SECURE Notarization Act of 2023

General Data Privacy;   H.R. 1059 and S. 1212, SECURE Notarization Act;   H.R. 1165, Data Privacy Act of 2023 General Broadband Issues  General Artificial Intelligence Issues H.R. 8818, American Data Privacy and Protection Act

Client expense: $520,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to data security and privacy; remote online notarization; and electronic signatures; H.R.1059 - SECURE Notarization Act of 2023/S.1212 - SECURE Notarization Act of 2023; Reintroduction of S.3715 - E-SIGN Modernization Act of 2022; S.1409/H.R. 7891 - Kids Online Safety Act; S.2073 - Kids Online Safety and Privacy Act; and issues related to artificial intelligence.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to remote online notarization; electronic signatures; H.R.1059 - SECURE Notarization Act of 2023/S.1212 - SECURE Notarization Act of 2023; Reintroduction of S.3715 - E-SIGN Modernization Act of 2022; and issues related to artificial intelligence.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to remote online notarization. General Data Privacy. H.R. 1165 - The Data Privacy Act of 2023. H.R. 1059 - Securing and Enabling Commerce Using Remote and Electronic Notarization Act of 2023 (SECURE Notarization Act of 2023).

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to modernization of government technology generally, and specifically HR 4891 - Multi-Cloud Innovation and Advancement Act, S. 2871 - Multi-Cloud Innovation and Advancement Act, HR 5887 - Government Service Delivery Improvement Act, the FY25 Appropriations bill, and FedRAMP Issues pertaining to Cybersecurity generally, and specifically, H.R. 1360 - Cybersecurity Literacy Act, H.R.4552 - Federal Information Security Modernization Act of 2023, S.2251 - Federal Information Security Modernization Act of 2023 Issues pertaining to the development of Artificial Intelligence generally, and specifically, H.R. 4223 - National AI Commission Act, S. 3205 - Federal Artificial Intelligence Risk Management Act, S. 3312: Artificial Intelligence Research, Innovation, and Accountability Act of 2023, H.R.6936 - Federal Artificial Intelligence Risk Management Act, S. 2714, - CREATE AI Act, S. 4495 - PREPARED for AI Act, S. 4875 - NO FAKES Act Issues pertaining to government procurement of software generally, and including, H.R. 1059 - SECURE Notarization Act of 2023, S. 931 - Strengthening Agency Management and Oversight of Software Assets Act, S.3594 - SHARE IT Act, S. 4066 - FIT Procurement Act Comprehensive federal privacy legislation, H.R. 8818 - American Privacy Rights Act of 2024 Issues pertaining to content moderation and Section 230 generally including, but not limited to S. 483 - Internet Platform Accountability and Consumer Transparency (PACT) Act, S. 1865 - TAG Act, S. 1409/H.R. 7891 Kids Online Safety Act - pertaining to Business-to-business software business models as they relate to the online content moderation of minors

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

Government targets: Commerce, Dept of (DOC), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, SENATE, U.S. Trade Representative (USTR), White House Office

Issues related to modernization of government technology generally, and specifically HR 4891 - Multi-Cloud Innovation and Advancement Act, S. 2871 - Multi-Cloud Innovation and Advancement Act, HR 5887 - Government Service Delivery Improvement Act and FedRAMP Issues pertaining to Cybersecurity generally, and specifically, H.R. 1360 - Cybersecurity Literacy Act, H.R.4552 - Federal Information Security Modernization Act of 2023, S.2251 - Federal Information Security Modernization Act of 2023 Issues pertaining to the development of Artificial Intelligence generally, and specifically, H.R. 4223 - National AI Commission Act, S. 3205 - Federal Artificial Intelligence Risk Management Act, S. 3312: Artificial Intelligence Research, Innovation, and Accountability Act of 2023, H.R.6936 - Federal Artificial Intelligence Risk Management Act, S. 2714 - CREATE AI Act, S. 4495 - PREPARED for AI Act, S. 4875 - NO FAKES Act Issues pertaining to government procurement of software generally, and including, H.R. 1059 - SECURE Notarization Act of 2023, S. 931 - Strengthening Agency Management and Oversight of Software Assets Act, S.3594 - SHARE IT Act, S. 4066 - FIT Procurement Act Comprehensive federal privacy legislation, H.R. 8818 - American Privacy Rights Act of 2024 Issues pertaining to content moderation and Section 230 generally including, but not limited to S. 483 - Internet Platform Accountability and Consumer Transparency (PACT) Act, S. 1865 - TAG Act, S. 1409/H.R. 7891 Kids Online Safety Act - pertaining to Business-to-business software business models as they relate to the online content moderation of minors.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HR 1059, SECURE Notarization Act of 2023 HR 8127 Heirs Estate Inheritance Resolution and Succession Act of 2024

