Preventing Credit Score Discrimination in Auto Insurance Act

General Issues related to the use of credit scoring and other non-driving data in the underwriting of auto insurance; H.R.1756 To amend the Fair Credit Reporting Act to prohibit the use of consumer reports and consumer information in making any determination involving auto insurance with respect to a consumer, and for other purposes; H.R. 2684, the FAIR Rates Act; Draft Legislation - the FAIR Study Act; H.R. 133, Consolidating Appropriations Act, 2021.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R.1756 To amend the Fair Credit Reporting Act to prohibit the use of consumer reports and consumer information in making any determination involving auto insurance with respect to a consumer, and for other purposes; H.R. 2684, the FAIR Rates Act; Draft Legislation - the FAIR Study Act; H.R. 133, Consolidating Appropriations Act, 2021.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Federal regulation of homeowners insurance; flood insurance; international insurance; financial regulatory reform; state workers' compensation programs; Fair Housing Act's Disparate Impact Standard; data security requirements; auto insurance consumer reports; auto insurance rate income proxies; motor vehicle safety and impaired driving; marijuana impairment standard; marijuana/TRIA; COVID-19 related insurance legislation; business interruption insurance; Business Continuity Protection Program; DOJ consent decrees; H.R.1595, SAFE Banking Act of 2019; H.R.3111, National Flood Insurance Program Administrative Reform Act of 2019; H.R.3167, National Flood Insurance Program Reauthorization Act of 2019; H.R.1756, Preventing Credit Score Discrimination in Auto Insurance Act; H.R.3693, Prohibit Auto Insurance Discrimination Act; Appropriations for Fiscal Year 2021 (no specific bill numbers); H.R.748, CARES Act (P.L.116-136) and advise client on nature and status of various COVID-19 legislative proposals; H.R.6494, Business Interruption Insurance Coverage Act of 2020; H.R.6497, Never Again Small Business Protection Act of 2020; H.R.7011, Pandemic Risk Insurance Act of 2020; S.4755, A bill to prohibit private passenger automobile insurers from using certain income proxies to determine insurance rates and eligibility.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HR 469 Using replacement cost value to determine premium rates for flood insurance; HR 470 Repeal mandatory flood insurance for commercial properties; HR 471 The Taxpayer Exposure Mitigation Act, requires the NFIP to purchase reinsurance; HR 472 The Community Mapping Act, allows communities to develop alternative flood insurance rate maps; HR 830 The Flood Insurance for Farmers Act, allows for repair and construction of structures within flood zones; HR 342 & HR 2318, The FIRM IT Act of 2019, seeks to improve mapping for the NFIP; HR 1666, allows for private flood insurance to meet continuous coverage requirements; HR 2578, the NFIP Extension Act of 2019, HR 3111 NFIP Administrative Reform Act of 2019; HR 3146 Fair Flood Insurance Act of 2019, which provides for monthly installment payments; HR 3167 NFIP Re-authorization Act of 2019; HR 3258 Flood Insurance Integrity Act of 2019; HR 3872/S 2187 NFIP Re-authorization and Reform Act of 2019; S 1144 Flood Insurance Rate Map Interagency Technology Act; S 1520 NFIP Extension Act of 2019; and S 1533 NFIP Extension Act . We are monitoring all legislation impacting the National Flood Insurance Program to insure that the program remains available and affordable for our customers. HR 1595 & S 1200 The SAFE Banking Act; also HR 4074 and S 1200 The CLAIM Act - Monitor efforts to facilitate financial services to legal cannabis-related businesses HR 1756 - The Preventing Credit Score Discrimination in Auto Insurance Act; S 4755 a bill to prohibit auto insurers from using certain income proxies; Monitoring these bill which could impact insurance underwriting HR 6494 Business Interruption Insurance Coverage Act of 2020; oppose HR 6497 Never Again Small Business Protection Act; oppose HR 7011 Pandemic Risk Insurance Act; concerns with requiring insurance coverage for uninsurable events like pandemics HR 7412 Business Interruption Relief Act; oppose S 4325 Business of Insurance Regulatory Reform Act - support this bill which deals with the CFPB authority to regulate insurance

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S.1144: improve mapping under the NFIP HR 470: Repeal of Mandatory Flood Insurance Coverage for Commercial Properties H.R.2318: improve mapping under the NFIP, and for other purposes. HR472: Community Mapping Act HR 471: Taxpayer Exposure Mitigation Act/Reinsurance HR 469: To require the use of replacement cost value in determining the premium rates for flood insurance coverage under the NFIP H.R. 1756: Preventing Credit Score Discrimination in Auto Insurance S. 1298 Primary Regulators of Insurance Vote Act (PRIVA Act) of 2019 H.R. 3622: Restoring Unfairly Impaired Credit and Protecting Consumers Act Issues relating to the implementation off the National Association of Registered Agents and Brokers (NARAB) Issues relating to Diversity & Inclusion, Disparate Impact Issues relating to U.S. and international insurance capital standards Issues relating to the Federal Insurance Office Issues relating to the re-authorization and reform for the NFIP HR 3623 Climate Risk Disclosure Act of 2019 HR 3624 Outsourcing Accountability Act HR 3629 Clarify Credit Score Formation Act of 2019 HR 3693 Prohibit Auto Insurance Discrimination Act (Watson-Coleman) S 2201 Clarifying Law Around Insurance of Marijuana (Claim Act) HR 1595 Safe Banking Act HR 4592 International Insurance Standards Act of 2019 HR 3111 National Flood Insurance Program Administrative Reform Act of 2019 HR 3167 National Flood Insurance Program Re-authorization Act of 2019 S 2187 National Flood Insurance Program Re-authorization and Reform Act of 2019 HR 5776 Repeatedly Flooded Communities Preparation Act H.R.6494 - Business Interruption Insurance Coverage Act of 2020 H.R.7011 - Pandemic Risk Insurance Act of 2020 H.R.6497 Never Again Small Business Protection Act of 2020 H.R. 7412, the Business Interruption Relief Act of 2020

Client expense: $800,000 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), Commerce, Dept of (DOC), Consumer Financial Protection Bureau (CFPB), Federal Aviation Administration (FAA), Federal Communications Commission (FCC), Federal Emergency Management Agency (FEMA), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Highway Traffic Safety Administration (NHTSA), Office of Management & Budget (OMB), SENATE, Securities & Exchange Commission (SEC), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Trade Representative (USTR)

-Financial Services reform legislation regarding provisions affecting the regulation of insurance products and companies. -Issues related to implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act. -Issues related to international capital standards for insurance. -Issues related to Financial Stability Board oversight. -Issues related to House Financial Services. -Credit scores for auto insurance, HR 1756. -GSE reform/Federal Housing Finance Agency (FHFA) pilot programs. -Corporate governance (Environmental, Social, and Government investing). -Terrorism Risk Insurance Act (TRIA) reauthorization. -HUD Disparate Impact rule. -US International Development Finance Corporation (DFC). -Fintech/Insure Tech issues. -Risk-retention groups. -Issues related to the International Insurance Standards Act (HR 4592).

Client expense: $990,000 · Firm income: Not reported

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

PL-141-1 TRIA/NARAB II Implementation HFIAA (Homeowner Flood Insurance Affordability Act) Implementation HR 1666- to allow for continuous coverage of the NFIP (all provisions) HR 469- replacement cost coverage in NFIP (all provisions) HR 470- NFIP Mandatory Purchase Repeal for Commercial Properties (all provisions) HR 471- Taxpayer Exposure Mitigation Act (all provisions) HR 472- Community Mapping Act (all provisions) HR 1595- Safe Banking Act (insurance provisions) HR 1862- FIO Elimination Act (all provisions) HR 1756- Auto Insurance Credit Score Prohibition (all provisions) S 1028- Strengthening the Tenth Amendment Through Entrusting States Act (all provisions) S 1200- Secure and Fair Enforcement Banking Act (insurance provisions) HR 2513- Corporate Transparency Act (all provisions) S. 2187 - National Flood Insurance Program Reauthorization & Reform Act (all provisions) S. 2201/HR 4074- CLAIM Act (all provisions) S 1889- TITLE Act (All provisions) HR 4523- Expansion of Federal Liability Risk Retention Act (all provisions) HR 4592- International Insurance Standards Act of 2019 (all provisions) S. 2563- Illicit Cash Act (all provisions) S. 2614 - Workforce Mobility Act (all provisions) HR 4037 - CLAIM Act (all provisions) S. 2968- Consumer Online Privacy Rights Act (all provisions) HR 2013 - Information Transparency & Personal Data Control Act (all provisions) Draft Fitzpatrick Business Interruption Legislation (all provisions) H.R.7011 - To establish a Pandemic Risk Reinsurance Program H.R.6497 - Never Again Small Business Protection Act of 2020 H.R.6494 - Business Interruption Insurance Coverage Act of 2020 H.R. 7412, the Business Interruption Relief Act of 2020 S.4755 - A bill to prohibit private passenger automobile insurers from using certain income proxies to determine insurance rates and eligibility. Draft COVID-19 Business and Employee Continuity Recovery Fund Draft Business Continuity Protection Program H.R. 8616- Build for Future Disasters Act H.R.8696 - Securing a Strong Retirement Act of 2020 H.R.6395 - National Defense Authorization Act for Fiscal Year 2021 (Beneficial Ownership Provisions)

Client expense: $170,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Farm Credit Administration, Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), Federal Highway Administration (FHA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Housing & Urban Development, Dept of (HUD), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), Natl Economic Council (NEC), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), SENATE, Small Business Administration (SBA), Treasury, Dept of

"Discussions related to the Federal Insurance Office H.R. 2093, STATES Act, all provisions H.R. 1595, SAFE Banking Act of 2019, all provisions - monitoring these bills H.R. 2684, FAIR RATES Act of 2019, all provisions - monitoring this bill H.R. 1756, the ""Preventing Credit Score Discrimination in Auto Insurance Act."" - monitoring this bill H.R. 6497: Never Again Small Business Protection Act - we oppose this bill H.R. 6494: Business Interruption Insurance Coverage Act of 2020' - we oppose this bill H.R. 7412, the Business Interruption Relief Act of 2020, - we oppose this bill H.R. 7011: The Pandemic Risk Insurance Act of 2020 - monitoring this bill S 4325: ""Business of Insurance Regulatory Reform Act"" - support this bill "

Client expense: $35,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to insurance regulation - both domestic and internationally, including H.R. 1756 - Preventing Credit Score Discrimination in Auto Insurance Act. Issues related to flood insurance, including H.R. 3111, the National Flood Insurance Program Administration Reform Act of 2019 and H.R. 3167, the National Flood Insurance Program Reauthorization Act of 2019

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

The Protecting Your Credit Score Act of 2019 (H.R. 5332) and the Preventing Credit Score Discrimination in Auto Insurance Act (H.R. 1756) as they relate to factors used in insurance underwriting. H.R. 3621, the Comprehensive CREDIT Act of 2020, and proposed amendment by Rep. Jackson Lee related to GAO study for credit scores and insurance. Discussed generally underwriting factors governing the business of insurance. Discussed the idea of a Federal Trade Commission study on the rising price and competitive landscape of automobile repair parts. H.R. 1595/S.1200, the SAFE Banking Act, cannabis legislation related to insurance and banking issues. Discussed generally the impact of climate risk on the business of insurance. Congressional efforts to better understand commercial use of artificial intelligence and its impact on consumers. The following bills as they relate to business interruption and pandemic insurance: 1) H.R.6494 - 116th Congress (2019-2020) Business Interruption Insurance Coverage Act of 2020; 2. H.R.7412 - 116th Congress (2019-2020); 3. H.R.7394 - 116th Congress (2019-2020); 4. H.R.6497 - 116th Congress (2019-2020) Never Again Small Business Protection Act of 2020; 6. H.R.6983 - 116th Congress (2019-2020) Pandemic Risk Insurance Act of 2020; 7. H.R.7011 - 116th Congress (2019-2020) Pandemic Risk Insurance Act of 2020; 8. H.R.748 (Pub. Law. No. 116-136) - 116th Congress (2019-2020) CARES Act; 9. S.3548 - 116th Congress (2019-2020) CARES Act.

