Prohibit Auto Insurance Discrimination Act

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. 3693, Preventing Credit Score Discrimination in Auto Insurance Act S. 4755, Prohibit Auto Insurance Discrimination 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.7011, 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 H.R.8337 - Continuing Appropriations Act, 2021 and Other Extensions Act, this bill reauthorizes the National Flood Insurance Program through September 30, 2021 H.R.133 Consolidated Appropriations Act, 2021 H.R.6395 National Defense Authorization Act for Fiscal Year 2021 National Defense Authorization Act (NDAA) related to TRICARE for Fiscal Year 2021 Policy related to the Business Continuity Protection Program (BCPP)

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

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

S. 1885, the AV Start Act S. 3744, the Data Care Act S. 142, American Data Dissemination Act (ADD Act) H.R. 6, SUPPORT for Patients and Communities Act H.R.3693, Prohibit Auto Insurance Discrimination Act S. Exposure Notification Privacy Act (ENPA) S. COVID-19 Consumer Data Protection Act S. Data Accountability and Transparency Act of 2020 S. Public Health Emergency Privacy Act Cybersecurity issues including Federal data breach notification legislation Privacy related policy Impact of Internet of Things technology Cyber insurance Gerontology and aging in place issues Unmanned Aerial Systems (UAS) technology Big Data Policy related to the opioid epidemic Policy related to rising cost of auto repairs

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

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

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

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

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.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

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

S. 1885, the AV Start Act S. 3744, the Data Care Act S. 142, American Data Dissemination Act (ADD Act) H.R. 6, SUPPORT for Patients and Communities Act H.R.3693, Prohibit Auto Insurance Discrimination Act S. Exposure Notification Privacy Act (ENPA) S. COVID-19 Consumer Data Protection Act S. Data Accountability and Transparency Act of 2020 S. Public Health Emergency Privacy Act Cybersecurity issues including Federal data breach notification legislation Privacy related policy Impact of Internet of Things technology Cyber insurance Gerontology and aging in place issues Unmanned Aerial Systems (UAS) technology Big Data Policy related to the opioid epidemic Policy related to rising cost of auto repairs

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

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

Flood Insurance reform, reauthorization Taxpayer Exposure Mitigation Act Community Mapping Act 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. 3693, Preventing Credit Score Discrimination in Auto Insurance Act S. 4755, Prohibit Auto Insurance Discrimination 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.7011, 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)

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

-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

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

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

S. 1885, the AV Start Act S. 3744, the Data Care Act S. 142, American Data Dissemination Act (ADD Act) H.R. 6, SUPPORT for Patients and Communities Act H.R.3693, Prohibit Auto Insurance Discrimination Act S. Exposure Notification Privacy Act (ENPA) S. COVID-19 Consumer Data Protection Act S. Data Accountability and Transparency Act of 2020 S. Public Health Emergency Privacy Act Cybersecurity issues including Federal data breach notification legislation Privacy related policy Impact of Internet of Things technology Cyber insurance Gerontology and aging in place issues Unmanned Aerial Systems (UAS) technology Big Data Policy related to the opioid epidemic Policy related to rising cost of auto repairs

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

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)

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

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. 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)

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

-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

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

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

Client expense: $1,390,000 · Firm income: Not reported

S. 1885, the AV Start Act S. 3744, the Data Care Act S. 142, American Data Dissemination Act (ADD Act) H.R. 6, SUPPORT for Patients and Communities Act H.R.3693, Prohibit Auto Insurance Discrimination Act Cybersecurity issues including Federal data breach notification legislation Privacy related policy Impact of Internet of Things technology Cyber insurance Gerontology and aging in place issues Unmanned Aerial Systems (UAS) technology Big Data Policy related to the opioid epidemic Policy related to rising cost of auto repairs

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

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

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

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; 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).

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

-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. 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 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 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. 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 S. 3533, SECURE Notarization Act - to allow remote notarization DRAFT HR ___, Fair Auto Insurance Ratemaking (FAIR) Study Act of 2020 - to study discrimination in auto-insurance

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

Reform and reauthorization of the National Flood Insurance Program. Issues related to auto insurance, including H.R. 3693 - Prohibit Auto Insurance Discrimination Act and H.R. 1756 - Preventing Credit Score Discrimination in Auto Insurance Act. Financial regulatory reform issues including the Dodd-Frank Wall Street Reform and Consumer Protection Act. Legislation extending the employer credit for paid family and medical leave.

Client expense: Not reported · Firm income: Not reported

Reform and reauthorization of the National Flood Insurance Program. Issues related to auto insurance, including H.R. 3693 - Prohibit Auto Insurance Discrimination Act and H.R. 1756 - Preventing Credit Score Discrimination in Auto Insurance Act. Financial regulatory reform issues including the Dodd-Frank Wall Street Reform and Consumer Protection Act. Legislation extending the employer credit for paid family and medical leave.

Client expense: Not reported · Firm income: Not reported

Reform and reauthorization of the National Flood Insurance Program. Issues related to auto insurance, including H.R. 3693 - Prohibit Auto Insurance Discrimination Act and H.R. 1756 - Preventing Credit Score Discrimination in Auto Insurance Act. Financial regulatory reform issues including the Dodd-Frank Wall Street Reform and Consumer Protection Act. Legislation extending the employer credit for paid family and medical leave.

Client expense: Not reported · Firm income: Not reported

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

S. 1885, the AV Start Act S. 3744, the Data Care Act S. 142, American Data Dissemination Act (ADD Act) H.R. 6, SUPPORT for Patients and Communities Act H.R. 3693, Prohibit Auto Insurance Discrimination Act Cybersecurity issues including Federal data breach notification legislation Privacy related policy Impact of Internet of Things technology Cyber insurance Gerontology and aging in place issues Unmanned Aerial Systems (UAS) technology Big Data Policy related to the opioid epidemic Policy related to rising cost of auto repairs

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

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

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

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

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

-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. 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 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. 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. 2416, SAFE TO DRIVE Act -- allow states to receive federal grants for enacting anti-distracted driving laws that have already been approved by Congress. H.R.4634, S. 2877 -Terrorism Risk Insurance Program Reauthorization Act of 2019 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. 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.748 - Middle Class Health Benefits Tax Repeal Act of 2019 - repeal of certain ACA taxes (Cadillac Tax) on employer provided health plans.

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

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

Client expense: $850,000 · Firm income: Not reported

S. 1885, the AV Start Act Cybersecurity issues including Federal data breach notification legislation S. 3744, the Data Care Act S. 142, American Data Dissemination Act (ADD Act) Privacy related policy Impact of Internet of Things technology Cyber insurance Gerontology and aging in place issues Unmanned Aerial Systems (UAS) technology Big Data Policy related to the opioid epidemic H.R. 6, SUPPORT for Patients and Communities Act H.R.3693, Prohibit Auto Insurance Discrimination Act

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

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

-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 -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 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. 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. ___, Online Privacy Act of 2019 (Eshoo, Lofgren) - to establish a new data privacy agency. 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

Legislative and regulatory issues pertaining to credit reporting and scoring, including H.R. 1500, H.R. 1756, H.R. 2290, H.R. 2753, H.R. 2824, H.R. 3614, H.R. 3618, H.R. 3621, H.R. 3622, H.R. 3629, H.R. 3642, H.R. 3693, H.R. 3821, H.R. 3862, H.R. 4231, H.R. 4328, S. 1581, S. 1729, and S. 1828.

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

Government targets: Consumer Financial Protection Bureau (CFPB), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), SENATE, Social Security Administration (SSA), 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