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Securing and Enabling Commerce Using Remote and Electronic Notarization Act of 2022
Legislative Progress
Momentum (last 30 days)
0
score
0 actions · 0 new cosponsors · 0 votes
Speed vs cohort
95pct
406d open
vs 9,698 other HR bills in the 117th — cohort avg 63d
Securing and Enabling Commerce Using Remote and Electronic Notarization Act of 2022 or the SECURE Notarization Act of 2022 This bill allows a notary public commissioned under state law to remotely notarize electronic records and perform notarizations for remotely located individuals. The bill provides technical requirements for such notarizations, including the creation and retention of video and audio recordings and the use of communication technologies (i.e., video chat). Additionally, the bill requires U.S. courts and states to recognize notarizations—including remote notarizations of electronic records and notarizations of remotely-located individuals—that occur in or affect interstate commerce and are performed by a notary public commissioned under the laws of other states. The bill also allows a notary public to remotely notarize electronic records involving an individual located outside of the United States, subject to certain requirements.
These links require the bill number to appear in the filing's source-reported specific issue text. Client expenses and lobbying-firm income are separate disclosure fields.
Received in the Senate and Read twice and referred to the Committee on the Judiciary.
Pursuant to section 5 of H. Res. 1254, and the motion offered by Mr. Kildee, the following bills passed under suspension of the rules: H.R. 623, as amended; H.R. 3952, as amended; H.R. 3962, as amended; H.R. 4551; H.R. 5313, as amended; H.R. 6933; H.R. 7132, as amended; H.R. 7361; H.R. 7569; H.R. 7624, as amended; H.R. 7733, as amended; and H.R. 7981, as amended. (consideration: CR H7197-7211, H7219-7220, H7223-7237; text: 07/26/2022 CR H7116-7118)
Passed/agreed to in House: Pursuant to section 5 of H. Res. 1254, and the motion offered by Mr. Kildee, the following bills passed under suspension of the rules: H.R. 623, as amended; H.R. 3952, as amended; H.R. 3962, as amended; H.R. 4551; H.R. 5313, as amended; H.R. 6933; H.R. 7132, as amended; H.R. 7361; H.R. 7569; H.R. 7624, as amended; H.R. 7733, as amended; and H.R. 7981, as amended.(consideration: CR H7197-7211, H7219-7220, H7223-7237; text: 07/26/2022 CR H7116-7118)
Pursuant to the provisions of H. Res. 1254, proceedings on H.R. 3962 are considered vacated.
At the conclusion of debate, the Yeas and Nays were demanded and ordered. Pursuant to the provisions of clause 8, rule XX, the Chair announced that further proceedings on the motion would be postponed.
DEBATE - The House proceeded with forty minutes of debate on H.R. 3962.
Considered under suspension of the rules. (consideration: CR H7116-7120)
Bills with similar content found using semantic analysis.
Sources: Congress.gov
2023 · second_quarter · Retirement
Retirement Security Issues House and Senate Budget Reconciliation bill HR3962 Securing and Enabling Commerce Using Remote Online Notarization Act (117th Congress) HR4865 Registered Index Linked Annuity (RILA) Act (117th Congress) S.4353 Retirement Improvement and Savings Enhancement to Supplement Healthy Investments for the Nest Egg (RISE & SHINE) Act (117th Congress) S. 4808 Enhancing American Retirement Now (EARN) (117th Congress)
Client expense: $40,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2022 · third_quarter · Insurance
Work to keep insurance regulated by the states and not by the Consumer Financial Protection Bureau or set by international bodies. Oppose legislation to repeal the McCarran-Ferguson antitrust exemption for the business of insurance. Advocate for privacy measures in line with GLBA and HIPAA as applied to financial services. Support H.R. 8152 American Data Privacy & Protection Act. Support HFSC Ranking Member Patrick McHenry's Data Privacy Discussion Draft. Oppose legislation to provide retroactive pandemic business interruption insurance. Support legislation of e-signatures, e-disclosures, and e-notarizations, including S. 3715 E-Sign Modernization Act. Support H.R.3962 and S.1625, SECURE Notarization Act of 2021. Support H.R. 4350/S. 2792, NDAA for FY 2022 - includes both SAFE Banking and SECURE Notarization Act. Support increased CDFI and MDI funding in President's FY 2023 Budget Proposal and House Appropriations FSSC bill. Support "Build America Bonds" for infrastructure. Support S.1443 and H.R.2917, Retirement Parity for Student Loans Act of 2021. Support H.R.1996/H.R. 7900/S.910 Secure and Fair Enforcement Banking SAFE Act - This bill generally prohibits a federal regulator from penalizing a financial institution for providing services to a legitimate cannabis-related business. Support H.R.2954 Secure a Strong Retirement Act and S.1770 Retirement Savings and Security to promote the adoption of employer sponsored retirement savings plans and employee participation in such plans. Support S. 4353 RISE & SHINE Act (retirement). Support S4808 SFC Enhancing American Retirement Now (EARN) Act Discussion Draft. Support life insurance tax stabilization provision and 2022 Budget Reconciliation to Build Back Better. Support Expanding Financial Access for Underserved Communities Act.
Client expense: $160,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2022 · third_quarter · Financial Institutions/Investments/Securities
Work to keep insurance regulated by the states and not by the Consumer Financial Protection Bureau or set by international bodies. Oppose legislation to repeal the McCarran-Ferguson antitrust exemption for the business of insurance. Advocate for privacy measures in line with GLBA and HIPAA as applied to financial services. Support H.R. 8152 American Data Privacy & Protection Act. Support HFSC Ranking Member Patrick McHenry's Data Privacy Discussion Draft. Oppose legislation to provide retroactive pandemic business interruption insurance. Support legislation of e-signatures, e-disclosures, and e-notarizations, including S. 3715 E-Sign Modernization Act. Support H.R.3962 and S.1625 SECURE Notarization Act of 2021. Support H.R. 4350/H.R. 7900/S. 2792, NDAA for FY 2022 - includes both SAFE Banking and SECURE Notarization Act. Support increased CDFI and MDI funding in President's FY 2023 Budget Proposal and House Appropriations FSSC Bill. Support "Build America Bonds" for infrastructure. Support S.1443 and H.R.2917, Retirement Parity for Student Loans Act of 2021. Support H.R.1996/S.910 Secure and Fair Enforcement Banking SAFE Act - This bill generally prohibits a federal regulator from penalizing a financial institution for providing services to a legitimate cannabis-related business. Support H.R. 2954 Secure a Strong Retirement Act and S. 1770 Retirement Savings and Security to promote the adoption of employer sponsored retirement savings plans and employee participation in such plans. Support S. 4353 RISE & SHINE Act (retirement). Support S. 4808 SFC Enhancing American Retirement Now (EARN) Act Discussion Draft. Support Expanding Financial Access for Underserved Communities Act. Support life insurance tax stabilization provision and 2022 Budget Reconciliation to Build Back Better. Oppose H.R. 8874/S. 4674 Credit Card Competition Act of 2022.
2022 · fourth_quarter · Banking
While MCUL takes no position on the issue of cannabis legalization, it supports legislation in the 117th Congress that would provide a safe harbor for financial institutions to serve their members needs in states where cannabis use has become legal. MCUL supports the SAFE Banking Act of 2021, S. 910 and H.R. 1996 which would provide a safe harbor for credit unions and other financial institutions. MCUL stands opposed to efforts to change the existing interchange system by expanding requirements under the so-called Durbin Amendment established under the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010. We have been educating our delegation on the importance of the current credit card interchange system with regard to ensuring consumer data remains secure and private and are asking our delegation to oppose S. 4674/H.R. 8874, the Credit Card Competition Act of 2022 because of the harm it would do to credit unions, their members, along with other financial institutions and their customers. We continue to educate our congressional delegation on voluntary overdraft protection services offered by credit unions and the value our members place on these services. MCUL is opposed to legislation (H.R. 4277 and S. 2677) that would severely limit a financial institutions ability to offer these voluntary services to our members. MCUL supports and is calling for passage of H.R. 3962 and S.1625, the SECURE Notarization Act that would establish minimum standards for electronic and remote notarization. We are also educating our delegation on the importance of updating the 20 year old E-sign Act to better reflect how customers can signal their acceptance of electronic transactions. MCUL is opposed to S. 2508, the Veteran's and Consumer Fair Credit Act that would extend provisions of the Military Lending Act (MLA), which establishes a 36% all-in rate cap on most loans to service members, to all consumer loans. The all-in cap would make it very difficult for credit unions to maintain viable small-dollar programs and severely hinder a state credit union's ability to offer overdraft products.
2022 · fourth_quarter · Banking
Monitor issues impacting the land title industry; Remote On-line Notary Legislation S 1625; HR 3962. Monitor the Enablers Act, HR 5525.
Client expense: Not reported · Firm income: $20,000
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2022 · fourth_quarter · Banking
Mr. Pallone moved to suspend the rules and pass the bill, as amended.
Placed on the Union Calendar, Calendar No. 347.
Committee on the Judiciary discharged.
Committee on the Judiciary discharged.
Reported (Amended) by the Committee on Energy and Commerce. H. Rept. 117-443, Part I.
Congress.gov source codes: 5000, H12200
Ordered to be Reported (Amended) by the Yeas and Nays: 56 - 0.
Committee Consideration and Mark-up Session Held.
Forwarded by Subcommittee to Full Committee by the Yeas and Nays: 22 - 0 .
Subcommittee Consideration and Mark-up Session Held.
Referred to the Subcommittee on Consumer Protection and Commerce.
Referred to the Committee on Energy and Commerce, and in addition to the Committee on the Judiciary, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.
Introduced in House
Congress.gov source codes: 1000, Intro-H
| Markup by |
| July 20, 2022 |
| Judiciary Committee | House | Referred to | June 17, 2021 |
| Energy and Commerce Committee | House | Referred to | June 17, 2021 |
| June 17, 2021 |
| Republican |
| NY |
| Andy Barr | Republican | KY |
| Andy Kim | Democratic | NJ |
| Angie Craig | Democratic | MN |
| Ann M. Kuster | Democratic | NH |
| Ann Wagner | Republican | MO |
| Anna G. Eshoo | Democratic | CA |
| Anthony Gonzalez | Republican | OH |
| Bill Foster | Democratic | IL |
| Bill Huizenga | Republican | MI |
| Blaine Luetkemeyer | Republican | MO |
| Bob Good | Republican | VA |
| Bobby L. Rush | Democratic | IL |
| Brian Higgins | Democratic | NY |
| Brian K. Fitzpatrick | Republican | PA |
| Bryan Steil | Republican | WI |
| Byron Donalds | Republican | FL |
| Carolyn B. Maloney | Democratic | NY |
| Carolyn Bourdeaux | Democratic | GA |
| Charlie Crist | Democratic | FL |
| Chris Pappas | Democratic | NH |
| Chrissy Houlahan | Democratic | PA |
| Cynthia Axne | Democratic | IA |
| Daniel T. Kildee | Democratic | MI |
| Darren Soto | Democratic | FL |
| David J. Trone | Democratic | MD |
| David Kustoff | Republican | TN |
| David Scott | Democratic | GA |
| Dean Phillips | Democratic | MN |
| Debbie Lesko | Republican | AZ |
| Derek Kilmer | Democratic | WA |
| Dina Titus | Democratic | NV |
| Don Bacon | Republican | NE |
| Donald Norcross | Democratic | NJ |
| Dwight Evans | Democratic | PA |
| Earl Blumenauer | Democratic | OR |
| Ed Perlmutter | Democratic | CO |
| Elaine G. Luria | Democratic | VA |
| Elissa Slotkin | Democratic | MI |
| Eric A. "Rick" Crawford | Republican | AR |
| Eric Swalwell | Democratic | CA |
| Frank D. Lucas | Republican | OK |
| Fred Keller | Republican | PA |
| Guy Reschenthaler | Republican | PA |
| H. Morgan Griffith | Republican | VA |
| Ilhan Omar | Democratic | MN |
| J. French Hill | Republican | AR |
| J. Luis Correa | Democratic | CA |
| Jackie Speier | Democratic | CA |
| Jaime Herrera Beutler | Republican | WA |
| Jake Auchincloss | Democratic | MA |
| Jake Ellzey | Republican | TX |
| Jake LaTurner | Republican | KS |
| James P. McGovern | Democratic | MA |
| James R. Langevin | Democratic | RI |
| Janice D. Schakowsky | Democratic | IL |
| Jason Crow | Democratic | CO |
| Jason Smith | Republican | MO |
| Jennifer Wexton | Democratic | VA |
| Jerry McNerney | Democratic | CA |
| Jesús G. "Chuy" García | Democratic | IL |
| Jim Banks | Republican | IN |
| Jim Costa | Democratic | CA |
| Joe Courtney | Democratic | CT |
| Joe Neguse | Democratic | CO |
| John H. Rutherford | Republican | FL |
| John Joyce | Republican | PA |
| John P. Sarbanes | Democratic | MD |
| John W. Rose | Republican | TN |
| Josh Gottheimer | Democratic | NJ |
| Josh Harder | Democratic | CA |
| Joyce Beatty | Democratic | OH |
| Katie Porter | Democratic | CA |
| Kay Granger | Republican | TX |
| Kelly Armstrong | Republican | ND |
| Kim Schrier | Democratic | WA |
| Kweisi Mfume | Democratic | MD |
| Lance Gooden | Republican | TX |
| Lisa Blunt Rochester | Democratic | DE |
| Lloyd Smucker | Republican | PA |
| Lucille Roybal-Allard | Democratic | CA |
| Lucy McBath | Democratic | GA |
| Marilyn Strickland | Democratic | WA |
| Mark Pocan | Democratic | WI |
| Markwayne Mullin | Republican | OK |
| Mary Gay Scanlon | Democratic | PA |
| Matt Cartwright | Democratic | PA |
| Michael C. Burgess | Republican | TX |
| Michael F. Doyle | Democratic | PA |
| Michael F. Q. San Nicolas | Democratic | GU |
| Michael Guest | Republican | MS |
| Michael K. Simpson | Republican | ID |
| Michael T. McCaul | Republican | TX |
| Mike Quigley | Democratic | IL |
| Mikie Sherrill | Democratic | NJ |
| Nikema Williams | Democratic | GA |
| Nydia M. Velázquez | Democratic | NY |
| Pat Fallon | Republican | TX |
| Pete Stauber | Republican | MN |
| Raja Krishnamoorthi | Democratic | IL |
| Richard Hudson | Republican | NC |
| Rick Larsen | Democratic | WA |
| Ro Khanna | Democratic | CA |
| Robert J. Wittman | Republican | VA |
| Rodney Davis | Republican | IL |
| Roger Williams | Republican | TX |
| Ron Estes | Republican | KS |
| Ron Kind | Democratic | WI |
| Stephanie I. Bice | Republican | OK |
| Steve Cohen | Democratic | TN |
| Steve Womack | Republican | AR |
| Susan Wild | Democratic | PA |
| Suzan K. DelBene | Democratic | WA |
| Ted Budd | Republican | NC |
| Ted Lieu | Democratic | CA |
| Thomas P. Tiffany | Republican | WI |
| Tom O’Halleran | Democratic | AZ |
| Tracey Mann | Republican | KS |
| Veronica Escobar | Democratic | TX |
| Vicente Gonzalez | Democratic | TX |
| Vicky Hartzler | Republican | MO |
| W. Gregory Steube | Republican | FL |
| Warren Davidson | Republican | OH |
| William R. Timmons IV | Republican | SC |
| Young Kim | Republican | CA |
Client expense: $160,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE
Client expense: $30,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE
Protect the credit union tax exemption; Support legislation and regulation that helps credit unions grow membership, loans, and retained earnings in order to serve their 127 million members; Support regulatory relief for credit unions; Provide guidance or rulemakings rather than rule through enforcement; Support increase in funding for CDFI Fund, MDIs, and the CDRLF; Fair Market: This includes ensuring all lenders are following the same rules of the road and protecting consumers, including making fintechs, predatory payday lenders, and other non-regulated entities subject to proper oversight; Technology and Innovation: As new technologies emerge and disrupt finance, the NCUA needs to foster strong fintech partnerships to help credit unions and support credit unions ability to provide custodial services for digital assets and utilize blockchain technologies; Regulatory Relief: Remove the CFPBs examination and enforcement powers over credit unions, retain the NCUA Boards bipartisan three-member structure, and oppose efforts to place new restrictions on lending and credit reporting that will inhibit credit unions from helping their members; Data Protection: Encouraging federal standards for data privacy and data security that recognize existing regulatory requirements for credit unions, such as a federal standard of privacy rules that aligns with our principles outlined in our white paper; Support extending GLBA like data security measures to retailers; Support recognizing GLBA compliance in any privacy legislation; Oppose SBA direct lending authority; Support improvements to ease the process for forgiveness of PPP loans to small businesses; Oppose limits on fee income for credit unions including courtesy pay; Support CFPB study of overdraft programs to determine the value to consumers; Support limiting burdens of HMDA rule on credit unions; CFPB should remove unnecessary and unused data points related to HMDA reporting; Support permanently increasing reporting thresholds for open- and closed-end loans; Prevent competitive disadvantages for credit unions and market distortions related to the integration of digital assets into traditional financial products; CFPB should make greater use of Section 1022 of the Dodd-Frank Act to exempt credit unions from rules where appropriate; CFPB should engage in interagency coordination on Section 1033 consumer access to financial records rulemaking; Oppose CFPBs characterization of regulated and disclosed financial services fees as junk fees; CFPB should explore streamlining required fee disclosures; CFPB should clarify UDAAP authority; CFPB should respect GLBAs data security regulatory structure; CFPB should limit impact and burden from proposed rule related to Section 1071 Small Business Lending Data Collection (RIN: 3170-AA09); Improve examination coordination