Client expense: $300,000 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE, Securities & Exchange Commission (SEC), Transportation, Dept of (DOT), Treasury, Dept of

H.R. 1756 - To amend the Fair Credit Reporting Act to prohibit the use of consumer reports and consumer information in making any determination involving auto insurance with respect to a consumer, and for other purposes (Rashida Tlaib, D-MI-13) H.R.514 - To direct the Secretary of Transportation to prescribe a motor vehicle safety standard requiring motor vehicles to be equipped with an ignition interlock device that prevents a vehicle from being operated if the operator is intoxicated (Debbie Dingell, D-MI) H.R.1374 - To direct the Secretary of Transportation to issue regulations relating to commercial motor vehicle drivers under the age of 21, and for other purposes (Trey Hollingsworth, R-IN-9) S.665 - A bill to reduce the number of preventable deaths and injuries caused by underride crashes, to improve motor carrier and passenger motor vehicle safety, and for other purposes (Kirsten Gillibrand, D-NY) H.R.1511 - Stop Underrides Act - To reduce the number of preventable deaths and injuries caused by underride crashes, to improve motor carrier and passenger motor vehicle safety, and for other purposes (Steve Cohen, D-TN-9) H.R.3293 - Collision Avoidance Systems Act of 2019 - To amend title 49, United States Code, to permit the installation of pulsating light systems for high mounted stop lamps, and for other purposes (Eliot Engel, D-NY-16) H.R.2416 - To amend title 23, United States Code, to require the Secretary of Transportation to provide States applying for distracted driving grants an explanation of the eligibility decision with respect to such State, and for other purposes (Raja Krishnamoorthi, D-IL-8) H.R.2510 - To establish a voluntary program in the National Highway Traffic Safety Administration to encourage consumers to purchase or lease new automobiles made in the United States, and for other purposes (Rashida Tlaib, D-MI-13) S.1254 - A bill to require the Secretary of Transportation to review and report on certain laws, safety measures, and technologies relating to the illegal passing of school buses, and for other purposes (Todd Young, R-IN) H.R.2542 - To direct the Secretary of Transportation to make grants for the operation of a clearinghouse to collect, conduct, and fund research on the influences of highly automated vehicles on land use, urban design, transportation, real estate, and municipal budgets, and for other purposes (Earl Blumenauer, D-OR-3) H.R.3011 - End Drunk Driving Act of 2019 - To improve the safety of individuals by taking measures to end drunk driving (Kathleen Rice, D-NY-4) H.R.3159 - To amend title 23, United States Code, to create a pilot program concerning drugged driving prevention, and for other purposes (Carol Miller, R-WV-3) S.2033 - A bill to require the Secretary of Transportation to promulgate standards and regulations requiring all new commercial motor vehicles to be equipped with technology to limit maximum operating speed, to require existing speed-limiting technologies already installed in certain commercial motor vehicles to be used while in operation, and to require that maximum safe operating speed of commercial motor vehicles shall not exceed 65 miles per hour (Johnny Isakson, R-GA) H.R.3593 - To require the Secretary of Transportation to issue a rule requiring all new passenger motor vehicles to be equipped with a child safety alert system, and for other purposes (Tim Ryan, D-OH-13) S.2302 - America's Transportation Infrastructure Act of 2019 (John Barrasso, R-WY) H.R.3888 - To require the Administrator of the National Highway Traffic Safety Administration to conduct a study on motor vehicle safety and impaired driving, and for other purposes (Cathy McMorris Rodgers (R-WA-5) H.R.3890 - To require the Secretary of Transportation to provide funds to address motor vehicle safety and impaired driving, and for other purposes (Larry Bucshon, R-IN-8) S.2182 - A bill to protect consumers from security and privacy threats to their motor vehicles, and for other purposes (Ed Markey, D-MA) H.R.3888 - Impaired Driving Study Act of 2019 (Cathy McMorris Rodgers, R-WA-5) H.R.3890 - Combatting Impaired Driving Act of 2019 (Larry Bucshon, R-IN-8) H.R.3773 - To direct the Secretary of Transportation to prescribe a motor vehicle safety standard requiring new commercial motor vehicles to be equipped with an automatic emergency braking system, to require automatic emergency braking installed in commercial motor vehicles to be used while in operation, and for other purposes (Hank Johnson, D-GA-4) H.R.3628 - To require motor carriers to mitigate hardships due to unwarranted and excessive passenger delays and to assess fines to bolster motor carriers' accountability to consumers, and for other purposes (Bennie Thompson, D-MS-2) H.R.3612 - To repeal a section of the FAST Act, and for other purposes (Colin Allred, D-TX-32) H.R.3593 - Hot Cars Act of 2019 (Tim Ryan, D-OH-13) S.1601 - Helping Overcome Trauma for Children Alone in Rear Seats Act of 2019 (Roger Wicker, R-MS) H.R.4311 - End Discriminatory State Taxes for Automobile Renters Act of 2019 (Steve Cohen, D-TN-9) H.R.4354 - To direct the Secretary of Transportation to prescribe a motor vehicle safety standard requiring motor vehicles to be equipped with an advanced alcohol detection device that prevents a vehicle from being operated if the operator is intoxicated, to provide for a fleet demonstration of such devices, and for other purposes (Debbie Dingell, D-MI-12) H.R.3145 - Protecting Americans from the Risks of Keyless Ignition Technology Act (Janice Schakowsky, D-IL-9) H.R.3781 - Improving National Safety by Updating the Required Amount of Insurance Needed by Commercial Motor Vehicles per Event (INSURANCE) Act of 2019 (Jesus Chuy Garcia, D-IL-4) S.2604 - A bill to require the Administrator of the National Highway Traffic Safety Administration to work with vehicle manufacturers, suppliers, and other interested parties to advance the technology developed by the Driver Alcohol Detection System for Safety Research Program, and for other purposes (Tom Udall, D-NM) S.2611 - A bill to amend title 49, United States Code, to modify the definition of commercial motor vehicle, and for other purposes (Kirsten Gillibrand, D-NY) H.R.4697 - To amend title 49, United States Code, to modify the definition of commercial motor vehicle, and for other purposes (Antonio Delgado, D-NY-19) S.2605 - A bill to amend title 49, United States Code, to require the Secretary of Transportation to award grants to States that have enacted and are enforcing certain laws with respect to stretch limousines, and for other purposes (Chuck Schumer, D-NY) H.R.4709 - To direct the Secretary of Transportation to award grants to States that have enacted and are enforcing certain laws with respect to stretch limousines, and for other purposes (Paul Tonko, D-NY-20) S.2606 - A bill to establish safety standards for certain limousines, and for other purposes (Chuck Schumer, D-NY) H.R.4708 - To establish safety standards for certain limousines, and for other purposes (Paul Tonko, D-NY-20) S.2700 - A bill to amend title 23, United States Code, to provide for efforts relating to Move Over laws, to amend title 49, United States Code, to require crash avoidance technology on motor vehicles, and for other purposes (Dick Durbin, D-IL) H.R.4871 - To amend title 23, United States Code, to provide for efforts relating to Move Over laws, to amend title 49, United States Code, to require crash avoidance technology on motor vehicles, and for other purposes (Cheri Bustos, D-IL-17) S.3005 - A bill to require the Secretary of Transportation to promulgate standards and regulations requiring all new commercial motor vehicles to be equipped with technology to limit maximum operating speed, to require existing speed-limiting technologies already installed in commercial motor vehicles manufactured after 1992 to be used while in operation, and to require that the maximum safe operating speed of commercial motor vehicles shall not exceed 65 miles per hour, or 70 miles per hour with certain safety technologies (Johnny Isakson, R-GA) S.2979 - Preventing Opioid and Drug Impairment in Transportation Act (Roger Wicker, R-MS) H.R.5462 - To direct the Secretary of Transportation to take actions to address issues affecting motorcoach and school bus operators, and for other purposes (Scott Perry, R-PA-10) H.R.5426 - To require the Secretary of Transportation to conduct a study on the unsafe use of electric scooters, and for other purposes (Albio Sires, D-NJ-8) H.R.6256 - To require the National Highway Traffic Safety Administration to update the motor vehicle information required to be submitted to the Administration to assist a consumer in buying a passenger motor vehicle (Frank Pallone, Jr., D-NJ-6) H.R.7095 - To authorize funds for Federal-aid highways, highway safety programs, and transit programs, and for other purposes (Peter DeFazio, D-OR-4) H.R.2 - INVEST in America Act - To authorize funds for Federal-aid highways, highway safety programs, and transit programs, and for other purposes (Peter DeFazio, D-OR,4) S.4123 - SAFE Act of 2020 - To direct the Secretary of Transportation to conduct research regarding and require the use of driver monitoring systems to minimize or eliminate motor vehicle driver distraction (Ed Markey, D-MA) S.4122 - Modernizing Seat Back Safety Act - To require the Secretary of Transportation to issue a final rule revising motor vehicle seat back safety standards (Ed Markey, D-MA) H.R.8129 - Drug-Impaired Driving Education Act of 2020 (Kathleen Rice, D-NY-4) H.R.8350 - To amend title 49, United States Code, regarding the authority of the National Highway Traffic Safety Administration over highly automated vehicles, to provide safety measures for such vehicles, and for other purposes (Bob Lotta, R-OH-5) H.R.8933 - To modernize the Advanced Technology Vehicle Manufacturing Incentive program (Tony Cardenas, D-CA-29)

