FAIR RATES Act of 2019

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

-General interest in covered agreements. -International discussions on appropriate standards for insurers. -Implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act. -General interest in autonomous vehicle policy. -International Association of Insurance Supervisors (IAIS) development of an Insurance Capital Standard (ICS) including Federal Reserve Board and US Treasury and Federal Insurance Office participation. -General interest in data privacy. -Fair Auto Insurance Ratemaking Reporting to Allow a Transparent Evaluation of Statistics Act of 2019 (FAIR RATES Act of 2019), HR 2684. -Further Consolidated Appropriations Act, 2020 (HR 1865). -Issues relating to the Coronavirus Aid, Relief, and Economic Security (CARES) Act, HR 748/S 3548. -Issues relating to the Promoting Infrastructure by Protecting Our Subcontractors and Taxpayers Act, HR 6359. -Issues relating to insurance coverage for business interruption losses due to viral pandemics, forced closures of business, mandatory evacuations, and public safety power shut-offs, HR 6494. -Issues relating to insurance coverage for business interruption losses due to national emergencies, HR 6497. -Issues relating to business interruption insurance coverage during COVID-19, HR 7412. -Issues relating to the Pandemic Risk Insurance Act of 2020, HR 7011. -Issues relating to the Health and Economic Recovery Omnibus Emergency Solutions Act (HEROES Act), HR 2869. -Business liability reform - including S. 4371 (Cornyn) and other proposals.

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

"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

H.R. 1862 - To Abolish the Federal Insurance Office of the Department of the Treasury, and for other purposes (Alexander Mooney, R-WV-2) S.1586 - Federal Insurance Office Abolishment Act of 2019 (Ted Cruz, R-TX) H.R.2684 - To require the Federal Insurance Office of the Department of the Treasury to conduct a study to identify disparities between communities in auto insurance costs and payout amounts based on the predominant racial makeup of such communities, and for other purposes (Mark Takano, D-CA-41) S.1868 - A bill to provide support to States to establish invisible high-risk pool or reinsurance programs (Susan Collins, R-ME) H.R.2479 - Primary Regulators of Insurance Vote Act of 2019 (Denny Heck, D-WA-10) S.1298 - Primary Regulators of Insurance Vote Act of 2019 (Tim Scott, R-SC) H.R.4074 - To create a safe harbor for insurers engaging in the business of insurance in connection with a cannabis-related business, and for other purposes (Nydia Velazquez, D-NY-7) H.R.4037 - To promote uniformity and reciprocity among States that license insurance claims adjusters and to facilitate prompt and efficient adjusting of insurance claims, and for other purposes (David Kustoff, R-TN-8) S.2201 - CLAIM Act (Robert Menendez, D-NJ) oHouse bill: H.R.4074 (Nydia Velazquez, D-NY-7) H.R.3693 - Prohibit Auto Insurance Discrimination Act (Bonnie Watson Coleman, D-NJ-12) H.R.4523 - To amend the Liability Risk Retention Act of 1986 to expand the types of commercial insurance authorized for risk retention groups serving nonprofit organizations, and for other purposes (Al Green, D-TX-9) H.R.4592 - To preserve the State-based system of insurance regulation and provide greater oversight of and transparency on international insurance standards setting processes, and for other purposes (Denny Heck, D-WA-10) H.R.4598 - To amend the Internal Revenue Code of 1986 to provide an exemption from FIRPTA for interests held by certain foreign insurance companies (Thomas Suozzi, D-NY-3) H.R.4634 - Terrorism Risk Insurance Program Reauthorization Act of 2019 - To reauthorize the Terrorism Risk Insurance Act of 2002, and for other purposes (Maxine Waters, D-CA-43) S.2877 - Terrorism Risk Insurance Program Reauthorization Act of 2019 (Thom Tillis, R-NC) H.R.5265 - To provide for the restoration of legal rights for claimants under holocaust-era insurance policies (Debbie Wasserman Schultz, D-FL-23) S.3123 - State Insurance Regulation Preservation Act (Thom Tillis, R-NC) S.2964 - A bill to amend title 49, United States Code, to extend the authority of the Secretary of Transportation to issue non-premium aviation insurance (Roger Wicker, R-MS) H.R.5746 - To amend the Internal Revenue Code of 1986 to provide special rules for purposes of determining if financial guaranty insurance companies are qualifying insurance corporations under the passive foreign investment company rules (Gwen Moore, D-WI-4) H.R.7412 - To establish a temporary voluntary program for support of insurers providing business interruption insurance coverage during the COVID-19 pandemic, and for other purposes (Mike Thompson, D-CA-5) H.R.6494 - To make available insurance coverage for business interruption losses due to viral pandemics, forced closures of businesses, mandatory evacuations, and public safety power shut-offs, and for other purposes (Mike Thompson, D-CA-5) H.R.6497 - To make available insurance coverage for business interruption losses due to national emergencies, and for other purposes (Mike Thompson, D-CA-5) H.R.6732 - To direct the Secretary of the Treasury to modify certain regulations relating to insurance-dedicated exchange-traded funds (Brad Wenstrup, R-OH-2) H.R.7011 - To establish a Pandemic Risk Reinsurance Program, and for other purposes (Carolyn Maloney, D-NY-12) H.R.7977 - To require federally licensed firearms manufacturers, importers, and dealers and their employees to undergo annual training to be eligible to sell a firearm, to require a notice to be posted at retail firearms locations that describes the signs of unlawful firearms purchases, to require such licensees to maintain a minimum level of business liability insurance, and for other purposes (Debbie Mucarsel-Powell) S.4755 - A bill to prohibit private passenger automobile insurers from using certain income proxies to determine insurance rates and eligibility (Cory Booker, D-NJ) H.R.8576 - To require the Government Accountability Office to conduct biennial studies of personal private automobile insurance coverage, and for other purposes (Rashida Tlaib, D-MI-13) H.R.8872 - To amend the Federal Home Loan Bank Act to enable captive insurance companies to apply for membership in the Federal Home Loan Bank System, to add additional membership criteria for captive insurance companies, to require a study on Federal Home Loan Bank membership, and for other purposes (Trey Hollingsworth, R-IN-9)

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

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

-General interest in covered agreements. -International discussions on appropriate standards for insurers. -Implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act. -General interest in autonomous vehicle policy. -International Association of Insurance Supervisors (IAIS) development of an Insurance Capital Standard (ICS) including Federal Reserve Board and US Treasury and Federal Insurance Office participation. -General interest in data privacy. -Fair Auto Insurance Ratemaking Reporting to Allow a Transparent Evaluation of Statistics Act of 2019 (FAIR RATES Act of 2019), HR 2684. -Further Consolidated Appropriations Act, 2020 (HR 1865). -Issues relating to the Coronavirus Aid, Relief, and Economic Security (CARES) Act, HR 748/S 3548. -Issues relating to the Promoting Infrastructure by Protecting Our Subcontractors and Taxpayers Act, HR 6359. -Issues relating to insurance coverage for business interruption losses due to viral pandemics, forced closures of business, mandatory evacuations, and public safety power shut-offs, HR 6494. -Issues relating to insurance coverage for business interruption losses due to national emergencies, HR 6497. -Issues relating to business interruption insurance coverage during COVID-19, HR 7412. -Issues relating to the Pandemic Risk Insurance Act of 2020, HR 7011. -Issues relating to the Health and Economic Recovery Omnibus Emergency Solutions Act (HEROES Act), HR 2869. -Business liability reform - including S. 4371 (Cornyn) and other proposals.

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

"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

H.R. 1862 - To Abolish the Federal Insurance Office of the Department of the Treasury, and for other purposes (Alexander Mooney, R-WV-2) , ALL PROVISIONS S.1586 - Federal Insurance Office Abolishment Act of 2019 (Ted Cruz, R-TX) , ALL PROVISIONS H.R.2684 - To require the Federal Insurance Office of the Department of the Treasury to conduct a study to identify disparities between communities in auto insurance costs and payout amounts based on the predominant racial makeup of such communities, and for other purposes (Mark Takano, D-CA-41) , ALL PROVISIONS S.1868 - A bill to provide support to States to establish invisible high-risk pool or reinsurance programs (Susan Collins, R-ME) , ALL PROVISIONS H.R.2479 - Primary Regulators of Insurance Vote Act of 2019 (Denny Heck, D-WA-10) , ALL PROVISIONS S.1298 - Primary Regulators of Insurance Vote Act of 2019 (Tim Scott, R-SC) , ALL PROVISIONS H.R.4074 - To create a safe harbor for insurers engaging in the business of insurance in connection with a cannabis-related business, and for other purposes (Nydia Velazquez, D-NY-7) , ALL PROVISIONS H.R.4037 - To promote uniformity and reciprocity among States that license insurance claims adjusters and to facilitate prompt and efficient adjusting of insurance claims, and for other purposes (David Kustoff, R-TN-8) , ALL PROVISIONS S.2201 - CLAIM Act (Robert Menendez, D-NJ) oHouse bill: H.R.4074 (Nydia Velazquez, D-NY-7) , ALL PROVISIONS H.R.3693 - Prohibit Auto Insurance Discrimination Act (Bonnie Watson Coleman, D-NJ-12) , ALL PROVISIONS H.R.4523 - To amend the Liability Risk Retention Act of 1986 to expand the types of commercial insurance authorized for risk retention groups serving nonprofit organizations, and for other purposes (Al Green, D-TX-9) , ALL PROVISIONS H.R.4592 - To preserve the State-based system of insurance regulation and provide greater oversight of and transparency on international insurance standards setting processes, and for other purposes (Denny Heck, D-WA-10) , ALL PROVISIONS H.R.4598 - To amend the Internal Revenue Code of 1986 to provide an exemption from FIRPTA for interests held by certain foreign insurance companies (Thomas Suozzi, D-NY-3) , ALL PROVISIONS H.R.5265 - To provide for the restoration of legal rights for claimants under holocaust-era insurance policies (Debbie Wasserman Schultz, D-FL-23) , ALL PROVISIONS S.3123 - State Insurance Regulation Preservation Act (Thom Tillis, R-NC) , ALL PROVISIONS S.2964 - A bill to amend title 49, United States Code, to extend the authority of the Secretary of Transportation to issue non-premium aviation insurance (Roger Wicker, R-MS) , ALL PROVISIONS H.R.5746 - To amend the Internal Revenue Code of 1986 to provide special rules for purposes of determining if financial guaranty insurance companies are qualifying insurance corporations under the passive foreign investment company rules (Gwen Moore, D-WI-4) , ALL PROVISIONS H.R.7412 - To establish a temporary voluntary program for support of insurers providing business interruption insurance coverage during the COVID-19 pandemic, and for other purposes (Mike Thompson, D-CA-5) , ALL PROVISIONS H.R.6494 - To make available insurance coverage for business interruption losses due to viral pandemics, forced closures of businesses, mandatory evacuations, and public safety power shut-offs, and for other purposes (Mike Thompson, D-CA-5) , ALL PROVISIONS H.R.6497 - To make available insurance coverage for business interruption losses due to national emergencies, and for other purposes (Mike Thompson, D-CA-5) , ALL PROVISIONS H.R.6732 - To direct the Secretary of the Treasury to modify certain regulations relating to insurance-dedicated exchange-traded funds (Brad Wenstrup, R-OH-2) , ALL PROVISIONS H.R.7011 - To establish a Pandemic Risk Reinsurance Program, and for other purposes (Carolyn Maloney, D-NY-12) , ALL PROVISIONS H.R.7977 - To require federally licensed firearms manufacturers, importers, and dealers and their employees to undergo annual training to be eligible to sell a firearm, to require a notice to be posted at retail firearms locations that describes the signs of unlawful firearms purchases, to require such licensees to maintain a minimum level of business liability insurance, and for other purposes (Debbie Mucarsel-Powell) , ALL PROVISIONS S.4755 - A bill to prohibit private passenger automobile insurers from using certain income proxies to determine insurance rates and eligibility (Cory Booker, D-NJ) , ALL PROVISIONS