between CFPB and NCUA; Support permanent adoption of CFPBs expired temporary relief of E-SIGN regulation; Support CFPB exercise of larger participant authority to oversee fintech companies; Support fair distribution of Regulation E error resolution responsibilities; Support clear regulatory framework for digital assets to encourage responsible innovation and permit credit union participation; Support CDFI Fund transparency on certification changes; Support streamlining and modernization of CDFI Fund certification process; Support Congressional oversight of SBAs Affiliation and Small Business Lending Company proposed rules; Support tax deduction for mortgage insurance premiums; Support modification or removal of the credit union member business lending cap; FHFA should allow GSEs to purchase non-conforming loans from CDFIs; Support alternative credit scoring models; Oppose development of a CBDC; Support prevention of an NFIP lapse; Support improving veterans access to capital by exempting credit unions business loans to veterans from the credit union member business lending cap; Support expanding the definition of Community Financial Institutions (CFIs) in the Federal Home Loan Bank Act (FHLB Act) to include credit unions and Treasury-certified non-depository community development financial institutions; Oppose any interchange/swipe fee legislation including related to routing or any form of market manipulation; Support parity for credit unions related to stablecoin regulation; Treasury should address the demand for coins to help consumers who rely on cash transactions; Support addressing appraisal bias and modernize the appraisal process for consistency; Support for forced arbitration - studies show consumers benefit more often from arbitration than litigation; Support easing requirements for de novo credit unions; Support providing flexibility for credit unions to issue subordinated debt; Support H.R. 5189, the Member Business Loan Expansion Act; Support the Federal Home Loan Banks' Mission Implementation Act (H.R. 3323, S.1684); Support H.R. 4773, the Consumer Financial Protection Commission Act; Oppose legislation granting NCUA third-party vendor examination authority (H.R. 7022, S. 4698); Oppose Credit Card Competition Act (H.R. 8874, S. 4674); Support SAFE Banking Act (H.R. 1996, S. 910); Support Central Liquidity Facility Enhancement Act (H.R. 3958, S. 5183); Support Credit Union Board Modernization Act (H.R. 6889, S. 4325); Support Expanding Financial Access for Underserved Communities Act (H.R. 7003, S. 4879); Support CDFI Bond Guarantee Program Improvement Act (H.R. 7733, S. 3441); Support Title III, Subtitle C of H.R. 2543 - Promoting and Advancing Communities of Color Through Inclusive Lending; Support S. 3590, the Middle Class Mortgage Insurance Premium Act; Oppose inclusion of the Credit Card Competition Act (H.R. 8874, S. 4674) or NCUA third-party vendor examination authority (H.R. 7022, S. 4698) in the FY 2023 NDAA; Support H.R. 5912, the Close the ILC Loophole Act; Support S. 762, the Expanding Access to Lending Options Act; Oppose Senate NDAA amendments 6201 and 6174 on credit card interchange; Support S. 4165, the CDFI Crisis Fund Act; Oppose H.R. 4277, the Overdraft Protection Act; Oppose FDCPA changes that improperly burden creditors in H.R. 6814, the Small Business Fair Debt Collection Protection Act; Oppose inclusion of bank lease provision in FY 2023 NDAA; Oppose H.R. 8152, the American Data Privacy and Protection Act; Support H.R. 5911, the Fair Hiring in Banking Act; Support H.R. 4590, the Promoting New and Diverse Depository Institutions Act; Oppose H.R. 8485, the Expanding Access to Credit through Consumer-Permissioned Data Act; Support the Small LENDER Act (H.R. 6732, S. 4004); Support H.R. 7628, the Improve the SBA Act; Support the SECURE Notarization Act (H.R. 3962, S. 1625); Support the TAILOR Act (H.R. 766, S. 3745); Support the Transparency in Consumer Financial Protection Bureau (CFPB) Cost-Benefit Analysis Act (H.R. 7412, S.4522); Support H.R. 1471, the Access to Credit for Small Businesses Impacted by the COVID-19 Crisis Act; Oppose H.R. 963, the Forced Arbitration Injustice Repeal (FAIR) Act; Support S. 5189, the Close the Shadow Banking Loophole Act; Support for Advancing Technologies to Support Inclusion Act discussion draft; Support for Creation of Diverse and Mission-Driven Community Financial Institutions Act discussion draft; Comments to SBA on RIN 3245-AH87 expressing concern about interaction between Affiliation and Small Business Lending Company proposed rules; Request for extension of temporary NCUA relief on loan participation and eligible obligation regulations due to the COVID-19 pandemic; Request for clarification of CFPB authority and intention for auto loan data collection; Comments to Treasury Dept on Docket No. 2022-21524 requesting streamlined applications for federal community investment programs; Comments to CDFI Fund on Docket No. 2022-22767 requesting modification of proposed pre-approved Target Market assessment methodologies; Comments to EPA on Docket ID No. EPA-HQ-OA-2022-0859 opposing establishment of single national green bank and supporting credit union inclusion as indirect recipients of Greenhouse Gas Reduction Fund disbursements; Comments to NCUA on RIN: 3133-AF43 supporting the elimination of the maximum maturity requirement for subordinated debt; Comments to CDFI Fund on Docket No. 2022-24082 opposing changes to CDFI certification requirements; Comments to NCUA on Docket No. NCUA-2022-0132 opposing overly complex member expulsion process; Support delay of GSEs credit fee caps effective date; Comments to CFPB on Docket No. CFPB-2022-0059 supporting additional flexibility in the Qualified Mortgage rule; Comments to FTC on R111004 opposing data privacy rulemaking absent comprehensive federal legislation; Support elimination of in-person quorum requirement for credit union annual meetings; Comments to CISA on Docket ID: CISA-2022-0010 supporting simplification of cyber incident reporting requirements; Support inclusion of 501(c)(19) veterans organizations as qualified charit[ies] in NCUA regulations; Comments to Treasury Department on Document No. 2022-20279 supporting application of Bank Secrecy Act and anti-money laundering regulations to digital assets and supporting interagency coordination to ensure credit union inclusion in digital asset regulations; Comments to FHFA on Federal Home Loan Bank System review supporting capital requirements for System members and supporting alignment of tangible capital definitions among regulators; Comments to FHFA on Fintech in Housing Finance supporting interagency coordination and caution in integration of non-depository fintech lenders; Comments to NCUA on RIN 3064-ZA33 supporting flexibility in updated commercial real estate loan accommodations policy statement; Oppose increases to NCUAs 2023-2024 budget and support increased budget transparency; Oppose expansion of Regulation E liability;
Client expense: $910,000 · Firm income: Not reported
Government targets: Consumer Financial Protection Bureau (CFPB), Defense, Dept of (DOD), Environmental Protection Agency (EPA), Federal Communications Commission (FCC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Financial Crimes Enforcement Network (FinCEN), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, Veterans Affairs, Dept of (VA), White House Office
2022 · fourth_quarter · Financial Institutions/Investments/Securities
Protect the credit union tax exemption; Support legislation and regulation that helps credit unions grow membership, loans, and retained earnings in order to serve their 127 million members; Support regulatory relief for credit unions; Provide guidance or rulemakings rather than rule through enforcement; Support increase in funding for CDFI Fund, MDIs, and the CDRLF; Fair Market: This includes ensuring all lenders are following the same rules of the road and protecting consumers, including making fintechs, predatory payday lenders, and other non-regulated entities subject to proper oversight; Technology and Innovation: As new technologies emerge and disrupt finance, the NCUA needs to foster strong fintech partnerships to help credit unions and support credit unions ability to provide custodial services for digital assets and utilize blockchain technologies; Regulatory Relief: Remove the CFPBs examination and enforcement powers over credit unions, retain the NCUA Boards bipartisan three-member structure, and oppose efforts to place new restrictions on lending and credit reporting that will inhibit credit unions from helping their members; Data Protection: Encouraging federal standards for data privacy and data security that recognize existing regulatory requirements for credit unions, such as a federal standard of privacy rules that aligns with our principles outlined in our white paper; Support extending GLBA like data security measures to retailers; Support recognizing GLBA compliance in any privacy legislation; Oppose SBA direct lending authority; Support improvements to ease the process for forgiveness of PPP loans to small businesses; Oppose limits on fee income for credit unions including courtesy pay; Support CFPB study of overdraft programs to determine the value to consumers; Support limiting burdens of HMDA rule on credit unions; CFPB should remove unnecessary and unused data points related to HMDA reporting; Support permanently increasing reporting thresholds for open- and closed-end loans; Prevent competitive disadvantages for credit unions and market distortions related to the integration of digital assets into traditional financial products; CFPB should make greater use of Section 1022 of the Dodd-Frank Act to exempt credit unions from rules where appropriate; CFPB should engage in interagency coordination on Section 1033 consumer access to financial records rulemaking; Oppose CFPBs characterization of regulated and disclosed financial services fees as junk fees; CFPB should explore streamlining required fee disclosures; CFPB should clarify UDAAP authority; CFPB should respect GLBAs data security regulatory structure; CFPB should limit impact and burden from proposed rule related to Section 1071 Small Business Lending Data Collection (RIN: 3170-AA09); Improve examination coordination between CFPB and NCUA; Support permanent adoption of CFPBs expired temporary relief of E-SIGN regulation; Support CFPB exercise of larger participant authority to oversee fintech companies; Support fair distribution of Regulation E error resolution responsibilities; Support clear regulatory framework for digital assets to encourage responsible innovation and permit credit union participation; Support CDFI Fund transparency on certification changes; Support streamlining and modernization of CDFI Fund certification process; Support Congressional oversight of SBAs Affiliation and Small Business Lending Company proposed rules; Support tax deduction for mortgage insurance premiums; Support modification or removal of the credit union member business lending cap; FHFA should allow GSEs to purchase non-conforming loans from CDFIs; Support alternative credit scoring models; Oppose development of a CBDC; Support prevention of an NFIP lapse; Support improving veterans access to capital by exempting credit unions business loans to veterans from the credit union member business lending cap; Support expanding the definition of Community Financial Institutions (CFIs) in the Federal Home Loan Bank Act (FHLB Act) to include credit unions and Treasury-certified non-depository community development financial institutions; Oppose any interchange/swipe fee legislation including related to routing or any form of market manipulation; Support parity for credit unions related to stablecoin regulation; Treasury should address the demand for coins to help consumers who rely on cash transactions; Support addressing appraisal bias and modernize the appraisal process for consistency; Support for forced arbitration - studies show consumers benefit more often from arbitration than litigation; Support easing requirements for de novo credit unions; Support providing flexibility for credit unions to issue subordinated debt; Support H.R. 5189, the Member Business Loan Expansion Act; Support the Federal Home Loan Banks' Mission Implementation Act (H.R. 3323, S.1684); Support H.R. 4773, the Consumer Financial Protection Commission Act; Oppose legislation granting NCUA third-party vendor examination authority (H.R. 7022, S. 4698); Oppose Credit Card Competition Act (H.R. 8874, S. 4674); Support SAFE Banking Act (H.R. 1996, S. 910); Support Central Liquidity Facility Enhancement Act (H.R. 3958, S. 5183); Support Credit Union Board Modernization Act (H.R. 6889, S. 4325); Support Expanding Financial Access for Underserved Communities Act (H.R. 7003, S. 4879); Support CDFI Bond Guarantee Program Improvement Act (H.R. 7733, S. 3441); Support Title III, Subtitle C of H.R. 2543 - Promoting and Advancing Communities of Color Through Inclusive Lending; Support S. 3590, the Middle Class Mortgage Insurance Premium Act; Oppose inclusion of the Credit Card Competition Act (H.R. 8874, S. 4674) or NCUA third-party vendor examination authority (H.R. 7022, S. 4698) in the FY 2023 NDAA; Support H.R. 5912, the Close the ILC Loophole Act; Support S. 762, the Expanding Access to Lending Options Act; Oppose Senate NDAA amendments 6201 and 6174 on credit card interchange; Support S. 4165, the CDFI Crisis Fund Act; Oppose H.R. 4277, the Overdraft Protection Act; Oppose FDCPA changes that improperly burden creditors in H.R. 6814, the Small Business Fair Debt Collection Protection Act; Oppose inclusion of bank lease provision in FY 2023 NDAA; Oppose H.R. 8152, the American Data Privacy and Protection Act; Support H.R. 5911, the Fair Hiring in Banking Act; Support H.R. 4590, the Promoting New and Diverse Depository Institutions Act; Oppose H.R. 8485, the Expanding Access to Credit through Consumer-Permissioned Data Act; Support the Small LENDER Act (H.R. 6732, S. 4004); Support H.R. 7628, the Improve the SBA Act; Support the SECURE Notarization Act (H.R. 3962, S. 1625); Support the TAILOR Act (H.R. 766, S. 3745); Support the Transparency in Consumer Financial Protection Bureau (CFPB) Cost-Benefit Analysis Act (H.R. 7412, S.4522); Support H.R. 1471, the Access to Credit for Small Businesses Impacted by the COVID-19 Crisis Act; Oppose H.R. 963, the Forced Arbitration Injustice Repeal (FAIR) Act; Support S. 5189, the Close the Shadow Banking Loophole Act; Support for Advancing Technologies to Support Inclusion Act discussion draft; Support for Creation of Diverse and Mission-Driven Community Financial Institutions Act discussion draft; Comments to SBA on RIN 3245-AH87 expressing concern about interaction between Affiliation and Small Business Lending Company proposed rules; Request for extension of temporary NCUA relief on loan participation and eligible obligation regulations due to the COVID-19 pandemic; Request for clarification of CFPB authority and intention for auto loan data collection; Comments to Treasury Dept on Docket No. 2022-21524 requesting streamlined applications for federal community investment programs; Comments to CDFI Fund on Docket No. 2022-22767 requesting modification of proposed pre-approved Target Market assessment methodologies; Comments to EPA on Docket ID No. EPA-HQ-OA-2022-0859 opposing establishment of single national green bank and supporting credit union inclusion as indirect recipients of Greenhouse Gas Reduction Fund disbursements; Comments to NCUA on RIN: 3133-AF43 supporting the elimination of the maximum maturity requirement for subordinated debt; Comments to CDFI Fund on Docket No. 2022-24082 opposing changes to CDFI certification requirements; Comments to NCUA on Docket No. NCUA-2022-0132 opposing overly complex member expulsion process; Support delay of GSEs credit fee caps effective date; Comments to CFPB on Docket No. CFPB-2022-0059 supporting additional flexibility in the Qualified Mortgage rule; Comments to FTC on R111004 opposing data privacy rulemaking absent comprehensive federal legislation; Support elimination of in-person quorum requirement for credit union annual meetings; Comments to CISA on Docket ID: CISA-2022-0010 supporting simplification of cyber incident reporting requirements; Support inclusion of 501(c)(19) veterans organizations as qualified charit[ies] in NCUA regulations; Comments to Treasury Department on Document No. 2022-20279 supporting application of Bank Secrecy Act and anti-money laundering regulations to digital assets and supporting interagency coordination to ensure credit union inclusion in digital asset regulations; Comments to FHFA on Federal Home Loan Bank System review supporting capital requirements for System members and supporting alignment of tangible capital definitions among regulators; Comments to FHFA on Fintech in Housing Finance supporting interagency coordination and caution in integration of non-depository fintech lenders; Comments to NCUA on RIN 3064-ZA33 supporting flexibility in updated commercial real estate loan accommodations policy statement; Oppose increases to NCUAs 2023-2024 budget and support increased budget transparency; Oppose expansion of Regulation E liability;
Client expense: $910,000 · Firm income: Not reported
Government targets: Consumer Financial Protection Bureau (CFPB), Defense, Dept of (DOD), Environmental Protection Agency (EPA), Federal Communications Commission (FCC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Financial Crimes Enforcement Network (FinCEN), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, Veterans Affairs, Dept of (VA), White House Office
2022 · fourth_quarter · Energy/Nuclear
Energy Efficiency Incentives, Energy Star, Tax Incentives, Tenant Star, Energy Consumption Data, Building Rating Issues, Energy Savings and Competitiveness Act S.2137, H.R. 3962, Clean Future Act Framework, E-QUIP Act (H.R. 2346)
Client expense: Not reported · Firm income: $30,000
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2022 · fourth_quarter · Financial Institutions/Investments/Securities
S. 1625, the Securing and Enabling Commerce Using Remote and Electronic Notarization Act. H.R. 3962, the Securing and Enabling Commerce Using Remote and Electronic Notarization Act.
Client expense: Not reported · Firm income: $30,000
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2022 · fourth_quarter · Banking
H.R. 3962 SECURE Notarization Act S. 1625 SECURE Notarization Act H.R.8152 The American Data Privacy and Protection Act (ADPPA) H.R.7661 Trigger Leads Abatement Act of 2022 H.R.6054 Small Business Lending Disclosure Act of 2021 S. 3235 Small Business Lending Disclosure Act of 2021 S.3884 Economic Continuity and Stability Act S.4004 Small Business Loan Collection Data H.R.1996 SAFE Banking Act
Client expense: $570,000 · Firm income: Not reported
Government targets: Consumer Financial Protection Bureau (CFPB), Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE, Treasury, Dept of
2022 · fourth_quarter · Consumer Issues/Safety/Products
Privacy and Data Security HR1816 - To require the Federal Trade Commission to promulgate regulations related to sensitive personal information, and for other purposes. HR8152 - American Data Privacy and Protection Act Communications with the Senate Commerce Committee about data privacy and security policy. Remote Online Notarization S1625 - Securing and Enabling Commerce Using Remote and Electronic (SECURE) Notarization Act HR4350 - National Defense Authorization Act HR3962 - Securing and Enabling Commerce Using Remote and Electronic (SECURE) Notarization Act Communications with the House Committee on Rules regarding support for Amendment #543 Broadband Access HR2471 - Consolidated Appropriations Act of 2022 HR2617 - Consolidated Appropriations Act, 2023 S2017 - The Broadband Reform and Investment (BRIDGE) Act Discussions with the U.S. House or Representatives and the U.S. Senate in support of funding for increased broadband access. Consumer Financial Protection Bureau HR4773 - The Consumer Financial Protection Commission Act Anti-Money Laundering HR2617 - Consolidated Appropriations Act, 2023 HR5525 - ENABLERS Act Census Bureau Funding Communications with the House Appropriations Subcommittee on Commerce, Justice, Science and Related Agencies regarding FY2023 Census Bureau Funding. Conversations with the House of Representatives and the Senate regarding anti-money laundering regulations and policy proposals. Communications with the Financial Crimes Enforcement Network (FinCEN) within the Department of the Treasury regarding anti-money laundering and beneficial ownership regulations. Communications with the Consumer Financial Protection Bureau about consumer protections and education. Communications with the Federal Trade Commission (FTC) regarding data privacy and cybersecurity regulations and issues.
Client expense: $25,260,000 · Firm income: Not reported
Government targets: Consumer Financial Protection Bureau (CFPB), Federal Trade Commission (FTC), Financial Crimes Enforcement Network (FinCEN), HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of
Retirement policy, including relevant provisions in the original bills (H.R. 2954, the Securing a Strong Retirement Act of 2022, S. 4353, the RISE & SHINE Act, and S. 4808, the Enhancing American Retirement Now Act) and in H.R. 2617, the Consolidated Appropriations Act, 2023, and relevant provisions of S. 4973, the Retirement Savings Modernization Act; retirement savings enhancements, including relevant provisions in the original bills (H.R. 2954, the Securing a Strong Retirement Act of 2022, S. 4353, the RISE & SHINE Act, and S. 4808, the Enhancing American Retirement Now Act) and in H.R. 2617, the Consolidated Appropriations Act, 2023; e-delivery, including relevant provisions of H.R. 9570, the Improving Disclosure for Investors Act of 2022; emergency savings accounts; auto-portability; Environmental, Social, and Governance (ESG) legislation/regulation; ERISA plan investment options, including cryptocurrencies and relevant provisions of S. 4973, the Retirement Savings Modernization Act; remote notarization, including relevant provisions of H.R. 3962, the Securing and Enabling Commerce Using Remote and Electronic Notarization Act of 2022
Client expense: $530,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of
Equity market structure and trading regulation; systemic risk legislation; systemic risk regulation; e-delivery, including relevant provisions of H.R. 9570, the Improving Disclosure for Investors Act of 2022; digital assets; remote notarization, including relevant provisions of H.R. 3962, the Securing and Enabling Commerce Using Remote and Electronic Notarization Act of 2022; Environmental, Social, and Governance (ESG) legislation/regulation; fixed income market structure; remote inspections; regulatory relief related to COVID; H.R. 1996 and S. 910, the SAFE Banking Act, safe harbor provisions; money market fund regulation; data aggregation; licensing and supervision for remote work
Client expense: $530,000 · Firm income: Not reported
Government targets: Commodity Futures Trading Commission (CFTC), Consumer Financial Protection Bureau (CFPB), HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of
2022 · fourth_quarter · Financial Institutions/Investments/Securities
H.R. 1277 - Improving Corporate Governance Through Diversity; entire bill H.R. 1816 - Information Transparency and Personal Data Control Act; entire bill H.R. 2039 - To Prohibit the Securities and Exchange Commission from Requiring that Personally Identifiable Information be Collected under Consolidated Audit Trail Reporting Requirements, and for other Purposes; entire bill H.R. 2288 - to amend the Internal Revenue Code of 1986 to reinstate advance refunding bonds; entire bill H.R. 2620 - Investor Choice Act of 2021; entire bill H.R. 3962 - To authorize notaries public to perform, and to establish minimum standards for, electronic notarizations and remote notarizations that occur in or affect interstate commerce, to require any Federal court to recognize notarizations performed by a notarial officer of any State, to require any State to recognize notarizations performed by a notarial officer of any other State when the notarization was performed under or relates to a public Act, record, or judicial proceeding of the notarial officer's State or when the notarization occurs in or affects interstate commerce, and for other purposes; entire bill H.R. 4616 - Adjustable Interest Rate (LIBOR) Act of 2021; entire bill H.R. 8152 - the American Data Privacy and Protection Act; entire bill S. 374 - Improving Corporate Governance Through Diversity Act; entire bill S. 1171 - Investor Choice Act of 2021; entire bill S. 1209 - Protecting Investors Personally Identifiable Information Act; entire bill S. 1625 - Securing and Enabling Commerce Using Remote and Electronic Notarization Act (SECURE Notarization Act); entire bill S. 3779 - Adjustable Interest Rate (LIBOR) Act; entire bill S. 4241 - INvestor Democracy is EXpected (INDEX) Act; entire bill Not Yet Introduced: Rep. Patrick McHenry Financial Data Privacy discussion draft
Client expense: $260,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2022 · fourth_quarter · Retirement
Retirement Security Issues House and Senate Budget Reconciliation bill HR3962 Securing and Enabling Commerce Using Remote Online Notarization Act HR4865 Registered Index Linked Annuity (RILA) Act S.4343 Retirement Improvement and Savings Enhancement to Supplement Healthy Investments for the Nest Egg (RISE & SHINE) Act S. 4808 Enhancing American Retirement Now (EARN)
Client expense: $80,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2022 · fourth_quarter · Banking
Issues related to Federal Credit Union Charter Modernization Issues related to credit union operations Issues related to credit union field of membership Issues related to credit union service organization Issues related to NCUA's low income designation regulation Issues related to NCUA examination procedures Issues related to NCUA's regulation regarding liquidity Issues related to NCUA's rulemaking process Issues related to NCUA's regulatory review process Issues related to Federal Credit Union Bylaws Issues related to credit union loan maturity restrictions Issues related to credit union investment authority Issues related to Regulation of Federal Credit Union By-Laws Issues related to credit unions' incidental powers Issues related to credit union service to marijuana businesses Issues related to material loss reports of the NCUA Office of Inspector General Issues related to the regulation of corporate credit unions Issues related to fixed assets Issues related to credit union conversions Issues related to credit union call report modernization Issues related to NCUA's Corporate Credit Union Stabilization Plan Issues related to NCUA's budget and the overhead transfer rate Issues related to Credit Union Service Organizations (CUSO) Issues related to the authority of the CFPB to exempt credit unions from its rulemaking Issues related to the CFPB rule to remittances and international wire transfers Issues related to CFPB's Leadership structure and Installing a Board rather than a Director Issues related to codifying the CFPB's Credit Union Advisory Council Issues related to requiring SBREFA Panels for CFPB Rulemakings Issues related to overdraft protection and check ordering practices Issues related to mortgage servicing Issues related to mortgage loan originator compensation and qualifications Issues related to the CFPB's rule regarding qualified mortgage / ability to repay Issues related to the CFPB's regulation on Home Mortgage Disclosure Act (Regulation C) Issues related to the CFPB's regulation on Truth-In-Lending Act / Real Estate Settlement Procedures Act Integrated Disclosures Issues related to the payday, vehicle title, and similar lending Issues related to short term lending products and advance deposit products Issues related to the CFPB's consumer complaint database Issues related to the CFPB's consumer complaint database Issues related to the Department of Justice's investigation entitled, "Operation Choke Point" Issues related to indirect auto lending Issues related to credit union service to unbanked and underbanked consumers Issues related to the Financial Accounting Standards Board (FASB) Issues related to data and cyber security Issues related to mobile banking and mobile payments Issues related to identity theft and fraud reduction Issues related to secure payments Issues related to merchant data breaches Issues related to the payments system and innovation Issues related to the Fed's implementation of same-day ACH Issues related to the Bank Secrecy Act and Currency Transaction Reporting Requirements Issues related to the oversight of the Federal Housing Administration Issues related to the USDA Rural Development Loan Program Issues related to the Federal Home Loan Bank System Issues related to membership eligibility in the Federal Home Loan Bank System Issues related to financial literacy Issues related to Housing Finance Reform Issues related to student lending Issues related to the Economic Growth and Regulatory Paperwork Reduction Act Process Issues related to retirement security Issues related to flood insurance Issues related to consumer's access to records Issues related to Interchange Fees Issues related to the Equal Credit Opportunity Act Issues related to the Fair Housing Act Issues related to the merger of credit unions Issues related to the Real Estate Settlement Procedures Act Issues related to Community Reinvestment Act Issues related to Regulation Z Issues related to Military Lending Act Issues related to Financial Technology Issues related to Small Business Lending Data Collection requirements Issues related to Involuntary liquidation of Federal Credit Unions and Claims Procedures Issues related to Web-Bases Quantitative Testing of Point of Sale / ATM Overdraft Disclosure Forms Issues related to residential appraisals Issues related to FHA appraisal certification Issues related to FHA and USDA Loan Modifications Issues related to Faster Payments Issues related to the Fair Credit Reporting Act Issues related to cooperative funding sources in federal appropriations legislation Issues related to regulation of debt collection activity Issues related to capital reform for credit unions Issues related to diversity and inclusion in Financial Services Issues related to Section 124 of the Federal Credit Union Act Issues related to the Consumer Financial Protection Bureau's No-Action Letters and the BCFP Product Sandbox Issues related to enterprise validation and approval of credit score models Issues related to the availability of Funds and Collection of Checks (Regulation CC) Issues related to arbitration clauses Issues related to SBA 7(a) loan program Issues related to financial institutions operating on military installations Issues related to postal banking Issues related to Telephone Consumer Protection Act Issues related to financial technology (FINTECH) Issues related to robocalls and the draft Declatory Ruling (the ruling) and Third Further Notice of Proposted Rulemaking (FNPRM) CG Docket No 17-59, WC Docket No. 17 - 97 Issues related to payday and small dollar lending Issues related to leases of non-excess property on military bases Issues related to Opportunity Zones Issues related to minority homeownership Issues related to the ability of Federal Credit unions to establish their own fiscal year Issues related to a requirement that Federal credit unions file certain information regarding loan officers Issues related to enhancing flexibility of Federal Credit Unions to schedule board meetings Issues related to removing certain outdated responsibilites of Federal credit union board of directors Issues related to permitting Federal credit unions to expel disruptive members for just cause without a vote Issues related to permitting balloting for conversions from state to federal charter and from federal to state charter to be conducted electronically Issues related to PACE Loans Issues related to minority depository insitutions Issues related to AI and cloud computing Issues related to the Consumer Online Privacy Rights Act Issues related to COVID-19 crisis response legislation Issues related to the Paycheck Protection Program Issues related to Taxi Medallion loans Issues related to QRM Risk Retection Review Issues related to NCUA's proposed rule on combination transactions Issues related to the regulation of credit unions as employers Issues related to liability protections for businesses Issues related to remote notary Issues related to digital identity legislation Issues related Paid Leave Payroll Tax Credits Issues related to Economic Impact Payments Issues related to Fed Accounts Issues related to the Federal Reserve's Main Street Lending Program Issues related to troubled debt restructuring Issues related to Prompt Corective Action requirements Issues related to NCUA subordinated debt rulemaking Issues related to Uniform Residential Loan Application Issues related to digitalization of money Issues related to electronic signatures on wire transfer documents Issues related to cybercriminal activity during COVID-19 Issues related to lender forebearance Issues related to Paycheck Protection Program forgiveness process Issues related to Agriculture Lending Issues related to OCC payment charters Issues related to the Student Empowerment and Financial Literacy Act Issues related to OCC National Bank and Savings Association Digital Activities Issues related to the treatment of certain COVID-19 Loss Mitigation options under RESPA (Reg X) Issues related to premium assessments by the National Credit Union Share Insurance Issues related to the proposed exclusion of PPP Loans from financial institution asset calculations Issues related to Section 4013 of the CARES Act Issues related to Section 4016 of the CARES Act Issues related tot he oversight of prudential regulators Issues related to PAL 1 Program Issues related to credit union asset size thresholds for regulatory compliance Issues related to NCUA MERIT examination system Issues related to NCUA Derivatives rulemaking Issues related to mortgage servicer assistance Issues related to Section 4022 of the CARES Act Issues related to the ability of NCUA to offer forbearance from Prompt Corrective Action Requirements Issues related to Temporarily Excluding Certain Low-Risk Assets from the Credit Union Net Worth Ratio Issues related to London Inter-Bank Offered Rate (LIBOR) Issues related to the regulation of Federal Employment Laws Issues related to the Office of Comptroller Charter Issues related to the Crypto Charter Issues related to the Solar Winds Data Breach Issues related to PPP Loan Necessity Questionnaires Issues related to SBA Economic Injury Disaster Loan Advances Issues related to Seasoned QM Loan Definitions Issues related to FHFA Strategic Plan for 2021-2024 Issues related to GSE Housing Goals Issues related to Member Business Lending Issues related to interest rate caps Issues related to Federal Housing Finance Agency's (FHFA) recapitalization plans Issues related to rental and mortgage payment assistance Issues related to BSA / AML Regulation Issues related to CECL Accounting requirements Issues related to climate control issues and effect on financial institutions Issues related to UDAAP guidance and requirements Issues related to risk-based capital requirements Issues related to NCUA's Communications and Transparency Issues related to Enterprise liquidity framework (FHFA) Issues related to the discussion draft of the Expanding Financial Access for Underserved Communities Act Issues related to the NCUA's Capitalization of Interest in Connection with Loan Workouts and Modifications Rulemaking Issues related to the Federal Reserve's proposed Regulation II Issues related to Capitalizing interest on consumer loans Issues related to Cryptocurrency Issues related to proposed postal banking pilot program Issues related to proposed new tax reporting requirements for financial institutions Issues related to the implementation of consumer financial protection laws Issues related to the safety and soundness regulations of credit unions Issues related to investment authority Issues related to BSA / AML regulation and Cannabis Banking Issues related to rate cap legislation and the Military Lending Act Issues related to credit card interchange fees and routing Issues related to FY22 National Defense Authorization Act Issues related to NCUA Central Liquidity Facility Issues related to Climate and Natural disaster risk management at regulated entities Issues related to PSPA / QM Conflict Issues related to CAMELS proposal Issues related to credit union coverage under GNMA rules Issues related to Cryptocurrency and digital assets Issues related to the re-nomination of Todd Harper to the NCUA Board Issues related to examining frameworks to address future pandemic risk Issues related to the NDAA rate cap proposals Issues related to the collection of checks and other items by Federal Reserve Banks and Funds Transfers through Fedwire Issues related to the potential modifications to the Federal Reserve policy on payment system risk Issues related to Small Business Bankruptcy Issues related to mortgage-backed securities insurance Issues related to the state of the rural economy Issues related to financial barriers to minority and women-owned businesses' involvement in infrastructure projects Issues related to the President's working group on financial market's report on stablecoins Issues related to economic impact of growing burden of medical debt Issues related to the Credit Union Employee and Member Safety Act in the FY2022 Omnibus Appropriations Act Issues related to the Interagency Task Force on Property Appraisal and Valuation Equity (PAVE) appraisals Issues related to the National Defense Authorization Act FY2023 Issues related to the Administration of the CDFI Fund Issues related to Central Bank Digital Currency Issues related to National Flood Insurance Program Reauthorization Issues related to Reg. II, Dodd Frank, Durbin Amendment, Section 107531 Issues related to G20 Rome Leaders Declaration Issues related to the United States Innovation and Competition Act of 2021 Issues related to Prompt Corrective Action: Earnings Retention Waivers and Net Worth Restoration Plans Issues related to Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of Human Trafficking Issues related to the Truth in Savings Act (TISA) and Part 707 of the NCUA Rules and Regulations Issues related to 40 Year Term Loan Modifications Issues related to data security and interchange fees Issues related to credit union loan maturity limits Issues related to credit union business lending caps Issues related to the administration of the CDFI Fund Issues related to the National Defense Authorization Act and Interchange fee issues Issues related to CDFI recertification applications Issues related to Protecting military service members and veterans from Financial scams and fraud Issues related to new consumer financial products and the impacts to workers Issues related to making the CFPB Accountable to Small Business Act Issues related to cyber incident notification requirements for Federally insured credit unions Issues related to ensuring responsible development of digital assets Issues related to the CFPB ensuring data aggregation services market is Fair, transparent and competitive H.J. Res 35, providing for Congressional disapproval under Chapter 8 of title 5, United States Code, of the rule submitted by the Office of the Comptroller of the Currency relating to "National Banks and Federal Savings Associations as Lenders" S.J. Res 15, a joint resolution providing for congressional disapproval under Chapter 8 of title 5, United States Code, of the rule submitted by the Office of the Comptroller of the Currency relating to "National Banks and Federal Savings Associations as Lenders" H.R. 133, the Consolidated Appropriations Act (2020) H.R. 963, the Forced Arbitration Injustice Repeal (FAIR) Act H.R. 1319, American Rescue Plan Act of 2021 H.R. 1395, the Housing Financial Literacy Act of 2021 H.R. 1471, the Access to Credit for Small Businesses Impacted by the COVID-19 Crisis Act 0f 2021 H.R. 1996, Secure and Fair Enforcement (SAFE) Banking Act of 2021 H.R. 2040, the Financial Reporting Threshold Modernization Act H.R. 2311, To amend the Federal Credit Union Act to modernize certain processes regarding expulsion of credit union members for cause, and for other purposes H.R. 2471, the Consolidated Appropriations Act of 2022 H.R. 2547, the Comprehensive Debt Collection Improvement Act H.R. 3684, Infrastructure Investment and Jobs Act, Sec. 90005, Extension of enterprise guarantee fees H.R. 3958, Central Liquidity Facility Enhancement Act H.R. 3962, SECURE Notarization Act of 2021 H.R. 4277, Overdraft protection legislation H.R. 4495, the Down payment Toward Equity Act of 2021 H.R. 4773, the Consumer Financial Protection Commission Act H.R. 4905, Promoting New and Diverse Depository Institutions Act H.R. 5189, Member Business Loan Expansion Act H.R. 5206, Tax Gap Reform and IRS Enforcement Act H.R. 5305, Extending Government Funding and Delivering Emergency Assistance Act H.R. 5451, Protecting Financial Privacy Act of 2021 H.R. 5912, the Close the ILC Loophole Act H.R. 6889, Credit Union Board Modernization Act H.R. 7003, Expanding Financial Access to Underserved Communities Act H.R. 7022, the Strengthening Cyber-Security for the Financial Sector Act H.R. 7733, the CDFI Bond Guarantee Program Improvement Act of 2022 H.R. 7900, SAFE Banking, amendment #983 by Representative Beatty (OH), Amendment #543 offered by Representatives Dean (PA), Armstrong (ND), Perlmutter (CO),Reschenthalter (PA) and Escobar (TX) H.R. 8152, American Data Privacy and Protection Act H.R. 8294, the Transportation, Housing and Urban development, Agriculture, Rural development, Energy and Water Development, Financial Services and General Government, Interior, Environment, Military Construction, and Veterans affairs Appropriations Act of Fiscal Year 2023 H.R. 8485, the Expanding Access to Credit through Consumer-Permissioned Data Act S. 254, A bill to establish a Homeowner Assistance Fund at the Department of the Treasury S. 337, Stop Senior Scams Act S. 762, A bill to provide the National Credit Union Administration Board flexibility to increase Federal credit union loan maturities, and for other purposes S. 910, SAFE Banking Act of 2021 S. 1368, American Housing and Economic Mobility Act of 2021 S. 1625, Securing and Enabling Commerce Using Remote and Electronic Notarization Act S. 1767, the Credit Union Employee and Member Safety Act of 2021 S. 2857, Protection Financial Privacy Act of 2021 S. 3715, E-SIGN Modernization Act of 2022 S. 3813, Veterans Member Business Loan Act S. 4325, Credit Union Board Modernization S. 4356, The Responsible Financial Innovation Act S. 4676, Credit Card Competition Act of 2022 S. 4698, Improving Cybersecurity of Credit Unions Act S. 4879, Expanding Financial Access for Underserved Communities Act S. Amendment 6174, National Defense Authorization Act, Report on Credit and Debit Card
Client expense: $979,068 · Firm income: Not reported
Government targets: Consumer Financial Protection Bureau (CFPB), Executive Office of the President (EOP), Federal Communications Commission (FCC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), Office of the Comptroller of the Currency (OCC), SENATE, Small Business Administration (SBA), Treasury, Dept of, Veterans Affairs, Dept of (VA)
2022 · fourth_quarter · Computer Industry
Issues related to remote online notarization, including H.R.3962 & S.1625, the Securing and Enabling Commerce Using Remote and Electronic Notarization Act of 2022.
Client expense: $110,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2022 · fourth_quarter · Government Issues
Issues related to remote online notarization, including H.R.3962 & S.1625, the Securing and Enabling Commerce Using Remote and Electronic Notarization Act of 2022.
Client expense: $110,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2022 · fourth_quarter · Government Issues
H.R. 1280, George Floyd Justice in Policing Act. H.R. 3655, Vaccine Injury Compensation Modernization Act. H.R. 3962: Securing and Enabling Commerce Using Remote and Electronic Notarization Act of 2022. S. 1260, United States Innovation and Competition Act, with specific regard to provisions on supply chain liability for information sharing programs. H.R. 4777/ S. 2497, Nondebtor Release Prohibition Act. H.R. 27, Settlement Agreement Information Database Act of 2021. S. 3942, Disabled Jurors Nondiscrimination Act. H.R. 8736, GUARD VA Benefits Act. H.R. 8569 the Removal Adjustment Act of 2022. H.R. 2988 Whistleblower Protection Improvement Act. H.R. 2617, Consolidated Appropriations Act, 2023, with specific regard to vaccine court funding. Draft legislation on adjusting the caps on Title VII damages. Draft legislation related to regulatory reforms and significant guidance. Draft legislation related to police misconduct reforms. Draft legislation on structured settlements. Draft legislation on SLAPP claims. Draft legislation on peremptory challenges to jurors. General lobbying with regard to qualified immunity reforms. General lobbying with regard to diversity of professional background for the federal judiciary. General lobbying with regard to federal judicial nominations, and with specific regard to Judge DeAndrea Benjamin nominated for the US Court of Appeals for the Fourth Circuit; to Casey Pitts nominated for the US District Court for the Northern District of California, to Scott Colom nominated for the US District Court for the District of Mississippi. General lobbying on the Nomination of Jose Javier Rodriguez for an Assistant Secretary of Labor. General lobbying on the Nomination of Kalpana Kotagal for Member of the Equal Employment Opportunity Commission. General lobbying with regard to nonconsensual third-party releases and stays in bankruptcy proceedings. General lobbying with regard to diversity jurisdiction and snap removal. General lobbying with regard to federal officer removal. General lobbying with regard to liability in voluntary government sharing programs. General lobbying with regard to litigation financing. General lobbying with regard to Johnson & Johnson and the Texas Two-Step. General lobbying with regard to Respondeat Superior and Monell claims against states and localities.
Client expense: $1,170,000 · Firm income: Not reported
Government targets: Executive Office of the President (EOP), HOUSE OF REPRESENTATIVES, SENATE
2022 · fourth_quarter · Consumer Issues/Safety/Products
H.R. 8152 The American Data Privacy and Protection Act (ADPPA)--Issues related to data security and privacy H.R. 3962, S. 1625 "The Secure Act"; H.R. 4350 "National Defense Authorization Act"--Remote Online Notarization S. 3715 "Electronic Signatures in Global and National Commerce Act (E-SIGN)"
Client expense: $230,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE
Student Loans -American Rescue Plan (H.R. 1319) -Retirement Parity for Student Loans Act (H.R. 2917 & S. 1443) Remote Notarization -SECURE Notarization Act (H.R. 3962/S. 1625) Emergency Savings -Enhancing Emergency and Retirement Savings Act (S. 1870 / H.R. 7146) Inflation Reduction Act (HR 5376) -Corporate Alternative Minimum Tax
Client expense: $410,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of
Issues related to data privacy and data security; H.R.8152, American Data Privacy and Protection Act. Issues related to remote and electronic notarization; H.R.3962/S.1625, Securing and Enabling Commerce Using Remote and Electronic Notarization Act of 2021.
Client expense: Not reported · Firm income: $50,000
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2022 · fourth_quarter · Insurance
Legislation and rulemaking affecting annuities, variable life products and retirement savings including Biden Administration and Congressional proposals on tax reform. DOL - EBSA - Cybersecurity Guidance for Plan Sponsors, Fiduciaries, Record Keepers and Participants. DOL - EBSA - PTE 2020-02 - Improving Investment Advice for Workers & Retirees. DOL - EBSA - Financial Factors in Selecting Plan Investments - ZRIN 1210-AB95. DOL - EBSA - Improving Investment Advice for Workers and Retirees - ZRIN 1210-ZA29. DOL - EBSA - Pension Benefit Statements-Lifetime Income Illustrations - RIN 1210-AB20. DOL - EBSA - Fiduciary Duties Regarding Proxy Voting and Shareholder Rights - RIN 1210-AB91. DOL - OSEC - Rescission of Department of Labor Rule on Guidance (29 CFR Part 89 - RIN 1290-AA41). DOL - EBSA - Amendment to and Partial Revocation of Prohibited Transaction Exemption (PTE) 84-24 for Certain Transactions Involving Insurance Agents and Brokers, Pension Consultants, Insurance Companies, and Investment Company Principal Underwriters. DOL - EBSA - Definition of the Term Fiduciary - RIN 1210-AC02. DOL - EBSA - Prudence and Loyalty in Selecting Plan Investments and Exercising Shareholder Rights - RIN 1210-AC03/29 CFR 2550. DOL - EBSA - RFI on Possible Agency Actions to Protect Life Savings and Pensions from Threat of Climate-Related Financial Risk - RIN 1210-ZA30. DOL - EBSA - Compliance Assistance Release 2022-01 to 401(k) Plan Fiduciaries on Use of Cryptocurrencies - March 10, 2022. DOL - EBSA - Proposed Rule to Amend Procedures Governing the Filing and Processing of Prohibited Transaction Exemption (PTE) Applications - RIN 1210-ACO5. DOL - Wage and Hour Division - Employee or Independent Contractor Classification Under the Fair Labor Standards Act -- 87 FR 62218/RIN 1235-AA43. DOL - EBSA - Employee Benefits Security - Proposed Amendment to Prohibited Transaction Class Exemption 84-14 (the QPAM Exemption) - 29 CFR Part 2550/Z-RIN 1210 ZA07. DOL - EBSA - Voluntary Fiduciary Correction - 29 CFR Parts 2560 and 2570/RIN 1210-AB64. EOP - Executive Order on Climate-Related Financial Risk. EOP - Amending Executive Order 13959 - Addressing the Threat from Securities Investments That Finance Communist Chinese Military Companies (E.O. 13974 of Jan 13, 2021 - 86 FR 4875). EOP - Executive Order 13990 - Protecting Public Health and the Environment and Restoring Science to Tackle the Climate Crisis (Federal Register/Vol. 86, No. 14 - Monday, January 25, 2021). FINRA - Comment on Lessons From the COVID-19 Pandemic (Regulatory Notice 20-42). FINRA - Request for Comment on Effective Practices and rule Enhancements for Sales Practice Obligations for Complex Products and Options (Regulatory Notice 22-08). Proposals at the Department of Treasury for increasing Americans' access to guaranteed lifetime income solutions. Proposals at the Department of Labor for increasing Americans' access to guaranteed lifetime income solutions. DOL implementation of Division O of the Further Consolidated Appropriations Act 2020 (Public Law No: 116-94). Treasury/IRS implementation of Division O of the Further Consolidated Appropriations Act 2020 (Public Law No: 116-94). SEC - Implementation and Enforcement of Regulation BI and Form CRS. SEC implementation of Division O of the Further Consolidated Appropriations Act 2020 (Public Law No: 116-94). SEC - Reporting Threshold for Institutional Investment Managers - RIN 3235-AM65. SEC - Request for Information and Comments on Broker-Dealer and Investment Adviser Digital Engagement Practices, Related Tools and Methods, and Regulatory Considerations and Potential Approaches; Information and Comments on Investment Adviser Use of Technology to Develop and Provide Investment Advice - RIN 3235-AN00 (Release Nos. 34-92766; IA-5833; File No. S7-10-21). SEC - FINRA - Proposed Rule Change to Amend FINRA Rule 2231 (Customer Account Statements) - SR-FINRA-2021-024. SEC - FINRA - Proposed Rule Change to Extend the Effectiveness of Temporary FINRA Rule 3110.17 - SR-FINRA-2021-023. SEC - Staff Bulletin: Standards of Conduct for Broker-Dealers and Investment Advisers Account Recommendations for Retail Investors - March 29, 2022. SEC - Proposed Rule Enhancement and Standardization of Climate-Related Disclosures for Investors (17 CFR 210, 229, 232, 239, and 249, RIN 3235-AM87). The Lifetime Income for Employees Act (H.R. 6746 - 117th Congress). The American Infrastructure Bonds Act (S.1308 - 117th Congress). The Financial Factors in Selecting Retirement Plan Investment Act (S.1762/H.R. 3387-117th Congress). The Improving Access to Retirement Savings Act of 2021 (S.1703 - 117th Congress). The INVEST in America Act (H.R. 3684 - 117th Congress). The Local Infrastructure Financing Tools (LIFT) Act (HR 2634 - 117th Congress). The Protecting the Right to Organize (PRO) Act (S. 420/H.R. 842-117th Congress). The Retirement Parity for Student Loans Act (S.1443/HR 2917 - 117th Congress). The Retirement Savings Lost and Found Act (S.1730 - 117th Congress). The Retirement Security and Savings Act of 2021 (S.1770 - 117th Congress). The Secure and Fair Enforcement (SAFE) Banking Act (S.910/H.R. 1996-117th Congress). The Securing a Strong Retirement Act (H.R.2954 - 117th Congress). The Securing and Enabling Commerce Using Remote and Electronic Notarization Act (S.1625/H.R. 3962 - 117th Congress). Womens Retirement Protection Act (S.2446/H.R. 4678 - 117th Congress). The Empowering States to Protect Seniors from Bad Actors Act (H.R. 5914 - 117th Congress). The Retirement Improvement and Savings Enhancement (RISE) Act (H.R. 5891 - 117th Congress). The Registration for Index-Linked Annuities (RILA) Act (S.3198/H.R. 4865 - 117th Congress). The Automatic Reenroll Act (S.3712/H.R. 6782 -117th Congress). The E-SIGN Modernization Act of 2022 (S.3715 - 117th Congress). The Lifetime Income for Employees Act (H.R. 6746 - 117th Congress). The Retirement Improvement and Savings Enhancement to Supplement Healthy Investments for the Nest Egg (RISE & SHINE) Act (S.4353 - 117th Congress). The Protecting Americas Retirement Security Act (H.R.7310 - 117th Congress). The Primary Regulators of Insurance Vote Act (S.4110/H.R.3099 - 117th Congress). The American Data Privacy and Protection Act (H.R.8152 - 117th Congress). The Employee and Retiree Access to Justice Act (S.4129/H.R.7740 - 117th Congress). The Enhancing American Retirement Now (EARN) Act (S.4808 - 117th Congress). The Consolidated Appropriations Act, 2023 - Division T and Division AA, Title I, Section 101 (H.R. 2617 - 117th Congress). The General Accounts Product Clarifications Act (H.R.9515 - 117th Congress). The Retirement Savings for Americans Act of 2022 (S.5271 - 117th Congress).
