State Insurance Regulation Preservation Act

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

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

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

HR 7278 To amend the Employee Retirement Income Security Act of 1974 (Rep. Ron Estes, R-KS) {General Accounts Legislation} HR 5059 - State Insurance Regulation Preservation Act - Overlap of federal examination General Account Legislation - Products are being targeted by plaintiffs' firms seeking to hold insurers liable as fiduciaries under ERISA - which is contrary to the current interpretation of the law. S.3412 Paid Family Leave Pilot Extension Act of 2018 (Sen. Deb Fischer, R- NE) S. 2188, S.2289,S.3744 Consumer data protection & data breach prevention legislation

Client expense: $100,000 · Firm income: Not reported

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. 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)

H.R. 5059 Insurance Savings and Loan Holding Companies H.R. 4537 State Based System of Insurance Regulation Reauthorization of National Flood Insurance Program Private Flood Insurance

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

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Natl Credit Union Administration (NCUA), 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

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 Draft legislation regarding Federal Reserve Board supervision of insurance companies.

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

Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), Natl Economic Council (NEC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

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

H.R. 10, Financial CHOICE Act of 2017 H.R. 21/S. 34, Midnight Rules Relief Act of 2017 H.R. 78, SEC Regulatory Accountability Act H.R. 79/S. 588, Helping Angels Lead Our Startups (HALOS) Act H.R. 238, Commodity End-User Relief Act H.R. 477, Small Business Mergers, Acquisitions, Sales, and Brokerage Simplification Act of 2017 H.R. 1116, Taking Account of Institutions with Low Operation Risk (TAILOR) Act of 2017 H.R. 1153, Mortgage Choice Act of 2017 H.R. 1219/S. 444, Supporting America's Innovators Act of 2017 H.R. 1257, Securities and Exchange Commission Overpayment Credit Act H.R. 1312/S. 416, Small Business Capital Formation Enhancement Act H.R. 1343, Encouraging Employee Ownership Act of 2017 H.R. 1457, Making Online Banking Initiation Legal and Easy (MOBILE) Act of 2017 H.R. 1585, Fair Investment Opportunities for Professional Experts Act H.R. 1611, Gender Diversity in Corporate Leadership Act of 2017 H.R. 1645/S. 2126, Fostering Innovation Act of 2017 H.R. 1702, Small Business Development Centers Improvement Act of 2018 H.R. 2128, Due Process Restoration Act of 2017 H.R. 2201, Micro Offering Safe Harbor Act H.R. 2226/S. 2013, Portfolio Lending and Mortgage Access Act H.R. 2319, Consumer Financial Choice and Capital Markets Protection Act of 2018 H.R. 2396, Privacy Notification Technical Clarification Act H.R. 2553, Taking Account of Bureaucrats Spending (TABS) Act of 2017 H.R. 2706, Financial Institution Customer Protection Act of 2017 H.R. 3089, Corporate Transparency Act of 2017 H.R. 3093, Investor Clarity and Bank Parity Act H.R. 3179, Transparency and Accountability for Business Standards Act H.R. 3299, Protecting Consumers' Access to Credit Act of 2017 H.R. 3312/S. 1893, Systemic Risk Designation Improvement Act of 2017 H.R. 3746/S. 2702, Business of Insurance Regulatory Reform Act of 2017 H.R. 3762, International Insurance Standards Act of 2017 H.R. 3857, Protecting Advice for Small Savers (PASS) Act of 2017 H.R. 3860, IRS Data Verification Modernization Act of 2017 H.R. 3903/S. 2347, Encouraging Public Offerings Act of 2017 H.R. 3911, Risk-Based Credit Examination Act H.R. 3948, Protection of Source Code Act H.R. 3972, Family Office Technical Correction Act of 2017 H.R. 3973, Market Data Protection Act of 2017 H.R. 3978, TRID Improvement Act of 2017 H.R. 4015, Corporate Governance Reform and Transparency Act of 2017 H.R. 4061, Financial Stability Oversight Council Improvement Act of 2017 H.R. 4248, To amend the Securities Exchange Act of 1934 to repeal certain disclosure requirements related to conflict minerals, and for other purposes H.R. 4263, Regulation A+ Improvement Act of 2017 H.R. 4267, Small Business Credit Availability Act H.R. 4279, Expanding Investment Opportunities Act H.R. 4281/S. 2953, Expanding Access to Capital for Rural Job Creators Act H.R. 4289, To amend the Dodd-Frank Wall Street Reform and Consumer Protection Act to repeal certain disclosure requirements related to coal and mine safety H.R. 4292, Financial Institution Living Will Improvement Act of 2017 H.R. 4293, Stress Test Improvement Act of 2017 H.R. 4294, Prevention of Private Information Dissemination Act of 2017 H.R. 4296, To place requirements on operational risk capital requirements for banking organizations established by an appropriate Federal banking agency H.R. 4311, Foreign Investment Risk Review Modernization Act of 2017 H.R. 4519, To amend the Securities Exchange Act of 1934 to repeal certain disclosure requirements related to resource extraction, and for other purposes H.R. 4529, Accelerating Access to Capital Act of 2017 H.R. 4537, International Insurance Standards Act of 2017 H.R. 4545, Financial Institutions Examination Fairness and Reform Act H.R. 4550, Practice of Law Technical Clarification Act of 2017 H.R. 4566, Alleviating Stress Test Burdens to Help Investors Act H.R. 4607, Comprehensive Regulatory Review Act H.R. 4659, To require the appropriate Federal banking agencies to recognize the exposure-reducing nature of client margin for cleared derivatives H.R. 4753, Federal Reserve Supervision Testimony Clarification Act H.R. 4771, Small Bank Holding Company Relief Act of 2018 H.R. 4790, Volcker Rule Regulatory Harmonization Act H.R. 4861, Ensuring Quality Unbiased Access to Loans (EQUAL) Act of 2018 H.R. 5036, Financial Technology Protection Act H.R. 5051, Public Company Registration Threshold Act H.R. 5054, Small Company Disclosure Simplification Act of 2018 H.R. 5059, State Insurance Regulation Preservation Act H.R. 5105/S. 2436, Better Utilization of Investments Leading to Development (BUILD) Act of 2018 H.R. 5266, Financial Product Safety Commission Act of 2018 H.R. 5323, Derivatives Fairness Act H.R. 5534, Give Useful Information to Define Effective (GUIDE) Compliance Act H.R. 5645, Standard Merger and Acquisition Reviews Through Equal Rules Act of 2018 H.R. 5749, Options Markets Stability Act H.R. 5756, To require the Securities and Exchange Commission to adjust certain resubmission thresholds for shareholder proposals H.R. 5783, Cooperate with Law Enforcement Agencies and Watch Act of 2018 H.R. 5877, Main Street Growth Act H.R. 5970, Modernizing Disclosures for Investors Act H.R. 5999, Streamlining Communications for Investors Act H.R. 6021, Small Business Audit Correction Act of 2018 H.R. 6035, Streamlining Communications for Investors Act H.R. 6068, Counter Terrorism and Illicit Finance Act H.R. 6130, Helping Startups Continue to Grow Act H.R. 6139, Improving Investment Research for Small and Emerging Issuers Act H.R. 6158, Brokered Deposit Affiliate-Subsidiary Modernization Act of 2018 H.R. 6177, Developing and Empowering our Aspiring Leaders Act of 2018 H.R. 6319, Expanding Investment in Small Businesses Act H.R. 6320, Promoting Transparent Standards for Corporate Insiders Act H.R. 6321, Investment Adviser Regulatory Flexibility Improvement Act H.R. 6322, Enhancing Multi-Class Stock Disclosures Act H.R. 6324, Middle Market IPO Underwriting Cost Act S. 366, Taking Account of Institutions with Low Operation Risk (TAILOR) Act of 2017 S. 462, Securities and Exchange Commission Overpayment Credit Act S. 488, Encouraging Employee Ownership Act S. 488, JOBS and Investor Confidence Act of 2018 (House Amendment) S. 536, Cybersecurity Disclosure Act of 2017 S. 1117, Consumer Financial Choice and Capital Markets Protection Act of 2017 S. 1241, Combating Money Laundering, Terrorist Financing, and Counterfeiting Act of 2017 S. 1454, True Incorporation Transparency for Law Enforcement (TITLE) Act S. 1717, Corporate Transparency Act of 2017 S. 1744, Brokaw Act S. 2098, Foreign Investment Risk Review Modernization Act of 2017 S. 2155, Economic Growth, Regulatory Relief, and Consumer Protection Act S. 2499, A bill to require the Financial Industry Regulatory Authority to establish a relief fund to provide investors with the full value of unpaid arbitration awards issued against brokerage firms or brokers regulated by the Authority S. 2756, Fair Investment Opportunities for Professional Experts Act S. 2765, RBIC Advisers Relief Act of 2018 S. 3004, Small Business Audit Correction Act of 2018 S. 3421, Blue Sky Harmonization Act S. 3577, Financial Stability Oversight Council Improvement Act of 2018 S. 3614, Corporate Governance Fairness Act S. J. Res. 57, A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Indirect Auto Lending and Compliance with the Equal Credit Opportunity Act" Draft legislation titled Credit Services Protection Act of 2017 Draft legislation titled Counter Terrorism and Illicit Finance Act Draft legislation titled Data Acquisition and Technology Accountability and Security Act Draft legislation directing the Securities and Exchange Commission to increase and align the smaller reporting company and nonaccelerated filer financial thresholds Draft legislation to remove the limitation on large accelerated filers qualifying as an emerging growth company Draft legislation to require the Securities and Exchange Commission to revise the definition of a qualifying portfolio company to include an emerging growth company, for purposes of the exemption from registration for venture capital fund advisers under the Investment Advisers Act of 1940 Draft legislation to amend the Investment Company Act of 1940 to increase the percentage of voting shares a diversified company may hold in a single issuer Draft legislation on cryptocurrencies Potential legislation similar to H.R. 1090, Retail Investor Protection Act (114th Cong.) Potential legislation similar to H.R. 4294, Strengthening Access to Valuable Education and Retirement Support (SAVERS) Act of 2015 Proposed regulations on universal proxy (81 Fed. Reg. 79,122-79,186, November 10, 2016) Proposed rule on auditor independence with respect to certain loans or debtor-creditor relationships (83 Fed. Reg. 20,753-20,773, May 8, 2018) Proposed regulation on Regulation Best Interest (83 Fed. Reg. 21,574-21,682, May 9, 2018) Proposed Commission interpretation regarding standard of conduct for investment advisers; request for comment on enhancing investment (83 Fed. Reg. 21,203-21,214, May 9, 2018) Proposed rule on form CRS relationship summary; amendments to form ADV; required disclosures in retail communications and restrictions on the use of certain names or titles (83 Fed. Reg. 21,416-21,575, May 9, 2018) Policy to Encourage Trial Disclosure Programs (83 Fed. Reg. 45,574-45,578, September, 10, 2018) Federal Reserve, Office of the Comptroller of the Currency, Federal Deposit Insurance Corporation, Security Exchange Commission, Commodity Futures Trading Commission: Proposed Revisions to Prohibitions and Restrictions on Proprietary Trading and Certain Interests in, and Relationships with, Hedge Funds and Private Equity Funds - Docket No. OCC-2018-0010 (OCC); Docket No. R-1608 (Federal Reserve); RIN 3064-AE67 (FDIC); File Number S7- 14-18 (SEC); RIN 3038-AE72 (CFTC) Proposed changes to applicability thresholds for regulatory capital and liquidity requirements. Docket IDs: OCC-2018--0037 RIN 1557-AE56; Docket No. R-1628 RIN 7100-AF21 Nomination of Kathleen Kraninger to serve as Director of the Bureau of Consumer Financial Protection Nomination of Elad Roisman to serve as a Commissioner of the Securities and Exchange Commission Nomination of Dr. Dino Falaschetti to serve as Director of the Office of Financial Research Nomination of Jelena McWilliams to be Chair of the Federal Deposit Insurance Corporation Nomination of Kimberly Reed to serve as President of the Export-Import Bank of the United States (Ex-Im) Various issues relating to the implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act (P.L. 111-203); implementation of the Jumpstart Our Business Startups Act (P.L. 112-106); implementation of the Economic Growth, Regulatory Relief, and Consumer Protection Act (P.L. 115-174); Executive Order 13772, Core Principles for Regulating the United States Financial System; Presidential Memorandum for the Secretary of the Treasury regarding Orderly Liquidation Authority; Basel III capital standards, bank capital, and liquidity reform; Consumer Financial Protection Bureau (CFPB) transparency and accountability; CFPB regulatory sandbox for disclosures; CFPB reform; anti-money laundering and Bank Secrecy Act (P.L. 91-508) improvements; political spending disclosures; systemic risk regulation and Financial Stability Oversight Council (FSOC) designation of non-bank financial companies; Financial Stability Oversight Council (FSOC) reform; Department of Treasury review of FSOC determination and designation process; Federal Reserve: Enhanced Disclosure of the Models Used in the Federal Reserves Supervisory Stress Test, Docket No. OP-1586; Stress Testing Policy Statement, Docket No. OP-1587; Policy Statement on the Scenario Design Framework for Stress Testing, Docket No. OP-1588; Office of Financial Research transparency and accountability; reform of international standard setting bodies including Financial Stability Board, International Association of Insurance Supervisors and Basel Committee on Banking Supervision; Federal Reserve reform; Federal Reserve proposed guidance on supervisory expectation for boards of directors 2017-16735; proxy voting systems; Security Exchange Commission strategic plan; Security Exchange Commission Rule 701 Form S-8 reforms; Security Exchange Commission conflict mineral rule; Security Exchange Commission pay ratio rule; Security Exchange Commission Advisory Committee on Small and Emerging Companies; Security Exchange Commission request for information regarding standards of conduct for investment advisors and broker-dealers; Security Exchange Commission staff legal bulletin 141 (CF) shareholder proposals; Security Exchange Commission FAST Act (P.L. 114-94) modernization and simplification of regulations S-K file no. S7-08-17; Security Exchange Commission amendments to the Commissioners whistleblower rules file no. S7-16-18; Security Exchange Commission auditor independence with respect to certain loans or debtor-creditor relationships file no. S7-10-18; Security Exchange Commission Staff Legal Bulletin 20 Proxy Voting: Proxy Voting Responsibilities of Investment Advisers and Availability of Exemptions from the Proxy Rules for Proxy Advisory Firms; Security Exchange Commission proposal on the use of derivatives by registered investment companies and business development companies; Security Exchange Commission capital, margin, and segregation requirements for security-based swap dealers and major security-based swap participants and capital requirements for broker-dealers (File No. S7-08-12); Consumer Financial Protection Bureau trial disclosures and no action letter process; Public Company Accounting Oversight Board (PCAOB) draft strategic plan for 2018-2022; Federal Trade Commission competition and consumer protection in the 21st century hearings regarding common ownership; disclosure requirements and materiality; JOBS Act 3.0; Accounting standards developed by the Financial Accounting Standards Board, including the current expected credit loss (CECL) standard; potential legislation to create legal framework for venture exchange; potential legislation on anti-money laundering and Bank Secrecy Act reporting improvements; credit bureau issues; financial technology issues; beneficial ownership; reforms to the Committee on Foreign Investment in the United States; modernization of the Community Reinvestment Act (P.L. 95-128); application of Customer Identification Program requirements under anti-money laundering rules to bank-affiliated premium finance companies; application of the May 2016 Customer Due Diligence Rule to routine cash refunds issued by bank-affiliated premium finance companies; proposals to audit the Board of Governors of the Federal Reserve System; small business lending; impact of prudential regulations on lending to small businesses by depository institutions; CFTC Proposed rulemaking on the De Minimis Exception to the Swap Dealer Definition; HUD proposed rulemaking regarding implementation of the Fair Housing Acts Disparate Impact Standard; Federal Trade Commission concerning Common Ownership; SEC proposed amendments to the Commissions Whistleblower Program rules; blockchain and fintech; adoption of the current expected credit loss accounting standard; proxy process, proxy advisory firms, and other related aspects of corporate governance

Client expense: $15,950,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Army, Dept of (Corps of Engineers), Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Consumer Financial Protection Bureau (CFPB), Council on Environmental Quality (CEQ), Defense, Dept of (DOD), Education, Dept of, Energy, Dept of, Environmental Protection Agency (EPA), Equal Employment Opportunity Commission (EEOC), Executive Office of the President (EOP), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Energy Regulatory Commission (FERC), Federal Reserve System, Federal Trade Commission (FTC), General Services Administration (GSA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Interior, Dept of (DOI), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Economic Council (NEC), Natl Labor Relations Board (NLRB), Natl Security Council (NSC), Natl Telecommunications & Information Administration (NTIA), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), Office of the Vice President of the United States, Patent & Trademark Office (PTO), Pension Benefit Guaranty Corporation (PBGC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Social Security Administration (SSA), State, Dept of (DOS), Transportation Security Administration (TSA), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Copyright Office, U.S. Customs & Border Protection, U.S. Trade Representative (USTR), White House Office

H.R. 879, Flood Insurance Integrity Act of 2017 H.R. 1401, Flood Insurance Fairness Act of 2017 H.R. 1422/S. 563, Flood Insurance Market Parity and Modernization Act H.R. 1423, National Flood Insurance Program Reauthorization and Improvement Act of 2017 H.R. 1558, Repeatedly Flooded Communities Preparation Act H.R. 2246, Taxpayer Exposure Mitigation Act of 2017 H.R. 2565, 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, National Flood Insurance Program Policyholder Protection Act of 2017 H.R. 2874, 21st Century Flood Reform Act H.R. 2875, National Flood Insurance Program Administrative Reform Act of 2017 H.R. 3746, Business of Insurance Regulatory Reform Act of 2017 H.R. 5059, State Insurance Regulation Preservation Act S. 1058, National Flood Insurance Program Consultant Accountability Act of 2017 S. 1313, Flood Insurance Affordability and Sustainability Act of 2017 S. 1368, Sustainable, Affordable, Fair, and Efficient (SAFE) National Flood Insurance Program Reauthorization Act of 2017

Client expense: $15,950,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Army, Dept of (Corps of Engineers), Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Consumer Financial Protection Bureau (CFPB), Council on Environmental Quality (CEQ), Defense, Dept of (DOD), Education, Dept of, Energy, Dept of, Environmental Protection Agency (EPA), Equal Employment Opportunity Commission (EEOC), Executive Office of the President (EOP), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Energy Regulatory Commission (FERC), Federal Reserve System, Federal Trade Commission (FTC), General Services Administration (GSA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Interior, Dept of (DOI), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Economic Council (NEC), Natl Labor Relations Board (NLRB), Natl Security Council (NSC), Natl Telecommunications & Information Administration (NTIA), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), Office of the Vice President of the United States, Patent & Trademark Office (PTO), Pension Benefit Guaranty Corporation (PBGC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Social Security Administration (SSA), State, Dept of (DOS), Transportation Security Administration (TSA), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Copyright Office, U.S. Customs & Border Protection, U.S. Trade Representative (USTR), White House Office

HR 7278 To amend the Employee Retirement Income Security Act of 1974 (Rep. Ron Estes, R-KS) {General Accounts Legislation} HR 5059 - State Insurance Regulation Preservation Act - Overlap of federal examination General Account Legislation - Products are being targeted by plaintiffs' firms seeking to hold insurers liable as fiduciaries under ERISA - which is contrary to the current interpretation of the law. S.3412 Paid Family Leave Pilot Extension Act of 2018 (Sen. Deb Fischer, R- NE) S. 2188, S.2289,S.3744 Consumer data protection & data breach prevention legislation

Client expense: $100,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Financial regulatory reform Implementation of P.L. 115-174, Economic Growth, Regulatory Relief, and Consumer Protection Act H.R. 5059, State Insurance Regulation Preservation Act

Client expense: $1,210,000 · Firm income: Not reported

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Transportation, Dept of (DOT), Treasury, Dept of

Financial regulatory reform Reauthorization of and reforms to the National Flood Insurance Program (NFIP) Disaster mitigation and community resiliency H.R. 3388, SELF DRIVE Act S. 1885, AV START Act Implementation of Pub. Law 115-174, Economic Growth, Regulatory Relief, and Consumer Protection Act S. 3628, National Flood Insurance Program Extension Act H.R. 7187, National Flood Insurance Program Further Extension Act of 2018 H.R. 4460, Disaster Recovery Reform Act H.R. 5059, State Insurance Regulation Preservation Act H.R. 6743, Consumer Information Notification Requirement Act H.R. 302, The Federal Aviation Administration Reauthorization Act of 2018

Client expense: $1,210,000 · Firm income: Not reported

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Transportation, Dept of (DOT), Treasury, Dept of

Financial regulatory reform Implementation of and changes to the Department of Labor (DOL)s Fiduciary Duty Rule Payments technology Reauthorization of and reforms to the National Flood Insurance Program (NFIP) S. 3628, National Flood Insurance Program Extension Act Implementation of P.L. 115-174, Economic Growth, Regulatory Relief, and Consumer Protection Act H.R. 5059, State Insurance Regulation Preservation Act H.R. 7187, National Flood Insurance Program Further Extension Act of 2018 H.R. 6158, Brokered Deposit Affiliate-Subsidiary Modernization Act of 2018 H.R. 6743, Consumer Information Notification Requirement Act

Client expense: $1,210,000 · Firm income: Not reported

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Transportation, Dept of (DOT), Treasury, Dept of

Financial regulatory reform Implementation of and changes to the Department of Labor (DOL)s Fiduciary Duty Rule Payments technology Implementation of P.L. 115-174, Economic Growth, Regulatory Relief, and Consumer Protection Act H.R. 5059, State Insurance Regulation Preservation Act H.R. 6158,Brokered Deposit Affiliate-Subsidiary Modernization Act of 2018 H.R. 6743, Consumer Information Notification Requirement Act

Client expense: $1,210,000 · Firm income: Not reported

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Transportation, Dept of (DOT), Treasury, Dept of

Financial regulatory reform Implementation of and changes to the Department of Labor (DOL)s Fiduciary Duty Rule Implementation of P.L. 115-174, Economic Growth, Regulatory Relief, and Consumer Protection Act H.R. 5059, State Insurance Regulation Preservation Act H.R. 6743, Consumer Information Notification Requirement Act

Client expense: $1,210,000 · Firm income: Not reported

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Transportation, Dept of (DOT), Treasury, Dept of

Federal regulation of homeowners insurance; flood insurance; international insurance; financial regulatory reform; impaired and distracted driving; state workers' compensation programs; data security; H.R.2874, 21st Century Flood Reform Act; H.R.1422, Flood Insurance Market Parity and Modernization Act; S.1368, Sustainable, Affordable, Fair, and Efficient (SAFE) National Flood Insurance Program Reauthorization Act of 2017; H.R.3746, Business of Insurance Regulatory Reform Act of 2017; H.R.3762/H.R.4537, International Insurance Standards Act of 2017; S.2155, Economic Growth, Regulatory Relief, and Consumer Protection Act (P.L.115-174); S.1885, AV START Act; H.R.3388, SELF DRIVE Act; H.R.3861, Federal Insurance Office Reform Act of 2017; H.R.5059, State Insurance Regulation Preservation Act; Implementation of Fair Housing Act's Disparate Impact Standard; S.488, JOBS and Investor Confidence Act of 2018.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Federal Reserve Supervision of Savings and Loan Holding Companies as in the following bill: - State Insurance Regulation Preservation Act (H.R.5059) Dodd-Frank Wall Street Reform and Consumer Protection Act in regards to: - Systemic Risk Designation Asset Manager SIFI Designation as in the following bill: - Financial Stability Oversight Council Improvement Act of 2017 (H.R.4061) FDIC Treatment of Brokered Deposits (H.R.3070) Section 11 of the Home Owners Loan Act Consumer Financial Choice and Capital Markets Protection Act of 2017 (H.R.2319) International Insurance Standards Act of 2017 (H.R.4537) Proxy Advisory Firms/Corporate Governance - Corporate Governance Fairness Act (S.3614) Data Privacy Legislation - Data Care Act of 2018 (S.3744)

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

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

HR 5059 State Insurance Regulation Preservation Act, HR 4885 FAIR RATES Act of 2018 - monitor this bill, HR 3746 Business of Insurance Regulatory Reform Act of 2017, US HR 4537 International Insurance Standards Act of 2017, US HR 4483 Federal Insurance Office Abolishment Act of 2017 - monitor this bill, HR 3861 Federal Insurance Office Reform Act of 2017, HR 3762 International Insurance Standards Act of 2017

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

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)

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

INS - Fourth Quarter Report - 2018 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. 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 S.__ - Draft legislation regarding Federal Reserve Board supervision of insurance companies.

Client expense: $620,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 109 Mortgage Insurance Premium Deductions H.R. 762 Holocaust Era Insurance Policy Claimants Legal Rights H.R. 871 Premiums Paid on Non-cash-value Property H.R. 879 Flood Insurance Rates and Rate Maps H.R. 1321 Up Front Mortgage Premium Reduction Guidance H.R. 1422 Flood Insurance Coverage Requirement H.R. 1423 National Flood Insurance Program S. 258 Holocaust Era Insurance Policies Claimants Rights S. 563 Flood Insurance Coverage Requirement H.R. 1929 National Flood Insurance Program Cost of Compliance H.R. 2170 Agricultural Structure in Special Flood Hazard Zones H.R. 2246 Mandatory Flood Insurance Coverage Requirement H.R. 2868 Flood Insurance Unreasonable Premium Rates Protection H.R. 2874 Flood Insurance Reforms S. 1025 Crop Insurance Federal Spending S. 1058 National Flood Insurance Program Contract Terminations S. 1313 National Flood Insurance Program S. 1360 Insurance Policy Advisory Committee S. 1368 National Flood Insurance Program Reauthorization H.R. 3285 National Flood Insurance Program H.R. 3363 Insurance Uniformity and Reciprocity H.R. 3698 Budget Neutrality and Crop Insurance Providers H.R. 3723 National Flood Insurance Program H.R. 3746 Persons Regulated by a State Insurance Regulator H.R. 3762 State-Based System of Insurance Regulation H.R. 3823 Disaster Tax Relief and Airport and Airway Extension S. 1571 National Flood Insurance Program S. 1773 Budget Neutrality and Crop Insurance H.R. 4154 Flood Insurance Premium Rates H.R. 4159 Collection of Annual Premiums Under the FHA Program H.R. 4483 Department of the Treasury Federal Insurance Office H.R. 4537 State-Based System of Insurance Regulation S. 2090 Flood Mapping Program Reform S. 2091 Relief from Surcharges for Small Business S. 2092 Flood Insurance Agents Continuing Education S. 2093 Authority of FEMA Administrator H.R. 3861 Federal Insurance Office Reform Act H.R. 4885 Auto Insurance Costs And Payout Amounts Disparity H.R. 4905 National Flood Insurance Program Rate Maps H.R. 5059 Insurance Savings and Loan Holding Companies H.R. 5381 Insurance Risk H.R. 5405 Price Loss Coverage Payments S. 2361 Captive Insurance Companies H.R. 5502 Insurance Rates and Income Proxies H.R. 5543 Flood Insurance Expenses Tax Credit H.R. 5559 Preparation of Flood Maps H.R. 5618 National Flood Insurance Program Requirements H.R. 5973 Report on Risk Transfer H.R. 6379 National Flood Insurance Program Extension H.R. 6402 National Flood Insurance Program H.R. 6746 Sustainable Housing Finance System H.R. 1558 Repeatedly Flooded Communities Preparation Act H.R. 2565 Flood Insurance Coverage Premium Rates H.R. 2875 National Flood Insurance Program Administrative Reform Act of 2017 H.R. 6866 Deposit Broker Definition H.R. 7006 Concept of Too Big To Fail H.R. 7133 Captive Insurers Clarification Act H.R. 7187 National Flood Insurance Program Extension H.R. 7200 Wildfires and Hurricanes Indemnity Extension S. 3628 National Flood Insurance Program S. 3670 National Flood Insurance Program S. 3703 National Flood Insurance Program

Client expense: $1,030,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Executive Office of the President (EOP), Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), HOUSE OF REPRESENTATIVES, Natl Credit Union Administration (NCUA), Natl Economic Council (NEC), Natl Security Council (NSC), SENATE, Transportation, Dept of (DOT), Treasury, Dept of, U.S. Trade Representative (USTR)

Issues related to the implementation of S. 2155, Economic Growth, Regulatory Relief, and Consumer Protection Act; capital requirements; asset management; market structure; qualified thrift loan requirements and FDICIA; issues related to brokered deposits; HR 6990 PRIA Act of 2018; HR 5059 State Insurance Regulatory Preservation Act

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Implementation and modification of P.L. 111-203, the Dodd-Frank Wall Street Reform and Consumer Protection Act. P.L. 113-279 and the Insurance Capital Standards Clarification Act of 2014, whose provisions relate to, among other things, capital and accounting standards regulation for insurance-based savings and loan holding companies and insurers. Monitoring development of regulatory reform legislation for banks, and insurers, including reform efforts impacting the thrift charter and treatment of brokered deposits. CHOICE Act, H.R. 10 H.R. 3746 - Business of Insurance Regulatory Reform Act clarifies limitations and exceptions as to jurisdiction of the CFPB in regulating the business of insurance. H.R. 3861 - Federal Insurance Reform Act of 2017, related to the role and responsibilities of the Federal Insurance Office. H.R. 3762 - International Insurance Standards Act of 2017 - related to the process governing U.S. participation in International accords impacting the business of insurance. H.R. 4537, S. 1360 - International Insurance Capital Standards Accountability Act of 2017 H.R. 5059 - State Insurance Regulation Preservation Act. H.R. 6686 - Clarification surrounding treatment of bank deposits generated through exclusive arrangement with independent contractor agents. S. 488 - JOBS 3.0, which contains provisions relating to international agreements impacting insurance. H.R. 6743 - Consumer Information Notification Requirement Act related to amending the Graham-Leach-Bliley Act to create federal data security and breach notification standards for financial institutions. State insurance commissioners would enforce these standards for insurers and the state existing patchwork of state regulations would be preempted.

Client expense: $540,000 · Firm income: Not reported

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE, Securities & Exchange Commission (SEC), Transportation, Dept of (DOT), Treasury, Dept of

Implementation of the Insurance Capital Standards Clarification Act of 2014; provisions related to capital and accounting standards regulation for insurance based savings and loan holding companies; monitoring international regulatory and legislative developments governing insurance and its potential impact; issues relating to consumer lending and cybersecurity; issues relating to the implementation of S. 2155, Economic Growth, Regulatory Relief, and Consumer Protection Act; HR 5059 State Insurance Regulation Preservation Act; brokered deposits

Client expense: Not reported · Firm income: $70,000

Government targets: Federal Deposit Insurance Corporation (FDIC), HOUSE OF REPRESENTATIVES, SENATE

Implementation of the Insurance Capital Standards Clarification Act of 2014; provisions related to capital and accounting standards regulation for insurance based savings and loan holding companies; monitoring international regulatory and legislative developments governing insurance and its potential impact; issues relating to consumer lending and cybersecurity; issues related to the implementation of S. 2155, Economic Growth, Regulatory Relief, and Consumer Protection Act; HR 5059 State Insurance Regulatory Preservation Act; brokered deposits

Client expense: Not reported · Firm income: $70,000

Government targets: Federal Deposit Insurance Corporation (FDIC), HOUSE OF REPRESENTATIVES, SENATE

Regulatory structure for insurance and financial activities, including appropriate role of Federal Insurance Office and Federal Reserve; H.R. 3861, the "Federal Insurance Office Reform Act of 2017;" H.R. 3762 and H.R. 4537, the "International Insurance Standards Act of 2017;" H.R. 5059, the "State Insurance Regulation Preservation Act;" and S.488, the "JOBS and Investor Confidence Act of 2018."

Client expense: Not reported · Firm income: $50,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Regulatory structure for insurance and financial activities, including appropriate role of Federal Insurance Office and Federal Reserve; H.R. 3861, the "Federal Insurance Office Reform Act of 2017;" H.R. 3762 and H.R. 4537, the "International Insurance Standards Act of 2017;" H.R. 5059, the "State Insurance Regulation Preservation Act;" and S.488, the "JOBS and Investor Confidence Act of 2018."

Client expense: Not reported · Firm income: $50,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Financial Technology ("Fintech") H.R. 10, Financial CHOICE Act H.R. 1153, the "Mortgage Choice Act" H.R. 3072, the "Bureau of Consumer Financial Protection Examination and Reporting Threshold Act of 2017" H.R. 4537, the "International Insurance Standards Act of 2017" H.R. 477, the Small Business Mergers, Acquisitions, Sales, and Brokerage Simplification Act of 2017″ HR 3746 -- Business of Insurance Regulatory Reform Act of 2017 HR 4439 -- Modernizing Credit Opportunities Act HR 4545 -- Financial Institutions Examination Fairness and Reform Act HR 4566 -- Alleviating Stress Test Burdens to Help Investors Act HR 4607 -- Comprehensive Regulatory Review Act HR 5323 -- Derivatives Fairness Act Nominations for SEC, CFTC, FDIC S. 1020, the Carried Interest Fairness Act S. 2155 -- Economic Growth, Regulatory Relief, and Consumer Protection Act SEC fiduciary rule Substitute Amendment to S. 2155 Treasury department review of financial regulations Brokaw bill HR 5877 -- Main Street Growth Act Small Business Lending Discrimination HR 5534 Give Useful Information to Define Effective Guidance (GUIDE) Act HR 6743 Consumer Information Notification Requirement Act Nomination of Brett Kavanaugh to US Supreme Court Nomination of Eric Dreiband as AAG at DOJ HR 6972 Consumers First Act S 3503 American Housing and Economic Mobility Act H.R.3555 - Exchange Regulatory Improvement Act H.R.6021 - Small Business Audit Correction Act of 2018 H.R.6177 - Developing and Empowering our Aspiring Leaders Act of 2018 H.R.6319 - Expanding Investment in Small Businesses Act H.R.6322 - Enhancing Multi-Class Stock Disclosures Act H.R.6324 - Middle Market IPO Underwriting Cost Act H.R.6320 - Promoting Transparent Standards for Corporate Insiders Act H.R.6323 - Senior Security Act of 2018 S.488 - JOBS and Investor Confidence Act of 2018 H.R.5059 - State Insurance Regulation Preservation Act H.R.2128 - Due Process Restoration Act of 2017 H.R.6741 - Federal Reserve Reform Act of 2018 H.R.6745 - ACCESS Rural America Act H.R.5381 - GRATER Act of 2018 Interagency rule regarding the implementation of CECL accounting rules Reg BI De minimis exemption is a critical element of the swap dealer rule Whistleblower program Volcker ruke amendments

Client expense: $83,504 · Firm income: Not reported

Government targets: Commodity Futures Trading Commission (CFTC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

H.R. 10, Financial CHOICE Act H.R. 2585, the 21st Century Glass Steagall Act HR 4545 -- Financial Institutions Examination Fairness and Reform Act HR 4566 -- Alleviating Stress Test Burdens to Help Investors Act HR 4607 -- Comprehensive Regulatory Review Act HR 4771 -- Small Bank Holding Company Relief Act of 2018 HR 4790 -- Volcker Rule Regulatory Harmonization Act HR 5323 -- Derivatives Fairness Act Treasury department review of financial regulations H.R.3555 - Exchange Regulatory Improvement Act H.R.6021 - Small Business Audit Correction Act of 2018 H.R.6177 - Developing and Empowering our Aspiring Leaders Act of 2018 H.R.6319 - Expanding Investment in Small Businesses Act H.R.6322 - Enhancing Multi-Class Stock Disclosures Act H.R.6324 - Middle Market IPO Underwriting Cost Act H.R.6320 - Promoting Transparent Standards for Corporate Insiders Act H.R.6323 - Senior Security Act of 2018 S.488 - JOBS and Investor Confidence Act of 2018 H.R.5059 - State Insurance Regulation Preservation Act H.R.2128 - Due Process Restoration Act of 2017 H.R.6741 - Federal Reserve Reform Act of 2018 H.R.6745 - ACCESS Rural America Act H.R.5381 - GRATER Act of 2018 Interagency rule regarding the implementation of CECL accounting rules Reg BI De minimis exemption is a critical element of the swap dealer rule Whistleblower program Volcker rule amendments

Client expense: $83,504 · Firm income: Not reported

Government targets: Commodity Futures Trading Commission (CFTC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

Federal Reserve Supervision of Savings and Loan Holding Companies as in the following bill: - State Insurance Regulation Preservation Act (H.R.5059) Dodd-Frank Wall Street Reform and Consumer Protection Act in regards to: - Systemic Risk Designation Asset Manager SIFI Designation as in the following bill: - Financial Stability Oversight Council Improvement Act of 2017 (H.R.4061) FDIC Treatment of Brokered Deposits Section 11 of the Home Owners Loan Act Consumer Financial Choice and Capital Markets Protection Act of 2017 (H.R.2319) International Insurance Standards Act of 2017 (H.R.4537)

Client expense: $370,000 · Firm income: Not reported

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

HR 4061 - Financial Stability Oversight Council Improvement Act of 2017 - Standards to mitigate risk HR 5059 - State Insurance Regulation Preservation Act - Overlap of federal examination General Account Legislation - Products are being targeted by plaintiffs' firms seeking to hold insurers liable as fiduciaries under ERISA - which is contrary to the current interpretation of the law.

Client expense: $110,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

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. 4537 - International Insurance Standards Act; 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: $130,000 · Firm income: Not reported

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. 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.___ - 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. 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: $430,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 879, Flood Insurance Integrity Act of 2017 H.R. 1401, Flood Insurance Fairness Act of 2017 H.R. 1422/S. 563, Flood Insurance Market Parity and Modernization Act H.R. 1423, National Flood Insurance Program Reauthorization and Improvement Act of 2017 H.R. 1558, Repeatedly Flooded Communities Preparation Act H.R. 2246, Taxpayer Exposure Mitigation Act of 2017 H.R. 2565, 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, National Flood Insurance Program Policyholder Protection Act of 2017 H.R. 2874, 21st Century Flood Reform Act H.R. 2875, National Flood Insurance Program Administrative Reform Act of 2017 H.R. 3746, Business of Insurance Regulatory Reform Act of 2017 H.R. 5059, State Insurance Regulation Preservation Act S. 1058, National Flood Insurance Program Consultant Accountability Act of 2017 S. 1313, Flood Insurance Affordability and Sustainability Act of 2017 S. 1368, Sustainable, Affordable, Fair, and Efficient (SAFE) National Flood Insurance Program Reauthorization Act of 2017

Client expense: $17,560,000 · Firm income: Not reported

Government targets: Agency for Toxic Substances & Disease Registry, Agriculture, Dept of (USDA), Army, Dept of (Corps of Engineers), Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Consumer Financial Protection Bureau (CFPB), Council on Environmental Quality (CEQ), Defense, Dept of (DOD), Education, Dept of, Energy, Dept of, Environmental Protection Agency (EPA), Equal Employment Opportunity Commission (EEOC), Executive Office of the President (EOP), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Energy Regulatory Commission (FERC), Federal Reserve System, Federal Trade Commission (FTC), General Services Administration (GSA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Interior, Dept of (DOI), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Economic Council (NEC), Natl Labor Relations Board (NLRB), Natl Security Council (NSC), Natl Telecommunications & Information Administration (NTIA), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), Office of the Vice President of the United States, Patent & Trademark Office (PTO), Pension Benefit Guaranty Corporation (PBGC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Social Security Administration (SSA), State, Dept of (DOS), Transportation Security Administration (TSA), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Copyright Office, U.S. Customs & Border Protection, U.S. Fish & Wildlife Service (USFWS), U.S. Trade Representative (USTR), White House Office

H.R. 10, Financial CHOICE Act of 2017 H.R. 21/S. 34, Midnight Rules Relief Act of 2017 H.R. 78, SEC Regulatory Accountability Act H.R. 79/S. 588, Helping Angels Lead Our Startups (HALOS) Act H.R. 238, Commodity End-User Relief Act H.R. 477, Small Business Mergers, Acquisitions, Sales, and Brokerage Simplification Act of 2017 H.R. 1116, Taking Account of Institutions with Low Operation Risk (TAILOR) Act of 2017 H.R. 1153, Mortgage Choice Act of 2017 H.R. 1219/S. 444, Supporting America's Innovators Act of 2017 H.R. 1257, Securities and Exchange Commission Overpayment Credit Act H.R. 1312/S. 416, Small Business Capital Formation Enhancement Act H.R. 1343, Encouraging Employee Ownership Act of 2017 H.R. 1457, Making Online Banking Initiation Legal and Easy (MOBILE) Act of 2017 H.R. 1585, Fair Investment Opportunities for Professional Experts Act H.R. 1611, Gender Diversity in Corporate Leadership Act of 2017 H.R. 1645/S. 2126, Fostering Innovation Act of 2017 H.R. 1702, Small Business Development Centers Improvement Act of 2018 H.R. 2128, Due Process Restoration Act of 2017 H.R. 2201, Micro Offering Safe Harbor Act H.R. 2226/S. 2013, Portfolio Lending and Mortgage Access Act H.R. 2396, Privacy Notification Technical Clarification Act H.R. 2553, Taking Account of Bureaucrats Spending (TABS) Act of 2017 H.R. 2706, Financial Institution Customer Protection Act of 2017 H.R. 3089, Corporate Transparency Act of 2017 H.R. 3093, Investor Clarity and Bank Parity Act H.R. 3110, Financial Stability Oversight Council Insurance Member Continuity Act H.R. 3179, Transparency and Accountability for Business Standards Act H.R. 3299, Protecting Consumers' Access to Credit Act of 2017 H.R. 3312/S. 1893, Systemic Risk Designation Improvement Act of 2017 H.R. 3746/S. 2702, Business of Insurance Regulatory Reform Act of 2017 H.R. 3762, International Insurance Standards Act of 2017 H.R. 3857, Protecting Advice for Small Savers (PASS) Act of 2017 H.R. 3860, IRS Data Verification Modernization Act of 2017 H.R. 3903/S. 2347, Encouraging Public Offerings Act of 2017 H.R. 3911, Risk-Based Credit Examination Act H.R. 3948, Protection of Source Code Act H.R. 3972, Family Office Technical Correction Act of 2017 H.R. 3973, Market Data Protection Act of 2017 H.R. 3978, TRID Improvement Act of 2017 H.R. 4015, Corporate Governance Reform and Transparency Act of 2017 H.R. 4061, Financial Stability Oversight Council Improvement Act of 2017 H.R. 4248, To amend the Securities Exchange Act of 1934 to repeal certain disclosure requirements related to conflict minerals, and for other purposes H.R. 4263, Regulation A+ Improvement Act of 2017 H.R. 4267, Small Business Credit Availability Act H.R. 4279, Expanding Investment Opportunities Act H.R. 4281/S. 2953, Expanding Access to Capital for Rural Job Creators Act H.R. 4289, To amend the Dodd-Frank Wall Street Reform and Consumer Protection Act to repeal certain disclosure requirements related to coal and mine safety H.R. 4292, Financial Institution Living Will Improvement Act of 2017 H.R. 4293, Stress Test Improvement Act of 2017 H.R. 4294, Prevention of Private Information Dissemination Act of 2017 H.R. 4296, To place requirements on operational risk capital requirements for banking organizations established by an appropriate Federal banking agency H.R. 4311, Foreign Investment Risk Review Modernization Act of 2017 H.R. 4519, To amend the Securities Exchange Act of 1934 to repeal certain disclosure requirements related to resource extraction, and for other purposes H.R. 4529, Accelerating Access to Capital Act of 2017 H.R. 4537, International Insurance Standards Act of 2017 H.R. 4545, Financial Institutions Examination Fairness and Reform Act H.R. 4550, Practice of Law Technical Clarification Act of 2017 H.R. 4566, Alleviating Stress Test Burdens to Help Investors Act H.R. 4607, Comprehensive Regulatory Review Act H.R. 4659, To require the appropriate Federal banking agencies to recognize the exposure-reducing nature of client margin for cleared derivatives H.R. 4753, Federal Reserve Supervision Testimony Clarification Act H.R. 4771, Small Bank Holding Company Relief Act of 2018 H.R. 4790, Volcker Rule Regulatory Harmonization Act H.R. 4861, Ensuring Quality Unbiased Access to Loans (EQUAL) Act of 2018 H.R. 5036, Financial Technology Protection Act H.R. 5051, Public Company Registration Threshold Act H.R. 5054, Small Company Disclosure Simplification Act of 2018 H.R. 5059, State Insurance Regulation Preservation Act H.R. 5105/S. 2436, Better Utilization of Investments Leading to Development (BUILD) Act of 2018 H.R. 5192/S. 2498, Protecting Children from Identity Theft Act H.R. 5266, Financial Product Safety Commission Act of 2018 H.R. 5323, Derivatives Fairness Act H.R. 5534, Give Useful Information to Define Effective (GUIDE) Compliance Act H.R. 5645, Standard Merger and Acquisition Reviews Through Equal Rules Act of 2018 H.R. 5749, Options Markets Stability Act H.R. 5756, To require the Securities and Exchange Commission to adjust certain resubmission thresholds for shareholder proposals H.R. 5783, Cooperate with Law Enforcement Agencies and Watch Act of 2018 H.R. 5877, Main Street Growth Act H.R. 5970, Simplifying Disclosures for Investors Act H.R. 5999, Streamlining Communications for Investors Act H.R. 6021, Small Business Audit Correction Act of 2018 H.R. 6035, Streamlining Communications for Investors Act H.R. 6068, Counter Terrorism and Illicit Finance Act H.R. 6130, Helping Startups Continue to Grow Act H.R. 6139, Improving Investment Research for Small and Emerging Issuers Act H.R. 6158, Brokered Deposit Affiliate-Subsidiary Modernization Act of 2018 H.R. 6177, Developing and Empowering our Aspiring Leaders Act of 2018 H.R. 6319, Expanding Investment in Small Businesses Act H.R. 6320, Promoting Transparent Standards for Corporate Insiders Act H.R. 6321, Investment Adviser Regulatory Flexibility Improvement Act H.R. 6322, Enhancing Multi-Class Stock Disclosures Act H.R. 6324, Middle Market IPO Underwriting Cost Act S. 366, Taking Account of Institutions with Low Operation Risk (TAILOR) Act of 2017 S. 462, Securities and Exchange Commission Overpayment Credit Act S. 488, JOBS and Investor Confidence Act of 2018 S. 536, Cybersecurity Disclosure Act of 2017 S. 1117, Consumer Financial Choice and Capital Markets Protection Act of 2017 S. 1241, Combating Money Laundering, Terrorist Financing, and Counterfeiting Act of 2017 S. 1454, True Incorporation Transparency for Law Enforcement (TITLE) Act S. 1463, Financial Stability Oversight Council Insurance Member Continuity Act S. 1717, Corporate Transparency Act of 2017 S. 1744, Brokaw Act S. 2098, Foreign Investment Risk Review Modernization Act of 2017 S. 2155, Economic Growth, Regulatory Relief, and Consumer Protection Act S. 2499, A bill to require the Financial Industry Regulatory Authority to establish a relief fund to provide investors with the full value of unpaid arbitration awards issued against brokerage firms or brokers regulated by the Authority S. 2756, Fair Investment Opportunities for Professional Experts Act S. 2765, RBIC Advisers Relief Act of 2018 S. 3004, Small Business Audit Correction Act of 2018 S. 3421, Blue Sky Harmonization Act S. J. Res. 57, A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Indirect Auto Lending and Compliance with the Equal Credit Opportunity Act" Draft legislation titled Credit Services Protection Act of 2017 Draft legislation titled Counter Terrorism and Illicit Finance Act Draft legislation titled Data Acquisition and Technology Accountability and Security Act Draft legislation directing the Securities and Exchange Commission to increase and align the smaller reporting company and nonaccelerated filer financial thresholds Draft legislation to remove the limitation on large accelerated filers qualifying as an emerging growth company Draft legislation to require the Securities and Exchange Commission to revise the definition of a qualifying portfolio company to include an emerging growth company, for purposes of the exemption from registration for venture capital fund advisers under the Investment Advisers Act of 1940 Draft legislation to amend the Investment Company Act of 1940 to increase the percentage of voting shares a diversified company may hold in a single issuer Potential legislation similar to H.R. 1090, Retail Investor Protection Act (114th Cong.) Potential legislation similar to H.R. 4294, Strengthening Access to Valuable Education and Retirement Support (SAVERS) Act of 2015 Proposed regulations on universal proxy (81 Fed. Reg. 79,122-79,186, November 10, 2016) Proposed rule on auditor independence with respect to certain loans or debtor-creditor relationships (83 Fed. Reg. 20,753-20,773, May 8, 2018) Proposed regulation on Regulation Best Interest (83 Fed. Reg. 21,574-21,682, May 9, 2018) Proposed Commission interpretation regarding standard of conduct for investment advisers; request for comment on enhancing investment (83 Fed. Reg. 21,203-21,214, May 9, 2018) Proposed rule on form CRS relationship summary; amendments to form ADV; required disclosures in retail communications and restrictions on the use of certain names or titles (83 Fed. Reg. 21,416-21,575, May 9, 2018) Federal Reserve and the Office of the Comptroller of the Currency; Joint Notice of Proposed Rulemaking: Regulatory Capital Rules: Regulatory Capital, Enhanced Supplementary Leverage Ratio Standards for U.S. Global Systemically Important Bank Holding Companies and Certain of Their Subsidiary Insured Depository Institutions; Total Loss-Absorbing Capacity Requirements for U.S. Global Systemically Important Bank Holding Companies; Federal Reserve System Docket No. R-1604 and OCC Docket ID OCC-2018-0002 Nomination of Kathleen Kraninger to serve as Director of the Bureau of Consumer Financial Protection Nomination of Elad Roisman to serve as a Commissioner of the Securities and Exchange Commission Nomination of Dr. Dino Falaschetti to serve as Director of the Office of Financial Research Nomination of Jelena McWilliams to be Chair of the Federal Deposit Insurance Corporation Nomination of Kimberly Reed to serve as President of the Export-Import Bank of the United States (Ex-Im) Various issues relating to the implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act (P.L. 111-203); implementation of the Jumpstart Our Business Startups Act (P.L. 112-106); implementation of the Economic Growth, Regulatory Relief, and Consumer Protection Act (P.L. 115-174, section 215); Executive Order 13772, Core Principles for Regulating the United States Financial System; Presidential Memorandum for the Secretary of the Treasury regarding Orderly Liquidation Authority; Basel III capital standards, bank capital, and liquidity reform; Consumer Financial Protection Bureau (CFPB) transparency and accountability; CFPB regulatory sandbox for disclosures; CFPB consumer complaint database; CFPB reform; anti-money laundering and Bank Secrecy Act (P.L. 91-508) improvements; political spending disclosures; systemic risk regulation and Financial Stability Oversight Council (FSOC) designation of non-bank financial companies; Financial Stability Oversight Council (FSOC) reform; Department of Treasury review of FSOC determination and designation process; Federal Reserve: Enhanced Disclosure of the Models Used in the Federal Reserves Supervisory Stress Test, Docket No. OP-1586; Stress Testing Policy Statement, Docket No. OP-1587; Policy Statement on the Scenario Design Framework for Stress Testing, Docket No. OP-1588; Office of Financial Research transparency and accountability; reform of international standard setting bodies including Financial Stability Board, International Association of Insurance Supervisors and Basel Committee on Banking Supervision; Federal Reserve reform; Federal Reserve proposed guidance on supervisory expectation for boards of directors 2017-16735; proxy voting systems; Security Exchange Commission strategic plan; Security Exchange Commission Rule 701 Form S-8 reforms; Security Exchange Commission conflict mineral rule; Security Exchange Commission pay ratio rule; Security Exchange Commission Advisory Committee on Small and Emerging Companies; Security Exchange Commission request for information regarding standards of conduct for investment advisors and broker-dealers; Security Exchange Commission staff legal bulletin 141 (CF) shareholder proposals; Security Exchange Commission FAST Act (P.L. 114-94) modernization and simplification of regulations S-K file no. S7-08-17; Security Exchange Commission amendments to the Commissioners whistleblower rules file no. S7-16-18; Security Exchange Commission auditor independence with respect to certain loans or debtor-creditor relationships file no. S7-10-18; Security Exchange Commission Staff Legal Bulletin 20 Proxy Voting: Proxy Voting Responsibilities of Investment Advisers and Availability of Exemptions from the Proxy Rules for Proxy Advisory Firms; Security Exchange Commission proposal on the use of derivatives by registered investment companies and business development companies; Security Exchange Commission standards of conduct for investment advisers and broker-dealers; Public Company Accounting Oversight Board (PCAOB), including draft strategic plan for 2018-2022; Federal Trade Commission competition and consumer protection in the 21st century hearings regarding common ownership; disclosure requirements and materiality; JOBS Act 3.0; potential legislation to create legal framework for venture exchange; credit bureau issues; tailoring bank rules to reduce the burden on small, midsize, and regional banks; beneficial ownership; reforms to the Committee on Foreign Investment in the United States; modernization of the Community Reinvestment Act (P.L. 95-128); application of Customer Identification Program requirements under anti-money laundering rules to bank-affiliated premium finance companies; application of the May 2016 Customer Due Diligence Rule to routine cash refunds issued by bank-affiliated premium finance companies; proposals to audit the Board of Governors of the Federal Reserve System; small business lending; consolidated asset thresholds related to the Advanced Approaches capital framework, the net stable fund ratio rule, and the liquidity coverage ratio rule; impact of prudential regulations on lending to small businesses by depository institutions; testimony by the Vice Chairman for Supervision, Federal Reserve Board, to the House Committee on Financial Services and the Senate Committee on Banking, Housing, and Urban Affairs; CFTC Proposed rulemaking on the De Minimis Exception to the Swap Dealer Definition; HUD proposed rulemaking regarding implementation of the Fair Housing Acts Disparate Impact Standard; Federal Trade Commission concerning Common Ownership; SEC proposed amendments to the Commissions Whistleblower Program rules; blockchain and fintech

Client expense: $17,560,000 · Firm income: Not reported

Government targets: Agency for Toxic Substances & Disease Registry, Agriculture, Dept of (USDA), Army, Dept of (Corps of Engineers), Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Consumer Financial Protection Bureau (CFPB), Council on Environmental Quality (CEQ), Defense, Dept of (DOD), Education, Dept of, Energy, Dept of, Environmental Protection Agency (EPA), Equal Employment Opportunity Commission (EEOC), Executive Office of the President (EOP), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Energy Regulatory Commission (FERC), Federal Reserve System, Federal Trade Commission (FTC), General Services Administration (GSA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Interior, Dept of (DOI), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Economic Council (NEC), Natl Labor Relations Board (NLRB), Natl Security Council (NSC), Natl Telecommunications & Information Administration (NTIA), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), Office of the Vice President of the United States, Patent & Trademark Office (PTO), Pension Benefit Guaranty Corporation (PBGC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Social Security Administration (SSA), State, Dept of (DOS), Transportation Security Administration (TSA), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Copyright Office, U.S. Customs & Border Protection, U.S. Fish & Wildlife Service (USFWS), U.S. Trade Representative (USTR), White House Office

Federal regulation of homeowners insurance; flood insurance; international insurance; financial regulatory reform; impaired and distracted driving; state workers' compensation programs; data security; H.R.2874, 21st Century Flood Reform Act; H.R.1422, Flood Insurance Market Parity and Modernization Act; S.1368, Sustainable, Affordable, Fair, and Efficient (SAFE) National Flood Insurance Program Reauthorization Act of 2017; H.R.3746, Business of Insurance Regulatory Reform Act of 2017; H.R.3762/H.R.4537, International Insurance Standards Act of 2017; S.2155, Economic Growth, Regulatory Relief, and Consumer Protection Act (P.L.115-174); S.1885, AV START Act; H.R.3388, SELF DRIVE Act; H.R.3861, Federal Insurance Office Reform Act of 2017; H.R.5059, State Insurance Regulation Preservation Act; Implementation of Fair Housing Act's Disparate Impact Standard; S.488, JOBS and Investor Confidence Act of 2018.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 109 Mortgage Insurance Premium Deductions H.R. 762 Holocaust Era Insurance Policy Claimants Legal Rights H.R. 871 Premiums Paid on Non-cash-value Property H.R. 879 Flood Insurance Rates and Rate Maps H.R. 1321 Up Front Mortgage Premium Reduction Guidance H.R. 1422 Flood Insurance Coverage Requirement H.R. 1423 National Flood Insurance Program S. 258 Holocaust Era Insurance Policies Claimants Rights S. 563 Flood Insurance Coverage Requirement H.R. 1929 National Flood Insurance Program Cost of Compliance H.R. 2170 Agricultural Structure in Special Flood Hazard Zones H.R. 2246 Mandatory Flood Insurance Coverage Requirement H.R. 2868 Flood Insurance Unreasonable Premium Rates Protection H.R. 2874 Flood Insurance Reforms S. 1025 Crop Insurance Federal Spending S. 1058 National Flood Insurance Program Contract Terminations S. 1313 National Flood Insurance Program S. 1360 Insurance Policy Advisory Committee S. 1368 National Flood Insurance Program Reauthorization H.R. 3285 National Flood Insurance Program H.R. 3363 Insurance Uniformity and Reciprocity H.R. 3698 Budget Neutrality and Crop Insurance Providers H.R. 3723 National Flood Insurance Program H.R. 3746 Persons Regulated by a State Insurance Regulator H.R. 3762 State-Based System of Insurance Regulation H.R. 3823 Disaster Tax Relief and Airport and Airway Extension S. 1571 National Flood Insurance Program S. 1773 Budget Neutrality and Crop Insurance H.R. 4154 Flood Insurance Premium Rates H.R. 4159 Collection of Annual Premiums Under the FHA Program H.R. 4483 Department of the Treasury Federal Insurance Office H.R. 4537 State-Based System of Insurance Regulation S. 2090 Flood Mapping Program Reform S. 2091 Relief from Surcharges for Small Business S. 2092 Flood Insurance Agents Continuing Education S. 2093 Authority of FEMA Administrator H.R. 3861 Federal Insurance Office Reform Act H.R. 4885 Auto Insurance Costs And Payout Amounts Disparity H.R. 4905 National Flood Insurance Program Rate Maps H.R. 5059 Insurance Savings and Loan Holding Companies H.R. 5381 Insurance Risk H.R. 5405 Price Loss Coverage Payments S. 2361 Captive Insurance Companies H.R. 5502 Insurance Rates and Income Proxies H.R. 5543 Flood Insurance Expenses Tax Credit H.R. 5559 Preparation of Flood Maps H.R. 5618 National Flood Insurance Program Requirements H.R. 5973 Report on Risk Transfer H.R. 6379 National Flood Insurance Program Extension H.R. 6402 National Flood Insurance Program H.R. 6746 Sustainable Housing Finance System H.R. 1558 Repeatedly Flooded Communities Preparation Act H.R. 2565 Flood Insurance Coverage Premium Rates H.R. 2875 National Flood Insurance Program Administrative Reform Act of 2017

Client expense: $1,070,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Executive Office of the President (EOP), Federal Emergency Management Agency (FEMA), HOUSE OF REPRESENTATIVES, Natl Economic Council (NEC), Natl Security Council (NSC), SENATE, Transportation, Dept of (DOT), Treasury, Dept of, U.S. Trade Representative (USTR)

Implementation and modification of P.L. 111-203, the Dodd-Frank Wall Street Reform and Consumer Protection Act. P.L. 113-279 and the Insurance Capital Standards Clarification Act of 2014, whose provisions relate to, among other things, capital and accounting standards regulation for insurance-based savings and loan holding companies under the Collins Amendment of the Dodd-Frank Act, as well as incentive-based compensation. Monitoring development of regulatory reform legislation for banks, including reform efforts impacting the thrift charter and treatment of brokered deposits. CHOICE Act, H.R. 10 H.R. 3746 - Business of Insurance Regulatory Reform Act clarifies limitations and exceptions as to jurisdiction of the CFPB in regulating the business of insurance. H.R. 3861 - Federal Insurance Reform Act of 2017, related to the role and responsibilities of the Federal Insurance Office. H.R. 3762 - International Insurance Standards Act of 2017 - related to the process governing U.S. participation in International accords impacting the business of insurance. H.R. 4537, S. 1360 - International Insurance Capital Standards Accountability Act of 2017 S. 2155 - The Economic Growth, Regulatory Relief and Consumer Protection Act. H.R. 5059 - State Insurance Regulation Preservation Act. H.R. 6686 - Clarification surrounding treatment of bank deposits generated through exclusive arrangement with independent contractor agents. H.R. 6743 - Consumer Information Notification Requirement Act related to amending the Graham-Leach-Bliley Act to create federal data security and breach notification standards for financial institutions. State insurance commissioners would enforce these standards for insurers and the state existing patchwork of state regulations would be preempted.

Client expense: $280,870 · Firm income: Not reported

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE, Securities & Exchange Commission (SEC), Transportation, Dept of (DOT), Treasury, Dept of

HR 5059 State Insurance Regulation Preservation Act, HR 4885 FAIR RATES Act of 2018 - monitor this bill, HR 3746 Business of Insurance Regulatory Reform Act of 2017, US HR 4537 International Insurance Standards Act of 2017, US HR 4483 Federal Insurance Office Abolishment Act of 2017 - monitor this bill, HR 3861 Federal Insurance Office Reform Act of 2017, HR 3762 International Insurance Standards Act of 2017

Client expense: $50,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Financial regulatory reform including issues addressing structural changes to the Consumer Financial Protection Bureau (CFPB), interchange fees, Volcker Rule, mortgage finance reform, credit and debit products, and capital standards Implementation of and changes to the Department of Labor (DOL)s Fiduciary Duty Rule Implementation of Pub. Law 115-174, Economic Growth, Regulatory Relief, and Consumer Protection Act H.R. 5059, State Insurance Regulation Preservation Act H.R. 6743, Consumer Information Notification Requirement Act

Client expense: $730,000 · Firm income: Not reported

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Transportation, Dept of (DOT), Treasury, Dept of