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

-General interest in covered agreements. -International discussions on appropriate standards for insurers. -Implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act. -General interest in autonomous vehicle policy. -International Association of Insurance Supervisors (IAIS) development of an Insurance Capital Standard (ICS) including Federal Reserve Board and US Treasury and Federal Insurance Office participation. -General interest in data privacy. -Fair Auto Insurance Ratemaking Reporting to Allow a Transparent Evaluation of Statistics Act of 2019 (FAIR RATES Act of 2019), HR 2684. -Further Consolidated Appropriations Act, 2020 (HR 1865). -Issues relating to the Coronavirus Aid, Relief, and Economic Security (CARES) Act, HR 748/S 3548. -Issues relating to the Promoting Infrastructure by Protecting Our Subcontractors and Taxpayers Act, HR 6359. -Issues relating to insurance coverage for business interruption losses due to viral pandemics, forced closures of business, mandatory evacuations, and public safety power shut-offs, HR 6494. -Issues relating to insurance coverage for business interruption losses due to national emergencies, HR 6497. -Issues relating to business interruption insurance coverage during COVID-19, HR 7412. -Issues relating to the Pandemic Risk Insurance Act of 2020, HR 7011. -Issues relating to the Health and Economic Recovery Omnibus Emergency Solutions Act (HEROES Act), HR 2869.

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

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

H.R. 1862 - To Abolish the Federal Insurance Office of the Department of the Treasury, and for other purposes (Alexander Mooney, R-WV-2) S.1586 - Federal Insurance Office Abolishment Act of 2019 (Ted Cruz, R-TX) H.R.2684 - To require the Federal Insurance Office of the Department of the Treasury to conduct a study to identify disparities between communities in auto insurance costs and payout amounts based on the predominant racial makeup of such communities, and for other purposes (Mark Takano, D-CA-41) S.1868 - A bill to provide support to States to establish invisible high-risk pool or reinsurance programs (Susan Collins, R-ME) H.R.2479 - Primary Regulators of Insurance Vote Act of 2019 (Denny Heck, D-WA-10) S.1298 - Primary Regulators of Insurance Vote Act of 2019 (Tim Scott, R-SC) H.R.4074 - To create a safe harbor for insurers engaging in the business of insurance in connection with a cannabis-related business, and for other purposes (Nydia Velazquez, D-NY-7) H.R.4037 - To promote uniformity and reciprocity among States that license insurance claims adjusters and to facilitate prompt and efficient adjusting of insurance claims, and for other purposes (David Kustoff, R-TN-8) S.2201 - CLAIM Act (Robert Menendez, D-NJ) oHouse bill: H.R.4074 (Nydia Velazquez, D-NY-7) H.R.3693 - Prohibit Auto Insurance Discrimination Act (Bonnie Watson Coleman, D-NJ-12) H.R.4523 - To amend the Liability Risk Retention Act of 1986 to expand the types of commercial insurance authorized for risk retention groups serving nonprofit organizations, and for other purposes (Al Green, D-TX-9) H.R.4592 - To preserve the State-based system of insurance regulation and provide greater oversight of and transparency on international insurance standards setting processes, and for other purposes (Denny Heck, D-WA-10) H.R.4598 - To amend the Internal Revenue Code of 1986 to provide an exemption from FIRPTA for interests held by certain foreign insurance companies (Thomas Suozzi, D-NY-3) H.R.4634 - Terrorism Risk Insurance Program Reauthorization Act of 2019 - To reauthorize the Terrorism Risk Insurance Act of 2002, and for other purposes (Maxine Waters, D-CA-43) S.2877 - Terrorism Risk Insurance Program Reauthorization Act of 2019 (Thom Tillis, R-NC) H.R.5265 - To provide for the restoration of legal rights for claimants under holocaust-era insurance policies (Debbie Wasserman Schultz, D-FL-23) S.3123 - State Insurance Regulation Preservation Act (Thom Tillis, R-NC) S.2964 - A bill to amend title 49, United States Code, to extend the authority of the Secretary of Transportation to issue non-premium aviation insurance (Roger Wicker, R-MS) H.R.5746 - To amend the Internal Revenue Code of 1986 to provide special rules for purposes of determining if financial guaranty insurance companies are qualifying insurance corporations under the passive foreign investment company rules (Gwen Moore, D-WI-4) H.R.7412 - To establish a temporary voluntary program for support of insurers providing business interruption insurance coverage during the COVID-19 pandemic, and for other purposes (Mike Thompson, D-CA-5) H.R.6494 - To make available insurance coverage for business interruption losses due to viral pandemics, forced closures of businesses, mandatory evacuations, and public safety power shut-offs, and for other purposes (Mike Thompson, D-CA-5) H.R.6497 - To make available insurance coverage for business interruption losses due to national emergencies, and for other purposes (Mike Thompson, D-CA-5) H.R.6732 - To direct the Secretary of the Treasury to modify certain regulations relating to insurance-dedicated exchange-traded funds (Brad Wenstrup, R-OH-2) H.R.7011 - To establish a Pandemic Risk Reinsurance Program, and for other purposes (Carolyn Maloney, D-NY-12)

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

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. 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

-General interest in covered agreements. -International discussions on appropriate standards for insurers. -Implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act. -General interest in autonomous vehicle policy. -International Association of Insurance Supervisors (IAIS) development of an Insurance Capital Standard (ICS) including Federal Reserve Board and US Treasury and Federal Insurance Office participation. -General interest in data privacy. -Fair Auto Insurance Ratemaking Reporting to Allow a Transparent Evaluation of Statistics Act of 2019 (FAIR RATES Act of 2019), HR 2684. -Further Consolidated Appropriations Act, 2020 (HR 1865). -Issues relating to the Coronavirus Aid, Relief, and Economic Security (CARES) Act, HR 748/S 3548. -Issues relating to the Promoting Infrastructure by Protecting Our Subcontractors and Taxpayers Act, HR 6359. -Issues relating to insurance coverage for business interruption losses due to viral pandemics, forced closures of business, mandatory evacuations, and public safety power shut-offs, HR 6494. -Issues relating to insurance coverage for business interruption losses due to national emergencies, HR 6497.