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R.1059 - SECURE Notarization Act of 2023; H.R.1165 - Data Privacy Act of 2023; Issues related to retirement security; Information Reporting of Certain Life Insurance Contract Transactions and Modifications to the Transfer for Valuable Consideration Rules (REG-103083-18).

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 1059/S. 1212 - Securing and Enabling Commerce Using Remote and Electronic Notarization Act of 2023 (SECURE Notarization Act of 2023). Monitor issues related to Artificial Intelligence and Remote Identity-Proofing policies. Issues related to consumer privacy legislation and artificial intelligence. H.R. 8818 - The American Privacy Rights Act.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Legislation and regulations impacting the land title insurance industry including appraisal issues, cannabis-related banking issues, and data privacy issues; H.R.1059, SECURE Notarization Act of 2023; H.R.1165, Data Privacy Act of 2023; S.2860, SAFER Banking Act; GSE Pilot Project on Title Insurance Alternatives.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Legislative and regulatory issues affecting the housing industry including appraisal issues; Senate Banking Committee GSE Reform outline; H.R.1059, SECURE Notarization Act of 2023; flood insurance.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to data privacy and data security; H.R.1165, Data Privacy Act of 2023. Issues related to remote and electronic notarization; H.R.1059, SECURE Notarization Act of 2023.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HR 274 To report on "all-hazards disaster insurance program" -- To require a report by the Comptroller General of the United States on a national all-hazards disaster insurance program. Issue Climate-Related Financial Risk Issue Diversity, Equity, and Inclusion Issue Cybersecurity Issue Data Privacy Issue Role of Private Equity in Insurance Issue Pre-Disaster Mitigation and Resiliency HR 5689 (117th) Resilient AMERICA Act - addresses disaster resilience issues and expands coverage for hazard mitigation. HR 482/S 188 Wildfire Emergency Act - improve Federal activities relating to wildfires HR 906 REPAIR Act - ensure consumers have access to data, repair information, and tools, and to provide them choices for the maintenance, service, and repair of their motor vehicles S 513 Insure Cybersecurity Act of 2023 - establish a working group on cyber insurance, to require dissemination HR 1165 Data Privacy Act of 2023 - amend the Gramm-Leach-Bliley Act to modernize the protection of the nonpublic personal information HR 621/S 154 PART Act - establishes requirements for motor vehicles related to catalytic converters AFT FY24 Appropriations - FY24 Appropriations HR 3799 CHOICE Arrangement Act -- statutory authority for regulations that allow employers to offer individual coverage health reimbursement arrangements DRAFTFarm Bill 2023 - Farm Bill DRAFT Homeowners Defense Act - To ensure the availability and affordability of homeowners insurance coverage for catastrophic events. HR 8152 (117th) American Data Privacy Protection Act - To provide consumers with foundational data privacy rights, create strong oversight mechanisms, and establish meaningful enforcement. HR 1059/S 1212 SECURE Notarization Act -allows a notary public commissioned under state law to remotely notarize electronic records HR 2923/S 1384 Living Donor Protection Act -- prohibits certain insurance carriers from discriminating against, and provides other protections for, living organ donors. HR 3388/S 1607 Repair Abuses of MSP Payments (RAMP) Act - amend Social Security Act to permit a private cause of action for damages in the case of a group health plan which fails to provide for primary payment or appropriate reimbursement. HR 2933 Federal Insurance Office Elimination Act -- To eliminate the Federal Insurance Office of the Department of the Treasury S 1694 Federal Insurance Office Abolishment Act of 2023 -- To eliminate the Federal Insurance Office of the Department of the Treasury HR 3880 PAID Act -- prohibit private passenger automobile insurers from using certain income proxies to determine insurance rates and eligibility. HR 15/S 5 Equality Act - prohibits discrimination based on sex, sexual orientation, or gender identity with respect to businesses, employment, housing, federally funded programs S 2061Catalytic Converter Theft Task Force Act -- task force to develop and implement strategies to deter, prevent, and combat the theft and trafficking of catalytic converters DRAFTFinancial Services and General Government Appropriation FY24 - FSGG Appropriations HR 3014 - CART Act of 2023-to amend the Internal Revenue Code of 1986 to establish a system for the taxation of catastrophic risk transfer companies to ensure sufficient capital to cover catastrophic insurance losses, and for other purposes Issue: Third Party Litigation Funding

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

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of, U.S. Postal Service (USPS)

H.R. 1059: Securing and Enabling Commerce Using Remote and Electronic (SECURE) Notarization Act of 2023 H.R. 1165: Data Privacy Act of 2023 Issues related to retirement security Information reporting for Certain Life Insurance Contract Transactions and Modifications to the Transfer for Valuable Consideration Rules (RE-103083-18) H.R. 2882 - Further Consolidated Appropriations Act, 2024

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

Government targets: HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE, Treasury, Dept of

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. 1165, the Data Privacy Act introduced by HFSC Chairman McHenry. Oppose H.R. 8818, the American Privacy Rights Act, which contains a private right of action and does not include federal preemption or an exemption for GLBA.Support legislation of e-signatures, e-disclosures, and e-notarizations, including E-Sign Modernization Act. Support H.R. 1059/S. 1212, the SECURE Notarization Act. Support H.R. 2891/S. 1323/S 2860, the Secure and Fair Enforcement Banking SAFE Act and Secure and Fair Enforcement Regulation Banking (SAFER) Act. This bill generally prohibits a federal regulator from penalizing a financial institution for providing services to a legitimate cannabis-related business.

Client expense: $110,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

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. 1165, the Data Privacy Act introduced by HFSC Chairman McHenry. Oppose H.R. 8818, the American Privacy Rights Act, which contains a private right of action and does not include federal preemption or an exemption for GLBA. Support legislation of e-signatures, e-disclosures, and e-notarizations, including E-Sign Modernization Act. Support H.R.1059, SECURE Notarization Act. Support S. 869, the CDFI Bond Guarantee Program Improve Act. Support H.R. 3161, the CDFI Fund Transparency Act, which would require the Fund's Director to testify annually before the HFS and SB Committees. Support increased CDFI and MDI funding in President's FY 2024 Budget Proposal and House Appropriations FSSC Bill. Support H.R. 2891/S. 1323/S. 2860, the Secure and Fair Enforcement Banking SAFE Act and Secure and Fair Enforcement Regulation Banking (SAFER) Act. This bill generally prohibits a federal regulator from penalizing a financial institution for providing services to a legitimate cannabis-related business. Oppose H.R. 3881/S. 1838, the Credit Card Competition Act, a bill that would reduce interchange fees on credit cards. Support H.R. 1807, Improving Disclosure for Investors Act of 2023, to provide electronic delivery of SEC regulatory documents. Included in H.R. 2799, Expanding Access to Capital Act. Support H.R. 500, Financial Exploitation Prevention Act. H.R. 7036, Strengthening Cyber Security for the Financial Sector Act. Working to exclude the "business of insurance" from NCUA's third party vendor bill, keeping insurance regulated by the states. Support H.R. 7440, Financial Services Innovation Act, which develops regulatory pathways for facilitating responsible innovation in fintech. Support H.R. 9767, the Promoting and Advancing Communities of Color Through Inclusive Lending Act. Oppose H.R. 9303, the Protecting Consumers from Payment Scams Act, which would change EFTA's definition of an unauthorized transfer to cover fraudulently induced transactions

Client expense: $110,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to remote online notarization - no specific legislation. H.R.1059 - SECURE Notarization Act of 2023 & the issue of remote online notarization. S.1212 - Securing and Enabling Commerce Using Remote and Electronic Notarization Act of 2023. Monitor issues related to Artificial Intelligence and Remote Identity-Proofing policies - no specific legislation. H.R. 8818 - The American Privacy Rights Act - entire bill.

Client expense: $70,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to remote online notarization - no specific legislation. H.R.1059 - SECURE Notarization Act of 2023 & the issue of remote online notarization. S.1212 - Securing and Enabling Commerce Using Remote and Electronic Notarization Act of 2023. Monitor issues related to Artificial Intelligence and Remote Identity-Proofing policies - no specific legislation. H.R. 8818 - The American Privacy Rights Act - entire bill.

Client expense: $70,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Lobbied on the SECURE Notarization Act (H.R. 1059, S. 1212) to allow a notary public commissioned under state law to remotely notarize electronic records and for states to recognize 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. Educated congressional offices on recent changes in real estate transaction policies.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 1059 SECURE Notarization Act H.R. 1165 Data Privacy Act of 2023 H.R. 2656 Trigger Leads Abatement Act of 2023 H.R 7297 Homebuyers Privacy Protection Act of 2024 H.R. 4192 Small Business Financing Disclosure Act of 2023 H.R. 4198 Protecting Consumers from Abusive Mortgage Leads Act H.R. 4737 Stop Executive Capture of Banking Regulators Act H.R. 4823 American Financial Institution Regulator Sovereignty and Transparency Act S. 1212 SECURE Notarization Act S. 2021 Small Business Financing Disclosure Act of 2023 S. 3012 Deposit Security Act S. 3502 Homebuyers Privacy Protection Act H.R. 5648 Community Assistance for Recovery and Empowerment Act H.R. 3464 Affordable Homeownership Access Act H.J. Res. 120 Disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Financial Stability Oversight Council (FSOC) relating to "Guidance on Non-Bank Financial Company Determinations Basel endgame rules

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

Government targets: Consumer Financial Protection Bureau (CFPB), Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

General Data Privacy;   H.R. 1059 and S. 1212, SECURE Notarization Act;   H.R. 1165, Data Privacy Act of 2023 General Broadband Issues  General Artificial Intelligence Issues H.R. 8818, American Data Privacy and Protection Act

Client expense: $520,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Privacy and Data Security Discussions with the House Financial Services and the House Commerce Committees on federal data privacy policies. H.R.1165 - Data Privacy Act H.R. 8818 - American Privacy Rights Act. Communications with the House of Representatives opposing the American Privacy Rights Act. Anti-Money Laundering Conversations with the Financial Crimes Enforcement Network (FinCEN) regarding anti-money laundering proposals aimed at real estate transactions. Remote Online Notarization HR1059 - The Securing and Enabling Commerce Using Remote and Electronic (SECURE) Notarization Act of 2023. Data Brokers Communications with Consumer Financial Protection Bureau and Small Business Administration regarding data brokers. Artificial Intelligence Communications with the House of Representatives, Department of Housing and Urban Development. and the National Institute of Standards & Technology regarding artificial intelligence.

Client expense: $32,010,000 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Natl Institute of Standards & Technology (NIST), SENATE, Small Business Administration (SBA), Treasury, Dept of

HR 1059, SECURE Notarization Act of 2023

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to modernization of government technology generally, and specifically HR 4891 - Multi-Cloud Innovation and Advancement Act, S. 2871 - Multi-Cloud Innovation and Advancement Act, HR 5887 - Government Service Delivery Improvement Act and FedRAMP Issues pertaining to Cybersecurity generally, and specifically, H.R. 1360 - Cybersecurity Literacy Act, H.R.4552 - Federal Information Security Modernization Act of 2023, S.2251 - Federal Information Security Modernization Act of 2023 Issues pertaining to the development of Artificial Intelligence generally, and specifically, H.R. 4223 - National AI Commission Act, S. 3205 - Federal Artificial Intelligence Risk Management Act, S. 3312: Artificial Intelligence Research, Innovation, and Accountability Act of 2023, H.R.6936 - Federal Artificial Intelligence Risk Management Act, S. 2714 - CREATE AI Act, S. 4495 - PREPARED for AI Act, S. 4875 - NO FAKES Act Issues pertaining to government procurement of software generally, and including, H.R. 1059 - SECURE Notarization Act of 2023, S. 931 - Strengthening Agency Management and Oversight of Software Assets Act, S.3594 - SHARE IT Act, S. 4066 - FIT Procurement Act Comprehensive federal privacy legislation, H.R. 8818 - American Privacy Rights Act of 2024 Issues pertaining to content moderation and Section 230 generally including, but not limited to S. 483 - Internet Platform Accountability and Consumer Transparency (PACT) Act, S. 1865 - TAG Act, S. 1409/H.R. 7891 Kids Online Safety Act - pertaining to Business-to-business software business models as they relate to the online content moderation of minors.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Discussions involving H.R. 8647, the VA Home Loan Program Reform Act Discussions involving the Federal Housing Finance Agency and Freddie Mac second lien proposal Discussions involving S. 3728, the Veterans Housing Stability Act of 2024 Discussions involving housing finance reform legislation Monitored S. 1514 / H.R. 3170, the Homes for Every Local Protector, Educator, and Responder (HELPER) Act of 2023 Monitored the implementation of P.L. 116-136, the CARES Act (provisions related to mortgage forbearance for consumers and liquidity for mortgage servicers) Monitored H.R. 3564, the Middle Class Borrower Protection Act of 2023 Monitored H.R. 1059, the SECURE Notarization Act of 2023 Monitored H.R. 4335, the VA Loan Informed Disclosure Act of 2023 Monitored S. 2496, the VALID Act of 2023 Monitored S. 3068 / H.R. 5979, the VA Home Loan Awareness Act of 2023 Monitored executive branch nominations to federal agencies and commissions

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to remote online notarization; electronic signatures; H.R.1059 - SECURE Notarization Act of 2023/S.1212 - SECURE Notarization Act of 2023; Reintroduction of S.3715 - E-SIGN Modernization Act of 2022; and issues related to artificial intelligence.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to data security and privacy; remote online notarization; and electronic signatures; H.R.1059 - SECURE Notarization Act of 2023/S.1212 - SECURE Notarization Act of 2023; Reintroduction of S.3715 - E-SIGN Modernization Act of 2022; S.1409 - Kids Online Safety Act; and issues related to artificial intelligence.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S. 680; the Decent, Affordable, Safe Housing for All Act; proposes to increase affordable rental availability, low-income housing tax credits, first time homebuyer tax credit, and a tax credit to help affordable housing for homeownership. S. 657 / H.R. 3940; Neighborhood Homes Investment Act; the proposed bill would create a tax credit for the acquisition, rehabilitation, or remediation of properties housing. H.R. 3418 & S. 1654; the Credit Access and Inclusion Act; The proposed bill would allow for the reporting of a renters utility payments to credit reporting agencies. H.R. 4233; The Housing Crisis Response Act of 2023: The proposed bill would provide funding to create more housing units. H.R. 4231; The Downpayment Toward Equity Act of 2023: The proposed bill would create a downpayment assistance program for first-time, first-generation homebuyers. C.A.R. discussed with members of Congress and the VA difficulties home sellers and home buyers were experiencing with the mortgage assumability process for FHA and VA loans. C.A.R. discussed with members of Congress the future of Fannie Mae and Freddie Mac, and how they should be brought out of conservatorship. C.A.R. discussed the impact of Home Equity Conversion Mortgages on the FHA Forward Mortgage product because of its inclusion in the Mutual Mortgage Insurance Fund. C.A.R. advocated for the reduction of the FHA mortgage insurance premium. C.A.R. discussed the issue of Affirmatively Furthering Fair Housing. C.A.R. discussed the Administration's "Blueprint for a Renters Bill of Rights." C.A.R. discussed with Member of Congress and Regulators the proposed Loan Level Price Adjustments by the Federal Housing Finance Agency for Fannie Mae and Freddie Mac. C.A.R. discussed proposals to allow for remote online notary, including H.R. 1059 and S. 1212, the Securing and Enabling Commerce Using Remote and Electronic Notarization Act. C.A.R. discussed proposals to improve the HUD's Section 8, housing voucher program to make it easier for housing providers to participate. C.A.R. advocated for increasing funding for HUD to provide grants for the enforcement of fair housing laws. C.A.R. discussed the increased use of Attorney Opinion Letters as an alternative to title insurance. C.A.R. discussed current FHA appraisal and property inspection rules and their impact on FHA loan acceptance rates. C.A.R. discussed current FHA condo rules. C.A.R. advocated for reducing or eliminating the FHA life of loan insurance premium. C.A.R. submitted a comment letter on the Proposed Rule -Notification Requirement for Lease Termination. C.A.R. discussed with members of Congress the ability of Veteran homebuyers using the VA home loan program to pay for the services of a buyer broker or buyer agent fee. C.A.R. submitted a comment letter on the HUD Request for Information FR-6466-N-01, on Direct Rental Assistance Payments.

Client expense: $42,697 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), Federal Housing Finance Agency (FHFA), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE, Veterans Affairs, Dept of (VA)

Issues related to modernization of government technology generally, and specifically HR 4891 - Multi-Cloud Innovation and Advancement Act, S. 2871 - Multi-Cloud Innovation and Advancement Act, HR 5887 - Government Service Delivery Improvement Act, the FY25 Appropriations bill, and FedRAMP Issues pertaining to Cybersecurity generally, and specifically, H.R. 1360 - Cybersecurity Literacy Act, H.R.4552 - Federal Information Security Modernization Act of 2023, S.2251 - Federal Information Security Modernization Act of 2023 Issues pertaining to the development of Artificial Intelligence generally, and specifically, H.R. 4223 - National AI Commission Act, S. 3205 - Federal Artificial Intelligence Risk Management Act, S. 3312: Artificial Intelligence Research, Innovation, and Accountability Act of 2023, H.R.6936 - Federal Artificial Intelligence Risk Management Act, S. 2714, - CREATE AI Act, S. 4495 - PREPARED for AI Act, S. 4875 - NO FAKES Act Issues pertaining to government procurement of software generally, and including, H.R. 1059 - SECURE Notarization Act of 2023, S. 931 - Strengthening Agency Management and Oversight of Software Assets Act, S.3594 - SHARE IT Act, S. 4066 - FIT Procurement Act Comprehensive federal privacy legislation, H.R. 8818 - American Privacy Rights Act of 2024 Issues pertaining to content moderation and Section 230 generally including, but not limited to S. 483 - Internet Platform Accountability and Consumer Transparency (PACT) Act, S. 1865 - TAG Act, S. 1409/H.R. 7891 Kids Online Safety Act - pertaining to Business-to-business software business models as they relate to the online content moderation of minors

Client expense: $530,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, SENATE, U.S. Trade Representative (USTR), White House Office

Legislative and regulatory issues affecting the housing industry including appraisal issues; Senate Banking Committee GSE Reform outline; H.R.1059, SECURE Notarization Act of 2023; flood insurance.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Legislation and regulations impacting the land title insurance industry including appraisal issues, cannabis-related banking issues, and data privacy issues; H.R.1059, SECURE Notarization Act of 2023; H.R.1165, Data Privacy Act of 2023; S.2860, SAFER Banking Act; GSE Pilot Project on Title Insurance Alternatives.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to data privacy and data security; H.R.1165, Data Privacy Act of 2023. Issues related to remote and electronic notarization; H.R.1059, SECURE Notarization Act of 2023.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 1059 - SECURE Remote Online Notarization Act; entire bill H.R. 1165 - Data Privacy Act; entire bill H.R. 1807 - Improving Disclosure for Investors Act of 2023; entire bill H.R. 2622 - to amend the Investment Advisers Act of 1940 to codify certain Securities and Exchange Commission no-action letters that exclude brokers and dealers compensated for certain research services from the definition of investment adviser, and for other purposes; entire bill H.R. 2627 - Increasing Investor Opportunities Act; entire bill H.R. 2799 - the Expanding Access to Capital Act of 2023; entire bill H.R. 3063 - Retirement Fairness for Charities and Educational Institutions Act of 2023; entire bill H.R. 8818 - American Privacy Rights Act of 2024; entire bill S. 1212 - Securing and Enabling Commerce Using Remote and Electronic (SECURE) Notarization Act; entire bill S. 3735 - Protecting Innovation in Investment Act; entire bill S. 3815 - Improving Disclosure for Investors Act; entire bill Financial Services General Government Appropriations - SEC rulemaking funding related to liquidity risk management, equity market structure, custody, and predictive data analytics. Congressional Review Act (CRA) resolution regarding the DOLs retirement security rule; entire resolution

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 1059: SECURE Notarization Act of 2023 H.R. 1165: Data Privacy Act of 2023 Issues related to retirement security Information reporting for Certain Life Insurance Contract Transactions and Modifications to the Transfer for Valuable Consideration Rules (RE-103083-18) H.R. 2882 - Further Consolidated Appropriations Act, 2024

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

Government targets: HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE, Treasury, Dept of

Issues related to remote online notarization - no specific legislation. H.R.1059 - SECURE Notarization Act of 2023 & the issue of remote online notarization. S.1212 - Securing and Enabling Commerce Using Remote and Electronic Notarization Act of 2023. Monitor issues related to Artificial Intelligence and Remote Identity-Proofing policies - no specific legislation. H.R. 8818 - The American Privacy Rights Act - entire bill.

Client expense: $100,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to remote online notarization - no specific legislation. H.R.1059 - SECURE Notarization Act of 2023 & the issue of remote online notarization. S.1212 - Securing and Enabling Commerce Using Remote and Electronic Notarization Act of 2023. Monitor issues related to Artificial Intelligence and Remote Identity-Proofing policies - no specific legislation. H.R. 8818 - The American Privacy Rights Act - entire bill.

Client expense: $100,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 1059/S. 1212 - Securing and Enabling Commerce Using Remote and Electronic Notarization Act of 2023 (SECURE Notarization Act of 2023). Monitor issues related to Artificial Intelligence and Remote Identity-Proofing policies. Issues related to consumer privacy legislation and artificial intelligence. H.R. 8818 - The American Privacy Rights Act.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to remote online notarization. General Data Privacy. H.R. 1165 - The Data Privacy Act of 2023. H.R. 1059 - Securing and Enabling Commerce Using Remote and Electronic Notarization Act of 2023 (SECURE Notarization Act of 2023).

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HR 274 To report on "all-hazards disaster insurance program" -- To require a report by the Comptroller General of the United States on a national all-hazards disaster insurance program. Issue Climate-Related Financial Risk Issue Diversity, Equity, and Inclusion Issue Cybersecurity Issue Data Privacy Issue Role of Private Equity in Insurance Issue Pre-Disaster Mitigation and Resiliency HR 5689 (117th) Resilient AMERICA Act - addresses disaster resilience issues and expands coverage for hazard mitigation. HR 482/S 188 Wildfire Emergency Act - improve Federal activities relating to wildfires HR 906 REPAIR Act - ensure consumers have access to data, repair information, and tools, and to provide them choices for the maintenance, service, and repair of their motor vehicles S 513 Insure Cybersecurity Act of 2023 - establish a working group on cyber insurance, to require dissemination HR 1165 Data Privacy Act of 2023 - amend the Gramm-Leach-Bliley Act to modernize the protection of the nonpublic personal information HR 621/S 154 PART Act - establishes requirements for motor vehicles related to catalytic converters AFT FY24 Appropriations - FY24 Appropriations HR 3799 CHOICE Arrangement Act -- statutory authority for regulations that allow employers to offer individual coverage health reimbursement arrangements DRAFTFarm Bill 2023 - Farm Bill DRAFT Homeowners Defense Act - To ensure the availability and affordability of homeowners insurance coverage for catastrophic events. HR 8152 (117th) American Data Privacy Protection Act - To provide consumers with foundational data privacy rights, create strong oversight mechanisms, and establish meaningful enforcement. HR 1059/S 1212 SECURE Notarization Act -allows a notary public commissioned under state law to remotely notarize electronic records HR 2923/S 1384 Living Donor Protection Act -- prohibits certain insurance carriers from discriminating against, and provides other protections for, living organ donors. HR 3388/S 1607 Repair Abuses of MSP Payments (RAMP) Act - amend Social Security Act to permit a private cause of action for damages in the case of a group health plan which fails to provide for primary payment or appropriate reimbursement. HR 2933 Federal Insurance Office Elimination Act -- To eliminate the Federal Insurance Office of the Department of the Treasury S 1694 Federal Insurance Office Abolishment Act of 2023 -- To eliminate the Federal Insurance Office of the Department of the Treasury HR 3880 PAID Act -- prohibit private passenger automobile insurers from using certain income proxies to determine insurance rates and eligibility. HR 15/S 5 Equality Act - prohibits discrimination based on sex, sexual orientation, or gender identity with respect to businesses, employment, housing, federally funded programs S 2061Catalytic Converter Theft Task Force Act -- task force to develop and implement strategies to deter, prevent, and combat the theft and trafficking of catalytic converters DRAFTFinancial Services and General Government Appropriation FY24 - FSGG Appropriations HR 3014 - CART Act of 2023-to amend the Internal Revenue Code of 1986 to establish a system for the taxation of catastrophic risk transfer companies to ensure sufficient capital to cover catastrophic insurance losses, and for other purposes Issue: Third Party Litigation Funding

Client expense: $700,000 · Firm income: Not reported

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of, U.S. Postal Service (USPS)

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. 1165, the Data Privacy Act introduced by HFSC Chairman McHenry. Oppose H.R. 8818, the American Privacy Rights Act, which contains a private right of action and does not include federal preemption or an exemption for GLBA. Support legislation of e-signatures, e-disclosures, and e-notarizations, including E-Sign Modernization Act. Support H.R.1059, SECURE Notarization Act. Support S. 869, the CDFI Bond Guarantee Program Improve Act. Support H.R. 3161, the CDFI Fund Transparency Act, which would require the Fund's Director to testify annually before the HFS and SB Committees. Support increased CDFI and MDI funding in President's FY 2024 Budget Proposal and House Appropriations FSSC Bill. Support H.R. 2891/S. 1323/S. 2860, the Secure and Fair Enforcement Banking SAFE Act and Secure and Fair Enforcement Regulation Banking (SAFER) Act. This bill generally prohibits a federal regulator from penalizing a financial institution for providing services to a legitimate cannabis-related business. Oppose H.R. 3881/S. 1838, the Credit Card Competition Act, a bill that would reduce interchange fees on credit cards. Support H.R. 1807, Improving Disclosure for Investors Act of 2023, to provide electronic delivery of SEC regulatory documents. Included in H.R. 2799, Expanding Access to Capital Act. Support H.R. 500, Financial Exploitation Prevention Act. H.R. 7036, Strengthening Cyber Security for the Financial Sector Act. Working to exclude the "business of insurance" from NCUA's third party vendor bill, keeping insurance regulated by the states. Support H.R. 7440, Financial Services Innovation Act, which develops regulatory pathways for facilitating responsible innovation in fintech. Support H.R. 9767, the Promoting and Advancing Communities of Color Through Inclusive Lending Act. Oppose H.R. 9303, the Protecting Consumers from Payment Scams Act, which would change EFTA's definition of an unauthorized transfer to cover fraudulently induced transactions

Client expense: $120,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

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. 1165, the Data Privacy Act introduced by HFSC Chairman McHenry. Oppose H.R. 8818, the American Privacy Rights Act, which contains a private right of action and does not include federal preemption or an exemption for GLBA.Support legislation of e-signatures, e-disclosures, and e-notarizations, including E-Sign Modernization Act. Support H.R. 1059/S. 1212, the SECURE Notarization Act. Support H.R. 2891/S. 1323/S 2860, the Secure and Fair Enforcement Banking SAFE Act and Secure and Fair Enforcement Regulation Banking (SAFER) Act. This bill generally prohibits a federal regulator from penalizing a financial institution for providing services to a legitimate cannabis-related business.

Client expense: $120,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R.1059 - SECURE Notarization Act of 2023; H.R.1165 - Data Privacy Act of 2023; Issues related to retirement security; Information Reporting of Certain Life Insurance Contract Transactions and Modifications to the Transfer for Valuable Consideration Rules (REG-103083-18).

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

While MCUL takes no position on the issue of cannabis legalization, it supports the SAFE Banking Act, H.R. 2891/S.1323 and newly introduced legislation, the SAFER Banking Act, S.2860, that would provide a safe harbor for financial institutions to serve their members needs in states where cannabis use has become legal. We are urging our congressional delegation to support S. 2860 and work with leadership to pass it. MCUL stands opposed to efforts to change the existing credit card 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.1838/H.R. 3881, the Credit Card Competition Act of 2023 and help us ensure the bill does not pass. 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 that would severely limit a financial institution's ability to offer these voluntary services to our members. MCUL supports and is calling for passage of H.R. 1059/S.1212, the SECURE Notarization Act that would establish minimum standards for electronic and remote notarization. The bill passed the U.S. House on 2/27/23 and we are urging the U.S. Senate to take it up and pass the bill. 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 monitoring actions by Congress related to recent failures of banks and communicating with Michigan congressional offices that credit unions are structured different from other financial institutions are not part of these failures, credit unions were not part of the banking problems that led to Dodd-Frank in 2010 and therefore any legislation from Congress that seeks to address the problems at the banks should not place added burdens on credit unions. MCUL is urging members of the delegation to co-sponsor S. 544, to provide a 3-year extension of CARES Act provisions related to the Central Liquidity Facility (CLF).

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Lobbied on the SECURE Notarization Act (H.R. 1059, S. 1212) to allow a notary public commissioned under state law to remotely notarize electronic records and for states to recognize 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.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to remote online notarization - no specific legislation. H.R.1059 - SECURE Notarization Act of 2023 & the issue of remote online notarization. S.1212 - Securing and Enabling Commerce Using Remote and Electronic Notarization Act of 2023. Monitor issues related to Artificial Intelligence and Remote Identity-Proofing policies - no specific legislation.

Client expense: $100,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE