PAID) Act

Client expense: $450,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), Office of Management & Budget (OMB), SENATE, Treasury, Dept of

Discussions related to the following bills introduced from the previous Congress: S.488 - The JOBS and Investor Confidence Act of 2018 Issue: Insurance provisions in Jobs 3.0 package. S 1360/HR 4537/ H.R. 3762 - International Insurance Standards. HR 3861 FIO Reform; H.R. 4483 - Federal Insurance Office Abolishment Act of 2017. Issue: FIO reform. HR 3746/S 2702 - Business of Insurance Regulatory Reform. S. 2155 - Economic Growth, Regulatory Relief, and Consumer Protection Act, including provisions relating to international insurance standards, systemic designations, and senior investor protection. S. 2180 - Amendment to S. 2155 (Murray/Collins). H.R. 5059 State Insurance Regulation Preservation Act addressing Federal Reserve Board supervision of insurance companies. H.R. 5666/S. 3177 - Primary Regulators of Insurance Vote Act of 2018. S.__ Draft legislation regarding Federal Reserve Board supervision of insurance companies. Public Law 111-203, H.R. 4173 - Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation and Regulatory reform. Captive Reinsurance Transactions, Insurance Capital Standards and Global Capital Standards.

Client expense: $390,000 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

Issues related to the risk management of credit unions. H.R.3746 - Business of Insurance Regulatory Reform Act of 2017 and S. 2702 - Business of Insurance Regulatory Reform Act of 2017

Client expense: Not reported · Firm income: $20,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to the regulation of insurance products. H.R. 10 - the Financial CHOICE Act of 2017. Issues related to the risk management of credit unions. H.R.3746 - Business of Insurance Regulatory Reform Act of 2017 and S. 2702 - Business of Insurance Regulatory Reform Act of 2017

Client expense: Not reported · Firm income: $30,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE, White House Office

Flood Insurance reform, reauthorization Taxpayer Exposure Mitigation Act Community Mapping Act H.R. 2875, the National Flood Insurance Program Administrative Reform Act of 2017 H.R. 1558, the Repeatedly Flooded Communities Preparation Act S. 1571, the National Flood Insurance Program Reauthorization Act of 2017 S. 1368, the Sustainable, Affordable, Fair and Efficient (SAFE) National Flood Insurance Program Reauthorization Act of 2017 S. 1313 Flood Insurance Affordability and Sustainability Act of 2017 A bill to require the use of replacement cost value in determining the premium rates for flood insurance coverage under the National Flood Insurance Act, and for other purposes. A bill allowing commercial properties to opt-out of the NFIP mandatory purchase requirement, allowing businesses to more easily purchase private flood coverage. H.R. 2868, the National Flood Insurance Program Policyholder Protection Act of 2017 H.R. 2874, the 21st Century Flood Reform Act of 2017 Appropriations related to mitigation and mapping H.R. 1666, to amend the National Flood Insurance Act of 1968 to allow for the consideration of private flood insurance for the purposes of applying continuous coverage requirements, and for other purposes. H.R. 3746, the Business of Insurance Regulatory Reform Act of 2017 The Nonprofit Property Protection Act Cyber risk insurance issues InsurTech issues Social Security Disability Insurance (SSDI) claims process improvements and supporting funding for Social Security Administration Issues related to Supplemental Benefits H.R. 6128, HSA Employer Flexibility Act H.R. 5138, Bipartisan HSA Improvement Act of 2018 H.R. 6199, Restoring Access to Medication and Modernizing Health Savings Accounts Act of 2018 S.2241 - A bill to amend the Patient Protection and Affordable Care Act by clarifying that State Exchanges are prohibited from imposing fees or assessments on issuers of excepted benefits and standalone dental plans not sold through an Exchange. H.R.4225 - To amend the Patient Protection and Affordable Care Act by clarifying that State Exchanges are prohibited from imposing fees or assessments on issuers of excepted benefits and standalone dental plans not sold through an Exchange. National Defense Authorization Act (NDAA) section on TRICARE H.R. 5881 Provide Accurate Information Directly (PAID) Act H.R. 1595, SAFE Bank Act H.R.1756, Preventing Credit Score Discrimination in Auto Insurance Act

Client expense: $450,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), Office of Management & Budget (OMB), SENATE, Treasury, Dept of

Flood Insurance reform, reauthorization Taxpayer Exposure Mitigation Act Community Mapping Act S. 1368, the Sustainable, Affordable, Fair and Efficient (SAFE) National Flood Insurance Program Reauthorization Act of 2017 A bill to require the use of replacement cost value in determining the premium rates for flood insurance coverage under the National Flood Insurance Act, and for other purposes. A bill allowing commercial properties to opt-out of the NFIP mandatory purchase requirement, allowing businesses to more easily purchase private flood coverage. Appropriations related to mitigation and mapping H.R. 1666, to amend the National Flood Insurance Act of 1968 to allow for the consideration of private flood insurance for the purposes of applying continuous coverage requirements, and for other purposes. S. 1693, National Flood Insurance Program Extension Act of 2019, this bill reauthorizes the National Flood Insurance Program through June 14, 2019. H.R. 3167, National Flood Insurance Program Reauthorization Act of 2019 H.R. 2578, National Flood Insurance Program Extension Act of 2019, this bill reauthorizes the National Flood Insurance Program through September 30, 2019. H.R. 3111, National Flood Insurance Program Administrative Reform Act of 2019 H.R. 469, to require the use of replacement cost value in determining the premium rates for flood insurance coverage under the National Flood Insurance Act, and for other purposes. S. 2088, the Repeatedly Flooded Communities Preparation Act S. 1533 & S. 1250 (same), National Flood Insurance Program Extension Act H.R. 3746, the Business of Insurance Regulatory Reform Act of 2017 The Nonprofit Property Protection Act Cyber risk insurance issues InsurTech issues Social Security Disability Insurance (SSDI) claims process improvements and supporting funding for Social Security Administration Issues related to Supplemental Benefits H.R. 6128, HSA Employer Flexibility Act H.R. 5138, Bipartisan HSA Improvement Act of 2018 H.R. 6199, Restoring Access to Medication and Modernizing Health Savings Accounts Act of 2018 S. 2241, a bill to amend the Patient Protection and Affordable Care Act by clarifying that State Exchanges are prohibited from imposing fees or assessments on issuers of excepted benefits and standalone dental plans not sold through an Exchange. H.R. 4225, to amend the Patient Protection and Affordable Care Act by clarifying that State Exchanges are prohibited from imposing fees or assessments on issuers of excepted benefits and standalone dental plans not sold through an Exchange. National Defense Authorization Act (NDAA) related to TRICARE H.R. 2500, National Defense Authorization Act for Fiscal Year 2020 S. 1970, National Defense Authorization Act for Fiscal Year 2020 H.R. 1375, PAID Act (Provide Accurate Information Directly Act) S. 1989, PAID Act H.R. 1595, SAFE Bank Act H.R. 1756, Preventing Credit Score Discrimination in Auto Insurance Act H.R. 1862, Federal Insurance Office Abolishment Act of 2019H.R. 4634, to reauthorize the Terrorism Risk Insurance Program until December 31, 2030

Client expense: $500,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), Office of Management & Budget (OMB), SENATE, Treasury, Dept of

Issues related to the risk management of credit unions. H.R.3746 - Business of Insurance Regulatory Reform Act of 2017 and S. 2702 - Business of Insurance Regulatory Reform Act of 2017

Client expense: Not reported · Firm income: $20,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to the regulation of insurance products. H.R. 10 - the Financial CHOICE Act of 2017. Issues related to the risk management of credit unions. H.R.3746 - Business of Insurance Regulatory Reform Act of 2017 and S. 2702 - Business of Insurance Regulatory Reform Act of 2017

Client expense: Not reported · Firm income: $30,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE, White House Office

Discussions related to the following bills introduced from the previous Congress: S.488 - The JOBS and Investor Confidence Act of 2018 Issue: Insurance provisions in Jobs 3.0 package. S 1360/HR 4537/ H.R. 3762 - International Insurance Standards. HR 3861 FIO Reform; H.R. 4483 - Federal Insurance Office Abolishment Act of 2017. Issue: FIO reform. HR 3746/S 2702 - Business of Insurance Regulatory Reform. S. 2155 - Economic Growth, Regulatory Relief, and Consumer Protection Act, including provisions relating to international insurance standards, systemic designations, and senior investor protection. S. 2180 - Amendment to S. 2155 (Murray/Collins). H.R. 5059 State Insurance Regulation Preservation Act addressing Federal Reserve Board supervision of insurance companies. H.R. 5666/S. 3177 - Primary Regulators of Insurance Vote Act of 2018. S.__ Draft legislation regarding Federal Reserve Board supervision of insurance companies. Public Law 111-203, H.R. 4173 - Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation and Regulatory reform. Captive Reinsurance Transactions, Insurance Capital Standards and Global Capital Standards.

Client expense: $390,000 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

Discussions related to the following bills introduced from the previous Congress: S.488, the JOBS and Investor Confidence Act of 2018 Issue: Insurance provisions in Jobs 3.0 package. S 1360/HR 4537/ H.R. 3762 International Insurance Standards. HR 3861 FIO Reform; H.R. 4483 - Federal Insurance Office Abolishment Act of 2017. Issue: FIO reform. HR 3746/S 2702 Business of Insurance Regulatory Reform. S. 2155 Economic Growth, Regulatory Relief, and Consumer Protection Act, including provisions relating to international insurance standards, systemic designations, and senior investor protection. S. 2180 Amendment to S. 2155 (Murray/Collins). H.R. 5059 State Insurance Regulation Preservation Act addressing Federal Reserve Board supervision of insurance companies. H.R. 5666/S. 3177 Primary Regulators of Insurance Vote Act of 2018. S.__ Draft legislation regarding Federal Reserve Board supervision of insurance companies. Public Law 111-203, H.R. 4173- Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation and Regulatory reform. Captive Reinsurance Transactions, Insurance Capital Standards and Global Capital Standards.

Client expense: $420,000 · Firm income: Not reported

Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

Flood Insurance reform, reauthorization Taxpayer Exposure Mitigation Act Community Mapping Act S. 1368, the Sustainable, Affordable, Fair and Efficient (SAFE) National Flood Insurance Program Reauthorization Act of 2017 A bill to require the use of replacement cost value in determining the premium rates for flood insurance coverage under the National Flood Insurance Act, and for other purposes. A bill allowing commercial properties to opt-out of the NFIP mandatory purchase requirement, allowing businesses to more easily purchase private flood coverage. Appropriations related to mitigation and mapping H.R. 1666, to amend the National Flood Insurance Act of 1968 to allow for the consideration of private flood insurance for the purposes of applying continuous coverage requirements, and for other purposes. S. 1693, National Flood Insurance Program Extension Act of 2019, this bill reauthorizes the National Flood Insurance Program through June 14, 2019. H.R. 3167, National Flood Insurance Program Reauthorization Act of 2019 H.R. 2578, National Flood Insurance Program Extension Act of 2019, this bill reauthorizes the National Flood Insurance Program through September 30, 2019. H.R. 3111, National Flood Insurance Program Administrative Reform Act of 2019 H.R. 469, to require the use of replacement cost value in determining the premium rates for flood insurance coverage under the National Flood Insurance Act, and for other purposes. S. 2088, the Repeatedly Flooded Communities Preparation Act S. 1533 & S. 1250 (same), National Flood Insurance Program Extension Act H.R. 3746, the Business of Insurance Regulatory Reform Act of 2017 The Nonprofit Property Protection Act Cyber risk insurance issues InsurTech issues Social Security Disability Insurance (SSDI) claims process improvements and supporting funding for Social Security Administration Issues related to Supplemental Benefits H.R. 6128, HSA Employer Flexibility Act H.R. 5138, Bipartisan HSA Improvement Act of 2018 H.R. 6199, Restoring Access to Medication and Modernizing Health Savings Accounts Act of 2018 S. 2241, a bill to amend the Patient Protection and Affordable Care Act by clarifying that State Exchanges are prohibited from imposing fees or assessments on issuers of excepted benefits and standalone dental plans not sold through an Exchange. H.R. 4225, to amend the Patient Protection and Affordable Care Act by clarifying that State Exchanges are prohibited from imposing fees or assessments on issuers of excepted benefits and standalone dental plans not sold through an Exchange. National Defense Authorization Act (NDAA) related to TRICARE H.R. 2500, National Defense Authorization Act for Fiscal Year 2020 S. 1970, National Defense Authorization Act for Fiscal Year 2020 H.R. 1375, PAID Act (Provide Accurate Information Directly Act) S. 1989, PAID Act H.R. 1595, SAFE Bank Act H.R. 1756, Preventing Credit Score Discrimination in Auto Insurance Act H.R. 1862, Federal Insurance Office Abolishment Act of 2019

Client expense: $430,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), Office of Management & Budget (OMB), SENATE, Treasury, Dept of

Issues related to the risk management of credit unions. H.R.3746 - Business of Insurance Regulatory Reform Act of 2017 and S. 2702 - Business of Insurance Regulatory Reform Act of 2017

Client expense: Not reported · Firm income: $20,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to the regulation of insurance products. H.R. 10 - the Financial CHOICE Act of 2017. Issues related to the risk management of credit unions. H.R.3746 - Business of Insurance Regulatory Reform Act of 2017 and S. 2702 - Business of Insurance Regulatory Reform Act of 2017

Client expense: Not reported · Firm income: $30,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE, White House Office

S.488, the JOBS and Investor Confidence Act of 2018 Issue: Insurance provisions in Jobs 3.0 package. S 1360/HR 4537/ H.R. 3762 International Insurance Standards. HR 3861 FIO Reform; H.R. 4483 - Federal Insurance Office Abolishment Act of 2017. Issue: FIO reform. HR 3746/S 2702 Business of Insurance Regulatory Reform. S. 2155 Economic Growth, Regulatory Relief, and Consumer Protection Act, including provisions relating to international insurance standards, systemic designations, and senior investor protection. S. 2180 Amendment to S. 2155 (Murray/Collins). H.R. 5059 State Insurance Regulation Preservation Act addressing Federal Reserve Board supervision of insurance companies. H.R. 5666/S. 3177 Primary Regulators of Insurance Vote Act of 2018. S.__ Draft legislation regarding Federal Reserve Board supervision of insurance companies. Public Law 111-203, H.R. 4173- Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation and Regulatory reform. Captive Reinsurance Transactions, Insurance Capital Standards and Global Capital Standards.

Client expense: $420,000 · Firm income: Not reported

Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

Flood Insurance reform, reauthorization Taxpayer Exposure Mitigation Act Community Mapping Act H.R. 2875, the National Flood Insurance Program Administrative Reform Act of 2017 H.R. 1558, the Repeatedly Flooded Communities Preparation Act S. 1571, the National Flood Insurance Program Reauthorization Act of 2017 S. 1368, the Sustainable, Affordable, Fair and Efficient (SAFE) National Flood Insurance Program Reauthorization Act of 2017 S. 1313 Flood Insurance Affordability and Sustainability Act of 2017 A bill to require the use of replacement cost value in determining the premium rates for flood insurance coverage under the National Flood Insurance Act, and for other purposes. A bill allowing commercial properties to opt-out of the NFIP mandatory purchase requirement, allowing businesses to more easily purchase private flood coverage. H.R. 2868, the National Flood Insurance Program Policyholder Protection Act of 2017 H.R. 2874, the 21st Century Flood Reform Act of 2017 Appropriations related to mitigation and mapping H.R. 1666, to amend the National Flood Insurance Act of 1968 to allow for the consideration of private flood insurance for the purposes of applying continuous coverage requirements, and for other purposes. H.R. 3746, the Business of Insurance Regulatory Reform Act of 2017 The Nonprofit Property Protection Act Cyber risk insurance issues InsurTech issues Social Security Disability Insurance (SSDI) claims process improvements and supporting funding for Social Security Administration Issues related to Supplemental Benefits H.R. 6128, HSA Employer Flexibility Act H.R. 5138, Bipartisan HSA Improvement Act of 2018 H.R. 6199, Restoring Access to Medication and Modernizing Health Savings Accounts Act of 2018 S.2241 - A bill to amend the Patient Protection and Affordable Care Act by clarifying that State Exchanges are prohibited from imposing fees or assessments on issuers of excepted benefits and standalone dental plans not sold through an Exchange. H.R.4225 - To amend the Patient Protection and Affordable Care Act by clarifying that State Exchanges are prohibited from imposing fees or assessments on issuers of excepted benefits and standalone dental plans not sold through an Exchange. National Defense Authorization Act (NDAA) section on TRICARE H.R. 5881 Provide Accurate Information Directly (PAID) Act H.R. 1595, SAFE Bank Act H.R.1756, Preventing Credit Score Discrimination in Auto Insurance Act

Client expense: $460,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), Office of Management & Budget (OMB), SENATE, Treasury, Dept of

Issues related to the risk management of credit unions. H.R.3746 - Business of Insurance Regulatory Reform Act of 2017 and S. 2702 - Business of Insurance Regulatory Reform Act of 2017

Client expense: Not reported · Firm income: $20,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to the regulation of insurance products. H.R. 10 - the Financial CHOICE Act of 2017. Issues related to the risk management of credit unions. H.R.3746 - Business of Insurance Regulatory Reform Act of 2017 and S. 2702 - Business of Insurance Regulatory Reform Act of 2017

Client expense: Not reported · Firm income: $30,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Public Law 111-203, H.R. 4173- Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation and Regulatory reform. Captive Reinsurance Transactions, Insurance Capital Standards and Global Capital Standards. Implementation of S. 2270 - Insurance Capital Standards Clarification Act of 2014. The bill would give the Federal Reserve the authority to tailor capital standards for insurance companies subject to Fed supervision. Issue: Capital Standards, Basel III H.R. 372 - Competitive Health Insurance Reform Act of 2017. This bill would restore the application of the Federal antitrust laws to the business of health insurance to protect competition and consumers. Issue: McCarran-Ferguson Act. H.R. 1270 - Living Donor Protection Act of 2017. The bill would promote and protect from discrimination living organ donors. Issue: underwriting. H.R. 3746/S.2702 - Business of Insurance Regulatory Reform Act. Issue: Insurance exclusion from CFPB jurisdiction. H.R. 5059 - State Insurance Regulation Preservation Act. Issue: Federal Reserve Board supervision of insurance companies. H.R. 5666/S. 3177 - Primary Regulators of Insurance Vote Act of 2018. Issue: FSOC reform. S.__ - Draft legislation regarding Federal Reserve Board supervision of insurance companies.

Client expense: $1,024,543 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

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 NCUAs risk-based capital rule Issues related to NCUAs Advanced Notice of Proposed Rulemaking on Alternative Capital Issues related to NCUAs rule on securitization Issues related to NCUAs regulatory review process Issues related to NCUAs rule on Member Business Lending Issues related to Federal Credit Union bylaws Issues relating to home-based credit unions 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 credit union service to marijuana businesses Issues related to material loss reports of the NCUA Office of Inspector General Issues related to the regulation of corporate credit unions 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 fixed assets Issues related to credit union conversions Issues related to credit union call report modernization Issues related to premium assessments by the National Credit Union Share Insurance, NCUA Issues related to NCUAs Corporate Credit Union Stabilization Plan Issues related to NCUAs budget and the overhead transfer rate Issues related to Credit Union Service Organizations (CUSO) Issues related to the authority of the CFPB to exempt credit unions from its rulemaking Issues related to the CFPB rule to remittances and international wire transfers 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 Supervisory 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 rule regarding qualified mortgage / ability to repay Issues related to reverse mortgages Issues related to the CFPBs regulation on Home Mortgage Disclosure Act (Regulation C) Issues related to the CFPBs regulation on Truth-in-Lending Act / Real Estate Settlement Procedures Act Integrated Disclosures Issues related to the payday, vehicle title, and similar lending Issues related to short term lending products and advance deposit products Issues related to the CFPBs consumer complaint database Issues related to the Department of Justices investigation entitled, Operation Choke Point Issues related to the Department of Defense proposal regarding Credit Extending to Service Members under MLA Issues related to indirect auto lending 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 CFPB's proposal on arbitration 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 data and cyber security Issues related to mobile banking and mobile payments Issues related to identity theft and fraud reduction Issues related to secure payments Issues related to merchant data breaches Issues related to the payments system Issues related to Federal Reserve Regulatory D Issues related to the Feds implementation of same-day ACH Issues related to the Bank Secrecy Act and Currency Transaction Reporting Requirements Issues related to the oversight of the Federal Housing Administration Issues related to USDA Rural Development Loan program Issues related to the Federal Home Loan Bank System Issues related to Fannie Mae capital Issues related to membership eligibility in the Federal Home Loan Bank System Issues related to financial literacy Issues related to Housing Finance Reform Issues related to student lending Issues related to the Economic Growth and Regulatory Paperwork Reduction Act process Issues related to retirement security Issues related to flood insurance Issues related to consumers access to records Issues related to economic growth Issues related to the National Credit Union Administration's Advance Notice of Proposed Rulemaking for Supplemental Capital Issues related to Interchange Fees Issues related to the funding of the National Credit Union Administration Issues related to the consumer notification of privacy standards Issues related to the Equal Credit Opportunity Act Issues related to the Fair Housing Act Issues related to the merger of credit unions Issues related to the Real Estate Settlement Procedures Act Issues related to the transfer of leadership at the Consumer Financial Protection Bureau Issues related to Community Reinvestment Act Issues related to Regulation Z Issues related to Military Lending Act Issues related to Financial Technology Issues related to Small Business Lending Data collection requirements Issues related to Involuntary liquidation of Federal Credit Unions and Claims procedures Issues related to Web-Based Quantitative Testing of Point of Sale / ATM Overdraft Disclosure Forms Issues related to residential appraisals Issues related to FHA appraisal certification Issues related to the nomination of Kathy Kraninger to the BCFP Issues related to GSE/Housing Finance Reform Issues related to FHA and USDA Loan Modifications Issues related to payments innovation Issues related to Faster payments Issues related to the Fair Credit Reporting Act Issues related to Treasure and IRS actions on the implementation of HR 1, the Tax Cuts and Job Act Issues related to cooperative funding sources in federal appropriations legislation Issues related to debt collection requirements Issues related to capital reform for credit unions Issues related to procurement reform for private voluntary organizations Issues related to Federal Credit Union Charter Modernization Issues related to expanded credit union powers / federal charter enhancement Issues related to the re-authorization of the National Flood Insurance Program Issues related to the Federal Credit Union Act H.J. Res 111, a resolution providing for congressional disapproval under chapter 8 title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to "Arbitration Agreements" H.Con.Res. XX, a concurrent budget resolution for FY 2019-general issues H.R. 10, the Financial CHOICE Act H.R. 26, the Regulations in Need of Scrutiny Act, all provisions H.R. 88, the Retirement, Savings, and Other Tax Relief Act of 2018 and Taxpayer First Act of 2018 H.R. 389, the Credit Union Residential Loan Parity Act, all provisions H.R. 924, the Financial Institutions Due Process Act H.R. 1116, the Taking Account of Institutions with Low Operation Risk Act (TAILOR), all provisions H.R. 1153, the Mortgage Choice Act of 2017, all provisions H.R. 1244, the Capital Access for Small Businesses and Jobs Act, all provisions H.R. 1264, the Community Financial Institution Exemption Act, all provisions H.R. 1457, the MOBILE Act, all provisions H.R. 1585, the Mutual Bank Capital Opportunity Act, all provisions H.R. 1958, the Protections Affordable Coverage for Employees (PACE) Act, all provisions H.R. 2054, Protecting Americans from Credit Entanglements Act of 2017 H.R. 2133, the Community Lending Enhancement and Regulatory Relief Act, all provisions H.R. 2204, the Homeowner Information Privacy Protection Act, all provisions H.R. 2215, the Secure and Fair Enforcement Banking Act of 2017 H.R. 2226, the Portfolio Lending and Mortgage Access Act, all provisions H.R. 2359, Fair Credit Reporting Act Liability Harmonization H.R. 2396, the Privacy Notification Technical Correction Act H.R. 2706, the Financial Institution Customer Protection Act, all provisions H.R. 2954, the Home Mortgage Disclosure Adjustment Act H.R. 3072, the Bureau of Consumer Financial Protection Examination and Reporting Threshold, all provisions H.R. 3089, the Corporate Transparency Act H.R. 3221, the Securing Access to Affordable Mortgages Act, all provisions H.R. 3299, the Protecting Consumers Access to Credit Act of 2017, all provisions H.R. 3746, the Business of Insurance Regulatory Reform Act of 2017 H.R. 3758, the Senior Safe Act of 2017 H.R. 3857, the PASS: Protecting Advice for Small Savers Act, all provisions H.R. 3866, to amend the Federal Credit Union Act to exclude extensions of credit made to veterans from the definition of a member business loan, all provisions H.R. 3911, the Risk-Based Credit Examination Act, all provisions H.R. 3971, the Community Institution Mortgage Relief Act of 2017 H.R. 3978, To amend the Real Estate Settlement Procedures Act of 1974 to modify requirements related to mortgage disclosures, and for other purposes H.R. 4464, the Common Sense Credit Union Capital Relief Act of 2017, all provisions H.R. 4545, the Financial Institutions Examination Fairness and Reform Act, all provisions H.R. 4607, the Comprehensive Regulatory Review Act, all provisions H.R. 4648, the Home Mortgage Reporting Relief Act of 2017, all provisions H.R. 5078, the TRID Improvement Act of 2018, all provisions H.R. 5266, the Financial Product Safety Commission Act of 2018, all provisions H.R. 5288, the Common Sense Credit Union Capital Relief Act of 2018, all provisions H.R. 5515, The John S. McCain National Defense Authorization Act, provisions related to financial service branches on military bases H.R. 5534, the Give Useful Information to Define Effective Compliance Act, all provisions H.R. 5952, Commerce, Justice, Science and Related Agencies Appropriations, Title II H.R. 6068, the Counter Terrorism and Illicit Finance Act, all provisions H.R. 6147, the Financial Services and General Government Appropriations Act for Fiscal Year 2019, all provisions H.R. 6385, Department of State, Foreign Operations, and Related Programs, Title I H.R. 6743, the Consumer Information Notification Requirement Act, all provisions H.R. 6850, the Financial Reporting Threshold Modernization Act , all provisions H.R. 7262, the American Housing and Economic Mobility Act of 2018 S.J. Res. 47, a resolution providing for congressional disapproval under Chapter 8 title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to "Arbitration Agreements" S. 21, the Regulations in Need of Scrutiny Act, all provisions S. 223, the Senior $afe Act, all provisions S. 366, the Taking Account of Institutions with Low Operation Risk (TAILOR) Act, all provisions S. 756, the First Step Act of 2018 S. 836, the Credit Union Residential Loan Parity Act, all provisions S. 838, the Protecting Affordable Coverage for Employees (PACE) Act, all provisions S. 869, Protecting Americans from Credit Entanglements Act of 2017 S. 1002, CLEAR Relief Act of 2017, all provisions S. 1310, Home Mortgage Disclosure Adjustment Act S. 1579, the Bureau of Consumer Financial Protection Advisory Board Enhancement Act S. 2155, Economic Growth, Regulatory Relief, and Consumer protection Act, all provisions S. 2237, the Financial Institution Examination Fairness Reform Act, all provisions S. 2463, Better Utilization of Investments Leading to Development (BUILD) Act S. 3032, the Strengthening the Tenth Amendment through Entrusting States (STATES) Act of 2018 S. 3503, the American Housing and Economic Mobility Act of 2018 S.J.Res. 19, A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act, all provisions Legislation contemplated by House Financial Services Committee Chairman Jeb Hensarling entitled the Financial Creating Hope and Opportunity for Investors, Consumer and Entrepreneurs (CHOICE) Act, provisions impacting credit unions, the National Credit Union Administration and the Consumer Financial Protection Bureau. Title XVII of the House Amendment to S. 488, the JOBS and Investor Confidence Act of 2018

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), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), SENATE, Small Business Administration (SBA), Treasury, Dept of, Veterans Affairs, Dept of (VA)

Public Law 111-203, H.R. 4173- Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation and Regulatory reform. Captive Reinsurance Transactions, Insurance Capital Standards and Global Capital Standards. H.R. 372 - Competitive Health Insurance Reform Act of 2017. This bill would restore the application of the Federal antitrust laws to the business of health insurance to protect competition and consumers. Issue: McCarran-Ferguson Act. H.R. 1270 - Living Donor Protection Act of 2017. The bill would promote and protect from discrimination living organ donors. Issue: underwriting. H.R. 3746/S.2702 - Business of Insurance Regulatory Reform Act. Issue: Insurance exclusion from CFPB jurisdiction. H.R. 5059 - State Insurance Regulation Preservation Act. Issue: Federal Reserve Board supervision of insurance companies. H.R. 5666/S. 3177 - Primary Regulators of Insurance Vote Act of 2018. Issue: FSOC reform. S.__ - Draft legislation regarding Federal Reserve Board supervision of insurance companies. Implementation of S. 2270 - Insurance Capital Standards Clarification Act of 2014. The bill would give the Federal Reserve the authority to tailor capital standards for insurance companies subject to Fed supervision. Issue: Capital Standards, Basel III H.R. 5666/S. 3177 - Primary Regulators of Insurance Vote Act of 2018. Issue: FSOC reform.

Client expense: $510,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Securities & Exchange Commission (SEC)

