Federal Insurance Office Elimination Act

Congressional efforts to better understand commercial use of artificial intelligence and its impact on consumers. Issues relating to reauthorization of the National Flood Insurance Program. Issues relating to the future of the Federal Insurance Office's (e.g., H.R. 643) with an emphasis on eliminating or constraining undue regulatory burdens (H.R. 3437 Insurance Data Protection Act). Issues relating to systemic risk, including the Financial Stability Oversight Council's (FSOC) oversight of insurance issues. Issues relating to the use of artificial intelligence (AI) in insurance, including an AI moratorium and the Great American AI Act discussion draft. Issues relating to climate-related property damage and impacts on insurance markets. Issues relating to state-based insurance regulation under the McCarran-Ferguson Act and federal initiatives impacting McCarran. Issues relating to macroeconomic factors influencing the affordability and availability of insurance. Issues relating to disaster resiliency and expanding coverage for hazard mitigation. Issues relating to the insurance industry's response to recent disasters, including wildfires and hurricanes and federal aid to disaster victims. Issues relating to effective and efficient federal response to natural disasters. Issues relating to use of credit-based insurance scoring (CBIS) in homeowners insurance.

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

Government targets: Environmental Protection Agency (EPA), Federal Emergency Management Agency (FEMA), Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, SENATE, Small Business Administration (SBA), Treasury, Dept of

H.R. 643 - Federal Insurance Office Elimination Act. Federal Insurance Office legislation. S.2349, INSURE Act; H.R. 4504, INSURE Act. Legislation to create a federal property insurance or reinsurance program. International insurance legislation. Terrorism Risk Insurance legislation. H.R. 7128, TRIA Program Reauthorization Act of 2026; S.4395, Terrorism Risk Insurance Program Reauthorization Act of 2026.

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

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

H.R. 643 - Federal Insurance Office Elimination Act H.R. 3437 - Insurance Data Protection Act H.R. 4504 - Incorporating National Support for Unprecedented Risks and Emergencies (INSURE) Act H.R. 6274 - Natural Disaster Risk Reinsurance Program Act H.R. 7128 - TRIA Program Reauthorization Act of 2026 H.R. 7130 - McCarran-Ferguson Restoration Act H.R. 10471 - Clarifying Law Around Insurance of Marijuana (CLAIM) Act H.R. ___ - Taxpayer Exposure and Risk Reduction Act H.R. ___ - Terrorism Risk Insurance Program Reauthorization Act of 2025 (Rep. Waters) S. 1544 - Insurance Data Protection Act S. 2349 - Incorporating National Support for Unprecedented Risks and Emergencies (INSURE) Act S. 4395 - Terrorism Risk Insurance Program Reauthorization Act of 2026 S. 5106 - Wildfire Insurance Affordability Act S. 5158 - Federal Insurance Office Abolishment Act of 2026 S. 5049 - Clarifying Law Around Insurance of Marijuana (CLAIM) Act Federal Insurance Office legislation International insurance legislation Private equity and insurance legislation

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

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

General insurance issues, including issues related to insurance benefits Risk weighting of non-public insurers under potential banking regulations H.R. 3437/S. 1544 - Insurance Data Protection Act. The bill would 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. 643 - Federal Insurance Office Elimination Act; Issues related to the elimination of the FIO office. General education on investment and asset liability matching.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HR1397 Increasing Access to Dental Insurance Act: Summary is in progress. To allow additional individuals to enroll in standalone dental plans offered through Federal Exchanges. HR 643 Federal Insurance Office Elimination Act. To eliminate the Federal Insurance Office of the Department of the Treasury, and for other purposes. S1164 Expand Dental Coverage on Federal Exchanges. A bill to allow additional individuals to enroll in standalone dental plans offered through Federal Exchanges. H.R.3089 - More Paid Leave for More Americans Act - to direct the Secretary of Labor to carry out a grant program to award grants to States to carry out a paid family leave program, to establish the Interstate Paid Leave Action Network, and for other purposes. H.R.3090- I-PLAN Act of 2025 - To establish the Interstate Paid Leave Action Network to provide support and incentives for the development and adoption of an interstate agreement that facilitates streamlined benefit delivery, reduced administrative burden, and coordination and harmonization of State paid family and medical leave programs to benefit employees, States, and employers. H.R.3437 / S.1544- Insurance Data protection Act- A bill 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.7130 - McCarran-Ferguson Restoration Act. To eliminate the Federal Insurance Office of the Department of the Treasury and to establish a United States Insurance Representative within the Department of the Treasury, and for other purposes. H.R.7128 - TRIA Program Reauthorization Act of 2026. To extend the Terrorism Risk Insurance Program. S 4395, Terrorism Risk Insurance Program Reauthorization act of 2026

Client expense: $468,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 643 - Federal Insurance Office Elimination Act H.R. 3437 - Insurance Data Protection Act H.R. 4504 - Incorporating National Support for Unprecedented Risks and Emergencies (INSURE) Act H.R. 6274 - Natural Disaster Risk Reinsurance Program Act H.R. 7128 - TRIA Program Reauthorization Act of 2026 H.R. 7130 - McCarran-Ferguson Restoration Act H.R. ___ - Clarifying Law Around Insurance of Marijuana (CLAIM) Act H.R. ___ - Taxpayer Exposure and Risk Reduction Act H.R. ___ - Terrorism Risk Insurance Program Reauthorization Act of 2025 (Rep. Waters) S. 1544 - Insurance Data Protection Act S. 2349 - Incorporating National Support for Unprecedented Risks and Emergencies (INSURE) Act S. 4395 - Terrorism Risk Insurance Program Reauthorization Act of 2026 S. ___ - Clarifying Law Around Insurance of Marijuana (CLAIM) Act Federal Insurance Office legislation International insurance legislation Private equity and insurance legislation

Client expense: $370,000 · 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 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

H.R. 4735/S. 2419 - Business of Insurance Regulatory Reform Act (To amend the Consumer Financial Protection Act of 2010 to clarify the authority of the Bureau of Consumer Financial Protection with respect to persons regulated by a State insurance regulator. Issue: Business of Insurance.) H.R. 643 FIO Elimination Act (This bill eliminates the Federal Insurance Office (FIO) within the Department of the Treasury. The bill also removes the FIO director as a nonvoting member of the Financial Stability Oversight Council.) S. 1544/H.R. 3437 - Insurance Data Protection Act. To prohibit the Federal Insurance Office of the Department of the Treasury and other financial regulators from collecting data directly from an insurance company. Issue: FIO Reform H.R. 4583 and H.R. 4582/S.1552 - Living Donor Protection Act. The bill would promote and protect from discrimination living organ donors. Issue: underwriting. H.R. 3383 - Incentivizing New Ventures and Economic Strength Through Capital Formation (INVEST) Act of 2025. This bill allows a closed-end fund-a portfolio of pooled assets with a limited number of shares traded on an exchange-to increase its investment in private investment funds. Specifically, the Securities and Exchange Commission is prohibited from limiting the sale or listing of securities of a closed-end fund that invests in private investment funds. This bill also apples to a closed-end company treated as a business development company. Issue: Capital formation H.R. 7130 - McCarran-Ferguson Restoration Act. The bill would eliminate the Federal Insurance Office of the Department of the Treasury and establish a United States Insurance Representative within the Department of the Treasury. Issue: FIO Reform.

Client expense: $480,000 · Firm income: Not reported

Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, 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. 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

General discussions S1821/HR3512, Tackling Predatory Litigation Funding Act. Monitor legislation and developments related to climate change. Monitor development of international tax proposals. Monitor discussions and regulatory implementation related to P.L. 119-21, the One Big Beautiful Bill Act. Discussions related to life insurance. Monitor reports regarding US-Swiss tax treaty. General discussions related to H.R. 643, Federal Insurance Office Elimination Act.

Client expense: $480,000 · Firm income: Not reported

Government targets: Executive Office of the President (EOP), HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

General Discussions related to a proposal by the Department of Justice related to updating the Foreign Agents Registration Act. Monitoring of H.R. 5371, Continuing Appropriations, Agriculture, Legislative Branch, Military Construction and Veterans Affairs, and Extensions Act, 2026. Discussions related to Executive Orders regarding federal contractors, tariffs, climate policy. General discussions related to H.R. 643, Federal Insurance Office Elimination Act. General discussions related to the government shutdown.

Client expense: $480,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

General discussions related to property and casualty insurance. General discussions related to cyber. General discussions related to an extension of the debt limit. General discussions on global insurers in the marketplace. Discussions related to hostilities in Iran and impact on marine shipping. Monitor and participate in discussions regarding data privacy and data breach proposals. Discussions regarding autonomous vehicles. General issues related to resilience and mitigation, as related to P&C insurance. General discussions related to the Federal Insurance Office. General discussions on the International Association of Insurance Supervisors. General discussions related to artificial intelligence (AI) and machine learning. General discussions related to the Driver's Privacy Protection Act. General discussion related to cannabis legislation. General discussions on proposals regarding natural catastrophe-related policies, including FEMA. General discussions related to surety. General discussions related to Terrorism Risk Insurance Act (TRIA) reauthorization. General discussions related to H.R. 643, Federal Insurance Office Elimination Act. Monitor Public Health Services Act (PHSA), Internal Revenue Code (IRC), Employee Retirement Income Security Act (ERISA), and Affordable Care Act (ACA) developments. General Discussions related to H.R. 1285/S. 570, Water Infrastructure Subcontractor and Taxpayer Protection Act of 2025. Discussions related to H.R.7128 - TRIA Program Reauthorization Act of 2026 Monitoring of Administrations AI Action Plan and National AI Legislative Framework. Monitor P.L. 119-21, One Big Beautiful Bill Act, and legislative and regulatory actions related to insurance, AI state moratorium provisions. Monitor proposals to modernize the National Flood Insurance Program, and private risk transfer. Monitor developments related to the Administrations Executive Order on Ensuring a National Policy Framework for Artificial Intelligence. Monitor developments related to Name, Image, and Likeness (NIL) policies and regulations. Monitoring of Administrations AI Action Plan. Monitoring of the Artificial Intelligence Risk Evaluation Act of 2025. Discussions related to S.4395 - Terrorism Risk Insurance Program Reauthorization Act of 2026. General discussions related to the H.R. 8800 - National Defense Authorization Act for Fiscal Year 2027. Monitoring of recent House Financial Services Committee RFI on AI Risks and Modernization.

Client expense: $480,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Executive Office of the President (EOP), Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Natl Security Council (NSC), SENATE, State, Dept of (DOS), Treasury, Dept of

H.R. 643 - Federal Insurance Office Elimination Act. Federal Insurance Office legislation. S.2349, INSURE Act; H.R. 4504, INSURE Act. Legislation to create a federal property insurance or reinsurance program. International insurance legislation. Terrorism Risk Insurance legislation. H.R. 7128, TRIA Program Reauthorization Act of 2026; S.4395, Terrorism Risk Insurance Program Reauthorization Act of 2026.

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

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

H.R. 643 - Federal Insurance Office Elimination Act H.R. 3437 - Insurance Data Protection Act H.R. 4504 - Incorporating National Support for Unprecedented Risks and Emergencies (INSURE) Act H.R. 6274 - Natural Disaster Risk Reinsurance Program Act H.R. 7128 - TRIA Program Reauthorization Act of 2026 H.R. 7130 - McCarran-Ferguson Restoration Act H.R. ___ - Clarifying Law Around Insurance of Marijuana (CLAIM) Act H.R. ___ - Taxpayer Exposure and Risk Reduction Act H.R. ___ - Terrorism Risk Insurance Program Reauthorization Act of 2025 (Rep. Waters) S. 1544 - Insurance Data Protection Act S. 2349 - Incorporating National Support for Unprecedented Risks and Emergencies (INSURE) Act S. 4395 - Terrorism Risk Insurance Program Reauthorization Act of 2026 S. ___ - Clarifying Law Around Insurance of Marijuana (CLAIM) Act Federal Insurance Office legislation International insurance legislation Private equity and insurance legislation

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

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

General insurance issues, including issues related to insurance benefits Risk weighting of non-public insurers under potential banking regulations H.R. 3437/S. 1544 - Insurance Data Protection Act. The bill would 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. 643 - Federal Insurance Office Elimination Act; Issues related to the elimination of the FIO office. General education on investment and asset liability matching.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Congressional efforts to better understand commercial use of artificial intelligence and its impact on consumers. Issues relating to reauthorization of the National Flood Insurance Program. Issues relating to the future of the Federal Insurance Office's (e.g., H.R. 643) with an emphasis on eliminating or constraining undue regulatory burdens (H.R. 3437 Insurance Data Protection Act). Issues relating to systemic risk, including the Financial Stability Oversight Council's (FSOC) oversight of insurance issues. Issues relating to the use of artificial intelligence (AI) in insurance, including an AI moratorium and the Great American AI Act discussion draft. Issues relating to climate-related property damage and impacts on insurance markets. Issues relating to state-based insurance regulation under the McCarran-Ferguson Act and federal initiatives impacting McCarran. Issues relating to macroeconomic factors influencing the affordability and availability of insurance. Issues relating to the Federal Housing Finance Agency's (FHFA) Seller/Servicer Guide indicating that qualified federally backed loans require replacement cost insurance coverage to be in place. Issues relating to disaster resiliency and expanding coverage for hazard mitigation. Issues relating to the insurance industry's response to recent disasters, including fires and hurricanes. Issues relating to effective and efficient federal response to natural disasters.

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

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

HR1397 Increasing Access to Dental Insurance Act: Summary is in progress. To allow additional individuals to enroll in standalone dental plans offered through Federal Exchanges. HR 643 Federal Insurance Office Elimination Act. To eliminate the Federal Insurance Office of the Department of the Treasury, and for other purposes. S1164 Expand Dental Coverage on Federal Exchanges. A bill to allow additional individuals to enroll in standalone dental plans offered through Federal Exchanges. H.R.3089 - More Paid Leave for More Americans Act - to direct the Secretary of Labor to carry out a grant program to award grants to States to carry out a paid family leave program, to establish the Interstate Paid Leave Action Network, and for other purposes. H.R.3090- I-PLAN Act of 2025 - To establish the Interstate Paid Leave Action Network to provide support and incentives for the development and adoption of an interstate agreement that facilitates streamlined benefit delivery, reduced administrative burden, and coordination and harmonization of State paid family and medical leave programs to benefit employees, States, and employers. H.R.3437 / S.1544- Insurance Data protection Act- A bill 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.7130 - McCarran-Ferguson Restoration Act. To eliminate the Federal Insurance Office of the Department of the Treasury and to establish a United States Insurance Representative within the Department of the Treasury, and for other purposes. H.R.7128 - TRIA Program Reauthorization Act of 2026. To extend the Terrorism Risk Insurance Program.

Client expense: $401,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R.643 - To eliminate the Federal Insurance Office of the Department of the Treasury, and for other purposes. (Troy Downing, R-MT-2) H.R.654 - To change the Bureau of Consumer Financial Protection into an independent agency named the Consumer Financial Empowerment Agency, to transition the Agency to the regular appropriations process, and for other purposes. (Andy Barr, R-KY-6) H.R.731 - To exempt hazardous fuel reduction activities from certain environmental requirements for a 10-year period. (Darrell Issa, R-CA-48) H.R.732 - To require the Administrator of the Federal Emergency Management Agency and the Secretary of Housing and Urban Development to implement certain recommendations made by the Comptroller General with respect to disaster recovery, and for other purposes. (Sara Jacobs, D-CA-51) H.R.736 - To amend title 31, United States Code, to modify the deadline for filing beneficial ownership information reports for reporting companies formed or registered before January 1, 2024. (Zach Nunn, R-IA-3) H.R.743 - To reform and enhance the pay and benefits of Federal wildland firefighters, and for other purposes. (Joe Neguse, D-CO-2) H.R.744 - To amend section 324 of the Robert T. Stafford Disaster Relief and Emergency Assistance Act to incentivize States, Indian Tribes, and Territories to close disaster recovery projects by authorizing the use of excess funds for management costs for other disaster recovery projects. (Neguse) H.R.753 - To direct the Administrator of the National Oceanic and Atmospheric Administration to maintain a program that improves wildfire forecasting and detection, and for other purposes. (Judy Chu, D-CA-28) H.R.807 - To direct the Secretary of the Treasury to submit a report on coordination in the public and private sectors in responding to ransomware attacks on financial institutions, and for other purposes. (Zach Nunn, R-IA-3) H.R.827 - To ensure the availability and affordability of homeowners' insurance coverage for catastrophic events. (Frederica Wilson, D-FL-24) H.R.834 - To amend the Robert T. Stafford Disaster Relief and Emergency Assistance Act to provide assistance for common interest communities, condominiums, and housing cooperatives damaged by a major disaster, and for other purposes. (David Rouzer, R-NC-7) H.R.836 - Emergency Wildfire Fighting Technology Act of 2025 (David Valadao, R-CA-22) H.R.900 - To direct the Director of the United States Geological Survey to establish a program to map zones that are at greater risk of sinkhole formation, and for other purposes. (Darren Soto, D-FL-9) H.R.948 - To amend the Internal Revenue Code of 1986 to provide a refundable credit against tax for wildfire mitigation expenditures. (Kevin Kiley, R-CA-3) H.R.956 - To amend the Wildfire Suppression Aircraft Transfer Act of 1996 to reauthorize the sale by the Department of Defense of aircraft and parts for wildfire suppression purposes, and for other purposes. (Dan Newhouse, R-WA-4) S.245 - A bill to require the Assistant Secretary of Commerce for Communications and Information to establish a working group on cyber insurance, to require dissemination of informative resources for issuers and customers of cyber insurance, and for other purposes. (John Hickenlooper, D-CO) S.252 - A bill to increase access to agency guidance documents. (Ron Johnson, R-WI) S.258 - A bill to improve forecasting and understanding of tornadoes and other hazardous weather, and for other purposes. (Roger Wicker, R-MS)

Client expense: $97,407 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

General discussions related to property and casualty insurance. General discussions related to cyber. General discussions related to an extension of the debt limit. General discussions on global insurers in the marketplace. Discussions related to hostilities in Iran and impact on marine shipping. Monitor and participate in discussions regarding data privacy and data breach proposals. Discussions regarding autonomous vehicles. General issues related to resilience and mitigation, as related to P&C insurance. General discussions related to the Federal Insurance Office. General discussions on the International Association of Insurance Supervisors. General discussions related to artificial intelligence (AI) and machine learning. General discussions related to the Driver's Privacy Protection Act. General discussion related to cannabis legislation. General discussions on proposals regarding natural catastrophe-related policies, including FEMA. General discussions related to surety. General discussions related to Terrorism Risk Insurance Act (TRIA) reauthorization. General discussions related to H.R. 643, Federal Insurance Office Elimination Act. Monitor Public Health Services Act (PHSA), Internal Revenue Code (IRC), Employee Retirement Income Security Act (ERISA), and Affordable Care Act (ACA) developments. General Discussions related to H.R. 1285/S. 570, Water Infrastructure Subcontractor and Taxpayer Protection Act of 2025. Discussions related to H.R.7128 - TRIA Program Reauthorization Act of 2026 Monitoring of Administrations AI Action Plan and National AI Legislative Framework. Monitor P.L. 119-21, One Big Beautiful Bill Act, and legislative and regulatory actions related to insurance, AI state moratorium provisions. Monitor proposals to modernize the National Flood Insurance Program, and private risk transfer. Monitor developments related to the Administrations Executive Order on Ensuring a National Policy Framework for Artificial Intelligence. Monitor developments related to Name, Image, and Likeness (NIL) policies and regulations. Monitoring of Administrations AI Action Plan. Monitoring of the Artificial Intelligence Risk Evaluation Act of 2025.

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

Government targets: Commerce, Dept of (DOC), Executive Office of the President (EOP), Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Natl Security Council (NSC), SENATE, State, Dept of (DOS), Treasury, Dept of

General discussions S1821/HR3512, Tackling Predatory Litigation Funding Act. Monitor legislation and developments related to climate change. Monitor development of international tax proposals. Monitor discussions and regulatory implementation related to P.L. 119-21, the One Big Beautiful Bill Act. Discussions related to life insurance. Monitor reports regarding US-Swiss tax treaty. General discussions related to H.R. 643, Federal Insurance Office Elimination Act.

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

Government targets: Executive Office of the President (EOP), HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

General Discussions related to a proposal by the Department of Justice related to updating the Foreign Agents Registration Act. Monitoring of H.R. 5371, Continuing Appropriations, Agriculture, Legislative Branch, Military Construction and Veterans Affairs, and Extensions Act, 2026. Discussions related to Executive Orders regarding federal contractors, tariffs, climate policy. General discussions related to H.R. 643, Federal Insurance Office Elimination Act. General discussions related to the government shutdown.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

H.R. 643 - Federal Insurance Office Elimination Act H.R. 3437 - Insurance Data Protection Act H.R. 4504 - Incorporating National Support for Unprecedented Risks and Emergencies (INSURE) Act H.R. 6274 - Natural Disaster Risk Reinsurance Program Act H.R. 7128 - TRIA Program Reauthorization Act of 2026 H.R. 7130 - McCarran-Ferguson Restoration Act H.R. ___ - Clarifying Law Around Insurance of Marijuana (CLAIM) Act H.R. ___ - Taxpayer Exposure and Risk Reduction Act H.R. ___ - Terrorism Risk Insurance Program Reauthorization Act of 2025 (Rep. Waters) S. 1544 - Insurance Data Protection Act S. 2349 - Incorporating National Support for Unprecedented Risks and Emergencies (INSURE) Act S. ___ - Clarifying Law Around Insurance of Marijuana (CLAIM) Act S. ___ - TRIA Program Reauthorization Federal Insurance Office legislation International insurance legislation Private equity and insurance legislation Small business risk transfer legislation

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

Government targets: Executive Office of the President (EOP), HOUSE OF REPRESENTATIVES, Office of Management & Budget (OMB), SENATE, Treasury, Dept of

Capital Markets efficiency 403B parity (HR 1013/S 424) E-delivery: Improving Disclosure for Investors Act (HR 2441) FIO Elimination Act (HR 643) FSOC Improvement Act (HR 3682)

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

H.R. 4735/S. 2419 - Business of Insurance Regulatory Reform Act (To amend the Consumer Financial Protection Act of 2010 to clarify the authority of the Bureau of Consumer Financial Protection with respect to persons regulated by a State insurance regulator. Issue: Business of Insurance.) H.R. 643 FIO Elimination Act (This bill eliminates the Federal Insurance Office (FIO) within the Department of the Treasury. The bill also removes the FIO director as a nonvoting member of the Financial Stability Oversight Council.) S. 1544/H.R. 3437 - Insurance Data Protection Act. To prohibit the Federal Insurance Office of the Department of the Treasury and other financial regulators from collecting data directly from an insurance company. Issue: FIO Reform H.R. 4583 and H.R. 4582/S.1552 - Living Donor Protection Act. The bill would promote and protect from discrimination living organ donors. Issue: underwriting. H.R. 3383 - Incentivizing New Ventures and Economic Strength Through Capital Formation (INVEST) Act of 2025. This bill allows a closed-end fund-a portfolio of pooled assets with a limited number of shares traded on an exchange-to increase its investment in private investment funds. Specifically, the Securities and Exchange Commission is prohibited from limiting the sale or listing of securities of a closed-end fund that invests in private investment funds. This bill also apples to a closed-end company treated as a business development company. Issue: Capital formation H.R. 7130 - McCarran-Ferguson Restoration Act. The bill would eliminate the Federal Insurance Office of the Department of the Treasury and establish a United States Insurance Representative within the Department of the Treasury. Issue: FIO Reform.

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

Government targets: Federal Reserve System, 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 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

General insurance issues, including issues related to insurance benefits Review of the Federal Home Loan Banking system Risk weighting of non-public insurers under potential banking regulations H.R. 3437/S. 1544 - Insurance Data Protection Act. The bill would 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. 643 - Federal Insurance Office Elimination Act; Issues related to the elimination of the FIO office. General education on investment and asset liability matching.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HR1397 Increasing Access to Dental Insurance Act: Summary is in progress. To allow additional individuals to enroll in standalone dental plans offered through Federal Exchanges. HR 643 Federal Insurance Office Elimination Act. To eliminate the Federal Insurance Office of the Department of the Treasury, and for other purposes. S1164 Expand Dental Coverage on Federal Exchanges. A bill to allow additional individuals to enroll in standalone dental plans offered through Federal Exchanges. H.R.3089 - More Paid Leave for More Americans Act - to direct the Secretary of Labor to carry out a grant program to award grants to States to carry out a paid family leave program, to establish the Interstate Paid Leave Action Network, and for other purposes. H.R.3090- I-PLAN Act of 2025 - To establish the Interstate Paid Leave Action Network to provide support and incentives for the development and adoption of an interstate agreement that facilitates streamlined benefit delivery, reduced administrative burden, and coordination and harmonization of State paid family and medical leave programs to benefit employees, States, and employers. H.R.3437 / S.1544- Insurance Data protection Act- A bill 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.7130 - McCarran-Ferguson Restoration Act. To eliminate the Federal Insurance Office of the Department of the Treasury and to establish a United States Insurance Representative within the Department of the Treasury, and for other purposes. H.R.7128 - TRIA Program Reauthorization Act of 2026. To extend the Terrorism Risk Insurance Program.

Client expense: $970,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 643 - Federal Insurance Office Elimination Act. Federal Insurance Office legislation. S.2349, INSURE Act; H.R. 4504, INSURE Act. Legislation to create a federal property insurance or reinsurance program. International insurance legislation. Terrorism Risk Insurance legislation.

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

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

Advocated before Senate, House, and federal agencies for the interests of independent insurance agents selling flood insurance policies, including but not limited to National Flood Insurance Program (NFIP) policies; supported the reauthorization of the NFIP; expressed concern with a FEMA proposal to provide direct-to-consumer (D2C) online sales of NFIP policies; expressed concern about proposed FEMA guidance for sale and service of NFIP policies during future lapses in NFIP's Congressional authority (Appendix L of draft April 1, 2024 Flood Manual); discussed with FEMA enforcement of requirement that each NFIP policy have both agent and agency NPNs to be associated with them; Supported the repeal or reform of the Federal Insurance Office, including H.R. 643, the Federal Insurance Office Elimination Act; Supported S. 1015, a bill to extend the National Flood Insurance Program through December 31, 2026; Supported H.R. 1968, Full-Year Continuing Appropriations and Extensions Act, 2025. Began preparation of response to House Energy & Commerce Committee Request for Information; began preparation of response to FEMA Request for Information; communicated with FEMA regarding attendance at National Flood Association conference; prepared questions for new NFIP director's presentation at National Flood Association conference.

Client expense: $13,224 · Firm income: Not reported

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

Congressional efforts to better understand commercial use of artificial intelligence and its impact on consumers. Issues relating to reauthorization of the National Flood Insurance Program. Issues relating to the future of the Federal Insurance Office's (e.g., H.R. 643) with an emphasis on eliminating or constraining undue regulatory burdens (H.R. 3437 Insurance Data Protection Act). Issues relating to systemic risk, including the Financial Stability Oversight Council's (FSOC) oversight of insurance issues. Issues relating to the use of artificial intelligence (AI) in insurance, including an AI moratorium. Issues relating to climate-related property damage and impacts on insurance markets. Issues relating to state-based insurance regulation under the McCarran-Ferguson Act and federal initiatives impacting McCarran. Issues relating to macroeconomic factors influencing the affordability and availability of insurance. Issues relating to the Federal Housing Finance Agency's (FHFA) Seller/Servicer Guide indicating that qualified federally backed loans require replacement cost insurance coverage to be in place. Issues relating to disaster resiliency and expanding coverage for hazard mitigation. Issues relating to the insurance industry's response to recent disasters, including fires and hurricanes. Issues relating to effective and efficient federal response to natural disasters.

Client expense: $670,000 · Firm income: Not reported

Government targets: Federal Housing Finance Agency (FHFA), 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

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

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

Congressional efforts to better understand commercial use of artificial intelligence and its impact on consumers. Issues relating to reauthorization of the National Flood Insurance Program. Issues relating to the future of the Federal Insurance Office's (e.g., H.R. 643) with an emphasis on eliminating or constraining undue regulatory burdens (H.R. 3437 Insurance Data Protection Act). Issues relating to systemic risk, including the Financial Stability Oversight Council's (FSOC) oversight of insurance issues. Issues relating to the use of artificial intelligence (AI) in insurance, including an AI moratorium. Issues relating to climate-related property damage and impacts on insurance markets. Issues relating to state-based insurance regulation under the McCarran-Ferguson Act and federal initiatives impacting McCarran. Issues relating to macroeconomic factors influencing the affordability and availability of insurance. Issues relating to the Federal Housing Finance Agency's (FHFA) Seller/Servicer Guide indicating that qualified federally backed loans require replacement cost insurance coverage to be in place. Issues relating to disaster resiliency and expanding coverage for hazard mitigation. Issues relating to the insurance industry's response to recent disasters, including fires and hurricanes. Issues relating to effective and efficient federal response to natural disasters.

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

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

Congressional efforts to better understand commercial use of artificial intelligence and its impact on consumers. Issues relating to reauthorization of the National Flood Insurance Program. Issues relating to the future of the Federal Insurance Office's (e.g., H.R. 643) with an emphasis on eliminating or constraining undue regulatory burdens (H.R. 3437 Insurance Data Protection Act). Issues relating to systemic risk, including the Financial Stability Oversight Council's (FSOC) oversight of insurance issues. Issues relating to the use of artificial intelligence (AI) in ins, including the AI moratorium provision in H.R. 1. Issues relating to climate-related property damage and impacts on insurance markets. Issues relating to state-based insurance regulation under the McCarran-Ferguson Act and federal initiatives impacting McCarran. Issues relating to the effects of inflation, state regulation, tariffs, and other factors on the affordability and availability of insurance. Issues relating to the Federal Housing Finance Agency's (FHFA) Seller/Servicer Guide indicating that qualified federally backed loans require replacement cost insurance coverage to be in place. Issues relating to disaster resiliency and expanding coverage for hazard mitigation. Issues relating to the insurance industry's response to recent disasters, including fires and hurricanes. Issues relating to effective and efficient federal response to natural disasters.

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

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

H.R.643 - To eliminate the Federal Insurance Office of the Department of the Treasury, and for other purposes. (Troy Downing, R-MT-2) H.R.654 - To change the Bureau of Consumer Financial Protection into an independent agency named the Consumer Financial Empowerment Agency, to transition the Agency to the regular appropriations process, and for other purposes. (Andy Barr, R-KY-6) H.R.731 - To exempt hazardous fuel reduction activities from certain environmental requirements for a 10-year period. (Darrell Issa, R-CA-48) H.R.732 - To require the Administrator of the Federal Emergency Management Agency and the Secretary of Housing and Urban Development to implement certain recommendations made by the Comptroller General with respect to disaster recovery, and for other purposes. (Sara Jacobs, D-CA-51) H.R.736 - To amend title 31, United States Code, to modify the deadline for filing beneficial ownership information reports for reporting companies formed or registered before January 1, 2024. (Zach Nunn, R-IA-3) H.R.743 - To reform and enhance the pay and benefits of Federal wildland firefighters, and for other purposes. (Joe Neguse, D-CO-2) H.R.744 - To amend section 324 of the Robert T. Stafford Disaster Relief and Emergency Assistance Act to incentivize States, Indian Tribes, and Territories to close disaster recovery projects by authorizing the use of excess funds for management costs for other disaster recovery projects. (Neguse) H.R.753 - To direct the Administrator of the National Oceanic and Atmospheric Administration to maintain a program that improves wildfire forecasting and detection, and for other purposes. (Judy Chu, D-CA-28) H.R.807 - To direct the Secretary of the Treasury to submit a report on coordination in the public and private sectors in responding to ransomware attacks on financial institutions, and for other purposes. (Zach Nunn, R-IA-3) H.R.827 - To ensure the availability and affordability of homeowners' insurance coverage for catastrophic events. (Frederica Wilson, D-FL-24) H.R.834 - To amend the Robert T. Stafford Disaster Relief and Emergency Assistance Act to provide assistance for common interest communities, condominiums, and housing cooperatives damaged by a major disaster, and for other purposes. (David Rouzer, R-NC-7) H.R.836 - Emergency Wildfire Fighting Technology Act of 2025 (David Valadao, R-CA-22) H.R.900 - To direct the Director of the United States Geological Survey to establish a program to map zones that are at greater risk of sinkhole formation, and for other purposes. (Darren Soto, D-FL-9) H.R.948 - To amend the Internal Revenue Code of 1986 to provide a refundable credit against tax for wildfire mitigation expenditures. (Kevin Kiley, R-CA-3) H.R.956 - To amend the Wildfire Suppression Aircraft Transfer Act of 1996 to reauthorize the sale by the Department of Defense of aircraft and parts for wildfire suppression purposes, and for other purposes. (Dan Newhouse, R-WA-4) S.245 - A bill to require the Assistant Secretary of Commerce for Communications and Information to establish a working group on cyber insurance, to require dissemination of informative resources for issuers and customers of cyber insurance, and for other purposes. (John Hickenlooper, D-CO) S.252 - A bill to increase access to agency guidance documents. (Ron Johnson, R-WI) S.258 - A bill to improve forecasting and understanding of tornadoes and other hazardous weather, and for other purposes. (Roger Wicker, R-MS)

Client expense: $12,851 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Advocated before Senate, House, and federal agencies for the interests of independent insurance agents selling flood insurance policies, including but not limited to National Flood Insurance Program (NFIP) policies; supported the reauthorization of the NFIP; expressed concern with a FEMA proposal to provide direct-to-consumer (D2C) online sales of NFIP policies; expressed concern about proposed FEMA guidance for sale and service of NFIP policies during future lapses in NFIP's Congressional authority (Appendix L of draft April 1, 2024 Flood Manual); discussed with FEMA enforcement of requirement that each NFIP policy have both agent and agency NPNs to be associated with them; Supported the repeal or reform of the Federal Insurance Office, including H.R. 643, the Federal Insurance Office Elimination Act; Supported S. 1015, a bill to extend the National Flood Insurance Program through December 31, 2026; Supported H.R. 1968, Full-Year Continuing Appropriations and Extensions Act, 2025. Began preparation of response to House Energy & Commerce Committee Request for Information; began preparation of response to FEMA Request for Information; communicated with FEMA regarding attendance at National Flood Association conference; prepared questions for new NFIP director's presentation at National Flood Association conference.

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

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

H.R. __ - State Regulation of Insurance Preservation Act. The bill would limit certain authorities and duties of the Federal Insurance Office of the Department of the Treasury. Issue: Federal Insurance Office. H.R. 4735 - Business of Insurance Regulatory Reform Act (To amend the Consumer Financial Protection Act of 2010 to clarify the authority of the Bureau of Consumer Financial Protection with respect to persons regulated by a State insurance regulator. Issue: Business of Insurance.) H.R. 643 FIO Elimination Act (This bill eliminates the Federal Insurance Office (FIO) within the Department of the Treasury. The bill also removes the FIO director as a nonvoting member of the Financial Stability Oversight Council.) H.R.3682 - Financial Stability Oversight Council Improvement Act of 2025 (FSOC nonbank guidance rule) S. 1544/H.R. 3437 - Insurance Data Protection Act. To prohibit the Federal Insurance Office of the Department of the Treasury and other financial regulators from collecting data directly from an insurance company. Issue: FIO Reform

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

Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

Capital Markets efficiency 403B parity (HR 1013/S 424) E-delivery: Improving Disclosure for Investors Act (HR2441) FIO Elimination Act (HR 643) FSOC Improvement Act (HR 3682)

Client expense: $285,466 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of, White House Office

General insurance issues, including issues related to insurance benefits Review of the Federal Home Loan Banking system Risk weighting of non-public insurers under potential banking regulations H.R. 3437/S. 1544 - Insurance Data Protection Act. The bill would 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. 643 - Federal Insurance Office Elimination Act; Issues related to the elimination of the FIO office.

Client expense: $560,000 · 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

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

General discussions related to property and casualty insurance. General discussions related to cyber. General discussion related to an extension of the debt limit. General discussions on global insurers in the marketplace. Monitor and participate in discussions regarding data privacy and data breach proposals. Discussions regarding autonomous vehicles. General issues related to resilience and mitigation, as related to P&C insurance. General discussions related to the Federal Insurance Office. General discussions on the International Association of Insurance Supervisors. General discussions related to artificial intelligence (AI) and machine learning. General discussions related to the Driver's Privacy Protection Act. General discussion related to cannabis legislation. General discussions on proposals regarding natural catastrophe-related policies, including FEMA. General discussions related to surety. General discussions related to Terrorism Risk Insurance Act (TRIA) reauthorization. General discussions related to H.R. 643, Federal Insurance Office Elimination Act. Monitor Public Health Services Act (PHSA), Internal Revenue Code (IRC), Employee Retirement Income Security Act (ERISA), and Affordable Care Act (ACA) developments. General Discussions related to H.R. 1285/S. 570, Water Infrastructure Subcontractor and Taxpayer Protection Act of 2025. General discussions related to Surety bonding requirements by Dept. of Treasurys Surety Bond Branch. Monitoring of House Energy and Commerce Committees RFI to Explore Data Privacy and Security Framework. Monitor P.L. 119-21, One Big Beautiful Bill Act, and legislative and regulatory actions related to insurance, AI state moratorium provisions. Monitor proposals to modernize the National Flood Insurance Program, and private risk transfer. Monitor developments related to the Administrations Executive Order on Ensuring a National Policy Framework for Artificial Intelligence. Monitor developments related to Name, Image, and Likeness (NIL) policies and regulations. Monitoring of Administrations AI Action Plan. Monitoring of the Artificial Intelligence Risk Evaluation Act of 2025.

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

Government targets: Commerce, Dept of (DOC), Executive Office of the President (EOP), Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Natl Security Council (NSC), SENATE, State, Dept of (DOS), Treasury, Dept of

General discussions S1821/HR3512, Tackling Predatory Litigation Funding Act. Monitor legislation and developments related to climate change. Monitor development of international tax proposals. Monitor discussions and regulatory implementation related to P.L. 119-21, the One Big Beautiful Bill Act. Discussions related to life insurance. Monitor reports regarding US-Swiss tax treaty. General discussions related to H.R. 643, Federal Insurance Office Elimination Act.

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

Government targets: Executive Office of the President (EOP), HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of