PAID 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 H.R.2537 - To amend the Fair Debt Collection Practices Act to provide a timetable for the collection of medical debt by debt collectors, to amend the Fair Credit Reporting Act to prohibit consumer reporting agencies from issuing consumer reports containing information about debts related to medically necessary procedures, and for other purposes. H.R.1270 - PAID Act S.588 - Addressing Climate Financial Risk Act of 2021

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

Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of, U.S. Trade Representative (USTR)

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 H.R.2537 - To amend the Fair Debt Collection Practices Act to provide a timetable for the collection of medical debt by debt collectors, to amend the Fair Credit Reporting Act to prohibit consumer reporting agencies from issuing consumer reports containing information about debts related to medically necessary procedures, and for other purposes. H.R.1270 - PAID Act S.588 - Addressing Climate Financial Risk Act of 2021

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

Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of, U.S. Trade Representative (USTR)

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 H.R.2537 - To amend the Fair Debt Collection Practices Act to provide a timetable for the collection of medical debt by debt collectors, to amend the Fair Credit Reporting Act to prohibit consumer reporting agencies from issuing consumer reports containing information about debts related to medically necessary procedures, and for other purposes. H.R.1270 - PAID Act S.588 - Addressing Climate Financial Risk Act of 2021

Client expense: $183,420 · Firm income: Not reported

Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of, U.S. Trade Representative (USTR)

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 H.R.2537 - To amend the Fair Debt Collection Practices Act to provide a timetable for the collection of medical debt by debt collectors, to amend the Fair Credit Reporting Act to prohibit consumer reporting agencies from issuing consumer reports containing information about debts related to medically necessary procedures, and for other purposes. H.R.1270 - PAID Act S.588 - Addressing Climate Financial Risk Act of 2021

Client expense: $18,420 · Firm income: Not reported

Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of, U.S. Trade Representative (USTR)

H.R. 1270, Prohibit Auto Insurance Discrimination (PAID) Act Federal Insurance Office Request for Information on the Insurance Sector and Climate-Related Financial Risks (86 Fed. Reg. 48,814-48,819, August 31, 2021) Federal Insurance Office propose data collection on climate-related financial risk (87 Fed. Reg. 64,134-64,141, October 21, 2022) Various issues relating to the reauthorization of the National Flood Insurance Program; retroactively altering business interruption insurance contracts related to COVID-19; creation of a prospective pandemic insurance program; pandemic risk insurance; special financial assistance for financially troubled multiemployer plans; development of an insurance capital standard by the International Association of Insurance Supervisors; availability and affordability of automotive insurance; diversity and inclusion in the insurance industry; climate-related financial risk in the insurance sector

Client expense: $20,990,000 · Firm income: Not reported

H.R. 1270, Prohibit Auto Insurance Discrimination (PAID) Act H.R. 2547, Comprehensive Debt Collection Improvement Act H.R. 4277, Overdraft Protection Act of 2021 H.R. 5911, Fair Hiring in Banking Act H.R. 6814, Small Business Fair Debt Collection Protection Act H.R. 7412, Transparency in CFPB Cost-Benefit Analysis Act S. 2417, Credit Access and Inclusion Act of 2021 S. 2508, Veterans and Consumers Fair Credit Act S. 3056, Prohibiting IRS Financial Surveillance Act S. 3755, Arbitration Fairness for Consumers Act Draft legislation titled Ensuring Diversity in Community Banking Act Draft legislation titled Expanding Opportunity for MDIs Act Draft legislation to provide a right of removal to federal court from CFPB administrative adjudication House companion legislation to S. 2417, Credit Access and Inclusion Act of 2021 Draft legislation subjecting the Consumer Financial Protection Bureau to the appropriations process Draft legislation to replace the Consumer Financial Protection Bureau single director with a bipartisan commission Proposed rule regarding beneficial ownership information reporting requirements (86 Fed. Reg. 69,920-69,974, December 8, 2021) Proposed rule regarding Small Business Lending Data Collection Under the Equal Credit Opportunity Act (Regulation B) (86 Fed. Reg. 56,356-56,606, October 8, 2021) Statement of Principles for Climate-Related Financial Risk Management for Large Financial Institutions (87 Fed. Reg. 19,507-19,512, April 4, 2022) Request for Information and Comment on Rules, Regulations, Guidance, and Statements of Policy Regarding Bank Merger Transactions (87 Fed. Reg. 18,740-18,744, March 31, 2022) Notice and Request for Comment Regarding Fees Imposed by Providers of Consumer Financial Products or Services (87 Fed. Reg. 17,996-17,997, March 29, 2022) Proposed rule regarding Community Reinvestment Act (87 Fed. Reg. 33,884-34,066, June 3, 2022) Advance notice of proposed rulemaking; extension of comment period, regarding credit card late fees and late payments, (87 Fed. Reg. 42,662, July 18, 2022) Various issues relating to structure and independence of the Consumer Financial Protection Bureau; artificial intelligence and machine learning; DOJ Bank Merger Competitive Analysis; OCC Request for Feedback on Principles for Climate-Related Financial Risk Management for Large Banks

S.524 - A bill to abolish the Federal Insurance Office of the Department of the Treasury, and for other purposes (Ted Cruz, R-TX) , ALL PROVISIONS H.R.1270 - To prohibit private passenger automobile insurers from using certain income proxies to determine insurance rates and eligibility (Bonnie Watson Coleman, D-NJ-12) , ALL PROVISIONS H.R.1240 - To amend the Federal Crop Insurance Act to modify prevented planting coverage (Dusty Johnson, R-SD-At Large) , ALL PROVISIONS S.359 - A bill to amend the Federal Crop Insurance Act to modify prevented planting coverage (John Hoeven, R-ND) , ALL PROVISIONS S.862 - A bill to create a safe harbor for insurers engaging in the business of insurance in connection with a cannabis-related legitimate business, and for other purposes (Robert Menendez, D-NJ) , ALL PROVISIONS oHouse Version: H.R.2068 - To create a safe harbor for insurers engaging in the business of insurance in connection with a cannabis-related legitimate business, and for other purposes (Nydia Velazquez, D-NY-7) , ALL PROVISIONS S.1083 - A bill to provide for the restoration of legal rights for claimants under holocaust-era insurance policies (Marco Rubio, R-FL) , ALL PROVISIONS oHouse Version: H.R.2493 - To provide for the restoration of legal rights for claimants under holocaust-era insurance policies (Debbie Wasserman Schultz, D-FL-23) , ALL PROVISIONS H.R.2632 - To eliminate any subsidies for flood insurance coverage under the National Flood Insurance Program for new construction, and for other purposes (Scott Peters, D-CA-52) , ALL PROVISIONS H.R.2995 - To require a report regarding the potential impacts of any changes to the risk-rating methodology for the National Flood Insurance Program of the Federal Emergency Management Agency before implementation, and for other purposes (Kathleen Rice, D-NY-4) , ALL PROVISIONS S.1458 - A bill to amend the Federal Crop Insurance Act to encourage the planting of cover crops following prevented planting, and for other purposes (John Thune, R-SD) , ALL PROVISIONS H.R.3099 - To amend the Financial Stability Act of 2010 to include the State insurance commissioner as a voting member of the Financial Stability Oversight Council, and for other purposes (John Garamendi, D-CA-3) , ALL PROVISIONS H.R.3416 - To allow communities to develop alternative flood insurance rate maps, and for other purposes (Blaine Luetkemeyer, R-MO-3) , ALL PROVISIONS H.R.3415 - 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 (Blaine Luetkemeyer, R-MO-3) , ALL PROVISIONS H.R.3417 - To provide for greater transfer of risk under the National Flood Insurance Program to private capital and reinsurance markets, and for other purposes (Blaine Luetkemeyer, R-MO-3) , ALL PROVISIONS H.R.3414 - To repeal the mandatory flood insurance coverage requirement for commercial properties located in flood hazard areas, and for other purposes (Blaine Luetkemeyer, R-MO-3) , ALL PROVISIONS S.1960 - A bill to restrict the ability of the Administrator of the Federal Emergency Management Agency to adjust the rates for flood insurance coverage under the National Flood Insurance Program, and for other purposes (John Kennedy, R-LA) , ALL PROVISIONS S.2153 - A bill to amend the National Flood Insurance Act of 1968 to ensure community accountability for areas repeatedly damaged by floods, and for other purposes (Tim Scott, R-SC) , ALL PROVISIONS S.2143 - A bill to authorize the Administrator of the Federal Emergency Management Agency to terminate certain contracts on the basis of detrimental conduct to the National Flood Insurance Program, and for other purposes (John Kennedy, R-LA) , ALL PROVISIONS H.R.4088 - To provide for improvements to National Flood Insurance Program rate maps, and for other purposes (Vincente Gonzalez, D-TX-15) , ALL PROVISIONS H.R.4226 - To restrict the ability of the Administrator of the Federal Emergency Management Agency to adjust the rates for flood insurance coverage under the National Flood Insurance Program, and for other purposes (Carlos Gimenez, R-FL-26) , ALL PROVISIONS H.R.4422 - 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 S.2418 - A bill to amend the Biggert-Waters Flood Insurance Reform Act of 2012 to improve mapping under the National Flood Insurance Program, and for other purposes (Marco Rubio, R-FL) , ALL PROVISIONS oHouse Version: H.R.4605 - To amend the Biggert-Waters Flood Insurance Reform Act of 2012 to improve mapping under the National Flood Insurance Program, and for other purposes (Bill Posey, R-FL-8) , ALL PROVISIONS S.2724 - NFIP Extension Act of 2021 - To reauthorize the National Flood Insurance Program (John Kennedy, R-LA) , ALL PROVISIONS H.R.5256 - To provide for the disclosure and sharing of certain policy and claims information under the National Flood Insurance Program, and for other purposes (Elaine Luria, D-VA-2) , ALL PROVISIONS S.2788 - A bill to reauthorize the National Flood Insurance Program (Marco Rubio, R-FL) , ALL PROVISIONS S.2869 - A bill to temporarily limit the authority of the Administrator of the Federal Emergency Management Agency to prescribe chargeable premium rates for flood insurance under the National Flood Insurance Program (Marco Rubio, R-FL) , ALL PROVISIONS S.2831 - A bill to require the National Flood Insurance Program to accept mid-term cancellations of flood insurance coverage if the insured acquires alternative coverage (Mike Lee, R-UT) , ALL PROVISIONS S.2832 - A bill to prohibit the National Flood Insurance Program from providing flood insurance subsidies for single-family residences that are valued at more than $1,000,000, and for other purposes (Mike Lee, R-UT) , ALL PROVISIONS S.2833 - A bill to amend the National Flood Insurance Act of 1968 to address the premium rates for certain properties under the National Flood Insurance Program, and for other purposes (Mike Lee, R-UT) , ALL PROVISIONS S.2913 - A bill to ensure that Write Your Own companies can sell private flood insurance products that compete with National Flood Insurance Program products (Rick Scott, R-FL) , ALL PROVISIONS S.2915 - A bill to allow National Flood Insurance Program policyholders who leave the program to purchase a private insurance flood policy to return the National Flood Insurance Program without penalty, and for other purposes (Rick Scott, R-FL) , ALL PROVISIONS S.2916 - A bill to amend the National Flood Insurance Act of 1968 to require that certain information is made publicly available, and for other purposes (Rick Scott, R-FL) , ALL PROVISIONS H.R.5734 - To amend the Internal Revenue Code of 1986 to establish a system for the taxation of catastrophic risk transfer companies to ensure sufficient capital to cover catastrophic insurance losses, and for other purposes (James Himes, D-CT-4) , ALL PROVISIONS S.3128 - A bill to reauthorize the National Flood Insurance Program, and for other purposes (Robert Menendez, D-NJ) , ALL PROVISIONS H.R.5802 - To reauthorize the National Flood Insurance Program, and for other purposes (Frank Pallone, Jr., D-NJ-6) , ALL PROVISIONS H.R.5823 - To establish a Pandemic Risk Reinsurance Program, and for other purposes (Carolyn Maloney, D-NY-12) , ALL PROVISIONS H.R.5793 - To temporarily limit the authority of the Administrator of the Federal Emergency Management Agency to prescribe chargeable premium rates for flood insurance under the National Flood Insurance Program (Mario Diaz-Balart, R-FL-25) , ALL PROVISIONS H.R.6087 - To amend chapter 81 of title 5, United States Code, to cover, for purposes of workers' compensation under such chapter, services by physician assistants and nurse practitioners provided to injured Federal workers, and for other purposes (Joe Courtney, D-CT-2) , ALL PROVISIONS S.3829 - A bill to require the Administrator of the Federal Emergency Management Agency to make publicly available information regarding the calculation of premiums under the National Flood Insurance Program, and for other purposes (Bill Cassidy, R-LA) , ALL PROVISIONS H.R.7221 - To increase coverage under the National Flood Insurance Program for costs of compliance, and for other purposes (Tom Rice, R-SC-7) , ALL PROVISIONS H.R.7202 - To establish a means-tested assistance program for national flood insurance program policyholders, and for other purposes (Matt Cartwright, D-PA-8) , ALL PROVISIONS S.3934 - Homeowner Flood Insurance Transparency and Protection Act - To permit policyholders under the National Flood Insurance Program to elect to have previous premium rates remain in effect until the Administrator of the Federal Emergency Management Agency satisfies certain conditions, and for other purposes (Cindy Hyde-Smith, R-MS) , ALL PROVISIONS H.R.7364 - Stop Flood Insurance Rate Hikes Act - To permit policyholders under the National Flood Insurance Program to elect to have previous premium rates remain in effect until the Administrator of the Federal Emergency Management Agency satisfies certain conditions, and for other purposes (Garret Graves, R-LA-6) , ALL PROVISIONS H.R.7498 - To amend the Federal Crop Insurance Act to direct the Federal Crop Insurance Corporation to conduct research and development on frost or cold weather insurance, and for other purposes (Gregory Steube, R-FL-17) , ALL PROVISIONS S.4110 - Primary Regulators of Insurance Vote Act of 2022 - To amend the Financial Stability Act of 2010 to include the State insurance commissioner as a voting member of the Financial Stability Oversight Council, and for other purposes (Tim Scott, R-SC) , ALL PROVISIONS H.R.7643 - To establish a Natural Disaster Risk Reinsurance Program, and for other purposes (Charlie Crist, D-FL-13) , ALL PROVISIONS H.R.7842 - To amend the National Flood Insurance Act of 1968 to expand opportunities for families living in areas of high flood risk to access Federal assistance for voluntary relocation, and for other purposes (Sean Casten, D-IL-6) , ALL PROVISIONS H.R.7836 - Repeatedly Flooded Communities Planning Assistance Act of 2022 - To amend the National Flood Insurance Act of 1968 to facilitate community action to address repetitively flooded areas, and for other purposes (Earl Blumenauer, D-OR-3) , ALL PROVISIONS H.R.7865 - To increase the availability of flood insurance for agricultural structures, and for other purposes (John Garamendi, D-CA-3) , ALL PROVISIONS H.R.8036 - National Flood Insurance Program Extension Act of 2022 (French Hill, R-AR-2) , ALL PROVISIONS Senate Version: S.4533 - NFIP Extension Act of 2022 - (John Kennedy, R-LA), ALL PROVISIONS H.R.8483 - To require studies regarding insurance coverage for damages from wildfires, and for other purposes (Maxine Waters, D-CA-43) , ALL PROVISIONS H.R. 8653 - To authorize appropriations to carry out payments with respect to qualified losses of covered crops occurring in calendar year 2022, and for other purposes. (Mike Thompson, D-CA-5) , ALL PROVISIONS H.R.9057 - To amend the Internal Revenue Code of 1986 to exclude from gross income certain income from providing homeowners insurance following certain federally declared disasters. (Clay Higgins, R-LA-3) , ALL PROVISIONS

