NFIP Extension Act of 2026

H.R. 471 - Fix Our Forests Act H.R. 501 - Promoting Resilient Buildings Act of 2025 H.R. 550 - Wildfire Insurance Coverage Study Act of 2025 H.R. 827 - Homeowners Defense Act of 2025 H.R. 1923 - Modernizing Wildfire Safety and Prevention Act of 2025 H.R. 2123 - NFIP Extension Act of 2025 H.R. 2822 - To extend the National Flood Insurance Program through December 31, 2026. H.R. 4669 - FEMA Act of 2025 H.R. 5079 - Widespread Information Management for the Welfare of Infrastructure and Government Act H.R. 5484 - National Flood Insurance Program Reauthorization and Reform Act of 2025 H.R. 5574 - To extend the National Flood Insurance Program through November 21, 2025. H.R. 5577 - NFIP Extension Act of 2026 H.R. 5608 - To ensure that Write Your Own companies can sell private flood insurance products that compete with National Flood Insurance Program products. H.R. 5794 - FEMA Operations Continuity Act of 2025 H.R. 5848 - NFIP Retroactive Renewal and Reauthorization Act H.R. 6560 - To amend the National Flood Insurance Act of 1968 to provide for the automatic contingent extension of the National Flood Insurance Program, and for other purposes. H.R. 6620 - To amend the National Flood Insurance Act of 1968 to allow for the consideration of private flood insurance for the purposes of applying continuous coverage requirements, and for other purposes. H.R. 9056 - Community Flood Resilience Act H.R. 9760 - National Coordination on Adaptation and Resilience for Security Act of 2026 H.R. ___ - To amend the National Flood Insurance Act of 1968 to prohibit flood insurance coverage for severe repetitive loss properties. S. 120 - Disaster Housing Reform for American Families Act S. 824 - NFIP Extension Act of 2025 S. 1015 - A bill to extend the National Flood Insurance Program through December 31, 2026. S. 1337 - Cybersecurity Information Sharing Extension Act S. 1462 - Fix Our Forests Act S. 1545 - Repeatedly Flooded Communities Preparation Act S. 2053 - A bill to ensure that Write Your Own companies can sell private flood insurance products that compete with National Flood Insurance Program products. S. 2054 - Flood Insurance Consumer Choice Act of 2025 S. 2931 - NFIP Extension Act S. 2946 - NFIP Extension Act S. 3151 - National Flood Insurance Program Automatic Extension Act of 2025 S. 5035 - National Coordination on Resilience for Security Act of 2026 Community-based catastrophe insurance Disaster mitigation legislation National Flood Insurance Program reauthorization, reform, debt cancellation, risk sharing, and reinsurance legislation

Client expense: $430,000 · Firm income: Not reported

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

NFIP Reauthorization (generally); HR.2123/S.824 - NFIP Extension Act of 2025; HR.643 - Federal Insurance Office Elimination Act; FHFA Property Insurance Requirements; S.1545 - Repeatedly Flooded Communities Preparation Act; HR.3437/S.1544 - Insurance Data Protection Act; HR.4494/S.2313 - The Flood Insurance Relief Act; HR.4735/S.2419 - Business of Insurance Regulatory Reform Act; HR.5577 - NFIP Extension Act of 2026; HR.6620 - To amend the National Flood Insurance Act of 1958 with continuous coverage requirements; HR.7130 - The McCarran-Ferguson Restoration Act; HR.7128 - The TRIA Program Reauthorization Act of 2026; S.4395 - Terrorism Risk Insurance Program Reauthorization Act of 2026; S.5106 - Wildfire Insurance Affordability Act

Client expense: $210,000 · Firm income: Not reported

Government targets: Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, SENATE

Protect the credit union tax exemption Support legislation and regulation that advance credit unions and their over 146 million members Support regulatory relief for credit unions Support holistic evaluation of regulatory burden on credit unions Support modification of credit union loan maturity limits Support credit union field of membership expansion and modernization Support regulator- and bank-approved credit union-bank mergers Support financial inclusion and increased access to financial services Support modifying the credit union member business lending cap Support NCUAs existence as an independent regulator and insurer of credit unions Support assistance for minority depository institution credit unions Support regulatory relief for de novo credit unions Support harmonization of federal cyber incident notification standards Oppose Community Reinvestment Act requirements for credit unions Oppose legislative action to restrict credit union overdraft and courtesy pay programs Support regulatory framework for artificial intelligence that allows responsible innovation and recognizes credit unions compliance with existing regulations Support allowing use of artificial intelligence for regulatory reporting purposes Support mandatory arbitration agreements Oppose national interest rate cap Oppose national credit card interest rate cap Support expanded natural person and corporate credit union investment authority Support expanded credit union examination cycle Support increased examination transparency Support regulatory policies to promote innovation and access to credit Support Central Liquidity Facility and Community Development Revolving Loan Fund enhancements Oppose NCUA examination of credit union vendors Oppose National Credit Union Share Insurance Fund structural changes or premium assessment Support parity in deposit insurance coverage levels between credit unions and banks Oppose additional Call Report fields on loans to credit union officials and senior executive staff Oppose additional Call Report fields on maturity distribution of uninsured shares Oppose NCUA Call Report collection of overdraft and NSF fee revenue data Support modernization and simplification of Call Report form and instructions Oppose collection of vendor information in NCUA Credit Union Profile Oppose changes to NCUA collection forms outside rulemaking process Support NCUA review of normal operating level and methodology Oppose NCUA rule on succession planning Oppose excessive NCUA requirements for supervisory committee audits Support NCUA action to reduce scope of supervisory committee examination Support NCUA recognition of digital banking in service facility definition Support clarification of NCUA member expulsion regulations Support NCUA proposed rule on increasing overdraft flexibility Support NCUA recognition of government sponsored enterprises as government agencies for loan maturity limit purposes Support NCUA adoption of floating interest rate cap Support modification of NCUA commercial loan definition Support increased flexibility in NCUA occupancy requirements Support NCUA action to clarify loan participation limits Support NCUA modification of low-income designation process Support expanding NCUA qualified charity definition Support allowing greater weighted average life for corporate credit unions financial assets Support extension of maturity limit for corporate credit union borrowing Support increased flexibility for advertising and notice of insured status Support increased compliance timeline for NCUA simplification of share insurance rule Support balanced implementation of debanking executive order Support increased NCUA efforts to promote credit union industry Support modernization and streamlining of NCUA operations Support NCUA supervisory flexibility for credit union shutdown assistance efforts Support NCUA and FFIEC action to modernize CAMELS rating system Support modernization of NCUA fidelity bond review requirements Support increased threshold for Depository Institution Management Interlocks Act major assets prohibition Support clarification of Federal Credit Union Act preemption of state interchange laws Support making CFPB subject to regular appropriations process Support increased CFPB budget transparency Support restructuring CFPB leadership to a bipartisan commission Support creation of a CFPB Inspector General Support reforms to CFPB Civil Investigative Demand process Support increasing and indexing asset thresholds for CFPB supervision of credit unions Support clarification of CFPB unfair, deceptive, or abusive acts and practices authority Support CFPB use of Section 1022 authority to exempt credit unions from certain regulations Support CFPB oversight and monitoring of nonbank entities Oppose CFPB efforts to avoid requirements of the rulemaking process Support CFPB use and disclosure of relevant data in rulemakings Support CFPB use of cost-benefit analysis in rulemaking process Support CFPB coordination with NCUA on policy matters and examination scheduling Oppose mislabeling financial services fees as junk fees Oppose arbitrary limits on credit union fee income Oppose CFPB efforts to restrict information in credit reports Support CFPB engaging in ongoing retrospective review of past regulations Support CFPB consumer complaint database reforms Support CFPB no-action letter program with extended timeline and increased protection of sensitive strategic information Oppose expansion of consumer report and consumer reporting agency definitions under the Fair Credit Reporting Act/Regulation V Support consumer protection regulations for buy-now-pay-later loan providers Support inclusion of buy-now-pay-later loans in FHA underwriting Support CFPB use of Civil Penalty Fund for consumer financial education Support increase of Home Mortgage Disclosure Act reporting thresholds Support reforms to increase flexibility for TILA-RESPA Integrated Disclosure requirements Support inclusion of eligibility language for VA loans in FHA Informed Consumer Choice Disclosure Notice Support credit union access to universal service fund letters of credit program Support federal data privacy and security standard that exempts Gramm-Leach-Bliley Act covered institutions, preempts state laws, operates on an opt-out basis, recognizes the complexity of data deletion, and does not authorize private right of action Support increased transparency for fintech bank charter applications Support Treasury development of model forms and qualified vehicle list for auto loan interest deduction Support safe harbor for credit unions related to the auto loan interest deduction Support clarification of remittance transfer tax exemptions Support inclusion of credit unions in Trump Accounts program Oppose development of a central bank digital currency Support credit union access to Federal Reserve liquidity options Support gradual expansion of Fedwire and National Settlement Service operating hours with optional participation Oppose addition of fourth same-day ACH window Support expanded flexibility for accessing the Fed discount window and intraday credit Oppose expanded eligibility for Federal Reserve master account access Oppose Regulation II debit interchange fee cap Oppose Federal Reserve proposed rule on modifying Regulation II debit interchange cap Support improvements to the Federal Reserves Debit Card Issuer Survey Oppose legislative action to impose caps or restrictions on debit or credit interchange fees Oppose legislative action to prohibit the Federal Reserve from paying interest on reserves Support Federal Reserve action to coordinate regulatory guidance on penny circulation issues and management of penny supply Support continued offering of Federal Reserve check services Oppose expansion of Electronic Fund Transfer Act/Regulation E financial institution liability Support fair distribution of Electronic Fund Transfer Act/Regulation E error resolution responsibilities Support clarification of funds definition under Electronic Fund Transfer Act/Regulation E Support clarification of Electronic Fund Transfer Act/Regulation E treatment of digital assets Support increased flexibility for check holds and funds availability requirements Support transition to electronic payments for government payments Support clarification of Section 314(b) information sharing safe harbor for identifying and preventing payments fraud and additional flexibility for annual renewal requirement Support greater flexibility for credit unions to decline services with clear indicia of fraud or elder abuse Support parity for credit union provision of digital asset services and related regulations Prevent competitive disadvantages for credit unions and market distortions related to the integration of digital assets into traditional financial products Support Treasury and NCUA action to implement regulatory framework for stablecoin issuance Support NCUAs role as primary regulator of credit unions stablecoin activities Oppose treating stablecoins or digital assets as federally insured Oppose payment of interest, yield, or rewards on stablecoin holdings Support digital assets guardrails to prevent deposit outflows Support clarifying credit unions authority to provide custodial services for their members Support safeguards for rehypothecation of digital assets Support reduced government-sponsored enterprises costs for credit union mortgages Support secondary mortgage market access for credit unions Support continued role for FHFA as an independent regulator Support credit union access to Federal Home Loan Bank system Support expansion of Federal Home Loan Bank Act community financial institution definition Support Federal Home Loan Bank engagement with credit unions Oppose adoption of volume-based incentives for Federal Home Loan Banks Support Federal Home Loan Bank allocations to the Affordable Housing Program Support FinCEN implementation of the Corporate Transparency Act Support risk-based approach to anti-money laundering/countering financing of terrorism program requirements Support increasing Currency Transaction Report and Suspicious Activity Report filing thresholds Support streamlining Currency Transaction Report and Suspicious Activity Report forms Support increased inclusion of identifiable information in Section 314(a) information requests Support consistency between NCUA and FinCEN requirements on Bank Secrecy Act compliance Support FinCEN survey to accurately measure Bank Secrecy Act compliance costs Support DOD clarification of Military Lending Act and Servicemembers Civil Relief Act requirements Support standardized disclosures and financial literacy briefings for servicemembers Support credit union access to nominal leases on military installations Oppose nominal leases for banks on military installations Oppose legislative action on the Overseas Military Banking Program Oppose inclusion of interchange, interest rate cap, or fraud liability amendments in the National Defense Authorization Act Support inclusion of currency transaction report/suspicious activity report thresholds and veterans member business lending amendments in the National Defense Authorization Act Support federal share insurance for all credit unions acting as fiscal agents of the U.S. government Support role of Community Development Financial Institutions Fund in promoting economic growth and access to capital in underserved communities Support access to Community Development Financial Institutions Fund awards and technical assistance for credit unions Support Community Development Financial Institutions Fund bond guarantee program Support Community Development Financial Institutions Fund liquidity enhancement pilot program Support disbursement of all Community Development Financial Institution Fund appropriated award funding without additional barriers Support timely completion of Emergency Capital Investment Program disposition agreements Oppose reclassification of credit header information as a consumer report Oppose reliance on single source of documentation to determine instances of identity theft or coerced debt Oppose use of interim final rule to modify personal financial data rights requirements Support modification of Section 1033 rule to allow data providers to charge fees, remove prescriptive technology standards, and establish data privacy standards and allocation of liability Support modernization of e-signature requirements Support allowing electronic or documented oral credit card applications Support increased flexibility for disclosures Support rescission of CFPB payday lending rule payment provisions Support modification of FCC revocation of consent rule Support greater flexibility for FCC fraud alert exemption Support FCC efforts to combat illegal robocalls and robotexts Support uniform federal standards and increased federal preemption of state laws on interchange, data privacy, artificial intelligence, and elder financial abuse reporting Support federal safe harbor for provision of financial services to marijuana-related businesses that comply with state laws Issues related to housing finance reform Issues related to flood insurance Issues related to privately insured credit unions Issues related to credit union capital requirements Issues related to credit union conversions Issues related to credit unions as employers Issues related to the Foreign Account Tax Compliance Act Issues related to fair lending Issues related to the Telephone Consumer Protection Act Support nomination of John Crews as a member of the NCUA Board Support Credit Union Board Modernization Act (H.R. 975; S. 522) Support 1071 Repeal to Protect Small Business Lending Act (H.R. 976; S. 557) Support Making the CFPB Accountable to Small Businesses Act (H.R. 1606) Support Financial Integrity and Regulation Management Act (S. 875; H.R. 2702; Senate Amendment 3104) Support Fair Audits and Inspections for Regulators Exams Act (H.R. 940; S. 5335) Support Small LENDER Act (H.R. 941) Support Anti-CBDC Surveillance State Act (H.R. 1919; S. 1124) Support Veterans Member Business Loan Act (H.R. 507; S. 110; Senate Amendment 3776) Support Taking Account of Bureaucrats Spending Act (H.R. 654) Support Rectifying UDAAP Act (H.R. 1652) Support Civil Investigative Demand Reform Act (H.R. 1653) Support SECURE Notarization Act (H.R. 1777; S. 1561) Support Increasing Credit Union Lending for Business Growth Act (H.R. 1791) Support Financial Reporting Threshold Modernization Act (H.R. 1799; Amendment 715 to H.R. 3838) Support Home of Your Own Act (H.R. 2064) Support Homes for Every Local Protector, Educator, and Responder Act (H.R. 2094; S. 978) Support CFPB Dual Mandate and Economic Analysis Act (H.R. 2183) Support Transparency in CFPB Cost-Benefit Analysis Act (H.R. 2331) Support CFPB-IG Reform Act (H.R. 2513) Support Financial Institution Regulatory Tailoring Enhancement Act (H.R. 3230) Support Halting Uncertain Methods and Practices in Supervision Act (H.R. 3379) Support Taking Account of Institutions with Low Operation Risk Act (H.R. 3380) Support Bureau of Consumer Financial Protection Commission Act (H.R. 3445) Support Advancing the Mentor-Protege Program for Small Financial Institutions Act (H.R. 3709) Support Expanding Access to Lending Options Act (H.R. 4167; S. 3616) Support CDFI Bond Guarantee Program Improvement Act (S. 1880) Support Taskforce for Recognizing and Averting Payment Scams Act (H.R. 4936; S. 2019; Senate Amendment 3257) Support Capping Excessive Awarding of SBLC Entrants Act (H.R. 2987) Support Supervisory Modifications for Appropriate Risk-Based Testing Act (H.R. 4437) Support Stop Agency Fiat Enforcement Act (H.R. 4460) Support American Access to Banking Act (H.R. 4544) Support Protecting Access to Credit for Small Businesses Act (S. 2486) Support Business of Insurance Regulatory Reform Act (H.R. 4735; S. 2419) Support NCUA Central Liquidity Facility Enhancement Act (S. 2545, S. 3575; Senate Amendments 3722, 3834, 4384, 5882, 6180) Support CDFI Fund Transparency Act (S. 2704; Senate Amendments 3640, 3732; H.R. 7775) Support Supporting Upgraded Property Projects and Lending for Yards Act (H.R. 4568) Support Unleashing AI Innovation in Financial Services Act (H.R. 4801) Support AI Practices, Logistics, Actions, and Necessities Act (H.R. 2152) Support Streamlining Transaction Reporting and Ensuring Anti-Money Laundering Improvements for a New Era Act (S. 3017; Senate Amendment 6241) Support NFIP Continuation Act (H.R. 5577) Support 21st Century ROAD to Housing Act (H.R. 6644) Support Regulatory Efficiency, Verification, Itemization, and Enhanced Workflow Act (H.R. 6544) Support Community Bank Regulatory Tailoring Act (H.R. 7056) Support Close the Shadow Banking Loophole Act (S. 3734) Support American Lending Fairness Act (S. 3889; H.R. 7866) Support Community Bank Relief Act (S. 3849; H.R. 7484) Support Access to Fair Financing for Opportunity and Resilient Development Act (Senate Amendments 4354, 4394, 6101; S. 3940) Support Main Street Depositor Protection Act (S. 4198; Senate Amendment 6396) Support Growing Deposit Insurance for the Future Act (H.R. 8088) Support ESCRA Act (H.R. 306) Support Credit Access and Inclusion Act (H.R. 5402; S. 1465) Support FCRA Liability Harmonization Act (H.R. 5775) Support Guarding Unprotected Aging Retirees from Deception Act (H.R. 2978; S. 2544; Senate Amendment 6471) Support MORE Opportunities for Homeownership Act (H.R. 7647) Support Eliminating Fraud in the CFPBs Complaint Database Act (H.R. 7588) Support Fair Credit Reporting Reseller Accuracy Act (H.R. 8141) Support Bank Fraud Technology Advancement Act (H.R. 8671) Support STOP Payments Fraud Act (H.R. 9331) Support emergency transaction account guarantee legislation (H.R. 8075) Support Credit Union Investment Authority Act (H.R. 10082) Support CFPB Reform Act (H.R. 10184) Support inclusion of guidance on penny circulation and rounding in Common Cents Act (H.R. 3074, H.R. 10167; S. 1525) Support parity for credit unions and prohibition on stablecoin yield in Digital Asset Market Clarity Act (H.R. 3633) Support inclusion of additional credit union provisions in Main Street Capital Access Act (H.R. 6955) Oppose Repealing Big Brother Overreach Act (H.R. 425; S. 100) Oppose 10 Percent Credit Card Interest Rate Cap Act (H.R. 1944; S. 381; Senate Amendment 2239) Oppose Credit Card Competition Act (Senate Amendments 2229, 2230, 2345, 4305; S. 3623; H.R. 7035) Oppose commissary interchange fee study (Senate Amendment 3216) Oppose commissary coupon pilot program (Senate Amendments 5942, 6034) Oppose End the Feds Big Bank Bailout Act (S. 2113; Senate Amendment 3761) Oppose Credit Card Fairness Act (S. 3660) Oppose Strengthening Oversight for the Financial Sector Act (H.R. 10230) Oppose S.J.Res. 130, on CFPB overdraft circular Oppose S.J.Res. 132, on CFPB examinations for risks to servicemembers Oppose S.J.Res. 141, on deceptive collection of medical debt

Client expense: $1,060,000 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), Defense, Dept of (DOD), Executive Office of the President (EOP), Federal Communications Commission (FCC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Financial Crimes Enforcement Network (FinCEN), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Justice, Dept of (DOJ), Natl Credit Union Administration (NCUA), Natl Economic Council (NEC), Office of Management & Budget (OMB), SENATE, Small Business Administration (SBA), Treasury, Dept of

H.R. 471 - Fix Our Forests Act H.R. 501 - Promoting Resilient Buildings Act of 2025 H.R. 550 - Wildfire Insurance Coverage Study Act of 2025 H.R. 827 - Homeowners Defense Act of 2025 H.R. 1923 - Modernizing Wildfire Safety and Prevention Act of 2025 H.R. 2123 - NFIP Extension Act of 2025 H.R. 2822 - To extend the National Flood Insurance Program through December 31, 2026. H.R. 4669 - FEMA Act of 2025 H.R. 5079 - Widespread Information Management for the Welfare of Infrastructure and Government Act H.R. 5484 - National Flood Insurance Program Reauthorization and Reform Act of 2025 H.R. 5574 - To extend the National Flood Insurance Program through November 21, 2025. H.R. 5577 - NFIP Extension Act of 2026 H.R. 5608 - To ensure that Write Your Own companies can sell private flood insurance products that compete with National Flood Insurance Program products. H.R. 5794 - FEMA Operations Continuity Act of 2025 H.R. 5848 - NFIP Retroactive Renewal and Reauthorization Act H.R. 6560 - To amend the National Flood Insurance Act of 1968 to provide for the automatic contingent extension of the National Flood Insurance Program, and for other purposes. H.R. 6620 - To amend the National Flood Insurance Act of 1968 to allow for the consideration of private flood insurance for the purposes of applying continuous coverage requirements, and for other purposes. H.R. ___ - To amend the National Flood Insurance Act of 1968 to prohibit flood insurance coverage for severe repetitive loss properties. S. 120 - Disaster Housing Reform for American Families Act S. 824 - NFIP Extension Act of 2025 S. 1015 - A bill to extend the National Flood Insurance Program through December 31, 2026. S. 1337 - Cybersecurity Information Sharing Extension Act S. 1462 - Fix Our Forests Act S. 1545 - Repeatedly Flooded Communities Preparation Act S. 2053 - A bill to ensure that Write Your Own companies can sell private flood insurance products that compete with National Flood Insurance Program products. S. 2054 - Flood Insurance Consumer Choice Act of 2025 S. 2931 - NFIP Extension Act S. 2946 - NFIP Extension Act S. 3151 - National Flood Insurance Program Automatic Extension Act of 2025 Disaster mitigation legislation National Flood Insurance Program reauthorization, reform, debt cancellation, risk sharing, and reinsurance legislation

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

Government targets: Federal Emergency Management Agency (FEMA), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), SENATE

**Issues lobbied without specific bill number: Crop Insurance and Wildfire **Issues lobbied without specific bill number: National Flood Insurance Program **Issues lobbied without specific bill number: Implementation of Risk-Rating 2.0 **Issues lobbied without specific bill number: SAFE Banking Act **Issues lobbied without specific bill number: Business of Insurance **Issues lobbied without specific bill number: Credit-based Insurance Underwriting **Issues lobbied without specific bill number: FAA Reauthorization **Issues lobbied without specific bill number: Farm Bill Reauthorization **Issues lobbied without specific bill number: Cyber Insurance **Issues lobbied without specific bill number: CFPB Insurance Exclusion **Issues lobbied without specific bill number: Diversity, Equity, and Inclusion **Issues lobbied without specific bill number: Insurance Requirements for GSE Loans H.R. 550 GAO Study Regarding Insurance Coverage for Damages from Wildfire H.R. 1164 Insurance Claims During Disasters H.R. 1593 Disaster Insurance S. 824 The National Flood Insurance Program H.R. 643 Federal Insurance Office Elimination H.R. 2822 National Flood Insurance Program H.R. 3161 Flood Insurance H.R. 3437 Insurer Data Collection H.R. 3973 Federal Insurance Policy S. 1544 Data Access and Privacy S. 2052 Flood Insurance Issues S. 2053 Flood Insurance Issues S. 2054 Flood Insurance Issues **Issues lobbied without specific bill number: Terrorism Risk Insurance Program H.R. 4365 Federal Insurance Mandates H.R. 4416 Weather and Disaster Mitigation H.R. 4494 Flood Insurance H.R. 4801 Artificial Intelligence H.R. 4861 Flood Mitigation H.R. 5484 Flood Insurance H.R. 5500 Flood Insurance H.R. 5504 Flood Insurance H.R. 5574 Flood Insurance H.R. 5577 Flood Insurance H.R. 5607 Flood Insurance H.R. 5608 Flood Insurance H.R. 5633 Crop Insurance S. 2266 Federal Insurance Mandates S. 2313 Flood Insurance S. 2528 Artificial Intelligence S. 2538 Flood Mitigation S. 2931 Flood Insurance S. 2946 Flood Insurance H.R. 5961 Flood Insurance H.R. 6025 Housing/Insurance H.R. 6256 Disaster Planning/Emergencies/Insurance H.R. 6934 Disaster Planning/Emergencies/Insurance S. Res. 554 Insurance Cost Drivers H.R. 7130 Federal Insurance Office H.R. 7567 Crop Insurance S. 3843 Federal Crop Insurance S. 4215 Federal Crop Insurance H.R. 8218 Liability Insurance H.R. 8800 Terrorism Risk Insurance H.R. 9056 Flood Insurance S. 4395 Terrorism Risk Insurance S. 4502 Crop Insurance S. 4651 Crop Insurance

Client expense: $2,140,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), SENATE, Treasury, Dept of

NFIP Automatic Extension Act of 2025 NFIP Premium Transparency Act H.R. 5577 NFIP Extension Act of 2026 H.R. 7128 TRIA Program Reauthorization Act of 2025 H.R. 3437 Insurance Data Protection Act S. 1015A bill to extend NFIP through Dec. 31, 2026 S. 1545Repeatedly Flooded Communities Protection Act S. 1564Floodplain Enhancement and Recovery Act S. 2052Flood Insurance Transparency Act of 2025 S. 2054Flood Insurance Consumer Choice Act S. 2931NFIP Extension Act of 2025 S. 2946A bill to reauthorize the NFIP S. 824NFIP Extension Act of 2025 S. 4784National Defense Authorization Act FY2027 S. 4395Terrorism Risk Insurance Program Reauthorization Act S. 1544Insurance Data Protection Act S. 2349INSURE Act

Client expense: $1,220,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R.292 - To amend the Federal Crop Insurance Act to require the Federal Crop Insurance Corporation to carry out research and development regarding a policy to insure table, wine, and juice grapes against losses due to a freeze event, and for other purposes. H.R.550 - To require the Government Accountability Office to conduct a study regarding insurance coverage for damages from wildfires, and for other purposes. H.R.643 - To eliminate the Federal Insurance Office of the Department of the Treasury, and for other purposes. H.R.827 - To ensure the availability and affordability of homeowners' insurance coverage for catastrophic events. H.R.1481 - 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. H.R.2123 - To amend the National Flood Insurance Act of 1968 to reauthorize the National Flood Insurance Program. S.586 - A bill to amend the Internal Revenue Code of 1986 to provide an advance refundable credit to offset certain flood insurance premiums, and for other purposes. S.824 - A bill to reauthorize the National Flood Insurance Program. H.R.2547 - To amend the Internal Revenue Code of 1986 to exclude debt held by certain insurance companies from capital assets and to extend capital loss carryovers for such companies from 5 years to 10 years. H.R.2567 - To amend the Internal Revenue Code of 1986 to provide special rules for purposes of determining if financial guaranty insurance companies are qualifying insurance corporations under the passive foreign investment company rules. H.R.2822 - To extend the National Flood Insurance Program through December 31, 2026. H.R.3437 - To prohibit the Federal Insurance Office of the Department of the Treasury and other financial regulators from collecting data directly from an insurance company. H.R.3664 - To prohibit private passenger automobile insurers from using certain income proxies to determine insurance rates and eligibility. H.R.3800 - To amend the National Flood Insurance Act of 1968 to prohibit the deferral of the issuance of letters of map revision based on the placement of fill or conditional letters of map revision based on the placement of fill, and for other purposes. H.R.2774 - To amend section 5 of the Flood Control Act of 1941 to impose a deadline for initiating the repair or restoration of project under such section, and for other purposes. H.R.3300 - To amend the Federal Water Pollution Control Act to clarify that a permit is not required under the National Pollutant Discharge Elimination System for a discharge resulting from the aerial application of certain products used for fire control and suppression, and for other purposes. S.1271 - A bill to amend the Federal Agriculture Improvement and Reform Act of 1996 with respect to transitioning producers from the noninsured crop assistance program to the whole farm revenue insurance plan. S.2053 - A bill to ensure that Write Your Own companies can sell private flood insurance products that compete with National Flood Insurance Program products. S.2054 - A bill to allow National Flood Insurance Program policyholders who leave the program to purchase a private insurance flood policy to return to the National Flood Insurance Program without penalty, and for other purposes. S.1437 - A bill to require the Administrator of the National Aeronautics and Space Administration to establish a program to identify, evaluate, acquire, and disseminate commercial Earth remote sensing data and imagery in order to satisfy the scientific, operational, and educational requirements of the Administration, and for other purposes. H.R.5574 - To extend the National Flood Insurance Program through November 21, 2025. H.R.5577 - NFIP Extension Act of 2026 H.R.5607 - Flood Insurance Transparency Act of 2025 H.R.5608 - To ensure that Write Your Own companies can sell private flood insurance products that compete with National Flood Insurance Program products. H.R.5500 - To make administrative reforms to the National Flood Insurance Program to increase fairness and accuracy and protect the taxpayer from program fraud and abuse, and for other purposes. H.R.5503 - To require the Federal Emergency Management Agency to establish a Territorial Disaster Recovery Program to continuously identify, monitor, and address factors and capability gaps that hinder the execution and completion of recovery activities relating to major disasters by eligible entities located in the territories of the United States. H.R.5504 - To amend the Internal Revenue Code of 1986 to allow for a credit against tax for certain flood insurance expenses. H.R.5229 - To provide for improvements to National Flood Insurance Program rate maps, and for other purposes. H.R.4735 - Business of Insurance Regulatory Reform Act of 2025 H.R.4504 - To require the Secretary of the Treasury to establish a catastrophic property loss reinsurance program, and for other purposes. S.2931 - A bill to reauthorize the National Flood Insurance Program. S.2946 - A bill to reauthorize the National Flood Insurance Program. S.2349 - A bill to require the Secretary of the Treasury to establish a catastrophic property loss reinsurance program, and for other purposes. S.2419 - Business of Insurance Regulatory Reform Act of 2025 H.R.5697 - To adjust the effective date of any adjustment based on Consumer Price Index to rail passenger liability cap that occurs during calendar year 2026. H.R.5848 - NFIP Retroactive Renewal and Reauthorization Act H.R.5961 - To increase the availability of flood insurance for agricultural structures, and for other purposes. H.R.5990 - To require the Secretary of Housing and Urban Development to establish a pilot program to provide grants to implementing organizations to administer a whole-home repairs program for eligible homeowners and eligible landlords, and for other purposes. H.R.6086 - To provide for funding from the Aviation Insurance Revolving Fund to continue certain Federal Aviation Administration activities in the event of a Government shutdown, and for other purposes. H.R.6155 - Federal Carjacking Enforcement Act H.R.6256 - To amend the Homeowner Flood Insurance Affordability Act of 2014 to address ecosystem restoration projects, and for other purposes. H.R.6274 - To establish a Natural Disaster Risk Reinsurance Program, and for other purposes. H.R.6560 - To amend the National Flood Insurance Act of 1968 to provide for the automatic contingent extension of the National Flood Insurance Program, and for other purposes. H.R.6620 - To amend the National Flood Insurance Act of 1968 to allow for the consideration of private flood insurance for the purposes of applying continuous coverage requirements, and for other purposes. H.R.7130 - McCarran-Ferguson Restoration Act H.R.7246 - To establish the Climate Financial Risk Committee and Climate Financial Risk Advisory Committee on the Financial Stability Oversight Council. H.R.7355 - To provide for the disclosure and sharing of certain policy and claims information under the National Flood Insurance Program, and for other purposes. H.R.7462 - To amend the Federal Crop Insurance Act to direct the Secretary of Agriculture to use certain data sets when determining eligibility related to indemnity payments under the Hurricane Insurance Protection-Wind Index endorsement, and for other purposes. H.R.7862 - To amend the National Flood Insurance Act of 1968 to limit the application of the Endangered Species Act with respect to certain actions under the national flood insurance program, and for other purposes. S.3711 - A bill to establish the Climate Financial Risk Committee and Climate Financial Risk Advisory Committee on the Financial Stability Oversight Council. S.3843 - A bill to amend the Federal Crop Insurance Act to direct the Federal Crop Insurance Corporation to conduct research and development on frost or cold weather insurance, and for other purposes. S.4088 - A bill to amend the Federal Crop Insurance Act to improve education and risk management assistance, and for other purposes. S.4215 - A bill to amend the Federal Crop Insurance Act to reduce Federal spending on crop insurance, and for other purposes. H.R.8218 - Fair Compensation for Truck Crash Victims Act H.R.8843 - Federal Accountability for Felony Obstruction Act S.4395/H.R 7128 - Terrorism Risk Insurance Program Reauthorization Act of 2026 S.4651 - Increasing Insurance Access for Specialty Crops Act

Client expense: $540,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

NFIP Reauthorization (generally); HR.2123/S.824 - NFIP Extension Act of 2025; HR.643 - Federal Insurance Office Elimination Act; FHFA Property Insurance Requirements; S.1545 - Repeatedly Flooded Communities Preparation Act; HR.3437/S.1544 - Insurance Data Protection Act; HR.4494/S.2313 - The Flood Insurance Relief Act; HR.4735/S.2419 - Business of Insurance Regulatory Reform Act; HR.5577 - NFIP Extension Act of 2026; HR.6620 - To amend the National Flood Insurance Act of 1958 with continuous coverage requirements; HR.7130 - The McCarran-Ferguson Restoration Act; HR.7128 - The TRIA Program Reauthorization Act of 2026; S.4395 - Terrorism Risk Insurance Program Reauthorization Act of 2026

Client expense: $280,000 · Firm income: Not reported

Government targets: Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, SENATE

S.128, Primary Care Enhancement Act H.R.5688, the Bipartisan HSA Improvement Act of 2023 H.R. 548, HSA Modernization Act CARES Act provision reinstating the HDHP-HSA telehealth safe harbor National Flood Insurance Program H.R.5535, Insurance Data Protection Act Terrorism Risk Insurance Act Reauthorization H.R. 5577, the NFIP Extension Act of 2026 Legislation to expand access to Health Savings Accounts H.R. 7128, the TRIA Program Reauthorization Act of 2026

Client expense: $3,510,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Federal regulation of homeowners insurance; Flood insurance, H.R.5577, NFIP Extension Act of 2026; Wildfire prevention, response, and resiliency; Extreme weather and flood mitigation and resiliency; H.R.471, Fix Our Forests Act; HR.7128/S.4395, TRIA Program Reauthorization Act of 2026.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 471 - Fix Our Forests Act H.R. 501 - Promoting Resilient Buildings Act of 2025 H.R. 550 - Wildfire Insurance Coverage Study Act of 2025 H.R. 827 - Homeowners Defense Act of 2025 H.R. 1923 - Modernizing Wildfire Safety and Prevention Act of 2025 H.R. 2123 - NFIP Extension Act of 2025 H.R. 2822 - To extend the National Flood Insurance Program through December 31, 2026. H.R. 4669 - FEMA Act of 2025 H.R. 5079 - Widespread Information Management for the Welfare of Infrastructure and Government Act H.R. 5484 - National Flood Insurance Program Reauthorization and Reform Act of 2025 H.R. 5574 - To extend the National Flood Insurance Program through November 21, 2025. H.R. 5577 - NFIP Extension Act of 2026 H.R. 5608 - To ensure that Write Your Own companies can sell private flood insurance products that compete with National Flood Insurance Program products. H.R. 5794 - FEMA Operations Continuity Act of 2025 H.R. 5848 - NFIP Retroactive Renewal and Reauthorization Act H.R. 6560 - To amend the National Flood Insurance Act of 1968 to provide for the automatic contingent extension of the National Flood Insurance Program, and for other purposes. H.R. 6620 - To amend the National Flood Insurance Act of 1968 to allow for the consideration of private flood insurance for the purposes of applying continuous coverage requirements, and for other purposes. H.R. ___ - To amend the National Flood Insurance Act of 1968 to prohibit flood insurance coverage for severe repetitive loss properties. S. 120 - Disaster Housing Reform for American Families Act S. 824 - NFIP Extension Act of 2025 S. 1015 - A bill to extend the National Flood Insurance Program through December 31, 2026. S. 1337 - Cybersecurity Information Sharing Extension Act S. 1462 - Fix Our Forests Act S. 1545 - Repeatedly Flooded Communities Preparation Act S. 2053 - A bill to ensure that Write Your Own companies can sell private flood insurance products that compete with National Flood Insurance Program products. S. 2054 - Flood Insurance Consumer Choice Act of 2025 S. 2931 - NFIP Extension Act S. 2946 - NFIP Extension Act S. 3151 - National Flood Insurance Program Automatic Extension Act of 2025 Disaster mitigation legislation National Flood Insurance Program reauthorization, reform, debt cancellation, risk sharing, and reinsurance legislation

Client expense: $340,000 · Firm income: Not reported

Government targets: Federal Emergency Management Agency (FEMA), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), SENATE

Protect the credit union tax exemption Support legislation and regulation that advance credit unions and their over 146 million members Support regulatory relief for credit unions Support holistic evaluation of regulatory burden on credit unions Support modification of credit union loan maturity limits Support credit union field of membership expansion and modernization Support regulator- and bank-approved credit union-bank mergers Support financial inclusion and increased access to financial services Support modifying the credit union member business lending cap Support NCUAs existence as an independent regulator and insurer of credit unions Support assistance for minority depository institution credit unions Support regulatory relief for de novo credit unions Support harmonization of federal cyber incident notification standards Oppose Community Reinvestment Act requirements for credit unions Oppose legislative action to restrict credit union overdraft and courtesy pay programs Support regulatory framework for artificial intelligence that allows responsible innovation and recognizes credit unions compliance with existing regulations Support allowing use of artificial intelligence for regulatory reporting purposes Support mandatory arbitration agreements Oppose national interest rate cap Oppose national credit card interest rate cap Support expanded natural person and corporate credit union investment authority Support expanded credit union examination cycle Support increased examination transparency Support regulatory policies to promote innovation and access to credit Support Central Liquidity Facility and Community Development Revolving Loan Fund enhancements Oppose NCUA examination of credit union vendors Oppose National Credit Union Share Insurance Fund structural changes or premium assessment Support parity in deposit insurance coverage levels between credit unions and banks Oppose additional Call Report fields on loans to credit union officials and senior executive staff Oppose additional Call Report fields on maturity distribution of uninsured shares Oppose making changes to Call Report requirements without using notice-and-comment process Oppose NCUA Call Report collection of overdraft and NSF fee revenue data Support modernization and simplification of Call Report form and instructions Support rescission of NCUA overdraft and NSF fee guidance Oppose collection of vendor information in NCUA Credit Union Profile Oppose changes to NCUA collection forms outside rulemaking process Support NCUA review of normal operating level and methodology Support NCUA action to permit credit union reimbursement of dependent care expenses for federal credit union official duties Oppose NCUA rule on succession planning Support modification of NCUA record retention requirements Oppose excessive NCUA requirements for supervisory committee audits Support NCUA action to reduce scope of supervisory committee examination Support NCUA recognition of digital banking in service facility definition Support clarification of NCUA member expulsion regulations Support NCUA proposed rule on increasing overdraft flexibility Support NCUA recognition of government sponsored enterprises as government agencies for loan maturity limit purposes Support NCUA adoption of floating interest rate cap Support modification of NCUA commercial loan definition Support increased flexibility in NCUA occupancy requirements Support NCUA action to clarify loan participation limits Support NCUA modification of low-income designation process Support expanding NCUA qualified charity definition Support allowing greater weighted average life for corporate credit unions financial assets Support extension of maturity limit for corporate credit union borrowing Support increased flexibility for advertising and notice of insured status Support increased compliance timeline for NCUA simplification of share insurance rule Support removing reputational risk as a component of credit union examinations Support balanced implementation of debanking executive order Support increased NCUA efforts to promote credit union industry Support modernization and streamlining of NCUA operations Support NCUA supervisory flexibility for credit union shutdown assistance efforts Support NCUA action to modernize CAMELS rating system Support modernization of NCUA fidelity bond review requirements Support making CFPB subject to regular appropriations process Support increased CFPB budget transparency Support restructuring CFPB leadership to a bipartisan commission Support creation of a CFPB Inspector General Support reforms to CFPB Civil Investigative Demand process Support increasing asset thresholds for CFPB supervision of credit unions Support clarification of CFPB unfair, deceptive, or abusive acts and practices authority Support CFPB use of Section 1022 authority to exempt credit unions from certain regulations Support CFPB oversight and monitoring of nonbank entities Oppose CFPB efforts to avoid requirements of the rulemaking process Support CFPB use and disclosure of relevant data in rulemakings Support CFPB use of cost-benefit analysis in rulemaking process Support CFPB coordination with NCUA on policy matters and examination scheduling Oppose mislabeling financial services fees as junk fees Oppose arbitrary limits on credit union fee income Oppose CFPB efforts to restrict information in credit reports Support CFPB engaging in ongoing retrospective review of past regulations Support CFPB consumer complaint database reforms Support CFPB no-action letter program with extended timeline and increased protection of sensitive strategic information Oppose expansion of consumer report and consumer reporting agency definitions under the Fair Credit Reporting Act/Regulation V Support consumer protection regulations for buy-now-pay-later loan providers Support inclusion of buy-now-pay-later loans in FHA underwriting Support CFPB use of Civil Penalty Fund for consumer financial education Support increase of Home Mortgage Disclosure Act reporting thresholds Support removal of disparate impact analysis from Regulation B and modification of discouragement standard Support credit union access to universal service fund letters of credit program Support recognition of unique credit union structure in Financial Data Transparency Act joint data standards Support federal data privacy and security standard that exempts Gramm-Leach-Bliley Act covered institutions, preempts state laws, operates on an opt-out basis, recognizes the complexity of data deletion, and does not authorize private right of action Support increased transparency for fintech bank charter applications Support Treasury development of model forms and qualified vehicle list for auto loan interest deduction Support safe harbor for credit unions related to the auto loan interest deduction Support clarification of remittance transfer tax exemptions Support inclusion of credit unions in Trump Accounts program Oppose development of a central bank digital currency Support credit union access to Federal Reserve liquidity options Support gradual expansion of Fedwire and National Settlement Service operating hours with optional participation Oppose addition of fourth same-day ACH window Support expanded flexibility for accessing the Fed discount window and intraday credit Oppose expanded eligibility for Federal Reserve master account access Oppose Regulation II debit interchange fee cap Oppose Federal Reserve proposed rule on modifying Regulation II debit interchange cap Support improvements to the Federal Reserves Debit Card Issuer Survey Oppose legislative action to impose caps or restrictions on debit or credit interchange fees Oppose legislative action to prohibit the Federal Reserve from paying interest on reserves Support Federal Reserve action to coordinate regulatory guidance on penny circulation issues and management of penny supply Support continued offering of Federal Reserve check services Oppose expansion of Electronic Fund Transfer Act/Regulation E financial institution liability Support fair distribution of Electronic Fund Transfer Act/Regulation E error resolution responsibilities Support clarification of funds definition under Electronic Fund Transfer Act/Regulation E Support clarification of Electronic Fund Transfer Act/Regulation E treatment of digital assets Support increased flexibility for check holds and funds availability requirements Support transition to electronic payments for government payments Support consumer education on transition to electronic payments Support clarification of Section 314(b) information sharing safe harbor for identifying and preventing payments fraud Support greater flexibility for credit unions to decline services with clear indica of fraud or elder abuse Support parity for credit union provision of digital asset services Prevent competitive disadvantages for credit unions and market distortions related to the integration of digital assets into traditional financial products Support Treasury and NCUA action to implement regulatory framework for stablecoin issuance Support parity for credit unions related to stablecoin regulation Support NCUAs role as primary regulator of credit unions stablecoin activities Oppose treating stablecoins or digital assets as federally insured Oppose payment of interest, yield, or rewards on stablecoin holdings Support digital assets guardrails to prevent deposit outflows Support clarifying credit unions authority to provide custodial services for their members Support safeguards for rehypothecation of digital assets Support reduced government-sponsored enterprises costs for credit union mortgages Support secondary mortgage market access for credit unions Support continued role for FHFA as an independent regulator Support credit union access to Federal Home Loan Bank system Support expansion of Federal Home Loan Bank Act community financial institution definition Support Federal Home Loan Bank engagement with credit unions Oppose adoption of volume-based incentives for Federal Home Loan Banks Support Federal Home Loan Bank allocations to the Affordable Housing Program Support FinCEN implementation of the Corporate Transparency Act Support additional time to implement anti-money laundering/countering financing of terrorism program changes and publication of guidance Support increasing Currency Transaction Report and Suspicious Activity Report filing thresholds Support streamlining Currency Transaction Report and Suspicious Activity Report forms Support increased inclusion of identifiable information in Section 314(a) information requests Support consistency between NCUA and FinCEN requirements on Bank Secrecy Act compliance Support FinCEN survey to accurately measure Bank Secrecy Act compliance costs Support DOD clarification of Military Lending Act and Servicemembers Civil Relief Act requirements Support standardized disclosures and financial literacy briefings for servicemembers Support credit union access to nominal leases on military installations Oppose nominal leases for banks on military installations Oppose legislative action on the Overseas Military Banking Program Oppose inclusion of interchange, interest rate cap, or fraud liability amendments in the National Defense Authorization Act Support inclusion of currency transaction report/suspicious activity report thresholds and veterans member business lending amendments in the National Defense Authorization Act Support federal share insurance for all credit unions acting as fiscal agents of the U.S. government Support role of Community Development Financial Institutions Fund in promoting economic growth and access to capital in underserved communities Support access to Community Development Financial Institutions Fund awards and technical assistance for credit unions Support Community Development Financial Institutions Fund bond guarantee program Support Community Development Financial Institutions Fund liquidity enhancement pilot program Support disbursement of all Community Development Financial Institution Fund appropriated award funding without additional barriers Support timely completion of Emergency Capital Investment Program disposition agreements Oppose reclassification of credit header information as a consumer report Oppose reliance on single source of documentation to determine instances of identity theft or coerced debt Oppose use of interim final rule to modify personal financial data rights requirements Support modification of Section 1033 rule to allow data providers to charge fees, remove prescriptive technology standards, and establish data privacy standards and allocation of liability Support increased reporting and small business revenue threshold and elimination of discretionary data points collection in revised Section 1071 rule Support modernization of e-signature requirements Support allowing electronic or documented oral credit card applications Support increased flexibility for disclosures Support rescission of CFPB payday lending rule payment provisions Support modification of FCC revocation of consent rule Support greater flexibility for FCC fraud alert exemption Support uniform federal standards and increased federal preemption of state laws on interchange, data privacy, artificial intelligence, and elder financial abuse reporting Support federal safe harbor for provision of financial services to marijuana-related businesses that comply with state laws Issues related to housing finance reform Issues related to flood insurance Issues related to privately insured credit unions Issues related to credit union capital requirements Issues related to credit union conversions Issues related to credit unions as employers Issues related to the Foreign Account Tax Compliance Act Issues related to fair lending Issues related to the Telephone Consumer Protection Act Support nomination of John Crews as a member of the NCUA Board Support Credit Union Board Modernization Act (H.R. 975; S. 522) Support 1071 Repeal to Protect Small Business Lending Act (H.R. 976; S. 557) Support Making the CFPB Accountable to Small Businesses Act (H.R. 1606) Support Financial Integrity and Regulation Management Act (S. 875; H.R. 2702; Senate Amendment 3104) Support Fair Audits and Inspections for Regulators Act (H.R. 940) Support Small LENDER Act (H.R. 941) Support Anti-CBDC Surveillance State Act (H.R. 1919; S. 1124) Support Veterans Member Business Loan Act (H.R. 507; S. 110; Senate Amendment 3776) Support Taking Account of Bureaucrats Spending Act (H.R. 654) Support Rectifying UDAAP Act (H.R. 1652) Support Civil Investigative Demand Reform Act (H.R. 1653) Support SECURE Notarization Act (H.R. 1777; S. 1561) Support Increasing Credit Union Lending for Business Growth Act (H.R. 1791) Support Financial Reporting Threshold Modernization Act (H.R. 1799; Amendment 715 to H.R. 3838) Support Home of Your Own Act (H.R. 2064) Support Homes for Every Local Protector, Educator, and Responder Act (H.R. 2094; S. 978) Support CFPB Dual Mandate and Economic Analysis Act (H.R. 2183) Support Transparency in CFPB Cost-Benefit Analysis Act (H.R. 2331) Support CFPB-IG Reform Act (H.R. 2513) Support Homebuyers Privacy Protection Act (H.R. 2808; S. 1467) Support Financial Institution Regulatory Tailoring Enhancement Act (H.R. 3230) Support Halting Uncertain Methods and Practices in Supervision Act (H.R. 3379) Support Taking Account of Institutions with Low Operation Risk Act (H.R. 3380) Support Bureau of Consumer Financial Protection Commission Act (H.R. 3445) Support Advancing the Mentor-Protege Program for Small Financial Institutions Act (H.R. 3709) Support Expanding Access to Lending Options Act (H.R. 4167) Support CDFI Bond Guarantee Program Improvement Act (S. 1880) Support Taskforce for Recognizing and Averting Payment Scams Act (H.R. 4936; S. 2019; Senate Amendment 3257) Support Capping Excessive Awarding of SBLC Entrants Act (H.R. 2987) Support Expanding Access to Lending Options Act (H.R. 4167) Support Supervisory Modifications for Appropriate Risk-Based Testing Act (H.R. 4437) Support Stop Agency Fiat Enforcement Act (H.R. 4460) Support American Access to Banking Act (H.R. 4544) Support Protecting Access to Credit for Small Businesses Act (S. 2486) Support Business of Insurance Regulatory Reform Act (H.R. 4735; S. 2419) Support NCUA Central Liquidity Facility Enhancement Act (S. 2545, S. 3575; Senate Amendments 3722, 3834, 4384, 5882, 6180) Support CDFI Fund Transparency Act (S. 2704; Senate Amendments 3640, 3732) Support Supporting Upgraded Property Projects and Lending for Yards Act (H.R. 4568) Support Unleashing AI Innovation in Financial Services Act (H.R. 4801) Support AI Practices, Logistics, Actions, and Necessities Act (H.R. 2152) Support Streamlining Transaction Reporting and Ensuring Anti-Money Laundering Improvements for a New Era Act (S. 3017; Senate Amendment 6241) Support NFIP Continuation Act (H.R. 5577) Support 21st Century ROAD to Housing Act (H.R. 6644) Support Regulatory Efficiency, Verification, Itemization, and Enhanced Workflow Act (H.R. 6544) Support Community Bank Regulatory Tailoring Act (H.R. 7056) Support Close the Shadow Banking Loophole Act (S. 3734) Support American Lending Fairness Act (S. 3889; H.R. 7866) Support Community Bank Relief Act (S. 3849; H.R. 7484) Support Access to Fair Financing for Opportunity and Resilient Development Act (Senate Amendments 4354, 4394, 6101; S. 3940) Support Growing Deposit Insurance for the Future Act (H.R. 8088) Support ESCRA Act (H.R. 306) Support Credit Access and Inclusion Act (H.R. 5402; S. 1465) Support FCRA Liability Harmonization Act (H.R. 5775) Support Guarding Unprotected Aging Retirees from Deception Act (H.R. 2978; S. 2544; Senate Amendment 6471) Support Eliminating Fraud in the CFPBs Complaint Database Act (H.R. 7588) Support Fair Credit Reporting Reseller Accuracy Act (H.R. 8141) Support Bank Fraud Technology Advancement Act (H.R. 8671) Support STOP Payments Fraud Act (H.R. 9331) Support emergency transaction account guarantee legislation (H.R. 8075) Support inclusion of guidance on penny circulation and rounding in Common Cents Act (H.R. 3074) Support parity for credit unions and prohibition on stablecoin yield in Digital Asset Market Clarity Act (H.R. 3633) Support modification of Section 705 in Renewing Opportunity in the American Dream to Housing Act (S. 2651) Support inclusion of credit union parity provisions in Main Street Capital Access Act (H.R. 6955) Oppose Repealing Big Brother Overreach Act (H.R. 425; S. 100) Oppose 10 Percent Credit Card Interest Rate Cap Act (H.R. 1944; S. 381; Senate Amendment 2239) Oppose Credit Card Competition Act (Senate Amendments 2229, 2230, 2345, 4305; S. 3623; H.R. 7035) Oppose commissary interchange fee study (Senate Amendment 3216) Oppose commissary coupon pilot program (Senate Amendments 5942, 6034) Oppose End the Feds Big Bank Bailout Act (S. 2113; Senate Amendment 3761) Oppose Credit Card Fairness Act (S. 3660) Oppose S.J.Res. 130, on CFPB overdraft circular Oppose S.J.Res. 132, on CFPB examinations for risks to servicemembers Oppose S.J.Res. 141, on deceptive collection of medical debt

Client expense: $1,290,000 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), Defense, Dept of (DOD), Executive Office of the President (EOP), Federal Communications Commission (FCC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Financial Crimes Enforcement Network (FinCEN), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Justice, Dept of (DOJ), Natl Credit Union Administration (NCUA), Natl Economic Council (NEC), Office of Management & Budget (OMB), SENATE, Small Business Administration (SBA), Treasury, Dept of

H.R. 3437Insurance Data Protection Act H.R. 6560 NFIP Automatic Extension Act of 2025 H.R. 9726 NFIP Premium Transparency Act H.R. 5577 NFIP Extension Act of 2026 HR 7128 TRIA Program Reauthorization Act of 2025 S. 1015A bill to extend NFIP through Dec. 31, 2026 S. 1544Insurance Data Protection Act S. 1545Repeatedly Flooded Communities Protection Act S. 1564Floodplain Enhancement and Recovery Act S. 2052Flood Insurance Transparency Act of 2025 S. 2054Flood Insurance Consumer Choice Act S. 2931NFIP Extension Act of 2025 S. 2946A bill to reauthorize the NFIP S. 824NFIP Extension Act of 2025 H.R. 7128TRIA Program Reauthorization Act of 2025 H.R. 3437Insurance Data Protection Act S. 1544Insurance Data Protection Act S. 2349INSURE Act

Client expense: $770,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 471 - Fix Our Forests Act H.R. 501 - Promoting Resilient Buildings Act of 2025 H.R. 550 - Wildfire Insurance Coverage Study Act of 2025 H.R. 827 - Homeowners Defense Act of 2025 H.R. 1923 - Modernizing Wildfire Safety and Prevention Act of 2025 H.R. 2123 - NFIP Extension Act of 2025 H.R. 2822 - To extend the National Flood Insurance Program through December 31, 2026. H.R. 4669 - FEMA Act of 2025 H.R. 5079 - Widespread Information Management for the Welfare of Infrastructure and Government Act H.R. 5484 - National Flood Insurance Program Reauthorization and Reform Act of 2025 H.R. 5574 - To extend the National Flood Insurance Program through November 21, 2025. H.R. 5577 - NFIP Extension Act of 2026 H.R. 5608 - To ensure that Write Your Own companies can sell private flood insurance products that compete with National Flood Insurance Program products. H.R. 5794 - FEMA Operations Continuity Act of 2025 H.R. 5848 - NFIP Retroactive Renewal and Reauthorization Act H.R. 6560 - To amend the National Flood Insurance Act of 1968 to provide for the automatic contingent extension of the National Flood Insurance Program, and for other purposes. H.R. 6620 - To amend the National Flood Insurance Act of 1968 to allow for the consideration of private flood insurance for the purposes of applying continuous coverage requirements, and for other purposes. H.R. ___ - To amend the National Flood Insurance Act of 1968 to prohibit flood insurance coverage for severe repetitive loss properties. S. 120 - Disaster Housing Reform for American Families Act S. 824 - NFIP Extension Act of 2025 S. 1015 - A bill to extend the National Flood Insurance Program through December 31, 2026. S. 1337 - Cybersecurity Information Sharing Extension Act S. 1462 - Fix Our Forests Act S. 1545 - Repeatedly Flooded Communities Preparation Act S. 2053 - A bill to ensure that Write Your Own companies can sell private flood insurance products that compete with National Flood Insurance Program products. S. 2054 - Flood Insurance Consumer Choice Act of 2025 S. 2931 - NFIP Extension Act S. 2946 - NFIP Extension Act S. 3151 - National Flood Insurance Program Automatic Extension Act of 2025 Disaster mitigation legislation National Flood Insurance Program reauthorization, reform, debt cancellation, risk sharing, and reinsurance legislation

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

Government targets: Executive Office of the President (EOP), Federal Emergency Management Agency (FEMA), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Office of Management & Budget (OMB), SENATE, Treasury, Dept of

S.128, Primary Care Enhancement Act H.R.5688, the Bipartisan HSA Improvement Act of 2023 H.R. 548, HSA Modernization Act CARES Act provision reinstating the HDHP-HSA telehealth safe harbor National Flood Insurance Program H.R.5535, Insurance Data Protection Act Terrorism Risk Insurance Act Reauthorization H.R. 5577, the NFIP Extension Act of 2026 Legislation to expand access to Health Savings Accounts H.R. 7128, the TRIA Program Reauthorization Act of 2026

Client expense: $3,140,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

**Issues lobbied without specific bill number: Crop Insurance and Wildfire **Issues lobbied without specific bill number: National Flood Insurance Program **Issues lobbied without specific bill number: Implementation of Risk-Rating 2.0 **Issues lobbied without specific bill number: SAFE Banking Act **Issues lobbied without specific bill number: Business of Insurance **Issues lobbied without specific bill number: Credit-based Insurance Underwriting **Issues lobbied without specific bill number: FAA Reauthorization **Issues lobbied without specific bill number: Farm Bill Reauthorization **Issues lobbied without specific bill number: Cyber Insurance **Issues lobbied without specific bill number: CFPB Insurance Exclusion **Issues lobbied without specific bill number: Diversity, Equity, and Inclusion **Issues lobbied without specific bill number: Insurance Requirements for GSE Loans H.R. 550 GAO Study Regarding Insurance Coverage for Damages from Wildfire H.R. 1164 Insurance Claims During Disasters H.R. 1593 Disaster Insurance S. 824 The National Flood Insurance Program H.R. 643 Federal Insurance Office Elimination H.R. 2822 National Flood Insurance Program H.R. 3161 Flood Insurance H.R. 3437 Insurer Data Collection H.R. 3973 Federal Insurance Policy S. 1544 Data Access and Privacy S. 2052 Flood Insurance Issues S. 2053 Flood Insurance Issues S. 2054 Flood Insurance Issues **Issues lobbied without specific bill number: Terrorism Risk Insurance Program H.R. 4365 Federal Insurance Mandates H.R. 4416 Weather and Disaster Mitigation H.R. 4494 Flood Insurance H.R. 4801 Artificial Intelligence H.R. 4861 Flood Mitigation H.R. 5484 Flood Insurance H.R. 5500 Flood Insurance H.R. 5504 Flood Insurance H.R. 5574 Flood Insurance H.R. 5577 Flood Insurance H.R. 5607 Flood Insurance H.R. 5608 Flood Insurance H.R. 5633 Crop Insurance S. 2266 Federal Insurance Mandates S. 2313 Flood Insurance S. 2528 Artificial Intelligence S. 2538 Flood Mitigation S. 2931 Flood Insurance S. 2946 Flood Insurance H.R. 5961 Flood Insurance H.R. 6025 Housing/Insurance H.R. 6256 Disaster Planning/Emergencies/Insurance H.R. 6934 Disaster Planning/Emergencies/Insurance S. Res. 554 Insurance Cost Drivers H.R. 7130 Federal Insurance Office H.R. 7567 Crop Insurance S. 3843 Federal Crop Insurance S. 4215 Federal Crop Insurance

Client expense: $1,440,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), SENATE, Treasury, Dept of

H.R.292 - To amend the Federal Crop Insurance Act to require the Federal Crop Insurance Corporation to carry out research and development regarding a policy to insure table, wine, and juice grapes against losses due to a freeze event, and for other purposes. H.R.550 - To require the Government Accountability Office to conduct a study regarding insurance coverage for damages from wildfires, and for other purposes. H.R.643 - To eliminate the Federal Insurance Office of the Department of the Treasury, and for other purposes. H.R.827 - To ensure the availability and affordability of homeowners' insurance coverage for catastrophic events. H.R.1481 - 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. H.R.2123 - To amend the National Flood Insurance Act of 1968 to reauthorize the National Flood Insurance Program. S.586 - A bill to amend the Internal Revenue Code of 1986 to provide an advance refundable credit to offset certain flood insurance premiums, and for other purposes. S.824 - A bill to reauthorize the National Flood Insurance Program. H.R.2547 - To amend the Internal Revenue Code of 1986 to exclude debt held by certain insurance companies from capital assets and to extend capital loss carryovers for such companies from 5 years to 10 years. H.R.2567 - To amend the Internal Revenue Code of 1986 to provide special rules for purposes of determining if financial guaranty insurance companies are qualifying insurance corporations under the passive foreign investment company rules. H.R.2822 - To extend the National Flood Insurance Program through December 31, 2026. H.R.3437 - To prohibit the Federal Insurance Office of the Department of the Treasury and other financial regulators from collecting data directly from an insurance company. H.R.3664 - To prohibit private passenger automobile insurers from using certain income proxies to determine insurance rates and eligibility. H.R.3800 - To amend the National Flood Insurance Act of 1968 to prohibit the deferral of the issuance of letters of map revision based on the placement of fill or conditional letters of map revision based on the placement of fill, and for other purposes. H.R.2774 - To amend section 5 of the Flood Control Act of 1941 to impose a deadline for initiating the repair or restoration of project under such section, and for other purposes. H.R.3300 - To amend the Federal Water Pollution Control Act to clarify that a permit is not required under the National Pollutant Discharge Elimination System for a discharge resulting from the aerial application of certain products used for fire control and suppression, and for other purposes. S.1271 - A bill to amend the Federal Agriculture Improvement and Reform Act of 1996 with respect to transitioning producers from the noninsured crop assistance program to the whole farm revenue insurance plan. S.2053 - A bill to ensure that Write Your Own companies can sell private flood insurance products that compete with National Flood Insurance Program products. S.2054 - A bill to allow National Flood Insurance Program policyholders who leave the program to purchase a private insurance flood policy to return to the National Flood Insurance Program without penalty, and for other purposes. S.1437 - A bill to require the Administrator of the National Aeronautics and Space Administration to establish a program to identify, evaluate, acquire, and disseminate commercial Earth remote sensing data and imagery in order to satisfy the scientific, operational, and educational requirements of the Administration, and for other purposes. H.R.5574 - To extend the National Flood Insurance Program through November 21, 2025. H.R.5577 - NFIP Extension Act of 2026 H.R.5607 - Flood Insurance Transparency Act of 2025 H.R.5608 - To ensure that Write Your Own companies can sell private flood insurance products that compete with National Flood Insurance Program products. H.R.5500 - To make administrative reforms to the National Flood Insurance Program to increase fairness and accuracy and protect the taxpayer from program fraud and abuse, and for other purposes. H.R.5503 - To require the Federal Emergency Management Agency to establish a Territorial Disaster Recovery Program to continuously identify, monitor, and address factors and capability gaps that hinder the execution and completion of recovery activities relating to major disasters by eligible entities located in the territories of the United States. H.R.5504 - To amend the Internal Revenue Code of 1986 to allow for a credit against tax for certain flood insurance expenses. H.R.5229 - To provide for improvements to National Flood Insurance Program rate maps, and for other purposes. H.R.4735 - Business of Insurance Regulatory Reform Act of 2025 H.R.4504 - To require the Secretary of the Treasury to establish a catastrophic property loss reinsurance program, and for other purposes. S.2931 - A bill to reauthorize the National Flood Insurance Program. S.2946 - A bill to reauthorize the National Flood Insurance Program. S.2349 - A bill to require the Secretary of the Treasury to establish a catastrophic property loss reinsurance program, and for other purposes. S.2419 - Business of Insurance Regulatory Reform Act of 2025 H.R.5697 - To adjust the effective date of any adjustment based on Consumer Price Index to rail passenger liability cap that occurs during calendar year 2026. H.R.5848 - NFIP Retroactive Renewal and Reauthorization Act H.R.5961 - To increase the availability of flood insurance for agricultural structures, and for other purposes. H.R.5990 - To require the Secretary of Housing and Urban Development to establish a pilot program to provide grants to implementing organizations to administer a whole-home repairs program for eligible homeowners and eligible landlords, and for other purposes. H.R.6086 - To provide for funding from the Aviation Insurance Revolving Fund to continue certain Federal Aviation Administration activities in the event of a Government shutdown, and for other purposes. H.R.6155 - Federal Carjacking Enforcement Act H.R.6256 - To amend the Homeowner Flood Insurance Affordability Act of 2014 to address ecosystem restoration projects, and for other purposes. H.R.6274 - To establish a Natural Disaster Risk Reinsurance Program, and for other purposes. H.R.6560 - To amend the National Flood Insurance Act of 1968 to provide for the automatic contingent extension of the National Flood Insurance Program, and for other purposes. H.R.6620 - To amend the National Flood Insurance Act of 1968 to allow for the consideration of private flood insurance for the purposes of applying continuous coverage requirements, and for other purposes. H.R.7130 - McCarran-Ferguson Restoration Act H.R.7246 - To establish the Climate Financial Risk Committee and Climate Financial Risk Advisory Committee on the Financial Stability Oversight Council. H.R.7355 - To provide for the disclosure and sharing of certain policy and claims information under the National Flood Insurance Program, and for other purposes. H.R.7462 - To amend the Federal Crop Insurance Act to direct the Secretary of Agriculture to use certain data sets when determining eligibility related to indemnity payments under the Hurricane Insurance Protection-Wind Index endorsement, and for other purposes. H.R.7862 - To amend the National Flood Insurance Act of 1968 to limit the application of the Endangered Species Act with respect to certain actions under the national flood insurance program, and for other purposes. S.3711 - A bill to establish the Climate Financial Risk Committee and Climate Financial Risk Advisory Committee on the Financial Stability Oversight Council. S.3843 - A bill to amend the Federal Crop Insurance Act to direct the Federal Crop Insurance Corporation to conduct research and development on frost or cold weather insurance, and for other purposes. S.4088 - A bill to amend the Federal Crop Insurance Act to improve education and risk management assistance, and for other purposes. S.4215 - A bill to amend the Federal Crop Insurance Act to reduce Federal spending on crop insurance, and for other purposes.

Client expense: $506,440 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

Federal regulation of homeowners insurance; Flood insurance, H.R.5577, NFIP Extension Act of 2026; Wildfire prevention, response, and resiliency; Extreme weather and flood mitigation and resiliency; FY2027 appropriations process; H.R.471, Fix Our Forests Act; HR.7128, TRIA Program Reauthorization Act of 2026.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 478 The Promoting New Bank Formation Act H.R. 940 The FAIR Exams Act H.R. 941 The Small LENDER Act H.R. 976 The 1071 Repeal to Protect Small Business Lending Act H.R. 1606 Making the CFPB Accountable to Small Businesses Act H.R. 1652 Rectifying UDAAP Act H.R. 1799 The Financial Reporting Threshold Modernization Act H.R. 1944 10 Percent Credit Card Interest Rate Cap Act H.R. 2808 The Homebuyers Privacy Protection Act H.R. 2835 The Small Bank Holding Company Relief Act H.R. 2885 The Bank Loan Privacy Act H.R. 3234 Reciprocal Deposits H.R. 3380 TAILOR Act of 2025 H.R. 3390 Bringing the Discount Window into the 21st Century Act H.R. 3446 FDIC Board Accountability Act- Rep. Huizenga H.R. 3633 The CLARITY Act H.R. 3709 Advancing the Mentor-Protege Program for Small Financial Institutions Act H.R. 4437 SMART Act H.R. 4478 TRUST Act H.R. 4551 The Employee Paycheck and Small Business Protection Act H.R. 5262 The Bank Competition Modernization Act H.R. 5276 The Community Bank LIFT Act H.R. 5263 The Bank Competition Modernization Act H.R. 5291 The Merchant Banking Modernization Act H.R. 5317 The Community Bank Deposit Access Act of 2025 H.R. 5577 The NFIP Extension Act of 2026 (Rep. Andrew Garbarino) H.R. 6536 The Rural Depositories Revitalization Study Act (Rep. Ralph Norman) H.R. 6544 The Regulatory Efficiency, Verification, Itemization, and Enhanced Workflow (REVIEW) Act (Rep. William Timmons) H.R. 6547 The Least Cost Exception Act H.R. 6552 The Bank-Fintech Partnership Enhancement Act (Rep. Andy Barr) H.R. 6554 The Community Bank Representation Act (Rep. Monica De La Cruz) H.R. 6555 The Enhancing Bank Resolution Participation Act H.R. 6556 The Failing Bank Acquisitions Fairness Act H.R. 6955 Main Street Capital Access Act H.R. 7056 Community Bank Regulatory Tailoring Act H.R. 7548 The SCAM Act H.R. 7769 Municipal Investment and Neighborhood Transformation Act H.R. 8071 Fair Exams Act H.R. 8075 Emergency Transaction Account Guarantee Program H.R. 8087 Main Street Depositor Protection Act H.R. 8088 Growing Deposit Insurance for the Future Act S. 113 The Promoting New Bank Formation Act S. 427 The TAILOR Act S. 557 The 1071 Repeal to Protect Small Business Lending Act S. 1467 Homebuyers Privacy Protection Act S. 2352 The PROTECTED Act S. 2486 Protecting Access to Credit for Small Businesses Act S. 2663 Merchant Banking Modernization Act S. 2704 CDFI Fund Transparency Act S. 2999 Main Street Depositor Protection Act S. 3774 The SCAM Act S. 3830 TRUST Act S. 3941 Municipal Investment and Neighborhood Transformation Act Amendment 3640 to S. 2296 National Defense Authorization Act - CDFIs CFPB 1033 Rule Community Bank Access to Capital Credit Card Competition Act Credit Union Acquisitions of Community Banks Credit Union Field of Membership Rules Data Privacy De Novo Bank Formation Deposit Insurance Digital Assets Regulation EGRPRA Review Federal Reserve Master Accounts Flood Insurance Fraud and Scams Industrial Loan Company Charter Policy Minority Depository Institutions Mutual Bank Capital Certificates National Trust Bank Charter Rules and Applications Regulatory Relief Stablecoin Regulation To authorize the FDIC and NCUA to establish emergency transaction account guarantee programs, and for other purposes To require the FDIC and NCUA to carry out an analysis to determine whether insurance coverage should be raised on covered transaction accounts, and for other purposes The Growing Deposit Insurance for the Future Act

Client expense: $890,000 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), Executive Office of the President (EOP), 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, White House Office

NFIP Reauthorization (generally); HR.2123/S.824 - NFIP Extension Act of 2025; HR.643 - Federal Insurance Office Elimination Act; FHFA Property Insurance Requirements; S.1545 - Repeatedly Flooded Communities Preparation Act; HR.3437/S.1544 - Insurance Data Protection Act; HR.4494/S.2313 - The Flood Insurance Relief Act; HR.4735/S.2419 - Business of Insurance Regulatory Reform Act; HR.5577 - NFIP Extension Act of 2026; HR.6620 - To amend the National Flood Insurance Act of 1958 with continuous coverage requirements; HR.7130 - The McCarran-Ferguson Restoration Act

Client expense: $180,000 · Firm income: Not reported

Government targets: Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, SENATE

Protect the credit union tax exemption Support legislation and regulation that advance credit unions and their over 145 million members Support regulatory relief for credit unions Support holistic evaluation of regulatory burden on credit unions Support credit union field of membership expansion and modernization Support regulator- and bank-approved credit union-bank mergers Support financial inclusion and increased access to financial services Support modifying the credit union member business lending cap Support NCUAs existence as an independent regulator and insurer of credit unions Support assistance for minority depository institution credit unions Support regulatory relief for de novo credit unions Support harmonization of federal cyber incident notification standards Oppose Community Reinvestment Act requirements for credit unions Oppose legislative action to restrict credit union overdraft and courtesy pay programs Support regulatory framework for artificial intelligence that allows responsible innovation and recognizes credit unions compliance with existing regulations Support allowing use of artificial intelligence for regulatory reporting purposes Support mandatory arbitration agreements Oppose national interest rate cap Oppose national credit card interest rate cap Support Federal Credit Union Act modernization Support expanded natural person and corporate credit union investment authority Support expanded credit union examination cycle Support increased examination transparency Support Central Liquidity Facility and Community Development Revolving Loan Fund enhancements Oppose NCUA examination of credit union vendors Support modification of credit union loan maturity limits Oppose National Credit Union Share Insurance Fund structural changes Oppose National Credit Union Share Insurance Fund premium assessment Support parity in deposit insurance coverage levels between credit unions and banks Oppose additional Call Report fields on loans to credit union officials and senior executive staff Oppose additional Call Report fields on maturity distribution of uninsured shares Oppose making changes to Call Report requirements without using notice-and-comment process Oppose NCUA Call Report collection of overdraft and NSF fee revenue data Support modernization and simplification of Call Report form and instructions Support rescission of NCUA overdraft and NSF fee guidance Oppose collection of vendor information in NCUA Credit Union Profile Oppose changes to NCUA collection forms outside rulemaking process Support NCUA review of normal operating level and methodology Support NCUA action to permit credit union reimbursement of dependent care expenses for federal credit union official duties Oppose NCUA acting as a climate regulator Oppose NCUA rule on succession planning Oppose NCUA rule on record retention Oppose excessive NCUA requirements for supervisory committee audits Support NCUA action to reduce scope of supervisory committee examination Support NCUA recognition of digital banking in service facility definition Support clarification of NCUA member expulsion regulations Support NCUA proposed rule on increasing overdraft flexibility Support NCUA recognition of government sponsored enterprises as government agencies for loan maturity limit purposes Support NCUA adoption of floating interest rate cap Support modification of NCUA commercial loan definition Support increased flexibility in NCUA occupancy requirements Support NCUA action to clarify loan participation limits Support NCUA modification of low-income designation process Support expanding NCUA qualified charity definition Support allowing greater weighted average life for corporate credit unions financial assets Support extension of maturity limit for corporate credit union borrowing Support NCUA adopting limited retention period for operational records Support increased flexibility for advertising and notice of insured status Oppose proposed incentive-based compensation rule Support increased compliance timeline for NCUA simplification of share insurance rule Support removing reputational risk as a component of credit union examinations Support balanced implementation of debanking executive order Support increased NCUA efforts to promote credit union industry Support modernization and streamlining of NCUA operations Support NCUA supervisory flexibility for credit union shutdown assistance efforts Support NCUA action to modernize CAMELS rating system Support modernization of NCUA fidelity bond review requirements Support making CFPB subject to regular appropriations process Support increased CFPB budget transparency Support restructuring CFPB leadership to a bipartisan commission Support creation of a CFPB Inspector General Support reforms to CFPB Civil Investigative Demand process Support increasing asset thresholds for CFPB supervision of credit unions Support clarification of CFPB unfair, deceptive, or abusive acts and practices authority Support CFPB use of Section 1022 authority to exempt credit unions from certain regulations Support CFPB oversight and monitoring of nonbank entities Oppose CFPB efforts to avoid requirements of the rulemaking process Support CFPB use and disclosure of relevant data in rulemakings Support CFPB use of cost-benefit analysis in rulemaking process Support CFPB policies to promote innovation and access to credit Support CFPB coordination with NCUA on policy matters and examination scheduling Oppose mislabeling financial services fees as junk fees Oppose arbitrary limits on credit union fee income Oppose CFPB efforts to restrict information in credit reports Oppose CFPB efforts to manipulate consumer complaint data Support CFPB engaging in ongoing retrospective review of past regulations Support CFPB consumer complaint database reforms Support CFPB no-action letter program with extended timeline and increased protection of sensitive strategic information Oppose CFPB action to prohibit use of certain contractual terms and conditions Oppose expansion of consumer report and consumer reporting agency definitions under the Fair Credit Reporting Act/Regulation V Support consumer protection regulations for buy-now-pay-later loan providers Support inclusion of buy-now-pay-later loans in FHA underwriting Support CFPB use of Civil Penalty Fund for consumer financial education Support increase of Home Mortgage Disclosure Act reporting thresholds Support removal of disparate impact analysis from Regulation B and modification of discouragement standard Support credit union access to universal service fund letters of credit program Support recognition of unique credit union structure in Financial Data Transparency Act joint data standards Support federal data privacy and security standard that exempts Gramm-Leach-Bliley Act covered institutions, preempts state laws, operates on an opt-out basis, recognizes the complexity of data deletion, and does not authorize private right of action Support increased transparency for fintech bank charter applications Support Treasury development of model forms and qualified vehicle list for auto loan interest deduction Support safe harbor for credit unions related to the auto loan interest deduction Support clarification of remittance transfer tax exemptions Support inclusion of credit unions in Trump Accounts program Oppose development of a central bank digital currency Support credit union access to Federal Reserve liquidity options Support gradual expansion of Fedwire and National Settlement Service operating hours with optional participation Oppose addition of fourth same-day ACH window Support expanded flexibility for accessing the Fed discount window and intraday credit Oppose expanded eligibility for Federal Reserve master account access Oppose Regulation II debit interchange fee cap Oppose Federal Reserve proposed rule on modifying Regulation II debit interchange cap Support improvements to the Federal Reserves Debit Card Issuer Survey Oppose legislative action to impose caps or restrictions on debit or credit interchange fees Oppose legislative action to prohibit the Federal Reserve from paying interest on reserves Support Federal Reserve action to coordinate regulatory guidance on penny circulation issues and management of penny supply Support continued offering of Federal Reserve check services Oppose expansion of Electronic Fund Transfer Act/Regulation E financial institution liability Support fair distribution of Electronic Fund Transfer Act/Regulation E error resolution responsibilities Oppose Electronic Fund Transfer Act/Regulation E liability for financial institutions for consumer-authorized transactions Support clarification of funds definition under Electronic Fund Transfer Act/Regulation E Support clarification of Electronic Fund Transfer Act/Regulation E treatment of digital assets Support increased flexibility for check holds and funds availability requirements Support transition to electronic payments for government payments Support consumer education on transition to electronic payments Support clarification of information sharing safe harbor for identifying and preventing payments fraud Support greater flexibility for credit unions to decline services with clear indica of fraud or elder abuse Support parity for credit union provision of digital asset services Prevent competitive disadvantages for credit unions and market distortions related to the integration of digital assets into traditional financial products Support Treasury and NCUA action to implement regulatory framework for stablecoin issuance Support parity for credit unions related to stablecoin regulation Support NCUAs role as primary regulator of credit unions stablecoin activities Oppose treating stablecoins or digital assets as federally insured Oppose payment of interest, yield, or rewards on stablecoin holdings Support digital assets guardrails to prevent deposit outflows Support clarifying credit unions authority to provide custodial services for their members Support safeguards for rehypothecation of digital assets Support reduced government-sponsored enterprises costs for credit union mortgages Support secondary mortgage market access for credit unions Support continued role for FHFA as an independent regulator Support credit union access to Federal Home Loan Bank system Support expansion of Federal Home Loan Bank Act community financial institution definition Support Federal Home Loan Bank engagement with credit unions Oppose adoption of volume-based incentives for Federal Home Loan Banks Oppose policy changes to limit access to Federal Home Loan Bank liquidity Support Federal Home Loan Bank allocations to the Affordable Housing Program Support FinCEN implementation of the Corporate Transparency Act Support additional time to implement anti-money laundering/countering financing of terrorism program changes and publication of guidance Support increasing Currency Transaction Report and Suspicious Activity Report filing thresholds Support streamlining Currency Transaction Report and Suspicious Activity Report forms Support increased inclusion of identifiable information in Section 314(a) information requests Support consistency between NCUA and FinCEN requirements on Bank Secrecy Act compliance Support FinCEN survey to accurately measure Bank Secrecy Act compliance costs Support DOD clarification of Military Lending Act and Servicemembers Civil Relief Act requirements Support standardized disclosures and financial literacy briefings for servicemembers Support credit union access to nominal leases on military installations Oppose nominal leases for banks on military installations Oppose legislative action on the Overseas Military Banking Program Oppose inclusion of interchange or interest rate cap amendments in the National Defense Authorization Act Support federal share insurance for all credit unions acting as fiscal agents of the U.S. government Support role of Community Development Financial Institutions Fund in promoting economic growth and access to capital in underserved communities Support access to Community Development Financial Institutions Fund awards and technical assistance for credit unions Support Community Development Financial Institutions Fund bond guarantee program Support Community Development Financial Institutions Fund liquidity enhancement pilot program Support disbursement of all Community Development Financial Institution Fund appropriated award funding Oppose additional barriers to disbursement of Community Development Financial Institution Fund appropriated award funding Support timely completion of Emergency Capital Investment Program disposition agreements Oppose CFPB rulemaking on contract terms and conditions Oppose reclassification of credit header information as a consumer report Oppose reliance on single source of documentation to determine instances of identity theft or coerced debt Oppose use of interim final rule to modify personal financial data rights requirements Support modification of Section 1033 rule to allow data providers to charge fees, remove prescriptive technology standards, and establish data privacy standards and allocation of liability Support increased reporting and small business revenue threshold and elimination of discretionary data points collection in revised Section 1071 rule Support modernization of e-signature requirements Support allowing electronic or documented oral credit card applications Support increased flexibility for disclosures Support rescission of CFPB payday lending rule payment provisions Support modification of FCC revocation of consent rule Support greater flexibility for FCC fraud alert exemption Support uniform federal standards and increased federal preemption of state laws on interchange, data privacy, artificial intelligence, and elder financial abuse reporting Issues related to housing finance reform Issues related to flood insurance Issues related to privately insured credit unions Issues related to credit union capital requirements Issues related to credit union conversions Issues related to credit unions as employers Issues related to the Foreign Account Tax Compliance Act Issues related to fair lending Issues related to the Telephone Consumer Protection Act Support Credit Union Board Modernization Act (H.R. 975; S. 522) Support 1071 Repeal to Protect Small Business Lending Act (H.R. 976; S. 557) Support Making the CFPB Accountable to Small Businesses Act (H.R. 1606) Support Financial Integrity and Regulation Management Act (S. 875; H.R. 2702; Senate Amendment 3104) Support Fair Audits and Inspections for Regulators Act (H.R. 940) Support Anti-CBDC Surveillance State Act (H.R. 1919; S. 1124) Support Veterans Member Business Loan Act (H.R. 507; S. 110; Senate Amendment 3776) Support Taking Account of Bureaucrats Spending Act (H.R. 654) Support Rectifying UDAAP Act (H.R. 1652) Support Civil Investigative Demand Reform Act (H.R. 1653) Support SECURE Notarization Act (H.R. 1777; S. 1561) Support Increasing Credit Union Lending for Business Growth Act (H.R. 1791) Support Financial Reporting Threshold Modernization Act (H.R. 1799; Amendment 715 to H.R. 3838) Support Home of Your Own Act (H.R. 2064) Support Homes for Every Local Protector, Educator, and Responder Act (H.R. 2094; S. 978) Support CFPB Dual Mandate and Economic Analysis Act (H.R. 2183) Support Transparency in CFPB Cost-Benefit Analysis Act (H.R. 2331) Support CFPB-IG Reform Act (H.R. 2513) Support Homebuyers Privacy Protection Act (H.R. 2808; S. 1467) Support Financial Institution Regulatory Tailoring Enhancement Act (H.R. 3230) Support Halting Uncertain Methods and Practices in Supervision Act (H.R. 3379) Support Taking Account of Institutions with Low Operation Risk Act (H.R. 3380) Support Bureau of Consumer Financial Protection Commission Act (H.R. 3445) Support Advancing the Mentor-Protege Program for Small Financial Institutions Act (H.R. 3709) Support Expanding Access to Lending Options Act (H.R. 4167) Support CDFI Bond Guarantee Program Improvement Act (S. 1880) Support Taskforce for Recognizing and Averting Payment Scams Act (H.R. 4936; S. 2019; Senate Amendment 3257) Support Capping Excessive Awarding of SBLC Entrants Act (H.R. 2987) Support Expanding Access to Lending Options Act (H.R. 4167) Support Supervisory Modifications for Appropriate Risk-Based Testing Act (H.R. 4437) Support Stop Agency Fiat Enforcement Act (H.R. 4460) Support American Access to Banking Act (H.R. 4544) Support Protecting Access to Credit for Small Businesses Act (S. 2486) Support Business of Insurance Regulatory Reform Act (H.R. 4735; S. 2419) Support NCUA Central Liquidity Facility Enhancement Act (S. 2545, S. 3575; Senate Amendments 3722, 3834, 4384) Support CDFI Fund Transparency Act (S. 2704; Senate Amendments 3640, 3732) Support Supporting Upgraded Property Projects and Lending for Yards Act (H.R. 4568) Support Unleashing AI Innovation in Financial Services Act (H.R. 4801) Support AI Practices, Logistics, Actions, and Necessities Act (H.R. 2152) Support Streamlining Transaction Reporting and Ensuring Anti-Money Laundering Improvements for a New Era Act (S. 3017) Support NFIP Continuation Act (H.R. 5577) Support Housing for the 21st Century Act (H.R. 6644) Support Regulatory Efficiency, Verification, Itemization, and Enhanced Workflow Act (H.R. 6544) Support Community Bank Regulatory Tailoring Act (H.R. 7056) Support Close the Shadow Banking Loophole Act (S. 3734) Support American Lending Fairness Act (S. 3889; H.R. 7866) Support Community Bank Relief Act (S. 3849; H.R. 7484) Support Access to Fair Financing for Opportunity and Resilient Development Act (Senate Amendments 4354, 4394; S. 3940) Support Growing Deposit Insurance for the Future Act (H.R. 8088) Support emergency transaction account guarantee legislation (H.R. 8075) Support inclusion of guidance on penny circulation in Common Cents Act (H.R. 3074) Support parity for credit unions and prohibition on stablecoin yield in Digital Asset Market Clarity Act (H.R. 3633) Support modification of Section 705 in Renewing Opportunity in the American Dream to Housing Act (S. 2651) Support inclusion of credit union parity provisions in Main Street Capital Access Act (H.R. 6955) Oppose 10 Percent Credit Card Interest Rate Cap Act (H.R. 1944; S. 381; Senate Amendment 2239) Oppose Credit Card Competition Act (Senate Amendments 2229, 2230, 2345, 4305; S. 3623; H.R. 7035) Oppose commissary interchange fee study (Senate Amendment 3216) Oppose End the Feds Big Bank Bailout Act (S. 2113; Senate Amendment 3761) Oppose Credit Card Fairness Act (S. 3660)

Client expense: $1,130,000 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), Defense, Dept of (DOD), Executive Office of the President (EOP), Federal Communications Commission (FCC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Financial Crimes Enforcement Network (FinCEN), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Justice, Dept of (DOJ), Natl Credit Union Administration (NCUA), Natl Economic Council (NEC), Office of Management & Budget (OMB), SENATE, Small Business Administration (SBA), Treasury, Dept of

H.R. 1181, the Protecting Privacy in Purchases Act Credit Card Competition Act HR 6544 The Regulatory Efficiency, Verification, Itemization, and Enhanced Workflow (REVIEW) Act H.R. 4429, the Developing and Empowering our Aspiring Leaders (DEAL) Act H.R. 4430, the Expanding WKSI Eligibility Act H.R. 4431, the Improving Capital Allocation for Newcomers (ICAN) Act S 2989 Stop Medical Profiteering and Theft (MPT) Act H.R. 4130, the Small Business Relief Act H.R. 6541, the Regulation A+ Improvement Act HR 4801 Unleashing AI Innovation in Financial Services Act HR 3959 Protecting Private Job Creators Act S. 710 Crypto ATM Fraud Prevention Act H. R. 1919 Anti-CBDC Surveillance State Act H.R. 3633, the CLARITY Act (crypto market regulation) Responsible Financial Innovation Act PE and childcare Crypto tax policy HR 3383, the INVEST Act Proxy advisors H.R. 5577 the NFIP Extension Act of 2026 Insurance crisis consumer protections, supervision, and bailout policy National Flood Insurance Program (NFIP) policy reform

Client expense: $150,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 1078, the Respect State Housing Laws Act S.5027 - ROAD to Housing Act of 2025 Private equity in housing H.R. 5577 the NFIP Extension Act of 2026

Client expense: $150,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 478 The Promoting New Bank Formation Act H.R. 940 The FAIR Exams Act H.R. 941 The Small LENDER Act H.R. 976 The 1071 Repeal to Protect Small Business Lending Act H.R. 1606 Making the CFPB Accountable to Small Businesses Act H.R. 1652 Rectifying UDAAP Act H.R. 1799 The Financial Reporting Threshold Modernization Act H.R. 1944 10 Percent Credit Card Interest Rate Cap Act H.R. 2808 The Homebuyers Privacy Protection Act H.R. 2835 The Small Bank Holding Company Relief Act H.R. 2885 The Bank Loan Privacy Act H.R. 3234 Reciprocal Deposits H.R. 3380 TAILOR Act of 2025 H.R. 3390 Bringing the Discount Window into the 21st Century Act H.R. 3446 FDIC Board Accountability Act- Rep. Huizenga H.R. 3633 The CLARITY Act H.R. 3709 Advancing the Mentor-Protege Program for Small Financial Institutions Act H.R. 4437 SMART Act H.R. 4478 TRUST Act H.R. 4551, the Employee Paycheck and Small Business Protection Act H.R. 5262 The Bank Competition Modernization Act H.R. 5276 The Community Bank LIFT Act H.R. 5263 The Bank Competition Modernization Act H.R. 5291 The Merchant Banking Modernization Act H.R. 5317 The Community Bank Deposit Access Act of 2025 H.R. 5577, the NFIP Extension Act of 2026 (Rep. Andrew Garbarino) H.R. 6536, the Rural Depositories Revitalization Study Act (Rep. Ralph Norman) H.R. 6544, the Regulatory Efficiency, Verification, Itemization, and Enhanced Workflow (REVIEW) Act (Rep. William Timmons) H.R. 6547, the Least Cost Exception Act H.R. 6552, the Bank-Fintech Partnership Enhancement Act (Rep. Andy Barr) H.R. 6554, the Community Bank Representation Act (Rep. Monica De La Cruz) H.R. 6555, the Enhancing Bank Resolution Participation Act HR 6556, the Failing Bank Acquisitions Fairness Act H.R. 8071 Fair Exams Act S. 113 The Promoting New Bank Formation Act S. 427 The TAILOR Act S. 557 The 1071 Repeal to Protect Small Business Lending Act S. 1467 Homebuyers Privacy Protection Act S. 2296 National Defense Authorization Act S. 2352 The PROTECTED Act S. 2486 Protecting Access to Credit for Small Businesses Act S. 2663 Merchant Banking Modernization Act S. 2704 CDFI Fund Transparency Act S. 2999 Main Street Depositor Protection Act Amendment 3640 to S. 2296 National Defense Authorization Act - CDFIs Artificial Intelligence Artificial Intelligence Action Plan Bank Loan Privacy Act CFPB 1033 Rule Community Bank Access to Capital Credit Reporting Credit Union Acquisitions of Community Banks Credit Union Field of Membership Rules Cyber Action Plan Cybersecurity Information Sharing Act (CISA) Reauthorization Data Privacy De Novo Bank Formation Deposit Insurance Digital Assets Regulation EGRPRA Review Federal Reserve Master Accounts Flood Insurance Fraud and Scams Industrial Loan Company Charter Policy Issues related to the Federal Home Loan Bank Act Minority Depository Institutions Mutual Bank Capital Certificates Regulatory Relief Responsible Financial Innovation Act Stablecoin Regulation To authorize the FDIC and NCUA to establish emergency transaction account guarantee programs, and for other purposes To require the FDIC and NCUA to carry out an analysis to determine whether insurance coverage should be raised on covered transaction accounts, and for other purposes The Growing Deposit Insurance for the Future Act U.S. National Cybersecurity Strategy U.S. National Security Strategy

Client expense: $1,281,850 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), Executive Office of the President (EOP), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Office of Science & Technology Policy (OSTP), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of, White House Office

**Issues lobbied without specific bill number: Crop Insurance and Wildfire **Issues lobbied without specific bill number: National Flood Insurance Program **Issues lobbied without specific bill number: Implementation of Risk-Rating 2.0 **Issues lobbied without specific bill number: SAFE Banking Act **Issues lobbied without specific bill number: Business of Insurance **Issues lobbied without specific bill number: Credit-based Insurance Underwriting **Issues lobbied without specific bill number: FAA Reauthorization **Issues lobbied without specific bill number: Farm Bill Reauthorization **Issues lobbied without specific bill number: Cyber Insurance **Issues lobbied without specific bill number: CFPB Insurance Exclusion **Issues lobbied without specific bill number: Diversity, Equity, and Inclusion **Issues lobbied without specific bill number: Insurance Requirements for GSE Loans H.R. 550 GAO Study Regarding Insurance Coverage for Damages from Wildfire H.R. 1164 Insurance Claims During Disasters H.R. 1593 Disaster Insurance S. 824 The National Flood Insurance Program H.R. 643 Federal Insurance Office Elimination H.R. 2822 National Flood Insurance Program H.R. 3161 Flood Insurance H.R. 3437 Insurer Data Collection H.R. 3973 Federal Insurance Policy S. 1544 Data Access and Privacy S. 2052 Flood Insurance Issues S. 2053 Flood Insurance Issues S. 2054 Flood Insurance Issues **Issues lobbied without specific bill number: Terrorism Risk Insurance Program H.R. 4365 Federal Insurance Mandates H.R. 4416 Weather and Disaster Mitigation H.R. 4494 Flood Insurance H.R. 4801 Artificial Intelligence H.R. 4861 Flood Mitigation H.R. 5484 Flood Insurance H.R. 5500 Flood Insurance H.R. 5504 Flood Insurance H.R. 5574 Flood Insurance H.R. 5577 Flood Insurance H.R. 5607 Flood Insurance H.R. 5608 Flood Insurance H.R. 5633 Crop Insurance S. 2266 Federal Insurance Mandates S. 2313 Flood Insurance S. 2528 Artificial Intelligence S. 2538 Flood Mitigation S. 2931 Flood Insurance S. 2946 Flood Insurance H.R. 5961 Flood Insurance H.R. 6025 Housing/Insurance H.R. 6256 Disaster Planning/Emergencies/Insurance H.R. 6934 Disaster Planning/Emergencies/Insurance S. Res. 554 Insurance Cost Drivers

Client expense: $1,400,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), SENATE, Treasury, Dept of

**Issues lobbied without specific bill number: Crop Insurance and Wildfire **Issues lobbied without specific bill number: National Flood Insurance Program **Issues lobbied without specific bill number: Implementation of Risk-Rating 2.0 **Issues lobbied without specific bill number: SAFE Banking Act **Issues lobbied without specific bill number: Business of Insurance **Issues lobbied without specific bill number: Credit-based Insurance Underwriting **Issues lobbied without specific bill number: FAA Reauthorization **Issues lobbied without specific bill number: Farm Bill Reauthorization **Issues lobbied without specific bill number: Cyber Insurance **Issues lobbied without specific bill number: CFPB Insurance Exclusion **Issues lobbied without specific bill number: Diversity, Equity, and Inclusion **Issues lobbied without specific bill number: Insurance Requirements for GSE Loans H.R. 550 GAO Study Regarding Insurance Coverage for Damages from Wildfire H.R. 1164 Insurance Claims During Disasters H.R. 1593 Disaster Insurance S. 824 The National Flood Insurance Program H.R. 643 Federal Insurance Office Elimination H.R. 2822 National Flood Insurance Program H.R. 3161 Flood Insurance H.R. 3437 Insurer Data Collection H.R. 3973 Federal Insurance Policy S. 1544 Data Access and Privacy S. 2052 Flood Insurance Issues S. 2053 Flood Insurance Issues S. 2054 Flood Insurance Issues **Issues lobbied without specific bill number: Terrorism Risk Insurance Program H.R. 4365 Federal Insurance Mandates H.R. 4416 Weather and Disaster Mitigation H.R. 4494 Flood Insurance H.R. 4801 Artificial Intelligence H.R. 4861 Flood Mitigation H.R. 5484 Flood Insurance H.R. 5500 Flood Insurance H.R. 5504 Flood Insurance H.R. 5574 Flood Insurance H.R. 5577 Flood Insurance H.R. 5607 Flood Insurance H.R. 5608 Flood Insurance H.R. 5633 Crop Insurance S. 2266 Federal Insurance Mandates S. 2313 Flood Insurance S. 2528 Artificial Intelligence S. 2538 Flood Mitigation S. 2931 Flood Insurance S. 2946 Flood Insurance

Client expense: $1,410,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), SENATE, Treasury, Dept of

S.128, Primary Care Enhancement Act H.R.5688, the Bipartisan HSA Improvement Act of 2023 H.R. 548, HSA Modernization Act CARES Act provision reinstating the HDHP-HSA telehealth safe harbor National Flood Insurance Program H.R.5535, Insurance Data Protection Act Terrorism Risk Insurance Act Reauthorization H.R. 5577, the NFIP Extension Act of 2026 Legislation to expand access to Health Savings Accounts

Client expense: $1,700,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 471 - Fix Our Forests Act H.R. 501 - Promoting Resilient Buildings Act of 2025 H.R. 550 - Wildfire Insurance Coverage Study Act of 2025 H.R. 827 - Homeowners Defense Act of 2025 H.R. 1923 - Modernizing Wildfire Safety and Prevention Act of 2025 H.R. 2123 - NFIP Extension Act of 2025 H.R. 2250 - National Landslide Preparedness Act Reauthorization Act H.R. 2568 - To require an earthquake resilience risk assessment, and for other purposes H.R. 2822 - To extend the National Flood Insurance Program through December 31, 2026. H.R. 3176 - National Volcano Early Warning and Monitoring System Reauthorization Act H.R. 3168 - National Earthquake Hazards Reduction Program Reauthorization Act H.R. 4073 - Tsunami Warning, Research, and Education Act of 2025 H.R. 4669 - FEMA Act of 2025 H.R. 5079 - Widespread Information Management for the Welfare of Infrastructure and Government Act H.R. 5450 - Continuing Appropriations and Extensions and Other Matters Act, 2026 H.R. 5484 - National Flood Insurance Program Reauthorization and Reform Act of 2025 H.R. 5574 - To extend the National Flood Insurance Program through November 21, 2025. H.R. 5577 - NFIP Extension Act of 2026 H.R. 5608 - To ensure that Write Your Own companies can sell private flood insurance products that compete with National Flood Insurance Program products. H.R. 5794 - FEMA Operations Continuity Act of 2025 H.R. 5848 - NFIP Retroactive Renewal and Reauthorization Act H.R. 6560 - To amend the National Flood Insurance Act of 1968 to provide for the automatic contingent extension of the National Flood Insurance Program, and for other purposes. H.R. 6620 - To amend the National Flood Insurance Act of 1968 to allow for the consideration of private flood insurance for the purposes of applying continuous coverage requirements, and for other purposes. S. 120 - Disaster Housing Reform for American Families Act S. 320 - National Earthquake Hazards Reduction Program Reauthorization Act S. 824 - NFIP Extension Act of 2025 S. 1015 - A bill to extend the National Flood Insurance Program through December 31, 2026. S. 1052 - National Volcano Early Warning and Monitoring System Reauthorization Act S. 1337 - Cybersecurity Information Sharing Extension Act S. 1462 - Fix Our Forests Act S. 1545 - Repeatedly Flooded Communities Preparation Act S. 1626 - National Landslide Preparedness Act Reauthorization Act S. 2053 - A bill to ensure that Write Your Own companies can sell private flood insurance products that compete with National Flood Insurance Program products. S. 2054 - Flood Insurance Consumer Choice Act of 2025 S. 2931 - NFIP Extension Act S. 2946 - NFIP Extension Act S. 3151 - National Flood Insurance Program Automatic Extension Act of 2025 Disaster mitigation legislation Federal property insurance or reinsurance program legislation Incorporating National Support for Unprecedented Risks and Emergencies (INSURE) Act National Coordination on Adaptation and Resilience for Security (NCARS) Act National Flood Insurance Program reauthorization, reform, debt cancellation, risk sharing, and reinsurance legislation National Windstorm Impact Reduction Program reauthorization To allow for the consideration of private flood insurance for the purposes of applying continuous coverage requirements legislation

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

Government targets: Executive Office of the President (EOP), Federal Emergency Management Agency (FEMA), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), SENATE, Small Business Administration (SBA), Treasury, Dept of

Federal regulation of homeowners insurance; Flood insurance, H.R.5577, NFIP Extension Act of 2026; Wildfire prevention, response, and resiliency; Extreme weather and flood mitigation and resiliency; Federal Insurance Office improvements; FY2026 appropriations process; H.R.471, Fix Our Forests Act; TRIA Program Reauthorization Act of 2025 (draft legislation).

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Public policies affecting risk management for flood, terrorism, disaster, cyber, business interruption, liability, builders risk, workers compensation, pandemic and the cost and availability of insurance utilized by multifamily firms. Issues pertaining to the rising cost of insurance for multifamily housing providers and its impact on housing affordability. Issues pertaining to pre-disaster mitigation and climate resiliency efforts. National Flood Insurance Program policies, guidance, and requirements affecting existing and future multifamily and single-family properties. Extension of National Flood Insurance Program. Reauthorization of Terrorism Risk Insurance Program. H.R., 5371, Continuing Appropriations and Extensions Act, 2026, making continuing appropriations and extensions for fiscal year 2026, and for other purposes, Division A--Continuing Appropriations Act, 2026, Sec 101. as it pertains to an extension of the National Flood Insurance Program. H.R. 5577, NFIP Extension Act of 2026, to amend the National Flood Insurance Act of 1968 to reauthorize the National Flood Insurance Program, all provisions.

Client expense: $1,560,000 · Firm income: Not reported

Government targets: Executive Office of the President (EOP), Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE, Treasury, Dept of, White House Office

H.R.292 - To amend the Federal Crop Insurance Act to require the Federal Crop Insurance Corporation to carry out research and development regarding a policy to insure table, wine, and juice grapes against losses due to a freeze event, and for other purposes. H.R.550 - To require the Government Accountability Office to conduct a study regarding insurance coverage for damages from wildfires, and for other purposes. H.R.643 - To eliminate the Federal Insurance Office of the Department of the Treasury, and for other purposes. H.R.827 - To ensure the availability and affordability of homeowners' insurance coverage for catastrophic events. H.R.1481 - 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. H.R.2123 - To amend the National Flood Insurance Act of 1968 to reauthorize the National Flood Insurance Program. S.586 - A bill to amend the Internal Revenue Code of 1986 to provide an advance refundable credit to offset certain flood insurance premiums, and for other purposes. S.824 - A bill to reauthorize the National Flood Insurance Program. H.R.2547 - To amend the Internal Revenue Code of 1986 to exclude debt held by certain insurance companies from capital assets and to extend capital loss carryovers for such companies from 5 years to 10 years. H.R.2567 - To amend the Internal Revenue Code of 1986 to provide special rules for purposes of determining if financial guaranty insurance companies are qualifying insurance corporations under the passive foreign investment company rules. H.R.2822 - To extend the National Flood Insurance Program through December 31, 2026. H.R.3437 - To prohibit the Federal Insurance Office of the Department of the Treasury and other financial regulators from collecting data directly from an insurance company. H.R.3664 - To prohibit private passenger automobile insurers from using certain income proxies to determine insurance rates and eligibility. H.R.3800 - To amend the National Flood Insurance Act of 1968 to prohibit the deferral of the issuance of letters of map revision based on the placement of fill or conditional letters of map revision based on the placement of fill, and for other purposes. H.R.2774 - To amend section 5 of the Flood Control Act of 1941 to impose a deadline for initiating the repair or restoration of project under such section, and for other purposes. H.R.3300 - To amend the Federal Water Pollution Control Act to clarify that a permit is not required under the National Pollutant Discharge Elimination System for a discharge resulting from the aerial application of certain products used for fire control and suppression, and for other purposes. S.1271 - A bill to amend the Federal Agriculture Improvement and Reform Act of 1996 with respect to transitioning producers from the noninsured crop assistance program to the whole farm revenue insurance plan. S.2053 - A bill to ensure that Write Your Own companies can sell private flood insurance products that compete with National Flood Insurance Program products. S.2054 - A bill to allow National Flood Insurance Program policyholders who leave the program to purchase a private insurance flood policy to return to the National Flood Insurance Program without penalty, and for other purposes. S.1437 - A bill to require the Administrator of the National Aeronautics and Space Administration to establish a program to identify, evaluate, acquire, and disseminate commercial Earth remote sensing data and imagery in order to satisfy the scientific, operational, and educational requirements of the Administration, and for other purposes. H.R.5574 - To extend the National Flood Insurance Program through November 21, 2025. H.R.5577 - NFIP Extension Act of 2026 H.R.5607 - Flood Insurance Transparency Act of 2025 H.R.5608 - To ensure that Write Your Own companies can sell private flood insurance products that compete with National Flood Insurance Program products. H.R.5500 - To make administrative reforms to the National Flood Insurance Program to increase fairness and accuracy and protect the taxpayer from program fraud and abuse, and for other purposes. H.R.5503 - To require the Federal Emergency Management Agency to establish a Territorial Disaster Recovery Program to continuously identify, monitor, and address factors and capability gaps that hinder the execution and completion of recovery activities relating to major disasters by eligible entities located in the territories of the United States. H.R.5504 - To amend the Internal Revenue Code of 1986 to allow for a credit against tax for certain flood insurance expenses. H.R.5229 - To provide for improvements to National Flood Insurance Program rate maps, and for other purposes. H.R.4735 - Business of Insurance Regulatory Reform Act of 2025 H.R.4504 - To require the Secretary of the Treasury to establish a catastrophic property loss reinsurance program, and for other purposes. S.2931 - A bill to reauthorize the National Flood Insurance Program. S.2946 - A bill to reauthorize the National Flood Insurance Program. S.2349 - A bill to require the Secretary of the Treasury to establish a catastrophic property loss reinsurance program, and for other purposes. S.2419 - Business of Insurance Regulatory Reform Act of 2025 H.R.5697 - To adjust the effective date of any adjustment based on Consumer Price Index to rail passenger liability cap that occurs during calendar year 2026. H.R.5848 - NFIP Retroactive Renewal and Reauthorization Act H.R.5961 - To increase the availability of flood insurance for agricultural structures, and for other purposes. H.R.5990 - To require the Secretary of Housing and Urban Development to establish a pilot program to provide grants to implementing organizations to administer a whole-home repairs program for eligible homeowners and eligible landlords, and for other purposes. H.R.6086 - To provide for funding from the Aviation Insurance Revolving Fund to continue certain Federal Aviation Administration activities in the event of a Government shutdown, and for other purposes. H.R.6155 - Federal Carjacking Enforcement Act H.R.6256 - To amend the Homeowner Flood Insurance Affordability Act of 2014 to address ecosystem restoration projects, and for other purposes. H.R.6274 - To establish a Natural Disaster Risk Reinsurance Program, and for other purposes. H.R.6560 - To amend the National Flood Insurance Act of 1968 to provide for the automatic contingent extension of the National Flood Insurance Program, and for other purposes. H.R.6620 - To amend the National Flood Insurance Act of 1968 to allow for the consideration of private flood insurance for the purposes of applying continuous coverage requirements, and for other purposes.

Client expense: $465,758 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

NFIP Reauthorization (generally); HR.2123/S.824 - NFIP Extension Act of 2025; HR.643 - Federal Insurance Office Elimination Act; FHFA Property Insurance Requirements; S.1545 - Repeatedly Flooded Communities Preparation Act; HR.3437/S.1544 - Insurance Data Protection Act; HR.4494/S.2313 - The Flood Insurance Relief Act; HR.4735/S.2419 - Business of Insurance Regulatory Reform Act; HR.5577 - NFIP Extension Act of 2026; HR.6620 - To amend the National Flood Insurance Act of 1958 with continuous coverage requirements

Client expense: $130,000 · Firm income: Not reported

Government targets: Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, SENATE

Protect the credit union tax exemption Support legislation and regulation that advance credit unions and their over 144 million members Support regulatory relief for credit unions Support holistic evaluation of regulatory burden on credit unions Support credit union field of membership expansion and modernization Support regulator- and bank-approved credit union-bank mergers Support financial inclusion and increased access to financial services Support modifying the credit union member business lending cap Support NCUAs existence as an independent regulator and insurer of credit unions Support assistance for minority depository institution credit unions Support regulatory relief for de novo credit unions Support harmonization of federal cyber incident notification standards Oppose Community Reinvestment Act requirements for credit unions Oppose legislative action to restrict credit union overdraft and courtesy pay programs Support regulatory framework for artificial intelligence that allows responsible innovation and recognizes credit unions compliance with existing regulations Support allowing use of artificial intelligence for regulatory reporting purposes Support mandatory arbitration agreements Oppose national interest rate cap Support Federal Credit Union Act modernization Support expanded natural person and corporate credit union investment authority Support expanded credit union examination cycle Support increased examination transparency Support Central Liquidity Facility and Community Development Revolving Loan Fund enhancements Oppose NCUA examination of credit union vendors Support modification of credit union loan maturity limits Oppose National Credit Union Share Insurance Fund structural changes Oppose National Credit Union Share Insurance Fund premium assessment Support parity in deposit insurance coverage levels between credit unions and banks Oppose additional Call Report fields on loans to credit union officials and senior executive staff Oppose additional Call Report fields on maturity distribution of uninsured shares Oppose making changes to Call Report requirements without using notice-and-comment process Oppose NCUA Call Report collection of overdraft and NSF fee revenue data Support modernization and simplification of Call Report form and instructions Support rescission of NCUA overdraft and NSF fee guidance Oppose collection of vendor information in NCUA Credit Union Profile Oppose changes to NCUA collection forms outside rulemaking process Support NCUA review of normal operating level and methodology Support NCUA action to permit credit union reimbursement of childcare expenses for federal credit union board meetings Oppose NCUA acting as a climate regulator Oppose NCUA rule on succession planning Oppose NCUA rule on record retention Oppose excessive NCUA requirements for supervisory committee audits Support NCUA recognition of digital banking in service facility definition Support clarification of NCUA member expulsion regulations Support NCUA proposed rule on increasing overdraft flexibility Support NCUA recognition of government sponsored enterprises as government agencies for loan maturity limit purposes Support NCUA adoption of floating interest rate cap Support modification of NCUA commercial loan definition Support increased flexibility in NCUA occupancy requirements Support NCUA action to clarify loan participation limits Support NCUA modification of low-income designation process Support expanding NCUA qualified charity definition Support allowing greater weighted average life for corporate credit unions financial assets Support extension of maturity limit for corporate credit union borrowing Support NCUA action to reduce scope of supervisory committee examination Support NCUA adopting limited retention period for operational records Support increased flexibility for advertising and notice of insured status Oppose proposed incentive-based compensation rule Support increased compliance timeline for NCUA simplification of share insurance rule Support removing reputational risk as a component of credit union examinations Support balanced implementation of debanking executive order Support increased NCUA efforts to promote credit union industry Support modernization and streamlining of NCUA operations Support NCUA supervisory flexibility for credit union shutdown assistance efforts Support NCUA action to modernize CAMELS rating system Support modernization of NCUA fidelity bond review requirements Support making CFPB subject to regular appropriations process Support increased CFPB budget transparency Support restructuring CFPB leadership to a bipartisan commission Support creation of a CFPB Inspector General Support reforms to CFPB Civil Investigative Demand process Support increasing asset thresholds for CFPB supervision of credit unions Support clarification of CFPB unfair, deceptive, or abusive acts and practices authority Support CFPB use of Section 1022 authority to exempt credit unions from certain regulations Support CFPB oversight and monitoring of nonbank entities Oppose CFPB efforts to avoid requirements of the rulemaking process Support CFPB use and disclosure of relevant data in rulemakings Support CFPB use of cost-benefit analysis in rulemaking process Support CFPB policies to promote innovation and access to credit Support CFPB coordination with NCUA on policy matters and examination scheduling Oppose mislabeling financial services fees as junk fees Oppose arbitrary limits on credit union fee income Oppose CFPB efforts to restrict information in credit reports Oppose CFPB efforts to manipulate consumer complaint data Support CFPB engaging in ongoing retrospective review of past regulations Support CFPB consumer complaint database reforms Support CFPB no-action letter program with extended timeline and increased protection of sensitive strategic information Oppose CFPB action to prohibit use of certain contractual terms and conditions Oppose expansion of consumer report and consumer reporting agency definitions under the Fair Credit Reporting Act/Regulation V Support consumer protection regulations for buy-now-pay-later loan providers Support inclusion of buy-now-pay-later loans in FHA underwriting Support CFPB use of Civil Penalty Fund for consumer financial education Support increase of Home Mortgage Disclosure Act reporting thresholds Support removal of disparate impact analysis from Regulation B and modification of discouragement standard Support credit union access to universal service fund letters of credit program Support recognition of unique credit union structure in Financial Data Transparency Act joint data standards Support federal data privacy and security standard that exempts Gramm-Leach-Bliley Act covered institutions, preempts state laws, operates on an opt-out basis, recognizes the complexity of data deletion, and does not authorize private right of action Support increased transparency for fintech bank charter applications Support Treasury development of model forms and qualified vehicle list for auto loan interest deduction Support safe harbor for credit unions related to the auto loan interest deduction Support clarification of remittance transfer tax exemptions Support inclusion of credit unions in Trump Accounts program Oppose development of a central bank digital currency Support credit union access to Federal Reserve liquidity options Support gradual expansion of Fedwire and National Settlement Service operating hours with optional participation Oppose addition of fourth same-day ACH window Support expanded flexibility for accessing the Fed discount window and intraday credit Oppose expanded eligibility for Federal Reserve master account access Oppose Regulation II debit interchange fee cap Oppose Federal Reserve proposed rule on modifying Regulation II debit interchange cap Support improvements to the Federal Reserves Debit Card Issuer Survey Oppose legislative action to impose caps or restrictions on debit or credit interchange fees Oppose legislative action to prohibit the Federal Reserve from paying interest on reserves Support Federal Reserve action to coordinate regulatory guidance on penny circulation issues and management of penny supply Oppose expansion of Electronic Fund Transfer Act/Regulation E financial institution liability Support fair distribution of Electronic Fund Transfer Act/Regulation E error resolution responsibilities Oppose Electronic Fund Transfer Act/Regulation E liability for financial institutions for consumer-authorized transactions Support clarification of funds definition under Electronic Fund Transfer Act/Regulation E Support clarification of Electronic Fund Transfer Act/Regulation E treatment of digital assets Support increased flexibility for check holds and funds availability requirements Support transition to electronic payments for government payments Support consumer education on transition to electronic payments Support clarification of information sharing safe harbor for identifying and preventing payments fraud Support greater flexibility for credit unions to decline services with clear indica of fraud or elder abuse Support parity for credit union provision of digital asset services Prevent competitive disadvantages for credit unions and market distortions related to the integration of digital assets into traditional financial products Support Treasury and NCUA action to implement regulatory framework for stablecoin issuance Support parity for credit unions related to stablecoin regulation Support NCUAs role as primary regulator of credit unions stablecoin activities Oppose treating stablecoins or digital assets as federally insured Support digital assets guardrails to prevent deposit outflows Support clarifying credit unions authority to provide custodial services for their members Support safeguards for rehypothecation of digital assets Support reduced government-sponsored enterprises costs for credit union mortgages Support secondary mortgage market access for credit unions Support continued role for FHFA as an independent regulator Support credit union access to Federal Home Loan Bank system Support expansion of Federal Home Loan Bank Act community financial institution definition Support Federal Home Loan Bank engagement with credit unions Oppose adoption of volume-based incentives for Federal Home Loan Banks Oppose policy changes to limit access to Federal Home Loan Bank liquidity Support Federal Home Loan Bank allocations to the Affordable Housing Program Support FinCEN implementation of the Corporate Transparency Act Support additional time to implement anti-money laundering/countering financing of terrorism program changes and publication of guidance Support increasing Currency Transaction Report and Suspicious Activity Report filing thresholds Support streamlining Currency Transaction Report and Suspicious Activity Report forms Support increased inclusion of identifiable information in Section 314(a) information requests Support consistency between NCUA and FinCEN requirements on Bank Secrecy Act compliance Support FinCEN survey to accurately measure Bank Secrecy Act compliance costs Support DOD clarification of Military Lending Act and Servicemembers Civil Relief Act requirements Support standardized disclosures and financial literacy briefings for servicemembers Support credit union access to nominal leases on military installations Oppose nominal leases for banks on military installations Oppose legislative action on the Overseas Military Banking Program Oppose inclusion of interchange or interest rate cap amendments in the National Defense Authorization Act Support federal share insurance for all credit unions acting as fiscal agents of the U.S. government Support role of Community Development Financial Institutions Fund in promoting economic growth and access to capital in underserved communities Support access to Community Development Financial Institutions Fund awards and technical assistance for credit unions Support Community Development Financial Institutions Fund bond guarantee program Support Community Development Financial Institutions Fund liquidity enhancement pilot program Support disbursement of all Community Development Financial Institution Fund appropriated award funding Support timely completion of Emergency Capital Investment Program disposition agreements Oppose CFPB rulemaking on contract terms and conditions Oppose reclassification of credit header information as a consumer report Oppose reliance on single source of documentation to determine instances of identity theft or coerced debt Oppose use of interim final rule to modify personal financial data rights requirements Support modification of Section 1033 rule to allow data providers to charge fees, remove prescriptive technology standards, and establish data privacy standards and allocation of liability Support increased reporting and small business revenue threshold and elimination of discretionary data points collection in revised Section 1071 rule Support modernization of e-signature requirements Support allowing electronic or documented oral credit card applications Support increased flexibility for disclosures Support rescission of CFPB payday lending rule payment provisions Support modification of FCC revocation of consent rule Support greater flexibility for FCC fraud alert exemption Support uniform federal standards and increased federal preemption of state laws on interchange, data privacy, artificial intelligence, and elder financial abuse reporting Issues related to housing finance reform Issues related to flood insurance Issues related to privately insured credit unions Issues related to credit union capital requirements Issues related to credit union conversions Issues related to credit unions as employers Issues related to the Foreign Account Tax Compliance Act Issues related to fair lending Issues related to the Telephone Consumer Protection Act Support Credit Union Board Modernization Act (H.R. 975; S. 522) Support 1071 Repeal to Protect Small Business Lending Act (H.R. 976; S. 557) Support Making the CFPB Accountable to Small Businesses Act (H.R. 1606) Support Financial Integrity and Regulation Management Act (S. 875; H.R. 2702; Senate Amendment 3104) Support Fair Audits and Inspections for Regulators Act (H.R. 940) Support Anti-CBDC Surveillance State Act (H.R. 1919; S. 1124) Support Veterans Member Business Loan Act (H.R. 507; S. 110; Senate Amendment 3776) Support Taking Account of Bureaucrats Spending Act (H.R. 654) Support Rectifying UDAAP Act (H.R. 1652) Support Civil Investigative Demand Reform Act (H.R. 1653) Support SECURE Notarization Act (H.R. 1777; S. 1561) Support Increasing Credit Union Lending for Business Growth Act (H.R. 1791) Support Financial Reporting Threshold Modernization Act (H.R. 1799; Amendment 715 to H.R. 3838) Support Home of Your Own Act (H.R. 2064) Support Homes for Every Local Protector, Educator, and Responder Act (H.R. 2094; S. 978) Support CFPB Dual Mandate and Economic Analysis Act (H.R. 2183) Support Transparency in CFPB Cost-Benefit Analysis Act (H.R. 2331) Support CFPB-IG Reform Act (H.R. 2513) Support Homebuyers Privacy Protection Act (H.R. 2808; S. 1467) Support Financial Institution Regulatory Tailoring Enhancement Act (H.R. 3230) Support Halting Uncertain Methods and Practices in Supervision Act (H.R. 3379) Support Taking Account of Institutions with Low Operation Risk Act (H.R. 3380) Support Bureau of Consumer Financial Protection Commission Act (H.R. 3445) Support Expanding Access to Lending Options Act (H.R. 4167) Support CDFI Bond Guarantee Program Improvement Act (S. 1880) Support Taskforce for Recognizing and Averting Payment Scams Act (H.R. 4936; S. 2019; Senate Amendment 3257) Support Capping Excessive Awarding of SBLC Entrants Act (H.R. 2987) Support Expanding Access to Lending Options Act (H.R. 4167) Support Supervisory Modifications for Appropriate Risk-Based Testing Act (H.R. 4437) Support Stop Agency Fiat Enforcement Act (H.R. 4460) Support American Access to Banking Act (H.R. 4544) Support Protecting Access to Credit for Small Businesses Act (S. 2486) Support Business of Insurance Regulatory Reform Act (H.R. 4735; S. 2419) Support NCUA Central Liquidity Facility Enhancement Act (S. 2545; Senate Amendment 3722) Support CDFI Fund Transparency Act (S. 2704; Senate Amendments 3640, 3732) Support Supporting Upgraded Property Projects and Lending for Yards Act (H.R. 4568) Support Unleashing AI Innovation in Financial Services Act (H.R. 4801) Support AI Practices, Logistics, Actions, and Necessities Act (H.R. 2152) Support Streamlining Transaction Reporting and Ensuring Anti-Money Laundering Improvements for a New Era Act (S. 3017) Support NFIP Continuation Act (H.R. 5577) Support Housing for the 21st Century Act (H.R. 6644) Support Regulatory Efficiency, Verification, Itemization, and Enhanced Workflow Act (H.R. 6544) Support inclusion of guidance on penny circulation in Common Cents Act (H.R. 3074) Support parity for credit unions in Digital Asset Market Clarity Act (H.R. 3633) Support modification of Section 705 in Renewing Opportunity in the American Dream to Housing Act (S. 2651) Oppose 10 Percent Credit Card Interest Rate Cap Act (H.R. 1944; S. 381; Senate Amendment 2239) Oppose Credit Card Competition Act (Senate Amendments 2229, 2230, 2345) Oppose commissary interchange fee study (Senate Amendment 3216) Oppose End the Feds Big Bank Bailout Act (S. 2113; Senate Amendment 3761)

Client expense: $1,060,000 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), Defense, Dept of (DOD), Executive Office of the President (EOP), Federal Communications Commission (FCC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Financial Crimes Enforcement Network (FinCEN), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Justice, Dept of (DOJ), Natl Credit Union Administration (NCUA), Natl Economic Council (NEC), Office of Management & Budget (OMB), SENATE, Small Business Administration (SBA), Treasury, Dept of

H.R.292 - To amend the Federal Crop Insurance Act to require the Federal Crop Insurance Corporation to carry out research and development regarding a policy to insure table, wine, and juice grapes against losses due to a freeze event, and for other purposes. H.R.550 - To require the Government Accountability Office to conduct a study regarding insurance coverage for damages from wildfires, and for other purposes. H.R.643 - To eliminate the Federal Insurance Office of the Department of the Treasury, and for other purposes. H.R.827 - To ensure the availability and affordability of homeowners' insurance coverage for catastrophic events. H.R.1481 - 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. H.R.2123 - To amend the National Flood Insurance Act of 1968 to reauthorize the National Flood Insurance Program. S.586 - A bill to amend the Internal Revenue Code of 1986 to provide an advance refundable credit to offset certain flood insurance premiums, and for other purposes. S.824 - A bill to reauthorize the National Flood Insurance Program. H.R.2547 - To amend the Internal Revenue Code of 1986 to exclude debt held by certain insurance companies from capital assets and to extend capital loss carryovers for such companies from 5 years to 10 years. H.R.2567 - To amend the Internal Revenue Code of 1986 to provide special rules for purposes of determining if financial guaranty insurance companies are qualifying insurance corporations under the passive foreign investment company rules. H.R.2822 - To extend the National Flood Insurance Program through December 31, 2026. H.R.3437 - To prohibit the Federal Insurance Office of the Department of the Treasury and other financial regulators from collecting data directly from an insurance company. H.R.3664 - To prohibit private passenger automobile insurers from using certain income proxies to determine insurance rates and eligibility. H.R.3800 - To amend the National Flood Insurance Act of 1968 to prohibit the deferral of the issuance of letters of map revision based on the placement of fill or conditional letters of map revision based on the placement of fill, and for other purposes. H.R.2774 - To amend section 5 of the Flood Control Act of 1941 to impose a deadline for initiating the repair or restoration of project under such section, and for other purposes. H.R.3300 - To amend the Federal Water Pollution Control Act to clarify that a permit is not required under the National Pollutant Discharge Elimination System for a discharge resulting from the aerial application of certain products used for fire control and suppression, and for other purposes. S.1271 - A bill to amend the Federal Agriculture Improvement and Reform Act of 1996 with respect to transitioning producers from the noninsured crop assistance program to the whole farm revenue insurance plan. S.2053 - A bill to ensure that Write Your Own companies can sell private flood insurance products that compete with National Flood Insurance Program products. S.2054 - A bill to allow National Flood Insurance Program policyholders who leave the program to purchase a private insurance flood policy to return to the National Flood Insurance Program without penalty, and for other purposes. S.1437 - A bill to require the Administrator of the National Aeronautics and Space Administration to establish a program to identify, evaluate, acquire, and disseminate commercial Earth remote sensing data and imagery in order to satisfy the scientific, operational, and educational requirements of the Administration, and for other purposes. H.R.5574 - To extend the National Flood Insurance Program through November 21, 2025. H.R.5577 - NFIP Extension Act of 2026 H.R.5607 - Flood Insurance Transparency Act of 2025 H.R.5608 - To ensure that Write Your Own companies can sell private flood insurance products that compete with National Flood Insurance Program products. H.R.5500 - To make administrative reforms to the National Flood Insurance Program to increase fairness and accuracy and protect the taxpayer from program fraud and abuse, and for other purposes. H.R.5503 - To require the Federal Emergency Management Agency to establish a Territorial Disaster Recovery Program to continuously identify, monitor, and address factors and capability gaps that hinder the execution and completion of recovery activities relating to major disasters by eligible entities located in the territories of the United States. H.R.5504 - To amend the Internal Revenue Code of 1986 to allow for a credit against tax for certain flood insurance expenses. H.R.5229 - To provide for improvements to National Flood Insurance Program rate maps, and for other purposes. H.R.4735 - Business of Insurance Regulatory Reform Act of 2025 H.R.4504 - To require the Secretary of the Treasury to establish a catastrophic property loss reinsurance program, and for other purposes. S.2931 - A bill to reauthorize the National Flood Insurance Program. S.2946 - A bill to reauthorize the National Flood Insurance Program. S.2349 - A bill to require the Secretary of the Treasury to establish a catastrophic property loss reinsurance program, and for other purposes. S.2419 - Business of Insurance Regulatory Reform Act of 2025

Client expense: $442,147 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

**Issues lobbied without specific bill number: Crop Insurance and Wildfire **Issues lobbied without specific bill number: National Flood Insurance Program **Issues lobbied without specific bill number: Implementation of Risk-Rating 2.0 **Issues lobbied without specific bill number: SAFE Banking Act **Issues lobbied without specific bill number: Business of Insurance **Issues lobbied without specific bill number: Credit-based Insurance Underwriting **Issues lobbied without specific bill number: FAA Reauthorization **Issues lobbied without specific bill number: Farm Bill Reauthorization **Issues lobbied without specific bill number: Cyber Insurance **Issues lobbied without specific bill number: CFPB Insurance Exclusion **Issues lobbied without specific bill number: Diversity, Equity, and Inclusion **Issues lobbied without specific bill number: Insurance Requirements for GSE Loans H.R. 550 GAO Study Regarding Insurance Coverage for Damages from Wildfire H.R. 1164 Insurance Claims During Disasters H.R. 1593 Disaster Insurance S. 824 The National Flood Insurance Program H.R. 643 Federal Insurance Office Elimination H.R. 2822 National Flood Insurance Program H.R. 3161 Flood Insurance H.R. 3437 Insurer Data Collection H.R. 3973 Federal Insurance Policy S. 1544 Data Access and Privacy S. 2052 Flood Insurance Issues S. 2053 Flood Insurance Issues S. 2054 Flood Insurance Issues **Issues lobbied without specific bill number: Terrorism Risk Insurance Program H.R. 4365 Federal Insurance Mandates H.R. 4416 Weather and Disaster Mitigation H.R. 4494 Flood Insurance H.R. 4801 Artificial Intelligence H.R. 4861 Flood Mitigation H.R. 5484 Flood Insurance H.R. 5500 Flood Insurance H.R. 5504 Flood Insurance H.R. 5574 Flood Insurance H.R. 5577 Flood Insurance H.R. 5607 Flood Insurance H.R. 5608 Flood Insurance H.R. 5633 Crop Insurance S. 2266 Federal Insurance Mandates S. 2313 Flood Insurance S. 2528 Artificial Intelligence S. 2538 Flood Mitigation S. 2931 Flood Insurance S. 2946 Flood Insurance

Client expense: $1,410,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), SENATE, Treasury, Dept of

NFIP Reauthorization (generally); HR.2123/S.824 - NFIP Extension Act of 2025; HR.643 - Federal Insurance Office Elimination Act; FHFA Property Insurance Requirements; S.1545 - Repeatedly Flooded Communities Preparation Act; HR.3437/S.1544 - Insurance Data Protection Act; HR.4494/S.2313 - The Flood Insurance Relief Act; HR.4735/S.2419 - Business of Insurance Regulatory Reform Act; HR.5577 - NFIP Extension Act of 2026

Client expense: $190,000 · Firm income: Not reported

Government targets: Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, SENATE