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

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. 748, the Coronavirus Aid, Relief, and Economic Security Act (CARES); H.R. 6201, the Families First Coronavirus Response Act.

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

Government targets: HOUSE OF REPRESENTATIVES, 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

Client expense: $45,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 1862 - To Abolish the Federal Insurance Office of the Department of the Treasury, and for other purposes (Alexander Mooney, R-WV-2), ALL PROVISIONS S.1586 - Federal Insurance Office Abolishment Act of 2019 (Ted Cruz, R-TX), ALL PROVISIONS H.R.2684 - To require the Federal Insurance Office of the Department of the Treasury to conduct a study to identify disparities between communities in auto insurance costs and payout amounts based on the predominant racial makeup of such communities, and for other purposes (Mark Takano, D-CA-41), ALL PROVISIONS S.1868 - A bill to provide support to States to establish invisible high-risk pool or reinsurance programs (Susan Collins, R-ME), ALL PROVISIONS H.R.2479 - Primary Regulators of Insurance Vote Act of 2019 (Denny Heck, D-WA-10), ALL PROVISIONS S.1298 - Primary Regulators of Insurance Vote Act of 2019 (Tim Scott, R-SC), ALL PROVISIONS H.R.4074 - To create a safe harbor for insurers engaging in the business of insurance in connection with a cannabis-related business, and for other purposes (Nydia Velazquez, D-NY-7), ALL PROVISIONS H.R.4037 - To promote uniformity and reciprocity among States that license insurance claims adjusters and to facilitate prompt and efficient adjusting of insurance claims, and for other purposes (David Kustoff, R-TN-8), ALL PROVISIONS S.2201 - CLAIM Act (Robert Menendez, D-NJ), ALL PROVISIONS oHouse bill: H.R.4074 (Nydia Velazquez, D-NY-7), ALL PROVISIONS H.R.3693 - Prohibit Auto Insurance Discrimination Act (Bonnie Watson Coleman, D-NJ-12), ALL PROVISIONS H.R.4523 - To amend the Liability Risk Retention Act of 1986 to expand the types of commercial insurance authorized for risk retention groups serving nonprofit organizations, and for other purposes (Al Green, D-TX-9), ALL PROVISIONS H.R.4592 - To preserve the State-based system of insurance regulation and provide greater oversight of and transparency on international insurance standards setting processes, and for other purposes (Denny Heck, D-WA-10), ALL PROVISIONS H.R.4598 - To amend the Internal Revenue Code of 1986 to provide an exemption from FIRPTA for interests held by certain foreign insurance companies (Thomas Suozzi, D-NY-3), ALL PROVISIONS H.R.4634 - Terrorism Risk Insurance Program Reauthorization Act of 2019 - To reauthorize the Terrorism Risk Insurance Act of 2002, and for other purposes (Maxine Waters, D-CA-43), ALL PROVISIONS S.2877 - Terrorism Risk Insurance Program Reauthorization Act of 2019 (Thom Tillis, R-NC), ALL PROVISIONS H.R.5265 - To provide for the restoration of legal rights for claimants under holocaust-era insurance policies (Debbie Wasserman Schultz, D-FL-23), ALL PROVISIONS S.3123 - State Insurance Regulation Preservation Act (Thom Tillis, R-NC), ALL PROVISIONS S.2964 - A bill to amend title 49, United States Code, to extend the authority of the Secretary of Transportation to issue non-premium aviation insurance (Roger Wicker, R-MS), ALL PROVISIONS H.R.5746 - To amend the Internal Revenue Code of 1986 to provide special rules for purposes of determining if financial guaranty insurance companies are qualifying insurance corporations under the passive foreign investment company rules (Gwen Moore, D-WI-4), ALL PROVISIONS

-General interest in covered agreements. -International discussions on appropriate standards for insurers. -Implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act. -National Flood Insurance Program (NFIP)Reauthorization. -General interest in autonomous vehicle policy. -International Association of Insurance Supervisors (IAIS) development of an Insurance Capital Standard (ICS) including Federal Reserve Board and US Treasury and Federal Insurance Office participation. -General interest in data privacy. -Fair Auto Insurance Ratemaking Reporting to Allow a Transparent Evaluation of Statistics Act of 2019 (FAIR RATES Act of 2019), HR 2684. -Further Consolidated Appropriations Act, 2020 (HR 1865).

Client expense: $710,000 · 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

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

-General interest in covered agreements. -International discussions on appropriate standards for insurers. -Implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act. -National Flood Insurance Program (NFIP)Reauthorization. -General interest in autonomous vehicle policy. -International Association of Insurance Supervisors (IAIS) development of an Insurance Capital Standard (ICS) including Federal Reserve Board and US Treasury and Federal Insurance Office participation. -General interest in data privacy. -Fair Auto Insurance Ratemaking Reporting to Allow a Transparent Evaluation of Statistics Act of 2019 (FAIR RATES Act of 2019), HR 2684. -Further Consolidated Appropriations Act, 2020 (HR 1865).