H.R. 1996 Protections for Financial Institutions H.R. 2068 Safe Harbor for Insurers S. 862 Safe Harbor for Insurers **Issues lobbied without specific bill number: Implementation of Risk-Rating 2.0, Climate risk to the insurance industry, COVID-19 personal and commercial insurance response and role, Federal crop insurance program, National Flood Insurance Program, Prospective pandemic protection H.R. 1270 Private Passenger Automobile Insurers H.R. 1512 Climate Crisis **Issues lobbied without specific bill number: Business of insurance, Credit-based insurance underwriting, Commercial vehicle liability insurance **Issues lobbied without specific bill number: Consent Towing H.R. 5823 Pandemic Risk Reinsurance Program S. 2491 National Cyber Resilience Assistance Fund S. 3128 National Flood Insurance Program Reauthorization **Issues lobbied without specific bill number: Financial services climate-related risk **Issues lobbied without specific bill number: Categories for reinsurers H.R. 5802 National Flood Insurance Program Reauthorization H.R. 8036 National Flood Insurance Program Extension H.R. 6833 National Flood Insurance Program Extension **Issues lobbied without specific bill number: Climate Change Related Issues and Gaps in Data H.R. 9588 Data Security and Breach Notification Standard **Issues lobbied without specific bill number: AI Bill of Rights **Issues lobbied without specific bill number: Data Collection Call to Assess Climate Related Financial Risk in Insurance **Issues lobbied without specific bill number: Catastrophic Cyber Insurance Backstop **Issues lobbied without specific bill number: Private Flood Insurance for Federal Housing Administration Mortgages

Client expense: Not reported · Firm income: $42,000

H.R. 1996 Protections for Financial Institutions H.R. 2068 Safe Harbor for Insurers S. 862 Safe Harbor for Insurers **Issues lobbied without specific bill number: Implementation of Risk-Rating 2.0, Climate risk to the insurance industry, COVID-19 personal and commercial insurance response and role, Federal crop insurance program, National Flood Insurance Program, Prospective pandemic protection H.R. 1270 Private Passenger Automobile Insurers H.R. 1512 Climate Crisis **Issues lobbied without specific bill number: Business of insurance, Credit-based insurance underwriting, Commercial vehicle liability insurance **Issues lobbied without specific bill number: Consent Towing H.R. 5823 Pandemic Risk Reinsurance Program S. 2491 National Cyber Resilience Assistance Fund S. 3128 National Flood Insurance Program Reauthorization **Issues lobbied without specific bill number: Financial services climate-related risk **Issues lobbied without specific bill number: Categories for reinsurers H.R. 5802 National Flood Insurance Program Reauthorization H.R. 8036 National Flood Insurance Program Extension H.R. 6833 National Flood Insurance Program Extension **Issues lobbied without specific bill number: Climate Change Related Issues and Gaps in Data H.R. 9588 Data Security and Breach Notification Standard **Issues lobbied without specific bill number: AI Bill of Rights **Issues lobbied without specific bill number: Data Collection Call to Assess Climate Related Financial Risk in Insurance **Issues lobbied without specific bill number: Catastrophic Cyber Insurance Backstop **Issues lobbied without specific bill number: Private Flood Insurance for Federal Housing Administration Mortgages

Client expense: $1,420,000 · Firm income: Not reported

H.R. 481 - Flood Resiliency and Taxpayer Savings Act of 2021 H.R. 747 - FEMA Climate Change Preparedness Act H.R. 1270 - Prohibit Auto Insurance Discrimination (PAID) Act H.R.2632 -To eliminate any subsidies for flood insurance coverage under the National Flood Insurance Program for new construction, and for other purposes H.R.1797 -To amend the National Flood Insurance Act of 1968 to ensure community accountability for areas repetitively damaged by floods, and for other purposes. H.R.1640 -To amend the National Flood Insurance Act of 1968 to ensure community accountability for areas repetitively damaged by floods, and for other purposes. H.R.2068 - To create a safe harbor for insurers engaging in the business of insurance in connection with a cannabis-related legitimate business, and for other purposes. National Flood Insurance Program reform/reauthorization Policy related to mitigation and resiliency S.910 -Secure and Fair Enforcement (SAFE) Banking Act of 2021 H.R.1996 - SAFE Banking Act of 2021 H.R.481 - Flood Resiliency and Taxpayer Savings Act of 2021 H.R.1375/S. 1989 - Provide Accurate Information Directly Act (PAID) Act S.862 -CLAIM Act S.653 -COMP Act, Medicare Secondary payer National Defense Authorization Act (NDAA) related to TRICARE National Defense Authorization Act (NDAA) related to cyber incident reporting Policy related to the Business Continuity Protection Program (BCPP) H.R.8337, Continuing Appropriations Act, 2021 and Other Extensions Act PPP Extension Act of 2021 H.R.481 - Flood Resiliency and Taxpayer Savings Act of 2021 H.R.8036 - National Flood Insurance Program Extension Act of 2022 H.R.7776 - Water Resources Development Act of 2022 H.R.2617 - Consolidated Appropriations Act, 2023 H.R.7776 - James M. Inhofe National Defense Authorization Act for Fiscal Year 2023 H.R.2471 - Consolidated Appropriations Act, 2022 H.R. ___, the The Diverse Investment Advisers Act (Rep. Beatty) H.R. ___, the Minority and Women Inclusion in Insurance Act H.R. ___, the Diversify Insurers Workforce Study Act

Issues relating to factors used in establishing auto insurance rates and eligibility, including H.R. 1270 and the Federal Insurance Office study on auto insurance premiums. Discussed the idea of a Federal Trade Commission study on the rising price and competitive landscape of automobile repair parts. H.R. 1996/S.910/H.R. 2068/S. 862, SAFE Act/CLAIM Act, cannabis legislation related to insurance and banking issues. Discussed generally the impact of climate risk on the business of insurance, including SEC proposed rulemaking on climate disclosures Congressional efforts to better understand commercial use of artificial intelligence and its impact on consumers. Issues relating to Consumer Financial Protection Bureau administrative efforts relating to disparate impact analysis in the delivery of financial services. Issues relating to reauthorization of the National Flood Insurance Program and FEMAs Risk Rating 2.0 flood insurance plan. H.R. 5689 - Resilient AMERICA Act (RAA) relating to disaster resilience issues and expanding coverage for hazard mitigation Issues relating to the Financial Stability Oversight Councils approach to systemic risk. Issues relating to diversity and inclusion within the insurance industry.

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

ISSUEDiversity, Equity, and Inclusion Initiatives ISSUEPaid Medical and Family Leave ISSUENational Data Privacy Standard ISSUESystemic Risk/Capital Standards PL 111-203, Dodd-Frank Wall Street Reform and Consumer Protection Act - provide financial regulatory reform, to protect consumers and investors, to enhance federal understanding of insurance issues, and other purposes. ISSUEAutonomous Vehicles ISSUE Federal Pandemic Risk Programs ISSUE Insurance Underwriting HR 842/S 420, Protecting the Right to Organize (PRO) Act - amend the National Labor Relations Act, the Labor Management Relations Act, 1947, and the Labor-Management Reporting and Disclosure Act of 1959, and for other purposes. HR 528, Financial Stability Oversight Council (FSOC) Reform Act - place FSOC and the Office of Financial Research under the regular appropriations process and to provide for certain quarterly reporting and public notice and comment requirements for the Office of Financial Research. HR 1523/S 526, Modern Worker Empowerment Act - to amend the Fair Labor Standards Act of 1938 to harmonize the definition of employee with the common law. HR 5, Equality Act - prohibits discrimination based on sex, sexual orientation, and gender identity in areas including public accommodations and facilities, education, federal funding, employment, housing, credit, and the jury system. HR 1277/S 374, Improving Corporate Governance Through Diversity Act - prohibits an automobile insurer from considering specified factors when determining a consumer's insurance rates or eligibility. HR 1270, PAID Act - prohibits an automobile insurer from considering specified factors when determining a consumer's insurance rates or eligibility. HR 1255/S 377, Living Donor Protection Act - promote and protect from discrimination living organ do HR 1816, Information Transparency & Personal Data Control Act - require the Federal Trade Commission to promulgate regulations related to sensitive personal information, and for other purposes. HR 1512, CLEAN Future Act - build a clean future by addressing the climate crisis, protecting the health, and putting the Nation on the path to a net-zero greenhouse gas economy by 2050. S 524, Federal Insurance Abolishment Act - to eliminate the Federal Insurance Office. HR 1549/S 588, Addressing Climate Financial Risk Act - establish the Advisory Committee on Climate Risk on the Financial Stability Oversight Council. HR 1641/S 638, Promoting Infrastructure by Protecting Our Subcontractors and Taxpayers Act - to include a payment and performance security requirement for certain infrastructure financing. HR 1187, ESG Disclosure Simplification Act of 2021 - requires an issuer of securities to annually disclose to shareholders certain environmental, social, and governance metrics. S 653, Coordination of Medicare Payments and Workers Compensation (COMP) Act - provide for the application of MSP rules to certain workers' compensation settlement agreements and qualified Medicare set-aside provisions. HR 2068/S 862, CLAIM Act - safe harbor for insurers engaging in the business of insurance in connection with a cannabis-related legitimate business. HR 1996/S 910, SAFE Banking Act - create protections for financial institutions that provide financial services to cannabis-related legitimate businesses S 574, PROTECT Asbestos Victims Act - improve asbestos trust claim transparency. S 840, Litigation Funding Transparency Act - increase transparency and oversight of third-party litigation funding. HR 358, FRESH Trucking Act - modifies service hour requirements for drivers transporting perishable agricultural, horticultural, or floricultural commodities. HR 1799, PPP Extension Act of 2021 - extend deadlines for the Paycheck Protection Program. HR 2467 PFAS Action Act of 2021 -- require EPA to designate per- and polyfluoroalkyl substances as hazardous substances HR 2570/S 1217 Climate Risk Disclosure Act of 2021 -- directs SEC to require issuers to disclose information regarding climate change-related risks. HR 2001 Diversity Data Accountability Act - requires regulated entities to report to the Offices of Women and Minority Inclusion within specified financial agencies. HR 1087 Shareholder Political Transparency Act -- requires disclosure of information related to expenditures for political activities HR 3099 Primary Regulators of Insurance Vote Act -- To include the State insurance commissioner as a voting member of the FSOC. HR 3962/S 1625 SECURE Notarization Act -- To authorize notaries public to perform, and to establish minimum standards for, electronic notarizations and remote notarizations S 1805SHELTER Act -- allows a tax credit to individuals and businesses for disaster mitigation expenditures. S 1896Algorithmic Justice and Online Platform Transparency Act -- To prohibit the discriminatory use of personal information by online platforms in any algorithmic process HR 3571/S 1876 Climate Change Financial Risk Act of 2021 -- To require the Fed to develop and conduct financial risk analyses relating to climate change, and for other purposes. HR 3664 SMART Act -- to provide for an exception from patent infringement for certain component parts of motor vehicles. HR 3676 To amend title 23, United States Code, to establish national standards relating to sanctions for individuals who drive a motor vehicle, with a child passenger in the vehicle, while intoxicated or impaired, and for other purposes. HR 3711 SELF DRIVE Act -- to provide safety measures for over highly automated vehicles HR 1187 Corporate Governance Improvement and Investor Protection Act - to require annual disclosure of certain ESG metrics. HR 3675 Drug-Impaired Driving Education Act -- To establish a grant program to educate the public on the dangers of drug-impaired driving, and for other purposes. HR 3757/S 1999 Multiple Substance Impaired Driving Prevention Act -- To authorize the use of certain Federal funds for multiple substance impaired driving countermeasures HR 3899 Financial Stability Oversight Council Improvement Act of 2021 -- To amend the Financial Stability Act of 2010 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, and for other purposes. DRAFT Consumer Information Notification Requirement Act -- to provide a national standard for financial institution data security and breach notification. S 919 Data Care Act of 2021 -- imposes various duties on online service providers with respect to their handling of individual-identifying data 4614 Resilient Federal Forests Act of 2021 - improve forest management activities on National Forest System lands HR 4866 Federal Insurance Office Elimination Act - to abolish FIO HR 5823, Pandemic Risk Insurance Act (PRIA) 2022 - establish a Pandemic Risk Reinsurance Program HR 5736, Booster Seat Safety Act - direct the Secretary of Transportation to revise regulations relating to child restraint systems HR 5807/S 3065, DATA Privacy Act - establishes information security requirements for businesses that collect, process, store, or disclose information HR 963, Forced Arbitration Injustice Repeal Act - prohibits a pre-dispute arbitration agreement from being valid or enforceable if it requires arbitration of an employment, consumer, antitrust, or civil rights dispute HR 5734, Catastrophic Risk Transfer (CART) Act - to establish a system for the taxation of catastrophic risk transfer companies to ensure sufficient capital to cover catastrophic insurance losses HR 5689, Resilient AMERICA Act - improve the provision of Federal resources to help build capacity and fund risk-reducing, cost-effective mitigation projects HR 4006 Fair Repair Act -- requires an original equipment manufacturer (OEM) to make diagnostic, maintenance, and repair equipment available to independent repair providers HR 6580/S 3572 Algorithmic Accountability Act of 2022 -- direct the Federal Trade Commission to require impact assessments of automated decision systems and augmented critical decision processes HR 6570 REPAIR Act -- ensure consumers have access to data relating to their motor vehicles, critical repair information, and tools, and to provide them choices for the maintenance, service, and repair of their motor vehicles HR 4521 America COMPETES Act -- bill addresses U.S. technology and communications, foreign relations and national security, domestic manufacturing, education, trade, and other matters HR 4777/S 2497 Nondebtor Release Prohibition Act -- addresses the release by bankruptcy courts of creditor or other third-party claims against non-debtors S 3844Economic Continuity and Stability Act -- establish a clear and uniform process, on a nationwide basis, for replacing the London interbank offered rate in existing contracts S 3715E-SIGN Modernization Act -- repeals certain requirements regarding the use of electronic records in commerce S 3755Arbitration Fairness for Consumers Act -- amend the Consumer Financial Protection Act of 2010 with respect to arbitration HR 6027 Online Privacy Act -- establishes certain online privacy rights for personal information (including contents of communications) and certain requirements for data processors, service providers, and third parties S 3875, Community Disaster Resilience Zones Act -- require the President to develop and maintain products that show the risk of natural hazards across the United States DRAFT, Jumpstart our Business Startups Act of 2022 -- help accelerate economic growth and spur new business formation S 4110, Primary Regulators of Insurance Vote Act of 2022 -- establishes a state insurance commissioner as a voting member of the Financial Stability Oversight Council S 4299, Rebuilding Small Businesses After Disasters Act -- to repeal the sunset for collateral requirements for Small Business Administration disaster loans S 4274, National Wildland Fire Risk Reduction Program Act -- improve the Federal effort to reduce wildland fire risks ISSUE, SEC 144A/Rule 15c2-11 No Action Letter ISSUE, ESG, DEI, Climate-Related Financial Risk HR 8152, American Data Privacy and Protection Act - to create a federal privacy standard DRAFT, Rep. McHenry/Financial Services Privacy Draft - to amend GLBA HR 8063, RAMP Act - to improve MSP statute by eliminating the private right of action HR 8254 Financial Services and General Government Appropriations Act, 2023 - FY2023 appropriations for several federal departments and agencies HR 7900 National Defense Authorization Act for Fiscal Year 2023 - authorizes Department of Defense (DOD) activities for FY2023 HR 4346 CHIPS and Science Act of 2022 - funds to support the domestic production of semiconductors and authorizes various programs and activities of the federal science agencies. S 4619 Fair Access to Financial Services Act - provide that all persons shall be entitled to the full and equal enjoyment of the goods, services, facilities, privileges, and accommodations of financial institutions HR 8589 To prohibit the Securities and Exchange Commission from finalizing the proposed rule titled "The Enhancement and Standardization of Climate-Related Disclosures for Investors", and for other purposes - prevent finalization of SEC climate-risk disclosure rule HR 2123 D&I DATA Act - requires certain regulated entities to report to the Offices of Women and Minority Inclusion within specified financial agencies ISSUE SEC Rule 144A/15c2-11 HR 8483 Wildfire Insurance Coverage Study Act of 2022 - require studies regarding insurance coverage for damages from wildfires DRAFT Diverse Investment Advisers Act - require companies to consider diverse individual-owned and controlled firms when seeking the services of investment advisers DRAFT Minority and Women Inclusion in Insurance Act - require FIO to conduct an annual survey of insurers to determine the extent of diversity in the insurance industry DRAFT Diversify Insurers Workforce Study Act - require FIO to conduct a study regarding recruitment, retention, and attrition of employees in the insurance industry S 4826 Community Wildfire Protection Act- amend the Heathy Forests Restoration Act of 2003 to modify the definition of the term at-risk community HR 9570 Improving Disclosure for Investors Act of 2022 - direct the Securities and Exchange Commission to promulgate rules with respect to the electronic delivery of certain required disclosures HR 7776 James M. Inhofe National Defense Authorization Act for Fiscal year 2023 - National defense authorization for FY 23 HR 9588 Consumer Information Notification Requirement Act (CINRA) - amend the Gramm-Leach-Bliley Act to provide a national standard for financial institution data security and breach notification on behalf of all consumers