Client expense: $190,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of
2022 · fourth_quarter · Real Estate/Land Use/Conservation
S. 1625, the Securing and Enabling Commerce Using Remote and Electronic Notarization Act of 2021, to authorize and establish minimum standards for electronic and remote notarizations that occur in or affect interest commerce; entire bill. H.R. 3962, the Securing and Enabling Commerce Using Remote and Electronic Notarization Act of 2021, to authorize and establish minimum standards for electronic and remote notarizations that occur in or affect interest commerce; entire bill. S.2549, the Mapping Housing Discrimination Act, to authorize a grant program for educational institutions to analyze, digitize, and map historic records relating to housing discrimination; entire bill. General education regarding the Federal Housing Finance Agency publication of Equitable Housing Finance Plans. General education on real estate wire fraud and the role of housing counselors. H.R.9192, GOOD DEED Act to establish a grant program to combat deed fraud. General education on heirs' property
Client expense: $290,000 · Firm income: Not reported
Government targets: Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE
2022 · fourth_quarter · Insurance
Legislation and regulations impacting the land title insurance industry including COVID-19 relief efforts for small businesses, appraisal issues, and cannabis-related banking issues; H.R.748, CARES Act (P.L.116-136) implementation; H.R.1319, American Rescue Plan Act of 2021 (P.L.117-2) implementation; S.1625/H.R.3962, Secure Notarization Act; FY2023 National Defense Authorization Act (H.R.7900, S.4543); H.R.8152, American Data Privacy and Protection Act; FY2023 Consolidated Appropriations Act (H.R.2617).
Client expense: Not reported · Firm income: $30,000
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2022 · fourth_quarter · Health Issues
The Affordable Care Act (P.L. 111-148, P.L. 111-152): Continued advocacy with Congress in support of expanding coverage and improving Medicare benefits; Providing needed protections to guard against insurance practices that unfairly limit, deny or rescind coverage based on health status; public and private health insurers should encourage preventive health care by providing full coverage, with no cost-sharing, for preventive services recommended by an expert advisory group, such as the U.S. Preventive Services Task Force; Ensuring access to primary care physicians; and beginning to bend the cost curve; Prohibiting insurers from excluding or charging excessive rates to children based on pre-existing conditions, which later will be expanded to all persons; Covering young adults on their parents' plans; Eliminating lifetime and annual limits on health insurance coverage; Requiring that health insurers spend more on patient care and less on administration; Eliminating patient cost-sharing for preventive services offered by Medicare or private insurers; Increasing Medicare and Medicaid payments to primary care physicians; Supporting the Patient-Centered Outcomes Research Institute to help physicians and patients make care decisions based on the best available evidence; Supporting the Center on Medicare and Medicaid Innovation to fund pilots of delivery models to improve outcomes and reduce costs, including patient-centered medical homes; Advocated against a December 2018 ruling by a federal judge in Texas that the entire Affordable Care Act (ACA) is unconstitutional. Access to Primary Care (H.R. 3962/H.R. 3590/H.R. 4872): Provide sliding scale subsidies based on income to buy coverage from qualified plans; Qualified plans should: provide evidence-based benefits, including preventive services; and be prohibited from excluding persons with pre-existing conditions, charging them more, cherry-picking enrollees, or cancelling or failing to renew coverage; Expand Medicaid to cover all persons below the Federal Poverty Level and ensure fair payments to participating physicians; As coverage becomes affordable, all persons should participate and coverage should be guaranteed; Responsibility for financing should be shared by individuals, employers and government. Medicare Payments to Physicians: Urged that Congress provide incentives to physicians who transform their practices into Advanced Alternative Payment Models and continue to provide stability for physicians in the MIPS program. Specifically, Congress should extend the five percent Qualified Alternative Payment Model participant bonus beyond the 2022 performance year, replace the zero percent baseline payment updates under Medicare with positive updates. Urged congressional committees with jurisdiction over Medicare to exercise their oversight authority and urge CMS to expedite approval of more Advanced APMS, particularly those that work for small and specialty practices and to simplify the scoring structure and reporting requirements under the Merit-Based Incentive Payment System (MIPS) in order to fulfill Congress intent of a more streamlined program that reduces burdens on physicians; Supported S.2648, the Rural ACO Improvement Act, amends title XVIII of the Social Security Act to improve the benchmarking process for the Medicare Shared Savings Program (MSSP) to ensure that all ACOs have an equal opportunity to share in savings regardless of their geographic location; Provided recommendations to CMS on the Merit-based Incentive Payment System Value Pathway (MVP), which aims to reduce reporting burden and complexity within MIPS while improving the accuracy and effectiveness of performance measurement. The College noted specifically that a robust, multi-year transition period will be critical to the success of the MVP, that it does not support making the MVP mandatory, that CMS should continue to support numerous reporting mechanisms, including qualified registries and clinical data registries, which have been instrumental in developing specialty-specific performance measures, among other things. Regarding CMS Medicare Physician Fee Schedule and Quality Payment Program (QPP) rules, expressed support for extending some of the services and increased flexibility for telehealth through the end of 2024, namely some audio-only services that were allowed during the COVID-19 public health emergency (PHE), support for collecting additional data on health equity issues to analyze disparities that occur across their programs, support for including chronic care management as one of the seven MIPS Value Pathways (MVPs) for 2023. Urged CMS to discontinue its split/shared visits policy and not move forward with the transition set to take effect in 2023. Urged Congress to support inclusion in must-pass legislation this year provisions to provide financial stability through a baseline positive annual update to the physician fee schedule reflecting inflation in practice costs, and eliminate, revise budget neutrality requirements to allow for appropriate changes in spending growth and prevent a 4.42 percent Medicare payment cut as contained in H.R. 8800, the Supporting Medicare Providers Act of 2022; Extend the moratoriums on sequester and PAYGO cuts that were approved by Congress at the end of last year. Recommended modifications to Medicare law to establish a mechanism for savings to be calculated across all aspects of the program-that is, increased investment in relative and absolute payments for primary care and preventive health care services (Part B) results in savings due to reduced emergency department visits and hospitalizations (Part A)-and to allow these savings to be reinvested back into primary and preventive care, as well as into social and public health services. With regard to Medicares Quality Payment Program, advocated with Congress to provide flexibility to CMS to set performance thresholds, improve the cost performance category, provide scoring flexibility to CMS to allow for multi-category credit, provide CMS flexibility to score and benchmark measures as appropriate and to test and incentivize new measures and MVPs to ensure successful implementation, update the Promoting Interoperability performance category, Extend the $500 million exceptional performance bonus for an additional six years , align comparisons in the MIPS Quality performance category and Physician Compare. FY2023 Appropriations: Urged Congress to support funding for the Centers for Disease Control and Preventions programs in the FY 2023 Labor, Health and Human Services, Education and Related Agencies Appropriations bill as well as funding shared evenly between the U.S. Centers for Disease Control and Prevention (CDC) and the National Institutes of Health (NIH) to conduct public health research into firearm morbidity and mortality prevention. Advocated for funding for the Health Resources Services Administration (HRSA); Title VII, Section 747, Primary Care Training and Enhancement (PCTE), Health Resources and Services Administration (HRSA); National Health Service Corps (NHSC); Agency for Healthcare Research and Quality (AHRQ); the Centers for Disease Control and Preventions (CDC) Office on Smoking and Health (OSH). COVID-19: Urged congressional appropriators to provide the highest possible funding level for research, prevention, control, and treatment of illnesses associated with the virus that is commensurate with the public health emergency that the virus represents. Expressed support to Congress and the administration for a variety of COVID-related bills from the 116th Congress as follows: the Families First Coronavirus Response Act, H.R. 6201, and other stimulus reforms related to COVID-19 including: Emergency paid leave benefits, paid sick days for public health emergencies, coverage of testing for COVID-19, waiving of cost sharing under Medicare, Medicare Advantage, Medicaid, and CHIP, increasing the federal FMAP under Medicaid, providing reimbursement for CPT codes 99441 - 99443, which are telephone evaluation and management services, expediting entrance of international medical graduates who are citizens of other nations (non-US IMGs) into the country and ensuring that lawfully present non-U.S. IMGs are not negatively impacted by the COVID-19 pandemic, funding for physician practices under the Public Health and Social Service Emergency Fund (PHSSEF), providing tax relief, grants, and loans to small and medium size practices impacted by COVID-19, increasing funding for personal protective equipment (PPE), ensuring Medicaid pay parity with Medicare for primary care services; Urged support for H.R. 7059, the Coronavirus Provider Protection Act, which extend liability protections to those who provide care in good faith during the COVID-19 public health emergency (plus a reasonable time, such as 60 days, after the emergency declaration ends), and not in situations of gross negligence or willful misconduct. The College also urged that pay parity between telephone claims and in-person visits and between all telehealth and in-person visits be maintained after the PHE is lifted. Urged congress to mitigate the impact of covid across racial and ethnic minority populations by collect covid-19 and racial disparity data, equitably distribute covid-19 vaccines and treatments, protect essential workers, permanently expand access to family and medical leave, address environmental and social drivers of health, integrate primary care and behavioral health, improve mental health parity with increased federal oversight and enforcement, make naloxone more available to prevent overdose, expand medication-assisted treatment (mat) for physicians, establish a national prescription drug monitoring program (PDMP); urged support for administering COVID-19 vaccinations to all eligible immigrants in Customs and Border Protection (CBP) custody. Urged CMS to support increasing COVID-19 vaccine uptake by ensuring clinicians are appropriately paid for vaccine counseling for beneficiaries of Medicaid and Medicare. Urged that telehealth services should remain in place for at least two years after the end of the PHE to ensure that our physicians are able to continue to use this modality to enhance patient care. Urged Congress to support the concept of a congressionally-mandated bipartisan commission to examine the U.S. preparations for and response to the COVID-19 pandemic, in order to inform future public policy and health systems preparedness. Urged that any uses of technology in the U.S. in the context of the pandemic should be demonstrated to be effective, be temporary, and ensure that safeguards for privacy and confidentiality are in place. Womens Health: Urged HHS to support Title X funding and ensure unencumbered access to affordable, comprehensive, evidence-based reproductive health care; eliminate medically unnecessary restrictions and inappropriate political interference in the patient-physician relationship; and protect funding for and ensures consistent treatment of qualified service sites. Urged support for mandatory, permanent extension of postpartum Medicaid coverage, from 60 days to 12 months after delivery. Urged support for the Womens Health Protection Act of 2021 and 2022 (H.R. 3755/S. 1975), bills that would protect a persons ability to determine whether to continue or end a pregnancy and to protect the health care clinicians ability to provide abortion services free from medically unnecessary restrictions such as waiting periods, biased counselling and admitting privilege requirements for clinicians. Access to Care: Urged members of Congress to cosponsor and pass H.R. 340, the Incentivizing Medicaid Expansion Act of 2021, to expand federal matching assistance for states that choose to expand Medicaid, regardless of when such expansion takes place: Cosponsor and pass H.R. 369, the Health Care Affordability Act of 2021, to permanently expand eligibility for higher premium tax credits under the Affordable Care Act. Primary Care and the Physician Workforce: Urged members of Congress to cosponsor and pass H.R. 2256/S. 834, the Resident Physician Reduction Shortage Act of 2021, to increase the number of GME slots to 14,000 over seven years for specialties facing shortages, including internal medicine; Cosponsor and pass S. 1024, the Healthcare Workforce Resilience Act, to recapture 40,000 unused visas and use them to provide additional green cards to 15,000 physicians and 25,000 professional nurses; Cosponsor and pass H.R. 3541/S. 1810, the Conrad State 30 and Physician Access Reauthorization Act, to allow states to sponsor foreign-trained physicians to work in medically underserved areas in exchange for a waiver of the physicians' two-year foreign residence requirement; Cosponsor and pass H.R.4122/S.3658, the Resident Education Deferred Interest (REDI) Act, to make it possible for residents to defer interest on their loans; Support inclusion in FY2023 appropriations legislation funding for Title VII Primary Care and Training Enhancement (PCTE) at $71 million to support and expand the pipeline for individuals training in primary care. Public Health and Pandemic Preparedness: Urged members of Congress to support funding in FY2023 appropriations - $11 billion total for the CDC, $35 million for the CDCs Injury Prevention and Control, Firearm Injury and Mortality Prevention Research; $49 billion in total for the NIH, $25 million for the Office of the Director, Firearm Injury and Mortality Prevention Research; Cosponsor and pass the COVID Supplemental Appropriations Act, 2022, H.R. 7007, or a similar supplemental funding package, to provide $15.6 billion in additional funding for COVID relief; Cosponsor and pass the CONNECT for Health Act (H.R. 2903/S. 1512) and the Telehealth Extension Act of 2021 (H.R. 6202/S. 3593), to remove arbitrary restrictions on where a patient must be located to utilize telehealth services; enable patients to continue to receive telehealth services in their homes; ensure federally-qualified health centers and rural health centers can furnish telehealth services and improve data collection and analysis for at least two years. Prescription Drug Reform: Urged members of Congress to cosponsor and pass S. 898, the Fair Drug Pricing Act, to require drug companies to disclose and provide more information about imminent drug-price increases, including data about research and development costs; Cosponsor and pass S. 833, the Empowering Medicare Seniors to Negotiate Drug Prices Act of 2021, to help to reduce drug prices and out-of-pocket costs by allowing the federal government to negotiate lower drug prices on behalf of Medicare beneficiaries; Cosponsor and pass S. 464/H.R. 2163, the Safe Step Act, to ensure patient access to appropriate treatments based on clinical decision-making and medical necessity rather than arbitrary step therapy protocols. Telehealth Services: Urged Congress to support H.R. 2903/S. 1512, the CONNECT for Health Act, to remove arbitrary barriers to telehealth services such as geographic and site of service restrictions; S. 168/H.R. 708, the Temporary Reciprocity to Ensure Access to Treatment Act or the TREAT Act, to ensure that telehealth services can be provided across states lines after the public health emergency ends; H.R. 8487, the Improving Seniors Timely Access to Care Act that would help protect patients from unnecessary delays in care and reduce administrative burdens on physicians by standardizing and streamlining the prior authorization approval process in the Medicare Advantage (MA) program. Advocated with Congress for passage of H.R. 4040, the Advancing Telehealth Beyond COVID-19 Act of 2021, to extend coverage for critical telehealth services beyond the public health emergency. Mental and Behavioral Health: Urged members of Congress to cosponsor and pass H.R. 5218, the Collaborate in an Orderly and Cohesive Manner Act, to provide grants through the Department of Health and Human Services to primary care physicians who choose to deliver behavioral health care through the Collaborate Care Model (CoCM); Support enhanced reimbursement for CoCM payment codes under Medicare to more appropriately reflect the value of services provided to patients with mental health and substance use disorder needs. Scope of Practice: Urged Congress to oppose the Improving Care and Access to Nurses Act, or the I CAN Act, H.R. 8812, which allows non-physician clinicians to deliver care that is not commensurate with their training, skills, and demonstrated competencies in accord with national standards
Client expense: $69,651 · Firm income: Not reported
Government targets: Centers For Disease Control & Prevention (CDC), Centers For Medicare and Medicaid Services (CMS), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), President of the U.S., SENATE, State, Dept of (DOS), Veterans Affairs, Dept of (VA)
2022 · fourth_quarter · Health Issues