H.R.1708 - To prohibit the sale of a firearm to, and the purchase of a firearm by, a person who is not covered by appropriate liability insurance coverage , ALL PROVISIONS Monitor implementation of (Pub. L. 114-1), the Terrorism Risk Insurance Program Reauthorization Act of 2015, ALL PROVISIONS Monitor implementation of Pub. L. 114-113, Consolidated Appropriations Act, 2016 (contains the Policyholder Protection Act) , ALL PROVISIONS Monitor the Federal Insurance Offices activities at the International Association of Insurance Supervisors Recently concluded bilateral covered agreement with the EU , ALL PROVISIONS H.R. 10 - Financial CHOICE Act of 2017 , ALL PROVISIONS S. 1360 - International Insurance Capital Standards Accountability Act of 2017 , ALL PROVISIONS S.1579 - Bureau of Consumer Financial Protection Advisory Board Enhancement Act , ALL PROVISIONS H.R. 3110 - Financial Stability Oversight Council Insurance Member Continuity Act , ALL PROVISIONS H.R.3312 - Systemic Risk Designation Improvement Act of 2017, ALL PROVISIONS H.J.Res.111 - Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Arbitration Agreements" , ALL PROVISIONS H.R.3363 - CLAIM Act , ALL PROVISIONS S.1773/H.R. 3698 - A bill to amend the Federal Crop Insurance Act to limit the overall rate of return for crop insurance providers and remove the requirement of budget neutrality in the Standard Reinsurance Agreement , ALL PROVISIONS H.R.3746 - Business of Insurance Regulatory Reform Act of 2017 , ALL PROVISIONS S.1835 - Lower Premiums Through Reinsurance Act of 2017 , ALL PROVISIONS H.R.3861 - Federal Insurance Office Reform Act of 2017 , ALL PROVISIONS S.1893 - Systemic Risk Designation Improvement Act of 2017 , ALL PROVISIONS H.R.3762 - International Insurance Standards Act of 2017 , ALL PROVISIONS H.R.4061 - Financial Stability Oversight Council Improvement Act of 2017 , ALL PROVISIONS H.R.4309 - Regulatory Relief Act of 2017 , ALL PROVISIONS S.2155 - Economic Growth, Regulatory Relief, and Consumer Protection Act , ALL PROVISIONS H.R.4483 - Federal Insurance Office Abolishment Act of 2017 , ALL PROVISIONS H.R.4537 - International Insurance Standards Act of 2018 , ALL PROVISIONS H.R.4755 - Federal Reserve Regulatory Oversight Act , ALL PROVISIONS S.2299 - Wildfire Regulatory Relief Act of 2018 , ALL PROVISIONS S.2512 - A bill to amend the Agricultural Act of 2014 to require producers to elect to receive price loss coverage or agriculture risk coverage under that Act or Federal crop insurance under the Federal Crop Insurance Act , ALL PROVISIONS H.R.5203 - To amend the Agricultural Act of 2014 to require producers to elect to receive price loss coverage or agriculture risk coverage under that Act or Federal crop insurance under the Federal Crop Insurance Act. (related bill to above) , ALL PROVISIONS H.R.4865 - Crop Insurance Modernization Act of 2018 , ALL PROVISIONS H.R.4771 - Small Bank Holding Company Relief Act of 2018 , ALL PROVISIONS H.R.5059 - State Insurance Regulation Preservation Act , ALL PROVISIONS H.R.5076 - Small Bank Exam Cycle Improvement Act of 2018 (to amend the Federal Deposit Insurance Act to extend the examination cycle for certain insured depository institutions) , ALL PROVISIONS H.R.5266 - Financial Product Safety Commission Act of 2018 (to amend the Consumer Financial Protection Act of 2010 to make the Bureau of Consumer Financial Protection an independent Financial Product Safety Commission, and for other purposes) , ALL PROVISIONS H.R.5381 - GRATER Act of 2018 (To reduce and minimize the credit, guarantee, and insurance risk of all Federal Government programs by transferring such risk to the private sector at market terms, and for other purposes) , ALL PROVISIONS S. 2702 - A bill to amend the Consumer Financial Protection Act of 2010 to clarify authority of the Bureau of Consumer Financial Protection with respect to persons regulated by a State insurance regulator, and for other purposes , ALL PROVISIONS H.R.5470 - To repeal the Office of Financial Research, and for other purposes , ALL PROVISIONS H.R. 4061 - Financial Stability Oversight Council Improvement Act of 2017 - To amend the Financial Stability Act of 2010 to improve the transparency of the Financial Stability Oversight Council, to improve the SIFI designation process, and for other purposes , ALL PROVISIONS H.R.6163 - To amend the Consumer Financial Protection Act of 2010 to reform the Consumer Financial Civil Penalty Fund and to prohibit the Bureau of Consumer Financial Protection from serving as the administrator of redress payments, and for other purposes , ALL PROVISIONS S.3177 - A bill to amend the Financial Stability Act of 2010 to include the State insurance commissioner as a voting member of the Financial Stability Oversight Council, and for other purposes , ALL PROVISIONS H.R.5825 - To expand crop insurance available to beginning farmers and ranchers, and for other purposes , ALL PROVISIONS H.R.6292 - To amend the Liability Risk Retention Act of 1986 to expand the types of commercial insurance authorized for risk retention groups serving nonprofit organizations, and for other purposes , ALL PROVISIONS H.R.5629 - To amend the Federal Crop Insurance Act and Food Security Act of 1985 to enact reforms to farm subsidies and crop insurance called for in President Trump's budget for fiscal year 2019, ALL PROVISIONS S.3670 - A bill to reauthorize the National Flood Insurance Program (Tim Scott, SC), ALL PROVISIONS S.3703 - NFIP Extension Act of 2018 - To reauthorize the National Flood Insurance Program (Marco Rubio), ALL PROVISIONS H.R.7187 - To extend the National Flood Insurance Program until December 7, 2018 (Thomas MacArthur, R-NJ), ALL PROVISIONS H.R.7133 - Captive Insurers Clarification Act - To clarify the definition of nonadmitted insurer under the Nonadmitted and Reinsurance Reform Act of 2010, and for other purposes (Peter Welch, D-VT-At Large), ALL PROVISIONS S.3628 - National Flood Insurance Program Extension Act - To reauthorize the National Flood Insurance Program (John Kennedy, LA), ALL PROVISIONS H.R.7388 - National Flood Insurance Program Competition and Extension Act of 2018 - To extend the National Flood Insurance Program, and for other purposes (Thomas MacArthur, R-NJ), ALL PROVISIONS

Client expense: $560,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Federal Aviation Administration (FAA), Federal Election Commission (FEC), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Labor, Dept of (DOL), Natl Highway Traffic Safety Administration (NHTSA), SENATE, Treasury, Dept of, U.S. Trade Representative (USTR)

Flood Insurance reform, reauthorization H.R. 2875, the National Flood Insurance Program Administrative Reform Act of 2017 H.R. 1558, the Repeatedly Flooded Communities Preparation Act H.R. 1422, the Flood Insurance Market Parity and Modernization Act S. 563, the Flood Insurance Market Parity and Modernization Act S. 1571, the National Flood Insurance Program Reauthorization Act of 2017 S. 1368, the Sustainable, Affordable, Fair and Efficient (SAFE) National Flood Insurance Program Reauthorization Act of 2017 S. 1313 Flood Insurance Affordability and Sustainability Act of 2017 H.R. 2246, the Taxpayer Exposure Mitigation Act of 2017 H.R. 2565, a bill to require the use of replacement cost value in determining the premium rates for flood insurance coverage under the National Flood Insurance Act, and for other purposes. H.R. 2868, the National Flood Insurance Program Policyholder Protection Act of 2017 H.R. 2874, the 21st Century Flood Reform Act of 2017 Appropriations related to mitigation and mapping H.R.2 - Agriculture Improvement Act of 2018 S.3042 - Agriculture Improvement Act of 2018 H.R. 3746, the Business of Insurance Regulatory Reform Act of 2017 The Nonprofit Property Protection Act Cyber risk insurance issues InsurTech issues Social Security Disability Insurance (SSDI) claims process improvements and supporting funding for Social Security Administration Issues related to Supplemental Benefits H.R. 6128, HSA Employer Flexibility Act H.R. 5138, Bipartisan HSA Improvement Act of 2018 H.R. 6199, Restoring Access to Medication and Modernizing Health Savings Accounts Act of 2018 S.2241 - A bill to amend the Patient Protection and Affordable Care Act by clarifying that State Exchanges are prohibited from imposing fees or assessments on issuers of excepted benefits and standalone dental plans not sold through an Exchange. H.R.4225 - To amend the Patient Protection and Affordable Care Act by clarifying that State Exchanges are prohibited from imposing fees or assessments on issuers of excepted benefits and standalone dental plans not sold through an Exchange. National Defense Authorization Act (NDAA) section on TRICARE H.R. 5881 Provide Accurate Information Directly (PAID) Act

Client expense: $380,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), Office of Management & Budget (OMB), SENATE, Treasury, Dept of

Regulation of insurance at the Federal level; role and authority of the Federal Insurance Office; development of capital standards for insurers: including bills HR 3746, S 2702, HR 3861, HR 4061.

Client expense: Not reported · Firm income: $25,000

Government targets: HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Labor, Dept of (DOL), SENATE, Treasury, Dept of, White House Office

Provisions in the DFA Reform Act in the House known as the Choice Act (no current bill number). Specific lobbying on authority of FSOC to designate insurers as systemically significant; the powers and role of the Federal Insurance Office; the specific impact of Covered Agreements; the powers and authority of the CFPB with respect to insurance products: including bills HR 3746, S 2702, HR 3861, and HR 4061.

Client expense: Not reported · Firm income: $25,000

Government targets: HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Labor, Dept of (DOL), SENATE, Treasury, Dept of, White House Office

Regulation of insurance (general); general issues related to the Federal Insurance Office; general issues related to the Federal Advisory Committee on Insurance (FACI); general issues related to the Financial Stability Oversight Council (FSOC); issues related to the implementation of the National Association of Registered Agents and Brokers; implementation of the Biggert-Waters Flood Insurance Reform Act of 2012; implementation of the Homeowner Flood Insurance Affordability Act (Public Law No: 113-89); issues related to the National Flood Insurance Program;H.R. 1422/S. 563, the Flood Insurance Market Parity and Modernization Act; H.R. 10,the Financial CHOICE Act; S. 1360, the Transparent Insurance Standards Act; Bilateral Agreement between the European Union and the United States of America On Prudential Measures Regarding Insurance and Reinsurance;H.R. 2868, the National Flood Insurance Program Policyholder Protection Act of 2017; H.R. 2874, the 21st Century Flood Reform Act;H.R. 2875, the National Flood Insurance Program Administrative Reform Act of 2017;H.R. 1558, the Repeatedly Flooded Communities Preparation Act; H.R. 2565, a bill to require the use of replacement cost value in determining the premium rates for flood insurance coverage under the National Flood Insurance Act, and for other purposes;H.R. 2246, the Taxpayer Exposure Mitigation Act of 2017;S. 1313, the Flood Insurance Affordability & Sustainability Act of 2017; S. 1368, The Sustainable, Affordable, Fair and Efficient National Flood Insurance Program Reauthorization Act of 2017;S.1571 National Flood Insurance Program Reauthorization Act of 2017; H.R. 3861, the Federal Insurance Office Reform Act of 2017; H.R. 4537, the International Insurance Standards Act of 2017;H.R.2874 21st Century Flood Reform Act;H.R. 4483, the Federal Insurance Office Abolishment Act of 2017;H.R. 3746, the Business of Insurance Regulatory Reform Act; S. 2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act; H.R. 6743, the Consumer Information Notification Requirement Act; S.1182, the National Flood Insurance Program Extension Act of 2018; S. 488, the JOBS and Investor Confidence Act ; Guidance on the Effects of a Lapse of Appropriation for the NFIP;H.R. 7187 National Flood Insurance Program Further Extension Act of 2018; S.3628, National Flood Insurance Program Extension Act

Client expense: $90,632 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), Federal Emergency Management Agency (FEMA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Internal Revenue Service (IRS), Labor, Dept of (DOL), Risk Management Agency, SENATE, Treasury, Dept of

H.R. 302 - FAA Reauthorization Act of 2018; provisions relating to drones H.R. 372 - Competitive Health Insurance Reform Act of 2017; provisions relating to McCarran-Ferguson Act coverage for life, annuities, disability income insurance, long-term care insurance, and P/C insurance H.R. 2997 - The 21st Century Aviation Innovation, Reform, and Reauthorization Act (AIRRACT); provisions relating to use of drones H.R. 3746 - Business of Insurance Regulatory Reform Act of 2017; entire bill H.R. 3762 - International Insurance Standards Act of 2017; entire bill H.R. 3861 - Federal Insurance Office Reform Act of 2017; entire bill H.R. 5059 - State Insurance Regulation Preservation Act; entire bill H.R. 5666 - Primary Regulators of Insurance Vote of 2018; entire bill S. 488 - JOBS and Investor Confidence Act of 2018; provisions relating to international insurance standards S. 1360 - International Insurance Capital Standards Accountability Act of 2017; entire bill S. 2702 - Business of Insurance Regulatory Reform Act of 2018; entire bill S. 3177 - Primary Regulators of Insurance Vote Act of 2018; entire bill

Client expense: $460,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

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 NCUAs risk-based capital rule Issues related to NCUAs Advanced Notice of Proposed Rulemaking on Alternative Capital Issues related to NCUAs rule on securitization Issues related to NCUAs regulatory review process Issues related to NCUAs rule on Member Business Lending Issues related to Federal Credit Union bylaws Issues relating to home-based credit unions 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 credit union service to marijuana businesses Issues related to material loss reports of the NCUA Office of Inspector General Issues related to the regulation of corporate credit unions 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 fixed assets Issues related to credit union conversions Issues related to credit union call report modernization Issues related to premium assessments by the National Credit Union Share Insurance, NCUA Issues related to NCUAs Corporate Credit Union Stabilization Plan Issues related to NCUAs budget and the overhead transfer rate Issues related to Credit Union Service Organizations (CUSO) Issues related to the authority of the CFPB to exempt credit unions from its rulemaking Issues related to the CFPB rule to remittances and international wire transfers 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 Supervisory 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 rule regarding qualified mortgage / ability to repay Issues related to reverse mortgages Issues related to the CFPBs regulation on Home Mortgage Disclosure Act (Regulation C) Issues related to the CFPBs regulation on Truth-in-Lending Act / Real Estate Settlement Procedures Act Integrated Disclosures Issues related to the payday, vehicle title, and similar lending Issues related to short term lending products and advance deposit products Issues related to the CFPBs consumer complaint database Issues related to the Department of Justices investigation entitled, Operation Choke Point Issues related to the Department of Defense proposal regarding Credit Extending to Service Members under MLA Issues related to indirect auto lending 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 CFPB's proposal on arbitration 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 data and cyber security Issues related to mobile banking and mobile payments Issues related to identity theft and fraud reduction Issues related to secure payments Issues related to merchant data breaches Issues related to the payments system Issues related to Federal Reserve Regulatory D Issues related to the Feds implementation of same-day ACH Issues related to the Bank Secrecy Act and Currency Transaction Reporting Requirements Issues related to the oversight of the Federal Housing Administration Issues related to USDA Rural Development Loan program Issues related to the Federal Home Loan Bank System Issues related to Fannie Mae capital Issues related to membership eligibility in the Federal Home Loan Bank System Issues related to financial literacy Issues related to Housing Finance Reform Issues related to student lending Issues related to the Economic Growth and Regulatory Paperwork Reduction Act process Issues related to retirement security Issues related to flood insurance Issues related to consumers access to records Issues related to economic growth Issues related to the National Credit Union Administration's Advance Notice of Proposed Rulemaking for Supplemental Capital Issues related to Interchange Fees Issues related to the funding of the National Credit Union Administration Issues related to the consumer notification of privacy standards Issues related to the Equal Credit Opportunity Act Issues related to the Fair Housing Act Issues related to the merger of credit unions Issues related to the Real Estate Settlement Procedures Act Issues related to the transfer of leadership at the Consumer Financial Protection Bureau Issues related to Community Reinvestment Act Issues related to Regulation Z Issues related to Military Lending Act Issues related to Financial Technology Issues related to Small Business Lending Data collection requirements Issues related to Involuntary liquidation of Federal Credit Unions and Claims procedures Issues related to Web-Based Quantitative Testing of Point of Sale / ATM Overdraft Disclosure Forms Issues related to residential appraisals Issues related to FHA appraisal certification Issues related to the nomination of Kathy Kraninger to the BCFP Issues related to GSE/Housing Finance Reform Issues related to FHA and USDA Loan Modifications Issues related to payments innovation Issues related to Faster payments Issues related to the Fair Credit Reporting Act Issues related to Treasure and IRS actions on the implementation of HR 1, the Tax Cuts and Job Act Issues related to cooperative funding sources in federal appropriations legislation Issues related to debt collection requirements Issues related to capital reform for credit unions Issues related to procurement reform for private voluntary organizations Issues related to Federal Credit Union Charter Modernization Issues related to expanded credit union powers / federal charter enhancement Issues related to the re-authorization of the National Flood Insurance Program Issues related to the Federal Credit Union Act H.J. Res 111, a resolution providing for congressional disapproval under chapter 8 title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to "Arbitration Agreements" H.Con.Res. XX, a concurrent budget resolution for FY 2019-general issues H.R. 10, the Financial CHOICE Act H.R. 26, the Regulations in Need of Scrutiny Act, all provisions H.R. 88, the Retirement, Savings, and Other Tax Relief Act of 2018 and Taxpayer First Act of 2018 H.R. 389, the Credit Union Residential Loan Parity Act, all provisions H.R. 924, the Financial Institutions Due Process Act H.R. 1116, the Taking Account of Institutions with Low Operation Risk Act (TAILOR), all provisions H.R. 1153, the Mortgage Choice Act of 2017, all provisions H.R. 1244, the Capital Access for Small Businesses and Jobs Act, all provisions H.R. 1264, the Community Financial Institution Exemption Act, all provisions H.R. 1457, the MOBILE Act, all provisions H.R. 1585, the Mutual Bank Capital Opportunity Act, all provisions H.R. 1958, the Protections Affordable Coverage for Employees (PACE) Act, all provisions H.R. 2054, Protecting Americans from Credit Entanglements Act of 2017 H.R. 2133, the Community Lending Enhancement and Regulatory Relief Act, all provisions H.R. 2204, the Homeowner Information Privacy Protection Act, all provisions H.R. 2215, the Secure and Fair Enforcement Banking Act of 2017 H.R. 2226, the Portfolio Lending and Mortgage Access Act, all provisions H.R. 2359, Fair Credit Reporting Act Liability Harmonization H.R. 2396, the Privacy Notification Technical Correction Act H.R. 2706, the Financial Institution Customer Protection Act, all provisions H.R. 2954, the Home Mortgage Disclosure Adjustment Act H.R. 3072, the Bureau of Consumer Financial Protection Examination and Reporting Threshold, all provisions H.R. 3089, the Corporate Transparency Act H.R. 3221, the Securing Access to Affordable Mortgages Act, all provisions H.R. 3299, the Protecting Consumers Access to Credit Act of 2017, all provisions H.R. 3746, the Business of Insurance Regulatory Reform Act of 2017 H.R. 3758, the Senior Safe Act of 2017 H.R. 3857, the PASS: Protecting Advice for Small Savers Act, all provisions H.R. 3866, to amend the Federal Credit Union Act to exclude extensions of credit made to veterans from the definition of a member business loan, all provisions H.R. 3911, the Risk-Based Credit Examination Act, all provisions H.R. 3971, the Community Institution Mortgage Relief Act of 2017 H.R. 3978, To amend the Real Estate Settlement Procedures Act of 1974 to modify requirements related to mortgage disclosures, and for other purposes H.R. 4464, the Common Sense Credit Union Capital Relief Act of 2017, all provisions H.R. 4545, the Financial Institutions Examination Fairness and Reform Act, all provisions H.R. 4607, the Comprehensive Regulatory Review Act, all provisions H.R. 4648, the Home Mortgage Reporting Relief Act of 2017, all provisions H.R. 5078, the TRID Improvement Act of 2018, all provisions H.R. 5266, the Financial Product Safety Commission Act of 2018, all provisions H.R. 5288, the Common Sense Credit Union Capital Relief Act of 2018, all provisions H.R. 5515, The John S. McCain National Defense Authorization Act, provisions related to financial service branches on military bases H.R. 5534, the Give Useful Information to Define Effective Compliance Act, all provisions H.R. 5952, Commerce, Justice, Science and Related Agencies Appropriations, Title II H.R. 6068, the Counter Terrorism and Illicit Finance Act, all provisions H.R. 6147, the Financial Services and General Government Appropriations Act for Fiscal Year 2019, all provisions H.R. 6385, Department of State, Foreign Operations, and Related Programs, Title I H.R. 6743, the Consumer Information Notification Requirement Act, all provisions H.R. 6850, the Financial Reporting Threshold Modernization Act , all provisions H.R. 7262, the American Housing and Economic Mobility Act of 2018 S.J. Res. 47, a resolution providing for congressional disapproval under Chapter 8 title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to "Arbitration Agreements" S. 21, the Regulations in Need of Scrutiny Act, all provisions S. 223, the Senior $afe Act, all provisions S. 366, the Taking Account of Institutions with Low Operation Risk (TAILOR) Act, all provisions S. 756, the First Step Act of 2018 S. 836, the Credit Union Residential Loan Parity Act, all provisions S. 838, the Protecting Affordable Coverage for Employees (PACE) Act, all provisions S. 869, Protecting Americans from Credit Entanglements Act of 2017 S. 1002, CLEAR Relief Act of 2017, all provisions S. 1310, Home Mortgage Disclosure Adjustment Act S. 1579, the Bureau of Consumer Financial Protection Advisory Board Enhancement Act S. 2155, Economic Growth, Regulatory Relief, and Consumer protection Act, all provisions S. 2237, the Financial Institution Examination Fairness Reform Act, all provisions S. 2463, Better Utilization of Investments Leading to Development (BUILD) Act S. 3032, the Strengthening the Tenth Amendment through Entrusting States (STATES) Act of 2018 S. 3503, the American Housing and Economic Mobility Act of 2018 S.J.Res. 19, A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act, all provisions Legislation contemplated by House Financial Services Committee Chairman Jeb Hensarling entitled the Financial Creating Hope and Opportunity for Investors, Consumer and Entrepreneurs (CHOICE) Act, provisions impacting credit unions, the National Credit Union Administration and the Consumer Financial Protection Bureau. Title XVII of the House Amendment to S. 488, the JOBS and Investor Confidence Act of 2018

Client expense: $860,210 · 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), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), SENATE, Small Business Administration (SBA), Treasury, Dept of, Veterans Affairs, Dept of (VA)

SEC Proposed Regulation Best Interest (17 CFR Part 240). SEC Proposed Commission Interpretation Regarding Standard of Conduct for Investment Advisers; Request for Comment on Enhancing Investment Adviser Regulation (17 CFR Part 275). SEC Proposed Form CRS Relationship Summary; Amendments to Form ADV; Required Disclosures in Retail Communications and Restrictions on the use of Certain Names or Titles (17 CFR Parts 240, 249, 275 and 279). DOL EBSA Proposed Definition of Employer under Section 3(5) of ERISA - Association Retirement Plans and Other Multiple-Employer Plans Rule (29 CFR Part 2510). Legislation and rulemaking affecting annuities, variable life products and retirement savings including Trump Administration and Congressional proposals on tax reform. Public Law 111-203, Dodd-Frank Wall Street Reform and Consumer Protection Act of 2013, implementation and regulatory reform. A bill to amend the Employee Retirement Income Security Act of 1974 to require disclosure of lifetime income equivalents (H.R. 2055, S.868). Proposals at the Department of Treasury for increasing Americans' access to guaranteed lifetime income solutions. Proposals at the Department of Labor for increasing Americans' access to guaranteed lifetime income solutions. Department of Labor rule to expand the scope of persons and entities that would be considered a fiduciary under the Employee Retirement Income Security Act. Financial CHOICE Act of 2017 (H.R. 10). Affordable Retirement Advice for Savers Act (H.R. 2823). Affordable Retirement Advice Protection Act (S.1321). The Protecting Advice for Small Savers (PASS) Act of 2017 (H.R. 3857). The Make America Secure and Prosperous Appropriations Act (H.R. 3354). The FY 2019 Labor, Health and Human Services, and Education (LHHS) funding bill (H.R. 6157). Implementation of Public Law No: 115-97, the Tax Cuts and Jobs Act. The Business of Insurance Regulatory Reform Act (H.R. 3746). The Financial Stability Oversight Council Insurance Member Continuity Act (H.R. 3110, S.1463). The Primary Regulators of Insurance Vote Act of 2018 (H.R. 5666). Portable Retirement and Investment Act (H.R. 6990). Small Business Employees Retirement Enhancement Act (S. 3219). Family Savings Act (H.R. 6757). The Strengthening Financial Security through Short-Term Savings Act (S. 3218). Retirement Security and Savings Act of 2018 (S.3781). Retirement, Savings, and Other Tax Relief Act of 2018 and the Taxpayer First Act of 2018 (H.R. 88).

Client expense: $60,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

SEC Proposed Regulation Best Interest (17 CFR Part 240). SEC Proposed Commission Interpretation Regarding Standard of Conduct for Investment Advisers; Request for Comment on Enhancing Investment Adviser Regulation (17 CFR Part 275). SEC Proposed Form CRS Relationship Summary; Amendments to Form ADV; Required Disclosures in Retail Communications and Restrictions on the use of Certain Names or Titles (17 CFR Parts 240, 249, 275 and 279). SEC Proposal Updated Disclosure Requirements and Summary Prospectus for Variable Annuity and Variable Life Insurance Contracts (17 CFR Parts 230, 232, 239, 240, 270, and 274). Legislation and rulemaking affecting annuities, variable life products and retirement savings including Trump Administration and Congressional proposals on tax reform. Public Law 111-203, Dodd-Frank Wall Street Reform and Consumer Protection Act, implementation and regulatory reform. Implementation of Title VII of the Dodd-Frank Wall Street Reform and Consumer Protection Act, promote regulatory coordination, and avoid market disruption. Proposals at the Department of Treasury for increasing Americans' access to guaranteed lifetime income solutions. Proposals at the Department of Labor for increasing Americans' access to guaranteed lifetime income solutions. Department of Labor rule to expand the scope of persons and entities that would be considered a fiduciary under the Employee Retirement Income Security Act. Financial CHOICE Act of 2017 (H.R. 10). The Protecting Advice for Small Savers (PASS) Act of 2017 (H.R. 3857). The Make America Secure and Prosperous Appropriations Act (H.R. 3354). The FY 2019 Labor, Health and Human Services, and Education (LHHS) funding bill (H.R. 6157). Senior Safe Act of 2017 (H.R. 3758, S.223). The Economic Growth, Regulatory Relief and Consumer Protection Act (S.2155). Implementation of Public Law No: 115-97, the Tax Cuts and Jobs Act. The Business of Insurance Regulatory Reform Act (H.R. 3746). The Financial Stability Oversight Council Insurance Member Continuity Act (H.R. 3110, S. 1463). The Make America Secure and Prosperous Appropriations Act (H.R. 3354). FY 2018 Budget Resolution (H.R. Con Res 71). Retirement Enhancement and Savings Act of 2018 (H.R. 5282, S.2526). Consolidated Appropriations Act, 2018 (H.R. 1625). Senior Safe Act 2017 included as Title III (H.R. 2255). The Primary Regulators of Insurance Vote Act of 2018 (H.R. 5666). Elder Protection and Abuse Prevention Act (H.R. 6744). Senior Security Act of 2018 (H.R. 6323). The Strengthening Financial Security through Short-Term Savings Act (S.3218). The Refund to Rainy Day Savings Act (S.3220). JOBS and Investor Confidence Act of 2018 (S.488). CONSENT Act (S.2639). Consumer Data Privacy Act - (Sen. Wyden (D-OR) - Discussion Draft). Consumer Information Notification Requirement Act (H.R. 6743).

Client expense: $60,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

Monitor implementation of P.L. 113-279, the Insurance Capital Standards Clarification Act of 2014; monitor H.R. 3762, the International Insurance Standards Act of 2017; monitor the Federal Insurance Offices activities at the International Association of Insurance Supervisors; monitor the recently concluded bilateral covered agreement with the EU; monitor H.R. 2874, the 21st Century Flood Reform Act, and S. 1571, National Flood Insurance Program Reauthorization Act of 2017; monitor H.R. 3746/S. 2702, the Business of Insurance Regulatory Reform Act of 2017; monitor H.R. 3861, the Federal Insurance Office Reform Act of 2017; monitor H.R. 4537, the International Insurance Standards Act of 2017; monitor H.R. 4460, the Disaster Recovery Reform Act.

Client expense: Not reported · Firm income: $20,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Regulation of insurance (general); general issues related to the Federal Insurance Office; general issues related to the Federal Advisory Committee on Insurance (FACI); general issues related to the Financial Stability Oversight Council (FSOC); issues related to the implementation of the National Association of Registered Agents and Brokers; implementation of the Biggert-Waters Flood Insurance Reform Act of 2012; implementation of the Homeowner Flood Insurance Affordability Act (Public Law No: 113-89); issues related to the National Flood Insurance Program;H.R. 1422/S. 563, the Flood Insurance Market Parity and Modernization Act; H.R. 10,the Financial CHOICE Act; S. 1360, the Transparent Insurance Standards Act; Bilateral Agreement between the European Union and the United States of America On Prudential Measures Regarding Insurance and Reinsurance;H.R. 2868, the National Flood Insurance Program Policyholder Protection Act of 2017; H.R. 2874, the 21st Century Flood Reform Act;H.R. 2875, the National Flood Insurance Program Administrative Reform Act of 2017;H.R. 1558, the Repeatedly Flooded Communities Preparation Act; H.R. 2565, a bill to require the use of replacement cost value in determining the premium rates for flood insurance coverage under the National Flood Insurance Act, and for other purposes;H.R. 2246, the Taxpayer Exposure Mitigation Act of 2017;S. 1313, the Flood Insurance Affordability & Sustainability Act of 2017; S. 1368, The Sustainable, Affordable, Fair and Efficient National Flood Insurance Program Reauthorization Act of 2017;S.1571 National Flood Insurance Program Reauthorization Act of 2017; H.R. 3861, the Federal Insurance Office Reform Act of 2017; H.R. 4537, the International Insurance Standards Act of 2017;H.R.2874 21st Century Flood Reform Act;H.R. 4483, the Federal Insurance Office Abolishment Act of 2017;H.R. 3746, the Business of Insurance Regulatory Reform Act; S. 2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act; H.R. 6743, the Consumer Information Notification Requirement Act; S.1182, the National Flood Insurance Program Extension Act of 2018; S. 488, the JOBS and Investor Confidence Act ; Guidance on the Effects of a Lapse of Appropriation for the NFIP;H.R. 7187 National Flood Insurance Program Further Extension Act of 2018; S.3628, National Flood Insurance Program Extension Act

Client expense: $90,632 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), Federal Emergency Management Agency (FEMA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Internal Revenue Service (IRS), Labor, Dept of (DOL), Risk Management Agency, SENATE, Treasury, Dept of

-Financial services reform legislation regarding provisions affecting the regulation of insurance products and companies. -Issues related to implementation of Dodd-Frank Wall Street Reform and Consumer Protection Act (P.L. 111-203). -Issues related to international capital standards for insurance. -Issues related to HR 3762, International Insurance Standards Act of 2017. -Issues related to HR 3861, FIO Reform Act. -Issues related to HR 3746, Business of Insurance Regulatory Reform Act. -Issues related to Financial Stability Board Oversight. -Issues related to S 2155, Economic Growth, Regulatory Relief and Consumer Protection Act. -Issues related to House Financial Services.

Client expense: $750,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Executive Office of the President (EOP), HOUSE OF REPRESENTATIVES, SENATE, State, Dept of (DOS), Treasury, Dept of