Regulatory structure for insurance and financial services. Automobile insurance issues, including H.R.1270, the "PAID Act." Surety bonding requirements for infrastructure projects, including HR 1641, the "Promoting Infrastructure by Protecting Our Subcontractors and Taxpayers Act," and HR 3684, the "INVEST in America Act." Legislative proposals addressing pandemic risk insurance and business interruption insurance.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

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 H.R.2537 - To amend the Fair Debt Collection Practices Act to provide a timetable for the collection of medical debt by debt collectors, to amend the Fair Credit Reporting Act to prohibit consumer reporting agencies from issuing consumer reports containing information about debts related to medically necessary procedures, and for other purposes. H.R.1270 - PAID Act S.588 - Addressing Climate Financial Risk Act of 2021

Client expense: $226,011 · Firm income: Not reported

Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of, U.S. Trade Representative (USTR)

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 H.R.2537 - To amend the Fair Debt Collection Practices Act to provide a timetable for the collection of medical debt by debt collectors, to amend the Fair Credit Reporting Act to prohibit consumer reporting agencies from issuing consumer reports containing information about debts related to medically necessary procedures, and for other purposes. H.R.1270 - PAID Act S.588 - Addressing Climate Financial Risk Act of 2021

Client expense: $948,480 · Firm income: Not reported

Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of, U.S. Trade Representative (USTR)

H.R. 1996 Protections for Financial Institutions H.R. 2068 Safe Harbor for Insurers S. 862 Safe Harbor for Insurers **Issues lobbied without specific bill number: Implementation of Risk-Rating 2.0, Climate risk to the insurance industry, COVID-19 personal and commercial insurance response and role, Federal crop insurance program, National Flood Insurance Program, Prospective pandemic protection H.R. 1270 Private Passenger Automobile Insurers H.R. 1512 Climate Crisis **Issues lobbied without specific bill number: Business of insurance, Credit-based insurance underwriting, Commercial vehicle liability insurance **Issues lobbied without specific bill number: Consent Towing H.R. 5823 Pandemic Risk Reinsurance Program S. 2491 National Cyber Resilience Assistance Fund S. 3128 National Flood Insurance Program Reauthorization **Issues lobbied without specific bill number: Financial services climate-related risk **Issues lobbied without specific bill number: Categories for reinsurers H.R. 5802 National Flood Insurance Program Reauthorization H.R. 8036 National Flood Insurance Program Extension H.R. 6833 National Flood Insurance Program Extension **Issues lobbied without specific bill number: Climate Change Related Issues and Gaps in Data S.3092 the FIRE Act

Client expense: Not reported · Firm income: $42,000

H.R. 1996 Protections for Financial Institutions H.R. 2068 Safe Harbor for Insurers S. 862 Safe Harbor for Insurers **Issues lobbied without specific bill number: Implementation of Risk-Rating 2.0, Climate risk to the insurance industry, COVID-19 personal and commercial insurance response and role, Federal crop insurance program, National Flood Insurance Program, Prospective pandemic protection H.R. 1270 Private Passenger Automobile Insurers H.R. 1512 Climate Crisis **Issues lobbied without specific bill number: Business of insurance, Credit-based insurance underwriting, Commercial vehicle liability insurance **Issues lobbied without specific bill number: Consent Towing H.R. 5823 Pandemic Risk Reinsurance Program S. 2491 National Cyber Resilience Assistance Fund S. 3128 National Flood Insurance Program Reauthorization **Issues lobbied without specific bill number: Financial services climate-related risk **Issues lobbied without specific bill number: Categories for reinsurers H.R. 5802 National Flood Insurance Program Reauthorization H.R. 8036 National Flood Insurance Program Extension H.R. 6833 National Flood Insurance Program Extension **Issues lobbied without specific bill number: Climate Change Related Issues and Gaps in Data

Client expense: $1,380,000 · Firm income: Not reported

H.R. 1270, Prohibit Auto Insurance Discrimination (PAID) Act H.R. 2547, Comprehensive Debt Collection Improvement Act H.R. 4277, Overdraft Protection Act of 2021 H.R. 5911, Fair Hiring in Banking Act H.R. 6814, Small Business Fair Debt Collection Protection Act H.R. 7412, Transparency in CFPB Cost-Benefit Analysis Act S. 2417, Credit Access and Inclusion Act of 2021 S. 2508, Veterans and Consumers Fair Credit Act S. 3056, Prohibiting IRS Financial Surveillance Act S. 3755, Arbitration Fairness for Consumers Act Draft legislation titled Ensuring Diversity in Community Banking Act Draft legislation titled Expanding Opportunity for MDIs Act Draft legislation to create a government-run credit bureau at the Consumer Financial Protection Bureau Draft legislation to provide a right of removal to federal court from administrative adjudication House companion legislation to S. 2417, Credit Access and Inclusion Act of 2021 Proposed rule regarding reinstatement of HUDs Discriminatory Effects Standard (86 Fed. Reg. 33,590-33,597, June 25, 2021) Proposed rule regarding beneficial ownership information reporting requirements (86 Fed. Reg. 69,920-69,974, December 8, 2021) Proposed interagency guidance on third-party relationships: risk management (86 Fed. Reg. 38,182-38,204, July 19, 2021) Review of Bank Secrecy Act regulations and guidance (86 Fed. Reg. 71,201-71,207, December 15, 2021) Proposed rule regarding Small Business Lending Data Collection Under the Equal Credit Opportunity Act (Regulation B) (86 Fed. Reg. 56,356-56,606, October 8, 2021) Statement of Principles for Climate-Related Financial Risk Management for Large Financial Institutions (87 Fed. Reg. 19,507-19,512, April 4, 2022) Request for Information and Comment on Rules, Regulations, Guidance, and Statements of Policy Regarding Bank Merger Transactions (87 Fed. Reg. 18,740-18,744, March 31, 2022) Notice and Request for Comment Regarding Fees Imposed by Providers of Consumer Financial Products or Services (87 Fed. Reg. 17,996-17,997, March 29, 2022) Proposed rule regarding Community Reinvestment Act (87 Fed. Reg. 33,884-34,066, June 3, 2022) Advance notice of proposed rulemaking; extension of comment period, regarding credit card late fees and late payments, (87 Fed. Reg. 42,662, July 18, 2022) Various issues relating to structure and independence of the Consumer Financial Protection Bureau; artificial intelligence and machine learning; congressional oversight of large banks; Department of Treasury proposal that would require financial institutions to report to the IRS on the deposits and withdrawals of all business and personal accounts, as well as transfers between accounts of the same owner; DOJ Bank Merger Competitive Analysis; OCC Request for Feedback on Principles for Climate-Related Financial Risk Management for Large Banks

H.R. 1270, Prohibit Auto Insurance Discrimination (PAID) Act Federal Insurance Office Request for Information on the Insurance Sector and Climate-Related Financial Risks (86 Fed. Reg. 48,814-48,819, August 31, 2021) Various issues relating to the reauthorization of the National Flood Insurance Program; retroactively altering business interruption insurance contracts related to COVID-19; creation of a prospective pandemic insurance program; pandemic risk insurance; special financial assistance for financially troubled multiemployer plans; development of an insurance capital standard by the International Association of Insurance Supervisors; availability and affordability of automotive insurance; diversity and inclusion in the insurance industry

Client expense: $23,940,000 · Firm income: Not reported

H.R. 481 - Flood Resiliency and Taxpayer Savings Act of 2021 H.R. 747 - FEMA Climate Change Preparedness Act H.R. 1270 - Prohibit Auto Insurance Discrimination (PAID) Act H.R.2632 -To eliminate any subsidies for flood insurance coverage under the National Flood Insurance Program for new construction, and for other purposes H.R.1797 -To amend the National Flood Insurance Act of 1968 to ensure community accountability for areas repetitively damaged by floods, and for other purposes. H.R.1640 -To amend the National Flood Insurance Act of 1968 to ensure community accountability for areas repetitively damaged by floods, and for other purposes. H.R.2068 - To create a safe harbor for insurers engaging in the business of insurance in connection with a cannabis-related legitimate business, and for other purposes. National Flood Insurance Program reform/reauthorization Policy related to mitigation and resiliency S.910 -Secure and Fair Enforcement (SAFE) Banking Act of 2021 H.R.1996 - SAFE Banking Act of 2021 H.R.481 - Flood Resiliency and Taxpayer Savings Act of 2021 H.R.1375/S. 1989 - Provide Accurate Information Directly Act (PAID) Act S.862 -CLAIM Act S.653 -COMP Act, Medicare Secondary payer National Defense Authorization Act (NDAA) related to TRICARE National Defense Authorization Act (NDAA) related to cyber incident reporting Policy related to the Business Continuity Protection Program (BCPP) H.R.8337, Continuing Appropriations Act, 2021 and Other Extensions Act PPP Extension Act of 2021 H.R.481 - Flood Resiliency and Taxpayer Savings Act of 2021 H.R.8036 - National Flood Insurance Program Extension Act of 2022 H.R.7776 - Water Resources Development Act of 2022 H.R. ___, the The Diverse Investment Advisers Act (Rep. Beatty) H.R. ___, the Minority and Women Inclusion in Insurance Act H.R. ___, the Diversify Insurers Workforce Study Act