Client expense: $470,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Federal Emergency Management Agency (FEMA), 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.1756, Preventing Credit Score Discrimination in Auto Insurance Act - prohibit the use of consumer reports and consumer information in making any determination involving auto insurance -H.R.1862, To abolish the Federal Insurance Office of the Department of the Treasury -H.R.1595, SAFE Banking Act of 2019 - To create protections for depository institutions that provide financial services to cannabis-related legitimate businesses -H.R. 1832, Insurance Fairness for First Responders Act of 2019 - to prevent the denial of life insurance coverage for certain holders of Narcan/naloxone prescriptions -H.R. 1375, S. 1989 - Provide Accurate Information Directly (PAID) Act - to improve Medicare Secondary Payer process for Medicare Parts C and D -S. 603, Financial Stability Oversight Council Improvement Act of 2019 - to require the Financial Stability Oversight Council to consider alternative approaches before determining that a U.S. nonbank financial company shall be supervised by the Board of Governors of the Federal Reserve System -S.766, Providing Responsible Oversight of Trusts to Ensure Compensation and Transparency (PROTECT) for Asbestos Victims Act of 2019 - to promote the investigation of fraudulent claims against certain trusts and to provide penalties against fraudulent claims against certain trusts -H.R. 1185, S. 463, Family and Medical Insurance Leave (FAMILY) Act - To provide paid family and medical leave benefits to certain individuals -S.583, DATA Privacy Act - to establish federal data privacy standards S. 1028, H.R. 2093, Strengthening the Tenth Amendment Through Entrusting States (STATES) Act - creates safe harbor from federal laws when doing business with legal state marijuana business PL111-203, Dodd-Frank Wall Street Reform and Consumer Protection Act Issue: International Insurance Capital Standards S.1214 - A bill to establish and protect individual and collective privacy rights, and for other purposes. S. 1298, H.R. 2479, Primary Regulators of Insurance Vote Act - to include the State insurance commissioner as a voting member of the Financial Stability Oversight Council S. 1628, Paid Family Leave Pilot Extension Act - would extend the program until 2022. S.1586, H.R. 1862, Federal Insurance Office Abolishment Act of 2019 - This bill eliminates the Federal Insurance Office (FIO) within the Department of the Treasury H.R. 3279, A bill to require the Securities and Exchange Commission to establish a Diversity Advisory Group to study and make recommendations on strategies to increase gender, racial, and ethnic diversity among the members of the board of directors of issuers, to amend the Securities Exchange Act of 1934 to require issuers to make disclosures to shareholders with respect to gender, racial, and ethnic diversity, and for other purposes Insurance Underwriting Insurance Capital Standards Autonomous Vehicles Data Privacy and Security H.R. 3693 - Prohibit Auto Insurance Discrimination Act - prohibit private passenger automobile insurers from using certain income proxies to determine insurance rates and eligibility. H.R. 4075, S.2201, the Clarifying Law Around Insurance of Marijuana (CLAIM) Act - To create a safe harbor for insurers engaging in the business of insurance in connection with a cannabis-related business H.R. 1224, S. 511, Living Donor Protection Act - To promote and protect from discrimination living organ donors H.R. 2474, Protecting the Right to Organize (PRO) Act of 2019 - to amend labor requirements H.R. 4978, Online Privacy Act of 2019 - bill to establish federal data privacy framework. H.R. ___, Freezing Assets of Suspected Terrorists and Enemy Recruits (FASTER) Act -- require financial institutions to freeze the assets of people under suspicion of domestic terrorism H.R. 4523, Nonprofit Property Protection Act -- allows certain risk-retention groups that serve nonprofit organizations to offer additional types of commercial insurance. H.R. ___, House Energy & Commerce Committee Staff Bipartisan Data Privacy Draft - data privacy H.R. 5494, the Catastrophe Loss Mitigation Incentive and Tax Parity Act of 2019 -- ensure that state-based grants received by homeowners for disaster mitigation are not be subject to federal income tax. Issue: Rising Cost of Auto Repair H.R. 3462/S. 1958, SHELTER Act -- to provide tax credits to property owners who make qualified mitigation investments (based on the model of long-standing energy tax credits). HR.3781, Improving National Safety by Updating the Required Amount of Insurance Needed by Commercial Motor Vehicles per Event (INSURANCE) Act of 2019 -- increase the minimum levels of insurance for commercial vehicles S.3300, Data Protection Act of 2020 - to establish a Federal data protection agency, and for other purposes. HR __, Insurance Data Protection Act - to reform FIO data requests. DRAFT HR ___, Fair Auto Insurance Ratemaking (FAIR) Study Act of 2020 - to study discrimination in auto-insurance H.R.7412, Business Interruption Relief Act of 2020 - Federal subsidies for insurers that pay Business Interruption losses caused by the Coronavirus HR 6494, Business Interruption Insurance Coverage Act- Invalidate existing virus exclusions and mandate future BI coverage DRAFT, Data Accountability and Transparency Act of 2020 - Federal data privacy law S.3456, Consumer Data Privacy and Security Act of 2020 - federal data privacy H.R. 2, Moving Forward Act - Transportation and highway infrastructure package including COVID, insurance, and motor safety provisions. HR 7011, Pandemic Risk Insurance Act (PRIA) of 2020 - Govt backed program modeled after TRIA DRAFT, Business Continuity Protection Program - Joint trades pandemic risk proposal DRAFT, COVID-19 Business and Employee Continuity and Recovery Fund - Recovery fund DRAFT, Workplace Recovery Act (WRA) - Establishes government-funded business interruption insurance add-on HR 6497, Never Again Small Business Protection Act - Prospective coverage mandate Issue: Employer COVID-19 Liability DRAFT, Coronavirus Liability Act - proposal to create a liability safe harbor for businesses H.R. 7197, Real Economic Support That Acknowledges Unique Restaurant Assistance Needed to Survive (RESTAURANTS) Act of 2020 - $120b restaurant grant program H.R. 6364, S. 3533, Securing and Enabling Commerce Using Remote and Electronic (SECURE) Notarization Act of 2020 - authorize minimum standards for electronic and remote notarizations Issue Diversity and Inclusion DRAFT, Data Security and Breach Notification Act of 2020 - to establish federal data breach standards (Portman/Carper) DRAFT, GAO study of insurance rating factors ISSUE: Pandemic Risk Insurance Programs DRAFT, Pandemic Business Interruption Program - Pandemic insurance program (Chubb) DRAFT, Business Continuity Coalition/New PRIA - pandemic insurance program (BCC) S 4159ESIGN Modernization Act - to modernize use of electronic documents S 4317SAFE to WORK Act - COVID liability protections for businesses S 4318American Workers, Families, and Employers Assistance Act - COVID relief S 4320Coronavirus Response Additional Supplemental Appropriations - COVID relief funding S 4321Continuing Small Business Recovery and Paycheck Protection Program Act - PPP extensions and reform S 4325Business of Insurance Regulatory Reform Act - clarification of CFPB jurisdiction related to insurance HR 7809 Helping Open Properties Endeavor (HOPE) Act of 2020 - equity facility in the Department of the Treasury to assist commercial mortgage borrowers S 178Delivering Immediate Relief to America's Families, School, and Small Businesses - omnibus COVID relief package HR 7978/S 4431 Emergency Wildfire and Public Safety Act of 2020 - to improve wildfire preparedness HR 8129 Drug Impaired Driving Education Act of 2020 - impaired driving education initiative HR 8132 American COMPETE Act - to study use of AI, drones, and autonomous vehicles HR 8015 Delivering for America Act - Postal service funding and operational changes S 4626SAFE DATA Act - to establish a federal privacy standard and other data use regulations HR 8350 SELF Drive Act - to establish a regulatory framework for autonomous vehicle regulation S. 4755 PAID Act - prohibit the use of certain auto insurance underwriting factors S.2604 Reduce Impaired Driving for Everyone Act of 2019 -- NHTSA to work with vehicle manufacturers, suppliers, and other entities to advance the technology developed by the Driver Alcohol Detection S.2968 Consumer Online Privacy Rights Act - bill to establish federal data privacy regulation HR 8524 Blockchain Records and Transactions Act -- To amend the Electronic Signatures in Global and National Commerce Act HR 11Commitment to American GROWTH Act-- to encourage investment to renew, restore, and rebuild the American economy for our workers, families, and small businesses, maximize innovation through research and development, and secure Americas medical supplies. HR 8576 PAID Study Act -- require the Government Accountability Office to conduct biennial studies of personal private automobile insurance coverage, and for other purposes. DRAFT LIBOR Transition Assistance Act -- deem certain references to the London Interbank Offered Rate (LIBOR) as referring to a replacement benchmark rate if LIBOR is no longer available, and for other purposes. S 4801Fair Access to Financial Services Act -- prohibits financial institutions from discriminating on the basis of race, color, religion, national origin, or sex, including sexual orientation and gender identity. HR 8698 Justice for All Act -- amend the Civil Rights Act of 1964 to clarify that disparate impacts on certain populations constitute a sufficient basis for rights of action under such Act S 5041Addressing Climate Financial Risk Act -- o establish the Advisory Committee on Climate Risk on the Financial Stability Oversight Council. HR 133 Consolidated Appropriations Act, 2021 - short-term appropriations

Client expense: $1,130,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Labor, Dept of (DOL), SENATE, Securities & Exchange Commission (SEC), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Copyright Office, U.S. Postal Service (USPS)

Regulatory structure for insurance and financial activities, including appropriate role of Federal Insurance Office and Federal Reserve. Medicare secondary payer reporting information, including H.R.1375, the "PAID Act." Automobile insurance issues, H.R.1756, the "Preventing Credit Score Discrimination in Auto Insurance Act," and S.4755 Legislative proposals addressing pandemic risk insurance and business interruption insurance, including H.R.6494, the "Business Interruption Insurance Coverage Act of 2020."

Client expense: Not reported · Firm income: $40,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R.1756, Preventing Credit Score Discrimination in Auto Insurance Act. H.R.1595, SAFE Banking Act of 2019. H.R.1375/S.1989, PAID Act. H.R.4161, COMP Act, potential property-casualty insurance issues arising from the coronavirus, H.R. 748, CARES Act

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 342 National Flood Insurance Program Mapping H.R. 420 Marijuana Products Regulation H.R. 469 Flood Insurance Coverage Rates H.R. 470 Mandatory Flood Insurance Coverage Repeal H.R. 471 Private Capital and Reinsurance Markets Risk Transfer H.R. 472 Alternative Flood Insurance Rate Maps H.R. 1402 Flood Maps Preparation Transfer H.R. 1418 Health Insurance Antitrust laws Application H.R. 1595 Cannabis Related Businesses Financial Services H.R. 1666 Private Flood Insurance Coverage H.R. 1689 Climate Change Advisory Commission Establishment H.R. 1756 Auto Insurance Consumer Reports Use Prohibition H.R. 1862 Federal Insurance Office Abolition S. 350 Health Insurance Federal Antitrust laws Application S. 420 Marijuana Products Taxation and Regulation S. 603 Financial Company Supervision Determination H.R. 2048 Consumer Products and Services Pricing H.R. 2318 National Flood Insurance Mapping H.R. 2479 Financial Stability Oversight Council Voting Member H.R. 2578 National Flood Insurance Program Extension Act of 2019 H.R. 2684 Auto Insurance Cost Disparities Study H.R. 3111 National Flood Insurance Reforms H.R. 3167 National Flood Insurance Program Reform H.R. 3183 Crop Insurance Eligibility H.R. 3258 Flood Insurance Rates Review S. 1108 Data Protection Impact Assessments S. 1144 National Flood Insurance Mapping S. 1200 Cannabis Related Business Financial Services Protection S. 1213 Health Insurance Reform Provision S. 1214 Individual and Collective Privacy Rights Protection S. 1520 National Flood Insurance Program Reauthorization S. 1531 Health Insurance Consumer Protections S. 1533 National Flood Insurance Program Reauthorization H.R. 3872 National Flood Insurance Program Reauthorization H.R. 4074 Cannabis Related Business Safe Harbor H.R. 4523 Risk Retention Groups Commercial Insurance Types S. 2088 Flood Area Community Accountability S. 2122 Flood Insurance Program Contract Termination Authority S. 2171 Flood Insurance Agents Continuing Education Requirement S. 2187 National Flood Insurance Program Reauthorization S. 2192 Flood Risk Reduction Funding Assistance S. 2201 Cannabis Related Business Insurers Safe Harbor H.R. 4634 Terrorism Risk Insurance Act Reauthorization H.R. 4652 Individual Market Reinsurance Fund Establishment S. 2877 Terrorism Risk Insurance Act S. 2964 Non Premium Aviation Insurance Authority Extension H.R. 1756 Auto Insurance Consumer Reports Use Prohibition H.R. 3693 Insurance Rate Income Proxies H.R. 5776 Flood Damaged Areas Accountability **Issues lobbied without specific bill number: COVID-19 Related Insurance Legislation, Business Interruption Insurance, Consumer Financial Protection Bureau Oversight of the Insurance Industry, Marijuana Financial Services H.R. 6494 Insurance Coverage for Business Interruption Losses H.R. 6497 Insurance Coverage for Business Interruption Losses H.R. 6800 HEROES Act Workers Compensation Provision H.R. 7011 Pandemic Risk Reinsurance Program H.R. 7412 Insurers Support Temporary Voluntary Program S. 3814 Loan Forgiveness Period Extension **Issues lobbied without specific bill number: Business Continuity Protection Program, COVID-19 personal and commercial insurance response and role, municipal services liability, judicial insurance antitrust consent decree H.R. 7634 Hotel Lease Payments S. 178 Human Rights Violations Condemnation S. 4317 SAFE TO WORK Act S. 4755 Automobile Insurers Income Proxies Prohibition

Client expense: $1,570,000 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), Commerce, Dept of (DOC), Federal Aviation Administration (FAA), Federal Emergency Management Agency (FEMA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Natl Economic Council (NEC), Natl Labor Relations Board (NLRB), SENATE, Transportation, Dept of (DOT), Treasury, Dept of, U.S. Trade Representative (USTR), White House Office

Regulatory structure for insurance and financial activities, including appropriate role of Federal Insurance Office and Federal Reserve. Medicare secondary payer reporting information, including H.R.1375, the "PAID Act." Automobile insurance issues, H.R.1756, the "Preventing Credit Score Discrimination in Auto Insurance Act," and S.4755 Legislative proposals addressing pandemic risk insurance and business interruption insurance, including H.R.6494, the "Business Interruption Insurance Coverage Act of 2020."

Client expense: Not reported · Firm income: $40,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

General Issues related to the use of credit scoring and other non-driving data in the underwriting of auto insurance; H.R.1756 To amend the Fair Credit Reporting Act to prohibit the use of consumer reports and consumer information in making any determination involving auto insurance with respect to a consumer, and for other purposes; H.R. 2684, the FAIR Rates Act; Draft Legislation - the FAIR Study Act;

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R.1756 To amend the Fair Credit Reporting Act to prohibit the use of consumer reports and consumer information in making any determination involving auto insurance with respect to a consumer, and for other purposes; H.R. 2684, the FAIR Rates Act; Draft Legislation - the FAIR Study Act; H.R. 6201, the Families First Coronavirus Response Act. The Cares Act, Public Law 116-136.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

-Financial Services reform legislation regarding provisions affecting the regulation of insurance products and companies. -Issues related to implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act. -Issues related to international capital standards for insurance. -Issues related to Financial Stability Board oversight. -Issues related to House Financial Services. -Credit scores for auto insurance, HR 1756. -GSE reform/Federal Housing Finance Agency (FHFA) pilot programs. -Corporate governance (Environmental, Social, and Government investing). -Terrorism Risk Insurance Act (TRIA) reauthorization. -HUD Disparate Impact rule. -US International Development Finance Corporation (DFC). -Fintech/Insure Tech issues. -Risk-retention groups. -Issues related to the International Insurance Standards Act (HR 4592).