Client expense: $710,000 · 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

H.R. 1862 - To Abolish the Federal Insurance Office of the Department of the Treasury, and for other purposes (Alexander Mooney, R-WV-2) , ALL PROVISIONS S.1586 - Federal Insurance Office Abolishment Act of 2019 (Ted Cruz, R-TX) , ALL PROVISIONS H.R.2684 - To require the Federal Insurance Office of the Department of the Treasury to conduct a study to identify disparities between communities in auto insurance costs and payout amounts based on the predominant racial makeup of such communities, and for other purposes (Mark Takano, D-CA-41) , ALL PROVISIONS S.1868 - A bill to provide support to States to establish invisible high-risk pool or reinsurance programs (Susan Collins, R-ME) , ALL PROVISIONS H.R.2479 - Primary Regulators of Insurance Vote Act of 2019 (Denny Heck, D-WA-10) , ALL PROVISIONS S.1298 - Primary Regulators of Insurance Vote Act of 2019 (Tim Scott, R-SC) , ALL PROVISIONS H.R.4074 - To create a safe harbor for insurers engaging in the business of insurance in connection with a cannabis-related business, and for other purposes (Nydia Velazquez, D-NY-7) , ALL PROVISIONS H.R.4037 - To promote uniformity and reciprocity among States that license insurance claims adjusters and to facilitate prompt and efficient adjusting of insurance claims, and for other purposes (David Kustoff, R-TN-8) , ALL PROVISIONS S.2201 - CLAIM Act (Robert Menendez, D-NJ) oHouse bill: H.R.4074 (Nydia Velazquez, D-NY-7) , ALL PROVISIONS H.R.3693 - Prohibit Auto Insurance Discrimination Act (Bonnie Watson Coleman, D-NJ-12) , ALL PROVISIONS H.R.4523 - To amend the Liability Risk Retention Act of 1986 to expand the types of commercial insurance authorized for risk retention groups serving nonprofit organizations, and for other purposes (Al Green, D-TX-9) , ALL PROVISIONS H.R.4592 - To preserve the State-based system of insurance regulation and provide greater oversight of and transparency on international insurance standards setting processes, and for other purposes (Denny Heck, D-WA-10) , ALL PROVISIONS H.R.4592 - To preserve the State-based system of insurance regulation and provide greater oversight of and transparency on international insurance standards setting processes, and for other purposes (Denny Heck, D-WA-10), ALL PROVISIONS H.R.4598 - To amend the Internal Revenue Code of 1986 to provide an exemption from FIRPTA for interests held by certain foreign insurance companies (Thomas Suozzi, D-NY-3) , ALL PROVISIONS H.R.4634 - Terrorism Risk Insurance Program Reauthorization Act of 2019 - To reauthorize the Terrorism Risk Insurance Act of 2002, and for other purposes (Maxine Waters, D-CA-43) , ALL PROVISIONS S.2877 - Terrorism Risk Insurance Program Reauthorization Act of 2019 (Thom Tillis, R-NC) , ALL PROVISIONS H.R.5265 - To provide for the restoration of legal rights for claimants under holocaust-era insurance policies (Debbie Wasserman Schultz, D-FL-23) , ALL PROVISIONS S.3123 - State Insurance Regulation Preservation Act (Thom Tillis, R-NC) , ALL PROVISIONS S.2964 - A bill to amend title 49, United States Code, to extend the authority of the Secretary of Transportation to issue non-premium aviation insurance (Roger Wicker, R-MS) , ALL PROVISIONS

US S 2877 Terrorism Risk Insurance Program Reauthorization Act US HR 4634 Terrorism Risk Insurance Program Reauthorization Act 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

Client expense: $42,500 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 1862 - To Abolish the Federal Insurance Office of the Department of the Treasury, and for other purposes (Alexander Mooney, R-WV-2) , ALL PROVISIONS S.1586 - Federal Insurance Office Abolishment Act of 2019 (Ted Cruz, R-TX) , ALL PROVISIONS H.R.2684 - To require the Federal Insurance Office of the Department of the Treasury to conduct a study to identify disparities between communities in auto insurance costs and payout amounts based on the predominant racial makeup of such communities, and for other purposes (Mark Takano, D-CA-41) , ALL PROVISIONS S.1868 - A bill to provide support to States to establish invisible high-risk pool or reinsurance programs (Susan Collins, R-ME) , ALL PROVISIONS H.R.2479 - Primary Regulators of Insurance Vote Act of 2019 (Denny Heck, D-WA-10) , ALL PROVISIONS S.1298 - Primary Regulators of Insurance Vote Act of 2019 (Tim Scott, R-SC) , ALL PROVISIONS H.R.4074 - To create a safe harbor for insurers engaging in the business of insurance in connection with a cannabis-related business, and for other purposes (Nydia Velazquez, D-NY-7) , ALL PROVISIONS H.R.4037 - To promote uniformity and reciprocity among States that license insurance claims adjusters and to facilitate prompt and efficient adjusting of insurance claims, and for other purposes (David Kustoff, R-TN-8) , ALL PROVISIONS S.2201 - CLAIM Act (Robert Menendez, D-NJ) oHouse bill: H.R.4074 (Nydia Velazquez, D-NY-7) , ALL PROVISIONS H.R.3693 - Prohibit Auto Insurance Discrimination Act (Bonnie Watson Coleman, D-NJ-12) , ALL PROVISIONS H.R.4523 - To amend the Liability Risk Retention Act of 1986 to expand the types of commercial insurance authorized for risk retention groups serving nonprofit organizations, and for other purposes (Al Green, D-TX-9) , ALL PROVISIONS H.R.4592 - To preserve the State-based system of insurance regulation and provide greater oversight of and transparency on international insurance standards setting processes, and for other purposes (Denny Heck, D-WA-10) , ALL PROVISIONS