S.524 - A bill to abolish the Federal Insurance Office of the Department of the Treasury, and for other purposes (Ted Cruz, R-TX) , ALL PROVISIONS H.R.1270 - To prohibit private passenger automobile insurers from using certain income proxies to determine insurance rates and eligibility (Bonnie Watson Coleman, D-NJ-12) , ALL PROVISIONS H.R.1240 - To amend the Federal Crop Insurance Act to modify prevented planting coverage (Dusty Johnson, R-SD-At Large) , ALL PROVISIONS S.359 - A bill to amend the Federal Crop Insurance Act to modify prevented planting coverage (John Hoeven, R-ND) , ALL PROVISIONS S.862 - A bill to create a safe harbor for insurers engaging in the business of insurance in connection with a cannabis-related legitimate business, and for other purposes (Robert Menendez, D-NJ) , ALL PROVISIONS oHouse Version: H.R.2068 - To create a safe harbor for insurers engaging in the business of insurance in connection with a cannabis-related legitimate business, and for other purposes (Nydia Velazquez, D-NY-7) , ALL PROVISIONS S.1083 - A bill to provide for the restoration of legal rights for claimants under holocaust-era insurance policies (Marco Rubio, R-FL) , ALL PROVISIONS oHouse Version: H.R.2493 - To provide for the restoration of legal rights for claimants under holocaust-era insurance policies (Debbie Wasserman Schultz, D-FL-23) , ALL PROVISIONS H.R.2632 - To eliminate any subsidies for flood insurance coverage under the National Flood Insurance Program for new construction, and for other purposes (Scott Peters, D-CA-52) , ALL PROVISIONS H.R.2995 - To require a report regarding the potential impacts of any changes to the risk-rating methodology for the National Flood Insurance Program of the Federal Emergency Management Agency before implementation, and for other purposes (Kathleen Rice, D-NY-4) , ALL PROVISIONS S.1458 - A bill to amend the Federal Crop Insurance Act to encourage the planting of cover crops following prevented planting, and for other purposes (John Thune, R-SD) , ALL PROVISIONS H.R.3099 - To amend the Financial Stability Act of 2010 to include the State insurance commissioner as a voting member of the Financial Stability Oversight Council, and for other purposes (John Garamendi, D-CA-3) , ALL PROVISIONS H.R.3416 - To allow communities to develop alternative flood insurance rate maps, and for other purposes (Blaine Luetkemeyer, R-MO-3) , ALL PROVISIONS H.R.3415 - 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 (Blaine Luetkemeyer, R-MO-3) , ALL PROVISIONS H.R.3417 - To provide for greater transfer of risk under the National Flood Insurance Program to private capital and reinsurance markets, and for other purposes (Blaine Luetkemeyer, R-MO-3) , ALL PROVISIONS H.R.3414 - To repeal the mandatory flood insurance coverage requirement for commercial properties located in flood hazard areas, and for other purposes (Blaine Luetkemeyer, R-MO-3) , ALL PROVISIONS S.1960 - A bill to restrict the ability of the Administrator of the Federal Emergency Management Agency to adjust the rates for flood insurance coverage under the National Flood Insurance Program, and for other purposes (John Kennedy, R-LA) , ALL PROVISIONS S.2153 - A bill to amend the National Flood Insurance Act of 1968 to ensure community accountability for areas repeatedly damaged by floods, and for other purposes (Tim Scott, R-SC) , ALL PROVISIONS S.2143 - A bill to authorize the Administrator of the Federal Emergency Management Agency to terminate certain contracts on the basis of detrimental conduct to the National Flood Insurance Program, and for other purposes (John Kennedy, R-LA) , ALL PROVISIONS H.R.4088 - To provide for improvements to National Flood Insurance Program rate maps, and for other purposes (Vincente Gonzalez, D-TX-15) , ALL PROVISIONS H.R.4226 - To restrict the ability of the Administrator of the Federal Emergency Management Agency to adjust the rates for flood insurance coverage under the National Flood Insurance Program, and for other purposes (Carlos Gimenez, R-FL-26) , ALL PROVISIONS H.R.4422 - 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 S.2418 - A bill to amend the Biggert-Waters Flood Insurance Reform Act of 2012 to improve mapping under the National Flood Insurance Program, and for other purposes (Marco Rubio, R-FL) , ALL PROVISIONS oHouse Version: H.R.4605 - To amend the Biggert-Waters Flood Insurance Reform Act of 2012 to improve mapping under the National Flood Insurance Program, and for other purposes (Bill Posey, R-FL-8) , ALL PROVISIONS S.2724 - NFIP Extension Act of 2021 - To reauthorize the National Flood Insurance Program (John Kennedy, R-LA) , ALL PROVISIONS H.R.5256 - To provide for the disclosure and sharing of certain policy and claims information under the National Flood Insurance Program, and for other purposes (Elaine Luria, D-VA-2) , ALL PROVISIONS S.2788 - A bill to reauthorize the National Flood Insurance Program (Marco Rubio, R-FL) , ALL PROVISIONS S.2869 - A bill to temporarily limit the authority of the Administrator of the Federal Emergency Management Agency to prescribe chargeable premium rates for flood insurance under the National Flood Insurance Program (Marco Rubio, R-FL) , ALL PROVISIONS S.2831 - A bill to require the National Flood Insurance Program to accept mid-term cancellations of flood insurance coverage if the insured acquires alternative coverage (Mike Lee, R-UT) , ALL PROVISIONS S.2832 - A bill to prohibit the National Flood Insurance Program from providing flood insurance subsidies for single-family residences that are valued at more than $1,000,000, and for other purposes (Mike Lee, R-UT) , ALL PROVISIONS S.2833 - A bill to amend the National Flood Insurance Act of 1968 to address the premium rates for certain properties under the National Flood Insurance Program, and for other purposes (Mike Lee, R-UT) , ALL PROVISIONS S.2913 - A bill to ensure that Write Your Own companies can sell private flood insurance products that compete with National Flood Insurance Program products (Rick Scott, R-FL) , ALL PROVISIONS S.2915 - A bill to allow National Flood Insurance Program policyholders who leave the program to purchase a private insurance flood policy to return the National Flood Insurance Program without penalty, and for other purposes (Rick Scott, R-FL) , ALL PROVISIONS S.2916 - A bill to amend the National Flood Insurance Act of 1968 to require that certain information is made publicly available, and for other purposes (Rick Scott, R-FL) , ALL PROVISIONS H.R.5734 - To amend the Internal Revenue Code of 1986 to establish a system for the taxation of catastrophic risk transfer companies to ensure sufficient capital to cover catastrophic insurance losses, and for other purposes (James Himes, D-CT-4) , ALL PROVISIONS S.3128 - A bill to reauthorize the National Flood Insurance Program, and for other purposes (Robert Menendez, D-NJ) , ALL PROVISIONS H.R.5802 - To reauthorize the National Flood Insurance Program, and for other purposes (Frank Pallone, Jr., D-NJ-6) , ALL PROVISIONS H.R.5823 - To establish a Pandemic Risk Reinsurance Program, and for other purposes (Carolyn Maloney, D-NY-12) , ALL PROVISIONS H.R.5793 - To temporarily limit the authority of the Administrator of the Federal Emergency Management Agency to prescribe chargeable premium rates for flood insurance under the National Flood Insurance Program (Mario Diaz-Balart, R-FL-25) , ALL PROVISIONS H.R.6087 - To amend chapter 81 of title 5, United States Code, to cover, for purposes of workers' compensation under such chapter, services by physician assistants and nurse practitioners provided to injured Federal workers, and for other purposes (Joe Courtney, D-CT-2) , ALL PROVISIONS S.3829 - A bill to require the Administrator of the Federal Emergency Management Agency to make publicly available information regarding the calculation of premiums under the National Flood Insurance Program, and for other purposes (Bill Cassidy, R-LA) , ALL PROVISIONS H.R.7221 - To increase coverage under the National Flood Insurance Program for costs of compliance, and for other purposes (Tom Rice, R-SC-7) , ALL PROVISIONS H.R.7202 - To establish a means-tested assistance program for national flood insurance program policyholders, and for other purposes (Matt Cartwright, D-PA-8) , ALL PROVISIONS S.3934 - Homeowner Flood Insurance Transparency and Protection Act - To permit policyholders under the National Flood Insurance Program to elect to have previous premium rates remain in effect until the Administrator of the Federal Emergency Management Agency satisfies certain conditions, and for other purposes (Cindy Hyde-Smith, R-MS) , ALL PROVISIONS H.R.7364 - Stop Flood Insurance Rate Hikes Act - To permit policyholders under the National Flood Insurance Program to elect to have previous premium rates remain in effect until the Administrator of the Federal Emergency Management Agency satisfies certain conditions, and for other purposes (Garret Graves, R-LA-6) , ALL PROVISIONS H.R.7498 - To amend the Federal Crop Insurance Act to direct the Federal Crop Insurance Corporation to conduct research and development on frost or cold weather insurance, and for other purposes (Gregory Steube, R-FL-17) , ALL PROVISIONS S.4110 - Primary Regulators of Insurance Vote Act of 2022 - To amend the Financial Stability Act of 2010 to include the State insurance commissioner as a voting member of the Financial Stability Oversight Council, and for other purposes (Tim Scott, R-SC) , ALL PROVISIONS H.R.7643 - To establish a Natural Disaster Risk Reinsurance Program, and for other purposes (Charlie Crist, D-FL-13) , ALL PROVISIONS H.R.7842 - To amend the National Flood Insurance Act of 1968 to expand opportunities for families living in areas of high flood risk to access Federal assistance for voluntary relocation, and for other purposes (Sean Casten, D-IL-6) , ALL PROVISIONS H.R.7836 - Repeatedly Flooded Communities Planning Assistance Act of 2022 - To amend the National Flood Insurance Act of 1968 to facilitate community action to address repetitively flooded areas, and for other purposes (Earl Blumenauer, D-OR-3) , ALL PROVISIONS H.R.7865 - To increase the availability of flood insurance for agricultural structures, and for other purposes (John Garamendi, D-CA-3) , ALL PROVISIONS H.R.8036 - National Flood Insurance Program Extension Act of 2022 (French Hill, R-AR-2) , ALL PROVISIONS Senate Version: S.4533 - NFIP Extension Act of 2022 - (John Kennedy, R-LA), ALL PROVISIONS H.R.8483 - To require studies regarding insurance coverage for damages from wildfires, and for other purposes (Maxine Waters, D-CA-43) , ALL PROVISIONS H.R. 8653 - To authorize appropriations to carry out payments with respect to qualified losses of covered crops occurring in calendar year 2022, and for other purposes. (Mike Thompson, D-CA-5) , ALL PROVISIONS H.R.9057 - To amend the Internal Revenue Code of 1986 to exclude from gross income certain income from providing homeowners insurance following certain federally declared disasters. (Clay Higgins, R-LA-3) , ALL PROVISIONS

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 H.R.2537 - To amend the Fair Debt Collection Practices Act to provide a timetable for the collection of medical debt by debt collectors, to amend the Fair Credit Reporting Act to prohibit consumer reporting agencies from issuing consumer reports containing information about debts related to medically necessary procedures, and for other purposes. H.R.1270 - PAID Act S.588 - Addressing Climate Financial Risk Act of 2021

Client expense: $226,012 · Firm income: Not reported

Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of, U.S. Trade Representative (USTR)

Issues relating to factors used in establishing auto insurance rates and eligibility, including H.R. 1270 and the Federal Insurance Office study on auto insurance premiums. Discussed possible Federal Trade Commission study on the rising price and competitive landscape of automobile repair parts. H.R. 1996/S.910/H.R. 2068/S. 862, SAFE Act/CLAIM Act, cannabis legislation related to insurance and banking issues. Discussed generally the impact of climate risk on the business of insurance, including SEC proposed rulemaking on climate disclosures. Congressional efforts to better understand commercial use of artificial intelligence and its impact on consumers. Issues relating to Consumer Financial Protection Bureau administrative efforts relating to disparate impact analysis in the delivery of financial services. Issues related to consideration of pandemic risk insurance. Issues relating to reauthorization of the National Flood Insurance Program and FEMAs Risk Rating 2.0 flood insurance plan. H.R. 5689 - Resilient AMERICA Act (RAA) relating to disaster resilience issues and expanding coverage for hazard mitigation. Issues relating to the Financial Stability Oversight Councils approach to systemic risk. Issues relating to the Federal Reserve Boards rulemaking on capital standards for Insurance Savings and Loan Companies and U.S. federal government participation in the International Association of Insurance Supervisors development of international group capital standards and holistic framework for insurance supervision. Issues relating to the Federal Insurance Offices Request for Information on the Insurance Sector and Climate-Related Financial Risks. Issues relating to diversity and inclusion within the insurance industry as well as other insurers' activities surrounding chattel slavery.

ISSUEDiversity, Equity, and Inclusion Initiatives ISSUEPaid Medical and Family Leave ISSUENational Data Privacy Standard ISSUESystemic Risk/Capital Standards PL 111-203, Dodd-Frank Wall Street Reform and Consumer Protection Act - provide financial regulatory reform, to protect consumers and investors, to enhance federal understanding of insurance issues, and other purposes. ISSUEAutonomous Vehicles ISSUE Federal Pandemic Risk Programs ISSUE Insurance Underwriting HR 842/S 420, Protecting the Right to Organize (PRO) Act - amend the National Labor Relations Act, the Labor Management Relations Act, 1947, and the Labor-Management Reporting and Disclosure Act of 1959, and for other purposes. HR 528, Financial Stability Oversight Council (FSOC) Reform Act - place FSOC and the Office of Financial Research under the regular appropriations process and to provide for certain quarterly reporting and public notice and comment requirements for the Office of Financial Research. HR 1523/S 526, Modern Worker Empowerment Act - to amend the Fair Labor Standards Act of 1938 to harmonize the definition of employee with the common law. HR 5, Equality Act - prohibits discrimination based on sex, sexual orientation, and gender identity in areas including public accommodations and facilities, education, federal funding, employment, housing, credit, and the jury system. HR 1277/S 374, Improving Corporate Governance Through Diversity Act - prohibits an automobile insurer from considering specified factors when determining a consumer's insurance rates or eligibility. HR 1270, PAID Act - prohibits an automobile insurer from considering specified factors when determining a consumer's insurance rates or eligibility. HR 1255/S 377, Living Donor Protection Act - promote and protect from discrimination living organ do HR 1816, Information Transparency & Personal Data Control Act - require the Federal Trade Commission to promulgate regulations related to sensitive personal information, and for other purposes. HR 1512, CLEAN Future Act - build a clean future by addressing the climate crisis, protecting the health, and putting the Nation on the path to a net-zero greenhouse gas economy by 2050. S 524, Federal Insurance Abolishment Act - to eliminate the Federal Insurance Office. HR 1549/S 588, Addressing Climate Financial Risk Act - establish the Advisory Committee on Climate Risk on the Financial Stability Oversight Council. HR 1641/S 638, Promoting Infrastructure by Protecting Our Subcontractors and Taxpayers Act - to include a payment and performance security requirement for certain infrastructure financing. HR 1187, ESG Disclosure Simplification Act of 2021 - requires an issuer of securities to annually disclose to shareholders certain environmental, social, and governance metrics. S 653, Coordination of Medicare Payments and Workers Compensation (COMP) Act - provide for the application of MSP rules to certain workers' compensation settlement agreements and qualified Medicare set-aside provisions. HR 2068/S 862, CLAIM Act - safe harbor for insurers engaging in the business of insurance in connection with a cannabis-related legitimate business. HR 1996/S 910, SAFE Banking Act - create protections for financial institutions that provide financial services to cannabis-related legitimate businesses S 574, PROTECT Asbestos Victims Act - improve asbestos trust claim transparency. S 840, Litigation Funding Transparency Act - increase transparency and oversight of third-party litigation funding. HR 358, FRESH Trucking Act - modifies service hour requirements for drivers transporting perishable agricultural, horticultural, or floricultural commodities. HR 1799, PPP Extension Act of 2021 - extend deadlines for the Paycheck Protection Program. HR 2467 PFAS Action Act of 2021 -- require EPA to designate per- and polyfluoroalkyl substances as hazardous substances HR 2570/S 1217 Climate Risk Disclosure Act of 2021 -- directs SEC to require issuers to disclose information regarding climate change-related risks. HR 2001 Diversity Data Accountability Act - requires regulated entities to report to the Offices of Women and Minority Inclusion within specified financial agencies. HR 1087 Shareholder Political Transparency Act -- requires disclosure of information related to expenditures for political activities HR 3099 Primary Regulators of Insurance Vote Act -- To include the State insurance commissioner as a voting member of the FSOC. HR 3962/S 1625 SECURE Notarization Act -- To authorize notaries public to perform, and to establish minimum standards for, electronic notarizations and remote notarizations S 1805SHELTER Act -- allows a tax credit to individuals and businesses for disaster mitigation expenditures. S 1896Algorithmic Justice and Online Platform Transparency Act -- To prohibit the discriminatory use of personal information by online platforms in any algorithmic process HR 3571/S 1876 Climate Change Financial Risk Act of 2021 -- To require the Fed to develop and conduct financial risk analyses relating to climate change, and for other purposes. HR 3664 SMART Act -- to provide for an exception from patent infringement for certain component parts of motor vehicles. HR 3676 To amend title 23, United States Code, to establish national standards relating to sanctions for individuals who drive a motor vehicle, with a child passenger in the vehicle, while intoxicated or impaired, and for other purposes. HR 3711 SELF DRIVE Act -- to provide safety measures for over highly automated vehicles HR 1187 Corporate Governance Improvement and Investor Protection Act - to require annual disclosure of certain ESG metrics. HR 3675 Drug-Impaired Driving Education Act -- To establish a grant program to educate the public on the dangers of drug-impaired driving, and for other purposes. HR 3757/S 1999 Multiple Substance Impaired Driving Prevention Act -- To authorize the use of certain Federal funds for multiple substance impaired driving countermeasures HR 3899 Financial Stability Oversight Council Improvement Act of 2021 -- To amend the Financial Stability Act of 2010 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, and for other purposes. DRAFT Consumer Information Notification Requirement Act -- to provide a national standard for financial institution data security and breach notification. S 919 Data Care Act of 2021 -- imposes various duties on online service providers with respect to their handling of individual-identifying data 4614 Resilient Federal Forests Act of 2021 - improve forest management activities on National Forest System lands HR 4675/S 2432 Catastrophe Loss Mitigation Incentive and Tax Parity Act of 2021 - excludes from gross income qualified catastrophe mitigation payment made under a state-based catastrophe loss mitigation program. HR 4866 Federal Insurance Office Elimination Act - to abolish FIO HR 5823, Pandemic Risk Insurance Act (PRIA) 2022 - establish a Pandemic Risk Reinsurance Program HR 5736, Booster Seat Safety Act - direct the Secretary of Transportation to revise regulations relating to child restraint systems HR 5807/S 3065, DATA Privacy Act - establishes information security requirements for businesses that collect, process, store, or disclose information HR 963, Forced Arbitration Injustice Repeal Act - prohibits a pre-dispute arbitration agreement from being valid or enforceable if it requires arbitration of an employment, consumer, antitrust, or civil rights dispute HR 5734, Catastrophic Risk Transfer (CART) Act - to establish a system for the taxation of catastrophic risk transfer companies to ensure sufficient capital to cover catastrophic insurance losses HR 5689, Resilient AMERICA Act - improve the provision of Federal resources to help build capacity and fund risk-reducing, cost-effective mitigation projects HR 4006 Fair Repair Act -- requires an original equipment manufacturer (OEM) to make diagnostic, maintenance, and repair equipment available to independent repair providers HR 6580/S 3572 Algorithmic Accountability Act of 2022 -- direct the Federal Trade Commission to require impact assessments of automated decision systems and augmented critical decision processes HR 6570 REPAIR Act -- ensure consumers have access to data relating to their motor vehicles, critical repair information, and tools, and to provide them choices for the maintenance, service, and repair of their motor vehicles HR 4521 America COMPETES Act -- bill addresses U.S. technology and communications, foreign relations and national security, domestic manufacturing, education, trade, and other matters HR 4777/S 2497 Nondebtor Release Prohibition Act -- addresses the release by bankruptcy courts of creditor or other third-party claims against non-debtors S 3844Economic Continuity and Stability Act -- establish a clear and uniform process, on a nationwide basis, for replacing the London interbank offered rate in existing contracts S 3715E-SIGN Modernization Act -- repeals certain requirements regarding the use of electronic records in commerce S 3755Arbitration Fairness for Consumers Act -- amend the Consumer Financial Protection Act of 2010 with respect to arbitration HR 6027 Online Privacy Act -- establishes certain online privacy rights for personal information (including contents of communications) and certain requirements for data processors, service providers, and third parties S 3875, Community Disaster Resilience Zones Act -- require the President to develop and maintain products that show the risk of natural hazards across the United States DRAFT, Jumpstart our Business Startups Act of 2022 -- help accelerate economic growth and spur new business formation S 4110, Primary Regulators of Insurance Vote Act of 2022 -- establishes a state insurance commissioner as a voting member of the Financial Stability Oversight Council S 4299, Rebuilding Small Businesses After Disasters Act -- to repeal the sunset for collateral requirements for Small Business Administration disaster loans S 4274, National Wildland Fire Risk Reduction Program Act -- improve the Federal effort to reduce wildland fire risks ISSUE, SEC 144A/Rule 15c2-11 No Action Letter ISSUE, ESG, DEI, Climate-Related Financial Risk HR 8152, American Data Privacy and Protection Act - to create a federal privacy standard DRAFT, Data Breach and Security Notification Act of 2021- to establish data breach and security standards. DRAFT, Rep. McHenry/Financial Services Privacy Draft - to amend GLBA HR 8063, RAMP Act - to improve MSP statute by eliminating the private right of action HR 8254 Financial Services and General Government Appropriations Act, 2023 - FY2023 appropriations for several federal departments and agencies HR 7900 National Defense Authorization Act for Fiscal Year 2023 - authorizes Department of Defense (DOD) activities for FY2023 HR 4346 CHIPS and Science Act of 2022 - funds to support the domestic production of semiconductors and authorizes various programs and activities of the federal science agencies. S 4619 Fair Access to Financial Services Act - provide that all persons shall be entitled to the full and equal enjoyment of the goods, services, facilities, privileges, and accommodations of financial institutions HR 8589 To prohibit the Securities and Exchange Commission from finalizing the proposed rule titled "The Enhancement and Standardization of Climate-Related Disclosures for Investors", and for other purposes - prevent finalization of SEC climate-risk disclosure rule HR 2123 D&I DATA Act - requires certain regulated entities to report to the Offices of Women and Minority Inclusion within specified financial agencies ISSUE SEC Rule 144A/15c2-11 HR 8483 Wildfire Insurance Coverage Study Act of 2022 - require studies regarding insurance coverage for damages from wildfires DRAFT Diverse Investment Advisers Act - require companies to consider diverse individual-owned and controlled firms when seeking the services of investment advisers DRAFT Minority and Women Inclusion in Insurance Act - require FIO to conduct an annual survey of insurers to determine the extent of diversity in the insurance industry DRAFT Diversify Insurers Workforce Study Act - require FIO to conduct a study regarding recruitment, retention, and attrition of employees in the insurance industry