The Affordable Care Act (P.L. 111-148, P.L. 111-152): Continued advocacy with Congress in support of expanding coverage and improving Medicare benefits; Providing needed protections to guard against insurance practices that unfairly limit, deny or rescind coverage based on health status; public and private health insurers should encourage preventive health care by providing full coverage, with no cost-sharing, for preventive services recommended by an expert advisory group, such as the U.S. Preventive Services Task Force; Ensuring access to primary care physicians; and beginning to bend the cost curve; Prohibiting insurers from excluding or charging excessive rates to children based on pre-existing conditions, which later will be expanded to all persons; Covering young adults on their parents' plans; Eliminating lifetime and annual limits on health insurance coverage; Requiring that health insurers spend more on patient care and less on administration; Eliminating patient cost-sharing for preventive services offered by Medicare or private insurers; Increasing Medicare and Medicaid payments to primary care physicians; Supporting the Patient-Centered Outcomes Research Institute to help physicians and patients make care decisions based on the best available evidence; Supporting the Center on Medicare and Medicaid Innovation to fund pilots of delivery models to improve outcomes and reduce costs, including patient-centered medical homes; Advocated against a December 2018 ruling by a federal judge in Texas that the entire Affordable Care Act (ACA) is unconstitutional. Access to Primary Care (H.R. 3962/H.R. 3590/H.R. 4872): Provide sliding scale subsidies based on income to buy coverage from qualified plans; Qualified plans should: provide evidence-based benefits, including preventive services; and be prohibited from excluding persons with pre-existing conditions, charging them more, cherry-picking enrollees, or cancelling or failing to renew coverage; Expand Medicaid to cover all persons below the Federal Poverty Level and ensure fair payments to participating physicians; As coverage becomes affordable, all persons should participate and coverage should be guaranteed; Responsibility for financing should be shared by individuals, employers and government. Medicare Payments to Physicians: Urged that Congress provide incentives to physicians who transform their practices into Advanced Alternative Payment Models and continue to provide stability for physicians in the MIPS program. Specifically, Congress should extend the five percent Qualified Alternative Payment Model participant bonus beyond the 2022 performance year, replace the zero percent baseline payment updates under Medicare with positive updates. Urged congressional committees with jurisdiction over Medicare to exercise their oversight authority and urge CMS to expedite approval of more Advanced APMS, particularly those that work for small and specialty practices and to simplify the scoring structure and reporting requirements under the Merit-Based Incentive Payment System (MIPS) in order to fulfill Congress intent of a more streamlined program that reduces burdens on physicians; Supported S.2648, the Rural ACO Improvement Act, amends title XVIII of the Social Security Act to improve the benchmarking process for the Medicare Shared Savings Program (MSSP) to ensure that all ACOs have an equal opportunity to share in savings regardless of their geographic location; Provided recommendations to CMS on the Merit-based Incentive Payment System Value Pathway (MVP), which aims to reduce reporting burden and complexity within MIPS while improving the accuracy and effectiveness of performance measurement. The College noted specifically that a robust, multi-year transition period will be critical to the success of the MVP, that it does not support making the MVP mandatory, that CMS should continue to support numerous reporting mechanisms, including qualified registries and clinical data registries, which have been instrumental in developing specialty-specific performance measures, among other things. Regarding CMS Medicare Physician Fee Schedule and Quality Payment Program (QPP) rules, expressed support for extending some of the services and increased flexibility for telehealth through the end of 2024, namely some audio-only services that were allowed during the COVID-19 public health emergency (PHE), support for collecting additional data on health equity issues to analyze disparities that occur across their programs, support for including chronic care management as one of the seven MIPS Value Pathways (MVPs) for 2023. Urged CMS to discontinue its split/shared visits policy and not move forward with the transition set to take effect in 2023. Urged Congress to support inclusion in must-pass legislation this year provisions to provide financial stability through a baseline positive annual update to the physician fee schedule reflecting inflation in practice costs, and eliminate, revise budget neutrality requirements to allow for appropriate changes in spending growth and prevent a 4.42 percent Medicare payment cut as contained in H.R. 8800, the Supporting Medicare Providers Act of 2022; Extend the moratoriums on sequester and PAYGO cuts that were approved by Congress at the end of last year. Recommended modifications to Medicare law to establish a mechanism for savings to be calculated across all aspects of the program-that is, increased investment in relative and absolute payments for primary care and preventive health care services (Part B) results in savings due to reduced emergency department visits and hospitalizations (Part A)-and to allow these savings to be reinvested back into primary and preventive care, as well as into social and public health services. With regard to Medicares Quality Payment Program, advocated with Congress to provide flexibility to CMS to set performance thresholds, improve the cost performance category, provide scoring flexibility to CMS to allow for multi-category credit, provide CMS flexibility to score and benchmark measures as appropriate and to test and incentivize new measures and MVPs to ensure successful implementation, update the Promoting Interoperability performance category, Extend the $500 million exceptional performance bonus for an additional six years , align comparisons in the MIPS Quality performance category and Physician Compare. FY2023 Appropriations: Urged Congress to support funding for the Centers for Disease Control and Preventions programs in the FY 2023 Labor, Health and Human Services, Education and Related Agencies Appropriations bill as well as funding shared evenly between the U.S. Centers for Disease Control and Prevention (CDC) and the National Institutes of Health (NIH) to conduct public health research into firearm morbidity and mortality prevention. Advocated for funding for the Health Resources Services Administration (HRSA); Title VII, Section 747, Primary Care Training and Enhancement (PCTE), Health Resources and Services Administration (HRSA); National Health Service Corps (NHSC); Agency for Healthcare Research and Quality (AHRQ); the Centers for Disease Control and Preventions (CDC) Office on Smoking and Health (OSH). COVID-19: Urged congressional appropriators to provide the highest possible funding level for research, prevention, control, and treatment of illnesses associated with the virus that is commensurate with the public health emergency that the virus represents. Expressed support to Congress and the administration for a variety of COVID-related bills from the 116th Congress as follows: the Families First Coronavirus Response Act, H.R. 6201, and other stimulus reforms related to COVID-19 including: Emergency paid leave benefits, paid sick days for public health emergencies, coverage of testing for COVID-19, waiving of cost sharing under Medicare, Medicare Advantage, Medicaid, and CHIP, increasing the federal FMAP under Medicaid, providing reimbursement for CPT codes 99441 - 99443, which are telephone evaluation and management services, expediting entrance of international medical graduates who are citizens of other nations (non-US IMGs) into the country and ensuring that lawfully present non-U.S. IMGs are not negatively impacted by the COVID-19 pandemic, funding for physician practices under the Public Health and Social Service Emergency Fund (PHSSEF), providing tax relief, grants, and loans to small and medium size practices impacted by COVID-19, increasing funding for personal protective equipment (PPE), ensuring Medicaid pay parity with Medicare for primary care services; Urged support for H.R. 7059, the Coronavirus Provider Protection Act, which extend liability protections to those who provide care in good faith during the COVID-19 public health emergency (plus a reasonable time, such as 60 days, after the emergency declaration ends), and not in situations of gross negligence or willful misconduct. The College also urged that pay parity between telephone claims and in-person visits and between all telehealth and in-person visits be maintained after the PHE is lifted. Urged congress to mitigate the impact of covid across racial and ethnic minority populations by collect covid-19 and racial disparity data, equitably distribute covid-19 vaccines and treatments, protect essential workers, permanently expand access to family and medical leave, address environmental and social drivers of health, integrate primary care and behavioral health, improve mental health parity with increased federal oversight and enforcement, make naloxone more available to prevent overdose, expand medication-assisted treatment (mat) for physicians, establish a national prescription drug monitoring program (PDMP); urged support for administering COVID-19 vaccinations to all eligible immigrants in Customs and Border Protection (CBP) custody. Urged CMS to support increasing COVID-19 vaccine uptake by ensuring clinicians are appropriately paid for vaccine counseling for beneficiaries of Medicaid and Medicare. Urged that telehealth services should remain in place for at least two years after the end of the PHE to ensure that our physicians are able to continue to use this modality to enhance patient care. Urged Congress to support the concept of a congressionally-mandated bipartisan commission to examine the U.S. preparations for and response to the COVID-19 pandemic, in order to inform future public policy and health systems preparedness. Urged that any uses of technology in the U.S. in the context of the pandemic should be demonstrated to be effective, be temporary, and ensure that safeguards for privacy and confidentiality are in place. Womens Health: Urged HHS to support Title X funding and ensure unencumbered access to affordable, comprehensive, evidence-based reproductive health care; eliminate medically unnecessary restrictions and inappropriate political interference in the patient-physician relationship; and protect funding for and ensures consistent treatment of qualified service sites. Urged support for mandatory, permanent extension of postpartum Medicaid coverage, from 60 days to 12 months after delivery. Urged support for the Womens Health Protection Act of 2021 and 2022 (H.R. 3755/S. 1975), bills that would protect a persons ability to determine whether to continue or end a pregnancy and to protect the health care clinicians ability to provide abortion services free from medically unnecessary restrictions such as waiting periods, biased counselling and admitting privilege requirements for clinicians. Access to Care: Urged members of Congress to cosponsor and pass H.R. 340, the Incentivizing Medicaid Expansion Act of 2021, to expand federal matching assistance for states that choose to expand Medicaid, regardless of when such expansion takes place: Cosponsor and pass H.R. 369, the Health Care Affordability Act of 2021, to permanently expand eligibility for higher premium tax credits under the Affordable Care Act. Primary Care and the Physician Workforce: Urged members of Congress to cosponsor and pass H.R. 2256/S. 834, the Resident Physician Reduction Shortage Act of 2021, to increase the number of GME slots to 14,000 over seven years for specialties facing shortages, including internal medicine; Cosponsor and pass S. 1024, the Healthcare Workforce Resilience Act, to recapture 40,000 unused visas and use them to provide additional green cards to 15,000 physicians and 25,000 professional nurses; Cosponsor and pass H.R. 3541/S. 1810, the Conrad State 30 and Physician Access Reauthorization Act, to allow states to sponsor foreign-trained physicians to work in medically underserved areas in exchange for a waiver of the physicians' two-year foreign residence requirement; Cosponsor and pass H.R.4122/S.3658, the Resident Education Deferred Interest (REDI) Act, to make it possible for residents to defer interest on their loans; Support inclusion in FY2023 appropriations legislation funding for Title VII Primary Care and Training Enhancement (PCTE) at $71 million to support and expand the pipeline for individuals training in primary care. Public Health and Pandemic Preparedness: Urged members of Congress to support funding in FY2023 appropriations - $11 billion total for the CDC, $35 million for the CDCs Injury Prevention and Control, Firearm Injury and Mortality Prevention Research; $49 billion in total for the NIH, $25 million for the Office of the Director, Firearm Injury and Mortality Prevention Research; Cosponsor and pass the COVID Supplemental Appropriations Act, 2022, H.R. 7007, or a similar supplemental funding package, to provide $15.6 billion in additional funding for COVID relief; Cosponsor and pass the CONNECT for Health Act (H.R. 2903/S. 1512) and the Telehealth Extension Act of 2021 (H.R. 6202/S. 3593), to remove arbitrary restrictions on where a patient must be located to utilize telehealth services; enable patients to continue to receive telehealth services in their homes; ensure federally-qualified health centers and rural health centers can furnish telehealth services and improve data collection and analysis for at least two years. Prescription Drug Reform: Urged members of Congress to cosponsor and pass S. 898, the Fair Drug Pricing Act, to require drug companies to disclose and provide more information about imminent drug-price increases, including data about research and development costs; Cosponsor and pass S. 833, the Empowering Medicare Seniors to Negotiate Drug Prices Act of 2021, to help to reduce drug prices and out-of-pocket costs by allowing the federal government to negotiate lower drug prices on behalf of Medicare beneficiaries; Cosponsor and pass S. 464/H.R. 2163, the Safe Step Act, to ensure patient access to appropriate treatments based on clinical decision-making and medical necessity rather than arbitrary step therapy protocols. Telehealth Services: Urged Congress to support H.R. 2903/S. 1512, the CONNECT for Health Act, to remove arbitrary barriers to telehealth services such as geographic and site of service restrictions; S. 168/H.R. 708, the Temporary Reciprocity to Ensure Access to Treatment Act or the TREAT Act, to ensure that telehealth services can be provided across states lines after the public health emergency ends; H.R. 8487, the Improving Seniors Timely Access to Care Act that would help protect patients from unnecessary delays in care and reduce administrative burdens on physicians by standardizing and streamlining the prior authorization approval process in the Medicare Advantage (MA) program. Advocated with Congress for passage of H.R. 4040, the Advancing Telehealth Beyond COVID-19 Act of 2021, to extend coverage for critical telehealth services beyond the public health emergency. Mental and Behavioral Health: Urged members of Congress to cosponsor and pass H.R. 5218, the Collaborate in an Orderly and Cohesive Manner Act, to provide grants through the Department of Health and Human Services to primary care physicians who choose to deliver behavioral health care through the Collaborate Care Model (CoCM); Support enhanced reimbursement for CoCM payment codes under Medicare to more appropriately reflect the value of services provided to patients with mental health and substance use disorder needs. Scope of Practice: Urged Congress to oppose the Improving Care and Access to Nurses Act, or the I CAN Act, H.R. 8812, which allows non-physician clinicians to deliver care that is not commensurate with their training, skills, and demonstrated competencies in accord with national standards.
Client expense: $300,406 · Firm income: Not reported
Government targets: Centers For Disease Control & Prevention (CDC), Centers For Medicare and Medicaid Services (CMS), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), President of the U.S., SENATE, State, Dept of (DOS), Veterans Affairs, Dept of (VA)
2022 · fourth_quarter · Consumer Issues/Safety/Products
Issues related to remote online notarization (RON). H.R. 3962/S.1625 - Securing and Enabling Commerce Using Remote and Electronic Notarization Act of 2021.
Client expense: Not reported · Firm income: $30,000
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2022 · fourth_quarter · Taxation/Internal Revenue Code
Issues related to secure, remote on-line transactions. H.R. 3962/S.1625 - Securing and Enabling Commerce Using Remote and Electronic Notarization Act of 2021
Client expense: Not reported · Firm income: $30,000
Government targets: HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), SENATE, Treasury, Dept of
2022 · fourth_quarter · Housing
H.R. 3962 SECURE Notarization Act S. 1625 SECURE Notarization Act Appraisal Industry Reform Automated Valuation Models (AVMs) Regulation Capital Requirements and FHLB Advances CFPBs small-servicer exemption limit Government Sponsored Enterprises Reform and Recapitalization GSEs: Reform, Recapitalization, PSPA Amendments, Climate Change Housing Finance Reform National Flood Insurance Reauthorization Qualified Mortgage Rules TILA-RESPA Integrated Disclosures
Client expense: $1,303,790 · Firm income: Not reported
Government targets: Consumer Financial Protection Bureau (CFPB), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of
2022 · fourth_quarter · Banking
HR 8616: VA Loan Informed Disclosure Act of 2022 Housing Finance Reform Affordable Housing issues Expanding the supply of housing HR 3962/S.1625: Securing and Enabling Commerce Using Remote and Electronic Notarization Act of 2022 HR 7735/S.4208: Improving access to the VA Home Loan Benefit Act of 2022 HR 6109/S.3509: Middle Class Mortgage Insurance Premium Act of 2021
Client expense: $140,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE, White House Office
2022 · fourth_quarter · Housing
HR 8616: VA Loan Informed Disclosure Act of 2022 Housing Finance Reform Affordable Housing issues Expanding the supply of housing HR 3962/S.1625: Securing and Enabling Commerce Using Remote and Electronic Notarization Act of 2022 HR 7735/S.4208: Improving access to the VA Home Loan Benefit Act of 2022 HR 6109/S.3509: Middle Class Mortgage Insurance Premium Act of 2021
Client expense: $140,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE, White House Office
2022 · fourth_quarter · Financial Institutions/Investments/Securities
HR 8616: VA Loan Informed Disclosure Act of 2022 Housing Finance Reform Affordable Housing issues Expanding the supply of housing HR 3962/S.1625: Securing and Enabling Commerce Using Remote and Electronic Notarization Act of 2022 HR 7735/S.4208: Improving access to the VA Home Loan Benefit Act of 2022 HR 6109/S.3509: Middle Class Mortgage Insurance Premium Act of 2021
Client expense: $140,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE, White House Office
2022 · fourth_quarter · Government Issues
HR 8616: VA Loan Informed Disclosure Act of 2022 Housing Finance Reform Affordable Housing issues Expanding the supply of housing HR 3962/S.1625: Securing and Enabling Commerce Using Remote and Electronic Notarization Act of 2022 HR 7735/S.4208: Improving access to the VA Home Loan Benefit Act of 2022 HR 6109/S.3509: Middle Class Mortgage Insurance Premium Act of 2021
Client expense: $140,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE, White House Office
2022 · fourth_quarter · Insurance
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
Client expense: $810,000 · Firm income: Not reported
Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of, U.S. Postal Service (USPS)
2022 · fourth_quarter · Real Estate/Land Use/Conservation
The SECURE Notarization Act (S. 1625/HR 3962) Allows a notary public commissioned under state law to remotely notarize electronic records and requires recognition of notarizations performed under the laws of other states. Additionally, the bill allows a notary public to remotely notarize electronic records involving an individual located outside of the United States, subject to certain requirements. Requires U.S. courts and states to recognize notarizations, including remote notarizations of electronic records, that occur in or affect interstate commerce and are performed by a notary public commissioned under the laws of other states. Lobbied for passage of bill as stand alone as well as through National Defense Reauthorization Act of 2023 (H.R. 7776).