Support S. 331 / HR 963 which restores comprehensive HMDA reporting requirements to 25 for mortgages and 100 for HELOCs with the exclusion for banks and credit unions with fewer than $30 million in assets Support the H.R. 1500, the Consumer First Act, which reestablishes the vitality of the CFPB Oppose proposal by Senator Crapo to privatize Fannie Mae and Freddie Mac Oppose the CFPB proposal to delay its 2017 payday lending ability-to-repay rule Support H.R. 1018, which instructs companies to disclose the race, ethnicity, gender, Veterans status and disability status of members of their Boards of Directors and C-Suite level executives. Support hr 2684, the FAIR RATES Act, which directs the Federal Insurance Office (FIO) to collect specific loss data from large auto insurance providers, publicly disclose the data, and submit an analysis Support the ATR-QM rule coinciding with the expiration of the GSE Patch; support the elimination Eliminate the debt-to-income (DTI) ratio threshold and the associated Appendix Q; Support maintaining and enhancing the existing ATR regulatory language; and maintaining the existing QM statutory safe product restrictions that prohibit certain risky loan features (e.g., no terms over 30 years, no negative amortization, no interest-only payments, no balloon payments, documented and verified income, etc.).to Congress on disparate impact along racial lines in automobile insurance Support HR 4254, the Overdraft Protection Act of 2019. This legislation will address the most abusive provisions of todays typical overdraft coverage Oppose the debt collection rule as proposed by the CFPB as it does far more to protect abusive debt collectors than consumers. The proposal opens consumers up to harassment, abuse and violations of their privacy by telephone, email, text and other means; obscures information about consumers rights; and protects debt collectors and collection attorneys who pursue debts after the legal deadline or with false, deceptive or misleading representations. CFPB must strengthen the rule to fulfill the Bureaus obligation to faithfully implement the Fair Debt Collection Practices Acts (FDCPA) Support the development of any proposed changes to the Community Reinvestment Act (CRA) are developed carefully and refrain from enacting reforms that would undercut CRAs effectiveness Support the letter drafted by Senator Brown to the CFPB regarding its Notice of Proposed Rulemaking regarding Ability to Repay (ATR) and Qualified Mortgages (QM). The letter urged the CFPB to consider the letter and intent of the ATR and QM statutory requirements to ensure that: (1) borrowers maintain at least the same level of access to responsible, affordable mortgage credit that they have today; and (2) all mortgage loans are made based on a demonstrated ability to repay analysis that relies on documented and verified income and is itself documented and subject to examination by the Bureau and other regulators Oppose the CFPBs Notice of Proposed Rulemaking regarding Ability to Repay (ATR) and Qualified Mortgages (QM). Urge the CFPB to consider the letter and intent of the ATR and QM statutory requirements to ensure that: (1) borrowers maintain at least the same level of access to responsible, affordable mortgage credit that they have today; and (2) all mortgage loans are made based on a demonstrated ability to repay analysis that relies on documented and verified income and is itself documented and subject to examination by the Bureau and other regulators Support a letter by Congressman Meeks and Senator Brown to OCC Comptroller Otting, Federal Reserve Chairman Powell, and FDIC Chair McWilliams which says that any updates to the Community Reinvestment Act must be consistent with its original purpose of bringing financial services and credit access to low-income and underserved communities that continue to bear the legacy of redlining and blatant discrimination Support real-time payments; support efforts by the Federal Reserve to develop a real-time payment plan; support the inclusion of civil right protections in any and all real-time payment plans

Support S. 331 / HR 963, which restores comprehensive HMDA reporting requirements to 25 for mortgages and 100 for HELOCs with the exclusion for banks and credit unions with fewer than $30 million in assetts Support the H.R. 1500, the Consumer First Act, which reestablishes the vitality of the CFPB Oppose proposal by Senator Crapo to privatize Fannie Mae and Freddie Mac Support H.R. 1018, which instructs companies to disclose the race, ethnicity, gender, Veterans status and disability status of members of their Boards of Directors and C-Suite level executives. Support hr 2684, the FAIR RATES Act, which directs the Federal Insurance Office (FIO) to collect specific loss data from large auto insurance providers, publicly disclose the data, and submit an analysis to Congress on disparate impact along racial lines in automobile insurance Support HR 4254, the Overdraft Protection Act of 2019. This legislation will address the most abusive provisions of todays typical overdraft coverage Support the development of any proposed changes to the Community Reinvestment Act (CRA) are developed carefully and refrain from enacting reforms that would undercut CRAs effectiveness Support the letter drafted by Senator Brown to the CFPB regarding its Notice of Proposed Rulemaking regarding Ability to Repay (ATR) and Qualified Mortgages (QM). Urge the CFPB to consider the letter and intent of the ATR and QM statutory requirements to ensure that: (1) borrowers maintain at least the same level of access to responsible, affordable mortgage credit that they have today; and (2) all mortgage loans are made based on a demonstrated ability to repay analysis that relies on documented and verified income and is itself documented and subject to examination by the Bureau and other regulators Support real-time payments; support efforts by the Federal Reserve to develop a real-time payment plan; support the inclusion of civil right protections in any and all real-time payment plans

Support hr 2684, the FAIR RATES Act, which directs the Federal Insurance Office (FIO) to collect specific loss data from large auto insurance providers, publicly disclose the data, and submit an analysis to Congress on disparate impact along racial lines in automobile insurance

Client expense: $72,500 · Firm income: Not reported

Government targets: Alcohol & Tobacco Tax & Trade Bureau (TTB), Army, Dept of (Corps of Engineers), Bureau of Alcohol Tobacco Firearms & Explosives, Bureau of Citizenship & Immigration Services (BCIS), Bureau of the Census, Centers For Disease Control & Prevention (CDC), Consumer Financial Protection Bureau (CFPB), Defense, Dept of (DOD), Economic Development Administration, Education, Dept of, Environmental Protection Agency (EPA), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Motor Carrier Safety Administration, Federal Reserve System, Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), Office of Management & Budget (OMB), Office of Personnel Management (OPM), Office of Policy Development, Office of the Comptroller of the Currency (OCC), SENATE, Small Business Administration (SBA), State, Dept of (DOS), Treasury, Dept of, U.S. Customs & Border Protection, U.S. Immigration & Customs Enforcement (ICE), White House Office

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

-General interest in covered agreements. -International discussions on appropriate standards for insurers. -Implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act. -National Flood Insurance Program (NFIP)Reauthorization. -General interest in autonomous vehicle policy. -International Association of Insurance Supervisors (IAIS) development of an Insurance Capital Standard (ICS) including Federal Reserve Board and US Treasury and Federal Insurance Office participation. -General interest in data privacy. -Fair Auto Insurance Ratemaking Reporting to Allow a Transparent Evaluation of Statistics Act of 2019 (FAIR RATES Act of 2019), HR 2684.