Regulatory structure for insurance and financial services. Automobile insurance issues, including H.R.1270, the "PAID Act." Surety bonding requirements for infrastructure projects, including HR 1641, the "Promoting Infrastructure by Protecting Our Subcontractors and Taxpayers Act," and HR 3684, the "INVEST in America Act." Legislative proposals addressing pandemic risk insurance and business interruption insurance.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 1996 Protections for Financial Institutions H.R. 2068 Safe Harbor for Insurers S. 862 Safe Harbor for Insurers **Issues lobbied without specific bill number: Implementation of Risk-Rating 2.0, Climate risk to the insurance industry, COVID-19 personal and commercial insurance response and role, Federal crop insurance program, National Flood Insurance Program, Prospective pandemic protection H.R. 1270 Private Passenger Automobile Insurers H.R. 1512 Climate Crisis **Issues lobbied without specific bill number: Business of insurance, Credit-based insurance underwriting, Commercial vehicle liability insurance **Issues lobbied without specific bill number: Consent Towing H.R. 5823 Pandemic Risk Reinsurance Program S. 2491 National Cyber Resilience Assistance Fund S. 3128 National Flood Insurance Program Reauthorization **Issues lobbied without specific bill number: Financial services climate-related risk **Issues lobbied without specific bill number: Categories for reinsurers H.R. 5802 National Flood Insurance Program Reauthorization H.R. 8036 National Flood Insurance Program Extension

Client expense: $1,620,000 · Firm income: Not reported

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 H.R.2537 - To amend the Fair Debt Collection Practices Act to provide a timetable for the collection of medical debt by debt collectors, to amend the Fair Credit Reporting Act to prohibit consumer reporting agencies from issuing consumer reports containing information about debts related to medically necessary procedures, and for other purposes. H.R.1270 - PAID Act S.588 - Addressing Climate Financial Risk Act of 2021

Client expense: $948,480 · Firm income: Not reported

Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of, U.S. Trade Representative (USTR)

H.R. 481 - Flood Resiliency and Taxpayer Savings Act of 2021 H.R. 747 - FEMA Climate Change Preparedness Act H.R. 1270 - Prohibit Auto Insurance Discrimination (PAID) Act H.R.2632 -To eliminate any subsidies for flood insurance coverage under the National Flood Insurance Program for new construction, and for other purposes H.R.1797 -To amend the National Flood Insurance Act of 1968 to ensure community accountability for areas repetitively damaged by floods, and for other purposes. H.R.1640 -To amend the National Flood Insurance Act of 1968 to ensure community accountability for areas repetitively damaged by floods, and for other purposes. H.R.2068 - To create a safe harbor for insurers engaging in the business of insurance in connection with a cannabis-related legitimate business, and for other purposes. National Flood Insurance Program reform/reauthorization Policy related to mitigation and resiliency S.910 -Secure and Fair Enforcement (SAFE) Banking Act of 2021 H.R.1996 - SAFE Banking Act of 2021 H.R.481 - Flood Resiliency and Taxpayer Savings Act of 2021 H.R.1375/S. 1989 - Provide Accurate Information Directly Act (PAID) Act S.862 -CLAIM Act S.653 -COMP Act, Medicare Secondary payer National Defense Authorization Act (NDAA) related to TRICARE National Defense Authorization Act (NDAA) related to cyber incident reporting Policy related to the Business Continuity Protection Program (BCPP) H.R.8337, Continuing Appropriations Act, 2021 and Other Extensions Act PPP Extension Act of 2021 H.R.481 - Flood Resiliency and Taxpayer Savings Act of 2021 H.R.8036 - National Flood Insurance Program Extension Act of 2022 H.R.7776 - Water Resources Development Act of 2022

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

H.R. 1996 Protections for Financial Institutions H.R. 2068 Safe Harbor for Insurers S. 862 Safe Harbor for Insurers **Issues lobbied without specific bill number: Implementation of Risk-Rating 2.0, Climate risk to the insurance industry, COVID-19 personal and commercial insurance response and role, Federal crop insurance program, National Flood Insurance Program, Prospective pandemic protection H.R. 1270 Private Passenger Automobile Insurers H.R. 1512 Climate Crisis **Issues lobbied without specific bill number: Business of insurance, Credit-based insurance underwriting, Commercial vehicle liability insurance **Issues lobbied without specific bill number: Consent Towing H.R. 5823 Pandemic Risk Reinsurance Program S. 2491 National Cyber Resilience Assistance Fund S. 3128 National Flood Insurance Program Reauthorization **Issues lobbied without specific bill number: Financial services climate-related risk **Issues lobbied without specific bill number: Categories for reinsurers H.R. 5802 National Flood Insurance Program Reauthorization H.R. 8036 National Flood Insurance Program Extension

Client expense: Not reported · Firm income: $42,000

Issues relating to factors used in establishing auto insurance rates and eligibility, including H.R. 1270 and the Federal Insurance Office study on auto insurance premiums. Discussed the idea of a Federal Trade Commission study on the rising price and competitive landscape of automobile repair parts. H.R. 1996/S.910/H.R. 2068/S. 862, SAFE Act/CLAIM Act, cannabis legislation related to insurance and banking issues. Discussed generally the impact of climate risk on the business of insurance, including SEC proposed rulemaking on climate disclosures. Congressional efforts to better understand commercial use of artificial intelligence and its impact on consumers. Issues relating to Consumer Financial Protection Bureau administrative efforts relating to disparate impact analysis in the delivery of financial services. Issues related to consideration of pandemic risk insurance. Issues relating to reauthorization of the National Flood Insurance Program and FEMAs Risk Rating 2.0 flood insurance plan. H.R. 5689 - Resilient AMERICA Act (RAA) relating to disaster resilience issues and expanding coverage for hazard mitigation. Issues relating to the Financial Stability Oversight Councils approach to systemic risk. Issues relating to the Federal Reserve Boards rulemaking on capital standards for Insurance Savings and Loan Companies and U.S. federal government participation in the International Association of Insurance Supervisors development of international group capital standards and holistic framework for insurance supervision. Issues relating to the Federal Insurance Offices Request for Information on the Insurance Sector and Climate-Related Financial Risks. Issues relating to diversity and inclusion within the insurance industry as well as other insurers' activities surrounding chattel slavery.

S.524 - A bill to abolish the Federal Insurance Office of the Department of the Treasury, and for other purposes (Ted Cruz, R-TX) , ALL PROVISIONS H.R.1270 - To prohibit private passenger automobile insurers from using certain income proxies to determine insurance rates and eligibility (Bonnie Watson Coleman, D-NJ-12) , ALL PROVISIONS H.R.1240 - To amend the Federal Crop Insurance Act to modify prevented planting coverage (Dusty Johnson, R-SD-At Large) , ALL PROVISIONS S.359 - A bill to amend the Federal Crop Insurance Act to modify prevented planting coverage (John Hoeven, R-ND) , ALL PROVISIONS S.862 - A bill to create a safe harbor for insurers engaging in the business of insurance in connection with a cannabis-related legitimate business, and for other purposes (Robert Menendez, D-NJ) , ALL PROVISIONS oHouse Version: H.R.2068 - To create a safe harbor for insurers engaging in the business of insurance in connection with a cannabis-related legitimate business, and for other purposes (Nydia Velazquez, D-NY-7) , ALL PROVISIONS S.1083 - A bill to provide for the restoration of legal rights for claimants under holocaust-era insurance policies (Marco Rubio, R-FL) , ALL PROVISIONS oHouse Version: H.R.2493 - To provide for the restoration of legal rights for claimants under holocaust-era insurance policies (Debbie Wasserman Schultz, D-FL-23) , ALL PROVISIONS H.R.2632 - To eliminate any subsidies for flood insurance coverage under the National Flood Insurance Program for new construction, and for other purposes (Scott Peters, D-CA-52) , ALL PROVISIONS H.R.2995 - To require a report regarding the potential impacts of any changes to the risk-rating methodology for the National Flood Insurance Program of the Federal Emergency Management Agency before implementation, and for other purposes (Kathleen Rice, D-NY-4) , ALL PROVISIONS S.1458 - A bill to amend the Federal Crop Insurance Act to encourage the planting of cover crops following prevented planting, and for other purposes (John Thune, R-SD) , ALL PROVISIONS H.R.3099 - To amend the Financial Stability Act of 2010 to include the State insurance commissioner as a voting member of the Financial Stability Oversight Council, and for other purposes (John Garamendi, D-CA-3) , ALL PROVISIONS H.R.3416 - To allow communities to develop alternative flood insurance rate maps, and for other purposes (Blaine Luetkemeyer, R-MO-3) , ALL PROVISIONS H.R.3415 - 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 (Blaine Luetkemeyer, R-MO-3) , ALL PROVISIONS H.R.3417 - To provide for greater transfer of risk under the National Flood Insurance Program to private capital and reinsurance markets, and for other purposes (Blaine Luetkemeyer, R-MO-3) , ALL PROVISIONS H.R.3414 - To repeal the mandatory flood insurance coverage requirement for commercial properties located in flood hazard areas, and for other purposes (Blaine Luetkemeyer, R-MO-3) , ALL PROVISIONS S.1960 - A bill to restrict the ability of the Administrator of the Federal Emergency Management Agency to adjust the rates for flood insurance coverage under the National Flood Insurance Program, and for other purposes (John Kennedy, R-LA) , ALL PROVISIONS S.2153 - A bill to amend the National Flood Insurance Act of 1968 to ensure community accountability for areas repeatedly damaged by floods, and for other purposes (Tim Scott, R-SC) , ALL PROVISIONS S.2143 - A bill to authorize the Administrator of the Federal Emergency Management Agency to terminate certain contracts on the basis of detrimental conduct to the National Flood Insurance Program, and for other purposes (John Kennedy, R-LA) , ALL PROVISIONS H.R.4088 - To provide for improvements to National Flood Insurance Program rate maps, and for other purposes (Vincente Gonzalez, D-TX-15) , ALL PROVISIONS H.R.4226 - To restrict the ability of the Administrator of the Federal Emergency Management Agency to adjust the rates for flood insurance coverage under the National Flood Insurance Program, and for other purposes (Carlos Gimenez, R-FL-26) , ALL PROVISIONS H.R.4422 - 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 S.2418 - A bill to amend the Biggert-Waters Flood Insurance Reform Act of 2012 to improve mapping under the National Flood Insurance Program, and for other purposes (Marco Rubio, R-FL) , ALL PROVISIONS oHouse Version: H.R.4605 - To amend the Biggert-Waters Flood Insurance Reform Act of 2012 to improve mapping under the National Flood Insurance Program, and for other purposes (Bill Posey, R-FL-8) , ALL PROVISIONS S.2724 - NFIP Extension Act of 2021 - To reauthorize the National Flood Insurance Program (John Kennedy, R-LA) , ALL PROVISIONS H.R.5256 - To provide for the disclosure and sharing of certain policy and claims information under the National Flood Insurance Program, and for other purposes (Elaine Luria, D-VA-2) , ALL PROVISIONS S.2788 - A bill to reauthorize the National Flood Insurance Program (Marco Rubio, R-FL) , ALL PROVISIONS S.2869 - A bill to temporarily limit the authority of the Administrator of the Federal Emergency Management Agency to prescribe chargeable premium rates for flood insurance under the National Flood Insurance Program (Marco Rubio, R-FL) , ALL PROVISIONS S.2831 - A bill to require the National Flood Insurance Program to accept mid-term cancellations of flood insurance coverage if the insured acquires alternative coverage (Mike Lee, R-UT) , ALL PROVISIONS S.2832 - A bill to prohibit the National Flood Insurance Program from providing flood insurance subsidies for single-family residences that are valued at more than $1,000,000, and for other purposes (Mike Lee, R-UT) , ALL PROVISIONS S.2833 - A bill to amend the National Flood Insurance Act of 1968 to address the premium rates for certain properties under the National Flood Insurance Program, and for other purposes (Mike Lee, R-UT) , ALL PROVISIONS S.2913 - A bill to ensure that Write Your Own companies can sell private flood insurance products that compete with National Flood Insurance Program products (Rick Scott, R-FL) , ALL PROVISIONS S.2915 - A bill to allow National Flood Insurance Program policyholders who leave the program to purchase a private insurance flood policy to return the National Flood Insurance Program without penalty, and for other purposes (Rick Scott, R-FL) , ALL PROVISIONS S.2916 - A bill to amend the National Flood Insurance Act of 1968 to require that certain information is made publicly available, and for other purposes (Rick Scott, R-FL) , ALL PROVISIONS H.R.5734 - To amend the Internal Revenue Code of 1986 to establish a system for the taxation of catastrophic risk transfer companies to ensure sufficient capital to cover catastrophic insurance losses, and for other purposes (James Himes, D-CT-4) , ALL PROVISIONS S.3128 - A bill to reauthorize the National Flood Insurance Program, and for other purposes (Robert Menendez, D-NJ) , ALL PROVISIONS H.R.5802 - To reauthorize the National Flood Insurance Program, and for other purposes (Frank Pallone, Jr., D-NJ-6) , ALL PROVISIONS H.R.5823 - To establish a Pandemic Risk Reinsurance Program, and for other purposes (Carolyn Maloney, D-NY-12) , ALL PROVISIONS H.R.5793 - To temporarily limit the authority of the Administrator of the Federal Emergency Management Agency to prescribe chargeable premium rates for flood insurance under the National Flood Insurance Program (Mario Diaz-Balart, R-FL-25) , ALL PROVISIONS H.R.6087 - To amend chapter 81 of title 5, United States Code, to cover, for purposes of workers' compensation under such chapter, services by physician assistants and nurse practitioners provided to injured Federal workers, and for other purposes (Joe Courtney, D-CT-2) , ALL PROVISIONS S.3829 - A bill to require the Administrator of the Federal Emergency Management Agency to make publicly available information regarding the calculation of premiums under the National Flood Insurance Program, and for other purposes (Bill Cassidy, R-LA) , ALL PROVISIONS H.R.7221 - To increase coverage under the National Flood Insurance Program for costs of compliance, and for other purposes (Tom Rice, R-SC-7) , ALL PROVISIONS H.R.7202 - To establish a means-tested assistance program for national flood insurance program policyholders, and for other purposes (Matt Cartwright, D-PA-8) , ALL PROVISIONS S.3934 - Homeowner Flood Insurance Transparency and Protection Act - To permit policyholders under the National Flood Insurance Program to elect to have previous premium rates remain in effect until the Administrator of the Federal Emergency Management Agency satisfies certain conditions, and for other purposes (Cindy Hyde-Smith, R-MS) , ALL PROVISIONS H.R.7364 - Stop Flood Insurance Rate Hikes Act - To permit policyholders under the National Flood Insurance Program to elect to have previous premium rates remain in effect until the Administrator of the Federal Emergency Management Agency satisfies certain conditions, and for other purposes (Garret Graves, R-LA-6) , ALL PROVISIONS H.R.7498 - To amend the Federal Crop Insurance Act to direct the Federal Crop Insurance Corporation to conduct research and development on frost or cold weather insurance, and for other purposes (Gregory Steube, R-FL-17) , ALL PROVISIONS S.4110 - Primary Regulators of Insurance Vote Act of 2022 - To amend the Financial Stability Act of 2010 to include the State insurance commissioner as a voting member of the Financial Stability Oversight Council, and for other purposes (Tim Scott, R-SC) , ALL PROVISIONS H.R.7643 - To establish a Natural Disaster Risk Reinsurance Program, and for other purposes (Charlie Crist, D-FL-13) , ALL PROVISIONS H.R.7842 - To amend the National Flood Insurance Act of 1968 to expand opportunities for families living in areas of high flood risk to access Federal assistance for voluntary relocation, and for other purposes (Sean Casten, D-IL-6) , ALL PROVISIONS H.R.7836 - Repeatedly Flooded Communities Planning Assistance Act of 2022 - To amend the National Flood Insurance Act of 1968 to facilitate community action to address repetitively flooded areas, and for other purposes (Earl Blumenauer, D-OR-3) , ALL PROVISIONS H.R.7865 - To increase the availability of flood insurance for agricultural structures, and for other purposes (John Garamendi, D-CA-3) , ALL PROVISIONS H.R.8036 - National Flood Insurance Program Extension Act of 2022 (French Hill, R-AR-2) , ALL PROVISIONS

H.R. 1270, Prohibit Auto Insurance Discrimination (PAID) Act H.R. 4277, Overdraft Protection Act of 2021 H.R. 5911, Fair Hiring in Banking Act H.R. 6814, Small Business Fair Debt Collection Protection Act H.R. 7412, Transparency in CFPB Cost-Benefit Analysis Act S. 2417, Credit Access and Inclusion Act of 2021 S. 2508, Veterans and Consumers Fair Credit Act S. 3056, Prohibiting IRS Financial Surveillance Act S. 3755, Arbitration Fairness for Consumers Act Draft legislation titled Ensuring Diversity in Community Banking Act Draft legislation titled Expanding Opportunity for MDIs Act Draft legislation to create a government-run credit bureau at the Consumer Financial Protection Bureau Draft legislation to provide a right of removal to federal court from administrative adjudication Nomination of Sarah Bloom Raskin, Vice Chair for Supervision, Federal Reserve Proposed rule regarding reinstatement of HUDs discriminatory effects standard (86 Fed. Reg. 33,590-33,597, June 25, 2021) FinCEN proposed rule on Beneficial Ownership Reporting Requirements (86 Fed. Reg. 69,920-69,974, December 8, 2021) Proposed Interagency Guidance on Third-Party Relationships: Risk Management (86 Fed. Reg. 38,182-38,204, July 19, 2021); Rulemaking to implement Section 1071 of the Dodd-Frank Wall Street Reform and Consumer Protection Act (86 Fed. Reg. 56,356-56,606, October 8, 2021); Various issues relating to structure and independence of the Consumer Financial Protection Bureau; artificial intelligence and machine learning; DOJ Bank Merger Competitive Analysis; OCC Request for Feedback on Principles for Climate-Related Financial Risk Management for Large Banks; FinCEN RFI on Review of Bank Secrecy Act Regulations and Guidance; FDIC Request for Information on Climate-Related Financial Risk Management for Large Institutions; FDIC Request for Comment on Rules, Regulations, Guidance, and Statement of Policy on Bank Merger Transactions

H.R. 1270, Prohibit Auto Insurance Discrimination (PAID) Act Potential legislation to create a federal insurance program to manage the risk of pandemics Federal Insurance Office Request for Information on the Insurance Sector and Climate-Related Financial Risks (86 Fed. Reg. 48,814-48,819, August 31, 2021) Various issues relating to the reauthorization of the National Flood Insurance Program; retroactively altering business interruption insurance contracts related to COVID-19; creation of a prospective pandemic insurance program; pandemic risk insurance; special financial assistant for financially troubled multiemployer plans; development of an insurance capital standard by the International Association of Insurance Supervisors; availability and affordability of automotive insurance

Client expense: $15,800,000 · Firm income: Not reported

Regulatory structure for insurance and financial services. Automobile insurance issues, including H.R.1270, the "PAID Act." Surety bonding requirements for infrastructure projects, including HR 1641, the "Promoting Infrastructure by Protecting Our Subcontractors and Taxpayers Act," and HR 3684, the "INVEST in America Act." Legislative proposals addressing pandemic risk insurance and business interruption insurance.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

ISSUEDiversity, Equity, and Inclusion Initiatives ISSUEPaid Medical and Family Leave ISSUENational Data Privacy Standard ISSUESystemic Risk/Capital Standards PL 111-203, Dodd-Frank Wall Street Reform and Consumer Protection Act - provide financial regulatory reform, to protect consumers and investors, to enhance federal understanding of insurance issues, and other purposes. ISSUEAutonomous Vehicles ISSUE Federal Pandemic Risk Programs ISSUE Insurance Underwriting HR 842/S 420, Protecting the Right to Organize (PRO) Act - amend the National Labor Relations Act, the Labor Management Relations Act, 1947, and the Labor-Management Reporting and Disclosure Act of 1959, and for other purposes. HR 528, Financial Stability Oversight Council (FSOC) Reform Act - place FSOC and the Office of Financial Research under the regular appropriations process and to provide for certain quarterly reporting and public notice and comment requirements for the Office of Financial Research. HR 1523/S 526, Modern Worker Empowerment Act - to amend the Fair Labor Standards Act of 1938 to harmonize the definition of employee with the common law. HR 5, Equality Act - prohibits discrimination based on sex, sexual orientation, and gender identity in areas including public accommodations and facilities, education, federal funding, employment, housing, credit, and the jury system. HR 1277/S 374, Improving Corporate Governance Through Diversity Act - prohibits an automobile insurer from considering specified factors when determining a consumer's insurance rates or eligibility. HR 1270, PAID Act - prohibits an automobile insurer from considering specified factors when determining a consumer's insurance rates or eligibility. HR 1255/S 377, Living Donor Protection Act - promote and protect from discrimination living organ do HR 1816, Information Transparency & Personal Data Control Act - require the Federal Trade Commission to promulgate regulations related to sensitive personal information, and for other purposes. HR 1512, CLEAN Future Act - build a clean future by addressing the climate crisis, protecting the health, and putting the Nation on the path to a net-zero greenhouse gas economy by 2050. S 524, Federal Insurance Abolishment Act - to eliminate the Federal Insurance Office. HR 1549/S 588, Addressing Climate Financial Risk Act - establish the Advisory Committee on Climate Risk on the Financial Stability Oversight Council. HR 1641/S 638, Promoting Infrastructure by Protecting Our Subcontractors and Taxpayers Act - to include a payment and performance security requirement for certain infrastructure financing. DRAFTDisaster Protection for Workers' Credit Act - suspend negative credit reporting in certain circumstances. HR 1187, ESG Disclosure Simplification Act of 2021 - requires an issuer of securities to annually disclose to shareholders certain environmental, social, and governance metrics. S 653, Coordination of Medicare Payments and Workers Compensation (COMP) Act - provide for the application of MSP rules to certain workers' compensation settlement agreements and qualified Medicare set-aside provisions. DRAFTDiverse Investment Advisers Act - require companies to consider diverse firms when seeking the services of investment advisers. HR 2068/S 862, CLAIM Act - safe harbor for insurers engaging in the business of insurance in connection with a cannabis-related legitimate business. HR 1996/S 910, SAFE Banking Act - create protections for financial institutions that provide financial services to cannabis-related legitimate businesses S 574, PROTECT Asbestos Victims Act - improve asbestos trust claim transparency. S 840, Litigation Funding Transparency Act - increase transparency and oversight of third-party litigation funding. HR 1780, Paris Climate Agreement Disclosure Act - amend the Securities Exchange Act of 1934 to require disclosures related to the Paris Climate Agreement. HR 358, FRESH Trucking Act - modifies service hour requirements for drivers transporting perishable agricultural, horticultural, or floricultural commodities. HR 1799, PPP Extension Act of 2021 - extend deadlines for the Paycheck Protection Program. HR 2467 PFAS Action Act of 2021 -- require EPA to designate per- and polyfluoroalkyl substances as hazardous substances HR 2570/S 1217 Climate Risk Disclosure Act of 2021 -- directs SEC to require issuers to disclose information regarding climate change-related risks. HR 2001 Diversity Data Accountability Act - requires regulated entities to report to the Offices of Women and Minority Inclusion within specified financial agencies. HR 1087 Shareholder Political Transparency Act -- requires disclosure of information related to expenditures for political activities HR 3099 Primary Regulators of Insurance Vote Act -- To include the State insurance commissioner as a voting member of the FSOC. HR 3962/S 1625 SECURE Notarization Act -- To authorize notaries public to perform, and to establish minimum standards for, electronic notarizations and remote notarizations S 1805SHELTER Act -- allows a tax credit to individuals and businesses for disaster mitigation expenditures. S 1896Algorithmic Justice and Online Platform Transparency Act -- To prohibit the discriminatory use of personal information by online platforms in any algorithmic process HR 3571/S 1876 Climate Change Financial Risk Act of 2021 -- To require the Fed to develop and conduct financial risk analyses relating to climate change, and for other purposes. HR 3664 SMART Act -- to provide for an exception from patent infringement for certain component parts of motor vehicles. HR 3676 To amend title 23, United States Code, to establish national standards relating to sanctions for individuals who drive a motor vehicle, with a child passenger in the vehicle, while intoxicated or impaired, and for other purposes. HR 3711 SELF DRIVE Act -- to provide safety measures for over highly automated vehicles HR 1187 Corporate Governance Improvement and Investor Protection Act - to require annual disclosure of certain ESG metrics. HR 3675 Drug-Impaired Driving Education Act -- To establish a grant program to educate the public on the dangers of drug-impaired driving, and for other purposes. HR 3757/S 1999 Multiple Substance Impaired Driving Prevention Act -- To authorize the use of certain Federal funds for multiple substance impaired driving countermeasures HR 3899 Financial Stability Oversight Council Improvement Act of 2021 -- To amend the Financial Stability Act of 2010 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, and for other purposes. DRAFT Consumer Information Notification Requirement Act -- to provide a national standard for financial institution data security and breach notification. S 919 Data Care Act of 2021 -- imposes various duties on online service providers with respect to their handling of individual-identifying data 4614 Resilient Federal Forests Act of 2021 - improve forest management activities on National Forest System lands HR 4675/S 2432 Catastrophe Loss Mitigation Incentive and Tax Parity Act of 2021 - excludes from gross income qualified catastrophe mitigation payment made under a state-based catastrophe loss mitigation program. HR 4866 Federal Insurance Office Elimination Act - to abolish FIO HR 5823, Pandemic Risk Insurance Act (PRIA) 2022 - establish a Pandemic Risk Reinsurance Program HR 5736, Booster Seat Safety Act - direct the Secretary of Transportation to revise regulations relating to child restraint systems HR 5807/S 3065, DATA Privacy Act - establishes information security requirements for businesses that collect, process, store, or disclose information HR 963, Forced Arbitration Injustice Repeal Act - prohibits a pre-dispute arbitration agreement from being valid or enforceable if it requires arbitration of an employment, consumer, antitrust, or civil rights dispute HR 5734, Catastrophic Risk Transfer (CART) Act - to establish a system for the taxation of catastrophic risk transfer companies to ensure sufficient capital to cover catastrophic insurance losses HR 5689, Resilient AMERICA Act - improve the provision of Federal resources to help build capacity and fund risk-reducing, cost-effective mitigation projects HR 4006 Fair Repair Act -- requires an original equipment manufacturer (OEM) to make diagnostic, maintenance, and repair equipment available to independent repair providers HR 6580/S 3572 Algorithmic Accountability Act of 2022 -- direct the Federal Trade Commission to require impact assessments of automated decision systems and augmented critical decision processes HR 6570 REPAIR Act -- ensure consumers have access to data relating to their motor vehicles, critical repair information, and tools, and to provide them choices for the maintenance, service, and repair of their motor vehicles HR 4521 America COMPETES Act -- bill addresses U.S. technology and communications, foreign relations and national security, domestic manufacturing, education, trade, and other matters HR 4777/S 2497 Nondebtor Release Prohibition Act -- addresses the release by bankruptcy courts of creditor or other third-party claims against non-debtors S 3844Economic Continuity and Stability Act -- establish a clear and uniform process, on a nationwide basis, for replacing the London interbank offered rate in existing contracts S 3715E-SIGN Modernization Act -- repeals certain requirements regarding the use of electronic records in commerce S 3755Arbitration Fairness for Consumers Act -- amend the Consumer Financial Protection Act of 2010 with respect to arbitration HR 6027 Online Privacy Act -- establishes certain online privacy rights for personal information (including contents of communications) and certain requirements for data processors, service providers, and third parties S 3875, Community Disaster Resilience Zones Act -- require the President to develop and maintain products that show the risk of natural hazards across the United States DRAFT, Jumpstart our Business Startups Act of 2022 -- help accelerate economic growth and spur new business formation S 4110, Primary Regulators of Insurance Vote Act of 2022 -- establishes a state insurance commissioner as a voting member of the Financial Stability Oversight Council S 4299, Rebuilding Small Businesses After Disasters Act -- to repeal the sunset for collateral requirements for Small Business Administration disaster loans S 4274, National Wildland Fire Risk Reduction Program Act -- improve the Federal effort to reduce wildland fire risks ISSUE, SEC 144A/Rule 15c2-11 No Action Letter ISSUE, ESG, DEI, Climate-Related Financial Risk HR 8152, American Data Privacy and Protection Act - to create a federal privacy standard DRAFT, Data Breach and Security Notification Act of 2021- to establish data breach and security standards. DRAFT, Rep. McHenry/Financial Services Privacy Draft - to amend GLBA HR 8063, RAMP Act - to improve MSP statute by eliminating the private right of action

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 H.R.2537 - To amend the Fair Debt Collection Practices Act to provide a timetable for the collection of medical debt by debt collectors, to amend the Fair Credit Reporting Act to prohibit consumer reporting agencies from issuing consumer reports containing information about debts related to medically necessary procedures, and for other purposes. H.R.1270 - PAID Act S.588 - Addressing Climate Financial Risk Act of 2021

Client expense: $610,783 · Firm income: Not reported

Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of, U.S. Trade Representative (USTR)

H.R. 1996 Protections for Financial Institutions H.R. 2068 Safe Harbor for Insurers S. 862 Safe Harbor for Insurers **Issues lobbied without specific bill number: Implementation of Risk-Rating 2.0, Climate risk to the insurance industry, COVID-19 personal and commercial insurance response and role, Federal crop insurance program, National Flood Insurance Program, Prospective pandemic protection H.R. 1270 Private Passenger Automobile Insurers H.R. 1512 Climate Crisis **Issues lobbied without specific bill number: Business of insurance, Credit-based insurance underwriting, Commercial vehicle liability insurance **Issues lobbied without specific bill number: Consent Towing H.R. 5823 Pandemic Risk Reinsurance Program S. 2491 National Cyber Resilience Assistance Fund S. 3128 National Flood Insurance Program Reauthorization **Issues lobbied without specific bill number: Financial services climate-related risk **Issues lobbied without specific bill number: Categories for reinsurers

Client expense: $1,370,000 · Firm income: Not reported

H.R. 481 - Flood Resiliency and Taxpayer Savings Act of 2021 H.R. 747 - FEMA Climate Change Preparedness Act H.R. 1270 - Prohibit Auto Insurance Discrimination (PAID) Act H.R.2632 -To eliminate any subsidies for flood insurance coverage under the National Flood Insurance Program for new construction, and for other purposes H.R.1797 -To amend the National Flood Insurance Act of 1968 to ensure community accountability for areas repetitively damaged by floods, and for other purposes. H.R.1640 -To amend the National Flood Insurance Act of 1968 to ensure community accountability for areas repetitively damaged by floods, and for other purposes. H.R.2068 - To create a safe harbor for insurers engaging in the business of insurance in connection with a cannabis-related legitimate business, and for other purposes. National Flood Insurance Program reform/reauthorization Policy related to mitigation and resiliency S.910 -Secure and Fair Enforcement (SAFE) Banking Act of 2021 H.R.1996 - SAFE Banking Act of 2021 H.R.481 - Flood Resiliency and Taxpayer Savings Act of 2021 H.R.1375/S. 1989 - Provide Accurate Information Directly Act (PAID) Act S.862 -CLAIM Act S.653 -COMP Act, Medicare Secondary payer National Defense Authorization Act (NDAA) related to TRICARE Policy related to the Business Continuity Protection Program (BCPP) H.R.8337, Continuing Appropriations Act, 2021 and Other Extensions Act PPP Extension Act of 2021 H.R.481 - Flood Resiliency and Taxpayer Savings Act of 2021

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

Issues relating to factors used in establishing auto insurance rates and eligibility, including H.R. 1270 and the Federal Insurance Office study on auto insurance premiums. Discussed the idea of a Federal Trade Commission study on the rising price and competitive landscape of automobile repair parts. H.R. 1996/S.910/H.R. 2068/S. 862, SAFE Act/CLAIM Act, cannabis legislation related to insurance and banking issues. Discussed generally the impact of climate risk on the business of insurance. Congressional efforts to better understand commercial use of artificial intelligence and its impact on consumers. Issues related to consideration of pandemic risk insurance. Issues relating to reauthorization of the National Flood Insurance Program and FEMAs Risk Rating 2.0 flood insurance plan. Issues relating to the Financial Stability Oversight Councils approach to systemic risk. Issues relating to the Federal Reserve Boards rulemaking on capital standards for Insurance Savings and Loan Companies and U.S. federal government participation in the International Association of Insurance Supervisors development of international group capital standards and holistic framework for insurance supervision. Issues relating to the Federal Insurance Offices Request for Information on the Insurance Sector and Climate-Related Financial Risks.

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

H.R. 1996 Protections for Financial Institutions H.R. 2068 Safe Harbor for Insurers S. 862 Safe Harbor for Insurers **Issues lobbied without specific bill number: Implementation of Risk-Rating 2.0, Climate risk to the insurance industry, COVID-19 personal and commercial insurance response and role, Federal crop insurance program, National Flood Insurance Program, Prospective pandemic protection H.R. 1270 Private Passenger Automobile Insurers H.R. 1512 Climate Crisis **Issues lobbied without specific bill number: Business of insurance, Credit-based insurance underwriting, Commercial vehicle liability insurance **Issues lobbied without specific bill number: Consent Towing H.R. 5823 Pandemic Risk Reinsurance Program S. 2491 National Cyber Resilience Assistance Fund S. 3128 National Flood Insurance Program Reauthorization **Issues lobbied without specific bill number: Financial services climate-related risk **Issues lobbied without specific bill number: Categories for reinsurers

Client expense: Not reported · Firm income: $42,000

H.R. 1270, Prohibit Auto Insurance Discrimination (PAID) Act Potential legislation to create a federal insurance program to manage the risk of pandemics Federal Insurance Office Request for Information on the Insurance Sector and Climate-Related Financial Risks (86 Fed. Reg. 48,814-48,819, August 31, 2021) Various issues relating to the reauthorization of the National Flood Insurance Program; retroactively altering business interruption insurance contracts related to COVID-19; creation of a prospective pandemic insurance program; pandemic risk insurance; special financial assistant for financially troubled multiemployer plans; development of an insurance capital standard by the International Association of Insurance Supervisors; availability and affordability of automotive insurance

Client expense: $18,660,000 · Firm income: Not reported

H.R. 1270, Prohibit Auto Insurance Discrimination (PAID) Act H.R. 4277, Overdraft Protection Act of 2021 H.R. 5911, Fair Hiring in Banking Act S. 2417, Credit Access and Inclusion Act of 2021 S. 2508, Veterans and Consumers Fair Credit Act S. 3056, Prohibiting IRS Financial Surveillance Act S. 3755, Arbitration Fairness for Consumers Act Draft legislation titled Ensuring Diversity in Community Banking Act Draft legislation titled Expanding Opportunity for MDIs Act Draft legislation to create a government-run credit bureau at the Consumer Financial Protection Bureau Nomination of Sarah Bloom Raskin, Vice Chair for Supervision, Federal Reserve Proposed rule regarding reinstatement of HUDs discriminatory effects standard (86 Fed. Reg. 33,590-33,597, June 25, 2021) Various issues relating to structure and independence of the Consumer Financial Protection Bureau; artificial intelligence and machine learning; FinCEN proposed rule on Beneficial Ownership Reporting Requirements; proposed Interagency Guidance on Third-Party Relationships: Risk Management; Department of Treasury proposal that would require financial institutions to report to the IRS on the deposits and withdrawals of all business and personal accounts, as well as transfers between accounts of the same owner; DOJ Bank Merger Competitive Analysis; OCC Request for Feedback on Principles for Climate-Related Financial Risk Management for Large Banks; FinCEN RFI on Review of Bank Secrecy Act Regulations and Guidance; Basel Committee on Banking Supervision Principles for the Effective Management and Supervision of Climate-Related Financial Risks; rulemaking to implement Section 1071 of the Dodd-Frank Wall Street Reform and Consumer Protection Act

Client expense: $18,660,000 · Firm income: Not reported

S.524 - A bill to abolish the Federal Insurance Office of the Department of the Treasury, and for other purposes (Ted Cruz, R-TX) , ALL PROVISIONS H.R.1270 - To prohibit private passenger automobile insurers from using certain income proxies to determine insurance rates and eligibility (Bonnie Watson Coleman, D-NJ-12) , ALL PROVISIONS H.R.1240 - To amend the Federal Crop Insurance Act to modify prevented planting coverage (Dusty Johnson, R-SD-At Large) , ALL PROVISIONS S.359 - A bill to amend the Federal Crop Insurance Act to modify prevented planting coverage (John Hoeven, R-ND) , ALL PROVISIONS S.862 - A bill to create a safe harbor for insurers engaging in the business of insurance in connection with a cannabis-related legitimate business, and for other purposes (Robert Menendez, D-NJ) , ALL PROVISIONS oHouse Version: H.R.2068 - To create a safe harbor for insurers engaging in the business of insurance in connection with a cannabis-related legitimate business, and for other purposes (Nydia Velazquez, D-NY-7) , ALL PROVISIONS S.1083 - A bill to provide for the restoration of legal rights for claimants under holocaust-era insurance policies (Marco Rubio, R-FL) , ALL PROVISIONS oHouse Version: H.R.2493 - To provide for the restoration of legal rights for claimants under holocaust-era insurance policies (Debbie Wasserman Schultz, D-FL-23) , ALL PROVISIONS H.R.2632 - To eliminate any subsidies for flood insurance coverage under the National Flood Insurance Program for new construction, and for other purposes (Scott Peters, D-CA-52) , ALL PROVISIONS H.R.2995 - To require a report regarding the potential impacts of any changes to the risk-rating methodology for the National Flood Insurance Program of the Federal Emergency Management Agency before implementation, and for other purposes (Kathleen Rice, D-NY-4) , ALL PROVISIONS S.1458 - A bill to amend the Federal Crop Insurance Act to encourage the planting of cover crops following prevented planting, and for other purposes (John Thune, R-SD) , ALL PROVISIONS H.R.3099 - To amend the Financial Stability Act of 2010 to include the State insurance commissioner as a voting member of the Financial Stability Oversight Council, and for other purposes (John Garamendi, D-CA-3) , ALL PROVISIONS H.R.3416 - To allow communities to develop alternative flood insurance rate maps, and for other purposes (Blaine Luetkemeyer, R-MO-3) , ALL PROVISIONS H.R.3415 - 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 (Blaine Luetkemeyer, R-MO-3) , ALL PROVISIONS H.R.3417 - To provide for greater transfer of risk under the National Flood Insurance Program to private capital and reinsurance markets, and for other purposes (Blaine Luetkemeyer, R-MO-3) , ALL PROVISIONS H.R.3414 - To repeal the mandatory flood insurance coverage requirement for commercial properties located in flood hazard areas, and for other purposes (Blaine Luetkemeyer, R-MO-3) , ALL PROVISIONS S.1960 - A bill to restrict the ability of the Administrator of the Federal Emergency Management Agency to adjust the rates for flood insurance coverage under the National Flood Insurance Program, and for other purposes (John Kennedy, R-LA) , ALL PROVISIONS S.2153 - A bill to amend the National Flood Insurance Act of 1968 to ensure community accountability for areas repeatedly damaged by floods, and for other purposes (Tim Scott, R-SC) , ALL PROVISIONS S.2143 - A bill to authorize the Administrator of the Federal Emergency Management Agency to terminate certain contracts on the basis of detrimental conduct to the National Flood Insurance Program, and for other purposes (John Kennedy, R-LA) , ALL PROVISIONS H.R.4088 - To provide for improvements to National Flood Insurance Program rate maps, and for other purposes (Vincente Gonzalez, D-TX-15) , ALL PROVISIONS H.R.4226 - To restrict the ability of the Administrator of the Federal Emergency Management Agency to adjust the rates for flood insurance coverage under the National Flood Insurance Program, and for other purposes (Carlos Gimenez, R-FL-26) , ALL PROVISIONS H.R.4422 - 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 S.2418 - A bill to amend the Biggert-Waters Flood Insurance Reform Act of 2012 to improve mapping under the National Flood Insurance Program, and for other purposes (Marco Rubio, R-FL) , ALL PROVISIONS oHouse Version: H.R.4605 - To amend the Biggert-Waters Flood Insurance Reform Act of 2012 to improve mapping under the National Flood Insurance Program, and for other purposes (Bill Posey, R-FL-8) , ALL PROVISIONS S.2724 - NFIP Extension Act of 2021 - To reauthorize the National Flood Insurance Program (John Kennedy, R-LA) , ALL PROVISIONS H.R.5256 - To provide for the disclosure and sharing of certain policy and claims information under the National Flood Insurance Program, and for other purposes (Elaine Luria, D-VA-2) , ALL PROVISIONS S.2788 - A bill to reauthorize the National Flood Insurance Program (Marco Rubio, R-FL) , ALL PROVISIONS S.2869 - A bill to temporarily limit the authority of the Administrator of the Federal Emergency Management Agency to prescribe chargeable premium rates for flood insurance under the National Flood Insurance Program (Marco Rubio, R-FL) , ALL PROVISIONS S.2831 - A bill to require the National Flood Insurance Program to accept mid-term cancellations of flood insurance coverage if the insured acquires alternative coverage (Mike Lee, R-UT) , ALL PROVISIONS S.2832 - A bill to prohibit the National Flood Insurance Program from providing flood insurance subsidies for single-family residences that are valued at more than $1,000,000, and for other purposes (Mike Lee, R-UT) , ALL PROVISIONS S.2833 - A bill to amend the National Flood Insurance Act of 1968 to address the premium rates for certain properties under the National Flood Insurance Program, and for other purposes (Mike Lee, R-UT) , ALL PROVISIONS S.2913 - A bill to ensure that Write Your Own companies can sell private flood insurance products that compete with National Flood Insurance Program products (Rick Scott, R-FL) , ALL PROVISIONS S.2915 - A bill to allow National Flood Insurance Program policyholders who leave the program to purchase a private insurance flood policy to return the National Flood Insurance Program without penalty, and for other purposes (Rick Scott, R-FL) , ALL PROVISIONS S.2916 - A bill to amend the National Flood Insurance Act of 1968 to require that certain information is made publicly available, and for other purposes (Rick Scott, R-FL) , ALL PROVISIONS H.R.5734 - To amend the Internal Revenue Code of 1986 to establish a system for the taxation of catastrophic risk transfer companies to ensure sufficient capital to cover catastrophic insurance losses, and for other purposes (James Himes, D-CT-4) , ALL PROVISIONS S.3128 - A bill to reauthorize the National Flood Insurance Program, and for other purposes (Robert Menendez, D-NJ) , ALL PROVISIONS H.R.5802 - To reauthorize the National Flood Insurance Program, and for other purposes (Frank Pallone, Jr., D-NJ-6) , ALL PROVISIONS H.R.5823 - To establish a Pandemic Risk Reinsurance Program, and for other purposes (Carolyn Maloney, D-NY-12) , ALL PROVISIONS H.R.5793 - To temporarily limit the authority of the Administrator of the Federal Emergency Management Agency to prescribe chargeable premium rates for flood insurance under the National Flood Insurance Program (Mario Diaz-Balart, R-FL-25) , ALL PROVISIONS H.R.6087 - To amend chapter 81 of title 5, United States Code, to cover, for purposes of workers' compensation under such chapter, services by physician assistants and nurse practitioners provided to injured Federal workers, and for other purposes (Joe Courtney, D-CT-2) , ALL PROVISIONS S.3829 - A bill to require the Administrator of the Federal Emergency Management Agency to make publicly available information regarding the calculation of premiums under the National Flood Insurance Program, and for other purposes (Bill Cassidy, R-LA) , ALL PROVISIONS H.R.7221 - To increase coverage under the National Flood Insurance Program for costs of compliance, and for other purposes (Tom Rice, R-SC-7) , ALL PROVISIONS H.R.7202 - To establish a means-tested assistance program for national flood insurance program policyholders, and for other purposes (Matt Cartwright, D-PA-8) , ALL PROVISIONS S.3934 - Homeowner Flood Insurance Transparency and Protection Act - To permit policyholders under the National Flood Insurance Program to elect to have previous premium rates remain in effect until the Administrator of the Federal Emergency Management Agency satisfies certain conditions, and for other purposes (Cindy Hyde-Smith, R-MS) , ALL PROVISIONS

ISSUEDiversity, Equity, and Inclusion Initiatives ISSUEPaid Medical and Family Leave ISSUENational Data Privacy Standard ISSUESystemic Risk/Capital Standards PL 111-203, Dodd-Frank Wall Street Reform and Consumer Protection Act - provide financial regulatory reform, to protect consumers and investors, to enhance federal understanding of insurance issues, and other purposes. ISSUEAutonomous Vehicles ISSUE Federal Pandemic Risk Programs ISSUE Insurance Underwriting DRAFT Data Security and Breach Notification Act of 2020 - to establish data breach and security standards. HR 762, SAFE TO DRIVE Act - requires the DOT to use up to 25% of the amounts available for national priority safety program grants to award grants to states enacts a distracted driving statute. HR 842/S 420, Protecting the Right to Organize (PRO) Act - amend the National Labor Relations Act, the Labor Management Relations Act, 1947, and the Labor-Management Reporting and Disclosure Act of 1959, and for other purposes. HR 528, Financial Stability Oversight Council (FSOC) Reform Act - place FSOC and the Office of Financial Research under the regular appropriations process and to provide for certain quarterly reporting and public notice and comment requirements for the Office of Financial Research. HR 1523/S 526, Modern Worker Empowerment Act - to amend the Fair Labor Standards Act of 1938 to harmonize the definition of employee with the common law. HR 5, Equality Act - prohibits discrimination based on sex, sexual orientation, and gender identity in areas including public accommodations and facilities, education, federal funding, employment, housing, credit, and the jury system. HR 1277/S 374, Improving Corporate Governance Through Diversity Act - prohibits an automobile insurer from considering specified factors when determining a consumer's insurance rates or eligibility. HR 1270, PAID Act - prohibits an automobile insurer from considering specified factors when determining a consumer's insurance rates or eligibility. HR 1255/S 377, Living Donor Protection Act - promote and protect from discrimination living organ do HR 1816, Information Transparency & Personal Data Control Act - require the Federal Trade Commission to promulgate regulations related to sensitive personal information, and for other purposes. HR 1512, CLEAN Future Act - build a clean future by addressing the climate crisis, protecting the health, and putting the Nation on the path to a net-zero greenhouse gas economy by 2050. S 524, Federal Insurance Abolishment Act - to eliminate the Federal Insurance Office. HR 1549/S 588, Addressing Climate Financial Risk Act - establish the Advisory Committee on Climate Risk on the Financial Stability Oversight Council. HR 1641/S 638, Promoting Infrastructure by Protecting Our Subcontractors and Taxpayers Act - to include a payment and performance security requirement for certain infrastructure financing. DRAFTDisaster Protection for Workers' Credit Act - suspend negative credit reporting in certain circumstances. HR 1187, ESG Disclosure Simplification Act of 2021 - requires an issuer of securities to annually disclose to shareholders certain environmental, social, and governance metrics. S 653, Coordination of Medicare Payments and Workers Compensation (COMP) Act - provide for the application of MSP rules to certain workers' compensation settlement agreements and qualified Medicare set-aside provisions. DRAFTDiverse Investment Advisers Act - require companies to consider diverse firms when seeking the services of investment advisers. HR 2068/S 862, CLAIM Act - safe harbor for insurers engaging in the business of insurance in connection with a cannabis-related legitimate business. HR 1996/S 910, SAFE Banking Act - create protections for financial institutions that provide financial services to cannabis-related legitimate businesses S 574, PROTECT Asbestos Victims Act - improve asbestos trust claim transparency. S 840, Litigation Funding Transparency Act - increase transparency and oversight of third-party litigation funding. HR 1780, Paris Climate Agreement Disclosure Act - amend the Securities Exchange Act of 1934 to require disclosures related to the Paris Climate Agreement. HR 358, FRESH Trucking Act - modifies service hour requirements for drivers transporting perishable agricultural, horticultural, or floricultural commodities. HR 1799, PPP Extension Act of 2021 - extend deadlines for the Paycheck Protection Program. HR 2467 PFAS Action Act of 2021 -- require EPA to designate per- and polyfluoroalkyl substances as hazardous substances HR 2570/S 1217 Climate Risk Disclosure Act of 2021 -- directs SEC to require issuers to disclose information regarding climate change-related risks. HR 2001 Diversity Data Accountability Act - requires regulated entities to report to the Offices of Women and Minority Inclusion within specified financial agencies. HR 1087 Shareholder Political Transparency Act -- requires disclosure of information related to expenditures for political activities HR 3099 Primary Regulators of Insurance Vote Act -- To include the State insurance commissioner as a voting member of the FSOC. HR 3962/S 1625 SECURE Notarization Act -- To authorize notaries public to perform, and to establish minimum standards for, electronic notarizations and remote notarizations S 1805SHELTER Act -- allows a tax credit to individuals and businesses for disaster mitigation expenditures. S 1896Algorithmic Justice and Online Platform Transparency Act -- To prohibit the discriminatory use of personal information by online platforms in any algorithmic process HR 3571/S 1876 Climate Change Financial Risk Act of 2021 -- To require the Fed to develop and conduct financial risk analyses relating to climate change, and for other purposes. HR 3664 SMART Act -- to provide for an exception from patent infringement for certain component parts of motor vehicles. HR 3676 To amend title 23, United States Code, to establish national standards relating to sanctions for individuals who drive a motor vehicle, with a child passenger in the vehicle, while intoxicated or impaired, and for other purposes. HR 3711 SELF DRIVE Act -- to provide safety measures for over highly automated vehicles HR 1187 Corporate Governance Improvement and Investor Protection Act - to require annual disclosure of certain ESG metrics. HR 3675 Drug-Impaired Driving Education Act -- To establish a grant program to educate the public on the dangers of drug-impaired driving, and for other purposes. HR 3757/S 1999 Multiple Substance Impaired Driving Prevention Act -- To authorize the use of certain Federal funds for multiple substance impaired driving countermeasures HR 3899 Financial Stability Oversight Council Improvement Act of 2021 -- To amend the Financial Stability Act of 2010 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, and for other purposes. DRAFT Consumer Information Notification Requirement Act -- to provide a national standard for financial institution data security and breach notification. S 919 Data Care Act of 2021 -- imposes various duties on online service providers with respect to their handling of individual-identifying data DRAFT Private Right of Action for MSP - to repeal MSP private cause of action 4614 Resilient Federal Forests Act of 2021 - improve forest management activities on National Forest System lands HR 4675/S 2432 Catastrophe Loss Mitigation Incentive and Tax Parity Act of 2021 - excludes from gross income qualified catastrophe mitigation payment made under a state-based catastrophe loss mitigation program. HR 4616 Adjustable Interest Rate (LIBOR) Act - deem certain references to LIBOR as referring to a replacement benchmark rate upon the occurrence of certain events affecting LIBOR HR 4866 Federal Insurance Office Elimination Act - to abolish FIO HR 4350/S 2792 National Defense Authorization Act for Fiscal Year 2022 - authorizes FY2022 appropriations for military activities and programs of the Department of Defense HR 5823, Pandemic Risk Insurance Act (PRIA) 2022 - establish a Pandemic Risk Reinsurance Program HR 5736, Booster Seat Safety Act - direct the Secretary of Transportation to revise regulations relating to child restraint systems HR 5807/S 3065, DATA Privacy Act - establishes information security requirements for businesses that collect, process, store, or disclose information DRAFT, Control Our Data Act - E&C Committee Staff Data Privacy Draft Legislation HR 963, Forced Arbitration Injustice Repeal Act - prohibits a pre-dispute arbitration agreement from being valid or enforceable if it requires arbitration of an employment, consumer, antitrust, or civil rights dispute HR 5734, Catastrophic Risk Transfer (CART) Act - to establish a system for the taxation of catastrophic risk transfer companies to ensure sufficient capital to cover catastrophic insurance losses HR 5689, Resilient AMERICA Act - improve the provision of Federal resources to help build capacity and fund risk-reducing, cost-effective mitigation projects HR 4006 Fair Repair Act -- requires an original equipment manufacturer (OEM) to make diagnostic, maintenance, and repair equipment available to independent repair providers HR 6580/S 3572 Algorithmic Accountability Act of 2022 -- direct the Federal Trade Commission to require impact assessments of automated decision systems and augmented critical decision processes HR 6570 REPAIR Act -- ensure consumers have access to data relating to their motor vehicles, critical repair information, and tools, and to provide them choices for the maintenance, service, and repair of their motor vehicles HR 4521 America COMPETES Act -- bill addresses U.S. technology and communications, foreign relations and national security, domestic manufacturing, education, trade, and other matters HR 3076 Postal Service Reform Act of 2022 -- addresses the finances and operations of the U.S. Postal Service (USPS) S 3600Strengthening American Cybersecurity Act -- addresses cybersecurity threats against critical infrastructure and the federal government HR 4777/S 2497 Nondebtor Release Prohibition Act -- addresses the release by bankruptcy courts of creditor or other third-party claims against non-debtors S 3844Economic Continuity and Stability Act -- establish a clear and uniform process, on a nationwide basis, for replacing the London interbank offered rate in existing contracts S 3715E-SIGN Modernization Act -- repeals certain requirements regarding the use of electronic records in commerce S 3755Arbitration Fairness for Consumers Act -- amend the Consumer Financial Protection Act of 2010 with respect to arbitration HR 2471 Consolidated Appropriations Act, 2022 - to fund the government for fiscal year 2022 and other purposes HR 6027 Online Privacy Act -- establishes certain online privacy rights for personal information (including contents of communications) and certain requirements for data processors, service providers, and third parties

Regulatory structure for insurance and financial services. Automobile insurance issues, including H.R.1270, the "PAID Act." Surety bonding requirements for infrastructure projects, including HR 1641, the "Promoting Infrastructure by Protecting Our Subcontractors and Taxpayers Act," and HR 3684, the "INVEST in America Act." Legislative proposals addressing pandemic risk insurance and business interruption insurance.

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

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 H.R.2537 - To amend the Fair Debt Collection Practices Act to provide a timetable for the collection of medical debt by debt collectors, to amend the Fair Credit Reporting Act to prohibit consumer reporting agencies from issuing consumer reports containing information about debts related to medically necessary procedures, and for other purposes. H.R.1270 - PAID Act S.588 - Addressing Climate Financial Risk Act of 2021

Client expense: $270,000 · Firm income: Not reported

Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of, U.S. Trade Representative (USTR)