Client expense: $16,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2022 · fourth_quarter · Financial Institutions/Investments/Securities
Work to keep insurance regulated by the states and not by the Consumer Financial Protection Bureau or set by international bodies. Oppose legislation to repeal the McCarran-Ferguson antitrust exemption for the business of insurance. Advocate for privacy measures in line with GLBA and HIPAA as applied to financial services. Support H.R. 8152 American Data Privacy & Protection Act. Support HFSC Ranking Member Patrick McHenry's Data Privacy Discussion Draft. Oppose legislation to provide retroactive pandemic business interruption insurance. Support legislation of e-signatures, e-disclosures, and e-notarizations, including S. 3715 E-Sign Modernization Act. Support H.R.3962 and S.1625 SECURE Notarization Act of 2021. Support H.R. 4350/H.R. 7900/S. 2792, NDAA for FY 2022 - includes both SAFE Banking and SECURE Notarization Act. Support increased CDFI and MDI funding in President's FY 2023 Budget Proposal and House Appropriations FSSC Bill. Support "Build America Bonds" for infrastructure. Support S.1443 and H.R.2917, Retirement Parity for Student Loans Act of 2021. Support H.R.1996/S.910 Secure and Fair Enforcement Banking SAFE Act - This bill generally prohibits a federal regulator from penalizing a financial institution for providing services to a legitimate cannabis-related business. Support H.R.4865/S.3198, Registration for Index Linked Annuities (RILA) Act. Support Consolidated Appropriations Act of 2023 - includes SECURE 2.0 and RILA bills. Support Expanding Financial Access for Underserved Communities Act. Support life insurance tax stabilization provision and 2022 Budget Reconciliation to Build Back Better. Oppose H.R. 8874/S. 4674 Credit Card Competition Act of 2022.
Client expense: $180,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2022 · fourth_quarter · Insurance
Work to keep insurance regulated by the states and not by the Consumer Financial Protection Bureau or set by international bodies. Oppose legislation to repeal the McCarran-Ferguson antitrust exemption for the business of insurance. Advocate for privacy measures in line with GLBA and HIPAA as applied to financial services. Support H.R. 8152 American Data Privacy & Protection Act. Support HFSC Ranking Member Patrick McHenry's Data Privacy Discussion Draft. Oppose legislation to provide retroactive pandemic business interruption insurance. Support legislation of e-signatures, e-disclosures, and e-notarizations, including S. 3715 E-Sign Modernization Act. Support H.R.3962 and S.1625, SECURE Notarization Act of 2021. Support H.R. 4350/S. 2792, NDAA for FY 2022 - includes both SAFE Banking and SECURE Notarization Act. Support increased CDFI and MDI funding in President's FY 2023 Budget Proposal and House Appropriations FSSC bill. Support "Build America Bonds" for infrastructure. Support S.1443 and H.R.2917, Retirement Parity for Student Loans Act of 2021. Support H.R.1996/H.R. 7900/S.910 Secure and Fair Enforcement Banking SAFE Act - This bill generally prohibits a federal regulator from penalizing a financial institution for providing services to a legitimate cannabis-related business. Support H.R.4865/S.3198, Registration for Index Linked Annuities (RILA) Act. Support Consolidated Appropriations Act of 2023 - includes SECURE 2.0 and RILA bills. Support life insurance tax stabilization provision and 2022 Budget Reconciliation to Build Back Better. Support Expanding Financial Access for Underserved Communities Act.
Client expense: $180,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2022 · fourth_quarter · Financial Institutions/Investments/Securities
H.R. 3962/S. 1625 - SECURE Notarization Act - expands access to remote online notary services H.R. 4350/S. 1605 - National Defense Authorization Act for FY 2022 - includes SECURE Notarization Act S. 3715 - E-Sign Modernization Act - the bill repeals the requirement that consumers must demonstrate their ability to access information electronically in order to consent to the use of electronic records. H.R. 8152, American Data Privacy and Protection Act - federal privacy law House Financial Services Committee Republican draft of Data Privacy bill - federal privacy law HFSC Ranking Member McHenry Data Privacy Discussion Drat H.R. 4865/S.3198 - Registration for Index Linked Annuities Act - directs SEC to design a new RILA specific form. Included in final end of year congressional omnibus spending bill.
Client expense: Not reported · Firm income: $40,000
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2022 · third_quarter · Housing
H.R. 3962 SECURE Notarization Act S. 1625 SECURE Notarization Act Appraisal Industry Reform Automated Valuation Models (AVMs) Regulation CFPBs small-servicer exemption limit Government Sponsored Enterprises Reform and Recapitalization GSEs: Reform, Recapitalization, PSPA Amendments, Climate Change Housing Finance Reform National Flood Insurance Reauthorization Qualified Mortgage Rules TILA-RESPA Integrated Disclosures
Client expense: $718,825 · Firm income: Not reported
Government targets: Consumer Financial Protection Bureau (CFPB), Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of
2022 · third_quarter · Banking
H.R. 3962 SECURE Notarization Act S. 1625 SECURE Notarization Act H.R. 6814 Small Business Fair Debt Collection Protection Act H.R. 7022 Strengthening Cybersecurity for the Financial Sector Act of 2022 H.R.8152 The American Data Privacy and Protection Act (ADPPA) H.R.7661 Trigger Leads Abatement Act of 2022 H.R.8269 PATH Data Act of 2022 S.374 Improving Corporate Diversity Through Governance Act HR 1277 Improving Corporate Diversity Through Governance Act H.R.6054 Small Business Lending Disclosure Act of 2021 S. 3235 Small Business Lending Disclosure Act of 2021 S.3884 Economic Continuity and Stability Act S.4004 Small Business Loan Collection Data
Client expense: $520,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2022 · third_quarter · Financial Institutions/Investments/Securities
Protect the credit union tax exemption; Oppose S. 4698, the Improving Cybersecurity of Credit Unions Act- Granting NCUA Oversight Authority Over Third-Party Vendors; CFPBs strategic plan; regulatory relief for credit unions; rulemaking to define abusiveness in UDAAP; provide guidance or rulemaking on special purpose credit programs (SPCP); provide guidance or rulemakings rather than rule through enforcement; provide flexibility related to New Message Format for the Fedwire Funds Service (Docket No. OP-1613); increase funding for CDFI fund, MDIs, and the CDRLF; streamline and modernize the CDFI certification process; FHFA should allow GSEs to purchase non-conforming loans from CDFIs; limit impact and burden from proposed rule related to Section 1071 Small Business Lending Data Collection (RIN: 3170-AA09); support for S.3441 - CDFI Bond Guarantee Program Improvement Act of 2022; support S. 4165; Support legislation and regulation that helps credit unions grow membership, loans, and retained earnings in order to serve their 127 million members; Fair Market: This includes ensuring all lenders are following the same rules of the road and protecting consumers, including making fintechs, predatory payday lenders, and other non-regulated entities subject to proper oversight; Technology and Innovation: As new technologies emerge and disrupt finance, the NCUA needs to foster strong fintech partnerships to help credit unions and support credit unions ability to provide custodial services for digital assets and utilize blockchain technologies; Regulatory Relief: Remove the CFPBs examination and enforcement powers over credit unions, retain the NCUA Boards bipartisan three-member structure, and oppose efforts to place new restrictions on lending and credit reporting that will inhibit credit unions from helping their members; Data Protection: Encouraging federal standards for data privacy and data security that recognize existing regulatory requirements for credit unions, such as a federal standard of privacy rules that aligns with our principles outlined in our white paper; extend GLBA like data security measures to retailers; recognized GLBA compliance in any privacy legislation; opposed to SBA direct lending authority; make improvements to ease the process for forgiveness of PPP loans to small businesses; support for H.R. 5189, the Member Business Loan Expansion Act; support for S. 762, the Expanding Access to Lending Options Act; oppose limits on fee income for credit unions including courtesy pay; CFPB should study overdraft programs to determine the value to consumers; limit burdens of HMDA rule on credit unions, CFPB should remove unnecessary and unused data points related to HMDA reporting; permanently increase reporting thresholds for open- and closed-end loans; response to Draft NCUA Strategic Plan 2022-2026: Ensure a safe, sound, and viable system of cooperative credit that protects consumers, Improve the financial well-being of individuals and communities through access to affordable and equitable financial products and services, and Maximize organizational performance to enable mission success; comments related to HUDs FY22-26 Strategic Goals: support for changes to the FCU Act that would allow all credit unions to serve underserved areas and create specific goals and objectives that will assist financial institutions that specialize in serving low- and moderate-income borrowers with otherwise limited access to personal, business and home financing; preclude robocall blocking rules from limiting legitimate contact of members by credit unions; extend for three years, without revision, the Recordkeeping and Disclosure Requirements Associated with Regulation II (Debit Card Interchange Fees and Routing); Support for H.R. 1996/S. 910, the SAFE Banking Act; general support for Beneficial Ownership Information Reporting Requirements (Docket No.: FINCEN-2021-26548; RIN No.: 1506-AB49) proposed rule but urges FinCEN to ensure that examination and supervisory expectations are consistent with those of other federal regulators, establish data security protocols, and maintain clarity and simplicity in its communications; prevent competitive disadvantages for credit unions and market distortions related to the integration of digital assets into traditional financial products; comments related to Review of Bank Secrecy Act Regulations and Guidance (Docket No.: FINCEN-2021-0008) - FinCen should continue ensuring appropriate safeguards are in place to protect the financial system, should provide additional guidance related to digital assets/CVC and government fraud, should modernize and streamline the current SAR and CTR reporting thresholds, forms, and reporting mechanisms, and explore opportunities to provide feedback to credit unions regarding filed reports; comments related to Agency Information Collection Activities: Comment Request (Regulation E) (Docket No. CFPB-2021-0021) - minimized burdens associated with rule; support for S.1684/H.R. 3323 - Federal Home Loan Banks' Mission Implementation Act; support for Advancing Technologies to Support Inclusion Act; support for Creation of Diverse and Mission-Driven Community Financial Institutions Act; ease requirements for de novo credit unions; provide flexibility for credit unions to issue subordinated debt; CFPB should make greater use of Section 1022 of the Dodd-Frank Act to exempt credit unions from rules where appropriate; support for H.R. 1471, the Access to Credit for Small Businesses Impacted by the COVID-19 Crisis Act; comments related to Anti-Money Laundering Regulations for Real Estate Transactions (Docket No.: FINCEN-2021-0007; RIN No.: 1506-AB54) - limit burdens; support for Sen. Toomeys amendment to H.R. 3076, the Postal Service Reform Act; oppose expanding postal services to include financial services; oppose H.R. 963, the Forced Arbitration Injustice Repeal (FAIR) Act; support for forced arbitration - studies show consumers benefit more often from arbitration than litigation; Support for S.4879/H.R. 7003 - Expanding Financial Access for Underserved Communities Act; support for S. 3745, The TAILOR Act; comments related to FHFAs : 2022-2026 Strategic Plan - FHFA should use technology to aid in appraisal modernization, create and approve pilot programs to close the homeownership gap, and work with other regulators to address climate risk; urged NCUA to initiate rulemaking to amend 12 CFR sec. 701.22 to eliminate all aggregate limits on loan participations a federally-insured credit union (FICU) may purchase from any one originating lender or to expressly exclude all loan participations purchased from a FICU from any aggregate limits on loan participations a FICU may purchase from any one originating lender; NCUA Board should prioritize regulatory reform and initiate a rulemaking to expand membership eligibility to all immediate family surviving a decedent member and redefine the term immediate family to encompass a broader range of blood and legal relatives; Treasury should address the demand for coins to help consumers who rely on cash transactions; urges IRS to issue an adjustment to the 2022 standard optional mileage rate to reflect the recent increase in gas prices; address appraisal bias and modernize the appraisal process for consistency; comments related to Request for Comment regarding Inquiry into Buy-Now-Pay-Later Providers (Docket No.: CFPB-2022-0002) - CFPB should take steps to ensure that unregulated lenders in the BNPL market institute consumer protection practices, potentially by exercising its larger participant authority over the unsecured lender market, engage in consumer education regarding the risks associated with these products and encourage BNPL providers to do the same, and in order to increase the availability of credit, while maintaining consumer protections, the Bureau should consider updates to Regulation Z that would level the playing field in the BNPL market; comments related to Pilot Program on Sharing of Suspicious Activity Reports and Related Information with Foreign Branches, Subsidiaries, and Affiliates (Docket No.: FINCEN-2022-01331; RIN No.: 1506-AB51) - FinCEN should monitor the confidentiality of the shared SAR information and modernize and streamline its SAR reporting requirements; support for H.R. 7412/S.4522, the Transparency in Consumer Financial Protection Bureau (CFPB) Cost-Benefit Analysis Act; oppose any interchange/swipe fee legislation including related to routing or any form of market manipulation; parity for credit unions related to stablecoin; support for S. 4004, the Small LENDER Act; oppose NCUA proposed rule on Succession Planning (RIN: 3133-AF42); general support for Re-Proposal to Enhance Eligibility Requirements for Enterprise Single-Family Seller/Servicers; need greater clarity regarding Guidelines for Evaluating Account and Services Requests (Docket No. Docket No. OP-1747); adopt more flexible rules for acceptance and delivery of electronic signatures and disclosures; support for CFPB commission rather than single director; support for H.R. 7628, the Improve the SBA Act; Asset Threshold for Determining the Appropriate Supervisory Office (RIN: 3133-AF41) - specialized oversight of larger credit unions should be calibrated to reflect relative risk to the SIF today and not defined using an outdated asset threshold; provide greater flexibility related to Permissible Interest Rate Ceiling; NCUA should practice restraint regarding budgeting and be more transparent; support for alternative credit scoring models; not sufficient evidence to justify development of CBDC; do not let the NFIP lapse; the NCUA should eliminate the internal written loan participation policy requirements found at 701.22(b)(5)(iv); HUD should allow the option of 40-year mortgage loans; support for HR6889/S. 4325, the Credit Union Board Modernization Act; improve Veterans access to capital by exempting credit unions' business loans to veterans from the MBL cap; expand the definition of Community Financial Institutions (CFIs) in the Federal Home Loan Bank Act (FHLB Act) to include credit unions and Treasury-certified non-depository community development financial institutions; make permanent NCUAs authorities for the Central Liquidity Facility (CLF) granted under the CARES Act; support for H.R. 5912, the Close the ILC Loophole Act; support for H.R. 7733, the CDFI Bond Guarantee Program Improvement Act; support H.R. 3962, the SECURE Notarization Act; opposition to H.R. 4277, the Overdraft Protection Act; H.R. 6814, the Small Business Fair Debt Collection Protection Act - the FDCPA changes should not improperly burden creditors; opposed to the following 2 bills in their current form: H.R. 7022, the Strengthening Cybersecurity for the Financial Sector Act, and H.R. 8152, the American Data Privacy and Protection Act, Excluding bank lease provision from S. 4543, the FY 2023 NDAA; support for H.R. 5911, the Fair Hiring in Banking Act (as an amendment to H.R. 7900, the FY 2023 NDAA); support for H.R. 3958, the Central Liquidity Facility Enhancement Act; support for H.R. 4590, the Promoting New and Diverse Depository Institutions Act; support for FY 2023 FSGG appropriations in H.R. 8294; oppose interchange legislation: S. 4674/H.R. 8874, the Credit Card Competition Act of 2022; opposed to H.R. 8485, the Expanding Access to Credit through Consumer-Permissioned Data Act; Comments to Department of Commerce related to RIN 0625-XC04; NCUA Regulations Part 701.36, Occupancy Rule; NCUA 2022 Mid-Session Budget; Comments to CFPB related to Docket No. CFPB-2022-0039; Petition to CFPB on rulemaking for larger participants in aggregation services market; Comments to FinCEN related to RIN No.: 1506- AB55; Comments to Treasury related to Request for Comment Document No. 2022-14588; Comments to NCUA related to 2022 Regulatory Review; Opposing expansion of Regulation E liability; Comments to FCC related to Docket No. FCC 21-105; Comments to CFPB related to Docket No. CFPB-2022-0040; Comments to Federal Reserve related to Docket No. R-1775; Deadline extension request for Docket No. CFPB-2022-0048; NCUA Simplified CECL Tool; Comments to NCUA related to RIN 3133-AF47; FHFA oversight - support incorporation of climate change into GSE/FHFA governance, Supporting appraisal modernization, and Supporting CDFI mortgage programs.