Client expense: $850,000 · 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

H.R. 1862 - To Abolish the Federal Insurance Office of the Department of the Treasury, and for other purposes (Alexander Mooney, R-WV-2) , ALL PROVISIONS S.1586 - Federal Insurance Office Abolishment Act of 2019 (Ted Cruz, R-TX) , ALL PROVISIONS H.R.2684 - To require the Federal Insurance Office of the Department of the Treasury to conduct a study to identify disparities between communities in auto insurance costs and payout amounts based on the predominant racial makeup of such communities, and for other purposes (Mark Takano, D-CA-41) , ALL PROVISIONS S.1868 - A bill to provide support to States to establish invisible high-risk pool or reinsurance programs (Susan Collins, R-ME) , ALL PROVISIONS H.R.2479 - Primary Regulators of Insurance Vote Act of 2019 (Denny Heck, D-WA-10) , ALL PROVISIONS S.1298 - Primary Regulators of Insurance Vote Act of 2019 (Tim Scott, R-SC) , ALL PROVISIONS H.R.4074 - To create a safe harbor for insurers engaging in the business of insurance in connection with a cannabis-related business, and for other purposes (Nydia Velazquez, D-NY-7) , ALL PROVISIONS H.R.4037 - To promote uniformity and reciprocity among States that license insurance claims adjusters and to facilitate prompt and efficient adjusting of insurance claims, and for other purposes (David Kustoff, R-TN-8) , ALL PROVISIONS S.2201 - CLAIM Act (Robert Menendez, D-NJ) oHouse bill: H.R.4074 (Nydia Velazquez, D-NY-7) , ALL PROVISIONS H.R.3693 - Prohibit Auto Insurance Discrimination Act (Bonnie Watson Coleman, D-NJ-12) , ALL PROVISIONS H.R.4523 - To amend the Liability Risk Retention Act of 1986 to expand the types of commercial insurance authorized for risk retention groups serving nonprofit organizations, and for other purposes (Al Green, D-TX-9) , ALL PROVISIONS H.R.4592 - To preserve the State-based system of insurance regulation and provide greater oversight of and transparency on international insurance standards setting processes, and for other purposes (Denny Heck, D-WA-10) , ALL PROVISIONS

Discussions related to the reauthorization of the Terrorism Risk Insurance Act. 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

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

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

Client expense: $1,840,000 · Firm income: Not reported

-General interest in covered agreements. -International discussions on appropriate standards for insurers. -Implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act. -National Flood Insurance Program (NFIP)Reauthorization. -General interest in autonomous vehicle policy. -International Association of Insurance Supervisors (IAIS) development of an Insurance Capital Standard (ICS) including Federal Reserve Board and US Treasury and Federal Insurance Office participation. -General interest in data privacy. -Fair Auto Insurance Ratemaking Reporting to Allow a Transparent Evaluation of Statistics Act of 2019 (FAIR RATES Act of 2019), HR 2684.

Client expense: $770,000 · 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

H.R. 1862 - To Abolish the Federal Insurance Office of the Department of the Treasury, and for other purposes (Alexander Mooney, R-WV-2) , ALL PROVISIONS S.1586 - Federal Insurance Office Abolishment Act of 2019 (Ted Cruz, R-TX) , ALL PROVISIONS H.R.2684 - To require the Federal Insurance Office of the Department of the Treasury to conduct a study to identify disparities between communities in auto insurance costs and payout amounts based on the predominant racial makeup of such communities, and for other purposes (Mark Takano, D-CA-41) , ALL PROVISIONS S.1868 - A bill to provide support to States to establish invisible high-risk pool or reinsurance programs (Susan Collins, R-ME) , ALL PROVISIONS H.R.2479 - Primary Regulators of Insurance Vote Act of 2019 (Denny Heck, D-WA-10) , ALL PROVISIONS S.1298 - Primary Regulators of Insurance Vote Act of 2019 (Tim Scott, R-SC) , ALL PROVISIONS

Client expense: $480,000 · Firm income: Not reported

-H.R. 4537 (2018), International Insurance Standards Act - to provide oversight of and transparency on international insurance standards setting processes -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 -Reauthorization of the Terrorism Risk Insurance Act (TRIA) -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 -S.471, Litigation Funding Transparency Act of 2019 - to increase transparency and oversight of third-party litigation funding in certain actions -H.R. 748, Middle Class Health Benefits Tax Repeal Act - This bill repeals the excise tax on employer-sponsored health care coverage for which there is an excess benefit (high-cost plans). The repeal applies to taxable years beginning after December 31, 2019. (Cadillac Tax) -H.R. 1940, S. 920, New Parents Act - A bill to amend title II of the Social Security Act to make available parental leave benefits to parents following the birth or adoption of a child, and for other purposes. -S. ___, Child Rearing and Development Leave Empowerment (CRADLE) Act- to make available paid leave for the birth or adoption of a child through Social Security -H.R. 1185, S. 463, Family and Medical Insurance Leave (FAMILY) Act - To provide paid family and medical leave benefits to certain individuals -S. 142, The American Data Dissemination Act - a bill to create federal data privacy laws and regulations through the FTC -H.R.2013, Information Transparency & Personal Data Control Act - to require the Federal Trade Commission to promulgate regulations related to sensitive personal information -S. 3744 (2018), Data Care Act Of 2018 - to establish duties for online service providers with respect to end user data that such providers collect and use -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 DRAFT, S. ___, draft legislation to provide safe harbor for insurance companies doing business with legal marijuana businesses under state law (Menendez) 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. H.R. 2416, SAFE TO DRIVE Act - to create two supplemental NHTSA grants for states to use for distracted driving prevention. 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 H.R. 1500, Consumer First Act - To repeal changes made to the CFPB. Amendment offered by Rep. Takano to direct a FIO study of insurance. See standalone bill. 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. 2015, S. 151, TACED Act - To deter criminal robocall violations and improve enforcement of section 227(b) of the Communications Act of 1934 H.R. 3375, Stop Bad Robocalling Act - to clarify the prohibitions on making robocalls, and for other purposes. 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 H.R. 3182/S.1564, A bill to require the Securities and Exchange Commission and certain Federal agencies to carry out a study relating to accounting standards (CECL), and for other purposes. H.R. 224, To amend section 1908 of title 41, United States Code (Miller Act) to exempt certain contracts from the periodic inflation adjustments to an acquisition-related dollar threshold. H.R.2684, FAIR RATES Act of 2019 - require the FIO to conduct a study to identify disparities between communities in auto insurance costs and payout amounts based on the predominant racial makeup of such communities H.R. 1500, Consumers First Act - to rollback changes related made at the CFPB

Support hr 2684, the FAIR RATES Act, which directs the Federal Insurance Office (FIO) to collect specific loss data from large auto insurance providers, publicly disclose the data, and submit an analysis to Congress on disparate impact along racial lines in automobile insurance

Client expense: $72,500 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Alcohol & Tobacco Tax & Trade Bureau (TTB), Army, Dept of (Corps of Engineers), Bureau of Alcohol Tobacco Firearms & Explosives, Bureau of Citizenship & Immigration Services (BCIS), Bureau of the Census, Centers For Disease Control & Prevention (CDC), Consumer Financial Protection Bureau (CFPB), Defense, Dept of (DOD), Economic Development Administration, Education, Dept of, Environmental Protection Agency (EPA), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Motor Carrier Safety Administration, Federal Reserve System, Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), Natl Park Service (NPS), Office of Management & Budget (OMB), Office of Personnel Management (OPM), Office of Policy Development, Office of the Comptroller of the Currency (OCC), SENATE, Small Business Administration (SBA), State, Dept of (DOS), U.S. Customs & Border Protection, U.S. Immigration & Customs Enforcement (ICE), White House Office

Support S. 331 / HR 963, Introduced by Senator Cortez Masto and Congresswoman Velazquez which restores comprehensive HMDA reporting requirements to 25 for mortgages and 100 for HELOCs with the exclusion for banks and credit unions with fewer than $30 million in assets Support NCUA Chairman McWaters meeting with consumer and civil rights groups to discuss potential new rules to expand small dollar loans by credit unions Support the H.R. 1500, the Consumer First Act, which reestablishes the vitality of the CFPB Support Credit score companies developing a way to distinguish individuals harmed by the partial government shutdown Support Credit score companies developing a way to distinguish individuals harmed by natural disasters Support the FDIC preventing high-cost bank payday and installment loans Support credit reporting relief for federal contractors and their employees who are harmed by the government shutdown Oppose the proposal by the FDIC, the OCC, and the FRB to increase the appraisal exemption threshold from $250,000 to $400,000, which means that disconcertingly, under this proposal, all properties under $400k would not require an appraisal anymore Oppose proposal by Senator Crapo to privatize Fannie Mae and Freddie Mac Oppose CFPB claims that it can authorize a Bureau employee to give companies letters, approvals or exemptions that exempt them from consumer protection laws and enforcement, giving them immunity from enforcement by states or other government agencies and from private litigation Oppose the CFPB's proposal to delay its payday lending rule Oppose the CFPB proposal to delay its 2017 payday lending ability-to-repay rule Support the restoration of the power and mission of the Consumer Financial Protection Bureau; Support the Consumers First Act; Support HR 1500 Support H.R. 1018, which instructs companies to disclose the race, ethnicity, gender, Veterans status and disability status of members of their Boards of Directors and C-Suite level executives. Support the Consumer Financial Protection Bureau opening its consumer complaint procedure to accept complaints about Property Assessed Clean Energy (PACE) loans. Support hr 2684, the FAIR RATES Act, which directs the Federal Insurance Office (FIO) to collect specific loss data from large auto insurance providers, publicly disclose the data, and submit an analysis to Congress on disparate impact along racial lines in automobile insurance Oppose the proposed rescission of the commonsense ability-to-repay requirements of the Consumer Financial Protection Bureau (the Bureau)s 2017 payday and vehicle title loan rule Support publicly available, broad-based data collection, tracking and disclosure of investment in areas that have been historically under-capitalized through the Opportunity Zone program. This data is essential to helping ensure any community development policy including the Opportunity Zone program can achieve its goals Support that the CFPB not weaken the 2009 opt-in rule, which has saved consumers billions of dollars, and to establish stronger protections against overdraft fees.

Support S. 331 / HR 963, Introduced by Senator Cortez Masto and Congresswoman Velazquez which restores comprehensive HMDA reporting requirements to 25 for mortgages and 100 for HELOCs with the exclusion for banks and credit unions with fewer than $30 million in assets Support NCUA Chairman McWaters meeting with consumer and civil rights groups to discuss potential new rules to expand small dollar loans by credit unions Support the H.R. 1500, the Consumer First Act, which reestablishes the vitality of the CFPB Support Credit score companies developing a way to distinguish individuals harmed by the partial government shutdown Support Credit score companies developing a way to distinguish individuals harmed by natural disasters Support the FDIC preventing high-cost bank payday and installment loans Support credit reporting relief for federal contractors and their employees who are harmed by the government shutdown Oppose the proposal by the FDIC, the OCC, and the FRB to increase the appraisal exemption threshold from $250,000 to $400,000, which means that disconcertingly, under this proposal, all properties under $400k would not require an appraisal anymore Oppose proposal by Senator Crapo to privatize Fannie Mae and Freddie Mac Oppose CFPB claims that it can authorize a Bureau employee to give companies letters, approvals or exemptions that exempt them from consumer protection laws and enforcement, giving them immunity from enforcement by states or other government agencies and from private litigation Oppose the CFPB's proposal to delay its payday lending rule Oppose the CFPB proposal to delay its 2017 payday lending ability-to-repay rule Support the restoration of the power and mission of the Consumer Financial Protection Bureau; Support the Consumers First Act; Support HR 1500 Support H.R. 1018, which instructs companies to disclose the race, ethnicity, gender, Veterans status and disability status of members of their Boards of Directors and C-Suite level executives. Support hr 2684, the FAIR RATES Act, which directs the Federal Insurance Office (FIO) to collect specific loss data from large auto insurance providers, publicly disclose the data, and submit an analysis to Congress on disparate impact along racial lines in automobile insurance Oppose the proposed rescission of the commonsense ability-to-repay requirements of the Consumer Financial Protection Bureau (the Bureau)s 2017 payday and vehicle title loan rule Support publicly available, broad-based data collection, tracking and disclosure of investment in areas that have been historically under-capitalized through the Opportunity Zone program. This data is essential to helping ensure any community development policy including the Opportunity Zone program can achieve its goals Support that the CFPB not weaken the 2009 opt-in rule, which has saved consumers billions of dollars, and to establish stronger protections against overdraft fees.