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

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

"Discussions related to the Federal Insurance Office H.R. 2093, STATES Act, all provisions H.R. 1595, SAFE Banking Act of 2019, all provisions - monitoring these bills H.R. 2684, FAIR RATES Act of 2019, all provisions - monitoring this bill H.R. 1756, the ""Preventing Credit Score Discrimination in Auto Insurance Act."" - monitoring this bill H.R. 6497: Never Again Small Business Protection Act - we oppose this bill H.R. 6494: Business Interruption Insurance Coverage Act of 2020' - we oppose this bill H.R. 7412, the Business Interruption Relief Act of 2020, - we oppose this bill H.R. 7011: The Pandemic Risk Insurance Act of 2020 - monitoring this bill S 4325: ""Business of Insurance Regulatory Reform Act"" - support this bill "

Client expense: $35,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to insurance regulation - both domestic and internationally, including H.R. 1756 - Preventing Credit Score Discrimination in Auto Insurance Act. Issues related to flood insurance, including H.R. 3111, the National Flood Insurance Program Administration Reform Act of 2019 and H.R. 3167, the National Flood Insurance Program Reauthorization Act of 2019

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

S.1144: improve mapping under the NFIP HR 470: Repeal of Mandatory Flood Insurance Coverage for Commercial Properties H.R.2318: improve mapping under the NFIP, and for other purposes. HR472: Community Mapping Act HR 471: Taxpayer Exposure Mitigation Act/Reinsurance HR 469: To require the use of replacement cost value in determining the premium rates for flood insurance coverage under the NFIP H.R. 1756: Preventing Credit Score Discrimination in Auto Insurance S. 1298 Primary Regulators of Insurance Vote Act (PRIVA Act) of 2019 H.R. 3622: Restoring Unfairly Impaired Credit and Protecting Consumers Act Issues relating to the implementation off the National Association of Registered Agents and Brokers (NARAB) Issues relating to Diversity & Inclusion, Disparate Impact Issues relating to U.S. and international insurance capital standards Issues relating to the Federal Insurance Office Issues relating to the re-authorization and reform for the NFIP HR 3623 Climate Risk Disclosure Act of 2019 HR 3624 Outsourcing Accountability Act HR 3629 Clarify Credit Score Formation Act of 2019 HR 3693 Prohibit Auto Insurance Discrimination Act (Watson-Coleman) S 2201 Clarifying Law Around Insurance of Marijuana (Claim Act) HR 1595 Safe Banking Act HR 4592 International Insurance Standards Act of 2019 HR 3111 National Flood Insurance Program Administrative Reform Act of 2019 HR 3167 National Flood Insurance Program Re-authorization Act of 2019 S 2187 National Flood Insurance Program Re-authorization and Reform Act of 2019 HR 5776 Repeatedly Flooded Communities Preparation Act H.R.6494 - Business Interruption Insurance Coverage Act of 2020 H.R.7011 - Pandemic Risk Insurance Act of 2020 H.R.6497 Never Again Small Business Protection Act of 2020 H.R. 7412, the Business Interruption Relief Act of 2020

Client expense: $900,000 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), Commerce, Dept of (DOC), Consumer Financial Protection Bureau (CFPB), Federal Aviation Administration (FAA), Federal Communications Commission (FCC), Federal Emergency Management Agency (FEMA), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Highway Traffic Safety Administration (NHTSA), Office of Management & Budget (OMB), SENATE, Securities & Exchange Commission (SEC), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Trade Representative (USTR)

HR 469 Using replacement cost value to determine premium rates for flood insurance; HR 470 Repeal mandatory flood insurance for commercial properties; HR 471 The Taxpayer Exposure Mitigation Act, requires the NFIP to purchase reinsurance; HR 472 The Community Mapping Act, allows communities to develop alternative flood insurance rate maps; HR 830 The Flood Insurance for Farmers Act, allows for repair and construction of structures within flood zones; HR 342 & HR 2318, The FIRM IT Act of 2019, seeks to improve mapping for the NFIP; HR 1666, allows for private flood insurance to meet continuous coverage requirements; HR 2578, the NFIP Extension Act of 2019, HR 3111 NFIP Administrative Reform Act of 2019; HR 3146 Fair Flood Insurance Act of 2019, which provides for monthly installment payments; HR 3167 NFIP Re-authorization Act of 2019; HR 3258 Flood Insurance Integrity Act of 2019; HR 3872/S 2187 NFIP Re-authorization and Reform Act of 2019; S 1144 Flood Insurance Rate Map Interagency Technology Act; S 1520 NFIP Extension Act of 2019; and S 1533 NFIP Extension Act . We are monitoring all legislation impacting the National Flood Insurance Program to insure that the program remains available and affordable for our customers. HR 1595 & S 1200 The SAFE Banking Act; also HR 4074 and S 1200 The CLAIM Act - Monitor efforts to facilitate financial services to legal cannabis-related businesses HR 1756 - The Preventing Credit Score Discrimination in Auto Insurance Act; S 4755 a bill to prohibit auto insurers from using certain income proxies; Monitoring these bill which could impact insurance underwriting HR 1862 and S 1586 - The Federal Insurance Office Abolishment Act of 2019 - monitor potential changes to FIO that would impact the insurance industry HR 4592 International Insurance Standards Act of 2019; support HR 6494 Business Interruption Insurance Coverage Act of 2020; oppose HR 6497 Never Again Small Business Protection Act; oppose HR 7011 Pandemic Risk Insurance Act; concerns with requiring insurance coverage for uninsurable events like pandemics HR 7412 Business Interruption Relief Act; oppose HR 8337 Continuing Appropriations Act - that portion of the bill extending the National Flood Insurance Program (support) S 4325 Business of Insurance Regulatory Reform Act - support this bill which deals with the CFPB authority to regulate insurance

Client expense: $80,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

-H.R.1756, Preventing Credit Score Discrimination in Auto Insurance Act - prohibit the use of consumer reports and consumer information in making any determination involving auto insurance -H.R.1862, To abolish the Federal Insurance Office of the Department of the Treasury -H.R.1595, SAFE Banking Act of 2019 - To create protections for depository institutions that provide financial services to cannabis-related legitimate businesses -H.R. 1832, Insurance Fairness for First Responders Act of 2019 - to prevent the denial of life insurance coverage for certain holders of Narcan/naloxone prescriptions -H.R. 1375, S. 1989 - Provide Accurate Information Directly (PAID) Act - to improve Medicare Secondary Payer process for Medicare Parts C and D -S. 603, Financial Stability Oversight Council Improvement Act of 2019 - to require the Financial Stability Oversight Council to consider alternative approaches before determining that a U.S. nonbank financial company shall be supervised by the Board of Governors of the Federal Reserve System -S.766, Providing Responsible Oversight of Trusts to Ensure Compensation and Transparency (PROTECT) for Asbestos Victims Act of 2019 - to promote the investigation of fraudulent claims against certain trusts and to provide penalties against fraudulent claims against certain trusts -H.R. 1185, S. 463, Family and Medical Insurance Leave (FAMILY) Act - To provide paid family and medical leave benefits to certain individuals -S.583, DATA Privacy Act - to establish federal data privacy standards S. 1028, H.R. 2093, Strengthening the Tenth Amendment Through Entrusting States (STATES) Act - creates safe harbor from federal laws when doing business with legal state marijuana business PL111-203, Dodd-Frank Wall Street Reform and Consumer Protection Act Issue: International Insurance Capital Standards S.1214 - A bill to establish and protect individual and collective privacy rights, and for other purposes. S. 1298, H.R. 2479, Primary Regulators of Insurance Vote Act - to include the State insurance commissioner as a voting member of the Financial Stability Oversight Council S. 1628, Paid Family Leave Pilot Extension Act - would extend the program until 2022. S.1586, H.R. 1862, Federal Insurance Office Abolishment Act of 2019 - This bill eliminates the Federal Insurance Office (FIO) within the Department of the Treasury H.R. 3279, A bill to require the Securities and Exchange Commission to establish a Diversity Advisory Group to study and make recommendations on strategies to increase gender, racial, and ethnic diversity among the members of the board of directors of issuers, to amend the Securities Exchange Act of 1934 to require issuers to make disclosures to shareholders with respect to gender, racial, and ethnic diversity, and for other purposes Insurance Underwriting Insurance Capital Standards Autonomous Vehicles Data Privacy and Security H.R. 3693 - Prohibit Auto Insurance Discrimination Act - prohibit private passenger automobile insurers from using certain income proxies to determine insurance rates and eligibility. H.R. 4075, S.2201, the Clarifying Law Around Insurance of Marijuana (CLAIM) Act - To create a safe harbor for insurers engaging in the business of insurance in connection with a cannabis-related business H.R. 1224, S. 511, Living Donor Protection Act - To promote and protect from discrimination living organ donors H.R.4592 -International Insurance Standards Act of 2019 (Budd-Heck) H.R. 2474, Protecting the Right to Organize (PRO) Act of 2019 - to amend labor requirements H.R. 4978, Online Privacy Act of 2019 - bill to establish federal data privacy framework. H.R. ___, Freezing Assets of Suspected Terrorists and Enemy Recruits (FASTER) Act -- require financial institutions to freeze the assets of people under suspicion of domestic terrorism H.R. 4523, Nonprofit Property Protection Act -- allows certain risk-retention groups that serve nonprofit organizations to offer additional types of commercial insurance. H.R. ___, House Energy & Commerce Committee Staff Bipartisan Data Privacy Draft - data privacy H.R. 535, PFAS Action Act - to increase EPA oversight of PFAS chemicals. H.R. 5494, the Catastrophe Loss Mitigation Incentive and Tax Parity Act of 2019 -- ensure that state-based grants received by homeowners for disaster mitigation are not be subject to federal income tax. Issue: Rising Cost of Auto Repair H.R. 3462/S. 1958, SHELTER Act -- to provide tax credits to property owners who make qualified mitigation investments (based on the model of long-standing energy tax credits). HR.3781, Improving National Safety by Updating the Required Amount of Insurance Needed by Commercial Motor Vehicles per Event (INSURANCE) Act of 2019 -- increase the minimum levels of insurance for commercial vehicles S.3300, Data Protection Act of 2020 - to establish a Federal data protection agency, and for other purposes. HR __, Insurance Data Protection Act - to reform FIO data requests. H.R. 224, Protect Taxpayer Dollars, Small Contractors, Suppliers and Workers - requiring indexing for Miller Act bonding requirements. HR 6359, Promoting Infrastructure by Protecting Our Subcontractors and Tax Payers Act - require bonds or sufficient security on public construction projects that receive federal financing from TIFIA loans DRAFT HR ___, Fair Auto Insurance Ratemaking (FAIR) Study Act of 2020 - to study discrimination in auto-insurance .R.7412, Business Interruption Relief Act of 2020 - Federal subsidies for insurers that pay Business Interruption losses caused by the Coronavirus HR 6494, Business Interruption Insurance Coverage Act- Invalidate existing virus exclusions and mandate future BI coverage DRAFT, Data Accountability and Transparency Act of 2020 - Federal data privacy law S.3456, Consumer Data Privacy and Security Act of 2020 - federal data privacy H.R. 2, Moving Forward Act - Transportation and highway infrastructure package including COVID, insurance, and motor safety provisions. HR 7011, Pandemic Risk Insurance Act (PRIA) of 2020 - Govt backed program modeled after TRIA DRAFT, Business Continuity Protection Program - Joint trades pandemic risk proposal DRAFT, COVID-19 Business and Employee Continuity and Recovery Fund - Recovery fund DRAFT, Workplace Recovery Act (WRA) - Establishes government-funded business interruption insurance add-on HR 6497, Never Again Small Business Protection Act - Prospective coverage mandate Issue: Employer COVID-19 Liability DRAFT, Coronavirus Liability Act - proposal to create a liability safe harbor for businesses H.R. 7197, Real Economic Support That Acknowledges Unique Restaurant Assistance Needed to Survive (RESTAURANTS) Act of 2020 - $120b restaurant grant program H.R. 6364, S. 3533, Securing and Enabling Commerce Using Remote and Electronic (SECURE) Notarization Act of 2020 - authorize minimum standards for electronic and remote notarizations Issue Diversity and Inclusion DRAFT, Data Security and Breach Notification Act of 2020 - to establish federal data breach standards (Portman/Carper) DRAFT, Diverse Investment Advisers Act - to encourage asset manager diversity DRAFT, GAO study of insurance rating factors ISSUE: Pandemic Risk Insurance Programs DRAFT, Pandemic Business Interruption Program - Pandemic insurance program (Chubb) DRAFT, Business Continuity Coalition/New PRIA - pandemic insurance program (BCC) S 4159ESIGN Modernization Act - to modernize use of electronic documents S 4317SAFE to WORK Act - COVID liability protections for businesses S 4318American Workers, Families, and Employers Assistance Act - COVID relief S 4320Coronavirus Response Additional Supplemental Appropriations - COVID relief funding S 4321Continuing Small Business Recovery and Paycheck Protection Program Act - PPP extensions and reform S 4325Business of Insurance Regulatory Reform Act - clarification of CFPB jurisdiction related to insurance HR 7809 Helping Open Properties Endeavor (HOPE) Act of 2020 - equity facility in the Department of the Treasury to assist commercial mortgage borrowers S 178Delivering Immediate Relief to America's Families, School, and Small Businesses - omnibus COVID relief package HR 7978/S 4431 Emergency Wildfire and Public Safety Act of 2020 - to improve wildfire preparedness HR 8129 Drug Impaired Driving Education Act of 2020 - impaired driving education initiative HR 8132 American COMPETE Act - to study use of AI, drones, and autonomous vehicles DRAFT PAID Study Act - for GAO to study impact of certain auto insurance underwriting factors and reporting requirements HR 8015 Delivering for America Act - Postal service funding and operational changes S 4626SAFE DATA Act - to establish a federal privacy standard and other data use regulations HR 8350 SELF Drive Act - to establish a regulatory framework for autonomous vehicle regulation S. 4755 PAID Act - prohibit the use of certain auto insurance underwriting factors S.2604 Reduce Impaired Driving for Everyone Act of 2019 -- NHTSA to work with vehicle manufacturers, suppliers, and other entities to advance the technology developed by the Driver Alcohol Detection S.2968 Consumer Online Privacy Rights Act - bill to establish federal data privacy regulation

Client expense: $780,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Labor, Dept of (DOL), SENATE, Securities & Exchange Commission (SEC), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Copyright Office, U.S. Postal Service (USPS)

Federal regulation of homeowners insurance; flood insurance; international insurance; financial regulatory reform; state workers' compensation programs; Fair Housing Act's Disparate Impact Standard; data security requirements; auto insurance consumer reports; auto insurance rate income proxies; motor vehicle safety and impaired driving; marijuana impairment standard; marijuana/TRIA; COVID-19 related insurance legislation; business interruption insurance; Business Continuity Protection Program; DOJ consent decrees; H.R.1595, SAFE Banking Act of 2019; H.R.3111, National Flood Insurance Program Administrative Reform Act of 2019; H.R.3167, National Flood Insurance Program Reauthorization Act of 2019; H.R.1756, Preventing Credit Score Discrimination in Auto Insurance Act; H.R.3693, Prohibit Auto Insurance Discrimination Act; Appropriations for Fiscal Year 2021 (no specific bill numbers); H.R.748, CARES Act (P.L.116-136) and advise client on nature and status of various COVID-19 legislative proposals; H.R.6494, Business Interruption Insurance Coverage Act of 2020; H.R.6497, Never Again Small Business Protection Act of 2020; H.R.7011, Pandemic Risk Insurance Act of 2020; S.4755, A bill to prohibit private passenger automobile insurers from using certain income proxies to determine insurance rates and eligibility.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 1756 - To amend the Fair Credit Reporting Act to prohibit the use of consumer reports and consumer information in making any determination involving auto insurance with respect to a consumer, and for other purposes (Rashida Tlaib, D-MI-13) , ALL PROVISIONS H.R.514 - To direct the Secretary of Transportation to prescribe a motor vehicle safety standard requiring motor vehicles to be equipped with an ignition interlock device that prevents a vehicle from being operated if the operator is intoxicated (Debbie Dingell, D-MI) , ALL PROVISIONS H.R.1374 - To direct the Secretary of Transportation to issue regulations relating to commercial motor vehicle drivers under the age of 21, and for other purposes (Trey Hollingsworth, R-IN-9) , ALL PROVISIONS S.665 - A bill to reduce the number of preventable deaths and injuries caused by underride crashes, to improve motor carrier and passenger motor vehicle safety, and for other purposes (Kirsten Gillibrand, D-NY) , ALL PROVISIONS H.R.1511 - Stop Underrides Act - To reduce the number of preventable deaths and injuries caused by underride crashes, to improve motor carrier and passenger motor vehicle safety, and for other purposes (Steve Cohen, D-TN-9) , ALL PROVISIONS H.R.3293 - Collision Avoidance Systems Act of 2019 - To amend title 49, United States Code, to permit the installation of pulsating light systems for high mounted stop lamps, and for other purposes (Eliot Engel, D-NY-16) , ALL PROVISIONS H.R.2416 - To amend title 23, United States Code, to require the Secretary of Transportation to provide States applying for distracted driving grants an explanation of the eligibility decision with respect to such State, and for other purposes (Raja Krishnamoorthi, D-IL-8) , ALL PROVISIONS H.R.2510 - To establish a voluntary program in the National Highway Traffic Safety Administration to encourage consumers to purchase or lease new automobiles made in the United States, and for other purposes (Rashida Tlaib, D-MI-13) , ALL PROVISIONS S.1254 - A bill to require the Secretary of Transportation to review and report on certain laws, safety measures, and technologies relating to the illegal passing of school buses, and for other purposes (Todd Young, R-IN) , ALL PROVISIONS H.R.2542 - To direct the Secretary of Transportation to make grants for the operation of a clearinghouse to collect, conduct, and fund research on the influences of highly automated vehicles on land use, urban design, transportation, real estate, and municipal budgets, and for other purposes (Earl Blumenauer, D-OR-3) , ALL PROVISIONS H.R.3011 - End Drunk Driving Act of 2019 - To improve the safety of individuals by taking measures to end drunk driving (Kathleen Rice, D-NY-4) , ALL PROVISIONS H.R.3159 - To amend title 23, United States Code, to create a pilot program concerning drugged driving prevention, and for other purposes (Carol Miller, R-WV-3) , ALL PROVISIONS S.2033 - A bill to require the Secretary of Transportation to promulgate standards and regulations requiring all new commercial motor vehicles to be equipped with technology to limit maximum operating speed, to require existing speed-limiting technologies already installed in certain commercial motor vehicles to be used while in operation, and to require that maximum safe operating speed of commercial motor vehicles shall not exceed 65 miles per hour (Johnny Isakson, R-GA) , ALL PROVISIONS H.R.3593 - To require the Secretary of Transportation to issue a rule requiring all new passenger motor vehicles to be equipped with a child safety alert system, and for other purposes (Tim Ryan, D-OH-13) , ALL PROVISIONS S.2302 - America's Transportation Infrastructure Act of 2019 (John Barrasso, R-WY) , ALL PROVISIONS H.R.3888 - To require the Administrator of the National Highway Traffic Safety Administration to conduct a study on motor vehicle safety and impaired driving, and for other purposes (Cathy McMorris Rodgers (R-WA-5) , ALL PROVISIONS H.R.3890 - To require the Secretary of Transportation to provide funds to address motor vehicle safety and impaired driving, and for other purposes (Larry Bucshon, R-IN-8) , ALL PROVISIONS S.2182 - A bill to protect consumers from security and privacy threats to their motor vehicles, and for other purposes (Ed Markey, D-MA) , ALL PROVISIONS H.R.3888 - Impaired Driving Study Act of 2019 (Cathy McMorris Rodgers, R-WA-5) , ALL PROVISIONS H.R.3890 - Combatting Impaired Driving Act of 2019 (Larry Bucshon, R-IN-8) , ALL PROVISIONS H.R.3773 - To direct the Secretary of Transportation to prescribe a motor vehicle safety standard requiring new commercial motor vehicles to be equipped with an automatic emergency braking system, to require automatic emergency braking installed in commercial motor vehicles to be used while in operation, and for other purposes (Hank Johnson, D-GA-4) , ALL PROVISIONS H.R.3628 - To require motor carriers to mitigate hardships due to unwarranted and excessive passenger delays and to assess fines to bolster motor carriers' accountability to consumers, and for other purposes (Bennie Thompson, D-MS-2) , ALL PROVISIONS H.R.3612 - To repeal a section of the FAST Act, and for other purposes (Colin Allred, D-TX-32) , ALL PROVISIONS H.R.3593 - Hot Cars Act of 2019 (Tim Ryan, D-OH-13) , ALL PROVISIONS S.1601 - Helping Overcome Trauma for Children Alone in Rear Seats Act of 2019 (Roger Wicker, R-MS) , ALL PROVISIONS H.R.4311 - End Discriminatory State Taxes for Automobile Renters Act of 2019 (Steve Cohen, D-TN-9) , ALL PROVISIONS H.R.4354 - To direct the Secretary of Transportation to prescribe a motor vehicle safety standard requiring motor vehicles to be equipped with an advanced alcohol detection device that prevents a vehicle from being operated if the operator is intoxicated, to provide for a fleet demonstration of such devices, and for other purposes (Debbie Dingell, D-MI-12) , ALL PROVISIONS H.R.3145 - Protecting Americans from the Risks of Keyless Ignition Technology Act (Janice Schakowsky, D-IL-9) , ALL PROVISIONS H.R.3781 - Improving National Safety by Updating the Required Amount of Insurance Needed by Commercial Motor Vehicles per Event (INSURANCE) Act of 2019 (Jesus Chuy Garcia, D-IL-4) , ALL PROVISIONS S.2604 - A bill to require the Administrator of the National Highway Traffic Safety Administration to work with vehicle manufacturers, suppliers, and other interested parties to advance the technology developed by the Driver Alcohol Detection System for Safety Research Program, and for other purposes (Tom Udall, D-NM) , ALL PROVISIONS S.2611 - A bill to amend title 49, United States Code, to modify the definition of commercial motor vehicle, and for other purposes (Kirsten Gillibrand, D-NY) , ALL PROVISIONS H.R.4697 - To amend title 49, United States Code, to modify the definition of commercial motor vehicle, and for other purposes (Antonio Delgado, D-NY-19) , ALL PROVISIONS S.2605 - A bill to amend title 49, United States Code, to require the Secretary of Transportation to award grants to States that have enacted and are enforcing certain laws with respect to stretch limousines, and for other purposes (Chuck Schumer, D-NY) , ALL PROVISIONS H.R.4709 - To direct the Secretary of Transportation to award grants to States that have enacted and are enforcing certain laws with respect to stretch limousines, and for other purposes (Paul Tonko, D-NY-20) , ALL PROVISIONS S.2606 - A bill to establish safety standards for certain limousines, and for other purposes (Chuck Schumer, D-NY) , ALL PROVISIONS H.R.4708 - To establish safety standards for certain limousines, and for other purposes (Paul Tonko, D-NY-20) , ALL PROVISIONS S.2700 - A bill to amend title 23, United States Code, to provide for efforts relating to Move Over laws, to amend title 49, United States Code, to require crash avoidance technology on motor vehicles, and for other purposes (Dick Durbin, D-IL) , ALL PROVISIONS H.R.4871 - To amend title 23, United States Code, to provide for efforts relating to Move Over laws, to amend title 49, United States Code, to require crash avoidance technology on motor vehicles, and for other purposes (Cheri Bustos, D-IL-17) , ALL PROVISIONS S.3005 - A bill to require the Secretary of Transportation to promulgate standards and regulations requiring all new commercial motor vehicles to be equipped with technology to limit maximum operating speed, to require existing speed-limiting technologies already installed in commercial motor vehicles manufactured after 1992 to be used while in operation, and to require that the maximum safe operating speed of commercial motor vehicles shall not exceed 65 miles per hour, or 70 miles per hour with certain safety technologies (Johnny Isakson, R-GA) , ALL PROVISIONS S.2979 - Preventing Opioid and Drug Impairment in Transportation Act (Roger Wicker, R-MS) , ALL PROVISIONS H.R.5462 - To direct the Secretary of Transportation to take actions to address issues affecting motorcoach and school bus operators, and for other purposes (Scott Perry, R-PA-10) , ALL PROVISIONS H.R.5426 - To require the Secretary of Transportation to conduct a study on the unsafe use of electric scooters, and for other purposes (Albio Sires, D-NJ-8) , ALL PROVISIONS H.R.6256 - To require the National Highway Traffic Safety Administration to update the motor vehicle information required to be submitted to the Administration to assist a consumer in buying a passenger motor vehicle (Frank Pallone, Jr., D-NJ-6) , ALL PROVISIONS H.R.7095 - To authorize funds for Federal-aid highways, highway safety programs, and transit programs, and for other purposes (Peter DeFazio, D-OR-4) , ALL PROVISIONS H.R.2 - INVEST in America Act - To authorize funds for Federal-aid highways, highway safety programs, and transit programs, and for other purposes (Peter DeFazio, D-OR,4) , ALL PROVISIONS S.4123 - SAFE Act of 2020 - To direct the Secretary of Transportation to conduct research regarding and require the use of driver monitoring systems to minimize or eliminate motor vehicle driver distraction (Ed Markey, D-MA) , ALL PROVISIONS S.4122 - Modernizing Seat Back Safety Act - To require the Secretary of Transportation to issue a final rule revising motor vehicle seat back safety standards (Ed Markey, D-MA) , ALL PROVISIONS H.R.8129 - Drug-Impaired Driving Education Act of 2020 (Kathleen Rice, D-NY-4) , ALL PROVISIONS H.R.8350 - To amend title 49, United States Code, regarding the authority of the National Highway Traffic Safety Administration over highly automated vehicles, to provide safety measures for such vehicles, and for other purposes (Bob Lotta, R-OH-5) , ALL PROVISIONS

Client expense: $550,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Federal Emergency Management Agency (FEMA), 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)

PL-141-1 TRIA/NARAB II Implementation HFIAA (Homeowner Flood Insurance Affordability Act) Implementation HR 1666- to allow for continuous coverage of the NFIP (all provisions) HR 469- replacement cost coverage in NFIP (all provisions) HR 470- NFIP Mandatory Purchase Repeal for Commercial Properties (all provisions) HR 471- Taxpayer Exposure Mitigation Act (all provisions) HR 472- Community Mapping Act (all provisions) HR 1595- Safe Banking Act (insurance provisions) HR 1862- FIO Elimination Act (all provisions) HR 1756- Auto Insurance Credit Score Prohibition (all provisions) S 1028- Strengthening the Tenth Amendment Through Entrusting States Act (all provisions) S 1200- Secure and Fair Enforcement Banking Act (insurance provisions) HR 2513- Corporate Transparency Act (all provisions) HR 2578- NFIP Extension Act (all provisions) HR 3167- NFIP Reauthorization Act (all provisions) HR 3111- NFIP Administrative Reform Act (all provisions) TRIA Reauthorization S. 2187 - National Flood Insurance Program Reauthorization & Reform Act (all provisions) S. 2201/HR 4074- CLAIM Act (all provisions) S 1889- TITLE Act (All provisions) HR 4523- Expansion of Federal Liability Risk Retention Act (all provisions) HR 4592- International Insurance Standards Act of 2019 (all provisions) S. 2563- Illicit Cash Act (all provisions) S. 2877 - Terrorism Risk Insurance Program Reauthorization Act (all provisions) HR 4634- Terrorism Risk Insurance Program Reauthorization Act (all provisions) S. 2614 - Workforce Mobility Act (all provisions) HR 4037 - CLAIM Act (all provisions) S. 2968- Consumer Online Privacy Rights Act (all provisions) HR 2013 - Information Transparency & Personal Data Control Act (all provisions) Draft Fitzpatrick Business Interruption Legislation (all provisions) H.R.7011 - To establish a Pandemic Risk Reinsurance Program H.R.6497 - Never Again Small Business Protection Act of 2020 H.R.6494 - Business Interruption Insurance Coverage Act of 2020 H.R. 7412, the Business Interruption Relief Act of 2020 S.4755 - A bill to prohibit private passenger automobile insurers from using certain income proxies to determine insurance rates and eligibility. Draft COVID-19 Business and Employee Continuity Recovery Fund Draft Business Continuity Protection Program Draft the Build for Future Disasters Act

Client expense: $220,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Farm Credit Administration, Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Housing & Urban Development, Dept of (HUD), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), Natl Economic Council (NEC), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), SENATE, Small Business Administration (SBA), Treasury, Dept of

The Protecting Your Credit Score Act of 2019 (H.R. 5332) and the Preventing Credit Score Discrimination in Auto Insurance Act (H.R. 1756) as they relate to factors used in insurance underwriting. H.R. 3621, the Comprehensive CREDIT Act of 2020, and proposed amendment by Rep. Jackson Lee related to GAO study for credit scores and insurance. Discussed generally underwriting factors governing the business of insurance. Discussed the idea of a Federal Trade Commission study on the rising price and competitive landscape of automobile repair parts. H.R. 4523, the Nonprofit Property Protection Act, related to the availability of Risk Retention Groups to not-for-profit entities. H.R. 1595/S.1200, the SAFE Banking Act, cannabis legislation related to insurance and banking issues. Discussed generally the impact of climate risk on the business of insurance. Congressional efforts to better understand commercial use of artificial intelligence and its impact on consumers. The following bills as they relate to business interruption and pandemic insurance: 1) H.R.6494 - 116th Congress (2019-2020) Business Interruption Insurance Coverage Act of 2020; 2. H.R.7412 - 116th Congress (2019-2020); 3. H.R.7394 - 116th Congress (2019-2020); 4. H.R.6497 - 116th Congress (2019-2020) Never Again Small Business Protection Act of 2020; 6. H.R.6983 - 116th Congress (2019-2020) Pandemic Risk Insurance Act of 2020; 7. H.R.7011 - 116th Congress (2019-2020) Pandemic Risk Insurance Act of 2020; 8. H.R.748 (Pub. Law. No. 116-136) - 116th Congress (2019-2020) CARES Act; 9. S.3548 - 116th Congress (2019-2020) CARES Act.

Client expense: $360,000 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE, Securities & Exchange Commission (SEC), Transportation, Dept of (DOT), Treasury, Dept of

Regulatory structure for insurance and financial activities, including appropriate role of Federal Insurance Office and Federal Reserve. Medicare secondary payer reporting information, including H.R.1375, the "PAID Act." Automobile insurance issues and H.R.1756, the "Preventing Credit Score Discrimination in Auto Insurance Act." Legislative proposals addressing pandemic risk insurance and business interruption insurance, including H.R.6494, the "Business Interruption Insurance Coverage Act of 2020."

Client expense: Not reported · Firm income: $40,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R.1756, Preventing Credit Score Discrimination in Auto Insurance Act. H.R.1595, SAFE Banking Act of 2019. H.R.1375/S.1989, PAID Act. H.R.4161, COMP Act, potential property-casualty insurance issues arising from the coronavirus, H.R. 748, CARES Act

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

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

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

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

S.1144: improve mapping under the NFIP HR 470: Repeal of Mandatory Flood Insurance Coverage for Commercial Properties H.R.2318: improve mapping under the NFIP, and for other purposes. HR472: Community Mapping Act HR 471: Taxpayer Exposure Mitigation Act/Reinsurance HR 469: To require the use of replacement cost value in determining the premium rates for flood insurance coverage under the NFIP H.R. 1756: Preventing Credit Score Discrimination in Auto Insurance S. 1298 Primary Regulators of Insurance Vote Act (PRIVA Act) of 2019 H.R. 3622: Restoring Unfairly Impaired Credit and Protecting Consumers Act Issues relating to the implementation off the National Association of Registered Agents and Brokers (NARAB) Issues relating to Diversity & Inclusion, Disparate Impact Issues relating to U.S. and international insurance capital standards Issues relating to the Federal Insurance Office Issues relating to the re-authorization and reform for the NFIP HR 3623 Climate Risk Disclosure Act of 2019 HR 3624 Outsourcing Accountability Act HR 3629 Clarify Credit Score Formation Act of 2019 HR 3693 Prohibit Auto Insurance Discrimination Act (Watson-Coleman) S 2201 Clarifying Law Around Insurance of Marijuana (Claim Act) HR 1595 Safe Banking Act HR 4592 International Insurance Standards Act of 2019 HR 3111 National Flood Insurance Program Administrative Reform Act of 2019 HR 3167 National Flood Insurance Program Re-authorization Act of 2019 S 2187 National Flood Insurance Program Re-authorization and Reform Act of 2019 HR 5776 Repeatedly Flooded Communities Preparation Act H.R.6494 - Business Interruption Insurance Coverage Act of 2020 H.R.7011 - Pandemic Risk Insurance Act of 2020 H.R.6497 Never Again Small Business Protection Act of 2020 H.R. 7412, the Business Interruption Relief Act of 2020

Client expense: $410,000 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), Commerce, Dept of (DOC), Consumer Financial Protection Bureau (CFPB), Federal Aviation Administration (FAA), Federal Communications Commission (FCC), Federal Emergency Management Agency (FEMA), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Highway Traffic Safety Administration (NHTSA), Office of Management & Budget (OMB), SENATE, Securities & Exchange Commission (SEC), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Trade Representative (USTR)

H.R. 342 National Flood Insurance Program Mapping H.R. 420 Marijuana Products Regulation H.R. 469 Flood Insurance Coverage Rates H.R. 470 Mandatory Flood Insurance Coverage Repeal H.R. 471 Private Capital and Reinsurance Markets Risk Transfer H.R. 472 Alternative Flood Insurance Rate Maps H.R. 1402 Flood Maps Preparation Transfer H.R. 1418 Health Insurance Antitrust laws Application H.R. 1595 Cannabis Related Businesses Financial Services H.R. 1666 Private Flood Insurance Coverage H.R. 1689 Climate Change Advisory Commission Establishment H.R. 1756 Auto Insurance Consumer Reports Use Prohibition H.R. 1862 Federal Insurance Office Abolition S. 350 Health Insurance Federal Antitrust laws Application S. 420 Marijuana Products Taxation and Regulation S. 603 Financial Company Supervision Determination H.R. 2048 Consumer Products and Services Pricing H.R. 2318 National Flood Insurance Mapping H.R. 2479 Financial Stability Oversight Council Voting Member H.R. 2578 National Flood Insurance Program Extension Act of 2019 H.R. 2684 Auto Insurance Cost Disparities Study H.R. 3111 National Flood Insurance Reforms H.R. 3167 National Flood Insurance Program Reform H.R. 3183 Crop Insurance Eligibility H.R. 3258 Flood Insurance Rates Review S. 1108 Data Protection Impact Assessments S. 1144 National Flood Insurance Mapping S. 1200 Cannabis Related Business Financial Services Protection S. 1213 Health Insurance Reform Provision S. 1214 Individual and Collective Privacy Rights Protection S. 1520 National Flood Insurance Program Reauthorization S. 1531 Health Insurance Consumer Protections S. 1533 National Flood Insurance Program Reauthorization H.R. 3872 National Flood Insurance Program Reauthorization H.R. 4074 Cannabis Related Business Safe Harbor H.R. 4523 Risk Retention Groups Commercial Insurance Types S. 2088 Flood Area Community Accountability S. 2122 Flood Insurance Program Contract Termination Authority S. 2171 Flood Insurance Agents Continuing Education Requirement S. 2187 National Flood Insurance Program Reauthorization S. 2192 Flood Risk Reduction Funding Assistance S. 2201 Cannabis Related Business Insurers Safe Harbor H.R. 4634 Terrorism Risk Insurance Act Reauthorization H.R. 4652 Individual Market Reinsurance Fund Establishment S. 2877 Terrorism Risk Insurance Act S. 2964 Non Premium Aviation Insurance Authority Extension H.R. 1756 Auto Insurance Consumer Reports Use Prohibition H.R. 3693 Insurance Rate Income Proxies H.R. 5776 Flood Damaged Areas Accountability **Issues lobbied without specific bill number: COVID-19 Related Insurance Legislation, Business Interruption Insurance, Consumer Financial Protection Bureau Oversight of the Insurance Industry, Marijuana Financial Services H.R. 6494 Insurance Coverage for Business Interruption Losses H.R. 6497 Insurance Coverage for Business Interruption Losses H.R. 6800 HEROES Act Workers Compensation Provision H.R. 7011 Pandemic Risk Reinsurance Program H.R. 7412 Insurers Support Temporary Voluntary Program S. 3814 Loan Forgiveness Period Extension **Issues lobbied without specific bill number: Business Continuity Protection Program, COVID-19 personal and commercial insurance response and role, municipal services liability, judicial insurance antitrust consent decree

Client expense: $2,090,000 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), Commerce, Dept of (DOC), Federal Aviation Administration (FAA), Federal Emergency Management Agency (FEMA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Natl Economic Council (NEC), Natl Labor Relations Board (NLRB), SENATE, Transportation, Dept of (DOT), Treasury, Dept of, U.S. Trade Representative (USTR)

-Financial Services reform legislation regarding provisions affecting the regulation of insurance products and companies. -Issues related to implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act. -Issues related to international capital standards for insurance. -Issues related to Financial Stability Board oversight. -Issues related to House Financial Services. -Credit scores for auto insurance, HR 1756. -GSE reform/Federal Housing Finance Agency (FHFA) pilot programs. -Corporate governance (Environmental, Social, and Government investing). -Terrorism Risk Insurance Act (TRIA) reauthorization. -HUD Disparate Impact rule. -US International Development Finance Corporation (DFC). -Fintech/Insure Tech issues. -Risk-retention groups. -Issues related to the International Insurance Standards Act (HR 4592).

Client expense: $760,000 · Firm income: Not reported

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

General Issues related to the use of credit scoring and other non-driving data in the underwriting of auto insurance; H.R.1756 To amend the Fair Credit Reporting Act to prohibit the use of consumer reports and consumer information in making any determination involving auto insurance with respect to a consumer, and for other purposes; H.R. 2684, the FAIR Rates Act; Draft Legislation - the FAIR Study Act;

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R.1756 To amend the Fair Credit Reporting Act to prohibit the use of consumer reports and consumer information in making any determination involving auto insurance with respect to a consumer, and for other purposes; H.R. 2684, the FAIR Rates Act; Draft Legislation - the FAIR Study Act; H.R. 6201, the Families First Coronavirus Response Act. The Cares Act, Public Law 116-136.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to insurance regulation - both domestic and internationally, including H.R. 1756 - Preventing Credit Score Discrimination in Auto Insurance Act. Issues related to flood insurance, including H.R. 3111, the National Flood Insurance Program Administration Reform Act of 2019 and H.R. 3167, the National Flood Insurance Program Reauthorization Act of 2019

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

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

H.R. 1756 - To amend the Fair Credit Reporting Act to prohibit the use of consumer reports and consumer information in making any determination involving auto insurance with respect to a consumer, and for other purposes (Rashida Tlaib, D-MI-13) H.R.514 - To direct the Secretary of Transportation to prescribe a motor vehicle safety standard requiring motor vehicles to be equipped with an ignition interlock device that prevents a vehicle from being operated if the operator is intoxicated (Debbie Dingell, D-MI) H.R.1374 - To direct the Secretary of Transportation to issue regulations relating to commercial motor vehicle drivers under the age of 21, and for other purposes (Trey Hollingsworth, R-IN-9) S.665 - A bill to reduce the number of preventable deaths and injuries caused by underride crashes, to improve motor carrier and passenger motor vehicle safety, and for other purposes (Kirsten Gillibrand, D-NY) H.R.1511 - Stop Underrides Act - To reduce the number of preventable deaths and injuries caused by underride crashes, to improve motor carrier and passenger motor vehicle safety, and for other purposes (Steve Cohen, D-TN-9) H.R.3293 - Collision Avoidance Systems Act of 2019 - To amend title 49, United States Code, to permit the installation of pulsating light systems for high mounted stop lamps, and for other purposes (Eliot Engel, D-NY-16) H.R.2416 - To amend title 23, United States Code, to require the Secretary of Transportation to provide States applying for distracted driving grants an explanation of the eligibility decision with respect to such State, and for other purposes (Raja Krishnamoorthi, D-IL-8) H.R.2510 - To establish a voluntary program in the National Highway Traffic Safety Administration to encourage consumers to purchase or lease new automobiles made in the United States, and for other purposes (Rashida Tlaib, D-MI-13) S.1254 - A bill to require the Secretary of Transportation to review and report on certain laws, safety measures, and technologies relating to the illegal passing of school buses, and for other purposes (Todd Young, R-IN) H.R.2542 - To direct the Secretary of Transportation to make grants for the operation of a clearinghouse to collect, conduct, and fund research on the influences of highly automated vehicles on land use, urban design, transportation, real estate, and municipal budgets, and for other purposes (Earl Blumenauer, D-OR-3) H.R.3011 - End Drunk Driving Act of 2019 - To improve the safety of individuals by taking measures to end drunk driving (Kathleen Rice, D-NY-4) H.R.3159 - To amend title 23, United States Code, to create a pilot program concerning drugged driving prevention, and for other purposes (Carol Miller, R-WV-3) S.2033 - A bill to require the Secretary of Transportation to promulgate standards and regulations requiring all new commercial motor vehicles to be equipped with technology to limit maximum operating speed, to require existing speed-limiting technologies already installed in certain commercial motor vehicles to be used while in operation, and to require that maximum safe operating speed of commercial motor vehicles shall not exceed 65 miles per hour (Johnny Isakson, R-GA) H.R.3593 - To require the Secretary of Transportation to issue a rule requiring all new passenger motor vehicles to be equipped with a child safety alert system, and for other purposes (Tim Ryan, D-OH-13) S.2302 - America's Transportation Infrastructure Act of 2019 (John Barrasso, R-WY) H.R.3888 - To require the Administrator of the National Highway Traffic Safety Administration to conduct a study on motor vehicle safety and impaired driving, and for other purposes (Cathy McMorris Rodgers (R-WA-5) H.R.3890 - To require the Secretary of Transportation to provide funds to address motor vehicle safety and impaired driving, and for other purposes (Larry Bucshon, R-IN-8) S.2182 - A bill to protect consumers from security and privacy threats to their motor vehicles, and for other purposes (Ed Markey, D-MA) H.R.3888 - Impaired Driving Study Act of 2019 (Cathy McMorris Rodgers, R-WA-5) H.R.3890 - Combatting Impaired Driving Act of 2019 (Larry Bucshon, R-IN-8) H.R.3773 - To direct the Secretary of Transportation to prescribe a motor vehicle safety standard requiring new commercial motor vehicles to be equipped with an automatic emergency braking system, to require automatic emergency braking installed in commercial motor vehicles to be used while in operation, and for other purposes (Hank Johnson, D-GA-4) H.R.3628 - To require motor carriers to mitigate hardships due to unwarranted and excessive passenger delays and to assess fines to bolster motor carriers' accountability to consumers, and for other purposes (Bennie Thompson, D-MS-2) H.R.3612 - To repeal a section of the FAST Act, and for other purposes (Colin Allred, D-TX-32) H.R.3593 - Hot Cars Act of 2019 (Tim Ryan, D-OH-13) S.1601 - Helping Overcome Trauma for Children Alone in Rear Seats Act of 2019 (Roger Wicker, R-MS) H.R.4311 - End Discriminatory State Taxes for Automobile Renters Act of 2019 (Steve Cohen, D-TN-9) H.R.4354 - To direct the Secretary of Transportation to prescribe a motor vehicle safety standard requiring motor vehicles to be equipped with an advanced alcohol detection device that prevents a vehicle from being operated if the operator is intoxicated, to provide for a fleet demonstration of such devices, and for other purposes (Debbie Dingell, D-MI-12) H.R.3145 - Protecting Americans from the Risks of Keyless Ignition Technology Act (Janice Schakowsky, D-IL-9) H.R.3781 - Improving National Safety by Updating the Required Amount of Insurance Needed by Commercial Motor Vehicles per Event (INSURANCE) Act of 2019 (Jesus Chuy Garcia, D-IL-4) S.2604 - A bill to require the Administrator of the National Highway Traffic Safety Administration to work with vehicle manufacturers, suppliers, and other interested parties to advance the technology developed by the Driver Alcohol Detection System for Safety Research Program, and for other purposes (Tom Udall, D-NM) S.2611 - A bill to amend title 49, United States Code, to modify the definition of commercial motor vehicle, and for other purposes (Kirsten Gillibrand, D-NY) H.R.4697 - To amend title 49, United States Code, to modify the definition of commercial motor vehicle, and for other purposes (Antonio Delgado, D-NY-19) S.2605 - A bill to amend title 49, United States Code, to require the Secretary of Transportation to award grants to States that have enacted and are enforcing certain laws with respect to stretch limousines, and for other purposes (Chuck Schumer, D-NY) H.R.4709 - To direct the Secretary of Transportation to award grants to States that have enacted and are enforcing certain laws with respect to stretch limousines, and for other purposes (Paul Tonko, D-NY-20) S.2606 - A bill to establish safety standards for certain limousines, and for other purposes (Chuck Schumer, D-NY) H.R.4708 - To establish safety standards for certain limousines, and for other purposes (Paul Tonko, D-NY-20) S.2700 - A bill to amend title 23, United States Code, to provide for efforts relating to Move Over laws, to amend title 49, United States Code, to require crash avoidance technology on motor vehicles, and for other purposes (Dick Durbin, D-IL) H.R.4871 - To amend title 23, United States Code, to provide for efforts relating to Move Over laws, to amend title 49, United States Code, to require crash avoidance technology on motor vehicles, and for other purposes (Cheri Bustos, D-IL-17) S.3005 - A bill to require the Secretary of Transportation to promulgate standards and regulations requiring all new commercial motor vehicles to be equipped with technology to limit maximum operating speed, to require existing speed-limiting technologies already installed in commercial motor vehicles manufactured after 1992 to be used while in operation, and to require that the maximum safe operating speed of commercial motor vehicles shall not exceed 65 miles per hour, or 70 miles per hour with certain safety technologies (Johnny Isakson, R-GA) S.2979 - Preventing Opioid and Drug Impairment in Transportation Act (Roger Wicker, R-MS) H.R.5462 - To direct the Secretary of Transportation to take actions to address issues affecting motorcoach and school bus operators, and for other purposes (Scott Perry, R-PA-10) H.R.5426 - To require the Secretary of Transportation to conduct a study on the unsafe use of electric scooters, and for other purposes (Albio Sires, D-NJ-8) H.R.6256 - To require the National Highway Traffic Safety Administration to update the motor vehicle information required to be submitted to the Administration to assist a consumer in buying a passenger motor vehicle (Frank Pallone, Jr., D-NJ-6) H.R.7095 - To authorize funds for Federal-aid highways, highway safety programs, and transit programs, and for other purposes (Peter DeFazio, D-OR-4) H.R.2 - INVEST in America Act - To authorize funds for Federal-aid highways, highway safety programs, and transit programs, and for other purposes (Peter DeFazio, D-OR,4)

Client expense: $550,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Federal Emergency Management Agency (FEMA), 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)

Federal regulation of homeowners insurance; flood insurance; international insurance; financial regulatory reform; state workers' compensation programs; Fair Housing Act's Disparate Impact Standard; data security requirements; auto insurance consumer reports; auto insurance rate income proxies; highly autonomous vehicles; motor vehicle safety and impaired driving; marijuana impairment standard; marijuana/TRIA; COVID-19 related insurance legislation; business interruption insurance; Business Continuity Protection Program; DOJ consent decrees. H.R.1595, SAFE Banking Act of 2019; H.R.3111, National Flood Insurance Program Administrative Reform Act of 2019; H.R.3167, National Flood Insurance Program Reauthorization Act of 2019; H.R.1756, Preventing Credit Score Discrimination in Auto Insurance Act; H.R.3693, Prohibit Auto Insurance Discrimination Act; Appropriations for Fiscal Year 2021 (no specific bill numbers); H.R.748, CARES Act (P.L.116-136); H.R.6494, Business Interruption Insurance Coverage Act of 2020; H.R.6497, Never Again Small Business Protection Act of 2020; H.R.7011, Pandemic Risk Insurance Act of 2020.

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

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

Discussions related to the Federal Insurance Office H.R. 2093, STATES Act, all provisions H.R. 1595, SAFE Banking Act of 2019, all provisions - monitoring these bills H.R. 2684, FAIR RATES Act of 2019, all provisions - monitoring this bill H.R. 1756, the ""Preventing Credit Score Discrimination in Auto Insurance Act."" - monitoring this bill H.R. 6497: Never Again Small Business Protection Act - we oppose this bill H.R. 6494: Business Interruption Insurance Coverage Act of 2020' - we oppose this bill H.R. 7412, the Business Interruption Relief Act of 2020, - we oppose this bill H.R. 7001: The Pandemic Risk Insurance Act of 2020 - we oppose this bill

Client expense: $40,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

The CLAIM Act (H.R. 4037) related to: 1) the uniformity and reciprocity among states that license insurance claims adjusters; and 2) the prompt and efficient adjusting of insurance claims. The Protecting Your Credit Score Act of 2019 (H.R. 5332) and the Preventing Credit Score Discrimination in Auto Insurance Act (H.R. 1756) as they relate to factors used in insurance underwriting. H.R. 3621, the Comprehensive CREDIT Act of 2020, and proposed amendment by Rep. Jackson Lee related to GAO study for credit scores and insurance. Discussed the idea of a Federal Trade Commission study on the rising price and competitive landscape of automobile repair parts. H.R. 4523, the Nonprofit Property Protection Act, related to the availability of Risk Retention Groups to not-for-profit entities. H.R. 1595/S.1200, the SAFE Banking Act, cannabis legislation related to insurance and banking issues. Discussed generally the impact of climate risk on the business of insurance. Congressional efforts to better understand commercial use of artificial intelligence and its impact on consumers. The following bills as they relate to business interruption and pandemic insurance: 1) H.R.6494 - 116th Congress (2019-2020) Business Interruption Insurance Coverage Act of 2020; 2. H.R.7412 - 116th Congress (2019-2020); 3. H.R.7394 - 116th Congress (2019-2020); 4. H.R.6497 - 116th Congress (2019-2020) Never Again Small Business Protection Act of 2020; 6. H.R.6983 - 116th Congress (2019-2020) Pandemic Risk Insurance Act of 2020; 7. H.R.7011 - 116th Congress (2019-2020) Pandemic Risk Insurance Act of 2020; 8. H.R.748 (Pub. Law. No. 116-136) - 116th Congress (2019-2020) CARES Act; 9. S.3548 - 116th Congress (2019-2020) CARES Act.

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

Government targets: Centers For Medicare and Medicaid Services (CMS), Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE, Securities & Exchange Commission (SEC), Transportation, Dept of (DOT), Treasury, Dept of

HR 469 Using replacement cost value to determine premium rates for flood insurance; HR 470 Repeal mandatory flood insurance for commercial properties; HR 471 The Taxpayer Exposure Mitigation Act, requires the NFIP to purchase reinsurance; HR 472 The Community Mapping Act, allows communities to develop alternative flood insurance rate maps; HR 830 The Flood Insurance for Farmers Act, allows for repair and construction of structures within flood zones; HR 342 & HR 2318, The FIRM IT Act of 2019, seeks to improve mapping for the NFIP; HR 1666, allows for private flood insurance to meet continuous coverage requirements; HR 2578, the NFIP Extension Act of 2019, HR 3111 NFIP Administrative Reform Act of 2019; HR 3146 Fair Flood Insurance Act of 2019, which provides for monthly installment payments; HR 3167 NFIP Re-authorization Act of 2019; HR 3258 Flood Insurance Integrity Act of 2019; HR 3872/S 2187 NFIP Re-authorization and Reform Act of 2019; S 1144 Flood Insurance Rate Map Interagency Technology Act; S 1520 NFIP Extension Act of 2019; and S 1533 NFIP Extension Act . We are monitoring all legislation impacting the National Flood Insurance Program to insure that the program remains available and affordable for our customers. HR 1595 & S 1200 The SAFE Banking Act; also HR 4074 and S 1200 The CLAIM Act - Monitor efforts to facilitate financial services to legal cannabis-related businesses HR 1756 - The Preventing Credit Score Discrimination in Auto Insurance Act - monitoring this bill which could impact insurance underwriting HR 1862 and S 1586 - The Federal Insurance Office Abolishment Act of 2019 - monitor potential changes to FIO that would impact the insurance industry HR 4592 International Insurance Standards Act of 2019; support HR 6494 Business Interruption Insurance Coverage Act of 2020; oppose HR 6497 Never Again Small Business Protection Act; oppose HR 7011 Pandemic Risk Insurance Act; concerns with requiring insurance coverage for uninsurable events like pandemics HR 7412 Business Interruption Relief Act; oppose

Client expense: $90,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

PL-141-1 TRIA/NARAB II Implementation HFIAA (Homeowner Flood Insurance Affordability Act) Implementation HR 1666- to allow for continuous coverage of the NFIP (all provisions) HR 469- replacement cost coverage in NFIP (all provisions) HR 470- NFIP Mandatory Purchase Repeal for Commercial Properties (all provisions) HR 471- Taxpayer Exposure Mitigation Act (all provisions) HR 472- Community Mapping Act (all provisions) HR 1595- Safe Banking Act (insurance provisions) HR 1862- FIO Elimination Act (all provisions) HR 1756- Auto Insurance Credit Score Prohibition (all provisions) S 1028- Strengthening the Tenth Amendment Through Entrusting States Act (all provisions) S 1200- Secure and Fair Enforcement Banking Act (insurance provisions) HR 2513- Corporate Transparency Act (all provisions) HR 2578- NFIP Extension Act (all provisions) HR 3167- NFIP Reauthorization Act (all provisions) HR 3111- NFIP Administrative Reform Act (all provisions) TRIA Reauthorization S. 2187 - National Flood Insurance Program Reauthorization & Reform Act (all provisions) S. 2201/HR 4074- CLAIM Act (all provisions) S 1889- TITLE Act (All provisions) HR 4523- Expansion of Federal Liability Risk Retention Act (all provisions) HR 4592- International Insurance Standards Act of 2019 (all provisions) S. 2563- Illicit Cash Act (all provisions) S. 2877 - Terrorism Risk Insurance Program Reauthorization Act (all provisions) HR 4634- Terrorism Risk Insurance Program Reauthorization Act (all provisions) S. 2614 - Workforce Mobility Act (all provisions) HR 4037 - CLAIM Act (all provisions) S. 2968- Consumer Online Privacy Rights Act (all provisions) HR 2013 - Information Transparency & Personal Data Control Act (all provisions) HR 4074 - CLAIM Act (all provisions) Draft Fitzpatrick Business Interruption Legislation (all provisions) H.R.7011 - To establish a Pandemic Risk Reinsurance Program H.R.6497 - Never Again Small Business Protection Act of 2020 H.R.6494 - Business Interruption Insurance Coverage Act of 2020 H.R. 7412, the Business Interruption Relief Act of 2020 Draft COVID-19 Business and Employee Continuity Recovery Fund Draft Business Continuity Protection Program Draft the Build for Future Disasters Act

Client expense: $490,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Federal Emergency Management Agency (FEMA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Housing & Urban Development, Dept of (HUD), Labor, Dept of (DOL), Natl Economic Council (NEC), Office of Management & Budget (OMB), SENATE, Small Business Administration (SBA), Treasury, Dept of

-H.R.1756, Preventing Credit Score Discrimination in Auto Insurance Act - prohibit the use of consumer reports and consumer information in making any determination involving auto insurance -H.R.1862, To abolish the Federal Insurance Office of the Department of the Treasury -H.R.1595, SAFE Banking Act of 2019 - To create protections for depository institutions that provide financial services to cannabis-related legitimate businesses -H.R. 1832, Insurance Fairness for First Responders Act of 2019 - to prevent the denial of life insurance coverage for certain holders of Narcan/naloxone prescriptions -H.R. 1375, S. 1989 - Provide Accurate Information Directly (PAID) Act - to improve Medicare Secondary Payer process for Medicare Parts C and D -S. 603, Financial Stability Oversight Council Improvement Act of 2019 - to require the Financial Stability Oversight Council to consider alternative approaches before determining that a U.S. nonbank financial company shall be supervised by the Board of Governors of the Federal Reserve System -S.766, Providing Responsible Oversight of Trusts to Ensure Compensation and Transparency (PROTECT) for Asbestos Victims Act of 2019 - to promote the investigation of fraudulent claims against certain trusts and to provide penalties against fraudulent claims against certain trusts -H.R. 1185, S. 463, Family and Medical Insurance Leave (FAMILY) Act - To provide paid family and medical leave benefits to certain individuals -H.R.2013, Information Transparency & Personal Data Control Act - to require the Federal Trade Commission to promulgate regulations related to sensitive personal information -S. ___, Consumer Data Protection Act - to establish requirements and responsibilities for entities that use, store, or share personal information, to protect personal information -S.583, DATA Privacy Act - to establish federal data privacy standards S. 1028, H.R. 2093, Strengthening the Tenth Amendment Through Entrusting States (STATES) Act - creates safe harbor from federal laws when doing business with legal state marijuana business PL111-203, Dodd-Frank Wall Street Reform and Consumer Protection Act Issue: International Insurance Capital Standards S.1214 - A bill to establish and protect individual and collective privacy rights, and for other purposes. S. 1298, H.R. 2479, Primary Regulators of Insurance Vote Act - to include the State insurance commissioner as a voting member of the Financial Stability Oversight Council S. 1628, Paid Family Leave Pilot Extension Act - would extend the program until 2022. S.1586, H.R. 1862, Federal Insurance Office Abolishment Act of 2019 - This bill eliminates the Federal Insurance Office (FIO) within the Department of the Treasury H.R. 3279, A bill to require the Securities and Exchange Commission to establish a Diversity Advisory Group to study and make recommendations on strategies to increase gender, racial, and ethnic diversity among the members of the board of directors of issuers, to amend the Securities Exchange Act of 1934 to require issuers to make disclosures to shareholders with respect to gender, racial, and ethnic diversity, and for other purposes Insurance Underwriting Insurance Capital Standards Autonomous Vehicles Data Privacy and Security H.R. 3693 - Prohibit Auto Insurance Discrimination Act - prohibit private passenger automobile insurers from using certain income proxies to determine insurance rates and eligibility. H.R. 4075, S.2201, the Clarifying Law Around Insurance of Marijuana (CLAIM) Act - To create a safe harbor for insurers engaging in the business of insurance in connection with a cannabis-related business H.R. 2013 - Information Transparency & Personal Data Control Act - To require the Federal Trade Commission to promulgate regulations related to sensitive personal information H.R. __, S. ___, Business of Insurance Regulatory Reform Act - amend the Consumer Financial Protection Act of 2010 to clarify the authority of the Bureau of Consumer Financial Protection with respect to persons regulated by a State insurance regulator H.R. 1224, S. 511, Living Donor Protection Act - To promote and protect from discrimination living organ donors H.R.4592 -International Insurance Standards Act of 2019 (Budd-Heck) H.R. 2474, Protecting the Right to Organize (PRO) Act of 2019 - to amend labor requirements H.R. 4978, Online Privacy Act of 2019 - bill to establish federal data privacy framework. H.R. ___, Freezing Assets of Suspected Terrorists and Enemy Recruits (FASTER) Act -- require financial institutions to freeze the assets of people under suspicion of domestic terrorism H.R. 4523, Nonprofit Property Protection Act -- allows certain risk-retention groups that serve nonprofit organizations to offer additional types of commercial insurance. S. __ U.S. Consumer Data Privacy Act (USCDPA) - draft data privacy legislation (Wicker) S. ___, Consumer Online Privacy Rights Act of 2019 (COPRA) - draft data privacy legislation (Cantwell) H.R. ___, House Energy & Commerce Committee Staff Bipartisan Data Privacy Draft - data privacy H.R. ___, draft legislation to direct a federal study of factors impacting auto-insurance rates - auto insurance H.R. 535, PFAS Action Act - to increase EPA oversight of PFAS chemicals. H.R. 5494, the Catastrophe Loss Mitigation Incentive and Tax Parity Act of 2019 -- ensure that state-based grants received by homeowners for disaster mitigation are not be subject to federal income tax. Issue: Rising Cost of Auto Repair H.R. 3462/S. 1958, SHELTER Act -- to provide tax credits to property owners who make qualified mitigation investments (based on the model of long-standing energy tax credits). HR.3781, Improving National Safety by Updating the Required Amount of Insurance Needed by Commercial Motor Vehicles per Event (INSURANCE) Act of 2019 -- increase the minimum levels of insurance for commercial vehicles S.3300, Data Protection Act of 2020 - to establish a Federal data protection agency, and for other purposes. HR __, Insurance Data Protection Act - to reform FIO data requests. H.R. 224, Protect Taxpayer Dollars, Small Contractors, Suppliers and Workers - requiring indexing for Miller Act bonding requirements. HR 6359, Promoting Infrastructure by Protecting Our Subcontractors and Tax Payers Act - require bonds or sufficient security on public construction projects that receive federal financing from TIFIA loans DRAFT HR ___, Fair Auto Insurance Ratemaking (FAIR) Study Act of 2020 - to study discrimination in auto-insurance .R.7412, Business Interruption Relief Act of 2020 - Federal subsidies for insurers that pay Business Interruption losses caused by the Coronavirus HR 6494, Business Interruption Insurance Coverage Act- Invalidate existing virus exclusions and mandate future BI coverage DRAFT, Data Accountability and Transparency Act of 2020 - Federal data privacy law S.3456, Consumer Data Privacy and Security Act of 2020 - federal data privacy H.R. 2, Moving Forward Act - Transportation and highway infrastructure package including COVID, insurance, and motor safety provisions. HR 7011, Pandemic Risk Insurance Act (PRIA) of 2020 - Govt backed program modeled after TRIA DRAFT, Business Continuity Protection Program - Joint trades pandemic risk proposal DRAFT, COVID-19 Business and Employee Continuity and Recovery Fund - Recovery fund DRAFT, Workplace Recovery Act (WRA) - Establishes government-funded business interruption insurance add-on HR 6497, Never Again Small Business Protection Act - Prospective coverage mandate Issue: Employer COVID-19 Liability DRAFT, Coronavirus Liability Act - proposal to create a liability safe harbor for businesses H.R. 7197, Real Economic Support That Acknowledges Unique Restaurant Assistance Needed to Survive (RESTAURANTS) Act of 2020 - $120b restaurant grant program H.R. 6364, S. 3533, Securing and Enabling Commerce Using Remote and Electronic (SECURE) Notarization Act of 2020 - authorize minimum standards for electronic and remote notarizations Issue Diversity and Inclusion

Client expense: $1,140,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Labor, Dept of (DOL), SENATE, Securities & Exchange Commission (SEC), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Copyright Office, U.S. Postal Service (USPS)