Client expense: $1,160,000 · Firm income: Not reported
Government targets: Consumer Financial Protection Bureau (CFPB), Defense, Dept of (DOD), Federal Communications Commission (FCC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Financial Crimes Enforcement Network (FinCEN), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, Veterans Affairs, Dept of (VA), White House Office
2022 · third_quarter · Banking
Protect the credit union tax exemption; Oppose S. 4698, the Improving Cybersecurity of Credit Unions Act- Granting NCUA Oversight Authority Over Third-Party Vendors; CFPBs strategic plan; regulatory relief for credit unions; rulemaking to define abusiveness in UDAAP; provide guidance or rulemaking on special purpose credit programs (SPCP); provide guidance or rulemakings rather than rule through enforcement; provide flexibility related to New Message Format for the Fedwire Funds Service (Docket No. OP-1613); increase funding for CDFI fund, MDIs, and the CDRLF; streamline and modernize the CDFI certification process; FHFA should allow GSEs to purchase non-conforming loans from CDFIs; limit impact and burden from proposed rule related to Section 1071 Small Business Lending Data Collection (RIN: 3170-AA09); support for S.3441 - CDFI Bond Guarantee Program Improvement Act of 2022; support S. 4165; Support legislation and regulation that helps credit unions grow membership, loans, and retained earnings in order to serve their 127 million members; Fair Market: This includes ensuring all lenders are following the same rules of the road and protecting consumers, including making fintechs, predatory payday lenders, and other non-regulated entities subject to proper oversight; Technology and Innovation: As new technologies emerge and disrupt finance, the NCUA needs to foster strong fintech partnerships to help credit unions and support credit unions ability to provide custodial services for digital assets and utilize blockchain technologies; Regulatory Relief: Remove the CFPBs examination and enforcement powers over credit unions, retain the NCUA Boards bipartisan three-member structure, and oppose efforts to place new restrictions on lending and credit reporting that will inhibit credit unions from helping their members; Data Protection: Encouraging federal standards for data privacy and data security that recognize existing regulatory requirements for credit unions, such as a federal standard of privacy rules that aligns with our principles outlined in our white paper; extend GLBA like data security measures to retailers; recognized GLBA compliance in any privacy legislation; opposed to SBA direct lending authority; make improvements to ease the process for forgiveness of PPP loans to small businesses; support for H.R. 5189, the Member Business Loan Expansion Act; support for S. 762, the Expanding Access to Lending Options Act; oppose limits on fee income for credit unions including courtesy pay; CFPB should study overdraft programs to determine the value to consumers; limit burdens of HMDA rule on credit unions, CFPB should remove unnecessary and unused data points related to HMDA reporting; permanently increase reporting thresholds for open- and closed-end loans; response to Draft NCUA Strategic Plan 2022-2026: Ensure a safe, sound, and viable system of cooperative credit that protects consumers, Improve the financial well-being of individuals and communities through access to affordable and equitable financial products and services, and Maximize organizational performance to enable mission success; comments related to HUDs FY22-26 Strategic Goals: support for changes to the FCU Act that would allow all credit unions to serve underserved areas and create specific goals and objectives that will assist financial institutions that specialize in serving low- and moderate-income borrowers with otherwise limited access to personal, business and home financing; preclude robocall blocking rules from limiting legitimate contact of members by credit unions; extend for three years, without revision, the Recordkeeping and Disclosure Requirements Associated with Regulation II (Debit Card Interchange Fees and Routing); Support for H.R. 1996/S. 910, the SAFE Banking Act; general support for Beneficial Ownership Information Reporting Requirements (Docket No.: FINCEN-2021-26548; RIN No.: 1506-AB49) proposed rule but urges FinCEN to ensure that examination and supervisory expectations are consistent with those of other federal regulators, establish data security protocols, and maintain clarity and simplicity in its communications; prevent competitive disadvantages for credit unions and market distortions related to the integration of digital assets into traditional financial products; comments related to Review of Bank Secrecy Act Regulations and Guidance (Docket No.: FINCEN-2021-0008) - FinCen should continue ensuring appropriate safeguards are in place to protect the financial system, should provide additional guidance related to digital assets/CVC and government fraud, should modernize and streamline the current SAR and CTR reporting thresholds, forms, and reporting mechanisms, and explore opportunities to provide feedback to credit unions regarding filed reports; comments related to Agency Information Collection Activities: Comment Request (Regulation E) (Docket No. CFPB-2021-0021) - minimized burdens associated with rule; support for S.1684/H.R. 3323 - Federal Home Loan Banks' Mission Implementation Act; support for Advancing Technologies to Support Inclusion Act; support for Creation of Diverse and Mission-Driven Community Financial Institutions Act; ease requirements for de novo credit unions; provide flexibility for credit unions to issue subordinated debt; CFPB should make greater use of Section 1022 of the Dodd-Frank Act to exempt credit unions from rules where appropriate; support for H.R. 1471, the Access to Credit for Small Businesses Impacted by the COVID-19 Crisis Act; comments related to Anti-Money Laundering Regulations for Real Estate Transactions (Docket No.: FINCEN-2021-0007; RIN No.: 1506-AB54) - limit burdens; support for Sen. Toomeys amendment to H.R. 3076, the Postal Service Reform Act; oppose expanding postal services to include financial services; oppose H.R. 963, the Forced Arbitration Injustice Repeal (FAIR) Act; support for forced arbitration - studies show consumers benefit more often from arbitration than litigation; Support for S.4879/H.R. 7003 - Expanding Financial Access for Underserved Communities Act; support for S. 3745, The TAILOR Act; comments related to FHFAs : 2022-2026 Strategic Plan - FHFA should use technology to aid in appraisal modernization, create and approve pilot programs to close the homeownership gap, and work with other regulators to address climate risk; urged NCUA to initiate rulemaking to amend 12 CFR sec. 701.22 to eliminate all aggregate limits on loan participations a federally-insured credit union (FICU) may purchase from any one originating lender or to expressly exclude all loan participations purchased from a FICU from any aggregate limits on loan participations a FICU may purchase from any one originating lender; NCUA Board should prioritize regulatory reform and initiate a rulemaking to expand membership eligibility to all immediate family surviving a decedent member and redefine the term immediate family to encompass a broader range of blood and legal relatives; Treasury should address the demand for coins to help consumers who rely on cash transactions; urges IRS to issue an adjustment to the 2022 standard optional mileage rate to reflect the recent increase in gas prices; address appraisal bias and modernize the appraisal process for consistency; comments related to Request for Comment regarding Inquiry into Buy-Now-Pay-Later Providers (Docket No.: CFPB-2022-0002) - CFPB should take steps to ensure that unregulated lenders in the BNPL market institute consumer protection practices, potentially by exercising its larger participant authority over the unsecured lender market, engage in consumer education regarding the risks associated with these products and encourage BNPL providers to do the same, and in order to increase the availability of credit, while maintaining consumer protections, the Bureau should consider updates to Regulation Z that would level the playing field in the BNPL market; comments related to Pilot Program on Sharing of Suspicious Activity Reports and Related Information with Foreign Branches, Subsidiaries, and Affiliates (Docket No.: FINCEN-2022-01331; RIN No.: 1506-AB51) - FinCEN should monitor the confidentiality of the shared SAR information and modernize and streamline its SAR reporting requirements; support for H.R. 7412/S.4522, the Transparency in Consumer Financial Protection Bureau (CFPB) Cost-Benefit Analysis Act; oppose any interchange/swipe fee legislation including related to routing or any form of market manipulation; parity for credit unions related to stablecoin; support for S. 4004, the Small LENDER Act; oppose NCUA proposed rule on Succession Planning (RIN: 3133-AF42); general support for Re-Proposal to Enhance Eligibility Requirements for Enterprise Single-Family Seller/Servicers; need greater clarity regarding Guidelines for Evaluating Account and Services Requests (Docket No. Docket No. OP-1747); adopt more flexible rules for acceptance and delivery of electronic signatures and disclosures; support for CFPB commission rather than single director; support for H.R. 7628, the Improve the SBA Act; Asset Threshold for Determining the Appropriate Supervisory Office (RIN: 3133-AF41) - specialized oversight of larger credit unions should be calibrated to reflect relative risk to the SIF today and not defined using an outdated asset threshold; provide greater flexibility related to Permissible Interest Rate Ceiling; NCUA should practice restraint regarding budgeting and be more transparent; support for alternative credit scoring models; not sufficient evidence to justify development of CBDC; do not let the NFIP lapse; the NCUA should eliminate the internal written loan participation policy requirements found at 701.22(b)(5)(iv); HUD should allow the option of 40-year mortgage loans; support for HR6889/S. 4325, the Credit Union Board Modernization Act; improve Veterans access to capital by exempting credit unions' business loans to veterans from the MBL cap; expand the definition of Community Financial Institutions (CFIs) in the Federal Home Loan Bank Act (FHLB Act) to include credit unions and Treasury-certified non-depository community development financial institutions; make permanent NCUAs authorities for the Central Liquidity Facility (CLF) granted under the CARES Act; support for H.R. 5912, the Close the ILC Loophole Act; support for H.R. 7733, the CDFI Bond Guarantee Program Improvement Act; support H.R. 3962, the SECURE Notarization Act; opposition to H.R. 4277, the Overdraft Protection Act; H.R. 6814, the Small Business Fair Debt Collection Protection Act - the FDCPA changes should not improperly burden creditors; opposed to the following 2 bills in their current form: H.R. 7022, the Strengthening Cybersecurity for the Financial Sector Act, and H.R. 8152, the American Data Privacy and Protection Act, Excluding bank lease provision from S. 4543, the FY 2023 NDAA; support for H.R. 5911, the Fair Hiring in Banking Act (as an amendment to H.R. 7900, the FY 2023 NDAA); support for H.R. 3958, the Central Liquidity Facility Enhancement Act; support for H.R. 4590, the Promoting New and Diverse Depository Institutions Act; support for FY 2023 FSGG appropriations in H.R. 8294; oppose interchange legislation: S. 4674/H.R. 8874, the Credit Card Competition Act of 2022; opposed to H.R. 8485, the Expanding Access to Credit through Consumer-Permissioned Data Act; Comments to Department of Commerce related to RIN 0625-XC04; NCUA Regulations Part 701.36, Occupancy Rule; NCUA 2022 Mid-Session Budget; Comments to CFPB related to Docket No. CFPB-2022-0039; Petition to CFPB on rulemaking for larger participants in aggregation services market; Comments to FinCEN related to RIN No.: 1506- AB55; Comments to Treasury related to Request for Comment Document No. 2022-14588; Comments to NCUA related to 2022 Regulatory Review; Opposing expansion of Regulation E liability; Comments to FCC related to Docket No. FCC 21-105; Comments to CFPB related to Docket No. CFPB-2022-0040; Comments to Federal Reserve related to Docket No. R-1775; Deadline extension request for Docket No. CFPB-2022-0048; NCUA Simplified CECL Tool; Comments to NCUA related to RIN 3133-AF47; FHFA oversight - support incorporation of climate change into GSE/FHFA governance, Supporting appraisal modernization, and Supporting CDFI mortgage programs.
Client expense: $1,160,000 · Firm income: Not reported
Government targets: Consumer Financial Protection Bureau (CFPB), Defense, Dept of (DOD), Federal Communications Commission (FCC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Financial Crimes Enforcement Network (FinCEN), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, Veterans Affairs, Dept of (VA), White House Office
2022 · third_quarter · Banking
Monitor issues impacting the land title industry; Remote On-line Notary Legislation S 1625; HR 3962
Client expense: Not reported · Firm income: $20,000
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2022 · third_quarter · Retirement
Retirement Security Issues House and Senate Budget Reconciliation bill HR3962 Securing and Enabling Commerce Using Remote Online Notarization Act HR4865 Registered Index Linked Annuity (RILA) Act HR5891 Retirement Improvement and Savings Enhancement (RISE) Act HR2954 Securing a Strong Retirement Act S.4343 Retirement Improvement and Savings Enhancement to Supplement Healthy Investments for the Nest Egg (RISE & SHINE) Act S. 4808 Enhancing American Retirement Now (EARN)
Client expense: $80,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2022 · third_quarter · Consumer Issues/Safety/Products
Privacy and Data Security HR1816 - To require the Federal Trade Commission to promulgate regulations related to sensitive personal information, and for other purposes. HR8152 - American Data Privacy and Protection Act Communications with the Senate Commerce Committee about data privacy and security policy. Remote Online Notarization S1625 - Securing and Enabling Commerce Using Remote and Electronic (SECURE) Notarization Act HR4350 - National Defense Authorization Act HR3962 - Securing and Enabling Commerce Using Remote and Electronic (SECURE) Notarization Act Communications with the House Committee on Rules regarding support for Amendment #543 Broadband Access HR2471 - Consolidated Appropriations Act of 2022 S2017 - The Broadband Reform and Investment (BRIDGE) Act Discussions with the U.S. House or Representatives and the U.S. Senate in support of funding for increased broadband access. Consumer Financial Protection Bureau HR4773 - The Consumer Financial Protection Commission Act Anti-Money Laundering HR5525 - ENABLERS Act Census Bureau Funding Communications with the House Appropriations Subcommittee on Commerce, Justice, Science and Related Agencies regarding FY2023 Census Bureau Funding. Conversations with the House of Representatives and the Senate regarding anti-money laundering regulations and policy proposals. Communications with the Financial Crimes Enforcement Network (FinCEN) within the Department of the Treasury regarding anti-money laundering regulations. Communications with the Consumer Financial Protection Bureau about wire fraud issues, consumer protections and education, and qualified mortgages (QM).
Client expense: $29,260,000 · Firm income: Not reported
Government targets: Financial Crimes Enforcement Network (FinCEN), HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of
2022 · third_quarter · Financial Institutions/Investments/Securities
H.R. 1277 - Improving Corporate Governance Through Diversity; entire bill H.R. 1816 - Information Transparency and Personal Data Control Act; entire bill H.R. 2039 - To Prohibit the Securities and Exchange Commission from Requiring that Personally Identifiable Information be Collected under Consolidated Audit Trail Reporting Requirements, and for other Purposes; entire bill H.R. 2620 - Investor Choice Act of 2021; entire bill H.R. 3962 - To authorize notaries public to perform, and to establish minimum standards for, electronic notarizations and remote notarizations that occur in or affect interstate commerce, to require any Federal court to recognize notarizations performed by a notarial officer of any State, to require any State to recognize notarizations performed by a notarial officer of any other State when the notarization was performed under or relates to a public Act, record, or judicial proceeding of the notarial officer's State or when the notarization occurs in or affects interstate commerce, and for other purposes; entire bill H.R. 8152 - the American Data Privacy and Protection Act; entire bill S. 374 - Improving Corporate Governance Through Diversity Act; entire bill S. 1171 - Investor Choice Act of 2021; entire bill S. 1209 - Protecting Investors Personally Identifiable Information Act; entire bill S. 1625 - Securing and Enabling Commerce Using Remote and Electronic Notarization Act (SECURE Notarization Act); entire bill S. 4241 - INvestor DEmocracy is Expected (INDEX) Act; entire bill Not Yet Introduced: Rep. Patrick McHenry Financial Data Privacy discussion draft
Client expense: $190,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2022 · third_quarter · Consumer Issues/Safety/Products
H.R. 8152 The American Data Privacy and Protection Act (ADPPA)--Issues related to data security and privacy H.R. 3962, S. 1625 "The Secure Act"; H.R. 4350 "National Defense Authorization Act"--Remote Online Notarization S. 3715 "Electronic Signatures in Global and National Commerce Act (E-SIGN)"
Client expense: $220,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE
Equity market structure and trading regulation; systemic risk legislation; systemic risk regulation; e-delivery; digital assets, including relevant provisions of S. 4356, the Lummis-Gillibrand Responsible Financial Innovation Act and S. 4760, the Digital Commodities Consumer Protection Act of 2022; remote notarization, including relevant provisions of H.R. 3962, the Securing and Enabling Commerce Using Remote and Electronic Notarization Act of 2022; Environmental, Social, and Governance (ESG) legislation/regulation; fixed income market structure; remote inspections; regulatory relief related to COVID
Client expense: $680,000 · Firm income: Not reported
Government targets: Commodity Futures Trading Commission (CFTC), HOUSE OF REPRESENTATIVES, SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of
Retirement policy, including relevant provisions of H.R. 2954, the Securing a Strong Retirement Act of 2022, S. 4353, the RISE & SHINE Act, S. 4808, the Enhancing American Retirement Now Act, and S. 4973, the Retirement Savings Modernization Act; retirement savings enhancements, including relevant provisions of H.R. 2954, the Securing a Strong Retirement Act of 2022, S. 4353, the RISE & SHINE Act, and S. 4808, the Enhancing American Retirement Now Act; e-delivery; emergency savings accounts; auto-portability, including relevant provisions of S. 4406, the Advancing Auto-Portability Act of 2022; Environmental, Social, and Governance (ESG) legislation/regulation; ERISA plan investment options, including cryptocurrencies and relevant provisions of S. 4973, the Retirement Savings Modernization Act; remote notarization, including relevant provisions of H.R. 3962, the Securing and Enabling Commerce Using Remote and Electronic Notarization Act of 2022; open MEPs
Client expense: $680,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE